Podcasts about Itin

307 - The Invisible Prime Borrower: How Efri Argaman Is Unlocking Homeownership for 42 Million Americans What if the biggest barrier to homeownership in America wasn't money, it was the wrong measuring stick? Right now, an estimated 37 to 42 million people in this country have the income to buy a home, pay their rent on time every single month, and are still being turned away by the traditional lending system simply because their income doesn't come with a W-2. That's not a credit problem. That's a broken system problem. And Efri Argaman, founder and CEO of OwnEZ, built a fintech company to fix it. In this episode, Efri breaks down how OwnEZ developed a non-discriminatory alternative data underwriting engine that looks at what actually matters: rental payment history, cash flow patterns, and financial responsibility, not a FICO score that can be gamed. He introduces the concept of the "invisible prime borrower": the gig worker, the ITIN holder, the self-employed real estate investor with near-zero taxable income who is financially solid but locked out of conventional lending. Efri and his team are converting what he calls chronic renters into homeowners, and along the way, creating a passive investment vehicle for accredited investors that has delivered 8.5 to 9% annual yield, without leverage, and without a single investor loss since inception. If you are a real estate investor looking for a stable, non-correlated addition to your portfolio, a self-employed entrepreneur who has been told no by a traditional lender, or someone who believes the financial system needs to work for more people, this episode was made for you. With Fund Five now open at a $50,000 minimum, the door to investing with OwnEZ is more accessible than ever. Do not miss this one. 5 Powerful Takeaways Your FICO score is a manipulatable number, not a true measure of your ability to pay: OwnEZ's underwriting looks at the real reasons behind a score and uses rental history, cash flow, and financial behavior to identify borrowers who will actually perform, not just those who know how to game revolving credit. The gig economy created a homeownership crisis that almost no one is solving at scale: Gig workers, 1099 earners, and ITIN holders often earn excellent incomes but are systematically excluded from Fannie Mae and Freddie Mac-backed loans. OwnEZ was built specifically to close that gap. Owner-occupied lending is the lowest-risk real estate investment most investors are completely ignoring: Borrowers who live in their own homes have a fundamentally different relationship with their mortgage than investors do. They default only as a last resort, making OwnEZ's loan portfolio dramatically more stable than most real estate investment vehicles. A non-leveraged fund structure can survive the market crashes that wipe out leveraged investors: By choosing not to borrow against the fund, OwnEZ has the flexibility to hold, rent, or wait during downturns — the exact strategy that protects capital when leveraged competitors are forced to sell at the worst possible time. Don't confuse being busy with being productive: The most impactful piece of advice Efri received early in his career shapes everything about how he runs his company, protects his team's personal time, and builds a business designed for long-term balance rather than burnout. 00:00 REIGN Podcast Intro 00:52 Wholesaler Red Flags 03:26 Meet Efri Argaman 05:08 What Is Fintech 07:14 Real Estate Lessons Learned 10:08 OwnEZ Borrower Model 12:15 Alternative Data Underwriting 15:00 Invisible Prime Borrowers 17:21 Property Types Financed 18:36 Investor Returns And Risk 24:45 Fund Structure And Accreditation 25:51 Passive Yield Overview 26:55 Fund Five Lower Minimums 27:51 Wealth Preservation Pitch 29:27 Why Own Easy Differs 30:34 Crisis Proofing Without Leverage 33:30 Karma And Tenant Story 36:34 Scaling And Evergreen Fund 38:44 Badass Book And Route 66 40:51 Advice Drive And Goals 44:50 Systems Success And Wrap Up About the Guest Efri Argaman is the founder and CEO of OwnEZ, Inc., a data-driven fintech company headquartered in Austin, Texas, focused on expanding access to homeownership through alternative data lending solutions. A residential real estate investor since 2009 with experience across rentals, flips, financing, and new construction, Efri built his career at the intersection of real estate investing and financial innovation. Under his leadership, OwnEZ developed a proprietary underwriting engine that evaluates borrowers on cash flow, rental history, and financial behavior rather than traditional credit scores, and has originated hundreds of mortgages for families locked out of the conventional lending system. He is a recognized voice in fintech and real estate, and a passionate advocate for the tens of millions of Americans the current financial system leaves behind. Resources & Websites Mentioned www.ownez.com (O-W-N-E-Z.com) — OwnEZ investor and borrower information Efri Argaman on LinkedIn www.therealjenjosey.com www.reignmastermind.com   To learn more about Jen Josey, visit https://www.therealjenjosey.com/ To join REIGN, visit https://www.reignmastermind.com/ Stuff Jen Josey Loves: https://www.reignmastermind.com/resources Buy Jen Josey's Book: From Beginner to Badass: https://a.co/d/bstKlby New episodes drop every Monday Morning at 6am EST. See you next time!

durée : 00:16:43 - Les émissions culturelles de France Culture - par : Marie Labory - Du mélancolique “Sukima” de Gao Yan au très violent “Zange” de Santa Inoué, un point sur les œuvres de deux mangakas qui repensent les codes de la narration. - réalisation : Laurence Malonda, Boris Pineau, Aïssatou N'Doye, Jules Barbier, Zohra Vignais, Lise Ripoche, Mathi Adjinsoff - invités : Pauline Croquet Journaliste au service culture du Monde, spécialisée manga et animation , Fausto Fasulo Directeur des rédaction d'ATOM et Mad Movies Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Le TFT dévoile sa tournée Aérolive : Aérolive Festival Itinérant Aérolive est un festival régional, itinérant et gratuit qui de juin à septembre propose plus de 25 dates partout en Normandie.À la campagne, à la mer et/ou dans les grandes agglomérations, Aérolive passera forcément près de chez vous!En 9 ans le festival a su s'implanter comme l'un des évènements majeurs pour la promotion de la scène régionale: venez découvrir les groupes normands qui feront l'actualité de demain!Le festival Aérolive c'est terminé pour cette année. L'équipe se repose pour revenir en forme au printemps 2026, soyez prêt.e.s !

If you bought a place in Arizona or Maui twenty years ago and never thought about what happens to it when you sell, or when you die, could it already be too late to avoid a tax shock you never saw coming?This week Gerry sits down with Robert M. Clegg, JD, LL.M, of CanadAmerican Tax Services, a dual Canadian and US cross-border tax specialist based on Vancouver Island, to walk through what really happens when a Canadian sells US real estate. From FIRPTA withholding and ITIN requirements to the currency trap and the long road of selling a property after an owner has died, this is the conversation to have before you let a realtor put the sign on the lawn.What You'll Learn in This Episode- Why your first call should be to a cross-border accountant, not the realtor, and how that single move takes the hidden tax shock off the table before the sign ever goes up- FIRPTA explained: how 10 to 15 percent of your gross sale price gets withheld up front, why California and Hawaii add their own layer on top, and why Arizona, Texas, and Nevada do not- Why each non-resident Canadian spouse must file a separate 1040NR with their own ITIN, and how escrow companies routinely get this wrong by issuing one withholding slip under a single number- The currency trap: how a weak Canadian dollar can turn a 700,000 US gain into a far bigger Canadian one, and why you need the exchange rate at purchase, at sale, and at every renovation- How the foreign tax credit stops you from being taxed twice, why only half your gain is taxable in Canada, and roughly what is left to pay the CRA once the US tax is credited- Why the 1031 like-kind exchange your realtor keeps recommending simply does not work for Canadians- What changes when parents pass away still owning the property, from the US estate return on assets over 60,000 to a clearance certificate that can take two to three years before you can sellResources & LinksRobert M. Clegg, JD, LL.M, CanadAmerican Tax Services: canadamericantax.comFIRPTA Canada, Calgary-based FIRPTA specialists: firptacanada.comTrack your days across the border with DayTracker: snowbirdsusdaytracker.comCanadians Heading South - Buy the Book: https://a.co/d/01Ryf45ZNote: the forms, thresholds, and rates discussed are general and reflect the conversation as recorded. Confirm your own situation with a cross-border tax professional and your Canadian accountant before selling.

durée : 00:04:04 - . Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

- Guy Turcotte veut sortir du pénitencier. - Un itinérant qui avait des liens avec Ben Laden plaide coupable. - Cinq arrestations pour le meurtre d’un des leaders du groupe Arab Power. Affaires criminelles avec Maxime Deland, journaliste à l’Agence QMI. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Christine Fréchette est… incapable de chiffrer la dette du Québec | Une défaite crève-coeur pour le CH de Montréal: il ne faut pas sous-estimer l’énergie du désespoir | Le Québec a un nouveau scientifique en chef et… c’est un membre des Cowboys fringants | Steven Guilbeault claque la porte… mais pas si fort que ça! | Vers un été froid et gris? | Itinérance à Montréal: la ville veut mettre les bouchées doubles | PETiTTOM est connecté avec son enfant intérieur Dans cet épisode intégral du 28 mai, en entrevue : Jérôme Dupras, nouveau scientifique en chef du Québec. Steven Guilbeault, député de Laurier—Sainte-Marie pour le Parti Libéral du Canada. Patrick de Bellefeuille, présentateur et expert en changements climatiques à MétéoMédia. Claude Pinard, président du comité exécutif et responsable de l’itinérance à la Ville de Montréal. Tommy Tremblay alias PETiTOM, auteur-compositeur-interprète. Une production QUB Mai 2026Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Nicola Brunialti"Luce del mio occhio"Illustrazioni di Francesco FagnaniEdizioni Lapiswww.edizionilapis.itIn un'isola sperduta poco lontano dalla Sicilia vivono i ciclopi: giganti rozzi e rumorosi, convinti da sempre che le donne vadano scelte, rapite e sposate. È una regola antica, che nessuno ha mai messo in discussione.Nemmeno Fileno, il più piccolo e maldestro tra loro, cresciuto con le stesse certezze degli altri.Finché un errore cambia tutto.Durante una spedizione in Grecia, suo fratello torna con il bottino sbagliato: non una futura sposa, ma Antea, una bambina amazzone. Determinata, combattiva e indomabile, Antea non ha alcuna intenzione di adattarsi alle regole dei ciclopi. Anzi, è pronta a sfidarle.Costretti a convivere, Fileno e Antea si osservano, si scontrano e si mettono continuamente alla prova. Tra litigi, dispetti e momenti esilaranti, il loro incontro diventa l'occasione per guardare il mondo da un'altra prospettiva.Con uno stile brillante e ricco di humour, Nicola Brunialti costruisce un'avventura coinvolgente che ribalta i miti e manda all'aria le certezze di sempre.Perché a volte basta una voce fuori posto per far vacillare anche le idee più radicate.Età di lettura dagli 8 anniNicola BrunialtiPubblicitario e scrittore. Dopo aver firmato campagne pubblicitarie cult come quella di "Paradiso Lavazza", dal 2010 si dedica a tempo pieno alla scrittura per ragazzi pubblicando romanzi di successo. È stato tra gli autori del programma TV “Chi ha incastrato Peter Pan?”, ha scritto “Dormono tutti”, una ninna nanna per Renato Zero ed è coautore con Simone Cristicchi della canzone “Abbi cura di me”. Incontra ogni anno i suoi numerosi e affezionatissimi lettori in festival letterari e scuole.Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.IL POSTO DELLE PAROLEascoltare fa pensarehttps://ilpostodelleparole.it/

Benjamin Patou : ses discothèques et ses restaurants ont fait de lui un roi des nuits parisiennes . La revanche d'un cancre chronique qu'il raconte dans un livre préfacé par Claude Lelouch, « Itinéraire d'un enfant raté »

durée : 00:26:21 - par : Jean-Baptiste Urbain - Après un disque Debussy/Beethoven, Guilhem Fabre monte sur les planches du Châtelet pour "La Bal(l)ade de Nijinski" d'Olivier Py, avant de partir au Off d'Avignon pour deux spectacles puis de sillonner la France avec son camion-scène. Rencontre avec un pianiste-comédien hors des sentiers battus. - réalisation : Yassine Bouzar, Julia Macarez, Morgane Tourreilles, Maxime Laporte, Valentin Lévy-Chaudet - invités : Guilhem Fabre Pianiste et comédien Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

En mai 2018, Jean-Alphonse Richard consacrait un épisode de "Confidentiel" à Michel Delpech. Il y a chez Michel Delpech des chansons que tout le monde fredonne, et une vie beaucoup moins légère qu'il n'y paraît. L'enfant de Courbevoie devenu vedette des années yéyé a connu l'argent, les excès, les doutes, la rupture et la dépression, avant de retrouver un fragile équilibre. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

En este episodio, el abogado Jonathan analiza la nueva orden ejecutiva firmada por Donald Trump y cómo podría impactar a inmigrantes que utilizan ITIN, tienen TPS, DACA o están en procesos migratorios en Estados Unidos. Jonathan explica qué dice realmente la orden, qué cambios podrían venir en los próximos 60, 90 y 180 días, y por qué la comunidad inmigrante no debe reaccionar con miedo ni tomar decisiones impulsivas. También aclara rumores sobre cuentas bancarias, préstamos, hipotecas y el posible impacto en personas que utilizan bancos con ITIN o matrícula consular. Además, responde preguntas en vivo sobre salida voluntaria, castigos migratorios, asilo, órdenes de deportación y cómo evitar caer en desinformación en redes sociales. En este episodio hablamos de:  La nueva orden ejecutiva de Donald Trump sobre el sistema bancario  Qué podría pasar con cuentas abiertas usando ITIN  Cómo podrían reaccionar los bancos con préstamos e hipotecas  TPS, DACA y personas fuera de estatus  Los periodos de 60, 90 y 180 días explicados  Por qué NO recomienda sacar el dinero del banco  Demandas federales contra la orden ejecutiva  Preguntas en vivo sobre salida voluntaria y deportación  El uso del miedo como estrategia migratoria  Advertencias sobre desinformación y estafas en redes sociales Capítulos00:00 – Introducción y tema principal del programa01:26 – Problemas técnicos y bienvenida al público03:47 – ¿Qué significa realmente la nueva orden ejecutiva?04:17 – Cómo impactaría a inmigrantes con TPS, DACA e ITIN06:37 – El enfoque sobre cuentas bancarias con ITIN08:58 – Cambios previstos en los primeros 60 días11:20 – Lo que podría pasar después de 90 días13:45 – Los posibles cambios tras 180 días16:10 – Lo que NO dice la orden ejecutiva18:26 – Demandas federales y posible bloqueo de la orden20:46 – El peor error: sacar todo el dinero del banco23:00 – Impacto en personas con TPS y DACA25:18 – Hipotecas, préstamos y miedo en el sistema bancario31:01 – Advertencia sobre desinformación en redes sociales32:21 – Segmento de preguntas y respuestas32:47 – Salida voluntaria y consecuencias migratorias36:46 – Castigos por salir tras pedir asilo38:21 – “Con miedo sale más barato las deportaciones”44:00 – ¿Abrir cuentas con hijos ciudadanos?45:28 – CBP Home y pagos por autodeportación46:18 – Impuestos con ITIN y correcciones47:18 – Órdenes de deportación y jueces de inmigración48:39 – Abogados que renuncian a casos y cortes pendientes49:40 – Cierre y despedida  Contenido informativo general; no sustituye asesoría legal individual. 

En mai 2018, Jean-Alphonse Richard consacrait un épisode de "Confidentiel" à Michel Delpech. Il y a chez Michel Delpech des chansons que tout le monde fredonne, et une vie beaucoup moins légère qu'il n'y paraît. L'enfant de Courbevoie devenu vedette des années yéyé a connu l'argent, les excès, les doutes, la rupture et la dépression, avant de retrouver un fragile équilibre. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

L’ancienne première ministre du Québec, Pauline Marois, signe une lettre aujourd’hui pour demander au gouvernement de faire de la lutte à l’itinérance un enjeu prioritaire et de ne pas laisser la situation actuelle devenir la nouvelle normalité. Entrevue avec Pauline Marois, ancienne première ministre du Québec. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Itinérance : lettre de Pauline Marois dans Le Devoir L’effet Fréchette (Sondage Léger) Shein et Temu ont la cote La rencontre Maréchal-Dumont avec Isabelle Maréchal et Mario Dumont. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Confused about EIN versus ITIN when forming a US LLC from abroad? Find out which tax ID foreign founders actually need, how to avoid common application mistakes, and how to open a US bank account without an SSN. To learn more, visit https://valisinternational.com VALIS International City: Wilmington Address: 501 Silverside Rd Website: https://valisinternational.com/

Le CPE Petit Palais déménage dans le Vieux-Montréal. Il quitte le quartier chinois devenu un lieu de violence, de toxicomanie et d’histoires qui font craindre le pire aux habitants. L’Association des résidents du Quartier chinois n’est pas tout à fait surprise de ce changement. Entrevue avec Carman Tang, présidente de l’Association des résidents du Quartier chinois Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

durée : 01:24:55 - Les Nuits de France Culture - par : Albane Penaranda - réalisation : Mathias Le Gargasson, Antoine Dhulster, Rafik Zénine, Vincent Abouchar, Emily Vallat, Hassane M'Béchour, INA Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:58:50 - Le Book Club - par : Marie Richeux - Au-delà du "Deuxième Sexe", l'œuvre de Simone de Beauvoir révèle une pensée féministe plurielle en perpétuel mouvement. Entretien croisé avec Esther Demoulin, qui a réuni traductions, inédits et retranscriptions d'archives, et l'historienne Marine Rouch. - réalisation : Vivien Demeyère - invités : Esther Demoulin Maîtresse de conférences à l'université Paris Cité; Marine Rouch Historienne des féminismes et du genre, spécialiste de Simone de Beauvoir et de ses correspondances avec son lectorat

La montée de l’itinérance au Québec atteint un niveau alarmant, avec près de 12 000 personnes sans logement, soit une hausse marquée en seulement trois ans. Malgré l’ampleur de la crise, la question demeure trop peu débattue publiquement, selon PSPP. Entrevue avec Paul St-Pierre Plamondon, chef du Parti québécois. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Tour des nouveautés musicales. Itinérance: la mairesse interpellée par un homme d’affaires. Un fabricant de meubles québécois se place à l'abri de ses créanciers. Air Canada suspend ses prévisions financières. Tour de table entre Isabelle Perron, Alexandre Dubé et Mario Dumont. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

L'ancien président de Médecins Sans Frontières, voix critique très écoutée à gauche des années 1980 à aujourd'hui, revient sur les étapes de son parcours militant, intellectuel et politique au fil d'une conversation avec Julien Théry.▶ Soutenez Le Média :

durée : 00:03:02 - Capture d'écrans - par : Corinne Pélissier - Disciple d'Hamaguchi et passionné de longue date par les questions de migration et d'identité, le Japonais Akio Fujimoto s'intéresse dans "Les Fleurs du Manguier" au sort des Rohingyas, qu'il filme à hauteur d'enfants. Entre documentaire et fiction, un véritable bijou. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Rendez-vous avec le rappeur Orelsan, à l'occasion de la sortie de son nouvel album La fuite en avant  et de son long métrage « Yoroi ». Retour sur ses 25 ans de carrière, de ses questionnements existentiels et doutes jusqu'à ses nombreuses victoires. (12 Victoires de la musique, 4,5 milliards de streams dans le monde, plus de 840 millions de vues YouTube, 13 singles d'Or, 10 singles Platine, 12 singles Diamants, 1 album Diamant, un autre double Diamant, un triple Diamant, 1 album Platine et 18 Bercy au compteur dont 10 prévus déjà complets du 9 au 20 décembre 2026). Dans cet épisode : Ninho, Gringe, Denise & Shyn ainsi que Manu Lanzi offrent les vidéos surprises.

Gabriella Greison"La lunghezza d'onda della felicità"Una storia di fisica quantistica, cambi di frequenza e rinascite personaliMondadori Editorewww.mondadori.itIn questo nuovo racconto, tra romanzo scientifico e diario filosofico, Gabriella Greison ci accompagna in un viaggio alla scoperta dell'essenza più intima della realtà: quella che non si lascia catturare da una sola forma, perché è sempre due cose insieme.Tutto parte da un'intuizione di Louis de Broglie, tra i più giovani creatori della fisica quantistica, premio Nobel nel 1929: l'idea che ogni particella abbia un'onda associata. Un'intuizione nata in solitudine, tra le stanze fredde di un palazzo parigino, e accolta inizialmente con scetticismo, ma che cambierà per sempre la fisica e il modo di pensare noi stessi. Perché quell'onda, oggi, è anche metafora della nostra esistenza.Lungo le pagine, si incrociano la storia del giovane de Broglie e quella di una donna di oggi che cerca nella fisica quantistica un modo per decifrare il caos del mondo e per riflettere sul significato della vita e sulla ricerca della felicità. È possibile vivere come un'onda? Significa fluire o significa perdersi?E se fossimo tutti fatti per oscillare tra due nature: razionali e poetiche, materiali e spirituali, corpuscoli e onde? Chi ha deciso che dobbiamo scegliere? E la coscienza che ruolo ha in tutto questo?Attraverso ricerche inedite, riflessioni esistenziali e viaggi reali (nei luoghi di de Broglie, nei laboratori, nell'intelletto), questo libro racconta la fisica quantistica come non è mai stata raccontata: non solo come scienza, ma come lente per guardare in modo nuovo l'esistenza. Perché la felicità, come una funzione d'onda, collassa solo quando la osservi. E nel momento in cui la fissi, smette di essere possibilità. Esiste finché resta libera.Gabriella Greison è tra le voci italiane più autorevoli del racconto della scienza. È fisica, scrittrice, attrice, conduttrice e narratrice di meccanica quantistica. Laureata in Fisica nucleare all'Università Statale di Milano, ha lavorato, tra l'altro, all'École Polytechnique di Parigi, uno degli atenei più prestigiosi al mondo per la ricerca dell'infinitamente piccolo. È per tutti la “Rockstar della Fisica”. È autrice di quattordici libri, fra cui: L'incredibile cena dei fisici quantistici (Salani), Sei donne che hanno cambiato il mondo (Bollati Boringhieri), Einstein e io (Salani); per Mondadori ha pubblicato Ucciderò il gatto di Schrödinger, Guida quantistica per anticonformisti, Ogni cosa è collegata, La donna della bomba atomica e Dove tutto può accadere. Da ogni libro ha tratto un monologo o uno spettacolo teatrale e in teatro ha recitato anche a San Francisco, Zurigo, Vienna, Cambridge. Ha ideato e condotto trasmissioni televisive, programmi radio e podcast. È stata inserita da “Forbes” nella classifica delle 100 donne di successo del 2024.Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.IL POSTO DELLE PAROLEascoltare fa pensarehttps://ilpostodelleparole.it/

Fred and Tracy Rewey share their 2025 seller financing market data With $29.5 billion in new notes created and home sales at a 30-year low, the big story is resilience. They cover LTV trends, top states, the mom-and-pop vs. professional note creator breakdown, the impact of ITIN lending changes, and their outlook for 2026. Get the seller finance report: https://noteinvestor.com/notes-101/seller-financing-2025-industry-report/ Call The Underwriter Register for the weekly Call The Underwriter onboarding call, every Thursday at 12 ET

Millions of illegal aliens flooded into America during the Biden administration and previous years.    They were given cash, food, shelter, and many other benefits.    There is even a scholarship specifically for illegals. The Dream US is the nation's largest program for undocumented immigrant students. Illegals get $33,000 for a bachelor's degree. They have awarded over 12,000 scholarships to date.   The lynchpin for these giveaways is the Individual Taxpayer Identification Number or ITIN. This is a quasi-Social Security number given only to foreigners.   ITIN's also enable illegal aliens to purchase homes, often financed with taxpayer dollars. Our government even advised illegal aliens on how to buy homes against American citizens. The Consumer Financial Protection Bureau advertised that some lenders had mortgage programs tailored for ITIN holders without proof of legal residency on their website.   This put illegal aliens in direct competition with American citizens.The US already had a housing shortage. This competition further drove up housing prices.    The H-1B visa is marketed as a global talent program, yet 71% of all approvals go to one country, India.   This is not global. This is a pipeline from one country to outsource cheap labor.    Companies must sign a form under oath they can't find qualified Americans to hire an H-1B worker.   The top 5 companies over the past 15 years stated 314,100 times no American were available. They fired 99,000 Americans at the same time.   Dream Home Mortgage advertises H-1B Visa mortgages with no US credit.    This further creates more competition for homes with US citizens and drives up prices.     JP Morgan recently released a study titled "Annuities Improve Outcomes"   The study compared a number of scenarios replacing the bond portion of a 60/40 equity/bond portfolio to variable annuities and fixed-index annuities.   The likelihood of success of not running out of money in retirement was lowest with the 60/40 equity/bond portfolio.    Variable annuities improved the likelihood of success.   Fixed index annuities provided the highest likelihood of success of not running out of money in retirement in every scenario.   The JP Morgan study did not compare using the best fixed index annuity products available.    Contact Ferenc at ferenc@yourpersonalbank.com or 268-268-4422 to find the best index annuity product available for your situation.

Fiscalía propone defensores públicos en el caso de Maduro. Irán rechaza el alto al fuego de Estados Unidos y propone su propio plan. Vacuna contra Lyme logra eficacia en pruebas avanzadas. Un joven de 15 años asesina a dos maestras en la escuela de México. Aumenta el crédito por hijos, pero excluye a padres con ITIN. Conoce los posibles riesgos de la marihuana en los jóvenes. Ponte al día con lo mejor de ‘La Edición Digital del Noticiero Univision' con Carolina Sarassa y Borja Voces.

Quand les nazis spoliaient les objets du quotidien Quand l'historienne Sophie Juliard, qui travaille sur le pillage des ateliers d'artistes sous l'Occupation, la contacte, Adrianna Wallis découvre, quatre-vingts ans après les faits, que sa famille a été spoliée. Elle savait que Diane Esmond, sa grand-mère paternelle, était peintre, mais avait presque oublié qu'elle était juive. Après le départ précipité de celle-ci pour New York, l'appartement parisien qu'elle occupait a été entièrement vidé par l'administration nazie, comme 38 000 autres dans la capitale : les toiles ont disparu, mais aussi le mobilier et jusqu'aux moindres objets du quotidien. Pour Adrianna, elle-même artiste, ce passé familial refoulé résonne étrangement avec son travail, elle qui n'a cessé, sans trop comprendre pourquoi, d'interroger l'absence, le vide laissé par la disparition d'objets chers. En tissant enquête intime, archives et les réflexions du physicien Joël Chevrier, Adrianna Wallis remet en mouvement cette histoire longtemps tue et interroge ce qui se transmet, parfois à notre insu, d'une génération à l'autre. Bibliographie : - Images d'un pillage, de Sarah Gensburger, Editions Textuel, 2010 ; - Des camps dans Paris de Jean-Marc Dreyfus et Sarah Gensburger, Fayard, 2003. Pour aller plus loin : - La performance 11 petites soucoupes, réalisée en 2024, au Musée d'art et d'histoire du Judaïsme, Paris ; - Conférence Il restera la gravité en 2025, à l'INHA, Paris ; - L'exposition d'Adrianna Wallis et Diane Esmond Il restera la gravité, du 5 mai au 16 juin 2026 à la galerie Anne-Laure Buffard, Paris ; - L'accrochage Itinéraires d'œuvres spoliées – Diane Esmond et Fédor Löwenstein, jusqu'en 2028, au Musée d'art et d'histoire du Judaïsme, Paris. Remerciements : Sylvie Harburger, Hélène de Gunzbourg, Andrew Strauss, Joël Chevrier, Sophie Juliard, Sarah Gensburger, Margaux Dumas, les Archives nationales, le Musée d'Art et d'Histoire du Judaïsme, Anne Rousseau, Pascale Samuel, Eloïse Duguay, Marie Bastide, Grégoire Meschia, Fabrice Lorendel, Elise Patton, Léonard Ballesteros, Mila Renno Lehr, Alissa Deleverora, Perrine Kervran, Agathe Chion, Marie Dalcol, Camille Bondon, Sarah Deslande, Mathilde Wallis, Clémence Beraud, et le Centre National des Arts Plastiques. Enregistrements mai 2025 Entretien Adrianna Wallis, Eloïse Duguay Montage Adrianna Wallis Réalisation et mixage Charlie Marcelet Illustration Gloria Avril Production ARTE Radio

Antonella Presutti"La nebbia sale dalla terra"Arkadia Editorewww.arkadiaeditore.itIn fondo a una strada piena di curve e frane che unisce i borghi di Salcito e Bagnoli, resiste un vecchio casino di campagna, la Cipressina, affacciato sulla valle del Trigno. Nonostante l'abbandono, il giardino è ancora vivo e rigoglioso. Tavoli, sedie di pietra, vasi che gettano fiori, la vita che sopravvive alla vita. È qui che un tempo vivevano nobili e personaggi di spicco come la scrittrice Lina Pietravalle. Ed è qui, sullo sfondo di un Molise fra realistico e favoloso, che lei, don Ferdinando, donna Rosa e gli altri tornano per raccontare la loro storia. Le loro voci, come nebbia che sale dalla terra, un coro che testimonia l'impossibilità di ogni esistenza di spegnersi nell'oblio.Antonella PresuttiÈ nata e vive a Campobasso. Docente di lettere, si occupa di cultura e ricerca letteraria. È presidente della Fondazione Molise Cultura che ha, come finalità, anche la promozione di festival, mostre e convegni a livello nazionale e internazionale. Tra le sue opere di narrativa ricordiamo Stabat Mater (Edilet, 2011), Nevica poco e male (Gilgamesh edizioni, 2017). Nel 2021 Arkadia ha pubblicato Il rianimatore. Dal suo lavoro letterario La nebbia sale dalla terra (2026) è stato tratto lo spettacolo omonimo con Paolo Benvegnù e Miro Sassolini.Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.IL POSTO DELLE PAROLEascoltare fa pensarehttps://ilpostodelleparole.it/

Andrea De Maria"A partire da Marzabotto"Fare politiche della memoria tra impegno civile e istituzionia cura di Eloisa BettiEdizioni Pendragonwww.pendragon.itIn questa intervista Andrea De Maria ripercorre la propria storia personale e politica, dal radicamento nella Bologna degli anni Ottanta all'esperienza di sindaco di Marzabotto, fino all'impegno parlamentare per la tutela e la trasmissione della memoria. Attraverso il ricordo dei maestri, dei partigiani e delle figure che lo hanno accompagnato, emerge il filo rosso di una vita dedicata al servizio pubblico e alla difesa dei valori democratici. Marzabotto diventa così non solo un luogo, ma un simbolo da cui ripartire per leggere il presente e le sue sfide, un punto di incontro tra storia, giustizia e riconciliazione. De Maria mostra chiaramente come la memoria della Resistenza non appartenga solo al passato, ma continui a interpellare chi crede nella dignità, nella pace e nella responsabilità collettiva. Un racconto che unisce emozione e lucidità, e invita il lettore a trasformare il ricordo in impegno civile vivo e quotidiano.Andrea De Maria è stato sindaco di Marzabotto per due mandati, dal 1995 al 2004, e per cinque anni presidente del Parco storico di Monte Sole. Dal 2004 al 2009 è vice-presidente della Provincia di Bologna. Nel 2006 viene eletto segretario dei Democratici di Sinistra della federazione di Bologna, collaborando alla nascita del Partito Democratico. Dopo essere stato consigliere comunale di Bologna nelle liste del PD, nel 2013 viene eletto alla Camera dei Deputati nella circoscrizione Emilia-Romagna, poi confermato alle elezioni politiche del 2018 e del 2022. Nella XIX legislatura è tesoriere del gruppo parlamentare PD alla Camera. Per Pendragon ha pubblicato, insieme a Virginio Merola, il volumetto Insieme per un campo democratico e progressista (2017) e A partire da Marzabotto. Fare politiche della memoria tra impegno civile e istituzioni (2026).Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.IL POSTO DELLE PAROLEascoltare fa pensarehttps://ilpostodelleparole.it/

durée : 00:01:41 - Le vrai ou faux - Plusieurs fausses informations circulent sur Bally Bagayoko, depuis son élection au premier tour des élections municipales à Saint-Denis. Itinéraire de ces infox, de l'extrême droite aux plateaux télé. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Episode 80:  In this episode, Timalyn covers what an IRS IPIN is, who is eligible to get one, and how it is used.What is an IRS IP PIN?An IRS IP PIN is an Internal Revenue Service Identity Protection Personal Identification Number. The IRS issues these to taxpayers to help protect someone else from filing a tax return with their social security number (SSN) or individual taxpayer identification number (ITIN).The IP PIN is required to determine whether the taxpayer is filing their return electronically or by paper. If the IP PIN is not present for an e-file, the return will be rejected. If it is not present on a paper filing, a delay will be caused until the taxpayer sends in their IP PIN. Anyone who has a SSN  or ITIN and can verify their identity can apply for an IP PIN from the IRS. Parents and legal guardians can also request one for their dependents. This is not limited to minor dependents.How to apply for an IRS IP PINThe fastest way to get an IP PIN is online via your IRS account. If you don't have an account, check out this article Timalyn wrote for people who need an account to access their transcripts: How to Get an IRS Transcript Online in 3 Steps . You cannot use this method if you are applying for a minor dependent.Once logged into your account, you can request an IP PIN from your profile. If you can't verify yourself online, you can apply with an application via Form 15227, Application for Identity Protection Personal Identification Number. To use this method taxpayers must have:A valid SSN or ITINAn adjusted gross income (AGI) under $84,000 (Single) or $168,000 if Married Filing Joint. Access to a telephone If these criteria aren't met the final way to request an IRS IP PIN is in person. An appointment can be made at your local Taxpayer Assistance Center. The IRS has a list of acceptable forms of identification you'll need when going to your appointment. Here is a link to the list - Acceptable Documents to Prove Identity. Key IRS IP PIN things to RememberAn IP PIN is only valid for one calendar year.The IRS issues a new IP PIN via Notice CPO1A unless you've opted out of paper mail. Then it will just be uploaded to your IRS account and is available January - November.Your Federal tax return cannot be filed and processed without your IP PIN Need Tax Help Now?If you need answers to your tax debt questions, book a consultation with Timalyn via her Bowens Tax Solutions website.  Click this link to book a call.Please consider sharing this episode with your friends and family.  There are many people dealing with tax issues, and you may not know about it.  This information might be helpful to someone who really needs it.  As we conclude Episode 80, we encourage you to connect with Timalyn on social media. You'll be able to subscribe to this podcast on Spotify, Apple Podcasts, YouTube, and many other podcast platforms.  Remember, Timalyn Bowens is America's Favorite EA, and she's here to fill the tax literacy gap, one taxpayer at a time.  Thanks for listening to today's episode.For more information about tax relief options or filing your taxes, visit https://www.Bowenstaxsolutions.com/ .If you have any feedback or suggestions for an upcoming episode topic, please submit them here:  https://www.americasfavoriteea.com/contact.Disclaimer:  This podcast is for informational and educational purposes only.  It provides a framework and possible solutions for solving your tax problems, but it is not legally binding.  Please consult your tax professional regarding your specific tax situation.

Manlio Graziano"Come si va in guerra"Propaganda, interessi, ideologie: cosa infiamma lo scontro tra potenzeMondadori Editorewww.mondadori.itIn un'epoca in cui si parla sempre più spesso di guerra – persino di un possibile conflitto mondiale o nucleare – il rischio più subdolo è la sua banalizzazione. Da una parte il riarmo di molti paesi suscita ansia, dall'altra le immagini di città rase al suolo e le dichiarazioni infuocate producono assuefazione. In questo clima, il segretario generale della NATO Mark Rutte invita a adottare un wartime mindset, a prepararsi mentalmente al conflitto che potrebbe attenderci. Per non lasciarsi travolgere, è necessario porsi una domanda: come si va in guerra? Partendo dall'esperienza storica, Manlio Graziano esplora i meccanismi di manipolazione psicologica e ideologica che spingono individui e società non solo ad accettare la guerra, ma perfino a invocarla. Dalla costruzione del nemico all'illusione rassicurante di essere sempre dalla parte del giusto, dalle dinamiche identitarie alla potenza emotiva della paura, il libro indaga come il conflitto trovi terreno fertile nei nostri automatismi mentali. Parallelamente, Graziano ricostruisce il processo di deterioramento degli equilibri internazionali: l'erosione della cooperazione tra grandi potenze, l'esplosione di crisi regionali, il moltiplicarsi dei «governi degli incapaci» che non possono che aggravare la situazione. Ci offre così una chiave storica per interpretare gli attuali rapporti di forza, gli interessi economici, le visioni del mondo che alimentano lo scontro e trasformano un conflitto tra grandi potenze in un esito pensabile, persino plausibile. Il risultato è un saggio essenziale per orientarsi nel presente e guardare al futuro con più consapevolezza. Con rigore, ampiezza di sguardo e la necessaria distanza critica, Graziano ci accompagna dentro la seduzione della guerra per mostrarci come ci siamo arrivati, e come possiamo ancora resisterle.Manlio Graziano, analista geopolitico, è stato docente alla Paris School of International Affairs di SciencesPo, alla Sorbona e all'American Graduate School. Insegna all'Università Bicocca di Milano, al Geneva Institute of Geopolitical Studies e all'Université ouverte di Versailles. Dirige il Nicholas Spykman International Center for Geopolitical Analysis, scrive sul «Corriere della Sera», «Appunti di Stefano Feltri», «Gnosis» e «International Affairs Forum». È autore di numerosi saggi e monografie, tradotti in varie lingue, tra cui: Italia senza nazione? (2007), Guerra santa e santa alleanza (2015), L'isola al centro del mondo (2018), Geopolitica (2019), Geopolitica della paura (2021). Da Mondadori ha pubblicato Disordine mondiale (2024).Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.IL POSTO DELLE PAROLEascoltare fa pensarehttps://ilpostodelleparole.it/

Ester Hueting"Premio Tribùk"www.tribuk.itIn occasione della IX edizione della manifestazione «Tribùk. Incontri tra editori e librai» in programma ad Abano Terme dal 15 al 18 marzo 2026, verrà presentata l'edizione 2027 del «Premio Tribùk delle Librerie», un riconoscimento unico nel panorama editoriale italiano che vuole porre l'attenzione sull'importante ruolo che libraie e librai rivestono nell'ambito della promozione della lettura e della bibliodiversità editoriale.Il Premio, organizzato dall'Associazione Tribùk in partnership con Etica SGR (Gruppo Banca Etica), si distingue per la sua Giuria composta esclusivamente dalle libraie e dai librai che partecipano annualmente alla manifestazione «Tribùk. Incontri tra editori e librai»Ciascuna casa editrice iscritta alla manifestazione di Abano Terme potrà candidare un solo titolo, tra le opere pubblicate nel 2026, nelle seguenti categorie:NarrativaNon-fictionLibri per bambini e ragazzi (fascia 0-13 anni).Nelle giornate dal 15 al 18 marzo 2026 verrà presentata la Giuria di Selezione che sarà composta, proporzionalmente alle diverse tipologie presenti, dai rappresentanti di 15 librerie sorteggiate tra quelle partecipanti all'evento.I vincitori della II edizione del «Premio Tribùk delle Librerie» saranno scelti dalla Giuria del Premio composta da tutti i librai e dalle libraie presenti alla decima edizione di «Tribùk. Incontri tra editori e librai» nel 2027, tramite uno scrutinio pubblico.«Tribùk. Incontri tra editori e librai» è un'iniziativa che vuole mettere il libro al centro del dialogo tra editori e librai. Ogni anno il programma è composto da panel, tavole rotonde, presentazioni di cataloghi, bozze di libri in uscita e le ultime novità.Il tutto avviene secondo un timing ben definito, con incontri a rotazione tra editori e librai, e con cellulari rigorosamente silenziati, lontano dal rumore di fondo delle fiere e dei festival.Tribùk è un'associazione fondata nel 2016 da professionisti con diverse esperienze nel mondo dell'editoria italiana. Ogni anno l'associazione organizza un evento di più giorni per promuovere l'incontro tra editori e librai provenienti da tutta Italia.Diventa un supporter di questo podcast: https://www.spreaker.com/podcast/il-posto-delle-parole--1487855/support.IL POSTO DELLE PAROLEascoltare fa pensarehttps://ilpostodelleparole.it/

durée : 00:10:01 - Le Point culture - par : Marie Sorbier - Depuis sa création "La Comédie Itinérante" n'a eu de cesse d'aller à la rencontre de tous les publics dans les moyennes et petites villes de la Drôme et de l'Ardèche, pour proposer les formes de théâtre les plus exigeantes et les plus passionnantes. - réalisation : Laurence Malonda - invités : Alain Chambart Membre de la salle de spectacles la Bergerie de Peyrache

durée : 00:05:57 - Le Point culture - par : Marie Sorbier - Depuis sa création "La Comédie Itinérante" n'a eu de cesse d'aller à la rencontre de tous les publics dans les moyennes et petites villes de la Drôme et de l'Ardèche, pour proposer les formes de théâtre les plus exigeantes et les plus passionnantes. - réalisation : Laurence Malonda - invités : Alain Chambart Membre de la salle de spectacles la Bergerie de Peyrache

durée : 00:05:57 - Le Point culture - par : Marie Sorbier - Depuis sa création "La Comédie Itinérante" n'a eu de cesse d'aller à la rencontre de tous les publics dans les moyennes et petites villes de la Drôme et de l'Ardèche, pour proposer les formes de théâtre les plus exigeantes et les plus passionnantes. - réalisation : Laurence Malonda - invités : Alain Chambart Membre de la salle de spectacles la Bergerie de Peyrache

Le 11 février, Frédérick Quinton est arrêté en Charente-Maritime. Il faisait l'objet d'un mandat d'arrêt depuis sa condamnation en son absence à deux ans de prison ferme en juin 2025 pour escroquerie. Après une première arrestation en novembre 2023, il avait profité de sa remise en liberté en attendant le procès pour s'évaporer dans la nature et faire de nouvelles victimes.Romain, Aurélien, Maël… Depuis des années, cet homme de 47 ans multiplie les identités pour séduire des femmes et tromper des particuliers dans les campagnes françaises. Cette affaire a été révélée par Radio France et les victimes comptent maintenant engager une action collective contre lui.Code source revient sur cette affaire avec Lucie de Perthuis, journaliste au service police justice du Parisien.Écoutez Code source sur toutes les plates-formes audio : Apple Podcast (iPhone, iPad), Amazon Music, Podcast Addict ou Castbox, Deezer, Spotify.Crédits. Direction de la rédaction : Pierre Chausse - Rédacteur en chef : Jules Lavie - Reporter : Barbara Gouy - Production : Thibault Lambert, Barbara Gouy et Anaïs Godard - Réalisation et mixage : Julien Montcouquiol - Musiques : François Clos, Audio Network - Photo : DR - Archives : France Inter. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

#278 - Life Will Interrupt Your Training — Plan for ItIn this episode, we are talking about: Planning for life's uncertainties, AC Race Series & Shout Out to Pat DumadagLet's Dive In. Would You Like To Support the Show? https://www.runtothebestyou.com/sponsors❤️If you love this episode, please share it on your Instagram stories and tag me at @coachtadris Please rate and leave a review on Apple Podcast. Thank you. HOW WE CAN WORK TOGETHER Create Memories With Us!Start Your Journey With Coach Tadris Start Your Running Journey, Or Ask About The AC Race Series Discounts https://www.runtothebestyou.com/coach-tadrisLEAVE A MESSAGE FOR SHOW (Voice or Text) @ coachtadris@gmail.com FREE RESOURCES: 101 HEALTH TIPS: https://www.runtothebestyou.com/news-notes/160-running-list-of-101-tips-to-better-your-healthBLOGS: https://www.runtothebestyou.com/news-notesWEBSITE: www.runtothebestyou.com FACEBOOK: https://www.facebook.com/tadris.parkerTIKTOK: https://www.tiktok.com/@tadrisparkerThanks For Listening And Remember, Keep Calm And Run To The Best You! - Coach Tadris

If you feel like you keep starting over, this episode is for you. Most high-achieving women assume the problem is discipline.So they try harder. Push more. Tighten the plan. Start again. But the truth?You don't lack discipline.You lack clarity, predictability, and strategy.And without those three things, even the most driven women end up:following feelings instead of factsjumping between planscomparing themselves to everyone elseworking incredibly hard… with little progress to show for itIn today's episode, I'm breaking down:Why “just try harder” keeps failing womenThe biggest mindset shift between chasing fat loss and living leanWhy fat loss should be a temporary phase — not a lifestyleHow to build a plan that actually creates consistency, confidence, and resultsBecause your body is forever. Fat loss is just a phase.And when you finally understand that…everything changes.If you're ready to stop starting over and start building a clear path forward, this episode will show you where to begin.Schedule your free nutrition consult by clicking the link HERE https://api.leadconnectorhq.com/widget/bookings/free-coaching-consult-1Follow me on instagram: https://www.instagram.com/cherylnasso/Join my community: https://www.facebook.com/groups/294530606718030

durée : 00:28:41 - LSD, la série documentaire - par : Perrine Kervran - Des plateaux du Tibet à Kiev, en passant par l'Afrique du Nord et Marseille, quelles routes a suivies l'épidémie de 1347, jusqu'où est elle allée et surtout quelle est sa véritable chronologie ? - réalisation : Anne Perez

This week we're back again with Coach Mike Neighbors, and this time going through his lists of Top 3's sparking conversation on culture, leadership, game coaching, and a little life outside of basketball.There's life lessons and practical insights to challenge us as coaches to think differently, grow our experiences, and be better both on and off the court for ourselves and our players.Show Notes:Why create listsDefining culture and how to build itIn-game coaching tipsFavorite team shooting drillsLeadership lessons, delayed gratification, and adding valueReading, learning, and finding information that shapes better decisionsLife outside basketball, including hobbies and finding balancePersonal favorites in movies, TV shows, books, food, and travelReflections on coaching longevity, mentorship, and saving basketballSend us a Message. If you'd like us to reply, include your contact info.After analyzing over 100 million shots, basketball data scientists at Noah Basketball have uncovered the formula of the perfect shot, helping players on 28 of 30 NBA teams improve their accuracy faster than ever before.This same patented shot-tracking technology is now available to you in the Noah Backboard for a fraction of the cost. Learn more today at noahbasketball.com. Inquire while supplies last! If you know a serious, dedicated point guard who could benefit from learning how to think the game, make sure they know our 2026 summer camp schedule is now available online. The first 2,500 players to register when camp opens on Jan 26th will receive a $100 discount. Learn more at pgcbasketball.com/camp-schedule

durée : 00:39:01 - L'Invité(e) des Matins - par : Guillaume Erner, Yoann Duval - Alexandre Devecchio, journaliste au Figaro, publie "Nous vivions côte à côte. Itinéraire d'un 'petit blanc' de banlieue" (Fayard) et raconte son enfance à Épinay-sur-Seine. Un récit confronté à la vision de Féris Barkat, cofondateur de Banlieues Climat. - réalisation : Félicie Faugère - invités : Alexandre Devecchio Rédacteur en chef du service débats du Figaro et du Figaro Magazine; Féris Barkat Activiste, enseignant à la Sorbonne, cofondateur de l'association Banlieues Climat

durée : 02:29:19 - Les Matins - par : Guillaume Erner, Yoann Duval - Ce matin sur France Culture, à 7h40, Guillaume Erner reçoit Alexandre Devecchio pour son livre "Nous vivions côte à côte. Itinéraire d'un 'petit blanc' de banlieue" (Fayard) et l'activiste Féris Barkat. A 7h17, Thierry Pouch nous explique pourquoi les Etats recommencent à stocker de la nourriture. - réalisation : Félicie Faugère

Non-US residents are rejected by payment processors every day — even with an ITIN.Maria explains why platforms like Stripe approve non-resident businesses quickly but shut them down just as fast, and why an ITIN alone doesn't solve the real risk issues processors care about. From chargebacks and collections to credit exposure and compliance, Maria breaks down what actually determines whether a non-resident can keep payment processing long-term — and what to do if you don't qualify yet.____________________________________________

As we step into a new year, now is the perfect time to start fresh-and that includes safeguarding yourself against tax identity theft. Everyone is at risk of falling victim to tax identity theft, and thousands of Americans are impacted by this crime each year. Fraudsters often target taxpayers early in the year, hoping to take advantage of the busy tax season preparations.  Links: Get started on this year's taxes, consider filing through IRS Free File Guided Tax Software IRS tips for finding a trustworthy tax professional Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Welcome to Money Tip Tuesday from the Making Money Personal podcast.   According to the IRS, tax-related identity theft occurs when someone uses your stolen personal information, including your Social Security number (SSN), to file a tax return claiming a fraudulent refund. A successful scammer can create an online return using your SSN, even if they don't spell your name right. Once the fraudulent account is established, they can not only use it to file taxes on your behalf and receive your refund but also to receive future payments from the federal government. The criminals are adept at using accounts that funnel money into prepaid debit cards so that it is untraceable and unrecoverable.  Here are five tips to help you avoid becoming the next victim and help protect yourself against tax-related identity theft.  Secure Your Personal Information.  Keep your Social Security number (SSN) or individual tax identification number (ITIN) in a secure location. When asked for these numbers, be skeptical and verify that it is a legitimate need. Additionally, keep your home computer security software up to date, and run regular software updates on your connected devices, including the seemingly less risky ones like smartwatches.  File Your Taxes Early and Securely.  The sooner you submit your tax return, the harder it is for fraudsters to submit a fake one in your name. As soon as you have the necessary documentation, go ahead and take care of this right away. Always file taxes through a reputable service and use a secure internet connection if filing online; avoid transmitting such sensitive information through public Wi-Fi. You may consider filing through IRS Free File Guided Tax Software. If you feel more comfortable relying on a professional to prepare your tax return, choose your tax preparer with care.  Monitor Your Financial Statements, Mail, and Email.  Regularly check account statements for any unusual activity. Your first sign of tax identity theft this season will usually be a letter from the IRS after filing your return, informing you that one has already been filed using your SSN. Year-round, expected payments that are not received are another sign to watch for. Also be mindful of any tax reporting documents from employers you have never worked with. Rather than ignoring them, follow up to ensure someone else hasn't stolen your identity and taken a job using your information.  Communicate with Caution.  Beware of unsolicited emails, phone calls, or text messages asking for personal information, and verify the source before you respond. Remember, the IRS will never initiate contact with taxpayers by email, text, or social media to request personal or financial information, including your taxpayer Identity Protection PIN, nor will they ever threaten lawsuits or arrest.  Create an Online Account at the IRS Website.  Visit the IRS online account website (www.irs.gov) to create your account now and monitor it regularly. While a lot of personal information is required to create the account, once you have done so, you can monitor your tax activity throughout the year, including if a return has been filed in your name. Through your online IRS account, you can then request an Identity Protection PIN (IP PIN). Once established, the PIN must be included on your federal tax return in order for it to be processed as valid.  Remember, even with all these precautions, tax-related identity theft can still happen. That's why Triangle Credit Union offers Fully Managed Identity Theft Recovery services for Better Checking account holders. If you suspect your identity has been compromised or you suspect identity theft for any reason, Identity Theft Recovery Advocates will help you recover and mitigate any damage. Learn more about Better Checking at trianglecu.org or click the link in the show notes.   If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

You Recovered From Your Eating Disorder, So Why Are You Still Anxious?This is a solo episode that hits different.I'm addressing something I'm hearing from clients constantly: "I've stopped restricting. I'm eating freely. I haven't binged or purged in months. I'm doing all the work, Victoria, but I'm still having panic attacks. I'm still depressed. Sometimes I'm more anxious now than when I had the eating disorder. Have I done something wrong?"The answer is no. You've actually uncovered what was there all along.This episode is for you if:• You're recovered (or nearly recovered) but still struggling with anxiety, depression, panic, or shutdown• You feel like recovery was supposed to fix everything, but you're still a mess• You're wondering if you failed at recovery or if something's wrong with you• The eating disorder was actually numbing what's underneath• You're grieving the loss of your coping mechanism• You want to know what the fuck to do about itIn this episode, we cover:✨ Why recovery can actually make anxiety and depression feel worse✨ The eating disorder as a coping mechanism — what it was really managing✨ The window of tolerance and nervous system dysregulation explained✨ Why your nervous system is swinging between panic and shutdown✨ Hyper arousal vs hypo arousal — and which bank you're hitting✨ How trauma and childhood overwhelm shaped your window of tolerance✨ Why the eating disorder communicated what you couldn't say✨ You are NOT a victim to your nervous system — you can manage it✨ Up-regulation tools for when you're flat, numb, and depressed✨ Down-regulation tools for when you're panicking, anxious, and overwhelmed✨ The STOP skill from DBT — interrupt the automatic response✨ Natural reframes to stop the shame spiral✨ How to widen your window of tolerance intentionally and slowly✨ It's not about avoiding the banks — it's about your relationship to them✨ Practicing at your edge consistently until it expands✨ Using fear foods as nervous system expansion work✨ Why this is the real recovery work nobody talks aboutPowerful quotes from the episode:

Episode Highlights With JustineHer background in cell membrane medicine and what she learned in thisUnderstanding mitochondria and phospholipids and fatty acidsWhat we don't understand about mitochondria and why they aren't just the powerhouses of the cell and what else they doEinstein: the environment determines how the particle behavesWhat the real biggest needle movers are for healthWhy she tries to use technology outside to minimize the downsidesWe really are a body of water that is regulated by light Mitchondria are sensors and 95-99% of conditions we see today are of mitochondria originThe biggest exposure to human health today is the exposure to non-native EMFs and blue lightLight and dark cycles are foundational for mitochondrial and overall healthWhy we were designed to be connected to natural infrared light (outdoor light) all day longMitochondria actually make subcellular mitochondria Vitamin D is a photoelectric signal that requires light, hydration, redox and more and how a supplement can't replicate this. Taking a supplement doesn't fix a deficiency, it ignores the entire system Why she is vehemently opposed to sunglasses and sunscreen outside of very isolated instances (like skiing and on a boat) and why we want that light on our skin and eyesNeuropsin receptors and why this natural light is so important What redox is- and if you're not able to detox it's because you've lost your voltageHow to support cell membrane and cellular voltage to naturally support redox and detoxMelanin is not just a pigment but a biological semiconductor and heavy metal chelatorWhy a tan is one of the most proactive things we can do in today's world! And melanin is protective against non-native EMFsHow phospholipids are so important and what we don't understand about themWhy it's imperative for us to be in the sunlight for healing How to support our cells with the right fats and why this is so foundationalThe membrane is the brain of the cell and supporting this makes a huge differenceHer take on fish oil and why she would never recommend or consume itIn nature, EPA and DHA are always found within a whole food matrix: fishWhat the cell danger response is and why this matters. The real story on cholesterol: “cholesterol over 200 isn't pathological- it's often a signal of metabolic competence. It's a marker of a nervous system with reserve, of mitochondria still making enough pregnenolone, steroid hormones, and brain lipids.”Resources MentionedMitochondrial Restoration Program Fatty Acid Biochemistry WebinarJustine on InstagramHealthy home lighting