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Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Depressing News0:40 The Funds are Short2:52 Heat Wave4:15 US/China Update5:56 Meal Update7:41 Wheat 8:42 Flash Sales
Our 4th and final “best of” is an episode where we answered a listener question. Ep: 181 Q&A: Reciprocal vs Transactional RelationshipsThis episode is one of the most honest, relatable, and clarifying conversations we've had about how codependency quietly shapes our relationships—and how resentment can be a powerful wake-up call.This one is an invitation to zoom out, take radical ownership, and shift from silently simmering to soulfully relating.Don't forget to follow and subscribe so you never miss an episode. You can also follow along with the show on Instagram, TikTok, and YouTube! And look out for all new episodes of Cheaper than Therapy on August 11! Connect with Vanessa: • Instagram: @vanessasbennett (https://www.instagram.com/vanessasbennett/) • Website: vanessabennett.com • TikTok: @ (https://www.tiktok.com/@thecodayoda)itsvanessabennettConnect with Dené: • Instagram: @dene.logan (https://www.instagram.com/dene.logan/) • Website: denelogan.com • TikTok: @denelogan (https://www.tiktok.com/@denelogan)Again, don't forget to subscribe so you never miss an episode! If you're interested in being one of our live anonymous coaching episodes, you can apply at the link in the show notes.And follow or subscribe to our IG, TT or YouTube.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
On Tap: The Takis era, nacho cheese desert, the Tesla Diner and 1950's food.The closing tune is performed by Allison Bishop - find her at https://www.allisonbishopmusic.com/ Hosted on Acast. See acast.com/privacy for more information.
Send me a messageIn this episode of Climate Confident, I spoke with Ori Shaashua, Co-founder and CCO of Gigablue, a marine carbon dioxide removal (mCDR) company taking a radically scalable approach to the carbon challenge.Gigablue's MCFS (Marine Carbon Fixation and Sequestration) method taps into the ocean's natural carbon cycle by cultivating phytoplankton in floating substrates and using gravity, not high-energy processes, to sink captured CO₂ to deep-sea sediment for thousands of years. It's a low-energy, high-durability method that's already secured the largest ocean carbon removal offtake to date.We unpack why mCDR matters, how it compares to nature-based and tech-heavy CDR approaches, and what makes ocean deserts, like those off the coast of New Zealand, ideal sites for safe and measurable sequestration. Ori also outlines their scale-up pathway: from kiloton removals today to multi-megaton capacity by 2029, and potentially gigaton-level by 2035.We dive into the mechanics of traceability, the real costs of permanence, and why MRV (Measurement, Reporting, and Verification) is the make-or-break for CDR credibility. Ori also pulls no punches on what's holding back progress: delayed regulation, weak compliance markets, and over-reliance on short-term carbon offsets.If your company is thinking seriously about durable net zero strategies, or wondering how ocean-based carbon removal fits into the climate tech landscape, this episode delivers real insight.
91% of newly built renewable energy projects—especially solar and onshore wind farms—were already cheaper than new fossil fuel power plants
Grocery prices are high. Use ChatGPT to find rip-offs, stack coupons, and save big! Learn more about your ad choices. Visit megaphone.fm/adchoices
Our next ‘best of' episode was episode 192: Men's “Clarity” After Sex. This conversation cracked open a raw, honest, and often unspoken exploration of modern relationships, intimacy, and how patriarchal conditioning impacts us all—especially around sex.If you've ever wondered why sex sometimes feels more disconnecting than connecting, or you're longing for a deeper conversation about emotional safety, sexual shame, and sacred union—this one will stay with you.Over the next 4 weeks, we're re-airing some of our favorite episodes to gear you all up for what's to come. Don't forget to follow and subscribe so you never miss an episode. You can also follow along with the show on Instagram, TikTok, and YouTube! And look out for all new episodes of Cheaper than Therapy on August 11! Connect with Vanessa:Instagram: @vanessasbennettWebsite: vanessabennett.comTikTok: @itsvanessabennettConnect with Dené:Instagram: @dene.loganWebsite: denelogan.comTikTok: @denelogan------------------------------------------------------------------------------------------------------See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Welcome to the 9News podcast. A snapshot of the latest stories from the9News team including Outback wrangler pleads not guilty over fatal crash, Cheaper medicines for millions of Australians and Alex De Minaur crowned champion in Washington. The biggest news stories in less than 10 minutes delivered three times a day,with reports from the 9News team across Australia and overseas. Subscribenow to make it part of your daily news diet.See omnystudio.com/listener for privacy information.
Kyle Robert and Brian Twining get you set for the Brickyard 400 as NASCAR tackles Indianapolis Motor Speedway. The guys run through every driver on DraftKings to break down their favorite targets and fades for this weeks NASCAR DFS slate! Then they build three GPP lineups for the race. For more of our favorite bets and the full card make sure you are subscribed to the completely FREE Newsletter! It can be found at aoppodcast.substack.comAs a reminder, check out our friends over at GridRival and use code AOP25 for a 100% match deposit up to $100.00:00 Intro04:39 Brickyard 400 High priced options11:16 Brickyard 400 Mid pack options17:30 Brickyard 400 Cheaper options23:06 Brickyard 400 GPP lineups32:42 Brickyard 400 Updated Odds
Ryan Darmanin explains the new changes to the MPRP, including fee alterations and provisions allowing investors to rent out their properties.View the full article here.Subscribe to the IMI Daily newsletter here.
In this special compilation of AI and the Future of Work, we spotlight four unicorn CEOs who've disrupted entire industries using artificial intelligence—while building cultures of urgency, resilience, and relentless innovation.From scrappy beginnings to billion-dollar valuations, each founder shares what it really takes to build and scale in the AI era.Featured Guests:Wade Foster, Co-founder & CEO of Zapier - Listen to the full conversation: https://www.buzzsprout.com/520474/episodes/14202937 Jonathan Siddharth, CEO of Turing - Listen to the full conversation: https://www.buzzsprout.com/520474/episodes/15084162 May Habib, Co-founder & CEO of Writer - Listen to the full conversation: https://www.buzzsprout.com/520474/episodes/13598374 Arvind Jain, Co-founder & CEO of Glean - Listen to the full conversation: https://www.buzzsprout.com/520474/episodes/12239379 You'll learn:How successful founders turn early user feedback into fast growthWhy operating with urgency can be a competitive advantage in techWhat mindset shifts are needed to scale from startup to enterpriseHow to lead through uncertainty, doubt, and high-pressure decisionsThe role of resilience and focus in long-term company buildingWhy empowering teams and simplifying execution drives innovationWhether you're building the next unicorn or leading change within your team, this episode is your behind-the-scenes pass to the mindset, strategy, and grit it takes to win.—Inspired by something in this episode? Share your favorite insight on social and tag us. And don't forget to subscribe for more conversations with the leaders shaping the future of work.Other special compilation episodes:Ethical AI in Hiring: How to Stay Compliant While Building a Fairer Future of Work (HR Day Special Episode)Data Privacy Day Special Episode: AI, Deepfakes & The Future of TrustThe Future of AI Ethics Special: Perspectives from Women Leaders in AI on Bias, Accountability & TrustWorld Health Day Special: How AI Is Making Healthcare Smarter, Cheaper, and KinderAI and Safety: How Responsible Tech Leaders Build Trustworthy Systems (National Safety Month Special)
Jordan Barab joinED to talk about attacks on worker safety protections, and David Allen, a UPS Teamster, joinED to talk about the buyouts.✦ ABOUT ✦The Valley Labor Report is the only union talk radio show in Alabama, elevating struggles for justice and fairness on the job, educating folks about how they can do the same, and bringing relevant news to workers in Alabama and beyond.Our single largest source of revenue *is our listeners* so your support really matters and helps us stay on the air!Make a one time donation or become a monthly donor on our website or patreon:TVLR.FMPatreon.com/thevalleylaborreportVisit our official website for more info on the show, membership, our sponsors, merch, and more: https://www.tvlr.fmFollow TVLR on Facebook: https://www.facebook.com/TheValleyLab...Follow TVLR on Twitter: @LaborReportersFollow Jacob on Twitter: @JacobM_ALFollow TVLR Co-Creator David Story on Twitter: @RadiclUnionist✦ CONTACT US ✦Our phone number is 844-899-TVLR (8857), call or text us live on air, or leave us a voicemail and we might play it during the show!✦ OUR ADVERTISERS KEEP US ON THE AIR! ✦Support them if you can.The attorneys at MAPLES, TUCKER, AND JACOB fight for working people. Let them represent you in your workplace injury claim. Mtandj.com; (855) 617-9333The MACHINISTS UNION represents workers in several industries including healthcare, the defense industry, woodworking, and more. iamaw44.org (256) 286-3704 / organize@iamaw44.orgDo you need good union laborers on your construction site, or do you want a union construction job? Reach out to the IRONWORKERS LOCAL 477. Ironworkers477.org 256-383-3334 (Jeb Miles) / local477@bellsouth.netThe NORTH ALABAMA DSA is looking for folks to work for a better North Alabama, fighting for liberty and justice for all. Contact / Join: DSANorthAlabama@gmail.comIBEW LOCAL 136 is a group of over 900 electricians and electrical workers providing our area with the finest workforce in the construction industry. You belong here. ibew136.org Contact: (205) 833-0909IFPTE - We are engineers, scientists, nonprofit employees, technicians, lawyers, and many other professions who have joined together to have a greater voice in our careers. With over 80,000 members spread across the U.S. and Canada, we invite you and your colleagues to consider the benefits of engaging in collective bargaining. IFPTE.org Contact: (202) 239-4880THE HUNTSVILLE INDUSTRIAL WORKERS OF THE WORLD is a union open to any and all working people. Call or email them today to begin organizing your workplace - wherever it is. On the Web: https://hsviww.org/ Contact: (256) 651-6707 / organize@hsviww.orgENERGY ALABAMA is accelerating Alabama's transition to sustainable energy. We are a nonprofit membership-based organization that has advocated for clean energy in Alabama since 2014. Our work is based on three pillars: education, advocacy, and technical assistance. Energy Alabama on the Web: https://alcse.org/ Contact: (256) 812-1431 / dtait@energyalabama.orgThe Retail, Wholesale and Department Store Union represents in a wide range of industries, including but not limited to retail, grocery stores, poultry processing, dairy processing, cereal processing, soda bottlers, bakeries, health care, hotels, manufacturing, public sector workers like crossing guards, sanitation, and highway workers, warehouses, building services, and distribution. Learn more at RWDSU.infoThe American Federation of Government Employees (AFGE) is the largest federal employee union proudly representing 700,000 federal and D.C. government workers nationwide and overseas. Learn more at AFGE.orgAre you looking for a better future, a career that can have you set for life, and to be a part of something that's bigger than yourself? Consider a skilled trades apprenticeship with the International Union of Painters and Allied Trades. Learn more at IUPAT.orgUnionly is a union-focused company created specifically to support organized labor. We believe that providing online payments should be simple, safe, and secure. Visit https://unionly.io/ to learn more.Hometown Action envisions inclusive, revitalized, and sustainable communities built through multiracial working class organizing and leadership development at the local and state level to create opportunities for all people to thrive. Learn more at hometownaction.orgMembers of IBEW have some of the best wages and benefits in North Alabama. Find out more and join their team at ibew558.org ★ Support this podcast on Patreon ★
WHAT YOU NEED TO KNOWA signed Letter of Intent with the world's largest fumed silica producer highlights industry confidence and commercial interestInterest from additional potential partners is growingPhase 2 testing begins in August, with expectations of producing commercial-grade material in just one or two production runsDiscussions around long-term offtake agreements are expected to accelerate once consistent commercial-grade output is achievedDISRUPTING A LEGACY INDUSTRYHPQ Silicon is advancing a breakthrough process for manufacturing fumed silica, an essential material used in cosmetics, toothpaste, food additives, and industrial products. Traditional production methods, unchanged since 1944, are costly, fossil-fuel intensive, and environmentally harmful. HPQ's proprietary approach promises a cleaner, more efficient, and potentially superior alternative.INDEPENDENT ANALYSIS CONFIRMS PROGRESSRecent production tests delivered a major leap forward, validated by independent analysis from a lab serving global fumed silica manufacturers. These results confirm HPQ's material is within reach of commercial-grade output.“Independent analysis confirms we are very close to commercial-grade material. It's not just progress—it's a leap forward,” said Bernard Tourillon, CEO of HPQ Silicon.BEYOND FUMED SILICADespite a share price not yet reflecting these milestones—due largely to external market factors—HPQ continues to advance multiple projects, including next-generation battery technologies and hydrogen initiatives, expanding its portfolio of clean technology solutions.OUTLOOKHPQ is on the verge of commercial viability for its fumed silica process while setting its sights on exceeding conventional product performance. With validated results, growing strategic interest, and additional clean energy initiatives, HPQ is well positioned for accelerated commercialization and long-term growth.Watch the full interview to hear how HPQ plans to capitalize on this momentum and drive shareholder value.
SMALL BUSINESS FINANCE– Business Tax, Financial Basics, Money Mindset, Tax Deductions
Good news: the tax code just made business debt far more valuable. In this episode, we explain how the permanent return to EBITDA rules can give you thousands back in interest deductions—and unlock smarter growth strategies. You'll learn how to combine bonus depreciation, Section 179, and the new interest deduction rules to scale your business fast, without overpaying in taxes. We also walk through real examples and show you how to integrate debt into your long-term tax planning. If you're funding expansion, buying equipment, or carrying interest from past years—this one's for you. Next Steps:
Ep 188: BEST-OF: What Does My Inner Child Need?Our 2nd “best of” is one of our live coaching episodes. We dive into: what codependency and anxious attachment often look in real life—and why they're so hard to untangle a roadmap for staying with discomfort instead of outsourcing soothing—without shame.Over the next 4 weeks, we're re-airing some of our favorite episodes to gear you all up for what's to come. Don't forget to follow and subscribe so you never miss an episode. You can also follow along with the show on Instagram, TikTok, and YouTube! And look out for all new episodes of Cheaper than Therapy on August 11! Connect with Vanessa: Instagram: @vanessasbennett Website: vanessabennett.com TikTok: @itsvanessabennett Connect with Dené: Instagram: @dene.logan Website: denelogan.com TikTok: @denelogan ------------------------------------------------------------------------------------------------------ Hosted on Acast. See acast.com/privacy for more information.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Do you tell the manager or take the good deal and run!
Man at a Publix when and empty the meat section when he saw steaks mislabeled as pork for 6 bucks!
Maura Fay, RTÉ Reporter
Kyle Robert and Brian Twining get you set for the Autotrader EchoPark 400 as NASCAR battles the Monster Mile. The guys run through every driver on DraftKings to break down their favorite targets and fades for this weeks NASCAR DFS slate! Then they build three GPP lineups for the race. For more of our favorite bets and the full card make sure you are subscribed to the completely FREE Newsletter! It can be found at aoppodcast.substack.comAs a reminder, check out our friends over at GridRival and use code AOP25 for a 100% match deposit up to $100.00:00 Intro04:39 Autotrader EchoPark 400 High priced options19:01 Autotrader EchoPark 400 Mid pack options24:30 Autotrader EchoPark 400 Cheaper options27:26 Autotrader EchoPark 400 GPP lineups37:27 Autotrader EchoPark 400 Updated Odds
#504 Want to scale your business faster without breaking the bank? In this episode, host Brien Gearin dives into the topic of leveraging overseas talent with guest Brian O'Connor, founder of TalentHQ. As a digital nomad with extensive experience hiring and working with Latin American professionals, Brian shares insights on how businesses can effectively expand their teams by hiring skilled talent from abroad. They discuss the myths surrounding offshore hiring, the importance of quality onboarding and communication, and how hiring from Latin America offers a unique combination of affordability and top-tier support. Whether you're looking to scale your business or optimize your operations, this episode provides actionable advice on building a remote team that aligns with your company culture and goals. (Original Air Date - 10/30/24) What we discuss with Brian: + Debunking offshore talent myths + Benefits of Latin American talent + Importance of onboarding and communication + Cultural differences in remote work + Cost efficiency and quality balance + Relationship building vs. transactional focus + Specialized roles and vetting process + Remote flexibility and communication + High-leverage hiring strategies + Time zone alignment with the U.S. Thank you, Brian! Check out TalentHQ at TalentHQ.co. Download Brian's Onboarding Guide. Subscribe to Brian's newsletter at OutlierGrowth.com. Watch the video podcast of this episode! To get access to our FREE Business Training course go to MillionaireUniversity.com/training. And follow us on: Instagram Facebook Tik Tok Youtube Twitter To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Want to hear from more incredible entrepreneurs? Check out all of our interviews here! Learn more about your ad choices. Visit megaphone.fm/adchoices
Start Dreaming Up YOUR Barndominium: https://www.thebarndominiumco.comIn today's video we give you a CLEAR answer to the question..."Are Barndominiums ACTUALLY Cheaper than a Traditional Home??"FAQ VIDEO: https://youtu.be/SH5JDAOG_2YFollow TJ on all socials:@iamtjnorris______________________________________________________________________The Barndo Co builds custom Barndos all around the Southeast US. If you are considering building a barndominium, schedule a call with us today - https://thebarndominiumco.com/contact/Connect with us at:https://www.facebook.com/thebarndominiumco/https://www.instagram.com/barndoco/https://soundcloud.com/thebarndocohttps://www.crunchbase.com/organization/barndo-cohttps://maps.apple.com/place?auid=15697825905394762793https://www.inc.com/profile/the-barndo-cohttps://www.pinterest.com/barndoco/https://www.linkedin.com/company/barndominium/#barndominiums #barndo #podcast
Con Hristodoulidis from the Clean Energy Council on how the federal home battery rebate is doing, two weeks in, and what comes next in the consumer energy revolution. Plus news of the week.
Can you help me make more podcasts? Consider supporting me on Patreon as the service is 100% funded by you: https://EVne.ws/patreon You can read all the latest news on the blog here: https://EVne.ws/blog Subscribe for free and listen to the podcast on audio platforms: ➤ Apple: https://EVne.ws/apple ➤ YouTube Music: https://EVne.ws/youtubemusic ➤ Spotify: https://EVne.ws/spotify ➤ TuneIn: https://EVne.ws/tunein ➤ iHeart: https://EVne.ws/iheart MERCEDES-BENZ UNVEILS ELECTRIC CLA SHOOTING BRAKE https://evne.ws/466utVS RANGE ROVER ELECTRIC PROTOTYPE DRIVE YIELDS MORE DETAILS https://evne.ws/4lpi8AQ GM TO PRODUCE LFP BATTERIES IN TENNESSEE PLANT https://evne.ws/44T0rCJ VOLKSWAGEN ID.4 TO GET MAJOR REDESIGN https://evne.ws/46bU3ZJ TEST FINDS VW ID.3 BATTERY RETAINS 91% CAPACITY AFTER 160,000 KM https://evne.ws/44vY8qj LUCID CEO LINKS TARIFFS TO RISING COSTS DURING PANASONIC BATTERY FACTORY VISIT https://evne.ws/454vPzs LUCID AIR TO RECEIVE HANDS-FREE DRIVING UPDATE https://evne.ws/3GJCmGv US EV SALES DIP IN Q2, USED MARKET SURGES https://evne.ws/44NpVS5 GLOBAL EV SALES RISE, LED BY CHINA https://evne.ws/4eOmE9v TESLA FACES TRIAL OVER FATAL AUTOPILOT CRASH IN MIAMI https://evne.ws/4eV4dQH MERCEDES-BENZ AND POWERX LAUNCH HIGH-SPEED EV CHARGING HUB https://evne.ws/3GRyIKy ROWLAND CLINCHES EARLY FORMULA E TITLE https://evne.ws/46d0nQG FORD SUPERTRUCK WINS 2024 GOODWOOD SHOOTOUT https://evne.ws/4ePtsUt
Strap in for a brutally honest conversation as Jaryd Krause sits down with none other than Elliot Holland, a Harvard Business School alum, seasoned entrepreneur, and strategic founder. Elliot runs a seven-figure due diligence firm that performs "mini audits" on businesses, helping investors avoid being misled by clever sellers and slick brokers. With nearly 20 years of experience in small business acquisitions, Elliot has seen it all—and then some. From hidden red flags in financials to smoke-and-mirrors marketing metrics on Amazon and SEO-driven sites, he shares exactly where buyers get it wrong—and how those mistakes can cost you hundreds of thousands, or worse, your entire investment. This episode will pull back the curtain on how unsuspecting buyers get swindled into buying dud deals, all because they skipped real due diligence. Highlight the critical considerations buyers often miss in the acquisition process: ✔️ The most common (and costly) mistakes buyers make in due diligence✔️ Why relationships with sellers matter—and how they can go sideways fast✔️ How sellers can mislead or manipulate the narrative to close a deal✔️ Financial vs. marketing due diligence—what most acquirers overlook✔️ The frameworks Elliot uses to assess businesses like an expert This is not just theory—Elliot has personally helped countless clients dodge bad deals and secure multi-million-dollar wins, all by demystifying the due diligence process. With his signature humor, straight talk, and lived experience, he makes complex business buying principles not only clear but actionable. Whether you're a first-time acquirer or scaling your portfolio, this episode will save you more than money—it could save your sanity. Don’t even think about buying a business until you listen to this conversation. Episode Highlights 04:15 – Red flags usually show as many small issues rather than one big problem 10:30 – Verifying seller’s time commitment by reviewing task lists and holding strategy meetings 18:45 – Wanting shortcuts in due diligence can lead to costly mistakes 23:00 – Sellers often resist reasonable buyer requests like strong non-competes and management interviews 26:10 – Negotiation is a strategic dance where sellers test buyer strength 29:15 – Cheaper advisors often bring higher risks and lower value on seven-figure deals Key Takeaways ➥ Red flags are subtle and require a sharp, skeptical mindset to detect ➥ Sellers use stories and distractions instead of admitting flaws outright ➥ Due diligence takes time and can be uncomfortable but shortcuts are costly ➥ Experienced advisors are critical for high-value deals to avoid disaster ➥ Buyers need to be ready to walk away if sellers are not transparent or cooperative ➥ Emotional detachment helps buyers make better decisions and negotiate smarter About Elliot Holland Elliott Holland is a Harvard Business School alum, former business acquirer & OG in small business acquisitions. He runs TheBusinessBuyingMasterclass.com and a 7-figure business that does "mini audits" on businesses before clients acquire them to be sure they're not swindled. With nearly two decades of experience, Elliott empowers everyday investors to acquire million-dollar businesses because he's been in their shoes and offers insight others cannot. Elliott simplifies complex small business buying concepts with humor so that everyday investors can understand. With over 100 podcast appearances and speaking engagements at top business schools, Elliott shares expertise on entrepreneurship, investing, and business buying. Connect with Elliot Holland ➥ https://www.linkedin.com/in/elliottholland/ Resource Links ➥ Buying Online Businesses Website - https://buyingonlinebusinesses.com ➥ Sell your business to us here - https://buyingonlinebusinesses.com/sell-your-business/ ➥ Download the Due Diligence Framework - https://buyingonlinebusinesses.com/freeresources/ ➥ Google Ads Service - https://buyingonlinebusinesses.com/ads-services/ ➥ Connect with Jaryd here - https://www.linkedin.com/in/jarydkrause ➥ Site Ground (Website Hosting) - https://bit.ly/3JBEC1u ➥ Link Whisper (SEO tool for internal linking on websites) - https://bit.ly/3l7K7Ld ➥ Active Campaign (Email Software Provider) - https://bit.ly/3DCwYQH
Big power retailers are being forced into offering cheaper prices in off peak hours. Meridian Energy chief customer officer Lisa Hannifin spoke to Corin Dann.
Sarah Bartnicka is a writer and editor based in Toronto Learn more about your ad choices. Visit megaphone.fm/adchoices
In this 2A Tuesday segment, Marc breaks down major wins for gun owners buried in the “Big Beautiful Bill,” including the elimination of the $200 tax stamp on suppressors starting January 1. Congressman Eric Burlison fought to cut outdated restrictions, and Dan Green from The Range St. Louis West joined to highlight a new giveaway—listeners can win $300 off a suppressor and have the tax stamp covered. Marc and Dan explain the practical benefits of suppressors, from protecting hearing to improving accuracy, while laughing off Hollywood's myth of silent assassins. Things get even livelier as Kim unloads on destructive squirrels chewing up her new siding and patio furniture, leading to a spirited debate about backyard pest control. Suppressors, 2A rights, and squirrel rage—it's the kind of segment that makes Tuesday great again.
With the Chancellor set to make a keynote speech to the City at Mansion House - are her fiscal rules as iron clad as we thought? Sky News' Sam Coates and Politico's Anne McElvoy explore what options are on the table for Rachel Reeves to fill the large black hole in the public finances. Across the pond, Donald Trump says he “likes” Keir Starmer, even though “he's a liberal” - as he puts pressure on Vladimir Putin to sign a ceasefire agreement. Plus, the government pushes a new scheme to promote the purchase of electric cars, but it will make a difference?
RBI Governor Sanjay Malhotra tells CNBC that rate cuts are still possible on a neutral stance. In another Moneycontrol exclusive, Glenmark Pharma's Chairman Glenn Saldanha says Indian companies should compete on innovation after the drug maker's deal with AbbVie. Find out what Tesla's more affordable Model Y range will entail and learn how headlines about inflation's six-year-low milestone misses the full picture.
Over the next 4 weeks, we're re-airing some of our favorite episodes to gear you all up for what's to come. This conversation with Danny Morel was one of our absolute favorites. We sat down with Danny to talk about -reframing love, attachment, partnership and forgiveness. This episode was a profound exploration of what will be required to heal collective wounds between men and women.Don't forget to follow and subscribe so you never miss an episode. You can also follow along with the show on Instagram, TikTok, and YouTube! And look out for all new episodes of Cheaper than Therapy on August 11! Connect with Vanessa:Instagram: @vanessasbennettWebsite: vanessabennett.comTikTok: @itsvanessabennettConnect with Dené:Instagram: @dene.loganWebsite: denelogan.comTikTok: @denelogan------------------------------------------------------------------------------------------------------ Hosted on Acast. See acast.com/privacy for more information.
To deal with the growing opposition, the government resolved to commit to HS2 by way of a hybrid bill, which would open up opportunities for local communities to object to the route. The original design became mired in hundreds of expensive mitigations, compromises and compensations. Cheaper above ground sections were replaced by costly tunnels. Cuttings and sound barriers began to line huge parts of the route. The project was progressing, but it would have to pay the piper before long. Presenter: Kate Lamble Producer: Robert Nicholson Executive Producer: Will Yates Sound Design and Mix: Arlie Adlington A Whistledown production for BBC Radio 4
Kyle Robert and Brian Twining get you set for the Toyota/Save Mart 350 as NASCAR takes on wine country. The guys run through every driver on DraftKings to break down their favorite targets and fades for this weeks NASCAR DFS slate! Then they build three GPP lineups for the race. For more of our favorite bets and the full card make sure you are subscribed to the completely FREE Newsletter! It can be found at aoppodcast.substack.comAs a reminder, check out our friends over at GridRival and use code AOP25 for a 100% match deposit up to $100.00:00 Intro02:28 Toyota/Save Mart 350 High priced options09:48 Toyota/Save Mart 350 Mid pack options13:56 Toyota/Save Mart 350 Cheaper options19:58 Toyota/Save Mart 350 GPP lineups31:10 Toyota/Save Mart 350 Updated Odds
It's the return of the ZappaCast!! And what an incredible treat we have for you! In this episode, we do a DEEP DISH dive into the new Frank Zappa album and film, CHEAPER THAN CHEEP! A virtually unheard of gem seeing the light of day from the Zappa Vault for the first time, Cheaper Than Cheep consists of performance material from a video shoot that Frank and the Mothers performed at for a television special that never materialized. Needless to say, this is MEGA! Vaultmeister Joe takes us behind the scenes of the making of this amazing project, which is a true gift to Zappa fans everywhere and a loving testament to an unbelievably great and unique Mothers lineup!
Stav, Abby & Matt Catch Up - hit105 Brisbane - Stav Davidson, Abby Coleman & Matty Acton
Adult Tantrums
Chuck Zodda and Marc Fandetti discuss two Kevins battling to be the next Fed Chair. Home sellers have gotten tired of cutting prices. Many are yanking their houses of the market. Americans are eating cheaper. What does that mean for the economy? Why carmakers need to bring back buttons. Trump sends more letters dictating high tariff rates around the world.
From the office to the job sites, AI is rapidly changing the construction industry just as any other. The newly developed AI tools currently available can help you to process data from variety of sources, providing you with insights to make smart decisions. One crucial piece of information everyone should remember is that AI is not magic; it needs to be provided with clean, accurate information and skilled prompting to deliver a decent output. Leaders can't just adopt AI; they must experiment, learn, and lead by example. Whether you're planning on using generative AI to think through problems and gather information or agentic AI to automate tasks, having a deep understanding of tools like these will be of immense help to the future of construction. In this week's solo episode, Eric discusses how leading multi-billion-dollar companies like Amazon are way ahead of the game by using AI. He reads us the message from Amazon CEO Andy Jassy to their employees about Amazon's extensive use of AI. Eric dives into the following topics regarding the AI adoption in construction throughout the discussion: the importance of understanding the right kind of tool for the right kind of task, the distinction between generative AI and agentic AI, challenges in AI implementation, the importance of leading by example, practical steps for AI adoption, working with the right people with the right mindset, and more. HIGHLIGHTS [02:50] Understanding the right kind of tool for the right kind of task. [07:04] The distinction between multimodal AI and agentic AI. [09:22] Build, outsource, or a combination of AI models and agents. [10:20] Challenges in AI implementation. [11:43] Leading by example. [13:41] Practical steps for AI adoption. [18:10] Find and work with the people who want to be open about adopting AI. KEY TAKEAWAYS Understand what your tools can and cannot provide. Know the difference between a multimodal AI and an agentic AI. Go ahead by getting curious. Learn how to use or build the right AI agent now. Regularly check the quality of the data you're generating. Take small steps, learn what works, and grow from there. Get hands-on with AI tools and learn how to give them clear, focused instructions. RESOURCES Message from CEO Andy Jassy: Some thoughts on Generative AI aboutamazon.com/news/company-news/amazon-ceo-andy-jassy-on-generative-ai Construction Genius Podcast Episodes on AI: AI Without the B.S.: Sharpen Proposals, Cut Rework, Win More Work: https://www.constructiongenius.com/ai-without-the-b.s.-sharpen-proposals-cut-rework-win-more-work-fast-ep-327 When Information is Free, Vision is Priceless—AI and the Future of Construction Leadership https://www.constructiongenius.com/when-information-is-free-vision-is-priceless-ai-and-the-future-of-construction-leadership-ep-321 From Bad Plans to Brilliant Builds: Practical Applications of AI in Construction https://www.constructiongenius.com/from-bad-plans-to-brilliant-builds-practical-applications-of-ai-in-construction-ep-331 90-Day High-Performance Dashboard You can't afford to let your people drift. To drive real performance, you must coach with clarity and purpose. Use the 90-Day High-Performance Dashboard to: Get clear on what matters most. Drive focused action and accountability. Strengthen trust and deepen relationships. Success doesn't happen by accident. It happens when leaders coach with precision and consistency. Download the 90-Day High-Performance Dashboard here: https://www.constructiongenius.com/high-performance-in-a-new-role Coach your team toward real results — one conversation at a time. Resources to Help You Win in Construction
News includes LiveDebugger v0.3.0 with enhanced debugging capabilities for Phoenix LiveView including redirect following and dead process state browsing, Oban 1.6 featuring sub-workflows and cascading workflows, YOLO v0.2.0 bringing YOLOX support for faster image detection in Elixir, a discussion on the importance of testing and how AI tools are making test creation easier, helpful LiveView tips for opening unique URLs in new tabs, and progress updates on the new Expert LSP project for improved Elixir language server capabilities, and more! Show Notes online - http://podcast.thinkingelixir.com/260 (http://podcast.thinkingelixir.com/260) Elixir Community News https://www.honeybadger.io/ (https://www.honeybadger.io/utm_source=thinkingelixir&utm_medium=podcast) – Honeybadger.io is sponsoring today's show! Keep your apps healthy and your customers happy with Honeybadger! It's free to get started, and setup takes less than five minutes. https://bsky.app/profile/membrane-swmansion.bsky.social/post/3lsgrudmtgk2u (https://bsky.app/profile/membrane-swmansion.bsky.social/post/3lsgrudmtgk2u?utm_source=thinkingelixir&utm_medium=shownotes) – LiveDebugger v0.3.0 release announcement on BlueSky https://github.com/software-mansion/live-debugger (https://github.com/software-mansion/live-debugger?utm_source=thinkingelixir&utm_medium=shownotes) – LiveDebugger GitHub repository - browser-based tool for debugging Phoenix LiveView applications https://bsky.app/profile/oban.pro/post/3lstnmlzd7226 (https://bsky.app/profile/oban.pro/post/3lstnmlzd7226?utm_source=thinkingelixir&utm_medium=shownotes) – Oban 1.6 release announcement on BlueSky https://oban.pro/docs/pro/1.6.0/changelog.html (https://oban.pro/docs/pro/1.6.0/changelog.html?utm_source=thinkingelixir&utm_medium=shownotes) – Oban 1.6 changelog with sub-workflows, cascading workflows, grafting, and more features https://github.com/poeticoding/yolo_elixir (https://github.com/poeticoding/yolo_elixir?utm_source=thinkingelixir&utm_medium=shownotes) – YOLO v0.2.0 GitHub repository - image detection library for Elixir https://www.poeticoding.com/elixir-yolo-v0-2-0-yolox-support-custom-models-and-performance-boost/ (https://www.poeticoding.com/elixir-yolo-v0-2-0-yolox-support-custom-models-and-performance-boost/?utm_source=thinkingelixir&utm_medium=shownotes) – Blog post about YOLO v0.2.0 major release with YOLOX support https://github.com/poeticoding/yolo_elixir/releases/tag/0.2.0 (https://github.com/poeticoding/yolo_elixir/releases/tag/0.2.0?utm_source=thinkingelixir&utm_medium=shownotes) – YOLO v0.2.0 release notes https://bsky.app/profile/germsvel.com/post/3lslzsazcys2r (https://bsky.app/profile/germsvel.com/post/3lslzsazcys2r?utm_source=thinkingelixir&utm_medium=shownotes) – German Velasco's BlueSky post about the importance of testing https://www.germanvelasco.com/blog/why-we-test (https://www.germanvelasco.com/blog/why-we-test?utm_source=thinkingelixir&utm_medium=shownotes) – Blog post by German Velasco on why we test and the benefits of automated testing https://x.com/philipbrown/status/1939630205875663017 (https://x.com/philipbrown/status/1939630205875663017?utm_source=thinkingelixir&utm_medium=shownotes) – Philip Brown's Twitter tip about generating unique URLs from LiveView that open in new tabs https://expert-lsp.org/ (https://expert-lsp.org/?utm_source=thinkingelixir&utm_medium=shownotes) – Expert LSP project website placeholder for the new Elixir Language Server https://bsky.app/profile/expert-lsp.org/post/3lsqragb4ns23 (https://bsky.app/profile/expert-lsp.org/post/3lsqragb4ns23?utm_source=thinkingelixir&utm_medium=shownotes) – Expert LSP BlueSky account first teaser post about the new Elixir Language Server project Do you have some Elixir news to share? Tell us at @ThinkingElixir (https://twitter.com/ThinkingElixir) or email at show@thinkingelixir.com (mailto:show@thinkingelixir.com) Find us online - Message the show - Bluesky (https://bsky.app/profile/thinkingelixir.com) - Message the show - X (https://x.com/ThinkingElixir) - Message the show on Fediverse - @ThinkingElixir@genserver.social (https://genserver.social/ThinkingElixir) - Email the show - show@thinkingelixir.com (mailto:show@thinkingelixir.com) - Mark Ericksen on X - @brainlid (https://x.com/brainlid) - Mark Ericksen on Bluesky - @brainlid.bsky.social (https://bsky.app/profile/brainlid.bsky.social) - Mark Ericksen on Fediverse - @brainlid@genserver.social (https://genserver.social/brainlid) - David Bernheisel on Bluesky - @david.bernheisel.com (https://bsky.app/profile/david.bernheisel.com) - David Bernheisel on Fediverse - @dbern@genserver.social (https://genserver.social/dbern)
In today's episode, Rob Hango-Zada, Co-Founder and CEO of Shippit, joins Nathan Bush to share valuable insights from the 2025 State of Shipping Report, a must-read for any ecommerce operator who's serious about scaling smart. In this fun but meaty chat, Rob and Bushy dive into the shifting economics of delivery: why same-day is getting cheaper, why free returns are disappearing, and why internal culture might be the biggest differentiator in ecommerce right now. It's the shipping report that reads like a footy stats page, and Rob breaks it down with all the analogies and none of the fluff.Download here the 2025 State of Shipping Report, packed with insights from 3,000 retail websites, delivery benchmarks, and case studies from some of the best in the biz. Grab it, steal a few slides for your next board meeting, and see how your brand stacks up.Want to keep the conversation going? Join the Add To Cart Community and connect with hundreds of retail pros tackling the same challenges as you.About your guest:Rob Hango-Zada is the Co-Founder and CEO of Shippit, Australia's leading ecommerce logistics platform powering smarter delivery for over 40,000 retailers. With a background at Procter & Gamble and a passion for operational efficiency, Rob co-launched Shippit in 2014 to solve one of ecommerce's biggest pain points: delivery.About your host:Nathan Bush is the host of the Add To Cart Podcast and a leading ecommerce transformation consultant. He has led eCommerce for businesses with revenue $100m+ and has been recognised as one of Australia's Top 50 People in eCommerce four years in a row. You can contact Nathan on LinkedIn, X or via email.Got an idea, opportunity or just want to get involved? Whether you're keen to sponsor Add To Cart, interested in jumping on the mic as a co-host, or have feedback to help us make the show even better, we'd love to hear from you. Shoot us an email at hello@addtocart.com.au and let's chat!If you want to keep learning in eCommerce, make sure you hit the follow button!Thanks to our sponsors, Shopify and Klaviyo, for bringing you the show.Connect With UsVisit the website for more learning resources and join the ATC Community.Join us on LinkedIn: https://www.linkedin.com/company/add-to-cartJoin us on Instagram: https://www.instagram.com/addtocartshow/Sponsor Add To Cart: https://addtocart.com.au/sponsor/Contact Nathan: https://www.linkedin.com/in/nathbush/ Hosted on Acast. See acast.com/privacy for more information.
Kyle Robert and Brian Twining get you set for the Grant Park 165 as NASCAR takes aim at the streets of Chicago. The guys run through every driver on DraftKings to break down their favorite targets and fades for this weeks NASCAR DFS slate! Then they build three GPP lineups for the race. For more of our favorite bets and the full card make sure you are subscribed to the completely FREE Newsletter! It can be found at aoppodcast.substack.comAs a reminder, check out our friends over at GridRival and use code AOP25 for a 100% match deposit up to $100.00:00 Intro04:42 Grant Park 165 High priced options15:28 Grant Park 165 Mid pack options21:35 Grant Park 165 Cheaper options27:21 Grant Park 165 GPP lineups
According to recent data from personal finance website NimbleFins, the average British family of four spent around £4,678 for a 9-night holiday abroad in 2023. And of that total amount, £1,828 went towards flights, nearly 40%, reflecting the reality that air fares still account for a high proportion of the total cost of a holiday. And experts say that flight prices are set to continue rising in the coming years, as more expensive sustainable aviation fuels are brought in to replace traditional kerosene. With that in mind, let's discuss some ways in which you can make some savings on the most expensive part of your next holiday. What should I do if I'm buying online? When's the best time to make my booking? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: How much do surrogate mothers get paid? What is the Barnum effect? How to spot, prevent and treat heatstroke ? A podcast written and realised by Joseph Chance. First broadcast: 14/01/2024 Learn more about your ad choices. Visit megaphone.fm/adchoices
Brian Hefty, a name synonymous with practical, farmer-first agronomic education. As co-host of Ag PhD TV and Radio, Brian shares what it's like to grow up on a livestock and crop farm, learn from his father's teachings, and eventually build one of the most respected agronomy platforms in agriculture alongside his brother Darren.We discuss how the Hefty Seed Company has grown to 50 locations across 12 states, making it the 7th largest crop protection retailer and 11th largest seed dealer in the country. Brian shares what it means to focus on ROI—not just cost—and why pulling more soil samples may be one of the biggest untapped opportunities in ag. He explains how trying new things, experimenting on-farm, and remaining a lifelong learner are key to long-term profitability.Brian also talks about his book, 100 an Hour Jobs: Lessons from Dad, and how early advice from his father shaped his outlook on time, value, and purpose. From his Christian faith to his family life, Brian brings authenticity to both his work and words.We get a sneak peek into upcoming events like Ag PhD Field Day (July 31) and Cultivate 2025 in Fargo, both designed to bring growers together to learn, network, and find new solutions. Plus, we explore how Ag PhD is expanding its reach through platforms like AcresTV, social media, and podcasts—helping farmers stay informed no matter where they are. Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/
In this episode, Joi Cuartero Austin is joined once again by Erik Reader for a lively and insightful conversation around the concept of Lighter, Quicker, Cheaper (LQC) — a placemaking approach that emphasizes small-scale, low-cost, and fast-to-implement strategies for revitalizing public spaces and neighborhood districts. Originally popularized by the nonprofit Project for Public Spaces in the early 2000s, LQC continues to shape how communities reimagine their built environments — even today. We dig into real-world examples, lessons learned, and how communities are using this flexible framework to create a stronger sense of place, community, ownership, and vitality. Topics Covered: What “Lighter, Quicker, Cheaper” means and where it came from How cities like Dallas, Richmond, Chicago, and Peoria are embracing DIY placemaking Examples of LQC success: from Better Block projects to guerrilla wayfinding Creative community engagement: pop-up shops, vacant lot activations, and DIY downtowns The power of “just trying something” and giving communities permission to act Metrics and outcomes: How small tests can lead to permanent change How LQC invites broader participation and fosters local pride What we'd personally love to try next in our own communities! Mentioned Projects and Ideas: Better Block Dallas – transforming a corridor with temporary interventions Chicago's Lakeview neighborhood – intersection redesign with chalk paint and bollards Walk Raleigh – unsanctioned wayfinding signs showing walk times to local spots Peoria “Ideas to Action” – pop-up engagement leading to funded community-led projects Parklets and outdoor seating – how losing a few parking spots can spark placemaking Takeaways: You don't need a million-dollar budget to make a meaningful impact. LQC gives communities permission to test ideas and rethink how they use space. Starting small can unlock new energy, increase public trust, and attract long-term investment. These quick wins can be a gateway to bigger, bolder revitalization strategies.
Send us a textIn this episode of The Sports Marketing Machine Podcast, host Jeremy Neisser shares why consistent video content is no longer a "nice-to-have" — it's the cornerstone of a smarter paid media strategy. Whether you're trying to warm up cold audiences, lower your ad costs, or re-engage past ticket buyers, video is the most powerful (and underused) tool in your marketing playbook.Jeremy explains how short-form videos help you build trust, increase engagement, and improve targeting — even on a tight budget. He also shares real-world examples and actionable tips for sports teams to use video content to drive more clicks, conversions, and repeat attendance.
Kris used cocaine? Quarterback conspiracy? Elon Musk speaks out against President Trump's One Big Beautiful Bill Act, and the fireworks start! Pat Gray vs. Steve Deace! Trump wants interest rates to fall now! Gas prices hit four-year low! Tariff revenue skyrockets! Gavin Newsom vs. Fox News! A lot of big movies are coming out right now! Van Jones calls President Trump the smartest and most powerful person in the world. More Zohran Mamdani drivel. Jaguar is a car company in collapse after going woke. The absurdities of the far Left's 4 a.m. club. Alligator Alcatraz opens today! Michelle Obama shares her despicable views on life. Bomber pilots headed to White House! Kris is about to take a train ride to Houston. 00:00 Pat Gray UNLEASHED 00:19 Kris Cruz is Back from Peru! 08:53 Jake Retzlaff Leaves BYU 12:39 Will the 'Big Beautiful Bill' Pass? 16:34 Elon Musk Attacks the 'Big Beautiful Bill' 18:18 Trump VS. Elon AGAIN?! 23:23 Trump Attacks Jerome Powell 25:24 CNN Admits Gas Prices are Cheaper than Last Year 31:56 CNBC Admits Trump was Right 33:25 Chewing the Fat Five? 44:22 Van Jones Gives Trump the Credit he Deserves 50:23 Baby AI Trump Cursing? 51:29 Obama, Bush, and Bono All Cry over USAID 54:31 Zohran Mamdani is a Slob 57:00 Zohran Mamdani is a Socialist 1:06:56 Jaguar Fails to Sell Cars 1:13:53 '4-AM Club' is REAL! 1:18:11 'Alligator Alcatraz' is READY! 1:19:49 Michelle Obama on Females & her Divorce? 1:22:59 Cross Saves Man's Life 1:27:00 B-2 Fighter Pilot to Visit White House Learn more about your ad choices. Visit megaphone.fm/adchoices
Check out SmartLing: https://www.smartling.com & their CEO Bryan Murphy https://www.linkedin.com/in/bryanmurphy2/ Side note to Founders -->
Contributor: Alec Coston, MD Educational Pearls: For patients presenting to the emergency room with hypertension, clinicians should determine if it is isolated and uncomplicated, or involves comorbidities with more complex underlying pathophysiology. For uncomplicated and isolated hypertension, first-line treatment is thiazide diuretics. How do thiazide diuretics work to treat hypertension? Thiazide diuretics work by blocking sodium and chloride resorption in the kidneys. “Where sodium goes, water follows,” thus promoting diuresis and lowering blood pressure. Examples of thiazide diuretics and their benefits? Hydrochlorothiazide (HCTZ): First-line medication in uncomplicated and chronic hypertensive states. Cheaper and fewer significant adverse effects compared to chlorthalidone. HCTZ can be associated with decreased risk of stroke and myocardial infarction. However, for more complicated hypertension, especially in the setting of heart failure, Angiotensin Converting Enzyme (ACE) Inhibitors should be considered. How do ACE Inhibitors manage blood pressure? The body's kidneys drive the Renin-Angiotensin-Aldosterone-System (RAAS) to regulate blood pressure. It is easiest to understand RAAS as being pro-hypertensive as a response to decreased renal perfusion. As renal perfusion decreases, renin is released and activates angiotensin I, which is converted by ACE to Angiotensin II, which causes release of aldosterone. ACE Inhibitors prevent the conversion of Angiotensin I to Angiotensin II, thus decreasing the kidneys' production of Angiotensin II and Aldosterone levels. Why, in the context of heart failure, are ACE Inhibitors preferred? In heart failure, especially left-sided or left-ventricular heart failure, a vicious cycle can develop wherein the left ventricle fails to perfuse the kidneys due to over-dilation. The kidneys are hypoperfused and activate RAAS to try to retain volume and increase peripheral vasoconstriction, promoting renal perfusion. The increase in blood pressure puts further strain on the heart, thereby further decreasing cardiac output. The cycle develops, and extremely elevated blood pressures can develop. ACE Inhibitors can directly block this cycle, hence their preference in heart failure. Big takeaway? In uncomplicated hypertensive patients, consider thiazide diuretics. When comorbidities, especially heart failure, are introduced, then consider ACE Inhibitors. References Carey RM, Moran AE, Whelton PK. Treatment of Hypertension: A Review. JAMA. 2022;328(18):1849-1861. doi:10.1001/jama.2022.19590 Fan M, Zhang J, Lee CL, Zhang J, Feng L. Structure and thiazide inhibition mechanism of the human Na-Cl cotransporter. Nature. 2023;614(7949):788-793. doi:10.1038/s41586-023-05718-0 Hripcsak G, Suchard MA, Shea S, et al. Comparison of Cardiovascular and Safety Outcomes of Chlorthalidone vs Hydrochlorothiazide to Treat Hypertension. JAMA Internal Medicine. 2020;180(4):542-551. doi:10.1001/jamainternmed.2019.7454 Yu D, Li JX, Cheng Y, et al. Comparative efficacy of different antihypertensive drug classes for stroke prevention: A network meta-analysis of randomized controlled trials. PLoS One. 2025;20(2):e0313309. doi:10.1371/journal.pone.0313309 Summarized by Dan Orbidan, OMS2 | Edited by Dan Orbidan & Jorge Chalit, OMS4 Donate: https://emergencymedicalminute.org/donate/
Get your eSim from Saily: https://saily.com/eibaw Need an internet connection aboard? Get your esim from the creators of NORD VPN! Get a discounted offer: https://saily.com/eibaw ----- Hello! Aaron has returned from holidays! He's back to answer YOUR questions on Newcastle United and transfers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Our analysts Andrew Sheets and Kelvin Pang explain why international issuers may be interested in so-called ‘dim sum' bonds, despite Asia's growth drag.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Head of Corporate Credit Research at Morgan Stanley. Kelvin Pang: And I'm Kelvin Pang, Head of Asia Credit Strategy. Andrew Sheets: And today in the program we're going to finish our global tour of credit markets with a discussion of Asia. It's Friday, June 20th at 2pm in London. Kelvin Pang: And 9pm in Hong Kong. Andrew Sheets: Kelvin, thank you for joining us. Thank you especially for joining us so late in your day – to complete this credit World tour. And before we get into the Asia credit market, I think it would just be helpful to frame at a very high level – how you see the economic picture in the region. Kelvin Pang: We do think that the talks and potential deals will probably provide some reprieve towards the growth for the region, but not a big relief. We do think that tariff uncertainty will linger here, and it will keep growth low here; especially if we do think that CapEx of the region will be weaker due to tariff uncertainty. A weaker U.S. dollar, for example, plus monetary easing will help offset some of this growth drag. But overall, we do think that the Asia region could see 90 basis point down in real GDP growth from last year. Andrew Sheets: So, we've got weaker growth in Asia as a function of high tariffs and high tariff uncertainty that can't be offset by further policy easing. In the context of that weaker growth backdrop, higher uncertainty – are credit spreads in the region wide? Kelvin Pang: No, they're actually really low. They're probably at like the lowest since we start having a data in 2013. So definitely like a 12 to 13 year low of the range. Andrew Sheets: And so why is that? Why do you have this kind of seemingly odd disconnect between some real growth challenges? And as you just mentioned, really some of the tightest credit spreads, some of the lowest risk premiums that we've seen in quite some time? Kelvin Pang: Yeah, we get this question a lot from clients, and the short answer is that, you know, the technicals, right? Because the last two years, two-three years, we've been seeing negative net supply for Asia credit. A lot of that is driven by China credit. And if you look at year-to-date, non supply remain still negative net supply. And demand side, for example, has not really picked up that strongly. But it still offsets any outflows that we see the last two-three years; is offset by this negative net supply. So, you put this two together, we have this very strong technicals that support very tight spread. And that's why spread has been tight at historical end in the last, I would say, one to two years. Andrew Sheets: Do you see this changes? Kelvin Pang: Yeah, we do think it's changed. We have a framework that we call the normalization of Asia Credit technicals. And for that to change, essentially our framework is saying that Treasury yields use need to go down, and dollar funding need to go down. Cheaper dollar funding will bring back issuers. Net supply should pick up. Demand for credit tends to do well in a rate cut cycle. Demand tends to pick up in a rate cut cycle. So, if we have these two supports, we do think that Asia credit technicals will normalize. It's just that, you know, we have four stages of normalization. Unfortunately we are in stage two now, and we still have a bit of room to see some further normalization, especially if we don't get rate cuts. Andrew Sheets: Got it. So, you know, we do think that if Morgan Stanley's yield forecasts are correct, yields are going to fall. Issuers will look at those lower yields as more attractive. They'll issue more paper in Asia and that will kind of help rebalance the market some. But we're just not quite there yet. Kelvin Pang: Yeah, we feel like this road to rate cuts has been delayed a few times, in the last two-three years. And that has really been a big conundrum for a lot of Asia credit investors. So hopefully third time's a charm, right. So next year's a big year. Andrew Sheets: So, I guess while we're waiting for that, you also have this dynamic where for companies in Asia, or I guess for any company in the world, borrowing money locally in Asia is quite cheap. You have very low yields in China. You have very low local yields in Japan. How do those yields compare with the economics of borrowing in dollars? And what do you think that, kind of, means for your market? Kelvin Pang: Yeah, I think the short answer is that we are going to see more foreign issuers in local currency market. And, you know, we wrote a report in in March to just to pick on the dim sum corporate bond market. It benefits… Andrew Sheets: And Kelvin, just to stop you there, could you just describe to the listener what a dim sum bond is? And probably why you don't want to eat it? Kelvin Pang: Yes. So dim sum bond is basically a bond denominator in CNH. So, CNH is a[n] offshore Chinese renminbi, sort of, proxy. And it's called dim sum because it's like the most local cuisine in Hong Kong. Most – a lot of dim sum bonds are issued in Hong Kong. A lot of these CNH bonds are issued in Hong Kong, And that's why, [it has] this, you know, sort nickname called dim sum. Andrew Sheets: So, what is the outlook for that market and the economics for issuers who might be interested in it? Kelvin Pang: Yeah. We think it's a great place for global issuers who have natural demand for renminbi or CNH to issue; 10 years CGB is now is like 1.5-1.6 percent. That makes it a very attractive yield. And for a lot of these multinationals, they have natural renminbi needs. So, they don't need to worry about the hedging part of it. And what – and for a lot of investor base, the demands are picking up because we are seeing that renminbi internationalization are making some progress. You know, progress in that means better demand. So, overall, we do think that there is a good chance that the renminbi market or the dim sum market can be a bit more global player – or global, sort of, friendly market for investors. Andrew Sheets: Kelvin, another sector I wanted to ask you about was the China property sector. This was a sector that generated significant headlines over the last several years. It's faced significant credit challenges. It's very large, even by global standards. What's the latest on how China Property Credit is doing and how does that influence your overall view? Kelvin Pang: it's been four plus years, since first default started. and we've been through like 44 China property defaults, close to about 127 billion of total dollar bonds that defaulted. So, we are close to the end of the default cycle. Unfortunately, the end or default cycle doesn't mean that we are in the recovery phase, or we are in the speedy recovery phase. We are seeing a lot of companies struggling to come out restructuring. There are companies that come out restructuring and re-enter defaults. So, we do think that it is a long way to go for a lot of these property developers to come out restructuring and to get back to a going concern, kind of, status – I think we are still a bit far. We need to see the recovery in the physical property markets. And for that to happen, we do need to see the China economy to pick up, which give confidence to the home buyers in that sense. Andrew Sheets: So, Kelvin, we started this conversation with this kind of odd disconnect that kind of defines your market. You have a region that has some of the most significant growth risks from tariffs, some of the highest tariff exposure, and yet also has some of the lowest credit risk premiums with these quite tight spreads. If you look more broadly, are there any other kind of disconnects in your market that you think investors around the world should be aware of? Kelvin Pang: Yeah, we do think that investors need to take advantage of the disconnect because what we have now is a very compressed spread. And we like to be in high quality, right? Whether it is switching our Asia high yield into Asia investment grade, whether it is switching out of, you know, BBB credit into A credit. We think, you know, investors don't lose a lot of spread by doing that. But they manage to pick out higher quality credit. At the same time, we do think that one thing unique about Asia credit is that we have significant exposure to tariff risk. Asia countries are one of the few that are, you know; seven out the 10 countries that are having trade surplus with the U.S. And that's why we think that the iTraxx Asia Ex-Japan CDS index could be a good way to get exposure to tariffs. And the index did very well during the Liberation Day sell off. Now it's trading back to more like normal level of 70-75 basis point. We do think that, you know, for investors who want long tariff with risk, that could be a good way to add risk. Andrew Sheets: Kelvin, it's been great talking to you. Thanks for taking the time to talk. Kelvin Pang: Thank you, Andrew. Andrew Sheets: And thank you listeners as always, for your time. If you find Thoughts of the Market useful, let us know by leaving a review wherever you listen. And also tell a friend or colleague about us today.