Podcasts about 11d

Today's crossword was a colorful one, well, red, at least, thanks to the theme -- 4 multi-word answers, the first word of which could be preceded by LITTLERED, as in 17A, Educated, but not streetwise, BOOKSMART, as in LITTLEREDBOOK (as in Mao's bestseller).Mike had a spot of difficulty, uncertain of and therefore focused on 11D, Judicial capital of Bolivia, SUCRE, whereas his real error was 62D, Cheese coating, WAX (not WAC, which would be simply, well, whack). Jean breezed through today's crossword, abetted by her crossword solving partner (not Mike, who is not so much an abetter as an aworser ;-)In other news, Jean overcomes the challenge of doing Triplet Tuesday while on the road, in spite of Mike's sly misreading of the heteronyms NUMBER and NUMBER. To hear all this goodness, download and listen up!

It's a Saturday New York Times crossword, which means that the glove are off, the gauntlet's been thrown down, in short, the puzzle was tough -- amusing, but tough. The grid itself was built to challenge, divided into 4 largely isolated quadrants. Jean had trouble keeping her footing in the center of the crossword, with 26A, Break down for closer analysis, as data, SLICEANDDICE, not immediately clicking, and 30A, Iconic iPhone addition of 2011, EMOJIKEYBOARD, also causing grief. Mike, meanwhile, simply could not believe his eyes at 10D, Having a gap, HIATAL, and his reaction was best summed up by the adjacent 11D, "Whoa, _____!", NELLIE. So, a tough but fair crossword, with plenty of fun clues, we give it a 5 squares on the JAMCR scale.

En esta edición remasterizada entrevistamos al gran Francisco Villatoro (Francis. Naukas-La Ciencia de la Mula Francis) Dr. en Matemáticas, Licenciado en Física, ingeniero informático y profesor en la Universidad de Málaga. Estas son las preguntas. ¿Qué es la teoría de cuerdas? Un nuevo paradigma para hacer física, como la física de Newton, la física cuántica o la física relativista. La física de Newton (F=m a) no predice la fuerza entre dos electrones (que viene determinada por los experimentos) ni la fuerza de la gravedad entre dos planetas (que Newton dedujo a partir de las leyes de Kepler). La teoría de cuerdas es un nuevo paradigma que predice todos los universos posibles. Entre ellos está nuestro universo, pero no tenemos ninguna razón por la cual haya sido seleccionado. Según la teoría de cuerdas todo está hecho de cuerdas. ¿Qué son las cuerdas de la teoría de cuerdas? En la teoría de cuerdas todas las partículas como vibraciones de pequeñas cuerdas. Los átomos de John Dalton en el siglo XIX no son los átomos de Demócrito, pues no son elementales, están compuestos de partículas. Las cuerdas de la teoría de cuerdas son los átomos de Demócrito. Diminutas cuerdas con un tamaño en la escala de Planck, 10^-35 metros, unas 10 sixtillonéximas de metro. Tan pequeño que si dilatáramos una de esas cuerdas hasta llegar al tamaño de un átomo de hidrógeno, un ser humano sería tan grande como una galaxia espiral del tamaño de la Vía Láctea. Esta teoría pretende unificar toda la física, tanto la teoría cuántica de partículas como la teoría clásica de la gravedad. Las cuatro fuerzas fundamentales de la física: la gravedad, la electromagnética, la nuclear fuerte, que mantiene a los protones y neutrones unidos en los átomos, y la nuclear débil, responsable de la radiactividad natural, serían unificadas por esta teoría. La teoría de cuerdas predice que el espaciotiempo tiene más de cuatro (3+1) dimensiones. ¿Cuántas dimensiones tiene el espaciotiempo? La teoría de cuerdas es el candidato más firme en la actualidad a describir la gravedad como una teoría cuántica, ya que uno de los modos de vibración de las cuerdas describe los gravitones, las partículas cuánticas de la gravedad. Construir una teoría cuántica de la gravedad es uno de los problemas más difíciles en la historia de la física teórica. La teoría de cuerdas resuelve este y algunos otros problemas, aunque el precio a pagar es la aparición de muchísimos otros todavía no resueltos.?? El espaciotiempo no es un concepto fundamental en teoría de cuerdas, emerge de la interacción fuerte entre muchos gravitones. Hay varias versiones de la teoría en las que el espaciotiempo emerge con un número diferente de dimensiones. Hay cinco teorías en 10D y la llamada teoría M en 11D. Todas estas teorías son equivalentes entre sí y describen la misma física pero desde diferentes puntos de vista. Las dimensiones extra del espacio tiempo 4+6 (o 4+7) están muy curvadas (compactificadas) y no las podemos observar. ¿Cómo describe la teoría de cuerdas todas las partículas fundamentales conocidas? Todas partículas elementales y sus interacciones son descritos por el modelo estándar de partículas. La estructura matemática del modelo es muy sofisticada: describe partículas que distinguen izquierda de derecha, partículas con propiedades estadísticas muy diferentes (fermiones y bosones), además contiene muchísimos elementos de teoría de grupos, integrales en espacios de dimensión infinita, y un largo etcétera.? Durante el desarrollo inicial de la teoría de cuerdas (1968-1984) quedó claro que las únicas formulaciones de la teoría que pueden describir la complejidad del modelo estándar, son las que tienen lugar si se da un nuevo tipo de simetría espaciotemporal conocida como supersimetría. La supersimetría relaciona las partículas fermión con las bosón. Cada partícula en la naturaleza es un bosón o un fermión; los quarks, electrones y neutrinos son fermiones, y los fotones y la partícula de Higgs bosones. Una de las implicaciones físicas de la supersimetría es que dobla el número de partículas conocidas, es decir, por cada fermión (respectivamente bosón) habría un bosón (fermión) que todavía no se ha detectado.?? Las cuerdas con supersimetría se suelen llamar supercuerdas y se conocen cinco teorías de supercuerdas en 10D equivalentes entre sí: la tipo I, la IIA, la IIB, la heterótica HO y la heterótica HE. Además son equivalentes a una teoría de la gravedad supersimétrica en 11D. ¿Se puede probar experimentalmente la teoría de cuerdas? No es fácil. La física cuántica de la gravedad se observa a energías que no podemos explorar en los experimentos y la física cuánticas de las partículas que podemos estudiar en los colisionadores corresponde al vacío de la teoría de cuerdas. Con la tecnología actual no podemos saber si las partículas son realmente cuerdas o no lo son. En los experimentos todas las partículas elementales parecen puntuales. Todas las predicciones de la teoría de cuerdas se pueden estudiar sin la teoría de cuerdas. Por ejemplo, si se descubre la supersimetría (que fue inventada gracias a la teoría de cuerdas) no se demuestra la teoría de cuerdas ya que se pueden construir teorías supersimétricas sin teoría de cuerdas. Observamos 4 dimensiones, ¿cómo se enrollan las dimensiones extra del espaciotiempo para que no las veamos? El universo que observamos tiene tres dimensiones de espacio y una de tiempo; la única forma de que hubiera seis dimensiones extra es que éstas estuvieran "enrolladas" a escalas microscópicas. De la misma forma que un cable fino, el cual puede parecer una línea unidimensional, es una superficie bidimensional con la dimensión que describe su grosor "enrollada", la física que observamos dependería de las formas geométricas que contienen las seis dimensiones enrolladas (o compactificadas). Las matemáticas que describen la compactificación son muy elegantes. Matemáticos reconocidos mundialmente por sus contribuciones en matemáticas fundamentales, hoy trabajan en problemas de teoría de cuerdas. Y viceversa, estructuras matemáticas encontradas por teóricos de cuerdas han despertado tanto interés en el mundo de las matemáticas que han aparecido nuevas áreas de investigación entorno a ellas.? ¿Además de las cuerdas hay otros objetos en la teoría de cuerdas? Hay muchos otros objetos. Los más importantes son las branas y sus cargas, las cuerdas-instantón, los instantones, los fibrados estables, etc. son conceptos asociados a la geometría que describe las dimensiones compactificadas. ¿La teoría de cuerdas apoya la idea del multiverso? Nuestro universo está descrito por un vacío de la teoría de cuerdas, pero hay infinidad de vacíos. La teoría de cuerdas describe todos los universos posibles. Algunos teóricos de cuerdas proponen que todas esas configuraciones existen objetivamente en lo que llaman el multiverso. Combinado con el principio antrópico, dicho grupo de teóricos dice explicar porqué la constante cosmológica observada es tan pequeña. Simplificando, su argumento dice: "casi todas las configuraciones del multiverso corresponden a universos en el que la vida no es posible; obviamente nosotros vivimos en un universo de ese multiverso en el que la vida sí es posible; un análisis estadístico en el multiverso implica que lo más probable es que un universo donde la vida sea posible tenga una constante cosmológica pequeña y positiva" La principal crítica que está recibiendo la teoría de cuerdas es que es incapaz de predecir nada. ¿Sirve para algo una teoría que no predice nada? Se ha llegado a decir que no es una teoría falsable. Como predice todos los universos posibles no podemos comprobar la teoría con nuestro único universo. Lo cierto es que la teoría todavía no está entendida correctamente y que es precipitado sacar conclusiones. Faltan muchos problemas por resolver. Por ejemplo, hay evidencia de que las diversas teorías de cuerdas son límites diferentes de una teoría más profunda conocida como teoría M (donde M se refiere a Matriz, Misterio, Madre. . .). Sin embargo, formular en qué consiste exactamente esta teoría M se está convirtiendo en uno de esos proyectos a largo plazo donde no está claro que el "a largo plazo" no sea lo mismo que ilimitado. ¿La teoría de cuerdas es una teoría de todo? La formulación más completa de la teoría de cuerdas, llamada teoría M, aspira a ser una una teoría final o una teoría de todo que pueda ser formulada utilizando un número finito de principios físicos. Entender la teoría de cuerdas y la teoría M es un proyecto monumental para la comunidad de físicos teóricos y en cualquier momento puede haber sorpresas. También puede haber sorpresas desde la física de partículas (en el LHC) o en la cosmología observacional. ¿Cómo nació la teoría de cuerdas? ¿Cuál es su historia? Durante la década de los 1960 era un intento de explicar la fuerza nuclear fuerte entre el zoo de partículas (hadrones) que se descubrieron en los experimentos. El gran motor fue una fórmula matemática del joven físico italiano, Gabriele Veneziano. Pronto se descubrió que describía cuerdas vibrantes. Leonard Susskind veía las cuerdas con quarks en sus extremos para describir los mesones. Pero los bariones fue más difícil. Pero el modelo estándar eclipsó a la teoría de cuerdas en 1973. La primera revolución en 1984 y la segunda revolución en 1995 nos llevan a la situación actual. ¿Cómo explica la teoría de cuerdas el big bang? Hay muchas variantes, pero algunos defensores de la teoría de cuerdas han sugerido que el big bang no fue el inicio de todo. Si vivimos en una brana (D3) dentro de un espacio 11D donde hay más branas podemos imaginar que dos de estas membranas choquen entre si. Según esta idea, en algún momento anterior al Big Bang dos branas que albergaban universos paralelos se precipitaron la una contra la otra hasta que chocaron (Inflación brana-antibrana, D3-D3bar). Toda esa energía tenía que ir a alguna parte. Así desencadenó el Big Bang, creando la expansión que conocemos y calienta todas las partículas del universo formando una enorme masa ardiente. También hay varios posibles modelos de inflación en teoría de cuerdas: La tensión de un par brana-antibrana actúa como una energía de vacío que produce una fase de expansión acelerada. El inflatón es un campo que mide la distancia entre la brana y la antibrana. Inflación termina con la aniquilación del par, la energía se libera a partículas y radiación, en expansión desacelerada. ¿Cómo explica la teoría de cuerdas los agujeros negros? A bajas energías la dinámica del gravitón de teoría de cuerdas reproduce la Relatividad General. Existen soluciones de tipo agujero negro en teoría de cuerdas, pero involucran estos campos adicionales (compañeros supersimétricos del gravitón => gravitinos, dilatón, dilatinos, ...). La entropía de los agujeros negros de Bekenstein-Hawking se ha explicado gracias a las Dp-branas. Son objetos extensos, con p dimensiones espaciales y que se propagan en el tiempo. En acoplamiento débil se describe como hiperplanos en los que se localizan los extremos de las cuerdas abiertas. Se pueden apilar o superponer N Dp-branas y se forma un horizonte de sucesos como un agujero negro, las llamadas D-branas negras. La descripción con D-branas permite entender los microestados del agujero negro para acoplamiento fuerte. Los microestados del agujero negro corresponden a los microestados de la sopa de cuerdas abiertas entre las Dbranas que forman el agujero negro ¿Tiene otras aplicaciones la teoría de cuerdas? Gracias a la conjetura o correspondencia AdS/CFT de Maldacena. La información de los microestados cuánticos del agujero negro está almacenada sólo en el horizonte. Analogía con un holograma, imagen 2d que almacena info 3d. La información de un sistema con gravedad en D dimensiones se codifica en una teoría sin gravedad en su frontera de (D-1) dimensiones. Teoría SIN gravedad en 4D Teoría CON gravedad en 5D. AdS/CFT es una correspondencia holográfica. Teoría gauge SU(N) en 4d Teoría de cuerdas en AdS5 x S5. Deberían ser equivalentes... y son mucho más tratables que los sistemas originales. Tiene aplicaciones en física de la materia condensada, plasma quarks y gluones, turbulencia, ... etc. En los últimos 10 minutos nuestro amigo Alberto Jiménez nos trae una primicia sobre los Vengadores. Espero que os guste este programa. fuente de la imagen: http://www.eslocotidiano.com/articulo/tachas-310/teoria-de-las-cuerdas/20190518213930053721.html

Happy Father's Day! Episode 64 of the Be More Today Show features my father Samuel A. Thomas, MSW.  Samuel Anthony Thomas MSW is a graduate from Fordham University School of Social Work and currently works at Monhagen Middle School as a School Social Worker. As a Social Worker he looks to meet students where they are and strives to find their hidden talents. As a Cross Country and Track Coach he enjoys coaching cross country and track, as a way to re-live my running days. His favorite motivational quote for his runners is, “when the body says no, the mind says yes I can”. He's the Director of the Chess Club and Director of the Builders Club whereby he produces Talent Shows and donates proceeds to local charities. He's also a Vendor Representative for Coty International which includes designer men's and women's fragrance, such as Gucci, Burberry, Marc Jacob, Chloe, Tiffany, Calvin Klein and Hugo Boss. He was a former New York Stock Exchange Trading Investigator, Entrepreneur, Food Store and Deli Owner and operator. He was also a Human Resource Manager for May Company Department Stores. He's the Author of, “To the Sistas, Diary of a man who happens to be Black”. He is a former US Army Veteran who served 4.5 years. 11D reconnaissance specialist. Ran Track in High School and College. High School 2 mile relay, held record of 7:35:6 for over 30 years. He was featured in Runners magazine in an article titled, “The record that was never broken” and held Millrose Games and Penn Relay records during high school. As a Received over 10 Track scholarship offers and loves to share about how track and field helped him maintain a healthy lifestyle. #morethananathlete #useitorloseit #bmtshow #bemoretoday #happyfathersday #trackstarsrus #andrewjackson #runnersmagazine #menshealth --- Send in a voice message: https://anchor.fm/bemoretoday/message Support this podcast: https://anchor.fm/bemoretoday/support

An excellent Friday crossword, lots of ingenious and crisply crafted clues. Exhibit A, 39D, Long divisions?, AISLES, and 52A, They may have lots of steps, STAIRWELLS (a nice bit of indirection). Today's puzzle was also, as all good crosswords are, a learning experience: 5A, First country to discover water on the moon, INDIA; 11D, Many a farmer's market attendee, LOCAVORE (wow!); and 30A, "Rabbits" in a race, PACESETTERS, which forms the basis of today's Fun Fact Friday segment.

If you saw RED in today's crossword, DONTPANIC -- there *was* RED in today's crossword -- 4 RED squares, in fact, where you had to turn right and keep going in order to solve the clues. Jean hit a rough patch in the bottom right, while Mike, solving 11D, Nickname for tap-dancing legend Bill Robinson, BOJANGLES, got the Sammy Davis Jr. song stuck in his head, where it remains lodged even now. SOSAD!

After yesterday's quagmire, today's crossword is (relatively) straightforward -- not easy by any stretch of the imagination, but there were enough toeholds in every area of the puzzle to give one hope. Jean, for instance, knew 27D, Figure skater Lipinski, TARA, in the center left of the crossword; 21D, Tony-winning musical written by Lin-Manuel Miranda during his second year of college, INTHEHEIGHTS, on the right side; 11D, It may keep you on your toes, BALLET, in the northeast corner;, and 45D, Painter and devotee of 11D, DEGAS, in the southwest. Mike knew, um, well, ... we'll get back to you on that. In the meantime, we give this crossword a 5 squares on the JAMCR scale.

A stylish Monday crossword starts our puzzle-solving week. Jean got momentarily got hung up on 5A, The five weekdays, for short, writing MTWRF, rather than the NYTimes officially sanctioned MTWTF, begging the question, what day is T, and how would you interpret TGIT. Mike got hung up on culture -- 1A Actress / TV host _______- Pinkett Smith offered no help, so he turned to 1D, Liz's best friend on "30 Rock", and realized that he would have to let the crosses do the talking (JADA and JENNA, they said, respectively).The fact that 45A, February 29, was a LEAPDAY came as not entirely a surprise, more one of those, "oh, yes, I remember ..." moments, whereas 11D, "High" figure in a tarot deck, PRIESTESS, was definitely novel.If you'd like to comment on anything you hear in these podcasts, please drop us a line at crosswordpodcast@icloud.com -- we love to get feedback!

A DEVILISH Saturday crossword, but ILIKEDIT, well, both of us did, to be precise. And precise is, er, precisely what you needed to be to solve this elegantly crafted puzzle by Brendan Emmett Quigley, with some SWELL clues like 31A, Woman of the world, MOTHERNATURE, and 11D, Occasion for smoking, BARBEQUE.We give this an enthusiastic 5 squares on the JAMCR scale.Remember, if you want to get in touch to discuss anything you hear on this podcast, just drop us a line at crosswordpodcast@icloud.com. Feedback is always appreciated!

  Lisa M. Gunshore is the Buddhist Biohacker. She's also a psychic medium, channel, functional Ayurveda coach, and author. She shares the two amazing near death experiences that led her to the work she does now. Plus learn about clean food and leading a healthy lifestyle. Visit BigSeance.com/176.   Other Listening Options Direct Download Link   In this episode: Episode Teaser :00 Intro 1:01 A special Thanksgiving shoutout to my Patreon supporters at the Super Paranerd and Parlor Guest level! 1:43 Pour the tea! Lisa M. Gunshore’s Bio! 4:19 More about Lisa’s journey and the events that led her to her current work. 6:58 Lisa has many food sensitivities, and her culinary background has helped her to lead a healthy lifestyle with both yoga and clean food. 10:43 Living in vitality, psychic fairs and circus food, and the light in our cells. 14:00 What is 11:11D? 19:44 A car accident and a health crisis: Two of Lisa’s Near Death Experiences. 24:53 More about the car accident. 32:20 Lisa’s book, Enlightenment Pie, covers her health crisis. 34:40 Spirit photos and the Addie house in Lead, South Dakota. 37:10 Lisa’s predictions and thoughts on 2021. 50:20 Final thoughts and where to find Lisa M. Gunshore. 53:12 Outro 56:01   Patrick's Previous 2 Appearances on the Buddhist Biohacker 10/30/20 - Paranormal communication with Patrick Keller (Halloween Edition) 8/7/20 - Paranormal Communication with Patrick Keller   For More on Lisa M. Gunshore LisaMGunshore.com YouTube: Buddhist Biohacker   The Big Seance Podcast can be found right here, on Apple Podcasts, Google Podcasts, Pandora, Spotify, TuneIn Radio, Stitcher, Amazon Music, and iHeart Radio. Please subscribe and share with a fellow paranerd! Do you have any comments or feedback? Please contact me at Patrick@BigSeance.com. Consider recording your voice feedback directly from your device on my SpeakPipe page! You can also call the show and leave feedback at (775) 583-5563 (or 7755-TELL-ME). I would love to include your voice feedback in a future show. The candles are already lit, so come on in and join the séance! 

Do you want last weeks trade rumours then you have come to the right place! In this jam packed episode the boys give their uneducated opinions on the NBA/AFL Trade rumours, talk about Uni in 2020, DP has a HOT TAKE, Cardi B shows us how to clean our assholes and More! Cheers!Beer Review - 3:18 Review the last episode with Paul Muzz! - 8:03I aint never seen 2 pretty best friends - 12:15Express Beer Review - 19:45D.P's Uni Review - 22:11D.P Doughnut Story - 27:03HOT TAKE - 32:25How Cardi B cleans her asshole - 46:01NBA CHATS - 47:19AFL Chats - 1:01:18Crickets Corner - 1:09:04SHOUT OUTS! - 1:21:47 See acast.com/privacy for privacy and opt-out information.

Do you want last weeks trade rumours then you have come to the right place! In this jam packed episode the boys give their uneducated opinions on the NBA/AFL Trade rumours, talk about Uni in 2020, DP has a HOT TAKE, Cardi B shows us how to clean our assholes and More! Cheers!Beer Review - 3:18 Review the last episode with Paul Muzz! - 8:03I aint never seen 2 pretty best friends - 12:15Express Beer Review - 19:45D.P's Uni Review - 22:11D.P Doughnut Story - 27:03HOT TAKE - 32:25How Cardi B cleans her asshole - 46:01NBA CHATS - 47:19AFL Chats - 1:01:18Crickets Corner - 1:09:04SHOUT OUTS! - 1:21:47 See acast.com/privacy for privacy and opt-out information.

it's Saturday, which means that, in crossword terms, ITSWAR. There were tough clues like 31D, Turning the tables? (DJING), 35A, Where people get in hot water? (JACUZZIS), and 14A, Traveler with a turbine (HOVERCRAFT), as well as ARCANE clues like 11D, Longtime head of the Boston Symphony Orchestra (SEIJIOZAWA). You could definitely be forgiven for saying PANT, PANT, once you got this one done! We give a 4 on the JAMCR scale.

An extremely exciting example of extraneous use of "ex" in a crossword

En dag när han undervisade folket i templet och förkunnade budskapet kom översteprästerna och de skriftlärda tillsammans med de äldste fram till honom 2och sade: ”Säg oss vad du har för fullmakt att göra detta. Vem är det som har gett dig den fullmakten?” 3Han svarade: ”Jag har också en fråga till er. Säg mig: 4dopet Johannes döpte med, kom det från himlen eller från människor?” 5De överlade med varandra: ”Om vi svarar: Från himlen, säger han: Varför trodde ni då inte på honom? 6Men om vi svarar: Från människor, då kommer hela folket att stena oss, för de är övertygade om att Johannes var en profet.” 7Och de svarade att de inte visste. 8Då sade Jesus till dem: ”I så fall talar jag inte heller om för er vad jag har för fullmakt att göra detta.”Liknelsen om arrendatorerna i vingården9Sedan gav han folket denna liknelse: ”En man planterade en vingård och arrenderade ut den och for bort på en längre resa. 10När tiden var inne skickade han en tjänare till arrendatorerna för att hämta en del av vingårdens skörd. Men de pryglade tjänaren och körde i väg honom tomhänt. 11Då sände han en annan tjänare. Men de pryglade och skymfade honom också och körde sedan i väg honom tomhänt. 12Och nu skickade han en tredje, men också denne slog de blodig och kastade ut. 13Då sade vingårdens ägare: ’Vad skall jag göra? Jo, jag skickar min älskade son, honom har de kanske respekt för.’ 14Men när arrendatorerna fick se honom överlade de med varandra: ’Här har vi arvtagaren, låt oss döda honom så vi får arvet.’ 15Och de släpade ut honom ur vingården och slog ihjäl honom. Vad gör nu vingårdens ägare med dem? 16Jo, han kommer dit och tar död på arrendatorerna och ger vingården åt andra.” När de hörde detta sade de: ”Nej, det får aldrig ske!” 17Jesus såg på dem och sade: ”Vad betyder då det som står skrivet: Stenen som husbyggarna ratade har blivit en hörnsten. 18Den som faller på den stenen blir sönderslagen, och den som stenen faller på blir krossad.” 19De skriftlärda och översteprästerna hade velat gripa honom med en gång, men de var rädda för folket; de förstod att hans liknelse var riktad mot dem.Luk 20:1-19 (Bibel 2000)Marie Ek Lipanovskahttp://www.marieeklipanovska.se

En gång undervisade han i en synagoga på sabbaten. 11Där fanns en kvinna som hade plågats av en sjukdomsande i arton år. Hon var krokryggig och kunde inte räta på sig. 12När Jesus fick se henne kallade han på henne och sade: ”Kvinna, du är fri från din sjukdom”, 13och så lade han sina händer på henne. Genast kunde hon räta på sig, och hon prisade Gud. 14Men synagogföreståndaren, som förargade sig över att Jesus botade på sabbaten, sade till folket: ”Det finns sex dagar då man skall arbeta. På dem kan ni komma och bli botade, men inte under sabbaten.” 15Herren svarade honom: ”Hycklare, finns det någon av er som inte löser sin oxe eller åsna från krubban också på sabbaten och leder ut och vattnar den? 16Men här är en Abrahams dotter som Satan har hållit bunden i arton år. Skulle hon inte få lösas från sin boja på sabbaten?” 17Dessa ord kom alla hans motståndare att skämmas, men folket gladde sig över allt det underbara som han gjorde.Luk 13:10-17 (Bibel 2000)Marie Ek Lipanovskahttp://www.marieeklipanovska.se

För körledaren. Av David, en psalm, en sång.2Gud reser sig, hans fiender skingras,hans motståndare flyr undan.3Som röken virvlar bort,som vaxet smälter för eldenförgås de onda inför Gud.4Men de rättfärdiga gläds inför Gud,de fröjdar sig och jublar av glädje.5Sjung till Guds ära, lova hans namn,hylla honom som rider på molnen!Herren är hans namn, jubla inför honom,6de faderlösas fader, änkornas försvarare,Gud i sin heliga boning.7Gud ger de ensamma ett hemoch de fångna frihet och lycka,men upprorsmännen får bo i öknen.8Gud, när du drog ut i spetsen för ditt folk,när du gick fram i ödemarken,9då bävade jorden, då strömmade det från himlen,inför Gud, Sinais herre,inför Gud, Israels Gud.10Ett ymnigt regn lät du falla, o Gud,ditt kraftlösa land gav du styrka.11Där fick din skara bo,du sörjde för de arma i din godhet, o Gud.12Herren har sagt sitt ord,en här av kvinnor sprider segerbudet.Källa: Bibel 2000

Mjukt svar stillar vrede,hårda ord väcker harm.2Den vises tal flödar av kunskap,ur dårens mun strömmar enfald.3Herrens blick når överallt,den följer onda och goda.4Läkande ord är ett livets trädmen svekfulla knäcker lusten att leva.5Dåren förkastar sin fars fostran,klok den som låter sig tuktas.6I den rättfärdiges hus samlas rika skatter,vad den onde tjänar förfars.7Den vises ord sprider kunskap,dårens tankar går vilse.8Den ondes offer väcker Herrens avsky,den rättrådiges bön behagar honom.9Herren avskyr syndigt leverne,strävan efter rättfärdighet älskar han.10För den avfällige är fostran ett ont,men den som skyr tuktan måste dö.11Dödsriket och avgrunden ligger öppna för Herren,hur mycket mer då människors hjärtan!Ords 15:1-11 (Bibel 2000)

SMA student, Beatrice from 11D, shares about the CHDP and her excitement for Silent Sunsets.

Aubrey Mast is an Intuitive, Health Coach, Herbalist, and Wellness Chef dedicated to helping people root into their bodies and into their sovereign self. She has helped thousands come back into their bodies with nutrition, self-care, and intuitive practices. Aubrey Mast and Susan Grace co-host the rapidly growing, internationally followed Be the Evidence podcast available now at http://betheevidencepodcast.com/ and all platforms where podcasts are streaming. We’re talking about bringing astrology into your daily life, bringing it back down to earth, and, as is Aubrey’s expertise, bringing it into the body. GUEST LINKS - AUBREY MAST betheevidencepodcast.com podcast betheevidence.live platform | community aubreycara.co Root Rising podcast HOST LINKS - SLADE ROBERSON Slade's Books & Courses Get an intuitive reading with Slade Automatic Intuition FACEBOOK GROUP Shift Your Spirits Community BECOME A PATRON https://www.patreon.com/shiftyourspirits Edit your pledge on Patreon TRANSCRIPT Slade: People will have heard you and I speak before on your podcast, Root Rising. But you have a new podcast with Susan Grace. Tell us about that podcast. Aubrey: Yeah, so we have a brand new podcast that's called Be the Evidence. We just pushed out our 20th episode this morning and it is a blend of my strengths with working with clairvoyance and clairsentience, clairaudience. I'm able to hear and see images come to me and they typically are in relationship to the body and a lot of times colours. And then I meet that with Susan Grace, who's an amazing astrologer. The way that we look at it is, this is a beautiful way we blend the conversation about the mind and coming into the body. So it's very stars to root feeling. The podcast is all centred around this theme of being that evidence. I think for us, that means walking the talk. Like, if we are all in this movement towards collective consciousness, and doing our work, and showing up more embodied and more as infinite as liberated individuals, not only for ourselves but for society. There's some level of evidence that we have to walk on our day to day being. And so, this is a podcast where we explore those conversations in a very real talk way, like you just stumbled into our living room and Susan and I are having this really raw conversation of like, Oh, yeah, things have been really hard and this is how I'm moving through them. So you'll get pieces of astrology that's real time, and you'll definitely get pieces of wellness information within it. Slade: Tell me a little bit about your background. You're working on a Ph.D. I kind of want everyone to know where you're coming from and how seriously you take this mind-body connection. Aubrey: Yeah, so my Ph.D is in mind-body medicine. So far, it looks as if I'm going to be focused on the gut microbiome and how it relates to psycho-neuroimmunology, which is really a beautiful way of saying how the bacteria that is found all over our bodies, and in our environment, impacts the energies that we're exposed to. And that plays a role in our consciousness but also in our thoughts that we have and our overall wellbeing. But beyond that, my master's was in Public Health. I focused on nutrition. My undergrad was in health and wellness promotion. I'm an herbalist. I am also a chef. I'm a holistic health coach. The last 15 years of my career has really been focused on healing the body. And it seems like within the last 2 or 3 years, especially since I was doing my work with you, that it's become more of this intuitive-based practice, where it's not just about physically healing the body. It's also about consciously healing the thoughts that we think, because they dictate how our cells react and respond in our bodies. They dictate how our genes respond. So I'm really viewing it from a holistic level of healing from cells-forward, if that makes sense. Slade: How did you hook up with Susan? Aubrey: In the age of social media, this is like, the complete thing. You and I have had this conversation before too, I think. Of like, all of a sudden, somebody recommends somebody, or somebody shares somebody's post. So, 3 years ago, somebody shared one of her posts and I had viewed it and I was like, Ohmygosh. This is really pertinent. Because she posts with a finger on the collective consciousness for the day. She does daily astrology readings that are specific to the collective consciousness. So I had followed her through Facebook, because every time I checked in to her posts, day by day, they were right on the mark with what was going on in my world. And then I ended up scheduling a reading with her and sat with her for an intensive. And every time I saw with her, I would have this conversation of like, I think you and I are supposed to work together. I'm not quite sure how it pieces out but we're gonna work together. And there was that little awkward laugh of like, Haha... yeah, we'll see......... And then this is how it panned out. Slade: I just want to say, like a quick shoutout to Susan by the way, because her ears are totally burning right now. We're talking about her, and, Susan, I've had recommendations to interview you, so now I feel like I need to immediately, as soon as this conversation is over, get in touch with Susan and have her come on and talk about astrology. Because astrology is definitely showing up as a theme this season for my interview guests. So tell me how you guys blend this astrology information with the wellness and lifestyle choices and healing information that you're working with. Aubrey: Yeah, I think that's really such an important question, honestly, in a sense that, for anybody that's new to astrology, it is its own language. I know you've experienced this in how you teach in Automatic Intuition. There's that section where you speak about astrology and how to make it more simplified. But it's its own language. And I remember coming out of my first reading with Susan and just being completely blown out of the water. Not only was she poignant in what she was talking about, but I was automatically exposed to this language I had no idea what the hell any of it meant. Grand trines and retrogrades and things like that... I had heard these terms thrown around but I did not understand how that applied to my day to day world. I knew that it was part of a subset of language that I was trying to grasp at. So Susan and I had had this conversation of, the information and where astrology is just so pertinent, because it's a visual element. It's a visual map of what is going on, moment by moment. The beautiful thing I think I found about it was that she was like, I don't know how to make it land. Sorry Slade, I'm being interrupted by my son. Slade: That's ok! Aubrey: Thank goodness you can edit this out. Slade: Oh sure! We could also just talk to him. He can be part of the interview if necessary. Aubrey: Honey, you want to say hello? You can say, Hi Mr. Slade! Son: Hi Mr. Slade! Slade: Hey! Aubrey: Sorry about that. Slade: No problem! I often say, I didn't do a lot of the pre-show stuff because I've talked to you before. But one of the things I was gonna say is, if anything happens, we can always cut the show or if we get disconnected, or whatever, and it's fine! I've had instances where my cat's beat the door down and I had to get up and be like, Excuse me for just one moment while I let the cat in. At this point, I'm almost thinking that we should just leave that stuff in. I may not or I may. If something ever really funny and interesting happens, I will absolutely just leave it in. Aubrey: I love it. Slade: Yeah. Because, I mean, the point of this show is really to kind of eavesdrop on the cool conversations that I have with people, and I was listening to Be the Evidence podcast that you do with Susan and it felt like that. It felt like I was sitting at a table at the cafe, next to an astrologist and her girlfriend who is super knowledgeable about wellness stuff, and you guys were breaking it down. Sort of what you were observing in your, what was happening in your life and she was talking about it thematically using astrology as a language. And I just want to say, this came up also in my recent interview with Dena DeCastro. We were really stressing that this is an archetypal vocabulary and it's very useful from that perspective. Even if you take out all the predictive stuff, and the forces in the sky and all that, I was even thinking about the fact that we can use the language of astrology just as any magazine does. You know? Magazines always have this sort of seasonal lifestyle kind of focus, right? Like we shift gears during certain times of year because of the seasons and we tend to focus on different types of activities or different things in our body, depending on what's going on in the environment around us. And so I'm completely okay with saying, You know what? You can debunk everything there is about astrology, which, then I'd want you to go get a reading and then realize it's kind of hard to do that. We could just take it out and say, This is an excuse or an intention for us to focus on this particular theme at this moment. And it would still be incredibly valuable just from that perspective. So give me an example, like I was listening to your show a couple of weeks ago about Virgo energy and how that impacts your daily life, like you said. So give me some examples of how you guys use the themes of what's going on astrologically and then apply that to the 3rd dimensional world. Aubrey: Yeah... I think that's a whole piece of, How do we make it land? I think from being in this field where it's intuitive, right? And I like to be in my Ph.D where it's mind body medicine and a lot of the stuff is not tangible. We can't see it in a lot of ways. How do you make it land and make it become tangible, is always the question of, how can you create a storyline so that people can see it resonating within their lives? So that I can see it resonating in my own life. We just recorded last night and it was a... we're in a lot of Scorpio energy right now, which, thankfully, or not thankfully, I don't know what way you want to look at it, Susan and I are both very, very much in our Scorpio energy, so we can come off as very intense. But for people that are not comfortable in that, it can come off as so intense that it's overwhelming. There's that deer in headlights look, like, I don't know what to do with this, this is a lot. It can look kind of chaotic. Right now the hurricane's hitting and it's sort of that feeling, right? The way that we explore this is to talk about, well, these are the ways that it's coming up in our world. And how do you make it land? So if we're dealing with lots of intensity and lots of chaos. And there's lots of transformation and liberation, that can feel like anxiety a lot of times, and stress a lot of times. So the way that I like to always take it back to the body is, how do we bring these bigger themes into our day to day lives? If we're experiencing lots of anxiety and lots of stress because we're also experiencing lots of intensity in our day to day lives, then it's important to recalibrate our bodies. It's important to calm our systems down. The other day I did a float tank and I got this download about how important it is to drink adaptogens right now, which help us manage stress. They help our body adapt to stressors. That's one of the ways that we explore... like, okay, if you're dealing with intensity and anxiety, this is one of the ways that we can calm our systems. We can also go out into the woods. We can sit and drink a cup of tea. We can have a beautiful conversation like you and I are having. That's very intentional. And to focus on those tactics while we're aware of these bigger themes as a way to land the information into our systems, but without coming from a place of reactivity. I think that's the bigger point for me with astrology. Astrology is almost shining a flashlight on what's happening, and then we get to choose, how do we respond to it? Slade: Mmm... yes. I love that. I have tons of Scorpio in my chart, by the way. Aubrey: That makes sense, why we get along. Slade: Yeah. I'm a Leo with a moon in Scorpio and a rising sun in Scorpio. So I do attract Scorpio energy and I always say, Scary people don't scare me as much as they do other people. I can handle the darkness. Bring your darkness! And you know what? It's crazy though, because I notice when things are really intense and kind of negative, I am much more likely to have good conversations with my Scorpio friends. They seem to have an ability to absorb that negativity, or to filter it in such a way that they don't hear it as like, Oh you're bitchin' and complainin'. You're bringing me down. You know what I mean? Like they almost settle in and resonate with it. I find myself feeling more liberated in venting to someone with that kind of energy. So I don't know if... it's like, it's an instinctive thing and one of the things that I think is kind of interesting about astrology is I often find myself reacting to some kind of vibe that's going on, trying to adjust, like you said, and make these changes that are intentional and healthy and all that kind of stuff. And then I'll find out, while it's going on, or even after the fact sometimes, that there was this astrological phenomenon that I go, Oh, okay! Well that makes sense. That's what that was about. One of the things I think is really fascinating is how little you have to pay attention to it to still kind of be in it, a little bit. Aubrey: I agree. The other day I had that and a little bit of a tiff, was feeling really worked up and stunned. My words being very reactive. And then I had reacted, completely. I was a human and I was just reactive, right? And then later on, was like, What?? What WAS that? Why was I so reactive and sharp with my words? And then I had gotten on Facebook and I had seen that Susan had posted a Happening Now, and it was, Don't fly off the handle. You're going to get real agitated right now. And had listed the placements in the astrological chart for that moment. And I was like, Oh! This is what was happening at that time! But it was playing out in my real world and I was not aware that it was like actually, it had correlations with the planets. Slade: Oh, I hate it when that happens. When you literally read the astrological post 12 hours after you should have seen it, and you're like, Oh no! I just did the very thing that they told me not to do. Aubrey: Exactly. Slade: I do that a lot. I also, though, I think one of the things that's interesting about the predictive stuff is, sometimes I'm more interested in what is happening now in astrology. Like if you say, You know what, we're in a new moon right now. Or we're in a certain kind of moon phase, or Mars just shifted, something like that. Rather than projecting too far down the road, because I think sometimes knowing that, Oh you're going to have challenges in your social life and your relationships in December, it's kind of like, Ugh, I don't want to manifest that or contribute to that in some way and make it true. Therefore I have this tendency to kind of blind myself from some of the predictive stuff sometimes, and I know that sounds weird, but it's like, I don't even want to know. Because I don't want to curse myself in any kind of way. Because I know that, it's not like by knowing that there's gonna be a certain phase happening astrologically, that you can somehow magically avoid that. It still happens and you still kind of have to deal with it in the moment. So I kind of keep my focus a little bit more narrow. But I am interested and aware and I do sometimes, like you guys saw me in the group, when we were launching the Shift Your Spirits community, and everything was in retrograde. And I was like, Okay, well this is not the time to launch. When does it all start to open up again? And I went and sort of looked at when everything kind of had a forward motion to it and picked a date accordingly. Now, for me, I often try to pick dates around moon phases, like start something with a new moon, so that I can be in those rhythms. But I also feel like, philosophically, it gives me a structure to something that might ordinarily be a little bit chaos. If you're running around, kind of wondering, when do I do this? When do I start this? I'm managing multiple platforms online and it can all feel a little bit like plate spinning. And you're just sort of running around like putting out fires. So, for me, sometimes I use the astrological calendar and events as a way of just kind of putting some bookends around things. It makes me feel like it's more organized. Like I have a sense of when something starts and when it comes to fruition. The cool thing, for me, about moon phases is, they constantly restart. It's like, every month is a new opportunity to kind of, Okay, try again. New thing. New project. Aubrey: Yeah. I think that's so important. Since I'm in the bodywork, right? That's also how our cells work too. Our skin cells slough off and then we have new skin cells replaced. We're constantly going through this ebbing and flowing, whether it be from the moon or whether it be from our bodies regenerating ourselves. So we constantly have this ability to come back and give ourselves a framework on which to move around within. And I think we all just choose varying tools to use. I agree astrology helps to give some framework, but I also tend to veer away from any of the predictive qualities. But I also think that's because of my background of where I'm like, Well if we're gonna all walk through it, I would rather walk through it completely unbiased, and see whatever exposes itself, whether it be good or bad. And try to show up with as much grace as I possibly can. It's really interesting for me, working with Susan in a sense that, I've been with her now, in some capacity, for years and it's almost like my brain doesn't quite want to wrap around the language of astrology. I can get the thematics of it but I have a hard time keeping up with the actual vocabulary. I feel like if I was ever given a vocabulary test on astrology, I would probably get a D. Like, I can't. Even though I sit with an astrologer every week, multiple times a week. Slade: Oh, I might get a C+ at best. Aubrey: It's just really intense. But then it's so fascinating to me that I can be intuitively aware of the energies that are going on. I just might not be able to vocalize, Oh, this is because this just clipped in to this degree. Or this is because there is a trine there. Like, I don't have those words, but I can sensationally and visually see and feel what is happening. And I find that really fascinating. Slade: Well that's what I got from listening to you guys. It's kind of like eavesdropping on a conversation where you are sort of observing and she is translating and offering suggestions. And then you are kind of taking that and then... I feel like you're kind of the one who's grounding it in the body a little bit, and she's the one who's giving us the kind of overview, the magical perspective. It's a really cool concept because if you listen to all that astrology vocabulary coming at you, and especially if you don't know what the heck they're saying and what they're talking about, it's like, What do I do with this? Aubrey: Yeah! Slade: I like the idea of having some place that we can go and listen to the astrological information. But you're there as the kind of the person who's representing, for those of us that are like, Okay, what the heck do I do with that? What kind of choices do I make? So you guys are kind of, you're not necessarily speaking specifically about your own personal astrology. It is a little bit more general, right? For the whole audience that's listening. Things that are affecting ALL of us. Aubrey: Yeah. Susan pulls up the chart for the collective. We don't ever pull up a chart for us personally. It's for the collective and that's how she always reads, until she's in private readings. And I think, I just think that piece is so important. Especially when I... I've had several people reach out to me that are like, I don't know how to begin on my intuitive journey. And I know this is part of the reason YOU do the work that you do. Because you've got these requests as well. Figuring out how people... The language that we respond to, for me, in my world is, the language of our body. Oh I feel tight. I feel inflamed. My stomach's upset. I'm craving pizza all day long. Or I'm so tired I can't get out of bed. That's the language that I respond to. And then behind that, I have lots of visuals that tell me things about what's going on. And so, to me, that's how I'm able to communicate to people. Like, this is how you cultivate intuition and to your point about, if you just listen to somebody do a whole astrology, you can easily get blown out of the water and not know how to make it pertinent. But I also think that's so much inundated in the spiritual community, as we get further out into the conversations about 5D realities, or 11D realities. People can get very easily lost. And if we're coming at it with a goal of, Let's just elevate consciousness collectively, let's just all figure out how to be living our optimal lives and elevate one another, then I think we have to figure out how to speak that language at a very intuitive, but basic, understanding. Slade: Almost every single person who does come into my practice asking questions about connecting better, feeling disconnected from their intuition, and how to hear their inner wisdom, all that kind of stuff. Also the people who are in a phase of their life right now where they're absorbing everything that we're putting out. They're in a real intake kind of moment. They're just gorging themselves on all this stuff and it's all coming in. And they're trying to make sense of it and figure out where to put it. It's interesting that you said, for you it always comes back to listening to your body because the advice that I find myself giving so much is about grounding. Every time someone comes to me with an upper level chakra freakout, and what I mean about that is, if you are in your intellect, if you are spiritually questing, if you're constantly practicing psychic techniques or trying to increase your intuition, all that kind of stuff, it's all happening heart chakra and above. So there's this real top-heavy energy that's going on. People come in and they look frazzled. Their energy, to me, looks like a tornado. It's literally very narrow at the bottom and wide up top. It's like spinning around. And that's what they feel like! They feel like they're literally inside a tornado. The thing that fixes that is always to ground. To go all the way to the bottom and then come back up again. It stumps a lot of people how, Okay, if I'm trying to turn on my third eye, I'm trying to turn on my clairaudience, I'm trying to hear my Higher Self, how does walking barefoot actually do that better than meditating or listening to a guided session or something like that. I just find that for me, the stuff that feeds and electrifies and powers the magical stuff is always these really, really simple, physical, real world things. And I am not going to be happy if I'm running around, having visions and hearing voices and all that all day long. Just like with the breath and the waves and the ocean, you have to have these moments of exhalation, you know what I mean? And there has to be pause in between. And so, for me, the one thing that I see everyone doing, as they're trying, trying, trying to be better, is, they are over-complicating it. It's okay to swing into that complexity and into that intellectual rabbit hole, like go there and listen to some crazy stuff, and wow man, get philosophical about it. But then come back to the body. There's gotta be rest. There's got to be a centre. You can't do all that work dehydrated with no sleep and lots of stress in your life. You just can't. Aubrey: No. You'll burn out and then you'll feel very untethered to the reality, which I think that that's probably for me, one of the biggest requests that we have when we're embodied in this life particularly, is how do we become intuitive, realize our intuition, realize our consciousness, evolve and elevate ourselves while equally grounding into this physical vessel that we are also carrying. Slade: What do you hope to contribute to the conversation about wellness and intuition and astrology? You obviously represent someone who is bridging a lot of magical concepts with physical concepts. What do you hope to teach everyone? Aubrey: I think sort of similar to what you just mentioned about people making intuition harder than it needs to be. That I truly hope to teach people that living optimally, whether that be mentally or physically or emotionally or spiritually or socially or financially, and you have these tenets of wellness, does not have to be unattainable. It is all within our reach. Does it require some pivoting and lifestyle changes? Absolutely. Does it require us to dig underneath our stuff and see where we have limitations and barriers? For sure. We have to look at a lot of places where we've held ourselves back, but that doesn't mean that we all don't have the ability or the right to feel optimally well in all areas of our lives, whether it just be from the food that we're eating, or the company that we're keeping, or the way that we're creating, or the work that we're doing in the world. My hope is to be the voice of, We all have this opportunity to be completely liberated in all aspects, and we don't have to succumb to not feeling well in our finances and our physical body, mentally, emotionally. There can be upsets, but we all have the capabilities of writing that in a different story line. Slade: Aubrey, this is so cool to talk to you about all this stuff. Thank you for taking the time to speak with me today. Tell everybody where they can go to find you online and to find this podcast that you're doing. Aubrey: Yeah, thank you, Slade. I love being with you. It always... It fills my cup up. It really, really fills my cup up. Always. Susan and I's podcast is on Be the Evidence, and we are on iTunes and we are on Spotify and Stitcher. So you can find us anywhere, but we also have BetheEvidencepodcast.com That has all of the podcast available on it, and we are in the process of launching a brand new platform for all of the things that I've spoken to you about today. That, hopefully, will be live in the next month. So that would be the best place to find us. And we're also on social media, so on Facebook and Instagram and all of those platforms for the time being. Slade: Awesome. Well tell Susan that I want her to come on and talk to us about astrology, since this astrology theme is going strong. Once again, thanks for being on the show. Aubrey: Absolutely. Thanks for having me, Slade.

In the inaugural episode of the PowerTalks Podcast, host Jack Martin, strategic marketing consultant and founder of Elite Advisor Group, talks with Dr. Roger Ibbotson about his latest research and why financial advisors should consider Fixed Index Annuities as a bond alternative. Dr. Ibbotson is an economist and creator of the iconic "Stock, Bonds, Bills, and Inflation" chart. He is Professor Emeritus of Finance at the Yale School of Management. He is a Member and the Chairman of Zebra Capital Management, LLC. We are also joined by John Holmgren who is the President of Zebra Capital Management.     FULL TRANSCRIPT Suzanne Lynn:    00:01     Welcome to our PowerTalks Podcast, where leading advisors find the fuel to drive their Business Alpha. InsurMark is an advisor development organization. This is the next step in our 35 year history of aligning the independent financial advisor with best of breed resources and services, from a dedicated professional team, product partners, technology vendors, practice management leaders, and business development systems. 00:31     Today, Jack Martin, our Strategic Management Consultant and Founder of Elite Advisor Group will be talking with Dr. Roger Ibbotson about his latest research, and why financial advisors should consider the fixed index annuity, a bond alternative. Dr. Ibbotson is an economist, and a creator of the iconic Stock, Bonds, Bills, and Inflation chart. He is Professor Emeritus of Finance at the Yale School of Management. He is a member and the Chairman of Zebra Capital Management, LLC. 01:05     We are also joined by John Holmgren, who is the President of Zebra Capital Management. And now, let's join Jack and Dr. Ibbotson. Jack Martin:        01:14     Hello, Dr. Ibbotson. Hey, thanks for joining us on the Jay Talks Podcast today. It looks like Yale might win the Ivy League in football again. Roger Ibbotson: 01:23     Well, I'm certainly hoping so, but I'm not gonna be an expert on that although I have attended a game already, so. Jack Martin:        01:30     Yeah, so today what we wanna talk about is your white paper. We wanna talk about Fixed Annuities and Bond Alternatives. You started your career as a Bond Manager at the University of Chicago, right? Roger Ibbotson: 01:45     Yes, I actually managed the bond portfolio at the University of Chicago, and it was a very interesting time. It was a time when bond deals were still rising, but they were about ready to hit their peaks in the early 1980s. And they got into the double digits, so it was an interesting time but not exactly like today, because today's yields are much lower of course. Although we may have the rising yields. Jack Martin:        02:10     Right. So what's your thinking about where interest rates and the bond market are today? Roger Ibbotson: 02:16     Well, you know I think they are really low actually, because bonds have actually, yielding around three percent today. And this is after a long drop in yields from the early '80s when they were double digits, falling all the way to three percent, so it's been a time when people historically have really yielded great returns on bonds. Because during that period of drop, they actually had a high yield, plus they actually got a capital gain from the drop in yields, but the way a bond works is, you get the yield and then when the yield drops, you're practically, you're holding the higher yielding bonds and your bonds go up in price. So, people for decades have really realized not only that yield, but substantial capital gains in bonds. Jack Martin:        03:09     In the title of your white paper, you use the term bond alternatives. So, help our audience understand what that means and why we need to be thinking about those today. Roger Ibbotson: 03:17     Well, you can see why we might need the bond alternative when you think of today's yields now, because now they are at that three percent, where are they gonna go from here? They're much more likely to go up than down. And if they go up, you end up with a yield plus a capital loss. And so you financially have negative returns on your bonds. So, we need an alternative actually, and that's why we looked at this whole situation because we need to look at some other way of actually taking less risk, at the same time getting a decent return. So we need another way to do this, which we don't wanna have capital losses in our bonds, which we might very well have. We need an alternative. Jack Martin:        04:02     Do you think investment advisors and investors generally maybe have a little bit of a blind spot about those bond risks? Roger Ibbotson: 04:09     Well, they do because they've been so used to actually getting positive big returns on their bonds. So, they've viewed bonds as a really a substantial source of returns. But that's not what's gonna happen going forward. Even the three percent is probably a high estimate of what you'll get going forward, because as bond yields rise, you're gonna have capital losses. So, yes they do have a blind spot, and for good reason. They're looking at history, and certainly bonds have served everybody very well, historically. It's just that today, times are a little bit different, and that today at that low yield, you're not gonna get those high returns anymore, and you may even have capital losses. Jack Martin:        04:53     So, is there something in the way that we're wired or is there something behavioral, you know behind why people are still so in love with bonds, based on what you just said? Roger Ibbotson: 05:05     Well, people tend to extrapolate of course. Whatever happened to them last year or last decade, they expect that to happen again. But what actually, you know bonds have a structure to them. You know that's not gonna happen again. We actually know what the yield is today. So when you actually know what that yield is, you know that the only way you're gonna get a capital gain is if the yields fall further. There's not too much further they could actually fall. But they could rise definitely. So behaviorally, people tend to look back at the past and think that's the future. But obviously that's not the case in the bond market. Jack Martin:        05:42     When you were at Ibbotson back in 2007, you wrote a monograph titled, Lifetime Financial Advice, and in that you discussed investing over one's life cycle. So, should investors be concerned about longevity risks with that in mind? Roger Ibbotson: 05:59     Well, they certainly should, and actually you know when you think of the whole life cycle that somebody invests in, actually the insurance can kind of play a role in every piece of it. In the early years, people have steady wage income typically, and they could take on a lot of equity risk. But the other thing they often need is life insurance. So, life insurance pays a role. Roger Ibbotson: 06:21     Now, as you start approaching retirement, you actually have to take less risk and here again, insurance can play a role, and here now we're looking at accumulation annuities, such as FIAs can play a role in accumulating your capital in a less risky way. And then when you get into retirement, annuities can also play a role, because here the retirement people need continual income streams. They can have payouts. They don't know how long they're gonna live though, because that's part of the ... that's what longevity risk is all about. Of course, we want to live for a long time, but if we do there's some chance we would run out of money, and actually the pay out annuities actually help to solve that problem because they pull everybody together, so that each one of us can actually get an income stream for the rest of our lives. Jack Martin:        07:14     So, just to follow up on that, conventional wisdom says that as we approach retirement, we wanna invest a little bit more conservatively. So, what makes those years right before retirement so critical? Roger Ibbotson: 07:26     Well, those years are, we've been saving up for retirement and actually, those are the years to actually have your sort of your maximum financial wealth because as you start into retirement, you start withdrawing from that, and paying for your retirement. Now, if you have a loss when you have the biggest amount of money at stake, that loss actually can ruin your retirement really. So, they're really important years. And that's why we're recommending in general, and I've always recommended, that as you start approaching retirement, you need to de-risk. You need to take less risk in that portfolio, and of course the conventional way that's been done is with bonds. But I guess now, now we have other instruments like Fixed Index annuities. Jack Martin:        08:14     And so, there's been a lot of conversation about those first few years after retirement, and the risks associated with that sequence of returns and those kinds of things. So, are the risks different? Should we have a different perspective on those first few years after retirement? Should we invest a little differently? Roger Ibbotson: 08:33     Well they are especially critical because we no longer have the wage income, and we are actually typically making these withdrawals. So, the combination of having that relatively large financial stake and withdrawals taking place, and then superimposing it on a return, if you have a bad return here, it's actually gonna take a large chunk out of your financial wealth. If you have a bad return much later, it doesn't matter as much because you won't have as much financial capital anyway at that point. Jack Martin:        09:08     We've been throwing around this term, fixed indexed annuities. What is a fixed indexed annuity? Roger Ibbotson: 09:15     Well, first of all it's based on an index and actually, it's based on ... and it's an insurance contract that is participating in an index. So, in our case, we'll talk about that later, but in our case it's actually an equity based index. So, if you participate in an index, like in a fixed index annuity, you're getting the upside of that index. Now, because this is an insurance product, it's actually principal protected. So, as you get the principal protection on the one side that's insured by the insurance company, and you get the participation in the index which could be an equity index, and so you get the positive returns, or part of the positive returns of the equity market, at the same time you have no real downside risk. Jack Martin:        10:07     So, is that what you were talking about in your white paper when you said, "A major advantage of the FIA is the ability of the insurance provider to transform equity returns into a more tailored risk return profile?" Roger Ibbotson: 10:22     Yes. That's exactly it because actually if you think about what people really want here, they want to participate in the equity market certainly, but they're afraid to, and they're naturally afraid to. In particularly they're afraid to as they start approaching retirement. So how do they get that participation while the reason why they're afraid is because they know that stocks can drop, and here is where the insurance company plays such a big role with these fixed indexed annuities, which if you actually had some principal protection, you're not gonna have the losses. At the same time, you're gonna get equity exposure on the upside. So, this is actually a product, fixed indexed annuities that are designed specifically to meet the needs of the investor. And that's why actually we're calling it a tailored product, because it's actually tailored to meet the specific needs of the investor. Jack Martin:        11:23     So there are a lot of investment advisors we've heard, who have a little bit of a bias against annuities. I guess they think FIAs are maybe too complicated, maybe too expensive. Are they right? What are they missing? Roger Ibbotson: 11:41     Well they can be complicated, of course. And the reason why they're complicated is, because they're tailored. I mean, if you buy suits off the rack, you know they're not gonna be as complicated as a tailored suit that is actually designed to fit you real neat. And here, by tailoring it in this case, is principal protection and equity participation, that combination is by its very nature, somewhat complicated, and so any contract that actually gets you that is somewhat complicated. Roger Ibbotson: 12:14     But that's a necessary component of a FIA and it's there for a reason. Now, the other aspect of this is the potential costs, and people have said that annuities can have costs like FIAs. Well let me say that these are really for a long term contract, and the costs are high if you get in and then you get out, and you have surrender charges and so forth. But these contracts are designed for people who can hold them for the whole term, like eight, nine, twelve years, whatever they select. But the whole term. Once they're held for the whole term, the accrued costs each year are not that high. So, the key is that these are for the long term investor, and I think the key is matching them up. In fact, by having trusted advisors here match up the right kind of investor with the FIA. Because once you have the right kind of investor that has that long term perspective, it's actually meeting their needs and the costs are not that high. Jack Martin:        13:23     In your white paper, you talk about an uncapped fixed indexed annuity strategy. What does that mean, and what's the benefit of that approach? Roger Ibbotson: 13:36     Well, we get equity exposure in those fixed indexed annuities and some of them can be capped, and some of them are uncapped. Actually I think the uncapped has the advantage though of participating in equity markets, getting equity exposure during some very big years, and so there are years where you could have very high returns in a fixed indexed annuity, and if you chop that off, of course it's much harder to get a high return by owning a fixed indexed annuity. A lot of the benefit comes in some of these great years, and we don't wanna cap it I guess, because if we cap it, we're not gonna get that benefit. Jack Martin:        14:17     So, in your white paper, you did a lot of modeling of what different investments would look like, what their performance would look like under different scenarios. And I think it's in charts 11A through 11D where you talk about, you know what happens to a 60/40 portfolio, a 60/20/20 kind of portfolio, and if interest rates are rising, if there's market volatility. So, can you talk a little bit about that modeling that you did there, and how it impacts the way we look at assets and portfolios? Roger Ibbotson: 14:53     Yes, we wanted to consider a lot of different scenarios. Of course the stock market can go up or the stock market can go down. And of course, interest rates are looked at, particularly they could be flat and unchanged but they could also rise. So we tried to look at all the combinations of these, and see what would happen to different types of portfolios. And the kind of portfolios we looked at were, well first of all, how would a stock portfolio do and how would a bond portfolio do under these scenarios, but also how we would actually, most of us would wanna put together some diversification in their portfolios. And so we would wanna see how a 60/40 stock bond portfolio would do and how a 60/20/20 where we put fixed indexed annuities in with the stocks and bonds, or just entirely putting in, taking out the bonds entirely and putting in only the annuities in a 60/40 portfolio. Roger Ibbotson: 15:53     Well, we're looking at all these scenarios with the changing interest rates, and the changing stock market. It turns out that adding fixed indexed annuities is generally very favorable. It's mitigating the risk, and for the most part the returns are very good under these scenarios. Except if the stock market drops and you have fixed indexed annuities in the portfolio, that would have that equity exposure, but it will not actually participate fully in the drop of the market because the fixed indexed annuity itself will be principally protected over the two of three years. Jack Martin:        16:33     So, over your career, you've done a lot of work on asset allocation, obviously. How do you think FIAs fit into that traditional asset allocation mix? How do they fit on an efficient frontier? Roger Ibbotson: 16:48     Well, fixed indexed annuities are essentially lowering the risk of the portfolio. And but they're doing it in a way that you're actually getting some equity participation at the same time. So they actually do very well in a portfolio. So the portfolio itself is gonna have less risk as you add fixed indexed annuities to it, and for the most part, as you substitute the bonds out and put in the fixed indexed annuities, we would mostly predict that the fixed indexed annuities would outperform the bonds. So then actually, maybe the kind of the appropriate good storm here, where you end up with potentially less risk but more upside. Jack Martin:        17:30     So it sounds like that's a positive effect on a traditional efficient frontier then right? Roger Ibbotson: 17:36     Well, it's definitely a positive effect, of course an efficient frontier means higher ... you wanna get the highest return at the least risk, and here we're lowering the risk and raising the return, and so that's exactly what you would like as an investor. Jack Martin:        17:51     So, one of your areas of interest over the years has been investor behavior. So with the markets again hitting record highs this year, is greed one of those emotions that can adversely impact pre-retirees? Roger Ibbotson: 18:07     Yeah, I would say it's not only greed. It's actually I would say both fear and greed are the sort of the key ingredients of an investor, because when things are up they wanna be all in, and then as soon as things drop a bit, they get very careful. They would tend to have their own to swing perhaps, with the markets. What we're trying to really do is actually satisfy the behavioral characteristics of people, which I guess we could sum up as fear and greed. So, on the fear side, with the principal protection, once you alleviate that fear, people are actually willing to have some equity exposure. Of course, they wanted that equity exposure when markets are up, and if they didn't get it they get greedy, and they figure, "Well, I should have done that, I should have been in the equity market." But of course when the equity market goes down, they said, "Well, I shouldn't have been in the equity market." Roger Ibbotson: 19:05     Well, you've got that combination of fear and greed which kind of paralyzes people here, and this is what FIAs are really designed to take care of here, because we protect against that fear with the principal protection, and we actually satisfy their greed to some extent by participating with equity exposure in these products. And so, now if the markets are up and they have good returns, they're not upset anymore. Because they can be upset by just not being in the market. And the other hand when the market's down, and they are principally protected then they're upset. So, I said this was tailoring. These products are really tailored to meet the behavioral needs really of investors because they have on their own, they would have very much difficulty in actually taking on equity risk. Suzanne Lynn:    19:59     How prepared are you? Dr. Ibbotson is doing a great job of teaching us about the power of the fixed indexed annuity, and we'll get right back to the podcast in just a second. But, how prepared are you to integrate his research into building a more sustainable business? At InsurMark, we have a proprietary value engineering process that helps growth minded advisors get more out of their life's work. Advisors engaged with us in this process are realizing more client time, more family time, and more value from their business. That's what we call Driving Business Alpha. So check out our Value Engineering video at insurmark.net to learn more. Now, let's get back to Dr. Roger Ibbotson. Jack Martin:        20:47     So, we spent most of this podcast talking to Dr. Ibbotson. I'd like to turn to Dr. John Holmgren, who's President of Zebra Capital Management. John, I understand your firm has developed a new index for us in FIAs. Can you talk a little bit about how that works, and why investment advisors should be considering it? John Holmgren: 21:09     You know, it's right Jack, we have. If you look at the white paper, Fixed Annuities Consider the Alternative, we did that in such a way to make a more academic study, where we looked at a generic index, which would be similar to an S&P500, a large cap generic index on an uncapped basis. And really what we did, is we created the NYSE Zebra Edge Index, which is then utilized in the nationwide new heights platform, to create an FIA that's really harnessing these aspects that Roger was talking about. Particularly the idea of popularity, and we wanna have the less popular stocks that are also lower volatility, which then increases the exposure of the index that can actually be utilized in a risk controlled environment. John Holmgren: 21:58     So, we're using a behavioral financed drive investment philosophy that's designed to avoid and also the exploit the behavioral biases that Roger just talked about. And this is implemented in a systematic way that is designed to dynamically allocate between the equity index as well as the risk control, to maintain that five percent volatility. And in doing that, you know we really created a product which is really designed again as Roger had referenced, for long term investors who are looking to de-risk their portfolios yet participate in the upside of the equity market, while having a capital protection. And that's really kind of what we've done and how this whole process has evolved. Jack Martin:        22:44     So, should investment advisors look at that index a little bit differently than what we were talking about earlier with respect to FIAs? How should they be applying it? John Holmgren: 22:55     Well, it's really in the FIA context, as approaching retirement or in the accumulation phase, the latter stages of accumulation of assets. You know, looking at a way of de-risking. So, again back to the idea of a bond substitute as doing that, where the investor can get again, someone who's willing to invest long term. And I wanna be very clear that these strategies are not for everybody, but they're for longer term investors who are looking at an allocation for a certain time period, and looking also post retirement as well, because as you asked earlier about people in earlier stages of retirement or mid-stages of retirement, we really wanna have a flow of income who cannot withstand a sharp draw down, that's really what this is for. So it really fits into that context. I don't really wanna say that it's a new asset class, but it is an asset class that fits in. You know, somewhat of a hybrid between equity and bonds, giving you the volatility of, similar volatility to bonds but with higher upside potential. Jack Martin:        24:03     Well, this has been really enlightening, and I wanna thank you John, and I wanna thank you Dr. Ibbotson for taking the time to educate us about FIAs as a bond alternative. We also wanna thank Annexus for making the Zebra Capital Team, the new Zebra strategy, and particularly Dr. Ibbotson's work accessible to all financial advisors. And we wanna thank all of you who are listening, and we'll see you soon on the next JTalks Podcast. Suzanne Lynn:    24:31     Well, that was a powerful conversation. We have a simple way for you to get your copy of his white paper, along with info about the nationwide, and the NYSE Zebra Index that John Holmgren talked about. Go to insurmark.net and click on the Ibbotson podcast button. It's that simple. Thanks to Annexus for making Dr. Ibbotson and his research available today. 24:55     If you've got questions about FIAs, insurance, or Driving Business Alpha, please call one of our advisor development consultants at 800-752-0207. Stay connected with future episodes by subscribing today and keep posted on all our offerings by following InsurMark on LinkedIn.  

Berth och jag pratar idag om att kallas till lärjunge. Vi talar om när vi möter Jesus, om hur vår personlighet och erfarenhet används som lärjungar. Vi delar också varsin djupt personlig upplevelse av att ha vänt ryggen mot Gud och hur det kändes. Vi bjuder på skratt och allvar, kärlek och ofullkomlighet.Dagens text:En gång när han stod vid Gennesaretsjön och folket trängde på för att höra Guds ord 2fick han se två båtar ligga vid stranden; fiskarna hade gått ur för att skölja näten. 3Han steg i den ena båten, som tillhörde Simon, och bad honom att ro ut ett litet stycke. Sedan satte han sig ner och undervisade folket från båten. 4När han hade slutat tala sade han till Simon: ”Ro ut på djupt vatten och lägg ut näten där.” 5Simon svarade: ”Mästare, vi har hållit på hela natten utan att få något. Men eftersom du säger det skall jag lägga ut näten.” 6Och de gjorde så och drog ihop en väldig mängd fisk. Näten var nära att brista, 7och de vinkade åt sina kamrater i den andra båten att komma och hjälpa till. De kom, och man fick så mycket fisk i båda båtarna att de höll på att sjunka. 8Då kastade sig Simon Petrus ner vid Jesu knän och sade: ”Lämna mig, herre, jag är en syndare.” 9Ty han och de som var med honom greps av bävan när de såg all fisken de hade fångat – 10likaså Jakob och Johannes, Sebedaios söner, som hörde till samma fiskelag som Simon. Men Jesus sade till Simon: ”Var inte rädd. Från denna stund skall du fånga människor.” 11Då rodde de i land, lämnade allt och följde honom.Luk 5:1-11 (Bibel 2000)Marie Ek Lipanovska, författare och illustratörhttp://www.marieeklipanovska.se

Prästen Berth Löndahl och Marie Ek Lipanovska samtalar om Johannes Döpare som en visselblåsare, om att vara fruktbar i mogen ålder och det andliga moderskapet, om kyrkans roll och vem Jesus är. Vi funderar också över nyandlighet, karma och kallelse.Tidigare sänt den 24 juni 2018 på YouTube.Dagens evangelietext:På den tiden då Herodes var kung i Judeen fanns det i Avias avdelning en präst som hette Sakarias. Hans hustru härstammade från Aron och hette Elisabet. 6De var båda rättfärdiga inför Gud och levde oförvitligt efter alla Herrens bud och föreskrifter. 7De var barnlösa eftersom Elisabet var ofruktsam, och båda var till åren. 8En gång när turen hade kommit till hans avdelning och han fullgjorde sin prästtjänst inför Gud 9var det han som efter den sedvanliga lottningen bland prästerna skulle gå in i Herrens tempel och tända rökelseoffret. 10Allt folket stod utanför och bad medan offret pågick. 11Då visade sig Herrens ängel för honom, till höger om rökelsealtaret. 12Sakarias blev förskräckt vid denna syn och fruktan föll över honom. 13Men ängeln sade till honom: ”Var inte rädd, Sakarias, din bön har blivit hörd. Din hustru Elisabet skall föda en son åt dig, och du skall ge honom namnet Johannes. 14Han skall bli din glädje och fröjd, och många kommer att glädja sig över hans födelse. 15Ty han skall bli stor inför Herren; vin och starka drycker skall han aldrig dricka, han skall uppfyllas av helig ande redan i moderlivet, 16och han skall få många i Israel att vända tillbaka till Herren, deras Gud. 17Och han skall gå före honom med Elias ande och kraft, för att vända fädernas hjärtan till deras barn och ge de ohörsamma ett rättfärdigt sinne, så att Herren får ett folk som är berett.”Lukasevangeliet 1:5-17 (Bibel 2000)

To Sum It Up: This month Dave and Cengiz have two magic sets to comb through, the pirate and dinosaur inhabited Ixalan and Iconic Masters the newest Masters set soon to be released. After that they look into the future of Magic’s Online platform, Magic the Gathering Arena which provides more questions than answers. In Dungeons and Dragons they weigh in on D&D’s E-reader app, September’s Unearthed Arcana featuring two new races, and finally they share their scariest stories from campaigns past. They round out the show with a review of Hero Realms, a unique and fast paced take on deckbuilding games.Time StampsMTG 0:11D&D 39:48Board Games 1:10:35Show NotesIxalanIconic MastersMTG ArenaD&D E-ReaderUnearthed Arcana: Eladrin and GithHero RealmsSocial Links FacebookInstagramTwitterTwitchTumblrYouTubeWebsiteContact Us

Liya will nicht ins Penthouse und mag die Hummel. Yaw dominiert am Kursaal und wird gefeuert. Viel Spaß mit der Episode. Abonniert, kommentiert und bewertet uns am besten mit ★★★★★ auf iTunes. Wir sind neuerdings auch auf Spotify! http://spoti.fi/2BKthKH TOP 3 Verstorbene Künstler, die wir gerne noch Live gesehen hätten. (Yaw) 1. Jimi Hendrix 2. James Brown 3. Amy Winehouse (Liya) 1. Bob Marley 2. James Brown 3. Michael Jackson Unnützes Wissen: Die Hummel ist physikalisch gesehen zu fett um zu fliegen. Sie tut es einfach trotzdem. Tipps der Woche: (Yaw) Coole Bar Korridor Stuttgart Weberstraße 11D, 70182 Stuttgart Künstler ByLwansta https://soundcloud.com/lwansta Jorja Smith X Preditah - On My Mind https://www.youtube.com/watch?v=PA5uuBCtZ5k (Liya) 24.09.2017 Wählen gehen!!! 07.10.2017 Henry Wu (London), Dexter (Stuttgart), Sumo (Stuttgart) - Freund + Kupferstecher 2300 Uhr http://freundkupferstecher.de/event/henry-wu-dexter/ 27.10.2017 Masego + Zelle 60 - Freund und Kupferstecher http://freundkupferstecher.de/event/masego-live/ Danke Moritz! Das Lied das ich suchte war Frank Ocean feat. Andre 3000 - Pink Matter. Besagte Stelle "Thick girls are made for cuddlin' " ab 3:11 min: http://www.jukebox.fr/frank-ocean/clip,pink-matter-feat-andre-3000,x55quz.html

Programa "Hijos de la Luna" dirigido y presentado por José Luis Mateo y María Tortosa con las últimas novedades discográficas y los remembers de siempre. Hoy con la entrevista a Eva Ruíz que nos presenta su "11Días". Emitido en directo el Jueves, 17/03/16 de 21:00 a 21:45 h. a través de esmiradio.es Lo puedes escuchar en directo de Lunes a Viernes de 21 a 22 h. a través de Internet en http://www.esmiradio.es o también en directo a través de Tune-In o iVoox. Consulta nuestra programación en www.esmiradio.es Contacto: programahijosdelaluna@gmail.com