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American bank holding company

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Nonconformist Innovation Podcast with Steve Tout
Cybersecurity Leadership with Jamil Farshchi & Timothy Held

Nonconformist Innovation Podcast with Steve Tout

Play Episode Listen Later Nov 18, 2022 62:19


In this episode Steve has a conversation with Jamil Farshchi and Timothy Held about top cyber risks, leadership, innovation in cybersecurity, standards, regulations, and thoughts on the threat landscape for 2023. Jamil joined Equifax in 2018 and led an unprecedented transformation of the company's security and technology capabilities. Today, Equifax is regarded as having one of the most advanced, effective, and transparent cybersecurity programs in business. Prior to Equifax, he was Chief Information Security Officer at The Home Depot, where he led the security turnaround for the Fortune 50 company following a high-profile data breach. Jamil serves as a Strategic Engagement Advisor for the FBI and serves on the Board of Directors for the National Technology Security Coalition. Tim joined US Bank in 2005 and leads a multidisciplinary information security team operating across the United States, Europe, and Asia, focusing on prevention, detection, and response. Tim is responsible for U.S. Bank's cybersecurity architecture, engineering, security operations, incident response, data loss prevention, vulnerability assessment services, online fraud detection, security monitoring, insider threat, and cyber threat intelligence. Tim sits on several external committees and is recognized by the Security 50 Organization as one of the top 50 CISOs in the world. CISOs are not only responsible for the security posture of their organization, they are guardians of the teams, employees, customers, and stakeholders they serve. They have a difficult job to perform, and I do not envy them one bit. But I am grateful for their contributions to society, and I am grateful for Jamil and Tim taking the time to talk with me for this epic episode on cybersecurity leadership.

Title Now
Real Time Payments

Title Now

Play Episode Listen Later Nov 17, 2022 33:44


Frustrated by the risks associated with wire transfers of buyer cash to close? What about the hassle of disbursing to realtors, HOAs, tax collectors and others? Are there options under Florida’s “good fund rules” for other forms of payment? Melissa Jay Murphy 0:00 Welcome to The Fund’s Title Now Pop-up webinar. I'm Melissa Murphy with The Fund and I have the pleasure to host these webinars from time to time on topics of interest to the real estate transaction world. We push this content out to our podcast also. So that way you have continuing access to the conversation. You can share it with interesting colleagues or friends. And coincidentally, our podcast is called Title Now also, and it's available wherever you get your podcasts, so please subscribe. We would love to share information with you, and I would love to get feedback about the topics that we talked about. So, one housekeeping item before we get started, you have the opportunity to pose questions to us in the chat function. Just pose your question there. And I have Bob Rohan from our Legal Education department who will be monitoring the chat and toward the end of our presentation. I'll ask Bob if there are any questions out there that you would like for us to answer. So, let's talk about money. Dealing with the funds in a real estate transaction is one of the most important responsibilities of a closing agent. It's your job to disperse the funds to cover closing costs, seller proceeds, real estate commissions mortgage payoffs, and it's obvious that the parties to the transaction rely on you to do that properly without a hitch. We also must consider what rules have to be followed. Both lawyers and licensed title agents are governed by what we commonly call the Good Funds Rule. Lawyers must adhere to the Good Funds Rule promulgated by the Florida Bar and licensed title agents have to comply with the Good Funds Rule. It's in our Florida Administrative Code. Now these rules are pretty similar, but they're not identical. But the similarity is pretty simple and is around that basic concept. You need to have money in the bank that you're pretty darn sure is real, secure, and irrevocable before you disperse that money. In the language of both the Florida Bar rule and the Florida Administrative Code refers to “collected funds” and they define that as deposited finally settled and credited to the trust account. Otherwise, you're using someone else's money (another client) to cover the check you've written and that's not good. So, the challenge is knowing when the money, however it's been delivered to you, is finally collected. It seems to me that banks have different rules around when monies are going to be available to you. Now, there are also exceptions, there's always an exception, to every rule right. Both title agents and attorneys are allowed to make exceptions for these strict rules. But the exception is based on an intangible thing. If they have a reasonable or prudent belief, that deposit will become collected funds within a reasonable time they can disperse. You know you might be uncomfortable taking that risk. So, is there a solution to this? Is there a better way for money to be sent to a closing agent? Is there a better way for a closing agent to be able to disperse the money that's been sent to them? There is some form of payment coming our way that many think is a great solution to these challenges, real time payments and with me today is Rick Bruhn from the US Bank to talk with us about real time payments. Rick is a senior vice president at US Bank, and he is head of commercial deposits and payments solutions there. So welcome Rick. Thanks for being here. And helping us understand this new form. Rick Bruhn 4:56 Thanks, Melissa. Happy to be here and love talking about RTP and payment innovations. Melissa Jay Murphy 4:58 Let’s start with what I hope is a softball question to you. Give us some high-level definition of a real time payment. Rick Bruhn 5:12 Yeah, great, great question. Right so real time payments are the very first payment rail lot new payment rail launched in the last 40 years within the United States. You know RTP while it's still new in the US it's not super new, right it launched in 2017, with the first payment actually being sent earlier that year between us, US Bank, and Bank of New York Mellon. Over time, you know that the participation within the RTP network has certainly expanded, and the utilization of that network has also expanded. You know there are a lot of positive things around real time payments. It's currently managed by the clearing house which is a consortium of 23 of the largest banks in the United States and internationally. It operates different payment infrastructures within the financial institution sector. And you know, RTP was built to compete with some real time payments platforms that are available and have been actually for as long as 20 plus years and other foreign countries such as Japan, China, other parts of the world. So, you know, our RTP is certainly a game changer. I've been involved in the Title and Escrow industry in the banking side for 15 plus years now and a multitude of different capacities within US Bank. Since the day it was launched in 2017 really thought and still believe you know RTP has the ability to really be a game changer for the title and escrow and settlement services industries. Melissa Jay Murphy 6:52 How is it different from a wire? How is it different from an ACH payment? Rick Bruhn 7:00 Yeah, I mean, fantastic question. Right. So, you know, today in the in the title world, right settlement world, we deal a lot with wire transfers, you know, there you have finality of payment, the revocable ultimately which you know, satisfies the Good Funds Rules that you're talking about at the top of the call Melissa. And, you know, with RTP you get those same features, right, you get irrevocability, finality of payment. It can't be called back. One of the main primary differentiators of RTP to wires are with wires, you're limited by the timeframe you can send them. So, you have from when the Fed window opens 8am to 5:30-5:45pm depending on your financial institution and how long they give you to complete that wire transfer process with them, with RTP it's open 24/7 365 days a year. You want to settle a transaction on Christmas Day at 5pm. Guess what you can do that? You know and then with ACH as most people probably on the call know, depending on the type of ACH payment it is who it's between whether, it's business to business, business to consumer, or consumer to business. There are different callback rules that apply to all those different payment types and the receiver or, if it's debiting funds for a consumer account, they can have up to 60-90 days in order to dispute that transaction. Whereas with RTP, like wires, you don't have that ability. I mean, it really takes an act of God and way to get those funds back. And so, there's that. Melissa Jay Murphy 8:39 I've also heard that ACH payments are not even real time. They can be called that but they're not even real time. There's some way that the bank kind of waits to send ACH payments out. Can you elaborate a little bit on that? Rick Bruhn 8:53 Yeah, absolutely. So you're exactly right. When you're sending or when you're debiting or crediting within the ACH network, you can either push a credit, in essence you're sending money to somebody, or you can initiate a debit transaction where you're actually pulling money from someone else's account. And then those types of transactions are ultimately batched and then each bank has different processing windows for their ACH batches, in which those operate. They generally are every hour, every two hours, something along those lines, but they certainly are not real time. So, if you initiate one now, you won't technically have funds. That process won't even start until maybe one or two o'clock somewhere depending on your institution. Depending on the type of ACH payment you initiate it could be same day which means you get the money at some point today but there's no guarantee as to timing. It can be a one day or two-day settlement as well. So, you may not even see the funds for another day or two and then you still have the dispute window as well to navigate. Melissa Jay Murphy 10:02 I thought there was a kind of quirky thing about ACH. So how does real time payment actually work? So, what are sort of the logistics? Rick Bruhn 10:17 Yeah, fantastic question. So, it works. RTP (real time payments) has a number of different functionalities that a wire transfer has and doesn't have. Ultimately, so like a wire transfer, you can initiate a payment outgoing with an RTP payment much like you would initiate a wire transfer today through your financial institution. So you're probably logging into your online banking system software through your financial institution putting in a name, account number routing number, dollar amounts and maybe additional information etc. in initiating that payment and then you have somebody else probably within your organization that approves that payment before it goes out. Then there's also another functionality of real time payments. It's called request for payment or RFP, which works kind of in reverse, so it's similar to ACH debit in the sense that you are in a way requesting funds from somebody but it's not it doesn't operate like ACH debit where it automatically debits their account. So an RFP within the RTP network, so yourself as a title agent would request payments from me so say “I'm purchasing a house” or “I have signed a contract” and you're trying to collect the earnest money deposit $10,000. So, the title agent could go into their banking software, initiate a request for payment, that will come to me and it's not an email. It's not a text message that I receive or any of that stuff will actually be a notification that I received on my banking app, on my telephone on my cell phone, iPhone, whatever Android. So, it will pop up on the home a US Bank app you have a “Request for Payment” from ABC title company. I open my app, go through the authentication process with my bank to access the app and review the details of the “Request for Payment”. If I accept that and agree to pay it, within the app, it'll automatically then send those funds from my account (Obviously, assuming they are there and available. It won't allow me to overdraft my account to send the money.) to be able to send those funds over to the title agent in real time. As soon as I click Accept or Approve those funds, immediately leave my account, and then would credit the Title Agency account. Melissa Jay Murphy 12:45 So, the only delay in payment would be if you're not paying attention to your phone and you don't get the notification that the request for payment has come to you. Rick Bruhn 12:55 Exactly, exactly. You're exactly right. Rick Bruhn 13:04 Yeah, and we are seeing use cases today within the industry space where it is being utilized to collect earnest money right now today in real time. Melissa Jay Murphy 13:16 So, when the closing agent since the RFP, the request for payment, to the buyer, do they need any information other than just the buyers name and cell phone number? Rick Bruhn 13:31 Great, a great question Melissa. So you know today much like with the existing process, they will need the clients name, full name, account number routing number in order to initiate an RFP today. So when you're collecting if you're putting that money outside of the client being in your office, right so you know, you still have to have a secure method for which to collect that data. ultimately. And then be able to populate that into your banking software. A future state, you could look at a situation in the future where you could actually be collecting that information at the closing table without ever having to request that information upfront if you're dispersing closing funds to a seller or like a cash out refinance. Melissa Jay Murphy 14:19 So that's the earnest money deposit scenario, but I'm kind of getting the impression that this could be a very cool tool to use at the closing table. So, I think you've given some thought to how great this could be at the closing table. So, tell us about that. Rick Bruhn 14:38 Absolutely. I've been sitting around thinking about this for a while and for a lot of the people on the call probably don't realize but the there's a limit for RTP payments today. It's a million dollars. When it was first launched in 2017, it was $10,000. So, there wasn't really a wide applicability for the real estate settlement services space at $10,000. Then it went to $100,000 and even then, for cash out refi or to pay brokers, real estate agents, stuff like that there was some common sense uses to be able to utilize RTP. At a $1,000,000, you cover 95% probably of residential resales nationwide, somewhere in that ballpark. Obviously, wire fraud is pertinent and on the top of everybody's minds within the industry space without a doubt. We see instances where business email compromise or other avenues are utilized to gain access to escrow accounts or to dupe consumers into sending information to a fraudster or sending wires to a fraudster inadvertently. In an RTP world in the future state, you can imagine a situation whereas a title agent you can articulate to your real estate agents, consumers, builders, whomever you're working with, “no, we will never send wiring instructions to a consumer, ever, period.” You're never gonna have to do that. So, there's no business email to compromise ultimately, at the end of the day, right. In that scenario, you show up to the closing table, your consumer comes to the closing table, whether it's a refinance or a purchase sale etc. So, I know your documents and know if there's cash to collect for closing from the buyer. Your escrow agent, or closer or whomever and you would designate in your agency and initiate a request for payment to the consumer. They're at the closing table, from an iPad, from a laptop, whatever that notification shows up on the consumers’ phone. The consumer is able to go in and respond to that RFP, “ABC title agency needs $50,000 for cash to close on a transaction 1234 for XYZ property”, they accept/approve that transaction. The funds immediately leave their checking account, savings account, money market account, whichever and automatically populate into the title companies escrow account. Right there at the closing table, all done, with all parties present. Melissa Jay Murphy 17:35 And that money is finally so. Right then and there. Rick Bruhn 17:37 Absolutely, can't be called back just like a wire transfer. Melissa Jay Murphy 17:42 And I think that this just brings up a really cool images in my mind of how great this would be sitting at a closing table. All the documents are signed, closing agent says “Okay, buyer, are you happy?” “Yes.” “Okay, seller are you happy?” “Yes.” You send the request for payment to the buyer and in a minute or two they get that request for payment on their phone. They open it up. They hit Accept, boom, the money is there. And it sounds like the closing agent could turn to the seller and say “I'm sending you your net proceeds. Boom, here they go.” And they could also do that with the real estate commission? Rick Bruhn 18:34 Yeah, you're exactly right. Melissa Jay Murphy 18:41 How much would a Realtor like that! Rick Bruhn 18:43 We can even go back to the dates when the real time payment transaction limits were $10,000 per payment. We had clients within our Title and Escrow industry vertical portfolio that were actually utilizing that five years to go to pay real estate agents and brokers because for their purposes, it was a competitive advantage because they can pay realtors in real time. There was no fee for the realtor to receive a real time payment unlike with a wire transfer where they get dinged by their bank for $20, $30, $40 fee, depending on the institution, right. The realtor did want to come to the closing and collect the check and then have to go to their bank and deposit the check. They don't have to to get the funds in real time immediately, available to them, and free of charge to receive. Melissa Jay Murphy 19:34 All right this sounds too good to be true, Rick. So, what are the challenges? What are the challenges that we're facing right now? Rick Bruhn 19:38 Like with all new technology, right, it's adoption ultimately is the number one challenge. So roughly 60-65% of all DDA accounts nationwide are covered by RTP participating banks. So, a bank has to be a participating institution on the RTP network in order to initiate or receive a payment and they can participate in a lot of different ways. They can participate in the clearing house and the RTP network can just be a receiving bank where they can receive RTP payments or RFPs, etc. Or they can be an initiation bank. So, you know, smaller institutions will participate in receiving payments where a lot of larger banks like US Bank are full participants within the RTP network. All the major banks are a lot of the regional banks if not all of them are today, I know and talking directly with the clearing house, you know, they could add the next 10 largest banks that are not participants, and it really would not move the dial more than one or two percentage points, ultimately. So it's mostly smaller institutions today that are not participating on the RTP network. And then on the RFP side, that's a new functionality within the RTP network. That's really only been up and running for gosh, basically 2022. All participants within the RTP network today, all of their clients can read all their commercial or corporate banking clients, business clients can respond to an RFP. However, the limitation really right now on that aspect is only two banks, US Bank and City, currently allow consumers to receive and process an RFP request. By the end of this year. We anticipate a couple of the other larger banks Wells Fargo, Bank of America to also be included in that and we anticipate you know, a much larger amount to onboard in 2023 as well. Melissa Jay Murphy 21:44 So, it sounds like the big challenge right now is that only a very few banks allow consumer clients, consumers when they encounter that bank to receive an RFP. So that clearly is a limitation on the population that can take advantage of this currently. So is the resistance because there's a huge cost to obey to build a technology environment that will support this? Is that the reason why the smaller regionals are lagging? Rick Bruhn 22:24 Yeah, I mean, there's certainly a technological cost to it. So I mean, being in a very brand new payment rail, they have to code their systems to that that payment infrastructure and FedNow is coming as well, and a lot of people think that FedNow will jumpstart adoption around RTP and more banks will be on FedNow. Like RTP any bank that currently obviously is tied to the Fed network directly, will have the option to utilize FedNow and a lot of banks will use both FedNow and the RTP networks. What people don't realize is there's still going to be a coding infrastructure challenge with FedNow when it comes out because it as well as a new is a new payment rail, ultimately from the Fed so it's not going to run over the old wire fed wire rails. So, there's still going to be some uplift on institutions to code to that. We would anticipate that institutions would ultimately code the Fed Now will probably (that are not on RTP today) will probably go to both at the same time, as opposed to picking one or the other. It's new There certainly is a lift on cost associated with that. Even with smaller institutions today, what a lot of people may or may not realize, smaller financial institutions in a lot of ways will use the balance sheets or infrastructure of larger institutions like a US Bank, Bank of America or Wells through their correspondent banking groups that ultimately utilize some of the payment infrastructures that they have in place they are to credit accounts for those smaller institutions. So, we've seen you know even some smaller institutions come through us and like to utilize RTP through US Bank’s channels on the network versus coding themselves. Melissa Jay Murphy 24:14 So, they just kind of lease space on your network? Rick Bruhn 24:17 They give it like a click fee. Right. Like from a technology company. Melissa Jay Murphy 24:20 Well, one of the goals I have of hosting this webinar and pushing this out on the podcast is that it'll reach a whole lot of consumers that have consumer accounts that will start pressuring their banks to make this a reality. Certainly, attorneys and title agents have business accounts with their lenders and hopefully this will drive awareness which will put some pressure on banks to get on this train so that we can make payments a lot more efficient. What's the cost of sending and receiving payments through RTP? Are they comparable to wire transfer fees? Rick Bruhn 25:08 Actually, they're a lot cheaper than sending a wire transfer. So, I can't speak for all institutions, I can tell you from US Bank’s perspective, for title companies wires started for dollars incoming and or outgoing for wire transfers. For RTP based on volume, they start at roughly 50 cents and go down from there depending on the amount that you initiate. And it's for real time payment transactions they're free to receive, like an ACH. So, if you're a title company receiving an RTP from another title company, it's free for you to receive that. And if you're initiating it, you'll probably pay somewhere in the neighborhood of it should be roughly be pennies compared to what you're paying for wires today. And interestingly enough to a consumer or as we talked about earlier, a real estate agent or broker, it's free for them to receive those funds. Melissa Jay Murphy 26:04 Another benefit now the reason why we need to lobby our banks to make this happen. So, my last question is really around those darn fraudsters. Fraudsters are the thing that keep closing agents up at night and wire instructions sending receiving wire instructions, you know, is just right for fraudsters to intervention. So, how could a fraudster infiltrate this RTP system? Are there some weak links in there that we need to be aware of? Rick Bruhn 26:45 No, I mean, nothing different than what you would have with the existing wire network today. In the sense if you are just pushing payments out to consumers as you are with wire transfers today and you're having to collect the consumer information, right you're not utilizing RFP or any of that you're still going to have you're still gonna have to have ways to securely communicate with the consumer, educate the consumer and receive that information back from the consumer right related to their account number and routing number to be able to push those payments out. For a fraudster to gain access to the RTP network and initiates RFPs to consumer accounts fraudulently would be highly difficult. Ultimately, they would have to get through a bank's KYC (Know Your Customer) process. They would all they have to go through the challenges of setting up the accounts then opening, gaining access to a commercial banking software system, which is vastly different than online banking systems that consumers use, and go through the process of setting up users and verifying their identity so on and so forth, and then initiate RFPs. So the ability to do that is very low. Ultimately, I think there's a higher risk of rogue actors within institutions utilizing RFP to gain access to consumer accounts, but even then the money would have to would come out of the consumer account back into the title company's account and then they would have to move the money out of the title company into another account to get access to the funds. Melissa Jay Murphy 28:21 So there is some risks there but that sounds like a lot more trouble than just monitoring social media and hacking into somebody's Yahoo email phished out. So it'd be harder. Yeah, this has been great information. We're getting close to the end of our allotted 30 minutes. So Bob can you turn on your mic and let us know we have any questions. Bob Rohan 28:48 Quite a few of them came in. I'm trying to digest them right now. But the first one is how does this compare to Venmo? And Zelle? Rick Bruhn 28:49 Yeah, great question. So Venmo, and Zelle, are primarily P2P platforms, or could be called peer-to-peer, right? So we're consumer-to-consumer consumer-to-business. You're seeing some use cases for Zelle that are business-to-business or business-to-consumer but on a smaller scale. Venmo and Zelle also have much lower transaction limits associated with them. And those while it was Zelle you have finality of payment there you technically don't have real settled funds ultimately into your account. At the time that you received this Zelle payment while there's some funds may show there. That's your bank just showing that you know, you have funds that have shown up that those funds haven't technically been settled, most of that's been done overseeing ACH platforms, etc. In addition to that, you know, Zelle is starting to utilize RTP to move money, but that's not necessarily the consumer using RTP to send you funds, that's the bank that they're banking with RTPing and those funds from their institution to your depository institution, and then your institution in essence taking them out of their house account and putting them into your account. Bob Rohan 30:23 One of the questions is they get a lot of clients in Canada. What about foreign transaction issues? Rick Bruhn 30:29 RPT is just a domestic payment rail. There’s been talks of opening it up to some other countries but those are still in their infancy at this point. Melissa Jay Murphy 30:42 Let’s get consumers more involved in it first then we can deal with other countries. Bob Rohan 30:49 Next question, does the bank have to honor real time payments? Rick Bruhn 30:54 I will answer the question in the sense that if you are initiating the payment to a financial, I am assuming that you are meaning… You are sending a payment to a bank do they have to receive, accept, and deposit those funds? They have to be a RTP participating bank to be able to receive those funds. If they are not then that payment would be rejected by your financial institution. It would never actually leave. Bob Rohan 31:20 Is the only ability to initiate this electronically? They are used to calling in their wire instructions. Is that possible with RTP? Rick Bruhn 31:29 It is not possible with RTP. It is all done through digital rails with all participating banks to my knowledge. Bob Rohan 31:44 What are the bad actors impersonating a title company with an RFP? Rick Bruhn 31:52 They would have to gain access to the title companies online commercial banking software. They would have to initiate the RFP which would have dual authority so technically they would need two logins to be able to enable that. So, an initiator and an approver to create a RFP to go out to the consumer. Even if they pulled that off the funds would still come back into the title company account. They could change the account number that that would credit for the account which would request the RFP, ultimately. So, it would come back into your escrow account. Then the bad actors would have to turnaround and initiate an approval payment going out of the escrow account to in essence a third account to be able to move the funds outside the company. Melissa Jay Murph 32:46 Well Rick, we are out of time, and I want to thank you again for taking the time out of your schedule to share all of this information with us. Even though it is not something that is ubiquitous today in a perfect world it will be, and we can invite you back. We can celebrate with me about announcing new banks and new consumers and new rules that are available for RTPs. Here is a link to a summary of the many questions asked, with some answers! https://www.thefund.com/real-time-payments-faqs.pdf​​​​​​​

Resilience and Resistance Podcast
Dealing with the Loss of a Loved One: A Professional Therapist Journey

Resilience and Resistance Podcast

Play Episode Listen Later Nov 17, 2022 44:11


We've all had those times when we feel crushed and exhausted by emotionally draining times. And in those times, we might seek professional help from a therapist. But have you ever wondered how therapists process their internal struggles? How do they help solve another person's problems when they're fighting their own battles simultaneously?Dr. Cynthia Chen, my guest for today's episode, comes out openly about dealing with one of the most challenging times of her life: losing her elder brother to lung cancer and how she's chosen to process the various emotions that came with it. She shares how she managed her work – sometimes, taking some time off work and sometimes, immersing herself in it to stop her mind from wandering – to let her mind feel and heal. A loss as significant as that could shake your whole world; Cynthia goes back in time to reveal how she privately processed her feelings.In this episode, Cynthia narrates her journey in life so far: the experience growing up in a Chinese household, pursuing a doctorate in psychology, her approach to the work she does, and dealing with the challenges that have come her way in life. Our discussion gets deep into being comfortable with your emotions – both positive and negative, emotional regulation, resilience, and revival. Listen in!Episode Lessons:Finding a balance between how much to reveal and not reveal about yourself to your clients: While giving away too much could feel like a risk, being extremely private could also be very draining.The processing of grief looks different for everyone. It all comes down to being comfortable around even your most negative emotions.Emotional regulation isn't about regulating your emotions as much as it is about regulating your reaction to those emotions.ABOUT DR. CYNTHIA CHENDr. Chen's experience in education, pediatric hospitals, and mental health settings spans over 20 years. Her clinical training and work has focused on working with children and families impacted by trauma, as well as those experiencing acute and chronic medical conditions. She currently works part time in private practice providing individual and family counseling, maintains a clinical faculty position at a local children's hospital with their Solid Organ Transplant Team, and conducts social justice focused consultations to schools and organizations.CONNECT WITH DR. CYNTHIA CHENWebsite: https://www.psychologytoday.com/us/therapists/cynthia-chen-denver-co/339979Links:Marisol's website: https://www.marisolerlacher.com/LinkedIn: Marisol - www.linkedin.com/in/marisol-solarte-erlacherInstagram: @Resilience_and_ResistanceWe have partnered with US Bank to support our communities like this one through responsive and humbled actions focused on addressing racial and economic inequities and creating lasting change through our Community Possible Grant Program,https://www.usbank.com/about-us-bank/community/community-possible-grant-program.htmlIf you are interested in Marisol Solarte-Erlacher supporting your business or organization by speaking or training on topics such as Work Trauma for BIPOC women, Racial Battle Fatigue, supporting mental health in traumatic times, and building resilience in employees and resilient leadership in BIPOC women. Contact her directly at marisol@marisolerlacher.com if you want to learn more.Check out exclusive offers from our sponsors and partners - https://www.theplug-agency.com/sponsorsProduction CreditsArt: Maite Nazario | http://www.maitenazario.comMusic: Inte-Gritty by Bianca MikahnPodcast Editing and Production: https://www.theplug-agency.comDistribution by: The Plug Podcast Network - https://art19.com/networks/the-plugSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Great Girlfriends Show
Start Investing Now with Ashely Fox

The Great Girlfriends Show

Play Episode Listen Later Nov 9, 2022 45:58


According to a recent study by US Bank, only a quarter of women in the U.S. invest in the stock market.Why is this so? And, what are 75% of women who are not investing in the stock market missing out on?How can investing be a HUGE contributor to your wealth legacy? Ashely Fox is here to tell us + she's giving us a few keys to get started today!About Ashley: Ashley M. Fox is a former Wall Street analyst, a Howard University grad, and she is now an expert in her field as a Financial Education Specialist. After helping manage money for both millionaires and billionaires, during her career on Wall Street, Ashley felt that it was her God-given purpose to financially empower those Wall Street would never talk to. This passion led her to quit her job and start her own company; EMPIFY. Empify (merging of the words EMPower and modIFY), is a financial ed-tech start up created to show both adults and children how to build wealth. Empify focuses on the creation of life-altering programs and informative digital content curated to teach all aspects of financial education in the classroom, online, and on their WealthBuilders Community app. Since 2014, Empify has reached over 30,000 individuals across the world, has helped over 5,000 adults and children become first-time investors, and its programs have been implemented in over 75 different schools and organizations across the country.Since leaving her Wall Street career, Ashley has used her message to educate the world as a financial contributor for Forbes, and as a profound international speaker. Ashley is now a highly sought-after financial expert who has been featured on international tours, college campuses, and keynote speaking platforms. Her work and story have been featured on Jim Cramer's “The Street”, Yahoo Finance, CNBC, Inc. Magazine, Business Insider, Fox News, ABC, Huffington Post, Glamour Magazine, and Forbes.Listen and Learn:1. Why women need to invest in the stock market.2. How investing can change your financial trajectory TODAY.3. What you need to know if you're starting out.4. A few simple keys to get started with an investment plan today.Learn more about Ashley's company Empify here: www.empify.comListen to more episodes now at www.thegreatgirlfriends.com and be sure to share with your greatest girlfriends!Get the goodies from the episode here:Framebridge: Frame your photos or send someone the perfect gift today at https://www.framebridge.com—————————We want to hear from you! Shoot an email over to welcome@thegreatgirlfriends.com or drop a DM directly to Sybil ON IG @sybil_amutiFollow now

Resilience and Resistance Podcast
Latina Entrepreneurship Series: Ana Hernandez of Inscribe

Resilience and Resistance Podcast

Play Episode Listen Later Nov 8, 2022 32:07


Join us for the first interview of our Latina Entrepreneurship Series. Our first guest is Ana Hernandez COO of InScribe. We will be featuring an entrepreneur every month until the end of the year.We will continue to explore how Latinas are building, growing, and owning their spaces.Watch this episode - https://www.youtube.com/watch?v=HY1A4gLOY6kIf you are interested in Marisol Solarte-Erlacher supporting your business or organization by speaking or training on topics such as Work Trauma for BIPOC women, Racial Battle Fatigue, supporting mental health in traumatic times, and building resilience in employees and resilient leadership in BIPOC women. Contact her directly at marisol@marisolerlacher.com if you want to learn more.We have partnered with US Bank to support our communities like this one through responsive and humbled actions focused on addressing racial and economic inequities and creating lasting change through our Community Possible Grant Program.https://www.usbank.com/about-us-bank/...Marisol's websitehttps://www.marisolerlacher.com/Marisol Erlacher on LinkedInwww.linkedin.com/in/marisol-solarte-erlacherAna Hernandez on LinkedInhttps://www.linkedin.com/in/ana-herna...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Adam and Jordana
Time for workers back to the office? US Bank thinks so, Jordana gives her thoughts

Adam and Jordana

Play Episode Listen Later Nov 7, 2022 33:10


Jordana talks about US Bank's return to the office plan, plus a look back at our voting trends and whether we vote just too much in America.

Chad Hartman
US Bank is asking employees to return to the office

Chad Hartman

Play Episode Listen Later Nov 4, 2022 16:52


US Bank's CEO is asking employees to return to the office on at least a hybrid basis as soon as possible. Do US Bank and other large companies in downtown Minneapolis have a responsibility to bring their employees back downtown to help the city?

Chad Hartman
US Bank asking employees to return & Matthew Coller

Chad Hartman

Play Episode Listen Later Nov 4, 2022 30:17


Do US Bank and other major companies in downtown Minneapolis have a responsibility to help the city by bringing employees back to the office? Chad discusses US Bank's attempt today to bring workers back downtown before Matthew Coller joins to preview Sunday's matchup for the Vikings in Washington.

The Atlas Obscura Podcast
Atlas Obscura Presents Real Good

The Atlas Obscura Podcast

Play Episode Listen Later Nov 4, 2022 16:30


Real Good is a podcast with the mission to highlight real people out in the world - trying to make it better. This excerpt features the Real Good hosts and Goalsetter CEO Tanya Van Court discussing financial literacy. The show is powered by US Bank. Visit https://www.stitcher.com/show/real-good to listen to the show's fourth season.

Washington Hospitality Industry Webcast
Two Minute Video: What you need to know 11/1/22

Washington Hospitality Industry Webcast

Play Episode Listen Later Nov 1, 2022 2:16


The Washington Hospitality Association has *so* many ways for you to get news and information… here are a few you might have missed. The latest episode of the Northwest Leadership Podcast sponsored by US Bank. Is out now. This one highlights a new way of leading. Along with the podcast… we have a webinar online now that discusses tips and tricks to find and hire new employees. For more information, go to https://www.wahospitality.orgSubscribe to Washington Hospitality Industry Podcast on Soundwise

HW Podcasts
Artificial intelligence innovations in correspondent lending with Black Knight and US Bank

HW Podcasts

Play Episode Play 31 sec Highlight Listen Later Oct 31, 2022 49:16


Today we have two phenomenal guests talk about a collaboration on artificial intelligence in the correspondent lending world: Rich Gagliano, the President of Origination Technologies for Black Knight and Tom Wind, the Executive Vice President of Consumer Lending at U.S. Bank.Rich and Tom sit down to talk with Clayton about this collaboration that aims to build more efficient origination processes, but they also talk about their own unique challenges and opportunities as they build both their respective businesses forward. Enjoy the episode!The Housing News podcast explores the most important topics happening in mortgage, real estate, and fintech. Each week a new mortgage or real estate executive joins the show to add perspective to the top stories crossing HousingWire's news desk. Hosted by Clayton Collins and produced by the HW Media team.

The Deep Dive Radio Show and Nick's Nerd News
Your Breaches of the Week! October 24 to October 30, 2022

The Deep Dive Radio Show and Nick's Nerd News

Play Episode Listen Later Oct 30, 2022 21:27


AT&T, US Bank, A British Prime Minister, Thomson Reuters, Bed Bath & Beyond and more are all part of this week's breaches!!

Purple Daily
REALISTIC RANDY: Minnesota Vikings path to HOSTING playoff game at US Bank Staidum

Purple Daily

Play Episode Listen Later Oct 24, 2022 46:48


Minnesota Vikings bye week takes with former QB Taylor Heinicke leading Washington to a win over the Green Bay Packers; The Vikings would play the Rams if the NFL playoffs started today; Are the Vikings truly the second best team in the NFC; Picking the Vikings schedule the rest of the way and more with Realistic Randy.

Studio Sherpas
304. Video Retainer Client Tips with Tony Gnau

Studio Sherpas

Play Episode Listen Later Oct 24, 2022 51:38


This week is a blast as we explore some very creative business strategies with Tony Gnau. Content marketing is a tool that Tony relies on heavily to add value to his customers while also building his credibility and drawing in new clients. We look into taking the time to audition your clients to find ones that align with your core values and then working those clients into a retainer system that creates consistent income and a mutually beneficial relationship between you and your client! Key Takeaways Use quality content marketing to set yourself up as an expert in your field and draw in quality clients. Be proactive to think about both the short term AND the long term strategy or your life and business. Use the retainer business model to create consistent income with clients you want to work with. Make sure you are clear on your core values and audition clients to find ones who mesh with those values.  About Tony Gnau Tony Gnau is the Founder and Chief Storytelling Officer at T60 Productions. He's a three-time Emmy Award-winning journalist, has led T60 Productions to winning 17 Telly Awards for its corporate videos, and is the author of the book Lights, Camera, Impact: storytelling, branding, and production tips for engaging corporate videos. He has created videos for the likes of CommonSpirit Health, Walgreen's, Catholic Health Initiatives, United Airlines, US Bank, Goose Island Beer Company, as well as NBA legend Dwyane Wade. Tony has written over 700 blog posts on video marketing and also speaks on the subject to communications professionals at conferences such as Content Marketing World. Finally, Tony is a former USC Trojan football player, Star Wars geek, and a devoted husband and father. In This Episode [0:00] Welcome to the show [5:14] Meet Tony [7:32] Finding fulfillment in visual storytelling [9:34] The immense value of Content Marketing [19:27] Video production client retainer model [25:06] Auditioning for clients that align with your core values [31:26] Details of Tony's retainer system [35:17] How to bring out your client's story [39:59] Best practices for interviewing [44:23] Tony's book [49:48] Outro Quotes "Do both. Don't just think short term, play the long game. In all of the things that you are doing. In investing with your money, investing in relationships, investing in your business.” [17:07] “When you have this retainer thing setup and someone signs up for it, it's like holy cow, we just get a check every single month!” [21:44] “We want to tell stories and we want to do the job that we enjoy doing but at the end of the day we are doing it for money so let's set ourselves up for as much success in that area that we can.” [24:43] “Instead of just out of desperation taking on any client, it's like hey let's just dig in a little bit here and let's make sure that we both are going to benefit from this relationship. If we do, then we're both winning.” [26:24] Links FREE Workshop Available "How to Consistently Earn Over $100k Per Year in Video Production While Working Less Than 40 Hours Per Week" Get the ASCEND Method Cheat Sheet Join the Grow Your Video Business Facebook Group  Find Tony Gnau online  Follow Tony Gnau on Facebook | Twitter Connect with Tony Gnau on LinkedIn Follow Ryan Koral on Instagram Follow Grow Your Video Business on Instagram What's your question for the podcast? Share a video or audio response! Check out the full show notes page If you haven't already, we'd love it if you would take 1 minute to leave us a review on iTunes!

FreightCasts
Invoices at US Bank showing the market downturn EP135 Drilling Deep

FreightCasts

Play Episode Listen Later Oct 22, 2022 22:22


On this week's Drilling Deep, Jeffrey Pape of U.S. Bank looks over the bank's gigantic pile of invoices and discusses what it says about the freight market.The Love's retread warranty is simple: We cover the retread and casing for the full life of the retread. With over 430 locations, Love's Truck Care and Speedco network is committed to providing a tire program to meet your needs. Visit loves.com to learn more about our retread warranty.Follow Drilling Deep on Apple PodcastsFollow Drilling Deep on SpotifyMore FreightWaves Podcasts

Drilling Deep with John Kingston
Invoices at US Bank showing the market downturn

Drilling Deep with John Kingston

Play Episode Listen Later Oct 21, 2022 22:06


On this week's Drilling Deep, Jeffrey Pape of U.S. Bank looks over the bank's gigantic pile of invoices and discusses what it says about the freight market.Follow Drilling Deep on Apple PodcastsFollow Drilling Deep on SpotifyMore FreightWaves Podcasts

CFA DFW Charterholder Chatter
Episode 18: The Valuable Journey of Life and Investing with Nick Tompras

CFA DFW Charterholder Chatter

Play Episode Listen Later Oct 20, 2022 22:02


Nick Tompras founded ACR Alpine Capital Research in 1999 to fulfill his vision of an asset manager built solely on fundamental investment principles. He developed ACR's core investment philosophy and policies, and authors the firm's quarterly investment commentary. He is the lead Portfolio Manager of ACR's flagship Equity Quality Return (EQR) strategy and serves as Co-Portfolio Manager of the firm's Multi-Strategy Quality Return (MQR) strategy. Prior to forming ACR, he was Portfolio Manager at the asset management subsidiary of what is now US Bank. Nick earned his degree in English from Southern Methodist University (SMU) in Dallas and is a CFA charter holder. Nick joins the chat to share more about his professional journey, commitment to a successful investment strategy, and what most excites him during these challenging and uncertain times. Disclaimer: All podcast discussions represent only the views and opinions of the host and guests. This podcast in no way constitutes investment advice and is not an offer to buy or sell any products or services. 

Resilience and Resistance Podcast
Akasha Absher: Pushing Past The Limitations of Whiteness

Resilience and Resistance Podcast

Play Episode Listen Later Oct 20, 2022 59:04


In this week's episode, we are joined by Akasha Absher, the president of Syntrinsic Investment Counsel, a national investment consulting firm. Akasha and Marisol converse about:Akasha explains how she's not only the president of a firm but a Black woman, friend, boss, colleague, partner, finance professional, dreamer, human with capacity for greatness and with capacity to make monumental mistakes.We talk about how in order to be perceived as successful, you must leave certain “worlds” then decide whether you try to reintegrate back into those communities.We talked about the importance of networking with other POC to build knowledge and increase the likelihood of being successful.It is important to prove, advocate, and assert yourself in order to be taken seriously.Watch this episode here - https://youtu.be/16mj1wiGS4oAbout our guest: Akasha Absher (she/her/hers) is, among many things, the President of Syntrinsic Investment Counsel, a Colorado-based national firm that provides investment advice and strategic consulting to endowment foundations and private clients. The catalyst of her impressive career can be traced back to Clark Atlanta University where she obtained her BA in Finance. Later, after a stint in South America, she earned her MBA from the University of Michigan, Ross School of Business. She's been making moves ever since. Akasha has an extensive background in investment consulting and banking, fixed income trading, risk management, and nonprofit leadership. This unique amalgamation of expertise has ultimately led to her prowess and success as president of Syntrinsic and beyond. In 2020, Akasha was named one of the top 25 Most Powerful Women in Colorado by the Colorado Women's Chamber. To top it all off, Akasha is a dedicated community member. She serves on the Board of Pinnacol Assurance, the Denver Metro Chamber of Commerce Board, the Advisory Board of the CLIMBER Loan Fund, and the REI Advisory Committee for Confluence Philanthropy. The latter is a diversity, equity, and inclusion initiative managed exclusively by women and POC. They seek to expand the control of capital beyond "white male gatekeepers" and to provide resources to continue moving the discussion forward. Originally from New York, Akasha and her husband moved from NYC to indulge in Colorado's scenery. When she isn't hustling, Akasha can be found enjoying time with family, hiking, reading, traveling, and practicing yoga.Links:Marisol's website: https://www.marisolerlacher.com/LinkedIn: Marisol - www.linkedin.com/in/marisol-solarte-erlacher Akasha Absher - https://www.linkedin.com/in/akashaabsher/Instagram: @Resilience_and_ResistanceWe have partnered with US Bank to support our communities like this one through responsive and humbled actions focused on addressing racial and economic inequities and creating lasting change through our Community Possible Grant Program,https://www.usbank.com/about-us-bank/community/community-possible-grant-program.htmlIf you are interested in Marisol Solarte-Erlacher supporting your business or organization by speaking or training on topics such as Work Trauma for BIPOC women, Racial Battle Fatigue, supporting mental health in traumatic times, and building resilience in employees and resilient leadership in BIPOC women. Contact her directly at marisol@marisolerlacher.com if you want to learn more.Check out exclusive offers from our sponsors and partners - https://www.theplug-agency.com/sponsorsProduction CreditsArt: Maite Nazario | http://www.maitenazario.comMusic: Inte-Gritty by Bianca MikahnPodcast Editing and Production: https://www.theplug-agency.comDistribution by: The Plug Podcast Network - https://art19.com/networks/the-plugSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

StarTalk Radio
Presenting the 'Real Good' Podcast

StarTalk Radio

Play Episode Listen Later Oct 14, 2022 56:12 Very Popular


Hey StarTalk fans! This is a special presentation of Real Good, a podcast from US Bank. It's a show all about people helping other people. If you like what you hear, head on over to their feed and subscribe today.

Back2Basics: Reconnecting to the essence of YOU
E174- Patricia Greenberg -Eat Well, Live Well, Age Well

Back2Basics: Reconnecting to the essence of YOU

Play Episode Listen Later Oct 6, 2022 31:07


Ushering in a new era of bite-sized livable health, nutrition, and fitness solutions, Patricia Greenberg practices what she preaches. A working wife and mother, she has 30 years of experience as a Certified Nutritionist, Chef, and Wellness educator. She lives a healthy lifestyle in an often chaotic world through good food and attainable fitness. Patricia runs The Fitness Gourmet, a wellness consulting firm that specializes in teaching seminars nationwide. She has a special interest in enhancing the education of the general public, providing accurate nutrition and health information to today's consumers which has had an impact on the lives and health of thousands of people.As for fitness, Patricia completed 20 marathons and 115 half marathons, starting at the age of 35 and still going strong. She also loves the sport of tower climbing having conquered buildings all over the country, including The Empire State Building, The World Trade Center, US Bank building, AON building, and the Hancock Tower.Educational Accomplishments: BS in Nutrition and Food Science from Queens College, NYC, Degree in Culinary Arts, from Le Cordon Bleu in Scottsdale, AZIACP – Certified Culinary ProfessionalISSA Certified Nutritionist, specializing in Aging WellACE Certified Trainer, in Sports Nutrition and Senior Fitness.Medfit Educational Foundation – Supporting memberBooks:The Whole Soy Cookbook, Random House 1998Soy Desserts , ReganBooks, Harper Collins 2001Scrumptious Sandwiches, Salads, and Snacks, 2017Eat Well, Live Well, Age Well!, The Fitness Gourmet, 2021For more information: www.thefitnessgourmet.com 

Engadget
10/3/22: Coinbase users were unable to withdraw funds to US bank accounts for six hours... and more news

Engadget

Play Episode Listen Later Oct 3, 2022 3:36


Coinbase users were unable to withdraw funds to US bank accounts for six hours; Chrome's controversial new extension platform is coming in 2023

The Infinite Skrillifiles: OWSLA Confidential

I knew I was being watched at all times, and the more I paid attention to being watched, the less noticeable it would become. I threw up a flare in way of not caring; I ate what I wanted and ran about in an inward frenzy—yet also, in a cool, and outermost calm state. I felt already that I had lost the game; that I wasn't famous yet, and so I wouldn't or couldn't be—I had failed, and so it didn't matter what I did or didn't do. I had no one left to please, however, I couldn't seem to stop writing— and I hadn't been, really. But now, it came about again automatically as it had in the beginning. I wasn't angry, and I wasn't going to be; my feelings were justified, and they had to be, because somehow, they still existed—despite my trying to abolish them as it seemed everyone else had in the way of making and sustaining income. But I was miserable, not doing anything anywhere near what I wanted to, and wasn't making the money I needed to do anything but wake up and exist in a rather unadmirable fashion. @zaexoolin October, deadmau5 I had written galaxies of entries into The Festival Project, and it didn't seem to matter at all— I wasn't making any money from it, and now, I didn't know how to. I hadn't the time or energy to organize the Project into anything understandable to anyone other than myself, and though the whole of it was somewhat complete; if completion was attainable any, in the infinite sense and overall nature of the project itself—but it had not yet been standardized into any format which would even be moderately accepted in the writing world wirh any interest; it wasn't Hollywood formatted and didn't fit the picture for any other adaptable publication—it had its own form and while I very well understood it, it would take a decent amount of explaining to anyone my vision for the massive project. Still, the universe had a way of telling me I was selling myself short and maybe even selling my soul in the exact opposite way as anyone might have chosen to—I wasn't having any fun, experiencing the benefits of actual fame, though The Festival Project's strange cult following had become effective in making itself apparently notable, and I was literally living hand to mouth on borrowed time. Though escaping Vegas by just a hairline, and finding bits and pieces of myself scattered all across Los Ángeles, the notion of becoming homeless and out of my senses loomed over me with every colored person howling and cussing at themselves and at the world—and not that there hadn't been such in Las Vegas—in fact, there were more, as the Nevadan mental health system was far worse than California's healthcare by anyone's standard, and yet— it was more forcibly apparent that rather than by choices, the homeless of Los Ángeles were there by circumstance. Though I hated it, I was willing to work any job that would secure my independent housing, as I had learned to live with very little and stayed content in doing so; a true minimalist, I fancied not what others had as to keep up with the times, but only of things I hadn't. I wanted my own door to shut, my own bed to make—my own kitchen to cook in, and although it came at a cost, the skyrocketing rent in LA was worth it enough, equated to the energy alone in the city. I wasn't anytime soon going to Mexico without a decent amount of money, and more than probably wouldn't be able to keep up the pace of a commission-only job enough to secure a space in LA—but I knew something was coming. After all, there was a coughing demon following me everywhere I went, and so I thought myself to be a pretty important obsession in someone else's mind to put out such a terrible force of energy. It didn't seem to matter much, anything, actually—I wasn't doing anything I wanted, I wasn't getting what I needed, and I was harder working than anyone I met at all. The end of my life could be any day at any time, and so I became reckless in the aftermath of having lost all that I had ever loved. R E C K L E S S Los Ángeles What if I took my heart out? | | | You'd love the taste of my blood, With a Bite of the lip, and a twist of the tongue Pull me under, No wonder— Catch more flies with honey Oh. I didn't know you go here It's below zero where I'm from Cold as the stone you were under, That went unturned until Suddenly, I was at home dear, All alone where All of a sudden you know me; No, Let's not go there— I was in the clear, I was in the clear I was in the air, with you I was in a dream, and then Woke up to care for you Staring at the wall In a cold sweat Oh, there you are again I didn't know you go here Hello, dear Better prepare the proper paperwork Better prepare the proper paperwork Better wear the proper attire; You're said to inspire the choir In your downward spiral Look at my eyes Look at my eyes Look at my eyes, when I lie to you That's just the life of a writer; Live and we die just to love you Then write of it But in spite of it all And everything I stand for; Coming this fall: I could fall for you What if I took my heart out? | | | You'd love the taste of my blood, With a Bite of the lip, and a twist of the tongue Pull me under, No wonder— Catch more flies with honey —Shhh. The brim of my hat, on a pole Where do I get off writing stories? Where do I get off—? Ah Where do I get my glory? Give me my roses, I'm horny Give me more, Moses; I've had it up to here with this nonsense Divine nonchalance and omnipotence God, this is potent You poisoned my apple with acid, I know it Alone in a fortress ‘Four figures is worth it,' I figured Go figure, Addicted to light fixtures, forged as robotix I hope to God i get off of this rocket as polished and Godlike as Ali But nobody gets it, but me and my daughter Who doesn't exist yet Or did, And we're simply reliving the story Instead of just Writing it Riding the bus to the end of the infinite Invisible Infidelity, hell is embellished with heavenly decoratives and eloquent expletives Where the hell is my stop, anyway I stopped paying attention Where the Hell do I get off? —for S— —Ssshhhhhhutthefuckup!!! Watch this Ugh Get it? Stop it, Satan. Stop what? Come on. Stop following me. You like it— —Sometimes it's funny. You're very quick. Could be quicker. I could give you this whole damn city, if you want it. It's already mine. Wouldn't it be nice if everyone else knew it too? Nobody has to know. Oh, but you'd like that. I'd like a lot of things. But not love? What is that? You tell me. Name your price. Are you serious!? How's the weather? I want to make a baby Dhow me that you love me Come inside me, then divide me Bring the joy into my pride Cause I admire you I desire you, Light my fire; I exist to inspire you Dammit. Dammit. —down girl. I told you I'm going to put that dragon to sleep. I'll put it to sleep. Dragons don't sleep! That's a myth! Dragons are a myth! Myths are a myth. If you land that ship here I'm going to make you pay for parking by the minute. Alright. How much? Half a million. Deal. SUPACREE has officially and permanently hijacked Dillon Francis. Where is Dillon Francis? I told you it was cold up here. Don't look at me! Oh what's wrong EVERYTHING. Whats going to happen here? Anything that can. No no! Do t touch it! It's a Tesla! What?! Last year I saw you take a baseball bat to a fucking Beamer! It was Boston! ?! They love baseball Watch this: Satan. I told you— —I wasn't listening. I can be anywhere you are. The US Bank building was indeed high enough to kill you from jumping off of it; I couldn't stop thinking about it, as I stood by the base of it, actually across the street at the library, which I for some reason, had somehow considered as my own. -TAZER- Oh shit. Oh shit. -TAZER- -TAZER- -TAZER- —WOOOOOOOOOO!!! YOU'RE SICK. I love it! One more! WHAT! ONE MORE. (This part is important.) HIT ME BABY, one more time! BRITTNEY SPEARS Hey, shut the fuck up, okay—my kids watch this show! WOOOOOOOOOO. This is nuts. This is out of control. That's a lot of— —Lazers! —Cough syrup. Oh, yeah it is. Wish. what?! Already?! Whats your first wish?! I'm not done yet You have to be— There's a limit?! WISH. OKay, OKAY!! I wish— Oh shit, here she goes. Hide! Ugh! Noorotic, Redman NEW DJ UNLOCKED/ Q-Beet “Q-BEET IS GOD. “ Ok. I had just that very morning imagined myself quitting my shitty job, trading in my business professional clothes for something, anything else—and just finally, once again—being Sunnï Blū. In pondering, looking over my polished and professional appearance, in a collared faux-pearl dress and DKNY boots I actually liked…but it didn't at all feel like me. And while Sunnï Blū also wasn't me, and merely just a character I had created and ended up quite by accident somehow method acting by solid definition—it was still an entirely more enthralling existence, as the character I had created had indeed come into a life of its own and become nothing at all of how I had first imagined, but somehow even better. ‘What would Sunnï Blū even wear?' I had asked myself, probably even too loudly, so much so that the universe with full-throttle intention did respond, in an excitingly timely manner. EXT. WHERE MONSTERS DREAM, DTLA. DAY Oh I love this part. GOOGLE ‘What does Sunnï Blū Wear?' oh my god. what is this. i love it. #lilbitz LA is some shit. Some people in LA are too rich. You're so rich, I can't look at you. You're so rich, you make my eyes hurt. What are you even wearing? lacoste-too-much. Durh. EXT. DTLA FASHION DISTRICT. DAY ‘Can you believe Porter Robinson invented trance? I thought almost too deeply about it for a moment, trying to understand where in my own multidimensionality I was, or where he was, in the grand scheme of things. POOOR-TER ROBINSON. POOR-TER ROBINSON. -lil B. Yes, actually, I do believe that. I could believe that. I invented trance! Uh huh. I am I! Oh shit. I am Porter Robinson. PORTER ROBINSON. Check out my band: Porter and the Robinsons. Yessir. Anywho. The smell of eucalyptus filled my nostrils; someone behind me was annointing themselves with the oil and it sparked up a fire in my brain; I had been trying to become a member of Equinox fitness for years, and had almost always fallen short just in funding, and though something was telling me I would be coming into some sort of money somehow, I was again falling short—it was almost impossible for me to arrive anywhere on time anywhere I didn't want to be; and I didn't like my new job as much as I thought I needed it… Sonny Moore died of a broken heat; I survived him, but I never was the same. That was they day my eyes had turned go hazel— Now comes the day my eyes will fade to grey My eyes will fade to grey. ‘Ugh.' Rooms>< anything I was almost certain at one point or another that— Fuck this—there's a glitch in the matrix! (I thought this was an article on the secret love affair between Allison Wonderland and Dillon Francis!) ((That's not a secret!)) This is impossible. What am I looking at. (Yes, please try to explain to yourself how this is happening.) (this isn't happeninG.) THIS ISNT REAL —-MWJAY TJE FJCU—- WHAT THE FUCK AM I LOOKING AT (Hush, please, before you send up a sign.) There's a signal. Let's go. Let's go?' Where?! To the planet. To which—planet?! The one with the: ‘—THIS ISN'T HAPPENING— ‘ (now you've done it.) You really sold you soul for this? What'd you sell yours for? Same as you, I guess. x__x God is in the shadows, And yet I rise above, Just to illuminate the picturesque, The life that all of us have left to share To live To love To love one another To love one another I judge not a mother, Nor pity a father; I honor them Once and for all, One becomes of us Not then, or after— Now, Right where we are, Under the stars, Or drawing them; A wish becomes a prayer to God Until you are one Lost wanderers talk in tongues Lost wanderers talk in tongues Lost wanderers talk in tongues, The prophets (Of The profits) All will fall or none All is fair in love, But one must fall, First I smell winter in the air. ‘It has to be a dummy company' , I thought. ‘A front for something. ‘ If I was being set up to fail, there were some broad strikes being taken—but still, I wasn't all the way fooled; something seemed off, and If at the very least I was watching my dreams shatter around me, at least I was doing it in Los Angeles against the backdrop of this historic LA skyline on this iconic coastal Mecca, rather than Vegas's dry and unforgiving desert, which for the most part was also littered with homeless, mentally Ill and unbathed Inhabitants—however, strange and bizzare as it seemed, it was as if Los Angeles had less of them. I sat out in on the Whole Foods patio at 8th and grand, which I had never done and somehow also remembered doing, and though temping, the skinny black girl who stopped herself in front of me just to take a sip of her kombucha wouldn't persuade me to start doingso; in fact, I was in a tailspin—very much so in a panic, such that I was actually eating midday, rather than the end of it. The job I had just started seemed a sham, and though there had initially been something that excited me about it, after being late my first day, I almost believed myself to be in a realm where I was doomed to fail, or stuck in a loop as I had been all the rest of my life; then l, it could have been the fact that I was carrying documents with my old name on them—which I had theorized allowed whoever such was practicing black magic against that name to continue doing so successfully. The passport office had apparently ‘made an error' with my documents, and so had delayed me at least by a day or two from completely shedding any remnince of her, to which I would to happy to forget entirely, and—though somewhere in the pit of my heart that I could no longer speak to anyone from my last, pretending for the time being that it didn't exist and was safer; it had to have been narrowed down to two perpetrators for the dark and awful magic that was being used against me, always there but less present when actually dealing with her belongings, family, or friends—and while it may have been her ex husband who forced her to suicide, it may well have been coughs, the photographer for no other reason than love and love alone, in any facet. A fit man with an attractive tattoo seated himself in front of me; I could tell he was attractive, and thought it best to keep him headless rightly so. Today, all the white girls were evil again, but really they always were, and it was me who just cared to notice them—they just needed attention, and didn't seem to do much other than try to get it—not that they had to try. I had learned that I didn't hate them—however, that we lived in different worlds. They couldn't understand me, or find me as attractive as they thought themselves, and their Caucasian male counterparts were trained for the most part not to find African American features as beautiful, scientifically, I had learned. And, while my heart was forgiving, my soul still crept up just to wince at every reflection of ‘ugly' anyone I might have thought to be attractive thought that I was. Sonny Moore is like candy.. …I really want it, but it's definitely not good for me. Good, go on. lol I do have a sweet tooth. Eugh! So then, what does that make Dillon Francis. MEAT. Ew, gross. …I could eat it, but I probably wouldn't feel very good afterwards. Daww. All I need is a DAW And a Dog; And a friend, And a hug, And a car, And a bed— And you out of my head Cause I gotta get I gotta get I gotta get it all on my own, you know And I gotta get out of here But I owe you for something I know it I'll take out a loan In the morning Slowly but surely, Slowly but surely Slowly but surely I'm waking up Run just to run (Gotta run, gotta hide) I'm picking you up (I'm picking you up at 9) Probably shouldn't be driving Probably shouldn't be driving On all this wine; Took my first sip When I saw you weren't mine, but now I'm Picking you up Picking you up at 9 All I need is your arms, And some love, Some songs, And a hug And a road, And a room to go to with you, PAUSE oh shit. I never seen tiesto before. What? Why not?! Cause fuck tiesto. Anyways “Happy birthday tiesto!!!!” Wait, is that his name?! Yeah that's his name! Like his actual name?! I don't know! What the Fuck! Might be worth knowing. I doubt that. His wife is younger than me! Well, good news is, you're getting older. Okay— Wow! This song IS red! Red music for the win. Red music is balls! What! She's from another realm. — MA. What, Jeff. It's excision. What did you say? My name's excision. Sure it is. Ma. What, Jeff. I made a new song. Of course you did. Wanna hear it? Not before breakfast. But it's past noon. So it is— Can I play it? No. What. Why not. I still haven't had breakfast. FAST FORWARD. NO. UNH. Oh, GOD. What? Don't look at me… No Exsision on an empty stomach. Okay. I SAID— SUPACREE Oh, I get it. This shit smacks. ///UNH. Literally, sometimes— Owie… But you know what? I had a good run. Okay. When do we get the rest of the DJs? Huh? Okay, who wants in? *literally nobody raises a hand* Okay, I'll go. Are you serious? Serious as a heart attack. THAT'S how you got in? Heart attacks are a sure-bet! But no! Well then, what happened? Someone broke his heart. Aw, shit. DONT LOOK AT ME. Aw, fucksauce. Nice Nikes. Wanna fight me? Do you like me? I'll give you a black eye; Yikes Three stripes me, I'm a zebra, no white, see? Psyche — #lilbitz I love LA. Sometimes I can't tell if people are wearing costumes or if that's like—their—themselves. Like their true selves. I can't tell. And it's okay. It's really okay. Cause sometimes I look at myself in the mirror, and I'm like— Fuck. Who is this guy? Yeah. Or I just laugh I'm like *laughs* “You idiot” But it's whatever! That's my true self. Sometimes. Whatever. Maybe I am in costume! I don't know. Sometimes, I think I'm in a movie Sometimes, people come up and tell me I'm in a movie. I'm like “oh no! Whose the main character” Lol. “I better get out of their way!” Haha or I'm like, “Yeah, I'm definitely the villain; get the fuck away from me.” But no. I love LA. I'm at the gym— I saw this dude in faded blue jeans, a jersey, some socks, and some Nike slides. I'm like yeah, I'm home. I'm home. Then I go to get a second look at him and he's got rhinestone facial piercings, I'm like. “Yup.” Fuck. I love LA. And they were oddly placed, at that. He had like, his eye wrinkles and second-dimples pierced Like—who has two sets of dimples, anyway?! LA people. Bet. — ALRIGHT DEADMAU5—TAKE IT AWAY. What? No literally. Take away all the deadmau5. What, you can't do that! But I can. — I love deadmau5. Beepbeepboop. Probably more than I should. Beepbeepboop. Way more than I should. Beepbeepboop. Beepboop. — Yo. Yo. Whatever happened to Pasquale? ? What happened to Pasquale? ? What even originally happened to Pasquale? Let's find out. —NO—NOT THE TIME MACHINE AGAIN. Relax. I WILL NOT RELAX. Relaaaaaax… I WILL NOT RELA— —AAAAAAAAAAAAAHHHHHHHHH. Ducks. What the— I told you. DONT DUCK WITH TIME — The thing I knew about Sonny was, I was never going to run into him in public; he was too famous, and too recognizable—and so I didn't have to worry—though, he was always in my mind somewhere, if not in the corner of my eye or somewhere over my shoulder—something like a dry cough that never went away. Might as well have been. — have you ever heard of a blood oath?! No—because they're secret. Turns out that building with my emblem on top is the Los Angeles public library. What a coincidence! No it isn't. I was being facetious. Wow. That should be a spelling bee word. I'm sure it has been. — I got my back up against the wall Why'd I fall for you? We got al the same problems Lack of endorphins, The wrong—a lot of things Maybe nothings wrong with God, after all Fuck, gotta love androgyny. . . . This just got weird. Like it wasn't weird before? No, it's really weird now. WHt is this!! Oh my god! WHAT IS THIS. I don't know. HOW'D THEY DO THIS? Who is “they”? WHOOOIII DID THIS?! Ruffle your feathers a bit? EXT. SOMETHING POETIC. NIGHT for fuck's sake. ffs. Fuck.

Business Innovators Radio
Interview with Sandra Escobar, Mortgage Loan Officer with US Bank

Business Innovators Radio

Play Episode Listen Later Sep 30, 2022 24:08


Sandra Escobar, Hispanic Mortgage Loan Officer. Assisting working women, and young families build generational wealth through home ownership focusing in the Denver Metro North Area.Learn More: https://mortgage.usbank.com/co-broomfield-sandra-escobarColorado Real Estate Leaders https://businessinnovatorsradio.com/colorado-real-estate-leaders/Source: https://businessinnovatorsradio.com/interview-with-sandra-escobar-mortgage-loan-officer-with-us-bank

Why Your Bank Sucks
US Bank Bribes People With Milk Money to use Zelle + I try a Compromise with Zelle. Really.

Why Your Bank Sucks

Play Episode Listen Later Sep 30, 2022 51:30


In this podcast I discuss an offer I found through US Bank where the bank is offering select clients $5, yes FIVE WHOLE DOLLARS to use Zelle 2x. What I see as a lacking gesture is also a way to fudge the numbers of "alternative ways to bank" to justify limiting staff and branches going forward. Giving clients a small pittance in order for you to save millions over the years sounds like a bet US Bank wants to take. I discuss how even people on the Right side of the aisle should heed the calls from their financial experts on the radio that Zelle is bad news so we can all band together and fight back against Zelle. Hey, at least that $5 will offset the $3,000 you lose through ZELLE Fraud lol Link to deal here Plus, I try to compromise with Zelle. I think you all know by now that I am writing a book on this topic, and frankly, there are a lot of things that I see that no one else is seeing. While I want it to go away permanently, I know that may not be practical, so I discuss in the second segment a compromise that will allow Zelle to operate, protect at-risk clients, and still make it instant for them to send family money while protecting them and the banks as a whole. Yes, I tried hard to reason... Hear me out on the segment NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!) MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanker --- Support this podcast: https://anchor.fm/thenotoriousbanker/support

Resilience and Resistance Podcast
Beth Robinson: Salary Bias' for Women

Resilience and Resistance Podcast

Play Episode Listen Later Sep 29, 2022 29:51


In this episode, we speak to Beth Robinson, an Employment Attorney in Denver, Colorado. We discussed:Bias and salary discrepancies for Women of Color in the workplace. The power of negotiation for women's salary and how women often feel as though they cannot. In her research she has found that women often don't negotiate their compensation packages, due to the fear of losing the job offer or being seen as confrontational, men on the other hand are more likely to negotiate their packages, even if they have less experience. She recommends negotiating the WHOLE package, e.g. Salary, hiring bonus, stock options, vacation, healthcare packages, and bonuses. The way a company responds to a negotiation is very important because it helps you understand their values and work culture. How your pay depends on your experience, and when it's most appropriate to negotiate one's salary. Regardless, you should always be fairly compensated. The importance of how one views and values money, any way you view money is correct “so long as it's healthy”. Centering yourself and your values is important for fairly negotiating your compensation.Watch this episode here - https://www.theplug-agency.com/theplugnetworkAbout our Guest:Beth Robinson (she/her/hers) is an employment attorney in Denver, Colorado. Beth grew up in Dayton, Ohio, in an inner-city community known as Residence Park. She decided she wanted to be a lawyer when she was in high school, after deciding that being an astronaut was too much math. She graduated from Harvard Law School and began her career at a large firm in St. Louis, Missouri. Beth has enjoyed doing lots of different things as an employment attorney, including the perks of working at large law firm advising large companies, working for the Missouri Attorney General's Office defending workers compensation claims and representing state agencies in state court, and currently working as an in-house employment attorney for the Colorado Judicial Department. Beth's experience as an employment attorney has given her a unique view into employer cultures and pay practices. Beth has seen employers at every stage and has some insight into what makes a good employer (and signs of a bad employer). She has also been able to confirm through employer data that the problems that we hear about in the news related to bias exist in every industry all over the world. Beth has, thankfully, also had the opportunity to see employers get things right. She believes a good employer supports employees and allows them to be their best professional self at work, and she believes any employer can be a good employer with the right leadership and culture. Beth encourages her clients to intentionally create a workplace environment where every employee feels valued and supported in doing their best work.Links:Marisol's website: https://www.marisolerlacher.com/Connect on LinkedIn or Instagram: Marisol - www.linkedin.com/in/marisol-solarte-erlacherFollow the Resilience & Resistance PodcastInstagram @Resilience_and_ResistanceWe have partnered with US Bank to support our communities like this one through responsive and humbled actions focused on addressing racial and economic inequities and creating lasting change through our Community Possible Grant Program,https://www.usbank.com/about-us-bank/community/community-possible-grant-program.htmlIf you are interested in Marisol Solarte-Erlacher supporting your business or organization by speaking or training on topics such as Work Trauma for BIPOC women, Racial Battle Fatigue, supporting mental health in traumatic times, and building resilience in employees and resilient leadership in BIPOC women. Contact her directly at marisol@marisolerlacher.com if you want to learn more.Check out exclusive offers from our sponsors and partners - https://www.theplug-agency.com/sponsorsProduction CreditsArt: Maite Nazario | http://www.maitenazario.comMusic: "Inte-Gritty" by Bianca MikahnPodcast Editing and Production: https://www.theplug-agency.comPowered by The Plug Podcast Network - https://art19.com/networks/the-plugSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sunday Sermons w/Dan Barreiro
Sunday Sermons: Vikings vs Gophers, Lions Preview

Sunday Sermons w/Dan Barreiro

Play Episode Listen Later Sep 25, 2022 42:18


Dan is back giving the sermons ahead of the Vikings Lions matchup, he explains how the town may be maroon tomorrow if the Vikes lose, and dive into the matchup at US Bank.

Geldbildung.de - Finanzielle Bildung über Börse und Wirtschaft
Profi-Investoren mit düsterem Ausblick und historisch niedriger Aktien-Quote! Jetzt Aktien verkaufen?

Geldbildung.de - Finanzielle Bildung über Börse und Wirtschaft

Play Episode Listen Later Sep 17, 2022 14:21


Die globale Aktien-Allokation von Profi-Investoren befindet sich gemäß einer Umfrage einer großen US-Bank auf einem Rekord-Tief.  Die Cash-Quote befindet sich auf dem höchsten Stand seit Oktober 2001. Gleichzeitig blicken die befragten Investoren sehr negativ auf die zukünftige wirtschaftliche Entwicklung.  Welche Schlussfolgerungen folgen für Privatanleger? Sichere Dir wöchentlich (seit 2014) meine besten Anlagetipps in Dein Postfach: Kostenfreie wöchentliche Anlagetipps (jeden Sonntag)

Resilience and Resistance Podcast
Rosalind Page: Black Femicides

Resilience and Resistance Podcast

Play Episode Listen Later Sep 15, 2022 39:32


In this episode, we speak to Rosalind Page, Founder of Black Femicide US, an organization that tracks violence and murders of black women and girls across America. Rosalind is a nurse, researcher, advocate for the human rights of Black women and girls. We discussed: Every 6 hours a Black woman is killed. Rosalind elaborates on the term “Femicide” and how the resistance to categorize womens death as such is a form of deep rooted misogyny.How femicides in the Black community have increased over the past few years-from a femicide occuring every 19 hours in 2015 to 6 hours in 2022.Domestic violence incidents are constantly being ignored and brushed off by law enforcement, and not taken seriously. The rates of femicides in the US are catching up to rates in South Africa where they occur every 4 hours. Her goal is to bring awareness to the number of Femicides in the Black community and enact change. Alicia Cardenas Alyssa Gunn-Maldonado killed December of last year About our guest: Around 2015, Ms. Page became active after noticing an increase in violence against black women and girls. This increase is supported by crime statistics and has been rising since 2015. Ms. Page is focused on increased awareness of the issue and she tracks and posts incidents of black femicide, including a photo of the victim on her facebook, instagram and twitter accounts. Behind the scenes she is working with MIT, CDC and the FBI to increase specific and thorough data collection and to better understand the causes of this violence.She is using that data to push legislation to recognize and address black femicide similar to the legislation proposed regarding the murders and disappearances of indigenous women and girls. To bring more focus and attention to a largely ignored and normalized issue, she is organizing a march on Washington DC for September 2022.Links:Marisol's website: https://www.marisolerlacher.com/Black Femicide US Twitter: https://twitter.com/blackfemicideus?lang=enBlack Femicide US Facebook: https://www.facebook.com/blackfemicideUSConnect with Marisol on LinkedIn www.linkedin.com/in/marisol-solarte-erlacherWe have partnered with US Bank to support our communities like this one through responsive and humbled actions focused on addressing racial and economic inequities and creating lasting change through our Community Possible Grant Program,https://www.usbank.com/about-us-bank/community/community-possible-grant-program.htmlIf you are interested in Marisol Solarte-Erlacher supporting your business or organization by speaking or training on topics such as Work Trauma for BIPOC women, Racial Battle Fatigue, supporting mental health in traumatic times, and building resilience in employees and resilient leadership in BIPOC women. Contact her directly at marisol@marisolerlacher.com if you want to learn more.Check out exclusive offers from our sponsors and partners - https://www.theplug-agency.com/sponsorsProduction CreditsArt: Maite Nazario | http://www.maitenazario.comMusic: Inte-Gritty by Bianca MikahnPodcast Editing: https://www.theplug-agency.comDistribution by: The Plug Podcast Network - https://art19.com/networks/the-plugSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Packers Talk
Packers Therapy #409: Dave Shares a Dark Secret

Packers Talk

Play Episode Listen Later Sep 14, 2022 100:00


Nick drops the ball on episode 408 almost as bad as Watson dropping the ball on the first play of the game, as Chris and Dave dissect an eerily, and disturbingly familiar week one loss for the Packers against the annoying Vikings at US Bank. Patreon: https://www.patreon.com/packerstherapy PayPal: Packerstherapy@yahoo.com Posting its first show in 2005, Packers Therapy is the longest-running Packers podcast on the Internet. Hosts Chris and Dave began the show as a way of capturing the spirited chats the two co-workers had about the team around the office. The two have no pretense about being experts: they are just two opinionated shareholders who love the team, follow it closely, but don't always see the Packers fortunes eye to eye. The guys encourage comments and questions via their Twitter feed @PackersTherapy or email to packerstherapy@yahoo.com and read and respond to as many as they can during each show. Packers Therapy is a part of the Packers Talk family of podcasts, serving up enough weekly podcasts to satisfy the most fervent of Packer fans. 

The $100 MBA Show
[Bonus Episode] From Real Good: The Business of Empowering Girls with Jennifer Openshaw

The $100 MBA Show

Play Episode Listen Later Sep 14, 2022 57:39


Entrepreneurship is about more than just making money. …or at least it can be.  Today, we resume our partnership with US Bank's Real Good podcast, a show that highlights business ventures for which profit isn't the first goal. In this episode of Real Good, get to know Jennifer Openshaw, founder and CEO of Girls With […] The post [Bonus Episode] From Real Good: The Business of Empowering Girls with Jennifer Openshaw appeared first on The $100 MBA.

Linked Local Broadcast Network
Discover Rising Tides with Erin Marcus

Linked Local Broadcast Network

Play Episode Listen Later Sep 8, 2022 49:00


Discover Rising Tides with Erin Marcus How the Outside Makes the Inside Better Through conversations with female business owners, we explore the benefits of time spent outside to maintain life balance. The time outside and activity may differ in each conversation, but we delve into the subject to find the commonality that drives us all.  As a business owner, I find myself outside to balance the challenges of every day Discovering Guest Erin Marcus is the founder and CEO of Conquer Your Business, an international company helping entrepreneurs and small business owners get out of reaction mode so they can be in charge of their businesses....and in charge of their lives.  Having made the successful leap from corporate executive to entrepreneur, she uses that experience, along with her MBA education and street smart upbringing to help her clients reach heights they never dreamed possible. Erin is also an international speaker, having spoken for both corporate and entrepreneurial audiences including Highland Capital Brokerage, US Bank, Women's Council of Realtors, and a variety of entrepreneur organizations. She is also the host of Ready Yet? Podcast.  “There are all sorts of people out there telling you what you need to do. The problem is very few of them can actually show you how to do it. Then when you add in the piece of helping you understand who you need to be to do it ...... well then the sky's the limit!” September 7th, 2022  2:00 pm PST Submit Questions hello@discoverrisingtiders.com  or call in live during the show 1-323-580-5755 https://discoverrisingtides.com/offerings      

Carnegie Council Audio Podcast
Carnegie New Leaders Podcast: Navigating the Core Ethical Challenges in AI, with Reid Blackman

Carnegie Council Audio Podcast

Play Episode Listen Later Sep 8, 2022 52:48


Carnegie New Leader Geoff Schaefer leads a lively conversation with Reid Blackman about his new book Ethical Machines: Your Concise Guide to Totally Unbiased, Transparent, and Respectful AI. Blackman cuts through the common jargon to deliver a clear and tangible approach to AI ethics. The conversation covers everything from "ethical nightmares" to the myth that ethical facts don't–and can't–exist. This episode is full of tips and tricks on how to think about the core ethical challenges in AI.  Reid Blackman is the founder and CEO of Virtue, an AI ethical risk consultancy, and volunteer chief ethics officer for the non-profit Government Blockchain Association. His work, which includes providing guidance to the likes of AWS, US Bank, Citibank, the FBI, NASA, and the World Economic Forum, has been profiled in The Wall Street Journal and Forbes.

The GIST of It
Ep #206: WNBA: The final countdown

The GIST of It

Play Episode Listen Later Sep 8, 2022 30:50


With the No. 1 Las Vegas Aces eliminating the No. 4 Seattle Storm in four games, the WNBA finals are nearly set. But first, the No. 2 Chicago Sky and No. 3 Connecticut Sun will duke it out in tonight's winner-take-all Game 5 to decide the final spot. So on today's episode of The GIST of It, co-hosts Ellen Hyslop and Steph Rotz have everything you need to know ahead of tip off.  Then the gals turn to their crystal balls for a look at how both the Sky and Sun would fare against the Aces in preparation for the Finals tipping off on Sunday. Let's ball.  A big thank you to WNBA Changemaker U.S. Bank for sponsoring today's episode and helping women build financial confidence. Check out more of their WNBA partnership at www.USBANK.com/WNBA.   

Someday Sports Podcast
CHEESE SHREDDING WEEK! (Vikes Season Predictions & Week 1 Preview)

Someday Sports Podcast

Play Episode Listen Later Sep 6, 2022 98:22


It's football week!!! In this episode, Tom, Chris and Kevin can't wait to get the season started! We breakdown the final 53 man roster for our Purple, dive down in to where we think this team can go in 2022, and make our predictions for this season and Week 1 at US Bank vs the Cheese!Shop the Merch!Someday Sports Merchandise & Website up now! Check it out!https://somedaysportsmn.com/shop/That's Badass Woodart Deal:https://www.thatsbadasswoodart.com/shop20% OFF Using Code: SOMEDAYBettorEdge FREE $20 PROMO:https://app.bettoredge.com/account/register/?refer=somedayIntro (0:00 - 5:59)New Vikes Additions/ Injury Update (6:00 - 17:56)NFL News/ Notes  (17:57 - 21:04)Final 53 Breakdown (21:05 - 40:30)Areas of Strength/ Causes of Concern (40:31 - 49:57)Vikings Record Predictions! (49:58 - 1:09:08)SKOL BOARD BETS (1:09:09 - 1:13:59)Someday Sports Player of the Year Predictions (1:14:00 - 1:20:23)Week 1 Preview! (1:20:24 - 1:28:51)Border Battle Matchup Mems (1:28:52 - 1:33:59)Score Predictions (1:34:00 - 1:38:00)

Career Bits
Episode 78 - Ask All the Questions

Career Bits

Play Episode Listen Later Sep 5, 2022 18:21


2022 Alum Kat Breischaft talks about how to ask questions, effectively network, and build your competencies as you work towards your career goals. As an HR professional, Kat also offers advice on how to best market yourself to potential employers. Follow Kat on LinkedIn Career Center Upcoming Events https://hireaniner.charlotte.edu/events/ Episode sponsored by Novant Health, US Bank, and Sherwin Williams. Music from Uppbeat (free for Creators!): High Hopes by Bosnow https://uppbeat.io/t/bosnow/high-hopes License code: VBHSUKYOOPE8IBNK

School of Hollywood
Mira Tzur is Our Latest Guest on School of Hollywood Author of “Anonymously Famous”

School of Hollywood

Play Episode Listen Later Sep 1, 2022 22:32


Mira Tzur is best known for her multi-faceted talents and familiar presence. She is an Israeli-American actress, theater and film producer, a French countess from the Theraube lineage, social philanthropist, and selectively serves as the #1 FLOTUS impersonator. Throughout her ongoing career, Tzur's face and voice have been associated with countless national Tv commercials and ad campaigns including Neutrogena, Mary Kay, Ponds , Head and Shoulders, L'Oreal, Hilton, Four Season ,Viagra, Advil, Humira ,Cool Sculpting, Eskata, Electrolux, Samsung, Sony, Sub Zero, DropBox, Foxwoods, Bank of America, Citibank, US Bank, Macy's, Lazy Boy, Home Depot, Vitamin Shoppe, Campbell's, Ray-Ban, Nike, Reebok ,DKNY, Capelli, and many more. --- Support this podcast: https://anchor.fm/school-of-hollywood/support

Rebel Human Resources Podcast
RHR 115: Employee Experience Science with Kevin Campbell

Rebel Human Resources Podcast

Play Episode Listen Later Aug 31, 2022 42:42 Transcription Available


Kevin G. Campbell, M.A. is an Employee Experience Scientist at Qualtrics and also a Founder of Lifted Leadership, LLC where he coaches Fortune 500 executives on how to acquire, develop and retain their most valuable asset: their people.He's spent the last decade of his career building leaders and teams for companies like Stryker, PF Chang's, Amazon, etc, and has worked for Deloitte and Gallup as a consultant. Before founding Lifted Leadership, Kevin served as a Lead People Scientist for Culture Amp where he helped organizations like Airbnb, Palo Alto Networks, and ServiceNow reinvent and optimize their performance management and employee engagement initiatives.Kevin also served as a Workplace Consultant and Executive Strengths Coach for Deloitte Human Capital and the Gallup Organization where he helped coach leaders from companies like Stryker, P.F. Chang's, US Bank, Amazon, CH2M (now Jacob's), and PayPal leverage their unique individual talents into greater performance.As a certified coach, Kevin has logged over 1,000 hours of paid executive coaching and workshop facilitation sessions. As a coach, he makes use of a variety of psychometric assessment tools and feedback techniques to identify and coach high-potential, high-performance next generation leaders.Prior to his career in industry, Kevin received a Master's in Organizational Psychology where he studied under Mihaly Csikszentmihalyi, co-founder of Positive Psychology and the first researcher to recognize and name the mental state of flow—the optimal experience of total engagement.Rebel HR is a podcast for HR professionals and leaders of people who are ready to make some disruption in the world of work.We'll be discussing topics that are disruptive to the world of work and talk about new and different ways to approach solving those problems.Follow Rebel HR Podcast at:www.rebelhumanresources.comhttps://twitter.com/rebelhrguyhttps://www.facebook.com/rebelhrpodcastwww.kyleroed.comhttps://www.linkedin.com/in/kyle-roed/Buzzsprout - Let's get your podcast launched! Start for FREEDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show

Business Travel 360
What's Up in Business Travel - August 29, 2022

Business Travel 360

Play Episode Listen Later Aug 29, 2022 15:12


Welcome to the BT360 Podcast: What's Up in Business Travel for Week 33 of 2022.  This is a weekly podcast where we update you on what's up this week in the world of business travel.  This podcast is great for those who need to know what's happening all in less than 15 minutes.Topics covered during this podcast -Next Steps in the DOT Ticket Refund RulemakingGlobal Entry delays stretch for monthsGoogle accused of 'airbrushing' out emissions dataASTA reveals overhauled websiteAmerican Airlines plans Flagship First phaseoutSingapore Airlines drops mask requirement British Airways cuts 10,000 flightsJapan waives pre-departure COVID-19 testSAS cancels 1700 flightsSiteMinder acquires GuestJoyUber partners with RoktExpressJet goes bankrupt & Aha! ceases operationsAir Wisconsin replaces United with AmericanQantas announces another lossLondon Gatwick Airport to end capacity capsA new Canadian airline is cleared for takeoffWorld Travel taps US Bank for virtual cardSouthwest Airlines signs with ATPCOSouthwest adds Digital Upgraded Boarding Service____________________________________Tune in every Monday morning to get your weekly update.  We hope you will make this a regular part of your week and listen in while you on the move or sitting back and sipping your coffee.  You can subscribe to this podcast by searching BusinessTravel360 on Google Podcast, Apple Podcast, iHeart, Pandora or Spotify.Be sure to sign up for regular updates at BusinessTravel360.com - Enjoy!Support the show

Talking to Cool People w/ Jason Frazell
Pete Wilson - Author, Coach, Speaker

Talking to Cool People w/ Jason Frazell

Play Episode Listen Later Aug 24, 2022 44:10 Transcription Available


Pete and Jason chat about being "old dads", Pete shares his journey from planting and leading a big church in Nashville to starting his own business and the perils of leadership, no matter what you are doing."If you want to build a better future, you need to have a better past."Pete is a speaker, certified life coach, and best-selling author who has published four books with publisher Harper Collins, including his best-seller, Plan B.Over the past 20 years, Pete has spoken to over one million people across the world.In 2019, Pete and his wife started Good Vibes Management; an organization that partners celebrities with corporate brands and nonprofits to pull off inspiring press-grabbing projects while also giving a renewed purpose to the celebrity's platform. Good Vibes has worked with country super stars like Kane Brown and Tim McGraw, and brands like The Boys and Girls Club of America, the NBA, US Bank, and many more.Husband and wife duo, Pete and Jordyn, also host the Good Talk Podcast, where they hope to inspire people to become healthier, happier and more purpose-driven versions of themselves through their weekly episodes.When Pete is not speaking or working on developing new online courses, he spends a good bit of his time these days as a life coach, helping his high-capacity clients live their best life by filling the gap between where they are now and where they want to be, thus reaching their highest goals and dreams.petewilson.cohttps://www.instagram.com/pwilson/?hl=enhttps://www.linkedin.com/in/pete-wilson/Enjoying the podcast? Please tell your friends, give us a shoutout and a follow on social media, and take a moment to leave us a review at https://lovethepodcast.com/talkingtocoolpeople.Find the show at all of the cool spots below.WebsiteFacebookInstagramIf something from this or any episode has sparked your interest and you'd like to connect about it, please email us at podcast@jasonfrazell.com. We love hearing from our listeners!If you are interested in being a guest on the show, please visit jasonfrazell.com/podcasts.

The Military Money Manual Podcast
#50 Military Spouse Credit Cards - Annual Fee Waivers on Amex Platinum, Chase Sapphire Reserve, and More

The Military Money Manual Podcast

Play Episode Listen Later Aug 22, 2022 45:29


In this episode Jamie and Spencer discuss Military Lending Act (MLA) benefits for military spouses. Military spouses enjoy the exact same benefits active duty military servicemembers do on American Express, Chase, Citi, and US Bank credit cards: the annual fees are waived on all the premium cards. Spencer and Jamie break down the best credit cards for military spouses including: The Platinum Card from American Express Chase Sapphire Reserve Card American Express Gold Card Hotel credit cards Airline credit cards

Resilience and Resistance Podcast
Athena Baca-Chieza: Understanding Trans-Racial Identity

Resilience and Resistance Podcast

Play Episode Listen Later Aug 13, 2022 54:43


In this episode, we speak to Athena Baca-Chieza, Associate Professor, Clinical Director, and Training Coordinator at the University of Colorado Denver, about tran-racial identity, including: Speaking to her experiences as an adoptee and the struggles she faced being different from her family members. How understanding her trans-racial identity helped her more deeply understand herself and how her identity has shaped her experiences. How the Latinx culture can be anti-Black and how her Afro-Latina Identity impacted her relationships. About our guest: Dr. Athena Y. Baca-Chieza is a clinical health psychologist in Denver, Colorado. She received her doctorate in Clinical Psychology from the Chicago School of Professional Psychology in 2006. Dr. Baca-Chieza is currently an Associate Professor at the University of Colorado, Denver, where she is the Coordinator of Clinical Training and Director of a community mental health clinic in the CU Denver Clinical Health Psychology PhD program. In addition to her current position at CU, Dr. Baca-Chieza also works as a consulting psychologist in the Hem/Onc and Bone Marrow Transplant program at University of Colorado Hospital, where she supports patients who are navigating the complex biopsychosocial intersections of living with blood cancers, and she also conducts pretransplant evaluations. Previously, Dr. Baca-Chieza worked for 10 years at the Colorado Blood Cancer Institute as a BMT psychologist and Training Director, as well as an integrated primary care provider at the South Texas Veterans Health Care System in San Antonio, Texas.Dr. Baca-Chieza is actively involved in leadership and advocacy for her profession and has served on the board of the Colorado Psychological Association (CPA) since 2015, when she was elected as the state's Diversity Representative. In 2018 she was elected to serve as President of CPA, a 3-year position, which afforded her opportunities to write laws that impact mental health outcomes for Coloradans, and especially marginalized populations such as LGBTQIA communities who were vulnerable to archaic and harmful practices. Dr. Baca-Chieza is interested in consultation psychology, including leadership selection and development in the healthcare arena and enjoys any opportunity to present on topics related to leadership, advocacy, and professional development. Dr. Baca-Chieza proudly hails from the beautiful Bordertown of El Paso, TX, is fluently bi-lingual in Spanish and English and identifies as Afrolatina (Mexican and Black). She lives in the Park Hill neighborhood of Denver with her spouse, Chido, who works as a nurse, and their two daughters, Raphaelle and Juno, who attend Stedman Elementary school, where Athena is an active PTA member and advocate for black and brown families in the Denver Public School system. They also have a 5-pound Chihuahua named Fiona.Links:Marisol's website: https://www.marisolerlacher.com/LinkedIn: Marisol - www.linkedin.com/in/marisol-solarte-erlacher & Athena - https://www.linkedin.com/in/athena-y-baca-chieza-6564823/Instagram: @Resilience_and_ResistanceWe have partnered with US Bank to support our communities like this one through responsive and humbled actions focused on addressing racial and economic inequities and creating lasting change through our Community Possible Grant Program,https://www.usbank.com/about-us-bank/community/community-possible-grant-program.htmlIf you are interested in Marisol Solarte-Erlacher supporting your business or organization by speaking or training on topics such as Work Trauma for BIPOC women, Racial Battle Fatigue, supporting mental health in traumatic times, and building resilience in employees and resilient leadership in BIPOC women. Contact her directly at marisol@marisolerlacher.com if you want to learn more.Check out exclusive offers from our sponsors and partners - https://www.theplug-agency.com/sponsorsProduction CreditsArt: Maite Nazario | http://www.maitenazario.comMusic: Inte-Gritty by Bianca MikahnPodcast Editing and Production: https://www.theplug-agency.comDistribution by: The Plug Podcast Network - https://art19.com/networks/the-plugSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Seeking Light Podcast
166. Looking forward to retirement and then finding out that your husband has stage 4 pancreatic cancer with Mary Trump

Seeking Light Podcast

Play Episode Listen Later Aug 12, 2022 57:20


Mary and Glenn were married in 1971 when Mary was just 17 years old. Glenn worked for US Bank and attended college. They welcomed 5 children into their family over a 14 year span. Glenn loved to serve others and participate in his children's lives. After 46 years of marriage, Glenn started having stomach pain and reached out to his doctor for help. He was then diagnosed with stage 4 pancreatic cancer. Glenn lived for 8 months before he passed away. Join me as Mary shares their story, her testimony and Glenn's legacy.  bethnewellcoaching.com  bethnewellcoaching@gmail.com

How to Money
Friday Flight - Child Labor, Equifax's Idiocy & Utility Bill Hacks #549

How to Money

Play Episode Listen Later Aug 5, 2022 31:38 Very Popular


Time for our Friday Flight! These episodes are a sampling of the week's financial news and the impact on your personal finances. There are a lot of headlines out there, but we distill it down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead during these trying times. In this episode we cover some relevant and helpful stories like: HTM sock giveaway winners, more Google Map biking features, credit card companies are fighting for your business, cheap millennials are worse tippers, jumping ship to earn 10% more, why we're proponents of child labor, US Bank exploiting their customers, pernicious hotel fees, Equifax continues to blow it, & a quick utility bill hack.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Find a thriving community of fellow money nerds by joining the HTM Facebook group! Maximize your rewards by getting the best credit card for how you spend. Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile. Don't be cheap and forego getting a life insurance policy. Compare rates with Policygenius.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out!See omnystudio.com/listener for privacy information.

Resilience and Resistance Podcast
Zaneta Kelsey: Perseverance & Excellence in Tech

Resilience and Resistance Podcast

Play Episode Listen Later Aug 5, 2022 70:21


In this episode, we speak to Zaneta Kelsey, Founder at Delightsum, LLC, about her passion for elevating BIPOC voices in the tech field. We also discussed: Her work at IBM and many other tech companies in Seattle, Dallas and Denver. Zaneta shares her experiences being one of few, Black women in tech, and her struggles in battling the status quo of a White dominated industry. She shares the courage that she had to exhibit to continually who up and excel in spaces that were not created for her. Her upbringing prepared her to work in an industry with very little representation due to her father's example. The trauma that she experienced in childhood was mitigated by the love and stability she in her family. Watch this episode here - https://youtu.be/76fBHtX9kGoAbout our guest: Zaneta Kelsey has over 20 years of digital transformation experience. She began her career designing and consulting clients at the start of the e-commerce era before 2000. With deep industry insight and a passion for customer empathy and acquisition, she founded Delightsum. She consults clients in multiple industries from large B2B tech firms, tech start-ups, nonprofits and local small businesses. Her corporate consulting and executive background enables her to compassionately understand the annual goals that her clients are working towards and partner with them to collectively achieve. Zaneta's goal is to bring delight to her clients as they bring delight to the customers they serve. Zaneta is very active in the Colorado professional community. She has served as a State of Colorado Commissioner on the Business Experiential Learning Commission which led to her leading the Equity in Scholarship Taskforce as a board member of the Colorado Community College System Foundation Board. She is currently leveraging her expertise to build a model that supports and scales Colorado's tech companies owned by founders of color.Links:Marisol's website: https://www.marisolerlacher.com/Zaneta Kelsey's website: https://www.the-delightsum.com/Connect on LinkedIn or Instagram: Marisol - www.linkedin.com/in/marisol-solarte-erlacherZaneta- https://www.linkedin.com/in/zaneta-kelsey/Follow the Resilience & Resistance PodcastInstagram @Resilience_and_ResistanceWe have partnered with US Bank to support our communities like this one through responsive and humbled actions focused on addressing racial and economic inequities and creating lasting change through our Community Possible Grant Program,https://www.usbank.com/about-us-bank/community/community-possible-grant-program.htmlIf you are interested in Marisol Solarte-Erlacher supporting your business or organization by speaking or training on topics such as Work Trauma for BIPOC women, Racial Battle Fatigue, supporting mental health in traumatic times, and building resilience in employees and resilient leadership in BIPOC women. Contact her directly at marisol@marisolerlacher.com if you want to learn more. Check out exclusive offers from our sponsors and partners - https://www.theplug-agency.com/sponsorsProduction CreditsArt: Maite Nazario | http://www.maitenazario.comMusic: Inte-Gritty by Bianca MikahnPodcast Editing and Production: https://www.theplug-agency.comPowered by The Plug Podcast Network - https://art19.com/networks/the-plugSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Todd Herman Show
Yes, there is GREAT NEWS! Episode 243 - Hour 2 Now The Good News

The Todd Herman Show

Play Episode Listen Later Aug 3, 2022 53:41


THE THESIS: God has removed the scales from people's eyes. The schemes of the wicked have been exposed and their plans are beginning to crumble!  THE SCRIPTURE & SCRIPTURAL RESOURCES:  Ephesians 6:10-18 - The Whole Armor of God 10 Finally, be strong in the Lord and in the strength of his might. 11 Put on the whole armor of God, that you may be able to stand against the schemes of the devil. 12 For we do not wrestle against flesh and blood, but against the rulers, against the authorities, against the cosmic powers over this present darkness, against the spiritual forces of evil in the heavenly places. 13 Therefore take up the whole armor of God, that you may be able to withstand in the evil day, and having done all, to stand firm. 14 Stand therefore, having fastened on the belt of truth, and having put on the breastplate of righteousness, 15 and, as shoes for your feet, having put on the readiness given by the gospel of peace. 16 In all circumstances take up the shield of faith, with which you can extinguish all the flaming darts of the evil one; 17 and take the helmet of salvation, and the sword of the Spirit, which is the word of God, 18 praying at all times in the Spirit, with all prayer and supplication.  THE NEWS & COMMENT: The premier center for chemically and surgically mutilating children is closing its doors! While the America media will soft-peddle this (if they cover it at all), but this is massive blow to The Party! Tavistock's closure is a sign of things to come: the lawsuits by people who were conned into getting mutilated as teens will be expensive and will reveal this pure evil. The Tavistock bosses, no doubt, hope to be forgotten when those suits launch. We must forgive them, but we must not forget. Praise Jesus that place is being shut-down. BREAKING: The NHS is shutting down its gender identity clinic for children after a damning review found that it failed vulnerable under-18s But, the cult of Pharma is still devouring families in America and FOX News--the “news” division, that is--, CPAC and other shiny shoes are complicit. Cases like this happen all over America. But, God is at work . . . Chicago Mother Loses Custody of Her Daughter—For Insisting That Her Daughter Is A Girl Michael Shermer comments: “12-year old girl with no signs of gender dysphoria suddenly go trans, is directed by "psychotherapist" step-mother to separate from her mother, father gets full custody, mother's life is ruined. It's the 1990s Recovered Memory Movement redux . . .” In the UK, people can speak the truth that men are men and women are women! God uses broken vessels, look at me, a simple rodeo clown of a host. The Lord used a woman named Allison Bailey to attack the ungodly speech codes that exist to promote the lies of “transgender” ideology. She just won a major lawsuit.  How Allison Bailey crushed Stonewall; Its rainbow reign is finally over There are still some actual public servants left in the corrupt world of public health. Even in California, they are standing up to The Party's medical tyrants! Even in the separate Country of California, counties are fighting back against the corrupt self-identified “public” “health” “leaders” and “experts.”  Healthcare workers who refused the injections of the mRNA trash--or, were blackmailed into taking them--have won a significant court ruling and award. More importantly, this court award is on the desk of every lawyer for every medical institution in the Country. Health Care Workers Settle COVID Shot Mandate for $10.3 Million Elon Musk is no one's savior, let's be clear about that. But, watching him put focus in Wikipedia lying for The Party is a beautiful site to behold. God uses broken vessels . . .   Elon Musk blasts Wikipedia after it suspends edits of ‘recession' page Speaking of tech, Google has lost another round in their effort to be the best censor of The Party. Google just lost its motion to dismiss an antitrust suit brought by @rumblevideo. The ruling judge is an Obama appointee. The Mockingbirds have dug themselves into a hole from which no amount of human work can lift them [AUDIO] - On the taxpayer-funded PBS @NewsHour, anchor Judy Woodruff noted two quarters of economic slowdown, but a strong jobs market "muddies the picture." Biden denies the R-word. So "it's not knowable now if the country is technically in a recession." CNN gets absolutely nailed trying to pretend a town in North Carolina is a sewer of racism  Some Republicans are starting to get it!  West Virginia's State Treasurer: “This is how we beat ESG. We will not sit by and let banks boycott the lifeblood of our state. Banks on the Restricted Financial Institutions will be banned from banking contracts with the state of West Virginia. Props to US Bank for changing their policies – keep fighting!” And some professional Republicans are getting outed  REVEALED: Matt Schlapp's CPAC Took Six-Figure ‘Social Action' Donation from Soros-Linked ‘Dark Money' Network. Schlapp pretends Lia Thomas is a woman See omnystudio.com/listener for privacy information.

Marketplace Minute
Congress approves chip funding bill - Marketplace Minute - July 29, 2022

Marketplace Minute

Play Episode Listen Later Jul 29, 2022 1:50


$280 billion bill heads to Biden's desk; Shell, Pfizer post records in earnings reports; US Bank fined for fake accounts To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Why Your Bank Sucks
CFPB Fines US Bank Lunch Money For "Fake Account" Scandal - Why it's NOT like Wells Fargo!

Why Your Bank Sucks

Play Episode Listen Later Jul 29, 2022 46:45


2 Podcasts in 3 days. Just like pandemic times. I am doing an "emergency" podcast to discuss the CFPB fining US Bank, based in Minnesota, $37.5 Million for issues pertaining to unauthorized accounts (some call them 'fake accounts') for customers between 2010 and 2016. This is in line with the timeframe of the Wells Fargo stuff. I read the press release which I chuckle at for many reasons. How there is such disgust over "sales goals" for associates. I hated sales goals, but it seems like fake outrage, because every job has goals to it. Every bank, even beloved credit unions, have goals. How this fake account scandal seemed to target rich people and high-end products, that have annual fees like the $400 Premier Credit Card. If it was widespread, a lot of low-end cards would have been sold as deeply. This sounds like an isolated group of people selling to a small amount of wealthy clients who likely didn't know any better until someone else told them this was "fake". The Lameness of the CFPB Victim Fund, which sounds to me like no one is getting this money who was affected by it! CBS News Article about it I also talk about conflating it to Wells. Wells Fargo and US Bank here are nothing alike, because WF targeted everyone, and US Bank here seems to only focus on high end clients and high end products which helped escalate pay... This is an interesting story that needed context instead of trying to equate it with WF! NB Has recovered over $3.4 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 27,000+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!) MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanker --- Support this podcast: https://anchor.fm/thenotoriousbanker/support