Podcasts about defaulting

(04:07) Brought to you by Swimm.io.⁠⁠⁠⁠⁠⁠Start modernizing your mainframe faster with ⁠Swimm⁠.Understand the what, why, and how of your mainframe code.Use AI to uncover critical code insights for seamless migration, refactoring, or system replacement.Are too many meetings killing your productivity and making your team less effective?Discover a new approach to work where meetings are no longer the default and deep work takes the center stage.In this episode, Sumeet Moghe, the author of the “Async-First Playbook”, shares actionable insights on building high-performing teams through async-first approach.Key topics discussed:The real reasons behind the return-to-office trend, and why remote and async work are far from deadHow async-first companies like GitLab, Shopify, and Automattic operate, and why it's not an all-or-nothing approachSurprising survey findings: Why most people want to work remotely, and how meetings and interruptions are damaging productivityThe async-first mindset: Making meetings the last resort, prioritizing written communication, and defining reasonable response lagsThe ConveRel Quadrants: A framework for deciding when to meet based on relationship strength and meeting purposeInclusion as a first-class responsibility: How async work empowers introverts, non-native speakers, parents, and diverse team membersThe “default to action” principle: How teams can move faster by embracing reversible decisions and reducing bottlenecksAsync-first leadership: Building trust, modeling the right behaviors, and creating systems that replace performative busynessPractical tips for better business writing and reading, plus how AI tools can supercharge your communicationThe future of work: Why top talent will continue to demand autonomy, and how AI and fractional work are shaping new collaboration modelsTune in to discover how to build high-performing, effective and inclusive teams with fewer meetings by adopting async-first.  Timestamps:(02:19) Career Turning Points(06:21) The Return to Office Trend(11:36) Companies Embracing Async-First(13:20) People's Working Style Preference(17:37) What is Async-First?(21:39) Team Handbook and Ways of Working(23:24) The ConveRel Quadrants(27:41) Inclusion as a First-Class Responsibility(32:14) Defaulting to Action(35:50) Async-First Leadership(40:38) Being Good in Written Communication(44:35) AI Usage in Written Communication(46:17) Time to Read and Reading Comprehension(51:14) The Future of Work(58:33) 3 Tech Lead Wisdom_____Sumeet Moghe's BioSumeet Gayathri Moghe is an Agile enthusiast, product manager, and design nerd at Thoughtworks. Sumeet has recently authored The Async-First Playbook. His practical recommendations for effective collaboration within remote and distributed teams stand for what he's learned from his colleagues, their successes, and their occasional misadventures.Sumeet kicked off “The async-first manifesto” , a set of principles he is co-creating with volunteer enthusiasts from around the world. He is also bringing async-work to life with stories of “Humans of remote work” .Follow Sumeet:LinkedIn – linkedin.com/in/sumeetmogheWebsite – asyncagile.org

Have you ever felt completely stuck—so overwhelmed that you shut down, procrastinate, or spiral into self-doubt? In this episode, I break down how your emotional response system can sabotage your progress and why your brain automatically jumps to fear, panic, or avoidance when faced with uncertainty.______________________Jude Daunt is a world-renowned Mindset Coach, the Founder of Unbreakable Mindset Method® and over the years has coached thousands of people including High Profile and celebrity clients all over the worldIf you want to become a certified Life coach trained in the Unbreakable Mindset Methodology click here for more information and to book a call to discuss your application https://unbreakablemindsetacademy.co.uk/Month to manifest is now available for you to start your very own manifestation journey. This manifestation course will teach you everything you need to be able to manifest your dream life, in 4 weeks you'll be able to manifest with ease. Find out more information here https://www.judedauntcoaching.co.uk/month-to-manifest/If you want to go deeper and do the powerful mindset work, the Unbreakable Mindset Method® teaches you how to gain control of your thoughts, internal reprogramming, overcome your childhood blueprint, regain your self-worth, overcome your anxiety triggers, manifestation, self-awareness, the ability to think bigger than your current reality but most of all, to be happy. This is Judes signature 1-1 programme where you will work together for around 5 months to transform your mindset and your current reality. https://www.judedauntcoaching.co.uk/personal-coaching/ Hosted on Acast. See acast.com/privacy for more information.

Many restaurant operators are unknowingly signing their businesses away with predatory merchant cash advances (MCAs). These high-cost financing options promise fast money but come with crippling repayment terms that can put restaurants out of business. In this episode, we break down: What MCAs really are and why they're dangerous How POS companies and third-party apps market these loans The long-term financial risks of taking an MCA What better financing options exist for restaurant operators If you're considering quick funding, listen to this episode first—you might save your business.   Show Notes In this episode, we uncover the hidden risks of merchant cash advances (MCAs)—a form of financing that is marketed as fast and easy but often leads to financial ruin for restaurants. Unlike traditional loans, these cash advances are structured as purchases of future credit card receivables, making them expensive, aggressive, and difficult to escape. Many struggling restaurants turn to MCAs in times of financial distress, only to find themselves buried under exorbitant repayment terms that accelerate their path to closure. We break down why these loans are dangerous, how they differ from traditional financing, and what you should do instead. Key Takeaways What Are Merchant Cash Advances (MCAs)? MCAs aren't loans—they're structured as purchases of future credit card receivables. Funds are repaid daily, based on a percentage of your sales, often leading to crippling cash flow problems. Effective interest rates can be well over 100%, making it nearly impossible to get ahead. How Restaurants Get Trapped in MCAs MCAs target struggling restaurants with promises of fast, no-hassle funding. POS systems and third-party platforms (like DoorDash) market these loans directly to operators. The focus is on how quickly you can get the money, not on the devastating repayment structure. The Long-Term Impact of Taking an MCA Payments are automatically deducted, reducing your ability to cover operating expenses. Defaulting can trigger harsh legal and financial consequences, including personal liability. Many operators end up in a cycle of taking multiple MCAs just to stay afloat, leading to business failure. Why 2024 Is a Critical Year for Restaurants Rising costs, labor shortages, and consumer uncertainty have made it the toughest year for restaurants since early 2020. Many operators desperately seek financing, making them more vulnerable to predatory lenders. Instead of relying on expensive, short-term cash, restaurants must focus on financial planning and sustainable growth.

This is the extended version of The Kingsnorth Infinite Response Loop is Powered by the Christ Crucified's Call https://youtu.be/ZkJIXZSkLdc Paul Kingsnorth The Vagabond King https://paulkingsnorth.substack.com/p/the-vagabond-king  Bethel McGrew response https://www.patheos.com/blogs/youngfogey/2025/02/paul-kingsnorths-erasmus-lecture-revisited/    TLC engages the Emerging Church movement. https://youtube.com/live/sJMz0RqUinY?feature=share My conversation with Wokal Distance Michael Young  @JordanBPeterson  Lecture and Q&A with Jordan Peterson (The Mill Series at Lafayette College) https://youtu.be/V32WHDuy-Do?si=QlgO7tPJ546Mk98S    Paul Vander Klay clips channel https://www.youtube.com/channel/UCX0jIcadtoxELSwehCh5QTg Bridges of Meaning Discord https://discord.gg/KEPbZT28 https://www.meetup.com/sacramento-estuary/ My Substack https://paulvanderklay.substack.com/ Estuary Hub Link https://www.estuaryhub.com/ If you want to schedule a one-on-one conversation check here. https://calendly.com/paulvanderklay/one2one There is a video version of this podcast on YouTube at http://www.youtube.com/paulvanderklay To listen to this on ITunes https://itunes.apple.com/us/podcast/paul-vanderklays-podcast/id1394314333  If you need the RSS feed for your podcast player https://paulvanderklay.podbean.com/feed/  All Amazon links here are part of the Amazon Affiliate Program. Amazon pays me a small commission at no additional cost to you if you buy through one of the product links here. This is is one (free to you) way to support my videos.  https://paypal.me/paulvanderklay Blockchain backup on Lbry https://odysee.com/@paulvanderklay https://www.patreon.com/paulvanderklay Paul's Church Content at Living Stones Channel https://www.youtube.com/channel/UCh7bdktIALZ9Nq41oVCvW-A To support Paul's work by supporting his church give here. https://tithe.ly/give?c=2160640 https://www.livingstonescrc.com/give

Donald Trump's tariffs could destabilize the global economy, warns economist Michael Hudson. US protectionist policies could cause financial crises, as many currencies depreciate and countries can't earn the dollars needed to pay their foreign debts. Ben Norton hosts the interview. VIDEO: https://www.youtube.com/watch?v=FFyWatftnIM Transcript: https://geopoliticaleconomy.com/2025/02/04/trump-tariffs-global-crisis-economist-michael-hudson/ Here you can read Michael Hudson's article on how Trump's tariffs threaten the global economy: https://geopoliticaleconomy.com/2025/01/25/michael-hudson-trump-tariffs-global-economy/ Topics 0:00 Trump's tariff threats 3:10 Highlights of Michael Hudson 5:47 How to pay foreign debt 10:55 Austerity 14:48 Protectionism 17:19 US threats 21:11 Mexico 22:47 Defaulting on debt 25:46 Economic colonialism 28:18 Colombia 29:50 Greenland 30:23 Economic war 31:02 China's win-win approach 32:24 Trump's contradictions 35:20 US dollar & re-industrialization 37:06 Finance capitalism 41:00 Dollar exchange rate & inflation 44:34 Trump proposal at WEF/Davos 45:20 Investing in USA 47:18 US imperialism 49:17 Outro

Bongani Bingwa speaks to Astrid Ludin the deputy commissioner at financial sector conduct authority (FSCA) to give clarification on the companies that are defaulting on the payment contributions of their employees. See omnystudio.com/listener for privacy information.

The Left continues to seethe over Donald Trump Cabinet picks. Is the GOP win in the House in jeopardy? Update on Alex Jones and his fight to save Infowars. Update on P'Nut the squirrel and Fred the raccoon. Mike Tyson vs. Jake Paul tonight. Mike Tyson discusses his "legacy" ahead of his fight with Jake Paul. Ron Paul involved in slashing government spending? DOGE: Vivek Ramaswamy lays out a plan to cut the size of the federal government by 75%. The Kamala Harris campaign is still trying to pay off its $20 million in campaign debt. Sunny Hostin feeling guilty for her question of Kamala Harris? 00:00 Pat Gray UNLEASHED 00:21 It's Friday! 06:12 Democrats in Bucks County Commissioners Ignore Court 08:33 RFK Jr. gets Nominated 10:50 Gaetz Sends Resignation Letter 11:50 Kevin McCarthy Doesn't Agree with Trump 14:19 Mark Halperin Explains Nomination Process for Trump 21:21 Alex Jones Update on Infowars 27:32 Alex Jones Talks about ‘Defaulting' 30:48 Let's Talk Weirdos from Biden 33:44 Fat Five 48:32 Mike Tyson & Jake Paul Fight 50:55 Jake Paul Slapped by Mike Tyson 52:24 YouTube & Amazon Ads 56:30 Mike Tyson on his “Legacy” 58:48 Jake Paul's Weird Response 1:03:26 Jerry Jones Ford Commercial 1:07:04 UFC Fight 1:07:16 Football Talk 1:09:01 Sen. Warren Reacts to Matt Gaetz for AG 1:11:18 John Cornyn Reacts to Matt Gaetz Investigation 1:12:15 Fun Sports Fact on the Godless Animals 1:15:15 Trey Gowdy is Against Matt Gaetz 1:16:17 John Bolton Reacts to Gabbard & Gaetz 1:18:00 Thomas Massie Likes Matt Gaetz 1:19:50 Ron Paul Talks Cutting Down Government 1:21:04 Vivek's Plan for Reducing Government Size 1:25:41 Kamala's Campaign Still Asking for Money 1:28:53 Joe Biden in South America with Xi Jinping Learn more about your ad choices. Visit megaphone.fm/adchoices

Join us at https://www.crisisInvesting.com In this episode, Doug and Matt provide their insights on the recent election results, highlighting the defeat of Que mala and the renewed optimism with Trump's presidency. They reflect on Trump's appointments and initial policies, expressing cautious optimism about the future. The discussion shifts to Argentina's economic challenges under Melei's administration, with comparison to Uruguay. Key topics include Trump's proposed educational reforms, potential economic impacts of U.S. fiscal policies, and the implications of U.S. debt. Doug shares his views on Social Security, Medicare, and the challenges in deporting illegal immigrants, while also addressing viewers' pushbacks on previous episodes. The episode closes with discussions on potential future economic scenarios and the need for radical changes in U.S. policy. 00:00 Introduction and Election Reflections 01:43 Comparing Elections: US vs Argentina 04:12 Economic Challenges in Argentina 08:30 Trump's Policy Videos 22:03 Debating US Political Landscape 33:54 The Ingrained Socialism in America 35:29 The Value of Individualism 37:02 Challenges of Deportation and Repatriation 41:31 The Role of Government and Bureaucracy 42:29 Economic Policies and Global Impact 44:34 Interest Rates and National Debt 49:52 The Case for Defaulting on National Debt 55:44 Potential Economic Collapse Scenarios 58:20 Concluding Thoughts and Future Outlook

In this episode of 'Building Great Sales Teams,' the host returns after a three-week hiatus to share insights from his consulting experience. He emphasizes the importance of building content passively and provides actionable strategies for sales teams, such as leveraging discovery calls into content. The host discusses the concept of defaulting – relying on talent and abilities instead of structured systems – and its impact on personal and business growth. He shares his transition into a new role as VP of Direct Sales at ChexAM, a sustainability company, and outlines his goals, challenges, and the learning experiences involved. The episode concludes with a fresh commitment to delivering high-quality solo episodes focused on real-time sales strategies and leadership advice.Chapters00:00 Introduction and Apology01:39 The Importance of Passive Content03:50 Stop Defaulting: Leadership Insights06:33 The Sophomore Slump in Sales08:41 The Role of Managers and Key Players20:52 Personal Update and New Opportunities27:51 Conclusion and Future Plans Thank you for supporting Building Great Sales Teams! If you want to learn more about our host Doug Mitchell or get free BGST resources go to www.salesprogrambuilder.comAnd don't forget to visit us on Apple Podcasts to leave a review and let us know what you think! Your feedback keeps us going. Thanks for helping us spread the word!

 Not paying child maintenance could prevent you from getting credit. This, thanks to a Memorandum of Understanding that was signed between the Department of Justice and Constitutional Development and other partners. The MOU, called the Maintenance Online Listing of Defaulters, will ensure that the details of defaulting individuals are handed over to the credit bureau and other credit providers. Zalene Merrington reports...

In this episode of the Main Street Business Podcast, Mark J. Kohler welcomes Farah Saleh to dive deep into IRS debt resolution strategies. Learn why non-filing is far more dangerous than non-payment, and discover key strategies to resolve debt, from installment plans to creative solutions like leveraging personal assets. Whether you're facing liens, levies, or just seeking relief, this episode provides actionable steps to stay compliant and get back on track.Here are some of the highlights:Mark Kohler introduces Farah Saleh, CPA specializing in IRS resolution.Importance of filing taxes even if you owe money.IRS penalties are 10 times worse for not filing, rather than not paying.Mark stresses the significance of immediate communication with the IRS.Explore creative options before getting on an installment plan.Consider partial pay, offer in compromise, or fighting the bill.Use assets to pay off debt (e.g., sell the boat, use HELOC, borrow from 401k). Defaulting on payments leads to continued collection efforts.Compliance is key for any resolution with the IRS. Are you ready to get certified in EVERY strategy I teach? Start your journey with a FREE 15-minute demo. You don't want to miss this! Secure your tickets for the most significant tax & legal event of the year: Tax and Legal 360 Curious what my new certification is all about? Learn More Looking to connect with a rock star law firm? KKOS is only a click away! Grab my FREE Ultimate Tax Strategy Guide HERE! Check out our YOUTUBE Channel Here: https://www.youtube.com/markjkohler Craving more content? Check out my Instagram!

We all love giving advice! But when advice is your default as a leader, you can fall into an “advice trap” that actually crushes curiosity, creates disconnect, and prevents your team from finding productive outcomes. Bestselling author Michael Bungay Stanier (MBS) tackles this subject in his newest book The Advice Trap: Be Humble, Stay Curious & Change the Way You Lead Forever. In this episode, MBS shares some of the key lessons from the advice trap and his other books, including lessons and insights leaders can use to change their mindset, grow their curiosity, and create great new habits for building curiosity. 2:17 – With more curiosity, you can engage your people, boost morale and retention, and create a thriving organization 3:31 – Slow down in your rush to provide immediate advice 4:16 – As a leader, shift away from making advice your default response 5:13 – With curiosity, you can become a more strategic leader 6:11 – Defaulting to giving advice is often an ingrained habit 6:48 – When you start being more curious, you let others shine 7:17 – Curiosity can also strengthen your relationship with your family and others outside of work 8:40 – Forming new curiosity habits can take time and practice 9:47 - If you always give answers and advice, your team can become over-dependent, more disconnected, and less productive 10:48 – Through more curiosity, you and your team can find the purpose of your work 12:22 – While practicing curiosity and other new skills, approach it with patience and grace for yourself 13:28 – Be specific and deliberate in building your coaching habit 14:13 – Your team are your allies 15:19 – Instead of answering right away, stay in a place of curiosity a little bit longer 16:53 – Ask curious questions to find the root cause of issues within your team 18:48 – Asking questions can be more effective than giving advice 20: 11 – Your job isn't to come up with the best answer, but to help your team come up with the right answer 21:42 – To practice curiosity, pay attention to your body language Connect with Michael Bungay Stanier Visit his website and download chapter one of The Coaching Habit Learn more about Box of Crayons Read my book reports of The Coaching Habit  

1 Corinthians 2:14

Summary In this episode of the ForFit Fatherhood podcast, Rod Richard interviews Kyle Wester, a licensed professional counselor and parenting expert. They discuss the importance of an inside-out approach to parenting, focusing on the internal needs of children rather than just their behavior. Kyle emphasizes the power of curiosity and self-reflection in responding to challenging situations with children. He shares personal experiences and strategies for creating a positive and loving environment for children to thrive. The conversation explores the shift from using fear as a parenting tool to embracing vulnerability and connection. Fear-based discipline is ineffective and perpetuates more fear. The key is to build a strong relationship with your child based on love and trust. Spending intentional, enjoyable time with your child is crucial for building that connection. It's important to retrain your brain to respond rather than react in challenging situations. This can be done by pausing, taking a deep breath, and choosing a different voice. The goal is to guide and disciple your child towards becoming a better person. In this conversation, Kyle Wester and Rod Richard discuss the importance of being playful and flowing with your children to guide their behavior. They share personal anecdotes and insights on how to create connection and cooperation with your kids. Kyle emphasizes the need for fathers to embrace their role and be present for their children, while Rod highlights the importance of being a supportive and loving father. The conversation also touches on the Art of Raising Humans podcast and the transformative power of fatherhood. Takeaways An inside-out approach to parenting focuses on addressing the internal needs of children rather than just their behavior. Curiosity and self-reflection are key in responding to challenging situations with children. Modeling gratitude and enjoyment is important in teaching children to be grateful and enjoyable. Discipline does not have to be aggressive or fear-based; it can be done with love and understanding. Strength in parenting is found in having an open hand and not needing to control children. Fear-based discipline is ineffective and perpetuates more fear. Building a strong relationship with your child based on love and trust is crucial. Spending intentional, enjoyable time with your child helps build that connection. Retraining your brain to respond rather than react in challenging situations is key. The goal is to guide and disciple your child towards becoming a better person. Being playful and flowing with your children can help guide their behavior and create connection. Fathers should embrace their role and be present for their children, supporting and loving them unconditionally. Shame and fear should be replaced with confidence and acceptance in parenting. Fatherhood is a transformative journey that shapes both the father and the child. The Art of Raising Humans podcast provides valuable insights and discussions on parenting as a team. Chapters 00:00 Introduction and the Need for Information on Fatherhood 13:10 Curiosity and Self-Reflection in Understanding Children's Behavior 30:19 The Changing Value of Women and Fear in Parenting 45:53 Building a Strong Connection through Intentional Activities 53:57 Retraining Reactions and Defaulting to a Positive Voice 01:01:07 Guiding Children through Connection 01:26:23 New Chapter www.4fitfatherhood.com You have a limited offer you can use now, that gets you up to 48% off your first subscription or 20% off one time purchases with code 4FIT20 at checkout You can claim it at: https://magicmind.com/4fit20 --- Support this podcast: https://podcasters.spotify.com/pod/show/4fitfatherhood/support

From September 2, IDFC Bank's credit card customers will only have to pay 2% of the total bill amount every month instead of the earlier 5%. The bank has reduced the minimum amount due (MAD). Even Axis Bank did this last year in November.This means for customers, there are lesser chances of being tagged as a defaulters which hurts their credit score.  Why are banks doing this?Two bankers told The Ken that the main reason why banks or lenders are reducing MAD is because of rising defaults. India has been warming up to the idea of credit. In fact, now its come to a point where debit card usage is declining. Online credit card spending in India rose by 20% in the last one year to reach more than ₹1 lakh crore in March this year. But for banks or lenders this also means that the associated non-performing assets (NPAs) have started to become a cause for concern. This is why lowering the limit for defaults will help banks. But for customers, there is more to it than meets the eye.Tune in

“Local Vs Presidential Elections” “Cackling Kamala” “Defaulting In Biden's America” "Bidenomics On The Road”

Have you ever thought about the similarities between art and science? Or about how math is the language of the universe? No? Welcome to a perspective shift. Ultimately this episode is about making things better, not just different. But how we get there is through a thoughtful and entertaining discussion with the witty and philosophical Erin Weigel. Erin is the author of the recently published Design for Impact: Your Guide to Designing Effective Product Experiments. She brings a fresh, accessible, and humor-filled take on what may seem like a dry topic: experimentation. Erin and Lou discuss how both art and science are concerned with looking at the world through new perspectives. Both disciplines involve careful observation and critical thinking. While art uses form, color, and texture to communicate, science communicates through the language of math. Erin discusses the importance of experimentation in design, advocating for always defaulting to experiments even if they're the quick and dirty kind. Most of us don't have the resources for randomized controlled experiments, but even less rigorous experiments can provide valuable insights. All experiments involve tradeoffs. Do whatever experiments you can within the constraints that you have. Erin and Lou also discuss the following: - Normal distribution, central limit theorem, and what can be learned from outliers - The power of experiments to unite multidisciplinary teams by getting away from opinions and finding the truth - How professionals can use the principles of experimentation to navigate uncertainties and drive meaningful improvements - Discerning the impact of changes made What You'll Learn from this Episode: - How Erin, with a fine arts background, became the principal designer at Booking.com and the Senior Group Product Design Manager at Deliveroo - The fundamental similarities between art and science - Why you should never skip the experimental phase - How experimentation unites people across disciplines - The difference between making things different and making them better Quick Reference Guide: 0:32 - Introduction of Erin; similarities between art and science 4:05 - Barriers between art and science 5:58 - Statistics is fun! 12:37 - Defaulting to experimentation 18:06 - Break - 5 reasons to use the Rosenverse 20:36 - Experimentation as a uniting force 25:49 - Make things better, not just different 28:32 - Erin's gift for listeners Resources and Links from Today's Episode: Design for Impact: Your Guide to Designing Effective Product Experiments by Erin Weigel: https://rosenfeldmedia.com/books/design-for-impact/ Ologies Podcast with Allie Ward: https://www.alieward.com/ologies Rosenverse: https://rosenfeldmedia.com/rosenverse/ Factfulness: 10 Reasons We're Wrong About the World and 10 Reasons Why Things are Better Than You Think by Hans Rosling: https://www.amazon.com/Factfulness-Reasons-World-Things-Better/dp/1250107814

In episode 5, Julie talks to Oliver Fadly of NEPC about why he's cautious on private credit right now after the explosive growth in the asset class over the last 15 years, why he expects much more transparency in the coming years, and why it's hard to find managers with true track records that you can dig into to get a picture of their investment chops. Oliver and Julie discuss the good and the bad of consolidation and the increasing number of smaller private credit shops that are getting acquired by or doing joint ventures with larger asset managers.And amid all of those deals, Oliver is watching the inevitable shift in talent. Top people are getting contracts to stay for three or five years, but what's happening to the people below that? Oliver also talks about portfolio finance and so-called NAV loans, which have been increasing — and why he's pretty cautious (again that word!) about the sector and spending time trying to understand the motivation behind both the private equity firms that are taking on these loans and the credit funds that are making them. Oliver also speaks to capital structure stress, the result of a lot of private credit deals being done at the peak when rates were near zero. These companies have now burned through a lot of cash, and while there still isn't a huge wave of defaults, there are a lot of hard conversations to come. For investors, there may be opportunities to provide transitional capital to get a company “to the other side,” as Oliver points out. As always, I want to hear your thoughts. Email me at jsegal@institutionalinvestor.com or message me on LinkedIn. Which reminds me that I have to get back to a listener, who told me I should have asked a previous guest a few more questions. He's right and I'll respond. Thanks for listening everyone.

DEAR PAO: Defaulting buyer's rights under the Maceda Law | May 16, 2024 Hosted on Acast. See acast.com/privacy for more information.

Ever thought ‘toast is fine. I can live on toast' but wished you had an easier way to get healthier meals on the table?   Well tune into this weeks episode where Paula shares how she went from relying on toast more often than she'd like to having the freedom to enjoy simple home cooked dinners that take about the same time and effort as putting bread in the toaster.   Your Next Step… To find out the exact life-changing confidence boosting framework I taught Paula join me for my FREE Live (on zoom) cooking demo. Save your seat for the 4-Minute Healthy Dinner Demo. It will be the EASIEST (and most fun) live cooking class you'll ever attend. Learn more here.

The quiet path to loud success by overcoming our nature. We explore ego and our automatic tendencies and how we can over-ride our inbuilt patterns that get in the way of our goals. Set yourself apart in a world dominated by noise Silent but powerful ways to surpass expectations Increase effectiveness at getting what you want We delve into the art of quiet achievement, offering a fresh perspective on how to succeed without the spotlight. Advert - Cozy Earth Luxury Bamboo sheets and Loungeware that become softer the more you use them. 35% off code 'GROWTH' - CozyEarth.com Growth Mindset pod Sam Webster Harris explores the psychology of happiness, satisfaction, purpose, and growth through the lens of self-improvement. Success and happiness is a state of mind unique to ourselves and is our responsibility to create. Watch the pod - YouTube (Growth Mindset) Mail - GrowthMindsetPodcast(at)gmail.com Insta - SamJam.zen Chapters 00:00 The Pitfalls of Unhelpful AI and the Human Mind 04:05 Defaulting to Surrendering Our Assumptions 06:25 Actively Seeking Our Own Incompetence 08:07 Mr. Beast's Path from Incompetence to Mastery 10:17 Three Ways to Block Others' "Aha" Moments 11:55 Allowing Self-Persuasion 12:16 The Entrepreneur's Paradox of Asking for Advice 13:30 Closing Thoughts on Humility's Impact Learn more about your ad choices. Visit podcastchoices.com/adchoices

Sharpen Your Business Systems for Success   This week on She Talks Business, I'll be recording the second “My Take” series where I will give you my opinion and what I took away from my most recent read. We'll be talking about Nick Sonnenberg's Come Up for Air: How Teams Can Leverage Systems and Tools to Stop Drowning in Work.    The short version: This is excellent. It's a fantastic, super smart book. I highly recommend you read it and apply its principles to your team.    Essentially, this whole book is about doing more efficient work so you can literally come up for air. This includes taking your communication and separating it between internal and external, taking your planning for projects and ensuring that you have the right work management tools, and then taking your resources and making sure you have an efficient knowledge base and the right process management tools.    Your Business is Only as Effective as Your Systems  I open the episode with Dr. W. Edward Deming's 94% Rule, which basically says 94% of the results you experience in your business all stem from your processes and systems, not the individuals making up your team.  When operating in your business and setting up systems for your team, there is a tendency to outgrow your system or identify how a system isn't working the way you'd hoped. Instead of reassessing and starting from scratch with a new system, we tend to put bandaids and make exceptions so we can continue using this already established but not very effective system.  What really needs to happen, and Nick really sheds light on this, is we need to assess all of our systems in their entirety to ensure that they are serving their purpose and making your life and your team's life easier.    CPR: Communication, Planning, Resources Nick Sonnenberg's CPR framework lays the foundation for categorizing and optimizing business processes. Breaking down internal and external communication, streamlining planning tools, and effectively managing resources can prevent your team from "drowning in work." This method strategically simplifies processes, enabling teams to focus on what they do best: driving the business forward.   Effective Systems Improve Your Culture  I even argue that good systems not only increase efficiency and your team's bandwidth but they can also enhance your company's culture. Clear guidelines can reduce frustration and allow employees to focus on their work without unnecessary interruptions or too much time trying to find what they need to do their work. Effective systems show your team that you value their time and well-being and that you want to make it as easy as possible for them to succeed.    Nick's book, Come Up For Air, helps you figure out your communication processes,  your project management system, and how to manage your resources. It even goes into how to better your onboarding and shows you how to buy back time with more efficient systems. It's an excellent book that will have you setting your team and your business up for success.    I hope this take was useful for you and that you grab your own copy. If you do, be sure to tag me and Nick on social media so we know you were inspired by this episode.    What's In This Episode The 94% Rule by W. Edwards Deming states most workplace results are due to systems and processes, not individual efforts. Defaulting to temporary solutions rather than evaluating the system as a whole cuts down on efficiency. CPR stands for Communication, Planning, and Resources. “Stop the scavenger hunt" for information by implementing effective systems that cut down on time and increase productivity.    What To Do Next Visit lisalarter.com/e151 for all resources from this episode.

From LA to Cabo to Quebec City and the lessons learnt along the way.

As the federal government's debt approaches $35 trillion, default one way or another is inevitable. Many US states already have used that method to eliminate their debts.Original Article: US States Have a Long History of Defaulting

As the federal government's debt approaches $35 trillion, default one way or another is inevitable. Many US states already have used that method to eliminate their debts.Original Article: US States Have a Long History of Defaulting

As the federal government's debt approaches $35 trillion, default one way or another is inevitable. Many US states already have used that method to eliminate their debts. Narrated by Millian Quinteros.

Topics covered in this episode: zoxide Smart CLIs with Typer Python recommended officially by the US Government Textual tutorials at Mouse vs Python Extras Joke Watch on YouTube About the show Sponsored by ScoutAPM: pythonbytes.fm/scout Connect with the hosts Michael: @mkennedy@fosstodon.org Brian: @brianokken@fosstodon.org Show: @pythonbytes@fosstodon.org Join us on YouTube at pythonbytes.fm/live to be part of the audience. Usually Tuesdays at 11am PT. Older video versions available there too. Michael #1: zoxide zoxide is a smarter cd command, inspired by z and autojump. It remembers which directories you use most frequently, so you can "jump" to them in just a few keystrokes. zoxide works on all major shells and platforms. Brian #2: Smart CLIs with Typer Rahul Pai Lots of TILs here, even though I've been using Typer for years. Examples of Auto-detection of arguments and types based on type hints Help text is a smidge clunkier Prompting for missing arguments Defaulting to an enviromental variable for missing args Print help if no args given Explicit app and subcommands with a comparison to argparse Reusable commands with result_callback Several topics covered in comparison with argparse See also Testing argparse Applications Michael #3: Python recommended officially by the US Government The US government explicitly recommends memory safe languages. Python is one of them The comparison to big tech by Samuel is interesting Brian #4: Textual tutorials at Mouse vs Python Mike Driscoll Most recently Creating a Modal Dialog For Your TUIs in Textual Textualize already has some pretty great documentation at textual.textualize.io But it's cool to see some different tutorials on it. Extras Brian: Is UV the FUTURE of Python PACKAGING?

San Francisco is currently witnessing a major shift in its real estate and retail landscape, epitomized by the downfall of Varius Investments, once the city's largest landlord, now defaulting on $1 billion in debt. This financial turmoil is compounded by the closure of iconic stores like Macy's downtown flagship and a Walgreens Financial District location, signaling deeper issues of safety, homelessness, and declining foot traffic. The city's office vacancy rate has skyrocketed to over 35%, a stark contrast to the pre-pandemic era. Despite the grim scenario, some see a silver lining with potential AI industry growth. However, the challenges of remote work, public safety, and the city's image persist, painting a complex picture of San Francisco's urban economy and its attempt to navigate through these turbulent times. --- Send in a voice message: https://podcasters.spotify.com/pod/show/darien-dunstan3/message

Join us for an insightful conversation as we delve into the world of self-defense with renowned expert Tony Blauer. Reveal the secrets behind weaponizing the startle flinch and converting fear into a protective force. Blending neurobiology, kinesiology, and psychology, he reveals the science of self-defense in a captivating and engaging manner. Get ready to explore practical tactics and profound insights to empower your safety journey. Highlights: "The only way you can compete with the speed of sudden violence is to improve your mind speed. Not how fast you kick, not how fast you punch. Because if I don't clear my mind, I don't think to punch or kick." "Fear makes us doubt, doubt creates hesitation, hesitation creates procrastination. Violence loves speed." "Every victim of violence who lived to tell the tale has said, 'I always had a bad feeling before the attack.' You always know when someone is gonna fight or run. It's about their energy." Timestamp11:27 - Weaponizing the Startle Flinch12:26 - Spear: Spontaneous Protection, Enabling Accelerator Response 13:37 - The Reality of Violence: Consent, Preparation, Awareness15:15 - Understanding the Flinch Response16:46 - The Neurobiology of Survival: Protecting the Command Center 18:22 - Discovering the Startle Response in Training Drills 20:19 - The Toughest Fight: Anthony Smith's Home Invasion Experience22:17 - The Importance of Situational Awareness25:08 - Defaulting to Familiar Moves Under Stress36:19 - Shifting Mindsets: Preparing for the Unthinkable

Erik Cason is a prominent figure in the world of Bitcoin and a leading voice in the cypherpunk movement, known for his thought-provoking essays on the philosophical aspects of Bitcoin and digital sovereignty. His book, "Cryptosovereignty: The Encrypted Political Philosophy of Bitcoin," encapsulates his transformation from socialism to anarchism and underscores his advocacy for an independent monetary system, emphasizing the transformative potential of cryptography in the realm of Bitcoin. → Follow Erik on https://x.com/Erikcason → Erik's book “Cryptosovereignty”: https://www.amazon.com/Cryptosovereignty-Encrypted-Political-Philosophy-Bitcoin/dp/B0CFCW6JJR

TBD --- Send in a voice message: https://podcasters.spotify.com/pod/show/darien-dunstan3/message

PREVIEW: Excerpt from a conversation with Chris Riegel of Scala.com re the defaulting wave sweeping commercial real estate across America's major and secondary cities. The WSJ says between now and 2027 $2.2 Trillion of commercial buildings are coming due, and WFHome or exodus means that buildings can be marked down 50% or much more.  https://www.bloomberg.com/news/articles/2024-01-16/blackstone-s-defaulted-nyc-office-loan-for-sale-at-50-discount?sref=5g4GmFHo 1913 Old Morgan building for the wrecking ball.

FreshEd is on holidays for the next few weeks. While we are away, we'll replay some of our favourite episodes. You can check out our entire catalogue of 341 episodes here: https://freshedpodcast.com/freshed/ Please be sure to donate to FreshEd in 2024: www.freshedpodcast.com/donate -- American students are in debt. Some forty-four million Americans collectively hold over $1.4 trillion worth of debt. Those numbers have increased since the Global Financial Crisis from 10 years ago. Today I speak with Ben Miller, a senior director for Postsecondary Education at the Center for American Progress. Ben specializes in higher-education accountability, affordability, and financial aid, as well as for-profit colleges. His most recent op-ed – “The Student Debt Problem is Worse than we Imagined” – appeared in the New York Times in August. Citation: Miller, Ben, interview with Will Brehm, FreshEd, 126, podcast audio, September 17, 2018. https://www.freshedpodcast.com/benmiller/ -- Get in touch! Twitter: @FreshEdpodcast Facebook: FreshEd Email: info@freshedpodcast.com Support FreshEd: www.freshedpodcast.com/donate

In this week's episode, Michael sits with special guest Vijeth Kumar who talks about his journey growing up in India, finding his guru, his life as a yoga therapist, the importance of yoga in the modern day, and unconditional love and gratitude.  Vijeth talks about his traditional upbringing in Mysore India where practicing yoga daily was part of the routine. He met his guru BNS Iyengar at 14 years old.  He talks about the importance of teachers and gurus. And how the practice of yoga is a gradual journey of being graced by your guru towards awakening. He mentions that service is the donation for the guru.  Vijeth talks about the importance of authenticity and a loving heart as you teach yoga, whether or not you follow the tradition. He describes being a yogi as being one with nature and allowing healing to happen. He says patience is necessary for any mindfulness practice.  Vijeth also discusses unconditional life — something that could sound simple in theory but takes a great amount of work and surrender. He talks about always giving thanks for the present moment, and for all that is.  00:00 Introduction  03:08 About Vijeth 05:25 Yoga Therapy Journey 06:17 Moving to Bali 09:41 Seeking Guidance and Guru Journey 20:32 Embodying Yoga  22:17 To Be a Yogi 26:15 Being Balanced Through Yoga 29:07 How We've Pictured our Lives to Be and Desire 33:00 Doubling up on Love in Life 36:08 Cultivating Love 37:20 Defaulting to Gratitude 39:08 Closing Remarks  Tags: Gratitude, Love, Spirituality, Guru, Awakening, Yoga Instagram: vijethyoga  --- Send in a voice message: https://podcasters.spotify.com/pod/show/goingproyoga/message

Betsy Mayotte, founder of The Institute of Student Loan Advisors, explains the benefits of federal student loan repayment plans, and the loophole that makes Parent Plus loans eligible for the SAVE plan. New-Home Sales Have Remained ResilientFedEx Missed Morningstar's ExpectationsMicrosoft's Activision Blizzard Buyout  Student Loan Repayments and “The Institute of Student Loan Advisors”How To Prepare for Student Loan Payments  Younger Borrowers vs. Older BorrowersShifting Student DebtRisks of Defaulting on Federal Student Loan Debt in RetirementThe SAVE Repayment PlanWhat Rising Bond Yields Mean for Investors Read about topics from this episode.  Incentives and Speculative Building Have Boosted New-Home Sales; We Now See More Starts in 2023FedEx Earnings: Global Package Demand Still Sluggish, but Ground Margins ImpressActivision Blizzard: Sale to Microsoft Will Likely Close in OctoberStudent Loan Repayments Are Back. What Does That Mean for Your Financial Plan?Information on Limited Forgiveness Opportunities and Repayment Restart What to watch from Morningstar.UAW Strike Raises Investor Risks3 of the Best Robo-Advisors, and One of the WorstStocks to Consider as the U.S. Pushes to Reclassify Cannabis“Ripped Off” to a “Better Deal” – How Investors Fared Since the Market-Timing Scandal Read what our team is writing:Ivanna Hampton  Follow us on social media.Facebook: https://www.facebook.com/MorningstarInc/Twitter: https://twitter.com/MorningstarIncInstagram: https://www.instagram.com/morningstar... LinkedIn: https://www.linkedin.com/company/5161/

In today's episode, I explore the importance of cultivating emotional intelligence and expanding our capacity within our nervous system. I emphasize the need to interpret and be in relationship with a wide range of sensations that arise as we courageously move towards our goals. I discuss the challenges of stepping out of our comfort zones and the tendency to default to what feels good in the moment. I highlight the significance of expanding our window of tolerance and developing emotional intelligence to align our behaviors with our desired identity. I also encourage listeners to ask themselves what will feel great to have done in the long run, rather than just what feels good in the present moment. In This Episode: 0:02:16 | Brief mention of the recent rebranding of Aroara  0:05:02 | Importance of developing emotional intelligence for personal growth  0:08:08 | The tendency to avoid discomfort and the need to expand our window of tolerance  0:10:16 | The value of being able to consciously think and feel  0:13:22 | Exploring the different states of the nervous system  0:14:55 | The discomfort of stepping into something new  0:16:34 | Defaulting to old ways of being instead of embracing change  0:17:52 | The subconscious reaction to big changes and self-preservation mechanisms  0:18:34 | Importance of self-awareness and compassion in personal growth  0:19:05 | Confidence and self-trust come from embracing discomfort  0:20:34 | Intentionally seeking discomfort to expand window of tolerance  0:21:51 | Brave spaces vs. safety in personal growth  0:22:26 | Importance of working with a trusted guide or coach  0:23:20 | Emotional intelligence and self-regulation are key in leadership  0:25:16 | Embracing mistakes and challenges as part of life  0:26:42 | Choosing actions in alignment with long-term goals and values  0:36:16 | Identity and releasing past experiences impact our entire life.  0:38:42 | Appreciation for sharing information and supporting others.  Key Takeaways: Emotional intelligence is the capacity to be aware of, interpret, express, and respond to emotions while handling interpersonal relationships with intention and empathy. Expanding our window of tolerance involves increasing our capacity to tolerate the stress that arises when leaving our comfort zones and improving our body-mind connection. People often resist what they desire the most because their subconscious and nervous system associate familiarity with safety. Developing emotional intelligence and interrupting autopilot ways of existing are crucial for embodying leadership and creating the life we want. Being in an ongoing relationship with ourselves and making conscious decisions aligned with our desired identity are essential for personal growth and fulfillment. Quotes: "Confidence and self-trust are a result of courageously and boldly learning how to befriend discomfort." - Rachael Meeds "Your capacity and ability to welcome in what you actually want is on the other side of how honest you're being with yourself." - Rachael Meeds "Embodied leadership requires a willingness to embrace the unavoidable discomfort that comes with developing your identity and going beyond the conventional path." - Rachael Meeds Thank you so much for being here! So excited for you to dive into this week's episode. Try my new Free Hypnosis: Liberating Your Expression ~~~~~~~~~~~~~~~~~~~~~ Connect & Work With Rachael: Instagram TikTok Youtube The Sacred Self Hypnosis Library ($17) Ecstatic (An Ecstatic Dance & Hypnosis Experience) 1:1 Coaching Application (FREE) Liberating Your Expression Hypnosis Blog  The Embodied Leadership Newsletter If you enjoyed today's episode, please let me know by leaving a 5-star review on whatever platform you're listening to this, or sharing this episode on your Instagram stories and tagging me! It means so much and helps us reach more gorgeous souls who need to hear these messages!

In this video, Patrick Bet-David discusses the issue of the debt ceiling in America, its history, and how it has been used as a political weapon. It highlights the negative consequences of defaulting on the national debt with examples from Argentina, Russia, Greece, and Venezuela. Go to our sponsor https://betterhelp.com/valuetainment for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help. FaceTime or Ask Patrick any questions on https://minnect.com/ Recommended video: Will The U.S. Dollar Collapse As a Reserve Currency? - History of World Currency Explained: https://youtu.be/urEAgeeTq4k Subscribe to our channel: http://bit.ly/2aPEwD4 To reach the Valuetainment team, you can email: info@valuetainment.com #debt #default #history --- Support this podcast: https://podcasters.spotify.com/pod/show/valuetainment/support

On today's episode, NLW digs into the acrimonious debt ceiling debates, including the way in which crypto has recently become yet another partisan football.  Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/nathanielwhittemorecrypto Subscribeto the newsletter: https://breakdown.beehiiv.com/ Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownNLW

In this episode, Patrick Bet-David, George Gammon and Ran Neuner will discuss: U.S. defaulting on its debt The Jobless claims crisis The unemployment rate FaceTime or Ask Patrick any questions on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://minnect.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Want to get clear on your next 5 business moves? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://valuetainment.com/academy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join the channel to get exclusive access to perks:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://bit.ly/3Q9rSQL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Download the podcasts on all your favorite platforms⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://bit.ly/3sFAW4N⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/pbdpodcast/support

 Have you second guessed your pricing because your bookings were slower than usual? Are you constantly resorting to discounting your photography prices? On today's episode, we are having a very honest discussion on discounting and the fear of raising your prices. Some highlights from the episode include:-the real reason you are discounting your photography services-why your pricing isn't the issue -how to confidently price your services and packages-some encouragement and a kick in the booty for you to change it upDive into the BRAND NEW Pricing for Profit training here. Download the 'Double your Leads' Freebie for photographers!Ready to go full time in your photography business? Come check out my Blueprint program.Loving this podcast? Come join us in the NEW Photographer Community on Facebook.

An "Invitation" to Trump to Testify Before a Manhattan Grand Jury Will Likely be Followed by the First Indictment of a President in US History | The Dire Consequences of Defaulting on Our Debt | Demonstrations in Georgia, Destabilization in Moldova and Russian Pressure on Belarus backgroundbriefing.org/donate twitter.com/ianmastersmedia facebook.com/ianmastersmedia

Partner Veteran Legislative Voice (VLV)Partner:Stephanie Kalota - US Army Reserve Sergeant First Class Veteran and Founder/Creator of Veteran Legislative Voice

The law of inertia states that every object remains at rest unless compelled to change. This law is also applied in human lives. Many people simply get into a certain series of habits and those habits are not going to change; but just like how the law of inertia works, I am going to compel you to do an action to change whatever state you are in. Today, we will be talking about the habits that you are doing that keep you an average person. If you have the habits that I am going to share, be compelled to do something about them. You are still salvageable. You have the capacity to make change in your life. Tune in now! Show notes: [08:06]#1 Defaulting to belief in hard work as the keys to your success. [10:55]#2 Seeking validation and affirmation over accuracy. [21:22]#3 Not knowing what business you are actually in. [27:09] Recap Episodes Mentioned: 1286: How To Be A Person Of Substance 2183: Substance Is Self-Evident 2167: Being "Right" Vs Being Accurate [They're NOT The Same] --- All Episodes + FULL Work On Your Game Podcast archive at: http://WorkOnYourGamePodcast.com Next Steps: #DailyMotivation Text: Text Dre at 1.305.384.6894 (or go to http://DreAllDay.com/Text) Work On Your Game LIVE: http://WorkOnYourGame.LIVE Training - Increasing Your Income With Strategy & Systems: http://www.WorkOnYourGame.net Facebook Group: https://www.facebook.com/groups/6figuresandgrowing/ Free Audiobooks: The Third Day: http://www.ThirdDayBook.com/audible The Mirror Of Motivation: http://www.MirrorOfMotivation.com/audible Get The Free Books: The Third Day: http://ThirdDayBook.com The Mirror Of Motivation: http://MirrorOfMotivation.com The Overseas Basketball Blueprint: http://BallOverseas.com Basketball: How To Play As Well As You Practice: http://HoopHandbook.com/Free 30 Days To Discipline Course: http://www.WorkOnYourGame.com/30 Donate: CashApp: http://Cash.app/$DreBaldwin PayPal: http://PayPal.me/DreAllDay Be sure to Subscribe to have each new episode sent directly to you daily! If you're enjoying Work On Your Game, please Review the show and let us know! Dre on social media: Instagram [http://instagram.com/DreBaldwin] Twitter [http://Twitter.com/DreAllDay] YouTube [http://youtube.com/dreupt]

Consistent whitetail success and enjoyment hinges on two very different aspects of every hunt. The first involves all of the stuff we can't control, like weather, the actions of other hunters, and the cosmic, known-only-to-them whims upon which all deer operate. The second is what we can control, which can just as easily tank any random sit. Defaulting to an easy field edge stand when you should be in the timber, ignoring loads of fresh sign in...

Trump will announce his run for POTUS very soon while DeStantis is in no rush right now. The abortion issue. Getting a bigger caucus. The new Speaker of the House. Defaulting on the National Debt. Prediction: HeavyD will do campaign events for others. See omnystudio.com/listener for privacy information.

Before, after, and during college, the cards are still stacked against Black students. Today, we look at how that reality translates into Black borrowers being more likely to default on their student loans.