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Moody's Investors Service changed its rating of the U.S. sovereign debt last week. Joe Santos, Ph.D., breaks down the symbiotic relationship behind the downgrade.

In this episode, Monika discusses the excitement of receiving your first salary and how to make the most of it. She shares practical advice on balancing financial responsibility with celebrating this milestone, ensuring that young professionals set themselves up for long-term success. From prioritizing loan repayment and setting up a cash flow system to building an emergency fund, she outlines three key goals for the first year of earning. By following these steps, young earners can develop strong financial habits without feeling overwhelmed by long-term investment planning right away.Next, she decodes what a portfolio means and why it's essential for wealth building. A portfolio is a mix of different asset classes—debt, equity, and real assets—structured according to an investor's financial goals. She explains how a young professional's portfolio differs from that of a retiree and how diversification helps manage risk while achieving growth or income.In the listener Q&A, Uma wants to invest her son's savings as he transitions into financial independence and asks for guidance on the best instruments for long-term wealth creation. Sandeep is struggling with an expensive insurance policy and seeks advice on whether to continue or surrender it. Deepali, living in Bangkok, wonders if she should purchase health insurance in India ahead of a potential relocation and whether she should adjust her asset allocation or sell a rental property for better returns.Chapters:(00:33 - 05:02) Making the Most of Your First Salary(05:03 - 06:07) Understanding Investment Portfolios(06:08 - 09:45) How to Invest Savings for a Young Adult(09:46 - 11:36) Should You Surrender an Expensive Insurance Policy?(11:37 - 15:53) Health Insurance and Real Estate Decisions for Relocationhttps://www.amfiindia.com/Themes/Theme1/downloads/MAMForm-forchangeinstatusfromMinortoMajor.pdf https://www.camsonline.com/Investors/Service-requests/Service-Request-Forms/Minor-attains-MajorIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠Monika's book on mutual funds⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠Monika's workbook on recording your financial life⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠Calculators⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠@MonikaHalan⁠⁠Instagram ⁠⁠@MonikaHalan⁠⁠Facebook ⁠⁠@MonikaHalan⁠⁠LinkedIn ⁠@MonikaHalan⁠Production House: ⁠www.inoutcreatives.com⁠Production Assistant:⁠ Anshika Gogoi⁠

On today's episode I am speaking with Daisy Auger-Dominguez, Author of Inclusion Revolution and the upcoming title Burnt Out to Lit Up, to consider as a podcast guest. Daisy is also a TEDx speaker and former senior executive at The Walt Disney Company, Google, Vice Media, and Moody's Investors Service. She shares her journey as a Latina, discussing her upbringing, cultural identity, and the challenges she faced while navigating her career. We talked about the importance of mentorship, skill-building, and embracing vulnerability as key components of her leadership style. Daisy Auger-Dominguez shares her experiences navigating significant career transitions, the emotional weight of success, and the importance of recognizing burnout. I took so much wisdom with me throughout this conversation -- I know you will too.  To learn more about Daisy, follow her on Linkedin: https://www.linkedin.com/in/daisyaugerdominguez/

Ranked ‘Aa1’ by Moody's Investors Service and 'AA-' by both S&P Global and Fitch Ratings, while equipped with a global network of 500 branches and offices across 19 countries, it’s no surprise that UOB is considered to be one of the world's top banks. And following the footsteps of its bigger brother, it looks like Singapore’s third largest bank is reporting yet another spectacular set of earnings results! Dan Koh and Ryan Huang dive into the cents and dollars of UOB’s latest report card, and find out what’s in it for the bank moving forward.See omnystudio.com/listener for privacy information.

“Burnout is an excessive and sustained workload.” “Am I really the best person to be in that meeting?” “Create workplaces of joy, productivity, and growth.” “Change is possible.” Chapters: 00:00  Introduction: Daisy Auger-Dominguez's Background and Book 03:03  Chapter 1: Recognizing and Addressing Burnout 06:24  Chapter 2: Setting Boundaries and Saying No 11:03  Chapter 3: Difficult Conversations and Relational Communication 15:03  Chapter 4: Building Healthy Workplaces 24:18  Reflection and Validation: The Power of Acknowledging Others 28:31  Finding Joy and Fulfillment in the Workplace 34:25  Shifting Mindset and Avoiding Burnout with Mantras 38:45  Recognizing Burnout and Establishing Boundaries 44:54  Taking Care of Yourself to Better Care for Others Episode Summary: Daisy Auger-Dominguez, an accomplished executive and dynamic leader, discusses her new book 'From Burnout to Lit Up' and shares her wisdom and guidance on burnout. She explains the signs and symptoms of burnout and emphasizes the importance of recognizing and addressing it. Daisy provides practical solutions, such as setting boundaries, saying no, and having difficult conversations. She also highlights the need for relational communication and the power of scripting to navigate challenging situations. Overall, Daisy's book offers insights and strategies to help individuals prevent and overcome burnout. In this conversation, Daisy Auger-Dominguez discusses the importance of reflection, gratitude, and joy in the workplace. She emphasizes the need to acknowledge and validate others' perspectives before responding, and to avoid self-righteousness. Daisy also shares strategies for reconnecting with joy at work, such as finding your purpose and embracing a beginner's mindset. She highlights the power of mantras and affirmations to shift mindset and avoid burnout. The conversation concludes with practical tips for recognizing burnout, establishing boundaries, and taking care of oneself in order to better care for others. R.O.G. Takeaway Tips: Recognize the signs and symptoms of burnout and take action to address it. Set boundaries and learn to say no to prevent excessive workloads. Have open and honest conversations to address interpersonal tensions. Practice relational communication and use scripting as a tool for intentional engagement. Take the time to reflect on your own reactions and responses in order to better understand yourself and others. Acknowledge and validate others' perspectives before responding, and avoid self-righteousness. Find joy and fulfillment in your work by identifying your purpose and embracing a beginner's mindset. Use mantras and affirmations to shift your mindset and avoid burnout. Recognize the signs of burnout and establish healthy boundaries to protect your well-being. Taking care of yourself allows you to better care for others. Guest Bio: Daisy Auger-Dominguez is an accomplished executive and dynamic leader widely recognized for her ability to lead organizational transformations on the leading edge of people and culture. A natural storyteller and team-builder with a purpose-driven mindset, Daisy launched her career at Moody's Investors Service. She subsequently held leadership roles at The Walt Disney Company, Google, Time Warner, and Viacom. Most recently, she served as Global Chief People Officer at Vice Media, overseeing and guiding the end-to-end employee experience, including DEI, ESG, and corporate facilities. Additionally, Daisy founded Auger-Domínguez Ventures, a workplace strategy consultancy. Daisy's bold advocacy for inclusive, courageous, and competent management in the modern workplace positions her as a sought-after speaker and thought leader in management, leadership, diversity, equity and inclusion, workplace culture, and the future of work. Driven to build workplace cultures rooted in human-centered shared values and purpose — cultures that work for everyone while enhancing performance — Daisy authored 'Inclusion Revolution' and has a forthcoming book titled From Burned Out to Lit Up: A Manager's Guide. She has been featured in publications like Harvard Business Review and IDEAS.TED. Her contributions have earned her prestigious honors, including Brooklyn Community Service's Social Impact award, Hispanic Executive's Top 10 Leaders, People en Español's 25 Most Powerful Women, ADCOLOR Legend, Council of Urban Professionals Change Agent, Walter Kaitz Foundation Changemaker, and the New York City Council Leadership in Community Service Award. Resources: Books Pre-order Burnt Out to Lit Up  R.O.G. Episode 156 Leading with Humanity: Guide to Modern Management  Harvard Business Review (HBR) Finding Joy as a Manager — Even on Bad Days by Daisy Auger-Dominguez Harvard Business Review (HBR) Articles by Daisy Auger-Dominguez  'A Blueprint for Leading DEI in Turbulent Times,' by Daisy Auger-Dominguez, published in Ambition magazine  Inclusion Revolution | Daisy Auger Domínguez | TEDxPearlStreet |  Redefining HR Ep 121, Vice Media Group's Chief People Officer, Daisy Auger-Domínguez  Leading With Empathy & Allyship EP4: Amplifying The Latinx Experience With Daisy Auger-Domínguez  Bucknell University: Speaking of Success with Daisy Auger-Dominguez Where to find R.O.G. Podcast: R.O.G on YouTube R.O.G on Apple Podcasts R.O.G on Spotify How diverse is your network?  N.D.I. Network Diversity Index What is your Generosity Style?  Generosity Quiz Credits: Daisy Auger-Dominguez, Sheep Jam Productions, Host Shannon Cassidy, Bridge Between, Inc. Coming Next: Please join us next week, Episode 197, Special Guest, Susan Packard.

Fabian Astic is a Managing Director and the Global Head of Decentralized Finance & Digital Assets, Cyber Credit Risk, and AI Analytics at Moody's Investors Service. With over 18 years of experience, he leads the group responsible for Moody's preparedness for the digitalization of the global economy, focusing on transformative technologies like AI and blockchain. On The Menu: 1. Overseeing analytical and business preparedness for digital economy technologies like AI and blockchain. 2. Challenges in digital finance include interoperability and the development of stable digital cash alternatives. 3. Need for control over technology, legal, regulatory, and behavioral aspects to manage risks effectively. 4. The disparity between supply-side readiness and demand-side understanding requires education and demystification efforts. 5. Importance of expansion of digital assets to merge with traditional finance and leverage decentralized finance benefits. 6. Continuous publication of research on AI, digital finance, and their intersections to inform market participants. Click here for a free trial: https://bit.ly/495qC9U Follow us on social media to hear from us more - Facebook- https://bit.ly/3ZYLiew Instagram- https://bit.ly/3Usdrtf Linkedin- https://bit.ly/43pdmdU Twitter- https://bit.ly/43qPvKX Pinterest- https://bit.ly/3KOOa9u Happy creating! #FabianAstic #MoodysInvestor #Outgrow #Market #MarketTrends #MarketerOfTheMonth #Podcastoftheday #Marketingpodcast

This month our analysts are discussing what's driving our still positive outlook for the global aerospace and defense sector for the next 12-18 months. Defense budgets are up as a result of rising geopolitical tensions and we expect strong operating profit for these companies. But persistent supply chain issues are delaying the delivery of new planes from the largest manufacturers Boeing and Airbus, even as air travel demand soars. Guests: Frederic Duranson, Vice President – Senior Analyst - Corporate Finance Group, Moody's Investors Service and Jonathan Root, Senior Vice President – Senior Analyst – Corporate Finance Group, Moody's Ratings Service.Host: Tania Hall, Senior Vice President – Senior Research Writer, Moody's Investors Service. To read more on this topic, visit Behind The Bonds page on Moodys.com (some content only available to registered users or subscribers).Related Research:Aerospace and Defense – Global: Outlook remains positive despite lingering post-pandemic problemsGeopolitical risk – Europe: Higher defence spending will strain budgets, but is credit positive for companiesBoeing Company (The): Acquisition of Spirit AeroSystems will be positive for Boeing's operations over the long runSovereigns – Europe: Some EU sovereigns will face accumulating debt pressures and hard policy choicesAirbus SE: Revised 2024 earnings guidance is credit negative

Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureThe [CB]/[WEF] have been gas lighting the people for years. They want the people to sacrifice everything and they will keep everything. The unemployment number are so manipulated that they are no longer making sense.The Sahm rule was just triggered, we are in a recession. Mt Gox releases Bitcoin, Bitcoin drops. Fed in holding pattern until Sep. [BO] has begun the push to remove Biden, he will pressure him to step down on his own. The fake news has been instructed by [BO] to show Biden in the worst light. Think about what is happening, the fake news is now attacking Biden, Biden will start calling it fake news. More people will be pushed away. Most likely when Biden doesn't step down, he will be removed. [KH] will step in and pretend she is running, will pick a VP, [HRC]. [KH] will be replaced with [MO]. This will all fail. DHS simulates war games. [BO] is being flushed out.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy https://twitter.com/EndWokeness/status/1809209497543406029  The revised number gets a footnote. That's why this keeps happening. https://twitter.com/KobeissiLetter/status/1809209723180249327   part-time employment rose by +286,000 workers in May. All while the unemployment rate is now up from 3.4% to 4.1% in just over a year. The reality is that a RECORD number of people are working multiple jobs to "fight" inflation. How is this a "strong" economy? June Jobless Rate Triggers Sahm Rule: Recession In this morning's US Bureau of Labor Statistics data release, the U-3 unemployment rate increased 4.1 percent in June 2024, rising by one-tenth of a percentage point above the forecast rate.  This uptick triggers the Sahm Rule, a real-time recession indicator, suggesting that the US economy is in, or is nearing, a recession. The Sahm Rule, developed by former Fed economist Claudia Sahm, is designed to identify the start of a recession using changes in the total unemployment rate. According to the rule, a recession is underway if the three-month moving average of the national unemployment rate rises by 0.50 percentage points or more, relative to its low during the previous 12 months. With the June 2024 U-3 rate of 4.1 percent, the average of the last three months being 4.0 and the lowest 12-month rate of 3.5 percent in July 2023, this criterion has been met. Sahm Rule indications (1960 – 2024)   While more data will be required to confirm the Sahm Rule indication, the impact of accelerating prices, interest rates at their highest levels since 2007, and commercially suppressive pandemic policies have probably caught up with US producers and consumers. Source: zerohedge.com Joe Biden Threatens to Send Out Attorneys General to Go After Grocers in Plan to Combat His Food Inflation Crisis Grocery prices are soaring thanks to Joe Biden's tax-and-spend policies. The US economy is in bad shape because of Joe Biden's war on domestic oil and the ‘Green New Deal' disguised as the ‘Inflation Reduction Act.' Moody's Investors Service recently cut the US's outlook to negative. Moody's lowered its ratings outlook on the US government citing high interest rates, government spending, and deficits. Inflation is still high, grocery prices are up more than 19%, gas prices are still high and more than 15 million illegal aliens have poured over the border since Biden was installed in January 2021. Most Americans are struggling to put food on the table thanks to Joe Biden. Joe Biden is now threatening to jail grocers to combat his in...

The pharmaceutical market has exploded in recent years with the rise of new drugs to help treat obesity and diabetes. The shift marks a huge opportunity for the pharmaceutical sector, which is pursuing the diabetes and obesity markets with four blockbuster drugs today: Ozempic and Wegovy from Novo Nordisk, and Mounjaro and Zepbound from Eli Lilly. In the first segment Mike Levesque looks at credit implications for the pharmaceutical industry, whose weight-loss drugs will generate some $80 billion in annual sales by 2030. Then at 11:10 minutes, Linda Montag discusses how the rise of the weight-loss drug segment will affect the packaged food, restaurant and packaging sectors.Guests: Michael Levesque, Senior Vice President, Corporate Finance Group; Linda Montag, Senior Vice President, Corporate Finance Group. Host: Jeff Pruzan, Vice President – Senior Research Writer, Moody's Investors Service.To read more on this topic, visit Moodys.com. (Some content available only to registered users or subscribers.)Cross-Sector – Global: Growth in obesity drugs will affect multiple industries but impact will take years

Welcome to What Matters Now, a weekly podcast exploring one key issue currently shaping Israel and the Jewish World, hosted by deputy editor Amanda Borschel-Dan. The Cambridge Dictionary defines "optimism" as "the quality of being full of hope and emphasizing the good parts of a situation, or a belief that something good will happen." Looking at war-torn Israel today, it is a quality that appears to be in short supply. But in this week's What Matters Now, The Times of Israel's senior analyst Haviv Rettig Gur points out that while things look bleak now, there are several reasons for optimism. We begin the program by discussing Israel's 5th place on the annual World Happiness Report, which, in addition to self-assessed evaluations of life satisfaction, is also based on GDP per capita, social support, healthy life expectancy, freedom, generosity and corruption. Incredibly, the self-reported Israeli data was collected following the October 7 massacre of 1,200 individuals and hostage-taking of 252 by Hamas terrorists and the resultant, ongoing war in Gaza. Even faced with a "negative outlook" by ratings agency S&P Global and Moody's Investors Service on the Israeli economy, Rettig Gur finds signs of economic optimism -- stemming from the Haredi community. So this memorial week, we ask Haviv Rettig Gur, what matters now? What Matters Now podcasts are available for download on Apple Podcasts, Spotify, YouTube or wherever you get your podcasts. This episode was produced by the Pod-Waves. IMAGE: People celebrate Israel's 76th Independence Day at Saker Park in Jerusalem, May 14, 2024. (Yonatan Sindel/Flash90)See omnystudio.com/listener for privacy information.

Join Wendy Hanson as she welcomes DEI expert Daisy Oshea Dominguez to the Building Better Managers podcast for a transformative discussion on the future of workplace culture. Daisy, with her wealth of experience from Google to Vice Media, offers actionable insights on how companies can navigate the "messy middle" and move towards a more inclusive and equitable environment. Get ready to be challenged and motivated as Daisy lays out the path from reflection to persistence in the DEI journey. Meet Daisy: Daisy Auger-Domínguez is an accomplished executive, speaker, and dynamic leader at the leading edge of people and culture. She is the author of Inclusion Revolution: The Essential Guide to Dismantling Racial Inequity in the Workplace and forthcoming book Burned Out to Lit Up: How to Rekindle The Joy of Leading People, and has been featured in Harvard Business Review and IDEAS.TED. A sought-after speaker, Daisy's TEDX talk, ‘Inclusion Revolution', inspires her audience to achieve a meaningful and lasting impact. Daisy has led human capital practices at Vice Media, Moody's Investors Service, The Walt Disney Company, Google, and Viacom.  Her contributions have earned her prestigious honors, including Hispanic Executive's Top 10 Leaders, ADCOLOR Legend award, and the New York City Council Leadership in Community Service Award. She lives in Brooklyn, NY with her husband and daughter, is a board member of the Planned Parenthood Federation of America and also sits on the Board of Trustees at Bucknell University, her alma mater. Daisy's Links: Twitter: https://twitter.com/DaisyAD LinkedIn: https://www.linkedin.com/in/daisyaugerdominguez/ Instagram: https://www.instagram.com/daisyaugerdominguez/ Website: https://www.daisyauger-dominguez.com/ Do you enjoy our show? One of the easiest ways to help us out is to drop us a 5-star review on your platform of choice! https://ratethispodcast.com/newlevelwork For more information, please visit the New Level Work website. https://www.newlevelwork.com/category/podcast © 2019 - 2024 New Level Work

Coming soon to corporate financial statements: a lot more tax transparency. After seven years and three rounds of proposals, the Financial Accounting Standards Board in December published new rules requiring companies to shed light on the income taxes they pay to federal, international, and state governments. The disclosure rules, which kick in as early as 2025, are a response to years of complaints that current financial reporting rules offer too few details about tax obligations. Soon, companies will have to separately list any jurisdiction that accounts for more than 5% of their total tax obligations. Publicly traded companies will have to further break down how they calculated their effective tax rate, so investors and other financial statement readers can contrast it with their statutory rate. Bloomberg Tax reporter Nicola M. White spoke with David Gonzales, a vice president at Moody's Investors Service, about what kind of details companies will have to provide and how investors and analysts could use them. Do you have feedback on this episode of Talking Tax? Give us a call and leave a voicemail at 703-341-3690.

Positive developments include strong GDP growth in Côte d'Ivoire and Senegal, a lifting of sanctions on Niger, and a few countries tapping international bond markets so far this year.Speaker: Mickaël Gondrand, Assistant Vice President-Analyst, Sovereign Risk Group, Moody's Investors ServiceHost: Scott Phillips, Associate Managing Director, Emerging Markets, Moody's Investors Service

Female labour participation rates have more than recovered losses sustained during the pandemic. The associated boost in economic activity and support to households is positive for a range of issuers.Speakers: Dawn Holland, Director-Economic Research at Moody's Analytics; Ana Rayes, VP-Senior Analyst at Moody's Investors ServiceHost: William Foster, Senior Vice President at Moody's Investors Service

As solar panels become more common in Europe, the first solar loan asset-backed security becomes more likely. But while the asset class is new, many associated risks are familiar to ABS investors.Speakers: Armin Krapf, VP-Sr Credit Officer at Moody's Investors Service; Pedro Sancholuz Ruda, VP-Sr Credit Officer at Moody's Investors ServiceHost: Aaron Johnson, Vice President – Research at Moody's Investors Service

We discuss the severe thunderstorms' rising insured costs. Plus: Earnings weakness in the Medicare Advantage business and US commercial real estate exposure of German banks.Speakers:  Bernhard Held, VP-Sr Credit Officer, Moody's Investors Service; Dean Ungar, VP-Sr Credit Officer, Moody's Investors Service; Evelyn Ocas Salazar, AVP-Analyst, Moody's Investors Service; Juergen Grieser, Sr Dir Mgr-Analytics & Modeling, Moody's RMSHosts: Danielle Reed, VP – Senior Research Writer, Moody's Investors Service; Myles Neligan, VP – Senior Research Writer, Moody's Investors ServiceRelated Research:Property & Casualty Insurance – US: Battered by convective storms, carriers seek higher prices, advanced modelsHealth Insurance – US: Medicare Advantage continues to grow, but its profitability is weakeningBanks – Europe: Most EU banks have limited direct exposure to US CRE, German banks are more exposed

Around €300 billion of European spec-grade corporate debt needs refinancing by 2026, but uncertain market access, slower growth and higher interest rates increase risks for some lower rated entities. Speaker: Martin Hallmark, Senior Vice President-CFG at Moody's Investors ServiceHost: Colin Ellis, MD-Global Credit Strategist at Moody's Investors Service

Since 2020, there have been 20 sovereign defaults, surpassing the total in the entire previous decade. What factors led to this point, where are they concentrated and will they continue?Speakers: William Foster, Senior Vice President at Moody's Investors Service; David Rogovic, VP-Sr Credit Officer at Moody's Investors ServiceHost: Sarah Carlson, Senior Vice President at Moody's Investors Service

Steve Tu, Farooq Khan and Petr Paklin of Moody's, with Joe Lyons of Bitsight, on how AI will change banks; On Fast Finance, we discuss Evergrande's liquidation and upcoming FHLBank reforms.Speakers:  David Yin, VP – Senior Credit Officer, Moody's Investors Service; Allen Tischler, Senior Vice President, Moody's Investors Service; Stephen Tu, VP – Senior Credit Officer, Moody's Investors Service; Farooq Khan, VP – Senior Analyst, Moody's Investors Service; Petr Paklin, AVP – Analyst, Moody's Investors Service; Joe Lyons, Senior Director Cyber Risk Quantification & Ratings Research, Bitsight Hosts: Danielle Reed, VP – Senior Research Writer, Moody's Investors Service; Carolyn Henson, VP – Senior Research Writer, Moody's Investors ServiceRelated Research:Property – China: Court order to liquidate China Evergrande will weaken fragile market sentimentBanks – US: FAQ: Initial impact of FHFA reforms of FHLBanks will be less emergency liquidity for troubled banksBanks – Global: Banks are well-placed for substantial efficiency gains with deep AI adoption

On today's podcast: 1) President Joe Biden blamed Donald Trump for sinking a bipartisan immigration and Ukraine aid bill, saying the Republican frontrunner pressured members of his party to reject it in order to gain an advantage in the November election. 2) Nikki Haley suffered an embarrassing loss in the largely symbolic Republican Nevada presidential primary on Tuesday, while President Joe Biden secured an easy victory in the state's Democratic vote. 3) New York Community Bancorp's credit grade was cut to junk by Moody's Investors Service less than a week after the regional lender alarmed shareholders by slashing payouts and stockpiling reserves to cover troubled loans tied to commercial real estate. 4) Walt Disney Co.'s ESPN, Fox Corp. and Warner Bros. Discovery Inc. are joining forces to launch a sports-focused streaming service that will feature major college and pro games usually seen only on traditional TV.See omnystudio.com/listener for privacy information.

Recent interest rate cuts in Brazil, Chile, Colombia and Hungary are among the signs that EM financial conditions are improving. The primary market for EM bond issuance is likely to remain strong.Hosts: Scott Phillips, Associate Managing Director - Emerging Markets at Moody's Investors Service; Vittoria Zoli, Analyst - Emerging Markets at Moody's Investors Service

On today's podcast: Federal Reserve officials cemented the end of their aggressive campaign to push up interest rates, and sought to reset expectations for how soon and how fast they'll cut this year as inflation pressures fade. US megacap earnings are back in focus, with Apple Inc., Amazon.com Inc. and Meta Platforms Inc. all due to release results In an unscripted scene during tense testimony Wednesday, Meta Platforms Inc. Chief Executive Officer Mark Zuckerberg stood before a packed Senate hearing room and apologized directly to the families of children who were victims of sexual exploitation on social media platforms. New York Community Bancorp may have its credit rating cut to junk by Moody's Investors Service as the firm stockpiles money to cover troubled loans and spends more to fund operations. See omnystudio.com/listener for privacy information.

On this pop-up episode of She Thinks, Carrie Sheffield joins to help us consider IWF's January policy focus: Becoming American with Health Savings Accounts (HSAs). We discuss what HSAs are, why current unequal access to them limits our freedom, and how allowing universal and robust HSAs can improve your provider and treatment options as well as make sure we have the money we need to access necessary care. Carrie Sheffield is a columnist and broadcaster in Washington, D.C. She earned a master's in public policy from Harvard University, concentrating in business policy. She managed municipal credit risk at Goldman Sachs and rated healthcare bonds at Moody's Investors Service. Carrie later researched for American Enterprise Institute scholar Edward Conard and served as Warren Brookes Journalism Fellow at Competitive Enterprise Institute.--She Thinks is a podcast for women (and men) who are sick of the spin in today's news cycle and are seeking the truth. Once a week, every week, She Thinks host Beverly Hallberg is joined by guests who cut through the clutter and bring you the facts. You don't have to keep up with policy and politics to understand how issues will impact you and the people you care about most. You just have to keep up with us. We make sure you have the information you need to come to your own conclusions. Because, let's face it, you're in control of your own life and can think for yourself. You can listen to the latest She Thinks episode(s) here or wherever you get your podcasts. Then subscribe, rate, and share with your friends. If you are already caught up and want more, join our online community. Be sure to subscribe to our emails to ensure you're equipped with the facts on the issues you care about most: https://iwf.org/connect. Independent Women's Forum (IWF) believes all issues are women's issues. IWF promotes policies that aren't just well-intended, but actually enhance people's freedoms, opportunities, and choices. IWF doesn't just talk about problems. We identify solutions and take them straight to the playmakers and policy creators. And, as a 501(c)3, IWF educates the public about the most important topics of the day. Check out the Independent Women's Forum website for more information on how policies impact you, your loved ones, and your community: www.iwf.org. Subscribe to IWF's YouTube channel. Follow IWF on social media: - on Twitter- on Facebook- on Instagram#IWF #SheThinks #AllIssuesAreWomensIssues Hosted on Acast. See acast.com/privacy for more information.

Strong policies, innovation and falling costs are set to propel green capital spending this year. However, a busy election calendar and slowing economic growth could temper that momentum.Speaker: Rahul Ghosh, MD-Sustainable Finance at Moody's Investors ServiceHost: Colin Ellis, MD-Global Credit Strategist at Moody's Investors Service

Interest rate hikes in the wake of the pandemic have driven an increase in commercial real estate delinquencies, but a variety of factors help mitigate many refinancing and other performance risks.Speakers: Alexander Zeidler, VP-Sr Credit Officer at Moody's Investors Service; Brian Snow, VP-Sr Credit Officer at Moody's Investors Service; Darrell Wheeler, VP-Sr Credit Officer at Moody's Investors ServiceHost: Aaron Johnson, Vice President – Research at Moody's Investors Service

About the guestBrendan Burns has spent over 20 years at leading technology, graphic arts and financial institutions including Culture.tech, 1000|Museums, Moody's Investors Service, Salomon Brothers, and AdOne, an Internet software pioneer. For the past 10 years Burns has managed consulting, advisory and strategic growth assignments under Stepping Stone Capital Partners and Stepstone Art Resources.Burns has been a professor and senior lecturer in the Entrepreneurship Program at Columbia Business School and a faculty member at Sotheby's Institute of Art Enterprise studio Masters program.see.me websiteSee.me on InstagramMassMoca  Subscribe to the Art Biz Talk NewsletterApply to be a guest Ask a question for the show Become part of the community for professional visual artistsIf you're a late emerging or mid-career visual artist earning $5K or more a month and are ready to scale your studio practice, Art Biz Pro is the place for you. (Re) Emerging ArtistsStarting to build your full time studio practice and need a DIY guide with templates for your artist statement, Press Kit and pricing your art? Sounds like you need our Artist Starter Kit. CREDITSOriginal Music composed by Hillary Albrecht at Rhapsody on MarsArt Biz Talk is hosted by Andrea La Valleur-Purvis, Artist and Art Business Coach at Vivid Creative

Cristiano Ventricelli explains how recent improvements to digital finance systems could help them gain scale. Plus, we discuss BlackRock's recent acquisition and the SEC's approval of spot Bitcoin ETFs.Speakers:  Abhi Srivastava, AVP – Analyst, Moody's Investors Service; Neal Epstein, VP-Senior Credit Officer, Moody's Investors Service; Cristiano Ventricelli, VP-Senior AnalystHosts: Danielle Reed, VP – Senior Research Writer, Moody's Investors Service; Myles Neligan, VP – Senior Research Writer, Moody's Investors ServiceRelated Research:Decentralized Finance and Digital Assets – Cross Region: SEC approves spot Bitcoin ETFs, advancing cryptocurrency institutionalizationBlackRock, Inc.: Acquisition of Global Infrastructure Partners is credit positiveDecentralized Finance and Digital Assets – Global - 2024 Outlook: Digital finance slowly, steadily moves toward interoperability, standardization

Conditions are more stable for sovereigns, banks and companies in the Gulf Cooperation Council region than in North Africa and Levant. An escalation of the Israel-Hamas military conflict is main risk.Speakers: Christian Fang, Vice President – Senior Analyst, Sovereign Risk Group at Moody's Investors Service; Badis Shubailat, Assistant Vice President – Analyst, Financial Institutions Group at Moody's Investors Service; Rehan Akbar, Senior Vice President, Corporate Finance Group at Moody's Investors ServiceHost: Vittoria Zoli, Analyst, Emerging Markets at Moody's Investors Service

EP 172:  Randy Smith and Paul Khazansky Striving for Cash Flow with Passive Investing and Business Acquisitions As founder of Cascade Capital Group, Paul Khazansky serves as the lead advisor on all investment sale transactions. Focusing primarily on the Sun Belt and the Midwest, Paul leverages his expertise as an accomplished lender and an experienced investor to identify and execute on superior risk adjusted opportunities within the Triple Net space. Paul developed his fundamental credit analysis skills during his time at Moody's Investors Service and at Marathon Asset Management, a New York hedge fund where he was entrusted with identifying loan investment opportunities across a multitude of industries. Paul has spent the last decade in commercial real estate development and lending and understands the unique objectives and risks of these often complex investments. He earned his MBA at Duke University's Fuqua School of Business and went on to become a founding partner of Poverni Sheikh Group (www.povernisheikh.com), a real estate development and construction firm with a focus on the self-storage and multifamily sectors ($200 million of AUM as of December 2021) and PSG Lending (www.psglending.com), a nationwide bridge lender covering industrial, multifamily, office, retail, and land asset classes. Under his leadership, PSG Lending has deployed nearly $200 million of commercial real estate financings since 2017. His principal investing background enables Paul to identify creative avenues for structuring real estate transactions while gaining expertise in deal underwriting and negotiations. Through his experience as a developer, investor, and as a direct lender, Paul has cultivated a passion for working with business owners and high-income earners to achieve generational net worth through passive real estate investing. HIGHLIGHTS IN THE SHOW: 00:00 - Intro 01:25 - Paul's Background 07:11 - Impact Equity Ad 08:03 - Underwriting 16:24 - Cashflow 18:50 - Triple Net, Self Storage, Asset Classes 22:31 - Business Acquisition 26:40 - Passive INvestments 29:21 - Trends 35:04 - Final Thoughts CONNECT WITH OUR GUEST: https://www.cascadecapitalgrp.com/ CONNECT WITH OUR HOST:  Connect with our host, Randy Smith, for more educational content or to discuss investment opportunities in the real estate syndication space at www.impactequity.net, https://www.linkedin.com/in/randallsmith or on Instagram at @randysmithinvestor ---------------------------------- Follow us on social media @the.gentle.art.of.crushing.it Listen, like, subscribe, comment: http://thegentleartofcrushingit.com/

Our global outlook for the sector remains negative for 2024, but the picture for non-bank finance companies is more varied than a year ago, with easing conditions in some markets and businesses.Speakers: Bruno Baretta, AVP – Analyst, Moody's Investors ServiceHost: Michael Porta, VP – Senior Research Writer, Moody's Investors Service

Weak results in personal lines drive the negative outlook for property and casualty insurance, while life insurance benefits from higher interest rates.Speakers: Bruce Ballentine, VP – Senior Credit Officer, Moody's Investors Service; Christian Badorff, VP – Senior Credit Officer, Moody's Investors ServiceHosts: Danielle Reed, VP – Senior Research Writer, Moody's Investors Service; Myles Neligan, VP – Senior Research Writer, Moody's Investors Service

Redefault risk in Argentina, general elections in South Africa, financial conditions and debt affordability in Egypt, monetary policy in Turkiye and economic growth in China are top stories this year.Speaker: Marie Diron, Managing Director - Global Sovereign Risk - Moody's Investors ServiceHost: Scott Phillips, Associate Managing Director - Emerging Markets, Moody's Investors Service

A $4 billion fine for the cryptocurrency exchange Binance indicates greater regulatory focus that could bring more security and confidence to the crypto sector.Speaker: Cristiano Ventricelli, VP-Senior Analyst/DFDA at Moody's Investors ServiceHost: Colin Ellis, MD-Global Credit Strategist at Moody's Investors Service

James Eck and Brandan Holmes explain how rising physical climate-related claims complicate insurers' risk management; Olivier Panis discusses benefits for banks of enhanced climate change reporting.Speakers: Olivier Panis, Senior Vice President, Moody's Investors Service; James Eck, VP-Senior Credit Officer, Moody's Investors Service; Brandan Holmes, VP-Senior Credit Officer, Moody's Investors ServiceHosts: Danielle Reed, VP – Senior Research Writer, Moody's Investors Service; Myles Neligan, VP – Senior Research Writer, Moody's Investors ServiceRelated Research:Insurance – Global: Rising physical climate risk generates uncertainty, complicates risk managementP&C Insurance and State Government — US: Sharp pricing hikes draw reinsurers to Florida; insurance market strains continueEnhanced climate change reporting will help banks manage risks

Dr. Steven Skancke, Chief Economic Advisor at Keel Point, shares his thoughts on the FOMC meeting and looking for clarity on the Fed's views on inflation and interest rates. Brendan Coughlin, Vice Chairman and Head of Consumer Banking at Citizens Financial Group, discusses delving into private credit and the 2024 economic outlook. And we Drive to the Close with Ana Arsov, Global Head of Private Credit & Financial Institutions at Moody's Investors Service. Hosts: Tim Stenovec and Emily Graffeo. Producer: Paul Brennan. See omnystudio.com/listener for privacy information.

Moody's Investors Service advised staff in China to work from home ahead of its cut to the outlook for the country's sovereign credit rating, Palestinians in Gaza are running out of places to evacuate to, and oil prices have fallen to their lowest level in five months. Plus, the FT's Christopher Miller explains what would happen on the ground in Ukraine if western aid dries up. Mentioned in this podcast:Moody's advised staff to work from home ahead of China outlook cutJoe Biden says Republican refusal to fund Ukraine is a ‘gift' to Vladimir PutinKyiv's political feuds cause cracks in Ukrainian unityShattered Israel-Hamas truce leaves Gaza's civilians with nowhere left to runRepublicans tell Joe Biden US aid to Kyiv depends on immigration curbsEU budget dispute threatens €50bn war lifeline for UkraineOil slumps to lowest in five months despite Opec+ production cutsThe FT News Briefing is produced by Fiona Symon, Sonja Hutson, Kasia Broussalian and Marc Filippino. Additional help by Sam Giovinco, Peter Barber, Michael Lello, David da Silva and Gavin Kallmann. Our engineer is Monica Lopez. Topher Forhecz is the FT's executive producer. The FT's global head of audio is Cheryl Brumley. The show's theme song is by Metaphor Music.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

In this episode of the Big Picture podcast, we delve into the factors underpinning our recent decision to change the outlook on the Chinese sovereign rating to negative.Speaker: Gene Fang, Associate Managing Director - Sovereign Risk Group at Moody's Investors ServiceHost: Colin Ellis, MD-Global Credit Strategist at Moody's Investors Service

The boost banks have enjoyed for the last two years will start to fade as high rates translate into higher funding costs and lower growth. But the outlook for banks is not so gloomy everywhere.Speaker: Felipe Carvallo, VP-Senior Credit Officer, Moody's Investors ServiceHost: Erin McDermott, AVP – Research Writer, Moody's Investors Service

Susana Sáenz entrevista a expertos para entender cómo funcionan diferentes modelos de negocio. En este episodio platicamos con Diego González VP de Moody's Investors Service que nos explica cómo funcionan los distintos tipo de aeropuertos, por qué los aeropuertos son un negocio tan rentable, con importantes ventajas competitivas, aunque no es un sector blindado. Prueba Whitepaper 30 días gratis http://whitepaper.com.mx/30day

The conflict's credit effects should be limited to Israeli issuers, but an escalation that disrupts global energy and financial markets would widen the scope significantly.Speakers: Kathrin Muehlbronner, Senior VP-Sovereign Risk at Moody's Investors Service; Laura Perez,  Associate MD-Credit Strategy at Moody's Investors ServiceHost: William Foster, Senior Vice President at Moody's Investors Service

“It really is about those micro moments that we experience every day. That's culture.” “We have this collective exhaustion that we're also not talking about.” Daisy Auger-Domínguez is an accomplished executive and dynamic leader widely recognized for her ability to lead organizational transformations on the leading edge of people and culture. A natural storyteller and team-builder with a purpose-driven mindset, Daisy launched her career at Moody's Investors Service. She subsequently held leadership roles at The Walt Disney Company, Google, Time Warner, and Viacom. Most recently, she served as Global Chief People Officer at Vice Media, overseeing and guiding the end-to-end employee experience, including DEI, ESG, and corporate facilities. Additionally, Daisy founded Auger-Domínguez Ventures, a workplace strategy consultancy. Daisy's bold advocacy for inclusive, courageous, and competent management in the modern workplace positions her as a sought-after speaker and thought leader in management, leadership, diversity, equity and inclusion, workplace culture, and the future of work. Driven to build workplace cultures rooted in human-centered shared values and purpose — cultures that work for everyone while enhancing performance — Daisy authored Inclusion Revolution and has a forthcoming book titled From Burned Out to Lit Up: A Manager's Guide. She has been featured in publications like Harvard Business Review and IDEAS.TED. Her contributions have earned her prestigious honors, including Brooklyn Community Service's Social Impact award, Hispanic Executive's Top 10 Leaders, People en Español's 25 Most Powerful Women, ADCOLOR Legend, Council of Urban Professionals Change Agent, Walter Kaitz Foundation Changemaker, and the New York City Council Leadership in Community Service Award. Daisy serves on the boards of Planned Parenthood Federation of America and St. Ann's Warehouse, as well as the Board of Trustees of her alma mater, Bucknell University. R.O.G. Takeaway Tips: Silence shapes us, and hurts us. Appreciate your mentors, sponsors and allies. Build the bravery muscle. Human centric leadership: safety, comfort, belonging. Self-care is essential. Can't fill up others with an empty cup.  Send notes of inspiration. Resources: About Daisy Auger-Domínguez Inclusion Revolution | Daisy Auger Domínguez | TEDxPearlStreet "Getting Over Your Fear of Talking About Diversity" by Daisy Auger-Domínguez "How to Proactively Defuse Tension on Your Team" by Daisy Auger-Domínguez  How to Reinvent your Workplace Culture with Vice's Daisy Auger-Dominguez Leading With Empathy & Allyship EP4: Amplifying The Latinx Experience With Daisy Auger-Domínguez Where to find R.O.G. Podcast: R.O.G on YouTube R.O.G on Apple Podcasts R.O.G on Spotify How diverse is your network?  N.D.I. Network Diversity Index What is your Generosity Style?  Generosity Quiz Credits: Daisy Auger-Domínguez, Sheep Jam Productions, Host Shannon Cassidy, Bridge Between, Inc. Coming Next: Please join us next week, Episode 157, with Joanne Lipman.

Carbon transition, adaptation to climate change and climate finance – core topics at COP28 – are crucial for EMs because of their exposure to environmental risks and limited capacity to respond.Speakers: Rebecca Karnovitz, VP-SCO – ESG Research & Outreach at Moody's Investors Service; Matt Kuchtyak, VP-Sustainable Finance at Moody's Investors ServiceHost: Natasha Brereton-Fukui, SVP-Global ESG Research at Moody's Investors Service

Podcast del programa Imagen Empresarial transmitido originalmente el 21 de noviembre de 2023. Conduce Rodrigo Pacheco. Los entrevistados de hoy: Entrevista: Jaime Reusche, vicepresidente y Senior Credit Officer de Moody’s Investors Service (analista responsable de las calificaciones del Gobierno de Argentina) Tema: Argentina luego de la elección de Javier Milei

EM GDP growth will slow, largely because of China's slowdown. Export-led EMs will suffer from weak global trade activity, but domestic-focused EMs will fare better. Pockets of inflation risk exist.Speaker: Vittoria Zoli, Analyst - Emerging Markets, Moody's Investors ServiceHost: Scott Phillips, Associate Managing Director - Emerging Markets, Moody's Investors Service

Reduced economic growth could lower financial institutions' profitability, but there are also opportunities to sell retirement products and new forms of insurance.Speakers: Qian Zhu, VP-Senior Credit Officer, Moody's Investors Service; Kelvin Kwok, AVP-Analyst, Moody's Investors ServiceHosts: Danielle Reed, VP – Senior Research Writer, Moody's Investors ServiceRelated Research:Demographics – China: Aging population, smaller workforce will have broad implications across sectorsLife Insurance – China: Aging population offers growth opportunities, with risks and competitionInsurance – China: Latest policies for health insurance improve diversification but raise underwriting risks

The S and P 500 dipped after Moody's Investors Service lowered its U S credit rating outlook to negative from stable, Disney's movie The Marvels has the worst opening weekend ever for any MCU film, The changing world of Tipping

Moody's analysts discuss how lenders are managing the risks created by the end of the low-interest-rate era, and explore the favorable funding and liquidity characteristics of universal banks.Speakers: Yasuko Nakamura, VP – Senior Credit Officer, Moody's Investors Service; Edoardo Calandro, VP – Senior Credit Officer, Moody's Investors ServiceHosts: Carolyn Henson, VP – Senior Research Writer, Moody's Investors Service; Myles Neligan, VP – Senior Research Writer, Moody's Investors ServiceRelated Research:Banking – Global: Interest rates and the banking book: risks and regulationBanks – Cross Region: Universal banks' superior funding and reserves offset liquid asset encumbrance

This podcast episode examines the effect of interest-rate and oil-price volatility on EM, inflation in Asia and Central-Eastern Europe, monetary policy in LatAm and Egypt's weakening credit quality.Speakers: Vittoria Zoli, Analyst - Emerging Markets, Moody's Investors Service and Elisa Parisi-Capone, Vice President - Senior Analyst - Sovereigns, Moody's Investors ServiceHost: Scott Phillips, Associate Managing Director - Emerging Markets, Moody's Investors Service

States' pension liabilities, a source of credit stress for years, are declining and providing financial flexibility. In England, some local governments are grappling with substantial deficits.Guests: Sunny Zhu, Assistant Vice President – Analyst, Moody's Investors Service and Zoe Jankel, Vice President – Senior Credit Officer, Moody's Investors ServiceHost: Nick Samuels, Senior Vice President, Moody's Investors ServiceRelated content on Moodys.com (may only be available to subscribers):States – US: Ability to service long-term liabilities and fixed costs improvesLocal Governments – UK: More to fail as weak governance amplifies the impact of property and rates cycles

In this "Throwback Thursday" HCI Podcast episode, Dr. Jonathan H. Westover talks with Daisy Auger-Domínguez about the inclusion revolution and the lessons within it. Daisy Auger-Domínguez (https://www.linkedin.com/in/daisyaugerdominguez/) has made it her mission to make workplaces more equitable and inclusive. As the Chief People Officer at VICE Media Group, Daisy leads a global team responsible for people operations, diversity, equity and inclusion initiatives, corporate facilities and real estate, procurement and social impact practices. Her TEDx talk Inclusion Revolution and book by the same title calls on managers to take on the work of dismantling racial inequity in the workplace. Auger-Domínguez has designed, led and scaled organizational transformations at Moody's Investors Service, The Walt Disney Company, Google, and Viacom, and founded Auger-Domínguez Ventures, a workplace consultancy. A dynamic speaker, writer and advisor, Daisy serves on the boards of Planned Parenthood Federation of America, Brooklyn Children's Museum, Robert Sterling Clark Foundation, and St. Ann's Warehouse. Part of the LinkedIn Podcast Network #LinkedInPresents Further explore the topics discussed in this episode with the new HCIConsulting Chatbot: https://poe.com/HCIConsulting. Please consider supporting the podcast on Patreon and leaving a review wherever you listen to your podcasts! Check out Manifest at at https://bit.ly/manifesthci. Check out CrowdHealth and start your free trial at joincrowdhealth.com and use promo code HCI. Check out the HCI Academy: Courses, Micro-Credentials, and Certificates to Upskill and Reskill for the Future of Work! Check out the LinkedIn Alchemizing Human Capital Newsletter. Check out Dr. Westover's book, The Future Leader. Check out Dr. Westover's book, 'Bluer than Indigo' Leadership. Check out Dr. Westover's book, The Alchemy of Truly Remarkable Leadership. Check out the latest issue of the Human Capital Leadership magazine. Each HCI Podcast episode (Program, ID No. 627454) has been approved for 0.50 HR (General) recertification credit hours toward aPHR™, aPHRi™, PHR®, PHRca®, SPHR®, GPHR®, PHRi™ and SPHRi™ recertification through HR Certification Institute® (HRCI®). Each HCI Podcast episode (Program ID: 24-DP529) has been approved for 0.50 HR (General) SHRM Professional Development Credits (PDCs) for SHRM-CP and SHRM-SCPHR recertification through SHRM, as part of the knowledge and competency programs related to the SHRM Body of Applied Skills and Knowledge™ (the SHRM BASK™). Human Capital Innovations has been pre-approved by the ATD Certification Institute to offer educational programs that can be used towards initial eligibility and recertification of the Certified Professional in Talent Development (CPTD) and Associate Professional in Talent Development (APTD) credentials. Each HCI Podcast episode qualifies for a maximum of 0.50 points. Learn more about your ad choices. Visit megaphone.fm/adchoices