Podcast appearances and mentions of Mark Schmidt

Our Co-Head of Securitized Products Research James Egan joins our Chief Economic Strategist Ellen Zentner to discuss the recent challenges facing the U.S. housing market, and the path forward for home buyers and investors. Read more insights from Morgan Stanley.----- Transcript ----- James Egan: Welcome to Thoughts on the Market. I'm James Egan, U.S. Housing Strategist and Co-Head of Securitized Products Research for Morgan Stanley. Ellen Zentner: And I'm Ellen Zentner, Chief Economic Strategist and Global Head of Thematic and Macro Investing at Morgan Stanley Wealth Management. James Egan: And today we dive into a topic that touches nearly every American household, quite literally. The future of the U.S. housing market. It's Thursday, September 25th at 10am in New York. So, Ellen, this conversation couldn't be timelier. Last week, the Fed cut interest rates by 25 basis points, and our chief U.S. Economist, Mike Gapen expects three more consecutive 25 basis point cuts through January of next year. And that's going to be followed by two more 25 basis point cuts in April and July. But mortgage rates, they're not tied to fed funds. So even if we do get 6.25 bps cuts by the end of 2026, that in and of itself we don't think is going to be sufficient to bring down mortgage rates, though other factors could get us there.Taking all that into account, the U.S. housing market appears to be a little stuck. The big question on investors' minds is – what's next for housing and what does that mean for the broader economy? Ellen Zentner: Well, I don't like the word stuck. There's no churn in the housing market. We want to see things moving and shaking. We want to see sellers out there. We want to see buyers out there. And we've got a lot of buyers – or would be buyers, right? But not a lot of sellers. And, you know, the economy does well when things are moving and shaking because there's a lot of home related spending that goes on when we're selling and buying homes. And so that helps boost consumer spending. Housing is also a really interest rate sensitive sector, so you know, I like to say as goes housing, so goes the business cycle. And so, you don't want to think that housing is sort of on the downhill slide or heading toward a downturn [be]cause it would mean that the entire economy is headed toward a downturn. So, we want to see housing improve here. We want to see it thaw out. I don't like, again, the word stuck, you know. I want to see some more churn. James Egan: As do we, and one of the reasons that I wanted to talk to you today is that you are observing all of these pressures on the U.S. housing market from your perspective in wealth management. And that means your job is to advise retail clients who sometimes can have a longer investment time horizon. So, Ellen, when you look at the next decade, how do you estimate the need for new housing units in the United States and what happens if we fall short of these estimated targets? Ellen Zentner: Yeah, so we always like to say demographics makes the world go round and especially it makes the housing market go round. And we know that if you just look at demographic drivers in the U.S. Of those young millennials and Gen Z that are aging into their first time home buying years – whether they're able to immediately or at some point purchase a home – they will want to buy homes. And if they can't afford the homes, then they will want to maybe rent those single-family homes. But either way, if you're just looking at the sheer need for housing in any way, shape, or form that it comes, we're going to need about 18 million units to meet all of that demand through 2030. And so, when I'm talking with our clients on the wealth management side, it's – Okay, short term here or over the next couple of years, there is a housing cycle. And affordability is creating pressures there. But if we look out beyond that, there are opportunities because of the demographic drivers – single family rentals, multi-family. We think modular housing can be something big here, as well. All of those solutions that can help everyone get into a home that wants to be. James Egan: Now, you hit on something there that I think is really important, kind of the implications of affordability challenges. One of the things that we've been seeing is it's been driving a shift toward rentership over ownership. How does that specific trend affect economic multipliers and long-term wealth creation? Ellen Zentner: In terms of whether you're going to buy a single-family home or you're going to rent a single-family home, it tends to be more square footage and there's more spending that goes on with it. But, of course, then relatively speaking, if you're buying that single family home versus renting, you're also going to probably spend a lot more time and care on that home while you're there, which means more money into the economy. In terms of wealth creation, we'd love to get the single-family home ownership rate as high as possible. It's the key way that households build intergenerational wealth. And the average American, or the average household has four times the wealth in their home than they do in the stock market. And so that's why it's very important that we've always created wealth that way through housing; and we want people to own, and they want to own. And that's good news. James Egan: These affordability challenges. Another thing that you've been highlighting is that they've led to an internal migration trend. People moving from high cost to lower cost metro areas. How is this playing out and what are the economic consequences of this migration? Ellen Zentner: Well, I think, first of all, I think to the wonderful work that Mark Schmidt does on the Munis team at MS and Co. It matters a great deal, ownership rates in various regions because it can tell you something about the health of the metropolitan area where they are. Buying those homes and paying those property taxes. It can create imbalances across the U.S. where you've got excess supply maybe in some areas, but very tight housing supply in others. And eventually to balance that out, you might even have some people that, say, post-COVID or during COVID moved to some parts of the country that have now become very expensive. And so, they leave those places and then go back to either try another locale or back to the locale they had moved from. So, understanding those flows within the U.S. can help communities understand the needs of their community, the costs associated with filling those needs, and also associated revenues that might be coming in. So, Jim, I mentioned a couple of times here about single family renting, and so from your perch, given that growing number of single-family rentals, how is that going to influence housing strategy and pricing? James Egan: It is certainly another piece of the puzzle when we look at like single family home ownership, multi-unit rentership, multi-unit home ownership, and then single family rentership. Over the past 15 years, this has been the fastest growing way in which kind of U.S. households exist. And when we take a step back looking at the housing market more holistically – something you hit on earlier – supply has been low, and that's played a key role in keeping prices high and affordability under pressure. On top of that, credit availability has been constrained. It's one of the pillars that we use when evaluating home prices and housing activity that we do think gets overlooked. And so even if you can find a home to buy in these tight inventory environments, it's pretty difficult to qualify for a mortgage. Those lending standards have been tight, that's pushed the home ownership rate down to 65 percent. Now, it was a little bit lower than this, after the Great Financial Crisis, but prior to that point, this is the lowest that home ownership rates have been since 1995. And so, we do think that single family rentership, it becomes another outlet and will continue to be an important pillar for the U.S. housing market on a go forward basis. So, the economic implications of that, that you highlighted earlier, we think that's going to continue to be something that we're living with – pun only half intended – in the U.S. housing market. Ellen Zentner: Only half intended. But let me take you back to something that you said at the beginning of the podcast. And you talked about Gapen's expectation for rate cuts and that that's going to bring fed funds rate down. Those are interest rates, though that don't impact mortgage rates. So how do mortgage rates price? And then, how do you see those persistently higher mortgage rates continuing to weigh on affordability. Or, I guess, really, what we all want to know is – when are mortgage rates going to get to a point where housing does become affordable again? James Egan: In our prior podcast, my Co-Head of Securitized Products Research, Jay Bacow and myself talked about how cutting fed funds wasn't necessarily sufficient to bring down mortgage rates. But the other piece of this is going to be how much lower do mortgage rates need to go? And one of the things we highlighted there, a data point that we do think is important. Mortgage rates have come down recently, right? Like we're at our lowest point of the year, but the effective rate on the outstanding market is still below 4.25 percent. Mortgage rates are still above 6.25 percent, so the market's 200 basis points out of the money. One of the things that we've been trying to do, looking at changes to affordability historically. What we think you really need to see a sustainable growth in housing activity is about a 10 percent improvement in affordability. How do we get there? It's about a 5.5 percent mortgage rate as opposed to the 6 1/8th to 6.25 where we were when we walked into this recording studio today. We think there will be a little bit response to the move in mortgage rates we've already seen. Again, it's the lowest that rates have been this year, and there have been some… Ellen Zentner: Are those fence sitters; what we call fence sitters? People that say, ‘Oh gosh, it's coming down. Let me go ahead and jump in here.' James Egan: Absolutely. We'll see some of that. And then from just other parts of the housing infrastructure, we'll see refinance rates pick up, right? Like there are borrowers who've seen originations over the course of the past couple years whose rates are higher than this. Morgan Stanley actually publishes a truly refinanceable index that measures what percentage of the housing market has at least a 25 basis point incentive to refinance. Housing market holistically after this move? 17 percent? Mortgages originated in the last two years, 61 percent of them have that incentive. So, I think you'll see a little bit more purchase activity. Again, we need to get to 5.5 percent for us to believe that will be sustainable. But you'll also see some refinance activity as well, right? Ellen Zentner: Right, it doesn't mean you get absolutely nothing and then all of a sudden the spigot opens when you get to 5.5 percent. Anecdotal evidence, I have a 2.7 percent 30-year mortgage and I've told my husband, I'm going to die in this apartment. I'm not moving anywhere. So, I'm part of the problem, Jim. James Egan: Well, congratulations to you on the mortgage… Ellen Zentner: Thank you. I wasn't trying to brag, But yes, it feels like, you know, your point on perspective folks that are younger buyers, you know, are looking at the prevailing mortgage rate right now and saying, ‘My gosh, that's really high.' But some of us that have been around for a lot longer are saying, ‘Really, this is fine.' But it's all relative speaking. James Egan: When you have over 60 percent of the mortgage market that has a rate below 4.5 percent, below 4 percent, yes, on a long-term basis, mortgage rates don't look particularly high. They're very high relative to the past 15 years, and to your point on a 2.7 percent mortgage rate, there's no incentive for you... Or there's limited incentive for you to sell that home, pay off that 2.7 percent mortgage rate, buy a new home at higher prices, at a much higher mortgage rate. That has – I know you don't like the word stuck – but it has been what's gotten this housing market kind of mired in its current situation. Price is very protective. Activity pretty low. Ellen Zentner: Jim, we've been talking about all the affordability issues and so let's set mortgage rates aside and talk about policy proposals. Are there specific policies that could also help on the affordability front? James Egan: So, there's a number of things that we get questions about on a pretty regular basis. Things like GSE reform, first time home buyer tax credits, things that could potentially spur supply. And look, the devil is in the details here. My colleague, Jay Bacow, has done a lot of work on GSE reform and what we're really focusing on there is the nature of the guarantee as well as the future of regulation and capital charges. For instance, U.S. banks own approximately one-third of the agency mortgage-backed securities market. Any changes to regulatory capital as a result of GSE reform, that could have implications for their demand, and that's going to have implications on mortgage rates, right? First time home buyer tax credits. We have seen those before – the spring of 2008 to 2010, and if we use that as a case study, we did see a temporary rise in home sales and a pause in the pace with which home prices were falling. But the effects there were temporary. Sales and prices wouldn't hit their post housing crisis lows until after those programs expired. Ellen Zentner: Right. So, you were incentivized to buy the house. You get the credit; you buy the house. But then unbeknownst to any economist out there, housing valuations continued to fall. James Egan: You could argue that it maybe pulled some demand forward. And so, you saw a lot of it concentrated and then the absence of that demand afterwards. And then on the supply side, there are a number of different programs we have touched on, some of them in these podcasts in the past. And then some of those questions become what needs to go through Congress, what is more kind of local municipality versus federal government. But look, the devil's in the details. It's an incredibly interesting housing market. Probably one that's going to be the source of many podcasts to come. So, Ellen, given all these challenges facing the U.S. housing market. Where do you see the biggest opportunities for retail investors? Ellen Zentner: So, in our recent note Housing in the Next Decade, we took a look at single family renting; you and I have talked about how that's likely to still be in favor for some time. REITs with exposure to select U.S. rental markets; what about senior housing? That is something that you've done deep research on, as well. Senior and affordable housing providers, home construction and materials companies. What about building more sustainable homes with a good deal of the climate change that we're seeing. And financial technology firms that offer flexible financing solutions. So, these are some of the things that we think could be in play as we think about housing over the long term. James Egan: Ellen, thank you for all your insights. It's been a pleasure to have you on the podcast. And I guess there's a key takeaway for investors here. Housing isn't just about where we live, it's about where the economy is headed. Ellen Zentner: Exactly. Always a pleasure to be on the show. Thanks, Jim. James Egan: And thanks 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.

The best interviews this week from The Jeremy & Joe Show, The Extra Point Show, Schopp & the Bulldog, One Bills Live, and Sabres Live. Hear from Greg Cosell, Sal Capaccio, Don Stevens, and Mark Schmidt.

The best interviews this week from The Jeremy & Joe Show, The Extra Point Show, Schopp & the Bulldog, One Bills Live, and Sabres Live. Hear from Greg Cosell, Sal Capaccio, Don Stevens, and Mark Schmidt.

The best interviews this week from The Jeremy & Joe Show, The Extra Point Show, Schopp & the Bulldog, One Bills Live, and Sabres Live. Hear from Greg Cosell, Sal Capaccio, Don Stevens, and Mark Schmidt.

The best interviews this week from The Jeremy & Joe Show, The Extra Point Show, Schopp & the Bulldog, One Bills Live, and Sabres Live. Hear from Greg Cosell, Sal Capaccio, Don Stevens, and Mark Schmidt.

The best interviews this week from The Jeremy & Joe Show, The Extra Point Show, Schopp & the Bulldog, One Bills Live, and Sabres Live. Hear from Greg Cosell, Sal Capaccio, Don Stevens, and Mark Schmidt.

11:30am Hour 2 - Sal Capaccio talks with Bonnies basketball head coach Mark Schmidt about the annual coaches vs cancer fundraiser and also about the upcoming season of St. Bonaventure basketball.

11am-12pm Hour 2 - Sal Capaccio talks with Matt Parrino about his thoughts on the Bills bad loss in Chicago and how the team's backup players can learn from a bad loss. Also, Bonnies basketball head coach Mark Schmidt joins the show to talk about the annual coaches vs cancer fundraiser and also about the upcoming season of St. Bonaventure basketball.

10am-12pm FULL SHOW - Sal Capaccio talks about the Bills loss to the Chicago Bears and talks about the importance of a big preseason loss and what it means for the Bills secondary. He also talks about the Bills safeties and where they could improve at the position and what players need to step up. Matt Parrino joins the show to talk about his thoughts on the Bills bad loss in Chicago and how the team's backup players can learn from a bad loss. Also, Bonnies basketball head coach Mark Schmidt joins the show to talk about the annual coaches vs cancer fundraiser and also about the upcoming season of St. Bonaventure basketball.

This episode of KM0 tackles Dave Brailsford's return to Ineos Grenadiers and the Tour de France, the scene of his greatest sporting triumphs. Between 2012 and 2019, Team Sky and then Ineos Grenadiers won seven out of eight editions of the Tour. However, there had been controversies along the way – therapeutic use exemptions to permit their key riders to take otherwise prohibited medication, therefore pushing right up to the line in terms of what is allowed by the rules. The jiffy bag incident. Letting riders and staff members go in the wake of the 2012 reasoned decision by the United States Anti-Doping Agency into Lance Armstrong's doping, and their team doctor through the glory years, Richard Freeman, getting struck off by the general medical council for his conduct while working in cycling. After a spell at Ineos Sport, overseeing Jim Ratcliffe's sporting empire, and an unsuccessful period with Manchester United football club, Brailsford returned to the cycling team on the eve of the Tour de France with all the enthusiasm of a kid in a sweet shop, according to team CEO John Allert. But since the start in Lille, allegations from Team Sky's past have stalked Brailsford. It concerns their head carer, a Slovenian called David Rozman, who had been involved in the Operation Aderlass doping investigation relating to alleged text messages between him and Dr Mark Schmidt, subsequently jailed for doping offences, shortly before the 2012 Tour. Brailsford and the team initially said they would not be commenting on the allegations but today (Thursday) they confirmed Rozman had been contacted by the International Testing Agency regarding the alleged texts, initially informally. Lionel Birnie delves into the background, examines Brailsford's comeback and talks to David Walsh about why he has more questions to answer about what went on in 2012.

Another bumper episode! So we kick off with Jon and Fintan talking about stuff and things [0:00 – 16:48], followed by the last of the interviews from Jon's recent trip to EveryMatrix towers and a chat with Friend of the Podcast Mark Schmidt [16:49 – 37:35]. And that thing about the Eye of Sauron? Obviously it's a joke…Our headline act though is (are?) Lorraine Perrons and Claire Jones, co-founders of Gambling Recovery Therapy and Gambling Recovery for All CIC. They discuss their personal journeys that led them to create a unique approach to gambling recovery, emphasising holistic healing and individualised support. We explore the challenges faced in the gambling recovery landscape, the importance of funding and accessibility, and the need for collaboration within the community to effectively support those affected by gambling addiction. Lorraine and Claire discuss the challenges and strategies in the field of gambling recovery therapy, the importance of making their voices heard, the need for better funding, and the systemic issues surrounding gambling addiction. The conversation also touches on the necessity for transparency in financial systems and the importance of education in mental health awareness [37:36 – 1:21:57]. Choice quotes: "I was married to a gambling addict""We want people to uncover who they are""How do you make your voices heard?""The messaging is fucked up.""It's the transparency that matters."Gambling Recovery Therapy on LinkedIn: https://www.linkedin.com/in/gamblingrecoverytherapy/Mark Schmidt on LinkedIn: https://www.linkedin.com/in/mark-schmidt-aa27398b/As ever, we thank all of our sponsors for their support. In no particular order they are: Optimove, who turn customer data into something special, with tools that make businesses work better. Optimove, your support helps us make things that take away the pain. Or create it, I forget which. Oh, and tell them you came via us and you get your first month free!Then of course there is the mighty OddsMatrix Sports Betting Software Solutions – the industry go-to for sportsbook platforms and data feeds. EveryMatrix's coverage is so damn good, they're gaining tier-1 operators all the time. The proof really is in the pudding, and OddsMatrix is sweet. Clarion Gaming are last but certainly not least, providers of the magnificent ICE expo and the upcoming iGB Live! in London this July. We love you guys, all of you! The Gambling Files podcast delves into the business side of the betting world. Each week, join Jon Bruford and Fintan Costello as they discuss current hot topics with world-leading gambling experts.Website: https://www.thegamblingfiles.com/Subscribe on Apple Podcasts: https://apple.co/3A57jkRSubscribe on Spotify: https://spoti.fi/4cs6ReF Subscribe on YouTube:

Love to hear from you; “Send us a Text Message”Something is stirring among young people today. They feel a growing unease—a sense they've been deceived but can't quite articulate what's wrong. This profound conversation with Mark Schmitt uncovers the root of our cultural malaise and offers a path toward authentic freedom.We explore what happens when desires created good become twisted and distorted. Mark shares his personal journey from repression... to indulgence... to eventual freedom. Highlighting the moment everything changed for him he said: "If God is love, and love is self-giving, then the opposite isn't hatred—it's selfishness." This realization transformed his understanding of happiness and purpose.Here are three thought-provoking questions to discuss:How can the distortion of our natural desires lead to cultural and personal confusion, and what does it mean to “untwist” those desires in pursuit of authentic freedom?Mark Schmidt suggests that the opposite of love is not hatred but selfishness—how does this insight reshape our understanding of sin, especially in the context of modern struggles like pornography and indulgence?What role does radical trust and community play in healing from cultural malaise and reclaiming a sense of purpose, according to the vision laid out by John Paul II and St. Thérèse?Contact Jack: info@jp2renew.orgFollow Tom Hampson on SubstackFollow us and watch on X: John Paul II Renewal @JP2RenewalSubscribe to our Newly Resurrected YouTube Channel!On Rumble: JohnPaulIIRCIf you're interested in being a sponsor of the Become Who You Are Podcast, please email us at Info@JP2Renew.org Jack Latest Blog: Living on the Surface, Never Going Deep: Jenny, Jesus, Carl Jung and Bill WSupport the show

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. Market values can change daily due to economic and other events (e.g., natural disasters, health crises, terrorism, conflicts, and social unrest) that affect markets, countries, companies or governments. It is difficult to predict the timing, duration, and potential adverse effects (e.g., portfolio liquidity) of events. Accordingly, you can lose money investing in a portfolio. Fixed-income securities are subject to the ability of an issuer to make timely principal and interest payments (credit risk), changes in interest rates (interest rate risk), the creditworthiness of the issuer and general market liquidity (market risk). In a rising interest-rate environment, bond prices may fall and may result in periods of volatility and increased portfolio redemptions. In a declining interest-rate environment, the portfolio may generate less income. Longer-term securities may be more sensitive to interest rate changes. An imbalance in supply and demand in the municipal market may result in valuation uncertainties and greater volatility, less liquidity, widening credit spreads and a lack of price transparency in the market. There generally is limited public information about municipal issuers. Income from tax-exempt municipal obligations could be declared taxable because of changes in tax laws, adverse interpretations by the relevant taxing authority or the non-compliant conduct of the issuer of an obligation and may subject to the federal alternative minimum tax.There is no guarantee that any investment strategy will work under all market conditions, and each investor should evaluate their ability to invest for the long-term, especially during periods of downturn in the market.A separately managed account may not be appropriate for all investors. Separate accounts managed according to the particular strategy may include securities that may not necessarily track the performance of a particular index. 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We celebrate our 200th episode today, and with that milestone, it's only appropriate that Fintan isn't here to record the intro [0:00 – 4:06], so it's just Jon. Yeah, we're skipping that bit too.But wait! Then we're joined by both Fintan and top-guest-who-is-in-no-way-here-because-he-works-for-a-top-sponsor, Mark Schmidt. He's head of sales, Africa for EveryMatrix, and is on to share his insights on the gaming industry, his personal journey through addiction, and the importance of attention to detail in business. He discusses the evolution of the industry, the challenges faced by operators, and the need for authenticity in a world often dominated by superficiality. Mark also opens up about his struggles with addiction and mental health, emphasizing the importance of support and understanding within the industry. In this conversation, the speakers delve into the critical topics of mental health, addiction, and the culture surrounding alcohol in the gaming industry. They discuss the importance of therapy, the normalization of alcohol consumption in business settings, and the need for community support for those struggling with addiction. The conversation also touches on the authenticity of engagement on platforms like LinkedIn and the challenges faced by individuals in the industry. In this conversation, Mark Schmidt discusses the importance of community engagement, personal branding, and integrity in business practices within the gaming industry. He emphasizes the need for continuous improvement and adaptation to market demands, particularly in Africa, where EverMatrix is expanding its presence. The discussion also touches on the significance of building long-term relationships and maintaining a good reputation in a small industry. Networking at events like Sigma Africa is highlighted as a crucial aspect of business growth.Choice quotes – guess which one is Jon: "Seriously, mushrooms. Fucking amazing.""Business doesn't get done on the stand.""90% of the shows in Africa are rubbish.""Let's get real about what's going on.""This industry is all about long-term."A big slice of love pie to sponsors Optimove for their support, which helps us to keep this podcast ticking over. They turn customer data into PURE GOLD, with tools that make businesses shine. Optimove, your support helps us make things that people listen to. I was going to write 'entertain people' but realised it was a bit of a reach. A big thank-you to Clarion Gaming for keeping the gaming industry buzzing and sponsoring our podcast! If you've been at ICE in Barcelona, you'll know they knocked it out of the park. Every day is your 21st birthday with Clarion.We're thrilled to also be sponsored by the beautiful people at OddsMatrix Sports Betting Software Solutions — your go-to for sportsbook platforms and data feeds. EveryMatrix's coverage is so wonderful, if he were alive Jimmy Stewart would be wanting to appear in a film about it and call it, It's A Wonderful OddsMatrix. A big thanks to them for their support and… we love you.The Gambling Files podcast delves into the business side of the betting world. Each week, join Jon Bruford and Fintan Costello as they discuss current hot topics with world-leading gambling experts.Website: https://www.thegamblingfiles.com/Subscribe on Apple Podcasts:

In this episode of iGaming Daily, Charlie Horner, SBC's Media Manager, is joined by EveryMatrix's Head of Sales for Africa, Mark Schmidt, to discuss the potential of the African iGaming market, especially in South Africa.Mark explores the market dynamic, opportunities for growth and challenges posed by legacy technology in the region, as well as explains how EveryMatrix aims to differentiate itself with innovative solutions and a focus on localised support.The conversation also touches on the importance of understanding player demands, EveryMatrix's success in South Africa and the need for modern technology to meet the demands of the region's competitive landscape.To find out more about the topics discussed in today's episode, click on the following links:- EveryMatrix: Ending "Overpromise & Underdelivery" In AfricaHost: Charlie HornerGuest: Mark SchmidtProducer: Anaya McDonaldEditor: James RossRemember to check out Optimove at https://hubs.la/Q02gLC5L0 or go to Optimove.com/sbc to get your first month free when buying the industry's leading customer-loyalty service. 

We want to let our fans know there is some “colorful” language in this episode as this is a raw conversation involving many emotions, life experiences, and more. It's time to get serious about mental health. With this, we have started the Mental Toughness Podcast to help ourselves and others learn more about these issues, […]

I'm thrilled to kick off the new year with not one but two incredible guests: Mike Schmidt and AJ Rivera, the powerhouse team behind Agency Coach. With over 20 years of experience in the digital marketing world, Mike and AJ specialize in coaching agency owners and business leaders, offering actionable insights to help scale and grow. Their unique strategies blend lead generation, sales process optimization, and nurturing tactics that work for any business, not just agencies.In this episode, you'll learn:How to turn leads into loyal clients: Discover why every lead sucks until nurtured and how to turn them into paying customers.The feed-and-fish email strategy: Learn how a simple, authentic email approach can drive hand-raising leads and boost conversions.Why reviews matter more than ever: Find out how an optimized review strategy can make your business the obvious choice.The power of nurturing your audience: Get actionable tips to create meaningful connections and foster long-term loyalty.Strategies for boosting monthly recurring revenue: Leverage proven systems to scale your business effortlessly.Want to take your marketing game to new heights in 2025? Don't forget to check out Mike and AJ's free training at agencycoach.com/rockymountain. It's a must-see for anyone looking to sharpen their strategy this year!Start getting sponsors for your podcast and make a difference on your business.http://www.sponsoryourpodcast.com/skool.com/agencycoach00:00 Introduction to Rocky Mountain Marketing01:46 Meet Today's Guests: Mike Schmidt and Anthony Rivera03:27 The Evolution of Digital Marketing Agencies05:52 Understanding Business Fundamentals11:30 The Importance of Lead Generation and Nurturing15:26 Effective Nurturing Strategies17:45 Educating Your Audience18:31 Nurturing Through Personal Stories19:32 Making the Offer: Fish Strategy19:50 The Power of Simple Follow-Ups21:06 Connecting Email Strategies to Social Media25:04 Importance of Reviews for Local Businesses27:19 How to Consistently Get Reviews29:31 Conclusion and Final ThoughtsVisit Mike Schmidt's social media pages:Website: https://agencycoach.com/about/LinkedIn: https://www.linkedin.com/in/anchorwaveInstagram: https://www.instagram.com/mrmikeschmidt/Visit Anthony “AJ” Rivera's social media pages:Website: https://agencycoach.com/about/LinkedIn: https://www.linkedin.com/in/anthonyriveraInstagram: https://www.instagram.com/ant1832/Learn more about Katie and Next Step Social Communications:Speaking: https://katiebrinkley.com/Website: https://www.nextstepsocialcommunications.comLinkedin: https://www.linkedin.com/in/katiebrinkleyYouTube: https://www.youtube.com/channel/@rockymountainmarketingInstagram: https://www.instagram.com/iamkatiebrinkley/Facebook: https://www.facebook.com/groups/socialprofitlab#DigitalMarketing #AgencyGrowth #BusinessCoaching #MarketingStrategy #Entrepreneurship #ContentCreation #EmailMarketing #CustomerEngagement #OnlineReputation #LeadGeneration #DenverBusiness Hosted on Acast. See acast.com/privacy for more information.

The Maryland Port Authority will receive $145 million dollars from the Biden administration's Clean Ports Program, with $32 million dollars to benefit sustainability upgrades at Seagirt and Dundalk Terminal. Mark Schmidt, president of Ports America Chesapeake, tells us more. Ports America Chesapeake operates Seagirt and Dundalk Marine Terminals at the Port of Baltimore under a public-private agreement with the Maryland Port Administration.  Links: Biden-Harris Administration Announces $147M in Clean Ports Investments in Maryland as Part of Investing America Agenda | US EPA. Biden visits Port of Baltimore to announce funding for carbon reduction at US ports Do you have a question or comment about a show or a story idea to pitch? Contact On the Record at: Senior Supervising Producer, Maureen Harvie she/her/hers mharvie@wypr.org 410-235-1903 Senior Producer, Melissa Gerr she/her/hers mgerr@wypr.org 410-235-1157 Producer Sam Bermas-Dawes he/him/his sbdawes@wypr.org 410-235-1472

"Tim Graham And Friends" brought to you by CTBK welcomes St. Bonaventure basketball coach Mark Schmidt to talk about the program and his upcoming Coaches Vs. Cancer 716 Golf Classic and Tennis Channel/Tennis.com senior editorial manager Ed McGrogan for his thoughts on Jessica Pegula's newfound momentum entering the U.S. Open.

The College Basketball Experience (@TCEonSGPN) of the Sports Gambling Podcast Network continues their Summer School Coaches Tour. On the show Ryan McIntyre (@Moneyline_Mac) is joined by head coach of the Ohio Bobcats, Jeff Boals! On the show, Coach Boals reflects back on his first five seasons leading his alma mater at Ohio U. What do Coach Boals and his staff value in their program on a day to day basis? Jeff discusses the impact the different coaches like Thad Matta, Keith Dambrot, Mark Schmidt, and others have had on his journey to becoming a Division-1 head coach. What was the hardest decision he had to make in the coaching industry? They breakdown what the 2024-2025 Ohio Bobcats team will look like. What areas did Jeff and his staff put an emphasis on in the Transfer Portal this spring? How did he prepare his program for the MAC with their non-conference schedule? What will it take for the Bobcats to win the MAC and reach the NCAA Tournament? And they discuss the current state of College Basketball. Come join us all year long on the College Basketball Experience! ================================================== JOIN the SGPN community #DegensOnlyExclusive Merch, Contests and Bonus Episodes ONLY on Patreon - https://sg.pn/patreonDiscuss with fellow degens on Discord - https://sg.pn/discordDownload The Free SGPN App - https://sgpn.appCheck out the Sports Gambling Podcast on YouTube - https://sg.pn/YouTubeCheck out our website - http://sportsgamblingpodcast.com SUPPORT us by supporting our partners Rithmm - Player Props and Picks - Free 7 day trial! https://rithmm.page.link/smartplayNYRA Racing code SGPN25 - $25 FREE BET and $200 Deposit Bonus Promo code SGPN25 - http://nyrabets.com/sgpn25Underdog Fantasy code SGPN - Up to $250 in BONUS CASH - https://play.underdogfantasy.com/p-sgpnRoyal Retros code SGPN - 10% off - https://www.royalretros.com/Gametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/Football Contest Proxy - Use promo code SGP to save $50 at - https://www.footballcontestproxy.com/ ADVERTISE with SGPNInterested in advertising? Contact sales@sgpn.io ================================================================ Gambling problem? Call 1-800-GAMBLER CO, DC, IL, IN, LA, MD, MS, NJ, OH, PA, TN, VA, WV, WY Call 877-8-HOPENY or text HOPENY (467369) (NY) Call 1-800-327-5050 (MA)21+ to wager. Please Gamble Responsibly. Call 1-800-NEXT-STEP (AZ), 1-800-522-4700 (KS, NV), 1-800 BETS-OFF (IA), 1-800-270-7117 for confidential help (MI) ================================================================ WATCH The College Experience YouTube - https://www.youtube.com/@TheCollegeExperienceFOLLOW The College Experience On Social Media Twitter - tceonsgpn Instagram - tceonsgpn TikTok - tceonsgpn Follow The Hosts On Social MediaNoah Bieniek - noahb77_Colby Dant - thecolbydRyan McIntyre - moneyline_macNC Nick - nc__nickPatty C - pattyc831 Come join us all year long on the College Basketball Experience! JOIN the SGPN community #DegensOnlyExclusive Merch, Contests and Bonus Episodes ONLY on Patreon - https://sg.pn/patreonDiscuss with fellow degens on Discord - https://sg.pn/discordDownload The Free SGPN App - https://sgpn.appCheck out the Sports Gambling Podcast on YouTube - https://sg.pn/YouTubeCheck out our website - http://sportsgamblingpodcast.com SUPPORT us by supporting our partners Rithmm - Player Props and Picks - Free 7 day trial! https://rithmm.page.link/smartplayNYRA Racing code SGPN25 - $25 FREE BET and $200 Deposit Bonus Promo code SGPN25 - http://nyrabets.com/sgpn25Underdog Fantasy code SGPN - Up to $250 in BONUS CASH - https://play.underdogfantasy.com/p-sgpnRoyal Retros code SGPN - 10% off - https://www.royalretros.com/Gametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/Football Contest Proxy - Use promo code SGP to save $50 at - https://www.footballcontestproxy.com/ ADVERTISE with SGPNInterested in advertising? Contact sales@sgpn.io ================================================================ Gambling problem? Call 1-800-GAMBLER CO, DC, IL, IN, LA, MD, MS, NJ, OH, PA, TN, VA, WV, WY Call 877-8-HOPENY or text HOPENY (467369) (NY) Call 1-800-327-5050 (MA)21+ to wager. Please Gamble Responsibly. Call 1-800-NEXT-STEP (AZ), 1-800-522-4700 (KS, NV), 1-800 BETS-OFF (IA), 1-800-270-7117 for confidential help (MI) ================================================================ WATCH The College Experience YouTube - https://www.youtube.com/@TheCollegeExperienceFOLLOW The College Experience On Social Media Twitter - tceonsgpn Instagram - tceonsgpn TikTok - tceonsgpn Follow The Hosts On Social MediaNoah Bieniek - noahb77_Colby Dant - thecolbydRyan McIntyre - moneyline_macNC Nick - nc__nickPatty C - pattyc831

11:30am Hour 2 - Coach Schmidt joins Sal to give information on Coaches vs Cancer

00:00-50:00: St. Bonaventure basketball insider J.P. Butler joins the MLSP to chat about Joe Manhertz resigning, the timeline from the ESPN screen shot saying no to the NIT to now, the poor overall handling of the situation, player involvement and Mark Schmidt involvement, what's next for the program, the fear on campus of NIL/transfer portal, what the roster might look like next year, JP's breakdown of the new college basketball reality and more.

Did you know that the generation that declared independence from Great Britain were closer to the Mayflower generation than we are to the Independence generation?  150 years after the landing of the Mayflower with 102 passengers on the tip of Cape Cod, their descendants were leading 13 Colonies in a spirited and armed defense of the rights and liberties of mankind. Now, 250 years later we talk with Mark Schmidt, Executive Director of the General Society of Mayflower Descendants, on the lasting impact of that first generation of Colonists, how their descendants saw themselves connected to the empire and how tens of thousands of modern Americans help preserve, promote and commemorate the lives and legacies of their ancestors, passengers of the Mayflower.https://themayflowersociety.org/

The College Basketball Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the entire March Madness college basketball slate for Friday, March 15th. Pick Dundee aka (@TheColbyD) & Ryan McIntyre (@Moneyline_Mac) break down every single game and note their favorite college basketball plays for the day of hoops. Will Rick Pitino and St. John's knock off the UConn Huskies at Madison Square Garden in the Big East Tournament? Should the Memphis Tigers bring Penny Hardaway back for another year? Will the Colorado Buffaloes and Tad Boyle stay red hot and take down Kyle Smith and the Washington State Cougars in Las Vegas, Nevada? What should we make of Mark Schmidt and the St. Bonaventure Bonnies run in the Atlantic 10 Tournament in Brooklyn, New York? Are the East Carolina Pirates and Mike Schwartz worthy of an upset against the regular season champs in the South Florida Bulls? Can the Oregon Ducks get revenge on the Arizona Wildcats? Will Tom Izzy and the Michigan State Spartans knock off Matt Painter and the Purdue Boilermakers? Will Saint Peter's give the Quinnipiac Wildcats a game in the MAAC? Can the New Mexico Lobos get another huge Mountain West win against Isaiah Stevens and the Colorado State Rams? Will San Diego State handle business against the regular season champs the Utah State Aggies? Will NC State knock off Tony Bennett and the Virginia Cavaliers in Washington D.C.? We talk it all and much much more on this episode of The College Basketball Experience. ===================================================== Support us by supporting our partners Gametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/ Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpn Discuss with fellow degens on Discord - https://sg.pn/discord SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app Check out SGPN.TV ADVERTISE with SGPN Interested in advertising? Contact sales@sgpn.io Follow The College Experience & SGPN On Social Media Twitter - tceonsgpn Twitter - gamblingpodcast Instagram - tceonsgpn Instagram - gamblingpodcast TikTok - gamblingpodcast Facebook - sportsgambling Youtube - thecollegeexerience Follow The Hosts On Social Media Colby Dant - thecolbyd Ryan McIntyre - moneyline_mac Noah Bieniek - noahb77_ NC Nick - nc__nick Patty C - pattyc831 Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices

The College Basketball Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the entire March Madness college basketball slate for Friday, March 15th. Pick Dundee aka (@TheColbyD) & Ryan McIntyre (@Moneyline_Mac) break down every single game and note their favorite college basketball plays for the day of hoops. Will Rick Pitino and St. John's knock off the UConn Huskies at Madison Square Garden in the Big East Tournament? Should the Memphis Tigers bring Penny Hardaway back for another year? Will the Colorado Buffaloes and Tad Boyle stay red hot and take down Kyle Smith and the Washington State Cougars in Las Vegas, Nevada? What should we make of Mark Schmidt and the St. Bonaventure Bonnies run in the Atlantic 10 Tournament in Brooklyn, New York?Are the East Carolina Pirates and Mike Schwartz worthy of an upset against the regular season champs in the South Florida Bulls? Can the Oregon Ducks get revenge on the Arizona Wildcats? Will Tom Izzy and the Michigan State Spartans knock off Matt Painter and the Purdue Boilermakers? Will Saint Peter's give the Quinnipiac Wildcats a game in the MAAC? Can the New Mexico Lobos get another huge Mountain West win against Isaiah Stevens and the Colorado State Rams? Will San Diego State handle business against the regular season champs the Utah State Aggies? Will NC State knock off Tony Bennett and the Virginia Cavaliers in Washington D.C.? We talk it all and much much more on this episode of The College Basketball Experience.=====================================================Support us by supporting our partnersGametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpnDiscuss with fellow degens on Discord - https://sg.pn/discordSGPN Merch Store - https://sg.pn/storeDownload The Free SGPN App - https://sgpn.appCheck out SGPN.TVADVERTISE with SGPNInterested in advertising? Contact sales@sgpn.ioFollow The College Experience & SGPN On Social MediaTwitter - tceonsgpnTwitter - gamblingpodcastInstagram - tceonsgpnInstagram - gamblingpodcastTikTok - gamblingpodcastFacebook - sportsgamblingYoutube - thecollegeexerienceFollow The Hosts On Social MediaColby Dant - thecolbydRyan McIntyre - moneyline_macNoah Bieniek - noahb77_NC Nick - nc__nickPatty C - pattyc831Watch the Sports Gambling PodcastYouTube - https://www.sg.pn/YouTubeTwitch - https://www.sg.pn/TwitchRead & Discuss - Join the conversationWebsite - https://www.sportsgamblingpodcast.comSlack - https://sg.pn/slackReddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices

The College Basketball Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the entire March Madness college basketball slate for Friday, March 15th. Pick Dundee aka (@TheColbyD) & Ryan McIntyre (@Moneyline_Mac) break down every single game and note their favorite college basketball plays for the day of hoops. Will Rick Pitino and St. John's knock off the UConn Huskies at Madison Square Garden in the Big East Tournament? Should the Memphis Tigers bring Penny Hardaway back for another year? Will the Colorado Buffaloes and Tad Boyle stay red hot and take down Kyle Smith and the Washington State Cougars in Las Vegas, Nevada? What should we make of Mark Schmidt and the St. Bonaventure Bonnies run in the Atlantic 10 Tournament in Brooklyn, New York? Are the East Carolina Pirates and Mike Schwartz worthy of an upset against the regular season champs in the South Florida Bulls? Can the Oregon Ducks get revenge on the Arizona Wildcats? Will Tom Izzy and the Michigan State Spartans knock off Matt Painter and the Purdue Boilermakers? Will Saint Peter's give the Quinnipiac Wildcats a game in the MAAC? Can the New Mexico Lobos get another huge Mountain West win against Isaiah Stevens and the Colorado State Rams? Will San Diego State handle business against the regular season champs the Utah State Aggies? Will NC State knock off Tony Bennett and the Virginia Cavaliers in Washington D.C.? We talk it all and much much more on this episode of The College Basketball Experience. ===================================================== Support us by supporting our partners Gametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/ Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpn Discuss with fellow degens on Discord - https://sg.pn/discord SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app Check out SGPN.TV ADVERTISE with SGPN Interested in advertising? Contact sales@sgpn.io Follow The College Experience & SGPN On Social Media Twitter - tceonsgpn Twitter - gamblingpodcast Instagram - tceonsgpn Instagram - gamblingpodcast TikTok - gamblingpodcast Facebook - sportsgambling Youtube - thecollegeexerience Follow The Hosts On Social Media Colby Dant - thecolbyd Ryan McIntyre - moneyline_mac Noah Bieniek - noahb77_ NC Nick - nc__nick Patty C - pattyc831 Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices

The College Basketball Experience (@TCEonSGPN) on the Sports Gambling Podcast Network previews the entire March Madness college basketball slate for Friday, March 15th. Pick Dundee aka (@TheColbyD) & Ryan McIntyre (@Moneyline_Mac) break down every single game and note their favorite college basketball plays for the day of hoops. Will Rick Pitino and St. John's knock off the UConn Huskies at Madison Square Garden in the Big East Tournament? Should the Memphis Tigers bring Penny Hardaway back for another year? Will the Colorado Buffaloes and Tad Boyle stay red hot and take down Kyle Smith and the Washington State Cougars in Las Vegas, Nevada? What should we make of Mark Schmidt and the St. Bonaventure Bonnies run in the Atlantic 10 Tournament in Brooklyn, New York?Are the East Carolina Pirates and Mike Schwartz worthy of an upset against the regular season champs in the South Florida Bulls? Can the Oregon Ducks get revenge on the Arizona Wildcats? Will Tom Izzy and the Michigan State Spartans knock off Matt Painter and the Purdue Boilermakers? Will Saint Peter's give the Quinnipiac Wildcats a game in the MAAC? Can the New Mexico Lobos get another huge Mountain West win against Isaiah Stevens and the Colorado State Rams? Will San Diego State handle business against the regular season champs the Utah State Aggies? Will NC State knock off Tony Bennett and the Virginia Cavaliers in Washington D.C.? We talk it all and much much more on this episode of The College Basketball Experience.=====================================================Support us by supporting our partnersGametime code SGPN - Download the Gametime app, create an account, and use code SGPN for $20 off your first purchase - https://gametime.co/Underdog Fantasy code SGPN - 100% Deposit Match up to $100 - https://play.underdogfantasy.com/p-sgpnDiscuss with fellow degens on Discord - https://sg.pn/discordSGPN Merch Store - https://sg.pn/storeDownload The Free SGPN App - https://sgpn.appCheck out SGPN.TVADVERTISE with SGPNInterested in advertising? Contact sales@sgpn.ioFollow The College Experience & SGPN On Social MediaTwitter - tceonsgpnTwitter - gamblingpodcastInstagram - tceonsgpnInstagram - gamblingpodcastTikTok - gamblingpodcastFacebook - sportsgamblingYoutube - thecollegeexerienceFollow The Hosts On Social MediaColby Dant - thecolbydRyan McIntyre - moneyline_macNoah Bieniek - noahb77_NC Nick - nc__nickPatty C - pattyc831Watch the Sports Gambling PodcastYouTube - https://www.sg.pn/YouTubeTwitch - https://www.sg.pn/TwitchRead & Discuss - Join the conversationWebsite - https://www.sportsgamblingpodcast.comSlack - https://sg.pn/slackReddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices

Una Vida de Misión, Domingo 22 de Octubre, Mark Schmidt by Pastor Josué Ortiz

Ever wondered how one attains a six-figure income in their first year in the auto insurance industry? Buckle up for an inspiring journey with our esteemed guest, Mark Schmidt, a successful IAPath graduate, who achieved this remarkable feat. Mark, with his rich background in managing people, sales, and insurance, generously shares the secret sauce of his success. We kick things off by discussing his introduction to IAPath, and his empowering decision to opt for their on-demand training, a move which catapulted him into his thriving career. As we journey further, Mark sheds light on how he tackled the formidable challenge of running a 300-mile one-way trip to Seattle to complete auto claims. This episode is packed with indispensable insights such as strategic planning, setting expectations, and the art of negotiation. Mark reveals how he managed to turn these challenges into lucrative opportunities, consistently delivering quality appraisals that made a lasting impression in the industry. We also touch upon his future plans, including potential relocation for better business opportunities and managing slow periods in the industry. The conversation gets even more intriguing as we explore the role of Mark's strong support system in his stellar success. We delve into how the White Duo, Chad, and Jamie, contributed significantly to Mark's achievements, emphasizing the importance of nurturing a robust support network. The value of setting realistic goals, trusting oneself, and learning from those around us is also addressed. We wrap up the episode by reflecting on the potential of Mark's fiancee joining the business and the enticing prospect of Mark venturing into property investment. This episode is a treasure trove of practical tips and inspiring anecdotes, promising to empower you with the knowledge you need to make your mark in the industry. Tune in for a transformative journey!Check out our free video training series walking you through every step of your adjuster journey at IAPath.com We know that becoming a successful independent adjuster can be hard and lonely. When you join IA Path you get everything you need to succeed, including mentorship on-demand adjuster training communityAlong with 500 other adjusters who are walking the same path that you are. And we'd love to walk this journey with you. You can join at IAPath.com

Mark Schmidt has been studying Psychedelic mushrooms and their uses for many sources of treatment, when dealing with people whom have experienced a traumatic situation in their life and now suffer from PTSD. Through the first beginning years, he truly was his own guinea pig. He followed in the footsteps of several pioneers before him and put every bit of effort into tracking all the finest details in order to assess himself as accurately as possible and all of the effects each dose and study would have on him. After reaching a high level of confidence in his findings, he began offering therapeutic treatment to his family and close friends, who were desperately searching for a remedy to their personal issues. Once he reached an undeniable level of success through the testaments of all of his patients, he began offering his help to friends of friends that were truly in need of a new method. Many years since, Mark has now been booked for almost 3 years straight. This podcast was truly the most educative and informative one I have ever had the pleasure of recording. It was an absolute honor and blessing, to have Mark spread his knowledge. I am 100% confident that you will all truly appreciate this podcast. If you know anyone who needs to see this in order to encourage them to seek such treatment, please pass it on! ______________________________________________________________ Terence McKenna and his contributions to the Psychedelic movement for treatment: https://en.m.wikipedia.org/wiki/Terence_McKennaInjected Mice increase brain usage by 10% after Psychedelic injections: https://www.sciencedirect.com/science/article/pii/S0896627321004232Paralyzed Patient begins walking after Psychedelic treatment: https://www.outsideonline.com/outdoor-adventure/exploration-survival/psychedelics-research-paralysis-treatment-jim-harris/ Alexander Sasha Shulgin: https://en.m.wikipedia.org/wiki/Alexander_Shulgin --- Support this podcast: https://podcasters.spotify.com/pod/show/blacksheepperspective/support

Hour 4: St. Bonaventure head coach Mark Schmidt joins the show to talk about the coaches vs cancer event coming up

Hour 4 in full

With investors anticipating earnings surprises for US stocks, the outlook for municipal bonds is looking brighter.----- Transcript -----Michael Zezas: Welcome to Thoughts on the Market. I'm Michael Zezas, Global Head of Fixed Income and Thematic Research for Morgan Stanley. Mark Schmidt: And I'm Mark Schmidt, Head of Municipal Strategy. Michael Zezas: And today, we'll be talking about the core of many investors' fixed income portfolios, municipal bonds. It's Friday, June 16th at 9am in New York. Michael Zezas: As our equity strategists continue to highlight the risk of earnings surprises for U.S. stocks, the outlook for the bond market looks considerably better. A soft landing, so call it, slow growth and slowing inflation, would mean favorable total return prospects across fixed income. In fact, even as the Fed's been raising short term rates, longer term bond yields have been falling as investors anticipate both inflation and growth to decline. So, Mark, for the benefit of listeners, tell us why this is a sweet spot for munis. Mark Schmidt: Thanks, Michael. Municipal bonds, high credit quality and tax exempt income are an opportunity for investors in high tax brackets right now. Credit quality for municipals can seem confusing, but we like to think of it in a pretty simple way. What's the outlook for tax collections? Income tax collections were mixed in April, but sales and property taxes continue to grow. Also, most state and local governments still have plenty of cash on reserve in case the economy performs worse than our economists expect. That cash comes from all the aid that the federal government provided, several hundred billion dollars, in fact, to municipal issuers in response to COVID. That's created a balance sheet buffer that can still support issuers today, even as growth slows. Now, even though credit quality remains pretty good, the good news is we don't think you need to take a lot of risks to enjoy the benefits of tax free income in your portfolio. Michael Zezas: And Mark, investors ask a lot about what the right maturity of bond is for their portfolio. What do you think investors should favor right now? Shorter or longer maturity bonds? Mark Schmidt: Longer maturity bonds generally offer higher returns, but of course, with higher risk as well. Right now, we actually see superior risk adjusted returns in a 1 to 5 year or 1 to 10 year latter. We'd look for investment grade credits in those shorter maturities for investors seeking higher income with higher risk. We'd recommend a barbell approach, one that blends short 1 to 5 year maturities with select maturities between 15 and 20 years. On the long end of the curve, we prefer very high quality AA bonds. With credit spreads and risk free rates at multi-year highs, we just don't think you need to reach for yield in this environment, especially as the economy slows. But Michael, one question that always comes up with regards to municipal bonds is the risk of the tax exemption changing, given how important tax free income is for municipal investors. Congress does change the tax code from time to time, do you expect major legislation out of Washington anytime soon? Michael Zezas: In short, no. Major tax reforms tend to happen once in a generation, and they tend to need one party to control both the White House and both chambers of Congress. And even then, a big tax code change needs to be their priority. So, the earliest this could possibly happen again would be after the 2024 election, so call it 2025. And then again, even then, it's not clear that even if one party were to take control of Congress and the White House, that this would be a priority for them. So in short, it's not something I'd be particularly concerned about. But Mark, turning it back to you. Munis helped to build all kinds of infrastructures in states and cities, colleges, hospitals, airports and toll roads. They all issue municipal bonds. What sectors do you like right now? Mark Schmidt: We think the outlook for most transportation issuers remains pretty good. Summer vacations are right around the corner, and we all definitely want to pack our bags and hit the road. All those travelers going through airports and on toll roads is good news for credit quality. Now, as for one sector where credit quality is more mixed, health care providers are still recovering from all the disruptions related to COVID. You all know the story, of course, as more patients required more specialized care, the demand for nurses and frontline health care workers skyrocketed, leading to higher costs across the board. Those costs are now stabilizing, but we continue to think it will take some time for credit quality to fully recover. When it comes to some of these choices about sectors and credit quality, though, remember that volatility is relative. Compared to other asset classes, fundamentals for investment grade municipal bonds don't change very quickly or very often. They're the classic late cycle haven, as you've mentioned, Michael, in years before. Michael Zezas: Well, Mark, this has been really insightful. Thanks for taking the time to talk. Mark Schmidt: Great speaking with you today, Michael. Michael Zezas: And thanks for listening. If you enjoy thoughts on the Market, please be sure to rate and review us on the Apple Podcasts app. It helps more people find the show.

**NSFW** Pedro Rodriguez, Adam Davis, Mark Aristizabal, Mike Fiorilli & Mark Schmidt come on the show to discuss about crazy childhood stories and dumb things they would do as teenagers. --- Send in a voice message: https://podcasters.spotify.com/pod/show/say-no-more30/message

Mark Schmidt, founder of M. Schmidt Landscaping, talks about his rise as a landscape powerhouse and his adventures in Australia and Japan --- Send in a voice message: https://podcasters.spotify.com/pod/show/say-no-more30/message

Brians Questions: Good evening everyone, Wanted to reach out to you about time in the shop. Im expecting my second child in a matter of days and was curious how you all find/found time in the shop with little kids running around and being constantly tired? My second question is a follow up regarding a question you all read regarding "Box Materials" on October 20th. Loved the double answer but was looking for Drawer box material to use. BB (or whatever you can find now) or a hardwood? Thanks, Paul at Twin Lake Woodshop Hey guys love the podcast. I have been listening for a while now and hear you need some questions. What has been your favorite thing to build and why? something you've built in the past or even something you would like to build in the future. Please share how you built it (or want to build it) and what it was (or will be) enjoyable about the project. Thanks for all the great content and hopefully I'll bring some more specific questions in the near future. -Nicholas Guys Questions: Long time listener, first time caller. You guys have mentioned water-based conversion varnish and that you can get it pigmented. I hate painting woodworking projects, but the wife wants what she wants. Why do you prefer conversion varnish and is there a certain product you prefer? I have a five stage Apollo sprayer, so spraying shouldn't be a problem. I live on the southside of Indianapolis so it isn't the easiest place to get supplies. Thanks, Geoff Hi Fellas, I found the podcast a few months ago and have been really enjoying it. Thanks for the great content and knowledge. I am very much a novice woodworker so I have lots of questions. Sounds like you need questions and I would love some answers so maybe we can all come out on top here. Probably me more than you. Question #1 of 2. I have a little doweling jig, I think from Rockler. It gets the job done, but just barely. I would really like to upgrade to something that is more efficient but more importantly, that is more versatile. I want something with adjustable height and that can do acute angles. I would love a domino but its out of my price range right now. I saw that grizzly, triton and mafell all make a doweling joiner similar to a domino. Yes, one of these things is not like the other. The mafell looks incredible but it costs more than the domino. The triton and grizzly look fine and are very reasonably priced but the reviews tell me they probably aren't worth spending the money. The dowelmax system looks great but its only does 90° and 45°, and you have to buy the 45° adapter plate. After all that, I may as well save a little longer and get the domino. My questions is: should I risk it with the triton, get a biscuit joiner (which I'm worried won't have enough strength for certain applications) or just keep saving and get a domino down the road? Or is there another product I don't know about? Thanks. Happy New Year! Jon Moch Huy's Questions: I have been given a mission to make a wooden serving dish. The shape is basically an elongated oval. Dimensions are 21" x 9" x 1 1/2". My patron (hum hum) called the design a fish platter. Wood will probably be walnut. The walls of the dish are to be sloped and just slightly curved. With some hand work I think I can achieve the outside wall of the dish. The issue creating the most questions for me is how to do the inside wall of the dish. I have seen plenty of bowl and tray bottom router bits. All cut a vertical wall. Bevel router bits I have seen have a bearing on the bottom. The bearing would interfere with the bottom of the dish. Because of the inside and outside curve of the wall I doubt if making a custom scratch stock would yield good results. I don't want to get into the CNC rabbit hole. Any thoughts? You have a great podcast and provide a valuable service to the wood working community. Cheers, Bob On one of the kitchen tables that I made I used mortise-and-tenon joinery, which turned out well, with everything plumb, and then to make sure it was strong I also put in a corner brace cut at 45-degrees, screwed into the skirt on each side, and then ran a cabinet screw through that corner brace into the leg. I left a small gap, about 1/16" between the corner brace and the leg. When I tightened up the braces the legs splayed out a little bit, making them not quite plumb. My concern with seeing the leg move is that I may have stressed the tenons (although I didn't hear any cracking). Is the best practice to omit this corner bracing when doing mortise-and-tenon tables? Mark Schmidt

Top Stories- An investigation continues after a house fire in Wasco left one person dead and another hospitalized- Deputies are investigating a suspicious death in East Bakersfield- The Kern County Fire Department has announced memorial services for firefighter Mark Schmidt

In this episode of The Lean Solutions Podcast, I met with Craig Tedrow, Tina Pietrangelo, and Mark Schmidt to discuss the current workforce challenges in hiring and retaining employees. About the Guests: Craig Tedrow is an experienced Continuous Improvement Professional with a demonstrated history of working in the automotive, aerospace, and defense industry. Skilled in Training Coordination, Continuous Improvement, Team Building, Presentation Skills, and Conflict Management. Strong professional with an Associate's degree focused in Computer and Information Sciences and Support Services from Grand Rapids Community College. Most recently managed the Continuous Improvement department at Plasan Carbon Composites. During exponential growth developed a week long training curriculum to provide a mix of lecture and lab instruction to on board new associates. Intensely involved in training and adherence to Standard Work Instructions using video technology, and Training Within Industry methods. Strong relationships with engineering, operations, maintenance, and facilities, helped to advance implementation of robotics and automation. Tina Pietrangelo is the Plant Manager at Pliant Plastics overseeing Manufacturing Operations. Pilant is a Plastics Injection Molding company and employs 120 members. She has lived in the Holland area for over 30 years and is currently on the board of Escape Ministries and formerly has served on the boards of the Boys & Girls Club of Greater Holland and Ready for School. Prior to joining Pliant, Tina held positions as Plant Manager within the office furniture industry and has held Human Resources positions for a recycling company and automotive interior company. She is also an owner/investor of some restaurants in West Michigan. Mark Schmidt is the founder of BizStream, a custom software and web development company. With more than 20 years of experience in custom software, website development, and content management systems (CMS), Mark grew the business from one to 33 employees, plus contractors, in 17 years. He has managed purchase of new building, renovations, and furnishings for growing team and is a global leader in chosen web technology, Kentico CMS; top 3 partners of 1,100 total Kentico partners; Kentico Gold Partner with competencies in intranet, integration, training, EMS, mobile, and ecommerce; Kentico certified developer. --- Support this podcast: https://anchor.fm/leansolutions/support

08-25 EXP Hour 1 - Sal and Joe speak with Mark Schmidt, the Head Coach of St. Bonaventure's Men's Basketball team, to hear his thoughts on the state of college basketball, and his outlook on the upcoming basketball season. 

"Tim Graham And Friends" welcomes St. Bonaventure hoops coach Mark Schmidt to talk about hosting next week's Coaches Vs. Cancer 716 Golf Classic. Jonah discusses whether Tim plagiarized a trending Buffalo Bills nickname.

The market for indoor air quality products exploded with the pandemic and it's here to stay.  With something a little different than we've discussed in the past, our buddy Mark is going to tell us about the WellAir offerings.

00:00-25:00 Tom Harrison chats about his days playing at St. Bonaventure, legendary teammates, the Bona Cult, his friendship with Jim Baron and Baron's impact, Mark Schmidt's tenure and more!

Welcome to another episode of the Action and Ambition Podcast! Joining us today is Mark Schmidt, President and CEO of Cyberlux Corporation. Cyberlux Corporation is a digital technology platform company with four vertical business units targeting global growth markets. The company is organized around Digital Platform Solutions (DPS), Unmanned Aircraft Solutions (UAS), Infrastructure Technology Solutions (ITS), and Advanced Lighting Solutions (ALS). It was founded as an Advanced Lighting company in 2000. Cyberlux Corporation became a supplier to the Department of Defense (DoD) after being asked by the United States Air Force to leverage their unique Cyberlux LED lighting technologies to solve tough problems for elite Special Forces Teams. Tune in to learn more!  

00:00-30:00: Jack Milko chats about the Bonnies' run to the NIT Final Four at MSG, big moments along the way, Jaren Holmes' toughness, Kyle Lofton's redemption, Osun's block, Holy Cross and Bonaventure similarities, just how huge it is for the program to play at the Garden, Mark Schmidt's incredible job at the school and more!

00:00-45:00: J.P. Butler joins the show to chat about the Bonnies' run to MSG and the NIT Final Four, redemption and salvaging the season, Kyle Lofton's impact, true road warriors, Mark Schmidt almost leaving for UMass, what it means for this program to play at Madison Square Garden and more!

AMSC's Mr. David Howey and Mr. Mark Schmidt discuss various aspects of the Intermediate Course to include student goals, course themes, learning activities, and more. Whether you're a prospective student, a graduate of the course, or a supervisor of eligible employees, this conversation has something for you. The Intermediate Course prepares current and aspiring Army Civilian leaders (GS 10-12) to become more innovative, self-aware, and prepared to effectively lead and care for personnel and manage assigned resources at the organizational level. The course is required per AR 350-1 for Army Civilian supervisors in those grades. Learn more at: https://usacac.army.mil/organizations/cace/amsc/intermediate For questions, suggestions, or feedback, write us at usarmy.leavenworth.tradoc.mbx.armyu-amsc-podcast@army.mil To learn more about the Army Management Staff College, visit our website at https://usacac.army.mil/organizations/cace/amsc No DoD or U.S. ARMY ENDORSEMENT IMPLIED. Any references to commercially available products or works are used for research and educational purposes only. Mention of any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise does not necessarily constitute or imply its endorsement, recommendation, or favoring by the US Army, Department of Defense, or the United States Government. The views and opinions of the authors expressed herein do not state or reflect those of the United States Government and shall not be used for advertising or product endorsement purposes. The mention of companies by name is solely for the purpose of representing educational framework and should not be implied as endorsement. Music: "Army Strong" composed by Mark Isham, arranged by Hector Munoz.

00:00-25:00: Glenn Hagan chats about his career at Bona, why he chose the school, the 1977 NIT championship team, his relationship with Jim Satalin, the game then and now, SBU being on the map and playing anyone in college basketball during his time, how he would do with NIL today, his legacy, past trips to the RC, his relationship with Mark Schmidt and more!

00:00-35:00: The Heart of Bona's Basketball producer Mike Camoin chats about the developing documentary, recovering from the scandal, Mark Schmidt's place in Bona hoops history, how the chapters are broken down, the impact of the Stith brothers, Franciscan values, his time at Bona, the tough years, the Bona cult developing, hoops bringing us together, the season now and what's next and more!

00:00-20:00:Bonnies men's basketball voice Gary Nease chats about expectations and hype for Bona this season, what Jaren Holmes has meant to the team, if Mark Schmidt is here to stay, a packed Reilly Center returning, the Big 3's growth, Dennis DePerro's impact and more! 21:00-30:33:Mike Lindsley on how special Jaren Holmes really is and why he is a perfect Mark Schmidt player.

00:0-30:00:00:00-30:00:Bonnies head men's basketball coach Mark Schmidt joins the show to chat about the challenges of last season, expectations ahead, the transfer portal, roster construction for next year, the impact of the Osun-Dom Welch-Kyle Lofton trio, why winning the regular season A-10 title was so important, his friendship with Dennis DePerro, another NCAA Tournament berth, making Bona and Olean home over 14 years, what it will be like having fans back at the Reilly Center and how much they were missed in 2020-2021 and more!