Podcasts about Visa

Women entrepreneurs in finance and technology are being urged to 'back themselves' as applications open for the 2026 She's Next Visa Grant Programme. Empowered by Visa and aimed at closing the entrepreneurship gap in Ireland, She's Next 2026 will provide five women-owned businesses with €90,000 in business funding together with expert coaching, mentorship and additional resources to help their businesses thrive. For the first time, it also brings together some of Ireland's most respected businesswomen – Aimee Connolly (founder and CEO, Sculpted by Aimee), Breege O'Donoghue (former board member, Primark) and Gráinne Mullins (founder, Grá Chocolates) – who will provide mentorship to this year's five winners. Together with a range of Visa business supports, the winners will benefit from the experience and expertise of these exceptional business leaders, who have also been announced as judges for the 2026 She's Next programme. And, despite operating in different sectors and encountering different challenges, all three agreed on three defining factors for success: — Back yourself: Aimee Connolly said that self-belief can be the biggest hurdle to taking the next step in business. "Even the most successful businesspeople can suffer from imposter syndrome, but this is often predicated on feelings, not fact," she said. "Starting a business, dealing with challenges, setting high standards and showing genuine passion for what you are doing is proof of capability. So, recognise your capabilities and back yourself, and you'll have one less negative thing to deal with." — Seek mentorship early, not when you're struggling: Breege O'Donoghue in particular advises female founders to surround themselves with good people to accelerate growth early on, and proactively build networks before major growth periods. "Mentorship is a growth and confidence accelerator, the value of which cannot be underestimated," she said. "Build strong networks – not just within your own industry – and learn from others as you grow. But be generous and empathetic, and be willing to reciprocate by showing support to others too." — Perfection – the enemy of progress: According to Gráinne Mullins, many women wait until they feel 'ready' before pitching or applying for funding. But, says the Galway woman, if you wait until you feel 100% ready, you may never take that next step. "Perfection is the enemy of progress, and rather than wait for everything to be 'perfect', I encourage women entrepreneurs to pursue their goals with vision and focus. Taking the next step, regardless of what stage you are at in your journey, could be the difference between opportunity realised and opportunity missed." Speaking at the launch of the 2026 She's Next Programme, Ines Obtinalla, Ireland Head of Marketing at Visa, said: "While progress has been made, women entrepreneurs in Ireland are still facing barriers to funding and mentorship. Visa backs small businesses with big ambitions, and this programme will deliver the resources and expertise to power our five winners' next steps. "The advice from the mentors is clear: backing yourself isn't just a mindset, it's a catalyst for growth, and that's exactly what the She's Next programme is designed to support. We've already seen the positive impact of previous programmes, where funding and mentorship have empowered women business owners to turn ambition into action. With Visa championing their progress, businesses haven't just grown; many have scaled, innovated and created lasting impact. So, if you're ready to take the next step in your business journey, now is the time to apply." 2026 Visa She's Next – What Winners Receive Four women entrepreneurs will each receive €10,000; one overall winner will receive €50,000 All winners will receive mentoring from three of Ireland's leading businesswomen: Aimee Connolly, Breege O'Donoghue and Gráinne Mullins Individual and group pitch preparation sessions Access to ongoing supports available through Vi...

O Cartão Village é da bandeira Visa, emitido pela CREDZ O Cartão Village pode ser utilizado no Brasil, no exterior e em compras online.O Cartão Village é um meio de pagamento que pode ser usado em estabelecimentos físicos e plataformas digitais, oferecendo aceitação ampla para compras em diversas categorias. Emitido pela CREDZ, o cartão possui a bandeira Visa, o que possibilita sua utilização em uma rede global de lojas, restaurantes e serviços. Além disso, ele é compatível com compras realizadas por meio de aplicativos e sites, facilitando pagamentos online. Solicite o seu cartão de créditohttps://tinyurl.com/39n45vd4CÓDIGOS DE INDICAÇÃO CARTÃO DE CRÉDITOhttps://bit.ly/3RuEZ21GRUPO GRATUITO NO WHATSAPPhttps://tinyurl.com/5n79dtkmLivros sobre Educação Financeira https://amzn.to/47uuEY2Nosso site https://girofinanceiro.com.br/Canal do Youtube https://tinyurl.com/43jux7mr

In this conversation, Daniel Daly shares his journey from the automotive industry to real estate investment, focusing on international opportunities, particularly in Portugal. He discusses the advantages of the Portugal Golden Visa program, the challenges of building a network abroad, and the importance of customer experience in hospitality. Daniel emphasizes the need for effective delegation and the impact of tourism on property values in Europe. He also addresses the evolving regulations in real estate investment and the benefits of having a visa or citizenship in another country, especially for retirement.TakeawaysBringing an outside perspective can be advantageous in real estate.The first year in real estate is crucial for learning and networking.Investing in international real estate can offer better returns.The Portugal Golden Visa allows for residency through investment.Finding the right local partners is essential for success abroad.Customer experience is key in the hospitality industry.Regulations in real estate are always changing; stay informed.Effective delegation is necessary for growth in business.Tourism significantly impacts property values in Europe.Visa benefits can enhance retirement options and travel flexibility.Chapters:00:00 Introduction to Daniel Daly and His Background01:54 Transitioning from Automotive to Real Estate04:44 The Learning Curve in Real Estate07:35 Investing in International Real Estate10:03 Understanding the Portugal Golden Visa12:46 Challenges in Building a Network Abroad15:14 The Importance of Customer Experience in Hospitality17:52 Navigating Changes in Investment Regulations20:29 Managing Properties and Delegating Tasks23:18 Identifying Investment Opportunities25:55 Visa Benefits and Retirement Options in Portugal28:30 Closing Thoughts and Rapid Fire Questions33:54 outro.mp4Keywordsreal estate, international investment, Portugal Golden Visa, hospitality, property management, investment strategies, multifamily real estate, tourism, networking, customer experienceWork With RealDealCrewIf you're already closing deals but your intake, follow-up, or visibility feels inconsistent, here are two ways to go deeper:Take the Deal Intake AssessmentSee how resilient your current operation actually is.→ https://assessment.realdealcrew.comBook a Fit CallIf you want to explore what a fully system-driven deal flow looks like, let's talk.→ https://realdealcrew.com/bookLIKE • SHARE • JOIN • REVIEWWebsiteApple PodcastsYouTubeYouTube MusicSpotifyAmazon MusicFacebookTwitterInstagramMentioned in this episode:intro to RealDealCrewbook a Fit Call at RealDealCrew.com

In addition to the price hike, the federal government has introduced further changes. - Bukod sa taas presyo, may mga dagdag na pagbabago ang pederal na gobyerno.

Leading Across Cultures – What Most Executives Get Wrong

China is stepping up efforts to promote the integration of culture and tourism and share its landscapes, culture, history and modern life with visitors from around the world, Minister of Culture and Tourism Sun Yeli said on Saturday.中国文化和旅游部部长孙业礼周六表示，中国正加大力度推动文旅融合，向全球游客展现中国的自然风光、文化、历史以及现代生活。Speaking at a news conference on people's livelihood during the fourth session of the 14th National People's Congress, China's top legislature, Sun said that authorities will continue improving the entire inbound tourism chain, including visa, border clearance, transportation, accommodation, catering and sightseeing services, to make traveling to China easier and more convenient.在全国最高立法机关 —— 第十四届全国人民代表大会第四次会议期间召开的民生新闻发布会上，孙业礼表示，有关部门将持续完善入境旅游全链条服务，涵盖签证、边检、交通、住宿、餐饮和观光等环节，让赴华旅行更加便捷易行。The measures aim to strengthen the global campaigns "Travel in China", "Shopping in China" and "Services in China", he added.他补充称，这些举措旨在强化 “畅游中国”“购物中国”“服务中国” 全球推广活动。In recent years, China has introduced a series of policies to boost inbound tourism. In 2025, inbound tourist trips exceeded 150 million, a year-on-year increase of over 17 percent, while inbound tourism spending surpassed $130 billion, up more than 40 percent year-on-year.近年来，中国出台一系列政策提振入境旅游。2025 年，入境游客量超 1.5 亿人次，同比增长超 17%；入境旅游消费超 1300 亿美元，同比增长超 40%。Visa facilitation has continued to expand, with unilateral visa-free access extended to citizens of 50 countries and visa-free transit policies covering 55 countries. Last year, more than 30 million foreign visitors entered China under visa-free policies.签证便利化持续推进，单方面免签政策惠及 50 个国家公民，55 个国家适用免签过境政策。去年，超 3000 万外国游客凭免签政策入境中国。"Taking a spontaneous trip to China has now become a real possibility," Sun said.孙业礼表示：“如今，来一场说走就走的中国之旅已成为现实。”Authorities have also improved payment services for overseas visitors by linking international bank cards to mobile payment platforms, expanding point-of-sale terminals and increasing currency exchange services to accommodate different payment habits.有关部门还优化了境外游客支付服务，将国际银行卡与移动支付平台对接，扩充销售终端，并增设货币兑换服务，以适配不同支付习惯。Mobile payments have expanded rapidly. Among visitors from countries such as Kazakhstan and Malaysia, more than 80 percent now use mobile payment services. Last year, the total value of mobile payment transactions among inbound tourists reached about 80 billion yuan ($11.6 billion).移动支付普及迅速。哈萨克斯坦、马来西亚等国来华游客中，超 80% 使用移动支付服务。去年，入境游客移动支付交易总额约 800 亿元人民币（合 116 亿美元）。Tax refund services have also become more convenient, with more service points and instant refund options available at some stores. As a result, foreign visitors are purchasing a wider range of Chinese products — from electronics such as smartphones, drones and virtual-reality devices to cultural and creative goods.退税服务也更便捷，新增服务网点，部分门店支持即时退税。由此，外国游客可选购的中国商品种类愈发丰富，涵盖智能手机、无人机、虚拟现实设备等电子产品，以及文创产品。Sun said that stronger promotion of China's tourism image has helped overseas visitors gain a deeper understanding of the country, while experiencing the Chinese lifestyle has become increasingly popular among international visitors.孙业礼表示，加大中国旅游形象推广力度，助力外国游客更深入了解中国，体验中国生活方式也成为国际游客的热门选择。At the same time, China is promoting deeper integration between culture and tourism to create new travel experiences and boost consumption. In 2025, domestic tourist trips exceeded 6.5 billion, up more than 16 percent year-on-year, while tourism spending reached 6.3 trillion yuan, an increase of 9.5 percent — setting records in both volume and spending.与此同时，中国推动文旅深度融合，打造新型旅游体验、刺激消费。2025 年，国内游客量超 65 亿人次，同比增长超 16%；旅游消费达 6.3 万亿元人民币，增长 9.5%，客流量与消费额均创历史新高。Sun said that tourism is becoming increasingly connected with sectors such as sports, commerce, agriculture and industry, while new technologies are helping develop innovative tourism products and services.孙业礼表示，旅游与体育、商贸、农业、工业等产业的关联度持续提升，新技术助力旅游产品与服务创新。"Tourism today is no longer only about visiting scenic spots. More and more travelers want to experience the local life and take part in cultural activities," he said.他说：“如今的旅游不再只是逛景点，越来越多游客希望体验当地生活、参与文化活动。”The ministry will encourage more travel programs linked to performances, intangible cultural heritage experiences and sporting events, while supporting new business models that combine tourism with other industries to create new growth opportunities, he added.他补充称，文旅部将鼓励推出更多演艺、非遗体验、体育赛事类旅游项目，同时支持旅游与其他产业融合的新业态，培育新的增长机遇。integration /ˌɪntɪˈɡreɪʃn/ 融合；整合facilitation /fəˌsɪlɪˈteɪʃn/ 便利化；促进transaction /trænˈzækʃn/ 交易；业务heritage /ˈherɪtɪdʒ/ 遗产；传统

Spain killed its golden visa in April 2025, but three residency routes remain open. Here's how other programs fit in.View the full article here.Subscribe to the IMI Daily newsletter here. 

How to Move to Mexico: Visas, Costs, Taxes, and the Best Places to Live Mexico is one of the most popular countries in the world for Americans who want a lower cost of living, a warmer climate, and a richer day to day culture without moving halfway across the planet. Many expats are retirees, remote workers, or entrepreneurs who find that their money goes further while they gain a more relaxed lifestyle. For someone in the southwestern U.S. (like Arizona), Mexico is especially appealing because you can often drive instead of fly, keep close ties with friends and family, and still feel like you've made a big lifestyle upgrade. This guide walks through why and where to move, what it really costs, how visas work, how Mexican taxes function, when you might owe them, and other real world considerations that don't always show up in glossy travel articles. ________________________________________ Why move to Mexico? People move to Mexico for a mix of financial, personal, and lifestyle reasons. You can open this section with a simple story: for example, a couple selling a house in the U.S., paying cash for a home or condo in Mexico, and cutting their monthly expenses nearly in half while eating better and traveling more. Key motivations to highlight: Lower cost of living Mexico's overall cost of living is significantly lower than in the U.S. Rents in many Mexican cities are substantially cheaper than comparable U.S. cities, groceries and fresh produce are affordable, and services like cleaning, childcare, and home repairs cost far less. A couple who spends 5,000 USD per month in the U.S. can often live comfortably in Mexico on 2,000–3,500 USD per month, depending on city and lifestyle. Proximity and connectivity Unlike moving to Europe or Asia, living in Mexico means you're usually one flight away from your U.S. hometown. Major cities like Mexico City, Guadalajara, Monterrey, Cancún, and Mérida have robust air connections. Internet infrastructure has improved a lot; mid size cities now often have fiber optic service, making remote work highly feasible. Lifestyle and climate variety Mexico is huge and geographically diverse. You can choose from: • Coastal beach towns with surf culture and sunsets • High altitude colonial cities with spring like weather • Mega cities with world class dining, museums, and nightlife • Smaller, artsy towns with vibrant local traditions You get to decide whether you want small town community, cosmopolitan buzz, or something in between. Culture, food, and community You'll never run out of festivals, markets, and regional dishes. For many expats, the biggest upgrade isn't just cheaper rent, but living in a place where there's always music in the plazas, food in the streets, and a sense of community. In many popular locations, there is also an established expat network to help you orient. Healthcare Private healthcare in Mexico is dramatically more affordable than in the U.S. Many expats pay out of pocket for routine care and buy local or international health insurance for major events. In larger cities you'll find modern hospitals and specialists, and in some cases doctors who trained abroad. ________________________________________ Where to move in Mexico Mexico isn't a single experience. Moving to Oaxaca is very different from moving to Mazatlán or Guadalajara. This section should help you “try on” a few places in your imagination. Mexico City Vibe: Big city, cosmopolitan, urban energy. Pros: World class restaurants, museums, art, music, and nightlife; excellent air connections; plenty of coworking spaces and job opportunities with international companies. Cons: Higher rents than many other Mexican cities, traffic and air pollution, security can vary by neighborhood. Mexico City suits people who want an urban life and don't mind density. It works well for younger professionals or creatives, and for remote workers who want big city culture at a lower price than New York, LA, or San Francisco. Guadalajara Vibe: Large city with a strong tech scene and traditional Jalisco culture (mariachi, tequila). Pros: Big city services without quite the chaos of Mexico City, growing startup and tech ecosystem, nearby towns and lakes for weekend escapes. Cons: Some neighborhoods can feel sprawling; traffic is very real; summers can be hot. Guadalajara is a good fit for remote workers and entrepreneurs who want a mix of modern infrastructure and traditional Mexican character. Lake Chapala (Ajijic/Chapala) Vibe: Classic retiree and snowbird destination near a large lake. Pros: Mild climate, large English speaking expat community, social clubs and activities, walkable village feel in places like Ajijic. Cons: Heavy expat presence can make it feel less “Mexican” to some; limited big city amenities compared to Guadalajara. This area is ideal for retirees who want community, comfort, and a gentle pace of life within reach of a major city. San Miguel de Allende Vibe: Picturesque colonial city, artsy, charming, and heavily international. Pros: Beautiful historic center, strong arts and cultural scene, plenty of restaurants and galleries. Cons: One of the more expensive inland cities; tourism and expat presence drive up housing costs. San Miguel appeals to people who prioritize aesthetics, architecture, and culture and are willing to pay a premium. Querétaro Vibe: Clean, orderly, fast growing city with industry and a large middle class. Pros: Safe reputation, good infrastructure, beautiful colonial center, strong job market in manufacturing and services. Cons: Less “touristy charm” in some newer suburbs; housing prices have been rising with growth. Querétaro works well for families and professionals who want a modern, organized city with good schools and services. Puebla Vibe: Historic, livable city with serious food culture and nearby nature. Pros: Gorgeous colonial architecture, famous cuisine (like mole poblano), access to mountains and smaller towns, a mix of traditional markets and modern malls. Cons: Higher altitude and cooler winters than coastal areas; still under the radar for many expats, so less English support than in Lake Chapala or San Miguel. Puebla suits people who love culture, gastronomy, and city life but don't need a huge expat bubble. Oaxaca City Vibe: Cultural and culinary capital with strong Indigenous traditions and arts. Pros: Outstanding food, vibrant markets, year round festivals, access to mountains and rural communities, often lower rents than more famous expat hubs. Cons: Smaller airport and fewer direct international flights; infrastructure can be a bit more rustic compared to megacities. Oaxaca is great for people who want deep culture, don't mind a bit of grit, and prefer authenticity over polish. Mérida and the Yucatán Vibe: Colonial city, family friendly, often cited for safety. Pros: Strong sense of community, rich history, cenotes and beaches nearby, growing expat scene. Cons: Hot and humid much of the year; air conditioning can be essential. Mérida appeals to families, retirees, and anyone who wants a mix of culture and relative safety in a warm climate. Puerto Vallarta / Riviera Nayarit Vibe: Beach town/medium city with a strong expat and LGBTQ+ community. Pros: Ocean, sunsets, whale watching, strong tourism economy, many English speaking services, international airport. Cons: Housing and dining in tourist zones are more expensive; high season crowds; summer humidity. This is an easy landing spot if you want a beach lifestyle and community support from day one. Mazatlán Vibe: Working port city with long beaches and a growing expat presence. Pros: Ocean side living, more “local” feel than some resort towns, improving infrastructure, cost of living that can be lower than in ultra commercial tourist areas. Cons: Humid climate; parts of the city feel industrial; some areas are still rough around the edges. Mazatlán is appealing if you want the Pacific coast without the heavy commercialization and highest prices of places like Los Cabos or Cancún. Place Vibe Big Pros Main Tradeoffs Mexico City Mega‑city Culture, jobs, flights Cost, traffic, pollution Guadalajara Big, traditional Tech scene, culture Sprawl, traffic Lake Chapala Retiree village Mild climate, expat community Fewer urban amenities San Miguel Artsy colonial Beauty, culture Higher housing costs Querétaro Modern, orderly Safety, infrastructure Rising prices Puebla Historic, foodie Cuisine, architecture, nature nearby Less expat support Oaxaca City Cultural hub Food, festivals, affordability Smaller airport, rustic edges Mérida Warm, family‑oriented Safety, history Heat and humidity Puerto Vallarta Beach city Ocean, expat support Tourist prices in key areas Mazatlán Port/beach city More local feel, coast Humidity, some gritty areas ________________________________________ Cost of living in Mexico Readers want numbers, but it's better to provide realistic ranges and examples than a single “magic” figure. Basic cost structure Housing Rents vary wildly by location. A modest one bedroom in a non touristy city might rent for the equivalent of a few hundred dollars per month. In upscale neighborhoods of Mexico City or popular beach towns, modern apartments can cost as much or more than many mid tier U.S. cities. Utilities and internet Electricity is affordable unless you run heavy air conditioning all year, which you might need on the coasts and in the lowlands. Internet and mobile service are reasonably priced, with fiber available in many urban areas. Food and groceries Fresh fruits, vegetables, and staples are cheap, especially if you shop in local markets. Imported items (certain cheeses, specialty products) are more expensive. Eating at local restaurants and street food stalls is inexpensive; high end dining in major cities is still far cheaper than equivalent places in the U.S. Transportation Public transit, taxis, and app based rides are affordable. Owning a car involves fuel, insurance, and maintenance costs, but these are usually lower than in the U.S. You can often live car free in dense cities like Mexico City, Guadalajara, or Puebla. Example monthly budgets (rough, per household) Frugal single in a non touristy city • Rent (studio/1 bed): 400–600 USD equivalent • Utilities and internet: 70–120 • Groceries and local dining: 250–350 • Local transport and misc.: 100–150 • Total: roughly 800–1,200 USD per month Comfortable couple in a mid range city • Rent (nice 2 bed apartment): 700–1,200 USD • Utilities, internet, mobile: 120–200 • Groceries and eating out several times a week: 400–600 • Health insurance (local or international): 200–400 • Transport, entertainment, gyms, etc.: 200–400 • Total: roughly 1,600–2,800 USD per month Beach town or premium neighborhood living In high demand areas (like parts of Puerto Vallarta, San Miguel de Allende, or prime zones in Mexico City), you can easily spend 2,500–4,000 USD per month or more for a couple if you choose modern housing, eat out frequently, and live a more upscale lifestyle. Startup costs Don't forget one time or irregular costs: • Visa fees for temporary or permanent residency • International flights or moving your belongings • First month's rent plus deposit (sometimes more for furnished places) • Basic furniture and household goods if you're not renting furnished • Car purchase or import (if you choose to have one) Encourage readers to arrive with a cash cushion: at least 3–6 months of living expenses plus relocation costs. ________________________________________ Visa options and residency paths Mexico's visa system offers several ways to stay, depending on your plans and finances. Tourist stay Many foreigners enter Mexico as tourists without a visa and receive permission to stay up to a certain number of days (often up to 180 days, but it is not guaranteed). A tourist stay: • Does not allow you to work for Mexican employers • Does not let you access local residency benefits • Is not meant as a long term “back to back” solution Tourist entries are good for exploration trips but not for a full time move. Temporary resident (Residente Temporal) Temporary residency is the most common path for people who want to live in Mexico for more than six months without immediately going permanent. General characteristics: • Usually granted initially for 1 year, with the possibility to renew up to 4 years • Allows you to live in Mexico full time, open local bank accounts, and sometimes get local health coverage • Does not automatically grant permission to work; if you plan to work in Mexico you need work authorization attached to your residency Most temporary residents qualify via financial solvency (proof of income or savings). Typical recent numbers: • Monthly income requirement: roughly in the low to mid 4,000 USD range for the last 6–12 months, depending on the consulate • Savings/investment requirement: often in the high five figures to low six figures in USD equivalent, again varying by consulate Each Mexican consulate sets its own exact thresholds and evidence rules, so readers must always check with the specific consulate where they'll apply. Permanent resident (Residente Permanente) Permanent residency is ideal if you plan to live in Mexico indefinitely. Characteristics: • No need for frequent renewals • Lets you live in Mexico as long as you like • Often used by retirees or those with strong ties to Mexico (like family connections) You can qualify either: • Directly from abroad if you meet higher income or savings requirements, often thousands of dollars more per month than temporary residency; or • By first holding temporary residency for several years (for many, 4 years), then converting to permanent status inside Mexico. Again, the exact thresholds and documentation depend on the consulate and can change year to year. Work visas and business If you plan to work for a Mexican employer or run a Mexican company that needs your presence, you need proper work authorization. Basic ideas: • A Mexican employer can sponsor you for a temporary resident visa with permission to work if they are registered with the immigration authorities. • You cannot legally work in Mexico for a Mexican entity on a tourist visa. • If you intend to start a business (for example, a hotel, restaurant, or tourism operation), you'll need legal and tax advice to structure it correctly and secure the right visa. ________________________________________ Visa process: step by step overview You can treat this as a checklist. 1. Clarify your plan Decide how long you want to stay and whether you'll work, retire, or just live on savings or remote income. That determines whether you need temporary or permanent residency, and whether you need work authorization. 2. Choose a consulate and check requirements Review the website of the Mexican consulate you'll use (near your U.S. residence, for example). Requirements vary: one might emphasize income, another savings; some want 12 months of bank statements, others 6. 3. Gather documents Typical documents include: passport, completed application form, passport photos, bank and/or investment statements, pension or Social Security award letters, marriage or birth certificates if applying with family members. 4. Book and attend the consulate appointment You'll have a short interview, submit your documents, and pay a fee. If approved, the consulate places a visa sticker in your passport, usually valid for a limited period to enter Mexico and “activate” your residency. 5. Enter Mexico and finalize at immigration (INM) Within a set number of days after entering Mexico on your new visa (often 30 days), you must go to your local immigration office, complete forms, pay fees, and provide biometrics to receive your residency card. 6. Renew or convert (for temporary residents) Temporary residents must renew before their card expires, often annually at first. After the allowed number of years, many can convert to permanent residency. Many applicants use a local immigration facilitator or attorney, especially if their Spanish is limited or if they have a more complex case. ________________________________________ How Mexican taxes work This is where readers start wondering, “How much are Mexican taxes, and what do they tax?” Income tax (ISR) Mexico has a progressive income tax called ISR (Impuesto Sobre la Renta) that applies to individuals. For tax residents (people who are considered resident in Mexico for tax purposes): • The system uses progressive tax brackets. • Rates start at low single digits on small incomes (around 1.9%) and rise stepwise. • The top marginal rate is around 35% on high incomes (at several million pesos per year). • Most employment income is taxed through withholding by the employer, with an annual true up in a tax return. For non residents (people who are not tax resident in Mexico but have Mexican source income): • There is usually an exemption for a small initial amount of income. • Above that, one common pattern is 15% tax on mid range income and 30% on higher income, depending on the type and level of income. You don't need to quote exact peso thresholds to readers; it's enough to say that most ordinary incomes are taxed at moderate rates, while high incomes pay up to about 35%. What income do they tax? For Mexican tax residents, Mexico generally taxes worldwide income: • Wages and salaries from Mexican or foreign employers • Self employment and business income • Rental income from property in Mexico or abroad • Interest, dividends, and capital gains • Some pensions and retirement income, depending on the source and treaties For non residents, Mexico usually taxes only Mexican source income: • Income from work physically performed in Mexico • Rental income from Mexican real estate • Business profits from a Mexican business or permanent establishment • Some Mexican source interest and dividends If your readers are U.S. citizens, remind them: they must still file a U.S. tax return even if they also become Mexican tax residents, and they may be able to offset Mexican taxes through tax credits or exclusions. Value added tax (IVA) Mexico's sales tax is a value added tax called IVA. • The standard IVA rate is 16%, applied to most goods and services, including many consumer purchases and professional services. • There is a reduced rate (often around 8%) in certain border regions to promote competitiveness. • Some items are zero rated or exempt: many basic foods, some medicines, exports, certain types of housing, and some education and health services. As a consumer, you see IVA embedded in most prices, much like sales tax in the U.S. For businesses (like a hotel or restaurant), you collect IVA on sales and remit it to the government. Other common taxes and contributions Depending on what you do in Mexico, you might also encounter: • Social security contributions for employees (if you work for a Mexican employer) • Property taxes (predial), which are generally much lower than typical U.S. property taxes on a comparable property • Vehicle registration fees if you own a car You don't need to go into detail here, but it's worth flagging that these exist and are part of the overall tax picture. ________________________________________ Tax examples: retiree, remote worker, and Mexican employed American These simplified examples assume the person has become a Mexican tax resident (over 183 days per year in Mexico and/or center of vital interests in Mexico). Real world outcomes depend on exact numbers, deductions, the current year's brackets, and treaty interpretation, so they are for illustration only and not tax advice. Example 1: Retiree getting 30,000 USD/year in U.S. Social Security Assumptions: • 30,000 USD/year in U.S. Social Security, no other income. • Exchange rate of 18 MXN per USD → 540,000 MXN/year. • Lives in Mexico full time and is treated as a tax resident. Key points: • Foreign pensions, including U.S. Social Security, may need to be reported to the Mexican tax authority (SAT) once you are a Mexican tax resident. • In practice, some advisors and expats find that U.S. Social Security and U.S. retirement distributions are primarily taxed in the U.S., with Mexico focusing more on Mexican source income, but the safest assumption is that Mexico can tax worldwide income and may expect you to declare it. How you might explain it to readers: • If you are a retiree with 30,000 USD/year in Social Security and no other income, you will still deal with U.S. tax rules on that income. • Once you become a Mexican tax resident, Mexico may require you to report that income, but whether they actually tax it depends on treaty rules and how your situation is interpreted. • A cross border tax professional can tell you whether you'll see any Mexican tax on that Social Security or whether your liabilities remain mostly on the U.S. side. Plain English takeaway: retirees living on moderate U.S. Social Security often don't get hammered by Mexican income tax, but they should plan on at least reporting their income and coordinating U.S. and Mexican filings. Example 2: Remote American worker living in Mexico, making 80,000 USD/year from a U.S. employer Assumptions: • 80,000 USD/year salary from a U.S. company, work performed remotely while living in Mexico. • Exchange rate 18 MXN/USD → 1,440,000 MXN per year. • Spends more than 183 days/year in Mexico, so is a Mexican tax resident. Key points: • Mexico taxes its residents on worldwide income, which includes your U.S. salary. • If you are effectively working from Mexico, Mexico views that as Mexican taxable employment or self employment income, even if your employer is in the U.S. Approximate effect: • At around 1.44 million MXN/year, you'll be in higher ISR brackets, facing a top marginal rate of 35% on the upper slice of your income and a blended effective rate likely in the low to mid 20% range, after standard calculations. • You still file a U.S. return every year. • You may use the Foreign Earned Income Exclusion and/or foreign tax credits to prevent being fully taxed twice. If you're a U.S. citizen working remotely from Mexico and earning 80,000 USD/year from a U.S. employer, expect to owe Mexican income tax as a resident and still file a U.S. return. The good news is that, with proper planning, Mexican tax you pay can usually be credited against your U.S. tax so you're not double taxed on the same income. Example 3: American earning 60,000 USD/year from a Mexican employer Assumptions: • American citizen employed by a Mexican company, working in Mexico. • 60,000 USD/year salary → 1,080,000 MXN/year at 18 MXN/USD. • Treated as a Mexican tax resident. Key points: • This is clearly Mexican source employment income. • Your Mexican employer will withhold ISR from your paycheck based on the progressive tables, plus social security and other payroll contributions. • At roughly 1.08 million MXN/year, you're again in higher brackets, with an effective tax rate that can land roughly in the low to mid 20% range, depending on deductions and credits. • As a U.S. citizen, you still file a U.S. tax return but can typically use foreign tax credits and, possibly, the Foreign Earned Income Exclusion to avoid paying full tax twice. If you're an American making about 60,000 USD/year working for a Mexican employer, you'll see Mexican taxes withheld from every paycheck and you'll still file in the U.S., but in many cases the Mexican tax you pay will substantially offset what you owe the IRS. ________________________________________ When do you have to file Mexican taxes? Taxes depend on tax residency, not just on immigration status (visa type). When do you become a Mexican tax resident? Mexico may treat you as a tax resident when: • You spend more than 183 days in Mexico in a calendar year; or • Mexico is the “center of your vital interests,” meaning your main economic or family ties are there (for example, your spouse and minor children live in Mexico and you earn most of your income from Mexican sources). Residency for tax purposes is a legal determination, not just a personal choice, so it's wise to consult a tax professional if you're unsure. Filing and paying For Mexican tax residents: • Individuals generally file an annual income tax return, often in the spring of the following year (recent years use April 30 as a common deadline). • Some types of income require monthly provisional payments. • Employers withhold tax on salary, and banks or brokers may withhold on interest and other income. For non residents: • Mexican tax is often withheld at source by the payer (for example, a Mexican employer or tenant), at the applicable non resident rates. A simple rule of thumb for your readers: • If you spend less than 183 days in Mexico per year and don't earn Mexican source income, you usually don't file a Mexican tax return (but you still file in your home country). • If you live in Mexico most of the year, own a business there, or earn income from Mexican property or employment, expect to deal with Mexican tax returns and possibly to be treated as a tax resident. Always encourage readers to get cross border tax advice, especially U.S. citizens who may need to coordinate U.S. and Mexican returns. ________________________________________ Other important considerations Rounding out the blog with practical and cultural issues makes it feel grounded. Healthcare and insurance • Many expats use a combination of local private healthcare and insurance (either Mexican private plans or international expat policies). • Some long term residents enroll in Mexico's public healthcare system, but quality and access can vary by region. • Before moving, review how your current health insurance will work abroad and plan for major emergencies. Banking and money • Most people keep at least one bank account in their home country and open a Mexican account after they get residency, making it easier to pay rent and utilities. • Money transfer services and online banks can offer better exchange rates and lower fees than traditional bank wires. • U.S. citizens must also be mindful of foreign account reporting requirements (like FBAR and FATCA). Renting vs buying property • Renting first is usually smart. It gives you time to test neighborhoods, understand noise patterns, get a feel for the climate, and decide if you really like the city. • Buying property in Mexico can be attractive, especially in less expensive markets, but there are legal nuances, including special structures (like fideicomisos) for coastal and border properties. • Using a reputable notario (a specialized legal official) and real estate professionals is critical. Safety • Safety in Mexico is highly regional and neighborhood specific. Some places are very comfortable for day to day life, while others have serious security issues. • Research specific cities and neighborhoods, use recent data, and talk to locals and expats on the ground, not just headline news. • As in any country, common sense precautions (knowing where not to go at night, avoiding displays of wealth, learning local norms) go a long way. Language and integration • Learning Spanish is one of the best investments an expat can make. Even basic Spanish opens doors: cheaper local services, smoother dealings with bureaucracy, better relationships with neighbors. • Integration means respecting local customs, supporting local businesses, and avoiding “little bubble” lifestyles where expats only interact with each other. Working or running a business • Anyone planning to run a hotel, restaurant, tour company, or other business in Mexico needs clarity on immigration status, work authorization, and tax obligations. • A business that employs locals (for example, a hotel/restaurant concept in Puebla or a tourism operation in Oaxaca or Mazatlán) can be both profitable and socially impactful, but it requires upfront planning with local lawyers, accountants, and immigration professionals. • Operating “informally” or on a tourist visa can create serious immigration and tax problems.

Matt and Nic are back for another week of news and deals. In this episode:  What Dario Amodei and SBF have in common Trump wades in to the market structure debate and asks the banks to come to the table Why stablecoins are not like banks Kraken Financial gets a skinny Fed master account Visa and Bridge are rolling out stablecoin-linked cards The FBI arrests a suspect accused of stealing $46m in BTC from the US marshalls Morgan Stanley is coming out with their own Bitcoin ETF The Aave token governance controversy rumbles on Kalshi's traders are upset about their "death market" policy Content mentioned in this episode: The CIV Youtube Channel Alpen Labs, Size Matters: Architecting BTC Credit Markets

The world is ready for the first-ever 48-team FIFA World Cup, but as 2026 kicks off, the "Beautiful Game" is facing its most dangerous opponent yet. In this episode, we peel back the festive veneer of the upcoming tournament to examine the high-stakes geopolitical tightrope walk across North America. We dive into the terrifying influence of the Sinaloa and CJNG cartels in Mexico, the controversial U.S. visa restrictions threatening to lock out thousands of fans, and the massive security operation scrambling to protect the Estadio Azteca. Can the spirit of football survive a landscape of "hugs, not bullets" and political border wars? Or will the 2026 World Cup be remembered more for its shadow league than its trophy lift? 2026 FIFA World Cup, Mexico cartel security, U.S. visa ban 2026, World Cup travel safety, North America 2026 politics.

Saint Lucia's CBI program registered 5,642 applications in 2023-24, up 423%, and London calls the practice "inherently high-risk."View the full article here.Subscribe to the IMI Daily newsletter here. 

Find Dr. Andrew Kaufman HERE: https://www.andrewkaufmanmd.com/ GET YOUR WAV WATCH HERE: https://buy.wavwatch.com/WAM Use Code WAM to save $100 and purchase amazing healing frequency technology! GET HEIRLOOM SEEDS & NON GMO SURVIVAL FOOD HERE: https://heavensharvest.com/ USE Code WAM to save 25% plus free shipping! BUY GOLD HERE: https://firstnationalbullion.com/schedule-consult/ Avoid CBDCs! HELP SUPPORT US AS WE DOCUMENT HISTORY HERE: https://gogetfunding.com/help-keep-wam-alive/# Josh Sigurdson talks with Dr. Andrew Kaufman at Anarchapulco 2026 about the incoming surveillance state and the digital ID system as new policies are rolled out rapidly, forcing those who want convenience into the new order. Psychologically it makes sense. People will do that which is convenient and easy over that which is more beneficial but more difficult. The technocratic system is built on convenience. People will throw away their very humanity (independence) for something easy. Tyranny comes under the guise of convenience. Today, we have cameras being placed all over the interstate system with facial recognition and license plate readers. President Trump is bringing in new policies to force people to show 5 years of social media history in order to enter the United States. This is quite literally social credit. Add to that 10 years of email history, photo metadata and biometrics and it is clear this is part of the roll out of the digital ID system. In fact some states already have the digital ID for internet identification and age restrictions. Real ID has been mandated for a year now and artificial intelligence has been one of the highest funded initiatives including the use of it for militarism. As people are impoverished, the Central Bank Digital Currency (CBDC) is being developed. But even if it is not directly via the central banks, like VISA and Mastercard, it could be made inescapable. Dr. Kaufman talks in this video about the incoming dangers as well as his hopefulness for real solutions in the future. Stay tuned for more from WAM! Get Your SUPER-SUPPLIMENTS HERE: https://vni.life/wam Use Code WAM15 & Save 15%! Life changing formulas you can't find anywhere else! Get local, healthy, pasture raised meat delivered to your door here: https://wildpastures.com/promos/save-20-for-life/bonus15?oid=6&affid=321 USE THE LINK & get 20% off for life and $15 off your first box! DITCH YOUR DOCTOR! https://www.livelongerformula.com/wam Get a natural health practitioner and work with Christian Yordanov! Mention WAM and get a FREE masterclass! You will ALSO get a FREE metabolic function assessment! GET YOUR APRICOT SEEDS at the life-saving Richardson Nutritional Center HERE: https://rncstore.com/r?id=bg8qc1 Use code JOSH to save money! SIGN UP FOR HOMESTEADING COURSES NOW: https://freedomfarmers.com/link/17150/ Get Prepared & Start The Move Towards Real Independence With Curtis Stone's Courses! GET YOUR FREEDOM KELLY KETTLE KIT HERE: https://patriotprepared.com/shop/freedom-kettle/ Use Code WAM and enjoy many solutions for the outdoors in the face of the impending reset! PayPal: ancientwonderstelevision@gmail.com FIND OUR CoinTree page here: https://cointr.ee/joshsigurdson PURCHASE MERECHANDISE HERE: https://world-alternative-media.creator-spring.com/ JOIN US on SubscribeStar here: https://www.subscribestar.com/world-alternative-media For subscriber only content! Pledge here! Just a dollar a month can help us alive! https://www.patreon.com/user?u=2652072&ty=h&u=2652072 BITCOIN ADDRESS: 18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU World Alternative Media 2026

Enjoy an hour of Easy Listening Instrumental Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

Enjoy an hour of Easy Listening Christian Music. Each Saturday I will provide another hour of the Sweetest Sound in Town. We are a listener supported pod cast. If you have been blessed by our music I hope you will help with a tax deductible gift. You can donate on line with the Pay Pal tab on the bottom of this page. I will also be happy to send you an envelope for you to return a gift in or accept your Visa or MasterCard when you call our toll free number 1 888 382 0881. You can also send us your gift by mailing it to Shofar Broadcasting P.O. Box 1909 Charleston, W.V. 25327

Money doesn't become digital overnight.It becomes digital when the rails of finance begin to change.In this episode of MoneyNeverSleeps, Pete Townsend speaks with Emma Landriault of JPMorgan about why stablecoins and bank-issued deposit tokens may end up reinforcing, rather than replacing, each other.Emma Landriault is Executive Director at JPMorgan and global product lead for JPM Coin, a deposit token that enables institutional clients to move money between accounts in real time, 24/7.Drawing on her work building deposit tokens and financial market infrastructure, Emma explains why stablecoins, deposit tokens, and potentially central bank digital currencies represent different layers of the financial system rather than competing forms of money.Across crypto, fintech, and traditional finance, the conversation around stablecoins, tokenised deposits, and onchain settlement is moving from experimentation toward real financial infrastructure. Companies such as Stripe, Visa, Mastercard, and major global banks are increasingly integrating these rails into payments, treasury, and settlement systems.Rather than replacing banks, digital money is emerging as a modular system where different forms of value serve different roles — from programmable treasury operations to onchain settlement and institutional liquidity management.This isn't a crypto-versus-banks conversation. It's a discussion about financial architecture, interoperability, and how the rails of global finance are quietly evolving.We cover:• Why stablecoins and bank-issued deposit tokens are designed to coexist• How liability and trust anchors shape different forms of digital money• Why corporate treasurers are beginning to manage liquidity directly from wallets• What programmable treasury operations could mean for financial workflows• How traditional institutions are approaching onchain assets and digital markets• Why the future financial system may look more like interconnected networks than isolated payment systemsEmma brings a systems-level perspective shaped by building real financial infrastructure inside one of the world's largest banks, explaining why operational reality matters as much as technological innovation — and why the next phase of digital finance will likely be defined by interoperability rather than disruption.If you're a founder, operator, or investor trying to understand how traditional finance and onchain systems are beginning to converge, this episode offers a practical perspective on where things may be heading.⏱️ Chapters00:00 – Why stablecoins and banks can coexist01:00 – Layers of digital money02:30 – Liability, trust, and financial infrastructure04:10 – Deposit tokens vs stablecoins06:00 – Yield, liquidity, and treasury operations07:10 – How corporate treasurers use digital assets08:40 – Programmable treasury and wallet infrastructure10:00 – Institutional interest in onchain finance11:15 – Convergence and network-based financial systems13:00 – The future architecture of digital money13:40 – Closing thoughtsFor full show notes and guest links, see below.MoneyNeverSleeps explores one big idea each week in under 15 minutes with founders, operators, and investors shaping crypto, fintech, AI, and onchain finance.If you're interested in where financial infrastructure is heading — from stablecoins and tokenized assets to AI-driven markets — subscribe and join the conversation.

I travel a lot and I used to blow my budget on staying connected. Not anymore. We talk with Mike Stanford, Founder and President of Always Mobile, about what an eSIM is and how it will change your lifeMichelin is one of the oldest brands still powerful today. We chat with Cyrille Roget, Technical and Scientific Communication Director, about how AI, simulations and other tech go into the design and development of the tires you ride on every day.Adobe is getting a huge AI makeover, allowing you to get more done in less time. Tech lifestyle expert Mario Armstrong breaks it all down for usThank you to Visa, Norton, and SANDISK for your incredible support. Get a huge discount on Norton anti-malware at norton.com/techitout

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now, about two high-profile policy proposals raised or embraced by President Trump as part of a broader populist affordability agenda: 1.         A nationwide 10% cap on credit card interest rates for one year. 2.         The Credit Card Competition Act (CCCA), long championed by Senator Dick Durbin which would require large credit card issuers to enable at least two unaffiliated payment networks (only one of which could be MasterCard or VISA) on their cards. Each proposal is framed as pro-consumer. Each has generated significant pushback from banks, card issuers, and trade associations. However, even consumer advocacy groups have raised serious questions about the wisdom of such initiatives. Prosperity Now is a non-profit organization dedicated to advancing economic mobility, with a focus on those facing economic barriers. Each raises fundamental questions about how to balance affordability and access in the consumer credit market. Our discussion focused on a central theme: affordability is a real and pressing concern, but policy design matters enormously. Credit Card APRs: A Real Affordability Pressure As Calderon emphasized, policymakers are not wrong to focus on credit card interest rates. Average credit card APRs now hover around 22%, up sharply from roughly 13% a decade ago. Approximately half of cardholders carry a balance, and many rely on credit cards not for discretionary spending, but as liquidity bridges, covering emergency medical bills, car repairs, groceries, and other essentials. For lower and moderate-income households, credit cards are often the only readily available, regulated source of short-term liquidity. That makes rising APRs particularly painful. Calderon's formulation is apt: policymakers have identified the right problem. The harder question is whether they have identified the right solution. The 10% Interest Rate Cap: Lessons from History The proposal to impose a flat 10% nationwide cap on credit card interest rates for one year would represent an unprecedented federal intervention into unsecured revolving credit markets. Credit cards are unsecured and priced for risk. Interest margins help issuers cover expected charge-offs, volatility, and operational costs. If pricing flexibility is removed, lenders cannot simply absorb the loss, they adjust. Historically, those adjustments take predictable forms: •                 Tighter underwriting standards •                 Higher minimum credit scores •                 Lower credit limits •                 Reduced rewards programs •                 Increased non-interest fees •                 Exit from higher-risk market segments The likely result, as Calderon noted, is credit contraction, particularly affecting marginal and lower-income borrowers. The most relevant historical example may be the 1980 credit controls imposed during the Carter Administration, which were rescinded within months after causing severe market disruption. A more targeted example is the 36% APR cap under the Military Lending Act, which illustrates both the importance of bipartisan legislative design and the reality that even well-intentioned caps can reduce access at the margins. Recent Federal Reserve research on state usury caps reinforces this concern: when interest rate ceilings are imposed, credit to higher-risk borrowers contracts, credit to lower-risk borrowers expands, and delinquency rates do not meaningfully improve. In other words, credit is reallocated, not necessarily improved. Even a "temporary" cap may have durable consequences. Issuers that exit certain segments or reduce credit lines are not obligated, and may not be economically inclined, to restore them once the cap expires. Credit score impacts and reduced access can linger well beyond the formal life of the policy. As Calderon put it, blunt price controls are a chainsaw when what is needed is a scalpel. Affordability in Context: What Drives Household Budgets? An additional consideration is scale. Research recently highlighted by the Consumer Bankers Association shows that the fastest-growing household expenses from 2013–2024 were healthcare, shelter, food, and vehicles. Credit card interest represents a relatively small share of average household expenditures. This does not minimize the pain of high APRs, especially for households carrying persistent balances, but it does raise an important structural question: can credit card rate caps meaningfully solve broader affordability challenges rooted in housing, medical costs, food inflation, and transportation? Credit cards are often the mechanism households use to cope with those rising costs. Constraining access to that liquidity may exacerbate, rather than relieve, financial stress. The Credit Card Competition Act: Structural Reform or Indirect Price Control? The second proposal we discussed, the Credit Card Competition Act (the "CCCA"), takes a different approach. Rather than capping interest rates, the CCCA would require large issuers to offer merchants at least two unaffiliated network routing options (only one of which could be Visa or Mastercard). The theory is that routing competition would reduce interchange fees ("swipe fees"), lowering merchant costs and ultimately consumer prices. Merchants have generally supported the proposal. Banks and card issuers have strongly opposed it. The consumer-facing promise is straightforward: lower merchant fees should translate into lower retail prices, but history complicates that assumption. The Durbin Amendment to the Dodd-Frank Act imposed caps on debit card interchange fees for large issuers and included routing requirements. While interchange revenue declined, Calderon pointed out that empirical evidence suggests that cost savings were not consistently passed through to consumers in the form of lower prices. At the same time, banks offset lost revenue through higher account fees and reduced benefits. A similar dynamic could unfold in the credit card market. Interchange revenue helps fund: •           Rewards programs •           Fraud detection and prevention •           Customer service infrastructure •           Risk management If that revenue is compressed, issuers may respond with tighter underwriting, reduced rewards, or new fee structures. As Calderon observed, although the CCCA operates through indirect price pressure rather than a direct APR ceiling, downstream effects could look similar. Distinguishing Populist Framing From Durable Reform Both the rate cap and the CCCA are framed as pro-consumer, populist reforms. The political appeal is clear, but distinguishing headline appeal from durable consumer benefit requires careful analysis. Calderon suggested several guideposts policymakers should consider: •                 Access – Does the reform preserve or expand access for low- and moderate-income borrowers? •                 Incidence – Who actually captures the gains? Consumers, merchants, intermediaries, or some combination? •                 Substitution effects – Does the policy push consumers toward higher-cost, less-regulated alternatives such as payday or fringe products? •                 Durability – What happens after implementation? Do markets rebound, or do credit line reductions and underwriting changes persist? These questions are not ideological. They are structural. Affordability and access are not opposing values. The policy challenge is designing reforms that alleviate financial strain without narrowing the regulated credit tools families rely on when emergencies arise. The Bottom Line Affordability concerns are real. Rising APRs are real. Financial stress among many households is real. But blunt price caps may reduce rates on paper while reducing access in practice. Structural competition mandates may promise savings that do not materialize at the checkout counter. Durable consumer protection requires careful calibration — the scalpel, not the chainsaw. For industry participants, policymakers, and advocates alike, the takeaway is straightforward: evidence and market mechanics matter. Populist framing may win headlines, but long-term financial stability depends on policy design that accounts for how credit markets actually function. As always, we will continue to monitor these proposals and their evolution in Congress and the Administration.  It may be noteworthy that President Trump did not mention either proposal during his almost two-hour State of the Union Address on January 24th. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

How to Hire a GM or Operator for Your Home Service Business (and Avoid a $100K Hiring Mistake)Scaling past $10M can expose a brutal truth: the leadership team that got you here might not be the team that gets you to $25M+. In this episode, John Wilson talks with Brendan Aronson (Founder of The Military Veteran, TMV), a recruiting firm that places military veterans into executive and operator roles at home service companies.They break down what an “operator” actually does in a growing HVAC, plumbing, or electrical business—how to know when you need one, and how to avoid the expensive hiring mistakes that come from unclear expectations and a sloppy process. Brendan shares why veterans often excel under pressure, what to look for in reference checks, and the biggest red flag after a senior hire: changing everything on Day 1.You'll learn:What a true GM/operator looks like in a $10M–$40M+ home service companyHow to test for performance under pressure (behavioral questions + reference checks)The #1 red flag: leaders who “rip up the carpet” immediatelyWhy the best operators listen first—and when fast change is required (safety/acute risk)How to build a real hiring pipeline (dozens screened → ~7 serious interviews)Host: John Wilson — https://x.com/WilsonCompanies Guest: Brendan Aronson (TMV) — https://themilvet.typeform.com/to/BDwkmCU0?typeform-source=www.themilvet.org

In this episode, host Paul Barnhurst is joined by Nick Desbarats, a data visualisation expert, bestselling author, and independent educator, to discuss data visualisation. Nick talks about the skills needed to create effective charts, how to avoid common mistakes, and the importance of understanding the "job" of a chart. He shares his journey from software executive to becoming an authority in the field and explains why the true skill of visualising data goes beyond knowing the software.Nick is the author of Practical Charts (Amazon #1 New Release) and the upcoming Practical Dashboards. He has taught thousands of professionals globally, including teams at NASA, Bloomberg, Visa, the United Nations, Shopify, and more. He is also the first educator authorised by Stephen Few to teach his foundational data visualisation workshops.Expect to Learn:Why understanding the "job" of a chart is more important than the data itselfThe key skills needed for creating effective chartsCommon mistakes in data visualisation and how to avoid themWhy empathy for your audience is crucial when designing visualsHow to decide when to use default charts vs. creating custom visualsHere are a few relevant quotes from the episode:“The real job of a chart is to serve people, not the software.” – Nick Desbarats“Data visualisation is not about the tool, it's about the message you want to convey.” – Nick DesbaratsNick Desbarats shared valuable insights on creating effective data visualisations, emphasizing the importance of understanding the purpose behind each chart. He highlighted key skills, common mistakes, and the need for empathy with your audience.Campfire: AI-First ERP:Campfire is the AI-first ERP that powers next-gen finance and accounting teams. With integrated solutions for the general ledger, revenue automation,close management, and more, all in one unified platform.Explore Campfire today: https://campfire.ai/?utm_source=fpaguy_podcast&utm_medium=podcast&utm_campaign=100225_fpaguyFollow Nick:LinkedIn: https://www.linkedin.com/in/nickdesbarats/Company: https://www.practicalreporting.com/Earn Your CPE Credit For CPE credit please go to earmarkcpe.com, listen to the episode, download the app, and answer a few questions and earn your CPE certification. To earn education credits for FPAC Certificate, take the quiz on earmark and contact Paul Barnhurst for further details.In Today's Episode[03:33] – Nick's Background[05:32] – Key Skills for Data Visualisation Experts[09:50] – Executive to Data Viz Educator[12:35] – Book Recommendations[19:35] – Moving Beyond “It Depends”[26:08] – Common Finance Chart Mistakes[34:13] – The Pie Chart Dilemma[37:54] – AI in Data Visualisation[45:56] – Chart Type Selection Skills[58:30] – Final Wrap-up

Farm Commons is a nonprofit organization that helps farmers with legal challenges and questions through education, workshops and resources. Rachel Armstrong, founder and Executive Director of Farm Commons says they get many questions surrounding the H-2A Visa Program. This National Ag Month story is brought to you by the North Dakota Corn Utilization Council. See omnystudio.com/listener for privacy information.

Ngoài việc tăng gấp đôi phí xin visa tốt nghiệp của sinh viên quốc tế, chính phủ liên bang đã âm thầm đưa ra hai thay đổi quan trọng khác.

Getting your tourist visa denied can be frustrating, but it doesn't mean you're banned from the U.S. forever. In this Podcast, we explain why visitor visas are denied, what the 214(b) rule means, and how to improve your chances the next time you apply. If your B-1 or B-2 visa was refused, this guide shows you what to do next.  

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To kick off Women's History Month, Jim welcomes Lara Balazs, the Chief Marketing Officer and EVP of Global Marketing at Adobe. A company at the center of creativity, transformation and technology. Founded in 1982, Adobe is a software company that is famous for its creativity, innovation, and strong employee and customer-centric culture. Their purpose is to change the world through personalized digital experiences, and their offerings include the Creative Cloud, Document Cloud, Experience Cloud, and Adobe Express.Lara is an experienced CMO. Before Adobe, Lara was the CMO at Intuit for six years, and oversaw a strong run, tripling revenue during her tenure. Over the course of her career, Lara has worked at Visa, Nike, Amazon, and Gap. At Adobe, Lara is leading the charge to help shape the iconic company into its next era of growth. Just one year into the role, she's already refreshed the company's mission to “empower everyone to create” and is leading one of the most ambitious AI-enabled marketing transformations in the industry.Tune in for a conversation with a leader who believes we are entering the golden age of creativity…—Learn more, request a free pass, and register at iab.com/ccs Promo Code for $150 off ticket prices: CMOPODCCS26—This week's episode is brought to you by IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Crypto News: President Trump rebukes Banks for holding up the Clarity Act because of Stablecoin yields in the Genius Act. SoFi and Mastercard announced an enhanced partnership to enable SoFiUSD stablecoin as a settlement option across Mastercard's global payments network. Ripple expands stablecoin payments stack for banks, fintechs.Brought to you by

Ever notice how the smallest trigger in your relationship—a tone of voice, a lingering look, or a forgotten chore—can suddenly feel like a five-alarm fire? The truth is, most couples aren't fighting about the dishes or the laundry; they're struggling against the undercurrents of stress, anxiety, and unspoken needs that simmer just beneath the surface. When these emotions erupt, it's not just about the task at hand but the deep human urge to be seen, valued, and connected. Left unchecked, these survival-driven stress responses can turn moments of misunderstanding into cycles of blame, defensiveness, or painful silence. In this episode, you'll discover a refreshing reframe of stress in intimate relationships—not as a signal to run or shut down, but as an invitation to meaningful connection and growth. Learn how to recognize your triggers, transform heightened emotions into curiosity and constructive action, and tap into the power of vulnerability—even in the heat of conflict. Through practical strategies, thought-provoking questions, and powerful mindset shifts, this conversation is packed with insights to help you break free from old reaction patterns, deepen trust, and turn even your toughest moments into a pathway for a stronger partnership. Dr. Rebecca Heiss Bio: Dr. Rebecca Heiss is a Stress Physiologist and full-time keynote speaker residing in Greenville, South Carolina, who has worked with household names like VISA, P&G, SHRM, Bloomberg, and Northwestern Mutual. Dr. Heiss hails from a small town in upstate NY! She grew up playing basketball and football in the backyard with her sister and neighborhood kids. Basketball stuck with her, and she continues to enjoy playing with friends today while promoting her co-founded non-profit, Gamechanger Basketball.   Episode Highlights 03:40 Discover how personal loss led to a life-changing approach to handling stress. 08:42 Learn why our brains react so strongly in relationships—and how to respond differently. 11:37 Find out how curiosity can replace fear and build a deeper connection during stress. 14:41 Get simple, real-life tools for managing conflict and assessing vulnerability. 19:01 Uncover powerful questions that can turn arguments into understanding. 20:51 Explore a three-step process for navigating stress as a team and how to use this method to resolve everyday relationship challenges. 26:25 Discover why embracing—not avoiding—stress leads to more meaning and growth. 39:40 Quick, physical techniques anyone can use to release tension. 40:58 How community, service, and the right resources can transform your stress.   Your Checklist of Actions to Take Pause and Breathe: When feeling stressed or triggered, take a moment to pause with a deep inhale and exhale to help settle your nervous system. Invite the Tiger In: Instead of avoiding stress, consciously sit with the discomfort for three minutes to allow yourself to fully experience and acknowledge it. Get Curious: Ask yourself, "What is this stress here to help me do?" to start shifting out of a blame mindset and into a place of productive inquiry. Connect with Others: Reflect on "Who do I need to connect with?"—be it your partner, a friend, or even a part of yourself—to seek support and reduce isolation. Use Physical Outlet: If you're more nonverbal, move your body (e.g., fast feet, punching a pillow, yelling—in a safe space) to help release stress energy. Name Your Feelings: Verbally recognize and share your emotional state with your partner, such as "I'm feeling defensive," to foster vulnerability and mutual understanding. Set a Break Word: Agree on a lighthearted code word as a couple to pause heated discussions, allowing each person to process and return with more clarity. Direct Your Energy Constructively: After working through the initial stress, focus on what you need—whether it's an apology, to be heard, or a change in behavior—and express this clearly to your partner.   Mentioned Instinct (*Amazon Affiliate link) (book) Springboard (*Amazon Affiliate link) (book) Man's Search for Meaning (*Amazon Affiliate link) (book) Shifting Criticism For Connected Communication (free guide) Connect with Dr. Rebecca Heiss Websites: rebeccaheiss.com Facebook: facebook.com/drrebeccaheiss X: https://x.com/DrRebeccaHeiss YouTube: youtube.com/hannel/UCO3XmakQmJX0z0TbSfr3agg Instagram: instagram.com/drrebeccaheiss LinkedIn: linkedin.com/in/rebeccaheiss/details/experience

Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/el-mananero-radio--3086101/support.

Glen speaks with two Associate Professors- Anna-Leigh Stone (Samford University) and Jordan Van Rijn (University of Wisconsin) about the recent Credit Union Research Workshop and Stone's paper analyzing the impact of CUs acquiring banks. Also- KYC risks morphing into Know Your Citizenship.   Links related to this episode: Anna-Leigh Stone: https://www.samford.edu/business/directory/Stone-Anna-Leigh Jordan Van Rijn: https://aae.wisc.edu/faculty/vanrijn/  The CU Research Workshop: https://sites.google.com/view/jordan-van-rijn/home/credit-union-research-workshop The Cato Institute on the proposed requirement for FIs to collect account holders' citizenship data: https://www.cato.org/blog/know-citizenship-says-trump-banks TruStage's announcement of its TSDA stablecoin for credit unions: https://www.trustage.com/newsroom/2026-press-releases/trustage-launches-stablecoin  The CU Daily on the latest Alabama brushfire re: a CU acquiring a bank: https://thecudaily.com/bankers-use-latest-cu-purchase-of-bank-to-criticize-tax-exemption-americas-cus-says-claimes-are-lies/  Check out CU Unplugged, an unscripted, participant-powered gathering designed to foster unfiltered conversation on the topics participants deem most critical. The event is open to all credit union leaders, but the group will be kept intentionally small for maximum impact. Join us March 30 – April 2 at Visa's Market Support Center in San Francisco- Visit https://www.cu-unplugged.com/  to learn more and register.   Join us for our next CU Town Hall- Wednesday March 18 at 3pm ET/Noon PT- a live and lively interactive conversation tackling the major issues facing credit unions today. The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/     Follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/ https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/  

Episode Overview What does it actually take to run a digital insurance operation at the system level—not at the chatbot layer, but at the transaction layer? Joshua R. Hollander speaks with Wayne Slavin, CEO and Co-Founder of Sure, about the infrastructure required to deliver true digital insurance in an AI-agent world. Wayne describes Sure's role as "what Visa and Mastercard were in the early days of credit cards"—building the rails for digital insurance distribution. Key Topics 1. What "Digital Insurance" Really Means Digital insurance is not about moving forms online or replacing phone calls with web interfaces. True digital insurance is straight-through processing from quote to policy issuance to payment—mirroring the speed and frictionlessness of e-commerce transactions. Wayne explains: "If that transaction requires some asynchronous process, some process that is interrupted, that we are actually not doing digital insurance." The benchmark: the entire process happens within minutes, not days or weeks. 2. API-First Infrastructure vs. Legacy Core Systems Sure's platform differs fundamentally from monolithic core policy administration systems (like Guidewire or Duck Creek) because it was built API-first with data normalization at its foundation. Legacy cores encourage over-customization, which locks insurers into inflexible, non-compliant systems. Sure's approach standardizes policy data across product types (homeowners, renters, fine art, landlord), enabling rapid changes and integrations. Unlike legacy systems, Sure doesn't force carriers to choose between their existing tech and innovation—it coexists alongside legacy infrastructure. 3. Model Context Protocol (MCP) and AI Agent Integration In February 2026, Sure announced the industry's first MCP server integration, enabling Claude AI agents to interact directly with Sure's infrastructure. MCP is a standardized protocol that allows AI agents to connect to business systems without custom integrations for each use case. This means insurers and brands no longer need 6-12 months of engineering to embed insurance; AI agents can quote, bind, manage, and renew policies conversationally. 4. Why Non-Endemic Brands Will Build Insurance The next major insurance distributors won't be insurance companies. They'll be brands, e-commerce platforms, fintechs, and technology companies with massive customer bases. Wayne's economic thesis: if a brand can convert customers to insurance at 20-30x the typical rate (vs. giving customer data to a third party), the unit economics change entirely. Large brands now have a path to retain customers and data while building insurance revenue. 5. The Transaction Layer as Moat Insurance isn't like retail or travel—regulatory consequences are real, policy admin systems are complex, and compliance layers must operate end-to-end. Sure's competitive advantage lies in building the foundational transaction layer that carriers either cannot replicate internally or would take years to engineer. This infrastructure layer is what enables AI agents to work reliably within compliance and regulatory constraints. 6. Insurance as an Ecosystem The future isn't a single insurer offering multiple products—it's an ecosystem where brands, platforms, and technology companies collaborate on insurance delivery. AI agents, powered by Sure's infrastructure, enable this distributed, composable insurance ecosystem. Key Quotes -"What digital insurance really means is truly a straight-through process where you're starting to get a quote that quote will be a real quote. It's not an estimate. It will become a real policy. You will pay real money. You will get a real coverage document. And the timing of all of that is pretty close to what you expect from regular old e-commerce." -"The next big insurance distributors won't be insurance companies. They will be brands. They'll be technology companies. They'll be fintechs. They'll be AI companies. They'll be companies that are currently sitting on large customer bases that don't have insurance products today." -"Before MCP, if an AI agent wanted to interact with an insurance system, you'd have to build a custom integration for each system, each use case. MCP standardizes that." Resources • Sure: https://sure.com • Wayne Slavin LinkedIn: https://www.linkedin.com/in/wayneslavin • Horton International: https://www.horton-usa.com/ Subscribe & Connect Tune in to the Insurtech Leadership Podcast for deep-dive conversations with insurance executives, founders, and innovators shaping the future of insurance technology. • LinkedIn: https://www.linkedin.com/in/joshuarhollander/ • Podcast Showcase: https://www.linkedin.com/showcase/insurtech-leadership-show #InsurTech #Insurance #InsuranceInnovation #Innovation #FutureOfInsurance #Leadership #ExecutiveLeadership

00989B台新美國非投等債（本基金之配息來源可能為收益平準金且無保證收益及配息）用心挑選票息6.5%以上美國企業債採月配息機制，讓你掌握收益機會了解更多

This conversation explores the tax policies in Italy and Portugal, focusing on the basic tax structures, ways to minimize tax burdens for foreigners, available deductions, filing requirements, common mistakes made by expats, and final thoughts on navigating the tax systems in both countries. Experts Nick and Rui provide insights into the complexities of taxation for new residents and the importance of professional guidance.Rui's website: https://goalseek.pt/Nick's website: https://www.italiantaxes.com/

In Episode 51 of *Chain Reactions*, we sit down with Lex Sokolin, co-founder of [Generative Ventures](https://www.genventures.xyz/) and one of the sharpest voices at the intersection of fintech, crypto, and AI. With 15 years at the frontier of financial services, from Wall Street to early robo-advisors to co-leading DeFi strategy at ConsenSys, Lex brings a rare combination of depth and directness to the conversation.We dig into his core thesis: that AI agents are becoming economic peers, and those peers need financial infrastructure built for them. Lex breaks down how blockchain has collapsed five massive verticals of financial services into a single rail, why that's both unbelievably destructive and productive, and where the real commercial opportunities sit across payments, capital markets, and asset management.The conversation gets candid fast. Lex doesn't hold back on the crypto industry's tendency to dress up vaporware in legitimate opportunity, the evolution from Olas to Virtuals to OpenClaw as each wave of agentic AI gets slightly more real, and why the race to market to agents may ultimately benefit the fewest actual humans. We also get into the Visa and MasterCard question, whether Web3 is finance's Amazon-vs-Kmart moment, and why Tether's business model might be more interesting than Stripe's.We close with Lex's personal philosophy on turning the page, borrowed from a background in visual arts, and why building beats worrying in an era of exponential change.---**Timestamps**00:00 – Welcome and intro to Lex Sokolin of Generative Ventures02:36 – From Wall Street to robo-advisors to ConsenSys and beyond05:50 – The machine economy thesis and where the real opportunities sit08:29 – How blockchain collapsed five financial verticals into one rail10:56 – AI-first companies vs crypto-native firms and where they overlap13:42 – Latest developments and the pace of change in agentic AI14:24 – S-curves vs exponentials and why it matters for AI capabilities16:45 – The evolution from Olas to Virtuals to Lobsters20:41 – Will Visa and MasterCard be disintermediated by agents?27:39 – Amazon vs Kmart: is Web3 finance's greenfield moment?31:40 – How do you market to agents? The dystopian and practical answer36:54 – Spotting AI content in the wild and the normie gap38:32 – What Lex has changed his mind on about decentralization43:25 – What gets Lex most excited and most concerned heading into 202647:48 – The trap of AI consumption vs production49:27 – Biggest professional learning: being unafraid to turn the page---**Show Notes & Mentions**-

AI in customer experience, fraud prevention, and back-office operations is moving fast in banking and financial services, and the firms that fall behind risk losing both customers and competitive ground. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Mamta Rodrigues, Chief Client Officer of Banking, Financial Services and Insurance at TP, one of the largest employers in the world with over 500,000 people globally. Mamta brings decades of hands-on experience across American Express, MasterCard, Visa, and Synchrony, and she holds a patent, a signal that she has spent real time building products, not just advising on them. The conversation covers practical AI use cases in fraud, collections, and compliance, along with what separates clients who get results from those who stall out after a pilot.The pressure on banks and fintechs right now comes from two directions at once. Consumer expectations keep rising because people interact with payment products every single day. At the same time, fraud is accelerating. Every time the industry catches up, fraudsters adapt faster and the cycle resets. That means fraud teams, product teams, and customer experience teams are all fighting for resources and attention at the same time. For treasury managers, CFOs, and compliance leaders, this creates a real tension: how do you invest in AI-powered fraud prevention and still deliver a smooth experience that keeps customers loyal?The numbers from inside TP's client work tell a clear story. Fifty percent of TP's solutions are now AI-led, with the heaviest concentration in back-office operations like fraud, financial crime, and claims management. Mamta describes a recent deployment of TP's AI blueprint, tp.ai fab, layered into an existing client's operations to prevent and predict fraud. The results showed significant improvement in key metrics. On the collections side, predictive analysis now arms agents before a call even starts with propensity to pay, likely timing, expected recovery percentage, and recommended remediation paths. That kind of preparation changes the entire tone of a collections interaction from adversarial to solution-oriented, and the outcome is measurable: increased repayment, stronger loyalty, product expansion, and reduced breakage.One of the clearest signals Mamta uses to gauge whether a client will actually get results versus abandon the effort after a test: the composition of who shows up. When the cross-functional team walks through the door, operations, product, IT, and data leaders together, that's when real progress happens. She describes a design thinking approach where the client provides a problem statement in advance, both sides bring the right people, and in a single day they can shape a solution direction. The typical pattern is that they start with one problem statement and end the session with additional problem statements and new opportunities they had not considered. Clients who send a single department to "explore AI" without bringing the other stakeholders rarely make it past the pilot stage.Looking three to five years out, Mamta expects advanced AI and predictive analytics to fundamentally reshape how customer experience operates, powered by stronger data foundations and more mature tech stacks. She predicts continued growth in AI-led back-office solutions, deeper fraud protection capabilities, and a rising focus on elevating talent rather than replacing it. The human factor, she says, will always remain because both the customers and the agents serving them are still people. Her single piece of advice to fintech executives and founders: "Be comfortable with the uncomfortable." The firms that try, pivot, learn, and avoid the belief that they already know everything will be the ones that pull ahead.Key HighlightsFraud Signals Your Phone RevealsEvery mobile transaction generates thousands of hidden data points including gyroscope movement, touch pressure patterns, key press timing, and screen angle behavior that machine learning models use to verify identity. IP address matching combined with geolocation checks can confirm whether the person making a payment is physically located where their device says they are, adding layers of fraud protection most consumers never realize exist.Automation Is Not Replacing AgentsTP proposes automation first in every client engagement, yet the goal is augmenting agent performance through AI-powered training, quality assurance, and workforce management tools. Mundane tasks like balance inquiries have already moved to apps, while new roles in data analysis, predictive modeling, financial crime investigation, and fraud prevention are growing faster than the positions being phased out.Consumer Behavior Now Drives FintechBanking and payments typically lead BFSI adoption cycles because consumers transact with payment products daily, while insurance interactions are infrequent and purpose-driven. That frequency gap means consumer expectations hit banking and fintech firms first, forcing faster response times and creating pressure that insurance companies eventually absorb as a fast follower.Living On Cash Taught Product ThinkingOne of the sharpest product leadership lessons came from spending an entire month using only cash, no cards, no checks, no electronic payments, to understand what consumers actually experience when they lack access to modern payment tools. That hands-on immersion shaped a framework for understanding customer pain points from the inside out, a method still applied today when onboarding new clients by finding internal employees who already use the client's products.The Real Meaning Of DataThe phrase "so what of the data" reframes the entire conversation around why raw data collection means nothing without a clear connection to personalization, spend analysis, and predictive outcomes. Combining multiple data sources with analytics can reveal buying power, transaction patterns, location behavior, and propensity to pay, turning passive information into active intelligence that drives customer engagement and retention.Storytelling Aligns Stakeholders FasterComplex enterprise sales involving operations, product, and executive teams require more than technical specs to move forward, and framing solutions around a clear North Star with a human impact story accelerates buy-in. Using a collections call as an example, the narrative centers on saving a customer relationship rather than recovering a balance, which reframes cost of acquisition against breakage and makes the ROI case emotionally and financially persuasive.Banks Now Seek Outside PerspectiveA year ago, most banking clients told TP they would solve AI and CX challenges internally within their own teams and systems. In the last twelve months, that posture has shifted sharply toward requesting peer group insights, consortium-style knowledge sharing across 350+ global BFSI clients, and collaborative problem solving that treats the current wave of change as an industry-wide learning curve.Culture Shapes Customer Experience StrategyThree years of living and working in India reinforced that cultural context directly affects how customers respond to service interactions, communication styles, and engagement approaches across different regions. Global CX strategies that ignore cultural layers risk delivering a technically sound but emotionally flat experience, which is why regional adaptation matters as much as the tech stack powering the interaction.Hidden Fraud Detection Through BiometricsBeyond standard two-factor and three-factor authentication, financial services firms are now layering behavioral biometrics that track how a person physically handles their device during a transaction. Screen touch patterns, movement signatures, and Face ID verification create a composite identity profile that runs silently behind every interaction, catching anomalies that traditional password-based security would miss entirely.Meeting People Where They AreCross-functional leadership across global teams starts with something as simple as asking a new direct report which communication channel they prefer, whether that is Viber, WhatsApp, text, or another platform. That small signal of respect sets the tone for a people-first management approach where multiple perspectives are actively solicited, because the operating principle is that one brain is never as effective as seven or eight working together.Five Key Takeaways1️⃣ Bring Cross-Functional Teams To Every PilotSending one department to evaluate AI or data analytics tools is how pilots die quietly after 90 days. Get your operations lead, product owner, IT or data leader, and digital officer in the same room with one shared problem statement before you commit budget. That combination forces the real blockers to surface early, things like legacy system constraints, rule adjustments, and use case selection, so you can design around them instead of discovering them after you have already spent the money.2️⃣ Use Your Own Products Before SellingThe fastest way to understand a customer's pain is to become one. Before pitching a solution or onboarding a new client, find people inside your own organization who already use that client's product and pull them into the conversation. You will learn more about friction points, feature gaps, and real user behavior in one week of hands-on product use than in six months of reading market research decks.3️⃣ Arm...

En nuestro episodio 502 conversamos con Eduardo Coello, Chairman Latin America Y Caribbean de Visa sobre: + Enfrentar un momento desafiante para su familia. + Los aprendizajes durante su etapa en Procter & Gamble. + Su evolución y crecimiento profesional en Visa. + La transición de liderar un país a dirigir una región. + Cómo convertirse en un mejor líder y construir el liderazgo del futuro. + Recursos Humanos somos todos dentro de la organización. + Las jerarquías en las empresas. ___________________________________________________________________________ ⚡ Descubre cómo alcanzar tu máximo potencial sin sacrificar tu bienestar en el nuevo programa MAX HUMAN, aquí te puedes inscribir: www.hackersdeltalento.com/max-human

Immigration and employment law continues to evolve — and for HR professionals in Ireland, staying compliant while attracting global talent has never been more important. In this episode of The HR Room Podcast, Dave is joined by Alice Heron, Manager at Fragomen, one of the world's leading immigration services firms, to break down everything HR leaders need to know about Irish immigration law in 2026. From updated salary thresholds to graduate hiring opportunities and strengthened compliance obligations, Alice provides clear, practical guidance to help HR professionals confidently manage international recruitment. Whether you're hiring from abroad, retaining international graduates, or reviewing your internal compliance processes, this episode offers essential insights for workforce planning in a changing regulatory landscape. Guest Alice Heron – Manager, Fragomen Topics include: • The difference between permission to work and permission to reside • What HR needs to know about right-to-work checks • Understanding Critical Skills, General, and Intra-Company Transfer permits • The new Minimum Annual Remuneration (MAR) thresholds and what they mean for 2026 • Changes under the Employment Permits Act 2024 • The Eligible and Ineligible Occupations Lists – and why they matter • Family reunification rules and dependent considerations • Visa timelines and workforce planning • Hiring and retaining international graduates in Ireland • Stamp 1G and Stamp 2 permissions explained • Common compliance pitfalls HR teams should avoid • Why immigration should be part of long-term workforce strategy — not an afterthought Key Takeaways for HR Leaders • Permission to work and permission to reside are separate systems — always verify both. • The new MAR thresholds (increasing through to 2030) mean salary planning must align with immigration requirements. • Immigration compliance is a lifecycle process — not a “file it and forget it” task. • Expiry date tracking for permits and IRP cards is critical to avoid operational disruption. • Graduate hiring presents a major opportunity, but early permit planning is essential. • Family considerations (including spouse work rights and dependent rules) significantly impact talent attraction and retention. • Promotions, salary changes, and role updates must be formally notified to the Department. • Strong record-keeping is essential in the event of a Workplace Relations Commission audit. • Employers who can clearly communicate long-term pathways (e.g., Stamp 4 eligibility) gain a competitive advantage in attracting global talent. Resources Eligibility and requirements for an employent permit Critical Skills Occupations List Ineligible List of Occupations for employment permits Types of Employment Permits Get in Touch If you're not already following us on LinkedIn, please do. If you have suggestions for future episodes, or if you'd like to join us as a guest, reach out to Dave Corkery at connect with him on LinkedIn. About The HR Room Podcast The HR Room Podcast is brought to you by Insight HR — where we speak with HR leaders, experts and practitioners across Ireland about the issues shaping the world of work today. If you're enjoying the podcast, please share it with colleagues or friends and leave us a review. We love to hear your feedback, we take requests, and we're always here to support you with your HR challenges. Immediate HR support

What does it really mean to “be more strategic”? And why are so many talented leaders told they need this skill - without being shown how to develop it? In this episode I'm joined by Charlie Curson, strategy consultant, leadership coach, and author of Be More Strategic. Together, we unpack why strategy so often feels intimidating, how it's different from planning, and how leaders can build the confidence to think and act more strategically - even in uncertainty. In this episode, we explore: Why “be more strategic” is such common (and unhelpful) feedback for leaders The difference between strategy and planning — and why confusing the two causes problems How creativity plays a vital role in strategic thinking (even if you don't see yourself as “creative”) Practical ways to manage uncertainty — without needing all the answers Why future-focused thinking doesn't come naturally to everyone (and how to develop it) Decision-making styles, procrastination, and how to make better calls with imperfect information Charlie's four-level framework for becoming more strategic — from self-awareness to scaling impact This is Influence & Impact for Leaders, the podcast that helps leaders like you increase your impact and build a happy and high performing team. Each episode delivers focused, actionable insights you can implement immediately, to be better at your job without working harder. Work with Carla: 1:1 Leadership Coaching with Carla – get support to help you get your voice heard at work, lead with confidence and develop your career. Book a discovery call About Charlie Curson Founder of Mandarin. Strategic advisor, investor, facilitator and accredited leadership coach with 25+ years across 250+ organisations (including VISA, McDonald's, Unilever, Experian, Volkswagen Group, L'Oréal, Barclays). Lifelong “tinkerer” obsessed with making things faster, better, smarter, who challenges assumptions and turns clarity into action. He helps leaders and teams build strategic capability and momentum. Author of Be More Strategic: 12 Essential Practices to Build the Life and Career You Want. Find out more, and get your copy Take the Be More Strategic Quiz

The J-1 visa can be a great way to work, train, or study in the U.S., but many people get trapped by the two-year home residency rule. In this Podcast, we explain how the J-1 visa works in 2026, who qualifies, and what options exist if you want to stay in the U.S. afterward.  

Saint Kitts, Saint Lucia, and Grenada retain ten-year, multiple-entry terms; only Antigua and Dominica face the downgrade.View the full article here.Subscribe to the IMI Daily newsletter here. 

⚖️✨ Muchos jóvenes califican para la Visa Juvenil Especial y no lo saben.Si un menor ha sido abandonado, descuidado o maltratado, podría tener un camino hacia la residencia permanente

This is the audio version of my YouTube video "VISA Updates for International Medical Graduates | H-1B Visa $100K?".You can check the video version ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Is Krystle dressing more conservatively due to Skinny? Hilary Clinton. AI generated video posted by the White House of an Olympic hockey player. The man charged with killing the Gaudreau brothers attorney claims his blood alcohol level was read wrong at the time of the crash. A student at university was detained by ICE for having an expired student VISA. 

JLR's dong is hanging out. Prosthetics. Rover almost yelled out Duji's name in an argument with B2. Woman goes berserk on a plane upon arrival. Is Krystle dressing more conservatively due to Skinny? Hilary Clinton. AI generated video posted by the White House of an Olympic hockey player. The man charged with killing the Gaudreau brothers attorney claims his blood alcohol level was read wrong at the time of the crash. A student at university was detained by ICE for having an expired student VISA. Reminiscing the time, Rover and Charlie were arrested. Swedish mobster hits a tourist in Thailand and kills him. Did Pink get inducted into the Rock Hall? Battle of the Bulge. JLR blushes talking to lead singer of the band Priscilla, Brad. Personalized license plates. Rover propositions JLR to get a vanity plate for $1,000. Burger King is going to be using AI to monitor how their employees interact with customers. 

Is Krystle dressing more conservatively due to Skinny? Hilary Clinton. AI generated video posted by the White House of an Olympic hockey player. The man charged with killing the Gaudreau brothers attorney claims his blood alcohol level was read wrong at the time of the crash. A student at university was detained by ICE for having an expired student VISA. See omnystudio.com/listener for privacy information.

JLR's dong is hanging out. Prosthetics. Rover almost yelled out Duji's name in an argument with B2. Woman goes berserk on a plane upon arrival. Is Krystle dressing more conservatively due to Skinny? Hilary Clinton. AI generated video posted by the White House of an Olympic hockey player. The man charged with killing the Gaudreau brothers attorney claims his blood alcohol level was read wrong at the time of the crash. A student at university was detained by ICE for having an expired student VISA. Reminiscing the time, Rover and Charlie were arrested. Swedish mobster hits a tourist in Thailand and kills him. Did Pink get inducted into the Rock Hall? Battle of the Bulge. JLR blushes talking to lead singer of the band Priscilla, Brad. Personalized license plates. Rover propositions JLR to get a vanity plate for $1,000. Burger King is going to be using AI to monitor how their employees interact with customers. See omnystudio.com/listener for privacy information.

In Episode 161 of the Award Travel 101 podcast, Angie Sparks welcomes Justin Walter to share details from his recent family trip to Punta Cana. The episode kicks off with a highlight from member Megan, who creatively paid an $11,000 hospital bill using $200 Visa gift cards purchased at office supply stores—earning a stash of Ultimate Rewards points in the process. In news, Angie covers a 15% transfer bonus from American Express Membership Rewards to Avianca LifeMiles, while Justin shares that Emirates Skywards will no longer award miles on Condor-operated flights starting May 1, 2026 (though redemptions remain). Angie also highlights a 40% transfer bonus from Chase Ultimate Rewards to Virgin Atlantic Flying Club, and Justin reminds listeners that dozens of limited-time promos across major loyalty programs are ending soon.On the credit card front, Angie shares that her Barclays Aviator card will convert to a Citi Strata card, prompting her to apply early to secure a sign-up bonus—ultimately receiving an unusually generous credit line offer. She also grabbed a no-lifetime-language Hilton Surpass offer that includes a free night certificate, planning to leverage upcoming pool renovation expenses to meet spending requirements. Justin, meanwhile, is working through Amex Business Gold and Delta Business Reserve bonuses for status, while his Player 2 was denied for a Citi AA Platinum Select and is considering a Hilton card with elevated offers. They also preview a packed year of travel, including Phoenix, Morocco, Ireland, Australia, New Zealand, Puerto Vallarta, Vegas, Rome, and Japan.The main topic centers on Justin's family trip to Punta Cana, where they stayed at Dreams Macao Beach Punta Cana, booked directly through Hyatt for 29,000 points per night plus $60 per child. They flew nonstop on Delta Air Lines, paying a premium for the convenience. Justin notes this wasn't their first full-family trip, as grandparents joined them previously. The episode wraps with a practical tip of the week: don't believe every travel rumor you read online—especially when it comes to loyalty program changes.Episode Links:Amex to Avianca transfer bonusCondor drops Emirates EarningChase to Virgin transfer bonusPromos Ending soonWhere to Find Us The Award Travel 101 Facebook Community. To book time with our team, check out Award Travel 1-on-1. You can also email us at 101@award.travel Buy your Award Travel 101 Merch here Reserve tickets to our Spring 2026 Meetup in Phoenix now. award.travel/phx2026 Our partner CardPointers helps us get the most from our cards. Signup today at https://cardpointers.com/at101 for a 30% discount on annual and lifetime subscriptions! Lastly, we appreciate your support of the AT101 Podcast/Community when you signup for your next card! Technical note: Some user experience difficulty streaming the podcast while connected to a VPN. If you have difficulty, disconnect from your VPN.

Charles Burton and Gordon Chang analyze Mark Carney's shift toward Beijing, seeking trade concessions like visa-free access while Canadians harbor resentment over Trump's proposed tariffs and economic policies. 3.

Every home service operator has a failure story.In this episode of Owned and Operated, John Wilson sits down with Jack Carr (CEO of Rapid Plumbing, Heating, Cooling & Electric in Nashville) to break down the biggest business mistakes they've made — and what those mistakes actually cost.From a $13,000 ad spend weekend that only generated $7,000 in revenue… to overpaying vendors for an entire year… to discovering $80,000 per month in unnecessary purchasing — this is a candid conversation about the operational blind spots that quietly drain profit.The surprising takeaway? Most major failures weren't dramatic. They were data problems. Process problems. Cash flow misunderstandings. And hiring financial leadership too late.If you're scaling a home service business — or planning to — this episode could save you years of expensive lessons.In this episode, we discuss:The $13K marketing mistake and how capacity planning changes everythingHow tightening purchasing controls instantly improved marginsWhy most contractors overpay vendors (and don't even know it)The hidden cost of software bloat and subscription creepConstruction vs. service cash flow — and why mixing the two can hurtWhy hiring a controller earlier would have changed everything

GoMining CEO Mark Zalan challenges the "digital gold" narrative, arguing Bitcoin must transition into a functional currency via 2026 payment rails designed to outperform legacy giants like Visa and Mastercard. GoMining CEO, Mark Zalan, joined CoinDesk Live at Consensus Hong Kong to challenge bitcoin's "digital gold" narrative. Zalan explains why Bitcoin must evolve from a stagnant investment into a functional currency to achieve true mass adoption. He breaks down the infrastructure hurdles preventing everyday spending and how GoMining's 2026 rollout of new payment rails aims to outperform legacy giants like Visa and MasterCard. - This episode was hosted live by Jennifer Sanasie at Consensus Hong Kong 2026, presented by Hex Trust.