Podcasts about IMA

One of the Birkot Ha'shahar is "Ha'noten La'sechvi Bina La'havhin Ben Yom U'ben Layla." The common translation of this blessing is, "…who gives the rooster the understanding to distinguish between day and night." According to this understanding, this Beracha praises G-d for granting the rooster the wondrous ability to know that dawn has occurred, when the first rays of light appear on the eastern sky. The moment of dawn is not readily discernible to the naked eye (as opposed to the sunrise, which is clearly seen), and yet the rooster has the ability to know when this occurs, and to crow to wake people up. Others, however, interpret the word "Sechvi" to mean "heart." According to this understanding, the Beracha "Ha'noten La'sechvi Bina" thanks Hashem for giving us human beings the wisdom of distinction, to differentiate between day and night, between right and wrong, and between truth and falsehood. The Arizal advanced a deeper understanding of this Beracha, according to the teachings of Kabbalah. He said that at night, when dark falls, strict judgment descends into the world, which poses danger. For this reason, the Kabbalists in earlier generations would go to sleep right at nightfall. At Hasot (Halachic midnight), the Arizal taught, the judgments become "sweetened," and are less strict. This process unfolds gradually until morning, when the attribute of Hesed, divine kindness, prevails. Therefore, the righteous Kabbalists would arise at midnight and pray until the morning. The Arizal explained on this basis why we find two Hebrew words for nighttime – "Layil" and "Layla." The difference between them is the letter Heh, which is added to the word "Layil" to form "Layla." In Kabbalah, the letter Heh signifies a sphere called "Bina" (literally, "understanding"), which is also called "Ima" – "mother." A mother, even when she needs to deal strictly with her children to educate them, always feels a significant measure of love and compassion toward them. The term "Layla," then, which ends with the letter Heh, refers to the second half of the night, when the strict judgments are mitigated by love and kindness. The word "Layil" refers to the first part of the night, when the judgments are as yet unmitigated. The Arizal explained that in the Beracha "Ha'noten La'sechvi Bina," we refer to the angel Gabriel, whose name signifies the attribute of "Gebura" (literally, "power"), which is associated with strict judgment. Starting at Hasot, Hashem lends Gabriel the quality of "Bina," sweetening the judgments until morning. (Needless to say, these are very deep concepts which lie beyond our comprehension and require further study.) Ashkenazim recite a slightly different text of this Beracha – "Asher Natan La'sechvi Bina La'havhin Ben Yom U'ben Layla," based on a verse in the Book of Iyob ("O Mi Natan La'sechvi Bina" – 38:36). This version is formulated in past tense, praising G-d "who has granted" this wisdom. Sephardic tradition, however, teaches that this Beracha, like all the morning blessings, should be recited in the present tense. The Aruch Ha'shulhan (Rav Yehiel Michel Epstein of Nevardok, 1829-1908) explains that Birkot Ha'shahar are formulated in the present tense because Hashem creates the world anew at every moment, and thus all the phenomena for which we praise Him in these Berachot are occurring right now, at this very moment. As we say in the morning prayer service, in the first Beracha before Shema, "Ha'mehadesh Be'tubo Be'chol Yom Tamid Ma'aseh Bereshit" – Hashem constantly renews the act of creation, each and every day. A human being who creates – such as a carpenter, who produces a piece of furniture – makes his creation and then leaves it and completely disengages. Hashem, however, did not create the world just once – He is constantly creating it anew. Thus, we thank Hashem who is granting us the ability to see at this moment, who is giving us clothing to wear at this moment, who is giving us the ability to stand up straight at this moment, and so on. This fundamental concept has crucially important ramifications for our Emuna (faith), our belief that situations can change. No matter what we're going through, whatever problem or crisis we're facing, we need to believe that the current moment is not connected to the previous moment, and the next moment in the future has no connection to the current moment. Hashem is constantly creating anew, and so at any moment in time He can create an entirely new reality. A deaf person recites this Beracha, even though he cannot hear the rooster's crow in the morning, for several reasons. Firstly, as discussed, this Beracha has a number of different meanings, and does not necessarily refer only to the crowing of the rooster. Additionally, Halacha follows the opinion that Birkot Ha'shahar are recited to thank Hashem not for one's having personally experienced the phenomena mentioned in these blessings, but rather for the phenomena themselves, for the very fact that Hashem has made them part of the natural order. Hence, even if a person does not personally benefit from the crowing of the rooster, he is required to praise Hashem for making this happen each morning.

Pionirski dom – Center za kulturo mladih ponuja kulturno, umetniško in jezikovno zunajšolsko izobraževanje otrok, mladine in odraslih. Ima bogato zgodovino, saj deluje že od leta 1963, letno pa ga obiskuje več kot 1400 tečajnikov. Tudi njihove poletne šole so dobro obiskane. Poletnemu programu Pionirske glasbene šole: Muziciranje z Ano Vipotnik in Igorjem Leonardijem, ki ga ta teden obiskuje živahna skupina otrok, se je pridružila Lucija Vidergar in preverila tamkajšnji utrip. Bere Andreja Čokl.

Never miss another webinar! Sign up here: https://imahealth.org/weekly-webinars/Learn more: https://imahealth.org/dark-side-of-ssri/Selective serotonin reuptake inhibitors (SSRIs) are some of the most commonly prescribed drugs in the world. But what if the story we've been told about them is incomplete… or even dangerously misleading?This week, IMA President Dr. Joseph Varon is joined by IMA Chief Scientific Officer Dr. Paul Marik and special guest Laura Delano, author of Unshrunk: A Story of Psychiatric Treatment Resistance, for a raw and revealing discussion on the hidden harms of SSRIs. Drawing from her personal journey through—and out of—the psychiatric system, Laura sheds light on the dangers of overdiagnosis, the suppression of emotional suffering, and the pharmaceutical narratives that continue to shape mental health care.As RFK Jr. and other public health voices begin to question the influence of psychiatric medications, this timely conversation examines identity, informed consent, youth mental health, and whether psychiatry needs reform—or a total rethink. Whether you've taken these medications yourself, are currently questioning a diagnosis, or simply want a deeper understanding of the risks and realities, this is a conversation that demands your attention.URL: https://imahealth.org/dark-side-of-ssri/Keywords/Tags: ssri dangers• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

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"Ima ljudi čiji su životi osobito pogodni da se iskažu kroz cvjetiće. Prepuni su jednostavnih zgoda s dubokim porukama. I samo jedna zgoda, jedan cvjetić, nerijetko uspijeva snažno, gotovo u punini, izreći njihovu osobnost, njihov život, njihov odnos prema Bogu i ljudima." Stjepan Lice

Never miss another webinar! Sign up here: https://imahealth.org/weekly-webinars/Learn more: https://imahealth.org/doctors-against-pesticide-liability-protection/The same playbook that shielded vaccine manufacturers from accountability is now being deployed across America's state legislatures—this time to protect pesticide companies from liability. As courageous physicians like IMA Senior Fellow Dr. Brooke Miller and longtime advocate Dr. Meryl Nass sound the alarm, a coordinated industry campaign is quietly advancing legislation that would make EPA-approved labels the final word on pesticide safety, effectively blocking Americans from seeking justice when harmed by these chemicals.Join Dr. Ryan Cole as he hosts this critical conversation exploring the disturbing parallels between vaccine and pesticide liability protections. With several states having already passed or considered these "liability shield" laws, and similar legislation advancing across the country, time is running short to expose this corporate power grab. While Bayer faces billions in Roundup settlements and tens of thousands of pending lawsuits, will Americans lose their fundamental right to hold manufacturers accountable for toxic exposures? The implications reach far beyond the courtroom and into the heart of medical freedom and corporate responsibility.URL: https://imahealth.org/doctors-against-pesticide-liability-protection/Keywords/Tags: pesticide liability protection• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

We start with AI: Where have Insight teams moved to in their adoption of AI tools? How do they feel about that adoption? How can we learn from each other as we all explore new tools?Then we look at the roles which we think are going to be increasingly important for Insight people in the future, starting with the role of ‘foresight pioneer'. Most Insight teams include some foresight work in their Insight product mix, but we don't always name it, give it sufficient attention or know how to get our organisations to act on it.And how critical is it at this moment to embrace change? The recent Client Sight 2025 research in the UK showed that most corporate Insight professionals intend to stay in the sector, but job satisfaction could be higher and there is a widespread desire to feel more valued. But the problem as James sees it is that there is no value in Insight unless it is utilised and recognised by senior management. That's a challenge we need to address as individuals and teams within our companies.We can't necessarily predict the organisational roles, the job titles or reporting lines of the future, but we can think about the behavioural roles which it's becoming increasingly evident we need to embrace. As well as foresight pioneers, we discuss the roles of growth consultants, Insight influencers and knowledge stewards. The need for the latter will grow and grow as the range of data and sources accessible through AI expands.Finally, we look at what's coming up at the next Insight forums. In September we'll discuss the evolution of Insight comm's, in October at the career path of Insight leaders, and in November we'll delve into more detail on those Insight roles of the future. Topics DiscussedUpdate on Insight teams' adoption of AI (01.30)Our ambition to see Insight teams as foresight pioneers (9.43)Where is the Insight sector in 2025 and what new foundations do we need? (16.55)The critical Insight roles in an AI-shaped future (24.45)What will the IMA research next? (34.03) Please listen to find out more! This is episode 76 of the Transforming Insight podcast. If you have the ambition to transform your Insight team and the role it plays in your organisation, please tune in to future episodes. Not only will we explore the 42 secrets of successful corporate Insight teams as outlined in the Transforming Insight book, we will also talk to senior corporate Insight leaders, delve into books that have inspired us, and discuss new best practice research carried out with the IMA's corporate members.You won't want to miss this! So please subscribe - and thank you for listening.  About James Wycherley, the author of Transforming InsightJames Wycherley was Director of Customer Insight and Analytics at Barclays Bank from 2005 to 2015 when he became Chief Executive of the Insight Management Academy (IMA). He published his first book, Transforming Insight, in 2020, and his second, The Insight Leader's Playbook, in 2025, and he hosts the Insight forums and the Transforming Insight podcast.An entertaining keynote speaker, he has presented over 50 times at Quirk's events, a global record, and has provided thought leadership in the UK, USA, Europe, Canada, Australia, India and the Middle East.The Insight Management Academy is the world's leading authority on transforming corporate Insight teams, and its vision is to inspire and support every Insight leader to transform the impact of Insight in their organisation. Resources:If you would like more information on any of the ideas discussed in this episode of the Transforming Insight podcast, please visit www.insight-management.org DisclaimerThe Transforming Insight podcast is published by the Insight Management Academy and produced by Zorbiant.All rights reserved.   

Pred študijem ga je zanimalo strojništvo, pa tudi literatura. Gospod Marko Nemec Pečjak se je vendarle odločil za prvo in tako postal prvi strojni inženir, ki je leta 1968 napisal diplomo na računalniku. Ima večdesetletne izkušnje iz podpore projektnemu menedžmentu. Od rok pa mu ne gre le strokovno pisanje, ljubezen do literature je ostala, rad piše poezijo. Lani se je odločil sodelovati na natečaju Mestne knjižnice Ljubljana v sodelovanju s knjižnicami Osrednjeslovenske regije. V okviru naslova Zgodbe mojega kraja so sodelujoči pisali o prvi ljubezni. "Dedek in babica" je naslov zgodbe Marka Nemca Pečjaka, ki se je uvrstila med deset najboljših. Gospoda Nemca Pečjaka je na pogovor povabila Lucija Fatur.

S 1. avgustom se zaključuje moja pot na Bloomberg Adria, kjer sem bila zadnje štiri leta odgovorna urednica slovenskega digitalnega uredništva in hkrati urednica regionalne vertikale Finančni trgi. Ponosna sem tudi na izjemno logistično zahteven projekt, ki sem ga postavila kot odgovorna urednica revije Bloomberg Businessweek Adria. Bilo je zanimivo, intenzivno, hvaležna sem za izkušnjo. Hvala ekipi, ki je zagnala projekt. Ekipi, ki zdaj vodi projekt, želim vse najboljše. Po 20 letih dela "za druge" enostavno čutim, da je zdaj pravi čas, da "delam za sebe". Tu ni omejitev, kaj smeš in česa ne. Ni omejitev v razpolaganju s časom, denarjem, znanjem, izkušnjami … Preprosto je svoboda. Meja je nebo. Kjer ni omejitev, ni stabilnosti in so večja tveganja. Toda, tako kot pri investiranju, kjer praviloma ni garancij, je tudi v življenju treba obvladovati tveganja. Kako? Da lahko živite, tako kot želite, je med drugim dobro imeti finančno zaledje, da ko ali če padete, pristanete na blazini. Varčujte, investirajte, bodite proaktivni. V zadnjih 20 letih sem investirala tudi do dve tretjini svoje plače oziroma dohodkov. Plača že dolgo ni moj edini vir dohodkov, pač pa le eden izmed. In ko plača ni več najbolj pomembna postavka na TRR, je to še en od signalov, ki ti kažejo, da je čas za spremembe. Velikokrat slišim: "Ko bo prišel pravi čas, za to ali ono, bom … (zamenjal službo ali partnerja, odšel na svoje, imel otroka, vzel sabatikal … )". Toda, naš čas je omejen, zakaj ga zapravljamo. Vsem, ki soustvarjate in spremljate Money-How, iskrena hvala. Tokratna epizoda je nastala 22. maja na dogodku Money-How Live, ko sem bolj podrobno pojasnila svojo odločitev. Epizoda je objavljena tudi na Youtube. Podprite Money-How preko članstva na Youtube članstvo Investicijski bootcamp za mlade (od 17 do 21 leta) Darilo z dodano vrednostjo ob koncu/začetku šolanja in ob vstopu v polnoletnost. Kaj sem naučila svojega 18-letnega sina Marka o vlaganju na dolgi rok in upravljanju denarja? Število mest je omejeno. Datum: 21. avgusta v živo Več informacij www.money-how.si Boot Camp v živo: Investiranje – kako sploh začeti Že dolgo razmišljaš o vlaganju in ne veš, kje in kako začeti? Nimaš energije, da bi raziskoval vse podrobnosti. Skrbijo te davki? Presekaj in se nam pridruži v živo, kjer bomo skupaj naredili prvi korak v svet investiranja! Delavnica je neodvisno pripravljena, kar je redkost v današnjem času :) Lokacija: Ekonomska fakulteta Datum: 17. september Čas: 17:00–20:30 Pridruži se skupnosti Discord Money-How Obišči spletno stran Money-How www.money-how.si Imaš vprašanje? Piši mi na marja@money-how.si

Piše Leonora Flis, bereta Aleksander Golja in Maja Moll. Mimi Podkrižnik ima dolgoletno kariero v novinarskem poklicu, poleg tega prevaja iz francoščine in piše literarna besedila. Kot novinarka je poročala zlasti o Španiji, Franciji in Portugalski. Roman Čista sreča je posrečen, ker je navidezno razigran – do neke mere – in skozi svoj specifični humor ali bolje satiro, zabava, vendar je obenem tudi razplasten, poglobljen in tragičen. Avtorici je poznavanje novinarske scene v Sloveniji in širše brez dvoma pomagalo pri oblikovanju zgodbe, ki ni omejena le na slovenski prostor, ampak sega vse do daljne Afrike. Pravzaprav je to zgodba o človekovi naravi, o sistemih, ki ljudi oblikujejo v pohlepne, zaničevalne, seksistične in obenem strte ljudi. Vrlina romana je tudi v tem, da pripovedovalec oziroma pripovedovalka, ki ima občasno precej intelektualno držo, ne izreka moralne sodbe ali odkritega vrednotenja dejanj protagonistov in protagonistk. Zgolj opisuje, našteva, prikazuje, vodi nas skozi dogajanje, ki ga spremljamo od konca proti začetku, z vmesnimi dnevniškimi zapisi glavnega (anti)junaka Janeza Miroviča ali Johnnyja Afriškega. Janez je legenda v novinarskem svetu, dopisnik iz Dakarja, ki si je ustvaril brilijantno kariero, ob kateri je začel graditi tudi paralelni posel – gojenje banan. V Afriki je namreč lastnik plantaže, zaradi katere se, kot pokaže zgodba, morda zaplete (vede ali nevede) tudi v nečedne posle, povezane z belim prahom. Ima družino in uživa ugled. Vse dokler ga ob menjavi vodstva na televiziji ne odpokličejo z mesta dopisnika in mu dodelijo mesto v notranjepolitični redakciji, kjer pa se Johnny, ki počasi postaja ‘Janez Kranjski,' ne znajde najbolje. Propadata mu družina (žena in oba otroka se sčasoma vrnejo v Afriko) in kariera. Janez se oklepa svojih starih vzorcev delovanja – kot so arogantnost, podkupovanje, seksistične opazke in geste na delovnem mestu, izsiljevanje. Vse to je morda nekoč delovalo, zdaj pa takšno ravnanje deluje le še na najvišjih, nedotakljivih, državnih nivojih. Dvoličnost, dvojni standardi in razkroj vrednot bi lahko izpostavili kot temeljne teme v romanu. Kriminal, ki je vsem na očeh, ostaja nekaznovan, vendar nikakor ne moremo reči, da Johnnyja, ki je vsaj na videz manjša riba, karma ne udari. Poleg Mirovičev velja omeniti še družino Ratnik – Tomaža, docenta, ki mu domače akademsko okolje ne diši več, in Žanko, prekarno novinarko, ki se odloči, da bo postala vlogerka. Janez začne Žanko nadlegovati, siliti vanjo in ustrahovati družino Ratnik. Zapletena dinamika med družinama, zlasti med Janezom in Žanko, se zaostri do te mere, da se Ratniki odločijo za selitev na Portugalsko. V ozadju so tudi drugi razlogi, saj Žanka izkaže veliko zanimanje za Portugalsko že pred poslabšanjem odnosov z Janezom, in Tomažu reče: “Midva sploh ne napredujeva, midva nazadujeva … začela se bom učiti portugalščino.” Pred tem pa beremo: “Odkar se je zlasti na spletnih omrežjih neumnost delala, da je pametna, so bile relevantne družbene teme docela potisnjene v ozadje. In tako je posebej Žanka imela občutek, da s Tomažem, ki se je s knjigo ali zapiski za predavanja v roki vedno bolj umikal na teraso in si tam nekontrolirano prižigal cigarete, nista le neznatni kaplji v brezdanjem oceanu, ki bučno valovi, ampak poslednji kaplji v luži anemičnega humanizma, ki bo vsak trenutek presahnila.” Ko prispejo na Portugalsko, Ratniki spoznajo gospo Diamantino, ki je preživela režim diktatorja Salazarja, v času katerega se je naučila molčati, tudi takrat, ko so bile storjene krivice. Diktat moči, prevlade, agresije je vladal nekoč in vlada še danes. Kljub temu pa toplo južno okolje prinaša tudi mir in zadovoljstvo. Žanka šele na Portugalskem začuti nekaj, kar je blizu sreči. Če se je prvi smejal Janez Mirovič, zadnji smeh pripade njej. Po sestanku s Portugalko Paulo, ki naj bi njo in Tomaža uvedla v tamkajšnjo “digitalno nomadsko sceno”, beremo: “Žanka se je nasmehnila in pomahala v pozdrav. Nato se je začela smejati in se je smejala in smejala in smejala, nato je prasnila v krohot in se krohotala, pa se spet smejala in še naprej smejala, tudi ko Paule že zdavnaj ni bilo nikjer več. To je bil smeh blaženosti, iz čiste sreče.” Konec romana še enkrat naplavi Janeza, ki nemirno pluje na ladji norcev. Krog je tako sklenjen.

Dans cet épisode des Lève-tôt, Ingrid Falaise livre un témoignage poignant sur l’injustice d’un procès qui a brisé une femme, dénonçant le silence imposé aux victimes. Dominic Arpin partage ses astuces pour mieux dormir grâce aux bruits blancs, tandis que l’équipe débat de la pilule contraceptive masculine et de l’égalité des responsabilités. Ima revient sur sa renaissance après une maternité monoparentale difficile, portée par la musique et l’écriture. Enfin, Léa Stréliski raconte avec humour son désordre post-déménagement, révélant qu’elle s’est lavé les cheveux avec du shampoing pour chats pendant un mois. Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

Never miss another webinar! Sign up here: https://imahealth.org/weekly-webinars/Learn more: https://imahealth.org/dr-kirk-moore-ethics-of-mandates/What happens when a doctor prioritizes his oath over government policy?This week, IMA Senior Fellow Dr. Kat Lindley hosts a powerful conversation with Dr. Kirk Moore, the Utah-based physician recently cleared of all charges after being accused of falsifying COVID-19 vaccine records. In this wide-ranging interview, Dr. Moore shares his personal story and explains what led him to stand against federal mandates during the pandemic.Together, they examine the deeper questions around the ethics of mandates. What happens when medicine becomes beholden to bureaucracy? From the collapse of informed consent to the growing threat of censorship and coercion, this webinar explores why the doctor-patient relationship must always come first.URL: https://imahealth.org/kirk-moore-ethics-mandates/Keywords/Tags: ethics of vaccine mandates, vaccine mandates, medical freedom, dr kirk moore• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Clare and I shared a stage at Quirk's London in May, and we were reflecting on the amount of disruption in the corporate Insight world at this moment. Reorganisations, budget freezes, headcount cuts, senior roles disrupted… we're seeing it all.And – spoiler alert for next week's roundtable episode – I personally don't think this period of change is going to end any time soon.In this environment, it's particularly important to reflect on our Insight team's output, because it's the output that you will usually be known for. It's what will largely dictate other departments' views of Insight itself and the role we could play.Clare is a great advocate for ‘Insight productisation'; identifying our core outputs, structuring them, packaging them, branding them, using test and learn to see how they land, then developing a comm's plan to encourage more stakeholders to engage with them. She has also always had KPIs in place to measure each Insight product's success – usually its return on investment. Topics DiscussedInsight teams and product optimisation (00:09)Transforming Insight teams through productisation (08:50) Product differentiation (15:19) Strategic Insight management for impact (20:40) The future of Insight teams (28:39)  Highlights“Businesses are constantly having to anticipate change. Now they're having to think forward. They're having to react quickly, get on the front foot and navigate change, and COVID made that business as usual.” (05:14)“Another part of my role was developer cap innovation, so we were quite specific on exactly what we were doing, what the products were and how we were taking best practice from design, research and various other things agile work to productize what we needed to deliver.” (14.51)“So it was initially targeted at the board, but then that became the consistent knowledge base and fact pack for the rest of the business and it was a Halo product because the KPIs that had been identified within it were then the things that we tracked and we reported onto the business on a monthly basis.” (21.14)“I think my other advice would be to embrace AI and use it to empower you. There is nothing more empowering than being able to do insight faster, quicker and enabled by tech.” (25.52) Please listen to find out more! This is episode 75 of the Transforming Insight podcast. If you have the ambition to transform your Insight team and the role it plays in your organisation, please tune in to future episodes. Not only will we explore the 42 secrets of successful corporate Insight teams as outlined in the Transforming Insight book, we will also talk to senior corporate Insight leaders, delve into books that have inspired us, and discuss new best practice research carried out with the IMA's corporate members.You won't want to miss this! So please subscribe - and thank you for listening.  About James Wycherley, the author of Transforming InsightJames Wycherley was Director of Customer Insight and Analytics at Barclays Bank from 2005 to 2015 when he became Chief Executive of the Insight Management Academy (IMA). He published his first book, Transforming Insight, in 2020, and his second, The Insight Leader's Playbook, in 2025, and he hosts the Insight forums and the Transforming Insight podcast.An entertaining keynote speaker, he has presented over 50 times at Quirk's events, a global record, and has provided thought leadership in the UK, USA, Europe, Canada, Australia, India and the Middle East.The Insight Management Academy is the world's leading authority on transforming corporate Insight teams, and its vision is to inspire and support every Insight leader to transform the impact of Insight in their organisation. Resources:If you would like more information on any of the ideas discussed in this episode of the Transforming Insight podcast, please visit www.insight-management.org DisclaimerThe Transforming Insight podcast is published by the Insight Management Academy and produced by Zorbiant.All rights reserved.   

Ima je u vodi, hrani, odeći, atmosferi, svuda oko nas. Dok slušate ovaj podcast možda u ruci imate nešto od plastike ili na sebi odeću od poliestera? Plastični otpad je u prirodi, pune su ga šume, reke i okeani. Poseban izazov za okoliš i zdravlje živog sveta predstavlja mikroplastika – nastala erozijom ili razgradnjom materijala. Ona je i u organizmima živih bića. Koliko je to opasno i da li je moguće odbraniti zdravlje od plastične pošasti? To su pitanja kojima se bave Saša Bojić i Maja Marić. Von Sasa Bojic.

Learning from Rebbe Nachman ben Faiga / Simcha Likutei Moharan 38 5, we appreciate 3 special gifts Rashbi brings: Torah, Eretz Yisrael, and Olam Haba, all acquired with challenges, etc... The Zohar Hakodesh clarifies that the gift of having an Ima, Binah, and an extra Understanding aspect of Tefilin all are upon the son, revealing the Glory & Heavenly Protection. Just like this, Parsha Masai helps us understand divine providence and the Journey we are all on...Cover Pic The Holy Mother, my soulmate, hugs our beloved oldest son Boruch Yitzchak ben Masha after returning from the war in Gaza (also Lebanon and Iran). I am Dedicated to his success and all soldiers of Yisrael, the nation with Tefilin and the Glory of Hashem, who is called upon us. Unity Inspires Projects - United Souls 55 -The Iran War with the Holy Land & Worldwide, The Converting Souls & Nuclear Transformation! https://eligoldsmith.substack.com/p/unity-inspires-projects-united-souls-775 #unitedsouls #israeliranwar #nuclear #trump #miracles #transformation

Na vrhu naložbene piramide med najbolj tvegane naložbe sodijo tudi investicije v zagonska podjetja. Investicija ni likvidna, odstotek neuspeha je precej visok. Kako sploh začeti investirati v zagonska podjetja in zakaj? Koliko denarja je sploh potrebno za prve angelske naložbe? Kako balansirati donose in tveganja, zakaj je pomemben obrestno-obrestni račun? O tem, kako obvladovati tveganja smo se pogovarjali z Gregorjem Reboljem iz Silicon Gardens. Epizoda je objavljena tudi na Youtube. V tokratni epizodi boste slišali 00:00 Uvod 05:00 Začetki Silicon Gardens in nastanek prvega sklada 15:30 Tveganja pri naložbah: Izzivih nelikvidnih naložb in pomembnosti zaupanja v vizijo ustanovitelja 25:00 Uspešne naložbe: primeri uspešnih naložb 35:45 Moč obrestno-obrestnih donosov: Razprava o potencialu obrestno-obrestnih donosov in kako jih izkoristiti v svetu start-upov. 45:00 Namigi za vlagatelje MONEY-HOW FRIENDS Podprite Money-How preko članstva na Youtube članstvo Investicijski bootcamp za mlade (od 17 do 21 leta) Darilo z dodano vrednostjo ob koncu šolanja in ob vstopu v polnoletnost. Število mest je omejeno. Datum: 21. avgusta v živo Več informacij na www.money-how.si/dogodki Boot Camp v živo: Investiranje – kako sploh začeti Že dolgo razmišljaš o vlaganju in ne veš, kje in kako začeti? Nimaš energije, da bi raziskoval vse podrobnosti. Skrbijo te davki? Presekaj in se nam pridruži v živo, kjer bomo skupaj naredili prvi korak v svet investiranja! Delavnica je neodvisno pripravljena, kar je redkost v današnjem času :) Lokacija: Ekonomska fakulteta Datum: 18. september Čas: 17:00–20:30 Imaš vprašanje? Piši mi na marja@money-how.si

Never miss a webinar - sign up here: https://imahealth.org/weekly-webinars/ Learn more: https://imahealth.org/smart-watch-wearables-debate-health-benefits-and-privacy-concernsWearables are on the rise—and they're not just for counting steps anymore. With RFK Jr. recently stating that wearable devices are “a key to the MAHA agenda,” questions are growing about what role these tools will play in the future of health.In this episode, IMA Senior Fellow Dr. Ryan Cole hosts a timely discussion on the promises and perils of wearable health technology. He's joined by IMA Co-Founder Dr. Paul Marik along with Senior Fellows Dr. Kirk Milhoan and Dr. Mollie James to explore the potential health benefits, data privacy concerns, and psychological impact of wearables, from fitness trackers to real-time biosensors.Do wearables support better health? Or do they open the door to digital surveillance? Join us as we break down what users, clinicians, and policymakers need to consider in this evolving debate.URL: https://imahealth.org/smart-watch-wearables-debate-health-benefits-and-privacy-concernsKeywords/Tags: smart watch safety concerns, smart watch radiation, smart ring radiation, privacy smart watch, activity trackers health insurance privacy, health benefits of smart watches• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Send us a textIn this episode of The Quest for the GoodLife, Dr. Mike Strouse and co-host Ivo Ivanov welcome Todd Lewis, VP at IMA and a passionate advocate for those who care for others. Together, they unpack the complex world of ICHRAs—Individual Coverage Health Reimbursement Arrangements—and why these innovative benefits are gaining traction across the caregiving industry.With over 400% growth in recent years, ICHRAs empower employers to offer flexible, individualized, and portable healthcare options for employees—especially critical for the hourly caregiving workforce. Todd and Mike discuss how these plans can break the one-size-fits-all model, ease the financial burden on staff, and stabilize a workforce under strain.If you're a CEO, HR leader, or policymaker navigating rising insurance costs and caregiver retention challenges, this episode offers a fresh perspective—and a path forward.

American Tungsten Corp CEO Ali Haji joined Steve Darling from Proactive to discuss the company's ambitious plans to restart production at the historic IMA Mine in Idaho—once the fourth-largest tungsten producer in North America. The mine, which sits on private, patented land and lies above the water table, offers key logistical and permitting advantages that could accelerate its return to production. Haji explained that American Tungsten optioned the mine in 2024 under a payment plan totaling $5.8 million over eight years. The company is targeting a 12- to 18-month timeline to bring the mine back into operation, with the goal of supplying up to 8% of the United States' domestic tungsten demand. “Our target CapEx is around $20 million,” Haji said, noting the relatively low cost to restart IMA compared to much larger-scale greenfield projects. Immediate plans for the site include validation drilling this summer, restoring access to the property, and updating the existing resource estimate. Further exploration will focus on underexplored zones with visible surface mineralization, which could enhance the overall resource base. Haji emphasized tungsten's critical role in defense and nuclear applications, citing its status as the hardest metal with the highest melting point. With geopolitical tensions rising and NATO nations increasing defense spending, the U.S. is actively seeking to secure domestic sources of critical minerals—making the revival of the IMA Mine a strategically significant move. American Tungsten sees the IMA project as a key opportunity to reestablish North American tungsten production and strengthen domestic supply chains for vital industries. #proactiveinvestors #americantungstoncorp #cse #tung #otcqb #demrf #TungstenMining #IdahoMining #CriticalMetals #TungstenSupply #MiningInvestment #ResourceDevelopment #AliHaji #IMAProject #ProactiveInvestors

Idealna zabava za ljetnje dane! Samo lagane teme - prekid blokada fakulteta, Nolo za predsjednika, genocid i Tramp. Ima i malo gejminga, ajde sad. Nije nas dugo bilo što ne znači da nas neće biti još duže! Ljubimo vas pesmama, Hristos posredi nas.

Foi aprovado em definitivo pelo Plenário da Assembleia Legislativa de Minas Gerais (ALMG) o Projeto de Lei (PL) 1.782/23, de autoria do governador Romeu Zema, que dispõe sobre a inspeção e a fiscalização de produtos de origem vegetal. Segundo a proposição, caberá ao Instituto Mineiro de Agropecuária (IMA) executar as atividades de fiscalização e aplicar as penalidades para quem descumprir a lei. Porém, a redação do projeto abre a possibilidade de convênios e parcerias com entidades públicas ou privadas para a realização da fiscalização. LUIZ FILIPE BALONA tem mais informações direto da Rádio Assembleia

Never miss another webinar! Sign up here: https://imahealth.org/weekly-webinars/ Learn more: https://imahealth.org/spike-protein-susceptibility/ Is everyone equally at risk from COVID-19 vaccines? New IMA-backed research says no. This week, IMA Chief Scientific Officer Dr. Paul Marik is joined by Dr. James Thorp, Dr. Jack Tuszynski, and Matt Halma—three of the lead authors behind a groundbreaking study on spike protein injury.Together, they'll explore how the unique structure of the spike protein may affect certain tissues, how genetic and cellular factors influence susceptibility, and what this could mean for patients experiencing long-term symptoms. This conversation offers vital insights into the growing understanding of vaccine injury risk and builds on IMA's commitment to research-driven healthcare reform. Don't miss it!URL: https://imahealth.org/spike-protein-susceptibility/Keywords/Tags: spike protein susceptibility• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Any small business owner writing a playbook would want to consider their company's products and how they're packaged. Similarly, as Insight leaders, I think we should review our Insight team's products each year (our output), and how our products are packaged (our communications). In this episode we look at:Working on our Insight teams (0.50)Regular products (2.49)Insight investigations (3.42)Forward-looking pieces (4.49)Big picture summaries (5.59)Models and segmentations (9.30)Packaging and consuming our products (11.12) Please listen to find out more! This is episode 74 of the Transforming Insight podcast. If you have the ambition to transform your Insight team and the role it plays in your organisation, please tune in to future episodes. Not only will we explore the secrets of successful corporate Insight teams and their leaders, as outlined in James Wycherley's books, Transforming Insight and The Insight Leader's Playbook, we will also talk to senior corporate Insight leaders, delve into books that have inspired us, and discuss new best practice research carried out with the IMA's corporate members.You won't want to miss this! So please subscribe - and thank you for listening.  About James Wycherley, the author of Transforming InsightJames Wycherley was Director of Customer Insight and Analytics at Barclays Bank from 2005 to 2015 when he became Chief Executive of the Insight Management Academy (IMA). He published his first book, Transforming Insight, in 2020, and his second, The Insight Leader's Playbook, in 2025, and he hosts the Insight forums and the Transforming Insight podcast.An entertaining keynote speaker, he has presented over 50 times at Quirk's events, a global record, and has provided thought leadership in the UK, USA, Europe, Canada, Australia, India and the Middle East.The Insight Management Academy is the world's leading authority on transforming corporate Insight teams, and its vision is to inspire and support every Insight leader to transform the impact of Insight in their organisation. Resources:If you would like more information on any of the ideas discussed in this episode of the Transforming Insight podcast, please visit www.insight-management.org DisclaimerThe Transforming Insight podcast is published by the Insight Management Academy and produced by Zorbiant.All rights reserved.   

Na intersekciji podcasta Dopisi iz Diznilenda i ExKurs Podcast nalazi se Peder, Pop i Pravnik Podcast. Miljan (Peder) kao poveznica između Vukašina Milićevića (Pop) i Nemanje Paleksića (Pravnik). Sve teme iz oba podcasta i one kojima u njima nema mesta, ovde, na jednom mestu. Vidimo se (i čujemo), za sad, dvaput mesečno. U današnjoj epizodi, razgovaramo o aktuelnim dešavanjima u društvu, građanskoj neposlušnosti i daljem toku protesta, zatim o Tompsonovom koncertu i koliko nas se i da li nas se uopšte tiče, te se bavimo tekstom mitropolita Fotija o „njet“ teolozima (čitamo ga i komentarišemo), a potom čitamo njegove tri pesme - „Studenti protiv tamjana“, „Bog iz oblaka“ i „Ispunilo se vreme“. Ima tvist, ne brinite. Pratite nas na: https://www.youtube.com/@dopisiizdiznilenda www.facebook.com/DopisiizDiznilenda/ www.podcast.rs/autori/dopisi-iz-diznilenda/ Ako želite da nam pomognete u održavanju servera na soundcloudu, uplate rado primamo na PayPal: mtanic@gmail.com ili postanite naš patron na www.patreon.com/dopisi Miljan: fb: /mtanic, Twitter/Instagram: @mtanic YouTube: /Mtanic Nemanja: fb: /paleksic @diznilend iTunes: itunes.apple.com/us/podcast/id1223989792 Stitcher: https://www.stitcher.com/show/dopisi-iz-diznilenda-podcast Pocket Casts: pca.st/pT2h podcast.rs/show/dopisi-iz-diznilenda/ Spotify: https://open.spotify.com/show/4U3wm6QOkJ30QEbk1kvqZS?si=RM6QdrOlTuO0WUJzYBl7hA

✓ Kako demonstracije u Srbiji izlgedaju iz različitih krajeva sveta? ✓ Ima li kraja eskalaciji? ✓ Kome su potrebne zakulisne radnje?

Hospital COVID Protocols — The Grace Schara CaseNever miss another webinar. Sign up here: https://imahealth.org/weekly-webinars/ Learn more: https://imahealth.org/hospital-covid-protocols-grace-schara-case/When Grace Schara died in a Wisconsin hospital during the COVID pandemic, her family began asking difficult questions about consent, protocol, and patient rights. This week, IMA Co-Founders Dr. Paul Marik and Dr. Joseph Varon are joined by Grace's father, Scott Schara, and his attorney, Warner Mendenhall of Freedom Counsel, to revisit the case and discuss the broader implications for medical advocacy, advance directives, and hospital accountability.We'll explore the concerns raised around medication protocols, Do Not Intubate orders, and access to records—alongside the lessons learned about legal barriers, family involvement, and the importance of independent medical advocates. The conversation is shaped by IMA's longstanding commitment to restoring the doctor-patient relationship and building safeguards that empower patients and families.URL: https://imahealth.org/hospital-covid-protocols-grace-schara-case/• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Motor rasti na delniških trgih so AI-delnice, kot so Nvidia, Meta, Palantir ... koliko je prostora še za rast? V zadnjem času so precej pridobile tudi kripto delnice, kot so Robinhood, Coinbase, Circle in drugi. Robinhood, ki je nedavno prevzel tudi Bitstamp, pripravlja tokanizacijo delnic za evropske vlagatelje. Ne le ameriški, pač pa tudi evropski indeksi na rekordnih. Do kam se lahko povzpnejo tečaji? Pred mikrofonom: Aleš Grbić, upravljavec premoženja Sava Infond Epizoda je objavljena tudi na Youtube V epizodi boste slišali: 00:00 Uvod 08:21 Rekordi in negotovosti 11:20 Investicijske strategije in dolgoročno varčevanje 14:37 Vroče delnice in špekulacije 17:29 FOMO 20:25 Tehnološki velikani in njihove strategije 23:30 AI in vpliv na trge 26:30 Palantir Amazon, Nvidia, Apple, Meta 29:25 Investicije za dolgoročno rast 40:22 Trg in korekcije 41:48 Evropski trg in donosnosti 44:03 Obrambni sektor in investicije 46:06 Diverzifikacija naložb 47:53 Kripto in novi produkti 51:27 Stabilni kovanci in zakonodaja 54:23 MicroStrategy in Bitcoin 01:02:07 Pričakovanja Investicijski bootcamp za mlade (od 17 do 21 leta) Darilo z dodano vrednostjo ob koncu šolanja in ob vstopu v polnoletnost Spoznali bodo tudi 18.-letnega Marka, ki bo razkril, kako je sestavljen njegov portfelj. Število mest je omejeno. Datum: 21. avgusta v živo Več informacij www.money-how.si Boot Camp v živo: Investiranje – kako sploh začeti Že dolgo razmišljaš o vlaganju in ne veš, kje in kako začeti? Nimaš energije, da bi raziskoval vse podrobnosti. Skrbijo te davki? Presekaj in se nam pridruži v živo, kjer bomo skupaj naredili prvi korak v svet investiranja! Delavnica je neodvisno pripravljena, kar je redkost v današnjem času :) Lokacija: Ekonomska fakulteta Datum: 18. september Čas: 17:00–20:30 Podprite Money-How preko članstva na Youtube članstvo Več na www.money-how.si Imaš vprašanje? Piši mi na marja@money-how.si

Never miss a webinar! Subscribe for reminders: https://imahealth.org/weekly-webinars/ Learn more: https://imahealth.org/lyme-treatment/Lyme disease is notoriously difficult to treat, but it's even more complex than most realize. That's because Lyme doesn't always travel alone. Associated tick-borne coinfections like Bartonella and Babesia can mimic or mask Lyme symptoms, requiring different treatments to resolve. This reality turns Lyme treatment into a winding, uncertain road for patients and providers alike.Luckily, we've enlisted some of the world's top experts in Lyme and chronic disease to help demystify this debilitating condition. Join IMA Senior Fellow Dr. JP Saleeby as he hosts a practical conversation with Lyme specialist Dr. Tom Moorcroft and integrative nurse practitioner Chris Jackman. Together, they'll break down what makes Lyme so persistent, how coinfections complicate recovery, and what successful treatment protocols can look like in the real world.This is the third installment in IMA's Lyme Disease series—an essential session for patients, practitioners, and anyone trying to make sense of this often-misunderstood chronic condition. Catch up with the previous episodes here:Diagnosing Lyme Disease: https://imahealth.org/diagnosing-lyme-disease/The Hidden Battle with Lyme Co-Infections: https://imahealth.org/lyme-co-infections/URL: https://imahealth.org/lyme-treatment/• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Dobrodošli na Zalet Podkast — podkast o dizajnu digitalnih proizvoda!U ovoj epizodi govorimo o lakim i teškim stvarima sa kojima smo se susretali tokom svojih karijera.

Lección 13 - Imágenes del fin by La Voz de la Esperanza

In this powerful message, we're reminded of the ever-present nature of the Holy Spirit in our lives. The central theme revolves around John 14:16, where Jesus promises to send the Comforter who will never leave us. We're challenged to move beyond seeing the Holy Spirit as just an occasional visitor or emotional experience, but rather as a constant companion who abides within us. The message draws an interesting parallel between the Holy Spirit appearing as a dove at Jesus' baptism and as fire on Pentecost, emphasizing that before He was fire, He was peace. This imagery encourages us to seek the peace that passes all understanding in our daily lives, especially in times of turmoil. The speaker's experiences at Ima's Home in the Philippines serve as a powerful testament to the transformative power of the Holy Spirit, even in the lives of those with no prior exposure to Pentecostal traditions. This message is deeply relevant to our faith journey, urging us to trust God completely, to give Him our burdens, and to live in the peace and power of the Holy Spirit every day.

Never miss another webinar. Sign up here: https://imahealth.org/weekly-webinars/ Learn more: https://imahealth.org/rethinking-the-food-pyramid-and-dietary-guidelines/It's no secret that government institutions have been dishing out flawed advice in recent years—and the Dietary Guidelines for Americans (DGAs) are no exception. From outdated food pyramids to industry-influenced recommendations, the DGAs have long shaped national eating habits with consequences we're still paying for.This week, IMA Senior Fellow Dr. JP Saleeby hosts a conversation with fellow IMA Senior Fellows Dr. Kristina Carman and Dr. Michael Turner to unpack the problems with the Food Pyramid (and its modern cousin, MyPlate). They'll explore the history of flawed nutritional advice, the industry influence behind government food policy, and how these guidelines have contributed to today's chronic disease epidemic.From the demonization of saturated fat to the uncritical promotion of vegetable oils and low-fat processed foods, this conversation aims to expose what's broken—and what a healthier, evidence-based alternative might look like.URL: https://imahealth.org/rethinking-the-food-pyramid-and-dietary-guidelines/• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

This has a particular bearing on how we approach the prioritisation of our work. In episode 72 we explored the twin importance of Insight leaders assigning time to identify the biggest business issues they could research in more detail, and the benefits of developing more agency over which topics would then be their teams' main focus. If we overlay a commercial mindset, we can make sure that we're looking at prioritisation through a lens our CEO will understand, and the perceived value of our Insight teams will rise.This week James is joined by Nick Rich, former Insight leader at Carlsberg and InterContinental Hotels Group, and now the founder of a new business called Growth Constructors that seeks to provide organisations with tools that enable them to find sustainable growth through Insight.Together, they discuss how Insight teams can move from being reactive service providers to proactive strategic voices, gaining more agency in their roles by making essential choices about how to allocate time and resources. Nick has also played the lead co-ordinating a joint IMA, MRS and AURA initiative in the UK, the Client Sight 2025 survey. Launched this week, it looks at corporate Insight professionals' views of Insight, of their careers, their future in the sector, and how we all need to develop our skills and capabilities. It reveals a gap between the value that Insight teams seek to add, and the value they feel is placed on Insight by their organisations, and an understandable desire to gain more attention from senior people and a greater voice in strategic decisions.Finally, we address the critical role of embedding commercial prioritisation within Insight teams to drive organisational success. Nick and James both believe in linking insights to commercial objectives, in providing new team members with an immersion in commercial factors as part of their induction, and, conversely, in an Insight team helping the rest of its organisation to be more commercial in its thinking.Please listen to find out more! Topics DiscussedInsight prioritisation and value contribution (06:01)Closing the gap for Insight (10:50) Insight teams and revenue generation (19:07) Budget allocation for business growth (25:06) Unlocking commercial success with brand trackers (29:42)  Highlights“One of my biggest frustrations that I had, particularly on the client side, was really linking insights to the growth of a business, and I think there's definitely a gap there in how do we make insights more commercial, but how does Insights really lead the way in identifying growth opportunities for a business and then leading the business to that growth?.” (04:44)“So you know, to quote, essentially, gaining respect from the C-suite and senior business leadership, getting Insight analytics teams more important within my organisation and having the organisation invest more heavily in Insights analytics.” (11.17)“First thing you do, just work out exactly all the myriad ways this business can make money, because that opens up your understanding about who your real stakeholders are, who the channels are that you've got to be involved with, the relationships you've got to form.” (18.09)“We talked about finding your purpose and understanding how the business makes money, how it makes decisions. I think the first thing for an Insight leader is to take a look at your current agenda, take a look at your team and work out whether you are truly connected to those commercials.” (28.51) This is episode 73 of the Transforming Insight podcast. If you have the ambition to transform your Insight team and the role it plays in your organisation, please tune in to future episodes. Not only will we explore the secrets of successful corporate Insight teams and their leaders, as outlined in James Wycherley's books, Transforming Insight and The Insight Leader's Playbook, we will also talk to senior corporate Insight leaders, delve into books that have inspired us, and discuss new best practice research carried out with the IMA's corporate members.You won't want to miss this! So please subscribe - and thank you for listening.   About James Wycherley, the author of Transforming InsightJames Wycherley was Director of Customer Insight and Analytics at Barclays Bank from 2005 to 2015 when he became Chief Executive of the Insight Management Academy (IMA). He published his first book, Transforming Insight, in 2020, and his second, The Insight Leader's Playbook, in 2025, and he hosts the Insight forums and the Transforming Insight podcast.An entertaining keynote speaker, he has presented over 50 times at Quirk's events, a global record, and has provided thought leadership in the UK, USA, Europe, Canada, Australia, India and the Middle East.The Insight Management Academy is the world's leading authority on transforming corporate Insight teams, and its vision is to inspire and support every Insight leader to transform the impact of Insight in their organisation. Resources:If you would like more information on any of the ideas discussed in this episode of the Transforming Insight podcast, please visit www.insight-management.org DisclaimerThe Transforming Insight podcast is published by the Insight Management Academy and produced by Zorbiant.All rights reserved.   

Three-month investigation yields no over-financing evidence but removes 25 sub-agents as IMA introduces new requirements.View the full article here.Subscribe to the IMI Daily newsletter here. 

Rose is joined by two incredibly accomplishedvoices in the fight for medical transparency and parental rights. Dr. Lynn Fynn is a retired Infectious Disease Physician and member of the Independent Medical Alliance—focused on clinical research and innovation. She is joined by Dr. KatLindley, a respected Family Practice Physician, Senior Fellow and Director at the Independent Medical Alliance.They're both deeply involved in advocacy around vaccine policy—especially where it impacts our most vulnerable: children and pregnant women. The IMA recently launched its “Smart Moms” campaign. It's a powerful grassroots movement calling for evidence-baseddecisions around vaccine safety. And now, according to TheWall Street Journal, both the CDC and HHS are reportedly moving toward ending their recommendations for mRNA vaccines in children and pregnant women.We talk about the growing body of research, including a 2025 study that found a 620% increase in the risk of myocarditis among young men following mRNA vaccination—along with a 175% rise in pericarditis. And we explore what's happening to young men post-vaccination, beyond the infant and pediatric concerns.More and more parents are expressing concern about the current newborn and infant vaccine schedule, describing it as aggressive. We'll dig into what that schedule actually looks like, and whether pediatricians are becoming more open to flexibility.These vaccine-related concerns are hopefully gettingthe thoughtful attention they deserve. For More Information: https://imahealth.orgPlease Support this Podcast:www.mypillow.comPromo Code: Rosewww.mypatriot.com/rosewww.americansforprosperity.orghttps://wordmarketingservices.com/Rose's Ministry: www.sheiscalledbyhim.com  sign up for a free newsletter

Never miss another webinar. Sign up here: https://imahealth.org/weekly-webinars/Learn more: https://imahealth.org/red-light-therapy-science/Red light therapy is lighting up the wellness world—but what's real and what's just hype? From full-body saunas to simple at-home devices, this promising treatment is gaining traction fast.This week, IMA Senior Fellow Dr. Ryan Cole hosts a bright and timely conversation with IMA Senior Fellow Dr. Kristina Carman and special guest Dr. Brooke Miller to explore the real sciecne behind red light therapy. They'll break down how light affects our cells, the potential benefits for inflammation, arthritis, energy, and even cancer support—and what's myth versus medically meaningful.Whether you're a curious newcomer or a seasoned biohacker, this episode sheds light on one of the most exciting new tools in modern wellness.Keywords/Tags: red light therapy science, science behind red light therapy​, science of red light therapy• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Imaćeš utisak da su neke aktivnosti lakše, a neke teže, ali je bitno da znaš koja je tvoja slaba tačka kada učiš engleski. Preslušaj ovu epizodu. Ukoliko želiš da učiš engleski u English Lane školi sa Zoranom, pogledaj kako da se prijaviš ovde: https://englishlane.net/onlineskola/ Link ka ovoj epizodi podkasta na blogu: https://englishlane.net/onlineskola/186-slaba-tacka-kada-ucis-engleski/

In this episode, we chat with Ali Haji, CEO of American Tungsten Ltd, a listed Canadian exploration company focused on advancing high-grade magnetite mineral properties with its flagship asset, the IMA Mine Project in Idaho. Ali has over 20 years in metals and mining, investment management, and publicly-listed capital markets experience, where he has served a variety of senior leadership roles within the mining industry. Ali discusses the background to American Tungsten, why it's important in today’s industrial and technological landscape, US funding and regulatory controls, and what the company is looking to achieve in the long term KEY TAKEAWAYS The company is primarily focused on the IMA Mine Project in Idaho, which is a past producer of tungsten and aims to bring production back online within 18 months. The mine has a significant historical resource and is located in a strong mining jurisdiction. Tungsten is a critical metal used in various military and industrial applications, including armour, ammunition, aerospace components, and microchips. Its high melting point and strength make it essential in many technologies, highlighting the need for domestic production. The current U.S. administration prioritises critical minerals, including tungsten, which has led to potential benefits for American Tungsten, such as fast-tracked permitting and access to grants and low-interest loans to support production efforts. The leadership team includes individuals with extensive experience in the mining sector and government funding, which positions American Tungsten favourably to navigate regulatory processes and secure necessary funding for development. Key upcoming events for American Tungsten include the release of a 43-101 resource statement, exploration drilling, and a bulk sample to assess metallurgy. These developments are expected to enhance the company's resource profile and expedite the path to production. BEST MOMENTS "Tungsten is the second hardest element on the periodic table, used to strengthen alloys and has a very high melting point at 2500 degrees centigrade." "We believe that at IMA, we can be the fastest to bring tungsten production back online in North America." "The goal is to bring back a lot of the production that was mothballed in 2015 when the Chinese flooded the market with cheap tungsten." "Our path to production is quicker than anybody else in the space. Our resource is well defined with the expectation for it to grow." VALUABLE RESOURCES Mail: rob@mining-international.org LinkedIn: https://www.linkedin.com/in/rob-tyson-3a26a68/ X: https://twitter.com/MiningRobTyson YouTube: https://www.youtube.com/c/DigDeepTheMiningPodcast Web: http://www.mining-international.org This episode is sponsored by Hawcroft, leaders in property risk management since 1992. They offer: Insurance risk surveys recognised as an industry standard Construction risk reviews Asset criticality assessments and more Working across over 600 sites globally, Hawcroft supports mining, processing, smelting, power, refining, ports, and rail operations. For bespoke property risk management services, visit www.hawcroft.com GUEST SOCIALS https://americantungstencorp.com/ https://www.linkedin.com/company/americantungstencorp/ https://www.youtube.com/@americantungstencorp https://www.facebook.com/americantungstencorp/ https://www.instagram.com/americantungstencorp https://x.com/amtungsten ABOUT THE HOST Rob Tyson is the Founder and Director of Mining International Ltd, a leading global recruitment and headhunting consultancy based in the UK specialising in all areas of mining across the globe from first-world to third-world countries from Africa, Europe, the Middle East, Asia, and Australia. We source, headhunt, and discover new and top talent through a targeted approach and search methodology and have a proven track record in sourcing and positioning exceptional candidates into our clients' organisations in any mining discipline or level. Mining International provides a transparent, informative, and trusted consultancy service to our candidates and clients to help them develop their careers and business goals and objectives in this ever-changing marketplace. CONTACT METHOD rob@mining-international.org https://www.linkedin.com/in/rob-tyson-3a26a68/ Podcast Description Rob Tyson is an established recruiter in the mining and quarrying sector and decided to produce the “Dig Deep” The Mining Podcast to provide valuable and informative content around the mining industry. He has a passion and desire to promote the industry and the podcast aims to offer the mining community an insight into people’s experiences and careers covering any mining discipline, giving the listeners helpful advice and guidance on industry topics. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Inovação na gestão pública, levando projetos que incorporem inteligência e tecnologia e façam a diferença na vida dos cidadãos em municípios de diferentes perfis, sempre entendendo as necessidades de cada administração. A IMA – Informática dos Municípios Associados – é uma das maiores empresas municipais de tecnologia do País, cuja maior acionista é a Prefeitura de Campinas, especializada em unir análise de dados de ponta com inovação, formatando iniciativas de transformação que estão em andamento em diferentes cidades brasileiras, muitas delas premiadas e em parceria com big techs - de redes de alto desempenho até a implementação de mais de 200 sistemas diferentes de governo digital integrados a dados. No Start Eldorado dessa semana, o apresentador Daniel Gonzales recebe o diretor-presidente da IMA, Elias Tavares, para uma conversa sobre cidades inteligentes e inovação. Com transmissão pela Rádio Eldorado FM 107,3 para toda Grande São Paulo, site, aplicativo, canais digitais e assistente de voz, o Start vai ao ar todas as quartas-feiras, às 21h.See omnystudio.com/listener for privacy information.

Never miss another webinar. Sign up here: https://imahealth.org/weekly-webinars/ Learn more: https://imahealth.org/medical-case-against-transitioning-minors/As gender transition procedures among youth become more common, a growing number of doctors are raising serious concerns—medical, ethical, and human rights alike. Can minors truly consent to irreversible medical interventions? Urgent questions demand honest answers.This week, IMA Senior Fellow Dr. Ryan Cole hosts a powerful panel featuring IMA Senior Fellows Dr. Kimberly Milhoan and Dr. Katherine Welch. Together, they'll lay out the medical case against transitioning minors—from the lack of informed consent to the long-term physical and psychological harm. Both guests bring deep clinical experience serving children and vulnerable populations—and both are sounding the alarm.This discussion continues a powerful conversation first sparked during a panel at the 2025 IMA Conference. While the topic is often politicized, IMA approaches it from a medical and ethical standpoint. Our mission is rooted in patient-centered care and medical transparency, and protecting minors from irreversible harm fits squarely within that commitment.Keywords/Tags: gender transition for minors, gender transition minors, medical transition for minors• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

„Plan je bio da imamo troje dece, ali sad ih je šestoro, okolnosti su se menjale, pa smo i posle petog deteta, pre dve godine, poželeli opet jednu bebu“, priča u novoj epizodi Mamazjanije Milena Kostić, poznata kao „Mama iz magareće klupe“, u čijoj kući, sa tri devojčice i tri dečaka, uzrasta od dve do 15 godina, nikad nije dosadno. Iako većina mama ne može da zamisli dan bez multitaskinga, Milena smatra da ako radimo više stvari istovremeno, na kraju ništa ne završimo kako treba. „Dugo sam praktikovala multitaskovanje jer deluje kao jedina opcija kad imate više dece, ali sad postavim prioritete, pa jedno po jedno. Ima dana koji deluju da traju 48 sati, a opet ima i onih koji se lakše podnose“, priča ova dobro organizovana mama. U kući sa šestoro dece uvek je izazovno i nema vremena za dosadu. „Imamo stariju, srednju i malu decu. Jedno dete, najstarija ćerka, sprema se za srednju školu, najmlađi sin je u jaslicama, jedan se priprema sad za prvi razred, a jedno dete za peti. Ovo je za nas vrlo tranzitni period. Škola nam je veoma važna, pa često vikendom suprug i ja sednemo sa njima da radimo bekap, tačnije sve ono što možda u školi propuste ili što im nije rečeno, nadoknade sa nama“, objašnjava Milena.

Never miss another webinar. Sign up here: https://imahealth.org/weekly-webinars/ Learn more: https://imahealth.org/cancer-research-innovationCancer diagnoses continue to rise—affecting younger people more than ever before. This week, join IMA Chief Scientific Officer Dr. Paul Marik and IMA Senior Fellow Dr. Mollie James for a timely webinar focused on cancer, recurrence, and the research helping to make sense of this troubling trend.Dr. Marik will present curated findings from the latest cancer research, while Dr. James brings firsthand clinical insight from the frontlines—together offering a powerful look at how science and real-world experience are shaping new guidance for patients and providers. With growing concern that the mRNA vaccine rollout may be contributing to the surge in cases and relapses, this discussion couldn't be more urgent.This conversation is central to IMA's commitment to addressing chronic disease and builds on the research curated in Dr. Marik's comprehensive Cancer Care guide:- Available free to DL: https://imahealth.org/research/cancer-care/ - Or to purchase: https://a.co/d/9QT8zKH• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Tu veux créer ton entreprise mais tu es encore salariée ? Et si tu n'étais pas obligée de choisir ?➡️ Découvre l'outil Cli3nts pour prospecter à ta place sur Linkedin.Dans cet épisode, Sarah Zitouni prouve qu'on peut réussir en étant salariée ET entrepreneure.Fondatrice de PowHer ta carrière et directrice stratégie dans l'automobile, elle t'explique comment mener une double vie professionnelle sans perdre la tête… ni ton équilibre.

Never miss another webinar. Sign up here: https://imahealth.org/weekly-webinars/ Learn more: https://imahealth.org/hhs-mrna-children-pregnancy-whats-next/What happens when government agencies start to reverse course on the most hotly debated public health policies of our time?Join host Dr. Chris Martenson for a powerful conversation on the future of COVID-19 vaccine policy. He's joined by former Deputy Assistant Secretary of HHS David Mansdoerfer and three special guests—Senator Ron Johnson, IMA Senior Fellow Dr. Jordan Vaughn, and attorney Warner Mendenhall of Freedom Counsel—for a timely breakdown of the May 21, 2025, U.S. Senate hearing on COVID-19 vaccine development and safety.With HHS now considering the removal of COVID-19 shots from the CDC's recommended schedule for children and pregnant women, we could see a dramatic reshaping of the legal, medical, and political landscape. Our panel will explore what this move could mean for liability protections under the PREP Act, vaccine policy, public trust, and the future of informed consent.Momentum around mRNA vaccine reform is building. Last week, we launched our Smart Moms Ask campaign to end recommendations for children and pregnant women—and now federal agencies are beginning to reconsider vaccine policy. At the heart of this shift is one of IMA's core pillars for healthcare reform: Transparency in Medicine. It's not just a guiding principle—it's a catalyst for change. Don't miss this critical conversation about what comes next.URL: https://imahealth.org/hhs-mrna-children-pregnancy-whats-next/Keywords/Tags: mRNA in children, mRNA vaccine in pregnancy• Donate: https://imahealth.org/donate/• Follow: https://imahealth.org/contact/• Webinar: https://imahealth.org/category/weekly-webinars/• Treatment: https://imahealth.org/treatment-protocols/• Medical Disclaimer: https://imahealth.org/about/terms-and-conditions/About IMA (Formerly FLCCC Alliance)The Independent Medical Alliance™ is a nonprofit, 501(c)(3) organization and coalition of physicians, nurses, and healthcare professionals united by a mission to restore trust and transparency in healthcare. The organization's mission is one driven by Honest Medicine™ that prioritizes patients above profits and emphasizes long-term wellness and disease prevention through empowerment of both physicians and their patients. With a focus on evidence-based medicine, informed consent, and systemic reform, IMA is driving a movement to create a more compassionate and effective healthcare system.For more information about the Independent Medical Alliance, visit www.IMAhealth.org

Tu veux créer ton entreprise mais tu es encore salariée ? Et si tu n'étais pas obligée de choisir ?Dans cet épisode, Sarah Zitouni prouve qu'on peut réussir en étant salariée ET entrepreneure.Fondatrice de PowHer ta carrière et directrice stratégie dans l'automobile, elle t'explique comment mener une double vie professionnelle sans perdre la tête… ni ton équilibre.

Outline00:00 - Intro and early steps in control06:42 - Journey to the US08:30 - Kharitonov's theorem and early influences12:10 - From Lund to KTH (Stockholm)15:01 - Ascona and collaboration with Megretski24:06 - The IMA year in Minnesota33:50 - Integral quadratic constraints46:10 - KYP lemma and meeting Yakubovich52:35 - Piecewise hybrid systems59:41 - Dual to Lyapunov theorem1:06:48 -  Positivity and large scale systems1:15:25 - Adaptive and dual control1:25:24 - Future research directionsLinks Master's thesis: https://tinyurl.com/vnkuf44a Kharitonov's theorem: https://tinyurl.com/3w3a3z52IMA: https://cse.umn.edu/imaLCCC: http://www.lccc.lth.se/Real stability radius paper: https://tinyurl.com/yc79zt58IQC paper: https://tinyurl.com/mw2te4vwKYP lemma paper: https://tinyurl.com/2fv32yw6Piecewise quadratic Lyapunov functions for hybrid systems: https://tinyurl.com/38a5f432Piecewise linear quadratic optimal control: https://tinyurl.com/yhddbhpxFast switches in relay feedback systems: https://tinyurl.com/23e95k9nDual to Lyapunov's stability theorem: https://tinyurl.com/yc2uf652ECC'15 plenary: https://tinyurl.com/sy3k7vf7Scalable control of positive systems: https://tinyurl.com/3vcda447Tutorial on Positive Systems and Large Scale Control: https://tinyurl.com/3e4fkxz8KYP lemma for positive systems: https://tinyurl.com/3pdp3p7pCDC'25 plenary: https://tinyurl.com/497py5whData driven Riccati equation: https://tinyurl.com/3swjtvabSupport the showPodcast infoPodcast website: https://www.incontrolpodcast.com/Apple Podcasts: https://tinyurl.com/5n84j85jSpotify: https://tinyurl.com/4rwztj3cRSS: https://tinyurl.com/yc2fcv4yYoutube: https://tinyurl.com/bdbvhsj6Facebook: https://tinyurl.com/3z24yr43Twitter: https://twitter.com/IncontrolPInstagram: https://tinyurl.com/35cu4kr4Acknowledgments and sponsorsThis episode was supported by the National Centre of Competence in Research on «Dependable, ubiquitous automation» and the IFAC Activity fund. The podcast benefits from the help of an incredibly talented and passionate team. Special thanks to L. Seward, E. Cahard, F. Banis, F. Dörfler, J. Lygeros, ETH studio and mirrorlake . Music was composed by A New Element.

Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. 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Investicija od 600.000€ - ekskluzivna priča o povjerenju, pregovorima i AI-u. Ima li uistinu ravnopravnosti kada se jedni nasuprot drugih nađu osnivač čiji je projekt tek u povojima i investitori koji potencijalno drže budućnost tog biznisa u svojim rukama? Kad je vrijeme za zauzimanje čvrstog stava i na što ne pristajati ni za kakve novce, ispričao nam je Domagoj Ćorić, suosnivač Arkensighta. On nam je u Netokracijom podcastu ekskluzivno objavio veliku vijest kako je njegov startup najnoviji u portfelju tvrtki fonda Silicon Gardens.U sporednoj temi smo prešli na neke ležernije fenomene, točnije na ubojstvo virtualnog influencera sa svinjskom glavom Johna Porka kojeg je navodno ubio nekadašnji najbolji prijatelj AI generirani štakor Tim Cheese. Buru je u tom svijetu nedavno izazvala scena u kojoj se on ipak budi. Dio je to epske priče s Reelsa koja je još 2023. zaludila korisnike društvenih mreža._______________0:00 Uvod0:33 Investicija od 600.000 eura: svi ključni detalji5:30 Kako se dogovara investicija? Iza kulisa procesa14:30 Kako investitori procjenjuju startup?20:20 "Ne biraš lovu, već čovjeka iza love"26:10 Najčešće greške startupa u razgovorima s VC-jevima30:40 Što startupi NIKAD ne bi smjeli napraviti32:15 Kako je Izet "obrazovao" za investitora?34:00 Što donosi Silicon Gardens u 2025. + ključne lekcije za startupe38:50 O internetskom fenomenu John PorkuTOP i FLOP46:40 Svemir postaje smetlište48:30 Dvije afričke zemlje tuže Metu50:15 Idemo na Infobip Shift Miami!_______________

Dr. Joseph Varon is a critical care physician, medical professor, and president of the Independent Medical Alliance (IMA), formerly the Front Line COVID-19 Critical Care Alliance (FLCCC). Their mission is to provide and advocate for patient rights, informed consent, and medical transparency, and they've played a major role supporting Health and Human Services Secretary Robert F. Kennedy Jr.“Hopefully, now with the new NIH director, we'll be able to fund some of these studies for these repurposed drugs that are really going to cut on cost of health care expenses,” he says.Varon has contributed to more than 950 peer-reviewed journal articles and is the editor-in-chief of multiple medical journals, including the newly launched Journal of Independent Medicine. In this episode, we dive into the IMA's recent work.“When you have, let's say, a paper that has 20 authors and out of those 20 authors, more than 90 percent of them are on the payroll of a specific pharmaceutical company that makes a product that you are studying, that's a conflict,” says Dr. Varon. “If we don't do something about the current state of medicine in our country, we're doomed. We're really doomed.”Views expressed in this video are opinions of the host and the guest, and do not necessarily reflect the views of The Epoch Times.

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