Podcasts about Cif

Dans cet épisode d'OVNIs, Matthieu Stefani et Arnaud Laurent reçoivent Laurence Hémery, Partner chez Chausson Partners, pour décrypter les coulisses des levées de fonds en venture capital. De la Série A aux opérations de M&A, elle partage son expérience de banquière d'affaires et explique pourquoi lever des fonds est un exercice stratégique qui ne s'improvise pas, entre préparation, négociation et compréhension fine des attentes des investisseurs. Ensemble, ils explorent les grandes tendances qui façonnent aujourd'hui l'écosystème tech : intelligence artificielle, deeptech, robotique, énergie, industrie ou encore medtech. Loin des effets de mode, Laurence Hémery livre une analyse pragmatique des secteurs les plus prometteurs, des erreurs à éviter pour les entrepreneurs et du rôle essentiel d'un accompagnement expert pour construire une véritable trajectoire de croissance. [00:00:00] Introduction : le rôle méconnu des banques d'affaires dans les levées de fonds[00:01:12] Chausson Partners : accompagner les startups de la Série A jusqu'à l'exit[00:05:33] Faut-il vraiment un leveur de fonds pour réussir sa levée ?[00:09:07] Combien coûte un banquier d'affaires et comment est-il rémunéré ?[00:11:48] Pourquoi l'IA ne remplacera pas le métier de leveur de fonds[00:14:22] Les erreurs qui peuvent faire échouer une levée de fonds dès le premier contact[00:19:17] IA, deeptech, robotique : où vont les investisseurs en 2026 ?[00:24:22] Industrie, énergie et souveraineté : les nouveaux secteurs qui attirent le capital[00:30:22] Les effets de mode du venture capital et comment les anticiper[00:35:12] Comment Chausson Partners sélectionne les startups qu'il accompagne[00:39:36] Ce qui distingue les meilleurs entrepreneurs lorsqu'ils lèvent des fonds [00:47:28] Les derniers conseils de Laurence Hémery aux fondateurs et conclusion de l'épisode

The CIF's Denise Tuffy tells PJ about a meeting in The Radisson Little Island at 5.30pm this evening about the need for construction businesses to get ready for govt regulations for govt contracts which will also be mirrored in other contracts. Register here Hosted on Acast. See acast.com/privacy for more information.

Les grands groupes hôteliers cèdent leurs hôtels 1 et 2 étoiles depuis des années. Pendant qu'Accor vend, Yahia Ben Othman, lui, rachète. En moins de dix ans, le groupe Verdoso a acquis plus de 30 hôtels économiques en France, sur fonds propres. Et avec ce parc, ils parviennent à générer des rendements plus qu'honorables*.Dans cet épisode, nous recevons Yahia Ben Othman est directeur général du groupe Honpô, la plateforme d'exploitation du groupe familial Verdoso, spécialisée dans la gestion d'hôtels super-économiques en France ; et Raphaël Zribi qui pilote Balestra, la société de gestion agréée AMF créée dans l'orbite de Verdoso pour ouvrir cette stratégie à des investisseurs externes : family offices, entrepreneurs, CGP.À deux, dans ce nouveau format croisé, ils racontent chacun leur version d'une même conviction : l'hôtellerie super-économique est un marché sous-exploité, et ils ont plus de 30 hôtels pour le prouver.Parmi les sujets abordés dans cet interview croisée : Pourquoi un segment que les grands groupes ont abandonné est aussi l'un des plus résistants aux crises ; et pourquoi c'est précisément ce qui en fait un outil de diversification pertinent.Comment identifier un hôtel en difficulté financière et comprendre comment lui redonner de la valeur ; avec le cas Colmar comme illustration concrète.Ce que signifie acheter des murs à moins de 2 000 €/m², en dessous du coût de reconstruction, en termes de protection du capital investi.Pourquoi les entrepreneurs souscrivent davantage que les profils patrimoniaux classiques ; et ce que ça dit du modèle.Les critères pour accepter ou non non un actif, et pourquoi c'est une bonne chose pour les investisseurs.Bonne écoute ! *Les performances passées ne préjugent pas des performances futures. Rendez-vous sur sapians.com pour connaitre le détail du fonds, ses performances et risques associés.------------------------------Ressources complémentairesImmobilier 2026 : décrypter le cycle pour bien investir, avec Jean-Baptiste Pracca (Mata Capital) https://sapians.com/blog/podcast-immobilier-jean-baptiste-pracca-mata-capital Investir dans l'immobilier via un fonds : comment construire un portefeuille résilient avec Sapians https://sapians.com/investissement-actifs-reels-----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Depuis le PLF 2025, on lit partout que le LMNP est mort. Stefano Demari, lui, vient d'enregistrer les meilleurs mois de l'histoire de JD2M : 3 000 nouveaux inscrits en mai 2026, soit le double de l'année précédente. Croissance de 40% sur l'année. Stefano Demari est président et co-CEO de JD2M - Je Déclare Mon Meublé, la plateforme qui traite les déclarations fiscales LMNP de 80 000 clients en France, soit près de 100 000 lots. Il a aussi porté la voix des bailleurs meublés directement au Parlement lors des débats sur le PLF 2025. Dans ce troisième et dernier volet de notre hors-série Immobilier, nous démontrons les idées reçues sur la mort du LMNP.Au programme : Ce que le PLF 2025 a vraiment changé pour les investisseurs, et ce qu'il n'a pas changé Pourquoi la réintégration des amortissements dans la plus-value est bien moins catastrophique qu'annoncé Pourquoi autant d'investisseurs laissent de l'argent sur la table en déclarant mal, et pourquoi la première année est la plus critique Meublé, location nue, bailleur privé (loi Jeanbrun) : qui gagne vraiment en 2026 ? Comment Stefano voit le marché évoluer dans les deux prochaines années  Code promo JD2M : JUSTFOCUS, 10% de réduction sur jd2m.fr, valable 1 an pour les nouveaux clients.  Pour aller plus loin : Hors-Série Immobilier #1 - Immobilier 2026 : décrypter le cycle pour bien investir, avec Jean-Baptiste Pracca https://sapians.com/blog/podcast-immobilier-jean-baptiste-pracca-mata-capital Hors-Série Immobilier #2 - Crédit immobilier et entrepreneurs : comment présenter votre dossier à la banque, avec Jean-Baptiste Monié https://sapians.com/blog/podcast-immobilier-jean-baptiste-monie-carte-financement Investir dans l'immobilier locatif ou dans un fonds immobilier ? https://sapians.com/blog/investir-dans-immobilier-locatif-ou-dans-fonds-immobilier-----------------------Attention : Ceci est une communication publicitaire. Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians. SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Arnaud Laurent a participé à la table ronde “Founder 2 Founder” organisée à EuraTechnologies, aux côtés de plusieurs investisseurs et acteurs majeurs de l'écosystème startup européen. Fondateur et General Partner d'OVNI Capital, il y a partagé sa vision d'un capital-risque fondé sur l'ambition, l'exécution rapide et la capacité des entrepreneurs à penser international dès les premières étapes de leur développement.Au cours des échanges, il a notamment insisté sur l'importance des équipes, du storytelling et de l'ouverture vers des marchés comme les États-Unis, tout en défendant l'idée que l'innovation peut émerger partout, bien au-delà des grands hubs traditionnels. Son intervention a également mis en avant le rôle clé des écosystèmes régionaux dans la création des futurs leaders technologiques. [00:00:00] Introduction de la table ronde et présentation des investisseurs[00:01:03] Présentation d'Arnaud Laurent et d'OVNI Capital[00:05:09] L'importance de l'équipe et de l'exécution plutôt que de la localisation[00:06:03] Investir hors des grands hubs : l'exemple Clermont-Ferrand → New York[00:06:26] Construire une société internationale en full remote[00:10:36] Pourquoi l'ambition collective et les rôles modèles sont essentiels[00:20:29] L'importance des sources d'inspiration dans l'entrepreneuriat[00:21:26] Développer localement, vendre globalement : la leçon belge[00:23:42] Les nouveaux enjeux du venture capital et la compétition entre fonds[00:24:43] Pourquoi les meilleurs deals se jouent désormais en quelques jours[00:25:27] Toutes les startups ne doivent pas devenir des licornes[00:32:50] Storytelling, séduction et création de “FOMO” auprès des investisseurs[00:33:19] San Francisco et la puissance du narratif américain[00:34:14] “Le sens de ma vie, c'est financer des entrepreneurs”[00:36:24] Pourquoi il manque encore plus de startups software dans les Hauts-de-France[00:36:24] Pourquoi il manque encore plus de startups software dans les Hauts-de-France[00:37:27] La nécessité pour les fondateurs de maîtriser les enjeux financiers[00:37:48] Le parcours bootstrap de Mathieu Tarnus et la croissance sur 25 ans[00:38:30] Passer d'opérationnel à dirigeant stratégique et financier[00:39:20] Les différences entre startups financées par VC et entreprises bootstrapées[00:40:05] Comment accompagner durablement les entrepreneurs dans leur croissance[00:41:12] Les nouveaux modèles d'entreprises rendus possibles par l'IA[00:42:03] Construire des sociétés rentables sans forcément lever des fonds[00:43:10] L'importance des écosystèmes régionaux pour faire émerger les talents[00:44:02] Conclusion de la table ronde et derniers conseils aux entrepreneurs

On sort de la correction immobilière la plus violente depuis 2009. Les volumes d'investissement en Europe ont chuté à 145 milliards en 2023, avant de remonter à 215 milliards en 2025. Les institutionnels reviennent progressivement. Et pourtant, beaucoup d'investisseurs privés hésitent encore : est-ce le bon moment ? Que faire de son capital immobilier dans ce contexte ? Jean-Baptiste Pracca a cofondé Mata Capital il y a dix ans. Il analyse les cycles depuis les données brutes jusqu'aux comportements des acheteurs, et il voit des centaines de dossiers chaque année. Son regard sur le marché est tranchant, et ses convictions, parfois contre-intuitives. Dans cet épisode, il décrypte les mécanismes du cycle actuel, explique pourquoi la gestion passive ne fonctionne plus dans ce nouveau paradigme de taux, et dresse une cartographie honnête des classes d'actifs : là où les opportunités sont réelles, là où les destructions de valeur ne sont pas terminées. Il revient aussi sur l'erreur stratégique des SCPI, sur la thèse opco-propco en hôtellerie et résidentiel géré, et donne trois convictions fortes sur l'immobilier européen pour les cinq prochaines années. Un épisode dense, construit sur des données concrètes, pour ceux qui veulent comprendre le marché avant d'agir. Des ressources pour approfondir : Investir en SCPI : avis, contexte de marché, points de vigilance https://sapians.com/blog/investir-scpi-avisQue savoir pour investir en private equity immobilier ? https://sapians.com/blog/investir-private-equity-immobilierInvestir dans des fonds immobiliers value-added https://sapians.com/blog/classement-meilleur-fonds-immobilier-value-added-2025Comment investir dans l'immobilier en période d'inflation ? https://sapians.com/blog/investir-immobilier-periode-inflation -----------------------Attention : Ceci est une communication publicitaire. Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians. SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Dans ce nouvel épisode d'OVNIs, Matt Stefani reçoit Gautier Bugeon, fondateur de Mokn, une startup cyber française qui révolutionne la détection des identifiants compromis grâce à une approche aussi simple que redoutable : créer de fausses portes d'entrée pour piéger les attaquants avant qu'ils ne pénètrent réellement les systèmes des entreprises. Ancien pentester offensif, Gautier raconte comment son expérience de “hacker éthique” lui a permis d'imaginer une technologie capable de retourner les techniques de phishing contre les cybercriminels eux-mêmes. Au fil de la discussion, ils explorent l'évolution fulgurante de la cybersécurité à l'ère de l'IA, les coulisses des attaques modernes, le fonctionnement des ransomwares, mais aussi la construction éclair de Mokn : une startup lancée avec seulement 5 000 euros, aujourd'hui soutenue par Google Ventures après une levée de 15 millions de dollars. Un échange passionnant sur le hacking, la défense offensive, le scale aux États-Unis et la nouvelle génération de startups cyber françaises. [00:00:00] Introduction : découvrir Mokn et le concept du “Phishback”[00:02:10] Comment les hackers volent et exploitent les identifiants[00:03:28] Les fausses portes d'entrée : la stratégie de défense de Mokn[00:04:27] Le parcours de Gautier Bugeon et le métier de pentester[00:06:24] Pourquoi l'IA révolutionne les cyberattaques et le hacking[00:09:05] Comment l'IA devient aussi une arme défensive pour Mokn[00:10:24] Ransomwares, hacking éthique et sécurité des grandes entreprises[00:12:42] Bug bounty, marché noir des exploits et cybercriminalité[00:14:04] Construire une startup cyber : branding, produit et marketing[00:15:04] Les débuts bootstrapés de Mokn et les premiers clients CAC 40[00:16:52] Les attaques permanentes contre les grandes entreprises[00:18:03] Automatisation, threat intelligence et réponse aux incidents[00:22:25] Levée de fonds avec Google Ventures et ambitions internationales[00:24:24] Scaling aux États-Unis, recrutement et business de la cybersécurité[00:29:12] Vision long terme, entrepreneuriat et passion du hacking

Send us Fan MailDenny and Producer Rob conducted this podcast episode while Rob was traveling in Peru. The two discussed Denny's high school baseball team's recent elimination from the CIF playoffs after losing a tough away game. Denny talked about his team's strong season performance, including victories over multiple opponents, and mentioned that his program will be participating in the Dodgers summer league program, with a new player related to Dodgers manager Dave Roberts joining the team."Swing Hard in case you hit it!" Denny Barrett

En tant qu'entrepreneur ou dirigeant, avez-vous déjà eu l'impression que votre banquier ne savait pas vraiment quoi faire de votre dossier immobilier ? Revenus atypiques, sociétés imbriquées, projet un peu hors-norme : vous faites partie de la catégorie des dossiers que les banques traditionnelles ne savent pas toujours bien accompagner.Jean-Baptiste Monié, cofondateur de Carte Financement, a fait de cette catégorie son métier depuis 2009.  Dans un contexte de taux incertains et de marché immobilier sous tension, il partage sa lecture de terrain et les leviers concrets que la plupart des dirigeants n'utilisent pas, faute de les connaître. A la fin de cet épisode, vous saurez : Comment se forment les taux immobiliers et quels indicateurs suivre pour anticiper leur évolution ? Pourquoi la règle des 35% d'endettement ne s'applique pas toujours à un dirigeant Faut-il acheter ses bureaux en ce moment ? A quelles conditions l'équation tient-elle ? Crédit Lombard, crédit hypothécaire : quand ces outils ont-ils du sens dans une stratégie patrimoniale ? Comment structurer un financement immobilier quand votre situation sort des cases bancaires ? -----------------------Quelques ressources pour aller plus loin : Réaliser un audit patrimonial : pourquoi ? Comment ? https://sapians.com/blog/audit-patrimonial-----------------------Attention : Ceci est une communication publicitaire. Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians. SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

C'est trop facile de raconter un deal en ne regardant que d'un côté. Alors aujourd'hui, nous avons voulu réunir les deux : le fonds et l'entrepreneur qu'il accompagne, pour qu'ils racontent leurs versions de la même histoire, et partagent leurs points de vue, parfois complètement différents. Pour ce format inédit, Aurore Perrin reçoit Laurent Foiry, co-fondateur de Spring Invest, fonds spécialisé dans la transformation du commerce, et Martin, fondateur d'Acolyt, logisticien 3PL premium pour marques de mode et cosmétique.  Ensemble, ils reviennent sur cinq ans d'une relation qui a commencé par une rencontre. Au départ, rien ne laissait présager qu'elle mènerait à une levée de fonds.Parmi les sujets abordés dans cet interview croisée : Qu'est-ce qu'un fonds peut apporter qu'aucun banquier ne peut vous donner ? Jusqu'où un entrepreneur doit-il être transparent avec son investisseur ? Pourquoi faire petit peut être la stratégie la plus ambitieuse qui soit ?  Quand décide-t-on que c'est le bon moment de se séparer ?  Bonne écoute !  -----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

-President Donald Trump reads from the Bible, 2 Chronicles Chapter 7, The Dedication of the Temple at the Rededication 250 event in DC. -At the Rededicate 250 prayer festival, Speaker Mike Johnson prays, "Almighty God, we ask that you hear these solemn petitions just as we in the beginning dedicated this land to your most holy name." -Sen. Tim Scott: "We should recognize the importance that in America, you can believe or not believe at all but the fact of the matter is, it is our foundation that recognizes, historically and biblically, that our rights come from God's humanity." -On "Wake Up America Weekend," Jack Posobiec reacts to the ousting of Sen. Bill Cassidy after he voted to convict President Trump. -Former NYC Mayor Rudy Giuliani joins “Saturday Report” for his first interview since his recent health scare to share an update on his recovery, and blasted New York City Mayor Zohran Mamdani for planning to skip the annual Israel Day Parade. -On “Finnerty,” Reese Hogan, a CIF track and field athlete, speaks out ahead of a competition with a transgender athlete. Today's podcast is sponsored by : QUINCE CLOTHING - Refresh your wardrobe with Quince.  Go to http://Quince.com/NewsmaxDaily for free shipping on your order and 365-day returns. Listen to Newsmax LIVE and see our entire podcast lineup at ⁠http://Newsmax.com/Listen⁠ Make the switch to NEWSMAX today! Get your 15 day free trial of NEWSMAX+ at ⁠http://NewsmaxPlus.com⁠ Looking for NEWSMAX caps, tees, mugs & more? Check out the Newsmax merchandise shop at : ⁠http://nws.mx/shop⁠ Follow NEWSMAX on Social Media:  -Facebook: ⁠http://nws.mx/FB⁠  -X/Twitter: ⁠http://nws.mx/twitter⁠ -Instagram: ⁠http://nws.mx/IG⁠ -YouTube: ⁠https://youtube.com/NewsmaxTV⁠ -Rumble: ⁠https://rumble.com/c/NewsmaxTV⁠ -TRUTH Social: ⁠https://truthsocial.com/@NEWSMAX⁠ -GETTR: ⁠https://gettr.com/user/newsmax⁠ -Threads: ⁠http://threads.net/@NEWSMAX⁠  -Telegram: ⁠http://t.me/newsmax⁠  -BlueSky: ⁠https://bsky.app/profile/newsmax.com⁠ -Parler: ⁠http://app.parler.com/newsmax⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Le private equity evergreen fait rêver : la performance du non-côté, avec la liquidité en prime ! Mais n'est-ce pas un peu trop beau pour être vrai ?Étienne de Saint-Germain, responsable de l'offre et des services chez Sapians, analyse des centaines de fonds chaque année. Il nous retrouve aujourd'hui pour démystifier les fonds evergreen : un véhicule en pleine explosion mais dont les promesses alléchantes méritent d'être passées au crible.Dans cet épisode, découvrez :Ce qui distingue un fonds evergreen d'un fonds classique.Comment la liquidité est organisée dans des actifs illiquides et où elle trouve ses limites.Pourquoi ces fonds performent structurellement moins.Les critères spécifiques à analyser avant d'y investir.-----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Military life comes with emotional hurdles that have absolutely nothing to do with combat or deployments. We are diving into 13 petty things in the military that can break a grown man emotionally and none of them have to do with combat or deployments. From the "hurry up and wait" culture to the nightmare of CIF gear turn-in, we laugh about the frustrations every veteran knows too well. These are the unfiltered realities of service that build camaraderie through shared struggle.   Timestamps (00:00) - Intro (00:42) - The CIF nightmare and gear turn-in (04:45) - Field day inspections and power trips (05:27) - How to turn hurry up and wait into productivity (06:09) - Forced bonding and the truth about mandatory fun (07:33) - Navigating the mental game of shifting deployment dates (09:27) - Government budgets and single-ply toilet paper (12:00) - Surviving the absolute monotony of 24-hour staff duty (13:21) - Motor Pool Mondays and the search for broken parts (15:30) - Getting voluntold and why you can never hide in a crowd   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Join our investor list: https://www.frommilitarytomillionaire.com/investors Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire

Dans cet épisode d'OVNIs, Matthieu Stefani reçoit Damien Garros pour une plongée au cœur des infrastructures technologiques à l'ère de l'IA. Damien explique comment OppsMill aide les grandes entreprises à automatiser des systèmes complexes en structurant leur donnée et leur “contexte” — élément clé pour rendre les agents intelligents réellement efficaces. À travers des exemples concrets, notamment avec des acteurs mondiaux, il montre pourquoi ces sujets restent extrêmement difficiles à internaliser et constituent un levier stratégique majeur. La discussion s'élargit ensuite aux transformations profondes induites par l'IA : fin progressive du rôle traditionnel de développeur, montée en puissance des profils produit, explosion des micro-logiciels et dépendance croissante aux outils intelligents. Entre vision long terme et cas d'usage immédiats, cet échange met en lumière un changement de paradigme : demain, la valeur ne sera plus seulement dans le code, mais dans la capacité à organiser, comprendre et exploiter la donnée à grande échelle. [00:00:00] Introduction & retour de Damien sur OVNIs[00:03:30] OppsMill expliqué simplement : automatiser l'infrastructure[00:07:00] IA vs développeurs : ce qui va vraiment changer[00:10:30] Le vrai shift : du code vers le produit[00:14:00] Le rôle clé du “contexte” dans les agents IA[00:17:30] Pourquoi l'infrastructure physique est un cauchemar à gérer[00:21:00] Comment OppsMill structure les données pour les agents[00:24:30] Cas concret : TikTok et les infrastructures globales[00:28:00] Exemple entreprise : pourquoi L'Oréal en aurait besoin[00:31:30] Knowledge graph : la base invisible de l'automatisation[00:35:00] Pourquoi tout le monde échoue à construire en interne[00:38:30] Open source vs build in-house : le vrai arbitrage[00:42:00] Déployer une telle solution : temps, coût et ROI[00:46:00] Les agents IA en action : analyse, résolution, automatisation[00:50:00] Futur : dépendance à l'IA et explosion des softwares

Ce ne sont pas seulement les marchés qui détruisent la performance des investisseurs particuliers. Ce sont aussi leurs décisions, prises sous l'influence de biais comportementaux, dont ils n'ont pas conscience.  Aversion au risque, effet de disposition, biais domestique : ces mécanismes sont documentés, mesurables... Et peuvent vous coûter 4 à 7% de performance boursière annualisée. Dans cet épisode, Nour Bendimered, Directeur des Investissements Marchés financiers chez Ivesta vous aide à prendre conscience de ces pièges et adopter une méthode pour en limiter l'impact sur votre patrimoine. Découvrez : Pourquoi nos décisions d'investissement sont bien moins rationnelles qu'on ne le croit. Les biais cognitifs qui affectent la majorité des investisseurs particuliers. L'impact réel de ces biais en termes de performance annualisée. Les méthodes concrètes pour limiter l'impact des émotions sur vos décisions d'investissement. -----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

In this episode of Simply Trade, host Lalo Solorzano is joined by Trudy Wilson, longtime Global Training Center instructor and trade compliance expert, for the first installment of what Lalo calls “Trudy's Trade Tips.” This conversation focuses on a foundational topic that continues to create confusion across import and export teams: Incoterms 2020. Trudy breaks down why companies should not simply default to familiar terms like FOB or Ex Works, especially when containerized freight, export filing, loading responsibility, and risk exposure are involved. Key Takeaways Incoterms are voluntary, but they help buyers and sellers clearly define responsibility. There are 11 Incoterms, but most companies should focus primarily on the 7 “any mode” terms. FOB, CIF, CFR, and FAS are often misused when goods are moving in containers. “Ocean shipment” does not automatically mean one of the ocean-only terms applies. Ex Works may look simple for the seller, but it can create serious compliance and operational risk. Export filing, proof of export, loading responsibility, and product destination still matter. AI and automation can help, but trade professionals still need the foundation to validate results. Featured Discussion Trudy explains why the four sea and inland waterway terms should generally be reserved for goods that are “pumped or dumped” onto a vessel, such as oil, grain, minerals, or ore. For most containerized shipments, even when moving by ocean, companies should usually be evaluating the seven any-mode Incoterms instead. She also cautions against the casual use of Ex Works, reminding exporters that “easy” does not always mean low risk. Memorable Quote “If you don't have the foundation right, you're going to have issues with the tariffs anyway.” Hosts Lalo Solorzano Trudy Wilson About Simply Trade Simply Trade is a podcast by Global Training Center, created for trade compliance professionals, importers, exporters, customs brokers, and supply chain leaders who want practical conversations about global trade.

Dans cet épisode d'OVNIs Podcast, Thomas Renaudin reçoit Gabriel Méhaignerie, investisseur chez Pace Ventures, pour une plongée au cœur du venture capital deep tech. Gabriel revient sur son parcours atypique d'ingénieur passé par la robotique à l'EPFL, puis Boston, où il découvre l'univers du VC au contact d'un écosystème très orienté innovation scientifique. Il partage les coulisses de Pace, un fonds early-stage qui investit entre l'Europe et les États-Unis, avec une thèse forte autour du hardware, de la deep tech et des technologies complexes, ainsi que les choix stratégiques liés à l'internationalisation et aux différences de marché. L'échange met surtout en lumière la réalité souvent méconnue du métier d'investisseur : au-delà du capital, il s'agit avant tout de construire une relation de confiance durable avec les fondateurs. Gabriel détaille son approche, centrée sur la compréhension technique, l'identification de vrais “pain points” marché et une logique de “green flag investing” — chercher la raison unique qui rend une équipe exceptionnelle. Il dévoile également le fonctionnement concret de Pace, notamment leur engagement à générer des opportunités commerciales pour leurs participations, et livre une vision lucide des arbitrages, des risques et des intuitions qui façonnent les décisions d'investissement en early-stage.[00:00:00] Introduction et parcours de Gabriel Méhaignerie (Pace Ventures)[00:03:30] Découverte du venture capital à Boston et premiers insights[00:05:30] Pourquoi rejoindre un emerging fund plutôt qu'un fonds établi[00:07:30] Le vrai métier de VC : construire la confiance avec les founders[00:10:00] Se différencier en tant qu'investisseur early-stage[00:12:30] Thèse de Pace Ventures : deep tech, hardware et go-to-market[00:15:00] Investir aux États-Unis vs Europe : opportunités et arbitrages[00:18:00] Accès aux deals et dynamique du marché américain[00:20:30] Trouver des opportunités uniques (ex : nucléaire, deep tech)[00:23:00] Évaluer un founder à travers différentes cultures[00:26:00] Les qualités essentielles d'un grand fondateur en deep tech[00:30:00] “Green flag investing” et intuition dans la décision[00:34:00] Process d'investissement et création de value-add concrète[00:42:00] Exemples concrets d'investissements et rôle du réseau[00:52:00] Réalité du terrain : voyager, rencontrer, exécuter globalement jusqu'à la fin

PEA, PER, assurance-vie, épargne salariale, compte-titres, contrat de capitalisation… Vous connaissez leurs noms. Mais savez-vous vraiment laquelle correspond le mieux à votre situation ? Comment bénéficier pleinement de leurs atouts ? Et ce que ça vous coûte de mal les utiliser ?Dans cet épisode, Étienne de Saint Germain, family-officer et responsable de l'offre et des services chez Sapians, passe en revue des enveloppes incontournables et leurs spécificités (fiscalité, avantages, inconvénients, conditions...).Découvrez :Les PEA et PEA-PME, deux enveloppes complémentaires dont les avantages fiscaux vont bien au-delà de ce qu'on imagine.Ce que personne ne vous dit sur l'assurance-vie française : est-ce vraiment l'enveloppe fiscale ultime ?Les utilisations les plus judicieuses du plan d'épargne retraite (PER). Attention, il n'est pas fait pour tous. Il peut être un puissant levier fiscal si (et seulement si) votre situation s'y prête vraimentDans quels cas vous méfier de l'épargne salariale proposée par votre entreprise (sa fiscalité attractive peut masquer des performances décevantes...)Pourquoi le contrat de capitalisation et le compte-titres ordinaire méritent toute votre attention. Ces enveloppes sont sous-estimées et pourtant redoutables !Bonne écoute ! ATTENTION : suite à la loi de finances 2026, les prélèvements sociaux sont désormais de 18,6 % (au lieu de 17,2 % comme mentionné dans l'épisode) et la flat tax (prélèvement forfaitaire unique) s'élève à 31,4 % (anciennement 30 %).Des ressources pour approfondir : Qu'est-ce que le PER ? Son fonctionnement et ses avantages https://sapians.com/blog/plan-epargne-retraite-comment-ca-marcheComment fonctionne l'assurance-vie française ? https://sapians.com/blog/fonctionnement-assurance-vie-francaise Optimiser sa transmission de patrimoine avec le PER https://sapians.com/blog/patrimoine-transmission-per-plan-epargne-retraiteTout ce qu'il faut savoir sur les transferts de PEA, PER, PERCO https://sapians.com/blog/transfert-pea-perTout savoir sur le compte-titres ordinaire https://sapians.com/blog/compte-titresDans quelle enveloppe loger ses investissements en private equity ? https://sapians.com/blog/enveloppe-private-equity -----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Der Generation Pille Podcast ist zurück. Nach einer längeren Pause melden wir uns mit einem ehrlichen Update zurück und bringen gleichzeitig unsere "Ausbildung zum Coach für integrative Frauengesundheit" in neuem Format wieder an den Start. In dieser Folge nehmen wir dich mit hinter die Kulissen: Wir erzählen dir, warum wir pausiert haben, welche Herausforderungen es gab und wie wir die Ausbildung komplett neu gedacht haben. Außerdem erfährst du, wie das neue Konzept aussieht, warum wir uns gegen Live-Q&As entschieden haben und was stattdessen entstanden ist. Viel Spaß bei dieser Folge! ______ **Werde Coach für integrative Frauen­gesundheit** Lerne, was es wirklich braucht, um Frauen erfolgreich auf dem Weg zu hormoneller, mentaler und emotionaler Gesundheit zu unterstützen! >>> [http://generation-pille.com/cif/](http://generation-pille.com/cif/) ______ GenerationPille Blog: [https://generation-pille.com](https://generation-pille.com) ______ GenerationPille auf Instagram: [https://www.instagram.com/generationpille/](https://www.instagram.com/generationpille/)

Le marché du private equity traverse une période charnière. Après un cycle exceptionnel entre 2011 et 2021, le décor a changé : sorties plus compliquées, liquidité plus rare, fonds zombies, performances sous pression… et une vraie nécessité d'être beaucoup plus sélectif.Pour mieux appréhender ces mutations, Aurore Perrin reçoit Pierre-Marie de Forville, co-fondateur et CEO d'iVesta Family Office et co-fondateur de Sapians.Depuis dix ans, il supervise la sélection des fonds de private equity et rencontre au quotidien les gérants qui façonnent cette classe d'actifs. Dans cet épisode, il livre une lecture lucide (et sans tabou) du marché, des changements en cours et des clés pour investir avec plus de discernement.Découvrez :Pourquoi les fonds de private equity ont tant de mal à sortir de leurs participations, et ce que cachent les DPI qui s'effondrent.La vérité derrière les fonds de continuation, les fonds zombies et les méga-fonds.Pourquoi la performance passée n'est plus un indicateur suffisant et ce qu'il faut regarder à la place.Les conseils concrets de Pierre-Marie pour sélectionner un bon fonds et piloter son cash management.Bonne écoute ! Des ressources pour approfondir : Pourquoi et comment investir dans le private equity en 2026 https://sapians.com/blog/pourquoi-et-comment-investir-dans-le-private-equityLes 5 règles d'or pour investir en private equity https://sapians.com/blog/5-regles-pour-investir-en-private-equityFonds de continuation : guide complet pour comprendre ce mécanisme du private equity https://sapians.com/blog/fonds-de-continuationInvestir en private equity secondaire : fonctionnement, avantages, stratégie https://sapians.com/blog/private-equity-secondaire-----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Got questions? Send Ericka a Text!Prop 56 is on the way out, and if your practice depends on Denti-Cal reimbursements, the impact won't be theoretical. I'm joined by Adriana, a seasoned dental billing pro who's built her reputation on getting Denti-Cal approvals by mastering what most offices miss: the documentation details, the authorization sequence, and the fine-print rules that don't show up in generic trainings. We talk candidly about what changes when add-on payments disappear and why offices that rely on Denti-Cal as their “bread and butter” need a plan before fee schedules snap back to lower base rates. We also break down the real Denti-Cal workflow for major treatment: how to think about the TAR process, what a NOAA is, why the DCN matters, and how a CIF fits in when Denti-Cal asks for more information. Adriana shares practical experience on authorizing complex cases like root canals with post and core buildups and crowns, plus why “just bill it like a PPO” is a fast track to denials. You'll hear the specific habits that help approvals come back faster, including the right x-rays, clear narratives, and knowing when the “safe route” is smarter than bundling everything at once. Finally, we get into the stuff that saves offices from painful surprises: emergency code misuse that can trigger scrutiny, provider-specific authorizations that may need deletion before another office can treat, and why eligibility checks must go deeper than a simple “eligible” status. We also highlight missed opportunities like disability-related time billing that often gets denied without the right narrative, even when the patient's aid code suggests coverage. If you work Denti-Cal claims, verify benefits, or manage a Medi-Cal patient base, this is the playbook you'll want open on your desk. Subscribe for more practical dental billing guidance, share this with a teammate who fights denials every week, and leave a review if these Denti-Cal breakdowns help your office. What's the most confusing Denti-Cal denial you want us to tackle next?Download "The Most Underused Codes in Dentistry - And How to Get Them Paid" checklist here:https://docs.google.com/forms/d/e/1FAIpQLSfxnnfSlNd0NPhMoBWq-1D_xU5R8LS4xPhHNKIjfLQwStOUag/viewform?usp=headerRegister for the free one-hour webinar on Wednesday, April 29, 2026, here:https://us06web.zoom.us/meeting/register/ABKZUAxNQEynSqUET8SwAgSchedule a billing chat with Ericka:https://calendly.com/ericka-dentalbillingdoneright/30minDM Ericka on Instagram to join the wait list for Elevate Billing & Coding:@dental_billing_coach Email Ericka:ericka@dentalbillingdoneright.comEmail Jen:jen@dentalbillingdoneright.comGrab the Hygiene Billing and Coding Playbook Here:https://stan.store/hygieneunlockedEmail Ed:ed@dentalbillingdoneright.comSchedule a demo with MaxAssist to unlock scheduleing potential here:https://maxassist.com/book-a-demo-fortune-billing/Perio performance formula: (D4341+D4342+D4346+D4355+D4910)/(D4341+D4342+D...

Dans cet épisode d'OVNIs, Matthieu Stefani reçoit Timothée Boitouzet, un entrepreneur à la croisée de l'architecture, de la science des matériaux et de la deeptech. Ancien architecte passé par les plus grandes agences internationales, Timothée raconte comment une obsession simple — repenser les matériaux de construction — l'a conduit à créer Woodoo, une technologie capable de transformer le bois à l'échelle moléculaire pour en faire un matériau plus performant, durable et compétitif que le béton ou l'acier .Au fil de la discussion, il dévoile les coulisses d'une aventure entrepreneuriale hors norme : années de recherche, incompréhension initiale des investisseurs, financement à contre-courant et vision long terme dans un secteur encore peu exploré. Entre science, industrie et ambition climatique, cet épisode explore comment une innovation radicale peut émerger loin des sentiers battus et redéfinir les fondamentaux d'une industrie mondiale [00:00:00] Introduction & contexte OVNIs[00:00:20] Découverte express de Timothée avant l'épisode[00:01:08] Présentation de Woodoo et du concept[00:02:06] Une idée trop en avance pour les investisseurs[00:03:02] Transformer le bois en matériau du futur[00:04:09] Parcours : du Japon aux grandes agences d'architecture[00:05:02] Le déclic : repenser les matériaux du 21e siècle[00:06:11] Pourquoi le béton est un problème majeur[00:07:02] Harvard et la science des matériaux[00:08:02] Apprendre la chimie en partant de zéro[00:09:02] L'environnement unique des labos US[00:10:02] Modifier le bois à l'échelle moléculaire[00:11:02] Quels bois utiliser : peuplier, bambou[00:12:02] Ressources forestières et enjeux écologiques[00:13:02] Process industriel de transformation du bois[00:14:02] Applications concrètes dans la construction[00:15:02] Financement public et adoption industrielle[00:16:02] Battre le béton par le prix[00:17:02] Limites actuelles et cas d'usage[00:18:02] Pourquoi rester focus[00:19:02] Le problème des architectes aujourd'hui[00:20:02] Performance des bâtiments expliquée[00:21:02] Pourquoi le bois est clé pour le futur[00:22:02] Un marché colossal à transformer[00:23:02] Les défis de la deeptech[00:24:02] Développement produit et industrialisation[00:25:02] Inspiration asiatique et matériaux alternatifs[00:26:02] Les années difficiles de la startup[00:27:02] Financer sans investisseurs[00:28:02] Construire avant de lever des fonds[00:29:02] Rôle des prix et de la visibilité[00:30:02] Premiers sites industriels[00:31:02] Lever des fonds après la preuve[00:32:02] Vision long terme[00:33:02] Scaling industriel[00:34:02] Conclusion & perspectives

Serial entrepreneur, investisseur deep tech et ardent défenseur de la souveraineté européenne, Charles Beigbeder, ingénieur aérospatial de formation, a construit l'une des trajectoires les plus singulières de l'entrepreneuriat français, de l'intégration de satellites chez Matra à la fondation d'Audacia, maison de private equity qui gère aujourd'hui près d'un milliard d'euros d'actifs.Dans cet échange passionnant, Charles Beigbeder nous raconte :Comment il a bousculé deux marchés en situation de quasi-monopole, le courtage en ligne avec Selftrade, puis l'énergie avec Poweo, en profitant des grandes dérégulations européennesComment il a fait pivoter Audacia vers la deep tech en créant des fonds hyper-spécialisés là où il n'en existait aucun (le quantique, le New Space, la décarbonation)Sa vision sans détour sur l'Europe, sa souveraineté technologique et le retard criant de l'épargne européenne face aux AméricainsSes conseils aux investisseurs pour sortir du faux dilemme performance vs. impactBonne écoute ! Ressources complémentaires pour aller plus loin : Business Angel : guide complet pour investir dans une start-up https://sapians.com/blog/business-angel Cession d'entreprise : tout ce que vous devez savoir https://sapians.com/blog/cession-entrepriseComment investir et protéger 1 million d'euros d'héritage ? https://sapians.com/blog/investir-1-million-deuros-heritageLes clés pour investir en venture capital ou capital-risque https://sapians.com/blog/investir-venture-capital-ou-capital-risque-----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Dans cet épisode d'OVNIs, Matthieu Stefani reçoit Adam Lasri, partner chez Yellow, le fonds qui veut redéfinir le pré-seed. Dans un marché saturé d'argent mais pauvre en vrai support, Yellow mise sur l'accompagnement ultra-opérationnel : structurer la vision equity, préparer la série A, et ouvrir les bons carnets d'adresses dès le jour 1. Leur secret ? Une team hybride d'ex-investisseurs et de fondateurs, des tickets de 400 k€ qui font la différence, et une approche « founder-first » à la vitesse d'un startup sprint.Adam partage aussi sa vision du jeu : en pré-seed, tout repose sur l'équipe, le “why” et la vitesse d'exécution. Le reste — produit, marché, traction — vient après. Yellow scanne 2 000 projets par an pour n'en creuser qu'une poignée, avec un seul but : être le premier à dire “oui” aux entrepreneurs les plus ambitieux. Un épisode qui mêle clairvoyance, énergie et méthode, parfait pour ceux qui veulent lever mieux, plus vite et plus intelligemment.[00:00:00] Définition du pré-seed et philosophie d'investissement de Yellow[00:02:30] ADN du fonds : ex-Atomico + ex-Glovo, approche opérateur-investisseur[00:04:25] Post-bulle VC : moins de Série A/B, focus 0→1 et vitesse d'exécution[00:06:30] Agnosticisme sectoriel, cas concrets Paladin & Wordsmith.ai[00:09:30] L'avantage d'un founder-led fund : empathie, réseau, playbooks[00:12:30] Process Yellow : 2 000 founders/an, décisions en 48 h[00:20:00] Ce que l'équipe cherche : intentionnalité, storytelling, ambition[00:34:00] Atomico vs Yellow : capital power vs accompagnement terrain[00:40:00] Le rôle du “first believer” et la relation long terme avec les founders[00:43:00] Focus Europe continentale : France, Sud, DACH, potentiel post-2017[00:46:00] Les red flags : manque d'énergie, absence de grit ou d'ambition[00:51:00] Anti-portfolio & leçons d'humilité : Back Market, Conto[00:57:00] Culture de l'exécution : comment détecter les “warriors” sans track-record[01:02:00] Les offsites Yellow : communauté, partage, ROI humain[01:12:00] Monter un fonds = monter une boîte : patience, karma et brand building

ℹ️ Retrouvez les informations clés de cet épisode dans un guide condensé sur la succession, à télécharger en PDF : https://sapians.com/guide-successionPercevoir un héritage, ça ne s'improvise pas. Les délais sont courts, les décisions sont lourdes, et personne ne vous remet spontanément le mode d'emploi. Quatre mois avant que créanciers et co-héritiers puissent vous forcer la main ; six mois pour régler les droits de succession. Et entre les deux, des choix que beaucoup regrettent d'avoir mal faits. Dans cet épisode, Souleymane-Jean Galadima, cofondateur et CEO de Sapians, partage une feuille de route concrète et actionnable pour percevoir un héritage avec le moins de complications possible. Découvrez :Les 5 décisions fondamentales à prendre dans les 6 premiers mois et les délais légaux à connaître pour ne pas se retrouver pris de court.Les 3 choix qui s'offrent à vous en tant qu'héritier et leurs impacts pour votre patrimoine personnel.Les pièges bancaires, fiscaux et familiaux qui transforment une succession en cauchemar.Immobilier locatif, entreprise avec salariés, holding familiale... comment gérer l'urgence quand le patrimoine est complexe ?Ce que vous pouvez faire dès aujourd'hui, de votre vivant, pour ne pas laisser ce fardeau à vos enfants.Bonne écoute ! Des ressources pour approfondir : Transmission d'entreprise : 5 stratégies fiscales à connaître https://sapians.com/blog/transmission-entrepriseIndivision successorale expliquée : fonctionnement, droits des héritiers et risques à anticiper https://sapians.com/blog/fonctionnement-indivisionLe calcul des droits de succession, le guide pour tout comprendre https://sapians.com/blog/calcul-droits-successionComment bien rédiger sa clause bénéficiaire ? (Assurance vie, PER assurance) https://sapians.com/blog/clause-beneficiaireDonation-partage transgénérationnelle : comment transmettre directement à vos petits-enfants ? https://sapians.com/blog/donation-partage-transgenerationnelle-----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Investir en actions, ce n'est pas juste choisir entre le CAC 40 et le S&P 500. Derrière chaque indice, il y a des entreprises de tailles très différentes avec des logiques, des risques et des opportunités qui ne se ressemblent pas.Dans ce Focus Marchés, Aurore Perrin reçoit Nour Bendimered, Directeur des Investissements Marchés Financiers  chez iVesta, pour comprendre les enjeux propres aux segments small, mid et large caps et savoir composer son portefeuille avec discernement.Dans cet épisode, vous découvrirez : Quelles sont les vraies différences entre small, mid et large caps ?ETF ou gestion active : est-ce que le choix change selon la taille des entreprises ?Comment intégrer ces différents segments dans son portefeuille, et dans quelles proportions ?Small et mid-cap européennes : potentiel de surperformance réel ou idée reçue ?Moins d'IPO, plus de private equity... Les marchés cotés se vident-ils ? Qu'est-ce que ça change pour un investisseur ?Bonne écoute ! Quelques ressources pour aller plus loin : Comment choisir un ETF ? Découvrez nos 5 conseils ! https://sapians.com/blog/comment-choisir-un-etfQuel ETF choisir pour une allocation performante et résiliente ? https://sapians.com/blog/quel-etf-choisirGestion Passive vs Gestion Active : comment mettre en place sa stratégie d'investissement ? https://sapians.com/blog/gestion-passive-vs-gestion-activeComment fonctionne un ETF ? https://sapians.com/blog/fonctionnement-etf -----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

E se la fisica quantistica illuminasse il corpo risorto? Faggin, i Vangeli e un dialogo vertiginoso tra scienza e teologia.In questa puntata metto in dialogo il quadro CIF di Federico Faggin (Coscienza, Informazione, Fisico) con i racconti evangelici della resurrezione. Un corpo che attraversa le porte chiuse ma mangia pesce. Una seity che non muore ma si risveglia a una coscienza più vasta. E le apparizioni del risorto come struttura comunicativa che rispecchia il problema fagginiano dei qualia.Tre incontri tra due sistemi di pensiero radicalmente seri. Non per dimostrare nulla, ma per vedere dove i linguaggi si incontrano e dove si separano.Esploro: il principio "il più non può venire dal meno", la distinzione tra spazio-C, spazio-I e spazio-F, la morte come risveglio, e la pretesa di unicità della tradizione biblica che nessun framework può né confermare né smentire.Ascolta "La mia vita spaziale": Spotify, Apple Podcast, YouTube: www.andreabrugnoli.click/podcastGuarda il video completo: https://youtu.be/CnmLEQrMhbICommenta su Telegram: www.andreabrugnoli.click/telegramLascia una recensione Google: www.andreabrugnoli.click/stelline Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/la-mia-vita-spaziale--2578955/support.© Andrea Brugnoli – Tutti i diritti riservati.

Pionnier de la finance solidaire depuis près de 40 ans, France Active est bien plus qu'un réseau : c'est un mouvement d'entrepreneurs engagés dont l'ambition est de bâtir une économie plus inclusive et plus durable. Présent sur l'ensemble du territoire avec 35 associations territoriales et près de 900 collaborateurs, France Active opère à la fois comme société de garantie, sous contrôle de la BCE et de la Banque de France, et comme société d'investissement, avec 491 millions d'euros mobilisés en 2024 au profit de plus de 37 000 entrepreneurs.Dans cet épisode, nous recevons Denis Dementhon, Directeur Général de France Active depuis 2015 pour comprendre comment la finance solidaire peut aider les épargnants à donner plus de sens à leur argent.Au programme :Pourquoi la finance solidaire mérite d'être mieux connue par les épargnants et les investisseursL'ADN de France Active, sa mission et des exemples concrets d'entreprises accompagnéesLes mécanismes qui permettent de financer des projets à impact : garantie, épargne solidaire, fonds 90-10, critères de sélection…Les critères de Denis pour évaluer un investissement à impact et éviter ceux qui s'apparentent davantage à du socialwashing (ou greenwashing).-----------------------Quelques ressources pour aller plus loin : Que savoir avant d'investir dans les énergies renouvelables ? https://sapians.com/blog/investir-dans-les-energies-renouvelablesFonctionnement d'un fonds d'investissement et d'une société de gestion https://sapians.com/blog/societe-de-gestion-fonds-investissementRéaliser un audit patrimonial : pourquoi ? Comment ? https://sapians.com/blog/audit-patrimonial-----------------------Attention : Ceci est une communication publicitaire. Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

En France, l'éducation financière ne s'apprend pas à l'école. Et certains en profitent : frais invisibles, rendements sur-vendus, avantages fiscaux qui masquent de mauvais investissements... les pièges sont nombreux, et ils touchent même des investisseurs expérimentés.Dans cet épisode, Étienne de Saint Germain, family-officer chez Sapians, passe en revue les principaux signaux d'alerte à repérer avant d'investir dans un mauvais placement.Au programme :Ce que cache réellement l'accès “grand public” à certaines classes d'actifs historiquement réservées aux institutionnels, comme le private equity.Les coûts cachés qui peuvent se dissimuler derrière des offres présentées comme "sans frais"Comment un avantage fiscal peut vous faire perdre bien plus que ce qu'il vous fait économiser.Rendement élevé et risque "limité" : comment décrypter ce qu'on vous vend réellement.Les réflexes à adopter pour mieux juger une opportunité d'investissement.Bonne écoute ! Des ressources pour approfondir : Comment choisir un ETF ? Voici les 5 conseils de Sapians https://sapians.com/blog/comment-choisir-un-etfDette privée en Europe et aux États-Unis : quels fonds privilégier ? https://sapians.com/blog/investir-dette-priveeProduits structurés : guide pratique pour investir et éviter les principaux pièges https://sapians.com/blog/produits-structures-pieges-et-investissementInvestir en club deal : avantages et inconvénients https://sapians.com/blog/club-deal-avantages-inconvenients-----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

Today on the IC-DISC Show we're talking with Gordon Driscoll. Having spent his early career at Goldman Sachs investing tens of millions into metals companies, he kept noticing they were running their operations on Excel spreadsheets and software from the 1980s. That gap became Green Spark, a cloud-based platform now in over 900 scrap metal recycling locations. In this conversation, Gordon talks about what it took to break into an industry where relationships go back generations, why he thinks most business owners are thinking about software wrong, and how his team earned credibility by acting more like a partner than a vendor. He also shares a customer story that stuck with me about a scale operator who got his first lunch break in six years. Whether you're in scrap or not, Gordon's thinking on sustainable growth, earning the right to disrupt, and treating technology as a competitive advantage rather than a cost center is worth your time.     SHOW HIGHLIGHTS Why a Goldman Sachs investment banker left finance to build software for scrap yards The massive technology gap Gordon kept seeing in companies handling tens of millions in materials How Green Spark grew to 900+ locations by acting like a partner, not just a vendor The customer story about a scale operator getting his first lunch break in six years Why Gordon believes you have to earn the right to disrupt an industry, and what that looks like in practice The mindset shift from treating software as a cost center to using it as a competitive advantage   Contact Details LinkedIn - Gordon Driscoll LINKS Show NotesBe a Guest About IC-DISC AllianceAbout Green Spark Software   Gordon DriscollAbout Gordon TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Gordon: And I think that a lot of folks, candidly, just because they're not used to either our model or what technology can do today, they don't realize, which is changing, they still view software as a cost center. And ultimately the tools that we're seeing and the applications that we are pushing to the industry, a lot of our customers view as a competitive advantage. Dave: Good morning, Gordon. So where are you calling in from today? Gordon: Hey, Dave. Appreciate you having me on. I'm in Brooklyn, New York today. Dave: Oh, okay. That is great. So I must say, I know a lot of folks in the scrap metal industry, service providers, yard operators, brokers, but you seem to have a particularly unique background. So why don't you tell the story from the time you graduated college? Sounds like you spent some time in investment banking in New York. And what caused you to have this epiphany that you wanted to go provide software in the scrap metal industry? Gordon: Yeah, no, of course. It's worth an explanation because looking at my background on paper from finance to scrap software, it doesn't make much sense. So yeah, started my career in financial services, spent a few years in investment banking at Goldman Sachs and then moved into private equity investing, but all of that centered on natural resources, broadly speaking, but specifically the metals industry. So spent a lot of time up and down the value chain, anything from box site refineries in Australia to working with the biggest mills in the country like Cliffs or JW Aluminum or things of that nature. And then in the investing side, spent really just as much time on what I'll call the kind of conventional resource as I did the technology. And I quickly realized the businesses that we were at times giving tens of millions or hundreds of millions of dollars were either using Excel spreadsheets to run their business or platforms that were based in or founded in the '80s, '90s and 2000s, and ultimately saw similar patterns in the recycling industry. And by no means is using a system like that wrong by definition or inherent, but ultimately saw a massive opportunity to bring an industry that is deceptively huge that no one really pays attention to outside of the folk in the industry and folks who we saw it when we started in 2020 who are quite literally essential workers, bringing that technology to them. And it's been an awesome six years. It's been very exciting. I think that what we wanted to do, clearly the market has responded well, which I'm sure we will get into. And what's really exciting for me is not only working with the folks in this industry on a day in and day out basis, and I can talk to my relationship to the industry and general thoughts, but also specifically as technology has not really progressed linearly over the last couple years, but obviously I had some step changes with AI, being able to innovate alongside this industry and partner with our customers to bring those step changes to an industry like this. It's been super exciting. Dave: Now, well, thank you for that background recap. So let's talk about the founding of the company. So where did the name come from, Green Spark? Gordon: Yeah, great question. I unfortunately can't take credit for it. That has to be my co-founder, but we wanted to pay respect to where the industry came from in addition to one of the overlooked elements of the industry, at least from a public perception per perspective. So green in and of itself is a call to, this is the sustainability of the industry. Again, I think that metal recycling is done, especially around the work that Rema's done has done a great job over the last couple years with, let's say, public perception and really educating folks on not only the importance of this industry, but the benefits of the industry from an environmental perspective, hence the green. And Spark actually comes from something that folks used to do without XRF analyzers or without technology. And the irony is not lost on me. So 50, 60, 70 years ago, and still obviously doable today, when you spark different types of metals, the color of the spark actually denotes the greater the quality. So a yellow spark versus a red spark. So again, we wanted to, again, combine the importance of the industry with a callback to what folks used to do without all of this new technology. Dave: Okay. No, well, thank you. I was really curious about the name, and that makes a lot of sense. It's both looking at the future and still remembering the past of the industry. I like that. So you and your co-founder, did you all bootstrap this or did you tap into some of your investment banking contacts and raise money? Gordon: Yeah, so we started that way and quickly realized to do what we wanted to do at the pace that we wanted to do it would require outside capital. So yeah, we ended up talking to folks in our network in addition to capital partners that not only understood what our thesis was, which is, again, it's relatively straightforward. At GreenSpark, we want every single scrapyard and metal recycling facility on planet Earth to use our platform. It's not necessarily easy, but it is straightforward. And we realized the kind of pace that we wanted to move. And candidly, given what customers are used to in this industry, i.e., One platform that spans a large part of their business, in addition to the dynamics in the industry, which is us against folks who have been here for 20, 25, 30 years who have lazed the trail for folks like us, we realized to close that gap, we wanted to partner with folks with the capital to scale the team and scale the product relatively quickly. Dave: Okay. Yeah, that makes sense. So what, and I don't want to get too technical, but I do want to get technical enough for this to make sense. So what was the differentiator or the different approach you were taking? I'm guessing you're cloud-based instead of on- premise. Is that a safe assumption? Gordon: Yeah, 100%. And yeah, I won't get too in the weeds, but I also think it's important to understand what our thesis was. Back then, what's changed over the last couple of years just given what's happened in technology? So yeah, I think from the jump, there are a couple just clear reasons why we felt good about the idea so far. Number one, we are entirely web-based. And I think importantly, we are web or cloud-based fully natively. So rather than trying to either acquire a business that's already been existing or partner with an existing software in the industry, we built everything from the ground up. It's entirely cloud-based. And I think that outside of the benefits just to this industry, really what we've seen resonate is one, the mobility of a platform like this. So the way that we describe it is every single time you touch the material, it costs you money. So if you can distribute technology and bring it closer to the material, things like scanning licenses right from your phone, things like mobile grading and inspection, things like cloud-based driver apps. You're able to cut down on those costs because you're actually bringing technology to the material, not the other way around. Number two is integrations, increasingly, which to zoom out a little bit is certainly not true two decades ago, but was true five or 10 years ago. Increasingly, customers like ours don't have the overhead to have a full-blown IT team to have developers on staff, and you're left with a bunch of one, either one system that can't do everything perfectly. So you have one system that other does stuff well, or you have a bunch of these disconnected systems that we call it this latent integration tax. It's not something that kind of hits you over the head, but when you have four or five or six systems, you have folks spending hours a day reconciling data between those two systems, making sure that you can get information from one to the other. And from day one, GreenSpark was really built as the modern connector in the industry. And again, back to our thesis, getting in every single scrapyard in the world, we want to focus on what this industry needs, and we want that focus to be super narrow. And if someone does something better than us, we just want to integrate with it. So whether it's native integrations with ERPs like QuickBooks and NetSuite and Microsoft Dynamics or CRMs like HubSpot and Salesforce or even, I don't know, things like Google Maps, which kind of auto completes address and powers live navigation directly in the driver app. I'd say folks are using more technology generally speaking versus less. And what we want to do is make sure that all of those systems can push and pull in the right places together versus either having our end customer do it or having our end customer require resources to connect those systems manually. Now, over the last year or two, a lot of that's changed with the admin and increasingly the maturity of artificial intelligence. And I think that's where this gets really exciting. Obviously being built on a fully cloud-native tech stack allows us to leverage that technology very quickly. And I think that the way that our team is set up, not just on the technical side, but also on our customer facing side, our ability to rapidly iterate with our customers and rapidly get feedback from our customers on how we're applying things like AI and Agentic AI to their workflow has been really invaluable over the Dave: Last year or two. Well, that is, boy, I've got a bunch of questions. So that's great on the native interoperability or interconnectivity with other apps, but help me understand the ... Because I've seen some companies in this space that maybe have focused on trying to have as much native to the app as possible. So try to do financials within the system and other things. So give me a sense of how you describe the core features of the product and where it ends and where an integration with an ERP CRM or financial software fits in. Gordon: Yeah, that is a great question. That line always changes based on what our customers want to do, but at its base, we want folks running their entire business out of GreenSpark. The way we think about it outside of the integrated GL that is on the come, which I can touch on later, is that we want to be the customer's operational system of record. So everything that they're doing on a day-to-day basis from receiving, paying, managing inventory, managing contracts, customers, outbound shipments, invoices, documentation, both over-the-road dispatch and exports and logistics tracking, in addition to our reporting suite, we want all of that to happen directly in GreenSpark. Now, to be clear, that obviously comes with the obligation, honestly, or the need to ensure that the operational and financial systems of record move in lockstep. So again, wherever someone is already working in an accounting system or a CRM, we want to push and pull data to and from those systems, but we want to really cover as much of that workflow as possible. The product has expanded both in breadth and in depth recently, and I think that there is a desire in this industry to have everything under one hood, not just from the product capability side, but folks in this industry are used to and want to work with people that they trust and that they can rely on. And I think a really important part of anyone, especially as a relative outsider, like either our business or me personally, I think it's the obligation of any vendor in this industry to emulate how the industry operates. So outside of just product capabilities, a lot of folks want to, again, work with teams that they trust and teams that they can rely on, teams that they can pick up the phone and talk to if something's wrong, which is something that we spend a lot of time and resources doing. Dave: Okay. So let's say, and this may sound like a hypothetical question, but I see it all the time where there's consolidation in this industry that's been going on for 20 years, yet the total number of scrap yards out there seems to keep increasing. And from my own personal experience, it's because some small yard gets acquired by a big company, the people who sold get disappointed with how the integration of everything works. They get through the earnout, they set out a non-compete, and then it seems like there's two more scrapyards that populate from every one that's sold because one group goes off and starts one and one another. So say somebody was starting an operation from scratch and they said, Gordon, we want to do as much in Greenspark as we can. Can you all do financials? Can you function as a CRM? Could they really run the entire business just in your single product suite? Gordon: Yeah, 1000%. We like to ... So it's funny you mentioned that. We've seen the same thing. We probably onboard what we call startup yards. We probably onboard eight to 10 of those a quarter, which really speaks to the just kind of organic growth in the industry, broadly speaking. And the way we market it is it's you and GreenSpark. Those are the two almost full-time employees at the business as you get this off the ground, you can run everything within GreenSpark. Typically, a yard like that will use something like QuickBooks, and especially for yards that are starting out, we try to be as consultative as possible because there are so many moving pieces. And candidly, in many respects, internally, we are still a startup and we know what it's been like to see the cash in, cash out every single day to have way more problems than what you do with when you're starting a business. So candidly, we love working with folks like that, and we try to extend our reach from anything from software to the scales and cameras that you should be getting, connecting that yard with other folks in our network. But to answer your question, again, we are typically the kind of second employee that folks hire because it's such a comprehensive platform that you can run your entire business out of. The other thing that I think that folks have really benefited from is process standardization. What we try to do at GreenSpark is not only give you the tools to succeed, but really the best practices, standard operating procedures and workflows built around our product that have been hardened by hundreds of customers throughout the industry. So whether it's staying on top of inventory, working the kind of physical flow of the yard out when you're going to get different pieces of information to keep trucks moving. And ultimately, what folks in that scenario should be looking at on a day-to-day, week-to-week and month-to-month basis to understand the trends in their business, we try to make that as out of the box as possible versus just giving you a set of tools and saying, "Hey, go ahead and figure it out. " Dave: No, that does make sense. Okay, that's a good overview. What's your iteration cycle like? How often are you doing point releases, major releases? Gordon: Yeah, great question. I think that again, this is one of the biggest differences between us and some of the other folks, or said another way, this is one of the main benefits of being a more modern player. We're releasing daily. So literally four or five times a week, we will be releasing new updates on the platform. Sometimes you'll never know. It could be increasing storage for image capture. Other times, you 100% will. About two weeks ago, we released a fully new module that includes live container tracking for your export containers. So if you're shipping on a CIF or a CFR basis, you can see in real time where that container is on the water with live ETA updates. So we don't need to get too deep into that use case, but I think it's a good benchmark for what those releases look like. We have the ability to obviously turn on or off any of those changes for any of our customers. Change management is obviously a huge part of the industry, broadly speaking, and obviously customers' relationships with technology. So said another way, we don't really try to change for change's sake, especially when folks are running their business in very well-defined workflows. So we're really big on communication upfront for what's going to change, if anything is going to change. And we have a really robust early access period where we'll work with, in that example, we'll identify folks who are already shipping on a CIF or CFR basis, trial that live container tracking, let's say, with 20 or 30 folks beforehand before we roll it out to the rest of the group. So we like to push updates quickly, get feedback early, and then ultimately give the users or our customers the agency to opt in or opt out based on what's most important to them. Dave: No, I can really appreciate that update frequency. I've been for about five years owner of one Tesla or another. And one of the things I really appreciate is the frequent software updates. I've also owned Rivians and they also are very good. But when you compare that to the legacy automakers, they just can't do the most basic over the air update. You have to bring your car into the dealership. And so I can appreciate the benefit of that rapid iteration. So talk to me about customer support. What kind of metric and process do you all have? If a customer has an issue, how do you triage the importance of it? How do you escalate it? What's the metrics you use for response times? Just whatever there you're comfortable discussing. Gordon: Yeah, no, that is a great question. I'd say a couple things. As I mentioned, vendors in this industry need to emulate how the industry operates and people operate in different ways. Some folks want to figure something out themselves. So we have a really robust help center within GreenSpark that has over 120 articles on how the product works. That's paired with a full online academy. So we like to get ahead of any support questions by giving folks the tools they need to succeed and equip them with as much information as possible. That said, whether something goes wrong or whether they need to talk to someone, we want to create every channel available. So whether it's phone, email, or our in- app messenger, some folks don't want to speak to someone, some folks do. So we want to make sure that we're really meeting our customers where they are, depending on what they are used to. I'd say overall for support, a lot of folks in this industry and a lot of folks in software generally speaking, always look at response time. They say, all right, yeah, we want to get back to everyone within a minute or two, or we pride ourselves on acknowledging you. That's obviously important. And our response time is under a minute. It's about 56 seconds these days. So we do want to obviously emphasize that. We care about resolution though because folks don't want to be talked to. They want their problems to be solved. So the main kind of success metrics we look at on the support side, outside of just saying, "Hey, I'm seeing what you're seeing as well," which is an important part of it. We really focus on the overall resolution. We also really focus on transparency. No one wants to shoot a message or shoot an email into a black box and not know where they stand. So average response time is under a minute. If something is wrong, we typically try to keep folks updated every 15 or 20 minutes, especially if it's a critical issue. And our average resolution time is just under an hour as well. So really trying to focus on the kind of outcome in addition to making sure that folks know exactly where they stand. Dave: Okay. Wow, I don't know the numbers from the other companies, but that seems pretty remarkable. So I've been in this industry for about 20 years and I've been going to the REMA conferences for about that long. And it seems like when I go walk the trade show at REMA, that it seems like there's just a software company on every row. And so I'm curious, I would've been, if somebody asked me, "Hey, I want to start a software business or company for the scrap industry," I would've said, "Wow, it seems super crowded, lots of competition, doesn't seem like a great place." What was the opportunity you saw that what I would call a crowded space didn't scare you? Gordon: Yeah, that's a great question. I think, again, back to the original thesis, just given the vintage of our software platform relative to others, I think that at a super high level, we felt really good about our inherent competitive advantage given our modern tech stack, the ability to leverage web-based integrations, the ability to leverage the mobility that other folks candidly structurally can't do given their tech stack and given how they're set up as a business. And again, no disrespect to anyone else in the industry. The way that I think about it is they've done a lot of the heavy lifting of educating the market on the benefits of technology and candidly taking this industry from spreadsheets and DOS systems into the 21st century. But I think that there are, as I mentioned, a lot of different ways to differentiate in this industry. And I think that especially with older products, you're never in a good spot if you are a dynamic business and Scrap is a very dynamic industry using a static software product because inherently the software that you're using or the technology that you're using is not going to be able to adapt to the changes in the industry that you require as a very dynamic business. Now, over the last couple of years, obviously with artificial intelligence and what folks can do with AI, that's opened up a multitude of possibilities on how folks can use that in their business. And it's a really interesting space, I think, in the market because everyone I talk to, whether it's someone like you, whether it's the owner's son who might be taking over the business or it's a 76-year-old truck driver, it seems like everyone's used ChatGPT or some sort of tools. It could be anything from analyzing their mortgage to asking what the weather's going to be tomorrow. But I think that's a fundamental difference between, let's say, cloud computing, which has happened over the last 10 or 15 years and what's happening now. And the reason I bring that up is there are so many advantages to using AI, not just every day, but for core business applications. Folks are used to these technologies given, I don't know, they've been in the news for the last two straight years, and if folks can use them for consumer applications, and all of those advantages really accrue asymmetrically to a platform like us. So I think when you think about the kind of advantages and it being a relatively crowded market, we view things a little bit differently because when you look at the market itself, yeah, there are a lot of players and that was born out of regional and territorial compliance differences, obviously founders relationships with folks in specific territories. But when you look at businesses that can leverage that technology that you can reliably think you can use in 2050, not 2027, and folks really are thinking that long-term in this industry, given these are generational family businesses or folks are in this for the long haul, we feel really good that the number of prospective players that you could reasonably think could run your business in 2050 is actually much smaller than the overall market. Dave: Yeah. So whereas a layman, I saw crowded market, you saw market ripe for disruption, bottom line. Gordon: Yeah. And I think people love to think about disruption in technology. And I think that the way that I think about our product and what we're looking to do, you need to earn the right to disrupt an industry. And I think that we tried to come in with a lot of humility and a lot of respect for the industry. We wouldn't have succeeded if we came in and said, "Hey, I read a 50-page PDF report on the scrap industry. You guys are doing it wrong. Here's GreenSpark." That's obviously not going to work at all. So I think that what we really try to focus on again is meeting folks where they are, evolving their workflow and then being very targeted in places for disruption. So for example, let's take dispatch. Folks are used to either a whiteboard or an Excel spreadsheet or they're using some system that might not have capabilities for a mobile driver app or candidly doesn't have the power with respect to dispatch to scale integration or a modern load board where you can drag and drop trips around. That I would say is evolving someone's workflow from what they're used to to using GreenSpark. By the same token, our dispatch AI agent actually integrates directly with folks' emails and phone systems to collect that information and autonomously create tickets on user's behalfs that all they need to do is approve, modify, or reject that dispatch request. That's what I would say is something that is disruptive to that yard in a very positive sense. But I think that understanding where to evolve versus where to disrupt given what the industry's used to is a really important part of the story as well. Dave: Okay. No, that is very helpful. And it looks like you have a milestone occurring next month. Is it your five-year anniversary? Gordon: It is my five-year anniversary. So yeah, sorry, go Dave: Ahead. So I'm just curious, how's it going? Have you been able to get even one customer? How's the thesis worked out for you? Gordon: Yeah, still waiting on number one. No, kidding. Yeah. So as I mentioned, a lot of work's gone in and the market's responded, I'd say very well so far. We're in over 900 locations right now, primarily in North America, but also internationally with yards of every shape and size. So we work with folks who are doing 50 or 60 transactions a day on the retail side up to anything from 400 to 500. We have folks who are buying specifically from dealers. We have folks who have both demo and scrap operations. We have folks who have 35 locations up and down the Eastern seaboard. So it's a really fun position to be in to have access to the feedback that we have in terms of what direction to take the product. And our focus is in the overall businesses to continue scaling both with larger customers, providing the best experience for some of our single location operations and then moving internationally. And I think that, again, keeping a really narrow focus just on metal recycling and specifically just on the tools that this industry needs and being able to leverage the integrations to, again, partner with best-in-class accounting softwares, best-in-class route optimization, best-in-class CRMs has allowed us to keep that really narrow focus and serve this industry on what they specifically need, not more generalizable parts of the technology stack. Dave: Okay. No, that sounds great. So what was the question I was going to ask you? Oh, so I know when you shared your business plan with your investors, every business plan always shows the same hockey stick growth, especially in Gordon: Technology, Dave: But your growth rate seems pretty impressive. How close did it come to your projections? Was it close? Were you behind? Are you actually ahead? How's that worked out? Gordon: Yeah, no, it's a great question. And we try to stay away from hockey stick growth like that because what we want to do is, again, we want to grow sustainably in this industry and we want to make sure that, again, we're going to be here for the next four decades, not the next four years. In terms of overall projections, we obviously race to that kind of million dollar revenue mark relatively quickly. I've been able to triple that two years ago and then double that last year. And I think that, again, it's come from the reception we've gotten in the market. It's also come from our ability to scale the team to support that. So whether it's on the engineering side or on the post-sales side, I think that there's a bit of a misnomer in folks' perception of software companies, specifically when it comes to companies with outside investment that people only care about growth. Growth is obviously an important part of the story. Hopefully everyone that listens to this wants to grow their business, but ultimately the software business model breaks if we have a customer for a year. There are high customer acquisition costs in terms of sales and setting up environments, setting up instances, and ultimately our model only works if we have folks for 10, 20, 30 years. And what we try to do is create customers for life very early on in the overall cycle. So said another way, we wouldn't have been able to achieve the growth that we are achieving if our retention wasn't as high, if not higher than our kind of new business growth, and it's something that we probably ourselves on because ultimately our customers are the lifeblood of this business and no one really wants to switch software because it's a pin in the butt. But what we try to do is again, keep those customers for life so that we can grow sustainably rather than continuing to fill a leaky bucket so to speak. Dave: No, that's one of the things I really love about the scrap metal industry. As somebody who's serving that industry like you are and I am, is one that industry tends to be incredibly relationship driven and your reputation is everything in this industry because there's two degrees of separation between every person, at least in the US scrap metal space. It's like two degrees of separation and the relationships people have last decades. I have clients, and I'm sure you do too, where the grandson is buying and selling from the grandson of another company where they've been doing business together for 70 years. And I was in a client's office early on and this guy said, "Hey, I need to take this call." And he just did a deal to sell a million dollar scrap load to somebody. And it was just on the phone call. I'm like, "Oh, do you need a moment to document that? Do you need to get the contract out? " And he's like, "No, it's done." I'm like, "Well, don't you need payment?" Because literally he was like, ship the product five minutes later. He might've called somebody and said, "Hey, ships up so- and-so." I'm like, "Well, what do you mean? You don't have a contract, you don't have a PO, you didn't get payment upfront. How do you know you're going to get paid?" And they're like, "Yeah, because I've been doing a business with him for 30 years and he's reputable and he wouldn't do that. And if he did screw me, he'd be done in the scrap business because I'd just tell Gordon: Everybody Dave: I know. " So I really appreciate that because I've found that if you're a reputable long-term thinking company, it's actually easier to get traction in this kind of industry than a business that's not that way. And they all seem to think long-term, like you said, multi-generational, the relationships last decades. So yeah, so speak a bit more to that from what you've seen as far as the importance Gordon: Of the Dave: Relationships and the reputation. Gordon: Yeah, 100%. I think back to the point about getting blackballed, we always joke, a happy customer tells, I don't know, maybe three people, if we're lucky, pissed off customer tells about a hundred. So by the same token though, I always joke with my sales reps, I don't care how good you are at selling GreenSpark. If David, you owned a yard and you were excited about GreenSpark, you're going to be our best sales rep. So again, back to the retention story, it's a double-edged sword because obviously their reputation is very important in this industry. At the same time, to maintain the growth rates that we've had, this isn't really an industry where if you triple your sales team, you triple revenue because of the network effects and because of the connectivity in the overall industry. And I think that what we really try to pride ourselves on is not just being a software company, but a partner to these businesses. So I already talked a little bit about with startup businesses, we'll consult on scales and cameras and we'll send over EMAC item list so you can get started very quickly. One of our sales reps just connected Azorba buyer with one of our new shredder operations to help grow that business. Over the last three months, we've brokered six different sales of businesses that are either using Greenspark and are looking to sell or are using GreenSpark and are looking to buy in the broader market. So outside of just being a software company, again, as I mentioned, vendors in this industry need to emulate how the industry operates. And I know that I'm probably beating a dead horse with that, but understanding how our businesses operate and trying to be the best partner to them outside of just their technology layer is really important. You'll also see us at conferences, I'm probably on the road two or three times a week, either visiting existing customers or prospective customers, and whether it's our onboarding team getting onsite for go live or same thing with renewal conversations, we try to build that relationship as much as possible because as you mentioned, that's how the industry does business. And I don't think you can be successful in this industry, whether you're buying and selling scrap or selling stuff to folks who do that if that's not core to your overall business model. Dave: No, that makes sense. I can't believe how fast the time has passed. I've just got a couple more questions for you. One is share some things that your clients have told you about why they've been really happy with the software, happy they implemented. What are the kinds of things they say to you? Is it that we really appreciate that your salesman took me out for drinks three different times? What are the things they tell you that they just really appreciate about your company? Gordon: Yeah, that's a great question. It runs the gamut based on different user roles, and it's going to be different whether it's an executive or an owner, an operations manager, a commercial buyer, or someone on the logistics team. But again, typically it is around the people that work here because those relationships are so important. So I think in terms of overall feedback, I'm actually just pulling up, we do what's called a net promoter score. And so we send out ... Yeah, exactly. And I'm just going to read you the last five, honestly. We have one owner feedback of all of these, our last six are all 10s, and the inventory tracking is unbeatable. It's user-friendly and the support team Greenspark has is the greatest of all time. Yeah, we were pretty fired up with that one. Another owner in Kentucky, I like the web-based interface. I also like the progressive attitude the company has in regards to being a leader in the space. Another one out of Texas, it is so easy to use. Another owner out of Texas, the transition was smooth. The assistance for help has been great, and so far the product delivers what was promised. And I think that ... Yeah. And again, these are all of our customers on unprompted feedback when we send these emails out. So I'd say it's a really good example of that. We're getting a lot of traction from a bunch of different people within the actual yard. So anything from, again, the scale operator to the owner is looking at different reports. And I think outside of that, we take a lot of pride in helping the folks on the front lines. We had one customer down in Louisiana, I don't know, about six months ago, we were on site and the operator said to our onboarding rep, "I can't thank you guys enough. This is the first time I've had a lunch break in six years because I can finally manage all the work that I'm doing right, right at the scale." And I'm not naive enough to sit in my ivory tower and think that we're changing the world with a scrap software, but stuff like that really does matter to folks. And making a difference, not just in the overall business growth, but for the people on the ground that are using this every single day is super rewarding. Dave: That is awesome. And then so the last two more questions. One is, so what do you enjoy the most about your role within the company that just gives you the most just enjoyment, satisfaction? Yeah, Gordon: A couple things. I'm just a huge nerd, man. I love commodities. It's the coolest thing ever. The entire world's based on resource scarcity. I think we were talking about this before, whether it's what's happening in Venezuela, what's happening with tariffs, what's happening in Greenland. Everything is about resource scarcity and everything is about being as efficient with the resources you have as possible. So talking with customers, and I think not trying to have the answer all the time, but working with them to solve their problems is really fun. I don't know, two weeks ago, copper ripped to 660, and I was some of our customers first calls. They're like, "Hey, what do we do? How do we respond so quickly? Where in Greenspark can I tie things to benchmark prices so I'm covered? What are other customers doing with these movements?" And I think that it's obviously been an uphill battle, just given you need credibility, you need a reputation in this industry, but over the last six years, getting to know the industry really well, getting to know our customers really well, and candidly, being viewed as a partner in their businesses is really exciting. Internally, ramping new employees is so fun because There's always that moment of like, "Oh, I'm not sure I knew what I got myself into with this whole industry." And I think that a lot of people, whether it's on the technology side or the actual yard side, if you haven't grown up in it, you might not know the, it's called nuances, how business is done, which is super exciting. And then third, on the product side, it's a privilege to be able to not just hear feedback from our customers, but actually be able to deliver them the new technology that we're seeing in the market. Historically, product development has been very bilateral. Customer says, "Hey, I need this field for this reason on an outbound ticket software company, build that field. The field gets built and you can go on in and do your work." The paradigm shift of what we're seeing in AI just changes all of that. So now I get to sit in my seat and pretty much say, "Hey, we can take any document in your business, ingest it, and turn it into something else." Whether it's a rail car notice that we turn into a pending load, whether it's a consumer PO that you can upload and automatically create a sales order. And we get to sit here and I get to have conversations with customers all the time and say, how would you want to apply this new tool or this new technology to your business? Hey, we can use AI material recognition to better understand how good your guys are at grading quality. Hey, we can spin up a voice agent to take phone calls and immediately surface to a buyer if someone has a load over a certain size to sell. Would that be helpful? How do you want this to work? And ultimately, what value do you see to these kind of big new categories of software? It's so fun. Dave: Wow. Yeah, your enthusiasm comes through. So my last question, is there anything I didn't ask you that you wish I had? Gordon: I don't know. I don't think so. I think we're in a really fun spot and I'd say that the folks who are listening to this, what I recommend, especially with new technology is one, obviously keep an open mind, but we have a lot of folks who traditionally approach software transitions or software generally is, do I need to do this or what is the worst that would happen if I went through a transition? And I think that a lot of folks, candidly, just because they're not used to either our model or what technology can do today, they don't realize, which is changing really in real time, they still view software as a cost center. And ultimately the tools that we're seeing and the applications that we are pushing to the industry, a lot of our customers view as a competitive advantage. And they might not love me saying that, but I would because then that'll go away over time. But I would really challenge folks to think about how they can use software and technology as a competitive advantage rather than just a record keeping system. Similarly, how they want their business to run, not just today, but in 2030, 2040, 2050, and really challenge themselves to think whether or not the systems that they're surrounded with can support that. And I think that when folks apply that framework and then take a look at businesses like ours, it becomes a decision that is not super difficult. Dave: Well, I think with that, I think that's a good stopping point. Gordon Driscoll of GreenSpark Software, thank you so much for coming on the podcast. Just a really lot of great information, and I know our listeners are going to enjoy it. Gordon: Awesome. Dave: There we have it, another great episode. Thanks for listening in. If you want to continue the conversation, go to icydiscshow.com. That's icy-DISCSOW.com. And we have additional information on the podcast, archived episodes, as well as a button to be a guest. So if you'd like to be a guest, go select that and fill out the information and we'd love to have you on the show. So that's it. We'll be back next time with another episode of The Icy Disc Show.Special Guest: Gordon Driscoll.

If you want to understand where the energy industry is heading, pay attention to the journalists tracking it every day.Thankfully, we get to sit down with three of the most plugged-in reporters covering the energy transition: Sammy Roth of Climate-Colored Goggles (formerly w/ LA Times), Julian Spector of Canary Media, and Darrell Proctor of POWER Magazine.What signals are shaping the market right now — from capital flowing into new energy projects to grid bottlenecks, AI-driven electricity demand, and the evolving narrative around fossil fuels and nuclear?These are the conversations happening inside the clean energy newsroom.Topics covered:

Laurent Tapie est un serial entrepreneur au parcours qui force le respect. Il a su tracer sa propre voie, se démarquant de Bernard Tapie, son célèbre père, mais sans oublier ses enseignements.A l'école de l'entreprenariat dès son plus jeune âge, il est à l'origine d'une multitude de projets : du football en salle à la révolution des paris sportifs en ligne, en passant par la vente d'or sur Internet et le rachat de crédit, Laurent a le flair pour identifier les opportunités, et ose se lancer avant tout le monde.En 2019, il s'attaque à l'un des défis industriels les plus audacieux du moment : la renaissance de Delage, le mythique constructeur automobile français disparu depuis 1953, qu'il repositionne sur le segment des hypercars : ces voitures ultra luxueuses dont le marché représente moins de 10 000 personnes dans le monde.Un modèle d'entreprise qui est rentable avec seulement 2 voitures produites par an ! Dans cet échange passionnant, Laurent Tapie dévoile :La méthode Tapie, transmise de père en fils, qu'il a appliqué pour construire et vendre plusieurs entreprises leaders sur leur marché.Sa stratégie pour faire de Delage une légende mondiale, comment il a convaincu des milliardaires comme Xavier Niel, la Famille Pinault et la Famille Arnault... d'y investir ; et son offre pour les particuliers qui souhaitent entrer au capital de Delage pour accélérer sa croissance. Ses prédictions sur l'avenir de l'automobile face au développement des voitures autonomes, de l'IA et à la montée en puissance des constructeurs chinois : que restera-t-il si la voiture telle qu'on la connaît aujourd'hui disparaît ? Les chauffeurs Uber vont-ils être tous remplacés par des robotaxis ? Son rapport à l'argent, ses principes en investissement et pourquoi il n'a toujours pas investi dans le Bitcoin. Bonne écoute !Intéressé(e) par la levée de fonds de Delage ? Veuillez contacter Laurent Tapie sur LinkedIn.Ressources complémentaires pour aller plus loin : Business Angel : guide complet pour investir dans une start-up https://sapians.com/blog/business-angel Cession d'entreprise : tout ce que vous devez savoir https://sapians.com/blog/cession-entrepriseComment investir et protéger 1 million d'euros d'héritage ? https://sapians.com/blog/investir-1-million-deuros-heritageLes clés pour investir en venture capital ou capital-risque https://sapians.com/blog/investir-venture-capital-ou-capital-risque-----------------------Attention : Les performances passées ne préjugent pas des performances futures et investir comporte des risques de perte partielle ou totale en capital. Ce contenu est informatif et ne constitue pas un conseil en investissement. Toute décision doit être adaptée à votre situation. Si vous souhaitez bénéficier de conseils personnalisés, veuillez créer votre compte ou prendre rendez-vous avec un conseiller Sapians.SAPIANS - RCS n°919 330 969 - ORIAS n°23003561 en qualité de CIF et COA. Activité de démarchage bancaire et financier.

With women currently making up just 11 per cent of Ireland's construction workforce, the Construction Industry Federation is using this year's International Women's Day to shine a spotlight on pathways into the sector and the leadership needed to drive real change. Its International Women's Day Summit takes place tomorrow at The Johnstown Estate. Alan was joined by Southern Regional Director with CIF and MC for the event, Joanne Treacy to find out more. Image © CIF IWD 2026 via eventbrite

Tony joined the show and we got his thoughts on the Padres game earlier in the day. We also talked about Tony's daughter winning CIF, and The Big 5!

In this episode of This Is a Woman, host Sophia Lorey takes listeners inside one of the most intense and revealing moments yet in the fight to protect girls' sports in California.Sophia breaks down exactly what happened at the recent California Interscholastic Federation (CIF) meeting, the powerful press conference held outside, and where the battle to save girls' sports currently stands. You'll hear firsthand from female high school athletes who are courageously speaking out after losing opportunities, safety, and fairness as males are allowed into female sports and locker rooms.This episode also covers:Why CIF claims their “hands are tied”—and why that isn't trueThe role of Bylaw 300D and how it undermines Title IXTwo state legislators who showed up to defend girls—and one who didn'tEmotional testimonies from athletes, parents, and advocatesThe growing movement demanding accountability from CIF and California leadersThese girls should be focused on school, sports, and graduation—not fighting bureaucrats for basic protections. Instead, they're standing boldly for truth, fairness, and the future of women's athletics.This is more than politics. It's about dignity, safety, and the right of girls to compete on a level playing field.WATCH THE FULL SPEECHES & COVERAGE:

Most B2B content fails because it isn't built on a strategy.In this episode of The B2B Playbook, we break down a practical B2B content strategy framework and explain why most content gets created, published, and forgotten.We unpack why “adding value” isn't enough, why engagement metrics are misleading, and how to anchor your content to a clear point of view so it actually supports revenue.We also share the 3-question Point of View framework we teach inside The B2B Incubator, and explain how your content should naturally lead to your product or service without burning trust.Tune in and learn:+ Why most B2B content strategies fail+ How to anchor content to a clear point of view+ How to make your product the logical conclusion of your cIf you're a small B2B marketing team under pressure to deliver pipeline, this framework will help you stop wasting effort and start compounding impact.-----------------------------------------------------

In March, Gavin Newsom told the late Charlie Kirk that male athletes competing against females is “deeply unfair.” This week, on Ezra Klein's podcast, he told a very different story. Will and David discuss the great movies and misguided politics of the late Rob Reiner, and the role of Greg Bahnsen in David's life. The FBI arrests four members of the Turtle Island Liberation Front who hoped to bomb multiple Los Angeles targets on New Year's Eve. Music by Metalachi.Email Us:dbahnsen@thebahnsengroup.comwill@calpolicycenter.orgFollow Us:@DavidBahnsen@WillSwaim@TheRadioFreeCAShow Notes:The moment my life changed forever, December 12, 2025Rob Reiner was more than a Hollywood liberal. He was a sophisticated political operator.What did California's novel approach to funding early-childhood programs achieve?Cigarette Taxes and Cigarette Smuggling by State, 2023Newsom taps former CDC leaders critical of Trump-era health policies for new initiativeStates Plan to Continue Regulating AI, Despite Trump's OrderWells Fargo cuts 100+ Sacramento-area jobs as CEO says AI prompts ‘efficiency'Has Gavin Newsom really signed the most pro-trans bills of any governor?California orders Tahoe-Truckee schools to join CIF sports over gender lawsFBI Arrests Four Alleged Members of Pro-Palestinian Terror Cell, Foiling New Year's Eve AttackWhat is Turtle Island? FBI foils Pro-Palestinian group terror attack planned for NYE in California Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, host Sloan Simmons joins Title IX experts Sarah Fama and Sinead McDonough for a comprehensive discussion regarding the status of the law as it pertains to gender identity, students, and schools.  Topics covered include the current status of California and federal law and policy on point, as well as the wide-ranging scope of pending litigation poised to impact this area of school law. Show Notes & References 1:54 – Foundational cases impacting Title IX policy (Bostock v. Clayton County (2020) 140 S. Ct. 1731) (Client News Brief 50 - June 2020) 2:55 – Grabowski v. Arizona Board of Regents (9th Cir. 2023) 69 F.4th 1110 5:51 – Parents for Privacy vs. Barr (9th Cir. 2020) 949 F.3d 1210 (Client News Brief 40 - May 2020) 10:48 – Roe vs. Critchfield (9th Cir. 2025) 137 F.4th 912 (Client News Brief 14 - April 2025) 12:49 – Jones, et al. v. Critchfield, et al., Ninth Circuit Case No. 25-5413 13:44 – Regino vs. Blake (formerly Staley) (9th Cir. 2025) (Client News Brief 17 - April 2025) 14:57 – Assembly Bill (AB) 1266 20:00 – United States v. Skrmetti (2025) 605 U.S. 495 22:24 – The law in California 23:25 – CIF (California Interscholastic Federation) Rule 300D and Guidelines for Gender Identity Participation 24:36 – Interactions with federal law 25:56 – Executive Order (EO) 14168 (Client News Brief 12 - February 2025) 27:01 – Tennessee v. Cardona decision 28:29 – Dear Colleague letter - February 4, 2025 30:32 – Federal government's approach and reaction to CIF and AB 1266 (USDOE Press Releases: February 12, 2025; March 27, 2025; June 25, 2025) 34:00 – Related Supreme Court cases (Little v. Hecox, Case No. No. 24-38; West Virginia v. B.P.J., Case No. 24-43) 35:09 – T.S. et al. v. Riverside Unified School District et al., U.S.D.C., Central District of California, Case No. 5:24-cv-02480-SSS-SP, and order on motion to dismiss, (C.D. Cal. Sept. 24, 2025) 2025 WL 2884416 36:25 – Protections for student privacy and their interactions with parental rights 39:22 – Mirabelli vs. Olson et al.¸U.S.D.C., Southern District of California, Case No. 3:23-cv-00768-BEN-VET 40:00 – The SAFETY Act (AB 1955) 44:13 – The dynamic between the federal government and California post-AB 1955 enactment (United States of America v. California Interscholastic Federation et al., U.S.D.C., Central District of California, 8:25-cv-01485-CV-JDE) 50:26 – Foote v. Ludlow School Committee, Case No. 25-77 52:19 – Mahmoud v. Taylor (2025) 606 U.S. 522 (Listen to Episode 97 Mahmoud v. Taylor) (Client News Brief 28 - July 2025) 53:31 – Access to facilities 55:15 – Grimm v. Gloucester County School Board (4th Cir. 2020) 972 F.3d 586 56:06 – Million Dollar Question: Does Title IX protect individuals based on gender identity or not?   For more information on the topics discussed in this podcast, please visit our website at: www.lozanosmith.com/podcast

Kaleigh Gilchrist is as cool and rad and impressive as they come. It's not just that she is a three time Olympian, or that she has two Olympic water polo gold medals (in her sock drawer) or the NCAA championship ring, or the high school CIF win; or the multitude of other championship wins on the water polo world stage. What if I told you that she's also a professional surfer with a ton more elite level accomplishments spanning her youth, collegiate and professional career? A two sport monster. Kaleigh has had incredible success based on her passion for both sports and an unbelievable work ethic, attitude, goal setting, having great people in her court… and a lot of grit. Meanwhile she's had to deal with all the things that go along with the pursuit of excellence and has had to overcome, and come back from a harrowing, life threatening accident. And she absolutely has. Now Kaleigh is starting on the next BIG chapter in her life which was always part of her plan… being a wife and a mom. It's quite a story… that already has countless rad chapters… and many more ahead.

Content note: This episode includes first-person accounts of uncomfortable locker-room situations, alleged sexual harassment, and injury.Host Sophia Lorey sits down with three teen athletes—sisters Alyssa McPherson and Madison McPherson, and their teammate Hadeel Hazameh—to unpack why they've filed a Title IX lawsuit against the California Department of Education, CIF, and their school district, alleging violations at Jurupa High School. Joined by Jessica Tapia of Advocates for Faith & Freedom, they describe how policy played out in real time: competing alongside and against a male athlete in girls' volleyball and track, locker-room moments that left them stunned, alleged butt-tapping and mocking comments about female anatomy and periods, a warm-up hit to the face, and the devastating choice to forfeit a senior season rather than accept what they believe is unfair and unsafe.Jessica outlines the legal plan—including efforts to block AB 1266—and what “true Title IX compliance” means for current and future female athletes. Whether you're a parent, coach, or student, this conversation shows the human cost behind headlines—and the courage it takes for teenagers to trade a season for a stand.Listen if you want to know what bravery looks like in high school sports.Resources & next steps:• Learn more or donate to Advocates for Faith & Freedom see here: https://faith-freedom.com/cases-all/high-school-athletes-sue-to-protect-female-sports• Share this episode with a parent, teammate, or coach.• If you're facing similar issues, document everything and please reach out to us!

The Composite Two-Star Recruits podcast is back to discuss 2027 QB Peyton Houston's looming commitment, the recruiting impact of USC's Week 2 win over Georgia Southern, new offers and thoughts from another week of CIF football. TIME STAMPS (00:00) No Tooth Talk  (06:44) Recruiting Angle of Week 2 Win  (49:44) Recapping CIF Football  (01:38:33) HS Week 4 Schedule  (01:43:30) 2027 QB Peyton Houston Sets Commitment Date (02:03:35) 2027 WR Demare Dezeurn Commits to Oklahoma  (02:17:45) New Offers  (02:25:23) Listener Questions  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The Composite Two-Star Recruits podcast returns to discuss the recruiting impact USC's Week 1 blowout over Missouri State, the return of Clay Helton and Week 2 of CIF football. TIME STAMPS (0:00) Gerard Medical Updates Pt. III (10:43) Week 1 Recruiting Angle  (01:28: 30) Chris Watches Jaws  (01:36:10) Week 2 HS Football Recap  (02:04:47) Week 3 HS Football Schedule  (02:23:35) Georgia Southern Visitors  (02:29:30) Listener Questions  (02:50:20) Gerard Heavy Metal Corner  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Head Coach Raul Lara of Mater Dei High School joins Larry Blustein as they talk about the History of Mater Dei High as they travel down to South Florida to play St Thomas Aquinas in the Broward Showcase. Raul Lara discusses his time as head coach at Long Beach Poly, and they also talk about the talent they play against in California and Las Vegas. Raul Lara also talks about how strong the Trinity League is, why he likes to play a tougher preseason schedule, and then transitions into League play.

Send us a textHigh import fees and complex tax rules make shopping on Amazon expensive in the Philippines. Customs duties, VAT charges, and CIF value calculations often raise costs above the product price, especially for electronics and branded goods. These barriers limit consumer choice, slow innovation, and discourage global brands from expanding into the market.#PhilippinesEconomy #OnlineShoppingPH #ImportFees #EcommercePhilippinesNeed expert advice on handling import fees and cutting costs for online orders? Book a call with experts! https://bit.ly/4jMZtxuWatch these videos on YouTube:Use Brand Analytics to Increase Sales https://hubs.ly/Q03BH19K0Simplify Amazon Listing Compliance https://hubs.ly/Q03BH0H00-----------------------------------------------Download our PPC Guide and start running ads that actually pay off: https://bit.ly/4lF0OYXGrab the Crisis Kit. Better to have it and not need it, than need it and not have it: https://bit.ly/4maWHn0Growing your brand? Book a DTC call and get a real growth plan: https://bit.ly/4kOz6rrTimestamps00:00 - Why Amazon faces challenges in the Philippines00:38 - Import fees higher than product value01:12 - Breaking down VAT and customs duty02:27 - How electronics face higher tax rates03:30 - Price thresholds that trigger import taxes04:18 - The effect on middle-class and high-value purchases06:20 - Barriers to innovation and product access07:50 - Example: scarcity of specific brands locally08:58 - Logistics vs. policy challenges10:08 - Impact on perishable and imported goods11:41 - Long-term outlook for e-commerce in the Philippines----------------------------------------------Follow us:LinkedIn: https://hubs.ly/Q03BH1CC0Instagram: https://hubs.ly/Q03BH1nD0Pinterest: https://hubs.ly/Q03BH0Gb0Twitter: https://hubs.ly/Q03BG_tp0Subscribe to the My Amazon Guy podcast: https://hubs.ly/Q03BH1460Apple Podcast: https://hubs.ly/Q03BH0050Spotify: https://hubs.ly/Q03BG_4m0Support the show

Today, John talks about Mayor McCarty's policy that would prohibit homeless people from sleeping outside City Hall overnight, takes some calls, and touches on the CIF's decision on letting Trans students continue to be apart of sports teams.

In this hard-hitting episode, the spotlight is on two seismic weekend events that reveal the deep fractures in U.S. foreign policy and cultural identity. First, a stunning strike on Russia's bomber fleet—allegedly orchestrated by NATO, not Ukraine—raises alarms about escalating proxy warfare and potential World War III. With conflicting statements from Trump allies and military insiders, listeners are left questioning who's really in control. Then, the focus shifts to California's CIF track and field championships, where a transgender athlete's victories spark outrage and renewed scrutiny over fairness in women's sports. The episode explores the ideological battles playing out in real time—from Marxist power structures to shifting definitions of gender and oppression. A powerful, no-holds-barred analysis of a weekend that could define America's future—both abroad and at home.

Happy Pride, Happy Graduation, and Happy 50th Anniversary to Mary Lou and Bob!This week we cover:

Trans Athletes and CIF's Bold New Policy: A Game-Changer? The New York Times highlights a pressing concern—are we truly prepared for the 2028? Meanwhile, on KFI, Michael Monks sheds light on Mayor Bass's ongoing legal battles. And in a bizarre twist, LA seems to be dealing with some rather unusual issues. It's a captivating time for the city!

Donald Trump is attacking an 11th grade trans girl now. Gavin Newsom and Donald used the same language to describe trans youth athletes. The president and grownups setting a terrible example for kids. The CIF stands by its policy about gender. Donald's Memorial Day fart noises. Donald's ongoing mental decline. The purge of the White House website continues. House Republicans reopened their investigation into Biden's fitness for office. Contempt language in the reconciliation budget bill. Donald confessed he's been protecting Russia all along. With Jody Hamilton, David Ferguson, music by Leigh Thomas, Japan Van Damme, and more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.