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: Maximizing Your Points00:11 Tip 1: Activate Chase Freedom Flex Categories01:46 Tip 2: Check for Hidden Chase Co-branded Card Offers03:12 Tip 3: Utilize Amex Offers Efficiently05:29 Tip 4: Set Rakuten Payouts to Amex Points06:24 Tip 5: Enter Giveaways for Extra Benefits08:17 Tip 6: Explore Hotel Program Offers10:09 Tip 7: Link Programs for Passive Points13:01 Tip 8: Set Calendar Reminders for Credits15:22 Tip 9: Optimize Card Usage for Expenses16:06 Tip 10: Optimize Points Redemption16:16 ConclusionYou 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 Chicago Seminars at:➤ Website: https://chicagoseminars.org/ 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.

The Moneywise Radio Show and Podcast Monday, June 30th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management Guest: David Castro, Next Phase Electric website: https://nextphaseelect.com/  

Winter auf der schottischen Insel Skye. Die Blicke von Kira (Aylin Tezel) und Ian (Chris Fulton) treffen sich. Sie lächeln. Sie wissen nichts voneinander, nur dass sie beide auf der Flucht sind. Nicht unbedingt vor etwas Konkretem, sondern vor allem vor sich selbst. Diese flüchtige Begegnung auf Skye wird sie tief verbinden, bevor sie ebenso plötzlich wieder auseinandergerissen werden und, ohne es zu wissen, in London parallel zueinander weiterleben. Heute geht es bei “Credit to the Edit Podcast” um “Falling into Place”, einen Liebesfilm, der die Regeln des Genres neu setzt. Das Langfilmdebüt von Aylin Tezel, die nicht nur Regie führte und das Drehbuch schrieb, sondern auch eine der beiden Hauptrollen spielt, besticht durch seine poetische Erzählweise und eine Montage, die nicht nur Szenen verbindet, sondern vor allem die inneren Welten der Protagonisten erfahrbar macht.   Aylin Tezel Aylin Tezel ist einem breiten Publikum vor allem als Schauspielerin bekannt, unter anderem aus Produktionen wie “Am Himmel der Tag”, “7500” oder “Unbroken”. Mit “Falling into Place” gibt sie ihr Langfilm-Regiedebüt. Aylin wurde bereits vielfach ausgezeichnet und ist Mitglied der European Film Academy. Sie lebt in Berlin und pendelt häufig nach London.   David J. Achilles David J. Achilles zählt zu den profiliertesten Editoren des Landes. Seit 2003 arbeitet er als freiberuflicher Filmeditor in Berlin, seine Montage wurde u. a. in Hof, bei der Berlinale und mit Nominierungen für den Deutschen Fernsehpreis und den Deutschen Filmpreis ausgezeichnet. Zu seinen Arbeiten zählen Kino- und Fernsehproduktionen wie „CLEO“, „Am Himmel der Tag“ (ja, genau, der Film mit Aylin Tezel) und „Falling into Place“. 2022 erschien sein Buch „Die Kunst der Auslassung – Montage im szenischen Film“.   In dieser Folge wird klar: Filmschnitt ist mehr als das Aneinanderfügen von Szenen. Er ist emotionales Feintuning, rhythmische Komposition, ein Spiel mit Nähe und Distanz. “Falling into Place” ist der Beweis, dass Montage ein tragendes Erzählmittel sein kann, das sowohl Herz als auch Verstand berührt. Noch bis zum 12. Juli könnt ihr den Film in der arte-Mediathek sehen. (Und danach in diese Folge hören.)   Timeline-Shortcuts 00:06  Anmoderation  01:33  Gesprächsstart – Wie die Idee zu Falling into Place entstand  16:00  Vom Skript zum Schnitt: Team­findung & First Assembly  30:00  Rhythmus & Musik: Poetische Montage und 18 Songs 63:00  Kategorien 72:50  Abmoderation     Links Film Falling into Place – IMDb Falling into Place @ Arte Mediathek (bis 12.07.) Gäste & Buch Aylin Tezel – IMDb David J. Achilles – Crew United Die Kunst der Auslassung (Buch) – Halem Verlag Aylin Tezel: Was tut sich im deutschen Film? Lola-Nominierung David J. Achilles Referenzfilme Before Sunrise (1995) – Wikipedia Blue Valentine (2010) – Artikel zur 16 mm-Ästhetik The Broken Circle Breakdown (2012) Musik Jon Hopkins – Offizielle Website Ben Lukas Boysen – Original Score Cutting Crew – „(I Just) Died in Your Arms“

Finance Minister Nicola Willis says New Zealand has not “escaped the aftershocks of world events” as new data shows hardship rising and more Kiwis struggling to pay the bills. Speaking to Newstalk ZB Wellington Mornings host Nick Mills about the state of the economy, Willis acknowledged it had been “a tough time”. “Things were starting to come along and then come April there were some reasonably significant announcements by the US President that sent ramifications through the world”, Willis said. Donald Trump's April “Liberation Day” announcement saw sweeping tariffs introduced for more than 125 countries, including 10% on imports coming from New Zealand. Willis said business confidence has been impacted as a result and growth forecasts have been downgraded.“Little old New Zealand, just recovering, has been really impacted by that.” She said in spite of the global uncertainty growth is still forecast to improve, but “we haven't escaped the aftershocks of global events”. Credit reporting agency Centrix released its June Credit Indicator today. It showed household arrears were levelling out while hardship and company liquidations were on the rise. Nearly 50,000 individual billpayers were in financial hardship, an increase of 300 from May, and 14% more than a year ago, Centrix said. An uptick in hardship began in November 2022, and today's figures “continues a steady upward trend”, Centrix managing director Keith McLaughlin said. “I don't deny those numbers, as you say, they're facts and I meet enough New Zealanders each week to know there are still a lot of people doing it tough”, Willis said. She said it comes at a time when New Zealand is at its “peak unemployment”. “When unemployment is higher, of course that is when you see people unable to pay their bills”, Willis said. On the increase in business liquidations, which Centrix recorded as being up 27% on last year's figures, Willis said that there would be a variety of reasons for that and disputed the Government was responsible. Asked by Mills if her government could have done more to assist struggling businesses, she said there were “certainly things we could have done which would have made it harder for them”. Willis pointed to moves like tax cuts, cutting red tape, and the investment boost policy, which she said are benefiting small businesses. Wellington's ‘disappointing chapter' Willis, a lifelong Wellingtonian, was asked about the state of the capital. She responded by criticising Wellington City Council for having had “its eye completely off the ball”. “It feels to me like a place that needs a fresh start”, she said. Willis believes the city still has “cool things” going for it like smart tenacious people, the native bush, and the city's hospitality scene, but said “man oh man have we mucked up” with regard to council decision-making. She said the council must be focused on keeping rates low. It comes after the council approved a 12% rates increase for the 2025/2026 year. “It seems to me that the council has not been focused on that mission and at the same time has been quite distracted by what I would say are interesting political debates.” She said the city has been in a “disappointing chapter”. Asked whether she is excited by any of those running in the upcoming local election, Willis said she does not endorse candidates but is looking for two things. The first was getting rates rises under control. “That means actually being prepared to stop doing some things, we've had to do that as a government”, Willis said.The second thing she was looking for in candidates was policy that is “genuinely pro-business”, citing Wellington's disproportionately high commercial rates. She also spoke on the Golden Mile project saying while she understands the vision, now is not the time.“I'm looking for councillors who are pledging to be disciplined about the way they spend ratepayer money”, Willis said. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Finance Minister Nicola Willis says New Zealand has not “escaped the aftershocks of world events” as new data shows hardship rising and more Kiwis struggling to pay the bills. Speaking to Newstalk ZB Wellington Mornings host Nick Mills about the state of the economy, Willis acknowledged it had been “a tough time”. “Things were starting to come along and then come April there were some reasonably significant announcements by the US President that sent ramifications through the world”, Willis said. Donald Trump's April “Liberation Day” announcement saw sweeping tariffs introduced for more than 125 countries, including 10% on imports coming from New Zealand. Willis said business confidence has been impacted as a result and growth forecasts have been downgraded.“Little old New Zealand, just recovering, has been really impacted by that.” She said in spite of the global uncertainty growth is still forecast to improve, but “we haven't escaped the aftershocks of global events”. Credit reporting agency Centrix released its June Credit Indicator today. It showed household arrears were levelling out while hardship and company liquidations were on the rise. Nearly 50,000 individual billpayers were in financial hardship, an increase of 300 from May, and 14% more than a year ago, Centrix said. An uptick in hardship began in November 2022, and today's figures “continues a steady upward trend”, Centrix managing director Keith McLaughlin said. “I don't deny those numbers, as you say, they're facts and I meet enough New Zealanders each week to know there are still a lot of people doing it tough”, Willis said. She said it comes at a time when New Zealand is at its “peak unemployment”. “When unemployment is higher, of course that is when you see people unable to pay their bills”, Willis said. On the increase in business liquidations, which Centrix recorded as being up 27% on last year's figures, Willis said that there would be a variety of reasons for that and disputed the Government was responsible. Asked by Mills if her government could have done more to assist struggling businesses, she said there were “certainly things we could have done which would have made it harder for them”. Willis pointed to moves like tax cuts, cutting red tape, and the investment boost policy, which she said are benefiting small businesses. Wellington's ‘disappointing chapter' Willis, a lifelong Wellingtonian, was asked about the state of the capital. She responded by criticising Wellington City Council for having had “its eye completely off the ball”. “It feels to me like a place that needs a fresh start”, she said. Willis believes the city still has “cool things” going for it like smart tenacious people, the native bush, and the city's hospitality scene, but said “man oh man have we mucked up” with regard to council decision-making. She said the council must be focused on keeping rates low. It comes after the council approved a 12% rates increase for the 2025/2026 year. “It seems to me that the council has not been focused on that mission and at the same time has been quite distracted by what I would say are interesting political debates.” She said the city has been in a “disappointing chapter”. Asked whether she is excited by any of those running in the upcoming local election, Willis said she does not endorse candidates but is looking for two things. The first was getting rates rises under control. “That means actually being prepared to stop doing some things, we've had to do that as a government”, Willis said.The second thing she was looking for in candidates was policy that is “genuinely pro-business”, citing Wellington's disproportionately high commercial rates. She also spoke on the Golden Mile project saying while she understands the vision, now is not the time.“I'm looking for councillors who are pledging to be disciplined about the way they spend ratepayer money”, Willis said. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Will and Steve are back, and so is the Captain.-Aaron Judge isn't broken-Will Warren is a marvel-Credit to Carlos Rodon-It's ok to be patient-Fernando Cruz is better than you thinkAll that and more on the latest from YankeesFiles!

Do you know why programmed death-ligand 1 (PD-L1) testing and targeted therapy are so important for improving patient care? Credit available for this activity expires: 6/27/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/1002597?ecd=bdc_podcast_libsyn_mscpedu

Are you up-to-date on the novel, practice-changing combination strategies for first-line maintenance treatment? Credit available for this activity expires: 6/13/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/1002626?ecd=bdc_podcast_libsyn_mscpedu

How do you talk to patients about conception, risks to offspring during epilepsy treatment, mortality, lifestyle and brain health? Credit available for this activity expires: 6/27/26 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/1002600?ecd=bdc_podcast_libsyn_mscpedu

Once we expand to other star systems, we may begin a self-propagating expansion of human civilisation throughout the galaxy. However, there are existential risks potentially capable of destroying a galactic civilisation, like self-replicating machines, strange matter, and vacuum decay. Without an extremely widespread and effective governance system, the eventual creation of a galaxy-ending x-risk seems almost inevitable due to cumulative chances of initiation over time and across multiple independent actors. So galactic x-risks may severely limit the total potential value that human civilisation can attain in the long-term future. The requirements for a governance system to prevent galactic x-risks are outlined, and updates for space governance and big picture cause prioritisation are discussed. Introduction I recently came across a series of posts from nearly a decade ago, starting with a post by George Dvorsky in io9 called “12 Ways Humanity Could Destroy the Entire Solar System”. It's a [...] ---Outline:(01:00) Introduction(03:07) Existential risks to a Galactic Civilisation(03:58) Threats Limited to a One Planet Civilisation(04:33) Threats to a small Spacefaring Civilisation(07:02) Galactic Existential Risks(07:22) Self-replicating machines(09:27) Strange matter(10:36) Vacuum decay(11:42) Subatomic Particle Decay(12:32) Time travel(13:12) Fundamental Physics Alterations(13:57) Interactions with Other Universes(15:54) Societal Collapse or Loss of Value(16:25) Artificial Superintelligence(18:15) Conflict with alien intelligence(19:06) Unknowns(21:04) What is the probability that galactic x-risks I listed are actually possible?(22:03) What is the probability that an x-risk will occur?(22:07) What are the factors?(23:06) Cumulative Chances(24:49) If aliens exist, there is no long-term future(26:13) The Way Forward(31:34) Some key takeaways and hot takes to disagree with me onThe original text contained 76 footnotes which were omitted from this narration. --- First published: June 18th, 2025 Source: https://forum.effectivealtruism.org/posts/x7YXxDAwqAQJckdkr/galactic-x-risks-obstacles-to-accessing-the-cosmic-endowment --- Narrated by TYPE III AUDIO. ---Images from the article:Apple Podcasts and Spotify do not show images in the episode description. Try Pocket Casts, or another podcast app.

2 Samuel 8: 1-18 Credit to the Lord for Victory! by MVBC

When parents ask their adult children to co-sign a loan, add their name to a mortgage, or take out a car loan “for the family,” it can feel impossible to say no. But what are the risks? Ontario Licensed Insolvency Trustees Doug Hoyes and Ted Michalos break down the financial (and emotional) minefield of taking on debt for your parents. From credit utilization issues to legal responsibility and long-term credit damage, they explain how even well-meaning help can backfire, and offer solutions to support aging parents without risking your financial stability. (00:00) Risks of Co-Signing for Your Parents' Credit (02:30) Why Parents Ask Their Kids to Co-Sign Loans (05:50) Supplemental vs. Joint Credit: What's the Difference? (07:30) Co-Signing Auto Loans: Why It's Risky (09:00) Credit Utilization: How It Hurts Even If Payments Are On Time (12:30) Planning for the Worst: Protecting Yourself from Family Debt (14:45) What to Do If You Can't (or Don't Want to) Help Your Parents (16:30) Safe Ways to Support Parents Without Taking on Debt (19:45) Helping Your Parents Manage Money as They Age (26:30) How to Help Parents with Unmanageable Debt How Co-Signed Debt Is Dealt with in a Consumer Proposal Is a Secondary Credit Card Holder Responsible for Debt? Can a Joint Bank Account be Garnished in Canada? Best Debt Relief Options Ontario Free Credit Rebuilding Course and learning resources Sign Up For The Monthly Debt Free Digest Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Can One Use Borrowed Tefillin—And What If They Were Bought on Credit or Unpaid For? Tefillin are holy objects—handwritten, expensive, and often personalized. As a result, situations arise where someone needs to borrow a pair or buy one on credit , and the Halacha must clarify when that's permitted and under what conditions the Tefillin are valid. Can You Borrow Tefillin Without Explicit Permission? According to the Shulhan Aruch (Orah Haim 14), it is generally permissible to borrow Tefillin without asking , as long as: The Tefillin are in a public or communal place , such as a synagogue shelf. The owner is known to be a religious, Torah-observant individual who would be pleased to fulfill the Misva of helping another Jew perform the commandment. This is based on the concept of "Nicha le'le'insah de'te'avid Misva b'mamoneh" —a person is happy for others to fulfill a Misva using his belongings. However: If the Tefillin case is clearly labeled with a note such as "Do not borrow," or if the owner is known to be particular, they may not be used without permission . If the Tefillin are custom-made, unusually expensive, or rare (e.g., very small, lightweight, or adorned), one may not assume permission to borrow them. Are Tefillin Purchased on Credit Kosher to Use? A person who buys Tefillin on credit or with a payment plan —meaning, they took the Tefillin before completing payment—can still use them , and they are halachically valid. However, several points must be observed: The seller must have willingly agreed to this arrangement. There must be no deception or unresolved protest from the seller. If the seller later expresses dissatisfaction or demands the return of the Tefillin due to non-payment, the buyer must stop using them until the matter is resolved. This is because ownership is not fully transferred when there is a dispute over payment. Using Tefillin that one does not fully own—against the will of the seller—is improper. What If the Seller Cannot Be Located Later? If a person purchased Tefillin (even years ago) and later realized: The full payment was never completed, Or they can't remember whether it was ever paid, Or they cannot locate the original seller, Then the person must try to track down the seller , even through friends or family. If all reasonable attempts fail: He should donate the estimated value to a Torah cause or Misva, such as a yeshiva , Tefillin fund , or synagogue in need . This shows good faith effort to settle the financial obligation, and avoids benefiting from a Misva object that may be partially stolen. Summary: You may borrow Tefillin without permission only if the owner would be pleased, and there's no sign or reason to assume otherwise. Tefillin bought on credit are valid if the seller agreed—but must not be used if the seller later protests or withdraws permission. If the seller cannot be found, donate the value to a Torah cause to ensure proper use of the Tefillin.

Nick and Jonathan continue their conversation of breaking down what the Browns did this offseason.

John Owens CFP®, EA, ECA, CPWA® and Ed Zolotarev CPA, MST, CFP® fill in for AJ and Shane on this milestone 150th episode of The Liquidity Event. FICO (Fair Isaac Corporation) is finally figuring out what to do about your outstanding Klarna loans. We discuss how “buy now, pay later” services might soon impact your credit score.   TLDR: It probably isn't the best idea to finance your DoorDash order over 4 months. Plus, alternative investments are getting a lot of attention right now.  Why are private equity firms suddenly sliding into your DMs?  We examine the dry IPO market as one of the root causes. Then a Reddit question: how many kids should you have from a financial perspective?  Finally, our biggest takeaways from the first half of 2025. Key Timestamps: (6:25) FICO's buy now, pay later integration rollout (9:30) Why financing experiences is financial quicksand (12:20) Ed's Affirm baby monitor financing experiment (15:56) Alternative investments moving down market (19:20) Why the IPO drought is forcing PE firms to get creative (24:10) Reddit question: How many kids should you have? (29:25) First half of 2025 takeaways

In our continuing exploration of the Sony Spider-Man Cinematic Universe, we come to the penultimate entry of our would-be rouges gallery. But what's this, why does this seem like a send off for one of the more successful and popular characters? Agents of M.A.C.E.'s Drew joins us to get down to the bottom of what's … Continue reading Episode 378: A Supplemental Reading of Venom the Last Dance (2024) →

Are you confident when amyloid is positron emission tomography (PET) is  appropriate, and how to avoid addendums to imaging reports?  Credit available for this activity expires: 6/23/2026 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/1002659?ecd=bdc_podcast_libsyn_mscpedu

THE BOOK: Kickstarter is still active. MGoBlog.com/25 REMINDER: Michigan fans won the Charity Bowl, so we'll be getting together with Spencer, Holly, and Jason on JUNE 28, 6PM at the Ann Arbor District Library, then going to Venue for drinks at 8:00. Signup is here so I can give them a final count (we're at ~200 right now), or go to pizzawestern.com. THE LINEUP: Brian still on break. Seth & Craig & Sam today. NO SHOW NEXT WEEK: July 4th. Things Discussed: HTTV 2025: Craig's article on 1898 has a surprise for Buckeye Fans, because the NCAA is going to vacate Michigan's 1897 wins ANY DAY NOW. Warde with Sam last week: Credit to him for being more transparent. Sam notes he specifically came out of his no-comment stance to put to rest any ideas of vacated wins/championships. Our favorite recent commits. Seth loves Alister Vallejo: he's incorrigible. Even has Mason Graham's baby face. Craig likes Bear McWhorter. Titan Davis: really good example of the type of player you see from Lou Esposito: good length and good burst. Marky Walbridge: Most Massachusetts name ever. He looks like a TACKLE—reminds me of Blake Frazier. Sam: I think Blake is going to be the starting LT. Philosophy for how to spend your money? Seth: Baltimore Ravens. Start by putting more money to your top players. Positionally, you look at what system you run and where you can get value. Michigan runs the Ravens system, which spent less on Edge and LB to get big-time athletes in the secondary. Spend on a cornerback. Sam: Spend on a cornerback every year, because Ohio State is a receiver team, and cornerback is mostly about talent. QB, Edge, and Cornerback. Seth: if you can develop edges you can save money there. If you're struggling to develop something you spend on it (e.g. OSU with (Break: Naming the people who are in our chat) NIL Clearinghouse. The ADs don't even know what the standard will be. Guessing it will be like every other NCAA enforcement attempt, IE they will ignore 99% of it and then come down hard on Michigan when they're mad. Next battleground is in legislatures. NBA Draft: Wolf slipped to 27th but only because the Nets had 1/6th of the picks and could slot him lower. Took another Jewish guy right before him. Top of the draft: Ace Bailey was the last difference-maker; if he won't play in Salt Lake they can trade him, but the value dropped after that.

Buying real estate without money or credit sounds impossible, until you hear Kris Krohn's story. In this powerful episode, Kris breaks down the exact method he used to acquire properties with no cash out of pocket. If you want to invest in real estate but feel stuck financially, this episode will open new doors.

(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 Intro00:17 Exploring Flight Deals to Europe03:10 Booking Flights with Chase Transfer Bonus03:26 Using Roame.travel Travel for Flight Deals05:50 Finding Flight Deals to Asia11:16 Exploring Flight Deals to South America14:02 Finding Flight Deals to Africa16:50 Exploring Flight Deals to Oceania19:59 Conclusion and Additional 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/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.

(00:00-17:24) So What'd Your Grandma Think? Colin Morikawa talking with a media member over his caddie situation. Not a lot of sympathy for Morikawa in the text inbox. Gentle parenting. Jackson had a baseball teammate whose dad would come console him during mound visits. No thanks, Goon.(17:32-42:21) Sean Paul takes us back to simpler times. Audio of John Mozeliak on BK & Ferrario talking about the front office and their stance on 'runway.' Also discussing the spot Marmol is in trying to balance finding opportunities for guys and still trying to win games. Expectations affecting excitement. On pace for 88 wins and exceeding expectations. Playoff system devaluing the regular season. Fans view of the Cardinals vs. the Blues. Bussman's Special. Pony?(42:30-56:47) High on Alex Smalley at the Rocket Mortgage. Mexican soccer bets somehow happened on Tim's account. What if the bets would have hit? Credit card fraud. Will wife pics from listeners get the money back?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this podcast, Lord Abbett Portfolio Manager Greg Benz discusses the growing appeal of combining public and private investment vehicles in fixed income portfolios. 

Will's note: Apologies for the lagging issues. Not sure why it happened but will try to fix it for next time. Hope this is still watchable/listenable. Will Lou watches tape of the Toronto Raptors' No. 9 pick Collin Murray-Boyles to see what his strengths and weaknesses are, and why the Raptors chose to draft CMB over several other options in the 2025 NBA Draft.Credit to YouTube/ @cashiggy3219 for the CMB videos. Please go to his account for the best draft prospect compilations.#raptors #torontoraptors #nbadraft Reach out to the show by leaving a voicemail at hellowelcome.show or email the guys info@hellowelcome.showCheck out our merch! Visit hellowelcome.show and click on the merch link.Original Music by DIVISION 88.Hello and Welcome is presented by Betway. https://betway.ca- Only Available In Ontario, must be 19+. Please play responsibly.Download the Betway app: https://betway.onelink.me/3010529547/0mx1y6wbTangerine: www.tangerine.caReach out to sales@thenationnetwork.com to connect with our Sales Team and discuss opportunities to partner with us! Hosted on Acast. See acast.com/privacy for more information.

Barings Sees Global Credit Investor Pivot to Europe (Podcast)Demand for European corporate debt is rising as global investors seek to diversify out of US markets, according to Barings, the $442 billion asset manager. “US exceptionalism is a little bit more questioned, investors are increasingly concerned about US economic policy,” Mike Best, a high-yield and senior loan portfolio manager at the firm, tells Bloomberg News’ James Crombie and Bloomberg Intelligence’s Stephen Flynn in the latest Credit Edge podcast. “That will probably in the near term, create a very strong technical demand for European assets,” says Best, who’s taking more calls from investors seeking exposure to non-US markets. Best and Flynn also discuss risks and constraints in European credit, retail distress, communication sector winners and loser, plus how to trade liability-management exercises.See omnystudio.com/listener for privacy information.

In June, the government announced nine pilots to trial a voluntary nature credits scheme - the closest so far to a biodiversity credit. Led by Act MP and Associate Minister for the Environment Andrew Hoggard, the government says it wants to establish ‘a market that is durable, measurable and transparent to help farmers, landowners, iwi, and conservation groups unlock new income streams for looking after nature on their land.' One of the nine is the Sanctuary Mountain Maungatautari Biodiversity Credit project an international trade-ready biodiversity credits scheme developed by advisory firm Ekos. It launched officially launch on 24th of June and Vincent is joined by Ekos found Sean Weaver and Sancturary Mountain CEO Helen Hughes.Government announcement hereEkos & Sanctuary Mountain media release here

Air Date: 6-25-2025 We thought we were going to have an episode about the war Israel is conducting ready for you last week but then they started another war. So, it would have felt odd to release an Israel episode without the latest major updates including Iran. I can only imagine what will happen between the time I speak these words and when you hear them that will make this episode feel out of date. What Happens When Bereaved Israelis and Palestinians Share Their Pain? Listening from the Heart Be part of the show! Leave us a message or text at 202-999-3991, message us on the infamous Signal at the handle bestoftheleft.01, or email Jay@BestOfTheLeft.com Full Show Notes Check out our new show, SOLVED! on YouTube! BestOfTheLeft.com/Support (Members Get Bonus Shows + No Ads!) Join our Discord community! KEY POINTS KP 1: Why Is The Media Coverage of Israel vs Iran So Skewed? - Zeteo - Air 6-16-25  KP 2: Jon Stewart on Israel's "Urgent" Iran Strike, Minnesota Murders & MAGA's Blame Game - The Daily Show - Air Date 6-16-25  KP 3: The REAL Reason Israel Attacked Iran - uncivilized - Air Date 6-18-25  KP 4: Israeli Forces Open Fire at New Gaza “Aid” Site, as Netanyahu Rejects Ceasefire Deal Part 1 - Drop Site News - Air Date 5-27 KP 5: Greta Thunberg Speaks to France 24 After Her Deportation From Israel - FRANCE 24 English - Air Date 6-10-25 KP 6: Preemptive Strike or Act of War? Israel Attacks Iran Amid Sinking Global Support for Assault on Gaza - Democracy Now! - Air Date 6-17-25 (END OF MAIN ) (00:40:25.) NOTE FROM THE EDITOR On the Parents Circle efforts for reconcilliation DEEPER DIVES (00:49:45) SECTION A: STARVATION A1: “Israel Is the Rabid Dog of American Imperialism”: Gaza Surgeon Dr. Mohammed Tahir Speaks Out Part 1 - MintCast - Air Date 6-10-25 A2: When Hunger Is a Weapon - Front Burner - Air Date 6-3-25  A3: Doctors Returning From Gaza Beg Humanity to Stop the Carnage - The Marc Steiner Show - Air Date 6-10-25  A4: Mara Kronenfeld on Israel's Aid Blockade - CounterSpin - Air Date 5-16-25  A5: “Israel Is the Rabid Dog of American Imperialism”: Gaza Surgeon Dr. Mohammed Tahir Speaks Out Part 2 - MintCast - Air Date 6-10-25 A6: Has Israel Turned Gaza Into a Starvation Camp? | Inside Story - Al Jazeera English - Air Date 5-31-25  (01:42:13) SECTION B: GAZA B1: The Israeli Government's True Goal in Gaza - On Point - Air Date 6-5-25  B2: Mosquito Protocol: Ex-Israeli Soldier on Army's Systematic Use of Palestinians as Human Shields - Democracy Now! - Air Date 5-29-25 B3: The State of the Gaza Negotiations and Ongoing Israeli Massacres - Drop Site News - Air Date 6-3-25  (02:08:26) SECTION C: NETANYAHU C1: Israel Allies With ISIS - To STARVE Gaza to Death - Owen Jones - Air Date 6-10-25  C2: Israeli Forces Open Fire at New Gaza “Aid” Site, as Netanyahu Rejects Ceasefire Deal Part 2 - Drop Site News - Air Date 5-27 C3: Israeli PM Netanyahu Confirms Arming Gaza Militia Against Hamas - FRANCE 24 English - Air Date 6-6-25  (02:30:42) SECTION D: Historical & Media Context D1: Blowback: How Israel Helped Create Hamas - The Intercept - Air Date 2-20-18  D2: How Israel, the Media, & the West Set the Stage for Gaza's Genocide - Zeteo - Air Date 6-10-25  (02:48:16) SECTION E: WAR WITH IRAN E1: Ukraine Drone Attack, Gaza Aid Center Massacres, IAEA Suggests “Secret Nuclear Activities” in Iran - American Prestige - Air Date 6-6-25  E2: Will the US Join the War With Iran? w/ Akbar Shahid Ahmed - American Prestige - Air Date 6-18-25 E3: Israel Attacks Iran w/ Séamus Malekafzali - American Prestige - Air Date 6-13-25 (03:13:15) SECTION F: PROTESTS F1: LIVE Interview From Gaza Flotilla as Threats Escalate - Empire Files - Air Date 6-4-25 F2: Piers Morgan's DISGUSTING Attack On Greta Thunberg - Novara Media - Air Date 6-9-25  F3: The Grassroots Movements to Break the Siege on Gaza - Drop Site News - Air Date 6-10-25  F4: Why Sisi Won't Lift the Gaza Blockade - Middle East Eye - Air Date 6-11-25 F5: “A Show of Human Solidarity”: Ex-U.S. Diplomat to Join Global March to Gaza to Break Israel's Siege - Democracy Now! - Air Date 6-10-25  SHOW IMAGE CREDITS Description:Photo of a person holding a protest sign out their car window that says “Never again to anyone” with barbed wire across the text. Credit: “2014/08/16 #BlocktheBoat for Gaza” by Daniel Arauz, Flickr | License: CC BY-SA 2.0 | Changes: Cropped   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

Hundreds of guests filled a golden ballroom to celebrate a nonprofit’s fiftieth anniversary and honor those who made it possible, especially those who had been involved for decades. A founding member shared with gratitude how, despite thousands of volunteer hours and millions of dollars in grants, they would not have succeeded without God. He repeated that the organization had blossomed not because of human effort—although there was plenty of that, too—but because God had provided for them. Daniel understood the importance of ascribing good gifts to God. When King Nebuchadnezzar received a dream of the future, he called for all the wise men of Babylon to retell his dream and then interpret it. Dismayed, they protested that no one on earth could do what the king asked; it would require a supernatural power (Daniel 2:10-11). Daniel agreed, “No wise man, enchanter, magician or diviner can explain to the king the mystery he has asked about, but there is a God in heaven who reveals mysteries” (vv. 27-28). In faith, he asked God to reveal the dream to him. When his prayer was answered, Daniel was humble and quick to attribute the interpretation to his great God, not his own wisdom (vv. 45, 30). It’s right to celebrate accomplishments, but at the same time we should give glory to God. The praiseworthy things in our lives can ultimately be traced back to Him.

Paranormal researchers Dan Baldwin and George Sewell return to share chilling discoveries about the Sky People—mysterious star beings found in ancient legends across the world. With hosts Jeni Monroe and Tressa Slater, they explore sacred sites, psychic communication, and lost connections between UFOs, ancient civilizations, and the spirit world. Dan Baldwin's books: https://bit.ly/4k0LowtGeorge Sewel's books: https://bit.ly/3T5hvju Sky People and Messengers - Monsters Lounge Podcast 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) Join us, and spread the word about the Cryptid Womens Society!https://cryptidwomenssociety.com/cws-tressa/ -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 Learn more about your ad choices. Visit megaphone.fm/adchoices

David Waldman and Greg Dworkin are back with the latest in KITM and KITM accessories. You might not know that Dennis Kucinich was mayor of Cleveland, or that Jerry Springer was mayor of Cincinnati, yet you probably know every mayor of New York City over your entire life, maybe earlier. They NYC mayoral race is like no other, and Zohran Mamdani's Democratic primary win is a win like no other. The establishment fears him; the political class has been trying to stop him, and with good reason. Zohran is a populist who seems to actually be a man of the people! Not many saw him coming, because no one would bet that voters could find someone with genuine merit. Credit should go to ranked choice voting's ability to sift out the individual voter's judgement away from the rankest choice, Andrew Cuomo. As Donald K. Trump famously said of his bombing of Iran, “I came, I saw, I conquered”. Lately though, Trump's been quoted, “Whether 'tis nobler in the mind to suffer the slings and arrows of outrageous fortune, or to take arms against a sea of troubles and by opposing end them?” (He might have picked up that quote elsewhere.) Is Emil Bove the most unethical judicial nominee in modern history? Or is the real sinner the whistleblower who snitched on him? If Trump is infallible, perceiving his actions as failures is heresy, and threatening him is blasphemy, and the whole idea of ethics and morality is open to discussion. HUD likes the National Science Foundation headquarters, so they are throwing out 1,800 employees. Maybe they'll locate affordable housing for them. At least you won't see Big Balls hanging out around DC… unless you mistake him for JD Vance.

Nick Wilson and Jonathan Peterlin discuss where PFF ranked Browns Head Coach Kevin Stefanski.

Nick Wilson and Jonathan Peterlin discuss where PFF ranked Browns Head Coach Kevin Stefanski. Then, they give each other quick stories around sports and give their instant reaction to them.

Hunger from hubris - Condescension`s CostWebsite: http://www.battle4freedom.com/Network: https://www.mojo50.comStreaming: https://www.rumble.com/Battle4Freedomhttps://www.youtube.com/@_battle4freedomhttps://www.biblegateway.com/passage/?search=Proverbs%2022%3A2&version=CJBProverbs 22:2Rich and poor have this in common — Adonai made them both.Genesis 47:1 Then Yosef went in and told Pharaoh, "My father and brothers have come from the land of Kena`an with their flocks, livestock and all their possessions; right now they are in the land of Goshen." 2 He took five of his brothers and presented them to Pharaoh. 3 Pharaoh said to his brothers, "What is your occupation?" They answered Pharaoh, "Your servants are shepherds, both we and our ancestors," 4 and added, "We have come to live in the land, because in the land of Kena`an there is no place to pasture your servant's flocks, the famine is so severe there. Therefore, please, let your servants live in the land of Goshen."Genesis 47:5 Pharaoh said to Yosef, "Your father and brothers have come to you, 6 and the land of Egypt lies before you. Have your father and brothers live on the best property in the country — let them live in the land of Goshen. Moreover, if you know that some of them are particularly competent, put them in charge of my livestock."Genesis 47:7 Yosef then brought in Ya`akov his father and presented him to Pharaoh, and Ya`akov blessed Pharaoh. 8 Pharaoh asked Ya`akov, "How old are you?" 9 and Ya`akov replied, "The time of my stay on earth has been 130 years; they have been few and difficult, fewer than the years my ancestors lived." 10 Then Ya`akov blessed Pharaoh and left his presence.Genesis 47:11 Yosef found a place for his father and brothers and gave them property in the land of Egypt, in the best region of the country, in the land of Ra`amses, as Pharaoh had ordered. 12 Yosef provided food for his father, his brothers and all his father's household, taking full care of even the youngest.Genesis 47:13 There was no food anywhere, for the famine was very severe, so that both Egypt and Kena`an grew weak from hunger. 14 Yosef collected all the money there was in Egypt and Kena`an in exchange for the grain they bought, and put the money in Pharaoh's treasury. 15 When all the money in Egypt had been spent, and likewise in Kena`an, all the Egyptians approached Yosef and said, "Give us something to eat, even though we have no money; why should we die before your eyes?" Genesis 47:16 Yosef replied, "Give me your livestock. If you don't have money, I will give you food in exchange for your livestock." 17 So they brought Yosef their livestock; and Yosef gave them food in exchange for the horses, flocks, cattle and donkeys — all that year he provided them with food in exchange for all their livestock.Genesis 47:18 When that year was over, they approached Yosef again and said to him, "We won't hide from my lord that all our money is spent, and the herds of livestock belong to my lord. We have nothing left, as my lord can see, but our bodies and our land. 19 Why should we die before your eyes, both we and our land? Buy us and our land for food, and we and our land will be enslaved to Pharaoh. But also give us seed to plant, so that we can stay alive and not die, and so that the land won't become barren." Genesis 47:20 So Yosef acquired all the land in Egypt for Pharaoh, as one by one the Egyptians sold their fields, because the famine weighed on them so severely. Thus the land became the property of Pharaoh. 21 As for the people, he reduced them to serfdom city by city, from one end of Egypt's territory to the other. 22 Only the priests' land did he not acquire, because the priests were entitled to provisions from Pharaoh, and they ate from what Pharaoh provided them; therefore they did not sell their land.Genesis 47:23 Then Yosef said to the people, "As of today I have acquired you and your land for Pharaoh. Here is seed for you to sow the land. 24 When harvest time comes, you are to give twenty percent to Pharaoh; eighty percent will be yours to keep for seed to plant in the fields, as well as for your food and for that of your households and your little ones."Genesis 47:25 They replied, "You have saved our lives! So if it pleases my lord, we will be Pharaoh's slaves." 26 Yosef made it a law for the country of Egypt, valid to this day, that Pharaoh should have twenty percent. Only the property belonging to the priests did not become Pharaoh's.Genesis 47:27 Isra'el lived in the land of Egypt seventeen years. They acquired possessions in it and were productive, and their numbers multiplied greatly.Genesis 47:28 Ya`akov lived in the land of Egypt seventeen years; thus Ya`akov lived to be 147 years old. 29 The time came when Isra'el was approaching death; so he called for his son Yosef and said to him, "If you truly love me, please put your hand under my thigh and pledge that, out of consideration for me, you will not bury me in Egypt. 30 Rather, when I sleep with my fathers, you are to carry me out of Egypt and bury me where they are buried." He replied, "I will do as you have said." 31 He said, "Swear it to me," and he swore to him. Then Isra'el bowed down at the head of his bed.https://www.biblegateway.com/passage/?search=Ecclesiastes%208%3A14-16&version=CJBEcclesiastes 8:14-1614 There is something frustrating that occurs on earth, namely, that there are righteous people to whom things happen as if they were doing wicked deeds; and, again, there are wicked people to whom things happen as if they were doing righteous deeds. I say that this too is pointless. 15 So I recommend enjoyment — a person can do nothing better under the sun than eat, drink and enjoy himself; this is what should accompany him as he does his work for as long as God gives him to live under the sun. 16 When I applied myself to gain wisdom and to observe how people occupy themselves on earth, that people's eyes don't see sleep either by day or by night,Credit to:https://unsplash.com/photos/person-holding-brown-leather-bifold-wallet-3aGZ7a97qwAhttps://unsplash.com/photos/blue-and-black-truck-near-brown-building-during-daytime-3jej1kT20Q4

The Mariners won the series in Minnesota after a close one last night and it came down to sac flies. They've had 3 sac flies in 2 days and Julio had two of them last night. It's amazing what a difference the small things can make! Was last night a perfect set up for Dan Wilson to use his bullpen as he's wanted to all along? :30- Yesterday we talked to Hawkblogger, aka Brian Nemhauser during our Seahawks one series about Byron Murphy II heading into his 2nd season. What positives did he takeaway from Murphy's rookie season and what does he expect this year? :45- We close out the show with one last thing!

The Mariners won the series in Minnesota after a close one last night and it came down to sac flies. They've had 3 sac flies in 2 days and Julio had two of them last night. It's amazing what a difference the small things can make! Was last night a perfect set up for Dan Wilson to use his bullpen as he's wanted to all along? :30- Yesterday we talked to Hawkblogger, aka Brian Nemhauser during our Seahawks one series about Byron Murphy II heading into his 2nd season. What positives did he takeaway from Murphy's rookie season and what does he expect this year? :45- We close out the show with one last thing! See omnystudio.com/listener for privacy information.

Let's talk about Trump wanting credit for Iran....

(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 Pat01:41 Pat's Journey into Points and Miles02:43 First Redemption: A Trip to Japan03:51 Building Credit and Expanding Travel05:47 Emirates First Class Experience13:32 Booking Strategies and Recent Changes20:45 Alternative Routes and Booking Tips23:13 Earning Points and Future Aspirations28:29 Final Tips and Where to Find PatYou 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 Pat at:➤ Instagram: https://www.instagram.com/pointspat/➤ TikTok: https://www.tiktok.com/@pointspat 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.

In this conversation, John Harcar interviews Brittany Winner, who shares her journey from studying biology to becoming a business credit consultant. Brittany discusses the importance of building business credit, the common mistakes entrepreneurs make, and how her experiences led her to help others avoid similar pitfalls. She emphasizes the need for financial education and offers insights into her services that assist business owners in structuring their credit and achieving their financial goals. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Keeping your credit score in good standing is a great way to dramatically reduce the amount of interest you pay on a mortgage and other loans. But.. how? How do we get our credit score up to a number we can be proud of? Well, today, you're going to find out.   Links: Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Do you ever look at someone who has done something remarkable? Something that may take you forever to complete? Guess what? They didn't do that amazing thing overnight. It may have taken them months or, more likely, years before you saw the result. Overnight success is not something that happens often.   Building a solid credit score and profile is a long-term investment in your financial future, much like the remarkable achievements you admire in others.     It will take time, effort, and, most importantly, responsibility to get a credit score that will get you the lowest interest rates and terms on loans should you ever need them. Responsibility is the key to unlocking the potential of your credit score and securing a better financial future.     In this tip, I am going to share with you five ways to help improve your credit score:     Never miss a due date.     Paying your bills on time is the golden rule for maintaining a good credit score. Your payment history will show whether or not you have paid your bills on time, and this is a significant factor that plays into your credit score. Missing a due date can lead to late fees, increased interest rates, and a negative impact on your credit score. Enroll in auto-pay to ensure your payments are automatically deducted from your checking account, guaranteeing they will not be late.  When doing this, just remember to ensure there are sufficient funds in your checking account so you don't get charged overdraft fees.   Keep Your Balances Low.     If you have a credit card or another form of a Line of Credit, be sure to use only a portion of the available credit that has been extended to you. A general rule of thumb is to use no more than 30% of your credit line. So, for example, if you have a credit card with a $1,000 line of credit, a good rule is not to use more than $300.00 of that limit. This is referred to as your credit utilization, and it is another factor that influences your credit score.    If you need to stop, stop, but don't close.     The older we get, the more mature and trustworthy we should become throughout our lives. The same goes for credit. If you have four credit cards and the first one you have is 4 years old, and the rest are 1 or 2 years old, Let's say you close the first one you got because there are no benefits associated with using it; you will reduce the avg age of your credit profile. The longer the average age, the better because it shows you have experience managing debt, and it gives lenders a more extended history to examine when considering a loan for you.    Don't Apply for Everything Thrown Your Way    As you develop credit, you will be thrown offers left and right from lenders saying you are pre-approved or pre-qualify for their products. When you apply, your credit score will be affected, and the inquiry will remain on your credit report for 12-24 months. So, only apply for lines of credit or loans that you truly need and can use responsibly. Try to space out the times you apply by at least one year. But it's even better if you wait longer.     Be Well Rounded    To be particularly attractive to lenders, it is beneficial to have experience with various types of credit. For instance, having a mix of credit cards, student loans, and a mortgage can demonstrate your ability to manage different types of debt responsibly. It's okay to have a variety of debts, and can actually help boost your score a bit.   And there you have it.. 5 ways to improve your credit score.   To recap, the five ways are:     Never Miss a Due Date   Keep Your Balances Low   Don't Close Your Credit Cards   Don't apply for everything thrown your way   Be Well Rounded.     If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.         Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

John Lopez is back with strong Kevin Durant takes — and some questions about how much credit Rafael Stone truly deserves. Are the Astros really as comfortably in first place as it looks? It might not be that simple. QOTD: What's the most unfortunate time you've ever accidentally dropped a cuss word?

John Lopez is back & he has Kevin Durant takes! Should we give more credit to Rafael Stone?

Send us a textIn this powerful episode of Eric On Money, Eric breaks down the truth about credit—and how to use it as a tool to build real wealth. Whether you're just hitting a 700 credit score or still working your way up, this is your roadmap to financial power.Eric, a former “financial imposter,” shares how he went from confused and hesitant to confident and in control. He walks you through clear definitions of credit, leverage, and wealth, explains how credit scores are calculated, and why your score is only the beginning of the story.Learn how interest rates impact your ability to build wealth, what your credit score really gives you access to, and how to use tools like 0% interest credit cards strategically. With relatable examples, practical insights, and a no-fluff coaching mindset, Eric shows you how to shift from fear to power—and turn your credit into a true asset.Key topics:Understanding your credit score and credit mixHow leverage accelerates wealth-buildingWhy net worth matters more than incomeReal-life ways to use credit for investing, not just spendingThe dangers of misusing credit—and how to avoid themThis episode isn't just theory—it's a masterclass in financial empowerment. Tune in, take notes, and start using your credit to create real assets. Support the showJOIN US ON PATREON: FINANCIAL TOOLS: AI powered Financial Coach Fin literacy course Stock course Accelerator BUSINESS TOOLS: Business Planning FOLLOW US ON YOUR FAVORITE PLATFORM: MSG You Tube MSG LinkedIn MSG Facebook MSG Instagram MSG Tik Tok FOLLOW ERIC AND SCOTT: Eric: https://www.linkedin.com/in/ericmcloyd/ Scott: https://www.instagram.com/professorsteward/ ...

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ Did the Trump Firings Cause a Regulatory Crisis at the NCUA? Warren & Waters Demand AnswersEpisode OverviewMark Treichel breaks down the congressional response to President Trump's firing of NCUA Board members Todd Harper and Tanya Otsuka, examining letters from Senators Elizabeth Warren and Maxine Waters that question the agency's legal authority to operate with only one board member.Key Topics CoveredThe Firings and Immediate AftermathApril 16, 2025: Trump fires NCUA Board members Todd Harper and Tanya OtsukaOnly Chairman Kyle Hauptman remains on the three-member boardQuestions arise about the agency's ability to function without a quorumCongressional ResponseElizabeth Warren & Maxine Waters demand answers about NCUA's operationsLetters sent to both the NCUA Inspector General and Board Chairman HauptmanFocus on whether single-member board can legally conduct agency businessThe "Essential Functions" ControversyNCUA relies on delegation authority allowing "essential functions" during emergenciesProblem: No clear definition of what constitutes "essential"Historical context from early 2000s when similar situation occurred with Dennis DollarActions Taken Under QuestionThe IG identified 11 Board Action Memorandums (BAMs) approved by Hauptman alone:Semi-annual agenda establishmentBoard appeal hearing approvalSchedule policy career petitionDeferred resignation program approvalSSP performance standards changesNCA delegation revisionsExamination schedule policy revisionShare insurance rule simplification commentsPersonnel appointments and reassignmentsActing Inspector General appointmentBoard meeting transcript approvalBonus controversial action: Credit union conservatorshipLegal and Political ImplicationsRegulatory crisis: Agency's own regulations require two board members for actionPolitical undertones: Warren designed single-director CFPB but opposes single-member NCUAPending lawsuits: Harper and Otsuka challenging their firings in courtPotential solutions: Trump could appoint new members or court could rule on legalityExpert AnalysisMark Treichel provides insider perspective as former NCUA Deputy Executive Director who helped create the "essential functions" delegation in the early 2000s.Key Questions RaisedWhat constitutes an "essential function" of the NCUA Board?Can the agency issue regulations with only one board member?Are the actions taken since April 16th legally defensible?Will pending court cases resolve the authority questions?Timeline to WatchJuly 7th: Deadline for Hauptman's response to congressional demandsOngoing: Court cases challenging the firingsFuture: Potential new board member appointments

How can multidisciplinary collaboration improve outcomes for your patients with chronic lymphocytic leukemia (CLL) and mantle cell lymphoma (MCL)? Discover expert strategies for optimal care.   Credit available for this activity expires: 6/26/2026 Earn Credit / Learning Objectives & Disclosures: https://www.medscape.org/viewarticle/1002602?ecd=bdc_podcast_libsyn_mscpedu

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Our analysts Andrew Sheets and Kelvin Pang explain why international issuers may be interested in so-called ‘dim sum' bonds, despite Asia's growth drag.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts on the Market. I'm Andrew Sheets, Head of Corporate Credit Research at Morgan Stanley. Kelvin Pang: And I'm Kelvin Pang, Head of Asia Credit Strategy. Andrew Sheets: And today in the program we're going to finish our global tour of credit markets with a discussion of Asia. It's Friday, June 20th at 2pm in London. Kelvin Pang: And 9pm in Hong Kong. Andrew Sheets: Kelvin, thank you for joining us. Thank you especially for joining us so late in your day – to complete this credit World tour. And before we get into the Asia credit market, I think it would just be helpful to frame at a very high level – how you see the economic picture in the region. Kelvin Pang: We do think that the talks and potential deals will probably provide some reprieve towards the growth for the region, but not a big relief. We do think that tariff uncertainty will linger here, and it will keep growth low here; especially if we do think that CapEx of the region will be weaker due to tariff uncertainty. A weaker U.S. dollar, for example, plus monetary easing will help offset some of this growth drag. But overall, we do think that the Asia region could see 90 basis point down in real GDP growth from last year. Andrew Sheets: So, we've got weaker growth in Asia as a function of high tariffs and high tariff uncertainty that can't be offset by further policy easing. In the context of that weaker growth backdrop, higher uncertainty – are credit spreads in the region wide? Kelvin Pang: No, they're actually really low. They're probably at like the lowest since we start having a data in 2013. So definitely like a 12 to 13 year low of the range. Andrew Sheets: And so why is that? Why do you have this kind of seemingly odd disconnect between some real growth challenges? And as you just mentioned, really some of the tightest credit spreads, some of the lowest risk premiums that we've seen in quite some time? Kelvin Pang: Yeah, we get this question a lot from clients, and the short answer is that, you know, the technicals, right? Because the last two years, two-three years, we've been seeing negative net supply for Asia credit. A lot of that is driven by China credit. And if you look at year-to-date, non supply remain still negative net supply. And demand side, for example, has not really picked up that strongly. But it still offsets any outflows that we see the last two-three years; is offset by this negative net supply. So, you put this two together, we have this very strong technicals that support very tight spread. And that's why spread has been tight at historical end in the last, I would say, one to two years. Andrew Sheets: Do you see this changes? Kelvin Pang: Yeah, we do think it's changed. We have a framework that we call the normalization of Asia Credit technicals. And for that to change, essentially our framework is saying that Treasury yields use need to go down, and dollar funding need to go down. Cheaper dollar funding will bring back issuers. Net supply should pick up. Demand for credit tends to do well in a rate cut cycle. Demand tends to pick up in a rate cut cycle. So, if we have these two supports, we do think that Asia credit technicals will normalize. It's just that, you know, we have four stages of normalization. Unfortunately we are in stage two now, and we still have a bit of room to see some further normalization, especially if we don't get rate cuts. Andrew Sheets: Got it. So, you know, we do think that if Morgan Stanley's yield forecasts are correct, yields are going to fall. Issuers will look at those lower yields as more attractive. They'll issue more paper in Asia and that will kind of help rebalance the market some. But we're just not quite there yet. Kelvin Pang: Yeah, we feel like this road to rate cuts has been delayed a few times, in the last two-three years. And that has really been a big conundrum for a lot of Asia credit investors. So hopefully third time's a charm, right. So next year's a big year. Andrew Sheets: So, I guess while we're waiting for that, you also have this dynamic where for companies in Asia, or I guess for any company in the world, borrowing money locally in Asia is quite cheap. You have very low yields in China. You have very low local yields in Japan. How do those yields compare with the economics of borrowing in dollars? And what do you think that, kind of, means for your market? Kelvin Pang: Yeah, I think the short answer is that we are going to see more foreign issuers in local currency market. And, you know, we wrote a report in in March to just to pick on the dim sum corporate bond market. It benefits… Andrew Sheets: And Kelvin, just to stop you there, could you just describe to the listener what a dim sum bond is? And probably why you don't want to eat it? Kelvin Pang: Yes. So dim sum bond is basically a bond denominator in CNH. So, CNH is a[n] offshore Chinese renminbi, sort of, proxy. And it's called dim sum because it's like the most local cuisine in Hong Kong. Most – a lot of dim sum bonds are issued in Hong Kong. A lot of these CNH bonds are issued in Hong Kong, And that's why, [it has] this, you know, sort nickname called dim sum. Andrew Sheets: So, what is the outlook for that market and the economics for issuers who might be interested in it? Kelvin Pang: Yeah. We think it's a great place for global issuers who have natural demand for renminbi or CNH to issue; 10 years CGB is now is like 1.5-1.6 percent. That makes it a very attractive yield. And for a lot of these multinationals, they have natural renminbi needs. So, they don't need to worry about the hedging part of it. And what – and for a lot of investor base, the demands are picking up because we are seeing that renminbi internationalization are making some progress. You know, progress in that means better demand. So, overall, we do think that there is a good chance that the renminbi market or the dim sum market can be a bit more global player – or global, sort of, friendly market for investors. Andrew Sheets: Kelvin, another sector I wanted to ask you about was the China property sector. This was a sector that generated significant headlines over the last several years. It's faced significant credit challenges. It's very large, even by global standards. What's the latest on how China Property Credit is doing and how does that influence your overall view? Kelvin Pang: it's been four plus years, since first default started. and we've been through like 44 China property defaults, close to about 127 billion of total dollar bonds that defaulted. So, we are close to the end of the default cycle. Unfortunately, the end or default cycle doesn't mean that we are in the recovery phase, or we are in the speedy recovery phase. We are seeing a lot of companies struggling to come out restructuring. There are companies that come out restructuring and re-enter defaults. So, we do think that it is a long way to go for a lot of these property developers to come out restructuring and to get back to a going concern, kind of, status – I think we are still a bit far. We need to see the recovery in the physical property markets. And for that to happen, we do need to see the China economy to pick up, which give confidence to the home buyers in that sense. Andrew Sheets: So, Kelvin, we started this conversation with this kind of odd disconnect that kind of defines your market. You have a region that has some of the most significant growth risks from tariffs, some of the highest tariff exposure, and yet also has some of the lowest credit risk premiums with these quite tight spreads. If you look more broadly, are there any other kind of disconnects in your market that you think investors around the world should be aware of? Kelvin Pang: Yeah, we do think that investors need to take advantage of the disconnect because what we have now is a very compressed spread. And we like to be in high quality, right? Whether it is switching our Asia high yield into Asia investment grade, whether it is switching out of, you know, BBB credit into A credit. We think, you know, investors don't lose a lot of spread by doing that. But they manage to pick out higher quality credit. At the same time, we do think that one thing unique about Asia credit is that we have significant exposure to tariff risk. Asia countries are one of the few that are, you know; seven out the 10 countries that are having trade surplus with the U.S. And that's why we think that the iTraxx Asia Ex-Japan CDS index could be a good way to get exposure to tariffs. And the index did very well during the Liberation Day sell off. Now it's trading back to more like normal level of 70-75 basis point. We do think that, you know, for investors who want long tariff with risk, that could be a good way to add risk. Andrew Sheets: Kelvin, it's been great talking to you. Thanks for taking the time to talk. Kelvin Pang: Thank you, Andrew. Andrew Sheets: And thank you listeners as always, for your time. If you find Thoughts of the Market useful, let us know by leaving a review wherever you listen. And also tell a friend or colleague about us today.

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