For nearly a decade, Kay has been the quiet force behind thousands of financial glow ups. Her clients don’t just walk away with improved credit reports they walk away with renewed confidence, clarity, and control over their financial futures. And that’s because Kay isn’t just fixing numbers she’s transforming lives.

People don’t just come to me with collections or charge-offs, Kay says. They come to me with stories real ones. Divorce, job loss, medical debt, setbacks. I’m not just sending out dispute letters. I’m helping people rebuild their lives from the ground up.

It’s that level of authenticity that has made her a respected and trusted figure in the financial space. As the founder of Modern Financial Institute, Kay has built more than just a business she’s built a brand grounded in transparency, results, and a soft-but-solid sense of luxury. Her clients don’t feel like just another number in a system. They feel seen, heard, and most importantly, empowered.

A Journey Rooted in Realness

Before she became known as Credit Doll Kay, she was just a woman trying to figure it out just like the rest of us. After experiencing her own credit challenges, Kay decided to take matters into her own hands. She studied the laws, uncovered the loopholes, and taught herself everything the credit bureaus don’t want consumers to know.

What started as a personal mission turned into a full-blown movement.

I wasn’t trying to start a business at first. I just wanted to fix my own credit. But once I saw what was possible, I knew I had to help others do the same.

Now, with nearly 10 years of experience, she’s a certified expert at removing negative items like late payments, bankruptcies, collections, and charge-offs. But what makes her different is her ability to teach clients how to play the game and win long after their reports are cleaned up.

More Than Just Disputes

Modern Financial Institute offers far more than just credit repair services. Kay and her team specialize in building custom credit strategies that fit real-life goals whether that’s qualifying for a mortgage, securing business funding, or simply getting a fresh start.

The process is rooted in education and empowerment. Clients learn how credit actually works, how to protect it, and how to leverage it to unlock opportunities they once thought were out of reach.

Kay doesn’t sugarcoat the work. She’s upfront about timelines, transparent about expectations, and honest about what it takes to get results.

There’s no magic fix. But there is a proven process. And if you follow it, you’ll win.

And her results speak for themselves. Her client testimonials are filled with life-changing wins new homes, funded businesses, approved auto loans, and tears of joy. But for Kay, the real win is watching her clients evolve from feeling stuck and discouraged to empowered and confident.

Building a Brand with Purpose

In an era where luxury often means unattainable or overly polished, Credit Doll Kay brings a refreshing mix of realness and refinement. Her social media presence is filled with viral credit tips, motivational gems, and hard truths all delivered with her signature blend of boss energy and grace.

She shows up in her own way stylish, self assured, and always authentic. But behind the glam is a woman who has worked tirelessly to build something meaningful. Every post every client call and every business decision is driven by her purpose: helping people reclaim their power through financial literacy.

And that’s what her brand truly stands for freedom, confidence, and clarity.

You don’t have to choose between being financially disciplined and living your soft life. You can have both. I’m living proof of that.

It’s that mindset that separates Kay from the rest. She’s not just trying to clean up your report she’s trying to help you unlock the best version of yourself. Her clients leave not only with higher credit scores but with a new standard for how they view themselves and their future.

The Bigger Picture

Kay’s impact goes far beyond credit reports. Her movement is about normalizing financial healing, especially in communities that have historically been left out of those conversations. She’s helping to break generational cycles of financial trauma, one educated client at a time.

She’s also helping people understand that credit isn’t just about buying things it’s about buying back your time, your choices, and your peace of mind.

Fixing your credit is the first step. But my real goal is to help you become unf*ckwithable mentally, emotionally, and financially.

And that’s exactly what she’s doing.

Through her work with Modern Financial Institute, her digital presence, and her commitment to pushing the culture forward, Credit Doll Kay is proving that you don’t have to settle for less in your finances or your life.

She’s a leader, a mentor, and a mirror showing people what’s possible when you stop surviving and start thriving.

So if you’ve ever felt like your credit score defined your worth, let this be your sign: it doesn’t. And with the right guidance, a little hustle, and a lot of heart, you can rewrite your financial story just like Kay did.

Because when you work with someone who gets it, who’s been there, and who refuses to gatekeep the game, there’s only one direction to go: up.

And Credit Doll Kay? She’s making sure no one gets left behind.

In this exclusive Hollywood Times interview, Joe shares the pivotal experiences that shaped him, his raw truths about adversity, and the mission that drives his work forward.

Exclusive Interview with Joe Wanner

1. Your life story is truly inspiring. Can you share a pivotal moment in your journey that shaped your resilience and determination in sales?
A very pivotal moment in my resilience was tested in 2023. I just had the most successful couple years of my sales career (5 promotions within 3 years) and had done so well, many companies started reaching out to me to either lead or help run sales teams. One company in particular wanted me to lead their entire enterprise division. Although initially hesitant, I negotiated with the CEO at the time and completely left an entire book of business I had built in commercial insurance for what I thought would be this once in a lifetime opportunity. That was short-lived as only a couple weeks into the new gig, they dissolve the new division they were building and wanted me to run, COMPLETELY pulling the rug out from under me. They gave me options to stay with the company, but I felt dejected, confused, and quite frankly embarrassed how I could be so blind, especially after negotiating the highest base salary I had ever received. There was a sense of panic, not necessarily that I wouldn’t be able to make it because I had sold in at least 12-13 industries by this point (between full-time jobs and side businesses I had at the time) and had decent success in quite a few, but just a sense of how do I tell my wife at the time and having to completely start over. Keep in mind during this time the position I had BUILT at my previous company had been replaced and filled during my absence, so there was no going back on my decision. Weighing all the options, I decided to bet on myself and go back to the company I had success with before, started as a newbie sales rep all in on rebuilding a book of commercial insurance business from absolutely ZERO. So determined, I was making 200 cold calls on Saturday mornings on top of what I was already doing within the week. Within a couple months building my book to $1million premium, they promoted me to management and relocated me out to Phoenix, AZ to help run their west coast headquarters. Within a year, on top of managing an office averaging 30-40 reps, directly coaching and training a couple of the lower performing reps helping them cross into the top 25 of 130 agents, I also rebuilt my own book back to just under $5million premium, an accomplishment only a few other reps had that year, and none of them were managing an office at the same time.

2. You mention facing extreme life adversity while achieving success in sales. How have those challenges influenced your approach to teaching others?

I never had a coach who I felt truly took the time to understand my life perspectives, the pain and hurt I had felt from feeling discounted, dismissed, and dejected for so long, and what I considered to feel alone most of my life. Yes, I had some family and some close friends who were critical in me not following through on taking my own life. As far as coaches or mentors though? It would always seem to be sooner rather than later that I would discover an ulterior motive or them jumping to conclusions before understanding how best to help me. For a while I transparently played the victim mentality, but it drove me to also play hero in my own life. I made it my new mission to strive to be the coach and mentor for others that I never had myself. It has the tendency to sound like a cheesy, watered down saying… to seek to understand first… but I find so few actually do this. Considering I am the most qualified to help who I used to once be…that mantra has helped me identify who I can truly help as a past version of myself.

3. In your upcoming book, what key lessons do you aim to convey about resilience and overcoming obstacles?

Significance in life isn’t about what happens to you, it’s what happens THROUGH you and who you BECOME in the process of pursuing what YOU consider to be a worthwhile goal. It can’t be someone else’s goal or purpose, and I find so many people stop there. They embrace a mentor’s goal for them, the goal of their company, a desire their parents had for them… I believe that until you can truly distinguish YOUR goals and YOUR purpose as being your own, I find it very hard for people to have the resilience to overcome the obstacles they face. They just don’t have the same depth of understanding of the why and purpose behind overcoming the struggles… but how could they if it was never their own dream or goal in the first place vs. vicariously living out someone else’s. The key to resilience is first identifying what personal goals and achievements are important to YOU and ONLY YOU first. Then if it fits into the goals of others as a bigger vision, then great. But don’t lose sight of your own.

4. How did you develop your expertise in cold calling, and what do you believe sets you apart as one of the top experts in this field?

Up until the writing of this article, I have yet to have someone set appointments for me or call on my behalf. Everything I have learned and developed has been on the merit of my own experiences of cold calling and cold prospecting, and more recently enhanced by many great coaches that have specialized in human psychology and behavior. I truly believe I honed in my craft of coaching tens of thousands of reps across 160+ industries for a 9-figure sales training firm that has become recognized in the Top 10 sales training companies globally. This experience on top of cold prospecting myself has helped me build the systems and expertise I share today – over the last 14 years across now 18 industries (between side businesses and full-time sales jobs) with 100,000+ cold calls, 1,000+ B2B door knocks, and over 3,000 cold networking in person approaches in network marketing under my belt.

5. You’ve spoken on stage alongside some big names. What has been your most memorable speaking engagement, and why did it resonate with you?

The first one, simply because it symbolized all the work I had done since I was 19, visualizing that one day I would speak in front of hundreds and thousands of people. So much so that the hosts of the event and the other big name speakers asked me what I do to be able to train on stage like that. And for them to be shocked when I shared it was my first time on stage…I surprisingly wasn’t sweating much or that nervous. I had fun, remained composed, and I just found a new ability to connect with a large audience from a stage in what felt like a surprisingly natural environment. Of course there were initial nerves and jitters, but everything I had learned and grinded for over the prior decade, all the late nights, the hours no one saw in my darkest of life times… it all came to light seemingly effortlessly on that first run. I know for a fact it was due to the decade of silence and hard work that built that capacity for me on a stage environment. 

Success at anything happens when opportunity AND preparedness meet. We don’t know when our moment will be, and unfortunately, I find many people feel and act like they have all the time in the world to prepare, when in reality we need to prepare EVERY day like our window of opportunity is coming TOMORROW. And because I can truly say I’ve lived my life this way since I was at least 19 years old, if not younger, I’m working as hard as I can to be ready for my moment, whatever and whenever that might be. Always stay ready.

6. As a minority in America, how have your experiences shaped your perspective on success in the business world, and what advice would you give to others facing similar challenges?

What I’ve noticed in America as a minority, is the blessing we have to pursue an equal opportunity to become unequal. I have talked to THOUSANDS of people and immigrants from other countries over the years, and the most common thread I hear is that America still TO THIS DAY is the country where you can come from ANY socioeconomic status and make a name and legacy for yourself. Even in the polarizing country we might have at times, we STILL have always had that opportunity. 

Does that mean it’s easy? Does that mean some don’t have an easier start than others? Absolutely not. But for every excuse you have, there’s an immigrant who came to this country with 10x less resources and connections than you have, yet built something 100x greater than anything you’ve ever accomplished. And I think that’s such an incredible system of free market entrepreneurship we live in. Too often I see people confuse having a great opportunity for a life being handed to you, an easier life, a life with less struggle. Not so. What America promises is an OPPORTUNITY to become unequal and thrive financially and build freedom. But that doesn’t mean it’s going to come easy or that anything is a guarantee, ESPECIALLY without sacrifice, discipline, or hard work. I couldn’t be more grateful to be in a country where this truth has stood the test of time.

7. What are some common misconceptions people have about sales that you aim to address in your training sessions?

There is some truth to sales being a numbers game ONLY in as far as getting a baseline of a skill. But once we have a baseline dataset (meaning for cold calls for example, the ratios we convert calls to pickups, pickups to conversations, conversations to meetings), our focus should be KNOWING OUR NUMBERS, knowing our conversion stats. Professional athletes know their stats. Want to be a professional in sales and business? Know your individual stats. Because once we do, any monetary or sales goal we set is simply a reverse-engineered math equation that only improves as our SKILLS get better. 

Sales is a SKILLS game. 

In addition, one of my FAVORITE things I have learned from who I consider the current GOAT of selling, Jeremy Miner, is that we need to turn the ABC’s (Always Be Closing) of selling to the ABD’s (Always be DISARMING). Trust in salespeople is at an ALL TIME low, and ever since Covid and this overwhelming online information boom from everyone adjusting to remote work, it condensed the number of bad experiences prospects had with sales people in shorter periods of time, driving trust even lower. So our methods have to change. When we understand it all comes down to our skill and our ability to disarm, sales becomes a fun sport vs a drudging survival of the fittest.

8. Can you discuss a specific strategy or technique you teach that helps sales professionals build resilience in the face of rejection or setbacks?

“What’s In It For Me?” is the question every prospect, customer, networking relationship has in the back of their head SUBCONSCIOUSLY when they interact with us. Because people think MOST about themselves. I teach people how to convert all the “jargon” in what they sell to simple, easy-to-understand, almost 3rd grade reading level like language, so people hear stories, can visualize and picture concepts in their mind, so they can see clearer of what could be in it for them should they choose to engage. They do this on a subconscious level – why they stay on a cold call more than the average 30 seconds, why they choose to meet with you, why they choose to do business with you. When we truly take our eyes off ourselves (which sounds SO easy to do yet actually much harder to do in practice for many people I find), think of selling as serving people, and helping them recognize problems they didn’t even realize they had, it CHANGES the way we see people saying no. It’s nothing personal, we don’t even see it much as a setback vs what did I as the salesperson miscommunicate in my words, tone, or body language where they just couldn’t see the better future that I saw for them. It allows us to take EXTREME ownership over our own process, which builds the resilience muscle 10x faster than just pounding the pavement with the same mantra and techniques that salespeople have been using since the 70s and 80s, which unfortunately, is still taught by so many sales trainers today…

9. How do you balance the pressures of being a top speaker and sales trainer with your personal life, especially given your background?

I personally don’t believe you ever achieve balance when you’re striving to build or create something great, yet alone MULTIPLE great things such as a great business, great physique, AND great family life simultaneously. However, I DO believe that there are rhythms and a baseline energy you must sustain to play the long game and not burn out in the process. Those are different for everyone, and as simple as it might sound, you can truly pour energy into possibly 1-3 areas of your life at any given moment in time while the rest of the areas you sustain at a maintenance level. Think similar to how all pistons of even the strongest V8 engines don’t all fire 100% at once, otherwise the engine explodes. We burn out (which can set us back by months or years) when our hypothetical engine “explodes” from all the “pistons” of life in overdrive, not understanding the rhythms and purpose of rest and recovery. Daily energy is finite, and knowing what has to give and take up more of our energy during a specific season of our life, that’s the art. It keeps life exciting and purpose-filled without burnout when we learn that synergy.

10. In your opinion, what role does mindset play in achieving success in sales and life, and how can individuals cultivate a resilient mindset?

It’s not just a role it plays, it’s 90-95% of the equation. I’ve seen some of the most skilled people in the world of sales and business get in their own head and lose the mental game and never seem to achieve that “breakthrough”. And I’ve also seen some of the least skilled with an incredible mindset and belief in themselves achieve results and do things that NO ONE expected.

Resilience comes in two forms. One form comes with how you SEE, not just handle, adversity. If you see adversity and life circumstances as a mountain in your way, your perception of overcoming the adversity will be much harder. If you see it as a molehill because you understand your purpose is that much greater, you recover and bounce back quicker.

The other form of resilience comes from PURPOSEFULLY bringing challenges into your life (i.e. building a business, sales, art, any skill requiring tremendous effort and fine-tuning to become a professional). This builds a life muscle that allows you to condense wisdom and life experience in a matter of a couple years compared to what most take a LIFETIME to learn, because of your ability to bounce from chosen adversity to chosen adversity without losing your enthusiasm or purpose.

11. How do you plan to do book presentation? 

Some advice on how to answer this question? Not sure what is meant by this.

12. Looking ahead, what are your goals for the next few years in terms of your career, and how do you hope to impact the lives of others through your work?

I see myself teaching people how to turn their own victim mentality into playing the hero in their own life. I claimed victim to SO many things in my early 20s, but also recognized that it fueled the story I told myself to then play the hero that could get me out of the situations and life circumstances I was in – from almost being homeless and choosing to go hungry most days for 6 months while I was in college, to almost getting expelled from a prestigious university and college program because of being misunderstood in a simple sales email exchange, to giving EVERY part of my waking hours outside of work to a network marketing business for 8.5 years that never brought the financial fruits. I claimed victim and “woe is me” to so many of these situations as I describe in my “Built for the Cold” podcast. To finally recognize that I was in control of how I responded became the most empowering mantra that I hope hundreds of thousands of more people embrace. And I have not seen an opportunity better than sales for people to embrace that chip on their shoulder from their past, the people they’re striving to prove wrong, and to ultimately prove to themselves how great they truly are. In addition to teaching people how to turn their cold call reluctance (scared to pick up the phone) and resistance into cold call RESILIENCE, I plan to continue raising the value of my network through what I do, connecting businesses and people who align, and aim to inspire the everyday average Joe to discover that he’s more than average, that he was built for greatness.

Follow Joe Wanner’s journey as he continues to inspire a new generation of resilient sales professionals. His story is not just about success—it’s a masterclass in how to bounce back stronger, speak louder, and live bolder.

Fast forward, and Foxy AI has exploded. With $2.5 million in investment, over 100,000 users, and coverage in hundreds of top-tier publications globally, the platform has cemented itself as a game- changer in the AI space.“We’re not trying to replace creators with AI,” Emara emphasizes. “We’re building a future where creators can scale themselves. Foxy AI is the engine behind that vision.”

What began as a dinner-table joke from Emara’s 82-year-old father-in-law — about fans interacting with AI versions of influencers — sparked an idea that would redefine digital content. Initially intended as a fan engagement tool, Foxy AI’s realistic clone feature became a runaway hit among creators, who embraced the freedom to produce stunning content without studio setups or long production timelines. From there, the mission crystalized: put creators in control of powerful, ethical AI tools that amplify their voice — not replace it.
Foxy AI stands apart from the noise by focusing exclusively on real creators, not fictional avatars or generic art. Think a fashion influencer generating a luxury shoot on a yacht, a wellness creator in a serene jungle escape, or a model showcasing a brand collab across five different outfits — all from their phone. Foxy makes it possible.

But with great power comes great responsibility. Foxy AI has built-in safeguards to prevent impersonation, with invisible digital watermarks, full user control over AI clones, and a strict consent-first policy. As Emara puts it, “Identity, ownership, and trust are at the core of everything we do. Creators fully own their likeness and the content they generate.”
The long-term vision? To become the central tech layer of the creator economy. “Our goal is to help creators build sustainable, scalable businesses — on their terms,” says Emara. “We’re not just a platform; we’re a partner in their growth.”
With a growing user base that includes influencers with a combined following of over 500 million, Foxy AI isn’t just riding the AI wave — it’s steering the ship. And at the helm is a founder who understands both the power of technology and the pulse of the creator generation.

In Sam Emara’s world, the future is bright, bold, and brilliantly Foxy. For more details visit: www.Foxy.ai

“It’s cheaper to bring 100 American people to Ireland than to walk across the lot at Fox, past the sound stages, and do it there,” Lowe told former Parks & Recreation co-star Adam Scott of his game show The Floor, explaining why the production is based at Ardmore Studios outside of Dublin.

Incredulous at the revelation that Lowe’s U.S. game show shoots internationally, Scott also remarked that “nothing shoots in Los Angeles” anymore, wondering if Parks & Recreation would be filming in the city if it were made today.

Do you think if we shot ‘Parks’ right now, we’d be in Budapest?” he asked, to which Lowe answered: “One-hundred percent we would be. We’d be in Budapest.

Lowe certainly isn’t alone in his frustrations about the decline in domestic production and, more specifically, how that has impacted California. Per a recent report from FilmLA, 2024 was the second-least-productive year for L.A. production (after only pandemic-stricken 2020), down more than 30% over five-year averages.

There are multiple compounding reasons why California production is no longer booming the way that it once was, and state leadership has recently turned its attention to finding solutions.

During the podcast episode, Lowe claims “there are no tax credits [in California], so like, all those other places are offering 40% — 40%. And then on top of that, there’s other stuff that they do. And then, that’s not even talking about union stuff. It’s just tax, economics of it all, so it’s criminal what California and L.A. have let happen — it’s criminal. Everybody should be fired.”

In fact, California does have a tax incentive program, currently offering $330M annually. However, television productions in particular have long complained that the amount of money there for small screen projects is decreasing as the vast majority of past successful applicants are grandfathered in year after year as long as they remain on the air or online, leading to application periods when just a couple of new shows see any credits.

In February, an impact report from the Entertainment Union Coalition revealed that, from 2015 to 2020, about 50% of the 312 productions that did not qualify for California’s tax credit incentive relocated to another area, resulting in an approximate loss of 28,000 jobs and $7.7 billion in economic activity.

California has increasingly had to compete with enticing tax incentives offered by other states and territories. Domestically, Louisiana and Georgia still remain among the top rivals to California, though New Jersey, Nevada, and Utah have been putting more tax credit money on the table recently as well. As Lowe and Scott mentioned, international production has also become more alluring as Canadian provinces, the UK, and more competitive than ever European nations up their own incentives.

In October, California Governor Gavin Newsom proposed expanding the tax credit to $750M annually to revitalize the program. Newsom’s proposed expansion of the tax credit is also not yet set in stone, given California’s 2025-26 budget is still being negotiated, though it still seems likely to be approved.

The Senate Revenue and Taxation Committee is set to hear testimony regarding that proposal on Wednesday morning, including from the leaders of two prominent initiatives that are aimed at bringing production back to the state.

That comes as California lawmakers have finally updated a pair of bills introduced in February to “amend, update, and modernize” the current tax incentive program beyond Newsom’s proposal. With the amended language as of March 25, the bills offer a number of solutions, including increasing the available credit for an individual production to 35% for all expenses incurred in Los Angeles.

The production community itself has also been committed to solving this issue. Following the devastating wildfires that brought even more financial strife to Los Angeles after years of back-to-back blows, the Entertainment Union Coalition launched Keep California Rolling around the same time that some of the industry’s biggest stars as well as top film and TV writers and producers started a similar movement called Stay in LA. Both are aimed at not only calling attention to the issue but lobbying lawmakers to engage meaningfully in finding solutions.

At the heart of Brew Bliss is a sleek, heated coaster—a smart companion that maintains the perfect drinking temperature for your beverage, no matter how long your to-do list. Whether you’re diving into a captivating book, conquering emails, or soaking in a serene morning, Brew Bliss is there to enhance every moment. But Brew Bliss isn’t just about warmth; it’s about connection, comfort, and elevating the small joys of life. Founded by two sisters who deeply understand the balance of busy lives and the need for mindful moments, the brand embodies simplicity, quality, and a love for life’s little comforts.

Brew Bliss is more than just a mug—it’s a game-changer for coffee and tea lovers who cherish their rituals but demand more. This heated mug set transforms mundane routines into extraordinary experiences, adding a touch of luxury and sophistication to your day. Imagine this: starting your day with a mug that not only keeps your coffee warm but does so with unmatched style. Picture yourself savoring every sip, free from the frustration of a drink gone cold. From long workdays to peaceful evenings, Brew Bliss ensures your beverage stays as warm as the moment deserves.

At Brew Bliss, we believe in turning everyday routines into cherished moments. Each set is designed to bring a sense of calm, comfort, and consistency into your life. It’s an invitation to slow down, indulge, and savor the little things—because every sip matters. Brew Bliss isn’t just a product; it’s a promise: to bring warmth, connection, and joy to your table. Whether you’re treating yourself or searching for the perfect gift, Brew Bliss delivers more than just a mug—it delivers a moment of bliss.

Experience the Difference. Embrace the Bliss.

In the high-stakes world of entertainment and finance, few figures stand out as boldly as Thomas J. Kent Jr. As the CEO of Kent Global LLC and the Kent Family Office, Kent has carved out a unique niche, blending cutting-edge investments in film, real estate, and lobbying with a clear vision for global influence. His rise to prominence, bolstered by a net worth exceeding $50 million USD, is a testament to his unparalleled business acumen and deep understanding of market forces.

Reshaping the Entertainment Industry with Strategic Investments

Kent’s foray into the entertainment industry has been nothing short of transformative. With an investment of over $4 million in various film projects, his influence transcends financial contributions, signaling a deep commitment to the arts and storytelling. Kent’s financial backing has enabled the creation of bold, diverse cinematic narratives that not only resonate with global audiences but also generate substantial returns.

Beyond supporting creativity, Kent’s approach redefines the relationship between finance and entertainment. His belief in the cultural power of cinema is matched by his sharp business sense, positioning him as a crucial figure in the future of the global film industry.

Forging Powerful Alliances in Global Lobbying

Kent’s ambitions are not confined to entertainment. His recent joint venture with a prominent international lobbying firm showcases his skill in navigating the complex intersection of business, policy, and finance. This partnership allows Kent to wield his influence in shaping favorable policies that align with his varied business interests, spanning entertainment, real estate, and finance.

By pairing his expansive global network with the firm’s lobbying power, Kent ensures that his ventures are strategically positioned to thrive in an increasingly regulated world. This alliance underscores his ability to operate at the highest echelons of power, both in business and politics.

Real Estate Innovation: The $200 Million Private Equity Fund

Always ahead of the curve, Kent’s latest endeavor is a $200 million real estate private equity fund based in the British Virgin Islands. This bold initiative targets high-potential real estate projects with the promise of significant returns. Through meticulous planning and a forward-thinking strategy, Kent continues to cement his status as a visionary investor.

His real estate investments reflect not only financial acumen but also a desire to contribute to the transformation of urban spaces. Kent’s eye for detail and focus on long-term gains showcase his holistic approach to investment—a balance of risk, reward, and social impact.

Ethical Leadership at the Core of His Empire

Despite his growing empire, Kent remains rooted in the principles of ethical leadership and corporate responsibility. His business philosophy emphasizes more than just profitability—it’s about creating value that benefits society. Whether through philanthropic initiatives, advocacy for policy change, or investments in creative industries, Kent leverages his success to drive positive change.

His approach demonstrates that success in business does not have to come at the expense of social progress. By integrating ethical practices into his business model, Kent sets a standard for future generations of entrepreneurs and investors.

A Legacy of Impact and Innovation

From his early days as an ambitious entrepreneur to his current role as a global business magnate, Thomas J. Kent Jr.’s journey has been defined by innovation and impact. His investments in entertainment, finance, and real estate are not just about building wealth—they are about shaping industries and creating lasting value.

With every new venture, Kent reaffirms his role as a transformative figure, driving change and pushing boundaries. His legacy, still unfolding, promises to inspire future leaders in both the entertainment and financial worlds. As he continues to expand his influence and explore new opportunities, one thing is clear: Thomas J. Kent Jr. is not just participating in the future of these industries—he is defining it.

In the rapidly transforming financial industry, where technology and innovation drive the future of payments, few individuals possess the strategic insight and experience necessary to lead with both confidence and success. Aris, an accomplished executive with over 25 years of expertise in payments, money movement, and digital experience, is one such leader. His visionary approach to modernizing payments architecture, building ecosystem strategies, and spearheading digital transformation has positioned him as a thought leader in the industry.

The Modernization of Payments Architecture

The financial services industry is facing unprecedented disruption, fueled by digitalization, evolving customer expectations, and the rise of fintechs. Aris has been at the forefront of this revolution, playing a pivotal role in transforming outdated payment systems into agile, future-ready architectures that can scale with the ever-changing demands of the market.

“Payments have evolved beyond just transactions,” Aris explains. “They’re now a core component of the customer experience and integral to how businesses and consumers interact in the digital age.”

For many traditional financial institutions, legacy infrastructure has been a significant barrier to innovation. Aris has led numerous efforts to modernize these systems, integrating cloud-based solutions, artificial intelligence (AI), and real-time processing technologies. This modernization enables organizations to remain competitive while meeting the rising expectations for seamless, frictionless, and secure payment experiences.

“By investing in modern payment architecture, organizations are better positioned to offer more personalized and efficient services to their customers,” Aris adds. “It’s not just about speed, but about delivering trust, security, and value at every touchpoint.”

Crafting Ecosystem Strategies for a Digital World

One of Aris’s most notable contributions has been his ability to develop comprehensive ecosystem strategies that align with both organizational goals and the broader digital landscape. The financial ecosystem is becoming increasingly interconnected, with traditional banks, fintech companies, and tech giants all vying for market share.

Aris understands that collaboration, rather than competition, will be key to future success. “In today’s environment, no organization operates in a vacuum,” he says. “Partnerships and collaborations across industries are essential to building a sustainable ecosystem.”

Aris has worked with organizations to create innovative partnerships that leverage the strengths of each party, whether that’s the technological agility of a fintech, the customer trust of a bank, or the vast resources of a tech giant. These ecosystems are designed to deliver more holistic and integrated financial services, from payments to lending to wealth management, creating new value propositions for consumers and businesses alike.

Moreover, Aris emphasizes the importance of open banking and APIs in fostering this interconnectedness. Open banking, which allows third-party providers to access bank data in a secure and regulated way, has been a game changer in driving financial innovation. “APIs are the building blocks of modern financial ecosystems,” he notes. “They enable organizations to integrate seamlessly and innovate faster.”

Driving Digital Transformation with Strategic Vision

Digital transformation is more than just adopting new technologies. It’s about rethinking how an organization operates, how it engages with customers, and how it positions itself in the marketplace. Aris has a proven track record of guiding organizations through this complex process, helping them align their digital transformation initiatives with their overall strategic goals.

“Digital transformation needs to be intentional,” he advises. “It’s not just about implementing new tools or technologies but about transforming the entire customer journey and operational model.”

Aris’s leadership style is focused on creating a culture of innovation within organizations, empowering teams to think creatively and explore new ways of delivering value. His results-oriented approach has garnered widespread recognition, as he consistently drives measurable outcomes—whether it’s increasing operational efficiency, improving customer satisfaction, or generating new revenue streams.

In particular, Aris has championed the integration of AI and data analytics into digital transformation strategies. “Data is one of the most valuable assets an organization has,” he states. “By harnessing the power of AI and analytics, businesses can make more informed decisions, anticipate customer needs, and optimize every aspect of the value chain.”

Leadership in a Time of Uncertainty

As the financial industry continues to evolve at breakneck speed, strong leadership is more important than ever. Aris’s ability to navigate uncertainty and lead with clarity has earned him a reputation as a results-driven executive who inspires confidence in those around him.

“I believe in leading by example,” Aris says. “A successful leader isn’t just someone who can create a vision but someone who can motivate their team to bring that vision to life.”

His forward-thinking approach and deep understanding of the financial industry have helped countless organizations not only survive but thrive in this era of digital disruption. By staying ahead of industry trends, fostering innovation, and creating strategic partnerships, Aris ensures that the organizations he works with are well-positioned for long-term success.

A Blueprint for the Future of Finance

In today’s fast-changing financial landscape, where digital payments and money movement are becoming the new norm, Aris’s leadership and expertise stand as a blueprint for success. His commitment to modernizing payment systems, fostering collaboration, and driving digital transformation has made him a trusted advisor to organizations navigating the complexities of the modern financial ecosystem.

As the world continues to embrace the digital economy, leaders like Aris are essential in ensuring that businesses can adapt, innovate, and succeed in the face of constant change. With his vision, experience, and results-oriented approach, Aris is shaping the future of payments—and the future of finance itself.

The more I researched, the more aware I became of the harmful ingredients hiding in plain sight—silicones, sulfates, phthalates, synthetic fragrances, parabens, petrolatum, and more. These ingredients are common in everyday products, but their long-term effects on the skin are rarely discussed. In fact, many of these chemicals are banned in various parts of the world due to their potential to cause skin irritation, disrupt hormones, and even lead to serious health concerns. Yet, they remain a staple in the beauty industry.

I realized that we’ve become accustomed to trusting products that promise flawless skin, but we rarely question the chemicals behind those promises. Women apply layers of these products daily without realizing the potential harm they could be causing to their skin. This discovery was both eye-opening and alarming. I knew there had to be a better way—a way to care for our skin without sacrificing its long-term health for short-term results.

That’s when the idea for Talodew was born. In January 2024, I decided to create a skincare brand that focuses on clean, natural ingredients that people can actually pronounce and understand. I wanted to offer an alternative to the chemical-heavy products that dominate the market—an alternative that nourishes the skin rather than harming it.

At Talodew, we believe that less is more. Our products are free from silicones, sulfates, phthalates, parabens, and other harmful chemicals. Instead, we use ingredients derived from nature—plant-based oils, essential vitamins, and botanical extracts—that are both effective and safe. Our flagship moisturizer, for example, is designed to hydrate and rejuvenate the skin without clogging pores or causing irritation. It’s a product you can trust because you know exactly what’s in it.

But Talodew is more than just a skincare brand—it’s a movement. We aim to shift the conversation around beauty and skincare to focus on transparency, simplicity, and safety. Clean beauty shouldn’t be a luxury; it should be accessible to everyone. With Talodew, we’re making that possible, one product at a time.

Our mission is simple: to provide skincare that works harmoniously with your skin’s natural processes. We want you to feel confident in what you’re putting on your skin, knowing that it’s not only effective but also safe.

As we continue to grow, our commitment to clean, natural ingredients will remain at the core of everything we do. With Talodew, you no longer have to compromise between effectiveness and safety. Finally, a moisturizer—and a skincare brand—where you can pronounce every ingredient and trust in its benefits.

Welcome to the future of skincare. Welcome to Talodew.

Boasting an impressive collection of seven awards, Emad Zand has consistently pushed the boundaries of design innovation. VENTS magazine recognized him as a Top 5 Design Innovator in 2023, and esteemed publications such as The Ritz Herald Magazine, The Hudson Weekly, and Daily Silicon Valley have lauded him as a Top 10 Designer.

Beyond his design prowess, Emad Zand hails from a historic royal lineage, being a member of the illustrious Zand royal family. This unique blend of design excellence and regal heritage defines Emad Zand’s distinctive style, making him a sought-after figure in the world of luxury.

His influence extends across television, shows, and numerous magazines and websites, reflecting the widespread recognition of his talent. Emad Zand’s collaboration with luxury brands, including the world’s most expensive brand, Bijan, underscores his standing as a designer for the elite.

As Emad Zand continues to shape the landscape of design, his indelible mark on the industry and his rich royal heritage set him apart as a luminary in the world of creativity and sophistication.

Declining to speak in specifics at a scheduled appearance at Bloomberg’s Screentime event, the NBCUniversal Studio Group chairman & chief content officer nevertheless said, “I think the best way I could say it is that we’ve been spending time with the actors, and we want to spend as much time as it takes until we can reach a resolution and get the industry back on its feet and back to work as been our goals since day one.” Langley was interviewed by Bloomberg’s Lucas Shaw in Los Angeles.

As for the potential that the SAG-AFTRA strike could linger and impact her studio’s 2024 film slate, Langley said, “I’m not relishing the thought of a summer season without a volume of films. If I learned anything during COVID, it was that a lack of volume really does impact the moviegoing cadence. And we were just seeing recovery from that in 2023 in the summer. And if we lose that, that’s going to have a really lasting, meaningful, not good impact on our industry.”

Earlier that day, the executive had attended the latest round of negotiations for a new three-year SAG-AFTRA contract that could bring an end to the union’s ongoing strike, which has now lasted nearly three months. She was joined in the talks on the studio side by Netflix co-CEO Ted Sarandos — who speaks Thursday morning at the Bloomberg conference — Warner Bros. Discovery CEO David Zaslav and Disney CEO Bob Iger.

During her Screentime appearance, Langley also answered a question about why it took so long for the Writers Guild of America negotiations to conclude with a deal (Langley, Sarandos, Zaslav and Iger were present for the final days of negotiations). “The experience in the room with the writers was a difficult one because we had to deal with issues like AI and minimum staffing and things that had up until this point in unprecedented,” she said. “I can’t speak to why it took the time that it took. It just took the time that it took.”

On Oct. 2, SAG-AFTRA and negotiators for the AMPTP resumed their negotiations for the first time since the performers’ union went on strike. The two parties have been bargaining on and off ever since, with studio leaders — Sarandos, Zaslav, Iger and Langley — once again present in discussions. Their presence has raised hopes that the parties may soon be able to reach a deal and end the actors’ strike, which has essentially resulted in a domestic moratorium on union production except in cases where the union has offered an interim agreement.

Still, there are many issues for both sides to work through. With these negotiations, SAG-AFTRA has put forward a bold proposal for casts from streaming projects to receive a cut of platforms’ subscription revenues. Before they went back into the bargaining room in early October, the two sides had also not yet come to terms on AI regulations, minimum rate increases and a host of other issues.

In terms of AI, Langley said, “Things that people are deathly afraid of are not happening at our company. We are quite a ways away from that. We are big believers that creativity comes from real human beings. There is nothing that has said to us AI can change the way we’ve done business.”

Starting July 14, the SAG-AFTRA strike has hobbled the industry for months. A simultaneous Writers Guild of America strike that lasted for 148 days concluded on Sept. 27, but the majority of major physical production has yet to return without union actors. Employment in entertainment has declined by 45,000 jobs since the WGA strike began in May, the U.S. Bureau of Labor Statistics reported on Oct. 6.

In July, Langley was promoted to chairman of studio group & chief content officer as the mega-media conglomerate struggles to adapt to a new world order where a seasoned executive with an established creative vision can oversee all content for film, streaming and TV. Langley previously served as chair of Universal Filmed Entertainment after running Universal Pictures. She’s widely credited for winning over top filmmakers and talent, as well as aligning herself with key production partners including animation powerhouse Illumination Entertainment and Blumhouse.

This year, Universal and Illumination’s The Super Mario Brothers grossed a huge $1.35 billion dollars at the worldwide box office, proving that families are finally willing to return to theaters after the COVID-19 pandemic.

Universal is also home of Oppenheimer, Christopher Nolan’s blockbuster adult drama. The three-hour, R-rated film has defied all odds in earning $939.3 million globally to become the top-grossing biographical drama of all time. (Langley wooed Nolan into the fold after the filmmaker split up with Warner Bros.) So far this year, Super Mario Bros. and Oppenheimer are the No. 2 and No. 3 top-grossing films of 2023 so far behind Warners’ Barbie ($1.43 billion).

Langley didn’t try to sugarcoat the challenges facing the business. “The big picture has never been more volatile and continues to be volatile,” she said, noting that global box office revenue is still down around 20 percent from 2019, although summer 2023 was only down 5 percent. “So when there’s a season filled with good movies that people want to see, I was made to feel pretty optimistic.”

She also agreed it is noteworthy that original films such as Barbie and Oppenheimer did so well. “It sort of goes back to your first question about where cinema-going is headed. I think originality matters. And I think we are perhaps seeing the audience tire a bit of the tried-and-true tested blockbuster formula as good as it may be and as entertaining as it may be,” she said.

Langley was also upfront in admitting that her company has to be careful about spending too much on movies made for its streaming service, NBCU’s Peacock. “We’re still in the experimentation phase with that, to be honest. We’ve done a few of them to varying levels of success,” she said. “When we are making a film through the studio system, it’s got all the bells and whistles. We are geared toward making films for theatrical. I think the price point is maybe a little bit high.”