Podcasts about QS

We have Mike Monaghan on the show today and covering the “Birth of an ETF.” He’s going to talk about the Founders ETF and its new launch. We’re also going to talk a little bit about what it takes to get an ETF up and running. From a compliance perspective, remember, there’s no guarantee of future performance. https://youtu.be/o-m3PYHKXqk?si=qBaHkJpUt7xgdpjG Transcript of “The Birth of an ETF” 00:00 The Founders ETF Frazer Rice (00:00.986)Welcome back, Mike. Michael Monaghan (00:02.616)Frazer, it’s great to be back. Frazer Rice (00:04.4)You are at an interesting point in time right now. You’re about to start up Founders ETF and I think you’re about to get trading authorization to get going. Maybe tell us a little bit about the process to set up an ETF. Then we’ll dive into the strategy a little bit. Michael (00:21.25)Yeah, absolutely right. We should start trading on the SIBO Thursday, so two days from now. And we’ve launched our first fund, the Founders 100, that owns the 100 best founder-led companies. I’d be happy to go through some of the process that it takes to set up an ETF. Frazer Rice (00:40.014)Love it. ETFs are the main way to go now in terms of getting an inveestment cvhicle up and running. What has your experience been around? The Popularity of the ETF Structure Michael (00:52.014)Yeah, so ETFs have become the primary investment vehicle for a few reasons. Let’s outline those reasons. Then we can go through some of the steps that it takes to set up an ETF. So on the advantage side of an ETF, they’re typically a bit lower cost than traditional mutual fund products. Importantly, they’re tax advantaged. So there’s no gains or losses that occur during the normal ETF growth phase. Everything that happens within the ETF is done with what’s called an authorized participant. So you do exchanges. And so there’s no capital gains that are assigned to the investors. As long as they hold the ETF, a tax trigger only occurs when they actually sell the ETF. Finally, it’s a great way to get exposure to the market. So whether you want to own a broad market index, one of the legacy indexes, or a vehicle like ours. That gives you in one single trade, rather than having to guess who’s going to win. Is Nvidia going to win or Palantir who’s going to win? You can own a hundred of the best winners in the market in one single stock ticker. In our case, FFF. Frazer Rice (02:07.364)So let’s dive into that theme a little bit. As you said, it’s the top hundred founder led companies. First and foremost, public I assume, private, you’re not diving in those waters. Public vs Private Michael (02:20.59)Correct. So these are the hundred best publicly traded founder led stocks. And we generally fish from the 200 largest founder led publicly traded stocks. So a lot of these are names and founders that are very well recognized. Whether it’s Elon at Tesla or a Mark at Metta, Larry at Oracle, Rich Fairbanks at Capital One. These are all very well known founders. They’re great entrepreneurs who are leading highly scalable, very high performing publicly traded stocks. 02:53 Understanding Founder-Led Companies Frazer Rice (02:53.914)So let’s define founder a little bit. Obviously we have sort of the cult of personality around high-end CEOs. It sounds like you’re identifying companies that have been founded. The people who are running them not only founded them, but they scaled them. They have now gotten them to a level of maturity. That’s different from the typical public company that we find in the S &P 500. Definition of Founder Michael (03:19.104)Yeah. So first let’s define a founder. Then let’s talk about why we think the founder led companies outperform a traditional S&P company. We define the founder as being a chief executive leader. It could be chief executive officer, could be chief technology officer. Sometimes that say a scientific or medical company, would be the chief scientific or chief medical officer. And that person conceived and founded the company, took it from zero to one. It’s their imprint that has guided it over its 10 or 20 or 30 year period. That’s taken it from a small private company to a venture backed company to a large publicly traded company. And so the idea being the person that founded it continues to run it to this day. We talk about the fact that we own an Nvidia that Jensen still runs. But we don’t own Intel. We own Meta because Mark still runs it, but we don’t own Google. We own Dell computer because Michael Dell still runs it. But we don’t own Apple. We own Capital One because Rich Fairbank still runs it, but we don’t own American Express. Investment Process Frazer Rice (04:25.86)Got it. So lots of things to get into here. How does it a company get on your radar screen? And then ultimately, how does it get off of it? Michael (04:35.806)Great question. the getting on the screen is fairly mechanical. We look at the 200 largest by market capitalization founder led stocks. So we look at all U.S. listed. So it could be listed on the New York Stock Exchange or NASDAQ, but it has to be U.S. listed. We then look at the 200 largest. And from there, we select the 100 best using a quantitative factor model. So I’m have a Sanford Bernstein background and so do some of the folks here. And so for folks who are familiar with Bernstein’s research, we use a Bernstein factor model to pick the best, the hundred best names out of the 200 largest. That’s how they get on our radar. And to get off is quite simple if they retire. So if a CEO announces he’s retiring, per the prospectus, we have 90 days to sell the stock. once we, so for example, Mr. Buffett recently stepped down from Berkshire Hathaway. And so we sell Berkshire Hathaway on his announcement and no longer own the stock. Frazer Rice (05:38.0)things like corporate mergers or divestitures or maybe even a reclassification of stock where the founder stays on in some capacity but their decision making has been reduced. How do you analyze that? 05:54 The Investment Strategy Behind the ETF Michael (05:54.326)Yeah, so there is some human overlay judgment calls here and the founder has to be an executive officer leading the company. So they can’t just run a division. They can’t just be chairman of the board. They have to be the executive in charge of running the company. Frazer Rice (06:14.0)And if for, I guess one of the exits possibly would be if, and I don’t know if this is even possible, but if NVIDIA were to take over Meta and there isn’t room for Jensen and Mark in the same suite, how do you analyze something like that? Michael (06:34.253)So in the business combinations where you have two founder-led companies or a non-founder-led company swallowed up by a founder-led company, as long as an original founder remains, it remains in the portfolio. So we’ve had some stocks that had, say, three to four co-founders. And as long as one of those co-founder remains, it remains in the portfolio. Voting Shares Frazer Rice (06:58.352)So one of the things that’s a bee in my bonnet is the concept of having shares where, in a sense, they’re super majority or voting components and then shareholders that have less decision making authority to act as a check and balance around the company. Is that something you’re not really that worried about or is it something that may be a factor that’s important later on? Michael (07:24.525)So we actually think that’s one of the opportunities that this exists. Like one of the things that we haven’t talked about yet is why is all this alpha there? Why is this uncaptured alpha there for us to go get? And we think historically in the past, active money managers have sometimes shied away from these founder led companies because to your point, Frazier, oftentimes the founder has managed to have super voting control, 10 to one shares, 101 shares. So they completely control the company. And some of these larger active money management complexes have said, well, we as the shareholder, we need to be able to have a vote and we’re going to underown these stocks. We have the opposite view. We think these founders are special. So we think that by the time a Mark or a Elon has driven their company into the public markets, they’ve showed that they know how to set the vision, ruthlessly execute and generate value for the shareholders. Concerns? And so we’re not concerned by super voting structures. Oftentimes those are the stocks that we want to own because it’s the founder that’s in control and setting the direction of the business and generating high returns for the shareholders. We view it as you either believe in them and you own the stock or you don’t believe in them and sell the stock. We’re not interested in other people’s getting on the board and monkeying with the decisions of the founders. Frazer Rice (08:30.255)Is this it? What is it about the founders, especially for those that go from zero to one, then to scale, and then to shepherding a mature business? What makes them better and what drives the alpha that you’re trying to seek? In terms of putting together a portfolio of these types of companies? 09:01 The Importance of Founders in Business Michael (09:02.891)Yeah, so the great ones tend to be a bit irreverent. They tend to be highly visionary. They tend to be charismatic communicators and relentless in their execution ability. They’ve got a great ability to pivot if a change needs to be made. And rthe moral authority to set a tone to generate very high rates of return. We see it sort of over and over and over in these founder led companies. And if you look at some of the studies that we’ve done. There’s a study that Bain Capital, Bain had done years ago in combination with Harvard Business Review, founder led companies tend to outperform non-founder led companies in say the S &P 500 by 3X. So it’s this personality type of high vision and high execution tends to drive outsize returns. And it’s a bit of a self-selecting process. What makes Founders Unique? If you think about it by the time any of these founders that we own or talk about have got to the public market. They first had to identify an opportunity to go after. They had to develop a great product by listening to their customers. And they’ve shown that they can scale all the way from a series A round, B, C, D, all the way investing and generating high rates of return in the private markets. Transitions of Founders to Executives They get to the public markets, continue to do that. And now you get a little bit of an effect of a echo of that, of now all of sudden you’re in the public markets. If you get enough scale, you have this highly effective business. Now you’re getting relatively cheap capital that you’re feeding into your business through the public markets. And now you continue to grow. Frazer Rice (10:42.096)Just to summarize at least what I’m hearing is that they’ve gotten to the point of becoming public. They’ve been able to say no to losing control in exchange for either putting some liquidity back in their pocket or otherwise moving on. And so they’ve almost ratified their vision and message and they keep going. And by the fact that they’re public, there’s enough liquidity for everyone else out there in terms of their investments. So it ends up being a win-win. Michael (11:11.157)I think so. That’s what we see. Frazer Rice (11:13.316)So one thing that I’ve been sort of reading about and thinking about is the concept that the number of public companies is becoming less, well, it’s decreasing, and that many people are able to stay private for longer. Do you worry that your universe is going to get too small to provide sort of a canvas for your ideas here? 12:02 Market Trends and Future Outlook Michael (11:37.549)Let’s talk about three phases of that. We don’t, we actually see the data showing that there’s more and more opportunities within founder led. So let’s look at history and then let’s move to the future. So historically, probably about the time you and I joined the securities business, they would actually take the, to your point, they would take the founder, they would kick out this charismatic founder. They would put in some mid-level proctor or GE middle level manager to be the you know, the suit in the room to take the company public. And that was sort of in the late nineties and people figured out that wasn’t such a good idea. So if you actually look at the chart, there’s more and more founders staying and leading their public, their, their publicly traded companies. That’s number one. Number two. Yes. We have seen some companies stay private, obviously Stripe, SpaceX, but we are now seeing, for example, SpaceX coming to the public markets. Eli is talking about coming next year. so we, we haven’t seen it so far impact the pool with which we can fish in. And as I mentioned, that’s what we saw historically. Public Markets and the Future In the future, think, Frazer, I think we’re going to start to see a conversion of public and private markets, meaning these private mega cap companies have liquidity. And I think that you’ll see more and more ability to trade those stocks almost in public liquidity. So I think these two markets are converging. So I think that Not only do we have plenty of founders in the traditional public markets, I think that the liquidity and the big privates is going to converge to a public market style shortly anyway. Frazer Rice (13:13.232)You’re in a curious time as far as launching an ETF around this concept. I know a lot of people are wary of Mag-7 and ultra valuations and issues related to that. How do you respond to that concept that a lot of the growth has taken place in seven, maybe seven out of the hundred that you’ve chosen? Debunking the Mag-7 (to the Mag-3) Michael (13:33.356)Yeah, so that’s a misconception. We see Mike Saylor get on TV and wave his arms around it, but it’s not really true. First of all, what’s interesting, if you tear apart the Mag-7, it’s actually the Mag-3. The outperformance in the Mag-7 has come from Meta, Tesla, and NVIDIA. So it’s not just the Mag-7, it’s a founder led. And now you say, well, that’s a small sample set. Let’s look at a bigger sample set. So if you look at the NASDAQ 100, for example, It’s actually the 20 founder led companies have driven most of the outperformance over the last 25 years. And what I’m about to tell you about the S &P 500 probably won’t surprise you. It’s the 37 founder led companies that have driven most of the outperforming the S &P 500. So the outperformance is coming from founders, not from any specific part of the market. And one of the things that we think is great about this ETF is to avoid concentration. 14:50 Risk Management I know you’re really familiar with the concept of active share and that’s how different you are than the S &P 500. We have an 85 % active share to the S &P 500. So if you own the founders 100 ETF, you have much different exposure to the market than say the S &P 500. And so we think it helps reduce some of that concentration. We’ve done some things to make sure that we are diversified. First of all, we do own 100 stocks. Diversification So really good diversification across that. And then number two, while we run a market weight portfolio, we cap. No stock can be bigger than 7 % of the portfolio, so we don’t get out of balance at any point. So we think that we mitigate some of those concentration risks and we allow people to invest in innovation without being over concentrated to any one name, say the MAG-7, for example. So we think that we’re giving our investors really good exposure to innovation through the founders, but not exposing them to pre-existing market concentrations. And then finally remind everyone It’s not the MAG-7, it’s not the NASDAQ-100, it’s not the S &P-500, it’s the founders within each of these are what are driving the outsized performance in those analytical groups. Frazer Rice (15:36.218)So from a diversification standpoint, obviously not everything in one name, the 7 % cap you described, do you have sector concentration guidelines as well? Michael (15:45.749)We don’t have sector concentration guidelines, but if you look at the nature of the portfolio, we were fairly well diversified. We’re slightly overweight tech and financials versus say the S &P, but we own healthcare stocks, own consumer stocks, we own energy stocks. So we’re giving you a broad exposure to the market. Leverage Frazer Rice (16:05.924)Let’s talk about leverage for a second. I know a lot of people are trying to juice returns by piggybacking off of other people’s money on that front. Does that have a place in your ETF? Michael (16:17.004)So there’s no leverage in the ETF. We sort of believe in get rich the slow way. I like to tell people that it’s very hard to make money in the stock market over the short term, but it’s not particularly difficult over the very long term. think Mr. Munger and Mr. Buffett used to talk about this. the idea being, leverage can impact you in times that are not favorable. So we believe in just owning the stocks unlevered, let them compound over very long periods of time. And we think that by doing that, we and our shareholder, we think our shareholders can generate wealth over very long periods of time. Taxes Frazer Rice (16:54.98)So tax efficiency, the concept of holding period, does that play into your process at all? Michael (17:04.316)So remember within the ETF, as long as you’re managing your trading properly within the ETF, there’s no tax implications inside of it for your shareholders. Your shareholders only would be impacted at selling. So assuming they hold the stocks for over a year, any gains would be long-term capital gains treatment. Frazer Rice (17:27.024)And when you’re describing the investor profile that you’re looking to attract here, who is this for? Michael (17:35.916)Yeah, so the person that, you we really think it’s appropriate for you if you have a five year or more holding period and you want to have long-term capital appreciation. You know, if your goal is to be exposed to the best minds and public securities, that’s the founder led companies, and you want to compound your wealth over a very long period of time and have a high probability of outperforming the traditional broad market indexes, this ETF is designed for you. 17:59 Investor Profile and ETF Positioning Frazer Rice (18:04.705)And as you’re sort of outlining that profile and for those people who are trying to figure out where this fits in from an equity allocation perspective, you’re in charge in many ways of the spoke of a hub and spoke component of people are really sort of looking at indexes as the base of their equity portfolio. What are you looking for? What kind of benchmarks do you sort of measure yourself against? Michael (18:35.007)Yeah, so we think this is absolutely a core holding. So if you’re looking to build out you or your client’s portfolio, we think this should sit at the core. It is on the growth side, so it’s core growth. We think that it is a one-for-one replacement for, the NASDAQ 100. Or, for example, somebody holding the triple Qs. We think this is a better holding than the triple Qs. So we benchmark ourselves against them and against the S &P 500. Ee look at beating those two broad market indexes, generating better risk return for our investors. Frazer Rice (19:13.019)For those listeners that are out there and want to find out more, what’s the best way that they can either get a hold of you or maybe even better, do you have a ticker symbol ready that people can discover? FFF and Contact Information Michael (19:25.215)Yeah, absolutely. So the ticker is FFF. So that’s the FFF ETF that we’ll trade on. And investors can find that at their favorite brokerage firm, whether they’re Schwab customers, Interactive Brokers customers, Fidelity customers, trades under one ticker, just like a stock. Frazer Rice (19:44.365)And let’s take, we have a few minutes to go here, which is great. Your experience in terms of establishing the ETF, maybe a couple of some of the touch points when you went from vision to execution here, what was the process? Michael (20:00.106)Yeah, so ETF has a few basic processes that are regulated under the 1940 Securities Act. And so a lot of those rules are set up to protect the end investors. So for example, the securities live within a trust. So we set up our own trust. Some people use a mingled trust. We thought it was better for our end investors to have our own trust that we set up that has an independent trust board that oversees to make sure that we’re executing our strategies as we’ve outlined in the prospectus to make sure that we’re Doing the best we can for our investors. You’ve got to set that up There’s a few firms that do the plumbing for the for the ETFs would say US Bank is probably the largest player. So US Bank provides our our fund custody and fund administration and then there’s just a few other vendors in the space that sort of help with all the plumbing to make sure that the ETF runs smoothly. So it’s probably a six month process if you stay really focused to get all of that set up. 20:58 Navigating the ETF Launch Process Frazer Rice (21:03.313)You get that set up, how do you approach the Schwabs and the Fidelitys and the other platforms to make sure that people can access, buy, sell, whatever they want to do with your ETF? Michael (21:14.347)Yeah, that’s a great question. So the online brokerages typically put you on the platform as soon as you’re listed on a major US exchange. So you’ve got to get listed on NASDAQ, NYSE or CIBO. We chose CIBO. So again, on the traditional online brokers, you’re there day one. And then the big wire houses, JP Morgan, Goldman, Morgan Stanley, BAML, they typically have a few hurdles that you’ve got to get through, whether it’s daily trading liquidity assets under management. And over time, as you run the wickets through their process, you’re added to those platforms. Macro Issues? Frazer Rice (21:48.721)We live in a political age and a time when there’s just chaos everywhere, different types of rules in order to allocate capital. If you’re an investor trying to guess what’s happening politically, et cetera, that are difficult, you must be positive as far as the environment for founders to find success in this country and beyond. Is there anything that you’re looking for to make sure that those conditions hold? Michael (22:18.225)Yeah, we don’t really look at the macro or political backgrounds. think over very long periods of time, U.S. innovation outperforms. so we sort of we think that, again, one of the great things with investing in founders is they keep adapting as the background changes behind them. So we think over very long periods of time, the U.S. has great economic growth. And for those people that have worried about little blips along the way, we think the founders are the absolute best at mitigating those blips. Frazer Rice (22:48.334)I like to say you bet against America at your own peril and it sounds like from a founder perspective it’s still a great place for them to locate their businesses and grow them here. Michael (23:01.042)Absolutely. 23:50 Final Thoughts and Contact Information Frazer Rice (23:02.971)Just to reiterate, FFF is the ticker symbol for people to find it. any other contact points for people to find you if they’re interested in what you’re putting together. Michael (23:15.613)Yeah, so we have a great website at FounderETFs.com. can go check out there or anyone’s happy to email me, just michael at FounderETFs.com. Happy to chat with anyone who has interest about the portfolio, the strategy, or what we’re building. Frazer Rice (23:32.197)Well, great to have you back on, Mike. Thank you for putting up with my attempt at looking like Steve Jobs. It’s 25 degrees in New York here, and I am the stupid one who’s not in California or somewhere warm. appreciate you taking the time to be on and talking about your new product. Michael (23:48.011)Yeah, it was great to be on here. Really a huge fan of your podcast and just the level of guests that you’re able to interview and help educate your viewers. Frazer Rice (23:56.849)Mike, thanks for being on. Michael (23:59.061)Thanks a lot, Frazer. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Previously with Mike Monaghan ETF EDUCATION ARTICLES ON ETF.COM

Free newsleter + gift - https://www.clarkkegley.com/free-ques... Free shadow work Qs - https://www.clarkkegley.com/shadow-work My Best Journal Program - https://www.mybestjournal.com Dry January starts in a few weeks. It's the time of year when millions of people quit alcohol for 30 days. Most go right back February 1st. Four years ago, that was my plan too. But when I quit drinking, I liked the benefits so much that my 30-day challenge turned into 60, then 90, and now here we are: 1400 days later. Maybe you've noticed the drinking creeping up. Used to be weekends. Now it's most nights. You're wondering if that's concerning. Maybe you're getting older and starting to take your health more seriously. Maybe you're not a big drinker, but you want a challenge. I know a lot of you are into self-improvement. This is a habit that actually delivers. So in this video, I want to walk you through what happens when you quit. Day by day. Day 0 to 365. What the science says, what I actually felt, and most importantly, the stuff I wish someone told me before I started. Heads up: If you're a heavy drinker, check with a doctor first. Alcohol withdrawal is one of the few that can actually be dangerous. I'm just a guy who quit and wants to share what helped. Not a doctor. Andrew Huberman Podcast:    • What Alcohol Does to Your Body, Brain & He...    The Best of Series | 10-years In The Making:    • THE BEST OF - Clark Kegley | Top Videos on...   MY FAVORITE TOOLS

In our final episode of 2025, we wrap up the year with a Christmas Question Time special — and as ever, Paul is joined by C-Link co-founder and former QS, Chris Barber, for an honest and entertaining look at the issues commercial teams are grappling with right now.This episode is built entirely from listener questions, including:• Have you ever received (or issued) a notice on Christmas Eve? Paul shares the story of the year he unwrapped a “festive” million-pound claim instead of a bottle of wine — and why timing sends a louder message than the paperwork.• How do commercial leaders shift the industry away from turnover obsession and back to sustainable profit? From cash flow support to real partnerships with key trades, Paul and Chris explore practical, relationship-driven steps commercial directors can take in 2026.• What should a QS team do when a client refuses to certify variations? The pair discuss preventing the issue before it starts, how to regroup internally, how to push back professionally, and how to reset expectations without burning bridges.• Are clients and consultants unintentionally driving inflation? An honest look at over-specification, half-baked design, risk loading in D&B contracts, and why two-stage tendering might be the only sensible route forward.Along the way, Paul and Chris reflect on their standout episodes of the year, the rise of two-stage procurement, the growing focus on goodwill, and why 2026 needs stronger industry-wide pushback on unrealistic commercial behaviours.It's insightful, candid, and the perfect way to close out the year before Own the Build returns on 12th January with Episode 249 — our first ever Own the Build Live recording.---------------------------------

 John Pasalis presents his latest data and top stories on Toronto area real estate in conversation with fellow Realosophy agents Gus Papaioannou and Davin McMahon and our Move Smartly mortgage expert, David Larock - and you, our viewers, who join the discussion in our live chat!! This week on our live show, John and the team break down what could be coming in 2026 - including the possibility of interest rates rising again. So the big question is: Will higher rates finally push those buyers who've been sitting on the sidelines to make a move? We're already seeing early signs that some are starting to jump back in before affordability shifts again.  Dave Larock, our mortgage expert, provides a breakdown of November's big job gain and why that headline might be more hype than reality. Dave believes rates will hold steady in the short term, but he's predicting rate cuts coming in 2026. Set-up a meeting with John Pasalis and his agents at Realosophy to discuss your own real estate questions privately: https://www.movesmartly.com/meetjohn Sign up for our email list to be alerted to the next online market update to join our YouTube session live chat and ask your own Qs: https://www.movesmartly.com/monthly-public-webinar Today's show links:  John's latest articles on the Toronto area real estate market are on realosophy.com  https://www.movesmartly.com/articles/author/john-pasalis Dave Larock's latest weekly blog post on mortgage rates on MoveSmartly.com: https://www.movesmartly.com/articles/author/david-larock Contact Us: John Pasalis, President and Broker, Realosophy Realty, Toronto | Email: askjohn@movesmartly.com | X-Twitter: @JohnPasalis David Larock, Mortgage Broker and Analyst and Realtor | Email: dave@morplan.ca | X-Twitter: @Dave_at_IMP About This Show: The Move Smartly show is hosted by John Pasalis, President and Broker of Realosophy Realty. MoveSmartly.com and its media channels on YouTube and various podcast platforms are powered by Realosophy Realty in Toronto, Canada. You can also watch this and every episode on our MoveSmartly YouTube channel here: https://www.youtube.com/movesmartly If you enjoy our show and find it useful, please subscribe and leave us a positive rating on whatever platform you are watching or listening to us from — thank you!!

Hausse des loyers: Montréal figure en tête de liste | Pablo Rodriguez pourra-t-il tenir le coup? | C’est le début du 24h Tremblant! | Un député conservateur change de camp: Pierre Poilievre lui lance une petite flèche… | Une performance incroyable de Fowler avec le CH de Montréal Dans cet épisode intégral du 10 décembre, en entrevue : Francis Cortellino, économiste du marché immobilier à la Société canadienne d’hypothèques et de logement (SCHL). Simon St-Arnaud, producteur exécutif du 24h Tremblant. Pierre Poilievre, chef du Parti Conservateur du Canada. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Une femme demande une aide à mourir mais doit débourser une grosse somme d’argent | Peter Pan pour la première fois au Québec | Un homme commandite des incendie depuis sa cellule | Les 20 ans de la légalité des clubs échangistes | Bilan de l’année 2025 avec les auditeurs Dans cet épisode intégral du 10 décembre, en entrevue : Luc Guérin, metteur en scène Andrée Allard et Matéo Lapointe, co-propriétaires du Club L Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Every week on Instagram we host “Ask Us Anything” question boxes… and every week we're hit with hundreds of incredible questions we can't possibly get to in Stories. So today we're pulling back the curtain and taking some of those unanswered Qs and going deep — giving you the nuance, context, tips, reassurance, and real-talk sex ed you wish you got in health class. This episode is a true mixed bag: libido, orgasm, aging, menstrual phases, mismatched styles, swelling, simultaneous orgasms… the works. If you've ever wondered, “Is this normal?” the answer is probably in here.

Free newsleter + gift - https://www.clarkkegley.com/free-ques... Free shadow work Qs - https://www.clarkkegley.com/shadow-work My Best Journal Program - https://www.mybestjournal.com Quick Note: We got a deep one today, guys. I'm fully aware some people will see this and think "total first-world problems." But I'm making this video because burnout and losing your sense of purpose doesn't care how successful you look on paper. If you've ever felt lost even while things looked good from the outside, I know you can relate to this story. This is a story about two years that tanked my mental health, and how I finally got it back. I hope this helps you see your new future differently. THANK YOU Refusing to Settle, Clark

Sondages: le 99,5 est LA station que vous écoutez le plus longtemps | Entente entre la FMOQ et le gouvernement | Pablo Rodriguez doit-il quitter? Certains commencent à le penser… | Le ministre de la Culture veut imposer du contenu québécois sur nos télévisions intelligentes | Un Québécois en finale de Ink Master Dans cet épisode intégral du 10 décembre, en entrevue : Sarah-Maude Lefebvre, journaliste pour le Journal de Montréal. Ian Lafrenière, ministre de la Sécurité publique. Alexandre Tremblay-Michaud, militant libéral et ex-président de l’association libérale d’Outremont. Mathieu Lacombe, ministre de la Culture et des Communications. Benoît Simard, directeur général et directeur de la programmation du 99,5 Montréal. Luka Lajoie, tatoueur finaliste à l’émission Ink Master. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Sondages: merci de nous choisir et de nous écouter! | YUL : quel aéroport DÉTESTABLE qui roule MAL ! | Crise du Parti libéral du Québec : Pablo Rodriguez doit-il quitter? | La réhabilitation des criminels fonctionne-t-elle vraiment? | Le Parti québécois veut interdire les réseaux sociaux aux moins de 14 ans | Dans cet épisode intégral du 10 décembre, en entrevue : Maria Mourani, criminologue, experte en matière de réhabilitation dans le milieu carcéral. Quentin Warnant, producteur de l'expérience immersive. Robert Benoit, ancien président du Parti libéral du Québec de 1985 à 1989. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Dans cet épisode intégral du 10 décembre, en entrevue : Maxime Demers, journaliste culturel au Journal de Montréal, Journal de Québec. Éric Boissonneault, Vice-président de l’Association des agents de voyages du Québec. Gustave Roel, président du Réseau du sport étudiant du Québec. Louis Garneau, homme d’affaires. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Est-ce que François Legault est dû pour une petite marche dans la neige? Violence conjugale, féminicides: le gouvernement fédéral dépose un projet de loi | Extorsion chez les restaurateurs : les assureurs de plus en plus frileux | Aide médicale à mourir : pourquoi le Québec est-il champion? Ne devrions-nous pas nous poser de sérieuses questions? | Une offre originale de Tourisme Mauricie! | Soeur Angèle remercie le Québec Dans cet épisode intégral du 10 décembre, en entrevue : Me Karine Barrette, avocate et chargée de projet au Regroupement des maisons pour femmes victimes de violence conjugale. Martin Vézina, vice-président aux affaires publiques et gouvernementales à l’Association Restauration Québec (ARQ). Jasmin Lemieux-Lefebvre, coordonnateur du Réseau citoyen Vivre dans la Dignité. Amélie-Christine Richard, directrice marketing de Tourisme Mauricie. Soeur Angèle. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

VLOG 1 Dec 9 Luigi Mangione Day 5 suppression hearing, after our Dec 3 unsealing letter https://matthewrussellleeicp.substack.com/p/extra-in-luigi-mangione-hearing-day-a19 Do Kwon sentencing Dec 11, Qs https://www.patreon.com/posts/crypto-in-courts-145369372 @FinanceWatchOrg to Fed on Fulton, Associated. Scoop on UN corruption https://innercitypress.com/ungate22volkerturkicp120925.html

«Il n’y aura pas de référendum» : Bernard Drainville est-il en train de préparer l’après François Legault? | Le gouvernement fédéral refuse-t-il de serrer la vis aux chauffeurs inc? | Un seul Québécois au camp d’Équipe Canada junior | Vente de véhicules: les consommateurs risquent d’être contents en 2026 Dans cet épisode intégral du 9 décembre, en entrevue : Luc Morin, vice-président des ventes pour AutoHebdo. Mario Cecchini, président de la Ligue de Hockey Junior Maritimes Québec. Xavier Barsalou-Duval, député de Pierre-Boucher—Les Patriotes—Verchères pour le Bloc Québécois. Éric Latour, maire de Saint-Jean-sur-Richelieu. Manuelle Légaré, auteure, recherchiste et réalisatrice. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

-Exception religieuse: les libéraux changent encore d’idée -QS: un influent organisateur passe au PQ La rencontre Robitaille-Boilard avec Antoine Robitaille et Benoit Dutrizac. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Pourquoi est-ce que toutes les activités le fun sont rendues trop chères? | Sachets de nicotine: bien important de faire la différence entre ce qui est légal et ce qui ne l’est pas | Est-ce la fin de la rivalité Xbox Playstation? | Le centre pour l’intelligence émotionnelle en ligne sonne l’alarme | Est-ce bientôt la fin de la CAQ? | Remplacement de Marc Boilard Dans cet épisode intégral du 9 décembre, en entrevue : Éric Gagnon, vice-président des affaires corporatives et réglementaires chez Imperial Tobacco Canada. Christopher Chancey, PDG de Manavoid. Emmanuelle Parent, Cofondatrice et directrice générale, Centre pour l’intelligence émotionnelle (CIEL). Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Tracy missed her first holiday as owner of the Quartermaine mansion but still sent pizzas, while Leo returned—now a vegetarian!—and the Qs donated their Thanksgiving feast to the hospital. And in true Quartermaine fashion, pizza reigned once again… though it felt like a missed opportunity for Monica to introduce the family to a new place. We propose they call it Stuart's. Meanwhile, Laura, Liz, and Ace volunteered at the soup kitchen, and Kevin returned just as Laura filled him in on everything involving Dalton and Sonny. Laura's dreams turned ominous with visits from Cyrus and Esme, and Sidwell dropped unsettling photos of Laura finding Dalton in her trunk—plus a shot of her with Sonny.Across town at The Brown Dog, Britt got drunk and kissed Cody, with Molly catching the moment and Jason later calling Britt out for drawing attention to herself. Ava pushed Nina and Portia to make peace, while Willow and Drew moved forward with their wedding. Before the ceremony, Willow told Nina she didn't need to love Drew—just stay with him long enough to get her kids back. Trina faced a wave of emotional shocks: learning Portia is pregnant, witnessing Jordan and Curtis kiss, and seeing Curtis arrested for Drew's shooting. Curtis fought through flashbacks of asking Ms. Wu to have Drew killed. And in the background, Jacinda and Michael continued moving their relationship toward something more official.Listen at GeneralHospitalPodcast.comThis podcast is not endorsed by, directly affiliated with, maintained, authorized, or sponsored by ABC Television Network, Prospect Studios, or any official General Hospital organizations. All product and company names are trademarks of their respective owners. Any use of trade names or trademarks is for identification and reference only and does not imply any association with the trademark holder. The views and opinions expressed on this podcast are solely those of the hosts and guests, and do not necessarily reflect those of any trademark or brand mentioned.Hosted on Ausha. See ausha.co/privacy-policy for more information.

Dur dur de s’offrir de la viande rouge sans se ruiner… | Une voiture volante… pour vrai! Le bâtonnier Marc-Aurèle Nadeau multiplie les critiques virulentes contre le gouvernement Legault | La chroniqueuse Sabrina Cournoyer a été touchée soudainement par une perte auditive à l’oreille gauche causée par un virus à l’oreille interne | Un chauffard intoxiqué lui vole sa fille : il utilise son deuil pour sensibiliser | Remplacement de Marc Boilard Dans cet épisode intégral du 8 décembre, en entrevue : Marc Bellemare, avocat et ex-ministre de la Justice du Québec et membre du Barreau du Québec depuis 1979. Sabrina Cournoyer, chroniqueuse culturelle à Salut Bonjour et animatrice télé/radio. Antoine Bittar, père de Jessica, décédée dans un accident de la route impliquant un chauffard intoxiqué il y a 7 ans. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Vers une grève chez Air Transat: Pierre-Karl Péladeau inquiet pour la pérennité de l’entreprise | La santé de l’humain passe-t-elle par celle des animaux? | Une autre tuile s’abat sur le Parti libéral du Québec | Le casse-tête des successions | Travailler est de plus en plus cher | Samuel Boisvert a réussi à cacher sa victoire de Masterchef à son entourage pendant des mois! Dans cet épisode intégral du 8 décembre, en entrevue : Étienne-Alexandre Beauregard, auteur et chercheur à l’Institut Cardus. Dr Gaston Rioux, président de l’Ordre des médecins vétérinaires du Québec. Line Desrosiers, notaire honoraire. Mehran Ebrahimi, directeur de l’Observatoire international d’aéronautique et de l’aviation civile et professeur à l’UQAM. Mario Côté, conseiller et formateur en relations humaines agréé, président de Gestion Conseil Mario Côté. Samuel Boisvert, grand gagnant de la 3e saison de Masterchef Québec. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

In this episode of Own the Build, Paul is joined by Trevor Wilkins, Managing Director of PAH Building & Construction — a contractor working deep inside one of the UK's most complex and least-understood built environments: the defence estate.Trevor shares the unique story of PAH's evolution from a one-client refurb contractor to a £15m business operating across the UK, including the landmark MOD housing portfolio recently brought back into government ownership. He opens up about the early days, the risks he took, and the leadership principles that have helped him build a loyal, long-serving team.In the second half, Paul and Trevor dive into the reality of retrofit — far removed from the glossy headlines of a “retrofit revolution”. Trevor gives a frank assessment of funding gaps, skills shortages, inconsistent standards, and the operational challenges that make large-scale retrofit so difficult today. He also offers practical guidance for contractors considering a pivot into the field.Finally, Trevor discusses PAH's commitment to developing the next generation of tradespeople, including hands-on partnerships with local colleges, mentoring new apprentices, and bringing students onto live sites.This is a grounded, real-world conversation about leadership, resilience, retrofit, and what it actually takes to run a values-driven construction business in 2025.---------------------------------

Y a-t-il quelqu’un à l’interne qui essaie d’avoir la tête du chef du Parti libéral du Québec? | Le propriétaire du Saint-Bock craint de ne pas pouvoir passer l’hiver | France-Élaine Duranceau a dévoilé son traitement-choc pour la fonction publique québécoise | Les arnaqueurs ne cessent de se renouveler pour vous voler… | Les criminels commencent à s’en prendre aux itinérants Dans cet épisode intégral du 5 décembre, en entrevue : Martin Guimond, propriétaire du Saint-Bock. France-Élaine Duranceau, ministre responsable de l’Administration gouvernementale et de l’Efficacité de l’État. Alain Creton, propriétaire de Chez Alexandre. Éric Thibault, journaliste au Bureau d’Enquête. Nathalie Leclerc, fille de Félix Leclerc. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Ethical Hacking vor Gericht – wenn Sicherheit zur Strafbarkeit wird Was passiert, wenn ein Programmierer eine massive Sicherheitslücke entdeckt und am Ende selbst als Beschuldigter dasteht? Der Fall Modern Solution zeigt, wie schmal der Grat zwischen verantwortungsbewusster Sicherheitsforschung und strafrechtlicher Verfolgung in Deutschland geworden ist. Und warum die Auslegung des § 202a StGB derzeit für erhebliches Unbehagen in der IT-Security-Szene sorgt. In dieser Folge des Criminal Compliance Podcast spricht Dr. Mathias Grzesiek über das aktuelle Rechtsprechungsupdate zum Thema Ethical Hacking – ein Fall, der den Umgang mit Sicherheitsforschung in Deutschland nachhaltig verändern könnte. Worum geht es? Ein freiberuflicher Programmierer stieß 2021 auf eine eklatante Schwachstelle bei Modern Solution: ein hardcodiertes Plaintext-Passwort in einer zentralen Programmdatei. Darüber ließ sich der Zugriff auf eine Datenbank mit rund 700.000 sensiblen Kundendaten herstellen. Das Unternehmen reagierte jedoch trotz Hinweis nicht und erstattete später selbst Strafanzeige wegen Ausspähens von Daten. Nachdem sich mehrere Gerichte mit dem Fall beschäftigt hatten, wurde der Programmierer letztlich wegen Ausspähens von Daten (§ 202a StGB) verurteilt, obwohl das Unternehmen gravierende Sicherheitsmängel aufwies und das Passwort einfach im Code stand. Denn eine bloße Passwortabfrage stelle bereits eine „besondere Sicherung“ dar, selbst wenn sie technisch unzureichend sei. Diese Folge liefert den Überblick und die rechtliche Einordnung eines Falles, der weit über das Unternehmen Modern Solution hinausweist. Hier geht´s zum Urteil des AG Jülich: https://nrwe.justiz.nrw.de/lgs/aachen/ag_juelich/j2024/17_Cs_230_Js_99_21_55_23_Urteil_20240117.html Hier geht´s zum Urteil des LG Aachen: https://nrwe.justiz.nrw.de/lgs/aachen/lg_aachen/j2023/60_Qs_16_23_Urteil_20230727.html Hier geht's zur Folge „EncroChat – Dürfen im Ausland gehackte Chats als Beweismittel dienen?“ https://criminal-compliance.podigee.io/73-rosinusonair https://www.rosinus-on-air.com https://rosinus-partner.com

Des petits baveux qui terrorisent leurs quartiers en toute impunité… Ça va faire! | Montée de l’extorsion chez nos restaurateurs | Même le blanc de la dinde peut être juteux, selon Soeur Angèle | Froid glacial : la difficulté des personnes qui vivent en situation d’itinérance Dans cet épisode intégral du 5 décembre, en entrevue : Jennifer Maccarone, députée libérale de Westmount–Saint-Louis, porte-parole en matière de sécurité publique. Soeur Angèle. Frédéric Galantai, maire de La Prairie. Une production QUB Décembre 2025Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Free newsleter + gift - https://www.clarkkegley.com/free-ques... Free shadow work Qs - https://www.clarkkegley.com/shadow-work My Best Journal Program - https://www.mybestjournal.com Over the last 10 years, I've read over 400 books that all claim to change your life. Truth is, 50% you could probably skip because they're marketing tools for the author and will eat 8 hours of your life. 48% had some decent ideas. But then there was the 2%. These 2% books had such a deep impact that never left even after the first read. Those 2% books are sitting right here. And I want to walk you through the 10 books I would definitely recommend you read that'll change your life. I'm going to go over the big idea from each, what phase of your life I would recommend you read it in, who it's for, and how they changed my perspective on achievements, staying present, and how they prevented some expensive mistakes. Beautiful day here in Arizona. Let's go get some fresh air and kick it off with book number one. Timestamps: 00:00 10 Books from 400 00:46 1 03:59 2 06:28 3 08:23 4 11:02 5 12:42 6 14:53 7 16:20 8 18:18 9 20:20 10 23:21 Do this next Book Breakdowns: Dopamine Nation:    • The Hidden Dopamine Debt DESTROYING Your M...   Same As Ever:    • The Book That Changed My Thinking Forever   The Best of Series | 10-years In The Making:    • THE BEST OF - Clark Kegley | Top Videos on...    SOCIAL   / clarkkegley      / clarkkegley      / theclarkkegley    P.S. Some of the links in this description are affiliate links, meaning I get a commission if you purchase through them. It's a great way to support the channel at no extra cost to you

Chris's SummaryJim and I review the QLAC 1098-Q and walk through how this form reports premiums, fair market value, and contract status. We compare it to Form 5498, outline how the fair market value and excess annuity payments can be used under Secure Act 2 Section 205 with other IRAs, explore the age-85 and surviving-spouse reporting rules, and touch on listener PSAs about using QLACs as part of a broader self-funded long-term care approach. Jim's “Pithy” SummaryChris and I use the QLAC 1098-Q as a way to show how the IRS keeps tabs on your QLAC and why that little form matters more than people think. I talk about it as the “kissing cousin” of Form 5498, walk through how box 3 tracks cumulative premiums against the current $210,000 lifetime limit, and explain how the fair market value and projected income give the IRS what it needs while also giving you the data to run the Section 205 strategy after Secure Act 2. Then I get into the strange rule that says the company only has to send 1098-Qs until age 85 or death for the original owner, contrast that with the different rule for a surviving spouse, and spell out why it could be a real problem if the insurer stops providing a usable fair market value once income has been turned on. We kick around how that interacts with the prohibition on DIY fair market value calculations, the inability to get a QLAC quote after age 85, and why advisors and clients are going to care which companies keep sending this information even when they technically don't have to. On top of that, I read listener emails about using QLACs alongside self-funding long-term care and push back on the idea that you only insure things you are “sure” you'll need. The post The QLAC 1098-Q: EDU #2549 appeared first on The Retirement and IRA Show.

The hallowed halls of Disniversity aren't quite ready to re-open for the Comeback Era – so for now, film journalist Ben Travis and animation academic Dr. Sam Summers are taking a first trip into the post room to answer your listener questions. You sent in tons of Qs – on Disney, animation, academia and beyond – so here are the long-awaited As. Will Disney ever go 2D again? Who should appear in an Avengers-style line-up of Disney characters? And what is Sam's job, really? All that, plus Ben yearns for a new Flubber, there's repeated use of the word ‘chicanery', and prepare for the ultimate showdown: Mr. Bug Goes To Town vs. Uncle Stiltskin. Next episode: Another special episode. Coming soon: The Princess And The Frog! Disniversity is brought to you by Ben Travis (@benstravis) and Sam Summers (@samsummers0), with art by Olly Gibbs and music by Nafets. Follow us on Twitter and Instagram at @disniversity. This podcast is not affiliated with Disney. — Welcome to Disniversity, the podcast crash course through the history of Disney's animated classics, with film journalist Ben Travis and animation academic Dr. Sam Summers. Each week, we'll be moving forward in time through the legendary Walt Disney Animation Studios catalogue, watching every feature film in chronological order – from Snow White to Zootropolis 2. Watch along with us, and listen as we explore each film's historical context, advances in animation and lasting legacy, and talk about how they stand up today.

Qs on the hit personality and show! LOVE TRIVIA WITH BUDDS? CHECK OUT THE MNEMONIC MEMORY PODCAST!  "Knowledge is rooted in memory—listen to The Mnemonic Memory Podcast today." http://www.themnemonictreepodcast.com/ Fact of the Day: Vince Gilligan, the creator of Breaking Bad, Better Call Saul and Pluribus was a writer on the sci-fi show The X-Files, a job he got because he was a fan of the show and sent in a script he wrote for an episode. Triple Connections: Dram, Pound, Stone THE FIRST TRIVIA QUESTION STARTS AT 01:54 SUPPORT THE SHOW MONTHLY, LISTEN AD-FREE FOR JUST $1 A MONTH: www.Patreon.com/TriviaWithBudds INSTANT DOWNLOAD DIGITAL TRIVIA GAMES ON ETSY, GRAB ONE NOW!  GET A CUSTOM EPISODE FOR YOUR LOVED ONES:  Email ryanbudds@gmail.com Theme song by www.soundcloud.com/Frawsty Bed Music:  "EDM Detection Mode" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/ http://TriviaWithBudds.com http://Facebook.com/TriviaWithBudds http://Instagram.com/ryanbudds Book a party, corporate event, or fundraiser anytime by emailing ryanbudds@gmail.com or use the contact form here: https://www.triviawithbudds.com/contact SPECIAL THANKS TO ALL MY AMAZING PATREON SUBSCRIBERS INCLUDING:   Mollie Dominic Vernon Heagy Brian Clough Sarah Nassar Nathalie Avelar Becky and Joe Heiman Natasha raina Waqas Ali leslie gerhardt Skilletbrew Bringeka Brooks Martin Yves Bouyssounouse Sam Diane White Youngblood Sarah Lemons Trophy Husband Trivia Rye Josloff Lynnette Keel Nathan Stenstrom Lillian Campbell Jerry Loven Ansley Bennett Gee Jamie Greig Jeremy Yoder Adam Jacoby rondell Adam Suzan Chelsea Walker Tiffany Poplin Bill Bavar Sarah Dan  Katelyn Turner Keiva Brannigan Keith Martin Sue First Steve Hoeker Jessica Allen Michael Anthony White Lauren Glassman Brian Williams Henry Wagner Brett Livaudais Linda Elswick Carter A. Fourqurean KC Khoury Tonya Charles  Justly Maya Brandon Lavin Kathy McHale Chuck Nealen Courtney French Nikki Long Mark Zarate Laura Palmer  JT Dean Bratton Kristy Erin Burgess Chris Arneson Trenton Sullivan Jen and Nic Michele Lindemann Ben Stitzel Michael Redman Timothy Heavner Jeff Foust Richard Lefdal Myles Bagby Jenna Leatherman Albert Thomas Kimberly Brown Tracy Oldaker Sara Zimmerman Madeleine Garvey Jenni Yetter JohnB Patrick Leahy Dillon Enderby James Brown Christy Shipley Alexander Calder Ricky Carney Paul McLaughlin Casey OConnor Willy Powell Robert Casey Rich Hyjack Matthew Frost Brian Salyer Greg Bristow Megan Donnelly Jim Fields Mo Martinez Luke Mckay Simon Time Feana Nevel

Could U.S. public companies shift from quarterly to semiannual reporting? Jonathan Johnson, former chairman and CEO of Overstock and current member of various boards, joins the show to unpack one of the most debated proposals to SEC reporting. They explore whether fewer formal filings would help management teams stay focused on long-term enterprise value instead of reacting to quarterly earnings swings. In this episode: • How a semiannual cadence could affect a company's time horizon • Whether companies would still feel pressure to share quarterly updates • The gap between GAAP metrics and the metrics leaders actually use to run the business • Why the growing length of 10-Qs and 10-Ks is fueling this debate • The role XBRL® tagging plays in machine and AI analysis—and what could shift • Whether board oversight and accountability would meaningfully change Jonathan also points out that semiannual reporting already works in markets like Europe and Australia. Catch this episode for a candid executive view on one of the biggest potential shifts in public-company reporting. Timestamps 00:00 Introduction 01:15 Why semi-annual reporting is back in the spotlight 03:10 CEOs vs. CFOs: What the WSJ poll revealed 06:30 How quarterly reporting shapes internal rigor 08:00 Jonathan Johnson joins the conversation 08:20 Does quarterly reporting really drive short-term thinking? 13:00 Why internal reporting cadences won't change 15:20 Are 10-Qs simply too long? 18:00 Board oversight: What would actually change? 20:00 Should executives rethink their processes? 21:50 Semi-annual reporting around the world Subscribe to The Pre-Read for more conversations at the intersection of finance, reporting, and leadership.

1 Corinthians 11:17-34 andHeidelberg Catechism, Qs. 81-82

You ask, I answer! This month's Qs include what I'm thankful for, race plans for next year, why strength training is vital, and a whole lot more! Check out the full list of Qs and my meme/GIF As at http://DizRuns.com/1323. Love the show? Check out the support page for ways you can help keep the Diz Runs Radio going strong! http://dizruns.com/support Become a Patron of the Show! Visit http://Patreon.com/DizRuns to find out how. Get Your Diz Runs Radio Swag! http://dizruns.com/magnet Subscribe to the Diz Runs Radio Find Me on an Apple Device http://dizruns.com/itunes Find Me on an Android http://dizruns.com/stitcher Find Me on SoundCloud http://dizruns.com/soundcloud Please Take the Diz Runs Radio Listener Survey http://dizruns.com/survey Win a Free 16-Week Training Plan Enter at http://dizruns.com/giveaway Join The Tribe If you'd like to stay up to date with everything going on in the Diz Runs world, become a member of the tribe! The tribe gets a weekly email where I share running tips and stories about running and/or things going on in my life. To get the emails, just sign up at http://dizruns.com/join-the-tribe The tribe also has an open group on Facebook, where tribe members can join each other to talk about running, life, and anything in between. Check out the group and join the tribe at https://www.facebook.com/groups/thedizrunstribe/

Mind your Ps and Qs and answer 10 trivia questions on ‘P' Word Definitions! If you'd like to choose a specific topic or dedicate an episode to a friend send a donation of your choice to our PayPal (NoChitChatTrivia@gmail.com) or our Venmo @NoChitChatTrivia and write the topic you'd like in the comments: https://account.venmo.com/NoChitChatTrivia Our official store is live!  Support the show by grabbing a NCCT shirt, hat, puzzle, or more: https://www.thetop10things.com/store Social Media Links: TikTok, Instagram, FaceBook, YouTube Visit our sister site thetop10things.com for travel and entertainment information! Thank you to everyone who listens!  Say hello or let's collaborate: nochitchattrivia@gmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Free newsleter + gift - https://www.clarkkegley.com/free-ques... Free shadow work Qs - https://www.clarkkegley.com/shadow-work My Best Journal Program - https://www.mybestjournal.com The Best of Series | 10-years In The Making:    • THE BEST OF - Clark Kegley | Top Videos on...   MY FAVORITE TOOLS

Strap in for some of the most long-winded answers to questions I've ever given; multiple times where I just start laughing; and possibly the longest outro segment I've ever done, which happened entirely by accident. Thank you SO much for all of your questions!Help me keeping making shows AND get more vampire stuff on Patreon: https://www.patreon.com/cw/hangingslothstudiosAsk me your extra Qs over on the show's tumblr: https://notquitedeadpod.tumblr.com/Get updates over on Bluesky: https://bsky.app/profile/hangingsloth.bsky.socialInfo about Not Quite Dead is available here: https://hangingslothstudios.com/not-quite-dead/Not Quite Dead is written, created and performed by Eira Major, under a creative commons 4.0 attribution license, with Kickstarter Vampire Producers Aster and Ted. Live, laugh, bite. Hosted on Acast. See acast.com/privacy for more information.

Today we dive into our final episode of the 2025 special interview series edition of Awakening: The Podcast.In this episode, Jordan Summers, sovereignty & spirituality guide, shares her experience of being inside the control grid to breaking free & how she now helps others do the same. Join us as we cover:*How to end the timeloop of doomscrolling*What to do if you're freaked out by the current collapse *Unmasking the debt slave system*Breaking out of the digital control grid*How to truly break free from the matrix systems (it's not what you think!)*Top ways you're giving your life force to the control systems and how to stop*How fiat, food & water poisoning are just the beginning of true awakening*Why you need to Stop watching and take action now*Your nervous system is controlled by the matrix, how to reclaim your authority*The danger of online groups, savior theory & more.*The path to peace, calm & confidence*Spiritual war & psy-ops*Can you eat without watching*Can you go to the bathroom without it*Qs to ask before consuming any content*Prayer as a sacred solution*The silent addiction to short-form video*Brain hijacking and how to avoid it*"The Thing is Never about the Thing." *Lifeforce harvesting and how to reclaim your lifeforce*How to feel like a Queen & have the eyes to truly See*Avoiding the smoke & mirrors of the Internet & social media*Creating your legacy of light with spiritual discernment & commitment.Receive Jordan's freebie: jordan-summers.com/neverdoubtyourselfConnect with her on IG: @golden_age_creatrixEmail: jordan@goldenage.digitalIf you'd like more on this, be sure to watch our AI Apocalypse episode here: https://youtu.be/gZ_ZrYlO1KQ?si=6vap4wCI6iGc6FpxTo receive free meditations, transmissions & high-frequency food guidance, visit: Sacred-Spirituality.org

Doghobble Wine Farm with what grapes are native to our region, plus rapid fire turf Qs for UGA's Dr. Clint Waltz

VLOG Nov 19 Epstein files 427-1 vote & Larry Summers quits Open AI, xAI Memphis and Press lock-out; fix b/f Mangione hearings? https://www.patreon.com/posts/lone-wolf-luigi-143893550 6ix9ine invaded, Zillow ban https://matthewrussellleeicp.substack.com/p/extra-at-hearing-on-zillow-ban-compass TD sued, 53 Qs. UN scoop

There are so many things to think about and work on when you're running a business as a solo. So how do you know what to prioritize and at what point? Some of it depends on what phase of business you're in...BUT! There are some clear things to focus on before others and we bat that around and talk about Money making activities.  Building the plane as you're flying it (whether or not that's a good idea).  How to stay on top of it all without losing your mind. We also touch on where getting and keeping clients fits into the whole picture and how it informs what you do when.   Click here to submit your Qs