Podcasts about Milestone

This week, we're joined by four of the teams that won the Carbon Removal Xprize Milestone award. On April 22nd, Xprize announced the 15 winners of the second round of their competition for carbon removal solutions. Each of these teams was been awarded $1 million to help them compete for the grand prize of $50 million, or 3 $30 million runner-up slots, which will be awarded three years from now. The grand prize winner may not be one of the 15 Milestone awardees, but these teams are a step ahead of the competition and have already demonstrated an ability to impress the Xprize judges. Of the 15 teams, six are building DAC solutions, three are sequestering CO2 from seawater, three are producing biochar, one is growing algae (stay tuned for more on that), one is utilizing enhanced weathering, and one encourages tree-planting. In the first segment, we spoke with: Steve Oldham, CEO of Captura, which is building plants that will extract co2 from ocean water and… Hans de Neve, CEO of Carbyon which is developing a novel machine design for a DAC system with a small footprint. In the second segment, we heard from two other Milestone-award winners: Jason Vallis, VP of External Relations Planetary which aims to use direct ocean capture to remove co2, reverse ocean acidification, and create renewable fuels and… Dave Hazlebeck, Founder & CEO Global Algae which uses algae farming to capture co2 and make products like polymers and displace farming operations, leading to the regrowth of rainforests. Joining Radhika to talk with these teams are Na'im Merchant and Susan Su.You'll learn about the CDR approaches these teams are using, what they are working on right now, how the $1 million prize will help them advance towards their goals, and what they think they need to do to win the grand prize in a few years. --- Send in a voice message: https://anchor.fm/carbonremovalnewsroom/message Support this podcast: https://anchor.fm/carbonremovalnewsroom/support

Jerry Paulson shares his reasons to get out and about in Winnebago County forest preserves this year.

The U.S. marks 1 million deaths since the beginning of the pandemic. Big names on the latest subpoenas in the January 6th investigation. And, Finland moves one step closer to joining NATO.

The US hits a million COVID deaths, but there is something fascinating about that which isn't being reported. +

A new hybrid to celebrate this milestone. A chat, a wrap-up, a recap and a thank you!

"Dark Crisis" continues in the Free Comic Book Day issue, a new Milestone book kicks off, and we marvel at the glory of dino superheroes. Titles discussed:"Dark Crisis" #0"Blood Syndicate Season 1" #1"Jurassic League" #1

Milestone week here for the boys as we reach episode 151. Not many podcasts have made it to 151 and many will argue that we absolutely shouldn't have, yet here we are. To celebrate, we start off with our usual yarns before we jump into an extended edition of #AskTCB, where we answer fan questions which includes a special guest appearance. Thank you all for sticking with us for 151 episodes and here's to 151 (and beyond) more! ___________________________________________________ SPONSORS

Do you know that triggering situations can result in a relapse? Host Tim Westbrook, MS, gives valuable strategies for safeguarding yourself from triggering situations and avoid a relapse. The first thing you need to understand is that addiction is a way to escape the pain. So you need to do your best to cultivate healthy relationships for a happy, serene life. Avoid conflicts as much as possible. The moment you feel any negative emotions creeping up on you, call a friend, therapist, or anyone you trust. Discuss your feelings so you won't have to end up relapsing. Tune in for more tips!

LIVE LONDON PODCAST TICKETS - https://sjm.lnk.to/TPSRickInstagram:https://www.instagram.com/therickshielsgolfshow/Watch the podcast: https://www.youtube.com/rickshielsgolfdailyGet in touch:podcast@rickshiels.com See acast.com/privacy for privacy and opt-out information.

Guest host, Fred Feistmann, interviews André on his milestone 30th interview episode.  Many say you don't find your voice until your 30th episode and that is exactly what Fred is discussing with André.  Fred pulls out the podcast's changes in direction and focuses from Episode 1 till now.  André never realized that The Impulsive Thinker Podcast is relatable to everyone - not only ADHD entrepreneurs. The Impulsive Thinker is sponsored by the Centre of ADHD Awareness, Canada.  Please donate here! We would like to hear from you!  Please send show ideas, questions, or feedback to questions@theimpulsivethinker.com and join our mailing list here!  Follow us on Facebook and LinkedIn. André Brisson can also be found on LinkedIn. Produced By Tactical Breakthroughs Show References: Episode 1: Introducing the Impulsive Thinker Podcast with Nicole Solitar Episode 25: Undiagnosed ADHD and Family with Zelia Brisson Episode 41: Entrepreneur Mental Health with Mark Fujiwara Episode 43: TABOO! Men and Mental Health with Mark Fujiwara Episode 55: Parenting and Entrepreneurs with Julia Waller Episode 56: Kids and Entrepreneurship

Today is a big Milestone for the Multiply Your Success Podcast. This is episode number 100! There is something about crossing that threshold from double digits to triple digits that makes an impact. I want to say thank you to all of our guests, to our staff and team members, and to you, our loyal listener for making this possible. I wanted to make sure we paused for a moment to thank you and all of the people that make this podcast possible.And, we have saved this interview with Richard Huffman specifically for this our 100th episode. If you recall in our very first episode, I interviewed my dad. If you haven't listed to that one, I think it is a great way to get to know yours truly a little better and also hear how the show has grown over the past 100 episodes. In today's episode, we interview Richard Huffman, founder of Celebree a national preschool franchise with more than 60 locations. Richard shares with us how he has applied his successful business practices to help him foster and cultivate great family relationships with his wife and children. You are going to love this interview and I challenge you to think about how you can apply some of these lessons to your own family and personal life.LINKS FROM THE EPISODE:Learn more about Celebree School: https://www.celebree.com/Connect with Richard Huffman: rhuffman@celebree.com Celebree franchise information can be found here:  https://www.celebree.com/franchising/If you are ready to franchise your business or take it to the next level: CLICK HERE.ABOUT OUR GUEST:Richard Huffman started Celebree School in 1994 and over the course of two decades, grew the brand from a single owned preschool into Maryland's largest, privately held chain of childcare centers. In 2019, Huffman expanded the Celebree School brand into a franchise model and after just two years, he has been able to award 60 new franchise territories in that time. The franchise brand has already received numerous industry accolades, including the 2021 Fran-Tastic 500 Award by FranServe, and is on track to open to 100 new schools by 2025.ABOUT BIG SKY FRANCHISE TEAM:This episode is powered by Big Sky Franchise Team. If you are ready to talk about franchising your business you can schedule your free, no-obligation, franchise consultation online at: https://bigskyfranchiseteam.com/ or by calling Big Sky Franchise Team at: 855-824-4759.

Visit our Patreon page to see the various tiers you can sign up for today to get in on the ground floor of AIPT Patreon. We hope to see you chatting with us on our Discord soon!NEWSDr. Strange…our THOUGHTS!DC Comics releases 'Dark Crisis' checklist and first 7 pages of FCBD Dark Crisis specialMarvel unveils Predator vs. Marvel variant covers‘Gwen Stacy' series to wrap up with ‘Giant-Size Gwen Stacy' #1‘Stranger Things Summer Special One-Shot' drops into comics shops on July 6thValiant announces ‘Ninjak: Superkillers' for February 2023Our Top Books of the WeekDave:Spider-Man 2099: Exodus (2022): Alpha (Steve Orlando, Paul Fry)Nubia & The Amazons: Coronation Special #1 (Various)Nathan:One Star Squadron #6 (Mark Russell, Steve Lieber)Spider-Man 2099: Exodus Alpha (Steve Orlando, Paul Fry)Standout KAPOW moment of the week:Nathan - Batman Beyond: Neo-Year #2 (Jackson Lanzing, Collin Kelly, Max Dunbar)Dave - Batman #123 (Josh Williamson, Howard Porter)TOP BOOKS FOR NEXT WEEKDave: Grim #1 (Stephanie Phillips, Flaviano)Nathan: Moon Knight: Black, White & Blood #1 (various)JUDGING BY THE COVER JR.Dave: Batman: Urban Legends #15 (Riley Rossmo Cover)Nathan: Batgirls #6 (Audrey Mok cover)Segment: Interview - Greg Pak, Khoi Pham, and Scott Hanna for Duo #1 May 17I understand Reggie Hudlin pitched you the idea, Greg, when you first heard it where did your mind wander surrounding the idea of having your romantic partner forever inside your head?What's it like working with Denys Cowan and Reginald Hudlin on this?What was your first entry into Milestone comics?Duo is set in a new location called Earth-M, what was the starting material for this world before you kicked things off?Greg and Khoi, you worked on Hercules together, what's it like getting the band back together for this project?Representation matters so much, especially in comics, with Kelly and David being Vietnamese-American and a Korean-American stuck inside one body, will we see an exploration of how they navigate their own family ties?Speaking of those creepy creatures, is that skin like a whale's skin? It looks squishy!The series seems well timed seeing as just a few days ago research came out about why humans tend to die around 80, how much research went into this project surrounding nanotech and health?Duo is about a superhero who gets their powers from an accident which got me wondering...which superhero is your favorite who got their powers from an accident?Koi and Scott you get to draw some creepy looking creatures and a super-suit, what has been the most fun to draw so far?

Mark Van Buren finishes his list of Top Ten Suspense and Thriller Movies. Chris and Mark talk Kentucky Derby picks. In the second half hour, Chris, ESQ, and callers talk about Honor Flight that recently celebrated taking the 250,000th Veteran to DC memorials.

Watch the video!https://youtu.be/p2R-enPVRzMIn the News blog post for May 6, 2022:https://www.iphonejd.com/iphone_jd/2022/05/in-the-news626.htmlHappy 50th To Us!Don't Use Your Dog's Name as Your PasswordUnlimited CoercionAirTag Bargain!FUN VIDEO #1: Skywalker SoundFUN VIDEO #2: Apple Fitness Studio Tour!Keynote Remote: Better Late Than Never!Brett's iTip: Setting Up TouchID for a New iPad AirJeff's iTip: Copy Only Part of the Text in an iMessageCorin Faife: Apple, Google, and Microsoft will soon implement passwordless sign-in on all major platformsLily Hay Newman: A Big Bet to Kill the Password for GoodAdam Engst: How to Help a Friend Whose Email Has Been Hacked to Send Scamsxkcd: Password StrengthChance Miller: AT&T increasing prices for wireless plans, here's who will be impactedApple: Behind the Mac: Skywalker SoundiJustine: Apple Fitness+ Studio Tour!In the News Episode #9: Apple's Watching Out for Your Heartbeat!Apple: Use Keynote Remote to control your Keynote presentationBrett's iTip: First the most important reminder - you can't have TouchID WITHOUT a passcode - you still ALWAYS need a passcode. When I used TouchID on an iPhone, I really only used one thumb, but with the iPad Air it makes sense to have multiple fingers for TouchID depending on the way that you're holding the iPad. You can go into Settings - TouchID & Passcode and add more fingers, and even rename the fingers that you've used for TouchID. You can even add a family member's finger to unlock your iPad. Jeff's iTip: You've always been able to copy an entire text message by tapping and holding and selecting “Copy” from the pop-up menu, but that copies all of the text in the message. If you only want to copy part of the text, create a screenshot of the text message and then in the screenshot drag your finger across the text to select and copy it - this works because the iPhone recognizes the text through the Live Text feature. (Hat tip to the Connected podcast #396) Brett Burney from http://www.appsinlaw.com Jeff Richardson from http://www.iphonejd.com Support the show

- Chinese Battery Companies Coming to the U.S.- Why Chinese Companies Are Investing in the U.S.- Geely Gets Into Smartphones- Ferrari Builds One-Off Exotic for Customer- Mercedes Builds One-Off for will.i.am- You Tell Us About Your EV Charging Experience- Nikola Passes Major Milestone- Jeep Co-Brands with Igloo- Hyundai Builds R and D Lab in Montana

In this video, we will discuss the price of Bitcoin, Ethereum, and the top altcoins. We'll take a look at the cryptocurrency markets and the latest crypto news.

This week we're comparing the two different types of levelling in D&D. Experience Points and Milestones. We'll delve into the pros and cons of both methods, how and why you should use each, and what to think about when planing ahead. Want to get involved? Support the Podcast on Patreon Find us on twitter: @WeSpeakCommon Email us at wespeakcommon@hotmail.com Visit us online at https://wespeakcommon.com/ Check out our Partners: The Dice Dungeon - Get beautifully crafted metal sets of dice for your D&D game at https://thedicedungeon.co.uk Use Code 'WeSpeakCommon' at checkout for 10% off your order while supporting the show. dScryb - Enhance your theatre of the mind with expertly crafter boxed text of monsters, locations and spells at https://dscryb.com Use Code 'COMMON' at checkout for 10% off your order while supporting the show. Podcast Theme: "Street Dancing" by Timecrawler 82 (freemusicarchive.org) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/

This week, Derek and Carmen wrap up the first 20 episodes dabbling in the MANY recurring topics in the history of Back to Square One. From Derek's situationships and broken upbringing to Carmen's hopes and dreams for her son as she enters into motherhood. In this episode, Derek contemplates the link between his search for and need to show affection and the absence of such affection in his childhood. Carmen and Derek compare Love Languages. Derek stresses his non-desire to have kids. Carmen and Derek discuss the future of Back to Square One with a special collaboration announcement at the end. This episode is sponsored by Schedule35 - your best microdosing source in North America. We've been huge advocates of the power of psilocybin and magic mushrooms for self-understanding and self-healing. If you guys are interested, feel free to use code 'BACKTOSQ1' on your checkout for 15% off @ https://www.schedule35.co

The New Zealand based part of ANZ's (ANZ) business increased its net profit by 18 per cent, representing a lift from $930 million to $1.1 billion dollars. The China lockdowns have forced Starbucks (SBUX) to suspend their guidance for the year. AMD (AMD) experiences 71 per cent sales growth in the quarter. www.sharesies.com For more share market news, subscribe to Lunch Money, Sharesies' bite-sized email update: https://www.sharesies.nz/lunch-money If you'd like to get in touch, for any reason at all, email recap@sharesies.co.nz or record a voice message: https://anchor.fm/sharesies2/message. Investing involves risk. You aren't guaranteed to make money, and you might lose the money you start with. We don't provide personalised advice or recommendations. Any information we provide is general only and current at the time. For specific advice, speak to a licensed financial advice provider.

Brett Griffin, T.J. Majors and Freddie Kraft return from a rain-delayed Dover Motor Speedway weekend and recap all the action. Justin Allgaier's highly anticipated No. 7 DBC car finally hit the track with a strong performance and runner-up finish. The guys share their thoughts on DBC car content and their positions as sponsors and competitors of the JR Motorsports machine. They also discuss the struggle between race start times and TV ratings after the Dover Cup race rained out. To start Spot on, Spot Off, the gang discusses Allgaier's performance during Saturday's Xfinity Series race. Hear what was going through their heads and why Freddie might have caused them to lose the race at the end. Next, NASCAR decided to not give teams an extra set of tires during the Cup Series race after cars were experiencing an excessive amount of wear. Was that the right or wrong call? Who was responsible for the excessive wear? Is added tire strategy good for the sport? The guys debate. AJ Allmendinger's loose tire caused a caution during green-flag pit stops late in the race. The spotters discuss why this was the most harrowing Next Gen tire situation yet and why it took long for NASCAR to display the yellow flag. Then, they talk about the severity of the loose tire penalty and how it should be changed. Ross Chastain's late block on Martin Truex Jr. on the final lap of the race sparked more conversation about Chastain's aggressive moves. Hear what the guys believe Chastain was thinking when he made the block and what it says about Truex for lifting. After 11 races, the guys talk about the current playoff and points standings. They decide which drivers are in must-win situations and whether or not there will be 16 winners before the playoffs. Finally, they talk about this upcoming weekend's throwback race at Darlington Raceway and NASCAR's decision to keep the car numbers slid forward. Thank you to our presenting sponsor Offerpad and partners Xfinity and RacingUSA.com for making this show possible.

Crazy but true, it's show number 200! I invited Patrick Leblanc to come and ask me all the questions he wanted about the show to celebrate this milestone.CreditsCover Heliotrope by Blue Dot Sessions is licensed CC BY-NC-ND 4.0.Your host is Timothée (Tim) Bourguignon, more about him at timbourguignon.fr.Gift the podcast a rating on one of the significant platforms https://devjourney.info/subscribeSupport the show (https://www.patreon.com/timbourguignon)

Wealthion just passed the 100,000 subscriber milestone! In this video, I share the plaque we received from YouTube and invite you to celebrate along with me in investing further in our future wealth. See the YouTube Video for the charts and graphics: https://youtu.be/QF-vH_UPqdM

In this episode of Solving Problems with Xalt, Xalt Solutions' industry specialist, Geoff Wakefield, interviews the team at TAG CXO on the idea of problem solving versus selling and the importance of having the right technology leader within the organisation to ensure a successful digital transformation.

LISTEN NOW!! Gabriel is one of those Individuals who didn't follow the typical path, he paved his own. When he started his career he had little aspiration to become CEO. One decision led to another and brought him to where he is today as CEO of Milestone; focused on carbon sequestration and sustainably managing energy waste streams. Gabriel grew up immersed in the chemical Industry, both his father and grandfather worked for Dow Chemical.Gabriel had a love for music and found himself having to decide which direction he wanted to take his life. He quickly came to realize he wasn't going to be the next rockstar but his love for math and science proved to be a more realistic path for him. He talks about following your passions all while figuring it out as you go, at times your passions might change but you only know till you try. Gabriel decided to pursue chemical engineering and dive headfirst into the business world. At 24 years old, right after 9/11 and the Enron collapsed , Gabriel packed up his bags and left Houston to move to New york. He struggled to find a job, he was in a new state during a recession and had a few months of savings left. Instead of leaving New York he kept pushing forward, 8 months later he landed a position in investment banking. Throughout Gabriel's story you can find where he connects each change in his life to the next movement in his career. While working in investment banking he learns about the oil and gas industry, particularly on the environmental waste management side of the business. He found himself learning more about the business while working at Three Cities Research. At this firm he was very hands on in helping companies grow to their full potential. Here is where his story changes, where he went from working as a partner to stirring up his own plans to start a business. Gabriel talks about calculated risks and how he applied this strategy throughout his career to becoming CEO of Milestone today. He shares the biggest lessons he learned along the way and the challenges he faced. He gives us his best advice and the impact his relationships have had on his success. Gabriel said, “ Develop strong relationships with the people that you work with and hang around, as you continue to build your career. I have found that my career has been built more off of the people that I've worked with rather than the companies that I've worked for and that's what carried me and a lot of people I know, through our careers”. Gabriel has over a decade of experience in the oil and gas environmental services industry. He is currently the President and CEO of Milestone Environmental Services, LLC. Prior to leading Milestone, Gabriel worked as an Operating Partner with Intervale Capital, now known as Amberjack Capital, an oilfield-focused private equity fund with $1.2 billion in assets under management, and a key investor in Milestone. He was previously the Executive Vice President of Strategy and Business Development for R360 Environmental Solutions, Inc., a national provider of environmental services to the E&P industry. At R360, Gabriel orchestrated the strategy and mergers and acquisitions work which led to the formation and rapid growth of the company, and directly managed Williston Basin operations. After R360 completed a $1.3 billion sale to Waste Connections, Inc., Gabriel assumed work with the buyer to help with the integration of the R360 business into Waste Connections. Prior to R360's formation in 2010, he was an investment professional with Three Cities Research, Inc., a mid-market private equity firm, where he was principally responsible for US Liquids of LA, LP, a regional oilfield waste treatment and disposal provider in Louisiana and Texas.Earlier in his career, Gabriel worked as an Associate Equity Research Analyst covering the global chemical industry at UBS Investment Bank, as a Petroleum Practice Fellow with McKinsey & Company a global strategy consultancy, and as an Associate at Purvin & Gertz, a Houston-based oil and gas consultancy. Gabriel holds a Bachelor's degree in Chemical Engineering from the University of Texas at Austin.Gabriel lives in Houston with his wife Mona, two daughters, and two Great Danes. He also is an elected member of the Advisory Board of the Energy Workforce & Technology Council (EWTC) and the Texas Oil & Gas Association (TXOGA) Board of Directors. Come hang out with us:Download on Apple Podcast——>> ClickDownload on Spotify———>>ClickConnect with Maisy and Jamie:Connect with Massiel Diez: Instagram | LinkedInConnect with Jamie Elrod: Instagram | LinkedInFollow FTB on Instagram | LinkedInJoin FTB NationIf your interested in working with us, please contact : flippingthebarrel@gmail.com To find out more about our mid-roll audio sponsor TechnipFMC please visit: TechnipFMCTo find out more about our pre-roll audio sponsor Varel Energy Solutions please visit: Varel EnergyTo find out more about website sponsor Nextier Energy Solutions please visit: Nextier Oilfield Solutions

This episode continues with our “industry spotlight series” where we focus on specific trends and opportunities in middle-market M&A transactions. Our previous episodes have covered four industries in which Colonnade has played a significant role as an M&A advisor to both buy-side and sell-side clients. We add F&I Agencies & Payment Plan Providers as industries where we deeply know the dynamics and players so as to provide exceptional service to clients who hire us to assist them in a transaction. Colonnade has studied the F&I Agencies and Payment Plan Provider markets for the last 20+ years. We have worked on nearly 30 M&A transactions on the buy-side and the sell-side. We have gotten to know the industry players and the buyers. We've identified some high-opportunity M&A plays that could help to drive even more value, scale, and customer satisfaction in the industry. Spotlight on F&I Agencies (1:00) In this first part of our episode, we answer the following questions: Where do F&I agencies sit in the F&I ecosystem? (1:00) What does a typical F&I agency look like? (7:00) What is going on in terms of M&A and what are the value drivers in the industry? (9:00) What is driving M&A transactions right now and what are some potential M&A plays? (12:00) Where do F&I agencies sit in the F&I ecosystem and what value do they provide? (1:00) Gina: Between the F&I administrators and the F&I office and the dealership, there are F&I agencies. They are independent agencies with independent agents. They are like insurance agents. They bring together the product administrators and the dealers.  Gina:  The agents have deep knowledge about the products they represent. They can train the F&I office on those products and how to sell the products. They also act as the middle man or the interface with the administrator. They are one distribution arm for the administrators, which makes them critical in the ecosystem. They are a valuable component of the overall F&I ecosystem. Jeff: The F&I agency is a particular point in the value chain. It's a differentiator. Some administrators sell to dealers through a direct sales force, others use F&I agents.  Gina: There are administrators who go direct to dealers, but most administrators also use independent agents. They may have a direct sales force, but they have independent agents also. The only sector where that seems to not always be the case is selling into independent dealerships. You tend to see more direct agents that are employed by the administrators selling into the independent dealerships. Gina: An important component of what the agents do is help the dealership with reinsurance. Reinsurance is an important component of a dealership owner's profits. For every contract, every F&I product that is sold, there is a reserve set aside for future claims. F&I agents are usually very fluid and educated in talking about reinsurance and making sure that the dealership has the right reinsurance programs. So they deal with reinsurance, they do training on products, they do training on how to sell products. They sometimes help with staffing in the F&I office, and they'll help with some of the technology that is between the F&I office and the administrator. Gina: F&I represents a third of a dealership's profits. Everybody within the organization and affiliated with the organization is going to make sure that F&I runs smoothly. What does a typical F&I agency look like? (7:00) Gina: There are well over 100 independent agencies, and approximately 75%-80% of F&I agencies are less than 10 employees. There are very few large agencies. There are a few that are scaling, but there really aren't many. There is only one national agency that comes to mind and that's Vanguard (owned by Spectrum Automotive). Vanguard has been very acquisitive in building out its agent network. We also see Brown & Brown, which is a P&C insurance brokerage. They've been acquiring F&I agencies over the last few years. I don't know if they have a national footprint yet, but they're probably getting pretty close. And then you have acquired a lot of small agencies. ​​Jeff: The Brown & Brown example is an interesting one that we've watched over the last five to six years as they've entered the industry. We've always thought their participation in the F&I agency world makes a lot of sense, given the parallels to the P&C distribution market. What is going on in terms of M&A and what are the value drivers in the industry? (9:00) Gina: We think that the M&A market for F&I agencies will continue to be hot in 2022. (See Gina's cover article in Agent Entrepreneur, 2022 M&A Predictions for F&I Agents) Agent value is driven by a couple of different factors. One is diversification. One of the challenges for these small agencies, just like any small company, is having all of their eggs in one basket. An F&I agency may have one dealership group that represents 40% of sales. That is a gating factor to trading and getting the highest possible value. Agencies that have significant concentration, which I call greater than 15%, trade at a lower multiple than agencies that have little concentration. Another value driver is size. We look at the number of W-2 employees (as well as financials). Jeff:  Important when you go to sell these companies: Who owns the dealer relationships? And what's the risk of attrition in a transaction? Gina: A lot of diligence needs to be done in these transactions to really understand the nitty-gritty of who, not just on paper but in practice, owns the relationships. What is driving the M&A transactions right now and what are some potential M&A plays? (12:00) Jeff: It sounds like an industry that could be rolled up further. Following the playbook of the P&C insurance distribution market, you got a lot of mom and pops out there and a few large players.  Gina: Both Brown & Brown and Vanguard Dealer Services (Spectrum Automotive) are rolling up agencies. The rest of M&A activity we see is not a roll up, but administrators buying agencies. National Autocare and Portfolio Group have been very inquisitive. There are many other administrators who bought one, two, three agencies, as they attempt to lock in their distribution channels.  Gina:  There should be another roll up of F&I agencies. There should be a private equity firm that's coming in here saying, “I'm going to put a hundred, $150 million to work and we're going to leverage it. And we're going to buy up 20 F&I agencies. We're going to make a super-agency with national coverage.” That could be uber-successful for everybody involved. It just hasn't happened yet. Jeff: The folks that are acquiring are paying pretty high multiples, and that's a challenge. Any new entrant would have to go in and go big pretty quickly. They'd have to find a platform that they can scale and put a lot of capital to work while holding their nose as they pay big prices upfront. Gina: A lot of the M&A activity we have seen is with an older generation that is retiring. There's also some leakage happening where the younger, talented, hungrier F&I agents are like, “I get it, I can do this.” They leave and go start their own agency. I think we'll see that next-generation starting to trade in about a year or two. Gina: I have one last point I want to cover about F&I agency M&A: what's driving the activity. First of all, there's a lot of money looking for deals. There are private equity firms backing administrators that need to grow inorganically. But we also see a lot of M&A activity at the dealership level. They're getting bigger. Big dealership groups are buying up other dealers, independent shops, and dealership groups.  Every time one of those transactions happens, the agent that represents the target dealership is at risk of losing that client. Dealership M&A is driving F&I agency M&A. I think that this is the question that keeps a lot of agents up at night: Are they one or several M&A transactions away from losing a significant portion of their relationships and their livelihood? Spotlight on Payment Plan Providers (18:00) In this second part of our episode, we answer the following questions: How do payment plan providers add value to the auto F&I sector? (18:00) How big is the industry and who are the biggest players? (23:00) Why are payment plan providers a favorite industry of Colonnade? (25:00) What is going on in terms of M&A and what are the value drivers in the industry? (29:00) How do payment plan providers add value to the auto F&I sector? (18:00) Jeff: Payment plan companies came out of the ground around 20 years ago. They started as an offshoot of the insurance premium finance market, which we've talked about in a previous podcast. Fundamentally, this market is designed to help consumers purchase F&I products cost-effectively. Whether you're in a dealership (point of sale) and the F&I person says, “This VSC is going to cost you $3,000” or whether you get a piece of mail about an extended auto warranty (aftermarket), once you get sold on buying the coverage, the questions is always: Do you want to write a check for three grand or do you want to finance it over two or three years?  In most cases, the VSC/extended auto warranty gets financed. That's where these payment plan companies come in. Jeff: At the dealership (point of sale), the payment for an F&I product typically gets rolled into the auto loan. It's just one of the line items in the auto loan, and you (as the consumer) pay it off as you go. There are some payment plan providers that focus on point of sale at the dealership, allowing a consumer to finance the product outside the auto loan. In the aftermarket, which is really where we see these payment plans flourish, it's a different dynamic. If you're on the phone with a direct marketer and you agree to buy the coverage, you can put 10% down and pay over 18 or 36 months, depending on the payment plan. Interestingly, they're interest-free and cancelable at any time. And as you continue to drive your car and assess the usefulness of the product, you can cancel it at any time. If you cancel it, all you do is call up the seller or the administrator and say, “I want to cancel my payment plan.”  In that case, you get a portion of your money back (the unearned premium). It works in a similar way to the insurance premium finance market. The contract is earned over the life of the product. If it's a five-year product and you're one year into it, you might get 80% of the money back. The payment plan company is indifferent because it will just get their pro rata share back from the administrator and seller. The seller will sell the product to the consumer, and if they attach financing to it, the seller will collect the 10 or 15% down payment. The payment plan company will insert themselves and front the rest of the money to the administrator and to the seller. The administrator has to front some money to the CLIP (1) provider, but the revenue to the seller and the admin fee gets fronted by the payment plan company. Jeff: Our Industry Report on this sector goes into much more detail about the industry. How big is the industry and who are the biggest players (23:00) Jeff: We estimate this is about a $5 billion a year originations market. There's not good data. We've done a number of studies over the years and think that's the size of the market. It grows with auto sales and the adoption of products. It's grown considerably over the last several years. There are probably 10 independent players in the market. There are just a small handful of large players. The biggest players are PayLink, which is owned by Fortress and Milestone. Walco is the next biggest, and they're growing nicely. This is the Walder team that previously ran Mepco and Omnisure, and they've started up a new finance company that's growing quite rapidly. Mepco is a large player, they're top three, that's owned by Seabury. There are other smaller players like Budco, Line 5. Service Payment Plan is a big company in the dealer space, again different dynamics but similar product offering. PayLink, Omnisure, and Mepco really dominate the aftermarket space. Folks like Service Payment Plan dominate the dealer (point of sale) channel. Why are payment plan providers a favorite industry of Colonnade? (25:00) Gina: I love the payment plan business because it is so low-risk. What the payment plan companies do is hold a cash reserve on each funding in case the underlying consumer cancels. And that happens. There are a lot of cancellations in the direct consumer marketing of vehicle service contracts. As we've discussed before, it's not because the contracts are bad contracts, but it's because consumers actually have transparency. In the case of vehicle service contracts rolled into an auto loan, consumers don't get a breakout every month of the components of their auto loan that they're paying. They don't see that 80% of your auto loan payment is for the car, 10% is for the vehicle service contract, et cetera, cetera. But when a consumer is financing or using a payment plan for a vehicle service contract in the aftermarket, they have complete transparency as to what that cost is for. And if they decide as a household, they no longer need that product (they need to redeploy that payment to something else like their mortgage), they can cancel. The payment plan businesses have a cash reserve for this. So it is a very low risk business and has great returns. Jeff: Some of these companies have several hundred million dollars of portfolio and each contract starts out at $3,000 and burns down. These are very granular portfolios. You're not going to take a big loss on any particular contract. Unlike the insurance premium finance industry, the incidence or likelihood of fraud is negligible, and the risk here is quite low given the granularity. We like the short duration of these assets. We like the low loss rates. Generally, these transactions are priced at a 15% to 20% unlevered return. They're very high-yield. There's no credit risk. We're not doing anything with consumer credit risk.  We really don't care. We're just managing relationships with sellers and administrators. All those dynamics are favorable to this lending universe. I love this business. It's a niche industry, $5 billion is not the $50 billion commercial P&C market, but it's meaningful and growing. What is going on in terms of M&A and what are the value drivers in the industry? (29:00) Jeff: There really hasn't been much activity as there's a limited universe of players. Some of the administrators are vertically integrating and getting into the payment plan industry. We worked on the initial sale of Mepco to Independent Bank almost 20 years ago. We sold PayLink (which used to be called Warranty Finance Company) to Oxford Financial. It's now owned by Milestone and Fortress. Omnisure: Ed and Paul Walder started up that business from scratch and grew it to a couple hundred million dollars of receivables. We advised on the sale to Fortress.  PayLink and Omnisure merged in 2017 and put together two leading players in the industry. The other important transaction to mention is Seabury's acquisition of Mepco out of Independent Bank in 2017.  Most recently Walco has come out of the ground. Walco was started in early 2020 by Ed and Paul Walder again, starting up another competitor in the sector. They've grown considerably in recent years and are doing a great job building out that business. We don't see a ton of M&A activity per se, but it's a really interesting market. Part of the challenge from an M&A perspective is that there has not traditionally been a deep bank buyer universe of this product and that confounds me a bit. For all the reasons we mentioned, this is a really interesting, dynamic asset class. It's very similar to insurance premium finance, which has a number of large banks in the sector and a number that want to get into it.  The collateral structure looks very similar, except that payment plan providers have higher yields, higher return on assets, and even lower losses. And there's no fraud. I think there's a real opportunity for forward-thinking banks to embrace this asset class and do quite well with very little risk. (1) A CLIP is a commercial liability insurance product that covers the contractual obligations of the insured. A full reimbursement CLIP would indemnify the insured commercial entity for all monies it expends to fulfill a contractual commitment.   About the hosts Gina Cocking serves as the Chief Executive Officer of Colonnade Advisors. Gina began her career in investment banking at Kidder Peabody, was an analyst at Madison Dearborn Partners and an associate at J.P. Morgan & Co. She was the Chief Financial Officer of Cobalt Finance, a specialty finance company. She went on to become the Chief Financial Officer of Healthcare Laundry Systems, a private equity-backed company for which she oversaw the successful sale to a strategic acquirer. Gina served as the Line of Business CFO – Consumer Banking and Lending at Discover Financial Services. Gina serves on the Board of Directors of CIB Marine Bancshares, Inc. Gina received her BA in Economics and an MBA from the University of Chicago. Jeff Guylay is a Managing Director of Colonnade Advisors. Prior to joining Colonnade in 2000, Jeff was an investment banker at J.P. Morgan in the firm's Mergers & Acquisitions and Fixed Income Capital Markets groups in New York. He also spent several years in J.P. Morgan's Chicago office. Jeff has over 20 years of M&A and investment banking experience and has served as lead execution partner on over 25 M&A and financing transactions at Colonnade. Jeff received an MBA from Northwestern University's Kellogg Graduate School of Management and a Master of Engineering Management from the University's McCormick School of Engineering. Jeff received a BA from Dartmouth College and a BE from Dartmouth's Thayer School of Engineering.

Dave, Zack and Charlotte talk the milestone Avengers #400, the end of Mark Waid and Ron Garney’s Captain America (for now), and Peter David’s incredibly long run on Incredible Hulk. On this episode we cover the following issues (all available via Marvel Unlimited): Captain America #449 to #454 Waid and Garney arc concludes Avengers #400 Milestone, Waid & Wieringo […] The post 1996 Pt 1: Avengers 400, Cap, & Hulk! appeared first on Comic Book Herald.

Thoughts and thanks on approaching the podcast's 150th episode. SUBSCRIBE at www.workingmusicianpodcast.libsyn.com Pay What You Want monthly subscribers get access to an exclusive blog feed with updates, bonus questions from podcast interviews, and subscriber-only episodes.

Connor Sephton and Molly Jane Zuckerman chew over the week's crypto headlines in the weekend edition of CoinMarketRecap. The Central African Republic has become the second country to adopt Bitcoin as legal tender — but how big a deal is this... and will the 4.8 million people who live there be able to use it? Plus — Elon Musk has been tweeting some pretty colorful things since it was revealed that he's buying Twitter for $44 billion... but a court ruling means there's some limits on what he can post. And Edward Snowden has been unmasked as the co-founder of Zcash, but why is this privacy coin less popular than Monero? You can follow us on Twitter — @ConnorSephton, @MollyJZuckerman and @CoinMarketCap. 

Ross Levitan, Brandon Piller and @LalimesMartian provide immediate reaction following a 4-2 Ottawa Senators victory over the Philadelphia Flyers to close out the 2021-22 NHL regular season. Thank you for joining the POSTCAST throughout this season, it's been a blast. Locked On Senators is back on MONDAY! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Rebecca Macieira-Kaufmann is a versatile, seasoned CEO with broad leadership experience as a Financial Services Leader in sales & marketing, risk management, and international business operations. Her expertise in the financial services industry and outstanding record of leading business turnarounds has resulted in effective scaling of new businesses and expansion of existing operations globally for Fortune-50 FS organizations. Rebecca's transformational leadership style has provided avenues for success in all economic cycles, in both large and small companies during all stages of growth. Her vast experience leading international operations, digital technology implementation, wealth management, partnership & business development, strategy, regulatory compliance, process improvement, and aligning executive leadership with organizational goals has resulted in exponential growth. Rebecca's extensive career history has taken her through senior leadership positions at Wells Fargo and Citi among others. In 2020, Rebecca founded RMK Group, a CEO advisory and strategic consulting firm. Rebecca is also the author of FitCEO, a book that advises readers on how be the leader of their life: physically, emotionally, spiritually, and mentally. The book provides a framework for staying healthy while leading a busy life at work, home, and play. Read the show notes here: https://bwmissions.com/one-away-podcast/ https://fitceobook.com/

Ronn discusses his new acquisition of the classic Canadian brand, Milestone Percussion! Milestone was founded in the 1970's by Michael Clapham, and then was later purchased by Paul Mason and became the also beloved, Tempus Drums. Now, in 2022, Ronn has brought the original brand back to life and is relaunching with the extreme attention to detail that we have all come to expect from all Dunnett products. Ron doesn't spare any details of what he thinks went wrong with the original run of the company and what he is doing to improve and make it a long lasting Canadian brand. We also learn about Ronn's work process and great info on all of his brands - Dunnett Classic Drums, George Way Drums, and now Milestone Percussion. Check out Paul Masons episode on the history of Tempus Drums here: https://www.drumhistorypodcast.com/post/ep-109-the-origins-of-tempus-drums-with-paul-mason Keep up with Ronn on social media and at https://www.dunnett.com/ Enjoy this episode and check out Ronn's bonus episode at www.patreon.com/drumhistorypodcast

Hour 4 - Gresh and Keefe continued to preview tonight's Game 4 matchup between the Nets and Celtics. The guys also discussed the status of Nets guard Ben Simmons and they put the cart before the horse by previewing a Bucks-Celtics series.  Gresh and Keefe discussed the struggles of the Red Sox offense, Gerrit Cole possibly doctoring the ball, and talked about Miguel Cabrera reaching the 3000 hit milestone and .  Finally, it's You Got Somethin'?.

We've hit another milestone, Shorties! Can you believe this? Eat My Shorts turns 4 years old! What began 35 years ago as a TV show on Fox is now a podcast on the internet. Join us as we celebrate a lifetime of memories & reminisce about the very first Simpsons clip show episode. We also spend a little time talking about expired milk pranks, the possibility of covering some modern Simpsons episodes, & the most interesting place in The Simpsons house: The Rumpus Room!★ Support this podcast on Patreon ★

On this episode of Dentist Brain Candy, I cover two thought-provoking articles from the October 2021 edition of the Journal of Oral and Maxillofacial Surgery. The first one, by Jeffrey C. Posnick, DMD, MD, discusses in depth the milestone contributions of notable surgeons and orthodontist pioneers in orthognathic surgery (OGS). This article discusses the history of innovative care solutions for treating jaw deformities and how they've led to new treatment options, including the impact of technology in dramatically reducing the barriers to treatment. I also discuss an article by Jordan S. Elmowitz, DMD  et al. that shares the findings from a study of the current pharmacological and non-pharmacological methods of postoperative pain control following oral and maxillofacial surgery. The study included surgery patients undergoing the extraction of third molars and the use and effectiveness of rescue analgesics. Listen in to learn about my treatment plan to reduce narcotic prescriptions while making my patients more comfortable. Key Takeaways How 3 dental surgeons: Hugo Obwegeser, William Bell, and Hans Luhr pioneered orthognathic surgery How orthodontists Edward Angle, William Proffit, and Lawrence Andrews changed jaw reconstruction Why only 1 in 20 of the 5% of people with a significant jaw deformity undergo surgical correction How simulation-based training is creating better jaw surgery outcomes The role of insurance-based barriers in the correction of dental-facial deformities How COX-2 inhibitors provide greater analgesic effects when compared to NSAIDs How I use Bupivacaine to reduce narcotic prescriptions while making my patients more comfortable Connect with Dr. Bryan McLelland Dentist Brain Candy Dentist Brain Candy on Facebook Dentist Brain Candy on YouTube Dentist Brain Candy Podcast Dentist Brain Candy App Dentist Brain Candy Continuing Education About Dr. Bryan McLelland Dr. Jawbreaker on YouTube Email bryanmclelland@hotmail.com Call (509) 922-2273 Resources June 10 Event Exparel Master Class Orthognathic Surgery: Past – Present – Future by Jeffrey C. Posnick, DMD, MD. in the Journal of Oral and Maxillofacial Surgery  Pharmacological and Non-Pharmacological Methods of Postoperative Pain Control Following Oral and Maxillofacial Surgery: A Scoping Review by Jordan S. Elmowitz, DMD and Raymond P. Shupak, DMD, MD, MBE in the Journal of Oral and Maxillofacial Surgery 

On Monday's show we kick off NFL Draft week, take a deep dive into more accomplishments for Vols baseball, break down the newest transfer for UT hoops and look ahead to a major milestone for Nashville SC. See omnystudio.com/listener for privacy information.

The news to know for Monday, April 25th, 2022! We're talking about top White House officials visiting Ukraine as fighting escalates in the country.  Also, an early start to what's shaping up to be a devastating wildfire season: we'll tell you where fires have caused the most damage.  Plus, the most and least affordable places to buy a home, a new measure in Europe meant to get toxic content off the internet, and the kinds of movies doing the best at the box office.  Those stories and more in around 10 minutes! Head to www.theNewsWorthy.com/shownotes for sources and to read more about any of the stories mentioned today. This episode is brought to you by bollandbranch.com (Listen for the discount code) and Rothys.com/newsworthy Thanks to The NewsWorthy INSIDERS for your support! Become one here: www.theNewsWorthy.com/insider   

We will break from our normal format this week and give ourselves a well-deserved little pat on the back, as Rx For Success is celebrating our 100th episode.  After each interview, we do a special Rapid Fire Questions and Answers section which is exclusive for our Patreon members. But, in celebration, we've put just some of the best answers together for you.  So, enjoy this montage, and keep tuned in for our next 100 episodes! Unlock Bonus content and get the shows early on our Patreon Follow us or Subscribe: Apple Podcasts | Google Podcasts | Stitcher | Amazon  | Spotify --- Show notes at https://rxforsuccesspodcast.com/100 Report-out with comments or feedback at https://rxforsuccesspodcast.com/report Music by Ryan Jones. Find Ryan on Instagram at _ryjones_, Contact Ryan at ryjonesofficial@gmail.com

Episode 100 begins with the greats to wear #0 or 00, a look back at our listening highlights, a quick golf story, State wrestling Champ Max!, Mall stores from the 80's and 90's, Phillies, Sixers playoffs, USFL and the Stars, Who Wins?, IQ question of the week, Would You Rather?, Streaming, Most Daring thing you have done, A tribute from Denny Horan and the Mount Rushmore of Cheesesteaks!

Matthew Tkachuk scored his 40th goal of the season Thursday night against the Dallas Stars! His 40th goal also marked his 100th point of the season. Jess talks about his performance this season and how he's turned his behavior around. He may never win the Lady Byng but he certainly found his true purpose on the ice. The Flames' success lies heavily in his and Johnny's seasons. How much heart does this kid have and does he have the potential to lead a team someday? Plus Jess talks about the Flames overperforming in the regular season and then how it needs to carry over in the postseason. Expectations are different this year. Plus we wrap up the show with winners and losers of the week! Support Us By Supporting Our Sponsors! HelloFresh Go to HelloFresh.com/lockedon16 and use code lockedon16 for up to 16 free meals AND 3 free gifts. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Shady Rays EXCLUSIVELY FOR OUR LISTENERS, HEAD TO SHADYRAYS.COM AND USE CODE LOCKEDON TO GET FIFTY PERCENT OFF TWO OR MORE PAIRS OF POLARIZED SUNGLASSES. Athletic Greens Athletic Greens is going to give you a FREE 1 year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase. All you have to do is visit athleticgreens.com/NHLNETWORK. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Julian talks about the Yankees terrible offense, the promising pitching and Miguel Carbrera's chase for 3,000 hits. He also goes around the MLB and lets the listeners know the latest personal news.

Marlins right hander Pablo Lopez is sporting a 0.52 ERA through three starts this season. That's good enough for the MLB lead. There's lots of young promise in Miami's pitching staff. Miguel Cabrera was one hit away from 3,000... and the Yankees intentionally walked him. Kevin Gausman turned in a dominant outing for Toronto, showing exactly why they signed him. All this (and more) on today's episode.

Alex Ovechkin scores his 50th goal of the season. This marks his ninth 50 goal season. Alex Ovechkin also sets a single season record for most goals by a player 36 or older. Ilya played well overall, but allowed some soft goals. Evgeny Kuznetsov get his 24th goal of the season HelloFresh Go to HelloFresh.com/lockedon16 and use code lockedon16 for up to 16 free meals AND 3 free gifts. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Shady Rays EXCLUSIVELY FOR OUR LISTENERS, HEAD TO SHADYRAYS.COM AND USE CODE LOCKEDON TO GET FIFTY PERCENT OFF TWO OR MORE PAIRS OF POLARIZED SUNGLASSES. Athletic Greens Athletic Greens is going to give you a FREE 1 year supply of immune-supporting Vitamin D AND 5 FREE travel packs with your first purchase. All you have to do is visit athleticgreens.com/NHLNETWORK. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Nando, Ian and DVR discuss the league-wide drop in offensive output and try to parse blame between a new baseball, the shortened spring training, and other factors. Plus, Mookie Betts' quiet start, Gerrit Cole, Luke Voit & Tyler Stephenson, Jameson Taillon's early value jump, and a big milestone for Ian.   Follow Nando on Twitter: @nandodifino Follow Ian on Twitter: @IanKahn4 Follow DVR on Twitter: @DerekVanRiper Learn more about your ad choices. Visit megaphone.fm/adchoices

This is Episode #300 !!! Reaching a personal milestone in the quest of interviewing global change makers who are dedicated to creating a healthier planet, honouring and celebrating unique gifts. In this episode I have invited my dear friend and Opera singer John Brancy to be back on the Podcast for the fourth time. Tune into our conversation about the last two years, John is back in a reopened world to sing Opera, buckle up for some real talk when it comes to standing up to oppression and mandates. We talk about the magic "love at first sight" moment John and myself have met back in 2013 or 14 in Victoria, BC. From this magic moment in our friendship we drift and dive deep in this conversation about what moves us, how the world is changing, and how important it is to take full responsibility and stand up to create the world we want to see. We talk about: - How behind any war there is always business interest - Humanity's evolution is directly linked to the health of our soil and water systems - How to liberate ourselves from mental slavery - Following our own purpose and inner art, sharing our voices - Differentiating between Conceptual Reality and Embodying Reality - The Sing Sense and how to light up the world with song Connect with John Brancy and his work here on his Website. --- Support this podcast: https://anchor.fm/julian-guderley/support

Rays shortstop Wander Franco has played 11 games so far this season. He has multiple hits in 7 of them. Franco is just getting started. Miguel Cabrera is closing in on 3,000 career hits. He has a great chance to do it in front of the home fans in Detroit. All this (and more) on today's episode.

In this episode of the Award-winning PRS Journal Club Podcast, 2022 Resident Ambassadors to the PRS Editorial Board – Saïd Azoury, Emily Long, and Ronnie Shammas- and special guest Vu T. Nguyen, MD, discuss the following articles from the April 2022 issue: “Does the Duration of Perioperative Antibiotic Prophylaxis Influence the Incidence of Postoperative Surgical-Site Infections in Implant-Based Breast Reconstruction in Women with Breast Cancer?  A Retrospective Study” by Rothe, Münster, Hapfelmeier, et al.  Read the article for FREE: https://bit.ly/ACGMEMilestone Special guest Vu T. Nguyen, MD is an Associate Professor of Plastic Surgery at the University of Pittsburgh and Program Director of the Pittsburgh Plastic Surgery Residency. Dr. Nguyen completed his residency training at the University of Pittsburgh followed by a Microsurgery Fellowship at the University of Pennsylvania. READ the articles discussed in this podcast as well as free related content from the archives: https://bit.ly/PRSApril22Collection    

The Ottawa Senators weren't able to muster much offence in a 4-2 loss to the Seattle Kraken. Brandon Piller and Ross Levitan break down the game that saw the Sens only get 14 shots, Anton Forsberg gave his team a chance to win and the video guy successfully gets another goal challenge correct, other than that not much to like in a boring late game. We have a very special SensCentral Citizen today, it's Kevin Jimena (@11bkjimena)! He tells us all about how he became a Sens fans, how he is able to attend so many games and just spreading some much needed positivity! The Belleville Senators continue their push for the playoffs with a 4-1 win over the Laval Rocket with Mads "The Great Dane" Sogaard making 45 saves. And of course we preview tonight's game up against the Vancouver Canucks! Check us out on TWITTER and YOUTUBE! Support us by supporting our sponsors! BetOnline BetOnline.net has you covered this season with more props, odds and lines than ever before. BetOnline – Where The Game Starts! Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode, Natasha explains what a Milestone Sheet is and how to weaponize it to get the most from your teams. For more on Natasha and to check out her new book, visit https://therelentlessbook.com Restaurant Marketing School is brought to you by Yelp for Restaurants: In July 2020, a few hundred employees formed Yelp for Restaurants. Our goal is to build tools that help restaurateurs do more with limited time. ________________________________ CLICK HERE to Chat with Josh Free Download: 5 Steps to Achieve a 15% Net Profit We have a lot more content coming your way! Be sure to check out the FULL COMP media universe by visiting: FULL COMP Restaurant Marketing School The Playbook Industry Town Halls

With Austin turning thirty in April, he decided the best way to celebrate was to reflect on the most valuable life lessons he has learned in his 30 years. Some are associated with funny stories, some lessons learned from bad decisions, but all of them shaping him into the man he is today. This is an episode for anyone, of any age, interested in hearing what lessons Austin finds most prominent and most necessary.  

Episode 77- A New Milestone in 2A Freedoms Also Available On Podcast Transcript Gun Lawyer Episode 77 Page - 1 - of 7 Gun Lawyer -- Episode 77 Transcript SUMMARY KEYWORDS new jersey, firearms, permit, book, flash suppressor, state, gun, carry, muzzle