Podcasts about Fico

PREVIEW. Serbia's Triumvirate Links to China and Russia; European Trojan Horses. John Batchelor speaks with Ivana Stradner about Serbia's close ties to China and Russia, despite being in the Western Balkans. China has a huge economic and security impact on Serbia, sending weapons and holding military exercises. This relationship is a test for Europe, as Orbán and Fico are called "Trojan horses" acting for authoritarian leaders. 1904 SERBIA

Timestamps:6:03 – Breakdown of FICO15:15 – Futures Trading Tip of the Week18:37 – Trump's $2K Tariff Plan34:46 – Burry's Shorts on NVDA & Palantir46:00 – What to Do After Becoming a Millionaire59:00 – Is Google the Sleeper AI Giant?1:04:10 – Holiday Market Play: Crypto or Stocks?1:08:20 – Trump x NVO x LLY Partnership Breakdown1:15:46 – Pre-Recession Indicators to Watch1:24:53 – CMG vs. CAVA Investment Outlook1:28:20 – End of Government Shutdown1:32:00 – Key Market Indicators for 20271:33:22 – Weekly Earnings RecapIn this week's Market Mondays, we break down everything from Trump's $2,000 plan to the future of AI and the latest market indicators signaling what's ahead for investors.We start with a deep dive into FICO scores and how they impact your financial future, then move into futures trading tips and Trump's bold plan to give every American $2,000 from tariff profits.We also discuss Michael Burry's short positions against Nvidia and Palantir, whether Google is the sleeper giant in AI, and what to do after you become a millionaire.Plus — we analyze Trump's new partnership with Novo Nordisk and Eli Lilly, what it means for biotech investors, and which markets — crypto or stocks — to focus on during the holiday season.As the government shutdown ends, we reveal key pre-recession indicators to watch, whether Chipotle (CMG) or CAVA are smart plays right now, and what signals could define the path to 2027.#MarketMondays #EarnYourLeisure #Investing #StockMarket #Crypto #FuturesTrading #TrumpEconomy #AIStocks #NVDA #Google #Palantir #NVO #LLY #FinancialEducation #WealthBuilding #RecessionPrep #EYLOur Sponsors:* Check out PNC Bank: https://www.pnc.com* Check out Square: https://square.com/go/eylSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Ladrões de cadeiras de esplanadas e uma situação American Pie.

Entrepreneur Magazine, The Grio, Black Enterprise, Author Recently Rahkim wrote in Entrepreneur Magazine""I Went Viral for Quitting My Job Because It Was Impacting My Mental Health. Here Are the 4 Things I Did to Prepare for Full-Time Entrepreneurship.Want to 'fire' your boss? You'll need to be prepared."Rahkim Sabree Mission is.............. "To inspire multi-generational growth; spiritually, mentally, and physically through the lens of my words and experiences."From Section 8 to Owning Multiple Homes, Rahkim has grown from being raised in humble dwellings to reaping the benefits of owning his investments.As a speaker Rahkim has graced stages, classrooms, work spaces, and board rooms serving on panels and delivering workshops, seminars, and keynotes. Most notable of which was the TEDx stage in Hartford, CT. Rahkim is always looking for opportunities to spread his message.On the heels of his new book entitled Financially Irresponsible, author Rahkim Sabree says that closing the financial literacy gap can be done with the establishment of a team.Rahkim is a millennial /Gen Z African American man who's accomplished financial goals like attaining the coveted 800 FICO credit score, to purchasing his first home under 30. He mentions, “These were not things discussed growing up in Mount Vernon, NY.”His hope is to inspire others like him to not only become financially literate, but to share what they know with others.Rahkim's book is packed full of advice, tips, guides, and powerful insights that many people are going to find useful and empowering. For more information about the book, please visit here.He can be reached on Instagram @UnlimitedInvestmentInquiries and is looking to connect with celebrities and influencers who share in his passion to spread Financial Literacy awareness.For more information visit his official web site at rahkimsabree.com© 2025 All Rights Reserved© 2025 BuildingAbundantSuccess!!Join Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASJoin Me @ Spot Me on Spotify: https://tinyurl.com/yxuy23baAmazon Music ~ https://tinyurl.com/AmzBASAudacy: https://tinyurl.com/BASAud 

Neprešiel ani mesiac a Slovenskom otriasla ďalšia vážna nehoda vlakov. Po Rožňave sa tentokrát zrazili dva vlaky na trati medzi Pezinkom a Bratislavou. Našťastie nikto nezomrel, no zranených bolo 79 ľudí, troch museli v nemocniciach okamžite operovať. Išlo najmä o študentov, ktorí cestovali do Bratislavy na internáty. Záchranári minuli na mieste takmer všetok zdravotnícky materiál.Ešte v piatok sme sa pritom podobnej nehode vyhli len o kúsok na takmer tom istom úseku, kde sa takmer zrazili český RegioJet s osobným vlakom smerujúcim do Trnavy.Bude na vine opäť ľudská chyba, pretože na Slovenských železniciach nemáme dostatok moderných technológií, ktoré by rušňovodičom pomáhali? Čo sa to na našich železniciach vlastne deje? Môžeme sa v našich vlakoch cítiť bezpečne a budeme mať niekedy ozaj moderné, bezpečné a presné vlaky a trate? Mal premiér Fico prijať ponúkanú demisiu ministra dopravy Ráža? Nemali padať hlavy kompetentných už po nehode v Rožňave?Braňo Závodský sa rozprával s riaditeľom Inštitútu pre dopravu a hospodárstvo Ondrejom Matejom a expertom na železničnú dopravu Jiřím Kubáčkom.

Podcast Jajam Shlomo (Sally) Zaed Decir los Tehilim para cada caso específico Conferencia

Emmaline Aliff of Equifax joins Dr. Amy Crews Cutts, Chief Economist at AC Cutts & Associates, to unpack the real costs and competitive dynamics of mortgage credit reporting. They dig into what the data actually shows about tri-merge pricing, lender negotiation power, fallout loans, and the entry of VantageScore.In this episode:What is the true cost of pulling a credit report for a mortgage?The cost of a mortgage credit report usually falls within a wide range—from around $40 up to about $240 per file, depending on factors like the number of borrowers and the products included (such as trended data or monitoring services). While some lenders cite an average cost around $155, the actual cost is often driven by how many borrowers are on the application, how many times credit is pulled, and which ancillary services are added.Why do lenders say credit reports are “too expensive”?Many lenders feel credit reports are expensive not because of the unit price, but because of fallout—loans that never close. When a lender pulls credit and the borrower doesn't complete the loan, the lender usually eats that cost. Unlike appraisals, credit report fees are often not collected upfront, so unrecovered costs on fallout loans can make credit reporting feel disproportionately expensive.How much does a credit report actually matter in the total cost of a mortgage?In the context of a full mortgage transaction, the credit report fee is typically a small fraction of total closing costs and prepaid expenses. Even if a report costs $60–$150, that's minimal compared to items like taxes, insurance, and appraisal fees. The real financial impact often comes from how credit information influences interest rates and approvals, not just the report fee itself.What is a tri-merge credit report and why does it exist?A tri-merge credit report combines data from the three nationwide credit reporting agencies—Equifax, Experian, and TransUnion—into one consolidated file. This helps:Reduce blind spots by capturing regional and portfolio differences between bureausGive investors and GSEs (Fannie Mae, Freddie Mac) a more complete view of borrower riskSupport underwriting models that rely on rich, multi-bureau data rather than a single viewTri-merge helps maintain investor confidence in mortgage-backed securities by reducing data gaps and gaming risk.

Slovenský premiér Robert Fico doufá, že s budoucí českou vládní koalici obnoví mezivládní konzultace a vzkřísí spolupráci zemí Visegrádské skupiny. „Byla to právě politika současné slovenské vlády, která naše národy rozdělovala. Je nutné, aby naše země měly dobré vztahy,“ zdůrazňuje v Interview Plus Veronika Cifrová Ostrihoňová, europoslankyně za opoziční Progresivní Slovensko.

Hoy te hablo de verdad, sin filtro (aunque con mocos

1. Čo všetko je pokazené 

Často se nás ptáte, jak se bude politická situace dál vyvíjet. Vyjděme ze slovenského modelu, kde vládne Robert Fico, jehož postupy Andrej Babiš systematicky už léta opisuje. Před dvěma lety zaútočil Fico na speciální prokuraturu, změnil trestní zákoník a prostřednictvím generální prokuratury „omilostňoval“ řadu svých trestně stíhaných stoupenců. Následně si podrobil Slovenskou televizi a rozhlas a neziskové organizace. Platí totiž zásada – forma financování určuje míru nezávislosti. Napojení na státní rozpočet tuto nezávislost vylučuje.V Česku hlavní čistky v policii Andrej Babiš provedl už v době své menšinové vlády bez důvěry v roce 2018. Hlavním smyslem bylo získat kontrolu nad svým trestním stíháním ve věci Čapího hnízda. Od toho se odvíjí řada věcí, které ve státní správě nyní probíhají.A jak se nová vládní většina bude chovat k Ukrajině? Co je v pozadí sporu o státní rozpočet? A jak se zachová prezident Petr Pavel ve věci Babišova střetu zájmů?

Fico sa bojí študentov z Popradu. 10 sekúnd ticha za Ficove tyranie a šírenie nenávisti. Nemecký prezident varuje pred nástupom diktatúr. Ukrajina uvalila sankcie na človeka, ktorý vybavil Matovičovi vakcíny Sputnik.

„(V liste R. Ficovi) som porovnával rok 1977 (podpis Charty'77) – normalizáciu – a dnešnú dobu. Našiel som tie isté charakteristiky: rozklad demokracie, pohŕdanie parlamentnou demokraciou, úsilie o vládu jednej strany – vtedy upevnenie, dnes úsilie opäť získať vládu jednej strany. To je to isté,“ rozpráva Miroslav Lehký, niekdajší vyšetrovateľ zločinov komunizmu.Ocenený za prínos k poznaniu obdobia neslobody a šírenie myšlienok slobody a demokracie. Miroslav Lehký. Niekdajši signatár a hovorca Charty77, ktorému komunistický režim zahatal štúdium teológie. Organizátor tzv. podzemnej univerzity v Bratislave. Po Novembri'89 tajomník Československého resp. Českého helskinského výboru. Neskôr bádateľ komunistických zločinov na Úrade pre dokumentáciu a vyšetrovanie zločinov komunizmu. Spolu s Jánom Langošom zakladal Ústav pamäti národa, z ktorého neskôr na protest proti novému smerovaniu odišiel. A plne sa zaradil do českého Ústavu pre štúdium totalitných režimov. Dnes laureát ceny Ústavu pamäti národa. Ako vidí Slovensko v roku 2025, v čase, keď mu vládna garnitúra siaha na symbol prechodu z neslobody do slobody – na 17. november? A nenachádza paralely s dobou normalizácie zo začiatku sedemdesiatych rokov?„Ak niekto povie, že November vlastne nič nebol, tak buď to bol hlupák bez očí a uší, alebo pokrytec bez morálnych základov a mantinelov, ktorý sa chce mať len dobre,“ hovorí Miroslav Lehký. „A v každom režime sa môžete mať dobre, keď vstúpite do jeho služieb,“ dopĺňa.Podcast pripravil Jaroslav Barborák.

repost @O valor e o sentido da vida - Lúcia Helena Galvão e Clóvis de Barros Filho #aovivo - YouTube Transmitido ao vivo em 6 de nov. de 2025 O Café Filosófico CPFL é um espaço aberto para reflexão. As falas dos convidados e os comentários do público são de responsabilidade dos respectivos autores e não refletem, necessariamente, a visão do Instituto CPFL ou de seus controladores. Comentários fora do tema proposto e que disseminam discursos de ódio e/ou ataques criminosos serão banidos automaticamente. “Que tipo de ser humano você quer ser?” Com essa provocação que exige olhar para dentro, identificar valores essenciais e, muitas vezes, confrontar incoerências entre crenças e atitudes, Lúcia Helena Galvão e Clóvis de Barros Filho dão início a um diálogo inspirado no livro O valor e o sentido da vida, obra que vai embasar um bate-papo dos autores com o público de Jundiaí, no módulo especial do Café Filosófico CPFL, em parceria com a Papirus Editora, em 6 de novembro, no Teatro Polytheama. Na ocasião, os autores abordarão temas centrais da obra, lançada pela Papirus 7 Mares, propondo uma reflexão sobre a busca pelo próprio caminho, o dilema entre razão e emoção, o conceito de propósito e o verdadeiro significado de prosperidade. Ao longo da conversa, Clóvis e Lúcia Helena discutirão, ainda, a importância do autoconhecimento, o papel do outro em nossa trajetória, a fronteira entre a boa vida e o sucesso, além da necessidade de encarar as inquietudes como oportunidades de crescimento. Com olhares complementares, os autores convidam o público a refletir sobre quem somos, quem desejamos ser e como podemos construir uma vida com sentido e valor, questões que atravessam toda a obra e inspiram a palestra de lançamento. O evento, com curadoria do Instituto CPFL e Papirus Sete Mares, terá início às 19h30, com a palestra e um momento de perguntas do público, que poderão ser enviadas pelo chat do canal do Café Filosófico CPFL no YouTube. A abertura contará com uma apresentação do Bom de Tom, projeto de iniciação musical que oferece aulas de flauta e ukulelê para crianças de 7 a 14 anos, em Jundiaí.  Realizado pela Goall Impacto Social, por meio da Lei de Incentivo à Cultura, com patrocínio da CPFL Energia e apoio da State Grid Brazil Holding S.A. e do Instituto CPFL, o projeto integra a frente CPFL Jovem Geração e, mais do que ensinar música, aposta no desenvolvimento integral dos jovens, estimulando disciplina, concentração, trabalho em equipe e criatividade. Lúcia Helena Galvão é filósofa, professora, escritora, poetisa, conferencista e voluntária com mais de 30 anos de experiência na organização Nova Acrópole do Brasil. Nascida no Rio de Janeiro, vive em Brasília há mais de quatro décadas. Seu trabalho atrai uma audiência global, com milhares de pessoas acompanhando suas produções criativas e filosóficas. Visa auxiliar as pessoas a crescerem e a se tornarem seres humanos melhores. Clóvis de Barros Filho é doutor e livre-docente pela Escola de Comunicações e Artes da Universidade de São Paulo. Professor, palestrante e escritor best-seller, tem mais de 30 livros publicados sobre ética, felicidade, autoconhecimento e valores. Suas palestras cativam as mais diversas plateias. Recorrendo a exemplos do cotidiano e histórias divertidas, ensina conteúdos densos de maneira leve e fascinante Siga as redes da TV Cultura! Facebook:   / tvcultura  Twitter:   / tvcultura  Instagram:   / tvcultura  Site: https://tvcultura.com.br/ Siga o Instituto CPFL Facebook:   / institutocpfl  Twitter:   / cafe_filosofico  Site: http://www.institutocpfl.org.br/

Antonio de la Rosa nos lleva de aventura uniendo el Atlántico y el Pacífico por el Paso del Noroeste en una travesía a remo y en solitario, como suele hacer este aventurero. Olaïa Calderon nos presenta un proyecto muy especial en Arglés-Gazost, al otro lado de los Pirineos, la Maison de la Montagne.

1. Študenti v Poprade odmietli premiéra. 2. Vždy sa dá spoľahnúť na Správy STVR. 3. Kaliňák vyhnal štát v prospech oligarchu.

NotiMundo Estelar - Katherine Herrera, Daniel Noboa asegura que Ecuador acabará con el narcotráfico desde Manabí y Santa Elena by FM Mundo 98.1

Podcast 5:59 přináší další sérii, tentokrát ve spolupráci se zahraniční redakcí Seznam Zpráv. Středoevropský reportér Filip Harzer se při svých  cestách napříč Slovenskem snaží zjistit, jakým směrem se za čtvrté vlády premiéra Fica země vydala. A je to cesta k neliberální demokracii, jak Ficovi oponenti často zdůrazňují? Je možné, že v jeho stopách půjde i Andrej Babiš a jeho příští vláda? V prvním díle podcastové série Směr Fico, se Filip zaměřuje na premiérův nečekaný politický návrat v pocovidových volbách. Článek a další informace k nové sérii Směr Fico najdete na webu Seznam ZprávySledujte nás na sociálních sítích X, Instagram, Threads nebo Bluesky. Náměty a připomínky nám můžete psát na e-mail zaminutusest@sz.cz

Over 2 million borrowers just lost 100+ credit points, and most never saw it coming. If your score slid from a 700 to a 550 overnight, this episode is your playbook to reverse it.Inside, we unpack exactly how post-October 2024 reporting torpedoed scores—retroactive lates, skipped notices, duplicate tradelines, and how those same violations can be used to dispute and delete the damage.What you'll learn:The reporting rules federal vs. private servicers keep breaking—and how to prove itThe step-by-step dispute stack: bureaus, servicer validation, CFPB complaintWhen consolidation resets the board (and when it doesn't)How to escalate for fast corrections and permanent removalsWho it's for: borrowers, first-time homebuyers, agents, and LOs advising clients—anyone who needs credit points back now.Make sure you share this episode with anyone who needs itSupport the showPlease subscribe give us a review and share the show. Email show ideas or apply to be a guest at: info@coachclarence.com. We love your feedback.YouTube: Coach Clarence TVInstagram: www.instagram.com/clarencemfergusonInstagram: www.instagram.com/tharealcoachclarenceFacebook:https://www.facebook.com/groups/fitover40withcoachclarenceLinkedin:https://www.linkedin.com/in/clarencef/Pinterest: https://www.pinterest.com/CoachClarence/Twitter: https://twitter.com/fitnusbiznus

On today's show: Controversial figure Tomio Okamura, the leader of the Freedom and Direct Democracy party, has been elected Speaker of the Chamber of Deputies; Czech-Slovak relations under Andrej Babiš and Robert Fico; Pardubice will host the Canicross World Championships for dog racing for the first time; and lastly, we cover former president of Ukraine Viktor Yushchenko's perspective on the War in Ukraine and what the future may hold. Enjoy!

On today's sponsored episode, HousingWire president and returning Power House host Clayton Collins sits down with Jennifer McGuinness, the CEO of Pivot Financial. With her extensive Wall Street background and her experience at Deutsche Bank, CoreVest, and WinWater, Jennifer brings unparalleled expertise to today's conversation about non-QM products and the future of mortgage securitization Clayton and Jennifer dive deep into product diversification strategies, the importance of prudent underwriting, and the innovative securitization framework that Pivot is developing to level the playing field for small and mid-sized lenders. They also tackle persistent non-QM misconceptions, explore the untapped potential of first and second lien HELOCs, and discuss how VantageScore 4.0 could reshape credit evaluation. Here's what you'll learn: Why non-QM products are essential for lender survival in today's market, not risky subprime lending How first lien HELOCs can serve as game-changing cash management tools for borrowers The real story behind VantageScore vs. FICO and what bond markets aren't telling you Pivot's revolutionary securitization framework could democratize liquidity for smaller lenders Why product innovation — not just rates and asset prices — holds the key to housing affordability Related to this episode:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Jennifer McGuinness | LinkedIn Pivot Financial Pivot Financial | LinkedIn ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire president Diego Sanchez every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Recorded live at MBA Annual 2025, HousingWire CEO Clayton Collins talks with Joel Rickman, SVP of Verification Services/Workforce Solutions at Equifax, and Justin Demola, President of Lenders One, about the ripple effects of FICO's new pricing model, the rise of VantageScore, and how smarter lending data can drive efficiency, affordability, and innovation across the housing market.In this episode:Why is the FICO vs. VantageScore discussion so important right now?The FHFA's move to accept VantageScore opened the door for more competition and potential savings. While some lenders worry about cost increases, experts explain how competition is already driving innovation and pricing transparency—helping lenders better serve homebuyers.How are Equifax and other bureaus responding to these market shifts?Equifax, Experian, and TransUnion have each added new data benefits within existing pricing structures. At Equifax, that includes embedding income and employment data into credit reports to reduce costs and improve decision accuracy. The goal: help lenders make smarter, faster, and fairer lending decisions.What role does Lenders One play in shaping this change?Lenders One represents over 230 independent mortgage bankers, providing cooperative buying power and technology tools. By building its own credit-reporting platform and partnering with bureaus like Equifax, Lenders One helps members gain flexibility, lower costs, and optimize workflows.How can lenders create efficiency in loan manufacturing?The guests stress “buy what you need, when you need it.” That means pulling the right data at the right stage of the loan, automating income verification later in the process, and using analytics to predict fallout rates—reducing unnecessary costs while keeping accuracy high. 

Zaragoza tiene 14.982 semáforos, algunos de los cuales se convertirán en inteligentes en un proyecto pionero para regular el flujo real de peatones y coches, reducir los accidentes de tráfico y las emisiones a la atmósfera.

En esta oportunidad le damos un poco al record de tráfico maleado en Lima y también hablamos sobre algunas antigüedades que aún conservamos. Los Malditos Podcast es un programa de humor conducido por los ex Mañana Maldita Gonzalo Torres y Daniel Marquina. Producido por Augusto"Papopa"Robles.

Escuche esta y más noticias de LA PATRIA Radio de lunes a viernes por los 1540 AM de Radio Cóndor en Manizales y en www.lapatria.com, encuentre videos de las transmisiones en nuestro Facebook Live: www.facebook.com/lapatria.manizales/videos

En entrevista con Manuel López San Martin para MVS Noticias, Brenda Estefan, analista internacional, responde, ¿qué tan en serio habría que tomar la posibilidad de ataques de EU en México?See omnystudio.com/listener for privacy information.

Celý rozhovor a viac informácií o PREMIUM nájdeš tu

From PMI myths to hard credit pull fears, this listener Q&A episode breaks down the most common first-time homebuyer questions with real math and no fluff. Learn the right order of operations, how to shop for your mortgage, and when to start talking to a lender — all straight from the expert trusted by thousands of new homeowners.This episode dives into 10 of the most frequent and misunderstood questions first-time buyers ask when preparing to purchase a home. David Sidoni continues the “listener question” series with practical, myth-busting guidance on everything from pre-approvals and FICO scores to the real math behind PMI and rent replacement.Listeners will discover why starting early is the most powerful move, how to safely run a hard credit pull without hurting your chances, and why “shopping the rate” is one of the biggest traps new buyers fall into. Instead, David explains why “shopping the team” — the right realtor and lender — is what truly determines your long-term success and financial comfort.“Don't shop numbers — shop service. Realtor first. Unicorn realtor first.” – David SidoniHIGHLIGHTS:The correct order of operations: Realtor first, lender second, rate thirdWhy PMI isn't the enemy — it's a tool that gets you into the game soonerThe myth of “wait until you're debt-free” or “save 20%” before buyingHow much a hard credit pull really affects your score (spoiler: not much)Mortgage broker vs. bank vs. online lender: what actually mattersThe new FICO top tier: 780+ and why that matters for ratesWhy credit unions are great for cars, not mortgagesWhen and how to use a 401(k) loan to buy your first homeReal math: PMI vs. waiting 40 months to save — $6,000 vs. $100,000 in rentThe one question that can make or break your lender interviewConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!Subscribe on YouTube@HowtoBuyaHome

Convidada: Vanessa Cavalieri, juíza da Vara da Infância e Juventude do Rio de Janeiro. O Brasil tinha 12,5 mil adolescentes em restrição e privação de liberdade em agosto de 2024, segundo dados do Sinase, o Sistema Nacional de Atendimento Socioeducativo, ligado à Secretaria Nacional dos Direitos da Criança e do Adolescente. A lei brasileira prevê uma série de caminhos para garantir a reinserção social e evitar que esses jovens voltem a cometer atos ilícitos. Em conversa com Natuza Nery neste episódio, a juíza Vanessa Cavalieri explica o que acontece a partir do momento em que um jovem é apreendido. Segundo ela, ao cumprirem a primeira medida restritiva de forma ineficiente, muitos desses jovens voltam ao tráfico. Vanessa relata como, ao serem apreendidos pela polícia e perderem a droga pertencente ao tráfico, jovens criam dívidas impagáveis, gerando um processo de “bola de neve”, no qual um crime leva a outro ainda mais grave. Titular da Vara da Infância e Juventude do Rio de Janeiro, Vanessa Cavalieri relata o que vê, diariamente, em seu trabalho com jovens infratores e que tipo de investimentos e programas sociais precisariam ser colocados em prática para reverter esse cenário. Ela enumera quais fatores sociais, educacionais e familiares levam menores a cometer atos ilícitos, em um ciclo difícil de ser rompido.

Link promocional para audiência do Narrativas. Beway Idiomas:   https://mkt.bewayidiomas.com.br/?a=16517723  Narrativas analisa os acontecimentos do Brasil e do mundo sob diferentes perspectivas.     Com apresentação de #MadeleineLacsko, o programa desmonta discursos, expõe fake news e discute os impactos das narrativas na sociedade.     Abordando temas como geopolítica, comunicação e mídia, traz uma visão aprofundada   e esclarecedora sobre o mundo atual.     Ao vivo de segunda a sexta-feira às 17h.   Apoie o jornalismo Vigilante: 10% de desconto para audiência do Narrativas  https://bit.ly/narrativasoa   Siga O Antagonista no X:  https://x.com/o_antagonista   Acompanhe O Antagonista no canal do WhatsApp. Boletins diários, conteúdos exclusivos em vídeo e muito mais.  https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344  Leia mais em www.oantagonista.com.br | www.crusoe.com.br 

1. Žilinka – zrušenie záchrankového tendra bolo protizákonné. Fico – nevyrušuje ma to. 2. Nehorázna skratka ku „kádehákom“. 3. Opozícia opatrne hľadá cestu k sebe.

C.A.O.S. Fotográfico: Criatividade, Adaptação, Ousadia e Sustentabilidade.A fotografia nunca esteve tão viva e tão desafiadora. Nesta live, Leo Saldanha analisa as mudanças que estão transformando o mercado, da inteligência artificial ao comportamento dos clientes, e como fotógrafos podem encontrar direção em meio ao caos.

En este episodio exploramos la vida y el legado de Joseph Arthur Gobineau, conde de Gobineau (1816-1882), filósofo y diplomático francés cuya obra marcó profundamente la historia de la filosofía y las ciencias sociales. Analizaremos sus teorías, que aunque influyentes, están vinculadas a algunas de las ideologías más controvertidas y peligrosas del siglo XIX, especialmente aquellas relacionadas con la idea de la superioridad racial. Acompáñanos para entender el contexto y el impacto de sus ideas en el pensamiento moderno.

El análisis de actualidad económica, todas las mañanas a las 07:30. 

Este lunes de Ventas y Motivación será diferente, tendré el honor de conversar con Arianna Martínez Fico, conferencista internacional, mentora y autora de Agilidad Zen.Arianna dice algo que me marcó:“El futuro no es algo que se espera… es algo que se ensaya.”Vivimos una era donde la tecnología acelera todo, pero a veces nos desconecta de lo más importante: nuestra capacidad humana de crear, conectar y anticipar.Y ahí está el punto clave:¿Cómo vendemos, lideramos o inspiramos en un mundo donde el cambio es la única constante?Conversaremos sobre:✅ Cómo anticipar tendencias y necesidades de tus clientes antes de que ellos mismos las vean.✅ La importancia de experimentar, equivocarse y aprender rápido.✅ Por qué las ventas del futuro se construyen con innovación, propósito y empatía.✅ Y cómo liderar con esperanza lúcida, esa mezcla entre realismo y fe en lo posible.Si quieres aprender a vender lo que aún no existe, liderar lo que todavía está naciendo y diseñar tu futuro con propósito, no te pierdas esta conversación.

Con Carlos Doblado, de Zacher Asset Management.

A guerra de Trump ao narcotráfico e a ameaça a Maduro. Entrevista com Javier Cercas. As alterações climáticas recuam na hierarquia de preocupações da população. Edição de Mário Rui Cardoso.

Madrugada del 28 de noviembre de 1953. Nueva York. Un científico cae desde el piso 13 del Hotel Statler y muere en la acera vestido solo en ropa interior. El gobierno dice que fue un suicidio tras un experimento con LSD que salió mal. Pero 70 años después, las evidencias cuentan otra historia: Frank Olson no se suicidó, fue asesinado por la CIA. Era un científico brillante que trabajaba desarrollando armas biológicas en Fort Detrick y conocía los secretos más oscuros de la Guerra Fría. Cuando empezó a tener dudas morales y expresó su deseo de dimitir, se convirtió en un problema. Un problema que había que eliminar. En este episodio analizamos las inconsistencias de la versión oficial, la evidencia forense que demuestra que fue golpeado antes de caer, el manual de asesinatos de la CIA que describe exactamente cómo matarlo, y el encubrimiento que duró décadas. Esta no es una teoría de conspiración: es un crimen de Estado documentado que sigue sin resolverse. Y además: La Frecuencia (con Oscar Fábrega) Leyendas Urbanas en Internet (con Jesús Relinque) Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

Bienvenido al episodio SEO para Google: cuando la IA te roba clics, ¿qué hacer en 2025 para recuperar tráfico? Si has notado menos visitas este año, no estás solo: los resúmenes impulsados por IA están ganando relevancia y el usuario decide antes. No es magia: es hacer que tu contenido sea claro y usable. Empieza con un diagnóstico sin drama: revisa Analytics y Search Console, identifica páginas que cayeron y clasifica las consultas por intención (informativas, comparativas y locales) antes de tocar nada.El plan de 30 días se reparte en tres semanas. Semana 2: reescritura rápida para IA y humanos, con una pregunta literal al inicio, un bloque de tres frases que responda directo, un paso a paso corto y pruebas reales (con fotos o cifras). Semana 3: gana espacios alternativos: un clip de 30 segundos arriba de la página, publica Shorts/Reels y enlázalo; añade una pieza de opinión para Perspectivas y ajusta la ficha local si aplica. Caso real: una tienda de mochilas cayó un 28% en búsquedas, y en 30 días, gracias a estas ideas, subió posiciones, apareció en Perspectivas y captó 412 correos con un checklist. En resumen: claridad, pruebas y formatos breves que facilitan la decisión del usuario.Conviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/seo-para-google--1693061/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.com

En la oscuridad de la noche apareció un mensaje misterioso en la puerta de ropero. ECDQEMSD podcast episodio 6164 Mensaje Terrorífico Conducen: El Pirata y El Sr. Lagartija https://canaltrans.com Noticias del Mundo: Encuentro Trump Xi Jinping - Masacre en Rio de Janeiro - Las cifras del horror - Huracán Melissa por Cuba - Israel habla de paz otra vez - Amazon cambia empleos por I.A.-  Podría estar un mexicano - El disfraz de la Licenciada - Cállate Podcast Historias Desintegradas: Historias de miedo - La radio de noche - Habitación oscura - Se le sube el muertito - Grito mudo - Escrito en sangre - Padre Nuestro - El mueble maldito - Mudanzas peligrosas - De Tabasco a León - Permisos maritales - Pescando con ebrios - Recetas de pescado - Fisicoculturismo - Diseño gráfico colombiano y más... En Caso De Que El Mundo Se Desintegre - Podcast no tiene publicidad, sponsors ni organizaciones que aporten para mantenerlo al aire. Solo el sistema cooperativo de los que aportan a través de las suscripciones hacen posible que todo esto siga siendo una realidad. Gracias Dragones Dorados!! NO AI: ECDQEMSD Podcast no utiliza ninguna inteligencia artificial de manera directa para su realización. Diseño, guionado, música, edición y voces son de  nuestra completa intervención humana.

El ministro Pedro Sánchez, habló en 6AM del atentado en el Cauca por parte de las disidencias de Alias Mordisco, narcotráfico y la relación con Estados Unidos

A finales de los 90, principios de los 2000, la ciudad de La Paz, en Bolivia, sufría un problema grave de seguridad vial: los semáforos no se respetaban, los peatones cruzaban por cualquier parte y había accidentes constantemente en el centro de la ciudad. En 2001 la Dirección de Cultura Ciudadana pensó que si nadie se tomaba en serio los pasos de cebra, entonces haría reales a las cebras. Cogieron a un grupo de jóvenes, los disfrazaron de cebras y los colocaron en los puntos críticos de tráfico de la ciudad, para que entre risas, bromas y bailes consiguieran que la gente pudiera cruzar de forma segura los pasos de peatones. 24 años después, las Cebras de La Paz no solo siguen en activo, si no que se han convertido en parte del patrimonio de la ciudad, en embajadores de la educación vial y en una forma de ayudar a jóvenes en riesgo de exclusión social. Nos lo ha contado Raissa Cruz, de Red Uno.

After decades as the standard for creditworthiness and mortgage‐backed securities pricing, FICO faces new competition. Robert Zimmer, Director of External Affairs at Community Home Lenders of America, Inc., joins Double Take to answer the questions lenders and investors are asking about risk, pricing, and market stability in the mortgage lending industry.

* Estados Unidos ataca lanchas en el Pacífico, cerca de México* Crece el enojo de agricultores, ya son dos días de bloqueos* Juez ordena detener al dueño de los Tuzos del Pachuca

Learn how to get and read your free credit reports and spot red flags so you can protect your score and money. How do you set a realistic budget for a big life event without guilt? What's the foolproof way to get and read your free credit reports? In this episode, hosts Sean Pyles and Elizabeth Ayoola discuss wedding budgeting and credit monitoring to help you protect your finances. They open by discussing trip and wedding budgeting trade-offs, like how to prioritize comfort, set spending caps, and decide when to splurge. They share tactics for separating wedding and honeymoon costs, using cash gifts and registries wisely, and staying flexible when real prices blow past early estimates. Then, NerdWallet lead writer Amanda Barroso joins Sean and Elizabeth to answer listeners' questions about how to access and monitor their credit reports. They explain the difference between reports and scores and do a live read-through of Sean's Experian report. They cover how to get free weekly credit reports, how to spot hard vs. soft inquiries, what truly matters to your score, what to ignore, and step-by-step moves to dispute errors with the right bureau(s) fast. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts  Standout high-yield CDs: https://www.nerdwallet.com/m/banking/standout-cd-rates-2  Enter your deposit, CD term and APY to see what interest you would earn on a certificate of deposit with NerdWallet's free CD calculator: https://www.nerdwallet.com/banking/calculators/cd-calculator  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: free credit report, credit score, FICO vs VantageScore, how to read a credit report, dispute credit report errors, credit freeze vs lock, Experian, Equifax, TransUnion, hard vs soft inquiry, identity theft credit report, free weekly credit reports, adverse action notice, credit utilization, bank app credit score, frozen credit report, collections on credit report, mortgage on credit report, mixed credit files, verify identity for credit report, step by step read credit report, remove errors from credit report, how to check credit score for free, VantageScore 3.0, FICO score 10T, credit bureau upsell, lock vs freeze security, and travel budget planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.