Podcasts about defaults

In this episode, we are joined by Jean-Pierre Aubry, Associate Director of Retirement Plans and Finance at the Center for Retirement Research at Boston College, for a research-driven conversation about retirement investing, financial advice, pension fund management, and inflation. Drawing from years of empirical research, Jean-Pierre shares insights into how households actually invest, how financial advisors shape portfolio decisions, and why investors often hold asset allocations that differ from their own stated preferences.   We also examine the investment strategies of public pension plans, why their increasing reliance on alternative assets has largely failed to deliver superior performance, and the institutional forces driving those decisions. Finally, Jean-Pierre explains how inflation disproportionately affects retirees, why many households overreact during inflationary periods, and why understanding retirement risks—from market volatility to sequence of returns—is critical for long-term financial security.   Key Points From This Episode: (0:06) Introduction to Jean-Pierre Aubry and the Center for Retirement Research at Boston College. (6:29) The Center's mission: producing objective, accessible retirement policy research. (7:03) Why investors' actual stock allocations are higher than their stated ideal allocations. (9:31) Defaults and target-date funds may explain the gap between desired and actual portfolios. (10:46) Investors tend to underestimate long-term stock returns and overestimate market risk. (11:22) Financial advisors generally encourage higher equity allocations by reducing investor pessimism. (12:06) How advisor compensation can create incentives to recommend higher stock exposure. (13:42) Research showing advisor recommendations vary more across advisors than across client profiles. (16:56) The "advisor fixed effect": advisors largely recommend portfolios consistent with their own philosophy. (18:57) Why working with an advisor often leads investors to hold more equities. (20:26) How target-date funds work and why auto-enrollment is reshaping retirement investing. (22:57) Why advisors and target-date funds are generally improving retirement security. (23:57) The evolution of public pension investing from bonds to equities and then alternative assets. (30:12) The growing influence of consultants and peer effects on public pension investment decisions. (31:14) Why pension plans with greater allocations to alternatives have generally underperformed peers. (32:23) Comparing public pension performance against a simple 60/40 index benchmark. (36:43) Whether indexing may be a better long-term solution for public pension investing. (39:35) Concerns about adding private assets to default retirement plan options. (40:15) Maintaining objectivity while researching politically sensitive retirement issues. (42:58) Why investment policy remains the "final frontier" for improving public pension systems. (46:45) Why retirees are especially vulnerable to inflation. (50:06) How inflation affects retirees differently across age and wealth levels. (51:52) Why households tend to overspend during inflationary periods. (53:38) How financial advisors adjust recommendations when inflation and interest rates rise. (54:11) Why inflation ultimately reduces retirement security for many households. (54:42) Which retirees face the greatest market risk. (55:35) Why most retirees have little understanding of sequence of returns risk. (55:56) Advisors understand sequence risk, but that knowledge doesn't appear to transfer to clients. (57:23) Why declining equity exposure over time remains the canonical life-cycle investing approach. (58:25) Jean-Pierre's definition of success: purpose, meaningful relationships, and financial security. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Inklusive Kommunikation klingt für manche nach Stilfrage, für andere nach Sprachpolizei und für wieder andere einfach nach gesundem Menschenverstand. Aber was passiert eigentlich, wenn Sprache nicht nur beschreibt, sondern Bilder im Kopf erzeugt, Teams prägt und sogar beeinflusst, wer sich auf einen Job bewirbt oder in einer Tech Community willkommen fühlt? Genau darum geht es in dieser Episode.Zu Gast ist Lukas Kahwe Smith, Softwareentwickler, Open Source Veteran aus dem PHP-Community und ehemaliger CTO von Witty Works. Mit ihm sprechen wir über inklusive Sprache in der Softwareentwicklung, über Gendern, geschlechtsneutrale Begriffe, diskriminierende Sprachmuster, problematische Formulierungen in Stellenausschreibungen und die Frage, warum Begriffe wie Main Branch, Master Branch, Whitelist, Blacklist oder Leader Follower in der Tech-Welt mehr sind als nur Benennungssache. Außerdem schauen wir auf Open Source, Teamkommunikation, Leadership-Kommunikation, Diversity in Communities und darauf, wie Witty Works als Browser Extension und Lerntool für inklusivere Kommunikation funktioniert hat.Besonders spannend wird es beim Blick auf KI und LLMs. Helfen ChatGPT, Claude und Co. dabei, inklusiver zu schreiben, oder zementieren sie am Ende nur die Sprache der Vergangenheit? Wenn du wissen willst, warum Kontext wichtiger ist als starre Regeln, wie Sprache Kultur verändert und weshalb kleine Formulierungen große Wirkung haben können, dann ist diese Folge genau dein Ding. Bonus: Ein racist soap dispenser und ein Git Branch haben heute mehr gemeinsam, als dir vielleicht lieb ist.Unsere aktuellen Werbepartner findest du auf https://engineeringkiosk.dev/partnersDas schnelle Feedback zur Episode:

A long life is a blessing—but is your retirement plan ready for it? In this episode of WealthBT, Genevieve Cua sits down with Manulife Investments Singapore CEO Koh Hui-Jian to tackle the new reality of retirement. With lifespans reaching into the 80s, the traditional "simple savings" approach won't suffice for a 40-year horizon. Why must you move beyond local markets? Also discover the power of globally diversified portfolios, and the strategies needed to build an inflation-proof income stream. Don’t leave your future to chance—listen now for the blueprint to a secure, resilient retirement. Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua. Highlights of the podcast: 01:20 Pillars of a strong retirement system 04:12 The gap between intention and action 06:21 The Glide Path 08:51 Don’t bet on only one market 10:27 Defaults matter more than willpower --- Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg. --- Written and hosted by: Genevieve Cua (gen@sph.com.sg) With Koh Hui-Jian, chief executive, Manulife Investments Singapore Edited by: Howie Lim & Claressa Monteiro Produced by: Genevieve Cua, Howie Lim & Chai Pei Chieh A podcast by BT Podcasts, The Business Times, SPH Media --- Follow BT Correspondents: Channel: bt.sg/btcobt Amazon: bt.sg/btcoam Apple Podcasts: bt.sg/btcoap Spotify: bt.sg/btcosp YouTube Music: bt.sg/btcoyt Website: bt.sg/btcorresp Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice. --- Discover more BT podcast series: BT Money Hacks: bt.sg/btmoneyhacks BT Podcasts: bt.sg/pcOM BT Market Focus: bt.sg/btmktfocus BT Lens On: bt.sg/btlensonSee omnystudio.com/listener for privacy information.

What happens when you strip Windows 11 to the bone and dodge Microsoft's usual bloat? Paul Thurrott reveals how far you can actually go in building a lean, privacy-focused Windows experience—without third-party debloating tools. Host: Paul Thurrott Download or subscribe to Hands-On Windows at https://twit.tv/shows/hands-on-windows Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: blackhat.com/us-26 and use code TWIT

What happens when you strip Windows 11 to the bone and dodge Microsoft's usual bloat? Paul Thurrott reveals how far you can actually go in building a lean, privacy-focused Windows experience—without third-party debloating tools. Host: Paul Thurrott Download or subscribe to Hands-On Windows at https://twit.tv/shows/hands-on-windows Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord. Sponsor: blackhat.com/us-26 and use code TWIT

⚠️ What Happens If Your Ex Defaults on Shared Debt? | Los Angeles Divorce

Why do borrowers stop making their mortgage payments? Is it simply because they don't want to pay—or is there much more to the story?In this episode of the Paperstac Podcast, Brett Burky and Rick Allen break down the real reasons borrowers default on their mortgage loans and what every note investor should understand before buying performing or non-performing notes.Drawing from years of experience reviewing thousands of mortgage loans, they discuss the life events that most often lead to delinquency, how investors can recognize early warning signs, and why understanding borrower behavior can dramatically improve investment decisions.During this episode you'll learn:The biggest misconceptions about borrower defaultsThe five most common reasons homeowners stop making paymentsThe difference between temporary hardship and permanent financial distressWarning signs that can indicate a loan is headed toward defaultHow quality loan servicing can improve borrower outcomesPractical lessons every mortgage note investor should apply when evaluating assetsWhether you're new to mortgage note investing or actively building a portfolio, this discussion provides valuable insight into the human side of note investing and why every loan is much more than just numbers on a spreadsheet.Hosted by Brett Burky and Rick AllenVisit Paperstac.com to browse mortgage notes for sale, connect with buyers and sellers, and access educational resources to help you become a better note investor.#MortgageNotes #NoteInvesting #NonPerformingNotes #PerformingNotes #RealEstateInvesting #DistressedDebt #PassiveIncome #CashFlowInvesting #MortgageInvesting #PaperstacPodcast #PaperstacFollow Us On These Platforms:

Commercial Real Estate Now | Episode with Hue Chen, President & CEO of Saglo CompaniesKarly Iacono sits down with Hue Chen, President and CEO of Saglo Companies — a vertically integrated, privately held retail real estate firm celebrating its 50th anniversary this year. From surviving the S&L crisis and the dot-com bust to navigating COVID, Saglo has never defaulted on a loan. Hue breaks down exactly how they've done it.In this episode, we cover:Saglo's 50-year history and what it takes to survive every down cycle in commercial real estateHue's day-to-day as President & CEO — and why technology strategy must be led from the topHow to identify the right acquisition target: the full checklist Hue's team uses to underwrite neighborhood and community shopping centersCapEx decisions: when renovation makes sense, when it doesn't, and how lender financing changes the mathSaglo's capital stack: 65% LTV, banks over CMBS, and a friends-and-family equity modelThe fund structure vs. deal-by-deal investing — and what made them switch

In this episode of the Seller Finance and Creative Deals Podcast, Dan Deppen breaks down partials, one of the most talked about but least understood tools in note investing. Dan explains what a partial actually is (selling a defined chunk of future loan payments at a set rate of return), walks through a real numbers example on a $30K land contract, and covers why partials can be a win for both sides of the deal.   Topics covered include why partials only work on performing loans, how sellers use them to recapitalize and scale without giving up the entire note, why buyers like the lower risk of front-end payments and the ability to get exposure to note investing with less capital, how to find partial buyers through your network rather than open marketplaces, typical interest rates sellers offer buyers, key structural decisions like who holds servicing and whether to sell full or fractional payments, and how defaults are typically handled when a partial is in place. Dan also shares an update on his Oklahoma City note portfolio acquisition and the current Note Accelerator cohort. Want to learn more about note investing, seller finance, or creative real estate deals? Check out Fusion Notes for coaching and courses, (www.fusionnotes.com) and Call The Underwriter (www.calltheunderwriter.com,) for flat-fee seller finance compliance and origination help. Note buying: www.fusionnotes.com Note origination and underwriting: www.calltheunderwriter.com Mortgage broker / DSCR servicers in TX, FL and CO: www.callthemortgageguy.com  

Pastors Ben and Tony talk about the different defaults in our families on consciences and how to walk through them

This week is all about answering your questions! You can also watch on YouTube:https://youtu.be/Fy1pNI4BpWY▶︎ Website - www.thepropertyfinancecollective.co.uk▶︎ The Host - With a passion for creative finance and the ability to structure deals for Finance, I love helping first time Developers and Investors to get deals packaged for the finance needed to push Property Careers forward, and to date I have raised over £500 million for Developers and Investors. I first got into property at the age of 18 when I got into Conveyancing straight out of school. I then went into Estate Agency, back into Conveyancing and I then got into brokering at the age of 22. I decided a year and a half later that I wanted to work for myself and try and shake up the market place! At the age of 24 I set up The Property Finance Guy and became the youngest owner of a Commercial Finance Brokerage in the Country, and alongside this I now also have a successful Training Company, educating Investor and Developers on how to raise finance, and a successful Podcast.I am a keen public speaker and have delivered training and speeches to over 1000 investors and developers over the past 2 years.Follow Michael:▶︎ Facebook - https://www.facebook.com/thepropfinguy/▶︎ Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/thepropertyfinanceguy/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ LinkedIn - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/michael-primrose-886a365b/?originalSubdomain=uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Listen to the Podcast on:▶︎ Apple Podcasts - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/gb/podcast/the-property-finance-podcast/id1448207494⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Spotify - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/7JiDtm7hc0EfSW9LjCXDaO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@thepropertyfinanceguy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠▶︎ Disclaimer - With the market changing so quickly, the content could be out of date at the time of listening.This Content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.

Tue, 16 Jun 2026 18:30:00 GMT http://relay.fm/focused/258 http://relay.fm/focused/258 David Sparks and Mike Schmitz David & Mike discuss protecting your capacity, honoring your chronotype, and changing your personal defaults. David & Mike discuss protecting your capacity, honoring your chronotype, and changing your personal defaults. clean 3480 David & Mike discuss protecting your capacity, honoring your chronotype, and changing your personal defaults. This episode of Focused is sponsored by: Vitally: Your Copilot for AI-Powered Customer Success. Get a free pair of AirPods Pro when you book a qualified meeting. Incogni: Take your personal data back with Incogni! Use code FOCUSED with this link and get 60% off an annual plan. Links and Show Notes: Deep Focus: Extended ad-free episodes with bonus deep dive content. Video version of this episode Intentional AI Robot Assistant Field Guide Atomic Habits by James Clear Deep Work by Cal Newport Dekáf Coffee Oura Ring 5 Focused #257: I Go By Vibes, with Stephen Robles Range by David Epstein Inside the Box by David Epstein

Tue, 16 Jun 2026 18:30:00 GMT http://relay.fm/focused/258 http://relay.fm/focused/258 Personal Defaults 258 David Sparks and Mike Schmitz David & Mike discuss protecting your capacity, honoring your chronotype, and changing your personal defaults. David & Mike discuss protecting your capacity, honoring your chronotype, and changing your personal defaults. clean 3480 David & Mike discuss protecting your capacity, honoring your chronotype, and changing your personal defaults. This episode of Focused is sponsored by: Vitally: Your Copilot for AI-Powered Customer Success. Get a free pair of AirPods Pro when you book a qualified meeting. Incogni: Take your personal data back with Incogni! Use code FOCUSED with this link and get 60% off an annual plan. Links and Show Notes: Deep Focus: Extended ad-free episodes with bonus deep dive content. Video version of this episode Intentional AI Robot Assistant Field Guide Atomic Habits by James Clear Deep Work by Cal Newport Dekáf Coffee Oura Ring 5 Focused #257: I Go By Vibes, with Stephen Robles Range by David Epstein Inside the Box by David Epstein Dyi

Credit delinquencies are still rising. The bull case for single family housing. The flood of rental supply, and the death of the pre-sale condo. Bonus episode with Ben Rabidoux of Edge Analytics. Start an investment portfolio that's built to perform with Neighbourhood Holdings! For Mortgage Brokers: https://www.neighbourhood.com/looniehour-brokersFor Investors and Advisors: https://www.neighbourhood.com/looniehourEdge Analytics – EDGE30 / EDGE330 for $30/month, $330/year: https://www.edgeanalytics.ca✉️ Media & Real Estate Inquiries: steve@stevesaretsky.comStay up to date with our information -

High yield bonds can offer strong income, but they also come with risks that are often misunderstood. Think of them like lending to growing companies that pay you more to take on extra risk and where a bump in the road doesn't always mean the journey is over. This episode breaks down what really drives returns, why defaults aren't as scary as they sound, and how these bonds behave more like equities than traditional fixed income. With a clearer view of the trade‑offs and opportunities, could high yield be doing more heavy lifting in your portfolio than you think? Join Alex Gorewicz, Vice President & Director, Active Fixed Income Portfolio Management, TD Asset Management Inc. (TDAM) and Anthony Imbesi, Vice President & Director, Lead, High Yield, TDAM as they break down the role of high yield bonds, challenge common misconceptions, and explore how they can enhance income and diversification in a portfolio. Highlights include: 00:53 What high yield bonds are and how they differ from investment grade 04:06 Defaults explained and why they don't always mean full loss 07:56 Why high yield is called the “equity of fixed income” 14:38 Comparing high yield to dividend stocks and other income strategies 19:55 High yield vs. private credit and key differences investors should know   For a full transcript in English and French, please visit the TD Asset Management Podcast page: https://www.td.com/ca/en/asset-management/insights/podcast Email any questions or ideas for future episodes to: td.tdamtalks@td.comPlease follow "TD Asset Management" on LinkedIn: https://ca.linkedin.com/showcase/tdassetmanagement/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Last August  President Trump signed an executive order directing the Secretary of Labor to, among other things, “reexamine the Department of Labor's guidance on a fiduciary's duties regarding alternative asset investments in ERISA-governed 401(k) and other defined-contribution plans” – a stance widely seen as encouraging the consideration of alternative assets in defined contribution plans, including401(k)s and 403(b)s.Then on March 30, the Labor Department issued a proposedregulation in response to that directive, titled “Fiduciary Duties In Selecting Designated Investment Alternatives.”  However, while it acknowledged that while the executiveorder “focused on fiduciary responsibilities for offering an asset allocation fund that includes investments in alternative assets, the proposed regulation would apply to the selection of any type of investment as a designated investment alternative, including investments in so-called “alternative assets.”That said, the comment period closed with more than 47,000comments!In this episode, Nevin and Fred consider the…alternatives…and the future of the proposal.Episode Resources:Regulations.gov(the comments)DOL Archives - Fred ReishSeason 6 Episode 4: The Investment Selection Proposal | Nevin & Fred % %Talking Points: Retirement Income, Defaults and Fiduciary DutySpecial Edition: Fiduciary Duties In Selecting Designated Investment Alternatives Proposed Rule  https://endeavor- retirement.activehosted.com/index.php?action=social&chash=f770b62bc8f42a0b66751fe636fc6eb0.467&s=f1b8e69fc34995b9d807df36b7a3c6f3AGs, Congressional Democrats Say DOL Proposal Weakens Prudence StandardEBSA's Aronowitz Outlines Fiduciary Framework for ‘Investment Selection Rule'How Many Times Does the DOL Proposed Rule Mention ‘Litigation?'Fiduciary Duties in Selecting Designated Investment Alternatives (the “Investment Selection Rule”)Breaking News: Trump Signs EO to Advance Private Market Investments in 401(k)s

No S not quite doing the trick? Intelligent dietary defaults are a safe way to layer a little more on top — without piling on extra rules and risking the habits you've already built. They make convenience your friend instead of your enemy. A revisit of one of my oldest systems, with eight battle-tested examples.

In this episode of The Wrap, Chris Whalen reveals bank incomes are up but the real story is the trading side of the house driving earnings, not lending, as deposits grow faster than assets forcing banks into trading operations. He warns private credit default rates have hit a record 6%, nearly 10 times worse than bank default rates, signaling the end of the credit cycle as non-banks now lead lending. Whalen predicts double-digit inflation remains likely, expects QE5 to come despite Warsh's denials since the Fed balance sheet must grow proportionally with federal debt, and argues Fed policy is losing efficacy against external war-driven inflation that raising rates won't fix. He discusses massive housing consolidation and M&A deals coming as mortgage lenders face crushing higher rates, details how private equity is rolling up every service provider imaginable (plumbers, electricians, dentists, oncologists) and "screwing them up terribly," warns TIPS aren't reflecting true inflation, and predicts major housing lender mergers between now and year end. Whalen maintains his thesis that the Fed doesn't control long-term rates and that shrinking the balance sheet would be more effective than raising the Fed funds rate, argues the AI momentum trade is crowded and silly, and expects no action from the Fed in June but potential rate hike language removal from statements. Thank you to our partners at Goldco. Get your free 2026 Gold & Silver Kit at https://goldco.com/thewrap or call 855-573-0817Links:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  The Wrap: https://www.theinstitutionalriskanalyst.com/post/theira847Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    Use the code TheWrap2026 for 25% off your first year of The Institutional Risk Analyst https://www.theinstitutionalriskanalyst.com/plans-pricingTimestamps:0:00 Introduction - Bank Income Up, Stocks Sideways01:00 Banks recap5:06 Private credit default rate record 6% - 10x worse than banks6:14 Who's most exposed to private credit losses?7:36 Reversal in low rate environment impact9:39 Kevin Warsh and Fed balance sheet strategy10:01 Double-digit inflation still likely?10:40 What were worst impacts of QE?11:00 Housing was the headline impact of QE12:43 Fed housing subsidy went outside their mandate12:51 Fed is progressive institution out of control13:49 We may be closer to QE5 than Bessent knows15:05 Fed balance sheet must grow with federal debt16:04 New leadership - what about Fed funds rate?16:18 Potential for cut or hike?18:06 Base case still stagflation?20:12 Private equity excess cash looking for yield22:10 Politics of housing affordability daunting23:35 Viewer questions - TIPS24:26 Municipal bond default risk 26:24 Why higher inflation won't drive down gold28:42 AI craziness - momentum market29:31 Trump wanted cuts but prospects disappearing29:54 June FOMC - don't expect action31:20 Fed balance sheet more important than Fed funds rate33:11 Next week - bank report Monday

In this episode of Swiss Money Secrets, Jess Roberson, Jamie Vrijhof and Urs Droese explore one of the most pressing questions in global finance: will the US default on its debt and has it already done so in the past?The conversation begins with a look at Switzerland's position as the world leader in AI research per capita, before diving into the main topic. Jess Roberson, Jamie Vrijhof and Urs Droese walk through the historical moments that reshaped the US monetary system: the 1933 gold revaluation under FDR, the 1971 Nixon shock and the end of Bretton Woods, and the 1979 gold revaluation, examining whether each represented a quiet form of default through monetary manipulation rather than an outright failure to pay.From there the discussion moves to today: the US debt is growing at an unsustainable pace, foreign holders are dropping treasury bills, and one in every five government dollars is now spent on interest payments alone. The team explores the possible paths forward, including a return to the gold standard, the rise of stablecoins backed by treasury bills, and what a shift to a multipolar reserve currency world could look like.The episode closes with a practical message for American investors: regardless of how the monetary system evolves, diversification and currency consideration are essential tools for protecting purchasing power across generations.Contact WHVPWebsite: https://whvp.ch/Email: info@whvp.chTelephone: +41 44 315 77 77Schedule a Meeting: https://whvp.ch/get-startedAbout WHVPWHVP is not just another asset manager. We are an independent firm specializing in managing the funds of private clients. Registered with the SEC in the U.S. and located in Zurich, Switzerland, we are associated with several first-class private banks in Switzerland and Liechtenstein, which serve as custodian banks for our clients' accounts. Our asset management principles are rooted in conservative, long-term-oriented capital preservation strategies. We prioritize personalized service, crafting portfolios that are shielded against U.S. Dollar depreciation while leveraging overseas investment opportunities.Disclaimer: All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.

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Most people think they need more discipline. They don't. They need better defaults. In this solo episode, Taylor breaks down why discipline is unreliable under pressure and why your real performance is determined by what you do when you're tired, stressed, and overwhelmed. The truth is, you don't rise to your goals… you fall to your defaults. Taylor walks you through how to identify where your current defaults are holding you back, and how to rebuild them so you can stay consistent in your training, your business, and your life, especially when things aren't perfect. Because the version of you on your hardest days? That's the one that determines your results. To get the support your health and fitness business deserves, click the link to find out how you can be a part of the Growth Circle community. https://www.impactinitiative.network/services/growth-circle Free weekly guidance, insight, and tools for health and fitness entrepreneurs: The Business of Coaching - https://taylor75.substack.com/  

In this episode, we discuss how equity and credit investors are reassessing BDC valuations differently – and why high yield defaults continue to play out primarily through distressed exchanges. The discussion and content provided within this podcast is intended for informational purposes only and may not be appropriate for all investors. Reliance upon information provided in a podcast is at the sole responsibility of the listener. The information included herein is not based on any particularized financial situation, or need, and is not intended to be, and should not be construed as, a forecast, research, investment advice or a recommendation for any specific PIMCO or other security, strategy, product or service. Past performance is not a guarantee of future results. All investments contain risk and may lose value. Investors should speak to their financial advisors regarding the investment mix that may be right for them based on their financial situation and investment objective. Podcasts may involve discussions with non-PIMCO personnel and such content contain the current opinions of the speaker but not necessarily those of PIMCO. Other podcasts may consist of audio recording of an existing PIMCO article and such material contains the current opinions of the manager. The opinions expressed in all podcasts are subject to change without notice. Information contained herein has been obtained from sources believed to be reliable, but not guaranteed. PIMCO as a general matter provides services to qualified institutions, financial intermediaries and institutional investors. This is not an offer to any person in any jurisdiction where unlawful or unauthorized. For additional important information go to www.pimco.com/gbl/en/general/legal-pages/podcast-disclosures

Dr. Michael Greger — physician, bestselling author of How Not to Die, and founder of NutritionFacts.org — joins the Plantwise Book Club crew for a live fireside chat focused on how he reads and writes.  In this conversation, we ask Dr. Greger how his team tracks thousands of new studies every day using PubMed alerts, a team of 100+ volunteers, and an increasing use of AI.  He shares how he actively seeks out evidence that challenges his own positions — and the times he's had to reverse course (including a heartbreaking breakup with his favorite fruit). We also cover:

Fear is one of the most natural human responses to uncertainty. When our plans fall apart, the instinct to worry, panic, or imagine the worst can take over almost instantly.But what if the way we respond to those moments is not automatic? What if it's actually a choice?A recent experience reminded me of this truth in a very real way. When unexpected travel disruptions left me stranded in another country, I was faced with a decision many of us encounter in difficult situations: would I respond with fear, or with faith?Scripture has long taught that faith can bring peace even in uncertain circumstances. And now, modern neuroscience shows something similar.When we intentionally choose trust, prayer, and reflection, it can calm the brain's fear response and help us regulate the stress and anxiety that uncertainty often triggers.How does faith help calm the mind and body in moments of uncertainty?In this episode, I share how choosing faith over fear can transform the way we respond to challenges, and why this daily choice can strengthen resilience in the face of life's unpredictable moments.Things You'll Learn In This Episode Fear is the default responseThe brain is wired to detect threats and activate a rapid stress response. Why can this survival mechanism leave us stuck in cycles of anxiety when we face uncertainty today?What happens when fear takes overWhen the brain's alarm system dominates, it can suppress the part of the brain responsible for reasoning and emotional regulation. How does this “amygdala hijack” shape the way we react to stressful situations?Faith can calm the mind and bodySpiritual practices such as prayer and reflection can help regulate the brain's stress response. How do faith and neuroscience point to similar pathways for building resilience?About Your HostHosted by Dr. Deepa Grandon, MD, MBA, a triple board-certified physician with over 23 years of experience working as a Physician Consultant for influential organizations worldwide. Dr. Grandon is the founder of Transformational Life Consulting (TLC) and an outspoken faith-based leader in evidence-based lifestyle medicine.Disclaimer ​​TLC is presenting this podcast solely for information sharing. It is not medical advice or intended to replace the judgment of a licensed physician. TLC is not responsible for any claims related to procedures, professionals, products, or methods discussed in the podcast, and it does not approve or endorse any products, professionals, services, or methods referenced.Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm, so our show reaches more people. Thank you!

Industrial Tenant Defaults Rising: Small-Space "Midnight Moves" and Growing Sublease Supply On the Industrial Advisors podcast, Bill Condon and Matt McGregor discuss a recent rise in tenant defaults over the past six months, especially in smaller industrial spaces, drawing parallels to the post-2008 era when small tenants drove vacancy spikes (flex vacancy rising to 22% from 4%). They attribute today's defaults to COVID-era leasing decisions, tenants taking more space at higher rents amid inflated sales, and supply-chain constraints - followed by economic softening and supply-chain correction. They cite recent examples of a 16,000-square-foot "midnight move," a 20,000-square-foot business failure, late-rent letters, and even a 110,000-square-foot issue. Sublease inventory has grown from about 400,000 square feet in late 2022 to over 7 million, increasing default risk. They advise landlords to monitor rent closely, communicate early, and consider payment plans, while tenants should be transparent and engage landlords before arrears accumulate. 0:00 Introduction to Tenant Defaults 0:42 Historical Trends and the 2008 Comparison 1:25 Why COVID-Era Leases are Failing Now 2:15 Recent Examples of Midnight Moves and Defaults 3:10 The Massive Surge in Sublease Inventory 4:00 Advice for Landlords and Tenants

Interview recorded - 30th of March, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming back Danielle DiMartino Booth. Danielle is the CEO & Chief Strategist for QI Research. She is the author of Fed Up and a global thought leader in monetary policy, economics and finance with 9 years experience at the Federal Reserve Bank of Dallas.During our conversation we spoke about the current issues in the economy, energy crisis, how businesses can't catch a break with tariffs, energy costs and higher rates, FED reaction, liquidity shift, Private Credit and impact on markets. I hope you enjoy!0:00 - Introduction2:46 - Overview of economy4:49 - Comparing to prior energy crisis?6:29 - Where is the leverage?7:15 - Companies struggling8:56 - Unemployment11:26 - FED reaction14:53- What should FED do?18:13 - Kevin Warsh nomination19:26 - Liquidity shift22:15 - Private Credit Concerns25:20 - Impact on markets27:06 - One message to takeaway?DiMartino Booth set out to launch a #ResearchRevolution, redefining how market intelligence is conceived and delivered to guide portfolio managers and promote financial literacy. To build QI, she brought together a core team of investing veterans to analyze the trends and provide critical analysis on what is driving the markets – both in the United States and globally.Since their inception in 2015, commentary and data from DiMartino Booth's The Daily Feather and The Weekly Quill have appeared in other financial sources such as Bloomberg, CNBC, Fox Business, Institutional Investor, Yahoo Finance, The Wall Street Journal, MarketWatch, Seeking Alpha, TD Ameritrade, TheStreet.com, and more.A global thought leader in monetary policy, economics, and finance, DiMartino Booth founded QI Research in 2015. She is the author of FED UP: An Insider's Take on Why the Federal Reserve is Bad for America (Portfolio, Feb 2017), a business speaker, and a commentator frequently featured on CNBC, Bloomberg, Fox News, Fox Business News, BNN Bloomberg, Yahoo Finance and other major media outlets.Prior to QI Research, DiMartino Booth spent nine years at the Federal Reserve Bank of Dallas. She served as Advisor to President Richard W. Fisher throughout the financial crisis until his retirement in March 2015. Her work at the Fed focused on financial stability and the efficacy of unconventional monetary policy.DiMartino Booth began her career in New York at Credit Suisse and Donaldson, Lufkin & Jenrette where she worked in the fixed-income, public equity, and private equity markets. DiMartino Booth earned her BBA as a College of Business Scholar at the University of Texas at San Antonio. She holds an MBA in Finance and International Business from the University of Texas at Austin and an MS in Journalism from Columbia University.Danielle DiMartino Booth - Website - https://quillintelligence.com/Twitter - https://twitter.com/DiMartinoBoothYouTube - @DanielleDiMartinoBoothQI WTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

The episode identifies risk allocation and governance gaps in managed service provider (MSP) contracts as the prevailing structural challenge driven by the rapid deployment of AI solutions and evolving vendor models. This shift is characterized by increased pressure from both upstream vendors—including Microsoft, Anthropic, and OpenAI—and end clients, who demand swift adoption of AI-enabled productivity features without corresponding updates to underlying agreements or clarity on responsibility. These market developments have introduced new liability exposures for MSPs, as legacy contract language is ill-suited for environments where MSPs rely on, or are required to implement, external or agentic technologies. The discussion details how aggressive marketing and client demand for AI solutions outpace both technical maturity and customer readiness for governance. According to Speaker B, this urgency often pressures MSPs to deploy AI features—such as automated recommendations for firewall settings or configuration changes—without comprehensive risk disclosure or client policy alignment. The transcript notes a pattern in which clients insist on operational changes based on AI system outputs, even when technical staff advise caution, resulting in disputes over responsibility when these interventions lead to adverse outcomes. The episode further highlights operational risk endemic to the shift toward consumption-based pricing and increasing default configurations set by upstream vendors. For instance, Microsoft's move toward extended service term (EST) pricing and other consumption models are cited as drivers that transfer variable cost risk directly to MSP clients. The lack of customer engagement in quarterly business reviews and misalignment in expectations around true-up processes were presented as reinforcing issues, potentially leaving service providers solely accountable for the financial and operational impact of unexpected platform behavior or AI incidents. For MSP operators, the immediate operational implications include the necessity for explicit contract revisions, detailed service descriptions, and targeted AI-specific policies referenced at the quoting and onboarding stages. Providers are advised to distinguish clearly between services, tools, and outcomes within agreements and establish client buy-in through formal documentation and regular communication. Without disciplined governance procedures, written allocation of AI-related risks, and enforced business reviews, MSPs face elevated exposure to liability inherited from vendor defaults and unaddressed gaps in legacy contract frameworks. Supported by: RythmzABC Solutions, LLC

Most people think they're overwhelmed because they're busy. In reality, they're overwhelmed because they're deciding too much. Every small choice - what to eat, when to work out, how to start the day, when to stop - pulls from the same mental pool. When those decisions are made from scratch every day, it creates friction that builds. In this episode, I break down what I call “defaults” and why they function as infrastructure in your life. We get into default meals, default routines, work blocks, Sunday resets, and how to reduce decision fatigue without becoming rigid. If you're tired of relying on motivation and still feeling scattered, this is the shift.Subscribe to Beyond Your Budget:https://breakyourbudget.substack.com/Personal Finance Starter Kit: https://breakyourbudget.substack.com/p/your-personal-finance-starter-kitBREAK YOUR BUDGET RESOURCES:

Wanna work with us? Schedule a call here: https://go.oncehub.com/bookacall As a private lender, how do you determine the right loan amount for a deal? The answer isn't what you think… it's found in your defaults. In this episode of the Private Lenders Podcast, Jason Balin and Chris Haddon of Hard Money Bankers break down one of the most overlooked—but critical—lessons in private lending: your performing loans don't tell the full story… your defaults do. If you're a hard money lender, private lender, or real estate investor, this episode dives deep into how to properly evaluate loan-to-value (LTV), manage risk, and structure deals that protect your capital—especially when things go wrong. What you'll learn in this episode: Why defaulted loans are the true indicator of proper loan amounts How to analyze deals based on worst-case scenarios—not best-case outcomes The risks of high leverage (100% financing, inflated ARVs, and aggressive LTVs) Why even "good deals" can still default—and how to protect yourself How borrower behavior impacts defaults (and what you can and can't control) The importance of equity cushion and conservative lending strategies Real-world examples of defaults, foreclosures, and loan recovery outcomes Whether you're new to private lending or scaling a large portfolio, understanding how to structure loans based on downside protection—not just deal flow—is essential for long-term success.

One of the most common questions in self-defense is simple:“How long does it take to get good?”In this episode, John and Josh break down what “good” actually means in real-world self-defense — and why the answer has less to do with belts or techniques and more to do with consistency, stress exposure, and time.You can learn information in a weekend.You cannot build reliable habits under pressure that fast.Real self-defense requires:Pattern recognitionEmotional regulationStress adaptationProportional decision-makingPhysical execution under pressureThose defaults take time.John explains why:The first 90 days build awareness and basic movementAround one year of consistent training builds reliable competenceWeekend seminars introduce ideas — they do not create default behaviorConsistency beats intensityIdentity matters: becoming someone who trains changes everythingSelf-defense is not downloadable.It is built.Train more. Suck less.Key Learning Highlights1️⃣ Define “Good” Before You Define the TimelineGood does not mean:Knowing techniquesWinning sparring roundsFeeling confidentGood means:Recognizing threats earlyManaging adrenalineMaking lawful, proportional decisionsPerforming under stress2️⃣ The First 3 Months: FoundationWith consistent training:Movements improveAwareness increasesInitial confidence buildsBasic responses become familiarBut knowing is not doing.3️⃣ Around One Year: Reliable CompetenceAfter a year of consistent training (2–3 times per week):Reactions become more naturalStress exposure increasesDecision-making improvesConditioning supports performanceEgo decreasesThis is not mastery — but it is reliability.4️⃣ Why Weekend Seminars Don't WorkYou cannot compress:Pattern recognitionEmotional regulationMuscle memoryStress adaptationInto a weekend.Seminars introduce ideas.Training builds defaults.Under stress, you default.Defaults take time.5️⃣ Consistency Over IntensityTraining 2–3 times per week consistently is far more effective than:Sporadic five-day burstsOne-time seminars“I trained 20 years ago”Skill decays quickly without repetition.6️⃣ The Identity ShiftEventually, self-defense becomes part of who you are:“I train.”“I'm a protector.”“I take responsibility for my safety.”At that point, it stops being a goal and becomes a discipline.Who This Episode Is ForAdults starting self-defense later in lifeParents who want to feel saferResponsible firearm ownersGym members wondering about progress timelinesAnyone asking, “How fast can I feel safe?”Listen & SubscribeSpotify:https://open.spotify.com/show/6hDh7OscpVMKLLY8rCvgqsApple Podcasts:https://podcasts.apple.com/us/podcast/the-john-hallett-podcast/id1651930801Universal Link:https://redcircle.com/shows/a982e1e3-972c-4e9f-b369-6b29534df441YouTube Playlist:https://www.youtube.com/playlist?list=PLIJr7pPF9el8qfN4mG9p8BxtuPKOpSBVn

Today's Post - https://bahnsen.co/47xUXzF David Bahnsen hosts this week's Dividend Cafe, briefly noting ongoing Iran-related market volatility but avoiding a third straight week of geopolitical speculation, criticizing market pundits for pseudo-military commentary. He instead addresses private credit, arguing mainstream narratives wrongly conflate liquidity/redemption features with claims of current, broad credit distress. He says reported loan issues are being overstated, noting a $600 million sale from a multi-billion-dollar portfolio cleared at 99.7% of par, and that future defaults—if they rise—won't be monolithic and require manager-, collateral-, and portfolio-level nuance. He outlines five points: avoid simplistic AI/software assumptions; recent loan sales were near par; losses fall on investors, not banks, making risk non-systemic; a washout of weak managers can strengthen capital allocation; and investors should distinguish good vs bad and aligned vs non-aligned managers. He adds software loan yields rose while total loan yields are lower than a year to 18 months ago. 00:00 Welcome and Market Volatility 00:42 Why Not Iran Again 02:51 Private Credit Enters Spotlight 03:25 Defaults vs Liquidity Confusion 04:57 What the Facts Show 06:11 AI Software Loan Hype 07:06 Five Key Takeaways 08:56 Systemic Risk Myth 10:20 Alignment Matters Most 11:28 Chatter vs Reality 12:37 Chart and Final Thoughts Links mentioned in this episode: DividendCafe.com TheBahnsenGroup.com

Stephen Grootes speaks to Jaco van Jaarsveldt, Chief of Strategy and Innovation at Experian Africa, about shifting consumer credit behaviour in South Africa, as new data shows households increasingly prioritising home loan repayments, with mortgage defaults improving sharply to a two-year low. While the overall default rate has declined, the data points to rising pressure beneath the surface, with retail loan defaults worsening and more consumers particularly in higher-income brackets leaning on credit cards and personal loans to manage day-to-day expenses, highlighting a more complex and strained credit environment despite signs of recovery. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 to 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

C.S. Lewis once said that our ideas about God are not "divine ideas." As much as we'd like to believe that our views of God are always biblical, we all bring assumptions and default beliefs to the table through our lived experience. Our culture, relationships, childhood hurts, and even our churches can all wrongly influence and shape our beliefs about who God is – often without us even realizing it. Rather than following  the one, true God, we end up worshiping a God shaped by our own experiences.  In this series, we'll examine some common default views of God many of us carry – often unconsciously – and ask whether they tell the whole story. We'll invite God to shatter some of these false images to make way for a clearer view. And as we do, we'll pray to be reshaped into the kinds of people who don't project our fears onto God but rather reflect God's wisdom and ways into the world.   This week, we considered how we respond once we have recognized our default pictures of God. How can we move toward God so our pictures can be re-formed and grounded in a truer, more beautiful picture of who God actually is? If you are interested in the guides we shared in the gathering, you can find them here: Breath Prayer Scripture Memorization Examen If you would like to practice a reflection on our pictures of God here is one we did in Practice Tables  If The Practice Church is your home community, please join the Core Team. If The Practice Church has been meaningful to your journey, would you consider a tax-deductible gift? You can give at https://thepracticechurch.com/give/

How do you scale a FinTech company across 5 countries while navigating global pandemics and regulatory shifts? In this episode of the BRAVE Southeast Asia Tech Podcast, Jeremy Au sits down with Kelvin Teo, Co-founder of Funding Societies | Modalku. Kelvin shares his incredible journey from being a "naive" Harvard MBA student to managing a platform that has disbursed over $5 Billion USD in SME financing. In this episode: The "First Principles" of Credit: Why traditional banking models fail SMEs and how Funding Societies rewrote the rules for Southeast Asia. The McKinsey & Harvard DNA: How elite professional training helped (and hindered) the founding of a startup. Mastering Regional Scale: The strategic logic behind expanding into Singapore, Indonesia, Malaysia, Thailand, and Vietnam. Crisis Leadership: Facing social media backlash during layoffs and the "brave" decisions required to survive the FinTech winter. M&A Strategy: Why Funding Societies acquired CardUp and the secret to integrating mindset over org structure. Whether you are a founder, a VC, or an aspiring entrepreneur in the SEA ecosystem, Kelvin's insights on concentration risk, counterparty trust, and regional diversification are essential listening. 00:00 - Facing Joblessness at Harvard 02:02 - Introduction to Funding Societies 05:15 - Why Choose HBS Over Private Equity? 10:52 - Finding the Right Co-founder (Reynold Wijaya) 21:50 - The Regional Strategy: Singapore vs. Indonesia 31:10 - Learning from Defaults and Concentration Risk 40:35 - Acquiring CardUp & The Future of Payments 41:28 - Being Brave: Regulatory Hurdles & Layoffs Watch, listen or read the full insight at https://www.bravesea.com/blog/kelvin-teo-built-sme-fintech-empire-funding-societies Get transcripts, startup resources & community discussions at https://www.bravesea.com WhatsApp: https://whatsapp.com/channel/0029VakR55X6BIElUEvkN02e TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea English: Spotify | YouTube | Apple Podcasts Bahasa Indonesia: Spotify | YouTube | Apple Podcasts Chinese: Spotify | YouTube | Apple Podcasts #Singapore #Indonesia #Startup #Podcast #southeastasia #techpodcast

Sara and Anna are back with another episode of Geordie Lass & Doc Sass, bringing their usual mix of humour, honesty and real talk about relationships.   The conversation begins with the collective relief of making it through January, reflections on Dry January discipline (or flexible discipline), and the feeling that the light is finally returning after the long winter months. But quickly the conversation turns to something many couples quietly experience but rarely name.   This week's Love Desk introduces the concept of relationship burnout, and it sparks a deeper conversation about the pressure modern life places on connection, communication and emotional energy.   Later in the episode, Sara and Anna explore a thought-provoking question: if your relationship had a warning label, what would it say? It's a surprisingly powerful way to reflect on the patterns we bring into relationships and how those patterns shape the way we communicate, argue, and reconnect.   The episode closes with a listener question that many people will recognise — what to do when your partner says “that's just how I am” when something they do hurts you.         Love Desk: Relationship Burnout — when life gets too full for connection Sara introduces a rising trend being discussed more frequently in relationship circles: relationship burnout. Much like workplace burnout, it happens slowly and often without us realising it.   They explore how: • modern life creates constant pressure from work, family and responsibilities • the mental load leaves very little emotional capacity for relationships • couples can slowly drift into “transactional living” rather than real connection • busyness becomes a badge of honour, even when it erodes wellbeing • partners can end up sharing space but not emotional closeness • guilt and emotional exhaustion can be early signs of burnout   They also discuss how many couples postpone addressing relationship issues because life feels too busy — only to discover later that the connection has quietly faded. A key reminder from this conversation: being busy together is not the same as being connected.   Hot Topic: If your relationship had a warning label, what would it say? In this playful but insightful exercise, Sara and Anna explore the idea of relationship “warning labels”.   It's a way of looking honestly at the patterns we bring into our relationships without shame or blame.   Possible warning labels might include:   • “Avoids difficult conversations until things explode.” • “Very loving but terrible under stress.” • “Defaults to practical solutions when emotions are needed.” • “Assumes mind-reading instead of asking.” • “Forgets fun when life gets busy.”   The exercise encourages listeners to step back and reflect on their own patterns and the dynamics they co-create with their partner. Sara and Anna also explore how many relationship behaviours come from childhood experiences and family norms. What feels “normal” to one partner may feel overwhelming or unhealthy to the other.   The key insight: awareness creates the opportunity for change.   Listener Question: “My partner says ‘that's just how I am' when I raise something that hurts me.” This week's listener asks a question that highlights a very common relationship dilemma. How do you address behaviour that hurts you when your partner insists it's simply part of their personality?   Sara and Anna unpack: • why this situation often appears in anxious–avoidant relationship dynamics • the fear that can sit underneath emotional avoidance • how defensive responses can shut conversations down quickly • why “you always” and “you never” statements often make conflict worse • how changing the way we ask questions can open safer conversations • why curiosity often works better than accusation   They also highlight an important truth: it often only takes one partner to begin shifting the dynamic of communication. Small changes in how conversations are approached can create surprisingly powerful changes in how partners respond.   Reflection from this episode • Busyness can slowly erode connection if we're not paying attention • Many relationship patterns come from family experiences we've never questioned • Awareness is the first step toward changing unhealthy dynamics • The way we communicate matters as much as what we communicate • Even one partner making small changes can influence the whole relationship dynamic   There is always a way to take one small step back towards connection, even if you start on your own.   Till Next Time   Stay Connected Sara Liddle — info@inflori.co.uk | www.inflori.co.uk Anna Stratis — coachdocanna@gmail.com | www.coachdocanna.com

C.S. Lewis once said that our ideas about God are not "divine ideas." As much as we'd like to believe that our views of God are always biblical, we all bring assumptions and default beliefs to the table through our lived experience. Our culture, relationships, childhood hurts, and even our churches can all wrongly influence and shape our beliefs about who God is – often without us even realizing it. Rather than following  the one, true God, we end up worshiping a God shaped by our own experiences.  In this series, we'll examine some common default views of God many of us carry – often unconsciously – and ask whether they tell the whole story. We'll invite God to shatter some of these false images to make way for a clearer view. And as we do, we'll pray to be reshaped into the kinds of people who don't project our fears onto God but rather reflect God's wisdom and ways into the world.   This week, we explored the role of expereinces, emotions, and explanations in our default pictures of God. How do they shape meaning in our lives and impact the way we relate to God? If you would like to practice a reflection on our pictures of God here is one we did in Practice Tables  If The Practice Church is your home community, please join the Core Team. If The Practice Church has been meaningful to your journey, would you consider a tax-deductible gift? You can give at https://thepracticechurch.com/give/

C.S. Lewis once said that our ideas about God are not "divine ideas." As much as we'd like to believe that our views of God are always biblical, we all bring assumptions and default beliefs to the table through our lived experience. Our culture, relationships, childhood hurts, and even our churches can all wrongly influence and shape our beliefs about who God is – often without us even realizing it. Rather than following  the one, true God, we end up worshiping a God shaped by our own experiences.  In this series, we'll examine some common default views of God many of us carry – often unconsciously – and ask whether they tell the whole story. We'll invite God to shatter some of these false images to make way for a clearer view. And as we do, we'll pray to be reshaped into the kinds of people who don't project our fears onto God but rather reflect God's wisdom and ways into the world.   This week, we considered how our stated beliefs about God can differ from the default beliefs that drive our actions and relationship with God.  If you would like to practice a reflection on our pictures of God here is one we did in Practice Tables  If The Practice Church is your home community, please join the Core Team. If The Practice Church has been meaningful to your journey, would you consider a tax-deductible gift? You can give at https://thepracticechurch.com/give/

Software default rates could hit double digits as AI disruption spreads and loans come due, according to Bain Capital. “We’re going to see real stress,” said Angelo Rufino, the firm’s head of special situations in North America and corporate special situations in Europe. “We will see a full credit cycle as the reckoning really comes to resize capital structures to the earnings power of these business models,” he tells Bloomberg News’ James Crombie and Bloomberg Intelligence’s David Havens in this episode of the Credit Edge podcast. They also discuss investment-grade private credit, data center debt and asset-based finance, including the rise of music-royalty deals.See omnystudio.com/listener for privacy information.

SummaryIn this solo episode, Jess Webber shares a heartfelt message about the importance of managing time and defaults in coaching. Drawing from personal experiences, she emphasizes that the real issue lies not in the calendar itself but in the default settings that dictate how coaches allocate their time. Jess introduces the Beat Method, a four-step reset sequence designed to help coaches break free from unproductive patterns and focus on what truly matters. She encourages listeners to examine their defaults, implement new ones, and take actionable steps to create a more fulfilling coaching practice.TakeawaysYour calendar isn't the problem, your defaults are.Urgency is not leadership; effectiveness is key.You don't have to make space in your calendar for later.Defaults are decisions made without realizing it.Patterns can be changed; you can redefine your defaults.Client creation should be a priority in your calendar.Your email is a to-do list created for you by others.Coaching can take everything you give it if you let it.Your time isn't a productivity contest; it's your life.Install one default to start changing your habits.Chapters00:00 Introduction and Personal Context02:41 Understanding Defaults in Coaching05:33 The Beat Method: A Reset Sequence08:35 Identifying and Changing Defaults11:26 Implementing New Defaults for Success14:19 Conclusion and Call to Action

Welcome back to Louisa's January Series. After the success of the 2024 series, she wanted to return with something deeper, more practical and more psychology-led for 2026.Today the focus is on the power of defaults and how you can use this to stregthen and build habits.Louisa Evans is a psychology-based practitioner, clinical hypnotherapist and the host of the Sober Rebel podcast. She specialises in helping people change their relationship with alcohol in a grounded and realistic way, using a blend of cognitive behavioural approaches, emotional regulation, habit science and nervous system understanding. Her work focuses on grey area drinking, midlife identity shifts, and supporting people who want sobriety to feel steadier, clearer and more sustainable.For listeners who want extra support during this first month, Louisa's course Sober Resilience is available with a thirty percent discount throughout the series using the code DRYJAN26. The course includes practical tools for cravings, emotional steadiness, behavioural patterns, routines and the predictable identity wobble that often appears in early sobriety. All of Louisa's work, including her therapy practice and additional resources, can be found at www.louisaevans.com.Louisa is known for her direct, psychology-led approach and her ability to make sobriety feel accessible rather than overwhelming. Her work is centred on clarity, honesty and understanding the patterns underneath drinking, rather than relying on force or perfectionism.

In Episode 98 of The Lenders Playbook, host Matt Rosen dives into what happens when real estate deals don't go as planned—and how private lenders can protect themselves before problems arise.Our guest today is by Brock Berglund, a specialist in commercial foreclosures and loan workouts, we break down real-world scenarios, common lender misunderstandings, and practical strategies to avoid costly mistakes when deals go sideways.This episode is brought to you by Temple View Capital Funding, LP, a national private money lender offering flexible, common-sense financing for non-owner-occupied residential investment properties—helping investors close faster and scale smarter nationwide.American Lending ConferenceNational Private Lending EventMarch 10-11, 2026Las Vegas, Green Valley Ranchhttps://www.americanlendingconference.com/

John Azar breaks down today's capital markets, why deals are failing, and how to raise money, communicate with investors, and scale a commercial real estate fund.In this episode of RealDealChat, Jack Hoss sits down with John Azar, founder of Peak 15 Capital, to discuss the real state of capital markets, the rise of distressed commercial assets, and what operators must do to survive today's environment.John shares his origin story—from structured finance at Morgan Stanley to launching multiple companies, navigating the 2008 crisis, and ultimately raising and managing large funds. He explains the differences between today's market and 2008, why liquidity isn't the problem this time, and why underwriting is causing widespread defaults across multifamily and commercial assets.John also breaks down how to start raising capital, the difference between syndications and funds, where he's seeing the best opportunities (including flex industrial and ground-up development), and why transparent communication is the #1 rule of investor relations.He also covers how he uses AI and automation to save time while still keeping the personal touch required in private equity.What You'll LearnWhy defaults are rising in CRE (and why it's NOT the properties)The biggest difference between 2008 and todayHow to start raising money the right waySyndication vs. fund structures—and when to use eachWhy flex industrial and development deals are trendingHow to spot distressed opportunities in today's marketHow to scale from being the operator to being a fund managerThe crucial role of communication in investor trustHow AI tools save time but can't replace relationshipsWhat Peak 15 Capital is investing in next

- Book Generator Progress and Updates (0:11) - Interviews and Documentaries (3:42) - Financial Markets and Geopolitical Updates (5:44) - European Economic Collapse and Refugee Crisis (14:27) - Trump's Role and AI Job Replacement (23:13) - Patrick Byrne's Interview and Political Insights (52:40) - AI and Economic Implications (1:06:39) - Government's Role and Technological Advancements (1:18:43) - Philosophical Foundations of Government (1:20:23) - Technological Advancements and Government's Role (1:24:33) - Google's Role in Censorship and Surveillance (1:25:06) - The Rise of AI and Its Implications (1:42:26) - The Role of AI in Survival and Independence (1:42:42) - The Philosophical Implications of AI (2:14:45) - The Role of AI in Medicine (2:15:46) - The Ethical Implications of AI (2:25:35) - The Future of AI and Humanity (2:29:15) - Demonic Energy and AI Control (2:29:54) - Sexual Perversion and Robotics (2:33:39) - Consciousness vs. Cognition (2:37:29) - Morphic Resonance and Human Knowledge (2:46:09) - Healing and Morphic Fields (2:49:05) - Decentralized Knowledge and AI Tools (2:54:48) For more updates, visit: http://www.brighteon.com/channel/hrreport  NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

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Just how bad can things get if someone clicks on a link? Rob Allen joins us again to talk about ransomware, why putting too much attention on clicking links misses the larger picture of effective defenses, and what orgs can do to prepare for an influx of holiday-infused ransomware targeting. Segment resources https://www.bleepingcomputer.com/news/security/how-a-ransomware-gang-encrypted-nevada-governments-systems/ https://www.darkreading.com/endpoint-security/pro-russian-hackers-linux-vms-hide-windows https://www.threatlocker.com/blog/how-to-build-a-robust-lights-out-checklist This segment is sponsored by ThreatLocker. Visit https://securityweekly.com/threatlocker to learn more about them! Visit https://www.securityweekly.com/asw for all the latest episodes! Show Notes: https://securityweekly.com/asw-356

For more updates, visit: http://www.brighteon.com/channel/hrreport  NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

In this episode, Scott Becker explores the sharp increase in auto loan delinquencies as car prices soar and incomes stagnate.