In this premiere episode of "The God Hook," host Carol Costello introduces the chilling story of Richard Beasley, infamously known as the Ohio Craigslist Killer. In previously unreleased jailhouse recordings, Beasley portrays himself as a devout Christian, concealing his manipulative and predatory behavior. As the story unfolds, it becomes clear that Beasley's deceitfulness extends beyond the victims he buried in shallow graves. Listen to the preview of a bonus conversation between Carol and Emily available after the episode. Additional info at carolcostellopresents.com . Do you have questions about this series? Submit them for future Q&A episodes . Subscribe to our YouTube channel to see additional videos, photos, and conversations. For early and ad-free episodes and exclusive bonus content, subscribe to the podcast via Supporting Cast or Apple Podcasts. EPISODE CREDITS Host - Carol Costello Co-Host - Emily Pelphrey Producer - Chris Aiola Sound Design & Mixing - Lochlainn Harte Mixing Supervisor - Sean Rule-Hoffman Production Director - Brigid Coyne Executive Producer - Gerardo Orlando Original Music - Timothy Law Snyder SPECIAL THANKS Kevin Huffman Zoe Louisa Lewis GUESTS Doug Oplinger - Former Managing Editor of the Akron Beacon Journal Volkan Topalli - Professor of Criminal Justice and Criminology Amir Hussain - Professor of Theological Studies Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://evergreenpodcasts.supportingcast.fm…
BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.
BND is focused on the U.S. Banking industry and how the industry intersects with finance, technology, and economics. Topics discussed can include all types of banking products and lines of business along with strategy, marketing, management, and leadership.
The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.
This is part 19 of the crypto series. In this episode we review the upcoming crypto regulations (Stable Act and Genius Act), The Treasury sees stablecoin having a value of $2 trillion, SOFI bringing back crypto investing, Morgan Stanley adding crypto trading to E*TRADE platform, FDIC, Fed, and SEC permitting banks to engage in crypto-related activities, and crypto firms looking to get bank charters.…
This episode examines an article from Bank Director titled “Finding your lane.” There are many possible opportunities out there for banks to develop a niche. They could focus on deposits, cash management and payment channels, or various types of lending. The important thing is for banks to develop expertise in the area they wish to target. Furthermore, banks must be careful not to develop too large a concentration in one industry. A link to the article is included below. Link: Magazine Exclusive: Finding Your Lane | Bank Director…
This episode examines an article from Bank Director titled “Embracing SBA lending in difficult times.” This article espouses the opportunity that SBA lending can provide to a bank. The article also provides 5 reasons why banks hesitate to provide SBA lending. Understanding why a bank would not want to provide SBA lending is perhaps more information than recognizing the opportunity. A link to the article is included below. Link: Embracing SBA Lending in Difficult Times | Bank Director…
This episode examines an article from Bank Director titled “The cost of flawed capital decisions.” Banks use various metrics to evaluate a transaction. Some of these can include IRR, TBV, and EPS. Do these metrics tell the whole story? The authors lay out 4 foundational principles that bank executives should use when allocating capital. How banks utilize capital is critical to the overall financial performance of the bank. Bad decisions can be costly. A link to the article is included below. Link: The Cost of Flawed Capital Decisions | Bank Director…
This episode examines a recent blog post from PCBB titled “Faster Federal payments mean rising demand for real-time banking.” A recent shift in government payments could change the direction of bank strategy. Should banks focus more on payment channels and products like P2P and FedNow? A link to the PCBB blog post is included below. Link: Faster Federal Payments Mean Rising Demand for Real-Time Banking…
The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.
This episode reviews The National Automated Clearinghouse Association (NACHA) ACH report for the 1st quarter of 2025. The ACH network showed gains in standard and same day ACH during the 1st quarter. ACH payment volume rose 4.2% to $8.5 billion. The report covers a number of ACH network related statistics. A link to the 1st quarter infographic is included below. Link: 1Q25_Infographic…
This episode examines ICBA’s Advocacy in Action for the 2nd quarter of 2025. There has been a ton of regulatory changes since the Trump administration took office in January. What are the major regulatory concerns for the banking industry right now? What are community banks most concerned with? A link to the ICBA PDF document is included below. Link: top-issues.pdf…
This episode examines an article from Independent Banker Magazine titled “What makes customers trust community banks?” Community banks are built on a relationship-based business model. They are very active in their local communities. They donate money to charities, nonprofits, and other causes. They position themselves as a trusted advisor with their clients and always put the customer first. A link to the article is included below. Link: What Makes Customers Trust Community Banks?…
This episode examines a blog post from PCBB titled “Core providers beefed up tech, but satisfaction can improve.” Banks are happy with their core providers for the most part, but customer service and relationships can be an issue at times. There are many reasons why a bank would not switch their core provider but if you are thinking about switching, the blog post provides six factors to consider. A link to the blog post is included below. Link: Core Providers Beefed Up Tech, But Satisfaction Can Improve…
This episode examines the FBI’s 2024 report on Internet Crime. This report comes from the Internet Crime Complaint Center or IC3. The report shows there were over 800k+ complaints filed with losses exceeding $16 billion in 2024. The top three cyber crimes were phishing/spoofing, extortion, and personal data breaches. The report provides basic statistics and goes deeper on elder fraud and crypto fraud. Links to the report and press release are included below. Link: 2024_IC3Report.pdf Link: FBI Releases Annual Internet Crime Report — FBI…
The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.
This episode examines an article from Investopedia titled “How real people made a net worth of over $500,000.” This article espouses that anyone can achieve a net worth of $500,000 based on common starting points. The article offers core strategies and ‘easy pick-ups.’ Also discussed are some best practices and how you can build net worth through good habits and a simple investing strategy. A link to the article is included below. Link: How Real People Made a Net Worth of Over $500,000…
This episode examines an article from Independent Banker Magazine titled “How to fight AI-boosted spear phishing fraud.” Spear fishing is a type of cyberattack that involves emails, video calls, or other forms of communication carried out by fraudsters posing as a trusted colleague or boss. AI is now supercharging spear fishing attacks. 50% of all businesses have experienced fraud involving audio and video deepfakes. What can banks do to combat this type of fraud? A link to the article is included below. Link: How to Fight AI-Boosted Spear Phishing Fraud…
This episode examines an article from Independent Banker Magazine titled “How community banks are fighting AI-powered elder fraud.” Community banks are working to combat fraudsters using AI to target seniors. ICBA CRA Solutions has ramped up efforts to help community banks earn CRA credits by preventing elder fraud. Some statistics on elder fraud in 2023: 101,068 complaints, -$3.4 billion total losses, $33,915 average dollar loss per complaint, 5,920 complaints lost more than $100,000. A link to the article is included below. Link: How Community Banks Are Fighting AI-Powered Elder Fraud…
This episode examines an article from Independent Banker Magazine titled “Marketing personalization is more than adding names to emails.” Marketing personalization is about reaching a younger audience using a hyper-personalized approach. The article considers if gamification should be part of your personalization mix. It outlines avenues for personalization, which include direct mail, email, websites, and branch and call centers. In addition, how should you safeguard a customer’s privacy? A link to the article is included below. Link: Marketing Personalization Is More Than Adding Names to Emails…
This episode examines an article from The Wall Street Journal (subscription required) titled “The secrets and misdirection behind Sam Altman’s firing from OpenAI.” This article delves into questions that people have really wanted answers to such as what really happened when Sam Altman was fired by the board. Were there culture issues? Was Sam a liar? Did the board overreach? Was this typical “corporate politics”? Why was Sam rehired so quickly?…
This episode examines a recent article from Bank Director titled “Building a high-performance sales culture.” Building a high-performance sales culture focuses on three main areas that include value-based selling, coaching and continuous development, and long-term relationship building. The article also goes into the key to sales success, key metrics for a strong sales culture, and transforming your current sales culture. A link to the article is included below. Link: Building a High-Performance Sales Culture | Bank Director…
This episode examines three articles from The Wall Street Journal (subscription required), Epoch Times (subscription required), and CNBC. The Wall Street Journal article is titled “Morgan Stanley went big on DEI, and no one is happy about it.” The Epoch Times article is titled “ESG and DEI are down but not out, analysts say.” The CNBC article is titled “Game over for ESG investing due to Trump backlash? Analysts say no.” ESG and DEI are terms that have come under fire in the last few years. Companies are beginning to pull back as politics and consumers have turned against these concepts. But are they going away? A link to the CNBC article is included below. Link: Trump’s backlash isn’t 'game over' for ESG investing…
This episode examines a report from the OCC titled “OCC Quarterly Report on Bank Trading and Derivatives Activities.” This is a quarterly report issued by the OCC that reports on cumulative trading revenue of U.S. commercial banks and savings associations and bank derivative activity. This is a great report for getting statistics on derivatives. According to the report, 1,202 insured U.S. banks held derivatives, with the four largest banks holding 86.5% of all derivative contracts. Total derivative notional contracts total $186.5 Trillion. Links to the OCC press release and report are included below. Link: OCC Reports Fourth Quarter 2024 Bank Trading Revenue | OCC Link: Quarterly Report on Bank Trading and Derivatives Activities…
This episode examines a report from the OCC titled “OCC Mortgage Metrics Report.” This is a quarterly report from the OCC that reports on first-lien mortgage performance. According to the report, 97.3% of mortgages were current and performing at the end of 2024. Links to the OCC press release and report are included below. Link: OCC Reports Mortgage Performance for Fourth Quarter of 2024 | OCC Link: Mortage Metrics Report Fourth Quarter 2024…
This episode examines Bank Director’s 2025 Risk Survey and two related articles. The articles are titled “2025 Risk Survey: Cybersecurity, fraud at the forefront” and “Stemming the fraud epidemic.” Fraud emerged as the major issue in this year’s survey. Other major risk topics included cyberattacks, applying stress test data, diminishing deposit woes, strengthening BSA/AML compliance, and regulators focus on liquidity. Links to both articles and the 2025 Risk Survey are included below. Link: 2025 Risk Survey: Cybersecurity, Fraud at the Forefront | Bank Director Link: Stemming the Fraud Epidemic | Bank Director Link: 2025RiskReport-Open.pdf…
The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.
This episode examines a report from the Federal Reserve titled “2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey.” Some of the findings from the report include the revenue performance index declined, elevated debt played an increasing role in the denial of financial applications, loan approvals remained steady but applicants’ satisfaction with their lenders fell, and special topics that included physical space in which firms operate and the insurance coverage they maintain. This is part 2 covering the SBCS findings. A link to the report is included below. Link: 2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey…
This episode examines a report from the Federal Reserve titled “2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey.” Some of the findings from the report include the revenue performance index declined, elevated debt played an increasing role in the denial of financial applications, loan approvals remained steady but applicants’ satisfaction with their lenders fell, and special topics that included physical space in which firms operate and the insurance coverage they maintain. This is part 1 covering the SBCS findings. A link to the report is included below. Link: 2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey…
This episode examines a recent audit report from the Office of Inspector General inside the Department of the Treasury titled “Safety and Soundness: Failed Bank Limited Review – First National Bank of Lindsay.” The Office of Inspector General issued an initial memorandum reviewing the failure of First National Bank of Lindsay. The bank failed in October of 2024. The memorandum states, “due to deficiencies in the bank’s board oversight and internal controls and other unsafe or unsound practices allowed one or more bank employees to alter bank records and hide weaknesses in the bank’s loan portfolio from examiners.” A link to the report is included below. Link: Safety and Soundness: Failed Bank Limited Review - First National Bank of Lindsay…
This episode examines a report from the Kansas City Federal Reserve bank titled “Farm debt at Ag banks climbed in 2024.” This report provides an update on how Ag focused banks are doing with their farming clients. The report looks and how farm debt has increased over the last year, delinquency rate on farm debt, loan and deposit balances, loan to deposit ratio, and leverage capital ratio at Ag banks. A link to the report is included below. Link: Farm Debt at Ag Banks Climbed in 2024 - Federal Reserve Bank of Kansas City…
This episode examines two articles from Investopedia titled “Some applicants will have to visit social security offices to confirm their identity soon” and “Full retirement age for social security benefits changed one expert explains the shift.” Recent changes to social security may require you to go into an SSA office to prove your identity. We also look at related information posted on the SSA website. Social security adjusted the full retirement age to 67 for any individual born after 1960. Links to both articles and the SSA website are included below. Link: The United States Social Security Administration | SSA Link: Some Applicants Will Have to Visit Social Security Offices to Confirm Their Identity Soon Link: Full Retirement Age For Social Security Benefits Changed—One Expert Explains the Shift…
The Banker Next Door (BND) weekly live stream show. Strategy Room provides financial news, commentary, top stories in the business world, economic indicators, and all things banking for the week.
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