Podcasts about borrowing

Episode 303 - Borrowing Peace What if peace isn't something you have to create on your own? In this episode, the friars reflect on the gift of "borrowing" from Jesus. His peace, His confidence, His mercy, His steadiness, especially when our own hearts feel overwhelmed, anxious, or shaken. Like a child borrowing calm from a loving parent, we're invited to bring our storms to the One who is never overcome by them. They explore how Jesus offers us His very life: in prayer, in the Eucharist, and in the quiet steadiness of His presence. When we feel disregulated, afraid, ashamed, or unable to hold everything together, we don't have to manufacture peace by ourselves. We can receive His. This conversation is an invitation to return to Jesus in the boat, Jesus in the Eucharist, Jesus who gives His body and His peace to us so that what we receive from Him can become what we offer to others. Join us as we learn to borrow peace from Jesus, and become a place of calm, mercy, and safety for others. The Poco a Poco podcast happens because of many generous donors, including recurring monthly donations of any amount. Thinking about helping out? You can give at https://spiritjuice.org/supportpoco. Thank you!

US residential electricity prices have risen by more than 40 per cent since the start of 2021, which is much faster than general inflation. Utilities requested a total of $31 billion in increased rates last year, double the amount in 2024. And investor-owned utilities are planning to spend $1.4 trillion on capital projects over the next five years – enough on one calculation, to build almost 2,000 Hoover Dams at today's prices. So why are American electricity bills going up, and what can be done to provide some relief for hard-pressed consumers?In this episode, host Ed Crooks and regular contributor Dr Melissa Lott are joined by Charles Hua, founder and executive director of PowerLines, a nonprofit launched in 2024. Charles's focus is on US states' Public Utilities Commissions: the roughly 200 commissioners across the country who oversee around $200 billion in annual spending and ultimately determine what consumers pay. He calls them the “US Supreme Court justices of energy”.The discussion opens with questions of consumers' perceptions, and how they align with reality. The data show that in the past few years, electricity bills have been rising, on average, explaining why the issue has been rising up the political agenda.Recent Ipsos polling commissioned by PoweLines found that four in five Americans feel powerless about energy costs. The proportion who believe their state officials are serving their interests as consumers fell from 38 per cent to 29 per cent in a single year. Charles calls this "a new politics of electricity." It is a domain that until recently sat outside mainstream political attention, but now reaches governors' offices and the White House.Charles and Melissa then unpack what is actually driving the increases. Melissa walks through the top five cost drivers identified in the Lawrence Berkeley National Laboratory's analysis: fuel and wholesale supply, distribution costs, generation capex, transmission costs, and cost recovery from extreme weather events. Charles points beyond the line items to a fundamental issue: the traditional utility business model, which structurally rewards capital spending. The question about the impact of data centers is unavoidable. Charles breaks it down: until now, data centres have not been a meaningful driver of price increases across most of the country. But that does not mean they will not be in future. PJM's capacity auction, where prices have rocketed, is one early signal that the picture is starting to change.Charles offers three solutions. First, get more out of the existing grid, which is currently running at roughly 50 per cent utilisation, through technologies he describes as "ibuprofen for the grid." Second, modernise the utility business model, potentially drawing on the UK's totex approach, where utilities can earn a return on operational as well as capital spending. Third, improve grid planning, particularly how load is forecast and how integrated resource plans are built.Melissa zooms out to remind listeners what is actually at stake. Borrowing a line from Amory Lovins, she says: "I don't care about my electrons. I care about cold beer and hot showers." The question is not just about price, but about whether households can keep their homes safe and liveable year-round. You can learn more about PowerLines at PowerLines.org. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What does it take to stay steady when life, leadership, and uncertainty seem determined to pull you in every direction? In this episode of Becoming Unshakable, I sit down with Phillip W. Heath, President and CEO of Samaritan Health Care and Hospice, to explore a career built on service, compassion, and resilience. Having dedicated more than three decades to caring for vulnerable populations, Phillip shares why leadership begins with understanding others' needs and how staying connected to the people you serve can provide clarity, purpose, and perspective.   Our conversation moves beyond traditional leadership advice and into the realities of making difficult decisions, navigating ambiguity, and remaining committed to a mission as external pressures mount. Phillip reflects on moments when he questioned his path, the lessons he learned from saying yes to opportunities others might avoid, and why chasing every new idea can distract leaders from what matters most. We also discuss the balance between mission and sustainability, and why meaningful leadership requires both heart and discipline.   One theme that stayed with me throughout this conversation is Phillip's belief in the power of mentorship. He explains why no leader succeeds alone, how mentors have shaped his journey, and why borrowing steadiness from others can help us navigate uncertainty with greater confidence. Whether you're leading a team, navigating change, or simply searching for a stronger sense of direction, this episode offers practical wisdom on building resilience through relationships, staying true to your values, and continuing to grow through every stage of leadership. As always, I'd love to hear your thoughts. Who has been the mentor who helped shape your journey, and what lessons from them still guide you today?

The conversation gets deeper as David Novak joins Jeremy Lee and David Chase for a spirited discussion about sports cards as investments, generational attitudes toward risk, and whether collectors should view cardboard as part of a broader financial strategy. David shares his perspective on why some millennials are more willing to take calculated risks with their investment portfolios, sparking an engaging debate on retirement accounts, diversification, risk tolerance, and the role sports cards can play alongside traditional investments. Topics include: • Are sports cards legitimate investments?• Millennials and risk-taking behavior• Using hobby knowledge as an investment advantage• 401(k)s, retirement planning, and alternative assets• Why some collectors prefer blue-chip cards over prospecting• Vintage versus ultra-modern investing• The dangers of chasing hype• Mahomes, Ohtani, Trout, Judge, LeBron, Crosby, and long-term collectability• Bubbles within the hobby market• Why experience and time horizon matter Jeremy, David Novak, and David Chase bring different perspectives to one of the hobby's most debated topics: whether sports cards belong in an investment portfolio and, if so, how. Links & Resources • The Hobby Spectrum: https://thehobbyspectrum.com • Pops & Comps on Amazon • Fanatics Collect Affiliate Link • Share this episode with a fellow collector Sports cards is a lifestyle. Learn more about your ad choices. Visit megaphone.fm/adchoices

Pourquoi un magazine télé est-il plus que juste un magazine télé? Voici mon conseil si vous venez en France : acheter Télérama.  A partir de là, je vous décris ma semaine comme c'est fait chaque semaine par un journaliste différent du magazine.  C'est l'occasion pour moi de vous raconter plein de moments d'une semaine riche en événements divers (culturels, médicaux, shopping et canicule).  La lettre qui accompagne cet épisode contient des photos, des repères culturels et linguistiques.  SPECIAL ÉTÉ : nous appréhendons le français d'une manière plus ludique, mais néanmoins sérieuse, avec une activité à l'oral à partir de ce texte.   www.onethinginafrenchday.com   spoken french, learn french, french daily life, life in paris, paris stories, authentic french, french verb tenses, weekly routine french, parisian week

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3048: Robert Farrington breaks down the student loan process from application to repayment, helping students understand how to borrow responsibly and avoid unnecessary debt. By explaining the true costs of college, the risks tied to borrowing, and the repayment options available, he offers practical guidance for making smarter financial decisions. Read along with the original article(s) here: https://thecollegeinvestor.com/21917/how-student-loans-work/ Quotes to ponder: "Taking more loan money than what is needed will cost more in interest and increase your monthly loan payments." "Our key rule of thumb for how much you should borrow is simply to NEVER borrow more than you expect to earn in your first year after graduation." "If you don't repay a student loan, the government can garnish your wages, take your tax returns, and more." Episode references: Student Loan Planner: https://www.studentloanplanner.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

– Does borrowing on shares close the gap to leveraged property? – Should we take away pollies’ perks if they break promises? – Does the tax system disincentivise skilled immigration? See omnystudio.com/listener for privacy information.

Bubba Dub is back with another hilarious, unfiltered episode covering everything from sports and politics to relationships, fatherhood, and everyday life. This episode dives into the backlash surrounding Terence Crawford taking a photo with Donald Trump, why people need to stop judging others based on politics, and Bubba's thoughts on how celebrities and corporations use influence in today's culture.Plus:

In this episode of the Org Design Podcast, Amy Springer talks with Jacob Chase, founder of The Infin, about one of the hardest questions in org design: how do you fairly value what a person actually contributes? Drawing on his background as an investment banker and hedge fund investor — and his experience scaling a 150-person, $30M real estate business — Jacob shares how a single underpaid 'rock star' employee sparked his search for a better way to measure impact. The answer came from an unexpected place: the stock market. Jacob explains how he built an internal 'market' for attributing credit, where every team member's peer feedback aggregates into a live, dynamic picture of contribution. The result is a more credible, less political, and more transparent approach to performance — one that decentralizes accountability, surfaces hidden leadership (and hidden problems), and ultimately connects each person's contribution to fair compensation. 00:00 Welcome & introducing Jacob Chase (The Infin) 00:19 From Wall Street to org design 01:34 Investor vs. operator: why people drive returns 04:10 Transferable skills from Wall Street: thoroughness & rigor 05:29 The underpaid 'rock star' and the problem of measuring contribution 07:07 How a broader impact became visible 08:37 Why the classic HR review model falls short 09:30 Borrowing from stock markets: a market for value 11:26 Decentralizing accountability & removing politics 12:47 Surfacing hidden leadership and underperformance 15:22 Smoothing performance anxiety in an uncertain world 19:42 Connecting contribution to the 'pie' and compensation 21:54 Who brings this to their org (CEO-led) 22:43 Final thoughts: get people the right inputs The Org Design Podcast https://www.functionly.com/org-design-podcasthttps://www.linkedin.com/company/orgdesignpodcast/ Functionly https://www.functionly.com /https://www.linkedin.com/company/functionly/

Money talks (and so should your P&L). This week, the guys are getting fiscal. Conrad and Gyi bring in two heavy hitters. First up, Leah Miller, fractional CFO and Founder of Firmly Profits, sits down with Conrad and Gyi at the PILMMA Super Summit and breaks down what your finances actually say about your marketing. The big (and predictable) surprise? Most firms are undercapitalized and under-measured. She and the guys dig into the real benchmarks: what healthy marketing spend looks like (you're probably low), what KPIs a CFO actually cares about, and why doubling your intake means nothing if your average case value is tanking. Consider this Chapter One. Then, Josh Porte from Holland & Knight demystifies the MSO model in plain English in a conversation recorded at Vista Consulting Team's A Seat at the Table event. If you've been nodding along to private equity conversations while secretly Googling "what is Rule 5.4," it's time to get schooled. Josh walks through how money flows between a law firm and an MSO, where the ethical guardrails actually live, what rollover equity means for sellers, and why the management services agreement you sign today might be with you for the next 20 years. Minimum. Advanced material, but we believe in you. Whether you're running a tight PI shop or eyeing an acquisition, this episode is a masterclass in treating your law firm like the business it actually is. No yellow book required.-Want to hear more from our guests? They're on LinkedIn (and they're real people, not AI!): Connect with Leah Miller; Connect with Josh Porte. -We learned so much at A Seat at theTable that we created a page on our website dedicated to it. Listen to all the interviews, and enjoy the enlightening conversations as much as we did: https://lunchhourlegalmarketing.com/private-equity-law-firms-the-mso-guide/ -We are now less than two months away from The Lunch Hour Legal Marketing Summit! Check out our speakers, agenda, and register on our website.-A roaring ‘thank you' to our incomparable sponsors: Juvo Leads, Lawmatics, CallRail, and ALPS Legal Malpractice and Law Firm Insurance! Chapters 00:00 Intro 03:23 Leah Miller: How Much Should You Spend on Marketing? 06:27 KPIs & Metrics CFOs Actually Care About 08:19 Financial Benchmarks for Law Firms 11:13 Brand vs. Non-Brand Spend & Regional Variability 12:08 Borrowing to Grow: Acquisition Financing 14:58 AI, Offshore Staffing & the Impact on Labor Costs 15:55 Modeling Finances Around Big Outlier Cases 17:06 What to Look for in a Fractional CFO 19:00 Josh Porte: Rule 5.4 & the MSO Structure Explained 21:12 Josh's Role at Holland & Knight 21:58 What Makes a Great MSO Transaction 23:24 The Gray Areas: Intake, Case Acceptance & Rule 5.3 25:50 How Money Flows: Fixed Fees vs. Cost Plus (No Revenue Splits) 27:56 Where AI Software Lives in the MSO Structure 29:44  Growth Through Acquisition: The Buy-and-Build Playbook 32:29 Operating Agreements, Non-Competes & Rollover Equity 35:58 Management Services Agreements: Terms & Lock-In 37:05 EBITDA Multiples, Multiple Arbitrage & Equity Value Creation 40:17 PE Fund Timelines & Exit Horizons

What if the version of success you're pursuing isn't actually yours? In Episode 264 of Just Start: Get Visible, Jacqueline M. Baker explores how easy it is to adopt definitions of success that are shaped by family expectations, workplace culture, social media, and external validation rather than our own values and aspirations. Inspired by themes from Episode 262 with Kaylan Martin, this episode challenges listeners to examine whether the goals they are pursuing truly align with the life they want to build. While traditional markers of success such as promotions, recognition, titles, and accomplishments can be meaningful, they can also become distractions when they are pursued without intention. Jacqueline shares practical insights for identifying when you're chasing someone else's vision of success, recognizing the traps of external validation, and creating a more authentic definition of success that reflects your current season of life. Listeners will learn: Common signs you're pursuing someone else's definition of success How external validation can influence decision-making Why success should evolve as your life and priorities change The importance of defining success for your current season How to build a joy-centered decision-making framework Reflection questions to help clarify what success means to you Whether you're navigating a career transition, leadership journey, business growth, or personal reinvention, this episode offers an opportunity to pause, reflect, and reconnect with what truly matters. Memorable Takeaway "Success feels different when you choose it for yourself." Reflection Question If nobody were watching, would you still want the goals you're currently pursuing?

"I'm convinced that these experiences that we have, where we feel so alone, that there's a huge portion of the rest of the world who's feeling the exact same way at any given time. And it's so important to see those things reflected so that we just don't feel like there's something wrong with us." — Anne H. Putnam ABOUT THIS EPISODE Anne H. Putnam is a writer, editor, and teacher with an unending interest in the stories that shape our humanity. Her first memoir, Navel Gazing: One Woman's Quest for a Size Normal, was published in the UK and Commonwealth after she wrote it as part of a master's degree in creative nonfiction — never imagining it would actually be published. Her latest, Make Do and Mend: A Breakup Memoir, explores love, loss, and self-discovery with raw honesty and humor. It's the story of the end of her seven-year relationship and first engagement — a breakup that propelled her into therapy, across an ocean, and through a decade of emotional excavation before the book finally found its shape. After years of agents who loved it but couldn't figure out how to sell it, Anne chose to self-publish — and put serious investment into making the book indistinguishable from a traditionally published title. Mike and Anne talk about backing into a publishing deal at 28, writing 200,000 words before finding the right 80,000, the courage (or compulsion) behind vulnerability on the page, pushing back on editorial feedback, the stigma of self-publishing, and why the compost pile is a writer's best friend. KEY TAKEAWAYS 1. Nothing is wasted — it all goes on the compost pile. Every word you write that doesn't make it into the final book becomes fertile ground for what comes next. Anne wrote 200,000 words before landing on the 80,000 that became Make Do and Mend. 2. Vulnerability isn't courage — it's compulsion. Anne doesn't experience sharing her story as brave. She has an unquenchable thirst for being understood, and memoir is the form that lets her explain herself fully. The vulnerability is the point, not the obstacle. 3. Structure helps, but free-falling teaches you something too. Her first book was written in a master's program with deadlines, workshops, and authority figures. The second was just her, alone, for a decade. Both approaches produced books — but the unstructured path required far more trust in the process. 4. You can push back on your editor. Anne's editor wanted her to be meaner about her ex. She resisted, choosing instead to present situations and let readers draw their own conclusions. Your name is on the cover — make choices you can stand by. 5. Traditional publishing is driven by capitalism, not quality. Agents and editors loved Anne's work but didn't know how to package or market it. Once your writing clears the "good enough" bar, the rest is about what publishers feel is safe to sell — something outside your control. 6. Self-publishing is a legitimate path. Anne invested in professional editing, a book coach, and a quality cover to ensure no reader would know the difference. The goal isn't sales volume — it's connection with readers who need the book. 7. It counts. Borrowing from her swimming routine: if you got in the swimsuit, it counts. If you got to the parking lot, it counts. Building the routine — showing up — matters more than any single session's output, especially for writers with ADHD. GET THE BOOK Make Do and Mend: A Breakup Memoir by Anne H. Putnam Buy on Amazon: https://a.co/d/0i6jjwZu Buy on Bookshop.org: https://bookshop.org/p/books/make-do-and-mend-a-breakup-memoir-anne-h-putnam/357d18d27975bf58 CONNECT WITH ANNE Website: https://www.annehputnam.com Instagram: https://www.instagram.com/ahputnam/ Facebook: https://www.facebook.com/annehputnam Substack: https://annehputnam.substack.com/ CONNECT WITH YOUR HOST Mike Carlon | Uncorking a Story Website: https://uncorkingastory.com/ YouTube: https://www.youtube.com/@uncorkingastory Instagram: https://www.instagram.com/uncorkingastory/ Facebook: https://www.facebook.com/uncorkingastory TikTok: https://www.tiktok.com/@uncorkingastory Twitter/X: https://twitter.com/uncorkingastory LinkedIn: https://www.linkedin.com/company/uncorking-a-story/ SUBSCRIBE & LEAVE A REVIEW — It helps more readers and writers find the show! Apple Podcasts: https://podcasts.apple.com/us/podcast/uncorking-a-story/id563636205 Spotify: https://open.spotify.com/show/5HZiAEtFlhAzk60Z4eAkhY RSS Feed: https://feeds.megaphone.fm/uncorkingastory Uncorking a Story is produced by Mike Carlon. New episodes drop every Tuesday. YOUTUBE HASHTAGS #MakeDoAndMend #AnneHPutnam #BreakupMemoir #SelfPublishing #MemoirWriting #WritingProcess #Vulnerability #CreativeNonfiction #NavelGazing #BodyImage #IndieAuthor #WritingCommunity #AuthorInterview #BookPodcast #UncorkingAStory #WriterLife #SelfPublishedAuthor #Heartbreak #Healing #NonfictionBooks #BookRecommendations #WritingAdvice #IndiePublishing #WomenWriters Learn more about your ad choices. Visit megaphone.fm/adchoices

In This Episode: In this deeply personal installment of the Achieve Results NOW! Podcast hosts Mark Cardone and Theron Feidt lift the curtain on a cornerstone principle of high performance: how true achievers cultivate unshakeable drive. Inspired by a classic "Weekly Wisdom" lesson from the dojo that hasn't been shared in fifteen years, this episode tackles a raw truth that many leaders face but rarely admit—even seasoned black belts don't wake up feeling driven every day. Success isn't a passive state of drifting; it is an active system of intent, discipline, and intentional conditioning. Drawing from their lifelong partnership in business and martial arts, Mark and Theron lay out a powerful, practical framework to help you stop waiting for motivation, audit your habits, and build an unshakeable roadmap for constant improvement. Key Frameworks & Action Steps Action Step 1: Define What Excellence Looks Like for You When momentum stalls, it is rarely a lack of baseline capability—it is a lack of a clear, challenging target. Achievers never allow themselves to drift into progress by accident; they design it. Excellence Over Perfection: Reject perfectionism completely, as it is an unattainable metric that breeds procrastination. Instead, define what a standard of excellence looks like for your specific baseline today. Set Goals That Demand Growth: True drive is generated by the thrill of the chase. Set specific targets that are intentionally scary enough to stretch your mental and physical boundaries. Establish External Leverage: Do not keep your targets trapped in your head. Write them down clearly and make concrete, public promises to people you respect. Forcing social pressure onto your goals converts a passive "should" into an unshakeable, daily "must." Uncover the "Why": Identify what your achievement actually represents. Look past surface-level awards or titles and anchor your motivation to the core character development you are striving to build. Action Step 2: Intentionally Train the Three Pillars Drive is a muscle that must be methodically conditioned through structured daily action. The hosts break down three mission-critical pillars to anchor your performance: Sharpen Your Skills (The Top Three Rule): Be fiercely deliberate about your professional and personal development. Identify the top three specific skills you need to improve to advance. Avoid a list of ten items, which triggers overwhelm, or a single item, which invites delay. Three is the magic high-performance number. Commit to refining those top three choices through repetition and targeted effort every single day. Strengthen Your Will (The Mindset Muscle): Discipline is a muscle trained on your absolute worst days. It is effortless to execute your habits when you wake up feeling highly motivated, but true high performers exercise their will on the days they are sore, tired, or uninspired. Stand guard at the door of your mind and violently shield your will from external negativity or limiting beliefs. Elevate Your Conditioning (The Energy Foundation): Biological performance dictates mental agility. When your body is fatigued and your physical conditioning drops, your emotional and mental focus immediately fracture—causing you to snap at your team or make reactive choices. The State Check: Train your mental response mechanism to treat disruptions as data rather than crises. Theron shares a raw example of his son's car breaking down at 8:00 PM on a Sunday thruway, requiring a midnight tow. By maintaining high mental conditioning, they reframed the frustration into a blessing—ensuring the vehicle was fully repaired and safe before a major summer move to North Carolina. Action Step 3: Refuse to Accept Your Current Level as Your Final Level Fulfillment belongs exclusively to those who choose to live in a state of continuous, never-ending growth. Stagnation is the silent killer of both businesses and relationships. Reject Mediocrity as a Destination: Refuse to tolerate complacency in any area of your life. Turn a critical eye to your health, your workplace, and your family daily. Continually ask yourself: "What is one single thing I can make slightly more fluent or improve today?" Act on that answer immediately. Embrace the Grind with Tenacity and Gratitude: Reframe the daily process from an obligation into a journey. Borrowing a timeless truth from actor Henry Winkler (The Fonz), anchor your timeline with a dual focus on Tenacity to keep pushing through bumpy, difficult steps, paired with deep Gratitude to actively celebrate incremental process milestones along the way. "Achievers don't drift toward success. It takes work, it takes systems, and it requires you to actively refuse to let your current baseline be your final destination. Pick one step and execute now." Links & Resources Mentioned in This Episode Download Your Free Guide: Head over to Achieve Results NOW! to claim your free copy of our action-oriented handbook, Ignite Results: 4 Easy Steps to Measurable Results in 30 Days! Connect with the Team: Join a global network of focused, high-performing achievers on Facebook at facebook.com/achieveresultsnow. Archives & Deep Dives: Missed last week's framework on boundary filters and identity-driven success? Make sure to go back through our archive and stream Episode 504 (Making Better Excuses) and Episode 505 (Building a Life You Don't Need a Vacation From) to keep your momentum surging forward! Thank you for listening, commenting, and subscribing. Now get out there and achieve results NOW! ARN Suggested Reading: Blessings In the Bullshit: A Guided Journal for Finding the BEST In Every Day – by Mark Cardone & Theron Feidt https://www.amazon.com/Blessings-Bullshit-Guided-Journal-Finding/dp/B09FP35ZXX/ref=sr_1_1?dchild=1&keywords=blessings+in+the+bullshit&qid=1632233840&sr=8-1 Full List of Recommended Books: https://www.achieveresultsnow.com/readers-are-leaders Questions? 1.   Do you have a question you want answered in a future podcast? 2.   Go to www.AchieveResultsNow.com to submit. Connect with Us: Get access to some of the great resources that we use at: www.AchieveResultsNow.com/success-store www.AchieveResultsNow.com www.facebook.com/achieveresultsnow www.twitter.com/nowachieve Thank you for listening to the Achieve Results NOW! Podcast.  The podcast that gives you immediate actions you can take to start seeing life shifting results NOW!

RBA Interest Rate Decision: Australian Property Market Update Today the Reserve Bank of Australia announces its cash rate decision. Will interest rates rise or stay on hold? We break down what this means for Australian mortgage holders, home loan repayments, and borrowing power. Get the latest Australian real estate news and property market analysis now! You can have your say by leaving a voice message ►  https://www.speakpipe.com/realestateradio ► Website: https://aussierealestatepodcast.lovable.app ► Subscribe here to never miss an episode: https://www.podbean.com/user-xyelbri7gupo ► INSTAGRAM: https://www.instagram.com/therealestatepodcast/?hl=en  ► Facebook: https://www.facebook.com/profile.php?id=100070592715418 ► Email:  myrealestatepodcast@gmail.com  The latest real estate news, trends and predictions for Brisbane, Adelaide, Canberra, Gold Coast, Sydney, Melbourne and Perth. Gold Coast Real Estate, Adelaide Property Market, Luxury Real Estate Australia, Property Investment Podcast, Real Estate Trends 2026, Median Price Growth. We include home buying tips, commercial real estate, property market analysis and real estate investment strategies. Including real estate trends, finance and real estate agents and brokers. Plus real estate law and regulations, and real estate development insights. And real estate investing for first home buyers, real estate market reports and real estate negotiation skills. We include Hobart, Darwin, Hervey Bay, the Sunshine Coast, Newcastle, Central Coast, Wollongong, Geelong, Townsville, Cairns, Ballarat, Bendigo, Launceston, Mackay, Rockhampton, Coffs Harbour. #PropertyInvestment #RealEstateInvesting #FirstTimeInvestor #PropertyManagement #RentalYields #CapitalGrowth #RealEstateFinance #InvestorAdvice #PropertyPortfolio #RealEstateStrategies  #sydneyproperty #Melbourneproperty #brisbaneproperty #perthproperty  #adelaideproperty #canberraproperty #PerthRealEstate #hobartproperty  #RealEstate  #RealEstateNews #MortgageTips #PropertyMarket #FinanceAustralia #BrisbaneInvesting   #RealEstateDevelopment #adelaide #PerthRealEstate #FirstHomeBuyer #AustralianProperty #AustralianRealEstate #PropertyMarketUpdate #MortgageAustralia #FinanceTips #HousingAffordability #RealEstateTrends #AussieProperty  #MortgageRates #HomeLoans  #PropertyMarket #MortgageTips #InterestRates  #BrisbaneProperty #QLDRealEstate #PropertyInvestment #AustralianHousingMarket #AdelaideProperty #AdelaideRealEstate #InvestInAdelaide #SouthAustraliaProperty #AustralianRealEstate #HousingTrends#MelbourneHousing #MelbourneInvestment  #MelbourneMarket  #PropertyInvestment #RealEstateTips #WealthBuilding #InvestmentStrategy #HomeBuying #AustralianProperty    

On today's Get It Off Your Chest, one listener is fed up with a neighbour who seems to have confused borrowing with keeping. Amy lent her neighbour a Joe Wicks cookbook after she had a baby, hoping it would help with some easy recipes. Weeks later, when she asked for it back, her neighbour casually claimed she had no idea where it was. To make matters worse, Amy also realised she never got her hand mixer back after lending that out too. Now she's wondering whether to march next door and demand both items back or let it slide to keep the peace. The gang debate neighbour etiquette, borrowed belongings and the awkwardness of asking for your own stuff back.

Lord Mayor Adrian Schrinner revealed how a major drive in debt reduction allowed Brisbane City Council to sneak its upcoming rate rise well below current inflation rates. Find out where the council found millions in savings without borrowing a single dollar for the first time in a decade.See omnystudio.com/listener for privacy information.

What do I do first when I find out I'm getting divorced? It is the number one question people ask the moment divorce becomes real, whether they reached the decision themselves or were just told it is coming. In one of her most-requested solo episodes, Susan Guthrie introduces the concept of Divorce Triage, a clear-headed way to assess your situation and decide who to reach out to first based on the urgency and the needs of your specific case. Borrowing from the emergency room, Susan explains that when a crisis hits, whether emotional, legal, or financial, you do not have to solve the whole thing at once. You just have to take the right first step. Drawing on more than three decades as a family law attorney and mediator, she walks through the core members of a divorce support team, the attorney, the mediator, the divorce coach, the therapist, and the certified divorce financial analyst, and uses real scenarios to show who your first call should be. From the affair discovery, to the financial betrayal, to the blindsided stay-at-home parent, to the longtime thinker who is finally ready to act, each situation calls for a different first move. Divorce is not one size fits all, and the first decision you make can shape everything that follows. This episode helps you think clearly and choose carefully, so you move forward with strength and strategy instead of panic. Episode 1 of 8 in the Divorce & Beyond Summer Essentials Series This summer, Divorce & Beyond brings back 8 the episodes listeners reach for most, the conversations with the clearest, most practical guidance for anyone thinking about, going through, or rebuilding after divorce. New Essentials air every other Monday all summer. Follow the show so you never miss one. The series starts here. What You'll Learn Why your first call may not be an attorney, and how to triage who you reach out to based on your circumstances Who belongs on your divorce support team, the attorney, mediator, divorce coach, therapist, and CDFA, and when to bring each one in How to take the right first step when betrayal, fear, or financial shock has your emotions all over the place Why too many voices create confusion, and how to avoid the trap of asking everyone for advice Susan's golden nugget: why divorce is not a DIY project, and why the first decision you make shapes everything that comes next If This Episode Helped You Follow Divorce & Beyond so you never miss an episode. Share it with someone who needs clear, reliable guidance right now. And if you have a moment, a five-star review makes a real difference in helping the show reach the people who need it most. Follow Divorce & Beyond Website: divorceandbeyondpod.com Instagram: instagram.com/divorceandbeyondpod About the Host: Susan Guthrie, Esq. Susan Guthrie is one of the nation's leading family law and mediation attorneys, with more than 35 years of experience helping people navigate divorce with clarity and strategy. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker and trainer. Susan recently appeared as the featured expert on The Oprah Podcast and has been cited in The Wall Street Journal, Forbes, Town & Country, The Washington Post, NewsNation, and NBC Chicago Today, among others. As the creator and host of Divorce & Beyond, ranked in the top 1% of all podcasts worldwide with more than 1.3 million downloads and an Apple Top 100 Self-Help designation, Susan brings together leading legal and mental health experts to help listeners move through divorce and into what comes next. Learn more at divorceandbeyondpod.com/about.   Disclaimer: The commentary and opinions shared on this podcast are for informational and entertainment purposes only and do not constitute legal advice. Consult a licensed attorney in your state regarding your specific situation.

Known to millions as Mrs. Moneypenny from her 16 year Financial Times column, Heather has been an investment banker, executive search entrepreneur, Edinburgh Fringe performer, off Broadway actress, PhD holder, chartered accountant and now Provost of Heriot-Watt University Dubai, overseeing 5,500 students and 600 staff. She qualified as a chartered accountant three weeks before her 60th birthday. She borrowed £1.8 million personally to buy a business, then gifted it to her staff. She co-founded the 30% Club when women held just 12% of FTSE board seats. It is now 45%.  This conversation covers all of it. Why she rejects guilt and regret as wasted emotions. What structural barriers actually stop women from getting ahead and how to dismantle them. Why Dubai's greatest advantage is not the skyline but the connectivity and free movement of capital and labour that Europe has quietly forgotten. And what she really thinks about the value of a university degree.  Heather also shares the story behind the Taylor Bennett Foundation, built to help Black and minority ethnic graduates break into professional services, funded from her own dividends, and the moment she knew it was working.    Timestamps:  0:00 Four failed engagements, a baby to feel anchored, and the unvarnished truth about having children  5:30 The queen of reinvention: why preparation meets opportunity and how Heather built her career in layers  7:11 Her one regret: not qualifying as an accountant sooner and why she finally did it at 59  11:19 Dubai versus Singapore versus Hong Kong: what makes this city different from every other global hub  15:46 Living through the missile attacks, what inflation and food security really look like from the inside, and who has barely noticed  21:18 Structural barriers, the 30% Club, and why three women in a room of ten changes everything  27:01 Borrowing £1.8 million, building Taylor Bennett, and then giving it all away  33:49 Mrs. Moneypenny: 16 years, 800 columns, and the barometer story that almost ended her career  39:25 The Taylor Bennett Foundation and why she measures success by impact not money  43:44 Selling out Edinburgh Fringe and performing off Broadway: the chapter nobody expected  52:22 Heriot-Watt Dubai: why they only teach subjects that lead to jobs and what universities are actually for  59:06 Entrepreneurship, incubators and why she finds young people today far more ambitious than her generation  1:01:24 Why she hates the word networking and what building social capital actually means  1:04:09 Quickfire: the best way into investment banking, what every future leader needs, and what Dubai understands that Europe has forgotten    Follow Spencer Lodge on Social Media  https://www.instagram.com/madeindubaipodcast/?hl=en  https://www.facebook.com/profile.php?id=61586194260076  https://www.instagram.com/spencer.lodge/?hl=en  https://www.tiktok.com/@spencer.lodge  https://www.linkedin.com/in/spencerlodge/  https://www.youtube.com/c/SpencerLodgeTV  https://www.facebook.com/spencerlodgeofficial/ 

Kevin Warsh, now Federal Reserve Chair, held his first public briefing on the U.S. economy, signaling a new phase for rate policy, balance sheet management, and communication. His background includes service as a Fed governor from 2006 to 2011, experience at Morgan Stanley, and a fellowship at the Hoover Institution. Founders and lenders will watch how guidance affects the federal funds rate, the prime rate, and SOFR linked borrowing costs. SBA 7(a) loans, which totaled about $27.5 billion in fiscal year 2023, often have variable rates capped at spreads over prime, making Fed policy a key input to payments. Longer term yields tied to the ten year Treasury will influence leases, equipment financing, and real estate decisions. The Fed meets eight times per year, and Warsh's approach to the two percent inflation target and forward guidance will shape financial conditions into the second half of 2026.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

A lending decision that takes five minutes can shape your financial future for the next 30 years. In Part 2 of Bushy Martin’s conversation with KnowHow Property Finance Strategist Sharyn Burgess, the focus shifts from financial reality to financial capability — examining the practical borrowing decisions that ultimately determine how much wealth you can build. Most investors spend enormous amounts of time researching suburbs, properties and interest rates, yet many never fully understand the borrowing structures, lending strategies and support systems that sit behind successful property portfolios. Sharyn reveals why emotional attachment is one of the most costly mistakes borrowers make, how borrowing capacity can vary dramatically between lenders, why the cheapest rate isn’t always the best outcome, and why property investing is rarely a solo pursuit. The conversation also highlights an often-overlooked reality: a loan is not just a financial product. The right lending strategy can expand your purchasing power, improve flexibility and create opportunities that may otherwise never exist. As Bushy and Sharyn continue navigating the EXAMINE stage of the Property WEALTH Clock, this episode provides a practical roadmap for turning financial awareness into informed action. In this episode, you'll learn: • Why emotional attachment to a property, suburb or outcome can lead investors into poor financial decisions • The critical difference between choosing a lender and choosing a lending strategy • Why borrowing capacity can vary significantly between lenders for the exact same borrower • How greater borrowing reach can create vastly different long-term wealth outcomes • The role a quality broker plays beyond simply securing a loan • Why property investing works best when supported by a trusted team of specialists • The hidden opportunities that can emerge when lending policies change over time • Why a previous lending rejection should never automatically be treated as a permanent no • How ongoing reviews can uncover new opportunities as your circumstances evolve • The practical steps investors can take to strengthen their borrowing position before their next purchase Why this matters Many investors believe success comes down to finding the right property. But before you can buy the right property, you need the right borrowing structure, the right lending strategy and the right team around you. As Sharyn explains, two investors with identical incomes and financial profiles can end up with very different outcomes simply because one receives better lending advice than the other. The result is that borrowing decisions don’t just determine what you can buy today — they often influence how much wealth you can create tomorrow. If you’re serious about building long-term financial freedom through property, understanding your borrowing power may be just as important as understanding the property market itself. Listen now and discover why the smartest property investors treat lending as a strategic wealth-building tool, not simply a transaction. Bushy's new ebook: How Should I Invest In Property Now? Bushy's put together a property investor's field guide to help you navigate Australia's new property tax changes. It comes out this week, but you can get an advanced copy by emailing hello@knowhowproperty.com.au with the subject 'FIELD GUIDE'. Take the next step with Bushy Personal Solutions Session Get clarity and personalised guidance: Book now Property W.E.A.L.T.H Program - live now! Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Get property investment and wealth resources, and book a Personal Solution Session with Bushy. All the links and info are here: linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com. This content provides general information only and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.See omnystudio.com/listener for privacy information.

The Break Room (THURSDAY 6/11/26) 7am Hour 1) If you're here to argue that this is just a money grab, there is some evidence that proves otherwise 2) Borrowing? Or Stealing? 3) A million dollars well spent

Seamus Coffey, chair of the Irish Fiscal Advisory Council discusses their latest report which warns that spending is growing faster than the sustainable growth rate of the economy.

Debt is not automatically dangerous. Used correctly, it can become leverage. In this episode of The Level Up Podcast, Paul Alex breaks down the difference between bad debt that traps you and strategic debt that helps you scale faster. Let's be real… Borrowing money to buy liabilities is dangerous. But borrowing money to acquire assets… Fund growth… Deploy infrastructure… Or generate recurring revenue… That can become a powerful business weapon. In this episode, you'll learn: Why consumer debt and business leverage are not the same thing How strategic capital can accelerate growth Why waiting to scale only with cash can slow your expansion How to use borrowed money responsibly to create returns The truth is simple: Debt is not the enemy. Bad math is. If you borrow money with no plan… No return… No system… And no discipline… You are building a trap. But if you understand the numbers… Deploy capital into assets… And generate returns that outperform the cost of borrowing… You are using leverage like a real operator. Most people fear debt because they do not understand it. High-level entrepreneurs learn how to command capital. They use it to buy speed. They use it to expand faster. They use it to build assets that pay them back. Stop being afraid of money. Learn the math. Use leverage wisely. And keep leveling up. Your Network is your NETWORTH! Make sure to add me on all SOCIAL MEDIA PLATFORMS: Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024 Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you: www.CashSwipe.com FREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Maiysha Clairborne — integrative physician & trauma-informed communication expert— joins me for a deeply human conversation about healing the stories we inherited, rewriting the ones we're living, and doing that work in community instead of isolation. We talk about what it really means to be a healer at the core in a world obsessed with independence and performance — and how Maiysha's journey from conventional medicine to remapping minds and cultures has required enormous faith, nervous system repair, and brave, non-linear choices. We also get into Human Design, money stories, motherhood, and why healing belongs in boardrooms just as much as it does in therapy rooms. Underneath it all is a conviction we both share: your past is always in the room with you — but that doesn't mean it's in control. In this episode, we explore: Why so many people avoid inner work — and how to approach healing in doable, compassionate, bite-sized ways The difference between self-reflection and being truly accompanied in the work How to discern which inherited patterns to keep, which to compost, and why even the "weeds" carry medicine "Borrowing belief" — letting community hold faith for you when you can't access it yourself Why healing belongs in the workplace — and what trauma-informed, trust-centered culture actually looks like This one is for anyone who feels like they "should have it together by now," who's tired of healing alone, or who suspects the patterns they inherited aren't the ones they're meant to pass on. Connect with Maiysha: Her work & offerings: The Mind Remapping Company  Her podcast: Beliefs, Behaviors, Communication, and the Brain Her books: The Wellness Blueprint and Conscious Anti-Racism Connect with Meghan: meghan-omalley.com  Get the book, Unstuck Yourself: Thrive Beyond Burnout and Discover Your True Purpose, available wherever books are sold.

When borrowing a car, should you refill the gas you used?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What really drives lending cycles, and why do they always seem to end the same way? Lance Roberts and RealFin Capital founder, David Zugheri, break down how credit is created, why risk builds beneath the surface, and what happens when underwriting standards begin to loosen. From the origins of the RTC to today's lending environment, we explore the structural forces that shape booms, busts, and the transfer of wealth across the economy. We also dig into the evolution of housing, the growing risks in multi-family real estate, and the unintended consequences of regulation on credit availability. Through the RealFin story and real-world experience in esoteric lending, we highlight what separates success from failure in volatile cycles, how liquidity disappears when it's needed most, and why being battle-tested matters. If you want to understand why there's rarely a "soft landing" in lending—and what that means for investors and business owners—this episode connects the dots. 0:00 - INTRO 2:11 - Building a Business During Business Cycles 5:35 - How We Got the RTC 7:16 - Risk is like Stretching 9:22 - The Beginning of the End 12:15 - The Two-trick Pony: Lower Rates or Loosen Underwriting 13:39 - There's no such thing as a soft landing in lending 14:06 - We loan money into existence 15:13 - Lending, Borrowing, & Redistribution of Wealth 19:54 - Capitalism is Not Broken 21:31 - Dodd Frank Killed the American Spirit 24:13 - The Different Flavors of Lending (Ass National Bank) 26:08 - It has Always Been Expensive to Buy a House 29:00 - When Asset Prices Get Out of Control 30:52 - The Evolution of the Housing Market, Problems in Multi-family Real Estate 32:09 - The RealFin Story - Esoteric Lending 34:33 - Regulation-induced Lending Restrictions 36:51 - The Difference Between Success & Failure in a Business 39:56 - When You Get Yourself in Trouble... 40:58 - The RealFin REIT - We eat our own dog food 44:43 - Being Battle-tested 46:01 - The Liquidity Issue 50:17 - Getting in Touch w RealFin 52:48 - The Most Powerful Force in the World 57:54 - Mistakes We've Made Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's video of this show here: https://youtube.com/live/tf2oAMpTArA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LendingCycle #RealEstateRisk #CreditMarkets #HousingMarket #FinancialSystem

While most investors have been rattled by the tax overhaul, the biggest risk right now isn't the budget itself, but how lenders are reacting to it, with pre-approvals increasingly unreliable and buyers at risk of being caught mid-deal. On The Smart Property Investment Show, Phil Tarrant speaks with Eva Loisance, principal at Finni Mortgages, about the post-budget lending shake-up and what it means for investors trying to secure finance in an increasingly unpredictable environment. Loisance explains that pre-approvals are no longer a safe assumption, with some lenders already stripping out negative gearing from servicing models while others hold the line pending clearer legislation. She warns the real impact is already hitting borrowing power, with modelling showing some dual-income households could lose close to 30 per cent in lending capacity if servicing rules fully exclude negative gearing benefits. As uncertainty flows through the system, lenders are tightening conditions, reassessing risk, and quietly reshaping what investors can actually borrow – well before any law is finalised. The episode also explores how investors may pivot, including a shift toward new-build stock that retains tax treatment advantages, despite higher costs limiting feasibility for many. Loisance flags potential flow-on effects into the rental market, with investors forced to chase yield more aggressively as tax efficiency is stripped back and holding costs rise. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

Most of biotech runs on a tiny handful of "model" organisms — E. coli, baker's yeast — while millions of wild species sit unstudied in what scientists call microbial dark matter. In this episode, Karl and Erum sit down with Henry Lee, co-founder of Cultivarium, to explore why the future of synthetic biology depends on learning to grow, study, and engineer the organisms we've ignored. Henry breaks down the real difference between model and non-model organisms, why simply culturing a new microbe can take years, and how Cultivarium is standardizing growth recipes and building an open digital platform so any researcher can work with strains that were once impossible to handle. Along the way: a fistulated cow, a spectacular failure that ultimately cracked the genetics of cement-making bacteria, extreme microbes that could free fermentation from fresh water, and Cultivarium's evolution from a Focused Research Organization into a "Frontier Research Contractor." The conversation closes on the state of American science — funding, public trust, and AI — plus the America's Living Library Act and a quick-fire round on archaea, overused buzzwords, and whether we're alone in the universe. Before the interview, Karl and Erum spill some biotech tea on "Biotech Barbie" Cathy Tie and unpack what the video game Stray gets right about engineered microbes escaping into the wild.Grow Everything brings the bioeconomy to life. Hosts Karl Schmieder and Erum Azeez Khan share stories and interview the leaders and influencers changing the world by growing everything. Biology is the oldest technology. And it can be engineered. What are we growing?Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.messaginglab.com/groweverything⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Chapters:(00:00:00) — Summer vibes & a little biotech gossip: meet "Biotech Barbie"(00:07:42) — What a video game about a lost cat teaches us about runaway microbes(00:12:38) — How Henry went from building circuits to falling for biology(00:16:25) — So what actually is a "non-model" organism?(00:22:30) — Yes, we really talk about a cow with a window in its stomach(00:25:40) — Step inside Cultivarium: incubators, recipes & happy accidents(00:33:35) — Borrowing nature's best ideas: fungi, archaea & glowing jellyfish(00:39:15) — The failure that taught us everything (a cement-making bacteria story)(00:43:45) — Could the ocean fuel the future of fermentation?(00:48:45) — Real talk: science funding, public trust & the promise of AI(00:53:25) — Reinventing how big science gets funded — and a library of life(01:00:10) — Dream organisms, pet-peeve buzzwords & "are we alone?"(01:05:55) — Karl & Erum unpack their favorite momentsLinks and Resources:CultivariumBiosphere Project27. Charting the Unexplored Microverse for Biological Gold with CULTIVARIUM's Nili Ostrov147. Shhh…They're Talking: Holoclara's Dr. Andrea Choe Tunes Into Worm Signals for Health98. Gotta Get Them All: bitBiome's Quest to Decode All Microbes with Yuji Suzuki183. The American Biotech Blueprint: Senator Todd Young on Biodiversity as National SecurityKathy Tie Biotech Barbie Gene EditingStray - A Synthetic Biology Video GameBioInnovations Events - For 25% off use code: Grow EverythingTopics Covered:non-model organisms, microbial dark matter, model organisms, Cultivarium, industrial biotechnology, microbial engineering, DNA repair, CRISPR, fermentation, frontier research contractorHave a question or comment? Message us here:Text or Call (804) 505-5553⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠Grow Everything⁠⁠⁠⁠⁠⁠⁠⁠Music by: Nihilore Production by: Amplafy Media

Today we revisit a topic we last discussed in a 2020 podcast with Laura Mosqueda: elder mistreatment.  Our guests today are geriatricians Carrie Rubenstein and Julia Hiner, and Tony Rosen, an emergency medicine doctor. They talk about where we are now, in 2026, with elder mistreatment, including: Terminology: elder mistreatment vs. abuse and neglect The need to incorporate prevention and solutions into how we talk about mistreatment This is not rocket science. Studying elder mistreatment is much harder than rocket science. Highlighting the reasons they focus on elder mistreatment, including inspiring words for why this led them to geriatrics and aging research Should we screen for elder mistreatment? The US Preventive Services Task Force doesn't see enough evidence to recommend screening. Our guests may differ… Which clinicians should assess for elder mistreatment? Hospitalists? ED docs? Primary care providers? Tony published a study in JAGS showing older adults who experienced elder mistreatment were as likely to visit primary care as those who did not, also great accompanying editorial by Mara Rosenberg and Lena Makaroun gets a shout out. Early evidence that supporting caregivers can reduce elder mistreatment (in one small study of the COACH intervention, rates of mistreatment were reduced to zero) Borrowing from pediatrics: many/most hospitals and emergency departments can call a Child Protective Services Team. Tony is piloting a parallel team for older adults - the Vulnerable Elders Protection Team (see JAGS paper).   We talk about key members of interdisciplinary teams across sites, systems, and counties. Social workers get a big shout out. A one year fellowship in capacity assessment and elder mistreatment at UT Houston, directed by Julia. An Elder Abuse Curriculum for Medical Residents and Geriatric Medicine Fellows https://pmc.ncbi.nlm.nih.gov/articles/PMC10842324/ Kudos to my son Renn for recording 5 overlapping cello parts on Eleanor Rigby! -Alex Smith  

Chief Fixed Income Strategist Vishy Tirupattur takes a look at how credit markets are adapting to fund the new phase of AI capex.Read more insights from Morgan Stanley.----- Transcript ----- Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. Today – The critical question behind the AI-driven capex cycle that is front and center for markets year to date. How is credit market financing this ecosystem evolving? It's Wednesday June 3rd at 2 pm in New York. When we first discussed the role of credit markets in financing the AI and data center build-out around the middle of last year, the direction of travel was clear. Realizing the transformative potential of AI requires unprecedented levels of capex. What has really surprised us since is the scale and speed of that spending, both of which have exceeded our expectations by a wide margin. The upward revision to capex expectations has been dramatic. A year ago, we projected the combined capex of the five large hyperscalers at roughly $450 billion in both 2026 and 2027. After the first quarter earnings reports, Morgan Stanley's internet equity analysts, led by Brian Nowak, now expect hyperscaler capex of roughly $800 billion in 2026 and $1.2 trillion in 2027. One data point really captures the surge in the underlying demand for compute. According to OpenRouter, the global weekly token usage, which is a key proxy for compute, has risen by roughly 350 percent since early January, increasing from about 6 trillion tokens to 28 trillion tokens. Credit channels for financing this capex have not only been broader and deeper than we anticipated, spanning public and private markets, but have seen remarkable in the structural innovation that is blurring the lines between public and private markets. Over $200bn of public AI-related issuance across the different credit channels has happened just in the first five months of this year. We had previously assumed unsecured issuance would be limited by the scale of the largest non-financial issuers, confined to investment grade credit only, and largely USD denominated. Instead, some hyperscaler issuance has now far exceeded even the largest telecom names; funding has expanded well beyond USD into EUR, GBP, CHF, JPY and CAD markets. The issuer base has also broadened to include data center REITs and neoclouds, particularly in the high-yield market. The scope of financing has also widened beyond the data center shells themselves. GPU financing, which we assumed would be funded entirely through equity capital, has begun to migrate into credit markets. Funding is now coming through broadly syndicated loans and asset based financing, with ABS structures not far behind. Structural innovation illustrates how rapidly the credit ecosystem is adapting to the complexities of demands of AI-driven capex. Financings that combine elements of project finance, tranching, and residual value guarantees, along with high-yield issuance backed by hyperscaler guaranteed leases – these are innovations that we have never seen before. These structures have expanded the investor base, reduced the funding frictions, and further blurred traditional boundaries – between both corporate and project finance, and public and private credit markets. At the same time, physical, operational, and political constraints are beginning to shape the pace and the composition of the AI infrastructure build-out – and, by extension, the demand for financing. Grid access, power generation equipment, skilled labor, and permitting delays are emerging as significant constraints. These are compounded by political and regulatory frictions at the local, national, and international level. As power availability becomes a gating factor, the AI build-out is likely to pull energy infrastructure financing more tightly into the orbit of AI infrastructure financing. The clear takeaway is this. The capex requirements underpinning AI infrastructure are expanding exponentially, and with them the role of credit markets in financing this build-out. Along the way, there will be winners and losers, periods of adjustment, and a range of physical, financial, and political constraints that shape outcomes on the margin. But the broader trajectory is certain. The scale, duration, and strategic importance of AI infrastructure investment mean that financing of this will remain a defining theme for credit markets and credit investors for years to come. Thanks for listening. If you enjoy the podcast, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Treasury yields are edging higher as U.S.-Iran military exchanges rattle markets and inflation expectations climb, creating a challenging environment for fixed income investors. We decode what's driving yield movement right now and whether bond investors should be repositioning for a higher-for-longer world.Today's Stocks & Topics: Tenet Healthcare Corporation (THC), Market Wrap, Phibro Animal Health Corporation (PAHC), Mueller Industries, Inc. (MLI), Is the 10-Year Treasury Yield About to Break Out? What Rising Rates Mean for Bonds and Borrowing, Janus Henderson AAA CLO ETF (JAAA), Barrett Business Services, Inc. (BBSI), The IPO Market, Dividend Reinvestment, Vanguard Mid-Cap Index Fund ETF Shares (VO). Our Next Wealth Webinar: “Beyond the Yield: How to Invest for Your Income Needs” June 30th, 2026 - 12:00 pmTo sign up: https://us06web.zoom.us/webinar/register/5717793889555/WN_XuoDgMVwSv6wZXXurrZTLgOur Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Chilipad and use my code sleep.me/INVEST for a great deal: https://sleep.me* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Progressive: https://www.progressive.com* Check out Quince and use my code quince.com/invest for a great deal: https://www.quince.com* Check out Scribe and use my code scribe.how/invest for a great deal: https://scribe.com* Check out TaskRabbit and use my code INVEST for a great deal: https://taskrabbit.com* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Rising interest rates and tightening servicing requirements have left many borrowers feeling that traditional home loans are out of reach. As mainstream banks tighten their policies, a new era of specialist lending is moving into the mainstream through non-bank lenders, such as Brighten. Jason Azzopardi, CEO of non-bank lender Brighten, joins In Focus to discuss how brokers can rescue borrowers left stranded by traditional bank policies. With more Australians managing multiple income streams, trust structures, and side businesses, the traditional one-size-fits-all approach to lending is breaking down. Joining host Annie Kane, Azzopardi highlights how Brighten's broad product suite - encompassing full-doc, alt-doc, non-resident, construction and bridging finance as well as commercial lending, SMSF loans, and reverse mortgages - allows brokers to secure higher borrowing capacities and faster execution. Tune in to find out: What is driving the rapid growth of the non-bank sector. Why products like SMSF lending, trust borrowing, bridging finance, and commercial construction are surging. Top tips for submitting scenarios to credit teams to guarantee a fast "yes" or "no". And much more!

Ramit Sethi of I Will Teach You To Be Rich talks to Freya and Blake, a couple in their mid-40s with two young children who are facing one of the most urgent financial situations we've seen on the show. Together, they earn around $143K a year, but their fixed costs are at 102%, they have $0 in savings, only $180 invested, and more than $96K in debt. Freya applied because she feared they were close to becoming homeless. On the surface, their problem looks like debt. Underneath, it's avoidance, guilt, lack of partnership, and years of “we'll figure it out later.” Freya carries the emotional labour of the household and money decisions, while Blake admits he avoids the numbers and tries to solve problems by simply making more money. Ramit helps them confront the reality of their situation, stop tinkering around the edges, and build a radical plan that gives their family a chance to get stable. In this episode we uncover: • Why Freya and Blake are spending more than they make every month • How their fixed costs reached 102% of their income • Why having a $143K income still isn't enough when there's no system • The $96K debt number that forces them to face reality • Why Freya feels like she has to manage everything alone • Blake's “ostrich” approach to money and avoidance • How trips, skiing, and everyday spending became symptoms of a bigger issue • Why being intelligent doesn't protect you from bad money decisions • The emotional cost of having $0 in savings with two young children • How childhood, privilege, resentment, and guilt shaped their money habits • Why hustling stops working once fixed costs get too high • Ramit's warning that they are weeks away from not being able to pay rent • Why Blake may need to aggressively increase his income • How they move from blame and panic into a shared plan • Their follow-up reflections on what finally felt doable Chapters: (00:01:20) Meet Freya and Blake (00:03:30) Why Freya applied to speak with Ramit (00:05:23) “Do you want to have a budget conversation?” (00:05:56) The skiing trip that became a money fight (00:08:22) The Mexico trip they couldn't afford (00:13:52) Savings are gone and the safety net has disappeared (00:15:16) Freya carries the planning, groceries, kids, and money stress (00:21:54) Looking at the Conscious Spending Plan together (00:24:01) The real debt and net worth numbers land (00:31:24) Why 102% fixed costs means they are broke (00:32:04) Ramit warns they are weeks away from not paying rent (00:34:54) Childhood money lessons and blame (00:43:57) Borrowing money to avoid eviction (00:48:11) Blake's belief that more income will solve everything (00:57:14) Guilt, family, and saying yes when they should say no (01:03:00) Defining a realistic Rich Life from where they are now (01:08:30) Childcare costs disappearing (01:15:03) Freya asks Blake to help with grocery planning (01:18:00) Why savings comes before debt payoff right now (01:34:00) Why the plan finally feels doable This episode is brought to you by: Grow Therapy | Visit https://growtherapy.com/ramit to find a therapist today. LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Have you or your partner realised you're paying a 1% financial advisor hundreds of thousands of dollars in fees over your lifetime? Maybe you feel stuck because they're your “family money guy,” If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply

Simone Biles and Rebeca Andrade are two of the greatest gymnasts in history. Yet they competed against each other just five times in nine years! In this episode, we tackle what may be gymnastics' biggest structural problem: the world's best athletes rarely get the chance to face each other. We propose a complete overhaul of the competition system, including world rankings, federation-free qualification pathways, athlete-controlled careers, an elite season, and fan-voted wild cards. We also explore how sports like tennis, the WNBA, and other professional leagues handle competition, athlete compensation, data rights, and fan engagement—and what gymnastics can learn from them. Plus, we discuss real-time scoring technology, VR and AR viewing experiences, digital-twin technology, and other innovations that could modernize the sport and make gymnastics easier to follow for fans around the world. CHAPTERS 00:00 – Intro: Revolutionizing Gymnastics 01:01 – HEADLINES Texas State Adds D1 Gymnastics 03:13 – Canadian Championships & Ellie Black 07:07 – Koper Cup Chaos 14:04 – Behind The Scenes: Sharks, Dysentery & Club Gym Nerd 16:32 –  Gymternet News: Texas Coach Indicted, DA looking for suvivors 17:38 – Simone Biles Is Still 50/50 21:18 – Ukrainian Gymnastics Protest Campaign 22:23 – Denver's Achilles Injury Research 24:09 – Florida's Singapore Tour 25:35 – Nadia's 50-Year Perfect 10 Celebration 26:54 – Michigan Men Get a New Facility 27:28 – Gymnaestrada Comes to Las Vegas 28:59 – New Pakistan Gymnastics Documentary 30:25 – 1984 U.S. Men's Team Documentary 33:08 – Iranian Women Win Historic Medal 33:47 – Melanie & Rebeca Return Updates 34:25 – Revolutionizing Gymnastics: How We Fix The Sport 34:45 – The Problem: The Best Gymnasts Never Compete 37:19 – Simone vs Rebeca: Only 5 Times in 9 Years 39:17 – When World-Class Athletes Get Left Home 42:06 – Why Federations Have Too Much Power 47:02 – Borrowing the Tennis Model 50:34 – Rankings, Injuries & Athlete Autonomy 54:24 – Wild Cards System 56:26 – Fixing Judging with Technology 58:26 – Make Scores Understandable 01:01:12 – Real-Time Skill Tracking & Data Visualization 01:01:39 – AR, AI & Digital-Twin Technology 01:03:29 – VR Front-Row Seats for Every Fan 01:09:01 – Alternative Broadcasts & Fan Engagement 01:14:06 – How Gymnasts Should Actually Get Paid 01:16:39 – Athlete Unions, Data Rights & Ownership 01:22:40 – The WNBA Model for Athlete Bio Data 01:24:38 – Designing the Perfect Competition System 01:27:12 – Turning Olympic Viewers Into Real Fans 01:34:15 – Listener Question: Biles I vs Dos Santos  

Don and Tom tackle a Wall Street Journal financial decision-making quiz that explores how to prioritize competing goals such as retirement savings, high-interest debt, mortgages, and student loans. The discussion highlights the importance of employer matching contributions, the damaging impact of credit card debt, and the reality that many financial decisions depend on individual circumstances and risk tolerance. They then answer listener questions about retirement portfolio allocation, Fisher Investments' sales tactics and fees, stock ownership concentration among wealthy Americans, and whether a federal retiree should consolidate TSP assets into a Vanguard IRA. The episode emphasizes building a financial plan before making allocation changes, avoiding market predictions, and simplifying finances where possible.0:00 Wall Street Journal financial decision-making quiz begins1:23 Prioritizing 401(k) matches versus high-interest debt4:31 When to pay down credit cards instead of investing more5:20 Borrowing from a 401(k) to eliminate 22% credit card debt6:07 Mortgage payoff versus other debt reduction strategies7:55 Mortgage prepayment versus additional retirement savings9:35 Building a hierarchy for financial priorities11:07 Listener Bob asks about retirement readiness and portfolio allocation13:02 Fisher Investments' fees, sales tactics, and active management claims16:15 Why retirement planning should come before allocation decisions19:40 Stock ownership concentration among the wealthiest Americans22:03 Why markets are not a zero-sum game23:51 Will retiring Baby Boomers hurt stock prices?25:52 Listener asks about consolidating TSP and Vanguard retirement accounts29:18 Comparing Vanguard and TSP target-date fund allocations31:57 Benefits of simplifying and consolidating retirement accounts35:06 Don discusses sales and distribution of The Line UncrossedQuestions? Comments? Click!

What makes a story feel truly mythic? Many writers assume mythic fiction comes from borrowing archetypes, retelling old myths, or layering symbolic imagery into a story. While there is immense value in studying mythology, fairy tales, folklore, and archetypal storytelling traditions, something important has been lost in many modern conversations about mythic fiction. The old myths aren't powerful merely because of their plot structure or symbolism. They are powerful because they emerged from their creator's living relationship with symbol, transformation, mystery, dream, and the deeper psyche. In this episode, I explore: •    Why so much modern "mythic storytelling" can feel strangely hollow  •    The difference between inherited myth and living myth  •    Why writers often approach archetypes from the outside in  •    How mythic resonance actually emerges in story  •    Why mythic storytelling matters during times of cultural transformation  •    How writers can reconnect to the symbolic imagination itself  What if the role of the writer is not simply to preserve mythology, but to participate in it? If you've ever wanted to write stories that feel more resonant, symbolic, emotionally alive, or spiritually meaningful, this episode explores the deeper source from which mythic fiction arises. 02:45 How Modern Writers Understand Mythic Fiction and Archetypal Storytelling 03:58 The Mythological and Folk Tale Lens for Mythic Fiction 04:32 The Anthropological & Psychological Lens for Mythic Fiction 05:10 Pop Culture & the Mythic Retelling 06:27 Studying Myth vs. Writing Mythic Fiction 09:03 Borrowing vs. Accessing Symbols 11:17 Inherited Myth vs. Living Myth 12:16 Mythic Fiction in Cultural Times of Transformation 13:43 Our Relationship to the Old Stories Grows Thin 14:55 Mythic Fiction Requires the Partnership of Intuition and Intellect 16:11 Mythic Fiction Reconnects Writers to the Deep Source of Story 18:38 The Need for New Myths in a Changing World 20:15 New Myths, Ancient Roots 21:15 Participating in Myth as Much as Preserving It 21:59 Reconnecting to Myth in Your Own Writing Process Read the transcript: https://helpingwritersbecomeauthors.com/how-to-write-mythic-fiction LINKS & RESOURCES Want More? This conversation connects deeply to my class Alchemizing Plot, Character, & Theme: https://kmweilandstore.com/b/plot-character-theme-class In this masterclass, I explore how plot, character, and theme act as one cohesive symbolic structure capable of creating stories with emotional resonance, narrative momentum, and deeper thematic meaning. We'll talk about: •    Aligning inner and outer arcs  •    Creating stories that feel alive from the inside out  •    Integrating plot, character, and theme organically  •    Writing stories with greater depth and cohesion 

Most property investors are panicking over tax changes, but the real shock could come when borrowing power starts collapsing faster than expected. On Property Investing Insights, hosts Phil Tarrant and Victor Kumar from Right Property Group break down the growing fallout from the federal budget and why investors may need to rethink strategy, structure, and portfolio planning. Kumar warns that while negative gearing changes have dominated headlines, the real pressure point could come from reduced lending capacity, with some banks already adjusting calculators and slashing borrowing power dramatically. The episode explores how investors may need to adapt by reassessing portfolio structure, improving cash flow, and diversifying across different property types as the market adjusts to potential policy shifts. Kumar also cautions against panic-driven decisions, arguing that strong portfolios are built on long-term fundamentals, not short-term political noise or speculation. The duo also discusses how the changing landscape could reshape the buyer's agent sector, with increased pressure likely separating experienced operators from opportunistic entrants.

This week on TrendsTalk, ITR Economist and Speaker Taylor St. Germain sits down with Lauren Saidel-Baker to discuss what a new Fed chair could mean for inflation, interest rates, and business strategy heading into 2030. With inflation remaining stubbornly high and bond markets signaling concern, should businesses rethink their borrowing and investment plans before rates move even higher? Could the next move from the Fed actually be another rate hike?

Most property investors are scrambling to adjust after the federal budget, but the real shock isn't the policy itself; it's how quickly banks and lenders are already changing the rules. On The Smart Property Investment Show, host Phil Tarrant sits down with Eva Loisance and Julie Brennan from Finni Mortgages to discuss the tax changes fallout and why investors are being forced to reassess their strategy fast. The trio reveal how some lenders have already started scaling back negative gearing assumptions, slashing borrowing capacity before legislation is even finalised. Loisance shares a real client example where borrowing power dropped by hundreds of thousands of dollars almost overnight, exposing how quickly policy uncertainty can reshape investor options. The discussion also explores whether the changes are designed to push investors out and create more room for first home buyers, while warning that banks may tighten lending policies even further as they manage risk. But despite the panic, the trio believes that investors who stay adaptable and rethink structure, strategy and lending options will still find ways to keep growing. If you like this episode, show your support by rating us or leaving a review on Apple Podcasts and by following Smart Property Investment on social media: Facebook, X (formerly Twitter) and LinkedIn. If you would like to get in touch with our team, email editor@smartpropertyinvestment.com.au for more insights, or hear your voice on the show by recording a question below.

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Need a cake mixer for a couple of hours or want to give surfing a crack but don't have a board? A new online community borrowing site could be the answer. Own less and access more is the motto of BOZthat, which launched last month. It's the brainchild of Christchurch woman Georgie Kirkland, she spoke to Lisa Owen.

Episode Summary In this episode of Prosperity Thinkers Podcast, hosts Spencer Shaw and Kim Butler break down one of the most misunderstood financial topics of 2026: where to safely store cash in an unpredictable economy. As markets fluctuate and interest rates remain uncertain, Kim explains why cash is more than an emergency reserve — it's a strategic tool for solving problems and capturing opportunities. The conversation explores why many families are underprepared financially, the importance of emergency and opportunity funds, and why whole life insurance policies from mutual insurance companies can function as a powerful long-term cash asset. The episode also dives into the "time value of money," borrowing against cash value instead of withdrawing savings, and why comparing loan interest rates incorrectly creates confusion in online financial conversations. Spencer and Kim challenge modern "bro finance" narratives and explain why wealthy individuals and institutions often maintain larger cash positions than most people realize. This episode is a practical discussion about liquidity, flexibility, leverage, and financial preparedness in uncertain times. Links & Resources For resources and additional information of this episode go to Empower Your Finances With Our Prosperity Podcast Empowering Parents, Nurturing Futures - Prosperity Parents Kim D. H. Butler Keywords Cash flow Whole life insurance Emergency fund Opportunity fund Financial freedom Cash value insurance Infinite banking Liquidity Time value of money Passive wealth strategy Wealth preservation Interest rates Financial preparedness Investment strategy Borrowing against assets Mutual insurance companies Compound interest Financial education Real estate investing Wealth building Episode Highlights 00:00–00:40 – Spencer introduces the episode by discussing the uncertainty of the 2026 market and interest rate environment. 00:00–01:05 – Kim explains why cash is essential for both emergencies and opportunities. 00:01–02:20 – Discussion on why most families lack properly funded emergency and opportunity funds. 00:02–03:00 – Kim shares why some investors should hold up to 40% of their assets in cash. 00:03–03:34 – Mutual life insurance companies are introduced as strategic cash storage vehicles. 00:03–04:27 – Spencer references Berkshire Hathaway's massive cash holdings to support the concept. 00:04–05:14 – Difference between inaccessible cash and usable cash value inside whole life insurance. 00:05–06:25 – Kim explains the "time value of money" and why withdrawing savings interrupts compounding growth. 00:06–07:04 – How borrowing against life insurance cash value works in practice. 00:07–08:03 – Real estate down payment example using policy loans while preserving asset growth. 00:08–09:01 – Warning against comparing the wrong interest rates in financial strategies. 00:09–10:21 – Kim breaks down the four financial "lanes" people confuse when evaluating cash value strategies. 00:11–12:00 – Discussion about why life insurance policy loans cannot suddenly be called due like traditional leverage. 00:12–12:41 – No approval process required for borrowing against life insurance cash value. 00:13–14:14 – Final takeaway: build a strong financial foundation instead of chasing temporary financial hacks.

Daniel Lam examines the current market forces driving borrowing costs and explains where it makes sense to ‘lock' them in.Speaker: - Daniel Lam, Head, Cross-asset Derivative Strategy, Standard Chartered BankFor the latest market insights, visit our on-the-go Market Views or subscribe to Standard Chartered Wealth Insights on YouTube.

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Most people do not end up in serious debt because of one huge mistake. It is usually a series of small decisions that felt reasonable at the time. Doug Hoyes and Ted Michalos discuss seven important questions everyone should ask before borrowing money, whether it is for a car loan, line of credit, credit card purchase, or buy-now-pay-later financing. From calculating the true cost of borrowing to understanding what happens if your income changes, this conversation offers practical ways to avoid years of debt regret. Debt "Forgiveness" Options in Ontario https://hoyes.info/debt-forgiveness-optionsFAQs on Debt Relief FREE Canadian Credit Repair Course and NEW Budgeting Resources Licensed Debt Relief in Canada – Debt Help Starts Here Debt Free Digest Monthly E-Newsletter Sign Up Here Debt Repayment & Consumer Proposal Calculator Hoyes Michalos YouTube Channel – Reliable Canadian Debt Answers by Experts 01:05 – Borrowing is easier than ever 04:18 – Question #1: Do I actually need this? 07:02 – Question #2: What's the total cost? 10:15 – Why minimum payments keep people trapped 12:08 – Question #3: Can I really afford it? 15:02 – How income changes create debt problems 17:06 – Question #4: Do I have other options? 19:28 – Easy financing can be a warning sign 21:02 – Question #5: What's my exit plan? 23:10 – Question #6: Have I been honest about my debt? 25:14 – Question #7: Why am I making this decision today? 27:35 – How small decisions can lead to major debt 29:00 – What to do if debt already feels overwhelming Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed. 

Plus: Starbucks cuts more corporate jobs and offices. And Bill Ackman's Pershing Square has taken a new stake in Microsoft. Anthony Bansie hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Coalition leader Angus Taylor has delivered his first budget reply, vowing to crack down on migration levels and prohibit non-citizens from accessing welfare payments. Critics say the coalition is blaming migrants for Australia's economic troubles, as Pauline Hanson's anti-immigrant One Nation accuses the opposition of copying their policies. - 政府が今週発表した連邦予算案に対し、保守連合を率いる自由党のアンガス・テイラー党首が、対案である「バジェット・リプライ」を発表。移民受け入れ数の抑制や、市民権を持たない人への福祉給付の制限などを打ち出しました。これを受け、「オーストラリアの経済問題を移民のせいにしている」と批判する声もあがっています。さらに反移民を掲げるワンネーション党のポーリン・ハンソン党首は、「自分たちの政策を真似している」と非難しています。

About the Guest(s):Amy Irvine is the founder and CEO of Rooted Planning Group, a financial planning firm dedicated to helping individuals and families achieve financial well-being. With years of experience in the financial industry, Amy is an esteemed financial advisor known for her insightful strategies and personal approach to financial planning. Her expertise spans a variety of financial planning areas, emphasizing the importance of aligning life events with financial goals.Episode Summary:In this episode of Money Roots, host Amy Irvine dives into the important considerations for parents and students as they navigate the financial aspects of college education, particularly in light of new regulatory changes effective from July 1, 2026. Drawing on her extensive knowledge in financial planning, Amy offers a comprehensive guide to understanding the real cost of college, the borrowing process for both students and parents, and the crucial factors to assess when selecting an educational institution.The discussion begins with an introduction to the "real cost of college," focusing on the features and benefits of the College Navigator website. This online tool provides prospective students and parents with critical information about tuition fees, living costs, and trends in college expenses. Amy emphasizes the importance of examining retention and graduation rates, and how they should influence decision-making. The episode progresses into a detailed analysis of changes in borrowing limits for both students and parents. Amy explains the adjusted limits on PLUS loans and student loans, and the significance of understanding loan interest rates and origination fees when planning college finances.Key Takeaways:College Navigator is a vital resource for understanding the cost breakdown of potential colleges, including tuition, housing, and historical trends in pricing.The importance of considering college retention and graduation rates, which can impact the long-term value of a college investment.There are limits on how much can be borrowed through government loans—$27,000 for students over four years and $65,000 lifetime for parents via PLUS loans.Loan origination fees and interest rates significantly affect the total cost of borrowing for college; understanding these can help in the planning process.Parents and students should consider future job earnings and loan repayment strategies when deciding on college options, ensuring that debt remains manageable after graduation.Notable Quotes:"The 'real cost of college' is crucial for families to understand when making one of the biggest financial decisions for higher education.""College Navigator provides a comprehensive look at tuition fees, estimated out-of-pocket costs, and historical expense trends.""Understanding loan limits and origination fees is critical to managing education finances effectively.""Interest accumulates on student loans, adding to the principal amount over time. This is a key point families often overlook.""Planning for post-graduation expenses in relation to expected job salaries is essential in making a wise investment in education."Resources:College Navigator - A tool by the National Center for Educational Science Statistics to explore college costs, retention, and graduation rates.For a deeper understanding of these topics and more strategies on managing the financial journey through college, be sure to listen to the full episode. Stay tuned for more insightful discussions on Money Roots, where financial planning supports life's pivotal moments.

On this episode of the Perfect Cents Podcast, host Alex Becerra sits down with Lawrence Lomeli, AVP of Consumer Lending at SAFE Credit Union, to break down the complex world of borrowing and credit to help you build financial freedom for your future.  Topics include: Borrowing as a Tool: Why credit should be viewed as leverage for big-ticket items like homes, cars, and education rather than a source of anxiety. Credit Score Factors: A deep dive into what influences your score, including repayment history, credit mix, and the depth of your profile. The Benefits of High Credit: How a strong score leads to better interest rates, lower costs, and more options from financial institutions. Overcoming Challenges: Understanding that credit is a journey and that past hardships like medical issues or setbacks are not a reflection of your self-worth. Red Flags to Avoid: Critical warnings about the dangers of payday loans and using credit for everyday living expenses like groceries and gas. About the Guest: Lawrence Lomeli brings over 35 years of industry experience to the conversation, specializing in signature, personal, and auto loans. Resources: For more information on financial products and services, visit safecu.org to schedule an appointment with a professional expert today. SAFE is federally insured by NCUA and is an equal housing opportunity lender. To check out the resources highlighted in this episode visit the links below. Land Ocean - New American Grill To learn more about SAFE Credit Union products and services visit: https://www.safecu.org/  To register for an upcoming Financial Wellness webinar visit: https://www.safecu.org/community/events To read the latest edition of SAFE's Beyond Everyday Banking blog visit: https://blog.safecu.org/ To contact the podcast team, email Podcast@safecu.org