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Russia's war-time economy is slowing down, and the EU is negotiating a trade deal with the US to keep some tariffs in place. Plus, the Bank of England votes to hold interest rates steady, and a UN official describes violence at aid distribution sites in Gaza. Mentioned in this podcast:Russia on brink of recession, says economy ministerEU weighs UK-style trade deal with USBank of England warns of weakening jobs market as it holds ratesHow Gaza's food queues turned into kill zonesToday's FT News Briefing was produced by Fiona Symon, Josh Gabert-Doyon, and Ethan Plotkin. Additional help from Blake Maples, Michael Lello, David da Silva and Gavin Kallmann. Our acting co-head of audio is Topher Forhecz. Our intern is Michaela Seah. The show's theme song is by Metaphor Music. Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

As a property manager, have you ever worked with foreign investors? If not, what is stopping you? Is it because you don't know another language or because you don't know where to find foreign investors? What if there were a service that handled that piece for you? In this episode of the #DoorGrowShow, property management growth expert Jason Hull sits down with the founder of HomeAbroad and Ziffy to talk about how property managers can connect with investors living outside of the United States.  You'll Learn [01:49] Building a Platform that Helps Foreign Investors Find Properties  [08:21] Helping Investors in the U.S. Find Investment Properties  [14:46] How HomeAbroad and Ziffy Can Benefit Property Managers  [25:23] Using Real Estate Investing and Property Management to Move to the U.S.  Quotables “No one wants to be a landlord… They're looking for a good way to maximize return on their investment or return on their cash.” “If you are a smart investor, if you are running this as a business, right, you got to have property management.” “You can't build a portfolio of a hundred properties by managing each property yourself.” “You grow together. It's a small industry, you know, we got to help each other and we grow as a business together.” Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript [00:00:00] Client finds the property through a platform. We do the mortgage financing, so we will introduce the property manager at the right time and say, "Hey, by the way, you can find the right property manager to help you manage this property, so, we'll kind of introduce you in the right point in that journey to make sure that you have a high conversion as well.  [00:00:20] All right, I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we have spoken to thousands of property management business owners, coached, consulted, and cleaned up hundreds of businesses, helping them add doors, improve pricing, increase profit, simplify operations, and build and replace teams. We are like Bar Rescue for property managers. We have rebranded over 300 businesses and we run the leading property management mastermind with more video testimonials and reviews than any other coach or consultant in the industry. [00:01:06] And if you are wanting help with any of that stuff, then reach out to us at DoorGrow. So we believe at DoorGrow that good property managers can change the world, and that property management is the ultimate high trust gateway to real estate deals, relationships, and residual income. At DoorGrow, we are on a mission to transform property management business owners and their businesses. [00:01:28] We want to transform the industry, eliminate the bs, build awareness, change perception, expand the market, and help the best property management entrepreneurs win.  [00:01:38] Now let's get into the show. All right, so my guest today, I am hanging out with Amresh Singh, welcome to the DoorGrow Show.  [00:01:46] Thanks, Jason. Thanks for having me. Appreciate it.  [00:01:49] It's good to have you. So I would love to get into your background so people understand, like who are they listening to or viewing on this, and tell us a little bit about your journey into entrepreneurism and how you kind of got started and that will lead us into your business. [00:02:04] Awesome. So my background has been at the intersection of mortgages and technology. I used to work for a leading international bank before I started HomeAbroad. And originally I'm from India, so I moved to the US 10 years back, working for this big bank who moved me from India to the US to work closer to the headquarters over here. [00:02:25] I managed their international customer acquisition. And you know, in that journey, you know, I realized that two things that we have. Or I should say two really fascinating things about the US real estate market, which is, you know, 30 year fixed state mortgages, which we, in the US you know, we tend to ignore and we take it for granted. [00:02:45] It does not exist in most places around the world. It's a superpower, 30 year fixed state mortgages. Right? Yeah. Plus combine that with, you know, higher rental leads in the US market. You know, you're really looking at a true wealth building too. Right? So that realization coming from, you know, an international market into the US market, seeing the superpower of the, you know, how real estate in the US can really help you build generational wealth. You know, gave me the idea to start HomeAbroad, you know, which was a company that was focused on global investors investing in USD asset market, right? You know, and taking the advantages of, you know, some of these superpowers, I will speak later in your podcast. [00:03:24] Right? But that's how the journey started. And then, you know, as part of that journey, we realized, you know, some similar gaps exist in the domestic market as well that led to formation of Ziffy, which I'll talk about as well as we progress in the podcast. So that's kind of in nutshell, my know, my entrepreneur journey, my background, so.  [00:03:40] Very cool. I've noticed, you know, every now and then I get clients that they've got some special connection to an international market. You know, I've got a client from Israel and he's able to pull in Israeli investors and they're wanting to get into the US market, and he helps them handle all of that. [00:03:56] I had a client that same thing with China you know, and other different foreign countries, you know, and so that's a competitive advantage that each of these property management business owners have, but it's not one that every property manager can just create because they don't know a different language. [00:04:14] They don't have a network or connections overseas, and so that could be a challenge. But I see how that could be a competitive advantage for building up your own portfolio if you could access international investors. And I didn't really realize that, but I just grew up in this bubble of the US but 30 year fixed rate mortgages sounds so normal. You know? Yes. So, okay. So cool. So, so tell us a little bit about what you've got going on.  [00:04:40] Yeah, so, you know, as I mentioned, you know, we operate two brands. HomeAbroad is where we started, right? And that's a shop, that's a PropTech and FinTech shop that's focused on helping global investors invest in the US real estate market. [00:04:52] Right? If you think about, you know, real estate, right? It's kind of, you know, wealth building tool or is a mode of, you know, building generational wealth around the world. People invest in real estate for stability, right? For, you know, that that ease of mind, okay my investment is going to grow, right? [00:05:08] But you know, in most places around the world when you're investing in real estate, you're not doing that with leverage. You know, you are buying that in cash and you are, you know, mode for return on that investment is really banking on the capital appreciation on that property, right? What changes in the US market is because of 30 year fixed rate mortgages, there's no payment shock. [00:05:28] The rate is fixed for the term of the loan. That's 30 years. Since it's amortized for a 30 year period, your monthly payments are lower, right? Rental liens are higher. So what ends up happening in the US market is rent covers mortgage in majority of the scenario. [00:05:44] Yeah. It cash flows day one. Absolutely right. And that is something. So think about it, right? So you are generating cash flow from day one with leverage. I'll repeat that with leverage, right? So 20-25% of your money is able to help you buy a hundred percent of the property with cash flow or passive income from day one. [00:06:05] It just does not happen in most places around the world. Now imagine this: you explain this to someone who has no idea about the US state market, right? And then you tell them, Hey, not only you know the value prop, but as a company HomeAbroad, we are going to give you mortgage financing with no US state history. [00:06:25] Right. And we are going to underwrite you not based on your personal income or assets from your home country. We are going to look at the property's income, right? And we're going to underwrite based on that, right? Suddenly someone who has no affiliation with the US, you know, market or financial market is able to invest or buy US real estate for the obvious benefits I mentioned, right? [00:06:49] Cash flow with leverage, but also you're putting your money in the largest economy in the world. USD is still the reserve currency, right? So you're shielding yourself from currency risk that's might exist in your home country, right? And suddenly when you explain this to a global investor, it's an aha moment for them, right? [00:07:04] Because this is something that does not exist in their home market. You know, they want to, you know, kind of diversify their assets and dip into what US has to offer this kind of opening American dream to the world. Yeah. Without them having to live or work in the US. You can live and work in your home country and dip into what America or American dream has to offer, you know, while you sit in your home country. Right. And that's kind of what was a game changing phenomena for us. Great traction, great, you know, reserves. But what we saw, Jason, you know, these people were coming in and we're like, okay, great. I want to invest in USA asset market. But I don't know where to invest. [00:07:40] Right. I don't know the US market, I don't know which city to invest in. Right. And my team, you know, we found ourselves going onto Zillow doing investment analysis and coming back to them and saying, "okay, this is a good place to invest." And then we said, "okay, wait a minute. Let's just build a tech platform, and that's what led the evolution of Ziffy, which is kind of, you know, Zillow for investment properties, ziffy.ai, where you know, as an investor you can kind of just say, okay, this is my investment objective. [00:08:05] I want to generate X dollar cash flow every month. I want to generate Y percent in rental. I want to find all the rent properties. And the algorithm mines everything that is listed on MLS right now from an investment perspective gives you detailed investment analysis and helps you take the data driven recommendation. [00:08:21] And then we realized only 8% of Americans own investment properties. If it's such a good thing that global investors want to put their money in the USA market, why Americans are not building generational wealth by investing in real estate. Right? Because people don't want to be a landlord, right? [00:08:37] Right. But once you put this data in front of them, suddenly the perspective changes. And that's what we are right now. We are launching ziffy.ai where it's going to be the Zillow for investment properties to really help more Americans buy and invest in US real estate.  [00:08:50] Okay, great. And what's that tool called? [00:08:52] It's Ziffy, Z-I-F-F-Y, dot A-I.  [00:08:56] ziffy.ai. Okay. And you mentioned the big other z name Zillow, you're like, you're trying to take their lunch, I guess. Right? We'll see how...  [00:09:06] not really. Thing about it, zillow is focused on primary market, right? Yeah. It's a much bigger market. Right. And, you know, investment, of course, 16% of the transactions are investment properties. [00:09:17] Right. But having said that, it's a huge market and there's lot of, you know, scope for growth because a lot of Americans still, you know, what they don't know about is there are specialized loan products that exist, you know, that can underwrite based on the rental income of the property. [00:09:32] So if I have a mortgage, I have a car loan, I think, okay, there's no way I can buy investment property. No one's going to give me a loan. I'm going to walk in my local bank or my local branch, and they're going to say, "okay, Jason, you know, what's your current mortgage? What's your car loan? Oh, you don't qualify based on your debt to income ratio." [00:09:49] They don't know that this specialized loan product called DSCR loan, which is debt service coverage ratio loan, where I'm qualifying you for the mortgage based on the rental income of that property versus your personal income. Right. So suddenly now you can build portfolio of hundred of investment properties because each property qualifies based on its own merit. [00:10:11] You buy one investment property, right? Rent covers mortgage from day one generates you cash flow. You wait three, four years, you gain equity in the property, do a cash out refinance, take that money to put down payment on other property. That property is cash positive from day one and the cycle repeats. [00:10:27] So if you're a smart investor can really help that first investment property, help you build a portfolio of investment property over 10 to 15 year period and build that generational wealth for you and your family. And people just don't know about it. And that's what we're trying to democratize.  [00:10:41] All right. [00:10:41] I love the idea. You know, we've leveraged a DSCR loan and it's nice because you don't have to give them all your personal info. You know, it doesn't matter how much debt you already have leveraged with properties you already have. So the rates are a little bit higher. [00:10:55] Right. But if you're able to cash flow it effectively, then I guess it doesn't matter.  [00:11:01] It doesn't matter. But also, I'll tell you, Jason, it's not that much higher either. No. If you think about an investment property loan from Freddie Mac or Fannie Mae conventional loans the rates are going to be higher than what you're going to pay for a 30 year fix it mortgage for a primary home. [00:11:14] Right. If you compare an investment property loan from an, from the jcs versus a DSCR loan, the rate difference you're talking about is 0.25%, or, you know, like, so it's not, it's very competitive.  [00:11:28] So. A lot of the people listening run property management companies. They've got a pool of investors. [00:11:33] These are their clients. How do they leverage  [00:11:37] HomeAbroad or Ziffy? That's a great question. Right? So we are also opening a marketplace for property managers, right? Because think about these foreign clients that are coming over to us, right? Think about domestic clients, right? A lot of these clients, you know, no one wants to be a landlord, as I mentioned earlier, right? [00:11:52] They're looking for a good way to maximize return on their investment or return on their cash. Right. And they don't want to take the day-to-day hassle of being a landlord. Right. Right. That's where property management comes in. Right. And if you are a smart investor, if you are running this as a business, right, you got to have property management. That's what we tell our clients. You can't build a portfolio of a hundred properties by managing each property yourself. You got to get property management in, right? Yeah. And what we are doing is we are trying to, you know, open up a marketplace where, you know, foreign investors, of course, they have no idea about whom to work at in the US so they can connect to property managers in the US through a platform. [00:12:31] Right. But in addition. If you're a property manager and if you have clients who are looking for next investment and so forth, you can white label our Ziffy platform for your clients. Right, okay. To give them as your own tool. And if they come back to us, you know, for a mortgage, we give you a referral fee. [00:12:50] You know X, we give up to 40 to 50 basis point on the loan amount as their referral fee. So that could be not only you're servicing your clients, you're giving them tools to help them find their next investment, which by the way, you will end up managing as well. But you're also increasing your value prop by helping your client find the next investment and adding additional revenue stream to your overall portfolio, right? [00:13:12] So it's a win-win situation for everyone.  [00:13:15] So becomes absolutely profit center. Okay, so. And they can white label Ziffy. What about is the Ziffy and HomeAbroad databases, are these linked? Like, are these properties, because you know, I think a lot of property managers listening are like, "how can I get access to these foreign investors because I don't have that capability?" [00:13:32] They're linked. It's just the branding, right? Because for foreign investors, you know, we go with the brand name HomeAbroad, okay? And for domestic, of course, you know, HomeAbroad will not resonate with the US based customers, right? So that's where Ziffy comes in. And we are kind of actually actively going through a rebranding exercise where HomeAbroad will become powered by ziffy.ai. [00:13:52] You know, so at the end of the day, Ziffy is the overall umbrella brand, right? Ziffy.ai is our AI powered investment property search platform and HomeAbroad is the portion of Ziffy that's focused exclusively on foreign investors. But if you're part of our network, you get access to both clients, you get access to foreign investors, you get access to local investors. [00:14:13] Okay, perfect. So it sounds like property managers, if they're listed in this marketplace, it sounds like 1. You might be feeding them some free business from. Absolutely. HomeAbroad brand. Yep. They wouldn't be able to access otherwise. And they're able to support boots on the ground helping with the property locally. [00:14:32] Yep.  [00:14:33] And then they can also leverage Ziffy and do a white label thing for their existing clients and help get them and facilitate getting them into more property.  [00:14:41] Absolutely. Yep.  [00:14:42] Awesome. Okay, cool. Yeah that's very cool. So how does a property manager get into this marketplace?  [00:14:49] What are your qualifications? [00:14:51] So we of course, want to make sure that our clients are taken care of, you know, so we do initial vetting, just to understand, you know, you have the I would say capabilities and infrastructure to help service our clients. So everyone has a good positive experience, right? And then once we kind of have that initial meeting to vet you out, you will become part of our network. [00:15:10] We'll sign a good partnership agreement. You'll be part of the network and then, you know, you'll be listed prominently. If the customer is looking in that particular area, you know, you'll be listed prominently within that ecosystem. Now, good news is we are vertically integrated shop, right? [00:15:24] So client finds the property through a platform. We do the mortgage financing, right? And you know, we know exactly when the customer, you know, is closing that transaction, right? So we will introduce the property manager at the right time. There's no point introducing a property manager right when they're starting their journey to find an investment property, right? [00:15:42] But as soon as they close on that transaction, we'll introduce the property manager. We will expose our, you know, marketplace to them and say, "Hey, by the way, you can find the right property manager to help you manage this property from our vacant property management, based in say, Phoenix, Arizona, or say, you know, Dallas, Texas, like wherever the client is, you know, closing that transaction. [00:16:03] Right. So, we'll kind of introduce you in the right you know, point in that journey to make sure that, you know, you have a high conversion as well.  [00:16:11] So how do you, at Ziffy and HomeAbroad, how do you determine which markets you want to be in and focus on?  [00:16:21] So the cool thing, Jason, you know, like as the customer decides for us, right? [00:16:24] We are operating in 43 states, right out of 50 states in the US right now, right there are of course hot markets, right? But you know, we let our algorithm, because now, it's data, right? We know the data. We know what's the expected rent, which is our for algorithm to calculate the expected rent across every plus property listed on the MLS right now for sale. What's your monthly mortgage payment is going to be? We are the mortgage shop. So we know what the monthly mortgage payment is going to be. Yeah. Rent minus mortgage is your cashflow. Right? So you can basically punch in those numbers and you say, okay, I want to generate $500 in cashflow every month. [00:16:59] Show me properties in entire us. Show me properties in Midwest us. Show me properties in California. Show me properties in Texas. Right? Whatever is your appetite, right? But you can kind of, you know, find that right investment property with right investment objective, you know, and I would say market agnostic. [00:17:16] Right? Yeah. Find that property and then say, okay, yeah, this makes sense, this doesn't make sense. And what we are adding to our AI layer. You can ask AI question, show me population growth trend in this area in the last five years. Show me rent you know, growth in this area in the last five years. [00:17:30] Show me you know, is this a landlord friendly state? You know, like our AI will help you basically California, evaluate that property.  [00:17:36] So basically, California's out. Florida and Texas are in, or?  [00:17:40] Yep. Yep. And that's what we see. That's what we see. You know, Florida and Texas are two hot markets. Yeah. [00:17:45] Midwest is really picking up, you know, because the property prices are lower, taxes are lower, rents are higher, right? So Midwest US is the new hot market from a rental standpoint Okay. Is what we are seeing a lot of fixed and player opportunities as well. But Florida and Texas continue to be two hot states, you know, from a rental property standpoint. [00:18:03] Got it. Okay. Now, these people that are, you know that they're global investors. They're around, you know, around the world. They're watching the news, they're seeing all this stuff that's going on in the us. I don't know what their perception is, but when they're watching all this, I'm sure that factors into their decision making in which states they want to be in. [00:18:23] Absolutely a hundred percent.  [00:18:25] So they're like, it does, I don't want to be in California. They look like they're crazy there and they're watching the news and they're seeing these, you know, sanctuary cities with homeless people everywhere. And then they're like looking at like areas where it's more conservative and there's like more freedom and more options. [00:18:41] Then they're like, maybe, maybe there. So perception, I would imagine affects where they're choosing to invest as well.  [00:18:49] Yeah, it totally does. Right? And what we tell our clients, you know, you got to think of real estate as a long-term investment game, right? For example, you know, the rhetoric around current administration, right? [00:19:00] From global investor standpoint, you know, like, do I really want to put my money in the US at this point? You know, what happens if like X happens? Y happens, right? And what we tell our investor, right? The basics why US, you know, is a good market for real estate investment has not changed, will not change, right? [00:19:15] It's going to be still remain a good market for US estate investment. The question is, where do you invest, right? And what are your objectives, right? You want to invest in a landlord friendly state, right? You want to invest in, in states with, you know, job growth, population growth, right? And you want to invest in state you know, in a market where you're getting good ROI on your cash investor, right? [00:19:36] And that's a function of, you know, appreciation and function of cash flow, right? That you're generating. Right. So until you have those data points figured out, right, you know, in long term it's going to be a viable investment. Right. And you're going to make money, right? Is what we tell our investors, right? [00:19:51] And when we explain them from that perspective, from that lens, you know, I have not seen someone that has said, okay, USDS investment is off my list. Right? Is something that just still motivates and drives them.  [00:20:04] Very cool. All right. I like it. And the best property managers, they're DoorGrow clients, like we help them figure out how to actually do a good job. [00:20:10] Most property managers suck in most markets. This is... absolutely, yeah. The admission of property managers, they're like, I get a room of property managers. I'm like, how many of you believe all your competitors suck or most of them do? And everyone's hands go up. And everybody that comes to me and says, "Hey, I'm thinking of starting a property management business." [00:20:27] I say, cool. And they tell me their story. It's they have investment properties and they tried property managers and most of them were terrible and they decided to finally start a good company. And so there's this issue. So yeah, maybe we should get all the DoorGrow clients getting into your marketplace. [00:20:43] So  [00:20:43] A hundred percent, you know. Let's talk about that a hundred percent.  [00:20:46] Alright, cool. Have you heard a Blanket, have you heard of these guys? Not really. So I think I should connect you to Lior over at Blanket. They've got a really cool platform as well, and I think there's some synergy. [00:20:59] They're basically like a retention platform. Okay. For property managers. They were one of our sponsors at DoorGrow live. And they've created a platform that allows their clients to see all of... they're basically a white label portal for all their clients to have their portfolios. And it allows them to keep the properties in their portfolio by helping them find and access other owners when that owner wants to sell. [00:21:25] Awesome. Okay. I think there'd be some awesome synergy between these two tools. Yeah. And I'm always making connections. You guys don't see this, those that are watching the podcast behind the scenes, I'm always trying to connect different vendors to each other when I see some synergy. So, but I think that might be a cool connection. [00:21:40] So, because I think what you're doing would work really nicely with that and it'd be a really cool synergistic thing. So we'll just get HomeAbroad, Ziffy, Blanket, DoorGrow, and then some other vendors, we'll just start stacking, we'll create Voltron. Yep. This ultimate, you know, superpower to help.  [00:21:57] This very exciting. [00:21:58] Hey you grow together. You know, that's how I've always believed. You know, you grow together. It's a small industry, you know, we got to help each other and we grow as a business together.  [00:22:06] Yeah, absolutely. So, well, I like what you're doing. What's the easiest way for a property manager to reach out? [00:22:14] Which of the websites should they go to? How do they start getting vetted so they can get into this marketplace? And is this like a free thing because they're providing value or do they pay to become part of the marketplace or how does that work?  [00:22:27] It's a free thing, right? They will be listed on a platform for free. [00:22:31] So it's a two way street, as I mentioned here, right? So we are going to pay a referral fee to our property manager partners, when they refer clients over to us, we're going to give them free tools to help facilitate that process and vice versa. You know, we'll collect a referral fee if our existing client signs up with them as well. [00:22:47] You know, it's a revenue stream for us too.  [00:22:48] So if let's say I have one of those clients that has, a bunch of connections in a particular country like Israel or China or something like this, would there be an advantage to them to leveraging HomeAbroad to facilitate that rather than having to figure out all this work themselves? [00:23:05] Absolutely. Absolutely. Because we are, as I said, you know, we are one stop shop, right? So say for example, you have an Israeli client that is just thinking about investing in US real estate, right? So what we do, we start. From setting up the LLC, right? If you are US based, you know, setting up an LLC, receiving an EIN is pretty easy, straightforward process, right? [00:23:23] If you're a foreign national who has doesn't have an SSN or an IT number, just getting an EIN number from a IRS, you know, you're talking about faxing, you're talking about mailing, you're talking about six months, six to eight weeks to get, you know, your number in mail. Now, you know, we kind of have developed that expertise in this segment so we can get an EIN and with an analysis set for a foreign national not living in the US within a week. Right. Wow. We can help them open a US bank account while they're in their home country. Right. Of course, you know, we'll need the US Bank account as part of the mortgage process, but also they will need a US bank account to manage their property, right. [00:23:58] When they invest in the US market, right? We can, of course, financing for Foreign National, which is our bread and butter, right? So we help them with 75% LTV or 75% leverage to purchase an investment property in the US. So they only need to put 25% down payment on that investment property, as I mentioned, we don't look for any US history. [00:24:18] We don't look for trade lines or create history from their home country as well. It's a pretty straightforward process for foreign nationals. You know, all we are looking for is, you know, they have enough assets to close, which is 25% down payment plus closing costs. Right? And if the appraisal comes in right where we want it to be, right. [00:24:36] So whether they meet the ratio or the DSCR ratio where rent covers mortgage, right? Even if it does not, we have a sub ratio DSCR program for them. So one way or the other. You know, we'll be able to do the loan just based on the property's income versus considering their personal income or assets in their home country. [00:24:52] Right? So we covered them right from helping setting up an LLC you know, opening US bank account mortgage financing, connecting them with a local realtor, which is not just any realtor, but a realtor with CIPS, which is certified International Property Specialty Designation by now. Right. So they have gone through specialized training to work with foreign national, global investors, right? [00:25:13] And then property management connections, you know, through a marketplace, right? So we are kind of one stop shop for everything that foreign national would need to do to invest in the US real estate.  [00:25:23] Interesting. So here's another random idea that comes up. And I don't know if this even relates, maybe this is just completely out of left field, but occasionally I get clients that they've come from a foreign country to the US. [00:25:36] And in order to, you know, to immigrate and to become integrated in the US, they have to start a business. And so they will buy a franchise sometimes, which usually in this industry, buying a property major franchise, I'm pretty outspoken about that. I think it's generally a bad idea. I get a lot of franchisees coming to me that have struggled like, you know, a gal that came, bought into a franchise, she's already invested $100k into this and the franchise gave her poor strategy and she only has one unit under management and she's $100k in and over half a year in invested into this. And she's like, you know, concerned and freaking out. I've got another client, he's immigrated from the uk. [00:26:16] He's built a property management business. They both built their business in Florida, by the way. Nice. So the land of freedom and humidity. So is there some sort of advantage for some of these people that are overseas also? They're like, "you know what? I like the idea of investing in, you know, the US but I want to be in the US." [00:26:37] Is there a way that they could build a business leveraging this and could that be something that is facilitated as well?  [00:26:45] Yeah, that's a great question, Jason. You know, and something like a lot of, you know, foreign clients ask us, right? So I'll give you a two part answer to this question, right? [00:26:52] One, if you are part of E3D countries, right? So US has a E3D, you know, with I think UK, Japan you know, Australia, Canada, and the few other countries on that list, right? Yeah. So if you're part of one of these countries where the, where you have a E3D you know, with the US you get a visa called E2 Visa. [00:27:12] E2 Visa, where, you know, where you can start a business in the us, get that visa to come manage the business. And a lot of our clients in from these countries would start up LLC to manage two to three properties. Show that okay, they're managing a real estate business. Right. To kind of get that E2 visa, right? [00:27:29] And so it's a great way for them to not only build you know, a profitable business in the US right? And kind of benefit from the US estate investment, but then also, you know, try get a residency visa, you know, based on this business. Property management kind of falls under the same aspect as well. [00:27:46] Okay? Then other countries which are not part of the E3D, where you have something called an EV5 Visa, which is you know, which were one of the key differences is that you have to show that you generate 10 employments and invested at least around a million dollars in the US to generate those employments. [00:28:03] Now that is where, you know, it becomes a little bit trickier, right? Because you know, you have to show that you brought that money in, you putting that money in real estate qualifies. Right. But the the important aspect is creation of 10 jobs. You have to show that you've created 10 jobs through that investment, you know, for that purposes. [00:28:21] If you buy, you know, like 10 properties or buy a multifamily unit and you know, you have a property management around it that employs 10 people to take care of it, technically it qualifies. Right. You can also you know, buy a hotel, you know, buy 2 commercial property that employs, you know, 10 people to kind of, you know, to qualify on the, that, that visa rule. [00:28:44] Right? But again, you know, you're talking about a million dollar investment. You know, from your end, you know, which is not, you know, applicable for everyone, right? Yeah. So there are a couple of ways, right? But for E2 Visa, you know, it becomes really easy, right? Because that job requirement criteria is not there. [00:28:59] You have to show that it's a functional business. It's an active business, which could be a real estate business, right? And it becomes, the qualification becomes a little bit easier on from that perspective.  [00:29:09] Got it. Okay. Interesting. If you run into these people, we should totally be homies and... [00:29:15] absolutely. [00:29:15] If you run these people one of the things we're really brilliant at DoorGrow is helping people avoid all the mistakes they make when they get their business started. We help them clean. We're like bar rescue for property managers, as I said in the intro. And for startups, we're ideal. [00:29:29] We help them avoid all the pitfalls of the franchises. We help them come up with their own brand, their own website. We help them build out their hiring process. We help them make sure they get good people, like we help optimize the business and get the right systems and installed. And so we really are like the ultimate franchise alternative. [00:29:46] And I've just gotten tired of seeing the franchises hurting people. And so my mission. Is to get people to sign up with DoorGrow instead of going to these franchises and set ourselves up as a franchise alternative because we can help them get going with a lot less cash involved and a lot more help. [00:30:05] And and then we can help them give them real strategies for growing their portfolios. And it sounds like this might be a really nice addition to any of my client's strategies for growth is to leverage HomeAbroad because they would love to have people that are hands off. Yeah. In another country trusting you to just take care of stuff that, that's a easy, no-brainer type of client they would love to have. [00:30:25] Yeah, absolutely. Jason, and we should talk after this podcast. We'll talk, you know, this. I think there's a lot of synergies.  [00:30:31] Okay. Very cool. So, well, what else should property managers or investors listen to the show know about HomeAbroad or Ziffy that we haven't covered? Or what questions do people tend to ask that they're concerned about? [00:30:45] Yeah, I think, you know, one of the things, you know, that we also advise our clients, right? You know, it's not about, you know, property management eating into my cash flow, right? Because that's something that we see, you know, people concerned about, or people you know, like want to kind of, you know, want to do it by themselves because they want to make sure they maximize their cash flow, right? [00:31:05] But what we tell our clients, you know, at the end of the day, you got to think of it as a business, right? And what's your net return and how do you value your time? Right. What's the hourly rate that you assign to yourself, right? And what would else you'd be doing if you're not managing five properties on your own? [00:31:21] Right? That's an opportunity cost, right? So think about this more from an opportunity cost standpoint versus, you know, okay, it's eating into my cashflow because that opportunity cost can help you buy five more properties, right? That can, you know, overall amplify your return on your cash invested versus nickel and diming, you know, the money that you're trying to save, right? [00:31:42] And you know, when we kind of, you know, talk to them about your, their ROI return cash, we want them to kind of consider this as an expense that goes into it. Because at the end of the day, even though we are not the property management providers, right, we partner with your clients, so to speak, Jason, right? [00:31:58] We are trying to do what's in best interest of that client in order to build that real estate investment portfolio. Right. So that's something that, you know, just want to reiterate to you, to the listeners of your podcast. Right. Why partner with us? You know, because that's something that we inherently, you know, advise our clients, you know, and we position property management as one of the pillars, they need to really succeed to build a successful real estate investment portfolio. [00:32:22] So you kind of insulate, because I know there's some property managers listening and they're like, man, some of these foreign investors are such cheapos. They're like so cheap and they complain about everything and they're really difficult. You kind of insulate them from that. Yep. With your organization and you know, and property management really, yeah. It is a no brainer. I mean, there's a lot of properties that a lot of these investors on their own probably wouldn't even accurately raise rent. And so if they didn't raise rent over the last two to three years, for example, they're probably 10% below market rate anyway. And so if the property manager just kept rent where it actually is in the marketplace, the property management basically is free. [00:33:01] Yeah, it pays for itself. Hundred percent. It's a no brainer. And so, yeah, I think the biggest mistake investors can make period, if you're an investor listening to the show, is to not use a property manager, a good one. Because there are bad ones. But if you can find a good one, that is the biggest game changer because it takes all the work off your plate and you make just as much money. [00:33:22] Absolutely. And another thing for your listeners, Jason, right. You'd be surprised how few people know about the specialized loan products for DSCA investor, right? So if your client is with you managing one property and is thinking in my head, oh, I already have a mortgage in my primary, I have another investment property here. [00:33:38] No way in the world I can buy another investment property. It's an education gap. It's a knowledge gap, right? Yeah. So they can help educate and that's where like and HomeAbroad comes in. because we will educate them on your behalf. You know, you retain the relationship, you retain your brand, right? We'll white label it, but like not only show them properties that will give them their next cashflow investment. [00:33:58] But also educating them, okay, for this loan to qualify, I don't need to see your debt to income ratio. I'm going to qualify based on that property's income. And you know, the only upfront cost is an appraisal cost, right? But us being the mortgage shop, you know, vetting that, okay, this property gives you cash flow, or from a conservative standpoint, it's good for you at the end of the day because you know, you won't invest if the property is not cashflow policy from day one, right? [00:34:24] So something that people don't know, you know, and there's a gap there.  [00:34:27] Yeah, we've had some lenders on talking about DSCR loans in the past, and yeah, a lot of people just aren't aware of it as an option. Yeah. So property managers, if they can have a partner like yourself to, you know, educate them on these alternate sources of funding and methods of getting cash to invest in real estate. [00:34:46] Yeah, it's going to open up the door. Not only that, but I like the idea of those because it kind of creates this veil of protection. So it's not an asset in your name if there ever is a liability with the rental property. Absolutely. They don't even know who the owner is. It's an entity and there's kind of a shield there of protection. [00:35:05] And so there's some additional advantages to going that route as well.  [00:35:09] So, absolutely. And like majority of our clients request the title in an LLC. What's the reason that you just mentioned you always need to have that, you know, protection around you in a litigation rich country, so. [00:35:21] Got it. Cool.  [00:35:22] Well, hey, I think this is a really awesome idea Amresh. It's great to have you on the DoorGrow Show. Any parting words or how can people get in touch and how can they find out more?  [00:35:32] Sure. You know, so if you're a property management company, you can get them in touch with us at partner@homeabroadinc.com or partner@ziffy.ai. [00:35:42] You know, my personal email address is amresh.singh@homeabroadinc.com. You can shoot me an email as well. Website is HomeAbroadinc.com for HomeAbroad and Ziffy.ai for our Ziffy brand. Okay.  [00:35:56] Awesome. Alright, thanks so much for coming to the show. So those of you listening, if you've ever felt stuck or stagnant, you want to take your property management business to the next level, reach out to us at doorgrow.com. [00:36:07] Also, be sure to join our free community just for property management business owners at doorgrowclub.com. We reject 60 to 70% of the people that apply to join that group. And if you found this even a little bit helpful, don't forget to subscribe. Leave us a review. We'd really appreciate it. Until next time, remember, the slowest path to growth is to do it all alone, so let's grow together. [00:36:30] Bye everyone.

In this episode of Supply Chain Now, hosts Scott Luton and Tandreia Bellamy welcome Bobby Holland of U.S. Bank and Dr. Jason Miller of Michigan State University for a data-packed discussion on what's really happening in the U.S. freight market—and what it signals for supply chain professionals moving into Q2 and beyond.They explore the Q1 2025 U.S. Bank Freight Payment Index, revealing surprising drops in shipment volume, regional disparities, and the ongoing impact of unpredictable weather. Jason and Bobby break down trends in key sectors like manufacturing, retail, and automotive, while Tandreia shares how shifts in freight data should inform cross-functional planning across finance, logistics, and operations.From capacity crunch risks and rising costs to resilient regions and unexpected market drivers, this discussion offers actionable insights for anyone navigating today's freight economy. The panel also looks ahead at what to watch in Q2—from new tariffs and raw material price spikes to changing consumer demand and the importance of regional signals.Jump into the conversation:(00:00) Intro(00:52) What the Freight Payment Index reveals(03:09) Meet the guests: Bobby Holland and Dr. Jason Miller(07:17) National freight trends and shipment volume drops(12:56) Weather, retail slowdowns, and sector variability(13:34) Q1 2025 regional breakdown begins(18:03) West region: port activity, wildfires, and aerospace recovery(21:29) Southwest region: historic shipment decline and high costs(25:46) Midwest region: housing, auto, and weather impact(29:02) Northeast region: retail growth and import uptick(32:47) Southeast region: flat manufacturing and tourism concerns(36:08) What to watch in Q2: Fed data, tariffs, and vehicle sales(40:21) Holiday toy season predictions and trade timing(43:13) How to access the Freight Payment Index and connect with guestsAdditional Links & Resources:Download the full Q1 2025 U.S. Bank Freight Payment Index: https://freight.usbank.comConnect with Bobby Holland: https://www.linkedin.com/in/bobby-holland-4a9355/Connect with Dr. Jason Miller: https://www.linkedin.com/in/jason-miller-32110325/ Connect with Tandreia Bellamy: https://www.linkedin.com/in/tandreia-bellamy-56b49959/Learn more about Supply Chain Now: https://supplychainnow.com Watch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-now Subscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/join Work with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkThis episode was hosted by Scott Luton and Tandreia Bellamy and produced by Amanda Luton For additional information, please visit our dedicated show page at: https://supplychainnow.com

Why is it often easier to pay for a cup of coffee than it is to pay for a ride on transit? In this episode, Nick Perloff-Giles sits down with Ben Lebedin from US Bank & Elavon to discuss the opportunities presented by open-loop payments, the benefits of the service to both consumers and transit agencies, and the treasure trove of data that it presents.

This is Derek Miller, Speaking on Business. Recognized with numerous accolades for exceptional service to both customers and employees, U.S. Bank is dedicated to helping individuals across the United States manage their finances, investments, and everyday banking needs. West Regional Executive, Brittany Westover, joins us with more. Brittany Westover: U.S. Bank serves customers and companies around the world and has been right here in Utah for the last 30 years. We're not just a bank – we're part of the community, committed to building meaningful, long-term relationships. Hundreds of us live, work, and volunteer in the area. We support local businesses. We're invested in helping Utah grow and succeed. I think our clients see that. They often talk about their high level of trust in us and how secure they feel having U.S. Bank as their financial partner. We were recently named one of the World's Most Ethical Companies and Fortune's most admired superregional bank. We work to earn those distinctions every day. Whether you need a personal checking account, financing to expand your business, or advice on managing an investment portfolio, we're ready to help. To learn more, please visit USbank.com and click on “About Us.” Derek Miller: U.S. Bank is all about offering great service and making a real impact here in Utah. From their wide range of financial services to their active role in the community, they continue to make a meaningful difference. I'm Derek Miller, with the Salt Lake Chamber, Speaking on Business. Originally aired: 5/14/25

As financial institutions navigate an increasingly complex digital landscape, they face the dual challenge of driving innovation while maintaining the security and reliability that customers expect. Dominic Venturo, Senior Vice President and Chief Digital Officer at U.S. Bank, has been at the forefront of US Bank's digital transformation, helping his organization develop resilient systems that not only respond to change but anticipate it. As part of the Executive Leadership Series, sponsored by Naehas and recorded live at the Financial Brand Forum, our conversation explores how modern resilience in banking has evolved beyond disaster recovery to become a dynamic capability that enables personalization, real-time engagement, and proactive risk management. This episode of Banking Transformed is sponsored by Naehas Naehas provides financial institutions with a centralized platform to efficiently manage product creation, pricing strategies, compliance, and disclosures. By automating complex processes and integrating advanced governance tools, Naehas significantly reduces operational risk and accelerates execution. Trusted by 6 of the 10 largest U.S. banks, our solution supports top-tier institutions in delivering precise, compliant offers with speed and accuracy. ⁠https://www.naehas.com/?utm_source=financialbrand&utm_medium=referral&utm_campaign=Banking_Transformed_podcast

Bridging financial services and healthcare can lead to powerful advancements, streamlining processes, and improving patient experiences.  In this episode, Misty Grambow, Healthcare Business Development Consulting at U.S. Bank, and Tom Priedeman, Head of US Bank's Middle Market Healthcare Team, discuss how U.S. Bank is driving change at the intersection of finance and healthcare. They highlight the role of capital in advancing healthcare and the importance of payment capabilities, particularly in revenue cycle management. They address challenges in managing non-patient payments and explore how AI and other technologies are shaping patient care, financial systems, and cybersecurity. Finally, they emphasize the need for seamless payment solutions, including automation and patient-centric approaches like mobile payments and transparent billing. Tune in to learn how US Bank is committed to supporting the healthcare industry through finance and innovative payment solutions!  Resources: Connect with and follow Misty Grambow on LinkedIn. Follow and connect with Tom Priedeman on LinkedIn. Learn more about U.S. Bank on their LinkedIn and website.

What does it take to make a 150-year-old bank feel like a startup?In this episode of Branded, host Ben Kaplan talks with Shruti Patel, Executive Vice President and Chief Product Officer for Business Banking at US Bank, about reinventing customer experience in one of the most regulated industries on the planet.From AI-powered tools to embedded financial products, Shruti shares how US Bank is transforming the way it serves small businesses—while still staying grounded in trust, compliance, and community. It's a conversation about balancing innovation with responsibility, and how big banks can stay nimble in a FinTech-first world.

Here's what to expect on the podcast:Sharissa's journey from tech leadership to coaching.Understanding and identifying burnout.How introverts can thrive in leadership without changing who they are.Balancing work and self-care.Practical tips for introverts to lead with confidence and authenticity.And much more! About Sharissa:Sharissa Sebastian Deppen is the CEO of Leadership Mastery Alliance; a company specializing in supporting introverted servant leaders who are women in corporate leadership. She's a leadership and executive coach with an MBA, MSc in Technology Leadership, and her PCC Certification from the International Coaching Federation (ICF), as well as a Myers Briggs Certified Practitioner. She has 15+ years of corporate leadership experience, in addition to coaching several Fortune 100 leaders and executives.She's also a TEDx speaker and TEDx speaker coach, an award-winning international keynote speaker, a writer for Forbes and the Huffington Post, a member of Forbes Coaches Council, a Professor at Southeastern University, and an advisory board member at the University of South Florida.Her many years of experience include helping leaders draw on their God-given strengths and abilities, see their value, and be able to bring out the best in themselves and others, all while having fun, being fulfilled and not burning out! She's able to masterfully help them navigate their blind spots while thriving in their zone of genius to take their career and leadership to a level that has a significant impact on themselves, their teams and their organization.Her clients include leaders and executives at companies such as LinkedIn, Facebook, Google, Amazon, Twitter, Microsoft, Harpo Studios, Bank of America, CNN, The United Nations, Intuit, SalesForce, BP, Fedex, Comcast, Deloitte, Accenture, Keurig Dr. Pepper, Victoria's Secret, Warner Brothers Studios, US Bank, Coinbase, Ameriprise Financial, Nestle, Virgin, Mars, Slack, Space Force, among others. Connect with Sharissa Sebastian Deppen!Website: https://www.leadershipmasteryalliance.com/Email: info@leadershipmasteryalliance.comLinkedIn: https://www.linkedin.com/in/sharissasebastian/----- If you're struggling, consider therapy with our sponsor, BetterHelp.Visit https://betterhelp.com/candicesnyder for a 10% discount on your first month of therapy.*This is a paid promotionIf you are in the United States and in crisis or any other person may be in danger -Suicide & Crisis Lifeline Dial 988----- Connect with Candice Snyder!Website: https://www.podpage.com/passion-purpose-and-possibilities-1/Facebook: https://www.facebook.com/candicebsnyder?_rdrPassion, Purpose, and Possibilities Community Group: https://www.facebook.com/groups/passionpurposeandpossibilitiescommunity/Instagram: https://www.instagram.com/passionpurposepossibilities/LinkedIn: https://www.linkedin.com/in/candicesnyder/Shop For A Cause With Gifts That Give Back to Nonprofits: https://thekindnesscause.com/Fall In Love With Artists And Experience Joy And Calm: https://www.youtube.com/@movenartrelaxation

Beth Ann Bovino is the Chief Economist at US Bank and she joined Vineeta for a quick economics update on The WCCO Morning News!

A daily update on what's happening in the Rocket Pool community on Discord, Twitter, Reddit, and the DAO forum. #RocketPool #rpl #Ethereum #eth #crypto #cryptocurrency #staking #news Podcast RSS: https://anchor.fm/s/cd29a3d8/podcast/rss Anchor.fm: https://anchor.fm/rocket-fuel Spotify: https://open.spotify.com/show/0Mvta9d2MsKq2u62w8RSoo Apple Podcasts: https://podcasts.apple.com/us/podcast/rocket-fuel/id1655014529 0:00 - Welcome Rocket Pool news 0:38 - rETH pitch deck https://discord.com/channels/1109303903767507016/1109303904547655724/1353638351747420162 4:09 - Halo's Reddit post and discussion https://discord.com/channels/405159462932971535/405163713063288832/1353930634686631977 15:18 - Sentiment polls on GMC splits https://dao.rocketpool.net/t/increasing-gmc-share-of-inflation-vote/3560 17:03 - Cyfrin course completions https://updraft.cyfrin.io/courses/rocket-pool-reth-integration https://www.cyfrin.io/certifications/solidity-certification 18:11 - Some thoughts on Fusaka timing https://x.com/potuz_eth/status/1904138832997437531 21:07 - World Lib stable coin https://x.com/worldlibertyfi/status/1904516935124988075 https://x.com/vivekventures/status/1904580633839497392 22:11 - US Bank stable coin https://x.com/custodiabank/status/1904494567207891193 https://x.com/newtypetrades/status/1904547895728050467 https://x.com/vivekventures/status/1904580977453642004

This panel discussion features Arlington-specific insights on residential renovation vs. new construction costs and considerations, as well as construction timelines and financing options. On the panel were Arlington experts from MR Custom Homes, DeFalco Home Design, Alair Homes, and US Bank. The event was moderated by ARLnow real estate columnist Eli Tucker and held at Arlington Central Library on March 11, 2025. Essential listening for Arlington homeowners considering their next steps.

In 2023, the U.S. market for transferable clean energy tax credits was just getting started. One year later, that market has tripled in size, with credits diversifying beyond wind and solar into nuclear, manufacturing, and other technologies. "The statistics on just how much it grew over that period are really impressive — indicating the transparency, efficiency, liquidity, and growing nature of the market," explains Alfred Johnson, CEO of Crux, which operates a debt and tax credit platform for clean energy. When new rules allowed clean energy tax credits to be sold for cash, it suddenly opened up a dynamic new market. Now, instead of only large banks with a tax appetite being able to finance projects, any corporate buyer with tax liability can participate — and they're rushing in. In this episode, recorded during a live Frontier Forum, Latitude Media's Maeve Allsup moderates a conversation with Crux's Alfred Johnson, Stephanie Deterding, Crux's managing director of markets and transactions, and Timmi Kloster, senior vice president of tax credit syndications at US Bank Corp. The panelists discuss six key findings from Crux's recent market report: the market grew and diversified; pricing improved; smaller credits saw the greatest price improvements; hybrid transactions enabled tax equity market growth; tax insurance became more prominent; and forward commitments grew significantly. "What surprised me the most is just how quickly investors entered the market and were willing to transact," explains Timmi Kloster of US Bank. "We saw three times the amount of new investors enter the space through transferability that we would have seen in a typical, pre-IRA traditional tax equity partnership market." Despite post-election policy uncertainty, the market remains robust. "In the weeks following the November election, bidding activity was the highest we have seen yet," says Johnson, noting that 90% of projects benefiting from the credits are in Republican districts. This is a partner episode, brought to you by Crux. It was recorded live as part of Latitude Media's Frontier Forum series. Watch the full video to hear more details about the booming tax credit market. Or read the Crux report.

Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below) https://affiliates.meliopayments.com/travelonpointsteam Episode Description This week we learned that Hyatt has changed their terms to give another property an exemption from honoring elite benefits. With their exclusion list growing longer and longer is this a move in the wrong direction? Is Hyatt's growth coming at the cost of a consistent loyalty program?   In other news American Express released increased offers for two of the Marriott cards where you can get a welcome offer up to 185K. We also discuss: US Bank's way too generous 4% cashback card, Air India's poopy flight, popping champagne on an airplane, Wyndham and Discover debit rewards cards, 20K Amex pay over time offers and a hotel ice machine hack.   Episode Guide 0:00 Popping champagne on an airplane 0:51 Air India's poopy flight 2:40 Southwest gets even worse than last week 5:33 Hyatt's Globalist benefits are declining 7:16 Hyatt's growth is pressuring elite benefits 9:10 Up to 185K increased Marriott Bonvoy card offers 11:09 US Bank's insane 4% back card - Too good to be true? 13:01 Melio $200 offer - Easy spend and profit 14:17 Wyndham launches new debit rewards card 15:59 Discover's cashback debit card may be a better option 16:43 Amex 20K Pay Over Time offers return 17:47 Cool S - Hotel ice machine hack Links Popping champagne - https://x.com/InternetH0F/status/1901438364546740605 Air India - https://x.com/sjlazars/status/1899074610689384771?s=46 Hyatt elite issues - https://viewfromthewing.com/hyatt-hotels-are-ignoring-elite-perks-and-no-one-is-stopping-them/ US Bank Smartly - https://milestomemories.com/u-s-bank-rethinking-the-smartly-visa-credit-card/ Wyndham debit - https://travel-on-points.com/wyndham-debit-card/ 20K Pay Over Time - https://milestomemories.com/pay-over-time-offers-an-easy-20k-in-points/ Hotel ice hack - https://www.youtube.com/shorts/BrX-scnvl-o Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

About Misty Grambow:Misty Grambow is a results-driven sales executive with over 26 years at U.S. Bank/Elavon, Inc., specializing in healthcare, higher education, and nonprofit sectors. As VP of Healthcare and Nonprofit, she leads strategic initiatives to drive growth, develop key partnerships, and optimize payment solutions. With deep expertise in lead generation, prospect engagement, and sales negotiations, Misty has a proven track record of expanding client relationships and delivering impactful solutions. A graduate of the University of Wisconsin-Milwaukee, she excels in fostering business success through innovation and collaboration.About Tom Priedeman:Tom Priedeman is a seasoned financial executive with over a decade at U.S. Bank, specializing in healthcare corporate banking and capital markets. As Division Manager of Middle Market Healthcare, he leads a team providing corporate finance advisory, capital solutions, and working capital optimization for healthcare firms under $1 billion in revenue. Previously, he held senior roles at J.P. Morgan. With an MBA from Duke University and a background in accounting, Tom excels in strategic financial solutions and client growth.Things You'll Learn:Financial services are playing a crucial role in driving change in healthcare, particularly by addressing payment challenges and streamlining revenue cycle management. US Bank's commitment to providing capital and innovative payment solutions is making a tangible difference for healthcare providers.AI holds immense potential for improving the efficiency and patient experience in healthcare, but it also brings significant cybersecurity implications that must be carefully managed.Integrating payment solutions into the healthcare journey is essential for improving patient financial satisfaction and increasing revenue streams for healthcare providers. Healthcare systems should prioritize user-friendly payment options, transparent billing practices, and proactive communication with patients about their financial responsibilities.Healthcare organizations need comprehensive solutions that address patient and non-patient payment challenges and can be customized to their specific culture and needs.Resources:Connect with and follow Misty Grambow on LinkedIn.Follow and connect with Tom Priedeman on LinkedIn.Learn more about U.S. Bank on their LinkedIn and website.

This week's guest is Bobby Holland,  Vice President and Director, Freight Business Analytics, at US Bank.  US Bank has been around since 1863 and is currently the 5th largest bank in the United States.  They also process over $40B in freight payments each year.   In our conversation, Bobby explains his unexpected entry into the trucking industry and the incredible reliance everyone has on it.  He also discusses how US Bank's Freight Payment Index provides data-driven insights into freight trends at the national and regional levels and utilizes a "same-source sales" type algorithm to ensure data accuracy.  The conversation also touches on challenges and importance of data integration, quality, and governance.  Finally, Bobby discusses future plans for the index, including incorporating more transportation modes and using AI for predictive analytics.

Michael Lacorazza, CMO of US Bank, and Mike Barrett, Founder and CSO at Supernatural AI, set out to break the mold: to partner together on an advertising campaign for the large financial institution using innovative AI methods and achieving fast results. If you're interested in how to partner with AI agencies to take your work to the next level, listen to this case study about “The Power of Us” campaign, and walk away with lessons for your own organization. For Further Reading:U.S. Bank CMO: Relationships Fuel Marketing TransformationInside the Campaign: How US Bank Used Artificial Intelligence to Fast-Track Its Latest AdsNate B Jones Substack Listen on your favorite podcast app: https://pod.link/1715735755

Bankadelic is devoting two episodes to a crucial topic for 2025: where small businesses sit (and fit) in a challenging economic landscape. The U.S. Bank Small Business Perspective survey sheds light on the forces and concerns that matter — as reported by the business leaders themselves. In Port One we discuss the findings and what they reveal with Shruti Patel, U.S. Bank, Executive Vice President, Chief Product Officer for Business Banking.

In Part Two of a special Bankadelic presentation, we delve further into the latest U.S. Bank Small Business Perspective survey. Shruti Patel, U.S. Bank, Executive Vice President, Chief Product Officer for Business Banking, shares survey finding the gauge what truly makes workers happy and how SMBs are facing a future full of optimism and significant growth tasks. In an age where opinions pose as facts, ther report offers a clear-eyed view of the SMB landscape.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Ashley M. Fox is the Founder & Chief Executive Officer of Empify, a leading fintech company dedicated to democratizing financial education. Fox is a former Wall Street analyst, a Howard University graduate, and an expert in her field as a Financial Education Specialist. Building upon her career managing portfolios for high-net-worth individuals, Fox founded Empify to empower the 99% that Wall Street overlooks with the tools to build generational wealth including investing courses, estate planning, retirement planning, and more. Fox has earned numerous accolades including her recognition as one of Black Enterprise’s 2024 40 Under 40 awardees. She was also named as a Black Woman Trailblazer for her groundbreaking work in financial education at the 2024 Hallmark Mahogany Honors. A frequent keynote speaker at international events, her story and expertise have been featured on prominent media outlets, including Jim Cramer’s “The Street,” Yahoo Finance, CNBC, Inc. Magazine, Afrotech, Business Insider, Fox News, ABC, Huffington Post, Glamour Magazine, and Forbes. Company Description *Empify, named by merging the words EMPower and modIFY, revolutionizes how users learn to build wealth. The company’s membership-based WealthBuilders Community app, widely referenced as the “Netflix of Finance,” simplifies financial concepts through its life-alternating programs and digital content designed to remove fear around investing. Since inception, Empify has equipped millions of individuals with the tools to build wealth and has enabled tens of thousands of adults and children to become first-time investors. Its educational programs have been implemented in hundreds of schools, prison systems, and organizations across the United States and over 20 countries including the School District of Philadelphia, the University of Pennsylvania’s Wharton School of Business, US Bank, Essence, and Google. Underscoring its impact, Empify was ranked in the top 50 companies in the Financial Services category for Inc. Magazine’s 5000 Fast-Growing Companies list, securing an overall ranking of #652 in August 2024. #STRAW #BEST #SHMSSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Ashley M. Fox is the Founder & Chief Executive Officer of Empify, a leading fintech company dedicated to democratizing financial education. Fox is a former Wall Street analyst, a Howard University graduate, and an expert in her field as a Financial Education Specialist. Building upon her career managing portfolios for high-net-worth individuals, Fox founded Empify to empower the 99% that Wall Street overlooks with the tools to build generational wealth including investing courses, estate planning, retirement planning, and more. Fox has earned numerous accolades including her recognition as one of Black Enterprise’s 2024 40 Under 40 awardees. She was also named as a Black Woman Trailblazer for her groundbreaking work in financial education at the 2024 Hallmark Mahogany Honors. A frequent keynote speaker at international events, her story and expertise have been featured on prominent media outlets, including Jim Cramer’s “The Street,” Yahoo Finance, CNBC, Inc. Magazine, Afrotech, Business Insider, Fox News, ABC, Huffington Post, Glamour Magazine, and Forbes. Company Description *Empify, named by merging the words EMPower and modIFY, revolutionizes how users learn to build wealth. The company’s membership-based WealthBuilders Community app, widely referenced as the “Netflix of Finance,” simplifies financial concepts through its life-alternating programs and digital content designed to remove fear around investing. Since inception, Empify has equipped millions of individuals with the tools to build wealth and has enabled tens of thousands of adults and children to become first-time investors. Its educational programs have been implemented in hundreds of schools, prison systems, and organizations across the United States and over 20 countries including the School District of Philadelphia, the University of Pennsylvania’s Wharton School of Business, US Bank, Essence, and Google. Underscoring its impact, Empify was ranked in the top 50 companies in the Financial Services category for Inc. Magazine’s 5000 Fast-Growing Companies list, securing an overall ranking of #652 in August 2024. #STRAW #BEST #SHMSSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Ashley M. Fox. Ashley M. Fox is the Founder & Chief Executive Officer of Empify, a leading fintech company dedicated to democratizing financial education. Fox is a former Wall Street analyst, a Howard University graduate, and an expert in her field as a Financial Education Specialist. Building upon her career managing portfolios for high-net-worth individuals, Fox founded Empify to empower the 99% that Wall Street overlooks with the tools to build generational wealth including investing courses, estate planning, retirement planning, and more. Fox has earned numerous accolades including her recognition as one of Black Enterprise’s 2024 40 Under 40 awardees. She was also named as a Black Woman Trailblazer for her groundbreaking work in financial education at the 2024 Hallmark Mahogany Honors. A frequent keynote speaker at international events, her story and expertise have been featured on prominent media outlets, including Jim Cramer’s “The Street,” Yahoo Finance, CNBC, Inc. Magazine, Afrotech, Business Insider, Fox News, ABC, Huffington Post, Glamour Magazine, and Forbes. Company Description *Empify, named by merging the words EMPower and modIFY, revolutionizes how users learn to build wealth. The company’s membership-based WealthBuilders Community app, widely referenced as the “Netflix of Finance,” simplifies financial concepts through its life-alternating programs and digital content designed to remove fear around investing. Since inception, Empify has equipped millions of individuals with the tools to build wealth and has enabled tens of thousands of adults and children to become first-time investors. Its educational programs have been implemented in hundreds of schools, prison systems, and organizations across the United States and over 20 countries including the School District of Philadelphia, the University of Pennsylvania’s Wharton School of Business, US Bank, Essence, and Google. Underscoring its impact, Empify was ranked in the top 50 companies in the Financial Services category for Inc. Magazine’s 5000 Fast-Growing Companies list, securing an overall ranking of #652 in August 2024. #STRAW #BEST #SHMSSee omnystudio.com/listener for privacy information.

Goldman Sachs hat mit der Apple Card ein Problem am Hals: Trotz großer Beliebtheit bei den Kunden schreibt die US-Bank hohe Verluste und sucht dringend nach einem Weg, den Vertrag mit Apple vorzeitig zu beenden. Einfach wird das nicht.

Dive into today's top stories on the BizNews Briefing: David Coltart warns South Africa about coalition governance pitfalls, FlySafair faces backlash over overbooking claims, US banks report stellar Q4 earnings, and Richemont shines on the JSE. Plus, Action SA's political alliances, Amazon Alexa's AI upgrade, and a push to end race-based policies in South Africa.

Dan is back giving the sermons before the Border Battle at US Bank, he breaks it all down with Ben Goessling and Gerby!

Us Bank's Smartly Visa Signature card has no annual fee but also no welcome bonus. Even so, because of a benefit from their savings account which can increase earnings on the card, it's worth a discussion on today's Card Talk episode. (00:21) - What are the basics of the U.S. Bank Smartly™ Visa Signature® Card Learn more about this card here. (01:06) - You can increase earning with a U.S. Bank Smartly Savings account and have certain amounts deposited w/ US Bank... (02:53) - You'll need a Smartly Savings Account (04:13) - But you can point your money toward Self Directed Investing (08:03) - Be careful how you redeem rewards (10:08) - How does the US Bank Smartly Card compare to Bank of America's Platinum Honors?

Joe attends his first Vikings game at US Bank stadium, $765 million dollars for Juan Soto, and Souch came up with the golden at-bat!! Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Joe attends his first Vikings game at US Bank stadium, $765 million dollars for Juan Soto, and Souch came up with the golden at-bat!! Learn more about your ad choices. Visit podcastchoices.com/adchoices

We have had a number of banking CMOs on this show over the years, and, perhaps counterintuitively, every one of them has been insightful and interesting. This week's show continues that trend. Jim's guest on The CMO Podcast is Michael Lacorazza, the Chief Marketing Officer of US Bank. Headquartered in Minneapolis, US Bank is the fifth largest commercial bank in the US, with revenue in the $40 billion range. Michael has been CMO at US Bank for about a year–and in that year he and his team developed a new campaign for the brand, leveraging AI in creative development of the idea. Before US Bank, Michael worked in marketing at Lexus, Marriott, Digitas, TD Ameritrade, and Wells Fargo. And before taking the reins at US Bank, Michael worked as a CEO of a home security company, Frontpoint. Tune in for a conversation with a CMO who has been very thoughtful of his career path.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Joe attends his first Vikings game at US Bank stadium, $765 million dollars for Juan Soto, and Souch came up with the golden at-bat!! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Joe attends his first Vikings game at US Bank stadium, $765 million dollars for Juan Soto, and Souch came up with the golden at-bat!! Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Minnesota Vikings spoiled the return of Kirk Cousins back to US Bank stadium. The UHC CEO is assassinated in New York City. Max tries the European Christmas Market. The boys break all of that down and more.Later in the show (42:58) Matt is joined by Ryan Rumpca. Ryan is a freelance photographer, videographer, and director specializing in outdoor lifestyle works. His client list includes Patagonia, Hoka, Explore Minnesota, Iditarod sleg dog race, Bon Iver, Duluth Pack & Castle Danger Brewing to name a few.Check out his website: https://www.ryanrumpca.com/ Send us a text

Joe attends his first Vikings game at US Bank stadium, $765 million dollars for Juan Soto, and Souch came up with the golden at-bat!! Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Joe attends his first Vikings game at US Bank stadium, $765 million dollars for Juan Soto, and Souch came up with the golden at-bat!! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this empowering episode, Candy sits down with Aransas Savas to explore the challenges many women face in juggling responsibilities, managing guilt, and dealing with resentment. Drawing from her personal experience and career, Aransas sheds light on how women often bear the weight of unrealistic expectations and how that impacts their well-being. Together, they discuss the importance of setting boundaries, prioritizing self-care, and reclaiming personal agency. This conversation is a heartfelt reminder that we can only care for others if we first care for ourselves.Highlights:Women often feel overwhelmed by the burden of juggling multiple roles and responsibilities.The impact of resentment that builds from neglecting self-care and focusing too much on serving others.The emotional toll of guilt, shame, and perfectionism on mothers and caregivers.The importance of setting personal boundaries to protect mental and emotional well-being.Stress and creativity are opposites—managing stress opens the door to creative expression.Personal responsibility doesn't mean taking on the burden of others; empowering others is key.The role of community in helping women overcome obstacles and thrive.How tiny daily luxuries can symbolize self-worth and create moments of joy.The connection between intention, integrity, and creativity—keeping our word to ourselves matters.Reframing responsibility from a burden to an opportunity to empower others. Featured on This Show:Click here to find out how to work with meClick here to access valuable free resources for coaches Instagram: https://www.instagram.com/candymotzek/LinkedIn: https://www.linkedin.com/in/candy-motzek/Aransas SavasAransas Savas is a veteran Wellbeing and Leadership Coach, certified by the Institute for Professional Excellence in Coaching and The International Coaching Federation. She has spent her career at the intersection of research, behaviour change, and coaching. She's the host of the award-winning Uplifters Podcast, which features the stories of inspiring and impactful women and the mindset techniques they use to care for themselves. She is the creator of the MET Mastery program, which helps overwhelmed women reclaim their meaning, energy, and time and cultivate creativity and courage capital. She has designed and delivered transformative experiences for 20 years, including Oprah Winfrey's 2020 Vision tour, and group and individual coaching for companies including Disney, Weight Watchers, Best Buy, Edward Jones, US Bank, and many more. Aransas is based in Brooklyn, NY, a 22-time marathoner, a news-wife, and Momma to a 200-year-old sourdough culture, a fluffy pup, and two-spirited, creative girls.Website: WWW.THEUPLIFTERSPODCAST.COMInstagram: https://www.instagram.com/aransas_savas/LinkedIn: https://www.linkedin.com/in/aransassavas/Free Gift:

Is a return to US Bank stadium to perfect recipe for Kirk Cousins to bounce back and play a great game after a few clunkers recently for Atlanta? Matthew Coller of Purple Insider says he could definitely see it happening. Excellent stuff from Matthew joining Chad to talk Vikings!

In this episode, Scott W. Luton and Tandreia Bellamy explore the latest insights from the U.S. Bank Freight Payment Index for Q3 2024 with Bobby Holland, Director of Freight Business Analytics at U.S. Bank, and Cathy Morrow Roberson, Founder & President of Logistics Trends and Insights. Together, they discuss national and regional freight trends, discussing how data-driven decisions are shaping the future of domestic truck freight.The panel highlights emerging trends in transportation, from strong import volumes on the West Coast to unique challenges in the Southeast due to recent weather impacts. Bobby and Cathy also share their expertise in interpreting key metrics, helping businesses navigate freight volatility, managing supply chain costs, and adapting to shifts in the housing and manufacturing sectors.Tune in to hear expert takes on how regional dynamics and national economic shifts are impacting the freight market and learn how businesses can use these insights to make smarter, more resilient decisions in uncertain times.Additional Links & Resources:Download the Q3 2024 U.S. Bank Freight Payment Index: https://bit.ly/scn-us-bankConnect with Bobby Holland: https://www.linkedin.com/in/bobby-holland-4a9355/, Connect with Cathy Morrow Roberson: https://www.linkedin.com/in/cathy-morrow-roberson-lti/Learn more about Logistics Trends & Insights: https://logisticsti.com/Learn more about Supply Chain Now: https://supplychainnow.comWatch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-nowSubscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/joinWork with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVkWEBINAR- Future-Proof Your Logistics: AI-Powered Solutions for Competitive Edge: https://bit.ly/3BouB5EWEBINAR- Unlocking the Power of Digital Transformation: Building AstraZeneca's Resilient, Decision-Centric Supply Chain: https://bit.ly/4fHYooJWEBINAR- The Cold Chain Dilemma: Why Visibility Falls Short and What Really Works: https://bit.ly/4hpu8k9WEBINAR- 2025 Supply Chain Outlook: Preparing for Economic and Commercial Shifts: https://bit.ly/4fKWvYxWEBINAR- Introduction to Microsoft Supply Chain: Enabling Scale and Complexity: https://bit.ly/40K1rszWEBINAR- How Ferguson's Metrics-Driven Strategy Drove an 18% Improvement in Operational Efficiency: https://bit.ly/3YBbsFzThis episode is hosted by Scott Luton and Tandreia Bellamy produced by Amanda Luton and Trisha Cordes. For additional information, please visit our...

In 2024, Peter Boumgarden had the opportunity to lead a group of researchers and commissioners in a shared venture between Washington University in St. Louis and the Brookings Institution looking at the shifts of ownership for privately held firms. Because of the amount of these that are owned by baby boomers, it is often called a kind of silver tsunami. Today, you are going to hear pieces of that story from a few members of the team.

In an evolving financial landscape, US Bank has emerged as a leader in digital transformation. It has reshaped the way customers interact with their finances. Today's episode of the Tearsheet podcast features Gareth Gaston, Chief Product Officer of Digital Platforms at US Bank. He discusses the bank's decade-long journey of innovation and customer-centric development. "We've been on a multi-year journey on digital transformation across all facets that you can think of digital," Gaston explains. This transformation has been more than just a technological upgrade. It's been a cultural shift that has positioned US Bank at the forefront of banking innovation. The journey began with the recognition that customers were using more than just physical branches. "When we started this journey, we were renting all our digital tools," Gaston recalls. "We didn't have a mobile app. We were kind of renting our online banking and bill pay." From these humble beginnings, U.S. Bank has built its own digital platform and in doing so, laid the groundwork for successful future product development. In doing so, it has created award-winning apps and platforms that serve millions of customers. Here's my conversation with U.S. Bank's Gareth Gaston.

Do you know the difference between a plan and a strategy? To reach your business goals, you need both. Today's guest shares a new approach to growth strategy. As the Founder and CEO of Demand Metric, Jesse Hopps has spent the last 18 years working with senior executives at many of the world's largest organizations to accelerate revenue growth with focused problem-solving. He's on a mission to help 500 clients earn $500K+/year in semi-retirement doing growth strategy work. He is disrupting what he calls the broken growth model of the Strategy Consulting industry, which is largely controlled by Ivy League firms that are being increasingly questioned about the effectiveness and value of their services. Demand Metric has served over 8,000 clients including Microsoft, Salesforce, Apple, Amazon, Fidelity Investments, US Bank, Verizon, and many more!  Building a Marketing Membership Jesse and his partners grew a community of over 250,000 marketing professionals through SEO content marketing and email. Their goal was to provide a productized version of consulting through research-based, customizable tools. Today they have over 670 templates, including everything from case studies to marketing plan presentations, job descriptions, and CRM assessments.  A major turning point for the company came when they started content licensing with large organizations, first the American Marketing Association (AMA) and later the Association of International Product Managers & Marketers (AIPMM). Those partnerships put Demand Metric on the map as a credible brand and industry leader. Soon enough, more organizations began to reach out for research reports and custom content. Plan vs. Strategy Jesse's mission is to disrupt the consulting industry by providing more value to the client. His approach is based on the book Good Strategy, Bad Strategy by Richard Rumelt, which focuses on challenges over goals. Most business leaders base their strategy on goals: they want to reach a certain revenue number and they have a plan to achieve that goal. But you need a strategy to overcome any potential obstacles on the path to that goal. The first step is to get all the issues on the table that might prevent you from achieving your vision. Then, figure out which problems you need to solve to make achieving your goal inevitable.  Enjoy this episode with founder Jesse Hopps… Soundbytes 12:46-13:20 “They taught me that if you've got emails and people that are engaged and a good audience, you can monetize this. I had no idea, that wasn't what we set out to do in our business. It was always a subscription model, working with these associations. I said, ‘What do people pay for that kind of thing?' They said, ‘We'll give you $5,000 if you send this email out. I said that's probably the easiest $5,000 I've ever made in my life.”  24:13-24:39 “Anyone who's been in consulting knows it can be very lonely if you're an entrepreneur or solopreneur. So having a group of others, going through building their business, bouncing ideas off of them…We've built online communities before. It's hard to get them really active and a great culture in a community, but this one kind of just took off on its own. I think mainly because there was a common purpose and vision for the group.” 31:03-31:24 “The art of strategy isn't so much about setting big goals and then creating a bunch of disconnected initiatives around hopefully all these things added up will equal us hitting the goal. It's about getting all the issues of why you maybe won't hit that goal on the table and figuring out what would need to be true, what would need to be solved, in order to make achieving that goal inevitable.” Quotes “Everything we've built has been based on request.”  “We take theory and turn it into simple, practical tools that are flexible and customizable.” “There was an alternative way to deliver value to a big company that the big consulting don't really do. The client taught me that there's a lot of value in having someone work alongside of them and their team as a coach.” “I want to disrupt the traditional consulting paradigm. I think the McKinseys of the world have been charging a lot of money for nice-looking plans, but a lot of them fail to get executed.”  “The art of strategy isn't so much about setting big goals… It's about getting all the issues of why you maybe won't hit that goal on the table.” Links mentioned in this episode: Demand Metric website: http://www.demandmetric.com  Connect with Jesse on LinkedIn: https://www.linkedin.com/in/jessehopps  Connect with Jesse on Instagram: https://www.instagram.com/jessehopps/ 

Matt and Ash break down the Lions win at US Bank stadium against the previously undefeated Vikings. The Lions are now the 1 seed in the NFC! Explicit Language is in this Podcast. Join our Discord channel: https://discord.gg/Jw7tWfCnqN Facebook page: @Roarothelionsuk Facebook group: Detroit Lions Fans UK One Pride World Wide Twitter: @ROTL_UK Instagram: @ROTL.UK Twitch: rotl_uk YouTube: Roar Of The Lions UK Website: Rotluk.com (new merch store available via website)

This is one no-fee, cash back card that's worth talking about because of a few unique features, which we'll discuss in today's Card Talk. (00:34) - Basic details of the US Bank Altitude Connect card Read more about the US Bank Altitude Connect card updates here. (01:19) - Other (more unique) card perks (like complimentary Priority Pass Select with 4 free visits) Learn more about the US Bank Altitude Connect card here. (03:23) - This card also comes with up to $100 in credits for TSA PreCheck or Global Entry (03:40) - US Bank Altitude Connect also comes with "GigSky" through November 15, 2025. GigSky advertises that you can "stay connected in over 125 countries with complimentary GigSky global mobile data plans." (08:11) - Important note: points cannot be moved from the Altitude Connect card to the Altitude Reserve card Visit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media. Music Credit – Beach Walk by Unicorn Heads

Vikings Pressure Points kicks off the hour, followed by US Bank stadium vox Alan Roach, then a couple news bits to finish!

Vikings Pressure Points kicks off the hour, followed by US Bank stadium vox Alan Roach, then a couple news bits to finish!

In this re-released episode, Joshua Berry, author, speaker, and director of Econic, shares his insights on driving change in Fortune 500 companies and startups. With a track record of success at organizations like US Bank, John Deere, and Blue Cross Blue Shield, Joshua reveals his top strategies for effective leadership and innovation. Top 3 Takeaways: Get Quiet: Silence the noise and tap into your deeper wisdom. Ease Up: Trust your intuition; big breakthroughs often defy conventional thinking. People First: Prioritize people in your decisions—alignment with business goals comes next. From Our Sponsor: The Predictive Index (PI) is an award-winning talent optimization platform that aligns business strategy with people strategy for optimal business results. More than 60 years of proven science, software, and a curriculum of insightful management workshops make PI the solution for any company looking to design great teams and culture, make objective hiring decisions, foster engagement, and inspire greatness in their people anywhere in the world. More than 10,000 clients and 480+ partners use PI—including Nissan, Citizens Bank, Subway, Blue Cross Blue Shield, and Omni Hotels—across 90+ countries. Learn more at predictiveindex.com. Additional Resources: More on PeopleForward Network Follow PeopleForward Network on LinkedIn Original episode on Lead the People

In this episode of the Product Thinking Podcast, host Melissa Perri welcomes Shruti Patel, Executive Vice President and CPO Business Banking at U.S. Bank, to share her expertise on navigating the complexities of product development within large financial institutions. Shruti delves into the intricacies of balancing innovation with legacy systems, the importance of focusing on high-impact products, and strategies for aligning teams around customer-centric goals.

Join us as we discuss Dr. Reid Blackman's new book: Ethical Machines: Your Concise Guide to Totally Unbiased, Transparent, and Respectful AI (Harvard Business Review Press, 2022). We dive into the intricacies of developing AI and the intersection of ethics and innovation. Reid Blackman, Ph.D., is the author of Ethical Machines, creator and host of the podcast “Ethical Machines,” and Founder and CEO of Virtue, a digital ethical risk consultancy. He is also an advisor to the Canadian government on their federal AI regulations, was a founding member of EY's AI Advisory Board, and a Senior Advisor to the Deloitte AI Institute. His work, which includes advising and speaking to organizations including AWS, US Bank, the FBI, NASA, and the World Economic Forum, has been profiled by The Wall Street Journal, the BBC, and Forbes. His written work appears in The Harvard Business Review and The New York Times. Prior to founding Virtue, Reid was a professor of philosophy at Colgate University and UNC-Chapel Hill. Learn Madison's Notes is the podcast of Princeton University's James Madison Program in American Ideals and Institutions Contributions to and/or sponsorship of guest does not constitute departmental or institutional endorsement of the specific program, speakers or views presented. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Get an easy $200 from Melio for making your first payment! (Affiliate link. Terms below)  https://affiliates.meliopayments.com/travelonpointsteam Episode Description: As a reminder you can watch this show as well at: https://www.youtube.com/@20minutetravel This week the DOT announced they are going to be investigating the major U.S. airlines and their loyalty programs to ensure consumers are being protected. These programs have become huge profit centers for the airlines, but should they be investigated and exactly what will come from it? In other news a new Tik Tok trend is holding up airport security lines. Is it a problem or a fun fad? We also discuss the "Gates of Hell", a new 4% cash back card, Chase's 90K Ink offer, how to save on your cell phone bill, RebateKey issues, redeeming your Dunkin' credit and parents stealing their children's credit to travel. Episode Guide: 0:00 The age old problem of the travel hacker 0:51 Department of Transportation investigating airline loyalty programs 3:07 Are points & miles a form of savings? 4:19 Insane story - Parents opening credit cards in child's name to travel 5:50 How to protect yourself from others using your credit 7:11 New Tik Tok trend - Organizing your TSA bin? 8:28 Another reason not to participate in this new trend 9:49 Chase Ink Business Unlimited - increased 90K offer 11:16 US Bank's insane new 4% cash back card 12:45 Why ramping up spending at US Bank is tough 14:04 RebateKey - What is it and a warning about receiving payments 17:03 How to redeem the $7 Dunkin' credit the right way 18:55 New Chase Offers including T-Mobile, Turo, Marriott and more 20:45 Gates of Hell in Turkmenistan About the Show: We love to travel and love to laugh! 20 Minute Travel is designed to get you all of the info you need to supercharge your travel by utilizing credit cards, travel rewards and other tricks to pay pennies on the dollar.  Shawn Coomer is the founder of Miles to Memories and has traveled all over the world with his family utilizing miles & points. He has been writing and podcasting about miles, points and travel since 2013 and has earned and spent millions of points & miles across dozens of programs. Mark Ostermann is the former Managing Editor of Miles to Memories and is the Managing Editor at Travel on Points. He has been writing about his travel experiences since 2017 and loves to dive into the weeds so you don't have to. He also enjoys a good beer and a laugh or fifty. Each week tens of thousands of people tune into our MtM Vegas news shows at http://www.YouTube.com/milestomemories. If you like this show check it out! Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at 20minutetravel@gmail.com. Melio Offer Terms: This is a business to business payment platform - no personal bills / payments. The offer is for new accounts only. If you sign up using the 20 Minute Travel link new members will get $200 cash back after making a $200+ payment via Melio pay. Gal from Melio will reach out to finalize the details of your payment. That is $6 in processing fees for a $200 bonus! After signing up and making your first payment with a vendor you will want to upload your bank info to your Melio account. Do it as the receiving method so you have a checking account set up to receive payments. You will then receive an email from (Gal) Melio saying you are eligible for the $200 bonus and it will tell you to set up your receiving method, or you can share your bank information if you prefer that.

Discover the critical insights shaping the future of the freight market from Q2 2024, as industry experts unveil data-driven trends and forecasts.In this episode, Scott W. Luton is joined by Bobby Holland, Lee Klaskow, and co-host Tandreia Bellamy. They discuss the U.S. Bank Freight Payment Index, based on $42 billion in transactions processed by US Bank in 2023. Together, we hear about the domestic freight market's approaching bottom, decreased shipper spending, and regional economic variations.Listeners will walk away with a nuanced understanding of national and regional shipment trends, the impact of inflation on consumer habits, and forecasts for future market recovery.Jump into the conversation:00:00 Introduction of Bobby Holland and Lee Klaskow08:59 Dissecting the US Bank Freight Payment Index10:41 Analyst's approach to industry and economic research13:58 Improvement predictions in retail demand22:57 Supply chains disrupted by unforeseen events26:39 ISM manufacturing index31:54 Low-income impact of inflation and changing consumer behavior40:16 Truckers and capacity shifts43:41 Transportation outlookResources:Download the U.S. Bank Q2 2024 Freight Payment Index: https://bit.ly/scn-us-bankConnect with Tandreia Bellamy: https://www.linkedin.com/in/tandreia-bellamy-56b49959/ Connect with Bobby Holland: https://www.linkedin.com/in/bobby-holland-4a9355/ Connect with Lee Klaskow: https://www.linkedin.com/in/leeklaskow/ Connect with Scott: https://www.linkedin.com/in/scottwindonluton/ Learn more about Supply Chain Now: https://supplychainnow.com Watch and listen to more Supply Chain Now episodes here: https://supplychainnow.com/program/supply-chain-now Subscribe to Supply Chain Now on your favorite platform: https://supplychainnow.com/join Work with us! Download Supply Chain Now's NEW Media Kit: https://bit.ly/3XH6OVk This episode was hosted by Scott Liuton and Tandreia Bellamy. For more information, please visit our dedicated shoa page at: https;//supplychainnow.com/analysis-us-bank-2024-q2-freight-payment-index-1314