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It's been more than 10 months since Canadians got a close look at the federal finances in last fall's economic statement. At that time, they learned the deficit for the 2023–24 fiscal year had ballooned by over 50 per cent.Now, as the Carney government prepares to table its first fiscal blueprint, there's talk once again of rising spending and soaring deficits. A recent Desjardins forecast estimated the deficit for the current fiscal year could exceed $70 billion. That's a more than 65 per cent increase from what was forecast in Fall Economic Statement 2024. This news comes amid government promises for “generational investments” but also a request to ministers to find “ambitious savings.”So, what should Canadians be watching for in the November budget? And, more importantly, as billions of dollars continue to flow from federal coffers, are parliamentarians well positioned to give this spending the scrutiny they're meant to deliver on behalf of Canadians under our Westminster system?To discuss this, former parliamentary budget officer Yves Giroux joins Inside Policy Talks. Giroux served seven years as PBO, finishing his term just last month.On the podcast, he tells Ian Campbell, digital editor at MLI, that it's less important which fiscal anchor the government chooses, but simply that it picks one and sticks to it over a period of time. With many forecasts predicting that Ottawa is set to drop yet another one of its fiscal anchors – this time, a declining debt-to-GDP ratio – Giroux says this "erodes the confidence of financial markets in the seriousness or the control that the government has over its own finances."Campbell and Giroux also discussed a number of long-standing issues with the federal fiscal cycle that make it difficult for parliamentarians to exercise a high degree of scrutiny over government spending. Giroux said with only two people in Ottawa holding real sway over what ends up in the budget – the prime minister and finance minister – it's vital to make improvements to the fiscal cycle so parliamentarians can exercise a greater degree of oversight in this process.
Julie shares strategies for maintaining confidentiality when conducting walk and talk therapy. Episode Show Notes: kayladas.com/episode140 Book a Free Consultation with Julie: desjardinspsychotherapy.com Free Boosting Business Community: facebook.com/groups/exclusiveprivatepracticecommunity The Versatile Social Worker: theversatilesocialworker.com Raspberry Press: raspberrypress.ca Credits & Disclaimers Music by ItsWatR from Pixabay The Designer Practice Podcast and Evaspare Inc. has an affiliate and/or sponsorship relationship for advertisements in our podcast episodes. We receive commission or monetary compensation, at no extra cost to you, when you use our promotional codes and/or check out advertisement links.
What does it take to build a business that's not just successful—but sustainable, intentional, and designed to grow with you?In this episode of Discovery Series: Unplugged, Wendy Brookhouse, CEO and Chief Strategist at Black Star Wealth, joins Brent Swatuk, Regional Vice President of Sales for Desjardins Financial Security Independent Network (Ontario, Atlantic, and Western Canada), to explore how mindset and structure shape success.Wendy shares how her mother's resilience influenced her relationship with money and inspired her to create The Business Value Amplifier™—a framework that helps business owners and advisors productize, systematize, and scale their work. Together, Wendy and Brent unpack how emotions, habits, and financial behavior intersect—and how clarity and process create freedom.In this episode, you'll hear:How to scale your business through productization and processWhy mindset—not marketing—is the foundation of growthHow to uncover the “money stories” that drive client decisionsWhy clarity, consistency, and courage define sustainable successFor advisors and entrepreneurs, this conversation is a reminder that when you shift your mindset, you shift your outcomes.Disclaimer:The views and opinions expressed by guests on this podcast are solely their own and do not necessarily reflect those of Desjardins, its affiliates, or partners. References made to books, public figures, or concepts are for informational and inspirational purposes only.Desjardins is not affiliated with, endorsed by, or sponsored by any of the individuals or organizations mentioned unless explicitly stated. All trademarks and intellectual property referenced remain the property of their respective owners.
La hausse des coûts de construction a augmenté de 66 % depuis 2019, selon une récente étude de Desjardins. Cette hausse est principalement due à la pénurie de main-d'œuvre et à la faible productivité. Écoutez la chroniqueuse économie, Marie-Eve Fournier, faire le point à Lagacé le matin mardi.Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée
No one likes checking their credit score and seeing a hit to the rating - even the Canadian government.Credit rating agencies are bracing for the upcoming November 4th federal budget, and with a lack of fiscal updates since the last federal budget under the Trudeau government, economists aren't quite sure what they should expect when it comes to the deficit.So just how deep could the red ink run? And will the minority federal government receive the backing from any of the opposition parties to get it passed through the House?Host Mike Eppel speaks to Randall Bartlett, Deputy Chief Economist at Desjardins to discuss what former-banker-turned-Prime Minister, Mark Carney, has up his sleeve for the upcoming budget, and what he plans to do about a potentially ominously large deficit. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter
GESTIONNAIRES EN ACTION. Le narratif derrière la montée du prix de l’or depuis le début de l’année reste bien présent, malgré le coup de frein encaissé cette semaine. Luc Girard, gestionnaire de portefeuille à Noël Girard Lehoux, Valeurs mobilières Desjardins, soutient que la hausse récente du prix de l’or est portée par trois vents favorables. «Le premier vent, c’est la perspective de baisse des taux des banques centrales. Le deuxième, c’est le relâchement des taux réels alors que le troisième est lié à la ‘dédollarisation’, c'est-à-dire les achats massifs d'or par les banques centrales émergentes pour réduire leur dépendance au dollar américain», explique-t-il. Il précise que lorsqu’il parle des taux réels, il s’agit des taux d’intérêt moins l’inflation. «Par exemple, si le bond du trésor américain à un an offre 4,1% d'intérêt et que l'inflation est à 2,9%, vous avez un taux réel qui est à 1,2%. Ce taux réel influence directement l'or qui, lui, ne verse aucun intérêt», dit-il. Lorsque les taux réels diminuent, il devient donc plus attrayant de détenir de l'or. «Mais cette semaine, les taux réels ont remonté, ce qui a fait perdre un peu d'éclat au métal jaune», explique-t-il. Il ajoute que la remontée est attribuable aux données américaines sur l'emploi et l'inflation qui ont été plus fortes que prévu, ce qui pourrait repousser les baisses attendues du taux directeur. L’or reste en hausse de 56% depuis janvier Malgré la correction subie cette semaine, le prix de l’once d’or reste en hausse de 56% depuis le début de 2025. «La hausse est soutenue par des facteurs structurels. Les banques centrales des pays émergents, comme la Chine, la Turquie et l'Inde achètent de l'or pour diversifier leurs réserves et aussi réduire leur dépendance au dollar américain. Ce sont des acheteurs qui sont constants, qui sont souvent même insensibles aux soubresauts des prix à court terme», dit-il. Luc Girard constate que le recul du prix de l’or a touché durement le secteur des ressources naturelles à la Bourse de Toronto, même si ce dernier reste aussi en forte hausse depuis janvier. «Quand le prix du métal grimpe, les marges des producteurs augmentent et les actions suivent le mouvement de façon parfois même décuplée. Toutefois, l'effet inverse est vrai aussi. Une petite baisse du prix de l'or peut entraîner un recul beaucoup plus marqué des titres des producteurs aurifères. Le secteur canadien des ressources naturelles est d'ailleurs un des grands gagnants de 2025 jusqu'à présent. C'est logique parce que l'or représente 74% de la valeur marchande de ce secteur», constate le gestionnaire de portefeuille. Il raconte que les investisseurs ont divers moyens d’investir dans l’or, estimant que la stratégie variera selon les objectifs recherchés. «Si votre objectif est une protection macroéconomique qui est pure, il va falloir privilégier l'or physique ou les FNB adossés au précieux métal. Si vous cherchez un effet de levier sur le cycle économique, à ce moment-là, vous pouvez aller vers les FNB de minières. Si vous êtes dans la logique de la sélection des titres, il faut absolument regarder chacune des sociétés avec leurs coûts de production, la qualité des actifs et surtout leur discipline financière», affirme-t-il. Encore le temps d’acheter l’or? Luc Girard soutient que les investisseurs qui songent à investir dans l’or ne doivent pas perdre de vue qu’il s’agit d’une valeur refuge. Selon lui, il faut donc éviter de vouloir se servir de l’or comme d’un pari spéculatif.Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
No one likes checking their credit score and seeing a hit to the rating - even the Canadian government. Credit rating agencies are bracing for the upcoming November 4th federal budget, and with a lack of fiscal updates since the last federal budget under the Trudeau government, economists aren't quite sure what they should expect when it comes to the deficit.So just how deep could the red ink run? And will the minority federal government receive the backing from any of the opposition parties to get it passed through the House?Host Mike Eppel speaks to Randall Bartlett, Deputy Chief Economist at Desjardins to discuss what former-banker-turned-Prime Minister, Mark Carney, has up his sleeve for the upcoming budget, and what he plans to do about a potentially ominously large deficit. Do you have a topic that's confounding you in this economy? We'll be happy to dig into it for you and get you the answers you need. Email us at: rogerspodcastnetwork@rci.rogers.com. Thank you for listening!
Tarifs: voici sur quoi Carney et Trump sont en train de négocier. Sarkozy en prison. Les voleurs du Louvre toujours au large. Les détaillants automobiles victimes d’extorsion. Desjardins: les dossiers des Québécois sur le darkweb. Sondage Som-La Presse sur les priorités des Québécois. Manon Massé ne sollicitera pas un autre mandat. Une 4e offre aux médecins? TMZ avance que Trump pourrait donner la grâce présidentielle à Puff Daddy. Kenny Loggins fâché contre Trump. Tout un match pour les Blue Jays ! Tout savoir en quelques minutes avec Alexandre Dubé, Isabelle Perron et Mario Dumont. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Tarifs: voici sur quoi Carney et Trump sont en train de négocier. Sarkozy en prison. Les voleurs du Louvre toujours au large. Les détaillants automobiles victimes d’extorsion. Desjardins: les dossiers des Québécois sur le darkweb. Sondage Som-La Presse sur les priorités des Québécois. Manon Massé ne sollicitera pas un autre mandat. Une 4e offre aux médecins? TMZ avance que Trump pourrait donner la grâce présidentielle à Puff Daddy. Kenny Loggins fâché contre Trump. Tout un match pour les Blue Jays ! Tout savoir en quelques minutes avec Alexandre Dubé, Isabelle Perron et Mario Dumont. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Les données volées lors de la fuite massive de données personnelles chez Desjardins en 2019 circulent toujours sur le dark web, soulevant des inquiétudes. Même si le service de surveillance d'Equifax offert est arrivé à échéance, il existe des moyens efficaces pour se protéger contre les vols d'identité. La solution la plus simple et la plus efficace pour éviter les problèmes est de verrouiller son dossier de crédit auprès des deux agences principales: Equifax et TransUnion. Au Québec, ce service de verrouillage est offert gratuitement, un avantage unique au Canada. «Quand on verrouille son dossier de crédit, il n'y a personne qui peut faire un prêt en notre nom, qui peut ouvrir une nouvelle carte de crédit ou s'acheter une auto», explique Marie-Eve Fournier. Autre sujet abordé Lutte contre la fraude: Ottawa annonce une nouvelle agence. Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée
À l'occasion de sa revue de presse, mardi, Paul Arcand commente les résultats d'un sondage SOM-La Presse qui démontre que les idées préconisées par le gouvernement caquiste — laïcité, bureaucratie et syndicats — résonnent au sein de la population. Par exemple, selon le coup de sonde, 61 % des répondants sont en faveur d'une loi interdisant les prières de rue. Les changements que le premier ministre François Legault compte imposer dans le milieu syndical et dans la fonction publique plaisent également à de nombreux Québécois, mais leurs priorités demeurent la santé, le logement et l’éducation. Autres sujets abordés Ottawa se réveille et part à la chausse aux fraudeurs; Des données confidentielles de Desjardins à nouveau sur le «dark web»; Les compressions en santé continuent de déranger; Qu'est-ce qui se passe dans la tête de Pierre Poilievre? L'ancien Président de la France, Nicolas Sarkozy, est maintenant derrière les barreaux; Halloween: des bonbons, tablettes de chocolats et sacs de chips de plus en plus petits. Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée
On Prophecy Radio episode #143, Karen and Kristen catch up on some news odds and ends, including some new Percy Jackson and the Olympians character posters. They also discuss The Red Pyramid chapters 39 and 40, including their favorite moments and a few very significant twists and turns. New episodes of Prophecy Radio air every other week. All discussions are PG-13. News and Updates (00:24:11) Character posters, ya'll! A trio poster that might be a repeat, but just in case you haven't seen it yet. Rick took a photo with our new Zoe Nightshade and her significantly annotated book. These kids are getting to do all kinds of stunts. Steph Lurie dressed up to put Mark and Rick on trial at the Texas Book Festival Happy Birthday, Virginia Kull! The Red Pyramid discussion (00:30:50) Mini recap, in case you need a refresher. Let's talk about chapter 39. We take a minute to coo over Rick's narrative style in this book. Zia confounds us with some pertinent but infuriating advice. Set's secret name is underwhelming, but we discuss how that might have been inevitable. Isis warns Sadie Sadie's visions could have each been their own chapter. For sure. Who will sit on these 3 thrones? A touching father/daughter moment to ease the pain. The tale of the four Kanes. Her mother saw what was coming, her father did what he had to do, and now Sadie and Carter must see it all through. Isis and Sadie merge and we get our rainbow-warrior-goddess moment. Favorite lines and Favorite moments Time for the penultimate chapter discussion! Sadie's dual vision might be one of the cooler story-telling devices I've read in a long time. Time for a trip to the capital! The real enemy is finally brought into the light. Sadie and Carter have a moment. Two twists in a row really show how much has been going on that we couldn't see earlier in the story. Set was being used just like he was puppeteering Amos. The enemy of my enemy might just come in useful later on, so we might have to spare them. This Zia twist is one we definitely didn't see coming. Desjardins is pissed and astonished at the Kane's willpower. Favorite lines and Favorite moments Feedback (01:32:10) Longtime listener David Ludwig shares some of the Court of the Dead book tour fun from Denver! Here's that cocoa puff video in case you are interested! Thanks for listening, and tune in next time for episode 144, where we'll wrap up our discussion of The Red Pyramid with chapter 41, as well as get you up to date on more Percy Jackson and Rick Riordan news. This episode's hosts are: Karen and Kristen Each episode, Prophecy Radio's hosts will discuss any official news coming out of Camp Half-Blood before doing a chapter by chapter reread of Percy Jackson or one of Rick Riordan's other series. Follow Us: Instagram // Facebook // Tumblr Listen and Subscribe: Audioboom // Apple // Spotify Feel free to leave us your questions or comments through any of these mediums! You can also email us at prophecyradiopodcast@gmail.com or visit our homepage for archives and more information about our show. Prophecy Radio is a Subjectify Media podcast production. Visit Subjectify Media for more shows, including Not Another Teen Wolf Podcast, ReWatchable, and Not About The Weather, and for all our latest articles about the stories we're passionate about.
Vol de données Desjardins : plus beaucoup de temps pour faire votre réclamation! La stratégie de Tom Wakeham est largement un bluff, selon Francis Gosselin. Discussion économique avec Francis Gosselin, économiste. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Félix Séguin présente en primeur la lettre des Affaires municipales au DGEQ sur Cookshire-Eaton. Vers un arrêt des procédures dans le procès du vol de données chez Desjardins. Crime et société avec Félix Séguin, journaliste au Bureau d’enquête de Québecor. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Parce que… c'est l'épisode 0x641! Shameless plug 12 au 17 octobre 2025 - Objective by the sea v8 14 et 15 octobre 2025 - ATT&CKcon 6.0 14 et 15 octobre 2025 - Forum inCyber Canada Code rabais de 30% - CA25KDUX92 4 et 5 novembre 2025 - FAIRCON 2025 8 et 9 novembre 2025 - DEATHcon 17 au 20 novembre 2025 - European Cyber Week 25 et 26 février 2026 - SéQCure 2026 Description Dans cet épisode, trois experts en cybersécurité partagent leur expérience pour démystifier l'idée reçue selon laquelle la sécurité informatique serait financièrement hors de portée pour les petites et moyennes entreprises. Nicholas Milot, cofondateur de Yack et spécialiste des tests d'intrusion, Cyndie Feltz, également cofondatrice de Yack avec une expertise en gestion exécutive, et Dominique Derrier, RSSI chez Neotrust, apportent un éclairage pragmatique sur cette question cruciale. Le mythe du coût prohibitif L'un des principaux obstacles psychologiques pour les PME est la perception que la cybersécurité nécessite des budgets comparables à ceux des grandes entreprises comme Desjardins. Cette croyance est renforcée par l'abondance de solutions coûteuses sur le marché, souvent assorties de minimums d'utilisateurs qui peuvent rapidement faire grimper la facture à des centaines de milliers de dollars. Face à ces chiffres, de nombreuses PME concluent que la sécurité n'est tout simplement pas à leur portée et abandonnent l'idée d'investir dans ce domaine. Pourtant, cette vision est fondamentalement erronée. Comme le souligne Cyndie Feltz à travers une analogie pertinente avec la santé, la cybersécurité s'apparente davantage à une bonne hygiène de vie qu'à un traitement de luxe. Certes, on peut dépenser des sommes importantes pour des coachs sportifs personnalisés et des programmes d'entraînement sophistiqués, mais les bases d'une bonne santé reposent simplement sur une alimentation équilibrée, une paire de chaussures de course et de la régularité. La cybersécurité fonctionne selon le même principe : il s'agit d'adopter de bonnes pratiques quotidiennes plutôt que d'accumuler des solutions technologiques onéreuses. Le piège du “buffet de cybersécurité” Le marché propose environ 300 types de produits différents en matière de sécurité informatique. Face à ce buffet gargantuesque où tout semble briller et attirer l'attention, il est facile pour une PME de se sentir dépassée et de faire des choix inadaptés à ses besoins réels. Le problème ne réside pas uniquement dans le coût d'acquisition de ces solutions, mais aussi dans les ressources nécessaires pour les administrer correctement. Les experts constatent régulièrement que les PME acquièrent des outils sophistiqués qu'elles n'ont ni le temps ni les compétences d'utiliser efficacement. Une solution non configurée ou mal administrée n'apporte aucune valeur, quelle que soit sa qualité intrinsèque. De plus, les vendeurs, naturellement motivés par leurs objectifs commerciaux, peuvent convaincre les entreprises d'acheter des produits performants mais inadaptés à leur contexte spécifique. Nicolas Milot observe dans ses tests d'intrusion que les entreprises compromises disposent souvent de solutions de sécurité en place, mais que celles-ci ne sont pas correctement exploitées. Le manque de temps pour se “mettre les mains dedans” et maintenir ces outils à jour rend les investissements initiaux largement inefficaces. Les fondamentaux accessibles Avant même de considérer l'achat de nouvelles solutions, les PME peuvent mettre en place des mesures de base à faible coût. Dominique Derrier suggère de commencer simplement par des politiques internes et des mémos, même si leur efficacité reste limitée. L'important est de ne pas se cacher derrière l'excuse du coût pour ne rien faire du tout. Une approche progressive, étape par étape, permet d'avancer sans dépenses excessives. Les experts s'accordent sur quatre piliers fondamentaux que toute PME devrait prioriser : L'authentification multifacteur (MFA) : Protéger l'identification des utilisateurs avec des mots de passe robustes et le MFA représente un investissement minimal avec un impact sécuritaire maximal. Ces outils sont souvent déjà disponibles dans les licences Microsoft ou Google que les entreprises possèdent. Les mises à jour régulières : Nicolas souligne avec humour qu'il profite justement des entreprises négligentes en matière de mises à jour pour démontrer la facilité avec laquelle on peut compromettre leurs systèmes. Maintenir ses logiciels à jour ne coûte rien, mais sauve beaucoup de problèmes. Les antivirus et solutions de détection (EDR/XDR) : Même Windows Defender, bien que pas optimal, vaut mieux que rien et est souvent déjà inclus dans les licences existantes. L'essentiel est de le configurer correctement et de surveiller les alertes. Les sauvegardes (backups) : Point crucial soulevé par tous les intervenants, les backups devraient relever de l'opérationnel TI plutôt que de la sécurité. Ils doivent être correctement configurés, testés régulièrement, et surtout ne jamais être joints au domaine Active Directory, une erreur courante aux conséquences désastreuses. Les pièges à éviter Les experts mettent en garde contre plusieurs écueils. L'utilisation de l'intelligence artificielle comme argument de vente pour les PME constitue un signal d'alarme : ces entreprises n'ont pas besoin de ce type de fonctionnalités sophistiquées, même si certaines formes d'analyse comportementale existent depuis longtemps dans les outils de sécurité sous d'autres appellations. Un bon conseiller ne cherchera pas à vendre de nouvelles solutions, mais plutôt à optimiser l'existant. La configuration correcte de Microsoft ou Google, dont les paramètres par défaut laissent souvent à désirer, peut transformer radicalement la posture de sécurité sans investissement supplémentaire. Conclusion Le message est clair : mieux vaut faire peu de choses mais les faire bien, plutôt que de multiplier les outils partiellement déployés. La question fondamentale pour chaque PME devrait être : “Que se passerait-il si nous perdions toutes nos données ?” Cette réflexion sur ce qui est véritablement précieux permet d'orienter les investissements de manière pragmatique. La cybersécurité n'est pas une question de budget illimité, mais de choix judicieux et d'utilisation optimale des ressources disponibles. Collaborateurs Nicolas-Loïc Fortin Cyndie Feltz Nicholas Milot Dominique Derrier Crédits Montage par Intrasecure inc Locaux virtuels par Riverside.fm
Parce que… c'est l'épisode 0x639! Shameless plug 12 au 17 octobre 2025 - Objective by the sea v8 14 et 15 octobre 2025 - ATT&CKcon 6.0 14 et 15 octobre 2025 - Forum inCyber Canada Code rabais de 30% - CA25KDUX92 4 et 5 novembre 2025 - FAIRCON 2025 8 et 9 novembre 2025 - DEATHcon 17 au 20 novembre 2025 - European Cyber Week 25 et 26 février 2026 - SéQCure 2026 CFP Notes Vulnérabilités Apple Font Parser Vulnerability Enables Malicious Fonts to Corrupt Process Memory Critical Western Digital My Cloud NAS Vulnerability Allows Remote Code Execution VMware Tools and Aria Operations Vulnerabilities Let Attackers Escalate Privileges to Root China Exploited New VMware Bug for Nearly a Year PoC exploit Released for VMware Workstation guest-to-host escape Vulnerability Tesla's Telematics Control Unit Vulnerability Let Attackers Gain Code Execution as Root Threat Actors Allegedly Listed Veeam RCE Exploit for Sale on Dark Web CISA Warns of Linux Sudo Vulnerability Actively Exploited in Attacks Warnings about Cisco vulns under active exploit are falling on deaf ears OpenSSL Patches Three Flaws: Timing Side-Channel RCE Risk and Memory Corruption Affect All Versions OneLogin Bug Let Attackers Use API Keys to Steal OIDC Secrets and Impersonate Apps Multiple Splunk Enterprise Vulnerabilities Let Attackers Execute Unauthorized JavaScript code Windows 10 refuses to go gentle into that good night Undead Operating Systems Haunt Enterprise Security Networks Privacy WestJet data breach exposes travel details of 1.2 million customers ICE to Buy Tool that Tracks Locations of Hundreds of Millions of Phones Every Day Amazon's Ring plans to scan everyone's face at the door Privacy Harm Is Harm Données volées à Desjardins: les dossiers de 50 000 Québécois refont surface sur le «dark web» UK once again demands backdoor to Apple's encrypted cloud storage For a future with privacy, not mass surveillance, Germany must stand firmly against client-side canning in the Chat Control proposal Millions impacted by data breaches at insurance giant, auto dealership software firm Signal Protocol and Post-Quantum Ratchets Microsoft's Voice Clone Becomes Scary & Unsalvageable Discord Data Breach – Customers Personal Data and Scanned Photo IDs leaked Win Guide cybersécurité des systèmes industriels Anthropic touts safety, security improvements in Claude Sonnet 4.5 New Google Drive Desktop Feature adds AI-powered Ransomware Detection to Prevent Cyberattacks MISP 2.5.22 Released with improvements and bugs fixes Microsoft to Launch New Secure Default Settings for Exchange and Teams APIs Microsoft Outlook stops displaying inline SVG images used in attacks Gmail business users can now send encrypted emails to anyone Divers ‘Trifecta' of Google Gemini Flaws Turn AI Into Attack Vehicle Un groupe de cybercriminels tente de corrompre un journaliste de la BBC New China APT Strikes With Precision and Persistence North Korea IT worker scheme expanding to more industries, countries outside of US tech sector Beware! Threat Actors Distributing Malicious AI Tools as Chrome Extensions Hackers Hijack Industrial Cellular Routers to Launch Widespread Smishing Campaigns Across Europe US gov shutdown leaves IT projects hanging, security defenders a skeleton crew Two-thirds of CISA personnel could be sent home under shutdown EU consistently targeted by diverse yet convergent threat groups Austria's Armed Forces Gets Rid of Microsoft Office (Mostly) for LibreOffice Token Trouble: How Leaked JWTs Let Me Become Everyone on the Internet Insolites One the craziest elements about cybersecurity is you have half the industry sat worrying about cyberwar!1! and going on about quantum and AI, then you have you have the operational reality of what is actually happening on the ground - it bares no resemblance, at all, to what people are focused on. Pentagon decrees warfighters don't need ‘frequent' cybersecurity training Beer Brewing Giant Asahi Halts Production Following Cyberattack FreeIPA - CVE-2025-7493 - Privilege Escalation from host to domain admin Collaborateurs Nicolas-Loïc Fortin Crédits Montage par Intrasecure inc Locaux réels par Intrasecure inc
Sondage sur les intentions de vote des Québécois. Santé Québec suspend le virage numérique. Une pipe à crack retrouvée et manipulée par des enfants près de Benoît Labre. Le tiers des Québécois sont obèses. Vol de données Desjardins: encore des données des Québécois sur le dark web. Kelowna: 1 335 dossiers pour 15 criminels. 47 000 étudiants étrangers illégalement au pays. L’album de Taylor Swift est ENFIN sorti. Tout savoir en quelques minutes avec Alexandre Dubé, Isabelle Perron et Mario Dumont. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Sondage sur les intentions de vote des Québécois. Santé Québec suspend le virage numérique. Une pipe à crack retrouvée et manipulée par des enfants près de Benoît Labre. Le tiers des Québécois sont obèses. Vol de données Desjardins: encore des données des Québécois sur le dark web. Kelowna: 1 335 dossiers pour 15 criminels. 47 000 étudiants étrangers illégalement au pays. L’album de Taylor Swift est ENFIN sorti. Tout savoir en quelques minutes avec Alexandre Dubé, Isabelle Perron et Mario Dumont. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
L'essentiel des nouvelles le 3 octobre 2025 --- Meilleurs rabais de la semaine -> https://infobref.com/produits-en-promotionInfolettre InfoBref Votre argent: inscrivez-vous gratuitement à https://infobref.com/votreargent/ ---Santé Québec retarde le déploiement du Dossier santé numérique Les compressions budgétaires de Québec préoccupent le Protecteur du citoyen Le gouvernement fédéral lance une nouvelle agence pour réinvestir dans la défense Les Canadiens ont pris du poids pendant la pandémieDes données de clients de Desjardins circulent à nouveau sur le Web cachéLe nombre de transactions immobilières demeure au-dessus de la normale OpenAI atteint une valorisation record La même valeur record de milliards $US a été franchie par Elon Musk Comment mieux nourrir des milliards d'humains sans détruire la planète?--- Version écrite de ces nouvelles et autres nouvelles: https://infobref.com Pour s'abonner aux infolettres gratuites d'InfoBref (notamment pour recevoir ce bulletin audio par écrit chaque matin): https://infobref.com/infolettres Où trouver le balado InfoBref sur les principales plateformes de balado: https://infobref.com/audio Commentaires et suggestions à l'animateur Patrick Pierra, et information sur les options de publicité-commandite dans ce balado: editeur@infobref.com Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
On Prophecy Radio episode #142, Karen and Kristen dissect the latest Percy Jackson and the Olympians news, plus the release of The Court of the Dead by Rick Riordan and Mark Oshiro. They also discuss The Red Pyramid chapters 37 and 38, including their favorite moments and what they think will happen next. New episodes of Prophecy Radio air every other week. All discussions are PG-13. News and Updates (00:10:37) The Court of the Dead by Rick Riordan and Mark Oshiro is officially out in the world! Did you get any of the special editions? (We definitely did.) Did you see the pictures and videos of Rick signing books and Funkos? Leah turned 16 last month! Do these Percy Jackson and the Olympians behind-the-scenes clips mean we'll be getting another BTS documentary?? We go through a slightly older Entertainment Weekly article to discuss the next Senior Year Adventures book. When can we expect the third and final Senior Year book to come out? Rick is strictly a middle grade author, and we're cool with that. What other gods would make for good series fodder a la Trials of Apollo? Other character-centric books are still on the table, and boy do we want them! The Red Pyramid discussion (00:29:14) All right, let's refresh our brains on what happened last time. Good. Now we can jump into The Red Pyramid chapter 37. Why does Set keep flickering between forms? We've really come around on Amos since we learned the truth. Set is SO sassy, and we're kind of here for it. Horus still wants to take over Carter's body, and Carter is still telling him no. Uh, where the heck is Nephthys? Sadie protecc. Thank goodness Carter figures out what Zia meant when she told him not to resist. Carter turns into a total badass! Favorite lines and favorite scenes. All right, time to jump into The Red Pyramid chapter 38. Carter having fun fighting and beating up on Set is slightly concerning. Why do they BOTH bleed black? They're about to bring down the house, so Carter tricks Set into becoming a fruit bat and then drags him outside the pyramid. Will Sadie be able to free their dad from the throne and his sarcophagus? We kind of already knew how to defeat Set, but he really lays it out for Carter. Did we feel bad about what happened to Desjardins? We totally did not expect Set to put the capstone on top of the pyramid. Sadie is a freaking rainbow, y'all! What name could Sadie have shouted? We wanted to read the next chapter SO BAD! But we discuss our favorite lines and favorite moments instead. Feedback (01:09:31) Ensign_Davies and Maria write in to tell us what they think of The Court of the Dead. Caoimhe is super excited about Percy Jackson and the Olympians season 2, and she let's us know one of our previous episodes was missing links. That's all fixed now! Thanks for listening, and tune in next time for episode 143, where we'll discuss The Red Pyramid chapters 39 and 40, as well as get you up to date on more Percy Jackson and Rick Riordan news. This episode's hosts are: Karen and Kristen Each episode, Prophecy Radio‘s hosts will discuss any official news coming out of Camp Half-Blood before doing a chapter by chapter reread of Percy Jackson or one of Rick Riordan's other series. Follow Us: Instagram // Facebook // Tumblr Listen and Subscribe: Audioboom // Apple // Spotify Feel free to leave us your questions or comments through any of these mediums! You can also email us at prophecyradiopodcast@gmail.com or visit our homepage for archives and more information about our show. Prophecy Radio is a Subjectify Media podcast production. Visit Subjectify Media for more shows, including Not Another Teen Wolf Podcast, ReWatchable, and Not About The Weather, and for all our latest articles about the stories we're passionate about.
Pierre Desjardins is the cofounder of C12, a Paris-based quantum computing hardware startup that specializes in carbon nanotube-based spin qubits. Notably, Pierre founded the company alongside his twin brother, Mathieu, making them the only twin-led deep-tech startups that we know of! Pierre's journey is unconventional—he is a rare founder in quantum hardware without a PhD, drawing instead on engineering and entrepreneurial experience. The episode dives into what drew him to quantum computing and the pivotal role COVID-19 played in catalyzing his career shift from consulting to quantum technology.C12's Technology and Unique AngleC12 focuses on developing high-performance qubits using single-wall carbon nanotubes. Unlike companies centered on silicon or germanium spin qubits, C12 fabricates carbon nanotubes, tests them for impurities, and then assembles them on silicon chips as a final step. The team exclusively uses isotopically pure carbon-12 to minimize magnetic and nuclear spin noise, yielding a uniquely clean environment for electron confinement. This yields ultra-low charge noise and enables the company to build highly coherent qubits with remarkable material purity.Key Technical InnovationsSpin-Photon Coupling: C12's system stands out for driving spin qubits using microwave photons, drawing inspiration from superconducting qubit architectures. This enables the implementation of a “quantum bus”—a superconducting interconnect that allows long-range coupling between distant qubits, sidestepping the scaling bottleneck of nearest-neighbor architectures.Addressable Qubits: Each carbon nanotube qubit can be tuned on or off the quantum bus by manipulating the double quantum dot confinement, providing flexible connectivity and the ability to maximize coherence in a memory mode.Stability and Purity: Pierre emphasizes that C12's suspended architecture dramatically reduces charge noise and results in exceptional stability, with minimal calibration drift, over years-long measurement campaigns—a stark contrast with many superconducting platforms.Recent MilestonesC12 celebrated its fifth anniversary and recently demonstrated the first qubit operation on their platform. The company achieved ultra-long coherence times for spin qubits coupled via a quantum bus, publishing these results in *Nature*. The next milestone is demonstrating two-qubit gates mediated by microwave photons—a development that could set a new benchmark for both C12 and the wider quantum computing industry.Challenges and OutlookC12's current focus is scaling up from single-qubit demonstrations to multi-qubit gates with long-range connectivity, a crucial step toward error correction and practical algorithms. Pierre notes the rapid evolution of error-correcting codes, remarking that some codes they are now working on did not exist two years ago. The interview closes with an eye on the race to demonstrate long-distance quantum gates, with Pierre hoping C12 will make industry headlines before larger competitors like IBM.Notable Quotes“The more you dig into this technology, the more you understand why this is just the way to build a quantum computer.”“We have the lowest charge noise compared to any kind of spin qubit—this is because of our suspended architecture.”“What we introduced is the concept of a quantum bus… really the only way to scale spin qubits.”Episode ThemesEntrepreneurship in deep tech without a traditional research backgroundTechnical deep dive on carbon nanotube spin qubits and quantum bus architectureMaterials science as the foundation of scalable quantum hardwareThe importance of coherence, noise reduction, and tunable architectures in quantum system designThe dynamic evolution of error correction and industry competitionListeners interested in cutting-edge hardware, quantum startup journeys, or the science behind scalable qubit platforms will find this episode essential. Pierre provides unique clarity on why C12's approach offers both conceptual and practical advantages for the future of quantum computing,
Dr. Matt DesJardins from OrthoCincy to discuss Lucas Patrick's calf injury and the back issue that new Green Bay Packer Micah Parsons is dealing with.Learn more about OrthoCincy by going here.Listen to the show live weekday afternoons 3:00 - 6:00 on ESPN1530.Listen Live: ESPN1530.com/listenGet more: https://linktr.ee/MoEgger
Dr. Matt DesJardins from OrthoCincy to discuss Lucas Patrick's calf injury and the back issue that new Green Bay Packer Micah Parsons is dealing with.Learn more about OrthoCincy by going here.Listen to the show live weekday afternoons 3:00 - 6:00 on ESPN1530.Listen Live: ESPN1530.com/listenGet more: https://linktr.ee/MoEgger
Desjardins va prochainement cesser d'offrir le service de financement Accord D. Le financement Accord D est une seconde limite de crédit disponible sur votre carte de crédit de Desjardins. Écoutez la chroniqueuse financière Marie-Ève Fournier en discuter à l'émission de Patrick Lagacé, mardi matin.Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée
Ahuntsic: cet entrepreneur a besoin de plus de présence policière. Faites attention si vous êtes clients de la Banque Nationale et Desjardins une opération de fraude est en cours. Affaires et société avec Philippe Richard Bertrand, expert en commercialisation et en technologies et co animateur du balado Prends pas ça pour du cash à QUB. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Finding a job is difficult for anyone right now, but especially for a certain sector.Young people are having difficulty finding work. In fact, the youth unemployment rate this summer has been up to nearly 15%.A new study is taking a look at the root causes and offering some possible solutions.Host of In This Economy!? Mike Eppel speaks to L.J. Valencia, one of the co-authors of the Desjardins report. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter
Finding a job is difficult for anyone right now, but especially for a certain sector.Young people are having difficulty finding work. In fact, the youth unemployment rate this summer has been up to nearly 15%.A new study is taking a look at the root causes and offering some possible solutions.Host of In This Economy!? Mike Eppel speaks to L.J. Valencia, one of the co-authors of the Desjardins report. Do you have a topic that's confounding you in this economy? We'll be happy to dig into it for you and get you the answers you need. Email us at: rogerspodcastnetwork@rci.rogers.com. Thank you for listening!
GESTIONNAIRES EN ACTION. Alimentation Couche Tard (ATD, 74,11$) a dévoilé le 2 septembre des résultats financiers légèrement supérieurs aux prévisions pour le premier trimestre de son exercice 2026. «Ce que je retiens avant tout, c'est la fin d'un cycle de recul aux États-Unis. On parle d'une progression de 0,4 % des ventes de magasins comparables (ouverts depuis plus d’un an). C'est modeste, oui, mais c'est surtout symbolique. On assiste à un point d'inflexion après sept trimestres consécutifs de baisse», résume Luc Girard, gestionnaire de portefeuille à Noël Girard Lehoux, Valeurs mobilières Desjardins. Il ajoute que le chiffre d'affaires est en léger recul à 17,3 milliards de dollars américains (G$US), tout en étant aussi supérieur aux prévisions des analystes, tout comme le bénéfice par action de 0,78$US. «Ce n'est pas un trimestre spectaculaire, bien évidemment, mais c'est rassurant. Ce qu'on voit ici, c'est une entreprise qui continue d'exécuter, même dans un environnement macroéconomique complexe. Pour les investisseurs, c'est un signal clair de résilience», juge-t-il. La seule ombre au tableau se situe du côté des marges bénéficiaires sur les ventes de carburant aux États-Unis. «C'est vraiment l'élément central du trimestre. Les marges sur le carburant ont reculé d'environ 10%. Elles sont passées de 41,5 cents à 37 cents le gallon. Forcément, le recul a un effet direct sur le bénéfice de l’entreprise. Mais attention, il faut remettre tout ça en perspective. On sort d'une période où les marges étaient exceptionnellement élevées, qui étaient dopées par l'inflation énergétique et aussi les tensions sur l'offre», explique-t-il. Les résultats de Couche-Tard étaient aussi les premiers à être dévoilés depuis l’abandon de l’acquisition de Seven & i Holdings, qui possède entre autres la bannière 7-Eleven. «Cette décision montre beaucoup de maturité stratégique. On parlait quand même d'une transaction de 46G$US, qui aurait quand même alourdi le bilan de façon significative. Dans le contexte actuel, où vous avez un coût de financement qui demeure élevé, où l'inflation maintient une pression sur les coûts opérationnels et où les marchés sont de plus en plus exigeants, on pense vraiment que c'était la bonne décision à prendre», analyse Luc Girard. Il souligne aussi que la direction de Couche-Tard a recommencé à racheter massivement de ses actions après la fin du premier trimestre. «On parle de près de 1G$US en rachats d'actions depuis la fin juillet. C'est un message qui est très clair. La direction estime que le titre est sous-évalué et elle agit donc en conséquence», affirme-t-il. L’oeil sur des actifs d’EG Group? Au mois d'août, divers médias ont parlé de la possibilité que la britannique EG Group puisse céder ses activités américaines de dépanneurs et de stations-services. Une telle acquisition serait, selon le gestionnaire de portefeuille, à la portée de Couche-Tard. «EG Group, effectivement, possède environ 1700 sites aux États-Unis et Couche-Tard a la capacité pour absorber ce type d'actifs sans fragiliser son bilan. La discipline est toutefois la clé. La société ne fera pas une acquisition à n'importe quel prix, surtout dans un contexte où les marchés sont plus volatils et que les investisseurs sont beaucoup plus attentifs à la qualité des actifs», raconte Luc Girard. Selon lui, Couche-Tard reste une entreprise résiliente, bien gérée et possède une capacité d'adaptation remarquable dans un environnement où l'inflation est modérée mais persistante et où les taux d'intérêt restent restrictifs. *Le balado «Gestionnaires en action» a reçu un honneur, étant reconnu en juin dernier dans le Top 100 des meilleurs balados sur les marchés financiers en ligne par la société américaine Million Podcasts.Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
This episode features Jeff Desjardins, founder of Visual Capitalist, which unpacks powerful data storytelling and key mega trends shaping our economy. From the impact of aging societies to the rapid rise of AI, Jeff shares insights that can enhance financial education. Discover practical tips for creating engaging infographics and learn how visualizing personal finance concepts can help students grasp complex topics easily. Educators looking to inspire and inform their classrooms won't want to miss this data-driven conversation!
What happens when your greatest challenge becomes the birthplace of your greatest strength?In this special 100th episode, we sit down with Benaaz Aronis, MBA, CRM—Senior Vice President of the Desjardins Agent Network & Direct Insurance (Ontario, Atlantic, Western Regions)—to reflect on a journey that's as bold as it is grounded in heart.From immigrating to Canada in 1999, to leading with impact across Desjardins for 25 years, Benaaz shares how personal loss, parenting a child on the autism spectrum, and unwavering purpose shaped the leader—and the person—she is today.This isn't just a story about rising through the ranks. It's about resilience, humility, and what it means to lead when life doesn't follow the plan.In this milestone episode, Benaaz opens up about:The sudden loss of her father—and how insurance shaped her family's path forwardNavigating her son's autism diagnosis and the financial planning it inspiredRedefining leadership through empathy, values, and personal advocacyThe culture that helped her grow—and why she believes Desjardins' real superpower is its people“You don't need a title to lead. You just need to show up—with heart.”
Chris D in conversation with David Eastaugh Chris D. (born Chris Desjardins) is an American punk poet, singer, writer, rock critic, producer, and filmmaker. He is best known as the lead singer and founder of the early and long-running Los Angeles punk/death rock band the Flesh Eaters. The Flesh Eaters were a staple of the L.A. punk scene in the 1980s.[7] The band played alongside seminal bands like The Misfits and The Meat Puppets.[3] A number of original Flesh Eaters releases, like River of Fever, were recorded through Shakeytown Music/BMI.[4] Others were produced by Upsetter, Invasion/Bomp, Zippo/Demon or SST. From 1989 to 1993 and from 1997 to 2000, Desjardins performed live with varying line-ups of The Flesh Eaters. During the first of these periods, three more albums came out on SST Records: Dragstrip Riot (1991), Sex Diary of Mr. Vampire (1992), and Crucified Lovers in Woman Hell (EP - 1993).Two additional albums, Ashes of Time (1999) and Miss Muerte (2004), were released.
L'essentiel des nouvelles le 29 août 2025---Meilleurs rabais de la semaine -> https://infobref.com/produits-en-promotion---Le gouvernement Legault va déposer cet automne un projet de loi pour renforcer la laïcité Dans l'affaire SAAQclic, la police enquête sur de possibles cas de corruptionDans le dossier du Troisième lien: le gouvernement a lancé le processus d'évaluation environnementale de son projet de lien autoroutier entre Québec et LévisIl y a un apaisement des relations diplomatiques entre le Canada et l'Inde: Aux États-Unis, une gouverneure de la banque centrale a saisi la justice contre Donald TrumpLes États-Unis ont approuvé une vente d'armes de 825 millions $US à l'Ukraine. Desjardins veut faire une grosse acquisition pour propulser ses activités hors du QuébecGoogle se transforme en professeur de langues et en interprète grâce à l'IA --- Version écrite de ces nouvelles et autres nouvelles: https://infobref.com Pour s'abonner aux infolettres gratuites d'InfoBref (notamment pour recevoir ce bulletin audio par écrit chaque matin): https://infobref.com/infolettres Où trouver le balado InfoBref sur les principales plateformes de balado: https://infobref.com/audio Commentaires et suggestions à l'animateur Patrick Pierra, et information sur les options de publicité-commandite dans ce balado: editeur@infobref.com Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
On Prophecy Radio episode #140, Karen and Kristen discuss the latest Percy Jackson and the Olympians news, including the Artemis and Zoe Nightshade casting, plus the Percy Jackson 20th anniversary! We also breakdown The Red Pyramid chapters 33 and 34. New episodes of Prophecy Radio will air every other week. All discussions are PG-13. News and Updates (00:09:50) What's been going on with us? Books and work and football, oh my! There's a lot of news to talk about this week, even though we did a whole episode on the news last week! We go through the Percy Jackson season 2 stills from EW. Did you go see Freakier Friday and see one of the Percy Jackson cast members?? Karen is maybe too candid about her type. Percy Jackson and the Olympians season 3 has started filming! Is that…a monster? How excited are we about the Percy Jackson and the Olympians season 3 casting of Artemis and Zoe Nightshade? Are we waiting on anymore major casting for season 3? Can you believe it's been 20 years since The Lightning Thief has been released? Be sure to check out the Walt Disney Company's interview with Rick Riordan! Everyone wished Percy Jackson a happy birthday, including the Empire State Building. Don't forget Court of the Dead comes out on September 23! We finish up with favorite scenes and favorite lines. The Red Pyramid discussion (00:34:26) Let's kick this thing off with our The Red Pyramid chapter 33 discussion. Why are the gods so annoying!? Man, Desjardins really hates those kids. Think this will come back to bite him later? They land in a salsa factory, which they then light on fire, and we simply cannot begin to imagine that kind of pain. Yeah, Sekhmet seems like a god you don't want to mess with. Zia has a great plan that involves a lot of salsa but omg can you imagine if it had been GREEN? Do we trust Zia!? Doughboy to the rescue! We discuss our favorite scenes and favorite lines. Next up: Our Red Pyramid chapter 34 discussion. It's a good thing Carter has been practicing summoning things from the Duat. His coat is VERY sassy. And rude. Okay, something is seriously going on with Zia. What did Iskandar do to her?? When she talks about the fact that “he” is coming back, who do you think she meant? At least now we know where the fifth goddess went. Who the heck is Set controlling!? Zia does not need to be in the spotlight, and we love that about her. Amos is back–is this good or bad? Thanks for listening, and tune in next time for episode 141, where we'll discuss The Red Pyramid chapters 35 and 36, as well as get you up to date on more Percy Jackson and Rick Riordan news. This episode's hosts are: Karen and Kristen Each episode, Prophecy Radio‘s hosts will discuss any official news coming out of Camp Half-Blood before doing a chapter by chapter reread of Percy Jackson or one of Rick Riordan's other series. Follow Us: Instagram // Facebook // Tumblr Listen and Subscribe: Audioboom // Apple // Spotify Feel free to leave us your questions or comments through any of these mediums! You can also email us at prophecyradiopodcast@gmail.com or visit our homepage for archives and more information about our show. Prophecy Radio is a Subjectify Media podcast production. Visit Subjectify Media for more shows, including Not Another Teen Wolf Podcast, ReWatchable, and Not About The Weather, and for all our latest articles about the stories we're passionate about.
Episode 148: Rebecca Lee Desjardins & Brave, Not Perfect: Fear Less, Fail More & Live Bolder by Reshma SaujaniABOUT REBECCARebecca Lee Desjardins is a lifelong learner and coach, committed to engaging people in meaningful moments that promote personal growth, leadership development, and a greater sense of community. As a Behavioral Agility Coach, Rebecca uses The BioCode System to teach strategies that leverage stress as a tool for leadership development and personal wellness. As a community leader at The Connext Exchange, she invites connection, reflection and exploration through conversation. Guided by curiosity and hope, Rebecca believes in the power of possibility and the unrealized potential of our shared humanity.CONVERSATION HIGHLIGHTS• Being in a state of becoming.• What am I prioritizing? What really matters?• "I did learn that's not valued everywhere."• Being a Disruptor. • Seeking fluidity.• The life of perfectionism and what it prevents.• Failure.• "Judgement always comes in."• Helping people find their place.• Cultural messaging and programming.• What are you about? vs. What do you do?• The power of religion and spirituality.The MAIN QUESTION basked directly by Rebecca is, Which of your gifts is left behind, not shared, all because of this anticipation of judgement or not being perfect enoughFIND REBECCA• LinkedIn: https://www.linkedin.com/in/rldesjardins/• Instagram: https://www.instagram.com/showupwithintention• YouTube: https://www.youtube.com/@ShowUpWithIntention• The Connext Exchange - LinkedIn: https://www.linkedin.com/company/the-connext-exchange/• The Connext Exchange - Facebook: https://www.facebook.com/connextexchange• The Connext Exchange - Instagram: https://www.instagram.com/connextexchangeLinkedIn – Full Podcast Article: CHAPTERS00:00 - The Book Leads Podcast – Rebecca Desjardins00:33 - Introduction & Bio03:17 - Who are you today? Can you provide more information about your work?06:25 - Lessons of stress during COVID.09:14 - How did your path into your career look like, and what did it look like up until now?20:59 - Perfectionism in Rebecca's life and work.28:46 - How does the work you're doing today reconcile to who you were as a child?34:34 - What do you consider your super power?35:24 - What does leadership mean to you?36:51 - Can you introduce us to the book we're discussing?38:30 - What Rebecca's taken away from reading the book at different points in her life.47:14 - The importance of finding the right community for you.50:36 - Can you provide a general overview of the book?53:45 - Looking back on what we might've considered a failure in the past.01:08:02 - Rebecca on Spirituality.01:11:30 - What are you up to these days? (A way for guests to share and market their projects and work.)This series has become my Masterclass In Humanity. I'd love for you to join me and see what you take away from theseconversations. Learn more about The Book Leads and listen to past episodes:Watch on YouTubeListen on SpotifyListen on Apple PodcastsRead About The Book Leads – Blog PostFor more great content, subscribe to my newsletter LastWeek's Leadership Lessons, if you haven't already!
The Net Promoter System Podcast – Customer Experience Insights from Loyalty Leaders
Episode 253: Desjardins thought its cooperative roots made it member-first by default. Then members started leaving. Desjardins is a 125-year-old financial co-op based in Quebec. It has deep community ties and a proud history. But that pride masked a painful truth: Members no longer saw it as customer-centric. The organization believed its cooperative structure guaranteed loyalty—until low NPS scores and rising member churn showed otherwise. Mathieu Staniulis and Séverine Clairet recount how Desjardins confronted its own mythology, restructured governance, and began treating feedback as a system, not a score. Desjardins' wake-up call came in the early 2010s. Despite its co-op status, members said the experience felt disjointed. Branches operated as near-independent entities. “It was really difficult to see the full scope of our company because we were presenting ourselves as different companies,” says Mathieu. CEO Guy Cormier led a bold move: unifying the 17 siloed organizations within Desjardins under a single governance structure. But structure alone wasn't enough. Internally, CX, risk, and profit still pulled in different directions. As Mathieu puts it, “People in charge of customer experience only talk about customer experience and NPS. People in P&L ownership talk about their performance—their bottom line. How can they improve their performance, especially on the financial metrics? And then you have the risk people trying to manage risk and deal with regulators always bringing new regulations, especially in the financial industry. And I believe we have to find a way to work together to balance customer experience, efficiency or financial metrics, and risk management.” The challenge became about integrating those forces to make balanced, member-first decisions—without sacrificing performance. Now Desjardins faces a new frontier: recreating intimacy in a digital world. Transactions moved online. But financial advice—the core of trust and loyalty—remains unsolved. The question, Mathieu says, is urgent and unanswered: “How do we bring advice into a digital world?” Guests: Mathieu Staniulis, Vice President, Products, Solutions & Digital, and Chief Transformation Officer | Séverine Clairet, Vice President Customer Experience & Marketing Strategy, Desjardins Host: Rob Markey, Partner, Bain & Company Give us feedback: Customer Confidential Podcast Feedback Send us a note: Contact Rob Time-Stamped Topics 00:01 – A logout button reveals blind spots in member experience 00:04 – Desjardins' founding story: community aid in a kitchen 00:06 – “Member-owned” in theory vs. practice across 17 silos 00:08 – How Guy Cormier unified Desjardins under one governance model 00:09 – Why NPS lagged despite a strong co-op identity 00:12 – “The S means system”: transforming how feedback drives action 00:15 – Balancing CX, P&L, and risk without silos 00:18 – The call center debate: cost now vs. loyalty later 00:20 – Journey teams as a model for cross-functional accountability 00:21 – Digital did the easy part, so what comes next? 00:22 – Can “digital” be intimate? The next frontier for co-ops Notable Quotes [15:00] “It was really difficult to see the full scope of our company because we were presenting ourselves as different companies. … We had to pivot from working together, but in silos.” [16:00] “We believe we're member-focused, but we were lagging in NPS. We were also losing membership, so we had to pivot and change all of that, changing the way we look internally at our performance, raising NPS as the top KPI for our company.” [16:00] “That's the equation of NPS. Buying more, referring more, and staying longer mean more profitability. For P&L, it means better risk management, because there's a tendency to lower your risk when you have loyal customers with you. So you have to bring that all together.” [17:00] “We were very proud of Desjardins, especially in the Quebec market. In some lines of products, we have almost 40% market share. You will see a branch of Desjardins in every town. It's deep in our roots.” Additional Resources Read Bain's case study, From Laggard to Leader: Desjardins Evolves Member Centricity for the Digital Age: https://www.bain.com/client-results/from-laggard-to-leader-desjardins-evolves-member-centricity-for-the-digital-age/
On Prophecy Radio episode #138, Karen and Kristen chat about The Red Pyramid chapters 31 and 32! They also talk about Karen's trip to Columbus for their book festival and a whole host of Rick Riordan-related Instagram posts. New episodes of Prophecy Radio will air every other week. All discussions are PG-13. News and Updates (00:16:21) Percy Jackson and The Lightning Thief turns 20! The Percy Musical is hitting the road in the UK starting this August 15th! San Diego Comic Con starts this week, and the Percy Jackson cast will be in attendance. Could we get that season 2 trailer?! Percy series on Insta dropped some gifs from Percy Jackson and the Olympians season 2. Rick and Mark are hitting the road for The Court of the Dead this fall. From Sept 23rd-10/1 they will be hitting 9 stops across the US. Check out the dates and locations here. The Red Pyramid discussion (00:23:31) Chapter 31: Who can we trust these days? Quick recap: Zia says not to trust Amos, and then guess who magically appears? Sadie is emotional about Bast's sacrifice, so it's good Carter handled that last chapter. Amos's look is not what Karen imagined. Set used Amos like a statue in a garden for the demons' amusement. Is Set the ultimate mastermind? or did Amos give him the slip? Best place to hide is definitely in a government missle-testing range. Let's hope Amos is wrong and Bast will be back sooner rather than later. Sadie has already made SO MANY SACRIFICES! Ba meet Geb. We swoon a little over Geb's heart pocket. What was with that cryptic message, Geb?! Favorite scenes and favorite lines. Chapter 32: Let's see where we stand. Muffin is giving every cat in this scene. Rick to readers: "We are not pulling a John Wick here." They can't trust Amos enough to tell him the plan, but they can definitely use his boat. Time to eat some yummy food in Las Cruces-Messilla. Just as Zia is defending Desjardins' allegiance against Set, he shows up and sticks to his script. Amos using storm magic?! Talk about a red flag. Zia's ultra-powerful column of fire proves she is all in with Sadie & Carter. Desjardins gets desperate... and summons Sekhmet! Favorite scenes and favorite lines. Thanks for listening, and tune in next time for episode 139, where we'll discuss The Red Pyramid chapters 33 and 34, as well as get you up to date on whatever Percy Jackson news might pop up. This episode's hosts are: Karen and Kristen Each episode, Prophecy Radio's hosts will discuss any official news coming out of Camp Half-Blood before doing a chapter by chapter reread of Percy Jackson or one of Rick Riordan's other series. Follow Us: Instagram // Facebook // Tumblr Listen and Subscribe: Audioboom // Apple // Spotify Feel free to leave us your questions or comments through any of these mediums! You can also email us at prophecyradiopodcast@gmail.com or visit our homepage for archives and more information about our show. Prophecy Radio is a Subjectify Media podcast production. Visit Subjectify Media for more shows, including Not Another Teen Wolf Podcast, ReWatchable, and Not About The Weather, and for all our latest articles about the stories we're passionate about.
Despite all the noise about tariffs and their potential impact, it appears the Canadian economy is actually weathering the storm.An interest rate cut looked like a slam dunk a month ago and now, with signs that the economy isn't falling off a cliff, it's highly doubtful that those rates will be going down.So what to make of where we're at in this economy? How do you plan when things are so unpredictable? Host Mike Eppel breaks it down with Royce Mendes, Managing Director and head of Macro Strategy at Desjardins. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter
From Startup Founder to Ecosystem Bridge-BuilderIlias Benjelloun's journey began with identifying untapped talent in Canada's tech scene and helping create community among builders. He transitioned from launching startups to developing programs at large institutions like Desjardins, where he helped align startup innovation with corporate goals. His goal has remained constant: unlocking value trapped by outdated structures and accelerating impact through strategic collaboration.Building Innovation Programs with PurposeDuring his time at Desjardins, Ilias led several key initiatives including a $250M fund, a corporate accelerator, and a pre-incubator. What made these efforts unique was their grounding in local ecosystem needs, not top-down mimicry of Silicon Valley models. His philosophy is simple but powerful: start with what you have, listen to the community, and complement what's missing. He was also an early advocate for integrating SDGs into innovation frameworks, proving that financial returns and social impact can go hand-in-hand.Lessons from Around the WorldHaving traveled to innovation hubs in the Middle East, San Francisco, and beyond, Ilias observed a few standout patterns: corporate investors are entering earlier, opening doors more readily, and embracing a pay-it-forward culture that fosters genuine collaboration. By contrast, some ecosystems - including parts of Canada - remain more cautious, often waiting until startups are less risky. Ilias believes this risk aversion can be overcome through smart partnerships and shared learning.The Untapped Power of the African DiasporaIlias is now focused on activating a massively underutilized force: the African diaspora in Europe and North America. These globally connected individuals hold cultural insights, technical expertise, and business potential that is often overlooked. He argues for shifting the narrative away from DEI as a moral obligation and toward viewing inclusion as a strategic business advantage, especially in sectors like climate tech, agtech, and water innovation where frugal solutions are in high demand.A New Model for Global CollaborationTo turn this vision into reality, Ilias advocates for partnerships with anchor corporates in target countries - like OCP in Morocco - and creating consortiums that lower the risk of startup collaboration. This requires intermediaries with cultural fluency and operational know-how to translate between regions. He sees VivaTech as a prime example of where these global bridges can be built, linking France, Canada, Africa, and beyond. His mission is to move from talk to action, harnessing innovation not just for returns, but for systemic change. Be sure to follow Sesamers on Instagram, LinkedIn, and X for more cool stories from the people we catch during the best Tech events!
Le guichet automatique a marqué un tournant dans l'histoire des services bancaires au Québec. Introduit par Desjardins en 1981 à Trois-Rivières, il a rapidement été déployé à l'échelle provinciale, notamment dans des régions jusque-là ignorées par les grandes banques. Pierre-Olivier Maheux, historien d'entreprise chez Desjardins, explique que cette technologie a amélioré l'accès aux services financiers tout en aidant à gérer l'afflux croissant de clients. Il revient aussi sur le rôle central de Desjardins dans la création du réseau Interac en 1984, puis dans le développement du paiement direct à la fin des années 1980. À son apogée dans les années 1990, le réseau Desjardins était le plus vaste au Canada.
It's the mid-point of the year and it's the economic question everyone is asking - what's going to happen with interest rates?On this episode of In This Economy - you'll hear from an expert about whether our economy is weakening and what that means for you. Host Mike Eppel speaks with Royce Mendes, Managing Director of Macro Strategy at Desjardins. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstoryfpn on Twitter
On Prophecy Radio episode #137, Karen and Kristen chat about The Red Pyramid chapters 29 and 30! They also talk about a bunch of book news from Rick Riordan, Roseanne A. Brown, and Roshani Chokshi. New episodes of Prophecy Radio will air every other week. All discussions are PG-13. News and Updates (00:11:32) Kristen talks about her trip to Maine! We loved Rick's Pride post. Have you picked up your copy of Percy Jackson and the Olympians: A Guide to Gods & Monsters? Will you be picking up a copy of the Percy Jackson and the Olympians season 2 tie-in novel? Roseanne A. Brown has a new duology coming out in 2027 and we are SO EXCITED. Did you catch the cover of The Swan's Daughter: A Possibly Doomed Love Story by Roshani Chokshi? The Red Pyramid discussion (00:27:37) We kick off with our The Red Pyramid chapter 29 discussion. Time to drive through Interstate 10 in Texas! Bast is great at “borrowing” vehicles–but don't worry, no one will be missing this one. We think. Carter has a theory. What do we think of it? What does Kristen think is going on with Desjardins? Who would YOU trust to drive the vehicle? Sadie does NOT want Carter to ask her any questions. We get some great insight into what is going on with Bast. There's NO WAY this will be relevant in the next chapter, right? Why did Anubis appear so hot to Sadie? Did Rick know what Bast's plan was when he wrote this chapter? Carter needs some alone time with his sword BUT IT'S NOT WHAT IT SOUNDS LIKE. Horus is great at talking when you don't want him to and terrible at talking when you do. What does Kristen think of Zia's motivations? Uh, what's this about not trusting Amos?? Favorite scenes and favorite lines, as always. Time for our Red Pyramid chapter 30 discussion. Cats love to pounce, even if driving to the top of a mountain is super inconvenient. Why does Carter feel like this place is familiar? They need to speak into the water to make Nepthys appear, but Carter and Khufu are not liking the vibes. Despite it being a quick interaction, the immigrant family crossing the boarder seems like a poignant part of this chapter given everything going on these days. Sadie goes down, so it's Carter's time to shine. Too bad he has to take on a 20-foot tall god names Sobek. Carter proves himself in the fight, especially because he's able to control Horus. Bast is gone, but probably not forever. …Right!? They've still got problems, but at least Philip of Macedonia is there to save them! Oh, and Uncle Amos. But can they trust him?? Favorite scenes and favorite lines. Thanks for listening, and tune in next time for episode 138, where we'll discuss The Red Pyramid chapters 31 and 32, as well as get you up to date on whatever Percy Jackson news might pop up. This episode's hosts are: Karen and Kristen Each episode, Prophecy Radio‘s hosts will discuss any official news coming out of Camp Half-Blood before doing a chapter by chapter reread of Percy Jackson or one of Rick Riordan's other series. Follow Us: Instagram // Facebook // Tumblr Listen and Subscribe: Audioboom // Apple // Spotify Feel free to leave us your questions or comments through any of these mediums! You can also email us at prophecyradiopodcast@gmail.com or visit our homepage for archives and more information about our show. Prophecy Radio is a Subjectify Media podcast production. Visit Subjectify Media for more shows, including Not Another Teen Wolf Podcast, ReWatchable, and Not About The Weather, and for all our latest articles about the stories we're passionate about.
CyberDéfense AI, une PME québécoise fondée en pleine pandémie, a marqué VivaTech avec une solution de cybersécurité simple, performante et souveraine. Son PDG, Michel Bourque, a annoncé la signature d'un partenariat stratégique avec Blue Team, une filiale allemande du groupe Kratos, pour desservir les municipalités en Allemagne. Inspirée par l'affaire Desjardins, CyberDéfense AI veut démocratiser la cybersécurité, en misant sur l'intelligence collective et l'agilité. Entretien avec Michel Bourque à VivaTech.
Vous vendez sur Marketplace, Kijiji ou d'autres plateformes? ⚠️ Méfiez-vous : le fisc vous surveille de plus en plus. Stéphane Desjardins explique les nouvelles règles fiscales qui pourraient transformer vos ventes en revenus imposables. Un segment essentiel pour éviter les mauvaises surprises avec Revenu Québec ou l’Agence du revenu du Canada. Entrevue avec Stéphane Desjardins, chroniqueur en finances personnelles au Journal de Montréal / Journal de Québec. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub.Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Hydro-Québec verse 40 M$ en primes malgré des pertes, alors que Radio-Canada coupe les siennes. Avec Nicolas Gagnon, elle dénonce un scandale de gestion publique. Puis, Daniel Vézina célèbre l’étoile Michelin du Laurie Raphaël : « On pleurait… 34 ans d’efforts! » En finances, Stéphane Desjardins met en garde contre le fisc sur Marketplace. Et Rémi Villemure tranche net : « Les seuls qui aiment les graffitis, c’est ceux qui les font! » Une émission entre colère, fierté et gros bon sens. Une production QUB Mai 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
BIG PENULTIMATE SECTION! BIG FIGHT! BIG MONTAGE TALKIN TO EVERYONE WHO HAS DIED OR IS HANGING AROUND DEAD PEOPLE! Thank the gods we've got Darien from Muses of Mythology to help us discuss all of it, AND a little absolute decimation of Desjardins, as a treat.Be sure to listen to Muses and Eragon and Back Again wherever you stream your pods and follow them on all socials!Check out the art we discussed at the beginning of the episode here: https://www.instagram.com/_.effervecence._/?igsh=ZzR6MGZpNWd0ZnFt#SUBSCRIBE TO OUR PATREON for exclusive Discord access, monthly special episodes, and On-Demand Watch-Alongs of PJOTV! patreon.com/seaweedbrain(Anyone can still stream) Our Episodes 1&2 Watch Party on Youtube: https://www.youtube.com/live/RoNsTTI2whQ?si=tsJGQVlK_clrcyqLFollow our show on Instagram @SeaweedBrainPodcast, on Twitter @SeaweedBrainPod, and on TikTok @EricaSeaweedBrainCheck out our merch shop! https://www.teepublic.com/stores/seaweed-brain-podcast?ref_id=21682
Mirza has a track record of 20 years in the field of researching and trading global foreign exchange. His methodology is built on comprehensive research on underlying fundamentals, rigorous scenario analysis, and a low-frequency, high-conviction approach for idea generation. Mirza has worked at top-tier sell-side firms, including Morgan Stanley, BNP Paribas, Deutsche Bank, and Point 72, a multi-strategy hedge fund. Mirza is now based in Canada and works for Desjardins, where he focuses on G7 currency research. In this podcast we discuss why Trump is targeting Canada, understanding Trump's broader approach, implications of Trump's Liberation Day policies, and much more. Follow us here for more amazing insights: https://macrohive.com/home-prime/ https://twitter.com/Macro_Hive https://www.linkedin.com/company/macro-hive
On October 3, 1996, 42-year-old Audrey Desjardins finished her night shift at a fruit packing plant in St. Davids, Ontario. After dropping off a friend in Welland, she vanished without a trace—along with her red Ford Crown Victoria. Despite extensive searches, including multiple dives in regional waterways, neither Audrey nor her vehicle has ever been found. Nearly three decades later, her case remains one of Niagara's most haunting mysteries. In this episode, we explore the details of her disappearance, the unanswered questions, and the ongoing efforts to find out what happened to Audrey Desjardins.--This podcast is recorded on the territories of the Coast Salish people.Music Composed by: Sayer Roberts - https://soundcloud.com/user-135673977 // shorturl.at/mFPZ0Subscribe to TNTC+ on Apple Podcasts: https://apple.co/TNTCJoin our Patreon: www.patreon.com/tntcpodMerch: https://www.teepublic.com/stores/true-north-true-crime?ref_id=24376Follow us on Instagram: https://www.instagram.com/tntcpod/Follow us on Twitter: https://twitter.com/tntcpodFollow us on Facebook: https://www.facebook.com/truenorthtruecrime Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.
Whoa whoa whoa whoa. Who exactly is evil here? Is it Desjardins? Is it Amos? Why is everyone suddenly a cartoon villain and what the heck is going on with Zia? We've got a lot to figure out here in the desert of New Mexico, and a lot of new flavors to expose Sadie to. Good thing we've got returning guest host Sophia Raines to help us out.Be sure to follow Sophia's substack Analysis Paralysis https://sophiaraines.substack.com/Check out our merch shop! https://www.teepublic.com/stores/seaweed-brain-podcast?ref_id=21682SUBSCRIBE TO OUR PATREON for exclusive Discord access, monthly special episodes, and On-Demand Watch-Alongs of PJOTV! patreon.com/seaweedbrain(Anyone can still stream) Our Episodes 1&2 Watch Party on Youtube: https://www.youtube.com/live/RoNsTTI2whQ?si=tsJGQVlK_clrcyqLFollow our show on Instagram @SeaweedBrainPodcast, on Twitter @SeaweedBrainPod, and on TikTok @EricaSeaweedBrain
[Editor's Note: The following contains spoilers for Yellowjackets, Season 3, Episode 3, "Dislocation."]Raise your hand if you judged Callie way too soon during Season 1 of Yellowjackets. Callie is the only teenager in the present day timeline, and she often acts like it. She's moody, rarely listens to her parents and, in Season 1, Episode 5, crossed a major line by wearing Jackie's (Ella Purnell) Yellowjackets jersey as a Halloween costume. Sure, one could label that bratty, if not cruel behavior, but as Sarah Desjardins pointed out during her Collider Ladies Night interview, we can't forget that Callie is a child, and she's a child that's been subjected to quite a few head-spinning and disturbing situations courtesy of her parents' (Melanie Lynskey and Warren Kole) twisted past and present.While Callie appears to be keeping it somewhat cool at the start of Season 3, there's no doubt there's a lot bubbling up underneath because, as Jeff explains, Callie just witnessed her mother's friends wearing animal masks chasing her through the woods with knives, she shot one of them, and then saw Natalie (Juliette Lewis) die. Sure, they arrived at Lottie's (Simone Kessell) wellness center with “five Dateline's worth of problems,” but the problems they added to that list while there changed the game big time for Callie. In the first few episodes of Season 3, we start to get a sense of how.With the first three episodes of Yellowjackets Season 3 now available to stream on Paramount+, Desjardins swung by the Collider Ladies Night studio to explain how she took the character from a seemingly stereotypical bratty teenager, to a highly determined - and often manipulative - young adult who's been heavily shaped by her mother's mysterious past and will stop at nothing to get answers. Hosted on Acast. See acast.com/privacy for more information.
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