Podcasts about Cth

  • 149PODCASTS
  • 1,342EPISODES
  • 30mAVG DURATION
  • 5WEEKLY NEW EPISODES
  • Jan 5, 2026LATEST

POPULARITY

20192020202120222023202420252026

Categories



Best podcasts about Cth

Latest podcast episodes about Cth

Commanding The Huddle
Recap of W18 and the offseason to come

Commanding The Huddle

Play Episode Listen Later Jan 5, 2026 44:55


Ryan talks all things Week 18 while providing a peek into the storylines that will drive the offseason for Washington. From free agency, to the draft process, to a dive into this year's season to who deserves to be back, Ryan covers it all in this episode of CTH. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

X22 Report
Midterm Strategy Emerges,Trump Is Taking Down The [DS] Entire Corrupt Temple, Retribution – Ep. 3805

X22 Report

Play Episode Listen Later Dec 29, 2025 97:57


Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture[CB] around the world are dumping the Fed note, they just aren’t taking on anymore, everything is about to change. Trump’s GDP outshines Biden’s. China is now going to restrict silver, silver is used in electronics, batteries,solar panels etc. Silver prices are going to move. [CB] fraud is now exposed. The Tariff system is the future. The [DS] criminal syndicate is being exposed, it’s not just in DC it is world wide. As people learn how corrupt the system is and most of the taxes and borrowing goes to support the criminal system the people will be with Trump to remove the Fed. Trump is in the process of bringing down the entire corrupt temple on the [DS]. Trump moves closer to peace with Ukraine, 2026 is going to change everything. Economy Status of the US Dollar as Global Reserve Currency: USD Share Drops to Lowest since 1994  Central Banks diversify their holdings into dozens of smaller “non-traditional reserve currencies.”  The share of USD-denominated assets held by other central banks dropped to 56.9% of total foreign exchange reserves in Q3, the lowest since 1994, from 57.1% in Q2 and 58.5% in Q1, according to the IMF's new data on Currency Composition of Official Foreign Exchange Reserves. USD-denominated foreign exchange reserves include US Treasury securities, US mortgage-backed securities (MBS), US agency securities, US corporate bonds, and other USD-denominated assets held by central banks other than the Fed. Excluded are any central bank's assets denominated in its own currency, such as the Fed's Treasury securities or the ECB's euro-denominated securities. It's not that foreign central banks dumped US-dollar-denominated assets, such as Treasury securities. They did not. They added a little to their holdings. But they added more assets denominated in other currencies, particularly a gaggle of smaller currencies whose combined share has surged, while central banks' holdings of USD-denominated assets haven't changed much for a decade, and so the percentage share of those USD assets continued to decline.   Central banks' holdings of foreign exchange reserves in all currencies, and expressed in USD, rose to $13.0 trillion in Q3. Top holdings, expressed in USD: USD assets: $7.41 trillion Euro assets (EUR): $2.65 trillion Yen assets (YEN): $0.76 trillion British pound assets (GBP): $0.58 trillion Canadian dollar assets (CAD): $0.35 trillion Australian dollar assets (AUD): $0.27 trillion Chinese renminbi (RMB) assets: $0.25 trillion Source: wolfstreet.com (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");  https://twitter.com/elonmusk/status/2004750391435755846?s=20 https://twitter.com/ElectionWiz/status/2004928015172821228?s=20 https://twitter.com/ElectionWiz/status/2004946780216328590?s=20  Political/Rights https://twitter.com/Patri0tContr0l/status/2004590513182367845?s=20  https://twitter.com/Geiger_Capital/status/2005107085865103608?s=20 ICE: 70% Arrested Had Criminal Ties Roughly 70% of illegal migrants arrested by U.S. Immigration and Customs Enforcement (ICE) under the second Trump administration reportedly had been convicted of or faced charges for criminal offenses. New data provided to the Washington Examiner shows the Trump administration arrested about 595,000 illegal immigrants between Jan. 20 and Dec. 11, according to the Department of Homeland Security. ICE said 70%, roughly 416,000, had “criminal convictions or pending criminal charges” in the United States, underscoring President Donald Trump’s promise to prioritize the “worst of the worst” in immigration enforcement. ICE officials stressed that even those without U.S. criminal records can still pose major public safety threats, the agency said, noting many are wanted abroad for violent crimes or have ties to gangs, terrorism, or other serious offenses. “This statistic doesn’t account for those wanted for violent crimes in their home country or another country, INTERPOL notices, human rights abusers, gang members, terrorists, etc. The list goes on,” an ICE spokesperson told the Examiner. Source: newsmax.com   New Files Show Epstein Was ‘Too Useful' for Banks to Drop — Trump Was ‘Too Politically Dangerous' to Keep  The newest Epstein disclosures include deposition testimony that illustrates, in unusually concrete detail, how major financial institutions assessed risk, value, and accountability. The transcript does not add new allegations about Epstein. Instead, it explains why he remained bankable long after his 2008 conviction and why his relationship with major banks survived despite generating almost no traditional revenue. That institutional logic is the same logic that later drove JPMorgan to end its ties with Trump Media, and the contrast between the two cases shows how selectively these standards are applied. In the deposition, Paul Morris—a private banker who handled Epstein's accounts at JPMorgan Chase and later Deutsche Bank—described Epstein's financial profile with unusual precision. Epstein's trading was minimal. His accounts produced limited fees. He was not a high-activity client and did not utilize the investment tools that banks rely on to generate consistent revenue. By every conventional benchmark, he was a low-value account. And yet, the relationship continued. The deposition shows why. Epstein was not retained for his financial performance but for his institutional usefulness. Morris acknowledged that Epstein facilitated introductions to ultra-wealthy individuals that the bank viewed as essential prospects. One example was Leon Black, whom Morris identified as a “priority prospect” because of Black's significant net worth and influence in the investment sector. Epstein introduced the bank to real-estate investor Andrew Farkas and discussed a potential connection involving biotech investor Boris Nikolic, who had ties to Bill Gates. These introductions were specific, documented, and initiated by Epstein, not the bank. This is the key element that many public accounts overlook. Epstein was not being managed as a traditional client. He functioned as a relationship broker inside a system where introductions to power carry more internal value than account-level returns. Source: thegatewaypundit.com  DOGE Geopolitical The EU Leaders Shouting About Visa Bans Are the Same EU Leaders Who Sent Political Operatives Into the U.S. to Support Kamala Harris  EU leaders from across the spectrum of their collective assembly, are furious with the administration of President Donald Trump for restricting their entry into the United States by blocking their visa permissions.  However, these same EU leaders are the people who sent operatives into the United States in order to interfere in our 2024 election. The Vice President of the European Commission, Kaja Kallas, sums up the European position: “The decision by the U.S. to impose travel restrictions on European citizens and officials is unacceptable and an attempt to challenge our sovereignty. Europe will keep defending its values — freedom of expression, fair digital rules, and the right to regulate our own space.” The “attempt to challenge our sovereignty” statement is a particular type of hubris when we consider THIS: GREAT BRITAIN (October 2024) – The British Labour Party is sending approximately 100 current and former staff members to the United States to work for Vice President Kamala Harris' campaign in key swing states. [SOURCE – LINKEDIN] Not only did the U.K attempt to challenge our sovereignty, but they also actively worked to influence the outcome of our national election in 2024. It is worth remembering the British intelligence operation, (Secret Intelligence Service (SIS), commonly known as MI6), was at the center of the Trump-Russia collusion conspiracy in 2016. The first EU political group to be targeted with the visa bans includes French former EU commissioner Thierry Breton, who was one of the architects of the EU's Digital Services Act (DSA). Also: Imran Ahmed, the British CEO of the U.S.-based Center for Countering Digital Hate, Anna-Lena von Hodenberg and Josephine Ballon of the German non-profit HateAid, and Clare Melford, co-founder of the Global Disinformation Index. https://twitter.com/GeneHamilton/status/2004656229684224393?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004656229684224393%7Ctwgr%5E91706d63d41394916634b106fbd2268d7711e121%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Ftheconservativetreehouse.com%2Fblog%2F2025%2F12%2F27%2Fthe-eu-leaders-shouting-about-visa-bans-are-the-same-eu-leaders-who-sent-political-operatives-into-the-u-s-to-support-kamala-harris%2F https://twitter.com/GeneHamilton/status/2004656234910433405?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004656234910433405%7Ctwgr%5E91706d63d41394916634b106fbd2268d7711e121%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Ftheconservativetreehouse.com%2Fblog%2F2025%2F12%2F27%2Fthe-eu-leaders-shouting-about-visa-bans-are-the-same-eu-leaders-who-sent-political-operatives-into-the-u-s-to-support-kamala-harris%2F Source: theconservativetreehouse.com https://twitter.com/michaelgwaltz/status/2005058695647166898?s=20 https://twitter.com/visegrad24/status/2005035840934723894?s=20 War/Peace   EIGHT, perhaps the United States has become the REAL United Nations, which has been of very little assistance or help in any of them, including the disaster currently going on between Russia and Ukraine. The United Nations must start getting active and involved in WORLD PEACE!   the United States is capable of doing. Under my leadership, our Country will not allow Radical Islamic Terrorism to prosper. May God Bless our Military, and MERRY CHRISTMAS to all, including the dead Terrorists, of which there will be many more if their slaughter of Christians continues.   DONALD J. TRUMP PRESIDENT OF THE UNITED STATES OF AMERICA Trump Tasks Military With an ‘Oil Quarantine' Against Venezuela, as Economic Pressure Is Chosen for Now Over Military Action Venezuela's oil industry under maximum pressure.   And now that the extended holidays are over, the socialist regime will have to deal with the veritable siege imposed by the US and its unprecedented armada. Venezuela is running out of storage space for its oil production since some ships are being seized and many others turned around and left.  Now, it arises that Donald J. Trump has directed US forces to enforce ‘an oil quarantine' against Venezuela for at least the next two months. These moves lead many to think that the Trump team will focus on economic rather than military means to pressure Caracas into ousting Maduro. Reuters reported:   Read  more: Source: thegatewaypundit.com Trump Blockade Leaves $1 Billion Of Venezuelan Crude Stranded On Tankers  With a two-month “quarantine” placed on Venezuelan oil by the Trump administration in a foreign policy move called “gunboat diplomacy,” new data estimate that roughly $900 million worth of crude is currently loaded on tankers, unable to depart Venezuela due to the U.S. blockade. “Based on our visual analysis from both shore and space, we estimate that there are around 17.5 million barrels of crude oil floating onboard tankers in Venezuela which are unable to depart due to the ongoing US blockade,” independent research Tanker Trackers wrote on X. “That’s around $900M of oil.” https://twitter.com/TankerTrackers/status/2004713684871078162?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2004713684871078162%7Ctwgr%5E016cd45f97095edcd74bb159f40c4e93caf9794d%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.zerohedge.com%2Fcommodities%2Ftrump-blockade-leaves-1-billion-venezuelan-crude-stranded-tankers Source: zerohedge.com Trump to POLITICO: Zelenskyy ‘doesn't have anything until I approve it' Trump's comments come ahead of his Sunday meeting with Zelenskyy, who will bring with him a new 20-point plan to end the war President Donald Trump on Friday cast himself as the ultimate arbiter of any peace deal between Ukraine and Russia, in an exclusive conversation with POLITICO. “He doesn't have anything until I approve it,” Trump said. “So we'll see what he's got.” Source: politico.com https://twitter.com/FoxNews/status/2005352028365848993?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2005352028365848993%7Ctwgr%5E1588e24fb392689513bf7b2f064c646c1bf5f470%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Ftrump-says-russia-ukraine-peace-talks-entering-final%2F  Medical/False Flags 19 Blue States Sue Trump Admin to Preserve Right to Perform Child Sex Changes Last week, Secretary of Health and Human Services Robert F. Kennedy Jr. said he would cut off Medicare and Medicaid funding to any provider that offers so-called gender-affirming treatment to minors. “Under my leadership, and answering President Trump's call to action, the federal government will do everything in its power to stop unsafe, irreversible practices that put our children at risk,” Kennedy said at the time. The Oregon-led lawsuit claims that the decision “exceeds the Secretary's authority and violates the Administrative Procedure Act and the Medicare and Medicaid statutes.” A total of nineteen blue states are suing the Trump administration in a bid to protect the right to perform child sex changes. His office said in a press release: Source: thegatewaypundit.com [DS] Agenda  https://twitter.com/nickshirleyy/status/2004642794862961123?s=20   work way too hard and pay too much in taxes for this to be happening, the fraud must be stopped. https://twitter.com/MAGAVoice/status/2005011311756017964?s=20 https://twitter.com/libsoftiktok/status/2005158623442600391?s=20 https://twitter.com/DataRepublican/status/2005292438114738555?s=20  diabolical. And it’s going to work until we understand that primaries will be more important than generals from here out on. https://twitter.com/C_3C_3/status/2005016429687701811?s=20 https://twitter.com/WarClandestine/status/2005351086115405986?s=20 https://twitter.com/CynicalPublius/status/2005030256382464493?s=20  and your tribe. I spent a lot of my life in the Middle East and Central Asia, working closely with foreign contractors and foreign governments to provide support to American military operations. As a US Army officer with a big checkbook courtesy of Uncle Sam, I can't really count the sheer number of times I was offered bribes to award a contract, or falsify records to do things like create larger (fake) headcounts at places like dining facilities, or to just simply be on the take for future illegal requests. Of course I had enough sense to never comply with such requests. Moreover, they were never explicitly structured as “bribes”; instead it was usually along the lines of “Here I have these Rolexes as gifts for you and your wife to show our friendship.” (Unfortunately, too many US officers and NCOs succumbed to this siren song and ended up breaking rocks in Leavenworth.) The weird thing about this to me was that whenever I turned down such an offering, it was treated as a grave insult. I was the one in the wrong, and not the fraudster trying to bribe me. They considered it rude that I was in their country and refused to accept how things got done. After all, why did I not want to help my tribe by helping their tribe? Let me repeat: in these cultures, FRAUD IS NOT EVEN A CONCEPT. There is only what helps your tribe. Such thought processes are so alien to Americans and much of the West. We are raised on the presumption that our institutions are valid, that the rule of law always prevails, and that integrity is universal. We need these presumptions to have working governments and economies, and without those presumptions—without the mental barrier that causes us not to accept outright fraud—our nation would quickly descend into the economic and social hellscape of countries like…. ummm… you know…. SOMALIA! So when we import people en masse from cultures that accept bribery and fraud as routine, acceptable ways to advance one's tribe, we should not be surprised that things like the $8 BILLION fraud schemes of the Somali population in Minnesota happen so easily. Introducing a fraud-based culture based on tribalism into America is like introducing some sort of lethal virus into a population that has no natural immunity. The virus will spread and grow, unchecked, because it is so alien to the host. Similarly, a culture of fraud is anathema to American thinking, and it must be cut out before it consumes the host. So when you see and hear patriotic Americans decrying what is happening in Minnesota or elsewhere, and when they seek deportation of the offenders, it is not “racism,” it is not “bigotry,” it is not “xenophobia”; instead, it is preserving the American tradition of responsible institutions and national integrity. https://twitter.com/MarioNawfal/status/2005262465190223928?s=20 https://twitter.com/FBIDirectorKash/status/2005305530651189719?s=20   exploiting federal programs. Fraud that steals from taxpayers and robs vulnerable children will remain a top FBI priority in Minnesota and nationwide. To date, the FBI dismantled a $250 million fraud scheme that stole federal food aid meant for vulnerable children during COVID. The investigation exposed sham vendors, shell companies, and large-scale money laundering tied to the Feeding Our Future network. The case led to 78 indictments and 57 convictions. Defendants included Abdiwahab Ahmed Mohamud, Ahmed Ali, Hussein Farah, Abdullahe Nur Jesow, Asha Farhan Hassan, Ousman Camara, and Abdirashid Bixi Dool, each charged for roles ranging from wire fraud to money laundering and conspiracy. These criminals didn't just engaged in historic fraud, but tried to subvert justice as well. Abdimajid Mohamed Nur and others were charged for attempting to bribe a juror with $120,000 in cash. Those responsible pleaded guilty and were sentenced, including a 10-year prison term and nearly $48 million in restitution in related cases. The FBI believes this is just the tip of a very large iceberg. We will continue to follow the money and protect children, and this investigation very much remains ongoing. Furthermore, many are also being referred to immigrations officials for possible further denaturalization and deportation proceedings where eligible. https://twitter.com/ScottPresler/status/2004932316926193933?s=20 https://twitter.com/HarmeetKDhillon/status/2004976287270731981?s=20 https://twitter.com/rising_serpent/status/2005080344610177489?s=20  https://twitter.com/amuse/status/2005092720927232198?s=20  “skeptical jurors” in federal cases involving President Trump. Co-founder Alex Dodds said jurors have “enormous power” to judge the administration itself. Critics report the sessions encourage rigging trials against the administration, conduct plainly barred under 8 USC §1503. President Trump's Plan https://twitter.com/WarClandestine/status/2004653262491058216?s=20 accomplished what no one else could. When we arrived, taxpayers were about to be on the hook for nearly $5 billion for a new headquarters that wouldn't open until 2035. We scrapped that plan. Instead, we selected the already-existing Reagan Building, saving billions and allowing the transition to begin immediately with required safety and infrastructure upgrades already underway. Once complete, most of the HQ FBI workforce will move in, and the rest are continuing in our ongoing push to put more manpower in the field, where they will remain. This decision puts resources where they belong: defending the homeland, crushing violent crime, and protecting national security. It delivers better tools for today's FBI workforce at a fraction of the cost. The Hoover Building will be shut down permanently.  They Got Her: FBI Caught Hillary Clinton Talking Donations with Foreign Felon on Tape As Hillary Clinton closed in on the presidential nomination in the spring of 2016, FBI field officers advised colleagues at headquarters to press her on the foreign donations flowing to the Clinton Foundation while she steered American foreign policy and whether she had used the charity as a campaign piggy bank. But the FBI HQ in Washington — a city in which the former secretary of state and first lady wields enormous influence — let the trail go cold. FBI New York Assistant Director in Charge Diego Rodriguez advised agents in Washington to ask Clinton several questions about the foundation, which are reproduced in full in documents released to the Senate Judiciary Committee by the FBI and published on Dec. 15. The questions reveal the concerns about foreign bribery that the Clinton Foundation case — codenamed “Cracked Foundation” — had uncovered. Among the evidence available to investigators, according to their questions: A recorded conversation between Clinton and Indian hotel magnate Sant Singh Chatwal in which Clinton discussed donations to the foundation and her remaining 2008 campaign debt. The new documents confirm that the FBI had at one time been “intercepting individuals associated with the Clinton Foundation.” Source: westernjournal.com  John Brennan's Lawfare Lawyers are Revealing More Than They Intend   former CIA Director John Brennan are sending proactive letters to the Federal District Court for the Southern District of Florida {SEE HERE}.  However, some of the information included in the letters intended to be exculpatory is actually damning against their defense position. You have to go deep in the weeds to see it but if you understand the details of the events, the information being revealed by Brennan's lawyers is the opposite of helpful to his case.  As an example, there is a citation included in a footnote of the December 22, 2025, [fn #20 page 6] letter that links to a March 31, 2022, letter sent to John Durham. Here's page 6 of the 2025 letter. Compare the underlined section to the 2022 letter sent to John Durham. In 2025 Brennan is telling the Florida court the Intelligence Community Assessment (ICA) conclusion was confirmed by Special Counsel Robert Mueller in a “very serious review.”  However, in 2022 Brennan told John Durham that Robert Mueller never interviewed him or offered an assessment of the ICA; Mueller just regurgitated it. So, which is it? These contradictions are throughout both of the letters when you compare them side-by-side.  In 2022 former CIA Director John Brennan was trying to escape the Durham review.  In 2025 Brennan is trying to escape a grand jury review. [We are aware that the U.S Attorney for the Southern District of Florida, Jason Reding Quiñones, has access to the CTH public library of research into all of these historic events.] There are other citations in the 2022 letter that are certainly worth reviewing because the legally binding statements made by John Brennan at the time have been shown to be false in 2025. Another of the claims in the 2022 letter to John Durham highlights why it was critical for the CIA to assist in the capture and arrest of Julian Assange in 2019. Source: thegatewaypundit.com  Trump: Upcoming Midterms Will Be ‘About Pricing’ The 2026 midterm elections will be “about pricing,” according to President Donald Trump, who said that his administration is restoring the nation’s economy after the condition in which former President Joe Biden left it. “I think it’s going to be about the success of our country,” Trump said in an interview with Politico, the outlet reported Saturday. “They gave us high pricing, and we’re bringing it down. Energy’s way down. Gasoline is way down.” Over the past two weeks, a series of positive economic reports has shown that inflation is decreasing, with the White House highlighting the latest data while addressing cost-of-living concerns nationwide. According to a Politico poll conducted last month, Americans say they are finding that the costs of groceries, utilities, healthcare, housing, and transportation are too expensive. Trump has been fighting to reframe that, however, blaming Democrats under Biden for driving prices up. He said in the interview, conducted Friday, that “electricity is down. It’s way down.” “When the gasoline goes down, and when the oil and gas go down, the electricity comes down naturally,” he said. “But it’s all coming down. It’s all coming down. It’s coming beautifully.” Source: newsmax.com https://twitter.com/WarClandestine/status/2004696380531503505?s=20   the NG will have quick response troops on standby in every state, the FBI building is being moved to a new location, the war between Russia and Ukraine is coming to an end, and all of Trump's pieces will be in place. There seems to be a shift in attitude. I think we are passing into a different phase of the operation. The shadow war will eventually have to come to the surface. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");

Commanding The Huddle
Bill, Johnny, Magee -- Bright Spots against DAL

Commanding The Huddle

Play Episode Listen Later Dec 29, 2025 37:06


Ryan recaps W17 against the Dallas Cowboys, where a long list of young ballplayers took advantage of snaps as the season winds down. That, and much, much more on this episode of CTH. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Phúc Âm Trọn Vẹn
Podcast số 531 – Trang Mạng tháng 12, 2025 – Giữ Vững Tầm Nhìn Về Sự Vĩnh Cửu – Bunhuoch Eng

Phúc Âm Trọn Vẹn

Play Episode Listen Later Dec 29, 2025


Bài của Anh Cả Bunhuoch Eng, Thầy Bảy Mươi Có Thẩm Quyền Giáo Vùng, Giáo Vùng Châu Á Campuchia đã trải qua nhiều cuộc nội chiến bi thảm. Tôi sinh ra ngay sau khi xung đột kết thúc. Cuộc sống khó khăn, lương thực khan hiếm khi cha mẹ tôi phải vật lộn để nuôi […] The post Podcast số 531 – Trang Mạng tháng 12, 2025 – Giữ Vững Tầm Nhìn Về Sự Vĩnh Cửu – Bunhuoch Eng appeared first on Thánh Hữu Việt Nam.

Aus Property Mastery with PK
Death Of Australian Housing Coming

Aus Property Mastery with PK

Play Episode Listen Later Dec 22, 2025 18:57


When will our housing system crumble? The question is: are we in mid stage or late stage capitalism? Inequality is spiking exponentially. Something has to change. In this episode I discuss unscripted thoughts about capitalism, financial (un)happiness and its consequences on Australia's future. Discussion Points: 00:00: Introduction 01:12: The Real Stats: Inequality is GROWING 04:07: Australia’s high-worth net individuals are INCREASING 08:10: Government doesn't have to care about the average person 14:29: Capitalism means preserving rather than enjoying wealth 18:18: Conclusion About The Host: Subscribe to Aus Property Mastery with PK for no BS, “straight to the point” property investing strategies and data-driven insights about the Australian housing market - the only property podcast not biased by a “Buyers Agent”. You can listen to Aus Property Mastery on Apple Podcasts, Spotify & YouTube Music. PK Gupta is the founder of the Property Investment Accelerator — Australia's #1 Rated And ONLY 100% Independent Real Estate Course & Mentorship Program that helps people achieve passive income through property investing using DATA, WITHOUT wasting months doing "research", spending weekends at inspections OR dropping $10-20k on Buyers Agents each time. Resources: Watch FREE Trainings On Our Website

Commanding The Huddle
The story within W16 against PHI

Commanding The Huddle

Play Episode Listen Later Dec 19, 2025 37:59


Ryan is back to talk all things W16 against the visiting Eagles. From the impact of Laremy Tunsil's injury, to a deep dive into key names that deserve snaps, to the evaluation period that could lay the foundation for the next few years in Washington, Ryan takes the layers back on this episode of CTH. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Commanding The Huddle
Evaluation period -- who shows up against the Giants?

Commanding The Huddle

Play Episode Listen Later Dec 12, 2025 29:52


Ryan talks about the key evaluation period the Commanders now enter with Week 15 on the horizon. He talks effort, execution, and the bottom line... who wants to strap up and compete, and who doesn't for Washington. That and much more on this episode of CTH. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Water’s Edge
Second tenure - observations with Troy

Water’s Edge

Play Episode Listen Later Dec 12, 2025 31:52


In August 2025, Troy Grant was re-appointed for a second and final term as the Inspector-General of Water Compliance. The position can be held for a total of eight years under the Water Act 2007 (Cth). In this episode, Troy reflects on his first term as Inspector-General from 2021 to 2025. He shares what people can expect in the next four years. Troy also discusses the work being done in water management and his recent visit to southern areas of the Basin. Additionally, he offers insights on leadership, creating a legacy, and building a new team to support the Inspector-General of Water Compliance. If you would like to learn more about the Murray-Darling Basin after listening to this episode of Water's Edge, visit our educational video series, Australia's Murray-Darling Basin.   

Aus Property Mastery with PK
Creating $150K Passive Income, How Michael Did It

Aus Property Mastery with PK

Play Episode Listen Later Nov 30, 2025 52:19


Michael Ong is building a cashflow machine. He's at $150k passive income between his property & stock portfolio. He plans to almost TRIPLE it for retirement. Michael has an amazing story, migrating to Australia from the Philippines and working hard in his career to fund his lifestyle and investments. In this episode learn how he built his portfolio, how his world view of economics shapes his decision making, his biggest regrets through the journey, his plans for property buying over the next 5 years, and the lessons he's teaching his son to create generational wealth. Discussion Points: 00:00: Introduction 02:32: Michael’s migration story & buying in Sydney 11:38: Looking interstate for a secure future 19:02: The aspirational game: minimising risk by knowing the market 24:31: Australian property undervalued? 33:20: Navigating the confusion, land is KEY 44:22: Michael’s 10-year outlook & parenting advice 50:12: Conclusion About The Host: Subscribe to Aus Property Mastery with PK for no BS, “straight to the point” property investing strategies and data-driven insights about the Australian housing market - the only property podcast not biased by a “Buyers Agent”. You can listen to Aus Property Mastery on Apple Podcasts, Spotify & YouTube Music. PK Gupta is the founder of the Property Investment Accelerator — Australia's #1 Rated And ONLY 100% Independent Real Estate Course & Mentorship Program that helps people achieve passive income through property investing using DATA, WITHOUT wasting months doing "research", spending weekends at inspections OR dropping $10-20k on Buyers Agents each time. Resources: Watch FREE Trainings On Our Website

Aus Property Mastery with PK
Melbourne Lady To Buy PPOR Debt-FREE Through Investing

Aus Property Mastery with PK

Play Episode Listen Later Nov 23, 2025 50:45


Linh Dang has bought FIVE investment properties & plans to buy her Melbourne PPOR mortgage-free! ❤️ I'm proud to call her a client of the Property Investment Accelerator.

SBS Vietnamese - SBS Việt ngữ
Mưa Đỏ: Trận đánh Cổ Thành và chuyện kể từ người trong cuộc

SBS Vietnamese - SBS Việt ngữ

Play Episode Listen Later Nov 17, 2025 18:15


Bộ phim Mưa Đỏ – dựa theo tiểu thuyết cùng tên – đã kể lại trận Quảng Trị như một bản hùng ca một chiều. Nhưng một sỹ quan quân lực Việt Nam Cộng Hòa, người ở phía bên kia của bản hùng ca, lại có một cách kể khác đầy ám ảnh về trận đánh này. Thiếu tá Trương Đăng Sỹ - người chỉ huy đơn vị Nhảy Dù trong trận đánh tái chiếm Cổ Thành - kể lại câu chuyện của đồng đội, của lá cờ vàng được cắm lên Cổ Thành, và của những sinh mạng đã ngã xuống

SBS Vietnamese - SBS Việt ngữ
Mưa Đỏ: Cổ Thành Quảng Trị trong ký ức người dân

SBS Vietnamese - SBS Việt ngữ

Play Episode Listen Later Nov 10, 2025 19:27


Quảng Trị năm 1972, trận chiến khốc liệt ở Cổ Thành đã biến vùng đất nhỏ bé bên bờ sông Thạch Hãn thành biểu tượng của máu và nước mắt. Năm mươi năm sau, câu chuyện ấy lại trở thành cảm hứng cho tiểu thuyết và bộ phim Mưa Đỏ – một tác phẩm gây chú ý, nhưng cũng gây tranh cãi. Phim khắc họa tinh thần quả cảm của người lính phía Bắc, nhưng một người dân sống tại Cổ Thành cho thấy một góc nhìn khác về cuộc chiến ấy. Ký ức về Cổ Thành không chỉ là quá khứ, mà là lời nhắc rằng: những người dân bình thường cũng cần được lắng nghe khi nói về chiến tranh.

Aus Property Mastery with PK
Sydney Gardener Makes $500K In 18 Months

Aus Property Mastery with PK

Play Episode Listen Later Nov 9, 2025 38:17


Barry Krishnan dismissed a Buyers Agent and instead bought properties in Townsville, Sydney & Darwin - DIY - making $500K equity in 18 months. Formerly a restaurant manager, now an owner of a small gardening & mowing company, this is Barry's story of hard work and ACTION. ❤️ I'm happy to say he used the Property Investment Accelerator to not only buy investment properties but also upgrade his Principal Place Of Residence (PPOR). In this episode learn:

Lonsec Portfolio Perspectives from the CIO's office
Ep 28 - Portfolio Perspectives - 5 November 2025

Lonsec Portfolio Perspectives from the CIO's office

Play Episode Listen Later Nov 5, 2025 5:10


Rotation is the name of the game in this November edition of Portfolio Perspectives. Hosted by Nathan Lim, Chief Investment Strategist of Evidentia Group.Important Information: This information is published by Lonsec Investment Solutions Pty Ltd (LIS) ABN 95 608 837 583, a Corporate Authorised Representative of Evidentia Financial Services Pty Ltd ABN97 664 546 525 AFSL 546217 (EFS). Generation Development Group Limited ABN 90 087 334 370 (GDG) is the ultimate parent company of LIS and EFS. LIS creates the model portfolios it distributes using the investment researchprovided by Lonsec Research Pty Ltd ABN 11 151 658 561 AFSL 421445 (Lonsec Research), also a GDG company, but is not involved in Lonsec Research's investment research process.Warnings: Past performance is not a reliable indicator of future performance. Any express or implied rating or advice presented in this publication is limited to “general advice” (as defined in the Corporations Act 2001 (Cth)) and does not take into account investors' objectives, financial situation or needs. Investors should consider the appropriateness of the information and relevant Product Disclosure Statement (PDS) or offer document (and where relevant, applicable target market determination) before deciding whether to acquire, or to continue to hold a financial product. If you require financial advice that takes into account your personal objectives, financial situation and needs, you should consult your licensed or authorised financial adviser.Disclaimer: This information is based on sources considered to be reliable.  It is based on our judgement at the time of issue and is subject to change. No representation, warranty or undertaking is given or made in relation to the accuracy or completeness of the information presented in this publication. To the extent permitted by law, none of GDG and its related entities, their directors, officers, employees and agents accepts any liability for any loss or damage as a result of any reliance on this information.

Aus Property Mastery with PK
Fixed vs Variable Interest Loan?

Aus Property Mastery with PK

Play Episode Listen Later Nov 2, 2025 16:03


Should you go with a fixed interest rate? Or a variable interest rate? Which one is better? If you've ever taken out a loan of any kind, you may have been presented with these options. In this episode, I tell you about how both of them work, and which I recommend choosing based on your unique situation. Discussion Points: 00:00: Introduction 01:09: Locked in with fixed: no option to refinance 04:38: Stuck on high interest rates with fixed 07:14: No option to extend interest only in fixed 10:00: Fixed interest = no offset account 11:56: The pros: fixed interest cheaper and more stable? 13:45: Which option makes the most sense? 14:43: Conclusion About The Host: Subscribe to Aus Property Mastery with PK for no BS, “straight to the point” property investing strategies and data-driven insights about the Australian housing market - the only property podcast not biased by a “Buyers Agent”. You can listen to Aus Property Mastery on Apple Podcasts, Spotify & YouTube Music. PK Gupta is the founder of the Property Investment Accelerator — Australia's #1 Rated And ONLY 100% Independent Real Estate Course & Mentorship Program that helps people achieve passive income through property investing using DATA, WITHOUT wasting months doing "research", spending weekends at inspections OR dropping $10-20k on Buyers Agents each time. Resources: Watch FREE Trainings On Our Website

Aus Property Mastery with PK
Westpac Predicts 2026 Property BOOM!

Aus Property Mastery with PK

Play Episode Listen Later Oct 26, 2025 16:16


House prices are set to rise dramatically across the nation, according to Westpac. ❓ In this episode we assess how house prices will rise despite the average person not able to afford them. ⚠️ We also investigate which locations will rise the most, and issue a word of warning into the swarm of investors rushing into Victoria right now. Discussion Points: 00:00: Introduction 04:32: Predicting the best time to make money 06:54: House prices in capital cities expected to rise 08:53: RBA’s estimated neutral rate: what does it mean? 10:50: House prices RISING as the rich get richer 12:34: WARNING: think twice before buying into Victoria hype 15:00: The best time to invest is now! 15:35: Conclusion About The Host: Subscribe to Aus Property Mastery with PK for no BS, “straight to the point” property investing strategies and data-driven insights about the Australian housing market - the only property podcast not biased by a “Buyers Agent”. You can listen to Aus Property Mastery on Apple Podcasts, Spotify & YouTube Music. PK Gupta is the founder of the Property Investment Accelerator — Australia's #1 Rated And ONLY 100% Independent Real Estate Course & Mentorship Program that helps people achieve passive income through property investing using DATA, WITHOUT wasting months doing "research", spending weekends at inspections OR dropping $10-20k on Buyers Agents each time. Resources: Watch FREE Trainings On Our Website

NCUSCR Interviews
China & the Hill: China Unveils new Five Year Plan, U.S. Fortifies Guam Against China, Beijing Dismisses Top Officials

NCUSCR Interviews

Play Episode Listen Later Oct 22, 2025 6:58


China & the Hill is now on Substack!  China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast.

Coffee and a Case Note
Stay or Go?: Part Three, Just and Equitable Winding Up | Jonathon Dooley of Greenway Chambers and James d'Apice of Gravamen for BenchTV

Coffee and a Case Note

Play Episode Listen Later Oct 22, 2025 58:08


As part of a series of three talks together, James d'Apice recently joined eminent senior junior barrister Jonathon Dooley of Greenway Chambers to discuss the law of Just and Equitable Winding Up (s 461(1)(k) of the Corporations Act 2001 (Cth)).This is Jonathon's and James' third talk about the big ticket items when advising your shareholder clients whether they want to *stay* or whether they want to *go*.The three talks they gave on this topic were:1. Corporate oppression (this talk!)2. Derivative actions (to be released in future)3. Just and equitable winding up (to be released in future)Hope this one brings you some value. As you may be able to tell, James and Jonathon had good fun presenting!___Jonathon's profile can be found here: https://www.greenway.com.au/jonathon-dooley/BenchmarkTV's website is here for all of your CLE needs: https://benchtv.com.au/And of course, James' firm Gravamen has its website is here: www.gravamen.com.au

Coffee and a Case Note
Stay or Go?: Part Two, Derivative Actions | Jonathon Dooley of Greenway Chambers and James d'Apice of Gravamen for BenchTV

Coffee and a Case Note

Play Episode Listen Later Oct 21, 2025 64:45


As part of a series of three talks together, James d'Apice recently joined eminent senior junior barrister Jonathon Dooley of Greenway Chambers to discuss the law of Derivative Actions (ss 236 and 237 of the Corporations Act 2001 (Cth)).This is Jonathon's and James' second talk about the big ticket items when advising your shareholder clients whether they want to *stay* or whether they want to *go*.The three talks they gave on this topic were:1. Corporate oppression (this talk!)2. Derivative actions (to be released in future)3. Just and equitable winding up (to be released in future)Hope this one brings you some value. As you may be able to tell, James and Jonathon had good fun presenting!___Jonathon's profile can be found here: https://www.greenway.com.au/jonathon-dooley/BenchmarkTV's website is here for all of your CLE needs: https://benchtv.com.au/And of course, James' firm Gravamen has its website is here: www.gravamen.com.au

Aus Property Mastery with PK
What's Coming Worse Than 1929 Depression For Middle Class

Aus Property Mastery with PK

Play Episode Listen Later Oct 12, 2025 10:45


1971: Why the 'middle class" is being AXED, yet house prices continue to increase? ⏰ It was the year the money game changed forever. But most people still have no clue. ❗Inequality rising, cost of living rising, financial pressure rising. There is a SOLUTION: understand how the world changed in 1971 to stop the pain. Discussion Points: 00:00: Introduction 02:14: Aus city house prices rising REGARDLESS 03:32: Workers no longer rewarded for hard work! 05:22: Top 1% of earners benefiting worldwide 06:25: Hard assets are the future & the way to get ahead 08:49: Embrace the game and change your legacy 09:31: Conclusion About The Host: Subscribe to Aus Property Mastery with PK for no BS, “straight to the point” property investing strategies and data-driven insights about the Australian housing market - the only property podcast not biased by a “Buyers Agent”. You can listen to Aus Property Mastery on Apple Podcasts, Spotify & YouTube Music. PK Gupta is the founder of the Property Investment Accelerator — Australia's #1 Rated And ONLY 100% Independent Real Estate Course & Mentorship Program that helps people achieve passive income through property investing using DATA, WITHOUT wasting months doing "research", spending weekends at inspections OR dropping $10-20k on Buyers Agents each time. Resources: Watch FREE Trainings On Our Website

Aus Property Mastery with PK
Average Salary Man Buys 3 Houses, Makes $300k In 1 Year

Aus Property Mastery with PK

Play Episode Listen Later Oct 5, 2025 28:23


Sabbir took 3 jobs to buy 3 properties and made $300k in 1 year, without needing to save a deposit each time! ❤️ He's one of the hardest working, dedicated and gracious people I've met, I'm humbled to call him a client of the Property Investment Accelerator. In this episode learn:

NCUSCR Interviews
China & The Hill: Pentagon Orders Expansion of U.S. Missile Stockpiles, China to Stop Seeking WTO Special Treatment, U.S. Expands Entity List to Subsidiaries

NCUSCR Interviews

Play Episode Listen Later Oct 1, 2025 5:21


China & the Hill is now on Substack!  China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast.

Aus Property Mastery with PK
First Home Buyers Grant VS Investment? 4 Mistakes!

Aus Property Mastery with PK

Play Episode Listen Later Sep 28, 2025 16:02


Getting on the property ladder is challenging, but First Home Owner Grants make it easier thanks to a range of first home buyer assistance measures. ⚠️ But are these a TRAP? ❌ In this episode we unpack FOUR PITFALLS where the free handouts end up doing more harm than good.

NCUSCR Interviews
China & The Hill: U.S. Lawmakers Visit Beijing, TikTok Deal Talks, and Taiwan Aid Delay

NCUSCR Interviews

Play Episode Listen Later Sep 24, 2025 7:38


China & the Hill is now on Substack!  China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast.

Aus Property Mastery with PK
How To Use Equity To Buy Multiple Houses

Aus Property Mastery with PK

Play Episode Listen Later Sep 21, 2025 48:48


CASE STUDY: How To Use EQUITY to Buy More Houses Hear how Sydney IT Professional, Vinay Ranganatha, is using equity, rather than savings, to buy multiple properties!

NCUSCR Interviews
China & The Hill: U.S.-Japan Missile Drills Raise in Concerns in Beijing, NASA Bars Chinese Nationals From Work, and A Collision in the South China Sea

NCUSCR Interviews

Play Episode Listen Later Sep 17, 2025 8:10


China & the Hill is now on Substack! → This week's edition China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast.

Tám Sài Gòn
Review phim: CÔ DÂU MA, EM XINH TINH QUÁI, QUỶ MÓC RUỘT, BEBEFINN PHIM ĐIỆN ẢNH,...

Tám Sài Gòn

Play Episode Listen Later Sep 16, 2025 11:15


Review các phim ra rạp từ ngày 05/09/25:CÔ DÂU MA – T16Đạo diễn: Lee ThongkhamDiễn viên: JJ Krissanapoom, Rima Thanh Vy, Công Dương, Jun Vũ và một số diễn viên khácThể loại: Kinh DịĐám cưới Việt – Thái hóa nghi thức rợn người và ám ảnh. Lấy cảm hứng từ vụ thảm sát tại một gia tộc bí ẩn ở Thái Lan, Cô Dâu Ma hé lộ những nghi thức và bí mật kinh hoàng đang đón chờ Yến khi lần đầu làm dâu trên đất Thái.EM XINH TINH QUÁI – T13Đạo diễn: LEE Sang GeunDiễn viên: Im Yoon-ah, Ahn Bo-hyun, Sung Dong-ilThể loại: Hài, Kinh Dị, Tình cảmCô ấy hóa quỷ khi trời rạng sáng! Gil-gu (Ahn Bo-hyun) – một chàng trai trẻ thất nghiệp, sống vật vờ trong căn hộ nhỏ sau khi từ bỏ công việc, bất ngờ bị cuốn hút bởi Sun-ji (Im Yoon-ah), cô hàng xóm xinh đẹp vừa chuyển đến tầng dưới. Một ánh nhìn, một nhịp tim lỡ, anh ngỡ đã tìm thấy tia sáng giữa cuộc sống tẻ nhạt. Nhưng rồi sáng hôm sau, trong thang máy, Gil-gu đối mặt với một Sun-ji hoàn toàn khác – ánh mắt dữ tợn, diện mạo kỳ quái, khiến anh bàng hoàng. Cô gái dịu dàng ban ngày dường như mang theo một mặt tối đáng sợ mỗi khi rạng sáng về. Lần theo những dấu hiệu lạ lùng, Gil-gu tìm đến cha của Sun-ji – ông Jang-su (Seong Dong-il) và phát hiện ra một bí mật kinh hoàng: Sun-ji là người bình thường vào ban ngày, nhưng khi trời sắp sáng… một con quỷ trong cô sẽ tỉnh giấc. Jang-su đề nghị Gil-gu một công việc nguy hiểm: trở thành người giám hộ cho Sun-ji mỗi khi bình minh cận kề. Tình yêu và nỗi sợ đan xen, liệu Gil-gu có thể vượt qua lời nguyền quỷ dữ trước khi mọi thứ vượt khỏi tầm kiểm soát?QUỶ MÓC RUỘT – T18Đạo diễn: Pongpat WachirabunjongDiễn viên: Woranuch BhiromBhakdi, Arachaporn Pokinpakorn, Thanavate SiriwattanagulThể loại: Kinh DịHơn chục năm về trước quỷ móc ruột ám vào Pon gây ra những tội ác ghê rợn, không thể nào quên được tại ngôi làng nhỏ vùng Đông Bắc. Tưởng như quá khứ đã ngủ yên thì những con vật được tìm thấy với phần nội tạng không còn nguyên vẹn, đáng sợ hơn đã xuất hiện những cái chết thất thường tại làng. Dân làng hoài nghi lẫn nhau không biết ai là người bị quỷ ám hay con quỷ rút ruột phong ấn trong người Pon đã trở lại.BEBEFINN PHIM ĐIỆN ẢNH: LẠC VÀO XỨ SỞ PINKFONG DIỆU KỲ - PĐạo diễn: Byeon Hee-sun, Sujeong Han, Sunyoung MoonDiễn viên: Bommie Han, Emerson Brooke Kim, Addyson TabankinThể loại: Hài, Hoạt Hình, Phiêu LưuNội dung “Bebefinn biến mất rồi!” Finn bất ngờ bị cuốn vào chiếc máy tính bảng vì tình cờ vẫy chiếc đũa sao của Pinkfong khi đang chơi Trốn Tìm Cùng Baby Shark — và lạc vào một thế giới âm nhạc diệu kỳ chưa từng thấy! Tại đây, Finn bắt đầu chuyến phiêu lưu cùng những giai điệu vui nhộn, sinh vật kỳ lạ và những màn vũ đạo khiến ai cũng muốn nhún nhảy. Trong khi đó, hai anh chị Bora và Brody hốt hoảng tìm cách giải cứu em. Với sự giúp sức của Pinkfong, cả nhóm bước vào một hành trình vừa hồi hộp, vừa đáng yêu, vừa tràn ngập sắc màu. Nhưng chiếc máy tính bảng sắp hết pin mất rồi… Liệu các bạn nhỏ có kịp trở về trước khi ba mẹ phát hiện? READY PLAYER ONE: ĐẤU TRƯỜNG ẢO (CHIẾU LẠI) – T13Đạo diễn: Steven SpielbergDiễn viên: Tye Sheridan, Olivia Cooke,...Thể loại: Hành Động, Phiêu LưuReady Player One xoay quanh cuộc phiêu lưu của Wade Watts. Phim lấy bối cảnh tại Columbus, Ohio năm 2045. Thế giới thực mà Wade đang sống là một nơi có sự phân hóa giàu nghèo rõ ràng. Chính vì vậy, hầu hết tất cả người dân sống tại đó, bao gồm cả Wade, đều hòa mình vào thế giới ảo mang tên OASIS. MAX ĐIÊN: CON ĐƯỜNG TỬ THẦN (CHIẾU LẠI) – T16Đạo diễn: George MillerDiễn viên: Tom Hardy, Charlize Theron, Nicholas HoultThể loại: Hành ĐộngLấy bối cảnh thế giới ở thời kỳ văn minh nhân loại đã sụp đổ, con người trở nên mất nhân tính và cuồng điên trong những trận chiến để giành giật sự sống, các nhu yếu phẩm như nước và xăng. Thế giới giờ là sa mạc mênh mông, con người chia làm hai phe chuyên giết nhau để tồn tại. -------------------------------------------------#8saigon #reviewphimrap #codauma #emxinhtinhquai #quymocruot #phimkinhdi

Aus Property Mastery with PK
Brisbane Market Update: 3 Top Suburbs

Aus Property Mastery with PK

Play Episode Listen Later Sep 14, 2025 13:34


Brisbane's housing market had a massive 2024, is this growth going to continue through 2025 & 2026? ⚖️ In this episode we uncover the supply vs demand dynamics of the Brisbane property market.

Aus Property Mastery with PK
Sydney IT Pro Rentvesting Her Way To Financial Freedom

Aus Property Mastery with PK

Play Episode Listen Later Aug 31, 2025 45:14


Charu Sharma, a Sydney IT professional, bought 4 property deals, and is manifesting her "dream home" & financial abundance for her daughter. I'm proud to say she's a client of the Property Investment Accelerator, and in this discussion we cover:

NCUSCR Interviews
China & the Hill: Beijing sends top trade envoy to Washington, China eyes yuan-backed crypto stablecoins

NCUSCR Interviews

Play Episode Listen Later Aug 26, 2025 6:41


China & the Hill is now on Substack! → https://ncuscr.substack.com China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast.  

Aus Property Mastery with PK
Perth: Second Wave, What You Need To Know

Aus Property Mastery with PK

Play Episode Listen Later Aug 24, 2025 46:52


Perth Property may be experiencing a SECOND WAVE! ❓ So where should you buy if you missed out on the last housing boom? In this episode highly experienced Perth Building & Pest Inspector Raymond Du Preez from Integricheck explains:

NCUSCR Interviews
China & the Hill: U.S. Chip Restrictions Bite as DeepSeek Delays New Model

NCUSCR Interviews

Play Episode Listen Later Aug 20, 2025 6:14


China & the Hill is now on Substack! → https://ncuscr.substack.com China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast. Read this week's edition.

Aus Property Mastery with PK
Housing Market Outlook: New Cycles

Aus Property Mastery with PK

Play Episode Listen Later Aug 17, 2025 58:51


What is the future of Australia's housing market? In this episode I join Redom Syed, Mortgage Broker, to dissect the Australian property market in 2025. Together, we navigate:

Aus Property Mastery with PK
Darwin Man Gets 4 OFF MARKET Deals in 6 Months

Aus Property Mastery with PK

Play Episode Listen Later Aug 10, 2025 38:41


Subith Dey, a Darwin based Chef turned Disability Support worker, bought four off-market deals in six months, all within 1-2 weeks of searching. I'm proud to say he's a client of the Property Investment Accelerator, and in this discussion we cover:

The CIRS Group Podcast
Feel your best while healing from chronic illness and CIRS: Our favorite adjunct therapies!

The CIRS Group Podcast

Play Episode Listen Later Aug 6, 2025 26:55


For more information and support, visit https://www.thecirsgroup.com/membership/ In this episode of The CIRS Group podcast, hosts Jacie and Barbara discuss various adjunct therapies they find beneficial to use alongside the Shoemaker Protocol. They dig into anti-inflammatory diets, the importance of electrolytes, supplements, the benefits of sunshine and grounding, and detox techniques like saunas and hot baths. They also highlight the importance of working with trauma-informed therapists, doing limbic retraining, and maintaining positive connections with friends, family, pets, and/or supportive online communities. For more information and support, visit us at https://www.thecirsgroup.com TIMESTAMPS 0:00 Introduction and Disclaimer 0:38 Adjusting diet to lower inflammation 5:58 Electrolytes 8:13 Checking vitamin levels and supplementing 10:27 Sunshine, fresh air, and grounding 13:05 Support your detoxing pathways 13:54 Therapy and recovering from trauma 20:24 Limbic Retraining, Gratitude journaling 22:38 The importance of connection 24:40 Community Resources HELPFUL LINKS: Redmond's Relyte: https://redmond.life/pages/re-lyte LMNT's recipe at home: https://science.drinklmnt.com/electrolytes/best-homemade-electrolyte-drink-for-dehydration CIRS knowledgeable therapists: Brenda Stewart, LMHC, NCC, CTH with Untamed Iona: https://www.untamediona.com/therapy Mindy Mastruserio at Healing Connection Counseling: https://healingconnectioncounseling.org/ Our episode on trauma and CIRS: https://youtu.be/i6QD0eQqELw?si=RmhC7Ocm3AhGmfaH Gratitude app: https://apps.apple.com/us/app/morning-gratitude-journal/id1455594587 CIRS Communities: The CIRS Group! https://www.thecirsgroup.com/membership/ Jenny Johnson's group: https://simplifiedwellnessdesigns.com/cirs-healing-collective Christian Navarro-Torres' group: https://www.cirslab.com/ Meditation Community: https://thepracticeportal.circle.so/c/practice-portal-home/cirs-only-package Breathwork Community: https://mokshaembodied.com/ Order Jacie's book! The 30 Day Carnivore Bootcamp: https://a.co/d/7MgHrRs The CIRS Group: Support Community: https://thecirsgroup.com Instagram: https://www.instagram.com/thecirsgroup/ Find Jacie for carnivore, lifestyle and limbic resources: Jacie's book on the Carnivore diet!  https://a.co/d/8ZKCqz0 Instagram: https://www.instagram.com/ladycarnivory YouTube: https://www.youtube.com/@LadyCarnivory Blog: https://www.ladycarnivory.com/ Find Barbara for business/finance tips and coaching: Website: https://www.actlikebarbara.com/ Instagram: https://www.instagram.com/actlikebarbara/ YouTube: https://www.youtube.com/@actlikebarbara Jacie is a Shoemaker certified Proficiency Partner, NASM certified nutrition coach, author, and carnivore recipe developer determined to share the life changing information of carnivore and CIRS to anyone who will listen. Barbara is a business and fitness coach, CIRS and ADHD advocate, writer, speaker, and a big fan of health and freedom. Together, they co-founded The CIRS Group, an online support community to help people that are struggling with their CIRS diagnosis and treatment.

NCUSCR Interviews
China & the Hill: Can the H20 Chip Save China's AI Sector? And the Painful Decisions Facing Chinese Migrants

NCUSCR Interviews

Play Episode Listen Later Aug 6, 2025 9:27


China & the Hill is now on Substack! → https://ncuscr.substack.com China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast. Read this week's edition.

VietChristian Podcast
Có Thực Sự Bén Rễ (Bob Coy)

VietChristian Podcast

Play Episode Listen Later Jul 23, 2025


Tựa Đề: Có Thực Sự Bén Rễ; Tác Giả: Bob Coy; Loạt Bài: Gây Dựng Niềm Tin

Commanding The Huddle
New Uni's & 2025 Commanders Superlatives

Commanding The Huddle

Play Episode Listen Later Jul 9, 2025 32:50


In this episode of CTH, Ryan talks the new uni's and also has some fun with some burgundy and gold superlatives for the upcoming campaign.

Tám Sài Gòn
Review phim ĐIỀU ƯỚC CUỐI CÙNG, THẾ GIỚI KHỦNG LONG: TÁI SINH, MỘT NỬA HOÀN HẢO, QUAN TÀI VỢ QUỶ, và TỔ ĐỘI GẤU NHÍ: DU HÍ 4 PHƯƠNG

Tám Sài Gòn

Play Episode Listen Later Jul 7, 2025 23:17


Review các phim ra rạp từ ngày 04/07/2025 ĐIỀU ƯỚC CUỐI CÙNG – T16Đạo diễn: Đoàn Sĩ NguyênDiễn viên: Avin Lu, Lý Hạo Mạnh Quỳnh, Hoàng Hà, Tiến Luật, Đinh Y Nhung, Quốc Cường, Kiều Anh, Katleen Phan Võ, Hoàng Minh Triết và cùng một số diễn viên khácThể loại: Gia đình, HàiBiết mình không còn sống được bao lâu vì căn bệnh ALS, Hoàng tâm sự với hai người bạn thân – Thy và Long – về tâm nguyện cuối cùng: được “mất zin” trước khi chết. Hành trình giúp Hoàng thực hiện điều ước ấy đưa họ qua những tình huống dở khóc dở cười, đồng thời thử thách tình bạn, tình thân và ý nghĩa của tình yêu thương vô điều kiện.THẾ GIỚI KHỦNG LONG: TÁI SINH – T13Đạo diễn: Gareth EdwardsDiễn viên: Scarlett Johansson, Mahershala Ali, Jonathan Bailey,….Thể loại: Hành Động, Phiêu Lưu, Thần thoạiThế Giới Khủng Long: Tái Sinh lấy bối cảnh 5 năm sau phần phim Thế Giới Khủng Long: Lãnh Địa, môi trường Trái đất đã chứng tỏ phần lớn là không phù hợp với khủng long. Nhiều loài thằn lằn tiền sử được tái sinh đã chết. Những con chưa chết đã rút lui đến một vùng nhiệt đới hẻo lánh gần phòng thí nghiệm. Địa điểm đó chính là nơi bộ ba Scarlett Johansson, Mahershala Ali và Jonathan Bailey dấn thân vào một nhiệm vụ cực kỳ hiểm nguy.MỘT NỬA HOÀN HẢO – T16Đạo diễn: Celine SongDiễn viên: Dakota Johnson, Chris Evans, Pedro PascalThể loại: Hài, Tâm Lý, Tình cảmLucy (Dakota Johnson), một cô gái xinh đẹp làm công việc mai mối ở New York. “Mát tay” trong chuyện mai mối giúp người khác, nhưng trớ trêu Lucy lại “lạc lối” trong câu chuyện tình cảm của chính mình. Bất ngờ đối mặt với ngã rẽ tình cảm khi gặp lại người yêu cũ "không hoàn hảo" (Chris Evans) và một người đàn ông "hoàn hảo" (Pedro Pascal). Cô nàng bị đẩy vào tình thế khó xử. Đứng giữa những lựa chọn cảm xúc đầy mâu thuẫn, lúc này đây, Lucy mới nhận ra việc tìm kiếm tình yêu đích thực chưa bao giờ là điều dễ dàngQUAN TÀI VỢ QUỶ - T18Đạo diễn: Vathanyu IngkawiwatDiễn viên: Woranuch BhiromBhakdi, Arachaporn Pokinpakorn, Thanavate SiriwattanagulThể loại: Kinh DịSau khi Lunthom chết, người chồng và cô tình nhân những tưởng sẽ được hưởng khối gia sản kếch sù. Tuy nhiên người vợ quá cố đã để lại một điều kiện lạnh sống lưng. Đôi tình nhân sẽ chỉ nhận được gia tài khi sống chung 100 ngày với chiếc quan tài kính chứa thi thể Lunthom đặt giữa nhà. Nỗi phẫn uất của người bị phản bội đã biến Lunthom thành quỷ dữ và quay về gieo rắc kinh hoàng.TỔ ĐỘI GẤU NHÍ: DU HÍ 4 PHƯƠNGĐạo diễn: Vasiliy RovenskiyThể loại: Gia đình, Hài, Hoạt Hình, Phiêu LưuVì một sai lầm đáng trách của shipper Cò, gấu Mic Mic tiếp tục phải lên đường tham gia vào một cuộc phiêu lưu bất đắc dĩ và không kém phần ly kỳ để tìm lại bé con của anh. Nhóm bạn lầy lội của Mic-Mic phải lao vào cuộc đua đổi trả em bé qua các châu lục, đối mặt với kangaroo nhảy nhót ở châu Đại Dương, hươu cao cổ kiêu kỳ ở savan châu Phi, dê núi tinh nghịch trên dãy Alps châu Âu, và thậm chí là một chú rồng phun lửa huyền thoại ở Trung Quốc cổ kính! Giữa những màn rượt đuổi nghẹt thở và tiếng cười nghiêng ngả, Mic-Mic phát hiện gấu con thật bị bắt cóc bởi con trăn gian xảo cùng hai kền kền lắm drama, buộc cả đội hợp sức với những người bạn khác để giải cứu. Liệu rằng Mic Mic sẽ bất lực trước hiện thực hay sẽ vùng lên để tìm kiếm hạnh phúc trọn vẹn cho cả gia đình?

Grating the Nutmeg
212. Ingredients for Revolution: Feminist Restaurants featuring Bloodroot Restaurant

Grating the Nutmeg

Play Episode Listen Later Jul 1, 2025 42:06


  Connecticut Explored and our podcast, Grating the Nutmeg, have featured many of the heritage trails that mark the important histories and sites of Connecticut's people. Preservation Connecticut has undertaken a survey of LGBTQ+ heritage sites across the state. Now, Grating the Nutmeg and Preservation Connecticut have teamed up to bring you a three-episode podcast series that pairs new research on LGBTQ+ identity and activism with accounts of the Connecticut places where history was made. The episodes include a thriving vegetarian cafe-bookstore run by lesbian feminists in a working-class former factory town, a transgender medical researcher working on an urgent public health issue in the center of Connecticut politics, and a gay, Jewish, best-selling children's book author in affluent Fairfield County.   In this episode, Dr. Alex Ketchum, author of Ingredients for Revolution: A History of American Feminist Restaurants, Cafes, and Coffeehouses, published by Concordia University Press in 2022, reveals the history of women-owned restaurants in the 1970s and 1980s that had a feminist mission. In a first-ever overview of feminist cafe subculture, Ketchum's book details the role eateries played in social justice movements, including women's and LGBTQ+ liberation, and food justice. And we will highlight Bloodroot, the almost 50-year-old lesbian-feminist bookstore, collective, and vegetarian restaurant in Bridgeport.   Dr. Ketchum is Assistant Professor at McGill University's Institute for Gender, Sexuality, Feminist Studies, and the Director of the Just Feminist Tech and Scholarship Lab, co-editor of Queers at the Table: An Illustrated Guide to Queer Food (Arsenal Pulp Press, 2022), and creator of The Feminist Restaurant Project: thefeministrestaurantproject.com Follow Dr. Ketchum on her social media pages- bluesky: https://bsky.app/profile/aketchum22.bsky.social   @aketchum22.bsky.social instagram:  https://www.instagram.com/dr.alexketchum/ @dr.alexketchum   To find out more information on Bloodroot Restaurant, check out these sources: Restaurant Website https://www.bloodroot.com/ Public Broadcasting Interview with the founders https://www.youtube.com/watch?v=qtxLyIqYhxQ Documentary Trailer “A Culinary Uprising: The Story of Bloodroot” https://www.youtube.com/watch?v=nh2K7RAeBf4   This episode of Grating the Nutmeg was supported by Preservation Connecticut, preserving the state's heritage for 50 years and a Quick Grant from CT Humanities. CTH connects people to the humanities through grants, programs, and collaboration with other organizations. CTH is supported by state and federal matching funds, community foundations, and gifts from private sources.   Connecticut Landmarks LGBTQ+ Archives The archival collections of East Haddam's Palmer-Warner House include the diaries and letters of previous residents Frederic Palmer and his partner Howard Metzger. On view during the museum's open hours through August 23,2025, “Letters of Unity” explores the evolution of LGBTQ+ communication over more than a century through the stories of Frederic, Howard, and other members of LGBTQ+ communities. From love letters to social media and personal diaries to protest flyers, this display showcases how love, resistance, and solidarity have been expressed through various mediums. Purchase tickets at https://ctlandmarks.org/properties/palmer-warner-house/   The Palmer-Warner House will host a thought-provoking free community panel discussion on queer independence on Saturday, July 12 from 1 pm-4 pm. This panel will offer the opportunity to connect with diverse voices from across generations as they reflect on past, present, and future LGBTQ+ resilience, self-determination, and community support. Don't miss this opportunity to connect, learn, and celebrate the strength of queer identities. Register at https://114536.blackbaudhosting.com/114536/Queer-Independence-Discussion-Panel   ---------------------------------------------------- Like Grating the Nutmeg? Want to support it? Make a donation! 100% of the funds from your donation go directly to the production and promotion of the show. Go to ctexplored.org to send your donation now.   This episode of Grating the Nutmeg was produced by Mary Donohue and engineered by Patrick O'Sullivan at https://www.highwattagemedia.com/   Follow GTN on our socials:  Facebook,Instagram, Threads, and BlueSky.   Follow executive producer Mary Donohue on Facebook and Instagram at West Hartford Town Historian. Join us in two weeks for our next episode of Grating the Nutmeg, the podcast of Connecticut history. Thank you for listening!  

NCUSCR Interviews
China & the Hill: Beijing Hacks Moscow, Courts Tehran, and Flies By Taiwan

NCUSCR Interviews

Play Episode Listen Later Jun 25, 2025 8:29


China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast. Read this week's edition. China & the Hill is published by the National Committee on U.S.-China Relations, the leading nonprofit nonpartisan organization that encourages understanding of China and the United States among citizens of both countries.      

NCUSCR Interviews
China & the Hill: Revoking Chinese Student Visas, "Trade not Aid" Diplomacy in Africa, and is Wechat Complicit in the Fentanyl Crisis?

NCUSCR Interviews

Play Episode Listen Later Jun 3, 2025 7:39


China & the Hill is a weekly newsletter covering Washington DC's China-focused debates, actions, and reactions. Readers will receive a curated digest of each week's most pressing U.S.-China news and its impact on businesses and policy, and can listen to the top stories in podcast form on the U.S.-China Podcast. China & the Hill is published by the National Committee on U.S.-China Relations, the leading nonprofit nonpartisan organization that encourages understanding of China and the United States among citizens of both countries. Read this week's edition of C&TH: https://mailchi.mp/ncuscr/china-and-the-hill-6-3-25 

Thoughts on the Market
Munis: Tax-Free Income in Times of Stress

Thoughts on the Market

Play Episode Listen Later May 5, 2025 9:27


Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Market values can change daily due to economic and other events (e.g., natural disasters, health crises, terrorism, conflicts, and social unrest) that affect markets, countries, companies or governments. It is difficult to predict the timing, duration, and potential adverse effects (e.g., portfolio liquidity) of events. Accordingly, you can lose money investing in a portfolio. Fixed-income securities are subject to the ability of an issuer to make timely principal and interest payments (credit risk), changes in interest rates (interest rate risk), the creditworthiness of the issuer and general market liquidity (market risk). In a rising interest-rate environment, bond prices may fall and may result in periods of volatility and increased portfolio redemptions. In a declining interest-rate environment, the portfolio may generate less income. Longer-term securities may be more sensitive to interest rate changes. An imbalance in supply and demand in the municipal market may result in valuation uncertainties and greater volatility, less liquidity, widening credit spreads and a lack of price transparency in the market. There generally is limited public information about municipal issuers. Income from tax-exempt municipal obligations could be declared taxable because of changes in tax laws, adverse interpretations by the relevant taxing authority or the non-compliant conduct of the issuer of an obligation and may subject to the federal alternative minimum tax.There is no guarantee that any investment strategy will work under all market conditions, and each investor should evaluate their ability to invest for the long-term, especially during periods of downturn in the market.A separately managed account may not be appropriate for all investors. Separate accounts managed according to the particular strategy may include securities that may not necessarily track the performance of a particular index. Please consider the investment objectives, risks and fees of the Strategy carefully before investing. A minimum asset level is required. For important information about the investment managers, please refer to Form ADV Part 2.The views and opinions and/or analysis expressed are those of the author or the investment team as of the date of preparation of this material and are subject to change at any time without notice due to market or economic conditions and may not necessarily come to pass.This material has been prepared on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. However, no assurances are provided regarding the reliability of such information and the Firm has not sought to independently verify information taken from public and third-party sources.This material is a general communication, which is not impartial and all information provided has been prepared solely for informational and educational purposes and does not constitute an offer or a recommendation to buy or sell any particular security or to adopt any specific investment strategy. The information herein has not been based on a consideration of any individual investor circumstances and is not investment advice, nor should it be construed in any way as tax, accounting, legal or regulatory advice. To that end, investors should seek independent legal and financial advice, including advice as to tax consequences, before making any investment decision.The Firm has not authorised financial intermediaries to use and to distribute this material, unless such use and distribution is made in accordance with applicable law and regulation. Additionally, financial intermediaries are required to satisfy themselves that the information in this material is appropriate for any person to whom they provide this material in view of that person's circumstances and purpose. The Firm shall not be liable for, and accepts no liability for, the use or misuse of this material by any such financial intermediary.This material may be translated into other languages. Where such a translation is made this English version remains definitive. If there are any discrepancies between the English version and any version of this material in another language, the English version shall prevail.The whole or any part of this material may not be directly or indirectly reproduced, copied, modified, used to create a derivative work, performed, displayed, published, posted, licensed, framed, distributed or transmitted or any of its contents disclosed to third parties without the Firm's express written consent. This material may not be linked to unless such hyperlink is for personal and non-commercial use. All information contained herein is proprietary and is protected under copyright and other applicable law.Eaton Vance is part of Morgan Stanley Investment Management. Morgan Stanley Investment Management is the asset management division of Morgan Stanley.DISTRIBUTIONThis material is only intended for and will only be distributed to persons resident in jurisdictions where such distribution or availability would not be contrary to local laws or regulations.MSIM, the asset management division of Morgan Stanley (NYSE: MS), and its affiliates have arrangements in place to market each other's products and services. Each MSIM affiliate is regulated as appropriate in the jurisdiction it operates. MSIM's affiliates are: Eaton Vance Management (International) Limited, Eaton Vance Advisers International Ltd, Calvert Research and Management, Eaton Vance Management, Parametric Portfolio Associates LLC and Atlanta Capital Management LLC.This material has been issued by any one or more of the following entities:EMEA:This material is for Professional Clients/Accredited Investors only.In the EU, MSIM and Eaton Vance materials are issued by MSIM Fund Management (Ireland) Limited (“FMIL”). FMIL is regulated by the Central Bank of Ireland and is incorporated in Ireland as a private company limited by shares with company registration number 616661 and has its registered address at 24-26 City Quay, Dublin 2, D02 NY 19, Ireland. Outside the EU, MSIM materials are issued by Morgan Stanley Investment Management Limited (MSIM Ltd) is authorised and regulated by the Financial Conduct Authority. Registered in England. Registered No. 1981121. Registered Office: 25 Cabot Square, Canary Wharf, London E14 4QA.In Switzerland, MSIM materials are issued by Morgan Stanley & Co. International plc, London (Zurich Branch) Authorised and regulated by the Eidgenössische Finanzmarktaufsicht ("FINMA"). Registered Office: Beethovenstrasse 33, 8002 Zurich, Switzerland.Outside the US and EU, Eaton Vance materials are issued by Eaton Vance Management (International) Limited (“EVMI”) 125 Old Broad Street, London, EC2N 1AR, UK, which is authorised and regulated in the United Kingdom by the Financial Conduct Authority.Italy: MSIM FMIL (Milan Branch), (Sede Secondaria di Milano) Palazzo Serbelloni Corso Venezia, 16 20121 Milano, Italy. The Netherlands: MSIM FMIL (Amsterdam Branch), Rembrandt Tower, 11th Floor Amstelplein 1 1096HA, Netherlands. France: MSIM FMIL (Paris Branch), 61 rue de Monceau 75008 Paris, France. Spain: MSIM FMIL (Madrid Branch), Calle Serrano 55, 28006, Madrid, Spain. Germany: Germany: MSIM FMIL (Frankfurt Branch), Grosse Gallusstrasse 18, 60312 Frankfurt am Main, Germany (Gattung: Zweigniederlassung (FDI) gem. § 53b KWG). Denmark: MSIM FMIL (Copenhagen Branch), Gorrissen Federspiel, Axel Towers, Axeltorv2, 1609 Copenhagen V, Denmark.MIDDLE EASTDubai: MSIM Ltd (Representative Office, Unit Precinct 3-7th Floor-Unit 701 and 702, Level 7, Gate Precinct Building 3, Dubai International Financial Centre, Dubai, 506501, United Arab Emirates. Telephone: +97 (0)14 709 7158). This document is distributed in the Dubai International Financial Centre by Morgan Stanley Investment Management Limited (Representative Office), an entity regulated by the Dubai Financial Services Authority (“DFSA”). It is intended for use by professional clients and market counterparties only. This document is not intended for distribution to retail clients, and retail clients should not act upon the information contained in this document.This document relates to a financial product which is not subject to any form of regulation or approval by the DFSA. The DFSA has no responsibility for reviewing or verifying any documents in connection with this financial product. Accordingly, the DFSA has not approved this document or any other associated documents nor taken any steps to verify the information set out in this document, and has no responsibility for it. The financial product to which this document relates may be illiquid and/or subject to restrictions on its resale or transfer. Prospective purchasers should conduct their own due diligence on the financial product. If you do not understand the contents of this document, you should consult an authorised financial adviser.USNOT FDIC INSURED | OFFER NO BANK GUARANTEE | MAY LOSE VALUE | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT A DEPOSITLatin America (Brazil, Chile Colombia, Mexico, Peru, and Uruguay)This material is for use with an institutional investor or a qualified investor only. All information contained herein is confidential and is for the exclusive use and review of the intended addressee, and may not be passed on to any third party. This material is provided for informational purposes only and does not constitute a public offering, solicitation or recommendation to buy or sell for any product, service, security and/or strategy. A decision to invest should only be made after reading the strategy documentation and conducting in-depth and independent due diligence.ASIA PACIFICHong Kong: This material is disseminated by Morgan Stanley Asia Limited for use in Hong Kong and shall only be made available to “professional investors” as defined under the Securities and Futures Ordinance of Hong Kong (Cap 571). The contents of this material have not been reviewed nor approved by any regulatory authority including the Securities and Futures Commission in Hong Kong. Accordingly, save where an exemption is available under the relevant law, this material shall not be issued, circulated, distributed, directed at, or made available to, the public in Hong Kong. Singapore: This material is disseminated by Morgan Stanley Investment Management Company and may not be circulated or distributed, whether directly or indirectly, to persons in Singapore other than to (i) an accredited investor (ii) an expert investor or (iii) an institutional investor as defined in Section 4A of the Securities and Futures Act, Chapter 289 of Singapore (“SFA”); or (iv) otherwise pursuant to, and in accordance with the conditions of, any other applicable provision of the SFA. This publication has not been reviewed by the Monetary Authority of Singapore. Australia: This material is provided by Morgan Stanley Investment Management (Australia) Pty Ltd ABN 22122040037, AFSL No. 314182 and its affiliates and does not constitute an offer of interests. Morgan Stanley Investment Management (Australia) Pty Limited arranges for MSIM affiliates to provide financial services to Australian wholesale clients. Interests will only be offered in circumstances under which no disclosure is required under the Corporations Act 2001 (Cth) (the “Corporations Act”). Any offer of interests will not purport to be an offer of interests in circumstances under which disclosure is required under the Corporations Act and will only be made to persons who qualify as a “wholesale client” (as defined in the Corporations Act). This material will not be lodged with the Australian Securities and Investments Commission.Japan:For professional investors, this document is circulated or distributed for informational purposes only. For those who are not professional investors, this document is provided in relation to Morgan Stanley Investment Management (Japan) Co., Ltd. (“MSIMJ”)'s business with respect to discretionary investment management agreements (“IMA”) and investment advisory agreements (“IAA”). This is not for the purpose of a recommendation or solicitation of transactions or offers any particular financial instruments. Under an IMA, with respect to management of assets of a client, the client prescribes basic management policies in advance and commissions MSIMJ to make all investment decisions based on an analysis of the value, etc. of the securities, and MSIMJ accepts such commission. The client shall delegate to MSIMJ the authorities necessary for making investment. MSIMJ exercises the delegated authorities based on investment decisions of MSIMJ, and the client shall not make individual instructions. All investment profits and losses belong to the clients; principal is not guaranteed. Please consider the investment objectives and nature of risks before investing. As an investment advisory fee for an IAA or an IMA, the amount of assets subject to the contract multiplied by a certain rate (the upper limit is 2.20% per annum (including tax)) shall be incurred in proportion to the contract period. For some strategies, a contingency fee may be incurred in addition to the fee mentioned above. Indirect charges also may be incurred, such as brokerage commissions for incorporated securities. Since these charges and expenses are different depending on a contract and other factors, MSIMJ cannot present the rates, upper limits, etc. in advance. All clients should read the Documents Provided Prior to the Conclusion of a Contract carefully before executing an agreement. This document is disseminated in Japan by MSIMJ, Registered No. 410 (Director of Kanto Local Finance Bureau (Financial Instruments Firms)), Membership: The Japan Securities Dealers Association, the Investment Trusts Association, Japan, the Japan Investment Advisers Association and the Type II Financial Instruments Firms Association.© 2025 Morgan Stanley. All rights reserved. 4459984 Exp. 19/02/2026