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In this episode of the Cape CopCast 'Chief's Chat,' we're talking about a horrific murder case that rocked Cape Coral in the '70s and still shapes our community today. It's been 50 years since nine-year-old Jason Verdow was lured at his bus stop, kidnapped, assaulted, and murdered in 1976. It's a case that challenges the old "stranger danger" stereotype and highlights that predators don't always look like how we would imagine.From there, we bring the conversation into 2026 parenting reality: online safety, gaming headsets, and the slow pressure tactics that grooming often relies on. We talk about what to say to your kids in plain language, how to set boundaries without banning everything, and why monitoring chats matters for bullying, threats, and escalating behavior. If you've ever wondered how to translate “be careful online” into specific rules your child can actually follow, this is the practical playbook.We also share a clear example of technology used for good: real-time crime center coordination, license plate readers, and OnStar tracking that helped lead to a quick arrest and the removal of drugs and a gun from the street. Finally, we highlight community events we care about, including the NAMI walk and how crisis intervention training (CIT) helps us respond better to mental health crises, plus the annual candlelight ceremony that supports survivors through grief with connection and remembrance.
Que fait vraiment la pauvreté à celles et ceux qui la vivent au quotidien ?Dans cet épisode de Thune, nous recevons l'autrice de bande dessinée Florence Dupré la Tour, qui a publié récemment Jeune et fauchée (éditions Dargaud), dans laquelle elle raconte ses années de galère en tant que jeune artiste.Pendant près de dix ans, Florence Dupré la Tour vit dans une grande précarité : mère célibataire sans pension avec des revenus faibles et irréguliers, elle vit avec l'angoisse permanente de ne pas savoir si l'argent va rentrer.Car vivre pauvre, ce n'est pas seulement manquer d'argent : c'est composer avec l'incertitude du lendemain, la honte sociale, l'obsession de payer son loyer, la santé mentale qui se dégrade.Dans cet épisode, elle raconte comment la précarité s'imprime durablement dans le corps et dans l'esprit.
Cécile Wendling est prospectiviste et fondatrice de Panoramique, elle pense à 20, 30, 100 ans — pas par anxiété, mais par élan de vie. Cécile a dirigé la prospective du groupe AXA avant de tout quitter pour créer sa propre structure. Elle a passé des années à aider des organisations, des dirigeants, des individus à se projeter dans le temps long — pas pour prédire l'avenir, mais pour l'écrire lucidement. Elle est sociologue, constructiviste, et elle a cette capacité rare de transformer ce qui nous paralyse en terrain fertile. Je la connais depuis un moment, j'admire sa façon de tenir les deux bouts sans jamais tomber ni dans le catastrophisme ni dans la pensée magique.Dans cet épisode, nous parlons de ce qui nous empêche de nous projeter, de pourquoi la crise est peut-être autant un construit social qu'une réalité, et de comment le temps lui-même est une invention que la société nous impose. J'ai questionné Cécile sur les inégalités face au futur, sur l'Afrique comme laboratoire mondial de l'innovation, sur le conatus de Spinoza comme boussole intérieure, sur ce que ça fait vraiment de sauter d'un grand paquebot pour pagayer dans un petit rafiot. On parle aussi de ce qu'on transmet aux enfants, de l'entraide comme ressource immatérielle, de la dépendance au sentier, du clavier AZERTY et des déchets nucléaires — et tout ça forme un fil cohérent, joyeux, profond, sur la façon dont on peut reprendre la main sur son avenir.3. CITATIONS MARQUANTES"Chacun de nous écrit l'avenir chaque jour par ses décisions. Avoir des décisions de temps long, c'est ça aussi œuvrer à une humanité différente." (Partie 1, ~06:00)"Si on n'est pas capable d'imaginer un avenir où on est heureux de vivre, on ne peut pas le créer, on ne peut pas le faire advenir." (Partie 1, ~30:30)"Le pouvoir a besoin de tristesse parce qu'il sait la contrôler, il sait la manipuler." (Cécile citant Deleuze, Partie 1, ~15:10)"Le vide n'existe pas. Mais ça, tu t'en rends compte que quand tu es dans ton petit rafiot à pagayer." (Partie 2, ~08:20)"Claquer la porte à la violence. Et ouvrir la porte au temps long, à se projeter et inventer l'avenir." (Partie 2, ~25:15)4. IDÉES CENTRALES DISCUTÉES 1. Le temps long comme acte politique et humaniste Titre : Décider loin, c'est résister Explication : Dans un monde qui nous force au temps court (contenus jetables, polycrise, dopamine instantanée), choisir de s'inscrire dans une pratique longue — yoga, instrument de musique, doctorat, engagement — est une forme de résistance et d'émancipation. Ce n'est pas de la lenteur, c'est de la profondeur. Pourquoi c'est important : Parce que sans cette capacité, on devient réactif plutôt qu'acteur. Et Cécile montre que cette inégalité face au temps long a des conséquences concrètes : santé, épargne, alimentation. Timestamp : Partie 1, ~05:00 → 09:002. La crise comme construction sociale — et ses angles morts Titre : On a mis des lunettes grises, et on a oublié qu'on pouvait les enlever Explication : Cécile questionne frontalement notre façon de nommer "crise" tout ce qui arrive. Ce label n'est pas neutre : il induit des décisions précipitées, sacrifie ce qu'on juge "non essentiel" (la culture pendant le Covid), et nourrit les passions tristes au sens de Spinoza — peur, résignation, paralysie — qui nous coupent de notre élan vital. Pourquoi c'est important : Parce que changer de lunettes n'est pas de la naïveté. C'est un acte cognitif et politique qui ouvre d'autres modes d'action. Timestamp : Partie 1, ~12:00 → 17:003. Le conatus : le feu qu'on ne développe pas, qu'on libère Titre : Ce n'est pas ton cerveau qui sait — c'est ton feu Explication : Face à l'angoisse des parents devant l'IA et les métiers de demain, Cécile propose une réponse contre-intuitive : au lieu de regarder à l'extérieur, se reconnecter à son désir le plus intime. Le conatus (Spinoza) — cet élan vital propre à chacun — ne se développe pas, il se libère : par le lien, l'engagement, la contemplation, et en ôtant la pression de l'ultra-performance. Pourquoi c'est important : Parce que c'est la seule boussole stable dans un monde incertain. Timestamp : Partie 2, ~01:30 → 03:304. L'entraide comme ressource immatérielle — invisible, mais fondamentale Titre : Ce qu'on ne mesure pas, on le détruit Explication : Depuis Thatcher et Reagan, nos sociétés ont surinvesti ce qui se mesure (PIB, productivité) et désinvesti les ressources immatérielles : confiance, empathie, entraide. Or ces ressources fonctionnent comme le temps long — plus on les nourrit, plus elles grandissent ; si on les abandonne, le lien social s'effondre rapidement. La tontine féminine, Leetchi détourné par des agriculteurs, le low-tech africain : l'entraide existe partout, souvent invisible. Pourquoi c'est important : Parce que face aux inégalités que les politiques macroéconomiques ne savent pas résoudre, l'entraide locale est la réponse de terrain la plus puissante et la plus rapide à activer. Timestamp : Partie 1, ~20:00 → 24:005. La dépendance au sentier — pourquoi le passé emprisonne le futur Titre : Le clavier AZERTY et les déchets nucléaires ont la même origine Explication : Se projeter en arrière ne sert pas à répéter le passé, mais à identifier les "dépendances au sentier" et les "effets cliquet" : des choix initiaux qui contraignent toutes les décisions suivantes. Le clavier AZERTY (conçu pour ralentir les dactylos), le nucléaire (conçu pour miniaturiser une arme avant de faire une centrale) illustrent comment un critère de départ non questionné génère des coûts considérables sur le long terme. Pourquoi c'est important : Parce que prendre conscience de ces biais structurels est la condition nécessaire pour en sortir — individuellement et collectivement. Timestamp : Partie 2, ~12:00 → 14:306. L'Afrique, laboratoire du monde de demain Titre : Pendant qu'on vieillit, eux inventent Explication : Démographiquement, l'Afrique sera le continent dominant à 2100. Contrainte par le manque, elle invente des solutions frugales brillantes (IA sur carte SIM sans réseau, tontine, low-tech). L'afrofuturisme est le mouvement culturel et intellectuel par lequel ces populations reprennent la narration de leur propre avenir. Pendant ce temps, l'Occident vieillit et — sociologiquement — devient plus conservateur, moins innovant. Pourquoi c'est important : Parce que refuser de s'inspirer de l'Afrique par néocolonialisme inconscient, c'est se priver de la source d'innovation la plus féconde des prochaines décennies. Timestamp : Partie 1, ~24:30 → 27:305. QUESTIONS Qu'est-ce que ça veut dire concrètement être prospectiviste — et pourquoi tu n'es pas devin ?Comment on fait pour se projeter dans le temps long quand le futur nous semble chaotique et flou ?Face à la paralysie ou à l'écoanxiété, qu'est-ce qui permet de réinjecter de la joie dans sa vision du futur ?On vit une polycrise réelle — crises climatique, géopolitique, économique, sociale — comment tu arrives à aimer cette époque malgré tout ?Est-ce que la crise n'est pas en partie une construction sociale, une paire de lunettes qu'on pourrait enlever ?Quel est le discours qu'on peut tenir aux personnes qui n'arrivent pas à joindre les deux bouts, à ceux que l'optimisme ressemble à une offense ?Est-ce que le futur appartient à l'Afrique — et pourquoi on a autant de mal à s'en inspirer ?Pourquoi aider les gens à se projeter dans le temps long est ta raison d'être — et qu'est-ce que ça change dans une vie de penser à 20, 30, 100 ans ?Comment est-ce qu'on ose quitter sa zone de confort quand tout dans la société nous pousse vers le confort et la sécurité ?Le futur ne répète pas le passé — alors à quoi ça sert de se projeter en arrière, et qu'est-ce que la dépendance au sentier nous apprend sur les choix qu'on fait aujourd'hui ?6. RÉFÉRENCES CITÉES DANS L'ÉPISODEPersonnesArch Field — Chercheur ayant conduit des expériences IRM sur la capacité de projection temporelle. Montre que certains ne peuvent pas se projeter dans leur futur-soi. (Partie 1, ~28:00)Mathieu Dardaillon — Auteur de L'Anti-Chaos, invité précédent du podcast. Cécile reprend sa méthode A-B-Z. (Partie 1, ~31:30)Pablo Servigne — Invité précédent de Gregory, cité pour sa thèse que la loi de la jungle est en réalité l'entraide. (Partie 1, ~19:30)David Ménager — Auteur de La France du Boncoin, cité pour son travail sur le bricolage solidaire et le détournement d'outils numériques. (Partie 1, ~20:30)Béatrice Rousset — Citée en partie 2 pour ses travaux sur les modèles mentaux des individus et des organisations. (Partie 2, ~11:30)Éloi Saint Bris — Réalisateur du documentaire Un outsider (Canal+) sur le Vendée Globe, et créateur du spectacle Beyond sur l'audace. (Partie 2, ~09:00)Christian Mongeau — Personne ayant fait découvrir à Cécile l'exemple de Roger de Sicile au XIe siècle. (Partie 1, ~08:30)Roger de Sicile (XIe siècle) — Cité comme exemple de leader ayant inventé une société multiculturelle et multiconfessionnelle à Palerme. (Partie 1, ~08:30)Ferriss — Jeune intervenant sur le podcast Seesmic, cité pour sa critique de la capture bourgeoise du discours écologique. (Partie 1, ~23:30)Jean-Noël — Ami de Cécile cité anonymement pour illustrer la surcharge temporelle. (Partie 2, ~17:40)Spinoza — Cité deux fois : pour les passions tristes (partie 1) et pour le concept de conatus (partie 2). Philosophe structurant de toute la pensée de Cécile.Deleuze — Cité pour son commentaire de Spinoza : "le pouvoir a besoin de tristesse." (Partie 1, ~15:00)LivresL'Anti-Chaos — Mathieu Daragon. Méthode A-B-Z et back casting. (Partie 1, ~31:30)La France du Boncoin — David Ménager. Entraide et bricolage solidaire. (Partie 1, ~20:30)Seul le Grenadier — Roman d'un jeune auteur irakien, recommandé par Cécile pour se projeter dans un univers étranger. (Partie 1, ~09:00)ConceptsPassions tristes / Passions joyeuses (Spinoza) — (Partie 1, ~14:30)Conatus (Spinoza) — Élan vital, feu intérieur. (Partie 2, ~02:00)Dépendance au sentier / Effet cliquet — Concepts d'économie institutionnelle. (Partie 2, ~12:30)Afrofuturisme — Mouvement culturel africain de reprise de la narration du futur. (Partie 1, ~25:00)Back casting — Technique prospective : se projeter loin et revenir vers le présent. (Partie 1, ~32:00)Étude socioVision — Segmentation en trois Frances (France qui va bien / France du repli / France qui va mal). (Partie 1, ~17:20)Ikigaï — Cité par Cécile comme raison d'être, relié au conatus. (Partie 2, ~03:20)Matrices de matérialité (RSE) — Outil d'entreprise pour évaluer les effets à long terme. (Partie 2, ~15:00) Suggestion d'autres épisodes à écouter : #346 Retrouver du pouvoir dans le chaos avec Matthieu Dardaillon (https://audmns.com/yOgbycm) [SOLO ] Reprendre goût au futur dans un monde en crise (https://audmns.com/fKSFkcw) #158 Que souhaitons-nous léguer aux générations futures avec Yann Arthus Bertrand (https://audmns.com/HHplZPq)Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.
Ce podcast est présenté par BeTrail.Voici le RÉCAP D+ du 9 mars 2026, le flash info du trail signé Distances+ présenté par Franck Berteau et Chloé Rebaudo.Vous entendrez dans cette émission :
durée : 00:04:38 - franceinfo junior - À l'occasion des 40 ans de la Cité des sciences et de l'industrie du Parc de la Villette à Paris, on prend notre plus beau télescope et on fait un zoom pour découvrir le planétarium. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.
Sujet du jour : En ce 8 mars, nous vous avons concocter une sélection de dix films et séries sur la lutte pour les droits des femmes. De quoi s'inspirer, célébrer les victoires passées, et trouver de la force pour les combats futurs.Cités dans cet épisode : Mustang (2015) réalisé par Deniz Gamze The Handmaid's Tale (2017-2025) crée par Bruce Miller Persepolis (2007) réalisé par Vincent Paronnaud et Marjane Satrapi We want sex equality (2010) réalisé par Nigel Cole Self Made (2020) Radioactive (2019) réalisé par Marjane Satrapi Lessons in Chemistry (2023) créé par Lee Eisenberg Les Figures de l'ombre (2017) réalisé par Theodore Melfi The Marvelous Mrs Maisel (2017-2023) créé par Amy Sherman-Palladino Une femme d'exception (2018) réalisé par Mimi Leder Générique de fin : "L'hymne des femmes", interprétée par la chorale Nous le confinement, arrangement de Joséphine Maillefer. Qui sommes-nous ? Popcorn Therapy est un podcast mensuel du label Elabète, consacré au cinéma et aux séries télévisées.
Mouettes, goélands et cormorans ont fait de la Seine leur lieu de villégiature hivernale, avant qu'un certain nombre d'entre eux décide de s'y installer à l'année. On les voit et on les entend. Des milliers de mouettes, qui piaillent ou qui pleurent en bord de Seine, le long de la voie rapide qui traverse Paris, sont posées sur le sable. Ce n'est pourtant pas Paris-Plage, on est alors en plein hiver, au mois de janvier. Le soleil s'est couché et les mouettes se sont rassemblées sur les barges remplies de sable amarrées au quai, qu'elles transforment chaque soir en immenses dortoirs. « Les mouettes sont des oiseaux d'eau douce qui vont se reproduire sur les étangs. Entre le 15 février et le 1er mars tout le monde fout le camp ! Donc à partir de cette période, si vous voyez des oiseaux blancs sur la Seine, il y a neuf chances sur dix que ce soit des goélands, qui sont plus gros d'ailleurs », précise Frédéric Malher, ornithologue à la LPO Île-de-France, la Ligue pour la protection des oiseaux. Les Parisiens (et les touristes) prennent souvent des goélands pour des mouettes, « et dans le film Vos gueules les mouettes !, ce qu'on entend, ce sont des goélands, pas des mouettes ! » À lire aussiLes oiseaux de la Seine à Paris : une étonnante biodiversité Goélands parisiens En cet après-midi du mois de mars 2026, Frédéric Malher nous a donné rendez-vous en bord de Seine, face à Notre-Dame à la pointe de l'île de la Cité, où des goélands, reconnaissables à leur bec jaune, se reposent au soleil de cette fin d'hiver. « Ce sont des espèces essentiellement marines qui, en hiver, se répartissent un peu n'importe où, et en particulier remontent les fleuves. Cela faisait très longtemps qu'on en voyait en hiver à Paris. Puis, comme un certain nombre d'espèces, ils se sont aperçus que finalement, la ville, c'était quand même bien sympathique. Il y a à manger toute l'année, en général des poubelles et des fins de marché, et éventuellement des poissons dans l'eau. Et puis, les humains leur foutent la paix. Ils ont beau avoir un paysage touristique que le monde entier nous envie, là, ils n'en ont rien à faire ! » En contrebas du quai, sur la Seine boueuse, un couple de canards colverts barbote au gré des vaguelettes. Un cormoran, ce grand oiseau marin au plumage noir et au long bec crochu apparaît. « C'est un jeune cormoran qui vient de plonger ! », remarque Frédéric Malher. L'oiseau disparaît une dizaine de secondes avant de ressortir un peu plus loin, un poisson dans le bec. Le grand cormoran est un oiseau migrateur. Il vient d'Europe du Nord et passe l'hiver à Paris, où on compte un millier d'individus. Certains restent même à l'année parce que la pêche est bonne. « Le cormoran est un grand pêcheur qui a la particularité d'avoir un plumage qui se mouille, à la différence de la plupart des autres oiseaux, explique Frédéric Malher. Quand on fait tomber de l'eau sur le dos d'un oiseau, l'eau ruisselle. Évidemment, il ne faut pas y aller au jet d'eau ! C'est en particulier très utile pour les canards qui flottent, parce qu'en plus, cela leur procure une couche d'air qui les maintient au chaud. Mais ça les empêche de plonger, ils remonteraient comme un bouchon. » À lire aussiL'observation des oiseaux, une science participative en développement actif Plongée sous-marine Le cormoran, lui, n'a pas ce problème et peut plonger « jusqu'à dix ou vingt mètres assez facilement, poursuit Frédéric Malher. Après, il va aller se poser et prendre la posture classique avec laquelle on représente souvent les cormorans, les ailes écartées qu'ils remuent éventuellement.Tiens, ça y est, il s'envole, il en a assez ! », s'interrompt l'ornithologue alors que le son d'un battement d'ailes bien spécifique s'élève de la Seine : celui d'un cormoran qui redouble d'efforts pour faire décoller de l'eau ses quelques trois kilos. Écarter les ailes au repos, « on a longtemps pensé qu'il faisait ça pour se sécher, ce qui est sûrement vrai au moment où il sort de l'eau. Puis on s'est aperçu que pour avoir cette position-là, les muscles travaillent, donc ils se réchauffent. Cela a donc une double utilité ». Sur la dalle qui leur sert de reposoir, au-dessus du Mémorial des martyrs de la déportation, goélands et cormorans continuent de prendre le soleil. Un héron les a rejoints. La Seine est un paradis. À lire aussiÀ Paris, avec l'amélioration de la qualité de la Seine, des moules refont leur apparition
Host: Cindy Allen Show: Simply Trade – Cindy's Version Published: March 6, 2026 Length: ~13 minutes Presented by: Global Training Center Ready For It? CBP's IEEPA Refund Proposal Drops—Here's What's Next Cindy Allen, CEO of TradeForce Multiplier, dives into the latest trade developments through Taylor Swift's “Ready For It?”—perfect for the “let the games begin” drama unfolding in IEEPA refund hearings. From DHS shakeups and Section 122 lawsuits to CBP's just‑filed refund blueprint, Cindy unpacks the mechanics, open questions, and what importers/brokers should do now. What You'll Learn in This Episode DHS leadership change Secretary Noem removed; scuttlebutt suggests more exits at DHS/CBP headquarters. New nominee: Oklahoma senator with broad congressional/President support (not yet formal). Section 122 tariff challenges 24 states sue in Court of International Trade, arguing Section 122 doesn't meet “imbalance of payments” requirement for universal tariffs. Commerce Secretary Besant hints at 15% rate hikes for specific industries, potentially violating Section 122's uniform application rule—no movement yet (as of Friday afternoon). USMCA signals Congress supports extension, but President has final say. Discussions on trilateral vs. bilateral (U.S.–Canada, U.S.–Mexico); some push for 1‑year extension to renegotiate post‑tariff chaos. Global disruptions Iran war halts Strait of Hormuz traffic, backing up oil tankers and vessels reliant on that fuel—broad transportation ripple effects. USTR advisory opportunity Nominations open for 4 USTR trade advisory groups (separate from COAC)—check Federal Register notices. Chance to influence policy, build government/industry relationships. Why “Ready For It?” Cindy channels Taylor Swift's “Ready For It?” for the IEEPA refund “dating game” between DOJ, CBP, and CIT: Federal Circuit rejected government's 90‑day delay request, remanded immediately to CIT. CIT hearing (March 4) was “entertaining” bickering—judge ruled no suit needed for non‑final entries and ordered CBP to liquidate without IEEPA duties. CIT conference (March 6, closed): CBP filed a refund proposal. CBP's IEEPA Refund Proposal Breakdown How it would work: Importers file ACE declaration with Excel list of affected entries. ACE runs validations, auto‑recalculates IEEPA refund. CBP verifies declaration accuracy. ACE auto‑liquidates; CBP certifies; Treasury issues refunds (as normal). Estimated 45 days for CBP programming. Open questions: Entry updates: ACE is system of record—will underlying entry summaries be corrected? (Critical for protests, PSCs, reconciliation, drawback.) Broker involvement: ABI required? Broker systems need programming? Push/pull updates? Reconciliation: How handled in bulk process? PSC/audit impact: Can filers still correct misclassifications post‑bulk liquidation? (Protests harder than PSC.) Liquidation halt: CBP questions authority to pause during 45‑day programming (hundreds of thousands liquidated March 6). Key Takeaways CIT has jurisdiction; expect CBP proposal review/dialogue—trade associations pushing entry updates. Programming delays + ABI sync = potential months before refunds flow. Liquidation is automatic unless stopped—monitor your entries closely. “Let the games begin”—are you ready for the IEEPA refund process? Credits Host: Cindy Allen Producer: Annik Sobing Listen & Subscribe Simply Trade main page: https://simplytrade.podbean.com Apple Podcasts: https://podcasts.apple.com/us/podcast/simply-trade/id1640329690 Spotify: https://open.spotify.com/show/09m199JO6fuNumbcrHTkGq Amazon Music: https://music.amazon.com/podcasts/8de7d7fa-38e0-41b2-bad3-b8a3c5dc4cda/simply-trade Connect with Simply Trade Podcast page: https://www.globaltrainingcenter.com/simply-trade-podcast LinkedIn: https://www.linkedin.com/showcase/simply-trade-podcast YouTube: https://www.youtube.com/@SimplyTradePod Join the Trade Geeks Community Trade Geeks (by Global Training Center): https://globaltrainingcenter.com/trade-geeks/
Le 5 janvier 2026 à Las Vegas, Jensen Huang ouvrait le CES avec une prédiction : un platform shift. L'IA ne serait plus un outil parmi d'autres, mais l'infrastructure fondamentale sur laquelle viendrait se brancher toute l'économie mondiale. Avec, à la clé, un plan sur 50 ans pour construire des "usines d'IA" planétaires. Mais derrière la promesse technologique se cachent des dépendances très concrètes : énergie, eau, lithium, terres rares, puces. Des ressources non renouvelables, distribuées inégalement, et déjà au cœur de nouvelles tensions géopolitiques. La Chine, "électro-État" verticalisé depuis 25 ans sur les chaînes d'approvisionnement critiques. Les États-Unis de Trump qui déclarent l'état d'urgence énergétique nationale et lorgnent le Groenland. Et l'Europe, recatégorisée en "puissance moyenne", qui doit réinventer sa stratégie industrielle et diplomatique pour ne pas rater la quatrième révolution industrielle.Cet épisode a été enregistré en public, le 21 janvier 2026, lors de la 3ème édition de la Journée des Tendances de L'ADN à la Cité internationale universitaire de Paris.Au micro d'Elsa Ferreira : Olivia Lazard, chercheuse associée à l'Institut Berggruen, spécialiste en sécurité planétaire ; Jérémy Beaufils, directeur exécutif de la chaire Digital Disruption de l'ESSEC et auteur de la Digital Disruption Matrix ; Patrice Duboé, directeur de l'Innovation Europe du Sud chez Capgemini. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
A cash-in-transit (CIT) robbery on the N2 southbound in Durban on Wednesday morning has again placed the spotlight on the risks linked to these crimes, despite a recent decline in overall incidents. According to Cash-In-Transit Association of South Africa (CITASA) head Grant Clark, the industry continues to strengthen security interventions. This sentiment was echoed by Wahl Bartmann, CEO of Fidelity Services Group. Bartmann noted that the industry works closely with law enforcement and other authorities. If you missed it live, listen in...
Rascar William Faulkner amb pedra foguera. Crítica teatral de l'obra «Absalon, Absalon!»», de William Faulkner. Adaptació de Séverine Chavrier. Traducció i revisió: René-Noël Raimbault i François Pitavy. Dramatúrgia i ajudants de direcció: Marie Fortuit, Antoine Girard i Baudouin Woehl. Intèrprets: Pierre Artières-Glissant, Nicolas Avinée, Daphné Biiga Nwanak, Jérôme de Falloise, Adèle Joulin, Jimy Lapert, Armel Malonga, Hendrickx Ntela, Laurent Papot, Christèle Tual, Kevin Bah «Ordinateur». Amb la participació de Maric Barbereau. Escenografia i attrezzo: Louise Sari. Vestuari: Clément Vachelard. Il·luminació: Germain Fourvel. Música: Armel Malonga. So: Séverine Chavrier i Simon d'Anselme de Puisaye. Vídeo: Quentin Vigier. Projeccions: Claire Willemann. Assessora de diversitat: Noémi Michel. Educador d'aus: Tristan Plot. Ajudant d'escenografia: Tess du Pasquier. Ajudanta de vestuari: Andréa Matweber. Disseny de les nines: Chantal Sari. Ensinistrador de gossos: ShanjuLab. Producció: Comédie de Genève, en coproducció amb Centre Dramatique National Orléans Centre-Val de Loire, Les Théâtres de la Ville de Luxembourg, Teatre Nacional de Catalunya, Théâtre de la Cité, Centre Dramatique National Toulouse Occitanie, Bonlieu Scène Nationale d'Annecy, Théâtre de Liège, DC&J Création, Festival d'Avignon. Amb el suport de Fondation Ernst Göhner (Zoug), Tax Shelter du Gouvernement fédéral de Belgique, Inver Tax Shelter. Agraïments: Caroline Bonnafous, Romuald Liteau-Lego, Rachel de Dardel, Judith Zagury, i l'equip del Centre dramatique national Orléans Centre-Val de Loire. Equips tècnics i de gestió del TNC. Direcció: Séverine Chavrier. Sala Gran, Teatre Nacional de Catalunya, Barcelona, 4 març 2026. Veu: Andreu Sotorra. Música: You Gotte Move. Interpretació: Mississippi Fred McDowell. Composició i arranjaments: Rev. Gary Davis i Mississippi Fred McDowell. Àlbum: You Gotta Move, 1989.
Dans cet épisode, Manuel Davy accueille Philippe Ciuciu.Directeur de la recherche fondamentale au CEA Saclay, il nous explique comment l'intelligence artificielle est mise au service des neurosciences aujourd'hui.Grâce au machine learning, les chercheurs sont désormais en mesure d'analyser des données cérébrales particulièrement complexes. Véritable avancée pour les patients atteints de maladies neurologiques, il reste cependant un outil imparfait, à utiliser avec précaution.Bonne écoute !Les Carnets de l'IA est un podcast proposé par la Cité de L'IA avec la soutien de la Fondation MMADirection éditoriale : Manuel Davy et Hélène VanwaesProduction exécutive : natif.Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.
Go directly to CIT! Do not pass go! The CAFC remanded the IEEPA case to the CIT, not even waiting for the Supreme Court to return the case. Listen for more on Two Minutes in Trade.
Evénements Vidéo du webinar The energetic challenges of fault-tolerant quantum computers, avec Olivier Ezratty et Yasser Omar de PQI et Quantum Green Computinghttps://www.youtube.com/watch?v=NnfffiJYuvk Conférence Quantique à Ecole NavaleL'école navale organisait sa Journée des Sciences Navales dans ses locaux à Lanvéoc au sud de la rade de Brest. https://fr.wikipedia.org/wiki/Le_Vigilant_(S618) La France dans les EmiratsVisite à Abu Dhabi, dans le cadre de journées France-Emirats. https://sorbonne.ae/fr/national-strategies-and-international-cooperation-in-the-quantum-domainhttps://www.linkedin.com/posts/barbaresco_france-uae-quantum-collaboration-national-activity-7424442854778867712-sfDo/ Chaire de Pascale Senellart au Collège de Francehttps://www.college-de-france.fr/fr/agenda/cours/technologies-quantiques-emergentes/processeurs-quantiques-photoniqueshttps://www.college-de-france.fr/fr/agenda/cours/technologies-quantiques-emergentes/processeurs-quantiques-bases-atomeshttps://www.college-de-france.fr/fr/agenda/seminaire/technologies-quantiques-emergentes/assembler-la-matiere-quantique-atome-par-atomehttps://www.college-de-france.fr/fr/agenda/cours/technologies-quantiques-emergentes/vibrations-et-technologies-quantiqueshttps://www.college-de-france.fr/fr/agenda/seminaire/technologies-quantiques-emergentes/how-does-quantum-object-gravitate La chaire se conclura par un colloque du 16 avril d'une journée sur la photonique quantique.https://www.college-de-france.fr/fr/agenda/colloque/technologies-quantiques-base-de-lumiere Séminaire MEDEF LyonOrganisé à Lyon par MEDEF Lyon-Rhône et le Hub Quantique du CEA. A venirConférence de Daniel Esteve à Bordeaux le 2 marshttps://www.sfphysique.fr/evenement/prix-nobel-de-physique-2025-aux-debuts-du-domaine-des-circuits-electriques-quantiques-supraconducteurs/Evénement Devoxx en avril 2026 avec Fanny, Olivier, Sébastien Marie de Matmut et Alice&Bob. https://www.devoxx.fr/Conférence développeurs Nvidia le 16 mars 2026. https://www.nvidia.com/gtc/sessions/quantum-computing/ Nuit du quantique organisée à la Cité des Sciences le 30 mars à la Cité des Sciences le 31 mars à 18h. https://www.sfphysique.fr/evenement/nuit-du-quantique-a-paris/ France Quobly et SealsqLa période de discussion exclusive entre les deux sociétés s'est achevée mi-février.https ://www-sealsq-com.cdn.ampproject.org/c/s/www.sealsq.com/investors/news-releases/sealsq-strengthens-its-quantum-made-in-usa-strategy-with-an-additional-strategic-investment-in-eeroq Et partenariat avec Entropica Labs à Singapour.https://quobly.io/news/quobly-and-entropica-labs-sign-strategic-mou-in-singapore-to-advance-fault-tolerant-quantum-computing/ PasqalIls annoncent une levée de fonds en cours de 200M€. Et aussi l'installation d'un QPU analogique en Italie à Cineca.https://thequantuminsider.com/2026/02/19/pasqal-in-talks-to-raise-e200m-at-unicorn-valuation-bloomberg-reports/https://thequantuminsider.com/2026/02/17/pasqal-neutral-atom-qpu-italy/ Scaleways et AQTL'opérateur de cloud du groupe Iliad propose l'accès à un QPU de 12 qubits de l'Autrichien Alpine Quantum Technologies via Qiskit. https://thequantuminsider.com/2026/02/19/aqt-and-scaleway-launch-european-quantum-cloud-access/https://www.scaleway.com/en/docs/quantum-computing/how-to/use-aqt-qpus/ Chaire quantique à Clermont-FerrandL'lSIMA de Clermont-Ferrand, sous la houlette de Philippe Lacomme que nous avions évoqué lors du précédent podcast, lance une chaire sur l'informatique quantique avec l'aide de CGI, Bull et Michelin. La chaire a vocation a faire le lien entre la pédagogie et la recherche. Elle est soutenue par deux laboratoires, le LIMOS et le LPCA et par l'lSIMA Clermont-Ferrand.https://www.linkedin.com/posts/philippe-lacomme-616a2b130_accueil-chaire-quantique-activity-7429178723154894848-2zAnA quantum feasibility preserving modeling for the min cut problem by Ali Abbassi, Yann Dujardin, Eric Gourdin, Philippe Lacomme, and Caroline Prodhon, arXiv, February 2026 Vidéo de Sabine Hossenfelder« The Quantum Computer Dream is Falling Apart ». https://youtu.be/N-9muK0mv5w Quantonation finit sa levée de fonds
Avant de passer au programme n'oubliez pas d'activer la ligne direct de Tocsin !
Host: Cindy Allen Show: Simply Trade – Cindy's Version Published: February 27, 2026 Length: ~15 minutes Presented by: Global Training Center All Too Well: One Week Post-IEEPA, Still Not Fine at All One week after the Supreme Court struck down IEEPA tariffs, Cindy Allen, CEO of TradeForce Multiplier, delivers the latest update through the lens of Taylor Swift's “All Too Well.” She breaks down the lingering uncertainty—“I know it's long gone and the magic's not here no more… I might be okay, but I'm not fine at all”—and what importers, brokers, and service providers should do next amid shutdowns, pending bills, and shifting tariff authorities. What You'll Learn in This Episode Legislative landscape Three new bills introduced on IEEPA refunds: two support refunds for importers; one opposes and ties refunds to consumers (challenging in practice). Other pending bills (eliminating first sale, non‑resident importer status, new licensing program) are unlikely to move soon. IEEPA refund bills could gain traction if courts rule against refunds—watch for Congress to act. DHS shutdown impacts Ongoing due to budget issues; most CBP personnel are working without pay (be kind!). Trade interactions limited as “non‑essential”: canceled meetings, no new conference appearances. TSA PreCheck spared (shutdown threat revoked); Global Entry inactive due to staffing. CBP updates and waits Still awaiting Section 232 valuation guidance for steel/aluminum/copper derivatives—current CBP direction conflicts with executive order language. Trade associations have jointly requested clarity; no response yet. Administration signals New trade deals now using Section 122 authority instead of IEEPA. Acceleration planned for remaining 232 investigations and new 301 actions—structured processes with timelines, public input, and notice (no more Friday night surprises). Why “All Too Well”? Cindy ties the week to Taylor Swift's “All Too Well,” capturing trade's emotional whiplash: IEEPA is “long gone,” but the “magic” of predictability isn't back. Importers, attorneys, and consultants are swamped with “What now?” calls—Cindy's attended 5+ webinars with no clear answers. The trade isn't “fine”—we're in uncharted territory. The Big Questions: If, How, When on IEEPA Refunds IF refunds happen: Supreme Court remanded to lower court, likely landing at Court of International Trade (CIT). Prevailing view: no legal basis to withhold refunds, but scope (“which refunds?”) is unclear. HOW to get refunds: Two paths debated: 1581(i) (equitable jurisdiction—broad refunds for all) vs. 1581(a)(denied protests only). Post-summary corrections rejected by CBP—don't try now. FedEx filed CIT action to protect refund rights. Recommendation: talk to an attorney for tailored advice. WHEN to act: Government has 25 days for rehearing request (unlikely); ~7 days admin time; then CIT jurisdiction (~32 days total from Supreme Court). File protests now if entries liquidate soon to preserve rights (CIT may require it under 1581(a)). If no imminent liquidations, wait—process could take months or a year+. Pack patience; this is a long haul. Key Takeaways IEEPA tariffs are history, but uncertainty reigns—new authorities (Section 122, accelerated 232/301) fill the gap. Support CBP/TSA workers during shutdown—they're on the job unpaid. Consult an attorney ASAP for refund strategy; don't sleep on protest deadlines. No quick fixes ahead—trade pros need patience and planning. Credits Host: Cindy Allen Producer: Annik Sobing Listen & Subscribe Simply Trade main page: https://simplytrade.podbean.com Apple Podcasts: https://podcasts.apple.com/us/podcast/simply-trade/id1640329690 Spotify: https://open.spotify.com/show/09m199JO6fuNumbcrHTkGq Amazon Music: https://music.amazon.com/podcasts/8de7d7fa-38e0-41b2-bad3-b8a3c5dc4cda/simply-trade Connect with Simply Trade Podcast page: https://www.globaltrainingcenter.com/simply-trade-podcast LinkedIn: https://www.linkedin.com/showcase/simply-trade-podcast YouTube: https://www.youtube.com/@SimplyTradePod Join the Trade Geeks Community Trade Geeks (by Global Training Center): https://globaltrainingcenter.com/trade-geeks/
L'industrie automobile mondiale traverse une mutation historique, entre transition électrique, rivalités géopolitiques et pressions réglementaires. Nous vous proposons une plongée au cœur de cette révolution : un reportage exclusif au plus près des lignes de production de l'usine Volvo Cars à Gand (Belgique) et des analyses d'experts pour mieux comprendre les défis et les enjeux d'une filière en pleine recomposition. Reportage à l'usine Volvo Car Gent (Belgique) L'usine en chiffres :
Fluent Fiction - French: Facing Fears: Émile's Journey from Anxiety to Aspiration Find the full episode transcript, vocabulary words, and more:fluentfiction.com/fr/episode/2026-02-27-23-34-02-fr Story Transcript:Fr: Le vent froid soufflait le long de la côte de Biarritz.En: The cold wind blew along the coast of Biarritz.Fr: Les vagues de l'Atlantique s'écrasaient sur les rochers.En: The waves of the Atlantic crashed against the rocks.Fr: Les élèves descendaient du bus.En: The students were getting off the bus.Fr: Ils étaient surexcités.En: They were overexcited.Fr: La classe de Camille, Émile, et leur professeur, Luc, visitait la Cité de l'Océan.En: The class of Camille, Émile, and their teacher, Luc, was visiting the Cité de l'Océan.Fr: Émile, les mains dans les poches, regardait autour de lui.En: Émile, with his hands in his pockets, looked around.Fr: Il aimait la biologie marine.En: He liked marine biology.Fr: Mais sa peur de parler en public était forte.En: But his fear of public speaking was strong.Fr: Camille tapota sur l'épaule d'Émile.En: Camille tapped Émile on the shoulder.Fr: "Allez, Émile, ça va bien se passer," dit-elle avec un sourire.En: "Come on, Émile, it will be fine," she said with a smile.Fr: Dans le musée, les murs de verre laissaient voir l'océan.En: In the museum, the glass walls allowed a view of the ocean.Fr: Les expositions interactives fascinaient tout le monde.En: The interactive exhibits fascinated everyone.Fr: Émile regardait un aquarium rempli de poissons multicolores.En: Émile was watching an aquarium filled with multicolored fish.Fr: Son cœur battait vite.En: His heart was beating fast.Fr: Luc s'approcha de lui.En: Luc approached him.Fr: "Émile, tu veux présenter ce que tu sais sur les poissons à ton groupe ?"En: "Émile, do you want to present what you know about the fish to your group?"Fr: demanda Luc.En: Luc asked.Fr: Émile hésitait.En: Émile hesitated.Fr: Camille lui fit un clin d'œil encourageant.En: Camille gave him an encouraging wink.Fr: "D'accord," murmura Émile.En: "Alright," murmured Émile.Fr: Il savait que c'était sa chance.En: He knew it was his chance.Fr: Luc réunit un petit groupe d'élèves.En: Luc gathered a small group of students.Fr: Émile se tenait devant eux, les mains tremblantes.En: Émile stood in front of them, his hands trembling.Fr: Il prit une grande inspiration.En: He took a deep breath.Fr: "Les poissons-clowns, comme ceux-là," dit-il en montrant l'aquarium, "vivent dans des anémones pour se protéger."En: "Clownfish, like those," he said, pointing to the aquarium, "live in anemones to protect themselves."Fr: Au fur et à mesure qu'il parlait, son enthousiasme grandissait.En: As he spoke, his enthusiasm grew.Fr: Les élèves l'écoutaient attentivement.En: The students listened attentively.Fr: Émile oubliait ses peurs.En: Émile forgot his fears.Fr: Il parlait des requins, des tortues marines, et même des méduses.En: He talked about sharks, sea turtles, and even jellyfish.Fr: Quand il eut fini, le groupe applaudit.En: When he finished, the group applauded.Fr: Camille tapait des mains le plus fort.En: Camille clapped the loudest.Fr: Luc posa une main sur l'épaule d'Émile.En: Luc placed a hand on Émile's shoulder.Fr: "Bien joué, Émile," dit-il.En: "Well done, Émile," he said.Fr: "Tu as un vrai talent."En: "You have a real talent."Fr: Émile se sentait fier.En: Émile felt proud.Fr: Sa passion pour l'océan avait dépassé ses anxiétés.En: His passion for the ocean had overcome his anxieties.Fr: En quittant le musée, il regardait l'horizon.En: As he left the museum, he looked at the horizon.Fr: Il savait qu'il pouvait accomplir bien plus.En: He knew he could accomplish much more.Fr: Camille le taquina : "Alors, prochaine étape, devenir explorateur marin ?"En: Camille teased him: "So, next step, becoming a marine explorer?"Fr: Émile rit.En: Émile laughed.Fr: Oui, tout était possible.En: Yes, anything was possible. Vocabulary Words:the wind: le ventthe coast: la côteto crash: s'écraserthe waves: les vaguesthe rocks: les rochersexcited: surexcitéthe museum: le muséethe glass walls: les murs de verrethe aquarium: l'aquariummulticolored: multicoloreto beat (heart): battreto approach: s'approcherto hesitate: hésiterto encourage: encouragerto murmur: murmurerthe group: le groupeto tremble: tremblerto breathe: respirerthe anemones: les anémonesto protect: protégerthe enthusiasm: l'enthousiasmeto applaud: applaudirto tease: taquinerthe horizon: l'horizonthe explorer: l'explorateurto accomplish: accomplirthe talent: le talentto overcome: dépasserto know: savoirto listen: écouter
L'industrie automobile mondiale traverse une mutation historique, entre transition électrique, rivalités géopolitiques et pressions réglementaires. Nous vous proposons une plongée au cœur de cette révolution : un reportage exclusif au plus près des lignes de production de l'usine Volvo Cars à Gand (Belgique) et des analyses d'experts pour mieux comprendre les défis et les enjeux d'une filière en pleine recomposition. Reportage à l'usine Volvo Car Gent (Belgique) L'usine en chiffres :
Endlech Sonn! Wéi wier et dann am Februar scho mat Open-Air-Konscht? Ënner dem Titel "Storylines" si bis Enn Mee am ëffentlechen Espace zu Klierf eng hallef Dose Fotoexpoen ze gesinn. D'Ekipp vun der Cité de l‘image wollt mat hirem Choix verbildlechen, wéi Fotoe vum Liewen, vu Wandel an Emotiounen zielen, an datt se fir nei Geschichten an eise Käpp suerge kënnen. An den Arcadë vun der Grand-Rue kënnt Dir zum Beispill d'Serie “Die Sentimentalität der Dinge“ entdecken. Festgehalen huet déi d'Manon Diederich, ausgebilt Sozial- a Kulturanthropologin, haut fräischaffend Antidiskriminatiounstrainerin, mee och Autorin a Fotografin. Hir Klierfer Opnamen dokumentéieren Objeten an Erënnerungsstécker vu verschiddene Generatiounen, déi am Haus vun hirem Papp zeréckgelooss goufen. D'Kerstin Thalau ass vun der Manon Diederich méi doriwwer gewuer ginn.
In this episode of Talk'n the Beat, Sgt. Kevin Coates and Officer Larry Reynolds sit down with Lieutenant Craig Cole to discuss the Sterling Heights Police Department's Crisis Intervention Team, also known as CIT.CIT programs are designed to improve how law enforcement responds to individuals experiencing a mental health crisis. Officers complete a specialized 40 hour Crisis Intervention Team training course focused on de-escalation, recognizing signs of mental illness, and connecting individuals to treatment and community resources rather than defaulting to arrest. Lieutenant Cole explains how this approach helps calm situations, reduce risk for everyone involved, and create better outcomes for families.The department is also participating in a special needs registry that allows families to share important information in advance, helping officers respond more safely and appropriately when called to a home.This episode highlights how training, collaboration, and preparation are shaping a more thoughtful response to mental health emergencies in Sterling Heights.Send Your Questions to Sgt. Coates and Officer Reynolds!Email us at ttb@sterlingheights.gov and your question may be used in an upcoming podcast episode.
Logements mal isolés, eau et air pollués, canicule… les plus précaires sont les premières victimes de la dégradation de l'environnement mais ils sont aussi porteurs de solutions. Feris Barkart et Sanna Saïtouli, cofondateurs de « Banlieues climat » et le slameur Sendo sont nos invités ! - Feris Barkat, activiste, chargé de cours à la Sorbonne-Nouvelle, cofondateur de Banlieues Climat. - Sanaa Saitouli, cofondatrice de Banlieues Climat pour son ouvrage « Enracinée. Pour une écologie populaire avec Banlieues Climat », aux éditions Les Presses de la Cité. Et avec le slameur Sendo, connu sous le nom de « L'arbre qui pousse » sur les réseaux sociaux. Tous les trois incarnent une nouvelle génération d'artistes qui réfléchissent aux enjeux écologiques. Musiques diffusées dans l'émission ► Sendo - Sur ma tête ► Journal Rappé - OIL UNITED vs GREEN TEAM.
De Paris à Constantinople, des ateliers de couture qui habillent l'aristocratie parisienne, à la capitale de l'Empire ottoman, «La roseraie de Garabed» suit le destin d'une famille arménienne sur 3 générations. Un personnage, Rose, qui a tout fait pour protéger ses proches pourrait finalement être encore vivante et justifier un retour sur la terre des origines. Corinne Zarzavtdjian nous raconte cette quête et nous éclaire aussi sur cette période qui a précédé le génocide des Arméniens en 1915. Corinne Zarzavatdjian, autrice et comédienne, était l'invitée de Nathalie Amar sur RFI. « La Roseraie de Garabed » est à retrouver aux éditions Des Presses de la Cité. Au début du XXè siècle, la chronique généreuse d'une famille arménienne exilée à Paris. Et la quête éperdue d'un père qui revient vers leur terre perdue pour retrouver sa fille disparue dans les geôles de l'Empire ottoman. ► Chronique : Café Polar Catherine Fruchon-Toussaint a rencontré Fréderic Andrei pour « L'homme assis au carrefour de Chabottes » (La Manufacture de livres), un polar qui nous plonge dans l'univers des « sleuthers », nom des cyber-enquêteurs de plus en plus nombreux ces dernières années, des amateurs qui mènent des enquêtes criminelles sur internet parallèlement à la police qu'ils aident parfois. ► Playlist du jour - Ladaniva – Zepyuri nman - Souad Massi feat Gael Faye - D'ici de là-bas - Naïka - One track mind.
Stāsta komponists un kontrabasists Kristaps Pētersons; pārraides producente – Rūta Paula Svētdien, 2001. gada 7. janvārī ap 18:30 (vai varbūt 19:00 – nav tik būtiski) līdz 11. septembrim bija tālu. "Mudhoney" [1] intensīvi gatavojās savam 12. janvāra koncertam "Great American Music Hall" Sanfrancisko, Deivs Grols [2] – savai dzimšanas dienas ballītei 14. janvārī, bet flautiste Ilona Meija izpildīja Johana Sebastiāna Baha [3] Badinēriju no orķestra svītas Nr. 2 siminorā, BWV 1067. Noslēgumam tuvojās X Senās mūzikas festivāls Valmierā. Esmu pārliecināts, ka Ilonas atskaņojums saucams par stindzinoši spožu, tomēr ēterā pulsēja sajūta, ka ar to būs bijis par maz. Koncerta programma bija veidota ar orķestru numuriem sākumā un beigās, bet vidū mikromodelī – flauta un klavieres ar Badinēriju, ap kuru dažādu kameransambļu sniegumā bija savirknēti vēl vairāki citi izcilu komponistu darbi. Kāds varētu kritizēt, ka šis Baha darbs liekams koncerta sākumā, jo tas, ko mēs mūsdienās saucam par svītu, 18. gs. saskaņā ar franču tradīciju tika dēvēts par uvertīru – reprezentablu svētku mūziku galma publikai ar sākuma punktēto 'staccato' ritmu kā pavadījumu karaļa ienākšanai telpā. Šī forma esot pārņemta no Žana Batista Lullī [4], kurš Luija XIV galmā to tika noslīpēt smailu jo smailu. Nē. Valmierā bija republika. Vēl kāds varētu teikt, ka vārds 'badinerie' franču valodā nozīmē izsmiešanu, ņirgāšanos un, kad tāda tiek atskaņota, labāk izpildīt precīzi pēc autora norādēm, t.i., orķestrāli – flauta, stīgas un čembalo. Jo šādā mikromodelī zūd tembrālā krāsainība un arī telpiski skanējuma avots ir krietni koncentrētāks. Nē. Flautas un klavieru sniegumā daudz klārāk dzirdams, ka Baha mūzikas polifonijā visas balsis uzrakstītas kā personības arī tad, kad nav izvirzītas priekšplānā. "Liela krietnības nepieciešamība, ja vien jūs negribat izlikties to neredzam, ir uzlikta jums, jo jūs dzīvojat zem visuredzošā tiesneša acu skatiena," [5] – tā teicis Boēcijs [6]. Un vēl. Koncertā starp abiem orķestriem bija izveidota kameransambļu sekcija, sagrupēta ap ģeniālo Badinēriju – no formas viedokļa koncerts tātad simetrisks – orķestri kā divi pīlāri ar kamermūziku kā kodolu. Viss ir kārtībā ar šādu formu. Turklāt – atšķirībā no šodienas – 2001. gadā latviešu orķestrantiem vajadzēja atgādināt Baha polifonijas kvalitāti, cik iespējams grafiski, jo tolaik viņus (t.i., latviešu orķestrantus) laikam uztrauca galvenokārt tas, lai mamma neuzzina, ka viņi pīpē. 2025. gada 26. decembrī plkst. 00:01 ekonomikas komentētājs un mediju producents Kristaps Pētersons portālā delfi.lv publicēja šādus vārdus: "Tikai izglītība – nekas cits – izvedīs mūs no miglas!" [7]. Es tas neesmu, kas to saka, bet man viņam nākas piekrist. Mazu migliņu tolaik radījām. Mēs smēķējām "Bond", "L&M", "Marlboro", "Camel" – ko nu kurš (un neklausījāmies, kā 2001. gada 7. janvārī ap 18:30 Ilona Meija spēlē Baha Badinēriju – mēs būtu nākuši varbūt, ja to spēlētu kāda ārzemju zvaigzne, bet tad ieeja koncertos būtu jāliek par maksu, nevis par brīvu, kā tas jau no pašiem pirmsākumiem 1991. gadā bija visos Senās mūzikas festivālos Valmierā; un tad tas būtu cits festivāls – tāds, kur spēlē ārzemju zvaigzne, kuras fonā mēs brauktu nopelnīt savu honorāru – tas nebūtu nekas slikts – taču šeit mēs braucām savā brīvajā laikā, spēlējām par brīvu un no sirds [8]). Ilonas Meijas interpretācija [9] noteikti bija tērauda stiprumā, tomēr kaut kas pasaulē bija salūzis, un mēs to nedzirdējām. 2001. gada 7. janvārī pēkšņi līdz 11. septembrim nemaz vairs nebija tālu. Mēs visi esam saistīti, dažkārt tādos veidos, kurus ar prātu grūti aptvert. Šķiet, Bahs savā mūzikā atklāj to stiprāk nekā citi, jo aptverošāk. "Kad kādai balsij nav ko teikt, tai jāklusē," Bahs esot teicis. Šī Baha atziņa būtu bijusi tik noderīga Karlheincam Štokhauzenam [10], ja vien būtu to zinājis, kad viņš nosauca 11. septembra teroraktus ASV par dižāko jebkad eksistējušo mākslas darbu... Nevajag tā gvelzt, meistar, jo vārdu pa vārdam pasaule top. "In dem Maße, als die Genüsse zunehmen, nimmt die Empfänglichkeit für sie ab; Das Gewohnte wird nicht mehr als Genuss empfunden." (Artūrs Šopenhauers) [11] "Jo spēcīgākas baudas, jo vājāks jūtīgums. Tas, kas kļuvis ierasts, vairs nemodina baudu." [12] Avoti Raksts sagatavots, izmantojot Oksfordas mūzikas vārdnīcas, portālu concertarchives.org un bachvereniging.nl, Valmieras integrētās bibliotēkas, Valmieras zonālā Valsts arhīva un Valmieras muzeja materiālus [1] amerikāņu rokgrupa no Sietlas, izveidojusies 1988. g. [2] Grohl, Dave (dzimis Varrenā 1969. g.) amerikāņu dziesminieks, tagadējais grupas "Foo Fighters" līderis un kādreizējais grupas "Nirvana" bundzinieks [3] Bach, Johann Sebastian (dzimis Eizenahā 1685. g. – miris Leipcigā 1750. g.) vācu komponists un ērģelnieks [4] Lully, Jean-Baptiste (Lulli, Giovanni Batista) (dzimis Florencē 1632. g. – miris Parīzē 1687. g.) itāļu izcelsmes komponists, ilgus gadus kalpojis Francijas karaļa galmā kā karaliskās ģimenes mūzikas meistars [5] https://satori.lv/article/boecija-celas-grutibas [6] Boethius, Anicius Manlius Torquatus Severinus (dzimis Romā ap 475. g. – miris Pāvijā ap 525. g.) romiešu filozofs un matemātiķis, kurš sarakstījis "De institutione musica" – traktātu par grieķu mūziku [7] Kristaps Pētersons. "Tikai izglītība un nekas cits izvedīs mūs no miglas" (publikācija portālā "Delfi") [8] Senās mūzikas festivālu Valmierā (vēlāk: Ziemas mūzikas festivāls) nesavtīgi organizēja Valmieras Mūzikas skolas direktors Aivars Cepītis – savā brīvajā laikā, bez maksas un no sirds. Ļoti nozīmīgu pienesumu šī festivāla īstenošanā sniedza pianiste Jautrīte Putniņa (dzimusi Palsmanes pagasta “Rūpnieku” mājās 1929. g. – mirusi Valmierā 2017. g.), katru gadu festivālam gatavojot vairākas koncertprogrammas gan solo, gan kameransambļiem – savā brīvajā laikā, bez maksas un no sirds. Un vēl – festivāls notika pateicoties daudzu Valmieras mūzikas skolas pedagogu ieguldītajam brīvprātīgajam darbam [9] Ilona Meija spēlēja kopā ar Jautrīti Putniņu; Jautrīte muzicējot nekad neatkāpās no saviem pamatprincipiem – pamatīgas skaņdarba apguves – savā atmiņu grāmatā viņa raksta: "Galvenais kods – vibrēt, bet nevirzīties, apstāties un gaidīt laika un telpas izzušanu." Citāts no Putniņa J. "Saules mūzika", izd.: "Valters un Rapa", 412. lpp.: "Mana dzīve – viena vienīga šķēršļu trase" [10] Stockhausen, Karlheinz (dzimis Modrātē 1928. g. – miris Kurtenē 2007. g.) vācu komponists [11] Schopenhauer, Arthur (dzimis Gdaņskā 1788. g. – miris Frankfurtē 1860. g.) vācu filozofs; citāts no Šopenhauers A. "Parerga un paralipomena", 1851, I sējums, "Aforismi par dzīves gudrību", II: "Par to, kas cilvēkam pieder", §28 ("Parerga und Paralipomena", 1851, vol. I, "Aphorismen zur Lebenswisheit", II: "Von dem, was einer hat", §28) [12] Ievas Ginteres tulkojums
De Paris à Constantinople, des ateliers de couture qui habillent l'aristocratie parisienne, à la capitale de l'Empire ottoman, «La roseraie de Garabed» suit le destin d'une famille arménienne sur 3 générations. Un personnage, Rose, qui a tout fait pour protéger ses proches pourrait finalement être encore vivante et justifier un retour sur la terre des origines. Corinne Zarzavtdjian nous raconte cette quête et nous éclaire aussi sur cette période qui a précédé le génocide des Arméniens en 1915. Corinne Zarzavatdjian, autrice et comédienne, était l'invitée de Nathalie Amar sur RFI. « La Roseraie de Garabed » est à retrouver aux éditions Des Presses de la Cité. Au début du XXè siècle, la chronique généreuse d'une famille arménienne exilée à Paris. Et la quête éperdue d'un père qui revient vers leur terre perdue pour retrouver sa fille disparue dans les geôles de l'Empire ottoman. ► Chronique : Café Polar Catherine Fruchon-Toussaint a rencontré Fréderic Andrei pour « L'homme assis au carrefour de Chabottes » (La Manufacture de livres), un polar qui nous plonge dans l'univers des « sleuthers », nom des cyber-enquêteurs de plus en plus nombreux ces dernières années, des amateurs qui mènent des enquêtes criminelles sur internet parallèlement à la police qu'ils aident parfois. ► Playlist du jour - Ladaniva – Zepyuri nman - Souad Massi feat Gael Faye - D'ici de là-bas - Naïka - One track mind.
Logements mal isolés, eau et air pollués, canicule… les plus précaires sont les premières victimes de la dégradation de l'environnement mais ils sont aussi porteurs de solutions. Feris Barkart et Sanna Saïtouli, cofondateurs de « Banlieues climat » et le slameur Sendo sont nos invités ! - Feris Barkat, activiste, chargé de cours à la Sorbonne-Nouvelle, cofondateur de Banlieues Climat. - Sanaa Saitouli, cofondatrice de Banlieues Climat pour son ouvrage « Enracinée. Pour une écologie populaire avec Banlieues Climat », aux éditions Les Presses de la Cité. Et avec le slameur Sendo, connu sous le nom de « L'arbre qui pousse » sur les réseaux sociaux. Tous les trois incarnent une nouvelle génération d'artistes qui réfléchissent aux enjeux écologiques. Musiques diffusées dans l'émission ► Sendo - Sur ma tête ► Journal Rappé - OIL UNITED vs GREEN TEAM.
Emission présentée par Philippe Grimbert il reçoit Sylvie Chokron, Neuropsychologue et directrice de recherches au CNRS et à l'Université de Paris, créatrice d'un institut consacré au diagnostic et à la prise en charge des troubles neuropsychologiques, auteur de « Plongez dans votre cerveau. L'explorer, c'est l'apprivoiser » aux Presses de la Cité À propos du livre : « Plongez dans votre cerveau. L'explorer, c'est l'apprivoiser » paru aux Presses de la Cité Savoir comment fonctionne son cerveau pour mieux comprendre ses émotions au quotidien, grâce aux recherches les plus récentes de Sylvie Chokron, neuropsychologue et directrice de recherches au CNRS et à l'Université de Paris. Plus vous le connaîtrez, plus vous l'aimerez ! Votre cerveau aime-t-il le chocolat ? Pourquoi une promenade dans la nature ou un instant de silence lui font-ils tant de bien ? De quelle façon la contemplation d'un tableau, un match de football ou de la musique activent-ils vos circuits neuronaux ? Comment l'arrivée d'un enfant modifie-t-elle la physiologie du cerveau de ses parents ? Autant de questions essentielles auxquelles vient répondre cet ouvrage aussi complet qu'accessible. Car comprendre notre cerveau, c'est comprendre nos émotions, nos réactions au quotidien tout autant que face à l'imprévu. C'est aussi apprivoiser l'organe le plus mystérieux et complexe du corps humain. Neuropsychologue et directrice de recherches au CNRS et à l'Université de Paris, Sylvie Chokron a créé, à l'Hôpital Fondation Adolphe de Rothschild, un institut consacré au diagnostic et à la prise en charge des troubles neuropsychologiques aussi bien chez l'enfant que chez l'adulte. Auteure de plusieurs ouvrages sur le fonctionnement du cerveau dont Dans le cerveau de... (Presses de la Cité, 2024), elle publie régulièrement des chroniques consacrées à ses recherches dans Le Monde, et intervient dans Le Mag de la santé et dans Bel & Bien. Sylvie Chokron est neuropsychologue, directrice de recherches au CNRS et à l'Université de Paris. En parallèle de son activité de recherche et d'enseignement, elle a créé, à l'Hôpital Fondation Adolphe de Rothschild, un institut consacré au diagnostic et à la prise en charge des troubles visuels, spatiaux, attentionnels et cognitifs aussi bien chez l'enfant que chez l'adulte. Elle est chroniqueuse pour le journal Le Monde et Bel et Bien sur France 2, ainsi qu'auteure de plusieurs ouvrages sur le fonctionnement du cerveau.
L’oracle de la semaine, avec les cartes du Tarot de la Cité. Étoiles, chères étoiles. Le jeu pour cette semaine : Vie privée Carte Évidence écoute totale Indice : avec confiance, tout est heureux. Écouter fait clef et passage.... Continue Reading →
Voici une émission podcast. on part enquêter avec Gaia de la Cité ! //// Le direct a été impossible à prendre au moment //// des bisous ! Les cartes 80 5 56 10 31 avec Alain de... Continue Reading →
Quand des millions de documents se retrouvent au cœur d'un bras de fer entre la RDC, la Belgique et une société américaine. À Tervuren, à quelques kilomètres de Bruxelles, une partie des archives géologiques de la RDC dort dans le sous-sol de l'AfricaMuseum. Kinshasa réclame la numérisation de ces documents, un processus que l'État belge a démarré au début du mois. Mais une société minière américaine souhaite réaliser elle-même ce travail, ce que refuse la Belgique. C'est un voyage dans le temps qui commence d'abord sous terre. Une fois un dédale d'escaliers et de couloirs traversé, il faut franchir une porte, protégée par un code, pour accéder aux archives de l'AfricaMuseum, ancien Musée royal de l'Afrique centrale. Là, un demi-kilomètre de documents, de dossiers et de photos sont méticuleusement rangés dans de grandes armoires en fer gris. « Cinq cents mètres, ça représente entre trois et quatre millions de documents », glisse François Kervyn, géologue et chef du département des Sciences de la Terre du musée. À Tervuren, à plus de 6 000 km de Kinshasa, ces armoires renferment certaines des archives géologiques de la République démocratique du Congo. « Ces documents sont arrivés chez nous suite à la cessation d'activité de compagnies minières, explique François Kervyn. Ce sont aussi des travaux de géologues partis à la retraite et souhaitant laisser leur patrimoine intellectuel à notre institution. Il y a aussi des travaux de recherche réalisés par des géologues du musée après la période coloniale et d'autres réalisés par des chercheurs congolais ou africains. » Des cartes dessinées à la main, des rapports tapés à la machine à écrire et des milliers de photos qui détaillent soigneusement le contenu du sous-sol congolais. 2 millions d'euros d'investissement Une véritable mine d'or qui intéresse les autorités congolaises. Jusqu'à présent, ces archives étaient disponibles sur commande, « sollicitées de manière épisodique par des chercheurs qui souhaitent travailler sur des zones précises », raconte François Kervyn. « Nous avons ressenti les limites de cette approche, se souvient Bart Ouvry, le directeur de l'AfricaMuseum. On s'est rendu compte que la digitalisation est la manière la plus efficace de partager ces archives, afin que n'importe quel chercheur, où qu'il soit, puisse y avoir accès. » Le service géologique de la RDC a d'ailleurs demandé la numérisation de ces archives, mais compte tenu de leur volume, à l'époque, il était impossible pour le musée de s'exécuter immédiatement. « Nous n'avions pas assez de personnel », explique François Kervyn. Tout a changé lorsque l'AfricaMuseum a obtenu des financements de l'Union européenne : au début du mois de février, quatre géologues ont été recrutés et vont être rejoints le 1er mars par quatre archivistes et un informaticien. Un investissement d'environ deux millions d'euros pour mener à bien, en trois ans, la numérisation des archives, en se concentrant sur des zones prioritaires, définies par les autorités congolaises. Une société américaine veut aller plus vite D'ici 2029, le musée devrait avoir mis sur pied une base de données, après l'inventaire et la numérisation de ces centaines de milliers de documents. Un délai trop long, au goût de certains acteurs. Ainsi, en juillet dernier, le directeur général de la société américaine KoBold Metals en RDC, Benjamin Katabuka, a signé un accord avec Kizito Pakabomba, le ministre congolais des Mines, pour « lancer un programme d'exploration minière à grande échelle » en RDC. Parmi les clauses de cet accord de principe, la société, soutenue entre autres par Bill Gates, s'engage à déployer « une équipe aux archives géologiques de la RDC conservées au Musée royal de l'Afrique centrale pour commencer la numérisation des documents avant le 31 juillet 2025 ». Pour Bart Ouvry, le directeur du musée, il est impensable qu'une société étrangère pénètre dans les archives. « Nous sommes une institution publique qui travaille dans un objectif scientifique. Nous reconnaissons l'intérêt économique pour le Congo et notre but, c'est de transférer des données aux autorités congolaises et pas au bénéfice d'une seule société, quelle que soit sa nationalité. » L'AfricaMuseum est d'ailleurs soutenu dans sa démarche par le gouvernement belge. Citée par nos confrères de la RTBF, Vanessa Matz, la ministre en charge du Numérique et de la Politique scientifique, affirme que « la Belgique ne peut accorder un accès privilégié et exclusif à une société privée étrangère avec laquelle elle n'a aucun lien contractuel […]. La mise à disposition des archives doit s'effectuer selon les règles belges et européennes applicables, dans un cadre scientifique, non exclusif et non privatif. »
Host: Cindy Allen Published: February 20, 2026 Length: ~18 minutes Presented by: Global Training Center Summary “Tariff Friday” may go down as one of the most pivotal days in recent trade history. In this episode of Simply Trade: Cindy's Version, Cindy Allen breaks down the U.S. Supreme Court's 6–3 decision ruling that IEEPA does not authorize the President to impose tariffs. The Court found that the authority to levy taxes and tariffs belongs to Congress, and that the term “regulate” under IEEPA does not include the power to raise revenue. Inspired by Taylor Swift's Opalite, Cindy walks through what the ruling actually says, what it does not say, and what importers and customs brokers should do right now while awaiting further instruction from the Court of International Trade (CIT) and CBP. The decision may have brought sunlight—but operational clarity will take time. This Week in Trade (Before the Ruling) • Awaiting details on Taiwan 15% MFN (or higher) structure • Pending clarification on India IEEPA reciprocal adjustment (25% to 18%) • Indonesia agreement announced with 19% tariff and textile tariff-rate quota • No movement on elimination of First Sale • No further action on ending IEEPA on Canada • U.S. manufacturing indicators down; stock market up The Supreme Court Decision The Supreme Court issued a 6–3 opinion finding that IEEPA does not grant authority to impose tariffs. Key findings: • IEEPA contains nine enumerated action verbs — none include taxing or raising revenue • Congress alone holds the constitutional authority to levy tariffs • Specific delegated authorities (Sections 301, 232, 122, 338) include limitations and procedural controls • Because Congress created these specific tariff authorities, a broad IEEPA tariff authority cannot be implied • During peacetime, the President does not have independent tariff authority The Court remanded the case back to the lower court — likely the U.S. Court of International Trade (CIT) — which must now issue implementation instructions. What We Still Don't Know • When the CIT will issue instructions • When (or if) CBP will suspend IEEPA tariff collection • Whether refunds will be automatic or require action • Whether de minimis is affected • Whether related trade agreements tied to IEEPA remain intact • Whether the administration pivots to Section 122 or 338 authorities What Importers Should Do Right Now Cindy's recommendation is clear: Continue paying duties until formal CBP guidance is issued. Why? • Duties were in effect at time of entry • Monthly statement entries could otherwise be considered unpaid • CBP systems still contain IEEPA tariff numbers and edit checks • Programming updates will take time Stopping payment prematurely could create compliance risk. Refunds, when issued, will likely require formal action — potentially protests, post-summary corrections, or other ACE updates. Given the volume of entries involved, automatic refunds appear unlikely. Key Takeaways • IEEPA tariffs have been ruled unlawful for revenue purposes • Congress retains sole tariff authority • Operational changes will depend on CIT and CBP implementation • Continue paying duties until official guidance is issued • Refund mechanics remain unclear • Trade professionals must remain disciplined and patient Resources & Mentions • Global Training Center • TradeForce Multiplier • U.S. Supreme Court Opinion (24-1287) Credits Host: • Cindy Allen – LinkedIn • TradeForce Multiplier Producer: • Lalo Solorzano – LinkedIn Subscribe & Follow New episodes every Friday. Presented by Global Training Center — providing education, consulting, workshops, and compliance resources for trade professionals. • Simply Trade Podcast on LinkedIn • Global Training Center on LinkedIn • YouTube • Spotify • Apple Podcasts • Trade Geeks Community
Enfant unique d'une modeste famille varoise, David se dirige naturellement vers le Rugby Club Toulonnais dès son plus jeune âge !Malgré un amour immodéré pour le football américain et bien qu'également très doué dans cette discipline, c'est à l'adolescence que son choix se portera, peut-être malgré lui, en direction du rugby.Capitaine des Reichel Toulonnais et des équipes de France jeunes, il prend alors la direction de Bègles où il éclora au plus haut niveau. Capé avec le XV de France à seulement 21 ans, David rejoint par la suite le Stade Toulousain avec qui il remportera le Bouclier de Brennus en 2001 et deux Coupes d'Europe, en 2003 et 2005.C'est alors qu'il traverse la Manche pour découvrir le rugby britannique à Northampton, avant de vivre l'aventure d'un Racing Métro 92 grandissant. Il terminera sa carrière en 2011, après avoir pris part au très ambitieux, mais éphémère projet marseillais.Reconverti entraîneur, ce grand bonhomme a vécu de grandes aventures avec les filles de l'Avenir Fonsorbais, devenues Stade Toulousain, où il entraînait par ailleurs les Crabos.Par la suite en poste à Béziers, il a évolué à Lyon puis à Montauban, avant de s'engager avec la sélection portugaise en vue de la Coupe du Monde 2023 !Aujourd'hui sélectionneur d'une équipe de Roumanie qu'il a qualifiée pour la Coupe du Monde 2027, il a décidé de s'impliquer dans la vie locale de la Cité qui l'a vu grandir.En véritable puits d'anecdotes, David est un passeur d'émotions !Je me suis régalé au cours de ce très long échange.Bonne écoute !-----------------------------
Two major exhibitions in the year 2024 at the Cité de l'Architecture in Paris, France and the work and careers of the curators are related in this Com d'Archi. Indeed, La Cité de l'architecture et du patrimoine is getting into the games spirit with two exhibitions in 2024 that take visitors through the experience of sport in and out of stadiums through the prism of architecture.With Il était une fois les stades or Once upon a time, stadiums visitors can trace the evolution and revolutions of stadiums from the early 20th century to the present day. In 2023, architecture students have been invited to build nomadic sports fields in urban spaces.Quand la ville se prend aux jeux or When the city plays games will exhibit the winners of the ninth edition of Mini Maousse.Image teaser DR © Com d'Archi PodcastWith the voice of EstherSound engineering : Bastien Michel___If you like the podcast do not hesitate:. to subscribe so you don't miss the next episodes,. to leave us stars and a comment :-),. to follow us on Instagram @comdarchipodcast to find beautiful images, always chosen with care, so as to enrich your view on the subject.Nice week to all of you ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country. You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties. Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text 1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review" For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold 0:01 welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education. Corey Coates 0:30 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Keith Weinhold 1:14 mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com Speaker 1 2:17 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 2:33 Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession, Speaker 2 4:23 you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be. Speaker 3 4:34 Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed. Keith Weinhold 5:43 Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition. Keith Weinhold 10:48 Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today. Keith Weinhold 14:38 I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down, Jim Sheils 15:35 yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing. Keith Weinhold 17:11 Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region. Jim Sheils 17:20 Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want. Keith Weinhold 19:15 That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today. Jim Sheils 20:22 Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market. Keith Weinhold 20:47 Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years. Jim Sheils 21:05 Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago. Keith Weinhold 22:47 Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that. Jim Sheils 23:14 I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well. Keith Weinhold 24:42 We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. 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Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com Ken McElroy 27:26 this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream. Keith Weinhold 27:40 Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida. Jim Sheils 28:39 Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region. Keith Weinhold 30:59 It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side, Jim Sheils 31:17 depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary. Keith Weinhold 31:38 Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones. Jim Sheils 32:09 One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is Keith Weinhold 34:50 for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down? Jim Sheils 35:07 You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal. Keith Weinhold 36:18 Tell us more about the property types, new build single family homes, new build duplexes. Jim Sheils 36:23 You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex. Keith Weinhold 37:13 We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that? Jim Sheils 37:35 Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis. Keith Weinhold 38:09 That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well. Jim Sheils 38:16 There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up. Keith Weinhold 38:59 We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on. Jim Sheils 39:38 Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy. Keith Weinhold 42:48 I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties? Jim Sheils 43:26 Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense Keith Weinhold 45:09 to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week? Jim Sheils 46:52 I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of. Keith Weinhold 47:13 You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show. Jim Sheils 47:21 Thanks for having me, Keith. Keith Weinhold 47:27 Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 5 51:00 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. Keith Weinhold 51:29 The preceding program was brought to you by your home for wealth, building, get richeducation.com
Du 20 mars au 16 septembre 2024, la Cité de l'Architecture et du Patrimoine à Paris donne à voir deux expositions en lien avec les évènements liés aux Jeux Olympiques 2024 : Mini Maousse 9 2024 : LES JEUX EN VILLE et IL ÉTAIT UNE FOIS LES STADES.Comment créer des lieux conviviaux et familiaux dans les zones les plus éloignées des JO, dans les quartiers sensibles ? Comment inclure la jeunesse des cités et des territoires dans cette grande fête mondiale du sport ? Comment encourager l'activité physique par la pratique d'un sport ? Le concours Mini Maousse 9 contribue à la réflexion et propose d'imaginer des micro-architectures de proximité, des mini fan zones nomades à destination des cités sensibles de Saint-Denis pour favoriser la participation des habitants aux Jeux olympiques. L'approche du concours est très précisément montré à la Cité de l'architecture.Avec l'exposition "Il était une fois les stades", la Cité de l'architecture et du patrimoine questionne l'un des lieux emblématiques du sport : le stade. L'exposition propose d'en retracer l'évolution depuis l'invention du stade moderne au début du XXe siècle jusqu'à sa mondialisation. L'exposition plonge le visiteur dans une ambiance dynamique pour lui faire ressentir l'expérience cathartique du sport. Chacun est ainsi interrogé sur sa propre perception du stade, ce terrain d'herbe aux dimensions immuables, devenu monument…Dans ce numéro de Com d'Archi, les deux commissaires d'exposition Fiona Meadows et Émilie Regnault viennent témoigner. Bien que de tempérament très différent, l'une tout en retenue, l'autre dans une expression extravertie et libératrice, d'une brillante complémentarité, elles ont accepté de livrer leurs parcours respectifs. C'est ainsi que l'on comprends, à l'écoute de leurs témoignages, comment elles sont arrivées à recevoir la responsabilité de ces expositions phares.Surtout, elles nous emmènent progressivement dans la matière de leurs travail et expositions respectives, nous en révélant ainsi la substantifique moelle. A préciser, la Cité de l'Architecture représente un spot incontournable du rendez-vous olympique 2024 ! Nous encourageons tous les publics à aller la voir tant qu'il est encore temps car chacun peut y trouver un intérêt : de la coupe qui est passée entre les mains des champions de football aux maquettes des fans zones, en passant pas les maquettes des stades tout en assistant aux évènements depuis la cité.La Cité de l'Architecture et du Patrimoine1, place du Trocadéro et du 11 Novembre 75016 ParisImages teaser DR © à gauche CITE ARCHITECTURE - LES STADES-EMILIE REGNAULT ; à droite Fiona Meadows © Edouard Richard MAIFIngénierie son : Bastien Michel____Si le podcast COM D'ARCHI vous plaît n'hésitez pas :. à vous abonner pour ne pas rater les prochains épisodes,. à nous laisser des étoiles et un commentaire, :-),. à nous suivre sur Instagram @comdarchipodcast pour retrouver de belles images, toujours choisies avec soin, de manière à enrichir votre regard sur le sujet.Bonne semaine à tous! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
Hier, en fin de journée, raconte Le Parisien dimanche, « Jack Lang a fini par démissionner » de la présidence de l'Institut du monde arabe, prestigieuse institution qu'il dirigeait depuis 2013. « L'issue était inéluctable », dit un proche du ministre des Affaires étrangères, Jean-Noël Barrot, qui avait convoqué Jack Lang, ce dimanche. L'ancien ministre a donc pris les devants. « Cité à 673 reprises dans les dossiers Epstein, rappelle La Tribune Dimanche, Jack Lang est sommé de s'expliquer. (…) À 86 ans, l'icône des années Mitterrand plaide la naïveté. Mais peut-on plaider l'innocence quand on qualifie Epstein "d'homme charmant", "passionné par l'art et culture" ? », interroge le journal, qui analyse ainsi la situation sur le plan international : « À mesure que se dévoilent peu à peu les millions de mails issus de la correspondance du pédocriminel américain, le scandale change de nature : d'une affaire judiciaire, il devient un révélateur politique mondial. » « Depuis une semaine, la planète tremble. » À lire aussiFrance : englué dans l'affaire Epstein, Jack Lang «propose» sa démission de l'Institut du monde arabe La CIA et la Maison Blanche L'Express a enquêté sur la CIA, sous « le règne » de Donald Trump... « Les espions de Trump inquiètent l'Europe », nous dit l'hebdomadaire, qui pose la question : « Alliés ou ennemis ? Habitués à évoluer sous perfusion de la puissante agence de renseignement américaine, les agents secrets du Vieux Continent tentent de sortir du piège tendu par le locataire de la Maison Blanche. » L'Express explique « avoir interrogé une quarantaine de dirigeants ou cadres des services secrets de nombreux pays d'Europe et des États-Unis : un même constat émerge, nourri d'une année de glissement, du discours hostile du vice-président américain J. D. Vance le 14 février 2025 à Munich, aux menaces de moins en moins voilées de Donald Trump d'envahir le territoire danois du Groenland : les Européens doivent apprendre à se passer du concours de la CIA. Et envisager désormais l'allié de toujours comme un rival, voire un ennemi potentiel ». « À la CIA, explique l'ex-officier Mark Bent, « on travaille non pas pour l'administration ni pour le gouvernement, mais pour la Maison Blanche. » Un « ancien haut responsable de l'espionnage français », interrogé sur l'enlèvement de Nicolas Maduro au Venezuela, lors d'une opération éclair, le mois dernier, renchérit : « D'ordinaire, les services de renseignement sont là pour informer et influencer les décisions politiques sur le long terme. Donald Trump les utilise en businessman : il fait des coups. » « Une opposition inédite » M consacre un long article aux familles des ex-otages israéliens. Le supplément du Monde évoque « l'amère victoire des familles d'otages face au pouvoir ». « Pendant huit cent quarante-trois jours, ces familles se sont employées à convaincre le gouvernement de Netanyahu de préférer la voie de la négociation avec le Hamas, plutôt que celle des bombardements meurtriers à Gaza, mettant en péril la vie des captifs. Jusqu'à incarner une opposition inédite en Israël », explique M. « En septembre 2025 », rappelle le supplément du Monde, « le Forum des familles d'otages tente le tout pour le tout. Lors des rassemblements hebdomadaires, il multiplie les adresses directes à Donald Trump, le seul à même de faire plier Netanyahu ». En octobre, « les 20 otages encore en vie sont libérés et 27 des 28 dernières dépouilles rendues ». M a interrogé Ksenia Veltlova, chercheuse pour le groupe de réflexion britannique Chatham House : elle parle « de la plus grande campagne jamais menée par la société civile en Israël, qui a sans doute permis de mobiliser une grande partie de la population ». Humour latino Courrier International nous fait découvrir Marcello Hernandez, « un comédien de 28 ans, d'origine cubaine et dominicaine ». « C'est le fils d'immigrés latinos qui fait rire les Américains », explique Courrier international (…) « C'est le jeune prodige de l'humour le plus en vue en ce moment aux États-Unis, fils d'une mère cubaine et d'un père dominicain, il est la nouvelle coqueluche de l'émission culte Saturday Night Live, (…) il présente un personnage particulièrement intéressant, à l'heure où les diasporas latino-américaines sont ciblées par les violentes politiques de l'administration Trump. » « Marcello Hernandez réhumanise les immigrés latino-américains, poursuit Courrier international, en racontant des anecdotes de son enfance avec un personnage de "fils à maman", lui qui a grandi avec une mère célibataire à Miami, où habite une forte diaspora cubaine et latino-américaine. » Une journaliste portoricaine du site The Latino Newsletter fait part de son enthousiasme, dans le contexte actuel. « Je me suis reconnue dans son humour et surtout dans ce qu'il dit sur la condition de Latino sous Trump, à l'ère Maga (Make America Great Again), explique-t-elle, alors que nous sommes assiégés en permanence par la xénophobie et le racisme. Le pire, le plus violent, étant de ne pas comprendre ce qui nous vaut tant de haine ».
Is the Montreal office market truly recovering, or is it just a temporary illusion? In this episode of Espace Montreal, Axel Monsaingeon sits down with André Plourde, Executive Vice President and one of the most influential brokers in the Montreal market, to break down 35 years of real estate cycles, crises, and comebacks. From Cité du Multimédia to Place Ville-Marie and trophy office buildings, André shares a ground-level reading of the market, the mistakes property owners must avoid, the new expectations of tenants, and why some buildings are winning while others are falling behind. An essential episode for anyone who wants to understand where the office market in Montreal is really headed in 2026 and beyond. Topics & Timestamps
À 38 ans, Stephen Alamo est aujourd'hui le seul médecin français à travailler au sein de l'Agence Spatiale Européenne. Un poste aussi rare que convoité, au cœur de l'une des aventures humaines et scientifiques les plus exigeantes qui soient. À quelques jours du départ de Sophie Adenot pour la Station spatiale internationale, il nous raconte son métier hors norme, exercé au plus près des astronautes. Un rôle essentiel qui les amène à les accompagner à chaque étape d'une mission : de la sélection et des tests d'aptitude physique, à la préparation mentale, en passant par la quarantaine imposée avant le décollage. Il suit également les équipages pendant leur séjour dans l'espace, avec des consultations menées en lien direct avec l'ISS, avant de les accompagner à leur retour sur Terre. Un travail de l'ombre, entre rigueur médicale, exigence psychologique et gestion de l'extrême, au service de celles et ceux qui repoussent les limites humaines. + au téléphone Olivier Sanguy, rédacteur en chef du site d'actualité de la Cité de l'Espace à Toulouse, qui va tout nous dire sur les prochains grands projets spatiaux à venir Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.
In this English-language episode of Com d'Archi, we present a focused synthesis of an in-depth interview with Julien Bargeton, President of the Cité de l'Architecture et du Patrimoine, France's national institution dedicated to architecture, heritage, and contemporary creation.Through his personal and professional journey, Julien Bargeton reflects on architecture as more than a technical field. He presents it as an artistic, social, and civic discipline—one that shapes our bodies, our daily lives, and the way societies understand themselves.This episode explores the mission of a major public cultural institution: making architecture accessible without simplifying it, encouraging dialogue with other art forms, and engaging with today's urgent challenges, from ecological transition to the protection and reconstruction of heritage in times of conflict.An episode for listeners interested in architecture, culture, public institutions, and the powerful—often invisible—role of the built environment in shaping collective life.Read by Esther GreslinAudio production comdarchipodcastTeaser image © Denys Vinson / Inside the Cité de l'Architecture et du Patrimoine___If you like the podcast do not hesitate:. to subscribe so you don't miss the next episodes,. to leave us stars and a comment :-),. to follow us on Instagram @comdarchipodcast to find beautiful images, always chosen with care, so as to enrich your view on the subject.Nice week to all of you ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
Dans ce nouvel épisode de Com d'Archi, Anne-Charlotte reçoit Julien Bargeton, président de la Cité de l'Architecture et du Patrimoine.Cet entretien explore le parcours de Julien Bargeton, entre service public, engagement culturel et responsabilités institutionnelles, ainsi que la manière dont l'architecture s'est imposée progressivement comme un champ de réflexion essentiel dans son itinéraire. Il revient sur son rapport personnel à la ville, à l'histoire bâtie, et à la lecture des traces laissées par les usages, les formes et les choix politiques dans l'espace urbain.L'épisode aborde ensuite la mission et les orientations de la Cité de l'Architecture et du Patrimoine : faire comprendre l'architecture au plus grand nombre, croiser patrimoine et création contemporaine, ouvrir le dialogue avec les autres formes d'Art, et accompagner les débats qui traversent aujourd'hui la discipline.Sont également évoqués les grands enjeux contemporains de l'architecture : transition écologique, transformation des pratiques professionnelles, rôle social de l'architecte, transmission aux jeunes générations, ainsi que la protection et la reconstruction du patrimoine en contexte de crise et de conflit.Un échange approfondi, accessible et engagé, pour mieux comprendre l'architecture comme art du quotidien, discipline collective et clé de lecture de notre monde contemporain.Conseil audio NyreImage teaser © Capa / Portrait de Julien Bargeton, président de la Cité de l'Architecture et du Patrimoine___Si le podcast COM D'ARCHI vous plaît n'hésitez pas :. à vous abonner pour ne pas rater les prochains épisodes,. à nous laisser des étoiles et un commentaire, :-),. à nous suivre sur Instagram @comdarchipodcast pour retrouver de belles images, toujours choisies avec soin, de manière à enrichir votre regard sur le sujet.Bonne semaine à tous ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
durée : 00:53:52 - Certains l'aiment Fip - À l'occasion de la sortie de son film "Furcy, né libre", nous invitons le musicien, écrivain et cinéaste, qui a déjà réalisé "Qu'Allah bénisse la France" ou des séries "Cités" et "9.3 BB". Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.
When "content" gets contentious. New lawsuit in CIT over CBP's valuation practice for 232 steel and aluminum. Listen for more on Two Minutes in Trade.
durée : 01:29:04 - À La Folle Journée de Nantes 2026 (les fleuves) - par : Aurélie Moreau - En direct de la Cité des Congrès avec les pianistes Etsuko Hirose, Stella Almondo et Pascal Amoyel, ainsi que la violoniste Fanny Clamagirand, quatre remarquables interprètes, parmi les brillants musiciens réunis pour 270 concerts en 5 jours. - réalisé par : Adrien Roch Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.
In this January wrap up edition of the public law podcast, Jasveer Randhawa is joined by HSF Kramer partners Nusrat Zar and James Wood. Together, they discuss the extent to which a contractual context limits the scope of judicial review by reference to the case of Rydon Group Holdings, before delving into a challenge brought under the European Convention on Human Rights in Greenpeace Nordic v Norway. They then touch on the second subsidy control case brought to the Competition Appeal Tribunal since the introduction of the Subsidy Control Act 2022. To conclude, they discuss the FCA's approach to publicity surrounding investigations in CIT v FCA, and the Court of Appeal's clarification of the compensation rights available under the National Security and Investment Act 2021 where national security interventions interfere with property rights. Speakers: Jasveer Randhawa (Knowledge Counsel), Nusrat Zar (Partner), and James Wood (Partner). You can find out more about the cases covered in this podcast on our blog at the following links: Contractual context limits scope of judicial review – but where does it leave us? https://www.hsfkramer.com/notes/publiclaw/2025-posts/contractual-context-limits-scope-of-judicial-review European Court of Human Rights adds to growing body of climate change caselaw https://www.hsfkramer.com/notes/publiclaw/2025-posts/european-court-of-human-rights-adds-to-growing-body-of-climate-change-caselaw New insights into legal challenges under the Subsidy Control Act 2022 https://www.hsfkramer.com/notes/publiclaw/2025-posts/new-insights-into-legal-challenges-under-the-subsidy-control-act-2022 High Court dismisses challenge to Naming Announcement by the FCA https://www.hsfkramer.com/notes/publiclaw/2025-posts/high-court-dismisses-challenge-to-naming-announcement-by-the-fca Court of Appeal clarifies compensation rights under the National Security and Investment Act 2021 https://www.hsfkramer.com/notes/publiclaw/2025-posts/court-of-appeal-clarifies-compensation-rights-under-the-national-security-and-investment-act-2021
Fluent Fiction - French: Unveiling Secrets: A Mystery Under Paris's Notre-Dame Find the full episode transcript, vocabulary words, and more:fluentfiction.com/fr/episode/2026-01-21-23-34-02-fr Story Transcript:Fr: La neige tombait doucement sur Paris, recouvrant la ville d'un manteau blanc.En: The snow was gently falling on Paris, covering the city with a white blanket.Fr: La cathédrale de Notre-Dame, majestueuse et imposante, se dressait au centre de l'île de la Cité.En: The Notre-Dame Cathedral, majestic and imposing, stood in the center of the Île de la Cité.Fr: Les touristes, emmitouflés dans leurs manteaux, se pressaient à l'intérieur, attirés par la beauté des vitraux éclatants et l'atmosphère millénaire des lieux.En: Tourists, bundled up in their coats, were crowding inside, drawn by the beauty of the brilliant stained glass windows and the millennial atmosphere of the place.Fr: Émilie, une historienne de l'art passionnée et curieuse, se tenait à l'arrière du groupe.En: Émilie, a passionate and curious art historian, stood at the back of the group.Fr: Elle écoutait Thibault, le guide touristique, raconter l'histoire de la cathédrale.En: She was listening to Thibault, the tour guide, tell the history of the cathedral.Fr: Thibault, bien qu'un peu réservé, captivait les visiteurs par sa voix calme et ses anecdotes fascinantes.En: Although a bit reserved, Thibault captivated the visitors with his calm voice and fascinating anecdotes.Fr: À côté, Jules, un touriste aux yeux toujours en mouvement, prenait des photos tout en écoutant.En: Next to him, Jules, a tourist with ever-roving eyes, was taking photos while listening.Fr: Mais soudain, un murmure traversa la foule.En: But suddenly, a murmur went through the crowd.Fr: Une personne avait disparu.En: A person had disappeared.Fr: C'était un homme, dit-on, vêtu d'un manteau gris.En: It was a man, they said, dressed in a gray coat.Fr: Thibault, étant le dernier à lui avoir parlé, était regardé avec suspicion.En: Thibault, being the last to have spoken with him, was looked at with suspicion.Fr: Émilie, intriguée, se sentit poussée à enquêter.En: Émilie, intrigued, felt compelled to investigate.Fr: Après la fin du tour, Émilie choisit de rester.En: After the tour ended, Émilie chose to stay.Fr: Elle approcha Thibault.En: She approached Thibault.Fr: "Je veux comprendre ce qui s'est passé", dit-elle avec détermination.En: "I want to understand what happened," she said with determination.Fr: Thibault, conscient des regards suspicieux, accepta de l'aider.En: Thibault, aware of the suspicious glances, agreed to help her.Fr: Ensemble, ils cherchèrent des indices parmi la foule qui se dissipait peu à peu.En: Together, they searched for clues among the crowd that gradually dispersed.Fr: Jules, bien qu'un peu nerveux, se joignit à eux, proposant d'examiner les lieux où la personne avait été vue pour la dernière fois.En: Jules, although a bit nervous, joined them, suggesting they examine the areas where the person had last been seen.Fr: En explorant une vieille aile de la cathédrale, ils découvrirent par hasard une pierre qui semblait différente.En: While exploring an old wing of the cathedral, they accidentally discovered a stone that seemed different.Fr: Émilie, poussée par une intuition, appuya sur la pierre.En: Émilie, driven by intuition, pressed on the stone.Fr: Lentement, un passage secret apparut.En: Slowly, a secret passage appeared.Fr: Émerveillés, ils entrèrent.En: Amazed, they entered.Fr: Dans une petite pièce à peine éclairée, ils trouvèrent l'homme disparu, désorienté mais sauf.En: In a small, dimly lit room, they found the missing man, disoriented but safe.Fr: Il avait accidentellement déclenché le mécanisme de cette pièce secrète, restée inconnue pendant des siècles.En: He had accidentally triggered the mechanism of this secret room, which had remained unknown for centuries.Fr: Rassurée, Émilie expliqua tout.En: Reassured, Émilie explained everything.Fr: Thibault était innocent, et l'homme disparu n'avait tout simplement pas suivi le groupe.En: Thibault was innocent, and the missing man had simply not followed the group.Fr: Grâce à son instinct et à l'aide de ses nouveaux amis, le mystère était résolu.En: Thanks to her instinct and the help of her new friends, the mystery was solved.Fr: La cathédrale, avec ses ombres anciennes et ses mystères bien gardés, les avait liés d'une amitié inattendue.En: The cathedral, with its ancient shadows and well-guarded mysteries, had bound them in an unexpected friendship.Fr: Émilie, plus sûre de ses talents d'enquêtrice, prenait fièrement le chemin du retour, accompagnée de Thibault et Jules, prêts pour de nouvelles aventures.En: Émilie, more confident in her investigative talents, proudly took the road back, accompanied by Thibault and Jules, ready for new adventures.Fr: La neige continuait de tomber, et Notre-Dame restait aussi énigmatique que jamais.En: The snow continued to fall, and Notre-Dame remained as enigmatic as ever. Vocabulary Words:the blanket: le manteaumajestic: majestueuseimposing: imposantethe island: l'îlethe stained glass window: le vitrailbrilliant: éclatantmillennial: millénairethe historian: l'historiennethe guide: le guidereserved: réservéfascinating: fascinantesthe murmur: le murmurethe crowd: la foulethe suspicion: la suspicionintrigued: intriguéeto investigate: enquêterto search: chercherthe clue: l'indiceto disperse: se dissiperthe wing: l'ailethe stone: la pierrethe intuition: l'intuitionto press: appuyerthe passage: le passagedisoriented: désorientéto trigger: déclencherthe mechanism: le mécanismeto reassure: rassurerinnocent: innocentenigmatic: énigmatique
Text a Message to the ShowToday we're talking about Crisis Intervention Teams and the work they do to free up police resources for other jobs. Our guest today is a CIT officer and instructor I met at a training I went to this last year. His name is JD Pettey and he's a thirty year officer with about a decade specifically working with co-responders (the community behavioral health liaisons) to help people in need because of addiction and mental health problems. JD has a tremendous amount of experience and you're going to want to catch what he says is valuable about having officers who specifically specialize in CIT areas.Music is by Alexander NakaradaHey Chaplain Podcast Episode 132Tags:CIT, Addiction, Army, Career, Co-Responders, Crisis, Mental Health, Police, Psychosis, Substance Abuse, Training, Veterans, Kansas City, Kansas, MissouriSupport the showThanks for Listening! And, as always, pray for peace in our city.Subscribe/Follow here: Apple Podcasts: https://podcasts.apple.com/us/podcast/hey-chaplain/id1570155168 Spotify: https://open.spotify.com/show/2CGK9A3BmbFEUEnx3fYZOY Email us at: heychaplain44@gmail.comYou can help keep the show ad-free by buying me a virtual coffee!https://www.buymeacoffee.com/heychaplain
durée : 00:55:38 - Le grand atelier - par : Vincent Josse - La romancière et poétesse publie son nouveau roman, "Le Visage de la Nuit", à L'Iconoclaste. À ses côtés, Frédéric Abergel, mathématicien de formation, enseignant-chercheur en mathématiques appliquées qui sort son premier roman, "Après La Neige", aux Presses de la Cité. - réalisé par : Christophe IMBERT Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.
In the first new 401(k) Specialist Pod(k)ast episode of 2026, Editor-in-Chief Brian Anderson sits down with Kelby Meyers, founder and CEO of Nestimate, to explore the evolving landscape of in-plan retirement income and the Nestimate Retirement Income Summit.Meyers discusses the upcoming second annual Nestimate Retirement Income Summit, shares insights on new initiatives at Nestimate—including its recently launched TDF-IQ analytics tool—and weighs in on what the Vanguard-TIAA target-date CIT with a built-in annuity could signal for the future of default investments. The conversation also examines how advisors and plan sponsors can better evaluate lifetime income options, manage fiduciary risk, and prepare for key developments shaping the retirement income market in 2026 and beyond.Key Insights1. Retirement Income Summit Offers Critical Education for AdvisorsThe second annual Estimate Retirement Income Summit aims to help plan advisors, sponsors, and home office professionals better understand and evaluate in-plan lifetime income solutions. With speakers like Matthew Eichman, Brendan McCarthy, and Spencer Look, the event emphasizes fiduciary clarity and objective analysis of evolving income strategies.2. Vanguard-TIAA Collaboration Marks a Market ShiftThe launch of a target date collective investment trust (CIT) by Vanguard and TIAA is seen as a turning point in the retirement income landscape. Vanguard's rare move after 22 years signals growing industry momentum toward embedding annuities in target date funds to ensure retirement income security.3. Technology and Recordkeeper Integration Drive AdoptionTools like Estimate's TDF-IQ offer fiduciaries an outcome-based framework for evaluating annuity-infused target date funds. Meanwhile, broader recordkeeper availability and support for annuity options could help solve portability challenges, accelerating adoption of lifetime income solutions in 2026.SEE ALSO:• Nestimate Introduces TDF Analyzer
Send us a textCrises rarely look like TV. Most calls aren't bank robberies; they're frantic welfare checks, neighbor standoffs over fences, a parent terrified for a missing teen, or someone hearing voices at 2 a.m. We sit down with Dr. Sarah Abbott, a pioneer of the police–clinician co-response model, to unpack how pairing a trained clinician with officers at the point of contact reshapes outcomes: fewer arrests, fewer injuries, and far more dignity for the person in distress.Sarah shares the origin story from Massachusetts, where “jail diversion” began as a humane alternative for low-level offenses tangled with mental illness and grew into a comprehensive crisis response approach now spreading nationally and internationally. We get honest about the early skepticism and what changed minds: consistent data, strong command support, and the day-to-day reality that most police work involves behavioral health, not crime. We also go inside Section 12—involuntary transport in Massachusetts—and why sending officers with little background information is risky for everyone. The fix is coordination and clarity: share what you legally can, add a clinician to the response, and approach the door with a plan rooted in safety and rapport.Training is the force multiplier. Sarah breaks down how academy curricula evolved to center practical de-escalation and communication, then explains why the biggest gains come later with advanced, scenario-driven refreshers once officers have real street context. We talk tactics for engaging someone in psychosis without lying or escalating, why 988 is essential but not a complete substitute, and how blending 988, CIT, and co-response builds a smarter, safer safety net. We close with Sarah's work at William James College and the new Center for Crisis Response and Behavioral Health, designed to scale what works across departments and borders.If you care about first responder mental health, public safety, and better outcomes for people in crisis, this conversation offers a clear roadmap. Listen, share it with your team, and leave a review so more agencies can find these tools and put them to work in their communities.To reach Sarah, please visit her website at: https://www.abbottsolutionsforjustice.comSarah can also befound on LinkedIn at: https://www.linkedin.com/company/abbott-solutions-for-justice-llc/?viewAsMember=trueFreed.ai: We'll Do Your SOAP Notes!Freed AI converts conversations into SOAP note.Use code Steve50 for $50 off the 1st month!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showYouTube Channel For The Podcast
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