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Revista Tudo Sobre Jardins

Revista Tudo Sobre Jardins

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PT Revista portuguesa dedicada ao fantástico mundo do paisagismo e garden design. Subscreva a nossa revista digital bilingue no nosso website e receba-a no seu email de forma gratuita. EN Portuguese magazine dedicated to fantastic world of landscaping and garden design. Subscribe to our bilingual digital magazine on our website and receive it in your email for free.
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Mexican Fluency Podcast

Levi Flint

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Learn Mexican Spanish via immersive conversations with Levi, a Spanish-speaking Texan, and Reni, a Mexicana from Monterrey. In each episode, we chat about a different subject, making sure you're always exposed to new vocabulary, expressions, and fun, engaging banter.
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Reportagem

RFI Brasil

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Confira aqui as análises, entrevistas e repercussões de notícias que você pode ouvir e baixar. As reportagens +RFI propõem a cobertura de eventos importantes no mundo inteiro feita pelos repórteres e correspondentes da Rádio França Internacional.
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Conversations in Spanish: Intermediate Spanish & Advanced Spanish

Joel E Zarate

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Welcome to our podcast! This is a podcast where you can listen to conversations mainly in Spanish that are easy to understand with native speakers from different Spanish Speaking countries to give you an opportunity to listen to casual and natural conversations about everyday topics and everyday situations so that you can learn Spanish in a communicative context. We share conversations for intermediate and advance learners and provide free supporting content on the show notes.
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BirdNote

Birdnote

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Escape the daily grind and immerse yourself in the natural world. Rich in imagery, sound, and information, BirdNote inspires you to notice the world around you. Join us for daily two-minute stories about birds, the environment, and more.
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VATICANO

EWTN

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Cada semana, Vaticano presenta las últimas noticias desde el Vaticano por medio de aspectos noticiosos y análisis de las audiencia papales del Santo Padre y sus intervenciones, así como de entrevistas y acontecimientos mas significativos en el ámbito desde el corazón de la Iglesia Católica.
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Programmatic Digest

Helene Parker

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Our mission is to teach historically excluded people how to start and grow a career in programmatic and digital media. This podcast is 20-40 mins episodes highlighting diversity, Equity, Inclusion, while demystifying industry trends to help you navigate as a marketer and a programmatic ninja.
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Divulgacion Total

Divulgacion Total

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News commentary (in spanish) about UFO, Extraterrestrial, Politics, Exopolitics, Secret Space Programs, and the Humanity Awakening Process. Divulgación Total means Full Disclosure. Comentarios sobre OVNIs, extraterrestres, política, exopolítica, programas espaciales secretos, y el proceso de despertar de la humanidad.
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A solas con Jesús

EWTN

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El Padre Pedro Núñez conduce este programa de oración, catequesis y apologética desde New Orleans, Louisiana. Acompáñanos todos los martes a las 8 de la noche, hora del Este, para un programa lleno de sabiduría y de la palabra de Dios.
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Star Wars: Showdown On Iceball Station

Kyle Katarn

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An original Star Wars RPG adventure set during the Legends/EU timeline. In the midst of the Yuuzhan Vong invasion of the Galaxy, the Jedi Praxeum has sent two Knights to a remote, frozen world where they must work with the local detective to unlock an ancient secret... Cast: Zeef, Gungan Detective (played by Kyle Katarn) Narset Jinn, Jedi Knight (played by Bendu) Xavix Silverstar, Jedi Master (played by David Gold) Worram of Ithor, pilot (played by Dan Lyons) Game Master Lurch Lurchington (p ...
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El Show del Abogado Jonathan

Jonathan Shaw

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En este pódcast conversamos sobre actualizaciones en el mundo de inmigración. Contestamos preguntas de nuestros seguidores, y compartimos un análisis de diferentes cambios en la ley. Sigue este pódcast para mantenerte al tanto de los cambios en las leyes de inmigración, quizás aprendas algo que te ayude a ti en tu jornada migratoria.
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Young Changemakers Podcast

Young Changemakers Podcast

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Young Changemakers is a Podcast by Global Changemakers, an international Youth Organization that supports youth-lead development. We share the stories of young people working to create more sustainable, fair and inclusive communities. We interview young changemakers from across the world about their motivations, ambitions and lessons learned along the way. We’ll show you the incredible impact of youth and that you too can make a difference.
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Púlpito Reformado Semanal con el Pastor Carlos Cruz Moya

© Calvary Evangelistic Mission, Inc. Copying and sharing is encouraged.

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El programa en vivo de los sábados con el pastor Carlos Cruz Moya en la Iglesia Presbiteriana Reformada de San Juan. Para mas información, llama la iglesia a los (787)-649-8253 / (787) 410-7899 o visíte presbiterianareformadapr.org. Carlos Cruz Moya también es anfitrión del programa "Púlpito Reformado" en vivo los sábados a las 8 p.m. en La Roca.
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Servicio Viernes

Ebenezer Bakersfield

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Hermanos/Amigos esperamos que atravez de cada predica tu vida pueda ser Bendecida. Nuestro deseo es que Dios pueda hablar a tu corazón y puede quedar la semilla de la palabra en tierra fértil. Dios te bendiga. Te Bendecimos, Ebenezer Bakersfield Ministerios Ebenezer Hosted on Acast. See acast.com/privacy for more information.
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Business of Collaboration

collabwith.org

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We created the “Business of collaboration” podcast at https://collabwith.co – the place to find knowledge and technology -to feature conversations between a business executive and a professor to talk about life experiences and how to work together for a positive impact. We invite our listeners to discover new points of view through the stories told by our guest speakers.
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The Lancet Regional Health in conversation with

The Lancet Group

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The Lancet Regional Health journals’ editors, in conversation with their authors, explore their latest open access research and its impact on people’s health, healthcare, and health policy. This podcast covers a broad range of topics through a regional lens, from climate change and health adaptation to surgical care capacity in the Pacific Island countries, the determinants of onset and prognosis of long COVID-19 to the opioid crisis in Mexico, and more.
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How to Spanish Podcast

How to Spanish Podcast

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Listen to our weekly podcast for Spanish students! We discuss culture, language and any interesting topic we can find in Mexican Spanish accent. Our goal is to help you with your listening skills by discussing one topic at a time in a natural pace (but not too fast). Learn about the learning experience we offer in https://www.patreon.com/howtospanishpodcast.By becoming a member, you can access exclusive benefits such as a vocabulary guide, an interactive transcript as well monthly activities ...
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Un chef nos habla sobre la cocina mexicana - Ep318 27:09

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David entrevista a Jorge, un chef con mucha experiencia en el mundo y nos habla sobre la cocina mexicana y la estrella Michelin para un puesto de tacos en CDMX NEW COURSE - MASTER THE PAST TENSE IN SPANISH-- http://howtospanishacademy.thinkific.com/ 🔴 PATREON http://patreon.com/howtospanishpodcast ❤️ Love our videos? Support by clicking the JOIN bu…
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¿Cómo funciona una línea de crédito sobre el valor de la vivienda (HELOC)? - Los profesionales del crédito 3:10

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Una línea de crédito sobre el valor líquido de la vivienda (HELOC) es una línea de crédito renovable con garantía en la vivienda del propietario, que permite retirar fondos hasta un límite establecido y solo pagar intereses sobre la cantidad utilizada. Los HELOC tienen tasas de interés más bajas y son útiles para financiar grandes gastos como refor…
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El condado de Yavapai toma medidas para abordar el problema de los vendedores ambulantes no autorizados 3:23

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Durante las últimas semanas, los Servicios de Salud Comunitarios del Condado de Yavapai (YCCHS, por sus siglas en inglés) han recibido varios informes de miembros de la comunidad que expresan su preocupación por la venta de alimentos por parte de vendedores ambulantes no autorizados. La Unidad de Salud Ambiental de YCCHS se ha puesto en contacto co…
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How You Are Hurting Your Credit Score 3:42

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Your credit score may suffer due to unreviewed credit reports, forgotten accounts like utilities, unused credit cards with undetected fraud, high credit utilization ratio, or avoiding credit use altogether. Regularly checking your credit report, closing old accounts, monitoring all card statements, managing credit balances, and responsibly using cr…
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Bad Credit And Insurance Premiums: Understanding The Impact 3:09

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Bad credit can increase insurance premiums as insurers use credit-based scores to predict risk and potential for claims. These specialized scores differ from regular credit scores and consider additional factors. Poor credit-based insurance scores may lead to higher premiums or denial of coverage, but consumers can work on improving their credit to…
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Get Your Annual Credit Report For 2020: Easy Steps 3:04

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The article provides a comprehensive guide on how to obtain your annual credit report for free in 2022, detailing the importance of understanding your credit history, the contents of a credit report, and its uses. It specifies that credit reports can be accessed through AnnualCreditReport.com, the government-authorized source, and clarifies that th…
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Fraud Alert Vs. Credit Freeze: Protecting Your Identity 3:49

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Fraud alerts and credit freezes are tools to combat identity theft, with fraud alerts requiring creditors to verify identity and credit freezes stopping access to credit reports. There are three types of fraud alerts: initial, extended, and active-duty, each with different validity periods. Credit freezes can be lifted temporarily or permanently, w…
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Navigating Credit: Credit Report Vs. Credit Score Explained 3:19

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A credit score is a numerical representation of creditworthiness, ranging from 300 to 850, while a credit report details an individual's credit activity, including loans, payments, and defaults. Credit scores are calculated based on payment history, amounts owed, length of credit history, credit mix, and new credit inquiries. Each factor contribute…
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CFPB demanda a Navient: impacto en los prestatarios de préstamos estudiantiles 3:01

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La CFPB demandó a Navient, servicio de préstamos estudiantiles, por engañar a prestatarios y optar por soluciones costosas. Navient niega mala conducta y cuestiona la motivación política y la aplicación retroactiva de nuevas normativas de la CFPB. Navient afirma que promueve activamente los planes de pago basados en ingresos y combatirá las alegaci…
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How To Handle Credit Card Debt Problems - 2022 3:22

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Handling credit card debt involves understanding available tools such as balance transfers and debt consolidation, and adopting strategies based on one's ability to pay. Solutions range from transferring balances for lower interest rates to debt consolidation loans. Bankruptcy is usually not the best option, and certain actions like payday loans, u…
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How To Handle Working From Home - The Credit Pros 3:07

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Working from home requires discipline in maintaining a schedule, setting clear boundaries with coworkers, incorporating personal time, and minimizing non-work distractions like excessive messaging. Establishing and adhering to a routine mimics office structure and helps balance work and personal life, even under remote conditions.…
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Facebook & LinkedIn Data Breaches: Identity Security 3:39

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Identity theft is a growing threat, particularly on social media platforms, costing millions to victims. Types of online identity theft include account takeover, card fraud, and more. Signs of theft include strange transactions and unrecognized accounts. Protecting yourself involves checking financial statements, monitoring credit reports, and usin…
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What Does Coronavirus Crisis Mean For Your Finances? - The Credit Pros 2:46

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The coronavirus crisis affects finances by disrupting the stock market, interest rates, employment, and credit accessibility. The Credit Pros advise not to panic and to logically assess the situation, noting that market volatility doesn't directly translate to personal financial impact. It's crucial to contact lenders if payment issues arise due to…
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Ahorre dinero con préstamos para estudiantes: dos formas sencillas 3:25

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Para ahorrar en préstamos estudiantiles, incrementa los pagos mensuales o refinancia a una tasa de interés menor. Aumentar los pagos reduce el tiempo y el interés total pagado. Refinanciar puede disminuir el porcentaje de interés y el costo total del préstamo. Ambas estrategias pueden resultar en ahorros significativos a lo largo del tiempo.…
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Understanding Phantom Debt: What It Is And How To Recognize 2:43

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Phantom debt, originating from clerical errors, identity theft, and fraudulent schemes, poses a significant threat to your financial health. Recognizing red flags, regularly reviewing your credit report, and understanding fraud tactics can help you stay vigilant. Disputing errors with credit bureaus and leveraging legal protections are crucial step…
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You Need To Know: Can Fraud Harm Your Credit? - The Credit Pros 3:01

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Credit card fraud generally won't affect your credit score unless the replacement card is reported as a new account. Immediate reporting to the card issuer can limit your liability to $50 or less, and notifying credit bureaus can protect you from further fraud. True name fraud, however, is more serious and can severely damage your credit.…
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Rebuilding Credit After Divorce - Effective Ways 3:51

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Divorce can severely impact your credit due to joint accounts, increased expenses, and potential identity theft. Protecting your credit involves separating joint debts by selling assets, refinancing, or paying off the debt yourself. Rebuilding credit after divorce includes checking your credit reports, disputing errors, and establishing individual …
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Cómo reducir su tasa de utilización de crédito 3:05

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La tasa de utilización del crédito es clave para los prestamistas al evaluar la capacidad de un individuo para manejar deudas. Mantener una baja tasa de utilización, idealmente inferior al 30%, demuestra responsabilidad crediticia. Pagar saldos, mantener cuentas con saldo de $0 y saber cuándo se reporta la deuda a las agencias son formas de optimiz…
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Credit Repair Vs. Credit Building: Key Differences 2:57

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This article explores the differences between credit repair and credit building, detailing their purposes, processes, and strategic applications. It emphasizes the importance of understanding when to focus on each approach to improve financial health and secure better loan terms. The article also discusses the challenges and legal considerations as…
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Boletín de agosto - Los profesionales del crédito - Los profesionales del crédito 2:41

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Los artículos cubren temas financieros: préstamos a plazos, datos de tendencias en créditos y la importancia de los cofirmantes en 2023. Explican cómo funcionan los préstamos, la relevancia del historial de pagos para el crédito, y consejos para elegir un cofirmante.By The Credit Pros
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¿Cuánto tiempo permanecen los pagos atrasados en su informe de crédito? 2:35

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Los pagos atrasados permanecen en el informe de crédito por 7 años, pero el impacto disminuye con el tiempo. Es crucial realizar pagos a tiempo, ya que los pagos tardíos pueden afectar gravemente el puntaje crediticio. Hay maneras de manejar los pagos atrasados, incluida la disputa de errores y el pago inmediato dentro de los 30 días. Los servicios…
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Why You Should Check Your Credit Report Every Year - The Credit Pros 3:22

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Checking your credit report annually is crucial to detect fraud, catch mistakes, and understand low credit scores. It's an itemized history of credit accounts excluding your credit score. You can dispute errors or fraudulent activities with credit bureaus or seek help from credit repair companies. All Americans can access their credit reports for f…
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¿Qué significa la crisis del coronavirus para sus finanzas? - Los profesionales del crédito 2:11

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La crisis del coronavirus ha impactado significativamente en la economía, afectando la bolsa de valores, el empleo y la vida diaria. Es esencial mantener la calma y evaluar la situación de manera racional. Proteger su puntaje crediticio durante la pandemia implica comunicarse con prestamistas si se ve afectada su capacidad de pago. Los bancos puede…
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The Ultimate Guide To Busting Credit Score Myths - The Credit Pros 3:24

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Dispelling credit score myths is essential for financial literacy. Soft inquiries do not harm your score, credit utilization is crucial, and payment history significantly impacts your score. Credit age, score discrepancies across bureaus, and the broad influence of credit scores are also highlighted. Improving your score can be simpler than expecte…
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600 Credit Score - Is This A Good Credit Score? 3:15

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A 600 credit score is considered fair and is below the average for Americans aged 23 to 29, which is 660. It's possible to get loans, but at higher interest rates. Improving credit involves checking credit reports for errors and making timely payments. The highest credit score is 850, and anything over 800 is exceptional. Good credit scores range f…
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Damon Decrescenzo sobre el podcast del CEO de 7 figuras 3:03

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Damon DeCrescenzo, CEO de The Credit Pros, ha sido entrevistado en el podcast 'CEO de 7 cifras' de Casey Graham, discutiendo su amplia experiencia emprendedora y compartiendo estrategias para construir un equipo fuerte y lograr el éxito empresarial. La empresa sigue creciendo, lanzando una aplicación móvil y expandiendo su equipo.…
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Educación profesional gratuita durante COVID-19 - The Credit Pros 2:58

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Durante la crisis de COVID-19, algunas empresas ofrecen educación profesional gratuita para ayudar a las personas despedidas a mejorar sus habilidades. MOZ Academy está dando acceso gratuito a cursos de SEO, Udacity ofrece un mes gratis de programas de nanogrado, y LinkedIn Learning proporciona una prueba gratuita para una variedad de cursos profes…
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How To File A Claim Over Equifax's Data Breach - The Credit Pros 4:05

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If you were affected by the Equifax 2017 data breach, you can claim cash or credit monitoring. Options include a cash payment for time spent dealing with the breach, free credit monitoring services, or reimbursement for financial losses up to $20,000. Documentation may be required, especially for claims over 10 hours of time spent or significant fi…
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Mastering Credit Cards: Making Them Work For You 2:55

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Properly managed credit cards are powerful credit-building tools, but credit card debt is detrimental to credit scores. High debt indicates risk to lenders, affecting 30% of FICO scores through the 'Amounts Owed' category. Revolving utilization ratio, the balance-to-limit percentage, should be low to protect scores. Responsible use, like paying ful…
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Bad Credit Rating - 5 Ultimate Factors 3:21

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A bad credit rating can significantly hinder your ability to secure loans and comes with high interest rates. Factors such as late payments, bankruptcy, loan cosigning, excessive credit card applications, and not reporting inaccuracies can all detrimentally impact your score. Credit repair services can assist in rectifying these issues.…
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Credit Score Range - 5 Levels And Loan Options 3:11

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Credit scores range from 300 to 850 and are crucial for loan eligibility. FICO and Vantage are popular scoring models with different criteria and score ranges. Poor credit scores face high interest rates; excellent scores get the best terms. FICO is more popular, has stricter criteria, and uses five factors for scoring. Vantage is easier to qualify…
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Installment Loans - An Ultimate Guide 2022 3:39

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Installment loans allow borrowers to repay in regular installments, come in secured and unsecured forms, and are offered by many lenders. They differ from payday loans in repayment terms and impact on credit scores. Good credit scores help secure better loan terms, but installment loans can also be accessible to those with lower scores. TheCreditPr…
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800 And 850 Credit Scores: Which Is Better?-thecreditpros 2:45

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Achieving a perfect 850 credit score reflects excellent credit management, making you eligible for better loan terms, lower interest rates, and premium credit cards. While an 800 score is already considered excellent, reaching 850 requires careful error-checking of credit reports, timely bill payments, low credit utilization, a diverse credit mix, …
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Datos de tendencias: los profesionales del crédito 4:10

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Los datos de tendencias son información histórica de pagos de tarjetas de crédito que muestran cómo los consumidores han manejado su deuda a lo largo del tiempo. Esto incluye montos de pagos mensuales y si los balances se pagan completamente o se llevan al siguiente mes. Los datos de tendencias son importantes porque ofrecen a los prestamistas una …
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Debt Collectors: Will You Be Sued Over Old Debt? - The Credit Pros 3:19

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Debt collectors have a limited time to sue for unpaid debts, governed by state laws, after which debts become 'time-barred.' Credit reporting agencies must remove most derogatory accounts after 7 years, as mandated by the FCRA. To avoid lawsuits over old debts, it's best to pay them off, but professional advice can help if you're treated unfairly o…
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Federal Mortgage Forbearance During COVID-19 - The Credit Pros 3:34

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The CARES Act provides mortgage forbearance for federally-backed mortgages due to COVID-19, allowing a six-month pause on payments without foreclosure. Borrowers need to request this forbearance and declare financial hardship, which may require minimal proof. Federally-backed mortgages can be checked through Fannie Mae or Freddie Mac websites. Unem…
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