Podcasts about visa mastercard

想像一下，一個沒有信用卡、沒有銀行帳戶的自由工作者，靠著一個手機錢包，就能收錢、付錢、開公司，參與全球經濟。這不是幣圈夢想，是現在正在發生的事——而且速度比你想的還快。Visa、Mastercard、Stripe、Coinbase 全部動起來，穩定幣不再只是交易所裡的數字，而是開始吃掉傳統金流系統，甚至搭上 AI，準備讓「錢」自己跑流程、自己打 API、自己決定怎麼分帳。這集我們聊聊：

Ist das Ende von PayPal, Visa und Mastercard in der EU gekommen?

C'est un projet ambitieux de l'Union européenne.Il s'agit de se libérer des géants américains et chinois du paiement, comme Visa, Mastercard, PayPal ou encore AliPay du côté de l'Empire du Milieu.Se passer des réseaux de paiement non européensPremier point, à l'heure de la guerre commerciale et tarifaire, il semble que les autorités européennes jugent que la dépendance aux entreprises étrangères spécialisées dans l'intermédiation du paiement est problématique.Et voici un exemple très concret pour comprendre ce qui chiffonne l'Europe.À chaque fois que vous utilisez votre carte Visa ou que vous réglez un achat via PayPal, vous passez par des réseaux qui ne sont ni européens ni souverains.Ces services sont américains, ou chinois dans le cas d'AliPay.C'est cette situation qui commence sérieusement à inquiéter Bruxelles, surtout dans un contexte de tensions géopolitiques et commerciales.La BCE prend les devantsEt c'est plus précisément la BCE, la Banque Centrale Européenne, qui prend les devants.Christine Lagarde, la présidente de la Banque centrale, a exprimé clairement sa volonté de bâtir une alternative européenne.L'objectif est de proposer un système de paiement local, sécurisé et indépendant, capable de concurrencer les géants actuels. Ce serait, selon ses mots, "un pas de plus vers l'indépendance économique de l'Europe".Vers un portefeuille numérique unifié en EuropeMais, et c'est le troisième point, se passer de Visa ou Mastercard n'est qu'un aspect de cette volonté d'indépendance européenne.Concrètement, l'Union européenne planche aussi sur un portefeuille numérique unifié.Celui-ci pourrait centraliser, sur nos smartphones, des documents comme la carte d'identité, le permis de conduire, mais aussi des moyens de paiement.Cette dynamique est déjà à l'œuvre en France où il est désormais possible de dématérialiser sur son smartphone sa carte d'identité, sa Carte Vitale, et prochainement son permis de conduire.Mais portée à l'échelle européenne, cette brique technologique pourrait accélérer l'intégration économique au niveau du Vieux Continent. Et rendre plus indépendant encore les européens des entreprises américaines et chinoises, qui proposent déjà des outils de stockage de documents dématérialisés.D'après les estimations du service de recherche du Parlement européen, une telle initiative pourrait générer jusqu'à 2800 milliards d'euros de PIB d'ici 2032.Le ZD Tech est sur toutes les plateformes de podcast ! Abonnez-vous !Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Mejor red de podcast del mundo entero: SOSPECHOSOS HABITUALES https://feedpress.me/sospechososhabituales TISKRA - https://www.ivoox.com/feed_fg_f11248619_filtro_1.xml TWITCH - https://www.twitch.tv/jordillatzer?lang=es NEWSLETTER EL SEXTANTE: https://jordilltazer.substack.com/

(0:00) The Besties welcome John and Patrick Collison! (4:28) Stripe's business evolution: $1T in volume/year, stablecoins, challenging the Visa/Mastercard duopoly, publishing economic indicators (20:31) Jamie Dimon's leaked rant on remote work and bureaucracy (34:22) DOGE for Defense: Trump ordered the Pentagon to look at cutting the defense budget by 8%/year over the next five years (43:51) Crypto Corner: Milei's Memecoin embarrassment (1:00:18) John and Patrick break down the Arc Institute and its new Evo 2 AI model (1:18:04) Grok 3 takes the LLM lead, lessons learned from Elon's Colossus scale up (1:30:22) Science Corner: Asteroid update (1:35:42) Why Stripe hasn't gone public yet, despite great metrics Register for All-In at SXSW: https://allin.com/events Follow John: https://x.com/collision Follow Patrick: https://x.com/patrickc Follow the besties: https://x.com/chamath https://x.com/Jason https://x.com/DavidSacks https://x.com/friedberg Follow on X: https://x.com/theallinpod Follow on Instagram: https://www.instagram.com/theallinpod Follow on TikTok: https://www.tiktok.com/@theallinpod Follow on LinkedIn: https://www.linkedin.com/company/allinpod Intro Music Credit: https://rb.gy/tppkzl https://x.com/yung_spielburg Intro Video Credit: https://x.com/TheZachEffect Referenced in the show: https://www.cnbc.com/2024/10/23/stripes-1point1-billion-deal-for-bridge-marks-much-needed-win-for-vc.html https://x.com/Zigmanfreud/status/1890202488596492620 https://www.coworker.org/petitions/professional-dignity https://www.bloomberg.com/news/articles/2023-01-03/shopify-ceo-tobi-lutke-tells-employees-to-just-say-no-to-meetings https://www.washingtonpost.com/national-security/2025/02/19/trump-pentagon-budget-cuts https://www.amazon.com/Boyd-Fighter-Pilot-Who-Changed/dp/0316796883 https://www.cnn.com/2025/02/16/americas/argentina-milei-libra-cryptocurrency-impeachment-calls-intl-latam/index.html https://www.cnn.com/2025/02/18/americas/argentina-milei-defends-libra-crypto-tweet-intl-latam/index.html https://arcinstitute.org https://blogs.nvidia.com/blog/evo-2-biomolecular-ai https://artificialanalysis.ai/models/grok-3 https://x.com/GavinSBaker/status/1891721991444447343 https://www.amazon.com/Henry-J-Kaiser-Builder-American/dp/0292742266 https://x.com/AsteroidWatch/status/1892338055354159256 https://x.com/AsteroidWatch/status/1892631907646447746

Sat, 01 Feb 2025 06:55:00 +0000 https://podcast9d261b.podigee.io/152-new-episode c335938bbd27e5a020ed139da6991942 JETZT Gratis Telekom Aktie sichern, hier gehts zum Smartbroker+ : https://dwbdiv.smartbrokerplus.de/ts/94450/tsc?typ=r&amc=aff.smartbrokerplus.527207.544089.CRTRU4Kn5c3 full no Michael Flender & Daniel Wassmer

Puede ser un fin de semana crucial para la economía de Norteamérica, mantras tanto en México, se observará el PIB y el déficit fiscal en medio del contexto arancelario. También hay datos de crecimiento en EE.UU, tasas en Europa, los reportes de otros dos gigantes financieros y la búsqueda de más capital para inteligencia artificial. 

Join Michelle Martin on her tour of markets! Asia-Pacific markets are trading higher, with Sydney up nearly 0.75% and Tokyo in the green. Michelle discusses Apple's impressive earnings, despite challenges in China, and breaks down the latest from Microsoft, Meta, and Tesla. Las Vegas Sands faces a revenue dip, with Macau struggling, while Marina Bay Sands expands. The AI race heats up with new competition from China's DeepSeek, and insights on Toyota's global dominance and Singapore Airlines' top ranking. Hear Michelle Martin discuss the latest in markets with Ryan Huang.See omnystudio.com/listener for privacy information.

Credit card companies were the cornerstones of “The Golden Age of Capitalism”, opening up transaction opportunities in the post-war era (1945-1973). BUT, you can't hide from Uncle Sam forever! Visa ‘future credit dollars' will no longer de-dollarize the american economy, no more 50% profit margins! Perfect  timing as the Strategic Bitcoin reserve takes shape at Federal & State levels. Will American Bitcoin get F.D.I.C. insurance? So many stories to unpack and more!

11th Dec: Blockchain DXB Podcast 

Le sujet :Choisir sa carte bancaire, c'est un parcours du combattant. Entre la banque, le modèle, les fonctionnalités, le tarif : les possibilités sont infinies. Pourtant, savez-vous qu'un mauvais choix peut coûter très cher sur le long terme ?L'invité du jour :Maxime Chipoy est le dirigeant de MoneyVox, un média qui propose des articles sur la banque et les finances personnelles depuis 2003.Au micro de Matthieu Stefani, Maxime Chipoy nous explique comment bien choisir sa carte bancaire : Les cartes de crédit sont-elles utiles ou risquées ?Doit-on se tourner vers une banque en ligne ?Faut-il craquer pour une carte premium ?Quels sont les frais à éviter ?Quel modèle choisir ?Ils citent les références suivantes :SumeriaGreen GotHeliosLes newsletter de MoneyVoxLe domaine Le MezoAinsi que d'anciens épisodes de La Martingale :L'épisode #70 avec Mounir Laggoune : Chasser les frais cachés pour exploser ses performancesOn vous souhaite une très bonne écoute ! C'est par ici si vous préférez Apple Podcasts, ou ici si vous préférez Spotify.Et pour recevoir toutes les actus et des recommandations exclusives, abonnez-vous à la newsletter, c'est par ici.La Martingale est un podcast du label Orso Media.Merci à notre partenaire Amundi, leader européen de la gestion d'actifs. Découvrez les solutions d'investissements adaptées à vos projets sur amundi.fr

クレジットカード企業がeスポーツ市場に参入し、若年層との接点を強化。JCBやVisa、Mastercardが協賛や人材育成で新たな価値を創出。金融機関の新規ビジネス機会も期待される。

A voice actor quits over Crunchyroll's abuse,VIZ Media is in the top 10 manga piracy copyright takedowns on Google, and Crunchyroll/Funimation has made over 45 million URL takedown requests! Also, My Hero Academia drops a visual to celebrate 100 million manga copies, a dojin store chain to halt Visa/Mastercard payments starting in December, and Trials of Mana gets a live-action adaptation! Meanwhile in Japan, a blog post in 2016 led to an official military report on the legality of deployment against Godzilla: King of the Monsters, and pagers are back, with a twist... --- Support this podcast: https://podcasters.spotify.com/pod/show/animejamsession/support

This Day in Legal History: Nevada Joins the Union by TelegraphOn October 31, 1864, Nevada was admitted as the 36th state of the United States, a remarkable feat as the entire Nevada state constitution was sent to Washington, D.C. by telegraph. This move, a workaround to secure swift approval, resulted in the longest and most costly telegram of its time, spanning over 16,000 words. Nevada's expedited entry into the Union was driven by urgent political motivations: President Abraham Lincoln, up for re-election, sought the state's support for his war policies and for the proposed 13th Amendment, which aimed to abolish slavery nationwide. The telegram cost nearly $4,000, a vast sum at the time, equivalent to over $65,000 today, underscoring the importance of Nevada's statehood in the context of the Civil War and the Union's priorities.Nevadans had moved quickly to draft their constitution, striving to meet the requirements for statehood by the October deadline. Officials feared delays from the traditional route of sending documents by train or stagecoach, so they opted for the more reliable telegraph, despite the high expense. On the eve of Lincoln's re-election campaign, Nevada's admission helped solidify the Union's stance and reflected Lincoln's strategy to add states sympathetic to his policies. With the telegraphed constitution, Nevada became a “battle-born” state, joining the Union at a time when its allegiance to the Union cause was invaluable. The U.S. Supreme Court recently allowed Virginia to remove around 1,600 voters from its rolls just before an election, stirring criticism from voting rights advocates who called it a misuse of the shadow docket. The decision stayed lower court rulings that found Virginia's policy violated federal law by not respecting a required 90-day "quiet period" before elections, during which systematic voter removals are prohibited. Although the court's conservative majority approved the purge, neither the majority nor dissenting justices explained their reasoning, leaving observers unclear if the decision was based on a legal disagreement or if it was influenced by the Purcell principle, which discourages election-related changes close to voting.The case stemmed from an August executive order by Governor Glenn Youngkin mandating daily voter roll updates based on DMV citizenship data, shifting from a monthly process. Lower courts had sided with the Biden administration and voting groups in blocking this purge, but the Supreme Court's quick, unexplained intervention left little clarity. Critics argue that such opaque, rapid rulings—typical of the shadow docket—are problematic, as they provide no legal guidance and can cause voter confusion, particularly given that such actions seem to contradict the Purcell principle, meant to avoid last-minute electoral disruptions.Justices Cause Confusion With No Voting Purge Ruling ExplanationThe Trump campaign filed a lawsuit against Bucks County, Pennsylvania, alleging that election officials turned away voters attempting to request mail-in ballots. According to claims circulated by Trump supporters on social media, some voters left empty-handed after waiting in long lines. County officials attributed the issues to a "miscommunication" and said that people briefly were told they couldn't be accommodated. Pennsylvania Judge Jeffrey G. Trauger granted a preliminary injunction extending the deadline to apply for a mail-in ballot to November 1, finding that the county's actions violated the state's election code.In Pennsylvania, there is no early in-person voting, but voters can apply for mail-in ballots in person, which led to long lines at Bucks County application sites. The lawsuit, supported by the Republican National Committee, the Pennsylvania GOP, and Senate candidate David McCormick, is part of broader efforts in the key battleground state, where polls show close competition between Trump and Kamala Harris. County officials clarified that voters in line by 5 p.m. would be accommodated and assured voters they could pick up their mail-in ballots later in the week if needed.Trump Campaign Sues in Philly Suburb Over Mail-In Ballots (1)Elon Musk has been summoned to a Pennsylvania court regarding Philadelphia District Attorney Larry Krasner's attempt to halt Musk's $1 million-a-day giveaway aimed at registered voters in swing states before the November 5 U.S. election. The giveaway, backed by Musk and America PAC, offers cash to randomly selected individuals who sign a petition supporting free speech and gun rights, as long as they are registered voters in key states like Pennsylvania, Georgia, and Wisconsin. Krasner's lawsuit claims the program constitutes an “illegal lottery” unauthorized by the state and suggests it violates consumer protection laws by allegedly misrepresenting the rules.The legal challenge, set to be addressed by Judge Angelo Foglietta, focuses on state law violations, though legal experts note potential federal implications if the initiative is seen as incentivizing voter registration or influence. Although the U.S. Department of Justice warned Musk's group about possible federal issues, no federal charges have been filed. The initiative has become a major component of Trump's campaign, with Musk providing significant financial backing and voicing public support for the former president.Musk due in court as $1 million voter giveaway faces courtroom test | ReutersA new lawsuit reveals tensions over legal fee-sharing following a massive $5.6 billion settlement in an antitrust case against Visa and MasterCard over credit card swipe fees. Scott + Scott, a law firm involved in the case, is suing co-counsel Robins Kaplan for allegedly reneging on an agreement to pay Scott + Scott $5 million from its share of the settlement fees, ensuring the firm would receive $20 million. This dispute stems from a 2015 informal fee-sharing agreement tied to another case where Robins Kaplan received $50 million in fees.Last year, the 2nd Circuit upheld the $523.2 million attorney fees in the Visa-MasterCard case, allocated to several law firms involved. However, Scott + Scott claims it was only allocated $15 million by Robbins Geller and that Robins Kaplan is now refusing to pay the agreed $5 million difference. The case highlights how class action firms sometimes rely on informal agreements to share fees, which are typically not disclosed. Legal experts note that courts prefer to avoid such disputes after approving settlements and fees. Additionally, Scott + Scott's lawsuit may be complicated by the involvement of Patrick Coughlin, an antitrust lawyer who previously worked with Robbins Geller but later joined Scott + Scott.Legal Fee Tracker: Lawsuit reveals fight over awards after $5.6 bln 'swipe fees' settlement | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

POL NEWS CENTRAL (DAILY NEWS EXCEPT SUNDAY): https://www.polnewscentral.com/ Aftershow Stream: https://cytu.be/r/PNNMovieNight Live show 8PM EST: https://odysee.com/@PNNAmerica/PNNAmericaLiveFeb --- Help by supporting the show: Bitcoin: bc1q775yrp0az9e88yp3nzg0a5p7nzgex0m7e8xcdk Dogecoin: DS1Fp4wmQ1jdbYj4cqi3MJNWmzYe6tt9w4 Monero: 88Lu29Fsa6vHpnaNy87oiD5hmbb8g6bFEdTDsppgeGGY6wyBrJSeb7eeyGivAcTQEjPUwVuMrnWdFReRD3qTSuxDBEzanBf --- MY Website! (Book included): https://www.pnnamerica.com ---

This week James & Patti interview industry attorneys James Huber and Matt Luciani on the proposed $30 billion legal settlement Visa and Mastercard just inked with retailers to make a longstanding lawsuit go away. Then James interviews uber-salesman Rich Norton on mastering the one-call close, and Patti reports on research into consumer and business payments preferences.

So much news, so little time: John and Glen unravel Colorado's new Artificial Intelligence Act, Apple's hookup with OpenAI to fuel its own systems and the apparent unraveling of Visa/Mastercard's merchant settlement. Plus, watching Siri age in warp speed.   Links related to this episode:   Law Firm Mayer Brown's synopsis of Colorado's AI Act: https://www.mayerbrown.com/en/insights/publications/2024/06/colorado-governor-signs-comprehensive-ai-bill  Colorado Public Radio's take on the state law: https://www.cpr.org/2024/06/17/colorado-artificial-intelligence-law-implementation-ramifications/  Javelin Research on the imperiled Visa/Mastercard settlement: https://www.paymentsjournal.com/visa-mastercard-settlement-unlikely-to-be-approved/  Marketing Dive summarizes Apple Intelligence and the OpenAI link: https://www.marketingdive.com/news/apple-intelligence-ai-openai-chatgpt-partnership-wwdc/718539/  The BBC's view from overseas (including Elon's disses): https://www.bbc.com/news/articles/c4nn5mejl89o  Tim Cook interviewed by Marques Brownlee: https://www.youtube.com/watch?v=pMX2cQdPubk    Check out BIG's AI Development offerings, enabling credit unions to streamline operations, amplify member experiences and capture new opportunities in the digital financial landscape. https://www.big-fintech.com/Products-Services/AI-Development  Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors (same handles for both) You can also follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

This Day in Legal History: Flag Statutes in Public SchoolsOn this day in legal history, June 14, 1943, the US Supreme Court issued a landmark decision in West Virginia State Board of Education v. Barnette, profoundly impacting the rights of individuals in public schools. The case arose when Jehovah's Witnesses challenged a West Virginia mandate requiring students to salute the American flag and recite the Pledge of Allegiance, actions contrary to their religious convictions. The Court ruled that forcing students to participate in patriotic rituals violated their First Amendment rights to freedom of speech and freedom of religion. Justice Robert H. Jackson, writing for the majority, asserted that compelling students to salute the flag was a form of coerced speech that infringed upon their individual liberties. The decision overturned the 1940 ruling in Minersville School District v. Gobitis, which had upheld mandatory flag salutes. Jackson famously stated, "If there is any fixed star in our constitutional constellation, it is that no official... can prescribe what shall be orthodox in politics, nationalism, religion, or other matters of opinion."This ruling reinforced the principle that the government cannot force individuals to express beliefs they do not hold. It underscored the protection of individual freedoms against state-imposed conformity, significantly shaping the interpretation of First Amendment rights in the educational context. The Barnette decision remains a cornerstone in American constitutional law, symbolizing the enduring protection of individual liberties in the face of governmental authority.Large national law firms are increasingly establishing offices in Boston, potentially overshadowing local firms that have operated regionally for decades. This year, Simpson Thacher & Bartlett, Paul Hastings, and Blank Rome announced new Boston offices, while Covington & Burling, Arnold & Porter, and Akin Gump Strauss Hauer & Feld did so last year. In a notable move, Goodwin Procter recently recruited a five-partner tech and life sciences team from Cooley in Boston, signaling a consolidation trend in legal services within these sectors. The health and energy industries have remained strong in a sluggish deals market, bolstered by the financial strength of health care giants and incentives from the Inflation Reduction Act.The number of law firm openings in Boston has surged over the past decade, with over 40 firms establishing a presence since 2016. This influx includes regulatory-focused firms like Covington and UK-based Magic Circle firms such as Allen & Overy. As large firms move in, regional firms face the risk of losing talent and clients.Despite these developments, the efforts of new Big Law entrants in Boston remain in their early stages, with firms like Simpson Thacher planning deliberate growth to tap into the city's talent pool.Big Law Firms Eye Boston to Tap Hot Tech, Health Care MarketsThe Federal Energy Regulatory Commission (FERC) has three new commissioners, which could influence the review process for natural gas pipelines and liquefied natural gas (LNG) terminals. Industry advocates argue these projects are essential to meet rising electricity demand, while environmental groups push for rejection due to the long-term climate impacts of fossil fuels. The newly confirmed commissioners—Democrats David Rosner and Judy Chang, and Republican Lindsay See—join FERC at a critical time. With Commissioner Allison Clements' upcoming departure, FERC will regain a 3-2 Democratic majority for the first time in 18 months.Historically, FERC's decisions on natural gas have been contentious, with a 2022 policy to scrutinize gas projects leading to the end of former Chairman Richard Glick's tenure. The new commissioners have indicated a focus on gas infrastructure, despite past environmental concerns. Chang, for example, moderated her previous stance against new gas pipelines during her confirmation hearing.FERC's decisions are crucial amid growing electricity demands, driven by factors like artificial intelligence and increased manufacturing. Natural gas consumption is at record highs, and new power generation, particularly from gas, is necessary to meet future needs. However, permitting reviews and litigation have slowed the expansion of pipeline capacity. Industry experts stress the need for regulatory certainty to align infrastructure with demand, a sentiment echoed by the Interstate Natural Gas Association of America. The new FERC commissioners face the challenge of balancing these competing interests as they begin their terms.Divisive Gas Reviews Pose Early Test for New FERC CommissionersOn June 13, the U.S. Senate Judiciary Committee advanced bipartisan legislation to create 66 new judgeships in federal district courts across states like California, Delaware, and Texas. This marks the first major judiciary expansion in over three decades. The committee's unanimous 20-0 vote moves the JUDGES Act to the full Senate for consideration. If enacted, it will be the first comprehensive authorization of new judges since 1990, addressing longstanding requests to manage rising caseloads in 25 district courts nationwide.The last time new judgeships were created was in 2003, but efforts to expand the federal bench have since stalled due to partisan concerns. The current bill mitigates these concerns by incrementally adding the new judicial seats over ten years, starting in January 2025, after the 2024 presidential election. This phased approach aims to prevent any single party or president from gaining an advantage.Democratic Senator Chris Coons, a co-sponsor of the bill, emphasized the urgency of expanding the federal bench to address the growing backlog of court filings since 1990. The JUDGES Act aligns with recommendations from the Judicial Conference, seeking to add judges in districts facing a "genuine crisis of workload."U.S. District Judge Robert Conrad expressed the judiciary's appreciation for the Senate's efforts. The judiciary currently has 677 authorized district court seats and 10 temporary ones, which another Senate-passed bill aims to make permanent.Initially opposed to adding more judges, Republican Senator Chuck Grassley supported the bill after amendments spread the additions over time. The JUDGES Act now plans to introduce the 66 new judgeships in five stages through 2035, with three temporary judgeships in Oklahoma.A companion bill is pending in the Republican-led House of Representatives, backed by Representative Darrell Issa, chair of the House Judiciary Committee's panel on courts.US Senate panel advances bipartisan bill to create new judgeships | ReutersThe proposed $30 billion antitrust settlement between Visa and Mastercard to limit credit and debit card fees for merchants is in jeopardy. U.S. District Judge Margo Brodie in Brooklyn indicated she is likely to reject the settlement, citing her intent to write an opinion detailing her decision. Both Visa and Mastercard expressed disappointment, describing the settlement as a fair and appropriate resolution to the nearly 19-year-old litigation.Announced on March 26, the settlement aimed to address most claims from nationwide litigation, with small businesses making up over 90% of the settling merchants. Businesses have long argued that Visa and Mastercard's swipe fees, which totaled $172 billion in 2023, are excessive and that the card networks illegally prevent them from steering customers to cheaper payment methods. The settlement proposed reducing swipe fees by at least 0.04 percentage points for three years, capping rates for five years, and removing anti-steering provisions.However, objectors, including the National Retail Federation, criticized the settlement as insufficient, arguing that it would still allow Visa and Mastercard to control swipe fees and prevent future claims by merchants. The case, known as In re Payment Card Interchange Fee and Merchant Discount Antitrust Litigation, is being heard in the U.S. District Court for the Eastern District of New York.Visa, Mastercard $30 billion fee settlement in peril | ReutersThis week's closing theme is by John David Davis.John David Davis (22 October 1867 – 20 November 1942), often known as J. D. Davis, was an English composer born in Edgbaston, near Birmingham. Although he was born into a musical family, Davis was initially sent to Frankfurt to prepare for a commercial career. However, his passion for music led him to study under Hans von Bülow. Davis completed his education in Germany before furthering his studies in Brussels with Léopold Wallner, Arthur De Greef, and Maurice Kufferath.Upon returning to Birmingham in 1889, Davis began teaching music, notably at the Birmingham and Midland Institute from 1893 to 1904. In 1905, he joined the Guildhall School of Music as a professor of harmony and composition and also served as Professor of Solfège at the International Conservatoire in London.In 1919, Davis married Helen Winifred Juta, the daughter of South African judge Henry Juta. The couple lived in Earls Court, London, before moving to Lisbon in 1936. Davis passed away in Estoril, Portugal, in 1942, and his wife later returned to South Africa, where she died in 1952.This week's closing theme is John David Davis' evocative piece, "Summer's Eve at Cookham Lock, Op. 50." Composed in 1916 for the London String Quartet, this work captures the serene beauty of a summer evening at Cookham Lock. Known for its lyrical quality and gentle atmosphere, "Summer's Eve at Cookham Lock" offers a tranquil auditory experience.The piece, also known as an Idyl for string quartet, demonstrates Davis' ability to paint a vivid picture through music. Its delicate melodies and harmonies reflect the calm and reflective mood of a summer evening by the water. This composition stands as a testament to Davis' skill in creating evocative and picturesque musical landscapes, making it a fitting and soothing choice for this week's closing theme. Enjoy. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Для эпизода подкаста про «Историю денег» мы записали больше интервью с Борисом Ведерниковым, лидером команды интернет-банка «Точка». С Борисом мы подробно поговорили про историю развития и становления банковской сферы в России, актуальные сегодня технологические тренды в этой сфере, а также обсудили много внутрянки из жизни банка. Получился объемный разговор, который мы решили не оставлять в ящике пылиться и опубликовать в виде отдельного эпизода. Приходите работать к Борису в «Точку»: https://tochka.com/hr/ Видео-версия — https://youtu.be/BuTOb1MyCaY Таймкоды: 00:00:00 — Вступление 00:02:07 — Развитие банковских услуг в России через теорию нулевого интерфейса 00:05:16 — Какие IT-решения больше всего повлияли на банковскую сферу 00:08:20 — Чем обеспечены деньги на счетах клиентов банков 00:11:51 — Банки стали IT-компаниями или IT-компании стали банками? 00:22:15 — Зачем в банковских приложениях повсеместно появились «Истории» 00:25:20 — Даем определение, что такое «Финтех» в современном мире 00:33:18 — Как так получилось, что в России так развита финансовая инфраструктура 00:37:08 — Заслуженные респекты российскому ЦБ 00:44:20 — Как банк взаимодействует с ЦБ 00:49:00 — Могут ли в реальности произойти события из сериала mr.Robot, где был уничтожен реестр с кредитными данными всех жителей Земли 00:57:54 — Как проходят транзакции между банками внутри страны и между странами 01:06:20 — Разбираемся с цифровыми валютами 01:10:24 — Стоит ли обывателю с паранойей слежки бояться введения цифровых валют? 01:09:30 — Разбираемся по шагам, как проходит платеж с телефона в «Пятерочке» 01:21:20 — Где на этом пути банки зарабатывают деньги, и почему вас все чаще просят платить по QR-коду 01:27:45 — Зачем банкам нужны платежные системы, когда они могут между собой договариваться сами 01:29:17 — Насколько МИР заменил Visa и Mastercard 01:34:50 — Зачем банкам тогда свои платежные системы? 01:35:50 — Могут ли биометрические данные быть скомпрометированы? 01:43:30 — Завершение и прощание  

This episode was produced remotely using the ListenDeck standardized audio & video production system. If you're looking to jumpstart your podcast miniseries or upgrade your podcast or video production please visit www.ListenDeck.com. You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Podcasts, Stitcher, Spotify, Amazon and iHeartRadio. In this episode, the host John Siracusa had a remote chat with Robert Kraal, Co-Founder of Silverflow.  In this interview they discuss the company's role as an acquirer processing platform, particularly the need for a modern technical solution to connect payment providers to card networks like Visa & MasterCard.  Subscribe now on Apple Podcasts, Google Podcasts, Stitcher, Spotify, Amazon and iHeartRadio to hear next Thursdays episode with Ankur Joshi from Nuclei. About the host: John is the founder of ListenDeck a full-service podcast and video production company, which has produced over 1500 episodes of various podcasts. He is the host of the ‘Bank On It' podcast, which features over 600 episodes starring high profile fintech leaders and entrepreneurs. Follow John on LinkedIn, Twitter, Medium

Glen shares interviews with Saisi Peter, Co-Founder of Casap, the 2024 winner of NACUSO's Next Big Idea competition, and Anne Legg of Thrive Strategic Services outlines the steps credit unions must take to prepare for Generative AI. Also- Stripe unbundles and the NRF gets cranky (is that news?)    Links related to this episode:   Next Big Idea winner Casap: https://casaphq.com/  Thrive Strategic Services: https://www.anneleggthrive.com/  Replay of the full CU Town Hall featuring Anne Legg discussing credit unions' preparedness for Generative AI: https://www.big-fintech.com/Media?p=cu-town-hall-episode-114  Next Big Idea runner-up Debbie's partnership with MSUFCU: https://www.joindebbie.com/articles/debbie-launches-debt-payoff-rewards-with-msufcu  Story on Stripe's decoupling of its payment services: https://fintechmagazine.com/articles/strategy-shift-stripe-de-couples-payments-from-tech-stack  The National Retail Federation's formal objection to the Visa/Mastercard settlement: https://cdn.nrf.com/sites/default/files/2024-04/VisaMastercard-PreliminaryObjections.pdf  NACUSO: https://www.nacuso.org/    Register for our next CU Town Hall on Wednesday May 8 at 3pm ET/Noon PT when Anne Legg will join us to continue early April's discussion of the foundation credit unions must establish to leverage Generative AI. As always, expect a live and lively interactive conversation tackling the key issues facing CUs. It's free to attend, but advance registration is required:  https://www.cutownhall.com/     Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors (same handles for both) You can also follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

Last month, the Reserve Bank of India directed credit card issuers or banks to not sign exclusive contracts with card networks, like Visa and Mastercard, that restrict them from using other networks. The RBI did this because it said consumers deserve to have the freedom of choice. This new rule will be effective from early September and it will change the credit card game as we know it.For starters, the American card network giants Visa and Mastercard who together have been dominating 90% of the market for forty years now will no longer be sitting easy. The directive is also bad news for co-branded credit cards, one of the most popular products in the financial-services market.But for home-grown Rupay, this is great news. It's almost like the government has created a fast lane for it. But will Rupay take it and win?Tune in.Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

This month we had the chance to talk about:* BaaS drama continues, with Piermont and Sutton receiving consent orders* Chime has HOW MANY customers?* Trade groups vs. Colorado on DIDMCA, or, where is an online loan “made”?* Quick takes on the Visa/Mastercard settlement* And, as always, what we just can't let go ofIf you enjoy listening to this podcast and find value in it, please consider supporting me (and finhealth non-profits!) by signing up for a paid subscription. It wouldn't be possible to do what I do without the support of listeners like you! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

謝謝收聽。 如果你也喜歡我們的節目，請幫忙按讚或五星好評並分享給你的朋友，如果還沒有訂閱，歡迎免費訂閱(Follow)我們在Podcast和YouTube的頻道：go潮生活，每次更新你都會第一時間收到通知。   聯繫我們：gofreshfashionus@gmail.com   YouTube頻道: go潮生活 https://www.youtube.com/channel/UCTIHAxGvS-a1_-9FbrAEyww   Podcast播客: go潮生活   Spotify: https://open.spotify.com/show/1x9cWijAsecL7ZywPV38yn Spotify for Podcasters: https://podcasters.spotify.com/pod/show/gofreshfashion Radio Public: https://radiopublic.com/go-6r3q1k Pocket Casts: https://pca.st/pip6qwsv Google Podcasts: https://www.google.com/podcasts?feed=aHR0cHM6Ly9hbmNob3IuZm0vcy8zMGM4NTI4Yy9wb2RjYXN0L3Jzcw==   追蹤我的 Instagram： radio_host_vic  追蹤我的Facebook：Go潮生活 追蹤我的小紅書： http://www.xiaohongshu.com/user/profile/606b8cd5000000000100132d?xhsshare=CopyLink&appuid=606b8cd5000000000100132d&apptime=1646789932 --- Support this podcast: https://podcasters.spotify.com/pod/show/gofreshfashion/support

Glen speaks with Competiscan Founder/CEO Richard Goldman about the insights promotional mail can generate about events like the proposed Capital One/Discover merger. Also- more headaches at Discover, and looking into the less reported corners of the Visa/ Mastercard settlement.     Links related to this episode:   Competiscan: https://www.competiscan.com/  Glen's blog dissecting the Visa/Mastercard settlement: https://www.big-fintech.com/Media?p=exploring-the-issuer-aspect-of-the-visamastercard-settlement Glen's blog on the Capital One/Discover merger: https://www.big-fintech.com/Media?p=the-capital-onediscover-deal-a-test-of-typical-battle-lines-and-a-credit-union-angle  Story about squatters grabbing Capital One/Discover domains: https://domainnamewire.com/2024/03/29/capital-one-sues-to-get-discover-merger-domain-names/  Submission form to join Competiscan's Consumer/Small Business Panels: https://www.sbkcenter.com/consumer.html     Join us for our next CU Town Hall on Wednesday April 3 at 3pm ET/Noon PT for a live and lively interactive discussion of the key issues facing credit unions. (Did we mention there'll be a cool tech giveaway to one FI attendee?) It's free to attend, but advance registration is required:  https://www.cutownhall.com/     Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors (same handles for both) You can also follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/ https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

Top Stories:1. Boeing CEO steps down⁠PSBJ article⁠2. Ballard dive bars⁠Seattle Times article⁠3. Visa/Mastercard suit settles re: fees⁠NPR article⁠4. Bellevue company Ponzi scheme?⁠Seattle Times article⁠5. Strip club legislation passes in WA⁠Seattle Times article⁠ About guest co-host:Marceil Van Camp is the co-owner of Kamp Social House, a restaurant & bar located in Madison Valley that opened about 2 years ago. She is also a real estate broker for Compass. Prior to these roles she worked at Amazon in both sales and marketing. About host Rachel Horgan:Rachel is an independent event producer, emcee and entrepreneur. She worked for the Business Journal for 5 years as their Director of Events interviewing business leaders on stage before launching the weekly podcast. She earned her communication degree from the University of San Diego. Contact:Email: theweeklyseattle@gmail.comInstagram: @theweeklyseattleWebsite: ⁠⁠⁠www.theweeklyseattle.com

This week: Truth Social is the latest meme stock, and buying it could win favor with a president. Felix Salmon, Emily Peck, and Elizabeth Spiers discuss what Truth Social means for Trump, whether Sam Bankman-Fried's 25-year sentence is too harsh, and a Visa/Mastercard antitrust settlement that could change credit card fees as we know them. (Platinum holders beware.) In the plus segment: Why a global chocolate shortage is racking the candy industry. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: Truth Social is the latest meme stock, and buying it could win favor with a president. Felix Salmon, Emily Peck, and Elizabeth Spiers discuss what Truth Social means for Trump, whether Sam Bankman-Fried's 25-year sentence is too harsh, and a Visa/Mastercard antitrust settlement that could change credit card fees as we know them. (Platinum holders beware.) In the plus segment: Why a global chocolate shortage is racking the candy industry. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: Truth Social is the latest meme stock, and buying it could win favor with a president. Felix Salmon, Emily Peck, and Elizabeth Spiers discuss what Truth Social means for Trump, whether Sam Bankman-Fried's 25-year sentence is too harsh, and a Visa/Mastercard antitrust settlement that could change credit card fees as we know them. (Platinum holders beware.) In the plus segment: Why a global chocolate shortage is racking the candy industry. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week: Truth Social is the latest meme stock, and buying it could win favor with a president. Felix Salmon, Emily Peck, and Elizabeth Spiers discuss what Truth Social means for Trump, whether Sam Bankman-Fried's 25-year sentence is too harsh, and a Visa/Mastercard antitrust settlement that could change credit card fees as we know them. (Platinum holders beware.) In the plus segment: Why a global chocolate shortage is racking the candy industry. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Visa and MasterCard reach a $30 billion deal with US retailers, Merck receives FDA approval for Winrevair in the US, and why the Artisan Developing World Fund is a wolf in sheep's clothing. For information on how to join the Zoom calls live each morning at 8:30 EST, visit https://www.narwhalcapital.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhalcapital.com/disclosure

 Listen for the latest from Bloomberg News See omnystudio.com/listener for privacy information.

Welcome to Omni Talk's Retail Daily Minute, where we unveil today's groundbreaking headlines shaping the retail landscape.McDonald's and Krispy Kreme join forces in a nationwide partnership, bringing Krispy Kreme Doughnuts to McDonald's locations by 2026.Visa and Mastercard settle a long-standing class action lawsuit, reducing merchant fees and introducing caps for five years.Amazon expands its same-day delivery services to include prescription medications in New York City and the greater Los Angeles area through Amazon Pharmacy.Walmart announces a strategic partnership with Bryant Heating & Cooling, allowing customers to access energy-efficient HVAC products and services directly through Walmart's website.Stay tuned for more transformative developments in the retail industry, brought to you by Omni Talk. Be careful out there!

En el próximo episodio de El Brieff, exploramos un abanico de noticias impactantes: desde la investigación sobre el descarrilamiento del Tren Maya en México, que sugiere un posible sabotaje, hasta la alarma por las pérdidas económicas millonarias en América Latina debido a riesgos cibernéticos. También cubrimos temas críticos como la creciente dependencia de México del maíz importado, decisiones judiciales que marcan un antes y un después para Julian Assange y Visa/Mastercard, y movimientos significativos en el mundo empresarial y deportivo, incluyendo el probable regreso de Adam Neumann a WeWork y las estrategias de Red Bull en la Fórmula 1. Crea el cerebro estratégico de tu negocio con STRTGY, contáctanos en este correo: arturo@strtgy.ai y conoce más en nuestro sitio web.Apoya este podcast suscribiéndote a Brieffy y accede a todo nuestro contenido para líderes de negocios. Descarga nuestra app aquí. Hosted on Acast. See acast.com/privacy for more information.

El líder de BlackRock revela sus preocupaciones sobre las jubilaciones y la deuda de Estados Unidos. También revisamos los impactos del puente derrumbado. Los futuros del cacao encienden alarmas. Dos mujeres poderosas salen de dos empresas clave del sector financiero y cómo le fue al SPAC de Truth Social.

1. P. Diddy (Sean Combs) Homes Raided Amid Sex Trafficking Investigation (0:34)2. Francis Scott Key Bridge Collapses in Baltimore After Collision with Cargo Ship (3:04)3. Trump's DJT Starts Trading on NASDAQ Exchange (5:54)4. TX Attorney General Enters Pre-Trial Agreement with Prosecutors Over Securities Fraud Charges (6:37)5. VISA and Mastercard Settle with U.S. Merchants Over High Swipe Fees (8:00)6. Supreme Court Hears Oral Arguments in Abortion Pill Case (FDA v. Alliance for Hippocratic Medicine, Danco Labs v. Alliance for Hippocratic Medicine) (9:39)If you enjoyed this episode, please leave me a review and share it with those you know that also appreciate unbiased news!Watch this episode on YouTube.Follow Jordan on Instagram and TikTok.All sources for this episode can be found here. 

00:10 | IPOs return in 2024?; Joshua Brown, Michael Batnick, CFA, + The Compound- Nasdaq has to be performing well for IPOs to come and perform well- the IPOs that are coming, e.g. Reddit, Inc., need to do well post-IPO if we want to see the flood gates openSubscribe to Josh & Michael's The Compound….- YouTube = https://lnkd.in/e3tnDAXc- Podcast = https://lnkd.in/gN4eiaaE02:54 | $1.5 trillion Starlink valuation- Starlink has satellite internet monopoly- 2.6 billion people (33% of global population) have no access to internet- Starlink charges a monthly subscription fee of $50 to $110 per month- 10% market share, or 260m subscribers, at $50/month is $156b in annual recurring revenue- 10x revenue multiple that's a $1.56 trillion valuation06:02 | MStanley Wealth's new pre-IPO stock trading desk- MStanley Wealth clients can now purchase pre-IPO stocks- 1,000 stocks available- Congrats to MStanley … this is a great solution/business- AG Dillon & Co offers this same service to indie RIAs/IBDs- AG Dillon SpaceX Fund and AG Dillon OpenAI Fund accepting new investors now07:34 | X debt restructuring- MStanley and other lenders looking to restructure $12.5b in X debt- Banks seek to derisk position, negotiations have not been successful- X placed a $19b internal valuation on the business in Oct 2023 which is down from its $44b purchase price in late 202208:52 | Monzo Bank's $5b valuation- Alphabet, HongShan (Sequoia China), and Tencent invested $430m- 88% yoy revenue increase, profitable for 2023- 9.4 million UK customers- Last round was in Jan 2022 at a $4.6b valuation10:19 | Revolut + Consensys' Metamask new product- Revolut Ramp steamlines purchase of crypto in Metamask wallets- 20 cryptocurrencies converted from fiat in Revolut bank accounts or via Visa/Mastercard payments- Revolut has a $17.7b secondary market valuation, -46% from its last primary round in Jul 2021- ConsenSys has a $7.7b secondary market valuation, +9.5% from its last primary round in Mar 202211:56 | Apple kills Epic Games in EU- Apple revoked developer account for Epic Games Sweden AB- Epic cannot reintroduce Fortnite to iOS in Europe- Epic has a $22.5b secondary market valuation, +26% from last primary round in Feb 2024. Disney invested in that round.13:30 | Webull Financial $7.3b SPAC deal to close in 2H 202414:35 | Pre-IPO +0.39% for week- Week winners: Chainalysis 15.5%, Epic Games 9.8%, Consensys 6.6%, Brex 4.6%, Stripe 2.2%- Week losers: Flexport -11.9%, Neuralink -6.3%, Anthropic -4.9%, Discord -2.5%, Airtable -1.4%- Top valuations: ByteDance $284b, SpaceX $184b, OpenAI $108b, Stripe $66b, Databricks $49b

Join us for insights into the Visa/Mastercard Settlement with Mike Strawhecker from The Strawhecker Group, a leading advisor to the payments industry and Jon Gadd, EVP of MCAG. To learn more, contact MCAG at 1-800-355-0466.

Carrying a balance on your credit card from one month to the next may not be recommended but for many Americans it's unavoidable. On the latest episode of PennyWise, show producer Ambre Moton is joined by John Kiernan, managing editor of WalletHub, who shares the the top credit card mistakes to avoid.  Read more on WalletHub here! About this program Nat Cardona is host of PennyWise as well as Lee Enterprise's true-crime podcast Late Edition: Crime Beat Chronicles. Lee Enterprises produces many national, regional and sports podcasts. Learn more here. John Kiernan is the managing editor at WalletHub. He oversees WalletHub's content strategy and helps produce product reviews, educational guides, and other content to help answer people's financial questions and help them save money. John joined WalletHub's parent company as a writer in 2010. Since then, he's helped build WalletHub from the ground up, becoming one of the most senior members of the team. His previous work experience includes USA TODAY, US News and The Washington Post. Episode transcript Note: The following transcript was created by Adobe Premiere and may contain misspellings and other inaccuracies as it was generated automatically: It's been hammered into our heads to not carry a balance on our credit card from month to month and to live within our means. And yet Americans are notorious for being fairly deep in credit card debt. Welcome to Pennywise Lee Enterprises podcast. I'm Ambre Moton, the producer and editor of the show filling in for Nat Cardona. WalletHub managing editor John Kiernan is joining me to talk about credit card mistakes to avoid. Based on the article, it looks like there's eight common mistakes that people make in regards to credit cards. So let's start with that. There are so many options for credit cards right now. What should people be taking into account when selecting cards? What are the most common credit card selection mistakes? Sure, the first one right off the bat is not having a credit card. Some people kind of think it's dangerous to have one, but really not having one is is dangerous, especially for your credit, regardless of what card you pick. If you have a major credit card, it's going to be reporting information to the major credit bureaus monthly. And so you could have a card with no annual fee that you lock in a drawer and still benefit. So kind of the fear of credit cards that some people have is one thing you immediately need to get over. Beyond that, as you mentioned, there are tons of options. We track more than 1500 cards in our database at WalletHub. And so it really what you focus on really depends on who you are as a consumer and what you're looking for from your card. And that might seem obvious, but it can be more difficult in practice. The first thing we recommend people doing is checking their credit score. This will immediately kind of focus you on a segment of the market. You have a pretty good idea that you'll be approved. So if I check my credit score and say that it's 700, I say, okay, maybe I have a pretty good chance of getting a credit card that requires good credit and I can kind of rule out the ones that are have lower requirements that are very attractive or the ones that require excellent credit outright. And beyond that, just kind of the main rules of thumb are if you're going to pay in full monthly, you should focus on rewards because interest rates don't matter in that scenario. So you can kind of a card that has excellent rewards and a really high interest rate, that's fine. The interest rate won't affect you. Conversely, if you're going to carry a balance, we recommend trying to get a card with a 0% introductory rate to really kind of be able to finance whatever big ticket purchases or balance transfers you need to do in the short term and then get out of debt before the high regular rate takes effect. Pretty much no credit cards at the moment have very low regular, ongoing APR. So you kind of have to take advantage of limited time deals. I know I'm constantly getting all the offers where it's like, Hey, here's this, here are all the perks, here's all of that. So I really like you talking about if you're going to pay it off every month, then go ahead and go for those. And those offers you get in the mail. Like a lot of times people will just say, I got an offer. Let me apply for it without context, which is the wrong approach. But you can use those to get a sense of what kind of offers you have good approval odds for. If you're receiving something in the mail for a card that requires good credit, you can pretty feel pretty confident and you'll have good approval odds for other cards, for good credit. And you can then kind of say, Can I beat the offer that I got in the mail with other cards that are on the market? Gotcha. In the article, there was something about mistaking no preset spending limit for a limitless credit line. Can you talk about that for a minute? Sure. So this is kind of something the credit card companies are intentionally misleading about having? No. And limit, in the short phrase, kind of gets people thinking, I have I can spend as much as I want. There are no restraints. But the kind of preset part of no preset spending limit is very important. So all credit cards have a limit. Is just the limit on a no preset spending limit card can vary from month to month based on your spending and payment habits. The state of the economy. They can be issuers, financials. And the problem with that is they don't always communicate to you what that limit is. So with these cards, you don't sure have a firm set limit that's in your online account that you can reference, but there is a limit of them of the day. And there's a lot of uncertainty that comes along with that. The other problem with that is that the credit card companies don't always communicate. No preset spending limit cards, spending limits accurately to the credit bureaus. So this can sometimes lead to mistakenly high credit utilization that can hurt your credit score. It really kind of depends on how the issuer reports things. So it can vary, but this isn't to say that those cards are something you should stay away from. Some of these cards are the best among the best cards on the market for certain types of rewards and things like that. But it's definitely something to take into account and to not be misled by it. And another thing that I thought was really interesting was thinking that college students can't use credit cards. I remember being an undergrad, and any time you go to a game or an event or even like career fairs, there's always someone handing something out. But I feel like we were always told, No, no, no, you can't have one. You can't have one. You're not, you know, you're still a student. So, yeah, things have kind of the pendulum has swung throughout the years back in the day. You're right that you could go get a free T-shirt or Frisbee or whatever. Can they get your information Signing up for a credit card. Laws have since changed, and so they can no credit card companies can't do that type of direct kind of outreach on campus anymore. But a lot of people have taken that combined with rules about independent income when applying for a credit card, and they've mistaken it to be that you can't get a credit card as a student. But all the rules really require now is if you're under 21, so 18 to 21 years old, you have to use independent income to show that you can afford bill payments. And the difference is older people can use shared household income. They have reasonable access to it. And so it's basically everyone at the end of the day has to prove or show that they can afford a new credit line. And with students, they just want to make sure that you're not just kind of reporting your their parent's income or something like that. And they really can afford the the credit that they're taking on. We all know that, you know, it's important to build credit. But what do people usually get wrong when they're building credit with credit cards. Kind of going back to not having a credit card? It's really not getting started early. I know one thing that I'm thankful of. My parents made me an authorized user on their credit card when I was young, before I could get one on my own. So by the time I was able to apply legally at 18 and get my own credit card account, I already had some credit standing, so it made it easier to get approved. So you can add someone to as an authorized user to your account when they're a minor and help out on the credit. And then once you turn 18, I think people really need to get their own credit card, even if they don't plan to use it. So they get that monthly influx of information to their credit bureaus and their credit reports. The contents of your credit card is what makes up your credit score. And so and using the credit card responsibly is the easiest way to get information onto your credit report month after month. And you don't even need to use it. You can just open a card with a $0 fee and lock it and draw and you'll benefit. When it comes to looking up your credit score. Do you ever pay to get your credit score? No, definitely not there. I'm obviously a little biased because Wallethub does free credit scores and credit reports and credit monitoring, but there are a ton of options, reputable options these days that have free credit scores and reports. And you're going to those are based, again, on the information, your major credit reports and so with the kind of prevalence of so many free options that are reputable and will tell you what you need to know, there's really no reason to try to pay. A lot of people think, I need to get the exact same model as the credit card company or the lender is going to be using. But that's really tough to do because the lenders all modify kind of the publicly available models with their own in-house variations is never really going to get the same exact model. And the different credit scores are basically kind of directionally the same. I think there's a CFPB report a few years ago that said there's like a 90% correlation between the contents or the credit scores, the final credit score, credit ratings based on the different models. So they're pretty much kind of on par. Basically, if you're checking the same free one over time, that's what you really want to see. So if you're improving by any of those models or any of those free scores, you should be improving by the others as well. Awesome. Okay, then we have to talk fees. I know I'm always getting mailings about transferring balances or fees on cash advances. What are some of the more common credit card fee mistakes? Well, on one end of the spectrum, a lot of people see annual fees and say, okay, a card with an annual fee must be worse than one with a fee or vice versa. They have these assumptions, but you really need to try to take into account what the card offers in return for the fee. So if you're going to get a $500 initial bonus and 5% cash back on purchases, but you have to pay a $95 annual fee, you still might come out and you're likely to come out way ahead at the end of the day, once you take that into account and the no annual fee card could be more at the end of the day, or it might not. Knowing your fee is kind of it's more likely to save you more when you're not going to be using the card super often or spending a lot on it. But the bottom line is people should have kind of an open mind about annual fees and take into account what they're getting for that. When it comes to balance transfer fees, it's a it's a similar situation. Most of the best balance transfer cards that offer 0% introductory APRs for the longest possible period do charge a 3% balance transfer fee. You have far fewer options if you want a card without a balance transfer fee and the intro periods are going to be much shorter. So if you don't need as long to pay to pay off what you're going to be transferring. For example, if you could do it in 12 months instead of 21, then the no fee option will probably saved you more money. But if it'll take you a much longer time than a card with a fee balance transfer fee like you said, be more given how expensive the regular interest rates on balance transfer cards are. So if you don't pay off the full balance transfer by the time the intro period ends, the remaining amount will be subject to the regular MPR. And so that could end up being a lot more expensive than a 3% fee. Gotcha. I had a couple of teammates in college who would joke around about how using a credit card was free money and then they would, you know, try and consolidate or transfer and things like that. And I think they just kind of ended up spending a lot more on the fees. And I think that that is a concern. A lot of people think they can hop from one card to another, but it's kind of like musical chairs at some point they up the offers kind of dry up or become very expensive in terms of fees. And so then you're kind of left holding a pricey bag, not the good kind, I guess. So what can you say about the mistakes that people are making about spending and payments? Is it the end of the world if you miss a payment or if you're late? Yeah. So it's not the end of the world if you missed kind of one due date, especially because credit card companies usually don't report a missed payment until the second due date. So you're 30 days late on the first and you've missed your second due date or been report was late and that's very bad for your credit score, especially if you keep being reported as late. So you want to avoid that. But if you happen missed one due date or something like that, that's often not the end of the world. What I would definitely recommend is calling your credit card company or company and saying, Hey, whatever the case may be, something came up and I paid on time every time until then. Can you kind of mark me as on time when I make it up or waive the late fee? We've done surveys of and people credit card companies are more willing than you might think to kind of forgive a one off fee or something like that, especially to keep you as a customer in terms of the missing payments. Beyond that, obviously, like, you can have some leeway if you missed one or something like that. But the best thing to do is to set up automatic payments from a bank account. If you're like me, you're kind of forgetful. You're liable. Sorry. my gosh. That payment was due three days ago. If you don't have something automatic set up so setting up from a bank account kind of just takes forgetfulness out of the equation and it can be really helpful. I know early on in my credit card career, I've missed a payment and just because I forgot. But since I autopay and I haven't since there's some kind of things you need to take into account with that you can't just forget about your account and not look at the charges ever, because it could be something that you got overcharged for a fraudulent purchase or something along those lines. And you need to make sure you're kind of keeping within your budget and all that. Is it, I guess, worst to exceed your credit limit or do a cash advance? Are they both bad? Yeah, neither is very good. You might not be able to exceed your limit. It's up to the kind of issuer if they'll approve a transaction that would go over your limit or not. But maxing out your card is definitely not good for your credit score. It's not the end of the world. If it happens at one point and you pay it off pretty quickly thereafter. A cash advance, kind of a similar situation. It's bad in the sense that pretty much all cards will charge a fee for the cash advance. And you might also be hit with ATM fees. And then there's a high interest rate that starts applying immediately. There's no grace period for cash advances, but if you're okay with like an $8 fee or whatever the case may be, and you can you need cash for something for some reason, you can't get it another way and you'll be able to pay it back pretty quickly. So you're not accruing much interest. It's not the end of the world, but it's not something you want to be doing on a regular basis, Right? So in case of emergency as opposed to something you can do. Exactly. And if you have to do it, the sooner you can pay it off, the better. Fraud and identity theft. What mistakes are people making in this category when it comes to credit cards? Yeah, The biggest mistake people have here is kind of not being engaged, not reviewing their account history. One of the the benefits of credit cards is that all major cards have a $0 fraud liability guarantee. So if you notice a fraudulent charge or charge, you didn't make or charge double for something by a merchant by accident, you're not going to have to pay for that. But you it's better if you can notice it and tell the credit card company because they won't always catch everything. So reviewing your monthly statements, just watching out for things like that, it in the most important and as with your email and other important accounts, changing your password regularly is a good idea. Just in case lots of accounts are kind of compromised and data breaches and things like that. You know, make your yourself less of a target if you have a good strong password being changed fairly regularly. You know, that sounds something I definitely need to get better about. It's changing those passwords need to know what are the best tips to kind of combat the mistakes that are commonly made when it comes to using credit cards internationally. Yeah, it's a good question. The biggest thing is before you leave to make sure you have a no foreign transaction fee credit card, about 70% of cards do charge foreign transaction fees, but a growing number of issuers such as Capital One don't charge foreign fees on any of their cards. And so the foreign fee is important because it's usually around 3% that every purchase that's process internationally. And so if you're going abroad, you're going to end up making a lot of purchases and spend 3% more than you have to, which is going to add up to a lot. So getting no foreign fee card on the Visa MasterCard network will help you avoid that extra costs and we'll be able to use it pretty much wherever cards are accepted. The additional benefit to using a credit card is Visa. MasterCard automatically gives really competitive exchange rates. And so you're going to be getting a lot more bang for your buck on the conversion than you would if you're converting hard currency at a local bank or an airport kiosk. And it's going to be happening automatically. So you'll need to be carrying around hard currency and worry about getting pickpocketed or losing it, etc. And unlike cash, your credit card can be easily replaced and you don't have to you're not liable for purchases made with it if it gets stolen. So you have the cost savings and the security and the convenience of not having to lug around a bunch of extra stuff when you're when you're traveling abroad. I know my last trip I went to Barcelona by myself and I did get cash once I got there, but I mainly used a credit card that didn't have a foreign transaction fee, and so I just tracked everything set and already set aside money. So I knew as soon as I got home I could pay it off. So but that's yeah, definitely. You know, my friends were like, “No, just get cash!” I think people feel like they're a little more immersed or something when they have the local currency, but they can take that, that feeling and you can save 3%. The other benefit I went after college on a trip, I think starting in Spain, I went to France and a bunch of places, but my bags were delayed. They lost them for a long time and I basically had to buy a bunch of new stuff and it would have been really expensive. But my credit card had baggage insurance. wow. So I basically could just submit the receipts. I'm mad because I went shopping in France and got a bunch of not nice stuff. And yeah, I felt more secure at the time of the benefit than I could have gone crazy. But but yeah, so those types of secondary benefits can really help you out in a pinch too. Yeah, that's cool. Definitely have to look into that because I've had my bags delayed getting to me while traveling too. So that's. Yeah, that's a good one. Okay. So so far we basically talked about, you know, credit card debt as it relates to individuals. But what are some of the common business credit card mistakes? Most of the same mistakes apply for consumers and businesses. There are some differences in the regulations on consumer cards and business cards that kind of can maybe influence your decision. So, for example, business cards aren't subject to the same rules under the CARD Act as consumer cards. And so one of the rules that allows kind of the business credit card issuers to increase interest rates whenever they want, and some credit card companies have proactively extended the rules to their business cards. And so it's not a concern, but it's kind of it's not something you can rely on as much with a financing. So a lot of business owners might want to get a 0% consumer card, especially if it gives 0% for longer. And some people might be worried about using a consumer card for business given the increase in liability. But one thing a lot of people don't realize about business cards is that you're personally liable for any debt on those because credit card companies generally view a small business as an extension of the owner's personal finances. So you can really cast a wide net when you're looking at business credit cards. A lot of times with with rewards and other features like that, you can get a little more functionality from a business credit card, but you can also consider consumer cards if they can get you better deals as well. That makes sense. Well, is there anything that we haven't talked about that you think is really important that our listeners learn about credit card debt and mistakes that people make. Not really paying attention to the latest offers is is probably something to consider. People maybe shop for credit cards a couple of years ago. And then I think the market doesn't change so much. But we're seeing a lot of competition. So kind of the initial bonus offers are among the most attractive they've ever been 0% periods or as long as 21 months. Right now. And I guess the other thing is if you want to have get a better credit score or have a better credit card, the kind of long term thing you need to do is improve your credit score and try to earn more money, income and your credit history. The most important things and the best cards overall require good or excellent credit. And in the short term, just comparison shopping is really important. Not taking any offer in a vacuum and kind of saying, okay, one initial bonus, let's compare the different offers out there and get the best one based on the numbers. And as a plug, WalletHub can can help you do that. Pretty awesome. That's great. Well, John Kiernan of WalletHub, thank you so much. We appreciate it. Thanks for having me. Support the show: https://omny.fm/shows/pennywiseSee omnystudio.com/listener for privacy information.

We're joined by Imprint cofounder and Thrive General Partner Gaurav Ahuja to dive deeper into the modern payments ecosystem and Visa's current place within it. Gaurav was one of our research sources for the Visa episode, and we wanted to bring his insights to you all too. We discuss whether Visa really should be worried about eroding interchange fees, the impact of realtime payments systems, opportunities for startups and whether the Visa / Mastercard duopoly could really be overthrown. Tune in and enjoy!Links:https://www.federalreserve.gov/paymentsystems/files/Avg_IF_by_PCN.pdf

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A new Closest to the Pin announced. UAW strike lingers... Fed rate decision ahead. Consumers are feeling the pinch. PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm Up - Announcing a NEW Closest to The Pin this week - Plenty of interest in new legislation up for vote - Retail worried about holiday season - hiring trends - Clorox Update - Waiting  and Waiting for Fed decision - markets on hold... Market Update - Ugly and the the week - markets spooked on inflation and eco - Wednesday is the day - Fed rate decision meeting - UAW Strike - EU Leaking proof it's decisions - Oil prices starting to pinch Commentary - Overall - markets are in a consolidation mode, eco is relatively strong with a few dispensed pockets of weakness. - Consumers are starting to feel the pinch - Several bears have finally capitulated - that is a concern (another one of those one sided things that is never discussed - when bulls capitulate it is good - when bears capitulate - it is good)" - Oil prices - that is a concern - Yields still rising - China may be bottoming - that is good sign - Inflation - slowing down, but Fed may have more work to do - Earnings outlook - hard to image much better from here - what is important is the forward multiple Fed Heads - The Federal Reserve is unlikely to raise interest rates at its Oct. 31-Nov. 1 meeting, Goldman Sachs strategists wrote on Saturday, while also forecasting the U.S. central bank would lift its economic growth projections when policymakers gather next week. - "On November, we think that further labor market rebalancing, better news on inflation, and the likely upcoming Q4 growth pothole will convince more participants that the FOMC (Federal Open Market Committee) can forgo a final hike this year, as we think it ultimately will," the investment bank's strategists wrote in a report. - Current market bet s that there will be no hike this meeting - but potential for hike (0.25%) next meeting Some Legislative Stuff MJ Bill - The Senate Banking Committee has scheduled marijuana banking legislation for a vote on Sept. 27, a much-anticipated move that would advance one of Senate Majority Leader Chuck Schumer's top priorities to the Senate floor. - The bipartisan SAFE Banking Act sponsored by Democrat Jeff Merkley of Oregon has bipartisan support, including from the lead Republican sponsor, Steve Daines of Montana, who heads his party's campaign committee. - Backers of the legislation have been increasingly optimistic they will easily exceed the 60 votes needed - If signed into law, the SAFE Banking Act would enable cannabis-related businesses (CRBs) to transact business by means other than cash Credit Card Legislation - Credit Card Competition Act of 2023 - It would require the largest credit-card issuing financial institutions in the country—those with assets over $100 billion–to enable at least two credit card networks to be used on their credit cards instead of just one, and at least one of those networks must be a network other than the Visa/Mastercard duopoly. - There is concern that this bill will potentially reduce airline (and other) reward points as competition will drive transaction fee prices down and need to drop incentive programs --- - HEADLINES on socialize media and internet about how this bill kills reward programs - however, does not seem that is a true statement - Similar legislation failed to pass in 2022 Oil - Recap of our discussion last week - Oil looks like destined to keep moving to $92 - then what? - Currently trading at $91 - A move above $92 would put $95 in play - as long as OPEC+ keeps with voluntary production cuts Retail Confidence

This week's special interview-only episode of Extra Serving features Sean Kennedy, the executive vice president of public affairs for the National Restaurant Association. Kennedy spoke with senior editor Ron Ruggless about the new Credit Card Competition Act of 2023.The Act, introduced by U.S. Representatives Zoe Lofgren (D-CA-18) and Lance Gooden (R-TX-05), along with U.S. Senators Dick Durbin (D-IL), Roger Marshall, M.D. (R-KS), Peter Welch (D-VT), and J.D. Vance (R-OH), is meant to increase competition amongst credit card companies to combat “excessive” fees.The Act is aiming to get rid of the duopoly of Visa/Mastercard in the system to allow for more competition in the market and reduce fees, which are typically between 2% and 3%. According to the Act, in 2022 credit card issuers and their banks charged businesses $93 billion in fees.For more on this bipartisan bill, listen to the conversation with Kennedy exclusively on Extra Serving.

The Officer Tatum Show is now available on Apple Podcasts, Google Podcasts, Spotify, and SalemPodcastNetwork.com.See omnystudio.com/listener for privacy information.

Join me on the Fast Track to Grant Writer: www.teresahuff.com/vip   How Can We Fund Our Nonprofit? Nonprofits are always on the lookout for more money, especially unrestricted funding. And as a nonprofit strategist, I'm always on the lookout for ways to help them find it. That's where today's guest comes in. When I heard about Will Black and his team at Sharing the Credit last year, I knew I had to find out more about this and see if it's a good resource to share with you.  Turns out, it's not simply a good resource; it's brilliant. I've had the pleasure of meeting Will in person and getting to know his team. Y'all, this is completely legit. Nonprofits and businesses everywhere need to know about this!   Unrestricted Funding for Nonprofits; Savings for Businesses Every time we go to a business, be it a physical store or online, and use our debit or credit card, the business is charged a transaction fee. Everyone knows that. That's the boring part.  What you may not know is that ONE of those fees that is built in by Visa/MasterCard doesn't go to Visa, and it doesn't go to MasterCard; it goes back into the system. It goes to a bank. BUT instead of going to a bank, it can legally go to a 501. A non-profit. Ta-DA!   Sharing the Credit Saves Money and Funds Nonprofits For example, Will Black and his Sharing the Credit team approached a successful car dealership that did $1 million in revenue each month. The dealership's manager asked if there was any way they could better help their charity. Enter Sharing the Credit. Will's team reviewed the dealership's statements and discovered they were overpaying by a whopping $30,000 a year in credit card fees. The general manager realized, “Wow! That's a car. That's a WHOLE car.” Will said, “Actually it's a car a YEAR. It's a car EVERY year.” Then Will handed them a copy of the report that outlined exactly how much they were overpaying in fees.  It was a no-brainer. The dealership switched to Sharing the Credit on the spot. Now they save $30,000 a year AND they give over $125,000 every single year to their favorite charity - into perpetuity.  That business has been working with Sharing the Credit for over 11 years…when you do the math, that's pretty incredible. It's a win all around.   A Transformational Way of Nonprofit Fundraising The best part about these funds is that they're unrestricted. That means the nonprofit can use the money any way it needs to best support their work. The staff can focus on the mission and growing their programs instead of scrambling to make ends meet.  The system also creates community by partnering businesses with nonprofits to work together. The business even displays a cool door sticker showing they're a supporter of the nonprofit. Will and I also talk about:  The blessing of having a good budget Why grants are not a rescue plan The power of collaboration to help nonprofits Will's favorite resource for nonprofits (hint: If you're hanging out with me, you're in the right place!) You might be wondering if this is too good to be true. I can assure you, this is completely legit and it's working. Their track record speaks for itself. Take a few minutes to explore and see for yourself!   Challenge Question: What could your nonprofit do with more unrestricted funding in hand each year? If you want to find out, book a call with Will Black at Sharing the Credit and start the conversation to see if it's a good fit for you.   Meet Will Black: Will Black is the CEO and Chief Giving Officer at Sharing the Credit. They pair nonprofits with businesses so that your worthy cause receives unrestricted funding on autopilot, into perpetuity. They help your business fund or increase funding to your favorite IRS-recognized 501c charity with no expense to you, while saving your business money.  They help your nonprofit increase unrestricted donations with NO fundraising, grant writing, or soliciting.    Connect with Will Black: Email: Will@SharingTheCredit.com Schedule a call: www.teresahuff.com/sharingthecredit Website: www.sharingthecredit.com   Connect with Teresa Huff:  Website: www.teresahuff.com Watch the TEDx: The Real ROI of Grant Writing Take the Quiz: Do you have what it takes to be a grant writer? Social: LinkedIn Community LinkedIn Instagram Pinterest YouTube Get on the Fast Track to Grant Writer: www.teresahuff.com/vip

Don't give him your card if you want to ruin your credit! Declined! --- Support this podcast: https://anchor.fm/nautica-de-la-cruz/support

In the previous episodes, we've chatted about currencies and how cash was increasingly playing a smaller role, even in fast growing countries like China & India! The disruptor, that helped transition countries into cashless economies: Credit Cards and Debit Cards.In 2021, transactions on these plastic cards hit $6.7 TRILLION USD. Like many other technology industries, COVID helped accelerate the shift from cash to cashless. For the average American, more than half of their transactions were done using a credit or debit card!My first thought on the largest benefactor is the banking industry but there is an even larger player in this field that caught our attention… Payment processing companies like VISA surpassed JP Morgan Chase as the biggest financial services company in America in 2020, boasting operating margins of up to 65%.Today, on Things Have Changed, we're going to tackle a question of: How did VISA become the most valuable payment card company in the world?Helpful Links:Average Credit Card Processing FeesRetailers call out VISA and Mastercard for fee hikes that could make inflation worseCredit Card Marketshare in the USUnderstanding Credit Card Swipe FeesHow VISA became the TOP DOG in FinanceCan the Visa-Mastercard duopoly be broken?As merchants complain of Visa's high swipe fees, experts weigh in on the company's role in the retail marketHow Visa Makes MoneySupport the show

Hey guys. Peter Shankman the host of Faster Than Normal here. I wanna invite you to something! I am hosting a Mastermind with 12 amazing speakers who are gonna be talking about everything from ADHD to mental health, from entrepreneurship, to just living your life better. It's gonna be on November 10th, It's gonna be virtual from anywhere in the world. Incredible, incredible speakers. The leading fitness trainer in Canada for all things. Me! A whole bunch of speakers- Scott Carney, who wrote the book which is to all about how he goes and takes ice showers every day. It's gonna be 12 amazing speakers, the CBS Early Shows' Jennifer Hartstein, really, really great people. And I'd like you to join us. Check out the link below in the show notes at ShankMinds 2022 and we will see you there. And a matter of fact, look for the discount code in the show notes as well, that'll take a hundred bucks off the cost. We'll see you soon! https://shankman.lpages.co/shankminds-virtual-2022/  DISCOUNT CODE:  SMFriends22 -- Southern California-born and bred Maitland Ward has quickly become one of the biggest stars in adult entertainment, after an-already successful career as an American model, actress and cosplay personality. After finding fame in the ‘90s on CBS soap The Bold and the Beautiful and smash ABC sitcom Boy Meets World, as well as a plum role in 2004's cult classic White Chicks, Ward decided to shake things up with racy social media content, sexy cosplay and appearing at fan conventions before making the leap into the adult film industry in 2019. The statuesque (5'10”) all-natural redhead is unique in that not only is she beautiful and built for the adult biz, Ward's talent as an actress means she can also carry dramatic and comedic scenes with ease. Her playful energy, professionalism and open sexuality earned her an exclusive performance contract with Vixen Media Group and the famous face of the brand's blockbuster studio, Deeper. In 2020, Ward won three AVN Awards for Best Supporting Actress, Best Three-Way Sex Scene-G/G/B for her work in Deeper feature Drive and Favorite Camming Cosplayer. She also won three XBIZ Awards for Crossover Star of the Year, Best Actress-Feature Movie and Best Sex Scene-Feature Movie, also for Drive.  In 2021 she scored two AVN Awards as well: Best Leading Actress for Deeper's Muse, as well as Best Boy/Girl Sex Scene for Higher Power, plus two XBIZ Awards for Best Acting-Lead and Best Sex Scene-Feature for Muse, and in 2022 she took home two XBIZ trophies for Best Acting-Lead for Muse 2 and Performer of the Year.  Ward's recent mainstream endeavors include starring and co-producing a TV series, The Big Time, taking on a lead role in psychological thriller Just for You and releasing an eye-popping no-holds-barred memoir about her wild life in the entertainment biz, Rated X: How Porn Liberated Me from Hollywood.    ——    In this episode Peter and Maitland discuss:     00:40 - Thank you so much for listening and for subscribing! 01:00 - Intro and welcome Maitland Ward!  IMDB bio 01:38 - So you're here in NYC promoting Rated X; let's talk about that! 02:00 - Despite all of your success at such a young age, you were not happy. Why? 04:00 - A lot of positive things have happened in the culture of Hollywood and beyond 04:45 - On hiding who you are, and why. A note on fear. 05:25 - When did you first realize, then decide you needed a change? 06:15 - About getting married an moving to NYC 06:50 - On figuring out that you're different 07:18 - Peter on how he explained to his father how he was quitting his day job 08:08 - When did you decide to make the switch from ‘mainstream to ‘adult' film? How did your peers react? 09:15 - About double standards 09:45 - Peter on breaking stereotypes for New Frontier Media at The Wall Street Journal 10:55 - How did it go when you started dipping your feet more into rated R, rated X Art? 12:28 - On building a fanbase in real time 14:00 - About her first full length feature and how that evolved  15:00 - How do you deal with the haters, how do you not focus on the bad reviews, trolls, etc? 15:55 - A tip about fan mail of any sort 16:55 - What's next for you? 17:35 - My how things have changed in twenty years, or even thirty! 18:52 - What do you do to get out of your head, to clear and re-center? 19:54 - Do you have any rituals or habits that must happen every day or else? 20:21 - How can people find more about you? Web: https://onlyfans.com/maitlandward Socials:  @MaitlandWard on Twitter  INSTA  FB  and @Maitlandtoks on TikTok Shout out to Brian at BSG Public Relations! @bsgpr on Twitter 20:57 - Guys, as always thanks so much for subscribing! Do you have a cool friend with a great story? We'd love to hear. I'm www.petershankman.com and you can reach out anytime via email at peter@shankman.com or @petershankman on all of the socials. You can also find us at @FasterNormal on all of the socials. It really helps when you drop us a review on iTunes and of course, subscribe to the podcast if you haven't already! As you know, the more reviews we get, the more people we can reach. Help us to show the world that ADHD is a gift, not a curse!  21:21 - Faster Than Normal Podcast info & credits  — TRANSCRIPT via Descript and then corrected.. somewhat:  [00:00:41] Peter: So Maitland, thank you for taking the time. I know you're on a busy schedule with your book tour in New York here. [00:00:46] Maitland: Yes. Thank you so much for having me. [00:00:47] Peter: How is New York, uh, treating you so far?  [00:00:49] Maitland: It's, it's been great. It's been a whirlwind, like, meeting with everybody and like, you know, just doing all of the, the. publicity, I guess you would say. It's, it's kind of like a machine. So I, I'm really having good time, but it's been very busy. I hope to have a little more like downtime to, to little freedom to go explore. More freedom. [00:01:03] Peter: Yeah. We're, we're a good city. We're coming back. You know, Covid was a bit here, but I did not, I could have least how many people are here now.  [00:01:11] Maitland: Yeah. It's definitely came back. Cause I had come, uh, to film something like a, I guess it was a little over a year ago, and, It was pretty bad. Yeah. Things were shut down.  [00:01:20] Peter: Still in, I'm at the point my daughter's, my daughter's class, like half the kids and their parents like went to their second and third homes and all that. Right now they're all back. I'm like, I'm like you. I kind of feel like you should pay an extra 50% tax on everything because you went down, left your most right. You left us right. But yeah, we're coming back. It's nice to see the city getting, getting back into form. We're, we're a good place. Um, so you're, you're here promoting burning rated X. Yes. Let's, so let's talk about that. So you have. The majority of people in Delta Entertainment, you have backstory, you have a history. You came, um, in mainstream media, right? Yes. You started Boy Me World. Yes. And, and of course White. It's one of my favorites because my friend Marlon's in it. That's so cool. And, and you know, you, but you weren't happy.  [00:01:59] Maitland: Yeah, it was an interesting thing because I started acting very young, uh, like 16 years old. I was on a soap opera and, uh, it was, it was a whirlwind experience at the time, but I really felt like I had to be a certain way all the time in Hollywood. Like I had to be a good girl. I had to, you know, be straighten narrow, like really, you know, be nice. That was a big thing. Be nice, and it, I think that was a dangerous thing for a Woman to be taught, like make them like you be nice. So, um, so I was, but I felt like I was always denying certain parts of myself to. You know, accommodate other people and, and Hollywood, you know, I got very lucky early on that I got a lot of jobs and, and high profile jobs. Uh, especially like when I got Boy Meets World and I was, I really wanted to like please everybody at Disney and the producers and everything. And I, um, but it was weird because on the show I was this sort of, not a sex object, but she was very, The U undertones were sexual, I guess. Right. And she was always the one dancing around in lingerie.   [00:03:08] Peter: And like you spoke about that, teasing the boys,you mentioned that in the, both the concept and your articles, the concept that, you know, Yeah. Here's Disney. Right. You know, pure, pure bread, Disney. Yeah. Um, the, the, the likes of which we all all know who comes from Disney. Everyone. Everyone. Wonderful and happy. And then, Yet they were putting you in situations that today, I think if we looked at them under the eye of 2022, right. We  [00:03:24] Maitland: question. Oh, absolutely. Like, like I say in the book, how I had to go up to the producer's office to try on lingerie for my lingerie scenes. So, and like not just once. I mean, there was 20 people in there, whatever, a big group. Mostly men. Uh, pretty much all men except for maybe one or, um, and then I would have to try on all of it and like, and I thought that this was my job to do this, and I never, at the time, I didn't even 0cConceptualize that it was a weird thing or it was ski or it was anything wrong with it. But then today you look at that, if that happened today and it went on the internet or anything, people would be fired for it Yeah.  [00:04:00] Peter: . Yeah. And I think that, you know, in a lot of ways, everyone, everyone complains about cancel culture and complains that, that were too high strung. But a lot of things, positive changes have, have resulted from not only people like you speaking out, but you know, all the way back to the Weinstein and, and things like that. Yeah. But at, at the time that you were doing it again, you were under. Let's just be a good girl. Let's just do the nice thing. Yeah. I didn't wanna, like, was it, was there a fear there that if you, if you acted the way you wanted to or if you acted the way you were, the way you thought you were supposed to, you'd be gone?  [00:04:29] Maitland: Yes, definitely. Oh yeah, always. I had very much anxiety about that kind of stuff, like very much anxiety that I wouldn't do the right thing, I wouldn't be the right way, or I wasn't good enough for the situation and I.  You know imposter syndrome. Yeah. May, Yeah, maybe. Yeah. . Yeah, I guess. But it was like, yeah, cuz I had to like kind of be this persona that I can't see all the time. I was not who I was like there, but in certain parts of myself, especially my sexuality and everything. And I had to hide like, Things that, you know, how I wanted to be exact cause I thought it was wrong or bad, or, you know, weird or, or they would judge me and come down on me. [00:05:07] Peter: Fear is a great motivator. Not necessarily in a good way, but fear is a, you know, I don't wanna lose my job, I'm gonna conform despite what it's doing to your mental health. Yeah. Right, right. So as you moved on and as you had different roles and, and at, at some. Was there a, I guess was there a moment where you just said, F this?  [00:05:28] Maitland: I mean, was it, was it, did it come all at once or how did it, And it's  interesting. Back at the time, I didn't think that it was having an effect on me in my mental health. Like I didn't conceptualize that. I thought it was just like there's something wrong with me that I. Wasn't doing things the right way, but, and looking back, writing the book, I really saw that in certain situations. Yeah. Um, so yeah, it was a long time, a long journey like finding myself, and it's interesting because of all, you know, pitfalls and disappointments that I had after I had a lot of success, like after white chicks and all that, when I was really typecast and things dried up and Hollywood would, they still wanted to keep me in the box that they had put me as a, like this good girl character, this, but they didn't wanna cast me cuz I was already a typecast character. Right. So, but they still wanted me there for like, whenever they needed a certain purpose for me, like a little episodic work or something like that. Um, so that became frustrating. So then I, I actually, that's when I moved to New York for a while. I got married and moved to New York. Okay. And it was kind of like a, it was a breath of fresh air to kind of get away from the Hollywood machine. I've heard that. Yeah. Because it was like, cuz when you're there you're just so caught up. Like, Oh, what, Who's going to this party? Right? What's this audition? Did you get that one? Like, did you book this one? And, uh, so, so getting away, I really like started to really discover myself and I started writing a lot and erotic writing. And I started really discovering my sexuality and stuff of, I guess not discovering it all the way Admitting it Okay. Is more of a thing because I think I knew all along that I, I, I just thought I was different and I thought I, like I say, I, I was a bad girl maybe inside , but, but I realized, you know, I'm not bad. It's kind of funny. My husband helped me realize that really. and he was very encouraging of me to explore this path that I really wanted to explore.  [00:07:17] Peter: I imagine so. I mean, I remember, and I, I guess I can't really equate much to it, but I've always imagined the, the day that I told my parents, I, I, I had one job in my life. I worked for, for America Online back in the nineties when, when a was the internet, right? Yeah. And I came back to New York and realized, They let us work anyway we wanted, which is why I did so well. My ADHD flourished cuz I was able to do, Oh, you wanna work at two in the morning? Great. As long as you get it done. Yeah. Yeah. Then I come back to New York and start working for a magazine and, and we have 8:00 AM meetings and 9:30 AM meetings and 10:00 AM editorial boards. And I'm like, What? This is Russia? And it, I, I quit within two. Yeah. And I remember telling my Dad, um, I'm gonna start my own PR firm and if it fails, and I actually said when it fails, when it fails, oh I'll get another. Cause I was so, who the hell am I to do anything, you know, entrepreneurial. And that was like 24 years ago. And I remember that was the scariest conversation I ever had have because I said, You know, I might need you to help pay my rent for a month or I might need what I didn't thank God, but you know, I got lucky and, and things were in. But tell us about the mindset when you decided you're gonna make this switch. You're gonna go from mainstream to adult, which to be, let's be fair, adult is kind of at this point, 2022, putting mainstream. Anyway, [00:08:20] Maitland: that's why it's so weird to say both things and I know we have to differentiate kind of, but, But it is weird that we have to differentiate.    [00:08:25] Peter: Right? So tell me about, Because you, you wrote a really interesting piece that I really enjoyed about your interaction with Elizabeth Berkeley. Oh, yes, I was Right. So tell us about that. [00:08:33] Maitland:  First, It was a very quick interaction. Yeah, but it was an interesting one. I, it was right after like the news broke that I was, Doing this big porn film and stuff. And I was in the industry and everything and I was, you know, walking out of the Whole Foods. And I saw her off to the side and she looks at me like, you know, our white eyes and they got wider. And I was like, and she had, I, I don't know, I think it was her husband at the time. I don't know if there's still, I don't know the situation. It was a man with her. Right. Um, and she, she just looks at and she turns to him and like whispers something like this and he looks, and it was such a weird like, situation to have them be like, Look at me like some sort of a, you know, beast down in the wild. [00:09:11] Peter: I'm sorry. And let's just, let's just be clear, this is Nomi Malone looking at you , right? This is the girl who, who went from Saved by the Bell, then Showgirls. So I'm, I'm not sure what she's actually looking at, where she comes off looking at you, everybody. So that really kinda pissed me off when I read that. The hell is she looking at you? [00:09:25] Maitland:  But it's a weird thing because once you go- when it's deemed adult, Right. It's different, right? Like in Hollywood films like now on like streaming shows and stuff, they go so close to it, of course.   [00:09:39] Peter: But, but they didn't go all the way. In 2003, um, I, I represented a company called New Frontier Media and, uh, New out of Denver, Ca, Boulder, Colorado, and New Frontier was the, this back in for porn was free, right? Yeah. Right. And, and, and they were the largest distributor of adult paperview on cable. Mm-hmm. . And I would go, I had my, I worked for them for four years and I took their stock price from like 99 to $10 because I forced my way into the Wall Street Journal and Forbes and Fortune. Mm-hmm. explaining, you know, I have a company who I'm repping, who is kicking the ass, their biggest competitor with Playboy. Yeah. By a factor of 10 x. Like, Oh, we great. They're adult. Oh, we can't touch that. I'm like, Why the hell not, not? It's so explaining when, and I got through and, and I remember getting New Frontier Media on the cover of Forbes was like, like the highlight. If that's my epi half right now. Yeah. The first porn company on Forbes. But, you know, but it was, it was the concept of, look, you, you, you're, it's one of those things that you're. Um, secretly. Yeah. Right. You're not gonna admit to it, but meanwhile, look at how much money is being driven. Yes. You know, let's, let's, let's look at something like Euphoria. Um, great show, but not really about the acting per se. Yeah. You know, there's, there's things we're looking at on that show that we know exactly what we're looking. Go onto Reddit. You're not gonna find, uh, uh, um, uh, reviews of the acting. You're gonna find one thing on your, you know, about your for. And so, so that being said though, it's a lot easier to say that then is to sort of tell us about, like, tell us about the day or whatever. [00:10:56] Maitland: It was, the moment where, All right, I'm doing this and, and  here we go. You know what, it wasn't like one certain moment. I mean it uh, it was cuz I started like exploring stuff on my social media sexy pictures and stuff. And this was along the time, by the time Girl Meet's World has spin enough appointments coming around, right? So there was a lot of attention and social media was really starting to really boom, like Instagram, especially in like Snapchat. And uh, so I started getting followers for like doing my sexy cosplay that I loved doing and doing bikini shots and all that stuff. Uh, but then I'd eventually. They started like taking down photos. Right. Actually, cuz a lot of people would complain for no reason to like these like fundamentalist types that watch, of course that are obsessed with like boy meets world being wholesome and wholesome and good and stuff. And uh, actually a lot of porn girls though suffer from people just, [00:11:46] Peter: Oh, of course for that question. [00:11:49] Maitland: Just taking their, I mean, look at the Visa MasterCard scenario. They had match  ridiculous. Um, so I kind of, my, my fans were like, Well, why don't you just sell content? And I didn't know what content was really at the time. I mean, I kind of heard of it, so I, but I said, Well, maybe, And I said, I'll start, I'll start a Patreon account, right? It's, you know, they patrons of your art. And I was gonna do like Playboy-esque type photos. I, I started the page and I, I didn't even like, Um, announced it. I just like did it one night and I said, ah, close it. Then the next morning there was like 20 people in there and then so I announced it and by the end of the week there was like 2,800 people. I was like, What? They're gonna buy my nudes, a create content.  [00:12:23] Peter: Holy shit! [00:12:24] Maitland: I know. And it was just like, then it kind of evolved from there. Cause I, I had been exploring like my sexuality and my writing and everything like that, so I was like, Oh, maybe I'll do. Girl, girl stuff then, and let's do this. And my fans responded and it was kinda like they were watch, they really were watching my journey along the way. Yeah. Like in real time. Um, and so then I, then I was like, What? You know, my husband and I had a big moment about when we said we're gonna have me do something with guys. So I, but I was so lucky. I found two guys in the porn industry who've been there so long, they were so professional. And they really like taught me along the way, like how would to do, this was a year and like almost a year and a half period before I got like a call from Vixon to do. Right. The black scene that went crazy viral. I might, might have been of, been , but it, but then I didn't even announce that to the press. It was all kind of just a internet moment.  [00:13:21] Peter: Oh, well by that moment you'd built, you'd built the audience.  [00:13:22] Maitland: Yes, but when I did. That's why everybody thinks I made this announcement. I just was saying I'm going to porn right now when I did the film drive for deeper.com. Mm-hmm. , which is Vic, one of Vic's brands. Um, but it was because I, the black team just blew up that, on that same day, Caden Cross, who, who is amazing performer and director in, in her own right, but she had started the brand deeper, right? Not very long before she had just, they just acquired the brand like four months or launched four months before, but she was doing her first feature. For it and, um, she lost her co-star on. The day my black scene came out. Oh wow. So, but she thought she'd have to quit the movie cuz you know, there's not a lot of people who can handle a lot of dialogue fast. And so, um, she went to Vixen and said, I think we're done with, we're not able to do it this year. And then they said, talk to Maitland. She just blew up and she can act. And then, so that really was, we did that and I decided, you know what, I'm really proud of this. I'm proud of the trailer, I'm proud of the whole thing of the feature, cuz full length features complete, you know, dialogue story. It was, um, so I did announce it to the press. That's went insane. And that's when everybody thought, Oh, she just made the switch all of of a sudden. It's always a backstory. Yeah. It's kind of like when people say, Oh my God, like they have a starring rule in something suddenly and they're like, You just showed up my imdb, but it's  [00:14:44] Peter: 30 years. [00:14:45] Maitland: I know I've been here forever.  [00:14:47] Peter: The everyone's like, You last company, you started this, sold it three years. It was 17 years of crap.  [00:14:51] Maitland: Yeah, no, that's what I mean.  [00:14:53] Peter: There's so much prep involved and so much time. Let me ask you this. One of the things that we touched on, and this is what I think my listeners can really relate to mm-hmm. um, being as out there as you. Right. Whether, whether it's it's on, uh, in Hollywood or, or in adult, there is a, how do you edit that out? How do you deal with the haters? How do you deal with the bad reviews? A lot of, when you're ADHD or ADHD or any sort of neurodiverse, yeah, be imposter syndrome is huge, but also, The premise that, I mean, I'll give a keynote to 10,000 people. Mm-hmm. , right? 9,999 of them will love it. There's one guy who didn't stand up for the standing ovation. That's all that I'm gonna think about for the next two weeks.  [00:15:27] Maitland:  I know. You know, what do you do? I used to be a lot more like that. Um, like I would get very, like, especially when I started doing sexier photos, like on Instagram stuff, I'd get those, like fundamentalist haters and stuff. I got very perked by it. I guess , that's the word. Um, but now I kind of. I don't embrace it. There's always like one or two trolls that just wants to attack you. Right? But I was actually told something early on when I was on the soap opera that the fan mail that we get, and I remembered this, like I really came to play with the trolls. No matter if it's good or bad, you're making an impact. If they didn't care, they wouldn't even be there. So it's, if you're not getting any attention or any feedback from people, that's cuz think about to be a troll, you have to be pretty investing.  [00:16:14] Peter: Exactly.  [00:16:15] Maitland: You watch people getting fired up about something, you're, you're making this connection. [00:16:18] Peter: Sounds like all the people who, who, when Nike came out to support Gay Rights, uh, everyone burned their Nike clothing. Okay. So yeah, just spend the a hundred bucks on sneakers and burn. Okay, cool. Cause you know, it's not like Maggie didn't make any money from that. That's true. That's true. But no, I, I, I've always said, if, if you don't have haters, you're not doing enough to change the status quo. [00:16:33] Maitland: That's, that's exactly good. That's, that's a perfect statement really. [00:16:37] Peter: So you just sort of put it outta your head. You're like, They're there, but  [00:16:40] Maitland: I try to, it means that I'm doing something. I mean, you know what always is kind of like, of course sounds the back. It's, Yeah, I don't like it, but, you know, but I try to, Yeah. Put it out my. And I do have some wonderful fans who will attack them, like nice backers. I don't even do all the work.  [00:16:52] Peter: There you go. Yeah. So  [00:16:54] Maitland: what's. You know what? I don't know. And, you know, well I really would like to sell the book rights and stuff cuz I, I think there's really potential there and we're working on that. And it's funny because ever since I have been in the Adult industry, I've actually had more opportunities, like people in mainstream coming to me and stuff. Like I shot a sitcom pilot last year. I'm like, yeah. So, uh,  [00:17:15] Peter: It's, it's, well, I think it's good timing for you also. I think that those barriers have definitely back from when I was repping in 2003, like it's definitely changed. [00:17:21] Maitland:  It's so changed and I really think it's because people have grown up with it on the internet. Yeah. Not grown up, but you know, when they get in there maybe.  [00:17:28] Peter: So, yeah, I remember. No, I, Believe me, I remember there was a bodega, um, on the corner where, where near, I grew up in the corner, I think it was 91st and Amsterdam with an owner who did not care what you bought or what you looked at, whether it was- that's funny- Beer or nudie mags. And I, you know, like the majority of kids in my, in my grade, like 86 to 90 in high school, 85 or whatever. I think we pretty much all found it through that mess, through that pod.  [00:17:50] Maitland: That's true. Yes. I know. I think kids today, they go online. [00:17:53] Peter: You don't have no idea how hard it was. [00:17:55] Maitland:  They just go online and that's so funny. But seriously, people in their twenties and thirties now, they're like, They're so open to it. And especially women. I am so surprised by the women that come up to me and they're like, This is so cool. I'm so glad you're doing this and making this change. And I, I think they feel like they can talk to me cuz I'm, I'm in, I was in their living rooms. Yeah. And I feel a little like a bridge or something between like, they can ask me questions. And people can feel a little safer talking to me about things they're curious about in the adult industry and stuff. But they all, Everybody watches it ?   [00:18:26] Peter: No. No question about it. But they, Yeah, I could tell you, I mean, I remember when I was wrapping the company had access to all their data and I could tell you what states and what cities and what towns in those states. Yeah. Um, spent the most money. Oh really? Uh, it was, yes. You know, little spoiler. It was always a red state. Yeah. Always. A And it was like the hardest portion of course. And then the hardest core stuff. Another the one- oh, this is terrible! Right. Then they go right home. They spend a hundred bucks. Exactly. Um, that's, So tell us what you do Last, last couple questions to keep this brief. Tell us what you do to get out of your head. So do you exercise? Do you, what is your thing when you, when you're like, Oh my God, I gotta, I'm, I'm, I'm gone. See an hour, see in two hours. See you here. What do you..  [00:19:03] Maitland: I actually trained to be a yoga teacher. Oh wow. I'd never taught, but I did it for myself. And that was actually after I came back from New York and I was really, that helped me discover a lot for myself too, to really like, get like out my head and really like, you know, meditate, I guess, and like do the practice. So I do do that. I really like to do that. I like to play with my dogs and stuff; most, the most innocent fun. I think that they just don't care. They just, they like, no matter what is going on in the world, they're just happy to be with you. And I think that's, Yeah. So I think I do, I like to do that, but um, and I like to, I like to read a lot and I like to, um, you know, I listen to music and watch them try to like, and not distract myself, but like, just to calm and relax. Yeah. Because yeah, sometimes I get stressed out with everything going on and stuff, so I really need to like, Just mellow down. [00:19:53] Peter:  Do you have any rituals or, um, habits that absolutely must happen every single day?  [00:19:59] Maitland: No, I don't think so. Not every single day. I mean, does coffee count ?  [00:20:04] Peter: Yeah, coffee counts.   [00:20:05] Maitland: Okay. Coffee's right up there with exercise. Sure. Why not? Yeah. And like exercise. Yes and no. I don't always get to do that, but I, but I do. But, um, yeah, I think coffee, coffee's my ritual. .  [00:20:17] Peter: I think coffee is a perfect way to end anything. So, So definitely this interview, Maitland Ward. Thank you so much. Um, tell us how people can find you? Web: https://onlyfans.com/maitlandward Socials:  @MaitlandWard on Twitter  INSTA  FB  and @Maitlandtoks on TikTok [00:20:23] Maitland:  Oh, on all of the social media is Maitland Ward, except I do have a TikTok now which I just started,  [00:20:29] Peter: listen, it's, I'm like the only person that, that Asia's not following their, you know, stealing their, oh my gosh, stealing their files. [00:20:34] Maitland: I, I'm so good at it yet, but we're It's MaitlandTok, because somebody had my name,  [00:20:40] Peter: Ah, someone took your name, you. You can probably fight and get that back if you want. [00:20:41] Maitland:  Yeah, I actually am working on that, but Awesome. Um, but yeah, it's funny. So yeah. But everywhere else is my name.    [00:20:52] Peter: Folks, the book is called. “Rated X: How Porn Liberated Me from Hollywood”. This is a wonderful, wonderful interview. Thank you so much, Maitland Ward for taking the time! Guys, as always, thanks for listening. We appreciate you being here. This one went a little longer. Normally we cap at 20 minutes because you know, #ADHD but we went a few minutes longer and I think that's awesome. And wanna give big shout out to Maitland Ward and to, Brian Scott Gross putting us together. Brian runs the amazing PR firm, uh, BSG Public Relations He's pretty awesome. He lives out in California. A really short guy though, but really nice guy, . And anyway, , thrilled that you took the time, and really, really grateful guys. We'll see you again next week. Thank you for listening. Talk to you soon. Credits: You've been listening to the Faster Than Normal podcast. We're available on iTunes, Stitcher and Google play and of course at www.FasterThanNormal.com I'm your host, Peter Shankman and you can find me at shankman.com and @petershankman on all of the socials. If you like what you've heard, why not head over to your favorite podcast platform of choice and leave us a review, come more people who leave positive reviews, the more the podcast has shown, and the more people we can help understand that ADHD is a gift, not a curse. Opening and closing themes were composed and produced by Steven Byrom who also produces this podcast, and the opening introduction was recorded by Bernie Wagenblast. Thank you so much for listening. We'll see you next week!

A selection of three essential articles read aloud from the latest issue of The Economist. This week, will Donald Trump run again? Also, the future of the Visa-Mastercard payments duopoly (9:35) and, what kind of prime minister will Britain get? (21:45) Please subscribe to The Economist for full access to print, digital and audio editions:www.economist.com/podcastoffer Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.

A selection of three essential articles read aloud from the latest issue of The Economist. This week, will Donald Trump run again? Also, the future of the Visa-Mastercard payments duopoly (9:35) and, what kind of prime minister will Britain get? (21:45) Please subscribe to The Economist for full access to print, digital and audio editions:www.economist.com/podcastoffer Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.