Podcast appearances and mentions of brian bernard

Global Sustainable Stock Picks includes articles by financial analysts at Morningstar and Insider Monkey. Plus, links to five more articles! By Ron Robins, MBA Transcript & Links, Episode 147, February 7, 2025 Hello, Ron Robins here. Welcome to my podcast episode 147, published February 7, 2025, titled “Global Sustainable Stock Picks.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Remember that you can find a full transcript and links to content – including stock symbols and bonus material – on this episode's podcast page at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, and I don't receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal any investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief. Please go to this podcast's webpage for links to the articles and more company and stock information. ------------------------------------------------------------- Global Sustainable Stock Picks (1) I'm beginning this podcast with this intriguing article titled 10 Best Ethical Companies To Invest In According to Reddit. It's by Mashaid Ahmed in Hedge Funds, News and seen on insidermonkey.com. Here are some quotes from the article. “We sifted through relevant threads to compile a list of the 25 ethical companies. We then used Insider Monkey's Hedge Fund database to rank 10 stocks according to the largest number of hedge fund holders, as of Q3 2024. The list is sorted in ascending order of hedge fund sentiment. Our research has shown that we can outperform the market by imitating the top stock picks of the best hedge funds… 10. Enphase Energy, Inc. (NASDAQ:ENPH) Number of Hedge Fund Investors: 38 Enphase Energy is a leading provider of advanced home energy solutions, including micro inverters, batteries, EV chargers, and energy management software. The company enables homes and businesses to harness clean energy efficiently and helps reduce carbon emissions. 9. United Parcel Service, Inc. (NYSE:UPS) Hedge Fund Investors: 43 United Parcel Service is one of the largest package delivery companies in the world. The company provides logistics, freight, and supply chain solutions to customers across various industries, and is known for its ethical practices including a strong focus on sustainability through its carbon-neutral shipping options, investments in alternative fuel vehicles, and initiatives to reduce emissions across its operations. 8. Ecolab Inc. (NYSE:ECL) Hedge Fund Investors: 47 Ecolab is a leader in water, hygiene, and energy technologies and services. The company has a presence in over 170 countries and serves a diverse range of industries, including food service, healthcare, hospitality, industrial, and energy. Ecolab's innovative solutions not only enhance operational performance but also significantly reduce water and energy usage, making them essential for customers in unpredictable and challenging environments. 7. Waste Management, Inc. (NYSE:WM) Hedge Fund Investors: 54 Waste Management, Inc. is one of the largest providers of waste and recycling services in North America. The company handles everything from residential trash to industrial waste solutions. Waste Management, Inc.'s focus on environmental responsibility is evident in its investments in recycling technologies and renewable energy projects, including landfill gas-to-energy initiatives… Waste Management, Inc. is making substantial investments in sustainability and renewable energy, which are expected to drive significant long-term growth. 6. MSCI Inc. (NYSE:MSCI) Hedge Fund Investors: 55 MSCI is an American finance company that provides investment decision support tools, including indexes, portfolio analysis tools, and ESG (Environmental, Social, and Governance) research. The company's clients include asset managers, hedge funds, and financial institutions. MSCI is a strong advocate of sustainable investing and guides investors toward responsible and impactful investments. 5. The Coca-Cola Company (NYSE:KO) Hedge Fund Investors: 69 The Coca-Cola Company is a leader in the beverage industry and offers a wide range of soft drinks, juices, and other refreshments. The company is known for its emphasis on sustainability efforts. 4. American Tower Corporation (NYSE:AMT) Hedge Fund Investors: 73 American Tower is a REIT that owns and operates telecommunications infrastructure, including wireless and broadcast towers. The company has over 200,000 communication sites across the United States, Europe, and emerging markets and serves telecom operators. American Tower is known for its ethical commitment through its focus on sustainable practices, such as energy-efficient infrastructure, and efforts to bridge the digital divide in underserved communities. 3. Costco Wholesale Corporation (NASDAQ:COST) Hedge Fund Investors: 75 Costco operates membership-based warehouse clubs and offers a wide range of products from groceries to electronics at competitive prices. The company serves over 138 million cardholders, including 77.4 million paid household members, and continues to expand its footprint through strategic warehouse openings and innovative digital initiatives. Costco is known for its ethical business practices, employee well-being through industry-leading wages, and sustainability efforts in reducing waste, sourcing responsibly, and maintaining transparent supplier practices. 2. Starbucks Corporation (NASDAQ:SBUX) Hedge Fund Investors: 76 The company operates more than 32,000 stores worldwide and offers premium coffee, tea, and snack products, along with other consumer-packaged goods such as coffee beans and ready-to-drink beverages. The company's ethical initiatives include sourcing ethically produced coffee through its Coffee and Farmer Equity (C.A.F.E.) practices. 1. Microsoft Corporation (NASDAQ:MSFT) Hedge Fund Investors: 279 Microsoft is known for its innovation, and leadership in corporate responsibility. Microsoft is continuously innovating its Productivity and Business Processes segment, which includes Office 365, LinkedIn, and Dynamics 365. The company recently integrated its 365 Copilot, an AI-powered assistant, into productivity tools such as Word, Excel, and Outlook, which has led to a significant increase in user engagement and business value.” End quotes. ------------------------------------------------------------- Global Sustainable Stock Picks (2) Many ethical and sustainable investors want to internationalize their portfolios. So, here's a new article to assist them. It's titled These 8 Foreign Stocks Are Widely Held by Global Sustainable Funds. It's by Liz Angeles and found on morningstar.com. Here are some quotes from the article. “To obtain top stocks widely owned by ESG global sustainable funds, we ran two searches on the open-end and exchange-traded funds coverage. We looked for large-cap global funds and selected the oldest share classes. We looked at the funds that are considered sustainable investment and compared them with the traditional funds. (And) pulled the top 500 holdings from the sustainable funds, and likewise for the traditional funds, and analyzed the average weights of each security. Stocks That Are Uniquely Held by Global Sustainable Funds Source: Morningstar Direct as of 1/22/2025. 1. Schneider Electric SE Morningstar Rating: 2 Stars Schneider Electric is a leading global supplier of electrical and industrial automation equipment. The group has four end markets: buildings, data centers, infrastructure, and industry, each of which relies on Schneider's products and solutions to ensure their operations run safely and efficiently. ‘Two thirds of Schneider's revenue is generated from electric utilities, buildings, and data centers, which are three end markets enjoying multiyear secular growth themes.' - Matthew Donen, Director, Morningstar. ‘Schneider has the strongest management of its material ESG issues across the electrical equipment subindustry.' - Morningstar Sustainalytics. 2. Iberdrola SA Morningstar Rating: 3 Stars ‘Iberdrola is the second-biggest integrated utility in Europe after Enel. Besides its domestic Spanish market, Iberdrola has strong exposure to the United Kingdom since the acquisition of Scottish Power in 2007.' - Tancrede Fulop, Morningstar senior equity analyst. ‘Carbon pricing and regulation are in place or expected in the main markets in which Iberdrola operates. This will likely benefit the company, as its generation mix is relatively low-carbon: renewables, hydro, and nuclear comprised 61% of generation in 2023, while all remaining coal-fired power plants were closed in 2020.' - Morningstar Sustainalytics. 3. TE Connectivity PLC Registered Shares Morningstar Rating: 3 Stars ‘TE Connectivity designs and manufactures connectors and sensors, supplying custom and semicustom solutions to a bevy of end markets in the transportation, industrial, and communication industries.' - William Kerwin, Morningstar equity analyst. In its 2023 Corporate responsibility report, TE Connectivity reported that it reduced its absolute scope 1 and 2 greenhouse gas emissions by 39% in 2023. This included achieving 77% renewable electricity use globally.' 4. Trane Technologies PLC Class A Morningstar Rating: 1 Star ‘Trane Technologies is a leading supplier of climate control products and services.' - Brian Bernard, director of industrials equity research for Morningstar. ‘Additionally, the company manufactures specialized equipment where competition is limited. This can lead to monopolization of product lines and create opportunities for the company to become involved in anticompetitive practices, such as price fixing and collusion. Trane is also exposed to asbestos-related claims from its former operations.' - Morningstar Sustainalytics. 5. Prysmian SpA Morningstar Rating: 1 Star Prysmian SpA is an Italian manufacturer of electric power transmission and telecommunications cables and systems… More than half the firm's revenue is generated in the Europe, Middle East, and Africa regions, with the rest coming from North America, Latin America, and Asia-Pacific regions. ‘Prysmian SpA has assigned responsibility for overseeing ESG issues at the board level… The company's overall management of material ESG issues is strong.' - Morningstar Sustainalytics. 6. Aptiv PLC Morningstar Rating: 3 Stars Aptiv PLC signal and power solutions segment supplies components and systems that make up a vehicle's electrical system, including wiring assemblies and harnesses, connectors, electrical centers, and hybrid electrical systems… ‘To keep pace with the changing automotive industry and increasing consumer demand for new sustainable mobility solutions, Aptiv boosted investments into vehicle electrification solutions and other research and development projects. The company's overall management of material ESG issues is strong.' - Morningstar Sustainalytics. 7. Infineon Technologies AG Morningstar Rating: 4 Stars ‘Infineon is a leading broad-based European chipmaker, with significant exposure to secular growth drivers in the automotive chip sector. Infineon should emerge as a leading supplier for electric vehicles and active safety systems used in cars, with increasing exposure to car ‘infotainment' systems. - Brian Collelo, Morningstar Strategist. ‘Product Governance for the semiconductor industry encompasses functionality, cost, marketability, reliability, form, packaging, and delivery time of chips… The company's exposure to product governance issues is Medium and moderately above the subindustry exposure.' - Morningstar Sustainalytics. 8. Siemens AG Morningstar Rating: 3 Stars Siemens is a multi-industry company focused on the areas of automation, electrification, mobility, and healthcare. Its top three geographic regions—the United States, Germany, and China—contribute over half group revenue… ‘Our 7% EPS growth estimate annualized through 2028 is on the low end of some of its peers, attributable to the cyclicality in its discrete automation business.' - Matthew Donen, Director for Morningstar. ‘The company's overall management of material ESG issues is strong.' - Morningstar Sustainalytics.” End quotes. ------------------------------------------------------------- Additional articles not covered due to time constraints 1. Title: Why Ecolab Inc. (ECL) Is One of the Best Humane Stocks to Invest in Now? On finance.yahoo.com. By Mashaid Ahmed. 2. Title: Visa vs. Mastercard: Who's Leading the Charge in Finance, Sustainability, and Net Zero? On carboncredits.com. By Jennifer L 3. Title: 12 Most Promising Green Stocks According to Hedge Funds on insidermonkey.com. By Mashaid Ahmed in Hedge Funds, News. 4. Title: 8 Best Humane Stocks to Invest in Now on insidermonkey.com. By Mashaid Ahmed in Hedge Funds, News and seen on insidermonkey.com. Article from Australia 1. Title: Top Ethical Investment Funds in Australia for 2025 – James Hayes Financial Advisor & Planner – Caringbah, AU on jameshayesfpblog.wordpress.com. By James Hayes Financial Planner. ------------------------------------------------------------- Ending Comment These are my top news stories with their stock and fund tips for this podcast “Global Sustainable Stock Picks.” Please click the like and subscribe buttons wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these troubled times! Contact me if you have any questions. Thank you for listening. I'll talk to you next on February 21st. Bye for now.   © 2025 Ron Robins, Investing for the Soul

Consider These Top ESG Stocks! ESG fund ownership offers great insight into the best stocks to own for potential returns. By Ron Robins, MBA Transcript & Links, Episode 143, November 29, 2024 Hello, Ron Robins here. Welcome to this podcast episode 143 published November 29, 2024, titled “Consider These Top ESG Stocks!” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Remember that you can find a full transcript and links to content – including stock symbols and bonus material – on this episode's podcast page at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, and I don't receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal any investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief. Please go to this podcast's webpage for links to the articles and more company and stock information. ------------------------------------------------------------- Consider These Top ESG Stocks! (1) I'm beginning this podcast episode with a great article titled The Top Stocks Widely Owned by ESG Funds. It's by Frances Aufderheide and found on morningstar.com. Here are some quotes from the article. “We found five stocks owned exclusively by large-cap sustainable funds in the industrials, materials, and healthcare sectors. We describe them below, with insight from Morningstar analysts and Sustainalytics. Source: Morningstar Direct. Weights as of Oct. 31, 2024. Data as of Nov. 5, 2024. 1. Ecolab (ECL) Morningstar Rating: 2 Stars Morningstar ESG Risk Rating Assessment: 3 Globes Price/Fair Value: 1.14 Total Return Year to Date (Month-End): 24.75 ‘As the global leader in the cleaning and sanitation industry, Ecolab provides products that help its hospitality, foodservice, and life-sciences customers do laundry, wash dishes, maintain clean manufacturing environments, and ensure regulatory compliance. With unmatched scale and a solid razor-and-blade business model, Ecolab's competitive advantages are firmly in place.' ‘Ecolab's largest growth driver over the next decade will be the water business, which generates the majority of revenue in the industrial segment. During the quarter, water revenue grew 3% versus the prior-year quarter on an organic basis, excluding currency movements.' —Seth Goldstein, Morningstar Strategist 2. Agilent Technologies (A) Morningstar Rating: 4 Stars Morningstar ESG Risk Rating Assessment: 4 Globes Price/Fair Value: 0.91 Total Return Year to Date (Month-End): (5.76) Agilent provides instruments, software and services for laboratories. ‘Agilent offers differentiated technology that is protected by various intangible assets, including patents, copyrights, and trademarks. This portfolio of intellectual property and its innovation prowess in chosen fields keep competitors from directly copying its technology.' —Julie Utterback, Morningstar Senior Equity Analyst 3. Xylem (XYL) Morningstar Rating: 3 Stars Morningstar ESG Risk Rating Assessment: 3 Globes Price/Fair Value: 1.07 Total Return Year to Date (Month-End): 7.43 ‘Xylem is one of the leading water technology companies in the world. Its extensive portfolio spans a wide range of equipment and solutions for the water industry, including the transport, treatment, testing, and efficient use of water for public utilities as well as industrial, commercial, and residential customers. Xylem operates four business segments: water infrastructure, applied water, measurement and control solutions, and water solutions and services.' —Krysztof Smalec, Morningstar Equity Analyst 4. W.W. Grainger (GWW) Morningstar Rating: 1 Star Morningstar ESG Risk Rating Assessment: 4 Globes Price/Fair Value: 1.66 Total Return Year to Date (Month-End): 34.57 W.W. Grainger distributes maintenance, repair, and operations products to more than 4.5 million customers. ‘We've raised our fair value estimate for narrow-moat-rated Grainger by 12% to $660 per share as we've become more confident of the firm's ability to maintain long-term operating margin above 14%. Even so, the current stock price remains well above our revised fair value estimate.' ‘Our confidence (of a narrow moat) is rooted in Grainger's ability to fend off competitive pressures from both new and existing players in the maintenance, repair, and operations market.' —Brian Bernard, Morningstar Senior Director 5. Veralto (VLTO) Morningstar Rating: None Morningstar ESG Risk Rating Assessment: 3 Globes Total Return Year to Date (Month-End): 24.56 Veralto provides technology solutions to improve the quality and reliability of water and product innovations through a suite of brands. ‘This tax-free spinoff is just the latest example of Danaher's business pruning.' —Julie Utterback, Morningstar Senior Equity Analyst” End quotes. Also, go to the link on this podcast page to this article for additional research on the “Top 10 widely held in US Sustainable Large-Cap Fund Universe” and “Top 5 Overweight Securities in the US Sustainable Large-Cap Fund Universe”. ------------------------------------------------------------- Consider These Top ESG Stocks! (2) The second article today reviews a company that is an old favorite of ethical and sustainable investors. The article is titled Buy First Solar Stock on the Dip. Solar Energy Will Be Too Good an Opportunity for President-Elect Trump to Pass Up. It's by James Brumley and found on fool.com. Here are a few of his comments on First Solar stock. “First Solar (FSLR) Investors suspect pro-oil President-elect Donald Trump could also prove unsupportive of renewable energy. In fact, most clean energy stocks are down since his Nov. 5 election on this very worry. First Solar has been no exception to the industrywide sell-off. This weakness, however, is also a buying opportunity for anyone interested in owning a piece of the solar panel maker, or in adding exposure to the solar industry as a whole. The solar power movement is too big and too well-developed for Donald Trump to bring to a halt now. First Solar is also well-positioned to sidestep one of the few meaningful actions the president-elect could take to disrupt the solar industry's growth. Solar is just too competitive to stop now Data gathered by Wood Mackenzie and reported by the U.S. Department of Energy indicates that utility-scale solar power is now in line with the cost of natural gas and coal-fired power… The irony? Largely because it's the cheapest means of adding utility-scale power production there, solar is growing like wildfire in several states like Texas, Oklahoma, and Kansas that picked Trump to be president during the recently ended election cycle. To the extent voters picked Trump for economic reasons, they'll certainly appreciate cheaper electricity and its positive impact on the economy. The 2022 passage of the Inflation Reduction Act is admittedly fueling much of this growth, by offering taxpayers a tax credit of up to 30% of the cost of a solar power system. The IRA also incentivizes utility-scale solar power projects as well as the manufacturing of solar panels themselves… But tariffs? While unspecific as well as far from being certain (Trump argues the mere threat of tariffs is enough), First Solar is mostly immune to their impact anyway. Although the company requires some imported materials that may be subject to such tariffs, it's an American manufacturer mostly serving the North American market, where the company believes over 90% of its immediate revenue opportunities await… Data source: StockAnalysis.com. Chart by author. Give at least partial credit for this brewing growth to First Solar's Cadmium Telluride (CdTe) photovoltaic panels. Although they make its design and production processes more complicated and more costly than that of more conventional silicon panels, this technology proves more durable while at the same time delivering more power. Utility-scale buyers are increasingly seeing these high-performance panels as an investment rather than an expense, as they further lower the effective per-kilowatt cost of solar power… The market's overestimating the risk, and underestimating First Solar Now all of a sudden First Solar's stumble since early November and its much bigger 37% pullback from June's peak looks like an entry opportunity. The analyst community agrees, anyway. Undeterred by political rhetoric and handwringing, most of them still consider First Solar stock a strong buy, sporting a consensus price target of $280.79. That's almost 50% above the stock's present price.” End quotes. ------------------------------------------------------------- Consider These Top ESG Stocks! (3) This next article, though from Australia, might interest many investors outside of that wonderful country. It's titled The Ethical Investor: These three ESG award-winning ASX companies show how it's done. It's by Eddy Sunarto found on ntnews.com.au. Here are some of what Mr. Sunarto says about his picks. “1. Orica (ASX:ORI) was named Australia's most sustainable company in the 2024 Australian Financial Review Sustainability Leaders awards, taking home top honours for its significant environmental impact. The company, a global leader in commercial explosives, was recognised for its groundbreaking emissions abatement project at its Kooragang Island plant near Newcastle, NSW. This project is the largest of its kind in the Australian chemicals sector, reducing emissions by 45% at the site and cutting national chemical industry emissions by 11%... The judges believe Orica's efforts have not only addressed environmental challenges but have also driven economic growth, injecting millions into the local economy while future-proofing critical manufacturing capabilities for industries such as mining, agriculture and healthcare. The company's commitment to sustainability is also reflected in its ambitious climate targets, aiming for net zero emissions by 2050. 2. Sims Metal Management (ASX:SGM) an Australian-based global recycling company with a 106-year history, was named the most sustainable corporation of 2024 by Corporate Knights, topping its Global 100 list. Known for its role in the circular economy, Sims has been integral in reducing carbon emissions by recycling metals like steel, copper, and aluminium – which are crucial in industries like electric vehicles, wind turbines and solar panels. In 2023 alone, the company's efforts saved 13 million tonnes of CO₂, equivalent to removing nearly three million cars from the road, according to its reports. Sims' approach to sustainability extends beyond recycling, with ambitious goals to transition to renewable energy in its operations by 2025 and achieve net-zero emissions by 2050… The company is investing in advanced technologies, like automated sorting systems and AI robots, to improve the efficiency of its recycling processes. Although these innovations may not always attract the same attention as large renewable energy projects, CEO Stephen Mikkelsen said that metal recycling plays a vital role in decarbonising industries and contributing to a sustainable future. 3. Australian Vintage (ASX:AVG) won the 2024 Global Drinks Intel ESG Award for Sustainable Wine Producer, which was announced in September. The award recognised the company's strong commitment to environmental, social, and governance (ESG) principles, despite current challenges within the Australian wine industry. The company had earlier achieved B Corp certification in February, making it one of only three Australian wine companies with this status. Australian Vintage's ESG strategy focuses on three key pillars: 'Thriving People', 'Nurture Nature', and 'Meaningful Growth'. The company said all these are supported by measurable, verifiable performance… The judges praised Australian Vintage for not just making ESG commitments, but for quantifying and achieving real, impactful results.” End quotes. ------------------------------------------------------------- Additional Articles of Interest 1. Title: The Top 10 Nuclear Energy Companies Shaping Clean Power on vaneck.com. By Coulter Regal. 2. Title: How to Get Fossil Fuels Out of Your Investment Portfolio on nytimes.com. By Tara Siegel Bernard. 3. Title: Raymond James Predicts Up to ~440% Rally for These 2 ‘Strong Buy' Stocks on finance.yahoo.com. By TipRanks. 4. Title: Top 10: Sustainable Brands on sustainabilitymag.com. By Jasmin Jessen. ------------------------------------------------------------- Ending Comment These are my top news stories with their stock and fund tips for this podcast “Consider These Top ESG Stocks!” Please click the like and subscribe buttons wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these troubled times! Contact me if you have any questions. Thank you for listening. Now my next podcast will be December 13th. I'll talk to you then! Bye for now.   © 2024 Ron Robins, Investing for the Soul

Some have called this the weirdest housing market in recent history due to the unusual mix of high interest rates and declining affordability. And yet, we still have record high home prices across the 20 largest housing markets in the country. This month, we're diving into the U.S. housing market, a topic very relevant to many investors given a house is often the largest single asset one owns. In this episode, we're excited to shed light on the US housing market, what makes it challenging, what makes it unusual, and what needs to change for it to improve. We're joined by Preston Caldwell, Morningstar's Chief US Economist and Brian Bernard, Director of Equity Research specializing in the industrial sector, which includes homebuilders.

Our guest this week is Peter Hayes. Peter is a managing director at BlackRock where he heads the firm's municipal income group and sits on its global fixed-income Executive Committee. In his role, Peter oversees all aspects of municipal fund management, including portfolio management, research, strategy, and trading. Among his responsibilities, Peter is one of the managers of the BlackRock Strategic Opportunities Fund. In addition to these duties, Peter is also a member of BlackRock's Global Operating Committee. Before joining BlackRock in 2006, Peter was a portfolio manager at Merrill Lynch Investment Management, where he led the short-term tax-exempt trading desk and managed short-term municipal bond strategies. Peter earned a bachelor's in economics from the College of the Holy Cross.BackgroundPeter Hayes BioThe Big Picture“Local Finances Are Troubled, but Fund Investors May Still Profit,” by Carla Fried, nytimes.com, July 10, 2020.“Muni Investors Scale Back,” by Peter Hayes, blackrock.com, Oct. 7, 2020.“How Much Is COVID-19 Hurting State and Local Revenues?” by Louise Sheiner and Sophia Campbell, brookings.edu, Sept. 24, 2020.“Record Increases of new Covid-19 Cases in 3 U.S. States With the Most Population,” by Jay Croft, Christina Maxouris, and Douglas Wood, cnn.com, June 24, 2020.Stimulus“Second Stimulus Checks (10/1/20): What Will the Next Stimulus Package Look Like?” by Claudia Dimuro, pennlive.com, Oct. 2, 2020.“CARES Act Includes Essential Measures to Respond to Public Health, Economic Crises, But More Will Be Needed,” by Sharon Parrott and others, cbpp.org, March 27, 2020.Municipal Liquidity Facility definition“The Fed Says It Is Expanding its Municipal Bond Buying Program,” by Jeff Cox, cnbc.com, April 27, 2020. “U.S. Municipal Market Activity Witnessing Positive Momentum Post Fed’s Intervention,” by Nikhil Francis and Saswata Mohanty, acuitykp.com, Sept. 18, 2020.“Lawmakers Tangle Over Fed’s Muni-Market Rescue,” by Heather Gillers, morningstar.com, Sept. 17, 2020.“Riskier Fixed-Income Sectors Bounce Back in the Second Quarter,” by Gabriel Denis, Morningstar.com, July 6, 2020.Credit“Municipal Bond Perspective: Where We Go From Here,” beyondbullsandbears.com, April 24, 2020.“How Is the Coronavirus Crisis Affecting the Municipal Bond Market?” by Daniel Bergstresser, econofact.org, April 8, 2020.“Bond Insurance Returns to the Muni Market in a Big Way,” by Heather Gillers, wsj.com, Oct. 22, 2020.“Muni Bond Insurers See Demand Grow Amid Pandemic Worries,” by Liz Kiesche, seekingalpha.com, Oct. 22, 2020.Supply and Demand“Municipal Bond Market Update—September Edition,” by Corey Boller, dividend.com, Sept. 10, 2020.“Supply and demand shocks in the COVID-19 pandemic: an industry and occupation perspective,” by R Maria del Rio-Chanona and others, academic.oup.com, Aug. 29, 2020. “Will Supply-Chain Disruptions and Delayed Capital Spending Be Material,” by Brian Bernard, Morningstar.com, March 25, 2020.“Munis in Focus: 2020 Municipal Market Update,” by David Hammer, pimco.com, Sept. 11, 2020.“Global Supply Chains in a Post-Pandemic World,” by Willy C. Shih, hbr.org, Sept.-Oct. 2020.“Reviving States, Cities and the Munibond Market Amid COVID-19,” by Brian Wynne, morganstanley.com, April 27, 2020.“Revenue Streams Drying Up? Municipal Bonds in the Pandemic,” by Dennis DiCicco, jhinvestments.com, Aug. 20, 2020.Taxes“Calculating Tax Equivalent Yield: Are Municipal Bonds Right for You?” by Thomas Kenny, thebalance.com, May 11, 2020.“7 Best Tax-Free Municipal Bond Funds,” by Barbara Friedberg, money.usnews.com, Oct. 7, 2020.“Taxable Munis? They’re Worth a Look,” by Jeffrey R. Kosnett, Kiplinger.com, Jan. 2, 2020.“Coronavirus Fears Affect the Municipal Bond Market,” by Cooper Howard, schwab.com, March 18, 2020.“What Is the Muni-Treasury Ratio or M/T Ratio?” by Thomas Kenny, thebalance.com, July 29, 2020.Portfolio/PositioningStrategic Municipals Opportunities Fund“Muni Market Tailwinds Turn to Headwinds,” by Peter Hayes and Sean Carney, blackrock.com, April 2, 2020.“Short Term Treasuries Are ‘Overvalued’: BlackRock Muni Bonds Head,” Peter Hayes on “On the Move” video panel, finance.yahoo.com, Sept. 18, 2020.“Stay the Course Amid Market Volatility,” blackrock.com.“Volatility, the Vote and Taking the Long View,” by Tony DeSpirito, blackrock.com, Oct. 12, 2020. Issue Selection“How Munis Can Boost Your Investment Health,” gsam.com, Oct. 5, 2020.“How to Invest in Municipal Bonds,” by Miranda Marquit, forbes.com, July 9, 2020.“Small Investors Ruled the Municipal-Bond World for a few Days in March,” by Heather Gillers, wsj.com, May 7, 2020.“How and Why to Build a Bond Ladder,” fidelity.com, Sept. 17, 2020.“Rising Rates Series: The Ups and Downs of Bond Ladders,” by Karen Schenone, fundsociety.com, June 4, 2018.“2011: The Year 60 Minutes Misled Americans About Municipal Bonds,” by Janet Tavakoli, businessinsider.com, Dec. 30, 2011.

Thousands of supporters of President Donald Trump showed up in an indoor arena Saturday night for a rally that some fear could help fuel nascent spikes of coronavirus cases in some places, concerns that were amplified after six staffers helping to set up the event tested positive for the virus.State and city health department officials were already bracing for a possible surge in COVID-19 cases from large outdoor demonstrations against police brutality held across the country. Now the Trump rally in Tulsa, Oklahoma, shaped up to be the first indoor event of such a massive scale since the coronavirus pandemic took hold and many states issued stay-at-home orders.More than 120,000 Americans have died from the coronavirus.During Saturday's rally, Trump told his supporters the United States has tested 25 million people, far more than any other country. He also told the crowd that more testing leads to finding more positive cases.Trump said that "so I said to my people slow the testing down, please."Officials said they expected 100,000 people from many states to converge on Tulsa for the rally and other events, but thousands of the BOK Center's 19,000 seats were empty for the rally. Supporters — most without masks — and hundreds of protesters filled streets Saturday around the stadium.The Trump campaign's communications director, Tim Murtaugh, said in a statement that "quarantine procedures" were immediately initiated and no staff member who tested positive would attend the event. Those who had immediate contact with them would also abstain.Brian Bernard sported a Trump 2020 hat on Saturday in downtown Tulsa, but no face covering. He said the numbers and media attention on coronavirus are artificially inflated, and that didn't stop him from making a nine-hour drive from his home in Baton Rouge, Louisiana, to attend his second Trump rally."I haven't caught a cold or a flu in probably 15 years, and if I haven't caught a cold or flu yet, I don't think I'm gonna catch COVID," said the 54-year-old from Baton Rouge, Louisiana. "I don't think it's anything worse than the flu."The map of the outbreak in the U.S., and elsewhere, has become a patchwork, with infections falling in some areas and surging in others. In New York, Gov. Andrew Cuomo didn't hold a televised coronavirus briefing for the first time in months Saturday — a sign of progress in the state that was home to the epicenter of the outbreak — though he did convene a conference call to make an announcement about baseball spring training.Other states are seeing increases, and Nevada and Arizona, for instance, have reported record single-day jumps in new cases in recent days.In Tulsa, health department officials have said two large indoor gatherings recently contributed to a spike in new cases. They declined to name the events or say how big they were, but the city has seen the largest increase in infections in Oklahoma in recent days. Several bordering states, including Arkansas, have also seen spikes in community spread of the virus in recent weeks.That is worrying some experts as Tulsa prepares again for Trump's large indoor gathering."I think there's no question that indoor events are more risky than outdoor events. But we don't really know how big that difference is. And certainly other aspects, like how tightly packed things are ... will make a big difference," said Justin Lessler, an associate professor of epidemiology at John Hopkins Bloomberg School of Public Health.Lessler said large events like the rally or the protests have the "potential to be super spreader events," but their potential to drive the pandemic is short-lived."The larger factor is what happens when people go home," he said. "If everybody goes home and doesn't respect the social distancing factors and goes out into the community, then they could push the spread."On its website, the Centers for Disease Control and Prevention recommends that people hoping to attend an event take into...

Thousands of supporters of President Donald Trump showed up in an indoor arena Saturday night for a rally that some fear could help fuel nascent spikes of coronavirus cases in some places, concerns that were amplified after six staffers helping to set up the event tested positive for the virus.State and city health department officials were already bracing for a possible surge in COVID-19 cases from large outdoor demonstrations against police brutality held across the country. Now the Trump rally in Tulsa, Oklahoma, shaped up to be the first indoor event of such a massive scale since the coronavirus pandemic took hold and many states issued stay-at-home orders.More than 120,000 Americans have died from the coronavirus.During Saturday's rally, Trump told his supporters the United States has tested 25 million people, far more than any other country. He also told the crowd that more testing leads to finding more positive cases.Trump said that "so I said to my people slow the testing down, please."Officials said they expected 100,000 people from many states to converge on Tulsa for the rally and other events, but thousands of the BOK Center's 19,000 seats were empty for the rally. Supporters — most without masks — and hundreds of protesters filled streets Saturday around the stadium.The Trump campaign's communications director, Tim Murtaugh, said in a statement that "quarantine procedures" were immediately initiated and no staff member who tested positive would attend the event. Those who had immediate contact with them would also abstain.Brian Bernard sported a Trump 2020 hat on Saturday in downtown Tulsa, but no face covering. He said the numbers and media attention on coronavirus are artificially inflated, and that didn't stop him from making a nine-hour drive from his home in Baton Rouge, Louisiana, to attend his second Trump rally."I haven't caught a cold or a flu in probably 15 years, and if I haven't caught a cold or flu yet, I don't think I'm gonna catch COVID," said the 54-year-old from Baton Rouge, Louisiana. "I don't think it's anything worse than the flu."The map of the outbreak in the U.S., and elsewhere, has become a patchwork, with infections falling in some areas and surging in others. In New York, Gov. Andrew Cuomo didn't hold a televised coronavirus briefing for the first time in months Saturday — a sign of progress in the state that was home to the epicenter of the outbreak — though he did convene a conference call to make an announcement about baseball spring training.Other states are seeing increases, and Nevada and Arizona, for instance, have reported record single-day jumps in new cases in recent days.In Tulsa, health department officials have said two large indoor gatherings recently contributed to a spike in new cases. They declined to name the events or say how big they were, but the city has seen the largest increase in infections in Oklahoma in recent days. Several bordering states, including Arkansas, have also seen spikes in community spread of the virus in recent weeks.That is worrying some experts as Tulsa prepares again for Trump's large indoor gathering."I think there's no question that indoor events are more risky than outdoor events. But we don't really know how big that difference is. And certainly other aspects, like how tightly packed things are ... will make a big difference," said Justin Lessler, an associate professor of epidemiology at John Hopkins Bloomberg School of Public Health.Lessler said large events like the rally or the protests have the "potential to be super spreader events," but their potential to drive the pandemic is short-lived."The larger factor is what happens when people go home," he said. "If everybody goes home and doesn't respect the social distancing factors and goes out into the community, then they could push the spread."On its website, the Centers for Disease Control and Prevention recommends that people hoping to attend an event take into...

Today we have guest Brian Bernard on the show to talk some football and how the Tiktok platform has helped bring awareness his car dealership. We also discuss the effects of Covid-19 and how it could impact the sports world.

In this week’s podcast, we share insights about three funds that have reopened, Mike Hodel examines the communications sector, Brian Bernard analyzes industrials, Christine Benz explains how bonds can still play a pivotal role in your portfolio, Tony Thomas shares surprises from the latest fund flows report, and tax and financial planning specialist Jeff Levine discusses how to improve our tax position.

Brian Murnane had himself a toxic relationship. He talks with Joe about the circumstances that led to what truly was a "rollercoaster of insanity", including  youth, drinking, social class, small town life and good ole low self-esteem. Joe and Brian laugh about their teenage selves and reflect on the changes they made in their lives that has lead to each of them being in long-term, healthy relationships today.  Follow Brian on Instagram @gogbrianbernard Follow Joe on Instagram @flandangerous Follow BTGS on Instagram @badtimesgoodstoriespodcast  Watch this episode @ www.youtube.com/thejoeflanders 

Episode 11 of 603DG is live now wherever you get your podcasts!We found "the other" Brian Bernard, and he is a really cool guy! He loves working hard, being home with friends and family and disc golf, so he built himself a course in his yard so he can enjoy them all together! We talk with Bri about his course, disc golf, and how amazing it is to be a Brian Bernard! We catch up on recent local tournaments we have played in, tournaments upcoming and we welcome our first "sponsor" the new and mysterious disc golf accessory magnate "GOTHRO Products" who seem incredibly eager to cash in on the growing disc golf market by any means necessary!LFDT- nhdiscgolf.orgPlease subscribe to our podcast wherever you get yours so you never miss an episode and make sure to tell some friends about it!Contact the show! Like our Facebook page, follow us on Twitter or send us an email!Facebook: @603DGInstagram: @603DGpodcastTwitter: @603DGpodcastEmail: 603DGpodcast@gmail.com603DG was created and produced by Black Shepherd ProductionsSupport the show (http://603dgpodcast.buzzsprout.com)

This week we talk to Dennis Grzywacz, founder of ACME Disc Golf, and designer of Bellamy Park and Salmon Falls Disc Golf Course in Dover and Rochester, respectively. Dennis talks about how he got into DG, course design, some of the things he loves about DG, and previews the upcoming LFDT event, The Pine Tree Riot on June 15th at Salmon Falls DGC. We talk NH disc golf and our excitement for some upcoming local events as well.We also continue forth on a years long mystery to track down "Brian Bernard From Keene", as I have yet again been confused with this well liked, apparently skilled player. If anyone knows him, tell him to get in touch with us!http://salmonfallsdiscgolfcourse.comhttps://www.facebook.com/Acme-Disc-Golf-1485603805011060LFDT- nhdiscgolf.orgPlease subscribe to our podcast wherever you get yours so you never miss an episode and make sure to tell some friends about it!Contact the show! Like our Facebook page, follow us on Twitter or send us an email!Facebook: @603DGInstagram: @603DGpodcastTwitter: @603DGpodcastEmail: 603DGpodcast@gmail.com603DG was created and produced by Black Shepherd ProductionsSupport the show (http://603dgpodcast.buzzsprout.com)

We all have withered areas in our lives that need to be restored. Jesus broke down the religious walls by healing the man with the withered hand on the sabbath day. Too many Christians live inside the confining walls of condemnation, therefore not walking in the newness of life or the freedom Jesus paid for. Jesus called the man out and into the middle and healed his hand. Jesus has a purpose for your life and wants to restore you out and bring you into the center of His will.

Ps Brian Bernard - God uses whom He chooses by Innerlife Church Tauranga

A policeman interrupts my handing out The Revelations of Jesus Christ on 4th So. and extremely wide artery in SLC, Utah in 1983.  I then received the following letter from the Church attorney, Oscar W. McConkey, shortly after which I was thrown in jail.  So much for Merika, a country that never has obeyed the Constitution, inasmuch they waged war on the Mormons with Johnson's army, slew their Prophet and his brother, outlawed the capstone of their religion, etc, and now the establishment of said obviously communist nation, 'Merika, pay no attention to visions and revelations of the Lord while stubbornly perverting the right way of the Lord, and then they wonder why they are being judged so harshly as a prelude to being destroyed by God!  Amazing!Lying letter:Letter from Oscar W. McConkie, Lawyer forLDS Church and My Reply.Note: This is of the species of lie perpetrated against mefrom the beginning from the father of lies, further of latecarried on by Mills Crenshaw and those of his ilk.October 10, 1983Art Bulla153 Lincoln Avenue, Apt. #6Salt Lake City, Utah 84102Dear Mr. Bulla:Please be advised that this office represents The Church of JesusChrist of Latter-day Saints. This, of course, includes the Institute ofReligion adjacent to the University of Utah in Salt Lake City.Mr. Bulla, you should be aware that the Institute of Religionadjacent to the University of Utah, is private property owned andcontrolled by The Church of Jesus Christ of Latter-day Saints.Persons who come onto the premises do so as invited guests of thesaid Church.This office is advised that you have been specifically requestednot to come on the premises of the Institute of Religion associatedwith the University of Utah. (Blah Blah Blah!)Oscar W. McConkie, Kirton,McConkie and Bushnell

A policeman interrupts my handing out The Revelations of Jesus Christ on 4th So. and extremely wide artery in SLC, Utah in 1983.  I then received the following letter from the Church attorney, Oscar W. McConkey, shortly after which I was thrown in jail.  So much for Merika, a country that never has obeyed the Constitution, inasmuch they waged war on the Mormons with Johnson's army, slew their Prophet and his brother, outlawed the capstone of their religion, etc, and now the establishment of said obviously communist nation, 'Merika, pay no attention to visions and revelations of the Lord while stubbornly perverting the right way of the Lord, and then they wonder why they are being judged so harshly as a prelude to being destroyed by God!  Amazing!Lying letter:Letter from Oscar W. McConkie, Lawyer forLDS Church and My Reply.Note: This is of the species of lie perpetrated against mefrom the beginning from the father of lies, further of latecarried on by Mills Crenshaw and those of his ilk.October 10, 1983Art Bulla153 Lincoln Avenue, Apt. #6Salt Lake City, Utah 84102Dear Mr. Bulla:Please be advised that this office represents The Church of JesusChrist of Latter-day Saints. This, of course, includes the Institute ofReligion adjacent to the University of Utah in Salt Lake City.Mr. Bulla, you should be aware that the Institute of Religionadjacent to the University of Utah, is private property owned andcontrolled by The Church of Jesus Christ of Latter-day Saints.Persons who come onto the premises do so as invited guests of thesaid Church.This office is advised that you have been specifically requestednot to come on the premises of the Institute of Religion associatedwith the University of Utah. (Blah Blah Blah!)Oscar W. McConkie, Kirton,McConkie and Bushnell

A policeman interrupts my handing out The Revelations of Jesus Christ on 4th So. and extremely wide artery in SLC, Utah in 1983.  I then received the following letter from the Church attorney, Oscar W. McConkey, shortly after which I was thrown in jail.  So much for Merika, a country that never has obeyed the Constitution, inasmuch they waged war on the Mormons with Johnson's army, slew their Prophet and his brother, outlawed the capstone of their religion, etc, and now the establishment of said obviously communist nation, 'Merika, pay no attention to visions and revelations of the Lord while stubbornly perverting the right way of the Lord, and then they wonder why they are being judged so harshly as a prelude to being destroyed by God!  Amazing!Lying letter:Letter from Oscar W. McConkie, Lawyer forLDS Church and My Reply.Note: This is of the species of lie perpetrated against mefrom the beginning from the father of lies, further of latecarried on by Mills Crenshaw and those of his ilk.October 10, 1983Art Bulla153 Lincoln Avenue, Apt. #6Salt Lake City, Utah 84102Dear Mr. Bulla:Please be advised that this office represents The Church of JesusChrist of Latter-day Saints. This, of course, includes the Institute ofReligion adjacent to the University of Utah in Salt Lake City.Mr. Bulla, you should be aware that the Institute of Religionadjacent to the University of Utah, is private property owned andcontrolled by The Church of Jesus Christ of Latter-day Saints.Persons who come onto the premises do so as invited guests of thesaid Church.This office is advised that you have been specifically requestednot to come on the premises of the Institute of Religion associatedwith the University of Utah. (Blah Blah Blah!)Oscar W. McConkie, Kirton,McConkie and Bushnell

A policeman interrupts my handing out The Revelations of Jesus Christ on 4th So. and extremely wide artery in SLC, Utah in 1983.  I then received the following letter from the Church attorney, Oscar W. McConkey, shortly after which I was thrown in jail.  So much for Merika, a country that never has obeyed the Constitution, inasmuch they waged war on the Mormons with Johnson's army, slew their Prophet and his brother, outlawed the capstone of their religion, etc, and now the establishment of said obviously communist nation, 'Merika, pay no attention to visions and revelations of the Lord while stubbornly perverting the right way of the Lord, and then they wonder why they are being judged so harshly as a prelude to being destroyed by God!  Amazing!Lying letter:Letter from Oscar W. McConkie, Lawyer forLDS Church and My Reply.Note: This is of the species of lie perpetrated against mefrom the beginning from the father of lies, further of latecarried on by Mills Crenshaw and those of his ilk.October 10, 1983Art Bulla153 Lincoln Avenue, Apt. #6Salt Lake City, Utah 84102Dear Mr. Bulla:Please be advised that this office represents The Church of JesusChrist of Latter-day Saints. This, of course, includes the Institute ofReligion adjacent to the University of Utah in Salt Lake City.Mr. Bulla, you should be aware that the Institute of Religionadjacent to the University of Utah, is private property owned andcontrolled by The Church of Jesus Christ of Latter-day Saints.Persons who come onto the premises do so as invited guests of thesaid Church.This office is advised that you have been specifically requestednot to come on the premises of the Institute of Religion associatedwith the University of Utah. (Blah Blah Blah!)Oscar W. McConkie, Kirton,McConkie and Bushnell