Financial Tips: Teri says ONEUNITED Bank is a real bank, not a fintech. We are FDIC-insured.

0:00This is an I Heart podcast guaranteed human. What up this J Valentine co-host of the R&B money podcast alongside my brother R&B legend tank together We've built a space for artists executives and fans of R&B music to reminisce and tell the real stories behind the music. I have no money. I was hood famous. They think you're gonna get everybody out. We lived in a project and real love came out. They hear them music and we had nothing from Smokey Robinson to Mary J. Blige. V2K to Jill Scott. If you're a super dedicated R&B fan, this is where you belong. Listen to R&B money from the Black Effect podcast network on the I Heart Radio app Apple Podcast or wherever you get your podcast. It's the US Open which means the tennis world is about to lose its mind and I'm here for every second of it. Join me, Renee Stubbs on the Renee Stubbs tennis podcast as I break it all down. The matches that matter, the drama that doesn't and the stories everyone's talking about. No cliches, no sugarcoding, just host analysts from someone who's actually been there. Coco, looking real good, her surf looks so much smoother than it has in the past.

1:03I was really happy to see Yiga back to what she looked like a couple of years ago when she was winning dominantly. Listen to the Renee Stubbs tennis podcast on the I Heart Radio app Apple Podcast or wherever you get your podcast. Doorbell prankster that tormented German resident apartment turns out to be a slug. Ding dong! Hi, I'm Kurt Brown on it. And I'm Scotty Landis. They say no news is good news. But weird news? That's bananas. Every Tuesday on our podcast bananas, we find the strangest true stories from around the world and try to understand what the hell is going on. Man rescued by firefighters after getting stuck in a phone booth trying to order a cabab. Man, you did it. You wowed me. We cover important discoveries, questionable decisions, and animals behaving exactly as badly as you know you want them to. China's first corgi police dogs in trouble again. Uh-oh, what do you do this time? He stole a sausage from a child. Classic dog stuff? That's it.

2:03With more than 400 episodes, there's always more weird news waiting for you on bananas. Listen to bananas on the I Heart Radio app Apple Podcasts or wherever you get your podcasts. Hi, I'm Michael and Perry Oli. I want to tell you about my new podcast Underground Zero. We're looking at the opportunity of a lifetime for us and the other families. It's about the aftermath of the 9-11 attacks. What's in the tunnels? Go boss of Engage. It can be worth half a billion. Starring Steve Sharipa, Ray Abruzzo, and me, Michael and Perry Oli. How far you prepared to go? Depends how far you are. Listen to Underground Zero on the I Heart Radio app Apple Podcasts or wherever you get your podcasts. On Big Lives, we take a single cultural icon. People like Jane Fonda, George Michael, Little Richard. And we pull apart the story behind the image, discovering forgotten interviews that change exactly how we see these giants of our culture. We're here for the messy, the brilliant, the human version of our heroes.

3:04I'm Immanuel Jochi. I'm Kai Wright. And this is Big Lives. Listen to Big Lives on the I Heart Radio app Apple Podcasts or wherever you get your podcasts. Welcome to my show. I'm Richa McDonald, the host of Money Making Conversations Masterclass. Well, we encourage people to stop reading other people's success stories and start planning your own. Now, you don't want to miss an episode. So please take a moment right now to follow or subscribe to Money Making Conversations Masterclass. It's free. You can follow me on I Heart Radio app, Spotify, Apple Podcast, or wherever you listen to your podcasts. New Money Making Conversations Masterclass episodes drop daily. I want to keep you on alert because my guests provide tips on how you can uplift your community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Now, let's get this podcast started. My guest is the president and chief operating officer of One United Bank. One United Bank is the nation's largest black owned bank

4:04and award-winning community development financial institution. It serves as a bridge for offering affordable financial services and promoting financial literacy. Please welcome to Money Making Conversations Masterclass Terry Williams. How you doing, Ms. Williams? I'm great. How are you? It was good to be here. Okay. Now, One United Bank, I talked to Ken. I made him many, many years ago in Los Angeles. Now, how did the One United Bank 4 match start? So we started with a community bank in Boston. And we acquired four black owned banks, one here in Miami, and two in LA, and the one in Boston. We combined them into one. And we changed our name to One United Bank. That was over 20 years ago. And since then, we have launched a digital platform. We were actually the first digital black owned bank.

5:07And from there, we have become the largest black owned bank in the country with customers all over in all 50 states. Now, how could people get information about One United Bank? Yeah. You can go to OneUnited.ONEUnited.com and you can learn about who we are, our technology, and you can also open up an account online within minutes. Okay, that's great. Because one thing I've always been mad about is that in the black community, I'm pretty into color, they've taken all the brick and mortar banks basically out. You know, they talk about food deserts in the black community. The financial desert doesn't make sense. And so we are prisoners of those high check cash in places. Check cash in places. Yeah, I can't stand that. You go into the community of color. You see churches. You see these, they call them hot sheets,

6:09motels. You see liquor stores and these check cash in places that really is embarrassing to me because, you know, you got to get buzzed in. You got to get buzzed out. You bring in your money and then to get cash and you're being treated like a criminal. And so it's so enlightening to have OneUnited Bank position itself to make services, proper banking services available to our community in a digital format. Let's go in detail while that's so important, Ms. Williams. Yeah, you're absolutely right. And that's what we saw 20 years ago where, first of all, where our community was actually at the forefront of digital. You know, they talk about the digital divide, but the reality is that the black community, we were at the forefront of using technology, of using smartphones, of using social media. And so we saw the young people growing up in this environment and they didn't have a need to go into a branch as much as some of us older folks did. And so we go decided that we wanted to build

7:13this platform, not only because technology was important, but because of what you said, which is that the branches were declining in our community. And you know, one of the things about myself, I've lived in major cities, but I've also lived in rural America. And you know, there's just not enough financial services in rural America as well. There are a lot of us that live in small towns. Now, I love people like Terry Williams because she knows her brand so well that I always like to have do a pump to break because she's literally right by something that was so important that's taken a picture of your payroll check. This is the part where I feel our community has been in prison by these high check cashing places. They go in there, they take a major portion of your check with these high fees, treat you like, I don't think they treat you well. I've been in there. I've seen

8:13it. I've been fighting this, Terry, since I've been with Steve Harvey and I was in LA back in 2000. So I've been on a war path about this. And so when I, that's why I'm such a fan of one united bank, you know, you, I mean, I'm not a paid brand ambassador. I'm just going to put out there. But I am an ambassador of change. I am a ambassador ambassador of information. And welcome to detail how they can take a picture to check and how they can get a money back through the ATM services. They are everywhere. Yes. Yes. So again, we realized that, you know, access to money was going to be is important. That was going to be is important to our community. So you bring up ATM networks because people will be like, okay, if I bank with you, how do I get access to my money? We have the largest search charge for a ATM network than any other bank in the country. You can go if you are a customer of one united, you can go into a wall green, a 711,

9:14you can even go to a Chase bank or a Citibank and get access to your money without paying a fee. We have a hundred thousand search charge free ATM's where you can access your money. Don't go anywhere. We will be right back with more insights from money making conversations in massacletes. That call was really pivotal for me. Hey, it's Emily Tish Sussman and this season on She Pivots, the podcast where women share bold career moves and personal turning points that changed everything. I sit down with culture shifting women who share their pivots like Para Olympian Alley Truett. I was like, I'm a month out from a shark attack. There's no way in 11 months I'm making the Verilandics advocate Elizabeth Smart. I still feel that drive that I can still make a difference. So I'm going to keep going. Celebrity chef Carla Hall was that scary to walk away from such a stable career after just two years? No, I was more afraid of being unhappy than I was broke and in a dead and job that I didn't enjoy. And feminist legend,

10:16Gloria Steinem. All of us were trying to express women's real lives. We need a meeting place of our own and if I can contribute to that, I'd like to maintain that and leave this house for that purpose. Listen to She Pivots on the iHeartRadio app Apple Podcast or wherever you get your podcasts. Welcome back to Money Making Conversation Massacletes hosted by me, Roshan McDonnell. Money Making Conversation Massacletes continues online at moneymakingconversations.com and follow Money Making Conversation Massacletes on Facebook, X, and Instagram. And the reason that we did that is we developed these partnerships is because we realized that those, you know, some of those ATMs, in fact, I have to say this, I was, I needed cash and I was in a hotel and I went to the hotel ATM to get some cash and the fee was $5.99. Just to get access to $100. That's crazy. So I say that to say we know that these fees add up and that we have to be able to

11:23access our money and want to access and not only deserve to access our money, so charge free. You mentioned getting paid two days early. This is not a payday advance loan. This is not something that we charge you for. If you bank with one united and you do a direct deposit of your paycheck, as opposed to you getting that pay on Friday, you will get it on Wednesday. No fee, no charge, you just get your money early. Again, we recognize that that could make the difference between you needing a payday loan or you not needing a payday loan. And the key in this conversation, ladies and gentlemen, is that you're now doing positive banking. These high fee charging places, that's not banking. That's not banking. They're never going to improve your credit score. There's never going to be in a position to give you a debit credit card. None of those things are going to happen if you continue to bank or do financial transactions

12:29with these high check cash in places. And that's important that we say this in this interview, is that money making conversation in math and class is what I call education information. Terry Williams is on this show because I asked to the come on the show because he's providing a service that everybody on this call need to hear because even I, Rishan McDonald, because I use ATMs, Terry. I bank with a particular bank. If I go to another bank that's not my bank, I get charged at fee you talking about. Okay. Now she's telling you, you bank with one united bank, you can go anywhere. No fee. That right there is the home run we're looking for. We are looking for as a community because now we're banking. Check a picture of your check. I've done this now. I'm taking a picture of some time I go into bank. I don't feel like standing there lying. I just go up there, take a picture of the check, deposit it, and everything's good. Never have to stand in a long

13:30line. So I know that even my bank, I use that service so you can know that. Okay, Rishan, have you ever used that type of banking service? You want to deposit your check through a camera and it goes into your bank account? Yes, it does work like that. It works like that for me and can work like that for you. Now when you start pushing this idea, how you get in the word out Terry about this because it's so it's not it's not even groundbreaking because guess what? Like you said, black people and people of color have always used smartphones have always been at the forefront of video gaming, digital, and now we just need to start being acknowledged and start using it other than just taking pictures and texting people. Well, I have to say that this has been a really wonderful but long journey. And what I mean by that is there was a time when people didn't even know that black banks existed. They were like, oh no, and one of the things that you mentioned, yes, I'm the

14:32president and COO, but I'm actually also the owner of the bank. And so I always sort of have to pop my head out and say see I'm black, you know, and that, you know, because people are like, oh, black people don't own banks, you know, but and I will also say that we as a community need to learn to trust each other with our business, with our business. We are a FDIC insured bank. We are a real bank, not a FinTech, not somebody that's, you know, asking you for your money and your confidential information, but doesn't have the full faith and credit. We have the full faith and credit of the US government for the bank. So, you know, there's sort of a mistrust that we have to get over as a community. There's also a need for financial literacy. This is where, you know, your podcast, where your program comes in, because we do need to get educated. I sometimes get

15:38annoyed when people talk about black folks and try to make it seem like we're not good with money. We are great with money. We are great with money. We've always been great with money. We don't have the same income, you know, we have faced discrimination. We have been actually precluded from, we were the asset that was owned and we couldn't buy assets. We couldn't live where we wanted to live because of laws that discriminated against us. But if you look at, you know, what we are able to accomplish given the amount of income that we do have, we've accomplished a tremendous amount. But we do need to learn more about how wealthy people build wealth. And I, you know, I say this to everyone. One of the ways, one of the things that wealthy people know about building wealth is that you have to set up an automatic way to save. If you don't have an automatic way of saving, if it goes in your pocket, you're more likely to spend it. So you got to put aside, you know, whatever it is, I don't care if it's a dollar a week, a $10 a week, a $10,

16:42whatever you, you think you can afford to put aside into a savings account automatically. It should go from your paycheck into a savings account or your paycheck to a 401K or your paycheck to an investment account and not go in your pocket. Because if it goes in your pocket, you're more likely to spend it. That's what wealthy people know. And they've been doing this for many, many years. And you look up and you see that you have a substantial investment account or savings account. Please don't go anywhere. We'll be right back with more money making conversations, masterclass. Now I need for you to do me a favor. Right now, to follow or subscribe to money making conversation. It's free. And you can find it on the iHeartRadio app, Spotify, Apple podcast, or wherever you get your podcasts. Please do me that favor. Follow or subscribe, money making conversations. That call was really pivotal for me. Hey, it's Emily Tish Sussman. And this season on She Pivots, the podcast where women share bold career moves and personal turning points

17:45that changed everything. I sit down with culture shifting women who share their pivots like Para Olympian Alley Truett. I was like, I'm on out from a shark attack. There's no way in 11 months I'm making the very little index advocate Elizabeth Smart. I still feel that drive that I can still make a difference. So I'm going to keep going. Celebrity chef Carla Hall was that scary to walk away from such a stable career after just two years? No, I was more afraid of being unhappy than I was broke and in a dead and job that I didn't enjoy. And feminist legend, Gloria Steinem. All of us were trying to express women's real lives. We need a meeting place of our own. And if I can contribute to that, I'd like to maintain that and leave this house for that purpose. Listen to She Pivots on the iHeartRadio app, Apple podcast, or wherever you get your podcasts. Hi, I'm Michael and Perry Oli. I want to tell you about my new podcast Underground Zero. It's about what happened in the aftermath of the 9-11 attacks on the World Trade Center in New

18:48York. We're looking at the opportunity of a lifetime for us and the other families. While the world was mourning, five powerful New York families saw an opportunity. The debris supposed to go to the city on salvage and some of it will. They would go on to make millions of dollars. What's in the tunnels? Go on bars, shove a engage. It's going to be worth half a billion. And they would have made more if it hadn't been for one courageous cop. No, Dad, don't. You're going to need all of us. I'll call you when I can. Frank, be careful. Underground Zero. Starring Steve Sherrippa, Ray Abruzzo, and me, Michael and Perry Oli. Would you be willing to see your family go to pieces? Some ways it already has. Listen to Underground Zero on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts. 30 years ago, an island off Manhattan almost brought down New York City. Who will you trust? Your friends and neighbors? Who will you trust the people five miles overseas? This is a story about neighbors turning on each other. And what happens when

19:53a forgotten place decides it's had enough. We reached for a feeling that exists in this city. But we're not stopping, Oli! I'm Ben, that of Half-Rate. And for my new series on Revisioness History, I took a deep dive in the Staten Island's attempt to succeed from New York City in the 1990s. And what it all has to do with the politics of resentment that dominate America today. Listen to Revisioness History, the Staten Island problem on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts. This is Jay Valentine. I've spent my career on the executive side of this industry, multi-platinum songs, building artists and building business. And alongside my brother, Tank, the superstar R&B singer, songwriter, and producer, we've created something special, the R&B money podcast. This is not just a podcast, it's a safe space where artists,

20:54executives, and fans of R&B music come to reminisce. Pull back the curtain and tell the stories that shape this culture, the real history behind the hits. That was hood famous. And then real love came out and it blew up. We lived in a project. And they were seeing all the success. They hear the music and we had nothing. We're covering the entire spectrum from Smokey Robberson, Alicia Keys, B2K, Mary J. Blige, Legends Current Stars, and everyone who's contributed to the sound of R&B. You come out the gate with a hit. And then not Michael Jackson out of number one. Come on man. I was like, hold on. I'm not going to M.D. Out of the number one spot. If you're a super dedicated R&B fan who wants the real discovery, the real stories, this is your podcast. This is the R&B money podcast. Listen to R&B money from the Black Effect podcast network on the iHeartRadio app Apple Podcast or wherever you get your podcast. Hi, it's Alex Baldwin. This season on my podcast, here's the thing I'm speaking with more artists, policymakers, and performers like actor Stephen Root. I think for me to be any good or for any

22:00character actor be any good, you got to put enough of yourself and your empathy for people in it. I'm a people watcher. You see that guy going down the drain though? Yeah, I can use that. Open igloo co-founder, Alia Mohammed. I love staying on top of what is going on in our city, what is going on in city politics, what is on renter's minds, and taking all of that knowledge to build a platform that hopefully is going to make New York City better in the long run. And actress and singer Melissa Eroko. Partnership took on a whole other meaning when I started making my own work. It's like you with a great actress or actor. It was best to come out of your trailer full of life and just face another person who's full of life and don't talk. Listen to here's the thing on the I Heart Radio app Apple podcasts or wherever you get your podcasts. Welcome back to Money Making Conversations Masterclass hosted by me, Roshan McDonnell. Money Making Conversations Masterclass continues online at moneymakingconversations.com

23:04and follow Money Making Conversations Masterclass on Facebook, X, and Instagram. But these are things that we just need to learn. It's like learning the games, like learning a video game. You got to know the rules. In fact, let me bring up another thing. You talk about check caches. Check caches only report to the credit bureaus when you don't pay them. So it can only negatively impact your credit score. We said that's crazy. With our cash please program, which again, the interest rate is 120th of the check caches. So we have something called wise one and what it is is a service that looks at your bank account and provides you with insights about how you could make more money. It will tell you things like, you know, did you know that your bill from AT&T went up last month? Did you know that you paid Netflix twice? You have two Netflix bills. Do you know that you have some additional cash that you

24:08should move to savings? It will provide you with insights to your spending to help you make better financial decisions. And it uses data aggregation so it can combine not only your bank account with us, it can combine your mortgage, it can combine other accounts you have with other organizations. All into one, it will tell you what your net worth is. It'll tell you what your cash flow is, your income, your expenses, and it will tell you how you can reduce your debt and how you can reduce your expenses. Which bills should you pay first? You can either pay the highest, the bill with the highest interest rate or you can pay a bill that has a low interest rate, but that is a smaller bill. So that's one of my big fans of Terri Goudre to the small ones. Yes, I am too. I am too. That's right for her. Exactly. You know what I'm saying? Exactly. If you see a medical degree go take you eight years to get to,

25:13I'm going to take some courses that are going to make me happy. So I'm going to go see off some low bills immediately. I'm paying off those low bills. At least I, that's called gold setting. Yes. A lot of people get traumatized because they set the wrong goal. And they say they're saying they're neighborhood. Bite off more than you can shoot. Terri, Terri, tell her, tell her, tell her, tell her, tell her, tell her, look, look, it's something you want to launch on my show. I'm so proud that Terri chose to launch this on my show. I feel so good. I feel like money make conversations and get up in the big world one United Bank. It's come here. Now you got, I got bank youth financial literacy competition for kids eight through 12. Tell us about that. Yep. We provide a way for kids to learn about money. I'm actually wrote a book called I got bank. If you go to winenight.com slash book, you can learn about the contest, but you can also download the book. So we make it free. And it's a book that teaches kids everything they need to know about money. So actually about a young boy named Jazz Ellington,

26:18he is 10 years old and his brother, his sister and his mother are trying to spend his savings. He saved a little over $2,000 because he did what his granddad taught him to do. He just saved his money. His money went right into his savings account. But his mother, his brother and sister are trying to spend his money. And the reason that I wrote that story is because for a lot of us in our community, you know, we might have one of us that is done okay. And then everyone else, you know, wants to figure out how that one person can help. And sometimes it's hard for us to help everybody, but Jazz figures it out. But this book, this essay contest, we give 10 kids a $1,000 savings account. And all they have to do is read a book, whether it's my book that they can get for free or another financial literacy book, and talk about how that book can help them

27:19help their family. Now I say that, and this is what I also say on your show, we're not asking you for a book report. We don't want a book report. We want you to tell us what you learned from the book and how you can use that learning to build wealth for you and your family. We choose 10 or or do a piece of art. So you can either write an essay or do a piece of art, 10 winners, 10 kids, win a $1,000 savings account. I will tell you that it's amazing what these kids write, what they learn. They are so much further along than I know I was at 10 years old. Part of the reason I wrote the book is because I couldn't figure out money when I was 10. And I was like, that shouldn't be the case. And these kids, either from reading my book or reading some other book, they learn about money at a very young age and it makes a huge, I think every all the kids that participate are winners. I mean, we definitely have the 10 winners, but really every child that participates in this contest

28:20wins. So let me ask you this Terry, how do they apply? They go to one united dot com slash book. Terry, a lot of things are happening out there in the community that affects our pop-up book. What should black people be doing with their money in these uncertain times? There's something called stagflation. Your audience will hear that word more and more. And what it is is usually when there's inflation, it's because the economy is growing. Or when there's a loss of employment, it's the economy is declining. In this case, what they're expecting is that there to be inflation or increase in prices and at the same time, an increase in unemployment. And because of that, what I say to everyone, hold on to your job. This is not a time to be taking a new job. Because we're always the last hired first fire. So hold on to your job. And the second is to

29:21start saving more and spending less because this economy is going to be very, very difficult. Those are my two recommendations. Hold on to your job. Start spending less saving more. The narrative that's put out there is that Terry Wimbs does not exist. The narrative that's put out there is that one United Bank does not exist because when they use the words like DEI, and they use the words like welfare, they use the words like unemployment, they use the words like anything that is negative, they make it seem like black people are the sole benefactors of this. And that's not true. White women dominate all those categories. When they came out there screaming about DEI when those planes crashed, you know they was insinuating us. But that's not true. Like we would have wanted benefit from DEI.

30:26I'm going to close the show with one question that's going to be in the extensive response by you because of the one transaction concept which focuses on six major transactions that working together will create generational wealth. I'm going to allow you to floor to run them down to us and tell us the importance. Terry Wimbs the floor is yours. Yeah. Yeah. Yeah. That's one of the things that we think is important for our community to know is that it really is one transaction that can make a difference between you being wealthy or not, in fact, building generational wealth. And the six transactions include homeownership. In fact, that's one of the other things that we have. If you go to one unite.com slash home loans, you'll learn that we are providing 25 to $50,000 and down payment assistance the first time home buyers. So homeownership is one. The second is insurance. Life insurance. Life insurance is a really inexpensive way to build generational wealth.

31:32So whether that's your parents or your grandparents, make sure they have insurance so that when they pass that those funds go to you or your or your children. Investments. You know, look at investments as an option. Again, make sure it goes from your paycheck into an investment account. Business, small businesses, having a profitable business. So whether it's you have a sort of a gig on the side or whether you are an entrepreneur, but having a profitable business can make the difference between you building wealth or you not building wealth. Credit score. Credit score is important. That's why these check casters, they're worse because of the high interest rate that they charge. They actually only can hurt your credit. They can't help your credit.

32:34Building your credit is really important and again can make the difference. And so if you can take those transactions, homeownership, savings, credit scores, profitable business, insurance, investments, if you look focus on those six transactions, you can build generational wealth. And you should focus on one of them. Just focus on one. And again, if you go to our website, when you night dot com slash one transaction, you will see all of the six transactions and a step by step guide that you can take to build generational wealth. Don't focus on all six. Focus on one. Well, she's coming on my show ladies and gentlemen. Terri Williams owner, president, CEO of one united bank, there are three URLs that are important to remember from this call one united buck dot com. Going there, you can set up an account. Would you allow you to be able to deposit your checks, do direct deposits, get you paid two

33:40days earlier, it allows you to go to any ATM in this country with no fees charged and removed money from your account that you've set up with one united. They have a contest called the iGuy bank, youth financial literacy competition for kids eight through twelves, eight through twelves, 10 kids with one thousand dollars savings account, one thousand out 10 kids is a artwork on essay. It's about financial literacy, it's about your approach to success. That's one united slash book. And so last thing we talked about was the one transaction concept. It's one united slash one transaction. Thank you, Terri, for coming on my show, money making conversation, that's a glad and I'm tell you right now, you change some lives today, my friend. I appreciate you taking the time because you are a busy person. You are the kind of money you count money. I need to put them in the bank. Thank you for having me. Thank you for listening to this episode. Now I need

34:41for you to do me a favor. Right now, to follow or subscribe to money making conversation, it's free. And you can find it on the iHartRadio app, Spotify, Apple podcasts or wherever you get your podcasts. Please do me that favor. Follow or subscribe, money making conversations. Keep winning. Tell the real stories behind the music. I have no money. I was hood famous. They think you gonna get everybody out. We lived in a project. And real love came out. They hear them music and we had nothing. From Smokey Robinson to Mary J. Blige, V2K to Jill Scott. If you're a super dedicated R&B fan, this is where you belong. Listen to R&B money from the Black Effect podcast network on the iHartRadio app, Apple Podcast or wherever you get your podcasts. It's the US Open, which means the tennis world is about to lose its mind. And I'm here for every second of it. Join me,

35:42R&B stubs on the R&B stubs tennis podcast as I break it all down. The matches that matter, the drama that doesn't, and the stories everyone's talking about. No cliches, no sugarcoding, just host analysts from someone who's actually been there. Coco, looking real good, her serve looks so much smoother than it has in the past. I was really happy to see Yiga back to what she looked like a couple years ago and she was winning dominantly. Listen to the R&B stubs tennis podcast on the iHart Radio app, Apple Podcast or wherever you get your podcasts. Doorbell Prankster that tormented German resident apartments turns out to be a slug. Ding dong! Hi, I'm Kirk Brown, only. And I'm Scotty Landis. They say no news is good news. But weird news? That's bananas. Every Tuesday on our podcast bananas, we find the strangest true stories from around the world and try to understand what the hell is going on. Man rescued by firefighters after getting stuck in a phone booth trying to order a cabab. Man, you did it. You wowed me. We cover important discoveries,

36:46questionable decisions and animals behaving exactly as badly as you know you want them to. China's first corgi police dogs in trouble again. Uh oh, what do you do this time? He stole a sausage from a child. Classic dog stuff. That's it. With more than 400 episodes, there's always more weird news waiting for you on bananas. Listen to bananas on the iHart Radio app, Apple Podcasts or wherever you get your podcasts. Hi, I'm Michael and Perry Oli. I want to tell you about my new podcast Underground Zero. We're looking at the opportunity of a lifetime for us and the other families. It's about the aftermath of the 9-11 attacks. What's in the tunnels? of anguish. It'll be worth half a billion. Starring Steve Sheribba, Reya Brutsoh and me, Michael and Perry Oli. How far you prepared to go? Depends how far you are. Listen to Underground Zero on the iHart Radio app, Apple Podcasts or wherever you get your podcasts. In February of 2024, celebrated illustrator and children's book author,

37:47Patre Mathers and her husband Michael mailed letters to dozens of friends and family members to let them know they had died by suicide. Dear Hunnies, this is goodbye. By the time you get the shalliter both petr and I will be dead. Next stop, Wonderland. Why did they do it? And what did it do to the people they left behind? Listen to death of an artist on the iHart Radio app, Apple Podcasts or wherever you get your podcasts.