Podcasts about Moody

In this episode, Jennifer Wallace and Elisabeth Kristof are joined in person by Dr. Lovey Bradley, NSI certified practitioner, BrainBased facilitator, and facilitator of the NSI BIPOC Affinity Group. Together they examine how racial stress and systemic oppression live in the body, how they shape nervous system patterns across generations, and what post-traumatic growth actually requires when the environment itself keeps activating survival. Dr. Lovey opens by sharing what brought her to this conversation, including a moment of messaging Elisabeth out of frustration, asking why race still has to be such a defining factor, and what it would take to start breaking those walls down. The answer they keep returning to: it starts with having the conversations. From there the episode moves into the physiology of racial stress, how chronic exposure to discrimination activates the HPA axis, elevates cortisol, suppresses progesterone, and drives the specific health disparities that show up disproportionately in melanated bodies, including fibroids, endometriosis, heart disease, hypertension, and chronic pain. Dr. Lovey names what she sees in the women she works with and connects those physical realities directly to suppressed expression, ancestral stress load, and the specific demands placed on bodies that have never had the systemic safety to soften. Elisabeth grounds the conversation in current research including the work of Resmaa Menakem on embodied racial trauma and Tema Okun's writing on white supremacy culture, which she connects directly to nervous system dysregulation rather than personality or ideology. The episode also traces how cultural conditioning normalizes threat-based behaviors like urgency, perfectionism, and emotional repression as efficiency or success, and what that means for everyone living inside those systems. Dr. Lovey also shares the story of how she accidentally created a healing community for melanated women after a single post went viral in a Facebook group, and what the response revealed about the collective hunger for real, unperformed connection. Topics Covered How racism functions as a chronic threat signal that reshapes the nervous system, not just belief or behavior What the HPA axis, cortisol, and progesterone have to do with racial stress and women's health outcomes How suppressed expression contributes to physical disease in melanated bodies What Resmaa Menakem's framework adds to neuro somatic approaches to racialized trauma Why white supremacy culture traits like urgency and perfectionism map directly onto chronic stress behaviors How the urgency to fix or regulate can itself become a form of bypassing in healing spaces What post-traumatic growth looks like at a collective level, not just an individual one Why witnessing state violence on social media is a genuine nervous system stressor, even for those not directly targeted How Dr. Levy's community for melanated women came to life and what it is building toward Chapter Markers 0:00 - Why This Conversation Had to Happen 01:57 - Welcome: Racial Trauma, the Nervous System, and Post-Traumatic Growth 07:25 - What Racial Stress Looks Like in the Body, for White and Melanated Bodies 10:44 - Post-Traumatic Growth at the Collective Level: What It Actually Requires 15:35 - The Danger of Regulating Out of Activation Before the Cycle Completes 18:09 - The Neuroscience: HPA Axis, Allostatic Load, and Chronic Racial Threat 24:27 - How Racial Stress Shows Up in Hormones, Cycles, and Women's Health 29:25 - Resmaa Menakem, White Supremacy Culture, and the Nervous System 38:42 - Dr. Levy's Community for Melanated Women and What It Is Building 41:35 - Witnessing Violence at Scale: What It Does to All Nervous Systems 49:11 - What This Work Has Made Possible: Dr. Levy on Choosing to Create a Different World 51:59 - Closing Reflection: What Post-Traumatic Growth Requires of Us Collectively Ways to Engage with Neurosomatics: Neurosomatic Intelligence is now enrolling : https://neurosomaticintelligence.com/nsi-certification Join us for a two week trial of neurosomatic practices at rewiretrial.com Free BrainBased neurosomatic workshop for entrepreneurs at rewirecapacity.com Sacred Synapse: an educational YouTube channel founded by Jennifer Wallace that explores nervous system regulation, applied neuroscience, consciousness, and psychedelic preparation and integration through Neurosomatic Intelligence.  Wayfinder Journal: Track nervous system patterns and support preparation and integration through Neurosomatic Intelligence. Learn to work with Boundaries at the level of the body and nervous system at https://www.boundaryrewire.com   Resources: Brave Heart, Maria Yellow Horse. "The Historical Trauma Response Among Natives and Its Relationship with Substance Abuse: A Lakota Illustration." Journal of Psychoactive Drugs, vol. 35, no. 1, 2003, pp. 7–13. Brave Heart, Maria Yellow Horse, and Eduardo Duran. "Healing the Soul Wound: Counseling with American Indians and Other Native Peoples." Teachers College Press, 1995. DeGruy, Joy. Post Traumatic Slave Syndrome: America's Legacy of Enduring Injury and Healing. Joy DeGruy Publications Inc., 2005. Hobson, J. M., M. D. Moody, R. E. Sorge, and B. R. Goodin. "The Neurobiology of Social Stress Resulting from Racism." Social Cognitive and Affective Neuroscience, vol. 17, no. 2, 2022, pp. 181–191. Hicken, Margaret T., et al. "Everyday Discrimination, Chronic Stress, and Cardiovascular Health." American Journal of Epidemiology, 2014. Geronimus, Arline T. "Weathering and the Health of African-American Women." Ethnicity & Disease, 2006. Menakem, Resmaa. My Grandmother's Hands: Racialized Trauma and the Pathway to Mending Our Hearts and Bodies. Central Recovery Press, 2017. Okun, Tema. "White Supremacy Culture." Dismantling Racism Works, originally published 1999, revised 2021. Williams, Monnica T. "Racial Trauma: Theory, Research, and Healing." American Psychologist, vol. 74, no. 1, 2019, pp. 33–42.  

I opened the refrigerator and there it was again - the pig! Yes, years ago someone bought it, put it in the refrigerator for a while and then it disappeared. I thought maybe he'd gone to the bacon factory, but then the pig was back. See, this pig was actually plastic, and whenever you would open the door, the plastic pig started oinking at you. It's annoying, but it does make you think about what you're about to do to yourself. I'm Ron Hutchcraft and I want to have A Word With You today about "The No Regrets Alarm." Our word for today from the Word of God - very familiar verses from Matthew 6, beginning at verse 9, "This then is how you should pray." And this is what we commonly call The Lord's Prayer of course. "Lead us not into temptation but deliver us from the evil one." How many times have you prayed that? That's an important prayer. We almost don't think about those words. "Lead me not into temptation; deliver me from evil." In other words, "Lord, help me see where the temptation is. Help me steer away from it. Keep me from anything that the Devil might be trying to get me to do." Well, how do you do that? That's through His Holy Spirit. In fact, Jesus said that the Holy Spirit, who He called the Comforter, would do that. He said it in John 16:8. He promises "that the Holy Spirit - the Comforter - when He is come, He will convict the world of sin." He also said in John 14:26 He will "bring to your remembrance all the things that I have taught you." In other words, the Holy Spirit's going to bring to mind how Jesus feels about this. The day you put your trust in Jesus as your Savior, God plants in your soul a sin alarm. Now somebody planted a gluttony alarm in our refrigerator; this noise that makes you stop and think before you reach for something. It was annoying, but the pig could keep you from doing something you would regret later; like how you'll feel when you step on the scale tomorrow. We do need some noise inside of us when we're about to reach for something we're going to later regret. And God delivers us from evil if we will listen to the inner alarms He triggers when we are about to sin. He says something like, "That's not the truth; don't lie. That's not pure; don't watch it. That's going to hurt; don't say it. That's going too far; don't do it." See, one alarm in us is what I call Scripture brakes. God brings to your mind a statement from the Word of God that keeps you from making a mistake if you listen. It's the brakes; step on the brakes. D. L. Moody said that "When you think sin you ought to think Scripture." That's why it's important to commit to memory verses that God can later use to warn you away from the edge. Psalm 119: "I have hidden Your Word in my heart that I will not sin against You." Now, another sin alarm is what I call shame warnings. See, many of us don't carry a sense of shame from the sins of the past, and God erased those from His books if you've brought those sins to Jesus. But sometimes the shame feelings are there a long time after God has forgiven us. And that's actually not all bad, because God can remind you of the damage that comes from saying yes to that temptation, using the shame warnings from the past. Listen to those. One other sin alarm that God uses when you're reaching for something that could hurt you is Spirit tremors. It's an uneasiness in your spirit that says, "This just isn't right." That's probably the stirring of the Holy Spirit. Listen to that inner warning. But respond immediately and put on the Scripture brakes, respond to the shame warnings, to the Spirit tremors before sin drowns them out and you grab a plateful of regrets. After a while, I have to admit I got immune to that pig warning in the fridge. I finally just put it away. Don't do that with the Holy Spirit alarm system inside you. Do not quench the Spirit, because He knows the price tag for what you are about to grab.

Mark and Marisa are joined once again by colleagues Chris Lafakis and Juan Pablo Fuentes to discuss the past week's developments in the Middle East and whether the forecast has changed as a result. Matt Colyar joins to review the week's release of inflation data, which show stickiness in inflation prior to the $40 jump in oil prices since the start of the year. After a review of weak reports on GDP, spending and confidence, Chris and Juan Pablo discuss how the jump in oil prices and the unprecedented supply shock will affect consumer spending and growth. The group posits their forecasts for how and when the conflict may end.  Guests: Matt Colyar, Chris Lafakis and Juan Pablo Fuentes For a deeper dive on AI and the macroeconomy, see our new paper, The Macroeconomic Consequences of Artificial Intelligence, where we model four potential economic paths over the next decade. We also walk through the scenarios in a companion webinar available now on-demand. Read the paper: https://www.economy.com/getfile?q=2B555C90-1118-4A49-BDAA-5C0A99F83A9E&app=download Watch the webinar: https://bit.ly/3OF6dn9 Email us at InsideEconomics@moodys.com for more info about the Moody's Summit '26 Conference in San Diego Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's Analytics Follow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We've received many requests to release Parts 1 & 2 as a full, unedited episode.Floyd Moody played a quiet but important role in Mansfield's early history. In this episode, we explore who Moody was, the impact he had on the local community, and why his story is gaining renewed attention today as Mansfield works to recognize people and moments that shaped the city's past. It's a look at local history that adds deeper context to the place many residents call home.

In this special edition of IFI, we turn the Spotlight on our longtime host, Monte Larrick. Monte Larrick was Illinois Family Institute’s Media Director for over a decade, informing our constituents on Illinois topics with clear, concise and unique angles. He shares some untold stories of his longtime career covering politics for Moody radio.… Continue Reading

US has issued a new Russia-related general license permitting the sale of Russian crude oil and petroleum products loaded on vessels as of March 12.ByteDance reportedly plans to tap NVIDIA (NVDA) Blackwell processors that are barred for export to China, with the Co. working with Aolani Cloud on plans to use some 500 Blackwell computing systems in Malaysia, according to WSJ.European equities soften, BESI NA surges on takeover rumours; US equity futures muted ahead of PCE, GDP.DXY extends above the 100 handle, GBP slips post-GDP.Fixed income choppy and energy prices and risk tone continue to dictate price action.Brent hovers around USD 100/bbl and metals dragged by a firmer dollar. Looking ahead, highlights include Canadian Jobs Report (Feb), US Core PCE Price Index (Jan), Durable Goods Orders (Jan), Personal Spending (Jan), JOLTS (Jan), University of Michigan Consumer Sentiment Prelim. (Mar), Atlanta Fed GDP. Rating updates include Scope Ratings on UK & Spain, S&P on Spain, Moody's on Greece & Germany, Fitch on Spain & Italy.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

APAC stocks were mostly subdued, with the region cautious amid headwinds from the recent double-digit surge in oil prices.US officials noted they said from the start the war would last 4-5 weeks and may end in 2 weeks, with the decision up to Trump.US Treasury Secretary Bessent told Sky News an international coalition could protect ships in the Strait of Hormuz.USTR announced to initiate 60 Section 301 investigations related to failures to act on forced labour.European equity futures indicate a mildly higher cash market open with Euro Stoxx 50 futures up 0.2% after the cash market closed with losses of 0.8% on Thursday.Looking ahead, highlights include German Wholesale Prices (Feb), UK Trade Balance (Jan), GDP (Jan), French/Spanish HICP Final (Feb), Canadian Jobs Report (Feb), US Core PCE Price Index (Jan), Durable Goods Orders (Jan), Personal Spending (Jan), JOLTS (Jan), University of Michigan Consumer Sentiment Prelim. (Mar), Atlanta Fed GDP. Rating updates include Scope Ratings on UK & Spain, S&P on Spain, Moody's on Greece & Germany, Fitch on Spain & Italy.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

At an estate sale at the mysterious house at the end of their street, Old Mrs. Moody and Catbaloo discover a fascinating antique clock. When they accidentally wind the clock backwards, something incredible happens—they travel back in time! Suddenly, they find themselves in Promontory, Utah, on May 10, 1869, just in time to witness the historic Golden Spike celebration—the moment the transcontinental railroad is finally completed. Old Mrs. Moody even becomes part of the story when she volunteers to send a Morse code message over the telegraph, announcing to the entire country that the final rail has been laid. © 2026 Old Mrs. Moody

In this episode of Making Risk Flow, host Juan de Castro speaks with Bill Harris and Drake Slaikeu-Lawhead of ITC Vegas about how insurance growth hinges less on tools and more on connection. They explore how Insurtech Connect's “neighbourhood” model helps carriers, brokers, and agents navigate 700+ vendors by organising solutions around real business needs. The conversation dives into AI's impact on distribution, streamlining ACORD processing, claims, and upstream risk transfer, while reinforcing that independent agents remain essential for trust-based advice. As pilots shrink from years to months, speed to impact becomes the new competitive edge. Yet in a digital-first era, they argue that face-to-face interaction still drives the most valuable outcomes. Serendipity, not just software, is what truly keeps risk flowing.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Is the U.S. economy headed for a recession in 2026? Moody's Analytics Director Chris Lafakis joins Kat Shamapande to break down the latest outlook, from sluggish job growth and AI-driven disruption to shifting trade policy and falling mortgage rates. He explains why 2026 looks stable, what could derail expansion, and how construction, housing, and global markets factor in. Hear the risks, opportunities, and what 2027 may bring. With special guest: Chris Lafakis, Director, Moody's Analytics   Hosted by: Kat Shamapande, Director, Professional Development, NASBP

Keith is joined by housing market intelligence authority Rick Sharga—a frequent guest on outlets like CNBC and Bloomberg who "quietly gets it right" rather than chasing clickbait crashes. Together, they dig into whether America really has a housing shortage and how that lines up with what you're seeing in prices and inventory.  They explore why entry-level homes are so constrained and what that means for both investors and homebuyers.  They also examine how mortgage rates, builder behavior, and demographic shifts could shape housing demand and investment opportunities over the next several years. Episode Page: GetRichEducation.com/596 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE I'm your host. Keith Weinhold, does America really have a housing shortage? And if so, how long will it last? Those answers and more, with an expert guest and I today on get rich education.   Speaker 1  0:19   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Keith Weinhold  1:03   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Speaker 2  1:36   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:46   Welcome to GRE from Nantucket, Massachusetts to Pawtucket, Rhode Island and across 188 nations worldwide. America's favorite shaved mammal on a microphone has got his slack jawed act back on track for another wealth building week with you. I'm Keith Weinhold. This is get rich education. I'm still not wearing a pair of knockers, and I've returned here to bring you more value than your HOA dues. It's kind of crazy that America First put a man on the moon, and we're the first nation to put a man on the moon in 1969 and yet today, we have trouble housing our own people here on Earth. Shortly, we're going deep on does America really have a housing shortage first? Sometimes real estate investors can learn lessons from the stock market about the future direction of housing prices and demand and just simply what assets people have demand for, how AI is disrupting some stock sectors. Has been rather germane lately. One CEO made this perfect example. It's about how two different stocks travel search engine Expedia and Delta Airlines, those two stocks were once closely tied together. Their share prices used to be correlated, but they've gone in separate directions. See, Expedia offers you a service that can be replicated by bots, but delta has actual planes that take you somewhere, and it's hard for AI to replace that. This is why there's been a recent push toward more tangible stocks and tangible assets, a divergence, an attraction to assets that give you a share of either a tangible good, or, in the case of something like an airline, a service that's directly tied to something tangible. And similarly, commodities like gold, silver and copper cannot be replaced by AI. Neither can real estate. There is a growing sense to own things that can't be disrupted, dematerialized and demonetized by AI, like so much software can. In fact, as overall stock market valuations are lofty. You know, some people have become rather wary of an AI speculative bubble that perceptive to this demand. Just a few weeks ago, Goldman Sachs introduced an everything but AI index, yeah, where you can invest in a basket of companies that are sheltered from Ai disruption, this everything but AI index that's attracting investors. In fact, there's another trend that interfaces with real estate that just launched recently too today, you can wager on future homes. Prices through the platform, poly market, yes, place bets for profit or loss on the future direction of the median home price. In fact, one recent college graduate joked, I was born too late to afford a house, and born just in time to gamble on people who can buy a house? Yeah, you're probably familiar with poly market by now. It's the prediction market that lets you speculate on things like elections and Fed rate decisions and various geopolitical events and other real world outcomes. Well, they have launched a set of real estate markets that allow users to bet on future home values. The way it works is that you can wager on future home values in New York, Los Angeles, Miami, San Francisco and Austin, Texas, as well as US national home values. So that's six different markets. Now I haven't gambled on Poly market, I had checked it at times to get an idea of where people really think markets are headed or what's going to happen next. Because, rather than major media, where sometimes as a hype machine, they create headlines that scare you in order to try to get clicks, well, instead of all that, regular people are placing their money on polymarket, and you can look at what that action is like, because that can be a more reliable harbinger of future price direction at last check with a national median home price of about 420k with the numbers, poly market is using one month from now, 66% of people think that home prices will rise. And it's more nuanced than that. You can bet on just what price range you believe home prices will fall into one month from now. And this is nothing that I recommend wagering on, but besides an interesting trend, yeah, you can get that idea of where real people actually believe markets are headed. As we're about to talk to national housing expert Rick sharga on whether or not we really have a housing shortage, we've got new data about the level of housing permits. Of course, housing permits are a gage of the level of future housing inventory, because after a permit is issued, it's typically six to 12 months until a single family home is built. But I'll share that with you near the end of the show, because it makes sense to cover this with you in chronological order. We'll discuss housing supply first, and then I'll tell you about the future supply direction based on housing permits. Now, you know from the inception of this show in 2014 I talked about the why of real estate investing before the how with anything in life, it's only when you truly know why you're doing something that you'll profoundly care about the how and you'll want to do it well. In fact, when I do an in person real estate presentation, one of the modules that I teach most often is simply called Why real estate. The biggest Why is not altruistic, although that matters, and that's part of it. But instead it's that real estate pays five ways. That's the biggest why any GRE devotee knows that the five ways are simultaneously paid, are appreciation, cash flow, ROA tax benefits, and not inflation hedging. But specifically inflation profiting. Yet I have found multi decade real estate investors that don't understand this, the most valuable hour that you can spend is knowing all the ways that you're paid and seeing and believing how your total rate of return of 20% 30% or even 40% is not far fetched or risky, but it's actually common and even estimated conservatively. If you're initiated on this, you already know, but if you aren't, it can sound a little hard to believe what I just said right there, I recently reshot the entire real estate pays five ways video course, and it's the most valuable hour of investing video content that you're likely ever to see. It's premium, masterclass level content. I'm just giving it away for free because people need to know this. And actually, on the newest shoot, I've condensed it down into just 40 minutes of content across the five videos, one instructional video for each of the five ways you're paid. The videos average eight minutes. So that's about 40 minutes total, and they build on. Each other. So at the end of each one, you get to see your cumulative rate of return. It just keeps adding up, and you know exactly where all of the numbers come from. That's why it's more conducive to video form than audio form. I know that many of you have seen it, but if not, it is foundational, and I cannot recommend it enough. It's free and available to you now. At get richeducation.com/course, get that now, while it's on your mind. At get rich education.com/course, more next, I'm Keith Weinhold, this is get rich education.   Keith Weinhold  10:39   Flock homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.   Keith Weinhold  11:16   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989 Yep. Text their freedom coach directly. Again, 1-937-795-8989,   Kathy Fettke  12:27   this is the real wealth network's Kathy betke, and you are listening to the always valuable get rich education with Keith Weinhold. You   Keith Weinhold  12:46   Is America really short millions of homes? If so, that doesn't mean every market is undersupplied, and prices can only go up because of it. If there's a housing shortage, why are prices falling in some cities? So the shortage? Is that something that's real, or is it just misunderstood, and you're gonna learn what it means to you? I'm get rich education's Keith Weinhold along with an intelligence authority today that usually gets it right. In fact, I found an old clip of him on Bloomberg where he suggested home prices bottoming in 2011 and as it turns out, they sure did today, together, we're answering the question, does America really have a housing shortage? And my guest has often appeared in major media, CNBC, Fox NPR. He's the founder of the CJ Patrick company. Hey, welcome back to the show. Rick sharga,   Rick Sharga  13:39   good to see you again. Keith, thanks for inviting me.   Keith Weinhold  13:41   You know, it's funny. Four years ago, Rick and I found each other, and we sort of checked each other out. I found him to be an authority that just doesn't go on saying this bombastic and absurd stuff just to get attention. Instead, he quietly gets it right, and when he knew I had a real estate YouTube channel, similarly, I resonated, because I'm not one of these people that's constantly saying that housing prices are going to crash just to get views and then those crash. People never follow up when they're wrong, and they've been wrong for about 14 years now. But Rick, rather than prices, we're here to understand if there's really a housing shortage today, most agencies believe we have a shortage. Moody's will tell you 2 million. Zillow, four to 5 million. Congressional Republicans have gone on to say 20 million. I sure don't know about that. And then yet, Rick sometimes at the same time, you do see these conflicting stats, where it says that sellers outnumber buyers today, which sort of flies in the face of a housing shortage. So what is your take amidst all this?   Rick Sharga  14:46   Well, Keith, I think what we're seeing is a fairly obvious example that if you torture data enough, you can make it say anything in the right you wanted to say. And there is a lot of confusion about how much. A housing shortage we really do have. It's not like we have 20% of the population unable to find anywhere to live. Most people still prefer to live indoors, and they've been able to do so, but the fact of the matter is that all of the math suggests that we are underserved in terms of the number of housing units available across the country, and we can go through some of the math. The big question, of course, is, how many houses are we short? How many housing units are we short? And the reason the numbers are all over the place, and as you suggested, let's set aside the Republican estimate of 20 million, because there's, there's certainly something political going on there, but the estimates range from around a million to as high as five or 6 million. And the reality is all of those estimates are counting something different. Some are counting housing growth versus population growth. Some are counting vacancy rates compared to historic levels, some are counting inventory available for sale today versus inventory available to sale in prior years. So each of these organizations, and they're all pretty reliable organizations, Moody's is certainly good. Zillow's research team is top notch. Fannie Mae and Freddie Mac the National Association of Realtors. None of these people are hiring dime store economists. They're all good folks, but they're all measuring something slightly different, which is why these numbers come out all over the place, and the one of the fundamental challenges is trying to figure out housing shortages compared to what, or compared to when. All of these estimates assume that there was some point in history when we had exactly the right number of housing units to suit the needs of the population. So they start with some point in time, and I think if you did enough research, you find they all start at slightly different points in time, and then kind of work their way forward from that and come to very different conclusions, again, based on where they started and where they ended up, and what they count. The one thing I would push back on a little bit from some of your comments in the intro is that I am highly, highly skeptical, extraordinarily skeptical of the reports that talk about how many more sellers we have than buyers, because that makes some wild assumptions about the number of people that are actually interested in buying a house. And I've never seen any research methodology that's really nailed that number accurately. Because nobody knows if you're thinking about buying a house right now, until you go to an open house until you do a search on on Zillow, or realtor.com or homes.com until you actually are applying for a loan or making a deposit. So the notion of being able to mind read three 40 million Americans to figure out how many of them are interested in buying, I think, is a neat trick, but I do think it's at least in part one of those methods that people use to get a lot of clicks to their website   Keith Weinhold  18:05   right? This whole thing of and I think when we talk about sellers versus buyers, that's shorthand. What we really mean are, there are some stats out there that show that prospective sellers outnumber prospective buyers, in some cases, which, yeah, I think I agree with you there. I doubt that as well. And yeah, of course, I think you're getting on some of the nuance here. We're trying to predict how some people would behave. For example, how much pent up demand is there when we're talking about sellers versus buyers, and we're talking about a shortage, for example, say, the 28 year old living with their parents that could move out and afford to buy a home if mortgage rates hit 5% like for example, how do you count that? Or, how would you even know to   Rick Sharga  18:53   it's a valid point. Keith, and I think that fundamentally, is my question. With that particular report, you really can't count that person. We do have some metrics that we follow, and it's funny, you mentioned that 5% mortgage, because as we record this, mortgages have broken that 6% threshold for the first time in a number of years. And just about every kind of mortgage you could buy right now is below 6% so that's a good thing. And every time we've gotten close to that 6% mark. In recent years, since mortgage rates doubled back in 2022 we've seen a huge influx of people applying for purchase loans, for those mortgage loans to buy a house, those numbers are up somewhere between 13 and 15% year over year right now, and that's before we've really had these mortgage rates dip below 6% so to me, that suggests there really is pent up demand out there, and I judge that just based on what I see in terms of a number of people actively applying for a loan.   Keith Weinhold  19:54   Yeah, there's a lot of nuance here. HUD tells us that we have more. Homeless people than we've ever had in this nation. So that's sort of an extreme affordability problem. To your point earlier about how most people want to live indoors, and I'm sure not making light of homelessness. It's a sad situation, but we're always going to have homeless people regardless of whether we have excess housing or a housing shortage. We have about 146 million housing units in the United States. The census shows and suggests that 8 million of those 146 million are housing units where people have doubled up and are sharing space with non relatives. That's one way to think about the level of pent up demand within the shortage,   Rick Sharga  20:44   I don't know if that's a result of shortage necessarily, or if that's a result of having the weakest affordability for people looking to buy homes that we've had in over 40 years. The last time affordability was as bad was the 1980s and the reason affordability was bad back then was because mortgage rates were at 1819, 20% and it made it very difficult for people to afford homes. But we're coming out of a very unusual cycle, and this is a little bit off topic from our inventory question, but it's the only time in US history when two conditions have hit the housing market back to back, if you go back to covid, coming out of covid, we saw home prices go up nationally by over 50% in about 18 months. It was a huge, huge, unprecedented increase. Yeah, and right on the heels of that, as inflation started to get out of control, the Federal Reserve had to take pretty extreme measures to get that back down. So they started playing with the Fed funds rate, and we saw mortgage rates double in 2022 in the history of the country, according to Freddie Mac we've never seen mortgage rates double in a calendar year. And in 2022 They not only doubled in a calendar year, they doubled in the space of a few weeks. So we're coming out of a period where home prices went up by over 50% and then mortgage rates doubled, and it just crushed affordability. So the people that have been looking to buy a $400,000 house suddenly realized they could only afford a $200,000 house, and there were none of those around. It's really why home sales have gone down as rapidly as they had volume of sales. In 2021 we sold 6 million existing homes. In 2022 it dropped to 5 million. And for the last three years, we've been sitting at around about 4 million annual sales of existing homes. And again, that doesn't suggest a lack of inventory, a lack of homes, because there are fewer people buying, and there's more properties staying on the market longer. But the underlying numbers, the underlying metrics we would look at, are where we can start to kind of deduce that there aren't enough homes. For example, you mentioned that there are about 146 million housing units across the country. Most recent census data I have from the end of 2024 says it's about 140 748, 40 748 million. So it's up just slightly from your number. That represents a growth of about 6.7% in housing units between 2010 and 2024 during the same period of time, the population went from about 309 million to about 340 1 million, and that represents a growth rate of about 7.4% so if everything else stayed equal, your population grew at a faster rate than your housing units did. And that suggests that even if the number of housing units was ideal back in 2000 it's somewhere less than ideal by the time we got to the end of last year,    Keith Weinhold  23:42   we're talking with Rick sharga. He's the founder and owner of the housing market intelligence firm, the CJ Patrick company. We're answering the question, does America really have a housing shortage? We're getting a yes there. And before we're done, we're going to talk about, how long could the shortage persist? But Rick, you spoke to affordability, and I think that has a lot to do with the nuances within the shortage, and that brings up shortages within the luxury tier versus shortages in the entry tier. And the entry tier is really what a lot of our listeners and viewers are interested in, because we're used to buying those as rental properties. So can you tell us about that?   Rick Sharga  24:23   It's a great point, Keith. And what we've been talking about so far is kind of a structural shortage in the overall number of housing units that could be purchased, could be owner occupied, could be rented. And one of the culprits there, and I will answer your question, I promise, one of the culprits there is that builders simply haven't built that much. If you look at the long term average, like 2025 years, the average number of housing starts was somewhere between 1.3 and 1.4 million a year coming out of the Great Recession in 2010 so you look at that last 15 year period or so, 12. Of those years, they've started less homes than that long term average. So builders simply haven't been keeping pace, not only with population growth, but also with just the ability to create enough homes in general, to offset the number of homes that are obsoleted every year, that get bulldozed every year. So there is a structural shortage. To your point, if you look at inventory available for sale, we are up about 9% year over year, but we're still down about 15% from where we were prior to the pandemic. So there are fewer homes for sale than there were back when the market was functioning more efficiently. The most drastic shortage is at the entry level builders simply have not been making a lot of entry level properties. There's a reason for that. There's some independent research out there, including some research from Fannie Mae that suggests that the pre construction cost a builder has to absorb before they break ground is over $100,000 across the country, on average, higher than that, where I'm calling you from today, in California, it's about 120,000 there. If your table stakes are 100,000 $120,000 it's really difficult to make a profit on an entry level property. So the builders, I think understandably, have been focusing on higher dollar, higher value properties and not replenishing that supply that we need for first time buyers and the kind of properties that real estate investors tend to like. The other problem we've had, Keith, is that when those mortgage rates doubled, the people who had purchased those entry level homes refinanced into a two and a half 3% mortgage and are now sitting on a $300,000 property, let's say or $250,000 property with a two and a half percent mortgage. And if they wanted to trade up, they'd be trading up to a four or $500,000 house with a 6% mortgage. And they simply can't afford to do that. So the combination of entry level owners staying put at much larger numbers and builders creating new entry level homes at much smaller numbers has really created kind of a crisis of inventory at the entry level segment of the housing market.    Keith Weinhold  27:18   Yeah, when we talk about that crisis of inventory in what's available. I'm not talking about shortage numbers now. I'm talking about the active listing count. This means more or less available homes to buy. This includes single family homes and condos. We have an active listing count of around 1 million today. The historic average is around 2.2 million, and that peaked near 4 million during the global financial crisis. So today, only about one quarter as many active listings, available homes as at the peak,    Rick Sharga  27:54   yeah, only about half as many as, let's call it a normal market, and that's one of the reasons. I think the first time you and I spoke on your podcast, we were talking about all the online snake oil salesmen who were predicting a home price crash. But that's one of the reasons why home prices haven't crashed, and why they've kind of continued to grow, at least at a modest pace, and in some cases now are starting to decline a little bit. But that lack of inventory on the market. When you don't have enough inventory to meet demand, or just barely enough to meet demand, that means that seller doesn't really have to negotiate all that much. That means that buyers are kind of at a disadvantage, and so as long as that's the case, you'll see home price stability. That doesn't mean that every market is going to see prices go up. But if you look across the country right now, if you look at markets where home prices are down even marginally year over year, you're looking at the Gulf Coast states, you're looking at some other southern markets, Las Vegas, Phoenix, you're looking at some outlying markets like Boise, Florida, certainly, and Texas. And those are markets where inventory is actually considerably higher than it was a year ago, and in some cases, considerably higher than it was back in 2019, if you look at markets where prices are still going up a lot, Midwest, Northeast, those are still markets where there's not enough inventory to meet demand. So that relationship between available inventory for sale and demand is really what drives pricing    Keith Weinhold  29:23   this whole discussion, which is really about the supply, just in the economics one on one. Adam Smith of supply versus demand. A lot of people, just like including my dad, when I was telling him about housing, something he doesn't follow. And I told him that prices are up the most in the Northeast and Midwest. That surprised him. He was like, No, well, population growth is lower here and lower than Pennsylvania, where he lives. And that's when I brought up, well, they're under building there. So in parsing this by geography, Rick, I think another way that we can do it is parsing the housing shortage by the single family homes versus apartments, because it's. Pretty well documented that nationally, apartments could be seen as overbuilt, and single family is under built. Do you have any details with respect to that?    Rick Sharga  30:08   We talk a little bit about that, and quick shout out to both of our home state, Pennsylvania, yeah, Phil, Philadelphia actually had some of the highest annual price increases right in their home sales last year. But part of that isn't just because they haven't been building a lot in Philadelphia or the suburbs. It's because we see people moving from higher priced markets into lower priced markets. So we have people actually commuting to New York who have bought homes in Philadelphia or the Philadelphia area. They can get much more house for their money there. They're not subject to some of the wage taxes that happen in New York State. They just get on that Amtrak and train into the city every day. So there is some of that going on across the country too, as we still see net migration of people moving out of states like California, New York and Illinois into nearby states where the cost of living is much lower. That slowed down since covid, since a lot of companies have been requiring people to come work back at the office. But it is still happening. It is still happening in generally the same direction you raise the issue of inventory for rental units versus inventory for, let's say, owner occupied properties, we have seen a plateau in the number of single family rental homes. So the stuff you're hearing out of DC, that you're seeing the media about the really important ban on institutional investor buying is really much more sizzle than substance. Oh, right. Institutional investors are owned and are buying a fraction, but we've seen over a million apartment units come online in the last 18 months. It's about the largest number of apartments that have that have sprung up and in that shorter period of time on record. And we've gotten to a point where in some markets, there's actually a little bit of an oversupply of those apartment units now that will balance itself out over the next couple of years, because multifamily building starts are way down too so we're not seeing a lot of activity there as builders hold off, waiting for this new inventory to get absorbed. But to put it in perspective, vacancy rates went from near zero back during covid in those apartments to over 6% last year. Rental rates have gone down from 15% year over year, increases back in 2020, 2021, to negative numbers nationally in the last year, just talking apartments, just apartments. So we have a short term mini glut, if you will, of apartments. It will be absorbed rapidly. We have 92 million people between the ages of 26 and 54 who are have either formed households or are about to a lot of them would like to be homebuyers can't afford today's prices, so they're renting instead. And about 5 million people a year are turning 35 which is when, you know, we parents start literally kicking them out of the house. So I think that rental overage will resolve itself, really, in the next 12 to 18 months. And if the builders don't start building new inventory by that point, we'll wind up with another shortage on the housing front, I'm of the opinion that we're at least a million homes short compared to what demand should be. I think the number is probably somewhere between one and 2 million. And again, I'm doing that simply based on a slight decrease in vacancy rates, population growth and the aging of the population. What could throw all of our numbers off? Keith is one of the X factors in demographics and population, which is immigration. Population growth, if it's organic, if it's by birth, does have an effect on housing, to an extent, but it's it's more nuanced, and it takes longer to really show itself if you're dealing with adult immigrants coming into the country, particularly immigrants who are coming in for jobs and have income that they can spend on housing, your housing demand goes up quickly, and that can have some local market repercussions depending on where the immigrants are going.   Keith Weinhold  34:18   In Philadelphia is not a coastal city. Its cost of housing is surprisingly low to a lot of people, but it's not on a coast. Just look at a map. Well, Rick, as we're winding down here, how long could the housing shortage persist overall?   Rick Sharga  34:33   I think we're in a period of time right now where builders are reluctant to overbuild. They got caught in the great recession with about a 13 month supply of homes available for sale, and then as home prices crashed, they were competing with their own inventory from the prior year, and many of them took a real beating financially during that period of time. So I don't expect we'll see builders overbuild anytime soon. And that tells me that we're probably looking at at least another three to five years before we can have a rational conversation about housing numbers kind of leveling off to be where they should be. We mentioned immigration. That is an X factor that could extend the housing shortage. If we start to see more immigration coming into the country, it could mean that we don't need as many houses as I suspect, if we have fewer people coming into the country. And the other x factor here is the boomers, the baby boomers of any generational cohort, probably have the highest home ownership rates right now and ultimately will age out of their properties. They've stayed there longer than any prior generation has, and that's also contributed to the inventory shortage, as opposed to the housing shortage. But as a friend of mine said, and it's a little macabre, but as he says, boomers will eventually leave their homes, either vertically or horizontally, so that will bring some inventory back to the market as well   Keith Weinhold  35:58   housing supply. It is rather inelastic, and we're probably going to be in this shortage for a number of years. Well, Rick, tell us how and why people consult with you and then just how they can do that.   Rick Sharga  36:12   Yeah, I work with mostly companies that are in the real estate or mortgage industries. Keith, I typically prepare a lot of market intelligence reports to them. It's real estate data, economic data, mortgage data. For some clients, I do foreclosure reports. They know what's going on in terms of delinquencies and defaults. For others, I do research on investor purchase activity, what they're buying, what they're selling, what they're paying, where they're doing all this. So anything that's data related to real estate data, mortgage data, economic data, I'm kind of neck deep in and I'm very easy to find on either LinkedIn or x. So if anybody's listening today and wants to connect on those platforms, just reach out and tell me you saw me on the GRE podcast, and I'll know you're legit.   Keith Weinhold  36:56   Housing supply is coming up short, but Rick never does. It's been great having you back on the show.   Rick Sharga  37:02   We'll do it again soon, Keith, It's great talking to you.   Keith Weinhold  37:10   Do we really have a housing shortage? The answer is yes, and the number of units short is one to 2 million. The shortage is worst in the entry level home segment, which matters so much to us as investors, we are owning an asset that's going to have sustainable demand for quite a while into the future. Rick indicated that it could take perhaps three to five years just to get back into balance. Now, we recently learned that there were fewer housing permits issued last year than there were in any year since 2019 and housing permits are an indicator of the future home supply. They had their recent peak five years ago with 1.7 5 million, and last year, there were just about 1.4 million. So home permits issued are 19% lower today than they were back in 2021 this is a harbinger of supply, because from the time that a permit is issued, it takes six to 12 months to complete a single family home. It's about six months to build a tract home, and closer to 12 months for a custom home. For apartments, it can take in excess of 24 months to deliver that period of time from permitting to completion. So nationally, we should continue to see scarce supply in the one to four unit space, keeping upward pressure on prices again for the most valuable 40 minutes of educational real estate investing material around you can access my premium real estate pays five ways, master class of five videos, totally free. And you know how I operate. I don't try to upsell you to some paid course. Either. It's just truly free. I'll send it to you. You can access it at get rich education.com/course coming up on future episodes here on the get rich education podcast, we're about to go on a run. The next stretch of GRE is loaded. We've got fresh topics with some game changing monolog content that I'm going to share with you new guests, distinguished guests. Next week, the youngest guest to ever appear on the show is going to be with us. He's a 19 year old college student with a real estate investing related major. How does he see Gen Z's financial world? Is there any hope at all? The following week, we're going to break down an innovative way to sell properties that could completely change how you think about your exit strategy when it's all done, when it's time for you to retire from real estate, rather than a 1031, Exchange, which would just keep you in the real estate game and with more of it, do a seven. 21 exchange into a real estate fund. Have no more assets to manage, no more property managers to manage total capital gains tax deferral and still get financial upside. And then just four weeks from now, it's get rich education podcast episode number 600 debt is the American dream. So if you're serious about building wealth, be sure to follow or subscribe to the show. If you've already done that, I would really appreciate it if you told a friend about this show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:39   Nothing on this show should be considered specific personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.    Keith Weinhold  40:58   The preceding program was brought to you by your home for wealth, building, get richeducation.com

The Anzco Foods IRONMAN New Zealand edition where we review the racing from the day and chat to first Kiwi home Jack Moody. Rikki Anderson won the free race entry to IRONMAN Cairns. We find out more about her.

Host Corbin Barthold (TechFreedom) deconstructs Justice Barrett's surprisingly influential concurrence in Moody v. NetChoice. Or: Why the First Amendment protects algorithms and AI.  Links: Moody v. NetChoice The Post-human First Amendment Tech Policy Podcast 286: How Algorithms Can Fight Extremism Tech Policy Podcast 414: Beware the Butlerian Jihad

In today's talk, we learned that the full life God intends for us will manifest to the extent of our wisdom in using our time and energy.The pressing question in this conversation is whether, like Moses, we are striving to optimize our time and energy in a way that makes life more fulfilling and fruitful.MADE A DECISION TO FOLLOW JESUS?We're excited about your decision and would love to serve you.Kindly let us know at: http://bit.ly/NOWHOMEABOUT SYCAMORE CHURCHSycamore Church exists to help you see Jesus beyond the noise of the world, find purpose and meaning in life, and live life to the full.Learn more at sycamore.church or connect with us on social media:Instagram: https://instagram.com/sycamore_churchTwitter: https://twitter.com/sycamore_churchTikTok: https://tiktok.com/sycamorechurch

O analiză Moody's publicată la sfârșitul săptămânii trecute ne arată succint modul în care este văzută situația principalilor indicatori macroeconomici ai României la care se adaugă și o prognoză. Instituția financiară precizează că este un raport pe care agenția o realizează periodic, fără să aibă legătură strict cu evaluarea ratingului de țară. Cu toate acestea, informațiile conținute în analiza Moody's sunt relevante pentru felul în care este percepută evoluția economiei locale atât de instituția financiară, cât și de investitori. Astfel, studiul remarcă începerea consolidării fiscale, datorită măsurilor adoptate la jumătatea anului trecut. Deficitul bugetar, conform metodologiei europene ESA, a scăzut de la 9,3% din PIB, în anul 2024, la 8,2% din PIB, anul trecut, și este de așteptat să se reducă la 6,3% din PIB, anul acesta. Este menționat ritmul ridicat de scădere a deficitului pe care și l-a asumat guvernul. Totodată, analiza arată explicit situațiile în care agenția de evaluare ar putea scădea sau crește calificativul României. Astfel, „ratingurile de țară vor fi probabil reduse în condițiile în care Guvernul nu va implementa planul de consolidare fiscală, ceea ce ar duce la o evoluție semnificativ deteriorată a indicatorilor fiscali comparativ cu așteptările din acest moment”. Este un nou avertisment care se îndreaptă în special spre clasa politică și spre PSD, partidul care pune în mod constant piedici măsurilor de reducere a deficitului bugetar. De altfel, Moody's remarcă riscurile care încă există în ceea ce privește continuarea consolidării fiscale, respectiv sprijinul politic de care este nevoie în contextul în care anul viitor va avea loc rotația prim-ministrului și în anul 2028 se vor desfășura alegeri parlamentare. Analiza agenției de evaluare financiară precizează și varianta în care s-ar putea îmbunătăți calificativul de țară. Trebuie remarcat că primul pas ar putea fi ameliorarea perspectivei asociată ratingului de țară, care astăzi este „negativă” și care ar putea fi promovată la categoria stabilă. Deci, până la o eventuală creștere a ratingului, mișcarea premergătoare ar fi îmbunătățirea perspectivei. Acest lucru se va putea face doar respectând programul previzionat pentru datoria publică. Agenția Moody's precizează la ce se așteaptă și anume la sfârșitul anului viitor datoria publică va ajunge la 63% din PIB, de la 60,5% din PIB la sfârșitul anului 2025. De asemenea, estimarea este că la finalul acestui deceniu, datoria publică ar trebui să se stabilizeze la un nivel de 65% din PIB. Dacă din punctul de vedere al ratingului, lucrurile sunt clare, mult mai complicat este viitorul proiect de buget. Momentul definitivării bugetului de stat este foarte dificil. Nu din motive interne, pentru că acum guvernul are și legislația referitoare la reducerile de cheltuieli în administrația locală și centrală. Deci, principala cerință a ministrului finanțelor și a premierului a fost satisfăcută, respectiv ca bugetul să fie alcătuit pe baza legislației existente. În schimb, marile incertitudini vin din exterior. Cum ai putea să faci un buget de stat realist în condițiile în care prețul țițeiului este într-o continuă creștere? Cum ai putea să faci un buget realist când tariful gazului natural a crescut în câteva zile cu 70% la bursa de la Amsterdam, definitorie la nivel european? Efectele asupra economiei pot fi dezastruoase. Creșterile de prețuri ale carburanților și creșterea tarifului gazelor naturale ar putea genera inflație și o încetinire a creșterii economice sau chiar intrarea în recesiune. Deocamdată, nu avem o imagine clară a evoluției prețurilor materiilor prime energetice în următoarele luni. Totul depinde de durata și evoluția conflictului din Orientul Mijlociu. Dar, astăzi, situația nu arată deloc bine. Prețul țițeiului Brent este de 93 de dolari pentru un baril, iar gazul natural este cotat la aproape 53 de dolari pentru un MWh. Dacă se menține o dinamică de creștere a prețurilor, bugetul de stat de anul acesta va fi doar orientativ.

Warning – This episode contains very strong language. Chris catches up with Ben Youngs to discuss his new BBC documentary about rugby and player safety. Through honest conversations with former players, medical experts, and teammates, Youngs explores the long-term impact of concussion and repeated head injuries. We hear Ben's powerful interview with Lewis Moody where he talks openly about living with MND, how it has affected his family and if he has any regrets from his playing days. Does the game still need to do more when it comes to head injuries and player safety? Sam Peters, author of ‘Concussed', who has spent over a decade investigating the links between rugby and neurodegenerative diseases also joins Chris to look at what more could be done to protect players, particularly in training? And what about the grassroots game? Is enough being done at that level to ensure there are adequate measures in place to protect against concussion? You can watch the full documentary ‘Ben Youngs Investigates: How Safe Is Rugby?' on the BBC iPlayer.

Golden ST Warriors vs. Oklahoma City Thunder NBA Pick Prediction by Tony T. Warriors vs. Thunder Injuries Steph Curry, Seth Curry and Moody are out for GSW. Melton, Porzingis and Richard are questionable with Payton probable. Carlson, Caruso, Hartenstein, Mitchell and Jalen Williams are out for OKC. Recent Box Score Key Stats Warriors at Thunder 8:30PM ET— Golden St is 32-20 after their 115-113 road win against Houston. Warriors hit 48% with 37% from three in the OT win. Brandin Podziemski scored 26 points with nine rebounds. De'Anthony Melton supported with 23 points and six rebounds. GSW allowed 46% shooting with 41% from three. Oklahoma City improved to 49-15 following their 103-100 road win at NY Knicks. Thunder shot 45% with 38% from three. Chet Holmgren led with 28 points with eight rebounds. SGA contributed 26 points with eight assists. OKC allowed 42% shooting with 29% from three.

PODCAST LAS NOTICIAS CON CALLE DE 6 DE MARZO DE 2026 - Trump autoriza comprar petróleo ruso para evitar aumento de precios del combustible tras dispararse 20% el precio tras guerra de Irán - CNBCRivera Schatz defiende a Ciary Marbetes y dice que lo investigue otro, aunque el Senado parece no haber visto los escándalos que se supone estén en el expediente - Noticentro Trump no podría darle seguro al estrecho de Hormuz y oficialmente está cerrado - Financial Times   Hoy se transmite la vista de lectura de acusación contra Anthonieska por muerte de Gabriela Nicole luego de que nosotros fuéramos al tribunal para eso - Jay Fonseca Premium   Escándalos le ganaron a jefa de seguridad nacional y la botaron - Metro Nuevo jefe de seguridad nacional apoya la estadidad para Puerto Rico - El Nuevo DíaMás de 107 mil se verían afectados si vivienda federal cambia reglas de residenciales y vivienda asistida - Primera Hora PR va a tener que sacar dinero local para evitar perder los fondos federales asignados - El Nuevo Día  Amenazas contra testigo principal del caso de Anthonieska - Jay Fonseca PR Tranque entre la AEE y LUMA por nuevos proyectos Luis Gutiérrez y congresistas demócratas piden sacar a la Junta y pasar funciones al gobierno de PR - El Nuevo DíaOtra vez PR se queda fuera del SNAP - El Nuevo Día Miles huyen de Beirut tras Israel recomendar desalojo por nuevos ataques contra Hezbollah - FT Trump dice que tienen que contar con él para escoger nuevo líder de Irán como pasó en Venezuela - Axios Mega tapón en el estrecho de Hormuz, 90% cerrado - Kazininform Nuevas leyes electorales solo fueron aprobadas por el PNP y la democracia, pues pa dsps - El Vocero Rivera Schatz dice que el PNP no tiene que aprobar proyectos de fourtracks ni de la Parguera - El Vocero Contenta JGo con que Moody's califique a PR aunque la calificación sea que no se puede invertir aquí porque no hay luz - El Vocero Desalojan la última casa de la calle Iglesias de Santurce - El Vocero Siempre innovando y con los mejores beneficios, MCS Personal Directo te ofrece cubiertas accesibles para que cuides de tu salud y la de los tuyos.Con una amplia red de proveedores de más de 15,000 médicos de libre selección. Reembolso de hasta $40 mensuales por membresía a un gimnasio o por un entrenador personal debidamente certificado. Asistencia en el hogar para servicios de cerrajería, plomería y electricidad de hasta $350 por evento hasta 4 veces al año.¡Únete HOY a la gran familia de MCS!¡Salud que completa tu vida! Llama al 787.945.1259 y oriéntate.Endoso pagadoIncluye auspicio 

Oil is ripping higher as the war in the Middle East disrupts fuel supplies — with WTI Crude posting its biggest weekly gain on record. We break down what rising gas prices mean for the consumer with Moody's Mark Zandi, and the stocks that could benefit as the Strait of Hormuz stays closed. Plus, banks stay under pressure, UBS upgrades pharma, and Wells Fargo's Michael Schumacher joins to game out what oil — and the latest jobs data — mean for rates, Treasuries and the broader macro picture. Fast Money Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Inside Economics team tackles the tough economic data and developments of the past week. There was nothing redeeming in the February jobs numbers, as the economy struggles to create jobs and unemployment edges higher.  And this is before the fallout from the U.S. conflict with Iran hits the economy, which threatens to be considerable. The discussion ends on the question of how the fighting will be resolved, but there are no satisfying answers. Jenna Score: 7 Guests: Dante DeAntonio, Chris Lafakis, and Juan Pablo Fuentes For a deeper dive on AI and the macroeconomy, see our new paper, The Macroeconomic Consequences of Artificial Intelligence, where we model four potential economic paths over the next decade. We also walk through the scenarios in a companion webinar available now on-demand. Read the paper: https://www.economy.com/getfile?q=2B555C90-1118-4A49-BDAA-5C0A99F83A9E&app=download Watch the webinar: https://bit.ly/3OF6dn9 Email us at InsideEconomics@moodys.com for more info about the Moody's Summit '26 Conference in San Diego Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's Analytics Follow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Markets react to fast moving developments in Washington and across asset classes: Adam Crisafulli of Vital Knowledge and Kevin Gordon of Charles Schwab assess the broader market backdrop and debate how investors should position amid policy uncertainty and macro crosscurrents. More tremors in private credit with Mark Pinto of Moody's Ratings. Jim Paulsen outlines what the Federal Reserve's next steps could be as geopolitical volatility and higher energy prices complicate the equation. Jackson Ader of KeyBanc analyzes bellwether Oracle ahead of its earnings next week. Our Sharon Epperson reports on rising 401(k) withdrawals and what increasing retirement stress may signal about the health of the consumer and the broader economy. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, comedian and host of Fake the Nation, Negin Farsad, is joined by actor/performer, PepperMint and by writer/podcaster, Rachel Sklar. Together, they reluctantly talk about this confusing war with Iran. They also discuss the phenomenon that is “looksmaxxing.” And finally, they address the burning question, is smut having a renaissance?Follow everyone!Rachel Sklar - @RacheSklar - www.smartfriendsnetwork.com + Breadwinners PodcastPeppermint - @PepperMint247 – Survival of the Thickest + her new tea with Moody!Negin Farsad - @NeginFarsad – upcoming dates www.NeginFarsad.comRate Fake The Nation 5-stars on Apple Podcasts and leave us a review!Follow Negin Farsad on TwitterEmail Negin fakethenationpodcast@gmail.comHost - Negin FarsadProducer - Rob HeathTheme Music - Gaby AlterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today on Karl and Crew, we continued our weekly “Ask the Experts” theme with Dr. Ronald and Sue Sauer, who answered questions on all things Bible and the Christian walk. Dr. Sauer is a retired Professor of Bible and Greek from the Moody Bible Institute; he is currently an Adjunct Faculty member. Dr. Sauer has retired from Moody after 36 years of faithful service. He is also the host of the new podcast called Quiet Time, a weekly deep-dive conversation on the essentials of Christian living.Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Gil Santos is Lead Quant at Credora, and Marcin Kazmierczak is CoFounder of RedStone, which recently acquired Credora.We dig into why DeFi desperately needs credit ratings, how Credora is building them, and why this is the missing piece for institutional capital to flow onchain. Gil explains the problem: DeFi has transparency of transactions but opacity when it comes to risk. You can see every trade onchain, but you can't tell if a Morpho vault is genuinely safer than another. Credora is building the Moody's and S&P for DeFi—real-time, dynamic risk ratings that update as market conditions change.In this episode, we cover:+ Why DeFi needs a ratings protocol ($10B rated, 80% Morpho TVL coverage)+ The L2Beat parallel: Raising standards for the industry+ How Credora ratings work: assessment from collateral → markets → vaults+ 2026 vision: Stablecoins to $1T, fintechs offering rated yields to retail------

Today on Karl and Crew, we continued our weekly “Ask the Experts” theme with Dr. Ronald and Sue Sauer, who answered questions on all things Bible and the Christian walk. Dr. Sauer is a retired Professor of Bible and Greek from the Moody Bible Institute; he is currently an Adjunct Faculty member. Dr. Sauer has retired from Moody after 36 years of faithful service. He is also the host of the new podcast called Quiet Time, a weekly deep-dive conversation on the essentials of Christian living.Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today on Karl and Crew, we continued our weekly “Ask the Experts” theme with Dr. Ronald and Sue Sauer, who answered questions on all things Bible and the Christian walk. Dr. Sauer is a retired Professor of Bible and Greek from the Moody Bible Institute; he is currently an Adjunct Faculty member. Dr. Sauer has retired from Moody after 36 years of faithful service. He is also the host of the new podcast called Quiet Time, a weekly deep-dive conversation on the essentials of Christian living.Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today on Karl and Crew, we continued our weekly “Ask the Experts” theme with Dr. Ronald and Sue Sauer, who answered questions on all things Bible and the Christian walk. Dr. Sauer is a retired Professor of Bible and Greek from the Moody Bible Institute; he is currently an Adjunct Faculty member. Dr. Sauer has retired from Moody after 36 years of faithful service. He is also the host of the new podcast called Quiet Time, a weekly deep-dive conversation on the essentials of Christian living.Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today on Karl and Crew, we continued our weekly “Ask the Experts” theme with Dr. Ronald and Sue Sauer, who answered questions on all things Bible and the Christian walk. Dr. Sauer is a retired Professor of Bible and Greek from the Moody Bible Institute; he is currently an Adjunct Faculty member. Dr. Sauer has retired from Moody after 36 years of faithful service. He is also the host of the new podcast called Quiet Time, a weekly deep-dive conversation on the essentials of Christian living.Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today on Karl and Crew, we continued our weekly “Ask the Experts” theme with Dr. Ronald and Sue Sauer, who answered questions on all things Bible and the Christian walk. Dr. Sauer is a retired Professor of Bible and Greek from the Moody Bible Institute; he is currently an Adjunct Faculty member. Dr. Sauer has retired from Moody after 36 years of faithful service. He is also the host of the new podcast called Quiet Time, a weekly deep-dive conversation on the essentials of Christian living.Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Golden St Warriors vs. Houston Rockets NBA Pick Prediction by Tony T. Warriors vs. Rockets Injuries Seth Curry, Steph Curry, Moody, Porzingis and Richard are out for GSW with Payton questionable. Tate and VanVleet are out for Houston. Sengun, Smith and Thompson are questionable. Recent Box Score Key Stats Warriors at Rockets 7:30PM ET—Golden St fell to 31-30 following their 114-101 home victory against LA Clippers. Warriors shot 39% with 35% from three. Brandin Podziemski led with 22 points with seven rebounds. Nate Williams came off the bench with 18 points and two rebounds.

Today on Karl and Crew, we continued our weekly “Ask the Experts” theme with Dr. Ronald and Sue Sauer, who answered questions on all things Bible and the Christian walk. Dr. Sauer is a retired Professor of Bible and Greek from the Moody Bible Institute; he is currently an Adjunct Faculty member. Dr. Sauer has retired from Moody after 36 years of faithful service. He is also the host of the new podcast called Quiet Time, a weekly deep-dive conversation on the essentials of Christian living.Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Stories we're covering this week:• MISD Trustees Hire a New Superintendent• Arrest Made in Mansfield Drug-Related Death Investigation• The Nation Tunes In to Watch Legacy Grad's American Idol Performance• State Resolution Honors a Local as DFW Executive of the Year• Nominations Open for 2026 Methodist Mansfield Sports Awards• In Sports, North Texas Soccer Clubs kicks off their seasonIn the Features Section:• Arts Week is just around the corner and Tim Roberts has details in the Cultural Arts Calendar• Angel Biasatti talks about something new that brings convenience and joy to the community in Methodist Mansfield News to Know• Brian Certain serves up a fastball right down the middle in this week's Cocktail of the WeekIn the talk segment, Steve concludes his in-studio talk with the Reverend Floyd Moody. We are Mansfield's only source for news, talk and information. This is About Mansfield.

3.3.26 Hour 1 1:00- Commanders kicker Jake Moody is going to be testing free agency, and that's fine with us! 19:30- Kenneth Walker is expected to hit free agency here, could Washington be in on him?

Commanders kicker Jake Moody is going to be testing free agency, and that's fine with us! 

In this episode of Making Risk Flow, host Jake Harding speaks with Bryan Falchuk, author of the Future of Insurance series, about why insurance's next competitive edge lies in intelligence, not efficiency. Bryan argues that carriers focus too heavily on operational optimisation when profitability depends on understanding and managing loss ratios. He introduces the “how might we” mindset as a way to break through cultural resistance and reframe constraints as opportunities. The conversation explores AI as a bridge between legacy systems and modern analytics, enabling transformation without massive system overhauls. Bryan also examines how misaligned incentives, complacency, and leadership hubris quietly undermine long-term strategy. Ultimately, he makes the case that curiosity, humility, and proactive risk intelligence will define the insurers that thrive in an era of rapid technological change.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

How do you bring innovation to life inside an organization whose job is to help other people see risk before it shows up on a balance sheet? In this episode of the Innovation Storytellers Show, I sit down with Jason Lee, Chief Intelligence Officer at Moody's Analytics, for a conversation that lives at the crossroads of national security tradecraft, financial crime investigation, and modern data-driven decision making. Jason has spent decades inside large, complex systems, from federal intelligence work to investment banking to building a security consulting firm, and he shares what he has learned about creating new programs inside environments where bureaucracy, budgets, and skepticism can slow even the best ideas down. We start with Jason's origin story because he makes a compelling point: innovation rarely comes from a formal job description. In his career, it often showed up as a "collateral duty," a leader asking him to solve a pain point, build a new unit, or design a process when the rules had not yet been written. From creating early fraud detection frameworks in banking to uncovering unconventional data sources in government work, Jason frames innovation as a mix of creativity, relationship-building, and a willingness to learn from other industries without copying them. From there, we get into how Moody's is thinking about AI right now, especially the shift from large language models toward large reasoning models. Jason explains why reasoning matters more than hype when the stakes include fraud, terrorism financing, and organized crime. He walks through what it means to use models for scenario analysis, how "tipping and cueing" can help analysts focus on what matters, and why he believes humans have to stay in the loop, especially when errors can have real-world consequences. One of my favorite parts of the conversation is when Jason brings storytelling back into the center of analytics. He explains how workshops with prospects help uncover what clients actually need, even when they cannot fully articulate it yet, and why "data experience" matters when the information is complex and intangible. We also talk candidly about where innovation programs can stall, whether it is budget politics, unrealistic KPIs, mismatched expectations across business verticals, or leaders who want short-term wins when the real value takes years to compound. If you are building inside a big organization, selling complex ideas to busy decision-makers, or trying to make AI useful without losing trust, this episode will give you a lot to think about, so what part of Jason's approach resonates most with how you see innovation playing out right now, and where do you think teams are still getting stuck?  

Journals play an important role for academics. They disseminate new knowledge and separate good from bad research. They also signal competencies, reputation, and standing. Publishing in certain journals often means your work is more rigorous. It may also mean your work is more visible and gets cited more often. Plus, having your work appear in certain journals can be an important prerequisite for career advancement and it can literally affect your salary. Yet of course, these different functions can be evaluated in different ways. Not all journals score equally high or low on all these different aspects. Determining which journal is "good" or "top" becomes a complicated multidimensional riddle. We decided to ask Jason Thatcher. He is one of the most prolific authors of journal papers our field has ever seen and he has served as reviewer or editors on most if not all of them. We try to develop a simple 2x2 decision tool that helps authors identify journals that are both rigorous and prestigious, that are good for the research we do and good for our careers as well. References AIS College of Senior Scholars. (2023). Senior Scholars' List of Premier Journals. Association for Information Systems, https://aisnet.org/page/SeniorScholarListofPremierJournals. Lowry, P. B., Moody, G. D., Gaskin, J., Galletta, D. F., Humpherys, S. L., Barlow, J. B., & Wilson, D. W. (2014). Evaluating Journal Quality and the Association for Information Systems Senior Scholars' Journal Basket Via Bibliometric Measures: Do Expert Journal Assessments Add Value? MIS Quarterly, 37(4), 993–1012. Dennis, A. R., Valacich, J. S., Fuller, M. A., & Schneider, C. (2006). Research Standards for Promotion and Tenure in Information Systems. MIS Quarterly, 30(1), 1–12. Abbasi, A., Parsons, J., Pant, G., Liu Sheng, O. R., & Sarker, S. (2024). Pathways for Design Research on Artificial Intelligence. Information Systems Research, 35(2), 441–459. Rai, A. (2017). Editor's Comments: Seeing the Forest for the Trees. MIS Quarterly, 41(4), iii–vii. Recker, J. (2020). Reflections of a Retiring Editor-in-Chief. Communications of the Association for Information Systems, 46(32), 751–761. Agarwal, R., & Lucas Jr., H. C. (2005). The Information Systems Identity Crisis: Focusing on High-Visibility and High-Impact Research. MIS Quarterly, 29(3), 381–398. Applegate, L., & King, J. L. (1999). Rigor and Relevance: Careers on the Line. MIS Quarterly, 23(1), 17–18. Rai, A. (2017). Editor's Comments: Avoiding Type III Errors: Formulating IS Research Problems that Matter. MIS Quarterly, 41(2), iii–vii.

The Warriors bring intensity in the first half and struggle in the second, Kawhi Leonard helps the Clippers return, Draymond Green performance and role changing, Nate Williams performance off the bench, Podziemski first half, Moody injury and performance, Steph Curry and more!

Bevor wir zu einer sehr aufregenden FanFiction am Ende kommen, besprechen wir nochmal 6 Liebestränke, unter anderem von Mr. und Mrs. Weasley, Filch und Moody. Es wird eklig bis süß, versprochen!Es gibt neuen Merch: https://www.seedshirt.de/shop/schokofroescheshopIhr wollt uns FanArt schicken oder Sticker von uns bekommen?Schreibt uns an:Postfach 71053281455 München

This week, Moody & Groo finally admit the unthinkable: We're chick‑flick guys now. There. We said it. And we're starting with the Reese‑Witherspoon‑in‑pink nuclear blast known as Legally Blonde. Along the way we accidentally detour into: Elimination Chamber chaos Ronda vs. Gina (huh?) Logan Paul winning just to spite us Pat McAfee possibly becoming the next Stallone (yes, really) Mayweather, Pacquiao, and the battle of “why?” Jennifer Coolidge ascending to MILF immortality Plus Rod Stewart, Wayne's World beef, and America's Next Top Meltdown And then—BOOM— New spinoff alert: Stallone Cold Debates. Because if two idiots are going to argue about Stallone … it might as well be us. #Bend & snap #Rip ‘Em!

Stig is joined by Tobias Carlisle and Hari Ramachandra for a new round of stock pitches. They discuss Berkshire, Moody's and BellRing Brands. IN THIS EPISODE YOU'LL LEARN: 00:00:00 - Intro 00:02:35 - Stig's bull case for Berkshire: balance sheet, culture, and Greg Abel (NYSE: BRK.B) 00:27:09 - Berkshire bear case: slowing growth and capital allocation risks 00:30:47 - Tobias' bull case for BellRing: FCF, protein brand strength, PE appeal (NYSE: BRBR) 00:38:30 - BellRing bear case: concentration, leverage, consumer shifts 00:47:02 - Hari's bull case for Moody's: moat, duopoly, recurring analytics (NYSE: MCO) 00:50:20 - Moody's bear case: valuation, cyclicality, regulation, AI risk Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Mastermind Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Learn how to join us in Omaha for the Berkshire meeting⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Stig Brodersen's Portfolio and Track record.  Check out Mastermind Discussion Q4, 2025 | Video. Check out Mastermind Discussion Q3 2025⁠ | Video⁠. Check out Mastermind Discussion Q2 2025 ⁠| Video⁠. Check out Mastermind Discussion Q1 2025⁠ | Video. Tobias' podcast, The Acquirers Podcast. Tobias ' ETF, ZIG. Tobias' ETF, Deep. Tweet to Tobias Carlisle. Hari's Blog. Tweet to Hari. Related ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠books⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ mentioned in the podcast. Ad-free episodes on our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Premium Feed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Intrinsic Value Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Check out our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠We Study Billionaires Starter Packs⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Follow our official social media accounts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠X⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Browse through all our episodes ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Try our tool for picking stock winners and managing our portfolios: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TIP Finance Tool⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Enjoy exclusive perks from our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠favorite Apps and Services⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn how to better start, manage, and grow your business with the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠best business podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. SPONSORS Support our free podcast by supporting our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sponsors⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: SimpleMining HardBlock AnchorWatch Human Rights Foundation Linkedin Talent Solutions Vanta Unchained Onramp Netsuite Shopify References to any third-party products, services, or advertisers do not constitute endorsements, and The Investor's Podcast Network is not responsible for any claims made by them. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

With the lowest numbers he’s ever had, and hypocrisy galore, things just keep getting better for Steel Toe! Join Patrick, Karl from WATP, and Moody as they discuss the hilarity of the week from Aaron Imholte and his Steel Toe Morning Show. The man who refuses to get a job never ceases to captivate while ratcheting up his lies and sperg-sessions for our amusement.

Mark, Cris & Marisa reunite for a lively discussion about their predictions around AI's impact on the economy over the next year or two. The team talks about their recently released webinar & white paper on the Macroeconomic Consequences of AI and answers several great listener questions in the process. Marisa and Cris try to talk Mark down off the AI-apocalypse ledge, as the once eternally optimistic Zandi has gone down a darker path recently.  Jenna Score: 8.5/10 For a deeper dive on AI and the macroeconomy, see our new paper, The Macroeconomic Consequences of Artificial Intelligence, where we model four potential economic paths over the next decade. We also walk through the scenarios in a companion webinar available now on-demand. Read the paper: https://www.economy.com/getfile?q=2B555C90-1118-4A49-BDAA-5C0A99F83A9E&app=download Watch the webinar: https://bit.ly/3OF6dn9 Read the Citrini Research Scenario on AI here: https://www.citriniresearch.com/p/2028gic Email us for more info about the Moody's '26 Summit in San Diego Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's Analytics Follow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“When we were utterly helpless, Christ came at just the right time and died for us sinners.” (Romans 5:6 NLT) In the 1800s in London, a little boy wanted to hear the great American evangelist D. L. Moody, who had come to town to preach. This little street urchin made his way across the entire city of London, risking his very life, with no food or proper shoes. After a long journey, he finally came to the great church where Moody was scheduled to speak. As he made his way up to the door, an old usher scowled at him and asked, “What are you doing, young man?” The boy said, “I am going to go hear the great evangelist D. L. Moody.” “Not looking like that! You are filthy. Go away!” The little boy was crushed. He was sitting on the steps, crying, when a black carriage pulled up in front of the church. Out of it stepped a large man. He saw the sad little boy on the steps and asked, “Young man, what is wrong?” The boy answered, “I came here to hear the great preacher D. L. Moody, but they won’t let me in the church.” “Is that so?” the big man said. “You just put your hand in my hand, and I will see what I can do to help you.” The little boy put his dirty little hand into the man’s big, clean hand. The man led him right down the middle aisle, past the usher who wouldn’t let him in, to the front row. The big guy sat him in a front-row seat. Then the man stepped up to the pulpit. That man was, of course, D. L. Moody. That young boy couldn’t get in on his own, but when he held Moody’s hand, he walked through the front door. So it is with us, because of Jesus. We are filthy in sin. In Psalm 51:5, David wrote, “For I was born a sinner—yes, from the moment my mother conceived me” (NLT). Isaiah 53:6 says, “All of us, like sheep, have strayed away. We have left God’s paths to follow our own. Yet the Lord laid on him the sins of us all” (NLT). The apostle Paul wrote, “For everyone has sinned; we all fall short of God’s glorious standard” (Romans 3:23 NLT). Because of our sinfulness, we have no hope of entering Heaven on our own. Our only hope is Jesus, who takes our dirty hand in His clean one and leads us to a front-row seat in God’s presence. As Paul puts it in the next two verses of Romans 3: “Yet God, in his grace, freely makes us right in his sight. He did this through Christ Jesus when he freed us from the penalty for our sins. For God presented Jesus as the sacrifice for sin. People are made right with God when they believe that Jesus sacrificed his life, shedding his blood” (verses 24–25 NLT). The frustrating reality for many people trying to establish themselves today is also the glorious reality of salvation: It all depends on who you know. Reflection question: How can you lead someone into Jesus’ presence? Discuss Today's Devo in Harvest Discipleship! — The audio production of the podcast "Greg Laurie: Daily Devotions" utilizes Generative AI technology. This allows us to deliver consistent, high-quality content while preserving Harvest's mission to "know God and make Him known." All devotional content is written and owned by Pastor Greg Laurie. Listen to the Greg Laurie Podcast Become a Harvest PartnerSupport the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.

Hour 3: Silver & JD revisit the Warriors moving forward without Stephen Curry and how Brandin Podziemski and Moses Moody should take advantage of the opportunity to carve out a larger role for future high-stakes games. Monte Poole joins the show to weigh in on Draymond Green's inconsistencies this season and how De'Anthony Melton continues to play himself into earning more money this upcoming summer.See omnystudio.com/listener for privacy information.

Not all the lessons learned in school came from our teachers. This is a story of “unarmed power. “As a music professor and academic administrator, Joel Stegall authored more than 35 journal articles, book chapters, and other such long-forgotten documents. Since retiring to Winston-Salem, North Carolina, he has completed a family history dating from the early Colonial Era. Delighted to discover in his bloodline ingenuity, inventiveness, devotion to duty, self-sacrifice and uncommon love, he was at the same time distressed to find insanity, murder, suicide and cattle rustling.

In this episode of The Midnight Train Podcast, The Conductor and Mr. Moody explore the concept of hell from various cultural and religious perspectives. They discuss the interpretations of hell in Christianity, Islam, Hinduism, Buddhism, and other belief systems, highlighting the differences in views on punishment and purification. The conversation also delves into real-world locations believed to be gateways to hell, including the Seven Gates of Hell in Pennsylvania and Feng Du in China. The hosts blend humor with dark themes, making the exploration of these topics both entertaining and informative. In this episode, the hosts delve into the fascinating and eerie world of various locations around the globe that are rumored to be gateways to hell. They explore Fengdu Ghost City in China, discussing its theatrical representation of the afterlife and moral teachings. The conversation then shifts to the cultural significance of hell in different traditions, including Hawaiian beliefs and the symbolic nature of these so-called portals. The hosts take listeners on a global tour, highlighting various sites associated with hell, and conclude with a discussion on horror movies that depict these themes.   Thanks for listening. Want more of the show? Become a Patreon producer (or POOPR for the cool people) at www.patreon.com/themidnighttrainpodcast and get all of the bonus episodes! Now available to listen on Spotify! For more, go to our official website: www.themidnighttrainpodcast.com   Want to donate to the guys to appease your guilt for being better off than they are? Send it on over at www.paypal.com and use the email: themidnighttrainpodcast@gmail.com    New merch designs up at https://themidnighttrain.threadless.com/   F*ck Cancer. Please support the organization. https://www.fuckcancer.org/

In this episode of Making Risk Flow, host Juan de Castro speaks with David McMillan, former CEO of esureGroup, to unpack how a mid-sized insurer reinvented itself under private equity ownership. Facing COVID-19, reserve pressures, a soft market, and geopolitical disruption, the company leaned into culture, clarity, and modern technology to outpace larger rivals. David shares why building a high-performing team starts with shared values, how blending insurance expertise with external digital talent accelerates innovation, and why cloud-native, API-driven architecture is essential for real-time decision-making. He also explains how to shift boards from traditional ROI forecasts to agile, outcome-based governance. It's a candid conversation about resilience, leadership under pressure, and why staying smaller, more agile, and hence, faster can be a lasting competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Gregory Copley reports Nigerian President Tinubu advocates for an African credit rating agency to reduce reliance on external assessments from firms like Moody's, reflecting growing desire for statistical independence and better quantification of local economies to attract investment.1910 BRUSSELS CATHEDRAL

1917 EDGAR RICE BURROUGHS. MARS1.Liz Peek discusses the market's current drift and the continued dominance of Artificial Intelligence, arguing AI is not a bubble but a rapidly adopted technology transforming productivity, with companies underhiring as they assess impact and investors needing exposure to this dominant sector.2.Liz Peek critiques California Governor Gavin Newsom, a potential 2028 presidential candidate, citing California'sstruggles with homelessness, illegal immigration, and a wealth tax driving residents away, characterizing him as a catastrophe whose record undermines his viability.3.Judy Dempsey and Thaddeus Mart dismiss Poland's reparation demands from Russia as political jostling, criticize Senator Rubio's visit to Hungary for bolstering Viktor Orbán, and note the Wagner Group's reported return to Europe as destabilizing.4.Judy Dempsey and Thaddeus Mart identify a leadership void in Europe, noting weakness in Macron and Starmer, arguing Europe possesses treaty tools for defense but lacks political will, often blaming Donald Trump rather than addressing internal paralysis.5.Mary Kissel praises Secretary Rubio's Munich speech for emphasizing Western defense but notes he was softer on China than expected, arguing Europe only strengthens military commitments when shamed by the US or facing immediate threats.6.Mary Kissel analyzes the massive US naval deployment near Iran as a credible threat to force regime compliance, dismissing Iran's military drills in the Straits of Hormuz as feeble, suggesting the administration will use force if Tehran refuses dismantlement.7.Jonathan Schanzer of the Foundation for Defense of Democracies analyzes Turkish Foreign Minister Hakan Fidan's disingenuous peace efforts, discusses US demands for Iran's total nuclear dismantlement, and highlights strategic confusion regarding the Board of Peace and Hamas supporters' involvement.8.Jonathan Schanzer describes Syria as effectively a Turkish proxy state viewed with danger by the region, discussing President Trump's announcement of five billion dollars from the Board of Peace for Gaza while expressing skepticism about Turkey and Qatar's reconstruction roles.9.Joseph Sternberg of the Wall Street Journal discusses European leaders finally addressing the continent's economic dysfunction compared to the US, noting proposals for a twenty-eighth regime to simplify business laws while politicians like Meloni and Merz face challenges balancing welfare states with growth reforms.10.Joseph Sternberg analyzes Prime Minister Keir Starmer's crash and burn scenario despite a large parliamentary majority, weakened by scandals and party infighting, with survival relying on the lack of compelling alternatives while constant policy reversals leave his government unable to foster growth.11.Alejandro Peña Esclusa details his transition from businessman to Venezuela's first political prisoner as Hugo Chávez, aided by the São Paulo Forum, dismantled democracy, recounting cacerolazo pot-banging protests and how the regime systematically destroyed the economy and persecuted dissenters.12.Alejandro Peña Esclusa discusses the reported capture of Nicolás Maduro, described as a Cuban asset and drug cartel leader, noting Venezuelans are cautiously celebrating with open protests while threats remain from radical groups and international friction regarding the transition.13.Gregory Copley of Defense & Foreign Affairs discusses the US deployment of one hundred troops to Nigeria to counter ISIS and Boko Haram, arguing stability requires addressing economic disenfranchisement from damming the River Niger rather than treating symptoms with military advisors.14.Gregory Copley reports Nigerian President Tinubu advocates for an African credit rating agency to reduce reliance on external assessments from firms like Moody's, reflecting growing desire for statistical independence and better quantification of local economies to attract investment.15.Gregory Copley argues Europe suffers from a leadership vacuum caused by post-WWII dependency on the US and bureaucratic corrosion within the EU, with economic recovery requiring slashing regulations as current welfare models become unsustainable amidst geopolitical threats.16.Gregory Copley notes that despite scandals surrounding Prince Andrew, the Royal Family remains essential glue holding the UK and Commonwealth together, with the King and working royals performing vital diplomatic functions while spares struggle without defined roles.