Podcasts about defaults

When a syndicated property goes back to the bank, it can feel like the end of the road—but it doesn't have to be. In this episode, commercial mortgage expert Eric Stewart joins us to unpack what really happens when a syndicator loses a property to foreclosure, how lenders evaluate your future loan applications after a loss, and what you can do to rebuild your reputation and credit. We also dive into the darker side of “non-recourse” loans—those comforting words that sometimes come with hidden teeth. Eric explains how certain borrower actions, even accidental ones, can trigger bad boy carve-outs, turning a non-recourse loan into a personal liability nightmare. Whether you're navigating a distressed asset or just trying to stay out of hot water, this conversation will arm you with practical strategies to mitigate risk, negotiate smarter, and recover stronger. 

- 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

In this episode of the 401(k) Roundtable, Rick Unser is joined by John Beshears, Professor at Harvard Business School, and Brad Champagne, VP of Human Resources at Mission Linen Supply, to explore how behavioral finance and thoughtful plan design are reshaping retirement outcomes. They reflect on a decade of data since Mission Linen revamped its 401(k) defaults and discuss the impact of auto-enrollment, investment choices, and employee engagement. The conversation also dives into emerging ideas around emergency savings, personalized defaults, and how employers can better support financial wellness. Whether you're in HR, finance, or advising retirement plans, this episode offers actionable insight on what's working—and what's next.

Make sure your habits are serving youSee omnystudio.com/listener for privacy information.

- Subprime Defaults Hit All-Time High - Solid-State Batteries Getting Overhyped - F1 Team Values on the Rise - Toyota Starts Production at New Battery Plant - VW Could Use Rivian Architecture for ICEs - Apollo Go Robotaxi on Profit Path - Waymo Expanding Onto Freeways - China Considers Vehicle Acceleration Limit

- Subprime Defaults Hit All-Time High - Solid-State Batteries Getting Overhyped - F1 Team Values on the Rise - Toyota Starts Production at New Battery Plant - VW Could Use Rivian Architecture for ICEs - Apollo Go Robotaxi on Profit Path - Waymo Expanding Onto Freeways - China Considers Vehicle Acceleration Limit

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

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! Show Notes: https://securityweekly.com/asw-356

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

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! Show Notes: https://securityweekly.com/asw-356

Javier López Fernández y Borja Gómez, Technical Principal Consultant de Thoughtworks España, aterrizan los Sensible Defaults de Thoughtworks como guías prácticas para lograr entregas frecuentes, seguras y medibles. Repasan TDD, pair programming, integración y despliegue continuos, automatización de pipelines, observabilidad y gestión de la calidad, vinculándolas con el Manifiesto Ágil y las métricas DORA. Además, explican cómo adaptarlas al nivel de madurez de cada empresa y por qué la IA actúa como acelerador que amplifica tanto las buenas como las malas prácticas.

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 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.

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

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.

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. 

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.

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).

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

- 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.