Podcasts about mli

We are in a moment of heightened focus on Canadian national identity.Ever since Donald Trump threatened to annex Canada, many Canadians have responded with the assertion that Canadian identity is unique from the United States.But this national mood comes only a few years after a campaign of tearing down statues of Canada's seminal historic figures, and then-prime minister Justin Trudeau calling Canada a “post-national state.” Most recently, a so-called prank show with funding from the CBC targeted Canadians who have defended the legacy of Canada's founding prime minister, Sir John A. Macdonald.So, is the wave of Canadian patriotism that's played out over the past year grounded in a firm understanding of the history – both good and bad – that has shaped the country? This a moment when Canadians would benefit from knowing the historic roots of their democracy and the stories of figures like Macdonald who helped build a nation on the northern half of the continent.One voice who has consistently stood up for the idea that Canadians should have a robust and balanced view of their past is Trent University history professor Christopher Dummitt.Dummitt joins Inside Policy Talks to discuss his efforts to reach beyond the classroom with his new Canadian history YouTube channel – titled Well... That Didn't Suck! – and share his views on the current state of Canadians' relationship with their history.On the podcast, he tells Ian Campbell, digital editor at MLI, that one source of Canada's amnesia about its cultural and democratic roots is the deliberate erasure of Canadian national symbols that took place in the 1960s. This was most famously exemplified by the new Canadian flag created by the Pearson government, devoid of any reference to Canada's British heritage – the very roots that gave Canada its parliamentary democracy.Dummitt says the toppling of historic statues that has taken place in the 2020s is “in a sense just a continuation of what happened in the 1960s and 1970s.”Part of the solution, says Dummitt, is to restore provincial history curriculums that teach a cohesive Canadian national story.

Treasury yields are edging higher as U.S.-Iran military exchanges rattle markets and inflation expectations climb, creating a challenging environment for fixed income investors. We decode what's driving yield movement right now and whether bond investors should be repositioning for a higher-for-longer world.Today's Stocks & Topics: Tenet Healthcare Corporation (THC), Market Wrap, Phibro Animal Health Corporation (PAHC), Mueller Industries, Inc. (MLI), Is the 10-Year Treasury Yield About to Break Out? What Rising Rates Mean for Bonds and Borrowing, Janus Henderson AAA CLO ETF (JAAA), Barrett Business Services, Inc. (BBSI), The IPO Market, Dividend Reinvestment, Vanguard Mid-Cap Index Fund ETF Shares (VO). Our Next Wealth Webinar: “Beyond the Yield: How to Invest for Your Income Needs” June 30th, 2026 - 12:00 pmTo sign up: https://us06web.zoom.us/webinar/register/5717793889555/WN_XuoDgMVwSv6wZXXurrZTLgOur Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Chilipad and use my code sleep.me/INVEST for a great deal: https://sleep.me* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Progressive: https://www.progressive.com* Check out Quince and use my code quince.com/invest for a great deal: https://www.quince.com* Check out Scribe and use my code scribe.how/invest for a great deal: https://scribe.com* Check out TaskRabbit and use my code INVEST for a great deal: https://taskrabbit.com* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

This week, we present a special bonus episode: a live conversation between author Rob Henderson, who famously coined the term luxury beliefs, and MLI Managing Director Brian Lee Crowley.The event was recorded in April 2026 before a live audience in Vancouver, as part of MLI's Voices That Inspire speaker series.In their conversation, Crowley and Henderson discuss the formative childhood experiences that led the author to his ideas about elite hypocrisy, Crowley asks whether discrediting the value of intact families is an example of a luxury belief, and Henderson reveals his views on the future of reading.

The West offers the “ideal environment” for an organization like the Muslim Brotherhood to carry out its operations “because we are extremely tolerant,” says Lorenzo Vidino, an expert on the Islamist organization.The Muslim Brotherhood has inspired or spawned some of the world's most dangerous terrorist organizations. Yet its goals, strategy, structure, and financing remain poorly understood – even by many of the world's leading national security and intelligence agencies.The Brotherhood's long-term goal is the Islamification of society. The West's tolerance offers fertile grounds for its activities to remain unchecked – creating a national security blind spot within Western democracies.One of the world's leading experts on the Brotherhood, Vidino is director of the Program on Extremism at The George Washington University. He joins Inside Policy Talks to share his research on the Brotherhood conducted over the past 25 years.“In the West, they could operate freely,” explains Vidino. “They can fundraise, they can open mosques, they can disseminate the propaganda, they can carry out all the social, religious, and political activities and fundraising activities.”On the podcast, he explains in detail to Casey Babb, director of The Promised Land at MLI, how the Brotherhood carries out activities like raising revenues.He says this involves a combination of receiving money from the Middle East, conducting ventures like real estate businesses in the West, and obtaining funds directly from unsuspecting Western governments.“It's the ability of Brotherhood networks to receive grants, donations from governments at all levels,” says Vidino.“It's not like the applicant would be an organization called Muslim Brotherhood of Montreal. It would be some group with a nice sounding name about integration and friendship and interfaith,” he says. “With a bit of naïveté in most cases … policymakers – often second-tier bureaucrats – would give the funding.”

Courts have become central players in some of Canada's biggest political and moral debates – especially since the advent of the Charter of Rights and Freedoms.That's raised hard questions about their role, what accountability mechanisms exist, and how Canadians understand the place of the judicial branch within their system of government.Like any other institution, courts depend on public trust which must be earned and sustained.McMaster University political science professor Andrea Lawlor has been tracking how Canadians perceive this institution. She joins Inside Policy Talks to discuss her findings.Lawlor's research, conducted with Acadia University's Erin Crandall, finds that Canadians still generally trust the courts, but this confidence has shown signs of decline, and it appears attitudes are becoming more politicized.On the podcast, Lawlor tells Peter Copeland, deputy director of domestic policy at MLI, that her research found little shift in how Canadians on the political left perceive the courts. However, she has observed a moderate decline in support from those on the right – particularly tied to court decisions on moral issues like medical assistance in dying.However, Lawlor says there is one type of court ruling that tends to register a public reaction across the political spectrum: criminal sentencing.“Those tend to uniformly push public opinion,” says Lawlor. “I think there was some consensus across the political spectrum that Canadians were dissatisfied … and they certainly wanted the legislature to step in.”

Our culture tells parents that “you can do it all” – but that's “a very dangerous narrative” and “a narcissistic trope,” says social worker and parenting coach Erica Komisar.Is it time for our culture to grapple with a hard truth: life requires setting priorities and making trade-offs between items like career and family, rather than trying to have it all at once?Modern societies invest a great deal of resources into children. But often it comes in the form of trends like helicopter parenting, bulldozer parenting, or intensive parenting. Are these short bursts of anxious, structured engagement what children really need? Or do we use these to paper over the gaps our modern culture has left in traditional family and social structures?Our economies and social norms prize autonomy, flexibility, and paid work. Meanwhile, many parents feel more stretched and isolated than ever, and the social networks they inhabit feel thin.To discuss these challenges, Komisar joins Inside Policy Talks. Komisar is a clinical social worker trained in psychology, and an author whose work argues that the first years of childhood are foundational for attachment, mental health, and later resilience.On the podcast, she tells Peter Copeland, deputy director of domestic policy at MLI, that “it's a narcissistic trope that you can do it all, that you don't have to take anything off the plate, that you don't have to sacrifice anything, that you can have everything and do everything all at the same time.”She says that messaging sets up internal conflict for parents, especially mothers, when they face choices around whether to stay home with their toddlers or return to work. She says deep down many mothers would rather stay home, and the pressure to return to a career sets up internal conflicts leading to health problems or even resentment towards the child. For example, she points to the growing trend of women posting online that they regret becoming mothers.“When you reject your own children and mothering, we know that we've taken a turn in society,” says Komisar.

Sports betting, online gambling, and now prediction markets are becoming harder to avoid. What was once confined to casinos or occasional wagers is now built into our phones, advertised on sports broadcasts, and increasingly our wider digital economy.This raises bigger questions about the impact of markets. Should markets always follow demand, even when it involves a social harm, letting choice prevail and government coffers swell with the proceeds? Or should we look to the total economic and social impact – like indebtedness, bankruptcy, addiction and mental illness – for a sense of how to approach issues like the demand for gambling?In Ontario, research has found a sharp rise in gambling-related helpline contacts among young men since the province expanded private online gambling, and reporting has also pointed to a major rise in gambling-linked insolvencies. In the United States, new research has linked legalized online sports betting to worsening consumer financial outcomes, including lower credit scores and higher rates of delinquency and bankruptcy.To discuss this growing problem, Keldon Bester joins Inside Policy Talks. Bester is the executive director of the Canadian Anti-Monopoly Project and a fellow at the Centre for International Governance Innovation. He's one of Canada's leading voices on monopoly power, competition, and the broader question of how markets should be structured to serve the common good.On the podcast, he tells Peter Copeland, deputy director of domestic policy at MLI, that the onslaught of marketing geared towards promoting online gambling comes on the heels of society having spent more than a decade figuring out: “how can I make someone spend as much time on their phone as possible?”He says introducing gambling into the mix makes that an even more dangerous experiment.“The fact that every 10 minutes you get a notification that says, ‘Hey, place a free micro bet on the outcome of the Jays game might in isolation be fine, but in sort of aggregate [might] be something we don't want to become a much bigger part of our economy,” says Bester.

Last month, a major constitutional showdown took place before the Supreme Court of Canada. Over four days of hearings, the court heard from a record number of interveners in quite possibly the biggest and most consequential case since the Charter was adopted in 1982.In the wake of these hearings, the justices will now deliberate on Hak v Quebec. It's a case that addresses the scope of rights and their limits, whether the Notwithstanding Clause is subject to any restrictions beyond proper application, and the balance of power between courts and legislatures.Many are tempted to view this case through the lens of the law that's at issue: Quebec's controversial Bill 21, and whether it is right or wrong. But the stakes are far greater.This case is really a question of who decides what the law means, how it is interpreted, and ultimately changed. However the court rules, the decision will shape Canadian politics for years to come.At MLI, this is central to our Judicial Foundations Project, where we examine how courts, legislatures, and constitutional principles interact in Canada's parliamentary democracy. These cases raise fundamental questions about whether that balance is being maintained, or fundamentally altered.To discuss the Supreme Court hearings and what's at stake in the outcome, three leading experts join Inside Policy Talks.Yuan Yi Zhu is a professor of International Law at Leiden University whose work focuses on constitutionalism, public law, and the limits of judicial power. He is a member of MLI's Judicial Foundations Project.Xavier Foccroulle Ménard is a lawyer with Stikeman Elliott, and a legal scholar specializing in constitutional law, rights adjudication, and the theory of the Charter.And François Côté is a lawyer with Droits Collectifs Québec, an organization which is directly involved in the case as an intervener.On the podcast, they discuss with Peter Copeland, deputy director of domestic policy at MLI, the key factors at play in this case and how they connect to Canada's growing culture of judicial activism.

Ngày 17/02/2026, Việt Nam bị Liên Hiệp Châu Âu đưa vào “danh sách đen” thuế. Quyết định này có thể khiến chi phí đầu tư từ các doanh nghiệp châu Âu gia tăng. Tuy nhiên, tác động lâu dài tới quan hệ kinh tế Việt Nam - Liên Âu sẽ được hạn chế nếu Hà Nội cải thiện minh bạch và cơ chế trao đổi thông tin thuế. Việt Nam cũng khẳng định đã bổ sung nhiều văn bản quy phạm pháp luật trong lĩnh vực thuế, tài chính, quản trị doanh nghiệp. Tại sao Việt Nam lại bị đưa vào “danh sách đen” về thuế của Liên Âu, hiện có 10 nước, chủ yếu nằm ở vùng Caribê, Thái Bình Dương và cả Nga ? Danh sách được cập nhật hai lần một năm. Lần sửa đổi tiếp theo dự kiến ​​vào tháng 10/2026. Việt Nam cần có những biện pháp gì để có thể được rút ra khỏi danh sách trong lần cập nhất tới ? Nhà nghiên cứu-giảng viên Sébastien Laffitte, Đại học Cergy Paris (CY Cergy Paris Université), chuyên gia về thuế quốc tế, thuế doanh nghiệp và các thiên đường thuế, kiêm thành viên của Tổ chức Quan sát Thuế Châu Âu (EU Tax Observatory), trả lời một số câu hỏi của RFI Tiếng Việt. RFI : Tháng 02/2026, Việt Nam bị đưa vào danh sách “thiên đường thuế” của Liên Hiệp Châu Âu. Dựa vào nhưng tiêu chí nào Liên Hiệp Châu Âu đưa một nước vào danh sách này ? Sébastien Laffitte : Có lẽ trước hết cần nói rõ rằng danh sách của Liên Hiệp Châu Âu không hoàn toàn là danh sách “thiên đường thuế”, mà đúng hơn là danh sách các quốc gia không hợp tác với Liên Hiệp Châu Âu trong các vấn đề liên quan đến thuế. Sự khác biệt chính nằm ở chỗ danh sách này chủ yếu là một công cụ ngoại giao kinh tế mà Liên Hiệp Châu Âu sử dụng để đàm phán với các nước thứ ba, nhằm thúc đẩy họ điều chỉnh chính sách thuế theo một hướng nhất định. Nếu các quốc gia đó không tuân thủ các tiêu chí của Liên Hiệp Châu Âu, họ có thể phải đối mặt với các biện pháp trừng phạt. Tất cả những điều này nhằm thúc đẩy một mô hình quản trị thuế minh bạch và hiệu quả hơn. Đọc thêmLiên Âu hy vọng Việt Nam thực hiện triệt để cải cách hành chính để gia tăng hấp dẫn đối với đầu tư châu Âu Danh sách này được thiết lập từ năm 2017 và hiện bao gồm 10 quốc gia. Các quốc gia nằm trong “danh sách đen” thường là những hòn đảo nhỏ ở vùng biển Caribê hoặc Thái Bình Dương. Tuy nhiên, trong danh sách này cũng có những quốc gia lớn hơn, chẳng hạn như Nga, và gần đây nhất là Việt Nam. Các tiêu chí được sử dụng để xác định việc đưa một quốc gia vào “danh sách đen” bao gồm mức độ minh bạch về thuế, tính công bằng của hệ thống thuế - tức là không tồn tại các cơ chế thuế khuyến khích hành vi trốn thuế một cách rõ ràng - cũng như việc triển khai các biện pháp chống trốn thuế. Trong số các tiêu chí này có một yêu cầu quan trọng liên quan đến việc quốc gia đó phải tuân thủ các tiêu chuẩn về trao đổi thông tin thuế theo yêu cầu của các nước khác. Chính dựa trên tiêu chí này mà Việt Nam bị đưa vào “danh sách đen” của Liên Hiệp Châu Âu, đặc biệt do còn thiếu các biện pháp bảo vệ tính bảo mật của thông tin, cũng như do thời gian mà cơ quan thuế Việt Nam cần để cung cấp thông tin thuế theo yêu cầu từ các nước thứ ba. Vì vậy, việc Việt Nam gần đây bị đưa vào danh sách này chủ yếu xuất phát từ vấn đề minh bạch thuế. RFI : Vậy quốc gia bị nhắm đến, ví dụ trong trường hợp này là Việt Nam, sẽ phải đối mặt với những hậu quả như thế nào ? Sébastien Laffitte : Cụ thể, Ủy Ban Châu Âu yêu cầu các quốc gia thành viên Liên Hiệp Châu Âu áp dụng một loạt biện pháp trừng phạt đối với những quốc gia nằm trong danh sách các nước không hợp tác về thuế. Ngoài ra, các nước thành viên cũng có thể triển khai những biện pháp trừng phạt riêng trong khuôn khổ luật pháp quốc gia của họ. Trước hết, một số biện pháp tối thiểu sẽ được áp dụng chung, sau đó từng quốc gia thành viên có quyền lựa chọn và thực hiện các biện pháp bổ sung mà họ cho là phù hợp. Đọc thêmEU-Việt Nam vượt bão thuế quan Mỹ qua Hiệp định Thương mại Tự do EVFTA ? Nhìn chung, các biện pháp này nhằm tăng cường tính minh bạch và mức độ cảnh giác đối với các quốc gia nằm trong “danh sách đen”. Trước hết, một số quỹ viện trợ phát triển của Liên Hiệp Châu Âu sẽ không được phân bổ cho các quốc gia trong danh sách này. Thứ hai, các nước thành viên được yêu cầu áp dụng các biện pháp hành chính, bao gồm việc giám sát chặt chẽ hơn các giao dịch của công dân châu Âu - chẳng hạn như công dân Pháp - với các quốc gia trong “danh sách đen”, cũng như tăng cường kiểm toán thuế đối với các thực thể, tức là cá nhân hoặc doanh nghiệp, có liên hệ với những quốc gia này. Bên cạnh đó, các quốc gia thành viên Liên Âu cũng được khuyến nghị áp dụng các biện pháp lập pháp nhằm chống trốn thuế, chẳng hạn như khấu trừ thuế tại nguồn hoặc áp dụng các khoản thuế bổ sung đối với các giao dịch tài chính với những nước trong danh sách, trong đó có Việt Nam. Tóm lại, việc bị đưa vào danh sách này đồng nghĩa với việc phải đối mặt với một loạt biện pháp trừng phạt kinh tế do các quốc gia thuộc Liên Hiệp Châu Âu áp đặt. RFI : Giữa Liên Hiệp Châu Âu và Việt Nam có Hiệp định Thương mại Tự do (EVFTA), có hiệu lực từ ngày 01/08/2020 và hiệp định bảo hộ đầu tư vẫn đang chờ được các nước Liên Âu phê chuẩn. Việc nằm trong “danh sách đen” sẽ tác động như thế nào đến các nhà đầu tư nước ngoài, đặc biệt là các nhà đầu tư châu Âu, tại Việt Nam ? Sébastien Laffitte : Đây là một câu hỏi quan trọng. Mục đích của các biện pháp này là khiến các thực thể đến từ Liên Hiệp Châu Âu - đặc biệt là các doanh nghiệp đầu tư vào Việt Nam - phải tuân thủ những quy định bổ sung, từ đó làm gia tăng chi phí khi đầu tư vào Việt Nam. Đó cũng chính là mục tiêu mà Liên Hiệp Châu Âu hướng tới. Thông qua “danh sách đen”, cùng với hiệu ứng “chỉ đích danh và lên án” (name and shame), Liên Âu gây sức ép để buộc các quốc gia bị xem là có chính sách thuế thiếu hợp tác hoặc cạnh tranh thuế quá mức phải điều chỉnh chính sách của họ để xóa bỏ hình ảnh tiêu cực này. Đồng thời, các biện pháp trừng phạt cũng nhắm tới các cá nhân và doanh nghiệp hoạt động tại những quốc gia đó nhằm hạn chế các hành vi cạnh tranh thuế gay gắt. Đọc thêmLuật sư Pháp và châu Âu tư vấn cho Việt Nam về EVFTA Tuy nhiên, Việt Nam là một nền kinh tế đang phát triển và không bị đưa vào danh sách vì các hành vi trốn thuế bất chính, mà chủ yếu do những vấn đề liên quan đến việc trao đổi thông tin thuế. Vì vậy, theo quan điểm của tôi, nhiều khả năng Việt Nam sẽ nhanh chóng khắc phục tình hình. Đây cũng là điều mà các đại diện của Việt Nam đã khẳng định trong các thông cáo báo chí được đưa ra sau thông báo của Liên Hiệp Châu Âu. Trong bối cảnh đó, những tác động tiêu cực có thể sẽ được hạn chế. Theo tôi, quan hệ kinh tế với Việt Nam nhiều khả năng sẽ không bị ảnh hưởng đáng kể, đặc biệt vì Việt Nam có vị thế kinh tế và cơ cấu rất khác so với phần lớn các nước còn lại trong danh sách - ngoại trừ Nga - vốn chủ yếu là những quốc đảo nhỏ ở khu vực Thái Bình Dương hoặc Caribê. Cuối cùng, theo quan điểm của tôi, “danh sách đen” của Liên Hiệp Châu Âu về các “thiên đường thuế” nên tập trung nhiều hơn vào những tiêu chí cụ thể liên quan đến nguy cơ trốn thuế và cạnh tranh thuế gay gắt, như tôi đã đề xuất trong các nghiên cứu của mình. RFI : Như ông vừa đề cập, một trong những tác động đầu tiên của các biện pháp trừng phạt là làm gia tăng chi phí đầu tư. Cụ thể, điều này có nghĩa là gì ? Sébastien Laffitte : Nói một cách đơn giản, khi một nhà đầu tư nước ngoài - chẳng hạn từ Pháp - đầu tư vào Việt Nam, giữa hai bên sẽ phát sinh nhiều giao dịch tài chính và kinh doanh. Khi một quốc gia bị đưa vào “danh sách đen”, các biện pháp trừng phạt có thể được áp dụng đối với những giao dịch này. Chẳng hạn, các cơ quan thuế có thể áp dụng các khoản thuế bổ sung đối với những giao dịch giữa chi nhánh hoặc công ty con của doanh nghiệp tại Việt Nam và công ty mẹ tại Pháp. Những biện pháp mang tính chất trừng phạt thuế như vậy sẽ làm gia tăng chi phí liên quan đến các hoạt động đầu tư và kinh doanh vào Việt Nam. Do đó, về tổng thể, việc một quốc gia nằm trong “danh sách đen” có thể khiến chi phí đầu tư vào quốc gia đó tăng lên. Đọc thêmViệt Nam và Liên Hiệp Châu Âu nâng quan hệ ngoại giao lên mức cao nhất RFI : Vậy Việt Nam nên làm thế nào để thoát khỏi danh sách này ? Sébastien Laffitte : Như tôi đã đề cập, danh sách này thực chất là một công cụ ngoại giao kinh tế của Bruxelles. Trên thực tế, Liên Hiệp Châu Âu luôn duy trì liên lạc với các quốc gia liên quan, cả trước khi họ bị đưa vào “danh sách đen”, trong thời gian họ nằm trong danh sách, cũng như trong quá trình xem xét việc đưa họ ra khỏi danh sách. Vì vậy, chắc chắn tồn tại các kênh trao đổi giữa chính quyền châu Âu và Việt Nam. Thông qua các cuộc đối thoại này, các quan chức Liên Hiệp Châu Âu có thể giải thích cho phía Việt Nam những tiêu chí và điều kiện cần thiết để được gỡ tên khỏi danh sách. Để được xóa khỏi “danh sách đen”, Việt Nam cần cải thiện chất lượng của cơ chế trao đổi thông tin thuế theo yêu cầu từ các quốc gia khác. Như đã nói, chính những hạn chế trong lĩnh vực này là lý do chủ yếu khiến Việt Nam bị đưa vào danh sách. Vì vậy, nếu Việt Nam tăng cường các biện pháp bảo đảm tính bảo mật của thông tin, đồng thời cải thiện chất lượng và tốc độ chia sẻ dữ liệu thuế, Việt Nam sẽ đáp ứng tốt hơn các tiêu chí đánh giá và từ đó có khả năng được đưa ra khỏi “danh sách đen”. RFI Tiếng Việt xin chân thành cảm nhà nghiên cứu-giảng viên Sébastien Lafitte, Đại học Cergy Paris, thành viên của Tổ chức Quan sát thuế Châu Âu (EU Tax Observatory).

Ngày 17/02/2026, Việt Nam bị Liên Hiệp Châu Âu đưa vào “danh sách đen” thuế. Quyết định này có thể khiến chi phí đầu tư từ các doanh nghiệp châu Âu gia tăng. Tuy nhiên, tác động lâu dài tới quan hệ kinh tế Việt Nam - Liên Âu sẽ được hạn chế nếu Hà Nội cải thiện minh bạch và cơ chế trao đổi thông tin thuế. Việt Nam cũng khẳng định đã bổ sung nhiều văn bản quy phạm pháp luật trong lĩnh vực thuế, tài chính, quản trị doanh nghiệp. Tại sao Việt Nam lại bị đưa vào “danh sách đen” về thuế của Liên Âu, hiện có 10 nước, chủ yếu nằm ở vùng Caribê, Thái Bình Dương và cả Nga ? Danh sách được cập nhật hai lần một năm. Lần sửa đổi tiếp theo dự kiến ​​vào tháng 10/2026. Việt Nam cần có những biện pháp gì để có thể được rút ra khỏi danh sách trong lần cập nhất tới ? Nhà nghiên cứu-giảng viên Sébastien Laffitte, Đại học Cergy Paris (CY Cergy Paris Université), chuyên gia về thuế quốc tế, thuế doanh nghiệp và các thiên đường thuế, kiêm thành viên của Tổ chức Quan sát Thuế Châu Âu (EU Tax Observatory), trả lời một số câu hỏi của RFI Tiếng Việt. RFI : Tháng 02/2026, Việt Nam bị đưa vào danh sách “thiên đường thuế” của Liên Hiệp Châu Âu. Dựa vào nhưng tiêu chí nào Liên Hiệp Châu Âu đưa một nước vào danh sách này ? Sébastien Laffitte : Có lẽ trước hết cần nói rõ rằng danh sách của Liên Hiệp Châu Âu không hoàn toàn là danh sách “thiên đường thuế”, mà đúng hơn là danh sách các quốc gia không hợp tác với Liên Hiệp Châu Âu trong các vấn đề liên quan đến thuế. Sự khác biệt chính nằm ở chỗ danh sách này chủ yếu là một công cụ ngoại giao kinh tế mà Liên Hiệp Châu Âu sử dụng để đàm phán với các nước thứ ba, nhằm thúc đẩy họ điều chỉnh chính sách thuế theo một hướng nhất định. Nếu các quốc gia đó không tuân thủ các tiêu chí của Liên Hiệp Châu Âu, họ có thể phải đối mặt với các biện pháp trừng phạt. Tất cả những điều này nhằm thúc đẩy một mô hình quản trị thuế minh bạch và hiệu quả hơn. Đọc thêmLiên Âu hy vọng Việt Nam thực hiện triệt để cải cách hành chính để gia tăng hấp dẫn đối với đầu tư châu Âu Danh sách này được thiết lập từ năm 2017 và hiện bao gồm 10 quốc gia. Các quốc gia nằm trong “danh sách đen” thường là những hòn đảo nhỏ ở vùng biển Caribê hoặc Thái Bình Dương. Tuy nhiên, trong danh sách này cũng có những quốc gia lớn hơn, chẳng hạn như Nga, và gần đây nhất là Việt Nam. Các tiêu chí được sử dụng để xác định việc đưa một quốc gia vào “danh sách đen” bao gồm mức độ minh bạch về thuế, tính công bằng của hệ thống thuế - tức là không tồn tại các cơ chế thuế khuyến khích hành vi trốn thuế một cách rõ ràng - cũng như việc triển khai các biện pháp chống trốn thuế. Trong số các tiêu chí này có một yêu cầu quan trọng liên quan đến việc quốc gia đó phải tuân thủ các tiêu chuẩn về trao đổi thông tin thuế theo yêu cầu của các nước khác. Chính dựa trên tiêu chí này mà Việt Nam bị đưa vào “danh sách đen” của Liên Hiệp Châu Âu, đặc biệt do còn thiếu các biện pháp bảo vệ tính bảo mật của thông tin, cũng như do thời gian mà cơ quan thuế Việt Nam cần để cung cấp thông tin thuế theo yêu cầu từ các nước thứ ba. Vì vậy, việc Việt Nam gần đây bị đưa vào danh sách này chủ yếu xuất phát từ vấn đề minh bạch thuế. RFI : Vậy quốc gia bị nhắm đến, ví dụ trong trường hợp này là Việt Nam, sẽ phải đối mặt với những hậu quả như thế nào ? Sébastien Laffitte : Cụ thể, Ủy Ban Châu Âu yêu cầu các quốc gia thành viên Liên Hiệp Châu Âu áp dụng một loạt biện pháp trừng phạt đối với những quốc gia nằm trong danh sách các nước không hợp tác về thuế. Ngoài ra, các nước thành viên cũng có thể triển khai những biện pháp trừng phạt riêng trong khuôn khổ luật pháp quốc gia của họ. Trước hết, một số biện pháp tối thiểu sẽ được áp dụng chung, sau đó từng quốc gia thành viên có quyền lựa chọn và thực hiện các biện pháp bổ sung mà họ cho là phù hợp. Đọc thêmEU-Việt Nam vượt bão thuế quan Mỹ qua Hiệp định Thương mại Tự do EVFTA ? Nhìn chung, các biện pháp này nhằm tăng cường tính minh bạch và mức độ cảnh giác đối với các quốc gia nằm trong “danh sách đen”. Trước hết, một số quỹ viện trợ phát triển của Liên Hiệp Châu Âu sẽ không được phân bổ cho các quốc gia trong danh sách này. Thứ hai, các nước thành viên được yêu cầu áp dụng các biện pháp hành chính, bao gồm việc giám sát chặt chẽ hơn các giao dịch của công dân châu Âu - chẳng hạn như công dân Pháp - với các quốc gia trong “danh sách đen”, cũng như tăng cường kiểm toán thuế đối với các thực thể, tức là cá nhân hoặc doanh nghiệp, có liên hệ với những quốc gia này. Bên cạnh đó, các quốc gia thành viên Liên Âu cũng được khuyến nghị áp dụng các biện pháp lập pháp nhằm chống trốn thuế, chẳng hạn như khấu trừ thuế tại nguồn hoặc áp dụng các khoản thuế bổ sung đối với các giao dịch tài chính với những nước trong danh sách, trong đó có Việt Nam. Tóm lại, việc bị đưa vào danh sách này đồng nghĩa với việc phải đối mặt với một loạt biện pháp trừng phạt kinh tế do các quốc gia thuộc Liên Hiệp Châu Âu áp đặt. RFI : Giữa Liên Hiệp Châu Âu và Việt Nam có Hiệp định Thương mại Tự do (EVFTA), có hiệu lực từ ngày 01/08/2020 và hiệp định bảo hộ đầu tư vẫn đang chờ được các nước Liên Âu phê chuẩn. Việc nằm trong “danh sách đen” sẽ tác động như thế nào đến các nhà đầu tư nước ngoài, đặc biệt là các nhà đầu tư châu Âu, tại Việt Nam ? Sébastien Laffitte : Đây là một câu hỏi quan trọng. Mục đích của các biện pháp này là khiến các thực thể đến từ Liên Hiệp Châu Âu - đặc biệt là các doanh nghiệp đầu tư vào Việt Nam - phải tuân thủ những quy định bổ sung, từ đó làm gia tăng chi phí khi đầu tư vào Việt Nam. Đó cũng chính là mục tiêu mà Liên Hiệp Châu Âu hướng tới. Thông qua “danh sách đen”, cùng với hiệu ứng “chỉ đích danh và lên án” (name and shame), Liên Âu gây sức ép để buộc các quốc gia bị xem là có chính sách thuế thiếu hợp tác hoặc cạnh tranh thuế quá mức phải điều chỉnh chính sách của họ để xóa bỏ hình ảnh tiêu cực này. Đồng thời, các biện pháp trừng phạt cũng nhắm tới các cá nhân và doanh nghiệp hoạt động tại những quốc gia đó nhằm hạn chế các hành vi cạnh tranh thuế gay gắt. Đọc thêmLuật sư Pháp và châu Âu tư vấn cho Việt Nam về EVFTA Tuy nhiên, Việt Nam là một nền kinh tế đang phát triển và không bị đưa vào danh sách vì các hành vi trốn thuế bất chính, mà chủ yếu do những vấn đề liên quan đến việc trao đổi thông tin thuế. Vì vậy, theo quan điểm của tôi, nhiều khả năng Việt Nam sẽ nhanh chóng khắc phục tình hình. Đây cũng là điều mà các đại diện của Việt Nam đã khẳng định trong các thông cáo báo chí được đưa ra sau thông báo của Liên Hiệp Châu Âu. Trong bối cảnh đó, những tác động tiêu cực có thể sẽ được hạn chế. Theo tôi, quan hệ kinh tế với Việt Nam nhiều khả năng sẽ không bị ảnh hưởng đáng kể, đặc biệt vì Việt Nam có vị thế kinh tế và cơ cấu rất khác so với phần lớn các nước còn lại trong danh sách - ngoại trừ Nga - vốn chủ yếu là những quốc đảo nhỏ ở khu vực Thái Bình Dương hoặc Caribê. Cuối cùng, theo quan điểm của tôi, “danh sách đen” của Liên Hiệp Châu Âu về các “thiên đường thuế” nên tập trung nhiều hơn vào những tiêu chí cụ thể liên quan đến nguy cơ trốn thuế và cạnh tranh thuế gay gắt, như tôi đã đề xuất trong các nghiên cứu của mình. RFI : Như ông vừa đề cập, một trong những tác động đầu tiên của các biện pháp trừng phạt là làm gia tăng chi phí đầu tư. Cụ thể, điều này có nghĩa là gì ? Sébastien Laffitte : Nói một cách đơn giản, khi một nhà đầu tư nước ngoài - chẳng hạn từ Pháp - đầu tư vào Việt Nam, giữa hai bên sẽ phát sinh nhiều giao dịch tài chính và kinh doanh. Khi một quốc gia bị đưa vào “danh sách đen”, các biện pháp trừng phạt có thể được áp dụng đối với những giao dịch này. Chẳng hạn, các cơ quan thuế có thể áp dụng các khoản thuế bổ sung đối với những giao dịch giữa chi nhánh hoặc công ty con của doanh nghiệp tại Việt Nam và công ty mẹ tại Pháp. Những biện pháp mang tính chất trừng phạt thuế như vậy sẽ làm gia tăng chi phí liên quan đến các hoạt động đầu tư và kinh doanh vào Việt Nam. Do đó, về tổng thể, việc một quốc gia nằm trong “danh sách đen” có thể khiến chi phí đầu tư vào quốc gia đó tăng lên. Đọc thêmViệt Nam và Liên Hiệp Châu Âu nâng quan hệ ngoại giao lên mức cao nhất RFI : Vậy Việt Nam nên làm thế nào để thoát khỏi danh sách này ? Sébastien Laffitte : Như tôi đã đề cập, danh sách này thực chất là một công cụ ngoại giao kinh tế của Bruxelles. Trên thực tế, Liên Hiệp Châu Âu luôn duy trì liên lạc với các quốc gia liên quan, cả trước khi họ bị đưa vào “danh sách đen”, trong thời gian họ nằm trong danh sách, cũng như trong quá trình xem xét việc đưa họ ra khỏi danh sách. Vì vậy, chắc chắn tồn tại các kênh trao đổi giữa chính quyền châu Âu và Việt Nam. Thông qua các cuộc đối thoại này, các quan chức Liên Hiệp Châu Âu có thể giải thích cho phía Việt Nam những tiêu chí và điều kiện cần thiết để được gỡ tên khỏi danh sách. Để được xóa khỏi “danh sách đen”, Việt Nam cần cải thiện chất lượng của cơ chế trao đổi thông tin thuế theo yêu cầu từ các quốc gia khác. Như đã nói, chính những hạn chế trong lĩnh vực này là lý do chủ yếu khiến Việt Nam bị đưa vào danh sách. Vì vậy, nếu Việt Nam tăng cường các biện pháp bảo đảm tính bảo mật của thông tin, đồng thời cải thiện chất lượng và tốc độ chia sẻ dữ liệu thuế, Việt Nam sẽ đáp ứng tốt hơn các tiêu chí đánh giá và từ đó có khả năng được đưa ra khỏi “danh sách đen”. RFI Tiếng Việt xin chân thành cảm nhà nghiên cứu-giảng viên Sébastien Lafitte, Đại học Cergy Paris, thành viên của Tổ chức Quan sát thuế Châu Âu (EU Tax Observatory).

The FDA's approval of a higher-dose Wegovy marks Novo Nordisk's aggressive push to reclaim market share in the exploding weight loss drug sector. Pharmaceutical investors are watching closely as competition intensifies in what could become a trillion-dollar market.Today's Stocks & Topics: Berkshire Hathaway Inc. (BRK.B), Market Wrap, Snap Inc. (SNAP), Caterpillar Inc. (CAT), Weight Loss Drug Stocks: Biotech Breakthrough or Market Bubble?, CDW Corporation (CDW), Petrochemical Companies, Lumen Technologies, Inc. (LUMN), Mortgage Rates, Mueller Industries, Inc. (MLI), Fertilizer Market.Introducing our Third Annual InvestTalk Market Madness! Join the mayhem before May 18th at 11:59 pm PST for the chance to win $1,500! Fill out your bracket below: https://kppfinancial.com/investtalk-madnessOur Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Pebl: https://hipebl.ai* Check out Progressive: https://progressive.com* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

As Canada continues its decade-long slide in the UN's global happiness rankings, there's growing questions about whether policymakers are even using the right metrics to measure the indicators of living a good life.Across the developed world, there's a similar, troubling pattern. The 2026 UN World Happiness Report, released earlier this month, suggests pronounced declines, particularly in Anglosphere countries. That includes Canada, which dropped to 25th spot in the rankings, while the United States sits at 23rd.These findings come despite a general rise in material prosperity. While the UN survey moves beyond looking strictly at GDP, some organizations are calling for an even broader view.To discuss this, Brendan Case, associate director for research at Harvard's Human Flourishing Program, joins Inside Policy Talks. Case has been closely involved in shaping Harvard's Global Flourish Study, a major international effort to better understand well-being across countries, cultures, and life stages. The study seeks to move beyond narrow economic measures of happiness.On the podcast, he tells Peter Copeland, deputy director of domestic policy at MLI, that GDP is “an extremely coarse measure” even when it comes to looking at material wealth, and falls far short on capturing other kinds of well-being.He says the UN survey also has its limits.“I think that they have genuinely helped in moving the conversation beyond just a narrow fixation on ‘how can we generate more income?'” says Case. However, his team has been engaged in a “friendly debate” with the UN report's editors on the best alternative mechanisms.Case notes that the UN metrics ultimately come down to respondents giving a subjective assessment of how satisfied they are with their lives, while the Harvard study looks at a several concrete measures, like health, as determinants of respondents' well-being.

Across the country, law and medical schools have adopted identity-based admissions criteria in the name of equity. But very little data has been available on how those policies work. New research from MLI is changing that. In a new paper on DEI and admissions in Canadian law and medical schools, researcher David Wand requested admissions data from 18 law schools and 14 medical schools. Only six law schools and eight medical schools agreed to share their data. Wand then compared applicants' standardized test scores – such as the LSAT and MCAT – against actual admissions outcomes. To discuss his findings, Wand joins Inside Policy Talks. On the podcast, he tells Peter Copeland, deputy director of domestic policy at MLI, that race is a key factor in the admissions process, raising, he argues, serious questions about meritocracy. Based on these findings, he argues there is a better way forward and calls on provincial governments to ban race from the admissions process. “The ultimate goal here is to ban it and follow the lead of other multiracial democratic countries that also are concerned about historical disadvantages experienced by certain racial groups,” says Wand. He points to Scandinavian countries as an alternative model, noting that they do not consider race in admissions but instead support disadvantaged students earlier in the process through programs aimed at improving academic performance.

As the United States tightens its blockade to cut off oil from Cuba's communist regime, some are calling for Canada to step in with aid. These events come at a moment of rapidly shifting geopolitics around the world. Yet Canada's approach to Cuba remains strikingly unchanged. For decades, Ottawa has treated Cuba with kid gloves, applying a softer touch than it does with other authoritarian regimes. Yet Cuba is a strategic actor embedded in an emerging authoritarian alignment that includes Russia, China, and Venezuela. So the question is: in a world increasingly defined by strategic competition and authoritarian coordination, can Canada continue to treat Cuba as an exception? And if not – what are the implications for Canada's foreign policy, global credibility, and national security? To share their deep understanding of the conditions in Cuba – and how the communist regime factors into the global security context – Sarah Teich and Michael Lima join Inside Policy Talks. Teich is an international human rights lawyer, a senior fellow at the Macdonald-Laurier Institute, and co-founder and president of Human Rights Action Group. Lima is a researcher and director of Democratic Spaces, an NGO advocating for Canadian solidarity with Cuban civil society. He's a leading voice on Cuba's role in authoritarian coordination across Latin America. Together, they are co-authors (along with Isabelle Terranova) of a newly published MLI commentary: Canada's Cuba Blind Spot. On the podcast, they tell Christopher Coates, director of foreign policy, national defence, and national security at MLI, that Canada's current approach to Cuba serves neither Canadians nor Cubans. Teich describes the “collaboration” that takes place between Cuba and other authoritarian regimes like the Chinese and Russian governments, and how Canada leaves itself vulnerable to this bloc by not levying sanctions across the board. “It creates very clear gaps for the entire authoritarian block to exploit … and they do so very effectively,” says Teich. “Canada's failure to address Cuba's human rights abuses and authoritarian links is not only a moral failing, but a strategic one.” Lima adds that the humanitarian crisis in Cuba is “manufactured” by its government, and any strategy to aid the Cuban people must account for this reality. “We have to see that the Cuban people are like those that are kidnapped,” he says. “The ultimate goal is that those kidnapped are free.”

Markets are driven by math, but investors are driven by emotion. We will explore the most common psychological biases—like loss aversion and herd mentality—that destroy wealth and how to automate your strategy to avoid them.Today's Stocks & Topics: Microsoft Corporation (MSFT), Market Wrap, American Electric Power Company, Inc. (AEP), The Southern Company (SO), KPP Newsletter, Behavioral Finance: Your Brain vs. Your Portfolio, Devon Energy Corporation (DVN), Principal SAM Conservative Growth A (SAGPX), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, Meta Platforms, Inc. (META), Copper, Ally Financial Inc. (ALLY), Mueller Industries, Inc. (MLI).Our Sponsors:* Check out Anthropic: https://claude.ai/invest* Check out Pebl: https://hipebl.ai* Check out Quince: https://quince.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

There's a growing debate in Canada about balancing the relationship between courts and legislatures.For nearly four decades, one Supreme Court ruling has loomed large in shaping an aspect of this debate: how conflicts between rights – and their limitations – are determined in Canada.That case – R v Oakes, decided in 1986 – gave Canadian jurisprudence the famous “Oakes test,” which courts still use to assess whether limits on Charter rights are justified.The test is widely cited. But critics argue it's become confusing, unpredictable, and undermines the historic power legislatures are meant to share in the construction of rights.That's why a new paper published by the Macdonald-Laurier Institute – titled Renovating Oakes: Why Section 1 Justifies Reasonable Limits and Not Infringements on Charter Rights – says the Oakes test is in need of a “renovation.”The authors of that paper, Gerard Kennedy and Geoffrey Sigalet, joined Inside Policy Talks to make that case.Gerard Kennedy is an associate professor and associate dean at the University of Alberta's Faculty of Law. He's also a constitutional lawyer with extensive experience in public law and Charter litigation.Geoffrey Sigalet is an associate professor of political science at the University of British Columbia and director of the UBC Research Group for Constitutional Law.On the podcast, they tell Mark Mancini, an MLI senior fellow and assistant professor at Thompson Rivers University Faculty of Law, that when it comes to the Oakes test, courts have drifted away from the Charter's original logic.“People are not skeptical enough about what happens in courts, and they are extremely skeptical about what happens in legislatures,” says Sigalet. “And I don't think that they're wrong sometimes about the legislatures. I just think we should be applying our skepticism a bit more evenly.”

Shubhi Sachan is a multi-disciplinary designer and the founder of Material Library of India. The New Delhi-based library was the first of its type in India and acts as a research and design consultancy committed to unlocking the potential of industrial and agricultural waste – of which India, a country with a population of over 1.4 billion people, has plenty.Over the years, MLI has worked with brands and organisations such as IKEA and the British Council, as well as presenting work and ideas across the globe, including at last year's Material Matters London where it reimagined cotton as a climate-adaptive, culturally rich material.In this episode Shubhi discusses: setting up MLI in 2017; why she decided to tackle waste in the first instance; India's relationship with textiles and ‘waste colonialism'; the importance of the ‘rebirth' of industrial materials; how natural materials can look after themselves; her recent project on cotton and why the crop needs to be re-thought; opening a thrift store where textiles are the currency; refusing to reject capitalism; curating seeds for IKEA; creating streetwear from rejected condoms; studying in England; becoming a successful surface designer; and why her family have questioned her career choices.Support the show

Canada's economic future increasingly hinges on a deceptively simple question: how free is trade within Canada itself?For decades, economists and policymakers have warned that Canada's internal market—fragmented by duplicative rules, sector-specific carve-outs, and a thicket of provincial exceptions—acts as a drag on growth and competitiveness. Even the Canadian Free Trade Agreement, heralded as a breakthrough, is riddled with loopholes.To dig deeper, Inside Policy Talks brings together legal scholar Paul Daly and MLI senior fellow Mark Mancini for a conversation with Peter Copeland, MLI's deputy director of domestic policy.Daly explains the central irony: removing regulatory barriers requires a mechanism with real authority to do it. Without a body empowered by both Parliament and the provinces, “what you're going to get is what we have, which is a mosaic of different provisions.” Canada needs a national coordinating agency with the power to set standards, enforce mutual recognition, harmonize where necessary, and “raise [barriers] to the ground,” as Daly puts it. Mancini agrees, stressing that skepticism toward new agencies is understandable—but the status quo simply cannot solve the problem. This wouldn't be “an agency for the sake of an agency,” but an institution designed to tackle a precise challenge: the inability of governments to coordinate regulatory reform on their own. With nationwide buy-in, such a body could finally move Canada beyond one-off bilateral deals toward a genuinely integrated economic union. Together, Daly and Mancini make the case that fixing Canada's internal trade system is not a technocratic curiosity—it's a national economic imperative.

Across Canada, some of the most heated disputes – from housing restrictions to Indigenous land claims – turn on this question: how secure are Canadians' property rights?The answer may surprise you. Canada is one of the only developed democracies where property rights have no constitutional protection. That gap has real consequences. It can lead to family farms shuttered by regulation, homeowners caught in civil forfeiture, or even recent court decisions like Cowichan Tribes v. Canada which upended long-held assumptions about ownership itself.To unpack these issues, University of New Brunswick law professor Paul Warchuk joins Inside Policy Talks. Warchuk is the author of a powerful new MLI paper on property rights in Canada, titled Beyond patchwork protection: Towards comprehensive property rights in Canadian law. In it, he traces the philosophical and legal evolution of property from early philosophers up to the Charter era. He argues that property is not only a private entitlement but a public trust that safeguards liberty and prosperity alike.On the podcast, Warchuk tells Peter Copeland, deputy director of domestic policy at MLI, that “there is a lot of resistance to property rights,” perhaps stemming from the fact that not all Canadians believe these rights serve and protect them.He added that while most Canadians feel their property rights are secure, the situation is “precarious” because despite some basic protections “it's very easy for government to override them.”“If you find yourself in the circumstance of one of the unlucky few that is affected in this way,” says Warchuk, “your perspective would change completely, and you'd feel a little bit more of the injustice.”

Canada faces a growing array of national security threats—from foreign interference networks to money laundering operations and organized crime groups exploiting modern digital tools. Yet many of our laws designed to protect Canadians were written for a different era. As hostile actors adapt faster than our institutions, gaps in Canada's legal framework have become opportunities for adversaries to operate with alarming ease.What should Canadians understand about the risks created by outdated security legislation? And how should policymakers balance the need for lawful access to electronic data with the privacy protections guaranteed under the Charter?To break down these complex challenges, Dr. John Gilmour joins Inside Policy Talks. A senior fellow at the Macdonald-Laurier Institute, Gilmour is an expert in terrorism, counterterrorism, and intelligence. He has served in the security and intelligence branch of the Privy Council Office, worked with CSIS, and now teaches at the University of Ottawa's Professional Development Institute and Carleton University's Norman Paterson School of International Affairs.On the podcast, he tells Christopher Coates, MLI's Director of Foreign Policy, National Defence, and National Security, that Canada is now “in a race it cannot afford to lose.” Criminal syndicates and foreign adversaries are exploiting digital communications at a speed that far outstrips current investigative powers. Without modernized tools—such as those proposed in Bill C-2—Canadian authorities risk being permanently outpaced.

We will examine why ultra-long loans may lower payments but slow equity-building and raise lifetime interest costs, and what that means for housing affordability. Today's Stocks & Topics: Silver, Market Wrap, The Procter & Gamble Company (PG), 50-Year Mortgages: Quick Fix or Costly Mistake?, Mueller Industries, Inc. (MLI), SPDR Portfolio S&P 600 Small Cap ETF (SPSM), U.S. Insurance Companies, iShares Gold Trust (IAU), Leggett & Platt, Incorporated (LEG), SPDR S&P 500 ETF (SPY), Oil and Gas Demand.Our Sponsors:* Check out Gusto: https://gusto.com/investtalk* Check out Invest529: https://www.invest529.com* Check out Progressive: https://www.progressive.com* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

We will have practical estate-planning strategies for transferring property to children while keeping tax, timing, and family-dynamics in focus. Today's Stocks & Topics: Fundamental Analysis, Market Wrap, Mueller Industries, Inc. (MLI), Passing the Property Torch: Smart Ways to Leave Real Estate to Your Kids, F5 Inc. (FFIV), Entry Point, Reaction After A Year Of Trump's Election, OppFi Inc. (OPFI), Barclays PLC (BCS), The Trade Desk, Inc. (TTD), Perusahaan Perseroan (Persero) PT Telekomunikasi Indonesia Tbk (TLK), A-I and Earnings.Our Sponsors:* Check out Gusto: https://gusto.com/investtalk* Check out Invest529: https://www.invest529.com* Check out Progressive: https://www.progressive.com* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

It's been more than 10 months since Canadians got a close look at the federal finances in last fall's economic statement. At that time, they learned the deficit for the 2023–24 fiscal year had ballooned by over 50 per cent.Now, as the Carney government prepares to table its first fiscal blueprint, there's talk once again of rising spending and soaring deficits. A recent Desjardins forecast estimated the deficit for the current fiscal year could exceed $70 billion. That's a more than 65 per cent increase from what was forecast in Fall Economic Statement 2024. This news comes amid government promises for “generational investments” but also a request to ministers to find “ambitious savings.”So, what should Canadians be watching for in the November budget? And, more importantly, as billions of dollars continue to flow from federal coffers, are parliamentarians well positioned to give this spending the scrutiny they're meant to deliver on behalf of Canadians under our Westminster system?To discuss this, former parliamentary budget officer Yves Giroux joins Inside Policy Talks. Giroux served seven years as PBO, finishing his term just last month.On the podcast, he tells Ian Campbell, digital editor at MLI, that it's less important which fiscal anchor the government chooses, but simply that it picks one and sticks to it over a period of time. With many forecasts predicting that Ottawa is set to drop yet another one of its fiscal anchors – this time, a declining debt-to-GDP ratio – Giroux says this "erodes the confidence of financial markets in the seriousness or the control that the government has over its own finances."Campbell and Giroux also discussed a number of long-standing issues with the federal fiscal cycle that make it difficult for parliamentarians to exercise a high degree of scrutiny over government spending. Giroux said with only two people in Ottawa holding real sway over what ends up in the budget – the prime minister and finance minister – it's vital to make improvements to the fiscal cycle so parliamentarians can exercise a greater degree of oversight in this process.

Rare diseases affect only a small number of Canadians, but a lack of adequate testing and treatment reveals some of the key weaknesses in our health care system.These illnesses – which affect about one in 12 Canadians – raise hard questions about health care costs, access, and fairness, and test how well Canada's fragmented health governance systems can adapt to new challenges.For a closer look at Canadian rare disease policy, Macdonald-Laurier Institute Senior Fellow John Adams joins Inside Policy Talks. Adams is a management consultant and one of Canada's leading advocates for patients with rare diseases. Adams is the co-founder of CanPKU and chair of the Best Medicines Coalition, which represents millions of Canadian patients. His personal journey as a parent and caregiver for his son, who has a rare disease, has left Adams with unique insights on drug access, rare disease policy, and health care reform.On the podcast, he tells host Shawn Whatley, a physician and senior fellow at MLI, that one of the key steps Canada could take to better serve patients with rare diseases is passing an orphan drug law like the one that exists in the United States. These laws incentivize the development of new drugs for rare diseases that are otherwise unprofitable due to small patient populations.

Adrian shares how his team scaled to 515+ doors through joint ventures, why Ontario's tenant landscape pushed him to reconsider heavy value-add plays, and how CMHC's up to 95% loan-to-cost and 50-year amortization on new construction changed the math. He walks us through a typical project on a 60' x 200' lot: demolish a bungalow, pour slab-on-grade, wood-frame 3-storey / 10-unit (all 2-bed/2-bath ~900 sq ft), above-ground parking, and no elevators—to keep timelines tight and avoid site plan approval where possible. We dig into timelines (about 4–4.5 months to permits; ~18 months build), MLI energy efficiency + affordability point targets, tranche funding with a quantity surveyor, 5- vs 10-year terms, and why Adrian still prefers 5-year to give JV partners flexibility at refi or disposition.   - Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/

We live in a time of mounting cultural confusion. Social roles are in flux. Technology fragments our attention. And the idea of human nature itself is up for debate.Beneath our daily political debates lies a deeper crisis: a broken picture of the basic elements of the world and our place in it.Are we just collections of small parts, infinitely malleable and divisible – ‘meat lego', as our guest would call it – ready to be arranged and rearranged through technology in the pursuit of individual aims, and all aspects of life commodified in the pursuit? Or, are we more embodied and interdependent than we like to think?Until we grapple with some basic questions about the worldviews animating our lives – like how we see the role of individuals and their connections and responsibilities to the broader society – many of our most important political debates—from gender to productivity, family to freedom—will keep missing the mark.To offer her perspective on these issues, Mary Harrington joins Inside Policy Talks. Harrington is a columnist at UnHerd and the author of Feminism Against Progress. She's one of the most incisive voices challenging core aspects of the dominant modern western worldview – from its assumptions about autonomy and equality, to its blind spots around embodiment, gender, and the limits of technology.On the podcast, she tells Peter Copeland, deputy director of domestic policy at MLI, that despite the fact that most women become mothers, woman are told that "the core sort of desiderata of feminism are a set of aspirations which ... conceptually exclude this whole domain of experience." She said that led her to "questioning the idea of liberal individualism," including "the feminist difficulties with it" and "how well it fits with being a physically embodied person."

Multiculturalism has been a policy and a political ideal for over 50 years in Canada. It's shaped our immigration system, institutions, and the way Canadians see themselves.Yet its meaning has shifted dramatically since then-prime minister Pierre Trudeau introduced it. It began as a national unity strategy. But for many, it's become a slogan about diversity for its own sake. That's left us divided about what it means to be Canadian.The stakes are high. Immigration, national identity, and multiculturalism affect social cohesion, political stability, and our capacity to share a common civic culture. These aren't just matters for an academic debate. They're at the heart of Canada's future.To dig into this, Geoff Russ and Michael Bonner join Inside Policy Talks. Russ is a journalist whose recent writing for the Macdonald-Laurier Institute examines how Canadian history, symbols, and traditions shape who we are today. Bonner is a historian, former Ontario government policy director, and the author of In Defense of Civilization. He's recently written for MLI on multiculturalism's origins, evolution, and current challenges.On the podcast, Bonner tells Peter Copeland, director of domestic policy at MLI, that Canada needs to focus on unity, and that spending more energy focusing on the differences among the people who live in the country is “not what the present moment calls for.” Russ adds that while he believes in welcoming people from around the world, he cautions against importing social and cultural values, as these risk disrupting Canadian values and democratic institutions.“If you look at the way that democracy has gone since the end of the cold war, democracy is proving to be very much a cultural feature,” says Russ.

The importance of the Arctic is increasing, both for Canada and for our allies. That means it's critical to better understanding it.While Canadians sense that the Arctic is part of their identity, few are deeply familiar with the region — its environment, its vastness, its diversity, or its challenges.In that context, understanding the Russian Arctic — which is very different from the Canadian Arctic — is particularly important, given Russia's role as a destabilizing geopolitical actor and NATO's principal adversary.To unpack this, MLI Senior Fellow Alex Dalziel joins Inside Policy Talks. Dalziel is an Arctic expert who spent 20 years working in Canada's national security, intelligence, and foreign policy communities. Dalziel has recently published two papers with MLI regarding Russia's approach to the Arctic: Polar Power: The Northern Sea Route in Russia's strategic calculus and Frozen Assets: Russia's ambitions to exploit the Arctic Ocean seabed. Three more papers in the series will follow later this year.On the podcast, Dalziel tells Christopher Coates, director of foreign policy, national defence, and national security at the Macdonald-Laurier Institute, that Russia is trying to set itself up "to be the gateway to the arctic," and that Canada must view Russia as its primary challenge in the region.

Free speech was once considered a bedrock democratic value. Now it's become one of the most contested issues in our culture-shaping institutions. Over the past decade, debates about what can and can't be said have intensified across universities, schools, newsrooms, and corporate boardrooms. In many Western democracies, including Canada, speech codes, cancel campaigns, and ideological conformity have become flashpoints in a deeper cultural and political struggle. It's a similar story on the other side of the Atlantic. The United Kingdom has moved from a beacon of free expression to one of the most censorious countries in the western world – with people now being arrested for what are known as “non-crime hate incidents.” To unpack this, Toby Young, founder and director of the Free Speech Union, joins Inside Policy Talks. A well-known journalist, commentator, and author, Toby has been at the forefront of the UK's free speech movement—defending individuals facing ideological persecution, advocating for legislative reform, and helping shape the public debate. He tells Peter Copeland, deputy director of domestic policy at MLI, that he believes rising attempts to restrict expression are driven by political and cultural elites who have “lost their faith” in liberal ideology and its associated policies, like mass immigration. “They don't want to be forced to defend it,” says Young, because they “wouldn't really know how to go about defending it in the pubic square.” Instead, he suggests, they want to “pretend that their particular political position doesn't require a political defence.”

Across the Western world, we're seeing a crisis in youth mental health, a collapse in family formation, and growing confusion about sex and gender. At the same time, more young people than ever report feeling lonely, directionless, and disconnected. In this episode of Inside Policy Talks, Dr. Leonard Sax—a family physician, psychologist, and best-selling author of The Collapse of Parenting—joins MLI's Peter Copeland. Sax is a leading voice on how sex differences, parenting styles, and educational environments shape childhood development—and what happens when we ignore the hard truths about human nature. He tells Copeland that, in order to raise health children, parents must embrace their authority, restrict screens and social media, and most importantly, foster strong bonds across generations—because this is the purpose of childhood.

Ken Coates, director of the Macdonald-Laurier Institute's Indigenous Affairs Program, is joined by journalist and economist Edgardo Sepulveda, an expert data storyteller. Sepulveda's new study for MLI analyzed data for church arsons in Canada and around the world. He found that following reports in 2021 of unmarked graves at residential schools, Canada saw a spike in church arsons compared to other Anglosphere countries, suggesting a correlation to news of the unmarked graves. He says the lack of serious policy response puts reconciliation at risk. Please like, share, and subscribe to Inside Policy Talks for thought-provoking analysis on the key issues facing Canada!

Welcome to Inside Policy Talks, where we dive into the ideas and policies shaping Canada's future!In this episode, Peter Copeland, Deputy Director of the Domestic Policy Program at the Macdonald-Laurier Institute, sits with Ross McKitrick, professor of economics at the University of Guelph.In a recent commentary series for MLI, McKitrick looks at income levels, demography and population change, and housing construction and price data, from the 1970s and ‘90s onwards, to get a sense of what's causing the ‘housing crunch', as he calls it.McKitrick explains that the issues confronting Canada in 2025 go beyond mere setbacks, and that unless they are resolved quickly, we face a deep and potentially permanent loss of our national standard of living and quality of life.Be sure to share and subscribe to Inside Policy Talks for more thought-provoking analysis on the key issues facing Canada today!

In the wake of President Trump's executive order on DEI, debates in America have renewed a conversation around DEI in this country. And while the baseline value of greater inclusion is one that many of us share, some DEI programs have proven controversial. Our guest on this bonus episode is the author of a recent report that dives into DEI practices in Canadian federal granting agencies — and asks if they impede political and ideological neutrality and research excellence. Dave Snow is an associate professor of political science at the University of Guelph. He's also a senior fellow at the Macdonald-Laurier Institute, and the author of a new MLI report, “Promoting excellence … or activism? Equity, diversity, and inclusion at Canada's federal granting agencies.” You can find Tara Henley on Twitter at @TaraRHenley, and on Substack at tarahenley.substack.com

Welcome to Inside Policy Talks, where we discuss the ideas and policies shaping Canada today!In this episode, Peter Copeland, Deputy Director of the Domestic Policy Program at the Macdonald Laurier Institute, sits down with Dave Snow, MLI senior fellow and associate professor at the University of Guelph, to discuss the growing influence of diversity, equity, and inclusion (DEI) initiatives at Canada's major federal research granting agencies.The discussion delves into how DEI policies impact intellectual diversity, as the language of DEI becomes increasingly pervasive in research funding guidelines.Professor Snow provides a detailed analysis of the different forms of DEI - mild, moderate, and activist - and offers recommendations on how federal granting agencies can renew their commitment to political and ideological neutrality.Read Dave Snow's report, Promoting excellence – or activism? Equity, diversity, and inclusion at Canada's federal granting agencies, here: https://macdonaldlaurier.ca/promoting-excellence-or-activism-equity-diversity-and-inclusion-at-canadas-federal-granting-agencies/Be sure to share and subscribe to Inside Policy for more thought-provoking analysis on the key policy issues facing Canada today!

Josh Findlay of BLD Financial serves mid-sized real estate developers executing projects  in the $2M-$10M range in Canada. We discuss CMHC policy impacts, the MLI program's focus on energy efficiency and affordability, and emphasizes the need for sophisticated investment strategies and expert support. The $2M to $10M market is underserved by traditional banks, creating a significant opportunity in this "missing middle" segment⁠ ⁠​CMHC policies are constantly changing and impact financing options, requiring ongoing attention to policy updates ⁠​Risk management is crucial when dealing with high-leverage projects, emphasizing the importance of careful financial planning⁠⁠ Attend Our Real Estate Holiday Party Join the best community in Canadian Real Estate realist.ca Attend a Meetups  Meetups Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

Si and Sophie present Coastal News:A Home and Away Podcast. Your episode companion podcast for Home and Away on Channel 5 and 5star in the UK. This Week, The hunt for the Sidney continues, Mli sets Steve's Spirit free, Tane gets his sentencing and there is a new arrival in the bay! Donate/buy a mug: https://www.buymeacoffee.com/coastalnewspodTwitter/Instagram: @coastalnewspod Email:coastalnewspod@gmail.com Hosted on Acast. See acast.com/privacy for more information.

On this episode of The Alex Pierson Podcast, we first start off with free speech. After a group of law students signed an open petition against Israel, they are now starting to understand why free speech isn't free from repercussions. Alex speaks with Robyn Doolittle, an investigative reporter with the Globe And Mail who has been covering this issue and helps to explain why the letter was first penned, and why some of these students thought they would be safe. GUEST: Robyn Doolittle - Reporter with the Globe & Mail X(formerly Twitter): @robyndoolittle Next, Alex sits with a landlord and board member of the Small Ownership Landlords of Ontario (SOLO), Varun Sriskanda about new proposed bylaws coming to Toronto which could force landlords to ensure ALL units have A/C in extreme heat. Varun tells Alex that all landlords are not the same, and this bylaw could cause rents to skyrocket...or landlords to leave the city. GUEST: Varun Sriskanda - Member of the Small Ownership Landlords of Ontario X(formerly twitter): @VarunSriskanda And finally, Alex speaks with the former vice chair of the CRTC and current Sr. Fellow with the Macdonald-Laurier Institute, Peter Menzies about why big tech are able to circumvent the Online News Act and freely access Canadian news. Peter explains why our tech laws are decades behind, and how this could hurt the news industry even further. GUEST: Peter Menzies - Sr. Fellow w/ MLI & former Vice-Chair of the CRTC X(formerly twitter): @Pagmenzies Learn more about your ad choices. Visit megaphone.fm/adchoices

We have my old friend Ming Lim of Volition Properties, Toronto Realtor and investor extraordinaire and the name volition is about living your life on your own volition thanks to financial peace from a great real estate portfolio.  The nice thing about investing in Toronto is one can't really beat the number of high quality tenants to choose from.  In my experience, the ideal tenant is gainfully employed and optimistic about the future as their credit history is valuable to them as they want to be able to get car loans and mortgages hence they can both afford the rent AND be motivated to be a quality tenant. But Toronto is a top two least affordable city in Canada and one of the least affordable in the world so unless you have deep pockets for negative cash flow condos, you're going to have to adopt an investment model of intensification and densification and that's exactly why we have Ming Lim on as today's guest. Ming and I go back over ten years, he's an engineer by training so he's a bright guy, he doesn't hide truths hence Ming share's how some Toronto investors are faring holding pre-condo construction condos, very sad stuff. On the positive, Ming shares how CMHC's MLI select program (read cheap, 50 year amortization financing) can be used to optimally invest and develop into multifamily properties in and around downtown Toronto. For all you Toronto investors, you've asked “when will Erwin be downtown to meetup?” well Ming has invited me to speak at his meetup.    https://www.meetup.com/volition/events/297931009/ Tuesday, May 28, 6:00-9:00 pm The Kingston House (676 Kingston Rd, Toronto), google maps: https://maps.app.goo.gl/VKQLkSEc5cVxoa9j8 4.6/5 Google reviews   I'll be sharing my journey of being a landlord in Ontario for the last 20 years and how I've started selling properties here to diversify to the landlord friendly areas of the USA. I've just returned from Savannah, GA, I'm in the middle of creating my corporate structure in the States to be prepared to start writing offers in the USA this month and I can not wait!   I hope to see you there and please enjoy the show!   Ming's Volition on Instagram: https://www.instagram.com/volitionproperties/ Meetup: https://www.meetup.com/Volition/ Advisory call: https://cal.com/volition-matt/30advisory?month=2024-03

 We go over a report prepared that was researched & written for CMHC by the firm Ernst & Young. It looks at construction and development and the challenges faced by that sector to get projects going; Short-term response to market conditions will worsen a long-term structural housing supply challenge. The least expensive option for affordable housing often may already exist today.  Over 50% of survey respondents have used MLI financing programs If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Sign up for our Course  Course Sign up for the  Newsletter Meetups  Meetups Merch  merch Get a Pre Approval G & H Mortgage Group Work with Landbank LandBank Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfochSee omnystudio.com/listener for privacy information.

Learn more about Michael Wenderoth, Executive Coach: www.changwenderoth.com SHOW NOTES: Deep down you agree that speaking about your success is important – but you cringe at the thought of doing so, and can't bring yourself to doing it. And being humble has cost you key projects, promotions, and more money that you rightly deserve. Enter Lisa Bragg, speaker and author of Bragging Rights. We discuss why self-promotion and bragging is important, how to overcome what holds you back – and practical tips so you are seen and heard. By the end of this episode, you'll see bragging in a new light, and in your next social media post will surely add the hashtag #Braggingrights. Michael puts Lisa on the spot: Not 1, but 3 introductionsA simple way to think about the goal of your introductionPractical Tip #1: “Present, Past, Future”How to make your introduction crisp, effective – and leapfrog the credibility conversationTip #2: How Lisa builds comradery, even before she meets people at an eventTip #3: How to make it easy for someone to highlight youEven the best bosses are not always thinking or advocating for youBragging vs self-aggrandizementHow the comparison put-down backfiresThe impact of giving some people a pass, while and censoring others“Fear + 10%” and how Lisa got over the dilemma of talking about herselfThe “red thread” that runs through Lisa's upbringing and careerThe corrosiveness of being invisibleWhy we should nurture an environment of bragging and self-promotion, if we want to retain good peopleTip #4: Keep a brag sheetCounterintuitive finding from Lisa's survey: 85% ?!Survey finding: Being humble just not a Canadian thingFitting in, but also standing outTip #5: “Think of perfect as 70%”Showing up as a 10 and the importance of first impressionsHow to asses if your self-promotion work is working – and stay motivated?“Nurture and mature”… but make sure you have a strategyNOT TRUE: “There is no I in team and everyone shares the credit”How orgs are creating cultures of talking about their successesCase study: How one team went from disjointed to a cohesive force, by bragging about their individual and team achievementsTip #6: from me, me, me to how do we partner, and think win-win?The benefits of putting the spotlight on others BIO AND LINKS: Lisa Bragg is a speaker, advisor, professional mentor, founder of MediaFace, and spent years as an award-winning journalist. She helps high-achievers be seen, heard and share their value to the world – and how leaders can help those less visible on their teams do the same. Her book is Bragging Rights: How to Talk about Your Work Using Purposeful Self-Promotion. Lisa is based in Toronto, Canada, where she lives with her husband, daughter and 95 pound dog. Lisa website: https://www.lisabragg.comLisa book: https://www.lisabragg.com/braggingrightsbook-1Lisa on Linkedin: https://www.linkedin.com/in/lisabragg/Lisa on Instagram: https://www.instagram.com/thatlisabragg/“Making it easy for others to speak about you” – What a great Media Guide (Lisa's, of course) looks like: https://tinyurl.com/2mxfn4b8Take Lisa's survey: https://www.lisabragg.com/researchUVA Prof Peter Belmi interview: “Social Class & Our Beliefs – How they impact our Path to Power”: https://redcircle.com/shows/86fcd90d-083e-4af2-9bc8-6d52fb981ae1/ep/9bdfb7a3-ca49-43e4-9882-22fc38c542c0Interview with Joy Chen, CEO of the MLI, on why most Asians don't speak up, which stunts their rise to leadership in Western companies: https://redcircle.com/shows/97-effective/ep/5f2a5a42-80fc-46fb-9f7d-b7cf56e691c1Vivian Picard, “come in as a 10”: https://www.linkedin.com/in/vivianpickard/Make sure to hastag #BRAGGINGRIGHTSMichael's Book, Get Promoted: https://tinyurl.com/453txk74

Presenters: Aaron Burchael & Chris Byrne   Record Date:   19/07/2023      Welcome to The Camping Crew podcast with Aaron Burchael & Chris Byrne    This is meant to be a fun podcast, we are just enthusiasts and what we discuss on the podcast are just our own personal views.    If you would like to support the podcast and you can afford it you can buy us a coffee at https://ko-fi.com/thecampingcrew      News:    Aaron was on WLR this week - Link to listen back on our twitter.      Online Chatter:    Stephen from Reece the Relay sent us a link from MLI in Facebook, new signs at Rathmullan    New temporary Motorhome stopover site in Listowel - Ireland Campervan Experience FB page       Listener messages, follow ups & shout-outs:     James sent us an email recently with some questions about getting a new camper or reconverting his existing one     Barry has an few good ideas. A Conversion Database and a buy/swap focused meetup        Campsites or stop overs:  Ardmore      What's on Charlie and Me this week? No van build or Campsite review video this week due to  a bereavement in my family & friends network      Camp life:     Does anyone wave back anymore?        ---oOo---    We love getting your messages, ideas, campsite suggestions/reviews, products, news items to discuss on the podcast.    If you would like a sticker for your Motorhome, Campervan, Caravan or Car just send us your address and we will pop it in the post to you.     To get in touch with us:   Web:   thecampingcrew.ie  Email:   CampingCrewPodcast@gmail.com  Twitter:   @TheCampingCrew  Instagram:   @TheCampingCrewPodcast  Facebook:   All the good motorhome and camping groups  Audio Message/review:   https://anchor.fm/the-camping-crew     We wrap up this podcast with a quick shout out for Aaron's Vlog on YouTube called:  Charlie  and me our Camping Vlog and his website http://www.campsitereview.com     We hope that you like our podcast. If you did please subscribe and tell your camping friends about us. 

Learn more about Michael Wenderoth, Executive Coach: www.changwenderoth.com SHOW NOTES: It's real: Most Asians and Asian Americans don't speak up, which seriously stunts their rise to leadership positions in corporate America. In this continuation episode, Joy Chen, CEO of the Multicultural Leadership Institute, shares what she is doing to help Asian Americans – and corporate leaders – address the “Age 30 problem.” We talk about the importance of self-talk, the strategy of “richly sharing”, and what she finds most resonates with today's Fortune 50 leaders on the topic of DEI and leadership. Discussing our deep pain: The Age 30 problem and “Asian Americans Don't Speak Up”From networking to getting deeply grounded with ourselvesThe first and most important stepBe aware of your self-talkMini-case: A humiliating lesson from Joy's early careerThe gap and the gain: Replacing negative thoughts with useful action“Asian-American” is a diverse group!Cultural goggles and cultural fluencyResearch-backed strategy: How “richly sharing” helps us connectIs America really polarized & What's working? Joy reflects on her keynotes to Fortune 50 C-Suite and BoardsAnalyzing Joy's use of fun and humorThe surprising story of how Joy connected to pioneer Yue Sai-Kan, and what she learned from her about power  BIO AND LINKS: Joy Chen is an entrepreneur, keynote speaker and global leader. She is CEO of the Multicultural Leadership Institute (the MLI), which seeks to accelerate Asian Americans into leadership positions, and enable leadership for all. Joy has served as Deputy Mayor of Los Angeles; Principal at Heidrick & Struggles, where she placed CEOs in Fortune 500 companies; and has written two best-sellers, Do Not Marry Before Age 30《30岁前别结婚》and How to Get Lucky in Your Career《30 岁趁势而为 Suì chènshì ér wéi 》 that powered her Beijing-based global leadership training company. Joy has been profiled in major media outlets including the Wall Street Journal, Economist and CNN. She holds a BA from Duke and an MBA and MA in Urban Planning from UCLA. She resides with her family in California. In the brutal, ongoing war that has savagely divided Americans, she picked up pickleball to better understand both sides. Previous episode with Joy on 97% Effective: https://redcircle.com/shows/97-effective/episodes/cf114ccf-87c6-498d-a703-b9937960cb02Joy on LinkedIn: https://www.linkedin.com/in/joychen/Multicultural Leadership Institute: https://www.themli.netAsian American Leadership Accelerator: https://www.themli.net/asian-american-leadership-acceleratorHow people foster a sense of inclusion through the ways in which they conceal, express, and respond to social identity differences in interpersonal interactions (research by Prof Rachel Arnett at Wharton): https://www.rachelarnett.com/researchWhy East Asians but not South Asians are underrepresented in leadership positions in the US (Research by Prof Jackson Lu, MIT): https://www.pnas.org/doi/abs/10.1073/pnas.1918896117The escalating war that is dividing so many Americans: https://www.theguardian.com/sport/2022/oct/05/blame-threat-and-clash-the-war-between-pickleball-and-tennis-players-is-escalating-on-and-off-the-courtJoy's connection to Yue-Sai Kan: https://en.wikipedia.org/wiki/Yue-Sai_Kan14- min FREE webinar on Speaking Up: https://www.themli.net/why-many-asians-don't-speak-up-joy-chenHer LI newsletter, Operating Inclusion – Science based insights…: https://www.linkedin.com/newsletters/operationalizing-inclusion-6862074050735427584/Michael's Book, Get Promoted: https://changwenderoth.com/#tve-jump-180481ecea3

Learn more about Michael Wenderoth, Executive Coach: www.changwenderoth.com SHOW NOTES: Asians are among the most educated group in US society, but become the “first hired and last promoted” when it comes to rising in corporate America. Joy Chen, CEO of the Multicultural Leadership Institute (MLI), shares her career ascent and perspectives, and how she puts that to work to service others through the MLI. We discuss growing up Chinese in America, the “unwritten rules” that operate at the top of US companies, and how she reached the top of three industries without ever sending a resume. She even reveals her secret sauce, “UAF,” which will make you re-think what unpaid work you take on to get ahead. What you can learn from Old Man SaiThe benefit and cost of fitting in: growing up “weird”, as a bananaHer early superpowerWhat's different at the top of the corporate pyramidTwo columns of notes: What Joy looked for when she was a CEO headhunterThe one critical thing sought after, across ALL executive searchesThe unwritten rules (and skills needed) in corporate AmericaThe #1 career resource for Chinese abroad in the USA blog post on “Left over women” that goes viral and shifts her careerHow Joy illustrates the 5 drivers that research shows propels your career, revelaled in Michael's book“UAF”: Joy's secret sauce to career growthHow she got to the top of 3 industries -- without ever applying for those jobsThe power of high-quality and freeAvoiding the trap of unpaid “housework”Which “intersections” you should be working atWays to grow as leaders before we are appointed as leaders  BIO AND LINKS: Joy Chen is an entrepreneur, keynote speaker and global leader. She is CEO of the Multicultural Leadership Institute (the MLI), which seeks to accelerate Asian Americans into leadership positions, and enable leadership for all. Joy has served as Deputy Mayor of Los Angeles; Principal at Heidrick & Struggles, where she placed CEOs in Fortune 500 companies; and has written two best-sellers, Do Not Marry Before Age 30《30岁前别结婚》and How to Get Lucky in Your Career《30 岁趁势而为 Suì chènshì ér wéi 》 that powered her Beijing-based global leadership training company. Joy has been profiled in major media outlets including the Wall Street Journal, Economist and CNN. She holds a BA from Duke and an MBA and MA in Urban Planning from UCLA. She resides with her family in California. In the brutal, ongoing war that has savagely divided Americans, she learned pickleball to better understand both sides. Joy on LinkedIn: https://www.linkedin.com/in/joychen/The Multicultural Leadership Institute: https://www.themli.netWall Street Journal Feature on Joy: https://www.themli.net/wall-street-journal-joy-chenThe Asian American Leadership Accelerator: https://www.themli.net/asian-american-leadership-accelerator14- min FREE webinar on Speaking Up: https://www.themli.net/why-many-asians-dont-speak-up-joy-chenASCEND Study: Asian Americans Least Likely Group in the U.S. to Be Promoted to Management: https://hbr.org/2018/05/asian-americans-are-the-least-likely-group-in-the-u-s-to-be-promoted-to-managementEven deeper challenges for Asian American women advancing into senior ranks (McKinsey study): https://www.mckinsey.com/featured-insights/diversity-and-inclusion/asian-american-workers-diverse-outcomes-and-hidden-challengesConcept of the “model minority”: https://en.wikipedia.org/wiki/Model_minorityComplexities of being a “Banana”: https://asiasociety.org/blog/asia/how-banana-magazine-captures-new-yorks-asian-american-creative-communityThe concept of Covering: (Kenji Yoshino): https://www.nytimes.com/2006/01/15/magazine/the-pressure-to-cover.htmlJoy's LI newsletter, Operating Inclusion – Science based insights…: https://www.linkedin.com/newsletters/operationalizing-inclusion-6862074050735427584/Michael's Book, Get Promoted: https://changwenderoth.com/#tve-jump-180481ecea3

This week we have a jam-packed show. We start by discussing British American Tobacco ($BTI, $LON:BATS)  who replaced its CEO Jack Bowles after the company received a fine of $635 for doing business with North Korea. EDGI talks about the number of intangibles on the company and we give our thoughts on the amount of goodwill the company holds on its balance sheet. Intangibles make up ~70% of the balance sheet. Goodwill is approximately 25% which is a lot. Combustibles is declining rapidly however the dividend seems safe at ~50% payout to FCF. Dividend Hikes this week -  Chubb Limited ($CB) hikes dividend by 3.6% to $0.86 quarterly. This marks the 30th consecutive annual increase in the company's dividend Our main topic centers around Realty Income ($O). Why are we talking about Realty Income What makes them so special What concerns us about Realty Income How do we analyze a company like Realty Income  What is our fair value valuation of the company We finish the show off with  lots of questions from the community Tickers mentioned are - $BTI, $O, $CB, £CSN, $MLI,$BUD, $DIS, $TGT, $WBA, $SCHD, $MO, APD, $TSN, $MMM, TYO:8058 WHA.AS, SBMO.AS, SIE.DE, $PYPL, $AFG, ALV.DE,NN.AS, $TROW, ASRNL.AS Links mentioned in the show  Company Deep Dive - NextEra Energy Partners (NEP) - (dividendstockpile.com) Why Life With Dividends Sold Digital Realty Trust ($DLR) https://dividendtalkpodcast.com/ FINVIZ.com – Stock Screener Would you like to support us? Join us on Facebook: https://www.facebook.com/groups/dividendtalk Or if you are interested in buying a nice t-shirt or hoodie with one of your favorite quotes from the dividend talk podcast?  Then check out our Dividend Talk shop:  https://dividendtalk.myspreadshop.ie/

CMHC has gamified possibly the best mortgage product in the country. We look at MLI select and how to gain enough points to qualify.  Accessibility, Affordability & Energy Efficiency  CMHC and their role  Borrower & Guarantee Requirements If you have any questions for the show or want to work with Nick and Dan please reach out to them on social media or send an email to tcreipodcast@gmail.com Nick  Instagram.com/mybuddynick tiktok.com/@mybuddynick twitter.com/mybuddynick89 Dan twitter.com/daniel_foch  instagram.com/danielfoch tiktok.com/@danielfoch Get a Pre Approval G & H Mortgage Group Analyze a Deal in Seconds & Track your Portfolio: https://www.lendlord.io/crei See omnystudio.com/listener for privacy information.

Elizabeth Shick graduated summa cum laude from the University of Georgia with a degree in Scientific Illustration, then went on to study Medical Illustration at the Medical College of Georgia. She was the senior medical illustrator at MLI before opening her own company, Medical Visions, Inc., in 1991. She is one of the top medical legal illustrators in the country with extensive experience, personally producing over 15,000 exhibits. "You can't just have a degree in art to be a medical illustrator. You have to have half art and half science. And that's difficult because a lot of artists don't like math or science. We don't like the technical aspect of things. And a lot of scientists have problems with visual communication. So we're kind of a rare breed because we've got to be good at both."Elizabeth's motto is: “Do what you love and delegate everything else.”  

Axel shares a FULL breakdown of all the documents required to be able to apply for CMHC's MLI funding and explains in detail what each one is for. They fall into 4 categories: project information, third party reports, borrower information and guarantor information.   Additionally he talks about the importance of a guarantor's brief summary, why and how you should be organized when sending the docs and the importance of real estate education.    The CMHC MLI program offers scaling flexibility to encourage the preservation and creation of affordable, accessible and climate compatible units. It focuses on providing term financing to apartments and multifamily buildings in Canada and facilitating construction.    You can go up to a 95% LTV (loan to value) on your construction project and can benefit from an extended amortization as long as you meet certain requirements that fall into the categories of accessibility, affordability and energy efficiency. This program has a point-based system; in each category you score a certain amount of points and depending on the total amount of points you qualify for certain criterias and features of the program.   Dive in! Save time and find out all that is needed to finance up to 95% of your project!    SUPPORT US ON PATREON! patreon.com/realestateeffect   BECOME A PART OF OUR REAL ESTATE FAMILY AND INNER CIRCLE and: Help us to keep producing content Get mentioned in an episode and YouTube Participate in monthly virtual meetings - Ask me anything! Get priority on tickets for limited attendance events Get access to special events offered only to Patreons Get access to my real estate professionals Download exclusive content from podcast episodes - off the record conversation   And please subscribe to the show, share it with a friend and send us feedback. Visit www.realestateeffect.ca and follow me on IG @monsaxel   Mentioned resources: CMHC/SELECT PROGRAM   Connect with Axel Monsaingeon: Linkedin  Real Estate Effect Web Facebook Instagram Youtube

To Απλά και Ανδρικά επέστρεψε! Χωρίς σενάριο, χωρίς περιορισμούς ή λογοκρισία. Η πέμπτη σεζόν ξεκινάει δυναμικά με καλεσμένη που ανατρέπει τα δεδομένα και τα λέει χύμα και τσουβαλάτα! Η Eva.Mli είναι η μεγαλύτερη Ελληνίδα δημιουργός ενήλικου περιεχομένου στο OnlyFans! Μπορείς να την ακολουθήσεις στα παρακάτω links: Instagram: https://www.instagram.com/eva.mli/ https://www.instagram.com/eva__mli/ OnlyFans Eva_Mli: https://onlyfans.com/eva_mli   Αλλά και το Men Of Style έχει το δικό του OnlyFans! Ακουλούθησε μας εδώ για το πιο καυτό περιεχόμενο: https://bit.ly/OnlyMoS και δεν σταματάμε εκέι... To MoS έχει πλέον δικό του Discord: https://discord.gg/menofstyle Μπες στο link, πάτα στο Verification, συμπλήρωσε το captcha που ήρθε σε DM πάνω αριστερά και είσαι έτοιμος για τον πιο τούμπανο discord server! ________________________ O Χορηγός μας: https://bit.ly/MenOfStyle-Freedom24 Θέλετε να επενδύετε με 0% προμήθειες; Ανοίξτε τον επενδυτικό λογαριασμό σας στη Freedom24 και αποκτήστε εντελώς δωρεάν μια μετοχή. Γιατί να επιλέξετε τη Freedom 24; ⬇️ Επειδή η Freedom24 της Freedom Finance Europe ltd είναι ευρωπαϊκή θυγατρική της Αμερικάνικης εταιρείας Freedom Holding Corp (FRHC) εισηγμένης στον NASDAQ. Είναι αξιόπιστη, διαφανής και ελέγχεται από την CySec, τη Bafin και την SEC. - 0% προμήθεια για μετοχές, ETF, ομόλογα, options και futures (μόνο για τους κατοίκους Ελλάδος) - Πρόσβαση στο Χρηματιστήριο Αθηνών, σε παγκόσμια χρηματιστήρια της ΕΕ, των ΗΠΑ και της Ασίας. - Δυνατότητα αγοράς καινούριων μετοχών στην τιμή IPO. - Αποταμιευτικός λογαριασμός με ετήσιο επιτόκιο 3% και ημερήσια απόδοση τόκων. - Δωρεάν μετοχή για τους καινούριους πελάτες Θέλετε να αρχίσετε να επενδύετε με τους καλύτερους όρους στην Ευρώπη; Ανοίξτε έναν λογαριασμό μέσω του affiliate link και αποκτήστε μια δωρεάν μια μετοχή (για πελάτες άνω των 25 ετών)* https://bit.ly/MenOfStyle-Freedom24 *Όλες οι επενδύσεις έχουν ρίσκο. Η Εταιρεία διατηρεί το δικαίωμα να προχωράει σε αλλαγές σε όλα τα προϊόντα, τις προμήθειες, τα έξοδα και τις αμοιβές και οι πληροφορίες σχετικά με αυτές τις αλλαγές θα αναρτώνται στον ιστότοπο της Εταιρείας. In collaboration with https://financialeuropeans.com/

Dan and Riley look into the psychology behind the MLI and our addiction to war boosterism. Also, we look into how the Globe and Mail talks about labour issues and the "right to disconnect," while getting their wallet inspected by the heartland institute. Screw up your own damn country, American thinktankers! Check out our patreon! www.patreon.com/dabottlemen