Podcasts about FD

ABN Amro keerde een deel van zijn hoger management jarenlang bonussen uit van in totaal €1,5 mln. Daarmee overtraden ze de regels en dus legt De Nederlandsche Bank een boete op van €15 mln. Een jarenlange discussie tussen de bank en de toezichthouder is nu ten einde, zo blijkt uit het boetebesluit. Redacteur Mathijs Rotteveel legt uit waar die discussie over ging en hoe die uitliep op deze flinke boete. Lees: ABN Amro krijgt boete van €15 mln voor overtreden bonusverbod Advocatenkantoor Allen & Overy wilde dolgraag een rivaal op Wall Street overnemen. Vorig jaar lukte dat eindelijk. Maar niemand in Amsterdam voorzag het boemerangeffect dat er dit jaar op volgde: een gehate knieval van het Amerikaanse kantoor voor de regering-Trump. De deal kwam als een bom binnen bij het Nederlandse personeel, vertelt FD-redacteur Jennifer Mol. Lees: Hoe de Amerikaanse droom van Allen & Overy plaatsmaakte voor schaamte Olaf H. moet de cel in omdat hij heeft geprobeerd voormalig Jumbo-topman Frits van Eerd voor €2,2 mln af te persen. De rechtbank in Den Bosch heeft hem donderdag een celstraf van twee jaar opgelegd, waarvan één jaar voorwaardelijk. Medeverdachte Mustapha Y. krijgt een taakstraf van 200 uur, plus een voorwaardelijke celstraf van bijna anderhalf jaar. De twee verdachten probeerden Van Eerd in maart 2023 €2,2 mln afhandig te maken door hem een dreigende brief te sturen. Hoe dat precies ging, vertelt FD-redacteur Jan Braaksma. Lees: Twee jaar cel voor poging tot afpersing Frits van Eerd Redactie: Sophia Wouda & Floyd Bonder Presentatie: Floyd Bonder See omnystudio.com/listener for privacy information.

Bij Amazon kun je ondertussen alles krijgen. Wat begon als boekenwinkel groeide uit naar een webwinkel met alles wat je hartje begeert, een streamingdienst, een cloudbedrijf... Maar Amazon blijkt ook Rupsje Nooitgenoeg, want het wil méér. Het bedrijf vindt dat het veel te veel geld kwijt is aan betaaldiensten zoals Visa en Mastercard, en denkt er daarom aan om klanten met cryptomunten te laten betalen. Een keuze die ook Adyen zou kunnen raken. Amazon is trouwens niet de enige, want ook Walmart verschillende luchtvaartmaatschappijen en reiswebsite Expedia maken plannen voor het gebruik van stablecoins. Hoe groot is die dreiging?

Bij Amazon kun je ondertussen alles krijgen. Wat begon als boekenwinkel groeide uit naar een webwinkel met alles wat je hartje begeert, een streamingdienst, een cloudbedrijf... Maar Amazon blijkt ook Rupsje Nooitgenoeg, want het wil méér. Het bedrijf vindt dat het veel te veel geld kwijt is aan betaaldiensten zoals Visa en Mastercard, en denkt er daarom aan om klanten met cryptomunten te laten betalen. Een keuze die ook Adyen zou kunnen raken. Amazon is trouwens niet de enige, want ook Walmart verschillende luchtvaartmaatschappijen en reiswebsite Expedia maken plannen voor het gebruik van stablecoins. Hoe groot is die dreiging? Dat hoor je in deze aflevering. Dan vertellen we je ook over een bedrijf dat denkt zijn beurswaarde te kunnen verdubbelen. En dat met één simpele aanwinst, een nieuwe topman. Luxebedrijf Kering is de gelukkige nieuwe eigenaar van Luca de Meo, de man die de beurswaarde van Renault keer twee wist te krijgen. Hij kondigt dan ook plotseling zijn vertrek aan bij de automaker. Daar zitten beleggers daarom juist met de handen in het haar. We geven je natuurlijk een update over de handelsoorlog. Donald Trump noemde de deal die zijn team vorige week met China sloot nog fantastisch, en hij beloofde dat iedereen er blij van zou worden. Maar vooralsnog lijkt er vrij weinig van de afspraken terecht te komen. En je leert hoe Wesley door AI een stukje bewijs kreeg voorgeschoteld, waarmee hij zijn gelijk kon halen over AI die jouw baan komt afpakken. See omnystudio.com/listener for privacy information.

Het is eindelijk bekend: de huidige tweede man Olaf Sleijpen (54) is vanaf 1 juli de nieuwe president van De Nederlandsche Bank (DNB). Het ministerie van Financiën kiest hiermee voor continuïteit. Sleijpen is al plaatsvervanger van de huidige DNB-baas Klaas Knot. Wie Sleijpen precies is en waarom de aanstellingsprocedure zo lang duurde, vertelt DNB-watcher Arend Clahsen. Lees: Olaf Sleijpen nieuwe president De Nederlandsche Bank Met een torenhoge schuld, ruzie tussen aandeelhouders en een familietwist gaat het Zeeuwse Bax Music na 22 jaar ten onder. Het ondernemerssprookje van de twee tienerbroers uit Goes blijkt grimmige kanten te hebben, met een dramatische wending. FD-redacteuren Gerben van der Marel en Arjan Veering over de teloorgang en de doorstart van het familiebedrijf. Lees: Solistische ceo speelde hoog spel met Bax Music, maar zit nu toch weer aan de knoppen Wie over de snelweg tussen Dordrecht en Papendrecht rijdt, kan ze zien liggen: 144 witte kubussen, opgesteld in keurige rijen. Het valt nauwelijks op, maar in Dordrecht verrijst ‘de grootste batterij van Nederland’, in de woorden van ontwikkelaar Dispatch Grid Solutions. Het bedrijf, dat €1 mrd aan financiering heeft opgehaald, heeft grote plannen. Industrie-redacteur Eva Selderbeek vertelt wat dat kan betekenen voor het Nederlandse stroomnet. Lees: Dordrecht krijgt ‘de grootste batterij van Nederland’ Redactie: Sophia Wouda & Floyd Bonder Presentatie: Floyd Bonder See omnystudio.com/listener for privacy information.

Bienvenue sur le 10e profil de draft 2025 et aujourd'hui place au prospect le plus intrigant de la cuvée : Derik Queen. Soit vous tomberez amoureux, soit vous le détesterez mais il n'y aura pas d'entre deux. Alors quelles sont se qualités et quels sont ses défauts ? Est-il anachronique ou au contraire très moderne ? Laissez vous guider par Azad, accompagné de Baptiste et FD pour décrypter ce profil unique. Bon épisode !

Vrijwel iedere econoom denkt dat Trumps beleid een drama is. Maar dat doet eigenlijk niet ter zake. De Amerikaanse president is er en gaat de komende vier jaar niet weg, we zullen er dus mee om moeten gaan. Dan is het goed om ook eens naar de positieve kant van zijn beleid te kijken. De belegger in mij heeft namelijk geen mening, maar reageert op basis van de ontstane situatie. Tijd om even uit mijn bubbel te stappen. Door Trumps beleid staan de economische verwachtingen onder druk, waardoor de olieprijs is gedaald. Daarnaast draaien de Opec-landen de oliekraan verder open. Meer aanbod en minder vraag leiden tot een lagere olieprijs en daarmee een lagere benzineprijs. Trump had het beloofd en de Amerikaanse kiezer is er erg blij mee. Ook geven steeds meer bedrijven aan dat ze in de VS willen investeren. Het aantal Amerikaanse bedrijven dat reshoring in hun earnings calls noemt, is verdrievoudigd. Al is dat makkelijk gezegd, maar niet zo makkelijk gedaan. En de importtarieven leveren een hoop geld op. Alleen weten de meeste kiezers niet dat ze dat waarschijnlijk zelf betalen. De grote architect achter dit beleid is Howard Lutnick, een miljardair die nu minister van handel is. Zijn bedrijf Cantor Fitzgerald werd keihard geraakt tijdens 9/11. Alle 658 medewerkers in het WTC kwamen om bij die aanslag. Door een bijzonder toeval was hij niet op kantoor. Hij heeft er zijn levenswerk van gemaakt om het bedrijf opnieuw op te bouwen. Geen salarisdoorbetaling voor de families van de omgekomen personeelsleden. Wel zette hij een fonds op dat hij vulde met 25% van de winst van het nieuwe bedrijf. Het kon ook mislukken. Maar het werd een succes. Met dezelfde pragmatische aanpak stapte hij in de Trump-regering. Musk zou $2000 mrd aan overbodige overheidskosten wegsnijden, maar vond slechts totaal $150 mrd, zeg $15 mrd per jaar. In werkelijkheid is dat waarschijnlijk een stuk lager. Lutnick zou de importtarieven binnenharken. Onze eigen Cardano-econome heeft berekend dat importtarieven maximaal $250 mrd tot $300 mrd op jaarbasis opleveren. Je kunt zeggen dat beide mannen dramatisch hebben gefaald. Maar je kan ook stellen dat iedere extra dollar die wordt opgehaald, winst is. Bovendien is het de kiezers nu wel duidelijk dat de overheid niet permanent kan uitdijen. En dat Amerika niet eeuwig kan leunen op import uit het buitenland. De glas-halfvolbenadering is dat de mannen misschien wel voor $315 mrd meer overheidsopbrengsten hebben gezorgd. NB. De nieuwe regering gooit er met de One Big Beautiful Bill ook gelijk weer $240 mrd per jaar uit. De belegger in mij mag dan moeite doen om de positieve kant van dit economische experiment in te zien, de mens in mij verlangt heel erg terug naar een normale pre-Trump-wereld. Over de column van Corné van Zeijl Corné van Zeijl is analist en strateeg bij Cardano en belegt ook privé. Reageer via c.zeijl@cardano.com. Deze column kun je ook iedere donderdag lezen in het FD.See omnystudio.com/listener for privacy information.

This week, Jacob Gettins sits down with Formula Drift Champion Dai Yoshihara. They talk about the most stressful night of his life, what it would take to get him back into FD, and how Jacob once stole his hat. Discount Codes Save $5 on tickets   OZORL OZNJ OZSTL OZSEA OZSLC Save 20% off merch https://shopfd.com/ Code -  PODCAST25 Produced by        Jacob Gettins https://linktr.ee/jako13 Formula DRIFT - https://www.formulad.com/  Edited by Kyle Mayhew - https://www.instagram.com/kaywhy_85/  Audio Engineering by J-One Audio Services -https://www.facebook.com/profile.php?id=100090486859184 Intro Song by Legna - https://www.tiktok.com/@originallegna  Track Signs Provided by - https://www.instagram.com/style.driven/ Get Your Hat - https://shopfdgarage.com/products/the-teal-beanie Original Concept - Frank Maguire     Instagram: https://www.instagram.com/the_outerzone/ TikTok: https://www.tiktok.com/@the.outerzone Facebook: https://www.facebook.com/people/The-Outerzone/61572435346956/ Shop FD: https://bit.ly/Shop-FD Discord: https://discord.gg/QWJmgqWWUr

LA Riots; 250th Army Anniversary Parade; Ration or Ruin Cost Comparison & More w/ Ben, FD, Dave & James on the 308th episode of PPH ! 

Jerome Powell heeft nog ruim elf maanden te gaan als Fed-voorzitter. Maar die maanden duren Donald Trump net wat te lang. Daar weet Trump wel raad mee. Als hij nu al een opvolger aanwijst, dan heeft hij het alsnog praktisch voor het zeggen. Want zo richt hij een soort 'schaduw-Fed' op, waar de markten meer aandacht aan zullen hechten dan aan Powell. Maar zet Trump 'zijn' economie en 'zijn' dollar op het spel als hij zijn eigen pion neerzet bij de Federal Reserve? Met die vraag mogen beleggers wereldwijd gaan worstelen de komende tijd. Verder zegt de Amerikaanse president een deal te hebben bereikt met China. Nou ja: een tussendeal. Een 'raamwerk' dat de handelsoorlog verder pauzeert voordat een andere deal de oorlog écht beëindigt. En er zit nog een haakje aan, want zowel Trump zelf als Xi Jinping van China moeten er nog een handtekening onder zetten. Autoproducenten in de VS en Europa staan te juichen, want de zeldzame aardmetalen stromen China weer uit. Chinese studenten mogen in ruil daarvoor verder studeren in de VS. Ook Elon Musk maakt een deal, maar dan met zijn eigen geweten. Hij biedt excuses aan voor het gebekvecht met Donald Trump van vorige week. Teslabeleggers zijn uitzinnig: het aandeel staat alweer hoger dan het voor de ruzie stond. Misschien is de nieuwe proef met robotaxi's die op 22 juni van start gaat wel de kers op hun taart. Tot slot draait Jensen Huang van Nvidia even 180 graden bij. In januari zei hij nog dat kwantumcomputers pas over 20 jaar nuttig zouden worden, waarna kwantum-aandelen zoals Rigetti en IonQ van de trap vielen. Rigetti verloor zelfs 70 procent van zijn waarde. Maar vandaag zei Huang opeens dat de kwantumrevolutie een keerpunt heeft bereikt en dat de kwantumtoekomst binnen handbereik ligt. We bespreken wat er dan is veranderd in de tussentijd.See omnystudio.com/listener for privacy information.

Jerome Powell heeft nog ruim elf maanden te gaan als Fed-voorzitter. Maar die maanden duren Donald Trump net wat te lang. Daar weet Trump wel raad mee. Als hij nu al een opvolger aanwijst, dan heeft hij het alsnog praktisch voor het zeggen. Want zo richt hij een soort 'schaduw-Fed' op, waar de markten meer aandacht aan zullen hechten dan aan Powell. Maar zet Trump 'zijn' economie en 'zijn' dollar op het spel als hij zijn eigen pion neerzet bij de Federal Reserve? Met die vraag mogen beleggers wereldwijd gaan worstelen de komende tijd. Verder zegt de Amerikaanse president een deal te hebben bereikt met China. Nou ja: een tussendeal. Een 'raamwerk' dat de handelsoorlog verder pauzeert voordat een andere deal de oorlog écht beëindigt. En er zit nog een haakje aan, want zowel Trump zelf als Xi Jinping van China moeten er nog een handtekening onder zetten. Autoproducenten in de VS en Europa staan te juichen, want de zeldzame aardmetalen stromen China weer uit. Chinese studenten mogen in ruil daarvoor verder studeren in de VS. Ook Elon Musk maakt een deal, maar dan met zijn eigen geweten. Hij biedt excuses aan voor het gebekvecht met Donald Trump van vorige week. Teslabeleggers zijn uitzinnig: het aandeel staat alweer hoger dan het voor de ruzie stond. Misschien is de nieuwe proef met robotaxi's die op 22 juni van start gaat wel de kers op hun taart. Tot slot draait Jensen Huang van Nvidia even 180 graden bij. In januari zei hij nog dat kwantumcomputers pas over 20 jaar nuttig zouden worden, waarna kwantum-aandelen zoals Rigetti en IonQ van de trap vielen. Rigetti verloor zelfs 70 procent van zijn waarde. Maar vandaag zei Huang opeens dat de kwantumrevolutie een keerpunt heeft bereikt en dat de kwantumtoekomst binnen handbereik ligt. We bespreken wat er dan is veranderd in de tussentijd.See omnystudio.com/listener for privacy information.

Navo staat op het punt om een drastische stap te zetten door geheime strategische plannen te delen met de defensie-industrie. Dit zou defensiebedrijven in staat stellen beter in te spelen op de hiaten in de verdedigingscapaciteiten van het bondgenootschap. De noodzaak hiervoor is groot, aangezien Rusland wapens vier keer sneller produceert dan Navo-landen. De samenwerking kan bedrijven stimuleren om meer te investeren in productie en innovatie maar brengt ook veiligheidsrisico's met zich mee. Defensieredacteur Ria Cats geeft inzicht in deze plannen en hun mogelijke implicaties. Lees: Navo gaat mogelijk geheime strategische plannen delen met defensie-industrie Exor is op jacht. De investeringsmaatschappij van de Fiat-familie Agnelli, ook genoteerd op de Amsterdamse beurs, zoekt na Philips een nieuw bedrijf om een stevig belang in te nemen. Dealmaker Guido de Boer gaf aan het FD een zeldzaam interview over hoe hij zo’n zoektocht aanpakt. Redacteur Pieter Couwenbergh vertelt. Lees: Dealmaker van Exor speurt met €2 mrd naar volgende Philips See omnystudio.com/listener for privacy information.

Click here to tell us about your favorite car, car story or automotive trivia !In this special “host‑becomes‑guest” episode of To All the Cars I've Loved Before, co‑host Doug pulls back the curtain on his own automotive story—from the moment his dad surprised him with a 1989 Dodge Daytona (silver, pop‑up headlights, 125‑mph speedo dreams) to finally owning the Nissan 300ZX he lusted after in high school. Along the way Doug revisits:The unmistakable manual‑transmission fluid smell that still triggers vivid “garage memories.”Why a 2000 BMW 323Ci (E46) convertible became his worst car and ultimate “never again” lesson.A fog‑soaked, pre‑GPS road‑trip mishap in a rusty Jeep CJ‑7 that ended with a broken driveshaft.The mixtape tracks—“Silent Lucidity” by Queensrÿche & “Plush” by Stone Temple Pilots—that defined his cruising years.A dream garage trifecta: twin‑turbo 300ZX, last‑gen Mazda RX‑7 (FD), and his beloved DeLorean.How semi‑autonomous driving / Tesla Autopilot transformed his view of road trips and traffic.The hugely under‑appreciated 1989 Nissan 240SX that balanced handling perfection with driving legend status.Plus: stick‑shift lessons from Dad, the debate over cars having souls, and Doug's one rule for classic‑car mods. Whether you're into classic cars, JDM icons, car restoration, or just great car podcast stories, this episode packs in nostalgia, hard‑won wisdom, and plenty of pop‑up‑headlight love.Check out our new guest inspired road trip playlist "The Songs that Drive Us"  and share your favorites - https://carsloved.com/playlistNew episodes drop every other Tuesday. Please Follow, Like, and Subscribe to be the first to hear our latest content and past episodes - https://linktr.ee/carsloved

Ad Verbrugge in gesprek met Harald Benink.--Steun DNW en word patroon op http://www.petjeaf.com/denieuwewereld.Liever direct overmaken? Maak dan uw gift over naar NL61 RABO 0357 5828 61 t.n.v. Stichting De Nieuwe Wereld. Crypto's doneren kan via https://commerce.coinbase.com/pay/79870e0f-f817-463e-bde7-a5a8cb08c09f-- Bronnen en links bij deze uitzending: - Het vorige gesprek tussen Ad en Harald: https://www.youtube.com/watch?v=JOzD36hGDAIhttps://www.youtube.com/watch?v=1viyoSnv-e0- Het interview met Dilan Yesilgöz in FD: https://fd.nl/politiek/1557476/vvd-ziet-zich-als-eenzame-strijder-voor-economische-groei- "Topdown energietranisitie werkt niet", Ad in gesprek met Annelies Huygen: https://www.youtube.com/watch?v=lHazK1-ouiI

Amerika leeft op te grote voet, daarom is het handelsbalanstekort ook zo groot. Daarbij vergeet men even voor het gemak dat de VS een enorm overschot hebben in de dienstensector. De diensten die wij afnemen van zakenbanken en technologiebedrijven, zijn echter niet genoeg om de goederenstroom te compenseren. Maar de marges op die diensten zijn wel vele malen hoger. President Trump wil dat goederentekort met importtarieven bestrijden. Dat is slecht voor de economie. Maar het voordeel is wel dat die tarieven bedrijven stimuleren om meer in de VS te produceren. Al is het de vraag of ze het nog wel kunnen. Maar goed, Trump zei dat Amerikaanse kinderen ook genoeg hebben aan twee poppen, in plaats van dertig. Ik weet niet of de Amerikaanse consument wel in is voor een beetje consuminderen. Als je als land continu meer koopt dan verkoopt, betekent dat ook dat het buitenland jou geld moet lenen om dat allemaal te kunnen betalen. Anders gezegd: de VS importeren goederen en exporteren dollars. In plaats van een importheffing op goederen kun je ook een belasting opleggen op de dollars die weer terugkomen. Dat heeft een beetje hetzelfde effect. Dat staat in sectie 899 van Trumps One Big Beautiful Bill. Buitenlanders kunnen belast worden als ze passief inkomen uit de VS ontvangen. De juridische grondslag waarop dat zal gebeuren is nog erg onduidelijk. Als je qua financiering zo afhankelijk van het buitenland bent als de VS, neem je daarmee een aanzienlijk risico. Want waarom zouden buitenlandse investeerders het land nog geld lenen als het dreigt die inkomstenstroom weer af te pakken. En het vertrouwen van buitenlandse beleggers staat sinds Trumps aantreden al sterk onder druk. Beleggers maken zich er nog niet druk over. Nu de term Taco (Trump Always Chickens Out) de ronde doet, denken beleggers dat de soep niet zo heet gegeten zal worden als hij wordt opgediend. Sinds de ophef over sectie 899 heeft de Amerikaanse obligatiemarkt nauwelijks bewogen. Sterker nog, door de zwakke economische cijfers deze week is de rente zelfs iets gedaald. Maar die sectie 899 blijft wel een risico. Stel, je belegt in 10-jarige Amerikaanse staatsobligaties met een rente van 4,4%. Voordat je die rente ontvangt, zegt de Amerikaanse overheid: wij heffen daar eerst een belasting van 0,9% op. Dus je krijgt nog maar 3,3%. Waarom zou je dan nog in Amerikaanse staatsobligaties beleggen? Dit extra risico is (nog) niet ingeprijsd. Tijdens de laatste persconferentie werden er vragen aan Trump over de Taco trade gesteld. Dat zal zijn ego flink hebben aangetast. Het risico is dat hij daarom niet meer op domme ideeën terugkomt. Kan iemand de president vertellen dat zijn Taco trade briljant is? Anders is er een grote kans dat hij aan domme ideeën blijft vasthouden. Bang om voor kip te worden uitgemaakt. Over de column van Corné van Zeijl Corné van Zeijl is analist en strateeg bij Cardano en belegt ook privé. Reageer via c.zeijl@cardano.com. Deze column kun je ook iedere donderdag lezen in het FD.See omnystudio.com/listener for privacy information.

Het nieuwe seizoen van Achter Gesloten Deuren, de onderzoekspodcast van het FD, duikt in de zaak Frits van Eerd. In de vroege ochtend van 13 september 2022 viel de Fiod de villa en de werkplaats van Jumbo-boegbeeld Frits van Eerd binnen. Samen met medeverdachte Theo E. - een criminele autohandelaar - moet hij zich nu verantwoorden voor de rechter. Heeft de Jumbo-eigenaar crimineel geld witgewassen? Is er gesjoemeld met sponsorcontracten in de motorcross? Liet Van Eerd zich omkopen door Theo E., die hij kent vanuit de motorcross? En welke rol speelde Jumbo? See omnystudio.com/listener for privacy information.

In der 191. Folge von Lauer und Wehner reden Ulrich und Christopher über Gleichberechtigung, Zurückweisungen an der deutschen Grenze, Friedrich Merz' Aussagen zur Work-Life-Balance und darüber, dass es keine Ausschussvorsitzende der fD im neuen Bundestag geben wird.

Vrede en welvaart creëren: dáárvoor is de Europese Unie opgericht. EU-landen besloten zich na de ongekende gruwelen van de Tweede Wereldoorlog alleen nog bezig te houden met wetten en regels, normen en waarden. Niet vechten over grondgebied, maar vechten met woorden en wetteksten. Daarmee wilde Europa zich voortaan in de kijker spelen. Wapenindustrie werd een vies woord. Die tijd is voorbij. Door de Oekraïneoorlog en de toenemende onveiligheid in de rest van de wereld, moet de Europese defensie-industrie worden opgeschaald. En snel. Na tientallen jaren van vrede, ontwapening en internationale samenwerking, staat Europa voor een ingrijpende koerswijziging. De oorlog is terug op het continent, en daarmee ook een ongemakkelijke waarheid: vrede is niet vanzelfsprekend. Terwijl de wereldwijde spanningen oplopen, wordt van Europese landen verwacht dat ze hun defensie serieus gaan nemen. Maar hoe doe je dat, als je decennialang vooral hebt ingezet op handel, diplomatie en gemeenschappelijke regelgeving? Van Ursula von der Leyen tot Emmanuel Macron: overal klinkt de roep om een sterke Europese defensie-industrie. Meer productie, meer samenwerking, meer geld. Ook Mark Rutte zei het in zijn eerste speech bij de NAVO; ‘De veiligheidssituatie is de slechtste in mijn leven. En waarschijnlijk ook in dat van jou'. Toch is er geen helder pad. Europese landen aarzelen, de budgetten zijn beperkt en Amerika trekt zich terug. De grote vraag blijft: hoe gaat Europa zichzelf verdedigen in een sterk veranderende wereld? In de wekelijkse podcast ‘In het Defensief' nemen FD-verslaggever Ria Cats en BNR-journalist Michal van der Toorn je mee langs de frontlinies van Europa's nieuwe wapenplan. In elke aflevering onderzoeken ze hoe burgers, bedrijven, politici en militairen zich voorbereiden op een wereld waarin veiligheid niet langer gegarandeerd is. Van drone-startups tot tankfabrieken, van Brusselse vergaderzalen tot militaire oefenterreinen – deze podcast duikt diep in de Europese defensiemachine. Hoe ziet die eruit? Wie zijn de spelers? En hoever zijn we eigenlijk bereid te gaan om ons continent te beschermen?

Now before you switch off thinking budgeting is just about spreadsheets and cutting back on your coffee spend, think again. Clare Elliott walks us through why budgeting, forecasting and cashflow management are the backbone of every high-performing, profitable MSP. It's not about being an accountant. It's about stepping into your CEO role and giving yourself the tools to make better, faster decisions with confidence.  Too often MSPs fall into the trap of looking at what's in the bank and thinking that's enough. But as Clare points out, without a proper budget, you're flying blind. You might have cash now, but do you know what's around the corner? Are you really in control of your business or just reacting to it? Budgeting allows you to reverse engineer your goals, spot the gaps early and drive the right actions. It's confronting at times, yes. But the clarity it gives you is worth its weight in gold.  We talked about why so many business owners avoid budgeting altogether. The answer? It's uncomfortable. It's time consuming. And it forces you to look reality in the eye. But once you do, as I shared from personal experience, it becomes incredibly empowering. Just like mapping out your retirement plan, creating a budget gives you that sense of control and direction. And as Clare Elliott says so well, it's all about having a clear destination and a route to get there.  When it comes to forecasting income, we broke down why simply relying on your monthly direct debits isn't enough. Clare explained how even with recurring revenue, clients leave, services change and prices rise. Without a plan to add new clients or adjust pricing, your business starts moving backwards. So we explored how to break down income forecasting into manageable chunks: from what's already secured, to potential upsell opportunities, to the leads you haven't even generated yet. Clare made a really strong point here. If you're standing still, you're actually going backwards, especially if you're not increasing prices annually.  We also got into the nitty gritty of budgeting for costs. From fixed overheads and vendor costs to salaries and project delivery, Clare Elliott laid out the foundations of building a practical budget. The advice was simple but powerful: start with what you know, build in contingency, and always allow for profit and savings. And if you're not reviewing your projects after delivery, you're probably leaving money on the table. It's not just about quoting right the first time. It's about learning and refining the process with every job.  Another brilliant insight from Clare was how budgeting drives change. Once you know what profit you want at the end of the year, you can work backwards to see what sales are needed and what activity has to happen to get you there. It's not about hoping. It's about planning. The budget becomes the engine room of your business, and it's how you avoid that constant cycle of feast and famine.  We then moved on to how budgeting and forecasting translate into cashflow management. Because let's face it, profit is great, but cash is king. You can be profitable on paper but still run out of money if clients pay late or vendors need paying early. Clare walked us through the importance of understanding timing, building up cash reserves and planning for VAT, PAYE and corporation tax well in advance. No surprises, no panic, just a clear picture of what's coming.  We also covered what a typical finance function looks like as an MSP grows. Clare Elliott shared some cracking advice on when to bring in bookkeepers, management accountants or part-time finance directors, and what to expect at each stage of business maturity. Whether you're turning over half a million or pushing past the seven-figure mark, having the right financial support in place can be a game changer.  We wrapped up with some solid troubleshooting tips for when things go off course. From negotiating with vendors to accelerating debtor collections, Clare gave us a toolkit to lean on in the tough times. But the consistent message throughout was clear: don't bury your head in the sand. Budgeting is not a punishment. It's a plan. And it's the fastest way to create freedom, profit and peace of mind in your MSP.  So if you're ready to stop winging it and start budgeting like a boss, go back and listen again. Build your first forecast. Book some time with your FD or accountant. Or reach out to us and we'll help you figure out what steps to take next. As Clare Elliott so rightly put it, if you're already doing well without a budget, just imagine what you could achieve with one.  Connect on LinkedIn HERE with Ian and also with Stuart by clicking this LINK  And when you're ready to take the next step in growing your MSP, come and take the Scale with Confidence MSP Mastery Quiz. In just three minutes, you'll get a 360-degree scan of your MSP and identify the one or two tactics that could help you find more time, engage & align your people and generate more leads.  OR   To join our amazing Facebook Group of over 400 MSPs where we are helping you Scale Up with Confidence, then click HERE  Until next time, look after yourself and I'll catch up with you soon!   

Er is nogal wat ophef over het feit dat private-equitybelegger KKR tegenwoordig eigenaar is van de Zwarte Cross. Tja, je hebt je aandeelhouders niet altijd voor het kiezen als je het bedrijf verkoopt. De oprichters deden het in 2021 over aan Superstruct en dat werd eind 2024 door KKR overgenomen. En nou zegt Youp van ’t Hek ook nog zijn optreden bij de Zwarte Cross af. Het is wel een beetje hypocriet van Youp. Ik ben benieuwd of er dan ook geen Becel of Blue Band in zijn koelkast staat. En boekt hij dan geen vakantiehuisje meer bij Roompot? Ruilt hij zijn Batavus- of Sparta-fiets in? Kijkt hij niet meer naar SBS? Parkeert hij niet meer bij Q-Park. Enzovoort, enzovoort. Daarmee beseffen we dat het Amerikaanse grootkapitaal in de haarvaten van onze maatschappij zit. Het management van de Zwarte Cross noemt KKR de boze stiefmoeder. Een terechte benaming, vind ik, onder meer vanwege het sprinkhanengedrag. Het is een beetje het Ben & Jerry’s-dilemma. Dat alternatieve ijsjesmerk werd door de oprichters aan Unilever verkocht. Maar Ben Cohen en Jerry Greenfield waren het vaak niet eens met het beleid van het moederbedrijf. Tja, dan had je niet moeten verkopen. Dus Youp zegt zijn optreden af. En dan? Verandert de wereld? Deze actie is slechts voor de bühne, maar ja, dat is zijn corebusiness. Als hij mij uit zijn blote hoofd de bedrijven kan noemen waarin KKR belegt waar hij het niet mee eens is, wil ik hem het voordeel van de twijfel geven. Over Youp maak ik me geen zorgen, wel over al die vrijwilligers die aan de Zwarte Cross meewerken. Ik kom graag naar Lichtenvoorde en heb er zelfs een paar keer mogen optreden. Ik ben elk jaar verbaasd over het enthousiasme en de hoeveelheid vrijwilligers. Sommige van die achtduizend (!) vrijwilligers zullen zich nu toch wel afvragen: sta ik me hier nou een beetje voor de winst van het grootkapitaal uit te sloven? Een voordeel is wel dat je nu dus in de Zwarte Cross kunt beleggen. Voordat u denkt: dat is mooi, dan koop ik een paar aandelen KKR en heb ik die paar extra biertjes op de Zwarte Cross zo terugverdiend, eerst even wat cijfers. KKR heeft een beleggingsportefeuille van ruim $700 mrd. Superstruct is naar schatting overgenomen voor €1,3 mrd. Dat is dus slechts 0,2% van het totaal. En Superstruct heeft tachtig festivals. De Zwarte Cross is daar maar een van en daar schenken ze naar schatting 1,8 miljoen biertjes. Het is heel jammer dat zelfs de Zwarte Cross in handen is gevallen van Amerikaans private equity, maar het is een feit. Misschien dat ik dit jaar ook een of twee biertjes laat staan. Gewoon voor het gevoel, gewoon voor de bühne. Over de column van Corné van Zeijl Corné van Zeijl is analist en strateeg bij Cardano en belegt ook privé. Reageer via c.zeijl@cardano.com. Deze column kun je ook iedere donderdag lezen in het FD.See omnystudio.com/listener for privacy information.

De energierekening is gestegen en boodschappen zijn duurder. Toch zijn de middeninkomens relatief minder geld kwijt aan vaste lasten dan voor de coronacrisis, becijfert het Centraal Planbureau (CPB) in een onderzoek dat dinsdag verschijnt. Het CPB gaat daarmee in tegen het beeld dat leeft in de Tweede Kamer. Dit voorjaar gelastte de Kamer zelfs, met brede steun van linkse tot rechts, een extra debat in over de penibele positie van middeninkomens. Het Internationaal Monetair Fonds (IMF) meldde eerder al dat het Haagse beleid een draai moet maken van koopkrachtbeleid naar investeringen, na een nieuwe analyse van de Nederlandse economie. Zonder zo’n draai dreigt een structureel lagere economische groei. In deze speciale aflevering van Dagkoers legt FD-redacteur macro-economie Marijn Jongsma uit waar deze Haagse focus op koopkracht vandaan komt en waarom het de economie schaadt. Lees: IMF maakt in analyse gehakt van Nederlands koopkrachtfetisjisme & CPB: ‘Vaste lasten middeninkomens relatief lager dan voor coronacrisis’ & IMF-analyse zet de polder in zijn hemd Redactie: Sophia Wouda & Anna de Haas Presentatie: Anna de HaasSee omnystudio.com/listener for privacy information.

This week, the boys sit down with Dan Kubec. We discuss growing up racing karts, getting into motorsports, and diving head-over-heels into the world of Miatas and Mazda. We also discuss his projects, drifting, and his FD! Support Revival Motoring https://revivalmotoring.com/  

Floor Milikowski is journalist en sociaal geograaf. Ze schrijft voor De Groene Amsterdammer en publiceert regelmatig in NRC, FD en de Volkskrant. Ze schreef de boeken 'Van wie is de stad' en 'Wij zijn de stad'. Voor het eerste boek deed Milikowski zeven jaar onderzoek naar de verandering die Amsterdam doormaakte. Voor het tweede boek keek zij naar de onzichtbare veerkracht in buitenwijken en hoe die het kloppend hart van de stad kunnen zijn. Ook kwam zij met 'Een klein land met verre uithoeken', een boek over ongelijke kansen in een veranderend Nederland. Nu is er ‘Contouren van een nieuw land', waarin zij het spoor van pioniers en vooruitgangsdenkers volgt. Hierin biedt ze een optimistisch perspectief op het Nederland van morgen. Femke van der Laan gaat met Floor Milikowski in gesprek.

Over een maand treedt Klaas Knot af als President van De Nederlandsche Bank.Zijn opvolger is nog altijd niet bekend en dat is niet alleen vreemd, maar heeft ook gevolgen, legt FD-journalist Arend Clahsen uit. En de belangstelling voor reizen naar de VS loopt terug – en dat is te zien aan de prijzen. Dat blijkt uit een rondgang van BNR langs onder andere KLM, CheapTickets en D-reizen. De prijsdalingen kunnen niet los worden gezien van het beleid van Donald Trump. Maar ook hoge kosten spelen een rol. We praten erover met Khalid Kasem, head of business development bij reisaanbieder Prijsvrij D-Reizen Groep Over deze podcast In Ochtendnieuws hoor je in 20 minuten het belangrijkste nieuws van de dag. Abonneer je op de podcast via bnr.nl/ochtendnieuws, de BNR-app, Spotify en Apple Podcasts. Of luister elke dag live via bnr.nl/live. See omnystudio.com/listener for privacy information.

Wat betekent een handelsoorlog tussen China en de Verenigde Staten voor onze vastgoedsector? En hoe beïnvloedt politiek gedraai in Den Haag het investeringsklimaat voor beleggers?Deze aflevering in het kort: ☑️ De invloed van geopolitieke spanningen op vastgoedmarkten☑️ Waarom zwalkend beleid het vertrouwen van beleggers ondermijnt☑️ Debat over huurbevriezing blijft aanhoudenIn deze aflevering duiken we in de grote én kleine spanningen die hun weerslag hebben op de wereld van stenen en cijfers. Te gast is econoom en oud-CPB-directeur Coen Teulings, die uitlegt waarom geopolitieke onzekerheid geen abstract fenomeen is, maar directe gevolgen heeft voor beleggers. Stabiliteit, dat woord komt tijdens deze aflevering steeds weer terug. Vastgoedmarkten zijn niet gebaat bij spanningen op de internationale kapitaalmarkt en onzeker beleid. Investeerders zoeken zekerheid. En als die ontbreekt, worden projecten uitgesteld of zelfs afgeblazen.

Final Destination Bloodlines might be your sixth FD or your first (or maybe, like Kevin and Drea, you aren't confident about which ones you've seen or not). For our guest writer, filmmaker, and genre-film expert BJ Colangelo, Final Destination is THE horror franchise, making her the perfect lead for our metaphorical dance with Death. After we discuss the film, we honor the late Tony Todd by talking about our favorite "horror oracles."What's Good?Alonso - Étoile (the new show from Amy Sherman-Paladino & Daniel Paladino, on Prime)Drea - Mission Impossible franchise rewatchBJ - Cash's high school graduationKevin - Kara Morgan's one woman show, Inner VoicesITIDICMax is HBO Max AgainClarksdale, MS, Setting for SINNERS, Petitions for Special ScreeningTubi Has a New Category Filled With Classic Movies From the Criterion CollectionHere's the teaser trailer for Final Destination Bloodlines (as Alonso mentioned)Staff PicksDrea - Jane Austen Wrecked My LifeAlonso - Caught by the TidesBJ - The Ugly StepsisterKevin - Open WaterSleep Away Camp book, written by BJ and Harmony ColangeloThis Ends at Prom podcast Follow us on BlueSky, Facebook, or InstagramWithKevin AveryDrea ClarkAlonso DuraldeProduced by Marissa FlaxbartSr. Producer Laura Swisher

Tonight we're chatting with Producer Craig Perry (Final Destination franchise, American Pie franchise) about the smash hit FINAL FESTINATION: BLOODLINES.Craig Perry is the longtime producer behind the Final Destination franchise, having shepherded the series since its inception in 2000 and playing a pivotal role in shaping its enduring legacy. His vision and stewardship have been instrumental in creating and sustaining the FD franchise, including the latest installment, Final Destination: Bloodlines. But he's also so many other things: a songwriter, singer, producer, just relentlessly creative. We have a great conversation about what goes into this resilient series.Become a supporter of this podcast: https://www.spreaker.com/podcast/castle-of-horror-podcast--4268760/support.

Eigenlijk zou het voorpaginanieuws moeten zijn, maar de renteaardbeving in Japan wordt nauwelijks opgepikt. Onterecht. Er lijkt de afgelopen tijd sprake van een parabolische stijging: de Japanse dertigjarige rente ging in drie maanden van 2,2% naar 3,1%. Volgens premier Shigeru Ishiba is de financiële situatie van zijn land slechter dan die van Griekenland. Dat is bijzonder, want meestal doet de politiek er alles aan om problemen te bagatelliseren. Maar het klopt wel. Japan heeft een schuldquote van maar liefst 263% van de economie. Bij Griekenland is dat ‘slechts’ 147%. Daarmee heeft de Bank of Japan een probleem. De afgelopen decennia wilde die centrale bank de lange rente drukken en kocht daarom jaar na jaar enorme hoeveelheden staatsobligaties op. Zoveel, dat hij nu 52% van de totale obligatiemarkt bezit. Een dertigjarige Japanse staatsobligatie zakte in vijf jaar met ruim 40%. Als de bezittingen van de centrale bank zo hard dalen, daalt dus ook de solvabiliteit ervan. Hoeveel vertrouwen krijgt hij dan nog? De Japanse overheid zit eveneens in een lastig parket: rentelasten en aflossingen zijn nu al goed voor een kwart van de totale uitgaven. Dat zal met deze rentebeweging nog verder stijgen. Daarmee zijn rentelasten het koekoeksjong in de begroting. Alles wat de overheid daaraan kwijt is, kun je niet aan andere nuttige dingen uitgeven. In hoeverre gaan wij de naschokken van een renteaardbeving in Japan voelen? In de VS, die toch al niet zulke schokbestendige staatsfinanciën hebben, zijn de gevolgen het merkbaarst. De Amerikaanse president wil een lagere rente, maar doet er alles aan om het vertrouwen te ondermijnen. Beleggers eisen daarom juist een hogere rente. De waarschuwingen van de kredietseismologen worden in de wind geslagen. Als Moody’s zijn kredietoordeel verlaagt, ligt het volgens de regering aan de macro-econoom van die instelling. Vreemd, want die heeft niets met het kredietoordeel te maken. Nu al kost een verzekering tegen het faillissement van de Amerikaanse overheid 0,55% per jaar. Pikant detail: voor de Griekse staatschuld betaal je hetzelfde. Natuurlijk kunnen de VS gewoon aan hun schulden voldoen. Maar dan moeten ze wel de belastingen verhogen. En dat is politiek onmogelijk. Sterker nog: er ligt nu een wetsvoorstel om de belastingen verder te verlagen. De VS kunnen ook dollars bijdrukken. Maar wil je dan nog wel je geld aan dat land uitlenen? De aardbeving op de Japanse obligatiemarkt maakt duidelijk dat we het einde hebben bereikt van wat overheden wereldwijd aan schulden kunnen dragen. Die waarschuwing kunnen we beter niet in de wind slaan. Maar het betekent wel dat de politiek moeilijke keuzes moet maken. En in de huidige tijd van populisme word je daar in de verkiezingen keihard voor afgestraft. Een dilemma. Over de column van Corné van Zeijl Corné van Zeijl is analist en strateeg bij Cardano en belegt ook privé. Reageer via c.zeijl@cardano.com. Deze column kun je ook iedere donderdag lezen in het FD.See omnystudio.com/listener for privacy information.

Heineken heeft het kort geding verloren dat het had aangespannen tegen Jumbo. Het vonnis van rechtbank Oost-Brabant betekent dat de supermarktketen niet verplicht is de bieren van de brouwer weer in de schappen te plaatsen. Jumbo voert aan dat de prijzen van Heineken te hoog zijn, en dat dit leidt tot een boycot. Retailredacteur Orla McDonald duikt dieper in deze juridische strijd en de rol van inkooporganisatie Everest. Lees: Heineken verliest kort geding van Jumbo: bier hoeft niet terug in schappen Het geweld tegen gerechtsdeurwaarders neemt toe, met een opvallende stijging van incidenten veroorzaakt door ‘soevereinen’. Dit is een groep mensen die de rechtsstaat verwerpt en geen belasting, premies of boetes betaalt. Voorzitter Chris Bakhuis van de KBvG vraagt aandacht voor de gevaren die deurwaarders lopen en pleit voor zwaardere aangiftes. Algemeen redacteur Felice de Man legt uit hoe de beroepsorganisatie deze ontwikkelingen aanpakt. Lees: Geweld tegen deurwaarders neemt toe, vooral door soevereinen De daling van het aantal kleine bierbrouwerijen in Nederland vormt een grote uitdaging voor de craftbierindustrie. Na jaren van groei worden microbrouwers geconfronteerd met hogere kosten en druk van grote bedrijven zoals Heineken en Royal Swinkels. Dit leidt ertoe dat steeds meer kleine makers hun deuren sluiten. FD-redacteur Arjan Veering bekijkt hoe craftbiermakers zoals Edwin de Redelijkheid en anderen in deze complexe markt proberen te navigeren. Lees: Kleine brouwers slachtoffer van eigen succes: 'Je moet nu echt werken om je bier aan de man te brengen' See omnystudio.com/listener for privacy information.

If you're wondering what connective tissue could possibly exist between Final Destination Bloodlines and The Muppet Movie,  consider this: Jordan's talking with the former film's directors, who are feeling seen by Kermit the Frog. Since this conversation, those directors have seen their first ever studio feature film become #1 at the box office, have the best ever opening in the FD franchise (by a mile) AND the biggest R-rated horror opening of the decade. Talk about dreams coming true...can we get these guys their Standard Rich & Famous Contract yet?Jordan also has one quick thing about an upcoming miniseries that brings the story of Hawaiian unification to AppleTV+.***With Jordan Crucchiola, Zach Lipovsky, & Adam Stein Feeling Seen is hosted by Jordan Crucchiola and is a production Maximum Fun.Need more Feeling Seen? Keep up with the show on Instagram and Bluesky.

Het is een dag om nooit te vergeten voor Elon Musk, omdat het zo'n pijnlijke dag is. Concurrent BYD verkoopt voor het eerst meer auto's in Europa dan Tesla. En dat terwijl de Chinese auto's pas sinds twee jaar verkocht worden op dit hele continent.Deze aflevering kijken we naar die pijnlijke ontwikkeling voor Tesla. Is het de schuld van Elon Musk? En waarom heeft BYD geen last van dalende verkopen in Europa?Verder hebben we het ook over ING. Dat moest in de financiële crisis afscheid nemen van hun spaarbank in Amerika. Onder druk werd dat verkocht. Maar werkt ING aan een comeback? Volgens persbureau Bloomberg wil het een bankvergunning aanvragen in de VS.Hoe dat precies zit, hoor je uiteraard. Dan hoor je ook dat het niet lekker loopt bij Nike. De verkopen blijven maar dalen. Daar heeft de nieuwe ceo nu wat op gevonden: prijsverhogingen! Ook gaat het over het immense belastingplan van Trump. We bekijken wat dat betekent voor beleggers. En het gaat over het verlies van een Engelse voetbalclub. Dat heeft grote gevolgen voor de beurskoers van die voetbalclub.See omnystudio.com/listener for privacy information.

President Donald Trump verweet gisteren in het Witte Huis de bezoekend Zuid-Afrikaanse president Ramaphosa dat in zijn land genocide wordt gepleegd op witte Zuid-Afrikaanse boeren. Tijdens de ontmoeting in de Oval Office liet hij het licht dimmen om een video te tonen die zijn beschuldigingen moesten onderbouwen. De Zuid-Afrikaanse president liet zich niet uit zijn tent lokken, zegt correspondent David Hammelburg. Provincies weten ook met de huidige stikstofplannen niet wanneer ze weer ruimte hebben om vergunningen aan bedrijven te verlenen. Dat blijkt uit een rondgang van het FD. Nederland staat zo goed als stil door de stikstofproblematiek ondanks dat er - vorige maand - nieuwe kabinetsplannen zijn gepresenteerd. Daarnaast hebben de provincies er ook nog eens weinig vertrouwen dat er snel verandering in komt, zegt Maureen Blankestijn van het FD. Ook als het lukt om de klimaatopwarming te beperken tot anderhalve graden, dan nog kan de wereld te maken krijgen met een stijging van de zeespiegel. Klimaatwetenschapper en hoogleraar aan de Universiteit Utrecht Detlef van Vuuren geeft een toelichting. Over deze podcast In Ochtendnieuws hoor je in 20 minuten het belangrijkste nieuws van de dag. Abonneer je op de podcast via bnr.nl/ochtendnieuws, de BNR-app, Spotify en Apple Podcasts. Of luister elke dag live via bnr.nl/live. See omnystudio.com/listener for privacy information.

Baidu, de Chinese Google, wil met zijn robotaxi’s naar Europa komen. Daarmee lijkt het bedrijf een nieuw front te openen waarin China zowel de VS als Europa het nakijken geeft. Maar het zal nog wel even duren voordat ze hier daadwerkelijk rondrijden. Europese landen zijn een stuk voorzichtiger en de regelgeving is nog niet klaar. Mobiliteitsredacteur Hans de Jongh praat je bij over de wereld van de zelfrijdende taxi's. Lees: De robotaxi komt ook Europa binnenrijden, maar wel erg langzaam Het kabinet treft voor €2,2 mrd aan stikstofmaatregelen, werd eind april duidelijk. Toch weten provincies nog steeds niet wanneer ze meer vergunningen kunnen verlenen. Uit een rondgang van het FD blijkt dat er nog geen perspectief is op hervatting van de vergunningverlening, wat ten koste gaat van investeringen. Politiek verslaggever Bauke Schram deed een rondgang en vertelt waar de provincies tegenaan lopen. Lees: Kabinet biedt geen perspectief op vergunningen in stikstofimpasse Ruim een kwart van de werkenden in Nederland ervaart nadelige gevolgen van polarisatie op de werkvloer, zo wijst onderzoek uit dat uitgevoerd is door Randstad. Vooral jonge werknemers vinden het lastig om met deze spanningen om te gaan. Arbeidsmarktredacteur Elfanie toe Laer legt uit hoe managers, werknemers en bedrijven een actieve rol kunnen aannemen in het verminderen van polarisatie. Lees: Polarisatie op de werkvloer belemmert productiviteit Luister ook: het FD Luisterverhaal Redactie: Sophia Wouda & Floyd Bonder Presentatie: Floyd Bonder See omnystudio.com/listener for privacy information.

Het is een dag om nooit te vergeten voor Elon Musk, omdat het zo'n pijnlijke dag is. Concurrent BYD verkoopt voor het eerst meer auto's in Europa dan Tesla. En dat terwijl de Chinese auto's pas sinds twee jaar verkocht worden op dit hele continent.Deze aflevering kijken we naar die pijnlijke ontwikkeling voor Tesla. Is het de schuld van Elon Musk? En waarom heeft BYD geen last van dalende verkopen in Europa?Verder hebben we het ook over ING. Dat moest in de financiële crisis afscheid nemen van hun spaarbank in Amerika. Onder druk werd dat verkocht. Maar werkt ING aan een comeback? Volgens persbureau Bloomberg wil het een bankvergunning aanvragen in de VS.Hoe dat precies zit, hoor je uiteraard. Dan hoor je ook dat het niet lekker loopt bij Nike. De verkopen blijven maar dalen. Daar heeft de nieuwe ceo nu wat op gevonden: prijsverhogingen! Ook gaat het over het immense belastingplan van Trump. We bekijken wat dat betekent voor beleggers. En het gaat over het verlies van een Engelse voetbalclub. Dat heeft grote gevolgen voor de beurskoers van die voetbalclub.See omnystudio.com/listener for privacy information.

Pensioenbelegger PGGM heeft een rechtszaak verloren over het voorgenomen ontslag van hoofdeconoom Guy Verberne, die zich fel verzet tegen de verduurzaming van het beleggingsbeleid. Het hof Arnhem-Leeuwarden oordeelt dat PGGM onvoldoende gronden heeft om hem de laan uit te sturen. FD-redacteur Gerben van der Marel vertelt hoe het nu verder gaat met Verberne en PGGM. Lees: Pensioenreus PGGM mag criticus duurzaam beleid niet ontslaan Frankrijk is de grootste Europese exporteur van defensiematerieel en Thales een van de grootste Europese bedrijven op het gebied van defensietechnologie. Het Franse defensiebedrijf groeit hard en heeft jaarlijks duizenden nieuwe medewerkers nodig. Het onderwijs levert lang niet genoeg technici af. Dus leidt het bedrijf zijn personeel steeds meer zelf op. Frankrijk-correspondent Eva Rammeloo ging langs bij het eigen opleidingscentrum van Thales en vertelt hoe het er daaraan toegaat. Lees: Tekort aan technici? Bij Thales leert een ex-kok hoe je een heteluchtmotor bouwt Na een hoofdelijke stemming van 73 Kamerleden tegen en 72 voor, is het pensioenplan van NSC dinsdagmiddag nipt verworpen. De fractie van Denk en de afwezigheid van Esther Ouwehand (Partij voor de Dieren) waren daarbij doorslaggevend. Politiek verslaggever Martine Wolzak vertelt over de ontknoping van een maanden durend pensioendebat, waarin de spanning steeds verder opliep. Lees: Kamer verwerpt NSC-plan voor raadplegen pensioendeelnemers Redactie: Sophia Wouda en Floyd Bonder Presentatie: Floyd Bonder Eindredactie: Nelleke van der Heiden See omnystudio.com/listener for privacy information.

With apologies to Benjamin Franklin, there are three sure things in the game of life these days: death, taxes and a mention of responsible gambling on the Gaming News Canada Show.In the latest episode, RG is front and centre thanks to last week's introduction of Real-Time Check-In by FanDuel – the latest tool/program launched by the Flutter Entertainment brand to lend a hand to its customers.FanDuel, which at the end of last year introduced its My Spend tool and also agreed to a partnership with Kindbridge Behavioral Health, is leaning in further on the RG front with Real-Time Check-In. Senior commercial director Jill Watkins and Cory Fox, FD's VP of public policy and sustainability, were our guests on the GNCS to walk us through Real-Time Check-In. We also asked Fox and Watkins about the use of artificial intelligence in the creation of the latest tool, the motivation for the operator's increased investment in responsible gambling, and if there have been any lessons learned from operating in Ontario.We also took a moment at the end of the podcast to congratulate Shelley White on her induction into the Sports Betting Hall of Fame during last week's SBC Summit Americas in Fort Lauderdale, Fla. Hosted on Acast. See acast.com/privacy for more information.

Wear your sunscreen and don't get cooked on episode 161 of The Horror Stans Podcast! With a brand new entry finally in theaters aka Final Destination: Bloodlines we are discussing 2006's Final Destination 3! Listen and find out which one of us might have this as their number one FD film, talk some of the best deaths in the franchise, Steve goes on a tangent about weak FD final acts (Renaissance Fair?), ask if South Park is STILL airing, Wendy's iconic Madame Webb coat, Sinners, The Office vs. Final Destination and what we expect from Bloodlines! We hope you enjoy!Please give us 5 stars!@horrorstans@horrorstanspodcast@screamsteve/@stesta621@mcavo92

What happens in Vegas stays in Vegas...  BUY MY MERCH PLEASE!  https://southern-cannibal-shop.fourthwall.com/? Send your TRUE Scary Stories HERE! ► https://southerncannibal.com/  OR Email at southerncannibalstories@gmail.com LISTEN TO THE DINNER TABLE PODCAST! ► https://open.spotify.com/show/3zfschBzphkHhhpV870gFW?si=j53deGSXRxyyo9rsxqbFgw Faqs about me ► https://youtube.fandom.com/wiki/Southern_Cannibal Stalk Me! ► Twitter: https://twitter.com/iAmCanni ► Instagram: https://instagram.com/iamreallycanni ► Merch: https://southern-cannibal-shop.fourthwall.com/? ► Scary Story Playlist: https://www.youtube.com/playlist?list=PL18YGadwJHERUzNMxTSoIYRIoUWfcGO2I ► DISCLAIMER: All Stories and Music featured in today's video were granted FULL permission for use on the Southern Cannibal YouTube Channel!  Huge Thanks to these brave folks who sent in their stories! #1. - Anonymous #2. - u/jimmyofsuburbia #3. - Adam  #4. - Sam  #5. - Patrick F  #6. - Andrew (Godzilla) #7. - Anonymous #8. - Jasmine  #9. - FD #10. - Kev Huge Thanks to these talented folks for their creepy music! ► Myuuji: https://www.youtube.com/c/myuuji ♪ ► CO.AG Music: https://www.youtube.com/channel/UCcavSftXHgxLBWwLDm_bNvA  ♪ ► Kevin MacLeod: http://incompetech.com ♪ ► Piano Horror:  https://www.youtube.com/PianoHorror ♪ https://creativecommons.org/licenses/by/3.0/us/

I correct what I said in the last episode about the author of the proof of FD from last episode based on intersection types.  I also describe AI flopping when I ask it a question about this.

Patch and Matt are joined by COO & FD of Bristol City Tom Rawcliffe to walk through the events of Play Off Semi-Final day.

01.Cartoon, Jessee, Kazhi & AC13 - Made For The Game 02.Hyper Senses, YASUKI - Run Away 03.Special Guests - Open Up Your Eyes 04.Murdock & Ruth Royall - Cola (Mollie Collins Extended Remix) 05.Drumsound & Bassline Smith - Last Night 06.Mandidextrous, BEANIE - The Signs 07.Netsky & Andromedik - Out of Body (Blooom Remix) 08.Idle Days - In Search Of Myself 09.Bitsune & M'Go - Light The Fire 10.Dead Wax - What I Can Do 11.D-Sabber - Show Me The Light 12.REAPER & Basstripper - MOMENT 13.Feed the Fire - FIRE 14.Natty Lou/Coppa Komanche - The Vibe 15.Hebra, Vandermou - Nightmare 16.Acaled - Open Your Mind 17.RAIDO - Push It 18.MV, Parix - Mutations (feat. Sebotage) 19.Acaled - Wanna Feel 20.Despersion - Take You Back 21.Audio - Invasion (Enta Remix) 22.L3MMY DUBZ - Alive 23.Hologram - Crossfire 24.Silent Extent & Seriouz - Saturn 25.Mizo - Scream 26.CiDiaH - Gate String 27.Audio - From The Ashes (Neonlight Remix) 28.Maze & Arya - Final Lap 29.receptor & Skrimor - Red Shift 30.Paperclip- Evol 31.Mizo & Swetti SV - Music Unites 32.Anngree - Wasteland 33.Ozma & Avenax - Glaza 34.Transforma - Opaque 35.Enei & EN:VY - Hard Ship 36.Brat Biolog - Pathfinder 37.Xsonsence & SLAyT - Meta Intellect 38.FD & Cronic - Gorilla Glue 39.LOG1N - Barbes 40.C-DU - Electro Nonsense 41.Ky - Fass Audio 42.Fryware - LOSEMYSELF 43.Teej, Mc Sas - War Dance (Nelu Remix) 44.Invert Era - Cerberus 45.Harry Shotta, Westman, Complex - No Competition 46.ARPXP & Adred - Villanova 47.Particle - Only One 48.Holmesz - Don't Call Me 49.Peyote & Holmesz - Begging 50.Classifyed - No.1 blammer 51.Tyke & Prestige - They're Watching Us 52.Joy Mobility - Red Smoke 53.General Levy & Bonnot - Pow Pow Pow Pow 54.Entei - Dialled In 55.TANTRON - THE IRON SWORD 56.Toal - Pingu 57.Ninx - Rupture 58.Jayline, General D - Vamanos 59.Benny Page, YoungJakeyy - Cuban Links 60.shiftless - Strange Signals 61.Objectiv, Dubruvvas, MC Gusto - Heartbeat 62.Revan - Points Mean Prizes 63.Too Greezey - The Chopping Mall 64.Higrade - Hilbert's Hotel 65.Revan, Primitive Instinct - The Vault 66.Sequences - Close Your Eyes 67.Waypath - New Day 68.Snipez - Dubclart Jungle 69.Carlito - Ah Who 70.Jinx - Boom 71.Dub Phizix - Raw Food 72.Fortune & Chance - Multiverse 73.Kometa - Noir 74.Archangel - Roses 75.Bravil - Close Grand 76.Filthy Philp/Alicia King/Hypnotik UK - Your Touch 77.Confucius MC/Bastien Keb - Gutters (Alix Perez Remix) 78.Fortunecookie20 - Cadence 79.MentalFrame - Croaky (Josephs Perception Remix A) 80.Carlito - Hold Me Tight 81.London Elektricity - Life Is But A Dream 82.Joakuim, Salem Focus, Or:la - Chrysalism 83.Carlito - Passenger

01.Cartoon, Jessee, Kazhi & AC13 - Made For The Game 02.Hyper Senses, YASUKI - Run Away 03.Special Guests - Open Up Your Eyes 04.Murdock & Ruth Royall - Cola (Mollie Collins Extended Remix) 05.Drumsound & Bassline Smith - Last Night 06.Mandidextrous, BEANIE - The Signs 07.Netsky & Andromedik - Out of Body (Blooom Remix) 08.Idle Days - In Search Of Myself 09.Bitsune & M'Go - Light The Fire 10.Dead Wax - What I Can Do 11.D-Sabber - Show Me The Light 12.REAPER & Basstripper - MOMENT 13.Feed the Fire - FIRE 14.Natty Lou/Coppa Komanche - The Vibe 15.Hebra, Vandermou - Nightmare 16.Acaled - Open Your Mind 17.RAIDO - Push It 18.MV, Parix - Mutations (feat. Sebotage) 19.Acaled - Wanna Feel 20.Despersion - Take You Back 21.Audio - Invasion (Enta Remix) 22.L3MMY DUBZ - Alive 23.Hologram - Crossfire 24.Silent Extent & Seriouz - Saturn 25.Mizo - Scream 26.CiDiaH - Gate String 27.Audio - From The Ashes (Neonlight Remix) 28.Maze & Arya - Final Lap 29.receptor & Skrimor - Red Shift 30.Paperclip- Evol 31.Mizo & Swetti SV - Music Unites 32.Anngree - Wasteland 33.Ozma & Avenax - Glaza 34.Transforma - Opaque 35.Enei & EN:VY - Hard Ship 36.Brat Biolog - Pathfinder 37.Xsonsence & SLAyT - Meta Intellect 38.FD & Cronic - Gorilla Glue 39.LOG1N - Barbes 40.C-DU - Electro Nonsense 41.Ky - Fass Audio 42.Fryware - LOSEMYSELF 43.Teej, Mc Sas - War Dance (Nelu Remix) 44.Invert Era - Cerberus 45.Harry Shotta, Westman, Complex - No Competition 46.ARPXP & Adred - Villanova 47.Particle - Only One 48.Holmesz - Don't Call Me 49.Peyote & Holmesz - Begging 50.Classifyed - No.1 blammer 51.Tyke & Prestige - They're Watching Us 52.Joy Mobility - Red Smoke 53.General Levy & Bonnot - Pow Pow Pow Pow 54.Entei - Dialled In 55.TANTRON - THE IRON SWORD 56.Toal - Pingu 57.Ninx - Rupture 58.Jayline, General D - Vamanos 59.Benny Page, YoungJakeyy - Cuban Links 60.shiftless - Strange Signals 61.Objectiv, Dubruvvas, MC Gusto - Heartbeat 62.Revan - Points Mean Prizes 63.Too Greezey - The Chopping Mall 64.Higrade - Hilbert's Hotel 65.Revan, Primitive Instinct - The Vault 66.Sequences - Close Your Eyes 67.Waypath - New Day 68.Snipez - Dubclart Jungle 69.Carlito - Ah Who 70.Jinx - Boom 71.Dub Phizix - Raw Food 72.Fortune & Chance - Multiverse 73.Kometa - Noir 74.Archangel - Roses 75.Bravil - Close Grand 76.Filthy Philp/Alicia King/Hypnotik UK - Your Touch 77.Confucius MC/Bastien Keb - Gutters (Alix Perez Remix) 78.Fortunecookie20 - Cadence 79.MentalFrame - Croaky (Josephs Perception Remix A) 80.Carlito - Hold Me Tight 81.London Elektricity - Life Is But A Dream 82.Joakuim, Salem Focus, Or:la - Chrysalism 83.Carlito - Passenger

Пиратская Станция представляет майский движ на Рекорде и поддерживает ваше настроение мощной и искристой подборкой новенького drumandbass. Чувствуйте позитивный вайб и ловите наши лучи! GVOZD vibez: 1.Cartoon, Jessee, Kazhi & AC13 - Made For The Game 2.Hyper Senses, YASUKI - Run Away 3.Special Guests - Open Up Your Eyes 4.Murdock & Ruth Royall - Cola (Mollie Collins Extended Remix) 5.Drumsound & Bassline Smith - Last Night 6.Mandidextrous, BEANIE - The Signs 7.Netsky & Andromedik - Out of Body (Blooom Remix) 8.Idle Days - In Search Of Myself 9.Bitsune & M'Go - Light The Fire 10.Dead Wax - What I Can Do 11.D-Sabber - Show Me The Light 12.REAPER & Basstripper - MOMENT 13.Feed the Fire - FIRE 14.Natty Lou/Coppa Komanche - The Vibe 15.Hebra, Vandermou - Nightmare 16.Acaled - Open Your Mind 17.RAIDO - Push It 18.MV, Parix - Mutations (feat. Sebotage) 19.Acaled - Wanna Feel 20.Despersion - Take You Back 21.Audio - Invasion (Enta Remix) 22.L3MMY DUBZ - Alive 23.Hologram - Crossfire 24.Silent Extent & Seriouz - Saturn 25.Mizo - Scream 26.CiDiaH - Gate String 27.Audio - From The Ashes (Neonlight Remix) 28.Maze & Arya - Final Lap 29.receptor & Skrimor - Red Shift 30.Paperclip- Evol 31.Mizo & Swetti SV - Music Unites 32.Anngree - Wasteland 33.Ozma & Avenax - Glaza 34.Transforma - Opaque 35.Enei & EN:VY - Hard Ship 36.Brat Biolog - Pathfinder 37.Xsonsence & SLAyT - Meta Intellect 38.FD & Cronic - Gorilla Glue 39.LOG1N - Barbes 40.C-DU - Electro Nonsense 41.Ky - Fass Audio 42.Fryware - LOSEMYSELF 43.Teej, Mc Sas - War Dance (Nelu Remix) 44.Invert Era - Cerberus 45.Harry Shotta, Westman, Complex - No Competition 46.ARPXP & Adred - Villanova 47.Particle - Only One 48.Holmesz - Don't Call Me 49.Peyote & Holmesz - Begging 50.Classifyed - No.1 blammer 51.Tyke & Prestige - They're Watching Us 52.Joy Mobility - Red Smoke 53.General Levy & Bonnot - Pow Pow Pow Pow 54.Entei - Dialled In 55.TANTRON - THE IRON SWORD 56.Toal - Pingu 57.Ninx - Rupture 58.Jayline, General D - Vamanos 59.Benny Page, YoungJakeyy - Cuban Links 60.shiftless - Strange Signals 61.Objectiv, Dubruvvas, MC Gusto - Heartbeat 62.Revan - Points Mean Prizes 63.Too Greezey - The Chopping Mall 64.Higrade - Hilbert's Hotel 65.Revan, Primitive Instinct - The Vault 66.Sequences - Close Your Eyes 67.Waypath - New Day 68.Snipez - Dubclart Jungle 69.Carlito - Ah Who 70.Jinx - Boom 71.Dub Phizix - Raw Food 72.Fortune & Chance - Multiverse 73.Kometa - Noir 74.Archangel - Roses 75.Bravil - Close Grand 76.Filthy Philp/Alicia King/Hypnotik UK - Your Touch 77.Confucius MC/Bastien Keb - Gutters (Alix Perez Remix) 78.Fortunecookie20 - Cadence 79.MentalFrame - Croaky (Josephs Perception Remix A) 80.Carlito - Hold Me Tight 81.London Elektricity - Life Is But A Dream 82.Joakuim, Salem Focus, Or:la - Chrysalism 83.Carlito - Passenger

De brutalen hebben de halve wereld. Dat moet ASML hebben gedacht toen het op hoge poten bij Donald Trump aanklopte. ASML wil namelijk vrijstelling van Amerikaanse invoerheffingen. ASML verscheept onderdelen heen en weer tussen de VS en Europa, maar wil volgens het FD een opeenstapeling van heffingen voorkomen. Deze aflevering kijken we hoe ASML de onderhandelingen met Trump aan moet gaan. De president wil altijd iets terug, wat moet de maker van chipmachines geven aan de Amerikanen? Verder is het de aflevering waarin ceo's een hoofdrol opeisen. Bij IMCD en FlowTraders stappen de ceo's onverwachts op. Bij FlowTraders was de paniek onder beleggers zo groot dat de beurshandel stilgelegd moest worden. De exit van de topman en de slechte cijfers zorgen daar voor paniek.Bij ABN Amro en Unilever zijn de hoogste bazen al vervangen en de nieuwe bazen hebben grote plannen. Zo wil de ceo van ABN nu écht beter op de kosten gaan letten. Die van Unilever ook, maar daarnaast komt hij ook met een bijzondere voorspelling. Die importtarieven, die raken het bedrijf niet echt.Opvallend, helemaal omdat grote concurrent Procter & Gamble waarschuwt dat die handelsoorlog er wél in hakt. Net als een paar andere Amerikaanse bedrijven, die zelfs hun hele outlook intrekken.See omnystudio.com/listener for privacy information.

Het lijkt wel een Paaswonder. Op Goede Vrijdag deelt president Trump uit. Hij zegt dat China een deal met hem wil sluiten en belooft de tarieven op Chinese producten niet te verhogen. Ook zegt hij dat er een deal met Europa aanstaande is. De handelsoorlog, zo lijkt het, wordt opgelost. Deze aflevering kijken we of er daadwerkelijk vrede komt tussen de VS en China. En of hij de komende weken een deal bereikt met andere landen die hij bestookt met importtarieven. Over tarieven gesproken: Netflix blijkt er geen last van te hebben. Het gaat veel en veel beter met het bedrijf dan analisten dachten. De omzet, de winst én marge zijn beter dan gedacht. Netflix blijkt handelsoorlog-proof én recessieproof te zijn.Oekraïne komt ook voorbij deze uitzending, want het land heeft een mineralendeal gesloten met de Verenigde Staten. Mineralen die het nieuwe goud worden genoemd, want ze zijn nodig voor chips. Een bodemschat van ongekende waarde: volgens de VN ligt er voor 11.000 miljard dollar onder de grond. We hebben het trouwens ook over eigen land. Over de minister van Infrastructuur. Die wordt door Brussel op de vingers getikt vanwege zijn plannen voor Schiphol. En het gaat over ABN Amro. Dat ligt onder vuur, omdat ze op een lompe manier personeel ontslaan. Dat doen ze via het intranet.See omnystudio.com/listener for privacy information.

In our 400th episode of the Global Medical Device Podcast, host Etienne Nichols is joined by Greenlight Guru's Sara Adams to unpack the findings of the 2025 Medical Device Industry Benchmark Report. From the rise of family office investments to QMS upgrades and the impact of regulatory uncertainty, this episode delivers a candid and comprehensive look at the current MedTech landscape. Sara brings her quality expertise and industry anecdotes to life, while Etienne adds sharp insights on strategic planning and product development.Whether you're facing supply chain complexity, preparing for QMSR, or trying to navigate market shifts, this episode is your roadmap for the year ahead.Key Timestamps00:03 – Introduction to the 2025 Medical Device Industry Report05:00 – Market growth outlook: $800B by 203009:40 – Family office investment trends in MedTech13:15 – Hiring freezes and headcount reductions: what's behind the numbers?20:22 – Supply chain challenges and supplier qualification issues28:35 – Why only 11% of companies rate their supply chain management as “excellent”33:30 – QMS upgrades and the strategic focus on quality systems39:00 – Fundraising and clinical trials: top priorities for pre-commercial companies44:55 – Regulatory complexity: QMSR, EU MDR, and FDA staffing pressures53:50 – FDA Form 483s: top causes and how to avoid them1:04:00 – Action plan for 2025: technology, collaboration, and performance1:12:00 – Making quality your competitive edgeMemorable Quotes“Money is the air companies breathe, but safety is the ground they walk on.” – Etienne Nichols“If you're not reaching out to your FDA review team, you're already behind.” – Sara Adams“Dig the well before you're thirsty — especially in MedTech.” – Etienne Nichols

Prepare for takeoff, students! Mark welcomes author, podcaster, and horror movie lover Padraic Maroney back to the show to celebrate the 25th anniversary of Final Destination AND to celebrate his brand new book about the whole FD franchise! Padraic has interviewed 50 people involved with these fun shockers and shares great behind the scenes stories - plus what's to come in the new sequel out soon - in "Escaping Death: The Unauthorized Story Behind the Final Destination Movies" which you can buy now. Listen to hear him spill some blood (I mean tea!), discuss favorite deaths, rank the sequels, and figure out the name Clear Rivers. Plus, they salute the late, great Tony Todd. Spoiler warning!Order the book at https://www.bearmanormedia.com/Follow Padraic @basedonabookbypadraic

How have S-Reit's fared amist the global market turmoil? We saw this during COVID — a sharp drop followed by a V-shaped recovery in S-REITs,” says REIT specialist Kenny Loh. What are investors on the search for yield doing? As markets step back from the cliff edge following Trump’s tariff pause, are Singapore REITs on the cusp of another rebound — or is volatility here to stay? Hosted by Michelle Martin with Kenny Loh, this episode explores: How tariffs are impacting S-REITs today. What investors should know about Stoneweg European REIT’s proposed stapled trust structure. Key considerations for Paragon REIT’s upcoming privatisation vote. Where to find yield as T-bill, FD, and SSB rates decline. Core risks and strategies for income investors in 2025. See omnystudio.com/listener for privacy information.

Is the “Age of Ozempic” reshaping The Vitamin Shoppe? In May 2024, The Vitamin Shoppe introduced a telehealth service called Whole Health Rx by The Vitamin Shoppe that safely and seamlessly connects patients with licensed healthcare providers in real time…streamlining access to GLP-1 agonist medications, both branded and compounded versions (that is until the FDA recently updated its drug supply shortage list, making compounding a FD&C Act volitation). Moreover, these telehealth services are offered alongside The Vitamin Shoppe's industry-leading education resources, as well as nutritionist-recommended supplements to help optimize the weight loss journey for healthy results. So, with Whole Health Rx by The Vitamin Shoppe targeting personalized care verticals, instead of a wide range of treatment and care needs like GNC Health…the better comparable company analysis would be Hims & Hers. And interestingly enough, within a piece of content from November 2021…my words arguably created the foundation for this entire Whole Health Rx by The Vitamin Shoppe strategy! But a behavioral change that arguably started gaining importance about a decade prior…when more individuals began viewing themselves as consumers in the healthcare market compared to solely being patients. Because of that, consumer healthcare has begun evolving from a reactive, one-size-fits-all approach to a distinctively proactive, personalized, and integrative approach. But as you'd imagine that marketplace evolution has created immense opportunities. Though, this why specialty supplement retailers must have a foundational mindset that place customers at the center of a flexible, almost choose your own adventure style of shopping…acknowledging wellness-minded consumers are also more “solution aware” due to the sheer access to information substitutions. And this was partly why my “vision for the future” included specialty supplement retailers and pharmacy (drug channel) retailers converging into wellness retailers. Specialty shouldn't mean singular solution, thus a retailer like The Vitamin Shoppe must continue evolving its total solutions to become a bigger part of the wellness journey. Alternatively, “trying to be everything to everyone” can be problematic, which is why I mentioned earlier about The Vitamin Shoppe essentially taking the “depth” over “breadth” page out of the Hims & Hers strategic playbook. By increasing optionality of solutions for only its most compelling valuable consumer cohorts, The Vitamin Shoppe can more effectively deliver an experience that removes barriers and provides access to better health that is approachable, personalized, and convenient. And while I believe physicians are quickly becoming more educated around how patients can manage the early phase of the process, what side effects to anticipate, and how to mitigate or manage those side effects…there's also a significant education and nutrition support role for specialty retailers, as consumers look for help navigating this new, confusing “Age of Ozempic” world. But with the launch of its new private label brand, GLP-1 Support from Whole Health Rx by The Vitamin Shoppe…the specialty retailer recognized it was well-positioned to fill a critical gap in the market for tailored nutritional support. But then for the final portion of my latest first principles thinking content, I wanted to give my outlook for Whole Health Rx by The Vitamin Shoppe.

Wisconsin's already witnessed a few wildfires that have torched rural acres. The threat for fire on the farm needs to be taken seriously too. Not only is property at risk, but family and employees need protection. Ben Jarboe gets some tips from Jerry Minor, retired fire chief with the Pittsville FD. He suggests that farm devise an emergency response plan if a fire occurs. He says there's a wealth of information and guidance in online resources. Minor says he'd really like farmers to help their local FD to prepare in case of emergency. Moderate weather returns to Wisconsin for the weekend. A little rain, and more moderate temperatures according to Stu Muck. Next week the largest 3 day horse event in Wisconsin returns to the Alliant Energy Center. The Midwest Horse Fair focuses on education according to show general manager, Terri Gianetti. She says they're expanding horses and clinicians from across the United States. She highlights some of the performances people flock to as well with Ben Jarboe. Cuts in the federal budget are sending ripple effects to researching campuses across the United States, including UW-Madison. UW-Madison Chancellor, Jennifer Mnookin, says they're trying to be proactive if these cuts are coming their way, but she says it's difficult. Mnookin tells the Mid-West Farm Report that the UW is the 6th largest research university in the U.S. and a sizable amount of the funding for that research comes through federal channels. Federal cuts are impacting local budgets too. During the pandemic the federal government created a funding mechanism to try and connect school lunch programs with local farmers that could supply fresh produce and goods during a time when the food chain was disrupted. Now, the federal government's discontinuing two of the major programs that local school nutrition programs counted on. Local farmers also counted on those funds. Stephanie Hoff finds out how school lunch programs are trying to react with Ashwaubenon School District Nutrition Coordinator, Kaitlin Tauriainen.See omnystudio.com/listener for privacy information.

On today's episode of The Wholesome Fertility Podcast, I am joined by Dr. Nayan Patel @aurowellness, a pharmacist, researcher, and glutathione expert, to explore the critical role glutathione plays in fertility and overall health. Dr. Patel shares his journey from traditional pharmacy to developing a breakthrough delivery system for glutathione through the skin, and why this antioxidant is essential for protecting egg and sperm quality. In this episode, you'll learn how oxidative stress impacts fertility, why diet alone might not be enough, and how his innovative technology can support the body's natural detoxification process. Be sure to tune in for this fascinating conversation packed with practical advice and insights for anyone on the fertility journey! Key Takeaways:  Glutathione is the body's most abundant and powerful antioxidant. It plays a vital role in protecting reproductive health by reducing oxidative stress. Most oral supplements don't get absorbed effectively, making Dr. Patel's skin-delivery innovation a game-changer. A healthy lifestyle and cysteine-rich foods are essential for maintaining glutathione levels. Guest Bio: Dr. Nayan Patel @aurowellness is a highly sought-after pharmacist, wellness expert, and thought leader in his industry. Since 1999, he has collaborated with physicians to custom-develop medications and design patient-specific drug and nutrition regimens. As the pharmacist of choice for celebrities, CEOs, and physicians alike, Dr. Patel is recognized for his innovative approach to health and wellness. He is the author of The Glutathione Revolution: Fight Disease, Slow Aging & Increase Energy, which distills over a decade of clinical research on the master antioxidant, glutathione. His patented technology for delivering glutathione topically has revolutionized how the body absorbs this essential molecule. From this breakthrough, he also created the Auro GSH Antioxidant Delivery System, a skincare line designed to deliver antioxidants more efficiently and effectively than ever before. Websites/Social Media Links: Learn more about Dr. Patel's Products Follow Dr. Patel on Facebook For more information about Michelle, visit www.michelleoravitz.com  To learn more about ancient wisdom and fertility, you can get Michelle's book at: https://www.michelleoravitz.com/thewayoffertility  The Wholesome Fertility facebook group is where you can find free resources and support: https://www.facebook.com/groups/2149554308396504/  Instagram: @thewholesomelotusfertility Facebook: https://www.facebook.com/thewholesomelotus/ ------------------------------- Transcript: # TWF: Dr. Nayan Patel [00:00:00] [00:01:00]    **Michelle Oravitz:** So welcome to the podcast, Dr. Patel. **Dr. Nayan Patel:** Well, thank you for having me. I appreciate the time today. **Michelle Oravitz:** Yes, I'm very excited to talk about what we are going to discuss, which is glutathione. But before we get to that, I would love to get your backstory and how you got into the work that you're doing today. **Dr. Nayan Patel:** Oh my god, absolutely. So start off as a pharmacist, as a career as a pharmacist, and after graduation [00:02:00] from pharmacy school. In Southern California, we were, we were trained to take care of the patient's needs and medications. And very quickly I realized that the medications we have at that time were actually not solving any problem. They were just maintaining people's problems. And very, very early on, you know, you have an aha moment in your life. That oh my god, what what did I just do right? Oh, I'm just not solving any problems So I had to turn my career to a completely different angle no former educations in in making medications or doing compounding or customizing medications that dive into the that practice and 25 years later here we are today and looking back at that and said, what a journey, what a turning point I had, because it shaped me for who I am today. I had the privilege of making medications and design treatment plans and drug plans for so many individuals helping them in their health and wellness journey. And then all [00:03:00] roads led to me to a discovery of a novel technology that can deliver glutathione. And it all started because I was just curious to find out how we can help people solve their own problems instead of trying to figure out medications to solve the problems. Right? Even though glutathione is not a, it's, it's something that body produces internally we're using it as a supplement today, but. And overall my goal was not to do anything and just enhance the body's own ability to to defend itself. And so here we are today it's a very interesting career for me for sure. **Michelle Oravitz:** For  sure. And first of all, just for people listening that don't really know much about glutathione, I'd love for you to share really what it is and also why it could be so challenging to supplement with. **Dr. Nayan Patel:** Absolutely. so the glutathione in a nutshell Is three amino acids coming together in a single chain. It's a one of the smallest form of peptides we have You two amino acid chains, three amino [00:04:00] acid chains, four, five, 30, 40, 50, and thousands of the chains as well. The simplest form, of course, is glutathione, which is about three amino acids coming together. It's by far the most abundant molecule produced in the human body. And if that's produced so much, we ought to know what it's supposed to do for us. And so that's what my research came back for 140 years that we have known about glutathione. Nobody's ever figured out how to actually get inside your body. And so, 60 years ago, 70 years ago, we had a medication approved by FDA to enhance glutathione level. And as of today, that is the only medication that has been approved ever. In the whole, in the whole world, which is N acetylcysteine, which is one of the amino acids that's been used to produce chlorothione. And that's the only thing that has been available for the last 60, 70 years. **Michelle Oravitz:** So let's talk about what so we definitely, that's one of the things that um, I've been doing for egg health and also sperm [00:05:00] quality, cause it's such a high potent antioxidant. And one of the things that I have always suggested is N acetylcysteine because that's the precursor and we knew that that was like the one way that the body was able to produce it. Okay. Thank you. But then there were some supplements that still supplement with glutathione, liposomal, like different ways, which I know are not really shelf stable. So there's always been challenges with that, but before we continue on with that, I'd love for people to hear, like, what glutathione can benefit, how it can benefit the body. **Dr. Nayan Patel:** So, I understand your audience is interested more in the fertility side of the whole thing. So, you're dealing with rather younger individuals overall which is a good sign because younger patients have, everything at their disposal for the body to respond to even the smallest amount of nutrients that they receive. If the same amount of nutrients is given to an 85 year old person, they're not [00:06:00] going to feel anything, right? But if 20 year old person gets a small amount of good nutrition, they respond very, very well. And so I want to make sure that people understand that **Michelle Oravitz:** And also just to kind of mention um, sometimes we have 40 year olds too, that are trying to conceive or like trying to do IVF. So just kind of like, yeah, the whole, **Dr. Nayan Patel:** They're still spring chicken to **Michelle Oravitz:** okay. Okay. It's good for them to hear that. **Dr. Nayan Patel:** I mean, I've helped people in the very, I mean, in the late forties to get babies as well. So it's not something that's not doable. It's just gets incredibly hard after the age of 40. So it's, not that easy to do so, but the glutathione has multiple properties and understanding what glutathione does is, monument in over. in our therapies because with the two things that we do know is it's the ability for glutathione as an antioxidant to detoxify, neutralize all the free radicals in your body. But the second component is also help you detoxify by conjugating [00:07:00] inside your liver with metabolites and chemicals binding to them. So we can basically get rid of it from from your body. So the two functions that we do know That exists today. There's a lot more research still existing that we need to do. So we, we still are urging researchers to go back and use this new technology product and see if we can find out more things that glutathione can do for us. So one two the sperm or the egg quality is dependent on how your body is able to neutralize those free radicals. Those free radicals are actually toxic to all the embryonic membranes and embryos itself and the quality of the sperm and the egg itself. And neutralizing those free radical of body, there's three ways to do that part. One, you take outside products like vitamin C, and vitamin E, and CoQ10, and and C60s, and I mean, methylene blues, I mean, there's a slew of products that says, oh, we are so called antioxidants, right? So that's [00:08:00] category one. The category two of the products are produced endogenously inside your body are enzymes like catalase, supra oxide, puase, SOD, for short glutathione peroxidase, or GPX for short. So these are the enzymes that the body produces to deal with the oxidative stress or the free radicals. Okay, so those are the category one are the category two. The third category is only one product, which is glutathione. And if you look at it, the body produces so much of glutathione, and the effects of glutathione is so powerful, that if you combine the category one, which is all the antioxidants from outside sources, and the enzymes that your body produces, those two combine, Glutathione can surpass the antioxidant properties. And so I want listeners to understand very carefully is that the glutathione needs to be a basic cornerstone in everybody's arsenal. Every medicine chest in the world should have a [00:09:00] bottle says glutathione And in that bottle either you have a product or it have a note saying that eat healthy food to Let your body produce its own glutathione Either way that note has to be there on every medicine chest out there and you're right There's so much noise out there I want to cut to the noise today because if you just put your favorite search engine or your ai robot is going to tell you hey glirathion, there are a thousand different products out there. Choose one You Right. And as a consumer it's very hard to find out what to choose correctly and people hide behind a great technologies that that exists in the world and said, Oh, my, my product uses this technology. So it's the best one in the world. And you mentioned liposome technology, by the way, I just will let, you know, we were one of the very first few people that actually use liposome to produce the first liposomal glutathione. This was 25 plus years ago, right? And we made the liposome because at that time that was the [00:10:00] best technology that existed in the pharmaceutical world. And the doctor that owned the patents for those came to me and said, Hey, we've been very successful in making this for medications. Can you help me make nutraceuticals with it? Like vitamin C and CoQ10 and PQQ and S Xanthine and Glutathione and so on and so forth. And so we made the products for that doctor. And then a couple of years later. Some work, some did not work. Gluten was one of the products that did not work. So I go back and says, why is that working on everybody? The question I always ask is, hey, it helped my girlfriend. How come it's not helping me? Or it helped my sister. Why, how come it's not helping me? What, what, what am I, how am I different than the other human beings? and in reality, only your face is different. Internally, we are identical. A body has the same heart, the same organs, everything is the same, right? So we have not changed for the last 40, 000 plus years, [00:11:00] how to expect that I'm different than my sister, or I'm different than my girlfriend, or whatever, right? Maybe your genomic mixture is different, but your overall organs and organ systems are identical. And so to me, I said, okay, if it works in one person, it should work on everybody. If I get absorption in one person, I guess you should get absorption in everybody. What's the rate limiting factor? Why is it not happening? And so I didn't have answers at that time. I did not know what to do. So next story is that, okay, you know what? I'll make the intravenous form of glutathione. Hey, if I inject him into the bloodstream, my job's done. Again, took me a few months to figure that portion out how to make that part. And yes, This is long story short, we were Well, again, we were one of the first company pharmacy early on in 2001 to make the injectable form of glutathione. Now, very quickly, we realized that the effects of this glutathione was very short, right? And then I looked back in the research and said, there was a study done in 1991 [00:12:00] saying that if once you inject glutathione, it only stays in the body for between four It takes five to 15 minutes and everything gets destroyed or gets, get, get, it gets into the urine and you pee it out, but an hour and a half later, there was an increase of cysteine, which is one of the amino acids that went up in the blood. And so the researchers concluded that the body was breaking down this glutathione and cysteine was getting reabsorbed by the body and cysteine is being used for your body to produce its own glutathione. I said, okay, I don't care how the body makes it. As long as the body has a gluten, I don't care. But the results were very short lived. And I don't know if you know this thing, but back in early 2000s, one of the doctors came to me. I said, Hey, if it's short lived, that's okay. Let me take you to Vegas because when people drink, they deplete their glutathione levels. If it only stays for 15 minutes, I can revive somebody who's passed out drunk of their minds and I can get them. So. He literally took this product to Vegas and [00:13:00] start helping patients. I read scripts for those kinds of things. And again, I have nothing to do with it. I, unfortunately, I was just the supplier and I was just the maker of the product, but we saved so many lives. We helped so many people, but we were, we learned one thing that the action was not long term. And if I want the long term benefits, because if it's one of your patient, if it's one of your listener, who's, who's trying to get pregnant she, or he has to plan for A 30 day cycle, not a 15 minute. Give me some push right now and I'll be done. No, it's a 30 day cycle. You have to plan everything methodically, right? What am I supposed to do from day one to day seven and from day seven to day 14. And after ovulation, what do I do? And after post ovulation, if there's an embryo implantation, what do I do? And so on and so forth. It's a, it's a whole process and your body needs to be clean this whole time. And none of the products were actually getting the results I was looking for. Later on, I found out, this was 2011 [00:14:00] University of Texas in Austin did a study on the liposome technology product of glirathione. And what they found out was same thing that they saw in intravenous form. The body actually breaks down the glirathione, never absorbs a single molecule of it. Absorbs the cysteine and cysteine is later used to produce his own glutathione. And the end story is, it still works. It still works. But people need to understand, just because it works, it does not mean your body absorbed it. And there's a there's a difference between that one and maybe some people may not appreciate that part But I do appreciate that part because in my case i'm dealing with thousands of patients across the country across the globe now And I want to make sure that I want to give assurance to everybody that hey if I give you a glutathione product No matter what it is going to get inside your body [00:15:00] and absorb it And so the liposome technology product was great until now People got a lot of people got results for almost 80 got results from it but not because it absorbs it because the body was able to Conjugate or take the cysteine and make its own glirathione today Today the things have changed now. Why? because 15 20 years ago We started doing gene testing gene snips You Right at that time it was nobody can afford it. I was fifteen twenty thousand dollars for a blood test Oh gosh, no, nobody can afford that today Same test is 200 bucks 300 bucks, **Michelle Oravitz:** Right.  **Dr. Nayan Patel:** right? So now what's happened is that now everybody's doing these gene testings And finally got hey, do I have gene mutation where my body cannot produce gluothione if the answer is yes Then I don't care how much product you take from outside sources, the body is not [00:16:00] able to effectively produce glutathione correctly all the time. And so that to me is one more proof, one more proof that we need a product that your body can actually accept it, incorporate into their own DNA and use it when it needs to. Anyways, I just went off too many tangents no, Thanks very much, interesting. I want you to continue. So how did you find out and, and like how did you discover the product that you have now and what kind of technology does it use and how does it really impact the body? Absolutely. Those **Michelle Oravitz:** nerd in me wants to know **Dr. Nayan Patel:** Yeah. All great, great questions. And I want to, I really want to be an open book. I don't want to hide any information from anybody so that I'll be more than happy to open it up and let everybody know. So earlier when I first started the book. So we had a, we had a couple of barriers. One, what we knew was the body's not going to take any peptides, any amino acid chains to get it to and incorporate it into their own DNA. [00:17:00] What we, what I found out was the body has to make 100 percent of all peptides in the body, the body has to make it. Right. So we knew that I knew that part very early on. So I said, okay, there is no way on earth I'll be able to make a product that your body can use it up. Okay, so now I had to figure out Okay, how do I get this simple tripeptide three amino acid chain peptides into the body? So I first of all, I want to do, I want to create a stable molecule because if I have a stable molecule in my lab, I can work with it. If it's unstable, I don't have time to really experiment on it, right? So my first goal was to make a stable molecule. So that we achieved pretty fast. It took us a couple of years when we got the stable molecule. We took it by mouth. Again what we saw was Sistine went up, so it was not working really, it was getting broken down. We scored into the nose, I said, and if the nose was burning, I said, oh, nobody's going to use this on a daily basis. Of course not, right? It's not a, it's not a fun thing to do. I knew the [00:18:00] injectables was a little bit of an uphill battle because it requires FD approval and all those things. I said, you know what? The only route that was remaining was skin route. And of course, skin is a physical barrier, right? So it's a physical barrier that I have to overcome. And the physical barrier is, is a particle size barrier. So I had to reduce the particle size so small, It can get through the cracks or the pores of your skin and get inside your body. So that was the first challenge I had, which we were able to crack the code in about a couple of years. We had to take this peptides, twist it in such a form that doesn't get broken apart and gets a small, you know, like when you twist the towel, you know how it gets smaller and smaller and smaller, but you twist enough, it can get really small. And so that's what we did with this molecule. It forces microscopically, and we were able to reduce the particle size to much smaller. We got to the skin. The bigger challenge is this glutathione is inside your cells. So now the issue is that, [00:19:00] okay, we release a particle size, we get through your skin. Now, so the physical barrier, we, we all work in the physical barrier. The second was a chemical barrier. Because the cell wall is a lock and key. Hey, you say the magic word and the castle opens up and you can go inside. But if you don't say the magic word, the castle will never open for you. So the question then becomes is that what does the body needs? What does the cell needs to survive? All your mitochondria, the energy powerhouse in your body is in the cells, right? And that to produce the energy, what you need is carbohydrates and sugars. I cannot give you sugars because I give you diabetes and we already have an epidemic of diabetes in the United States across the world nowadays so I said, okay, how do I get a polysaccharide sugar type molecule? That doesn't doesn't do anything about the sugar is completely inert FDA has tested it out and it's completely safe to give to anybody pregnancy no pregnancy children's everybody And can I use that molecule? So we found [00:20:00] dextrin technology. This was a technology that has been out for about 20, 30 years now, but there are no good medications in the world. As even in today's state, there's not too many medications out there. People are still dabbling around. those technology products. And so we use the technology to literally, instead of working with medications, we start working with glutathione. We do the sugar molecule and stuff inside with glutathione. It's like, do you need M& Ms? Do you need **Michelle Oravitz:** No, not anymore,  **Dr. Nayan Patel:** Not anymore,  Okay, Good. Good. Do you, do you eat M& Ms for the peanuts or for the chocolate? **Michelle Oravitz:** I guess well, I used to like the chocolate ones when I was really, really little. And then later on peanuts, **Dr. Nayan Patel:** Exactly. But the thing is, you don't eat M& Ms for peanuts, you eat M& Ms for the chocolate. But the peanut inside, if you get a peanut, do you spit it out? Or you know what? It's not so bad. I can use it up. **Michelle Oravitz:** It's like I compare it to like, you know, the being able to take those pill things for your dogs where you put it inside a treat and get the dog to eat it. And[00:21:00]  **Dr. Nayan Patel:** That's exactly right, right? So I took the carbohydrate, the sugar molecule, stuffed the glutathione inside, you know, so the body, when the carbohydrate hits the cell wall, the cell goes, oh, I can use this up. Right? And sucks it in. Inside is glutathione. But he goes, well, I can use this up too. It's not something new to me, so I can use this up too. Right? And so now, it's like you somebody tells you that, hey, I have a billion dollar coming to you, but it's coming in the mail. Well, that's not helping me right now, but if it hits my wallet, gosh, I can spend it today. Right? So, you can check the mail, it's in a transit, but until it hits the wallet, you cannot do anything about it. Saving glutathione, if the glutathione is in your body, but it's not inside your cell, the, the cell says that, okay, I need the glutathione, but it's way out there. It's not in my cell. I cannot use it up. Here we got inside the cell directly. [00:22:00] When we did that part, like magic just happened. All of a sudden, the body has a product. The body needs it. The money's in the wallet right now. I can go spend it today. And the body can actually use the glutathione immediately To start doing what? Two things that we know of as of right now. One is start neutralizing all the free radicals. That's number one. Number two, start getting my liver cleaned up and start detoxifying all this, all this metabolism in my system. When you do those things up, all of a sudden your whole body or your temple, your, your the sanctuary in your body starts getting healed from inside, starts getting cleaner. And all of a sudden the, main thing, which is our sperm and the eggs. Are not been invaded or not been attacked by this toxic chemicals. **Michelle Oravitz:** Right? **Dr. Nayan Patel:** And so that's, there's, there's my technology. We discovered this in 2007, as you can imagine 2007 it was too far [00:23:00] ahead of the game. There was nothing in the world that exists something even close to this thing. And so there was no studies being done. There's no research articles published. There's nothing out there in the world that I can fall back and say, Hey, go ahead and use it safe. **Michelle Oravitz:** Yeah.  **Dr. Nayan Patel:** do that part. So it took me another 13, 14 more years to literally do everything that I can do on my own. I have no funding. I did everything on my own. I put every single thing I have back into this to basically research it out. Apply for the patents, all my work that I did. I, in fact, I published a book about three, four years ago. All the work I did for the first 13 years, I put in a book. I said, Hey. Guys, here's read it, right? This is this is all my work and it's just success stories that I've given to patients and clients and And found friends and family that uses product and and see how how much benefit they got in different areas of life right if you're an athlete versus if you have metabolic disorders versus you have [00:24:00] metabolism, defects if you're on the spectrum because spectrum patients have some sort of Metabolism issues of detoxification issues that they cannot clear the toxins out of the body And they are the autism or aspergers or whatever they got right? So i've all the stories and I have some stories about horses and and dogs and how how they it helped them as well in their in their wellness, thing as well as anyways So that's all the stories in the book the glutton revolution. That's my book. But after everything got done We had a pandemic **Michelle Oravitz:** Right. **Dr. Nayan Patel:** the product was not even released yet You And the pandemic comes around and I've been begged by all the doctors around the country. I said, oh my god Please give us the access to the glutathione because I was working with doctors So they knew about this product, but none of the consumers knew knew about it And so that's when we actually did a soft launch. We didn't have a bottling. We didn't have a boxing. We have nothing at that time No website, we had a website, but it was like a nothing nothing crazy So 2021 [00:25:00] was the first launch of the product now we are here today, but, so anyways, so thanks for asking me this question, but I just wanna make sure the story **Michelle Oravitz:** Yeah, no, I love the story because I think also I have very, very smart listeners, I'll be honest, like with a fertility journey, they are so educated. You know, it's such a motivator to really educate yourself. And a lot of times if I work with people in person online, I see the most educated people, they really know a lot. So I wanted to kind of have a background to really explain how the process works. Cause I feel like it's very empowering for them. And the two things that I know, like an N acetylcysteine. So that works as a precursor to get the cysteine. And then from that gets the body to produce glutathione. And then your product works through the skin and then is enveloped by the carbohydrates, right. Or the yeah,  **Dr. Nayan Patel:** is, it, it's, it's a polysaccharides is what we call 'em. And it's embedded inside that one. It's the, analogy I can [00:26:00] give you is that, hey if you need money, there's two ways to get money. One is I'll give you a job. You work at it. And you, you share your trades and then for the reward, I'll give you money. The second part is here's the money in your wallet. I'm not going to give you too much of it. I'm just going to give you enough to survive the rest. You still have to go make it yourself. Right. And so the second part, I give you enough to survive. Your body says to make the rest of the glutathione from the foods you eat and things like that. but a lot of people need, just need a little edge over everybody else. So I just give them extra glutathione to make sure that they are able to use up right now, because when you have a problem today, if you need the money today, and if you give you a job, I said, that's good, but I need the money now. I don't need money two weeks from now.  **Michelle Oravitz:** Yeah.  **Dr. Nayan Patel:** And so that makes it very, very useful. And in, in certain cases, I'm not saying that is good for everybody. What I am saying that is good for everybody, but the product may not be good for everybody,[00:27:00]  but having a healthier lifestyle, having the cysteine rich diet. Is absolutely a must I don't care what what age you are, right? That is absolutely a must So if you do that, if you have a healthy lifestyle, that means avoid the toxins that depletes the glutathione levels Having the diet that consumes that gives all the amino acids those two things combined Will will give you a fighting chance for long periods of time where you don't need any supplementations The supplementation is very good for people that need extra help or temporarily And then once your body gets under control then you can stop it, too **Michelle Oravitz:** Yeah. And then, so the couple of questions that come to my mind is you know, I'm, I'm a, also a big believer, obviously it sounds like it's doing something, but I'm also a big believer that like nature has a very a method for its madness. And I'm wondering, is there a reason why it's under such lock to allow um, glutathione in by itself, rather than having the body produce it? It was just [00:28:00] kind of like something that came to my mind.  **Dr. Nayan Patel:** know.  **Michelle Oravitz:** you were mentioning that. **Dr. Nayan Patel:** and you're right. I mean, the body is, is equipped to deal with, because any peptides that you, that the body can accept from outside sources can actually get embedded into your DNA. And so having the purity, what if you give somebody else's DNA inside your body? **Michelle Oravitz:** Right. **Dr. Nayan Patel:** Wow. Right. Think about it. Think about it. You're injecting somebody else's DNA. Some, some of the protein from something else that is not made by humans. The body is going to start going to cycle, react to it and say, Oh my God, what if well, we have vaccines right nowadays. What are the vaccines are proteins by outside of viruses, right? How about we use those embedded into our own DNA? So that's the, that's a scary part to me. And so that's the reason why a body does not allow anything from outside sources to get inside your body. It's very [00:29:00] very protective. Glutathione we do know is produced endogenously. It's inside your body, making sure that the glutathione the raw materials that we use Is of the highest highest quality. I would say 99. 99 percent pure is what we need. Otherwise, we just going to have a chance of making sure we have a chance that we can harm our body. And so just so for when I, when I first heard that in 2007, I quickly, I realized that I have to bring manufacturing in house. I can't trust anybody to do this for me. It literally took me eight years to build my own plant out small plant But just enough so that I can control every single thing making sure the water that I use is the highest quality Everything that goes inside is for the highest quality products. That's why I had to Ensure that so I brought everything in house. It was too costly to make it It's still too costly to make it and to [00:30:00] reduce the cost. I had to make sure that I I am, I'm going straight from the manufacturers to the consumers and there's no too many middlemen in between to reduce the cost down. And so we've been doing whatever it takes and you're right. The by doesn't take it. So having that technology to bypass this is somehow empowering that we can do that part. But it's scary is that we can use the same technology to, to hurt somebody too. **Michelle Oravitz:** Mm hmm. Yeah. Yeah. For sure. And thank you for answering that. And also, my question is, what have you seen in the research? Like, what have you seen short term, long term, because you, it sounds like you guys have been working with us for a long time, in the response of people's bodies and conditions. **Dr. Nayan Patel:** Absolutely. So just FYI of a human body gets everything gets, gets redone every 30, 60, 90 to 120 days. That means you get new cells in your bodies all the time.[00:31:00]  The body is constantly constantly making new cells, better cells so that you can rejuvenate yourself from inside out, right? So the body is, it's like you're having a house, constantly remodeling your house from inside all the time, right? So no matter what happens, if I make a hole in the wall, you know what, a few months from now it'll be a brand new wall again. I don't have to do anything, just have to wait and don't make it further damage the wall, right? And it'll be repaired by itself. So the body repairs itself. The issue is that. The glutathione can actually improve the repair process to the point where it repairs better. And you can feel the effects much, much faster. Now certain organs take them 12 to 18 months to repair. For example, liver, it takes a long time to repair. So, any, if you're looking for benefits for liver health that may take anywhere from 12 to 18 months. Even though if I have doctors I work with all the time and the doctor says, Oh, my, the liver function tests are coming normal. I said, just because the tests have [00:32:00] no, that doesn't mean the liver is normal, right? I guess you're right. Absolutely right. So they do ultrasounds. They do scans and things like that to figure that portion out. But again, it takes them 12 to 18 months to fix it. At a short term people when they have have issues with oxidative stress. The biggest issue I've seen is these are, these are people that have some gene mutations that cannot produce, they cannot conjugate and make enough glutathione. They have this brain fog that has been lingering on for decades, decades, right? For 10, 20 years sometimes. Of course, these are older people. These are not 20 year olds. And so they've been struggling and All of a sudden, they use a gluotide and about 15 minutes later, they can just see the, just brain just opens up. Now, it is not a, it's not a something to improve your memory. It's not this magic pill that you see in the movies. It's here, one pill, my brain just fires up and I'm, I can think and I can do anything I want to do. It's not that pill, it's a **Michelle Oravitz:** but I'm sure it can prevent things like Alzheimer's or things like that. Mm hmm, [00:33:00] mm **Dr. Nayan Patel:** well, Alzheimer's and Parkinson's and things like that as well. But in the short term, when people see the brain fog clears up, all it's doing is reducing oxidative stress. **Michelle Oravitz:** hmm. **Dr. Nayan Patel:** If you need to reduce oxidative stress, so I've seen results as much as 5 to 15 minutes. Up to two to four weeks in most individual And two three to six months in I would say 99 of the people they see some improvement in their health and wellness and they're most of them are working with the physicians So they're doing some blood tests before and after the doctors are saying what the heck you're doing I don't know what you're doing, but keep on doing it. It's very good for you. So  **Michelle Oravitz:** That's really interesting. And then also, if you were to get, you know, outside source of glutathione, the body feels the glutathione, will it make an impact on the body's own production of glutathione now that it feels that it has more. **Dr. Nayan Patel:** Absolutely. And the thing is [00:34:00] the the biggest concern that people have that hey What if if I take glutathione from outside sources with my body shut down his own production? And yes and no, I think the body probably may reduce the production, it probably will not shut it down because keep in mind when we're comparing, because most people have been burned by, hey, if you take steroids, your body will, it'll blow up like a balloon and because the body is not able to make its own regular, its own steroid production, which is true, which is 100 percent true. endocrine system is tightly regulated from your gonadal hormones, your pituitary and your ovaries and your testes and to the brain, which is the pituitary the hypothalamus, right? So they both work together, your brain tells your ovaries to produce the hormones, the ovaries produce the hormones, the ovaries cannot produce the hormones, The brain is going to keep on sending signals. Can you do more? Do more? Do more? Because I can't do anymore. I'm already tired. I'm burnt out. I'm just, I'm shriveled up. I can't do anymore. Right? Versus if you [00:35:00] take a hormone from outside sources, it affects straight to the pituitary. And the pituitaries will shut down and say, Hey, no more producing hormones. You got too much. I don't know where it's coming from,  but  **Michelle Oravitz:** like a thermostat,  **Dr. Nayan Patel:** Right? It's a negative feedback. But when it comes to glutathione, glutathione is not triggered by any brain or hypothalamus. Glutathione is taking three amino acids together, two enzymes, two molecules of ATP, which is energy, and one molecule of NAD for electron transfer. All this to come together to make glutathione. Right? Now this same energy, ATP energy, NAD energy is being used in thousands of chemical reactions that happens every single day. So keep in mind, if your body does not have to produce glutathione, your energy is never wasted. It's used to do other reactions all day long. But the good thing is that glutathione is by far the most abundant molecule produced in the human body. [00:36:00] And after a couple of weeks or so, the body is saying, hey, everything is not working great. Now for two weeks later you see some increasing energy because now the energy is is Getting excess and your body goes. Oh my god. I have excess energy now all of a sudden. It's not a car It's not a caffeine type energy It's not like jumping up and down type of energy, but you do feel good from inside out Right. You do feel good. And all of a sudden you pick up other habits, walking, jogging, cycling, you know, or just going out and just, you just have this, this energy inside your body that you want to do other things. You just feel alive from inside. And so, and then when you stop the glutathione, the body says, okay, oh, should we have, we need more glutathione. So the first energy goes towards producing glutathione, but if you have enough glutathione, that energy has been used to produce other peptides. Keep in mind, a muscle needs what? 6, 100 amino acids coming together. Takes a lot of energy to produce muscle fiber. So if you're not [00:37:00] using the energy to produce glutathione, hey, hopefully it goes to producing more muscle mass. I'm hoping for that. **Michelle Oravitz:** Yeah. . And is there like a limit on how long you should take it? you know, is there a limit that you have? **Dr. Nayan Patel:** So, I do know that your body needs glutathione until the last day you die. So, until that day, you have to take it. After you're dead, I'm not sure if your body needs glutathione or not. So, that's a joke. I'm sorry. But your body needs glutathione to survive. Every single day. So the needs are going to be the endless. the better question to me is that do I need to supplement every single day of my life? That's a way better question for me to answer is to that that question came to me in my mind long time ago as well. And so what I have found out is that the body needs glutathione. to survive. Your body has the ability to produce glutathione, plenty of it on a daily basis. And what I found in [00:38:00] my research that up until about the age of 30, there is no need for any supplementation. None. Improve your diet, reduce your exposure to toxicities. You should be fine. **Michelle Oravitz:** Right?  **Dr. Nayan Patel:** Between 32, 35, if you have a healthier lifestyle, don't drink alcohol. Don't expose yourself to heavy levels of toxicities. Don't do sunbathing a whole lot. And having a very clean diet, you might still be okay. 35 to 40, I would say 80, 90 percent of the people may need to supplement gluathione, over 40, I have yet to find somebody who has normal levels of gluathione and so the question that I ask is, Hey, what's Well, my mom in the fifties and sixties never had to use a gluathide, and she lived for long periods of time, so why is it today, right? But keep in mind, at that time, sixty years ago, maybe the world population was three billion, now we are eight billion population. And who are the biggest polluters in the world? Is it the [00:39:00] animals or the humans? **Michelle Oravitz:** Humans. **Dr. Nayan Patel:** Humans. Animals don't even wear clothing. They don't even do anything. They don't have to build any houses and, and destroy the world. They just live, enjoy the world and leave the world the way it was when they came in. Us humans wants to fly, wants to build a hundred story buildings and wants to drive cars and wants to do all kinds of things. So we are the biggest polluters and the pollution has literally what more than doubled in the last 60 years. So if we say that the, the modernist society is polluted, the answer is absolutely yes. And it's not, it's not like we are turning the tables and we're going on the other way around. So like it or not, nobody's willing to give the modern day conveniences at this point. They don't, they're not going to do that part. So the question is that yes, Maybe my mom did not need gluten until the age of 50 or 60 [00:40:00] maybe. That's dropped down to 30, 35 or 40 at this point. And I'm scared for my kids because they may need glutathione at the age of 25 That's that's not a good thing to do, but it's just just telling us that our memory is getting more and more polluted and we need to figure out every single thing that we can do to enhance our body to stay clean from inside. **Michelle Oravitz:** And is there a benefit to taking N acetylcysteine as well as the, the skin,  um, supplementation?  **Dr. Nayan Patel:** okay, so NAC or cysteine so there are about eight essential amino acids that you have to take every single day Cysteine is not one of them Cysteine, Glycerine, and Glycine. Those are the three amino acids that's used to produce glutathione. Those three are not even in the part of the eight essential amino acids. So if you take cysteine and the glutathione topical version that we have, the cysteine is not going to be used up to produce glutathione at all. It may be used up for some other components, but not for [00:41:00] glutathione. I would suggest that if you're doing that part, then save your money and just improve your diet, right? If you have the money, I would rather you invest in those eight essential amino acids. Those are much better to do that, like Lucid and Proline. And so those are much more better to for you to use it on a daily basis. I'd rather you spend the money on that than to spend the money on the SysTeam. **Michelle Oravitz:** Got it. And then what are some of the foods and, that you would recommend for the glutathione diet? **Dr. Nayan Patel:** Michelle, I've been told not to advise people on diet **Michelle Oravitz:** Okay. Thank you **Dr. Nayan Patel:** is worse than the religion and politics. So I'm going to tell you one thing. All right. So everybody has a, has an AI robot. Everybody has access to AI robot. Go type it up.  Sistine rich foods. **Michelle Oravitz:** Sistine Richards **Dr. Nayan Patel:** You're going to get your vegan choices, vegetarian choices, carnivore, [00:42:00] paleo, Atkins. I don't know what a longevity diet. I don't know. Don't die diet. I, I don't know. There's so many diets out there right there right now. All these diets are going to be satisfied if you just type in the word system food and see what food are you willing to eat and make and have a variety of foods from that list that you consume on a daily basis. Like what's in that list? I, you know, on an everyday basis, every single day.  **Michelle Oravitz:** Yeah **Dr. Nayan Patel:** in there, asparagus in there, there's oysters and chicken and turkey. And I mean, you can name it, right? There's so much stuff is in there that you can consume. It's not a small list, right? But you have to make it a part of the routine. But that's just one thing. That's just one thing. The second part, which is utmost important, is limit. Limit your exposure to toxicities, **Michelle Oravitz:** yes true [00:43:00] Oh, **Dr. Nayan Patel:** pure. Right is important and because of that guess what my technology I even dove into the skincare as well because because most of my customers were females. Well now they are like 50 50 today But at that time all my customers female and they look at the technology and say hey Can you give me all the antioxidants for my face as well? I said sure. It's that's easy, right? So I just went got all the antioxidants and I said, okay Put it squeeze the size right so I can shove a whole bunch of stuff into this couple of products And so I have like seven or eight different antioxidants in full concentration and some are even more in like two creams right And then two of the serums I give like 10x of what you what you get from any of the products in the marketplace today so I give you a vitamin c and glutathione in a very high concentration to your skin Gets your skin completely disperses really really fast and gets gets to the all the skin in your whole body And so anyways, so I did that [00:44:00]  **Michelle Oravitz:** if you do that, To your face, is that the same thing, the same technology that will get glutathione in your cells? So it's kind of like two in one? **Dr. Nayan Patel:** So it is, it is it's the same technology, but what we have to done is we have to identify the speed and how deep I want to go inside. So the skincare is more  for,  **Michelle Oravitz:** different. It's more  **Dr. Nayan Patel:** yeah, but I would always say that if you're using both that do not double up, do not double up, right? If you're using both that your skincare routine, as is the way it's been introduced to you, and then just add on the, the top of glue that just once a day. **Michelle Oravitz:** I  **Dr. Nayan Patel:** And you, and you still get the, I mean, you get full benefit. That's the ultimate Longevity hack is what I call them, right? Cause the beauty is inside out. The ultimate longevity hack is you do the full skincare routine and just do once a day of the glutathione. If you don't do the skincare routine, just the glutathione twice a day is, is, is, is what you need. That's an ultimate bio is, [00:45:00]  **Michelle Oravitz:** Oh, that's great.  **Dr. Nayan Patel:** I have. **Michelle Oravitz:** Well, listen, I mean, I'm curious. I'm sure people listening are very curious, how can we find out more? How can we buy this stuff and get ahold of it? **Dr. Nayan Patel:** Absolutely. So, my website is oral wellness. com. A U R O wellness. com. Go to the website. There is a two part on the top is skincare and wellness. Otherwise you can go to oral skincare. com as well. The same thing. My urge is that if you are any of this patients that is Not able to give up monitor conveniences or you may suspect that you may have low glutathione levels I would probably strongly suggest you try it for 30 days It is,  we do offer a hundred percent, a hundred percent money back guarantee. We don't charge shipping and handling. We'll refund you everything, right? We will, we will do full refund of everything. Cause I just want people to try it out. And once you try it for 30 days and if you see slight benefit of [00:46:00] it then it's the best thing that can happen to you for the rest of your life. It's one thing that I have, I have customers for now for 17 years, since the first we discovered this product. That will, that's like a, it's a go to product in the arsenal. It's like, it's always there. And I'll tell you, I'll give you another analogy right now, because I wanted people to really understand what this is, because as you age, your body is deteriorating, is diseased, and it is, is, is breaking down, right? It's like. You go to your, when you go to your home you leave your door open. And as soon as I leave the door open, the dust, the wind blows the leaves inside. And so what you do is you bring your vacuum out or your, or your broom out and start sweeping and guess what? There's more dust and more leaves coming out. Right? So what do you do? I'll say, Oh my God, I forgot to close the door. Once you close the door, you can literally clean the whole house from inside and make [00:47:00] it brand new again. Right? Oxidative stress, oxidative stress, production of free radicals is the opening of the door analogy in your body. Oxidative stress is not doing anything, but it's allowing every single thing to come inside your body. And destroy the body from inside and unless you block that and close it up You cannot buy your body does not heal from inside, right? So the glutathione is actually closing the door is actually closing the door and then allowing your body to what to start getting? Cleaned up from inside and start repairing itself inside So at the bare minimum at the bare minimum if you do for four months You're going to have every single day Products in your body, every single cells, organs, every single thing you're going to have allowed them the chance to [00:48:00] regenerate self. **Michelle Oravitz:** Yeah.  **Dr. Nayan Patel:** after four months, yeah, it's after four months, it's like game over. So I have people that even today's they, they said, I know what I have to do. It's just that I just keep on forgetting. I said, that's okay. You know, close the door first. You know, it's, it's no fun sweeping and wrecking your house every single day. **Michelle Oravitz:** No, no, it's not. I agree. Wow. This is amazing. Really, really fascinating information. I just love the fact that you have a background from, from ecology. I mean, that you understand it really from the inside out and that you were able to apply technology and really understand it from your perspective and that you had these ideas to create a product like that, that's really cool. **Dr. Nayan Patel:** and I, I wish I had this product when we were going through our early on in my life because my wife had a hard time conceiving and it took us nine years to have a first son. Yeah, and it's not that we were trying for nine years. It's just that [00:49:00] after marriage, it took us nine years to have the first son and we only tried for maybe about a couple of years before. And then. We did, I think we did one, one, I think two IVF cycles. And I said, this will be the last one. We'll never do it again because I know the damage it causes to the human body. And I wasn't the one suffering, but I know it was going to destroy her body for the rest of her life. So I was not willing to put up with make her go through the process, even though it was like something that is so blissful to you, right? When you have a kid. So, yeah, we did all the traditional because I was pharmacist. I knew I'll do all the hormone therapies. I did all the hormones correctly. Everything was just fine, but she just was not producing any follicles. The follicles were there, but they're not producing any eggs. I knew that it was oxygen stress, but at that time I had nolu thi product in me. And So uh, it is just so unfortunate, right? But today you have that if you are a young person that is trying to conceive you have this thing, [00:50:00] at the very least, just use it for a few months. It gives it by the chance. And and, and hopefully you have a healthy baby. That's, that's always my **Michelle Oravitz:** Yeah, that's the hope. Yes. And sending all of that good, good energy and good thoughts to everybody listening. So thank you so much, Dr. Patel for coming on. This is a great conversation. I will have all the links to the website and everything in the episode notes for people to view if they want to stop, stop the car and then go look, but thank you so much for coming on today. This is a great conversation. **Dr. Nayan Patel:** Appreciate your time today. It's my pleasure to be here today. Thank you. [00:51:00] [00:52:00]