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Candidaturas que se consolidam através de pesquisas...sofrem, e bastante, quando pesquisas caem. É o que acontece no momento com a pré-candidatura do senador Flávio Bolsonaro (PL-RJ). Além do âncora da CNN William Waack, participam desta edição Christopher Garman, diretor-executivo da Eurasia Group, Caio Junqueira, analista de Política, Ingo Plöger, presidente da Abag, Lourival Sant'Anna, analista de Internacional, e Marcello Estevão, diretor-gerente e economista-chefe do IIF.
Latin America is entering a pivotal election cycle with major implications for policy, markets, and geopolitics. In this episode of Current Account, Clay is joined by the IIF's Martín Castellano, Head of Latin America Research, and Paola Figueroa, Head of Frontier Latin America Research, to break down key races in Peru, Colombia, and Brazil. They explore what recent results reveal about political fragmentation, governability, and investor confidence, and assess how domestic pressures are shaping outcomes. The conversation also looks beyond individual elections to examine how the region's shifting political landscape could influence relationships with the United States and broader global markets in the months ahead. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
Earlier this year, we took the show on the road for our first episode of the All Things Sustainable podcast recorded live in London. We sat down in front of an audience with three guests to understand the direction of travel for sustainability, climate and the energy transition: What has changed in 2026, where are the challenges and where are the opportunities? Today, we're bringing you highlights from that April 29 event. Sonja Gibbs, who is Managing Director of Global Markets and Policy at the Institute of International Finance (IIF), explains how sustainability is evolving into a broader conversation about business resilience that includes topics as wide-ranging as climate adaptation, innovation, infrastructure and energy security. The IIF is a global network of financial institutions, and Sonja says that for many members, sustainability is "more integrated across business lines than so much of a separate silo." The Iran war is contributing to this shift by bringing issues of energy security and energy affordability to the fore. "The Middle East conflict just highlights how fragile our global energy system is," Sonja tells us. "What it's leading to is really hard questions about what is the optimal energy mix in different countries and different regions." Guest Steve Howard calls this "the next phase of the energy transition," in which renewables serve as a platform for business model innovation. Steve is Vice Chairman of Sustainability at Singapore-based Temasek, a global investment firm with a net portfolio value of US$324 billion as of March 2025. He says that even while some business and government leaders shift attention toward energy security and affordability, they can't lose sight of the opportunities in sustainability. "We know that tackling climate change gives us good economic growth," Steve says. "We also know an inclusive economy where you bring people out of poverty creates the best, widest economic growth. We all have to invest into that future." And to understand the landscape for standards and reporting amid this geopolitical conflict and rising climate risks, we speak with Richard Barker, a member of the International Sustainability Standards Board (ISSB). Richard explains how the ISSB is focusing on adoption and implementation of its existing standards while setting new standards at a pace that makes sense for markets. "In order to have a standard that works in a capital market context, it needs to be global and it needs to be mandatory," Richard says. At the same time, he says, "It's really important for us in this evolving world of sustainability reporting that we don't go faster than the market." Further listening: How food and beverage giant PepsiCo uses AI for its 'era of resilience' | S&P Global How Swiss food giant Nestlé tackles sustainable supply chains | S&P Global Further reading: May 2026 – Where does the world stand on ISSB adoption? | S&P Global Copyright ©2026 by S&P Global DISCLAIMER By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. 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In this episode of the Global Regulatory Update podcast, host Melanie Idler, Policy Advisor at the IIF, speaks with EY's Stuart Doyle, U.S. Insurance Risk and Regulation Leader, and Rasika Karnik, U.S. Insurance Risk Senior Manager, about the findings of the third annual EY–IIF Global Insurance Risk Management Survey, which examines how insurance chief risk officers are navigating a rapidly evolving global risk landscape. Drawing on insights from more than 100 CROs and senior risk executives, the discussion explores how insurers are operating in a nonlinear, accelerated, volatile, and interconnected (NAVI) risk environment, where risks materialize faster, spread more widely, and interact in increasingly complex ways. The guests examine how this is reshaping the role of the CRO, with greater expectations for real-time insights, forward-looking analysis, and deeper integration into business decision-making. They highlight the continued dominance of cyber risk as the top near-term concern, alongside the growing importance of strategic risk, reflecting the expanding remit of risk leaders as organizations respond to geopolitical shifts, technological disruption, and market change. The conversation also focuses on how insurers are adapting their operating models and capabilities. AI and advanced analytics are moving from experimentation into core risk functions, driving both efficiency gains and new governance challenges, while prompting a shift toward capability-driven risk teams rather than simple headcount growth. At the same time, CROs are balancing near-term pressures with longer-term risks such as climate transition, data privacy and ethics, and evolving global financial dynamics, requiring more adaptive skill sets and a broader, more strategic approach to risk management. Together, these themes underscore a fundamental transition: from managing risk as a control function to positioning it as a central driver of resilience, insight, and decision-making across the insurance enterprise.
Oil Drops – Still highest cost for Memorial Day in years Consumer Sentiment Drops again New Fertilizer coming – Kinda Soilent Green vibe Everyone is talking about SpaceX PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm-Up - Oil Drops - Still highest cost for Memorial Day in years - Consumer Sentiment Drops again - New Fertilizer coming - Kinda Soilent Green Concept - Everyone is talking about SpaceX Markets - Nothing Really Matters - Anyone can see - New HIGHS - Governments picking the winners again - CHIPS ! - Concentration NVDA - Over the weekend, Jensen Huang said that his forecast of a $200 billion market for CPUs includes China, signalling Nvidia still sees significant long-term demand in the market amid ongoing U.S.-China technology tensions. - During an earnings call on Wednesday, Huang said Nvidia's new "Vera" central processors give it access to a new $200 billion market. - So, once again the PR machine is running overtime to make sure there is no reason for anyone to sell the stock - needed to make this clarification over the weekend - Nvidia has received licenses from the U.S. government to sell its H200 chips but has not received approval from Chinese officials who are fostering China's own chip suppliers. Consumers - Consumer sentiment has tumbled to a fresh record low in May as fears of higher prices grow due to the U.S.-Iran war and elevated oil prices, the University of Michigan's Surveys of Consumers said Friday. - The index of consumer sentiment fell to 44.8 from a preliminary reading of 48.2. It's also well below the 49.8 level seen at the end of April. Consumers Upset South Korea - Record after record... - This is an impressive chart - Two companies -Samsung and SK Hynix -----40% of the entire KOSPI index's total market capitalization. Kospi Index Who Believes this Crap? - U.S. forces have conducted “self defense” strikes in southern Iran early Tuesday, with U.S. Central Command saying that this was to “protect our troops from threats posed by Iranian forces.“ - “U.S. Central Command continues to defend our forces while using restraint during the ongoing ceasefire,” Hawkins added. - Meanwhile there was some talk over the weekend that --- 1) We are very close to a deal and it will happen soon ----2) We are in no rush for a deal ----3) How many times is this same line going to be used to try to push the price of oil down (it did move towards $90 after the weekend resumption of futures trading) - Neither side can agree on anything... Secretary of State Marco Rubio said on Friday that the United States has seen some progress towards a deal but that more work was required, while Iran's foreign ministry said the differences remained deep and significant. - Tiresome CEO of Ford - Did you know -??? - The CEO of Ford (Jim Farley) is cousin to Chris Farley Farley and Farley Crops - Farmers worldwide are under pressure due to the Iran war disrupting supplies of conventional nitrogen fertilizers, forcing them to improvise ahead of the fall planting season. - Some farmers are turning to age-old solutions like manure, while others are experimenting with newer technologies, including waste-based inputs and microbial products. -----Circular bio-economy The crisis is giving fresh momentum to products that have long struggled to gain widespread adoption, with demand for biofertilizers and biostimulants rising and companies seeing rising interest and increased sales. - Municipal wastewater and treated human urine, which contain high levels of nutrients that can be processed. ---- So, if your corn is a little extra yellow this summer - now you know... Government's Hand - Quantum computing shares popped last Thursday, as the U.S. government said it would award $2 billion in grants to nine firms operating in the space. - IBM is the biggest beneficiary of the package, with the U.S. Commerce Department agreeing to give the firm $1 billion. - Chipmaker GlobalFoundries is receiving $375 million, while other grant recipients D-Wave Quantum, Rigetti Computing and Infleqtion will be awarded $100 million. - Shares of D-Wave added 33%, Rigetti soared 30% and Infleqtion skyrocketed about 31%. - Funding will come from the 2022 Chips and Science Act. More Money Throwing - Nvidia Corp. bought $500 million worth of rights for shares in Corning Inc. as part of a partnership to expand artificial intelligence infrastructure. - Corning pledged to increase US fiber production capacity by more than 50% to supply more optical fiber for AI data centers. - The partnership includes Corning's plan to construct three new complexes in North Carolina and Texas, which is estimated to create more than 3,000 new US jobs. DEBT - Global debt hits new record, IIF (institute for International Finance) report shows - Global debt rose for a fifth consecutive quarter in Q1 2026, increasing by more than $4.4 trillion to a record high of over $350 trillion, with the increase concentrated largely in the United States and China. - Investors shows signs of shift away from Treasuries - Global debt-to-GDP ratio stable around 305% - NOTHING TO SEE HERE Global Debt More Charts AI Reality? - Starbucks retires AI tool nine months after North American deployment - Tool was part of CEO Brian Niccol's campaign to fix product shortages - AI tool miscounted items, leading to errors, Reuters has reported Starbucks cites need for consistency, supply chain improvements in ending program More AI - Elon Musk's Grok is seeing minimal adoption in US government - even though it's cheap- - Grok lags far behind OpenAI and other rivals that analysts call more capable - Data shows uptake by corporations is also weak, suggesting Grok's problems stretch beyond government - Is it possible that corps don't trust Musk after the way he heavy handled the DOGE process? - Is this going to impact SpaceX growth story? Employment and Ai - The co-founder of AI company Anthropic said on Monday that the development of artificial intelligence cannot be left solely to technology companies, urging greater oversight from religious leaders, governments and civil society. - Speaking at the presentation of Pope Leo's first encyclical, addressing the challenges posed by artificial intelligence, Chris Olah said there was "a real possibility" that AI will displace human labour "at very large scale". Scared - China is restricting overseas travel for top AI professionals in private firms, requiring them to get approval from relevant authorities before embarking on overseas travel. - The government is targeting talent within the AI sphere, including startup founders, researchers, and executives, and adding individuals to the list based on assessments of their critical importance to the country. - The restrictions risk undermining the ability of AI firms in China to recruit and retain talent, and may force engineers with global ambitions to choose between staying home or going abroad earlier in their careers. CHIPS - Micron topped a $1 trillion market value for the first time on Tuesday as shares popped 18%, driven by insatiable artificial intelligence demand for its memory chips. - The stock surge came as UBS tripled its price target on the stock from $535 to $1,625 a share, citing long-term agreement opportunities with partially fixed pricing. - “We believe the market will start to put a more ‘normal' multiple on the stock and MU will continue to re-rate higher as more details emerge about the structural changes AI has driven to the entire memory complex,” the firm wrote. SpaceX - Lots of interest on this... - Lots of clients calling on this and we are working on this for them - Here is a bit of a reality check... --- First - company still losing billions of dollars - some may look past that - - Weird inclusion period for indices and that may take stock up due to required buying ahead of the inclusion (keeping a floor on prices in the beginning) ---- SpaceX plans to allow a large portion of its shares to become eligible for resale before the usual six-month restriction period post-IPO, under a staged system conditioned to the company's performance, a company filing shows. - The approach, designed to avoid a large wave of shares hitting the market at once, would depart from the standard 180-day lock-up that has prevailed in the U.S. Most companies going public restrict early investors from selling shares to help stabilize the stock. - Valuation somewhere between $1.5T and $2T (a year ago it was like $400 million) - Valuation in December was $750 M - Rationale for the big valuation: SpaceX is leveraging its satellite network to build massive, space-based AI data centers, which take advantage of limitless solar energy and off-planet cooling Retail - Ross Stores Inc. raised its sales and profit guidance after first-quarter results surpassed consensus estimates, aided by strong customer traffic among younger shoppers. - The company reported sales of $6.01 billion and earnings of $2.02 per share, with same-store sales growing 17% in the period, a record for Ross. - Ross now expects full-year same-store sales to grow 6% to 7%, and earnings of $7.50 to $7.74 per share, with executives citing increased customer traffic as a key driver of profit. Meanwhile - Walmart issued a worse-than-expected financial outlook amid soaring gas prices. - Finance chief John David Rainey said high tax returns may have muted some of the impact high gas prices had on shoppers in the first quarter, indicating consumer pressures could rise in the current quarter - The big-box retailer issued fiscal first-quarter results that beat Wall Street's expectations on the top line but were only in line on the bottom. - The retailer said it's expecting adjusted earnings per share to be between $2.75 and $2.85, lower than expectations of $2.91, according to LSEG. - Walmart said it anticipates net sales will rise between 3.5% and 4.5% for the year. Ferrari - Electric - Ferrari (RACE) is trading lower today after the company unveiled its first fully electric vehicle, the Ferrari Luce, marking a major strategic shift away from its traditional combustion-engine supercar identity. - The Luce is a four-door, five-seat ultra-luxury EV developed with former Apple (AAPL) design chief Jony Ive, featuring a quad-motor setup producing over 1,000 horsepower, a 0--60 mph time of roughly 2.5 seconds, and a price tag around $640,000. - Despite these headline-grabbing performance specs, investors reacted negatively because the design is seen as a sharp break from RACE's iconic styling, with many critics arguing it looks closer to a mass-market EV than a traditional Ferrari. Saying goodbye - One of America's once-dominant beer brands is being discontinued after more than 175 years. - Schlitz Premium, a beer brand that traces its roots to Milwaukee in the 1840s and was once among the largest breweries in the country, is being put "on hiatus," parent company Pabst Brewing Co. confirmed Friday after Wisconsin Brewing Company announced it would brew the brand's final batch later this month. - "Unfortunately, we have seen continued increases in our costs to store and ship certain products and have had to make the tough choice to place Schlitz Premium on hiatus," Zac Nadile, Pabst head of brand strategy, said in a statement to Milwaukee Magazine. Love the Show? Then how about a Donation? Announcing the THE CLOSEST TO THE PIN for SALESFORCE (CRM) Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter
As 2026 reaches its midpoint, the global economic outlook is growing more uncertain. In this episode of Current Account, Clay is joined by the IIF's Marcello Estevão, Chief Economist and Managing Director, and Jonathan Fortun, Senior Economist, to unpack the latest Capital Flows Report and what it reveals about shifting growth, capital movements, and policy pressures. They examine how geopolitical shocks are compounding existing weaknesses, why the U.S. continues to outperform other economies, and what is driving mixed signals across emerging markets. The conversation also explores how supply chain disruptions are spreading beyond energy and what central banks and policymakers should be watching as risks build heading into the second half of the year. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
VOV1 - Những rủi ro từ đầu tư chứng khoán, giá dịch vụ xây dựng và bất động sản tăng vọt… là những tác nhân đẩy người dân Hàn Quốc tiếp tục rơi vào tình trạng nợ nần chồng chất.Theo số liệu thống kê do Ngân hàng trung ương Hàn Quốc (Bank of Korea) vừa công bố hôm nay 20/5, tổng số nợ mà người dân nước này đang phải gánh trong giai đoạn quý I năm 2026 lên tới gần 2 triệu tỷ KRW, tương đương khoảng 1.379 tỷ USD, tăng 14.000 tỷ KRW so với quý IV năm 2025.Đây là một kỷ lục chưa từng có trong lịch sử Hàn Quốc, kể từ khi các con số liên quan được thống kê chính thức, đưa nước này vào nhóm các quốc gia có số nợ của người dân cao nhất thế giới.Theo phân tích của các chuyên gia, các khoản vay của người dân Hàn Quốc hiện nay chủ yếu là nhằm mục đích đầu tư chứng khoán để kiếm lời và mua sắm đất đai, bất động sản hoặc xây dựng nhà cửa. Đáng chú ý là trong khi lượng cho vay của các ngân hàng giảm đáng kể, thì lượng cung cấp vốn từ các tổ chức tài chính phi ngân hàng như quỹ tiết kiệm quy mô nhỏ và các quỹ tín dụng tư nhân lại tăng vọt.Các chuyên gia cũng dự báo, nếu tình hình kinh tế Hàn Quốc không được cải thiện và quy mô của nền kinh tế không phát triển hơn, con số nợ nần khổng lồ này sẽ tiếp tục gia tăng, tỷ lệ thuận với những rủi ro trên thị trường chứng khoán – tiền tệ, cũng như sự tăng vọt của giá dịch vụ xây dựng và bất động sản.Trong một diễn biến có liên quan, theo thống kê của Viện Tài chính Quốc tế (IIF) – một hiệp hội toàn cầu của ngành tài chính, nợ công so với Tổng sản phẩm quốc nội (GDP) trong giai đoạn quý IV năm 2025 của Chính phủ Hàn Quốc là 48,6%, tăng 5% so với cùng kỳ năm 2024 và cũng là mức cao chưa từng có từ trước đến nay./.Nhiều biển thông báo nợ như thế này được gắn tại thủ đô Seoul (Ảnh: Yonhap News)
In this episode of the Global Regulatory Update podcast, host Philippe Brahin, Director, Insurance and NBFI Regulation and Policy at the IIF, speaks with three KPMG colleagues from the EMA Financial Services Regulatory Insight Centre, Michelle Adcock, Banking; Kate Dawson, Capital Markets; and Alisa Dolgova, Insurance Regulation Sector Heads, to discuss the findings of the latest KPMG Regulatory Barometer, which assesses the impact of regulatory and supervisory developments across the UK and EU financial sectors. Drawing on key insights from the Barometer, the discussion explores how overall regulatory pressure appears to have peaked and is now trending downward, with a growing focus on simplification, proportionality, and the review of existing frameworks rather than large new regulatory packages. The guests examine how this shift is being experienced in practice, such as early efforts to streamline reporting and processes and differences between UK and EU approaches. They also highlight how operational resilience remains a central priority, driven by external risks such as geopolitical tensions, cyber threats, and supply‑chain disruptions, while areas like private credit and private markets are drawing heightened supervisory attention due to their rapid growth and potential spillovers into the broader financial system. The conversation further looks at the growing importance of technology and digital innovation, with a particular focus on AI, digital assets, and tokenization, and the regulatory challenges associated with governance, concentration risk, and cross‑border alignment. The guests also reflect on the evolving role of sustainability and ESG in Europe, where declining regulatory pressure reflects a recalibration rather than a retreat, as institutions shift from compliance‑focused approaches toward embedding ESG into broader business strategy and long‑term resilience frameworks.
iIf someone offered you $1 billion dollars no interest and you had to pay it back in 10 years would you take it?
There could be big changes coming to longstanding bank regulations. With earnings season heating up, the discussion over capital rules is back in focus. Credit Currents is on the ground in Washington, D.C. as the world's top policymakers and regulators attend meetings with the World Bank, International Monetary Fund (IMF) and Institute of International Finance (IIF). We unpack what looser capital requirements could mean, the implications for credit, and how regulators and the US Federal Reserve are responding. Host: Chandra Ghosal, Vice President, Senior Credit Officer, Moody's Ratings Guest: Megan Fox, Associate Managing Director, Financial Institutions Group, Moody's Ratings Related Research: Banks – US – Proposed changes to risk-based capital requirements will likely be credit negative 18 March 2026 Banks – US – New philosophy of US banking supervision and regulation is credit negative 23 March 2026 Banks – US – A policy shift on liquidity regulation would have mixed credit implications 13 March 2026 Banking – US – Solid bank results likely in 2026, though sensitive to widening tail risk 16 March 2026 © 2026 Moody's Corporation and/or its licensors and affiliates. All rights reserved. Go to www.moodys.com/pages/globaldisclaimer.aspx for complete legal terms and conditions governing use of Moody's information made available in this video. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Com a decisiva ajuda do governo, foi rejeitado o relatório final da CPI (Comissão Parlamentar de Inquérito) do Crime Organizado que pedia o indiciamento de três ministros do STF (Supremo Tribunal Federal), além do procurador-geral da República. Mas o estrondo político ficou e é de grandes proporções. O âncora da CNN William Waack, Caio Junqueira, analista de Política, Daniel Rittner, diretor editorial de Brasília, e Wálter Maierovitch, jurista e professor, debatem o tema. Sobre a situação no Oriente Médio, Lourival Sant'Anna, analista de Internacional, Marcello Estevão, dir. gerente e economista do IIF, e Hussein Kalout, prof. de Relações Internacionais da USP e pesquisador de Harvard, participam da discussão.
Anyone who uses Tiktok knows that you can stumble across some pretty random stuff on there. I mean, all of us have our own algorithm-tailored For You page, but still the latest wacky trends tend to get served to us whether we've viewed similar content or not. The Broccoli Freckles trend is a case in point. Iif you haven't already heard of it, you could be forgiven for thinking it's got something to do with food. But that's actually not the case - in reality it's a beauty hack! And it really started taking off on Tiktok in the first few months of 2024. At the time of recording, there have been over 60m related posts. Where does the broccoli part come from then? Well, it's natural at least, isn't it? I don't get it: how have freckles come back into fashion all of a sudden? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: Is the gut really our "second brain"? What's the best way to cut your toenails? Who is US presidential candidate "Literally Anybody Else"? A podcast written and realised by Joseph Chance. First Broadcast: 29/4/2024 Learn more about your ad choices. Visit megaphone.fm/adchoices
Are you doing everything - you're meditating, journaling, practising gratitude, saying affirmations, visualising and it is STILL not happening for you? IIf that is you - this episode is for you. In this episode, I talk about why your manifestation may not be showing up and what you can do to have a "manifestation reset".Don't forget, limited spots left for our 21 Day April Abundance Challenge! Jojn Now: https://pausepenny.com/product/manifestation-challenge-2026/ Hosted on Acast. See acast.com/privacy for more information.
VOV1 - Do ảnh hưởng từ sự bất ổn chính trị và kinh tế trì trệ, Chính phủ, doanh nghiệp và người dân Hàn Quốc tiếp tục rơi vào tình trạng nợ nần chồng chất.Theo số liệu thống kê do Ngân hàng thanh toán quốc tế (BIS) vừa công bố hôm nay 23/3, trong giai đoạn từ tháng 7 đến cuối tháng 9/2025, tổng số nợ của Hàn Quốc lên tới 6.500.584,3 tỷ Won (tương đương hơn 4.483 tỷ USD), tăng 4,5% so với cùng kỳ năm 2024 và là lần đầu tiên vượt qua mốc 6.500.000 tỷ Won.Trong đó, nợ công của Chính phủ Hàn Quốc là 1.250.774,6 tỷ Won (khoảng 862 tỷ USD), nợ doanh nghiệp là 2.907.136,9 tỷ Won (khoảng 2.004 tỷ USD), nợ của các hộ gia đình là 2.342.672,8 tỷ Won (khoảng 1.615 tỷ USD). Ba khoản nợ nêu trên tăng lần lượt 9,8%, 3,6% và 3% so với cùng kỳ năm trước, trong đó, nợ của các hộ gia đình Hàn Quốc đã lọt vào danh sách của nhóm cao nhất thế giới.Trong khi đó, theo thống kê của Viện Tài chính Quốc tế (IIF) – một hiệp hội toàn cầu của ngành tài chính, nợ công so với Tổng sản phẩm quốc nội (GDP) trong giai đoạn quý IV năm 2025 của Chính phủ Hàn Quốc là 48,6%, tăng 5% so với cùng kỳ năm 2024 và là mức cao chưa từng có từ trước đến nay.Theo các chuyên gia kinh tế, sự mở rộng của nền tài chính và sự gia tăng chi tiêu công của Chính phủ sẽ dẫn tới lạm phát nghiêm trọng hơn. Nếu không có các biện pháp hiệu quả, bao gồm cả trước mắt cũng như trung và dài hạn, tình trạng nợ nần của Chính phủ, doanh nghiệp và người dân Hàn Quốc sẽ tiếp tục nghiêm trọng hơn./.Tuấn Nhật/ VOV Nhật BảnTrụ sở Ngân hàng thanh toán quốc tế (BIS) tại Thụy Sỹ (ảnh Reuters).
In this episode of Current Account, Clay is joined by Meghan Milloy, the IIF's Managing Director and Head of Corporate Communications, and Martin Boer, General Manager of the IIF's Brussels Office and Chief Representative, Europe, to revisit Europe at a moment of mounting complexity - fresh off the IIF's European Summit in Brussels on March 4-5. Clay reflects on the policy conversations shaping Europe's agenda; conversations that were already wide‑ranging before a sudden escalation of conflict in the Middle East reshaped the economic backdrop. With crude prices sharply higher and natural gas prices surging, Europe finds itself confronting an immediate energy shock just as it enters the spring with unusually low inventories and reduced access to energy resources. To begin to unpack these developments and the priorities emerging across the continent, Meghan shares insights from her conversations with policymakers and industry leaders at the Summit, highlighting what is top of mind for European stakeholders, from immediate concerns about energy security to the broader challenge of sustaining growth. Martin brings a view from the ground on regulatory simplification efforts, noting that while the topic is gaining attention, meaningful progress remains uneven. He also discusses the rapid rise of defense financing as a central policy priority and how governments, banks, and investors are weighing ways to support defense needs without crowding out other long‑standing commitments. Together, Meghan and Martin reflect on the evolving transatlantic relationship and what recent shifts mean for financial cooperation, especially as Europe and the United States grapple with geopolitical uncertainty, supply chain adjustments, and diverging regulatory pathways. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
Vandaag bespreken we het boek Geld genoeg, maar niet voor jou van Thomas Bollen. De ondertitel is: Hoe heroveren we de macht over ons geld? Hij werkte korte tijd voor een aantal consultancy organisaties, maar is sinds 2016 werkzaam voor Follow the Money en schrijft daar over geld en woont in de Achterhoek :-) Hij sprak met Martin Wolf, werkte met Karlijn aan het waterwerk van ons geld met Carlijn Kingma en schrijft over de digitale euro. https://www.linkedin.com/in/thomas-bollen-028596b https://www.ftm.eu/author/thomas-bollen Het boek was voor mij waardevol en gaf veel inzicht in wat er in de financiële en geldwereld speelt. Via Heidi Leenaarts had ik al wat verhalen gehoord over de financiële wereld, dat banken geld creëren met een druk op de knop en 97% van het geld circuleert in de financiële wereld en maar 3% in de echte wereld. https://decideforimpact.com/show464-de-nieuwe-economie-in-de-praktijk-heidi-leenaarts/ In het boek wordt dit allemaal uitgelegd in begrijpelijke taal in gesprekken met verschillende mensen in deze wereld die er wel over durven te praten omdat hun baan/inkomen er niet meer vanaf hangt. Wat me opviel, is hoeveel geld er wordt verdiend in deze financiële wereld, zoals bij banken, maar altijd met een vangnet voor de burger. Als het misgaat, grijpt de overheid vaak in om ze te redden, waardoor de echt vermogenden zich verrijken ten koste van de rest van de burgers. Thomas gelooft in de toekomst van de digitale euro die door de centrale banken wordt uitgegeven en gecontroleerd. Dit zou aanzienlijk in de kosten besparen en de risico's verminderen. Maar de financiële wereld heeft een grote lobby-macht en stagneert dit proces. Je krijgt ook een inkijkje in de cryptowereld, waar ik een soort piramidespelgevoel aan heb overgehouden. Daarnaast heb ik een goed gevoel overgehouden aan de digitale euro. Belangrijke bevindingen van het boek zijn dat als je de (financiële) markten de vrije hand geeft, ze uiteindelijk altijd ervoor zorgen dat ze zelf meer verdienen en dat dit ten koste gaat van de burger. Zeker wanneer het geldstelsel geprivatiseerd is, zoals nu. Private banken creëren geld. Banken hebben duidelijke afspraken nodig om te voorkomen dat ze bij een bankrun de banken ten onder dreigen te gaan en dat de overheid dit telkens moet oplossen. Dus hogere ondergrens van hoeveel van het geld dat ze uitgeven ook zelf moeten hebben als onderpand. Het kritische punt is misschien dat het veel is en dat ik soms het overzicht verloor tijdens het lezen. Dit zie je ook terug in het register van namen die Bollen in het boek noemt, het zijn er veel. Voor iedere persoon die met geld werkt, is dit een belangrijk boek om te lezen. Je leert beslist dingen over geld en de financiële wereld die je nog niet wist. Hopelijk gaat dat helpen om deze wereld te transformeren. Als je, zoals ik, druk maakt over inkomen en vermogensongelijkheid, dan ontdek je dat het allemaal nog veel erger is dan je had gedacht. Het boek geeft me ook een wat mistroostig gevoel. Er verandert weinig. Het is een uitgebreid boek met 300 pagina's. De hoofdstukken zijn kort en goed afzonderlijk te lezen. We kregen het van Follow The Money. Dank daarvoor. Actueel: artikel FD vandaag 5 feb 2026 ‘Verlaag de Europese kapitaaleisen, de banken hebben hun lesje heus wel geleerd' - Politici en toezichthouders in Europa begrijpen onvoldoende dat een sterke economie een sterke financiële sector nodig heeft, zegt president-commissaris Lorenzo Bini Smaghi van Société Générale. Na het lezen van dit boek kijk ik hier anders tegenaan. Inhoud Woord Vooraf Proloog: Wat rekeninghouders zelden weten In het ‘Fort Knox van Europa Wakker worden in The Truman Show De toren van Basel Wij zijn de 99 procent In de ban van schuld De vergeten wetenschap Buitenbeendjes in actie De saaiste bank van Nederland De grote doorbraak De Europese Doomsday Machine De ontdekking vaan digitaal centraalbankgeld Wat het licht niet verdraagt, woekert in de schaduw De bankiers van de cryptowereld Het antwoord is ‘nee' One coin to rule them all Karaktermoord Publiek geld naar private zakken Chantage door de tech-miljardairs ‘Zeg nee tegen CBDC' De radicale keuze Woord Vooraf De opening van het boek gaat gelijk in op de problematiek in de wereld, zoals inkomens- en vermogensongelijkheid, de concentratie van geld en macht en de afbraak van de democratie. Hierover hebben we al vaker gesproken. Maar wat Thomas dan doet, is de connectie leggen met het geldstelsel. Dat hebben we nog niet eerder besproken, volgens mij. Hij noemt ook het grootste probleem hierin: de financiële geletterdheid die macht geeft en de financiële macht van de sector. Een van de machtigste en best georganiseerde lobby's ter wereld. De macht over ons geld is de afgelopen 40 jaar steeds meer in private handen gekomen. Proloog: Wat rekeninghouders zelden weten Met een aantal sterke voorbeelden in (extreme) situaties ontdek je ineens dat het geld dat op je bankrekening staat niet echt jouw geld is. Dat is het bedrag dat je van de bank tegoed hebt. De bankruns in crisissituaties laten zien dat banken en de overheid je de toegang tot jouw banktegoed kunnen begrenzen of opschorten. Het geld op jouw bankrekening ligt niet in de kluis van de bank. In het ‘Fort Knox van Europa De titel van dit hoofdstuk is wat misleidend. Dit hoofdstuk gaat vooral over wat er allemaal mis is met het geldstelsel Geld is nooit neutraal of natuurlijk. Ze is altijd onderdeel van een complex sociaaleconomisch systeem van schulen, verplichtingen en vertrouwen. Geld is onderdeel van de politieke economie en dus een politiek onderwerp. Publiek (contant) geld van de centrale bank vormt de basislaag van ons geld. Aan cashbetalingen verdient de bank niets. Centrale banken hebben nagelaten om publiek geld naar het digitale tijdperk te updaten. p22 Het verschil tussen privaat en publiek geld is belangrijk om te begrijpen. Het geld op je bankrekening is privaat geld. Het werd door een private bank gecreëerd. De transitie naar digitale banktegoeden (dus al jouw transacties met geld zonder dat er papiergeld aan te pas komt) is een overgang naar privatisering van ons geld en dat brengt risico's met zich mee. Zoals we de afgelopen jaren hebben ervaren. De risico's en kosten om het bancaire systeem overeind te houden worden grotendeels collectief gedragen (bij dreigend faillissement grijpt de overheid in bijv. ABN), terwijl de winsten onder de financiële instellingen en aandeelhouders worden verdeeld. Hoe groot private equity is geworden in 12 jaar: ze lijken alles op te kopen en dragen bij aan het feit dat diensten die we nodig hebben duurder worden en tegelijkertijd de kwaliteit van de diensten slechter wordt. Denk aan kinderdagverblijven, huurwoningen, verzorgingstehuizen, watervoorziening, tandartspraktijken. In private equity zitten mensen die al geld (veel) hebben en vooral bezig zijn om het rendement te vergroten; ze zijn niet geïnteresseerd in het product of dienst zelf. Als het maar rendement oplevert. De democratie dreigt te vervalen tot een dictatuur van het geld. Als afsluiting lees je over $TRUMP, de cryptomunt van Trump, waarmee vooral de familie Trump veel geld heeft verdient. En de macht van Thiel. Wolf: Willen we de democratie redden, dan moeten we het kapitaal repareren. Wakker worden in The Truman Show Uitleg over bankruns en het probleem dat banken veel minder publiek geld in kas hebben. De regels van het kapitalisme worden opzij gezet tijdens de bail-out door de overheid van private banken. Waarbij de mensen met het meeste vermogen als eerste hun geld terugkrijgen. p39 uitleg over rommelhypotheken - hoge afsluitkosten incasseren en het risico op toekomstige wanbetaling niet in je eigen balans opnemen. Sinds de crisis van 2008 staat de overheid garant voor 100.000 privébanktegoeden. Terwijl de banken worden ondersteund door de overheid, keren de managers en de aandeelhouders forse bedragen uit. Ingewikkeld hoofdstuk De toren van Basel p50 het inzicht van Greenspan tijdens de crisis Internationale bankregels Basel III - belangrijk onderdeel financiering met meer eigen vermogen (Basel II - 2%) - Ackerman, CEO Deutsche Bank, en voorzitter IIF wilden de eisen vooral afzwakken. Ze vonden dat zij er het meeste verstand van hadden en het beste de nieuwe regels konden opstellen. Politici vooral buiten de deur houden en burgers bang maken (tabakpropaganda). Eigen vermogen werd uiteindelijk verhoogd naar 3%. Dit betekent dat je als bank je balans met 97 schuld mag financieren. Het doel was een eigen vermogen van 20-30 procent. Anat Admati - Dit hoofdstuk leest als achterkamertjespolitiek en strategietruc. Alles om ervoor te zorgen dat de macht bij de private banken blijft. Wij zijn de 99 procent De internationale geldhervormingsbeweging. Kennismaking met De Waal. Hij wilde een eenvoudige methode om onderling te betalen met een link. De bank leent geen geld uit van andere spaarders op het moment dat ze iemand een hypotheek verstrekken; ze creëren daarvoor nieuw geld. Met een druk op de knop. p62 De vraag waarom zo'n belangrijke maatschappelijke functie niet in publieke handen is. Want het geld scheppen kun je doen voor zaken die goed voor de toekomst zijn en die slecht zijn (fossiele brandstoffen stimuleren, private equity). Het winstmotief van de bank gaat boven het publieke belang. p65 Graeber We are the 99 percent en zijn boek Debt. Het kan wel anders, geschiedenis met een ‘debt jubilee'. Koning of keizer die de mensen hun schulden kwijt schold en weer vrij waren. De Waal: het privilege om geld te schappen is misschien wel het machtigste instrument om een samenleving vorm te geven. Start Stichting Ons Geld - doel publiek informeren over gevaren inrichting financiele systeem In de ban van schuld
In this episode of the Global Regulatory Update podcast, the IIF's Philippe Brahin, Director of Insurance and NBFI Regulation and Policy, speaks with Virginia Insurance Commissioner and newly elected President of the National Association of Insurance Commissioners (NAIC), Scott A. White, about the supervisory, macroprudential, and structural forces shaping U.S. insurance oversight in 2026. Commissioner White outlines the NAIC's strategic priorities for the year ahead, including reinforcing resilience in the property and casualty market under growing climate related stress, managing increasingly complex investment risk profiles in the life sector, and navigating federal-state dynamics as Washington reconsiders its role in insurance policy. He connects these priorities to rising pressure around natural catastrophe losses, digital transformation, operational risks, and the continued evolution of insurer balance sheets. The discussion then turns to cross‑border coordination and international standard‑setting. Commissioner White walks through the NAIC's work with the IAIS and the FSB as global bodies refine expectations around recovery and resolution planning, including the implications of the FSB's expanded list of insurers subject to resolution planning standards. He also offers a detailed overview of progress on the Aggregation Method, recognized as comparable to the ICS in 2024, and outlines how U.S. regulators are addressing remaining issues such as interest‑rate sensitivity and supervisory intervention. The conversation also covers the NAIC's broader capital‑framework modernization, including the RBC Guiding Principles adopted in 2025 and the ongoing gap analysis aimed at updating a framework that has not undergone major structural revision since the 1990s. Finally, Commissioner White examines two areas drawing heightened global attention: alternative asset growth and asset‑intensive reinsurance, and the widening natural catastrophe protection gap. He discusses the supervisory responses underway, from enhanced review of asset‑backed securities and offshore reinsurance treaties to expanded market‑level data collection and mitigation‑focused consumer education. The episode concludes with a deep dive into the NAIC's emerging AI oversight architecture, including the 10‑state pilot of the new AI Systems Evaluation Tool, and the regulatory tensions arising from federal proposals that would centralize or preempt AI governance across industries.
In this episode of Current Account, Clay is joined by Doug Elliott, Partner at Oliver Wyman, and Andrés Portilla, Managing Director of Regulatory Affairs at the IIF, to take a closer look at the growing global debate over regulatory modernization. Fifteen years after the Global Financial Crisis led policymakers to introduce an expansive set of rules designed to reinforce financial stability, many jurisdictions are now questioning whether the existing framework has become overly complex, duplicative, or limiting to growth. Together, Clay, Doug, and Andrés unpack what modernization really means today, whether it is simplification, de‑layering, right‑sizing, or true deregulation, and why the conversation is gaining urgency across markets. Doug lays out the philosophical and practical forces behind modernization efforts globally, while Andrés discusses the findings of the recent IIF Report, "Modernization and Simplification — Revamping the Global Banking Regulatory Framework" - underscoring how overlapping constraints and diverging national interpretations create unnecessary friction for banks operating across borders. The discussion also turns to the ongoing debate over central bank independence, an issue increasingly intertwined with the regulatory modernization agenda. They examine how these debates differ across jurisdictions, how they may influence regulatory decision‑making, and why a credible, independent regulatory framework remains essential for market confidence. In addition, the conversation assesses the role of global standard setters, including the Financial Stability Board and the Basel Committee, in helping ensure consistency as countries revise their approaches at different paces. Clay and his guests discuss why maintaining coherence across borders is critical, even as national politics, growth priorities, and competitive pressures pull policymakers in different directions. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this emergency episode of Current Account, Clay continues the discussion on tariffs with Chris Padilla from the Brunswick Group after the U.S. Supreme Court on Friday, February 20, ruled that the International Emergency Economic Powers Act (IEEPA) does not provide authority for the president to unilaterally impose tariffs. While much is unknown, the Court made one thing clear: major trade actions require clear legal grounding and a durable policy framework. The episode contains a special web session recorded on Monday, February 23, where Clay is joined by Chris to analyze why the decision is a meaningful marker for markets, trading partners, and corporations and follows up on on Episode 134, where they discuss a variety of United States trade and policy topics including the possible ruling against the use of IEEPA. The full video session can be found for IIF members here. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay is joined by two IIF colleagues, Marcello Estevão, Managing Director and Chief Economist, and Gene Ma, Head of China Research and Chief Representative for the Asia-Pacific region, to take a closer look at China's evolving role in the global economy at a time when growth is no longer the country's top priority. Long viewed as the engine of global expansion, China is now emphasizing domestic stability, reshaping trade patterns and global economic dynamics in the process. Drawing on recent travel across the region and insights from the IIF China Economic Forum, they discuss how policymakers and market participants are interpreting China's shift away from growth-driven stimulus toward a more measured approach. The conversation explores the drivers behind China's record trade surplus, including the role of weak imports alongside steady exports, ongoing challenges in the housing sector, rising household savings, and persistent deflationary pressures. Clay, Marcello, and Gene also examine how China's increasing focus on trade with emerging markets—and reduced engagement with advanced economies—is reshaping global trade flows. The episode concludes with a forward-looking discussion on what really matters for understanding China in 2026, and why the key question may no longer be how fast China grows, but how its new economic posture affects the rest of the world. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay sits down with Hannah Anderson, Senior Policy Advisor in the IIF's Digital Finance department, to discuss how digital payments, tokenization, and emerging stablecoin frameworks are shaping global financial innovation in early 2026. Clay and Hannah explore why digital payments and tokenization have transitioned from experimental concepts to core priorities for both the official and private sectors. They examine the surge in tokenization initiatives—particularly in Asia—where public–private pilots are expanding rapidly and jurisdictions are working to establish the regulatory infrastructure needed to scale digital asset markets. The conversation also looks at the growing momentum behind stablecoin development, what these launches could mean for global payments, how they might interact with existing dollar‑backed stablecoins, and what financial institutions should watch as regulatory clarity evolves. Finally, they consider the broader implications for cross‑border payments, including opportunities to modernize settlement systems, improve efficiency, and support interoperability as tokenized and digital payment rails mature. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay is joined by Tim Adams, President and CEO of the IIF, to kick off the new year with a forward-looking discussion on the forces set to shape global finance in 2026 as financial leaders prepare for the IIF's annual board meetings and convene in Davos. Drawing on Tim's extensive global engagement with policymakers and industry leaders, the conversation explores the macro forces most likely to matter in the year ahead, from geoeconomic risk and innovation to growth opportunities and overlooked vulnerabilities. Clay and Tim also discuss the regulatory themes expected to shape strategy in 2026, including how financial institutions can navigate fragmentation in trade, sanctions, and industrial policy without overreacting. The episode concludes with practical guidance for financial services leaders planning for the year ahead, as well as a look at what to expect from on-the-ground conversations at Davos and how increased U.S. engagement could influence the broader World Economic Forum agenda. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay is joined by Eric Farnsworth, Partner at Continental Strategy and a veteran of U.S. government and international policy circles, to examine one of the most dramatic geopolitical developments in recent years: the U.S. military's capture of Venezuelan President Nicolás Maduro and his wife on January 3. This unprecedented move has thrown Venezuela into political uncertainty and raised critical questions about the country's future. Together, Clay and Eric discuss the objectives behind the U.S. action, who is now in charge in Venezuela, and what this means for governance and stability. The conversation also explores Venezuela's economic collapse, the state of its oil sector, and whether lifting sanctions could reopen the door for investors and financial services firms. Finally, the episode looks ahead to what might come next for Venezuela, from potential regime change to the challenges of rebuilding infrastructure and restoring economic capacity. For more from the IIF on Venezuela, read our recent publication here: LatAm Views: Venezuela's Transition — Early Signals and Market Implications. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay is joined by Sonja Gibbs, IIF's Managing Director of Global Policy Initiatives and Head of Sustainable Finance, to discuss the latest developments in global debt as the year comes to a close. Clay and Sonja examine what the rise of global debt, now standing at a total of nearly $346 trillion, means for financial markets and private sector firms and explore the factors driving this increase - particularly the concentration of debt in the government sector, with China and the United States leading the way. The conversation also looks at corporate debt, which is approaching $100 trillion, and considers the implications of record-high issuance by high-yield borrowers. Finally, the episode looks ahead to 2026, discussing which trends are likely to continue and what new dynamics could shape debt markets in the coming year. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
Ever felt like your message didn't land the way you intended? In this solo episode of The Empowered Team Podcast, host Kari Schneider breaks down one of the most overlooked (yet constant) challenges in leadership and relationships: the interpersonal gap—when what you mean and what's heard don't match. Coined by John Wallen, this concept helps explain everything from workplace tension to misunderstandings at the dinner table. Kari shares: The 7 signs that you're stuck in a communication gap A powerful framework to bridge the gap in real time How emotional filters, body language, and culture shape what people actually hear 3 tools to build advanced communication skills (spoiler: it's not about talking more) Whether you're leading a team, managing a household, or navigating high-stakes conversations, this episode gives you the clarity and insight to communicate with impact—and finally feel understood.
In this Founder Friday Scotty is joined by Nathan MacPhee, founder of Invest Inya Farmer (IIF) to discuss how bootstrapping proved effective for IIF in the early idea validation stage.Find out more at: iif.todayFounder Friday is about works still in progress. Learning from success stories is important, but learning from founders still in the thick of getting to market is just as useful - and sometimes much more realistic.----------------------------------The Bootstrap is a production of Hieland Road for The Product Bus. It was developed by Scotty Allen and Declan Magee. Our producer is Sammy Perryman with assistance from Portia McEwan.Visit our website at https://thebootstrap.tech/ and check our YouTube channel https://www.youtube.com/@TheBootstrapPodcastYou can find out more about Scotty Allen at LinkedIn and The Product Bus at https://theproductbus.com/ Hosted on Acast. See acast.com/privacy for more information.
In this episode of Current Account, Clay is joined by Kezia McKeague, Regional Director for Latin America at McLarty Associates and IIF's Martín Castellano, Head of Latin America Research, to unpack the results and implications of Argentina's recent midterm elections. The conversation explores President Javier Milei's strengthened political mandate, the role of U.S. financial support in shaping the electoral outcome, and how markets have responded. Kezia and Martín also discuss the short- and medium-term risks to Milei's economic stabilization plan, including persistent inflation, a widening current account deficit, and pressure on real wages and growth. Finally, the discussion considers whether this moment marks a turning point for reform in Argentina and broader Latin America. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay is joined by IIF's Managing Director and Chief Economist, Marcello Estevão, to give an update on the Federal Reserve and discuss its recent decision to make a 25-basis point rate cut. Clay and Marcello begin by discussing the rate cut and what it signifies for the U.S. economy as a whole, including the state of inflation, unemployment and overall growth. The discussion then shifts to answering forward-looking questions: What does this rate cut mean for the economy? How will this impact policymaking, wage pressure, and labor fragmentation? Finally, Clay and Marcello discuss how the Fed - specifically Chair Jerome Powell - may view the labor market and what moves may come from other global markets following the most recent rate cut. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
unbillable hours - a podcast about better professional services marketing
Some frameworks just sit in decks. Others do real work. They spark interest, guide delivery, and help consulting firms stand out with confidence... and in this episode, we dive into the kind that do exactly that—signature frameworks—with designer and methodology expert Charlotte Crowther. We unpack how to craft one that's not just smart… but strategic. So, iIf you've ever wondered what separates a slide from a system—this one's for you! Episode guest Charlotte Crowther, founder, SignatureFramework.com Credits Voices, production, etc. by Ash and Flo Creative and design advice by @calmar.creativ Into, outro voiceover for the unbillable hours podcast by @iamthedakota Music also by @iamthedakota
In this episode of Current Account, Clay is joined by IIF's Andrés Portilla, Managing Director of Regulatory Affairs, and Katie Rismanchi, Deputy Director of Regulatory Affairs, to talk about banking supervision - namely developments and recent trends in how supervision is approached across the globe. The discussion begins with a key question: Why is banking supervision important? The podcast continues with a discussion on the response to supervisory turmoil in recent years, issues and flaws within current supervisory procedures and processes, potential solutions to aid in increased supervisory effectiveness and transparency, how progress can be - and may already have been - measured and much more. For more information about this topic, read the IIF's recent paper on supervisory effectiveness here. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay is joined by Scott Lee, IIF's Deputy Director and Senior Counsel in the Digital Finance Department, to discuss recent developments in the world of digital asset regulation and legislation. Clay and Scott begin with the status and background on three pieces of digital asset legislation in the U.S.: The GENIUS Act, the CLARITY Act and the Anti-CBDC Surveillance State Act. Afterwards, the discussion shifts to the role of the Securities and Exchange Commission (SEC) and Commodity Futures Trading Commission (CFTC) in balancing regulatory authority, how jurisdictions outside of the U.S. are approaching digital asset regulation, what key signs are to come on the horizon and much more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
Subscribe here or wherever you get your podcasts. This episode's guide is Dr. Beth Barol, who specializes in positive, practical strategies that work specifically for neurodivergent individuals who may struggle with anxiety, depression, or challenging behaviors. She will be discussing the use of biographical timelines for helping to understand, build compassion for, and treat the most challenging children and adults.IIf you enjoyed this podcast, join NRBS for our annual conference, October 24-26 in New York City. Check out our free webinars and continuing eduction series.Please rate us and leave reviews. It really helps get us to more listeners.This podcast is produced by the Northeast Region Biofeedback Society. NRBS is an organization for professionals, students, and everyone interested in neurofeedback, biofeedback, and whole body health.Learn more about Dr. Saul Rosenthal at advancedbehavioral.care.Contact us at healthybrain@nrbs.org.Our theme music is Catch It by Coma-MediaThe Healthy Brain Happy Body logo was designed by Alexandra VanDerlyke. Our heartfelt thanks to her and the rest of the team at Collectively Rooted.#biofeedback #neurofeedback #nrbsMentioned in this episode:NRBS Conference 2025
In this episode of Current Account, Clay is joined by IIF's President and CEO, Tim Adams, to assess key takeaways from the first half of 2025, with an eye on major themes to keep track of for the remainder of the year. Tim begins by providing a brief highlight of his recent travels across the globe and their subsequent conversations before jumping into a host of crucial topics in the financial industry, such as the agenda for more simplified regulation and steps toward Basel III implementation in the U.S. and discussing the wide range of risks and challenges facing the industry at large. Tim and Clay also discuss how recent digital asset legislation - such as the GENIUS Act - is shaping the view of emerging and developing technologies, the role of global geopolitics and geoeconomics within the financial industry, how U.S. trade policy is viewed internationally and much more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
A question we've been hearing a lot at the All Things Sustainable podcast is: How do businesses sync their climate strategies with their financial decisions? In this episode, we bring you highlights from an event that dove into this question in detail: The inaugural S&P Global Sustainable1 Climate Summit hosted by the S&P Global Climate Center of Excellence. The center is home to world-class scientists dedicated to addressing the frontiers of long-term climate, environmental and nature research and methodology development. The June 5 Climate Summit in New York City convened many of those scientists alongside financial institutions and industry leaders to talk about translating climate science into actionable insights that inform investment and financial decision-making. In today's episode we talk to three speakers from the Summit: -Dr. Terence Thompson, the Chief Science Officer at the S&P Global Climate Center of Excellence; he explains the center's work and how it seeks to bridge gaps between stakeholders, including climate scientists, economists and financial institutions. -Sonja Gibbs, Managing Director and Head of Sustainable Finance at the Institute for International Finance, a global network of financial institutions; she explains how IIF members are thinking about climate risks and opportunities. -Aniket Shah, Managing Director and Global Head of the Sustainability and Transition Strategy team at Jefferies Group; he tells us why financial decision-makers need “data, not vibes” to drive their sustainability strategies. Listen to recent podcast interviews referenced in today's episode: Why businesses are going ‘back to basics' in sustainability strategies | S&P Global How HSBC is financing infrastructure for a low-carbon economy | S&P Global How EU proposals could change the sustainability reporting landscape | S&P Global Learn more about the Climate Center of Excellence | S&P Global This piece was published by S&P Global Sustainable1, a part of S&P Global. Copyright ©2025 by S&P Global DISCLAIMER By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.
We're back, friends! After a little podcasting pause (sometimes life throws a few curveballs and you just need a breather), Once Upon A Park is officially back in your ears, and we've missed you! This week, we're catching up on all the Disney magic we didn't get to talk about during our time away. From park news to trip recaps and everything in between, we're diving into the highlights we missed and giving you our takes, because you know we have opinions! Whether you've been keeping up or feeling out of the loop, this is the perfect episode to jump back in. Thanks for sticking with us, and get ready…because we've got some exciting things coming your way! Iif you're loving the show, we'd be so thankful if you could leave us a review! ⭐️⭐️⭐️⭐️⭐️IG: @OnceUponAParkPodcastErica IG: @TravelPlannerEricaJonny IG: @Darth.MouseEmail Us: OnceUponAParkPodcast@gmail.comReady to plan a trip to Disneyland or Walt Disney World? Or are you ready to set sail with Disney Cruise Line? I'd love to help! Visit my travel website at www.TravelPlannerErica.com
In this episode of Current Account, Clay is joined by two IIF colleagues, Garbis Iradian, Chief Economist for the MENA region, and Ivan Burgara, Economist, to give updates on the greater Middle East and North Africa (MENA) region and recent developments in oil markets. The discussion begins with a brief summary of recent events in the region before narrowing in on Egypt and how the country looks to bounce back thanks to recent investments, what the implications are of the U.S. tariff policy for MENA and its countries, why oil market prices have dropped as a whole, how the Trump administration aims to both increase production and keep low prices, and much more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay is joined by Ashok Bhundia, IIF's Deputy Chief Economist, to discuss developments in the U.S. Treasury markets in reaction to the recent implementations of tariff and trade policies by the United States. Clay and Ashok walk through the ripple effects of the April 2nd "Liberation Day" and ensuing seven-day tariff pause, how the market disruption compares to other shocks, reasons behind Bond market stability post-April 9th, why the Treasury market is important to the average consumer compared to the stock market, what potential measures may come in the short and medium terms, and much more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay recaps a busy week in Washington, centered around the 2025 Spring Meetings hosted by the IMF, World Bank and IIF. Clay begins by analyzing potentially the largest focal point of the meetings: Trade. To help elaborate on some of the discussions, the episode features a number of snippets from speakers at the IIF Global Outlook Forum, highlighted by U.S. Secretary of the Treasury Scott Bessent, who gave insight and perspective directly from inside the Trump administration. Other quotations feature perspectives from the private sector, sentiment in Europe and China, how markets have been and will continue to react, issues regarding U.S. banking supervision, and many more. Other discussions proved to highlight the continued importance of transition finance and its evolving role in the financial industry, emergence of artificial intelligence and digital payments across a variety of agendas, and much more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this episode of Current Account, Clay is joined by IIF's Martin Boer, General Manager and Chief Representative, Europe, to discuss some of the recent developments captivating the European economy. Joining Clay from Brussels, Martin is able to dive into a number of key areas of focus in the region, including the path of Europe on the road to greater growth and competitiveness, potential implications for the financial industry on a broader consumer level, how things may have shifted since President Trump recently took office, how the European Union is balancing its trade relationship with the U.S. and other major partners, what the near-term outlook may look like for the European economy and much more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
In this landmark 100th episode of Current Account, Clay is joined by IIF's Gene Ma, Head of China Research and Chief Representative of the Asia/Pacific Region, to provide an update on China. Fresh off of the "Two Meetings" sessions, Clay and Gene first provide an update on economic trends from China, before analyzing a potential shift to a more consumption-led economy, how China is responding to President Trump's tariff policy, other ripple effects on China's economy from the U.S.-China relationship and more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
The world's largest brewer, AB InBev posts record FY revenue but overall volumes fall. Washington and Kyiv are reportedly set to sign an agreement over critical mineral resources in Ukraine in exchange for yet unspecified U.S. support measures. President Donald Trump has seemingly confirmed that Ukrainian President Volodomyr Zelenskyy will travel to Washington to sign the deal later this week. Tesla's market cap slumps below $1tn as nearly all post-U.S. election stock gains have been cancelled out by a 25 per cent drop in share value. In Germany, Chancellor-in-waiting Friedrich Merz has said he will not tweak the country's strict debt brake rules. We hear from Bundesbank president Joachim Nagel who says it is important to remain flexible. And the IIF warns that global debt levels have reached $318tn in 2024. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this episode of Current Account, Clay is joined by IIF's Martín Castellano, Head of LatAm Research, to discuss recent economic developments in Mexico, fresh off a recent investor trip to Mexico City. The discussion centers around the impact of President Sheinbaum's initial few months in office, response to recent actions and discussions led by the Trump administration, Mexico's outlook for growth, overall economic trends in the region and more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
Hey there, JOY SEEKER! Welcome back for more Jenn Juice. I'm Jenn Zingmark, your LDS life and divorce coach, here to help you navigate the challenges of divorce with faith, grace, and resilience. Today, we're tackling an important topic—how to build a good relationship with your stepfamily. Whether you're navigating this as a new stepparent, a stepchild, or even a biological parent helping to merge two families, it can be an emotional and complex journey. Recently, I had a conversation with a young adult named Anthony, who is preparing for a big transition when his father gets remarried—gaining a stepmother and step-siblings. His situation is unique, just like every stepfamily dynamic is, but the principles of building a strong and positive relationship remain the same. IIf you're in a similar situation or know someone who is, I want to share some key takeaways from my conversation with Anthony that can help you approach a new family dynamic with empathy, patience, and clarity. If you're stepping into a blended family dynamic, just know this—you are not alone in this experience. Every stepfamily has challenges, but with patience, understanding, and a willingness to take things one step at a time, strong and meaningful relationships can develop. So, if you're feeling unsure about your role, take a deep breath and remind yourself that this is a journey. Relationships are built over time through small moments of trust, kindness, and shared experiences. To Anthony—and anyone else navigating this process—I want to say: Give yourself and your stepfamily grace. It won't always be easy, but with a little effort and a lot of patience, you can build a stepfamily dynamic that feels like home. Thanks for tuning in today! If you found this episode helpful, share it with someone who might benefit from it. Feel free to reach out if you have any experiences or questions about stepfamily relationships. I'd love to hear from you. Joy Seekers, you are stronger than you think. You are not alone. And you are capable of rebuilding a beautiful, faith-filled life after divorce. You have more power than you think; your future is yours to create. Until next time, take care and keep building relationships that matter. Until next time, keep seeking joy, holding onto your faith, and moving forward confidently! Bye, Yall! • Join my exclusive Life Coaching and Divorce Mentoring Program Faith Filled Divorce HERE: httpshttps:https://www.findthejoywithjenn.com/program-details • Get your FREE Podcast Atlas at: https://www.findthejoywithjenn.com/joy-in-the-journey-podcast • Make sure you are part of the Find the Joy With Jenn Fam! Follow me on Instagram: www.instagram.com/findthejoywithjenn/ • Join my FREE Facebook Community: www.facebook.com/groups/findthejoywithjenn • Thank you so much for listening to this episode! I'm honored and excited to be on this journey to healing and personal growth with you. If you enjoyed the podcast, I'd love to ask you to take 2 minutes to leave me a 5-star review on your podcast app; that way, we can help even more men and women find joy in their divorce journeys. You can win a $100 AMAZON GIFT when you do! Just send a screenshot of your review to jenn@jennzingmark.com. Make sure you put "Podcast Review" in the subject line. XO- Jenn
In this episode of Current Account, Clay is joined by IIF's new Deputy Chief Economist, Ashok Bhundia, to discuss economic developments amid South Korea's recent political events. Clay and Ashok recap key points over recent months before discussing the impact these events have on both monetary and fiscal policy, how markets have reacted to the political uncertainty, the forthcoming process to gain clarity on a political leader and much more. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
Today, we're diving into the often-intimidating world of selling high ticket offers. Let's face it: it's not just about putting a hefty price tag on your services and hoping for the best... We're going to explore how to create genuine transformative experiences that make clients feel like they're stepping into something truly special. I'll share how to articulate the real value of your offers so that your ideal clients can't resist investing in themselves. And then let's talk confidence..iIf you're wavering on your pricing, trust me, your clients will pick up on that. It's all about boosting your belief in the amazing transformation you provide. We also cover how to position your offer as an investment in your clients' futures, not just another expense. After all, nobody wants to feel like they're making an investment mistake! And if you're looking for some extra support, I've got 2 spots open for my four-week intensive, where we'll refine your unique brilliance and get you ready to attract those premium clients – linked below. Enjoy the listen! ___________________ INVITATION TO WORK WITH JOANNA Information on my 4-Week Intensive for coaches & healers ready to position themselves to attract premium, high-frequency clients.
In this episode of Season of Stuck, Deanna chats withDr. Michael Breus, aka “The Sleep Doctor,” on the connection between sleep and stuckness. During their conversation, they explore how poor sleep can lead to feelings of stuckness—and, on the flipside, how stuckness can contribute to poor sleep. Dr. Breus also shares actionable strategies on how to determine the best sleep schedule for your specific body, as well as changes you can make to consistently sleep according to that schedule—and get unstuck in the process.Tune in to learn about:How sleep is a fundamental component of overall healthCommon misconceptions about sleep duration and qualityStrategies for improving sleep The effect of consistency in sleep schedulesThe role of caffeine and alcohol in sleep qualityChronotypes and aligning sleep patterns with natural inclinationsThe right pre-bedtime habits—for getting better sleep *and* getting unstuckHow to create a supportive sleep environmentWhen poor sleep goes past being stuck—and requires professional helpThoughts from the episode:“When you talk to people who are stuck in any particular area, when you start to talk to them about their sleep, that is a topic that they're like, ‘Oh, I haven't thought about that! Maybe I should be thinking about that. What are some of the things I could do to be better at that?'”“Wake up based on your chronotype seven days a week consistently. Iif all you ever do is just do that, I can almost assure you your sleep will improve by 30 to 40%”.About Dr. Michael Breus:Dr. Michael Breus is a double board-certified Clinical Psychologist and Clinical Sleep Specialist. He is one of only 168 psychologists in the world to have taken and passed the Sleep Medicine Boards without going to Medical School.Connect with Dr. Michael Breus:On the web:The Sleep Doctor websiteTake the Chronotype QuizOn social media:Instagram: @thesleepdoctorX: @thesleepdoctor YouTube: @thesleepdoctorFacebook: @thesleepdoctorStay connected with Season of Stuck:Want more insights on how to make your journey from stuck to unstuck? Make sure to subscribe on Apple Podcasts, Spotify, or wherever you get your podcasts; you can catch new episodes every Tuesday.Want to make sure you never miss an episode? Visit seasonofstuck.com to get episodes delivered to your inbox. And for even more stuck-related content, make sure to follow us on Instagram @seasonofstuck.****DISCLAIMER**** Season of Stuck is for general information only and should not be considered health, financial, or any other type of professional advice. The views expressed by guests are their own and their appearance on Season of Stuck is not an endorsement. We do not verify the accuracy of the information that guests present. Adult language may be present. Our producer and host disclaim any liability arising out of your reliance on Season of Stuck. Please note that we may receive a commission should you choose to purchase any product or service using our website link to the products, services, and links featured on Season of Stuck and/or in related properties (including seasonofstuck.com and email communications).
⚡️Did You Know?! IRS and CRA have zero Authority - You Could
Chris Whitney is the Executive Director and co-founder of OneGenAway, an organization headquartered here in Franklin, Tennessee that rescues high-quality, surplus food from grocery stores, restaurants, farms, and caterers, and they redistribute that food to individuals and families who are experiencing food insecurity. In this episode Chris and I talk about: How God led he and his wife Elaine to move to Nashville How they started OneGenAway The stigma that is attached to failing How he grew OneGenAway from $1M to $27M in 10 years Mistakes he's made as a leader His distaste for the word "non-profit" To learn more about OneGenAway, visit https://onegenaway.com. This episode is brought to you by MADE SOUTH Cottages. Iif you're looking for a fun getaway in southeast Tennessee, check out MADE SOUTH Cottages We own a couple of tiny homes in a beautiful lakeside community in the Monteagle/Sewanee area. They're tucked in the woods, close to fun restaurants and local shops, tons of trails and waterfalls, and some excellent golf courses too. Just 90 minutes from Nashville, MADE SOUTH Cottages are super easy to get to, and they're affordable and pet-friendly! Book your stay today at https://madesouth.com/cottages.
Carey Bringle is most famously known as the head and face of Peg Leg Porker, the BBQ and Bourbon empire based here in Nashville, Tennessee. In this episode Carey and I talk about: His journey as an entrepreneur How he started his very first business - Carey B's Custom Tees - as a teenager The challenges of operating a family business How Carey has continued to grow as a leader and entrepreneur His advice for people looking to start their own business Building a legacy, and how important that is to him To learn more about Carey and Peg Leg Porker, visit https://peglegporker.com. This episode is brought to you by MADE SOUTH Cottages. Iif you're looking for a fun getaway in southeast Tennessee, check out MADE SOUTH Cottages We own a couple of tiny homes in a beautiful lakeside community in the Monteagle/Sewanee area. They're tucked in the woods, close to fun restaurants and local shops, tons of trails and waterfalls, and some excellent golf courses too. Just 90 minutes from Nashville, MADE SOUTH Cottages are super easy to get to, and they're affordable and pet-friendly! Book your stay today at https://madesouth.com/cottages.
IIf you've ever wanted to land high profile PR placements, THIS episode is for you! Getting placed in the media is easier than you think. In this episode, Kelly and Susie Moore dive into the world of strategic PR, sharing the simple methods she uses for those seeking to leverage the power of publicity to establish authority and grow their brand. Susie & Kelly share growth methods for landing placements and optimizing your opportunities. They discuss navigating the world of working with publicists and large media corporations, and share their method for getting in front of other people's audiences. Whether you are just getting started or a seasoned entrepreneur, this episode will help you land the PR opportunities that put you on the map. Also in this episode: ✔️The accessibility of media in 2024 & the opportunities for getting featured in publications ✔️Methods for leveraging the power of publicity to establish authority and grow your brand strategically. ✔️Kelly's “OPA” Tactics: A tactic for breaking into new audiences and leveraging them to optimize your own brand. ✔️Pros and cons of working with publicists, equipping you to confidently build your brand. Check out Susie's “Overnight Rockstar webinar” to become your own publicist. https://getrockstarpr.com/kelly/ Download Kelly's Business Reinvention Playbook Here! https://thekellyroach.com/reinvention Learn more about the Overnight Rockstar Webinar: https://getrockstarpr.com/ Subscribe to the Let It Be Easy podcast: https://susie-moore.com/podcasts/ Stay Connected With Kelly Roach: Instagram | LinkedIn | Facebook | Youtube | Kellyroachcoaching.com | Email: kelly@kellyroachcoaching.com Grab One Of Kelly's Roach's Bestselling Books: Unstoppable: 9 Principles for Unlimited Success in Business and Life Conviction Marketing Bigger than You: The Entrepreneur's Guide to Building an Unstoppable Team