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Compass has filed a lawsuit against Zillow, claiming the platform's listing policies unfairly restrict competition—especially around “Coming Soon” and off-market listings. In this episode, Kathy Fettke unpacks what the lawsuit means for real estate investors who rely on early deal access, private listings, and digital platforms like Zillow, Redfin, and eXp. If you're sourcing deals online, this legal battle could directly impact your strategy moving forward. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1 FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS
¿Qué digo? La mejor hora para escuchar la radio aquí en la linterna con Ángel Expósito. Con Expósito, la última hora en la linterna. Cope, estar informado. Oye Pedro, hoy estás en directo en el estudio macho, pero habitualmente ¿oyes la linterna con tus 13 años? Eh, normalmente, sobre todo cuando voy en el coche. ¿Y te gusta la radio? Sí sí, mucho. ¿Y más en directo, no? Claro claro. ¿Qué tal has acabado el curso? Pues bastante bien, la verdad. ¿Sí? ¿Buenas notas? Sí, sí, sí. Qué tío macho. Gracias por venir chaval. Nada. Cuídate. Adiós. El juez pide al tribunal supremo que impute al ministro ...
Dans la prestigieuse salle du Musikverein, à Vienne, en Autriche, temple de la musique classique connu des mélomanes du monde entier, se déroulent des concerts pas comme les autres. Des concerts Souvenir qui s'adressent aux personnes atteintes de démence. Le but est de réveiller leur mémoire, à travers la musique et ses émotions. Cet après-midi, la magnifique salle Brahms du Musikverein de Vienne, en Autriche, accueille un concert un peu particulier, Souvenir, destiné aux personnes atteintes de démence et leurs accompagnants. Ils sont plusieurs dizaines à s'installer lorsqu'un trio de jeunes musiciens commence à jouer un programme spécialement conçu pour eux. Mélange de classiques et de variétés du 20e siècle. Une animatrice introduit chaque morceau et encourage même les spectateurs à chanter. On voit des mains en attraper d'autres, des têtes qui se posent sur l'épaule du voisin. C'est le but de ces concerts : réveiller les émotions et la mémoire des spectateurs. Pari réussi pour Elfriede, 84 ans, qui a quitté sa maison de retraite avec son accompagnant Walter. « J'ai toujours aimé me rendre à des concerts et celui-ci était beau, magnifique. J'ai aimé toutes les chansons. C'est toujours un plaisir et quelque chose de spécial au Musikverein. Je crois que je pourrais y aller tous les jours », confie-t-elle. « Par la musique, on peut toucher les personnes atteintes de démence au niveau émotionnel. Ces concerts permettent de bien travailler sur leur mémoire, car après, on en reparle. On leur demande de quoi ils se souviennent. Alors, on chante à nouveau ensemble certains morceaux du programme », abonde son accompagnant. Organisés depuis 2022, ces concerts sont bien fréquentés et pas uniquement par des personnes atteintes de démence. Peter, par exemple, accompagne son fils autiste, Alex. « Mon fils écoute des concerts sur YouTube toute la journée. C'est ce qui le calme. Certains autistes ne peuvent pas supporter quand il y a trop de bruit ou trop de personnes dans une salle. C'est pourquoi les gros concerts sont difficiles. Les personnes ayant des besoins particuliers ne sont malheureusement toujours pas intégrés correctement dans la société. Mais ici, on rencontre d'autres familles avec des enfants handicapés et de nombreuses amitiés se sont déjà nouées », témoigne-t-il. Pour les musiciens aussi, cette expérience est remplie d'émotions, comme l'explique le pianiste Shimon Krizek et la violoniste Susanna Budzinski, tous deux polonais : « Je me souviens que lors d'un concert au cours duquel j'ai joué une aria. Un spectateur, probablement un ancien chanteur, a tenu la dernière note aussi longtemps que cela est possible. J'ai donc dû moi-même tenir cette dernière note. Parfois, j'ai l'impression que je vais me mettre à pleurer. C'est vraiment fantastique », explique, ému, le pianiste. « Habituellement, le public reste assis à apprécier la musique, mais ici, certains se mettent à chanter ou à danser. Ils nous envoient une grande énergie. C'est une expérience très enrichissante, non seulement pour les artistes, mais aussi pour le public, car il est scientifiquement prouvé que la musique aide les personnes atteintes de démence », abonde la violoniste. En Autriche, environ 170 000 personnes sont actuellement atteintes de démence. À lire aussi«Expériences vibratoires»: un cycle d'ateliers pour initier les personnes sourdes à la musique
This week on This Week in Real Estate (tWiRE), we're unpacking a whirlwind of industry headlines that could reshape how agents, brokers, and buyers navigate the market.
Ceci est un extrait de l'épisode 254 avec Charline Vermont, alias Orgasme et moi sur les réseaux. Voici le descriptif :Vous connaissez ce moment gênant où notre enfant vient nous voir en nous demandant “maman, papa, comment on fait les bébés?”Beaucoup de parents redoutent cet instant où il va falloir sortir des explications qui leur paraissent soit trop intimes, soit trop risquées.Cette question est peut-être la première d'une longue série entre l'enfance et l'adolescence qui nous met dans un malaise parfois assez profond. Si vous êtes dans ce cas là alors pas de panique, Charline Vermont, alias orgasme et moi sur les réseaux sociaux est là pour vous aiguiller face à toutes les questions que peuvent avoir vos enfants.Dans cet épisode hyper riche et pratique, vous ressortirez équipé pour affronter les conversations les plus intimes au plus pragmatiques.Charline est passionnante, à travers son best seller Corps, amours, sexualité, les 120 questions que vont vous poser vos enfants, elle vous permet de créer une connexion profonde avec vos enfants et vos adolescents.Vous êtes prê•tes ? Allez c'est parti.Je vous souhaite une très bonne écouteLES LIENS UTILES :Corps, amour, sexualité : Les 120 questions que vos enfants vont vous poser, Sophie Nanteuil, Charline VermontCorps, amour, sexualité : Le cahier d'activités (+ 150 quiz, tests & jeux) Charline VermontCorps, amour, sexualité : Y'a pas d'âge pour se poser des questions ! L'éducation à la sexualité enfin à la portée de tout le monde ! Charline Vermont
Son las 10, las 9 en Canarias. ¿Qué tal? Soy Ángel Expósito. Seguimos con la linterna encendida de este martes. Con Expósito, la última hora en la linterna. Cope, estar informado. En unos minutos profundizamos en lo último sobre la crisis en el gobierno tras las últimas informaciones. Hay alguna de última hora que lo vas a flipar, sobre el caso Ábalos, Cerdán, Koldo. Analizaremos una nueva carta de Pedro Sánchez a la militancia. Explicaremos qué está pasando en Oriente Medio entre esa guerra entre Irán e Israel. Como te digo, eso dentro de unos minutos, antes quiero detenerme en lo que sigue ...
Aterrados y los parias de la tierra. Esta es una buena hora para escuchar la radio, qué digo, la mejor hora para escuchar la radio. Aquí en La Linterna con Ángel Expósito. Con Expósito, la última hora en La Linterna. Cope, estar informado. Qué grande. A ver si hay suerte, mañana se falla el premio Princesa de Asturias de Cooperación Internacional, a ver si hay suerte para ese Hogar Nazaret y mi amigo el padre Doñoro. El mundo hecho trizas y nosotros con este percal. Oriente Medio al borde de una guerra inédita, una guerra total entre Israel e Irán, y aquí en España sobreviviendo a la ...
Stéphane Allix est l'invité du 200ème épisode du podcast C'est quoi le bonheur pour vous? Que se passe-t-il lorsque nous mourrons ? Que devient notre conscience ? Survit-elle à la mort cérébrale ? Ces questions vertigineuses se sont imposées au journaliste d'investigation Stéphane Allix au moment du décès de son frère en avril 2001. Stéphane est alors reporter de guerre, il a 32 ans. Sa vie vient de basculer. Il va désormais mobiliser toutes ses compétences et son instinct de journaliste pour tenter d'élucider le mystère de la conscience. Qu'en disent les médecins ? Les neurosciences ? Méthodiquement, il étudie les recherches dans différentes disciplines, ainsi que les innombrables expériences autour de la mort rapportées par tant de personnes à travers le monde, et qui bouleversent notre modèle matérialiste : Expériences de mort imminente, médiumnité, expériences extraordinaires autour de la fin de vie, capacités extrasensorielles et autres, la science s'est en effet penchée sur ces sujets qui suggèrent que la conscience aurait différentes dimensions, dont certaines s'affranchissent de l'espace et du temps. Dès lors, la mort pourrait n'être qu'un passage entre deux plans d'existence. Nous ne sommes plus dans le seul registre de la croyance, mais dans celui de la rationalité appliquée aux faits observés. L'hypothèse est étayée, à la fois par d'innombrables témoignages, mais aussi par quantité de scientifiques. Pour aller plus loin, Stéphane Allix décide, dès 2006, de franchir un pas et de faire lui-même l'exploration, en état de conscience modifié, de ces autres dimensions de la conscience, à travers des voies alternatives, des pratiques spirituelles millénaires comme le chamanisme. Une aventure personnelle et intense, l'expérience directe d'une autre réalité. C'est ce double cheminement, étalé sur plus de quinze ans — d'un côté un implacable travail d'enquête scientifique, et de l'autre une bouleversante expérimentation psycho-spirituelle intuitive — qui a conduit Stéphane Allix à découvrir que l'homme possède bien réellement une dimension spirituelle, et que la vie après la mort est une réalité. Une partie fondamentale de notre conscience transcende l'activité de notre cerveau, et n'y trouve pas sa source. Cette partie fondamentale semble être notre essence, notre être profond. Elle est immortelle. Ce constat, que la science découvre aujourd'hui, est au cœur des enseignements spirituels millénaires.
Whats up Homies!If you have a question for the podcast or if you want to learn about Partnering with us at eXp realty drop us an email at Jackson@realagentnow.com or Jesse@realagentnow.com
DSD 6.6 | How much variability is allowable? Timing of insemination is still one of the most common question Dr. Paul Fricke, Extension faculty for the University of Wisconsin, gets from farmers. This month he and coauthors Vanda Santos and Paulo Carvalho discuss the ideal timing of insemination when using popular artificial insemination protocols and when producers use estrus detection devices. Additionally, how does this change if you choose to use sexed semen or a straw of beef? Listen in to learn how to improve the pregnancies / AI metric in YOUR herd. Topics of discussion 1:36 Introduction of Dr. Paul Fricke, Vanda Santos and Paulo Carvalho 2:48 OvSync history (1995): 0, 8, 16, 24 or 32 hours - timing of insemination 6:39 Exp. 1: Study Design – 0 vs 16 hour 7:55 Conception reductions due to cosync 10:18 Exp. 2: Optimal time of sexed semen breeding 11:43 Fig. 4: CR of Beef vs sexed semen 13:24 P/AI Results, sexed semen 14:34 ReSync protocol - GGPPG 16:10 Exp. 3: Electronic estrus detection 18:00 Fig. 4: Conception, Early (0-2 hr) vs Late (20-25 hr) 19:49 Conception 13-23 hours after estrus detection 22:03 Raw data points on fig 3, Exp. 2 23:36 Fig 2: Early (0-2 hr) vs Ideal (15-16 hr) 24:27 Once a Day Breeding, killing the AM/PM rule 26:00 Expected pregnancy loss 28:49 What do you want “boots on the ground” dairymen to learn from this project? Featured Article: Effect of timing of artificial insemination with conventional or sex-sorted semen on fertility of lactating dairy cows #2xAg2030; #journalofdairyscience; #openaccess; #MODAIRY; #conception; #ovsync; #doubleOvsync; #sexedsemen; #cosync; #resync; #pregnancyloss; #AM/PMrule; #dairysciencedigest; #ReaganBluel
Cubrimos el resto de los eventos de veranos junto con la nueva y primera portátil de Xbox, Game on! Exp 33 spoilercast a que ZidaneSG1 https://youtu.be/hvs8bRH6h3Q?si=-PMVdxe1JNZmmrEy ¡Suscríbete Ya! Estamos en todas partes para que puedas escucharnos cuando quieras y donde quieras. Enlace a todas las formas de escuchar el podcast y las redes sociales: https://sumpodcast.blogspot.com/2019/01/enlaces-todas-las-formas-de-escuchar-e.html Notas del Episodio: https://sumpodcast.blogspot.com/2025/06/semana-gamer-348.html Todo el material de terceros fue usado bajo la condición de “Fair Use”.
J'ai l'intime conviction qu'une société qui va bien est une société qui prend particulièrement bien soin des mères.Je sais que la France a encore un long chemin devant elle avant d'arrêter d'être maltraitante envers les mères. En attendant, nous avons la chance d'avoir des femmes qui se battent pour mettre en lumière les enjeux de santé mentale. C'est ce que fait Elise Marcende, la directrice de l'association Maman Blues, qui est une bouée de sauvetage pour les mères en détresse.Avant de venir en aide aux autres, Élise a elle-même traversé l'enfer d'un accouchement émotionnel violent il y a 15 ans. Sa maternité ne s'est pas faite dans la joie ni dans la douceur, mais à travers une dépression anténatale et une dépression post-partum sévères, qui l'ont menée jusqu'à l'hospitalisation.Dans cet épisode, Élise nous raconte sans détour son entrée fracassante dans la maternité, le lien d'attachement briséavec sa fille à la naissance, et comment elle a peu à peu reconstruit sa vie. Ensemble, nous avons parlé de santé mentale périnatale, de solitude, de tabous encore trop présents… mais aussi de résilience et d'engagement.Aujourd'hui, à travers Maman Blues, Élise met toute son énergie pour que d'autres mères ne se sentent plus jamais seules face à leur souffrance. Un épisode fort, authentique, et porteur d'espoir.Lien utile : Maman Blues
Is eXp Realty bad for new agents—or just misunderstood? In this episode, I break down what most people get completely wrong about eXp, and how—with the right sponsor—you can actually thrive from day one.I'll share the real story about what eXp offers, how I coach new agents personally, and how one of my partners, Joseph, got his first deal under contract in just 3 weeks after joining us. You'll also see how I help agents get connected to the right mentor, state leadership, and the best training tools in real estate—plus exclusive access to our Wolfpack coaching platform.
Hola, aquí en la linterna con Ángel Expósito. Con Expósito, la última hora en la linterna. Cope, estar informado. El tema sigue siendo el mismo que ayer y lo que te rondaré. Así que, por eso de ir ilustrando la cosa como se merece, música de fondo Antonio, por favor. ¿Te imaginas lo que queda por saber del caso Ábalos, Santos Cerdán, Coldo? Porque esto es lo que se han dicho ellos por mensaje, uno grabando al otro o viceversa. Esto es lo que se han dicho por WhatsApp o por teléfono, pero ¿te imaginas las conversaciones de estos tres pájaros? Lo que se han tenido que decir a la cara en los ...
Hace dieciséis años, Albert Jané y Òscar Expósito transformaron un laboratorio universitario en el punto de partida de un proyecto con una visión clara: unir ciencia y naturaleza para crear una nueva forma de entender la cosmética. Vytrus Biotech, nació en 2009, en la Facultad de Farmacia de la Universidad de Barcelona, con el objetivo de trasladar el conocimiento científico al sector cosmético mediante una propuesta diferencial e innovadora. Hoy en empresas cotizadas, Jordi Rovira, CFO y Miembro del Consejo de Administración de Vytrus Biotech, nos habla de la historia de la empresa, así como su presente y su futuro. En 2011, Vytrus logró un hito relevante en el ámbito nacional. La creación del primer ingrediente cosmético basado en células madre vegetales desarrollado en España. Este avance, junto con la confianza de los primeros inversores, permitió establecer las primeras instalaciones y unidades de producción. Entre 2013 y 2018, la compañía consolidó su proyección internacional. La biotecnología verde de Vytrus comenzó a integrarse en formulaciones cosméticas en Europa, Asia, América y Oceanía. Actualmente, sus ingredientes están presentes en más de 42 países. En marzo de 2022, otro hito marcó su trayectoria: la compañía comenzó a cotizar en el mercado BME Growth, especializado en pequeñas y medianas empresas con alto potencial de crecimiento. Este paso reforzó su compromiso con la transparencia, la sostenibilidad y la innovación. De cara a este año 2025, el invitado se muestra positivo, y a pesar de haber firmado un arranque de año excepcional, con una subida del 83% en el BME Growth, Jordi asegura que “confiamos en que el siguiente trimestre, el crecimiento sea superior”. Para ello, afirma medidas como duplicar la apuesta inversora para expandir la capacidad productiva”.
(S4 Ep 27) The Jimi Hendrix Experience Axis: Bold as LoveReleased December 1967 and recorded mostly May -June 1967 (Reprise in the USA and Polydor in the UK) Axis: Bold As Love is the Jimi Hendrix Experience's pivotal second album. Produced by Chas Chandler and engineered by Eddie Kramer, it arrived just seven months after Are You Experienced, showcasing Hendrix's rapid artistic growth. The album bridges raw psychedelia and the jazz-inflected soul of Electric Ladyland, with standout tracks like “Little Wing,” “Spanish Castle Magic,” and the epic closer “Bold as Love.” Studio innovations—including stereo panning, backward guitar, and flanging—are evident on tracks like “EXP.” Though less commercially successful than its predecessor, Axis is now hailed as a masterpiece. Hendrix's lyrical introspection, technical guitar wizardry, and the trio's cohesive interplay marked a new direction for rock. The album's blend of soul, blues, and psychedelia cements Hendrix as one of the most innovative artists of the 1960s, rivaled only by The Beatles.Signature Tracks: "Little Wing," "Castles Made of Sand," "Bold As Love" Full Album You Tube Spotify Playlist YouTube Spotify
La buena hora para escuchar la radio. ¿Qué dices? La mejor hora para escuchar la radio. Aquí en la linterna con Ángel Expósito. Con Expósito, la última hora en la linterna. Cope, estar informado. Pues un saludo y gracias, chicas, a la hija y a la sobrina de nuestro compañero Nico. Ya sabéis, cuando queráis quitarnos el curro, por lo bien que lo habéis hecho, aquí estamos. Gracias a las dos. Noticia del día, no por ello menos esperada. El magistrado del Tribunal Supremo, Ángel Hurtado, ha acordado procesar al fiscal general del Estado por un delito presunto de revelación de secretos contra ...
Son las 10, las 9 en Canarias. ¿Qué tal? Soy Ángel Expósito. Seguimos con la linterna encendida de este lunes. Con Expósito, la última hora en la linterna. Cope, estar informado. Te cuento una última hora. Esta tarde noche, los religiosos de España han convocado un acto público de reconocimiento y perdón a mujeres que fueron sometidas a condiciones de vida injustas y dolorosas en la segunda mitad del siglo XX en España, bajo el Patronato de Protección a la Mujer. Una institución pública donde actuaban algunas órdenes religiosas. El acto, como ha dicho su presidente Jesús Díaz Sariego, se ...
Bonjour et bienvenue sur Wine Challenge,Au programme de ce 120ème épisode, partons direction Beaunay, à la rencontre de Maxime Oudiette : 00:58' : Son projet sur le domaine familial01:30' : Sa découverte du métier de vigneron03:24' : Trouver sa voie professionnelle04:07' : Une reconstruction familiale04:43' : Sa vision de la transmission05:19' : Son souhait de vinifier06:20' : Trouver sa place au domaine08:35' : Travailler en famille09:38' : Des peurs et des doutes11:51' : Le gestion du stress 12:52' : Expérimenter de nouvelles pratiques13:59' : Faire face à des échecs17:05' : S'entourer pour progresser17:53' : Appréhender son parcellaire20:08' : Le terroir de Beaunay 22:38' : L'envie de faire connaître son terroir24:07' : Se lancer dans la commercialisation 25:38' : Ses précédentes expériences27:04' : L'évolution de sa vision de la Champagne29:10' : Avec un peu de recul…30:09' : La famille, les voyages et la natureBelle écoute à toutes et à tous !Crédit Photo : lifeinbubble.de Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.
Episode Summary: In this powerhouse episode, John Kitchens is joined by Kendall Bonner, a dynamic leader at eXp Realty and a force behind driving innovation and strategic growth in the real estate industry. Kendall unpacks the power of thinking differently, how eXp evaluates opportunities, and why looking at the true addressable market is key to future-proof business decisions. They dive deep into how eXp is "stacking the deck" by building intentional systems, fostering client-centric innovations, and leveraging AI to dominate the evolving landscape. Kendall shares her leadership journey, the importance of value alignment, her approach to partnerships, and how top performers separate themselves by being relentless about mindset, skillset, and toolset mastery. The conversation touches on: The critical shift from customer service to client experience. Why AI will not replace agents — but agents using AI will dominate. How eXp is building the number one brand through tech and global expansion. The overlooked dangers of confirmation bias with AI. The necessity of continuous personal and professional growth. Kendall also reflects on her leap from law to real estate, the lessons from the short sale market, and what it really takes to scale a modern brokerage. A must-listen for anyone serious about becoming a CEO in real estate and future-proofing their business. Key Takeaways: Strategic Decision Making: Focus on the addressable market — not just agent count, but transaction volume and unit potential. Client Experience vs. Customer Service: Shift from reactive service to proactive, intentional client experiences that create loyalty and drive referrals. The Power of Core Values: How transparency, agility, and sustainability guide decision-making at eXp. AI as a Skillset: Leveraging AI is no longer optional. The future belongs to those who view AI mastery as a daily skill, not a random tool. Environment Matters: Surround yourself with growth-minded people and systems that continually challenge and upgrade you. Leadership Lessons: True leaders plant seeds and trust their teams to operationalize vision with freedom and accountability. Growth Mindset: Continuous learning, strategic planning, and developing mindset-skillset-toolset are non-negotiables for long-term success. Resources & Mentions: Book Mentioned: Stacking the Deck by David S. Pottruck Book Mentioned: Buy Back Your Time by Dan Martell Book Mentioned: The AI-Driven Leader by Andrew Leigh Learn more at johnkitchens.coach "Client experience isn't random; it's intentional, documented, systematized, and scalable." — Kendall Bonner Connect with Us: Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!
C'est un paradoxe qui fait réfléchir : nous connaissons mieux la surface de la Lune -voire celle de Mars- que les fonds marins de notre propre planète. Alors que des satellites ont cartographié chaque cratère lunaire avec une précision étonnante, plus de 80% de nos océans restent encore aujourd'hui largement inexplorés. L'océan, pourtant omniprésent, demeure un monde difficile d'accès alors qu'il fait partie intégrante de notre planète. Sa profondeur, son opacité, sa pression extrême rendent son exploration bien plus complexe que celle d'un corps céleste sans atmosphère. Les choses changent.De l'espace aux abysses, la donnée c'est-à-dire la connaissance, est désormais au cœur des rapports de puissance. Les océans entrent à leur tour dans l'ère du numérique. Dans ce contexte, le sommet international sur les océans qui se tient ce mois-ci à Nice dans le sud de la France, ambitionne de poser les bases d'une gouvernance renouvelée de la mer, où sciences, technologie et stratégie se croisent. Que signifie vraiment cette numérisation de l'océan dont on parle tant ? Cartographier les fonds, surveiller les flux, modéliser les écosystèmes, traquer les pollutions, anticiper les catastrophes… Derrière la collecte, le traitement et la valorisation des données maritimes, se joue une nouvelle forme de souveraineté. Des satellites aux capteurs sous-marins, des jumeaux numériques aux plateformes de données partagées, qui maitrise les outils ? Et surtout à quelles fins ? Coopérer ou dominer, explorer ou exploiter, protéger ou surveiller ? La donnée maritime devient un champ d'affrontements aussi bien technologiques que politiques. Dans un contexte marqué par la montée des conflictualités hybrides, la souveraineté maritime ne se pense plus sans souveraineté numérique. La mer est-elle un territoire numérique comme les autres ?Édition en partenariat avec la Revue Internationale et Stratégique et son numéro intitulé «L'Océan transparent. Géopolitique des données maritimes ».Invités : Julia Tasse, coordinatrice du numéro de la RIS. Responsable du programme Océan de l'Iris. Autrice de « Géopolitique de la mer » Guillaume Delacroix, journaliste indépendant spécialisé dans les sujets liés à l'océan et au changement climatique. Contributeur au Monde et à L'Express Charles Guenois, officier de Marine, en échange chez Orange Cyberdéfense. Expérience opérationnelle sur les bateaux de la marine et dans le numérique.
Vous connaissez ce moment gênant où notre enfant vient nous voir en nous demandant “maman, papa, comment on fait les bébés?”Beaucoup de parents redoutent cet instant où il va falloir sortir des explications qui leur paraissent soit trop intimes, soit trop risquées.Cette question est peut-être la première d'une longue série entre l'enfance et l'adolescence qui nous met dans un malaise parfois assez profond. Si vous êtes dans ce cas là alors pas de panique, Charline Vermont, alias orgasme et moi sur les réseaux sociaux est là pour vous aiguiller face à toutes les questions que peuvent avoir vos enfants.Dans cet épisode hyper riche et pratique, vous ressortirez équipé pour affronter les conversations les plus intimes au plus pragmatiques.Charline est passionnante, à travers son best seller Corps, amours, sexualité, les 120 questions que vont vous poser vos enfants, elle vous permet de créer une connexion profonde avec vos enfants et vos adolescents.Vous êtes prê•tes ? Allez c'est parti.Je vous souhaite une très bonne écouteLES LIENS UTILES :Corps, amour, sexualité : Les 120 questions que vos enfants vont vous poser, Sophie Nanteuil, Charline VermontCorps, amour, sexualité : Le cahier d'activités (+ 150 quiz, tests & jeux) Charline VermontCorps, amour, sexualité : Y'a pas d'âge pour se poser des questions ! L'éducation à la sexualité enfin à la portée de tout le monde ! Charline Vermont
Whats up Homies!If you have a question for the podcast or if you want to learn about Partnering with us at eXp realty drop us an email at Jackson@realagentnow.com or Jesse@realagentnow.com
Para escuchar la radio. ¿Qué digo? La radio. La mejor hora para escuchar la radio con Ángel Expósito en la linterna. Con Expósito, la última hora en la linterna. Cope, estar informado. Te doy mi palabra, Juan, profe, que no había oído el saludo hasta ahora que lo hemos puesto en directo. Me ha parecido muy original, chulísimo. Estoy convencido que lleno de cariño, así que muchas gracias por escucharnos, por el mensaje. Oye, y al coro que tenías de fondo también, ¿eh? Que aquí el profe es el profe, pero lo del coro me ha parecido divertidísimo. Muchas gracias, amigo, suerte. ¿Qué será lo ...
Une meilleure anesthésie pour les enfants lors d'opération Les brèves du jour Présentation de la Station d'Écologie Théorique et Expérimentale du CNRS Thad Roberts et le vol des pierres lunaires
In this episode of Industry Relations, Rob and Greg run a thought experiment: What if we're entering a true buyer's market? They walk through ten major industry topics—from antitrust litigation to portals, AI, and MLS relevance—and analyze how each might shift if buyers suddenly gained the upper hand. Along the way, they debate policy, technology, and market psychology, drawing connections between historical trends and current market signals. Watch us on YouTube! Links The U.S. Housing Market Has Nearly 500,000 More Sellers Than Buyers—the Most on Record. That Will Likely Cause Home Prices to Fall Key Takeaways Antitrust & Legal Landscape – Discussion of how a buyer's market might (or might not) affect current and future antitrust lawsuits in real estate. Government Regulation – Exploration of potential political reactions, including pressure on corporate landlords, affordability policy, or even renewed interest in rent control. Tech-Enabled Brokerages – Examination of whether brokerages like Redfin, Compass, and eXp gain or lose advantage when the market shifts toward buyers. iBuyers & Institutional Activity – Rob and Greg assess whether a buyer's market helps or hurts companies like Opendoor and investor-focused strategies. Portals & Exclusive Inventory – Deep dive into how platforms like Zillow and Homes.com may adapt, and whether exclusive listings could gain ground. AI & Automation – Consideration of how AI could enable cheaper, more scalable buyer representation services—and who might benefit. Consumer Trust – Debate over whether a buyer's market could rebuild trust in the industry or simply reduce agent count, leaving higher-quality professionals. DIY Real Estate – Why self-service homebuying remains unlikely to surge, even with market power shifting toward buyers. Industry Consolidation – Prediction that competitive pressure could drive further brokerage and vendor consolidation. MLS & Association Relevance – Analysis of whether MLSs become more or less important in a buyer's market, especially in the context of exclusives and policy enforcement. Connect with Rob and Greg Rob's Website https://notoriousrob.substack.com/ Greg's Website https://www.vendoralley.com/about-2/ Our Sponsors: Cotality https://www.cotality.com/ Notorious VIP https://notoriousrob.substack.com The Giant Steps Job Board https://vendoralley.jobboard.io/ Production and Editing Services by Sunbound Studios
Una mejor hora para escuchar la radio. Aquí en la linterna con Ángel Expósito. Con Expósito, la última hora en la linterna. Cope, estar informado. Mira, no sé, tú mete, mete en una coctelera, mezcla personajes, escenas de La que se avecina, Aquí no hay quien viva, La escopeta nacional, Esta casa es una ruina, Apocalipsis zombi, yo qué sé. En Manuel Torrente, sí sí, no te rías, en Manuel, por el tema de las churris y las sobrinas y eso. Torrente se queda corto. Santiago Segura ha sido superado por la realidad. ¿Te acuerdas? Juntos, vosotros y yo vamos a hacer historia. Y sin apenas ...
In this power-packed episode of Rethink Real Estate, host Ben Brady sits down with Tina Caul, Founder & Chief Visionary of Caul Group Residential powered by eXp Realty. From closing 130 personal deals a year to stepping completely out of production, Tina shares how she built one of eXp's top three teams nationwide—without being a slave to her phone or her calendar. With over 70 agents and a leadership structure that rivals most brokerages, she unpacks what it really means to scale a business with leverage.Tina gets candid about her breaking point, the mistakes she made building her first team, and the moment she realized that leadership isn't about doing everything yourself—it's about creating systems that outlast people. She explains the frameworks that saved her sanity, including EOS and Working Genius, and gives a behind-the-scenes look at the math, mindset, and staffing it takes to build a profitable, high-volume machine in a market where agents are dropping like flies.Plus, hear why she intentionally shrunk her team, how she determines agent profitability, and why she believes most real estate “freedom” is a myth. This one's for the solo agent considering their first hire and the seasoned leader wondering why their team feels like chaos.Timestamps & Key Topics:[00:01:27] – From 130 Deals to None: Tina's Leverage-First Mindset[00:04:41] – What Makes or Breaks a Real Estate Team Leader[00:06:06] – How the Working Genius Model Changed Her Business[00:10:41] – The Mistake Most Team Leaders Make with Their First Hire[00:12:27] – Scaling Without Burnout: Tina's Daily Life Now[00:17:01] – Building Roles vs. Building Around People[00:21:00] – Market Insights from the Raleigh Triangle & Beyond
Puedes escuchar los dos programas a través de las aplicaciones móviles y también en cope.es. Son las 7, las 6 en Canarias. ¿Qué tal? Soy Ángel Expósito. Encendemos la linterna de este martes. Estamos en Jaca este martes 3 de junio. Con Expósito, la última hora en la linterna. Cope, estar informado. Pues tenemos noticia de, no de última hora, de último segundo. Acabamos de saber que Leire Díez, ya sabes, la fontanera de las cloacas o como quieras llamarlo, del PSOE, ha solicitado la baja voluntaria como afiliada del Partido Socialista. Mañana comparece en teoría ante los medios a las 10 de la ...
La mejor hora para escuchar la radio con Ángel Expósito en la linterna. Bienvenidos. Con Expósito la última hora en la linterna. Cope, estar informado. Joaquín, mi coronel, ¿cómo es eso de vivir en una ciudadela del siglo XVI? Eso tiene que molar, ¿eh? Pues la verdad que sí, sobre todo para mis nietos. ¿Ah, sí? Claro, mis nietos cuando vienen aquí dicen, pues vamos a vivir en un castillo. La verdad que es espectacular. Sí, pero ahora, sí, iba a decir, ahora ya fuera fuera de bromas o fuera de ese tono de cierta de cierto humor, es vivir en un sitio para la historia, pero con mayúsculas, ¿eh? ...
es 3 de junio con Expósito la última hora en la linterna Cope estar informado el día pasa por el caso leire ya se ha dado de baja como militante del PSOE tras el escándalo de los audios en los que pide información comprometedora sobre la UCO de la Guardia Civil mañana al parecer comparecerá ante los medios también es noticia que España sigue con su desconexión total de Israel al haber revocado una licencia de compra de misiles fuera en nuestras fronteras la portada de la crónica internacional vuelve a ser Ucrania que hoy ha golpeado otra vez infraestructuras claves rusas en este caso el ...
Whats up Homies!If you have a question for the podcast or if you want to learn about Partnering with us at eXp realty drop us an email at Jackson@realagentnow.com or Jesse@realagentnow.com
Una buena hora para escuchar la radio. ¿Qué digo? Es la mejor hora de escuchar la radio aquí en la linterna con Ángel Expósito. Con Expósito, la última hora en la linterna. Cope, estar informado. Escucho, escucho a Juan Carlos y lo primero que me viene a la cabeza son mis vacaciones cuando era niño en Villajoyosa, en Benidorm. Qué grande, qué tierra, qué gente y qué buenos oyentes, amigo. Gracias, Juan Carlos, por estar ahí. Se confirma que no hay límite. La casquería, la basura, las mentiras se entremezclan del modo más cutre posible. El torrente de Santiago Segura es un pringado frente a ...
"Tout le monde peut être fondateur"Vidéo disponibleJe reçois Marc Laurent, cofondateur de Kerala Ventures, et actuel cofondateur et CEO de Carbonfact : une startup qui permet d'évaluer l'empreinte carbone des produits de l'industrie textile.Ancien investisseur en startup et aujourd'hui (serial) entrepreneurial, Marc me raconte son quotidien d'entrepreneur : naviguer entre ambition, incertitude et quête de sens en transformant l'industrie de la mode.On parle du métier de CEO et le rôle de fondateur, ses débuts à 25 ans en capital-risque chez Kerala Ventures (fonds cofondé avec son ancien boss Antoine Freysz, alors qu'il n'avait que 25 ans), cette frontière floue entre fondateur et dirigeant, son passage au célèbre incubateur Y Combinator, et surtout le saut dans le vide émotionnel qui accompagne l'entrepreneuriat.On parle de confiance, d'itération, d'entourage, et de ce fameux équilibre vie pro/perso si souvent idéalisé.Il nous montre aussi comment Carbonfact va bien au-delà du greenwashing pour aider concrètement les entreprises à mesurer et réduire leur impact environnemental.Bonne écoute !
La Vall d’Aran no es un escenario. Es un organismo vivo que decide cuándo abrirte paso y cuándo cerrarte el camino. Aquí no mandan los relojes ni los récords personales, manda la montaña. Este fin de semana lo hemos comprobado en primera persona. Junto a Fred Urrutia —compañero en RUNNEA y periodista incansable— viajamos hasta Vielha para preparar la Val d’Aran by UTMB de este 2025. ¿El objetivo? Reconocer el terreno. ¿La experiencia? Mucho más que eso. Lo hicimos de la mano de Aran Discover, el único partner oficial de la prueba. Y lo que en principio iba a ser una toma de contacto con el recorrido, se convirtió en una lección de trail, de vida y de respeto por un entorno tan salvaje como bello. David y Fran, los fundadores de Aran Discover, no son guías al uso. Son corredores, locales, apasionados del terreno y de su cultura. “Este valle lo conocemos como si lo hubiéramos parido”, nos dicen mientras señalan una senda invisible entre pinos y rocas. Ellos han corrido las distintas distancias del evento. Han organizado la primera edición. Y, sobre todo, han entendido que lo que muchos corredores necesitan no es solo un track, sino contexto: saber lo que te espera en cada kilómetro, por dónde vendrá el calor, dónde escasea el agua o qué subida te vacía sin avisar. Aran Discover nace justo para eso: para ofrecer acompañamiento real, guiado técnico y asesoramiento logístico a quienes quieren llegar bien preparados a la carrera. Y no solo a la élite. “Hemos tenido desde corredores que van a por sus primeras 100 millas hasta atletas que pelean por puestos de podio”, explican. La montaña no discrimina. El respeto por el terreno es el primer paso para todos. Parece que lleva toda la vida en el circuito, pero esta será solo la quinta edición. La HOKA Val d’Aran by UTMB nació en 2021, tras un primer intento frustrado por la pandemia. Desde entonces, ha crecido hasta consolidarse como una de las grandes citas del calendario internacional. VDA (163 km): la vuelta entera a la Vall d’Aran. Majestuosa y brutal. CDH (110 km): la hermana pequeña, que no lo es tanto. Técnica, intensa y cambiante. PDA (55 km): con tramos memorables como Colomers o el Port de Rius. EXP (32 km): ideal para disfrutar sin morir en el intento. SKY : distancia más corta con salida en Beret, pensadas para trail runners explosivos o debutantes. Cada prueba tiene su lógica y su terreno. Y cada tramo es un mundo. Colomers no tiene nada que ver con Torán. Artiga de Lin no se parece a Liat. Aquí todo cambia. El paisaje, la piedra, el suelo, la altitud, el clima. Por eso, reconocer el terreno no es un lujo. Es parte del entrenamiento. En tres días aprendimos más que en semanas de planificación desde casa. Porque aquí el mapa no manda. Lo hace el cielo. Lo hace la nieve. Lo hacen las tormentas que entran en media hora y te obligan a improvisar. Como el viernes, en el Tuc de Couva, cuando una tormenta nos sorprendió en altura. Gracias a Fran, bajamos rápido y seguros por una ruta alternativa que él conocía al detalle. Al día siguiente, con David, recorrimos zonas de Montgarri y Montoliu con nieve acumulada. De nuevo, ruta alternativa. Sin su conocimiento, estaríamos hablando de otra cosa. Lo importante no es solo saber por dónde va el recorrido. Es entender por qué, cuándo y cómo abordarlo. Dónde dosificar. Dónde apretar. Qué zonas exigen técnica, cuáles son tramposas. Saber, por ejemplo, que entre dos avituallamientos pueden pasar cuatro horas. O que una subida que parece sencilla en el perfil, se te puede atragantar por calor, altitud o exposición. Hay algo más que queremos destacar. Algo que David y Fran nos repitieron durante todo el fin de semana: “No vengáis solo a correr. Venid a conocer”. La Vall d’Aran no se resume en un dorsal. Aquí hay gastronomía, historia, románico, cultura propia, lengua propia. Y gente. Mucha gente dispuesta a acoger al corredor con cariño. Si te obsesionas con el crono, te perderás todo lo demás. Y lo demás, créeme, vale la pena.
Two guys walk into a podcast... and accidentally summon a demonic goat with the word homesteader. Welcome to episode 41.In this off-the-rails, rabbit-hole-riddled ride, Drew Brucker and Rory Flynn spiral from glass milk bottles and brain microplastics to the existential chaos of AI's future. They debate Claude's weird behavior, muse on whether their kids will ever drive cars, and roast LinkedIn like it's still 2020. Then, of course, they do what they do best—run wild Midjourney prompts live and unfiltered.Highlights include creepy SREF discoveries, EXP permutations, "award-winning" prompt hacks, creepy homesteader experiments, and an uncomfortable number of goat references.If you're into deep thoughts, unhinged experiments, and Midjourney magic with a side of dark humor… this one's for you.---⏱️ Midjourney Fast Hour00:00 – Glass Bottles and Microplastic Doom06:24 – Claude's AI Blackmail Drama09:00 – The Back Nine of the AI Golden Age13:33 – Will Our Kids Ever Drive Cars or See Real Doctors?15:15 – The Rise and Fall of Social Platforms17:55 – Why LinkedIn Hates Creators21:18 – Are New Social Platforms Even Possible Anymore?23:33 – Will Email Still Exist in 5 Years?24:37 – Glasses, Chips, and Black Mirror Futures26:32 – Apple TV's “The Studio” and AI Hysteria29:22 – Rant Break: Midjourney Deep Hours Detour30:00 – Midjourney's Upcoming Video Model + SREF Improvements34:25 – What We Want from Midjourney V8 Video37:40 – The Pink-and-Blue Curse of Drew's Style Code40:43 – National Geographic Prompt Hacks + EXP Tests44:53 – Homesteader Prompt Gets Weird46:08 – Goats, Satan, and Style Profiles49:56 – Album Covers, Dribbble Runs, and Japanese Movie Posters54:04 – Prompt Vibes and Remixing Strategies57:05 – Celestial Blue and Pink: A Personal Prompt Problem59:38 – Rory's “Direct Flash” Moodboard + Realism Runs1:02:06 – Candid Chaos and 90s Party Vibes1:05:13 – Homesteader = Horrorcore (Proof Inside)1:11:37 – Midjourney is Mad at Me (Probably)1:13:48 – Final Thoughts + What's Coming Next---MJ:FH Ep. 41—Midjourney Deep Hours: Existential Dread, But Make It Funny
Episode Overview: In this powerhouse episode, we welcome legendary broker Chuck Fazio to unpack the massive shifts happening in real estate brokerages today. With over 900 agents and $2 billion in annual production, Chuck shares the pivotal moment when he and his wife Angela left it all behind to join eXp—and why thousands are now following suit. They dig into the real reason 6,800 agents switched brokerages in Q1, why top producers are leading the migration, and what that means for the future of independent brokerages. Plus, the conversation takes a powerful turn into mindset, decision-making, and the pursuit of financial, time, and location freedom. Whether you're a team leader, independent broker, or solo agent wondering what's next—this episode is packed with real talk, real numbers, and real advice on how to build a sustainable, scalable real estate business. Key Takeaways: 1. Legacy Brokerages Are Fading Fast Chuck shares why even the most profitable independent brokerages can't compete with the systems, scalability, and community at eXp. The industry is shifting—and fast. 2. Decision-Making in High Stakes Chuck explains the emotional and logical steps he and Angela took to move 900 agents to eXp, emphasizing the role of faith, risk tolerance, and surrounding yourself with bigger thinkers. 3. The Real 3 Freedoms in Business It's not just about money. Chuck highlights the overlooked importance of time freedom and location freedom—and how most agents are trading those for income with no exit. 4. The Agent Migration is Real Q1 saw a record 6,800 agents change brokerages—a 66% YoY increase. And it's the top producers who are leading the exodus. 5. Value Is the New Recruiting With traditional lead gen drying up and client behavior changing, agents aren't chasing splits—they're chasing value, systems, and predictable income. 6. Community Is the X-Factor The biggest benefit Chuck didn't see coming? The eXp community. When high performers collaborate, innovation accelerates—and isolation disappears. Bonus Concepts: Why most agents make decisions out of fear—and how to break that cycle. How eXp has evolved from “chaotic startup” to a proven platform with complete infrastructure. Why agent attraction is no longer about hype—it's about solving the “job to be done.” Resources Mentioned: HoneyBadgerNation.com – Get your merch and nominate the Honey Badger of the Month JohnKitchens.coach – Coaching and resources to grow your business Beyond a Million by Jim Dew – Book recommended for business tax strategy Agent to CEO: Cleveland – Event announcement coming soon! “It's not about having more tools—it's about having the right system that gives you back your life.” – John Kitchens Connect with Us: Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!
Hi This is Brad Weisman - Click Here to Send Me a Text MessageWhat happens when you reach the pinnacle of your career only to discover you've left behind everything that matters? In this raw and transformative conversation, Mat Lewczenko—Author of The Entrepreneur's Regret, performance coach, and regional growth director at EXP—reveals the dark side of entrepreneurial success that few talk about.Matt shares his journey of climbing to what he calls "rock top"—when you've broken through the clouds of success only to find yourself alone, with thinner air and the sobering realization that everyone else seems happier than you. Despite recruiting 176 agents in a single year and earning national recognition within his company, Mat found himself unable to look in the mirror, disconnected from his family, and numbing himself just to reach emotional neutral.The turning point came when his wife delivered five powerful words: "You don't get to do this." This confrontation launched Matt's development of the "Three L's Framework"—leadership, love, and life—that forms the backbone of his book "The Entrepreneur's Regret." Through practical insights like the T.I.M.E approach and brutally honest anecdotes, Mat demonstrates how entrepreneurs can be fully present in both business and family life without sacrificing either.What makes this conversation particularly compelling is Mat's challenge to the dominant hustle culture narrative. "You can absolutely fund the life of your dreams and still have the people in it that you care the most about," he asserts, debunking the myth that success requires sacrificing your relationships, health, or emotional well-being.For anyone who's ever felt torn between business growth and personal fulfillment, this episode offers both validation and a roadmap. As Mat points out, with entrepreneurs 46% more likely to divorce than other professions, the cost of imbalance is too high to ignore. Discover how to be "all in" where it matters, set boundaries that protect what's precious, and achieve success that feels meaningful when you're alone with your thoughts at night.Ready to build success without regret? Grab Matt's book on Amazon and join his masterclass at noregretslive.com to transform your approach to business and life. ---Welcome to The Brad Weisman Show, where we dive into the world of real estate, real life, and everything in between with your host, Brad Weisman!
¿Qué digo? Esta es la mejor hora para escuchar la linterna con Ángel Expósito. Con Expósito la última hora en la linterna. Cope, estar informado. Que he llegado un pelín tarde. espera, escúchalo en condiciones. Hola, soy Víctor y esta es la mejor hora para escuchar la radio. ¿Qué digo? Esta es la mejor hora para escuchar la linterna con Ángel Expósito. Ahí estamos Víctor, eres un crack. A pesar de la sobrina que tienes, eres un crack, ahí lo dejo. Mira, oliendo oliendo la casquería de estos últimos días, me venía a la cabeza una reflexión. Oye, para ser feministas y progresistas y socialistas ...
Vas a vivir. Caserbang presenta Generación Más, un nuevo programa con soluciones, productos y servicios para acompañarte en tu jubilación. Generación Más, más por vivir. Descúbrelo. Caserbang, tú y yo, nosotros. Las diez, nueve en Canarias. ¿Qué tal? No soy Ángel Expósito. Seguimos con la linterna encendida en este jueves 29 de mayo. Maestro, es tu turno. Con Expósito, la última hora en la linterna. Cope, estar informado. Es que la noticia manda, he tenido que salir inmediatamente a poner orden en este carajal con esta gentuza y ha pillado aquí a Antonio Raez y bueno, ha tenido que hacer lo ...
In episode 39 of Wake Up to Wealth, Brandon Brittingham interviews Glenn Sanford, the Founder and CEO of eXp World Holdings, Inc., as he discusses the importance of focusing on agent experience and the innovative strategies that have led to eXp's rapid expansion, both in the U.S. and internationally.Tune in to discover insights from Glenn that have the potential to change your perspective on real estate and wealth-building. SOCIAL MEDIA LINKSBrandon BrittinghamInstagram: https://www.instagram.com/mailboxmoneyb/Facebook: https://www.facebook.com/brandon.brittingham.1/ Glenn SanfordInstagram: https://www.instagram.com/glenndsanford/Facebook: https://www.facebook.com/gsanford/LinkedIn: https://www.linkedin.com/in/glenndsanford/ WEBSITESBrandon Brittingham: https://www.brandonsbrain.org/homeeXp World Holdings, Inc.: https://expworldholdings.com/==========================SUPPORT OUR SPONSORS:Horizon Trust: https://www.horizontrust.com/brandonbMS Consultants: https://www.costsegs.com/Email Carson at The Money Multiplier: carson@themoneymultiplier.comRocketly: https://rocketly.ai/
Alors que la Russie a intensifié ses bombardements sur l'Ukraine et que les négociations de paix initiées par le président américain semblent au point mort, qu'en est-il de cette troisième voie diplomatique que semble vouloir emprunter le nouveau souverain pontife. Le pape Léon XIV a dit son attachement à une «paix juste et durable» en Ukraine, il a déjà reçu le président Zelensky. Mais cette ouverture n'est déjà pas du tout du goût du ministre russe des Affaires étrangères. Sur cette nouvelle approche du Vatican, reportage à Rome signé Olivier Bonnel. La face cachée de la libération allemande en 1945 Et alors qu'on a célébré partout en Europe en ce mois de mai la fin de la Seconde Guerre mondiale, un épisode glaçant de la libération en Allemagne par les troupes soviétiques ressurgit dans les livres d'Histoire. Derrière cette libération, il y a un crime de masse, le viol a été utilisé comme arme de guerre et c'est de plus en plus documenté par des historiens et des historiennes. Près d'un million de femmes allemandes auraient été victimes. Les explications d'Olivier Favier.À lire aussi sur le site de RFI Détox numérique Aller au café, débrancher son téléphone portable, le poser dans un casier, et payer pour cette déconnexion !!! C'est tout le concept du offline club à Amsterdam. Un lieu pour citadins en quête de paix intérieure sans fil... et de relations en réel. L'initiative a depuis essaimé en Europe. Reportage dans la capitale des Pays-Bas de Jean-Jacques Héry. Le besoin de se déconnecter, c'est une tendance de fond chez les jeunes et pas seulement en Belgique. En Italie aussi les jeunes expriment un besoin de déconnexion, Juliette Gheerbrant. Aller à l'école plus tard en SuèdeSe lever tôt, un cauchemar pour de nombreux adolescents dont le rythme biologique est en décalage avec les injonctions scolaires. En Suède, un collège près de Stockholm a donc décidé de décaler les cours d'une heure... commencer plus tard pour terminer plus tard. Expérience positive pour les principaux concernés qui sont beaucoup plus concentrés. Les explications de notre correspondante en Suède, Ottilia Ferey.
L'amour inonde la littérature, les films et nos imaginaires. Le premier amour est encore plus chargé d'attentes et de fantasmes. Expérience charnière, le premier amour laisse des traces censées déterminer au moins une partie du reste de notre vie amoureuse. Un sondage mené par un site de rencontres britannique en 2015 affirmait que 60% des adultes pensaient régulièrement à la personne qui avait fait battre leur cœur pour la première fois. 40% d'entre eux déclaraient même éprouver encore «des sentiments». Mais qu'est-ce que le premier amour? Pourquoi devrait-il être plus réussi que les autres? À qui destine-t-on ses premiers émois? De la petite enfance au grand âge, comment le premier amour imprègne-t-il nos existences? Production : Raphaële Bouchet Réalisation : Jean-Daniel Mottet Les invité.es: Christine Detrez Professeure de sociologie à l'École normale supérieure de Lyon. & Didier Grandjean professeur en neuropsychologie de l'émotion et de neuroscience affective au département de psychologie de l'Université de Genève.
Escuchar la radio. ¿Qué digo? La mejor hora para escuchar la radio aquí en La Linterna con Ángel Expósito. Con Expósito, la última hora en La Linterna. Cope, estar informado. Solo esta mañana. Uno. Una responsable de Tragsatec admite que la presidencia de ADIF le advirtió de que dejara en paz a la sobrina de Ábalos. Esta señora, ha declarado hoy en la comisión del Senado, era la encargada de contratación en Tragsa. Virginia Barbancho, así se llama, asegura que estaba algo mosqueada y acabó renunciando al cargo tras las presiones para que hiciera la vista gorda con Jessica, la sobrina. Todo ...
La linterna, puedes hacerlo a través de nuestras emisoras de FM y onda media. Y si prefieres oír tiempo de juego, puedes hacerlo a través de nuestras emisoras Cope más. Y por supuesto puedes escuchar los dos programas a través de las aplicaciones móviles y también en cope.es. Las 9, las 8 en Canarias. Última hora en la linterna. Expósito. Cope. Estar informado. La actualidad del día se resume en varias claves que tienes que conocer. Primera, Donald Trump cree que no habrá finalmente aranceles para la Unión Europea porque dice el presidente, las empresas de nuestro continente van a construir ...
Una avería nodal o masiva en cualquier caso de Telefónica ha dejado en lo que respecta a Sevilla y a grandes empresas sin la posibilidad de utilizar internet, la fibra al menos en la ciudad y parece que en más lugares. Están trabajando en ello. Nosotros yo tengo aquí un aparatico que se llama el Quantum, que es lo que se lleva Ángel Expósito cuando va por ahí esos viajes que hace y habla que parece que esté aquí, que dice tú no te has ido, tú estás aquí porque se oye muy bien. Bueno, es que este aparato se oye muy bien y puedes desde el centro de una selva hacer un programa de radio, cómo han ...
THIS IS NOT A DRILL - eXp Realty Co-Sponsorship has just launched as of May 1, 2025, and this could really change the game for agents looking to join eXp this year - this might be the biggest opportunity they've ever created, so you want to get in on this. Levi Lascsak talks all about eXp Co-Sponsorship today!======Join us for a 2-Day Virtual Event to Learn About YouTube for Real Estate! https://backstage.passiveprospecting.com/optin-604313321694404166517Schedule a Call With Us to Discuss Partnering With eXp - https://bit.ly/PassiveProspectingPartnershipGet Our New Book - https://bit.ly/PassiveProspectingBookJoin Our Community for Free!: https://join.passiveprospecting.com/?utm_source=podcastWork With Our Video Editing Team - https://www.passiveproductionsagency.com/done-for-you-lead-machine-system
Whats up Homies!If you have a question for the podcast or if you want to learn about Partnering with us at eXp realty drop us an email at Jackson@realagentnow.com or Jesse@realagentnow.com
Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. 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