Podcasts about loans

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    Latest podcast episodes about loans

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies
    YCBK 546: Unlocking the Puzzle of How Colleges Make Admissions Decisions

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies

    Play Episode Listen Later Jun 23, 2025 72:53


    In this episode you will hear:   Mark explains what holistic admissions is, how it works and some of the areas of holistic admissions that are often misunderstood Part 2 of 3 Mark shares a few insights from the counseling room on what to do if your financial situation definitely changes.   Lynda interviews J Hall, a college Dean in Oklahoma City and the author of the book, “College Unpacked” Preview of part 3 of 4 v  J Hall gives some academic advice for students transitioning to college v  J talks about things like procrastination, professors who don't give grace for missed deadlines or hardships v  J talks about the systems colleges have in place to detect plagiarism and whether a student abused AI in their writing and he talks about how important it is to know the policies each professor has in advance v  J talks about all of the resources that are on the college campus to support students that students need to be aware of v  J gives some great advice about what to do when everything goes wrong   Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast.   You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day.   To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses.   Check out our new blog. We write timely and insightful articles on college admissions:   On X for our podcast:   https://twitter.com/YCBKpodcast   1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript   We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK.   Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast.   If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful!   If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live.   Check out the college admissions books Mark recommends:   Check out the college websites Mark recommends:   If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link:     If you want a college consultation with Mark or Lisa or Lynda, just text Mark at 404-664-4340 or email Lisa at or Lynda at Lynda@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

    Real Estate Rookie
    How to Fund Your First Rental (Rental Property Loans 101) (Rookie Reply)

    Real Estate Rookie

    Play Episode Listen Later Jun 20, 2025 34:24


    Welcome to another Rookie Reply, where Tony J Robinson and Ashley Kehr answer questions from the BiggerPockets Forums and Real Estate Rookie Facebook group. This time, we're covering questions like: How do you fund your first real estate deal? Do you need a real estate license to invest? What is cap rate and why does it matter? Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/rookie-577 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

    Docs Outside The Box - Ordinary Doctors Doing Extraordinary Things
    Trump's Bill's Caps On Grad School Loans Could Worsen Doctor Shortage

    Docs Outside The Box - Ordinary Doctors Doing Extraordinary Things

    Play Episode Listen Later Jun 20, 2025 15:24 Transcription Available


    SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!Is the “One Big Beautiful Bill” really beautiful? We discuss the potential impact of the proposed bill that would cap federal loan amounts for graduate students, particularly affecting medical education. America already faces a severe physician shortage. By creating additional financial barriers to medical education, this legislation threatens to worsen this crisis, potentially leaving more communities without adequate medical care.FREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locumsLINKS MENTIONED The NewYork Times Article - https://www.nytimes.com/2025/06/09/health/trump-budget-student-loans-doctors.html?smid=nytcore-ios-share&referringSource=articleShareQ&A and Suggestions Form - https://forms.clickup.com/9010110533/f/8cgpr25-4614/PEBFZN5LA6FKEIXTWFSend us a Voice Message - https://www.speakpipe.com/docsoutsidetheboxSIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE!Have a question for the podcast?Text us at 833-230-2860Twitter: @drniidarkoInstagram: @docsoutsidetheboxEmail: team@drniidarko.comMerch: https://docs-outside-the-box.creator-spring.comThis episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com

    The Loan Officer Podcast
    When Loan Officers Can Stop Working for the Money | Ep. 551

    The Loan Officer Podcast

    Play Episode Listen Later Jun 20, 2025 29:44


    D.O. tackles the age-old claim that "it's not about the money"—and delivers some hard truths about what it really takes to get to that point in a career. Sharing personal milestones, financial lessons, and the realities of building significant savings, D.O. discusses when and how your work stops being exclusively about the paycheck. 

    Thinking Crypto Interviews & News
    Coinbase's Crypto Loans! Borrow Bitcoin for USDC! with Max Branzburg

    Thinking Crypto Interviews & News

    Play Episode Listen Later Jun 20, 2025 10:48


    I interviewed Max Branzburg, VP of Product at Coinbase, at the Coinbase State of Crypto Summit. We discussed Coinbase's crypto-backed loans, which allow users to borrow against their Bitcoin and receive the loan in USDC.

    Tech Path Podcast
    Coinbase Loans Skyrocketing

    Tech Path Podcast

    Play Episode Listen Later Jun 20, 2025 38:50


    On this episode, we discuss the latest products coming to Coinbase as well as top user questions about coinbase. Coinbase allows borrowing against Bitcoin for USDC loans, with rates as low as 5%, no monthly payments, and up to $1,000,000 USDC available. ~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaulGuest: Max Branzburg, Head of Consumer Product, CoinbaseBuy $50 & Get $50 for getting started on Coinbase➜ https://bit.ly/CBARRON00:00 Intro00:18 Sponsor: iTrust Capital01:20 Bitcoin backed loans03:30 Borrowed USDC can't be used for trading crypto?04:50 Coinbase One Card: Why only Bitcoin?06:45 How do you get on the list?07:53 Coinbase basic vs Regular Coinbase One09:20 Coinbase favoring Bitcoin over ETH?14:40 New customers18:30 Wen DEX trading?21:30 Coinbase prioritizing Aerodrome vs Uniswap?23:50 Will Coinbase take an added fees on DEX buys?24:06 Coinbase Fees27:30 Is Coinbase ONE Membership vs Robinhood Gold29:45 When Wallet Beta release?31:10 Account lockouts still a thing?34:40 Coinbase AI?36:00 Ready for bullrun?38:06 Outro#Coinbase #Crypto #Bitcoin~Coinbase Loans Skyrocketing

    Divorce Master Radio
    How to Separate Joint Loans Without Damaging Credit Scores? | Los Angeles Divorce

    Divorce Master Radio

    Play Episode Listen Later Jun 20, 2025 1:37


    Divorce Master Radio
    How to Handle a Shared Loan Payoff Post-Divorce? | Los Angeles Divorce

    Divorce Master Radio

    Play Episode Listen Later Jun 20, 2025 2:15


    Divorce Master Radio
    What Happens If Your Ex Defaults on a Joint Loan? | Los Angeles Divorce

    Divorce Master Radio

    Play Episode Listen Later Jun 20, 2025 2:02


    Loan Officer Wealth
    How Loan Officers Can Use AI & Backlinks to Rank #1 on Google and ChatGPT, & Close More Deals

    Loan Officer Wealth

    Play Episode Listen Later Jun 20, 2025 16:46


    How Loan Officers Can Use AI & Backlinks to Rank #1 on Google and ChatGPT, & Close More Deals Learn how top mortgage professionals are using AI and high-authority backlinks to rank #1 on Google and ChatGPT—and close more deals in today's competitive market. If you're a loan officer or mortgage broker looking to generate high-quality leads, dominate local SEO, and grow your referral network, this episode breaks it all down.   What You'll Learn:   How to reverse engineer your local competitors to boost your rankings The backlink strategy that helps mortgage pros get featured on Google and ChatGPT How to get your business listed on Fox, NBC, and major news sites for SEO power The role AI plays in content, authority, and online visibility Proven methods to attract more clients and close more loans using SEO   This is the proven SEO and AI strategy used by today's top-producing loan officers to stay ahead of the competition and close more loans. Ready to get your mortgage business ranked? Book a free strategy call now at www.LOReferrals.com

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies
    YCBK 545: How Is The Demographic Cliff Is Going To Impact Admissions Decisions

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies

    Play Episode Listen Later Jun 19, 2025 62:03


    In this episode you will hear:   (03:02) Question from a listener:  Number 1 Hillary and Mark answer a question from Dale from Virginia. Dale wants to know how the demographic cliff will impact admission decisions   (16:40) Question from a listener Number 2 Lisa and Lynda answer a question from a mom from California who wants to know if Columbia University should be avoided because of the protests going on at the campus.   (21:46) Interview Jennifer Mandel from Milwaukee shares her experience of having a student attending a large business school is different from having a student attend a medium size business schools   (40:31) College Spotlight-Interview #2: Mark Stucker and Bob McMahan, President of Kettering University Preview of Part 4 of 5 ²  Bob tells us about the additional personal qualities that Kettering looks for, things that make an applicant pop in the application process ²  Bob tells us the role essays play in admissions ²  Bob tells us about the role recommendations play in the admissions process ²  Bob tells us about interviews and demonstrated interest ²  Bob talks about how they discern if a student has bought in to their unique model ²  Bob talks about the importance of a campus visit ²  Mark asks Bob how many people go into work in the automotive industry ²  Bob answers the question, what have we not discussed that is important       Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast.   You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day.   To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses.   Check out our new blog. We write timely and insightful articles on college admissions:   Follow Mark Stucker on Twitter to get breaking college admission news, and updates about the podcast before they go live. You can ask questions on Twitter that he will answer on the podcast. Mark will also share additional hot topics in the news and breaking news on this Twitter feed. Twitter message is also the preferred way to ask questions for our podcast:   https://twitter.com/YCBKpodcast   1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript   We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK.   Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast.   If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful!   If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live.   Check out the college admissions books Mark recommends:   Check out the college websites Mark recommends:   If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link:     If you want a college consultation with Mark or Lisa or Lynda, just text Mark at 404-664-4340 or email Lisa at or Lynda at Lynda@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

    Investor Fuel Real Estate Investing Mastermind - Audio Version
    How to Attract Lenders: Insights from Real Estate Financing Expert

    Investor Fuel Real Estate Investing Mastermind - Audio Version

    Play Episode Listen Later Jun 19, 2025 31:14


    In this conversation, Stephen Schmidt interviews James Mendelsohn, a seasoned expert in real estate financing. They discuss James's extensive career in lending, the current trends in the lending market, and the various loan options available to investors. James shares insights on how to position financials attractively to lenders, the impact of rising interest rates, and how investors can adapt to tighter capital conditions. He emphasizes the importance of transparency in financial dealings and offers advice for both novice and experienced investors. The conversation concludes with James's plans to launch an equity fund, showcasing his commitment to evolving in the real estate finance space.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

    Justice & Drew
    Hour 2: Dems Need a Loan?

    Justice & Drew

    Play Episode Listen Later Jun 19, 2025 40:05


    Jon covers at length a Supreme Court ruling regarding transgender surgeries and the long-term ramifications.

    Business Buying Strategies from the Dealmaker's Academy
    #327 Masterclass on Financial Due Diligence

    Business Buying Strategies from the Dealmaker's Academy

    Play Episode Listen Later Jun 19, 2025 41:20 Transcription Available


    In this episode of Business Buying Strategies, Johan Gory, managing director of OnPoint Accounting, offers an in-depth masterclass on financial due diligence.   Johan explains the importance of involving a due diligence expert, common pitfalls that cause buyers to overpay, and techniques such as the 'source of funds' trick to uncover the real financial health of a business.   He also discusses the relevance of goodwill, the challenges and opportunities in buying distressed businesses, and the role of director's loans in business valuation. This episode is a must-listen for anyone serious about buying a business without risking their own cash.   Key moments   00:00 Introduction to Business Buying Strategies 01:29 Meet Johan Gory: Expert in Financial Due Diligence 05:16 The Importance of Financial Due Diligence 08:36 Understanding Financial Terminology and Add-Backs 13:53 Opportunities and Challenges in Buying Distressed Businesses 17:25 Networking for Business Opportunities 22:04 Understanding Director's Loans 23:54 Negotiation Strategies with Director's Loans 26:07 Evaluating Business Owner's Compensation 29:48 The Importance of Cash Flow in Due Diligence 30:57 The Secret Weapon: Source of Funds Report 38:49 Commercial Due Diligence: Beyond the Numbers   ** Looking for a great acquisition lawyer in the UK? Use mine! ** If you are looking for a lawyer in the UK to help you get the deal over the line, then use my own lawyer, John Andrews. You can phone his office at (0345) 2412494 or email him at johnandrews.deallawyer@jmw.co.uk. Ready to get started? Here's how you can start your business buying journey… Download our free Business Buying Toolkit https://dealmakers.co.uk/business-buying-toolkit Join our Business Acquisition FastTrack programme https://www.dealmakers.co.uk/fast Already bought a business? if you've already bought a business, you should be part of my Inner Circle group where we discuss raising capital, integration management, and exiting. Email Maria on hello@thedealmakersacademy.com for more information.

    Nghien cuu Quoc te
    Cuộc tấn công bằng drone của Ukraine vào Nga truyền cảm hứng cho Đài Loan

    Nghien cuu Quoc te

    Play Episode Listen Later Jun 19, 2025 8:53


    Máy bay không người lái và các cuộc tấn công do AI điều khiển đã trở thành hướng dẫn cho chiến lược tấn công của Đài Bắc chống lại Trung Quốc.Xem thêm.

    Financial Freedom for Physicians with Dr. Christopher H. Loo, MD-PhD

    Using an SBA loan could be your smartest move to escape the corporate grind and become a business owner. In this episode, Louis Kim—private equity expert and founder of Uson Capital—reveals how you can leverage SBA-backed financing to achieve financial freedom through small business acquisition.We explore the real-world mechanics of buying a business using an SBA loan, including eligibility, deal structuring, and how professionals with no prior ownership experience can use this tool to step into profitable, cash-flowing companies. Louis breaks down the risk versus reward, explains why this is a smarter play than starting from scratch, and guides you toward building an ownership mindset.If you've been Googling questions like:"How do I buy a business with no money down?""Is an SBA loan good for buying a business?""What's a realistic exit strategy from a high-stress job?"This conversation has your answers.We also discuss the coming wave of wealth transfer from aging baby boomers, and how this creates a massive opportunity for new owners. Plus, Louis shares why he started an entrepreneurial coaching program, The Owner's Path, to empower professionals like you.Whether you're ready to ditch your W-2, curious about private equity, or just exploring smarter investment options, this episode gives you actionable insight and strategic clarity.00:00 – Welcome & intro to Louis Kim01:00 – From family business to private equity02:00 – Baby boomers and the $84 trillion wealth transfer03:00 – Understanding the ideal client and their pain points04:00 – Why now is the time for small business acquisition06:00 – What is an SBA loan and how it works08:00 – The difference between buying vs. starting a business10:00 – Purpose behind The Owner's Path and entrepreneurial coaching12:00 – Burnout, reflection, and discovering an ownership mindset14:00 – Integrating capitalism with consciousness15:30 – How to connect with Louis KimTo check out the YouTube (video podcast), visit: https://www.youtube.com/@drchrisloomdphdDisclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  Click here to join PodMatch (the "AirBNB" of Podcasting): https://www.joinpodmatch.com/drchrisloomdphdWe couldn't do it without the support of our listeners. To help support the show:CashApp- https://cash.app/$drchrisloomdphdVenmo- https://account.venmo.com/u/Chris-Loo-4Spotify- https://podcasters.spotify.com/pod/show/christopher-loo/supportBuy Me a Coffee- https://www.buymeacoffee.com/chrisJxClick here to schedule a 1-on-1 private coaching call: https://www.drchrisloomdphd.com/book-onlineClick here to check out our bookstore, e-courses, and workshops: https://www.drchrisloomdphd.com/shopClick here to purchase my books on Amazon: https://amzn.to/2PaQn4pFor audiobooks, visit: https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1FFollow our YouTube channel: https://www.youtube.com/chL1357Follow us on Twitter: https://www.twitter.com/drchrisloomdphdFollow us on Instagram: https://www.instagram.com/thereal_drchrislooFollow us on Threads: https://www.threads.net/@thereal_drchrislooFollow us on TikTok: https://www.tiktok.com/@drchrisloomddphdFollow our Blog: https://www.drchrisloomdphd.com/blogFollow the podcast on Spotify: https://open.spotify.com/show/3NkM6US7cjsiAYTBjWGdx6?si=1da9d0a17be14d18Subscribe to our Substack newsletter: https://substack.com/@drchrisloomdphd1Subscribe to our Medium newsletter: https://medium.com/@drchrisloomdphdSubscribe to our LinkedIn newsletter: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6992935013231071233Subscribe to our email list: https://financial-freedom-podcast-with-dr-loo.kit.com/Thank you to all of our sponsors and advertisers that help support the show!Financial Freedom for Physicians, Copyright 2025

    Property Profits Real Estate Podcast
    "Buy Before Sell Loans" with Mark Hanf & Edward Brown

    Property Profits Real Estate Podcast

    Play Episode Listen Later Jun 18, 2025 19:49


    In this episode, Dave is joined by Mark Hanf and Edward Brown from Pacific Private Money. They dive deep into an innovative financing strategy helping homeowners purchase their next home before selling their current one—a smart solution especially popular in competitive markets. Mark and Edward explain how their "Buy Before Sell" consumer bridge loan program works and why it's grown to become half of their business. With over 17 years of lending experience, they share how Pacific Private Money evolved from serving real estate flippers to helping everyday homeowners, and why their solutions provide speed, flexibility, and financial peace of mind. You'll also learn about their alternative investment options for accredited investors—including their Arrival Fund, trust deed investing, and how their conservative, short-term real estate loans generate reliable returns. Key Topics: What makes Pacific Private Money unique in the lending space How "Buy Before Sell" bridge loans work Key advantages for homeowners and real estate professionals Investment opportunities for accredited investors Marketing shifts in private lending and capital raising   - Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/

    The Local Marketing Lab
    Getting started with video marketing for loan officers with Mandy Philips

    The Local Marketing Lab

    Play Episode Listen Later Jun 18, 2025 26:21


    Are you struggling to generate consistent leads? In this episode of the Local Marketing Lab, Mandy Philips, Branch Manager at Omega Mortgage Group, reveals how video marketing for loan officers transformed her business. Mandy shares her proven strategies for building a social media following and turning followers into clients.Here are some topics discussed in the episode around video marketing for loan officers:Overcome the fear of getting started with video contentThe “5-video batch method” for consistent content creationRepurpose content across multiple social platformsThe power of Q&A videosCross-collaboration with local businessesResourcesConnect with Mandy Philips on LinkedIn.Learn more about Omega Mortgage Group.Follow Many on TikTok, Instagram, Facebook, or YouTube.Other shout-outsScott Bentley for amazing mortgage video content on TikTok.

    Sunlight
    What Counts As Taxable Income

    Sunlight

    Play Episode Listen Later Jun 17, 2025 18:17


    It's easy to get confused when it comes to figuring out what you need to report as income on your tax return.  Today, I'm going over some of the most common ways to receive money as an entrepreneur and talking about what actually counts as income in your business so you can be prepared for your taxes.  Join me in this episode to learn more about determining your total income and how you can make sure you report it correctly to the IRS.   Also mentioned in this episode: 00:00 Understanding Tax Obligations for Self-Employed Individuals 10:36 What Counts as Income: Key Definitions and Examples 16:39 Clarifying Non-Taxable Income: Gifts, Loans, and More If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences.   Links: Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Get your free visual guide to tax deductions Check out my program, Money Bootcamp

    Good. Better. Broker.
    Managing Relationships with Maximum Efficiency | Episode 99

    Good. Better. Broker.

    Play Episode Listen Later Jun 17, 2025 21:38


    The following guest sits down with host Justin White:•   Adrian Webb - Sr. Loan Officer, Milestone Mortgage SolutionsHow to Leverage Your Time and Build Your Business Through Strong ConnectionsAdrian Webb is one of the top mortgage loan originators in the country. Even though his loan volume has increased over the years, his sales activities have stayed the same. Why do mortgage brokers have to stay connected to their referral sources regardless of how much business they're doing? Tune into episode #99 of Good. Better. Broker. to find out how Adrian maximizes his schedule and holds himself accountable.In this episode of the Good. Better. Broker. podcast, you'll learn how to leverage your time to build new relationships and further existing ones.In this episode, we discuss ...•   1:30 – Adrian's approach to relationship management•   3:06 – why Adrian's activity level never changes •   4:41 – how Adrian measures his activity•   6:03 – interacting with clients in person vs. virtually•   6:48 – the importance of working on the weekend•   7:52 – making sure people know what you do•   10:12 – lunch meetings vs. open houses•   12:51 – using metrics to define success•   14:20 – Adrian's definition of a perfect week•   15:44 – how to not be overly salesy to agents•   17:43 – getting people in the community to think of you for their home loanResources mentioned in this episode:Real Producers Magazine Show Contributors:Adrian WebbConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook •   LinkedIn •   Instagram •   Twitter •   YouTubeHead to uwm.com to see the latest news and updates.

    The Rollo and Slappy Show
    Episode 466 - Get On Zero #43 - Loan Scams and the War Machine

    The Rollo and Slappy Show

    Play Episode Listen Later Jun 17, 2025 58:36


    Subscribe to the podcastWe recap some ideas surrounding Lava Loans and then make an appeal to Get On Zero to avoid supporting the latest war being threatened in Iran.Learn about Bitcoin at a trickleBitcoinTrickle.comSponsorLiberty MugsKeep in touch with us everywhere you areJoin our Telegram groupLike us on FacebookFollow us on Twitter: @libertymugs (Rollo), @Slappy_Jones_2Check us out on PatreonLearn everything you need to know about Bitcoin in just 10 hours10HoursofBitcoin.comPodcast version

    Divorce Master Radio
    What Happens If Your Ex Defaults on a Joint Loan? | Los Angeles Divorce

    Divorce Master Radio

    Play Episode Listen Later Jun 17, 2025 1:24


    Divorce Master Radio
    How to Handle a Shared Loan Payoff Post-Divorce? | Los Angeles Divorce

    Divorce Master Radio

    Play Episode Listen Later Jun 17, 2025 1:37


    The Peak Daily
    Ooh la la

    The Peak Daily

    Play Episode Listen Later Jun 17, 2025 22:50


    A new automaker is looking to bring a splash of French panache to Canada's EV market. You know the economy's in a weird place when Beyonce tickets and late-night DoorDash orders are getting financed like mortgages.

    Loan Officer Freedom
    Loan Officer Podcast: Build Your 3-Hour Power Block

    Loan Officer Freedom

    Play Episode Listen Later Jun 16, 2025 10:12


    Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White, busts the myth that longer hours mean more closings—and shares how focused effort wins every time. He walks through the 3-hour daily system that top-producing LOs use to double their volume while taking their nights and weekends back. You'll hear the real-life story of “Debbie” who traded 12-hour days for focused mornings and now closes more loans than ever. If you're ready to stop chasing busy work and start making real money with real balance, this one's a must-listen.

    The Extra Inch (Spurs Podcast)
    Start, Bench, Loan, Sell

    The Extra Inch (Spurs Podcast)

    Play Episode Listen Later Jun 16, 2025 50:00


    Bardi, Nathan and Windy talk Frank and do some squad planning.Check out our new merch: https://theextrainch.shop/https://drinkag1.com/extrainchThe Extra Inch Podcast, in association with 1882fanzine. Get your copy of the latest issue and the whole back catalogue at https://linktr.ee/1882fanzine.----------You've been listening to The Extra Inch, a Spurs podcast.Become an xSub: https://www.patreon.com/theextrainchProduction by Nathan A Clark (Twitter @NathanAClark).Intro music by David Lindmer (https://www.instagram.com/davidlindmer).Artwork by Trayton Miller (https://www.traytonrmiller.com/).Go get your merch at https://www.theextrainch.co.uk/Email us at podcast@theextrainch.co.ukTwitter: https://twitter.com/TheExtraInchFacebook: https://www.facebook.com/TheExtraInch/Twitch: https://www.twitch.tv/theextrainch#Spurs #COYS #THFCThe Extra Inch is a Tottenham podcast brought to you by Windy, Bardi and Nathan A Clark. Hosted on Acast. See acast.com/privacy for more information.

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies
    YCBK 544: Some Tips For HS Grads to Successfully Transition to College-Part 2

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies

    Play Episode Listen Later Jun 16, 2025 55:25


    In this episode you will hear:   Mark explains what holistic admissions is, how it works and some of the areas of holistic admissions that are often misunderstood.   Lynda interviews J Hall, a college Dean in Oklahoma City and the author of the book, “College Unpacked” - Part 2 Preview v  J Hall continues giving tips to parents when they drop off their student at college v  J Hall and Lynda talk about the big shopping run, and they give some tips of what to get when shopping v  J Hall and Lynda discuss roommates, and they give some roommate advice v  J Hall and Lynda discuss selecting a dorm room v  J Hall discusses whether a student should bring a car to campus v  J gives advice about how to find friends on campus v  J gives advice for parents about what to do on Parents Weekend   Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast.   You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day.   To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses.   Check out our new blog. We write timely and insightful articles on college admissions:   On X for our podcast:   https://twitter.com/YCBKpodcast   1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript   We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK.   Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast.   If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful!   If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live.   Check out the college admissions books Mark recommends:   Check out the college websites Mark recommends:   If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link:     If you want a college consultation with Mark or Lisa or Lynda, just text Mark at 404-664-4340 or email Lisa at or Lynda at Lynda@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/  

    Holtecast - An Aston Villa Podcast
    KEEP, LOAN, SELL: Aston Villa's summer rebuild starts here!

    Holtecast - An Aston Villa Podcast

    Play Episode Listen Later Jun 16, 2025 56:52


    With the summer transfer window now open once more, Cole, Simon and Tom assess the futures of the first steam squad in what is sure to be yet another busy and challenging period for the football club.You can listen for FREE on Acast, Apple Podcasts, and Spotify - dig in!WHAT DO WE DISCUSS?Which first team regulars could be made available this summer?Could we see a complete overhaul in the goalkeeping department?Does Matty Cash still have a role to play in this squad?Could Youri Tielemans' or Boubacar Kamara's futue at Villa be in doubt?Is Jacob Ramsey one of the most sellable assets?STAY CONNECTED:Email: holtecast@gmail.comX: @HoltecastPodThreads: HoltecastBluesky: @holtecastpod.bsky.socialCole Pettem: @TalkAstonVillaTom Nightingale: @tdnightingaleSimon O'Regan: @SiOReganEPISODE NOTES:Thank you to our charity partner, Acorns Children's Hopsice.Donate today to support a fantastic charity: https://www.acorns.org.uk/get-involved/donate/ Hosted on Acast. See acast.com/privacy for more information.

    TẠP CHÍ VIỆT NAM
    Hiệp định EEZ với Indonesia: Việt Nam khẳng định chủ quyền ở Biển Đông nhưng không đối đầu với Trung Quốc

    TẠP CHÍ VIỆT NAM

    Play Episode Listen Later Jun 16, 2025 10:42


    Sau 12 năm đàm phán, Việt Nam và Indonesia đã đạt được thỏa thuận về phân định vùng đặc quyền kinh tế. Văn bản được công bố chính thức ngày 23/12/2022 trong chuyến thăm cấp Nhà nước Jakarta của chủ tịch nước Việt Nam Nguyễn Xuân Phúc. Bước cuối cùng là Quốc Hội hai nước phê chuẩn văn bản để có chính thức có hiệu lực và giải quyết những căng thẳng, bất đồng và cùng phát triển khai thác tài nguyên theo đúng luật biển quốc tế. Trả lời phỏng vấn RFI Tiếng Việt ngày 18/04/2025, nhà nghiên cứu Laurent Gédéon, Trường Sư phạm Lyon (École normale supérieure de Lyon), nhấn mạnh bối cảnh quan hệ song phương tốt đẹp là một trong những yếu tố giúp Việt Nam và Indonesia thiết lập được thỏa thuận. Năm 2025, hai nước kỷ niệm 70 năm thiết lập quan hệ ngoại giao. Quan hệ “đối tác chiến lược” có từ năm 2013 được nâng lên thành “đối tác chiến lược toàn diện” vào ngày 09/03/2025 nhân chuyến thăm cấp Nhà nước của tổng bí thư Tô Lâm tới Indonesia. Về kinh tế, trong ASEAN, Indonesia là đối tác thương mại lớn thứ ba của Việt Nam và Việt Nam là đối tác thương mại lớn thứ tư của Indonesia. Mục tiêu của hai chính phủ là tăng kim ngạch thương mại song phương lên 18 tỷ đô la vào năm 2028. RFI : Việt Nam và Indonesia sớm phê chuẩn hiệp định phân định vùng đặc quyền kinh tế (EEZ). Việt Nam và Indonesia có những yêu sách cụ thể như nào ở Biển Đông ? Laurent Gédéon : Các cuộc đàm phán về pháp lý liên quan đến hiệp định tập trung vào việc giải quyết các vùng đặc quyền kinh tế chồng lấn mà Việt Nam và Indonesia đều đòi chủ quyền. Tôi muốn nhắc lại cả hai nước đều là thành viên của Công ước Liên Hiệp Quốc về Luật Biển, được Indonesia phê chuẩn ngày 03/02/1986 và Việt Nam phê chuẩn ngày 25/07/1994. Như vậy, cả hai nước đều công nhận luật biển quốc tế. Sự chồng lấn về chủ quyền giữa hai nước liên quan đến vùng biển xung quanh quần đảo Natuna ở phía nam Biển Đông. Đối với Việt Nam, đường phân định EEZ phải trùng với ranh giới thềm lục địa giữa Indonesia và Việt Nam. Hà Nội dựa vào thực tế là ranh giới này đã được xác định vào năm 2003 thông qua một thỏa thuận song phương. Ngược lại, Indonesia cho rằng ranh giới của vùng đặc quyền kinh tế cần được đàm phán riêng biệt với ranh giới của thềm lục địa. Jakarta lập luận rằng theo Công ước Liên Hiệp Quốc về Luật Biển (UNCLOS), đây là hai vùng biển riêng biệt, cho nên phải được đàm phán riêng. Do đó, Indonesia muốn tính đến đường trung tuyến giữa quần đảo Natuna và Côn Đảo : Quần đảo Natuna cách đảo Kalimantan của Indonesia khoảng 300 km, còn Côn Đảo cách bờ biển Việt Nam khoảng 90 km. Nhưng đối với Hà Nội, việc sử dụng đường trung tuyến giữa các quần đảo là không công bằng vì có lợi cho Indonesia. Đọc thêmViệt Nam và Indonesia đạt đồng thuận về phân định vùng đặc quyền kinh tế Nhiều vấn đề pháp lý khác cũng đã được nêu lên trong quá trình đàm phán, đặc biệt là những khác biệt trong các đường cơ sở được sử dụng để đo khu vực phân định. Là một quốc gia quần đảo, Indonesia được phép sử dụng đường cơ sở quần đảo, tức là các đường thẳng, không nhất thiết phải chạy theo đường bờ biển, trong khi Việt Nam chỉ có thể sử dụng đường cơ sở thông thường chạy theo đường bờ biển. Hai phương pháp cơ bản khác nhau này làm phức tạp các cuộc đàm phán vì Hà Nội cho rằng điều này làm suy yếu vị thế của họ. Bất chấp những khác biệt, Indonesia và Việt Nam cuối cùng đã thống nhất về hai đường ranh giới phù hợp với Công ước Liên Hiệp Quốc về Luật Biển, trong đó quy định rằng thềm lục địa và vùng đặc quyền kinh tế là hai vùng biển riêng biệt cần được đàm phán riêng. Tuy nhiên, do tính chất bảo mật của các cuộc đàm phán song phương, cách thức hai bên áp dụng phương pháp đường trung tuyến để giải quyết tranh chấp của họ đã không được tiết lộ, nhưng không thể phủ nhận rằng đây là một sự thỏa hiệp mang tính sáng tạo, thể hiện bước tiến pháp lý đáng kể trong khi vẫn tuân thủ các nguyên tắc của Công ước Liên Hiệp Quốc về Luật Biển. RFI : Thỏa thuận về vùng đặc quyền kinh tế là bước tiến quan trọng sau hơn một thập niên đàm phán. Triển vọng của cả hai nước sẽ thế nào, cũng như tương lai về mối quan hệ giữa hai nước với Trung Quốc ? Laurent Gédéon : Như đã nói, Hiệp định về vùng đặc quyền kinh tế giữa Indonesia và Việt Nam là một bước tiến lớn không chỉ trong quan hệ song phương giữa hai nước mà còn cho toàn bộ môi trường khu vực. Hệ quả đầu tiên và rõ ràng nhất là thỏa thuận này sẽ chấm dứt căng thẳng giữa hai nước liên quan đến hoạt động đánh bắt cá của tàu thuyền Việt Nam trong vùng biển vẫn được Indonesia coi là vùng đặc quyền kinh tế của họ. Hệ quả thứ hai liên quan đến các nguồn năng lượng trong khu vực này, đặc biệt là khí đốt tự nhiên, một số mỏ nằm ở phần EEZ của Indonesia giáp với EEZ của Việt Nam. Việc làm rõ ranh giới giữa hai vùng đặc quyền kinh tế sẽ cho phép Indonesia tự do phát triển hoạt động thăm dò và khai thác nguồn tài nguyên này. Hệ quả thứ ba mang tính chất pháp lý bởi vì thỏa thuận Việt Nam-Indonesia mở đường cho các thỏa thuận tương tự có thể có giữa các nước khác trong khu vực, có nghĩa là có thể thấy trong việc áp dụng đường phân định kép (thềm lục địa và vùng đặc quyền kinh tế) một mô hình cho các cuộc đàm phán trong tương lai. Hệ quả cuối cùng ảnh hưởng đến Trung Quốc vì đường ranh giới chung do Việt Nam và Indonesia thiết lập chồng lấn một phần với đường chín đoạn đánh dấu yêu sách chủ quyền của Trung Quốc đối với phần lớn Biển Đông. Đọc thêmViệt Nam kêu gọi ASEAN đoàn kết vào lúc Bắc Kinh lấn lướt ở Biển Đông Tuy nhiên, có một thắc mắc về chính sách của Indonesia liên quan đến Trung Quốc. Nhân chuyến thăm Bắc Kinh ngày 09/11/2024 của tổng thống Indonesia Prabowo Subianto, nhiều thỏa thuận đã được ký kết, kể cả hợp tác công nghiệp và khai khoáng, hợp tác thương mại, với tổng giá trị lên tới 10 tỷ đô la. Ngoài ra còn có một thỏa thuận về hợp tác hàng hải, trong đó hai bên cam kết cùng nhau phát triển kinh tế hàng hải ở Biển Đông, bao gồm cả những khu vực có tranh chấp chồng lấn. Tuyên bố chung được đưa ra trong dịp này nêu rõ rằng hai nước đã “đạt được một thỏa thuận quan trọng về phát triển chung ở những khu vực có yêu sách chồng lấn”. Tuy nhiên cho đến nay, tất cả các nước có tranh chấp hàng hải với Bắc Kinh, như Indonesia, Philippines, Việt Nam, Brunei, Malaysia và Đài Loan, đều tránh tham gia vào thỏa thuận phát triển chung với Trung Quốc vì sợ rằng việc đó sẽ bị hiểu là công nhận chính thức các yêu sách của Trung Quốc. Mặc dù Indonesia đã thận trọng khẳng định lại rằng họ không công nhận các yêu sách quá đáng của Trung Quốc đối với Biển Đông, nhưng thỏa thuận giữa Bắc Kinh và Jakarta đã đánh dấu sự phá vỡ lập luận trước đây và cho thấy rõ mâu thuẫn trong lập trường của Indonesia về luật hàng hải quốc tế. Về phần Việt Nam, quốc gia không bị ràng buộc bởi bất kỳ thỏa thuận chung nào với Trung Quốc về các khu vực tranh chấp, vẫn kiên định với lập trường của họ và trong phản đối các yêu sách hàng hải của Trung Quốc. Đối với Hà Nội, thỏa thuận này chắc chắn là một bước đột phá ngoại giao lớn và là tiền lệ pháp lý mà Hà Nội có thể khai thác ở cấp độ ngoại giao. Ngoài ra, thỏa thuận cũng có lợi thế là không đặt Hà Nội vào thế đối đầu trực tiếp với Bắc Kinh trong khi vẫn khẳng định được cam kết của họ đối với luật pháp quốc tế. RFI : Sau thỏa thuận về vùng đặc quyền kinh tế giữa Việt Nam và Indonesia, liệu đã có thể nói đến một liên minh đối trọng Philippines, Indonesia, Việt Nam để đối phó với các yêu sách của Trung Quốc ở Biển Đông không ? Laurent Gédéon : Có, trong bối cảnh Trung Quốc luôn chú ý đến việc không để một mặt trận chống Trung Quốc trỗi dậy giữa các quốc gia ven Biển Đông và rộng hơn là trong ASEAN, thì thỏa thuận Việt Nam-Indonesia mở đường cho sự xuất hiện của các chiến lược tập thể đối phó với những tranh chấp hàng hải ở Biển Đông. Những chiến lược này đáng chú ý - và cũng gây vấn đề cho Trung Quốc - vì chúng được thực hiện theo cách tuân thủ chặt chẽ luật hàng hải quốc tế. Việc này càng giành được sự ủng hộ của cộng đồng quốc tế và củng cố thêm sự cô lập của Trung Quốc đối với các yêu sách chủ quyền tối đa của nước này. Đọc thêmThỏa thuận Việt Nam - Indonesia: Một hướng giải quyết tranh chấp Biển Đông? Cho nên chúng ta có thể thấy những thỏa thuận kiểu này gia tăng trong tương lai, đặc biệt là liên quan đến Việt Nam, Philippines và Malaysia. Đó là một quá trình dài, trước hết đòi hỏi các đối tác tăng cường tin tưởng nhau, và sẽ ngày càng phức tạp hơn vì liên quan đến các vùng biển quanh quần đảo Trường Sa, nơi vẫn được biết đến là trung tâm của các vấn đề địa-chiến lược đặc biệt quan trọng. Ngoài ra, cũng cần lưu ý rằng việc ký kết các hiệp định quốc tế là sự kiện quan trọng nhưng việc thực hiện chúng cũng quan trọng không kém. Và về điểm này, sẽ cần phải phân tích cẩn thận những tác động thực địa của hiệp định Việt Nam-Indonesia để đưa ra kết luận và phát triển các phân tích triển vọng có thể diễn ra. Cho nên, ngoài một liên minh đối trọng giữa Philippines, Việt Nam và Indonesia, chúng ta có thể xem rằng các thỏa thuận kiểu này phù hợp với sự hội tụ lợi ích ngầm hoặc rõ ràng của ba nước vì chúng hạn chế khả năng của Trung Quốc trong việc khẳng định các yêu sách chủ quyền và dẫn đến việc Bắc Kinh ngày càng bị cô lập về pháp lý. Dĩ nhiên Trung Quốc có thể tìm cách đảo ngược để áp đặt quan điểm của họ, nhưng việc đó sẽ làm giảm thêm tính hợp pháp về mặt pháp lý của các hành động, yêu sách của Bắc Kinh. Do đó, thỏa thuận này có thể đóng vai trò là mô hình giải quyết các tranh chấp hàng hải khác ở Đông Nam Á và tạo thành đòn bẩy ngoại giao khôn khéo để thay đổi tình hình trong khu vực. RFI : Việt Nam đã bị Ủy Ban Châu Âu đưa ra “thẻ vàng” về tình trạng đánh bắt cá bất hợp pháp. Thỏa thuận với Indonesia được coi là dấu chấm hết cho tình trạng đánh bắt cá bất hợp pháp trong khu vực. Liệu đây có phải là một kiểu cam kết để cá Việt Nam có thể vào thị trường châu Âu không ? Laurent Gédéon : Vùng đặc quyền kinh tế cho phép một quốc gia tiếp cận độc quyền các nguồn tài nguyên thiên nhiên ở vùng biển và đáy biển của nước đó. Việc phân định rõ ràng không gian này thường giúp tránh được những hiểu lầm và mâu thuẫn trong quản lý nguồn cá nếu các đối tác có thiện chí. Về mặt này, thỏa thuận giữa Việt Nam và Indonesia làm rõ quyền đánh bắt cá của cả hai bên ở Biển Đông và thể hiện sự cải thiện rõ rệt so với giai đoạn trước đây, khi cả hai nước đều có yêu sách riêng, khiến việc xác định tàu cá có vượt qua ranh giới hay không trở nên khó khăn. Do đó, việc làm rõ biên giới sẽ tạo điều kiện thuận lợi cho việc áp dụng các quy định và trừng phạt những người vi phạm, đặc biệt là xung quanh quần đảo Natuna, nơi giàu tài nguyên thiên nhiên. Nhìn chung, kiểu thỏa thuận này có giá trị vì nó tăng cường năng lực hợp tác và quản lý lẫn nhau giữa hai bên. Tình hình này chỉ có thể có lợi cho Việt Nam khi chứng tỏ rằng đất nước đã trưởng thành về năng lực quản lý nguồn lợi thủy sản. Đọc thêmChồng lấn EEZ, nguyên nhân vụ va chạm giữa tàu Việt Nam và Indonesia Không chỉ riêng ở Biển Đông, đánh bắt cá bất hợp pháp, không báo cáo và không theo quy định (IUU) là một vấn đề toàn cầu đe dọa hệ sinh thái đại dương và “đánh bắt cá bền vững”. Đây là lý do tại sao chính quyền Liên Hiệp Châu Âu đã giám sát Việt Nam sau cảnh báo vào năm 2017. Xin nhắc lại, những nước xuất khẩu sang Liên Âu được phân loại và có thể chịu trừng phạt tương ứng với hệ thống mã màu : xanh lá cây, vàng, đỏ, các lệnh trừng phạt có thể lên tới mức dừng hoàn toàn hoạt động thương mại. Do đó, thỏa thuận giữa Việt Nam và Indonesia có thể được coi là một giải pháp đôi bên cùng có lợi vì nó củng cố quan hệ song phương, tránh leo thang giữa ngư dân và cơ quan thực thi pháp luật. Còn đối với Việt Nam, thỏa thuận này cho thấy quốc gia này nghiêm túc thực hiện các cam kết quốc tế và là đối tác đáng tin cậy cho Liên Hiệp Châu Âu. RFI Tiếng Việt xin chân thành cảm ơn nhà nghiên cứu Laurent Gédéon, giảng viên Trường Sư phạm Lyon, Pháp.

    RE vs. TECH
    Emma Ferguson | Why Real Connections Always Win (Even in Loans + Real Estate)

    RE vs. TECH

    Play Episode Listen Later Jun 16, 2025 64:09


    Want to be featured on our show? Schedule your podcast date using the link below:

    Talk of the Toon: Newcastle United Podcast
    Keep, Loan, Sell: NUFC's Big Summer Decisions

    Talk of the Toon: Newcastle United Podcast

    Play Episode Listen Later Jun 16, 2025 67:32


    Follow us on X @TOTTPodcast Hosted on Acast. See acast.com/privacy for more information.

    Home Sweet Home Chicago with David Hochberg
    Lindholm Roofing: Avoiding door knockers and storm chasers after roof damage

    Home Sweet Home Chicago with David Hochberg

    Play Episode Listen Later Jun 15, 2025


    Featured on WGN Radio's Home Sweet Home Chicago on 06/14/25: Lindholm Roofing's Assistant Manager Mike Huston to the rescue! Listen in while Mike talks about hailstorms, the caution that people should have when others knock on their doors after storms, and managing repairs. To learn more about what Lindholm Roofing can do for you, go […]

    Home Sweet Home Chicago with David Hochberg
    Home Sweet Home Chicago (06/14/25): David Hochberg with Mike Epping of Center Guard Plumbing,Sara Andreas of Andreas and Sons, Inc., & Michael Huston of Lindholm Roofing

    Home Sweet Home Chicago with David Hochberg

    Play Episode Listen Later Jun 15, 2025


    We started off this week's show by chatting with Center Guard Plumbing's Mike Epping to highlight how Center Guard Plumbing can help listeners save big on their plumbing needs. Next, Sara Andreas of Robert R. Andreas & Sons, Inc. General Contractors Specializing in Concrete, discusses the benefits of a concrete commercial or industrial parking lot. Then, Lindholm Roofing's Assistant Manager […]

    Home Sweet Home Chicago with David Hochberg
    Andreas & Sons: The benefits of switching to a concrete parking lot

    Home Sweet Home Chicago with David Hochberg

    Play Episode Listen Later Jun 15, 2025


    Featured on WGN Radio's Home Sweet Home Chicago on 06/14/25: Sara Andreas of Robert R. Andreas & Sons, Inc. General Contractors Specializing in Concrete joins the show to answer several WGN Radio listener concrete questions and highlight why you should choose Andreas & Sons when it comes to your concrete needs. Additionally, Sara highlights how […]

    Home Sweet Home Chicago with David Hochberg
    Center Guard Plumbing: Grilling in the winter and new construction gas lines

    Home Sweet Home Chicago with David Hochberg

    Play Episode Listen Later Jun 15, 2025


    Featured on WGN Radio's Home Sweet Home Chicago on 06/14/25: Center Guard Plumbing's Mike Epping joins the show to highlight how Center Guard Plumbing can help listeners save big on their plumbing needs. To learn more about what Center Guard Plumbing can do for you, go to wgnplumber.com or call 847-406-8883.

    That Chelsea Podcast
    Episode 231 “Keep Sell Loan part 2”

    That Chelsea Podcast

    Play Episode Listen Later Jun 13, 2025 83:29


    Nick is joined by Jéssica Frota (@Je_Frota) to play Sporting Director in this Keep Sell Loan episode. After deciding the fate of Chelsea's goalkeepers & defenders in part 1, here we move onto the midfield & forwards. If you missed part 1 check it out here- https://pod.fo/e/2e3441 Until the next episode KTBFFH  Follow us on Twitter/X - https://mobile.twitter.com/thatchelseapod Follow us/me on Bluesky - https://bsky.app/profile/nickwilliams98.bsky.social Follow Jéssica - https://twitter.com/je_frota?s=21&t=g5zPb49WBLToqZiZgpCx-w We're on threads now - https://www.threads.net/@thatchelseapod If you wish to get in contact with us via email - thatchelseapod@gmail.com  Learn more about your ad choices. Visit podcastchoices.com/adchoices

    Gym Secrets Podcast
    Bootstrapped to Millions Without Loans or Investors | Ep 906

    Gym Secrets Podcast

    Play Episode Listen Later Jun 12, 2025 58:30


    In this episode, Alex (@AlexHormozi) sits down with Ahnny Truong, founder of EMME Lash & Beauty, to unpack how she bootstrapped her way to millions, sharing the bold moves, early mistakes, and branding breakthroughs that helped her dominate the lash industry.Welcome to The Game w/Alex Hormozi, hosted by entrepreneur, founder, investor, author, public speaker, and content creator Alex Hormozi. On this podcast, you'll hear how to get more customers, make more profit per customer, how to keep them longer, and the many failures and lessons Alex has learned and will learn on his path from $100M to $1B in net worth.Wanna scale your business? Click here.Follow Alex Hormozi's Socials:LinkedIn | Instagram | Facebook | YouTube | Twitter | AcquisitionMentioned in this episode:Get access to the free $100M Scaling Roadmap at www.acquisition.com/roadmap

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies
    YCBK 543: How The Right College Clubs Can Lead To Career Opportunities

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies

    Play Episode Listen Later Jun 12, 2025 72:27


    In this episode you will hear:   (02:04) Question from a listener:  Number 1 Susan and Mark answer a question from a listener who wants to know what her student can do to prepare for a career in architecture   (19:26) Interview 1-Mark Stucker interviews Jennifer Mandel from Milwaukee Jennifer Mandel from Milwaukee shares her experience of how joining the right clubs can lead to career opportunities. ²  Jen, gives her backstory as a parent of really four business majors, as an educator and as a social worker ²  We introduce our topic for the day, The opportunity clubs present for college students ²  Jen explains all the benefits of college clubs; she talks about her kids experience with clubs and she gives us some tips for what to do to get through the competitive process of joining some of the more selective clubs   (41:51) Interview #2: Mark Stucker and Bob McMahan, President of Kettering University Preview of Part 3 of 5 ²  Bob talks about the unique role they have created for the Chief Student Experience officer, and he explains why they have a Chief Student Experience Officer instead of a Dean of Student Life ²  Bob talks about what they can do and cannot do at Kettering when it comes to sports, clubs, student abroad, etc. ²  Bob talks about the unique program they have with Germany that they have had for 30 years ²  Bob talks about the gender ration at Kettering ²  Bob tells us what percentage of students go to work full-time for the same employer that was their co-op employer ²  Bob talks about the entrepreneurship culture that exists at Kettering ²  Bob explains one reason why there is a gender imbalance at engineering oriented schools ²  Bob talks about the academic profile of the student at Kettering and he looks at what they look for when they are selecting students in admissions ²  Bob highlights one personal quality that is extremely important in the admissions process for Kettering University       Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast.   You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day.   To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses.   Check out our new blog. We write timely and insightful articles on college admissions:   Follow Mark Stucker on Twitter to get breaking college admission news, and updates about the podcast before they go live. You can ask questions on Twitter that he will answer on the podcast. Mark will also share additional hot topics in the news and breaking news on this Twitter feed. Twitter message is also the preferred way to ask questions for our podcast:   https://twitter.com/YCBKpodcast   1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript   We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK.   Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast.   If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful!   If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live.   Check out the college admissions books Mark recommends:   Check out the college websites Mark recommends:   If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link:     If you want a college consultation with Mark or Lisa or Lynda, just text Mark at 404-664-4340 or email Lisa at or Lynda at Lynda@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

    The Art of SBA Lending
    A.I. Disruption: Time to Throw Out The Old Playbook ft. David Tinsley | Ep. 181

    The Art of SBA Lending

    Play Episode Listen Later Jun 12, 2025 45:12


    This week on The Art of SBA Lending, Ray Drew sits down with David Tinsley of Lenders Cooperative to unravel the shifting landscape of SBA lending and the role of technology and LSPs in shaping its future. Recorded live from the MALC conference, they dive into the buzz surrounding the unannounced new SOP and what it means for lenders. From the challenges of scaling an SBA division to the surprising dominance of AI in industry conversations, Ray and David explore how to navigate growth, manage risk, and foster innovation — "throwing the whole playbook out". They also tackle the ongoing debate of in-house operations versus leveraging Lender Service Providers (LSPs).

    Everything is Black and White - a Newcastle United podcast
    Let's Talk About Lewis Miley: The future of Newcastle United midfield must reject any idea of a loan move

    Everything is Black and White - a Newcastle United podcast

    Play Episode Listen Later Jun 12, 2025 42:34


    Remember to sign up for your e-sim from Saily! Get your discounted offer here: ⁠https://saily.com/eibaw⁠ --- Hello! Andrew and John are back for the latest episode of Let's Talk About. This time they are focusing on Lewis Miley - what does the future hold for the 19-year-old? Can he break into Newcastle's first team or does he need a loan spell to boost his development? Learn more about your ad choices. Visit megaphone.fm/adchoices

    Forest Focus
    KEEP, LOAN OR SELL? | RATING THE ENTIRE NOTTINGHAM FOREST SQUAD

    Forest Focus

    Play Episode Listen Later Jun 12, 2025 85:25


    Matt Davies is joined by Greg Mitchell, Mark Sutherns and Mikey Clarke as we go through the entire Nottingham Forest squad and decide who should stay, who should go and who should be loaned out. We'll also discuss an fresh transfer news. #nffc #nottinghamforest

    The Salcedo Storm Podcast
    S11, Ep. 37: Democrat's Illegal Immigration Is KILLING Us!

    The Salcedo Storm Podcast

    Play Episode Listen Later Jun 12, 2025 17:52


    On this Salcedo Storm Podcast:Tim Young is a very talented comedian, pundit, and writer. Tim Young is a Media Fellow for Strategic Communications at The Heritage Foundation.

    Creating Wealth Real Estate Investing with Jason Hartman
    2313: The Future of Real Estate: Exploring Bitcoin Mortgages & Crypto Loans with Milo

    Creating Wealth Real Estate Investing with Jason Hartman

    Play Episode Listen Later Jun 11, 2025 45:57


    Jason discusses the innovation in crypto mortgages and the importance of maintaining an optimistic outlook despite doom and gloom predictions. He encourages listeners to attend the Wednesday masterclasses and reminds them to register for future sessions. Jason emphasizes the value of comparing current situations to historical contexts, highlighting the significant improvements in quality of life over time. Join our Wednesday Masterclass every second Wednesday of every month. Register today at  JasonHartman.com/Wednesday Then, Jason and Josip Rupena of Milo.io discuss the intersection of cryptocurrency and real estate, with Josip explaining the concept of tokenizing real estate and cryptocurrency financing. Josip's company, Milo, offers 100% financing for real estate, including owner-occupied and non-owner-occupied properties. They also provide financing against cryptocurrencies like Bitcoin and Ethereum. Josip mentioned that their customers initially sought financing for home improvements and down payment financing, leading to the expansion of their product offerings. The discussion ended with Jason asking about the terms of the cryptocurrency loans, to which Josip responded by highlighting the three major aspects their crypto mortgage aims to solve. Reach out to Josip via loans@Milo.io https://www.milo.io/ #Milo #BitcoinMortgage #CryptoLoans #RealEstateFinancing #Cryptocurrency #HomeOwnership #DecentralizedFinance #FinTech #MortgageSolutions #CryptoRealEstate Key Takeaways: Jason's editorial 1:31 Ignorance of the Constitution 3:31 Greetings from a very hot Scottsdale, Arizona 5:10 Compared to what? 7:26 Article: World's smallest violin and the amazing times we live in 13:00 Chart: 73% of bonds in the world trading at less than 5% yield If You are looking to invest in NOTES with a yield of up to 12%, call us at (714) 820-4200 extension 2!   Josip Rupena interview 17:03 Interplay between crypto and real estate 20:28 Crypto financing 27:31 Where the rubber meets the road 30:44 "Mark to Market" 32:01 Crypto and real estate 39:22 Very exciting times for Bitcoin 43:38 Milo.io   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com  

    The Business Credit and Financing Show
    Beau Eckstein: Expert Strategies for Acquiring Franchises and Securing Unique SBA Loans

    The Business Credit and Financing Show

    Play Episode Listen Later Jun 11, 2025 34:49 Transcription Available


    Beau Eckstein: Franchise & SBA Loan Expert, Business Ownership Coach, and Investor. With over 26 years of experience in lending, franchising, and business acquisition, Beau Eckstein is a trusted authority in business ownership. He has helped thousands of entrepreneurs secure funding, navigate SBA loans, and find the right franchise or business to own. Through his extensive network and expertise, Beau guides clients through the financing process and connects them with the best opportunities. As the host of The Investor Financing Podcast, Beau has created content that has generated millions in funded deals, helping entrepreneurs transition from employees to successful business owners. He advocates for leveraging virtual assistants and AI to streamline operations and increase profitability, empowering businesses to scale effectively. In addition to being a licensed California real estate broker, Beau offers actionable insights through his platform, businessownershipcoach.com, where he helps individuals explore franchising or elevate their existing business ventures. Beau's passion lies in helping people break free from the corporate grind, build wealth, and create lasting legacies.   During the show we discussed: Who franchising is ideal for How to secure financing to purchase a franchise How to buy franchises with 10% or less down payment How to obtain SBA financing to purchase a franchise How to use SBA financing to build or acquire a new business How to qualify for SBA financing Why SBA loans under $500K don't require additional collateral How to use SBA financing to start a new business based on projections What a seller carry on full standby is and how it helps reduce your cash down How to use creative financing to meet SBA loan down payment requirements   Resources: businessownershipcoach.com beaueckstein.com Bookwithbeau.com  

    He Said She Said the Money Guide Podcast
    Tacos, Tacos, Tacos Here… (Episode 273)

    He Said She Said the Money Guide Podcast

    Play Episode Listen Later Jun 11, 2025 31:00


    The trade of the year so far. Bromance ends bitterly, savings are close to target, and loan limits could cause a shortage of doctors. Plus the rise of Buy Now/Pay Later and the 401(k) hierarchy trap.

    The Infatu Asian Podcast
    Ep 177 You Might Have Asian Parents If... with the Blackboard 4

    The Infatu Asian Podcast

    Play Episode Listen Later Jun 11, 2025 65:57


    Here's an episode with the Blackboard 4 (Jackie, Vicky, Loan, and me) where we talk about having Asian parents and being Asian parents. Hopefully, you can relate and join in the laughter. *Light trigger warning* We talk about old-fashioned Asian discipline.  Thanks to The Blackboard 4 for helping me all school year long. We'll be back after summer break to break down more topics. New Jersey (and anyone else)- check the link in my Instagram bio to request a free InfatuAsian sticker!  Or click here Sticker Request Form Write to us at: ⁠infatuasianpodcast@gmail.com⁠, and please follow us on Instagram and Facebook @infatuasianpodcast Our Theme: “Super Happy J-Pop Fun-Time” by Prismic Studios was arranged and performed by All Arms Around  Cover Art and Logo designed by Justin Chuan @w.a.h.w (We Are Half the World) #asianparents #asianpodcast #asian #asianamerican #infatuasian #infatuasianpodcast #aapi #veryasian  #asianamericanpodcaster #representationmatters

    Attacking Third: A CBS Sports Soccer Podcast
    NWSL Intra-League Loans introduced | TST Recap | A3 Mailbag (Soccer 06/10)

    Attacking Third: A CBS Sports Soccer Podcast

    Play Episode Listen Later Jun 10, 2025 61:34


    Lisa Carlin, Sandra Herrera, and Aaron West recap TST as two members of Attacking Third faced off in the final. Then, the group explain both Intra-League Loans in the NWSL and the Building Assets that expansion sides Boston and Denver will receive for their inaugural season in 2026. And finally, the A3 Mailbag is opened once again to answer your questions. Watch USWNT and NWSL games on P+" with a link to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.paramountplus.com/home/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Attacking Third is available for free on the Audacy app as well as Apple Podcasts, Spotify, Google Podcasts, Stitcher and wherever else you listen to podcasts.  Follow the Attacking Third team on Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AttackingThird⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@LisaCarlin32⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@SandHerrera_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@Darian_Jenks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@CCupo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Visit the Attacking Third YouTube channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/attackingthird⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ You can listen to Attacking Third on your smart speakers! Simply say "Alexa, play the latest episode of the Attacking Third podcast" or "Hey Google, play the latest episode of the Attacking Third podcast." To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

    Thoughts on the Market
    U.S. Financials Conference: Three Key Themes to Watch

    Thoughts on the Market

    Play Episode Listen Later Jun 9, 2025 10:09


    Our analysts Betsy Graseck, Manan Gosalia and Ryan Kenny discuss the major discussions they expect to highlight Morgan Stanley's upcoming U.S. Financials conference.Read more insights from Morgan Stanley.----- Transcript -----Betsy Graseck: Welcome to Thoughts on the Market. I'm Betsy Graseck, Morgan Stanley's U.S. Large Cap Bank Analyst and Morgan Stanley's Global Head of Banks and Diversified Finance Research. Today we take a look at the key debates in the U.S. financials industry. It's Monday, June 9th at 10:30am in New York.Tomorrow Morgan Stanley kicks off its annual U.S. Financials Conference right here in New York City. We wanted to give you a glimpse into some of the most significant themes that we expect will be addressed at the conference. And so, I'm here with two of my colleagues, Manan Gosalia, U.S. Midcap Banks Analyst, and Ryan Kenny, U.S. Midcaps Advisor Analyst.Investors are grappling with navigating economic uncertainty from new tariff policies, inflation concerns, and immigration challenges – all of which impacts financial growth and credit quality. On the positive side, they are also looking closely at regulatory shifts under the Trump administration, which could ease banking rules for the first time since the Great Financial Crisis.Let's hear what our experts are expecting. Manan, ahead of the conference, what key themes do you expect mid-cap banks will highlight?Manan Gosalia: So, there are three key themes that we've been focused on for the mid-cap banks: loan growth, net interest margins, and capital. So, first on loan growth. Loan growth for the regional banks has been fairly tepid at about 2 to 3 percent year-on-year, and the tone from bank management teams has been fairly mixed in the April earning season that followed the tariff announcements on April 2nd. Some banks were starting to see the uncertainty weigh on corporate decision making and borrowing activity, while others were only seeing a slow down in some parts of their portfolio, with a pickup in other parts. Now that we've had two months to digest the announcements and several more positive developments on tariff negotiations, we expect that the tone from bank management teams will be more positive. Now, we don't expect them to say growth is accelerating, but we do expect that they will say loan growth is holding up with strong pipelines. On the second topic, net interest margins, we expect to hear that there is still room for margin expansion as we go through this year. And that's coming in two places, particularly as bank term deposits continue to reprice lower. And then the back book of fixed rate loans and securities, essentially assets that were put on the books four to five years ago when rates were a lot lower, are now rolling over at today's higher rates. Betsy Graseck: So, is the long end of the curve going up a good thing?Manan Gosalia: Yes, for net interest margins. But on the flip side, the tenure going up is slightly negative for bank capital. So that brings me to my third theme. The regional banks are overall in a much better place on capital than they were two years ago. Balance sheets have improved. Capital levels remain solid across the sector. But the recent increase in the long end of the curve is marginally negative for capital, given that there will be a higher negative mark on securities that banks hold. But we believe that higher capital levels that regional banks have accumulated over the past couple of years will help cushion some of these negative marks, and we don't expect the recent shift in the tenure will have a meaningful impact on bank capital plans.Betsy Graseck: So, the increase in the 10-year pulls down capital a little bit, but not enough to trip any regulatory minimums?Manan Gosalia: Correct.Betsy Graseck: So, all in the 10-year yield going up is a good thing?Manan Gosalia: It's slightly negative, but I would expect it does not impact bank growth plans. Betsy Graseck: Okay. All in, what's the message from mid-cap banks?Manan Gosalia: All in, I would expect the tone to be a little more positive than the banks had at April earnings.Betsy Graseck: Excellent. Thanks so much, Manan. Ryan, what about you? What are you expecting mid-cap advisors will say?Ryan Kenny: So, I think we'll hear a lot about the trends in M&A. And when we last heard from investment bank management teams during April earnings, the messaging was more cautious. We heard about M&A deals being paused as companies processed the Liberation Day tariffs, and a small number of deals being pulled. Tomorrow at our conference, expect to hear a measured but slightly improved tone. Look, there's still a lot of uncertainty out there, but what's changed since April is the fact that the U.S. administration is flexing in response to markets. So that should help shore up more confidence needed to do deals, and there's tremendous pent-up demand for corporate activity. Over the last three years – so 2022 to 2024 – M&A volumes relative to nominal GDP have been running 30 to 40 percent below three-decade averages. Equity capital markets volumes 50 to 60 percent below average. There is tremendous need for private equity firms to exit their portfolio investments and deploy $4 trillion of dry powder that has accumulated and also structural themes for corporates – like the need for AI capabilities, energy and biotech consolidation and reshoring – that should fuel mergers as a cycle gets going.So, I think for this group, the message will likely be: April and May – more challenged from a deal flow perspective; but back up of the year, you should start to expect some improvement.Betsy Graseck: So slightly improved tone…Ryan Kenny: Slightly improved. And one of the other really interesting themes that the investment banks will talk about is the substantial growth of private capital advisory.So, this is advising private equity funds and owners on capital raising, liquidation, including secondary transactions and continuation funds. And what will be interesting is how the clients set here is growing. We've seen this quarter, major universities, some local governments that increasingly need liquidity and they're hiring investment banks to advise on selling private equity fund interests.It's really going to be a great discussion because private capital advisory is a major growth area for the boutique investment banks that I cover.Betsy Graseck: How big of a sleeve do you think this could become – as big as M&A outright?Ryan Kenny: Probably not as big as M&A outright, but significant. And it helps give the investment banks' relationships with financial sponsors who are active on the M&A front. So, it can be a share gain story.So, Betsy, what about you? You cover the large cap banks. What do you expect to hear?Betsy Graseck: Well, before I answer that, I do want to just put a pin on it.So, you're saying that for your coverage Ryan, we have some green shoots coming through...Ryan Kenny: Yeah, green shoots and more positive than in April.Betsy Graseck: And Manan on your side? Same?Manan Gosalia: A little bit more of a positive than April earnings, but more of the same as we heard at the start of the year.Betsy Graseck: Okay. Going back to the future then, I suppose we could say. Excellent. Well on large cap banks, I do expect large cap banks will be reflecting some of the same themes that you both just discussed. In particular, you know, we'll talk about IPOs. IPOs are holding up. We look at IPOs where we had 26 IPOs in the past week alone.That's up from 22 on average year-to-date in 2025. And I do think that the large cap banks will highlight that capital market activity is building and can accelerate from here, as long as equity volatility remains contained. By which we mean VIX is at 20 or below. And with capital market activity should come increased lending activity. It's very exciting. What's going on here is that when you do an M&A, you have to finance it, and that financing comes from either the bond market or banks or private credit. M&A financing is a key driver of CNI loan growth. A lot of people don't know that. And CNI loan growth, we do think will be moving from current levels of about 2 percent year-on-year, as per the most recent Fed H.8 data to 5 percent as M&A comes through over the next year plus. And then the other major driver of CNI loans is loans to non-depository financial institutions, which is also known as NDFI Loans. NDFI loans have been getting a lot of press recently. We see this as much ado about reclassification. That said, investors are asking what is the risk of this book of business? Our view is that it's similar to overall CNI loan risk, and we will dig into that outlook with managements at the conference. It'll be exciting. Additionally, we will touch on regulation and how easing of regulation could change strategies for capital utilization and capital deployment. So, you want to have an ear out for that. Well, Manan, Ryan, it's been great speaking with you today.Manan Gosalia: Should be an exciting conference.Ryan Kenny: Thanks for having us on.Betsy Graseck: And thanks for listening everyone. 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.

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies
    YCBK 542: Some Tips For HS Grads to Successfully Transition to College-Part 1

    Your College Bound Kid | Scholarships, Admission, & Financial Aid Strategies

    Play Episode Listen Later Jun 9, 2025 68:20


    In this episode you will hear:   Mark answers a question from a student from Texas and she wants to know why I have soured on BS/MD programs.     Lynda interviews J Hall, a college Dean in Oklahoma City and the author of the book, “College Unpacked” Preview v  J gives his backstory and like me, he came to college related advising from Christian ministry v  J explains why he wrote the book, “College Unpacked and he explains what the heartbeat of the book” v  J tells us what the biggest things are that rising college students need to do over the summer before they enroll in college v  J talks about some basic skills he has seen that college students lacks and he focuses on two very important skills v  J shares something he wants students to do when they ae hanging out with their friends, and it may surprise you what he says v  Lynda and j talk about the importance of the syllabus v  J gives advice for parents on “Moving Day, what can parents do v  J shares a great idea a student can set up with their parents to let parents know when it is time for you to go   Speakpipe.com/YCBK is our method if you want to ask a question and we will be prioritizing all questions sent in via Speakpipe. Unfortunately, we will NOT answer questions on the podcast anymore that are emailed in. If you want us to answer a question on the podcast, please use speakpipe.com/YCBK. We feel hearing from our listeners in their own voices adds to the community feel of our podcast.   You can also use this for many other purposes: 1) Send us constructive criticism about how we can improve our podcast 2) Share an encouraging word about something you like about an episode or the podcast in general 3) Share a topic or an article you would like us to address 4) Share a speaker you want us to interview 5) Leave positive feedback for one of our interviewees. We will send your verbal feedback directly to them and I can almost assure you, your positive feedback will make their day.   To sign up to receive Your College-Bound Kid PLUS, our new monthly admissions newsletter, delivered directly to your email once a month, just go to yourcollegeboundkid.com, and you will see the sign-up popup. We will include many of the hot topics being discussed on college campuses.   Check out our new blog. We write timely and insightful articles on college admissions:   On X for our podcast:   https://twitter.com/YCBKpodcast   1. To access our transcripts, click: https://yourcollegeboundkid.com/category/transcripts/ 2. Find the specific episode transcripts for the one you want to search and click the link 3. Find the magnifying glass icon in blue (search feature) and click it 4. Enter whatever word you want to search. I.e. Loans 5. Every word in that episode when the words loans are used, will be highlighted in yellow with a timestamps 6. Click the word highlighted in yellow and the player will play the episode from that starting point 7. You can also download the entire podcast as a transcript   We would be honored if you will pass this podcast episode on to others who you feel will benefit from the content in YCBK.   Please subscribe to our podcast. It really helps us move up in Apple's search feature so others can find our podcast.   If you enjoy our podcast, would you please do us a favor and share our podcast both verbally and on social media? We would be most grateful!   If you want to help more people find Your College-Bound Kid, please make sure you follow our podcast. You will also get instant notifications as soon as each episode goes live.   Check out the college admissions books Mark recommends:   Check out the college websites Mark recommends:   If you want to have some input about what you like and what you recommend, we change about our podcast, please complete our Podcast survey; here is the link:     If you want a college consultation with Mark or Lisa or Lynda, just text Mark at 404-664-4340 or email Lisa at or Lynda at Lynda@schoolmatch4u.com. All we ask is that you review their services and pricing on their website before the complimentary session; here is link to their services with transparent pricing: https://schoolmatch4u.com/services/compare-packages/

    Africa Today
    Uganda: World Bank lifts loan ban

    Africa Today

    Play Episode Listen Later Jun 9, 2025 27:35


    In 2023, Uganda voted in some of the world's harshest anti-homosexual legislation meaning that anybody engaging in certain same-sex acts can be sentenced to death. The World Bank decided to ban Uganda from receiving loans because of its legislation. The bank now says it's confident that new "mitigation measures" will allow it to roll out funding in such a way that does not harm or discriminate against LGBTQ+ community. We hear analysis.Also, why increasing numbers of people in Togo are thinking about leaving ECOWASAnd why is Nigeria importing cows from Denmark?Presenter: Audrey Brown Producers: Yvette Twagiramariya and Bella Hassan in London. Charles Gitonga in Nairobi and Blessing Aderogba in Lagos. Technical Producer: Kane Masaba-Morgan Senior Journalist: Karnie Sharp Editors: Andre Lombard and Alice Muthengi