Podcasts about Selective

PrizePicks, Run your game! https://prizepicks.onelink.me/LME0/ISSUES #ad  What up PEEPS! We're back with another edition of the Daddy Issues Podcast. This week it's man hips, athletes from the south, food ingredients, twitter years ago, Lil Nas X, Snoop Dogg & selective outrage, and fighting for pay.

There are some tough, tough colleges to get into these days. Why is that the case? And how can your student crack the code? Dr. Andrew Hoffman is a College Admissions Strategist who's worked in college admissions since college, including being the Director of Admissions for Swarthmore College and the Assistant Director of Undergraduate Admissions at Vanderbilt University. He leads his consulting firm with parents in mind - getting you ready for college admissions. Hear what students should know when approaching the college application process, how students can excel at college fairs, how the college admissions process works from the school's side of things, how important college essays are, and what makes a student stand out with their application. Connect with Andrew at AskDrHoffman.com and use code: COLLEGEBOUNDMENTOR for 50% off the Parent's Ultimate College Admissions Course, and Subscribe to College Bound Mentor on your favorite podcast platform and learn more at CollegeBoundMentor.com

The FBI searched former National Security Adviser John Bolton's home in Maryland on Friday in search of classified records.More details have emerged about the purge of top officials at the FBI as the agency lowers recruiting standards and the Trump Administration appoints a Co-Deputy Director to assist Dan Bongino.The Department of Justice misses the deadline to hand over Epstein files to the House Oversight Committee.A federal judge calls Alina Habba's appointment as US Attorney in New Jersey unlawful.Kilmar Abrego files a motion to dismiss the criminal charges against him citing selective and vindictive prosecution.Plus listener questions…Do you have questions for the pod? Thank you CB Distillery!Use promo code UNJUST at CBDistillery.com for 25% off your purchase. Specific product availability depends on individual state regulations.Get this new customer offer and your 3-month Unlimited wireless plan for just $15 a month at  MINTMOBILE.com/UNJUST Follow AG Substack|MuellershewroteBlueSky|@muellershewroteAndrew McCabe isn't on social media, but you can buy his book The ThreatThe Threat: How the FBI Protects America in the Age of Terror and TrumpWe would like to know more about our listeners. Please participate in this brief surveyListener Survey and CommentsThis Show is Available Ad-Free And Early For Patreon and Supercast Supporters at the Justice Enforcers level and above:https://dailybeans.supercast.techOrhttps://patreon.com/thedailybeansOr when you subscribe on Apple Podcastshttps://apple.co/3YNpW3P

Discover what's possible when you mix your own batter.  Do you know any recently-diagnosed autistic women trying to figure out what support they need? This episode is part two of my conversation with Olivia Hops, a late-diagnosed Autistic Self-Advocate and YouTuber from California. She talks about how she's learned to manage anxiety and meltdowns since receiving her autism diagnosis. Among other things, we discuss: Selective mutism during meltdowns The importance of coping mechanisms and support systems Olivia's autistic strengths Resources for other autistic business owners Tips for newly diagnosed autistic females To learn more about Olivia Hops and her work, please visit https://oliviahops.org/. —--------- This episode is part one of our conversation with Olivia Hops, which was originally released on March 3, 2022.  Olivia is the owner of Unbaked Bar, an online edible cookie dough shop, and her mission is to help autistic adults become successful business owners. She also uses her YouTube channel to spread awareness of how autism presents differently for females.  ----more---- We appreciate your time. If you enjoy this podcast and you'd like to support our mission, please take just a few seconds to share it with one person who you think will find value in it too. Follow us on Instagram: @autismpodcast  Join our community on Mighty Networks: Global Autism Community  Subscribe to our YouTube channel: Global Autism Project  We would love to hear your feedback about the show. Please fill out this short survey to let us know your thoughts: Listener Survey 

Today's disagreement is about US Selective Public High Schools. These schools, also known as “Exam Schools”, are elite publicly funded high schools that have historically relied on a single entrance exam to determine admission.  You've likely heard of many of them:In Boston, you have Boston Latin, the oldest public high school in the country. Alums include Ben Franklin and Sam Adams. In New York: You've got Stuyvesant, whose alums include U.S. Attorney General, Eric Holder, and, of coruse, Timothy Chalamet. New York also has The Bronx High School of Science, whose alums have more Nobel prizes (9) than any other high school in the world. In Northern Virginia, there's Thomas Jefferson (or TJ), established in 1985 and one of the newest selective high schools. It has spent many years rated the #1 High School in the Country by U.S. News and World Report.In the episode, we ask a number of questions: What is the purpose of these schools? Should they exist? Are standardized entrance exams the best path to meritocratic admissions? How concerned should we be about diversity and equity and whether student bodies are representative of their surrounding communities?Ian Rowe is the CEO and cofounder of Vertex Partnership Academies, a virtues-based International Baccalaureate high school in the Bronx. He is also a senior fellow at the American Enterprise Institute. His most recent books is “Agency: The Four Point Plan (F.R.E.E.) for ALL Children to Overcome the Victimhood Narrative and Discover Their Pathway to Power”Stefan Redding Lollinger is the Executive Director of Next100, a multi-issue, progressive policy think tank. He's a Scholar in Residence at American University and the first Director of a Century Foundation initiative to advance diversity and integration in schools and neighborhoods. Questions or comments about this episode? Email us at podcast@thedisagreement.com or find us on X and Instagram @thedisagreementhq. Subscribe to our newsletter: https://thedisagreement.substack.com/

49ers fans seems to forget that the Jim Harbaugh had its fair share of issues and failures too.

This week on The Bulletin, Mike Cosper and Clarissa Moll discuss President Trump and Vladimir Putin's meeting in Alaska to talk about the war in Ukraine. Then, Mr. Trump chooses a new head of the Bureau of Labor Statistics after firing the previous head for an unfavorable jobs report. Why should Christians care? Next, advances in genome sequencing allow those going through IVF to select embryos without specific disabilities or medical conditions. Finally, Steve Cuss from the CT Media podcast Being Human joins the show to talk about smart drugs in the workplace and better ways to deal with anxiety at work.   GO DEEPER WITH THE BULLETIN: - Join the conversation at our Substack. - Find us on YouTube. - Rate and review the show in Apple Podcasts. ABOUT THE GUESTS: Steve Cuss is a pastor, former chaplain, and founder of Capable Life which helps people lower internal and relational anxiety in the workplace and at home. He is the author of Managing Leadership Anxiety: Yours and Theirs and The Expectation Gap: The Tiny, Vast Space between Our Beliefs and Experience of God. Steve hosts the CT Media podcast, Being Human. ABOUT THE BULLETIN:The Bulletin is a twice-weekly politics and current events show from Christianity Today moderated by Clarissa Moll, with senior commentary from Russell Moore (Christianity Today's editor in chief) and Mike Cosper (director, CT Media). Each week, the show explores current events and breaking news and shares a Christian perspective on issues that are shaping our world. We also offer special one-on-one conversations with writers, artists, and thought leaders whose impact on the world brings important significance to a Christian worldview, like Bono, Sharon McMahon, Harrison Scott Key, Frank Bruni, and more.  The Bulletin listeners get 25 percent off CT. Go to https://orderct.com/THEBULLETIN to learn more. “The Bulletin” is a production of Christianity Today Producer: Clarissa Moll Associate Producer: Alexa Burke Editing and Mix: Kevin Morris Graphic Design: Rick Szuecs Music: Dan Phelps Executive Producers: Erik Petrik and Mike Cosper Senior Producer: Matt Stevens Learn more about your ad choices. Visit podcastchoices.com/adchoices

Mr. Joe continues his episode regarding the topic of Selective Memory. He discusses how mental illness and selective amnesia are related. Please support Mr. Joe, so I can continue on my lifelong podcast journey… https://donate.stripe.com/bIY7vS00WaFfdrydQR Mr. Joe has also started microdosing therapy and highly recommends SoulCybin. They have an incredible selection of products and blends!  Be sure to visit… https://soulcybin.org/mrjoebp  and enter coupon code MRJOEBP to save 15% off your order right now!  In addition, if you would like to browse some amazing chocolate bars, various strains of mushrooms, and dozens of other amazing microdosing products, visit PolkaDot by visiting Mr. Joe's personal link… https://gasstash.com/ref/1000/

Never miss another webinar! Sign up here: https://imahealth.org/weekly-webinars/Learn more: https://imahealth.org/dark-side-of-ssri/Selective serotonin reuptake inhibitors (SSRIs) are some of the most commonly prescribed drugs in the world. But what if the story we've been told about them is incomplete… or even dangerously misleading?This week, IMA President Dr. Joseph Varon is joined by IMA Chief Scientific Officer Dr. Paul Marik and special guest Laura Delano, author of Unshrunk: A Story of Psychiatric Treatment Resistance, for a raw and revealing discussion on the hidden harms of SSRIs. Drawing from her personal journey through—and out of—the psychiatric system, Laura sheds light on the dangers of overdiagnosis, the suppression of emotional suffering, and the pharmaceutical narratives that continue to shape mental health care.As RFK Jr. and other public health voices begin to question the influence of psychiatric medications, this timely conversation examines identity, informed consent, youth mental health, and whether psychiatry needs reform—or a total rethink. Whether you've taken these medications yourself, are currently questioning a diagnosis, or simply want a deeper understanding of the risks and realities, this is a conversation that demands your attention.URL: https://imahealth.org/dark-side-of-ssri/Keywords/Tags: ssri dangers• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Mr. Joe responds to an email, addressing his childhood memories with his mother. Mr. Joe's journey continues during his next episode, Part II. Please support Mr. Joe, so I can continue on my lifelong podcast journey… https://donate.stripe.com/bIY7vS00WaFfdrydQR Mr. Joe has also started microdosing therapy and highly recommends SoulCybin. They have an incredible selection of products and blends!  Be sure to visit… https://soulcybin.org/mrjoebp  and enter coupon code MRJOEBP to save 15% off your order right now!  In addition, if you would like to browse some amazing chocolate bars, various strains of mushrooms, and dozens of other amazing microdosing products, visit PolkaDot by visiting Mr. Joe's personal link… https://gasstash.com/ref/1000/

What happens when your shop's future depends on more than just hustle?In this episode of Maximum Octane, Kim Hickey and Jason Patel sit down with ATI President Ron Greenman for a masterclass on succession planning, leadership evolution, and building a sustainable future for your business.Ron shares real-life examples from his own unexpected path to leadership and how ATI's growth exposed the cracks in traditional succession models. From the overlooked pitfalls of leadership transitions to the critical role of ongoing training, Ron breaks down what shop owners must do today to avoid chaos tomorrow.Tune in to episode 123 of Maximum Octane and discover how a strong succession plan, future-focused leadership, and a commitment to training can elevate your shop from day-to-day survival to long-term success.This episode is a must-listen for any shop owner who wants to lead with purpose and exit with confidence.Episode Takeaways:1:30 What Ozzy Osbourne's farewell tour teaches us about legacy and handoffs2:40 Why most succession plans fail the first time and what to do about it4:10 What succession planning really means (hint: it's not just selling your shop)6:30 Selective hearing: Why shop owners miss the point on planning7:00 The hidden failure in ATI's own management structure and how they're fixing it8:50 PSA: What not to say if you're applying to be a coach11:30 Ron's career pivot: From CFO spreadsheets to leading ATI's mission13:10 Shrinking business model? Why growth is survival16:20 "I'm ready for change" vs. actually changing20:30 Before you spend another dollar, are you using what you already pay for?24:00 Why 40 hours of training per year should be the bare minimum27:10 Career development in small shops: Stop using size as an excuse32:50 Shop CEOs in training: Have a destination or risk wandering aimlessly34:10 Rebuilding the team: Why direction is nothing without peopleConnect with Ron Greenman:LinkedInLet's connect:WebsiteLinkedInFacebookEmail: info@maximumoctane.com Hosted on Acast. See acast.com/privacy for more information.

Calm on the Surface, Distress Below: Joe Blackbourn on the State of Sunbelt Multifamily   The Eye of the Storm? When my podcast guest this week, Joe Blackbourn, president and founder of Everest Holdings, stepped in front of a room of ULI members in late 2024, he titled his multifamily market forecast “An Underdressed Weatherman Gets Sent Into a Hurricane.”   The image was evocative – and accurate. Multifamily investors, developers, and lenders had been navigating gale-force winds of rising rates, inflation shocks, and structural cost resets. And yet, as Blackbourn noted in my conversation with him, today the industry still appears eerily calm.   “There's a lot of stormy weather on the horizon, and, like a hurricane, we don't know quite where it's going to land or how bad it's going to be.”   The Invisible Cost of ‘Calm' Core inflation may be retreating, but the real story, Blackbourn argues, is not about the rate of change. It's about the baseline shift.   “Even if we're at just over 2% now, it's still a 30% increase in a very short period of time,” he said, referring to food prices, but with implications for housing as well. Home prices in many U.S. markets, particularly across the Sunbelt, have surged by 30–50% since 2020. That repricing is likely to stick.   “It's really difficult to give that pricing back,” he added. “Short of some real economic calamity, the best we can manage is slower growth, not a decline in consumer pricing.”   That same principle is locking up real estate deals. Rent growth has slowed, but operating expenses have not. The result is compressed margins, sluggish NOI, and a widespread inability to transact or refinance.   Multifamily: Where Distress Hides Quietly On paper, the multifamily sector looks surprisingly stable. Cap rates for high-quality assets remain in the 5.0%–5.25% range, and transaction volume is beginning to pick up in select markets. But beneath the surface, stress is mounting.   “There's a lot of stress at the balance sheet level,” said Blackbourn. “And it's not being helped by property-level performance.”   In many Sunbelt markets, especially those with pandemic-era construction booms, organic NOI growth is flat or negative. Rent collection is delayed, staffing is inconsistent, and delinquencies are rising.   “We're seeing situations where it's taking all month to get the rents collected,” he noted. “You'd be at the 15th of the month with less than 50% of rents in the door.”   Yet distress sales remain rare. Why? Blackbourn offers two reasons: Lender tactics: Debt funds are “hope-certificating” properties, granting extensions, persuading sponsors to inject capital, and delaying the inevitable. Human psychology: “There's a survival instinct at work,” he observed. “People will do whatever they can to stay in the game.” What Keeps Deals Frozen? Everyone is waiting. Borrowers, lenders, and investors are all betting on falling interest rates to solve their problems. But Blackbourn remains skeptical.   “I don't think it's inevitable that rates come down,” he said. “And yet, it's within the debt fund's interest to persuade borrowers that they will.”   Many current valuations are premised on that hope. But even if rates do drop, the bid-ask spread remains wide. In his words, “It feels like this really taut balloon; fragile.”   Why Aren't Cap Rates Rising Faster? One of the stranger dynamics in today's market is that cap rates haven't risen much, despite the Fed holding policy rates above 5%. High-quality assets are still trading at 5%–5.25% caps. How is that possible?   “If you have the right basis, you can sell into that,” Blackbourn explained. “The pricing for high-quality assets hasn't jumped that much.”   But for vintage assets, pricing capitulation is coming. Lenders are forcing assets to market when no other solutions are viable. And while buyers are circling, few are pouncing.   Supply, Demand, and the Surprise of Absorption Another surprise: absorption is holding up remarkably well.   “We're seeing absorption that's about keeping up with supply,” Blackbourn noted. “In some markets, we're about to hit the point where we're absorbing more units than we're adding.”   This matters. Historically, once net absorption overtakes new deliveries, rents begin to recover, often before occupancy hits 95%. And that could happen sooner than expected in markets like Phoenix.   “We're modeling that inflection point this year,” he said.   But again, bifurcation matters. New Class A developments are attracting high-income renters,  people who once would have bought homes. Meanwhile, vintage B and C properties are seeing tenants who are increasingly rent-burdened.   “In new projects, we're seeing a higher-income demographic than we've ever seen,” said Blackbourn. “But in older assets, collections are way down. Rents are up 30%, but incomes aren't.”   The Forecast: Q3 and Q4 2025 Looking ahead to the rest of the year, Blackbourn sees a mixed bag. More volume is expected from both opportunistic buyers and forced sellers. Permits are collapsing, setting up an eventual rebound in pricing power. Selective outperformers will emerge in submarkets with favorable rent-to-income ratios. “We could see surprising outperformance in the asset class sooner than people think,” he said. “But it will be bifurcated by quality, by tenant income, and by geography.”   In short, the underdressed weatherman may not be in the eye of the storm just yet – but the wind is shifting.

For our final episode of Livebearer Month, we welcome back Charles, who joins us to discuss fancy livebearers! It would be an injustice to talk about livebearing fish without taking a dive into the genetics behind the strains we know and love. Selective breeding is a process that has allowed aquarists to develop fish with specific traits, including those with dramatic, long fins and vibrant color variations. In this discussion, we’ll learn about some special varieties of fancy livebearers, how they were developed, and how to maintain a project of your very own! Which livebearing fish do you dream of keeping? Join the discussion on the Water Colors Aquarium Gallery Podcast Listeners Facebook group! https://www.facebook.com/groups/788428861825086/ Enjoying the show? Support the gallery by shopping aquarium plants, merch, equipment, and more! https://watercolorsaquariumgallery.com/ Looking for more content? Become a YouTube member for exclusive access to behind the scenes livestreams! https://www.youtube.com/@watercolorsaquariumgallery

Why do many Christians loudly condemn the sins of celebrities—while staying silent when those same sins appear in our own churches, leaders, or political allies?In this episode of Optica, Dr. Gabriel Salguero explores the troubling issue of selective outrage in the Christian community. With real examples, thoughtful reflection, and a call to consistent, biblical accountability, this conversation challenges us to be people of truth, not convenience.We're called to speak against injustice—but can we do it objectively, even when it hits close to home?

Architecture firms often accept any project that comes their way, but what if you could use data to choose only the clients who value your expertise?In this episode, you will learn:→ How to replace fragmented spreadsheets with unified financial tracking systems→ Why historical project data transforms proposal accuracy and profitability→ How to identify profitable vs. unprofitable project types using past performance→ Unexpected scheduling benefits for firms with mixed employment models→ How financial clarity gives you confidence to price appropriately and choose better clientsMeet Wendy Klepcyk, AIA, Principal Architect at Envisage Architecture, a 8-person Cincinnati firm that evolved from reactive project acceptance to strategic client selection through three years of data-driven decision making.Ready to gain financial clarity like this Architect? Learn more at https://monograph.com

If you're in your 30s and starting to lose faith that love is coming… then this one's for you. In this raw and very juicy Q&A, I'm sitting down with dating and relationship coach Megan Thoma to answer your BIGGEST questions about dating in your 30s. We're covering everything from how to stay selective when your heart's aching for partnership, to navigating boundaries, rejection and how to show up with an open heart to love even when you've been hurt before. Stay tuned to hear answer: 06:07 - Why do I keep attracting emotionally unavailable men? 09:53 - I know what my boundaries are… but why do I keep saying yes when really I mean no? 12:52 - How do I stop falling for potential? 16:11 - How do I be content being single? 19:23 - Where are all the commitment-ready men and how do I find them? 23:00 - Are my high standards ruining my love life, and how do I know if I'm being too picky? 27:12 - What is the number one reason men lose interest? 29:54 - How do I stay open to love and still protect my heart?  34:17 - Is it okay to make the first move? 36:04 - Should a man always pay on the first date, and what should a woman do if he does not? 40:19 - I stay with my partner because I can't handle the jealousy of him being with another woman… help! 45:16 - How do I let a man know I'm interested in him without seeming desperate? …and so much more. Prefer YouTube? Watch here. Want more of Megan? Follow her on IG @megan_thoma. Ready to break through what's holding you back and create real transformation? Click this link to book a connection call with my head coach and let's get started. Book a free call with my team  I get SO lit up by every single conversation I have with my community.

What's really going on behind the scenes of celebrity deaths, organ transplants, and American health care? Why are so many celebrities dying younger than expected—and could there be more to the story? John Rush and Steve House kick off the hour with a fiery intro and a conversation that quickly turns from the shock of Hulk Hogan's death to deeper questions about lifestyle, stress, and the hidden costs of fame. Is it the jab? The drugs? The pressure of constantly supporting an entourage? And what about the chilling report Dr. Kelly shared—are hospitals harvesting organs from patients not yet dead? You won't believe how deep the financial incentives go in the world of organ donation and health care billing. Could 3D-printed organs be the future of healthcare—and the end of human organ donation as we know it? In this eye-opening segment, Rush and House dive deeper into chilling allegations of organ harvesting from patients not fully deceased and the ethics of monetizing donated body parts. Are hospitals profiting while grieving families foot the bill? What is a "bioprinter," and how close are we to printing kidneys, skin, or even entire organs grown from your own cells? And if the rich can afford these life-extending procedures—what happens to the rest of us? This isn't science fiction anymore—it's knocking at our door. Who decides who deserves life-saving treatment—and who doesn't? In this bold and controversial exchange, John and Steve wrestle with ethical landmines: Should everyone receive equal care, even if they've made poor life choices or aren't contributing to society? Is our system actually rewarding irresponsibility while punishing those who play by the rules? They reveal how buried formulas in Obamacare already assign value to your life based on age, health, and economic output. Could this lead to a future where only the wealthy and genetically fortunate receive cutting-edge care? And is America's health care system heading toward collapse—or something even more sinister? Find out more at https://rushtoreason.com

The Russia Gate Hoax picks up steam as documents were Declassified by Intelligence Director Tulsi Gabbard. While the evidence is “Irrefutable “ and easily available now, the leftist are shrugging it off as something that we're wasting time on, and we should move on from. They say this is they constantly bring up J6 on the daily, said same thing about Bidens mental acuity scandal, and said the same about Epstein files… Until the rumors of Trump being on the list, then it was Release,Release, Release, even though they sat on the files for 4 years!! Selective Memory indeed

www.redemptionchurchky.com

Israel, Russia, and The West's Selective Lens!  On today's show I ask why is Israel bombing Syria? How does it compare to Russia's actions in Ukraine? Why does the West seem to focus so intensely on Russia's wrongs while giving Israel's actions a lighter touch? Web Site: www.DontTreadonMerica.com https://linktr.ee/DontTreadonMerica Email the show: Donq@donttreadonmerica.com DTOM Store (Promo code DTOM for 10% off)     Sponsors: www.makersmark.com www.NordVPN.com  Promo Code: DTOM www.alppouch.com/DTOM www.dubby.gg Promo code: DTOM   Social Media:   Don't Tread on Merica TV   DTOM on Facebook   DTOM on X    DTOM on TikTok    DontTreadonMericaTV   DTOM on Instagram    DTOM on YouTube

CFRA's Cathy Seifert says there's positives to take away from the latest Travelers (TRV) earnings report. Top line growth is not one of them. Cathy sees similar trends across the insurance space and urges investors to do their research and be selective in the group. She likes Progressive (PGR) and Allstate (ALL). Joe Tigay offers example options trades in Travelers and Progressive.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

The Globe and mail have some explaining to do, especially in regards to what they are not reporting. The Globe's overkill reporting of MHCare Medical is only surpassed by their underreporting of both Santis Health and Equity Health Services. But what is their motie? Why the cherry-picking? #globeandmail #santishealth #pbcc #carrietait Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Greg as he ministers in the gifts of the Spirit and answers your questions on this special ministry Friday episode.This generation has no shortage of knowledge and information about any disease, problem, topic, person, or interest. Yet in many cases, we are still searching for the answers and solutions God's wisdom has promised us. On today's broadcast of Wisdom For Living, Greg Mohr shares clear Biblical principles from over 40 years of ministry experience that will help you discover how to unlock the hidden wisdom of God and make good decisions in your life.

What is selective bias, and how does it show up in our work as doulas? We all interpret and retain information in ways that align with our pre-existing beliefs, often unknowingly dismissing data that challenges our biases. From interpreting research to making decisions in birth spaces, selective bias can shape the care we provide and can influence the experiences of our clients. As doulas, we have a responsibility to recognize and confront our own biases, especially when it comes to topics like interventions and birth preferences. Are you open to thinking critically about your own biases, considering how they affect your practice, and exploring ways to actively seek out diverse perspectives?  Join us for an honest conversation about learning and growing in our doula practice, and how embracing discomfort can lead to more effective, unbiased support for the families we serve.

Teaching on 1 John 3:1-6

An episode that deeply values justice and honesty!In Episode 149 of The Autistic Culture Podcast, Dr. Angela Kingdon explores Pillar 9 of Autistic Culture: Justice Seeking, with special guest Clare Kumar, productivity expert and host of the Happy Space Podcast, to explore Justice Seeking — the 9th pillar of autistic culture.Claire is a late-diagnosed autistic woman, executive coach, and productivity speaker. She brings unique insight into neurodivergent efficiency, workplace design, and inclusive spaces through her work with Hidden Disabilities Canada and her signature Joy Inventory tool.If you've ever been accused of being “too intense,” “too rigid,” or “black-and-white,” this episode is for you. Angela and Claire flip the script and reclaim those traits as moral clarity, fairness-driven thinking, and authentic advocacy — powerful parts of autistic identity.Here's what defines this core Autistic trait:* We call out what others ignore.Autistic people are often the first to question broken systems, double standards, and flawed logic. We don't pretend it makes sense—we say it doesn't.* We sense injustice instantly.Misaligned actions, hypocrisy, and favouritism aren't just annoying—they feel unbearable. Fairness isn't optional. It's foundational.* We speak up—no matter the cost.Whether it's calling out ableism, bias, or misinformation, autistic advocates often challenge power structures—even when it's uncomfortable.* We hold systems to their own rules.We expect policies to be applied with consistency and equity. Selective enforcement? We notice—and we question it.* We feel justice in our bodies.What's labelled as “Rejection Sensitive Dysphoria” is often justice sensitivity—a real-time emotional response to being dismissed for telling the truth.* We don't fake neutrality.When something's wrong, we can't mask it. We're not “too intense”—we're deeply aligned with our values.* We crave clarity, not conflict.Accountability helps us feel safe. We don't want to blame—we want to understand what went wrong and how to fix it.* We value truth over comfort.Authenticity matters more than approval. Many of us would rather lose a friendship than betray our principles.Key Concepts* ✨ Moral clarity: We often see the ethical core of a situation before others do—and struggle to stay silent about it.*

Informed Dissent with Dr. Jeff Barke and Dr. Mark McDonald – Dr. Simone Gold and John Strand, both arrested for peacefully entering the US Capitol on January 6, share their experiences of selective prosecution and time in federal prison. Now free, they reveal how they secured their release and continue advocating for government accountability and justice for others who were wrongly imprisoned for peaceful protest...

Informed Dissent with Dr. Jeff Barke and Dr. Mark McDonald – Dr. Simone Gold and John Strand, both arrested for peacefully entering the US Capitol on January 6, share their experiences of selective prosecution and time in federal prison. Now free, they reveal how they secured their release and continue advocating for government accountability and justice for others who were wrongly imprisoned for peaceful protest...

SummaryIn this episode, Scott Snow explores the transformative power of creativity in various aspects of life. He discusses the importance of recognizing patterns, refining routines, and the role of music in enhancing creativity. Scott shares personal experiences and insights on self-development, the significance of emotional intelligence, and the impact of cultural influences. He emphasizes the value of asking quality questions and the importance of non-verbal communication. The episode concludes with reflections on personal growth and the core values of joy, productivity, and fulfillment.Outline:1:20 Predator movie and a lesson for self-discipline3:30 Perfect creativity7:00 Painless routines & goalsetting9:15 Fold-in your goals10:00 We hire all your roles10:40 Do more difficult things13:00 Japanese virtue13:40 Selective mute energy15:25 Google docs15:50 Popcorn Psychology Podcast19:00 Ocean panels and self-development20:44 Project management21:25 Around the world22:00 David Gergen and the power of a quality question23:30 Improving your mental game24:45 Bible highlighter productivity tip26:00 Lessons from my doctor27:30 What's your lane? 28:38 Ozzy Osbourne's Back to the Beginning30:25 Warren Buffet's one last puff creativity TakeawaysCreativity is the key to transforming your life.Recognizing patterns can lead to wiser choices.Music can significantly enhance creativity.Refining routines can liberate your creative potential.Identifying the roles we play helps in self-discovery.Challenging yourself with difficult tasks can lead to fulfillment.Non-verbal communication can be more impactful than words.Podcasts are a valuable resource for learning and growth.Connecting emotions with experiences enriches memory.Asking quality questions can lead to profound insights.Visit www.allthehatswewear.com for the 1 hour creativity course!

In this bonus episode of Selective Ignorance, Mandii B is joined by music journalist Jayson Rodriguez and cultural curator A-King for a deep, soulful dive into the world of R&B. [00:00] The conversation kicks off with a look at R&B’s cultural impact, tracing how the genre has served as both a mirror and a balm for generations of listeners. [03:08] The trio explores the evolution of R&B within the music industry, from its gospel and soul roots to its intersections with pop and hip-hop. They reflect on [06:01] what truly defines R&B, arguing that the emotional depth, lived experience, and vulnerability in the music are what make it timeless. [08:48] The discussion shifts to the role of media in shaping R&B’s visibility, and how the genre’s presence has changed on major platforms. From there, they break down [12:07] today’s R&B landscape, spotlighting emerging artists, and asking whether the genre is truly experiencing a renaissance—or if it’s still fighting for space. [15:00] Hip-hop’s influence on R&B comes into focus, both as a source of collaboration and creative tension. [17:48] Nostalgia enters the chat as the group reminisces about classic sounds, beloved groups, and the feeling that something essential has been lost in the transition to modern trends. [20:40] They dig into the evolution of vocal standards, noting how raw vocal ability has often taken a back seat to aesthetics and production polish. That leads into [23:53] a conversation about the challenges and opportunities shaping R&B’s future—from streaming culture to label support and artist independence. The episode doesn’t shy away from nuance. [38:47] They unpack the shift from "thug love" to hyper-masculinity in male R&B, questioning what this means for intimacy and expression. [42:29] The aesthetic evolution of artists—from fashion to persona—gets its own spotlight, while [44:24] nostalgia and critiques of the genre’s supposed "decline" add further layers to the dialogue. [50:20] The conversation turns to women in R&B, debating whether they're thriving or still being boxed in by industry expectations. As the energy rises, the group shares their dream lineups for [54:36] future R&B tours and collaborations, imagining what a curated revival could look like. To wrap things up, they discuss [01:00:29] the legacy of R&B through the lens of underrated and overrated albums, and [01:09:26] share their predictions and hopes for the future of the genre—highlighting artists to watch, sonic shifts on the horizon, and the timeless power of R&B when done right. This episode is a love letter, a critique, and a call to action for anyone who’s ever had their heart healed by a hook or a harmony. “No Holes Barred: A Dual Manifesto Of Sexual Exploration And Power” w/ Tempest X!Sale Link Follow the host on Social MediaMandii B Instagram/X @fullcourtpumpsFollow the show on Social MediaInstagram @selectiveignorancepodTiktok @selective.ignoranceX/Twitter @selectiveig_podSee omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3207: ESI explores the idea of “moderate and selective frugality,” contrasting it with the extreme frugality of the Amish as described in Money Secrets of the Amish. He emphasizes seeking value over the lowest price, spending intentionally on what brings joy, and balancing frugality with a focus on growing income. This thoughtful approach encourages financial freedom while still enjoying life's pleasures. Read along with the original article(s) here: https://esimoney.com/moderate-and-selective-frugality/ Quotes to ponder: "Use it up, wear it out, make do or do without." "Moderate means that I like to be frugal to a point, but I won't go so far as to buy something cheap simply because it's the best price." "Feeling gratitude for our ability to pay for things vs being bitter over money spent is a great sign that we are evolving in our relationship with money." Learn more about your ad choices. Visit megaphone.fm/adchoices

We want to start small. That's an important part of loopy training and constructional training in general. You begin with a small, simple, easily achieved response which means you are starting with a high success rate resulting in a high rate of reinforcement. This is great from your horse's point of view. Very little effort yields consistent goodies. From our point of view we want to start small but we don't want to stay small. Staying small means you are staying stuck in the narrow end of the funnel. Instead of the behavior expanding through gentle nudges, you are stuck in a tight cylinder. In this episode we look at different strategies for breaking free of the narrow cylinder so your training can expand into ever more complex behavior.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3207: ESI explores the idea of “moderate and selective frugality,” contrasting it with the extreme frugality of the Amish as described in Money Secrets of the Amish. He emphasizes seeking value over the lowest price, spending intentionally on what brings joy, and balancing frugality with a focus on growing income. This thoughtful approach encourages financial freedom while still enjoying life's pleasures. Read along with the original article(s) here: https://esimoney.com/moderate-and-selective-frugality/ Quotes to ponder: "Use it up, wear it out, make do or do without." "Moderate means that I like to be frugal to a point, but I won't go so far as to buy something cheap simply because it's the best price." "Feeling gratitude for our ability to pay for things vs being bitter over money spent is a great sign that we are evolving in our relationship with money." Learn more about your ad choices. Visit megaphone.fm/adchoices

Selective Ignorance with Mandii B is now on The Black Effect Podcast Network. New episodes dropping every Tuesday. Follow the host on Social MediaMandii B Instagram/X @fullcourtpumpsFollow the show on Social MediaInstagram @selectiveignorancepodTiktok @selective.ignoranceX/Twitter @selectiveig_podSee omnystudio.com/listener for privacy information.

AOT2 and Ugoochi catch up on their week, discuss Delta stat police fining women 50k for indecent dressing, the poor transportation system in Lagos and the essentials to scale through them, a Lagos monarch dethroning 3 chiefs and other news that made the rounds this week.OUTLINE00:00 - Introduction05:21 - Fan mails15:24 - Catch up29:30 - X of the week39:50 - Believe it or not01:08:38 - Weekly Essentials01:48:45 - Flop and Prop of the week01:51:50 - Sign out-------------------------------------------234 Essential on Twitter and Instagram.Write us: fanmail@234essential.comDonate to 234 Essential: https://donate.stripe.com/bIYfZw6g14juf1m8wxNewsletter: https://234essential.com/

Re-Run July 4thSelect Freedom-LET'S GET JACKED UP!On this episode we celebrate our independence by breaking down the Presidential Debate and asking our kids thier thoughts! We have a guest named Erik Hernendez join us and special songs and clips. music from Kyle Coulahan and "Stand up for America" by Brother Vick.Listen and chat with us live Thursdays 8:30pm PT onFringeRadioNetwork.com/live Shop at Fringe Radio Network for shirts, sweaters, hats, & more atfringeradionetwork.com/shopEmail your photos with FRN gear in your photos at fringeradionetwork@gmail.com Check out more episodes of ours at LetsGetJackedUp.comWe are on Rumble at https://rumble.com/user/LGJUFollow us on TikTok https://www.tiktok.com/@letsgetjackedupFollow us on Twitter https://twitter.com/letsgetjackedupFollow us on Facebook https://www.facebook.com/LetsGetJackedUp/usual Intro Theme song by Eternal Element-Myself https://www.reverbnation.com/eternalelementNOTE: we are currently experimenting with new Intro Theme music with words. Outro Theme song: Well Done You-Jackhammerwelldoneyou.bandcamp.comListen & Download Tim's band- The Outletsin on Spotify, Amazon music, Apple Music and morehttps://open.spotify.com/artist/7tuhh9IvptrqsoTABhd5e1Project Life by The Outletsin on Amazon Music

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This episode is presented by Create A Video – CBS and its parent company - Paramount Global - settled with President Donald Trump in his election interference lawsuit. Trump accused the network of editing its interview with Kamala Harris to make her seem more coherent in an effort to protect her during the 2024 presidential race. Subscribe to the podcast at: https://ThePetePod.com/ All the links to Pete's Prep are free: https://patreon.com/petekalinershow Media Bias Check: If you choose to subscribe, get 15% off here! Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com Get exclusive content here!: https://thepetekalinershow.com/See omnystudio.com/listener for privacy information.

Tara and Lee dive into a revealing weekend moment that set off a firestorm: New York City Democratic Socialist Zoran Mamdani doubled down on his plan to tax “white neighborhoods,” refusing to rephrase or soften his stance even under friendly questioning. Tara exposes how Mamdani's rhetoric exemplifies classic socialist political persecution and identity-based targeting—policies she argues are the inevitable endpoint of today's Democratic talking points. The conversation branches out to the hypocrisy of the left's selective outrage, including Star Trek actor George Takei's meltdown over funding ICE agents while staying silent about adding 87,000 IRS auditors. They also spotlight how Biden's administration quietly empowered terror groups, and how media figures like Jen Psaki deflect accountability. In a wide-ranging discussion, they note the sudden halt of L.A. riots—raising questions about who was funding the violence—and cover the DOJ and FBI's pledge to investigate the money trail at last. With biting humor and unflinching criticism, Tara argues these are all symptoms of a deeper authoritarian impulse thriving under the banner of “equity.”

What does it mean to be a man of God and who gets to decide? In this episode, I take a hard look at how churches and Christian influencers are shaping men under the banner of “biblical masculinity.” From warrior sermons to purity culture to performative strength disguised as holiness, we're naming what's really going on: cherry-picked verses, selective literalism, and a whole lot of ego. Recorded during Men's Health Month and following my Father's Day sermon response, this conversation asks what kind of men we're actually forming, and whether Jesus would even be welcome in the version of manhood being preached. If this episode resonated with you, don't forget to like, subscribe, rate, and review the podcast and share it with someone who might need to hear it. You can also support the show by visiting clemenzwithaz.com, subscribing to my Substack, or contributing to the GoFundMe here:  https://gofund.me/7ebb0524. Peace Y'all!

As a woman who loves deeply, I had to learn the hard way that not every man deserves access to my heart. Being loving, nurturing, and emotionally available is powerful—but it also means you need to be selective about who gets to experience that version of you.Most men aren't emotionally mature enough to handle a woman who shows up with real love, real intention, and real depth. They fumble it, misuse it, or try to dim it.This video is a reminder to protect your heart, not because you're guarded—but because you know the value of it.

Send me a message here with feedback or topics you'd like to see covered on upcoming episodes! Or just say hello!Masking is one of Lightroom's best tools to improve your photography, as you can use it to make selective adjustments to small parts of your image. Whether you want to adjust the brightness of the subject, make the background pop, or make minor tweaks to colors, the masking tool has you covered. In this week's podcast episode, Dani Hamm teaches us how she uses masking to improve her wildlife and landscape images.Links from this episode:Dani's InstagramDani's ThreadsDani's TikTokDani's Print WebsiteIf you're serious about becoming better at photography, the fastest way to do so is by joining me for an in-person workshop. Check my current workshop listings here.Find FREE photography tutorials on my YouTube channel.10 Landscape Photography Tips in 10 Minutes - FREE Video

HT2296 - Selective Color For much of photography's history, a fundamental decision for photographers revolved around whether an image should be color or black and white. Such thinking, in the age of digital processing, now seems perfectly archaic. Selective color is a wonderful technique that inherently includes new options in composition. Show your appreciation for our free weekly Podcast and our free daily Here's a Thought… with a donation Thanks!

What if your growth path wasn't adding more clients, but working fewer, higher-quality roles with people who genuinely value your service? Allicia Birch, founder of 4tify Recruitment, built a six-figure recruitment firm in her first year — without cold calls, without compromising on fees, and without chasing every job. Her success came down to discipline: working to a structured 12-hour day in 15-minute blocks, building a reputation-based BD strategy, and walking away from bad-fit clients. You'll hear how she transformed underperformance into consistent high billings, created multi-division revenue from single clients, and productised her approach to business development — including how she sells high-ticket projects, runs invite-only roundtables, and uses market intelligence to position herself as a trusted partner, not just a vendor. 4tify is based in Manchester and specializes in construction industry recruitment. After 8 years in the industry, Allicia has become a leading voice in the residential new build market. Episode Highlights [03:20] How she struggled during the first three years with plenty of lessons [14:11] Breakdown to Breakthrough - turning things around from 250k to 350k billings [20:25] What inspired the launch of 4tify [26:10] Key success factors in the first 12 months of business [35:19] Her idea of a cold call - how she does BD without 'cold calling' [44:26] Best practices on being organized and creating a Day Plan [48:30] How market intelligence helps provide custom-fit solutions to clients [58:21] The round-table engagement strategy [1:03:04] What's next for the team Key Takeaways Training Makes the Difference: Her first three years brought zero earnings until proper training at Anderson James turned everything around. A breakthrough coaching session helped her jump from struggling to billing £250,000–£350,000 per year. Client Selection Strategy: "If you're trying to beat me down to 10%, I'm not your recruiter. I don't get out of bed for that." She only works with clients who respect her values, turning down low-fee roles and walking away from companies that don't align. Daily Structure: Speaks to 30 people per day (150 per week) - all warm calls through referrals Plans the day in 15-minute increments the night before at 9 PM Works closest to money first: live processes, then candidates, then client development Uses Excel spreadsheets with checkboxes and color coordination Market Intelligence: Uses reputational analysis to provide custom-fit solutions to each client. Her genuine, relationship-first approach thrives on meaningful partnerships – no cold calling, just honest conversations and deep understanding of what makes great teams work. About Allicia Birch Allicia Birch is the Managing Director of 4tify, a specialist recruitment company with 8 years in the industry, though it didn't start easily. The first three years brought zero earnings, but plenty of lessons. Once things clicked, she went on to consistently break records year after year, becoming a leading voice in the residential new build market. Her genuine, relationship-first approach thrives on meaningful partnerships – no cold calling, just honest conversations and deep understanding of what makes great teams work. With operations expanding in both the UK and US, she's on a mission to connect market leaders to the market. Connect with Mark Whitby Get your FREE 30-minute strategy call Subscribe to The Resilient Recruiter

Angel Studios https://Angel.com/ToddBecome a Premium Angel Studios Guild member to watch The King of Kings, stream all fan-curated shows and movies, and get 2 free tickets to every Angel Studios theatrical release. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bioptimizers https://Bioptimizers.com/toddEnter promo code TODD to get 10% off your order of Berberine Breakthrough today.Bizable https://GoBizable.comUntie your business exposure from your personal exposure with BiZABLE.  Schedule your FREE consultation at GoBizAble.com today.  Bonefrog https://BonefrogCoffee.com/toddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. go to KnowYourRiskPodcast.com today.Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/ToddLISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeMichelle Obama Comes Out… // How Can a “Pastor” Defend Saying God is “Queer?” // Is This How Chrstians Save Muslims?Episode Links:Michelle Obama says black women were never given permission to communicate their pain.Michelle Obama stated when she and Barrack were initially running for President that he hated America. The MSM chose to not focus on that and swept it under the rug.Michelle Obama says Trump's deportations “keep her up at night.” Strange—her husband deported 5.3 million. Trump? Just over 100,000. Either she forgot, or she's hoping you did. Selective outrage is a hell of a drug.You're being a role model for dealing with a child that's transgender... That warms my heart, particularly as a black man." That's quite the slip up…Jasmine Crockett on mass deportation: “How would they feel if some other country decided that they were gon' just start throwing people randomly in our country?” Mam, that is exactly what other countries have been doing!Lutheran Church preacher explains that baby Moses' trip in a basket on the Nile river has queer themes and is actually about kinship outside of heteronormative family structures, as well as a metaphor for the turbulence that trans folk experience at the hands of the church.Valentina Gomez says Is lam is a religion of rape in front of Texas courthouse, Muslim crowd, gets called a dog.Valentina Gomez's remarks about Islam broke viewership records: America is a Christian nation, Islam has no place here.

Our analysts Andrew Sheets and Vishwas Patkar take stock of the U.S. credit market, noting which segments are on firm footing going into a period of slower growth.Read more insights from Morgan Stanley.----- Transcript -----Andrew Sheets: Welcome to Thoughts On the Market. I'm Andrew Sheets, Head of Corporate Credit Research at Morgan Stanley.Vishwas Patkar: And I'm Vishwas Patkar, Head of U.S. Credit Strategy at Morgan Stanley.Andrew Sheets: Today on the program, we're going to have the first in a series of conversations covering our outlook for credit around the world.It's Wednesday, June 4th at 2pm in London.Vishwas Patkar: And 9am in New York.Andrew Sheets: Vishwas, along with many of our colleagues at Morgan Stanley, we recently updated our 12-month outlook for credit markets around the world. Focusing on your specialty, the U.S., how do you read the economic backdrop and what do you think it means for credit at a high level?Vishwas Patkar: So, our central scenario of slowing growth, somewhat firm inflation and no rate cuts from the Fed until the first quarter of 2026 – when I put all of that together, I view that as somewhat mixed for credit. It's good for certain segments of the market, not as good for others.I think the positive on the one side is that with the recent de-escalation in trade tensions, recession risks have gone lower. And that's reflected in our economists' view as well. I think for an asset class like credit, avoiding that drill downside tail I think is important. The other positive in the market today is that the level of all in yields you can get across the credit spectrum is very compelling on many different measures.The negative is that we are still looking at a fair bit of slowing in economic activity, and that's a big downshift from what we've been used to in the past few years. So, I would say we're certainly not in the Goldilocks environment that we saw for credit through the second half of last year. And it's important here for investors to be selective around what they invest in within the credit market.Andrew Sheets: So, Vishwas, you kind of alluded to this, but you know, 2025 has been a year that so far has been dominated by a lot of these large kind of macro questions around, you know, what's going to happen with tariffs. Big moves in interest rates, big moves in the U.S. dollar. But credit is an asset class that's, you know, ultimately about lending to companies. And so how do you see the credit worthiness of U.S. corporates? And how much of a risk is there that with interest rates staying higher for longer than we expected at the start of the year – that becomes a bigger problem?Vishwas Patkar: Yeah, sure. I think it's a very important question Andrew because I think taking a call on markets based on the gyrations in headlines is very hard. But in some ways, I think this question of the credit worthiness of U.S. companies is more important and I think it really helps us filter the signal from the noise that we've seen in markets so far this year.I would say broadly, the health of corporate balance sheets is pretty good and, in some ways, I think it's maybe a more distinguishing feature of this cycle where corporate credit overall is on a firmer footing going into a period of slower growth – than what we may have seen in prior instances. And you can sort of look at this balance sheet health along a few different lines.In aggregate, we haven't really seen credit markets grow a lot in the last few years. M&A activity, which is usually a harbinger of corporate aggression, has also been fairly muted in absolute terms. Corporate balance sheet leverage has not grown. And I think we've been in this high-interest rate environment, which has kept some of these animal spirits at bay. Now what this means is, that the level of sensitivity of credit markets to a slow down in the economy is somewhat lower.It does not mean that credit markets can remain immune no matter what happens to the economy. I think it's clear if we get a recession, spread should be a fair bit wider. But I think in our central scenario, it makes us more confident than otherwise that credit overall can hold up okay.Now your question around the risk of rates staying higher. This I think goes back to my point about where in the credit market you're looking. I think up the quality spectrum, I think there are actually – there's a lot of demand tailwinds for credit given the pickup in sponsorship we've seen from insurance companies and pension funds in this cycle.At the other end of the quality spectrum, if you're looking at highly levered capital structures, that's where I think the risk of interest rates being high can lead to defaults being sort of around average levels and higher than they would otherwise be.Andrew Sheets: So, Vishwas, kind of sticking with that central scenario, kind of briefly, what would be a segment of U.S. credit that you think offers some of the best risk adjusted return at the moment? And what do you think offers some of the worst?Vishwas Patkar: Yep. So, we framed our credit outlook as being good for quality, badfor beta. So, as that suggests, I think this is a fairly good environment for investment grade credit. In our base case, we are calling for double digit total returns. In IG we also expect investment grade credit to modestly outperform government bonds.And I would sort of extend that to the upper tiers within the high yield market as well, specifically BBs. And where I would say risk reward looks the weakest is the lowest tier. So, for CCCs and for many segments within Bs where leverage is fairly elevated, debt costs are still high. We think this is still a challenging environment where growth is set to slow and rate cuts are still a fair bit out the outer forecast rise.Andrew Sheets: So far we focused on that central scenario, but let's close out with how things could be different. In our view, what do you think are the realistically better and worse scenarios for U.S. credit this year, and how does that shape your overall view on the market?Vishwas Patkar: So, I think the better scenario for credit versus our base case potentially revolve around tariffs being rolled back even further. And it's essentially a repeat of the second half of 2024, where you had a combination of good growth and declining inflation and rate cuts moving up versus our expectations.I think in that scenario, it's likely that you see investment grade credit spreads go back to the tights that we saw in December. On the flip side, I think the worst scenario really is you know – what if we are being too optimistic about growth? And what if the economy is set to slow much further? And then what if we get a recession?So, I think in that environment, we see spreads retesting the wides that we saw through the volatility in April. Although even here, I would draw an important nuance that because of some of the fundamental and technical tailwinds I discussed earlier, we think spreads even in this downside scenario may not test the types of levels that we've seen through prior bear markets.Andrew Sheets: Vishwas, thanks for taking the time to talk.Vishwas Patkar: Thanks, Andrew.Andrew Sheets: And thanks for sharing a few minutes of your day with us. If you enjoy Thoughts of the Market, let us know by leaving a review wherever you listen, and tell a friend or colleague about us today.

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/