Podcasts about multiples

Father's Day Sale: June 14-16 If your partner wants to be more than the guy holding your Stanley cup during contractions, Dad Daze is for him. This childbirth and postpartum course teaches dads exactly how to support, advocate, and show up with confidence from pregnancy through postpartum. Use code DAD50 to save $50 at thebirthlounge.com/daddaze June 14th-16th only. *psst* If you decide a lifetime membership is for you, we won't keep you from applying this discount code to get full access + our exclusive gift box.  As we head into another summer season, HeHe is bringing back one of the most important episodes in The Birth Lounge Podcast archive. Water safety is something she feels incredibly passionate about because drowning is often silent, fast, and far more common than most families realize. If you have children, spend time around pools, visit the beach, own a backyard pool, or simply want to be more prepared, this is information every caregiver needs to hear. In this re-aired episode of The Birth Lounge Podcast, HeHe sits down with Tyler Bradshaw from Aqua-Tots Swim School for a conversation every parent, grandparent, and caregiver needs to hear. Because when it comes to water safety, most of us think it won't happen to our family... until it does. Together, they unpack the sobering realities of childhood drowning, including where it most commonly happens, why it often occurs when adults are nearby, and the simple mistakes that can turn a fun day around water into an emergency. Tyler shares the statistics every parent should know, explains the difference between fatal and non-fatal drowning incidents, and clears up common misconceptions about "dry drowning." HeHe and Tyler also dive into practical, actionable ways to reduce risk, including why designated water watchers matter, how distractions like phones can become dangerous around water, and the truth about puddle jumpers, floaties, and water wings. They discuss home pool safety, the best swimsuit colors for visibility, and what parents with multiple children can do to keep everyone safer during pool days. You'll also learn why swim lessons are about so much more than learning strokes, how early children can start building water safety skills, and what progression through swim lessons actually looks like from infancy through childhood. Whether you're heading into summer, planning pool days, vacationing near water, or simply wanting to be more prepared, this episode is packed with life-saving information that could make all the difference for your family. 00:00 Put the Phone Down 00:54 Partner as Birth Advocate 02:46 Father's Day Dad Daze Deal 09:23 Why Water Safety Matters 13:10 Where Drowning Happens 15:05 Dry vs Nonfatal Drowning 17:30 Poolside Distractions 19:02 Water Watcher System 22:06 Floaties and False Security 26:22 Multiples and Home Pool Safety 32:17 Pool Alarms And Sensors 33:15 Highway Rule Pool Temptations 34:36 Fence Durability And Gate Safety 35:48 Why Swim Lessons Matter 39:31 Lesson Levels Skills And Wrap Up Guest Bio: Tyler Bradshaw is the owner of Aqua-Tots Swim School Norwood and a passionate advocate for childhood water safety and drowning prevention. Aqua-Tots is one of the largest providers of year-round swim instruction in the world, helping children as young as four months old build confidence and critical water safety skills. Through swim lessons, community outreach, and education, Tyler and the Aqua-Tots team are dedicated to helping families create safer experiences around water and empowering children with skills that can save lives. LINKS MENTIONED: Connect with Tyler at Norwood Aqua-Tots here!  http://aqua-tots.com/norwood Find an Aqua-Tots near you! https://www.aqua-tots.com/ Social Media: Connect with HeHe on Instagram: https://www.instagram.com/tranquilitybyhehe/ Connect with Aqua-Tots on IG: https://www.instagram.com/aquatotsofficial/ Connect with HeHe on YouTube: https://www.youtube.com/@hehestewart BIRTH EDUCATION: Learn how to stay in control of your birth and reduce the risk of unnecessary interventions in our Avoid a C-Section Webinar. HeHe breaks down the cascade of interventions, explains what's really happening in the hospital, and shares practical strategies to protect your birth plan, advocate for yourself, and navigate labor with confidence. Perfect for anyone who wants a positive, informed hospital birth experience: https://www.thebirthlounge.com/csection Feeling nervous about speaking up in labor? Our Scripts for Advocacy give you the exact words to handle the most common conversations that can make or break your birth experience. From declining unnecessary interventions to asking the right questions about procedures, these scripts empower you to stay in control, speak confidently, and protect your birth plan — even when the pressure is on. Think of it as your personal toolkit for advocating like a pro, so you can focus on your baby, not the stress: https://www.thebirthlounge.com/Scripts-for-Advocacy And if you haven't grabbed it yet… Snag my free Pitocin Guide to understand the risks, benefits, and red flags your provider may not be telling you about, so you can make informed, powerful decisions in labor: https://www.thebirthlounge.com/pitocin Join The Birth Lounge for judgment-free, evidence-based childbirth education from HeHe that shows you exactly how to navigate hospital policies, avoid unnecessary interventions, and have a trauma-free labor experience, all while feeling wildly supported every step of the way: https://www.thebirthlounge.com/ Want prep delivered straight to your phone? Download The Birth Lounge App for bite-sized birth and postpartum tools you can use anytime, anywhere: https://www.thebirthlounge.com/app  Key words: Water Safety, Drowning Prevention, Kids Swim Lessons, Swimming Tips for Parents, Water Safety Tips, Child Swim Lessons, Summer Safety Tips, Pool Safety Tips, Accident Prevention, Water Safety Month, Child Safety

Drew & Garden System hang out with Julia by mes to have conversations about intergenerational trauma as a grandchild of war in Germany, the complicated mess of healing, career changes, and organizing in-person meetups in Ottawa, Canada!Thank you to our sponsors:Yvonne Fall LPC - https://www.yvonnefalllpc.com/Healing My Parts - https://www.healingmyparts.org/Follow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystemFollow us on TikTok: @seidi_gardensystem, @note_to_selvesFollow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops!Remember, this podcast is not a substitute for therapy. The purpose of this podcast is to educate and provide information on dissociative identity disorder. We share our personal stories, interview guests who also live with DID, and we interview mental health professionals to share their clinical knowledge.And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples.Articles cited in Seasons 4 & 5:Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

Je vous propose aujourd'hui de rencontrer Christophe Touchard. Christophe est ingénieur, musicien, écrivain voyageur. Et oui, tout ça! C'est à mon sens un type de profil passionnant, très multiple et qui tend à devenir plus fréquent grâce à notre société d'aujourd'hui qui permet cela. En effet, il me semble que le fait de se spécialiser dans une seule activité professionnelle a longtemps été incontournable mais aujourd'hui les choses changent: on peut s'autoriser à diversifier son activité et par là même, en profiter pour s'épanouir dans plusieurs domaines. Bonne écoute! 

In January 2026, Ming Lim and Bryan Ma closed on AccounTrain, a 25-year-old bookkeeping firm based in Ottawa with clients across Canada. They beat out five other offers. They paid 1.3 times annual revenue. They spent almost two years searching for the right deal. Ming is the managing partner of Volition Properties, where his team has helped Canadians transact on more than $300 million of Toronto investment real estate. Bryan spent 20 years in Canadian financial services. He's a CPA, a CFA, and holds an MBA. He worked at three of the biggest professional services firms in the country and most recently at Intact Insurance in mergers and acquisitions. In this conversation, we cover: Why these two real estate operators are buying a business instead of more rentals How they sourced AccounTrain through Poe Group and a buy-side community called Village Wealth The difference between bookkeeping and full accounting firms, and why the simpler business won How multiples in this industry actually work (1.2 to 2.5 times revenue depending on quality) Why vendor take-back mortgages are standard in business sales, even though they're rare in Canadian real estate The seller's 25 years of institutional knowledge that was kept entirely in one person's head How Bryan and Ming approached due diligence with Bryan's M&A background as the advantage The lifestyle case for a business over a rental portfolio What they're modernizing now that they own it (CRM, workflow management, AI tools) Practical advice for small business owners with messy books This episode is part of TAFI's coverage of the great wealth transfer from retiring boomers to the next generation of Canadian operators. If you're an active real estate investor looking at what's next, this is the playbook.

C'est une nouvelle qui ne fait pas les affaires de nos activités locales. Une centaine de véhicules et autant de caravanes se sont installés ce dimanche 31 mai sur l'aérodrome de Beaune-Challanges.Aucun vol n'a décollé ni atterri depuis cinq jours, l'activité est bloquée. Les gens du voyage devraient libérer les lieux d'ici la fin de semaine, laissant derrière eux de potentielles dégradations. C'est du moins la crainte de Jean-Louis Baudoin, vice président de l'Aéroclub Beaunois.Photo : Aéroclub Beaunois

Fast 2.000 Softwareunternehmen weltweit, über 80 Beteiligungen allein in Deutschland, und trotzdem kennt kaum jemand den Namen des Eigentümers. Constellation Software kauft, hält und lässt Unternehmen eigenständig weiterlaufen, ohne Exit-Druck, ohne Rebrandings, ohne Zentralisierungsdrang. Wer als Gründer oder M&A-Berater nicht versteht, wie dieses Modell funktioniert, läuft Gefahr, an einem der aktivsten Käufer im Software-Segment vorbeizuschauen.Mein Gast ist Benjamin Ernst, M&A Business Development Executive bei der Vesta Software Group, einer der größten Operating Groups innerhalb von Constellation Software. Mit ihm spreche ich über die Logik hinter Buy and Hold Forever, wie Vesta Unternehmen im Payment- und Fintech-Umfeld bewertet und warum das aktuelle Marktumfeld mit sinkenden Multiples für Vesta gerade ein Vorteil ist.Wir beleuchten in dieser Episode:wie Benjamin ohne BWL ins M&A kam,warum Constellation hierzulande kaum sichtbar ist,wie Vesta Targets ohne klassische Multiples-Logik bewertet,warum Payment-Nischensoftware resistent gegen KI-Druck bleibt,warum sinkende Multiples Vestas Chancen als Käufer gerade stärken,und vieles mehr...Viel Spaß beim Hören!***Timestamps(00:00:00) Intro(00:02:32) Werdegang & akademischer Hintergrund(00:04:26) Philosophie & Politikwissenschaft(00:07:23) Mehrwert unkonventioneller Denkweise(00:10:27) Wechsel zu Vesta(00:13:07) Bewerbung ohne M&A-Background(00:17:07) Vesta & Constellation-Universum(00:20:41) Größe Constellation-Gruppe(00:27:48) Gründer bleiben an Bord(00:29:35) Typisches Akquisitionsprofil(00:32:26) Autonomie nach Übernahme(00:42:00) Fokus Fintech & Payments(00:47:00) Dealflow & Investitionsgrößen(00:57:05) KI & Bewertungsdruck(01:02:36) Funktionskritische Nischensoftware(01:04:32) KI-Risiken im Payment-Bereich(01:07:35) Marktausblick & strategische Chancen***Alle Links zur Folge:Kai Hesselmann auf LinkedIn: https://www.linkedin.com/in/kai-hesselmann-dealcircle/CLOSE THE DEAL auf LinkedIn: https://www.linkedin.com/company/closethedeal-podcastBenjamin Ernst auf LinkedIn: https://www.linkedin.com/in/benjamin-ernst-b226a6ba/Vesta Software Group auf LinkedIn: https://www.linkedin.com/company/vesta-software-group/Website CLOSE THE DEAL: https://dealcircle.com/ClosetheDeal/***DUB.de und AMBER sind die Plattformen für sichere Unternehmensnachfolgen. Schaut vorbei, wenn ihr euer Unternehmen schnell, sicher und kostenfrei zum Verkauf inserieren wollt oder als Käufer auf der Suche nach passenden Deals seid:www.dub.dewww.amber.deals***Du bist M&A-Berater im Small- oder Midcap-Segment und suchst einen Überblick über alle relevanten Deals? Jetzt schnell den

Am Tech-M&A-Markt ist es derzeit alles andere als ruhig. Während der M&A- und Private-Equity-Markt verhalten ins Jahr gestartet ist, boomen Venture Capital und Growth Equity. Die Bewertungsschere öffnet sich deutlich: „AI-Native-Highflyer können immense Bewertungen erzielen, während Unternehmen, die durch Künstliche Intelligenz verdrängt werden könnten, kaum noch Käufer finden“, sagt Julian Riedlbauer, Partner bei der Tech-Investmentbank Drake Star. Private-Equity-Investoren, die in den Hochzeiten 2021 hohe Multiples für Software-Unternehmen bezahlt haben, müssen indes Geduld beweisen. „Die Portfoliounternehmen werden wahrscheinlich länger gehalten werden müssen, um die Transformation von SaaS zu AI zu meistern“, vermutet Riedlbauer. Noch sei es aber zu früh, ein eindeutiges Urteil zu fällen, wie es mit den Software-Beteiligungen von Private Equity weitergeht: „Abgerechnet wird in ein bis zwei Jahren.“Das erwartet Sie in diesem Talk:Wie KI die Bewertungen im Software-Sektor auseinandertreibt, welche Unternehmen von den neuen Technologien profitieren und welche den Kürzeren ziehenWelche Auswirkungen die aktuellen KI-Entwicklungen auf teuer gekaufte Software-Assets von Private Equity haben werdenWarum Defense Tech kein Hype-Thema ist und welche drei Treiber den Markt nachhaltig prägenWie sich die Dynamik am Tech-M&A-Markt in den kommenden Monaten verändern wirdDie Gesprächsteilnehmer:Moderatorin: Olivia Harder (FINANCE Magazin)Gast: Julian Riedlbauer (Partner, Drake Star)_________________________________________Bei FINANCE TV ist die Finanzwelt im Gespräch! Jede Woche erwarten Sie hier exklusive Interviews mit CFOs, führenden Bankern und Experten aus Corporate Finance. Wir unterhalten uns über alles, was Finanzentscheider wissen müssen: von M&A und Finanzierung bis hin zu Private Equity, Wirtschaftsprüfung, Karriere, Gehalt und aktuellen Finanzskandalen. Kompakt, direkt und auf den Punkt! Mehr Infos gibt es hier: https://www.finance-magazin.de/tv/

Drew & Garden System discuss the effects of traumas such as war and childhood abuse with Atash Yaghmaian LCSW-R,  who also lives with dissociative identity disorder. She is the author of the book, My Name Means Fire, where she shares her story of growing up in Iran.You can purchase a copy of her book through our Amazon affiliate link here: https://amzn.to/4rIQ5yPThank you to our sponsors:The Institute for Creative Mindfulness:  https://www.instituteforcreativemindfulness.com/Petals of a Rose:https://www.dylancrumpler.com/watch-petals-of-a-roseFollow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystemFollow us on TikTok: @seidi_gardensystem, @note_to_selvesFollow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops!Remember, this podcast is not a substitute for therapy. The purpose of this podcast is to educate and provide information on dissociative identity disorder. We share our personal stories, interview guests who also live with DID, and we interview mental health professionals to share their clinical knowledge.And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples.Articles cited in Seasons 4 & 5:Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

Truc Nguyen has acquired 2 nail salons, an overlooked but fragmented industry where businesses trade at low multiples.Register for the webinar:Negotiating Working Capital in SMB Acquisitions - Tue, May 26 - https://bit.ly/4eQfCTRTopics in Truc's interview:Why she chose the nail salon industryHer vision for a rollupAnalyzing a current nail salon business listingLow multiples in the nail spaceBargaining power of good nail techsSquare footage and number of chairs mattersDocumenting SOPs for her first salonStaffing a 7-day-a-week businessCreating a great company cultureThe changing face of nail salonsReferences and how to contact Truc:LinkedInSarah Romer on Acquiring Minds: How to Buy a Salon as an Industry Outsider (and Survive)Get complimentary due diligence on your acquisition's insurance & benefits program:Oberle Risk Strategies - Search Fund TeamWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryThe ecosystem for serious acquisition entrepreneurs—education, capital, community, and post-close support to buy and grow a business:The Acquisition LabConnect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton Rohozov and produced by Pam Cameron

Ilika PLC (AIM:IKA, OTCQX:ILIKF, FRA:I8A) CEO Graeme Purdy tells Proactive's Stephen Gunnion that the company has crossed a significant milestone over the past year — delivering its first commercial Stereax revenue — and expects "multiples of that coming through in the year that we've just started." Commercial-grade cathode material is now shipping to US partner Cirtec Medical, while the Goliath platform is attracting growing interest beyond electric vehicles, including defence applications and an e-bike collaboration with Brompton. EU battery electric vehicle sales rose 32.5% year-on-year, providing a strong tailwind for the technology. With 27 evaluation agreements already generating modest sampling revenue, Purdy says the focus over the next 12 months is converting those relationships into larger-scale manufacturing agreements. Watch the full interview for insights into Ilika's commercial roadmap, battery technology strategy and upcoming milestones ahead of its FY2026 results in July. Visit the Proactive YouTube channel for more interviews and market insights. Don't forget to like this video, subscribe to the channel and enable notifications for future content. #Ilika #GraemePurdy #SolidStateBatteries #BatteryTechnology #EVMarket #ElectricVehicles #Goliath #Stereax #BatteryInnovation #DefenceTech #EnergyStorage #Brompton #CleanTech #ProactiveInvestors #UKStocks

#investigación #corrupción #cataño La auditoría de Cataño y la contestación del Alcalde, Julio Alicea Vasallo y la del abogado laboral, Jaime Sanabria Montañez y ex esposo de la senadora de derechas, Joanne Rodríguez Veve. Multiples versiones y ninguna cuadra con la Auditoría de la Contralora. | Norberto Almodóvar se la monta directo a una de las 'joyas' de la administración de Jenniffer González, secretario del DDEC. | Jay Fonseca y el silencio de los demandantes Elias y Valerie. El Juez Presidente del Tribunal Federal le tira hasta con los tennis. ¡Conéctate, comenta y comparte! #periodismoindependiente #periodismodigital #periodismoinvestigativo Síguenos en nuestras redes sociales: tiktok.com: https://x.com/Bonita_Radio Facebook: / bonitaradio Instagram: / bonitaradio X: https://x.com/Bonita_Radio

#investigación #corrupción #cataño La auditoría de Cataño y la contestación del Alcalde, Julio Alicea Vasallo y la del abogado laboral, Jaime Sanabria Montañez y ex esposo de la senadora de derechas, Joanne Rodríguez Veve. Multiples versiones y ninguna cuadra con la Auditoría de la Contralora. | Norberto Almodóvar se la monta directo a una de las 'joyas' de la administración de Jenniffer González, secretario del DDEC. | Jay Fonseca y el silencio de los demandantes Elias y Valerie. El Juez Presidente del Tribunal Federal le tira hasta con los tennis. ¡Conéctate, comenta y comparte! #periodismoindependiente #periodismodigital #periodismoinvestigativo Síguenos en nuestras redes sociales: tiktok.com: https://x.com/Bonita_Radio Facebook: / bonitaradio Instagram: / bonitaradio X: https://x.com/Bonita_Radio

This week on the Hunt Test Hobo Podcast, Chris sits down once again with legendary retriever trainer Bill Hillman for a deep conversation on balance in dog training, teaching multiples, building true marking dogs, and why amateurs often move too fast without realizing it.Chris opens up about a recent training mistake with a talented young dog — overemphasizing difficult concepts while skipping foundational multiples — and Bill breaks down why great marking dogs are built through clarity, consistency, and balance rather than just drilling hard concepts.The two also dive into:Why Bill dislikes the term “transition”The importance of flow vs rigid training systemsCreating a training checklistWhy repetition matters more than noveltyTeaching hip pockets and retired guns correctlyMultiples progression for hunt tests and field trialsWhy confidence comes from preparationThe difference between training concepts vs teaching dogs to truly markOne of the most practical and thoughtful conversations yet for amateur retriever trainers trying to level up their dogs without losing the fundamentals.

Vassilena Serafimova est l'une des plus grandes ambassadrices du marimba, instrument qu'elle a largement contribué à populariser ces dernières années. La Philharmonie de Paris lui a donné carte blanche le temps d'un week-end (du 29 au 31 mai). C'est ainsi qu'elle imaginé une grande fête à laquelle s'associeront des artistes de différents horizons : un chœur de chanteuses bulgares, l'artiste électro Chloé Thévenin, le pianiste Thomas Enhco ou encore le quatuor Ardeo. C'est avec les musiciennes du quatuor Ardeo qu'elle vient justement s'illustrer au disque, sous le label La Dolce Volta. Un album au programme éclectique - de Jean Cras à Gershwin en passant par Debussy, Satie et Vivaldi - à l'image de cette musicienne curieuse et désireuse de mettre en avant les multiples possibilités expressives de son instrument. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Today, we are breaking down Auto1, and this is an interesting episode because we are tackling a business that most US listeners will not be familiar with, even though it resembles names they already know well. Our guest is Harrison Moot, co-founder and CIO of Sandstone, who walks us through Europe's largest vertically integrated online marketplace for used cars. Auto1 is often shorthanded as the Carvana of Europe, and the comparison directionally fits, but the differences are what make the company worth understanding on its own terms. The core of the conversation is how Harrison frames the company. He argues that Auto1 is best understood as a pan-European clearing house for used vehicles rather than a dealer with a website, and that the model only works because the company built its consumer sourcing engine and its wholesale dealer liquidity for nearly a decade before ever launching the consumer retail business. Owning the sourcing, logistics, refurbishment, and financing stack across thirty fragmented national markets gives Auto1 a pricing and routing advantage that local dealers and asset-light classifieds cannot replicate. Please enjoy this Breakdown of Auto1. For the full show notes, transcript, and links to the best content to learn more, check out the episode page⁠⁠⁠⁠⁠⁠⁠ here.⁠⁠⁠⁠⁠⁠⁠ ----- Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at ⁠colossus.com/subscribe⁠. ----- This episode is brought to you by⁠⁠⁠⁠ ⁠Portrait Analytics⁠⁠⁠⁠⁠ - your centralized resource for AI-powered idea generation, thesis monitoring, and personalized report building. Built by buy-side investors, for investment professionals. We work in the background, helping surface stock ideas and thesis signposts to help you monetize every insight. In short, we help you understand the story behind the stock chart, and get to "go, or no-go" 10x faster than before. Sign-up for a free trial today at ⁠⁠⁠⁠⁠portraitresearch.com⁠⁠⁠⁠⁠ ----- Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Timestamps (00:00:00) Welcome to Business Breakdowns (00:03:35) Auto1 Business Overview  (00:07:06) European Market & C2B Model  (00:12:31) Founding Story & Sequencing  (00:16:39) Why Cazoo Failed  (00:16:42) Cazoo vs. Auto1 Approach  (00:18:29) How a Transaction Works  (00:22:11) Dealer Buying Patterns  (00:25:49) Retail vs. Wholesale  (00:26:18) Consumer Financing & ABS  (00:27:57) ABS Lowers Funding Costs  (00:28:16) Unit Economics by Segment  (00:32:37) Network Effects & Data Moat  (00:37:35) Path to Margin Expansion  (00:42:23) Balance Sheet & Working Capital  (00:44:40) Four Growth Levers  (00:48:27) Dealers: Customers Not Competitors  (00:53:17) Four Key Business Risks  (00:54:12) Inventory Risk & Mitigants  (00:58:32) Valuation Framework & Multiples  (01:03:14) Vertical Integration & Capital Cycles

Multiples zijn misschien wel de meest misbruikte instrumenten in de beleggingswereld. Maar wie de totstandkoming ervan leert begrijpen, wordt daar vrijwel zeker een betere belegger van. In deze aflevering dus ruim baan voor de multiple en zijn componenten: groei, de ROIC en het rendement dat je eist voor het risico dat je neemt. Alledrie hebben ze onderlinge invloed. Tijd om dat verder uit te pluizen! We lopen verschillende scenario’s door, van bedrijven die ongelooflijk veel waarde creëren tot bedrijven die stilstaan of zelfs waarde vernietigen – óndanks hoge groei. Geïnspireerd door het ‘Niet alles wat blinkt is goud’, het nieuwe boek van Luc Kroeze. ► Uitgebreide show notes en achtergrondinformatie: https://jongbeleggendepodcast.nl/219-de-wedergeboorte-van-de-multiple ► Word Vriend: https://portfoliodividendtracker.com ► Updates via Instagram: https://www.instagram.com/jongbeleggen ► Mijn volledige portfolio: https://app.portfoliodividendtracker.com/p/jongbeleggen 1) We maken gebruik van programmatic advertising, wat inhoudt dat we geen invloed hebben op de spots die in de podcast worden afgespeeld. Dit is vergelijkbaar met tv, YouTube, radio en de krant, uiteraard met uitzondering van de advertenties die we zelf hebben ingesproken. 2) Deze podcast is 100% expertise-vrij en alleen geschikt voor amusementsdoeleinden. De inhoud mag niet worden beschouwd als financieel advies. ► Check met wie je veilig zakendoet. Check je zakenrelatie in het Handelregister. Voor meer informatie ga naar kvk.nl/handelsregister. ► Maak onderdeel uit van de energietransitie en werk aan het duurzame energienet van de toekomst. Bekijk alle mogelijkheden: werkenbij.alliander.com.See omnystudio.com/listener for privacy information.

Drew & Garden System chat with Jaime Pollack, founder of An Infinite Mind, to discuss her discovery of multiplicity, getting a diagnosis of dissociative identity disorder, and her incredible healing journey that led to the creation of An Infinite Mind and the formation of the Healing Together conference. Jaime Pollack lives in Central Florida where she works as a district Pre-K special education resource teacher. She also works part-time as an in-home early interventionist for special needs children aged birth to three. In 2005, she was diagnosed with Dissociative Identity Disorder (DID) resulting from childhood trauma. Jaime searched for support only to find there were very limited resources available. Her efforts to find support for herself led her to seek out other survivors living with the disorder. As she found others living with DID, she witnessed firsthand the challenges they shared and decided to shift her focus to help others, like herself, living with DID. Her passion to help others led to the creation of An Infinite Mind in January of 2008. Thank you to our sponsors:An Infinite MindHealing Selves TherapeuticsFollow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystemFollow us on TikTok: @seidi_gardensystem, @note_to_selvesFollow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops!Remember, this podcast is not a substitute for therapy. The purpose of this podcast is to educate and provide information on dissociative identity disorder. We share our personal stories, interview guests who also live with DID, and we interview mental health professionals to share their clinical knowledge.And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples.Articles cited in Seasons 4 & 5:Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

À l'occasion de la Journée internationale des infirmières du 12 mai, nous parlons de celles et ceux qui, une fois leur diplôme d'État d'infirmier acquis, ont choisi de se consacrer à une spécialité en particulier. Infirmièr.e.s en psychiatrie, en pédiatrie, en oncologie... Bien que les bases du métier soient les mêmes, les réalités et le quotidien diffèrent beaucoup selon le service dans lequel le soignant exerce et les pathologies qu'il prend en charge. Quelles sont les motivations pour s'orienter vers une spécialisation ? À quoi ressemble ce quotidien au service des autres ? Qu'est-ce que la spécialisation a changé pour ces hommes et ces femmes ?   Infirmière spécialisée, infirmière en pratique avancée, infirmière en milieu rural ou en contexte de crise... Près de 30 millions de personnes dans le monde exercent ce métier, d'après l'OMS, et dans de nombreuses régions de la planète, les infirmières sont l'unique réponse en cas de problème de santé.   Un métier à 87% féminin Aujourd'hui encore, même si ce métier est mixte, dans un pays comme la France par exemple, la profession est à 87% féminine. La question récurrente du manque d'effectifs constitue un défi majeur et le manque d'attractivité du métier concerne l'ensemble de la planète. Un même métier et de très grandes disparités : 29,8 millions d'infirmières étaient recensées dans le monde en 2023, mais d'un pays à l'autre, on observe des charges, des conditions de travail, des responsabilités variables. En France, on dénombre 94 infirmières pour 10 000 habitants. C'est moins qu'en Allemagne, avec 124 soignantes et beaucoup plus qu'au Bénin (6,12) ou au Rwanda (12,8). On relève aussi des écarts de revenus très conséquents d'un pays à l'autre : l'OCDE montre par exemple que les infirmières en Belgique sont quasiment payées le double de leurs consœurs en France. Une infirmière au Portugal est aussi trois fois moins payée que sa consœur du Luxembourg ! À écouter aussi : Infirmiers : quels obstacles au quotidien ? Avec : Julie Devictor, IPA en oncologie hépatique à l'hôpital Beaujon à Clichy en région parisienne. Maitre de conférences au département des Sciences Infirmières de l'Université Paris Cité.    Céline Hercé, infirmière en gériatrie au CHU Grenoble Alpes Yvonne Quenum, infirmière en psychiatrie exerçant actuellement à Tahiti.  ► En fin d'émission, nous partons en Roumanie où les étudiants français sont nombreux à s'inscrire dans des universités de médecine. La ville de Cluj-Napoca accueille la plus grande communauté d'étudiants français en médecine de Roumanie, avec plus de 1 000 étudiants pour la seule université « Iuliu Hațieganu ». Nombre d'entre eux sont venus en Roumanie après avoir échoué à l'examen d'entrée en France, attirés par un système d'admission plus accessible, des cours dispensés en français et des frais de scolarité moins élevés que dans d'autres pays européens. Un reportage de Guilhem Bernes, correspondant de RFI à Bucarest.   Programmation musicale :  ► Amadeus - Yâlla du juum  ► OGI - I got it. 

À l'occasion de la Journée internationale des infirmières du 12 mai, nous parlons de celles et ceux qui, une fois leur diplôme d'État d'infirmier acquis, ont choisi de se consacrer à une spécialité en particulier. Infirmièr.e.s en psychiatrie, en pédiatrie, en oncologie... Bien que les bases du métier soient les mêmes, les réalités et le quotidien diffèrent beaucoup selon le service dans lequel le soignant exerce et les pathologies qu'il prend en charge. Quelles sont les motivations pour s'orienter vers une spécialisation ? À quoi ressemble ce quotidien au service des autres ? Qu'est-ce que la spécialisation a changé pour ces hommes et ces femmes ?   Infirmière spécialisée, infirmière en pratique avancée, infirmière en milieu rural ou en contexte de crise... Près de 30 millions de personnes dans le monde exercent ce métier, d'après l'OMS, et dans de nombreuses régions de la planète, les infirmières sont l'unique réponse en cas de problème de santé.   Un métier à 87% féminin Aujourd'hui encore, même si ce métier est mixte, dans un pays comme la France par exemple, la profession est à 87% féminine. La question récurrente du manque d'effectifs constitue un défi majeur et le manque d'attractivité du métier concerne l'ensemble de la planète. Un même métier et de très grandes disparités : 29,8 millions d'infirmières étaient recensées dans le monde en 2023, mais d'un pays à l'autre, on observe des charges, des conditions de travail, des responsabilités variables. En France, on dénombre 94 infirmières pour 10 000 habitants. C'est moins qu'en Allemagne, avec 124 soignantes et beaucoup plus qu'au Bénin (6,12) ou au Rwanda (12,8). On relève aussi des écarts de revenus très conséquents d'un pays à l'autre : l'OCDE montre par exemple que les infirmières en Belgique sont quasiment payées le double de leurs consœurs en France. Une infirmière au Portugal est aussi trois fois moins payée que sa consœur du Luxembourg ! À écouter aussi : Infirmiers : quels obstacles au quotidien ? Avec : Julie Devictor, IPA en oncologie hépatique à l'hôpital Beaujon à Clichy en région parisienne. Maitre de conférences au département des Sciences Infirmières de l'Université Paris Cité.    Céline Hercé, infirmière en gériatrie au CHU Grenoble Alpes Yvonne Quenum, infirmière en psychiatrie exerçant actuellement à Tahiti.  ► En fin d'émission, nous partons en Roumanie où les étudiants français sont nombreux à s'inscrire dans des universités de médecine. La ville de Cluj-Napoca accueille la plus grande communauté d'étudiants français en médecine de Roumanie, avec plus de 1 000 étudiants pour la seule université « Iuliu Hațieganu ». Nombre d'entre eux sont venus en Roumanie après avoir échoué à l'examen d'entrée en France, attirés par un système d'admission plus accessible, des cours dispensés en français et des frais de scolarité moins élevés que dans d'autres pays européens. Un reportage de Guilhem Bernes, correspondant de RFI à Bucarest.   Programmation musicale :  ► Amadeus - Yâlla du juum  ► OGI - I got it. 

durée : 00:16:44 - Les Midis de Culture - par : Marie Sorbier - Figure majeure de la photographie au XXᵉ siècle, Lee Miller est légendaire. Derrière ces couches fantasmées, il y a un regard, trop souvent oublié, que le Musée d'Art moderne de Paris veut mettre à l'honneur. - réalisation : Laurence Malonda - invités : Philippe Azoury Journaliste, critique et auteur; Stéphane Corréard Editorialiste au Journal des Arts

Send us Fan MailExplore the nuanced world of car wash multiples with hosts Chris Jenks and Jeff Pavone on Behind The Business. This episode provides an essential guide for car wash owners and investors, dissecting what truly drives valuation in today's dynamic market. Learn about the shift towards disciplined buying, the impact of market saturation, and the critical role of KPIs in maximizing your business's worth. Discover how strategic positioning, leveraging technology, and understanding investor types like family offices can shape the future of your car wash enterprise. Get actionable insights to navigate the M&A landscape and make informed decisions about growth and exit strategies.What You'll Learn:The current state of the car wash industry and buyer behavior.Factors influencing car wash multiples beyond just numbers.The importance of membership penetration and other key performance indicators (KPIs).How private credit markets and family offices are impacting investment.Strategies for maximizing your car wash's valuation.The future of car washing: consolidation, technology, and regional dominance.Practical advice on evaluating and implementing new technologies.Don't miss this deep dive into the economics and future of the car wash business!#CarWashIndustry #BusinessStrategy #InvestmentTips #PodcastInsights #BehindTheBusiness

Nonfat is sitting north of $2.25 on the CME spot market. But the bigger question is how long it can hold. In the latest episode of The Milk Check, the Jacoby team breaks down a dairy market that feels tight, fragile and increasingly dependent on timing. Here's what they're watching: Why nonfat prices surged, and what could break them How protein demand is pulling milk away from dryers Why MPC and MPI are outpacing nonfat What the inverted futures curve suggests for the second half of the year How depooling and Class III–IV dynamics are shifting milk flows Why butter feels weaker, even in the middle of flush Plus, the team talks through what happens if the nonfat market doesn't break soon. There's still a lot of milk moving. Just not where it used to go. Let the Jacoby team help you get up to speed on the new dairy market dynamics. Click below and listen to The Milk Check episode 98: A Market on Borrowed Time. Got questions? We'd love to hear them. Submit below, and we might answer it on the show. Ask The Milk Check Ted Jacoby III: Coming up on the Milk Check. Jacob Menge: if this doesn’t start falling soon, I think there’s gonna be people that are trying to make money on the short side of this thing because they didn’t make money on the long side. Ted Jacoby III: Welcome to the Milk Check from T.C. Jacoby & Co., Your complete guide to dairy markets, from the milking parlor to the supermarket shelf. I’m Ted Jacoby. Let’s dive in. Today is May 1st. It’s a couple of days after the ADPI and a couple of weeks after the Cheese Expo, and it’s usually after those two meetings a really good time to talk markets. So, we’ll go ahead and start with the market that everybody was talking about at the ADPI. Josh, Jake, Joe, what’s going on with our nonfat market? We’re at $2.26 today, I believe. Are we gonna stay up here for a while? Josh White: It’s a more challenging question than just the absolute price today. I think that if I were to summarize the show, there was a recognition across the entire dairy industry that there might be some legitimate reasons for nonfat to be tighter than they have been over the last several years. It feels like a lot of different things have resulted in the current spot price that we’ve seen today. Over the last five years, we globally have made more skim milk powder and nonfat. We’ve consumed more skim milk powder and nonfat, but the real story is in the fact that we’ve also made a whole lot more milk, and that milk doesn’t seem to have found its way to the dryer. Seems to have found its way to a variety of different products. And equally as important during the ADPI was the talk about the protein market, which I think we can likely get to later. But things like RDT products, beverages, protein consumption, cheese consumption, a lot of things have consumed incremental milk growth, particularly in the U.S., and that happened after many years where buyers had very little concerns over access to supply. And as a result, I think in the background we watched global inventories decline, and that all seems to have come to a head here in the early part of 2026. And now as we’re getting into the northern hemisphere flush, and particularly in middle America, yeah, then we have ADPI. And so, what’s interesting about your question is throughout most of the conference people were pretty convinced, “Yeah, we’re in a tighter nonfat market. We’re all buying into that.” Yet, the days following ADPI, we’ve seen futures sell off a bit and we’ve seen a little bit more volume traded at the CME spot call. What’s that mean going forward? Jacob Menge: The most interesting thing going forward is you don’t talk to single person that says these prices are gonna stick around for six months. And so it’s really a matter of timing, how long do we stay up here? I think we’re already up here longer than most anybody thought. And the other thing is, nobody got this market right. Some people got in at a buck 25. Those guys sold at a buck 40. They said, “I’m gonna take my 15, 20 cents and run.” And they felt like a genius for about three days before we were quickly at a buck 60. And we’ve got this really interesting dynamic of no market participant really happy with it being up here because nobody really made money on the way up. And everybody convinced that, okay it’s on the clock for when it comes off. And I’m not even gonna disagree with that, right? I don’t think anybody would argue that long-term we’re gonna have $2.50 nonfat in 2028 or whatever. But this really comes down to a question of timing, and I think that’s where you get mixed opinions. But in general, I think most people are of the opinion that it’s not gonna be that long before this thing does start to fall. I don’t have that strong of an opinion actually, but what I do have an opinion on is if this doesn’t start falling soon, I think there’s gonna be people that are trying to make money on the short side of this thing because they didn’t make money on the long side, that they’re gonna start feeling some pain. And as our curve has come up a bit over the past month, we’ve got this really interesting market conditions where, again, if we’re up at these levels even a month from now, two months from now sure, I’d make the argument, why couldn’t you have another squeeze higher? Because there’s still not that much product available right now today. We’re starting to see that change. We saw some really nice volume on the CME spot auction just this morning. But that’s what the eyes are on is how long does this thing take? And if it starts this week versus six weeks from now, I think those have very different implications for how the market reacts. Josh White: We’ve got three different reactions to the nonfat market right now. You’ve got the true nonfat participants that need product now, and that’s priced in the $2.25-plus type range right now on the countryside. And to your point, we’re seeing a few more loads available which is a decent sign. The market participants seem pretty convinced that we’re gonna see an easing from this price, but so are futures. And I think that’s another important thing to point out is that the futures curve is inverted and it’s quite a bit lower than the spot price today. So, you can have both situations. You can have a spot price drop while the futures price maybe doesn’t as much. Over the past few days, the futures curve has definitely traded lower, confirming what we heard there is that most people don’t believe in this market being as tight as it is currently into the future. And we have to remember, this is traditionally a globally traded product and our competitors across the pond are still quite a bit lower and making a whole lot of skim milk powder today. So, I think longer term, if the assumption is that we need to compete globally for at least some business, particularly in markets like Asia, we’re gonna have to be a little bit more aggressive to compete, but futures are saying we will be. Another important topic was now we’re starting to see an acceleration of the NDPSR price now that we’ve had several months of higher spot prices, and that’s starting to have an impact on markets other than just the powder market. And I think maybe, Gus, you would have a little bit more to say about how the market’s reacting to some of the component prices moving higher in the solids nonfat side of things. Gus Jacoby: The situation as we’ve talked about in the past is protein is being pulled in a lot of different directions and we don’t see that demand going away anytime soon. The one comment I would make though is your isolated protein, certainly UF milk in fluid form, are seeing some of the highest demand that we’ve seen in a very long time. So, if you’re cheese maker, if you wanna fortify, and certainly on higher butterfat milk, there’s plenty of folks that wanna fortify right now, there’s probably a little bit of a pull on all the skim solids at this moment in time. I don’t think that story has changed. We’ve beaten that up for a while. But that’s certainly gonna pull a fair amount of milk out of the dryer for nonfat. You look at where the capacity has been added, whether it be in the Southwest with all the large cheese plants that have been added there, and then Upstate New York where some dryers are also gonna sit idle as some new processing capacity comes on there. That’s two areas of the country that are gonna get a lot less milk into the nonfat dryers than previous. And certainly here we are now in the flush as these plants ramp up, it would typically be your highest powder production timeframe, and instead those solids are going elsewhere, and that will keep nonfat production down for the foreseeable future. Ted Jacoby III: Gus, are you seeing milk move towards Class IV plants instead of Class III plants this year? Gus Jacoby: We still see fortification solids during this flush finding its way into cheese plants. But that’s your surplus skim solids that might exist, and those are only available, I believe, because of the flush. Now, it’s not UF milk, right? UF milk tends to be going elsewhere whether it be going to some sort of IV or II-type arrangement, whether it be a high-protein beverage or a high-protein dry product. But you are still seeing a fair amount of condensed and other skim solids going to the cheese vat for fortification purposes. I think the way that will unfold likely is that those surplus skim solids that aren’t being turned into isolated protein products, they’re gonna probably get pulled out to a certain degree of the cheese plants, and then cheese plants will just not be able to utilize fortification as they are typically used to or would like as we move through the year. Ted Jacoby III: So, what you’re saying is if the price stays up here, the milk that is going into the dryers making nonfat will continue to do so longer than usual, and they won’t lose the flush-specific skim solids? Gus Jacoby: I don’t know if I’d agree with that, Ted. I think the flush, no matter where you’re at in the country, the surplus solids find its way to the dryer typically. And as we come out of the flush, certainly less solids everywhere will go toward the nonfat dryer, just as it always does during those seasonality changes and we come out of the spring. It’s just that the areas I talked about, Southwest and Northeast, they’re not getting near as much as they used to in the flush, and so overall that production is going to be missed upon the market. Ted Jacoby III: Do you sense any kind of competition right now between Class III and Class IV for the surplus milk, or is it just following its usual path? Gus Jacoby: There’s some surplus condensed solids going to cheese plants that if a better price could be had into a powder plant, it would go there. Ted Jacoby III: Okay. Gus Jacoby: And that’s happening predominantly in the upper Midwest, and maybe a little bit in other areas. But certainly if you’re gonna get a higher return going into cheese than you could going into powder, you’re gonna go after it right now. And that’s where the demand I would say is. But surplus is surplus, and you’re gonna sell it to the highest return you can. Ted Jacoby III: Okay. That sounds good. Joe, anything to add on the nonfat side? Joe Maixner: Any milk that is making it to dryers, they’re prioritizing the milk to try to get into the milk protein concentrate (MPC) sector or milk protein isolate (MPI) as opposed to nonfat because the return is better. Ted Jacoby III: Makes sense to me. Joe, Josh, are we seeing MPC prices rise faster than nonfat right now? Josh White: Yeah, no, it has to be faster than nonfat because basis is appreciating. You’ve got an MPC market that likes to trade on a multiple of nonfat, and that has appreciated. That has continued to increase. Now, again, I noted earlier we got an inverted forward curve, which means that basis can be going up and price could stay the same or even go down the second part of the year. So, that’s the dichotomy we’re dealing with right now, is that from a cost basis, it looks like it could be pretty okay the rest of the year. And if there’s dry time available, you would think you’re gonna maximize that MPC. And when compared to whey protein concentrate (WPC) prices, MPC 85 is a bargain. But again, not everyone can easily substitute between the two, and that takes some time for the market to figure out which market participants may be able to switch between WPCs and MPCs, may take a little time for them to make that switch. Ted Jacoby III: So, I just wanna clarify for the audience. There’s two different ways we can look at it. If we’re selling it forward into the second half of the year, from a market perspective, we may be selling it for a lower price because the futures curve is a lot lower than the cash price is today. But if we’re selling MPC or nonfat today, you’re telling me that the nonfat price has effectively doubled in the last three months, and the MPC price has more than doubled because not only has its basis doubled based on the nonfat market, but the overage above that has also gone up. Josh, you’re on mute. Josh White: I thought you said clarify for the audience, so I didn’t realize it was a question for me. Ted Jacoby III: Oh the answer is yes. That’s exactly what’s happening. Josh White: Yes. Nailed it. Ted Jacoby III: All right. So, basically what we’re saying is skim solids and protein are in high demand. That’s loud and clear. [Center commercial] Ted Jacoby III: Mike, what about from a federal order perspective, how this all feeds through the federal order? Obviously, since it’s a higher market right now, Class IV is what’s driving Class I prices. Obviously, it drives Class II prices. Is there anything else that kind of shifts around in a market like this? Mike Brown: There’s a couple things. First of all, a lot of your Class IV production is co-op owned. And what we’re seeing is depooling in Class IV, and to some degree Class II where it’s possible. So, rather than to go into the pool and get a blend price that’s below your class price, they’re electing to depool, just like we saw with cheese last fall when it was much higher than butter powder. We’re seeing some of that. But if you’re pooled, you’re ambivalent because you’re gonna pull the pool draw out anyway, and it’s not gonna make a lot of difference. It’s markets like the Southwest where a lot of that milk is never pooled or rarely pooled, and even in the eastern part of Kansas, changes in central order, you less have to pool it because the differential is so much wider now from Kansas City than it used to be. You may see more activity as you watch pool decisions being made since last June when the changes, people are getting a lot better at predicting whether or not they should be involved with the pool or not because it’s getting easier to predict because behavior is more what you’d expect. So, from my point of view, it has some effect, certainly, and if you’re trying to maximize a return to your owners and you have a plant with capacity and you get a higher value product, you’re gonna try to run the milk through that plant. Second part of that, of course, if you already have obligations, and some of these new cheese plants have supply obligations, they’re gonna get their milk regardless of the shift in price. So, it has less effect than you might think, but there is still effect, particularly if you’re having to pool your IV. There’s certainly a lot of IV being depooled right now. Production isn’t much lower. It’s just regionally shifted some, a lot more in the West Coast right now than in the Southwest. The orders kinda mute what would be the normal market decision to maximize return on milk for a producer because if you’re gonna blend it anyway, you don’t have the incentive that you do if you don’t. That said, right now, Class III guys, they’re pooled. The other part of this III-IV spread is, of course, what is the value of those solids into those cheese plants? I’m working on that today, Ted, trying to figure out how much does the high-WPC80 and WPI market bring to the value of buying outside Class IV solids to justify the price? Just on the price of cheese, I got some numbers here in front of me, you’re looking at on a per-pound cheese yield basis, if you buy powder in the powder market right now, it’s 25 to 40 cents more per pound cheese yield than it would be if you’re getting it from Class III. Mike Brown: You better either have a great margin or you’re really hitting up the whey market, and I’m gonna figure out exactly what that is. But that decision isn’t just a cheese decision, particularly with whey protein so high. There is a value of that nonfat dry milk whey protein that in the past didn’t matter as much as it does now. So, it may make that slightly more attractive or less unattractive than it would’ve in the past because your whey returns are so high on that protein compared to what they have been historically. So, it’s complicated, but it’s not just the value in cheese. It’s the value in cheese and in whatever your plant can make for whey. If you can make WPC80, you can pay more for those nonfat solids, obviously, than you can if you don’t. Ted Jacoby III: So to clarify, usually when you ship fluid into a Class III plant, you pay the Class III solids price. Mike Brown: That’s correct. Ted Jacoby III: If you use powder, you’re gonna have to pay whatever the prevailing nonfat price is. And most everybody running a cheese plant right now would really like their skim solids in fluid form so they can pay those Class III values instead of the Class IV values. Mike Brown: Oh, absolutely. But if they’ve got excess fat, and a lot of our American-style cheese plants now do have excess fat, what’s your market for that fat, and does it make sense to pay a little more for that protein from the Class IV side so that I can get a better price for that fat? Although we all know multiples this year aren’t near as horrible as they were a year ago. Yeah. So it’s a little better market. If you’re gonna get right down to dollars and cents, really you gotta look at your whole product mix out of your cheese plant and figure out what can you really afford to pay for those solids . And plus the opportunity of running your plant more full. What’s your fixed cost savings by running more product through your plant even if the cost is a little higher? Ted Jacoby III: Speaking of butterfat, Joe, this butter market just feels like it’s gone a lot lower than we expected it to go. Joe Maixner: Yeah, it’s weak. Cream’s not sloppy. It sure doesn’t seem like it’s super long in the market. But there’s still plenty of butter being made, and I think that this market’s also pricing in the fact that we’re anticipating that export reports are gonna decrease in the amount of butter that will get out monthly moving forward until this Middle East conflict gets resolved. And we’re basically peak flush through east of the Rockies, so this is the highest production point we’re gonna see through the rest of the year until we get past the holidays. Ted Jacoby III: Gus, are cream multiples poor right now as well? Gus Jacoby: We’re still on the flush, right? But they’re much, much tighter and higher than they were a year ago this time. It just goes to show that the additional churn capacity we’ve seen around the country and some better preparation by a lot of folks in dealing with excess butterfat has made this market a fair amount healthier when it comes to cream. Not near as sloppy as it was a year ago. Multiples have held at or better than even the year previous for flush times. So, I would imagine that what we’re gonna see here going forward is representative of this new marketplace. Ted Jacoby III: Josh, anything to say about the whey protein market? Josh White: Maybe some early signs of a market trying to figure out if it wants to continue on the trajectory it’s been on. WPC80, the general consensus out of ADPI is it remains tight. Seen a few extra spot loads trade this week though, so maybe some people were waiting for that information to let go of a little excess inventory or some incremental loads. WPI feels like it’s pretty stable. And the market came to the conclusion, I believe, during the ADPI conference, that, okay, it seems to be priced right. It doesn’t feel like WPI needs to go up at the moment. And we’ve definitely seen more offers since the show. Not ready to conclude that’s going lower because of where the WPC80 price is and how tight the WPC80 market is. So, those two have really converged at the moment, almost to a point that doesn’t make a lot of sense, the price spread between the two, so the market’s going to figure that out. So, yeah, that would be the only changes. Other than that, maybe just reiterating that we are constantly talking to new customers about new demand creation, and also outside of the traditional sports nutrition category, a lot of new CPG product launches and things like that are absolutely still in motion and consuming a lot of dry protein. Ted Jacoby III: Makes sense to me, and I would agree. And then, what I would say about cheese is it was easily the most boring market at the ADPI. I’d start by saying that. It feels like a market where a lot of people are complaining that the price isn’t low enough for them to get new sales on, but they also can’t find a ton of product out there. There is some spot product trading around, but there’s not massive quantities of it like you sometimes see in the height of the flush, which just makes me feel that right now the cheese market is in balance. In balance in a way that maybe we’re not getting a huge amount of additional export sales on the books, but we are continuing to export at a pretty high rate , especially considering there’s a lot of sales on the books that were put on the books earlier in the year that are gonna continue to ship. And it’s kept this market, this cheese market, I think, relatively well cleaned up considering we’re in the height of the flush. So, we don’t see a lot of movement going forward, at least in the next few months in cheese. You’re gonna trade in a 30 cent range, 20 cent range around where the current price is. That would be my take on the cheese market. All right. To all our listeners, I really appreciate you guys listening to us. I hope this information is helpful, and we look forward to talking to you soon. Take care. [Ending credits]

Drew & Garden System sit down with Ryder Fox to clarify the complexities of affirming care and non-carceral support of folx living with DID/multiplicity that are navigating their healing journey.Ryder Fox, MS (they/them) is a trauma-informed wellness coach, educator, and consultant with nearly 30 years of experience supporting vulnerable populations. They work at the intersection of practitioner education and direct client care—helping professionals build sustainable, long-term approaches to supporting people living with complex chronic conditions, while also working directly with individuals who often struggle to find affirming, effective support. As the founder of Stronger U, Ryder has had the rare privilege of supporting some clients continuously for nearly two decades. They are also the founder of THRIVE Lifeline, a nonprofit providing identity-affirming crisis and peer support for multiple marginalized communities. Bringing both professional expertise and lived experience as a plural trauma survivor with chronic conditions, Ryder centers autonomy, trauma-informed care, and deeply relational approaches in all their work. They are especially passionate about bridging the gap between providers and the communities they serve—helping create care relationships that are not only informed, but truly sustainable.Thank you to our sponsors: Institute for Creative MindfulnessTransitions DelawareFollow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystemFollow us on TikTok: @seidi_gardensystem, @note_to_selvesFollow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops!Remember, this podcast is not a substitute for therapy. The purpose of this podcast is to educate and provide information on dissociative identity disorder. We share our personal stories, interview guests who also live with DID, and we interview mental health professionals to share their clinical knowledge.And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples.Articles cited in Seasons 4 & 5:Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

Dans nos régions, certaines figures traversent les siècles, à la frontière entre histoire et légende. C'est le cas de Saint Materne, dont le nom résonne encore dans plusieurs localités de la province de Namur, de Dinant à Walcourt, en passant par Ciney ou encore Jambes. Personnage bien réel de la fin de l'Empire romain… mais dont la vie a été largement enrichie de récits extraordinaires, entre miracles et croyances populaires. Découvrons ces récits en compagnie de Jean-François Pacco et Fanny Cuisset. Merci pour votre écoute Un Jour dans l'Histoire, c'est également en direct tous les jours de la semaine de 13h15 à 14h30 sur www.rtbf.be/lapremiere Retrouvez tous les épisodes d'Un Jour dans l'Histoire sur notre plateforme Auvio.be :https://auvio.rtbf.be/emission/5936 Intéressés par l'histoire ? Vous pourriez également aimer nos autres podcasts : L'Histoire Continue: https://audmns.com/kSbpELwL'heure H : https://audmns.com/YagLLiKEt sa version à écouter en famille : La Mini Heure H https://audmns.com/YagLLiKAinsi que nos séries historiques :Chili, le Pays de mes Histoires : https://audmns.com/XHbnevhD-Day : https://audmns.com/JWRdPYIJoséphine Baker : https://audmns.com/wCfhoEwLa folle histoire de l'aviation : https://audmns.com/xAWjyWCLes Jeux Olympiques, l'étonnant miroir de notre Histoire : https://audmns.com/ZEIihzZMarguerite, la Voix d'une Résistante : https://audmns.com/zFDehnENapoléon, le crépuscule de l'Aigle : https://audmns.com/DcdnIUnUn Jour dans le Sport : https://audmns.com/xXlkHMHSous le sable des Pyramides : https://audmns.com/rXfVppvN'oubliez pas de vous y abonner pour ne rien manquer.Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

AM Best Senior Director Wai Tang and Director Matthew Tuite discuss a new Best's Special Report that finds that the ILS market is expected to grow in 2026, albeit slower than 2025.

A bientôt 26 ans, Jessie Kampman a déjà un sacré parcours. Née en Grande-Bretagne d'une mère anglaise et d'un père sud-africain, elle grandit dans le sud de la France, baignée par des cultures différentes - "Ça permet d'avoir une grande ouverture d'esprit", souligne-t-elle. Elle tire ses premiers bords à Sainte-Maxime, enchaîne dix ans de 420, deux fois championne d'Europe et 5e mondiale.Lors de ses études de droit à Southampton, elle découvre le kite, "une révélation". Elle se pique à la discipline et revient s'entraîner avec l'équipe de France, "il fallait que je cravache pour rattraper mon retard". En 2023, lors de la préparation pour les Jeux de Paris, elle est victime d'un accident qui lui "fait relativiser plein de choses et apprécier encore plus la vie".Depuis, Jessie Kampman, qui a quatre nationalités, a été sélectionnée par le défi français pour la première Women America's Cup de l'histoire en tant pilote remplaçante à Barcelone, "une expérience très inspirante", avant de changer de fédération pour courir sous les couleurs des Pays-Bas. En 2025, elle décroche le titre mondial et vise désormais les Jeux de Los Angeles, en 2028.Navigantes est animé par Hélène Cougoule et produit par SailorzPrésenté par PaprecDiffusé le 15 avril 2026Post production : Théo LevillainGénérique : All the summer girlsHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Drew & Garden System sit down with Sally Maslansky LMFT to discuss her healing journey with dissociative identity disorder and her new memoir, A Brilliant Adaptation. Sally provides a unique look at what living with DID and trauma recovery can look like from an integrated perspective.Sally Maslansky is a psychotherapist and author whose lived experience with Dissociative Identity Disorder (DID) profoundly informs her clinical work and writing. Diagnosed in her mid-thirties, she worked in therapy with Dr. Daniel J. Siegel, MD—treatment grounded in Interpersonal Neurobiology (IPNB), Attachment Theory, and Mindful Awareness Practices. Now a practicing therapist herself, Sally brings a rare dual perspective to the field—bridging the personal and the professional. Sally lives and practices in Chapel Hill, North Carolina, where she continues her work in private practice and trauma advocacy. Buy Sally's book here:  https://amzn.to/4240drhhttps://sallymaslansky.com/https://drdansiegel.com/Thank you to our sponsors!Yvonne Fall - https://www.yvonnefalllpc.com/Healing My Parts - https://www.healingmyparts.org/ Follow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystemFollow us on TikTok: @seidi_gardensystem, @note_to_selvesFollow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops!Remember, this podcast is not a substitute for therapy. The purpose of this podcast is to educate and provide information on dissociative identity disorder. We share our personal stories, interview guests who also live with DID, and we interview mental health professionals to share their clinical knowledge.And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples.Articles cited in Seasons 4 & 5:Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

durée : 00:59:03 - Affaires étrangères - par : Christine Ockrent - Après une campagne tendue, marquée par les scandales de corruption, l'ingérence russe, américaine et la crise économique, les Hongrois s'apprêtent à voter aux élections législatives. Viktor Orbán peut-il tomber ? Quels sont les enjeux de ce scrutin crucial, pour le pays et pour l'Europe ? - réalisation : Luc-Jean Reynaud - invités : Antonela Capelle-Pogăcean Chargée de recherche Sciences Po au CERI (Centre d'Etudes et de Recherches Internationales) et enseignante à Sciences Po Dijon; Pierre Vimont Ancien ambassadeur de France aux Etats-Unis, ancien secrétaire général exécutif du Service européen pour l'action extérieure, chercheur associé au think tank Carnegie Europe; Paul Gradvohl Historien, professeur à l'Université Paris 1 Panthéon-Sorbonne, spécialiste de la Hongrie; Assen Slim Économiste, professeur à l'Inalco et à l'Essca

Buying a gym can be one of the best business decisions you'll ever make or one of the most expensive mistakes of your life.In this episode of “Run a Profitable Gym,” Two-Brain Business CEO John Franklin and attorney Matthew Becker of Gym Lawyers PLLC walk you through exactly how to buy a gym without overpaying, buying a disaster or landing on legal landmines.Matthew has handled over $50 million in gym transactions, and John has personally bought and sold five gyms in New York City.In this step-by-step training, the pair break down:The formula for valuing a gym.Factors that impact the valuation.How to define and find the gym you're looking for.The legal process for buying a gym.Options for financing a gym purchase.Before you commit to a buy, check out this show and make sure you're setting yourself up for long-term success in the fitness industry.LinksFree valuation calculator: "How to Buy a Gym""How to Value a Gym: SDE, Multiples and What a Gym Is Actually Worth"Book a CallGym Lawyers Consultation2:41 - How to value a gym17:14 - Define your “buy box”18:55 - The search22:12 - Legal and financing36:43 - The full playbook

Rediffusion. Surnommée la “mante religieuse”, Christelle Doisy a escroqué tous ses amants et détourné plusieurs milliers d'euros. Pendant 30 ans, cette arnaqueuse hors-norme a changé plusieurs dizaines de fois d'identités et vécu aux quatre coins du globe… Un procès aux multiples rebondissements Lundi 15 mai 2023 - tribunal correctionnel d'Amiens. C'est le jour de l'ouverture du procès de Christelle Doisy et de son ex-mari Frédéric Descours devant le tribunal correctionnel d'Amiens. Tout le monde est là, sauf une personne, devinez qui ? Christelle Doisy. Elle a fait parvenir un certificat médical au président du tribunal. Elle se trouve dans le sud-est de la France, immobilisée après avoir été renversée par un scooter. Un podcast Bababam Originals. Écriture et voix : Caroline Nogueras Learn more about your ad choices. Visit megaphone.fm/adchoices

durée : 00:05:53 - Dans la playlist de France Inter - par : Marion Guilbaud, Matthieu Conquet - Amitié, rock et éclectisme en playlist avec The Sophs Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Drew & Garden System have an informative discussion with Amy Beckler LCSW on the benefits of yoga and somatic exercises for people living with complex trauma, particularly those experiencing dissociative identities.Wheel of Tolerance - https://livethechange.se/index.php/blog/the-wheel-of-toleranceDissociation Made Simple - https://amzn.to/4uZYmB0 Thank to our sponsors:Healing My Parts - https://www.healingmyparts.org/Healing Selves Therapeutics - https://www.healingselvestherapeuticspllc.com/ Follow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystemFollow us on TikTok: @seidi_gardensystem, @note_to_selvesFollow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops!Remember, this podcast is not a substitute for therapy. The purpose of this podcast is to educate and provide information on dissociative identity disorder. We share our personal stories, interview guests who also live with DID, and we interview mental health professionals to share their clinical knowledge.And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples.Articles cited in Seasons 4 & 5:Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

Identical quadruplet girls + 2 other children, all under 6? If there's a dad that gets multiples and all that comes with it, it's engineer and dad of quads, Jonathan Sandhu. In this episode, Jonathan shares how he reconciled best-case and worst-case scenarios with his wife and the babies, the hilarious difference between mom and dad online support groups, how he integrated work, family and life and the phone call that changed his perspective. If you've ever wondered how a NICU dad of multiples leans into the chaos, this one's for you.  

¿Y si lo que tú llamas “la verdad” no es más que una interpretación… filtrada por tu historia, tus heridas, tus creencias… y tu forma de mirar la vida? Hoy vamos a abrir un espacio distinto. No para encontrar respuestas absolutas… sino para expandir la manera en la que observas. Porque cuando cambia el observador… cambia la realidad que experimentas.

durée : 00:08:46 - Nouvelles têtes - par : Daphné Bürki - L'invitée de Daphné Burki est Naïka, chanteuse, pour la sortie le 20 février de son album “Eclesia". Elle sera à l'Élysée Montmartre le 5 mars et à la Salle Pleyel le 8 mars. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

In this episode of Portfolio Pulse, host Steven Huskey welcomes Mark Osborne—founder of Modern Revenue Strategies, marketing technology trailblazer, best‑selling author, and one of the few marketing and sales experts who is also a Certified Exit Planning Advisor. Mark shares his unexpected journey from promoting college bands to advising major brands, and ultimately to helping mid‑sized businesses grow revenue and maximize enterprise value. Mark explains why traditional marketing agencies often miss the mark when companies are preparing for an exit, and how shifting focus from “big, sexy strategy projects” to improving processes, systems, and recurring revenue can dramatically increase a company's valuation. With real examples—including how a roofing company doubled its exit multiple—Mark breaks down the practical steps entrepreneurs can take to strengthen EBITDA, enhance transferability, and position their business for a more profitable sale. 

Drew & Garden System discuss the healing journey from childhood abuse and dissociative identity disorder with Bonnie Armstrong, the author of An Apparently Normal Person. Bonnie's story is unique in that she worked in child welfare and advocacy without realizing she, too, was a survivor of childhood abuse. Her medical struggles helped her uncover the truth about her past.Bonnie R. Armstrong spent decades as an apparently normal person, unaware of the complex dissociative infrastructure that hid much of her childhood from her conscious memory and supported her from inside. Bonnie enjoyed her life as wife, mother, community activist, and a 40-year career that included high-level positions in two Governors' offices. She served as an expert consultant on child and family policy issues with federal, state, county and local governments and philanthropies, and as a national speaker and trainer. She specialized in youth development and child abuse prevention, not knowing that she was also an abuse survivor. When she turned fifty, a mysterious and debilitating illness attacked Bonnie, eventually requiring her to use a wheelchair to continue her active life. After six years of testing and continued degeneration, her neurologist ruled out medical causes and referred her to a psychologist. Together, Bonnie and her therapist slowly uncovered her dissociative disorder, her strong internal community, and the secrets of her childhood. Now she has written a memoir that chronicles her healing journey and the ways her system used dissociation to survive and thrive.  An Apparently Normal Person: From Medical Mystery to Dissociative Superpower has won several awards and was an Amazon best-seller. Bonnie continues to speak out and write about dissociation and childhood trauma. She also is a life coach, a grandmother and the matriarch of a large extended family. She and her internal community live collaboratively, focused on their joint life's purpose to break generational cycles of abuse and to use every moment and interaction to create a more loving, harmonious world. Visit Bonnie's website:  https://www.bonnierarmstrong.com/Buy Bonnie's book, An Apparently Normal Person, here: https://amzn.to/4sl5TsCThank you to our sponsors:An Infinite Mind: https://www.aninfinitemind.org/Healing My Parts:  Follow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystemFollow us on TikTok: @seidi_gardensystem, @note_to_selvesFollow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops!Remember, this podcast is not a substitute for therapy. The purpose of this podcast is to educate and provide information on dissociative identity disorder. We share our personal stories, interview guests who also live with DID, and we interview mental health professionals to share their clinical knowledge.And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples.Articles cited in Seasons 4 & 5:Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

[REDIFFUSION] Dans cet épisode, à l'occasion de la Saint-Valentin, découvrez l'un des séducteurs les plus connus de tous les temps. Il est également un aventurier, un romancier et un grand témoin de l'Europe du 18ème siècle. Sa renommée, son mode de vie et son sens de la séduction furent tels que son patronyme est devenu un qualificatif pour désigner les hommes qui aiment plaire. Son nom : Giacomo Casanova. De sa passion de l'amour à son goût pour le jeu et la manipulation, découvrez son Fabuleux destin. “Cet homme est un Casanova” De combien de séducteurs a-t-on pu entendre ce qualificatif ? Figure parmi les figures de l'homme aux multiples conquêtes, Casanova est une référence depuis plus de deux siècles. Son seul “concurrent” pourrait être Don Juan, à la différence près que Giacomo Casanova n'est pas un personnage de fiction, il est une réelle figure historique du 18ème siècle. Et Casanova préférait de véritables histoires d'amour qu'il investissait pleinement. Mais comment est-il devenu le séducteur le plus connu ? Une production Bababam Originals Ecriture : Hélène Vézier Voix : Andréa Brusque Learn more about your ad choices. Visit megaphone.fm/adchoices

Banks confront renewed private credit and AI-driven risks Private credit has remained a persistent concern for banks, and recent events have brought those worries back into focus. At the same time, new fears around AI-driven competition and potential credit deterioration have weighed on the group. Ebrahim Poonawala joins us to discuss how management teams addressed these issues at the recent BofA Financials Conference, the potential defenses that banks have against AI disruption, and the ways AI could enhance efficiency. We also explore how much of this is now reflected in bank valuations, with many large regionals trading back to pre COVID P/E levels despite regulatory and cyclical tailwinds. While our US Economics team does not view a deteriorating macro backdrop as the base case, such a scenario would pose risks for valuation multiples and earnings.  You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2026 Bank of America Corporation. All rights reserved.

Tim Sherwood and Rene Meulensteen join Natalie Pike for a packed football debate full of insight, honesty and strong opinions.The panel break down Michael Carrick's growing influence at Manchester United, highlighting how his leadership and man-management have helped unlock the best from Benjamin Šeško. Tim even holds his hands up, issuing a candid apology after previously writing Šeško off during his time under Rúben Amorim.There's also a fiery discussion on Spurs, as Tim delivers a passionate verdict on Igor Tudor's start as interim boss. He shares his view on who should take the reins permanently and reveals the starting XI he'd pick for their massive clash with Crystal Palace this week.Meanwhile, Rene offers fascinating behind-the-scenes insight into working under Sir Alex Ferguson, explains why he wouldn't follow Mikel Arteta's heavy focus on set pieces, and reveals details from a recent conversation with Carrick.

Drew & Garden System have an in depth discussion about surviving and healing from cult torture and abuse with Cheryl Rainfield, a survivor living with poly-fragmented dissociative identities. who used creative writing as a tool for healing and to shed light on the truth on cults and human trafficking.Award-winning author Cheryl Rainfield is a nonbinary lesbian who writes novels for teens, drawing on their own trauma and healing experience to write. They're the author of six books including SCARS, STAINED, HUNTED, and VISIONS; SCARS has their own arm on the cover. Cheryl is a cult torture survivor with resulting polyfragmented Dissociative Identity, and talks about these issues on social media and through articles on their website. Cheryl Rainfield has been said to write with “great empathy and compassion” and to write stories that “can, perhaps, save a life.”CherylRainfield.com . TikTok . Facebook . Instagram . YouTubeCheryl also published an article about how cults utilize aspects of EMDR in their torture and modifications for therapists to help overcome these barriers. Check it out here:  https://www.cherylrainfield.com/cult-uses-aspects-of-emdr-in-cult-torture/.Thank you to our sponsors:Petals of a Rose:  https://www.dylancrumpler.com/watch-petals-of-a-roseHealing Selves Therapeutics: https://www.healingselvestherapeuticspllc.com/Follow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystem Follow us on TikTok: @seidi_gardensystem, @note_to_selves Follow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops! And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples. Articles cited in Seasons 4 & 5: Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

[REDIFFUSION] Découvrez dans cette saison l'affaire Laetitia Toureaux, le premier meurtre dans le métro parisien. Espionne anticommuniste pour le compte de grand patron, elle se retrouve rapidement au service de l'État pour infiltrer les cercles d'extrêmes droites. Jouant sur plusieurs tableaux, sa vie est en grand danger. Elle est finalement assassinée en 1937 dans une rame de métro parisien. L'affaire remue totalement l'opinion publique et remet en question les prises de positions politiques à l'époque... Dans les méandres de l'oubli  De nos jours, l'affaire du meurtre de Laetitia Toureaux comporte encore des zones grises très importantes. À de nombreuses reprises, pourtant, les différents enquêteurs qui se sont succédé ont cru toucher au but, et les rebondissements n'ont pas manqué pendant des années. Laborieusement, la police établit de manière certaine la double vie de Laetitia entre le milieu fasciste et les renseignements français. Son activité de détective privée chez George Roufignac est avérée, tout comme sa réputation de vedette des bals musette parisiens. Hélas, c'est précisément le foisonnement de son existence opaque qui n'a cessé de brouiller les pistes, rendant l'enquête impossible. Combien d'ennemis avait-elle ? A-t-elle été tuée par les fascistes ? Les communistes ?  Un podcast Bababam Originals Ecriture : Clément Prevaux Voix : Florian Bayoux Learn more about your ad choices. Visit megaphone.fm/adchoices

[REDIFFUSION] Découvrez dans cette saison l'affaire Laetitia Toureaux, le premier meurtre dans le métro parisien. Espionne anticommuniste pour le compte de grand patron, elle se retrouve rapidement au service de l'État pour infiltrer les cercles d'extrêmes droites. Jouant sur plusieurs tableaux, sa vie est en grand danger. Elle est finalement assassinée en 1937 dans une rame de métro parisien. L'affaire remue totalement l'opinion publique et remet en question les prises de positions politiques à l'époque... Un jeu dangereux  Après le 6 février 1934, plus rien ne peut empêcher la polarisation de la vie politique Française. Les émeutes font quinze morts et près de mille blessés. C'est dans le contexte de cette France déchirée que Laetitia, désormais veuve sans le sou bien qu'ayant pu conserver son appartement, va devoir évoluer. Au même moment, des membres de la virulente Action Française, jugeant leur mouvement trop timoré, décident de créer un mouvement plus radical encore, dédié à des opérations violentes sur le sol français : il ne tarde pas à se faire connaître sous le sinistre nom de « La Cagoule ».  Un podcast Bababam Originals Ecriture : Clément Prevaux Voix : Florian Bayoux Learn more about your ad choices. Visit megaphone.fm/adchoices

[REDIFFUSION] Découvrez dans cette saison l'affaire Laetitia Toureaux, le premier meurtre dans le métro parisien. Espionne anticommuniste pour le compte de grand patron, elle se retrouve rapidement au service de l'État pour infiltrer les cercles d'extrêmes droites. Jouant sur plusieurs tableaux, sa vie est en grand danger. Elle est finalement assassinée en 1937 dans une rame de métro parisien. L'affaire remue totalement l'opinion publique et remet en question les prises de positions politiques à l'époque... Les fantômes du passé  En juin 1937, l'enquête sur le meurtre de Laetitia Toureaux est au point mort : tout Paris s'arrache les cheveux : pourquoi cette femme ordinaire a-t-elle été poignardée ? Par qui ? Le commissaire Badin ordonne à ses hommes de déterrer tout ce qu'il est possible sur le passé de la victime et, petit à petit, la police reconstitue partiellement le parcours de la jeune femme… Un podcast Bababam Originals Ecriture : Clément Prevaux Voix : Florian Bayoux Learn more about your ad choices. Visit megaphone.fm/adchoices

[REDIFFUSION] Découvrez dans cette saison l'affaire Laetitia Toureaux, le premier meurtre dans le métro parisien. Espionne anticommuniste pour le compte de grand patron, elle se retrouve rapidement au service de l'État pour infiltrer les cercles d'extrêmes droites. Jouant sur plusieurs tableaux, sa vie est en grand danger. Elle est finalement assassinée en 1937 dans une rame de métro parisien. L'affaire remue totalement l'opinion publique et remet en question les prises de positions politiques à l'époque... Le premier meurtre du métro parisien  Le 16 mai 1937, Laetitia Toureaux, est retrouvée assassinée dans un wagon du métro parisien, un couteau planté dans la nuque. Ce meurtre brutal, le premier dans le métro, va secouer Paris et mener les enquêteurs dans un véritable labyrinthe d'intrigues et de fausses pistes, entre jalousies personnelles, secrets d'État et énigmes en chambre close. Qui était vraiment Laetitia Toureaux ? Un podcast Bababam Originals Ecriture : Clément Prevaux Production : Bababam  Learn more about your ad choices. Visit megaphone.fm/adchoices

This week Sam Allardyce and Natalie Pike sit down to discuss all things football from reacting to the weekend's results to answering questions submitted in by our viewers.They start the pod by briefly discussing Sam's new documentary 'Big Sam's Bolton' which is out now on SkySports and YouTube, all the fond memories that Sam looks back on and why he's incredibly proud of the documentary.The duo then discuss the recent North London Derby, why it's important that Arsenal continue to spread the goals out, the OUTRAGEOUS decision to rule out Tottenham's equaliser and what it all means for the title race.Sam & Natalie then chat about Liverpool vs Forest, Mo Salah's reaction to being substituted, the rise of talented wonderkid Rio Ngumoha and the race for Champions League is on!Sam & Natalie then discuss if Chelsea have a discipline issue after Wesley Fofana's red card at the weekend, would Chelsea sell Cole Palmer if they miss out on a potential top 5 and why Big Sam thinks they won't get Champions League football.Sam then talks about the advice he'd give Pep Guardiola and why the Manchester City manager is right to give his players a well needed rest in the build up to a busy title race.Then Sam slams Oliver Glasner for disrespecting Crystal Palace and why the Austrian manager needs to be humble himself as he ruins his reputation with the fan base after an amazing 2025.Finally we end the pod with listener questions including Sam's thoughts on Michael O'Neill at Blackburn, What's Sam's FAVOURITE away win and has he ever drank a pint of red wine?

Private equity is knocking on law firm doors but this conversation asks whether the legal industry is truly ready for the discipline control and long-term tradeoffs that outside capital demands.   Drawing on his background as a private equity executive with deep experience in investment banking and law firm operations, Adil Taha offers a clear-eyed look at what actually happens inside UK PE law firms. He questions whether private equity has delivered lasting value in legal or simply accelerated partner payouts and explains why many benefits remain theoretical until exit. Chris and Howard press on where PE can genuinely help and where it creates risk, from pricing discipline and data-driven decision making to cultural friction inside partnerships. Why do so many deals collapse late in the process? What changes when long-term enterprise building collides with short-term partner incentives?   The conversation also looks ahead. Adil explores whether building a PE-backed firm from scratch could outperform acquiring legacy firms and why minority investments may make more sense for larger practices that want capital without surrendering control. The result is a grounded look at power incentives and the future of UK PE law firms and a candid reminder that private equity is never neutral capital.   Episode Breakdown: 00:00 Private Equity and the Law Firm Landscape 06:31 Does Private Equity Actually Create Value in Law Firms? 22:19 The Hidden Risks of PE Ownership in Legal Businesses 30:09 The Future of Law Firms and Private Equity 40:30 Independent Law Firms vs Private Equity Pressure 52:20 What Managing Partners Need to Know Before Taking Capital Connect with Adil Taha: Connect with Adil on LinkedIn Taha & Watmough Website   Connect with Howard Rosenberg: Connect with Howard on LinkedIn Howard's Company Web Profile   Connect with Chris Batz: Connect with Chris on LinkedIn  Follow Columbus Street on LinkedIn Columbus Street Website  Podcast production and show notes provided by HiveCast.fm

Drew & Garden System share powerful healing stories from Jade Miller, a peer support specialist.  Jade Miller is a multiple, writer, and peer support worker who helps others living with dissociative experiences find community, language, and grounding. Through her coaching at Peer Support for Multiples and her upcoming Safe Harbor Peer Respite Center, she's building spaces where complexity and healing can coexist. Her teaching and writing emphasize belonging, integrity, and the quiet power of survivors leading their own recovery.Safe Harbor Peer Respite CenterThank you to our sponsors!Alix Amar with Dissociative Creative ExplorationsHealing My PartsFollow us on Instagram: @acoupleofmultiples, @note_to_selves, @seidi_gardensystem Follow us on TikTok: @seidi_gardensystem, @note_to_selves Follow us on Facebook: A Couple of Multiples - https://www.facebook.com/profile.php?id=61556823127239 Visit our website: acoupleofmultiples.com to sign up for our mailing list, join our private, on-line community Hearts Multiplied, register for peer coaching, consultations, and workshops! And most importantly: remember that every system is different. What works for one may not work for another—and that's okay. Your journey is valid, your healing is real, and we're so glad you're hanging out with A Couple of Multiples. Articles cited in Seasons 4 & 5: Brand, B. L., Sar, V., Stavropoulos, P., Krüger, C., Korzekwa, M., Martínez-Taboas, A., & Middleton, W. (2016). Separating Fact from Fiction: An Empirical Examination of Six Myths About Dissociative Identity Disorder. Harvard review of psychiatry, 24(4), 257–270. https://doi.org/10.1097/HRP.0000000000000100

durée : 00:59:03 - Toute une vie - par : Noujoud Rejbi - Chanteuse et tragédienne de talent, Habiba Msika était aussi une femme engagée aux côtés des indépendantistes arabes. Libre, tant dans son art que dans ses convictions, les performances de la première diva d'Afrique du Nord ont révolutionné les codes artistiques et sociaux de l'époque. - réalisation : Félix Levacher

Œuvre emblématique de Maurice Ravel, idéale pour se familiariser avec les différents instruments de l'orchestre symphonique, le Boléro s'est révélé également, en termes de droits d'auteur, un casse-tête juridique digne d'une saga.