Podcasts about rates

How do you keep your AI agent accurate when the product changes every week? Bobby Stapleton, Senior Director, Human Support, Intercom, chats with Ruth O'Brien, Senior Director, AI Support, Intercom, about how Intercom's support team maintains 75%+ resolution rates - from the processes behind new product launches to the culture of continuous improvement across both AI and human teams.Watch on YouTube: https://youtu.be/7poemldqBjc?si=DQ8C4Z_0aqzLbzccFollow the peoplehttps://www.linkedin.com/in/ruthieob/https://www.linkedin.com/in/bobbystapleton/NewsletterSign up for The Ticket on LinkedIn: A newsletter bursting with insights and advice for support leaders who are navigating the shift to AI-first CS. https://www.linkedin.com/newsletters/the-ticket-7158151857616355328/Check out our /ideas podcast: https://youtu.be/GPkDfauTz6I?si=oFDgt6Phe4jBG0ZUFollow The Ticket podcast:Apple Podcasts https://podcasts.apple.com/gb/podcast/the-ticket-discover-the-future-of/id996103731Spotify: https://open.spotify.com/show/6zlcXgcd2kX9E4cbQTCsR9YouTube: https://www.youtube.com/playlist?list=PLlCIldMZCaFrn43ZNAiw00icA-nRW5wVFRSS Feed https://art19.com/shows/inside-intercomSay hiLinkedIn: https://www.linkedin.com/company/intercom/X: https://x.com/intercomhttps://www.fin.aiSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Host Jennifer Sanasie breaks down the latest news in the crypto industry as the U.S. added 147,000 jobs in June.The U.S. economy added 147,000 jobs in June with the unemployment rate falling to 4.1%. Do the strong numbers indicate that the Fed might keep rates steady? Plus, leaders at the SEC are reviewing the agency's recent approval of a Grayscale application to turn the Digital Large Cap Fund into an ETF. CoinDesk's Jennifer Sanasie hosts “CoinDesk Daily.”-This episode was hosted by Jennifer Sanasie. “CoinDesk Daily” is produced by Jennifer Sanasie and edited by Victor Chen.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Properties for Sale on the North Side?  We want to buy them. Email: StraightUpChicagoInvestor@gmail.com Have a vacancy? We can place your next tenant and give you back 30-40 hours of your time. Learn more: GCRealtyInc.com/tenant-placement Has Property Mgmt become an opportunity cost for you? Let us lower your risk and give you your time back to grow. Learn more: GCRealtyinc.com ============= Jake Clopton, President of Clopton Capital, has successfully been running his commercial lending business for over 17 years.  Jake shares how he grinded early in his career to get off the ground, and emphasizes the value of cold calling. He explains the different types of interest rates and provides the current state of rates. Jake speaks about macro-level economics including the stagflationary environment in today's market. In typical SUCI fashion, he closes out with a bullish outlook on Chicago! If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! ============= Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Jake Clopton, Clopton Capital Link: Jake Clopton's LinkedIn Link: Jake Clopton's Instagram Link: Never Split the Difference (Book Recommendation) Link: Elevate Energy (Network Referral) Guest Questions 02:07 Housing Provider Tip - Understand how to prioritize emergency work orders. 04:10 Intro to our guest, Jake Clopton! 12:20 Surviving as a lender during the real estate crash. 19:20 Jake's “tipping point” deal! 20:21 The state of interest rates. 28:56 Rates on residential real estate. 34:04 Jake's predictions on rates and the RE market! 41:53 The 101 on Stagflation. 43:50 Jake's bullish remarks on Chicago! 48:05 What is your competitive advantage? 48:32 One piece of advice for new investors. 49:06 What do you do for fun? 49:17 Good book, podcast, or self development activity that you would recommend?  50:06 Local Network Recommendation?  51:40 How can the listeners learn more about you and provide value to you? ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2025.

Ian Lyngen and Ben Jeffery bring you their thoughts on the U.S. Rates market for the upcoming week of July 7th, 2025, and respond to questions submitted by listeners and clients.

We're heading into a holiday weekend, but the news won't let up. Host Ali Vallarta and executive producer Emily Means break down the biggest stories of the week, from Salt Lake City's downtown parking prices to Jordan Clarkson's departure from the Utah Jazz.  Resources and references: What Utah Lands Are at Risk Under Mike Lee's Newest Bill? [City Cast Salt Lake] Salt Lake County fireworks page Salt Lake City parking updates Every Park SLC Become a member of City Cast Salt Lake today! It's the best way to support our work and help make sure we are around for years to come. Get all the details and sign up at membership.citycast.fm. Subscribe to Hey Salt Lake, our daily morning newsletter. You can also find us on Instagram @CityCastSLC.  Looking to advertise on City Cast Salt Lake? Check out our options for podcast and newsletter ads. Learn more about the sponsors of this episode:  Stein Eriksen Learn more about your ad choices. Visit megaphone.fm/adchoices

Another day of jobs data and trade deals: Sara Eisen, David Faber, and Wilfred Frost broke down the latest as the President announces a new deal with Vietnam. Key details, this hour. Plus: Oppenheimer's Chief Investment Strategist gave his take on the action – before the team caught up with Valueworks Founder Charles Lemonides, who discussed his investments in Rivian, Joby, Amazon, and Micron.  Also in focus: a number of huge movers, from Centene shares on pace for their worst day *ever* to new numbers out of Constellation Brands… What investors should know about both names. Plus, the big banks playbook as the group sees gains across the board on the promise of dividend hikes and buyback boosts ahead. 

Supply, Stalemate, and Strategy: A Data-Centric View on U.S. Housing with Chris Nebenzahl   Locked-In America: The Housing Market's Great Stall The U.S. housing market isn't just tight, it's inert. As Chris Nebenzahl, Housing Economist at John Burns Research and Consulting, puts it, America is experiencing a “lock-in effect” where millions of homeowners, beneficiaries of sub-3% mortgages from a prior era, have no incentive to move. Transactions, both in the for-sale and rental segments, are stalling. Inventory is constrained by economic rationality, not lack of demand. “The housing market thrives on constant moves,” Nebenzahl says. “But right now, across the housing spectrum, people are locked in.”   The result: record-low turnover in single-family and multifamily rentals, with occupancy propped up by immobility rather than expansion. In such a frozen ecosystem, prices remain surprisingly buoyant despite high rates – a divergence from textbook supply-demand dynamics.   The 5.5% Mortgage Threshold: A Reopening Trigger? The most actionable insight from Nebenzahl's research: housing won't truly unfreeze until mortgage rates return to a “magic number” of approximately 5.5%. That's the psychological and financial line at which the lock-in effect starts to meaningfully ease, based on historical demand models and borrower behavior.   With mortgage rates stuck between 6.5% and 7.5%, this still feels a long way off. Until that number is achieved, or until housing prices decline significantly, mobility will remain stifled. Notably, certain regions such as Florida, Texas, Arizona, and Tennessee are already seeing modest price declines, indicating that some pressure is starting to break through.   But Nebenzahl is clear: this isn't a repeat of 2008. “Nationwide, I think we'll see maybe a 1–2% decline in home values. We're nowhere near GFC territory,” he says. The real estate crash of yesteryear was a systemic event; today's stalling is more friction than fissure.   Bifurcation in Geography and Performance The story of U.S. housing is increasingly one of regional divergence. “It's a tale of two markets,” Nebenzahl observes. Northeast, Midwest, parts of the West Coast: Supply remains tight, pricing is stable or even rising, and rent growth is positive particularly in cities like Boston, Chicago, and San Francisco. Sunbelt metros like Austin, Dallas, Denver, Nashville: Facing ongoing rent declines and incentives as a wave of multifamily supply catches up with (and briefly outpaces) demand. What's driving this? In one word: inventory. “Austin, for example, has seen the most supply as a percentage of existing stock. That's softened rents, even though demand remains strong.”   The Quiet Strength of Rentals Despite oversupply in some markets, multifamily is holding up. Rents have stabilized, absorption remains healthy, and rent-to-income ratios are generally favorable. Nationwide, that ratio sits around 25%, well below the 30% threshold for ‘rent burden.' Even in supply-saturated markets like Austin, ratios hover near 20%, laying a foundation for recovery.   Why this resilience? A few reasons: Affordability gap: With for-sale housing out of reach for many due to both price and interest rates, renting becomes the only viable option. Mobility hedge: In uncertain economic times, the flexibility of a 12-month lease is more appealing than a 30-year mortgage. Demographic tailwinds: New household formation, though potentially threatened by labor market softness, is still skewing towards rentals. “The lion's share of household formation is going into rental,” Nebenzahl says. “Because of affordability challenges, and because people are hesitant to make long-term commitments.”   Cracks in the Foundation: Where Distress May Surface Still, there are stress points, especially in assets underwritten in the froth of 2021. “I'd be watching older vintage assets in oversupplied markets,” he says. “Many of those were acquired with floating rate debt and pro formas that didn't anticipate interest rates going from 0% to 5.5% overnight.”   These deals are now colliding with debt maturities, declining rents, and underwriting models that assumed permanent appreciation. That said, he does not forecast widespread defaults – more likely, selective distress in marginal players.   Risks on the Horizon: Immigration, Labor, and Fragility Beyond rates and rent rolls, Nebenzahl highlights three structural risks that CRE professionals should monitor closely: Immigration policy: Rental demand and construction labor both depend heavily on immigrant populations. Recent restrictions, including H1-B visa tightening and deportations, have had a measurable cooling effect. “Immigrants rent across the income spectrum,” he notes. “A slowdown hits both the demand side and the build (supply) side.” Aging trades workforce: With fewer young workers entering skilled trades, the industry faces a slow-burning capacity problem. The average age of electricians, plumbers, and roofers is steadily rising, and backfilling this labor pool remains an unsolved challenge. Tariffs and supply chain volatility: Tariffs on building materials could push up construction costs 2–3%, and as Nebenzahl notes, those costs would disproportionately impact steel-heavy high-rise multifamily more than low-rise SFR or garden-style.   Monetary Fog: The Fed, Rates, and Global Perception Much of the future, however, depends on interest rates and here Nebenzahl expresses qualified caution. While he believes we are “above neutral” levels now, he doesn't expect a return to near zero interest rates. “Even in a mild recession, I don't see the 10-year Treasury falling below 3–3.5%,” he says.   But more troubling is what he calls the “qualitative fog”: rising geopolitical tension, politicization of monetary policy, and eroding investor trust in American stability. “We're hearing less ‘there is no alternative' about the U.S.,” he says. “Foreign capital is pausing. Not exiting – but pausing.” That loss of automatic confidence in U.S. housing and Treasuries could ripple through cap rates and investment demand far more than a 25-basis-point Fed decision.   What to Watch: Nebenzahl's Key Indicators For professionals managing exposure in this market, Nebenzahl advises watching: Job growth – Still the most reliable proxy for household formation. Household formation – Where people are forming new households, rentals are likely to benefit. Treasury market confidence – A real-time referendum on U.S. economic credibility.   Final Thoughts: Where He'd Put $1 Million Today Asked how he'd allocate $1M today, Nebenzahl doesn't hesitate: “I'd split it between Midwest and Sunbelt rentals, multifamily and build-to-rent.”   He's not holding cash. He's not forecasting a crash. He's betting on rental fundamentals and long-term demographic logic.   “There's dry powder waiting to be deployed,” he concludes. “And multifamily is still one of the most institutionally resilient plays in U.S. real estate.”   *** In this series, I cut through the noise to examine how shifting macroeconomic forces and rising geopolitical risk are reshaping real estate investing.   With insights from economists, academics, and seasoned professionals, this show helps investors respond to market uncertainty with clarity, discipline, and a focus on downside protection.    Subscribe to my free newsletter for timely updates, insights, and tools to help you navigate today's volatile real estate landscape. You'll get: Straight talk on what happens when confidence meets correction - no hype, no spin, no fluff. Real implications of macro trends for investors and sponsors with actionable guidance. Insights from real estate professionals who've been through it all before. Visit GowerCrowd.com/subscribe Email: adam@gowercrowd.com Call: 213-761-1000

Apply for the Gemini Credit Card: https://Gemini.com/BDS #GeminiCreditCard #CryptoRewards This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The guys dive into Bob's trip to Nantucket, Buy/Sell Segment, Ask Bob and finish it off with Snake Draft Top 5 Current NBA Lineups https://bit.ly/3jyUxPg Social Media: Instagram: https://www.instagram.com/thebrilliantlydumbshow/ Tik Tok: https://www.tiktok.com/@thebrilliantlydumbshow?lang=en Follow Bob: Instagram: https://www.instagram.com/brilliantlydumb/ Tik Tok: https://www.tiktok.com/@brilliantlydumb?lang=en Twitter: https://twitter.com/RobbyBerger Follow Cold Cuts: Instagram: https://www.instagram.com/joey.coldcuts/ Tik Tok: https://www.tiktok.com/@joey.coldcuts Twitter: https://twitter.com/Cutsysays Follow Beardown: Instagram: https://www.instagram.com/beardowncuz/ Twitter: https://twitter.com/BeardownCuz The Gemini Credit Card is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. See Rewards Program Terms for details. Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. To qualify for the $200 crypto bonus, you must spend $3,000 within 90 days of account opening. Terms apply. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.

It's YOUR time to #EdUp⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click here to support Elvin & Joe!In this episode, brought to YOU by HigherEd PodConYOUR guest is Gavin Cooney, CEO & Founder, Learnosity YOUR host is ⁠⁠⁠⁠⁠⁠Dr. Jodi (Ashbrook) Blinco⁠, Vice President for Enrollment Management Consulting, ⁠EducationDynamics How is AI transforming assessment creation & feedback in education? What makes Learnocity's "building block" approach unique in the EdTech landscape? How is AI-powered feedback doubling completion rates in GED programs? Why is authentic assessment becoming more accessible with AI assistance? What should higher education leaders know about adapting to AI disruption? Topics include:Scaling assessment delivery across 40 million users worldwide Creating AI tools that enhance rather than replace human instruction Developing "Author Aid" to generate & customize assessment content Implementing "Feedback Aid" to reduce faculty workload & improve student outcomes Building accessibility features for diverse learning needs Listen in to #EdUpThank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp!Connect with YOUR EdUp Team - ⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Elvin Freytes⁠⁠⁠⁠⁠⁠⁠⁠⁠ & ⁠⁠⁠⁠⁠⁠⁠⁠⁠ Dr. Joe Sallustio⁠⁠⁠⁠● Join YOUR EdUp community at The EdUp Experience!We make education YOUR business!P.S. If YOU like what YOU hear, feel free to​ ⁠support our efforts to keep us going!

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about the stabilization of the housing market over the last few weeks and what that means for home sales and home prices. Related to this episode: Have slightly lower mortgage rates stabilized the housing market? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

In the latest episode of the pod Andy and Amelia are talking about the latest stories that are important to you and your money. Including:  July savings update - including best rates Up to £175 on offer with NatWest switch 3 savers, 50k in premium bonds: 1 year update And more! For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:00 Latest poll results 02:00 NatWest switch offer 08:57 July savings update 22:17 3 savers, 50K premium bonds update  ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Get MORE Bad Friends at our Patreon!! https://www.patreon.com/badfriends Thank you to our Sponsors: Shopify, Gemini, ZocDoc, Factor & TalkSpace • Shopify: Sign up for your $1 per month trial period at https://shopify.com/badfriends • ZocDoc: Stop putting off those doctors appointments and go to https://Zocdoc.com/BADFRIENDS to find and instantly book a top-rated doctor today. • Gemini: To sign up, go to https://gemini.com/badfriends to get $200 in bitcoin when you spend $3,000 in your first 90 days.* • Factor: Get 50% off at https://factormeals.com/badfriends50off with promo code BADFRIENDS50OFF • TalkSpace: Get $80 off of your first month when you go to https://Talkspace.com and enter code SPACE80 YouTube Subscribe: http://bit.ly/BadFriendsYouTube Merch: http://badfriendsmerch.com More Bobby Lee TigerBelly: https://www.youtube.com/tigerbelly Instagram: https://www.instagram.com/bobbyleelive Twitter: https://twitter.com/bobbyleelive Tickets: https://bobbylee.live More Andrew Santino Whiskey Ginger: https://www.youtube.com/andrewsantinowhiskeyginger Instagram: https://www.instagram.com/cheetosantino Twitter: https://Twitter.com/cheetosantino Tickets: http://www.andrewsantino.com More Juicy Instagram: https://www.instagram.com/jetskijohnson/?hl=en More Fancy SOS VHS: https://www.youtube.com/@SOSVHS Instagram: https://www.instagram.com/fancyb.1 More Bad Friends iTunes: https://podcasts.apple.com/us/podcast/bad-friends/id1496265971 Instagram: https://www.instagram.com/badfriendspod/ Twitter: https://twitter.com/badfriends_pod Official Website: http://badfriendspod.com/ *#GeminiCreditCard #CryptoRewards This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini.The Gemini Credit Card is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees. Some exclusions apply to instant rewards; these are deposited when the transaction posts. See Rewards Program Terms for details. Checking if you pre-qualify will not impact your credit score. If you pre-qualify and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Pre-qualification does not guarantee approval. To qualify for the $200 crypto bonus, you must spend $3,000 within 90 days of account opening. Terms apply. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results. Opening Credits and Branding: https://www.instagram.com/joseph_faria & https://www.instagram.com/jenna_sunday Credit Sequence Music: http://bit.ly/RocomMusic // https://www.instagram.com/rocom Character Design: https://www.instagram.com/jeffreymyles Bad Friends Mosaic Sign: https://www.instagram.com/tedmunzmosaicart Produced by: 7EQUIS https://www.7equis.com/ Podcast Producer: Andrés Rosende This episode contains paid promotion. #bobbylee #andrewsantino #badfriends #sponsored #ads Learn more about your ad choices. Visit megaphone.fm/adchoices

New York Mayoral candidate Zorhan Mamdani was on Meet The Press and didn't denie he wanted to tax "whiter" neighborhoods at a higher rate. Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

What's your optimal flow rate during CIP and what happens if you don't hit it? Special Guest: Travis Audet.

With the summer real estate market heating up, we welcomed local mogul and infamous Terps supporter Creig Northrop in from Howard County to talk real estate, fed rates and real college sports with Nestor. Some great tips here for how to list and sell a home in any market. The post Creig Northrop talks real estate, rates and real college sports with Nestor first appeared on Baltimore Positive WNST.

With Rohan O'Neill Stevens, Tina Nixon, Paula Southgate, Campbell Barry and Nīkau Wi Neera

Want more MTM Vegas? Check out our Patreon for access to our exclusive weekly aftershow! patreon.com/mtmvegas Episode Description This week news broke that Hard Rock has changed some aspects of the guitar tower. With more rooms and a reduction of spa space, does this mean they are cutting back or have plans just changed? Plus find out what is growing under the new plans and what the new Hard Rock Las Vegas Guitar Tower construction looks like now. In other #news Vegas is slow this summer so we take a look at rates at the same time people are discussing what the city can do to draw tourists back. We also discuss: Elaine Wynn's condo, Virgin's two story Garden Villa, hot dog inflation at Casino Royale, the A's groundbreaking ceremony, denying payment because of a player's card and where you can soon eat NYC's oldest dim sum in Vegas. Episode Guide 0:00 Vegas hotdog inflation 0:35 A's “groundbreaking” ceremony & doubts created 2:31 BLVD update - Vast improvement over what came before 4:02 Eataly's new entrance is now open 4:40 What can Vegas do to instantly attract more tourists? 8:01 A look inside Elaine Wynn's condo - Now for sale 9:22 Virgin's two story Grand Villa 11:27 The next Vegas pedestrian bridge 12:35 A look at Vegas Summer room rates 15:32 Denying jackpots based on the players card? 17:10 NYC's oldest dim sum is coming to Vegas 19:09 Mirage Guitar Update - Cutbacks or “refined” planning? 21:21 Guitar construction update & debating views   Each week tens of thousands of people tune into our MtM Vegas news shows at http://www.YouTube.com/milestomemories. We do two news shows weekly on YouTube with this being the audio version. Never miss out on the latest happenings in and around Las Vegas! Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Podcasts, Spotify or by searching "MtM Vegas" or "Miles to Memories" in your favorite podcast app. Don't forget to check out our travel/miles/points podcast as well!

Ian Lyngen and Ben Jeffery bring you their thoughts on the U.S. Rates market for the upcoming week of June 30th, 2025, and respond to questions submitted by listeners and clients.

Investors are growing increasingly confident that the Federal Reserve will cut interest rates by the end of the year, as labor market data has shown signs of cooling in recent weeks.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:13 Sponsor: Tangem00:50 88% Chance01:16 Replacement this summer01:46 FOX: Should Trump be allowed to fire the Fed Chair03:34 Who should Trump choose?03:50 Fed Gov. Waller04:43 Elizabeth Warren: It's Trump not Powell06:33 Powell's approval rating07:00 GDP08:08 CNBC: How should you invest in this market10:05 Foreign investors10:30 Judge denies XRP case10:55 Polymarket x TIME11:30 ETH Conference13:00 USDG13:15 Outro#Crypto #Bitcoin #federalreserve ~Fed Rate Cut Chances Rising

The DM and EM FX strategy team discuss the new themes for currencies heading into 2H25.    Speakers: Meera Chandan, Global FX Strategy Arindam Sandilya, Global FX Strategy Patrick Locke, Global FX Strategy James Nelligan, Global FX Strategy Antonin T Delair, Global FX Strategy Ben Jarman, Global Economics, Rates & FX Strategy Junya Tanase, Global FX Strategy Anezka Christovova, Emerging Markets Octavia Popescu, Global FX Strategy Kunj J Padh, Global FX Strategy Ikue Saito, Global FX Strategy   This podcast was recorded on 27 June 2025. This communication is provided for information purposes only. Institutional clients can view the related report at https://www.jpmm.com/research/content/GPS-5018024-0, https://www.jpmm.com/research/content/GPS-4996209-0, for more information; please visit www.jpmm.com/research/disclosures for important disclosures. © 2025 JPMorgan Chase & Co. All rights reserved. This material or any portion hereof may not be reprinted, sold or redistributed without the written consent of J.P. Morgan. It is strictly prohibited to use or share without prior written consent from J.P. Morgan any research material received from J.P. Morgan or an authorized third-party (“J.P. Morgan Data”) in any third-party artificial intelligence (“AI”) systems or models when such J.P. Morgan Data is accessible by a third-party. It is permissible to use J.P. Morgan Data for internal business purposes only in an AI system or model that protects the confidentiality of J.P. Morgan Data so as to prevent any and all access to or use of such J.P. Morgan Data by any third-party.

Join Sarah for a rundown of this week's updates for insurance agents, featuring her deep dive into the CMS 2025 ACA Marketplace Integrity and Affordability Final Rule.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Connect With Us On Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Resources: 5 Things About the Insurance License Exam, 1 Year Later: https://lnk.to/asgf20250620 Are You Self-Sabotaging Your Insurance Sales Success? https://ritterim.com/blog/are-you-self-sabotaging-your-insurance-sales-success/ Four Reasons Why Ritter Should Be Your FMO Insurance Agency: https://ritterim.com/blog/four-reasons-why-ritter-should-be-your-fmo-insurance-agency/ How to Build Intentional Value ft. Neil Reich: https://lnk.to/reich2025 Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Seven Figures or Bust Episode 79 - What Is CMS Doing? w/ Special Guest Sarah Rueppel! https://lnk.to/qzTwIw Summer 2025 Survival Guide: https://lnk.to/asgf20250606   References: “2025 Marketplace Integrity and Affordability Final Rule.” CMS.Gov, CMS, 20 June 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-final-rule. “2025 Marketplace Integrity and Affordability Proposed Rule.” CMS.Gov, Centers for Medicare and Medicaid Services, 10 Mar. 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-proposed-rule. “CMS Finalizes Major Rule to Lower Individual Health Insurance Premiums for Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 20 June 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-major-rule-lower-individual-health-insurance-premiums-americans. Minemyer, Paige. “CMS Finalizes Rule Aimed at ‘improper' Sign-Ups on the ACA Exchanges.” Fiercehealthcare.Com, Fierce Healthcare, 20 June 2025, www.fiercehealthcare.com/regulatory/cms-finalizes-rule-aimed-improper-sign-ups-aca-exchanges. Minemyer, Paige. “Democrats Introduce Bill to Establish a Medicare ‘part E' Public Option.” Fiercehealthcare.Com, Fierce Healthcare, 16 June 2025, www.fiercehealthcare.com/regulatory/democrats-introduce-bill-establish-medicare-part-e-public-option. Mercado, Darla. “Fed Decision Recap: Central Bank Signals Stagflation Fears, Powell Says Fed ‘Well Positioned to Wait' on Rates.” CNBC.Com, CNBC, 18 June 2025, www.cnbc.com/2025/06/18/fed-meeting-live-updates-feds-interest-rate-projections-loom.html. “HHS Secretary Kennedy, CMS Administrator Oz Secure Industry Pledge to Fix Broken Prior Authorization System.” HHS.Gov, Department of Health & Human Services, 23 June 2025, www.hhs.gov/press-room/kennedy-oz-cms-secure-healthcare-industry-pledge-to-fix-prior-authorization-system.html. Minemyer, Paige. “Mehmet Oz: Insurers' Prior Auth Pledge ‘an Opportunity for the Industry to Show Itself.'” Fiercehealthcare.Com, Fierce Healthcare, 23 June 2025, www.fiercehealthcare.com/regulatory/oz-insurers-prior-auth-pledge-opportunity-industry-show-itself. “Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability. Accessed 25 June 2025. Schneider, Howard. “Powell Repeats Rate Cuts Can Wait as Fed Studies Tariff Impacts.” Reuters.Com, Reuters, 24 June 2025, www.reuters.com/business/powell-repeats-rate-cuts-can-wait-fed-studies-tariff-impacts-2025-06-24/. Simmons-Duffin, Selena. “RFK Jr. and Dr. Oz Say Health Insurers Will Cut Red Tape on ‘Prior Authorizations.'” NPR.Org, NPR, 24 June 2025, www.npr.org/sections/shots-health-news/2025/06/24/nx-s1-5442713/rfk-jr-dr-oz-health-insurance-prior-authorization.   Not affiliated with or endorsed by Medicare or any government agency.

SUMMARY: Rates fell this week as the economy retraced more in the first quarter than orignally thought, PCE comes in slightly hotter than expected but personal income was a big miss, new home sales plummet in May, and pending home sales give some hope for a better housing market than last year...DISCLAIMER: TowneBank Mortgage, NMLS #512138, is an equal housing lender. This podcast is for informational purposes only. Hosted by Tyler Cralle #2028201

A benign monthly CPI print for May led us to bring forward our next RBA rate cut forecast to July. Belinda Allen and Harry Ottley from the Australian Economics team run through the details of the change in call as well as deep dive into the CPI print.   Important Information    This podcast is approved and distributed by Global Economic & Markets Research (“GEMR”), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”).   Before listening to this podcast, you are advised to read the full GEMR disclaimers which can be found at www.commbankresearch.com.au.   No Reliance   Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA Data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on Bank customer transactions, it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group Privacy Statement. The Bank believes that the information in this podcast is correct, and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer   The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.

Secretary of Health and Human Services Robert F. Kennedy, Jr. has spent years spreading doubt about the safety of vaccines and linking them to autism. Dozens of studies have debunked the theory, but it has nevertheless persisted for years. Part of the reason why may be that autism diagnoses have soared over the last few decades.Dr. Allen Frances is psychiatrist who led the task force that created the fourth edition of the Diagnostic and Statistical Manual of Mental Disorders, which expanded the definition of Autism. Frances says that expanded definition played a role in the increase.Rates of autism have exploded in recent decades. Could the clinical definition of autism itself be partly to blame? For sponsor-free episodes of Consider This, sign up for Consider This+ via Apple Podcasts or at plus.npr.org. Email us at considerthis@npr.org.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Enhancing Payment Integrity in Health Systems: An In-depth Discussion with Kimberly Carleson. In Episode 481 of Relentless Health Value, host Stacey Richter speaks with Kimberly Carleson, CEO of US Beacon, about payment integrity within health systems. They delve into strategies some hospitals use to maximize revenue without raising rates and discuss the importance of accurate billing.  Key takeaways include the high prevalence of billing errors, which can lead to significant overcharges for plan sponsors, often due to documentation gaps and complex coding systems. Kimberly provides actionable advice for both healthcare providers and plan sponsors on how to mitigate billing inaccuracies and enhance transparency.  Emphasized points include the necessity of third-party claim audits, understanding legal rights under various acts, and the importance of maintaining clear communication and compliance with legal billing standards. === LINKS ===

This episode of 'The European Market Brief' introduces listeners to the European derivatives and fixed income markets. Hosted by Mark Longo from the Options Insider Radio Network, the show delves into trading strategies, liquidity, and market trends specific to European rates, comparing them with US counterparts. Guests Russell Rhodes (Indiana University), Rex Jones (Eurex), and James Sewell (Marex) offer valuable insights into products like BUN, BOBL, and SCHATZ futures, and discuss recent market activities, including the impact of potential massive fiscal spending in Germany and ongoing global geopolitical tensions. The episode also covers the transition from LIBOR to alternatives like EUROSTR, providing listeners with a comprehensive understanding of current opportunities and challenges in the European trading landscape.   01:22 Welcome to the European Market Brief 02:32 Episode 4 Kickoff and Listener Appreciation 03:53 Guest Introductions: Russell Rhodes and Rex Jones 07:06 Guest Introduction: James Sewell 08:41 Continental Conversations: Exploring European Rates 10:14 Diving into European Rates Products 16:51 Comparing US and European Rates Markets 19:43 Liquidity and Trading Hours in European Rates 26:05 Open Interest and Speculative Activity 31:24 LIBOR Transition and New European Rates Products 33:14 Regional Differences in Interest Rates 33:51 Issues with LIBOR and Transition to New Rates 34:44 European Rate Products and Market Gaps 36:38 Short-Term Euro Interest Rate Futures 39:06 Option Strategies in European Rates 43:29 Divergence Between US and European Rates 51:44 Impact of German Fiscal Policies on Rates 53:56 Future Trading Opportunities and Market Catalysts 58:05 Conclusion and Contact Information  

Struggling to keep all the rate-law rules and enzyme facts straight? In this Jack Westin MCAT Podcast episode, Mike and Molly break down exactly what the AAMC expects you to know—no fluff, just high-yield kinetics you'll see on Test Day.What we cover in Part 1* Big-picture difference between K (equilibrium) vs k (rate)* The Arrhenius equation & how Ea and T really control reaction speed* How to recognize zeroth, first & second-order rate laws in passages* Why the rate-determining step rules every multi-step mechanism* How enzymes lower activation energy, plus active site basics* Essential vocab: apoenzyme → holoenzyme, cofactors vs coenzymes* The Induced-Fit Model (forget “lock-and-key” oversimplifications)* Fast recall with the LIL HOT enzyme-classification mnemonicBy the end you'll be able to:✅ Write and manipulate rate laws with confidence✅ Predict how temp or catalysts shift reaction speed✅ Decode enzyme names on the fly and spot catalytic tricks the MCAT lovesNext up in Part 2: Michaelis–Menten kinetics, Km/Vmax shortcuts, and inhibitor patterns—so make sure you're subscribed and turn on notifications!Want to learn more? Shoot us a text at 415-855-4435 or email us at podcast@jackwestin.com!

We share the key macroeconomic signals and policy decisions affecting commercial real estate as we move into the second half of 2025. From declining retail sales and builder sentiment to insights from the latest FOMC meeting, we explore how economic headwinds are influencing CRE strategy, pricing gaps, and transaction volume. Tune in for analysis on capital access, operational priorities, the evolving definition of real assets, and takeaways from the recent CREFC Annual Conference. Key Moments:01:16 Economic indicators: Retail sales05:02 Economic indicators: Housing data10:26 FOMC meeting highlights14:26 Summary of Economic Projections15:15 Major themes: Higher for longer16:20 Major themes: Price vs. value17:23 Major themes: Operations and cash flow18:38 Major themes: Lumpy transactions20:59 Major themes: Real asset merge24:23 CREFC Annual Conference Insights31:12 Upcoming Episodes and Data Releases Resources Mentioned:Advance retail sales: https://www.census.gov/retail/sales.html NAHB Housing Market Index: https://www.nahb.org/News-and-Economics/Housing-Economics/Indices/Housing-Market-Index FOMC Summary of Economic Projections: https://www.federalreserve.gov/monetarypolicy/fomcprojtabl20250618.htm CREFC Annual Conference 2025 – Key takeaways: https://www.altusgroup.com/insights/crefc-annual-conference-2025-key-takeaways/ Email us - altusresearch@altusgroup.comThanks for listening to the “CRE Exchange” podcast, powered by Altus Group. If you enjoyed this episode, please leave a review to help get the word out about the show. And be sure to subscribe so you never miss another insightful conversation.#CRE #CommercialRealEstate #Property

Fed officials are warming up to the idea of a rate cut in July despite Powell's cautious tone. Chris Waller and Michelle Bowman say tariffs likely won't spark inflation and argue that waiting too long could hurt the labor market. While markets still expect cuts later this year, pressure is building for action sooner. In this episode, we will dicuss the current real estate market, update you on the economy and answer your questions about mortgage and real estate, LIVE.Start your stress-free loan journey todayJoin Rate Watch – we'll watch rates for youEmail: info@theeducatedhomebuyer.comConnect with Us

As tensions flare between Iran and Israel, investors are watching oil, gold, and, of course, crypto. In this episode of Bits + Bips, the panel digs into the market response to war risk, the chances the Fed will actually cut rates, and how Circle's IPO is being treated more like a meme stock than a fintech play. Plus: Why Scaramucci says we're all living in a surveillance state  Whether stablecoins are being kneecapped by U.S. regulation  When altcoin ETFs are coming And what BlackRock's Larry Fink secretly told Scaramucci about Bitcoin in 2021

The fitness podcast space looks nothing like it did when RX'D Radio started. In this episode, Shallow and Jiunta reflect on what's changed, what still matters, and why trust is the currency that separates real coaches from content creators.  Certification for professionals tired of slow progress and corrective exercise. Join the PSL1 waitlist now! https://www.pre-script.com/psl1 FREE Coach's Field Guide: https://www.pre-script.com/coachs-field-guide We've got a new sponsor! Marek Health is a health optimization company that offers advanced blood testing, health coaching, and expert medical oversight. Our services can help you enhance your lifestyle, nutrition, and supplementation to medical treatment and care. https://marekhealth.com/rxd Code RXD Don't miss the release of our newest educational community - The Pre-Script ® Collective! Join the community today at www.pre-script.com. For other strength training, health, and injury prevention resources, check out our website, YouTube channel, and Instagram. For more episodes, subscribe and tune in to our podcast. Also, make sure to sign up to our mailing list at www.pre-script.com to get the first updates on new programming releases. You can also follow Dr. Jordan Shallow and Dr. Jordan Jiunta on Instagram! Dr. Jordan Shallow: https://www.instagram.com/the_muscle_doc/ Dr. Jordan Jiunta: https://www.instagram.com/redwiteandjordan/ Coke Zero & Coaching Evolution (00:00:00) The Podcast Space Isn't What It Used to Be (00:05:28) How Social Proof and Trust Work in Coaching (00:10:05) Why Experience Still Wins (00:17:12) You Don't Get to Charge Year 10 Rates in Year 1 (00:31:01) The Price of Growth and Long-Term Success (00:33:33)

Welcome to another episode of Learn With A Lender with Christian Bachelder! In this episode Christian discusses current market conditions and interest rates. Christian shares long-term real estate investment strategies and advises on how to build generational wealth through real estate. Next, Christian shares tips for buyers navigating the current mortgage landscape. Last, Christian talks about real estate investment principles emphasizing the importance of purchase price over interest rates. If you'd prefer to watch this interview, click here to view on YouTube!  Christian Bachelder can be reached at Christian@theonebrokerage.com. This episode is brought to you by Real Geeks and Courted.io.

Nearly six decades ago, a trucker set world records by ballooning into the stratosphere. Also, Truckstop.com says that market pressure, rates, load availability and truck availability are all down. Then, low bridges can cause problems for truckers. But a pair of bridges in Iowa have developed a special reputation. And when a truck driver found himself in a jam, a local deputy and a group of inmates in Kentucky came to his aid. 0:00 – Rates are down in Week 24 of 2025 10:12 – Trucker sets world records during a ‘Magnificent Failure' 24:48 – The Truck-Eating Bridge of Davenport, Iowa 39:16 – Officer, inmates step up to help a trucker in need

Tobacco use among middle and high school students in Indiana continues to decline. College tuition rates for Indiana's undergraduate students will be paused for two years. One measure of the strength of Indiana's economy held steady for a third month according to new preliminary data. Indiana is introducing new tools on July 1st to evaluate if children and infants qualify for home and community-based services through Medicaid – some children may no longer qualify because of it. Want to go deeper on the stories you hear on WFYI News Now? Visit wfyi.org/news and follow us on social media to get comprehensive analysis and local news daily. Subscribe to WFYI News Now wherever you get your podcasts. WFYI News Now is produced by Drew Daudelin, Zach Bundy and Abriana Herron, with support from News Director Sarah Neal-Estes.

Fed Chair Jerome Powell says future trade deals may allow the Federal Reserve to cut interest rates.~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul00:00 Intro00:18 Sponsor: iTrust Capital00:55 Hearing01:10 Powell flinched?01:50 Powell: Tariffs are to blame for not cutting03:05 Incoming trade deals03:50 Housing market05:10 No cuts this year?06:04 Polymarket06:33 Powell playing politics06:50 Sen. Moreno rips Powell on inflation08:27 Trump: interviewing candidates to replace Powell10:23 Tariffs not helping budget11:37 Powell: Stablecoin bill has matured13:05 Tax bill delay13:45 Perfect Storm14:16 Paul called it15:16 Outro#Crypto #Bitcoin #federalreserve ~Jerome Powell Signals Rate Cut?

Jim Masturzo spotlights the bond market. He thinks they're “not a bad play,” expecting rate cuts this year to boost them and that equities are too expensive. He likes the medium area of the curve, around 5-7 years or longer. He's betting that once a new Fed chairman is installed in 2026, there will be a series of quick rate cuts. “The tail risk is oil.”======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

OpenVault CEO Mark Trudeau joins the podcast to discuss the big takeaways of the company's quarterly 'Broadband Insights' report. He also provides an update on how cable operators are squeezing more capacity out of HFC. Hosted on Acast. See acast.com/privacy for more information.

Apply for the Gemini Credit Card: https://Gemini.com/dumb #GeminiCreditCard #CryptoRewards This video is sponsored by Gemini. All opinions expressed by the content creator are their own and not influenced or endorsed by Gemini. The guys dive into Mikey's flight troubles, Ask Bob, Buy/Sell and finish it off with Snake Draft Top 5 Lefty Athletes https://bit.ly/3jyUxPg Social Media: Instagram: https://www.instagram.com/thebrilliantlydumbshow/ Tik Tok: https://www.tiktok.com/@thebrilliantlydumbshow?lang=en Follow Bob: Instagram: https://www.instagram.com/brilliantlydumb/ Tik Tok: https://www.tiktok.com/@brilliantlydumb?lang=en Twitter: https://twitter.com/RobbyBerger Follow Cold Cuts: Instagram: https://www.instagram.com/joey.coldcuts/ Tik Tok: https://www.tiktok.com/@joey.coldcuts Twitter: https://twitter.com/Cutsysays Follow Beardown: Instagram: https://www.instagram.com/beardowncuz/ Twitter: https://twitter.com/BeardownCuz The Gemini Credit Card is issued by WebBank. For more information regarding fees, interest, and other cost information, see Rates & Fees. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. See Rewards Program Terms for details. Checking if you're eligible will not impact your credit score. If you're eligible and choose to proceed, a hard credit inquiry will be conducted that can impact your credit score. Eligibility does not guarantee approval. To qualify for the $200 crypto bonus, you must spend $3,000 within 90 days of account opening. Terms apply. The appreciation of cardholder rewards reflects a subset of Gemini Cardholders from 10/08/2021 to 04/06/2025 who held Bitcoin rewards for at least one year. Individual results will vary based on spending, selected crypto, and market performance. Cryptocurrency is highly volatile and may result in gains or losses. This information is for general informational purposes only and does not constitute investment advice. Past performance is not indicative of future results.

SHOW SCHEDULE TUESDAY 24 JUNE 2025. The show begins in the marketplace puzzling what data the Federal Reserve sees that discourages lower rates. 1870 MANHATTAN   CBS EYE ON THE WORLD WITH JOHN BATCHELOR FIRST HOUR 9:00-9:15 #Markets: The reluctant Powell. Liz Peek The Hill. Fox News and Fox Business 9:15-9:30 #Markets: NYC votes for socialism. Liz Peek The Hill. Fox News and Fox Business 9:30-9:45 Berlin: Merz takes command. Judy Dempsey, Senior Scholar, Carnegie Endowment for International Peace in Berlin. 9:45-10:00 EU: Migration tragedies. Judy Dempsey, Senior Scholar, Carnegie Endowment for International Peace in Berlin. SECOND HOUR 10:00-10:15 #LondonCalling: Labour and the NHS. @josephsternberg @wsjopinion 10:15-10:30 #LondonCalling: The unexamined sexual violence crime starting 2007. @josephsternberg @wsjopinion 10:30-10:45 Iran: Defeated. Jonathan Schanzer, FDD 10:45-11:00 Iran: Defeated. Jonathan Schanzer, FDD continued THIRD HOUR 11:00-11:15 Iran: The day after the mullahs. Gregory Copley, Defense & Foreign Affairs 11:15-11:30 NATO: Without a mission. Gregory Copley, Defense & Foreign Affairs 11:30-11:45 Sarajevo: Small wars and a big war. Gregory Copley, Defense & Foreign Affairs 11:45-12:00 King Charles Report: Greeting Zelensky for Keir Starmer. Gregory Copley, Defense & Foreign Affairs FOURTH HOUR 12:00-12:15 Iran: B-2s and bomb damage assessment. Ryan Brobst, Bradley Bowman FDD 12:15-12:30 Russia: Making and showing a film re Navalny and his colleagues. Marianna Yarovskaya, Paul Gregory 12:30-12:45 Iran: The targets and what of the missing enrichment? David Albright, FDD 12:45-1:00 AM Iran: The targets and what of the missing enrichment? David Albright, FDD continued.

Story at-a-glance Autism rates in the U.S. have surged by 17% in just two years, with 1 in 31 children now affected — a public health crisis experts say must no longer be ignored Most diagnosed children have intellectual disabilities, debunking claims that rising rates are due to better detection of mild cases The U.S. Centers for Disease Control and Prevention (CDC) report omitted environmental factors entirely, despite mounting research linking toxins like glyphosate, heavy metals, and EMFs to neurological harm and autism-related outcomes Health Secretary Robert F. Kennedy Jr. is launching an unprecedented investigation into environmental triggers, urging researchers to “follow the science” and deliver initial findings by September to guide future action Disparities in autism rates across racial groups raise urgent questions, as Asian, Black, and Hispanic children face significantly higher diagnoses — a signal that systemic and environmental factors demand deeper scrutiny

Visit Y Street Capital to learn more about our projects. The conventional wisdom is that when the value of a country'scurrency falls relative to its trading partners, its exports become more competitive in the global market. It's no secret that the Trump Administration is aiming to bring more manufacturing back to the United States.Global flows of capital have changed since the start of the year. While the administration wishes to bring increasing levels of capital investment to the United States many of the policies are in fact having the opposite effect. President Trump has stated publicly that he wishes the US dollar to fall compared with other currencies including the Japanese Yen, the Euro, the Chinese Yuan and the Canadian Dollar.An increasing number of investors are looking for a safe haven for their capital. The US dollar has fallen by 10% since the beginning of the year against most of the major currencies. Indications are that it is forecast to fall even further when measured against other major currencies. We think that real estate investments in Canada represent a better risk adjusted proposition right now. This is based on the following observations:1) The slowdown in new construction that we have seen across the US is also present in Canada. This means that labor rates in Canada for new construction have moderated and we are seeing extremely competitive bids for new work. 2) Immigration to the US is down significantly since the start of the year and demand for new housing will decline as a result. The US has pretty much closed the door refugee claimants. This includes countries like Afghanistan where many US allies are stranded and have no path to enter the US. 3) Immigration to Canada remains in extremely high demand. The Canadian government has reduced its immigration targets slightly, but the numbers remain extremely high especially when compared to the US as a percentage of the population. 4) Interest rates in Canada are much lower for borrowing. The 5 year Canada mortgage bond is trading around 3.1% which means that a new construction and permanent financing loan could price below 4%. Rates are not that low in the US. 5) Canada is not waging a trade war against the rest of the world. While prices for certain construction commodities like electrical equipment and air conditioners will certainly be impacted by tariffs in the US, we are not seeing the same impact in Canada. Many manufacturers have operations in North America including Mexico. These goods can flow into Canada free of any tariffs under USMCA. 6) Even with new apartment supply having entered the market, vacancy rates in most Canadian cities are far below comparable US markets. 7) If the US dollar falls further as we see the Trump administration wishing, then any investment outside the US goes up in value on a relative basis. Investing is not the same as speculating on foreign exchange rates. That alone should not be a reason for investing outside the US. It's just one of many factors to consider when looking at aggregate probabilities.When we put all of these factors together, we see a compelling case for investing in Canada, even for US investors. ---------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)  

Patrick Boyle, a former Wall Street trader, rates the biggest finance movies like "The Wolf of Wall Street," "The Big Short," "Rogue Trader" and "American Psycho" for realism.Patrick's Books:Statistics For The Trading Floor: https://amzn.to/3eerLA0Derivatives For The Trading Floor: https://amzn.to/3cjsyPFCorporate Finance: https://amzn.to/3fn3rvC Ways To Support The Channel:Patreon: https://www.patreon.com/PatrickBoyleOnFinanceBuy Me a Coffee: https://www.buymeacoffee.com/patrickboyleVisit our website: https://www.onfinance.orgFollow Patrick on Twitter Here: https://bsky.app/profile/pboyle.bsky.socialBusiness Inquiries ➡️ sponsors@onfinance.org

Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.In today's episode, we go through some news stories from around the mortgage industry. Plus, Robbie sits down with Duke professor Marvin Chang for a discussion on how mortgage lenders should prioritize AI, aligning LO incentives with company incentives, driving costs down, and securing a return on investment. And we close with a look at why rates have been range-bound despite the conflict in Iran.Thank you to Optimal Blue. Optimal Blue bridges the primary and secondary mortgage markets to deliver the industry's only end-to-end capital markets platform, helping lenders maximize profitability and operate efficiently so they can help American borrowers achieve the dream of homeownership. 

Montana physical therapists are concerned that Medicaid reimbursement rates are not meeting even the cost of their care, and that a bipartisan bill was recently vetoed that would have made some key adjustments. Click on the podcast to hear from […] The post Physical Therapists Concerned Reimbursement Rates May Force Patient Exclusion, Clinic Closures first appeared on Voices of Montana.

New Yorkers are casting ballots for their choice for Mayor, Public Advocate, City Council and other citywide offices. Plus, one of the issues that's top of mind for candidates in the mayor's race is housing affordability. Also, unemployment is increasing nationwide, but in New York State it's going the other way. And finally, what New Yorkers should watch out for in the city's first heat wave of the year.

Rates of chronic illness, behavioral disorders, and neurodevelopmental challenges are rising rapidly among children, often tied to underlying gut dysfunction, nutrient deficiencies, and environmental triggers such as toxins and ultra-processed foods. Conventional treatments frequently overlook these root causes, relying instead on symptom management or medication. Functional approaches emphasize foundational lifestyle changes—clean nutrition, microbiome support, movement, sleep, and stress reduction—as powerful tools to restore health. Children are especially responsive to these changes, often experiencing rapid and dramatic improvements in behavior, mood, and physical symptoms. With education, testing, and family-centered strategies, parents can take simple, effective steps to help their children thrive. In this episode, I discuss, along with Dr. Elisa Song, Dr. Suzanne Goh, and Dr. Elizabeth Boham why a root-cause approach is just as important for children, as it is for adults. Dr. Elisa Song, MD is a Stanford-, NYU-, UCSF-trained integrative pediatrician, pediatric functional medicine expert, and mom to 2 thriving children - and she is on a mission to revolutionize the future of children's health. Dr. Song is the bestselling author of the Healthy Kids Happy Kids: An Integrative Pediatrician's Guide to Whole Child Resilience. Dr. Song created Healthy Kids Happy Kids as an online holistic pediatric resource to help practitioners and parents bridge the gap between conventional and integrative pediatrics with an evidence-based, pediatrician-backed, mom-approved approach. In her integrative pediatric practice, she's helped 1000s of kids get to the root causes of their health concerns and empowered parents to help their children thrive by integrating conventional pediatrics with functional medicine, homeopathy, acupuncture, herbal medicine, and essential oils. Dr. Song is chair of A4M's pediatric education and has lectured around the world at leading integrative and functional medicine conferences and premier parenting events. She has also been featured in hundreds of top podcasts, print and online media outlets, including the Wellness Mama podcast, BloomTV, Forbes, Healthline, MindBodyGreen, National Geographic, PopSugar, Parents, Motherly, Parade, Verywell Health, and New York Post. Dr. Suzanne Goh, co-founder and chief medical officer at Cortica, is a Rhodes Scholar and graduate of Harvard University, University of Oxford, and Harvard Medical School who has spent decades working with autistic children. Her work as a board-certified pediatric behavioral neurologist, behavioral analyst, neuroscience researcher, and author led her to create the Cortica Care Model, an innovative, whole-child approach that combines optimal medical treatment with the most effective strategies for advancing cognition, communication, and behavior. Dr. Elizabeth Boham is Board Certified in Family Medicine from Albany Medical School, and she is an Institute for Functional Medicine Certified Practitioner and the Medical Director of The UltraWellness Center. Dr. Boham lectures on a variety of topics, including Women's Health and Breast Cancer Prevention, insulin resistance, heart health, weight control and allergies. She is on the faculty for the Institute for Functional Medicine. This episode is brought to you by BIOptimizers. Head to bioptimizers.com/hyman and use code HYMAN10 to save 10%. Full-length episodes can be found here: How to Raise Healthy Kids: A Functional Medicine Approach The Surprising Causes of Autism & Why It's On The Rise Addressing The Root Causes Of Childhood Obesity

The Fed is going cut...in July. Period. Book it. Conditions have drastically changed and the officials shift is now underway. Rates are going down everywhere, including in DC.Eurodollar University's conversation w/Steve Van MetreCNBC Fed Governor Waller says central bank could cut rates as early as Julyhttps://www.cnbc.com/2025/06/20/fed-governor-waller-says-central-bank-could-cut-rates-as-early-as-july.htmlhttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

The long awaited pull back in pricing for apartments is here. These properties don't need to necessarily be poorly performing. It's the properties that were financed with bank debt from small local and regional banks. These smaller banks typically offered loans with a 20 year amortization period and if the loan was written five years ago, the 10 year Treasury yields were pretty low at 0.7%. The loan written five years ago would have been priced in the mid 4's. Oh, and here's the important part. It would have been written with a five year term. That means the loan would need to be renewed at current rates in five years and that five year period is up now. The borrower has the option to renew with the lender at the current rate with a new loan. But at today's higher rates, even if the property is performing well, the borrower is likely to be forced to bring additional cash to the table. The situation can be improved by moving out of the local bank financing into agency debt with a longer amortization period. Instead of a 20 year loan, maybe a 25 or 30 year loan will reduce the loan payment enough to make the numbers a little more palatable. --------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

The Fed held rates steady — again — and while that might not sound sexy, it triggered a deep dive into the uncomfortable parallels between today's economy and some of history's most turbulent wartime recessions. Chris and Saied unpack Powell's post-FOMC “dot plot shuffle,” exposing how forward guidance has become a PR game instead of a reliable economic compass. Spoiler: if you think shelter inflation is cooling fast, you're probably still using a 3G data plan.➡️ From Operation Iraqi Freedom to drone-led wars of tomorrow, the guys explore how conflict has become a recession trap — and not the kind that you wan to get stuck in. With unemployment lagging recession signals and AI creeping into defense strategy, the conversation gets heavy, insightful, and just the right amount of unhinged. Plus, if the U.S. government needs a Microsoft BI subscription to speed up their shelter data, Chris offers to cover it himself. That's service.

Autism rates are rising all over the world, and lots of people are wondering: why? In the U.S., HHS Secretary Robert F. Kennedy Jr. has said the cause is an "environmental toxin" and has vowed to get to the bottom of it. But we already have lots of science on this — so what does that research tell us? We talk with epidemiologist Professor Brian Lee, Associate Professor Karen Heffler, clinical psychologist Professor Catherine Lord, epidemiologist Professor Maureen Durkin, and Senior Science Researcher Dena Gassner. We want to hear your ideas for new episodes of Science Vs! Tell us via: Instagram at science_vs Bluesky at sciencevs X at @sciencevs  Email at sciencevsteam@gmail.com Voicemail at +1(774) 481-1238‬  Find our transcript here: https://bit.ly/ScienceVsAutism  In this episode, we cover: (00:00) Rates of autism are going up (03:33) The hunt for the cause of the ‘autism epidemic' (13:43) Could screen time be causing autism? (20:10) The changing definition of autism (27:48) Could this explain the rise in autism? This episode was produced by Meryl Horn, with help from Wendy Zukerman, Ekedi Fausther-Keeys, Michelle Dang, and Rose Rimler. We're edited by Blythe Terrell. Fact checking, research assistance, and consulting by Erica Akiko Howard. Mix and sound design by Bobby Lord. Music written by Emma Munger, So Wylie, Peter Leonard, Bumi Hidaka and Bobby Lord. A special thanks to the researchers we reached out to, including Professor Karen Pierce, Professor David Mandell, Professor Deborah Bilder, Professor Frédérique Bonnet-Brilhault, Dr. Helen Tager-Flusburg, Dr. Isabella de la Lara, Katherine Byrne, Professor Sven Bölte, and Dr. Whitney Worsham. Special thanks also to Lynn Keeys and Mbella Beseka, Chris Suter, Elise and Dylan, Jack Weinstein and Hunter, and Joseph Lavelle Wilson and the Zukerman Family. Science Vs is a Spotify Studios Original. Listen for free on Spotify or wherever you get your podcasts. Follow us and tap the bell for episode notifications.  Learn more about your ad choices. Visit podcastchoices.com/adchoices