Podcasts about borrowing

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.

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.

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.

A wise substitute teacher once said, “you're not hardcore unless you live hardcore,” and actor and musician Rivkah Reyes clearly took that lesson to heart. Reyes, who played bassist Katie in the 2003 comedy School of Rock, has since become a real-life rockstar, recently releasing the hard-hitting, and hardcore, new single “Miss Congeniality.”Borrowing its title, and a bit of lyrical inspiration, from the Y2K classic starring Sandra Bullock, the track, produced by frequent collaborator Blonder (Anna Shoemaker, Ryn Weaver), uses the metaphor of a beauty pageant to explore the pressure to make yourself more digestible, only to be left with the sting of coming in second place.In the accompanying music video, co-directed by Reyes and Katie Colwell, edited by Jill Blutt, and filmed at OutBox, a queer and trans boxing gym in Bushwick, Reyes channels her inner Gracie Hart, Bullock's character in the film. Robed in a hyper-feminine pink dress and sparkling tiara, she steps into the boxing ring to grapple with herself while challenging societal expectations of femininity.On the latest episode of The Juice Box Sessions, we sat down with the New York City-based indie rock/pop musician and actor to discuss the new single, doing her own stage makeup, and what's next.Cover Art Photo By: Jon Del RealStay connected with Juice Box Press:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thejuiceboxpress/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thejuiceboxpress⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/thejuiceboxpress/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.pinterest.com/thejuiceboxpress/

Steve sits down with Dr Daniel Lamp, a Sydney-based GP and host of the Passive Income Doctors podcast, who built a 12-property portfolio in under a decade on a starting salary of $62,000. Dr Dan went against the advice of parents, friends and colleagues who told him to buy blue-chip Sydney real estate, and instead bought interstate in Brisbane, Perth, Darwin and regional Queensland before those markets ran. This episode covers his full portfolio timeline, the markets he chose and why, the mistakes he made early on, and the borrowing power and cash flow lessons that shaped his approach. Steve and Dr Dan also get into why doctors tend to make poor property decisions, the case for rent-vesting, when to sell and when to hold, and how AI and telehealth could reshape both the medical profession and the property market.In this episode, Steve and Dr Dan discuss:Dr Dan's background growing up in Western Sydney, saving $100,000 through university, and funding his first deposit on a $62,000 intern salary.Why doctors tend to make poor property decisions, from being time-poor and overconfident to getting funnelled into off-the-plan apartments for tax benefits.His first Brisbane purchase in 2017-2018 for $570,000, which nearly doubled to $1.1 million, while the equivalent Sydney unit only reached $800,000.The mistakes he made early on (land-and-build headaches, an emotional owner-occupier purchase) and why Steve believes early setbacks actually make better investors.Expanding interstate into Perth in 2023 and Darwin in late 2024, buying into flat markets with strong yields before they ran, and why he now regrets not going even more affordable.Selling Brisbane properties to restructure into a trust, free up borrowing power and redeploy capital into the next cycle, and why the old "never sell" advice no longer holds.The rent-vesting case for junior doctors, and why buying a home too early in training often costs more in stamp duty and opportunity cost than it returns.Borrowing power management: the LMI waiver for medical professionals, why owner-occupier debt hurts more than investment debt, and knowing when to change brokers and accountants as a portfolio scales.Why residential beats commercial early in the accumulation phase, and Steve's view on where commercial is heading (industrial, large land blocks, farmland).GP practice ownership economics, the telehealth and AI discussion, and Dr Dan's $300,000 passive income target to eventually step back from full-time clinical work.HOSTED BY:Steve PalisePh: 0403 878 497Email: steve@paliseproperty.comLinkedIn: https://au.linkedin.com/in/steve-paliseCONNECT WITH Dr DanLinkedIn: https://au.linkedin.com/in/daniellamp YouTube: https://www.youtube.com/@passiveincomedoctor Facebook: https://www.facebook.com/groups/doctorspropertynetwork/ Instagram: https://www.instagram.com/passiveincomedoctors/ ResourcesGet FREE access to the Commercial Property Institute course -  CLICK HEREGet FREE access to the Residential Property Institute course - CLICK HEREGet your FREE copy of Commercial Property Investing Explained Simply - Use discount code PODCAST CLICK HEREGet your FREE Commercial Property Paydown Calculator CLICK HERE Follow Palise Property on FACEBOOK for Free Tips Tricks & Insights CLICK HERE

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.

Borrowing a mate's car is a massive favour, but it comes with a high-stakes unspoken contract: you return it with a full tank of petrol, and absolutely zero new marks. ⛽

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  

Santa Clara County Market Update: High Rates, Home Maintenance Tips, and Los Gatos Home of the WeekVito reviews a home maintenance and inspection checklist for homeowners planning to sell in the next couple of years, emphasizing completing basic upkeep (gutters, caulking, repairs, pressure washing) and using his blog link and downloadable checklist to check every area of the home. He discusses slowing housing demand as borrowing costs rise, noting new U.S. home sales fell 6.2% and that higher-end homes are holding up better while affordability pressures ordinary buyers, with added uncertainty from global events and AI. He shares views on AI's impact on office work and the importance of social connection. New US home sales fall short as borrowing costs climbAI uncertainty clouds office construction outlookPROBATE AND ESTATE SALESHow your Home will be MarketedLos Gatos Home of the WeekSanta Clara County Price Reductions FREE HOME BUYER CHECKLIST HERE https://abitanogroup.com/HomebuyerchecklistHome Inspection CHECKLIST HERE https://abitanogroup.com/homeinspectionchecklist 00:00 Home Maintenance Hook01:08 Inspection Checklist Download01:37 Why Homes Aren't Selling02:37 New Home Sales Reality Check04:46 Don't Panic and AI Uncertainty07:19 AI and the Future of Offices08:55 Los Gatos Home of the Week10:39 Santa Clara County Highs and Lows13:08 Market Stats and Wrap Up

Send us Fan Mail

Wonder can disappear without us noticing, and when it does, worry has a way of taking its place. I'm sitting on a rock at the ocean, trying to read, but my mind is crowded with pressure and problems. Then a young mom walks by with her two little kids, and everything shifts. They aren't “just” walking the beach, they're on a treasure hunt, squealing over colored stones, shells, and pieces of sea glass like they've struck gold.Watching them hits me with a simple truth: I live in a beautiful place, yet I still take it for granted. Their excitement is contagious because it's honest. The mom doesn't brush it off, she joins in, celebrates each discovery, and saves every little find in plastic bags so the kids can revisit the joy later. That moment becomes a picture of what gratitude and mindfulness can look like in real life: slowing down, paying attention, and letting the ordinary become meaningful again.From there, I connect the experience to faith and Scripture, including Isaiah 42:5, a reminder of God as Creator and giver of breath and life. When I stop noticing God's creation, my attention drifts toward what's heavy, and those worries don't stay in my head, they start to sink into my soul. But when I choose to notice beauty, even small beauty, I feel peace and encouragement to face daily struggles with a steadier heart.If you want a short, practical reset for your morning routine, press play, then subscribe, share with a friend, and leave a review so more people can start their day with a clearer mind and a stronger sense of hope.We would love to hear your comments. Send us a Text MessageSupport the show

The Federal Budget has delivered some of the mostsignificant tax and property policy changes Australia has seen in decades.In this episode of Property & Finance, Theo Chamberssits down with economist Martin Lakos to discuss what the changes mean forinvestors, business owners, first-home buyers and everyday Australians.This episode covers:• Capital Gains Tax reforms• Negative gearing changes• Trust taxation updates• The impact on housing affordability• Rental market implications• Borrowing capacity and lending considerations• SMSF investment opportunities• The future of property investing in AustraliaMartin and Theo also discuss the broader economicconsequences of the reforms, including their potential impact on housingsupply, investment activity and long-term wealth creation.If you're an investor, homeowner, business owner or simplytrying to understand how the Budget may affect your financial future, thisepisode is essential listening.

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.

Nigeria's latest plan to secure a $1.2 billion World Bank loan has sparked fresh frustration and renewed debate about the country's rising debt burden. In this AfricaLink podcast, host Adwoa Tenkoramaa Domena speaks with Ene Obi, Executive Director of the Ene Obi Center for Development, and DW's Ben Adam Shemang in Abuja to unpack Nigeria's borrowing habits, their impact on the economy.

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.

Become a supporter of this podcast: https://www.spreaker.com/podcast/the-way-i-see-it--5905056/support.

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.

It's all beginning to feel a bit dot.commy Hosted on Acast. See acast.com/privacy for more information.

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。

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. - Лидер коалиции Ангус Тейлор представил свой первый ответ на бюджет, пообещав ужесточить контроль над миграцией и запретить негражданам получать социальные выплаты. Критики утверждают, что коалиция обвиняет мигрантов в экономических проблемах Австралии, в то время как антииммигрантская партия Полин Хэнсон One Nation обвиняет оппозицию в копировании их политики.

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. - गठबन्धनका नेता एङ्गस टेलरले आफ्नो पहिलो जवाफी बजेट भाषणमा आप्रवासनको स्विकार्ने स्तरमा कडाइ गर्ने र गैर-नागरिकलाई सामाजिक सुरक्षा भुक्तानीमा पहुँच रोक्ने प्रतिबद्धता व्यक्त गरेका छन्। आलोचकहरूले गठबन्धनले अस्ट्रेलियाको आर्थिक समस्याका लागि आप्रवासीलाई दोष लगाइरहेको बताएका छन् भने पोलिन ह्यान्सन नेतृत्वको आप्रवासन विरोधी वन नेसन पार्टीले विपक्षीले आफ्ना नीतिहरूको नक्कल गरेको आरोप लगाएको छ।

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.

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.

Legal tech used to live in the trunk - pulled out only when something broke. That era is over. David Cowen sits down with Chad Ergun, whose career has spanned Shearman & Sterling, White & Case, and Gibson Dunn before landing at Womble. Chad unpacks why mid-size firms are now competing with BigLaw, why his refusal to lock into a single AI vendor may be the smartest move in legal IT, and why simulation training is replacing the apprenticeship model. Key Topics Covered: Legal tech's promotion: From the trunk to the passenger seat to the driver's seat The roofing contractor problem: Why the billable hour cannot survive predictable outcomes, timelines, and costs Model hopping as strategy: Why Chad runs six different AI models and refuses vendor lock-in Simulation training for associates: Borrowing from pilots and surgeons to fix the mentorship gap AI doesn't judge you: Why associates ask AI the questions they were too afraid to ask their partners Enterprise data sovereignty: Why running AI on your own tenant is non-negotiable The end of the billable hour by 2027: Chad weighs in on Anthropic GC's bold prediction

​Jeremy Kyle reacts as Starmer vowed to get on with governing, despite open Labour revolt, a ministerial resignation, and 78 MPs demanding departure. Borrowing costs rose amid leadership uncertainty and global oil pressures, while allies warned destabilisation would hurt households. Speculation over Wes Streeting and Andy Burnham intensified, as critics said Starmer risks handing momentum to Farage.Wake up with Talk Breakfast in full on YouTube, DAB+ radio, Freeview 280, Fire TV, Samsung TV Plus or the Talk App on your TV from 6am every morning. Hosted on Acast. See acast.com/privacy for more information.

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

Key Takeaways: Build Your Own “Private Treasury”: You can grow wealth without selling your assets by using them wisely. Borrowing against what you own allows your assets to keep growing while you access cash. More Access to Financial Tools: Strategies that were once only for the wealthy are now more available. Technology and new lending options have made it easier for more people to use them. Invest in Your Community: Putting money into local businesses and projects can benefit both you and your community. It creates shared growth instead of sending money far away. Manage Risk Carefully: Good investing means preparing for downturns. It's also important that both lenders and borrowers are aligned and understand the risks involved. Make Your Money Work Harder: Wealth grows faster when your money earns in more than one way. Creating multiple income streams helps your capital work “double shifts.” Chapters: Timestamp Summary 0:00 Building Wealth Through Private Treasuries and Community Investment 11:11 Leveraging Collateral and Shared Harvests for Wealth Building 18:17 Leveraging Wealth Management and Risk for Financial Growth 27:23 Community Flourishing Through Decentralization and Heartfelt Connections   Powered by Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Higher education is in upheaval, and a wave of "micro colleges" is reimagining undergraduate formation. Matthew Smith, co-founder and president of Hildegard College in Costa Mesa, California, joins Mark Labberton to talk about a tiny school marrying the Great Books to redemptive entrepreneurship. "We need young adults who are coming out of college who are failure resilient." In this episode, Smith reflects on the demographic cliff, the limits of professionalized majors, and why eighteen-year-olds need formation before a career. Together they discuss higher ed innovation, redemptive entrepreneurship, beauty as a public good, and what employers really want. Episode Highlights "We need young adults who are coming out of college who are failure resilient." "Most of these schools are endeavoring at least to promise a fruitful career … leaving behind what most 18 to 23 year olds actually need." "I would warn people away from universities that cannot clearly answer the question, what will all students learn at your school?" "First you need to seek what's true and good, what's worthy of being loved. Then you need to be formed into the kind of person that loves it. And then finally, the natural outlet of that is creation." "If there's a problem, they figure it out. They're not just asking their computers what the answer is." About Matthew Smith Matthew J. Smith is the founding president of Hildegard College, a Christian liberal arts micro college in Costa Mesa, California. He holds a PhD in Literature from USC, and taught for fifteen years at Azusa Pacific University before founding Hildegard College. His scholarship covers Shakespeare, John Milton, John Donne, and George Herbert; he has authored or edited four books on early modern literature and religion, and is working on a new book on beauty. Helpful Links and Resources Hildegard College https://www.hildegard.college Praxis on Redemptive Entrepreneurship https://www.praxis.co/redemptive-entrepreneurship St. John's College https://www.sjc.edu Literature and Religious Experience, by Matthew J. Smith https://www.amazon.com/Literature-Religious-Experience-Beyond-Unbelief/dp/1350193917 Show Notes Higher ed in flux "It's the economy that's driving disruptive innovation in higher education right now." The demographic cliff and small private colleges Job readiness vs. personal transformation "Leaving behind what 18 to 23 year olds actually need … becoming wise and faithful adults." From English professor to college founder Discovering micro colleges through classical K–12 schooling Trivium, quadrivium, democratic liberal education Visiting startup colleges in 2018; tuition often $10K–$15K "A shared vision of the end of learning" Hildegard's founding: liberal arts plus entrepreneurial arts Hildegard of Bingen, polymath patron Borrowing redemptive entrepreneurship from Praxis Beauty as antidote to weaponized truth and goodness Foundations of Thought + Entrepreneur Lab Real campaigns, real ventures—not test answers Field trips: Portland and El Salvador "We need young adults … who are failure resilient." Limits of pure classicism at St. John's, Thomas Aquinas "I loved my college, but I wish they would've taught us how to do something." Startup speed: idea Thursday, launching next Thursday "What will all students learn at your school?" Why Smith stopped believing in the English major Employers want teachability and adaptability "First you need to seek … then to be formed … then creation." Intellectual confidence and humility together #HigherEducation #ClassicalEducation #LiberalArts #MicroCollege #ChristianHigherEd #RedemptiveEntrepreneurship #GreatBooks #HildegardCollege Production Credits Conversing is produced and distributed in partnership with Comment magazine and Fuller Seminary.

In this episode, Jim and Nick walk through the real mechanics behind Infinite Banking and answer the questions that usually trip people up. You'll quickly learn that it's not about finding the "best policy". Really, it''s about building a system you actually use. They break down why whole life is the preferred platform, why most alternatives fail over time, and how control, guarantees, and behavior determine outcomes. You don't build wealth by owning a policy. A policy won't do it. You build wealth by moving money through a system you control. Key Takeaways: - Infinite Banking is a process, not a product - Whole life is the platform, but behavior drives the outcome - "Buy term and invest the difference" ignores control and real-world use - Policy loans let your money keep compounding while in motion - Wealth is built through control and velocity of capital, not accumulation Chapters 00:00 How It All Comes Together 02:59 Process vs Product 06:02 Why "Buy Term Invest the Difference" Fails 10:53 The Multiple Layers of Return 17:17 Borrowing vs Losing Control 20:27 What Happens in a Crash 25:06 Where Your Money Actually Sits 28:33 Whole Life vs Universal Life 34:45 Are You Too Late to Start? ______________________________ If you're ready to breakaway and start making real wealth, then join our free community.  Get access to new daily content, on-demand courses on how money works and Infinite Banking, a Q&A video library, reading library, worksheets, calculators, and more.  

Join Yan Liberman and Can Gurel as they speak with Samed Düzçay, founder of Tori, a yield protocol bringing institutional-grade delta-neutral strategies on-chain. Samed shares his journey from mining Bitcoin as a child to building and exiting a successful SaaS company, eventually identifying a massive gap in the stablecoin yield market. They dive into the mechanics of the "carry trade," exploring how Tori captures spreads in emerging markets while hedging out local currency risk. Samed explains the protocol's multi-layered security approach, its real-time auditability through ZK-proofs, and how tokenization unlocks yield-enhancing "loops" that were previously impossible in traditional finance.