Podcasts about Credit

Private credit has exploded in popularity, drawing the attention of investors and regulators alike. Sean Aylmer is joined by Roger Montgomery from Montgomery Investment Management to explain why banks have stepped back from business lending, how non-bank lenders have filled the gap, and why private credit has become so attractive for income-seeking investors. Roger also outlines the key risks to watch for, and the importance of independent credit ratings when choosing a fund. Learn more about Montgomery’s private credit funds atwww.montinvest.com/privatecredit For more information, visit www.montinvest.com or call 02 8046 5000.Follow Roger’s insights at www.rogermontgomery.com This is Fear & Greed's summer series - all-new short episodes every day, with regular news back from January 12. This episode is brought to you by Montgomery Investment Management. All information is general in nature. If you want to invest, we recommend you visit a financial advisor who can tailor investments to your needs.Find out more: https://fearandgreed.com.au/See omnystudio.com/listener for privacy information.

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⁣ Nathaniel Smith shares his life story of addiction and crime. ⁣ ⁣ Struggling with addiction? Call (855) 491-5557 Justin Broughton⁣ https://impactwellnessnetwork.com⁣ ⁣ Get 50% sitewide for a limited time. Just visit GhostBed.com/cox and use code COX at checkout.⁣ Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7⁣ ⁣ 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 ⁣ ⁣

In this podcast episode, we'll talk about last-minute uses for dining credits, AA bonvoying us, but too late to earn a Bonvoyed award, and we pick 2025's Deal of the Year. Giant Mailbag(01:24) - PSA for Dining credits(04:17) - Vote for your favorite soon: polls close 12/31You can vote here.(04:52) - Our Bonvoyed of the year picks(05:14) - The People have spokenBonvoyed(11:02) - AA: No more miles or Loyalty Points on Basic Economy fares with American AirlinesRead more about this here.Main Event: 2025 Deal of the Year(13:58) - Last year's "Deal of the Year" (2024)(17:58) - 2025 Candidates for "Deal of the Year"(18:15) - Airline & Hotel DealsRead more about Japan Airlines here.(19:23) - Learn more about Nick's JetBlue 25 for 25 journey here.(20:23) - Learn more about Wyndham's promo here.(21:11) - Credit card dealsLearn more about the Alaska Atmos Summit card here,(23:19) - Learn more about the American Express Platinum cards here.(27:50) - Learn more about the targeted American Express Business Platinum offer here.(28:48) - Learn more about the (now dead) Rakuten deal here.(30:55) - Learn more about the Citi Strata Elite recovery here.(33:43) - Learn more about Citi's addition of American Airlines as a transfer partner here.(35:36) - Other dealsLearn more about the Rakuten portal, earning Bilt points here.(37L17) - Our picks for "Deal of the Year."Question of the Week(45:12) - Anyone having trouble using Hyatt Suite Upgrade awards when using a third party like The Edit by Chase Travel℠ or Amex Fine Hotels & Resorts®?Subscribe and FollowVisit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “Ocean Deep” by Annie YoderMentioned in this episode:Check out this...

Interview recorded - 17th of December, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Alasdair Macleod. Alasdair is an educator for sound money, economics, geopolitics and everything to do with gold and silver. During our conversation we spoke about his review of 2025, inflation, liquidity issues, what to look for in 2026, changing monetary trajectory, Chinese strategy and more. I hope you enjoy!0:00 - Introduction1:26 - Review of 20253:40 - Inflation5:49 - Liquidity issues13:26 - JP Morgan buying bonds15:26 - Global issues21:12 - 2026 trends21:42 - Changing monetary trajectory24:06 - Chinese strategy28:54 - One message to takeaway?Alasdair Macleod is is an educator and advocates for sound money through demystifying finance and economics. His background includes being a stockbroker, banker, and economist.Alasdair Macleod started his career as a stockbroker in 1970 on the London Stock Exchange. Within nine years, he had risen to become senior partner of his firm.Subsequently, he held positions at the director level in investment management and worked as a mutual fund manager. Mr. Macleod also worked at a bank in Guernsey as an executive director.For most of his 40 years in the finance industry, he has been demystifying macroeconomic events for his investing clients. The accumulation of this experience has convinced him that unsound monetary policies are the most destructive weapon governments use against the common man. Accordingly, his mission is to educate and inform the public in layman's terms what governments do with money and how to protect themselves from the consequences.Alasdair Macleod - Substack - https://alasdairmacleod.substack.com/Twitter - https://twitter.com/MacleodFinanceLinkedIn - https://www.linkedin.com/in/alasdair-macleod-9494b27/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

Happy Holidays from Frequency Podcast Network! Over the next couple weeks, we'll be joined by the Friends of Frequency (FOF).In this special feed drop on The Big Story, Host Kris McCusker speaks to Kelley Keehn, CEO of the Money Wise Institute to discuss the dos and don'ts of Buy Now Pay Later payment options. The two break down how to spend wisely this holiday season and how to not fall into dangerous spending habits you can't ultimately keep up with. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter

Are you up to date on how to manage infusion site reactions for patients using continuous subcutaneous medication for Parkinson disease? Credit available for this activity expires: 12/24/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/approval-practice-expert-approaches-infusion-site-reactions-2025a100101n?ecd=bdc_podcast_libsyn_mscpedu

We don't have to make money on our feet. We can make money in our sleep.In this episode of @InsideTheVault, @IamAshCash sits down with Boston-raised, Atlanta-paid digital wealth architect Darius Benders and this one is pure leverage, blueprint, and execution.Darius breaks down why most entrepreneurs don't have a “money problem”They've got a speed problem.You'll learn the exact framework behind:Building funding the right way (without fumbling the bag)The real difference between good debt vs bad debtHow to strategically stack credit cards based on what bureaus banks pullThe first moves to make with your first $50K so it multipliesWhy “visibility beats ability” and how to build authority fastThe webinar habit that can change your life in 12 monthsHow to deploy money into marketing using other people's audiencesWhy mentorship collapses time and turns decades into daysIf you're trying to fund your business, build digital income, and stop guessing your way into success, this episode is a must-watch.✅ Subscribe to @InsideTheVault✅ Share this with a friend who's serious about building✅ Drop a comment: “VAULT” if you want more episodes like thisSign up for Darius's 3-Day Challenge: https://getthebagflipthebag.com/3-day-challenge⏱️ Chapters & Timestamps 00:00 Make money in your sleep (the mindset shift)01:00 Text “MY BOOK” and monetize your story CTA moment01:56 “This will change your life” episode intro02:43 Meet Darius Benders: $4M+ digital products and funding mentor06:09 Biggest misconception about other people's money07:17 Good debt vs bad debt (and investing in YOU)08:53 The 3 things you need to get approved for funding10:43 Credit bureaus + stacking strategy (how people get to $100K)12:19 The smartest way to deploy your first $50K13:23 Marketing the right way: OPA, podcasts, clips, and ads18:43 The weekly webinar “cheat code” to build confidence + cash20:08 Funding mistakes that kill approvals (relationship stacking)22:01 Big banks vs credit unions (double dip + comparable limits)23:44 Using leverage with a 9-to-5 (build before you quit)25:40 Pandemic pivot: nightlife to digital income35:31 The offer model that changed everything: virtual events36:29 Why digital products fail: no sales mechanism + no data38:01 $10K vs $100K months: spending + scaling with numbers41:43 What to unlearn to make real money (cost vs value)49:10 One habit to scale fast: delegate and let go53:55 Final gem: hyper-intention and cutting distractions55:03 Outro + tap in for Darius' free 3-day mastermindAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

(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 Biggest Transfer Bonus of the Year00:11 Finding Business Class Deals to Europe05:46 Exploring South American Flight Deals09:23 Luxurious Flights to the Middle East12:54 Incredible Deals to Asia17:12 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.

Margaret Heffernan didn't start out in business. Until her mid-30s, she was enjoying a successful career at the BBC, producing and directing TV dramas and documentaries. But she was always curious about a career in the corporate world. She decided to take the plunge and took on roles in the US. It was as CEO of a tech firm when Margaret discovered she was being paid 50% less than her male counterparts that she faced one of her biggest decisions. As she explains to Evan Davis, should she speak out and risk the consequences or put up and shut up?(Image: Margaret Heffernan. Credit: mheffernan.com)

There's no doubt that the holidays can be an extremely stressful time for many people. Whether you're dealing with loneliness and depression, family trauma, politically opinionated cousins, or staying disciplined with what you eat, there are a lot of landmines hidden among the holiday cheer. The good news is there are also highly effective tools and tricks that can help you navigate all of the potential difficulties that can crop up this time of year. By framing things in the right way, setting expectations for yourself and those around you, and looking for ways to find and deepen human connection, you can turn a potentially stressful time into one of the most beautiful times of the year. SHOW NOTES: 00:00 | Introduction 00:47 | Dealing with Loneliness 10:24 | Maintaining Discipline at Holiday Meals 18:40 | Navigate Emotional Storms in the Family 32:25 | Working Through the Holidays? 37:06 | Faking It With Family 44:10 | Fill Your Heart With Love Check out our sponsors: Indeed: Get a FREE $75 CREDIT to upgrade your job post at indeed.com/IMPACT Pique: Go to piquetea.com/impact and use code IMPACT at checkout to get 5% off sitewide + FREE SHIPPING when you purchase a pu'er bundle! Backcountry: Go to Backcountry.com/theory and enter promo code THEORY to get 15% OFF your first full-priced purchase. Blinkist: Go to ⁠https://blinkist.com/impact⁠ Try it FREE for 7 days and save 25% off your new subscription. InsideTracker: Get 25% off their entire store at insidetracker.com/impacttheory Are You Ready for EXTRA Impact? If you're ready to find true fulfillment, strengthen your focus, and ignite your true potential, the Impact Theory subscription was created just for you. Want to transform your health, sharpen your mindset, improve your relationship, or conquer the business world? This is your epicenter of greatness.  This is not for the faint of heart. This is for those who dare to learn obsessively, every day, day after day. Subscription Benefits: Unlock the gates to a treasure trove of wisdom from inspiring guests like Andrew Huberman, Mel Robbins, Hal Elrod, Matthew McConaughey, and many, many, moreNew episodes delivered ad-freeExclusive access to Tom's AMAs, keynote speeches, and suggestions from his personal reading listYou'll also get access to an 5 additional podcasts with hundreds of archived Impact Theory episodes, meticulously curated into themed playlists covering health, mindset, business, relationships, and more:⁠Legendary Mindset⁠: Mindset & Self-Improvement⁠Money Mindset⁠: Business & Finance⁠Relationship Theory:⁠ Relationships⁠Health Theory⁠: Mental & Physical Health⁠Power Ups:⁠ Weekly Doses of Short Motivational Quotes  Subscribe on Apple Podcasts: ⁠https://apple.co/3PCvJaz⁠ Subscribe on all other platforms (Google Podcasts, Spotify, Castro, Downcast, Overcast, Pocket Casts, Podcast Addict, Podcast Republic, Podkicker, and more) : ⁠https://impacttheorynetwork.supercast.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Winning consistently at North Carolina has proved a challenge for Hubert Davis. Now in his fifth season, Davis has a team that fits his brand of basketball and his talented roster, led by veteran Seth Trimble, transfer Henri Veesaar and freshman stud Caleb Wilson, sits at 12-1 heading into ACC play. Davis's team has been solid and has yet to reach its full potential. Inside Carolina's Greg Barnes and Tommy Ashley discuss the job Davis has done in the 2025-26 so far. The Inside Carolina Podcast network features a wide range of current UNC sports topics, from game previews and instant postgame analysis, to recruiting breakdowns. IC's stable of writers, insiders and analysts -- plus special guests -- comprise each program. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Strange encounters, chilling investigations, and behind-the-scenes secrets collide as Monsters Lounge hits triple digits and looks back at the moments that still make the lights flicker. Expect laughs, goosebumps, surprises, and a few nods to the spirits that have followed along for the ride. Join hosts Tressa Slater and Jeni Monroe as they mark this eerie achievement and step boldly into the next chapter of the unknown.Episode 100! - Monsters Lounge PodcastFind 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/ 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/⁠⁠⁠⁠ -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 RATE & REVIEW THE PARANORMAL 60 PODCAST WHEREVER YOU Learn more about your ad choices. Visit megaphone.fm/adchoices

DigitalFoundry's John Linneman returns for what is seemingly becoming an annual event: sitting with Brandon Sheffield to discuss games purchased while in Japan. Edited by Esper Quinn, original music by Kurt Feldman.. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: 1: Brandon's F1 Triple Battle, F1 Circus Special: Pole to Win, and F1 Circus '92 Moto Roader Motoroader MC PC Engine Mega Drive 2: John's Ridge Racer V demo and Japanese Ridge Racer 6 Ridge Racer 8-4 Xbox 360 3: Brandon's Out Live: Be Eliminate Yesterday Out Live Sunsoft Kileak: The Blood Daedalus Belzerion Tetsujin Blaster Master: Blasting Again Myst The Manhole Atari Jaguar Abduction 4: John's Tengai Makyō: Daiyon no Mokushiroku - The Apocalypse IV Tengai Makyo series Joe Hisaishi Ryuichi Sakamoto 5: Brandon's Knight Rider Special Chase HQ Magical Chase 6: John's Virtua Fighter for PC Panzer Dragoon NV1 Sega Saturn 3DO Blaster PC-FX FM Towns Amiga Commodore 7: Brandon's Volfied Simple 1500 series Qix Gals Panic 8: John's Namco History Vol. 4 Galaxian Galaga Gaplus Bosconian King & Balloon Warp & Warp Namco Museum series Namco Anthology series Valkyrie no Bōken: Toki no Kagi Densetsu Konami Game Collection series 9: Brandon's Koudelka and Clock Tower II demos Shadow Hearts series Nier series Clock Tower 10: John's Hungry Ghosts Tokuro Fujiwara Ghouls n' Ghosts Extermination Hidetaka Suehiro King's Field Baroque Hungry Ghosts: You are being watched. You are being judged. - Kimimi the Game Eating-She Monster 11: Brandon's RayForce soundtrack Zuntata Xevious 12: John's Goemon: Shin Sedai Shūmei! Ganbare Goemon series 13: Brandon's Anearth Fantasy Stories: The First Volume Seiya Monogatari: Anearth Fantasy Stories 14: John's Gunparade Orchestra Sakura Taisen series Phase Paradox Philosoma Cosmic Smash 15: Brandon's Cardcaptor Sakura: Clow Card Magic Twinkle Star Sprites Tetris with Cardcaptor Sakura: Eternal Heart Tetris: The Grand Master 16: John's Virtual Boy Wario Land Virtual Boy Pochita Tatsuki Fujimoto Gunpei Yokoi WonderSwan Gunpey 17: Brandon's Macross VF-X2 HUMMING BIRD Ace Combat series 18: Brandon's The Note Doctor Hauzer 19: Brandon's Laplace no Ma Insert Credit Gaiden is brought to you by patrons like you. Thank you. Subscribe: RSS, Apple Podcasts, Google Podcasts, Spotify, and more!

DigitalFoundry's John Linneman returns for what is seemingly becoming an annual event: sitting with Brandon Sheffield to discuss games purchased while in Japan. Edited by Esper Quinn, original music by Kurt Feldman.. Watch episodes with full video on YouTube Discuss this episode in the Insert Credit Forums SHOW NOTES: 1: Brandon's F1 Triple Battle, F1 Circus Special: Pole to Win, and F1 Circus '92 Moto Roader Motoroader MC PC Engine Mega Drive 2: John's Ridge Racer V demo and Japanese Ridge Racer 6 Ridge Racer 8-4 Xbox 360 3: Brandon's Out Live: Be Eliminate Yesterday Out Live Sunsoft Kileak: The Blood Daedalus Belzerion Tetsujin Blaster Master: Blasting Again Myst The Manhole Atari Jaguar Abduction 4: John's Tengai Makyō: Daiyon no Mokushiroku - The Apocalypse IV Tengai Makyo series Joe Hisaishi Ryuichi Sakamoto 5: Brandon's Knight Rider Special Chase HQ Magical Chase 6: John's Virtua Fighter for PC Panzer Dragoon NV1 Sega Saturn 3DO Blaster PC-FX FM Towns Amiga Commodore 7: Brandon's Volfied Simple 1500 series Qix Gals Panic 8: John's Namco History Vol. 4 Galaxian Galaga Gaplus Bosconian King & Balloon Warp & Warp Namco Museum series Namco Anthology series Valkyrie no Bōken: Toki no Kagi Densetsu Konami Game Collection series 9: Brandon's Koudelka and Clock Tower II demos Shadow Hearts series Nier series Clock Tower 10: John's Hungry Ghosts Tokuro Fujiwara Ghouls n' Ghosts Extermination Hidetaka Suehiro King's Field Baroque Hungry Ghosts: You are being watched. You are being judged. - Kimimi the Game Eating-She Monster 11: Brandon's RayForce soundtrack Zuntata Xevious 12: John's Goemon: Shin Sedai Shūmei! Ganbare Goemon series 13: Brandon's Anearth Fantasy Stories: The First Volume Seiya Monogatari: Anearth Fantasy Stories 14: John's Gunparade Orchestra Sakura Taisen series Phase Paradox Philosoma Cosmic Smash 15: Brandon's Cardcaptor Sakura: Clow Card Magic Twinkle Star Sprites Tetris with Cardcaptor Sakura: Eternal Heart Tetris: The Grand Master 16: John's Virtual Boy Wario Land Virtual Boy Pochita Tatsuki Fujimoto Gunpei Yokoi WonderSwan Gunpey 17: Brandon's Macross VF-X2 HUMMING BIRD Ace Combat series 18: Brandon's The Note Doctor Hauzer 19: Brandon's Laplace no Ma Insert Credit Gaiden is brought to you by patrons like you. Thank you. Subscribe: RSS, Apple Podcasts, Google Podcasts, Spotify, and more!

Jeff was a high flying successful New York real estate attorney. He lost his law license and eventually received a sentence in Federal Prison; Jeff's law license has since been reinstated. ⁣ ⁣ To reach Jeffrey D. Grant, Esq. (Jeff Grant) White Collar Attorney: GrantLaw.com, jgrant@grantlaw.com⁣ (212) 859-3512⁣ White Collar Support Group: prisonist.org⁣ White Collar Conference: whitecollarconference.com⁣ ⁣ 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 ⁣ ⁣

Navigating Business Growth with Patience & PurposeWelcome back to the Embodied Baddie Podcast ✨In this solo episode, Chrystal unpacks a powerful four-year framework for business growth she recently heard from Faith Morris, a remote operations partner whose perspective immediately stopped her in her tracks.After hearing Faith explain this framework on Instagram Stories and in an email, Chrystal felt called to expand on it—through an embodied, nervous-system-aware lens—and explore how this way of thinking can completely change how we experience growth, scaling, and success.No hustle. No panic. Just clarity, timing, and intention.What We Explore in This EpisodeWhy outside perspectives can change everythingSometimes the most impactful insight doesn't come from inside your own brain—or even your own business. Chrystal shares why hearing this framework from Faith helped her reframe “being behind” into being exactly where she's meant to be.The 4-Year Framework for Sustainable Business GrowthYear One: OrientationThis phase is about learning, not proving. You're getting familiar with your business, your leadership, and your capacity. The focus is foundation—not fast revenue.Year Two: ExperimentationYou test. You try. You explore. Some things stick, some don't—and that's the point. This phase builds discernment, not perfection.Year Three: EvaluationHere's where refinement happens. You assess what's actually working, cut what isn't, and strengthen what is. This is where businesses begin to feel cleaner and more confident.Year Four: AccelerationOnly after the groundwork is laid does true scaling make sense. Growth in this phase feels expansive—not chaotic—because the systems, clarity, and nervous system capacity are already there.Why patience is a strategic advantageChrystal breaks down how trying to skip phases often leads to burnout, resentment, and unnecessary complexity—and why honoring timing creates more sustainable success.An embodied take on growth & coachingThis framework pairs beautifully with somatic work. When your nervous system is regulated, you're able to move through each phase with intention instead of urgency.Why revisiting the basics is leadership, not regressionEven advanced entrepreneurs benefit from reassessing foundations. Sustainable growth requires ongoing reflection—not constant acceleration.Take This With YouNotice where you might be rushing a phase your business hasn't completedGive yourself permission to be in processUse experimentation as data, not a verdictBuild in regular moments of evaluation and recalibrationYou're not behind. You're building something that lasts.Final ThoughtsBuilding a business is a long-term relationship. When you respect each phase, you create something that supports your life—not consumes it. Growth doesn't need to be forced to be powerful.✨ Credit where it's due: This four-year framework was inspired by insights shared by Faith Morris—and expanded here through an embodied lens. You can learn more about Faith on her instagram @remote.ops.partner or her website www.faithemorris.comIf this episode resonated, subscribe, leave a review, and share it with a fellow founder who needs this reminder.For more embodied leadership and sustainable growth, follow Chrystal on Instagram @xtalrose

Patricia & Christian talk to economist Dr Sam Levey about films set in the world of finance, including Trading Places, The Big Short, The Wolf Of Wall Street, Boiler Room and Inside Job. (Conversation recorded in 2023).   Please help sustain this podcast!  Patrons get early access to all episodes and patron-only episodes: https://www.patreon.com/MMTpodcast   LIVE EVENT! THE FAUXBEL PRIZE IN ECONOMICS 2026

Hear award-winning columnist Dejan Kovacevic's Daily Shots of Steelers, Penguins and Pirates -- three separate podcasts -- every weekday morning on the DK Pittsburgh Sports podcasting network, available on all platforms: https://linktr.ee/dkpghsports Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Lead-Lag Live, I sit down with Jay Hatfield, CEO of Infrastructure Capital Advisors, to break down what the Fed's latest rate cuts mean for markets, income investors, and portfolio positioning heading into 2026.From a potential melt-up toward 7,000 on the S&P 500 to why preferreds, high yield credit, and small-cap value could outperform as rates fall, Hatfield explains how investors can navigate a market caught between easing policy, slowing growth, and lingering inflation uncertainty.In this episode:– Why Fed cuts historically favor risk assets and income strategies– How preferred stocks and high yield credit could see upside beyond yield– Why small caps benefit from rotation away from mega-cap tech– How dividend and equity income strategies reduce portfolio volatility– What Jay expects for inflation, rates, and markets into 2026Lead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.Start your adventure with TableTalk Friday: A D&D Podcast at the link below or wherever you get your podcasts!Youtube: https://youtube.com/playlist?list=PLgB6B-mAeWlPM9KzGJ2O4cU0-m5lO0lkr&si=W_-jLsiREjyAIgEsSpotify: https://open.spotify.com/show/75YJ921WGQqUtwxRT71UQB?si=4R6kaAYOTtO2V Support the show

As we close out the year and head into the holidays, we're revisiting some of the most impactful conversations from Wealthion in 2025. Whether you're watching for the first time or revisiting it with fresh perspective, we hope you enjoy. All the best for a happy, healthy, and prosperous New Year!

SACRIFICE EVERYTHING Thank you for listening to our podcast I hope we motivated you a little today. SUPPORT MY PODCAST: Buy me a coffee - https://ko-fi.com/bethebestyoupodcast ✅ Follow me:

Ever wonder how a website knows your credit card number is "invalid" before you even hit the submit button? In this commando-style holiday episode, Pete and Noah dive into the secrets of Luhn's Algorithm, a clever approach that uses simple arithmetic to validate sequences of digits. Leave us a voice message Find us on Twitter Send us an email

Alarming in immunoglobulin A nephropathy (IgAN): over 40% present late. Explore latest advancements in management of the most common cause of primary glomerulonephritis worldwide. Credit available for this activity expires: 12/23/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/navigating-challenges-igan-management-clinical-implications-2025a1000w9b?ecd=bdc_podcast_libsyn_mscpedu

Money is getting TIGHT everywhere. Student loan wage garnishments start in January, Americans racked up $1,223 in holiday debt, hackers stole $2.7 billion in crypto, and the EV industry just hit a wall. We break down all four stories and what they mean for your money.QUICK UPDATE: Our flight to Michigan got cancelled so we filmed this before leaving Tuesday Dec 23rd. This is our second couples episode - we're still figuring out the format but these stories were too important to wait.STUDENT LOAN WAGE GARNISHMENT RETURNSStarting January 7th, the government will begin garnishing up to 15% of borrowers' wages if they're in default on student loans. This hasn't happened since the pandemic started almost five years ago. Right now 5.3 million borrowers are in default, with another 3.7 million delinquent and 2.7 million in early stages - that's 12 million total borrowers at risk. We explain who's affected, how much they'll lose from their paychecks, what options are available, and why the timing is brutal for people already struggling financially.HOLIDAY DEBT HITS RECORD LEVELSAbout 36% of holiday shoppers went into debt this season, racking up an average of $1,223 on credit cards. Total holiday spending is on track to hit $1 trillion for the first time ever, even though consumer sentiment is terrible. The average credit card balance per person in the US is now $6,523, up 2.2% from last year. With interest rates around 20%, people who only make minimum payments could spend 9-10 months paying off holiday debt - just in time to start the cycle again next year. We discuss why people are spending despite being worried about money and what this debt spiral means.CRYPTO HACKERS STEAL $2.7 BILLION IN 2025Hackers stole $2.7 billion in cryptocurrency in 2025, making it the worst year on record. North Korean state-sponsored hackers were responsible for at least $2 billion of that total. The biggest single theft was $1.4 billion from the Bybit exchange - one of the largest financial heists in human history. We explain how North Korean hackers infiltrate crypto companies by posing as remote IT workers, how they target executives with fake job offers on LinkedIn, how they launder stolen crypto through Chinese money laundering networks, and why North Korea has now stolen $6.75 billion total since 2017 to fund their nuclear weapons program.EV INDUSTRY ENTERS "COOLING-OFF PERIOD"The rapid innovation phase in the EV industry is over. BYD's second-generation blade battery only improved energy density by 12% over five years, compared to nearly doubling it in the previous decade. The average technology iteration cycle for EVs worldwide increased from 1.8 years in 2021 to 3.2 years now. Annual battery energy density growth dropped from 15% to 7%. China's EV penetration is approaching 60%, which means stricter safety regulations starting July 2026. The new standard requires batteries to never catch fire or explode during thermal runaway - a massive engineering challenge. We break down why innovation is slowing, what "technological debt" means, how this changes competition from "who's more advanced" to "who's more solid," and which companies will survive the industry's maturation phase.THE BIG PICTUREAll four stories point to the same reality: the easy money era is ending. Student loan payment pauses are over. Credit is tightening. Crypto isn't as safe as people thought. EV companies can't rely on rapid innovation anymore. Whether you're an individual managing personal finances or watching the EV/crypto industries, things are getting harder and more competitive. This is what happens when temporary support systems end and industries mature.#StudentLoans #CreditCardDebt #CryptoHack #EVIndustry #NorthKorea #HolidayDebt #WageGarnishment #Bitcoin #BYD #Tesla #PersonalFinance #TechNews

We're seeing the same far-right media consolidation in America as during Putin's rise to power. Bari Weiss is the new Roger Ailes, hired to destroy CBS News. The far-right Ellisons are aggressively going after Warner Bros. to build a media monopoly to dumb down more Americans so that we're easier to control.  That's why Andrea spoke at Courier News' Courage & Cowardice event in Washington, DC on December 11. Courier, the team that built the searchable Epstein files database released by Congress, brought together independent journalists and creators who still believe journalism is a public good. The main focus of the conversation, which you can listen to here on Gaslit Nation, was how to build and sustain independent media. Andrea was joined by progressive YouTuber Jack Cocchiarella, Brian Beutler, formerly of Crooked Media and The New Republic who now runs  Off Message; TikTok comedian Meredith Lynch; and in a discussion moderated by veteran editor Mark Jacob, formerly of the Chicago Tribune, to talk about media capitulation and how to fight back. Here's some info on the event.  Luckily, the Media and Democracy Project (MAD) exists and provided us with the following actions you can take:  Make videos highlighting moments of real accountability like celebrating the ABC reporter Mary Bruce who pressed MBS and Trump with tough, substantive questions. Credit your sources clearly and encourage your audience to click through and read the original reporting. Introduce your audience to journalism and media-education initiatives such as States Newsroom, the News Literacy Project, and Rebuild Local News. Synthesize and share this essential explainer from Democracy Forward on the link between local news and democracy: https://democracyfund.org/idea/new-research-explores-connection-between-democracy-and-local-news/ If you're a journalist, whether independent or in a newsroom, regularly lift up the work of your colleagues.  Everyone should keep the conversation of journalism being the bedrock of a democracy front and center. Use your time online wisely: repost, share stories, and boost public-interest journalism whenever you can.  Most importantly, stay connected with MAD. 

POINNNG! When the Christian Devil's demon minions start possessing teachers, our super seniors have to step up and save the school (again).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.

People often ask how a site like ours makes money. In this episode, we'll talk about how we do (and don't) make money talking and writing about miles and points. (00:35) - We have a team of 5, 4 of whom are full-time(01:06) - Greg's been doing this full time since 2012(01:55) - Display ads(05:42) - Miscellaneous affiliate links(06:51) - Credit card affiliate linksYou can see our Best Offers page here, where we display the best credit card offers, regardless of our affiliate income(12:40) - New: Podcast adsVisit https://frequentmiler.com/subscribe to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – Beach Walk by Unicorn HeadsMentioned in this episode:Check out this month's sponsor and support our showJoin the loyalty program for renters at joinbilt.com/mileshttps://joinbilt.com/miles

(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 SavvyTravelMamas00:28 Meet Joy and Mara: The Travel Experts01:43 Timeshare Presentations: Are They Worth It?02:05 Mara's Journey into Points and Miles02:33 The Evolution of Travel Hacking03:28 Discovering the Power of Points05:58 The Big Wins in Points and Miles07:29 The Start of Timeshare Adventures09:07 Navigating Timeshare Presentations10:00 Maximizing Timeshare Benefits12:20 How to Get Targeted for Timeshare Offers14:27 Evaluating Timeshare Deals19:42 Handling Timeshare Presentations Like a Pro31:24 Final Thoughts and Where to Find More TipsYou 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 Joy & Mara at:➤ Instagram: https://www.instagram.com/savvytravelmamas/ ➤ Facebook: https://www.facebook.com/savvytravelmamas/ ➤ TikTok: https://www.tiktok.com/@savvytravelmamas 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.

Dave and Lefko look at how much of an impact the Seahawks’ defensive line has had on their success at stopping offenses, they break down what’s at stake for the Seahawks’ playoff hopes in the final two weeks of the NFL season, they discuss whether Sam Darnold is getting enough credit for how well he has done in late-game situations, and they bring you the latest on the Seahawks injury report. 

Bitcoin is moving beyond speculation into real economic impact. In this Bitcoin Magazine news desk panel, Stafford Masie and Shawn Owen explain how Bitcoin-backed private credit and lending can unlock jobs, growth, and dignity—especially across Africa. The conversation covers informal economies, treasury strategies, and why Bitcoin must be treated separately from crypto.#Bitcoin #BitcoinAdoption #BitcoinLending ⭐️⚔: BORROW AGAINST YOUR BITCOIN WITH SALT

In this podcast, Lord Abbett Portfolio Managers Rob Lee and Steve Rocco explore the factors that could influence the performance of taxable fixed income investments in 2026.

Len Tannenbaum discusses trends to watch in private credit. He discusses the fall in private credit and warning signs investors should watch out for. He says, "in the medium term [private credit] could be challenged."======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Eleanor from the Bygones Podcast joins us once again for another festive edition, this time covering Scrooged, previous guest, Richard Donner's take on A Christmas Carol, starring Bill Murray and Star Trek connection, Carol Kane.    Find a little love in your heart and join us now for the annual Spocklight Christmas Special over the traditional glass of port.    As usual you can find SPOCKLIGHT on: X - @spocklightpod INSTAGRAM – @spocklightpod BLUESKY - @spocklightpod.bsky.social FACEBOOK – https://www.facebook.com/spocklightpod/ EMAIL - spocklightpod@gmail.com Please Follow, like, share and all that good stuff.   Eleanor can be heard on the Bygones Podcast at all good pod places and you can find the pod @BygonesPodcast on X and @bygonespod on Instagram. Credit for our wonderful theme music goes to the incredibly talented, Adam Johnston, with extra special thanks to Rachel Weber for providing the Christmas version of his theme.  Our beautiful artwork was created by Stephen Trumble, see more on Instagram @stephentrumbleanimation 

Repliconradio.com https://linktr.ee/Repliconradio Tune in live 6-10pm central every Monday night For exclusive interviews and more Join our brand new Patreon for exclusive content, more episodes of replicon and exclusive merch!!!!!Www.patreon.com/repliconradio As low as $2 a month Subscribe to our YouTube: youtube.com/repliconradioSUPER CHATS ARE NOW ENABLED and APPRECIATED Tip if you enjoy a live stream COMICS NOW AVAILABLE FROM REPLICON COMICS! REPLICONCOMICS.BIGCARTEL.COM FOLLOW US ON WHATNOT @REPLICON_RADIO USE LINK FOR FREE $10 CREDIT (after 1st purchase ) https://whatnot.com/invite/replicon_radio DONATIONS are also always open click "DONATE NOW" ON REPLICONRADIO.COM MERCH IS ALSO AVAILABLE ON REPLICONRADIO.COM "shop now" OR CLICK https://teespring.com/stores/repliconradio EXCLUSIVE merch at repliconradio.bigcartel.com Follow us on Twitter and Instagram @replicon_radio Facebook replicon radio Email us suggestions, comments or for booking Therepliconiswatching@gmail.com Replicon radio is : FREAKY P @freakyp314 DEADBODY_MAN @deadbody_man BIG ROO @ good luck finding him ! #therepliconiswatching #undergroundunity

Do you know how to recognize ATTR earlier, navigate complex diagnostics, and apply the latest therapeutic innovations?   Credit available for this activity expires: 12/23/2026 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/real-time-insights-diagnosis-and-management-attr-genetic-2025a1000yeo?ecd=bdc_podcast_libsyn_mscpedu

What would you do if it were your patient? Credit available for this activity expires: 12/22/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/building-case-nonsteroidal-topical-atopic-dermatitis-2025a1000zo9?ecd=bdc_podcast_libsyn_mscpedu

Air Date 12/22/2025 It's said that mockery is one of the most effective weapons against dictators. I guess it depends on your goal, but still, there's truth there. And the good thing in that regard is that they are so very mockable. No really nice, likable, non-clownish people make themselves dictators and so the people who do are, without exception, absolutely ridiculous lunatics who deserve all the mockery and disdain in the world. Be part of the show! Leave us a message or text at 202-999-3991, message us on Signal at the handle bestoftheleft.01, or email Jay@BestOfTheLeft.com Full Show Notes In honor of our 20th birthday, we're giving new Members 20% OFF FOR THE LIFETIME OF YOUR MEMBERSHIP...this includes Gift Memberships! (Members Get Bonus Shows + No Ads!) Check out our new show, SOLVED! on YouTube! Join our Discord community! KEY POINTS KP 1: Worlds Most Peaceful Man Finally Wins Peace Prize - Weekly Weird News - Internet Today - Air Date 12-6-25 KP 2: Why Is Trump so Obsessed with the Kennedy Center? - Post Reports - Air Date 8-14-25 KP 3: The Secret Life of Dictators with Frank Dikötter | Andrew Roberts | Hoover Institution Part 1 - The Secrets of Statecraft - Air Date 10-31-25 KP 4: A Guide to Propaganda - Shawn Grenier | The Canvas - Air Date 1-29-23 KP 5: How Dictators Really Control the World I Anne Applebaum Part 1 - Brad Carr - Air Date 9-18-25 KP 6: On The Epstein Loop and Parallel Improvisation - Robert Arnold - Air Date 12-20-25 (00:47:46) NOTE FROM THE EDITOR On Trump's narcissism DEEPER DIVES (00:55:26) SECTION A: MADE UP AWARDS (01:18:24) SECTION B: MONUMENTS TO SELF (01:40:40) SECTION C: PROPAGANDA WORKS (02:08:56) SECTION D: DICTATORS ARE ALL THE SAME MAN (03:04:50) SECTION E: DICTATORSHIPS ALWAYS END HOW IMAGE CREDITS Description: Cartoon image of Trump in the famous portrait of King Louis XIV, with a giant long curly wig, tights and robes. Credit: "donald-trump-louis-xiv-létat" by heblo, Pixabay | Pixabay License   Produced by Jay! Tomlinson Visit us at BestOfTheLeft.com Listen Anywhere! BestOfTheLeft.com/Listen Listen Anywhere! Follow BotL: Bluesky | Mastodon | Threads | X Like at Facebook.com/BestOfTheLeft Contact me directly at Jay@BestOfTheLeft.com  

Feeling overwhelmed by the homebuying process? This episode gives first-time buyers a clear starting point by showing how to use the How to Buy a Home Episode Guide to build confidence, clarity, and a personal education plan.How to Buy a Home 2025 Episode GuideThis end-of-year road trip episode is designed for renters who don't know where to begin — or who feel stuck trying to make sense of conflicting advice online. Instead of pushing tactics or timing, this episode explains how first-time buyers can use education as their advantage.The focus is on building confidence through clarity, understanding what information actually matters, and learning how other real buyers have successfully navigated today's housing market using proven strategies.“You can't control the housing market, but you can 100% control how much information you take in and how confident you become.” - SidoniPopular Podcast TopicsWhere to start as a first-time homebuyerFinding your place in the process and avoiding overwhelm by using the Episode Guide.Rent vs. buy: does buying actually make sense right now?Comparing rent replacement math, lifestyle impact, and long-term strategy.How much money do you really need to buy a home?Why online calculators are misleading and how real buyers close with far less cash.Low down payment options that actually work3%, 3.5% FHA, 5% conventional, VA loans, and down payment assistance programs.Buying a home with student loans or other debtHow buyers qualify while carrying student loans, car payments, or credit cards.Credit scores and common credit mythsWhat lenders really care about, credit pull myths, and why perfection isn't required.Affordability fears and avoiding being house poorMonthly payment comfort, budgeting confidence, and long-term financial stability.Timing your move, not the marketWinter buying advantages, planning around leases, and when breaking a lease can make sense.Market timing vs. having a smart planWhy waiting for a crash backfires and how flat markets still create opportunity.Real renter stories that prove this is possibleLow savings buyers, first-generation homeowners, VA buyers, and high-cost-area success stories.Plus tons of interviews with real renters who have broken the cycle and bought their first home.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeCheck out First Time Home Buyer Stories for full podcast interviews on YouTubeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Support Luis Vasquez Gabriel:⁣ ⁣ TikTok: https://www.tiktok.com/@techtrapper⁣ Instagram: https://www.instagram.com/thetechtrapper1⁣ Website: https://tech-trapper.com⁣ ⁣ ⁣ 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 ⁣ ⁣

Willard and Dibs read a text about Kyle Shanahan and wonder why there are a group of 49ers fans out there who are hesitant to give Kyle Shanahan credit for the coaching job he's done this season.

Good morning, afternoon, and good evening, everybody! Scott Carson here, and boy, are you in for a treat! As we roll into the New Year, many of you are resolving to dive deeper into real estate investing, but that old excuse "I don't have any money" always seems to pop up. Well, prepare to have your mind blown (and your excuses obliterated!) by today's special guest!We've got Lisa Ferris from Georgetown, Texas – a real estate investment legend who's been crushing it for years. She's a master of creative financing, fix & flips, short-term rentals, and leveraging private money. And the best part? She's written a book revealing all her secrets: "How to Find and Fund Any Real Estate Deal: How to Buy Real Estate Without Using Your Own Cash or Credit." Forget the banks; Lisa proves you don't need 'em!Here's what you'll learn from Lisa Ferris (and why you need her book!):The "Sick and Tired of Being Sick and Tired" Origin Story: Lisa, a 20-year realtor, shares how being "broke" and presented with a "POS house" forced her to embrace creative financing. Her first deal? Wholesaling a property in three hours for $17,000 profit – and she's never looked back!Ron LeGrand's Legacy & Realtor Superpowers: Lisa credits a Ron LeGrand course for igniting her creative financing journey. As a seasoned realtor, she leverages deep market knowledge (knowing which two blocks to avoid and where to buy!) to quickly run numbers and make offers, giving her a serious edge in Central Texas (Belton, Temple, Taylor, Fort Hood) – everywhere but Austin!Win-Win Negotiations for Distressed Sellers: Learn Lisa's approach to seller financing: always offer a higher purchase price and sell the payment amount (never the interest rate!). She focuses on creating win-win scenarios where sellers feel heard and get flexible solutions, even for those with no equity or facing tough situations.Private Money Magic: Just Ask! Lisa's secret to raising capital? Simply ask! Her first private lender was a good friend at McDonald's (true story!). She views it as offering an opportunity for investors to make their money work for them, not begging. Her deals average $200K-$300K and offer 12%+ returns, because as she says, "if you have a good deal, the money is the easiest part."Why Diligence & Community Matter: Lisa uses tools like RehabValuator and creates professional reports (Canva, anyone?) to make her deals attractive. She emphasizes proactive communication with lenders (even using platforms like SiteWire for draws). Plus, she champions local networking with her Centex Dealmakers Group, bringing integrity, training, and real-world deals to Austin's real estate community.Lisa Ferris is living proof that you don't need deep pockets to build a thriving real estate business. Her humor, humility, and rock-solid strategies make her an inspiration. Stop making excuses and start making deals happen!Grab a copy of her game-changing book, "How to Find and Fund Any Real Estate Deal: How to Buy Real Estate Without Using Your Own Cash or Credit," available soon on Amazon. Connect with her on Facebook (Lisa J Ferris) or via email: lisa@ljepropertysolutions.com. Subscribe to the podcast, leave a five-star review, and go out and become a Dealmaker!Watch the Original VIDEO HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest

In this hour, Adam Crowley reacts to the Steelers' 29-24 win over the Detroit Lions on Sunday. Also, Steelers insider Mark Kaboly comes on. December 22, 2025, 6:00 Hour

Hour 2: How much credit should Mike Tomlin get for yesterday's game? The Steelers backups played very well against the Lions. And did Dom mess up Donny Football's “Game Balls” segment?

THE PAIN OF DISCIPLINE Thank you for listening to our podcast I hope we motivated you a little today. SUPPORT MY PODCAST: Buy me a coffee - https://ko-fi.com/bethebestyoupodcast ✅ Follow me:

See how top sleep specialists turn evidence into action with real-world cases that reveal smarter, patient-centered treatment strategies. Credit available for this activity expires: 12/22/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/case-review-narcolepsy-and-idiopathic-hypersomnia-2025a1000zqa?ecd=bdc_podcast_libsyn_mscpedu

Do you know how to integrate IDH inhibitors into the glioma treatment algorithm? Join our expert panel as they discuss complex real-world cases and more! Credit available for this activity expires: 12/19/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/1003175?ecd=bdc_podcast_libsyn_mscpedu

Are you regularly testing for TRK fusions in cancers with high fusion frequency? Credit available for this activity expires: 12/17/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/navigating-advances-trk-fusion-positive-cancers-2025a1000z5i?ecd=bdc_podcast_libsyn_mscpedu

Enhance dialysis-dependent chronic kidney disease (DD-CKD) anemia outcomes through team-centered care and better understanding of new treatment options. Credit available for this activity expires: 12/19/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/elevating-anemia-care-new-strategies-dialysis-dependent-2025a1000zpg?ecd=bdc_podcast_libsyn_mscpedu

To conclude their two-part discussion, our Head of Corporate Credit Research Andrew Sheets and Chief Investment Officer for Morgan Stanley Wealth Management Lisa Shalett discuss the outlook for inflation and monetary policy, with implications for investment-grade credit.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Global Head of Corporate Credit Research at Morgan Stanley.Lisa Shalett: And I am Lisa Shalett, Chief Investment Officer of Morgan Stanley Wealth Management.Andrew Sheets: Yesterday we focused on the topic of a higher for longer inflation regime, and I was asking the questions. Today, Lisa will grill me on my views for the next year. It's Friday, December 19th at 4pm in London. Lisa Shalett: And it's 11am in New York. All right, Andrew, I'm happy to turn tables on you now. I'm very interested in your thoughts about the past year – 2025 – and looking towards 2026. In 2026, Morgan Stanley Research seems to expect a resilient global growth backdrop, with inflation moderating and central banks easing policy gradually. What do you think are the main drivers behind this more constructive inflation outlook, especially taking into account the market's prevailing concerns about persistent price pressures. Andrew Sheets: There are a couple of factors that we think are going to be near term helps for inflation, although I don't think they totally rule out what you're talking about over that longer term period.So first, we, at Morgan Stanley, are very cautious, very negative on oil prices. We think that there's going to be more supply of oil over the next year than demand for it. And so lower oil prices should help bring inflation down. There's also some measures of just how the inflation indices measure shelter and housing. And so, while we think, kind of, looking further ahead, there are some real shortages emerging in things like the rental markets – where you just haven't had a whole lot of new rental construction coming online, as you look out a year or two ahead. But in the near term, rental markets have been softer. Home prices are coming down with a lag in the data. And so, shelter inflation is relatively soft. So, we think that helps. While at the same time fiscal policy is very supportive and corporates, as we discussed in our last conversation, they're really embracing animal spirits – with more spending, more spending on AI, more capital investment generally, more M&A. And so, those factors together, we think, can over the next 12 months, still mean pretty reasonable growth and Inflation that's still above target – but at least trending a little bit lower. Lisa Shalett: You believe that central banks, including the Fed, will cut rates more slowly given better growth. And this slower pace of easing could actually be positive for the credit markets. So, could you elaborate on your expertise on credit and why a gradual Fed approach may be preferable? What risks and opportunities might this create? Andrew Sheets: Yeah, so I think this is kind of one of these big debates going into this year is – which would we rather have? Would we rather have a Fed that was more active, cutting more aggressively? Or cutting more slowly? And, indeed, we're having this conversation on the heels of a Fed meeting. There's a lot of uncertainty about that path. But the way that we're thinking about it is that the biggest risk to credit would be that this outlook for growth that we have is just too optimistic. That actually growth is weaker than expected. That this rise in the unemployment rate is signaling something far more challenging for the economy ahead and in that scenario the Fed would be justified in cutting a lot more. But I think historically in those periods where growth has deteriorated more significantly while the Fed has been cutting more, those have been periods where credit – and indeed the equity market – have actually done poorly despite more quote unquote Fed assistance. So, periods where the Fed is cutting more gradually tend to be more consistent with policy in the right place. The economy being in an okay place. And so, we think, that that's the better outcome. So again, we have to kind of monitor the situation. But a scenario where the Fed ends up doing a little bit less than the market, or even we expect with rate cuts – because the economy's holding up. That can still be, we think, an okay scenario for markets. Lisa Shalett: So, things are okay and animal spirits are returning. What does that mean for credit markets? Andrew Sheets: Yeah, so I think this is the bigger challenge: is that if our growth scenario holds up, corporates I think have a lot of incentives to start taking more risk – in a way that could be good for stock markets, but a lot more challenging to the lenders, to these companies for credit. Corporates have been impressively restrained over the last several years. They've really, kind of, held back despite lots of fiscal easing, despite very low rates. Those reasons for waiting are falling away. And so, in this backdrop that you, Lisa, were describing the other day around – easier monetary policy, easier fiscal policy, easy regulatory policy, and you know, just for good measure, maybe the biggest capital spending cycle since the railroads through AI. These are some pretty powerful forces of animal spirits. And that's a reason why we think ultimately, we see a lot more issuance. We see roughly a trillion dollars of net supply. So, total supply, less redemptions in U.S. investment grade. That's a huge uptick from this year, and we think that drives spreads wider, even if my colleague Mike Wilson is correct that equity markets rise. Lisa Shalett: So, wow. So, we have very strong U.S. equities. But perhaps an investment grade credit market that underperforms those equities. How else would you think about your asset allocation more broadly, and how might those dynamics around credit issuance and equity success play out regionally? Andrew Sheets: Yeah, so, I think this scenario where equities are up, credit is underperforming. The cycle is getting more aggressive. It's a little unusual, but I think we do have some templates for it and specifically I think investors could look to 2005 or 1997 and 1998. Those were all years where equities were up double digits, where credit spreads were wider. Where yields were somewhat range bound, where corporate aggression was increasing. That is all very consistent with Morgan Stanley's 2026 story. And yet, you did have this divergence between equities and credit market. So, I think it is a market where we see better risk-reward in stocks than in credit. I think it's a market where we want to be in somewhat smaller credits or somewhat smaller equities. We like small and mid cap stocks in the U.S. over large caps. We like high yield over investment grade. And we do think that European credit might outperform as it's somewhat lagging this animal spirits theme that we think will be led by the U.S. Lisa Shalett: So, if that's the outlook, what are the risks? Andrew Sheets: Yeah, so I think there are two risks, and you know, we alluded to one of them early on in this conversation – would be just that growth is weaker than we expect. Usually when the unemployment rate is rising, that's a pretty bad time to be in credit. The unemployment rate is rising. Now, Morgan Stanley economists think that that rise will be temporary, that it will reverse as we go through 2026. And so, it'll be less of a thing to worry about. But you know, a sign that maybe companies have been holding off on firing, waiting for more tariff clarity, if that doesn't come, then that would be a risk to growth. The other risk to growth is just around this AI-related spending. It is very large and the companies that are doing it are some of the wealthiest companies in the world, and they see this spending potentially as really core to their long-term strategic thinking. And so, if you were to ever have an issuer or a set of issuers who were just less price sensitive, who would keep issuing into the market, even if it was starting to reprice that market and push spreads wider, this might be the group. And so, a scenario where that spending is even larger than we expect, and those issuers are less price sensitive than we expect – that could also drive spreads wider, even if the underlying economic backdrop is somewhat okay. Lisa Shalett: Super. That's probably a great place for us to wrap up. So, I'll hand it back to you, Andrew. Andrew Sheets: Well, great, Lisa, always a pleasure to have this conversation. And, as a reminder for all you listening, if you enjoy Thoughts of the Market, please take a moment to rate and review us wherever you listen, it helps more people find the show. *****Lisa Shalett is a member of Morgan Stanley's Wealth Management Division and is not a member of Morgan Stanley's Research Department. Unless otherwise indicated, her views are her own and may differ from the views of the Morgan Stanley Research Department and from the views of others within Morgan Stanley.