Podcasts about 24b

This week, we look back on an interesting/memorable month as the market experiences a wall of worry, reflecting optimism despite economic disruptions. We look at historical data showing that investing at market tops can still yield positive returns over time. We also advise on why maintaining cash reserves and fixed income is crucial for navigating market volatility, especially for retirees. We'll then examine the rumors about the dollar, showing why it remains strong and is unlikely to lose its reserve currency status in the near term, and we look at international markets' performance, highlighting the importance of diversification in investment portfolios. Finally, we discuss the correlation between stocks and bonds and why investors should focus on long-term growth rather than short-term market fluctuations.  Key Takeaways [0:19] - Climbing the wall of worry [06:12] - What if the market is wrong? [09:43] - The Dollar's reserve status and global implications [17:31] - Individual stocks & a historical perspective on stock and bond correlation View Transcript Links Empty shelves are coming, Apollo economist says — and so is a 'voluntary' recession What if you only invested at market tops? The Dollar Endures: Strength, Stability, and Global Trust Warren Buffett's net worth grows by $24B in 2025 while $5T vanishes from US markets Connect with our hosts Doug Stokes Greg Stokes Stokes Family Office Subscribe and stay in touch Apple Podcasts Spotify lagniappe.stokesfamilyoffice.com Disclosure The information in this podcast is educational and general in nature and does not take into consideration the listener's personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice. To determine which strategies or investments may be suitable for you, consult the appropriate, qualified professional prior to making a final decision. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies referenced in our blogs/podcasts) or any other investment and/or non-investment-related content or services will be profitable, equal any historical performance level(s), be suitable or appropriate for a reader/listener's individual situation, or prove successful. Moreover, no portion of the blog/podcast content should be construed as a substitute for individual advice or services from the financial professional(s) of a reader/listener's choosing, including Stokes Family, LLC, a registered investment adviser with the SEC, with which the blogger/podcasters are affiliated.

Hey everyone, Alex here

Influencer marketing and content creation has grown from the early days of mommy blogs to an estimated $24B global industry—and Gen Z is leading the charge. This episode features a conversation with Jess Hunichen, co-founder of Shine Talent Group, to break down how content creation became a career path, why it resonates with Gen Z, and what's next for the space. You'll hear about: The rise and evolution of influencer marketing What most people get wrong about creators Why Gen Z is uniquely built for this industry What the future holds—from newsletters to investor-creators Whether you're a marketer, creator, or just influencer-curious, this conversation brings insight into the state of the industry and a glimpse at where this digital economy is headed. Learn more about Shine Talent Group.

This is CrossPoliticNews’ Weekly Roundup sponsored by Christian Business Leaders Network. If you want to find out more about this network and its efforts to connect Christian business leaders so that they can more effectively help their businesses and shape culture, visit businessmakers.network. Again, that’s businessmakers.network. As our reporter Justin Chartray wrote, we’ve entered another spring of baseball, and the first game this year was played on March 18th between the Chicago Cubs and the Los Angeles Dodgers. Where did they play? Chicago? Los Angeles? Actually, they played in Tokyo, Japan. This might seem a little weird at first, but there’s some reasoning behind it. Our journalist Justin Chartray interviewed a former pitcher for the MLB named Mark Dewey, who’s also the host of the podcast In the Bullpen. Dewey has been involved in baseball for over twenty years, and he thinks that playing baseball in Tokyo is an overall good thing. For instance, he enjoys the fact that baseball is gaining traction in other places of the world as a popular sport, and so it makes sense to play the first game in Tokyo because many baseball fans live there. "“Overall I see it as a positive move. Now, if I knew the actual motives behind it, I could have all kinds of concerns.” (https://www.crosspoliticnews.com/news/recovering-americas-pasttime) After all, there are reasons to believe that baseball’s popularity is generally declining in America. Local networks are struggling, there are fewer people who watch it, and young boys don't seem to be playing it as much. Why? Well, baseball is a bit more expensive and particularized than other sports that just need a ball to kick or throw. Also, people might not be as interested in baseball because it requires more attention and patience than most social media influenced Americans want to give a sport. Over the years, baseball has continued trying to keep peoples’ interest through shortening the game, by playing loud music, by including dancing girls, and by finishing off games with a fireworks finale. Mark Dewey, the former MLB pitcher mentioned earlier, notice that this overall change in baseball actually started around 35 years ago, and we’re still seeing it today. "I have no problem trying to grow the game, trying to involve more fans. But I’m convinced if baseball sets all kinds of revenue records, I would still argue that the vast majority of that has nothing to do with baseball fans. You’re not developing fans, you’re expanding a customer base.” (https://www.crosspoliticnews.com/news/recovering-americas-pasttime) Even worse, America is seeking globalism at the cost of its morality, much like its neighbor across the Atlantic—Europe. Terrible ideology is pouring out of America’s big colleges into the baseball diamond, and it’s slowly rotting the sport. In order to rekindle America’s love for good baseball, Dewey says that we need to start baseball again in the home and then in that home’s surrounding community. Then, along with cultivating this humbler, neighborhood mindset, we must fight the other major problems plaguing baseball and our culture, which are self-idolatry and self-obsession. This idolatry must be killed if we want to restore baseball to the iconic American game that it once was. Our journalist Esther Elliott recently interviewed Samuel Sey, a black Christian, conservative blogger who fights against and explains the ideological problems of our culture. He enjoys explaining topics through a biblical lens, and coupled with this, he also uses stories to help persuade his audience better. In this interview, Sey mentioned that while he was interested in politics since the start of high school, it wasn’t until Christians voted for Obama in 2008 and the BLM riots happened a decade later that he really wanted to explore the topic of politics more. Now, he has a blog called Slow to Write where he posts about politics and became his full-time job after it was received well around 2020. If you want to find out more about this article and read some insightful quotes about our culture, make sure to check out “A Black Conservative Perspective on Culture: An Interview With Samuel Sey” by our journalist Esther Elliott. To discover more news, check out some of our other articles, such as "Missouri Wins Lawsuit Against China with $24B ruling" by our journalist Wes Walker, or even "The Mainstream Narrative is Not Real: Investigating the Case of Tiffany Gomas" by our reporter Luke Edison, or even “‘Severance’ Season 2 Review” by our journalist Wes Walker. Here at CrossPoliticNews, we want to faithfully deliver you unbiased news from a Christian worldview. For more content, you can find us on YouTube at CrossPolitic News, follow us on X at cpnewsusa or cpnewsaus in Australia, or head to our email list and find us at CrossPoliticNews.com.

This is CrossPoliticNews’ Weekly Roundup sponsored by Christian Business Leaders Network. If you want to find out more about this network and its efforts to connect Christian business leaders so that they can more effectively help their businesses and shape culture, visit businessmakers.network. Again, that’s businessmakers.network. As our reporter Justin Chartray wrote, we’ve entered another spring of baseball, and the first game this year was played on March 18th between the Chicago Cubs and the Los Angeles Dodgers. Where did they play? Chicago? Los Angeles? Actually, they played in Tokyo, Japan. This might seem a little weird at first, but there’s some reasoning behind it. Our journalist Justin Chartray interviewed a former pitcher for the MLB named Mark Dewey, who’s also the host of the podcast In the Bullpen. Dewey has been involved in baseball for over twenty years, and he thinks that playing baseball in Tokyo is an overall good thing. For instance, he enjoys the fact that baseball is gaining traction in other places of the world as a popular sport, and so it makes sense to play the first game in Tokyo because many baseball fans live there. "“Overall I see it as a positive move. Now, if I knew the actual motives behind it, I could have all kinds of concerns.” (https://www.crosspoliticnews.com/news/recovering-americas-pasttime) After all, there are reasons to believe that baseball’s popularity is generally declining in America. Local networks are struggling, there are fewer people who watch it, and young boys don't seem to be playing it as much. Why? Well, baseball is a bit more expensive and particularized than other sports that just need a ball to kick or throw. Also, people might not be as interested in baseball because it requires more attention and patience than most social media influenced Americans want to give a sport. Over the years, baseball has continued trying to keep peoples’ interest through shortening the game, by playing loud music, by including dancing girls, and by finishing off games with a fireworks finale. Mark Dewey, the former MLB pitcher mentioned earlier, notice that this overall change in baseball actually started around 35 years ago, and we’re still seeing it today. "I have no problem trying to grow the game, trying to involve more fans. But I’m convinced if baseball sets all kinds of revenue records, I would still argue that the vast majority of that has nothing to do with baseball fans. You’re not developing fans, you’re expanding a customer base.” (https://www.crosspoliticnews.com/news/recovering-americas-pasttime) Even worse, America is seeking globalism at the cost of its morality, much like its neighbor across the Atlantic—Europe. Terrible ideology is pouring out of America’s big colleges into the baseball diamond, and it’s slowly rotting the sport. In order to rekindle America’s love for good baseball, Dewey says that we need to start baseball again in the home and then in that home’s surrounding community. Then, along with cultivating this humbler, neighborhood mindset, we must fight the other major problems plaguing baseball and our culture, which are self-idolatry and self-obsession. This idolatry must be killed if we want to restore baseball to the iconic American game that it once was. Our journalist Esther Elliott recently interviewed Samuel Sey, a black Christian, conservative blogger who fights against and explains the ideological problems of our culture. He enjoys explaining topics through a biblical lens, and coupled with this, he also uses stories to help persuade his audience better. In this interview, Sey mentioned that while he was interested in politics since the start of high school, it wasn’t until Christians voted for Obama in 2008 and the BLM riots happened a decade later that he really wanted to explore the topic of politics more. Now, he has a blog called Slow to Write where he posts about politics and became his full-time job after it was received well around 2020. If you want to find out more about this article and read some insightful quotes about our culture, make sure to check out “A Black Conservative Perspective on Culture: An Interview With Samuel Sey” by our journalist Esther Elliott. To discover more news, check out some of our other articles, such as "Missouri Wins Lawsuit Against China with $24B ruling" by our journalist Wes Walker, or even "The Mainstream Narrative is Not Real: Investigating the Case of Tiffany Gomas" by our reporter Luke Edison, or even “‘Severance’ Season 2 Review” by our journalist Wes Walker. Here at CrossPoliticNews, we want to faithfully deliver you unbiased news from a Christian worldview. For more content, you can find us on YouTube at CrossPolitic News, follow us on X at cpnewsusa or cpnewsaus in Australia, or head to our email list and find us at CrossPoliticNews.com.

This is CrossPoliticNews’ Weekly Roundup sponsored by Christian Business Leaders Network. If you want to find out more about this network and its efforts to connect Christian business leaders so that they can more effectively help their businesses and shape culture, visit businessmakers.network. Again, that’s businessmakers.network. As our reporter Justin Chartray wrote, we’ve entered another spring of baseball, and the first game this year was played on March 18th between the Chicago Cubs and the Los Angeles Dodgers. Where did they play? Chicago? Los Angeles? Actually, they played in Tokyo, Japan. This might seem a little weird at first, but there’s some reasoning behind it. Our journalist Justin Chartray interviewed a former pitcher for the MLB named Mark Dewey, who’s also the host of the podcast In the Bullpen. Dewey has been involved in baseball for over twenty years, and he thinks that playing baseball in Tokyo is an overall good thing. For instance, he enjoys the fact that baseball is gaining traction in other places of the world as a popular sport, and so it makes sense to play the first game in Tokyo because many baseball fans live there. "“Overall I see it as a positive move. Now, if I knew the actual motives behind it, I could have all kinds of concerns.” (https://www.crosspoliticnews.com/news/recovering-americas-pasttime) After all, there are reasons to believe that baseball’s popularity is generally declining in America. Local networks are struggling, there are fewer people who watch it, and young boys don't seem to be playing it as much. Why? Well, baseball is a bit more expensive and particularized than other sports that just need a ball to kick or throw. Also, people might not be as interested in baseball because it requires more attention and patience than most social media influenced Americans want to give a sport. Over the years, baseball has continued trying to keep peoples’ interest through shortening the game, by playing loud music, by including dancing girls, and by finishing off games with a fireworks finale. Mark Dewey, the former MLB pitcher mentioned earlier, notice that this overall change in baseball actually started around 35 years ago, and we’re still seeing it today. "I have no problem trying to grow the game, trying to involve more fans. But I’m convinced if baseball sets all kinds of revenue records, I would still argue that the vast majority of that has nothing to do with baseball fans. You’re not developing fans, you’re expanding a customer base.” (https://www.crosspoliticnews.com/news/recovering-americas-pasttime) Even worse, America is seeking globalism at the cost of its morality, much like its neighbor across the Atlantic—Europe. Terrible ideology is pouring out of America’s big colleges into the baseball diamond, and it’s slowly rotting the sport. In order to rekindle America’s love for good baseball, Dewey says that we need to start baseball again in the home and then in that home’s surrounding community. Then, along with cultivating this humbler, neighborhood mindset, we must fight the other major problems plaguing baseball and our culture, which are self-idolatry and self-obsession. This idolatry must be killed if we want to restore baseball to the iconic American game that it once was. Our journalist Esther Elliott recently interviewed Samuel Sey, a black Christian, conservative blogger who fights against and explains the ideological problems of our culture. He enjoys explaining topics through a biblical lens, and coupled with this, he also uses stories to help persuade his audience better. In this interview, Sey mentioned that while he was interested in politics since the start of high school, it wasn’t until Christians voted for Obama in 2008 and the BLM riots happened a decade later that he really wanted to explore the topic of politics more. Now, he has a blog called Slow to Write where he posts about politics and became his full-time job after it was received well around 2020. If you want to find out more about this article and read some insightful quotes about our culture, make sure to check out “A Black Conservative Perspective on Culture: An Interview With Samuel Sey” by our journalist Esther Elliott. To discover more news, check out some of our other articles, such as "Missouri Wins Lawsuit Against China with $24B ruling" by our journalist Wes Walker, or even "The Mainstream Narrative is Not Real: Investigating the Case of Tiffany Gomas" by our reporter Luke Edison, or even “‘Severance’ Season 2 Review” by our journalist Wes Walker. Here at CrossPoliticNews, we want to faithfully deliver you unbiased news from a Christian worldview. For more content, you can find us on YouTube at CrossPolitic News, follow us on X at cpnewsusa or cpnewsaus in Australia, or head to our email list and find us at CrossPoliticNews.com.

Missouri wins $24B judgment against China in COVID lawsuit Please Subscribe + Rate & Review KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson wherever you listen! --- KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi & E. Curtis Johnson – KMJ’s Afternoon Drive Weekdays 2-6 PM Pacific on News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Missouri wins $24B judgment against China in COVID lawsuit Please Subscribe + Rate & Review KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson wherever you listen! --- KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi & E. Curtis Johnson – KMJ’s Afternoon Drive Weekdays 2-6 PM Pacific on News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

AlabamaSen. Tuberville offers the Sunshine Protection Act for at least 3rd timeState senator says AL's transgender school should not get taxpayer fundsGeorge Soros funds protests against DOGE, one group started in HuntsvilleKY man gets additional charges for engaging in sex with AL studentHundreds took part in commemorating 65th anniversary of "Bloody Sunday"NationalMan shot and injured outside WH after brandishing a gun to SS agentsHouse GOP has a funding bill/CR approved by President TrumpICE agents arrest pro-Palestine activist over protests at Columbia University DHS Secretary says tariffs on Canada/Mexico are about the flow of fentanylStacy Abrams of GA defends her Non profit for getting $2B from EPAMissouri awarded $24B after suing China for the Covid 19 pandemicJoe Biden's use of "autopen" to sign docs brings up questions of legitimacy

Josefův životní příběh je jako jízda na horské dráze. Z oblíbeného a privilegovaného syna se stane otrok pak vězeň, ale nakonec zachrání nejen svou rodinu, ale i celý národ. A přitom všem zůstává věrný Bohu a učí se správně reagovat na všechny možné situace, ve kterých se ocitne.Naše současnost není o tolik jiná… a tak je toho hodně, co se ze života Josefa můžeme naučit a čím se inspirovat.Řím 15:4Všechno, co bylo v minulosti zapsáno, bylo zapsáno pro naše poučení, abychom díky vytrvalosti a povzbuzení, které je v Písmu, měli naději.1. Moj. 29, 31; 30, 1Když Hospodin viděl že Lea je nemilovaná, otevřel její lůno. Ráchel však byla neplodná. Když Ráchel viděla, že Jákobovi nerodí děti, záviděla své sestře a řekla Jákobovi, dej mi syny nebo umřu.1. Moj. 30, 22 - 24Bůh však pamatoval i na Ráchel. Vyslyšel ji a otevřel její lůno. Počala tedy a když porodila syna řekla: „Bůh mě zbavil mé hanby, a tak mu dala jméno Jozef = Přídavek, neboť řekla, kéž mi Hospodin přidá dalšího života Syna.”1. Moj. 35, 15 - 18Když už byli nedaleko Efraty, začala Ráchel rodit a měla těžký porod. V nejtěžší chvíli jí porodní bába řekla: „Neboj se, i tentokrát budeš mít syna!“ když ji opouštěl život (neboť umírala), dala dítěti jméno Ben-oní, Syn mé bolesti. Jeho otec ho však pojmenoval Benjamín, Syn pravice.1. Moj. 32, 8Na Jákoba padl veliký strach a úzkost. Rozdělil své lidi, brav, skot i velbloudy do dvou táborů, neboť si pomyslel: „Přijde-li Ezau k jednomu táboru a pobije ho, bude se ten druhý tábor moci zachránit.”1. Moj. 33, 1 - 3Když potom Jákob pozvedl oči, hle, spatřil přicházet Ezaua a s ním čtyři sta mužů. Rozdělil tedy děti mezi Léu, Ráchel a ty dvě otrokyně a postavil otrokyně s jejich dětmi dopředu, Léu s jejími dětmi za ně a Ráchel s Josefem dozadu. Sám pak šel před nimi a sedmkrát se poklonil až k zemi, než došel ke svému bratru.1. Moj. 37, 3 - 4Izrael miloval Josefa víc než všechny své ostatní syny, neboť ho zplodil ve svém stáří. Dokonce mu udělal zdobenou suknici. Když ale jeho bratři zjistili, že ho jejich otec miluje víc než je, začali ho nenávidět. Nebyli s ním schopni ani klidně promluvit.

Hoy es un episodio especial, uno que marca el cierre de una etapa increíble en Ingeniosos de Sistemas. Ha sido un viaje lleno de aprendizajes, descubrimientos y momentos compartidos con todos ustedes. En este episodio quiero agradecerles por haber sido parte de esta comunidad y contarles qué sigue en esta nueva etapa. ¡Acompáñenme en este último capítulo!Noticias: La IA de DeepMind supera a los matemáticos olímpicos Apple crea un robot lámpara con expresividad clave para la IA doméstica Elon Musk ofrece 97 mil millones de dólares para recuperar OpenAI La inteligencia artificial se hace presente en el Super Bowl con comerciales llamativos Tensiones globales en la cumbre de IA de París Perplexity lanza un nuevo y revolucionario modelo de IA: Sonar OpenAI presenta su nuevo modelo GPT-5 y cancela el lanzamiento de o3 Adobe lanza generador de video con inteligencia artificial seguro para derechos de propiedad intelectual Anthropics prepara el próximo gran modelo de IA, Claude YouTube introduce generador de vídeos de IA en ShortsHerramientas:Krea ChatUtiliza comandos de lenguaje natural para crear y editar imágenes.LINKMistral Small 3Modelo de 24B de código abierto con mayor velocidad y precisión.LINKTaloTraductor de voz en tiempo real para videollamadas.LINKTanaPon tus notas a trabajar con voz e IA.LINKZonos-v0.1Modelos de TTS de código abierto en tiempo real con clonación de vozLINKLuma Ray2Nueva imagen a video con mayor realismo y movimientoLINKCursorAgente de codificación con nueva integración de herramientas personalizadas y una búsqueda semántica mejoradaLINKReaddyGenerar diseños profesionales en segundos con código listo para usarLINKDeepgramIntroduciendo Nova-3, el primer modelo de IA de voz con transcripción de habla multilingüe en tiempo realLINKPerplexity SonarNuevo modelo mejorado con velocidad de respuesta 10 veces más rápidaLINKDeepScaleRModelo de código abierto de 1.5B con capacidad excepcional de razonamiento matemáticoLINK3D AI Studio V3Generar, organizar y editar modelos 3DLINKFirefly Video ModelHerramienta de generación de vídeos AI de AdobeLINKLoveable Visual EditsHerramienta de desarrollo rápido y preciso de aplicaciones AI con experiencia similar a FigmaLINKBeatoven AICompositor de música AI para crear música de fondo perfectaLINKAlice.techConvierte materiales de curso genéricos en aprendizaje personalizado y preparación para exámenesLINKFirefly Video ModelHerramienta de generación de vídeos AI de AdobeLINKLoveable Visual EditsHerramienta de desarrollo rápido y preciso de aplicaciones AI con experiencia similar a FigmaLINKBeatoven AI Compositor de música AI para crear música de fondo perfectaLINKAlice.techConvierte materiales de curso genéricos en aprendizaje personalizado y preparación para exámenesLINKApúntate a la academiaCanal de telegram  y  Canal de YoutubePregunta por Whatsapp +34 620 240 234Déjame un mensaje de voz

En el mundo de la computación en la nube y la automatización, gestionar infraestructura de manera eficiente se ha vuelto fundamental para los equipos de desarrollo y operaciones. En este episodio, exploraremosInfraestructura como Código (IaC), una metodología que ha revolucionado la manera en que aprovisionamos y administramos servidores, redes y otros recursos de TI. Nos centraremos enTerraform, una de las herramientas más potentes para definir infraestructura de forma declarativa y multi-nube. ¿Cómo funciona? ¿Por qué es tan útil? ¿Cómo se diferencia de otras herramientas como Kubernetes? Acompáñanos en este recorrido donde responderemos todas estas preguntas y te mostraremos cómo puedes empezar a usar Terraform en tus propios proyectos.Noticias:OpenAI lanza asistente de investigación AIOpenAI presenta modelo de razonamiento o3-miniSoftBank anuncia una fuerte inversión en OpenAI y lanza 'Cristal Intelligence' para empresas japonesas.El Parlamento Europeo invierte $56 millones para desarrollar una alternativa de inteligencia artificial de código abierto.ByteDance presenta OmniHuman-1, su revolucionario modelo de IA para generar videos realistasApple presenta Invites, una aplicación de planificación de eventos impulsada por IAMistral lanza una nueva versión de su asistente 'le Chat' con mejor velocidad de respuesta e opciones de despliegue flexible.GitHub potencia Copilot con nuevas funciones autónomas de generación de código.Herramientas:Ask For MeIA de Googleque llama a las empresas en tu nombreLINKTalk to a Live RepresentativeIA de Googleque espera en espera por tiLINKMistral Small 3Nuevo modelo de código abierto de 24B de parámetros rápido y potenteLINKRiffusionCrea canciones completas de forma gratuita a partir de texto, imágenes o audiosLINKOpenAI Deep ResearchUn nuevo ChatGPT Pro que hace extensa investigación en la web y entrega informes detallados con citas.LINKGeospy AIEncuentra la ubicación de cualquier foto analizando sus píxeles.LINKTanaUn espacio de trabajo nativo de IA que convierte las notas en tareas de trabajo.LINKOpen Deep ResearchUna alternativa de código abierto a Gemini y OpenAI Deep Research.LINKPlayAI Dialog 1.0Modelo de IA de texto a voz con enfoque en "voces ultraemocionales"LINKReplit iOS AppConvierta sus ideas en aplicaciones con la nueva aplicación de IA para iPhone de ReplitLINKOpenAI KitUn portal gratuito de respuestas de investigación exhaustivas de la función DeepResearch de OpenAILINKEarkickUna aplicación de salud mental para iOS con IA totalmente anónima sin necesidad de registro o recopilación de datosLINKBuild a personal AI automation toolEn este tutorial, aprenderás a construir tu propia automatización de IA que funciona de forma local y privada utilizando la plataforma de automatización de N8N y los modelos de lenguaje de OllamaLINKYour path to powerful AI agentsEl nuevo eBook de Galileo te ofrece una hoja de ruta de 100 páginas para crear agentes de IA confiables, con estrategias para navegar problemas como la selección de marco, la optimización del rendimiento y evitar errores comunesLINKAI creates a database to help detect cancer earlierLos investigadores de Johns Hopkins acaban de crear AbdomenAtlas, un conjunto de datos impulsado por IA de 45,000 exploraciones 3D de TC con 142 estructuras anatómicas anotadas, aumentando de manera drástica el análisis de imágenes médicas para la detección temprana del cáncerLINKInvitesHerramienta de planificación de fiestas impulsada por IA de AppleLINKLivekitNuevo modelo de detección de turno de código abierto para IA de voz naturalLINKa0 DevGenera aplicaciones móviles completas con IA en minutosLINKChatbaseAgentes de IA para experiencias de atención al cliente mágicasLINKApúntate a la academiaCanal de telegram  y Canal de YoutubePregunta por Whatsapp +34 620 240 234Déjame un mensaje de voz

Hey folks, Alex here

Wes, Eneasz, and David keep the rationalist community informed about what's going on outside of the rationalist communitySupport us on Substack!News discussed:Early signs look like congestion pricing is reducing traffic in ManhattanTrump sentenced to “unconditional discharge”Dockworkers union has a tentative dealFIRE to defend pollster in Trump lawsuit over outlier election pollSome accounts criticized H1B visas and Elon retaliated by removing their verificationAt least 24 people killed in LA firesOver 12,000 homes and businesses burnedNewsome executive order waives CEQA and Coastal Act requirements for rebuildingThere will be no post-blitz boomMayor of LA ensures very little rebuilding will happenThe state of California got 6 month's advance warning from the best risk-assessment professionalsEvery time an insurance company wants to raise rates for automobiles or homes, they have to have a public hearing and an elected insurance commissioner has to approve.1600 policies cancelled in the Palisades over the summer (major devastation area).FAIR testified it only had about $385 million, LA fires could have up to $24B of exposureNewsome bans insurance companies from not renewing policiesBiden blocked sale of US Steel to Nippon SteelBlinken, Yellen, and many other advisors against the blockNippon Steel and US Steel filing suit to challengeFederal judge found that requiring teachers to use preferred pronouns violates 1AAlso struck down the Biden administration's unconstitutional Title IX rulesTrudeau is donezoCFPB banned medical debt from lowering credit scoresMeta going based for Trump yearsFired chief diversity officer, ended diversity goals, stopped prioritizing minority-owned businessesRemoved tampons from mens bathroomsThe Sadam Statues are falling - HananiaPretty good Nate Silver piece on thisTik Tok is probably going to shut down on January 19thNews You Can Ignore“Grooming Gangs”?. (counter: Free Press?)Elon Musk bought his Path of Exile account and his ranking in Diablo 4 is out of under 1000 players (Trace called it)Happy News!Amazon moving forward with WarHammer 40K series starring and lead by Henry Cavil.WarHammer is For RomanticsUS govt funding bird flu vaccine research and stocking up on vaccinesThe Bukele Administration has turned the country from the most murderous in Latin America to the safestWeather nerds found out where the water went during California's drought!Minnesota Summer Camp for HIV-Positive Kids Closes Down–Because There Aren't Any MoreScientists drilled a 1.2M year old ice core out of AntarcticaTroop DeploymentEneasz - I have just released a short story collection titled Dear GromGot something to say? Come chat with us on the Bayesian Conspiracy Discord or email us at themindkillerpodcast@gmail.com. Say something smart and we'll mention you on the next show!Follow us!RSS: http://feeds.feedburner.com/themindkillerGoogle: https://play.google.com/music/listen#/ps/Iqs7r7t6cdxw465zdulvwikhekmPocket Casts: https://pca.st/vvcmifu6Stitcher: https://www.stitcher.com/podcast/the-mind-killerApple: Intro/outro music: On Sale by Golden Duck Orchestra This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit mindkiller.substack.com/subscribe

1UNITED STATES BANKRUPTCY COURTSOUTHERN DISTRICT OF TEXASHOUSTON DIVISIONIn re:INTRUM AB, et al.,1Debtors.Chapter 11Case No. 24-90575 (CML)(Jointly Administered)NOTICE OF APPEALPursuant to 28 U.S.C. § 158(a) and Federal Rules of Bankruptcy Procedure 8002 and 8003,notice is hereby given that the Ad Hoc Committee of holders of 2025 notes issued by Intrum AB(the “AHC”) hereby appeals to the United States District Court for the Southern District of Texasfrom (i) the Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262) (the “Motion to Dismiss Order”) and (ii) theOrder (I) Approving Disclosure Statement and (II) Confirming Joint Prepackaged Chapter 11Plan of Intrum AB and Its Affiliated Debtor (Further Technical Modifications) (ECF No. 263) (the“Confirmation Order”). A copy of the Motion to Dismiss Order is attached as Exhibit A and acopy of the Confirmation Order is attached as Exhibit B. Additionally, the transcript of theBankruptcy Court's oral ruling accompanying the Motion to Dismiss Order and ConfirmationOrder (ECF No. 275) is attached as Exhibit C.Below are the names of all parties to this appeal and their respective counsel:1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors'service address in these Chapter 11 Cases is 801 Travis Street, Ste 2101, #1312, Houston, TX 77002.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 1 of 62I. APPELLANTA. Name of Appellant:The members of the AHC include:Boundary Creek Master Fund LP; CF INT Holdings Designated Activity Company; CaiusCapital Master Fund; Diameter Master Fund LP; Diameter Dislocation Master Fund II LP; FirTree Credit Opportunity Master Fund, LP; MAP 204 Segregated Portfolio, a segregated portfolioof LMA SPC; Star V Partners LLC; and TQ Master Fund LP.Attorneys for the AHC:QUINN EMANUEL URQUHART & SULLIVAN, LLPChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comB. Positions of appellant in the adversary proceeding or bankruptcy case that isthe subject of this appeal:CreditorsCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 2 of 63II. THE SUBJECT OF THIS APPEALA. Judgment, order, or decree appealed from:The Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262); the Order (I) Approving Disclosure Statementand (II) Confirming Joint Prepackaged Chapter 11 Plan of Intrum AB and Its Affiliated Debtor(Further Technical Modifications) (ECF No. 263); and the December 31, 2024 Transcript of OralRuling Before the Honorable Christopher M. Lopez United States Bankruptcy Court Judge (ECFNo. 275).B. The date on which the judgment, order, or decree was entered:The Motion to Dismiss Order and the Confirmation Order were entered on December 31,2024. The Court issued its oral ruling accompanying the Motion to Dismiss Order and theConfirmation Order on December 31, 2024.III. OTHER PARTIES TO THIS APPEALIntrum AB and Intrum AB of Texas LLCMILBANK LLPDennis F. Dunne (admitted pro hac vice)Jaimie Fedell (admitted pro hac vice)55 Hudson YardsNew York, NY 10001Telephone: (212) 530-5000Facsimile: (212) 530-5219Email: ddunne@milbank.comjfedell@milbank.com–and–Andrew M. Leblanc (admitted pro hac vice)Melanie Westover Yanez (admitted pro hac vice)1850 K Street, NW, Suite 1100Washington, DC 20006Telephone: (202) 835-7500Facsimile: (202) 263-7586Email: aleblanc@milbank.commwyanez@milbank.com–and–PORTER HEDGES LLPJohn F. Higgins (SBN 09597500)Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 3 of 64Eric D. Wade (SBN 00794802)M. Shane Johnson (SBN 24083263)1000 Main Street, 36th FloorHouston TX 77002Telephone: (713) 226-6000Facsimile: (713) 226-6248Email: jhiggins@porterhedges.comewade@porterhedges.comsjohnson@porterhedges.comIV. OTHER PARTIES THAT MAY HAVE AN INTEREST IN THIS APPEALThe following chart lists certain parties that are not parties to this appeal, but that may havean interest in the outcome of the case. These parties should be served with notice of this appealby the Debtors who are aware of their identities and best positioned to provide notice.All Other Creditors of the Debtors, Including, But Not Limited To:• Certain funds and accounts managed by BlackRock Investment Management (UK)Limited or its affiliates;• Capital Four;• Davidson Kempner European Partners, LLP;• Intermediate Capital Managers Limited;• Mandatum Asset Management Ltd;• H.I.G. Capital, LLC;• Spiltan Hograntefond; Spiltan Rantefond Sverige; and Spiltan Aktiefond Stabil;• The RCF SteerCo Group;• Swedbank AB (publ).Any Holder of Stock of the Debtors• Any holder of stock of the Debtors, including their successors and assigns.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 4 of 65Respectfully submitted this 13th day of January, 2025.QUINN EMANUEL URQUHART &SULLIVAN, LLP/s/ Christopher D. PorterChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comCOUNSEL FOR THE AD HOC COMMITTEE OFINTRUM AB 2025 NOTEHOLDERSCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 5 of 6CERTIFICATE OF SERVICEI, Christopher D. Porter, hereby certify that on the 13th day of January, 2025, a copy ofthe foregoing document has been served via the Electronic Case Filing System for the UnitedStates Bankruptcy Court for the Southern District of Texas./s/ Christopher D. PorterBy: Christopher D. PorterCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 6 of 6EXHIBIT ACase 24-90575 Document 296-1 Filed in TXSB on 01/13/25 Page 1 of 31IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB, et al.,1 ) Case No. 24-90575 (CML)))Jointly AdministeredDebtors. ))ORDER DENYING MOTION OF THE AD HOCCOMMITTEE OF HOLDERS OF INTRUM AB NOTES DUE 2025TO DISMISS CHAPTER 11 CASES PURSUANT TO 11 U.S.C. § 1112(B) ANDFEDERAL RULE OF BANKRUPTCY PROCEDURE 1017(F)(1)(Related to Docket No. 27)This matter, having come before the Court upon the Motion of the Ad Hoc Committee ofHolders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. §1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) [Docket No. 27] (the “Motion toDismiss”); and this Court having considered the Debtors' Objection to the Motion of the Ad HocCommittee of Holders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11U.S.C. § 1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) (the “Objection”) andany other responses or objections to the Motion to Dismiss; and this Court having jurisdiction overthis matter pursuant to 28 U.S.C. § 1334 and the Amended Standing Order; and this Court havingfound that this is a core proceeding pursuant to 28 U.S.C. § 157(b)(2); and this Court having foundthat it may enter a final order consistent with Article III of the United States Constitution; and thisCourt having found that the relief requested in the Objection is in the best interests of the Debtors'1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these Chapter 11 Cases is 801 Travis Street, STE 2101, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f2 32estates; and this Court having found that the Debtors' notice of the Objection and opportunity fora hearing on the Motion to Dismiss and Objection were appropriate and no other notice need beprovided; and this Court having reviewed the Motion to Dismiss and Objection and havingheard the statements in support of the relief requested therein at a hearing before this Court; andthis Court having determined that the legal and factual bases set forth in the Objectionestablish just cause for the relief granted herein; and upon all of the proceedings had beforethis Court; and after due deliberation and sufficient cause appearing therefor, it is HEREBYORDERED THAT:1. The Motion to Dismiss is Denied for the reasons stated at the December 31, 2024 hearing.2. This Court retains exclusive jurisdiction and exclusive venue with respect to allmatters arising from or related to the implementation, interpretation, and enforcement of this Order.DAeucegmubste 0r 23,1 2, 0210294CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f2 3EXHIBIT BCase 24-90575 Document 296-2 Filed in TXSB on 01/13/25 Page 1 of 135IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB et al.,1 ) Case No. 24-90575 (CML)))(Jointly Administered)Debtors. ))ORDER (I) APPROVINGDISCLOSURE STATEMENT AND(II) CONFIRMING JOINT PREPACKAGED CHAPTER 11PLAN OF INTRUM AB AND ITS AFFILIATEDDEBTOR (FURTHER TECHNICAL MODIFICATIONS)The above-captioned debtors and debtors in possession (collectively, the“Debtors”), having:a. entered into that certain Lock-Up Agreement, dated as of July 10, 2024 (asamended and restated on August 15, 2024, and as further modified,supplemented, or otherwise amended from time to time in accordance with itsterms, the “the Lock-Up Agreement”) and that certain Backstop Agreement,dated as of July 10, 2024, (as amended and restated on November 15, 2024 andas further modified, supplemented, or otherwise amended from time to time inaccordance with its terms), setting out the terms of the backstop commitmentsprovided by the Backstop Providers to backstop the entirety of the issuance ofNew Money Notes (as may be further amended, restated, amended and restated,modified or supplemented from time to time in accordance with the termsthereof, the “Backstop Agreement”) which set forth the terms of a consensualfinancial restructuring of the Debtors;b. commenced, on October 17, 2024, a prepetition solicitation (the “Solicitation”)of votes on the Joint Prepackaged Chapter 11 Plan of Reorganization of IntrumAB and its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (asthe same may be further amended, modified and supplemented from time totime, the “Plan”), by causing the transmittal, through their solicitation andballoting agent, Kroll Restructuring Administration LLC (“Kroll”), to theholders of Claims entitled to vote on the Plan of, among other things: (i) the1 The Debtors in these chapter 11 cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these chapter 11 cases is 801 Travis Street, STE 2102, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f1 133452Plan, (ii) the Disclosure Statement for Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate (as the same may befurther amended, modified and supplemented from time to time, the“Disclosure Statement”), and (iii) the Ballots and Master Ballot to vote on thePlan (the “Ballots”), (iv) the Affidavit of Service of Solicitation Materials[Docket No. 7];c. commenced on November 15, 2024 (the “Petition Date”), these chapter 11 cases(these “Chapter 11 Cases”) by filing voluntary petitions in the United StatesBankruptcy Court for the Southern District of Texas (the “Bankruptcy Court”or the “Court”) for relief under chapter 11 of title 11 of the United States Code(the “Bankruptcy Code”);d. Filed on November 15, 2024, the Affidavit of Service of Solicitation Materials[Docket No. 7] (the “Solicitation Affidavit”);e. Filed, on November 16, 2024 the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Technical Modifications) [Docket No. 16] and theDisclosure Statement for Joint Prepackaged Chapter 11 Plan of Intrum AB andits Debtor Affiliate [Docket No. 17];f. Filed on November 16, 2024, the Declaration of Andrés Rubio in Support of ofthe Debtors' Chapter 11 Petitions and First Day Motions [Docket No. 14] (the“First Day Declaration”);g. Filed on November 17, 2024, the Declaration of Alex Orchowski of KrollRestructuring Administration LLC Regarding the Solicitation of Votes andTabulation of Ballots Case on the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code [Docket No. 18] (the “Voting Declaration,” andtogether with the Plan, the Disclosure Statement, the Ballots, and theSolicitation Affidavit, the “Solicitation Materials”);h. obtained, on November 19, 2024, the Order(I) Scheduling a Combined Hearingon (A) Adequacy of the Disclosure Statement and (B) Confirmation of the Plan,(II) Approving Solicitation Procedures and Form and Manner of Notice ofCommencement, Combined Hearing, and Objection Deadline, (III) FixingDeadline to Object to Disclosure Statement and Plan, (IV) Conditionally (A)Directing the United States Trustee Not to Convene Section 341 Meeting ofCreditors and (B) Waiving Requirement to File Statements of Financial Affairsand Schedules of Assets and Liabilities, and (V) Granting Related Relief[Docket No. 71] (the “Scheduling Order”), which, among other things: (i)approved the prepetition solicitation and voting procedures, including theConfirmation Schedule (as defined therein); (ii) conditionally approved theDisclosure Statement and its use in the Solicitation; and (iii) scheduled theCombined Hearing on December 16, 2024, at 1:00 p.m. (prevailing CentralCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f1 133453Time) to consider the final approval of the Disclosure Statement and theconfirmation of the Plan (the “Combined Hearing”);i. served, through Kroll, on November 20, 2025, on all known holders of Claimsand Interests, the U.S. Trustee and certain other parties in interest, the Noticeof: (I) Commencement of Chapter 11 Bankruptcy Cases; (II) Hearing on theDisclosure Statement and Confirmation of the Plan, and (III) Certain ObjectionDeadlines (the “Combined Hearing Notice”) as evidence by the Affidavit ofService [Docket No. 160];j. caused, on November 25 and 27, 2024, the Combined Hearing Notice to bepublished in the New York Times (national and international editions) and theFinancial Times (international edition), as evidenced by the Certificate ofPublication [Docket No. 148];k. Filed and served, on December 10, 2024, the Plan Supplement for the Debtors'Joint Prepackaged Chapter 11 Plan of Reorganization [Docket 165];l. Filed on December 10, 2024, the Declaration of Jeffrey Kopa in Support ofConfirmation of the Joint Prepackaged Plan of Reorganization of Intrum ABand its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code [DocketNo. 155];m. Filed on December 14, 2024, the:i. Debtors' Memorandum of Law in Support of an Order: (I) Approving, on aFinal Basis, Adequacy of the Disclosure Statement; (II) Confirming theJoint Prepackaged Plan of Reorganization; and (III) Granting Related Relief[Docket No. 190] (the “Confirmation Brief”);ii. Declaration of Andrés Rubio in Support of Confirmation of the JointPrepackaged Plan of Reorganization of Intrum AB and its Debtor Affiliate.[Docket No. 189] (the “Confirmation Declaration”); andiii. Joint Prepackaged Chapter 11 Plan of Reorganization of Intrum AB and itsDebtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (FurtherTechnical Modifications) [Docket No. 191];n. Filed on December 18, 2024, the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Further Technical Modifications) [Docket No. 223];CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 3 4 o of f1 133454WHEREAS, the Court having, among other things:a. set December 12, 2024, at 4:00 p.m. (prevailing Central Time) as the deadlinefor Filing objection to the adequacy of the Disclosure Statement and/orConfirmation2 of the Plan (the “Objection Deadline”);b. held, on December 16, 2024 at 1:00 p.m. (prevailing Central Time) [andcontinuing through December 17, 2024], the Combined Hearing;c. heard the statements, arguments, and any objections made at the CombinedHearing;d. reviewed the Disclosure Statement, the Plan, the Ballots, the Plan Supplement,the Confirmation Brief, the Confirmation Declaration, the SolicitationAffidavit, and the Voting Declaration;e. overruled (i) any and all objections to approval of the Disclosure Statement, thePlan, and Confirmation, except as otherwise stated or indicated on the record,and (ii) all statements and reservations of rights not consensually resolved orwithdrawn, unless otherwise indicated; andf. reviewed and taken judicial notice of all the papers and pleadings Filed(including any objections, statement, joinders, reservations of rights and otherresponses), all orders entered, and all evidence proffered or adduced and allarguments made at the hearings held before the Court during the pendency ofthese cases;NOW, THEREFORE, it appearing to the Bankruptcy Court that notice of theCombined Hearing and the opportunity for any party in interest to object to the DisclosureStatement and the Plan having been adequate and appropriate as to all parties affected or to beaffected by the Plan and the transactions contemplated thereby, and the legal and factual bases setforth in the documents Filed in support of approval of the Disclosure Statement and Confirmationand other evidence presented at the Combined Hearing establish just cause for the relief grantedherein; and after due deliberation thereon and good cause appearing therefor, the BankruptcyCourt makes and issues the following findings of fact and conclusions of law, and orders for thereasons stated on the record at the December 31, 2024 ruling on plan confirmation;2 Capitalized terms used but not otherwise defined herein have meanings given to them in the Plan and/or theDisclosure Statement. The rules of interpretation set forth in Article I.B of the Plan apply to this CombinedOrder.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 4 5 o of f1 133455I. FINDINGS OF FACT AND CONCLUSIONS OF LAWIT IS HEREBY FOUND AND DETERMINED THAT:A. Findings of Fact and Conclusions of Law.1. The findings and conclusions set forth herein and in the record of theCombined Hearing constitute the Bankruptcy Court's findings of fact and conclusions of law underRule 52 of the Federal Rules of Civil Procedure, as made applicable herein by Bankruptcy Rules7052 and 9014. To the extent any of the following conclusions of law constitute findings of fact,or vice versa, they are adopted as such.B. Jurisdiction, Venue, Core Proceeding.2. This Court has jurisdiction over these Chapter 11 Cases pursuant to28 U.S.C. § 1334. Venue of these proceedings and the Chapter 11 Cases in this district is properpursuant to 28 U.S.C. §§ 1408 and 1409. This is a core proceeding pursuant to 28 U.S.C.§ 157(b)(2) and this Court may enter a final order hereon under Article III of the United StatesConstitution.C. Eligibility for Relief.3. The Debtors were and continue to be entities eligible for relief under section109 of the Bankruptcy Code and the Debtors were and continue to be proper proponents of thePlan under section 1121(a) of the Bankruptcy Code.D. Commencement and Joint Administration of the Chapter 11 Cases.4. On the Petition Date, the Debtors commenced the Chapter 11 Cases. OnNovember 18, 2024, the Court entered an order [Docket No. 51] authorizing the jointadministration of the Chapter 11 Case in accordance with Bankruptcy Rule 1015(b). The Debtorshave operated their businesses and managed their properties as debtors in possession pursuant toCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 5 6 o of f1 133456sections 1107(a) and 1108 of the Bankruptcy Code. No trustee, examiner, or statutory committeehas been appointed in these Chapter 11 Cases.E. Adequacy of the Disclosure Statement.5. The Disclosure Statement and the exhibits contained therein (i) containssufficient information of a kind necessary to satisfy the disclosure requirements of applicablenonbankruptcy laws, rules and regulations, including the Securities Act; and (ii) contains“adequate information” as such term is defined in section 1125(a)(1) and used in section1126(b)(2) of the Bankruptcy Code, with respect to the Debtors, the Plan and the transactionscontemplated therein. The Filing of the Disclosure Statement satisfied Bankruptcy Rule 3016(b).The injunction, release, and exculpation provisions in the Plan and the Disclosure Statementdescribe, in bold font and with specific and conspicuous language, all acts to be enjoined andidentify the Entities that will be subject to the injunction, thereby satisfying Bankruptcy Rule3016(c).F. Solicitation.6. As described in and evidenced by the Voting Declaration, the Solicitationand the transmittal and service of the Solicitation Materials were: (i) timely, adequate, appropriate,and sufficient under the circumstances; and (ii) in compliance with sections 1125(g) and 1126(b)of the Bankruptcy Code, Bankruptcy Rules 3017 and 3018, the applicable Local Bankruptcy Rules,the Scheduling Order and all applicable nonbankruptcy rules, laws, and regulations applicable tothe Solicitation, including the registration requirements under the Securities Act. The SolicitationMaterials, including the Ballots and the Opt Out Form (as defined below), adequately informedthe holders of Claims entitled to vote on the Plan of the procedures and deadline for completingand submitting the Ballots.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 6 7 o of f1 1334577. The Debtors served the Combined Hearing Notice on the entire creditormatrix and served the Opt Out Form on all Non-Voting Classes. The Combined Hearing Noticeadequately informed Holders of Claims or Interests of critical information regarding voting on (ifapplicable) and objecting to the Plan, including deadlines and the inclusion of release, exculpation,and injunction provisions in the Plan, and adequately summarized the terms of the Third-PartyRelease. Further, because the form enabling stakeholders to opt out of the Third-Party Release (the“Opt Out Form”) was included in both the Ballots and the Opt Out Form, every known stakeholder,including unimpaired creditors was provided with the means by which the stakeholders could optout of the Third-Party Release. No further notice is required. The period for voting on the Planprovided a reasonable and sufficient period of time and the manner of such solicitation was anappropriate process allowing for such holders to make an informed decision.G. Tabulation.8. As described in and evidenced by the Voting Declaration, (i) the holders ofClaims in Class 3 (RCF Claims) and Class 5 (Notes Claims) are Impaired under the Plan(collectively, the “Voting Classes”) and have voted to accept the Plan in the numbers and amountsrequired by section 1126 of the Bankruptcy Code, and (ii) no Class that was entitled to vote on thePlan voted to reject the Plan. All procedures used to tabulate the votes on the Plan were in goodfaith, fair, reasonable, and conducted in accordance with the applicable provisions of theBankruptcy Code, the Bankruptcy Rules, the Local Rules, the Disclosure Statement, theScheduling Order, and all other applicable nonbankruptcy laws, rules, and regulations.H. Plan Supplement.9. On December 10, 2024, the Debtors Filed the Plan Supplement with theCourt. The Plan Supplement (including as subsequently modified, supplemented, or otherwiseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 7 8 o of f1 133458amended pursuant to a filing with the Court), complies with the terms of the Plan, and the Debtorsprovided good and proper notice of the filing in accordance with the Bankruptcy Code, theBankruptcy Rules, the Scheduling Order, and the facts and circumstances of the Chapter 11 Cases.All documents included in the Plan Supplement are integral to, part of, and incorporated byreference into the Plan. No other or further notice is or will be required with respect to the PlanSupplement. Subject to the terms of the Plan and the Lock-Up Agreement, and only consistenttherewith, the Debtors reserve the right to alter, amend, update, or modify the Plan Supplementand any of the documents contained therein or related thereto, in accordance with the Plan, on orbefore the Effective Date.I. Modifications to the Plan.10. Pursuant to section 1127 of the Bankruptcy Code, the modifications to thePlan described or set forth in this Combined Order constitute technical or clarifying changes,changes with respect to particular Claims by agreement with holders of such Claims, ormodifications that do not otherwise materially and adversely affect or change the treatment of anyother Claim or Interest under the Plan. These modifications are consistent with the disclosurespreviously made pursuant to the Disclosure Statement and Solicitation Materials, and notice ofthese modifications was adequate and appropriate under the facts and circumstances of the Chapter11 Cases. In accordance with Bankruptcy Rule 3019, these modifications do not require additionaldisclosure under section 1125 of the Bankruptcy Code or the resolicitation of votes under section1126 of the Bankruptcy Code, and they do not require that holders of Claims or Interests beafforded an opportunity to change previously cast acceptances or rejections of the Plan.Accordingly, the Plan is properly before this Court and all votes cast with respect to the Plan priorto such modification shall be binding and shall apply with respect to the Plan.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 8 9 o of f1 133459J. Objections Overruled.11. Any resolution or disposition of objections to Confirmation explained orotherwise ruled upon by the Court on the record at the Confirmation Hearing is herebyincorporated by reference. All unresolved objections, statements, joinders, informal objections,and reservations of rights are hereby overruled on the merits.K. Burden of Proof.12. The Debtors, as proponents of the Plan, have met their burden of provingthe elements of sections 1129(a) and 1129(b) of the Bankruptcy Code by a preponderance of theevidence, the applicable evidentiary standard for Confirmation. Further, the Debtors have proventhe elements of sections 1129(a) and 1129(b) by clear and convincing evidence. Each witness whotestified on behalf of the Debtors in connection with the Confirmation Hearing was credible,reliable, and qualified to testify as to the topics addressed in his testimony.L. Compliance with the Requirements of Section 1129 of the BankruptcyCode.13. The Plan complies with all applicable provisions of section 1129 of theBankruptcy Code as follows:a. Section 1129(a)(1) – Compliance of the Plan with Applicable Provisions of theBankruptcy Code.14. The Plan complies with all applicable provisions of the Bankruptcy Code,including sections 1122 and 1123, as required by section 1129(a)(1) of the Bankruptcy Code.i. Section 1122 and 1123(a)(1) – Proper Classification.15. The classification of Claims and Interests under the Plan is proper under theBankruptcy Code. In accordance with sections 1122(a) and 1123(a)(1) of the Bankruptcy Code,Article III of the Plan provides for the separate classification of Claims and Interests at each Debtorinto Classes, based on differences in the legal nature or priority of such Claims and Interests (otherCaCsaes e2 42-49-09507557 5 D oDcoucmumenetn 2t 9266-32 FFiilleedd iinn TTXXSSBB oonn 1021//3113//2245 PPaaggee 91 0o fo 1f 3143510than Administrative Claims, Professional Fee Claims, and Priority Tax Claims, which areaddressed in Article II of the Plan and Unimpaired, and are not required to be designated asseparate Classes in accordance with section 1123(a)(1) of the Bankruptcy Code). Valid business,factual, and legal reasons exist for the separate classification of the various Classes of Claims andInterests created under the Plan, the classifications were not implemented for any improperpurpose, and the creation of such Classes does not unfairly discriminate between or among holdersof Claims or Interests.16. In accordance with section 1122(a) of the Bankruptcy Code, each Class ofClaims or Interests contains only Claims or Interests substantially similar to the other Claims orInterests within that Class. Accordingly, the Plan satisfies the requirements of sections 1122(a),1122(b), and 1123(a)(1) of the Bankruptcy Codeii. Section 1123(a)(2) – Specifications of Unimpaired Classes.17. Article III of the Plan specifies that Claims and Interests in the classesdeemed to accept the Plan are Unimpaired under the Plan. Holders of Intercompany Claims andIntercompany Interests are either Unimpaired and conclusively presumed to have accepted thePlan, or are Impaired and deemed to reject (the “Deemed Rejecting Classes”) the Plan, and, ineither event, are not entitled to vote to accept or reject the Plan. In addition, Article II of the Planspecifies that Administrative Claims and Priority Tax Claims are Unimpaired, although the Plandoes not classify these Claims. Accordingly, the Plan satisfies the requirements of section1123(a)(2) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 101 o of f1 1334511iii. Section 1123(a)(3) – Specification of Treatment of Voting Classes18. Article III.B of the Plan specifies the treatment of each Voting Class underthe Plan – namely, Class 3 and Class 5. Accordingly, the Plan satisfies the requirements of section1123(a)(3) of the Bankruptcy Code.iv. Section 1123(a)(4) – No Discrimination.19. Article III of the Plan provides the same treatment to each Claim or Interestin any particular Class, as the case may be, unless the holder of a particular Claim or Interest hasagreed to a less favorable treatment with respect to such Claim or Interest. Accordingly, the Plansatisfies the requirements of section 1123(a)(4) of the Bankruptcy Code.v. Section 1123(a)(5) – Adequate Means for Plan Implementation.20. The Plan and the various documents included in the Plan Supplementprovide adequate and proper means for the Plan's execution and implementation, including: (a)the general settlement of Claims and Interests; (b) the restructuring of the Debtors' balance sheetand other financial transactions provided for by the Plan; (c) the consummation of the transactionscontemplated by the Plan, the Lock-Up Agreement, the Restructuring Implementation Deed andthe Agreed Steps Plan and other documents Filed as part of the Plan Supplement; (d) the issuanceof Exchange Notes, the New Money Notes, and the Noteholder Ordinary Shares pursuant to thePlan; (e) the amendment of the Intercreditor Agreement; (f) the amendment of the FacilityAgreement; (g) the amendment of the Senior Secured Term Loan Agreement; (h) theconsummation of the Rights Offering in accordance with the Plan, Rights Offering Documentsand the Lock-Up Agreement; (i) the granting of all Liens and security interests granted orconfirmed (as applicable) pursuant to, or in connection with, the Facility Agreement, the ExchangeNotes Indenture, the New Money Notes Indenture, the amended Intercreditor Agreement and theCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 112 o of f1 1334512Senior Secured Term Loan Agreement pursuant to the New Security Documents (including anyLiens and security interests granted or confirmed (as applicable) on the Reorganized Debtors'assets); (j) the vesting of the assets of the Debtors' Estates in the Reorganized Debtors; (k) theconsummation of the corporate reorganization contemplated by the Plan, the Lock-Up Agreement,the Agreed Steps Plan and the Master Reorganization Agreement (as defined in the RestructuringImplementation Deed); and (l) the execution, delivery, filing, or recording of all contracts,instruments, releases, and other agreements or documents in furtherance of the Plan. Accordingly,the Plan satisfies the requirements of section 1123(a)(5) of the Bankruptcy Codevi. Section 1123(a)(6) – Non-Voting Equity Securities.21. The Company's organizational documents in accordance with the SwedishCompanies Act, Ch. 4, Sec 5 and the Plan prohibit the issuance of non-voting securities as of theEffective Date to the extent required to comply with section 1123(a)(6) of the Bankruptcy Code.Accordingly, the Plan satisfies the requirements of section 1123(a)(6) of the Bankruptcy Code.vii. Section 1123(a)(7) – Directors, Officers, and Trustees.22. The manner of selection of any officer, director, or trustee (or any successorto and such officer, director, or trustee) of the Reorganized Debtors will be determined inaccordance with the existing organizational documents, which is consistent with the interests ofcreditors and equity holders and with public policy. Accordingly, the Plan satisfies therequirements of section 1123(a)(7) of the Bankruptcy Code.b. Section 1123(b) – Discretionary Contents of the Plan23. The Plan contains various provisions that may be construed as discretionarybut not necessary for Confirmation under the Bankruptcy Code. Any such discretionary provisionCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 123 o of f1 1334513complies with section 1123(b) of the Bankruptcy Code and is not inconsistent with the applicableprovisions of the Bankruptcy Code. Thus, the Plan satisfies section 1123(b).i. Section 1123(b)(1) – Impairment/Unimpairment of Any Class of Claims orInterests24. Article III of the Plan impairs or leaves unimpaired, as the case may be,each Class of Claims or Interests, as contemplated by section 1123(b)(1) of the Bankruptcy Code.ii. Section 1123(b)(2) – Assumption and Rejection of Executory Contracts andUnexpired Leases25. Article V of the Plan provides for the assumption of the Debtors' ExecutoryContracts and Unexpired Leases as of the Effective Date unless such Executory Contract orUnexpired Lease: (a) is identified on the Rejected Executory Contract and Unexpired Lease List;(b) has been previously rejected by a Final Order; (c) is the subject of a motion to reject ExecutoryContracts or Unexpired Leases that is pending on the Confirmation Date; or (4) is subject to amotion to reject an Executory Contract or Unexpired Lease pursuant to which the requestedeffective date of such rejection is after the Effective Date. Thus, the Plan satisfies section1123(b)(2).iii. Compromise and Settlement26. In accordance with section 1123(b)(3)(A) of the Bankruptcy Code andBankruptcy Rule 9019, and in consideration for the distributions and other benefits provided underthe Plan, the provisions of the Plan constitute a good-faith compromise of all Claims, Interests,and controversies relating to the contractual, legal, and subordination rights that all holders ofClaims or Interests may have with respect to any Allowed Claim or Interest or any distribution tobe made on account of such Allowed Claim or Interest. Such compromise and settlement is theproduct of extensive arm's-length, good faith negotiations that, in addition to the Plan, resulted inCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 134 o of f1 1334514the execution of the Lock-Up Agreement, which represents a fair and reasonable compromise ofall Claims, Interests, and controversies and entry into which represented a sound exercise of theDebtors' business judgment. Such compromise and settlement is fair, equitable, and reasonableand in the best interests of the Debtors and their Estates.27. The releases of the Debtors' directors and officers are an integral componentof the settlements and compromises embodied in the Plan. The Debtors' directors and officers: (a)made a substantial and valuable contribution to the Debtors' restructuring, including extensive preandpost-Petition Date negotiations with stakeholder groups, and ensured the uninterruptedoperation of the Debtors' businesses during the Chapter 11 Cases; (b) invested significant timeand effort to make the restructuring a success and maximize the value of the Debtors' businessesin a challenging operating environment; (c) attended and, in certain instances, testified atdepositions and Court hearings; (d) attended and participated in numerous stakeholder meetings,management meetings, and board meetings related to the restructuring; (e) are entitled toindemnification from the Debtors under applicable non-bankruptcy law, organizationaldocuments, and agreements; (f) invested significant time and effort in the preparation of the Lock-Up Agreement, the Plan, Disclosure Statement, all supporting analyses, and the numerous otherpleadings Filed in the Chapter 11 Cases, thereby ensuring the smooth administration of the Chapter11 Cases; and (g) are entitled to all other benefits under any employment contracts existing as ofthe Petition Date. Litigation by the Debtors or other Releasing Parties against the Debtors'directors and officers would be a distraction to the Debtors' business and restructuring and woulddecrease rather than increase the value of the estates. The releases of the Debtors' directors andofficers contained in the Plan have the consent of the Debtors and the Releasing Parties and are inthe best interests of the estates.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 145 o of f1 1334515iv. Debtor Release28. The releases of claims and Causes of Action by the Debtors, ReorganizedDebtors, and their Estates described in Article VIII.C of the Plan in accordance with section1123(b) of the Bankruptcy Code (the “Debtor Release”) represent a valid exercise of the Debtors'business judgment under Bankruptcy Rule 9019. The Debtors' or the Reorganized Debtors' pursuitof any such claims against the Released Parties is not in the best interests of the Estates' variousconstituencies because the costs involved would outweigh any potential benefit from pursuingsuch claims. The Debtor Release is fair and equitable and complies with the absolute priority rule.29. The Debtor Release is (a) an integral part of the Plan, and a component ofthe comprehensive settlement implemented under the Plan; (b) in exchange for the good andvaluable consideration provided by the Released Parties; (c) a good faith settlement andcompromise of the claims and Causes of Action released by the Debtor Release; (d) materiallybeneficial to, and in the best interests of, the Debtors, their Estates, and their stakeholders, and isimportant to the overall objectives of the Plan to finally resolve certain Claims among or againstcertain parties in interest in the Chapter 11 Cases; (e) fair, equitable, and reasonable; (f) given andmade after due notice and opportunity for hearing; and (g) a bar to any Debtor asserting any claimor Cause of Action released by the Debtor Release against any of the Released Parties. Theprobability of success in litigation with respect to the released claims and Causes of Action, whenweighed against the costs, supports the Debtor Release. With respect to each of these potentialCauses of Action, the parties could assert colorable defenses and the probability of success isuncertain. The Debtors' or the Reorganized Debtors' pursuit of any such claims or Causes ofAction against the Released Parties is not in the best interests of the Estates or the Debtors' variousCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 156 o of f1 1334516constituencies because the costs involved would likely outweigh any potential benefit frompursuing such claims or Causes of Action30. Holders of Claims and Interests entitled to vote have overwhelmingly votedin favor of the Plan, including the Debtor Release. The Plan, including the Debtor Release, wasnegotiated before and after the Petition Date by sophisticated parties represented by able counseland advisors, including the Consenting Creditors. The Debtor Release is therefore the result of ahard fought and arm's-length negotiation process conducted in good faith.31. The Debtor Release appropriately offers protection to parties thatparticipated in the Debtors' restructuring process, including the Consenting Creditors, whoseparticipation in the Chapter 11 Cases is critical to the Debtors' successful emergence frombankruptcy. Specifically, the Released Parties, including the Consenting Creditors, madesignificant concessions and contributions to the Chapter 11 Cases, including, entering into theLock-Up Agreement and related agreements, supporting the Plan and the Chapter 11 Cases, andwaiving or agreeing to impair substantial rights and Claims against the Debtors under the Plan (aspart of the compromises composing the settlement underlying the revised Plan) in order tofacilitate a consensual reorganization and the Debtors' emergence from chapter 11. The DebtorRelease for the Debtors' directors and officers is appropriate because the Debtors' directors andofficers share an identity of interest with the Debtors and, as previously stated, supported and madesubstantial contributions to the success of the Plan, the Chapter 11 Cases, and operation of theDebtors' business during the Chapter 11 Cases, actively participated in meetings, negotiations, andimplementation during the Chapter 11 Cases, and have provided other valuable consideration tothe Debtors to facilitate the Debtors' successful reorganization and continued operation.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 167 o of f1 133451732. The scope of the Debtor Release is appropriately tailored under the factsand circumstances of the Chapter 11 Cases. In light of, among other things, the value provided bythe Released Parties to the Debtors' Estates and the critical nature of the Debtor Release to thePlan, the Debtor Release is appropriate.v. Release by Holders of Claims and Interests33. The release by the Releasing Parties (the “Third-Party Release”), set forthin Article VIII.D of the Plan, is an essential provision of the Plan. The Third-Party Release is: (a)consensual as to those Releasing Parties that did not specifically and timely object or properly optout from the Third-Party Release; (b) within the jurisdiction of the Bankruptcy Court pursuant to28 U.S.C. § 1334; (c) in exchange for the good and valuable consideration provided by theReleased Parties; (d) a good faith settlement and compromise of the claims and Causes of Actionreleased by the Third-Party Release; (e) materially beneficial to, and in the best interests of, theDebtors, their Estates, and their stakeholders, and is important to the overall objectives of the Planto finally resolve certain Claims among or against certain parties in interest in the Chapter 11Cases; (f) fair, equitable, and reasonable; (g) given and made after due notice and opportunity forhearing; (h) appropriately narrow in scope given that it expressly excludes, among other things,any Cause of Action that is judicially determined by a Final Order to have constituted actual fraud,willful misconduct, or gross negligence; (i) a bar to any of the Releasing Parties asserting anyclaim or Cause of Action released by the Third-Party Release against any of the Released Parties;and (j) consistent with sections 105, 524, 1123, 1129, and 1141 and other applicable provisions ofthe Bankruptcy Code.34. The Third-Party Release is an integral part of the agreement embodied inthe Plan among the relevant parties in interest. Like the Debtor Release, the Third-Party ReleaseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 178 o of f1 1334518facilitated participation in both the Debtors' Plan and the chapter 11 process generally. The Third-Party Release is instrumental to the Plan and was critical in incentivizing parties to support thePlan and preventing significant and time-consuming litigation regarding the parties' respectiverights and interests. The Third-Party Release was a core negotiation point in connection with thePlan and instrumental in developing the Plan that maximized value for all of the Debtors'stakeholders and kept the Debtors intact as a going concern. As such, the Third-Party Releaseappropriately offers certain protections to parties who constructively participated in the Debtors'restructuring process—including the Consenting Creditors (as set forth above)—by, among otherthings, facilitating the negotiation and consummation of the Plan, supporting the Plan and, in thecase of the Backstop Providers, committing to provide new capital to facilitate the Debtors'emergence from chapter 11. Specifically, the Notes Ad Hoc Group proposed and negotiated thepari passu transaction that is the basis of the restructuring proposed under the Plan and provideda much-needed deleveraging to the Debtors' business while taking a discount on their Claims (inexchange for other consideration).35. Furthermore, the Third-Party Release is consensual as to all parties ininterest, including all Releasing Parties, and such parties in interest were provided notice of thechapter 11 proceedings, the Plan, the deadline to object to confirmation of the Plan, and theCombined Hearing and were properly informed that all holders of Claims against or Interests inthe Debtors that did not file an objection with the Court in the Chapter 11 Cases that included anexpress objection to the inclusion of such holder as a Releasing Party under the provisionscontained in Article VIII of the Plan would be deemed to have expressly, unconditionally,generally, individually, and collectively consented to the release and discharge of all claims andCauses of Action against the Debtors and the Released Parties. Additionally, the release provisionsCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 189 o of f1 1334519of the Plan were conspicuous, emphasized with boldface type in the Plan, the DisclosureStatement, the Ballots, and the applicable notices. Except as set forth in the Plan, all ReleasingParties were properly informed that unless they (a) checked the “opt out” box on the applicableBallot or opt-out form and returned the same in advance of the Voting Deadline, as applicable, or(b) timely Filed an objection to the releases contained in the Plan that was not resolved beforeentry of this Confirmation Order, they would be deemed to have expressly consented to the releaseof all Claims and Causes of Action against the Released Parties.36. The Ballots sent to all holders of Claims and Interests entitled to vote, aswell as the notice of the Combined Hearing sent to all known parties in interest (including thosenot entitled to vote on the Plan), unambiguously provided in bold letters that the Third-PartyRelease was contained in the Plan.37. The scope of the Third-Party Release is appropriately tailored under thefacts and circumstances of the Chapter 11 Cases, and parties in interest received due and adequatenotice of the Third-Party Release. Among other things, the Plan provides appropriate and specificdisclosure with respect to the claims and Causes of Action that are subject to the Third-PartyRelease, and no other disclosure is necessary. The Debtors, as evidenced by the VotingDeclaration and Certificate of Publication, including by providing actual notice to all knownparties in interest, including all known holders of Claims against, and Interests in, any Debtor andpublishing notice in international and national publications for the benefit of unknown parties ininterest, provided sufficient notice of the Third-Party Release, and no further or other notice isnecessary. The Third-Party Release is designed to provide finality for the Debtors, theReorganized Debtors and the Released Parties regarding the parties' respective obligations underthe Plan. For the avoidance of doubt, and notwithstanding anything to the contrary, anyparty who timely opted-out of the Third-Party Release is not bound by the Third-PartyRelease.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 290 o of f1 133452038. The Third-Party Release is specific in language, integral to the Plan, andgiven for substantial consideration. The Releasing Parties were given due and adequate notice ofthe Third-Party Release, and thus the Third-Party Release is consensual under controllingprecedent as to those Releasing Parties that did not specifically and timely object. In light of,among other things, the value provided by the Released Parties to the Debtors' Estates and theconsensual and critical nature of the Third-Party Release to the Plan, the Third-Party Release isappropriatevi. Exculpation.39. The exculpation described in Article VIII.E of the Plan (the “Exculpation”)is appropriate under applicable law, including In re Highland Capital Mgmt., L.P., 48 F. 4th 419(5th Cir. 2022), because it was supported by proper evidence, proposed in good faith, wasformulated following extensive good-faith, arm's-length negotiations with key constituents, and isappropriately limited in scope.40. No Entity or Person may commence or continue any action, employ anyprocess, or take any other act to pursue, collect, recover or offset any Claim, Interest, debt,obligation, or Cause of Action relating or reasonably likely to relate to any act or commission inconnection with, relating to, or arising out of a Covered Matter (including one that alleges theactual fraud, gross negligence, or willful misconduct of a Covered Entity), unless expresslyauthorized by the Bankruptcy Court after (1) it determines, after a notice and a hearing, such Claim,Interest, debt, obligation, or Cause of Action is colorable and (2) it specifically authorizes suchEntity or Person to bring such Claim or Cause of Action. The Bankruptcy Court shall have soleand exclusive jurisdiction to determine whether any such Claim, Interest, debt, obligation or Causeof Action is colorable and, only to the extent legally permissible and as provided for in Article XI,CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 201 o of f1 1334521shall have jurisdiction to adjudicate such underlying colorable Claim, Interest, debt, obligation, orCause of Action.vii. Injunction.41. The injunction provisions set forth in Article VIII.F of the Plan are essentialto the Plan and are necessary to implement the Plan and to preserve and enforce the discharge,Debtor Release, the Third-Party Release, and the Exculpation provisions in Article VIII of thePlan. The injunction provisions are appropriately tailored to achieve those purposes.viii. Preservation of Claims and Causes of Action.42. Article IV.L of the Plan appropriately provides for the preservation by theDebtors of certain Causes of Action in accordance with section 1123(b) of the Bankruptcy Code.Causes of Action not released by the Debtors or exculpated under the Plan will be retained by theReorganized Debtors as provided by the Plan. The Plan is sufficiently specific with respect to theCauses of Action to be retained by the Debtors, and the Plan and Plan Supplement providemeaningful disclosure with respect to the potential Causes of Action that the Debtors may retain,and all parties in interest received adequate notice with respect to such retained Causes of Action.The provisions regarding Causes of Action in the Plan are appropriate and in the best interests ofthe Debtors, their respective Estates, and holders of Claims or Interests. For the avoidance of anydoubt, Causes of Action released or exculpated under the Plan will not be retained by theReorganized Debtors.c. Section 1123(d) – Cure of Defaults43. Article V.D of the Plan provides for the satisfaction of Cure Claimsassociated with each Executory Contract and Unexpired Lease to be assumed in accordance withsection 365(b)(1) of the Bankruptcy Code. Any monetary defaults under each assumed ExecutoryCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 212 o of f1 1334522Contract or Unexpired Lease shall be satisfied, pursuant to section 365(b)(1) of the BankruptcyCode, by payment of the default amount in Cash on the Effective Date, subject to the limitationsdescribed in Article V.D of the Plan, or on such other terms as the parties to such ExecutoryContracts or Unexpired Leases may otherwise agree. Any Disputed Cure Amounts will bedetermined in accordance with the procedures set forth in Article V.D of the Plan, and applicablebankruptcy and nonbankruptcy law. As such, the Plan provides that the Debtors will Cure, orprovide adequate assurance that the Debtors will promptly Cure, defaults with respect to assumedExecutory Contracts and Unexpired Leases in accordance with section 365(b)(1) of theBankruptcy Code. Thus, the Plan complies with section 1123(d) of the Bankruptcy Code.d. Section 1129(a)(2) – Compliance of the Debtors and Others with the ApplicableProvisions of the Bankruptcy Code.44. The Debtors, as proponents of the Plan, have complied with all applicableprovisions of the Bankruptcy Code as required by section 1129(a)(2) of the Bankruptcy Code,including sections 1122, 1123, 1124, 1125, 1126, and 1128, and Bankruptcy Rules 3017, 3018,and 3019.e. Section 1129(a)(3) – Proposal of Plan in Good Faith.45. The Debtors have proposed the Plan in good faith, in accordance with theBankruptcy Code requirements, and not by any means forbidden by law. In determining that thePlan has been proposed in good faith, the Court has examined the totality of the circumstancesfiling of the Chapter 11 Cases, including the formation of Intrum AB of Texas LLC (“IntrumTexas”), the Plan itself, and the process leading to its formulation. The Debtors' good faith isevident from the facts and record of the Chapter 11 Cases, the Disclosure Statement, and the recordof the Combined Hearing and other proceedings held in the Chapter 11 CasesCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 223 o of f1 133452346. The Plan (including the Plan Supplement and all other documents necessaryto effectuate the Plan) is the product of good faith, arm's-length negotiations by and among theDebtors, the Debtors' directors and officers and the Debtors' key stakeholders, including theConsenting Creditors and each of their respective professionals. The Plan itself and the processleading to its formulation provide independent evidence of the Debtors' and such other parties'good faith, serve the public interest, and assure fair treatment of holders of Claims or Interests.Consistent with the overriding purpose of chapter 11, the Debtors Filed the Chapter 11 Cases withthe belief that the Debtors were in need of reorganization and the Plan was negotiated and proposedwith the intention of accomplishing a successful reorganization and maximizing stakeholder value,and for no ulterior purpose. Accordingly, the requirements of section 1129(a)(3) of the BankruptcyCode are satisfied.f. Section 1129(a)(4) – Court Approval of Certain Payments as Reasonable.47. Any payment made or to be made by the Debtors, or by a person issuingsecurities or acquiring property under the Plan, for services or costs and expenses in connectionwith the Chapter 11 Cases, or in connection with the Plan and incident to the Chapter 11 Cases,has been approved by, or is subject to the approval of, the Court as reasonable. Accordingly, thePlan satisfies the requirements of section 1129(a)(4).g. Section 1129(a)(5)—Disclosure of Directors and Officers and Consistency with theInterests of Creditors and Public Policy.48. The identities of or process for appointment of the Reorganized Debtors'directors and officers proposed to serve after the Effective Date were disclosed in the PlanSupplement in advance of the Combined Hearing. Accordingly, the Debtors have satisfied therequirements of section 1129(a)(5) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 234 o of f1 1334524h. Section 1129(a)(6)—Rate Changes.49. The Plan does not contain any rate changes subject to the jurisdiction of anygovernmental regulatory commission and therefore will not require governmental regulatoryapproval. Therefore, section 1129(a)(6) of the Bankruptcy Code does not apply to the Plan.i. Section 1129(a)(7)—Best Interests of Holders of Claims and Interests.50. The liquidation analysis attached as Exhibit D to the Disclosure Statementand the other evidence in support of the Plan that was proffered or adduced at the CombinedHearing, and the facts and circumstances of the Chapter 11 Cases are (a) reasonable, persuasive,credible, and accurate as of the dates such analysis or evidence was prepared, presented orproffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c) have not beencontroverted by other evidence; and (d) establish that each holder of Allowed Claims or Interestsin each Class will recover as much or more value under the Plan on account of such Claim orInterest, as of the Effective Date, than the amount such holder would receive if the Debtors wereliquidated on the Effective Date under chapter 7 of the Bankruptcy Code or has accepted the Plan.As a result, the Debtors have demonstrated that the Plan is in the best interests of their creditorsand equity holders and the requirements of section 1129(a)(7) of the Bankruptcy Code are satisfied.j. Section 1129(a)(8)—Conclusive Presumption of Acceptance by UnimpairedClasses; Acceptance of the Plan by Certain Voting Classes.51. The classes deemed to accept the Plan are Unimpaired under the Plan andare deemed to have accepted the Plan pursuant to section 1126(f) of the Bankruptcy Code. EachVoting Class voted to accept the Plan. For the avoidance of doubt, however, even if section1129(a)(8) has not been satisfied with respect to all of the Debtors, the Plan is confirmable becausethe Plan does not discriminate unfairly and is fair and equitable with respect to the Voting Classesand thus satisfies section 1129(b) of the Bankruptcy Code with respect to such Classes as describedCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 245 o of f1 1334525further below. As a result, the requirements of section 1129(b) of the Bankruptcy Code are alsosatisfied.k. Section 1129(a)(9)—Treatment of Claims Entitled to Priority Pursuant to Section507(a) of the Bankruptcy Code.52. The treatment of Administrative Claims, Professional Fee Claims, andPriority Tax Claims under Article II of the Plan satisfies the requirements of, and complies in allrespects with, section 1129(a)(9) of the Bankruptcy Code.l. Section 1129(a)(10)—Acceptance by at Least One Voting Class.53. As set forth in the Voting Declaration, all Voting Classes overwhelminglyvoted to accept the Plan. As such, there is at least one Voting Class that has accepted the Plan,determined without including any acceptance of the Plan by any insider (as defined by theBankruptcy Code), for each Debtor. Accordingly, the requirements of section 1129(a)(10) of theBankruptcy Code are satisfied.m. Section 1129(a)(11)—Feasibility of the Plan.54. The Plan satisfies section 1129(a)(11) of the Bankruptcy Code. Thefinancial projections attached to the Disclosure Statement as Exhibit D and the other evidencesupporting the Plan proffered or adduced by the Debtors at or before the Combined Hearing: (a)is reasonable, persuasive, credible, and accurate as of the dates such evidence was prepared,presented, or proffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c)has not been controverted by other persuasive evidence; (d) establishes that the Plan is feasibleand Confirmation of the Plan is not likely to be followed by liquidation or the need for furtherfinancial reorganization; (e) establishes that the Debtors will have sufficient funds available tomeet their obligations under the Plan and in the ordinary course of business—including sufficientamounts of Cash to reasonably ensure payment of Allowed Claims that will receive CashCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 256 o of f1 1334526distributions pursuant to the terms of the Plan and other Cash payments required under the Plan;and (f) establishes that the Debtors or the Reorganized Debtors, as applicable, will have thefinancial wherewithal to pay any Claims that accrue, become payable, or are allowed by FinalOrder following the Effective Date. Accordingly, the Plan satisfies the requirements of section1129(a)(11) of the Bankruptcy Code.n. Section 1129(a)(12)—Payment of Statutory Fees.55. Article XII.C of the Plan provides that all fees payable pursuant to section1930(a) of the Judicial Code, as determined by the Court at the Confirmation Hearing inaccordance with section 1128 of the Bankruptcy Code, will be paid by each of the applicableReorganized Debtors for each quarter (including any fraction of a quarter) until the Chapter 11Cases are converted, dismissed, or closed, whichever occurs first. Accordingly, the Plan satisfiesthe requirements of section 1129(a)(12) of the Bankruptcy Code.o. Section 1129(a)(13)—Retiree Benefits.56. Pursuant to section 1129(a)(13) of the Bankruptcy Code, and as provided inArticle IV.K of the Plan, the Reorganized Debtors will continue to pay all obligations on accountof retiree benefits (as such term is used in section 1114 of the Bankruptcy Code) on and after theEffective Date in accordance with applicable law. As a result, the requirements of section1129(a)(13) of the Bankruptcy Code are satisfied.p. Sections 1129(a)(14), (15), and (16)—Domestic Support Obligations, Individuals,and Nonprofit Corporations.57. The Debtors do not owe any domestic support obligations, are notindividuals, and are not nonprofit corporations. Therefore, sections 1129(a)(14), 1129(a)(15), and1129(a)(16) of the Bankruptcy Code do not apply to the Chapter 11 Cases.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 267 o of f1 1334527q. Section 1129(b)—Confirmation of the Plan Over Nonacceptance of VotingClasses.58. No Classes rejected the Plan, and section 1129(b) is not applicable here,but even if it were, the Plan may be confirmed pursuant to section 1129(b)(1) of the BankruptcyCode because the Plan is fair and equitable with respect to the Deemed Rejecting Classes. ThePlan has been proposed in good faith, is reasonable, and meets the requirements and all VotingClasses have voted to accept the Plan. The treatment of Intercompany Claims and IntercompanyInterests under the Plan provides for administrative convenience does not constitute a distributionunder the Plan on account of suc

Today's show focuses on last two weeks' events in Ukraine wear and the steady US/NATO escalation. Biden approves US long range missiles fired into Russia; US & France provide Storm Shadow long range missiles in turn; Macron reportedly (by Le Monde) again discussing sending French troops; NATO planning document reveals plan for Poland-Romania-UK-Germany to divide up Ukraine; US general Bauer, head of NATO military commission publicly calls for ‘pre-emptive' strike on Russia; Biden gives Ukraine another $700m and calls for another $24B and tells Ukraine to lower its draft age to 18; Trump NSA pick Gorka calls Putin a thug and warns US under Trump will double its aide, Trump selects neocon friendly NSA advisers raising doubt about his campaign promises to end the Ukraine war. Meanwhile, Putin answers NATO/US escalation with new Oreshnik hypersonic missile with 36 warheads, lowers decision to use tactical nukes, threatens to hit any NATO base from which missiles are fired, signs mutual defense treaty with Iran, and gives warnings to west in speech in Kazakhstan. 

Project 2025 would raise taxes on the middle class and slash taxes for the wealthy. It would also cut the corporate tax rate to 18 percent, which is a $24B tax cut.

(MISS KOเรียน EP.24B เป็นสรุปบทสัมภาษณ์ภาษาไทย ที่มาจากบทสัมภาษณ์ภาษาอังกฤษใน EP.24A) อุ้ม-ศุภัชฌา ขอพาทุกคนกลับมาเมาท์มอยเรื่องราวเกาหลีกัน รอบนี้เรามาในธีม “친구 체크인” หรือ “ชินกู-เช็กอิน” ที่จะเปิดประตูต้อนรับเพื่อนๆ ทั้งชาวเกาหลีและชาวไทยมาแชร์เรื่องราวชีวิตในเกาหลีให้เราฟังกัน สำหรับอีพีนี้ อุ้มคุยกับชมพู Salmon Podcast ถึงบทสัมภาษณ์ใน EP.24A ที่เธอชวนเพื่อนสาวเกาหลีสมัยเรียนมหา'ลัยอย่าง “Choi Ina” มาคุยถึงเบื้องหลังอาชีพ กว่าจะเป็นนักวิจัยสารคดีของช่องใหญ่อย่าง KBS และรีวิวโปรเจกต์สารคดีศิลปะที่เธอต้องบินข้ามทวีปไปเก็บฟุตเทจไกลถึงยุโรป! https://linktr.ee/misskoreanpodcast #SalmonPodcast #MISSKOเรียน #รู้จักเกาหลีมุมนั้น #ผ่านป๊อปคัลเจอร์เรื่องนี้ #Patcha #ภัชฌา #อุ้มศุภัชฌา _____ ติดต่อโฆษณาได้ที่ podcast.salmon@gmail.com Follow MISS KOเรียน on Instagram Salmon Podcast https://www.instagram.com/salmon_podcast/ อุ้ม ศุภัชฌา https://www.instagram.com/patchasssssssssu/ Learn more about your ad choices. Visit megaphone.fm/adchoices

(MISS KOเรียน EP. 24A เป็นบทสัมภาษณ์ภาษาอังกฤษ โดยจะมีสรุปบทสัมภาษณ์เป็นภาษาไทยใน EP. 24B ออนแอร์วันจันทร์ที่ 30 กันยายนนี้) อุ้ม-ศุภัชฌา ขอพาทุกคนกลับมาเมาท์มอยเรื่องราวเกาหลีกัน รอบนี้เรามาในธีม “친구 체크인” หรือ “ชินกู-เช็กอิน” ที่จะเปิดประตูต้อนรับเพื่อนๆ ทั้งชาวเกาหลีและชาวไทยมาแชร์เรื่องราวชีวิตในเกาหลีให้เราฟังกัน สำหรับอีพีนี้ อุ้มชวนเพื่อนสาวเกาหลีสมัยเรียนมหา'ลัยอย่าง “Choi Ina” มาคุยถึงเบื้องหลังอาชีพ กว่าจะเป็นนักวิจัยสารคดีของช่องใหญ่อย่าง KBS และรีวิวโปรเจกต์สารคดีศิลปะที่เธอต้องบินข้ามทวีปไปเก็บฟุตเทจไกลถึงยุโรป! https://linktr.ee/misskoreanpodcast #SalmonPodcast #MISSKOเรียน #รู้จักเกาหลีมุมนั้น #ผ่านป๊อปคัลเจอร์เรื่องนี้ #Patcha #ภัชฌา #อุ้มศุภัชฌา _____ ติดต่อโฆษณาได้ที่ podcast.salmon@gmail.com Follow MISS KOเรียน on Instagram Salmon Podcast https://www.instagram.com/salmon_podcast/ อุ้ม ศุภัชฌา https://www.instagram.com/patchasssssssssu/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Profs. Karoline Lewis, Joy J. Moore, and Matt Skinner for a conversation on the Revised Common Lectionary texts for the Seventeenth Sunday after Pentecost (Ord. 24B) on September 15, 2024.  The cohosts explore the theme of identity and the question of who Jesus is. They also discuss the importance of wisdom and the power of words; as well as the need for self-denial and taking up one's cross in following Jesus. The conversation concludes with a reflection on the impact of words and the importance of speaking words of life and hope. Commentaries for the Seventeenth Sunday after Pentecost (Ord. 24B):  https://www.workingpreacher.org/commentaries/revised-common-lectionary/ordinary-24-2/commentary-on-mark-827-38-6. Timecodes: Promo - 0:00 Intro - 0:43 Mark 8: 27-38 (Gospel Reading) - 1:25 Isaiah 50: 4-9a (First Reading) - 12:32 Psalm 116: 1-9 - 17:39 Proverbs 1: 20-33 (Semi-continuous First Reading)  - 19:20 James 3: 1-12 (Second Reading) - 24:07 Epilogue on Karl Jacobson - 28:44 Outro - 29:40 End - 30:15 * * * Connect with Working Preacher https://www.workingpreacher.org/ https://www.facebook.com/workingpreacher https://www.instagram.com/workingpreacher/ https://x.com/WorkingPreacher Watch the Full Episode: https://youtu.be/joMXvCzscK4.

[SEGMENT 2-1] Blocking Trump Democrats tried to block President Trump from honoring the 13 Marines killed in Afghanistan. Speaker Johnson intervened…  [SEGMENT 2-2] America-hating Leftists In MA, they diverted funds from American citizens who are students, and made buses available for illegals… 150 Stoughton students were left without transportation   Who stops a kid from flying an AMERICAN FLAG?! And in OKLAHOMA? These are the stories where we need to rally the Conservative troops. Send flags to that school and blanket the campus!!  [SEGMENT 2-3] Multiculturalism   [X] SB – Trump on multiculturalism in Europe [X] SB – Katie Hopkins on Notting Hill carnival   [X] SB – Migrants try to board a school bus    [SEGMENT 2-4] Leftism and homelessness   [X] SB – CA spent $24 billion on homelessness and it went up $24B over 5 years. Almost $5B per year They could have given 50,000 people $100K per year. $56K before the fight to stop homeless started $28K And this doesn't include all that they qualify for right now.     Voter registration scam. When you hear those words, what do you think? [X] SB – MI voter registration scam   Look at what Facebook admitted to doing. Suppressing negative information in Hunter Biden and Covid. Zuckerberg now apologizes    Become a supporter of this podcast: https://www.spreaker.com/podcast/the-kevin-jackson-show--2896352/support.

Yes!  You are in!  Thank you!!  You are in for a treat.  For I get to introduce you to a very special person:  Robert.  He was hopeless, homeless and hooked on fentanyl.  What turned things around for him?  Here you go...Thank you Robert, what a shining Light!  Think about that.  Hopeless, homeless and addicted to fentanyl.  Now full of Hope.  Jesus Christ in is in the heart transforming business.  A skeptic can try and debate.  One can't argue that result.Special thanks to Abundant Life Church in Indio, CA.  If this tugs on your heart and you would like to look into starting your own Compassion Cafe for those unhoused.  Check out this beacon.  Misty, Chris, Beto, Gilbert, Jonathan, Tammy, George and so many more.  I'm blown away by their volunteer ratio.  Special thanks to Overflowshowers.org (Gary, Jackie, Ryan, Katie, Lori, Matthew and so many volunteers and very generous supporters).  All making that moment recorded and so many more possible.  If you served and donated in any way, you are a part of that.  Extra thanks to a good and faithful servant named Laguna Dave who got me out in the streets for the first time serving the homeless in the streets of Coachella Valley.  Opened my eyes to see others like Robert and Taylor for the sons and daughters that they are.Co-founder Gary once said that government won't solve this...and he's right.  CA is up to $24B in tackling this issue in the last few years and it got worse.  $24B!  Go back to Robert.  This is a heart issue.  If you are an addict or know an addict, you are not getting better until you really, really want to get better.  The heart must change.  Ending on a prayer note...

Send us a Text Message.Weekly pre-IPO reports…- Valuations, revenue multiples, performance = www.agdillon.com/reports- Market update pdf = www.agdillon.com/update- Index fact sheet = www.agdillon.com/index00:07 | Wiz walks away from $23B Google deal- Cloud security company- Opted for IPO over $23B Google deal- Influenced by antitrust concerns- Aims for $1B annual revenue; reached $350M last year- 40% of Fortune 100 clients- Valuation $13.1B (+9.1% vs May 2024)- 37x revenue multiple; Google deal 65x- Potential $20B IPO at 20x revenue01:34 | Revolut's $45B valuation surge- UK online bank- Nearing $500M employee share sale- Valuation up to $45B (previously $40B)- Investors: Coatue Management, Tiger Global- $429M net income in 2023, forecast $976M in 2024- Revenue: $2.2B in 2023, projected $3.7B in 2024- 20M customers (March 2024)- Aiming for $9.3B revenue by 2026- 17x revenue multiple02:32 | Revolut secures UK banking license- Secured UK banking license- Can offer credit products, take deposits- Serves 45M global customers, 9M in UK- Previously relied on EU banking license- "Mobilisation" phase, capped at £50K deposits for up to 12 months03:22 | OpenAI launches SearchGPT- AI large language model company- Launching SearchGPT search engine- Summarizes info, cites sources like WSJ- Follow-up questions, linked sources- Sidebar for more results- Data: reputable news sources; e.g. News Corp, Axel Springer- Valuation $103B (+20% vs Apr 2024)04:04 | Cohere's $5.5B valuation boost- AI large language model company- Valued at $5.5B after $500M Series D- Led by PSP Investments, new backers include Cisco, Fujitsu- Doubled from $2.7B in 2022- Annual revenue: $13M (2023) to $35M (March 2024)- Headcount to double from 250- Models support 10 languages- Valuation $5.7B05:17 | Goldman's pre-IPO investment- Goldman leading $540M investment in NEA's continuation vehicle- Includes stakes in 11 companies: 38% Databricks, 10% Plaid- Provides liquidity to NEA's partners- Investors: Industry Ventures, Pathway Capital, Goanna Capital- Priced at 19% discount to NEA valuations- Highlights venture capital innovation07:23 | Neuralink tender?- Brain computer interface company- Preparing stock buyback for employees, investors- Valuation up to $8B (from $3.5B)- Secondary market trades reflect 117% premiums- Employees compensated in shares; trade at $50 (up from $35 in January)- Prefers controlled tender offers08:10 | Tesla to invest $5B in xAI?- AI large language model business by Elon Musk- Polled users on Tesla investing $5B in xAI- Raised $6B, valuation $24B post-money- X rumored to have 25% ownership- Valuation $26.1B (+8.6% vs May 2024)08:54 | Klarna replacing 70 employees per month with AI- Consumer lender and payments company- AI enhances efficiency across operations- AI-driven customer service cut backlog from 30 days to zero- Saved $40M; reduced 700 outsourced personnel- AI handles 80% of marketing copywriting- Headcount down from 4500 to 3700- Increased cost per employee; higher salaries, more equity- Valuation $10.7B (+60% vs Jul 2022)11:27 | Pre-IPO Stock Market Weekly Performance- www.agdillon.com/reports for full pdf- Pre-IPO +0.30% for week, +63.28% for last 1yr- Up week: xAI +8.8%, Stripe +5.7%, Anthropic +3.7%, Rippling +3.3%, Ramp +2.8%- Down week: Groq -7.6%, Chime -7.5%, CoreWeave -4.2%, OpenAI -2.8%, Canva -1.3%- Top valuations: ByteDance $294b, SpaceX $210b, OpenAI $103b, Stripe $70b, Databricks $

Chuck Zodda and Paul Lane take a look at how much American workers need to make to feel happy with their salary. Why are American workers so lonely? Elon Musk's xAI valued at $24B after latest fundraising. How did AI make Mark Zuckerberg popular in Silicon Valley again? Store brands are filing up more of your car. Starbucks customers and workers fume over fewer staff.

Facts & Spins for May 29, 2024 Top Stories: EU Ministers voice frustrations after Hungary again blocks Ukraine aid, a report alleges that a Mossad director allegedly pressured the ICC's prosecutor, while Israeli forces reach central Rafah, Burkina Faso extends its transition to civilian rule to 2029, a North Korean spy satellite ends in a mid-air explosion, the Biden admin. unveils a plan to modernize the US power grid, closing arguments begin in the Trump NY criminal trial, the US Supreme Court rejects the extortion conviction appeal of Michael Avanatti, Elon Musk's xAI raises $6B, making it now valued at $24B, and Cyclone Remal makes a destructive landfall in South Asia. Sources: https://www.verity.news/

The McDonald's $5 value meal is coming in June, aimed at relieving inflation-weary consumers. But franchisees are also inflation-weary; Scott Rodrick, a franchisee in California, discusses the pressures at his restaurants and the difficulty of offering value in a high-cost environment. The Department of Justice has filed an antitrust lawsuit against Live Nation, aiming to split up the parent company and Ticketmaster, its subsidiary. CEO of competitor SeatGeek Jack Groetzinger discusses competition for ticketing and best experiences for fans. The Tesla shareholder vote on Elon Musk's pay deal is coming soon, but it's only one of multiple weekend headlines on the tech billionaire. Musk's startup xAI has notched another $6B in funding, pushing the company's valuation to $24B. Musk is also reportedly planning an xAI supercomputer. Plus, China has created a nearly $48B fund to back Chinese chip companies, CNBC's Eunice Yoon reports.  Eunice Yoon - 08:01Jack Groetzinger - 13:26Scott Rodrick - 22:09 In this episode:Eunice Yoon @onlyyoontvBecky Quick,@BeckyQuickAndrew Ross Sorkin,@andrewrsorkinCameron Costa, @CameronCostaNY

Noticias Económicas y Financieras Ahora es casi seguro que el Banco Central Europeo bajará los tipos de interés antes que la Reserva Federal, contraviniendo la tendencia del banco central estadounidense a la hora de liderar la política monetaria. Los funcionarios del BCE prácticamente han confirmado que el primer recorte se producirá en su reunión de la próxima semana, ya que la inflación se ha acercado a su objetivo del 2%. Esto contrasta con la falta de confianza de los funcionarios de la Fed en una flexibilización en el corto plazo. La startup xAI de Elon Musk ha recaudado $6B en una ronda de financiación de serie B, lo que ha elevado la valoración de la startup de inteligencia artificial a $24B. Antes de esta ronda de financiación, la valoración de xAI era de $18B. Los nuevos fondos se utilizarán para llevar los primeros productos de xAI al mercado y desarrollar una infraestructura avanzada. Entre los inversores se encontraban Andreessen Horowitz, Sequoia Capital, Fidelity Management y el príncipe de Arabia Saudita Alwaleed Bin Talal. La inversión se produce cuando la empresa de inteligencia artificial busca desafiar el dominio de OpenAI, con el lanzamiento de su chatbot Grok el año pasado para rivalizar con ChatGPT. OpenAI está valorado actualmente en alrededor de $80B. $HES Los accionistas de Hess decidirán hoy sobre su venta planificada de $53B a Chevron $CVX, que se espera sea una votación reñida, ya que los inversores siguen preocupados por la disputa en curso con Exxon Mobil $XOM por el bloque Stabroek de Guyana. Si bien el asesor de poderes Glass Lewis recomendó que los accionistas votaran a favor del acuerdo, Institutional Shareholder Services les dijo a los inversores que se abstuvieran de la votación hasta que surgieran más detalles sobre el arbitraje. Se espera que al menos tres accionistas se abstengan, pero los asesores de Hess parecen confiados en conseguir suficiente apoyo de los accionistas. El líder del grupo de inversión, Daniel Jones, ve una atractiva oportunidad de riesgo/recompensa en medio del drama de las fusiones. A medida que los países reservan cada vez más fondos para apoyar la fabricación nacional de chips en medio de una feroz competencia, China ha creado un fondo de inversión en chips de alrededor de $48B en la tercera ronda del fondo de financiación respaldado por el gobierno. El gobierno central de China y varios bancos y empresas estatales han invertido en el fondo. El impulso a la inversión se produce en medio de restricciones estadounidenses destinadas a restringir el acceso de China a chips y equipos avanzados, incluidos los utilizados en trabajos de inteligencia artificial. Otros países que han intensificado sus esfuerzos para impulsar la fabricación nacional de chips para mantenerse a la cabeza en la carrera de la IA son Estados Unidos, Japón y Corea del Sur. Los envíos de iPhone de Apple $AAPL en China se disparan en medio de descuentos. Elecciones de la UE: Meta $META agrega funciones al rastreador de información errónea. Mester: La Reserva Federal debería usar más palabras, conectar los puntos.

Valerie Vu, Founding Partner of Ansible Ventures, and Jeremy Au discussed three main points: 1. Vietnam $24B Bank Bailout & Legislature Chairman Resignation: Jeremy and Valerie discussed the $12B fraud at Saigon Bank, the death penalty verdict, the appeals process and the closure of 50+ bank branches. The Vietnamese central bank injected $24B of "special loans" to prevent a banking crisis, which reduced the liquidity of their foreign exchange by one quarter. They touched on new political resignations due to the "blazing furnace" anti-corruption campaign, including the Chairman of the National Assembly - one of the country's top 4 leadership positions. 2. Apple Investment & China High-Speed Rail: International investors continue to move capital into the country despite these political shifts, exemplified by Apple's $16B of spending through the local supply chain since 2019, 200,000+ jobs created and increasing their CSR commitments. China is collaborating on cross-border high-speed railways, connecting Vietnam's port cities of Haiphong and Quang Ninh through Hanoi to Lao Cai province, which borders China's Yunnan province, and from Hanoi to Lang Son province, bordering China's Guangxi region. 3. FPT $6B Tech Conglomerate Growth: FPT was founded in 1988 as "Food Processing Technology" and has now become the country's leading software tech conglomerate valued at $6.4B on the Vietnam stock exchange with $1.7B+ of annual revenue operating across 50+ countries. FPT announced its strategic partnership with Nvidia to build a $200M AI R&D factory leveraging multiple Nvidia chips and technology frameworks. Jeremy and Valerie also talked about why people haven't heard of FPT, why companies actually invest in corporate social responsibility (CSR), and whether they would take the local train from Hanoi to Ho Chi Minh City. Watch, listen or read the full insight at https://www.bravesea.com/blog/vietnam-banking-bailout Nonton, dengar atau baca wawasan lengkapnya di https://www.bravesea.com/blog/vietnam-banking-bailout-in 观看、收听或阅读全文，请访问 https://www.bravesea.com/blog/vietnam-banking-bailout-cn Get transcripts, startup resources & community discussions at www.bravesea.com WhatsApp: https://chat.whatsapp.com/CeL3ywi7yOWFd8HTo6yzde TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Learn more about Grain here: https://www.grain.com.sg  

Mind Pump Fit Tip: MANAGE your algorithms. (1:41) Shout out to Dr. John Delony. (14:29) Sal's vasectomy experience. (16:49) Why Sal is dropping the ‘wife beater' when working out. (24:00) Adam's latest Tirzepetide challenge. (26:12) The homelessness epidemic in California. (39:51) The state of the economy. (43:54) Conspiracy theory corner with Mind Pump. (49:42) #Quah question #1 - As a 48-year-old male I'm having a tough time with increasing the overhead press. What would you recommend as a “Z” press progression? (58:43) #Quah question #2 - Is 30G of protein powder the same as 30G of animal-sourced protein? What are the differences in terms of how much we absorb? (1:02:50) #Quah question #3 - How does the body actually lose or burn fat? Do you sweat it out, breathe it out or is it something else? (1:07:29) #Quah question #4 - I made tremendous strength gains through Anabolic. I put 50 lbs. on my squat and 130 lbs. on my deadlift. I've done this w/o straps or a belt. At what point should someone start using wrist straps or weight belts? (1:11:52) Related Links/Products Mentioned Listen to the Dr. John Delony Show wherever you get your podcasts or click the link here Visit Butcher Box for this month's exclusive Mind Pump offer!  ** New users will get $20 off your first order ** April Promotion: MAPS Anywhere | MAPS HIIT 50% off! ** Code APRIL50 at checkout ** Mind Pump # 1140: Nir Eyal The Girls Are Not Alright: Responses to Three Claims that the Youth Mental Health Crisis Is Exaggerated The Dumbphone Boom Is Real | The New Yorker TRANSCEND your goals! Telehealth Provider • Physician Directed GET YOUR PERSONALIZED TREATMENT PLAN! Hormone Replacement Therapy, Cognitive Function, Sleep & Fatigue, Athletic Performance and MORE. Their online process and medical experts make it simple to find out what's right for you. Nearly one-third of nation's homeless population lives in California, new research shows Audit finds California spent $24B on homelessness in 5 years, didn't consistently track outcomes Inflation runs hot for third straight month, driven by gas prices and rent Dollar stores are shutting down across America. They did this to themselves San Francisco Bill Would Let People Sue Grocery Stores for Closing Too Quickly @Travis_in_Flint post on X Mock human sacrifice at Cern Visit NED for an exclusive offer for Mind Pump listeners! ** Code MINDPUMP at checkout for 15% off ** One Arm Arnold Press- Improve Shoulder Mobility & Development Build An Iron Grip with the Bottoms-Up Kettlebell Press Mind Pump # 1950: Shoulder Building Masterclass Exhaled Pounds: How Fat Leaves the Body Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Nir Eyal (@neyal99)  Instagram Dr. John Delony (@johndelony) Instagram Layne Norton, Ph.D. (@biolayne) Instagram

In this episode of the CEO Insider Podcast, Ed Curtis speaks with Texas Comptroller Glenn Hegar. Hegar talks about how Texas is expanding rapidly in the business market, how Texas is the #1 state for job creation in the nation, and much more! Topics covered include: Texas leads the nation in job growth in 2023. His travels across the state confirm that growth is occurring in all 12 economic regions in Texas. He and Ed discussed the financial services sector being a major growth sector (and top contributor to Texas GDP). Hegar shared that 20% of all value exported out of the US comes out of Texas, and that the economy is between 9-10% of US GDP. Texas is now the 8th largest economy in the world, with France next in line to surpass for 7th place. The energy sector is growing based on increased demand from consumers and businesses. His statewide conversations have made him appreciate the complexity of the energy generation to consumers - and the demand gap that occurs in the late afternoon. He stressed his focus on keeping energy costs low, which will continue to attract investment into the state. His broadband plan is continuing to roll out, as over 3million households and businesses do not have access or reliable access to internet connectivity. His team has been executing well on a statewide listening tour, and is working closely with internet service providers to provide reliable service through a competitive marketplace. The new economic development incentive program that replaced Chapter 313 is underway and is accepting applications. They received their first application and expect it to be a successful tool to continue to attract business into the state. Last, the state has a $17B budget surplus. The state's rainy day fund is at $19B and is expected to be up to $24B shortly. YTexas is an elite Texas business network for companies relocating, expanding and growing in the Lone Star State. The organization is the premier go-to resource for the most current insider information about Texas' community, commerce and culture. YTexas provides a platform for the exchange of information and ideas, and fosters long-term, mutually beneficial relationships that help culturally integrate companies entering Texas. Headquartered in Austin, YTexas has received national acclaim for being at the forefront of economic development trends.

This episode of "What's Up This Week" host Jay Schwedelson provides updates on the latest trends and developments in influencer marketing, Reddit's plans to go public, and LinkedIn's push into consumer marketing targeting high-value customers.Key Discussion Points:- Influencer marketing spend is predicted to reach $24B by 2024, up 50% in 2 years. However, some practices like Nike's deal with a 13-year old raise ethical questions.- Weight Watchers' GLP-1 House campaign with influencers backfired when it was revealed the influencers never actually used the product. Shows the need for authenticity.- Reddit plans to go public and is launching new ad creative certifications to grow advertising revenue. Opportunity to become an expert in Reddit ads early.- LinkedIn is aggressively positioning itself for consumer marketing targeting high-income households, citing stats like 19% higher average household income than other platforms.And MASSIVE thank you to our Sponsor, Marigold!!Marigold is a relationship marketing platform designed to help you acquire new customers and turn them into superfans with their best-in-class loyalty solutions. Don't take my word for it though, American Airlines, Honeybaked Ham, Title Boxing, and Notre Dame University are also customers!Regardless of your size, check out Marigold today to get the solution you need to grow your business!Get this podcast EXCLUSIVE offer today!https://jayschwedelson.com/marigold/

Bankless Weekly Rollup 2nd Week of December 2023 -----

Today's blockchain and cryptocurrency news Bitcoin is up .5% at $41,900 Eth is up .5% at $2,223 BNB is up .5% at $251 IRS wants $24B from FTX ARK invest offloads more GBTC China's BSN announces RealDID El Salvador gets regulatory approval for Volcano Bonds. Market sees over $500M in liquidations Get 15% off OneSkin with the code DCR at https://www.oneskin.co/ #oneskinpod Learn more about your ad choices. Visit megaphone.fm/adchoices

US equities were mostly higher this week, with the S&P and Nasdaq adding to last week's big rally (while the small-cap Russell notched its 12th decline of the past 15 weeks). Stocks added on to the prior week's big gains despite a lack of big stimuli and amid a decelerating Q3 earnings season. Thursday was the only session this week that saw the S&P move lower, with investors that day reacting negatively to some hawkish-leaning commentary from Fed Chair Powell and notably weak demand for a $24B auction of 30-year Treasury bonds.

Today's Post - https://bahnsen.co/40yBPwn We started off todays session in another quiet day, until about 1PM ET when we had an abysmal 30-year treasury auction on $24B of notes that moved rates higher across the curve that gave us our first down day in November for the SP500. With an increased supply in new issuance to fund a $2T budget deficit and a dearth of large buyers like our own Federal Reserve and other large Sovereigns it took higher rates to get this auction to close with the lowest bid to cover ratio in weeks. 2's are back over 5% and 10's were up 11 bps. Oil was flat on the day but down 7% this week back to pre-war levels, and while energy stocks have given up some gains as well keep in mind that the sector in large remains in an uptrend with 94% of the energy name complex has a 50 day moving average above its 200 day. I am far more focused on fundamentals like the increase in CAPEX in our names recently than technicals like this, but note worthy of its relative strength amongst other sectors nonetheless. Powell's comments today at the IMF cited that Fed officials were ‘not confident' they were restrictive enough with rates to bring inflation back to 2%, which added to todays give back in stocks. So, the market tea leaves yesterday read his statement as dovish and today hawkish, and so there you go. I get into why this day-to-day Fed obsession shouldn't matter to investors, and more in todays video podcast link below. Links mentioned in this episode: TheDCToday.com DividendCafe.com TheBahnsenGroup.com

Joni Hanson Davis is the female founder of Kirkland, Washington Femtech company Beli, modernizing reproductive, prenatal, and fertility health based on the latest nutritional science with one small, yet significant act of a daily prenatal vitamin for both men and women. After a long successful career leading Fortune 500 companies and technology startups to IPO, Davis founded Beli in 2018 with a personal mission to address the growing crisis of infertility and modernize the stagnant prenatal vitamin market. The fertility market is a $24B market, and yet prenatal vitamins still haven't caught up with modern nutritional science. 50% of all infertility can be traced to male infertility and nutrition plays a major role in successful pregnancy outcomes and science led Beli to look deeper at how nutrition plays a vital role in sperm health, launching the first modern male prenatal in 2019. Today, thousands of men across the country are using Beli and the company has built a following of loyal customers including heavy-hitter celebrity customers. The success of the men's prenatal vitamin led Beli to launch an exclusive women's prenatal in 2021 based on the latest folate and choline research to address both male and female fertility nutrition together. Beli has grown organically to become a profitable company with a multi-million dollar run rate with a small investment from strategic angel investors in the direct to consumer space in less than two years. Beli will be raising a Series A round this summer to further accelerate its strong growth. Prior to Beli, Davis held executive positions with Microsoft, InfoSpace, and Tableau Software.   https://belibaby.com https://www.instagram.com/beli.baby/   For more information about Michelle, visit www.michelleoravitz.com The Wholesome Fertility facebook group is where you can find free resources and support: https://www.facebook.com/groups/2149554308396504/ Instagram: @thewholesomelotusfertility Facebook: https://www.facebook.com/thewholesomelotus/

Joni Hanson Davis is the female founder of Kirkland, Washington Femtech company Beli, modernizing reproductive, prenatal, and fertility health based on the latest nutritional science with one small, yet significant act of a daily prenatal vitamin for both men and women. After a long successful career leading Fortune 500 companies and technology startups to IPO, Davis founded Beli in 2018 with a personal mission to address the growing crisis of infertility and modernize the stagnant prenatal vitamin market. The fertility market is a $24B market, and yet prenatal vitamins still haven't caught up with modern nutritional science. 50% of all infertility can be traced to male infertility and nutrition plays a major role in successful pregnancy outcomes and science led Beli to look deeper at how nutrition plays a vital role in sperm health, launching the first modern male prenatal in 2019. Michelle talks with Joni about why men taking prenatals are just as important for men for a healthy pregnancy. Dr. Thomas Su is a cosmetic surgeon and the owner of ArtLipo Plastic Surgery based in Tampa, Florida. It is a highly regarded clinic providing some of the most advanced liposuction procedures in the world. He has performed awake - only liposuction for over 15 years. He joins Michelle to talk about his practice and lipedema, how it affect women and what can be done for it.Dr. Su is defined by his passion for art since high school. He went on to study human figure drawing, painting, and sculpting in college, resulting in a Bachelor's Degree in Fine Arts. His love for art of the human figure is made apparent in all of his work and is the reason for his high degree of perfectionism when it comes to liposuction.Compared to other cosmetic or plastic surgeons who perform a myriad of different surgeries, Dr. Su concentrates on only liposuction. He has developed advanced skills and a level of expertise that few surgeons doing liposuction can master. Dr. Su is the innovator of the Interactive Lipo Method and Celebrity Arms Sculpting. The Interactive Lipo Method is a culmination of techniques derived from Dr. Su's background as a figure artist and sculptor.Cardiovascular disease is one of the biggest public health crises of our time and remains a leading public health challenge in the US and globally.1 In fact, someone in the US has a heart attack approximately every 40 seconds. Having a high low-density lipoprotein (LDL) cholesterol number – the “bad” cholesterol – can raise your risk of heart attack and stroke. Too much LDL cholesterol can lead to a buildup of fatty deposits, or plaques, inside your arteries. These plaques can narrow arteries and reduce blood flow. If a piece of the plaque breaks free, it might travel into the bloodstream and block a blood vessel to the heart or brain, causing a heart attack or stroke. For people who have had a heart attack or stroke, knowing the connection between high cholesterol and the risk of having another cardiovascular event is vital because taking steps to aim for and maintain a low LDL cholesterol level can reduce their risk of future events. Dr. Eduardo Sanchez serves as Chief Medical Officer (CMO) for Prevention for the American Heart Association. Lorraine Martin, President and CEO, National Safety Council joins Michelle to talk about what can be done to intervene in the workplace when there's been an overdose. Overdoses have emerged as the leading cause of unintentional death in the United States, with opioids involved in a staggering 77% of these incidents. Overdoses can happen anywhere, including the workplace – and the numbers are alarming: workplace overdoses, often linked to opioid misuse, have surged by an astonishing 536% since 2011, cutting across all worker demographics, industries and occupations. At the National Safety Council (NSC), the mission is clear: to save lives from the workplace to anyplace. To fulfill this mission, the Council recently launched the Respond Ready Workplace initiative that focuses on three critical aspects: overdose and naloxone awareness, access and adoption.The Capital City Africa Week Festival and Ghana Week DC, a first-time series of events devoted to the celebration of Ghanaian art, culture, business, tourism, sports and more, is taking place October 9-14, 2023 in Washington, D.C. Hosted by the Ghana Embassy in Washington, D.C., the Ghana Tourism Authority, LIQUID SOUL-DC, Events DC, and D.C. United, the full schedule of events was revealed today, including the “Capital City Africa Cup,” a historic soccer friendly on Saturday, October 14, 2023 at 5:00 PM at Audi Field between Major League Soccer's most decorated club, D.C. United, and Ghana Premier League champions, Medeama SC.

Many women experience it during their pregnancies . . . it's pregnancy cravings. Over the years, I've heard from hundreds of my clients about their pregnancy cravings. I've had women tell me they craved fruit, a particular flavor of ice cream, cheese, protein, french fries, and even some strange pregnancy cravings. We wanted to learn more about what causes these pregnancy cravings and why they can be so different from woman to woman and from pregnancy to pregnancy. Joni Davis is joining us today to help us learn more about this topic and discuss the importance of health before, during, and after pregnancy. Who is Joni Davis? Joni Hanson Davis is the female founder of Kirkland, Washington Femtech company Beli, modernizing reproductive, prenatal, and fertility health based on the latest nutritional science with one small yet significant act of a daily prenatal vitamin for both men and women. After a long, successful career leading Fortune 500 companies and technology startups to IPO, Davis founded Beli in 2018 with a personal mission to address the growing crisis of infertility and modernize the stagnant prenatal vitamin market. The fertility market is a $24B market, and yet prenatal vitamins still haven't caught up with modern nutritional science. 50% of all infertility can be traced to male infertility, and nutrition plays a significant role in successful pregnancy outcomes. Science led Beli to look deeper at how nutrition plays a vital role in sperm health, launching the first modern male prenatal in 2019. Today, thousands of men across the country are using Beli, and the company has built a following of loyal customers, including heavy-hitter celebrity customers. The success of the men's prenatal vitamin led Beli to launch an exclusive women's prenatal in 2021 based on the latest folate and choline research to address both male and female fertility nutrition together. Beli has grown organically to become a profitable company with a multi-million dollar run rate with a small investment from strategic angel investors in the direct-to-consumer space in less than two years. Prior to Beli, Davis held executive positions with Microsoft, InfoSpace, and Tableau Software. What Did We Discuss? In this episode, we chat with Joni about pregnancy cravings, controlling them, and what nutrients are needed for you and your growing baby. Here are several of the questions that we covered: What nutrients are essential for women during the prenatal period? What are the best sources of these essential nutrients? Many women experience pregnancy cravings at some point in their pregnancy. Is there any science behind these cravings? Pregnancy cravings may often be for foods not traditionally considered "healthy." Is it okay for women to indulge in these cravings? What do you suggest for women to help curb their cravings? Do you have any favorite "treats" that are also nutritional for pregnant women? What is your top tip for moms during the prenatal phase? Joni's Resources Website: Beli Instagram: @beli.baby Learn more about your ad choices. Visit megaphone.fm/adchoices

Times for Action - Deconstructing the Political StageWebsite: http://www.battle4freedom.comNetwork: https://www.mojo50.comStreaming: https://www.rumble.com/Battle4Freedomhttps://www.dailymail.co.uk/news/article-12543797/Liberal-actor-John-Cusack-says-Democratic-Party-elite-sold-working-class-decades-accuses-not-having-moral-intellectual-honesty.htmlLiberal actor John Cusack says Democratic Party elite 'sold out the working class for decades' and accuses them of not having 'moral and intellectual honesty'The Hollywood actor is known for his political activism and left-wing viewshttps://www.dailymail.co.uk/news/article-12542687/Biden-pick-CONFIRMED-chair-Joint-Chiefs-Staff-Gen-Charles-Brown-motto-accelerate-change-lose-replaces-Gen-Mark-Milley-three-years-wore-fatigues-walk-Trump-church-photo-op-amid-BLM-protest.htmlBiden pick is CONFIRMED as chair of the Joint Chiefs of Staff: Gen. Charles Brown - whose motto is 'accelerate change or lose' - replaces Gen. Mark Milley three years after he wore fatigues to walk Trump to church for photo-op amid BLM protestGeneral Charles Brown is confirmed as the new chair of the Joint Chiefs of StaffHe will replace controversial General Mark Milley, who was in the role since 2019Brown made headlines when he spoke up about the cop killing of George FloydOur Constitution works; our great republic is a government of laws and not of men. Here, the people rule. - Gerald R. FordIt is ordained in the eternal constitution of things, that men of intemperate minds cannot be free. Their passions forge their fetters. - Edmund Burkehttps://www.dailymail.co.uk/sciencetech/article-12542105/First-3D-Printed-Vegan-Salmon-Supermarkets-Revo-Foods-Fungi.htmlNothing fishy about it! Lab-grown, 3D-printed SALMON goes on supermarket shelves for the first timeVegan salmon-maker Revo Foods hopes the product will curb global overfishingRevo says the fillet uses at least 77 percent less carbon than wild-caught salmonhttps://www.dailymail.co.uk/news/article-12543703/Poland-STOPS-supplying-Ukraine-weapons-war-Russia.htmlPoland STOPS supplying Ukraine with weapons - handing Putin a huge victory on the day Zelensky tries to win more aid from the US amid cries to cut supportWarsaw is one of Kyiv's main supporters, welcoming refugees and providing aid But Polish PM declared his government will no longer send weapons to UkraineThe move piles more pressure on Zelensky who today seeks more US supporthttps://www.dailymail.co.uk/news/article-12532469/African-migrants-exploit-immigration-loophole-Nicaragua.htmlHundreds of African migrants sneak into the US in broad daylight after exploiting immigration loophole in Nicaragua that allows them in with no questions asked for just $160Hundreds of migrants from Africa and elsewhere are using a loophole in Nicaraguan immigration law to make their way to the United States DailyMail.com traveled to Lukeville, Arizona, and saw at least 600 migrants, many of them African refugees, crossing the southern border on one day alonehttps://www.dailymail.co.uk/health/article-12540421/Stanford-covid-lockdown-skeptic-Dr-Jay-Bhattacharya-touts-court-ruling-Biden-administration-censored-criticism-masks-school-closures.htmlStanford Covid lockdown skeptic Dr Jay Bhattacharya touts court ruling that Biden administration censored criticism about masks, school closuresCourt of appeals ruled Biden administration censored skeptics on social mediaThose skeptics argued that their petition critical of lockdowns was scrubbedREAD MORE: Lockdowns had 'catastrophic' impact on children's social skillshttps://www.dailymail.co.uk/news/article-12544785/Biden-plans-track-illegal-immigrants-released-U-S-ID-cards-wait-court-appearance.htmlBiden plans to track illegal immigrants released into the U.S. with ID cards as they wait for court appearanceICE is preparing to rollout a pilot of its Secure Docket card program for migrantsThe program will provide asylum seekers released into the U.S. with ID cards to help better keep track of them until their court date Republicans claim the program is another example of the Biden administration welcoming illegal immigrants rather than prioritizing deportationhttps://www.dailymail.co.uk/news/article-12545385/kathy-hochul-migrants-new-york.htmlNY Gov. Kathy Hochul's migrant U-turn: Video reveals how Democrat welcomed asylum seekers 'with open arms' in 2021 - but TODAY she tells them: 'Go somewhere else'The Democrat addressed the migrant crisis in NYC on WednesdayOver 110,000 asylum seekers have arrived since the spring of 2022, with over currently 10,000 arriving every monthThe Roosevelt Hotel, Paul Hotel and Paramount Hotel are among the hotels designated for housing migrants in Manhattanhttps://www.dailymail.co.uk/yourmoney/article-12545589/NFT-crash-worthless-value-Bored-Ape-artwork-Justin-Bieber.htmlNFT crash: 95% of the market is now 'worthless', study finds - as value of 'Bored Ape' artwork owned by Justin Bieber plummets by 97%The vast majority of NFTs created are now worthless, according to a studyAnd even the most popular and prestigious NFTs are down more than 95 percentJustin Bieber paid $1.3M for an ape NFT in 2022, but it's now worth around $50Khttps://www.dailymail.co.uk/health/article-12545967/Scientists-discover-11-aggressive-prostate-cancer-genes-time-large-global-study.htmlScientists discover 11 aggressive prostate cancer genes for first time in large global studyFindings come from the largest-scale prostate cancer looking at geneticsHas major implications for genetic testing to catch and treat cancers early https://www.dailymail.co.uk/sciencetech/article-12545855/Devastating-transition-green-energy-metal-mining-23-million-people-toxic-waste-rivers-polluted-farmland.htmlDevastating risks of transitioning to 'green' energy: Mining for electric-powering minerals has left 23 million people exposed to toxic waste, 500,000km of rivers polluted and 16 million acres of farmland ruinedToxic byproducts of metals mining also pollute 10.7 million acres of flood plains Researchers estimate the pollution also impacts 5.72 million livestock worldwideScientists hope their new global database and mapping tool helps stem the tidehttps://www.dailymail.co.uk/news/article-12546669/zelensky-biden-white-house-ukraine-joe-jill-olena-funds.htmlZelensky takes battle for more funds and weapons to the White House: Ukrainian leader hints to Biden he wants more missiles in pivotal talks as Republicans refuse to budge on $24B in aidZelensky met lawmakers on Capitol Hill, military leaders at the Pentagon and President Biden at the White HouseHe hinted to Biden he'd like more air defense missiles

Facts & Spins for August 12, 2023 Top Stories: A special counsel is appointed in the Hunter Biden probe, China arrests an alleged CIA spy, Biden calls China a 'ticking time bomb,' at least 23 Rohingya are killed after their boat sinks off Myanmar, Trump and an aide plead not guilty to new classified documents charges, Biden asks Congress for an additional $24B in Ukraine aid, India looks to scrap colonial-era laws, US mortgage delinquency rates fall to an all-time low, Rupert Murdoch's News Corp sees profits plunge 75%, and data reveals the US recorded its highest number of suicides in 2022. Sources: https://www.improvethenews.org/ Brief Listener Survey: https://www.improvethenews.org/pod

Sharply higher insurance premiums are affecting property owners nationwide. It's especially bad in: CA, LA, FL, TX and CO. This is due to erratic weather (climate) and higher rebuilding costs.  Phenomena like an increasing intensity and frequency of hurricanes, tornadoes, wildfires, and floods are sending some insurers out of business. State Farm and AllState completely stopped issuing new homeowner policies in California. Some areas are on the brink of becoming completely UNinsurable. In that case, the only sales that could occur with all cash buyers. Learn three techniques to keep your skyrocketing insurance costs lower. As you'll learn today, landlords have more options than homeowners for navigating spiking insurance rates. Then, listen to a CNBC clip along with me about how the end of ZIRP (zero interest rate policy) affects your life and investments. Resources mentioned: Show Notes: www.GetRichEducation.com/461 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Welcome to GRE! I'm your host, Keith Weinhold. First, I'm going to help you make your real estate more profitable in the near term as I discuss how to deal with skyrocketing property insurance costs.    Later, I'll inform your strategy about your long-term, overall personal finance as we talk about what the end of free money means in this new era of higher interest rates. Today, on Get Rich Education. ____________   Welcome to GRE! From Tirana, Albania to Albany, New York and across 188 nations worldwide, I'm Keith Weinhold and you're listening to Get Rich Education.   This is how real wealth is built in the real world with real estate. We aren't day traders. We are DECADE traders.   And we do that with the right mission. Let's invest directly in America - own real property in American neighborhoods, and provide housing that's clean, safe, affordable and functional.   And when we all do that, we can abolish the term “slumlord”.   Conversely, what do some people think about first? Themselves.   [RIC FLAIR CLIP]   Ha ha ha! Over the top with some vintage Ric Flair. There's nothing wrong with living well. But that best comes as a byproduct of serving OTHERS first.   Let's talk about the SKYROCKETING cost of property insurance. Why it's happening, what MY experience is, and what you can do to manage it.   First of all, and I hope that none of my insurance agents are listening, but why would you ever work in the insurance industry?    And I kid. But that's got to be one of the most boring industries to work in.   What 15-year-old ever says that when they grow up, they want to be an insurance broker? Nobody.   But, in any case, it is a STABLE industry because there will long be a need for insurance.   But, I mean, even your customers - the policyholders like us - we don't really want insurance.   Insurance ads all say the same thing: “Switch and save.” No one has seen an advertisement from this industry that says, “Upgrade for better coverage.”    That's because so many people just want the minimum coverage and want to get on with their lives… until a calamity occurs.   But now, the insurance industry has gotten SOMEWHAT more interesting lately, the effects of which center around erratic weather… maybe you like calling it climate change, maybe you don't.   But suffice to say, if erratic weather persists, then it's no longer erratic, rather, it is, in fact, a pattern, and then, a change in a region's climate.   The intensity & frequency of storms is increasing. I'm talking about weather phenomena like hurricanes, floods, wildfires, tornadoes, and even high snowfall.    Inflation also means that there are rising COSTS to rebuild.    And RE-insurance costs are higher. Yes, your insurance company gets insurance from insurers themselves, called re-insurance. Re-insurance companies insure insurers.   Everyone knows State Farm's jingle. “Like a good neighbor, State Farm is there.” No, State Farm is gone.    State Farm is the largest home insurer in CA. So they're the largest home insurer in the most populous state.   Well, you might have heard a few months ago that they're completely stopping issuance of new home insurance policies in all of CA. And AllState followed shortly afterward.   Persistent wildfires are a culprit there.   Insurance companies can't make any money so it's hard to blame them.   Well, why don't they just, say, double their premiums? Some sure have. Others can't because of competition for lower rates from other companies.    But a lot of SMALLER insurance companies - including many in Florida - have done just that. They've gone out of business… and when there are fewer companies in business - less competition - that's when rates can get jacked up high.   Insurance rates are up the most in many of the states that have the greatest incidence of hurricanes, floods, and wildfires.   What are the states where rates are rising most?    CA, LA, and FL. And after that, TX and CO too, and some other states.    TX is one state that's subject to both hurricanes and tornadoes - hurricanes in SE Texas - Galveston, Houston and Corpus Christi.   And tornadoes in NE Texas, like Dallas-Fort Worth.   So, when hazards happen, losses can occur. That's why your lienholder - your mortgage holder - forces you to have insurance. They require you to have it because they're not willing to take that risk.   Louisiana's problems with insurers REALLY compounded a few years ago when Hurricanes Delta, Ida, and Laura hit the state. That created a true crisis in Louisiana's insurance market.    A lot of insurers just left with $24B in insurance claims during that period. Others in Louisiana stopped issuing new policies and increased the premiums on the existing insured homeowners.   Now, I'm going to center on the homeowner's insurance problem in Florida soon, because Florida is a popular investor state, I own a lot of rental properties in Florida and I'll tell you about my personal insurance experience there shortly.    When it comes to wildfires - which are often spurred by hot, dry, and windy weather conditions, some areas are on the brink of becoming completely UNinsurable.    California has a bunch of regions like that. And other places like Bend, Oregon and Boulder, CO are in danger of insurance denial because the homes are surrounded by forest.    If that happens there, the only resale market for the properties would be to all-cash buyers, unless the state ever comes in to buy them out since people were ALLOWED to build there in the first place.   Now, notice that I haven't mentioned earthquakes yet. Earthquakes aren't related to the surface weather like hurricanes and wildfires and these other things are.   Earthquake insurance, which many people have in places like CA, WA, OR and AK is often a completely SEPARATE policy from your standard homeowner's policy and EQ insurance is prohibitively expensive.   Besides that, their deductibles can be high, like 10 or 20%. If an earthquake completely destroys your $500K home and you have a 20% deductible…   … then to even make a claim, you'd need to come out of pocket $100K first - plus you'd be paying high premiums all that time just to have that condition!   Anchorage, AK had a big magnitude 7.1 earthquake back in 2018.    I was in Anchorage when it happened and I told you about that here on the show back then. I was pretty shaken up.    At the time, I owned dozens of apartment units in Anchorage. I don't anymore. I had, maybe $40,000 of out-of-pocket cosmetic damage that I had to pay from that one earthquake.   Lienholders DO not make EQ coverage a necessity, and 25% of Anchorage homeowners had coverage before the quake. It went up to 35% afterward.   Fortunately, the top cash flow REI areas don't tend to be in the west coast of the United States.   So, how high have some of these insurance premiums gotten in states known for disasters?   Well, the average is about $225 per month in LA. In TX, it's $250 per month on their average $300K home, and in Florida it's about $325 monthly on a $300K home.    Of course, that's going to vary by what region of the state you're in and distance from the coast and such.   One weather phenomena that I haven't seen any evidence of in contributing to higher insurance costs is heat itself.    This summer, Phoenix hit a new record for consecutive days that exceeded 110 degrees Fahrenheit. That went on for weeks on end.   But heat in itself, and its resultant air conditioner use and power load - is not something directly attributable to escalating insurance costs, unless power load problems start a fire.   Now, you keep hearing about climate migrants moving to more northerly places with access to a lot of fresh water like Minnesota, Michigan, and Wisconsin.   But these stories seem to be largely anecdotal and of little impact.   The faster-growing areas continue to be in the Mojave and Sonoran deserts - that's Las Vegas and Phoenix - places with lots of heat, rising heat, and dry conditions.    And despite what you might think, they're not going to run out of water anytime soon.    Those deserts actually have a lower incidence of natural disasters too, which is one reason why they've built new microchip plants in Phoenix.    Climate migrants moving north might be a thing at some point - but it still is not.   Well, speaking of hot in-migration states, Florida has had a LIGHT hurricane season so far. But that's not the kind of thing that we can count on for long.   Rates have gone up more than 50% throughout the state of Florida, with ALL insurance carriers.    Carriers are either pulling out of the state (because its not profitable for them), or they're increasing rates across the board, or they're not renewing policyholders.   Now, I've had my rates hiked up on my Florida properties more than once.    There, it's often because an insurance company goes out of business due to too many claims, and then I have to switch to another landlord's policy carrier that always has higher rates.   So here's what happens. I get a notice in the US mail that my current insurer on a Florida rental SFH - call them Insurer A - is going out of business in 5 months and that I have 5 months to find a new insurer - call them Insurer B.   So I take a photo of that notice and forward it over to my Florida insurance agent and ask them to give me quotes for my new prospective Insurer B.    Now, say that if you don't do that.    If you don't ask your insurance broker or agent to get you a new policy, if you don't act, here's what happens.   Say that the 5-month deadline approaches and you still don't have new coverage lined up.   Your mortgage holder, call them Wells Fargo or Chase, they'll send you a notice in the mail and remind you that it's required that you have insurance in place – because Wells Fargo or Chase doesn't want to be on the hook for the risk… and if you don't get a new insurer - Wells Fargo, say, will buy a policy FOR you & make you pay it.   And the insurance that they buy for you will have lesser coverage and cost way more.   It seems like, whoever the bank is, they always tell me that they're going to buy me an ultra-pricey policy with Lloyd's of London.   So again, it doesn't entail too much work on your part. If your insurer is going out of business or just doesn't want to issue you a new policy, share that notice with your insurance person and ask them for new quotes. That's a quick, easy thing to do.   And then, when you switch insurance companies, your PM must submit photos of your rental home to the new insurer within something like 15 days.   Over the past few years, I think I've had Florida properties where the premiums have been hiked up steeply twice. I seem to remember a complete doubling a year or two ago.   More recently, I had 30% rate increases on some of my Florida rental properties.   So how much am I paying now? Well, on one Florida rental SFH that has a market value of about $300K, I'm paying $330 per month.    Of course, for your long-term rental properties, your landlord insurance contract should provide what's called “loss of rents,” coverage.   That's something that OO homeowner's policies don't have.    That means that if your property is damaged and your tenants are displaced, your insurer pays the fair market rent to you since the tenant won't. That's typically capped at 12 months.   On your STRs - like AirBnBs and VRBOs, the coverage that you want is called “lost business income” with no time limit. And that might take an upgrade to a commercial insurance policy for STRs.   Alright, so let's get to something actionable. We are real estate investors for the production of income.   So amidst what are perhaps UNPRECEDENTED increases in insurance premiums these last few years, how do you navigate this, and what do you do to stay profitable?   Well, whether you're an OO or a rental property owner, you can do things like make sure that your coverage is appropriate.   You can raise your deductible amount to reduce your annual premium, of course.   The more financially strong that you are, the higher you can make your deductible because the less a claim is going to impact you.   But as a rental property owner, you have a FEW LEVERS that you can pull that OOs cannot.   The big one - is that this is your cue to RAISE THE RENT.   Yes, higher insurance premiums point to raising the rent.    Really, this is like a game of hot potato… and it is your job to pass along the potato. That's all that you're doing here.   See, the reinsurer raised rates on your property insurer.   Your property insurer is raising the rate premium on you, the property owner.   Now it's your job to pass along the hot potato to the tenant in the form of a rent increase.   Then your tenant has to pass along the hot potato by asking their employer for a raise or finding new employment.   And it keeps going, now your tenant's employer needs to pass along the higher labor cost in the form of raising consumer prices on the goods or services that they produce… and it continues throughout the economy.   That's how inflation works.   It's your job to pass along the hot potato.   What if the tenant leaves? Well, there's always that possibility.    But if they go to rent or buy a “like” property, it's still going to have the same higher insurance cost that they'd have to pay.   For help with that, and this is the second time that I referred back to this recently, in Episode 449, just twelve weeks ago, I provided you with 12 ways to raise the rent. Again, that's Episode 449.   You always want to provide a REASON to the tenant about why their rent is increasing, say 5% in this case for example.   Nothing beats the truth. Your insurance costs are higher. That's the reason.   Now, you might be wondering, if, say, insurance costs just rose 30%, like they did on one of my own properties recently, then how is a 5% rent increase going to offset that?   That's because your rent amount is multiples more than your monthly insurance amount.   If your rent on a property goes from $2,000 to $2,100, that's just 5%, but it's a $100 increase in your income.   If your monthly insurance cost goes from $200 up 30% to $260. That's a $60 decrease in your income.   You have a $100 gain from rent and just a $60 deduction from your insurance increase, and you've more than offset it. It's THAT effect.   Now, what if your numbers don't work for raising the rent though? As an income property owner, you have other levers that you can pull that are less palatable as an OO.   That is, can you sell the property? If you're in SFRs, there is a big buyer appetite for them.   And in just the past three years, there's been so much appreciation that you might have a lot of equity such that you can trade it up for 2 SFRs.   Now, new-build properties in a place like Florida have substantially lower insurance costs than older properties, because new-build properties are built to more stringent wind resistance requirements.   So you might trade up your older, existing Florida property in this case for a new-build property that has lower insurance deductibles.   Insurance costs ALONE rarely drive investment decisions. But it's the fact that you'd get to reposition dollars at a higher leverage ratio at the same time.   But now, if you've owned the property for, say 2 years or more, you might lose your ultra-low rate mortgage that you got a few years ago.   You need to run some numbers and see if it's worth giving up your low mortgage rate in order to get more leverage and lower insurance premiums. That's the trade-off.   See what works best for you.   So, your first lever is clearly to just raise the rent on your existing properties that have higher insurance rates.   To summarize what you can do to meet higher insurance premiums is:   #1 - Raise the rent. #2 - Tilt your portfolio into more NEW-BUILD properties in some markets, and #3 - Increase your deductibles.   They are the actionable takeaways that I really wanted to share with you today.    Keep investing. Tweak your strategy where you need to. Be sure that your tenants are taken care of.   And after that, remember, that it's common that when you have an insurance CLAIM, that you often profit from the event when your claim pays more than your actual losses were.   Coming up shortly, the 15-year Era of Money for Nothing is Over. How does this new era look and how do you adjust to it?   There is more real estate news and more that impacts your personal finances every week that we can cover in one big, weekly show here.   Strip Malls are Hot (yes, really) Strip malls are hot, Old Houses are Now as Valuable as New Houses, and Zillow predicts 6.3% HPA from June of this year to June of next year.   More details on stories like that, as well as my breakdowns of developments like that are in our Don't Quit Your Daydream Letter. You can get it free. Just text “GRE” to “66866”.    Actionable real estate guidance, breaking news, and a dose of my dorky, cornball humor are all in the letter.   Get it free by texting “GRE” to 66866. More next. I'm Keith Weinhold. You're listening to Get Rich Education. _____________   Welcome back to Get Rich Education. This is Episode 461. I'm your host, Keith Weinhold.   The United States is entering a new economic era. 15 years of access to nearly FREE MONEY has come to an end.   Let's listen in to this terrific CNBC compilation where you'll hear the voices of a number of economists, reporters, and directly from people that used to work at the Fed… on what this all means with the end of Fed Funds Rates at zero - the good and the bad.   Some familiar voices that you'll hear include CNBC's Steve Leisman.   And, near the end, Former Fed Chair Ben Bernanke.   This is about 12 minutes in length and then I will come back to comment.   [CNBC Clip]   Let's remember that economies work slowly. There are lag effects. The Fed began hiking rates in March of 2022.   And higher rates are only starting their job, not finishing.   Today, higher insurance premiums and a higher cost of MONEY (which is what interest rates are) are trends to navigate.   With both, if you're a landlord, you can raise the rent.    Longer-term, have that 30-year FIRD. Just that plain, vanilla loan in most cases. Nothing fancy.    That's because, living in the US has many benefits, like stunning national parks, seedless watermelon, and pizza with cheese baked into the crust.   But it's got something even better, even better than fixing your rate for 30 years. It's that ability for you to refinance as soon as rates drop.   You get to alter the deal whenever it's best for you whenever you're in residential real estate.   Well, at the end of the show, I've learned that you're often thinking “I want more. How can I get more content like this without having to wait until next week?”   I often like to leave you with something actionable at the end. Get our Don't Quit Your Daydream Letter. I write every word myself. You can get it free right now. Just text “GRE” to “66866”.    Until next week, I'm your host, Keith Weinhold. DQYD!

Bob is Head of the NY Private Capital Group within JLL Capital Markets in New York City. Bob was Chairman and Founding Partner of Massey Knakal Realty Services, New York's #1 building sales firm. In 2014, Cushman & Wakefield acquired Massey Knakal. At Cushman & Wakefield, Bob served as Chairman of New York Investment Sales. He was ranked the top originating investment sales broker at Cushman & Wakefield, globally, in 2014, 2015 and 2016. Bob joined JLL in September of 2018 as Chairman – NY Investment Sales. Since 2009, Bob has written a regular column on the New York City Real Estate Market called Concrete Thoughts for the Commercial Observer. On this episode, Chris and Bob discuss: ➡️ the techniques Bob has used to do over $24B in business ➡️ stories from over 40 years in the business ➡️ how development projects happen in NYC ➡️ a discussion of the current NYC market We'd appreciate you filling out our audience survey, so we can continuously work on providing relevant content to our listeners.  https://www.thefortpod.com/survey Additional Resources

I'm going to confess something to you: I totally went on a sugar spree, temporarily ditching my healthy habits. I'm I'm OK with it.When my amazing aunt was bravely fighting cancer, I realized how important it is to cut ourselves some slack and stop beating ourselves up .We'll dive into the importance of recognizing the choices we make during different seasons of our lives and giving ourselves a break. No more self-judgment, my friends. It's all about acceptance and understanding that we're only human. I also share my aunt's heart-wrenching battle with colon cancer, our special moments together, and why I decided to step away from my life. This episode has background walking music to keep you moving. If you prefer no music, listen to episode 24B. There's a bell at the halfway mark so you can turn around if you're walking outside. So, grab your walking shoes, take a deep breath, and join me for a coached walk. Together, we'll clear our minds and appreciate the beauty of life.Support the showThanks for listening. Stop by https://yourwalkingpodcast.com to grab your free guide to fitting walking into your busy day.

In episode #239 of The Hormone P.U.Z.Z.L.E Podcast, our guest Joni Davis talks about Prenatal Vitamins with Beli. More about Joni: Joni Hanson Davis is the female founder of Kirkland, Washington Femtech company Beli, modernizing reproductive, prenatal, and fertility health based on the latest nutritional science with one small, yet significant act of a daily prenatal vitamin for both men and women. After a long successful career leading Fortune 500 companies and technology startups to IPO, Davis founded Beli in 2018 with a personal mission to address the growing crisis of infertility and modernize the stagnant prenatal vitamin market. The fertility market is a $24B market, and yet prenatal vitamins still haven't caught up with modern nutritional science. 50% of all infertility can be traced to male infertility and nutrition plays a major role in successful pregnancy outcomes and science led Beli to look deeper at how nutrition plays a vital role in sperm health, launching the first modern male prenatal in 2019. Today, thousands of men across the country are using Beli and the company has built a following of loyal customers including heavy-hitter celebrity customers. The success of the men's prenatal vitamin led Beli to launch an exclusive women's prenatal in 2021 based on the latest folate and choline research to address both male and female fertility nutrition together. Beli has grown organically to become a profitable company with a multi-million dollar run rate with a small investment from strategic angel investors in the direct-to-consumer space in less than two years. Beli will be raising a Series A round this summer to further accelerate its strong growth. Prior to Beli, Davis held executive positions with Microsoft, InfoSpace, and Tableau Software. Thank you for listening! This episode is made possible by Puzzle Brew's Fertility Tea: https://coachkela.com/fertility-tea Follow Joni on Instagram: @‌beli.baby Check out their Prenatal & Fertility Vitamins for Him & Her and get 10% off HERE. Follow Dr. Kela on Instagram: @‌kela_healthcoach Get your FREE Fertility Meal Plan: https://coachkela.com/ FTC Affiliate Disclaimer: The disclosure that follows is intended to fully comply with the Federal Trade Commission's policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on this show. You should assume that some of the product mentions and discount codes given are "affiliate links", a link with a special tracking code This means that if you use one of these codes and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Website, podcast, and operations and the Company gladly reveals its affiliate relationships to you. The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommends products or services the Company believes will add value to its users. The Hormone Puzzle Society and Dr. Kela will receive up to 30% affiliate commission depending on the product that is sponsored on the show. For sponsorship opportunities, email HPS Media at media@coachkela.com

Fast X sped across the big screen this weekend, finding a powerful audience internationally. How did it measure up against F9? With a number of heavy hitters on their way to the box office, we have a packed lineup to talk about this week on Behind the Screens. Topics and times: Cannes Film Festival - 0:23 Fast X box office performance - 1:44 Fast X audience analysis - 3:14 Box office holdovers - 7:55 Next week's box office lineup - 8:58 The Little Mermaid pre-sales - 10:00 Box Office Overview: Fast X made $67M domestically and $251.5M internationally, for a worldwide total of $319M on its opening weekend. Fast X's domestic opening is in line with F9 and slightly ahead of Hobbs and Shaw. China led the way internationally with $78M for Fast X, with Mexico, France, Brazil, and India making up the remaining top 5 international territories. Guardians of the Galaxy Vol. 3 only dropped 48%, taking another $32M domestically, and $49M internationally for a worldwide current total of $659M. The Super Mario Bros. Movie added another $10M domestically — a drop of 21%. The Super Mario Bros. Movie now sits at a cumulative total of $551M domestic, $690M international, for a worldwide total of $1.24B. With John Wick: Chapter 4, the John Wick franchise has now made over $1B across its four instalments. Find us at https://www.linkedin.com/company/vista-group-limited/, and follow @moviohq & @numeroboxoffice on Twitter

Total Wine & More has grown into the country‘s largest independent retailer of fine wine. CEO Troy Rice shares the core trait he seeks to instill in every employee and that he's also seen emulated by his personal mentors, legendary Home Depot Founders Bernie Marcus and Arthur Blank.Once you hear Troy's story, you'll double down to make sure to foster this key trait in yourself and your team. He shares how it improves productivity, process, and the customer experience!

For this episode of the eCom Logistics Podcast, we welcome Josh Jewett, Operating Partner at NewRoad Capital Partners. Today, he shares his time and experience in working with enterprises and exploring opportunities in supply chain and operations using the technological advancements of today. He also shares his thoughts on professional services and how they interact with logistics overall. ABOUT JOSHJosh Jewett is an operating partner at NewRoad Capital Partners, a private equity firm investing in opportunities in Supply Chain, Logistics, Retail, and Consumer Packaged Goods sectors in the lower middle market. He leverages his executive experience driving value for two large retail enterprises to improve the performance of his firm's portfolio companies and the return for his firm's investors. Before his current roles, Josh was CIO at Dollar Tree, Inc. and its subsidiary, Family Dollar, Inc., from 2002 to 2020. Following the close of the $11B acquisition of Family Dollar in 2015, Josh led the effort to create IT as a shared service for all Dollar Tree banners.  In his role at Dollar Tree, Josh also partnered with fellow senior executives to drive several major corporate initiatives in supply chain and logistics, customer engagement, human capital management, and back office operations by leveraging a variety of advanced technological solutions to capitalize on the scale of the new $24B retail organization. Josh's leadership and expertise has been recognized by multiple regional and national industry organizations. Most notably, he was named CIO of the Year, “Strategic Impact” by RIS News in 2013. He was also chosen as CIO of the Year later that same year by the Charlotte Business Journal.  HIGHLIGHTS01:01 What brought Josh into the private equity world and taking a mentorship role05:51 Understanding a company as an enterprise-class buyer09:17 Is there ever a world where professional services and logistics do not exist13:03 Buy vs build from the technology standpoint16:22 Generative AI and the impact of similar technology QUOTES 06:40 It can be natural to become an enterprise-class buyer - Josh: "There's much more to it than just a great product. You have to have a great team, you have to have momentum in the marketplace, you have to have added competition and all that. But invariably that's the first thing I look at is what's the business problem it's trying to solve and do I believe that this is a good way to solve that problem"   10:15 Few organizations have the bench strength to implement a new product - Josh: "There's always a burn-in and optimization phase with a new platform. If you don't have skills or the resources to do that, there's no way to get around professional services supplementing your activity." Find out more about Josh in the links below:LinkedIn: https://www.linkedin.com/in/joshjewett-cio/Website: https://newroadcp.com/

Wayne Resnick is in the host's chair while BIll Handel is on vacation. ABC's Justin Finch joins the show to share more information regarding Congress' scramble to avoid a government shutdown. The Biden Administration wants the Supreme Court to allow a Trump-era policy restricting migrants to end. The crmininal justice panel wants California to pay restitution to victims and ban some traffic stops. And a $24B projected budget deficit may test California's resolve to grow a safety net amid concerns regarding a recession.

Today's blockchain and cryptocurrency news Bitcoin is up .5% at $15, 846 Ethereum is up .5% at $1,102 Binance Coin is up 1% at $257 FTX Group has 1.24B in cash. Genesis warns of possible bankruptcy, drops emergency raise target. BitPanda receives BaFin license. FalconX resumes use of Silvergate US Senators express concerns over SoFi Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 138 Flight Safety Detectives examine the crash of a Sabreliner twin engine plane in Ironwood, Michigan.  The pilots flew into severe weather and did not follow standard procedures to avoid engine flameout. The pilots were on a day trip transporting two business executives. They flew into a level 5 thunderstorm and lost both engines. The investigation showed they did not use the established checklist for this type of situation. John discusses the continuous ignition system that was not apparently turned on. That system is designed to allow for quick restart of the engines. Todd and John highlight key lessons and takeaways including the value of using standard procedures, avoiding weather, flying within aircraft limits, and actions the pilots could have taken. Related documents available at the FSD website: NTSB Final Report (PDF) AC 00-24B about Thunderstorms (PDF) August 2002 Accident Prevention article about this crash (PDF) Don't miss what's to come from the Flight Safety Detectives - subscribe to the Flight Safety Detectives YouTube channel, listen at your favorite podcast service and visit the Flight Safety Detectives website.