Podcasts about us bank

Fook Hien weighs in on major US banks' Q2 performance, which significantly exceeded consensus expectations for both earnings and revenue.Speaker:- Yap Fook Hien, Senior Investment Strategist, Standard Chartered Bank For the latest market insights, visit our on-the-go Market Views or subscribe to Standard Chartered Wealth Insights on YouTube.

The major US banks have reported their earnings, and experts say these results can offer a clear snapshot of the state of the US and global economy. JP Morgan, Goldman Sachs, Bank of America, and Citi were among the major banks reporting their results, leaving investors to speculate about the wider implications. Fisher Funds expert Sam Dickie explained further. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Cash Back and Points: How to Blend Credit Card Rewards with Amex, Chase, Capital One, Citi, U.S. Bank & More Justin Vacula of the Hurdy Gurdy Travel Podcast is joined by co-host Darren to discuss how to combine cashback credit cards with a points and miles strategy. Justin and Darren explain that points and miles can be great for flights, hotels, lounges, and premium travel, and cashback can help cover expenses that points do not easily offset, including airline fees/taxes, food, transportation, and other out-of-pocket travel costs. They compare traditional cashback cards with points that can be cashed out, starting with American Express Membership Rewards options such as the Schwab Platinum, Morgan Stanley Platinum, and Amex Business Platinum with Business Checking. They also discuss strong Amex earning cards, including the Amex Gold Card, Amex Business Gold, and Blue Business Plus. The episode also covers Chase Sapphire Reserve Pay Yourself Back, shifting Chase redemption categories, Capital One Venture and Venture X purchase eraser redemptions, and Citi cash-out options through cards such as the Citi Strata Premier and Citi Strata Elite. Justin and Darren also discuss US Bank business cashback cards, including redemption considerations and how a US Bank checking account is needed to get better value. They review the Discover IT rotating 5% categories, gift card redemption bonuses, and more. Timestamps 00:00 Podcast Intro 00:35 Cashback Strategy Setup 01:49 Why Cashback Matters 04:31 Amex Points Cashout 07:19 Chase Points Cashout 11:41 Capital One Points Cashout 14:23 Citi Cashout Options 16:06 Support And Sponsors 18:27 US Bank Cashback Cards 20:39 Discover Cashback 24:22 MGM Iconic 27:58 Venmo And Langley 33:25 Trips, Credits, And Wrap Up 38:07 Closing Outro —

We share a quick life update and explain why we are taking a four to six week break so we can reset and come back stronger. Then we dig into the latest Chase and Hyatt changes, run our midyear points and cash back totals, and share how we finally locked in business class seats for our upcoming London and Scotland trip. • announcing a short podcast hiatus and the reasons behind it • plans to set up a guest scheduling system for future episodes • reacting to the Chase Sapphire Preferred Hyatt transfer cut to 4:3 • what the change means for Hyatt fans and award booking value • why Chase is pushing elevated offers after recent nerfs • midyear recap of cards opened and total points earned so far • cash back strategy including bank account bonuses and tracking • frustrations with US Bank central billing and bonus timing • warning story about Chime and why we are waiting on a resolution • booking last-minute business class to London using American Airlines miles • focusing more on family travel stories alongside points and miles If by chance no one in your family has a Chase Ink business card and you would like to get one, please use our links above.

The President elbowed out Jerome Powell and brought in Kevin Warsh. His first meeting of the Open Market Committee is this week. A look at what kind of news will happen in the next 24 hours from the Chief Economist at US Bank, Beth Ann Bovino on The WCCO Morning News.

The President elbowed out Jerome Powell and brought in Kevin Warsh. His first meeting of the Open Market Committee is this week. A look at what kind of news will happen in the next 24 hours from the Chief Economist at US Bank, Beth Ann Bovino on The WCCO Morning News.

Spencer sits down with Jen from Wives of the Armed Forces to talk about the real side of deployment no one prepares you for: how to build your support system, spend money without guilt, avoid resentment, and actually come out the other side stronger as a couple and a family. Topics Covered The Two Deployment Mindsets — Grind mode vs. survival mode, and how to figure out which one fits your season Giving Yourself 24 Hours — Why you need to sit in the hard feelings before jumping into action mode Buying Back Your Time — House cleaners, grocery delivery, nannies, and why paid help is sometimes the smartest financial decision you can make Combat Zone Tax Exclusion — How a deployment can increase take-home pay and where that extra money should go Per Diem Conversations — How to have the "how much of this is yours vs. ours" talk before resentment builds up The Slam Clicker Problem — Balancing crew culture and going out with budgeting as a team Leaning on Neighbors — Why asking for help actually builds stronger relationships, and how to get comfortable saying yes Reserve vs. Active Duty Deployment Differences — How the experience differs and how to tap into the broader civilian community for support On-Base Resources — MWR childcare hours for deployed families, on-base playgrounds, and the new children's museum at JBLM Give Parents a Break (GPAB) — $40/month per child in childcare support for families with a deployed service member SGLI and VRED — Making sure life insurance is maxed ($500K) and all documents are copied before departure TRICARE Changes on Activation — How Reserve TRICARE costs drop when a service member activates MLA Database & Credit Card Fee Waivers — Step-by-step: how to check eligibility and apply for annual fee waivers on Amex, Chase, Citi, US Bank, and Bank of America cards SCRA Benefits — How to get annual fees waived on cards opened before active duty, including the Capital One Venture X timing trick The Monthly Money Meeting — Ramit Sethi's approach to keeping finances connected across the distance Lifestyle Inflation — Why income level doesn't determine financial health, and the trap of spending expanding to match earnings Freezer Meal Strategy — How Jen prepped 32 meals for under $2.50 each to avoid convenience food spending during solo parenting Military Spouses as CFO — Reframing the home front role as a financial contribution, not just a sacrifice Resources & Tools Mentioned wivesofthearmedforces.com — Community, blog, and Instagram for military spouses; free deployment checklist available (search "Wives of the Armed Forces deployment checklist") Military OneSource — Benefits, counseling, and support resources for military families care.com — Vetted nanny and caregiver search; free or discounted for military families Walmart Plus — Grocery delivery; Amex Platinum travel credit can cover the membership Rocket Money — Budgeting and spending tracker (Jen's go-to for daily financial check-ins) MLA Database (DMDC) — Search "MLA database single record search" to check eligibility for credit card annual fee waivers militarymoneymanual.com/umc3 — Free Ultimate Military Credit Cards course covering MLA and SCRA fee waivers shop.militarymoneymanual.com — The Military Money Manual book (use code PODCAST for a discount) Books Mentioned Money for Couples by Ramit Sethi — How to have productive money conversations as a team; includes the monthly money meeting framework The Seven Principles for Making Marriage Work by John Gottman — Relationship exercises that work great done remotely during deployment Find Jen and the Wives of the Armed Forces community on Instagram and Facebook. Download their free deployment checklist at their website.    Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

The American consumer is being misread. Surveys say people are panicking, but their behavior tells a completely different story. On this episode of Christopher Lochhead: Follow Your Different, we take a page out of The Pirate Street Journal, as Christopher Lochhead, Eddie Yoon, and Bri Clark broke down three forces reshaping the economy through a category design lens. From historic lows in consumer confidence to AI-generated buyers to an entire generation betting on prediction markets, the picture is not one of collapse. It is one of reinvention. You're listening to Christopher Lochhead: Follow Your Different. We are the real dialogue podcast for people with a different mind. So get your mind in a different place, and hey ho, let's go.   Record Low Consumer Sentiment Is a Category Creation Engine The University of Michigan Consumer Sentiment Index dropped to 44.8 in May, the lowest reading ever recorded, following what was already a record low in April. Yet unemployment is near zero, GDP is growing, and the stock market keeps hitting new highs. The numbers do not add up because the survey is measuring something different than economic health. It is measuring the death of an old life script. The linear path of college, marriage, house, promotion, and retirement no longer delivers the meaning it once promised. People are not curling up in a ball. They are buying fewer cars, skipping packaged foods, and trading stuff for experiences. When an old script breaks, people are forced to find meaning on their own terms, and that search is historically the most powerful category creation engine the economy has ever seen.   The Synthetic Customer Will Scale Mediocrity If You Let It Research shows that AI-generated synthetic customers can replicate roughly 90 percent of real conjoint study outcomes, including which features drive choice and early price sensitivity. Companies like Target and US Bank are already testing products on synthetic audiences before launch. The technology is genuinely exciting and could transform how businesses plan, build, and compete. The danger is that most companies will point their synthetic customer tools at the fat part of the bell curve, optimizing for the average buyer and calling it an insight. Eddie Yoon has spent decades proving that the super consumer, roughly 8 to 10 percent of any customer base, can drive up to 90 percent of gross margins. Synthetic customers are only as powerful as the data they are trained on. Train them on average, and you simulate mediocrity at scale. The unlock is running synthetic studies on super consumers first, then non-consumers, and finding where those two extremes could meet. That intersection is where new categories are born. Proprietary data sets and purpose-built AI applications will separate the companies that discover the next wave from the ones that simply made the status quo slightly cheaper to produce.   Gen Z Is Not Irrational, They Are Responding to Real Data Roughly 32 percent of Gen Z investors have played prediction markets, a similar share are in crypto, and about 69 percent of Polymarket accounts have lost money since 2022. On the surface this looks like recklessness. In context, it makes complete sense. This generation grew up through 9/11, the 2008 financial crisis, and Covid, all before they could legally drink. Every institution that promised safety failed at least once during their formative years. The Nasdaq 100 returned roughly 21 percent annually over the last decade. The S&P returned 13 to 14 percent. Sitting still in an index fund would have made them wealthy. But when certainty has detonated repeatedly, patience does not feel safe, it feels naive. The speculation is not stupidity. It is a rational response to a world where the old guarantees proved hollow. The prescription from Eddie Yoon is to hold all three investment buckets at once: a boring cash safety net covering 3 to 18 months of expenses, smart index-based investments with consistent long-term returns, and a smaller speculative position built on genuine expertise and category-level knowledge. Speculation itself is not the enemy. Speculating without a superpower, without real edge, is where the damage gets done. To hear more from the Pirate Street Journal, download and listen to this episode. You can also read more Pirate Street Journal entries in the Category Pirates newsletter.   We hope you enjoyed this episode of Christopher Lochhead: Follow Your Different™! Christopher loves hearing from his listeners. Feel free to email him, connect on Facebook, X (formerly Twitter), LinkedIn, and subscribe on Apple Podcast / Spotify!

Most teams can identify friction in their customer experience. The challenge is convincing leadership to invest in fixing it. Digital leaders from Walmart, FanDuel, US Bank, and American Eagle have all faced that challenge. In this encore episode, hosts Chuck Moxley and Nick Paladino revisit key lessons on elevating frictionless experiences to the C-suite and reveal what separates ideas that get funded from those that don't.Vijay Jayaraman from Walmart explains how teams use peak events like Black Friday and Cyber Monday to quantify the impact of customer experience issues before they become major business problems. Shawn Sheely from US Bank shares how his team reframed accessibility from a compliance requirement into a billion-dollar market opportunity, helping reduce onboarding costs by 70%.Catherine Gignac from American Eagle offers a powerful perspective on designers as connectors, bringing together the work of dozens of stakeholders into a single customer experience.Scott Smith from FanDuel challenges a common assumption: stop obsessing over competitors. Your customers chose your brand for a reason. Instead of copying what others are doing, focus on understanding why your customers engage with you and what keeps them coming back.You'll also hear practical insights on measuring friction, defining the "spine" of an experience, interpreting customer behavior data, and translating customer pain points into business outcomes that executives care about.Key Actionable Takeaways:Quantify friction using peak seasonal periods to justify investment - A problem affecting 10,000 Walmart users today could impact millions on Black Friday; use known high-traffic events to correlate current issues with future revenue impact and demonstrate why fixing seemingly trivial problems matters nowReframe compliance as market opportunity not checkbox - US Bank saw accessibility as a billion-dollar market rather than legal requirement, reduced onboarding costs 70%, and opened entirely new customer channels by simplifying experiences for assistive technology usersPrioritize customer voice over competitive benchmarking - Your customers chose you because your brand resonates with them specifically; copying competitor journeys misses the point because their customers are fundamentally different people with different needs and preferencesWant more tips and strategies about creating frictionless digital experiences? Subscribe to our newsletter! https://www.thefrictionlessexperience.com/frictionless/ Download the Five Step Site Speed Target Playbook: http://bluetriangle.com/playbookDom Costa's LinkedIn: https://linkedin.com/in/dominickcosta  Nick Paladino's LinkedIn: https://linkedin.com/in/npaladino Chuck Moxley's LinkedIn: https://linkedin.com/in/chuck-moxley Chapters:(00:00) Introduction(03:18) Quantifying friction(06:20) Vijay peak periods(11:10) Black Friday first impressions(15:15) Scott traffic conversions(20:40) Sean accessibility market(27:00) Compliance reframe(31:25) Team alignment(38:00) Katherine designers as builders(43:40) Voice of customer(45:25) Customer vs competitor focus(53:15) Vijay customer first(57:00) Katherine friction tools(01:01:20) Data interpretation(01:03:31) Conclusion

A second home in the Lake Tahoe area is possible and within your reach, but only if you have a trusted real estate professional and lender in your corner. Mason Hibbard (CA DRE# 01303064 and NV S. 0184919) from Compass Realty and Mark Clore (NMLS # 502169) from US Bank join us to talk about selling, buying and financing real estate around Lake Tahoe. Talk to the experts in Lake Tahoe Real Estate: Mason.Hibbard@compass.com or 415-990-1212 Mark.Clore@usbank.com or 775-552-3931 Peter@Sageintl.com or 775-786-5515

Do you ever wonder if you are wasting money on your marketing efforts? Or how do you navigate today's big changes in paid marketing? Our guest today is Jeff Greenfield, and he shares with us his marketing insights and the changing paid advertising landscape. TODAY'S WIN-WIN: Aspire to be less wrong today than you were yesterday as there is no right answer to measurement. LINKS FROM THE EPISODE:Schedule your free franchise consultation with Big Sky Franchise Team: https://bigskyfranchiseteam.com/. You can visit our guest's website:      www.getprovalytics.com.Attend our Franchise Sales Training Workshop:  https://bigskyfranchiseteam.com/franchisesalestraining/Connect with our guests on social:https://www.linkedin.com/in/jeffgreenfield/ABOUT OUR GUEST:Jeff Greenfield is an entrepreneur, advisor, and disruptor with more than three decades of leadership in strategy, growth, and marketing. He is the Co-Founder and CEO of Provalytics, an AI-driven, cookie-less attribution and measurement platform that helps marketers prove the impact of upper funnel channels such as CTV and podcasts to drive smarter budget decisions. Previously, Jeff was the COO and Co-Founder of C3 Metrics, a leading multi-touch attribution platform serving brands such as JP Morgan, US Bank, Hertz, Nestlé, Carhartt, Edward Jones, Fender, and Peapod. Widely known as the “Cookie Monster,” Jeff is a recognized expert on cookies and their impact on the digital advertising ecosystem.Jeff has spoken at hundreds of industry conferences and his thought leadership has appeared in The New York Times, The Washington Post, The Wall Street Journal, Bloomberg, ABC, CBS, and Investor's Business Daily.This episode is powered by Big Sky Franchise Team. Big Sky Franchise Team is consistently recognized as one of the best franchise consulting firms in the United States, helping entrepreneurs franchise their businesses through a proven 3-Step franchise process rooted in ethical principles, hands-on guidance, and customized deliverables.  If you are ready to talk about franchising your business you can schedule your free, no-obligation, franchise consultation online at: https://bigskyfranchiseteam.com/. The information provided in this podcast is for informational and educational purposes only and should not be considered financial, legal, or professional advice. Always consult with a qualified professional before making any business decisions. The views and opinions expressed by guests are their own and do not necessarily reflect those of the host, Big Sky Franchise Team, or our affiliates. Additionally, this podcast may feature sponsors or advertisers, but any mention of products or services does not constitute an endorsement. Please do your own research before making any purchasing or business decisions.

Send us Fan MailMeet Laura Best, keynote speaker who helps global brands like US Bank activate passion as a science-back method to drive energy, motivation, engagement and performance in their people. She is the bestselling author of Born to Buzz and the founder of Passion Collective- a group of thousands seeking to embed more passion into their daily working lives. Today, Laura advises some of the world's biggest passion-driven brands across sectors. Hit play for the lowdown! [2:54s] History to PR: Laura's genesis story[5:25s] What first sparked ‘Born to Buzz' [12:09s] Passion-led jobs versus passion-less ones[19:47s] Purpose versus Passion[32:55s] The generational aspect of purpose-at-work[36:21s] Laura's top tips for organizations to cultivate passion [45:45s] Laura's top tips for you to avoid burnout RWL: Read: Laura's book Born to Buzz: How to Spark Your Passions (Without Quitting It All)  Laura's recommendation to read: ‘Meditation for Fidgety Skeptics' by Dan HarrisConnect with Laura on LinkedIn Connect with Vinay on X and LinkedIn What did you think about this episode? What would you like to hear more about? Or simply, write in and say hello! podcast@c2cod.comSubscribe to us on your favorite platforms – Google Podcasts, Apple Podcasts, Spotify, Overcast, Tune In Alexa, Amazon Music, Pandora, TuneIn + Alexa, Stitcher, Jio Saavn and more.  This podcast is sponsored by C2C-OD, your Organizational Development consulting partner ‘Bringing People and Strategy Together'. Follow @c2cod on Twitter, LinkedIn, Instagram, Facebook 

The numbers are staggering. The “magnificent seven” Big Tech companies are expected to have combined capital spending of about $800 billion this year. Data centres' electricity demand is soaring, and hundreds of billions of dollars more are being mobilised to invest in power infrastructure to meet that demand. In this special episode, recorded at the ACORE Finance Forum in New York, host Ed Crooks speaks with five guests at the heart of the revolution in energy finance: bankers, a deal lawyer, a data centre operator and a head of policy. James Wright, Managing Director and Head of US Corporate Banking at CIBC Capital Markets, explains the connection between power, data centres and AI with an analogy borrowed from Nvidia CEO Jensen Huang. Think of AI as a layer cake, with power as the base, data centre infrastructure above it, then hardware, then AI models, and the applications as the icing on top. For banks like CIBC, it is those bottom two layers that matter most. James explains how power developers and data centre builders are increasingly converging. Gas, solar and battery storage are driving the bulk of activity in new power generation, though gas turbine supply chains remain severely stretched. “Powered land” projects, created as sites to attract data centre developers, are a popular idea at the moment. But many of them are highly speculative. James estimates that for every twenty conversations, perhaps a couple result in a financeable transaction. Another hot topic is of behind-the-meter generation and co-located power. James sees it happening, but only at the margin. Grid connections are still the ultimate goal.  Adam Altenhofen, Senior Vice President for Impact Finance at US Bank, brings a different perspective on energy finance. US Bank has deployed more than $33 billion in renewable energy since 2008, primarily through the tax credit programmes for solar, wind and battery storage. The wind and solar tax credits are winding down, but projects that start construction before 4 July this year can still be placed in service through to the end of 2030. The storage tax credit was preserved through to 2036. Behind-the-meter generation, Adam argues, presents a fundamental challenge to the project finance model. If the load disappears, so does the revenue. And unlike for a grid-connected project, there will be no readily available alternative revenue streams to fall back on. Guarantees covering the full duration of the power supply contract are the floor, not the ceiling, for what lenders would need to get comfortable, Adam says.  Mona Dajani, Global Co-Chair of Infrastructure, Energy and Real Estate at the law firm Cooley, sees something structural changing. Hyperscalers are now behaving like utilities, she says. They assess data centre locations based on access to power, reliability and duration of supply. Meanwhile, some utilities are becoming more like infrastructure platforms, building unregulated arms and investing in new technologies to serve growing demand. A cultural gulf used to separate the tech and energy industries. But as they have come to understand their mutual interdependence over the past few years, more constructive collaborations have emerged. Jon Edwards, Executive Vice President and Head of Capital Markets at the data centre developer Switch, offers the operator's perspective. Switch currently consumes roughly one third of Nevada's total power supply and operates at 100% green power. Jon explains how the company decoupled from the utility grid for generation purposes back in 2015, buying its own generation while still using the utility for transmission and distribution, and how that model helped reduce Nevada consumer electricity prices by double digits in 2025. He is another sceptic about behind-the-meter power: it is useful as a bridge in some circumstances, but grid-connected utility power remains the primary and preferred solution for serious, long-duration data centre operations. On the financing side, Jon discusses Switch's recent $2.6 billion letter of credit facility, designed to give utilities the financial certainty they need to invest in new infrastructure, knowing they can be confident the data centre load will be there.  The episode closes with Lesley Hunter, Senior Vice President for Policy at ACORE, who sets the policy backdrop against which all of this activity is playing out. ACORE's latest investor survey makes for sobering reading: 69% of capital providers who replied to the survey said they thought the US industry had in the past year lost attractiveness compared to clean energy sectors in other countries. The same proportion, 69%, expect a further relative decline over the next three years. Lesley identifies two main pain points: the still-unresolved foreign entity of concern rules (FEOC) for tax credit eligibility, and the Department of Defense slow-walking agreements needed for wind development that has held up more than 160 projects. Her message for policy-makers is that regulatory stability is vital. “The core ask of the industry right now is to ensure that players have the rules of the road,” she says. “That those rules won't change mid-stream, and they are able to deploy capital, and trust the federal government when making these long-term investments in US infrastructure.”  Follow the show wherever you're listening so you don't miss an episode. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Angie King went from contractor to VP of UX Design at US Bank in five years — not because she had all the answers, but because she was the person in the room asking the right questions. She's now the content strategy manager at Mayo Clinic, where she's putting the ORCA framework to work on one of the most complex content systems in healthcare.In this episode of The UX Level-Up Podcast, Sophia and Angie get into what it actually looks like when a veteran content strategist finds a framework that finally clicks — and why Angie believes it's not just career-changing, but field-changing. If you've ever felt like the smartest person in a conversation but struggled to explain why something was off, this episode is for you.LINKS:Register for Angie's Button Conference Talk: https://www.buttonevents.com/2026-sessions/object-oriented-ux-a-content-first-approach-to-meaningful-content-designConnect with Angie on LinkedIn: https://www.linkedin.com/in/angieking/Continue the conversation in the OOUX Forum:Connect with Sophia on LinkedIn: https://www.linkedin.com/in/sophiav/Follow Sophia on Instagram: https://www.instagram.com/sophiavux/Check out the OOUX Website: https://ooux.comFollow Sophia on Medium: https://sophiavux.medium.comInterested in training your team on OOUX? Book a call here: https://calendly.com/ooux/opportunityGet on the Cohort 12 waitlist: https://ooux.com/certificationCheck out Zoe: https://ooux.com/zoe

US Bank has published new research and the results may surprise you. Derik Farrar - Head of Everyday Banking and Borrowing at U.S. Bank had the details for Vineeta on the WCCO Morning News.

Send us Fan MailWe got into dentistry to care for patients, but sometimes it can feel like we're working in finance. Dr. Jennifer Bell spoke with Jason Gamble about how US Bank supports dentists so we can do more of what we love. US Bank offers dental practice startup financing with various lending options & no limitations on who can apply. But they don't just stop at start-ups: they stay with you every step of the way to offer financial advice as you scale your practice. Their process is a truly customized experience that aligns with your healthcare goals. ✨Connect with Jason to finance your healthcare practice: https://www.linkedin.com/in/jason-gamble-0b653110/

Most business owners are focused on the day-to-day. The problem is… that mindset is quietly limiting their growth.In this episode of Grow Your Business & Grow Your Wealth, guest host Jack Reeder sits down with Grant Daffin, CPA and founder of Daffin Financial, to talk about what really drives long term success for entrepreneurs.Grant shares his journey from public accounting at EY and internal audit at US Bank to launching his own firm, driven by a desire to build a better culture and deliver more meaningful value to clients. The conversation goes deep into the gaps most business owners do not see until it is too late, including poor financial visibility, lack of internal controls, and waiting far too long to think about tax strategy or exit planning.One of the biggest takeaways is simple but powerful: many business owners are operating without any real financial plan at all. Grant explains why that is one of the most common and costly mistakes he sees, and how investing time and resources into financial planning can dramatically improve outcomes.This episode also covers the difference between bookkeeping, controller services, and fractional CFO support, helping business owners understand when it is time to level up their financial operations.→ Many business owners wait too long to plan for taxes or an exit → Financial statements are often inaccurate without proper oversight → Internal controls are critical once a business begins to scale → Most entrepreneurs are operating without a true financial plan → Investing in planning can unlock significantly more growth potential → AI can support efficiency, but expertise and human insight still matterLearn more about Grant Daffin and Daffin Financial:https://www.daffinfinancial.com/For more information on Guest Host: Jack W. Reeder, CLU®, ChFC®Chartered Financial Consultant978-335-2267

There could be big changes coming to longstanding bank regulations. With earnings season heating up, the discussion over capital rules is back in focus.    Credit Currents is on the ground in Washington, D.C. as the world's top policymakers and regulators attend meetings with the World Bank, International Monetary Fund (IMF) and Institute of International Finance (IIF).    We unpack what looser capital requirements could mean, the implications for credit, and how regulators and the US Federal Reserve are responding.    Host: Chandra Ghosal, Vice President, Senior Credit Officer, Moody's Ratings   Guest: Megan Fox, Associate Managing Director, Financial Institutions Group, Moody's Ratings   Related Research:  Banks – US – Proposed changes to risk-based capital requirements will likely be credit negative 18 March 2026 Banks – US – New philosophy of US banking supervision and regulation is credit negative 23 March 2026 Banks – US – A policy shift on liquidity regulation would have mixed credit implications 13 March 2026 Banking – US – Solid bank results likely in 2026, though sensitive to widening tail risk 16 March 2026 © 2026 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this video. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Seine Karriere ist die vielleicht krasseste Underdog-Geschichte eines Deutschen in der Finanzwelt: Mit 26 Jahren spricht Jörg Ambrosius kein Wort Englisch, heute verantwortet er die Verwahrung eines 54-Billionen-Dollar-Vermögens für eines der wichtigsten Finanzinstitute der Welt: State Street. Über die Infrastruktur der US-Bank werden rund 13 Prozent der weltweiten Wertpapiertransaktionen abgewickelt, viel mehr Systemrelevanz geht kaum. Im OMR Podcast spricht Jörg Ambrosius darüber, was es bedeutet, für die Sicherheit eines Vermögens zu sorgen, das etwa zehn Mal so groß ist wie das BIP von Deutschland. Außerdem verrät er, wie er es von der Ausbildung bei der Volksbank Cochem bis an die Spitze eines US-Giganten geschafft hat, warum Europa regulatorisch den Anschluss verliert und warum er nicht daran glaubt, dass Bitcoin eine Zukunft haben.

Alan sits down with Kirk Dewart of US Bank to pull back the curtain on the world of dental practice finance. With 15 years of experience in the healthcare banking niche, Kirk debunks the myth that individual ownership is dead and discusses why dentistry remains one of the safest bets for lenders. The conversation covers the critical importance of early preparation for buyers, how banks evaluate student debt, and the value of building a local advisory team—including a CPA, attorney, and a banker who understands the dental landscape. Whether you are an associate looking to acquire your first practice or an owner considering a startup, this episode provides a roadmap for navigating the financial side of your career. Some links from the show: U.S. Bank Dental Practice Loans Join the Very Dental Facebook Group using one of these passwords: Timmerman, Paul, Bioclear, Hornbrook, Gary, McWethy, Papa Randy, Frank or Lipscomb!  The Very Dental Podcast network is and will remain free to download. If you'd like to support the shows you love at Very Dental then show a little love to the people that support us! We're proud to be supported by the folks at Net32! I'm a big fan of the Bioclear Method! I think you should give it a try and I've got a great offer to help you get on board! Use the exclusive Very Dental Podcast code VERYDENTAL8TON for 15% OFF your total Bioclear purchase, including Core Anterior and Posterior Four day courses, Black Triangle Certification, and all Bioclear products. Are you a practice owner who feels like the bottleneck in your own business? If you're tired of being the hardest-working person in your office, I've got something you need to hear. Dr. Paul Etchison, is hosting a virtual event that is a total game-changer. Paul is honestly one of the most brilliant minds in dental leadership today, and he's hosting the 3-Day Freedom Practice Workshop from February 19th through the 21st. He's going to show you exactly how to break through that two-million-dollar revenue ceiling while actually compressing your clinical week. It's about building a leadership team that takes ownership so you can finally step into the CEO role you deserve. Head over to DentalPracticeHeroes.com/freedom to grab your spot. And do me a favor—mention the Very Dental podcast when you sign up. It's 100% guaranteed, so you've got nothing to lose but the stress. Crazy Dental has everything you need from cotton rolls to equipment and everything in between and the best prices you'll find anywhere! If you head over to verydentalpodcast.com/crazy and use coupon code "VERYSHIP" you'll get free shipping on your order! Go save yourself some money and support the show all at the same time! The Wonderist Agency is basically a one stop shop for marketing your practice and your brand. From logo redesign to a full service marketing plan, the folks at Wonderist have you covered! Go check them out at verydentalpodcast.com/wonderist! Enova Illumination makes the very best in loupes and headlights, including their new ergonomic angled prism loupes! They also distribute loupe mounted cameras and even the amazing line of Zumax microscopes! If you want to help out the podcast while upping your magnification and headlight game, you need to head over to verydentalpodcast.com/enova to see their whole line of products! CAD-Ray offers the best service on a wide variety of digital scanners, printers, mills and even  their very own browser based design software, Clinux! CAD-Ray has been a huge supporter of the Very Dental Podcast Network and I can tell you that you'll get no better service on everything digital dentistry than the folks from CAD-Ray. Go check them out at verydentalpodcast.com/CADRay!

BREAKING: First US Bank Launches Bitcoin ETF TOMORROW► Bitcoin Well: https://www.nmj1gs2i.com/63CFP/FGXLG/?source_id=podcast► Ledn: https://www.nmj1gs2i.com/63CFP/9B9DM/?source_id=podcastSimply Bitcoin clients get 0.25% off their first loan► Bitkey: https://www.nmj1gs2i.com/63CFP/7XDN2/?source_id=podcastSIMPLY for 20%► SAT123: https://www.nmj1gs2i.com/63CFP/KMKS9/?source_id=podcastUse code SIMPLY for 15% off► Stamp Seed: https://www.nmj1gs2i.com/63CFP/M2GJW/?source_id=podcastPROMO CODE: SIMPLY for a 15% discount► HIVE Digital Technologies: https://www.nmj1gs2i.com/63CFP/6JHXF/?source_id=podcast► Bitcoin Conference Las Vegas: https://2026.b.tc/PROMO CODE: SIMPLY for a 10% discountFOLLOW US► https://twitter.com/SimplyBitcoin► https://twitter.com/bitvolt► https://twitter.com/Optimistfields► Nostr: npub1vzjukpr2vrxqg2m9q3a996gpzx8qktg82vnl9jlxp7a9yawnwxfsqnx9gcJOIN OUR TELEGRAM, GIVE US A MEME TO REVIEW!► https://t.me/SimplyBitcoinTVSUBSCRIBE TO OUR YOUTUBE► https://bit.ly/3QbgqTQSUPPORT US► On-Chain: bc1qpm5j7wsnk46l2ukgpm7w3deesx2mdrzcgun6ms► Lightning: simplybitcoin@walletofsatoshi.com#bitcoin #bitcoinnews #simplybitcoinDISCLAIMER: All views in this episode are our own and DO NOT reflect the views of any of our guests or sponsors.Copyright Disclaimer under section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, education and research. If you are or represent the copyright owner of materials used in this video and have a problem with the use of said material, please contact Simply Bitcoin.

Find out about this new initiative with Michael Lacorazza-Chief Marketing Officer for US Bank, on The WCCO Morning News with Vineeta Sawkar! Photo- Patrick Smith/Getty Images

In this episode, we'll talk about how United credit cards make United miles more valuable, how Southwest discount codes make Southwest points more valuable, and we'll take you on a ride through a classic card show discussing credit card "collectibles".Giant Mailbag(01:34) - Justin: I was annoyed to discover I couldn't change the frequent flyer number on my upcoming award booking from my Atmos number to my AAdvantage number, which would have made me and my girlfriend eligible for Oneworld Emerald perks...Learn more about Alaska not allowing frequent flyer number changes on award tickets hereCard News(05:33) - United cards now unlock better earnings on paid flights, 10%/15% discount on award flights, and more Polaris business class saver awardsRead more about recent United changes here(10:46) - Amex card offersLearn more about The Business Platinum Card® from American Express hereLearn more about the American Express® Business Gold Card here(16:18) - Amazon Business Amex moving to US Bank(17:59) - Southwest cardholder discount codesRead more about Southwest discount codes hereMattress Running the Numbers(20:28) - Hyatt/Under Canvas cardholder promoLearn more about the Hyatt 2K promo here: https://frequentmiler.com/hyatt-promo-earn-2k-bonus-points-per-night-at-under-canvas-properties/Awards, Points, and More(27:32) - National Car Rental's One Two Free Promo ReturnsLearn more about National Car Rental's One Two Free promo here: https://frequentmiler.com/national-car-rentals-one-two-free-promo-returns/(29:27) - Transfer bonusesLearn more about transfer bonuses here: https://frequentmiler.com/current-point-transfer-bonuses/Main Event: Credit Card Collectibles(35:00) - Citi® AAdvantage® Globe has us predicting the next credit card collectibles(35:44) - Find our Coffee Break Ep35 here: https://frequentmiler.com/predicting-the-next-credit-card-collectibles-coffee-break-ep35-12-3-24-podcast/(36:56) - Citi collectibles(53:36) - Chase collectibles(59:54) - Bank Of America(1:01:25) - Capital One(1:06:15) - US Bank(1:14:46) - Almost collectiblesQuestion of the Week(1:28:42) - Do you have suggestions for how to preemptively link loyalty accounts to Chase, Capital One, or Amex without needing to transfer points?Subscribe and FollowVisit 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 – “Ocean Deep” by Annie YoderMentioned in this episode:Check out all of our other travel podcasts from around the worldThis podcast is part of Voyascape, a podcast network that brings together the world's best travel podcasts. You can find all of our podcasts from around the world at Voyascape.com. If you are interested in advertising or sponsored content on any of our shows you can find out more at the link below.Voyascape Podcast NetworkVisit FrequentMiler.com Did you know that Frequent Miller is also a website? At frequentMiller.com, you'll find all the latest deals, news about points, miles, and rewarding credit cards, the single best, Best Credit Cards page on the web, guides to all popular rewards programs, and many other terrific resources. If you'd like to get our posts sent to your email, go to frequentMiller.com/subscribe and sign up for free. https://frequentmiler.com/subscribe/

Another big swing from Wendy Williams Blackshaw and her team at Minnesota Sports and Events. They are submitting a bid to bring the spectacle that has become the NFL Draft, to Minneapolis in 2028. What is the planning process like? Wendy talked with Vineeta Sawkar on The WCCO Morning News

Please join Ralf Preusser in conversation with Ralph Axel, Katie Craig and Ebrahim Poonawala on US banks. The call will take place on Fri 20 March at 10 am ET, 2 pm GMT, 3 pm CET. We will discuss US bank liquidity regulations and the impact on bank behaviour, reserve and UST demand, Fed balance sheet and rates.   You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2026 Bank of America Corporation. All rights reserved.

Jeff from Superior, Dan from Wrenshall, the future of nuclear power in the US, US Bank building data, Randy Rhodes, Caesar Chavez, fraud in MN, and Don from Aitkin...See omnystudio.com/listener for privacy information.

I sat down with Kat from Space and Time to talk about what real institutional adoption actually looks like. While crypto Twitter feels bearish, banks like JP Morgan and Goldman Sachs are hiring entire teams focused on digital assets. Space and Time has already onboarded over 100,000 students in Southeast Asia for verifiable education credentials, shipped a zero-knowledge proof for databases, and is working with major institutions on tokenized assets and compliant stablecoin reward distribution. We dive into AI-powered vibe coding, why surviving the bear market matters more than anything else, and why the next wave of builders will have access to on-chain data like never before. --- CONNECT ---Space and Time: https://spaceandtime.io/https://www.linkedin.com/company/space-and-time-db/https://discord.com/invite/spaceandtimeDBTwitter/X - Space and Time: https://twitter.com/SpaceandTimeDB--- KEY POINTS WITH TIMESTAMPS ---• [00:00:00] Space and Time has onboarded over 100,000 students in Southeast Asia for verifiable education credentials• [00:02:00] Major university partnerships expanding in both Southeast Asia and the US• [00:03:00] Dream Space - AI vibe coding platform allowing non-developers to build apps and smart contracts• [00:04:00] Institutional adoption is the biggest growth area - stablecoin issuers, tokenized assets, major banks• [00:06:00] Despite bearish sentiment on crypto Twitter, institutions like JP Morgan, US Bank, Fidelity, and Goldman Sachs are more bullish than ever• [00:07:00] Banks are hiring entire teams of digital asset specialists, not just single roles• [00:09:00] 98% of stablecoin market is USDT/USDC, but new categories will emerge as adoption expands• [00:11:00] Marketing in crypto changes dramatically between bull and bear markets - focus on real value proposition and real customers• [00:14:00] Space and Time invented a patented zero-knowledge proof specifically for databases, making data computations fast and efficient• [00:18:00] Nearly $2 trillion of institutional capital waiting on the sidelines to enter crypto over next 2-5 yearsDisclaimerNothing mentioned in this podcast is investment advice and please do your own research. It would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend. Be a guest on the podcast or contact us - https://www.web3pod.xyz/

Der Markt für private Unternehmenskredite ist auf zwei Billionen Dollar gewachsen. Jetzt häufen sich dort die Unregelmäßigkeiten – und eine prominente US-Bank warnt vor Risiken.

https://theslyshow.com/2026/03/12/the-sly-show-s22e77/

Join host Adam Larson as he chats with David Frieder, Head of Corporate Payment Systems at US Bank, about his unique journey from college intern to leading payment innovation. David Frieder shares real stories on how banks build new products, why real-time payments are gaining momentum (and where they're not), and the practical challenges of bringing new tech to traditional finance teams. They cover everything from instant payments and AI-driven fraud prevention to what it takes to build trust and lasting relationships between banks and finance professionals. David also gives a behind-the-scenes look at how he leads his team with a focus on joy and purpose. Packed with actionable insights and candid advice, this episode is a must-listen for anyone curious about the future of payments, technology in banking, and how innovation really happens in finance. ___________________________________________________________BILL is a leading financial operations platform for startups to established brands. Headquartered in San Jose, California, we're a trusted partner of leading US financial institutions, accounting firms, and accounting software providers. We empower business owners, CFOs, controllers, and accountants to save time and take control of their payables, receivables, spend, and expense management. For more information, visit bill.com.

Episode Description On this episode of the MTM Travel the miles & points show Mark dives into his real world experiences with the new Bilt cards and Bilt cash. An unexpected promo came, but is it working out? We also discuss: finding cheap Hyatt mattress runs by stacking promos, the overlooked US Bank business card bonuses and how Southwest is tiering their credit card bonuses for the first time! 0:00 Welcome to MTM Travel 0:36 Update on Bilt's new card experience 3:20 Using Bilt Cash & how it all works in reality 7:23 Bilt makes money wuth customer experience expense? 10:10 Southwest launches first tiered card offers 13:53 Southwest's unhappy customers are a thing 15:48 Stacking Hyatt promos - Nights from 1,900 points? 19:45 Hyatt's unique promos & the art of finding mattress runs 21:37 Overlooked US Bank cards - Big money offers 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!

We're living through one of the biggest shifts in the internet since it began: a move from building content for people to building content for machines, on behalf of people. On this week's episode, Jim Stengel is joined by James Cadwallader, Co-Founder and CEO of Profound, and Daniel Shin Un Kang, Head of Organic and Agentic Search at Expedia, for a thoughtful, practical conversation about AI search, answer engines, and what this shift means for the future of marketing.James founded Profound in 2024, raising $60 million and earning recognition from Redpoint Ventures as one of the most promising private AI companies shaping applied artificial intelligence. Today, Profound works with brands like US Bank, Chime, Expedia, and DocuSign to help them navigate the transition from traditional search to a world of answer engines, agents, and AI-led experiences.After building companies and investing in high-growth technology businesses, Daniel moved from the venture world into operating at global scale. He now leads Organic and Agentic Search at Expedia, where he's helping redefine how one of the world's largest travel platforms shows up in AI-powered search and discovery.Together, James and Daniel unpack how brands actually appear inside AI systems like ChatGPT and Gemini, why traditional SEO metrics no longer tell the whole story, and how CMOs should rethink visibility, content, and measurement in an AI-driven world.This episode offers a rare look at AI search from both sides of the table: the platform builder shaping the category and the operator putting it to work inside a performance-driven global brand. If you're a CMO wondering what to focus on now, this conversation is a strong place to start.—This week's episode is brought to you by Deloitte and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode Description On this episode of the MTM Travel miles & points show we dive into some of the better deals and happenings this week. Bilt is back with Rent Day and a great transfer bonus, but there are still some frustrations. Hyatt has a somewhat new 5 free night offer, but is it worth going for over the points? Finally we show you how to grab a massive $1,200 checking bonus that you can fund with a credit card. 0:00 Welcome to MTM Travel 0:32 Hyatt's 5 free night offer - A better alternative? 3:05 Points or certs? How to decide which is better 5:57 Bilt Rent Day - Accor transfer bonus & frustrations 9:18 Mr. Beast joins Bilt - Free rent & more goodies 11:58 Amex Business Platinum airline credit kerfuffle 15:27 US Bank's crazy $1200 business checking bonus 16:40 How to fund your crazy bank bonus with a credit card 18:05 Easy $200 savings offer + fund with credit card 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!

In this episode of the Investing in Integrity podcast, Ross Overline, CEO and Co-founder of Scholars of Finance, welcomes Stephen Philipson, Vice Chair and Head of Wealth, Corporate, Commercial, and Institutional Banking at U.S. Bank, America's fifth-largest bank, to unpack how principled leadership shapes modern finance. Stephen shares how embracing calculated risk, most notably during the 2009 crisis, can accelerate long-term growth when paired with disciplined downside assessment. He explains U.S. Bank's interconnected approach to banking, where unified business lines strengthen client relationships and operational resilience. The conversation also explores why authenticity, transparency, and ethical clarity remain essential traits for leaders navigating rapid technological change. From AI's role in enhancing, not replacing, client service to impact finance opportunities, Stephen offers a blueprint for building durable institutions grounded in purpose and integrity.Meet Stephen PhilipsonStephen Philipson is a vice chair and head of Wealth, Corporate, Commercial and Institutional Banking (WCIB). He has been with the organization since 2009. WCIB comprises several businesses, including Asset Management and Institutional Services, Commercial Real Estate, Equipment Finance, Global Capital Markets, Global Corporate Trust, Global Fund Services, Institutional Client Group, U.S. Bancorp Impact Finance, and Wealth Management. Prior to becoming head of WCIB in 2024 and adding oversight of U.S. Bancorp Impact Finance to his responsibilities in 2025, Philipson led the Global Markets and Specialized Finance group within WCIB. Philipson has more than 20 years of financial services experience. His past roles include working at Morgan Stanley in Global Capital Markets and then Fixed Income Trading, and at Wachovia, where he was director of the Financial Institutions Syndicate. Philipson chairs the board of governors of Isidore Newman School and serves on the boards of directors of the Foundation for the Charlotte Jewish Community. He serves on the board of directors of the Securities Industry and Financial Markets Association (SIFMA). He earned a bachelor's degree with a double major in economics and East Asian studies from Washington and Lee UniversityEpisode Timeline• 00:00 Intro• 04:40 From New Orleans to Wall Street: Stephen's Early Finance Journey• 15:51 Joining US Bank During the 2009 Financial Crisis• 18:26 Building a $670B Balance Sheet: Growth Strategies Across Diverse Businesses• 22:24 Leading 16 Leaders: Management Committee Dynamics at US Bank• 25:53 Innovation Without Recklessness: Balancing Safety and Evolution• 28:21 AI as a Productivity Multiplier, Not a Job Eliminator• 34:21 Impact Finance: Profitability and Purpose Working Together• 37:08 Leadership Through Authenticity and Radical Transparency• 39:12 Creating Unified Culture Across Capital Markets, Trust, and Real Estate• 41:41 The Three Non-Negotiables for Next-Generation Finance Leaders• 44:08 Rapidfire Round

In this final episode of The Found Podcast's Ages & Stages Series, I sit down with Nancy Lynk — Senior Vice President of Commercial Banking at US Bank, community leader, mentor, and lifelong learner — for a conversation that spans generations of leadership, resilience, and self-discovery. From growing up on a Century Farm in rural Iowa to navigating the 1980s farm crisis as a young ag lender to leading complex commercial banking portfolios to now guiding others through career and life transitions, Nancy's story is a masterclass in listening deeply, honoring your values, and becoming fearless with your own growth. Together, Nancy and I explore: • Building confidence before the world gives you permission • Lessons from the 1980s farm crisis and the power of human potential • Career pivots that shape long-term leadership • Why reflection, journaling, and contemplative practice matter • Letting go of chronic busyness to invest in yourself • Becoming the mentor you once needed • And the truth Nancy discovered: she was the only thing holding herself back This episode is an invitation to pause, listen inward, and ask: Where am I ready to stop standing in my own way? Listen now to the full episode of The Found Podcast with Molly Knuth and guest Nancy Lynk. Connect with Us Get in touch with Nancy on LinkedIn  Follow Molly on Instagram

Patrick Talty is the President of Indiana Sports Corp   Listen to Circle City Success Podcast episode 225, where you'll hear Patrick tell us about...   ● How he got his start in the venue management space and a move to Phoenix to open a new stadium eventually landed him an opportunity in Abu Dhabi ● That hosting the NCAA Men's Final Four while GM at US Bank stadium put him in conversations with the NCAA, and how those conversations afforded him the chance to move back to Indy to take a position with Indiana Sports Corp ● The Indiana Sports Corp was the nations's first sports commision, how they partner with other local Indy organizations to bring the biggest events to the city, and the 2050 vision which includes the 25 year sports strategy built on 5 pillars: sports events, sports tech, sports academia, sports business and leadership, and women's sports     Circle City Success Podcast Sponsors

Does “Buy Term and Invest the Difference” Really Work? Episode 368 – “Buy term and invest the difference” sounds like a great idea on paper. But does it actually work? More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 368 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: does “buy term and invest the difference” really work? For those who are unfamiliar, there are two basic types of life insurance: term and permanent. Term life insurance is pretty basic: you make a simple payment in exchange for a death benefit. The good news is you pay a specific premium for a specific number of years, say 20. Your premium purchases the specific death benefit you need, say $1 million. That's it. There is no cash value, however Return of Premium options may exist, which would likely increase the premium. The bad news is that you must die to collect the death benefit for the benefit of your heirs. The premium can be relatively inexpensive. For example if you're 30 years old and in good health, you might only pay $600 or so per year for your coverage under a 20-year term policy. If you survive the year, you typically pay the same amount the following year and each year thereafter until the 20-year term is complete. But the problem with term insurance is that it only covers you for the period you've chosen. What happens at the end of the 20 year period? You may need to start over, except now you're 50 years old, and the cost to insure your life will be much higher, say somewhere around $2,300 per year. And this assumes that 20 years later, your health is still good enough to qualify for coverage, and at the most economical rates. On the other hand, various types of permanent life insurance exist, are generally more complex, and involve higher initial premiums. In the case of our 30-year old, the premiums may be three-to-four times the cost of term, or more. But if structured properly and premiums are paid on time, these types of policies can provide lifetime coverage, not just for a period of years. They also can potentially provide a cash value, which is the amount you would receive if you surrendered the policy for cash. You might also be able to borrow against, or withdraw some of the cash value later on. But some people are scared off by high permanent life insurance premiums compared to term. The difference is that permanent life insurance is designed to cover you for your entire life, not just a specific term. So, what do you do if you don't want to—or can't afford to—pay that much? Keep in mind that there are numerous ways to structure a permanent policy, and some of those can be considerably more affordable than others. There's also an old adage in the insurance industry that you may have heard: “buy term and invest the difference.” In other words, you could buy the term policy, figure out what the premium difference is between the term and permanent policies, and invest that amount in some other place, like the stock market. The theory goes that if you're disciplined and invest well, you'll be better off in the long run. But does it actually work? The concept seems to make sense. You buy a term policy to cover your insurance needs temporarily and invest the difference in premium into a diversified portfolio. By the time your term policy expires, your new account may have accumulated enough money that you can now, essentially, self-insure for your permanent life insurance needs. The theory may work on paper, especially when you consider that so many of your liabilities, such as your home mortgage or a future college education for your child, are expected to be paid off in the future. But it's not that simple. For one thing, you must commit to investing the difference every year. More on that in a minute. In addition it's important to consider any tax advantages that permanent life insurance may offer. We spoke earlier about the cash value that a permanent policy can provide. That cash value typically grows on a tax-deferred basis. And if you structure the policy properly, cash withdrawals and loans may also receive favorable tax treatment. Then there's the so-called “sequence of returns” risk. It's a concept that many people—including some well-known-financial pundits—fail to consider. Sequence of returns risk is normally thought of in the context of retirement planning. It's the issue faced when there is a market downturn late in your working years or early in your retirement years. When this happens, it could have a much bigger impact on your planned retirement income, simply because you don't have the time you need to recover.[1] And it applies equally to “buy term and invest the difference.” Permanent life insurance, paired with another option such as guaranteed income from an annuity, can help protect against sequence of returns risk.[2] But perhaps most importantly, and we touched on this briefly a minute ago, “buy term and invest the difference” requires consistency and discipline over many years. Needs change significantly over time. The real world can be expected to throw a curve at you from time to time and even one missed investment can adversely affect the process. For example, what happens if you have a major medical emergency or other adverse financial development during one of those interim years? For many, the tendency is to skip your planned investments when money is tight, or the market is down. The entire “buy term and invest the difference” plan could crumble as a result. Is that worth the risk? Are there times when it makes sense? Absolutely. But remember that term insurance is designed for a temporary need. The simple truth is that permanent coverage can work better when the need is permanent. Confused as to which options are the best for you? A Security Mutual Life insurance agent can help. Your trusted life insurance agent will discuss and assess your needs and objectives, coordinating with you, your attorney and tax professional to review your situation and to determine the insurance plan that will best suit your needs and objectives. [1] U.S. Bank. “How sequence of returns risk can impact when to retire.” USBank.com. https://www.usbank.com/retirement-planning/financial-perspectives/sequence-of-returns-risk-impact-when-to-retire.html (accessed January 7, 2026). [2] Garcia, Gonzalo. “Why “Buy Term and Invest the Difference” No Longer Holds Up.” Linkedin.com. https://www.linkedin.com/pulse/why-buy-term-invest-difference-longer-holds-up-gonzalo-m-garcia-clu-fuwhe/ (accessed January 7, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraBlubrryby EmailTuneInDeezerRSSMore Subscribe Options

Prashant Mehrotra, Chief AI Officer at US Bank, discusses how the bank evaluates AI initiatives and scales projects from pilot to production. He explains how to build customer trust through responsible AI design and prepare for the future of autonomous banking in CXOTalk episode 906. This conversation covers key aspects of AI in business and AI implementation within a large banking institution.=======Please support our sponsor Emeritus: Explore executive education programs from Emeritus, in collaboration with top universities: https://cxotalk.partner.emeritus.org/=======Key topics discussed:→ Why AI should transform processes, not simply make them more efficient→ How U.S. Bank cut governance approval times in half by engaging risk partners early→ The critical role of baselines in determining whether AI pilots scale or fail→ Why "AI without data is a hallucination" and how the bank organizes Digital, Data, and AI under one leader→ Building AI literacy across the entire workforce, from executives to frontline associates→ The shift from building models to leveraging external foundation models at scale→ Balancing personalization with privacy in customer interactionsMehrotra emphasizes that the client remains the "North Star" for every AI initiative. He offers practical guidance on metrics, funding pilots through to production, and creating repeatable governance processes that accelerate rather than slow down AI deployment.

If you have to pick, which elite status would you prefer, American or Alaska? How does this new edit credit work? We answered these and many other questions on the Ask Us Anything hosted live on January 7th of 2026.(03:34) - ​​Curious to hear what 'coupons/credits' you just let go of, without redeeming by 12/31. I didn't use my first The Edit credit and can't stop feeling guilty.(05:48) - How does this new edit credit work, because there are so many different answers...?You can see a map of The Edit by Chase Travel℠ properties here:(10:05) - ​​What do you think about the Apple Card takeover by Chase?See Greg's old post about the Apple Card here(12:48) - Have any of you proactively lowered the credit limit on a card?(17:17) - ​Do you think that the Bilt leak is real or fake? There are 3 different leaks right nowFind coffee break episode 86 about Bilt leaks here(18:44) - ​​I started with Chase (I'm newer to points), but I'm curious what you all think are the best uses of each of the ecosystems and/or what you personally use them for?Learn more about Citi transfer partners here(23:05) - ​​Last October, I booked a stay at the Hyatt Regency Rome for mid-April 2026, not realizing it was a new hotel. The website now shows reservations starting May 1, 2026, with no availability in April. ​​I'm concerned about whether my reservation will be honored. If the hotel isn't ready, will Hyatt relocate me, and how soon would I be notified? I've booked a backup hotel, but would appreciate any tips(25:25) - Do the miles and points conventions mention things that aren't normally discussed in free podcasts like yours?(26:53) - ​​Alaska miles redemption for Europe often entails BA metal that has high fees. Any tips on European redemptions? Or are Alaska miles mainly for AA or Asian partner awards?(35:22) - ​​Does that PLAT airline credit still work for United Travel Bank this year?See our "Amex airline reimbursement fees...what still works?" post here(36:53) - ​​Venture X travel credit is a discount rather than a credit. If I have two bookings and have to cancel the one booked with the discount, can I retroactively have them lower the second booking?(37:25) - ​​What is everyone's US Bank strategy? I cashed mine out at 1.5x(42:00) - If you have to pick, which elite status would you prefer, American or Alaska?Find our podcast episode about American vs Alaska here(48:01) - Find coffee break episode 86 about Bilt leaks here(48:24) - Tim - In what cases is it worthwhile to keep both Atmos cards (Summit and Ascent)(54:10) - ​​For 2026, any new programs you're prioritizing for earning or status? E.g. Citi to PHR, Atmos, etc?Visit https://frequentmiler.com/subscribe/ to get updated on in-depth...

The backbone of the economy is feeling both confident and squeezed, and we wanted to get specific about what actually helps. In this episode I sit down with Shruti Patel, Chief Product Officer for Business Banking at U.S. Bank, to unpack fresh small business data and the concrete tools that turn payments into faster cash, lighter admin, and clearer decisions.We start with the Small Business Perspective survey: high optimism paired with pressure from inflation, tariffs, and supply chain uncertainty. Shruti explains why access to working capital and lower operating costs remain top priorities, and how owners are already using AI to sharpen marketing, streamline service, and simplify back office tasks. From there, we dig into U.S. Bank's strategy shift from methods of payment to jobs to be done - bundling what matters so owners can open, accept, pay, and reconcile without the swivel-chair fatigue.You'll hear how Business Essentials merges a no-fee operating account with Elavon acquiring, a free mobile reader, and same-day funds to ease cash flow. We explore Cashflow Central for bill pay across card, ACH, and e-check, plus embedded payroll via Gusto that replaces separate subscriptions many owners used to carry. Shruti also walks through spend management tied to small business cards, giving real-time controls and visibility. Looking ahead, we separate signal from noise on stablecoins, tokenized deposits, and agentic commerce, and we map where AI will make an impact in 2026 - faster underwriting, smarter support, and fewer steps for the jobs that happen every day.If you run a small business or build for them, this conversation lays out a practical blueprint: consolidate workflows, shorten time to cash, and adopt AI where it saves hours, not just headlines. 

We have Mike Monaghan on the show today and covering the “Birth of an ETF.” He’s going to talk about the Founders ETF and its new launch. We’re also going to talk a little bit about what it takes to get an ETF up and running. From a compliance perspective, remember, there’s no guarantee of future performance. https://youtu.be/o-m3PYHKXqk?si=qBaHkJpUt7xgdpjG Transcript of “The Birth of an ETF” 00:00 The Founders ETF Frazer Rice (00:00.986)Welcome back, Mike. Michael Monaghan (00:02.616)Frazer, it’s great to be back. Frazer Rice (00:04.4)You are at an interesting point in time right now. You’re about to start up Founders ETF and I think you’re about to get trading authorization to get going. Maybe tell us a little bit about the process to set up an ETF. Then we’ll dive into the strategy a little bit. Michael (00:21.25)Yeah, absolutely right. We should start trading on the SIBO Thursday, so two days from now. And we’ve launched our first fund, the Founders 100, that owns the 100 best founder-led companies. I’d be happy to go through some of the process that it takes to set up an ETF. Frazer Rice (00:40.014)Love it. ETFs are the main way to go now in terms of getting an inveestment cvhicle up and running. What has your experience been around? The Popularity of the ETF Structure Michael (00:52.014)Yeah, so ETFs have become the primary investment vehicle for a few reasons. Let’s outline those reasons. Then we can go through some of the steps that it takes to set up an ETF. So on the advantage side of an ETF, they’re typically a bit lower cost than traditional mutual fund products. Importantly, they’re tax advantaged. So there’s no gains or losses that occur during the normal ETF growth phase. Everything that happens within the ETF is done with what’s called an authorized participant. So you do exchanges. And so there’s no capital gains that are assigned to the investors. As long as they hold the ETF, a tax trigger only occurs when they actually sell the ETF. Finally, it’s a great way to get exposure to the market. So whether you want to own a broad market index, one of the legacy indexes, or a vehicle like ours. That gives you in one single trade, rather than having to guess who’s going to win. Is Nvidia going to win or Palantir who’s going to win? You can own a hundred of the best winners in the market in one single stock ticker. In our case, FFF. Frazer Rice (02:07.364)So let’s dive into that theme a little bit. As you said, it’s the top hundred founder led companies. First and foremost, public I assume, private, you’re not diving in those waters. Public vs Private Michael (02:20.59)Correct. So these are the hundred best publicly traded founder led stocks. And we generally fish from the 200 largest founder led publicly traded stocks. So a lot of these are names and founders that are very well recognized. Whether it’s Elon at Tesla or a Mark at Metta, Larry at Oracle, Rich Fairbanks at Capital One. These are all very well known founders. They’re great entrepreneurs who are leading highly scalable, very high performing publicly traded stocks. 02:53 Understanding Founder-Led Companies Frazer Rice (02:53.914)So let’s define founder a little bit. Obviously we have sort of the cult of personality around high-end CEOs. It sounds like you’re identifying companies that have been founded. The people who are running them not only founded them, but they scaled them. They have now gotten them to a level of maturity. That’s different from the typical public company that we find in the S &P 500. Definition of Founder Michael (03:19.104)Yeah. So first let’s define a founder. Then let’s talk about why we think the founder led companies outperform a traditional S&P company. We define the founder as being a chief executive leader. It could be chief executive officer, could be chief technology officer. Sometimes that say a scientific or medical company, would be the chief scientific or chief medical officer. And that person conceived and founded the company, took it from zero to one. It’s their imprint that has guided it over its 10 or 20 or 30 year period. That’s taken it from a small private company to a venture backed company to a large publicly traded company. And so the idea being the person that founded it continues to run it to this day. We talk about the fact that we own an Nvidia that Jensen still runs. But we don’t own Intel. We own Meta because Mark still runs it, but we don’t own Google. We own Dell computer because Michael Dell still runs it. But we don’t own Apple. We own Capital One because Rich Fairbank still runs it, but we don’t own American Express. Investment Process Frazer Rice (04:25.86)Got it. So lots of things to get into here. How does it a company get on your radar screen? And then ultimately, how does it get off of it? Michael (04:35.806)Great question. the getting on the screen is fairly mechanical. We look at the 200 largest by market capitalization founder led stocks. So we look at all U.S. listed. So it could be listed on the New York Stock Exchange or NASDAQ, but it has to be U.S. listed. We then look at the 200 largest. And from there, we select the 100 best using a quantitative factor model. So I’m have a Sanford Bernstein background and so do some of the folks here. And so for folks who are familiar with Bernstein’s research, we use a Bernstein factor model to pick the best, the hundred best names out of the 200 largest. That’s how they get on our radar. And to get off is quite simple if they retire. So if a CEO announces he’s retiring, per the prospectus, we have 90 days to sell the stock. once we, so for example, Mr. Buffett recently stepped down from Berkshire Hathaway. And so we sell Berkshire Hathaway on his announcement and no longer own the stock. Frazer Rice (05:38.0)things like corporate mergers or divestitures or maybe even a reclassification of stock where the founder stays on in some capacity but their decision making has been reduced. How do you analyze that? 05:54 The Investment Strategy Behind the ETF Michael (05:54.326)Yeah, so there is some human overlay judgment calls here and the founder has to be an executive officer leading the company. So they can’t just run a division. They can’t just be chairman of the board. They have to be the executive in charge of running the company. Frazer Rice (06:14.0)And if for, I guess one of the exits possibly would be if, and I don’t know if this is even possible, but if NVIDIA were to take over Meta and there isn’t room for Jensen and Mark in the same suite, how do you analyze something like that? Michael (06:34.253)So in the business combinations where you have two founder-led companies or a non-founder-led company swallowed up by a founder-led company, as long as an original founder remains, it remains in the portfolio. So we’ve had some stocks that had, say, three to four co-founders. And as long as one of those co-founder remains, it remains in the portfolio. Voting Shares Frazer Rice (06:58.352)So one of the things that’s a bee in my bonnet is the concept of having shares where, in a sense, they’re super majority or voting components and then shareholders that have less decision making authority to act as a check and balance around the company. Is that something you’re not really that worried about or is it something that may be a factor that’s important later on? Michael (07:24.525)So we actually think that’s one of the opportunities that this exists. Like one of the things that we haven’t talked about yet is why is all this alpha there? Why is this uncaptured alpha there for us to go get? And we think historically in the past, active money managers have sometimes shied away from these founder led companies because to your point, Frazier, oftentimes the founder has managed to have super voting control, 10 to one shares, 101 shares. So they completely control the company. And some of these larger active money management complexes have said, well, we as the shareholder, we need to be able to have a vote and we’re going to underown these stocks. We have the opposite view. We think these founders are special. So we think that by the time a Mark or a Elon has driven their company into the public markets, they’ve showed that they know how to set the vision, ruthlessly execute and generate value for the shareholders. Concerns? And so we’re not concerned by super voting structures. Oftentimes those are the stocks that we want to own because it’s the founder that’s in control and setting the direction of the business and generating high returns for the shareholders. We view it as you either believe in them and you own the stock or you don’t believe in them and sell the stock. We’re not interested in other people’s getting on the board and monkeying with the decisions of the founders. Frazer Rice (08:30.255)Is this it? What is it about the founders, especially for those that go from zero to one, then to scale, and then to shepherding a mature business? What makes them better and what drives the alpha that you’re trying to seek? In terms of putting together a portfolio of these types of companies? 09:01 The Importance of Founders in Business Michael (09:02.891)Yeah, so the great ones tend to be a bit irreverent. They tend to be highly visionary. They tend to be charismatic communicators and relentless in their execution ability. They’ve got a great ability to pivot if a change needs to be made. And rthe moral authority to set a tone to generate very high rates of return. We see it sort of over and over and over in these founder led companies. And if you look at some of the studies that we’ve done. There’s a study that Bain Capital, Bain had done years ago in combination with Harvard Business Review, founder led companies tend to outperform non-founder led companies in say the S &P 500 by 3X. So it’s this personality type of high vision and high execution tends to drive outsize returns. And it’s a bit of a self-selecting process. What makes Founders Unique? If you think about it by the time any of these founders that we own or talk about have got to the public market. They first had to identify an opportunity to go after. They had to develop a great product by listening to their customers. And they’ve shown that they can scale all the way from a series A round, B, C, D, all the way investing and generating high rates of return in the private markets. Transitions of Founders to Executives They get to the public markets, continue to do that. And now you get a little bit of an effect of a echo of that, of now all of sudden you’re in the public markets. If you get enough scale, you have this highly effective business. Now you’re getting relatively cheap capital that you’re feeding into your business through the public markets. And now you continue to grow. Frazer Rice (10:42.096)Just to summarize at least what I’m hearing is that they’ve gotten to the point of becoming public. They’ve been able to say no to losing control in exchange for either putting some liquidity back in their pocket or otherwise moving on. And so they’ve almost ratified their vision and message and they keep going. And by the fact that they’re public, there’s enough liquidity for everyone else out there in terms of their investments. So it ends up being a win-win. Michael (11:11.157)I think so. That’s what we see. Frazer Rice (11:13.316)So one thing that I’ve been sort of reading about and thinking about is the concept that the number of public companies is becoming less, well, it’s decreasing, and that many people are able to stay private for longer. Do you worry that your universe is going to get too small to provide sort of a canvas for your ideas here? 12:02 Market Trends and Future Outlook Michael (11:37.549)Let’s talk about three phases of that. We don’t, we actually see the data showing that there’s more and more opportunities within founder led. So let’s look at history and then let’s move to the future. So historically, probably about the time you and I joined the securities business, they would actually take the, to your point, they would take the founder, they would kick out this charismatic founder. They would put in some mid-level proctor or GE middle level manager to be the you know, the suit in the room to take the company public. And that was sort of in the late nineties and people figured out that wasn’t such a good idea. So if you actually look at the chart, there’s more and more founders staying and leading their public, their, their publicly traded companies. That’s number one. Number two. Yes. We have seen some companies stay private, obviously Stripe, SpaceX, but we are now seeing, for example, SpaceX coming to the public markets. Eli is talking about coming next year. so we, we haven’t seen it so far impact the pool with which we can fish in. And as I mentioned, that’s what we saw historically. Public Markets and the Future In the future, think, Frazer, I think we’re going to start to see a conversion of public and private markets, meaning these private mega cap companies have liquidity. And I think that you’ll see more and more ability to trade those stocks almost in public liquidity. So I think these two markets are converging. So I think that Not only do we have plenty of founders in the traditional public markets, I think that the liquidity and the big privates is going to converge to a public market style shortly anyway. Frazer Rice (13:13.232)You’re in a curious time as far as launching an ETF around this concept. I know a lot of people are wary of Mag-7 and ultra valuations and issues related to that. How do you respond to that concept that a lot of the growth has taken place in seven, maybe seven out of the hundred that you’ve chosen? Debunking the Mag-7 (to the Mag-3) Michael (13:33.356)Yeah, so that’s a misconception. We see Mike Saylor get on TV and wave his arms around it, but it’s not really true. First of all, what’s interesting, if you tear apart the Mag-7, it’s actually the Mag-3. The outperformance in the Mag-7 has come from Meta, Tesla, and NVIDIA. So it’s not just the Mag-7, it’s a founder led. And now you say, well, that’s a small sample set. Let’s look at a bigger sample set. So if you look at the NASDAQ 100, for example, It’s actually the 20 founder led companies have driven most of the outperformance over the last 25 years. And what I’m about to tell you about the S &P 500 probably won’t surprise you. It’s the 37 founder led companies that have driven most of the outperforming the S &P 500. So the outperformance is coming from founders, not from any specific part of the market. And one of the things that we think is great about this ETF is to avoid concentration. 14:50 Risk Management I know you’re really familiar with the concept of active share and that’s how different you are than the S &P 500. We have an 85 % active share to the S &P 500. So if you own the founders 100 ETF, you have much different exposure to the market than say the S &P 500. And so we think it helps reduce some of that concentration. We’ve done some things to make sure that we are diversified. First of all, we do own 100 stocks. Diversification So really good diversification across that. And then number two, while we run a market weight portfolio, we cap. No stock can be bigger than 7 % of the portfolio, so we don’t get out of balance at any point. So we think that we mitigate some of those concentration risks and we allow people to invest in innovation without being over concentrated to any one name, say the MAG-7, for example. So we think that we’re giving our investors really good exposure to innovation through the founders, but not exposing them to pre-existing market concentrations. And then finally remind everyone It’s not the MAG-7, it’s not the NASDAQ-100, it’s not the S &P-500, it’s the founders within each of these are what are driving the outsized performance in those analytical groups. Frazer Rice (15:36.218)So from a diversification standpoint, obviously not everything in one name, the 7 % cap you described, do you have sector concentration guidelines as well? Michael (15:45.749)We don’t have sector concentration guidelines, but if you look at the nature of the portfolio, we were fairly well diversified. We’re slightly overweight tech and financials versus say the S &P, but we own healthcare stocks, own consumer stocks, we own energy stocks. So we’re giving you a broad exposure to the market. Leverage Frazer Rice (16:05.924)Let’s talk about leverage for a second. I know a lot of people are trying to juice returns by piggybacking off of other people’s money on that front. Does that have a place in your ETF? Michael (16:17.004)So there’s no leverage in the ETF. We sort of believe in get rich the slow way. I like to tell people that it’s very hard to make money in the stock market over the short term, but it’s not particularly difficult over the very long term. think Mr. Munger and Mr. Buffett used to talk about this. the idea being, leverage can impact you in times that are not favorable. So we believe in just owning the stocks unlevered, let them compound over very long periods of time. And we think that by doing that, we and our shareholder, we think our shareholders can generate wealth over very long periods of time. Taxes Frazer Rice (16:54.98)So tax efficiency, the concept of holding period, does that play into your process at all? Michael (17:04.316)So remember within the ETF, as long as you’re managing your trading properly within the ETF, there’s no tax implications inside of it for your shareholders. Your shareholders only would be impacted at selling. So assuming they hold the stocks for over a year, any gains would be long-term capital gains treatment. Frazer Rice (17:27.024)And when you’re describing the investor profile that you’re looking to attract here, who is this for? Michael (17:35.916)Yeah, so the person that, you we really think it’s appropriate for you if you have a five year or more holding period and you want to have long-term capital appreciation. You know, if your goal is to be exposed to the best minds and public securities, that’s the founder led companies, and you want to compound your wealth over a very long period of time and have a high probability of outperforming the traditional broad market indexes, this ETF is designed for you. 17:59 Investor Profile and ETF Positioning Frazer Rice (18:04.705)And as you’re sort of outlining that profile and for those people who are trying to figure out where this fits in from an equity allocation perspective, you’re in charge in many ways of the spoke of a hub and spoke component of people are really sort of looking at indexes as the base of their equity portfolio. What are you looking for? What kind of benchmarks do you sort of measure yourself against? Michael (18:35.007)Yeah, so we think this is absolutely a core holding. So if you’re looking to build out you or your client’s portfolio, we think this should sit at the core. It is on the growth side, so it’s core growth. We think that it is a one-for-one replacement for, the NASDAQ 100. Or, for example, somebody holding the triple Qs. We think this is a better holding than the triple Qs. So we benchmark ourselves against them and against the S &P 500. Ee look at beating those two broad market indexes, generating better risk return for our investors. Frazer Rice (19:13.019)For those listeners that are out there and want to find out more, what’s the best way that they can either get a hold of you or maybe even better, do you have a ticker symbol ready that people can discover? FFF and Contact Information Michael (19:25.215)Yeah, absolutely. So the ticker is FFF. So that’s the FFF ETF that we’ll trade on. And investors can find that at their favorite brokerage firm, whether they’re Schwab customers, Interactive Brokers customers, Fidelity customers, trades under one ticker, just like a stock. Frazer Rice (19:44.365)And let’s take, we have a few minutes to go here, which is great. Your experience in terms of establishing the ETF, maybe a couple of some of the touch points when you went from vision to execution here, what was the process? Michael (20:00.106)Yeah, so ETF has a few basic processes that are regulated under the 1940 Securities Act. And so a lot of those rules are set up to protect the end investors. So for example, the securities live within a trust. So we set up our own trust. Some people use a mingled trust. We thought it was better for our end investors to have our own trust that we set up that has an independent trust board that oversees to make sure that we’re executing our strategies as we’ve outlined in the prospectus to make sure that we’re Doing the best we can for our investors. You’ve got to set that up There’s a few firms that do the plumbing for the for the ETFs would say US Bank is probably the largest player. So US Bank provides our our fund custody and fund administration and then there’s just a few other vendors in the space that sort of help with all the plumbing to make sure that the ETF runs smoothly. So it’s probably a six month process if you stay really focused to get all of that set up. 20:58 Navigating the ETF Launch Process Frazer Rice (21:03.313)You get that set up, how do you approach the Schwabs and the Fidelitys and the other platforms to make sure that people can access, buy, sell, whatever they want to do with your ETF? Michael (21:14.347)Yeah, that’s a great question. So the online brokerages typically put you on the platform as soon as you’re listed on a major US exchange. So you’ve got to get listed on NASDAQ, NYSE or CIBO. We chose CIBO. So again, on the traditional online brokers, you’re there day one. And then the big wire houses, JP Morgan, Goldman, Morgan Stanley, BAML, they typically have a few hurdles that you’ve got to get through, whether it’s daily trading liquidity assets under management. And over time, as you run the wickets through their process, you’re added to those platforms. Macro Issues? Frazer Rice (21:48.721)We live in a political age and a time when there’s just chaos everywhere, different types of rules in order to allocate capital. If you’re an investor trying to guess what’s happening politically, et cetera, that are difficult, you must be positive as far as the environment for founders to find success in this country and beyond. Is there anything that you’re looking for to make sure that those conditions hold? Michael (22:18.225)Yeah, we don’t really look at the macro or political backgrounds. think over very long periods of time, U.S. innovation outperforms. so we sort of we think that, again, one of the great things with investing in founders is they keep adapting as the background changes behind them. So we think over very long periods of time, the U.S. has great economic growth. And for those people that have worried about little blips along the way, we think the founders are the absolute best at mitigating those blips. Frazer Rice (22:48.334)I like to say you bet against America at your own peril and it sounds like from a founder perspective it’s still a great place for them to locate their businesses and grow them here. Michael (23:01.042)Absolutely. 23:50 Final Thoughts and Contact Information Frazer Rice (23:02.971)Just to reiterate, FFF is the ticker symbol for people to find it. any other contact points for people to find you if they’re interested in what you’re putting together. Michael (23:15.613)Yeah, so we have a great website at FounderETFs.com. can go check out there or anyone’s happy to email me, just michael at FounderETFs.com. Happy to chat with anyone who has interest about the portfolio, the strategy, or what we’re building. Frazer Rice (23:32.197)Well, great to have you back on, Mike. Thank you for putting up with my attempt at looking like Steve Jobs. It’s 25 degrees in New York here, and I am the stupid one who’s not in California or somewhere warm. appreciate you taking the time to be on and talking about your new product. Michael (23:48.011)Yeah, it was great to be on here. Really a huge fan of your podcast and just the level of guests that you’re able to interview and help educate your viewers. Frazer Rice (23:56.849)Mike, thanks for being on. Michael (23:59.061)Thanks a lot, Frazer. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Previously with Mike Monaghan ETF EDUCATION ARTICLES ON ETF.COM

Voilà 100 jours que Sidi Ould Tah a pris la tête de la Banque africaine de développement (BAD). Et, le banquier mauritanien affiche déjà une action positive pour ses trois premiers mois : la levée mardi 16 décembre de 11 milliards de dollars pour le Fonds africain de développement. Une hausse de 23 % par rapport à la précédente session des donateurs. Et, ce, malgré la baisse drastique des enveloppes d'aide au développement cette année. Le président de la BAD explique ses ambitions pour l'Afrique dans un environnement financier en recomposition. Il répond à Sidy Yansané   RFI : M. le président Sidi Ould Tah, vous êtes à Londres pour la réunion des donateurs du Fonds africain de développement, le FAD, qui est, pour le dire simplement, une cagnotte réservée au financement de projets dans les pays africains les plus pauvres. Et cette semaine, le FAD a recueilli 11 milliards de dollars. Un montant que vous qualifiez d'historique.   Sidi Ould Tah : Absolument ! Nous sommes pour l'élan de solidarité historique que nous venons de connaître, qui devrait nous permettre, au cours des trois prochaines années, de mieux répondre aux attentes des populations africaines, en particulier les 37 pays les plus fragiles et les moins dotés de l'Afrique. Du coup, cette année, qui sont les principaux contributeurs ? Malgré le contexte international que nous connaissons tous et qui se caractérise par des pressions fiscales importantes et aussi des pressions sur les ressources, les partenaires du FAD et les pays africains ont décidé ensemble d'augmenter leur enveloppe dans cette 17ᵉ reconstitution du Fonds. C'est un message très fort de solidarité avec l'Afrique et pour l'Afrique. Et aussi un message très fort des Africains pour la prise en charge de leur propre développement. Justement, vous vous félicitez de l'engagement de l'Afrique dans son propre fonds. 23 pays du continent qui ont contribué à près de 183 millions de dollars. Une véritable transformation, vous dites. Mais finalement, 183 millions sur un total de 11 milliards, cette transformation que vous vantez est-elle bien réelle ? Ce qu'il faut regarder au-delà des chiffres, c'est le geste lui-même. Je crois que c'est la dynamique qui commence et ça montre quand même un engagement très fort de la part des pays africains. Si on rapporte ce montant au PIB des pays africains contributeurs, on se rend compte quand même que l'effort est considérable. Mais ce qu'il faut aussi regarder, c'est la volonté commune des deux parties d'aller au-delà de l'aide publique au développement pour aller vers l'investissement, vers le partenariat économique, tout en prenant compte de l'intérêt de nos pays donateurs. Parlons de ces partenaires. Avant de prendre les rênes de la BAD, vous teniez pendant dix ans ceux de la BADEA, la Banque arabe pour le développement économique en Afrique, notamment financée par les pays du Golfe que vous connaissez bien. C'est cette « nouvelle génération de collaborateurs à grande échelle », comme vous le dites, que vous comptez développer ? Il ne s'agit pas d'individualiser des partenaires contre d'autres. Ce qu'il faut voir, c'est l'ensemble des partenaires de l'Afrique. Le continent a toujours reçu un appui constant de la part de ses partenaires historiques, et cet appui continue et se renforce. L'arrivée d'autres partenaires ne fait que renforcer ce partenariat, et ne diminue en rien le partenariat existant. Nous avons consacrée tout une journée au secteur privé avec un certain nombre d'acteurs financiers. Nous sommes à Londres qui est une place financière internationale. Dans ce cadre, le FAD pourrait jouer un rôle important dans l'atténuation du risque perçu dès qu'il s'agit du continent africain, de quoi rassurer les investisseurs et permettre le développement des projets transformateurs dans les différents pays africains. Revenons sur la Banque arabe pour le développement économique en Afrique, qui s'engage à donner jusqu'à 800 millions de dollars pour le développement en Afrique. Engagement similaire de l'OPEP à hauteur de 2 milliards de dollars. Ce sont les sommes annoncées par la BAD que vous présidez. N'y a-t-il pas là une alternative aux contributeurs habituels ? Vous savez, les besoins de l'Afrique sont immenses. Annuellement, on estime ces besoins de financement et de développement à 400 milliards de dollars. Donc, toutes les contributions sont les bienvenues. Toutes les participations sont nécessaires, que ce soit à travers la mobilisation du secteur privé, qui doit aussi jouer un rôle important dans la mise en œuvre des projets d'infrastructures, la transformation des matières premières, le secteur de l'énergie, des transports, les ports, les aéroports, les chemins de fer, mais aussi dans le domaine digital. En novembre, vous étiez présent au G20 organisé en Afrique du Sud et boycottée par Washington. Comment comptez-vous composer avec la nouvelle politique américaine des deals pour paraphraser le président Donald Trump, notamment sur les matières premières ? Les Etats-Unis ont toujours soutenu la BAD et continuent à la soutenir. Et nous travaillons en étroite collaboration avec nos actionnaires dans l'intérêt du continent africain. Le rôle de la Banque est un rôle de financement du développement et de mobilisation des ressources pour le continent africain, et nous continuerons à le faire, y compris avec le secteur privé américain comme la DFC, comme US Bank. C'est les projets qui vont contribuer à l'amélioration du bien-être des populations africaines. À lire aussiBanque africaine de développement: le nouveau président invite à «changer de paradigme» face aux défis du continent

Crying is not masculine.  Of course, this statement is false.  In fact, many are beginning to believe it to be quite the opposite.  Today I sat down with Mitch Harris, and we talked about the true meaning behind masculinity and how we can make a point to spot the toxic side, alongside the true meaning of the word.    In this episode, you'll discover…  Key trait to win at home and at work (1:26) Why do we need his book? (12:44)  Mastering Masculinity (16:05) How we reverse toxic masculinity (24:29) Mitch's Bio:  Coach Mitch is an Award-Winning author of two important works: Analyzing the Black Box: Bullying & Depression amongst African American Youth and Mastering Masculinity: A guided resource for navigating manhood. He further shares his insights as a co-host of Cincinnati's insightful "The Black MEN-tality" segment on Senovia Byndon's IHU-I HEAR YOU! radio show. With an unwavering heart for service and a commitment aligned with his faith, Coach Mitch remains steadfast in sharing his skills, knowledge, time, and resources to uplift and empower all of whom he comes into contact. Mastering Masculinity, the book.   What's Next?  NEW!! Join the new RISE community. Check out my newest book, 'Rise and Go', HERE!

Crypto News: JPMorgan Chase has introduced a structured note linked to BlackRock's IBIT that matches BTC's four-year halving cycle. US Bank is testing custom stablecoin issuance on the Stellar XLM Blockchain.Brought to you by

In today's episode of Cybersecurity Today, hosted by Jim Love, several major cybersecurity incidents are discussed. US banks are assessing the impact of a security breach at SitusAMC, where the ALFV ransomware group claimed to have stolen three terabytes of data. CIOP has targeted Broadcom through Oracle's E-Business Suite vulnerabilities. A new malware campaign hides inside Blender 3D models, exploiting the auto-run feature to deploy Steel C malware. The JavaScript ecosystem faces a supply chain attack from the Shai-Hulud malware compromising 500 NPM packages. Additionally, a phishing campaign leveraging visual deception with look-alike domains is targeting Microsoft account holders. The show is brought to you by Meter, which provides integrated networking solutions. 00:00 Introduction and Sponsor Message 00:21 US Banks Data Theft Incident 02:24 Broadcom and Oracle ERP Breach 04:09 Blender Files Supply Chain Attack 06:24 NPM Packages Compromised 08:21 Phishing Campaign Targeting Microsoft Accounts 10:19 Conclusion and Sponsor Message

XRP is showing explosive momentum, and traders are watching closely. Could this be the start of the long-awaited rally toward the $5 target?

This season on Moneda Moves, we have been expanding how we talk about capital, because it's not just about money. It's also about power and access, across sectors. Today, we're talking about what it takes to gain access to one of the most traditional forms of capital: loans.According to the Latino Business Action Network, the odds of loan approval from national banks are 60% lower for Latino-owned businesses than for comparable white-owned businesses in 2024. And for Latina-owned businesses, the gap is even wider — with just 39% average approval rates from both national and local banks.That's why voices like Vanessa Sancha matter. She is an Assistant Vice President and Bilingual Business Access Advisor for the Chicago/Milwaukee region of U.S. Bank, providing support in both Spanish and English. In her role, Vanessa helps bridge critical gaps in information, connections, and capital, which otherwise can limit growth and opportunity for small business owners.A seasoned financial professional and community leader, Vanessa is driven by a mission to empower diverse business owners through access to capital and resources. Her financial services career spans over 16 years, including a notable tenure at PNC Bank, where she advanced through leadership roles in business banking and branch management.Vanessa also served as a Relationship Manager at local CDFI, Milwaukee Economic Development Corporation (MEDC), managing and underwriting a commercial portfolio. Her expertise lies in building strong client relationships and offering tailored guidance to help businesses thrive across diverse industries.Beyond her professional accomplishments, Vanessa is deeply committed to giving back. She serves on the board of the Wisconsin Veteran Business Alliance and the WWBIC loan committee. She has developed and led financial education programs for youth and adults through organizations like Journey House, WRTP, Milwaukee Christian Center and Running Rebels, inspiring participants to achieve their goals and contributing to more equitable economic outcomes in her community.She is committed to advancing opportunities for underserved communities and helping build a more inclusive economy where every entrepreneur can succeed. When she's not connecting with business leaders or volunteering, Vanessa enjoys spending time with her daughter, cheering her on at basketball and volleyball games.In this week's episode, we're talking about how banks can partner with local businesses and open the door to opportunities that have historically been closed to them. Financial capital, like loans, offers local businesses the chance to grow and create more financial stability for the community. With these programs, big banks are reaching out to entrepreneurs to offer guidance, help them navigate the financial challenges they're facing, and help them increase their chances of getting loans. Tune in to hear more about these programs and how local entrepreneurs can grow their businesses through financial capital.   Follow Vanessa on Instagram @_v.s.anabel_ and on her LinkedIn. Check out the US Bank's Access Commitment here! Follow Moneda Moves on Instagram: @MonedaMovesFollow your host Lyanne Alfaro on Instagram: @LyanneAlfaroMain podcast theme song from Premium Beat. Our music is from Epidemic Sound.Podcast production for this episode was provided by CCST, an Afro-Latina-owned boutique podcast production and copywriting studio.

Eric Freedman, Chief Investment Officer at US Bank Wealth, joins Excess Returns to discuss markets, the economy and his investment process. Freedman shares his “control the controllables” investment framework, why he's maintained a glass-half-full view on the U.S. economy, and how data—not emotion—drives portfolio decisions. The conversation covers macro trends, inflation, the Fed, AI, valuation, and how to stay disciplined as an investor.Topics covered:Data-driven investing and the “control the controllables” frameworkWhy the U.S. consumer remains resilientInflation outlook and how sticky prices impact portfoliosThe Fed's next moves and what investors should watchGlobal diversification and the case for international stocksHow to think about inflation protection and real assetsThe diffusion of AI and separating winners from pretendersMarket concentration, valuations, and managing riskLife lessons from a CIO: discipline, process, and informed decision-makingTimestamps:00:00 Introduction03:00 Controlling the controllables06:00 Why Eric remains optimistic on the economy10:00 How portfolio decisions flow through US Bank15:00 Data-driven insights vs. gut feel18:00 Consumer strength and scorecard22:40 Inflation outlook and Fed challenges30:00 Bond market risk and the “Brazilian steakhouse” analogy34:00 Global competition and diversification38:00 Inflation protection and real assets41:30 The reality of AI and productivity47:00 Market concentration and the Mag 752:00 Valuations and long-term returns55:45 Lessons for investors

Adam Carter is in for Jason. He talks with Chris Riemenschneider, music critic for the Star Tribune about tonight's Paul McCartney show at US Bank stadium. Plus, what was the vibe like at the Purple Rain the musical. Plus, is Ace Frehley underrated? (Photo by Leon Neal/Getty Images)

I am worried about the global economySimon Jack, BBC Business Editor speaks to global financial titan Jamie Dimon. He's the Chief Executive and Chairman of JP Morgan Chase, America's largest bank, and one of the biggest banks in the world. He oversees more than $4 trillion of assets, and has the ear of world leaders.He believes we are living in a time of uncertainty, and is concerned about the impact on the global economy. The risk of a serious fall in the US stock market within the next two years is being underestimated, he claims, adding he is far more worried about this than others. But he still puts his faith in the American economy, saying it is the best in the world. And while he says the United States is now a “less reliable” international partner, it is thanks to the actions of President Trump that other NATO members have stepped up their spending on defence. Such investment he believes is essential, in a world more dangerous since the Russian invasion of Ukraine.Jamie Dimon has been at the helm of JP Morgan Chase for nearly twenty years. Now he has been tipped as a potential US Treasury Secretary, something he says is not on the cards.Thank you to the Big Boss Interview team for their help in making this programme. The Interview brings you conversations with people shaping our world, from all over the world. The best interviews from the BBC. You can listen on the BBC World Service, Mondays and Wednesdays at 0700 GMT. Or you can listen to The Interview as a podcast, out twice a week on BBC Sounds or wherever you get your podcasts.Presenter: Simon Jack Producers: Oliver Smith, Lucy Sheppard Editor: Justine LangGet in touch with us on email TheInterview@bbc.co.uk and use the hashtag #TheInterviewBBC on social media.