Are your international payments costing you far more than you realise?

In this episode of Muhami Matters, Chris Adams speaks with Tony Redondo, founder of Cosmos Currency Exchange, who draws on more than forty years of global banking and FX experience to explain how SMEs and professionals lose money every day when moving funds across borders.

Tony breaks down the real reasons behind hidden costs, confusing margins, international banking fees and compliance delays. He also explains why a human-led approach can offer better timing, better rates and better protection than many automated platforms.

In this conversation, we explore:

• How banks and payment platforms hide margins and fees

• Why the banking system is not always the safest option

• How timing affects FX rates and why weekends are risky

• What SMEs must understand before sending or receiving funds

• How compliance works and how to make onboarding faster

• What red flags and green flags to look out for in any FX provider

• Real examples of how clients lose and gain money through FX timing

This episode is essential listening for any SME, entrepreneur or professional who works with international payments and wants to protect their business from unnecessary losses.

👤 Guest: 

Tony Redondo

Cosmos Currency Exchange

Website: https://cosmoscurrencyexchange.com/

LinkedIn: https://www.linkedin.com/in/tony-redondo-currency-transfers-with-a-difference/

🎙 Host: 

Chris Adams

Muhami Matters: https://muhami.ae/muhami-matters/

CJA Consulting: https://www.cjaconsult.com

LinkedIn: https://www.linkedin.com/in/chrisadamsdxb/

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

Are you unknowingly losing money every time you send or receive funds internationally?

In this trailer for the upcoming episode of Muhami Matters, host Chris Adams is joined by Tony Redondo, founder of Cosmos Currency Exchange, to reveal the hidden costs, blind spots, and risks that banks and payment platforms rarely explain — but SMEs pay for every day.

Tony brings more than four decades of experience in global finance and foreign exchange, breaking down:

• The margins and fees banks never highlight
• Why “my bank is the safest option” can be an expensive misconception
• How SMEs routinely lose money on overseas payments
• The difference between transactional FX platforms and relationship-driven support
• What to look for — and what to avoid — when choosing an FX partner

The full episode launches Monday, 8 December, where we explore real examples, red flags, and practical strategies to help businesses protect their hard-earned margins.

👤 Guest: Tony Redondo – Cosmos Currency Exchange

Website: https://cosmoscurrencyexchange.com/

LinkedIn: https://www.linkedin.com/in/tony-redondo-currency-transfers-with-a-difference/

🎙 Host: Chris Adams

Muhami Matters: https://muhami.ae/muhami-matters/

CJA Consulting: https://www.cjaconsult.com

LinkedIn: https://www.linkedin.com/in/chrisadamsdxb/

🔗 Follow Muhami

YouTube: http://www.youtube.com/@MuhamiME

Facebook: https://www.facebook.com/p/Muhami-61558815388630/

Instagram: https://www.instagram.com/muhami.ae/

LinkedIn: https://www.linkedin.com/company/muhami/

TikTok: https://www.tiktok.com/@muhami.ae

🔗 Follow CJA Consulting

YouTube: https://www.youtube.com/@cjaconsult

Facebook: https://www.facebook.com/cjaconsult.me

Instagram: https://www.instagram.com/cjaconsulting/

LinkedIn: https://www.linkedin.com/company/cjaconsulting/

TikTok: https://www.tiktok.com/@cjaconsult

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

Most men say they’re “fine”.

But behind the scenes, many are quietly struggling with loneliness, emotional pressure, career stress and the fear of being seen as weak.

In this episode of Muhami Matters, host Chris Adams speaks with Ina Hammer, Founder of IconicMan Mastery, about why men find it so difficult to open up — and what they can do to reclaim emotional strength.

🎙️ Inside this episode:

• Why men hide behind “I’m fine”

• The rise of loneliness among professional men

• How societal norms shape modern masculinity

• Emotional burnout, divorce, and identity loss

• Why vulnerability is not weakness

• The reality of modern dating for men

• How high-achieving men handle pressure

• What men truly need but rarely ask for

👤 Guest

Ina Hammer

Men’s Emotional Health Consultant

LinkedIn: https://linkedin.com/in/inahammer2023

Website: https://inahammer.com/

👨‍💼 Host

Chris Adams

Founder, Muhami & CJA Consulting

LinkedIn: https://www.linkedin.com/in/chrisadamsdxb/

#MuhamiMatters #Muhami #محامي #CJAConsulting

#MensMentalHealth #MaleWellbeing #Masculinity #ProfessionalMen #Mindset #Burnout #Dubai #UAE

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

Most professional men say they’re “fine.”

But behind the scenes? Stress, loneliness and emotional pressure are silently taking a toll — and it’s costing careers, relationships and mental health.

In this powerful upcoming episode, men’s emotional health consultant Ina Hammer, Founder of IconicMan Mastery, joins Chris Adams to break open the truth about what men are really carrying — and why so many are struggling in silence.

🔥 What we explore in this episode:

• Why saying “I’m fine” is destroying men from the inside
• The growing loneliness crisis among professional men
• Why men still feel pressure to “man up”
• The emotional cost of divorce, burnout and high-pressure careers
• Why vulnerability is strength — not weakness
• The hidden expectations modern men face in dating, relationships and work
• What men can actually do to reclaim emotional strength

If you’re a man in a demanding role — or you care about one — this is an unmissable conversation.

🔗 Guest:

Ina Hammer

Founder, IconicMan Mastery – Men’s Emotional Health Consultant

LinkedIn: https://linkedin.com/in/inahammer2023

Website: https://inahammer.com/

🎙️ Hosted by:

Chris Adams

Founder, Muhami & CJA Consulting

LinkedIn: https://www.linkedin.com/in/chrisadamsdxb/

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

Most professionals have been told the same social media lie. Jacob Scott, Founder of Pint Sized Humour, explains why this misconception holds people back and how a smarter, data-driven approach can transform your visibility and credibility online.

In this episode of Muhami Matters, Chris Adams and Jacob explore the importance of the first five seconds of any video, why hooks matter more than algorithms, and how professionals can build a strong online presence without chasing trends or gimmicks. They also discuss the role of analytics, SEO, content repurposing, and how to reach the right audience rather than the largest.

Guest

Jacob Scott, Founder of Pint Sized Humour

https://www.pintsizedhumour.com/

https://www.linkedin.com/in/jacobscott-socialmedia/

Host

Chris Adams

https://www.linkedin.com/in/chrisadamsdxb/

Muhami

https://muhami.ae/muhami-matters/

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

Everyone says you need to post at the “right time”, use the “right hashtag”, or follow “the algorithm hacks”.

But according to Jacob Scott, Founder of Pint Sized Humour, it’s all one BIG lie.

In this upcoming episode of Muhami Matters, Jacob reveals the truth behind going viral — and how professionals can use data-driven content, powerful hooks, and smarter SEO to grow without losing credibility.

🎙 Guest: Jacob Scott — Founder, Pint Sized Humour

🔗 Website: https://www.pintsizedhumour.com/

🔗 Instagram: https://www.instagram.com/pintsizedhumour/

🔗 Facebook: https://www.facebook.com/p/Pintsizedhumour-61573609460360/

🔗 TikTok: https://www.tiktok.com/@pintsizedhumour

🔗 LinkedIn: https://www.linkedin.com/in/jacobscott-socialmedia/

Hosted by Chris Adams

🔗 LinkedIn: https://www.linkedin.com/in/chrisadamsdxb/

📅 Full episode releases Monday, 24 November.

🔗 Muhami Links

🌐 Website: https://muhami.ae/muhami-matters/

▶ YouTube: http://www.youtube.com/@MuhamiME

📘 Facebook: https://www.facebook.com/p/Muhami-61558815388630/

📸 Instagram: https://www.instagram.com/muhami.ae/

🔗 LinkedIn: https://www.linkedin.com/company/muhami/

🎵 TikTok: https://www.tiktok.com/@muhami.ae

🎧 Acast: https://shows.acast.com/muhami-matters

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

Many professional men carry pressure that is never spoken about. In this episode, Westley Harnett shares honest insights about responsibility, fatherhood, burnout, and the courage required to face difficult truths.

This is one of the most open and powerful conversations we have hosted on Muhami Matters. It will resonate with anyone who is trying to balance work, family, leadership, and personal wellbeing.

Guest: Westley Harnett

Host: Chris Adams

Muhami: https://muhami.ae/muhami-matters/

CJA Consulting: https://www.cjaconsult.com

Chris Adams: https://www.linkedin.com/in/chrisadamsdxb/

Westley Harnett: https://www.linkedin.com/in/westley-harnett-59027514a/

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

Many professional men carry pressure that they rarely speak about. In this trailer, Westley Harnett shares honest insights about responsibility, fatherhood, and the courage it takes to confront difficult truths.

The full episode will be released on Monday.

Guest: Westley Harnett

Host: Chris Adams

Muhami: https://muhami.ae/muhami-matters/

CJA Consulting: https://www.cjaconsult.com

Chris Adams: https://www.linkedin.com/in/chrisadamsdxb/

Westley Harnett: https://ae.linkedin.com/in/westley-harnett-59027514a

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

This week on Muhami Matters, host Chris Adams sits down with Sarah Brooks, founder of Fikrah HR, an award-winning HR strategist helping UAE businesses build compliance-ready, people-centred workplaces.

Together they uncover the truth about HR’s “dirty secret”: it’s not really about compliance.

From contracts and commissions to culture and leadership, Sarah shares candid stories and practical insights into how HR operates in the UAE today.

In this episode:

• The legal and contractual blind spots many UAE companies overlook
• Why HR teams often know and apply employment law day to day
• The risks of commission-only contracts and end-of-service missteps
• How HR evolved post-COVID and the rise of fractional, pay-as-you-go support
• Why leadership behaviour, not HR, sets company culture
• Building cultural intelligence and inclusion in global teams

Sarah also offers advice for HR professionals on balancing integrity with instruction, documenting guidance, and protecting themselves when doing the right thing feels risky.

Guest: Sarah Brooks, Founder, Fikrah HR

Website: https://fikrahhr.com/

LinkedIn: https://www.linkedin.com/in/sarahbrooks-hr-passionate/

Host: Chris Adams

Produced by CJA Consulting • muhami.ae/muhami-matters

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

In this episode of Muhami Matters, Chris Adams speaks with Cat Woolrich, Founder of Nine Yard Marketing, about why “hope” is not a marketing strategy and how professional services firms can move from wishful thinking to measurable, strategic marketing that drives results.

They explore:

✅ Why many professionals still rely on “hope” in their marketing

✅ How to align marketing with business goals

✅ The importance of clear messaging and knowing your audience

✅ How to measure success and know when to pivot

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

In this Muhami Matters trailer, Chris Adams is joined by Cat Woolrich, Founder of Nine Yard Marketing, to explore why “hope” is not a marketing strategy and how professional services firms can move from wishful thinking to measurable, results-driven marketing.

🎧 Full episode launches Monday, 3 November 2025.

🌐 Learn more: https://muhami.ae/muhami-matters/

👤 Guest: https://www.linkedin.com/in/cat-woolrich-96603327/

🏢 Nine Yard Marketing: https://www.nineyardmarketing.co.uk/

🎙️ Host: https://www.linkedin.com/in/chrisadamsdxb/

🎧 Listen to more episodes: https://shows.acast.com/muhami-matters

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

In this episode of Muhami Matters, Chris Adams is joined by Sharon Means, Founder of Sharon Means Business, to discuss the growing trend of fractional leadership and its value for professional firms.

Sharon explains how firms can achieve smarter growth by engaging experienced leaders on a fractional basis, gaining strategic insight without the full-time overhead.

The conversation explores practical ways that fractional executives support business transformation, strengthen leadership teams, and help organisations stay agile in competitive markets.

🎧 Tune in now to discover how thinking fractional could be the key to sustainable success.

🔗 Guest Links

Sharon Means – linkedin.com/in/sharonmeans/

Website – sharon-means-business.com

🎙 Host

Chris Adams – linkedin.com/in/chrisadamsdxb/

🏢 Produced by

CJA Consulting – cjaconsult.com

🎥 Watch the full video episode on YouTube: youtube.com/@MuhamiME

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

In this episode of Muhami Matters, Chris Adams sits down with Sharon Means, Founder of Sharon Means Business, to explore how fractional leadership can help professional firms grow smarter, not just bigger.

Discover how embracing a fractional approach to management and strategy can unlock agility, efficiency, and profitability in your firm.

🎧 Tune in on Monday, 27 October 2025 for the full conversation.

Follow Sharon on LinkedIn

Learn more at www.sharon-means-business.com

🎙️ Hosted by Chris Adams

Produced by CJA Consulting

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

In this episode of Muhami Matters, host Chris Adams speaks with Stuart Mason, author of How to Wreck Your Business and creator of the Inverted Growth Model. Stuart built a multi-million-pound printing company, only to see it collapse on its 20th anniversary. He now helps business owners avoid the same mistakes.

They discuss:

• Why chasing turnover can destroy profit
• The dangers of ego and complacency in business
• The seven levers that truly drive growth
• How to build a sellable business (especially for Gen X owners)
• Why most business owners regret selling their business

🎧 Listen now to discover how failure can become your greatest teacher.

Guest: Stuart Mason

LinkedIn: https://www.linkedin.com/in/stuart-c-mason/

Website: https://www.howtowreckyourbusiness.co.uk/

🎙️ Learn more about the show: https://www.muhami.ae/muhami-matters/

#MuhamiMatters #Muhami #محامي #CJAConsulting #Entrepreneurship #BusinessLeadership #SMEs #BusinessGrowth #InvertedGrowthModel

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

In this upcoming episode of Muhami Matters, host Chris Adams speaks with Stuart Mason, author and business mentor behind How to Wreck Your Business. Stuart shares the hard lessons from years of experience, helping leaders understand what not to do when running a company.

🎧 The full episode will be released on Monday 20 October.

Follow Muhami Matters to stay updated.

🔗 Guest: Stuart Mason on LinkedIn

🌐 howtowreckyourbusiness.co.uk

#MuhamiMatters #Muhami #محامي #CJAConsulting #BusinessLeadership #Entrepreneurship #Startups #BusinessMistakes

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

Chris Adams talks with leadership expert Briony Platt, founder of Lean Into Learning, about the ripple effect of developing mid-level managers. Briony shares practical insights into why training leaders at this level has the biggest impact on employee engagement, retention, and performance.

They explore DISC profiling, leadership coaching, and the real-world lessons Briony learned when she first moved from recruitment into management.

🎧 Listen now to discover:

• How investing in managers transforms culture
• What effective leadership development really looks like
• How self-awareness and communication drive better teams
• 
  

Connect with Briony Platt → https://www.leanintolearning.co.uk/who-are-we/

Follow Chris Adams → https://www.linkedin.com/in/chrisadamsdxb/

#MuhamiMatters #Muhami #محامي #CJAConsulting #Leadership #LearningAndDevelopment #PeopleDevelopment #LeanIntoLearning

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

How do you build better managers, and why does it matter so much?

In this trailer, Chris Adams speaks with Briony Platt, founder of Lean Into Learning, about the power of developing mid-level leaders and how that creates a ripple effect across entire organisations.

From her own experience as a high performer turned leadership trainer, Briony shares insights that will resonate with every business leader.

🗓️ Full episode out Monday, 13 October 2025

#MuhamiMatters #Muhami #محامي #CJAConsulting #Leadership #LearningAndDevelopment #HumanResources #Management #ProfessionalGrowth #LeanIntoLearning

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

In this Muhami Matters episode, Chris Adams is joined by Adam Hoult, Co-Founder of Neutral Carbon Zone, to discuss the rapid rise of ESG across the Middle East.

They unpack how environmental, social and governance factors are shaping supply chains, regulation, and client expectations - and how even small firms can act now to stay ahead.

Highlights:

• Making carbon reporting accessible for SMEs
• Why ESG is now vital for credibility and growth
• The business case for sustainability in professional services

🔗 Neutral Carbon Zone: https://www.neutralcarbonzone.com/

🔗 Adam Hoult on LinkedIn: https://www.linkedin.com/in/adamhoult/

🔗 Chris Adams on LinkedIn: https://www.linkedin.com/in/chrisadamsdxb/

🔗 CJA Consulting: https://www.cjaconsult.com/

🔗 Muhami Matters: https://muhami.ae/muhami-matters/

#MuhamiMatters #Muhami #محامي #CJAConsulting #ESG #Sustainability #MiddleEast #CarbonNeutrality #ClimateAction

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

ESG is not just a global trend. It is a regional priority.

In this Muhami Matters trailer, Chris Adams is joined by Adam Hoult from Neutral Carbon Zone to discuss why ESG is taking centre stage in the Middle East.

Tune in for the full episode launching Monday, 6 October.

#MuhamiMatters #Muhami #محامي #CJAConsulting #ESG #Sustainability #ClimateAction #NeutralCarbonZone

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.

What if the simple word “yes” could cost your organisation billions?

In this episode of Muhami Matters, Chris Adams sits down with Gianni Dell’Aiuto (Studio Legale Dell’Aiuto) to uncover the hidden risks in data, contracts, and digital identity.

🔍 Key insights include:

• Why “yes” in contracts can become a billion-dollar mistake
• The dangers of digital identity theft and “digital twins”
• “Digital dementia” and the unintended effects of technology
• Why GDPR applies worldwide, not just in Europe
• Practical steps companies can take to protect data and build trust

👤 Guest: Gianni Dell’Aiuto

🔗 LinkedIn: https://www.linkedin.com/in/gianni-dell-aiuto/

🌐 Website: http://www.dellaiuto.com

🎙️ Host: Chris Adams

🔗 LinkedIn: https://www.linkedin.com/in/chrisadamsdxb/

🏢 Presented by CJA Consulting

🌐 Website: https://www.cjaconsult.com

Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.

Visit www.cjaconsult.com for marketing & business development services catering to professionals

Hosted on Acast. See acast.com/privacy for more information.