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Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. 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KWG decided that some things must be said about these trending topics in the mornings. Whether it's good or bad, somebody gotta say something, and yes, me, your girl Glo decided that I could no longer hold my tongue on the things that are going on because it seems like the world is changing daily, and I don't think it's for the good. Here is a rough draft about how I feel about Shannon Sharpe. He didn't listen to his people, and now look at him, out here giving out apologies like we care. Anyway, go ahead and click that play button. If you like what you heard, don't be afraid to give feedback or just come and follow me on my platforms so you can get more Early Morning Vents With Glo. You can catch ya girl "Glo" if you visit the website ⁠⁠⁠⁠⁠⁠⁠⁠www.konvowithglo.com⁠⁠⁠⁠⁠⁠⁠⁠ to sign up for the emailing list. (No spamming)  IG: konversations.with.glo Twitter: @KonversationsG For Visuals- YouTube: Konversations With Glo Podcast Join the FB group: Konversations With Glo      

Konversations With Glo Podcast is back!!! Yes, that means the conversations will get longer and even better. Be on the lookout for the upcoming new podcast Glo In Da Dark(sex podcast)! That will be hosted by me your girl Glo and also will have special guests on the podcast.  Anyway..enough about that. Let's get into the Konversation. Let's talk about Last Name. KWG brought on Uncle Ju 1/3 of Allegdley Speaking Podcast. Do you think it's okay for a woman to give babies the man's last name if she is not married to the man? Is it okay for the baby to have 2 last names if you and your mate are not married? Go ahead and click that play and find out what Uncle Ju had to say about the "Last Name".  Please don't forget to SHARE! SHARE! SHARE!  to your friend or 2. Also, become a part of the community on FB by joining the FB group Konversations With Glo.   If you want to hear more of Uncle Ju, follow him on.. IG: @allegedlyspeakinpodcast Twitter(X): FB: Allegedly Speakin Podcast TIkTok: AllegedlySpeakinPodcast You can catch ya girl "Glo" if you visit the website ⁠⁠⁠⁠⁠⁠⁠www.konvowithglo.com⁠⁠⁠⁠⁠⁠⁠ to sign up for the emailing list. (No spamming)  IG: konversations.with.glo Twitter: @KonversationsG For Visuals- YouTube: Konversations With Glo Podcast Join the FB group: Konversations With Glo

Der Titel unserer heutigen Episode lässt es schon erahnen: wir veröffentlichen zu Halloween eine Sonderfolge

ICYMI: Konversations With Glo Radio Show brought on Kaesevyn, CEO, Music Artist/Producer. On this segment, we talked about his upcoming music and what made him want to be a music producer. Kaesevyn said some essential things on #KWG. Please do me a favor and go ahead and click on that play button and listen to this konversation here. Please don't forget to SHARE! SHARE! SHARE!  to your friend or 2. Also, become a part of the community on FB by joining the FB group Konversations With Glo.   If you want to hear more of Kaesevyn, follow him on.. IG: @kaesevyn Tik Tok: @kaesevyn You can catch ya girl "Glo" if you visit the website ⁠⁠⁠www.konvowithglo.com⁠⁠⁠ to sign up for the emailing list. (No spamming)  IG: konversations.with.glo Twitter: @KonversationsG For Visuals- YouTube: Konversations With Glo Podcast Join the FB group: Konversations With Glo

Salikoko S. MufweneMondes francophones (2023-2024)Collège de FranceAnnée 2023-2024Colloque - Konstanze Jungbluth : Emergence of "Kust-Portugees" (Coast Portuguese): Encounters along the Gold Coast and beyond in Early Modern TimesIntervenant(s)Konstanze JungbluthProfesseur, Europa-Universität Viadrina, Franfurt (Oder)RésuméHistory shows that creole vernaculars are just ordinary language varieties. Five hundred years ago, dialectal diversity was a well-known fact in Portugal itself. Whenever merchants moved to new places, they needed to create new trading routines including appropriate forms of communication jointly with the locals. Together with their African and, later on, their Asian interlocutors, Portuguese sailors and merchants going native on the continent developed new vernaculars identified as "Kust Portugees", which was also adopted by their European competitors. Dutch companies produced word lists of it that their crews could find handy. It became the lingua franca of that time on the African coast. European and African Portuguese varieties mirror the differences of their ecologies of their encounters and reflect both syncretism and hybridization.Konstanze JungbluthSince 2007: Professor of Linguistics (Pragmatics, Sociolinguistics, Romance Languages), Faculty of Social and Cultural Sciences, European University Viadrina Frankfurt (Oder).Publications:2022 Jungbluth, K./Milano, Frederica de: Address Systems and Social Markes IN: Maiden, M./ Ledgeway, A. (edd.), Cambridge Handbook of Romance Linguistics, Cambridge: CUP, 763-783.2015 Creoles. IN: Jungbluth, K./Milano, Federica de (edd.), Manual of Deixis in Romance Languages; Series: G. Holtus/F. Miret Sánchez (edd.), Manual of Romance Languages 6, Berlin/Boston: MOUTON De Gruyter, 332-356. (submitted): Brokers on the move. Encounters between Europeans and Africans in the Portuguese Seaborne Empire. IN: Enoch Aboh, Salikoko Mufwene (edd.), Uniformitarianism in Genetic Creolistics. Series CALC. CUP.Projects:2020: B/Ordering Cultures. Conference of the KWG, BIG & TEIN, DFG-funded, Frankfurt (Oder).2015-2018>2023: German-Brazilian co-tutelle PhD program Ethnicity in Motion (DAAD-CAPES/EUV-UFF).2014-2015: Beyond Language Boundaries. Use of L1 and L2 in Multilingual Contexts – 1eres i 2nes Llengües en contextos multilingües (DAAD: Univ. de Barcelona UB-EUV).2013-2016: The Impact of Current Transformational Processes on Language and Ethnic Identity: Urum and Pontic Greeks in Georgia (VWStiftung: together with Stavros Skopeteas, Univ. Göttingen & Greek Department of TSU, Georgia).2010: International Conference 1, 2, 3: my Language, your Language, our Language? Language Use in Multilingual Spaces. EUV Frankfurt (Oder), funded by DFG.

Una dotazione iniziale di 5,5 miliardi di euro e cinque pilastri fondativi: istruzione, salute, agricoltura, acqua e energia, con «progetti pilota» che vanno dai centri universitari di eccellenza in Marocco alla produzione di biocarburanti in Kenya. L ambizione, sullo sfondo, è di trasformare l Italia in un «hub» per l approvvigionamento energetico fra Africa e Ue. È l ossatura del cosiddetto Piano Mattei per l'Africa, il piano del governo Meloni sui «nuovi rapporti» con il Continente africano svelato al vertice ItaliAfrica in corso a Roma: uno dei primi eventi della presidenza italiana del G7 e uno snodo chiave nella politica estera del governo di Giorgia Meloni, popolato dalle delegazioni di 46 Paesi, con 15 capi di Stato e 8 capi di governo dal Continente. Fra i leader di maggior peso il premier etiope Abiy Ahmed, il presidente del Kenya William Ruto e il suo omologo tunisino Kais Saied. Il Piano Mattei è "un piano di interventi con cui vogliamo dare il nostro contributo a liberare le energie africane anche per garantire alle giovani generazioni un diritto che finora è stato negato: qui in Europa abbiamo parlato spesso del diritto a emigrare ma quasi mai di come garantire il diritto a non dover essere costretti a migrare, a non dover così recidere le proprie radici in cerca di una vita migliore, sempre più difficile da raggiungere in Europa". Così la presidente del Consiglio Giorgia Meloni aprendo i lavori del vertice Italia-Africa in Aula al Senato. Ne parliamo con Alberto Magnani, Il Sole 24 Ore.Evergrande va in liquidazione, non c'è accordo sul piano di salvataggioEvergrande, il gigante del mattone cinese zavorrato da oltre 300 miliardi di debiti, ha gettato la spugna. Nonostante gli ultimi disperati tentativi a ridosso del weekend non c'è stato accordo sul piano di ristrutturazione con i creditori e Linda Chan, giudice del tribunale di Hong Kong, ha dovuto prendere atto della situazione: unica via possibile, la liquidazione della società, ormai passata alla storia come l'immobiliare più indebitata al mondo. A Hong Kong Evergrande è stata sospesa dalle contrattazioni quando perdeva il 20,87%, toccando il nuovo minimo storico di 0,16 dollari di Hk. Potrà presentare ricorso contro l'ordinanza. I mercati asiatici hanno reagito al colpo della liquidazione di Evergrande grazie all'annuncio delle autorità cinesi sull'adozione di misure specifiche per sostenere i mercati azionari già in bilico da tempo. A partire da oggi la Cina sospenderà le vendite allo scoperto delle azioni vincolate, una mossa che non si vedeva dal 2015, anno del crollo delle borse cinesi. Lo stop alle negoziazioni del titolo Evergrande è stato deciso anche per le azioni delle due controllate del gruppo di Shenzhen, attive rispettivamente nelle auto elettriche e nella gestione dei servizi immobiliari: Evergrande NEV (-18,21% a 0,23 dollari di Hk) e Evergrande Services (-2,50% a 0,39 dollari di Hk). Non così per gli altri protagonisti del mattone: Country Garden, il primo player privato in default dallo scorso anno, è salito del 2,86%. Sunac del 4,84% e Kwg del 5,05%. Anche Longfor in rialzo del 2,12%. Poi i listini cinesi hanno cambiato rotta cedendo terreno dopo l'ordine dell'Alta corte di Hong Kong: l'indice Composite di Shanghai cedeva lo 0,31%, a 2.901,10 punti, mentre quello di Shenzhen perdeva ben l'1,61%, a quota 1.651,04. La chiusura è stata, alla fine, in positivo. Approfondiamo il tema con Alessandro Plateroti, direttore Newsmondo.it.Confindustria lancia nuovo indice Real time turnover, a dicembre crescita +0,8%Il Centro Studi di Confindustria lancia un nuovo indicatore per l economia italiana, Rtt (Real time turnover), un indice elaborato con Teamsystem che già collabora con i Giovani Imprenditori di via dell Astronomia. Si basa sul sistema di fatturazione elettronica gestito da TeamSystem: 400 milioni di fatture elettroniche l anno per 900 miliardi di valore facciale. È in grado - viene spiegato - di stimare la dinamica dell attività economica, in tempo reale, a partire dal fatturato di 200 mila imprese, con focus dedicati a macro settori, territori e dimensioni d impresa. Il nuovo indice accompagnerà l indagine rapida Csc sull attività delle grandi imprese industriali. Come evidenzia Alessandro Fontana, il direttore del centro studi di via dell'Astronomia, il nuovo indice «anticipa gli altri indicatori congiunturali su fatturato, produzione, Pil, di almeno un mese, ha una elevata capacità previsionale», è «l unico dato quantitativo disponibile sull attività economica» entro un mese (altri indicatori, come per fiducia e Pmi, sono solo qualitativi): si punta così ad una maggiore efficacia «nel capire la dinamica del Pil» ma anche ad un monitoraggio in tempo reale settore per settore con focus su servizi, costruzioni e industria. Il calo nell'industria segnalato da Rtt «è coerente con i risultati dell Indagine rapida del Centro studi di Confindustria sull attività delle grandi imprese industriali, che segnala come a dicembre sia maggiore la quota di imprese che si aspettava una riduzione della produzione, rispetto a quelle che ne prevedevano un aumento». A gennaio 2024 «quasi la metà del campione di grandi imprese industriali associate a Confindustria si attende un livello di produzione stabile rispetto a dicembre (47,1% dal 33,4% nel mese precedente). Le attese sulla domanda e sugli ordini migliorano a gennaio e saranno il principale fattore di traino nei prossimi mesi. Mentre è negativa la percezione su aumento dei costi di produzione, condizioni finanziarie, disponibilità di materiali, impianti e manodopera». Ne parliamo con Alessandro Fontana, direttore del Centro studi di Confindustria.

Banken unterliegen strengen regulatorischen Anforderungen. Dessen Einhaltung wird einerseits durch interne Maßnahmen und Funktionen (bspw. Interne Revision) und andererseits durch externe Prüfungen (bspw. Aufsichtsgespräche, Meldungen) sichergestellt. Neben diesen fortlaufenden bzw. regelmäßigen Überwachungsmechanismen gibt es auch sog. Sonderprüfungen der Aufsicht – häufig bekannt als „44-Prüfung“ – in Anlehnung an den Paragrafen 44 Abs. 1 des KWG nachdem die Ordnungsmäßigkeit der Geschäftsorganisation einer Bank von der BaFin geprüft werden kann. • Wie läuft eine Sonderprüfung in einer Regionalbank typischerweise ab? • Was sind dabei Herausforderungen für Banken? • Und welche Prüfungsschwerpunkte setzt die Aufsicht? Das sind die Fragen, die Jan Müller-Dethard, Berater bei zeb, mit Ulf Morgenstern und Florian Wesemann diskutiert – beides ausgewiesene Regulatorik-Experten für Regionalbanken im zeb.

ICYMI: Konversations With Glo Radio Show brought on Kai, Host of The Motherhood, Sex, and Marijuana Podcast. On this segment we talked about...welp you guess it, MARIJUANA. When was the first time you tried smoking weed? Have you ever worked out while high? Do you have a funny story of when you were high? If so, go ahead and click on that play button and enjoy the konversation that me and Kai had with each other. We had some fun facts to give as well about marijuana.  Be sure to tell a friend about this konversation and have them follow KWG as well.    If you want to hear more of Kai, be sure to follow her on: IG: @motherhood_sex_marijuana @rk1kaistorm Twitter: @MotherhoodSex @AlaniStory   You can catch ya girl "Glo" on.... Become a Patreon and get backstage passes to see the video of the shows. Visit the website www.konvowithglo.com to sign up IG: konversations.with.glo Twitter: @KonversationsG Join the FB group: Konversations With Glo

ICYMI: Konversations With Glo Radio Show brought on Doriane, Owner of Big Meats. On this segment we konversated about "Modern Dating". I've read that "Modern Dating" is meeting online, talking on the phone for a couple of months then meeting in person. Yeah, if you made a face, I did too. Lol. The konversation was very interesting. Go ahead and click that play button and hear what we had to say. Be sure to tell a friend about this konversation and have them follow KWG as well.    If you want to book Doriane, be sure to follow him on: IG: @bigmeats_ceo Twitter:    You can catch ya girl "Glo" on.... Become a Patreon and get backstage passes to see the video of the shows. Visit the website www.konvowithglo.com to sign up IG: konversations.with.glo Twitter: @KonversationsG Join the FB group: Konversations With Glo

ICYMI: Konversations With Glo Radio Show brought on Victor the Host of Liquor Talk Podcast. On this segment, we talked about "One Night Stands". How do you feel about one-night stands? Have you ever had a one-night stand? Well.....if your considering it, click that play button and listen to what me and Victor opinions on ONE NIGHT STANDS. Be sure to tell a friend about this konversation and have them follow KWG as well.    If you want to hear more of Shawanna, be sure to follow him on: IG: @liquortalkpodcast Twitter: @RealVJones   You can catch ya girl "Glo" on.... Become a Patreon and get backstage passes to see the video of the shows. Visit the website www.konvowithglo.com to sign up IG: konversations.with.glo Twitter: @KonversationsG Join the FB group: Konversations With Glo

Selten gibt es einen Gesetzesentwurf der so hohe Wellen schlägt. Beim zweiten Hinsehen wird auch deutlich, warum: 70 – 80 % aller Lebensmittel sind von den vielfältigen Werbeverboten betroffen. Und Übergangsfristen? Bis auf eine Ausnahme tritt dieses Gesetz bereits am Tag nach der Verkündung in Kraft. Was bei der Umsetzung vom KWG unbedingt zu beachten ist, erläutert Ihnen Frau Dr. Stefanie Reinhart in dieser Podcastfolge. Ihre Expertin  Dr. Stephanie Reinhart Rechtsanwältin  Kontaktdaten Dr. Stephanie Reinhart REINHART Rechtsanwälte Partnerschaft mbB Ehrengutstr. 1b 80469 München Tel.: + 49 89 41 11 282 00 Fax: + 49 89 41 11 282 22 E-Mail: info@reinhart.legal Weitere Informationen zum Thema dieser Folge Online-Seminar „Kinder-Lebensmittel-Werbegesetz und die Auswirkungen“ am 13. Juli 2023. Für weitere Informationen gehen Sie hierfür bitte im BEHR'S-Shop auf die Seite www.behrs.de/7586 oder senden eine E-Mail an akademie@behrs.de Wir freuen uns immer über ein Feedback. Schreiben Sie uns Ihre Meinung an podcast@behrs.de Links              •           Kostenfreie Informationen zu Hygiene und Recht )              •           BEHR'S…SHOP               •           BEHR'S…AKADEMIE                •           BEHR'S…ONLINE               •           BEHR'S…e-Learning               •           QM4FOOD                •           HACCP-Portal                •           Folgen Sie uns auf Instagram              •           Aktuelles auf Facebook               •           Videos im Youtube-Kanal   Hat Ihnen diese Folge gefallen? Dann freuen wir uns, wenn Sie unseren Podcast abonnieren. Hinterlassen Sie auch gern eine 5-Sterne-Bewertung, ein Feedback auf iTunes und teilen Sie diesen mit Freunden und Bekannten.  Hinterlassen Sie uns hier Ihre Bewertung Denn Ihre Meinung zählt und hilft uns den Podcast noch besser auf Ihre Bedürfnisse zuzuschneiden.

In this segment on Konversations With Glo Radio Show, I brought on Mo, Host of Free The Cheeks Podcast, and talked about "What is a deal breaker for you on a first date?" and "What should a first date consist of for you?" Boy, when I tell you I had a time talking to him. It was a great konversation. If you don't know what to do, click that play button, listen to the spill, and share it with a friend or 2 and let them know you heard it on Konversations With Glo Podcast/Radio Show.     Make sure to visit the website at konvowithglo.com and sign up for the emailing list and shop for #KWG merch.   Be sure to follow Mo on: Twitter: LemonPeppaSteppah IG: kizzaltv

Das Thema „Auslagerungen im Finanzsektor“ ist aktueller denn je zuvor. Welche Entwicklungen – von der Diversifizierung der Lieferketten über wachsende Netzwerke bis hin zu neuen Erkenntnissen der Aufsicht – hier eine Rolle spielen, erläutert Frank Mehlhorn, Director beim Bundesverband deutscher Banken (BdB). Der Experte für die Themen Outsourcing, Operational Risk und Operational Resilience beleuchtet zudem die aktuelle und neue Regulatorik inkl. der EU-Verordnung „Digital Operational Resilience Act“ (DORA) und wirft einen Blick in die Zukunft: Was bedeutet DORA für die nationalen Regelungen und Vorgaben aus dem KWG? Vorgestellt werden außerdem Hilfestellungen für Institute wie die Leitlinie Outsourcing des BdB und der Austausch innerhalb der Branche.

On this episode of #KWG, I decided to kick it with my homie Antwuan and my bro John. We discussed "Will did what?" If you want to hear what we had to say, you already know what to do. Click that play button and hear what we had to say. Don't forget to share it with a friend that would want to hear it.    Make sure you click the link below to follow me on FB, IG, Twitter and subscribe to my YouTube channel.  Linktree: https://linktr.ee/KonversationsWithGlo If you have any topics that you would like to hear being discussed on the show or if you would like to become a guest on the show, go ahead and send me an email at: @konversationswithglo@gmail.com visit Konversations With Glo website: www.konvowithglo.com   Guest  John- IG: @carpito_birgante           FB: John Johnson Antwuan- IG: flyzenberg48                  FB: Antwuan Dorsey

Mbali na janga la Janga la Corona au COVID-19 ambalo limeikumba dunia kwa zaidi ya miaka miwili, wananchi wa Uganda waishio karibu na Ziwa Albert kwa miaka hiyo miwili wamekuwa wakikabiliwa na changamoto ya ziada ya mafuriko. Wanawake wanachama wa kikundi cha Kaizo Women's Group (KWG) wilayani Hoima ni moja wapo ya vikundi ambayo mipango yao ilikwamishwa na atahri za mafuriko na ambao sasa wanaomba msaada wa kifedha kutoka serikali katika juhudi zao za kujikwamua kutokana na uharibifu wa maji huku wakikabiliana na janga la COVID-19. Mwandishi wetu wa Uganda, John Kibego amefanya mahojiano na Ongyera Aness afisa wa ujasiriamali katika kikundi hicho.  

On this episode of #KWG, I brought my homies on with me on IG LIVE. We discussed many topics as always, but the main question is "Are you willing to submit?"Find out what we said by clicking that play button. To the newbies, after you finish listening share the episode with a friend or 2.    Make sure you click the link below to follow me on FB, IG, Twitter and subscribe to my YouTube channel.    Linktree: https://linktr.ee/KonversationsWithGlo   If you have any topics that you would like to hear being discussed on the show or if you would like to become a guest on the show, go ahead and send me an email at: @konversationswithglo@gmail.com visit Konversations With Glo website: www.konvowithglo.com Guest: John- IG @carpito_birgante How 2 Hustle Podcast - @iamhympe

Just wanted to share with you all how I am feeling today & what KWG

On this episode of #KWG, I brought on my fellow social media mates Gigi and Julie. It was some girl talk going on. The main question is...Can you have sex with no strings attached? Well..can you? Find out what we said by clicking that play button. The newbies, after you finish listening share the episode with a friend or 2.    Make sure you click the link below to follow me on FB, IG, Twitter and subscribe to my YouTube channel.    Linktree: https://linktr.ee/KonversationsWithGlo If you have any topics that you would like to hear being discussed on the show or if you would like to become a guest on the show, go ahead and send me an email at: @konversationswithglo@gmail.com visit Konversations With Glo website: www.konvowithglo.com   Guest  Gigi- Twitter: GQarly7 Julie - Stereo: Baby J 

California Melodies aired from 1940 to 1942 and featured composer David Rose and singer Maxine Gray. The show was a huge orchestral production featuring Rose's music and was broadcast from Hollywood. The music was easy on the ears and quite pleasing and melodic. This is episode 7 which aired on May 30, 1940 over the Don Lee Mutual network from the KHJ radio studios in Hollywood also owned at this time by Don Lee. (Photo) Don Lee made a fortune as the exclusive West Coast distributor of Cadillac automobiles. He expanded into broadcasting by purchasing radio stations KFRC in San Francisco in 1926 and KHJ in Los Angeles in 1927. The stations were connected by telephone circuits and in December 1928 the Don Lee Broadcasting System was formed. Within a month, KMJ in Fresno, California; KWG in Stockton, California; and KFBK in Sacramento, California, had joined the network. By 1938, 28 stations were affiliated with the Don Lee network. Lee died in 1934, leaving his son, Thomas S. Lee, to oversee the network's operation. Affiliating with Don Lee Network enabled Mutual to go coast to coast across the United States. The change, announced on June 27, 1936, added Lee's California affiliated stations to those already connected with Mutual. The expanded Don Lee-Mutual network began operations on December 30, 1936. After that affiliation, Lee continued independent operations, transmitting only certain Mutual programs to stations on the Lee network.

In today's episode, we welcome Avenues School's Global Director of Diversity Equity and Inclusion and parent, Kym Ward Gaffney. Kym joins us to discuss how Avenues' data-driven approach to diversity translates across their multinational campuses. And how a school's becoming and Black & Brown family's belonging requires work. Kym Ward Gaffney has been the Global Head for Diversity, Equity, and Inclusion at Avenues for 1.5 years but a member of the Avenues community as a parent since its inception. Kym has articulated a global framework for a multi-year strategy for DEI and continues to develop specific programming aligned to Avenues' mission. Prior to joining Avenues, KWG served PricewaterhouseCoopers in consulting and executive coaching capacities for 21 years. Kym earned her BS from Howard University and MBA from NYU Stern School of Business in Marketing and International Business. Follow us at @artic.ulating on IG for more of Articulating!

In der heutigen Jubiläums-Episode von PayTechTalk spreche mit Alireza Siadat, Rechtsanwalt im Bereich „Bank und Bankaufsichtsrecht“ sowie Kryptoexperte der ersten Stunde. Worüber wir sprechen: Kryptoverwahrgeschäft Mit der Umsetzung der Änderungsrichtlinie zur 4. EU-Geldwäscherichtlinie (AMLD5) in Deutschland hat der Gesetzgeber zum 1.1.2020 als erlaubnispflichtige Finanzdienstleistung den Erlaubnistatbestand des Kryptoverwahrgeschäfts in das Kreditwesengesetz eingefügt. Hierzu haben wir hier im Blog aber auch in anderen Medien bereits umfassend berichtet. Danach unterliegt der Aufsicht der BaFin, wer Kryptowerte oder kryptographische Schlüssel, die dazu dienen, Kryptowerte zu halten, zu speichern oder zu übertragen, für andere verwahrt, verwaltet und sichert. Kryptowerte und kryptographische Schlüssel Zur Einordnung, was unter den Tatbestand der Kryptoverwahrung fällt, haben wir uns ausführlich zu den Begriffen „Kryptowerte“ und „kryptografische Schlüssel“ unterhalten und uns dabei die gängigen Buzzwords „Payment Token“, „Utility Token“, „Security Token“ und „Stable Coin“ näher angesehen. Grandfathering nach § 64y KWG Um den Marktteilnehmern Zeit zu geben, ihre IT-Systeme auf die neuen regulatorischen Anforderungen anzupassen, hat der Gesetzgeber eine Übergangsregelung eingeführt. Was das bedeutet und welche Anforderungen Marktteilnehmer erfüllen müssen, um unter die Übergangsregelung nach § 64y KWG zu fallen, besprechen wir ausführlich in der heutigen Episode. Erlaubnis zur Erbringung des Kryptoverwahrgeschäfts Am 1.4.2020 veröffentlichte die BaFin erste Hinweise dazu, welche Anforderungen sie an die Beantragung einer Erlaubnis zur Erbringung des Kryptoverwahrgeschäfts stellt. In dem Hinweisschreiben betont die BaFin, dass die Hinweise weder abschließend noch vollständig sind. Ergänzend gelten vielmehr auch die weiteren Hinweise und Merkblätter der BaFin zur Beantragung einer Erlaubnis nach dem KWG, den Anforderungen an die Geschäftsleiter, die MaRisk, etc., und auch weitere gesetzliche Anforderungen wie z. B. die ZAGAnzV, die Inhaberkontrollverordnung, etc. Wie das alles einzuordnen ist, welche wichtigen Belange ein Antragssteller unbedingt beachten sollte, bevor er eine Erlaubnis beantragt, und mit welchen finanziellen Dispositionen ein Antragssteller bei der Beantragung einer Erlaubnis rechnen sollte, darüber sprechen wir ausführlich in PayTechTalk 50. Reinhören lohnt, bleibt gesund! Weiterführende Informationen und Links finden Sie auf PayTechLaw: https://paytechlaw.com/paytechtalk-50-kryptoverwahrgeschaeft-bafin-erlaubnis/

https://www.youtube.com/channel/UC39c7aJeyIG_V4hcYlzp-Cw?sub_confirmation=1 https://www.facebook.com/gloria.g.miller.73 https://www.instagram.com/konversations.with.glo /https://www.facebook.com/groups/2187907464803922/?ref=bookmarks Twitter: @KonversationsG

Das Gesetz zur „Umsetzung der Änderungsrichtlinie zur vierten EU-Geldwäscherichtlinie“ klingt zunächst wenig spannend, ist es aber. Geldwäschethemen haben, anders als der Name des Gesetzes es vermuten lässt, es jedoch kaum in die Schlagzeilen unserer FinTech- & Krypto-Bubble geschafft. Trending waren dagegen „Lex Apple Pay“ und „Kryptoverwahrgeschäft“. Die Lex Apple Pay, die auch Thema unseres nächsten PayTechTalk sein wird, hat meine Kollegin Susanne bereits verarztet. Heute geht es um das „Kryptoverwahrgeschäft“ als neue Finanzdienstleistung im KWG. Was bisher geschah Ende Juli 2019 legte die Bundesregierung einen ersten Gesetzentwurf vor, der seither für einige Diskussionen gesorgt hat. Die Krypto-Regulierung sei ein Schritt in die richtige Richtung. Deutschland sei kurz vor dem „Krypto-Himmel“. Die „Hauruck-Regulierung“ im nationalen Alleingang würde Ärger vorprogrammieren. Banken hätten bald ein neues Geschäftsfeld. Verbraucherschützer warnten vor neuen „Vertriebsmodellen zu Lasten von Verbrauchern“. Auch wir bei PayTechLaw gaben unseren Senf dazu. In PayTechTalk Nr. 44 haben wir den nationalen Alleingang Deutschlands in Sachen Krypto-Regulierung sowie das unsinnige Trennungsgebot kritisiert. Das Trennungsgebot hat es, wie wir heute wissen, erfreulicherweise nicht in den finalen Gesetzestext geschafft. Dies dürfte einer Beschlussempfehlung des Bundesrats zu verdanken sein, daher an dieser Stelle: Herzlichen Dank, lieber Bundesrat! Kryptoverwahrgeschäft als neue Finanzdienstleistung - und nun? Die Schlagzeilen der letzten Wochen sowie die Verabschiedung des finalen Gesetzestextes haben uns veranlasst, noch einmal genau hinzusehen, was sich im Vergleich zu dem ersten Gesetzentwurf eigentlich geändert hat. Wir gehen u. a. der Frage nach, weshalb Banken (bis auf wenige Ausnahmen) ihren Kunden bis dato Kryptowerte nicht direkt anbieten oder Kryptowerte für ihre Kunden verwahren, obwohl sie es rechtlich (schon immer) dürfen. Wir wagen außerdem eine Prognose, wie sich die Marktbedingungen durch das neue Gesetz verändern können und wie die Marktteilnehmer darauf reagieren. Dies und mehr bespreche ich mit unserem heutigen Gast Hartmut Giesen von der Sutor Bank in der 46. Episode von PayTechTalk – viel Spaß! Weiterführende Informationen und Links findet Ihr unter https://paytechlaw.com/paytechtalk-46-kryptoverwahrgeschaeft-kwg/

In this episode of #KWG, I sat down with John, Tay, and Pablo. We discussed random topics. I really just wanted to get a man's perspective on what women think it's right. So like always grab some popcorn and enjoy the show because we had some things to say.

On this episode of #KWG, I sat down with down Blake and Pablo. We discussed random topics that led us into random conversations. We all had a different type of perspective on the topics that we discussed. Pablo had an important question "Would you talk to me if I walked around with my pockets hanging out my pants?" Let's find out what you may think about his question. 

In this episode of #KWG, I decided to do a solo episode. The topic "Feelings" came upon my heart. I felt like I needed to release some things that would help me be a better me. Everyone has feelings. How we address those feelings are on us. 

On this episode of #KWG, I had Blake, Javis, and Henny come on and discuss more of the "Black Community". The reason for this episode is that we are trying to build our community up and make it a whole. We want our people to learn how to save money, and what to do with your save money. We also discussed other topics as well.

Anna Konstantinova Strategy Director at KWG is interviewed in this episode. Follow Adam on Instagram at Ask Adam Torres for up to date information on book releases and tour schedule. Apply to become a featured co-author in one of Adam's upcoming books: https://www.moneymatterstoptips.com/coauthor --- Support this podcast: https://anchor.fm/moneymatters/support

In der heutigen Episode von PayTechTalk widmen wir – Christian, Hugo und ich – uns dem Referentenentwurf des BMF zur Umsetzung der Änderungsrichtlinie zur Vierten EU-Geldwäscherichtlinie (RL [EU] 2018/843) (= AMLD5). Einen guten Überblick zu diesem Gesetzentwurf findet ihr in unserer kommentierten Vergleichsversion, die in dem Beitrag „Referentenentwurf zur Umsetzung der fünften Geldwäscherichtlinie – Was kommt, was bleibt?“ verlinkt ist. Der Referentenentwurf dient in erster Linie der Umsetzung der AMLD5. Er sieht aber auch Änderungen in einer Reihe anderer Gesetzes vor, vor allem im KWG. In PayTechTalk 38 möchten wir Euch heute einen Überblick über die wesentlichen Änderungen geben. Der Referentenentwurf des BMF zur Umsetzung der AMLD5 Was könnt ihr heute erwarten? Wir sprechen über die Erweiterung des Verpflichtetenkreises, z.B. Wallet Provider, Umtauschplattformen und ausländische Zahlungsinstitute und E-Geld-Institute. In diesem Zusammenhang beleuchten wir auch neue Legaldefinitionen, z. B. den Begriff „Kryptowert“, der sehr weit zu verstehen ist. Was bei drei nicht auf dem Baum ist, wird als Kryptowert "verhaftet". Wir sprechen über die Auswirkungen für die Branche. Sind Miles & More-Punkte künftig Kryptowerte? Oder fallen Prämienmeilen nicht eher unter den E-Geld-Begriff? Hieran könnte sich eine spannende Diskussion entfachen, die Verbraucher entspannt verfolgen können, Anbieter von Loyalty-Programmen dagegen eher nicht. Es könnte auf eine Wahl zwischen Pest und Cholera hinauslaufen. Interessant ist auch, dass ausländischen Instituten künftig möglicherweise Bußgelder aus Deutschland drohen. Wie bitte? Ja, die BaFin hat künftig möglicherweise direkte Sanktionsmaßnahmen gegen im EU-Ausland ansässige Unternehmen. Da wir nur die aus unserer Sicht wesentlichen Punkte besprochen haben, sind wir gespannt, ob ihr noch weitere Punkte seht, über die wir auf PayTechTalk sprechen oder auf dem Blog schreiben sollen. Meldet Euch, wir freuen uns über Fragen und Themenvorschläge. Viel Spaß bei PayTechTalk 39. Weiterführende Informationen und Links: • Blogbeitrag: „Referentenentwurf zur Umsetzung der fünften Geldwäscherichtlinie – Was kommt, was bleibt?“: https://paytechlaw.com/referentenentwurf-5-geldwaescherichtlinie/ • Detaillierter PayTechLaw-Gesamtüberblick über die Neuregelungen der AMLD5 inkl. Aller Änderungen im aktuellen Gesetzestext des Geldwäschegesetzes (GwG) und Kreditwesengesetzes (KWG) mit jeweiliger Begründung des BMF: https://paytechlaw.com/wp-content/uploads/PayTechLaw_Referentenentwurf_GwG-und-KWG-mit-GBegr-1.pdf

This week, KWG discusses the latest string of racist incidents in the fashion industry and how these incidents inform reactionary politics within the black community. Join us for a philosophical discussion on the origins of “blackness,” the profitability of black trauma and the work that’s ahead in confronting and dismantling racist practice. Love us for real.

KWG intro • DLGEB • Closing

Was ist eigentlich E-Geld? Wofür braucht man das überhaupt? Müssen Erwerber von E-Geld identifiziert werden – und macht das so wirklich Sinn? Hat die Umsetzung der vierten EU-Geldwäscherichtlinie mit dem neuen § 25i KWG das Ende des E-Gelds eingeleitet – und welche Unklarheiten bestehen hier noch? Welche Praxisrelevanz hat der § 14 GwG in diesem Zusammenhang und was wissen wir hinsichtlich der möglichen Positionierung der BaFin zu diesem Thema? Und was hat das alles eigentlich mit Terrorismus zu tun? Dies und mehr erfahren Sie heute in der neunten Episode von PayTechTalk – heute mit meinem Kollegen und Mit-Autoren von PAYMENT.TECHNOLOGY.LAW., Christian Walz. Viel Spaß mit PayTechTalk 9.

Yahoo! Finance and Agoracom features small cap newsmakers and innovators. In this episode of the Yahoo! Finance Small Cap Podcast, AGORACOM speaks with KWG Resources (TSX-V:KWG) president and CEO, Frank Smeenk KWG discusses recent conversation with Noront resources after proposed acquisition. KWG has a 30% interest in the Big Daddy chromite deposit and the right […]