The physical and emotional challenges of in vitro fertilisation, or IVF, never fade from your memory - whatever the outcome. But what happens when you have been lucky enough to have a child or children and you still have frozen embryos in storage you are sure you will not use. None of the choices you face are easy – to donate to another couple in need, or to science, to let them be discarded or continue to preserve them. We hear from Alison Murdoch, Professor of Reproductive Medicine at Newcastle University and two women who have come to different conclusions about what they will do. A new study of over 5000 teenagers in 46 schools has found that more than a third of teenage girls who sent nude images of themselves had been pressured into doing so. Researchers found that girls felt “shamed” when their nude images were leaked, while boys said that the leaking could lead them to gain social status. It also revealed that 34% of girls were first asked to send a nude when they were 13 or younger. Emma is joined by Soma Sara, the founder of Everyone's Invited - a safe place for survivors to share their stories anonymously - and Ruby Wootton, associate director from Revealing Reality, one of the authors of the study - which was done in collaboration with PHSE, that's the national body for personal, social, health and economic education. Being a ranger in the wild - protecting animals from poachers, leading conservation efforts and sometimes putting yourself in the line of fire - isn't often a job taken on by women. In fact, less than 11% of the global wildlife ranger workforce is female - something many in the sector want to change. Holly Budge is a British adventurer who's founded World Female Ranger Week following a successful World Female Ranger Day last year. Purnima Devi Barman is a conservationist from the state of Assam in north-eastern India who set up her own 'Stork Army' to save one species of bird. They both join Emma on the programme. The Treasury's Women in Finance Charter has published its annual review looking at gender diversity within the financial sector in the UK for 2021. Amanda Blanc is CEO of Aviva, the UK's leading insurer and leads the Women in Finance Charter and speaks to Emma about the review as well as her experiences of sexism as one of a handful of female FTSE 100 bosses.
A new MP3 sermon from The Narrated Puritan is now available on SermonAudio with the following details: Title: Open My Eyes To Behold Wondrous Things - Treasure of David Ps. 119:18 Subtitle: The Treasury of David Speaker: C. H. Spurgeon Broadcaster: The Narrated Puritan Event: Audio Book Date: 6/22/2022 Bible: Psalm 119:18-21 Length: 14 min.
* The following is a portion of remarks as prepared for delivered by Secretary of the Treasury Janet Yellen during a visit to the Rosebud Reservation, home of the Rosebud Sioux Tribe, in South Dakota on June 21, 2022. The text was provided by the Department of the Treasury. Thank you very much for that introduction. And President [Scott] Herman, thank you for your generosity and hospitality. It's great to be here. This is my first visit to Indian Country, and it's meaningful to me to see first-hand the beauty of the Rosebud Reservation and to hear about your Tribe's rich heritage. It's also been illuminating to listen to you discuss the deep challenges that you and Tribal nations around the country face, and hear your thoughts on how we can partner together to accelerate the economic recovery for all Tribal citizens. I've spent my entire career thinking about economic policy and how it can help people during hard times and create longer-term opportunities. I see a great deal that policies can do to support Tribal communities. Tribes are the backbone of local communities, and Tribal governments are often the largest employer of their citizens and residents in surrounding areas. Simply put, reservations can be centers of economic opportunity for millions of Tribal and non-Tribal members and they merit deep investment by the federal government and our private sector partners. Yet, despite the efforts by Tribal governments to develop their economies, significant inequities exist. Many have their roots in prior federal policy. According to the US Commission for Civil Rights' Broken Promises Report, over 25 percent of Native Americans live in poverty. In certain Tribes, over half of their citizens live in poverty. For Native Americans living on reservations, the unemployment rate is around 50 percent. Those numbers are unacceptably high. The last two years have been hard for everyone, but they've been especially difficult for Native American communities. Tribal communities have had some of the highest COVID mortality rates in the country, and the data shows that few suffered more than Native American workers and enterprises during the pandemic. In addition to the pain the pandemic caused Tribal families and communities, this disproportionate impact resulted in the loss of critical Tribal revenue that supports governmental services for Tribal citizens in need. The American Rescue Plan, signed by President Biden in March 2021, provided much-needed relief, injecting billions of dollars into Tribal communities across the country. This legislation has led to a historic investment in Indian Country. Our flagship program, the Fiscal Recovery Funds, provided $20 billion to Tribal governments to help fight the pandemic and help Tribal households and businesses recover. Tribes across the country, including right here, used these funds for vaccination efforts to protect their Tribal citizens. Some places – like Rosebud – are using the funds for affordable housing projects. Others, such as the Quechan Indian Tribe, are providing assistance to Tribal members who own small businesses that have been negatively affected by COVID‐19. To date, 99% of this fund has been distributed, benefitting 2.6 million Tribal citizens across the U.S. Other programs have also helped Tribal nations recover. Take the Emergency Rental Assistance program. Tribal citizens faced acute rental challenges pre-pandemic, and these conditions rapidly worsened after March 2020. This program allocated $800 million to Tribes to help prevent evictions and keep Tribal citizens safely and stably housed. Early reports show that thousands of low-income Tribal citizens have received housing assistance across Tribal nations. Here, Rosebud has spent $6.3 million to serve 700 low-income households in need of emergency rental assistance. FULL REMARKS: https://www.indianz.com/News/2022/06/22/secretary-yellen-delivers-remarks-on-first-visit-to-indian-country/
The first half of 2022 is now in the books, and the Treasury 10-year yield continues to make headlines in the bond market. This week on the Basis Points podcast, Kevin Flanagan covers where the treasury yield might be headed next to help investors feel updated and informed on the latest market updates and developments. Basis Points: 1/100th of 1 percent. Fibonacci retracement: A technical analysis tool displaying percentage lines which look at support and resistance levels, potentially signaling short-term price/yield reversals. The concept of retracement suggests that after a period of market movement, prices/yields can retrace a portion of their prior pattern before returning to their original trend.
Stocks look set to rebound firmly from their worst week in more than two years, but traders remain worried about near-term recession risk and are closely-eying moves in Treasury bond yields.
As price to earnings multiples fall and inflation continues to weigh on the economy, long term earnings estimates may still be too high as the risk of a recession rises. -----Transcript-----Welcome to Thoughts on the Market. I'm Mike Wilson, Chief Investment Officer and Chief U.S. Equity Strategist for Morgan Stanley. Along with my colleagues, bringing you a variety of perspectives, I'll be talking about the latest trends in the financial marketplace. It's Tuesday, June 21st at 11 a.m. in New York. So let's get after it. Coming into the year, we had a very out of consensus view that valuations would fall at least 20% due to rising interest rates and tighter monetary policy from the Fed. We also believed earnings were at risk, given payback and demand, rising costs and inventory. With price to earnings multiples falling by 28% year to date, the de-rating process is no longer much of a call, nor is it out of consensus. Having said that, many others are still assuming much higher price to earnings multiples for year end S&P 500 price targets. In contrast, we have lowered our price to earnings targets even further as 10 year U.S. Treasury yields have exceeded our expectations to the upside. In short, the price to earnings multiple should still fall towards 14x, assuming Treasury yields and earnings estimates remain stable. Of course, these are big assumptions. At this point, a recession is no longer just a tail risk given the Fed's predicament with inflation. Indeed, this is the essence of our fire and ice narrative - the Fed having to tighten into a slowdown or worse. Our bear case for this year always assumed a recessionary outcome, but the odds were just 20%. Now they're closer to 35%, according to our economists. We would probably err a bit higher given our more negative view on the consumer and corporate profitability. From a market standpoint, this is just another reason why we think the equity risk premium could far exceed our fair value estimate of 370 basis points. Of course, the 10 year Treasury yield will not be static in a recession either, and would likely fall considerably if growth expectations plunge. For example, the equity risk premium exceeded 600 basis points during the last two recessions. We appreciate that the next recession is unlikely to be accompanied by a crisis like the housing bust in 2008, or a pandemic in 2020. Therefore, we're willing to accept a lower upside target of 500 basis points should a recession come to pass. Should the risk of recession increase to the point where it becomes the market's base case, it would also come alongside a much lower earnings per share forecast. In other words, a recession would imply a much lower trough for the S&P 500 of approximately 3000 rather than our base case of 3400 we've been using lately. As of Friday's close, our negative view is not nearly as fat of a pitch, with so much of the street now in our camp on both financial conditions and growth. Having said that, the upside is quite limited as well, making the near-term a bit of a gamble. Equity markets are very oversold, but they can stay oversold until market participants feel like the risk of recession has been extinguished or at least reduced considerably. We do not see that outcome in the near term. However, we can't rule it out either and appreciate that markets can be quite fickle in the short term on both the downside and the upside. What we can say with more certainty today versus a few months ago is that earnings estimates are too high, even in the event a recession is avoided. Our base case 3400 near-term downside target accounts for the kind of earnings risk we envision in the event a soft landing is accomplished. For us, the end game remains the same. We see a poor risk reward over the next 3 to 6 months, with recession risk rising in the face of very stubborn inflation readings. Valuations are closer to fair at this point, but hardly a bargain if earnings are likely to come down or a recession is coming. While investors have suffered quite a setback this year, we can't yet get bullish for more than just a bear market rally until recession arrives or the risk of one falls materially. At the stock level, we continue to favor late cycle defensives and companies with high operational efficiency. Thanks for listening. If you enjoy Thoughts on the Market, please take a moment to rate and review us on the Apple Podcast app. It helps more people to find the show.
It's June 21st. This day in 1790, in lower Manhattan, Alexander Hamilton and James Madison sit down in a meeting brokered by Thomas Jefferson to work out a major compromise involving the Treasury department and the location of the US Capitol. Jody, Niki and Kellie discuss the meeting, the myths around it, and how it was ultimately a major test of a new democracy in action. Sign up for our newsletter! Find out more at thisdaypod.com And don't forget about Oprahdemics, hosted by Kellie, out now from Radiotopia. This Day In Esoteric Political History is a proud member of Radiotopia from PRX. Your support helps foster independent, artist-owned podcasts and award-winning stories. If you want to support the show directly, you can do so on our website: ThisDayPod.com Get in touch if you have any ideas for future topics, or just want to say hello. Our website is thisdaypod.com Follow us on social @thisdaypod Our team: Jacob Feldman, Researcher/Producer; Brittani Brown, Producer; Khawla Nakua, Transcripts; music by Teen Daze and Blue Dot Sessions; Julie Shapiro and Audrey Mardavich, Executive Producers at Radiotopia
If you want your treasury career to take off, you've got to be bold. Taking risks and being vocal about what you want might be something you'd rather avoid, especially if you're in the early days of your career. However, it's something that this week's Treasury Career Corner guest believes is vital to success. Sandra Ramos-Alves, Senior Vice President and Treasurer at Bristol Myers Squibb, joins the podcast to take us through her career journey so far. She shares what she credits to her success and the coaching tips she gives other treasury professionals. Sandra first joined Bristol Myers Squibb in 2019 with the acquisition of Celgene Corporation as Vice President and Assistant Treasurer. At Celgene, Sandra was Executive Director and Assistant Treasurer and held roles of increasing responsibility since joining in 2005. She had the opportunity to build a best-in-class treasury organisation, established the banking infrastructure and the financial risk management programs, optimised the capital structure, and financed multiple acquisitions in the debt capital markets. Sandra holds a Bachelor of Science in Accounting and Spanish from Rutgers University and a Master of Science in Accounting with a concentration in Strategic Cost Management and Entrepreneurial Finance from Babson F.W. Olin Graduate School of Business. She is also a Certified Public Accountant. Bristol Myers Squibb is a global biopharmaceutical company, and its mission is to discover, develop and deliver innovative medicines that help patients prevail over serious diseases. Their medicines are helping millions of patients around the world in disease areas such as oncology, cardiovascular, immunoscience, fibrosis and others. On the podcast we discussed… How being proactive and trying new things can open new opportunities How treasury skills can apply to any industry Why taking risks and being vocal are key to career growth The importance of networking Why new tech is the future in treasury Why Sandra coaches young treasury professionals to try new things You can connect with Sandra on https://www.linkedin.com/in/sandra-ramos-alves-cpa-4810081/ (LinkedIn). Are you interested in pursuing a career within Treasury? Whether you've recently graduated, or you want to search for new job opportunities to help develop your treasury career, The Treasury Recruitment Company can help you in your search for the perfect job. https://treasuryrecruitment.com/jobs (Find out more here). Or, send us your CV and let us help you in your next career move! If you're enjoying the show please rate and review us on whatever podcast app you listen to us on, for Apple Podcasts https://podcasts.apple.com/gb/podcast/the-treasury-career-corner/id1436647162#see-all/reviews (click here)!
There's a lot of uncertainty in the economy right now as inflation pushes higher. The housing market is contributing to inflation with higher home prices, and now we're seeing higher mortgage rates. As potential homebuyers get priced out of the market, real estate investors see the need for housing as a big opportunity for single-family rentals.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Institutional investors have been very busy this year expanding their portfolios of single-family rental homes. As reported by HousingWire, they've sponsored at least 10 SFR securitization deals worth almost $8 billion. (1) ATTOM Data Solutions' Rick Sharga says: The historically low inventory of homes to buy coupled with (rental) vacancy rates hovering around 2.5%, have positioned SFR owners for success in today's housing market.”Strength of the Single-Family Rental MarketThe institutional deals highlight the strength of the single-family rental market, but it's the “mom and pop” investors who are the biggest beneficiaries because the single-family rental market is dominated by small investors. According to rentalhomecouncil.org, 99% of single-family rentals are owned by smaller investors and 90 percent of them own fewer than ten units. (2)But the Wall Street landlords are showing a lot of interest, and their share is growing. This trend is gaining momentum as potential homebuyers lose the battle against inflation, and the Fed tightens the belt on the money supply.The Fed's recent decision to increase short-term lending rates by a whopping 75 basis points is the Fed's latest attempt to slow a hot economy. It's the biggest rate hike we've seen since 1994 and will raise borrowing costs for adjustable rate mortgages and other short-term loans.Rising Mortgage RatesIt's not directly tied to the popular fixed-rate mortgage, but will impact mortgages through a complex set of economic relationships. That includes nervousness among investors, bond yields and the 10-year Treasury. After more than a decade of low mortgage rates, the 30-year fixed-rate mortgage topped 6% last week. According to ATTOM, mortgage originations were down 18% from the Q4 of last year to Q1 of this year. Year-over-year, they were down 32%. The biggest reason for the mortgage downturn is a decrease in refinancing. ATTOM says just 1.45 million home loans were rolled into new mortgages during the first quarter. That's 22% lower than the end of last year and 46% lower than a year ago.According to Sharga: “The drop-ff in Q1 refinancing activity is no surprise with mortgage rates rising as rapidly as they have.”Renting Cheaper than BuyingHome prices are also keeping homebuyers at bay. According to John Burns Real Estate Consulting, it's now more costly to own a home than it is to rent one since the year 2000. The consulting group says it costs about $839 per month more to buy than to rent. (3)John Burns senior research manager, Danielle Nguyen, says: “With demand now shifting toward renting, home builders who were once reluctant to sell to rental home investors are now soliciting offers from investors.” She says: “Strong demand from investors will provide additional support to today's home prices.”SFR Opportunities for InvestorsAs dire as it may sound to hear about higher mortgage rates and expensive homes, demand for single-family rentals remains strong, and that's attracting more institutional investors. MetLife Investment Management told HousingWire that: “MIM believes that institutional SFR ownership is likely to grow significantly over the next decade.” It expects that share to grow from 2% where it is today to around 10% in the future. Much of that growth will come from the new build-to-rent trend that's taking shape.It isn't just the big landlords who are doing the build-to-rent thing. Although it's great that institutional investors might prefer to leave the existing home inventory to small investors and homebuyers, there are opportunities for small investors to own newly-built rentals. If you're a member of RealWealth, then you probably know that we work with with property teams who can provide that kind of rental unit to our members. If you'd like to know more about that, please go to newsforinvestors.com and sign up. It's free, and will give you access to our resources, including investment counselors and property teams. While you are there, you can also check for links on this topic in the show notes for this episode.Also, please remember to hit the subscribe button, and leave a review! Thanks for listening. I'm Kathy Fettke.Links:1 -https://www.housingwire.com/articles/as-rates-skyrocket-wall-street-single-family-rental-investors-see-opportunity/?utm_campaign=Newsletter%20-%20HousingWire%20Daily&utm_medium=email&_hsmi=216674568&_hsenc=p2ANqtz-9kKz4UtawEjJ2FBXak6h5mP0nz8HU01QcfNmJN26CMLgu3kR8V-0LQbz_pxwqztwv6NKfgARrR6Fz2zghXhhq6CKy2Gg&utm_content=216674568&utm_source=hs_email2 -https://www.rentalhomecouncil.org/3 -https://www.marketwatch.com/story/its-now-more-expensive-to-own-a-home-than-to-rent-one-than-at-any-time-since-2000-heres-what-that-means-for-house-prices-11655213808
Building on last week's podcast on debt and equity, Craig Jeffery and Paul Galloway discuss the differences between the return of capital and the return on capital. Download our recent eBook on Payment Security & Fraud Prevention - The Principles of SECURE CLAMPS
In this episode Scott discusses: It’s been a debacle in the markets year to date. The price of oil has softened one bit to $110 a barrel from nearly $121 last week. Treasury yields update. Bitcoin is now below $20,000. The Fed wishes it could get real time data on inflation.
If you need a clear, concise and definitive guide to SCF in 2022 and 2023 then look no further! Due to their remit as financial risk assessors, treasurers need to understand the pitfalls associated with supply chain disruption. In this podcast, hosted by TMI's Eleanor Hill, our expert guests Rowan Austin and Mirka Skrzypczak (NatWest) instruct on how best to prepare for future risks in an evolving SCF landscape. In addition, hear how the transition to a ‘just-in-case' model is impacting money flows, and advice on how treasures can best embrace supplier sustainability and diversity.
A reverse mortgage could pay for long-term care, but should you do it? What you need to know about the Constant Maturity Treasury (CMT) Rate Novad protests the assignment of HUD-held HECM servicing to Celink
Treasury secretary speaks out about struggling economy; Public hearings resume in Jan. 6 investigation; Americans commemorate Juneteenth across country Learn more about your ad choices. Visit megaphone.fm/adchoices
We went On Call with Eric Barbier, the CEO and founder of TripleA, B2B crypto payments solutions company headquartered out of Singapore, that helps businesses globally increase their revenue by enabling crypto payments and payouts. In this jampacked call, we do not only talk about crypto and TripleA's work in pioneering business payments use cases, but also Eric's entrepreneurial journey, being a serial fintech founder scaling companies amidst challenging market conditions like the turn of the millennium dotcom boom and crash, then the global financial crisis, as well as driving payments adoption and use cases from web2 to now web3 with TripleA. Eric and TripleA are also the first investee of Insignia Ventures Partners' Moonshot Fellowship (see full press release), bringing together a network and community of web3 founders and talent building important infrastructures and laying the foundations for the still-nascent web3 ecosystem. Transcript Timestamps (00:23) Paulo introduces TripleA and Eric; (02:26) The Entrepreneurial Pioneer Journey from Mobile Messaging to Mobile Payments to Crypto Payments for Business; (06:16) Building for Crypto's Mainstream Adoption through B2B Payments Solutions; (11:12) Advantages of Building Crypto Solutions in Singapore; (14:51) Assorted Topics: Un-Learnings from Web2, Starting Companies in Fundraising Winters, Local Stablecoins, Bridging Web2 Fintechs to Web3; (21:25) Future of Global Crypto Payments; (23:41) Rapid Fire Round; About our guest TripleA is founded by Eric Barbier, a repeat FinTech entrepreneur with a proven track record of building successful payments companies. He co-founded Mobile 365 back in 1999, a mobile messaging hub that reached a subscriber base of over 400 million. It was acquired by Sybase (now SAP) for $425M. He then founded TransferTo (now Thunes) in 2006 on the idea that transferring money should be as easy as sending a text message. Today, Thunes has raised over $60M and is now the largest payment network connected to mobile wallets. With partners like Paypal and M-Pesa in its network, Thunes supports 60+ currencies, enables payments to 110+ countries, and helps businesses accept 285+ payment methods. He is also an investor and board member in global fintech companies, including the first digital bank in Saudi Arabia. Music: Energetic and Upbeat Rock Background Music For Videos and Workouts The content of this podcast is for informational purposes only, should not be taken as legal, tax, or business advice or be used to evaluate any investment or security, and is not directed at any investors or potential investors in any Insignia Ventures fund.
In an exclusive interview with Meet the Press, member of the January 6th Select Committee Rep. Jamie Raskin (D-Md.) discusses the latest on the investigation and hearings. Former Secretary of the Treasury Larry Summers joins exclusively to discuss the economy and where it is headed. Peter Alexander, Brendan Buck, María Teresa Kumar and Betsy Woodruff Swan join the Meet the Press roundtable.
The Pew Research Center reports that the U.S. public now views inflation as the top problem facing the country, by a wide margin. It's not hard to see why. After decades of low and stable inflation, the U.S. economy is witnessing a rate of price increase unseen since the 1970s and 80s. Why is inflation so high? Who does it hurt most? And what are the prospects for it coming down? Karen Dynan of Harvard University joins EconoFact Chats to discuss some of these questions. Karen is a Professor of Practice in the Department of Economics at Harvard University. She previously served as Assistant Secretary for Economic Policy at the U.S. Department of the Treasury.
Nancie McDermott is back with us this week to continue our talk about facing uncomfortable truths, how white ignorance serves evil, and how we need to shut up, listen and learn! Start by watching “Reconstruction: America After the Civil War” on your local PBS station. https://www.pbs.org/show/reconstruction-america-after-civil-war/ Excerpted from Nancie's Anti-Racism Facebook page: “I'm Nancie McDermott, a white woman born and raised in North Carolina. I started this group as a place to look at how powerfully and stealthily racism and anti-Blackness are woven into our systems and institutions…We can move toward creating a place of justice and safety; of compassion and respect, of equity with opportunity for everyone. Knowing the truth can strengthen us to speak up, take action, examine our perspectives, and change things that seemed immovable. Silence means consent, so let's be loud and clear about where we are now, how we got here, where we want to go, and who we want to be: A nation of liberty and justice for all.” Nancie's links: Facebook: https://www.facebook.com/NancieMcDermott Nancie's Anti-Racism Page: https://www.facebook.com/groups/435086244410173 YouTube: https://www.youtube.com/channel/UCMeXbPSB2545WygzQxUOcTQ/featured Instagram: https://www.instagram.com/nanciemacpix/ Pinterest: https://www.pinterest.com/nanciestable/ Twitter: https://twitter.com/nanciestable Nancie's Resources: READ: Cookbooks and food books (in order of publication): BRAND NEW BOOK on Juneteenth! Watermelon and Red Birds: A Cookbook for Juneteenth and Black Celebrations, by Nicole Taylor https://www.amazon.com/Watermelon-Red-Birds-Juneteenth-Celebrations/dp/1982176210 https://www.simonandschuster.com/books/Watermelon-and-Red-Birds/Nicole-A-Taylor/9781982176211 Cheryl Day's Treasury of Southern Baking, by Cheryl Day https://www.amazon.com/Cheryl-Days-Treasury-Southern-Baking/dp/1579658415/ref=sr_1_1?crid=35TSRNNF4ZWZW&keywords=treasury+of+southern+baking&qid=1654185620&s=books&sprefix=treasury+of+southern+baking%2Cstripbooks%2C57&sr=1-1 Life Is What You Bake It: Recipes, Stories, and Inspiration for Baking Your Way to the Top, by Vallery Lomas https://www.amazon.com/Life-What-You-Bake-Inspiration-ebook/dp/B08PY8ZTVB Jubilee: Recipes from Two Centuries of African American Cooking, by Toni Tipton-Martin https://www.amazon.com/Jubilee-Recipes-Centuries-African-American-Cookbook/dp/1524761737/ref=pd_lpo_3?pd_rd_i=1524761737&psc=1 High on the Hog: A Culinary Journey from Africa to America, by Dr. Jessica B. Harris https://www.amazon.com/High-Hog-Culinary-Journey-America/dp/1608194507/ref=asc_df_1608194507/?tag=hyprod-20&linkCode=df0&hvadid=312068104930&hvpos=&hvnetw=g&hvrand=613964457390760630&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=1021225&hvtargid=pla-512300006634&psc=1 WATCH: Available on streaming services High on the Hog Netflix Series When They See Us Directed by Ava Duvernay Selma Directed by Ava Duvernay Amazon Just Mercy Story of Attorney Bryan Stevenson, founder and director of Equal Justice Initiative (see below) Amazon Prime Black Panther Marvel hero T'Challa played by the late Chadwick Bozeman “I Am Not Your Negro” Documentary on James Baldwin Reconstruction: America After the Civil War PBS Documentary Series by Dr. Henry Louis Gates MORE RESOURCES: The Equal Justice Initiative https://eji.org/ https://eji.org/about/ Visit EJI's two locations in Montgomery AL: The National Memorial for Peace and Justice The Legacy Museum Sign up for Daily emails from EJI https://calendar.eji.org/sign-up The 1619 Project: A New American Origin Story, by Nikole Hannah-Jones https://www.amazon.com/1619-Project-Born-Water/dp/0593307356/ref=pd_bxgy_img_sccl_1/130-0109168-1434738?pd_rd_w=Vnpek&content-id=amzn1.sym.6b3eefea-7b16-43e9-bc45-2e332cbf99da&pf_rd_p=6b3eefea-7b16-43e9-bc45-2e332cbf99da&pf_rd_r=PNRP5942HGGKK4SDR2Z4&pd_rd_wg=crjZq&pd_rd_r=3b079be2-80eb-4c81-980e-8dd9e7d95863&pd_rd_i=0593307356&psc=1 Born on the Water (The 1619 Project), picture book by Nikole Hannah-Jones https://www.amazon.com/1619-Project-Born-Water/dp/0593307356/ref=pd_bxgy_img_sccl_1/130-0109168-1434738?pd_rd_w=Vnpek&content-id=amzn1.sym.6b3eefea-7b16-43e9-bc45-2e332cbf99da&pf_rd_p=6b3eefea-7b16-43e9-bc45-2e332cbf99da&pf_rd_r=PNRP5942HGGKK4SDR2Z4&pd_rd_wg=crjZq&pd_rd_r=3b079be2-80eb-4c81-980e-8dd9e7d95863&pd_rd_i=0593307356&psc=1 Women Beyond a Certain Age is an award-winning weekly podcast with Denise Vivaldo. She brings her own lively, humorous, and experienced viewpoint to the topics she discusses with her guests. The podcast covers wide-ranging subjects of importance to older women. SHOW LINKS Website: https://womenbeyond.podbean.com Join our Facebook group: https://www.facebook.com/groups/WomenBeyond/ Follow our Facebook page: https://www.facebook.com/WomenBeyond/ Instagram: https://www.instagram.com/womenbeyondacertainage/ Episode archive: https://womenbeyond.podbean.com Email us: WomenBeyond@icloud.com Denise Vivaldo is the host of WBACA. Her info lives here: https://denisevivaldogroup.com/ More of Denise's info is here: https://denisevivaldo.com Cindie Flannigan is the producer WBACA. Her info lives here: https://linktr.ee/cindieflannigan Denise and Cindie's books: https://www.amazon.com/Denise-Vivaldo/e/B001K8QNRA%3Fref=dbs_a_mng_rwt_scns_share Find us on Podbean, Apple Podcasts or wherever you listen! https://womenbeyond.podbean.com/e/culture-and-cakes-with-nancie-mcdermott/
In this episode, Smita Deorah (Co-Founder & Co-CEO, Lead School), joins our host Digjay, to talk about her path leading up to Lead School, the genesis phase and what led Smita to make Lead her life's work, how Lead plans to radically improve the state of education in India by transforming schools, the growth playbook & key challenges faced when building a scalable B2B product/service, what should founders focus on when hiring the core team for a mission driven startup like Lead, Smita's fundraising experience, Lead's criteria to select their investors & value-add from each of them, how being an entrepreneur has influenced Smita's personality over the years and more. Smita & Sumeet, founded Lead School (Lead) in 2012 with a vision to make global-standard education accessible and affordable to students, especially in non-metro cities. Lead integrates a world-class curriculum with technology that powers all stakeholders in a school environment. Today Lead caters to 5000+ schools in 500+ cities across India. This school edtech unicorn startup, was bootstrapped through 2017 & has subsequently raised >$100mm in funding from marquee investors like Elevar Equity, Westbridge Capital & GSV Ventures. Prior to Lead, Smita founded Sparsh, a non-profit that implemented a pre-school in a box solution in 16 pre-schools around Mumbai. Prior to that, Smita spent 9 years in Procter & Gamble Singapore and India as a leader in Finance, Treasury and Strategy. You can connect with her here on Linkedin or Twitter. ---- Show notes – (01:45) Smita's background & her path leading up to Lead School (07:15) What led Smita to start Lead & make this her life's work (10:30) The current state of India's primary education system & how Lead plans to radically improve the status quo (17:55) Lead's first principles approach of building a scalable B2B product; focus on the target audience, product design and measurable outcomes (23:25) The growth playbook; Key challenges faced when scaling up Lead (34:58) What should one over index on when hiring the core team for a mission driven startup like Lead? (39:15) Fundraising experience; Lead's criteria to select their investors (42:12) Value add from each institutional investor on the cap table - Elevar Equity, West Bridge Capital & GSV Ventures (47:15) How has being an entrepreneur influenced Smita's personality over the years? (54:00) Rapid fire and closing remarks ---- If you liked our episode, you can subscribe to our podcast on any podcast platforms of your choice (like Spotify & Apple iTunes). We would appreciate if you could leave us a review on Apple iTunes. This helps others discover the podcast organically. You can visit thevcpreneur.com and follow us on Twitter @thevcpreneur_ & Instagram @thevcpreneur for more episodes and interesting insights on the startup ecosystem. You can also follow our host Digjay here on Linkedin & Twitter
Who is the witch known as Tasha? What are here origins? DMsGuild Corner of the Week: Tasha's Crucible of Everything Else, vol. 1 Tasha's Crucible of Everything Else, vol. 2 Tasha's Crucible of Everything Else, vol. 1 and 2 BUNDLE Mini Madness: Icons of the Realm - Spelljammer: Adventures in Space ~~DnD Lorecast D&D Rulebook Giveaway~~ Through 11:59pm on June 30, 2022, the DnD Lorecast will be having drawing for EIGHT Dungeons and Dragons rulebooks with 100% of the proceeds going to the Critical Role Foundation. Included are: D&D Core Rulebook Gift Set (PHB, DMG, and MM + DM Screen) Fizban's Treasury of Dragons Mordekainen's Tome of Foes Tasha's Cauldron of Everything Volo's Guide to Monsters Xanathar's Guide to Everything ONE ticket costs $4USD, THREE tickets cost $10USD You can buy tickets by sending money via PayPal, Venmo, or CashApp! A winner will be announced during our July 7 show! Equip your own adventures: D&D 5th Edition Starter Set: https://amzn.to/2WgZX6O D&D 5th Edition Players Handbook: https://amzn.to/3iRtcH4 D&D 5th Ed Monster's Manual: https://amzn.to/2Eeh8Qp 38 Fantasy Miniatures: https://amzn.to/34kh6kX Spellbook Cards (Arcane): https://amzn.to/3iRJfUo Spellbook Cards (Cleric): https://amzn.to/2Qfrwdf Awesome Looking Dice Sets: https://amzn.to/3aHFwpM Links: Fandom University - Sergio's OTHER nerdy podcast! Multi-episodes arcs deep-diving into various nerdy topics **SEASON 1 NOW COMPLETE** Talk D&D and join the Robots Radio fam: Discord: discord.gg/JXKfVhM Stay plugged in on Twitter: twitter.com/dndlorecast Send us a note! Email: firstname.lastname@example.org Get a cool shirt, hat, or hoodie, and support the show: DnD Lorecast Merch ROBOTSRADIO.net - Smart Shows for Interesting People. Explore all the awesome shows on the network. Music: Dangerous by Kevin MacLeod Link: https://incompetech.filmmusic.io/song/3587-dangerous License: http://creativecommons.org/licenses/by/4.0/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The Australian Tax Office has issued warnings that it intends to crackdown on "washing machine" payments from family trusts to beneficiaries. And the head Treasury, Dr Stephen Kennedy, indicated in a recent speech that there should by closer scrutiny of tax planning by individuals and businesses. Is copious tax planning an affront to a fair tax system?
A review of the week's major US international tax-related news. In this edition: President Biden expresses confidence budget reconciliation bill will pass Congress; meetings held – Congressional Republicans propose anti-inflationary measures, including tax cuts – Republican House Ways and Means Committee members ask Treasury to delay final foreign tax credit regulations – OECD official urges ‘first-movers' on BEPS 2.0 Pillar Two.
Houston, we have an economic problem! The Federal Reserve, the U.S. Treasury, and the government are destroying our economy and the middle-class is paying 100% of the price. Listen to my podcast to learn more...
Whistleblower program. In addition to the methods of proof the IRS has developed, the Tax Relief and Health Care Act of 2006 created the IRS Whistleblower Office, which allows anonymous whistle blowers to receive 15 to 30 percent of any recovery by the IRS which comes to at least $2 million including all penalties, interests and any other monies collected from the government. The whistleblower program seeks information based on evidence and analysis which can provide a solid basis for further investigation rather than speculation and hearsay. The program is designed to provide incentive to ordinary citizens to inform on tax cheats. The program provides far greater incentives for whistleblowers than previous programs because under prior programs the government was not required to compensate whistleblowers. Under this program, a taxpayer may file a lawsuit in court if he or she does not receive a deserved award. Whistleblower Office. Established by the Tax relief and Health Care Act of 2006, the IRS Whistleblower Offices processes tips received from eligible individuals who spot tax problems in their workplace, in their day-to-day personal business, or anywhere else. After determining the degree of credibility, an appropriate IRS office is assigned the case for further investigation. The IRS office assigned varies by the type of issue that the whistleblower alerted it to. Individuals must meet qualifications to be eligible to receive the reward and must submit Form 211 with supporting documentation to the Internal Revenue Service Office in Ogden, Utah. To claim eligibility the individual must not be an employee of the Department of Treasury or have been an employee there when they obtained the information, must not have obtained the information through the individual's official duties as an employee of the federal government, or who obtained the information based on a contract with the federal government. Whistleblower incidents happen in greater frequency in the private sector opposed to the government. The reward can be worth between 15 and 30 percent of the total proceeds that the IRS collects. To claim the reward, the IRS must move ahead based on the information provided and the amount identified, including taxes, penalties, and interests, must be worth more than $2 million. A gross income of $200,000 or more is required if the taxpayer in question is an individual. The Bipartisan Budget Act of 2018 added subsection 7623(c) which expanded the definition of proceeds for whistleblower awards and was applied to open whistleblower claims. The Taxpayer First Act was signed by President Trump on July 1, 2019. This law made changes surrounding the notification process to whistleblowers and increased protection against retaliation available to whistleblowers. The main goal of the legislation was to improve taxpayer service and to ensure that enforcement of the laws is done in a fair, impartial manner, ultimately supporting the continued success of the nation. --- Send in a voice message: https://anchor.fm/law-school/message Support this podcast: https://anchor.fm/law-school/support
Today's show is different. My guest, Sigal Mandelker, is the former U.S. Undersecretary of the Treasury for Terrorism and Financial Intelligence, and she talks to us with exceptional reflexion and, frankly, frustration, about why and how we need our government to work better. That's not a novel theme, of course – the world is noisy with critiques of government. Sigal's message is distinct, though, and desperately needs to be heard, because it's about technology. Now a General Partner at Ribbit Capital, she's on the cutting edge of understanding the technology gap in financial regulation, specifically in the fight against terrorism and financial crime but also more broadly, because both the public and private sectors are using technology that is several generations out of date.
U.S. Treasury yields pulled back slightly on Wednesday morning ahead of the Federal Reserve's key monetary policy announcement. Traders initially anticipated a 50-basis-point interest rate hike, but in light of the red hot inflation print, the market is now pricing a more than 95% chance of a 75-basis-point increase, the biggest since 1994. Down for the eighth consecutive day, bitcoin regained little strength after falling to a 30-month low of $20,834.50 on Monday night but was still down over 5% over the past 24 hours. What will this mean for crypto? and how much pain are we in store for?Guest: Andrew Horowitz is the President and Founder of Horowitz & Company, a Registered Investment Advisor. He is also the host of The Disciplined Investor Podcast.The Disciplined Investor Podcast ➜ https://t2m.io/DisciplinedInvestor#stockmarket #bitcoin #crypto ~Inflation & Fed Effects on Crypto & Stock Market w/ Andrew Horowitz | The Disciplined Investor~⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺⎺Become a Diamond Circle Member FREE! ➜ https://bit.ly/PBDiamondCircleSubscribe on YouTube ✅ https://bit.ly/PBNYoutubeSubscribeFacebook
Coronavirus spreading dramatically in Israel, Teachers Union and Treasury in wage negotiations as schools continue to stage partial sanctions, health care system strikes for a day over violence toward medical staff See omnystudio.com/listener for privacy information.
The Federal Reserve on Wednesday intensified its drive to tame high inflation by raising its key interest rate by three-quarters of a point — its largest hike in nearly three decades — and signaling more large rate increases to come that would raise the risk of another recession. The move the Fed announced after its latest policy meeting will increase its benchmark short-term rate, which affects many consumer and business loans, to a range of 1.5% to 1.75%. The central bank is ramping up its drive to tighten credit and slow growth with inflation having reached a four-decade high of 8.6%, spreading to more areas of the economy and showing no sign of slowing. Americans are also starting to expect high inflation to last longer than they had before. This sentiment could embed an inflationary psychology in the economy that would make it harder to bring inflation back to the Fed's 2% target. The Fed's three-quarter-point rate increase exceeds the half-point hike that Chair Jerome Powell had previously suggested was likely to be announced this week. The Fed's decision to impose a rate hike as large as it did Wednesday was an acknowledgment that it's struggling to curb the pace and persistence of inflation, which has been worsened by Russia's war against Ukraine and its effects on energy prices. Borrowing costs have already risen sharply across much of the U.S. economy in response to the Fed's moves, with the average 30-year fixed mortgage rate topping 6%, its highest level since before the 2008 financial crisis, up from just 3% at the start of the year. The yield on the 2-year Treasury note, a benchmark for corporate borrowing, has jumped to 3.3%, its highest level since 2007. READ MORE: https://www.wcnc.com/article/news/nation-world/fed-rate-hike/507-712efdf8-4e15-42f6-a21e-9c5b33328ca7' An exhibit highlighting photography will be without a photo taken during a Charlotte Pride event after a decision from the Gaston County manager. The Gaston County Museum of Art and History is currently displaying Into the Darkroom, a photography exhibit aimed at showing photography's use as an art form and its place in history. The exhibit uses photos from the 20th century, showcases vintage cameras, and features work from four modern photographers in Gaston County. One of these photographers, Grant Baldwin, used a photo he took at the 2019 Charlotte Pride Parade of two men kissing. Baldwin says the photo was taken during a marriage proposal. However, shortly after opening the exhibit, this photo was removed. Gaston County officials state this decision was made after Kim Eagle, the county manager, instructed museum staff to work with Baldwin to select another photograph to highlight. "The idea behind the exhibit is to document a historical event, and there are other options from the photographer's work that more fully capture the context of the parade that was documented," the county said in a statement. The decision did not involve the museum's board of commissioners. READ MORE: https://www.wcnc.com/article/news/local/lgbtq-photo-removed-from-gaton-county-museum-photographer-speaks-out-pride-men-kissing/275-f25200f5-8b5f-45a5-88ca-9da4edaf3f83 Watch Wake Up Charlotte each weekday morning from 4:30 to 7 a.m. on WCNC Charlotte, and as always, join the conversation on social media using #WakeUpCLT!
Scott and Jeff ask Andy Grewal to describe administrative law, and why it is so important for taxes. We discuss how significant portions of tax laws are left to interpretation by the IRS or Treasury, and how these interpretations can have a material effect on the experience of taxpayers.
It's Fed Day. This is probably one of the most highly anticipated FOMC announcements ever. The central bank is expected to raise rates by 75 basis points today. Up until a few days ago the Federal Reserve bank was scheduled to just raise rates by 50 basis points, but that changed after the hot CPI number last week. Either way, the Fed still has a long way to go as they need to catch up to the 2-year Treasury note yield which is at 3.34%. After today's hike, the fed funds rate will be at around 1.75%, so further tightening is needed. Announcement at 2pm and Powell presser at 2:30pm. We will also hear more about quantitative tightening (QT). This is where the central bank will start to sell assets like US treasuries and mortgage backed securities. We have heard that they are selling $95 billion a month of these securities. 2.Gold will be in play today after the FOMC announcement. So buckle up and lets see the reaction after the Fed announcement at 2pm.3. Bitcoin is weaker again today. It is trading around 21,600 today. While there could be some minor bounces here and there the trend is down and I expect it to ultimately trade down to around the 14,000 area. Watch if it breaks $19,700. Block, Micro Strategies and Mara have all gotten killed. Coinbase was up to 429 and is now down to 50. 4. Housing has gotten slammed. All of these stocks peaked in May 2021. Lennar is headed to $50. KB Homes topped at $52 now trading almost half. Probably have more to fall. ITB homebuilders ETF peaked at $83 and has sank like a stone. Short after a bounce.
TOPICS AND TIMESTAMPS: History Repeats 0:00 Japan Currency Collapse 0:16 Bond Market 4:25 Interest Rate Hikes 6:43 Bottom of Market? 11:57 Yen slides to 24-year low against dollar https://www.france24.com/en/live-news/20220613-yen-slides-to-24-year-low-against-dollar 2022-06-13_08-09-40.jpg (1006×624) https://cms.zerohedge.com/s3/files/inline-images/2022-06-13_08-09-40.jpg?itok=303YbSVe JGB purchases.jpg (707×427) https://cms.zerohedge.com/s3/files/inline-images/JGB%20purchases.jpg?itok=_d64GLzD 10-year Treasury yield rockets above 3.39% in biggest move since March 2020 https://www.cnbc.com/2022/06/13/us-bonds-2-year-treasury-rate-hits-highest-level-since-2007.html Yields Rise to Decade Highs, Curve Inverts on Growth Fears | Investing News | US News https://money.usnews.com/investing/news/articles/2022-06-13/huge-selloff-rocks-treasury-markets-yield-curve-inverts Economists say Fed will stick to 50 basis points this week, Powell will open door to more aggressive action later - MarketWatch https://www.marketwatch.com/story/doves-dont-exist-on-the-fomc-right-now-economists-expect-hawkish-fed-meeting-this-week-11654941250 Why City Life Has Gotten Way More Expensive - The Atlantic https://www.theatlantic.com/newsletters/archive/2022/06/uber-ride-share-prices-high-inflation/661250/ Fed's inflation battle to worsen market turmoil: Canaccord's Dwyer https://www.cnbc.com/2022/06/13/feds-inflation-battle-to-worsen-market-turmoil-canaccords-dwyer.html https://bucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com/public/images/f3eb9239-e3a6-4f09-8f6e-2f27563ec186_608x549.png (608×549) https://substackcdn.com/image/fetch/f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fbucketeer-e05bbc84-baa3-437e-9518-adb32be77984.s3.amazonaws.com%2Fpublic%2Fimages%2Ff3eb9239-e3a6-4f09-8f6e-2f27563ec186_608x549.png
Talked about Being absent for longer than a weekBi-weekly Pay VS Daily PayAsking for a number VS Giving your numberAntisocial Jobs VS Social JobsNasty Fingers & Scaly elbowsand also getting checked upEpisode 11 coming soon!!
A new MP3 sermon from The Narrated Puritan is now available on SermonAudio with the following details: Title: God is angry with the wicked every day. Treasury of David PS 7 Subtitle: The Treasury of David Speaker: C. H. Spurgeon Broadcaster: The Narrated Puritan Event: Audio Book Date: 6/14/2022 Length: 28 min.
As central bank policy across the globe shifts from tight fiscal policy to tight monetary policy, the rising cost of capital will have long-term consequences for investors.-----Transcript-----Welcome to Thoughts on the Market. I'm Graham Secker, Head of Morgan Stanley's European Equity Strategy Team. Along with my colleagues, bringing you a variety of perspectives. I'll be talking about the rising cost of capital and its implications for European equities. It's Tuesday, June the 14th, at 2 p.m. in London. As we have discussed previously, we believe that we have witnessed a paradigm shift in the macro and market backdrops over the past couple of years, swapping the secular stagnation of the last decade with a new cycle where nominal growth is both higher and more volatile. An alternative way to think about this is that the policy dynamic has shifted from an environment of loose monetary and tight fiscal policy over the last two decades, to one of looser fiscal policy, but tighter monetary policy today. If this characterization proves to be true over the coming years, the longer term consequences for investors will be profound. While this may sound somewhat grandiose, it is worth noting that global interest rates fell to a record low in this last cycle. From such an unprecedented low, even a moderate increase in borrowing costs may feel significant, and we note that we have just witnessed the largest 2 year increase in 10 year U.S. Treasury yields since the early 1980s. The fact that we are starting a new and relatively fast rate hiking cycle, at the same time as central banks are shifting from quantitative easing to quantitative tightening, further magnifies the risk for spread products such as credit or peripheral debt, both of which have underperformed materially over the last couple of months. At this stage, we think it is this dynamic that is arguably weighing most on equity markets rather than the economic impact of higher borrowing costs. When thinking through the investment implications for European equity markets of this rise in the cost of capital, we make three points in ascending order of impact. First, the consequences of higher borrowing costs are likely to produce a relatively small hit to corporate profits. While we are concerned about a significant decline in corporate margins over the coming quarters, this is predominantly due to higher raw material prices and rising labor costs. In contrast, even a doubling of the effective interest rate on corporate debt should only take around 2.5% off of total European earnings. Second, we see a more significant impact from higher capital costs on equity valuations, as price to earnings ratios have exhibited a close negative correlation to both central bank policy rates and credit spreads over time. Hence, while European equity valuations are now beginning to look reasonably attractive after their decline this year, we think risks remain skewed to the downside over the summer, given a tricky backdrop of slowing growth, high and sticky inflation and hawkish central banks. Finally, the most significant impact from higher borrowing costs will, as ever, be felt by those entities that are most levered or require access to fresh funding. At this stage, we do not expect the ongoing increase in funding costs to generate a broader systemic shock across markets. However, we do see ample scope for idiosyncratic issues to emerge in the months ahead. Logically, identifying these issues in advance primarily requires due diligence at the stock level. However, from a top down perspective, the European sectors that are most correlated to credit spreads, and or have the weakest balance sheets, include autos, banks, consumer services, food retailing, insurance, telecoms and utilities. Ultimately, the volatility within asset markets that will accompany the largest upward shift in the cost of capital in over 30 years will create lots of opportunities for investors. However, for now, we recommend patience and await a better entry point later in the year. Thanks for listening. If you enjoy the show, please leave us a review on Apple Podcasts and share Thoughts on the Market with a friend or colleague today.
K.T. McFarland, Former Trump Deputy National Security Advisor and the author of "Revolution: Trump, Washington and 'We The People'” Topic: The threat of Putin, China's new nuclear weapons for “self-defense” Monica Crowley, Former Assistant Secretary of the U.S. Treasury and the host of "The Monica Crowley Podcast" available on all major platforms Topic: Biden's economy, inflation, current condition of the stock market Scott LoBaido, Patriot artist and activist Topic: Preserving the American Flag through his art, observing Flag Day See omnystudio.com/listener for privacy information.
To cap off the academic year, I talked with DePaul MBA Alumnus Bryan Davis, Senior Treasury Manager at Ryan Specialty. Bryan has many strengths and a lot of experience in the strategically vital area of Treasury Management. This episode serves as a reminder that strategic plans are only as good as the people executing them. Like links in a chain, if each business area isn't aware of, and prepared for the what, when, and how of their firm's strategic plans, those plans are likely to fail. We discuss the critical role of Treasury in that model of success and highlight the reality that strategic success really does take a village.
This episode of the It's A Mimic! podcast is going to help flesh out further nuance when it comes to using Metallic Dragons in D&D 5th Edition. This panel of Dungeon Masters rifles through the pages of Fizban's Treasury of Dragons to see what else the five main good dragons have to offer, outside of the Monster Manual. And stay tuned for the end of the episode, where we're going to look into the Metallic Greatwyrm! Cold Open 0:00 Intro 1:45 Brass Dragons 6:02 Copper Dragons 23:11 Commercial Break 36:03 Bronze Dragons 37:44 Silver Dragons 51:41 Social Media Info 1:06:18 Gold Dragons 1:17:22 Metallic Greatwyrm 1:19:31 Outro 1:39:18 Post-Credit 1:40:32 Bloopers 1:45:54 DON'T FORGET TO LIKE & SUBSCRIBE! Available On: https://www.itsamimic.com iTunes at https://itunes.apple.com/ca/podcast/its-a-mimic/id1450770037 Spotify at https://open.spotify.com/show/3Y19VxSxLKyfg0gY0yUeU1 Podbean at https://itsamimic.podbean.com/ YouTube at https://www.youtube.com/channel/UCzQmvEufzxPHWrFSZbB8uuw Social: Facebook at https://www.facebook.com/itsamimic/ Instagram at https://www.instagram.com/itsamimic/?hl=en Reddit at https://www.reddit.com/r/ItsaMimic/ Email at email@example.com Dungeon Master: Terry Williams Host 2: Adam Nason Host 3: Pepperina Sparklegem Written by: Terry Williams and Adam Nason Director: Adam Nason Audio Editor: Tyler Gibson Video Editor: Adam Nason Produced by: Tyler Gibson and Adam Nason Executive Producers: Dan O'Coin and Adam Nason Intro/Outro Music by: Cory Wiebe Logo by: Katie Skidmore at https://www.instagram.com/clementineartportraits/ Current Gear: Microphone (USA) - https://amzn.to/2WWuCsz Microphone (CAN) - https://amzn.to/2WTZ69G This post or video may contain affiliate links, which means we may receive a commission for purchases made through our links. This episode is meant to be used as an inspirational supplement for Dungeons & Dragons 5th Edition and tabletop roleplaying games in general. It's A Mimic! does not own the rights to any Wizards of the Coasts products. Artwork included in this episode's visualizations is published and/or owned by Wizards of the Coast.
It takes a certain set of qualities and skills to grow in this rapidly changing treasury landscape. Rick Barrett, the Director of Treasury for Rotary International and The Rotary Foundation, knows this all too well. He joins the Treasury Career Corner podcast to discuss how he grew as a treasury professional as the field has evolved. Rick also shares a few things treasury professionals should be aware of moving forward in a post-pandemic world. Rick's current position has him overseeing worldwide treasury management, including foreign exchange risk management, global cash management and banking relationships, global credit card processing, accounts payable/receivable, and recognition process management functions. Prior to Rotary, Rick held positions in healthcare and a technology company and has experience in tax, treasury, insurance, receivables, and general accounting. Rotary is a global network of 1.4 million neighbours, friends, leaders and problem-solvers who see a world where people unite and take action to create lasting change – across the globe, in our communities, and in ourselves. On the podcast we discussed… How Rick got his start in treasury What it's like working for a health provider vs Rotary What the Rotary organization does Rick's transition from cash management to treasury What lies in the future of treasury The benefits of being more flexible when moving forward Rick's advice for treasury professionals You can connect with Rick on https://www.linkedin.com/in/rick-barrett-9b682b3/ (LinkedIn). Are you interested in pursuing a career within Treasury? Whether you've recently graduated, or you want to search for new job opportunities to help develop your treasury career, The Treasury Recruitment Company can help you in your search for the perfect job. https://treasuryrecruitment.com/jobs (Find out more here). Or, send us your CV and let us help you in your next career move! If you're enjoying the show please rate and review us on whatever podcast app you listen to us on, for Apple Podcasts https://podcasts.apple.com/gb/podcast/the-treasury-career-corner/id1436647162#see-all/reviews (click here)!
“I'm genuinely spooked,” Jared Dillian tweeted late Sunday night, as Asian markets opened sharply lower and U.S. equity futures pointed to a bleak Monday open on Wall Street, “and I don't spook easily.” Two hours shy of the close, every stock in the S&P 500 is down for the day, and that index is in “official” bear market territory. The yield on the two-year U.S. Treasury note has surged past the 10-year, a dramatic inversion that'll surely fuel talk of recession. Dillian, the editor of The Daily Dirtnap, is not waiting around to position for that eventuality and a bear market too: “70% of my portfolio is gold and bonds.” Dillian joins Real Vision's Ash Bennington to talk about today's price action. And our expert on the ground in Asia, Weston Nakamura, drops in for an update on a critical aspect of the global financial system ahead of this week's Federal Open Market Committee meeting. We also share a segment from today's Cryptoverse Breaking News about the crashing crypto market. Want to submit questions? Drop them right here on the Exchange: https://rvtv.io/3OdWgaM. Watch the full Cryptoverse Breaking News segment here: https://rvtv.io/3txRgpg Learn more about your ad choices. Visit megaphone.fm/adchoices
With consumer sentiment hitting an all time low due to inflation concerns, the question investors should be asking is, are these risks to the economy properly priced into the market?-----Transcript-----Welcome to Thoughts on the Market. I'm Mike Wilson, Chief Investment Officer and Chief U.S. Equity Strategist for Morgan Stanley. Along with my colleagues bringing you a variety of perspectives, I'll be talking about the latest trends in the financial marketplace. It's Monday, June 13th, at 11 a.m. in New York. So let's get after it. Over time, the lion's share of stock returns is determined by earnings growth if one assumes that valuations are relatively stable. However, valuations are not stable and often hard to predict. In our experience, most investors don't spend nearly as much time trying to predict multiples as they do earnings. This is probably because it's hard to do consistently, and there are so many methodologies it's often difficult to know if you are using the right one. For equity strategists, predicting valuations is core to the job, so we spend a lot of time on it. Our methodology is fairly simple. There are just two components to our method; 10 year Treasury yields and the equity risk premium. At the end of last year, we argued the P/E at 21x was too high. From our vantage point, both ten year Treasury yields and the equity risk premium appeared to be mispriced. Treasury yields are more levered to inflation expectations and Fed policy. At year end 10 year Treasuries did not properly reflect the risk of higher inflation or the Fed's reaction to it. Today, we would argue it's not the case. In fact, 10 year Treasury yields may be pricing too much Fed tightening if growth continues to erode and recession risks increase further. In contrast to Treasury yields, the equity risk premium is largely a reflection of growth expectations. When growth is accelerating, the equity risk premium tends to be lower and vice versa. At year end, the equity risk premium is 315 basis points, well below the average of 375 basis points over the past 15 years. In short, the equity risk remaining was not reflecting the rising risks to growth that we expected coming into this year. Fast forward to today and the equity risk premium is even lower at just 300 basis points. Given the rising risk of slowing growth in earnings, this part of the price earnings ratio seems more mispriced today than 6 months ago. At the end of the day, we think 3400 represents a much better level of support for the S&P 500 and an area we would consider getting bullish. Last Friday, consumer sentiment in the U.S. hit an all time low due largely to concerns inflation is here to stay. This has been one of our greatest concerns this year with respect to demand and one of the areas we received the most pushback. We continually hear from many clients that the consumer is in such great shape due to the excess savings still available in checking accounts. However, this view does not take into account savings in stocks, bonds, cryptocurrencies and other assets, which are down significantly this year. Furthermore, while most consumers have more cash on hand than pre-COVID, that cash just isn't going as far as it used to, and that is likely to restrain discretionary spending. Finally, we think it's important to point out that the latest reading is the lowest on record, and 45% lower than during the last time the Fed embarked on such an aggressive tightening campaign, and was able to orchestrate a soft landing. In other words, the consumer was in much better shape back then, and that probably helped the economy to stabilize and avoid a recession. Let's also keep in mind that inflation was dormant in 1994 relative to today and allowed the Fed to pause, a luxury they clearly do not have now given Friday's red hot Consumer Price Index report. Bottom line, the drop in sentiment not only poses a risk to the economy and market from a demand standpoint, but coupled with Friday's CPI print keeps the Fed on a hawkish path to fight inflation. In such an environment, we continue to recommend equity investors keep a defensive bias with overweighting utilities, health care and REITs until the price or earnings expectations come down further. Thanks for listening. If you enjoy Thoughts on the Market, please take a moment to rate and review us on the Apple Podcast app. It helps more people to find the show.
A firm's debt and equity are important components when investors are watching. What is the cost to fund your operations? What costs are required to make investments or develop new products? In this podcast, Craig Jeffery and Paul Galloway of Strategic Treasurer discuss your WACC or Weighted Average Cost of Capital.
Thiw week we discuss I-bonds:Key TakeawaysSeries I bonds are inflation-beating savings bonds issued by the U.S. Government.You pay the face value of the bond and receive interest and an inflation adjustment.Savings bonds are not transferable, so they must be purchased from the U.S. Treasury or certain banks and payroll programs.In the roundtable we discuss an survey that says around 57% of Millennials love their pets more than their siblings and 50% of them admitted the same in comparison to their mothers. Ugh!
Inflation is here and there aren't many people out there who are fans of it either. Gas and food prices are through the roof (among other consumables). But there might be a small silver lining in this if you have some extra cash lying around. Treasury I Bonds (issued by the U.S. Treasury) have been very enticing lately. This is not just because they're considered safe, but also because the interest rate is tied to the government's measure of inflation. TLDR: The higher inflation goes, the higher the interest rates on I Bonds. Dr. Leif Dahleen, also known as Physician on Fire, is on the show to discuss the basics of I Bonds. Things to expect in this episode:What are US Treasury I BondsHow are US Treasury I Bonds calculatedThe Pros & Cons of using Treasury I BondsWhy does Physician on Fire recommend Treasury I BondsWho should be purchasing these bondsPhysician on Fire's Step by Step Guide on Treasury I Bonds: How, When, and Why To Buy I BondsWE WANT TO HEAR FROM YOU!!!! FILL OUT THE DOCS OUTSIDE THE BOX PODCAST SURVEY (in partnership w INCROWD)INCROWDMAKE EXTRA MONEY AS A RESIDENT OR ATTENDING - COMPLETE MEDICAL SURVEYS WITH INCROWDWATCH THIS EPISODE ON YOUTUBE!Join our communityText word PODCAST to 833-230-2860Twitter: @drniidarkoInstagram: @drniidarkoEmail: firstname.lastname@example.orgPodcasting Course: www.docswhopodcast.comMerch: https://docs-outside-the-box.creator-spring.comThis episode is edited by: Your Podcast PalThis episode is sponsored by: Provider Solutions & Development. Experts in holistic career coaching – check them out HERETwitter: @PSDConnectsFacebook: @PSDConnectsLinkedIN: Provider Solutions & DevelopmentSet For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com