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It might be the greatest military discount in history — and most service members are leaving it on the table. In this solo episode, Spencer breaks down how active duty members, Guard and Reserve on 30+ day orders, and military spouses can carry the best premium credit cards on the market and pay $0 in annual fees, thanks to two federal laws. He covers exactly how it works, the optimal order to open cards, how far you can push it in "two-player mode," and the real refund stories — including one veteran who got over $8,000 back. Questions Answered What's the big deal with military annual-fee waivers, and why do the banks do it? Who qualifies as a "covered borrower"? What's the difference between the MLA and the SCRA — and which applies when? How do you check the MLA database before applying? How do you get started, and are you actually ready for this hobby? What's the optimal order to open cards? How far can you take this, and what is "two-player mode"? Which cards are eligible for fee waivers? Are military spouses eligible for their own cards? (Yes.) What if a spouse opened a card before active duty? Will all these cards hurt my credit score? What about business cards? What happens to the annual fees when I leave active duty? Main Topics Covered The two laws that power the waivers: Military Lending Act (MLA) and Servicemembers Civil Relief Act (SCRA) Who's covered: active duty, Guard/Reserve on 30+ day orders, and DEERS-listed spouses MLA's 36% rate cap and why banks just zero out fees instead Treating credit cards like debit cards — the prerequisite for playing Referral bonuses and spouse "two-player mode" A sample card-opening sequence Stacking recurring benefits across multiple cards (travel credits, Uber Eats, hotel credits, free-night certs) How multiple open cards can actually help your credit score What to do with cards after separating: keep, downgrade, or close Real UMC3 success stories, including large SCRA refunds Resources Mentioned Top card list: militarymoneymanual.com/cards Ultimate Military Credit Cards Course: militarymoneymanual.com/umc3 MLA database check: militarymoneymanual.com/mla-database Episode 215: "Military Spouse Credit Cards: 4 Myths Debunked" with The Military Travelers Instagram: @militarymoneymanual Email: podcast@militarymoneymanual.com For Bilt MLA waivers: support@cardless.com Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All opinions, analyses, and recommendations are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain. Military Money Manual may receive compensation from JPMC. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like the Chase Sapphire Reserve® Card. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Offers may be expired: Offers, rates, fees, and benefits are subject to change and may have ended since this video was published — please verify the current terms on the issuer's official website before applying. Terms apply, and all cards are subject to credit approval. Any comments below are from individual users and are not provided, reviewed, approved, or endorsed by any issuer.
It's a special mini episode! There's long been a public perception that Danielle Smith's radio program, "Your Province, Your Premier" comes at not cost to taxpayers.But...Recent documents obtained by The Breakdown demonstrate that not only is the program not free, it's costing Alberta taxpayers almost $10,000 a month! We break it all down in this special mini deep dive!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
How do you actually pick which heifers to keep? For many, selecting the top ones is easy, but it's those middle ones that are hard to choose between. For this week's guest, Geoff Hayes, the answer is genomics. Geoff and his wife Belinda started their Angus stud just 5 years ago, but began their genomic journey early, not wanting to pick bulls on looks alone from the very beginning. "I was hesitant just to go and pick them visually," Geoff explains. "We need to put some science into it."They began with a base genomic test across a random selection of purchased cattle, which showed them that they were fine for IMF, but needed to increase ribeye area, and that became the main basis of their early selection focus.Over time, that focus shifted. Rather than just chasing carcass traits, they started looking for sires out of cow families with longevity in the background. This introduced more of a focus on the maternal and stayability traits. Geoff still tests his own weaners before deciding which ones to keep and that same mindset is now extending to heifers, with Geoff part of MLA's heifer PDS project. The project involves genotyping heifers, alongside visual measurements to help guide replacement decisions. This project is ongoing, and we will have results to share in the coming years. Mark and Geoff finish by talking about where the beef industry is headed with record property and beef values, as well as the possibilities of new technology just around the corner.Optimised Heifer Selection is a Producer Demonstration Site (PDS) project funded by Meat & Livestock Australia and facilitated by neXtgen Agri. Geoff Hayes is a core producer demonstration site for this project. If you would like to learn more about this PDS project, you can visit the Heifer Selection Hub page or contact: Georgia Pugh, neXtgen Agri M: +61 408 947 488 E: georgia@nextgenagri.comHead Shepherd is brought to you by neXtgen Agri International Limited. We help livestock farmers get the most out of the genetics they farm with. Get in touch with us if you would like to hear more about how we can help you do what you do best: info@nextgenagri.com.Thanks to our sponsors at MSD Animal Health and Allflex, Heiniger Australia and New Zealand, and ProWay Livestock Equipment. Please consider them when making product choices, as they are instrumental in enabling us to bring you this podcast each week.Check out the MSD range HERECheck out Allflex products HERECheck out Heiniger's product range HERECheck out ProWay's product range HERE
It's another "Speakers Corner" and this week the comments and the questions were all about the nature of democracy!But not before we get started with some pancake talk!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
ThePrintPod: ED arrests BJP office-bearer & ex-MLA's son in Mahadev betting case—‘Rs 1,200 crore routed via hawala'
What is going on with all of the infrastructure projects coming out of Stampede?With two (not really) pipeline announcements and an AI data center with its own power plant and a natural gas processing plant nearby, there's a lot to unpack! Especially when the province's version of how the data center and its power plant will be affecting Alberta's water and electricity! All of this and a run down on the latest in the voter list leak, the "Water not Coal" petition and a whole lot more!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
* "லாரி டயர் சரியில்லை" - ஸ்ரீவைகுண்டம் MLA ஆய்வு? * எம்.எல்.ஏ திமுக மேல் வைத்த குற்றச்சாட்டு என்ன? * சென்னை எழும்பூர் குழந்தைகள் மருத்துவமனையில் முதல்வர் விஜய் திடீர் ஆய்வு* பள்ளியில் ஆய்வு செய்த அமைச்சர் கீர்த்தனா குறித்த கேள்விக்கு துரை வைகோ எம்.பி கொடுத்த பதில்* தேர்தல் வழக்கில் முதல்வர் விஜய்க்கு நோட்டீஸ் அனுப்பிய நீதிமன்றம்?* மரிய வில்சன்: நேரில் ஆஜராவதில் இருந்து விலக்கு?* கரூர் விசிட் : 32 நபர்களுக்கு கருணை அடிப்படையில் பணி நியமன ஆணை வழங்குகிறார் முதல்வர் விஜய்!* இந்திய கம்யூனிஸ்ட் எம்பி சுப்பராயன் எதிர்ப்பு?* திருமா Vs வைகோ?* விசிக: 'எந்த அரசியலும் இல்லை'; அமைச்சரவை பெயர் மாற்றம் - ரவிக்குமார் எதிர்ப்புக்கு வன்னி அரசு பதில்!* செந்தில் பாலாஜி ஜாமீன்?* மகாராஷ்டிராவில் கனமழை: ஆற்று வெள்ளத்தில் அடித்துச்செல்லப்பட்ட 3000 கேஸ் சிலிண்டர்கள்* 'காவல்துறை பாஜக தொண்டர்களைப் போல.!' - சொந்த கட்சி தொண்டரை அறைந்த மம்தா பானர்ஜி - என்ன நடந்தது?* முதலிரவு செட்டப்பில் ரயில் பெட்டியை அலங்கரித்து ஹனிமூனுக்கு சென்ற ஜோடி! டெக்கரரேஷனுக்கு அனுமதித்த TTE தற்காலிக பணிநீக்கம்* இந்தியாவுக்கு யுரேனியம்: ஆஸி. பிரதமர் அறிவிப்பு #* ஈரான் துறைமுகம், விமான நிலையம் மீது அமெரிக்கா தாக்குதல்?
In this third installment of the special series on servicemember protections, Chris Willis is joined by colleagues Taylor Gess and Jeremy Sairsingh to explore the non-pricing protections under the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA). The discussion covers the MLA's disclosure and delivery requirements, including the written and oral disclosure obligations that must be satisfied before or at the time credit is extended, and the practical approaches financial institutions use to meet the oral disclosure requirement. The team then turns to the SCRA's broad non-rate protections, walking through litigation protections, collateral protections governing repossessions and foreclosures, and mobility protections that allow servicemembers to terminate residential and auto leases and certain consumer service contracts upon qualifying orders, including the distinction between pre-service and in-service lease terminations and the ongoing DOJ enforcement activity in this space. The episode also covers the MLA's prohibition on mandatory arbitration clauses and anti-waiver requirements, the SCRA's specific form and timing requirements for valid waivers of servicemember rights, and the MLA's payment and contract term restrictions, including prohibitions on military allotments, prepayment penalties, and remotely created checks. The conversation closes with a discussion of the SCRA's anti-retaliation provision and why the prohibition on adverse treatment following a servicemember's invocation of SCRA rights has important implications for credit reporting, account servicing, and system design. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Hơn một tuần sau thắng lợi bầu cử của Abelardo de la Espriella tại Colombia (21/06/2026), đến lượt Keiko Fujimori, con gái của nhà độc tài Alberto Fujimori, được loan báo về đầu trong cuộc bầu cử tổng thống Peru ngày 07/06/2026. Chỉ trong vòng 18 tháng, các ứng cử viên liên minh hoặc liên kết với Donald Trump thắng cử tổng thống hay lập pháp tại bảy nước châu Mỹ La-tinh. Bước đột phá ngoạn mục của phe theo chủ nghĩa dân tộc – dân túy dường như đã mang đến cho Donald Trump một thắng lợi trong chính sách của ông tại khu vực. Sự dịch chuyển này đã bắt đầu từ năm 2019, với thắng lợi bầu cử của Nayib Bukele tại Salvador, rồi như một hiệu ứng đô-mi-nô, phe cực hữu trong những năm gần đây lần lượt giành thắng lợi trong các cuộc bầu cử lập pháp và tổng thống tại các nước Achentina, Bolivia, Chilê, Costa Rica, Ecuador, Honduras, Panama và gần đây nhất là Colombia và Peru. Tình trạng mất an ninh, bài di dân : Những điểm chung Sau « làn sóng mầu hồng » trong những năm đầu thập niên 2020, ngoại trừ Uruguay, hầu như toàn bộ các cuộc bầu cử ở khu vực châu Mỹ Latinh những năm gần đây đều có lợi cho cánh hữu hoặc các đảng cánh hữu cực đoan và tự do nhất. Bước đột phá bầu cử này, tuy bắt nguồn từ nhiều vấn đề quốc gia khác nhau nhưng theo quan sát của nhà chính trị học Gaspar Estrada, chuyên gia về Nam Bán Cầu, thuộc London School of Economics, vấn đề an ninh, chống các băng đảng tội phạm, di dân là những điểm chung trong các cuộc bầu cử gần đây. Trên làn sóng RFI Pháp ngữ, ông giải thích : « Trong những tháng gần đây, vấn đề mất an ninh đã trở thành mối bận tâm hàng đầu ở khu vực châu Mỹ Latinh, và hầu hết các cuộc thăm dò dư luận trong khu vực đều xác nhận xu hướng trên. Điều này trái ngược hoàn toàn với một thập kỷ trước, khi tham nhũng là một chủ đề nổi bật hơn nhiều trong không gian công luận và là chủ đề trọng tâm trong các chiến dịch tranh cử. » Anthony Pereira, một chuyên gia về nghiên cứu Châu Mỹ Latinh tại đại học Tulane ở Louisiana, chỉ ra rằng yếu tố đã dẫn đến sự sụp đổ của cánh tả tại Nam Mỹ là giá cả nguyên nhiên liệu. Trả lời kênh truyền hình France 24, ông giải thích : « Khi giá cả cao, người ta có thể thực hiện các chương trình viện trợ, tăng lương và cải thiện khả năng tiếp cận giáo dục. Số người sống trong nghèo đói giảm, và các phong trào tiến bộ giành được chỗ đứng trong khu vực. Nhưng khi không thể duy trì các chương trình này do giá cả giảm, thì sự lạc quan của những năm 2010 đã nhường chỗ cho sự thất vọng. Đồng thời, tội phạm có tổ chức ngày càng lớn mạnh và kiểm soát được toàn bộ các khu phố, thậm chí cả nhà tù. Và cử tri bắt đầu hưởng ứng nhiệt tình hơn đối với các ứng cử viên tự xưng là người chống lại giới cầm quyền. » Không chỉ đối với cánh tả, sự trỗi dậy của làn sóng « cánh hữu cứng rắn » còn phản ánh một cuộc khủng hoảng sâu sắc trong các chính đảng truyền thống mà Colombia là một ví dụ mới nhất, theo như phân tích của Mathilde Allain, chuyên gia về Nam Mỹ, giảng viên trường đại học Sorbonne Nouvelle, với France 24 : « Chúng ta đang chứng kiến sự sụp đổ của cánh hữu truyền thống Colombia, vốn không thể tìm được ứng cử viên nào xứng đáng. Lá phiếu dành cho Abelardo de la Espriella cũng là lá phiếu chống lại các chính đảng, chống lại giới tinh hoa và chống lại giới cầm quyền, như chúng ta đã thấy ở những nơi khác trên lục địa ». Một trong những chìa khóa thành công của « cánh hữu cứng rắn » nằm ở chiến lược truyền thông. Hoạt động tích cực trên mạng xã hội, những ứng cử viên này phần lớn bỏ qua các kênh chính trị truyền thống bằng cách tập trung vào giao tiếp trực tiếp, được cá nhân hóa và thường mang tính khiêu khích, cực đoan, như ủng hộ xu hướng vãn hồi trật tự bằng vũ lực, thậm chí bằng quân sự để chống các băng đảng tội phạm, chống di dân bất hợp pháp, được cho là nguồn cội làm gia tăng tội phạm, hay bài sinh thái, chống các quyền của giới LGBT… Donald Trump: Điểm kết nối lớn Tuy nhiên, giữa các ứng viên cực hữu này, còn một điểm chung khác quan trọng hơn : Tất cả đều chia sẻ các quan điểm, giá trị với nước Mỹ thời Donald Trump và đều được ông Trump hậu thuẫn ! Đối với nhiều nhà quan sát, thắng lợi bầu cử của Abelardo de la Espriella tại Colombia và bà Keiko Fujimori ở Peru khẳng định xu thế « Trump hóa » ở châu Mỹ, đặc biệt là Nam Mỹ, với một kiểu liên minh quốc tế các đảng cánh hữu cực đoan đang được hình thành để cùng giải quyết một số vấn đề. Thomas Posado, giảng viên về Văn minh châu Mỹ Latinh đương đại, trường đại học Rouen Normandie, trên trang Huffpost, phân tích : « Donald Trump chắc chắn là một trong những động lực thúc đẩy sự cực đoan hóa này. Đầu tháng 3 năm nay, ông đã triệu tập Liên minh "Lá chắn châu Mỹ", tập hợp tất cả các tổng thống cánh hữu và cực hữu của châu Mỹ Latinh, dẫn đến việc hình thành kiểu liên minh này, một liên minh trông giống như sự phục tùng hơn. Nói cách khác, họ đang cố gắng tận dụng thành công của Donald Trump. Họ đang cố gắng tận dụng triển vọng nhận được tài trợ từ Mỹ. » Quả thật Nhà Trắng đã có sự can thiệp về ngoại giao chưa từng có vào các cuộc bầu cử ở châu Mỹ Latinh. Ông Donald Trump không ngần ngại khoe khoang rằng những thành công bầu cử đạt được là nhờ sự ủng hộ của ông. Tuy nhiên, theo các nhà quan sát, Donald Trump có xu hướng sử dụng kiểu ngoại giao dọa dẫm, cứng rắn hơn là mềm mỏng với các nước Nam Mỹ. Tại Achentina, ông đặt điều kiện viện trợ của Mỹ phụ thuộc vào chiến thắng của Javier Milei trong cuộc bầu cử lập pháp năm 2025 và đã ký kết thỏa thuận thương mại với đồng cấp Achentina sau thắng lợi bầu cử. Nhưng thỏa thuận này chủ yếu mang lại lợi ích cho nông dân Mỹ tại thị trường Achentina. Nếu như liên minh này nhằm mục đích chống các băng đảng ma túy như được thể hiện tại kỳ họp thượng đỉnh « Lá chắn châu Mỹ », thì mục tiêu chính của ông Trump là Trung Quốc. Tại khu vực này, Bắc Kinh là đối tác thương mại hàng đầu và do vậy, nguyên thủ Mỹ đang nỗ lực hạn chế tầm ảnh hưởng này của Trung Quốc. Nước Mỹ của Donald Trump muốn giành lại chỗ đứng ở Nam Mỹ, và để đạt mục tiêu này, họ không ngần ngại sử dụng các biện pháp gây áp lực chính trị. Học thuyết Donroe có duy trì được liên minh ? Theo Thomas Posado, đây chính là điểm hạn chế của liên minh của Hoa Kỳ với các nhà lãnh đạo cực hữu Nam Mỹ. « Ví dụ, vấn đề Trung Quốc ngay từ đầu đã là một cái gai trong mắt phe cực hữu ở châu Mỹ Latinh. Khi vận động tranh cử, những người như Bolsonaro hay Milei đều tuyên bố, "Không bao giờ nữa, đó là chủ nghĩa cộng sản Trung Quốc, chúng ta sẽ không giao thương với họ." Nhưng khi lên cầm quyền, họ nhận ra rằng đã tồn tại những mạng lưới thương mại vận hành hiệu quả, các doanh nghiệp cần giao dịch với Trung Quốc và có những cơ hội mà Hoa Kỳ không thể mang lại. Vì vậy, chúng ta sẽ phải chờ xem Hoa Kỳ có thể đảo ngược những động lực quyền lực này hay không. Hiện tại, bất chấp mọi tuyên bố về ý chí chính trị từ các nhà lãnh đạo cực hữu, vẫn chưa có thay đổi đáng kể nào trên mặt trận này. » Học thuyết Donroe cũng vì thế mà ra đời. Trong nỗ lực giành lại ảnh hưởng, Donald Trump đã dùng lại học thuyết Monroe nhưng theo cách của ông. Học thuyết Monroe được đưa ra dưới thời tổng thống Theodore Roosevelt (1901-1909) nhằm loại trừ ảnh hưởng của châu Âu khỏi khu vực. Nhưng thay vì « giơ cao đánh khẽ » thì Donald Trump lại sử dụng biện pháp « đao to búa lớn » nhằm áp đặt thế bá quyền của Mỹ. Theo « học thuyết Donroe » mới này, châu Mỹ Latinh phải trở lại là « sân sau » của Mỹ, hiện đang tìm cách chiếm đoạt các nguồn tài nguyên chiến lược như những gì đã diễn ra ở Venezuela. Trả lời trang HuffPost, nhà nghiên cứu về châu Mỹ Latinh, Thomas Posado, lưu ý, chiến lược này của chính quyền Trump là con dao hai lưỡi : « Chúng ta đang chứng kiến một kiểu can thiệp quân sự được kỳ vọng sẽ bù đắp cho những điểm yếu về kinh tế. Canh bạc của Donald Trump khi quay trở lại một cách cưỡng ép với chủ nghĩa can thiệp của Mỹ có nguy cơ sẽ là một canh bạc tồi về lâu dài và thậm chí làm trầm trọng thêm đà suy giảm ảnh hưởng của Hoa Kỳ trong khu vực. Donald Trump rất có thể sử dụng vũ lực để buộc các nước Châu Mỹ Latinh phải giao thương với Mỹ, nhưng đó không phải là một kịch bản chắc chắn sẽ xảy ra ». Trong trước mắt, Donald Trump đang ghi điểm khi có thêm nhiều đồng minh mới ở châu Mỹ Latinh. Nhưng mối liên kết này với Washington không hẳn là vững chắc như cho thấy. Không những Trung Quốc vẫn tiếp tục mở rộng các hoạt động kinh tế trên lục địa này, mà người dân châu Mỹ Latinh không hẳn đều ủng hộ liên minh đó. Chuyên gia về Nam Mỹ Thomas Posado cảnh báo: Việc phải sống dưới áp lực và đe dọa nhiều hơn là lợi ích kinh tế, về lâu dài, sẽ khiến người dân Nam Mỹ bất mãn, và làm đổ vỡ mối liên minh này. Cuộc bầu cử tổng thống Brazil vào tháng 10/2026 sẽ là một phép thử quan trọng cho tương lai chính trị khu vực. Giới quan sát dự báo, đó sẽ là một cuộc đối đầu mạnh mẽ giữa một bên được cho là cánh tả đi theo đường lối của tổng thống đương nhiệm Lula Da Silva và bên kia là phe cực hữu, hiện diện đông đảo ở Brazil, ủng hộ cựu tổng thống Bolsonaro được Trump hậu thuẫn !
Host - Pat BellGuest - Kiel Giddens, MLA for Prince George-Mackenzie
"These are problems on the one hand. On the other hand, you can also turn it around and say: 'Okay, if that is a given, how would we have to organise it that it actually works better?'"Are you interested in finding the real problem of the urban fabric? What do you think about robustness vs antifragility? How can we improve our feedback loops in the building industry? Interview with Markus Appenzeller, Founder and Director of MLA+. We will talk about his vision for the future of cities, sequence for finding the real problems, urban evolution, rethinking cities, city regions, and many more. Markus Appenzeller advises governments and private clients on complex urban transformations, delivering integrated strategic advice that combines spatial planning, policy, law, economics, and governance. His unusual background in architecture, urbanism, law, and banking enables him to bridge the worlds of ministers and developers with ease. He serves as Chief Technical Adviser to the UNDP, where he leads the reform of Saudi Arabia's entire national planning system. Markus was Professor & Dean at leading design schools in Shenzhen and Amsterdam, and he is the Founder & Director of MLA+, a Fellow of the BMW Foundation Herbert Quandt, Board Member of ISOCARP, and author of The Daily Urban Dose.Find out more about Markus through these links:Markus Appenzeller on LinkedIn@markusappenzeller as Markus Appenzeller on InstagramThe Daily Urban Dose blogMLA+ websiteMLA+ on LinkedIn@mlaplus as MLA+ on InstagramISOCARP websiteConnected episodes you might interested in:No.420 - Interview with Josh Dorfman about solving a local problem having a global impactNo.430 - Interview with Alain Bertraud about the Greater Bay AreaNo.434 - Interview with Keith Cooke about housing affordability and capacityNo.443R - Enhancing resilient sustainable cities: public perspectives of urban resilient designWhat was the most interesting part for you? What questions did arise for you? Let me know on Twitter @WTF4Cities or on the wtf4cities.com website where the shownotes are also available.I hope this was an interesting episode for you and thanks for tuning in.Episode generated with Descript assistance (affiliate link).Music by Lesfm from Pixabay
Are you interested in finding the real problem of the urban fabric? What do you think about robustness vs antifragility? How can we improve our feedback loops in the building industry? Trailer for episode 444 - interview with Markus Appenzeller, Founder and Director of MLA+. We will talk about his vision for the future of cities, sequence for finding the real problems, urban evolution, rethinking cities, city regions, and many more.Find out more in the episode.Episode generated with Descript assistance (affiliate link).Music by Lesfm from Pixabay
With Treaty Chiefs having voted unanimously in a non-confidence vote in Danielle SMith's UCP, separatism on the rise and over racism towards First Nations only growing more bold, what can be done?We're extremely excited to present this conversation with First Nations Scholar and Associate Professor from the University of Alberta Dr. Matthew Wildcat, which not only gets into what First Nations can do to better address some of these issues, but also offers some critical insight into the history of Alberta and Canada that has brought us to this moment in time. To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
Are you interested in finding the real problem of the urban fabric? What do you think about robustness vs antifragility? How can we improve our feedback loops in the building industry? Trailer for episode 444 - interview with Markus Appenzeller, Founder and Director of MLA+. We will talk about his vision for the future of cities, sequence for finding the real problems, urban evolution, rethinking cities, city regions, and many more.Find out more in the episode.Episode generated with Descript assistance (affiliate link).Music by Lesfm from Pixabay
Are you interested in finding the real problem of the urban fabric? What do you think about robustness vs antifragility? How can we improve our feedback loops in the building industry? Trailer for episode 444 - interview with Markus Appenzeller, Founder and Director of MLA+. We will talk about his vision for the future of cities, sequence for finding the real problems, urban evolution, rethinking cities, city regions, and many more.Find out more in the episode.Episode generated with Descript assistance (affiliate link).Music by Lesfm from Pixabay
It's time to re-up this very, very special episode! Originally from June of 2025, this episode seems to have only become more relevant as Alberta has escalated tensions towards Treaty Chiefs and the province has been set careening to a separatism referendum by Danielle Smith and the UCP.With relations between the government of Alberta and First Nations at an arguable low with Treaty Chiefs expressing deep frustration and hurt from the way that the province is treating First Nations and the Treaties, we are extremely excited to present this extremely important conversation with Mi'kmaq poet Rebecca Thomas!We are extremely grateful to finally make this conversation a reality and it cuts to the core of what Canadian Identity is and what it could look like. For The Breakdown, this conversation is a love letter to Canada that is also based in accountability, and it cuts to the core of what Canadian Identity is and what it could look like. You are not going to want to miss the ending of this episode folks! To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
* மதிமுக எம்.எல்.ஏக்களை பதவி விலக முதல்வர் விஜய் சொல்ல வில்லை; நான் தான் சொன்னேன் - வைகோ பேட்டி - * பத்திரிகையாளரின் கேள்விக்கு பதிலளிக்காமல் வெளியே அனுப்பிய வைகோ?* “எம்.எல்.ஏ.க்கள் ராஜினாமா செய்வது அதிமுகவின் உட்கட்சி பிரச்னை.” - திருமாவளவன்* அதிமுகவில் அதிகாரம் இல்லாத பதவிகள்.. ஆலோசனை கூட்டத்தை புறக்கணிக்கும் மூத்த தலைவர்கள்!* "ரெடியா இருங்க CM சார்.. MR விஜயபாஸ்கருக்கு இனிமேல் தான்" புது புயலை கிளப்பிய RB உதயகுமார்* எம்.ஆர்.விஜயபாஸ்கர்: 'MLA பதவி ராஜினாமா' - `நாங்க வெயிட்டிங்' எனக் கொண்டாடிய கரூர் அ.தி.மு.க-வினர்!* "மாணிக்கம் தாகூர், பிரவீன் சக்ரவர்த்தி பேச்சை காங்., கேட்டிருந்தால் இந்நேரம்..." - விஸ்வநாதன் * "காங்கிரஸ் DNA இதுதான்" - மாணிக்கம் தாகூர்.* அரசு விழா பேனரில் பெயர் சர்ச்சை - ஒற்றுமையாக எடுத்துக்கொண்ட செல்பியை பகிர்ந்த அமைச்சர்கள்* அமைச்சர்கள் ஆதவ், நிர்மலுக்கு சபரீசன் நோட்டீஸ் ஏன்?* தவெக ஒன்றிய செயலர் தற்காலிக நீக்கம்.. ஏன்?* திருச்சி கிழக்கில் போட்டியில்லை - ராகவா லாரன்ஸ்* அப்போலோவில் சிகிச்சை பெறும் தயாளு அம்மாள்?* `கமிஷன் மோதலால் கட்சிக்கு அவப்பெயர்' - அறிவாலயத்தில் `மன்னிப்பு' கேட்ட வேலூர் மேயர், துணை மேயர்* பள்ளிப் பாடத்திட்டத்தை மாற்றியமைக்க புதிய குழு?* குரூப் 2, 2ஏ முதன்மைத் தேர்வு முடிவுகள் வெளியீடு* மதுபோதையில் ஒரே நாளில் மூவர் கல்லால் அடித்துக் கொலை - குமரியில் அதிர்ச்சி* ராமர் கோயில் நன்கொடை விவகாரம்.. என்ன முறைகேடு நடந்தது?* ராமருக்கு பாஜக துரோகம் செய்தது - அகிலேஷ் யாதவ்?* அனைத்து மாநிலங்களிலும் 50% மக்களை தொகுதி இடங்களை அதிகப்படுத்த முடிவு?* Japan: தோல்வியின் கண்ணீரிலும் கடமை தவறாத ஜப்பான் - மைதானத்தை சுத்தம் செய்து உலகை வென்ற ரசிகர்கள்!
Time for another Alberta Politics Roundup!We start with a bit of a follow up worm last weeks show before we get into yet another EMS policy shift from the UCP, a deep dive into the by-election candidates in Calgary, Smith's latest performance on Your Province, Your Premier before we end up with what could be another development in the "Corrupt Care" scandal!Plus we reveal another panelist for our July 25th live show in Edmonton!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
It's another Breakdown open mic night and we're talking healthcare, crisis comms, Calgary Mayor Jeromy Farkas and a whole lot more!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
In this second installment of the special series on servicemember protections, Chris Willis is joined again by colleagues Taylor Gess and Jeremy Sairsingh to explore how the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA) impose pricing restrictions that are far more complex than a standard state usury cap, and why that complexity must be accounted for at the product design stage. The discussion dives into the practical complexity of each statute's unique definition of interest. The team breaks down how the SCRA's 6% cap applies to pre-service obligations, which fees count toward that cap, and how the requirement to retroactively reduce and forgive, not defer, interest creates significant system-of-record challenges. They also explain how the MLA's Military Annual Percentage Rate (MAPR) differs from a traditional Truth in Lending Act/Regulation Z Annual Percentage Rate, what charges must be included in the MAPR calculation, and how the bona fide fee exception for CARD Act credit cards works in practice. The episode closes with a discussion of the SCRA's often-overlooked anti-acceleration provision and the regulatory expectation that servicemembers be given the option of a cash refund for forgiven interest rather than automatic principal reduction. Stay tuned for Part 3, which will cover non-pricing protections under these statutes. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
What is driving the rise of the BC Conservatives, and what does it mean for the future of British Columbia? In this episode, Gavin Dew, MLA for Kelowna-Mission and BC Conservative Critic for Jobs, Economic Development, Innovation & Artificial Intelligence, joins Coastal Front to discuss the state of BC politics, the provincial economy, and the growing Conservative movement. We explore party dynamics, the history of BC politics, and the key challenges facing the province today. Watch the full podcast here: https://youtu.be/2UuvrkimNW8
It's another Alberta Politics roundup, and between the last week's events and the absolutely bonkers layers surrounding them...Well, it's a pretty bonkers episode.Dani's war with First Nations heats up, there's some new developments for the referendum and also the "Corrupt Care" scandal. Plus it seems like a lot of the senior leadership in Smith's government are letting the mask slide because we saw a lot of open racism from multiple members of government this week!Plus we announce our fourth guest for our live show in Edmonton, Deputy NDP Leader Rakhi Pancholi!To get tickets to that July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
In today's edition of The Update Journal, we investigate whether the Knicks won a championship through defense, chemistry, clutch shot-making… or by accidentally turning the playoffs into a monastery with sneakers. If the rumors are true, New York may have borrowed from the Dodgers' apparent “no distractions, no problems” championship blueprint — which raises the terrifying possibility that abstinence has better postseason analytics than half the league's coaching staffs.Then, the vampire schedule starts biting back. Watching Interview With the Vampire one episode a week sounded responsible, mature, and emotionally safe — until The Vampire Lestat entries started piling up like unpaid bills with fangs. Now there's a sleepaway camp deadline, limited free time, questionable Wi-Fi, and the deeply unwise possibility of watching Claudia-related vampire trauma in the middle of the woods at night. Nothing says “summer programming strategy” like risking nightmares between bug spray and bunk inspections.And in The Last Word, we close with a reminder that being yourself matters — even when it's uncomfortable, even when people don't get it, and even when the world would rather you shrink, hide, or explain yourself in MLA format. Be yourself anyway. Loudly, honestly, and with just enough attitude to make the room adjust.In the headlines on #TheUpdate this Thursday, a teenage tourist was killed when a carriage horse he was riding in got startled and bolted in Central Park after the operator got out to take a photo of the passengers, cops and sources said. The tragedy is sure to reignite the long-standing push by activists and some lawmakers to ban horse carriages in the Big Apple.After decades waiting for justice, relatives of women murdered by New York's Gilgo Beach serial killer laid into him before he was sentenced to life in prison. He told them: “I am responsible” for the crimes.And Tropical Storm Arthur formed off the Texas coast as the first tropical storm of the season in the Atlantic basin, threatening a wide swath of the Gulf Coast with potentially dangerous flooding even as it was expected to quickly weaken.
சட்டமன்றத்தில் யாரை கலாய்த்தார்கள் திமுக எம்.எல்.ஏ-கள்?• கட்டான லைவ்... அமைச்சர் ராஜ்மோகன் சொல்வதென்ன? • "ரசிக மனப்பான்மையில் இருந்த பதர்களை எல்லாம் பண்பட்ட விதைகளாக மாற்றியிருக்கிறார்" - எம்.எல்.ஏ விஜய் சரவணன்.• "இந்த பக்கம் இருக்கும் எம்.எல்.ஏக்களுக்கு பேசத் தெரியாமல் இல்லை!" - அமைச்சர் ராஜ்மோகன் • சிவசங்கர் பிரஸ் மீட்டில் சொன்னதென்ன?• 7 எம்.எல்.ஏக்களுக்கு 5 பேருந்துகள்! - MLA ஸ்பெஷல் பஸ் நடைமுறை தேவையா?• சோபா மாடல்தான்... - அமைச்சர் வன்னிஅரசின் புது விளக்கம்!• முறிந்தது 60 ஆண்டுகால கூட்டணி... தவெக அணியில் இணைந்த ஐ.யூ.எம்.எல்!• திருச்சி கலெக்டர் சேரில் அமர்ந்து ரீல்ஸ் வெளியிட்ட வடமாநில இளைஞர் - உலா வரும் பரபர வீடியோ!• 14 கிரவுண்ட் நில மோசடி புகாரில் தி.மு.க எம்.பி மகன், கவுன்சிலர் மீது வழக்குப்பதிவு.• திருவாரூர்: அரசுப்பள்ளி வளாகத்தில் பிறந்தநாள் கொண்டாடிய தவெக நிர்வாகி! - வீடியோ வெளியாகி சர்ச்சை• வகுப்பறையில் தவெகவினர் ரீல்ஸ்.. முதல்வரே ஏற்றுக் கொள்ளமாட்டார் - அண்ணாமலை• அரசுப் பள்ளியில் பயின்று 440 மதிப்பெண்கள்; நீட் மறுதேர்வு பயத்தில் விபரீத முடிவெடுத்த சேலம் மாணவி?• நீட் தேர்வு எழுதும் மாணவருக்கு அபுதாபியில் தேர்வு மையம்!? * "போராட்டத்திற்கு தட்டு, கரண்டியோடு வாங்க!" - அபிஜீத் திப்கே அழைப்பு.• குடியரசுத் தலைவருக்கு முதல்வர் விஜய், பிரதமர் மோடி வாழ்த்து!• நாளை சர்வதேச யோகா தினம்!• `என்னுடன் போட்டோ எடுக்க கெஞ்சினார்' - ட்ரம்பின் பேச்சால் கொதித்த மெலோனி காட்டமான பதிலடி!• ட்ரம்ப் மீது ஒபாமா குற்றச்சாட்டு?• காசாவில் சராசரியாக நாளுக்கு ஒரு குழந்தையைக் கொல்லும் இஸ்ரேல்?
It's another open mic night at The Breakdown! We start with Nate answering as many of the chat questions as we can before we get into a very deep conversation on th enrapture and history of AISH/ADAP with caller Cassandra!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
Spencer sits down with Jen from Wives of the Armed Forces to talk about the real side of deployment no one prepares you for: how to build your support system, spend money without guilt, avoid resentment, and actually come out the other side stronger as a couple and a family. Topics Covered The Two Deployment Mindsets — Grind mode vs. survival mode, and how to figure out which one fits your season Giving Yourself 24 Hours — Why you need to sit in the hard feelings before jumping into action mode Buying Back Your Time — House cleaners, grocery delivery, nannies, and why paid help is sometimes the smartest financial decision you can make Combat Zone Tax Exclusion — How a deployment can increase take-home pay and where that extra money should go Per Diem Conversations — How to have the "how much of this is yours vs. ours" talk before resentment builds up The Slam Clicker Problem — Balancing crew culture and going out with budgeting as a team Leaning on Neighbors — Why asking for help actually builds stronger relationships, and how to get comfortable saying yes Reserve vs. Active Duty Deployment Differences — How the experience differs and how to tap into the broader civilian community for support On-Base Resources — MWR childcare hours for deployed families, on-base playgrounds, and the new children's museum at JBLM Give Parents a Break (GPAB) — $40/month per child in childcare support for families with a deployed service member SGLI and VRED — Making sure life insurance is maxed ($500K) and all documents are copied before departure TRICARE Changes on Activation — How Reserve TRICARE costs drop when a service member activates MLA Database & Credit Card Fee Waivers — Step-by-step: how to check eligibility and apply for annual fee waivers on Amex, Chase, Citi, US Bank, and Bank of America cards SCRA Benefits — How to get annual fees waived on cards opened before active duty, including the Capital One Venture X timing trick The Monthly Money Meeting — Ramit Sethi's approach to keeping finances connected across the distance Lifestyle Inflation — Why income level doesn't determine financial health, and the trap of spending expanding to match earnings Freezer Meal Strategy — How Jen prepped 32 meals for under $2.50 each to avoid convenience food spending during solo parenting Military Spouses as CFO — Reframing the home front role as a financial contribution, not just a sacrifice Resources & Tools Mentioned wivesofthearmedforces.com — Community, blog, and Instagram for military spouses; free deployment checklist available (search "Wives of the Armed Forces deployment checklist") Military OneSource — Benefits, counseling, and support resources for military families care.com — Vetted nanny and caregiver search; free or discounted for military families Walmart Plus — Grocery delivery; Amex Platinum travel credit can cover the membership Rocket Money — Budgeting and spending tracker (Jen's go-to for daily financial check-ins) MLA Database (DMDC) — Search "MLA database single record search" to check eligibility for credit card annual fee waivers militarymoneymanual.com/umc3 — Free Ultimate Military Credit Cards course covering MLA and SCRA fee waivers shop.militarymoneymanual.com — The Military Money Manual book (use code PODCAST for a discount) Books Mentioned Money for Couples by Ramit Sethi — How to have productive money conversations as a team; includes the monthly money meeting framework The Seven Principles for Making Marriage Work by John Gottman — Relationship exercises that work great done remotely during deployment Find Jen and the Wives of the Armed Forces community on Instagram and Facebook. Download their free deployment checklist at their website. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.
It's another live Alberta Politics Roundup and it's a big one!This week we're taking a look at the shut down of the disastrous EMS rebranding, unpacking what's happening with health inspectors, breaking down why the "Water Not Coal" petition likely won't see a ballot box for at least 2-3 years before we runravel the tangeled web over at The Western Standard!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
• "பாஜகவின் Xerox போல செயல்படுகிறார் முதல்வர் விஜய்" - மு.க.ஸ்டாலின். • நிரந்தரமாக இருப்பது திகவும்.. திமுகவும்தான்”- திமுக முன்னாள் அமைச்சர் கே.என்.நேரு • எதன் மூலம் தவெக வென்றதோ அதையே பயன்படுத்தி நாமும் வெல்வோம் - எடப்பாடி பழனிசாமி. • MLA பதவியை ராஜினாமா செய்த நால்வருக்கு நோட்டீஸ் அனுப்பிய சபாநாயகர்? • 'மின்வெட்டு ஏற்படுவதற்கு திமுகவே காரணம்' – அமைச்சர் செங்கோட்டையன் குற்றச்சாட்டு. • தவெகவில் இணைந்தார் முன்னாள் எம்.எல்.ஏ விஜயதரணி? • 50 பெண்களை ஆபாச வீடியோ எடுத்து மிரட்டிய தவெக பிரமுகர்.• கேரளாவை தொடர்ந்து தமிழகத்தில்.. 1 1/2 வயது குழந்தைக்கு நேர்ந்த கொடுமை! தாய் கைது! • "70 ஆண்டுகளில் ஒரு முறை கூட வைகை அணை தூர்வாரப்படவில்லை; 2 மாதங்களில் நடக்கும்" - நிர்மல் குமார். • மறைந்த மேஜர் முகுந்த் வரதராஜன் பெயரில் சாலை! • இந்தியாவின் உயரிய விருதை பெற்ற தமிழக ராணுவ வீரருக்கு உற்சாக வரவேற்பு! எதற்கு தெரியுமா? • மொத்தமாக எரிபொருள் வாங்குவோருக்கு கட்டுப்பாடு விதித்த மத்திய அரசு.• "திமுக நம்முடன் இணைந்து செயல்படும்; பினராயி விஜயனை என்னால் கட்டிப்பிடிக்க முடியாது" - ராகுல் காந்தி • மீனாட்சி நடராஜன் வழக்கு தள்ளுபடி? • 'அமைதி ஒப்பந்தத்தின் இறுதி வடிவம்' - அமெரிக்கா - ஈரான் பேச்சுவார்த்தை குறித்து பாகிஸ்தான் பிரதமர்! • ஹார்முஸ் நீரிணையை பயன்படுத்த சேவைக் கட்டணம் - ஈரான் வெளியுறவு அமைச்சர் அராக்சி அறிவிப்பு • உலகின் முதல் ட்ரில்லியனர் எலான் மஸ்க்?
In this kickoff episode of a special series on servicemember protections for The Consumer Finance Podcast, Chris Willis is joined by colleagues Taylor Gess and Jeremy Sairsingh to unpack the fundamentals of the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA) — two laws that remain top enforcement priorities for federal regulators. They explain how these laws are rooted in military readiness and national security, and why that history matters for how regulators, courts, and the Department of Justice view compliance in the consumer credit space today. The discussion walks through the core building blocks: what types of credit products each law covers, how the SCRA's timing- and remedy-focused framework works, and who qualifies as a "covered borrower" or protected servicemember or dependent under each law. The team highlights practical compliance challenges, including the safe harbors for covered-borrower checks under the MLA, the critical differences between MLA and SCRA status checks, and the risks around repossessions and foreclosures when SCRA protections apply to pre-service obligations. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Several homes across Belfast have been set on fire and a bus lit ablaze in protests after a man was charged with attempted murder following a serious incident in the north of the city on Monday night. Anton get the latest from James McCarthy, Political Reporter with Belfast Live and the Daily Mirror in Northern Ireland. Also Anton spoke to Deirdre Hargey, Sinn Féin MLA for South Belfast.
Hotel Pacifico was created by Air Quotes Media with support from our presenting sponsor TELUS, as well as FortisBC.Geoff and Mike welcome the 34th Premier of BC, Gordon Campbell, on the occasion of the 25th anniversary of his government taking power in 2001. His 'New Era' government ran the rockpile on Belleville Street for the next 16 years. Campbell reflects on some lessons learned, but not too much, as he weighs in on the politics and issues of today. In the Strategy Suite, Geoff and Mike ponder the first week of KLF, a new poll that teases out a centrist option, the disclosure of a Special Prosecutor and uncertain fate of an independent MLA, the political definition of success for FIFA, and, oligarch or no oligarch, always nice to get $40 million for a new medical school.
Claire Sugden is the only independent MLA in Stormont. Co-opted into the assembly for east Londonderry in 2014, she served as justice minister from May 2016 to March 2017. Widely considered a ‘liberal unionist', in May 2021 she turned down an invitation from Doug Beattie to join the UUP but she says she's no “soft unionist”. But under John Burrow's leadership, could she consider joining the party now? Can liberal Unionism be revived? And besides Unionism, what else does Claire believe in? And she tells the BelTel that she wants to continue as a politician but not “at the expense of my health anymore.” Claire Sugden joined Ciarán Dunbar. Hosted on Acast. See acast.com/privacy for more information.
It's our first open mic!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
U Sisku predani ključevi stanarima najveće do sada obnovljene zgrade stradale u potresima pred nekoliko godina, za čak 144 obitelji. Zbog korupcije na zatvorsku kaznu osuđen međimurski župan Matija Posavec. Mlađi partner u vladajućoj koaliciji – desničarski Domovinski pokret - bez konzultacija sa starijim partnerom HDZ-om - izišao s inicijativom o zasebnoj izbornoj jedinici za Hrvate u Bosni i Hercegovini. Premijer i predsjednik HDZ-a Andrej Plenković poručio im je da o takvim stvarima ubuduće šute. Ništa bolje kod Plenkovića nije prošao ni Milanovićev šef kabineta Orsat Miljenić, koji se usprotivio mogućem povećanju broja saborskih zastupnika iz dijaspore.
Alberta has a new minister of agriculture and irrigation, and she’s bringing decades of farm and farm policy experience to the role. Following a late May cabinet shuffle, Tara Sawyer, MLA for Olds-Didsbury-Three Hills, has been appointed minister, stepping into a portfolio she says feels more like a homecoming than a new assignment. In this... Read More
We're back with another roundup of the last week in Alberta Politics! We start with some of the major developments in the former AHS CEO Athana Mentzelopolous ongoing lawsuit and the implications now that two podcasters have been found to have engaged in criminal contempt of court!From there we take a look at the defunding of rural women's shelters and the latest in the UCP's gerrymandering of Alberta before we take a look at a dizzying week in Alberta separatism!To get tickets to our July 25th live show in Edmonton, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
Cabin Radio ain't the be-all, end-all. We've heard it many times. But it's been a while since we've heard it from an MLA...
With separatism sucking all the oxygen out of the room, we're refocusing on Alberta's health care crisis with ER physician Dr Paul Parks!Alberta has seen another tragic death in an Emergency Room waiting room, the government has distracted itself away from addressing the real healthcare issues facing the province and there's real concerns that Danielle Smith's impending separatism referendum will ultimately not only prevent badly needed healthcare workers from coming to Alberta, it may drive even more out!Dr Parks helps us unpack all of this and more!(And if you want to watch the video of Danielle SMith's plans for healthcare back in 2021, you can do that at https://youtu.be/25iXlzqGC2U?si=m0rw6909cHJE5942)To get tickets to our show in Edmonton on July 25th, visit www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
Former federal environment minister Stephen Guilbeault to resign as MP (1:03) Mackenzie Gray, Global News Ottawa correspondent All Things Auto: Hybrids are more popular, Ferrari's new EV isn't (15:00) Jeremy Cato, Automotive Journalist at CatoCarGuy.com Is Fraser Health severely underfunded by the province? (31:43) Misty Van Popta, B.C. Conservative infrastructure critic, and MLA for Langley - Walnut Grove Lower beef prices…at the expense of Canada's cattle farmers? (41:17) Tyler Fulton, President of the Canadian Cattle Association Did the City of Vancouver break the bank on FIFA World Cup tickets? (53:45) Bob Mackin, journalist at theBreaker.news Learn more about your ad choices. Visit megaphone.fm/adchoices
Misty Van Popta, B.C. Conservative infrastructure critic, and MLA for Langley - Walnut Grove Learn more about your ad choices. Visit megaphone.fm/adchoices
We're back with another live show and this one has a singular purpose!What the heck is going on with Alberta's new referendum on separatism and how the heck did we get here?We take a look at the history of separatism in Alberta before we work through the major events that led up to last week on a rollercoaster of a ride you not only miss, you'll want to share with your friends!Plus we announce some exciting new changes to the show's format, including a dedicated call in hour and OUR LIVE SHOW IN EDMONTON!And you can get your tickets at www.thebreakdownablive.ca!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
Prime Minister Mark Carney made a quick trip to B.C. this week, after several substantial meetings - and MOU signings - with Alberta Premier Danielle Smith. On today's episode, our political panel discusses where David Eby and B.C. fit into the pipeline discussion, how likely two MLA recall campaigns are likely to succeed, and why the Site C dam is now named after John Horgan - who once fought against it. The panel is: Elizabeth Cull (former NDP cabinet minister), Andrew Reeve (former press secretary and deputy director of communications with the BC Liberal and BC United parties), and Adam Olsen (former Green Party MLA and member of the Tsartlip Nation), in conversation with CBC host Gregor Craigie.
In this episode of Worker Agenda, AFL President Gil McGowan and Secretary Treasurer Cori Longo break down the growing momentum behind Alberta's May 29 Province-Wide Day of Protest, as workers and community members prepare to push back against what they call the Smith government's increasingly radical and undemocratic agenda. From concerns over government-led referendum questions and rising separatist rhetoric to the everyday pressures of affordability, health care, education, and workers' rights, this conversation dives into why organizers say Albertans are reaching a breaking point. McGowan and Longo explain why unions, frontline workers, and community advocates across the province are mobilizing, what's at stake for democracy in Alberta, and why they believe May 29 is only the beginning of a broader movement demanding accountability, affordability, and leadership focused on the real needs of working families. Follow the Worker Agenda at: https://workeragenda.ca/ Ask your MLA to make the Worker Agenda THE Agenda for the province https://workeragenda.ca/get-involved/ Follow AFL Media: https://www.youtube.com/@ABFedLabour/videos Follow AFL on Facebook: https://www.facebook.com/ABFedLabour Instagram: https://www.instagram.com/abfedlabour/ X (Twitter): https://x.com/ABFedLabour LinkedIn: https://www.linkedin.com/company/alberta-federation-of-labour/ Follow the AFL and sign up for AFL News: https://afl.org/
St. Johns River Lighthouse (Mayport Lighthouse Association) The St. Johns River Lighthouse is a decommissioned lighthouse located on the grounds of Naval Station Mayport in Jacksonville, Florida. First lighted in 1859, it was decommissioned in 1929 and replaced with a lightship. The lightship in turn was replaced by the 1954 Art Deco style St. Johns Lighthouse, which is also on Naval Station Mayport. The Mayport Lighthouse Association or MLA is a volunteer-driven nonprofit organization dedicated to saving and restoring St. Johns River Lighthouse, as well as safeguarding the cultural, historical, and maritime heritage of Mayport Village. Our guest, Elizabeth Boggs, is the vice president of the Mayport Lighthouse Association. Elizabeth was recently awarded a “Guiding Light” award for her volunteer work at the St. Augustine Lighthouse. Elizabeth Boggs (right) was recently awarded the “Guiding Light” Award for her volunteer service with the St. Augustine Lighthouse and Museum. Presenting the award is Caitlin Black, manager of volunteers at the St. Augustine Lighthouse & Museum. (Mayport Lighthouse Association)
In this episode of the Project Narrative Podcast, Jim Phelan and Jonathan Culler discuss Edith Wharton’s “Roman Fever,” which was first published in Liberty Magazine in 1934, and then included in her 1936 collection, The World Over. Jonathan Culler is the class of 1916 Professor Emeritus at Cornell University. Culler has been one of the most distinguished and productive literary and critical theorists of his generation. Among his 11 single-authored books are: the 1975 volume, Structuralist Poetics: Structuralism, Linguistics, and the Study of Literature, which won the MLA’s James Russell Lowell Prize for the best book by an MLA member in that year; the 1982 volume, On Deconstruction: Theory and Criticism After Structuralism, which lucidly explicated the then still emerging movement called deconstruction; and the 1997 book, Literary Theory: A Very Short Introduction, which has been translated into more than 25 languages. Throughout his career, Culler has conducted extended engagements with narrative, narrative theory, and lyric theory, and in 2015, he published Theory of the Lyric. Among Culler’s many recognitions are his elections to several distinguished scholarly groups, including: the American Academy of Arts and Sciences, 2001; the American Philosophical Society, 2006; and the British Academy, 2020. The International Society for the Study of Narrative has selected Culler as the winner of the Wayne C. Booth Lifetime Achievement Award for 2026.
Ep 598 - Conservative Party of BC Leadership Guest: Iain Black By Stuart McNish In an interview with Vancouver is Awesome in the lead-up to the 2025 federal election, Iain Black stated, “I thought my days as an MLA and Minister were behind me. But witnessing the decline of our community – due to rising affordability issues, increasing crime, and a relentless wave of overdose-related deaths – I could no longer stand idly by.” Despite coming up short in the April federal election for Coquitlam–Port Coquitlam, Black has retained his passion to answer the call for public service. Black's resume includes cabinet posts in the BC Liberal government of Gordon Campbell, serving as Minister of Labour, Minister of Small Business, Technology and Economic Development, and Minister of Labour and Citizen Services between 2005 and 2011. He left politics to take on the role of President and CEO of the Greater Vancouver Board of Trade. During the early days of the internet explosion in the 1990s, Black spent his professional career in the tech sector. He founded internet companies. Following his eight years at the helm of the Board of Trade, Black returned to the tech sector as President and CEO of Maximizer, a Concord Group company. We invited Iain Black to join us for a Conversation That Matters about his bid to win the leadership of the Conservative Party of BC. You can see the interview here https://www.conversationsthatmatter.ca/ Learn More about our guests career at careersthatmatter.ca
It's a special crossover episode between The Breakdown and Jeremy Appel's "The Orchard"! Originally recorded on May 6, 2026 on substack, we're excited to be able to bring the whole conversation to all of our platforms! In this chat, Nate and Jeremy cover the separatist data breach, the current NDP strategy against Smith and the UCP, the disassembly of democratic protections in Alberta, the future of journalism and...Aaron Sorkin?If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
1182. This week, we solve the mystery of the colon: when do you actually need to capitalize the next word? We compare AP, Chicago, and MLA styles to give you a clear answer. Then, we look at common words with surprisingly "shadowy" histories — from the sudden appearance of the word "dog" to the apocryphal origin of "quiz."The words with no origins segment was written by Karen Lunde. Find her on igofirst.org.
Welcome to episode 8.20, a conversation with AFL President Gil McGowan and it's a no holds barred chat on the plan that organized labour has for a day of action on May 29th to push back against the UCP. But we don't just talk about that day of action...This conversation includes Gil's explanation for what happened to the General Strike that Albertans were told to expect in the aftermath of the UCP stripping teachers of their charter rights with the use of the Notwithstanding Clause and we ask the hard question, what are Gil and others willing to put on the line to stand up to the UCP. And the answer will probably surprise you!If you're able to support our legal defense fund to fight back against the $6 Million lawsuit against us by Sam Mraiche, the man who imported Vanch masks and the Turkish Tylenot as well as who hosted MLA's and Ministers in his skybox as he had business with the government...You can do that at www.savethebreakdownab.ca!As always, if you appreciate the kind of content that we're trying to produce here at The Breakdown, please consider signing up as a monthly supporter at our Patreon site at www.patreon.com/thebreakdownab and we can now accept e-transfers at info@thebreakdownab.ca!If you're looking for our new merch lineup, you can find that at www.thebreakdownabmerch.comIf you're listening to the audio version of our podcast, please consider leaving us a review and a rating, and don't forget to like and follow us on Substack, Bluesky, Facebook, Twitter, Instagram and Threads!#abpoli #ableg #cdnpoli
In today's episode of Karma Stories, we are diving into some top tier Malicious Compliance. What happens when a boss demands nobody touch the expired price tags without his personal approval? Or when a physics professor insists on MLA citations for absolutely everything on a simple homework assignment? From micromanaging managers getting buried in their own useless task lists to an army pilot following bad coordinates exactly to the letter, these stories prove that sometimes, doing exactly what you are told is the absolute best revenge. Sit back, relax, and let's jump right in!