Podcasts about BACS

Baked Beans, Spaghetti Hoops & Macaroni CheeseA Light Hearted Tinned Food Tour of UK Payment Systems

What would you sacrifice for freedom? For Monet Bacs, Strategic Director at the LIBRE Initiative in Arizona, her father's answer was clear—everything. In this moving episode, host David From sits down with Monet to explore the legacy of her father, who fled Guatemala in search of opportunity, safety, and a future he couldn't find at home. Arriving in the U.S. as a teenage exchange student who spoke no English, Monet's father built a life rooted in hard work, sacrifice, and unwavering belief in the American Dream. “I'd rather be homeless in America than live under tyranny,” he once said—and he lived those words, choosing struggle in freedom over comfort in oppression. Monet also opens up about her grandfather's horrifying experience in communist Cuba and how her father's heartbreaking death during COVID, amid a broken healthcare system, ignited her passion for meaningful policy reform. Today, she works through the LIBRE Initiative to empower Hispanic communities with access to economic opportunity, education, and better healthcare—carrying forward the legacy of sacrifice and service passed down by her father. It's a powerful story of resilience, purpose, and what it truly means to honor freedom.

Who built John? We find out that it takes more than just a village/borough/nation to raise such a superhunk. He has an entire team behind him, like all of the top athletes of his generation. And not just any top athlete superhunk, but one on the verge of yet another birthday.With this year's birthday, Elis has pushed the present boat out even further than the standard BACS. John's got more gifts coming out of his A than he does roulade, and they will no doubt be sweet and wreak yet more havoc on his energy levels.Plus there's loads of other stuff to get into including the struggles of eating a big salad, yet more wins and a belting follow up to Elis's paint travails.Get in touch via WhatsApp on 07974 293 022 or elisandjohn@bbc.co.uk if you're more old school.

Le bac STHR, Sciences et technologies de l'hôtellerie et de la restauration, est pour vous, si vous êtes attiré par le monde de l'hôtellerie et de la restauration.✅ DANS CET ÉPISODE NOUS ABORDONS :le bac STHR

Schweizer Firmen geraten je länger, je mehr in das Visier von Cyberkriminellen. Es ist sogar die Rede von 200 Millionen Angriffen pro Monat. Das Bundesamt für Cybersicherheit soll deshalb mehr Budget erhalten.

Welcome to another exciting episode of Digitals in Accrual World! This week, we're dissecting the latest tech updates in the accounting world. FreeAgent introduces property ownership splitting for the MTD rollout, GoCardless partners with Form3 to enhance BACS payment connectivity, Link My Books joins the Visma family, and Ignition debuts auto-pricing tools to streamline revenue operations. We also delve into Modulr's integration with Nomi for seamless payroll payments and Ecologi's acquisition of Net Zero Now to help businesses achieve net-zero emissions. Plus, an insightful interview with Matt Lowry from ApprovalMax on combatting fraud in the age of AI. Stay tech-savvy and fraud-free, folks!   00:00 Coming Up 00:50 Intro ~~~~~~~~~~~~~~~~ App News 03:05 FreeAgent Update: Line by line property split  03:53 GoCardless to provide BACs payments 04:58 Linkmybooks joins Visma 07:34 Ignition introduces autopricing 09:44 Modulr Nomi integration 11:19  Ecologi acquires Net Zero Now ~~~~~~~~~~~~~~~~~~~~~~ 16:36 Combatting Fraud - ApprovalMax 23:44 Like and Subscribe

2025. március 04., csütörtök 9-10 óra Verseny az arany szobrokért - Az idei Oscar díjkiosztó értékelése Magyar idő szerint március 3-án, hétfő hajnalban rendezik meg az idei Oscar-gálát, mi pedig megint szurkolhatunk egy magyar jelöltnek: Jancsó Dávidot a legjobb vágás kategóriájában jelölték A brutalista című filmen végzett munkájáért. A brutalista az idei Oscar-díj egyik nagyágyúja a tíz jelölésével, de mi a helyzet a többi filmmel? Telex: Ezek az idei Oscar-jelöltek – mit érdemes róluk tudni? Dudás Viktor, filmszakértő EQUILOR TŐZSDENYITÁS: Czibere Ákos, elemző HEURÉKA ÉLMÉNY: A kvantumkommunikáció vajon mi? A kvantumkommunikáció számos érdekes megoldást kínál számunkra, mint a kvantum alapú kulcsszétosztás, kvantum alapú véletlenszámok, illetve a kvantuminternet. Tekintettel arra, hogy a február 3-i Millásreggeli adásban a kvantumszámítógépekről beszélgettünk, most a fókuszt a kvantumkommunikációra, ennek az üzleti jelentőségére, a Quantum Innovation Summit-on elhangzott víziókra és a magyar fejlesztésekre/lehetőségekre helyezzük. 2025. február 25-27. között rendezték meg meg Dubajban a Quantum Innovation Summit 2025 rendezvényt. Quantum Innovation Summit 2025 a kvantum nemzetközi éve, egészen pontosan a kvantumtudomány és kvantumtechnológia nemzetközi éve (International Year of Quantum Science and Technology), https://quantum2025.org/ Egyébként is évente egyre több kvantumos szakmai rendezvény volt, de 2025-ben még több/még hangsúlyosabb rendezvények vannak szerte a világon. Quantum Innovation Summit-et február 25-27. között szerveztek meg Dubajban. Immár második alkalommal volt ez a rendezvény Dubajban, de első alkalommal vettek részt rajta magyarok. Magyarországról hárman utaztak ki, az egyik magyar delegált egy hazai cégtől, a másik magyar delegált egy hazai kutatóintézettől, Bacsárdi László pedig a Műegyetem képviseletében. Bacsárdi László, a BME Hálózati Rendszerek és Szolgáltatások Tanszékének egyetemi docense

Bacstel-IP: In the room where it happenedSummaryIn this podcast episode of Payments Unpacked, Mike Chambers reflects on the Bacstel IP migration, a significant technological overhaul in UK banking that took place 20 years ago. He discusses the challenges and successes of migrating over 100,000 organisations to a new internet-based payment system, highlighting the importance of collaboration among banks, software providers, and IT teams. The episode emphasizes the legacy of this migration and its impact on modern payment systems in the UK.TakeawaysThe Bacstel IP migration was a pivotal moment in UK banking.Over 100,000 organizations migrated to a new payment system.The project involved extensive planning and collaboration.Bacstel IP improved security, speed, and efficiency of payments.The migration was largely successful, with high user satisfaction.Bacs processes a significant portion of UK salaries and payments.The transition was largely unnoticed by the general public.The project was part of a £100 million technology renewal program.Key individuals played crucial roles in the migration's success.The legacy of the migration continues to shape financial technology today.Sound Bites“In the room where it happened”"It was one of those pivotal moments."Chapters00:00 The Bacstel IP Migration: A Historical Overview02:59 The Impact of Technology on UK Payments05:45 Reflections on Success and Legacy

Le tri des déchets, c'est la base ! Parfois ce n'est pourtant pas en place dans certaines entreprises. Nadine s'est vu confié cette mission et en a profité pour s'occuper du sujet des mégots de cigarette (qui occupaient alors les pots de fleurs). Elle explique pas à pas la démarche pour que les fleurs retrouvent leur place et que les mégots soient valorisés en combustible, dans cet épisode "retour d'expérience" ___________________ Restons en contact : Site internet : ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ecoloauboulot.jimdofree.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ E-mail : cassandre@ecoloauboulot.fr LinkedIn : ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/ecolo-au-boulot⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram : ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@ecolo_auboulot⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Le livre : "Ecolo au boulot, 60 écodéfis pour s'engager" aux éditions Jouvence

Le BAC ST2S, Sciences et Technologies de la Santé et du Social, s'adresse aux élèves venant d'une seconde générale ou technologique intéressés par les relations humaines, les études du paramédical et du social.✅ DANS CET ÉPISODE NOUS ABORDONS :le bac ST2S

This week Clint speaks with Christy Goodwin. Christy joined the Louisiana Baptist Children's Home & Family Ministries staff in May 2019 as a Foster Care and Adoption Specialist for the Shreveport region. In May 2024, Christy was appointed as Connect1Child Director of Foster Care & Adoption Services. Christy received a Bachelor of Arts in Sociology from Louisiana Tech University and a Master of Social Work from Stephen F. Austin State University. Christy is a Licensed Clinical Social Worker with over 10 years of experience in foster care and adoption. She and her family also had the opportunity to serve as foster parents in Orleans Parish while her husband attended New Orleans Baptist Theological Seminary. Christy is passionate about individuals, families, churches and organizations working together to respond to the current foster care crisis. When asked about her favorite part of her job, Christy said, "When a gospel-centered person or family answers the call to foster, I love seeing their friends, families and church members wrap around them with practical support and prayer. With Connect1Child, no one fosters alone."    Handles:  Facebook: @connect127.org Instagram: @connect1childlbch Website: www.connect1child.org

SITE INTERNET : https://www.f2asystemes.com/

SITE INTERNET : https://www.f2asystemes.com/

2025. február 3., hétfő 9-10 óra MIHÁLOVITS GAZDA: A takarmány célú rovarpiac forradalmi robbanás előtt áll: szakértői becslések szerint az évtized végére az EU-ban eléri az évi 2 milliárd eurós összforgalmat, éves szinten 1 millió tonna rovarlisztet termelve. A magyar Agroloop Hungary Kft. hivatalosan is megnyitotta 13 ezer négyzetméteres takarmányfehérje-gyártó üzemét az üllői Aerozone Parkban, amiről a cég társalapító-ügyvezetőjével, Percze Rajmonddal beszélgettünk. TŐZSDENYITÁS: Varga Zoltán, az Equilor Befektetési Zrt. senior elemzője számolt be nekünk a nyitást követően kialakult árakról, hírekről. HEURÉKA ÉLMÉNY: 2024. június 7-én az ENSZ 2025-öt a kvantum évének nyilvánította. Mi a kvantumtechnológia alapja. Milyen pillérei vannak a kvantumtechnológiának Európában? Hol tart a kvantumszámítógépek fejlődése? Számos kérdéssel bombáztuk Bacsárdi Lászlót, a Budapesti Műszaki Egyetem Hálózati Rendszerek és Szolgáltatások Tanszék, egyetemi docensét.

Les bacs technologiques ne sont pas simplement une alternative aux bacs généraux, mais une voie avec de vraies opportunités pour certains profils d'élèves. Ce webinaire vous aidera à comprendre les spécificités de ces filières et à évaluer si cette option peut réellement constituer une stratégie gagnante pour l'avenir de votre enfant.✅ DANS CET ÉPISODE NOUS ABORDONS :Les différentes filières technologiques et leurs spécificités : numériques, industrielles, artistiques, etc.Les débouchés post-bac et les perspectives professionnelles dans les secteurs en forte demande.Comment un bac technologique peut s'inscrire dans une stratégie d'orientation solide et adaptée aux compétences et passions de votre enfant.Les places sont limitées pour garantir une interaction optimale.Réservez votre placeℹ️ SUIVEZ L'ACTUALITÉ DE L'ORIENTATIONInscrivez-vous à la newsletter Les Clés de l'orientation : https://azimut-orientation.com/abonnez-vous-a-la-newsletter/ ( vous recevrez en cadeau un guide téléchargeable)

Megnézett egy filmet, és többé nem használta munkája során a fehér köpenyét Bacsák Dániel szociológus, kriminológus, aki akkor egy bentlakásos pszichiátrián dolgozott. Tapasztalatai alapján írta meg A láthatatlanok - Pszichiátria a határon című könyvét. Komolyan kell venni az embert akkor is, ha beteg - így lehet összefoglalni a hitvallását. Úgy véli, az önkormányzatok jobb gazdái az ilyen intézményeknek, az államosítás gyakran forráselvonással jár, ami miatt többnyire rosszabb anyagi helyzetbe kerülnek az ott dolgozók, így közülük jó páran jobban fizető munka után néznek.De milyen az ápolás színvonala? Romlott vagy javult az elmúlt 10-15 évben? Mit lehet kezdeni azzal a helyzettel, ha megtelepszik az ágyipoloska egy ekkora intézményben? Milyen változtatásokra lenne szükség ahhoz, hogy ne pazarolja el az állam azt a lehetőséget, amit egyes gondozottak megfelelő kezelése, sőt, munkája nyújthatna?Bacsák Dániel: A láthatatlanok - Pszichiátria a határon: https://orioldbooks.com/termek/a-lathatatlanok/Támogasd te is a Partizán munkáját!https://cause.lundadonate.org/partizan/supportPéntek Reggel, a Partizán hírháttérpodcastja:https://pentekreggel.huA Partizán Podcast oldalait itt találod:YouTube: https://www.youtube.com/@PartizanPodcastFacebook: https://www.facebook.com/partizanpodcast/A Partizán videóit itt tudod megnézni:https://www.youtube.com/c/@PartizanmediaTovábbi támogatási lehetőségekről bővebben:https://www.partizanmedia.hu/tamogatas

Veszélyesek-e a kényszergyógykezeltek a társadalomra? Ha nem, mégis mért vannak bezárva? A magyar pszichiátriai ellátórendszer problémáiról és a legnagyobb hazai intézet, a szentgotthárdi viszonyairól egy új könyv, A láthatatlanok apropóján beszélgettünk a szerzővel, Bacsák Dániellel és Boros Ilonával, a TASZ Egyenlőség programjának vezetőjével.See omnystudio.com/listener for privacy information.

A magyar pszichiátriai ellátórendszer problámáiról és a legnagyobb hazai intézet, a szentgotthárdi viszonyairól egy új könyv, A láthatatlanok apropóján beszélgettünk a szerzővel, Bacsák Dániellel és az intézet egykori igazgatójával, Kapócs Gáborral.See omnystudio.com/listener for privacy information.

Le Café de l'e-commerce, c'est le podcast qui vous propose de faire votre veille e-commerce, différemment, dans vos oreilles, même quand il fait moche et que c'est déjà la rentrée.Dans cet épisode, on rattrape l'été. Vous pensiez avoir tout louper des news e-commerce pendant la trêve estivale : cet épisode est le vôtre !

Scientists have found unsettling details about the potential health risks of common household cleaning products. And yet Big Cleaning capitalizes on fear of germs, bacteria, and disease to sell us home cleansers with traditional chemical compounds on the regular.It behooves us to ask ourselves whether the ways things have always been done align with our own values. On today's show Zac Kieffer argues it's high-time we redefine what it means to clean. Here's a preview:[3:00] Three reasons why it's important to perpetually question the way we clean and disinfect[8:00] Are you disinfecting correctly? (Answer: Probably not.)[16:00] Ammonia! 2-Butoxyethanol! BACs! Here's what cleaning companies don't want you to know about the (very powerful) chemical compounds in traditional cleansers[21:00] Big Cleaning and fear-based marketing[28:00] Does microfiber = microplastics? Resources mentioned: Episode #417: How To Buy Soap  E-Cloth (Minimalists15 for 15% off site-wide) Cleaning Products Emit Hundreds of Hazardous Chemicals, New Study Finds (via EWG)   This show is listener-supported. Thank you for supporting! Join our (free!) Facebook community here. Find your tribe. Sustainable Minimalists are on Facebook, Instagram + Youtube @sustainableminimalists Say hello! MamaMinimalistBoston@gmail.com.

Scientists have found unsettling details about the potential health risks of common household cleaning products. And yet Big Cleaning capitalizes on fear of germs, bacteria, and disease to sell us home cleansers with traditional chemical compounds on the regular. It behooves us to ask ourselves whether the ways things have always been done align with our own values. On today's show Zac Kieffer argues it's high-time we redefine what it means to clean.   Here's a preview: [3:00] Three reasons why it's important to perpetually question the way we clean and disinfect [8:00] Are you disinfecting correctly? (Answer: Probably not.) [16:00] Ammonia! 2-Butoxyethanol! BACs! Here's what cleaning companies don't want you to know about the (very powerful) chemical compounds in traditional cleansers [21:00] Big Cleaning and fear-based marketing [28:00] Does microfiber = microplastics?   Resources mentioned: Episode #417: How To Buy Soap  E-Cloth (Minimalists15 for 15% off site-wide) Cleaning Products Emit Hundreds of Hazardous Chemicals, New Study Finds (via EWG)   This show is listener-supported. Thank you for supporting! Join our (free!) Facebook community here. Find your tribe. Sustainable Minimalists are on Facebook, Instagram + Youtube @sustainableminimalists Say hello! MamaMinimalistBoston@gmail.com.

Before 2008 payments were a real pain - this all changed when Faster Payments entered our lives. Faster Payments has transformed who we pay, how we pay and when we pay - socks, last nights pizza and household appliances can now be bought within seconds via a smartphone. Remembering a time when payments could take days is like trying to recall what it was like to travel via a house and carriage. Join Mike Chambers for a Payments:Unpacked briefing and find out how we avoided the distraction of Elle and found a new way to pay.

Send us a Text Message.Join BAF and BACs, Sammy and Snow, along with our Peanut Gallery, Adam and Anna, as we rank our top 5 table games—board or card! It's a fun episode where we also discuss the themed Monopoly games we'd love to see!Support the Show.Don't forget to follow us on Instagram for show updates, plus behind-the-scenes photos of the drinks we've enjoyed on the show and pint review cards!"If you're enjoying our show, please consider leaving us a 5-star review on Spotify, Goodpods, or Apple Podcasts! Your support means the world to us."Don't miss out on our exclusive offers and ways to support the show:- Elevate your beard game with amazing products like Beard oil, Balm, Cologne, and more from https://copperjohnsbeard.com. Use code BAF10 at checkout for a 10% discount!- Fuel your day with kickass coffee from http://coffeebros.com. Use code BAF10 at checkout for 10% off your order!- Subscribe to our Patreon for access to UNCUT, RAW shows in video form, and early episode releases for just $5 a month! Click the link below to join: https://www.patreon.com/barrelagedflickspodcast- Explore our selection of T-shirts, Hoodies, Tank tops, and more at our new Barrel Aged Flicks podcast Store: https://whatamaneuver.net/collections/barrel-aged-flicks-podcast- Dive into the amazing network at www.deluxeeditionnetwork.com and discover other kickass podcasts!And don't forget to follow us on social media for updates:- Instagram: https://www.instagram.com/barrelagedflickspodcast/- Facebook: https://www.facebook.com/barrelagedflickspodcast- Twitter: [Insert Twitter handle here]

Les bacs technologiques sont une alternative aux bacs généraux et professionnels. Parfois méconnus ou détenteurs de préjugés ils ont une voie à considérer pour certains élèves. Charlotte raconte son expérience en faisant le choix d'un bac STMG. ✅ DANS CET ÉPISODE NOUS ABORDONS : retour d'expérience

Pour un élève moyen en classe de Seconde il peut être tactique de choisir un bac technologique qui correspondra bien à son profil. Pourquoi? Pour reprendre confiance en lui et se constituer un meilleur dossier, par exemple. Il existe 8 bacs technologiques. ✅ DANS CET ÉPISODE NOUS ABORDONS : les 8 bacs technologiques

Le Bac STAV Sciences et Techniques de l'Agronomie et du Vivant, est l'un des 8 bac technologiques accessibles après la seconde générale et technologique. Ce bac technologique est uniquement proposé par les lycées agricoles, publics ou privés. Ce Bac STAV Sciences et Technologies de l'Agronomie et du Vivant s'adresse aux élèves manifestant de l'intérêt pour l'environnement et les défis sociétaux en lien avec l'alimentation et les territoires. ✅ DANS CET ÉPISODE NOUS ABORDONS : le bac STAV

Le BAC STI2D s'adresse aux élèves venant d'une seconde générale ou technologique intéressés par l'industrie, l'innovation technologique, la préservation de l'environnement et la conception de nouveaux produits. ✅ DANS CET ÉPISODE NOUS ABORDONS : le bac STI2D

Le BAC STD2A, Sciences et Technologies du Design et des Arts Appliqués, s'adresse aux élèves venant d'une seconde générale ou technologique intéressés par les secteurs de l'art, de la conception et la réalisation d'objets ou d'espaces. ✅ DANS CET ÉPISODE NOUS ABORDONS : le bac STD2A

Le BAC ST2S, Sciences et Technologies de la Santé et du Social, s'adresse aux élèves venant d'une seconde générale ou technologique intéressés par les relations humaines, les études du paramédical et du social. ✅ DANS CET ÉPISODE NOUS ABORDONS : le bac ST2S

Le BAC STL, Sciences et Technologies de Laboratoire, s'adresse aux élèves venant d'une seconde générale ou technologique intéressés par les cours de sciences comme la SVT ou la chimie et par les travaux pratiques et les expériences en laboratoire. ✅ DANS CET ÉPISODE NOUS ABORDONS : le bac STL

Le bac STMG permet de découvrir des nouvelles matières : le droit, l'économie, la science de gestion et le management. Ce bac propose un enseignement plus concret. ✅ DANS CET ÉPISODE NOUS ABORDONS : le bac STMG

Ce bac technologique s'adresse aux élèves qui ont un certain niveau en danse, en musique ou en théâtre et qui souhaitent continuer leur lycée en pratiquant leur passion. ✅ DANS CET ÉPISODE NOUS ABORDONS : le bac S2TMD

Jonny Fry is Group Head of Digital Assets Strategy for ClearBank Ltd, established in 2015 becoming the first bank in over 250 years to be regulated as a clearing bank in the UK. Jonny is also CEO of TeamBlockchain Ltd as research and publishing firm that produces Digital Bytes, a weekly analysis focused on the commercial opportunity of using blockchain technology and digital assets. He is a NED of TURN, a blockchain-powered reporting platform for the asset management industry and is an advisor to a number of other firms. Jonny is chairman at Gemini Capital UK,  which owns a Dublin based fund administration platform where he is regulated by the Central Bank of Ireland. For over 20 years Jonny was CEO of Premier Asset Management Plc, a London Stock Exchange-listed asset management company. RECORD OF EXCELLENCE Respected speaker and moderator, Jonny Fry is a recognized figure in blockchain and digital assets sectors, earning him the CryptoA.M. 2022 "Influencer of The Year" Award.   More about ClearBank ClearBank are the UK's 5th clearing bank (Barclays, HSBC, Lloyds and NatWest being the others). They are Direct Participants of Bacs, CHAPS, Faster Payments and C&CCC, as well as being Principal Members of Mastercard and Visa. ClearBank also provide an API driven multi-currency solution (12 currencies) offering 24 x 7 access to the UK Payment Schemes processing payments in almost real time. All funds are held at the Bank of England, ClearBank does not lend or provide overdrafts/credit – Client funds are therefore accessible in full, 24 x 7. LinkedIn ,Twitter --- Support this podcast: https://podcasters.spotify.com/pod/show/crypto-hipster-podcast/support

Acquired by Mastercard in 2017, the UK's Vocalink manages the UK's Bacs payment system, ATM LINK switching platform, and the Faster Payments System, FPS. To make this more tangible, consider these statistics: Vocalink processes over 90% of UK salaries, more than 70% of household bills, 98% of state benefits, and powers 60,000 ATMs.  Vocalink's influence goes beyond the UK, with technology that powers fast payments infrastructure in countries such as the US, Thailand, Sweden, the Philippines, Peru, and Saudi Arabia - just to name a few. Vocalink's origin story, which began in 1998, spurred payments modernization efforts worldwide. For this episode, we sat down with Gregor Dobbie, former CEO of Vocalink, to discuss what we can learn from Vocalink's journey and what the future holds for core payment systems.

A Missouri court recently found NAR, HomeServices of America and Keller Williams liable for $1.8B in damages for conspiring to keep commissions artificially high.   And there's a long list of copycat lawsuits advocating a shift in the way commissions are paid in real estate.   So, what might that look like? What does it mean for you and your business?   Rob Levy has been a licensed Portland REALTOR since 1988 and currently serves as Principal Broker with The Rob Levy Real Estate Team, a top-producer in the Pacific Northwest.   On this episode of The Portland Real Estate Podcast, Rob joins hosts Joe Fustolo and Steve Nassar to walk us through the lawsuits against NAR and discuss how buyer's agents might be paid in the future.   They describe how the decoupling of commissions will impact first-time homebuyers and why buyer's agents will have to sell what we do to consumers moving forward.   Listen in as Rob explains how decoupling commissions will increase the barrier-to-entry in real estate and learn how to adapt to a change in how BACs are paid and thrive in a ‘specialist's market.'   Key Takeaways   What's behind the $1.8B lawsuit against NAR (and the long list of copycat lawsuits) Rob's insight on how the real estate industry resisted change in 1993 when buyer's agency came out Why the listing agent and buyer's agent are both paid by the seller right now How buyer's agents might be paid by homebuyers or negotiate commissions when an offer comes in Why buyer's agents being paid by buyers is bad for the industry and first-time homebuyers Why buyer's agents will have to sell what they do to consumers moving forward How a shift in the way BACs are paid will impact the attrition rate for REALTORS How a decoupling of commissions might be a good thing for listing agents How the decoupling of commissions will increase the barrier-to-entry in real estate Why it's crucial for real estate agents to anticipate and adapt to change The similarities and differences between the current market and the Great Recession Opportunities to buy in the current real estate market (and how first-time homebuyers are priced out) How the recent dramatic rise in interest rates killed demand in the real estate market Life events that drive people to buy and sell homes regardless of the market   Connect with Rob   The Rob Levy Real Estate Team   Connect with Joe Soldera Properties Joe on LinkedIn Connect with Steve Steve's Team at Premiere Property Group Steve on LinkedIn   Resources   Sitzer v. NAR Industry Lawsuit Watch on BAM RPAC The Compound Effect by Darren Hardy

Le 40e album d'Astérix, "L'Iris Blanc" signé par Fabcaro et Didier Conrad sortira demain dans les bacs, diffusé à plus de 5 millions d'exemplaires dans 20 langues. Coup de coeur de Monique Younès. Invités prestigieux, coups de cœur, critiques, reportages, interviews : "Laissez-Vous Tenter" dresse un panorama de l'actualité cinéma, musique, littérature, médias, people... Ecoutez Laissez-vous tenter - Midi du 25 octobre 2023 avec Le Service Culture.

The team reaches the end of its bid to review every card in the Secret Wars set with a look at the super rares and the basic action cards. And it seems it takes an epically long episode to consider the epic basic actions that are appearing for the first time in this expansion, before some major breaking news catches everyone on the hop.   01:47 Secret Wars Super Rares Review Our YouTube videos The Cards 58:02 BACs The Cards 99:41 AoB This is the main Dice Fight page, where you will find the monthly schedule and sign-up instructions. Here's an invite to the DM Discord Server (drop us a line if it expires); once you're in, look for the #dice-fight channel   You can contact us on our webpage, our Facebook page or by email.   Our theme tune is Ode to Joy – Heavy Edition, written specially for us by the most excellent dafteaux. The funky breakbeat drum loop is by by Alexander, used under a Creative Commons Attribution 4.0 International License

For the recipient of abuse in a relationship, the abuse can continue after a separation. But what happens when the couple becomes involved in court proceedings and divorce court. Kaytee Gillis, LCSW has some answers. She is a psychotherapist, author, and consultant. She works with survivors of traumatic relationships, and has extensive experience working with survivors of childhood neglect and family trauma. Kaytee's blog on Psychology Today, Invisible Bruises, received over 5 million views over the past year. On this episode of the Psychology Talk Podcast, Kaytee discusses the issue of the weaponization of the courts by emotionally abusive partners. Many of these concepts and tips for navigating the legal system are in her new book IT'S NOT “HIGH CONFLICT” IT'S POST-SEPARATION ABUSE: When Abusers Weaponize the Courts as a Form of Retaliation.https://www.kaytlyngillislcsw.com/The Psychology Talk Podcast is a unique conversation about psychology around the globe. Your host Dr. Scott Hoye discusses psychology and mental health trends with practitioners and experts to keep you informed about issues and trends in the industry. Dr. Hoye is a clinical psychologist and the director of Chicago Psychology Services, in Chicago, IL., USA.https://psych-talk.comhttps://www.instagram.com/psychtalkpodcast/https://www.facebook.com/psychtalkpodcasthttps://chicagopsychservices.com

Cyber Security is big business. In fact, it's estimated to be worth $160 billion. But that's likely to be peanuts compared to the value of cyber crime, which is estimated to cost the global economy $600 billion in 2022 - nearly 1% of the global economy. And just one corner of that - ransomware - costs the same in damage and paid-out fees as the entire cyber security industry: $160 billion. In fact, if ransomware was a country, its GDP would be higher than Morocco or Kuwait. In this episode, we'll be examining the rise of ransomware, where the risk lies in modern-day attacks, who is behind them, and what we can do about it.For Hewlett Packard Enterprise Senior Vice President and Global Chief Security Officer Bobby Ford, defeating ransomware is a constant and growing battle because its a straightforward payout for criminal gangs - there is no need to try and sell stolen data on the dark web or to foreign governments, you simply sell the victim back their access. He argues that the key to protecting ourselves is twofold. Firstly, use two-factor authentication wherever possible to guard against human weak-points such as opening infected emails. Secondly, be prepared to defend yourself. Be aware of the threats and where they are coming from, and mitigate them where you can, so long as it doesn't affect the running of your organisation. Beyond that, have a plan in place for being attacked, be that data recovery or, unfortunately, paying up. Chris Rogers is a Technologist at cyber security firm Zerto. He agrees that ransomware can be hard to avoid because humans are an inherent weakpoint, and ransomware attacks often come through human social engineering rather than password cracking. He points out that even momentary downtime can cause millions of dollars in damages. He agrees with Bobby that robust, quickly spooled up backups are an essential part of doing business. Unfortunately, that's easier said than done: Backups can sometimes be limited access, which is great for security but leaves organisations vulnerable if the key holder isn't immediately available. Beyond that, backups have to maintained incredibly regularly, as even a day's lost work for a large organisation can be a major blow. On the other hand, any back-up is better than no preparation at all. But how are cyber security threats like ransomware being treated at the very top of the tree? When it comes to cyber security, it doesn't get much more high value or (hopefully) secure than financial institutions. George Webster is chief Security Architect for HSBC. His office is tasked with quickly assessing threats, in particular APTs or Advanced Persistent Threats, and providing tools to counter them. He argues that the primary risk increase of the last couple of years has been people working from home, in situations where there are distractions and their security awareness may not be as strong as it was in the office. He also argues that on a wider level, it's not just staff who become more vulnerable as they are spread out: As ransomware becomes an increasing problem internationally, no organisation is safe anywhere in the world and being aware of the risk is key to countering it without shutting yourself off from the outside.The long show notes for this episode can be found here: https://community.hpe.com/t5/hpe-blog-uk-ireland-middle-east/ransomware-should-we-be-worried/ba-p/7183709#.Y_3FpHbP1PY 

Industry expert Mike Chambers chats with Bottomline's Richard Ransom on what changes corporates can expect from NPA and how it might impact their business. Hear what it means for Bacs and ISO20022, faster payments, direct debits, account-to-account payments, and the new overlay services it brings. Companies will need advice and guidance on design, infrastructure, and deployment, so they must start getting up to speed sooner rather than later.

In Episode 73 this week, The 966 features an exclusive conversation with Jacob Mumm, Senior Vice President for Bechtel and Managing Director for Bechtel Saudi Arabia. Bechtel's role in over 300 major projects throughout 80 years in Saudi Arabia, including the world's largest single industrial development project at Jubail, the ambitious Riyadh Metro project, "The Spine" at Neom, Ras Al Khair, and many more, make it a significant part of the story of modern Saudi Arabia. Bechtel was also recently chosen for a project management role in the building of Trojena, an alpine-themed resort area within Neom. The hosts also ask Jake about the engineering marvel that is the late Zaha Hadid-designed metro station at KAFD, whether the Riyadh metro will help alleviate traffic woes in a growing Riyadh, the increasing number of Saudi women working for Bechtel, and the importance of developing local talent in the Kingdom.

12/23 Hour 4   2:00 D Smith sits in 20:30 Junks get more gifts! 24:15 Juding the Gingerbread houses 36:00 Final BACs

It feels like a lifetime since Elis, John and Producer Dave were all in the same room together, but fresh from their respective trips away (stag do and golf do) not only were they returning to the studio… They were also returning to give YOU a lesson in how live radio should be: fast, loose, and with off-the-cuff quizzes. After Elis's shocking revelation that he doesn't wash his face the guys chat to a skin doctor about whether a change of routine is needed, John throws Elis under the bus when testing out his accent skills, Producer Dave offers some parenting advice on escalator safety and John shares his deep understanding of chancel insurance.

Aurel has an extensive career in watches and in the last few years, he and his wife Livia have partnered with Phillips Auction House to help run their watch department. Now, Aurel is of course a collector of watches himself, but instead of talking about his collection, we wanted to talk about the psychology of collecting. What makes someone go further than they had planned at an auction? What about the little nuances that makes a collector buy a piece that to the naked eye, may match the other 10 that they currently own? There are a lot of aspects of collecting that I feel a lot of us don't think about. Aurel has auctioned off some of the most important pieces known in the market. From Paul Newman's Paul Newman Daytona to many others, he has dealt with collectors and buyers of all kinds.- Phillips Watch Department: In Association with Bacs & Russo - https://www.phillips.com/watches- Auction Video of Paul Newman's, Paul Newman Daytona - https://www.youtube.com/watch?v=X0tjSUOvi5k&t=10sRecorded February 10th, 2021

We all know what a nuisance fleas and ticks can be, especially when it comes to how they affect our dogs. They are gross, annoying, and potentially harmful to our dogs' health. But many products aimed at killing and preventing fleas and ticks contain chemicals to not only kill the parasites, but poison the host as well … and that's your dog! Listen in as Ádám Bacsó shares the hard facts about fleas and ticks, the lifecycle for each, what diseases they can transmit, other health issues they can cause, the problems with pesticides, and the science behind how to prevent fleas & ticks naturally. There are safe treatments!

  Cenzúra Arisztotelésztől a Facebookig - Dr. Gosztonyi Gergely könyve. Breaking News! Az adásfelvétel után két nappal az ELTE ÁJK csapata a legnevesebb médiajogi, szólásszabadsági és adatvédelmi nemzetközi perbeszédmondó verseny világdöntőjén - második legjobb európai csapatként - a tizedik helyezést érte el. A felkészítő tanár ki más is lehetett volna, mint Gergő! Az adás előtt az Amarcord ebéd-jelenetének hangsávja szól. Fellini életmű Oscar-díja 1993-ban. A Szerelmes Biciklisták Bacsó Péter audiokommentárjával! (Kár, hogy ezt csak az adás után láttam.) Szimpatikus fiatalember ez a Sou Fujimoto. Adászene: Sleep. ........................... Ha szeretnél támogatni minket, a Patreon oldalunkon megteheted. A gombapresszó Twitter csatornája. Az élő adások helyszine, az MR4 csatorna. Az adászenéket tartalmazó Spotify lista.

With John Robins now joining co-host Elis James on the more mature side of 40, the potential mood of our birthday boy was anyone's guess today. Luckily, the pep in John's step was there for all to see… or at least it was until our old friend technology did its level best to de-rail proceedings at every turn. Did it manage to? We'll let you be the judge of that, dear listener (it did, and now John is sad again), but when did a little bit of on air jeopardy hurt anyone? Enjoy the chaos.

Martin Wilson is CEO of Digital Identity Net, a growing Fintech business regulated by the FCA and founded with a social purpose to deliver the first privately funded public service. It aims to make the internet a safer place by enabling people to verify who they are by calling on their bank to vouch for them. DIN's OneID platform is secure and simple and shares only the information required to enable a safe interaction online with the consumer always in control of their personal data.Martin is passionate about the topic of Digital Identity which led him to first invest and then go on to lead the business, with a desire to create a better way for people to operate online. He is an experienced CEO, NED and board level director specialising in business transformation with a proven ability to develop business vision and strategy. He has a demonstrable track record of delivering large scale, mission critical programmes and culture change within highly regulated environments. Martin has held many Executive and Non-Executive Director roles over the last 15 years, including a NED on the Faster Payments Board (FPSL) and special Advisor and NED to E-Serve (the Scheme delivery arm of OfGem). He has also run his own consultancy service since March 2010. He is a natural leader with strong management skills, leading companies to deliver to challenging targets. His interpersonal skills enable him to influence key decision makers at the most senior levels and his market experience spans public sector, Financial Services, M - and E-commerce and IT in UK, Europe, Middle East, Australia, and East Africa. Martin's last role was as Head of Change for Payments at RBS/ Nat West, leading a £200M change portfolio. He has been a VP at HP, running a €300m global programme for a leading investment bank and as CEO of a mobile international money transfer start-up he launched a £multi-million platform servicing money flows from the Middle East to the Indian sub-continent and the far east. As Chief Commercial Officer for BACS, Voca and VocaLink, Martin led the company from a domestic not-for-profit, mutual organisation (BACS) to a successful international commercial and profitable enterprise. He successfully re-developed the UK payments IT infrastructure and delivered an ambitious strategy for growth, including the successful launch of the UK Faster Payments Service. Martin led Strategy and Innovation within the Business Development function, driving a product and marketing strategy across three global regions and sat on several JV Boards during this time. Prior to that Martin was a senior civil servant responsible for the development and maintenance of all IT systems in the UK Department of Social Security. Martin lives in the Lake District with his partner Barbara and 4 trail hounds. He has 3 grown up sons. When he wants to be active, he is a keen mountain walker and when he wants to relax, he is a keen follower of all forms of cricket (although that's not always a relaxing past time!).Top tip: “If you can keep your head when all around are losing theirs and blaming it on you”. A leader must always strive to find ways over, through or around problems and issues and guide their teams past them, keeping a calm head when all around may be doubtful. See acast.com/privacy for privacy and opt-out information.

In this episode Steve details how you can get your staff to make online payments within your organization without putting yourself at risk. Steve covers card purchases, PayPal, Amazon, standing orders, BACS payments and paying your overseas staff their wages. KEY TAKEAWAYS Do not give your staff a debit card or credit card that is linked to your main account. Set up a prepaid card which is in their name or a company name and provide them with that. There are service providers available that provide payments cards which have small pools of funds attached to them to prevent fraud. These individuals cards balances can be topped up or reduced by you as you see fit. To use Paypal accounts you can then set up an individual account for your employee and then use their limited prepaid card to fund that account. This way the Paypal account has access to the same limited funding provided by the debit card. Amazon offers a service where you can load the account with gift vouchers and then your employee can use that fund to purchase. Be sure to remove your payment details from the account before you pass it back to your staff. BACS payments can often be lengthy and time consuming. You can delegate this task to your staff using banking apps such as HSBC Business or Revolut which allow you to limit the amount of access to, for example, leave the final approval of the transaction to you only. When you have international staff keep your fees to an absolute minimum by using Wise which allows you to transfer anywhere in the world and pays in the employees home currency keeping those costs low. This can be linked to a dedicated bank account for staff wages. BEST MOMENTS ‘This how you can give that work to somebody else without risking them rinsing your bank account’ ‘We use FairFX Business, there are loads of others available, that allows me to set up users, as many users as I want and each of those can have a card assigned to them.’ ‘Therefore you can at least sleep soundly at night knowing they don’t have access to your main bank account.’ ‘You limit you liability by limiting the amount that that person can make per BACS payment.’ ‘We were very conscious of the need to pay people in their own currencies. Obviously they want to receive payments in their own currencies so they can go out and spend it without them being charged a fortune.’ VALUABLE RESOURCES Facebook Group: https://www.facebook.com/SystemsAndOutsourcing/ Website: https://systemsandoutsourcing.com/welcome-1 YouTube: https://www.youtube.com/c/drsteveday The RIGHT Assistants For Your Business by Dr Steve Day http://bit.ly/sys-10 ABOUT THE HOST Steve used to be a slave to his business but when he moved to Sweden in 2015, he was forced to change the way he worked. He switched to running his businesses remotely and after totally nailing this concept he decided to spend his time helping other small business owners do the same. Steve’s been investing in property since 2002, has a degree in Computing, and worked as a doctor in the NHS before quitting to focus full-time on sharing his systems and outsourcing Methodology with the world. He now lives in Sweden and runs his UK-based businesses remotely with the help of his team of Filipino and UK-based Virtual Assistants. Most business owners are overwhelmed because they don't know how to create systems or get the right help. Our systems and outsourcing Courses and coaching programme will help you automate your business and work effectively with affordable virtual assistants. That way, you will stop feeling overwhelmed and start making more money. See omnystudio.com/listener for privacy information.