Podcasts about Telephone

In this segment, Mark takes calls from listeners who share their thoughts on random political subjects as a part of Telephone Tuesday.

In this episode, Abby and Vanessa are recapping the Valley.  They discuss… -Jared vs. Zach -Janet/Jason vs. Jasmine -Jax and Brittany -Kristen Doute When you're done listening, please leave a 5 star rating or written review, and don't forget to check out one of our ad sponsors. Join Firstleaf today and enjoy the fresh vibes of spring with wines you'll love. Go to TryFirstleaf.com/REALMOMS to sign up and you'll get your first SIX handpicked bottles for just $44.95. Boll and Branch: Go to ⁠⁠⁠⁠⁠⁠⁠bollandbranch.com/realmoms⁠⁠⁠⁠⁠⁠⁠ for 15% off Skylight: Go to⁠⁠⁠⁠⁠ ⁠⁠SkylightCal.com/BRAVO ⁠⁠f⁠⁠⁠⁠⁠or $30 off your 15 inch Calendar. Quince: Go to ⁠Quince.com/realmoms⁠ for free shipping on your order and 365 day returns. Learn more about your ad choices. Visit megaphone.fm/adchoices

Success is a Double-Edged Sword | Smells Like Money Podcast S14 E4

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In these segments, Mark hosts, "Telephone Tuesday" where he takes calls from listeners who share their thoughts on the big beautiful bill and social security.

See omnystudio.com/listener for privacy information.

This one might be a little inside baseball. Brandon, Art, and Josh vended at Animazement over Memorial Day weekend and it was our first time at that con. Apparently, it's the largest anime convention in North Carolina. We're also pretty sure it was our first time just working a con as vendors -- no special guest privileges or anything. It was fun, and it gave us a little more insight on hobby economics in the current climate.  Animazement is our fourth North Carolina anime convention. We realized when driving down there that we go to more conventions in NC than in VA. Check us out on Patreon (http://www.patreon.com/goblinsgrowlers) for bonus Deep Dive videos along with early access to the video and audio of the podcast.  Telephone, Telegraph, Tell a Friend about the Goblins and Growlers Podcast. → Bonus episodes and early access on Patreon (http://patreon.com/goblinsgrowlers) → Subscribe to our monthly gaming newsletter (https://goblinsandgrowlers.beehiiv.com/subscribe) → Join the Goblins and Growlers Discord (http://bit.ly/goblindiscord) LISTEN, RATE, AND SUBSCRIBE! If you like the show, please tell a friend about it. And if you want to tell more people, then please leave us a review on Apple Podcasts and/or your podcatcher of choice. You can find and/or support us at all the places below: https://patreon.com/goblinsgrowlers https://facebook.com/GoblinsAndGrowlers https://goblinsandgrowlers.podbean.com (and basically any other podcatcher) https://quidproroll.podbean.com (our sister podcast, the best narrative play)

Businesses in 2025 are flooded with digital noise—but what if standing out was as simple as picking up the phone or posting a handwritten note? In this solo episode, I'm going to take you behind the scenes of my recent speaking tour across Far North Queensland (FNQ), where I connected with 97 passionate small business owners. From Atherton to Port Douglas, I will share with you what's really resonating with customers today—and spoiler alert, it's not another email funnel. I dive into the power of warm calls, the charm of snail mail, and how getting back to basics can spark referrals, build loyalty, and create memorable brand experiences. Whether you're just starting out or leading a large team, this episode is your reminder that connection still counts—and it's often the simple, human touches that make the biggest difference. Grab your notebook (and maybe a teabag) as Michelle shares practical tips from her proven 3E Framework: Expectation, Experience, and Evaluation and start writing your Winning Customer Service Action Plan.

Why are cell phones called cell phones? When were mobile phones invented? Who made the first phone call? Have you started your FREE TRIAL of Who Smarted?+ for AD FREE listening, an EXTRA episode every week & bonus content? Sign up right in the Apple app, or directly at WhoSmarted.com and find out why more than 1,000 families are LOVING their subscription! Get official Who Smarted? Merch: tee-shirts, mugs, hoodies and more, at Who Smarted?

In This Episode: Twist & Shout – Aeration Tech to Tell All Your Friends About

In this episode of Swiss Money Secrets, WHVP's Jess Roberson, Jamie Vrijhof-Droese, and Urs Vrijhof-Droese come together for an in-house discussion on the key economic developments shaping the spring of 2025. With no guest joining this time, the trio shares their take on the shifting financial landscape and what it could mean for investors.They explore Switzerland's current 0% inflation rate and the growing conversation around a potential return to negative interest rates. The team also discusses the U.S. tariffs introduced in recent weeks, offering a Swiss and European perspective on how these measures are being viewed and what impact they are having on global markets and the U.S. dollar.Throughout the conversation, Jess, Jamie, and Urs unpack how these developments tie into broader investment strategies and why international diversification remains so important in a volatile environment. This episode provides timely insight for anyone following global market trends and looking to better understand how Swiss stability fits into the bigger picture.Contact WHVP:    Website: https://whvp.ch/    Email: info@whvp.ch    Telephone: +41 44 315 77 77    Schedule a Meeting: https://whvp.ch/get-started  About WHVP: WHVP is not just another asset manager. We are an independent firm specializing in managing the funds of private clients. Registered with the SEC in the U.S. and located in Zurich, Switzerland, we are associated with several first-class private banks in Switzerland and Liechtenstein, which serve as custodian banks for our clients' accounts. Our asset management principles are rooted in conservative, long-term-oriented capital preservation strategies. We prioritize personalized service, crafting portfolios that are shielded against U.S. Dollar depreciation while leveraging overseas investment opportunities. Disclaimer: All posts and publications are for your information only and are not intended as an offer, promotion, or solicitation to buy or sell any financial instrument or perform any other financial transactions. All information and opinions expressed in posts and publications reflect our current views as of the date of the publication and may be liable to change without notice.

On the 109th episode of Business English Power, ALsensei shares important ideas on this topic:3 Keys for Business Telephone SuccessTelephones and communications have changed quite a bit in the last 10-15 years in business world. However, one thing that hasn't changed much in this area is the English language. Because of that, we can anticipate how a business phone call will proceed and find quick success!On this episode of Business English Power, learn 3 keys that will set you up for success in Business English world on the telephone!Please subscribe to Business English Power in Apple Podcasts, iTunes, Spotify, and everywhere you listen to podcasts.If you have any questions and/or suggestions for the show please e-mail me directly at:AL at BUSINESSENGLISHPOWER dot COMOn Business English Power, I help you express yourself more naturally and smoothly. We talk about how to make your Business English sound more natural, attain a Global Mindset, and apply powerful Success Principles.Level up your LearningLevel up your LifeSend us a text

In this powerful episode of The DooDoo Diva's Smells Like Money Podcast, host Suzan Chin-Taylor continues the conversation with Scott Tackett, Senior Advisor and Director of Organizational Development at Violand Management Associates. Together, they dive deep into how to create a culture of change in the workplace without triggering fear or resistance.You'll learn how to:✅ Overcome the fear of change✅ Align your mission, vision, and core values✅ Get real employee buy-in for lasting transformation✅ Use data and structured processes to guide change✅ Lead with empathy using transformational leadership✅ Balance employee engagement and organizational growthThis episode is a must-listen for leaders in the wastewater industry, business owners, and anyone committed to continuous improvement and strategic planning.

In this segment, Mark takes calls for Telephone Tuesday where listeners share their thoughts on St Louis' handling of Friday's tornado, online gambling, illegal immigration, and more.

Telephone, Telegraph, Tell a Friend about the Goblins and Growlers Podcast. → Bonus episodes and early access on Patreon (http://patreon.com/goblinsgrowlers) → Subscribe to our monthly gaming newsletter (https://goblinsandgrowlers.beehiiv.com/subscribe) → Join the Goblins and Growlers Discord (http://bit.ly/goblindiscord) Josh tapped out this week, so it's up to Brandon and Inver after what feels like forever since the last recording. Inver's fresh (and tired) from PAX East in Boston and Brandon just finished putting together some prototypes for a new game accessory idea we're trying out. Check us out on Patreon (http://www.patreon.com/goblinsgrowlers) for bonus Deep Dive videos along with early access to the video and audio of the podcast.  LISTEN, RATE, AND SUBSCRIBE! If you like the show, please tell a friend about it. And if you want to tell more people, then please leave us a review on Apple Podcasts and/or your podcatcher of choice. You can find and/or support us at all the places below: https://patreon.com/goblinsgrowlers https://facebook.com/GoblinsAndGrowlers https://goblinsandgrowlers.podbean.com (and basically any other podcatcher) https://quidproroll.podbean.com (our sister podcast, the best narrative play)

Welcome to episode 151 of Growers Daily! We cover: germination struggles with soil blocks, some farm updates, and that pesky lower and lean term We are a Non-Profit! 

The simple act of speaking, or talking, does not automatically infer that your message is being received and internalized. Although it is easy to poo-poo the steps involved in effective communication, I feel it is important to review some of the basics now and then. Not knowing you personally, I am betting that you can benefit from today's reminders. You be the judge.See omnystudio.com/listener for privacy information.

The Daily Shower Thoughts podcast is produced by Klassic Studios. [Promo] Check out the Daily Dad Jokes podcast here: https://dailydadjokespodcast.com/ [Promo] Like the soothing background music and Amalia's smooth calming voice? Then check out "Terra Vitae: A Daily Guided Meditation Podcast" here at our show page [Promo] The Daily Facts Podcast. Get smarter in less than 10 minutes a day. Pod links here Daily Facts website. [Promo] The Daily Life Pro Tips Podcast. Improve your life in less than 10 minutes a day. Pod links here Daily Life Pro Tips website. [Promo] Check out the Get Happy Headlines podcast by my friends, Stella and Mickey. It's a podcast dedicated to bringing you family friendly uplifting stories from around the world. Give it a listen, I know you will like it. Pod links here Get Happy Headlines website. Shower thoughts are sourced from reddit.com/r/showerthoughts Shower Thought credits: thesmartass1, Stef-fa-fa, w41g87, epicap232, zav3rmd, Numbnipples4u, Amateurlapse, finaljusticezero, sumemodude, LucidCunning, BrandyAid, DogWearingABeanie, GodLikePlaya, MayorAquila, lcuan82, basafish, 4183937645294, DarkPixel77, addygoldberg, , Veradegamer, East-Bluejay6891, pufballcat, WronglyNervous, A_Mirabeau_702, just_s0mebody2, DeerProud7283, 666thSuprisedPikachu Podcast links: Spotify: https://open.spotify.com/show/3ZNciemLzVXc60uwnTRx2e Apple Podcasts: https://podcasts.apple.com/us/podcast/daily-shower-thoughts/id1634359309 Stitcher: https://www.stitcher.com/podcast/daily-dad-jokes/daily-shower-thoughts iHeart: https://iheart.com/podcast/99340139/ Amazon Music: https://music.amazon.com/podcasts/a5a434e9-da18-46a7-a434-0437ec49e1d2/daily-shower-thoughts Website: https://cms.megaphone.fm/channel/dailyshowerthoughts Social media links Facebook: https://www.facebook.com/DailyShowerThoughtsPodcast/ Twitter: https://twitter.com/DailyShowerPod Instagram: https://www.instagram.com/DailyShowerThoughtsPodcast/ TikTok: https://www.tiktok.com/@dailyshowerthoughtspod Learn more about your ad choices. Visit megaphone.fm/adchoices

Stop Exposing Yourself – The Power of the 831(b) Plan | Smells Like Money PodcastIn this eye-opening episode, host Suzan Chin-Taylor sits down with Van Carlson, founder and CEO of SRA 831(b) Admin, to uncover a powerful but often-overlooked strategy for business owners – the 831(b) plan. This episode, titled “Stop Exposing Yourself”, dives into the hidden financial vulnerabilities facing small to mid-sized businesses and reveals how to shield your revenue streams with a smarter risk mitigation framework.In this episode, you'll discover:✅ What an 831(b) plan is and how it empowers businesses to self-insure against unforeseen risks✅ The dangers of relying solely on traditional insurance – and why it might leave you exposed✅ Real-world examples of revenue disruptions that aren't covered by typical insurance (like pandemics, labor strikes, and supply chain breakdowns)✅ How the 831(b) plan can also serve as a wealth-building and tax-deferral tool✅ Why businesses with recurring revenue and under $100M in annual revenue are ideal candidates

In this episode of the DooDoo Diva's Smells Like Money Podcast, host Suzan Chin-Taylor sits down with Scott Tackett, Senior Advisor and Director of Organizational Development at Violand, to explore the art of managing for accountability. This conversation goes beyond just setting expectations, diving into Scott's powerful four-pillar framework:

In these segments, Mark hosts, "Telephone Tuesday" where he takes calls on several different subjects including thoughts on Cara Spencer, former Democrats moving away from the party, and more.

《日音时光机》经典系列 ｜ 今井美树终于像节目名一样，要和听友们一起搭上时光机，分享经典作品了。之前有些听友嫌我说话少，行，这一季你会听到一个叨逼叨的susu。经典系列的第一位音乐人，我挑选了今井美树。相比后来由布袋寅泰（她老公）所提供的作品，我更偏爱户泽畅美、上田知华、柿原朱美、岩里祐穂等这些女创作人为今井美树打造的作品中透露出的洒脱和悠扬。今井美树 - Retour (保土田 刚 混音版；收录在专辑《Blooming Ivory》)神山纯一 - Boogie-Woogie Lonesome High-heel今井美树 - Boogie-Woogie Lonesome High-heel (专辑版; 收录在专辑《MOCHA under a full moon》) 《Boogie-Woogie Lonesome High-heel》（1989年作品）作词：户泽畅美 翻译：susu歌词 第一段ハートにキックしてあげる 想让你怦然心动横目でチェックしていたわ 便对你暗送秋波小さなウィンク返されて 踊る 你回赠了媚眼 与我起舞Oh~ a full moon night 啊 在这月圆之夜口説かれたって手強いよ 想泡我嘛 并不容易哦スリルだけを感じたい 我只想找点刺激小意気なjoke 駆け引きがいい 精致幽默的油嘴滑舌 不走心的拉拉扯扯昨日の痛手が私を悲しくさせるから 过去的打击 令我深深痛苦楽しい時間だけを掴むのよ 快活今宵 才是我要的今夜踊りましょ 今晚 跳个舞吧夜明けまでboogie-woogie lonesome high-heel 高跟鞋的女人 孤单的跳着 直到黎明ステキな気分よ 感觉 好极了歌词 第二段愛するのって 只凭 爱 这个字それだけで明日のmy heart 縛ること 就要套住我的明天 拴住我心Telephone number 暗号で言った 要我电话? 给你个暗号吧~淋しい人ほど 耐得住寂寞楽しいこと 知っている孔雀 才是会享乐的女王華麗に儚い今を生きる 华丽地 活在短暂的当下Just I'm free 踊りましょ 我只想自由地起舞帰らないboogie-woogie lonesome high-heel 高跟鞋的女人 孤单的跳着 今宵不归切なく見ないで 不用觉得她可怜さあ踊りましょ 别管那么多 尽情地跳吧夜明けまでboogie-woogie lonesome high-heel 高跟鞋的女人 孤单的跳着 直到黎明愛より リズムを 比起卿卿我我 宁愿跟着节奏 跳个快活 关于《苏咖啡》第三季一眨眼，2020年已经是5年前了。5年前的春天，当我们都不知道这个世界要奔向哪里，那段日子里，音乐治愈着我，让我内心找回平静。2020年，我在网易云音乐 启动了日文歌曲100首 歌词翻译计划。默默的写好草稿，丢给两位中文系的教授，再修修改改，静静地面对每一句话，每一个字。虽然我偶尔也会收获嘘声和指责，虽然这不是一个讨巧的动作，但也是那每一句话每一行字，都治愈着我自己，治愈着陪伴我的节目听友，我猜也一定在后来 治愈了一些网易云的用户吧。在那100首歌曲中，始终有一些 我翻译完之后依然意犹未尽的作品，我一直不知道该以什么形式，去把那份心情 表达出来。我苦恼了很久，甚至开始怀疑自己，虽然声音好听，但是不是 已经不再适合在麦克风前说话了。我曾经信誓旦旦的，想要当别人的灯塔，为他照亮回家的路，但自己却陷入到漆黑的夜里，直到这些音乐人的歌，又一次成为了我的灯塔。那些旋律穿越时空，再一次来到我的耳边，那种生命力 像是从未老去的心脏，铿锵有力的跳动着。如果有一天我会忘记很多事，那么在有限的记忆里，这些旋律我一定不舍得忘记。这是《苏咖啡》频道更新的第三季。我想和你一起，聆听青春定格在那一瞬间 从未老去。制作笔记频道封面插画： ANI(喜洲)歌单定稿：2025年5月2日录音工程：2025年5月10日节目编号：苏咖啡S03 E01本节目依托网易云音乐平台2025年5月曲库制作分发。节目首发在网易，最好的音质也在网易。这几期的节目片花选自著名作曲家服部隆之于2020年为今井美树出道35周年重新编曲的《PRIDE》管弦乐团版。听友群联系方式 onaircafe 进入听友群必须更改昵称为居住城市-收听平台-昵称，且必须为susu可以称呼的称谓。查看节目原文：https://music.163.com/m/program?id=3076960594&radio=794760602

Today I'm joined by Pink Bella Aloha — an intuitive guide tapped into the Galactic Akashic Records. We'll be talking time travel timelines, the strange vanishing of the moon, power outages across Europe, and the concept of a “dead man's switch.” She's sharing her latest energetic insights and galactic downloads. Buckle up, we're heading off-world.DISCLAIMER:The views expressed by the guest are for educational and entertainment purposes only and do not necessarily reflect the views of the Typical Skeptic Podcast. This content is not intended as medical or legal advice. Please use discernment and do your own research.TAGS:Pink Bella Aloha, Akashic Records, Time Travel, Galactic Downloads, Moon Disappearance, Europe Blackout, Starseeds, Ascension, Dead Man's Switch, TSP 1959HASHTAGS:#PinkBellaAloha #AkashicRecords #TimeTravel #GalacticDownloads #MoonVanishing #DeadMansSwitch #StarseedMission #Ascension #TimelineShifts #TypicalSkepticPodcastPinkBellaAlohaTherapyTue, May 6, 9:39 PM (14 hours ago)to meBook a GALACTIC Quantum Akashic Records Session, Packageor Mentorship with PInk Bella:WEBSITE - https://alohapinkbella.weebly.com/EMAIL - alohapinkbella@gmail.comPink Bella Aloha - specializes in:* Deep Dives into Akashic & Galactic Akashic Records for CLARITY / SOUL MISSION & Guidance - Clearing Personal & Ancestral Contracts, Patterns & Karmic Loops* Ascension Wayshower to Prepare Starseeds, Lightworkers & the 144000for 5D New Earth* Higher Self Liaison* Quantum MultiDimensional Healer incl 12-22 Chakras & Meridian Systems* Starseed Origins & Galactic Councils of Light Transmissions* DRAGON Activations & Training* DIVINE GODDESS Codes Activations

In this message from our Authority Issues series, Pastor Dave Nelsen tackles the transmission of the Bible and whether we can trust the words we have today. Through manuscript evidence, historical context, and deductive reasoning, we'll see how God faithfully preserved His Word across centuries. If the Bible is reliable, it's not just a book—it's the foundation for knowing who God is and how we are called to live.

In the second hour we continue our conversation with Fred Bodimer about the election of a new pope. We also have Sue's News and it is a telephone Tuesday

Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Market values can change daily due to economic and other events (e.g., natural disasters, health crises, terrorism, conflicts, and social unrest) that affect markets, countries, companies or governments. It is difficult to predict the timing, duration, and potential adverse effects (e.g., portfolio liquidity) of events. Accordingly, you can lose money investing in a portfolio. Fixed-income securities are subject to the ability of an issuer to make timely principal and interest payments (credit risk), changes in interest rates (interest rate risk), the creditworthiness of the issuer and general market liquidity (market risk). In a rising interest-rate environment, bond prices may fall and may result in periods of volatility and increased portfolio redemptions. In a declining interest-rate environment, the portfolio may generate less income. Longer-term securities may be more sensitive to interest rate changes. An imbalance in supply and demand in the municipal market may result in valuation uncertainties and greater volatility, less liquidity, widening credit spreads and a lack of price transparency in the market. There generally is limited public information about municipal issuers. Income from tax-exempt municipal obligations could be declared taxable because of changes in tax laws, adverse interpretations by the relevant taxing authority or the non-compliant conduct of the issuer of an obligation and may subject to the federal alternative minimum tax.There is no guarantee that any investment strategy will work under all market conditions, and each investor should evaluate their ability to invest for the long-term, especially during periods of downturn in the market.A separately managed account may not be appropriate for all investors. Separate accounts managed according to the particular strategy may include securities that may not necessarily track the performance of a particular index. 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Telephone, Telegraph, Tell a Friend about the Goblins and Growlers Podcast. → Bonus episodes and early access on Patreon (http://patreon.com/goblinsgrowlers) → Subscribe to our monthly gaming newsletter (https://goblinsandgrowlers.beehiiv.com/subscribe) → Join the Goblins and Growlers Discord (http://bit.ly/goblindiscord) Amazingly, Wizards of the Coast is putting the new 2024* rules into Creative Commons! We talk about the implications and issues there, along with a bizarre tangent about "Three's Company." Check us out on Patreon (http://www.patreon.com/goblinsgrowlers) for bonus Deep Dive videos along with early access to the video and audio of the podcast.  LISTEN, RATE, AND SUBSCRIBE! If you like the show, please tell a friend about it. And if you want to tell more people, then please leave us a review on Apple Podcasts and/or your podcatcher of choice. You can find and/or support us at all the places below: https://patreon.com/goblinsgrowlers https://facebook.com/GoblinsAndGrowlers https://goblinsandgrowlers.podbean.com (and basically any other podcatcher) https://quidproroll.podbean.com (our sister podcast, the best narrative play)

Did you ever play the telephone game when you were in school?In the game of telephone, the teacher whispers something in a student's ear, who then passes on the message to another student, who then passes on the message to the next student, etc. The last student repeats the message out loud. Hilarity ensues—the final message is always wildly divergent from the original.I was thinking of the telephone game when I read through John 15–Jesus's famous words: “I am the vine, you are the branches.”We have developed this idea in American Christianity that a Christian is just someone who one time prayed a certain prayer. But when you compare this idea with what Jesus says in John 15, it seems totally crazy!According to Jesus, either you are abiding in him, or you aren't—there is no middle ground.

Did you ever play the telephone game when you were in school?In the game of telephone, the teacher whispers something in a student's ear, who then passes on the message to another student, who then passes on the message to the next student, etc. The last student repeats the message out loud. Hilarity ensues—the final message is always wildly divergent from the original.I was thinking of the telephone game when I read through John 15–Jesus's famous words: “I am the vine, you are the branches.”We have developed this idea in American Christianity that a Christian is just someone who one time prayed a certain prayer. But when you compare this idea with what Jesus says in John 15, it seems totally crazy!According to Jesus, either you are abiding in him, or you aren't—there is no middle ground.

⚠️ DisclaimerThe views expressed are the guests and are her own and do not necessarily reflect those of the platform we are on. The content discussed is for informational and entertainment purposes only.We are not giving medical advice

Lynn Monet is a world-renowned author, paranormal consultant, and lecturer specializing in hauntings, dying, death, and the afterlife. An empath with the ability to perceive interdimensional frequencies, she has been a nurse for over 20 years, focusing on end-of-life care, management, and geriatrics. Lynn holds a degree in biological science and has authored several books, including Omnipresent, Omnipresent: What Happened Next, and Colors of Heaven: Beginnings Never End. Her work offers profound insights into the spiritual dimensions of our existence. ​

Amy's Youtube:  https://www.youtube.com/@Miss_Loisel

On today's episode of the Typical Skeptic Podcast, I'm joined by Karen Holton, author of Transdimensional: The New Neighbours. We're diving deep into neurodiversity, autism, and how these unique traits may enhance or even unlock transdimensional perception.Karen will also share a powerful new contact experience she had on April 2nd, and how it redefined her understanding of our “new neighbours” — the multidimensional beings guiding humanity's awakening.This is a deep, personal, and cosmic transmission — one that blends lived experience with higher wisdom.

Listeners joined Mike, Sue, Fed & Ethan for Telephone Tuesday!

The blue gardenia  The Lux Radio Theatre. November 30, 1954. Program #141. , AFRTS rebroadcast. "The Blue Gardenia". A good murder mystery...who is the beautiful "Blue Gardenia" killer? AFRTS program name: "Hollywood Radio Theatre." A 1953 Warner Film Production, adapted for radio. An impulsive telephone call leads to an accusation of murder. Telephone operator Nora Larkin should never have gone out with Harry Prebble, she should never have had all them drinks and she should never have gone to Harry's apartment. But what was done was done had and when Harry came toward her with that look in his eye Nora reached out for the only weapon at hand, a fire poker. The next day Harry Prebble is discovered dead in his apartment by his cleaning woman who has wiped away any fingerprint evidence. The only clues are a lace handkerchief and a blue gardenia broken off at the stem which are found at the scene. A 1953 Warner Film Production, adapted for radio. An impulsive telephone call leads to an accusation of murder. Telephone operator Nora Larkin should never have gone out with Harry Prebble, she should never have had all them drinks and she should never have gone to Harry's apartment. But what was done was done had and when Harry came toward her with that look in his eye Nora reached out for the only weapon at hand, a fire poker. The next day Harry Prebble is discovered dead in his apartment by his cleaning woman who has wiped away any fingerprint evidence. The only clues are a lace handkerchief and a blue gardenia broken off at the stem which are found at the scene.

Be scared of woodpeckers and receipts. Fyre Festival 4 sale! Telephone memories. See omnystudio.com/listener for privacy information.

Don investigates the last days of the ancient city of Pompeii, unravels the truth behind the invention of the telephone, and exposes a former President's determination to save millions from starvation. Hosted on Acast. See acast.com/privacy for more information.

https://www.yinzaregood.com/Episode 163 brings us another extraordinary example of folks who are creating space to uplift and bring hope to others, as they themselves navigate a devastating loss. This is a conversation about random acts of kindness, the ripple effect, grief, and generosity. Tressa sits down for a powerful and inspirational chat with three of the powerhouse women behind The Flashlight Foundation: Nicole Davies, Donna Hyatt, and Kyla Sims. Created in honor of Nicole's son & Donna's grandson, Jorden, the Foundation's mission is to uplift lives through simple, meaningful acts of kindness. They believe that small amounts of generosity can spark lasting change, strengthen communities, inspire connection, and encourage others to keep their light shining. And In Case Yinz Missed It: Our friends at The Positive Painting Project's latest endeavor, Telephone of the Wind, is now open to the public!The Flashlight Foundation: https://flashlightfoundation.com/Telephone of the Wind: https://www.paintpositive.org/projectsWant to learn more about the podcast, including all of the guests who've been featured thus far? Check out our website: ⁠https://www.yinzaregood.com/⁠FOLLOW US on social media!Instagram: ⁠@yinzaregood⁠ Facebook: ⁠@YinzAreGood⁠Have a story of GENEROSITY or KINDNESS to share with us? Want a KINDNESS CRATE dropped off at your business or school? Email us at yinzaregood@gmail.com

I'm reading and talking about Ted Gioia's "Immersive Humanities Course," 52 weeks of World Classics.An interesting combination this week. Ted Gioia, the creator of my reading list, called it “Love and War,” but it felt like a lot more than that. And last week, I called it a hodgepodge, but I can admit I was wrong.Plato's Symposium is the third of Plato's works on this list. After wrestling with Ethics in particular last week, I was happy to get back to my friend. Symposium is written as a dialogue among friends, recalled by one who wasn't there, a little like the game of “Telephone” we'e all played. The friends' topic? Love, specifically eros. Given that this is upper-class Ancient Greece, there is a significant discussion of love between men; honestly romantic love between men and women is practically ignored. The reading plan only covered a few portion of Herodotus' Histories, Books 1 and 6-8. For full disclosure, I did NOT complete the reading but stopped with Book 7. In my edition of Histories the assigned books were more than 350 pages and I simply ran out of time. If I had done all the reading this week I would have been around 430 pages! Given that I “signed up” for about 250 pages per week, I had to stop. Confession time over.As always, I have so many, many thoughts about these works. For Symposium, I summarized each person's eulogy as a way to get my hands around the text. A few ideas:Obviously Love held an important place in the lives of Greeks. This entire dialogue is centered around it, but it doesn't look like love in many ways. I'm accustomed to thinking of love as wanting and being willing to work for the best of your beloved, and that being mutual. That desiring “for” someone else, rather than merely desiring them, was absent at least as far as I could see.There are a number of points made about Love as the dialogue progresses, and they definitely don't agree. As always, you're left to parse out the better and worse arguments. “You complete me” (yes, Jerry Maguire) makes an appearance! That attitude has been around a looooong time. Aristophanes tells a long and pretty funny tale about how human beings were at one time two-headed, eight-limbed creatures, but when Zeus got mad and split everyone in two. Now we go around looking for our other half.Does Love motivate us to honor? What kind of Love would do that? Or maybe Love is a moderating force? (I found that a weak argument.) Is its purpose beauty? Those are all offered as arguments, and all are rejected by Socrates. Socrates, via his mentor Diotima, argues that Love's purpose is procreation. As someone who has actually been pregnant several times, I found Socrates' discussion of pregnancy to be uncomfortable, to say the least. There is a ton of homoerotic talk, especially from Socrates and Alcibiades. It is just so strange to me that there is virtually no discussion of love between men and women, but tons between older and younger men. As usual, my bias shows, but it's who I am.On to Herodotus. He's been on my radar since I read History of the Ancient World by Susan Wise Bauer about a year and a half ago, and seeing him on the reading list was part of my motivation to jump in. He did not disappoint. The sections that I read were the origin stories of Croesus and Cyrus, and Persia, and then the beginning of the Persian War. I ended with the Battle of Thermopylae, which is an amazing story in its own right. A few takeaways:Every military leader should read this book. I may actually send it to my son who is in the Navy! There are examples of excellent leadership, and cranky...

In this segment, Mark and the crew host, "Telephone Tuesday" where they takes calls from listeners who share their thoughts on the US Postal Service.

Telephone, Telegraph, Tell a Friend about the Goblins and Growlers Podcast. → Bonus episodes and early access on Patreon (http://patreon.com/goblinsgrowlers) → Subscribe to our monthly gaming newsletter (https://goblinsandgrowlers.beehiiv.com/subscribe) → Join the Goblins and Growlers Discord (http://bit.ly/goblindiscord) Really not a political episode. Really.  Check us out on Patreon (http://www.patreon.com/goblinsgrowlers) for bonus Deep Dive videos along with early access to the video and audio of the podcast.  LISTEN, RATE, AND SUBSCRIBE! If you like the show, please tell a friend about it. And if you want to tell more people, then please leave us a review on Apple Podcasts and/or your podcatcher of choice. You can find and/or support us at all the places below: https://patreon.com/goblinsgrowlers https://facebook.com/GoblinsAndGrowlers https://goblinsandgrowlers.podbean.com (and basically any other podcatcher) https://quidproroll.podbean.com (our sister podcast, the best narrative play)

Today on the Woody and Wilcox Show: Be careful in the shower; Employers taking phones before shifts; Man finds finger in ice cream; Telephone coach; Man busted over Zoom court hearing; Student steals roommate's things; Toddler calls 9-1-1 for pizza; Worst Wheel of Fortune answer; And more!

 History's Craziest Failed Predictions: Why the Experts Got It Hilariously WrongThink you can predict the future? Think again! In this episode of An Ounce, we dive into history's biggest and funniest prediction fails. Discover why experts confidently declared airplanes impossible, dismissed the telephone, called personal computers pointless, and even predicted rock ‘n' roll's quick demise.History has never been so amusingly wrong!

In Today's Show: A plea for intervention towards the proper burial of Sister Agnes Sasagawa. How can I start the canonization process for a loved one? Should scientists be altering God's creations?  ​​Does everyone have an equal chance at salvation? What are your thoughts on the Freemasons role in the sexual revolution? Are there sexual sins in marital intimacy? What happens to someone's soul if they are murdered when not in state of grace? If canonizations are infallible, does it cast doubt on the truth of the Church? Why is it called "Spy Wednesday?" When Mary visited Elizabeth, was the highest level of holiness than at any other time on Earth? A family member became a Protestant minister.  Is he excommunicated for good? Is it acceptable for a woman to introduce herself using her husband's last name if they aren't validly married? How do I get past my deep emotions and crying during confession?   To intervene for Sister Sasagawa, please contact: Most Reverend Tarcisius Isao Kikuchi, S.V.D.Archbishop's Residence and Diocesan Office: Address: 3-16-15 Sekiguchi Bunkyo-ku Tokyo. 112-0014 Telephone: 03-3943-2301 Fax: 03-3944-8511 Visit the show page at thestationofthecross.com/askapriest to listen live, check out the weekly lineup, listen to podcasts of past episodes, watch live video, find show resources, sign up for our mailing list of upcoming shows, and submit your question for Father!

SynopsisCarlos Salzedo, the most influential harpist of the 20th century, was born in Arcachon, France, on today's date in 1885. Salzedo transformed the harp into a virtuoso instrument, developing new techniques showcased in his own compositions and that others like Stravinsky, Schoenberg, and Britten adopted in theirs.In 1921, Salzedo and Edgard Varese co-founded the International Composers Guild, promoting works by progressive composers like Bartok and Honegger. Salzedo's compositions for harp include both transcriptions as well as original works like Scintillation, probably his most famous piece, and Four Preludes to the Afternoon of a Telephone, based on the phone numbers of four of his students. He taught at the Curtis Institute and the Juilliard School, and offered summer courses in Camden, Maine. Hundreds of Salzedo pupils filled harp positions with major orchestras around the world. Salzedo himself entered the Paris Conservatory at 9 and won the premiere prize in harp and piano when he was 16. He came to America in 1909 at the invitation of Arturo Toscanini, who wanted him as harpist at the Metropolitan Opera, and — curious to note — Salzedo died in the summer of 1961, at 76, while adjudicating Metropolitan Opera regional auditions in Maine.Music Played in Today's ProgramCarlos Salzedo (1885-1961): Scintillation; Carlos Sazledo, harp; Mercury LP MG-80003

March 10, 1876. Inventor Alexander Graham Bell makes the first successful telephone call in history, revolutionizing human communication.You can listen ad-free in the Wondery or Amazon Music app. Or for all that and more, go to IntoHistory.comHistory Daily is a co-production of Airship and Noiser.Go to HistoryDaily.com for more history, daily.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.