Podcasts about defaults

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In this episode of The Brainy Business podcast, Melina Palmer revisits the powerful concept of defaults and how they can significantly influence decision-making. This refreshed episode explores the psychology behind nudges and the importance of understanding how default settings can shape consumer behavior in various industries. Melina explains the two types of defaults: true defaults, which occur when no action is taken, and implied defaults, which can be strategically framed to guide choices. Through engaging examples, such as air conditioning purchases and subscription services, listeners will discover how small adjustments to defaults can lead to substantial changes in customer behavior and improve business outcomes. As Melina prepares for her upcoming conversation with Nobel Prize-winning economist Richard Thaler, she emphasizes the ethical application of nudges and the importance of aligning defaults with customer needs. This episode is packed with actionable insights for businesses looking to implement behavioral science principles effectively. In this episode: Understand the significance of defaults in behavioral economics. Explore the difference between true defaults and implied defaults. Learn how to frame choices to influence customer decisions positively. Discover practical examples of defaults in various industries. Reflect on the ethical implications of nudging in business. Get important links, top recommended books and episodes, and a full transcript at thebrainybusiness.com/542. Looking to explore applications of behavioral economics further?  Learn With Us on our website. Subscribe to Melina's Newsletter Brainy Bites.  Let's connect: Send Us a Message Follow Melina on LinkedIn The Brainy Business on Youtube The Brainy Business on Instagram

Ransomware attacks typically don't care about memory safety and dependency scanning, they often target old, unpatched vulns and too often they succeed. Rob Allen shares some of the biggest cases he's seen, what they have in common, and what appsec teams could do better to help them. Too much software still requires custom configuration to make it more secure. And too few software makers are embracing secure by default, let alone secure by design. In the news, passively monitoring geosynchronous satellite communications on the cheap, successful LLM poisoning of any size model with a single size dose, security engineering lessons from Signal's post-quantum crypto work, improving security for JavaScript in the browser, and more! This segment is sponsored by ThreatLocker. Visit https://securityweekly.com/threatlocker to learn more! Visit https://www.securityweekly.com/asw for all the latest episodes! Show Notes: https://securityweekly.com/asw-353

Ransomware attacks typically don't care about memory safety and dependency scanning, they often target old, unpatched vulns and too often they succeed. Rob Allen shares some of the biggest cases he's seen, what they have in common, and what appsec teams could do better to help them. Too much software still requires custom configuration to make it more secure. And too few software makers are embracing secure by default, let alone secure by design. In the news, passively monitoring geosynchronous satellite communications on the cheap, successful LLM poisoning of any size model with a single size dose, security engineering lessons from Signal's post-quantum crypto work, improving security for JavaScript in the browser, and more! This segment is sponsored by ThreatLocker. Visit https://securityweekly.com/threatlocker to learn more! Show Notes: https://securityweekly.com/asw-353

Ransomware attacks typically don't care about memory safety and dependency scanning, they often target old, unpatched vulns and too often they succeed. Rob Allen shares some of the biggest cases he's seen, what they have in common, and what appsec teams could do better to help them. Too much software still requires custom configuration to make it more secure. And too few software makers are embracing secure by default, let alone secure by design. In the news, passively monitoring geosynchronous satellite communications on the cheap, successful LLM poisoning of any size model with a single size dose, security engineering lessons from Signal's post-quantum crypto work, improving security for JavaScript in the browser, and more! This segment is sponsored by ThreatLocker. Visit https://securityweekly.com/threatlocker to learn more! Visit https://www.securityweekly.com/asw for all the latest episodes! Show Notes: https://securityweekly.com/asw-353

Ransomware attacks typically don't care about memory safety and dependency scanning, they often target old, unpatched vulns and too often they succeed. Rob Allen shares some of the biggest cases he's seen, what they have in common, and what appsec teams could do better to help them. Too much software still requires custom configuration to make it more secure. And too few software makers are embracing secure by default, let alone secure by design. In the news, passively monitoring geosynchronous satellite communications on the cheap, successful LLM poisoning of any size model with a single size dose, security engineering lessons from Signal's post-quantum crypto work, improving security for JavaScript in the browser, and more! This segment is sponsored by ThreatLocker. Visit https://securityweekly.com/threatlocker to learn more! Show Notes: https://securityweekly.com/asw-353

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

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

CEO of the Ghana Association of Banks, John Awuah, says banks have begun engaging the Ministry of Foreign Affairs to deal with cases of loan defaults.

Are you stuck running relationship patterns you never consciously chose? In this episode of Nope! We're Not Monogamous, I'm breaking down how to identify the default “rules” you inherited about love, sex, and partnership, and how to rewrite them so your relationships actually work for YOU.So many of us grew up believing myths like:“If you're really in love, you won't be attracted to anyone else.”“To be a good partner, you have to want everything your partner wants.”“Jealousy means love.”The problem? These defaults often create shame, confusion, and conflict in non-monogamous and polyamorous relationships.In this episode, you'll learn the 5 steps to rewriting your relationship code so you can experience real freedom:Identify the beliefs you inherited.Question what's actually true for YOU.Create new agreements with intention.Practice new habits until they stick.Celebrate every time you choose yourself.By the end, you'll see how rewriting your defaults allows you to show up with more confidence, clarity, and joy in every connection.What you'll take away from this episode:Why inherited relationship beliefs hold us back in non-monogamy.The surprising truths about love, attraction, and jealousy.Practical tools to create new agreements with your partners.How gratitude and celebration make new patterns stick.Why freedom is a daily practice, not a one-time decision.Send us a textSupport the show

[Housing Wire] How one company is helping prevent HECM foreclosures, saving time, money, and preserving the home's value. [Yahoo Finance] American Senior Lending launches a new first-position home equity loan. [Newsweek] Here are the markets where home values are falling. Watch our video podcast here!

'We have set some very big ambitions, and we have to be able to fund that given the growth of the balance sheet' – CEO Hylton Kallner.

Mortgage delinquencies in Canada are making headlines, with reports saying they're “up 30%.” But what does that really mean?Defaults have risen, but that's still below Canada's historical “normal” range. Even during the 1980s peak, it wasn't that bad. By comparison, the U.S. sits much higher.The truth? The rise looks dramatic in percentages, but the actual risk level is still very low. Context matters more than the headline.Stay informed, not alarmed.Watch this podcast on YouTube: https://youtu.be/IgB2HrLgxlISchedule a 15-minute appointment to chat with me here: https://www.broadviewavenue.ca/appointmentsDownload our guides here:How to Ask Your Parents For Help: https://www.broadviewavenue.ca/family-support-for-fthbThe Toronto Professional's Guide to Real Estate Investing: https://www.broadviewavenue.ca/guide-download▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Subscribe now to keep updated for more information.If you want to chat with us, do the following:1. Send an email at ken+youtube@broadviewavenue.ca; or2. Send a direct message on my Instagram account below; or3. Book an appointment for a 15-minute video chat using the link on our website.If you're not ready to reach out and just want to follow for more, find us online:YouTube: https://www.youtube.com/kennethyimhomes?sub_confirmation=1Instagram: https://www.instagram.com/kennethyimhomesTikTok: https://www.tiktok.com/@kennethyimhomesLinkedIn: https://www.linkedin.com/in/kennethyimhomesFacebook: https://www.facebook.com/BroadviewAvenueWeb: http://www.broadviewavenue.ca▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬

We think fitness is about the body. But in truth, it begins in the story we tell ourselves. In this conversation with Jake Parker, we explore fitness not as a battle of discipline, but as a shifting of identity. Humans evolved in a world of scarcity where every calorie mattered. Now, in a world of abundance, that same wiring works against us. The magic, Jake suggests, is in designing new defaults. Defaults where exercise becomes an act of self-kindness, food choices become votes for the person you want to be, and consistency becomes less a grind and more a groove. Fitness then stops being a task and starts becoming a story of who you are becoming. Three Takeaways: The differences between female and male beliefs around exercise How environments shape habits more than willpower does The top 3 mistakes people make when getting fit TRY BEYOND FITNESS FOR FREE Online fitness coaching from anywhere in the world. One month trial - ⁠https://beyondfitnesstraining.coach/fitness-strategy-call-podcast⁠ --- COMPETITION - 2 months of free coaching Get mindset or business coaching from Sam. Enter the draw by simple subscribing to the new show and sending him an email growthmindsetpocast (@) gmail.com NEW SHOW - How to Change the World: The History & Future of Innovation Learn about the evolving story of the human species and our ideas told in chronological order. The podcast is full of fun facts, surprising stories and philosophical insights. Found on all major podcast players: Spotify - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/1Fj3eFjEoAEKF5lWQxPJyT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Apple - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/how-to-change-the-world-the-history-of-innovation/id1815282649⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@HowToChangeTheWorldPodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ RSS feed - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://feeds.acast.com/public/shows/682b3b86696b5d1232d698a8⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- UPGRADE to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠:

Steven Bavaria, author of The Income Factory, breaks down a simple stress-reduced way to target by owning credit through diversified funds, including CEFs, compounding the income and avoiding sequence risk in retirement. We cover defaults math, why discounts matter and why credit can shine when macro is messy.#spx #gold #investing ------------

In this episode of Mission Matters, Adam Torres interviews Randee Sanders, Founder & CEO of RL Sanders & Associates, LLC. Randee shares her journey with Take the Lead and the PowerUp Conference, her recognition as a Power Tool Champion, and her mission to help women design liberated futures through her “Design Not Default Academy.” This episode is sponsored by ⁠⁠Take The Lead Women. ⁠⁠Register ⁠⁠here⁠⁠ to join the Take The Lead Women Conference. Follow Adam on Instagram at ⁠⁠https://www.instagram.com/askadamtorres/⁠⁠ for up to date information on book releases and tour schedule. Apply to be a guest on our podcast: ⁠⁠https://missionmatters.lpages.co/podcastguest/⁠⁠ Visit our website: ⁠⁠https://missionmatters.com/⁠⁠ More FREE content from Mission Matters here: ⁠⁠https://linktr.ee/missionmattersmedia Learn more about your ad choices. Visit podcastchoices.com/adchoices

Let's talk about burnout—but not the emotional kind.

Do you find yourself catastrophizing before an important decision or difficult conversation? It's natural for our brains to imagine the worst-case scenario, but what if this habit is actually stopping you from reaching your potential? In this episode, we explore why your brain defaults to disaster thinking and how to rewire it to focus on success instead.   When facing uncertainty, it's easy for our brains to fixate on everything that could go wrong. But constantly focusing on failure doesn't prepare us for success—it keeps us stuck in survival mode. We're sharing how to shift your mindset to one that anticipates the best, so you can take confident action and move toward the outcomes you truly want.   Get full show notes, transcript, and more information here: https://www.ambitious-ish.com/75

Question of the Week:   What are your favourite defaults and what would be on your wish list?  We all learn something new in this episode!!

Wall Street just found a new way to gamble with your retirement. Using private credit vehicles hidden in Collective Investment Trusts (CITs), firms like Goldman Sachs and BlackRock are sneaking opaque, high-risk debt into 401(k)s. It's the 2008 playbook with a new name.Questions on Protecting Your Wealth with Gold & Silver? Schedule a Strategy Call Here ➡️ https://calendly.com/itmtrading/podcastor Call 866-349-3310

Send us a textSecurity vulnerabilities lurk in the most unexpected places – even in your home internet modem. Today we kick off with breaking news about a security flaw discovered in Cox modems that could potentially allow unauthorized access to run malicious commands on connected devices. While Cox reports fixing the issue within 24 hours, this real-world example perfectly illustrates a critical concept we explore further: how exposed APIs often become significant data exfiltration points because organizations fail to track and manage their connections properly.Diving into our CISSP Question Thursday, we tackle fifteen practice questions specifically targeting Domain 3.1.2 and 3.1.3 concepts. These questions explore fundamental security principles including encryption standards (why AES-256 trumps proprietary algorithms), access controls (how custom APIs demonstrate both abstraction and access restriction), and defense in depth strategies (protecting data across multiple states). Each question builds practical understanding of how these principles apply in real-world scenarios – from secure boot configurations that hide complexity from users to the dangers of storing all encryption keys on a single, inadequately protected server.The beauty of these practice questions lies in their practical applications. We examine how stenography conceals data within other files, how security defaults strengthen systems through pre-configuration, and how patching vulnerabilities relates to maintaining secure environments (while acknowledging that patches themselves can sometimes introduce new issues). Whether you're actively preparing for the CISSP exam or simply looking to strengthen your cybersecurity knowledge, these practice scenarios provide valuable training in identifying and addressing common security challenges. Visit cisspcybertraining.com to access this episode's questions and many more resources to support your cybersecurity journey.Gain exclusive access to 360 FREE CISSP Practice Questions delivered directly to your inbox! Sign up at FreeCISSPQuestions.com and receive 30 expertly crafted practice questions every 15 days for the next 6 months—completely free! Don't miss this valuable opportunity to strengthen your CISSP exam preparation and boost your chances of certification success. Join now and start your journey toward CISSP mastery today!

In this episode, Dr. Killeen encourages you to challenge the assumptions that may be shaping your practice. From financial models to scheduling systems, many decisions are built on default guesses that could be steering you in the wrong direction. Take a fresh look at one area of your practice today—you might uncover insights (and savings) just by asking better questions.

Send us a textThe medieval castle with its moat, high walls, and sentries provides the perfect metaphor for modern cybersecurity. Just as each defensive element served a specific purpose in protecting the castle, today's information security requires multiple layers working in concert to safeguard digital assets.Shon Gerber opens this episode with a timely discussion of the UnitedHealthcare ransomware attack, which reportedly cost $22 million and sparked controversy around the CISO's qualifications. This real-world example perfectly frames the importance of defense in depth strategies that could have prevented such a catastrophic breach.The core of defense in depth involves implementing multiple security controls that protect various aspects of information systems. Shon walks through each layer, starting with perimeter security (firewalls, IDS/IPS systems), moving to access controls and data security (encryption, DLP), and continuing through system hardening and detection mechanisms. Each layer serves two crucial purposes: stopping attackers altogether or, at minimum, slowing them down enough that they move on to easier targets.Particularly enlightening is Shon's breakdown of abstraction in security - how operating systems, networking protocols, databases, and APIs hide complexity from users while maintaining protection. This concept extends to data hiding techniques like steganography, tokenization, and encryption that conceal sensitive information from prying eyes.The episode concludes with an examination of secure defaults - the principle that systems should ship with security enabled rather than requiring manual configuration. Shon provides practical guidance on implementing secure defaults and overcoming common challenges like vendor limitations and legacy systems.Whether you're studying for the CISSP exam or looking to strengthen your organization's security posture, this episode delivers actionable insights on building robust, multi-layered defense strategies that balance protection with usability. Visit CISSP Cyber Training for additional resources, including practice questions and comprehensive study materials.Gain exclusive access to 360 FREE CISSP Practice Questions delivered directly to your inbox! Sign up at FreeCISSPQuestions.com and receive 30 expertly crafted practice questions every 15 days for the next 6 months—completely free! Don't miss this valuable opportunity to strengthen your CISSP exam preparation and boost your chances of certification success. Join now and start your journey toward CISSP mastery today!

The author of "Rigged: Exposing the Largest Financial Fraud in History", Stuart Englert joins us. Stuart goes over the numerous times the U.S. has defaulted on its obligations and it is going to happen again. Why is it going to happen again? How is it going to happen again? You'll want to hear this former journalist and now author has to say from an unbiased point of view. Any and all views, opinions, expressed here are not reflective or endorsed by Silver Bullion Pte Ltd.

Leon Musolff, Wharton Assistant Professor of Business Economics and Public Policy, discusses findings from a recent field experiment showing how default search engine settings significantly influence user choice, highlighting the implications for antitrust policy and competition between Google and Bing. Hosted on Acast. See acast.com/privacy for more information.

Mid-year always feels like it should be a breather... but somehow, it's not. If you're feeling foggy, stretched thin, or stuck in reactive mode right now—you are not alone. This episode is all about decision fatigue, that sneaky mental exhaustion that piles up without us noticing. I'm breaking down why this happens (especially mid-year) and sharing three simple, practical strategies nonprofit leaders can use to lighten the load. These are tools I use with my coaching clients—and myself—to protect clarity, energy, and focus for the second half of the year.

Jake and Michael discuss all the latest Laravel releases, tutorials, and happenings in the community.Show linksEncrypt and Decrypt String Helpers in Laravel 12.18 Laravel Nightwatch - Deep monitoring & insights, no matter where you deploy. Nightwatch AMA with Jess ArcherFilament v4 Beta - Feature Overview Better defaults for your Laravel applications with Essentials Manage Taxonomies, Categories, and Tags in Laravel AnyCable Laravel Broadcaster Laravel OpenRouter Fathom Analytics Events for Laravel Livewire GuacPanel Laravel Audit Log TutorialsLaravel Migration With Schema Validation in MongoDBRepeat Strings Efficiently with Laravel's Str::repeat MethodExtract Arrays from Any Data Type with Laravel's Arr::from MethodParse Localized Numbers with Laravel's Number ClassTest Job Failures Precisely with Laravel's assertFailedWith MethodEnable Flexible Pattern Matching with Laravel's Case-Insensitive Str::is MethodReplace String Prefixes Precisely with Laravel's replaceStart MethodRemove Collection Items Directly with Laravel's forget MethodConvert Any Value to Collections with Laravel's Collection::wrap MethodConvert Special Characters to ASCII with Laravel's Str::transliterate MethodClean Up Your Code with the whenHas MethodSimplify API Responses with Fluent MethodsPerfect Pagination: Unlock UI Control with onEachSideKeep Your Place: Enhancing User Experience with Fragment Method

Most B2B marketers completely misunderstand what brand advertising is supposed to do. They conflate brand narrative with brand advertising, trying to make one execution do both jobs. This week, Elena, Angela, and Rob are joined by Matt Maynard, VP of Global Brand and Advertising at Asana. Matt shares how he went from journalism to marketing thought leadership without taking a single marketing class. He digs into the dangerous defaults B2B marketers fall into, from pipeline obsession to customer story overuse. Plus, learn why brand advertising and brand narrative are two completely different things that most companies wrongly conflate. Topics covered: [02:00] Matt's journey from journalism to self-taught marketer[08:00] Why brand marketing is having an identity crisis in B2B[13:00] Translating marketing effectiveness theory into practice[18:00] Managing product-led and sales-led growth motions[22:00] Reframing the 95-5 rule as increasing your odds[25:00] What "responsible reach" means for brand marketing[31:00] Why customer stories don't belong in brand advertising[35:00] The difference between brand narrative and brand advertising  To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter.  Resources: 2024 MarketingWeek Article: https://www.marketingweek.com/ritson-applicable-b2b-marketing/Matt Maynard's LinkedIn: https://www.linkedin.com/in/mattmaynard/Asana: https://asana.com/ Get more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

Learn to invest alongside the top minds in commodities. Join The Commodity University today. CLICK: https://2ly.link/26yH8 Brent Johnson of Santiago Capital joins Jay to break down what most people are missing about America's global position. While headlines warn of U.S. decline, Johnson argues the real story is a relative game and the rest of the world may be worse off. From trade wars and political cycles to China's debt bomb and the future of rare earths, this conversation dives into the fractures beneath the surface of globalization. If you're looking to understand where the world is headed and who might get knocked off the road first then don't miss this one. Follow Brent on X: https://x.com/SantiagoAuFund https://santiagocapital.com/ Sign up for my free weekly newsletter at https://2ly.link/211gx Be part of our online investment community: https://cambridgehouse.com https://twitter.com/JayMartinBC https://www.instagram.com/jaymartinbc https://www.facebook.com/TheJayMartinShow https://www.linkedin.com/company/cambridge-house-international 00:00 – Intro 06:18 – Can the U.S. Realistically Restore Industry? 15:43 – Is China Better Prepared Than in 2008? 23:36 – The Role of Narrative: Who's Really Collapsing? 31:41 – Can U.S. Adversaries Retaliate at the Same Level? 37:07 – Who Owns China's Debt and Why It Matters 44:17 – Defaults and Fort Knox 51:12 – Roman Parallels and the Rise of an American Empire 56:17 – Where Capital Will Flow Next: Defensive vs. Offensive Allocation Copyright © 2025 Cambridge House International Inc. All rights reserved.

Credit markets are rallying but there’s elevated risk of some companies not repaying debt, according to the Schwab Center for Financial Research. “There’s a sense of complacency,” Collin Martin, the firm’s fixed income strategist, tells Bloomberg News’ James Crombie and Bloomberg Intelligence’s Himanshu Bakshi in the latest episode of the Credit Edge podcast. “Defaults are probably going to stay high,” says Martin, noting low interest coverage ratios among the weakest borrowers. Martin and Bakshi also discuss private credit risk, floating-rate and preferred debt opportunities, and the impact of trade wars on consumer confidence.See omnystudio.com/listener for privacy information.

Student loans are now officially back in repayment…and millions of American borrowers are becoming delinquent.The credit scores of these millions are getting rated downwards, further impairing their ability to borrow more or service the debts they already have.Could student loan defaults prove to be the fateful domino that triggers the next US credit crisis?Macro & market analyst Stephanie Pomboy shares the latest investing trends that have her attention + takes live Q&A from the viewing audienceWORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#studentloans #debtcrisis #credit __________________________________________________Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce & distribute educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featuredChris sounds the alarm on the growing chaos in the “Buy Now, Pay Later” economy, spotlighting Klarna's massive losses as a symptom of deeper financial rot. With defaults surging and Americans using BNPL for everything from Gucci to groceries, Chris breaks down why this non-recourse lending model is destined to implode—and how once the bankruptcy racket really kicks in, companies like Klarna don't stand a chance. From Swedish fintech to U.S. consumer debt, this episode exposes the fantasy economics behind delayed payments and empty wallets. www.watchdogonwallstreet.com

Sun AM

Ever had someone demand a refund out of the blue? Or had a client just… stop paying? This week on Chill & Prosper, we're diving into the messy middle of running a business—those awkward money convos we all face eventually.  I'm answering questions about refunds, payment defaults, and how to protect your boundaries without losing your mind (or your income).

✍️ What to Do If Your Spouse Refuses to Sign Divorce Paperwork? | Los Angeles Divorce

Dr. Edward Altman, creator of the Z-Score bankruptcy prediction model and Max L. Heine Professor of Finance, Emeritus at the Stern School of Business, joins Julia La Roche on episode 257 for an in-depth discussion on where we are in the credit cycle. Sponsor: This episode is brought to you by Monetary Metals. https://monetary-metals.com/julia In this episode, Ed Altman discusses the current state of the credit cycle. Dr. Altman explains that 2024 saw more Chapter 11 bankruptcy filings than any year since the Great Financial Crisis, with over 7,000 filings. He analyzes why the economy has moved from a "benign" phase to a "stress" phase in his credit cycle framework, highlighting the dichotomy between high-yield bonds and bank loans, the impact of floating-rate debt, and the growth of private credit markets. Dr. Altman also examines distressed exchanges as alternatives to bankruptcy, government debt concerns, and why credit cycles typically precede business cycles as leading economic indicators.Dr. Altman is a renowned professor and researcher for his bankruptcy prediction and credit risk analysis work. Dr. Altman earned his MBA and Ph.D. in Finance from the University of California, Los Angeles. He has been with NYU Stern School of Business since 1967. He is most famous for developing the Z-Score formula in the late 1960s. The Z-Score is a financial model that uses historical data to predict a company's likelihood of bankruptcy. This formula is widely used by investors, financial analysts, and auditors as a tool for predicting corporate defaults and an aid in credit risk management. Dr. Altman has published numerous books and articles on the topics of bankruptcy, corporate distress analysis, corporate financial restructuring, and credit risk. His work has had a significant impact on both academic finance and practical investment analysis. Links: Wiser Funding: https://www.wiserfunding.com/ Corporate Financial Distress, Restructuring and Bankruptcy Book: https://www.amazon.com/Corporate-Financial-Distress-Restructuring-Bankruptcy/dp/1119481805/NYU Stern: https://www.stern.nyu.edu/faculty/bio/edward-altman00:00 - Introduction to Dr. Edward Altman 01:17 - The current credit cycle and economy outlook 03:17 - Credit market dichotomy between high yield bonds and bank loans 05:43 - Floating rate vs fixed rate debt performance 09:16 - Credit cycle as a leading indicator for the business cycle 15:21 - Record high Chapter 11 bankruptcies in 2024 19:06 - Understanding distressed exchanges as a default technique 26:58 - The Z-Score: history and evolution 33:49 - Changes in corporate debt markets over the decades 36:37 - Bond rating equivalents for Z-Scores 38:32 - Comparing current conditions to the 2007 credit bubble 45:19 - Private credit market growth and impact 51:38 - Government debt concerns and interest payments 59:59 - Closing thoughts on the credit cycle and market outlook

Links & ResourcesFollow us on social media for updates: ⁠⁠Instagram⁠⁠ | ⁠⁠YouTube⁠⁠Check out our recommended tool: ⁠⁠Prop Stream⁠⁠Thank you for tuning in! If you enjoyed this episode, please rate, follow, and review our podcast. Don't forget to share it with friends who might find it valuable. Stay connected for more insights in our next episode!

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In this episode with Noemi Bolojan, we're talking about something a lot of people miss — the sneaky defaults in Amazon ads that quietly eat up your budget. You set up a campaign, trust the platform to guide you, and boom — money's leaking without you even noticing.Noemi breaks down how things like automatic bidding (yep, it goes up and down by default), broad targeting, and off-Amazon ads all kick in unless you change them. Sounds helpful, right? But in reality, those settings often work better for Amazon than they do for you.Think your product is getting shown to the right audience? Not always. Default category targeting or expanded targeting might be pushing your ads to places they don't belong — and you're paying for it. So if you're running ads in 2025, this episode is a little wake-up call. We'll see you in The PPC Den!

- Financial Markets and Gold Prices (0:00) - Economic Collapse and Financial Strategies (6:52) - Geopolitical Tensions and Military Actions (10:01) - Authoritarianism and Censorship (15:56) - European Political Landscape (26:16) - Economic Collapse and Global Implications (37:39) - Crypto and Digital Assets (1:08:44) - Market Structure and Manipulation (1:20:43) - Satoshi's Identity and Bitcoin's Origins (1:24:54) - Privacy-Focused Cryptocurrencies (1:27:51) - Institutional Interest in Cryptocurrencies (1:34:04) - Currency Path and Consumer Interface (1:37:30) - Bitcoin's Supply and Fungibility (1:42:49) - Regulatory Challenges and Self-Custody (2:02:01) - Economic Outlook and Financial Markets (2:02:15) - Technological Innovations and Privacy Coins (2:02:49) - Final Thoughts and Practical Advice (2:03:48) - Tax Reduction Strategies and Activism (2:04:00) - Financial Advice and Crypto (2:38:04) - Sponsorship and Product Promotion (2:40:31) - Practical Tips and Future Plans (2:43:22) - Music and Song Creation (2:46:11) - Closing Remarks and Future Episodes (2:49:15) 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

Over the last couple of months, I've had the opportunity to speak on communication confidence at a handful of leadership events. One of the things that has been really eye-opening for attendees is learning about the connection between their internal communication and external communication. So, I thought this would be a helpful (and fun!) topic to dig into on the pod.   Let's start with defining each of these terms. Internal communication is how you communicate with yourself. This includes the words and phrases you use and the tone of voice you use. When you're in a tough moment, do you speak to yourself with kindness, compassion, and respect? Or, do you have a tendency to beat yourself up and talk to yourself in a way you would never talk to someone else who is struggling? When you are on the cusp of making a big decision or going for something new and big, do you champion yourself by reminding yourself of your strengths, talents, and qualifications? Or, do you tell yourself you're probably not qualified, and you probably won't get what you want out of the situation?   External communication is how you communicate with others. When you are entering a high-stakes situation, do you show up with confidence and grace? Do you speak up, share ideas, and stand up for the people and issues that matter most to you in a way that calls people to take action and/or work beside you? Or, do you sit back, stay quiet, or run away the moment you sense anything uncomfortable, unpredictable, or challenging? Or, maybe you get defensive and aggressive when things don't go your way - perhaps taking on a my-way-or-the-highway attitude?   As you may suspect, our internal communication greatly impacts our external communication. If you don't have your internal communication dialed in, your external communication will probably be pretty poor, even harmful in high-stakes moments. Our internal communication patterns and habits are likely defaults that have been with us for years if not decades. In this episode, I talk through 5 ways to begin to shift your internal communication defaults in order to positively impact your external communication habits.   Bottom line… Your internal communication must be rock solid if you want your external communication to get you closer to your goals and dreams!  Resources: Join Aligned, my leadership incubator for values-driven women leaders: saradean.com/aligned Interested in becoming a sponsor of the Shameless Mom Academy? Email our sales team at sales@adalystmedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Americans took on an additional $74 billion in credit card debt last year, according to WalletHub, which is actually a smaller increase than we saw in 2023. But in 2024, Americans defaulted on $59 billion in credit card debt — a 34% jump from 2023. We’ll hear more. Also on the show: China’s deflation woes, a major crypto heist tied to North Korea and the market ripple effects of continued uncertainty.

Americans took on an additional $74 billion in credit card debt last year, according to WalletHub, which is actually a smaller increase than we saw in 2023. But in 2024, Americans defaulted on $59 billion in credit card debt — a 34% jump from 2023. We’ll hear more. Also on the show: China’s deflation woes, a major crypto heist tied to North Korea and the market ripple effects of continued uncertainty.