Podcasts about Insolvency

Social Security trustees predict the retirement trust fund is now projected to run dry a full year earlier than previously forecast, in just 2032. What got us here, and what does Congress need to do about it? Can we keep pushing insolvency forward forever?And: where does good government end and dangerous negligence begin? The Belfast riots are the latest example of a Western government that suppressed legitimate debate about immigration and crime, and now things are boiling over.Finally, related to our main topic but separated by over 250 years: the Intolerable Acts of 1774 pushed the colonies past the breaking point, despite an attempt at reconciliation in the Olive Branch Petition, which King George ultimately refused to even read.And on UNHINGED: Democrat staffers scrambling to spin the Platner story are making it so much worse. You almost have to feel bad for them.The Heartland Institute's Linnea Lueken, Jim Lakely, S.T. Karnick, and Chris Talgo will talk about all of this and more on Episode #540 of the In The Tank Podcast.Join us LIVE at 1 p.m. ET on YouTube, Rumble, X, and Facebook.Visit our sponsor, Advisor Metals: https://climaterealismshow.com/metals In The Tank broadcasts LIVE every Thursday at 12pm CT on on The Heartland Institute YouTube channel. Tune in to have your comments addressed live by the In The Tank Crew. Be sure to subscribe and never miss an episode. See you there!Climate Change Roundtable is LIVE every Friday at 12pm CT on The Heartland Institute YouTube channel. Have a topic you want addressed? Join the live show and leave a comment for our panelists and we'll cover it during the live show!

We've heard the same warning for decades now: Social Security is running out. Just yesterday, we learned Social Security could become insolvent by 2032… much faster than previously thought. Among the reasons for this drop are stiffening immigration policies and tax cuts. So if Social Security actually does run low on money -- or fully runs out -- what would that look like? Deseret News opinion editor Jay Evensen joins Inside Sources to share his thoughts.

Hour 3 - Under the current Legislature and White House, the target year for Social Security insolvency is down to 2032.

Wedding planning can be stressful at the best of times but for couples preparing to tie the knot in Tenerife many are facing a nightmare...They received an email that a local wedding planner was filing for insolvency and all of their wedding plans were gone – including the thousands of euros paid in deposits!Bride-to-be Sorcha McManigan has been impacted by this, and joins Andrea, as well as listeners, to discuss.

Doug Hoyes is an Insolvency trustee Learn more about your ad choices. Visit megaphone.fm/adchoices

0:11 - An Alberta judge has thrown out the petition for a separation referendum. 12:16 - Danielle Smith rejects Alberta judge's ruling against separation petition as ‘anti-democratic'. Do you agree? 19:16 - Will Alberta still vote on separation? We take you calls and texts. 31:09 - We take your calls and texts on separation. 39:02 - Are Canadians reaching their 'breaking point'? New data shows more people filing for insolvency. 49:57 - We continue with your thoughts on the judge's ruling. Learn more about your ad choices. Visit megaphone.fm/adchoices

May 12, 2026: Your daily rundown of health and wellness news, in under 5 minutes. Today's top stories: Jesse & Ben's raises $10M to expand tallow-based frozen fries into 1,500+ retail locations including Whole Foods and Sprouts as seed oil debate goes mainstream Whoop plans in-app telehealth launch this summer integrating medical records, bloodwork, and wearable data with physician-guided care backed by Abbott and Mayo Clinic Aescape enters insolvency proceedings after selling assets for ~$16M with $150M+ in unpaid debts, highlighting capital intensity challenges in wellness hardware More from Fitt: Fitt Insider breaks down the convergence of fitness, wellness, and healthcare — and what it means for business, culture, and capital. Subscribe to our newsletter → insider.fitt.co/subscribe Work with our recruiting firm → https://talent.fitt.co/ Follow us on Instagram → https://www.instagram.com/fittinsider/ Follow us on LinkedIn → linkedin.com/company/fittinsider Reach out → insider@fitt.co

I sit down with Tom Gober, a Certified Financial Examiner and Certified Fraud Examiner with 41 years of experience, to discuss the growing problem of private equity, fraud, and reinsurance in the life insurance industry. Tom Gober spent 12 years working with the FBI, uncovering major insurance schemes. Now he's blowing the whistle on the riskiest company, Athene Annuity and Life Company, who's controlled by the massive private equity group, Apollo.Watch the Interview on Youtube for Visuals - https://youtu.be/ftKy6WeTDkIWant Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-reviewBuy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summitConnect with Tom Gober: https://www.linkedin.com/in/tom-gober-1a827235/Learn More About BetterWealth: https://betterwealth.comChapters:00:00 - Interview Teaser 01:38 - Guest Introduction: Tom Gober 02:31 - Biggest Concerns About The Insurance Industry 03:08 - Capital Surplus 04:16 - Risks of Offshore and Captive Reinsurance 07:42 - Traditional vs. Modern Reinsurance 16:22 - Mutual vs. Stock and Private Equity Insurance Companies 23:44 - Consequences of Insolvency 26:48 - Tom Gober's Backstory: Going Undercover *State Examiner *12-Year Collaboration *Reinsurance Schemes 41:15 - Difference Between Banking Regulation and Insurance Regulation 42:33 - Special Purpose Vehicle (SPV) 47:55 - Why Captives Could Be A Valuable to Insurance Companies 57:03 - The Private Equity "Amplifier" 01:07:43 - Concerns Over Ratings and Loan Covenants 01:13:40 - Deep Dive: Analysis of a Major Carrier 01:24:09 - Excessive Affiliated Investments 01:31:56 - Advice for Consumers and Advisors01:39:29 - Final ThoughtsDISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Irish businesses are facing growing financial pressure, with new figures showing insolvency levels remain high and risks around late payments and cashflow continuing to mount. Sectors like retail and hospitality are particularly exposed, while uncertainty in the wider economy is making trading conditions more challenging. To discuss what's driving these trends and how businesses can protect themselves, Alan Morrissey was joined by Michael Henchy from Campion Insurance on Wednesday's Morning Focus.

Stephen Grootes speaks to Gareth Cremen, Partner in the Business Restructuring, Rescue & Insolvency team at Cox Yeats, about whether South Africa’s business rescue framework is unintentionally creating “zombie companies” that survive on state support with little prospect of long-term recovery. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 to 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

This episode of Fresh Perspectives explores what restructuring and insolvency actually mean for business owners, why early advice makes all the difference and what options exist long before a company reaches the point of no return. Rob Brown is joined by Matthew Richards, Joint Head of Restructuring and Insolvency at Azets, to discuss the current pressures facing UK businesses and why rising costs, national insurance changes and global uncertainty are keeping insolvency professionals busier than they have been in years. Matt explains the difference between restructuring and insolvency, why the two are more closely related than most people think and what tools are available to directors who act early. We explore what wrongful trading means and why directors can be personally liable if they continue trading without a realistic prospect of survival. Matt walks through the practical steps any business owner can take right now, including how to build a 13-week cash flow, how to sensitise a forecast and when to have a conversation with a specialist. The episode also covers the emotional weight of financial difficulty, why most business failures are not the owner's fault and how insolvency can sometimes be the beginning of something new rather than the end. You can connect with Matthew Richards on LinkedIn. +++ Fresh Perspectives is the business podcast from Azets where advisers, experts and leaders share fresh thinking to help you move forward with confidence. Each episode explores real-world challenges and opportunities for business owners and entrepreneurs, from finance and growth to leadership and technology. Formerly Bang The Drum, the show continues Azets' commitment to sharing practical advice, new ideas and inspiring stories from across the business community. This podcast has featured at #1 in the Apple Podcast charts for Management podcasts and #19 in the Apple Podcasts charts for Business podcasts. Follow and subscribe to Fresh Perspectives on your favourite player, leave a review and share it with others who you think might enjoy it. Find more about Azets at www.azets.com. Contact us at podcast@azets.co.uk.

A simple tax question turns into a bigger realization: even if you don't owe income tax, you can still owe thousands in self-employment tax. Brian and Alex break down why a new graduate's tax bill didn't disappear after the standard deduction—and how Social Security and Medicare taxes quietly hit 1099 income at ~15%, catching a lot of people off guard. They shift into the real math behind Social Security—how a system that started at 1% contributions grew to over 15%, why it's under pressure, and what would actually have to change to keep it functioning. They challenge common fears around "running out of money" while explaining why the system is more likely to be altered than disappear. The duo also tackles concentrated stock risk, using a long-term Micron example to illustrate the tension between holding winners and having a plan to exit. A standout segment features a recent widow navigating retirement with limited assets, raising key questions around survivor benefits, Social Security timing, and turning $250K into sustainable income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Brian Wiley & Alex Lundgren ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The direct toll of the Middle East crisis is an additional 7000 insolvencies in 2026, according to our latest Global Insolvency Report. This week our AI Assistants Aria and Bob explain which regions are particularly at risk, and what could go wrong. This content was generated by AI with the oversight of Allianz Research.

In today's episode on 17th April, we oversimplify the new amendments to the Insolvency and Bankruptcy Code (IBC). But just a heads up before we dive in. This is one of those stories that's going to be a long read.Sign up for FREE insurance masterclass by Ditto

Charles St-Arnaud, chief economist at Servus Credit Union, examines Canada's rising insolvency rates. He explains how current trends differ from the 2008 financial crisis and explores the financial pressures facing Canadian households—including inflation, interest rates, and regional variations. He highlights the crucial role employment stability plays in preventing a deeper crisis and addresses emerging risks from energy price shocks and potential second-round inflationary effects.Subscribe to The Hub's podcast feed to get all our best content:https://tinyurl.com/3a7zpd7e (Apple)https://tinyurl.com/y8akmfn7 (Spotify)Watch a video version on YouTube: https://www.youtube.com/@TheHubCanadaFollow The Hub on X: https://x.com/thehubcanada?lang=enCREDITS:Amal Attar-Guzman - ProducerElia Gross - EditorFalice Chin - HostAngela Gzowski/The Canadian Press - Photo Credit Hosted on Acast. See acast.com/privacy for more information.

Motheo Khoaripe speaks to Dr Eric Levenstein, Head of Insolvency & Business Rescue about how South Africa’s sharp fuel price increases are escalating operating costs, accelerating cash‑flow pressure and becoming a critical trigger for financial distress across key sectors. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

John Melluish, CEO of ARITA, joins The Cut to unpack the current state of Australia's insolvency landscape. From his early experience during the insolvency cycles of the 1980s to now leading the industry's peak body, John shares perspectives on how the profession has evolved — and where it is heading. The discussion explores the post-COVID rebound in insolvency activity, the increasing role of the ATO and the potential for further pressure in the personal insolvency space. John also reflects on the role of insolvency practitioners, including areas where their responsibilities are not always well understood, and how this intersects with stakeholder expectations. The conversation also covers insolvency reform, education pathways and the challenges of modern regulation, including AML obligations. Key Points Why insolvency activity is rising again The role of liquidators and common areas of misunderstanding What's next for insolvency reform in Australia The ATO's influence on market dynamics Timestamps: [00:00:00] The core AML problem: who is the "client"? [00:01:00] John Melluish's appointment as AITA CEO [00:02:00] Career beginnings and insolvency boom in the 80s [00:03:10] Borders collapse and the impact of online retail [00:04:45] AITA's role and industry coverage [00:05:30] Revenue model: membership, events, education [00:06:20] Shift to Registered Training Organisation (RTO) [00:09:00] Insolvency reform: challenges and opportunities [00:11:30] Post-COVID insolvency trends and ATO impact [00:16:00] Complaints, creditors, and public misunderstanding Links: John Melluish Linkedin Simon Cathro's Linkedin Andrew Blundell Linkedin ARITA website

PwC's latest Insolvency Barometer shows that there were 212 insolvencies recorded in the first quarter of this year. Ken Tyrell Head of Insolvency at PwC discusses the findings with Emmet.

America's biggest retirement program is heading toward a financial cliff. Within the next decade, Social Security could face automatic benefit cuts of more than 20 percent if Congress does nothing. Click on the podcast to hear from fiscal policy expert […] The post Securing Social Security Before Insolvency first appeared on Voices of Montana.

Nifty posts worst FY26 close as West Asia war enters week five, Rupee bleeds past 95 Markets ended the final session of FY2026 sharply lower on Monday, with the Nifty 50 falling 488 points or 2.14 per cent — marking a loss of 5.05 per cent for the full financial year — as the US-Iran conflict entered its fifth week without any credible pathway to resolution, and crude oil holding above $100 a barrel. It was the worst monthly decline for equities in six years while the Nifty50 ended nearly at a one-year low and the Sensex at a 2-year low. The Sensex fell 1,636 points. India VIX surged to an intraday high of 28.79 before settling near 30. The Nifty opened gap-down at 22,549, briefly touched 22,714, then slid to a session low of 22,283. This was the eighth session in the March expiry series where the index closed with losses exceeding 1 per cent. India 10-year bond yield tops 7%, sees biggest monthly surge in 9 years Indian government bonds slumped on Monday, closing out a rough financial year, with the 10-year ​benchmark bond yield posting its biggest monthly spike in nine years, on ‌bets that a protracted Middle East war would upend the ​government's fiscal plans and as the rupee plunged past ⁠95 per dollar. The 10-year bond yield breached the 7% level for the first time since July 2024 and ended 9 basis points higher ‌at 7.0345%, its highest since May 2024. The yield jumped 37 bps in March, the biggest such move since ‌February 2017. The rupee plunged to a low of 95.21 ‌against ⁠the dollar on Monday, while stocks also tanked. Bonds were caught ⁠in a sharp selloff across the country's markets that included surging swap rates as investors weighed the risks of the Middle East war escalating further, which ​could hurt growth and stoke inflation ‌for net energy importer India. Fertilizer sales spike in March, surpassing monthly estimates and previous year totals Farmers appear to be stockpiling fertilizers as government sales data for March shows a sharp spike in demand. By March 23, the volume of crop nutrients purchased had already overtaken the estimated demand for the full month and surpassed sales from the same period last year. As much as 20.21 lt of urea was sold during February 28-March 23, as against 16.2 lt in the whole of March 2025 and against estimated demand of 14.96 lt for the month. Similarly, 4.78 lt of DAP was sold between February 28 and March 23, against an estimated demand of 2.43 lt for the whole of March 2026, while 1.58 lt of MOP was sold against 1.8 lt of estimated demand, and 7.22 lt of complex was sold against 7.05 lt of estimated demand, reports Prabhudatta Mishra. Committee of Creditors to record reasons for selection of successful resolution applicant under IBC The amended Insolvency and Bankruptcy Code (IBC) framework sharpens transparency norms by requiring the Committee of Creditors (CoC) to record detailed reasons for selecting the successful resolution applicant, a move Finance Minister Nirmala Sitharaman said would strengthen accountability in the resolution process and reduce litigation over bid selection. The provision forms part of the Insolvency and Bankruptcy Code (Amendment) Bill, 2025, passed by the Lok Sabha on Monday after being reworked in line with the recommendations of a Select Committee. Replying to the debate, Sitharaman said the government had accepted all 11 recommendations of the committee and added an additional transparency clause of its own, reports Shishir Sinha.

Gareth Cremen from local law firm Cox Yeats joined Clarence to unpack the precedent-setting judgement SCA ruling when it comes to providing clarity on the treatment of cross-border insolvency matters in South Africa. Views and News with Clarence Ford is the mid-morning show on CapeTalk. This 3-hour long programme shares and reflects a broad array of perspectives. It is inspirational, passionate and positive. Host Clarence Ford’s gentle curiosity and dapper demeanour leave listeners feeling motivated and empowered. Known for his love of jazz and golf, Clarrie covers a range of themes including relationships, heritage and philosophy. Popular segments include Barbs’ Wire at 9:30am (Mon-Thurs) and The Naked Scientist at 9:30 on Fridays. Thank you for listening to a podcast from Views & News with Clarence Ford Listen live on Primedia+ weekdays between 09:00 and 12:00 (SA Time) to Views and News with Clarence Ford broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/erjiQj2 or find all the catch-up podcasts here https://buff.ly/BdpaXRn Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk56See omnystudio.com/listener for privacy information.

We're back for another war analysis but this time we're going to be focusing on the economic aspects and contradictions regarding the latest military misadventure in West Asia. Boots on the ground, market manipulations and the fun insanity of everyday existence. Enjoy y'all!

The conversation follows Michel Durand-Wood's path from noticing small local cuts—closed pools, rising taxes—to understanding his city as structurally insolvent. Along the way, he and Chuck talk about grants, debt, Canadian and U.S. examples, and why efficiency alone hasn't fixed anything. Additional Show Notes Dear Winnipeg (Site) You'll Pay For This! (Book) Chuck Marohn (Substack)   This podcast is made possible by Strong Towns members. Thank you!

Hartford Mayor Arunan Arulampalam joins us to talk about the crisis of Hartford Public Schools as the budget deficit is at 70 million dollars.

The Chicago Tribune is covering the Delaware bankruptcy of BlockFills, which is described as a Chicago-based cryptocurrency trading firm. See, for example :Chicago-based crypto trading firm BlockFills files Chapter 11 bankruptcy; Blackhawks among the creditorsPushed over the edge by recent customer lawsuits and a “crypto winter” that saw Bitcoin valuation halved, Chicago-based cryptocurrency trading firm BlockFills filed for Chapter 11 bankruptcy protection Sunday in a Delaware court.BlockFills, which suspended customer withdrawals Feb. 6 amid liquidity issues, chose the path of voluntary reorganization after being unable to find a buyer or an investor to help recapitalize the cryptocurrency firm, which was more than $100 million in debt, according to the filing.The Chicago Blackhawks are listed in the filing among the largest unsecured creditors. The debt is from a corporate marketing sponsorship by BlockFills, according to the team....For more see:By Robert Channick | rchannick@chicagotribune.com | Chicago TribunePUBLISHED: March 17, 2026 at 7:46 AM CDT | UPDATED: March 17, 2026 at 3:26 PM CDTCrypto trading firm BlockFills files Chapter 11 bankruptcy

In the 6 AM hour, Larry O'Connor and Bethany Mandel discussed: MCAULIFFE RUN: Former Virginia First Lady Dorothy McAuliffe announces her candidacy for Congress in Virginia's potential new 7th District, positioning herself as an anti-ICE leader. CANCEL CULTURE: Actress Katherine Heigl faces backlash from fans for attending a dog rescue event at Mar-a-Lago; she hit back by stating, "Animals don’t vote." SOCIAL SECURITY: New warnings that Social Security could be insolvent within six years, driven by a shrinking worker-to-retiree ratio and increased life expectancy. LYNCHBURG ICE: The Lynchburg City Council unanimously votes to continue full cooperation with ICE, defying Governor Spanberger’s statewide sanctuary directives. Where to find more about WMAL's morning show: Follow Podcasts on Apple Podcasts, Audible, and Spotify Follow WMAL's "O'Connor and Company" on X: @WMALDC, @LarryOConnor, @JGunlock, @PatricePinkfile, and @HeatherHunterDC Facebook: WMALDC and Larry O'Connor Instagram: WMALDC Website: WMAL.com/OConnor-Company Episode: Thursday, March 12, 2026 / 6 AM HourSee omnystudio.com/listener for privacy information.

In this episode, we break down the bigger picture behind Native Instruments' insolvency news and why it matters far beyond just one company. From developer risk to customer trust, platform dependency, and the future of plugin ecosystems, this is a conversation the entire audio industry should be paying attention to.If you make music, mix records, build plugins, or rely on audio software every day, this topic hits closer than you might think.➡️ Get Our Rosetta Plugins: https://helpmedevvon.com/s/rosettaseries➡️ The Black Vortex Plugin: https://helpmedevvon.com/s/theblackvortex➡️ Our Site With Goodies: https://helpmedevvon.com/s/helpmedevvon➡️Buy From Sweetwater: https://cutt.ly/7hamejT _________________________________________________________ ▶ JOIN OUR COMMUNITY HERE: ➡️ Become A Member Of This Channel To Access Perks:https://thehmdcircle.com➡️Instagram: https://instagram.com/helpmedevvon➡️Twitter: https://twitter.com/helpmedevvonEmail Me: helpmedevvon@gmail.com #mixing #mastering #tutorial

LOUNGE LIZARDS PRESENTED BY FABRICA5 - Brilliant Honduran Cigars - Visit Fabrica005.com and use code LIZARDPOD at checkout for 10% off THE ENTIRE STORE! Free worldwide shipping from Miami on all orders over $125. See website for more information and terms.SMALL BATCH CIGAR - SAVE 15% - Exclusive Cigar Retail Partner of the Lizards - Visit SmallBatchCigar.com and use code LIZARD15 for 15% off your order. Free shipping and 5% rewards back always. Standard exclusions apply. Simple. Fast. Small Batch Cigar.Recorded at Ten86 Cigars in Hawthorne, New Jersey, the Lizards pair the Cohiba Ambar with twelve year aged Abuelo rum. The guys answer a listener email on their favorite destination smoking spots, they discuss the Tabaclera S.L.U. bankruptcy and they somehow find their way into Bam's use of handkerchiefs and sinus maintenance.PLUS: Lizard Favorite Destination Smoking Spots, Cuba's Blending Process Debate, New Ratings Guide Announcement, LOTW Winners Update, Tabacalera S.L.U. Insolvency, Hoyo's 160th & MoreJoin the Lounge Lizards for a weekly discussion on all things cigars (both Cuban and non-Cuban), whiskey, food, travel, life and work. This is your formal invitation to join us in a relaxing discussion amongst friends and become a card-carrying Lounge Lizard yourself. This is not your typical cigar podcast. We're a group of friends who love sharing cigars, whiskey and a good laugh.website/merch/rating archive: loungelizardspod.comemail: hello@loungelizardspod.com to join the conversation and be featured on an upcoming episode!instagram: @loungelizardspodGizmo HQ: LizardGizmo.com

The numbers tell a story of deferred pressure. Consumer insolvency filings in Ontario were essentially flat in 2025, but our latest Joe Debtor study shows debt is still rising as Canadians layer on borrowing across more accounts, cards, and lenders. Doug Hoyes and Ted Michalos look at how these numbers point to a structural shift in the Canadian economy, how "death by a thousand minimum payments" keeps people treading water, and what today's data suggests about the pressure building for the year ahead. Read the Hoyes Michalos 2025 Joe Debtor Study Ontario Debt Relief Starting Point Free Budgeting Workbook Debt Relief Calculator Subscribe to Debt Free Digest Learn more about Canadian debt relief on the Hoyes Michalos YouTube channel 1:05 – What is the Joe Debtor study? 3:20 - Debt layering explained: more accounts, bigger balances, record unsecured debt 7:10 - Credit cards, number of creditors, and the payday loan trap 10:45 - Structural pressure vs temporary problems 14:05 - Pressure #1: food inflation 16:40 – Pressure #2: job unemployment and income instability 19:10 - Pressure #3: high debt, housing, and homeowners showing up in insolvency 21:55 - Why insolvencies haven't surged (yet) 24:30 - Bankruptcies vs consumer proposals – a shift is happening 26:40 - 2026 outlook and practical advice Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

With a finance career spanning 40 years, from the policy halls of the Reserve Bank of Australia to corporate lending, Matt 'The Cashman' Erwin is now helping SMEs access finance to better manage their cash flow and turn around their businesses. In this episode of Elite Broker, Annie Kane sits down with the Cashman Consulting director to unpack how he helps business owners rescue their reputations and operations when facing the threat of insolvency and how he uses his "The Cashman" persona to differentiate his brand. Tune in to find out: How he transitioned from the RBA to building a specialised cash flow brokerage. What his "money tool" philosophy is and how it helps SMEs better manage cash flow. How he manages his pipeline of working capital and asset finance solutions. And much more!

Sac City Unified is again facing a budget crisis and the threat of insolvency. Ongoing lawsuits against the Coyote Creek solar project. Finally, the In a Nutshell storytelling series returns for a new year.

Today my guest is Renuka Sane who is the managing director of Managing Director of Trustbridge. An institution that seeks to improve India's business environment by improving the rule of law. Renuka was a member of many expert committees including: the Task Force of Experts set up by the Employees Provident Fund Organisation; the research team of the Bankruptcy Legislative Reforms Commission; the Pension Advisory Committee of the Pension Fund Regulatory Development Authority; and the Working Group on personal insolvency at the Insolvency and Bankruptcy Board of India. She received a Ph.D. in Economics from the University of New South Wales.  We talked about the old, new, and unified pension scheme and related reforms over the last few decades in India, India's broader financial regulation framework, separation of powers in regulatory authorities, the way regulatory orders are written, and much more.  Recorded December 17th, 2025. Read a full transcript enhanced with helpful links. Learn more about The 1991 Fellowship. Connect with Ideas of India Follow us on X Follow Shruti on X Follow Renuka on X Click here for the latest Ideas of India episodes sent straight to your inbox. Timestamps (00:00:00) - The 1991 Fellowship (00:01:09) - Intro (00:02:49) - India's Pension System (00:35:42) - Private Sector Pension Schemes (01:06:28) - Regulatory Orders (01:24:03) - Improving Transparency at the Reserve Bank of India (01:34:57) - Outro  

Debt is at record highs, yet insolvencies are flat. Why? In this episode of Debt Free in 30, Licensed Insolvency Trustees Doug Hoyes and Ted Michalos explain a financial paradox that's leaving millions of Canadians stressed, exhausted, and confused. The answer isn't that people are okay. It's that people are enduring. If you're paying your bills but still feel like you're drowning, this episode is for you. Coming Up Next Next episode: a special double episode with David Chilton (The Wealthy Barber) — a practical conversation about money, debt, and what Canadians are really facing heading into 2026.  2025 Predictions Show Office of the Superintendent of Bankruptcy, Insolvency Statistics Statistics Canada, Household debt levels (including credit cards) Statistics Canada, CPI (Inflation) Mortgage Rates, Bank of Canada Hoyes Michalos Homeowners Bankruptcy Index TransUnion, Canadian Consumer Debt Continues to Grow Despite Macroeconomic Relief Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario In This Episode, You'll Learn: · Why people don't file when debt rises — they file when cash flow breaks · How inflation pushed credit card balances higher without immediate defaults · Why paying the minimum isn't a solution — it's a delay · How balance transfers and mortgage equity are masking financial stress · Why insolvencies tend to stay flat, then jump · What would trigger a surge in personal insolvencies · Our 2026 insolvency predictions for Ontario · Why relief isn't failure — and how getting advice early preserves options (00:00) You're Not Failing — You're Enduring (02:30) Debt Is Exploding, So Why Aren't Bankruptcies Rising? (05:20) People Don't File When Debt Rises — They File When Cash Flow Breaks (08:10) Why Credit Card Debt Is Rising Without Defaults (11:00) Paying the Minimum Is Buying Time — Not Solving the Problem (14:00) Who's Carrying the Debt Now (And Why That Matters) (17:10) Why Inflation Changed How Insolvencies Work (20:20) The Hidden Delay: Interest Rates Haven't Fully Hit Yet (23:40) Mortgage Equity Is Masking Financial Stress (27:00) Why Insolvencies Don't Rise Gradually — They Snap (30:00) Why Convexity Shows Up Later (32:40) The Paperclip Effect: Endurance vs. Breaking (34:10) What Would Trigger a Surge in Insolvencies? (35:30) Our 2026 Insolvency Predictions (38:00) Relief Isn't Failure — It's a Reset Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Speaker: Associate Professor Aurelio Gurrea-Martínez (Singapore Management University)Abstract: Despite the influence of the Global North in many insolvency laws and practices in the Global South, this article shows that the Global South has innovated in many aspects of insolvency law. In some cases, these innovations consist of solutions that, with certain adjustments, have been imported from the Global North. In others, they are really ‘autochthonous innovations' from the Global South. This article identifies both types of innovations, providing examples from jurisdictions such as Brazil, Chile, China, Colombia, Dominican Republic, India, Malaysia, Mexico, Myanmar, Peru, Philippines, Thailand and Uruguay. More importantly, it will be shown how those innovations from the Global South can help mitigate certain problems existing in many insolvency systems in the Global North, such as the excessive power of DIP lenders often observed in the United States, the lengthy and inefficient insolvency proceedings found in many European countries, the unattractive insolvency regime for debtors existing in countries like Australia and New Zealand, and the stigma of insolvency still observed in most jurisdictions around the world, including advanced economies with sophisticated insolvency frameworks such as Singapore. Therefore, whether it is for the much-needed purpose of improving the design of insolvency law in the Global South, or at least for expanding the universe of ideas that can help improve many insolvency systems in the Global North, the Global South – and the Global South beyond India and China – needs to be more actively included in the study of insolvency law. Otherwise, we will be missing the opportunity to learn from many ideas and innovative solutions that can contribute to the improvement and understanding of insolvency systems around the world.3CL runs the 3CL Travers Smith Lunchtime Seminar Series, featuring leading academics from the Faculty, and high-profile practitioners.For more information see the Centre for Corporate and Commercial Law website:http://www.3cl.law.cam.ac.uk/

This seems like it could be one of those cases that is structured backwards, or as some English practitioners refer to the backwards case structuring - round tripping of the U.S. debt. The court closes the hearing with that parties shouldn't rely on what the court did in this case as precedent for future cases.Per Google AI:Fossil (UK) Global Services Ltd. is a UK subsidiary of the fashion accessories company Fossil Group, Inc. that has recently been involved in a debt restructuring. It is now the entity used for the UK restructuring plan which was sanctioned by the High Court of Justice in England and Wales, and also recognized by a U.S. bankruptcy court. The restructuring plan involved canceling $150 million in unsecured notes and issuing new notes to create a more durable capital structure. Purpose: The entity was created to implement a restructuring plan in the UK to deal with the company's debt.Restructuring details: The plan was a court-sanctioned restructuring of $150 million in unsecured notes, with the High Court sanctioning the plan in early November 2025.International recognition: Fossil (UK) Global Services Ltd. also sought and received recognition of its UK restructuring plan from a U.S. bankruptcy court under Chapter 15 of the U.S. Bankruptcy Code. This ensures the plan is binding on U.S. creditors.Legal status: The company was registered in the UK on August 8, 2025. It is a private limited company with a registered office in Milton Keynes.Information: For investors holding the notes, an information agent is available for password-protected website access, and more information can be found on the Fossil Group's investor relations page.

Many businesses that limped through the pandemic are now going under. Insolvency practitioners have been reporting a sharp rise in the number of insolvencies since mid-2022. Smaller retail, hospitality, construction, transport and manufacturing operators are failing far more now, than they were before the pandemic. BWA Insolvency Founder Bryan Williams told Mike Hosking that many have burned through assets to survive. He says almost every file that comes across his desk is a business that has almost no assets remaining, and has been using all its assets to survive. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Midori Yamaguchi is a Senior Associate at Mori Hamada & Matsumoto in Tokyo whose career spans Singapore, the US, and Japan. We hear about her two-year secondment to METI (Ministry of Economy, Trade and Industry), where she was the only lawyer on the legislation drafting team where she helped create Japan's new pre-insolvency regime - literally dreaming about the law every night. If you're contemplating a step off the well trodden career path of private practice, and think it's not possible to come back on track, or if you are seeking inspiration, this episode is for you.If you enjoyed this episode and it inspired you in some way, we'd love to hear about it and know your biggest takeaway. Head over to Apple Podcasts to leave a review and we'd love it if you would leave us a message here!In this episode you'll hear:How Midori's father shaped her values of fairness and honestyThe pivotal role of taking opportunities based on enjoyment rather than fearPowerful lessons from working across Singapore, the US, and JapanPractical strategies for building visibility in Japan's humble culture, including why putting your skills on display, isn't self-promotion About MidoriMidori Yamaguchi is a Senior Associate at Mori Hamada & Matsumoto in Tokyo, where she specialises in restructuring and insolvency as well as dispute resolution. She is qualified in both Japan and New York.Her practice has a strong cross-border focus: she has worked in the firm's Singapore office, spent time at a U.S. law firm, and completed an LL.M. at New York University. Most recently, she concluded a secondment at Japan's Ministry of Economy, Trade and Industry, where she was involved in drafting legislation to introduce a new pre-insolvency regime.Recognised in Best Lawyers: Ones to Watch in Japan for Arbitration and Mediation in 2022, she is regarded as a rising expert in international legal matters.She actively contributes to the international restructuring and insolvency community through her regular publications and involvement with leading global organisations, including INSOL International as an INSOL Fellow, the International Insolvency Institute (III) as a NextGen member, the International Women's Insolvency & Restructuring Confederation (IWIRC), the Insolvency Section of the International Bar Association (IBA), and the American Bankruptcy Institute (ABI).She has an LL.B. from Hitotsubashi University and J.D. from Hitotsubashi Law School.Outside of work, she enjoys traveling abroad, scuba diving, and exploring Tokyo's traditional public bathhouses.Connect with MidoriLinkedIn: https://www.linkedin.com/in/midori-yamaguchi-3364a3222/  Firm: https://www.morihamada.com/en/people/midori-yamaguchiLinksGinza Music Bar: https://ginzamusicbar.com/ METI, Ministry of Economy, Trade and Industry: https://www.meti.go.jp/english/ Connect with Catherine LinkedIn https://www.linkedin.com/in/oconnellcatherine/Instagram: https://www.instagram.com/lawyeronair

FTX's bankruptcy left hundreds of thousands of customers waiting for money while nearly $1 billion goes to legal fees. Inside the convoluted process of the FTX Bankruptcy. Investigative reporters Jonathan & Sophie dive much deeper into what happened *after* SBF was ousted. Hundreds of thousands of individual customers became creditors, getting paid in dollar values from the bankruptcy filing date when the market bottomed out (Meanwhile, nearly $1 billion in fees went to the bankruptcy process expenses) When you're waiting for money and told you won't get it back while watching massive fee statements pile up, something feels really wrong. Subscribe to the newsletter! https://newsletter.blockspacemedia.com Notes: • FTX had hundreds of thousands of individual creditors • Creditors repaid in bankruptcy filing at market low • Nearly $1 billion total in bankruptcy fees • Sullivan and Cromwell among multiple firms paid Timestamps: 00:00 Start 02:56 Beginning the investigation 05:37 Interviewing SBF 08:21 Beginning bankruptcy 10:23 The bankruptcy claim experience 13:30 Who handled the bankruptcy? 16:08 What were the FTX assets? 17:35 A complicated portfolio 20:07 Bankruptcy firm double dipping? 22:50 Customer questions 27:56 Are these fees normal? 33:19 Reimbursements to date 35:33 BTC go up 36:58 What's next? 39:35 Next step for journalists? -

The ongoing federal government shutdown is expected to take a toll on Cava and Sweetgreen. Potbelly is the latest chain to crowd up the battleground over wraps. And a Pizza Hut UK franchisee is insolvent.

The UK Insolvency Service does a lot more than just oversee insolvencies and, in a recently published five year strategy document, they outlined some ambitious future goals which we thought were well worth a conversation.So we had one!Send us a textSupport the showFollow us on LinkedIn at https://www.linkedin.com/company/the-dark-money-files-ltd/ on Twitter at https://twitter.com/dark_files or see our website at https://www.thedarkmoneyfiles.com/

America's military faces extraordinary threats — and when resources lag, missions can fail. Guest host Bradley Bowman is joined by Krista Auchenbach of CSIS to discuss her forthcoming report, alongside Rear Adm. (Ret.) Mark Montgomery, as they unpack how presidents convey orders, how the Pentagon manages risk, and how to avoid a dangerous ends-means mismatch.

David starts by talking about the apocalyptic headwinds facing Social Security and Medicare and what it means for your retirement plan. The Social Security and Medicare trust funds are projected to be insolvent by 2033, with the combined Social Security trust fund gone by 2034. David explains why this isn't just a distant problem: Without intervention, roughly 70 million Americans will face major benefit cuts—23% for Social Security, 11% for Medicare. How this impacts you personally: If you're 59 today, you'll reach full retirement age right as the trust fund runs dry. If you're already retired, you may be affected in the next 8 years. David outlines the government's dilemma: Once the trust funds are depleted, benefits must be paid from incoming payroll taxes alone—which won't be enough to cover promised amounts. David shares why printing money isn't a fix. Social Security and Medicare are tied to inflation, so printing more money only drives costs up. Why taxing the rich is not the answer. Even if the government confiscated 100% of billionaire wealth, it would only fund the federal government for 11 months—not solve the long-term problem. David reveals what you can do now. Start saving as much as you can today. Even a small increase—automated every 6 months—can plug the future gap in your benefits. How to use tax-free accounts strategically. Roth IRAs, Roth 401(k)s, and properly structured life insurance can help shield your retirement from rising taxes. David explains that Roth withdrawals don't count as provisional income—keeping your Social Security potentially 100% tax-free. How to soften the blow of benefit cuts: Keeping your Social Security tax-free preserves more of your income and helps offset reductions in government programs. With Trump's tax cuts possibly extended, you could have until 2033 to shift your retirement savings while tax rates remain historically low. How to avoid future tax pain: David recommends shifting to tax-free accounts slowly enough to avoid “tax bracket heartburn,” but fast enough to finish before tax rates rise. Why aiming for the 0% tax bracket matters: If tax rates double in the future, two times zero is still zero. The less taxable income you have, the more secure your retirement.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com