Podcasts about Credit

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction: Universal Truths in Points and Miles00:17 Truth #1: Financial Foundation First01:53 Truth #2: The Cost of Particular Travel Preferences04:33 Truth #3: Maximizing Cents Per Point05:50 Truth #4: Australia Chooses You08:01 Truth #5: Balancing Flexibility and Planning09:09 Truth #6: Know Your Next Best Alternative10:41 Truth #7: Cashing Out Points vs. Hoarding12:10 Truth #8: The Importance of Volume and Repetition14:43 Conclusion: Final Thoughts and Best WishesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Our Chief Fixed Income Strategist Vishy Tirupattur is joined by Dan Toscano, the firm's Chairman of Markets in Private Equity, unpack how credit markets are changing—and what the AI buildup means for the road ahead.Read more insights from Morgan Stanley.----- Transcript -----Vishy Tirupattur: Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. Today is a special edition of our podcast. We are joined by Dan Toscano, Chairman of Markets in Private Equity at Morgan Stanley, and a seasoned practitioner of credit markets over many, many credit cycles. We will get his thoughts on the ongoing evolution and revolution in credit marketsIt's Wednesday, January 7th at 10am in New York. Dan, welcome.Dan Toscano: Glad to be here.Vishy Tirupattur: So, to get our – the listeners familiar with your journey, can you talk a little bit about your experience in the credit markets, and how you got to where we are today?Dan Toscano: Yeah, sure. So, I've been doing this a long time. You used the nice word seasoned. My kids would refer to it as old. But I started in this journey in 1988. And to make a long story short, my first job on Wall Street was buying junk bonds in the infancy of the junk bond market, when most of what we were financing were LBOs. So, if you're familiar with Barbarians at the Gate, one of the first bonds we bought were RJR Nabisco reset notes. And I've been doing this ever since, so over almost four decades now.Vishy Tirupattur: So, the junk bond market evolved into high yield market, syndicated loan market, CLO market, financial crisis. So, talk to us about your experiences during this transition.Dan Toscano: Yeah. I mean, one of the things these markets do is they finance evolution in industries. So, when I think back to the early days of financing leveraged buyouts, they were called bootstrap deals. The first deal I did as an intermediary on Wall Street as opposed to as an investor, was a buyout with Bain Capital in 1993. At the time, Bain Capital had a $600 million AUM private equity platform. Think about that in the scale of what Bain Capital does in private equity today. You know, back then it was corporate carve outs, and trying to make the global economy more efficient. And you remember the rise of the conglomerate. And so, one of the early things we financed a lot of was the de-conglomeration of big corporates. So, they would spin off assets that were not central to the business or the strengths that they had as an organization.So, that was the early days of private equity. There was obviously the telecom build out in the late 90's and the resulting bust. And then into the GFC. And we sit here today with the distinctions of private capital, private credit, public credit, syndicated credit, and all the amazing things that are being financed in, you know, what I think of as the next industrial revolution.Vishy Tirupattur: In terms of things that have changed a lot – a lot also changed following the financial crisis. So, if you dig deep into that one thing that happened was the introduction of leveraged lending guidelines. Can you talk about what leveraged lending guidelines did to the credit markets?Dan Toscano: Yeah, I mean, it was a big change for underwriters because it dictated what you could and couldn't participate in as an underwriter or a lender, and so it really cut off one end of the market that was determined by – and I think the thing most famously attributed to the leveraged lending guidelines was this maximum leverage notion of six times leverage is the cap. Nothing beyond that. And so that really limited the ability for Wall Street firms to underwrite and distribute capital to support those deals.And inadvertently, or maybe by plan, really gave rise to the growth in the private credit market. So, when you think about everything that's going on in the world today, including, which I'm sure we'll talk about, the relaxation of the leveraged lending guidelines, it was really fuel for private credit.Vishy Tirupattur: So private credit, this relaxation that you mentioned, you know, a few weeks ago, the FDIC and the OCC withdrew the leveraged lending guidelines in total. What do you expect that will do to the private credit markets? Will that make private credit market share decrease and bank market share increase?Dan Toscano: I think many people think of these as being mutually exclusive. We've never thought of it that way. It exists more on a continuum. And so, what I think the relaxation of those guidelines or the elimination of those guidelines really frees the banks to participate in the entire continuum, either as lenders or as underwriters.And so, in addition to the opportunity that gives the banks to really find the best solutions for their clients, I think this will also continue the blurring of distinctions between public market credit and private market credit. Because now the banks can participate in all of it. And when you think about what defines in people's minds – public credit versus private credit, in many cases it's driven by what terms look like. Customary terms for a syndicated bond or loan versus a private credit loan.Also, who's participating in it. You know, these things have been blurring, right? There's a cost differential or a perceived cost differential that has been blurring for some time now. That will continue to happen, in my opinion anyway.Vishy Tirupattur: I totally agree with you, Dan, on that. I think not only the distinction between public credit and private credit, but also within the various credit channels – secured, unsecured, securitized, structured – all these distinctions are also blurring. So, in that context, let's talk a little bit more about what private credit's focus has been and where private credit focus will be going forward. So, what we'll call private credit 1.0. Focused predominantly on lending to small and medium-sized enterprises. And we now see that potentially changing. What is driving private credit 2.0 in your mind?Dan Toscano: Well, the elephant in the room is digital infrastructure. Absolutely. When you think about the scale of what is happening, the type of capital that's required for the build out, the structure you need around it, the ability to use elements of structure. You mentioned several of them earlier. To come up with an appropriate risk structure for lending is really where the market is heading. When you think about the trillions of dollars that we anticipate is needed for the technology industry to complete this transformation – not just around digital infrastructure, but around everything associated with it.And the big one I think of most often is power, right? So, you need capital to build out sources of power, and you need capital to build out the data centers to be able to handle the compute demand that is expected to be there. This is a scale unlike anything we have ever seen. It is the backbone of what will be the next industrial revolution.We've never seen anything like this in terms of the scale of the capital needed for the transformation that is already underway.Vishy Tirupattur: We are very much on board with this idea as well, Dan, in terms of the scale of the investment, the capital investment that is needed. So, when you look ahead for 2026, what worries you about the ind ustrial revolution financing that is underway?Dan Toscano: Given all that's going on in the world, this massive capital investment that's going on globally around digital infrastructure, we've never seen this before. And so, when I look at the capital raising that has been done in 2025 versus what will be done in 2026, I think one of the differences that we have to be mindful of is – nothing's gone wrong while we were raising capital in 2025 because we were very much in the infancy of these buildouts. Once you get further into these buildouts and the capital raises in 2025 that are funding the development of data centers start to season, problems will emerge. The essence of credit risk is there will be problems and it's really trying to predict and foresee where the problems will be and make sure you can manage your way through them.That is the essence of successful credit investing. And so there will definitely be issues when you think about the scale of the build out that is happening. Even if you look just in the U.S., where you need access to all sorts of commodities to build out. And you know, people focus on chips, but you also need steel and roofing, and importantly labor.And as we talk to people about the build outs, one of the concerns is supply of labor supply and cost of labor. So, when you run into situations where maybe a project is delayed a bit, or the costs are a bit more than what was expected, there will be a reaction. And we haven't had that yet. We will start to see that in 2026 and how investors and the markets react to that, I think will be very important. And I'm a little bit worried that there could be some overreaction because people have trained themselves in 2025 to think of like, ‘I'm operating in a perfect environment,' because we haven't really done anything yet. And now that we've done something, something can and will go wrong. So, you know, we'll see how that plays out.I am very fixated in 2026 on the laws of supply and demand. When I think about what's going on right now, we usually have visibility on demand. And we usually have some level of visibility on supply. Right now, we have neither – and I say that in a positive way. We don't know how big the demand is in the capital world to fund these projects. We don't know how big that can be. And almost with every passing day, the supply – and what we're hearing from our clients about what they need to execute their plans – continues to grow in a way that we don't know where it ends. And the scale, we're talking trillions of dollars, right? Not billions, not millions, but trillions.And so, I look at that – not so much as something I worry about, but something I'm really curious about. Will we run out of money to fund all of the ambitions of the Industrial Revolution? I don't think so. I think money will find great projects, but when you think about the scale of what we're looking at, we've never seen anything like it before. And it will be fascinating to watch as the year goes on.Vishy Tirupattur: Thanks Dan. That's very useful. And thanks for taking the time to speak to us and share your wisdom and insights. Dan Toscano: Well, it's great to be here.Vishy Tirupattur: And to our audience, thanks for listening. If you enjoyed the show, please leave us a review wherever you listen and share thoughts on the market with a friend or colleague today

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3414: Tiffany Aliche lays out five straightforward steps to help 20-somethings take control of their financial future, without sacrificing enjoyment in the present. By focusing on smart habits like maxing out 401k matches, avoiding bad debt, and setting realistic savings goals, young adults can set themselves up for a secure and stress-free retirement. Read along with the original article(s) here: https://thebudgetnista.com/retirement-start-early/ Quotes to ponder: "The earlier you start, the sooner you can get your money working for you." "A dollar saved is a dollar earned." "Credit cards, auto loan, these are considered bad debts since they don't appreciate in value." Learn more about your ad choices. Visit megaphone.fm/adchoices

From bullet ant initiations and silverback gorilla charges to deep-sea subs and sterile biotech labs, Pat Spain lives where science collides with the unexplained. Hosted by Jeni Monroe and Tressa Slater, this episode dives into Pat's family legacy with Charles Fort, his fearless cryptozoological quests, and the strange phenomena most people dismiss—until now. Buckle up for wild stories, sharp science, and a relentless curiosity that refuses to play it safe. Bitten, Stung, and Unexplained - Monsters Lounge Podcast Pat Spain's link:https://www.patspain.com/Find all Monsters Lounge info and links here:https://www.monstersloungepodcast.com/https://linktr.ee/monsterslounge(and while you're there, RATE, REVIEW, SUBSCRIBE AND FOLLOW)Pathways to Spirit with Sarah LemosIt's time to uncover your gifts and abilities.register now at https://www.mediumsarahlemos.com/-Credit and a warm thank you to Jay Juliano for original theme music: Enter The Monster's Lounge-Special thanks to Dave Schrader and The Paranormal 60 Network PLEASE SUPPORT THE ADVERTISERS THAT SUPPORT THIS SHOW TalkSpace - Get $80 off your first month with Talkspace when you go to Talkspace.com/podcast and enter promo code SPACE80. True Classic - Step into your new home for the best clothes at True Classic ⁠www.TrueClassic.com/P60⁠ Raycon Everyday Earbuds - Save up to 30% Off at ⁠www.buyraycon.com/truecrimenetwork⁠ Cornbread Hemp - Save 30% off your first order at ⁠www.cornbreadhemp.com/P60⁠ and enter P60 into the coupon code Mint Mobile - To get your new wireless plan for just $15 a month, and get the plan shipped to your door for FREE, go to ⁠⁠⁠www.MintMobile.com/P60⁠ Cozy Earth - Begin your sleep adventure on the best bedding and sleepwear with Cozy Earth: ⁠https://cozyearth.com/⁠ use Promo Code P60 for up to 40% off savings! Love & Lotus Tarot with Winnie Schrader - ⁠⁠⁠⁠http://lovelotustarot.com/⁠⁠⁠⁠ PLEASE RATE & REVIEW THE PARANORMAL 60 PODCAST WHEREVER YOU Learn more about your ad choices. Visit megaphone.fm/adchoices

Skinny Keem Shares his life story from rags to riches.⁣ ⁣ Ig https://www.instagram.com/skinny.keem?igsh=MTVwYTQ4bDc5eXhkeQ==⁣ ⁣ Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Get 50% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout.⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣

Nick and Jonathan talk about why it feels like the Browns aren't getting any credit for finding Kevin Stefanski despite the fact that they were one of the only teams to interview him.

Robert is Founder, Chief Investment Officer and the Managing Partner of the $5bn EM fund, Gramercy. He founded Gramercy in 1998. Robert has 36 years of investment experience dedicated to emerging markets with a specialization in distressed opportunistic credit strategies. He is a member of Gramercy's Management Team and is Co-Chair of the Risk Management Committee. In this podcast we discuss: EM in 2025: From Caution to FOMO EM vs DM: A Role Reversal Since COVID The Problem with EM Labels & Indices China: From 'Uninvestable' to Selective Opportunity Russia–Ukraine: Asymmetry, Reconstruction, and Market Blind Spots The Boom in EM Private Credit Where the Opportunities Are in EM Private Credit Mexico, NAFTA 2.0, and Geopolitics Venezuela and the 'Trump Corollary to the Monroe Doctrine' Fed Policy: The Only Conviction Is Lack of Conviction Portfolio Philosophy: Fighting FOMO and Overtrading

With the threat at the school temporary taken care of, the Water's Edge seniors turn their attention towards Lake Town City and the looming danger lurking in the real world.We're playing Masks for this campaign! You can access a running list of all the NPCs from Campaign 4 here.Sponsors- Shaker & Spoon, where you can $20 off your first box at shakerandspoon.com/jointhepartyFind Us Online- website: https://jointhepartypod.com- patreon: https://patreon.com/jointhepartypod- instagram: https://instagram.com/jointhepartypod- twitter: https://twitter.com/jointhepartypod- tumblr: https://jointhepartypod.tumblr.com- facebook: https://facebook.com/jointhepartypod- merch & music: http://jointhepartypod.com/merchCast & Crew- Game Master, Co-Producer: Eric Silver- Co-Host, Co-Producer, Sound Designer, Composer (Connor Lyons): Brandon Grugle- Co-Host, Co-Producer, Editor (Shelley Craft): Julia Schifini- Co-Host, Co-Producer (Rowan Rosen): Amanda McLoughlin- Artwork: Allyson Wakeman- Multitude: https://multitude.productionsAbout UsJoin the Party is an actual play podcast with tangible worlds, genre-pushing storytelling, and collaborators who make each other laugh each week. We welcome everyone to the table, from longtime players to folks who've never touched a roleplaying game before. Hop into our current campaign: the drama and excitement of a superhero high school! Or marathon our completed stories: Campaign 3 for a pirate story set in a world of plant- and bug-folk, the Camp-Paign for a MOTW game set in a weird summer camp, Campaign 2 for a modern superhero game, and Campaign 1 for a high fantasy story. And once a month we release the Afterparty, where we answer your questions about the show and how we play the game. New episodes every Tuesday.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Card Pointers00:12 Meet Brooke: Head of Growth at CardPointers00:31 Maximizing Credit Card Rewards with CardPointers01:45 Brooke's Journey to CardPointers03:57 Favorite Features of CardPointers04:06 Browser Extension and Automatic Offer Activation06:48 Real-Life Examples and User Stories13:13 Advanced Tips and Tricks for CardPointers18:29 Card Pointers Plus: Features and Benefits20:00 Future Features and User Suggestions26:07 Conclusion and How to Get CardPointersYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Brooke at: ➤ Website (CardPointers): https://cardpointers.com ➤ Discount link (GeoBreeze listeners): https://cardpointers.com/geobreeze ➤ Support email: support@cardpointers.com ➤ Subreddit: https://www.reddit.com/r/cardpointers Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

TIMESTAMPS1:02 Who is in the Scudetto race?3:02 Federico Chiesa to Juve?14:50 Juventus Lecce roundup, Jo David talk28:26 AC Milan, boring but productive33:53 Inter dominates Bologna45:00 Napoli Lazio, a difference in quality53:30 A big game let down for Roma again59:54 Credit to Palladino and Atalanta1:01:03 Fiorentina's SECOND win

Mayor Paul Young took full credit for the massive drop in crime across the city — refusing to acknowledge the work of the Memphis Safe Task Force or President Trump. Who do you credit for the drop in crime? Listen LIVE Weekdays 7AM Central on the KWAM app, or Mighty990.comSee omnystudio.com/listener for privacy information.

0:00 - That was the most predictably unpredictable win by your Denver Nuggets yesterday. Credit the young guns, man. They all stepped up under the bright lights of the P'Cock. What an upset over the (fully healthy Embiid-led) 76ers in Philly.Next Moseys Category: (Mostly) Vic vs Stats.14:24 - We have an epic football-watching weekend coming up. Two days of CFP games, followed up 3 days of NFL playoff games. Strap in. Crack some beer. Don't both leaving your couch from Thursday-Monday.Next Moseys Category: Worst Treatment of a Guest.31:45 - So many Moseys to give and so little time. Let's give out TWO awards this segment: Worst Family Feud Answer and Worst Analysis.

Credit union predictions take center stage as Mark Ritter hosts Jeff Lyons on Credit Union Conversations to review their 2025 forecasts. The MBFS leaders analyze their interest rate forecasts, NCUA board changes, and tariff-negotiation predictions with a candid self-assessment. Throughout this engaging review, they explore Federal Reserve rate cuts, consumer lending trends, commercial lending stability, and the challenges facing credit unions in the auto loan market as vehicle prices surpass $50,000. They examine the accuracy of housing market forecasts and the outcomes of budget deal negotiations, while acknowledging mixed results in their prognostication.WHAT YOU WILL LEARN IN THIS EPISODE:✅ How NCUA board changes and Supreme Court cases continue to impact credit union regulatory oversight, with the FTC lawsuit setting precedent for future administrative decisions affecting the credit union industry.✅ Why the auto loan market faces unprecedented challenges as average new vehicle prices exceed $50,000, causing consumers to hold vehicles longer and fundamentally shifting credit union business strategies.✅ The accuracy of inflation predictions and credit card delinquency forecasts, including how CPI data at 2.7% contradicts consumer experiences of rising costs in everyday purchases.✅ How commercial lending stability diverged from consumer lending trends in 2025, creating a bifurcated lending environment that requires different strategic approaches for credit unions.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Mark Ritter and Jeff Lyons review their year-end credit union predictions for 2025 and discuss their accuracy00:38 NCUA board changes discussion covering the firing of Democratic board members and predictions about Supreme Court cases impacting regulatory authority01:33 Interest rate forecasts review, revealing they missed by 25 basis points and tariff negotiations analysis examining how tariffs became a negotiating tool07:07 Auto loan market and consumer lending trends, highlighting the average cost of a vehicle and the lending environment affecting credit union business09:06 Discussion of credit card debt to be determined in February and March, and some football talk: Penn State and RutgersKEY TAKEAWAYS:

San Francisco Mayor Daniel Lurie is continuing to try to get the message out that the City is on the rebound. Lurie appeared in a segment on ABC's This Week with George Stephanopolous over the weekend. For more, KCBS's Margie Shafer spoke with KCBS Insider Phil Matier.

Link to episode page This week's Department of Know is hosted by Rich Stroffolino with guests Peter Clay, CISO, Aireon, and Chris Ray, Field CTO, GigaOm Thanks to our show sponsor, HoxHunt A small tip for CISOs: if you're unsure whether your security training is actually reducing phishing risk, check out what Qualcomm achieved with Hoxhunt. They took their 1,000 highest-risk users from consistent under-performers to outperforming the rest of the company, driving measurable human risk reduction and earning a CSO50 Award. See the Qualcomm case at hoxhunt.com/qualcomm All links and the video of this episode can be found on CISO Series.com  

Ready to buy a Michigan home without getting dragged into bidding wars or overpaying? In this 47-minute deep dive, I walk you through an A-to-Z playbook for 2025-2026 buyers: how to read the current Michigan market, target the right listings, write a smart low offer, and negotiate seller concessions (closing costs, rate buydowns, repairs) while protecting yourself with inspections and contingencies. If you're shopping anywhere in Metro Detroit, Ann Arbor, Grand Rapids, Lansing, West Michigan, Oakland County, Macomb, Washtenaw, Livingston, or Genesee, this guide will help you spot real opportunities and avoid costly mistakes.MENTIONED LINKS ⬇️→How To Win A Bidding War Guide: https://shorturl.at/39EOW→Michigan Relocation Guide: https://shorturl.at/9IZQ1→Michigan Relocation Checklist: https://www.mihomesbyandrew.com/relocation-checklistCONTACT ME

Stay up to date with practical strategies for nurses in the management of patients with acromegaly. Credit available for this activity expires: 01/05/2027 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/empowering-nursing-care-acromegaly-strategies-enhanced-2025a10010g0?ecd=bdc_podcast_libsyn_mscpedu

Do you know how to implement novel targeted therapies into the glioma treatment algorithm? Join us to find out more!   Credit available for this activity expires: 1/6/2027 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/1003198?ecd=bdc_podcast_libsyn_mscpedu

Read the shownotes and full transcript on our site: growyourcreditunion.com Deepfake technology has become so accessible that threat actors need only 10 to 30 seconds of audio and a $5 monthly subscription to convincingly impersonate executives, bypass authentication, and trick employees into catastrophic decisions. Credit unions face record ransomware attacks while most lack AI governance policies to address emerging threats. In this episode of Grow Your Credit Union, host Joshua Barclay welcomes sponsored guest Brian Hinze, President & CEO at NCU-ISAO, along with co-host Oto Ricardo, Director of Information Security and Cyber Risk at Advia Credit Union, to explore: Why ransomware attacks hit record levels despite preparedness efforts How credit unions approach AI governance policies What deepfake threats mean for credit union security How NCU-ISAO supports credit unions through community and collaboration   A huge thanks to our sponsor, NCU-ISAO Cybersecurity threats are evolving faster than ever, and credit unions are increasingly in the crosshairs. NCU-ISAO is the only organization fully dedicated to protecting credit unions through real-time threat intelligence, actionable alerts, expert-led analysis, and a community of security-minded professionals. Strengthen your defenses with collaboration. Learn more at NCUISAO.org/GYCU.

In Today's Episode: Host: Brandon Elliott,  https://zez.am/brandonelliottinvestments ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links:  CLICK THE LINK TO GET ACCESS:  https://www.creditcounselelite.com/event-access How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report: https://www.myscoreiq.com/get-fico-max.aspx?offercode=432121Z8 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon:  Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott:  Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148

Brandon Smith Shares his life story which includes stealing from Nintendo, robberies, and more. ⁣ ⁣ Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣ Get 50% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout.⁣ ⁣

(00:00) Zolak & Bertrand start the hour by continuing their conversation about the Patriots going up against the Chargers and the MVP debate.(8:24) We dive into the Week 18 edition of Read & React.(21:52) The crew goes back and forth on who's been the most important part of the Patriots getting back on track.(31:59) We finish the show with calls on everything from the day.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The mic opens on a check-in and turns into a masterclass on presence. Che' Afrique—singer, songwriter, and teacher—joins us to talk about becoming a better mother, paying attention to kids in a loud world, and why “being there” beats any illusion of balance. We dig into the moments parents miss, the power of boundaries, and how structure saves more futures than speeches ever will.From Boston classrooms to Chicago memories, Shea breaks down how education and edge shaped her voice. She takes us back to her first performances, the shaky hands that came with stage fright, and the mindset shift that turned critique into confidence. Then we get into the heart of craft: creativity, authorship, and the debate around ghostwriters. Che take is bold—give the pen its flowers, not just the face on the cover. Credit the creators, expand who gets seen, and let authenticity lead the sound.The standout story lands with “Not The One,” a heartbreak track born on New Year's Day, written through tears and recorded as a freestyle. That song became proof that vulnerability travels: men and women heard their own lives in it. We talk fame versus privacy, choosing fortune over endless cameras, and how artists can share truth without selling their peace. Along the way, we call out book bans, defend critical thinking, and map how to teach kids to question with respect. We close with property goals, an EP on deck, and a simple vow: keep pushing Black love—patient, purposeful, and present.Hit play, share with a friend, and tell us what you're working on internally. If this moved you, subscribe, leave a review, and pass it to someone who needs a nudge toward their own voice.Subscribe to our YouTube Channel: The SHITTS Podcast. Follow us on Spotify, Apple Podcasts, and iHeart Radio. Subscribe and comment.

A glimpse into the future of the Pod. Intro-ing our novels for 2026. Reflections on where we've been, and how we got here.0:00 - Where We've Been10:43 - Where We're GoingThe Everlasting Man by G.K. Chesterton (1925)https://gutenberg.org/cache/epub/65688/pg65688-images.htmlThe Moonstone by Wilkie Collins (1868)https://gutenberg.org/cache/epub/155/pg155-images.htmlThis eBook is for the use of anyone anywhere at no cost and with almost no restrictions whatsoever. You may copy it, give it away or re-use it under the terms of the Project Gutenberg License included with this eBook or online at www.gutenberg.orgCredit to https://www.FesliyanStudios.com for the background music.Credit to https://www.soundjay.com/ for the sound effectsPodcast Photo P/C: https://www.pexels.com/@luan-oosthuizen-823430/collections/

Rusty Halvorson shares audio from the National Association of Farm Broadcasting Trade Talk event - featuring news from partners with Farm Credit, CLAAS of America, PTx and Koch Agronomic Services.See omnystudio.com/listener for privacy information.

Check our retired Miami Dade homicide detective Ramesh Nyberg's book for more stories!⁣ ⁣ https://www.amazon.com/Badge-Tie-Gun-Journeys-Detective-ebook/dp/B0CTQQKQTV?ref_=ast_author_dp⁣ ⁣ Get 50% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout.⁣ ⁣ Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, joins The Julia La Roche Show for "The Wrap with Chris Whalen" for his 2026 outlook.In this episode, Whalen warns of a market correction comparable to 2008, driven by carnage in private equity where hundreds of companies cannot be sold and sponsors are selling companies to themselves. After a decade-and-a-half Fed liquidity party, he predicts corporate credit will worsen in 2026, setting the stage for a housing market decline in 2027-28. Whalen reveals fraud has become epidemic in housing thanks to AI-altered bank statements, discusses the global power shift as Shanghai now sets gold prices (not Chicago or London), and explains why Powell will likely stay on the Fed board through 2028 to protect the institution - betraying Trump just like every Fed chair before him.Links:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  https://www.theinstitutionalriskanalyst.com/post/theira794Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/   Timestamps:0:00 Intro and welcome back to The Wrap with Chris Whalen01:25 2025 retrospective3:35 Big stories of 2026 05:30 Midterms 08:21 Maxi market correction coming alongside 2008 in textbooks15:09 Will Powell retire or remain on the board?16:45 Will we see a more hawkish Fed in 2026?17:50 Default rates21:25 What happens with housing in 202622:42 Drawing parallels to the Gilded Age26:29 Gold and silver - another good year ahead32:41 Viewer question: Annaly mortgage REIT common vs preferred36:48 What's on the radar next week: Big investment banks piece38:18 Wrap up and where to find Chris Whalen

Stop leaving yourself vulnerable to data breaches. Go to my sponsor⁣ https://aura.com/matt to get a 14-day free trial and see if any of your data has⁣ been exposed⁣ ⁣ Tom Hardin recounts his personal journey, starting as a promising Ivy League graduate before becoming an FBI informant in the largest insider trading investigation of our era, and ultimately finding a path towards redemption.⁣ ⁣ Connect With Tom ⁣ https://www.facebook.com/iamtipperx⁣ https://www.instagram.com/iamtipperx_⁣ https://www.youtube.com/@iamtipperx⁣ https://tiktok.com/@iamtipperx/⁣ https://x.com/iamtipperx⁣ ⁣ TipperX.com⁣ https://www.linkedin.com/in/tipperx/⁣ ⁣ Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣

Only take vacations you can afford—debt and relaxation should never meet. If it needs installments and isn't food or medicine, you don't need it. Credit card debt is just regret charging interest—kill it first. Don't enroll in college by muscle memory; 2026 doesn't care about tradition. If you switch careers, pick a role that actually matters—vibes don't pay rent. Skipping AI in 2026 is like skipping email in 1999—bold, but stupid. Invest real money if you can, fake money if you can't, ignorance is not an option. Park far away—walking is free cardio and cheaper than therapy. Eat because you're hungry, not because the fridge made eye contact. There is no perfect time—there's only now and a lot of excuses. Build a side hustle so layoffs don't decide your personality. If every year feels the same, congratulations—you're on career autopilot. Social media isn't real life—it's a heavily filtered lie with Wi-Fi. Comparison kills joy, and titles won't fix insecurity. Everything important takes longer than promised—welcome to reality. Ignore naysayers—they're deeply committed to being comfortable. One focused person with AI can now replace a small team—choose wisely. If your car works, keep it—nobody's impressed by your loan balance. Be selfish enough to protect your time, energy, and sanity. Nothing is saturated—most people just quit early.

Learn more about your ad choices. Visit megaphone.fm/adchoices

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Stopover Programs00:30 Singapore Airlines Stopover Program05:26 Finnair Stopover Program09:17 Turkish Airlines Stopover Program13:54 Conclusion and Additional ResourcesYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelOpinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

As the year wraps up, it's tempting to jump straight into planning what's next — without ever stopping to reflect on what just happened.In this episode, we talk about why crafting a clear narrative for your year is one of the most powerful (and overlooked) tools for preventing burnout, building perspective, and entering the next season grounded instead of reactive.We explore:Why high performers default to focusing on what didn't go wellHow negativity bias distorts your view of the yearThe clinical parallel between helping patients make sense of their story — and doing the same for yourselfWhy even experienced CEOs struggle to give themselves creditOur one-sentence narrative for 2025, shaped by becoming a family of four while expanding our impact in pelvic healthHow reflection creates psychological closure and protects against burnoutWe'll walk you through a simple exercise to help you name your own one-sentence narrative for the year — before you start planning the next one.If you're feeling tired, behind, or like the year slipped by too fast, this episode is your invitation to pause, zoom out, and recognize what you've actually built.About UsNicole and Jesse Cozean founded Pelvic PT Rising to provide clinical and business resources to physical therapists to change the way we treat pelvic health.   PelvicSanity Physical Therapy (www.pelvicsanity.com) together in 2016.  It grew quickly into one of the largest cash-based physical therapy practices in the country.Through Pelvic PT Rising, Nicole has created clinical courses (www.pelvicptrising.com/clinical) to help pelvic health providers gain confidence in their skills and provide frameworks to get better patient outcomes.  Together, Jesse and Nicole have helped 800+ pelvic practices start and grow through the Pelvic PT Rising Business Programs (www.pelvicptrising.com/business) to build a practice that works for them! Get in Touch!Learn more at www.pelvicptrising.com, follow Nicole @nicolecozeandpt (www.instagram.com/nicolecozeandpt) or reach out via email (nicole@pelvicsanity.com).Check out our Clinical Courses, Business Resources and learn more about us at Pelvic PT Rising...Let's Continue to Rise!

As we begin the new year, this New Year's Day market outlook takes a balanced, risk-aware look at what 2026 may hold for investors. Lance Roberts & Danny Ratliff examine the bullish case for markets, including the macro and technical backdrops supporting higher prices, while also addressing the growing risks beneath the surface—particularly stress in credit markets and the potential for lower long-term returns. The discussion explores how elevated valuations, tighter financial conditions, and shifting economic dynamics could impact portfolio outcomes in the year ahead. We also outline practical investment strategies for 2026, including why cash can provide valuable optionality during periods of volatility and uncertainty. Additional topics include a preview of the 2026 Economic Summit, sector opportunities such as energy, expectations for gold and silver, and a critical discussion of which investments may be inappropriate to hold inside a Roth IRA structure. This episode is designed to help investors set realistic expectations, manage risk, and position portfolios thoughtfully for the year ahead. 0:00 - INTRO 0:18 - Market Outlook for 2026 2:12 - The Case for Bullishness 7:15 - The Risk for Lower Returns 9:44 - The Case for Bearishness 13:24 - Stress in Credit markets 15:33 - Investing Strategies for 2026 20:40 - Cash Provides Optionality 23:48 - 2026 Economic Summit Preview 29:17 - Energy Plays for 2026 32:20 - Expectations for Gold and Silver in 2026 39:15 - What Investments Should NOT Be Held in a Roth IRA? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=x5ZwEVKb4e0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Marketing for Financial Advisors in the AI Age - Greg Joslyn Interview," here: https://youtube.com/live/Rz5VtHnobEk?feature=share -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #2026MarketOutlook #InvestingStrategy #MarketRisk #PortfolioManagement #FinancialPlanning

Spotify exclusive. Credit an alle Künstler, wenn du wissen willst welcher song message minute, zu faul jetzt für timestamps weil sonst lade ichs gar nicht erst hoch

There's been a lot of buzz surrounding Ghost's possible return in Power Book IV: Force Season 3 Episode 10 after IMDb briefly listed Omari Hardwick in the cast only for the credit to later be removed.In this video, we break down:Why IMDb listed Ghost for Episode 10Why the credit may have been removedWhether this signals a real appearance, a flashback, or a placeholder listingHow this fits into the current Power Universe storylineIs Ghost really coming back… or is this just internet speculation gaining traction?

Lewis Hyde, a celebrated scholar, essayist, literary critic and poet, wrote two classic books on aspects of the commons -- 'The Gift,' in 1979, about the power of gift-exchange in forging and maintaining social reciprocity, and 'Common as Air,' in 2010, about creativity as a force nourished by cultural commons. In this episode, Hyde discusses the origins of his striking perspectives on creativity as a gift that must be shared ("the gift must always move"), and the ways in which the US Founding Fathers sought to protect the free circulation and sharing of knowledge rather thane excessive private control through copyrights and patents. More more on the commons, visit www.Bollier.org. Credit for photo of Hyde: Anna Schuleit Haber

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this New Year's Eve Headline Brief of The Wright Report, Bryan delivers major economic updates, exposes collapsing green energy narratives, explains the White House's aggressive new asylum strategy, and revisits the explosive Somali fraud scandal in Minnesota that is now dominating national politics. He closes with a reflection on truth, power, and why elites work so hard to stop Americans from asking hard questions. Good News for Your Wallet: Pending home sales jumped 3.3 percent in November, the strongest showing in three years, driven by rising wages and lower mortgage rates. Rents are falling across most major cities, creating the most renter-friendly market in at least a decade. HUD data shows that two-thirds of rental demand came from the foreign-born, meaning deportations and self deportations are directly increasing housing supply and lowering prices for native born Americans. The Cheap Labor Myth Collapses: After more than two and a half million illegal migrants have left the country, GDP and wages are rising while rents and crime fall. Bryan argues Americans were lied to for decades by elites who claimed cheap foreign labor was necessary. The data now shows the opposite, and he calls the moment revolutionary. Green Energy Reality Check: China's renewable energy boom is largely a mirage, with many wind and solar projects never connected to the grid. Beijing is simultaneously expanding coal plants across Southeast Asia. Global wind speeds and solar efficiency are declining, and Japan is restricting solar farms for environmental and aesthetic reasons. Bryan says the global green movement is now in retreat. Trump's New Asylum Strategy: The White House is canceling large numbers of asylum claims and sending others to third countries like South Sudan or Palau while cases are reviewed. The administration says most asylum claims are fraudulent and designed to exploit loopholes. Democrats accuse Trump of abandoning human rights. DOJ Targets DEI Programs: The Justice Department is using the False Claims Act to pressure federal contractors to dismantle Diversity, Equity, and Inclusion programs. Companies must either eliminate DEI or face massive fines for defrauding the government. Universities Face a Financial Shake-Up: The Trump administration wants universities and venture capital firms to share profits from taxpayer-funded research. Commerce Secretary Howard Lutnick is pushing for equity stakes or cash returns when patents are commercialized. Elon Musk Enters the Midterm Fight: Despite past clashes with Republicans, Elon Musk says he will spend hundreds of millions of dollars to help the GOP keep Congress. He cites fears of Democrat censorship, economic control, and what he calls ideological extremism. Minnesota's Somali Fraud Scandal Explodes: Federal investigators say Somali-run nonprofits defrauded taxpayers of at least nine billion dollars through fake daycares, autism services, food programs, and Medicaid scams. Money funded luxury lifestyles, Islamist terror groups, and Democratic campaigns. Governor Tim Walz halted earlier investigations after activists accused the state of racism. A Somali academic told the New York Times that fraud is culturally encouraged, a statement Walz has avoided addressing. Bryan explains why Elon Musk now calls the governor "Traitor Tim." A New Year's Reflection: Bryan closes by urging listeners to reject elite deflections and keep demanding the truth. He argues that the real battle ahead is not left versus right, but truth versus lies, and promises that this podcast will continue to challenge power with facts, logic, and reason in the year ahead.   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: pending home sales rent decline deportations, cheap labor myth wages GDP, China coal expansion fake green energy, Trump asylum third country policy, DOJ False Claims Act DEI, university patent profit sharing Lutnick, Elon Musk GOP midterms funding, Minnesota Somali fraud nine billion dollars, Tim Walz investigation, al Shabaab terror funding

Greg shares his life story from becoming a CEO, losing everything, and rebuilding his life.⁣ ⁣ Contact Greg ⁣ Greg.snavely@gmail ⁣ https://www.instagram.com/greg.snavely/?hl=en⁣ ⁣ Get 50% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout.⁣ ⁣ Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣

Iconic American tool brand was all but dead in the water. But someone has bought them. What can they do now to ensure they won't go under?Video version of this episode https://youtube.com/live/OpR9zTSohTESign up for my daily deal emails - https://mailchi.mp/731woodworks/daily-tool-dealsI get commissions for purchases made through links in this post. This helps my channel and allows me to keep finding these amazing deals!Shopsmith Website - https://www.shopsmith.comTool Deals of the Week:New Years Sale 731 Woodworks 26% off code NY2026 https://www.731woodworks.com/storeTayTools Mystery Boxes https://lddy.no/1nvtw CMT 40T Blade https://lddy.no/1nvtx Up to $450 Credit toward SawStop Accessories https://rocklercompaniesinc.pxf.io/nXqNM9 Milwaukee M18 FORGE Deal w/ FREE Battery - https://homedepot.sjv.io/e13qLX Dust Collection Deals - https://rocklercompaniesinc.pxf.io/xLB0Qy Router Tools and Accessories Deals - https://rocklercompaniesinc.pxf.io/6y0AYb Woodworking Jig Deals - https://rocklercompaniesinc.pxf.io/55RXZb Join Sawdust Startups https://www.skool.com/sawduststartupsTurn Your Woodworking Hobby Into Your First Sale — without needing a fancy shop, spending hours on YouTube, or trying to figure it out alone.Support the show

Miller Bonds and Noah Berry visit with Tom and Jason in Starkville as Platinum sponsors of the 2025 Row Crop Short Course.  Find out more at https://www.firstsouthfarmcredit.com   For more episodes from the Crop Doctors, visit our website at http://extension.msstate.edu/shows/mississippi-crop-situation  

When did we think that the parents we hadn't met yet would start popping up? Can you tell us more about Decoder Ring? And how did Dr. Prometheus get on the parent phone tree? All that and more on this Afterparty!We're playing Masks for this campaign! You can access a running list of all the NPCs from Campaign 4 here.Sponsors- Bookshop.org, where the code we shared in the midroll will get you 10% off your order!Find Us Online- website: https://jointhepartypod.com- patreon: https://patreon.com/jointhepartypod- instagram: https://instagram.com/jointhepartypod- twitter: https://twitter.com/jointhepartypod- tumblr: https://jointhepartypod.tumblr.com- facebook: https://facebook.com/jointhepartypod- merch & music: http://jointhepartypod.com/merchCast & Crew- Game Master, Co-Producer: Eric Silver- Co-Host, Co-Producer, Sound Designer, Composer (Connor Lyons): Brandon Grugle- Co-Host, Co-Producer, Editor (Shelley Craft): Julia Schifini- Co-Host, Co-Producer (Rowan Rosen): Amanda McLoughlin- Artwork: Allyson Wakeman- Multitude: https://multitude.productionsAbout UsJoin the Party is an actual play podcast with tangible worlds, genre-pushing storytelling, and collaborators who make each other laugh each week. We welcome everyone to the table, from longtime players to folks who've never touched a roleplaying game before. Hop into our current campaign: the drama and excitement of a superhero high school! Or marathon our completed stories: Campaign 3 for a pirate story set in a world of plant- and bug-folk, the Camp-Paign for a MOTW game set in a weird summer camp, Campaign 2 for a modern superhero game, and Campaign 1 for a high fantasy story. And once a month we release the Afterparty, where we answer your questions about the show and how we play the game. New episodes every Tuesday.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction 00:22 Sam Introduction00:47 Background and Inspiration for Autopilot02:24 Autopilot Features and Demo03:40 Lowest Fare Guarantee Explained04:28 Family Reservations and Billing05:24 Supported Airlines and Limitations07:31 Autopilot Pro and Award Tracking08:22 Seat Upgrade Alerts and Bidding System09:50 Managing Reservations and Status Goals13:06 Future Plans and Hotel Integration18:18 Importing Flight Data into Autopilot21:06 Pricing Model and Customer Feedback30:53 Conclusion and Final ThoughtsYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Sam/autopilot at:➤ Website: https://withautopilot.com ➤ App / Dashboard: https://fly.withautopilot.com Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Send us a textIn this episode of Mind Your Nest, host Jennifer H. Rosen shares real life stories from her work as a daily money manager and explains why reviewing your bills line by line truly matters. From cable and internet accounts to furniture financing and auto debits that never happen, Jennifer walks through common billing mistakes that quietly cost people money and sometimes put their credit at risk.She reflects on hours spent on the phone with customer service, unexpected charges like paper billing fees, missing credits for returned equipment, and how easily small line items can add up over time. Jennifer also explores why many people give up and just pay the bill and how that habit often hurts the people who can least afford it.This episode is a reminder to advocate for yourself, ask questions, request corrections, and take the time to understand what you are being charged and why. Whether you are managing your own finances or helping a loved one, this conversation highlights how awareness, patience, and persistence can protect your money and your peace of mind.Contact Jennifer Rosen:Email: jennifer@mindyournest.com

In Today's Episode: Host: Brandon Elliott,  https://zez.am/brandonelliottinvestments ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links:  How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report: https://www.myscoreiq.com/get-fico-max.aspx?offercode=432121Z8 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon:  Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott:  Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148

In this episode, Mike Babbitt from Synovus is on the podcast to talk about the inherent risks associated with importing goods, and how you can reduce that risk especially when starting with new suppliers. He shares various strategies to illustrate these challenges, and the importance of understanding the international trade landscape.   Mike Babbitt, Synovus's Head of Trade and Supply Chain Finance Origination, is on the podcast today to talk about the various risks that importers (and exporters) are facing in 2025 and 2026 and how you as an importer can protect yourself when importing.    Mike also talks about the various trends he's observed over the years and how we're slowly moving to a "just right" inventory model.    If you're looking to expand your product portfolio with new suppliers, this episode may be for you.    Timestamps 00:00 - Introduction to International Trade and Sonovus Bank 02:56 - Understanding Risks in Importing and Exporting 05:55 - Mitigating Risks with Letters of Credit 09:02 - Practical Scenarios for Using Letters of Credit 11:55 - Exploring Trade Financing Mechanisms 14:57 - Current Trends in Importing and Exporting 17:54 - Reconfiguring Supply Chains and Reshoring 21:06 - Economic Outlook and Consumer Confidence 24:01 - Conclusion and Contact Information Mike, thanks for coming on the podcast. If you'd like to reach out to Mike, you can check him out on his LinkedIn page here.   As always, if you have any questions or anything that you need help with, leave a comment down below if you're interested.   Don't forget to leave us a review on iTunes if you enjoy our content.   Thanks for listening!   Until next time, happy selling!

Shawn's InKind referral - https://app.inkind.com/refer/4FJZRGUZ Episode Description On this episode of MTM Travel we shake off the post-Christmas blues with some fun discussion about travel and credit cards. Shawn just returned from his Christmas cruise on Princess. He discusses how it was unique plus his strategy for earning free casino cruises. We also discuss: how we're maximizing all of our end of year credits, Mark's lesser known triple dip, struggling with kids & technology, InKind's expanded bonus + snow tubing in Norway and the Six Flags Saudi Arabia opening. 0:00 Welcome to MTM Travel 0:25 Christmas cruising on the high seas 4:09 Shawn's free cruise casino strategy 9:25 The parent's struggle with technology 12:27 How cruises expand a child's social world 15:14 Maximizing end of year credits - The big blitz & tricks along the way 23:55 Mark's lesser known end of year triple dip 30:55 InKind keeps getting better + increased referrals 35:43 Snow tubing in Norway + Six Flags Qiddiya opens Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

In this episode of Bowel Sounds, hosts Dr. Jordan Whatley and Dr. Jenn Lee talk to Dr. Naylor Brownell, Pediatric Gastroenterologist and Co-Director of the Pancreatic Disorders Program at the Children's Hospital of Philadelphia, who provides care in the Jill and Mark Fishman Center for Lymphatic Disorders. We talk about lymphatic conditions and their effect on the GI tract, as well as the diagnosis and management of primary intestinal lymphangiectasia.Learning Objectives1.  Understand the structure and function of the lymphatic system2.  Describe the causes of protein losing enteropathy (PLE) and how they are diagnosed3.  Understand the management of children with primary intestinal lymphangiectasiaLinkshttps://www.chop.edu/centers-programs/jill-and-mark-fishman-center-lymphatic-disordersSupport the showThis episode may be eligible for CME credit! Once you have listened to the episode, click this link to claim your credit. Credit is available to NASPGHAN members (if you are not a member, you should probably sign up). And thank you to the NASPGHAN Professional Education Committee for their review!As always, the discussion, views, and recommendations in this podcast are the sole responsibility of the hosts and guests and are subject to change over time with advances in the field.Check out our merch website!Follow us on Bluesky, Twitter, Facebook and Instagram for all the latest news and upcoming episodes.Click here to support the show.

A deep dive into the underground banking system. ⁣ ⁣ Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7⁣ ⁣ Get 50% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout.⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣

00:00 - Marc Bertrand and Phil Perry discuss the Patriots blowout win over the Jets Sunday08:26 - Did Sunday's performance cement Drake Maye as the NFL MVP?23:50 - Ranking the Top 5 Patriots most responsible for the franchise turnaround. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.