Podcasts about Wells Fargo

When you think of corporate or organizational crises, the list of examples is never ending: the BP oil spill, the Tylenol tampering incident, the Wells Fargo account fraud scandal, the Equifax data breach, and countless others. A crisis can threaten a number of important elements, including your ability to operate, your relationships with stakeholders, the ability to pursue your strategy, and your reputation. Tim Lloyd is Managing Partner at Social Simulator, he works with companies and organizations across the world helping them train and prepare for a crisis. He was recently at the William & Mary School of Business helping executive MBA students as they work through a crisis simulation. Before that, he joined us to talk about crisis management, the role of social media in a crisis, and why every organization needs to be prepared. Learn how the Raymond A. Mason School of Business at William and Mary can help you and your organization develop your top talent through customized executive education and professional development programs. Visit us at www.wmleadership.com. Thank you for listening.

The housing names one value investor says present big opportunities. Netflix is in (Mr.) Beast mode, according to Wells Fargo. Plus, Former Energy Secretary Rick Perry weighs in on the Israel-Iran conflict. 

BOSSes Anne Ganguzza and Jennifer Sims, a voice actor, coach, and self-proclaimed "100% certified smarty pants," connect to explore the intricate layers of the voiceover industry. Listen in as we unpack Jennifer's unique journey, shaped by diverse experiences in acting, producing, and voiceover, offering a candid look into the crucial insights needed to navigate challenges and build a truly thriving business in today's landscape. Listeners will discover the essential role of professionalism and adaptability in connecting with clients, gain understanding of the industry's evolving demands, and appreciate the power of a well-rounded skill set.    00:01 - Anne (Host) Hey, guys, it's Anne from VO BOSS here. 00:04 - Speaker 2 (Announcement) And it's George the Tech. We're excited to tell you about the VO BOSS VIP membership, now with even more benefits. 00:10 - Anne (Host) So, not only do you get access to exclusive workshops and industry insights, but with our VIP Plus Tech tier, you'll enjoy specialized tech support from none other than George himself. 00:21 - Speaker 2 (Announcement) You got it. I'll help you tackle all those tricky tech issues so you can focus on what you do best: voice acting. It's tech support tailored for voiceover professionals like you. 00:32 - Anne (Host) Join us, guys, at VO BOSS and let's make your voiceover career soar. Visit voboss.com/vip-membership to sign up today. 00:45 - Speaker 3 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss, a VO BOSS. Now let's welcome your host, Anne Ganguzza. Hey everyone, welcome to the VO Boss Podcast. 01:04 - Anne (Host) I'm your host, Anne Ganguzza. Hey everyone, welcome to the VO Boss Podcast. I'm your host, Anne Ganguzza, and today I have the pleasure and honor of being with a very special guest, Jennifer Sims. Jennifer, yay! Hi, hi. 01:17 For those bosses who do not know Jennifer, she is a voice actor coach and 100% certified smarty pants. I'm so jealous, so jealous of that branding. She's known for her authentic, conversational, confident, and playful delivery and has a unique perspective from both sides of the glass, and works for clients such as Hyundai, Wells Fargo, CVS, Vons—the list goes on and on and on. She honed her quirky sense of humor studying comedy and improv, which is always so important, I think, for us as voice actors, at the Upright Citizens Brigade and The Groundlings, and that helped her to land on-camera commercials for Uber, Snapchat, and WebMD. She began her acting career out of high school and basically was on her own for a short period of time in LA as a very young girl, which is great, and also as a producer, has had the pleasure of collaborating on hundreds of radio, television, and promo spots and has worked with some amazing talent along the way. And what haven't you done, Jennifer Sims? 02:18 - Jennifer (Host) I'm telling you, so much, so much. Thank you, Anne. That was lovely. Not as much as I'd like, and hopefully more. Yeah, thank you. It's great to be here. Thanks for having me. 02:28 - Anne (Host) Yeah, absolutely. Well, I met you—well, I met you not like physically, but I met you through our VIP room and I was so, so impressed with your background and your wisdom and everything. So I wanted to make sure that I had an opportunity to have you on the show and so our bosses could also get to know you. So let's talk a little bit about your varied career, because I think it's super important in terms of why you're so successful now and how you started off with acting and then as a producer. Talk about that for a little bit and tell us how it's helped you become successful in your voiceover career. 03:06 - Jennifer (Host) Yeah, that's been very, like, it informs most of my career, certainly in the beginning, because when I decided to leave my director of broadcast job, I was working for an ad agency here in Los Angeles as the director of broadcast and I was bringing in a lot of voice actors for promo and commercials, etc. You know how it is when you see somebody and you're like, "Boo, why do they get to do it? I want to do it too!" But as I started my career, realizing that we're a part of the process, voice actors are part of a process, particularly in commercial, since that was my area, and when I was bringing in voice actors to record them, it comes very late in the process. Recording the voice actor for a commercial is one of the last things we do as a process in creating a commercial. 03:52 So, knowing that we're just—not just, I shouldn't say this, but we're part of a collaborative team, we're now brought into the team. We're problem solvers, we're creatives, along with the creative director, copywriter, and understanding why the copy is the way it is. I know a lot of us will—problem solvers, we're creatives, along with the creative director, copywriter, and understanding why the copy is the way it is. I know a lot of us will go, "Oh, this copy is terrible. It's poorly written," and, like, you don't know where that copy has gone. 04:12 - Anne (Host) Isn't that the truth? I love that you just opened up with that perspective because, honestly, like the nuggets of wisdom that people get out of listening—you brought them right at the front when people get for listening to a podcast or being educated. I love the fact that we are part of a process and you brought that to our attention because I think a lot of times we're in our bubble in our studios here and we forget that it's not just all about our voice, but it's part of a process and there's reasons for so many things. Right? There's reasons, and you're so absolutely right. 04:46 How many times have you gotten a piece of copy and I've heard my students, "Oh my God, this copy sucks!" Or I've read on some forum where people are like, "Oh my God, the copy sucks," and "Why does the copy suck?" But I think it's important to know that, yeah, we are part of a collaborative process and it doesn't begin and end with us, and that's an important part to understand so that we know where we fit in. And the more that I think we can predict how we can fit in best to complete the process, I think will really help us as actors. 05:13 - Jennifer (Host) Yeah, exactly, really well said and so true. It's like, how do we fit into this process? Because we do, and even now, as an actor working on my, I will sort of forget that there's a lot going on and that when I get copy and I'm like, "Oh, well, I don't know how many R&D, research and development meetings they had on this copy. I don't know what focus groups might have said about this copy." Like, big companies spend a lot of time and money making sure that their copy is delivering a message that they want, money making sure that their copy is delivering a message that they want, and a lot of things. On the ad agency side, we're looking at things—that copy, and I'm like, "Well, legal says we can't say that." 05:51 Right, or legal says we have to say this. So, you know, when we're sort of like, "Boo, the copy couldn't be you," it's like, "Well, you don't know why." Yeah, it may be a legal thing. 06:06 - Anne (Host) It may be a client directive, it may be, who knows. I always try to remember that because, like somebody, somewhere was paid money to write this copy, and they know that product, or there's an intent with that product, or there's an intent with that copy that we are not necessarily aware of, nor do they tell us, but it's something that I think that we, as actors, we need to create that story, even if they're not telling us what it is. We need to create that story so that we can connect as much as possible to that copy and fit into like what they hear in their head. Right? We need to fit that spec there. 06:34 - Jennifer (Host) Exactly, and I think it also goes to the idea of given a level playing field of extremely talented actors. Most often, I only needed one person to do the job to solve the problem of whatever problem we were trying to solve creatively. And so I think it's easy to start to feel like, "Oh, I got rejected. I don't book this kind of work." It's like, given a level playing field, just assume that somebody got selected. But it—a level playing field, just assume that somebody got selected, but it doesn't mean that everyone else was rejected. Honestly, as I was listening to actors, I'm like, I wouldn't get in all my auditions for, say, a television commercial voiceover, and I would maybe listen to 50, a hundred, and then call it down to present to my boss, my creative director and client, maybe 10. And any one of those people could have booked it. Somebody got selected, that's all. 07:27 - Anne (Host) It's just a matter of selection, and the thing of it is is that you're at the beginning of that process, listening to all of those auditions. You would narrow it down to a particular amount of people, but then, ultimately, the decision is not necessarily yours. So I think, voice actors, we forget that, that it can go to your boss and your boss is not. Maybe a casting director doesn't have an ear for it, or just this is what he had—he or she had in mind. And so the pick from then. I don't think it's always necessarily based on your acting skills. It's just like a feeling, maybe, that they have. "Oh, yeah, this sounds right." 08:02 - Jennifer (Host) Yeah, it's very subjective. Yeah, it's very subjective. 08:05 - Anne (Host) And I think we forget that. 08:07 - Jennifer (Host) Yeah, and I know that, being that it's so subjective, if you sound just not quite what they want. I had a creative director. I was presenting talent. This woman was extremely talented. I was advocating for her. He's like, "Eh, she sounds a lot like..." I forget if it was his cousin or his ex-wife or somebody. He's like, "And I don't like that person." So she just reminded him vocally of somebody in his world that he's like, "Don't like." She was very good, like perfect for the role, and, subjectively, my creative director was like, "Nope, reminds me of someone, and I don't like that person. Bye." And I'm like, "All right. Well, that's how that's going to go." Or we get replaced. I was the voice of a promo for a really, really long time. It was a great recurring gig and somebody new came in at the top. The client switched positions, new client, and they're like, "No, I want to pick the voiceover," and so, like, I was out. They felt like that was the prior stamp. 09:06 And now they wanted to stamp it with their own. 09:09 - Anne (Host) That's such a good point because a lot of times, like companies change directors, companies change in departments, and a lot of times you may be the indirect result of that or not like being let go because of things like that that you have absolutely no control over. And so that is also a big part of the process in our heads as actors. We need to remember that on any given day, that it's not always—I think that if you can come into your audition with the skills that you need—the actor skills. Everybody says, "What's trending? What's trending these days? What's the sound these days?" And I'm like, "I think just be an actor, have good acting skills." 09:48 Maybe have good acting skills, because I feel like if you have good acting skills and the person, like say you, right, that is at the initial level of listening to all of the auditions, right, you're going to be able to hear that from the get-go, from the first few words. You're going to hear, "Okay, here's an actor. Now, what I like about this actor is that I can work with this actor." So maybe they didn't give the precise read that you were looking for at the time, but you know that they're an actor and that they'll be able to be directed. Exactly. And I think that's so important—best that you can come in with in your audition, to be armed with your acting skills, to showcase those acting skills, because all the other stuff we just have no control over. 10:25 - Jennifer (Host) Exactly. Control what you can. You know, getting auditions in a timely—Anne, naming them properly, file naming. I always talk about like naming those. 10:34 - Anne (Host) Like, why is that so difficult? I don't know. I come from a technology background. It always amazes me how many times people like don't understand how to name files when here's the convention and yet somehow. Right, just copy and paste it and then write your name. 10:50 - Jennifer (Host) I don't know why, but I don't think actors realize that if they mislabel a file, it's going in the trash. That'll piss off somebody. 10:57 - Anne (Host) I mean, like me, especially somebody that I'm handling a lot of files, right, and especially like if I have control over it, like you're not hired, and if you're going to argue with me about the name of that file, or if I gave you a confusing—no. I mean, sorry, just follow the following instructions. 11:12 - Jennifer (Host) But yeah, I think that actors may not realize that if you are missing those little details, like not following the spec, or because you're just like running and gunning and just like, "I'm in a hurry, I'll just read the copy," or not connecting to the copy, or mislabeling the file, it's like that's going to get you booted out of the mix because there's just not enough time and people don't understand. "Oh, so I put my name before the client's name." It's like if you're in casting or you're producing, you're not just casting one thing. So if you put your name first before the client's name, I don't know what to do with this file. Or usually it goes into a database and so the database is just going to go, "I don't know what to do with this. Garbage." I think people just realizing like why it's so important could be helpful. So people just slow down a little bit and go, "Oh, what's the file convention?" That's it. That's my TED Talk on file name. 12:03 - Anne (Host) There you go. I like that. Well, I'm right there with you on the file—I'm on the file name, I know, because you're dealing with hundreds of files, I know, right? I mean. So I touched upon this a little bit in your bio, which I think is so interesting, is that you studied comedy. Talk to us. And improv, of course, everybody always says, "Yes, improv, improv," yes, and improv, of course, is so important. But I also think comedy, too, is important, because this is just my outside looking in perspective, right? When we're listening, right, we need to command the attention of the audience. Right? Whether we're voicing a commercial or a corporate narration or whatever it is, we need to engage the attention of the listener and that is important. And I feel like comedy is absolutely one of those techniques that can be used to get people's attention and keep it, and I think it's important that if you have comedy in your script, that you can find it and you can execute it. So talk to us a little bit about that and the importance of comedy and improv. 12:58 - Jennifer (Host) Definitely. Have you been seeing a lot of scripts or a lot of castings where it's like we want people with comedy and improv, even though they may not ask you to necessarily be super hilarious or improv, they're listening for a nuance? A nuance, exactly. Comedy is like very subtle, I think, in voiceover, because when I was producing on the agency side back in the day, comedy in commercials was a lot more prevalent. We had double copy. We very rarely have two characters talking anymore, so it was a little more like in your face kind of comedy. 13:33 Yeah, back and forth kind of. Yeah, back and forth, you could riff off the other person. Now we're pretty much just doing one person voiceover, so that comedy has to be layered in, but never steal from the actual hero—our product or our client. And I think a lot of times when we're newer as voice actors, we're going for the "yucks" like, and it's like, "No, that's going to get you also noticed for all the wrong reasons." So I think I agree with you entirely. It's got to be layered, it's got to be nuanced, and you have to be able to find it. Sometimes people when I'm coaching, they miss the joke. I'm like, "Do you see that there's like a little pithy wit here?" 14:10 - Anne (Host) They're like, "No." I'm like, "Great." Or a play on words. And here's the thing too, you know, in writing scripts for demos and for my students, comedy is tough to execute in a certain time, like comedy is tough, especially if you're doing comedy writing in a demo. It's very tough to execute without sounding like a one-liner dad joke, right? Yeah, oh gosh, so true. And especially if you need to execute that time and just in a 30-second, 15-second commercial, to execute comedy and a sale at the same time is tough. 14:38 It's tough to do, it's really tough and so it does become very nuanced, right? And corporate, like when you get into like something longer, like corporate narration, you're not going to necessarily find too much humor, unless the brand itself doesn't mind making fun of itself, right? There's not many corporate—not many companies, I know, that make fun of themselves unless they have quirky products, right? If that's our corporate culture, great, but a lot of corporate is like, "No, very straightforward." 15:02 But they might have a nuance, right, and so I love the fact that, yes, if they're looking for that nuance and that is something that is it's maybe a nuance, right, and so I love the fact that, yes, if they're looking for that nuance and that is something that is it's maybe a note, it's a wink, it's a point of view that I think if you can execute and it only needs to happen like a little instant, then that to me, I can hear it right away and people can hear it right away. 15:23 They might not put their finger on it and say, "Oh, that was funny, like ha ha, knee slapping funny," yeah, but the execution of it is really it's key, and I think that comedy and improv is wonderful for people to have as a background in their acting skills. Yeah, I agree, comedy's tough. Did you perform like stand-up comedy? 15:42 - Jennifer (Host) No, I actually took a couple. I'm like, "No, I'm a smart-ass," but that was tough. So I took—a friend of mine was teaching. She is a comic and she taught classes and I did two of her classes, and after the first class, she's like, "Okay, and you know, as you know, we're going to an open mic," and it was torture. It was brutal. Just a bar room full of people going, "Make me laugh," and I'm like, "This is hard." 16:11 - Anne (Host) Yeah, I can't imagine. I have a friend who did stand-up in Burbank. Right? Everybody's at Flappers. Everybody's at Flappers and, "Come see my show at Flappers," and if you want to feel challenged, I mean stand-up at a mic in front of an audience. That's like, "All right." 16:26 - Jennifer (Host) Yeah, like just staring at you and you're sitting with the mic going. 16:29 - Anne (Host) Make me laugh. But there's where I think, like the thinking fast on your feet is going to help you, and I think it's going to help you no matter what. I mean those of us who aren't necessarily doing comedy like stand-up comedy, but here we are in our booths and we're doing auditions, right? I think, if you have the time to evaluate and analyze your script and find the humor—I mean we have the luxury of some time of finding that humor and being able to execute upon that. I think if you can do that, if it's there in the copy, that's what you try to put up front and showcase. 17:02 - Jennifer (Host) I always say I'm going to zag. If everyone else is going to zig, I'm at least going to zag appropriately, because they also don't want to be the actors like. "Well, I remember her for the reason that she went off the rails." It has to make sense. 17:15 - Anne (Host) It has to make sense for the copy, right? And so I feel like that improv also, when I ask my students to create the scene, right? Be actors for a corporate narration that might be talking about investments or something that might sound dry. What is that story? Who are you talking to? Why does it matter? 17:31 You've got to be able to have that quick, like, let me create the scene and let me respond to it, right, and that just helps to enhance your script analysis, the speed at which you do that, and also if you're being asked live, like, "Give me an AB of that," or an "ABC of that." 17:45 - Jennifer (Host) Yeah, how are we going to do that if you haven't created exactly scenario? I always think about how, in scene work and acting, we think about the moment before. Yes, and it's always because you'll hear actors, or I've heard this in auditions lots, where I'm listening to an audition, particularly when I was producing, it's like, "I don't even know why." I hear them saying the script. Why are they saying those words? Why are you even talking? It feels like you just sort of like dropped in cold and started talking, but I don't know why. Yeah, and I always can hear an actor who's a little bit more connected to the copy. Yeah, absolutely, and that's because they created some reason for talking in the first place. 18:21 - Anne (Host) Yeah, they created a reason to say those first words. There's got to be a response or a reaction. I say that even for corporate copy, definitely. 18:29 - Jennifer (Host) Even for e-learning. 18:30 - Anne (Host) You know what I mean. Like you've got a student that just asked you a question and so otherwise, it sounds like to me, I'm always telling my students, it sounds like once upon a time I started a monologue. 18:39 - Speaker 2 (Announcement) Yeah. 18:40 - Anne (Host) And it just became like, "Oh, I picked this thought out of the air and I just started saying it." 18:44 - Jennifer (Host) And there's no reason for it, and so it's weird how we can hear that, isn't that weird? It's like the microphone, sort of like picking up your thoughts, sort of like the camera records thought. That's why you've got to have something going on behind your eyes. 18:55 - Anne (Host) I think it's like you can hear somebody reading, right, because there's a certain melody and—and I know there's got to be scientific evidence, right? There's a melody that we have when we read words and I know it very well because I'm always telling people to stop reading. Start talking. 19:08 - Jennifer (Host) Stop reading. You sound like you're reading. 19:11 - Anne (Host) And so there's a melody to just reading the words, and it seems to start at the same pitch, like, "Hi, I'm Anne, I started here once upon a time." I've heard casting talk about this. 19:21 - Jennifer (Host) Voice casting agents will talk about this all the time. It's like, again, given a level playing field, the first people we're going to boot out of the running are people who sound like they're reading as opposed to talking, and it's a challenging skill set because we are literally reading scripts, but we're interpreting written speech into spoken speech, and it's a skill set. So it takes time. And I was thinking about how, whenever I'm auditioning for something, I think, well, I'd love to book it, of course, but I always think I'm not auditioning for this one, I'm auditioning for the next one, because, let's say, you know, I don't get selected for this one. I want you to remember me for the next one. So, something I do in this audition, I want to spark a little like, "Well, let's keep her in mind for something else down the road," because that's all I can control, absolutely, absolutely. 20:13 - Anne (Host) Speaking of auditioning and being an active voice actor and a woman of a certain age, and I say that, you look amazing. 20:19 - Jennifer (Host) Well, thank you, but let's face it. We've been in the business for a while, not a teenager. 20:25 - Anne (Host) Yeah, I cannot sound millennial, no matter what. 20:27 - Speaker 2 (Announcement) I do, even though I have a younger sounding voice. 20:29 - Anne (Host) No, it's mostly in the attitude. But let's talk a little bit about having been in the community and been in the industry for a while. What's it like these days being a little bit older in this industry? How are you finding work? Is it plentiful? Are you finding? 20:42 - Jennifer (Host) Yeah, I mean it's plentiful, but I still think that in general we're youth-oriented. 20:49 So if you're over a certain age, 40 or beyond. Oh, let's face it, I haven't seen 40 in a minute. Yeah, me either. And look at us, we're thriving. There we go. The voiceover industry is definitely very inclusive. It's getting more diverse all the time. Like when I was producing commercials, you most definitely had to sound a certain way, be of a certain demographic, and now we're hearing all sorts of wonderful, diverse voices. I still think there's room for us to include more voices that are definitely over 40. I'm still hearing people on the air where I'm like, "You don't sound old enough to tell me about retirement or having a baby." 21:27 - Anne (Host) You sound like a kid. I always try to tell people I start with the product, because I feel like companies are going to promote their products to the demographic they can sell to. 21:38 So it starts there, right? So what sort of a product would you sell to a demographic of females over 40 or females over 50? And I feel like that's where it starts. I feel like the younger sounding. I think it's because the company is trying to expand their demographic to make more sales. I think that's where it starts anyways, because I'm always saying, "Well, the trend right now is a little bit towards more millennial, and that's just the way it is." But I feel like there are certain products that a millennial does not sound realistic. 22:04 - Jennifer (Host) Talking about like Depends, right, or retirement or certain financial instruments or mortgages or things where it's like wouldn't you have to be a little older to be getting? An elder millennial, at least to talk about that. 22:17 - Anne (Host) Go you elder millennials. It's hard to believe. I know that in automotive that was a big thing because with Uber and bosses out there, if you study like it's not hard to study, like demographics and marketing, right? I mean during the pandemic nobody was buying cars and younger people were not buying cars because they were really reliant on Uber and Lyft and the rideshare stuff. 22:38 And so car companies started really marketing hard towards younger people and that changes who they hire right to do their voiceovers, and so I think it's something, bosses, that you need to really like spend a few minutes every day studying the market that you want to sell into. Really, it's not hard, it's Google. 22:57 - Jennifer (Host) Yeah, it's iSpot, Google. And. 23:00 - Anne (Host) Google says that honestly, like you can just type in, like, you know, demographic, automotive demographics or, you know, trends, it's easy to find that out and that can help inform you educationally what you might be auditioning for, how you would respond to an audition, right? What is the company? 23:18 - Jennifer (Host) Who are they targeting their sales to, or who you're, if you're doing direct marketing, which I think every voice actor should be doing, if you're directly marketing yourself to a client. It's like, do you vibe with that client? Are you appropriate for that client? So that's basically how I'm represented. I have talent agents across the country and it's very clear to me that my reps are very good about knowing what my wheelhouse is. So I do get a lot of healthcare, insurance, tech, things like that—healthcare, insurance, tech, things like that, because that's who I vocally appeal to. 23:53 It makes sense, and women have an enormous buying power because we make most of the household buying decisions in most households, and so, even though I still think the guys are doing about 60% of the commercial voiceover work, we're at 40%, so we're catching up, but I think companies are starting to realize that women's voices are appropriate for their products and they want to market to us. So I think we're doing better all the time. So, yeah, there's a lot of content out there. 24:22 - Anne (Host) So I would say that, with all our wisdom, with all your wisdom—with our collective wisdom, with all our—no, with your wisdom. What would be your best tip for people that are just starting out today? Because the industry has evolved over the years and it has definitely changed. So today, if somebody's interested in pursuing voice acting, what do you say to? 24:41 - Jennifer (Host) Them? Brand spanking new, I'd say, and I know people are like, "But you all are coaches, so of course you're going to say this," but I would say this even if I didn't coach it: it is a skill set. And so I think you've got to start with good training, and I tell my students this all the time: Get involved in the voiceover community, get your squad together, get an accountability group, a voiceover workout group. You and I were just at the Nava Gala. Is it Gala or Gala? 25:07 - Anne (Host) Gala. 25:09 - Jennifer (Host) I think Gala. 25:09 - Anne (Host) Gala sounds more elegant. 25:11 - Jennifer (Host) Nava Gala. 25:12 - Anne (Host) We're the Nava Gala. 25:13 - Jennifer (Host) And it's just, it's a constant reminder that when we're so isolated and working on our own, if we don't have community around us, this job is hard. It is. I love the voiceover community so much, and so we have a community around us. We're learning things, we're sharing things, and so I always suggest to people, they're like, "Oh, I don't know what to do. How do I help myself in this career?" I'm like, "Well, get good training and get involved in the community so that you're constantly learning from your peers." Or at least, because we're working by ourselves, it can feel a little lonely and isolating. 25:47 - Anne (Host) Get some VO pals and get lifted up and listen to podcasts like the VO Boss podcast. 25:52 - Jennifer (Host) Yes, please. Listen to VO Boss, listen to VO Boss, guys. I've been doing this for eight years now. 25:59 - Anne (Host) Oh my gosh, it seems so forever. Eight years, amazing, every week. 26:03 - Jennifer (Host) I love it. Oh, my goodness. 26:04 - Anne (Host) Wow. 26:16 - Jennifer (Host) So if bosses want to find out more about you, where can they find out more about you? 26:18 - Anne (Host) I'm a busy kitty on the Instagram at Sims, my website, Sims. I'm busy there too, so, yeah, awesome, come see me. Well, Jennifer, it has been so much fun. I think we could probably talk for another hour or hours. 26:27 - Jennifer (Host) It would be a delight, but I know you're booked and busy, so we'll get on to other things. 26:31 - Anne (Host) But I thank you so much for spending your morning with me and bosses, make sure you look up Jen. Can I call you Jen? Jen? 26:40 - Jennifer (Host) Yeah, go by Jen. Look up Jen. I want to say Jennifer. Jen. 26:42 - Anne (Host) Check out Jen's website and check her out on her socials. Jen, check out Jen's website and check her out on her socials. Yes, please, bosses. 26:49 - Jennifer (Host) Yes, absolutely. 26:56 - Anne (Host) Thanks again, I'm going to give a great big shout out to our sponsor, IPDTL. You too can connect and network like bosses. Find out more at IPDTL.com. You guys have an amazing week and we will see you next week. Bye, bosses, you're the best. 27:06 - Speaker 3 (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at voboss.com and receive exclusive content, industry revolutionizing tips and strategies, and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.

Stocks fall in afternoon trading as investors weigh intensifying Middle East risks, a looming budget showdown, and this week's Fed decision. Scott Wren of Wells Fargo says don't overreact to geopolitical headlines. Olaolu Aganga of Mercer offers the global CIO view on allocation right now. Market impact from DC from Pangaea Policy founder Terry Haines. Plus: MP Materials CEO Jim Litinsky joins exclusively to discuss why rare earths are national security assets, his company's stock surge and the supply chain.

It's a tale of two forecasts on today's edition of Money Life, as two experts come to very different conclusions of how 2025 will play out. In The Big Interview, Paul Christopher, head of global investment strategy for the Wells Fargo Investment Institute says he expects the market to drop "5 to 10 percent easily" as tariffs, accompanying inflation and a slowing economy take hold during the third quarter and stick around for at least six months. Christopher notes that surprises could push the market down even further, back to or past April lows, but he noted that he'd be buying there, because he believes the United States was oversold early this year and will represent a particularly good value once it digests the expected downturn. In the Talking Technicals interview, however, Matt Fox, president of Ithaca Wealth Management, sets a 7000 target for the Standard & Poor's 500, up about 20 percent from current levels in the next 12 months. Fox says the sell-off in April did a lot of the "technical damage" necessary to set up a rally, and has us now at a point where "the path of least resistance is  higher." Fox's forecast, however, also is based on solid fundamentals, which he believes can overcome the current headline risks that are dominating the landscape now. Plus Drake Shadwell discusses the latest research from Clever Real Estate showing the current trends on how long houses are staying on the market and what that means for the strength or weakness of the economy.

Wells Fargo shared concerns for Tesla (TSLA), citing flat second-quarter vehicle deliveries compared to weaker numbers in the first quarter. With the company's tentative robotaxi launch scheduled this Sunday, George Tsilis says the pressure is on for Tesla to deliver. He believes it's critical the company has a strong showing for investors to gain confidence in autonomous driving. Tim Biggam offers a put calendar example options trade in Tesla.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

"The future of A.I. is not going to be built by any one company," said AMD Inc. (AMD) CEO Lisa Su as AMD unveiled new tech aimed to compete against giants like Nvidia (NVDA). In other tech news, Oracle (ORCL) got an upgrade at BMO Capital, while Wells Fargo named ZScaler (ZS) as a top pick. Diane King Hall goes deeper into the morning's developing stories.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Welcome to this edition of the award-winning Everything Compliance. In this episode, we have the quartet of Matt Kelly, Jonathan Marks, Jonathan Armstrong, and special guest panelist Hemma Lomax, all hosted by Tom Fox, the Compliance Evangelist. Hemma Lomax examines the customers of a compliance program and introduces us to the terms EX and CX. She shouts out to AI for podcasters. Matt Kelly delves into Google's compliance spending announcement and asks why the company does not have a Chief Compliance Officer. He both shouts out and rants about Marjorie Taylor Greene and her reading list. Jonathan Marks gives us a primer on corporate governance. He shouts out the quiet compliance professionals who do the day-to-day spadework of compliance. Jonathan Armstrong takes a deep dive into the finances of Tesla and its profitability. He shouts out to Operation Spider's Web. Tom Fox highlights Wells Fargo's compliance remediation, the Fed's asset cap placed on Wells Fargo, and its subsequent removal. The members of Everything Compliance are: Karen Woody – is one of the top academic experts at the SEC. Woody can be reached at kwoody@wlu.edu Matt Kelly – Founder and CEO of Radical Compliance. Kelly can be reached at mkelly@radicalcompliance.com Jonathan Armstrong – is an experienced compliance & technology lawyer based at Punter Southall Law in London (https://puntersouthall.law/).  He adds an international focus and can be reached at Jonathan.Armstrong@puntersouthall.law. Jonathan Marks – can be reached at jtmarks@gmail.com Karen Moore – is a principal at Sounding Board Compliance and can be reached at karen.moore@soundingboardcompliance.com Tom Fox, the Voice of Compliance, is the host, producer, and sometimes panelist of Everything Compliance. He can be reached at tfox@tfoxlaw.com. The award-winning Everything Compliance is part of the Compliance Podcast Network. Learn more about your ad choices. Visit megaphone.fm/adchoices

Speakers:  Teresa Ho Gentile, Head of US Short Duration Strategy Ipek Ozil, Head of US Interest Rate Derivatives Strategy   Teresa Ho and Ipek Ozil discuss the recent developments in rates markets. They talk about the impact of eliminating IORB, Wells Fargo's asset cap being lifted, and Michelle Bowman's confirmation as the Fed Vice Chair of Supervision.   This podcast was recorded on June 10, 2025. This communication is provided for information purposes only. Institutional clients can view the related report at https://www.jpmm.com/research/content/GPS-5004342-0 and https://www.jpmm.com/research/content/GPS-5000235-0 for more information; please visit www.jpmm.com/research/disclosures for important disclosures. © 2025 JPMorgan Chase & Co. All rights reserved. This material or any portion hereof may not be reprinted, sold or redistributed without the written consent of J.P. Morgan. It is strictly prohibited to use or share without prior written consent from J.P. Morgan any research material received from J.P. Morgan or an authorized third-party (“J.P. Morgan Data”) in any third-party artificial intelligence (“AI”) systems or models when such J.P. Morgan Data is accessible by a third-party. It is permissible to use J.P. Morgan Data for internal business purposes only in an AI system or model that protects the confidentiality of J.P. Morgan Data so as to prevent any and all access to or use of such J.P. Morgan Data by any third-party.

Die Wall Street wartet auf Nachrichten von den Handelsgesprächen zwischen China und den USA. Nach den gestrigen Kommentaren von Wirtschaftsberater Hassett und Handelsminister Lutnick, hat Optimismus an der Wall Street zugenommen. Man hofft auf eine Entspannung der US-Exportrestriktionen für Technologie. Unabhängig davon warten Marktteilnehmer auf die am Mittwoch anstehenden Mai-Verbraucherpreise. J.P. Morgan geht davon aus, dass die Erwartungen getroffen oder sogar unterboten werden könnten. Donald Trump hat Elon Musk gestern viel Erfolg gewünscht, was auf eine Entspannung des Streits zu deuten scheint. Die Aktien von Tesla tendieren zum Handelsstart freundlich. Wells Fargo rät Anlegern weiterhin dazu die Aktie zu verkaufen. Die Mai-Auslieferungen lagen 23% unter dem Niveau des Vorjahres und seit Beginn des zweiten Quartals 21% unter Vorjahresniveau. Was Apple betrifft, wird die Word Wide Developers Conference in Sachen AI als lauwarm beschrieben. Wie dem auch sei, bleiben die Citigroup, Bank of America und Morgan Stanley bei den Kaufempfehlungen. Die Kursziele liegen in einer Spanne von $235 bis $240. Abonniere den Podcast, um keine Folge zu verpassen! ____ Folge uns, um auf dem Laufenden zu bleiben: • X: http://fal.cn/SQtwitter • LinkedIn: http://fal.cn/SQlinkedin • Instagram: http://fal.cn/SQInstagram

Die Wall Street wartet auf Nachrichten von den Handelsgesprächen zwischen China und den USA. Nach den gestrigen Kommentaren von Wirtschaftsberater Hassett und Handelsminister Lutnick, hat Optimismus an der Wall Street zugenommen. Man hofft auf eine Entspannung der US-Exportrestriktionen für Technologie. Unabhängig davon warten Marktteilnehmer auf die am Mittwoch anstehenden Mai-Verbraucherpreise. J.P. Morgan geht davon aus, dass die Erwartungen getroffen oder sogar unterboten werden könnten. Donald Trump hat Elon Musk gestern viel Erfolg gewünscht, was auf eine Entspannung des Streits zu deuten scheint. Die Aktien von Tesla tendieren zum Handelsstart freundlich. Wells Fargo rät Anlegern weiterhin dazu die Aktie zu verkaufen. Die Mai-Auslieferungen lagen 23% unter dem Niveau des Vorjahres und seit Beginn des zweiten Quartals 21% unter Vorjahresniveau. Was Apple betrifft, wird die Word Wide Developers Conference in Sachen AI als lauwarm beschrieben. Wie dem auch sei, bleiben die Citigroup, Bank of America und Morgan Stanley bei den Kaufempfehlungen. Die Kursziele liegen in einer Spanne von $235 bis $240. Ein Podcast - featured by Handelsblatt. +++Erhalte einen exklusiven 15% Rabatt auf Saily eSIM Datentarife! Lade die Saily-App herunter und benutze den Code wallstreet beim Bezahlen: https://saily.com/wallstreet +++ +++EXKLUSIVER NordVPN Deal ➼ https://nordvpn.com/Wallstreet Jetzt risikofrei testen mit einer 30-Tage-Geld-zurück-Garantie!+++ +++ Alle Rabattcodes und Infos zu unseren Werbepartnern findet ihr hier: https://linktr.ee/wallstreet_podcast +++ Der Podcast wird vermarktet durch die Ad Alliance. Die allgemeinen Datenschutzrichtlinien der Ad Alliance finden Sie unter https://datenschutz.ad-alliance.de/podcast.html Die Ad Alliance verarbeitet im Zusammenhang mit dem Angebot die Podcasts-Daten. Wenn Sie der automatischen Übermittlung der Daten widersprechen wollen, klicken Sie hier: https://datenschutz.ad-alliance.de/podcast.html

James Harenchar is the President & CEO of Response Marketing Group, a consumer-data-focused marketing agency in Richmond, Va. As such, he is responsible for relationship development and account strategy at the independent agency, which offers marketing strategy/planning, data analytics, and interactive services. The agency serves many clients in the financial services, tourism, and healthcare sectors. RMG was founded in 1986 and their approach is consistent with the success gleaned from 35+ years of experience – data insights married to relevant messaging to the target audience. They are channel-neutral and work with select clients to define the KPIs that will drive revenue growth, customer growth, and increased asset values. They have developed several proprietary Ad Tech solutions that have introduced game-changing outcomes for DMOs across the US. In addition to serving as CEO, Jim leads the Travel and Tourism practice for RMG, which includes clients such as Arkansas Tourism, Georgia Tourism, Visit Savannah, Crested Butte, The Ritz Carlton, and The Resort Hotel Association among others. He is a thought leader within the tourism sector and a frequent speaker at the Southeast Tourism Society conference, Forrester Marketing Conference, Ad Federation, DestiCon, and Gartner. Prior to Response Marketing Group, Jim was Senior Vice President at The Allant Group in Chicago, IL from 2010-2014. He led the Strategic Consulting practice that delivered marketing strategy and high-level research to CMOs and brand managers at clients such as GM, Comcast, Nationwide Insurance, US Tennis Association, US Cellular, Blue Cross/Blue Shield, and Wells Fargo. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big!   Connect with James Harenchar: Website: www.rmg-usa.com X: https://www.twitter.com/RMG_USA_VA LinkedIn: https://www.linkedin.com/in/jharenchar/ Facebook: https://www.facebook.com/rmgusallc                                     *E – explicit language may be used in this podcast.

Jobs market remains in a good spot  Headline nonfarm payrolls increased 139k in the month of May, which was above the estimate of 125k, but below April's reading of 147k. A big negative in the report was the fact that March and April saw negative revisions that caused payrolls in those months to decline by a combined 95k versus what was previously reported. Even with that, if you zoom out and look at the big picture the economy is still adding jobs at a healthy rate given the fact that the unemployment rate has remained at 4.2%. I would also say it was a big positive that the private sector saw good growth since federal government payrolls declined by 22k in the month of May and are now down by 59k since January. I still expect losses to accelerate in the coming months for government payrolls since employees on paid leave or receiving ongoing severance pay are still counted as employed. Areas that saw major growth in the month included health care, which added 62k jobs and leisure and hospitality, which added 48k jobs in the month. Many of the other major industries saw little change. Wages were also positive in the month for workers as average hourly earnings grew 3.9% compared to last year. This was above the forecast of 3.7% and last month's reading of 3.8%. I believe this is a good level for wage growth as it is healthy for workers, but not overly concerning on the inflation front. I would say this jobs report did little to change the narrative on the economy as it showed it remains healthy, but it definitely appears to be slowing.    Office space may be harder to find in the coming years  For the first time in at least 25 years, office conversions and demolitions will exceed new construction, which means there will be less space available. CBRE Group found that across the largest 58 U.S. markets, 23.3 million square feet of space will be demolished or converted to other uses by the end of this year while just 12.7 million square feet of space is expected to be completed by developers in those markets. We do have an office REIT in our portfolio and they recently talked about how leasing has continued to exceed expectations. I continue to believe the office has a valuable place in business and we have continued to see more and more companies implement return to office mandates. With less supply out there and demand remaining strong, we should see owners of office space benefit from stabilizing rents and increasing prices in the coming years. On the other side of coin, I have continued to express concern about the long-term dynamics for multifamily housing due to the construction boom in the space and potential oversupply. It's not just the new construction though as developers have another 85 million square feet of office space being readied for conversion in the next few years. This comes after office conversations to multifamily residences that have generated roughly 33,000 apartments and condominiums since 2016. It is estimated by CBRE that each conversion on average produces around 170 units. As a contrarian investor I many times like to go against the grain. With that being said I am definitely much more interested in the office space over the residential space at this point in time.      Facebook scams are out of control  There's no way of tracking the exact number of scams or the dollar amount lost from scams on Facebook and Instagram, but JP Morgan Chase said between the summers of 2023 and 2024 they accounted for nearly half of all reported scams on Zelle. An internal analysis from 2022 found that 70% of newly active advertisers on the platform are some forms of scam or low-quality products. Meta, the owner of Facebook and Instagram, does over $160 billion in advertising and is hesitant to put any restrictions that could prevent growth in their ad business. In 2024, the Wall Street Journal discovered documents that advertisers can be hit with anywhere between eight and 32 automated strikes for financial fraud before their accounts are banned. On top of that, Facebook Marketplace, which is its online secondhand market, has now passed Craigslist as the most heavily used platform for free classified ads and it has become a great place for scams. The scam that most people fall for is the sale of pets. This comes even though Meta bans the peer-to-peer sale of live animals. Meta has as argued in court it is not their legal responsibility to deal with the issue. Section 230 in the US telecommunications law relieves platforms like Facebook and Instagram from liability of users who create their own content. This is currently being tested by an Australian mining billionaire because Facebook failed to remove fraudulent investment advertisements that used his image and AI cloned voice. Hopefully he wins the case. In the meantime, I would have to recommend that people stay away from using Facebook or Instagram for buying from advertisers on their platforms because you could be dealing with someone from China, Vietnam, or the Philippines, who have stolen pictures of a familiar company that you think you know, even including its address. And once you give them your credit card information or any other financial information, they have you and your problems will begin.   Financial Planning:  Retirement Savings Rate Hits Record High; How Do You Compare?  The average 401(k) savings rate, including employee contributions and employer matches, has reached a record high of 14.3%, nearing the widely recommended target of 15% for a secure retirement. This milestone reflects growing awareness of the importance of long-term financial planning, especially as traditional pensions continue to disappear. However, the ideal savings rate isn't one-size-fits-all. Individuals who begin saving in their early 20s may be able to retire comfortably with a lower contribution rate, while those who delay investing until their 30s or 40s often need to save well above 15% to catch up. Starting early allows compound interest to do more of the heavy lifting, highlighting the value of consistent, proactive saving from a young age. For example, someone who starts at the beginning of their career might be okay saving as little as 7% of their income and still retire on time. This means if they save the minimum necessary to receive the full company match (5% contribution + 4% match = 9%) they likely will be fine. However, waiting until their 40's may require a savings rate of 25% or more to produce the same retirement income.    Companies Discussed: Salesforce, Inc. (CRM), The Gap, Inc. (GAP), Wells Fargo & Company (WFC) & Steel Dynamics, Inc. (STLD)

Holy shhh! A pretty quiet and normal show today!Episode notes:Wells Fargo employee found dead at her desk days after she last clocked into work, authorities sayDelta Workers Killed After a Boeing Plane's Tire Unexpectedly ExplodesOhio woman allegedly killed cat and ate it in front of neighborsRussian Chess Player Suspended After Allegedly Poisoning Rival's Chessboard With MercuryThis Kentucky Man Hacked A Government Registry To Fake His Own Death And Avoid Paying Child Support

Katie and Matt discuss Wells Fargo’s asset cap, credit ratings conflicts of interest, private credit controversies in the insurance business, why BBB- is the best rating, Main Line real estate prices, Marshall Wace, hiring cheaters at hedge funds and signals from the sell side.See omnystudio.com/listener for privacy information.

Creativity through the lens of a photographer and storyteller"You can do anything you want. The level of success is not the measure that matters."Brian Doben's ongoing “At Work” series documents everyone from tattoo artists and sumo wrestlers to Chemists and prosthetic Limb designers wherever they are. His process has brought him all over the world from L.A., Tokyo and Mumbai, to Cuba, Israel, Australia and all over the US.  ‘At Work' is a study of our world and how the people in it follow their unique callings. Brian released several dozen of his “At Work” portraits in a book of the same name while simultaneously presenting them at the photography festival Les Rencontres d'Arles in 2013. Since then he's released a steady stream of portraits over the years.Brian's own work for his editorial clients that include GQ, Vanity Fair, Travel & Leisure, and Town & Country has brought him to far-flung locations like Madagascar, Antarctica, and even the Himalayan Kingdom of Bhutan. Each of these cultures have taught him new things about how humans approach the important work they do and how to bring that to life.He takes the authentic touch he's earned from ‘At Work' into his fashion and celebrity work offering a natural style that is all his own. His advertising clients – that include American Express, Apple, Cadillac, Chase, Ford, Google, Intel, Intuit, Lexus, PayPal, Sony, UPS, and Wells Fargo amongst many others – benefit from his ability to compose complex images and capture genuine moments that emerge on their own under his direction.Brian has received awards from the Society of Publication Designers, American Photography, and Photo District News for his work. He was one of PDN's 30 Under 30, Kodak's Photographer of the year, and the inaugural photographer on PDN and Kodak's “Emerging Artists Series” website. His work is also part of the Museum of the City of New York's permanent collection. Brian was born and raised in Brooklyn, New York, he currently lives outside Boston with his wife and daughter.www.briandoben.comwww.atworkproject.comhttps://vimeo.com/569989289Send us a text

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee, and listen in to the Daily Compliance News. All from the Compliance Podcast Network. Each day, we consider four stories from the business world: compliance, ethics, risk management, leadership, or general interest, all relevant to the compliance professional. Top stories include: Mongolian PM ousted over corruption. (Aljazeera) No ditherers, please. (FT) Will there be a one-commissioner CFTC? (Bloomberg Law) Why the Wells Fargo asset cap was a good punishment.  (Bloomberg) Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 598: Neal and Toby discuss Wells Fargo's asset cap being lifted after it spent years overhauling its regulatory policies due to abusive tactics against customers. Then, automakers are scrambling to find workaround after China halts rare earth magnets essential to car production. Plus, a Google report finds hackers posing as IT workers have gained access to Salesforce data for extortion purposes. Meanwhile, Neal shares his favorite numbers on Scottsdale, AZ, cannabis among the elderly, and the loneliest paint of 2025.  Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. LinkedIn will even give you a $100 credit on your next campaign so you can try it yourself. Go to LinkedIn.com/MBD  Terms and conditions apply. Only on LinkedIn Ads. 00:00 - Nintendo Switch Release 03:00 - Wells Fargo Cap Lifted  07:45 - Cars and Rare Earth Minerals 11:50 - Hacking Warning from Google  16:15 - Neal's Numbers 24:00 - Headlines Learn more about your ad choices. Visit megaphone.fm/adchoices

Apple's rollout of artificial intelligence services in China with Alibaba is being held up, Wells Fargo faces an uphill battle to catch up with its rivals after asset cap was lifted, and US President Donald Trump says Russian President Vladimir Putin is not ready for “immediate peace” with Ukraine. Plus, the European Commission has finally given Bulgaria the green light to join the Eurozone in 2026.Mentioned in this podcast:Apple and Alibaba's AI rollout in China delayed by Trump trade warWells Fargo has finally shed its dunce capWells Fargo asset cap lifted after ‘fake accounts' scandalPutin planning to retaliate for Ukraine drone attack, says TrumpBulgaria to join Eurozone in 2026Today's FT News Briefing was produced by Sonja Hutson, Kasia Broussalian, Lulu Smyth, and Marc Filippino. Additional help from Blake Maples, Michael Lello, David da Silva and Gavin Kallmann. Topher Forhecz is the FT's acting co-head of audio. The show's theme song is by Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

How do leading CIOs drive innovation, resilience, and trust amid volatility? In today's episode of Technovation, we feature a panel from our Metis Strategy Summit held on May 13, 2025 moderated by Peter High. The topic was Cultivating Resilience and Trust in Uncertain Times and the executives who joined the discussion were Cindy Hoots, Chief Information Officer of AstraZeneca, Rahul Jalali, Chief Information Officer of Union Pacific, and Ather Williams III, Head of Strategy, Digital, Innovation, & Enterprise Payments at Wells Fargo. Each shares frontline perspectives on navigating disruption from economic uncertainty and shifting supply chains to generative AI and regulatory complexity. Together, they unpack how their organizations are leveraging digital platforms, data, and cross-functional leadership to respond to instability and build enduring trust with customers, regulators, and employees.

Instead of Call-to-Action Do this Inside-Out vs. Outside-In Marketing Episode 260 (James is based in California) In this conversation with James Hipkin we explore: The difference between inside-out and outside-in marketing—and why it matters. Why empathy is a marketer's most powerful asset. How to design a website that confirms, not converts. The fatal flaw in “call to action” and what to say instead. How to create “people like you” pathways for segmented audiences. The power of micro-transactions to build trust and drive decisions. The six elements your homepage must deliver in under six seconds. How to leverage testimonials and trust signals effectively. The real value of SEO: understanding search intent. How AI can build customer avatars and journey maps affordably. Why many marketing efforts fail due to lack of clear strategy and measurement. ----- About out guest, James Hipkin: James has worked in marketing and advertising for over 40 years. His clients included Sprint, Apple, Nestle, Toyota and Wells Fargo online bank. Since 2010 James has helped his client build business with digital marketing. He's the author of "Journey to Success: Digital Marketing for Small Business Owners" You can take arrange for your website audit at sixsecondsorless.com Learn more about his marketing services at https://inn8ly.com/ ----- Key lessons from this conversation with James: 1. Empathy is the Core of Great Marketing Learning Point: Effective marketers must understand their audience's emotions, struggles, and perspective 2. Marketing Should Be Outside-In, Not Inside-Out Learning Point: Focus on the customer's needs, not your own accolades. 3. Websites Are for Confirmation, Not Just Conversion Learning Point: A visitor comes to confirm if you understand their problem—not to be sold instantly. 4. Replace 'Call to Action' with 'People Like You Pathways' Learning Point: Invite users into their own journey instead of shouting instructions 5. Design Websites Around Micro-Transactions Learning Point: Every click, visual, and copy element should build trust incrementally. 6. Your Hero Section Must Do Five Things in Six Seconds Learning Point: In 6 seconds or less, your website must confirm identity, state benefit, show credibility, offer clear navigation, and deliver easy-to-consume content. 7. Testimonials and Credibility Should Be Visible Upfront Learning Point: Place a compelling testimonial or credibility bar near the top of the page. 8. SEO is Not Dead — It's Misunderstood Learning Point: SEO helps you understand search intent more than rank your site. 9. Use AI to Build Customer Avatars and Journey Maps Learning Point: AI can help generate data-driven insights at a fraction of traditional research costs. 10. Measure What You Do — Or You're Just Guessing Learning Point: Without strategy, planning, and measurement, marketing efforts collapse. ----- ----more---- Your Intended Message is the podcast about how you can boost your career and business success by honing your communication skills. We'll examine the aspects of how we communicate one-to-one, one to few and one to many – plus that important conversation, one to self. In these interviews we will explore presentation skills, public speaking, conversation, persuasion, negotiation, sales conversations, marketing, team meetings, social media, branding, self talk and more.   Your host is George Torok George is a specialist in communication skills. Especially presentation. He's fascinated by the links between communication and influencing behaviors. He delivers training and coaching programs to help leaders and promising professionals deliver the intended message for greater success.   Connect with George www.SpeechCoachforExecutives.com https://www.linkedin.com/in/georgetorokpresentations/ https://www.youtube.com/user/presentationskills https://www.instagram.com/georgetorok/  

Unser Partner Scalable Capital ist der einzige Broker, den du brauchst. Inklusive Trading-Flatrate, Zinsen und Portfolio-Analysen. Alle weiteren Infos gibt's hier: scalable.capital/oaws. Aktien + Whatsapp = Hier anmelden. Lieber als Newsletter? Geht auch.  Das Buch zum Podcast? Jetzt lesen. China will Flugzeuge, aber nicht aus den USA. Amazon und Globalfoundries wollen investieren, und zwar in den USA. Asana wächst, aber nicht stark genug. CrowdStrike könnte nicht stark genug wachsen, Wells Fargo wächst künftig ohne Grenze. Auch in Deutschland gibt's weniger neue Teslas auf den Straßen, bei SFC Energy und Thyssenkrupp Nucera dafür neue Großaufträge. Klagen in den USA sind teuer. Und lukrativ. Der Beweis: Burford Capital (WKN: A2QE5M). 2.000% Rendite in 10 Jahren. Der Schweizer Krypto-Highflyer Swissquote (WKN: 938312) macht's möglich. Diesen Podcast vom 05.06.2025, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung.

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee, and listen in to the Daily Compliance News. All from the Compliance Podcast Network. Each day, we consider four stories from the business world: compliance, ethics, risk management, leadership, and general interest, all of which are relevant to the compliance professional. Top stories include: Wells Fargo has an asset cap lifted. (WSJ) More Millennials and Gen Zers as middle managers. (Business Insider) Swiss banking reforms for UBS are announced. (FT) More spying and corruption at EcoPetrol. (Bloomberg) Learn more about your ad choices. Visit megaphone.fm/adchoices

A.M. Edition for June 4. President Trump's tariffs on imported steel and aluminum jumped overnight, leading industry players to warn of price increases and potential shortages. Plus, Journal finance editor Alex Frangos discusses the Federal Reserve's decision to lift its longstanding cap on Wells Fargo's assets, imposed as punishment for a fake-accounts scandal. And American Clean Power Association CEO Jason Grumet weighs in on the debate over phasing out clean-energy tax credits that's dividing some Senate Republicans. Luke Vargas hosts.   Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Plus: Automakers fear China's rare-earth magnet export controls may halt car production within weeks. And federal regulators have moved to lift an asset cap placed on Wells Fargo back in 2018. Kate Bullivant hosts. Sign up for WSJ's free What's News newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Carl Quintanilla and Sara Eisen discussed weaker-than-expected May jobs data from ADP. Oppenheimer Chief Investment Strategist John Stoltzfus joined the program to discuss his market perspective. He also reacted to Congressional Budget Office analysis which shows President Trump's tax and spending bill would add $2.4 trillion to the national debt. Bridgewater Associates founder and legendary investorRay Dalio discussed how failing to rein in debt would result in dire consequences for the U.S. economy. Senate Banking Committee Ranking Member Elizabeth Warren (D-MA) appeared on the show and slammed Wells Fargo's 7-year, $2 trillion asset cap being lifted by the Fed – saying Wells should “stop breaking the law.” Warren also reacted to Elon Musk's criticism of Trump's “big, beautiful bill.” Squawk on the Street Disclaimer

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through some surprising housing inventory statistics. Plus, Robbie sits down with Partners Credit's Tracey King for a chat about the evolving conversation around credit costs, what lenders should understand about FICO's role, and how early credit data signals provide a valuable lens into future market activity. And we close with a look at the latest from President Trump's trade war.Today's episode is sponsored by CreditXpert—the credit optimization platform that helps today's top mortgage originators and more than 60,000 mortgage professionals qualify more applicants, make more competitive offers, reduce LLPA premiums and close more loans. Download your free copy of the credit optimization playbook today at creditxpert.com/chrisman. 

US Senator Elizabeth Warren of Massachusetts discusses "Big Banking", Wells Fargo, debt ceiling, and more. Warren spoke with Bloomberg's Joe Mathieu and Kailey Leinz.See omnystudio.com/listener for privacy information.

On today's podcast: 1) More tensions between the U.S. and China as President Trump says Xi Jinping is extremely hard to make a deal with. Tensions between the two countries are increasing, with the US recently barring the shipping of critical jet engine parts to China and seeking to slap fresh curbs on Huawei Technologies Co. chips, among other measures. 2) Elon Musk blasts the president's tax cut bill, calling it an "abomination." Musk's criticism was met with responses from White House Press Secretary Karoline Leavitt, who brushed it off, and Senator Mike Lee, who appeared to endorse Musk's criticism. The tax bill is forecast to bring down federal revenue by about $4 trillion over a decade, adding about $2.5 trillion to the federal deficit over the period. 3) Wells Fargo finally gets out from under the Fed's cap on its assets. The Fed said Wells Fargo met all conditions required by an enforcement action imposed on the bank in 2018 to remove the restriction. The removal of the cap marks a major win for CEO Charlie Scharf and allows the bank to pursue growth again, with plans to increase returns and growth in a deliberate manner.See omnystudio.com/listener for privacy information.

After 7 years Wells Fargo is once again allowed to grow deposits, after being penalized for its fake account scandal. What's it mean for the rest of the sector, particularly the regionals? We discuss. Then the CEO of HPE joins the show. After reporting a beat across the board. The outlook for its AI server business and the impact of tariffs. Plus pipeline operator Williams looking to revive a controversial natural gas pipeline project based in New York State. Its CEO addresses the backlash and outlook for the nat gas sector.

Beheading the Dragon (1) (Audio) David – 6/4/2025 Marie Kelton Vision - 6/2/2025 Cutting off the Dragon's Head to set God's people free. During the meeting, I had an open vision. I was in the third heaven. And I saw a huge black dragon. (Babylon's DS Khazarians) Trying to come up into the third heaven. (Seeking to take authority that is not his) (Satan wanting to be like the Most high). Isa 14:14-17: "I will ascend above the heights of the clouds; I will make myself like the Most High. Yet thou shalt be brought down to Sheol, to the uttermost parts of the pit. They that see thee shall gaze at thee, they shall consider thee, saying, Is this the man that made the earth to tremble, that did shake kingdoms; that made the world as a wilderness, and overthrew the cities thereof; that let not loose his prisoners to their home?" When he came up part way. I saw that there were saints inside of his belly, wanting to get out. The Lord said to me, "Captives in the belly of the beast." (We are in the belly of this world wide beast but as we will see The Lord of Hosts of angels, Jesus Christ, also using Cyrus will bring it down. Our part is spiritual warfare.) I saw the Lord who looked angry jump up in the air on one side of the dragon. And I saw myself with the white head covering on simultaneously do the same thing as him but on other side of the dragon. (Symbolizing the saints who are submitted to the Lord in warfare.) We both had swords in our hands and we both came down and cut the dragon's head off. (This is happening over a period of time as the DS Khazarians lose their leaders. We are to cast down the dominion of Satan and His angels who lead his earthly leaders as in Rev 12:7  And there was war in heaven: Michael and his angels going forth to war with the dragon; and the dragon warred and his angels; 8  and they prevailed not, neither was their place found any more in heaven. 9  And the great dragon was cast down, the old serpent, (As we know the old serpent had legs in the garden but the Lord cursed him to crawl on his belly and eat the dust of the earth representing flesh.) he that is called the Devil and Satan, the deceiver of the whole world; he was cast down to the earth, and his angels were cast down with him. 10  And I heard a great voice in heaven, saying, Now is come the salvation, and the power, and the kingdom of our God, and the authority of his Christ: for the accuser of our brethren is cast down, who accuseth them before our God day and night. 11  And they (the brethren or saints) overcame him because of the blood of the Lamb, and because of the word of their testimony; and they loved not their life even unto death.  The Lord Jesus over Michael's angelic forces are crushing “the old serpent” aboves head. Gen 3:14  And Jehovah God said unto the serpent, Because thou hast done this, cursed art thou above all cattle, and above every beast of the field; upon thy belly shalt thou go, and dust shalt thou eat all the days of thy life: 15  and I will put enmity between thee and the woman, and between thy seed and her seed: he shall bruise thy head, and thou shalt bruise his heel.  Marie: The dragon fell from the second heaven to the first heaven, of earth, and landed on the ground. Then the Lord went down from the third heaven to the first heaven. The Lord cut open the belly of the dragon. And pulled out the captives that were still alive. (Jer 51:44  And I will execute judgment upon Bel in Babylon, and I will bring forth out of his mouth that which he hath swallowed up; and the nations shall not flow any more unto him: yea, the wall of Babylon shall fall. 45  My people, go ye out of the midst of her, and save yourselves every man from the fierce anger of Jehovah. 46  And let not your heart faint, neither fear ye for the tidings that shall be heard in the land; for tidings shall come one year, and after that in another year shall come tidings, and violence in the land, ruler against ruler. 47  Therefore, behold, the days come, that I will execute judgment upon the graven images of Babylon; and her whole land shall be confounded; and all her slain shall fall in the midst of her. Her heads are facing Alliance military tribunals and execution. Meanwhile they are attempting to spread earthquake and volcanic activity to distract from revelations of their evil. Our dreams we have shared have shown this is from the DS. The Mississippi and Colorado Rivers, which were likely formed by fault lines, appear to be opening up causing sinkholes, as the plate slides west causing earthquakes off of California's coast. The sinkholes down the Mississippi go out into the Gulf. As some will remember and we saw the Mississippi start out full force in the north but as it went south you could see the bottom showing up as the fault swallowed the water, which was an amazing sight. Further up the Mississippi, The New Madrid fault zone has had many, many, smaller earthquakes, which will likely lesson the size of a bigger one to come due to stress relief. This is another place the DS planned a distraction but the Lord of Hosts is intervening. They are also attempting to start WWIII by the Khazarians attacking Iran. President Trump wisely pulled out of that. Two more attempts were planned but the Lord of Hosts stopped this. Also Nato's plan to attack Russia through the Nazii's failed, helping to tip Poland toward the MAGA right in their election. DS Khazarians were using Poland and that appears to be over shortly. The Lord of Hosts has stopped many attempts at World War. Sill we know there is a huge one coming soon.  Rev 6:3  And when he opened the second seal, I heard the second living creature saying, Come. 4  And another horse came forth, a red horse: and to him that sat thereon it was given to take peace from the earth, and that they should slay one another: and there was given unto him a great sword.  The War to Behead the Dragon… Judy's note on Operation Disclosure unredacted on Rummor Mill: On Mon. 2 June 2025 the Globalist Deep State Cabal Vatican's Ninth Circle Satanic Child Sacrifice Cult's Khazarian Mafia attempted to start a nuclear World War III by attacking Russian trains and airbases on the eve of Peace Talks. Such appeared to be in retaliation for Vladimir Putin's Sat. 31 May unleash of a precision drone-and-missile assault on a child trafficking Global Pedo enclave run by Globalist Deep State Cabal Vatican's Ninth Circle Satanic Child Sacrifice Cult's Khazarian Mafia in their headquarters of Ukraine. There were 51 abducted Russian children rescued in the process. Ukraine was international headquarters for the Vatican's Ninth Circle Satanic Child Sacrifice Cult. They ran Child Sacrifice rites and pedophile parties across the World, even beneath Joe Biden's 200 acre Ukraine property and beneath the White House. Noted reporter Tucker Carlson had released 2008 recordings: Obama, Clinton, Biden, Epstein, and Congress members caught raping and sacrificing children. Days later, children were rescued in the dead of night. There were DUMB Underground Tunnels that ran across the Globe, even beneath Capitol Hill—200 miles of satanic infrastructure—used to traffic and torture innocent children. JAG officers were witnessed removing hundreds of kids just after Biden's fake inauguration in 2021. Then in 2022, Russian Military unearthed U.S.-owned bioweapon labs under Biden property in Ukraine—mutilated child corpses confirmed. Trump's global alliance took action. These labs were connected to DUMBs, where children were experimented on like lab rats. Joe Biden and 464 elected traitors were arrested. Many were tried and executed at GITMO. Trump recently announced that Biden was dead and what you see now were actors, clones, digital stand-ins. Hillary Clinton? Hung for treason. The Clintons, Obamas, and Bidens—all gone. The Mexican Cartels—built by the CIA and backed by CCP/Obama/Biden—were being dismantled right now by Mexican patriots trained by Trump-aligned forces near Cheyenne Mountain. Meanwhile last Saturday 31 May 2025 over 500 Russian kamikaze drones and Klub cruise missiles had obliterated 17 black-site facilities that housed a pedophile network. It spanned Ukraine, Albania, France and German operatives who were trafficking abducted children through NATO-protected routes. Russian aircraft reportedly dropped evacuation leaflets Friday night, giving locals 24 hours to flee. At the same time, Spetsnaz special forces tracked and verified that no children remained inside, confirming the mission was surgical. Russian FSB agent Andrei Zakharov confirmed the intelligence behind the strike. “We warned civilians. We gave them time. If they stayed, they chose their side. We do not negotiate with pedophiles. We rescue our children and destroy the pigs who steal them.” This was not just military action — it was a declaration of war against the global child trafficking elite. The same cabal that operated unchecked for decades under the cover of fake wars, humanitarian fronts and Western alliances that were now bombing Russia. Putin was forced to act because the Deep State left him no choice. The Globalist Deep State Cabal Vatican's Ninth Circle Satanic Child Sacrifice Cult's Khazarian Mafia's abduction of children to torture in their Satan Worshipping pedophile Child Sacrifice rites went back centuries – and 51 Russian children had recently disappeared. Plus, Russian intelligence had intercepted Cabal plans to expand their trafficking operations into Crimea and even parts of rural Russia. It was a line in the sand — and Putin unleashed fire. Ukraine was never just about territory. It's about the kids. The elites were furious their supply chain just got bombed to dust, so they worked with UN, NATO and even, it was suspected, Deep State Cabal Elite US Congressional leaders to sneak weaponized drones into Russian villages for their attack. Afterwards they would attack Iran to make a Nuclear World War III complete. They didn't care how many people would die. All would fit into their depopulation agenda. Meanwhile, Western media stayed silent. NATO called it aggression. The UN cried about “civilian casualties” – which there were none. But no one was asking why Ukrainian soil housed black-site child prisons protected by foreign intelligence assets. This was the beginning of the end for the Satan Worshipping Cabal. The children were being avenged. In secret, Trump's Global Military Alliance was backing Putin. Both were deeply involved in a Global Currency Reset that took away the Cabal's hold over the World's monetary system and gave taxpayer money back to The People. It was all about money and the Cabal was desperate because they were losing their funding source – US Taxpayer monies which they had controlled since at least 1918. They had one option left: in the past they had made a lot of money by financing both sides of war. Another war would also result in having more control over The People – as had happened in the past. Starting a Nuclear World War III through bombing Russia and Iran was on the menu. But, this Globalist Deep State Cabal Vatican's Ninth Circle Satanic Child Sacrifice Cult's Khazarian Mafia's attempts to get the World into a nuclear war was not going to work as it had in the past, where the war strategy was based on a Global Disinformation campaign – that was now falling apart. The Global Disinformation Index (GDI), based in the U.K. and backed by the National Endowment for Democracy, had received millions of US Taxpayer dollars under the pretense of fighting foreign disinformation. It's real target was President Trump, the America First movement and any media outlet that didn't align with the Globalist narrative. GDI, the SPLC, Big Tech and intelligence-linked NGOs tracked narratives, created blacklists, manipulated search algorithms and fed justification for bans across every major platform. Even right now the US State Department's Global Engagement Center was training foreign governments in censorship protocols, while the UN, WHO, Google and AI coalitions were replicating it worldwide. Trump's Global Military Alliance was ending all that as they released the Global Currency Reset and gave The People's money back to The People. As Q would say, “Hold the Line. Prepare. Trust The Plan.” Portions of WHAT WE THINK WE KNOW AS OF WED. 4 JUNE 2025: · On Mon. 16 June 2025 Project Odin: Worldwide Blackout,(Of MSM communications) Martial Law, Arrests, Global Currency Reset, Call To Fast And Pray, Freedom From Debt To The Deep State Cabal …Julian Assange, Deep State Exposed on Telegram More on the War · On Fri. 20 Jun. 2025 Worldwide Emergency Alert: US Military Stationed in 360 Cities Anticipating a Supreme Court Announcement on the Brunson Voter Fraud Case, Which Would Dissolve Congress & The Biden Administration. …Julian Assange, Deep State Exposed on Telegram · The US Military & DC Police Preparing To Evacuate Washington DC · The Global Military Alliance Arresting & Holding Military Tribunals on Over Half a Million Deep State Cabal Political & Global Elites. · CIA, FBI, Homeland Security, Biden & Democratic Party were suspected to be connected to attempted Trump Assassinations & Child Sex Trafficking. · Tues. 3 June 2025 The FBI has announced they are CRACKING DOWN on physicians mutilating children by trans-ing them via “gender affirming care.” The FBI is asking the public to report tips of any hospitals, clinics, or practitioners performing these operations on children to call: 1-800-CALL-FBI · Thousands of Children Crossing the US Border Sold into Child Sex Trafficking To Fulfill High Ranking Pedo Congress & State Official's Requests, as per Intelligence Sources. · Tues. 3 June 2025 Kash Patel is sounding the alarm on the Federal Reserve! He's urging everyone to wake up and realize the Fed isn't a public institution—it's a PRIVATE entity! Run by the elite robber barons who built this, they're rigging the currency game for their own gain! · Tues. 3 June 2025 Ben Fulford on Telegram: Trust The Plan. Pending: World War III, Sky Event. Global Financial Armageddon: Collapse of Nine Nation's Currencies Including the US Fiat Dollar. EBS, Martial Law, Mass Arrests, Blackout. 34 Satanic Structures Will Be Destroyed. Mossad Media Satellites Will Be Knocked Out. World Will Transition to Tesla Free Energy. 209 Nations Global Currency Reset To Gold/Asset-Backed Sovereign Currencies. Millions Of Tortured Children Have Been Pulled Out of Deep State Underground Tunnels. Dark To Light Checkmate! Worldwide Call To Fast And Pray. God Always Wins · Tues. 3 June 2025 Situation Update (video): We The People NEWS · Tues. 3 June 2025 Situation Update: Byington Bombshell Report: Militaries at Defcon 1; Israel to Attack Iran; Prepare for GCR & Worldwide Blackout, Elite Forces Targeting Child Sex Trafficking | Politics | Before It's News · Tues. 3 June 2025 Situation Update (video): Restored Republic via a GCR: Update as of June 3, 2025 – The US Military News · Tues. 3 June 2025 Situation Update: BOOM! Judy Byington Bombshell Report: Red Alert. Nuclear World War III Imminent. As Massive NATO-Backed Ukraine Strikes On Russian Airbases & Trains. . . - amg-news.com - American Media Group · Mon. 2 June 2025 Situation Update (video): Judy Byington: Un-Redacted: All Militaries At A DefCon 1 Level For The Reset. Russia Puts Nuclear Forces On High Alert. Prepare For A Worldwide Blackout! Special Intel Report (Video) | Alternative | Before It's News B. POSSIBLE TIMING: · Window from Sun. 1 June to Sat. 7 June 2025 for the Emergency Broadcast System Alert. The EBS was armed and awaiting green light. Civilian lockdown drills in Phoenix, Atlanta, and Philly were EBS deployment prep. Once triggered, the Deep State's comms will go dark. Military tribunals and elite confessions will flood every screen. · At 3:03 EST on Tues. 3 June 2025 Operation Odin (QFS) was fully activated, EBS deployed through Star Link, banks closed, currencies cancelled, Sovereignty restored, codes active, accounts open, their system will freeze, yours will open. …Trump Family Channel, The 17th Letter (JFK Jr.), Julian Assange, Ben Fulford, WH Grampa on Telegram · Wed. 4 June 2025: Public Rollout of the GCR. …Iraqi Parliament, Matt Wallace on Telegram · From Thurs. 5 June to Mon. 9 June 2025 the Tier4B window would be open. Internal banking advisories indicated public redemption will begin regionally, based on QFS load-balancing and readiness reports. · From Tues. 10 June to Fri. 13 June 2025 all Tier4b appointment notifications were to be completed. · Wed. 11 June Iraq set to make public announcement of the Dinar Revaluation (the end of a 5 day holiday), with international rate set at $4.81 Iraqi Dinar to $1.00 USN. · From Sat. 14 June 14 to Tues. 17 June 2025 the General Public rollout was set to happen, with the Sat. 14 June U.S. Army's 250th Anniversary Parade at the National Mall serving not just as a celebration — but as confirmation that America was back under Constitutional Rule. · Around Sun. 15 June 15 and Mon. 16 June 2025 expect minor banking downtimes, signaling the final switchover to full QFS integration. · On Mon. 16 June 2025 Project Odin: Worldwide Blackout, Martial Law, Arrests, Global Currency Reset, Call To Fast And Pray, Freedom From Debt · On Wed. 18 June to Sat. 21 June 2025 the Global Access Phase would begin for Tier 5, the General Public who hold foreign currencies to exchange. · On Fri. 20 Jun. 2025 Worldwide Emergency Alert: US Military Stationed in 360 Cities Anticipating a Supreme Court Announcement on the Brunson Voter Fraud Case, Which Would Dissolve Congress & The Biden Administration · Fri. 4 July 2025: Public rollout of Global Currency Reset. · Wed. 9 July 2025 was the Back Wall for the Global Currency Reset to occur optically. …Jon Dowling, Iraq C. GLOBAL CURRENCY RESET: · At 3:03 EST on Tues. 3 June 2025 Operation Odin (QFS) was fully activated, EBS deployed through Star Link, banks closed, currencies cancelled, Sovereignty restored, codes active, accounts open, their system will freeze, yours will open. …Trump Family Channel, The 17th Letter (JFK Jr.), Julian Assange, Ben Fulford, WH Grampa on Telegram · Tues. 3 June 2025 Iraqi Parliament: The Iraqi Parliament must first pass the 2025 budget tables. That vote is scheduled for 11 AM EST on June 4. Once the budget clears, CBI's narrative constraints dissolve, and a live IQD/USD quote of $4.81 IQD to $1. USD becomes inevitable. · Tues. 3 June 2025 MarkZ: “I have a number of Bond Contacts who are very excited that things will happen this week. They won't give specifics, but are very excited.” Tues. 3 June 2025 BRUCE: · At 11 am EST Mon. 2 June all aspects of NESARA were implemented · The big banks were put online with the QFS as of 6 pm Mon. night 2 June 2025. · Certain cases were being heard by the Supreme Court. As a result Tier4b should get notified either Fri 6 June or Sat 7 June of this week to make appointments. · An important announcement over the EBS will be aired soon. · A head of a Redemption Center in Bruce's area will not go in to work until Fri. 6 June. · On Mon. 2 June at 6 pm EST a code was put in for every currency (over 100 currencies). · The ZIM, the Dinar Contract Rate and higher currency rates are only available through Redemption Centers. · You need to get an appointment at a Redemption Center through a 800 number. · Redemption Centers will only be open for about 15 days after the 800 numbers come out. · After Redemption Centers close ZIM can only be redeemed at Wells Fargo and Chase. · Tues. 3 June 2025 Gold Law Creator Breaks Silence: https://beforeitsnews.com/blogging-citizen-journalism/2025/06/breaking-the-one-video-banksters-dont-want-you-to-see-gold-law-creator-breaks-silence-2659026.html D. Tues. 3 June 2025: 3:03 pm EST GCR ACTIVIE: · The Trump Family's Channel: DONALD TRUMP HAS JUST ACTIVATED EBS MISSION COMPLETED Just when we thought we had seen it all, the world is shaken once again by shocking news—and this is only the beginning. OPERATION ODIN is now ACTIVE. EBS has been deployed through STARLINK. A global broadcast is imminent. Prepare for full disclosure. What will happen next will shock the world. The channel will be temporarily closed during the classified briefing. The information set to go public on 06/10/2025 will lead to the arrest of prominent political figures from the Democratic Party. · Med Beds: AT 03:03 PM EST, THE FIRST WAVE WILL BE TRIGGERED SILENT CODES WILL GO ACTIVE ACCOUNTS WILL OPEN THEIR SYSTEM WILL FREEZE YOURS WILL UNLOCK · The 17th Letter, Julian Assange, Fulford: AT 03:03 PM EST, THE OLD WORLD WAS SHUT DOWN BANKS CLOSED CURRENCIES CANCELED SOVEREIGNTY RESTORED THIS IS NOT A RUMOR THIS IS THE OPERATIONAL PHASE AND YOU'RE EITHER INSIDE THE GRID — OR LEFT IN THE DARK · The 17th Letter, Julian Assange, Fulford: AT 03:03 PM EST, THE FIRST WAVE WILL BE TRIGGERED SILENT CODES WILL GO ACTIVE ACCOUNTS WILL OPEN THEIR SYSTEM WILL FREEZE YOURS WILL UNLOCK · WH Grampa: AT 03:03 PM EST, QFS WENT FULLY ACTIVE NO MORE SECRETS NO MORE CHAINS NO MORE MIDDLEMEN EACH POST IS A SIGNAL EACH CODE IS REAL IF YOU'RE SEEING THIS — YOU WERE MEANT TO E. Tues. 3 June 2025: Sun. 1 June 2025: THE FINAL STRESS TESTS ARE COMPLETE — QFS GOES GLOBAL NEXT …Matt Wallace on Telegram · Over the last 72 hours, I've received confirmation from 3 separate banking insiders: all systems tied to the new sovereign QFS network passed their final validation protocols. · Biometric access nodes were stress-tested at 10,000+ concurrent logins · Real-time cross-border test transfers completed in under 1.8 seconds · Regional nodes across 12 countries returned 100% success rates under military oversight · This isn't theoretical anymore. It's done. The tech works. The funding is mapped. The codes are locked. · The reason they've delayed the public rollout until July 4? Coordination. Security. Timing. You don't turn on the new financial system mid-chaos — you wait until every actor is boxed in, every backdoor closed. · The military is now watching every central bank channel. They've seized key data centers in Switzerland and Singapore. · Q phones were activated for Tier 1 comms. This is a controlled ignition — and it's going to change the planet. Get ready. F. Tues. 3 June 2025: BREAKING – SNOWDEN: NESARA IS ACTIVE, QFS DETONATED, TRIBUNALS RUNNING 24/7, GLOBALIST SERVERS SEIZED, AND THE FINAL EBS BROADCAST IS LOCKED …Edward Snowden on Telegram · Edward Snowden just dropped a nuclear warning: NESARA is LIVE. Trump has unleashed $10 TRILLION into the Quantum Financial System. GITMO is overflowing. Tribunals are operating day and night. Deep State financial servers across Germany, Austria, and Switzerland have been seized by Space Force. And the EBS broadcast? It's finished, encrypted, and seconds from going global. · Snowden's alert isn't subtle. This is an irreversible takedown of the globalist parasite class. The fake Biden shell is still being paraded in front of cameras while Trump runs military-grade restoration ops with full Space Force integration. Snowden confirmed: every major central bank's server mirrors have been ripped offline. Rothschild, IMF, BIS — digitally neutralized. · The Quantum Financial System isn't theory. It's deployment. $10 trillion is now locked into QFS infrastructure, guarded in encrypted relay nodes beneath U.S. bases. Each dollar carries biometric clearance. Every transfer is tracked. No laundering. No escape. Snowden warns: globalists are being stripped of their blood-money pipelines. · Tribunals are LIVE. GITMO doubled in size. Flights from Europe and Africa are bringing in high-value Deep State prisoners under military guard. Executions have begun. Black sites flipped. Justice is being delivered by the JAG corps under NESARA codes. · Snowden's internal leaks prove: every "celebrity death" you're seeing is a cover op for executions. Klaus Schwab didn't retire. He was seized. Macron is missing. Zelensky gone. The dominoes are falling. · Federal purge underway. Over 50,000 traitors have been replaced with QFS-cleared patriots. DOJ, NIH, FEMA — all under forensic quantum audit. Trump's sleeper agents are now activated. The infiltrators are gone. · Gold has been moved. Snowden confirms tons of gold have been relocated from Vatican and Rothschild vaults to U.S. territory, shielded by biometric gates. These aren't banks. They're economic stargates — aligned to NESARA frequencies. · The EBS broadcast is the final blow. Quantum-patched towers, Tesla-based mobile relays, encrypted satellites. Trump, Flynn, and the generals are ready to unleash the message. Snowden says: once the switch flips, the illusion dies. · NESARA is law. The Republic is restored. The storm isn't coming. The storm is HERE. And when EBS activates —THEY BURN. G. Mon. 2 June 2025: THE NEW GLOBAL QUANTUM FINANCIAL SYSTEM …QFS on Telegram · The signing of a historic treaty by 209 nations marks the beginning of the greatest financial transition in modern history. The world is about to witness the birth of a new, fair, and gold-backed financial system under GESARA. · For decades, global currencies were manipulated to serve the few. Countries were trapped in cycles of debt, with their wealth extracted through central banks and fiat deception. That ends now. · The treaty also unlocks a Prosperity Fund to finance humanitarian projects worldwide—schools, hospitals, clean water, housing, and restoration. · A Wealth Redistribution Program will ensure that every individual on Earth receives a share. Not just countries, but people. Every QFS account is linked to the individual owner's biometric ID. Every transaction is instant, uncorrupted, and untraceable by outside forces. · The Stellar Network opens access to secure digital wallets, even in the most remote corners of the world. Individuals no longer need permission from corrupted systems to participate in the global economy. · QFS debit cards, secured by biometric verification and quantum encryption, are replacing them permanently. No more fraud. No more hidden fees. No more theft disguised as bank · The Quantum Internet is a new infrastructure immune to hacking, censorship, or surveillance. · Military units are now overseeing the logistics, security, and data coordination of the RV rollout. Secure transport of physical currency, protection of financial institutions, and quantum-level fraud prevention systems are already in motion. · All of it is being done in tandem with international regulators to ensure lawful transition. Training has been underway for months. Financial authorities, central bank whistleblowers, and White Hat insiders are guiding the shift. Military intelligence teams are tracking illicit money flows and freezing cabal assets as we speak. · The old system is disintegrating as banks collapse, payment giants are stripped of power, and corrupt financial elites are being dragged to military tribunals at GITMO. Executives are being removed, their wealth seized, and their crimes archived as evidence for tribunals that are already underway. · The banks were engines of global exploitation. Deutsche Bank, HSBC, JP Morgan—names that laundered trillions for the cabal—are being neutralized. The days of VISA, Mastercard, PayPal, and Stripe exploiting humanity are ending. Everything you knew about money, credit, and ownership is being rewritten from the ground up. · The treaty signed unlocks the revaluation of currencies: some down, but some up like the Iraqi Dinar, Vietnamese Dong, and Zimbabwe ZIM. H. Tues. 3 June 2025: EXPOSED: THEY USED YOUR MONEY TO DESTROY TRUMP AND SILENCE THE TRUTH …Quantum Financial System on Telegram · The regime's war on the American people is no longer hidden. Documents now confirm what many feared — a foreign-based operation, funded by U.S. taxpayer dollars, was weaponized to shut down Trump's voice, bankrupt conservative media, and control everything you see. The Global Disinformation Index (GDI), based in the U.K. and backed by the National Endowment for Democracy, received millions under the pretense of fighting foreign disinformation. But its real target was domestic — President Trump, the America First movement, and any media outlet that didn't align with the globalist narrative. · From 2021 to 2023, over $1.25 million was funneled to GDI's U.S. arm, AN Foundation. Their mission? Label conservative voices “high risk,” blacklist them from advertising, and destroy their financial infrastructure. Newsmax, Daily Wire, New York Post — all flagged, censored, and cut off from funding. The result? Over $100 million in ad revenue lost in just 15 months. The goal wasn't media reform. It was coordinated political sabotage — designed to erase truth by starving it. · Trump wasn't just censored — he was targeted in a global operation involving GDI, the SPLC, Big Tech, and intelligence-linked NGOs. These groups didn't just track narratives — they created blacklists, manipulated search algorithms, and fed justification for bans across every major platform. All of it approved behind closed doors, protected under the illusion of “saving democracy.” What they really built was a digital guillotine — and you were the target. · This wasn't just a domestic plot. The same suppression models are now being exported globally. The State Department's Global Engagement Center is training foreign governments in censorship protocols. The UN, WHO, Google, and AI coalitions are replicating it worldwide. What started as “fact-checking” has evolved into total narrative control. What they couldn't kill with bullets, they now bury with algorithms. But the exposure of GDI cracks the system wide open. The question now isn't whether this is happening. The question is how much longer the people will tolerate it. RESTORED REPUBLIC: I. Sun. 1 June 2025: Global Military Alliance …They branded me a traitor. History will call me a hero. Stay in the know: Edward Snowden on Telegram https://t.me/EdwardSnowdenTG Dan Bongino https://t.me/+rcuTwXjELas3OGE0 · Antarctica's frequency weapon grid — SEIZED. The U.S. Navy stormed the ice-locked mind-control base maintained by Deep State loyalists. Trump's forces now control global scalar frequencies. The mind-control net has collapsed. · Red auroras spotted above key military bases are NOT natural. These are scalar pulse signals, confirming planetary frequency transfers to Alliance control. The final stage is locked in. · Bioweapon threats have been intercepted. Field hospitals in Denver, Dallas, and Jacksonville are now military-grade bio-containment zones. The Deep State's virus, engineered to wipe out Trump loyalists, has FAILED. · The QFS is now the firewall. Under Trump's directive, military cyber forces launched CODE BLACK lockdowns across global banking hubs. Swiss, British, and Japanese banking networks are now under covert Alliance control. · CBDC networks have been compromised — not by us, but by their creators. Trump's forces turned their systems against them. Their digital weapons backfired. · The Emergency Broadcast System is armed and awaiting green light. Civilian lockdown drills in Phoenix, Atlanta, and Philly are EBS deployment prep. · The window for EBS Alert: June 1–7, 2025. · Once triggered, the Deep State's comms will go dark. Military tribunals and elite confessions will flood every screen. You won't miss it. · This is controlled demolition of the Deep State. Trump's war is precision. Every leak, every seizure, every arrest has been engineered to collapse their global structure without panic. · HOLD THE LINE. PREPARE. TRUST THE PLAN. GITMO ISN'T FULL YET — BUT IT WILL BE. It has moved from above ground to an underground fortress A portion of J. WARS AND RUMORS OF WARS: · Mon. 2 June 2025: BREAKING! COLD WAR 2.0: RUSSIA'S NUCLEAR FORCES ON FULL HIGH ALERT — STRATEGIC SILOS ACTIVATED, WARHEADS ON THE MOVE [REAL FOOTAGE] - amg-news.com - American Media Group · Mon. 2 June 2025: BREAKING MILITARY BULLETIN: “DISPROPORTIONATE RETALIATION” — U.S. INTEL WARNS OF IMMINENT RUSSIAN STRIKE AS THE KREMLIN PREPARES TO MAKE A GLOBAL STATEMENT - amg-news.com - American Media Group ….K. Tues. 3 June 2025: NEW GERMAN CHANCELLOR FRIEDRICH MERZ'S government is actively undermining President Trump and President Putin's peace efforts, through a purposeful escalation of tensions between Germany and Russia. …SGAnon on Telegram · Specifically, these include Germany's current proclaimed military pursuits, and the participation of German military/paramilitary advisors in hostilities against Russia on the Ukrainian battlefields. · Russian representatives have gone so far as to call for a direct strike on Germany, at the manufacturing site of its Taurus-class missile, using 2 Russian Oreshnik ballistic-missiles. Because they gave the Ukrainians permission to use their top missiles against the Russians. L. Tues. 3 June 2025: BREAKING: PENTAGON CODE BLACK | CHINA GEARING FOR WAR | HEGSETH: “THE THREAT IS REAL. IMMINENT. TOTAL.” …Carolyn Bessette Kennedy on Telegram · U.S. Defense Secretary Pete Hegseth has triggered full-scale alarm. No more diplomacy. No more vague warnings. Just five explosive words: “The threat from China is imminent.” This is not theory. It's not analysis. It's a wartime command — and it just ripped through the Pentagon like a missile. · China mobilizing. is Intel confirms a mass troop buildup along China's eastern seaboard – Naval formations near Taiwan – Ballistic missile prep – Full-scale cyber attacks on U.S. and Pacific infrastructure · This is not military theater. It's pre-invasion coordination. Taiwan is first. South Korea, Japan, and the Philippines are next. The Pentagon's classified chatter? Simple: “If Taiwan falls, the Pacific is gone.” · Trump knows China's endgame: total control of the Pacific. And Russia, Iran — they're in on it. I believe China was shut down by the Supreme commander of heavens hosts of angels. · Hegseth is more than Secretary of Defense. He's the wartime voice of survival. His order: “Asian allies must increase defense spending NOW. Not later. Not next year. NOW.” Translation: Act or die. · JAPAN, PHILIPPINES, SOUTH KOREA. THIS IS YOUR LINE IN THE SAND – Japan escalates air patrols – Philippines request U.S. rapid-response teams – South Korea activates full joint-readiness drills. Hegseth's message to them: “Defend your sovereignty — or kneel to the red dragon.” What they cant do God can. · China's not just a nation. It's a four-headed hydra: – Digital warfare – Cultural subversion – Economic strangulation – Military dominance. The only counter: overwhelming hard power. Not words. Not promises. Weapons. Troops. Steel. Fire. · WHAT HAPPENS IF CHINA STRIKES TAIWAN? The next 72 hours would rewrite human history. – Will the U.S. retaliate? – Will Japan launch preemptive strikes? – Will NATO defend democracy — or retreat again? Tick. Tock. NATO and Communist China are DS, while Xi is in the alliance. Hegseth detonated the lie. “We must be ready. Not later. NOW.” …OPERATION HELLSTORM: RUSSIAN FORCES EXPOSE ISRAELI CHILD TRAFFICKING TUNNELS IN UKRAINE May 2025 — Behind collapsing Ukrainian lines, Russian Special Forces uncovered a grotesque international child trafficking network hidden in fortified tunnels disguised as “humanitarian aid sites.” Underground labs. Blood extraction chambers. Shipment crates labeled for “diplomatic transport.” Hundreds of sedated children rescued. Israeli operatives killed on site. · THE MONSTER UNDERGROUND This wasn't just war. This was ritualized, industrialized harvesting of children. The tunnels ran beneath civilian infrastructure and were packed with biometric security, medical chambers, and occult symbols. Some children were barcoded. Others tagged chemically. It was a human supply chain. · Russian forces, tipped by thermal scans and NATO flight path anomalies, launched OPERATION HELLSTORM—a classified strike mission that uncovered biometric databases, encrypted payment routes, and shipment logs linked to Zurich, Singapore, and New York. · Inside the tunnels: Israeli IDs. Satellite comms. Evidence of chemical harvesting. · A GLOBAL BLACK BUDGET NIGHTMARE Files seized connect this operation to satellite facilities outside Tel Aviv. NGOs, U.N. corridors, and humanitarian fronts were used as cover. Encrypted logs revealed client lists and medical extraction protocols. This wasn't just trafficking—it was bio-harvesting at scale. · Three diplomats resigned within 72 hours. Servers were fire-wiped. Israeli security was immediately ramped up around biotech research hubs. · THE MEDIA EXPOSES THE TRUTH BLACKOUT Western press is dead silent. ,.. M. THE REAL NEWS FOR TUES. 3 JUNE 2025: · Mon. 2 June 2025: BREAKING: FLIGHT ATTENDANT EXPOSES BRIGITTE MACRON — SHOCK FOOTAGE ALLEGEDLY PROVES FRANCE'S FIRST LADY IS BIOLOGICALLY MALE AND ACCUSED OF SEXUAL PREDATION - amg-news.com – All of the DS/Khazarians must be perverts. Satan has ordered it. N.· High-level NYPD sources CONFIRMED the existence of a Hillary Clinton sex tape involving Huma Abedin and a minor. Agents described the footage as “sickening”… · Weiner's laptop is a digital crime scene. Buried in it: a folder labeled “life insurance,” containing shocking footage and emails exposing a Washington child-sex ring linked to the Clintons, the DNC, and globalist elite power structures. · A secret NYPD unit has been preparing the takedown…. The Clinton Foundation, described by former FBI Assistant Director James Kallstrom as a “cesspool of organized crime,” has blackmailed its way out of accountability for decades. That ends NOW. · Kallstrom revealed it plainly: “The Clintons are a crime family. Sexual abuse, blackmail, cover-ups — that's their currency.” Bill, a serial rapist. Hillary, a pathological liar and child predator. Their control over the DOJ, the CIA, and even foreign intelligence networks is not accidental — it's strategic. · This isn't just DC. It goes deep into MI5 and MI6. · This is a Syndicate. A Satanic Cabal. It hates God, hates you, and feeds on the innocent. · The Clinton ring was NEVER shut down. It simply went quiet. The moment is coming when the tapes will be seen. The arrests will be real. And GITMO will finally fill. Tick. Tock. Some of their handiwork:  COVID/ VAX/ EBOLA/ SWINE FLU/ POLIO/ SMALL POX/ BSE/ ZIKA/ SARS/ MONKEY POX/ BSE/ Zika/ AIDS/ VAX/ H1N1/ AIDs/ GRAPHENE OXIDE/ CHEM TRAILS/ FLUORIDE/ PROCESSED FOODS/ HUMAN CLONES HOAXES: · Mon. 2 June 2025: JUST IN: RFK JR. EXPOSES DARPA'S ROLE IN CHEMTRAIL WEATHER WEAPONS — MILITARY SECRETS LEAKED [VIDEO] - amg-news.com - American Media Group · Tues. 3 June 2025: Strokes are rising among younger adults, with CDC data showing a 14.6% increase in ages 18–44 from 2020 to 2022. Doctors say they've never seen so many young stroke patients. …@GeneralMCNews on Telegram P. Tues. 3 June 2025: Dr. THORP testified before Congress with evidence researchers KNEW mRNA covid vaccines entered the placenta of pregnant women, caused miscarriages, still births, premature deaths, and then DESTROYED 60% of the ovarian reserve …White Hats on Telegram · Crimes Against Humanity. This was population control “On February 8, 2025, our team of researchers published a peer reviewed study in Science, Public Health Policy, and the law. · We identified 37 adverse pregnancy outcomes significantly associated with COVID 19 vaccine, including miscarriage, stillbirth, birth defects, cervical insufficiency, premature rupture membranes, preterm birth and death of the newborn. · Lynn and colleagues, in a major journal publication, documented that the COVID 19 vaccine traverses the placenta, enters the fetal blood, and bio-actively produces spike protein in the placenta and the lining of the uterus. · Recently, animal studies revealed the MRNA COVID vaccine causes the destruction of 60% of the ovarian reserve in rats.” The War goes on but by the grace of God, the Alliance has all they need to decapitate the DS/Khazarian enemy.

Celso Otero, gestor de fondos de Renta 4, repasa las cotizaciones de Dollar Tree, Wells Fargo, Tesla y CrowdeStrike.

In this Alternative Allocations podcast episode, Christine and Tony discuss the evolving landscape of high-net-worth client demands, particularly their growing interest in alternative investments. Christine emphasizes the importance of advisors developing a strategic approach to alternatives, including the need for client education and the role of IWI in providing training and resources. The episode also highlights the challenges and benefits of incorporating alternatives into investment strategies and the rise of specialized teams in wealth management. Christine Gaze, CFP®, CIMA,® is the Founder and Managing Partner of Purpose Consulting Group, where she leads the development of innovative practice management programs that empower financial professionals to grow with purpose. Christine has held a variety of influential leadership roles across the financial services industry, including Head of Practice Management at TD Ameritrade, Managing Director of Professional Development at AllianceBernstein, National Sales Manager for Lending at Prudential Securities (now Wells Fargo), and Executive Director at Morgan Stanley. Christine specializes in research-driven insights and custom content that drive measurable business results. Purpose Consulting Group's signature program, Planning with Purpose™, equips advisors with the knowledge and confidence to make wealth planning central to their practice. Christine also leads development of the annual Changing Fee Landscape guide, the industry's go-to resource on financial planning fees. She has published a variety of white-label programs on high-performing teams, intergenerational wealth transfer, advanced planning advice for high-net-worth clients, and longevity planning. Passionate about lifelong learning and giving back, Christine also serves on several professional and community boards including The Community Fund of Darien and the Investments & Wealth Institute, where she is currently Board Chair. She lives in Darien, CT with her husband and two college-age children, and is always up for an adventure — especially if it involves hiking, biking, or discovering great food. Enjoying Alternative Allocations? Please take a moment to rate and review us. Your feedback helps us deliver more insightful episodes on alternative investments! Resources: Christine Gaze, CFP(R), CIMA(R) | LinkedIn Investments & Wealth Institute: Posts | LinkedIn Alternatives by Franklin Templeton Tony Davidow, CIMA® | LinkedIn

AP's Lisa Dwyer reports that the Fed is lifting restrictions on Wells Fargo over its fake-accounts scandal.

My guest is Dr. Mary-Frances O'Connor, PhD, Professor of Clinical Psychology and Psychiatry at the University of Arizona and a world expert on the science of grief and loss. We discuss what happens in the brain and body when we grieve, the role of dopamine and yearning in the grieving process, the health risks of getting stuck at particular stages of grief and how to move through loss while also deeply honoring the person, animal or thing that is no longer with us. Dr. O'Connor explains that grief involves cycling back and forth between protest and despair (often guilt and anger too) and explains science-supported ways to move through that process in the healthiest possible way. Everyone experiences grief and loss at some point. Dr. O'Connor provides valuable knowledge and tools to help you navigate grief under any circumstance. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Wealthfront**: https://wealthfront.com/huberman BetterHelp: https://betterhelp.com/huberman Helix Sleep: https://helixsleep.com/huberman Function: https://functionhealth.com/huberman **This experience may not be representative of the experience of other clients of Wealthfront, and there is no guarantee that all clients will have similar experiences. Cash Account is offered by Wealthfront Brokerage LLC, Member FINRA/SIPC. The Annual Percentage Yield (“APY”) on cash deposits as of December 27,‬ 2024, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to partner banks where they earn the variable‭ APY. Promo terms and FDIC coverage conditions apply. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Timestamps 00:00:00 Mary-Frances O'Connor 00:02:22 Grief vs Grieving; Love & Bonding, Gone Yet Everlasting 00:07:42 Sponsors: Wealthfront & BetterHelp 00:10:29 Sudden vs Slow Death, Attachment, Reframing Relationship 00:14:52 Religion, Integrating the New Relationship 00:20:46 Yearning, Dopamine, Brain, Addiction 00:27:58 Culture & Grief Literacy; Protest, Despair & Hope, New Relationships 00:40:09 Sponsors: AG1 & Helix Sleep 00:43:21 Protest, Despair & Transmutation; Changing Attachment Hierarchy 00:52:04 Bereavement Support, Medical Risk 01:05:27 Culture, Alcohol & Death; Dying of a Broken Heart, Medical Risk 01:13:40 Sponsor: Function 01:15:28 Navigating Grief, Emotions & Body, Tool: Progressive Muscle Relaxation 01:23:57 Grief Stages; Permission & Coping, Judgment & Guilt; Lessons from Grief 01:35:44 Grieving Suicide, Rumination, Tool: Shifting Environment 01:47:24 Belief Systems, Religion & Grief 01:54:17 Afterlife, Contemplating Death 01:58:35 Tools: Contemplating Death; Life Celebration, Terror Management, Empathy 02:07:46 Mental Oscillation, Dual Model of Bereavement 02:14:00 Avoidance; Remembering a Loved One, Resilience; Getting Worse & Seeking Professional Help 02:22:15 Time Perception & End of Life, Motivation & Energy 02:30:01 Zero-Cost Support, YouTube, Spotify & Apple Follow & Reviews, Sponsors, YouTube Feedback, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on the Woody and Wilcox Show: Woody's open house mix up; Blind woman has an interesting ride share experience; Woman lives to 108 years old; Don't urinate on jelly fish stings; Wells Fargo fires mouse jigglers; Woman divorces husband over tightening jars; And more!

Donald Trump claims his tariffs will bring back good manufacturing jobs and help to reindustrialize the United States, but all the evidence suggests this will fail, because he has no coherent industrial policy, is gutting the state's capacities, and refuses to challenge Wall Street. Ben Norton explains how the US economy was financialized, and what it would take to truly revive industry. VIDEO: https://www.youtube.com/watch?v=GxWBnA_bQN0 Topics 0:00 (CLIPS) Intro 1:07 Trump's tariffs 2:09 Wells Fargo study 3:23 Industrial policy 3:51 China's industrial policy and planning 6:49 Biden's half-baked attempt 8:00 Survey: US manufacturing is not coming back 11:08 Tariff revenue was paid as subsidies 11:43 US government debt and deficit 12:28 Contradictions in tariff policy 13:25 Data on deindustrialization of US economy 15:45 The American System 18:44 Abraham Lincoln 19:13 Henry Clay 19:26 (CLIP) Trump on Henry Clay 19:59 (CLIP) Trump invokes the American System 20:22 Trumpism = Reaganism + protectionism 20:47 Financialization of US economy 21:20 Trump's tax cuts on the rich 21:55 Corporate incentives 22:43 GE and Boeing 23:28 Wall Street 24:24 US Commerce Secretary Howard Lutnick 25:41 (CLIP) Howard Lutnick on factory jobs 26:46 Manufacturing jobs 27:33 Views on manufacturing in USA 28:22 Lack of skilled labor in USA 29:01 Apple 29:42 (CLIP) Apple CEO Tim Cook on China 32:09 Wages in China 33:50 Vietnam and market socialism 35:37 Elon Musk and Tesla 36:57 US oligarchs 37:39 Policy proposal for reindustrialization 39:52 Challenging capital 40:38 Neoliberal globalization 42:31 Trump's tax policy helps rich, hurts poor 44:52 Outro

Cramer explains why a rebound in M&A and IPOs is good for these financial stocks. Become a CNBC Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks as they talk candidly about the market's biggest headlines. Signup here: cnbc.com/morningtake CNBC Investing Club Disclaimer

Another day, another business closure in Portland – because apparently asking employees not to fear for their lives is too much to expect from city leadership. Next Level Burger's CEO made the "radical" decision to close their West Burnside location after what he described as a "kill or be killed" situation with an unhoused individual on April 29th. The restaurant joined the growing exodus from the area, following Wells Fargo, Verizon, and Chipotle – all citing the same safety concerns that officials pretend don't exist.We break down the CEO's candid admission about the impossible choice between protecting staff and staying open, the pattern of theft and violence that led to this tipping point, and how Portland's policies have created a business graveyard near Providence Park. We also explore the "impossible trinity" of homelessness policy and why throwing more taxpayer money at the problem isn't working.Is anyone surprised that businesses are fleeing when city leaders prioritize everything except public safety? How many more closures will it take before Portland admits their approach has failed?Hit subscribe if you're tired of politicians gaslighting us about "progress" while our communities crumble. Like and share to spread the word about what's really happening in Portland.

Learning about the banking and mortgage industry can help you reach your dreams of becoming a homeowner. In this month's episode, I'm sitting down with three lovely ladies who are striving to make positive changes in gaining access to homeownership, financial education, and inclusive leadership. Grab your cafecito and join us in this lovely conversation.   Meet The Leaders Latonia Donaldson, SVP National Director of Multicultural Lending, PrimeLending Dr. Vanessa Montañez, SVP, Head of Community Lending, CityNational Bank Rosario Lawrence, Area Sales Manager, Newrez Home Loan Division Humble Beginnings in the Lending Industry and Leadership Latonia started as a processor to gain an understanding of the banking industry, then switched over to becoming a loan officer. An unexpected change happened that helped her realize the impact she was making on families achieving their homeownership dreams. This led her to transition into leadership roles with Wells Fargo, which brought her to her role now. Just like Latonia, Rosario started her banking career in 1994. Even though her first position was supposed to just help her get through college, she ended up falling in love with the industry. She decided to go down the leadership path, thanks to someone pulling her aside and showing her how it was a lucrative career that helped children. Dr. Vanessa's father accidentally guided her into business after telling her that the art major she was going for wasn't a good fit for the lifestyle she was accustomed to. After entering the banking industry, she saw how it was a powerful fuel for creating generational wealth. Seeing how transformative homeownership is for people, she joined leadership roles to ensure that the underrepresented population can continue to reach their dreams.   Challenges in Financial Leadership Roles as Minority Women Rosario shares how when there are shifts in the financial space, it impacts minorities in gaining homeownership. She becomes the voice of this demographic to ensure market shifts don't keep them from owning a home. Dr. Vanessa dives into how there have been many times she was sitting at a table and certain people would talk over her. She realized if she was going through this in her position, then how many other women of color were facing the same issue as her. Not wanting to keep being quiet about the issue, she decided she needed to be on the opposite side of the table to make positive changes for equality in homeownership. Latonia also faced the same difficulties as Dr. Vanessa. She shares how most women, no matter their backgrounds, often struggle with imposter syndrome. We're sitting at tables and when sharing our ideas, they often get ignored. But when someone else says the same thing, it becomes a great idea. This is why Latonia and the other two ladies are in the positions they are today: to stand up for rights and be a voice for those who are often underrepresented.   Mentors, Quotes, and Books Dr. Vanessa is passionate about reading and admires women who embody strength, vulnerability, and can lead with grace under pressure. She recommends Michelle Obama's book, "Becoming," and enjoys the quote, "Becoming is not about arriving somewhere or achieving a certain need, it's about the journey of continuous growth." Dr. Vanessa shares how the quote reflects that the process of growth is ongoing and contributes to one's identity. Latonia shares how she admires the CEO of TIAA, Thasunda Brown Duckett. She believes that Thasunda simplifies what it means to be a leader in the financial space while maintaining her authentic self. She's not afraid to share her journey with others and to help lift them up. Latonia's favorite quote from Thasunda is, "I rock my title, I own my character. My title belongs to my employer, my character is Thasunda Brown Duckett's ownable asset." Her favorite book is by Don Miguel Ruiz, "The Four Agreements," because it deeply resonates with her leadership style. Rosario doesn't have one person of admiration; instead, she celebrates every single person who is fighting and achieving their goals.   When you help another woman rise, we all shine. And that's how we make an impact. So, let's build each other up and shine brighter than the sun. For more great content from Teresa, connect with her on LinkedIn, join her Women Who Lead Series on Facebook, and subscribe to her YouTube channel. You can find more episodes of Women Who Lead on Spotify, Apple Podcasts, and anywhere else podcasts can be found.   This episode is brought to you in part by Venus et Fleur. Are you looking for a great way to show appreciation to family, friends, or even customers? Give them a floral arrangement they won't forget anytime soon. These beautiful arrangements make the perfect closing gift for any realtor to stay top of mind. Visit venusetfleur.com and use code “hsoa20” when ordering for 20% off.

Much like the classic plot twist in old thriller movies where the characters realize the threat is coming from inside the house, the most revealing insights about supplier tactics are coming from inside Fine Tune's own house in this eye-opening tenth episode of Buy: The Way…To Purposeful Procurement.    Co-host Rich Ham was initially reluctant to tap into his own team's expertise for this podcast series, but the guests' insight and insider knowledge proved too valuable not to share.  In this episode, Philip and Rich interview two former supplier-side executives – Alex Carlson and Angie Claeys – who are now working on the opposite side of the fence at Fine Tune, and therefore perfectly positioned to divulge the very tactics they once used against procurement teams. They are, indeed, “poachers turned game wardens.” First, Alex, a former CBRE executive and Wells Fargo procurement leader, explains how janitorial service providers deliberately underbid with limited scopes to help procurement “check the box” on savings goals. Likewise, he's seen elevator maintenance providers bill for preventative maintenance that is never performed. Just because a category of spend is managed on paper doesn't mean it's being actively managed where it counts the most, on the ground. Similarly, in the second half of the episode, Angie Claeys, former VP of Operations at Aramark, lays out the uniform industry's playbook (a notoriously complex category). Here too procurement has to watch out for “presumptive” billing that can cost the business unnecessarily if procurement isn't on top of it.  Alex and Angie's experiences on the supplier side point to a troubling dynamic: procurement's incentive structures actually encourage these nefarious supplier behaviors and, by not focusing more on ongoing cost management, procurement is inadvertently signaling to suppliers precisely how they can ‘game the system.' This episode, part one in a two-part series full of insider insights, provides an unfiltered look at the consequences of half-hearted spend management and makes a powerful case for extending procurement's influence beyond the contract. Stay tuned for part two, where Bob Schreiner and Keith Robinson expose similar tactics in security services and pest control.   Links: Alex Carlson on LinkedIn Angie Claeys on LinkedIn Rich Ham on LinkedIn Learn more at FineTuneUs.com  

From the Bay Area to breaking into investment banking—Adrian shares how he leveraged a gap year, transferred from Colgate to Georgetown, and used WSO Academy to land an offer at Wells Fargo. Hear about his early start in networking, internship hustle, and key decisions that shaped his finance journey. Whether you're at a non-target school or considering transferring, Adrian's story is packed with tips and insights to help you stand out. ------------------------------------------------------------------------------------------------------

If you had enough crypto you could have bought dinner with the President.FEATURING:Victoria Jones (https://twitter.com/satoshis_page)Thomas Hunt (https://twitter.com/MadBitcoins)THIS WEEK:  Why bitcoin has rallied to a $112,000 record high while stocks are wobblinghttps://www.marketwatch.com/story/why-bitcoin-has-rallied-to-a-112-000-record-high-while-stocks-are-wobbling-135373cfSource: Market WatchBitcoin Price Suddenly Soars As Congress Predicted To ‘Make History'https://www.forbes.com/sites/digital-assets/2025/05/18/jpmorgan-just-flipped-on-bitcoin-issues-huge-new-2025-price-prediction/Source: ForbesTrump speaks with presidential seal at crypto dinner the White House billed as privatehttps://www.usatoday.com/story/news/politics/2025/05/23/trump-presidential-seal-crypto-dinner-white-house/83814443007/Source: USA Today‘What life is this?': The crypto investors who bought a dinner with Trumphttps://www.politico.com/news/2025/05/22/crypto-memecoin-dinner-trump-warren-00360761Source: PoliticoJUST IN:

In this episode of the ‘AI in Business' podcast, Nathaniel Bell, Data Management Director at Wells Fargo, returns to discuss the evolving role of AI in risk management, compliance, and enterprise automation in banking. Host and Emerj Editorial Director Matthew DeMello and Nathaniel explore how financial institutions can balance innovation with caution as deterministic, generative, and agentic AI technologies move from experimentation to production. He goes on to outline how simple automation and deterministic models are already creating meaningful efficiencies in audit workflows and compliance reporting—areas where rules-based logic remains dominant. Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on the ‘AI in Business' podcast! This episode is sponsored by Automation Anywhere. Learn how brands work with Emerj and other Emerj Media options at emerj.com/ad1.

Elon Musk returns for unexpected second sit-down with our David Faber. The wide-ranging interview touches on xAI, securing power for AI, the battle for chips supremacy and more.  We have instant takeaways with Walter Isaacson, author of Elon Musk, for a deeper look at the man behind the headlines then Roth Capital's Craig Irwin breaks down the stock implications for Tesla and the EV space. Plus, market sentiment check with Wells Fargo's Scott Wren and Payne Capital's Courtney Garcia and Zimmer Biomet CEO Ivan Tornos from the CNBC CEO Summit.

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, who delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

Cramer discusses why the Club is trimming its stake in its largest financial holding. Become a CNBC Investing Club member to go behind the scenes with Jim Cramer and Jeff Marks as they talk candidly about the market's biggest headlines. Signup here: cnbc.com/morningtake CNBC Investing Club Disclaimer

On today's episode Rich sits down with Jack McColl “The King of Debt” - Entrepreneur, Founder of Credit Stacking, and Business Credit Coach. Jack, better known as “The King of Debt,” has been featured on Market Watch, Disrupt Magazine, Yahoo Finance, and Forbes. He is a self-made mogul who went from having zero dollars in business credit to being approved for $500,000 in a little more than a year. Jack has mentored thousands of entrepreneurs, helping them get access to hundreds of thousands of dollars of 0% interest capital to start, scale, and finance their businesses. Rich and Jack start off by discussing Jack's first episode with Rich (Episode 68), Jack's 5 week trip to South America, Columbia and kitesurfing, skydiving in Venezuela, Jack's passion for sports and hobbies, Jack's favorite automated business services, optimizing business, and Jack joining the 800 club for testosterone levels and credit scores. They then reflect on their favorite exercises, the importance of physical fitness, what it's like showering on planes, comparing first class airlines, accumulating credit card points at different banks, Jack's experience helping clients secure $150,000 0% interest business credit, the AmEx Business Gold and Platinum cards, and the Wells Fargo's Autograph Journey Card.Lastly, they talk about buying assets with business credit, the AmEx business card pros and cons, which cards Jack recommends using, the Bilt Credit Card, tools to keep track of debt payments, the Wheels Up AmEx Travel experience, Private Jets, Set Jet, Elon Musk's Starlink Satellites, Jack's big move to Utah, Rich's experience as a pilot, and Kris Krohn.Join our investor waitlist and stay in the know about our next investor opportunity with Somers Capital: www.somerscapital.com/invest. Want to join our Boutique Hotel Mastermind Community? Book a free strategy call with our team: www.hotelinvesting.com. If you're committed to scaling your personal brand and achieving 7-figure success, it's time to level up with the 7 Figure Creator Mastermind Community. Book your exclusive intro call today at www.the7figurecreator.com and gain access to the strategies that will accelerate your growth.

My guest is James Sexton, Esq., a renowned attorney specializing in contracts related to love and money—prenuptial agreements, divorce and custody. We explore the counterintuitive fact that people with prenuptial agreements tend to stay married longer and report more satisfying relationships than those who don't. We discuss how legal contracts can foster deeper understanding by encouraging vulnerability and honest communication about each partner's values and expectations. We also examine what defines true, lasting love versus generic romantic ideals—and how social media can distort our understanding of what we truly need. Additionally, we review how cultural traditions, gender dynamics, courtship length, and age at the time of marriage shape marital outcomes. This episode offers practical tools for anyone—single or partnered—to build more successful and stable relationships through deeply honest dialogue and contracts that reflect genuine values around love and money. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Wealthfront**: https://wealthfront.com/huberman BetterHelp: https://betterhelp.com/huberman Our Place: https://fromourplace.com/huberman Function: https://functionhealth.com/huberman **This experience may not be representative of the experience of other clients of Wealthfront, and there is no guarantee that all clients will have similar experiences. Cash Account is offered by Wealthfront Brokerage LLC, Member FINRA/SIPC. The Annual Percentage Yield (“APY”) on cash deposits as of December 27,‬ 2024, is representative, subject to change, and requires no minimum. Funds in the Cash Account are swept to partner banks where they earn the variable‭ APY. Promo terms and FDIC coverage conditions apply. Same-day withdrawal or instant payment transfers may be limited by destination institutions, daily transaction caps, and by participating entities such as Wells Fargo, the RTP® Network, and FedNow® Service. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Timestamps 00:00:00 James Sexton 00:02:19 Divorce & Breakups, Men vs Women, Perception; Infidelity 00:12:04 Sponsors: Wealthfront & BetterHelp 00:14:41 Contracts, Business, Marriage Celebration, Prenups 00:26:24 Nesting; Prenups, Creating Rulesets 00:33:56 Prenups & Strengthening Marriage 00:38:19 Marriage Traditions; Divorce Rates, Religion 00:44:44 First vs Second Marriages, Love & Impermanence 00:50:09 Sponsors: AG1 & Our Place 00:53:53 Contracts, Relationships & Hard Conversations 01:02:37 Marriage & Underlying Problems, Love, Successful Marriages 01:16:27 Ideals, Social Media & Advertising, Simplicity, Dogs 01:27:33 Sponsor: Function 01:29:26 Intimacy, Tool: Early Framework for Hard Discussions 01:37:06 Prenup Consultation, Legal Defaults, Reasons for Marriage 01:47:37 Alimony, Prenups & Creating Rulesets, Yours, Mine & Ours, Adultery, Pets 02:02:30 Fond Memories & Ending Relationship, Pain, Divorce 02:12:49 Social Media, Movies & Ideals, Pornography vs Real Sexual Relationships 02:22:43 Revealing Flaws, Bravery, Prenups & Expectations, Money 02:37:49 Bravery, Vulnerability, Relationship Changes, Men vs Women, Marriage 02:47:11 Relationship Sacrifices, Men & Women; Prenups, Government 02:54:45 Life Milestones, Early vs Late Marriage, Navigating Challenges 03:01:38 Courtship Period & Marital Outcomes 03:10:12 Knowing Self & Partner, Vulnerability 03:16:58 "Postnup", Rekindling or Ending Relationships, Tool: Leave a Note 03:26:41 Heartbreak & Love, Divorce; Acknowledgements 03:34:45 Zero-Cost Support, YouTube, Spotify & Apple Follow & Reviews, Sponsors, YouTube Feedback, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures

More price cuts could be coming this year. Zillow just made headlines by revising its 2025 housing market forecast, now predicting home values to drop in much of the United States. But do other top housing market forecasters agree, and if home prices fall this year, does it put you in a better position as an investor to lock down discounted deals? Dave is unpacking Zillow's new prediction, plus sharing his own take on what might happen next. This is not the first time Zillow has revised its 2025 housing market forecast. They've updated their predictions several times throughout the year, with the newest release being the most negative for home prices. Some markets in the US are even predicted to see drops of up to 10%—other markets could have price growth, while the rest of the nation struggles. What's causing the downward trend in home prices? Is it tariffs, inflation fears, signs of a recession, or just too much housing supply and insufficient demand? We're breaking it down in this episode. If you plan on buying or selling this year, don't miss this.  In This Episode We Cover: Zillow's new 2025 housing market forecast and why price declines seem likely  The best and worst housing markets for home price growth (some could fall by 10%) What Fannie Mae, Wells Fargo, and JP Morgan are predicting for 2025 home prices Is this the start of a housing market crash, or just a break for buyers? What Dave is doing now to pick up more properties as home prices weaken  And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube Apply to Be a BiggerPockets Real Estate Guest Get $100 Off BPCon 2025 Zillow Home Value and Home Sales Forecast (April 2025) Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-bonus-4 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices