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Erick joins The PodCASP to give updates on ACQ and recent developments! https://autismcommission.org/
L'Alberta fait les yeux doux aux travailleurs de la construction québécois, formés aux frais du Québec, en leur offrant d'alléchants avantages fiscaux pour qu'ils déménagent dans leur province. Tout ça sur fond de pénurie de main-d'œuvre et de surchauffe immobilière. Entrevue avec Guillaume Houle, responsable des affaires publiques de l'Association de la construction du Québec ACQ.Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Une visite réussie pour Gabriel Attal | L'armée israélienne se prépare à une attaque «directe» de l'Iran dans les 24 à 48 prochaines heures | L'Alberta fait les yeux doux aux travailleurs de la construction québécois | Le roi du BBQ partage ses recettes de feu | Dans cet épisode intégral du 12 avril, en entrevue : Philippe Lapointe, expert du BBQ et auteur du livre « Jouer avec le feu autour du monde » . Sami Aoun, Directeur de l'observatoire du Moyen-Orient et de l'Afrique du Nord à la Chaire Raoul-Dandurand. Guillaume Houle, responsable des affaires publiques de l'Association de la construction du Québec ACQ. Une production QUB Avril 2024Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
In this latest episode of Contracting Conversations, Scott and Jim talk with Chuck Brackenhoff, the Learning Asset Manager for ACQ 265, the Mission Focused Services Acquisition Course. He discusses the layout of the course, through the Seven Step Services Acquisition Process, which includes a simulation that weaves through all seven parts. This is a great course for all functionals to take and over the course of this year, we will help you to learn of all the multi-functional courses DAU provides.ACQ 265: https://icatalog.dau.edu/onlinecatalog/courses.aspx?crs_id=148 Credentials home page: https://www.dau.edu/credentialsBack to Basics: https://www.dau.edu/back-to-basics; BtB Contracting: https://www.dau.edu/functional-areas/contractingProgram Management Community of Practice: https://www.dau.edu/cop/pm Contracting Community of Practice: https://www.dau.edu/cop/contractingIf you are watching this video on DAU Media, but rather watch on YouTube, go to https://www.youtube.com/channel/UCbF8yqm-r_M5czw5teb0PsAApple Podcasts: https://podcasts.apple.com/us/podcast/contracting-conversations/id1621567225
Le ministre du Travail va bientôt déposer un projet de loi dans le but d'aider l'industrie de la construction à « mieux répondre aux besoins des Québécois ». Entrevue avec Guillaume Houle, porte-parole de l‘Association de la construction du Québec (ACQ).Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Les votes de la FAE plus archaïques que jamais, la dégringolade de la CAQ se poursuit, le REM ne fonctionne jamais convenablement, les écrans ne sont pas le diable et les gens de Séville trouvent Jésus trop efféminé. Dans cet épisode intégral du 30 janvier en entrevue : Shawn Young, président et cofondateur d'Entreprises pour le développement des technologies éducatives au Québec (Edteq). Rémi Nadeau, Chef de Bureau parlementaire au Journal de Québec et au Journal de Montréal. Luc Mathieu, président de l'Ordre des infirmières et infirmiers du Québec. Guillaume Houle, porte-parole de l‘Association de la construction du Québec (ACQ). Une production QUB Janvier 2024Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Chris Merkel sat down with Jim and Scott to discuss CBFM 002, Industry Financial Business Acumen Credential. The credential provides DoD Acquisition professionals a deeper understanding of how Industry supports DoD. This credential will address the operational, financial, and decision-making aspects of doing business with DoD where the Business Financial Manager is involved in the process from beginning to end. Prof Chris Merkel talks about the multiple learning assets involved and more details for the benefit of interested acquisition professionals, to include the DoD Contracting Workforce. CBFM 002: https://icatalog.dau.edu/onlinecatalog/CredentialConceptCard.aspx?crs_id=95BFM 2750V: https://icatalog.dau.edu/onlinecatalog/courses.aspx?crs_id=13005ACQ 315V: https://icatalog.dau.edu/onlinecatalog/courses.aspx?crs_id=12392 ACQ 315: https://icatalog.dau.edu/onlinecatalog/courses.aspx?crs_id=1942 Back to Basics: https://www.dau.edu/back-to-basics Business Financial Management Community of Practice: https://www.dau.edu/cop/fmContract Cost, Price and Finance Community of Practice: https://www.dau.edu/cop/pricingContracting Community of Practice: https://www.dau.edu/cop/contractingIf you are watching this video on DAU Media, but rather watch on YouTube, go to https://www.youtube.com/channel/UCbF8yqm-r_M5czw5teb0PsAApple Podcast: https://podcasts.apple.com/us/podcast/contracting-conversations/id1621567225
Join us in an engaging podcast session with Erick Dubuque, Ph.D., LBA, BCBA-D, Director of the Autism Commission on Quality (ACQ). In this episode, we focus on the pivotal role of accreditation in enhancing the quality of Applied Behavior Analysis (ABA) practices.Highlights of the Discussion:1. The Role of Accreditation in ABA Practices: Erick Dubuque shares his insights on how accreditation by ACQ contributes significantly to the standardization and improvement of ABA practices. The discussion delves into the processes and criteria involved in ACQ's accreditation.2. Ensuring Accountability with ACQ Standards: We explore the importance of ACQ's standards in maintaining accountability across the ABA field. Erick talks about the challenges of implementing these standards and how ACQ works to ensure they are effectively met.3. The Impact of Third-Party Auditing: Erick emphasizes the value of third-party auditing in the accreditation process, detailing how it aligns with ACQ's core values and mission to uphold the integrity and quality of ABA services.4. ACQ's Mission and Influence on the ABA Industry: The podcast highlights ACQ's mission and its transformative impact on ABA practices. Erick shares examples of how ACQ's initiatives have led to positive changes in the field.Sponsor Acknowledgment: MarginKeepers, Co.This insightful episode is sponsored by MarginKeepers, Co., specialists in supporting ABA practices through their comprehensive financial, consulting, and tax services. MarginKeepers, Co. provides:- ABA Accounting: Expert financial management tailored to the needs of ABA practices.- ABA Business Consulting: Customized consulting services addressing the unique challenges of ABA practices.- ABA Tax Service: Specialized tax services focused on compliance within the ABA industry.To explore how MarginKeepers, Co. can assist your practice, schedule a free consultation at https://3piesquared.com/business-affiliate/MarginKeepersFor additional insights into the work and impact of ACQ in the ABA field, visit https://autismcommission.org](https://autismcommission.orgTune in to this episode to deepen your understanding of ACQ's role in elevating the standards of ABA practices and discover how MarginKeepers, Co. can enhance your business operations.
Jake Medwell and Joe Lynch discuss the 8VC story. Jake is a Founding Partner at 8VC, an early-stage venture capital firm headquartered in Austin, TX with offices in San Francisco, New York City, and Boston. About Jake Medwell Jake is a serial entrepreneur and venture capitalist who has spent his life building and scaling companies. He is a co-founder and partner at 8VC, a 6B AUM venture capital fund based in Austin, TX. 8VC is the leading logistics tech investing firm and has led deals in Project 44, Deliverr, Platform Science, FlexPort, FreightWaves, Motive, Trackonomy, The Boring Company, Outrider, and others. Prior to 8VC, he founded Humin (Acq. Tinder/IAC), a consumer mobile software company where he built the engineering team and led growth. Jake also co-founded The Kairos Society, where he sits on the Board of Directors. While in college, he founded Solé Bicycle Co. (Acq.) and grew it into an industry leader. Most recently he co-founded Operation Masks with partner Drew Oetting to help bring PPE to medical workers on the front line of the fight against COVID-19. Jake serves as an advisor and board member to a wide range of companies and nonprofits. Jake graduated from the University of Southern California in 2011, where he has been lecturing on entrepreneurship and technology for the last decade. About 8VC 8VC is an early-stage venture capital firm headquartered in Austin, TX with offices in San Francisco, New York City, and Boston. 8VC partner with entrepreneurs to build technology platforms that create long-term economic and societal value. 8VC was built by a team of entrepreneurs, engineers, investors, and philosophers who value operating experience and action, as well as new ideas and creative theories. The partners have a proven track-record as founders of successful companies including Palantir, Addepar, Affinity and OpenGov, among others. The firm invest primarily in smart enterprise platforms across industries including financial services, healthcare, logistics and others, and Bio-IT. For more information, please visit https://8vc.com Key Takeaways: The 8VC Story Jake Medwell is a Founding Partner at 8VC, a technology and life sciences investment firm that builds and invests in the world's most ambitious companies. In the podcast interview, Joe and Jake discussed the state of the logistics industry and the founding of 8VC. 8VC is an early-stage venture capital firm headquartered in Austin, TX with offices in San Francisco, New York City, and Boston. Jake and 8VC team are knowledgeable and very active in the logistics space. 8VC has invested in platforms that help logistics companies become modern data enterprises. Key applications include streamlining resources, fleet operations, and finance; leveraging telematics for better performance, and, in special cases, building ambitious, next-generation forms of transportation. 8VC portfolio companies in the logistics space include: Deliverr, Flexport, Project44, Baton, HDVI, FreightWaves, Loop, Vector, The Boring Company, Platform Science and many more. Learn More Abou The 8VC Story Jake on LinkedIn 8VC on LinkedIn 8VC Interviews conductedwith 8VC: The HDVI Story with Chuck Wallace Ocean Freight Survival Guide with Nathan Strang Avoiding Port Congestion with Neel Jones Shah Eliminating Detention and Delighting Drivers with Erik Malin Will Chu and the Vector Story The Logistics of Logistics Podcast If you enjoy the podcast, please leave a positive review, subscribe, and share it with your friends and colleagues. The Logistics of Logistics Podcast: Google, Apple, Castbox, Spotify, Stitcher, PlayerFM, Tunein, Podbean, Owltail, Libsyn, Overcast Check out The Logistics of Logistics on Youtube
Michael Binyon, éditorialiste au quotidien britannique The Times, analyse la démission de Liz Truss au Royaume-Uni; Anita Anand, ministre de la Défense nationale, parle de l'annonce d'un investissement de 3,7 milliards de dollars pour fournir l'armée en équipement de combat; et Marc Cadieux, président et directeur général de l'Association du camionnage du Québec (ACQ), se penche sur les conséquences des travaux dans le tunnel Louis-Hippolyte-La Fontaine pour les camionneurs.
Link to bioRxiv paper: http://biorxiv.org/cgi/content/short/2022.09.11.507297v1?rss=1 Authors: Tran, T. D. B., Nguyen, H., Sodergren, E., Center for Systems Neurogenetics of Addiction,, Dickson, P. E., Wright, S., Philip, V. M., Weinstock, G. M., Chesler, E. A., Zhou, Y., Bubier, J. A. Abstract: The gut microbiome is thought to play a critical role in the onset and development of psychiatric disorders, including depression and substance use disorder (SUD). To test the hypothesis that the microbiome affects addiction predisposing behaviors and cocaine intravenous self-administration (IVSA) and to identify specific microbes involved in the relationship, we performed 16S rRNA gene sequencing on feces from 228 diversity outbred mice. Twelve open field measures, two light-dark assay measures, one hole board and novelty place preference measure significantly differed between mice that acquired cocaine IVSA (ACQ) and those that failed to acquire IVSA (FACQ). We found that ACQ mice are more active and exploratory and display decreased fear than FACQ mice. The microbial abundances that differentiated ACQ from FACQ mice were an increased abundance of Barnesiella, Ruminococcus, and Robinsoniella and decreased Clostridium IV in ACQ mice. There was a sex-specific correlation between ACQ and microbial abundance, a reduced Lactobacillus abundance in ACQ male mice, and a decreased Blautia abundance in female ACQ mice. The abundance of Robinsoniella was correlated, and Clostridium IV inversely correlated with the number of doses of cocaine self-administered during acquisition. Functional analysis of the microbiome composition of a subset of mice suggested that gut-brain modules encoding glutamate metabolism genes are associated with the propensity to self-administer cocaine. These findings establish associations between the microbiome composition and glutamate metabolic potential and the ability to acquire cocaine IVSA thus indicating the potential translational impact of targeting the gut microbiome or microbial metabolites for treatment of SUD. Copy rights belong to original authors. Visit the link for more info Podcast created by PaperPlayer
Entrevue avec Guillaume Houle, porte-parole de l'ACQ - L'Association de la construction du Québec ACQ : avec l'arrivée des élections cet automne, l'ACQ en profite pour réaliser leur demande. Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Segment éditorial d'Alexandre Moranville-Ouellet et entrevue avec Tania Longpré, Didacticienne, doctorante, chargée de cours, enseignante et consultante en francisation : Air Canada recherche maintenant des professeurs de français pour ses employés. Chronique sports avec Mathieu Boulay, journaliste sportif au Journal de Montréal et Journal de Québec : Omnium Banque Nationale. La rencontre Pagé-Villemure avec Julia Pagé et Rémi Villemure : qu'est-ce que nous dit l'attitude de François Legault face à la situation avec Marie-Eve Proulx? Justin Trudeau aurait passé plus de temps en avion durant le mois de juillet que durant l'entièreté de l'été dernier. Entrevue avec Guillaume Houle, porte-parole de l'ACQ - L'Association de la construction du Québec ACQ : avec l'arrivée des élections cet automne, l'ACQ en profite pour réaliser leur demande. Une production QUB Radio Août 2022 Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
In 2022 the Autism Commission on Quality (ACQ) launched organizational standards to improve the quality, effectiveness, and outcomes of applied behavior analysis services for individuals and families negatively impacted by autism. Dr. Dubuque helps us understand what this means for our field. Why listen? ACQ origin story: learn about the process for developing the standards, what they are, and why they were chosen Accreditation's signaling value: what role does accreditation play more generally in health care and other disciplines? What role does accreditation play in ABA? Why choose ACQ vs. others? What to expect: Learn how to build a strong organizational foundation to maximize chance of accreditation success
Richard Epstein is our returning guest. Richard is an American legal scholar known for his writings on torts, contracts, property rights, law and economics, classical liberalism, and libertarianism. He is the Laurence A. Tisch Professor of Law and director of the Classical Liberal Institute at New York University, the Peter and Kirsten Bedford Senior Fellow at the Hoover Institution In this episode we talked about: Richard's View on Lockdown Moratoriums on Evictions Policy Responses to Covid Pandemic Check here the previous show with Richard: https://workingcapitalpodcast.com/the-impact-of-rent-control-and-eviction-moratoriums-with-richard-epsteinep52/ Transcriptions: Speaker 1 (0s): Low everybody. Okay. So this week, and next we're going to do something a little bit different and we're having on returning guests, Richard a Epstein. If you saw his old episode, we talked quite a bit of boat, eviction, moratoriums, and a bit of a history of rent control. And I thought this week, and next we would talk a little bit more about the actual pandemic and COVID-19 in general, talk a little bit about its impact vaccine mandates and kind of the political landscape in Canada and the U S so I thought Richard would be a perfect guest for that. He's practiced law for over 40 years. He's a legal scholar, and I believe still working with the Hoover Institute and New York university. So without further ado, check this episode out. And I should just note, if you liked this episode, feel free to go to working capital podcast.com. You can also download our financial model at that address. Okay. Check it out. All right, ladies and gentlemen, my name's Jess for galleon, you're listening to working capital. We have a returning guest on the show. Richard Epstein. Richard is an American legal scholar known for his works on contracts, property rights, law, and economics towards classical liberalism and more. He is the Lawrence eight-ish professor of law and director of the classical liberal Institute at NYU and Peter and Kirsten Bedford senior fellow at the Hoover Institute. Richard. Good to have you back. How are you doing, Speaker 2 (1m 27s): Thank you. I'm in given the set of the circumstances in the larger world. Speaker 1 (1m 31s): Yeah, it is a, a lot has happened since we last spoke. We currently in, in the city of Toronto are back in a modified lockdown, which fingers crossed is going to be something that opens up on the 26th. I think today we had teachers going back to school, but then it was a snow day. So can't get more Canadian than that. Speaker 2 (1m 50s): Well, snow is no surprise. Look, the, the good news is, and this is a result largely and natural forces is one of the rules about viruses is what goes up, must come down. And it turns out the Alma chronic virus now seems to be on its downward slope a little bit earlier than some people expected. My view about this, is that the way in which we have handled the entire COVID situation? It means we're not talking about pandemics that in cleanly, we're talking about cyclical arrangements or endemics, and it's just going to be very difficult to predict aid the length of the cycle, be this intensity of the cycle and three, the severity of the disease that comes with the intensity of the cycle. And so, I mean, if we are going to continue to have a kind of a lockdown mode mentality as the first alternative, it's likely we will be continuing to face this with COVID for the indefinite future. I mean, the notion that people had when they postponed their admissions to college or to law school in 2020, we'll be out of this by 2021, nobody postpones today because they think they're going to be out of it next year, or what's also happened. And I think quite justifiably is nobody has any competence whatsoever in today's experts who believe in only the science and all the science that nobody seems to think that that's true, or if it is true, then science is very, very bad. So there's going to be an increasing level of popular discontent that's likely to spill over. And I know in the United States, one of the things that will lead the Democrats into serious difficulties was that Joe Biden overclaim when he says, I know the cure to cancer at the cancer at the COVID and made the silliest recommendation imaginable where a mask outside, where they don't do any good for a hundred days, and this thing will stop. Nobody's going to believe that. And when you overclaim and under produce, your credibility is shot not only in the field that you bungle, but everywhere throughout. So the COVID performance ratios will influence not only the COVID issues, but the general coloration of the political economy. Speaker 1 (3m 51s): So on that point, I think when we last spoke, we talked a little bit about the history of rent stabilization. We talked a bit about how the COVID policies affected the real estate development community as a result of the moratoriums on, on evictions. How do you see from the, you know, the time we last spoke to the cases that have now come forward in, in your Supreme court with, with mandates, how have you seen this thing evolve from when we last spoke to now with this latest variant kind of coming through both the states and Canada? Well, Speaker 2 (4m 25s): It turns out there's a twofold issues are that you have to contend with one, there are the various sort of legal arguments associated chiefly with administrative and constitutional, or that people bring to bear in the discussions about the COVID mandates talking largely in terms that are independent of the substantive merits of the program. And then there's the other way where it says, let me just look at this vaccine, let me look at the underlying disease. Let me look at the available treatments and so forth, which take a much more medicalized view or the way in which it's commonly dealt with. And it was the way it was dealt with in the Supreme court is they did it in the first way. They were straight administrative lawyers. And with respect to the grand mandate, what they discovered was that the key issue was what sort of presumptions do you set in favor of or against government action, or there was an interesting conflict of authority with respect to this mandate. The general rule with respect to ocean mandates is there's a lot of administrative deference for, but the general rule with respect to these emergency situations that apply only in grave times is that the presumption is set against them in the two decisions down below in the fifth and the sixth circuit, one of them is centered in Texas, the other and Ohio, the fifth circuit basically said, oh, this is the narrow COVID emergency problem. The presumptions are against you. You lose, you get up to the sixth circuit and they say, oh, this is a general administrative law problem. The presumptions of seven, your favor, you win. When it got to the Supreme court, what they essentially did, they decided to stay with the skeptics on this issue. So they required very strong proof on this particular issue. And what they then found is that for something which was of this importance, it could not be done by an administrative fee that it required something that looked more like congressional authorization. Now notice when I said that, I did not tell you whether the COVID thing was a good or a bad or in different ideally a mile understanding about most academic lawyers is that they are extremely skiddish in dealing with the underlying science. And so what they do is they tend to move their cases sharply in the other direction. I'm not a constitutional lawyer by initial training. I was changed in the English system. I started off as an Oxford lawyer and my torts casebook was actually prepared by a Canadian law professor named sessile, right? So I mean, it wasn't as though I was a stranger to all of this. And so we tend to not to start with administrative law. We started with Commonwealth when I came back to the United States. What I discovered quickly is that while the paradigmatic towards case of 1964 was one that involved an automobile collision at an intersection, you had to figure out who had the right of way. You can see what the rise of product liability law. We are now painting on a much wider canvas. We had starting to talk about medical injuries associated with Des and similar quantities. And I was told by some very smart lawyers, they said, young man. And I was young at the time. They said, if you want to understand how to defend or deal with any one of these cases, you must master the science. Now they didn't say you had to do the signs because you can't do that. But they said, it's like punching in the air. If you don't know what's going on. If you're talking about Des you're talking about asbestos and so forth, and I basically drank the Kool-Aid, I had a reasonably good, not spectacular science background. And so I've always made it a point to start in the opposite direction. And so I keep up regularly on that literature. I do it with respect to global warming. I do it with respect to the various kinds of health conditions of which COVID is only one. And at that particular point, you start thinking about this case, Jesse, in a very different way, you say, well, the first thing you want to know is what's the upside and the downside with respect to the various kinds of programs and the insight that I started with a long time ago in which I made a spectacularly wrong prediction under a thoroughly, right analysis, was that you look at this stuff and you start with 1918 and the Spanish flu, it killed 675,000 people, usually in a one day spurt. And then you always ask people, how long did this last? And do you know how long it lasts? I bet you, it was nine weeks, nine weeks, nine weeks. And virtually everybody who died was in the prime of life. And they died ultimately of pneumonia because of what they call a cytokine rush, which is healthy. B people, seeing the virus try to set out the killer fluids, do it. And what they did is they drowned. You might literally, and we know much more about it today. We could a control for these things, but virtually the entire new movement is completely different from the old one. This is something that affects people who are relatively old with serious comorbidities and anybody under 60 has only a meniscal chance of dying, unless they also have some very serious kind of comorbidity. So it's a completely different kind of profile. And so what you kind of guessed it, looking at this sort of thing is if you sort of let it run, its course, it would go up and it would come down Shaw. But since it didn't have the potency associated with the Spanish flu or the death rates would be very much slow, then that's the way I thought about it. I looked in the New York times and I looked also with respect to the Imperial college situation. And they have the following projections that they set up by the media, by July 15th, 2020, we will have 10 million active COVID cases in the United States and a similar proportion in Canada and in great Britain. And if you talk that the chart, it said as of July 1st, it would be relatively modest. And I said to myself, this has to be crazy because of everybody knows that this isn't just going to come at that particular level and they're going to take precautions much earlier on and they will be holy without regard to government action. A lot of the adaptive behavior. There's no point in engaging in strategic games. The bluff of your own life is at stake. And what you saw on March 9th, the day before this thing, and you know, everyone, transportation was down by 78%. Now people are taking all sorts of strange. I had that patients when they went to restaurants, this bumps and all the rest of that stuff. And you realize that these adaptions were going to take place. The government comes in and makes it more dramatic. But the projections that you actually had was the first peak that not come on, July 15th, 2020, it came on April 9th or 10th in 2020. And it was follower than anything that anybody had predicted what the predictions were extremely dangerous at that high level, because people tried to gear up for something that was going to be just absolutely enormous. And so one of the things they did in New York city and several other major metropolitan areas, they said, we're going to have such an onslaught of people in the hospitals. We have to take people who are COVID positive and move them out. So they moved them back into nursing homes where they probably cause an extra 30,000 best simply because you took a very potent person and put them into an environment where there were a lot of variable honorable people. And what they then did is they opened up in New York city. The jab had sent the, you know, thousands of beds. The Trump administration sent a bunch of hospitals, ships, and none of it was ever used. Right? And all the people who made those projections 16 months later, essentially apologized for the fact that they were very, very wrong, but the interim damage had been done. And once you start to intervene, the natural cycle that you had in 1918 is not likely to continue. What you're going to do is when you create an artificial foreign team, you slow down herb immune. So I did some calculations. If you're curious, tell me if you're not well, it's 675,000 deaths. And that was essentially a two and a half percent death rate out of people who got the disease, which was putting it around 20 odd million people coming out of this stuff that doesn't get you to herb immune gossip, because you need to get the 60%. Well, we got there because it was a pretty rapid prop and some of my guests, and I'm not assigned this, but I am a structuralist is that there were a lot of asymptomatic transitions, which created an immunity, even though it didn't create a disease. And this is consistent with something you have to understand in dealing with COVID, which is you just don't talk about medians. You have to talk about the bearings. And that means in effect that disease like the deadly Spanish flu is relatively innocuous for say 95% of the population that gets it. There may be some people don't die, but get very sick and so forth. And the herd immunity took effect and it slows things down. We don't have her. So I remember waking up one day in about may or June. And I said, oh my God. So long as we protect a large portion of the population, it means that we're not going to get the herb immunity. And the next time a new variant comes along, it's going to have a highly vulnerable population because it turns out, and this is, I think a point that's been well-established, but systematically ignored is that natural immunities are extremely effective in terms of dealing with the condition of my friend, Jay bought the Charia who's collected and read all of these studies. I have not, you know, it says there's not a single identification of a breakthrough case in either direction. And nobody who has natural immunity has ever been seen to give the virus to anybody else. And nobody who has natural immunities has been seen to get the virus from anybody else. So you get a perfect wall. Well, at that point, what you want to do is when you start seeing natural immunities is you'll let them ride. But when I made my terrible predictions very low and then try to correct them, what everybody said is you have to understand that people who are asymptomatic and give you COVID. But again, the key thing to understand is the distribution. And so you have to do it in, let's just do it in discrete terms because the continuity's don't matter for the well, so now you have either very high resistant people or very low resistant people. Okay? And you have you the very powerful, very weak viruses. And so you start looking at the parents and if you have essentially a very high resistance rate, you can carry in you a very high dosage of stuff and not get sick. And then when you transfer that some to somebody who has a low resistance state, you can actually give them the disease, the question your then have to ask what's the probability of that happening, as opposed to the other distribution, which has people have ordinary levels, they get the week COVID stuff. And then they transfer the week COVID stuff, all of the people who condemn asymptomatic transplant at the high high to the low load person, that was probably 2% of the case. That means that 98% of the cases are doing what they did in 1918. I used spreading the immunity asymptomatic so that you come to a conclusion much more quickly. If you would ignore the second tab and only worry about the 2% you are going to ban the transfers. If you take the whole hundred percent of the distribution into account, you're not going to do that. What you'll try to do is isolate two kinds of specialized cases. If by some miracle you could figure out who is a very high resistant high transmitter type. You try to keep them out of circulation. And if you could certainly identify vulnerable populations, which you can, you try to keep them out of circulation. So they appointed a COVID test would not be the test that driver coming from Canada to the United States will reverse something. You mentioned happened to me before the show. It would be that you will not let the grandkids visit the grandmother. If it turns out that she was in the COVID vulnerable portion. And so you'd get private administration of the cases in an effort to enforce this policy. And I'm all in favor of that. But when we do it, the other way, what we say is we forget the probabilities. We forget the benefits side. So we systematically overregulate as far as I'm concerned. And I think that the folks who did the great Barrington declaration, Jay and one called door, what probably not, probably pretty surely write about all that stuff. Although interestingly enough, they didn't do the probabilistic analysis either. Right? What they did is they just said, this stuff generally works. And what I try to do, knowing a little bit about games, theory and so forth was to figure out why they were right. Not to figure out why they were wrong. And I think they are right with respect to their general conclusion, but then you get everybody up. So that's the first mistake they made. Second mistake is X. And they post, you can try to attack these things in two ways. One is you can try to stop it from happening until you can try and cure it after it happened. Right? And it turns out there's no dominant solution that is you're not going to do only one or only the other. You want to get the optimal mix. So what's the advantage of doing it. Soon. You can spare people. The illness what's the danger is you have wild over breath, because if you're talking about protecting 0.1% of the general population and so forth, you stop Miami. But the ex post situation says this. If you get sick, we're going to treat you. And the advantage of that is if you get it in time and know how to do the treatments, what you do is you have to now tackle 1% of the population instead of a hundred percent of the population you don't need to quarantine. You certainly don't want to give any medication to people whom you think is going to be asymptomatic. What slide, which means that virtually everybody under 40, probably 50 or even 60 doesn't get any kind of treatment except maybe some HCQ ivermectin and kind of stops it. The question you have to ask is safety. You have to ask effectiveness, okay, Jessie, on the safety stuff, it doesn't matter what you use a drug for both of these drugs have been out there for a very long time with billions of usages. There's a kind of an epic, epidemiological and FDA and drug type situation, which says the acid test for any drug is, do you give it to a pregnant woman? And the reason is during the first trimester of pregnancy, the rapid levels of cell differentiation can be easily interfered with, by some foreign substance resulting in something like the food over the mind flips, right? And it, both of these drugs have been recommended and found safe for women who are pregnant, chances are there's going to be no subgroup of the population for whom they're going to be especially vulnerable. And we don't have clinical studies of a hundred or 200 people. There have been hundreds of millions in the case of ivermectin billions upon applications, but which the safety has never been questioned. So what's the downside. Well, it turns out Mr. Fallacy, who I think is a terrible master on this particular study. He says, well, you may get some kind of hard complications, but he's talking about extremely low numbers, one in 10,000 or so for the relatively minor conditions. But the overall profile on the safety is long use establishes general say, well, what about effectiveness? And I'm here. I like the Pope Rhett Butler, frankly. My idea, I don't know, but I don't give a damn. And what do I mean by that? Well, let's suppose the thing is effective. What will happen is people will quickly use it. And when you measure effectiveness, it's a completely different inquiry from measuring safety, with safety. You're worried about, you know, that kind of, oh my God, this is going to take you from 0.1 to 1.4, 1.0 adverse effects. You make, take a drug off the market when you get things like that. But if you can sell a drug, that's going to have a 1% effectiveness and nobody's going to buy, I possibly going to buy a drug, which can take you from a 2% cure rate to a 3% cure rate. So the effectiveness stuff has to be much larger to make it worthwhile. And then when it's much larger, it's much more easily detectable, right? Because we have 40% rate you can do. So the key thing is to let this stuff out there and then to get essentially a quantitative assessment. Well, what did we do? Well, first we have the phony subjects that were done in Lancet, right? Edited. It should have been filed five because of the recklessness moves. You'd put his vote, but since he was anti-Trump, he was perfectly okay. And they had to retract that and they did. And then there was a Ford study in the news, and then the journal of medicine, they had to retract that because it turns out clinical studies are extremely difficult to do with viruses because essentially the theory of both ivermectin and HCQ is you have to catch it at a very early stage that prevent the things from breaking through. Once they broken through, it's useless to give the drug and it may have a slight negative effect. So if you don't get the right controls on this, you can't do it most critical studies. You know, people in a third degree, third stage cancers or something, you can begin everybody on April 15th and this drug, you have to do it on very different dates. And you have to have a physician who can record the accuracy. Well, this is extremely difficult to do through an organized clinical trial. And so what happens is people start to put together these various kinds of indices recording, all the cases that have come through my all sorts of people, this, by the way, in the United States and it's worldwide is the common way. Nobody trusts formal government warnings. They're too rigid, too stiff, too out of date. So they do is they form voluntary associations and they collect the information and then they organize it and update it and give you recommendations as to which drugs and what combinations at what sequence at what those images at what time. And self-worth in an effort to do that. And so what you need to do is to encourage that ex-post collection rather than to rely on clinical trials. And then it's also, if this is a game of trying to get advantages, you have to have a theory. And what happens is it turns out there is a general theory that says, zinc is a very powerful agent for doing this, but if you give it alone, it's not going to work. And so I have to do is you have to give them some other drug as this role might as soon as something which prevents in probation, and then you have to give them something else. The HCQ in order to make sure that you can find a way to protect those zinc from being wiped out. So they're kind of tripartite situation. You're not going to ask me to tell you everything about it. I don't know enough about, but what you do know is the way in which this stuff ex-post works is it does not depend simply on trial and error because trial and error, cherish Jeffries, Jesse is too slow. What it does is you got a theory that zinc in this combination has worked in other cases, and then you carry it over. Now, is this something which is just done for this, you know, or there is a wide class understanding of what we call off-label drug uses. I don't know if you're familiar with the term, but essentially it gets approved by a government agency. And then once it's on the market, a doctor could use it for any other condition that he or she wants to do it. And in the United States where the numbers are pretty good, for many cancers, off-label uses are dominate. On-label uses by five to one 10 to one ratio or whatever it is. And all of this is outside the formal system. It becomes the standard of care for malpractice, the standard of care for insureability and forth. So you get this back culture what's happened here is they're killing this off with respect to this drug. And they're saying, if you go through the clinical trials or we're going to go after you. And so, you know, the last blog that I read said, you can only get ivermectin in the United States. If you get a court order, they're killing the off-label mark, right? So now you kill off the ex post market. It puts greater pressure on the ex-ante market and you start getting these quarantines. But if you understood what was going on, it turns out that some people might be good targets for HQ, some not, but by having this thing on the wraps for the last 18 or 19 months, it means that you don't get the aggregate data, which will start to tell you whether or not there are subpopulations that are especially prone to damages with this or 72 real advantages for trying to use it. What we do now is the same point I said before, everything is a matter of Marion's right? Same block won't have the same effect on more people and the larger, the samples that you get, you can do it, and you're reasonably happy to do this because you know that for all of these subsets, the negative side has been ruled out by the extensive use that has happened before. So this is the perfect case for running that situation. Then what we do is everybody wants to do basically become German autocrats. You know, the famous Maxim in German, I will say it in English because my German is terrible. At least today, all of that is not required as forbid or all that is not forbid and as required required, there's nothing left the choice. What this means is once we decide, this is a very good vaccine, everybody's got a tick. Yep. But again, what have they done? They've ignored the variants, which is the key. Speaker 1 (25m 31s): I want to ask you about that. So we've been kind of going through this process back to the extreme again, I think we talked before about us in Ontario, Canada being in lockdown again. Now what we have seen from businesses, chamber of comments, commerce, I think announced today that the biggest thing that's killing us right now from a business standpoint that can be in real estate or business in general is the uncertainty of what the government is doing when we're supposed to come back in any clarity. Originally, the vaccines, my understanding was that, you know, it was the target was to actually stop, you know, flatten the curve and then it had shifted. And now the conventional wisdom we're told is that it is you're, you're far, far more likely to end up into the, in the ICU or the hospital, if you are not vaccinated. Now in Canada, I believe double vaccination is at 82% as of right now. So I think Mo majority of Canadians do want to get vaccines. However, just to your point, natural immunity was, was almost a word you couldn't use words you can say a year ago. And it's interesting to me that I had COVID over the Christmas break and mail, like, God, Speaker 2 (26m 44s): Yeah, there you go. Giving it Speaker 1 (26m 46s): To each other. We might have. And what I find funny is that you have the congressional hearings in your country that just happened in the Supreme court cases. You have policymakers saying one thing, but I called the U S embassy about cause I'm flying to Florida next week. And basically they they've said just like Canada has, as long as I give them a positive test. I think the us needs a physician to show that you have recovered. Now you can cross without a molecular test. So to me that says that it's admitting natural immunity from a policy standpoint. So it, maybe you could talk a little bit about the, the kind of moving target and just as a footnote, one thing we do know in Canada, the last lockdown, what they said was no, no. The difference now is cases don't matter anymore. It's about hospitalizations. And I do think Canada is probably, I think it is the worst in the , if not one of the worst four per capita ICU beds. And one of the issues just to aggravate this even more is the fact that because of our policies, when it comes to testing, we have a bunch of nurses that have tested positive for this new variant. So we're even understaffed to a greater degree. So maybe talk a little bit about how this target has shifted and you know, where do you, where do you see this going? Because it is certainly impacting not just individuals but businesses, the at large, in, in both of our countries. Speaker 2 (28m 7s): Okay, look, I mean, let's just state this, first of all, it is true as a statistic that there are relatively few vaccinated people who end up in ICU, a similar place as relative, do they own vaccinate, which is an argument in favor of vaccination. So it doesn't want to be, but you have to break the unvaccinated populations down into two plots unvaccinated with natural immunities and unvaccinated without natural moon. And if it turns out that the, all of the situations, all with unvaccinated people with no natural amenities, then the number is actually higher than it might otherwise appear. And if you were somebody like that, you should think very seriously about the vaccine or getting yourself a natural immunity. So there are a couple of papers that have been written recently, which says, now that everybody gets this thing, if they're under a certain age, because they're going to survive that, and it's better than the vaccine. And there's a lot to be said for that position, but it's certainly wrong to treat that statement as though it carries with it, an implication that natural immunities are no good or uncertain. And one of the lasting disgraces of the CDC is just kind of throws up his hands and says, we don't really know very much about the door ability of the natural amenities or the backseat. Now, one of the things we do know about is that some of the immunities that we're talking about in these cases that come from natural sources and date from previous epidemics 10 years ago, even 50 years ago, if you were old enough for it. So we used to have something on durability with the vaccines. We have no information whatsoever. And so, so then the question is, well, what do you look at? You look at the past numbers and I'm just going to make a two comparison, and then I'm going to extrapolate from it. It turns out that the more potent vaccine is the maternal, but less potent is the Pfizer. The more journal last longer, it gives a greater penetration than does the fine. But if you start looking to adverse side effects, the other side of that, it turns out that the Moderna vaccine is associated with more adverse events than is the Feisal, which is exactly what you would expect, right? The good and the bad are both simulated bias all above. So the question that you then have to ask as well, what is this situation? And the numbers in my view, keep changing that is what's really happened in this case, is that people have to understand MRN. A vaccine is not a vaccine. It's a drug because if you look, but the CDC did was to change its definitions in the United States. So it's no longer kind of a diluted version of the original stuff. It can be totally fabricated the way in which the MRR and a vaccine. Well, the natural immunities are like a bore spectrum antibiotic, but the MRI is a specific situation. And the way to understand that is you have a large number of links in this particular chain, and they take advantage of a principle known in a railroad, which is you take out 10 feet of a railroad. You can't go from one end of the country to the other, right. What they forgot to say is you take out 10 feet of a railroad. It turns out you can build a bypass around it at 40 feet and fix it back up again. And so what's happening is that my guests and I would want, you know, I'm not a biologist, but I am a strategic game player. And I think is that you see the part of the track is broken and you're a virus. You don't do this by deep connotation, right? But you have so many mutations that are thrown up at a very rapid rate. All of a sudden, one of the managers, the go around the particular break and all of a sudden, the vaccine turns out to be worthless because it's been circumvented or compromised in some way. And that you have to really know what the composition is of subclasses Alma viruses. But the point I'm making is the prediction you would make from this theory is that it will turn out that the vaccines will be progressively more on ineffective because there'll be more workarounds that the virus is able to do in order to defeat it. So the prediction that you're going to get is that it's going to be less effective and it's going to be less effective with each future innovation. That's why Robert Malone, the guy who invented this stuff. I mean, he's out there freaking out in public, right? Essentially an answer. I, you know, I may have created a deaf machine in some sense. Now he was right. I mean, early on the first round, possibly the cost benefits were very enormous, but the law marginal rates of return applied to everything, including vaccine usage. And so if this thing is evolving in the way in which I suspect it is, then what would you would suggest is that the immunities that you get from the backseat will be a flow with durations. And in fact, the breakthroughs in both directions giving and getting will become watcher. And so the ratio of success between the natural immunities and the artificial immunities very heavily in favor of doing the natural immunities rather than this. And so this constant re vaccination program that'd be terrible. So that's the first part. Second part is what are the adverse events? When they did the swine flu thing, it turned out they were a real rush. They got the numbers completely wrong, and they gave all sorts of people. The vaccine, they didn't give sufficient warnings, particularly for pregnant women. And the government had assumed all liability for bad warning. They ended up paying $4 billion in 1970s and 1980s for the bad vaccines that they put out on the market. Well, there is no government liability today, as far as I can tell. And under the emergency use authorization, I don't think there's one either for the companies or I'd have to check that, but I'm going to check it very soon because it's something worth writing about. And so what you're going to see is diminished the effectiveness of this and the rising adverse side effect. So right now, I mean, I've seen at least one publication, which just simply collected a hundred articles, all of which pointed to some adverse events associated with Mr and a vaccine. Now you look at the studies and I did with a couple of handfuls, and they're exactly what you'd expect in conclusive that somebody reports six cases of this three cases of that one case of that, somebody that clinical studies very hard to get broad spectrum stuff. But if you then start to aggregate them and try to figure out, well, we've got 50 of these studies, which have three cases of death after taking a certain kind of vaccine. Now you've got 150. You have to make sure that you don't have double counting a lot of other stuff, but you then become more cautious. And the same thing with respect to administration, just in the last several days, people said, Hey, this seems to lengthen the menstrual cycle. You do this to a woman who's 35 years old, right. Who's trying to get pregnant and this could be just devastating kind of stuff. And do we know how long it lasts? Of course now, do we know how serious it is? Of course not. Right. Well, what's the rule you take with respect to major conditions in essentially the population that's right in the core of the distribution 20 to 40. Well, my view is you say the cost of COVID is very well. You say in effect the effectiveness of the various kinds of remedies, like ivermectin and ACQ is doubted, but certainly possible. Oh, last thing you want to do is to give people other conditions for which there is no known cure. And so you do is you back off in the middle generation. So what are universities doing? They have undergraduates in their late teens. They have graduate students, postdocs in the twenties and thirties, and they impose the vaccine mandate and all of that. But me, I took it as it were under protest. Not that anybody care, but when you understand is when you're 78, as I am, you're not worried about reproductive success. You're not worried about, you know, going out and playing competitive sports in the Olympics and things like that. You all worried about something that might happen. And so the cost benefit analysis tends to shift by age a little bit more in favor of doing it. But rather than that, what you do is you look at these things and what are they counting? They shameful. What they say is, everybody knows it. This is not a question of individual Liberty. This is a question of collective responsibility, and everybody's doing this to serve the common. Good. Have you ever heard that expression? The promise. They don't know how prisoner dilemma game place. And so I'm going to be just a little bit technical for a second, but the traditional prisoner's dilemma game was that you get two people going into jail. And if each of them keep silent, then neither one gets convicted. But if one of them starts to Blab and the other one does and Blab, the guy who blabs gets the lightest sentence, and then a guy who doesn't want to get so much heavier sentence. So some say, I don't know what that other guy's going to do. I can't talk to him. So they both Blab and they're both worth or worse off than they would have been. If not the report. Now, the way this works is you now have a need for a public facility. It's perfectly homogenous. It turns out, let's say it's a road on which there are houses on both sides and you impose the special assessment by majority vote. And every unit has to paint Penn dollars into it. And every unit gets $15 worth of benefit. If you did it by voluntary agreement, instead of all one, everybody would sit, let the other people build the road and it never gets built at all. Right. So why is that not work? You don't have how much in aid, right? And it also turns out that not only do you get differential effectiveness, but you get differential worse off. So you don't have a prisoner's dilemma game. If you turn out Jessie to be better off not taking the vaccine, no matter what anybody else does. Right. And if the same tools or somebody out, or what happens is under these circumstances, you now have the ability for self protection by isolation or by taking a vaccine or by teaching HCQ. So you can get several solutions, which you can't do when you're building a road down the middle of the situation. So what happens is all of the collective action systems, all wildly optimistic because you can't get the initial homogeneity on either the cost side or on the benefit side to make this thing work. So you have to just chill that particular language. This is not the kind of case where to apply. That doesn't mean it doesn't work like that with all diseases. And so it turns out smallpox is a very rigid virus. It doesn't change virtually at all. It also turns out that Cal parks is relatively innocent and we give everybody count pops. It's an actual immunity against smallpox, and you do it individually and you do it collectible. But what happens to people look at this and they come to the following conclusion. I don't care whether anybody else wants to take the stand backseat. I'm going to take it anyhow, because I'm better off. So it's not a prisoner's dilemma, gamma. And when you know the polio vaccine, you're not old enough to remember this, but the polo polio vaccine came at the Joan speech and a mother place. It got shut down every summer because of polio. And then the Salk vaccine comes out. And I mean, I was 11 at that time. And my father was adopted. You see people lining up around the block to take the shot, because essentially they were reasonably confident that it would prevent this forge. And they were reasonably confident that they didn't seem to be any kind of potent side effects because it was done in the attenuation method, right? Like the small, like the other thing. And then there was a huge fight between him and save it whether you use the live virus or the dead virus, right? Because the dead virus turns out to be as effective, but less, she was side effects, whatever. And they fought over this for 15 years, but this is just not what we are today. And if you would see people lined up around the block in order to get it, and the fact that you don't see them lined up, suggest that maybe they know something that the other guys don't, but the people who run me, Mr. Bouncy may have been a great firewall, just in some sense. But you know, now all of a sudden it becomes a social commentator talking about epidemiology, public health and game theory about what she knows less than nothing. And ironically, he doesn't learn those things. Right. When I said is, I'm sitting down there and I read the scientific reports. I don't try to perform them. I don't check the calculations on the this on, but I look at the abstracts and the major discussions on this stuff and try to figure out something from the methodology. And as I said, at the beginning of the show, that was the way I was told you had to do law at the beginning with the sire. And I think it's, it's the correct approach. So this has become an international travesty and the quarantines prolong the situation and expose you to something else. And as far as I can see, I have not seen a single serious public official in out. I didn't say commentator, who's actually got this right. And I've seen many commentators who seem to get it right, or at least on some of it. And there's some people who are really smart and they get much of it. Right? Some of it won't, your job is in my case, it is not to essentially reproduce the date. I can't do that, but I've been trained in, you know, I'm just old lawyer, right. But no, I mean, I've been trained in the science. I, you know, I had to learn some games. I'm not a game theorist, but I had to learn it. It turns out from a very long time, I did sociobiology and evolutionary theory and inclusive fitness and all that stuff, which is absolutely critical for understanding how these things start to go in one way or another. And so having done the sociobiology and the games theory, and then all this other stuff, what happens is lawyers have the following set of tax advantages over specialists. I worked in five or six different areas that are relevant to this thing. And, you know, I spent my entire life learning everything one-on-one, but the point is knowing one-on-one about a lot of stuff is extremely important. And many other people come in and they know 5 0 5 about one thing and 0.0 on other things, right. They had it, it turns out the person who has my kind of intellectual profile is probably better suited for figuring out what the systematic response would be on one condition. They don't run ahead of the evidence in substance and barriers. Why always talking to people who know more than they do about any one of these particular things. So your job is to synthesize the best rather than to make it up yourself. So, I mean, I do a lot of work on science cases have been for many, many years, starting in the early eighties with Des and the specialists and agent orange and the whole thing. And you don't go near one of these cases unless there's a specialist who's worked in the area for years, it yourself. Speaker 1 (42m 55s): So that was part one of two with Richard Epstein. And we're going to cap off the second half of that conversation next week. So I hope you enjoyed it. And I hope you tune in next week. And if you want to download our financial model or check out other episodes, go to working capital podcast.com, hope to see you there.
Originally broadcast live on New Years Eve: we raise a glass (of coffee haha) and recap 2021 with our besties Mario Gabriele from the Generalist and Packy McCormick from Not Boring. Thank you for making 2021 an incredible year for all of us at ACQ, NB + TG, and may 2022 be filled with great things and grand adventures for us all!
Ramneek is the Founder and Managing Partner of PruVen Capital, an independent, returns driven firm created in partnership with Prudential Financial as the single limited partner. Our first fund is a $300M multi stage investment vehicle designed to focus on verticals including Insurance, Financial Services, Healthcare IT/Tech/Data, Real estate/Proptech, Asset/Wealth Management and Enterprise IT. Prior to founding PruVen, Ramneek was the Co-founder of the venture investing efforts at Citi. At Citi Ventures, he led investments in over 25 companies across fintech & digital commerce space that represent over $180B in market value. Some of his notable investments included Square (NYSE: SQ), Jet.com (Acq by Walmart for $3.3B), DocuSign (NASDAQ: DOCU), Honey (Acq by Paypal for $4B), Grab (NYSE: GRAB), Datarobot, Feedzai, Homelight & Zum. Prior to Citi Ventures, Ramneek was a partner at Battery Ventures, where he led the build out of their investment practice in India and before that he held various product development roles at PMC Sierra and TiVo. He is also an angel investor and has had the opportunity to partner with founders thru early investments in companies like Robinhood (NASDAQ: Hood), CheckR, Ipsy, Vicarious, Maxxa and Gridspace. Ramneek received a BS in Mechanical Engineering from the Indian Institute of Technology (IIT) Bombay, where he graduated at the top of his class and an MS in Mechanical Engineering from Stanford University.
Building the Backend: Data Solutions that Power Leading Organizations
This episode features Jean-Yves Stephan Co-Founder & CEO @ Data Mechanics (recently Acq. by Spot by NetApp), during our discussion we talk about optimizing Spark to run in the cloud at a low cost.Top 3 Value Bombs:Running Spark CAN be expensive but there are ways to reduce your current operating costs by 50-75% by smart automations (i.e. tune for node type, memory and CPU). Spot instances can lower your costs by utilizing unused instances. Creating serverless architectures and using containers will allow for more flexibility with deployment models and scalability.
An Acquisitions Incorporated Side-Quest! Acq. Inc. tries a horizontal leadership structure! We meet a new party setting up the first undercover franchise in Dagger Falls. A Forgotten Realms campaign. E-mail the show: strengthcheckpodcast@gmail.com Follow the show on Twitter: @StrengthCheck Follow our cast: @heydrwil, @griffmoy, @dlytle21, @Evlintentions, @mbdando, @4995songs
Le tour de l’actualité avec Vincent Dessureault et Alexandre Moranville-Ouellet : Régis Labeaume quitte la vie politique, bilan des cas COVID-19, la situation s’améliore un peu en Ontario, Santé Canada autorise Pfizer pour les 12-15 ans, l’archevêché de Montréal dévoile sa politique contre les abuseurs, Valérie Plante préoccupée par les fusillades dans le Nord de la ville, un “défilé inversé” pour la St-Jean à Montréal, le Méga Fitness Gym avait déjà été mis à l’amende deux fois, Facebook confirme la suspension de Trump, Ottawa enverra de l’aide matérielle à l’Inde et une console de jeu bien spéciale est à vendre. Chronique culturelle avec Anaïs Guertin-Lacroix : QW4RTZ et Arnaud Soly, millionnaires du clic avec une nouvelle vidéo, Meghan Markle annonce la sortie prochaine d'un livre pour enfants, Kate Middleton et le prince William lancent leur chaîne YouTube, Juste pour rire et Ariane Moffat. Chronique économique avec Pierre-Olivier Zappa : Des Québécois pourraient dépenser pas mal d’argent après la pandémie et Couche-Tard veut offrir un nouveau concept. Entrevue avec Daniel Côté, maire de Gaspé : La saison touristique s'annonce achalandée en Gaspésie encore cette année et la Ville de Gaspé a décidé de modifier sa réglementation sur le camping pour éviter à tout prix que les débordements de l'année dernière ne se reproduisent. Entrevue avec le Dr. Marc Lebel, président de l’Association des pédiatres du Québec : Il co-signe une lettre ouverte dans la section Faites la différence du Journal intitulée Il faut prioriser la santé des adolescents du Québec et le vaccin Pfizer autorisé pour les 12-15 ans. Entrevue avec Thomas Le Page Gouin, président de l’ACQ et directeur du camp Le manoir : L’Association des camps du Québec (ACQ) demande au gouvernement d’octroyer 10 M$ aux camps de jour et aux camps de vacances, afin d’être en mesure d’offrir à un maximum d’enfants et de familles un été à la hauteur de leurs attentes, dans un environnement sécuritaire. Chronique de Richard Martineau : Le bilan de Régis Labeaume, le commissariat contre le racisme à Montréal et la promotion du Grand Prix de Montréal. Chronique politique avec Emmanuelle Latraverse : La fin du passage de Régis Labeaume à la tête de la ville de Québec et la vaccination des ados. Chronique sportive avec Jean-François Baril : Le CH pourrait confirmer sa place en séries éliminatoires, Carey Price de retour sur la glace et le tour de la LNH. Retour sur l’actualité avec Vincent Dessureault : Les normes spatiales bafouées par la Chine et le rappel d’un tapis roulant avaleur d’enfants. Une production QUB radio Mai 2021 Pour de l’information concernant l’utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
Entrevue avec Thomas Le Page Gouin, président de l’ACQ et directeur du camp Le manoir : L’Association des camps du Québec (ACQ) demande au gouvernement d’octroyer 10 M$ aux camps de jour et aux camps de vacances, afin d’être en mesure d’offrir à un maximum d’enfants et de familles un été à la hauteur de leurs attentes, dans un environnement sécuritaire. Pour de l’information concernant l’utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr
The Gardening with Joey & Holly radio show Podcast/Garden talk radio show (heard across the country)
The gardening with Joey and Holly Radio Show heard weekly March - Oct Email your questions to Gardentalkradio@gmail.com Or call 24/7 leave your question at 1-800 927-SHOW https://thewisconsinvegetablegardener.com/ In segment 1 Joey and Holly go over building raised bedsBuilding raised beds Treated or untreated wood Untreated you can use a all natural wood preservative timber pro coatings Cedar is a rot resistant wood https://extension.oregonstate.edu/ask-expert/featured/raised-bed-lumber-pressure-treated-safe The safety of pressure treated lumber for raised bed gardens has been examined by several researchers. From what I've seen, the consensus is that the chemicals do leach out of the wood into the soil and are uptaken by the plants in very small amounts. However, I haven't seen any research that suggests the level of the chemicals is significant enough to be of concern for human health. Of course, the primary concern with using pressure treated wood in raised-bed gardens has been with the arsenic in CCA- (chromated copper arsenate) treated wood. This publication from Pennsylvania State University does a good job describing the risks of using both CCA-treated wood as well as ACQ-treated wood: Environmental Soil Issues: Garden Use of Treated Lumber. With regards to CCA, they state, "Although the plant and human health risks from garden uses of CCA-treated lumber appear to be extremely small, there are steps gardeners can take to further reduce any such risks." One of the steps they recommend is to use wood treated with ACQ - "This is an alternative wood-treatment chemical that contains no arsenic, chromium, or any other chemical considered toxic by the EPA." If you are shopping for treated lumber nowadays, I don't think you'll find CCA-treated material in the home centers anyway since its use was restricted by the EPA in 2004. It will be more likely be ACQ or some other chemical. Location Size Height Bottom or not (hardware cloth) Cardboard or not Nails or screws The companies that make the show possible Proplugger of https://proplugger.com/ Rootmaker of https://myrootmaker.com/ Us coupon code Radio21 at checkout and save 15% of your order Chapin Manufacturing Inc. of https://chapinmfg.com/ Pomona pectin of https://pomonapectin.com/ Iv organics of https://ivorganics.com/ Dr. JimZ of https://drjimz.com/ Seed Savers Exchange of https://www.seedsavers.org/ Waterhoop of https://waterhoop.com/ Phyllom BioProducts of http://www.phyllombioproducts.com/home.html Happy leaf led of https://happyleafled.com/ Dripworks of https://www.dripworks.com/ Deer defeat https://deerdefeat.com/ use code Radio at check out to save 10% on your order Blue ribbon organics http://blueribbonorganics.com/ Chip Drop of https://getchipdrop.com/ Walton's Inc of https://www.waltonsinc.com/ Tree Diaper of http://www.treediaper.com/ Janie's Mill of https://www.janiesmill.com/ Nature's Lawn and Garden Inc of https://www.natureslawn.com/gardentalk can get 10% off on Aerify Plus by using this link Simply Earth of https://simplyearth.com/ Quick Snap Sprinklers of https://www.quick-snap.com/ Timber Pro Coatings of https://timberprocoatingsusa.com/products/internal-wood-stabilizer/ Bloomin easy plants of https://bloomineasyplants.com/ Tiger Torch of https://www.tigertorchltd.com/ Seedlinked of https://www.seedlinked.com/ Iron Wood Tool Company of https://www.ironwoodtools.com/ Natural green products of https://www.natgreenproducts.com/ EZ Step Products of https://ezstepproducts.com/ Rinsekit Of https://rinsekit.com/ Rincon Vitova of https://www.rinconvitova.com/ Wild Delight of https://www.wilddelight.com/ Bale buster of https://strawbalegardens-com.myshopify.com/collections/balebuster-bale-preparation-formula Soul brew kombucha of https://mysoulbrew.com/ Rescue of https://rescue.com/ Heard on Joy 1340 AM & 98.7 FM Milwaukee, WI Saturdays 7-8 AM CST Replay Saturdays 7-8 PM CST https://tunein.com/radio/Joy-1340-s30042/ Heard on WCRN 830 AM Westborough/Boston, MA Saturdays 8-9 AM EST Replay Sundays 5-6 AM EST https://tunein.com/radio/WCRN-AM-830-Full-Service-Radio-s1112/ Heard on KYAH 540 AM Delta/Salt Lake City, UT Saturdays 1-2 PM MST Reply Sundays 1-2 PM MST https://tunein.com/radio/KYAH-540-s34223/ Heard on KDIZ 1570 AM Minneapolis, MN Saturdays 4-5 PM and replay Sundays 2-3 PM CST http://player.listenlive.co/57071 Heard on WAAM 1600 AM & 92.7 FM Ann Arbor, MI Sundays 7-8 AM EST https://tinyurl.com/p68cvft Heard on WOGO 680 AM & 103.1 FM Chippewa Falls, WI Sundays 9-10 AM CST https://onlineradiobox.com/us/wogo/ Heard on KFEQ 680 AM & 107.9 FM St. Joseph/Kansas City, MO Saturdays 6-7 AM replay Sundays 10-11 AM CST http://www.680kfeq.com/live-stream/ Heard on WNAX 570 AM Yankton SD Sundays 10-11 AM CST bonus play Saturdays 2-3 PM CST (when twins baseball is not on) https://wnax.com/ Heard on WMBS 590 AM & 101.1 FM Uniontown/Pittsburgh/Morgantown PA. Saturday 6-7 AM EST replay Mondays 6-7 PM https://www.radio.net/s/wmbshttps://www.radio.net/s/wmbs Heard on KHNC 1360 AM Johnstown/Denver, CO Cheyenne, WY Saturdays 7-8 AM MST Replay Sundays 5-6 PM MST https://1360khnc.com/
The Gardening with Joey & Holly radio show Podcast/Garden talk radio show (heard across the country)
The gardening with Joey and Holly Radio Show heard weekly March - Oct Email your questions to Gardentalkradio@gmail.com Or call 24/7 leave your question at 1-800 927-SHOW https://thewisconsinvegetablegardener.com/ In segment 1 Joey and Holly go over building raised bedsBuilding raised beds Treated or untreated wood Untreated you can use a all natural wood preservative timber pro coatings Cedar is a rot resistant wood https://extension.oregonstate.edu/ask-expert/featured/raised-bed-lumber-pressure-treated-safe The safety of pressure treated lumber for raised bed gardens has been examined by several researchers. From what I've seen, the consensus is that the chemicals do leach out of the wood into the soil and are uptaken by the plants in very small amounts. However, I haven't seen any research that suggests the level of the chemicals is significant enough to be of concern for human health. Of course, the primary concern with using pressure treated wood in raised-bed gardens has been with the arsenic in CCA- (chromated copper arsenate) treated wood. This publication from Pennsylvania State University does a good job describing the risks of using both CCA-treated wood as well as ACQ-treated wood: Environmental Soil Issues: Garden Use of Treated Lumber. With regards to CCA, they state, "Although the plant and human health risks from garden uses of CCA-treated lumber appear to be extremely small, there are steps gardeners can take to further reduce any such risks." One of the steps they recommend is to use wood treated with ACQ - "This is an alternative wood-treatment chemical that contains no arsenic, chromium, or any other chemical considered toxic by the EPA." If you are shopping for treated lumber nowadays, I don't think you'll find CCA-treated material in the home centers anyway since its use was restricted by the EPA in 2004. It will be more likely be ACQ or some other chemical. Location Size Height Bottom or not (hardware cloth) Cardboard or not Nails or screws In segment two Joey and Holly go over why birds are good for your garden Birds in the garden Birds are good as the eat bad bugs They can pollinate Certain species of birds are incredible pollinators for your garden flowers. Some of the best birds for pollination are listed below. Hummingbirds Oriole Sunbird Honeyeaters The can help control weeds Another benefit of birds in the garden is they prevent and contain weeds by eating the seeds before they ever sprout. How to attract birds Use a Bird Bath Near your Garden Bird feeders with wild delight bird seed as it is not have filler but has a selection of seeds the birds will enjoy Planting native trees and shrubs in your backyard will provide some things that bird feeders can’t replicate Flowers can bring birds in the garden Petunia Dahlia Coral Bells Geranium Iris Trumpet Vine Honeysuckle Columbine Azalea Flowering Tobacco Bee Balm Sage Lily Rhododendron Lavender Plants and berries are fantastic for both gardeners and bird enthusiasts. If you are a gardener, there is nothing better then fresh fruit from your garden. And if you are a bird enthusiast, it is a great way to attract birds to your garden naturally. Here is a list of bird species I suggest repelling and deterring: Blackbirds Pigeons Pheasants Grackles Cowbirds Crows Bluejays These types of birds can destroy your garden and resources nearby. They eat tomatoes, peppers, lettuce, corn, seeds, and sunflowers. Cover crops with bird netting In Segment three Joey and Holly welcome Their guests authors Sean and Allison McManus, are passionate gardeners. They also have a blog, podcast, youtube channel and are authors of the book : The First-Time Gardener: Growing Plants and Flowers which will be out April 13 2021 . https://spokengarden.com/ 1. You are passionate about the first time gardeners and there were a lot of first time gardeners last year - why are first time gardeners? And what is a piece of advice that you wish you would've known as a new gardener? 2. Tell us a bit about your book and a good tip from it that readers would find fascinating or extremely helpful? 3. Looking at your website, we can tell the proper garden tools are important for all gardeners. If you could recommend 3 basic tools for all gardeners to have in their garden shed, what would those be and why? 4. Many new gardeners are starting seeds for the first or 2nd time this year - how is it best to know when to transplant seedlings? 5. Its just early spring for a lot of people - are there any flower bulbs that can be planted to provide lovely colorful summer blooms? 6. How can our listeners find out more about you? Is segment four Joey and Holly answer gardeners questions Q: Planting shallots I missed planting them in fall. Can you still plant them in Spring? I'm in zone 5 with the last frost date of May 7. When should I plant them? What variety yields good and thrives here? I see recommendations to start in mid-March but i am not sure because the ground may be still frozen and we get snow until the first week of May. I missed planting them in fall. Can you still plant them in Spring? A: I do not have a specific variety but you can plant them as soon as the ground can be worked they are very hardy and can stand cold Q: When a plant or seed requires a certain temperature to grow or germinate, is that an average soil temperature or minimum low temperature required? A: A minimum low temperature for example peas germinate between 40 and 70ﾟF If you plant below the minimum soil temperature then the plant can die because it's too cold or the seeds can potentially rot in the ground and not germinate Q: Hello Holly and Joey Where I live there is heavy clay soil and the topsoil was scraped off and sold when the house was built. In-ground gardens have not done very well for vegetables. This spring I am building raised beds out of wood and galvanized corrugated metal. They will be 4 feet wide by 12 feet long and at least 18 inches high. I am looking into the wood sealer advertised on your program for the wood as well. Since the beds will be tall I’d like to use the hugelkultur method to fill the bottom and should be able to find free tree parts and wood chips for that. The top 12 inches of soil I will buy in bulk from a garden supply in my town (Janesville, WI). One offers a veggie and flower mix of top soil, mushroom compost, rice hulls, and peat moss for $60 per cubic yard (in stock) as well as plain mushroom compost (out of stock) and screened topsoil in the mid $40s for prices for the latter two. The premier local garden center recommends mushroom compost for raised beds at $50 per cubic yard and keeps it in stock regularly. What product do you recommend? Should I get mushroom compost and add my own amendments? I am willing to add my own organic fertilizer, although I would think that pure compost should be rich enough for the first year. I want a general veggie garden, but probably will have to plant cool season crops in the fall by the time I finish the beds and fill them. Also, should the soil be full depth for any certain plants? Feel free to edit the length or content of this to make it a question for the program. Also, I bought a lot of seeds and am planning to buy a few different starts of things that seem tough to grow, like peppers. If I don’t have enough room in my raised beds and decide to start a few straw bales for extra space, are there plants that especially do well in them that would save space in the raised beds? My desired vegetables are Pole and bush beans Radishes Carrots Head and leaf lettuce Beets Cherry and slicer tomatoes, indeterminates Zucchinis Various basil, other herbs Hot and sweet peppers (I think these might like the straw bales) Pod and shelling peas Ground cherries Sugar baby watermelon Maybe Onions Potatoes Thank you very much, please let me know if there are any more details I can clarify. A: Thank you for your question and thank you for listening! The mushroom compost will be the best for your beds and there will be no need to amend - you can add a little organic fertilizer if you want, but not necessary. 10 inches is the minimum depth you would need. Our raised beds are 10 inches deep and we do just fine. Watermelon, tomatoes, and peppers will do really well in the raised beds. You can grow the basil out of the side of the bale. Q:Trying to get my Yukons to sprout more eves, its coming slowly so I moved them from the basement to upstairs sunny window..Cool? Is the warmer the better then ? Just wondering if I can leave them in my 55 degree basement or bring them up where it is 74. A: indirect light is best not direct sunlight 74 degree would be good 55 is of the cool side The companies that make the show possible Proplugger of https://proplugger.com/ Rootmaker of https://myrootmaker.com/ Us coupon code Radio21 at checkout and save 15% of your order Chapin Manufacturing Inc. of https://chapinmfg.com/ Pomona pectin of https://pomonapectin.com/ Iv organics of https://ivorganics.com/ Dr. JimZ of https://drjimz.com/ Seed Savers Exchange of https://www.seedsavers.org/ Waterhoop of https://waterhoop.com/ Phyllom BioProducts of http://www.phyllombioproducts.com/home.html Happy leaf led of https://happyleafled.com/ Dripworks of https://www.dripworks.com/ Deer defeat https://deerdefeat.com/ use code Radio at check out to save 10% on your order Blue ribbon organics http://blueribbonorganics.com/ Chip Drop of https://getchipdrop.com/ Walton's Inc of https://www.waltonsinc.com/ Tree Diaper of http://www.treediaper.com/ Janie's Mill of https://www.janiesmill.com/ Nature's Lawn and Garden Inc of https://www.natureslawn.com/gardentalk can get 10% off on Aerify Plus by using this link Simply Earth of https://simplyearth.com/ Quick Snap Sprinklers of https://www.quick-snap.com/ Timber Pro Coatings of https://timberprocoatingsusa.com/products/internal-wood-stabilizer/ Bloomin easy plants of https://bloomineasyplants.com/ Tiger Torch of https://www.tigertorchltd.com/ Seedlinked of https://www.seedlinked.com/ Iron Wood Tool Company of https://www.ironwoodtools.com/ Natural green products of https://www.natgreenproducts.com/ EZ Step Products of https://ezstepproducts.com/ Rinsekit Of https://rinsekit.com/ Rincon Vitova of https://www.rinconvitova.com/ Wild Delight of https://www.wilddelight.com/ Bale buster of https://strawbalegardens-com.myshopify.com/collections/balebuster-bale-preparation-formula Soul brew kombucha of https://mysoulbrew.com/ Rescue of https://rescue.com/ Heard on Joy 1340 AM & 98.7 FM Milwaukee, WI Saturdays 7-8 AM CST Replay Saturdays 7-8 PM CST https://tunein.com/radio/Joy-1340-s30042/ Heard on WCRN 830 AM Westborough/Boston, MA Saturdays 8-9 AM EST Replay Sundays 5-6 AM EST https://tunein.com/radio/WCRN-AM-830-Full-Service-Radio-s1112/ Heard on KYAH 540 AM Delta/Salt Lake City, UT Saturdays 1-2 PM MST Reply Sundays 1-2 PM MST https://tunein.com/radio/KYAH-540-s34223/ Heard on KDIZ 1570 AM Minneapolis, MN Saturdays 4-5 PM and replay Sundays 2-3 PM CST http://player.listenlive.co/57071 Heard on WAAM 1600 AM & 92.7 FM Ann Arbor, MI Sundays 7-8 AM EST https://tinyurl.com/p68cvft Heard on WOGO 680 AM & 103.1 FM Chippewa Falls, WI Sundays 9-10 AM CST https://onlineradiobox.com/us/wogo/ Heard on KFEQ 680 AM & 107.9 FM St. Joseph/Kansas City, MO Saturdays 6-7 AM replay Sundays 10-11 AM CST http://www.680kfeq.com/live-stream/ Heard on WNAX 570 AM Yankton SD Sundays 10-11 AM CST bonus play Saturdays 2-3 PM CST (when twins baseball is not on) https://wnax.com/ Heard on WMBS 590 AM & 101.1 FM Uniontown/Pittsburgh/Morgantown PA. Saturday 6-7 AM EST replay Mondays 6-7 PM https://www.radio.net/s/wmbshttps://www.radio.net/s/wmbs Heard on KHNC 1360 AM Johnstown/Denver, CO Cheyenne, WY Saturdays 7-8 AM MST Replay Sundays 5-6 PM MST https://1360khnc.com/
Investmentbolaget Bure blir först i Sverige med att notera ett SPAC-bolag. Bolagets vd Henrik Blomquist förklarar hur de tänker kring börsnoteringen av ACQ som bolaget heter.
Den glödheta trenden kring SPACs eller Special Purpose Acquisition Company som akronymen står för har nu kommit till Sverige. Investmentbolaget Bure blir första aktör genom att notera SPAC:en ACQ med första handelsdag 25 mars. I det här avsnittet får du lyssna till Bures VD Henrik Blomquist och Ordförande Patrik Tigerschiöld när de berättar (nästan) allt du behöver veta om den första SPAC:en på Stockholmsbörsen. Vad innebär fenomenet och vad fick Bure att haka på trenden? Vad skiljer denna mot de amerikanska? Detta och mycket mer! Delikat lyssning på dig, Nicklas
David Novac from Wealthwise Education and Michael Gable from Fairmont Equities go in-depth and stock-specific. Stocks: JHX, CVN, REH, TYR, TNT, EGR, MP1, ARB, BWX, ACQ. The stock of the day is Infratil (IFT). See acast.com/privacy for privacy and opt-out information.
Tom, Michael and Emil answer another round of listener submitted questions. Transcript Tom: Greetings and welcome to The Remote Real Estate Investor. My name is Tom Schneider and I am here with Emil: Emil Shour Michael: And Michael Albaum. Tom: And we are going to take on another episode of ask us anything. All right, let's do it. Theme Song Michael: Before we get into it, how was the holiday weekend? Monday, yesterday was labor day. What did y'all do? Emil: I went out and shredded some gnar at the beach. It was so packed at the beach. I dunno, man. Little scary out there with how many people were at the beach. Michael: Didn't feel like the surface of the sun. There was a crazy heat wave in California. Pretty much the entire state where you feel on a down South. Emil: Oh yeah, there was that too. That the entire state of California was basically on fire. That was really fun. Michael: So the only logical place to be is in the water. Emil: That's right. It was nice. The water was cold, but it was so hot outside. So it was like the perfect place to be, which is why everyone was there, I assume. Michael: Did you trunk it? Emil: I did not know. I'm a baby. When it comes cold water. I always wear a wetsuit. The only time I don't is when I'm like traveling and the water is super warm, like in central America or Bali or somewhere. Alright. Michael: Right on. Emil: But in California, I'm always, I'm always in a wetsuit. I'm never, one of them… Michael: Always suited up. Emil: Every time I wear trunks, I immediately regret it, so. Michael: Tom, what did you get up to? Tom: I just, just managing this bit of a hellscape we have up in Northern California. You guys are further down South in Northern California. I think it's like record like 105 or 109. And you guys look at the air quality with all the fires. So I'm like constantly looking at yeah. Cause it's like, it kind of controls if you can like go outside or not. And it's funny, there are multiple apps out there and it's a Q, ACQ is the one that I'm looking at anyways it's like little bits of ash on the ground and it's, you know, you can't like go inside somewhere else with other people. Cause we're still doing some, some quarantine. It's like a, a, a triple whammy of the heat plus the bad air, plus the pandemic going on. So just being present with wife and baby at the house and making the most of it, playing games, Emil: It got up to 115 where I live this weekend. It was crazy. We have all these like roses and stuff in the front of our house. And they all got torched. Like they're all dead. After this weekend. It was crazy. Michael: Wow. One and done. Emil: What about you Michael, what went on? Michael: I was hanging out, up North, the central coast where I live for the weekend and my mom actually came up to visit. So we were hosting her and showing her around. But yeah, I was just super hot here as well. We were supposed to do some yoga in the park, socially distant yoga in the park on Sunday. And my buddy was like, dude, it's a hundred degrees. Like, don't come. It's just, you can't be outside. So they have an… Tom: Outdoor Bikram yoga, Michael: That's basically it, yeah. Everyone would just be a sweat box. Yeah. We just went to the beach and hung out and got a little bit of a reprieve, but it was like 95 at the beach too. So we just ended up coming right back home to where I live and it was always a coastal breeze. So it was back in the seventies. So it was great. It was like the only place where we could be where it wasn't pretty much on fire. Emil: Yeah. Tom: Pierre did you do anything fun? Pierre: Yeah. This weekend. So we're starting a music channel here with the housemates and we're going to be running a live stream or more like a virtual concert where we can control the audio quality. So we started filming for that. Tom: Is it through YouTube or where, where is it published through? Pierre: Yeah, on YouTube. We just started a YouTube channel. Emil: Nice. Look at you, man. Michael: That's really cool. Pierre: Yeah. I'll drop a quick little shameless plug for Ansel Avenue. Tom: Ansel Avenue is that what it is? Pierre: Yeah, Ansel Ave is the page, Tom: Nice Pierre: It's a music production channel and we'll be hosting five different artists on October 9th. And we've been following the COVID shooting guidelines for those of you worrying out there. Michael: Good man. Good man. Emil: Quick caveat. Tom: Awesome. All right, guys, let's jump into this. Ask us anything. So this is a grab bag. We're gonna cover a variety of different topics and we're going to start with what assumptions go into property tax estimates. And I will take the initial crack at this and then I'll, I'll pass it along. So we're going to be talking about property tax estimates, and I'm going to talk about some of the methodologies that Roofstock uses. And then we're also going to touch on ways that you as an investor can think about it, but just kind of riff on the topic of property taxes. So this is what you're paying on a semiannual basis to basically support roads and schools and all those other local great stuff that property taxes pay for. So property taxes, two aspects of it is a, a millage rate, which is a percentage of the assessed value and correct me if I'm wrong. I think it's usually anywhere between like 1% or 2%. Some areas are really high. So in Florida and Texas, where they don't have income taxes, that local area, they make all their money on property taxes. So it's significantly higher. But back to my point, so calculating property taxes, there is a millage rate, which is a percentage of the assessed value. And then there's also what they call ad valorem or special assessments where it's just adding a flat dollar amount. It's not a percentage of the assessed value. And these could be for, you know, one year the voting populations votes for a bond to put in a new swimming pool with the school or whatever, totally making up things. And this would be like a flat dollar amount that would not be specific to the value of the home. So that's really the, the ingredients that go up to go into making the tax value. If I'm evaluating a lot of properties at time, I may use a flat percentage just based on it, uh, of, you know, go through this exercise in detail on a couple of properties. And with that neighborhood, I can just apply a set percentage and for properties that make it through the funnel of ones that I want to evaluate further, then I'll go in and looking at the, at the millage rate after doing that initial exercise as a way to kind of batch it and doing a bunch, um, that would be the another way that you can do it, especially whittling down a bigger list of properties. And, um, I'd love to hear, let's see what, Michael, what do you have to say about property tax estimate? Michael: Yeah. I just have a follow up question. Ad valorem is that Latin? Tom: Yes. I think it is. It is the proposition to the estimated value of the goods or transactions concerned, shout out to google. Michael: Country of origin? Please use it in a sentence. Tom: It's just like an additional flat rate and, uh, you know, really good questions, Michael, really good questions. Michael: Really prevalent and pertinent question. Yeah. So on, on property taxes, I have a lot of thoughts on, on this subject. Um, cause it's something I see a lot of new investors get wrong and I've been wrong myself too. So there's three values that should not be co-mingled together. One is the assessed value of the property, which will often dictate what your property tax will look like. The other is the insured value from the insurance company. And the last is the sale price. Those three numbers often have no relation to one another. They can in a lot of instances like in California, the assessed value is the same as the sale price, which is then going to change your property taxes. But so just getting that out in the open. So Tom, I think you nailed it with the millage rate. Every County is going to have their own millage rate and they're going to calculate it based on whatever their needs are. And then it's going to be multiplied by the assessed value and the assessed value can be any number of things. It can be this last sale price of the property. It could be a two year appraisal or a new assessment that the County does on a regular basis. They could do it based on a sale. There's there's any number of reasons why a property could be reassessed. And so you just want to call the County assessor to get a very clear understanding of how is this property going to be evaluated for the assessed value? What is the millage rate and what are the things that could cause the property taxes to change? Once you can ask those questions, you'll have a much clearer understanding of what the property taxes are. And I always tell folks, you know, look at historic to get an idea. You can make this ratio right of, I know what the last sale price is. A lot of that's public information, and I know what last year's property taxes were. So I can calculate, I can almost calculate out a ratio or percentage of the sale price. And you can use that going forward for your worst case scenario and say like, okay, look, if the last person paid 3% of the sale price and property taxes, I can assume I'm going to pay 3% of this new sale price and property taxes annually. As a worst case scenario, it might not be that bad. And so you just want to call the County sets or get an understand, how do you calculate property taxes for your property after the sale to get the most accurate picture? Tom: An important point I want to make about looking at last year's taxes paid is I think that could be a tricky in that they may have a homeowner's exemptions for some areas. You might get a major discount on your property taxes, if you're an owner occupied and you lived in the property. So that's a super important thing. And you know, Michael, you asked that question in jest about ad valorem and being Latin and I double checked on it and it is Latin and ad valorem actually is the tax based on the assessed value. So I had that a little bit mixed up. So the ad valorem is that, is that calculation of the road relative to the assessed value and its special assessments is what you're paying for on additional and on top of it, for those like, you know, bonds that pass and whatnot. So it was my quick cleanup, a meal. Any final thoughts? Emil: Yeah. I don't have much that you guys nailed it. The only thing I want to mention is that if you're evaluating different markets, let's say you're looking to buy your first property. This is such an important thing to pay attention to property tax, because you'd be looking at two markets, maybe two separate properties in two markets, you'll see one market that has an awesome rent to price ratio, right? Like let's say you, the sales price is a hundred thousand, but it's renting for $1,500 a month. So it exceeds the 1% rule of saying monthly rent should be 1% of the sales price. So if it was selling for a hundred thousand, it would rent for $1,000 a month and it far exceeds that. Right. But you'll go to another market and it'll be right at the 1% rule, but you'll see that the returns are completely different. And it's because of this property tax, some States, some cities just have super high property tax rates and others don't. And so you'll just be looking at two properties and you're like, why is it so different? And usually the differences of the property tax rate causing it to return to be much less. So that was my rant about price of rent and yeah. Tom: Yeah. And with, so just some experience. Just some other musings working on the operation side with Roofstock taxes can be a little bit tricky in that when Roofstock, when we had opened up a market there's little sub pockets in the markets where there can be big swings, like where perhaps there's a school assessment that isn't in one pocket. So we, I think it might've been in Memphis where we opened up that market. We did some diligence on some properties and came up with a good methodology of coming up with the taxes and we are up and running and we have these properties listed and then a couple of people close and they, on the closing statement, it said their property taxes were significantly more. And we back as an operations team said, Hey, what did we miss on these property taxes? And it turned out in some municipalities, the city adds extra taxes on top of the County. So that's something to think about as well. If that area, if there are city taxes that are thrown on with the County taxes, it's, it's not a one size fits all taxes are not as transparent as it should be on what the prices are at the way that certain States they change the assessed value on what you're taxed on, can be really unique from state to state. Like some of them do it on a transaction. Some of them do it on a rolling seven year basis. It's a taxes is not super straightforward. And I think it's a great place where you can play offense where if you're buying a property, you can appeal the tax values, uh, in writing to the County commissioner and say, Hey, this property should be worth this, you know, trying to lower that value to manage your money. So kind of the takeaway is, is taxes can be a little bit tricky, but it's just, you know, do your homework. And I love Michael's point about talking to the County assessor or looking on the County assessor's website is a good one. Michael: What'd you say Tom, that taxes might almost be a little bit ethereal. Tom: They are definitely a little bit ethereal for sure. No question Emil: One additional thing, You'll also notice within your market that the tax rate will be different for a single family than multifamily. So that's, that's an important consideration as well. Often I've found that the tax rate on single family homes will be less than multifamily. So that's another thing. So if you're buying single families and you decide to move into multifamily, I wouldn't use the same rate you're used to seeing on your other properties. I would go figure out what multi-families of that size, what the rates seems to be. And you can, again, tax assessor website, you can ask an agent you're working with whoever, just people, local net market. And they'd be able to give you some insight on that. Tom: All right, I'm going to tee this one up for Emil. So question for you. Do property managers automatically collect the reserves or is that up to the owner? When you think of mail what's your strategy on this? Emil: They do not. So the, the only thing the property manager holds for you is they have like a minimum account balance. So some will be like $250 or 500. And that's just a minimum balance so that they can cover things when necessary, right? The property. Manager's not going to be your bank. So when little things come up, they maintain a small amount of reserves to be able to cover those things. All the reserves, you know, we talk about CapEx, repair and maintenance, all those reserves that's on you. So your, your property managers collecting rent, taking their fee and then distributing the rest to you. So they're not maintaining any reserve above that minimum I mentioned, Tom: It's a baby. They keep a baby reserves, right? Emil: Yeah. 250,500 is not a yeah. Michael: Yeah. I think that's not the reserve that most people are talking about when they talk about reserves. Like Emil mentioned it's for the one little stuff and the reserves that you should have for those, but the lender is going to require you to have, or for your cap tax and your maintenance. That's all on you as the owner to set that money aside to your market. When you get it out of the monthly rent to then have it sitting ready to deploy, Emil: How do you guys maintain your reserves personally? Like, do you have a separate account for it? Do you just leave it in your checking account where everything's deposited, like at a minimum level? I think it'd be good to… Michael: My property manager does it for me. Emil: Oh, nice. So you just, uh... Michael: I figure out how much I should be having and then set it aside. And I figured out how much cashflow I should be making. I try to not touch the cashflow from properties, or at least I did that when I was first started investing. Now I'm using much of that to fund other projects in my daily life. So my strategy has since changed a little bit, but I try to never take more than my calculator tells me I should be making on a monthly or annual basis from a particular property. And I leave everything else in the account. Tom: Yeah. Similar amount. I just have a separate, separate bank account where I keep a few thousand few thousand bucks, maybe a thousand, 2000 bucks a property on top of the reserves that the, you know, that baby reserves that the property managers all keep. And just within that one account, it's this, this beautiful flow of mortgage going out, rent payments coming in, and if need be, you know, pushing some additional of my larger reserve account into that particular property manager account. Emil: Nice. Tom: Excellent. Once this next question relates to 10 31 exchanges and we cover a lot of topics related to 10 31 in episode 15 of the remote real estate investor. Uh, so if you want to go deeper on this stuff, check out that episode. But this question is with a 10 31 exchange from, can you go from a multifamily to multiple single family or from a single family to multifamily or multiple single family? Basically that question of going up and down, uh, as an exchange and you gentlemen, like to a step on this one? Michael: Short answer is yes. From what we learned from the podcast episode about 10 31 exchange, episode 15, like you mentioned, Tom, and it just has to be like kind property. So that's the investment property for investment property, both ways the property you're selling into the investment property and the property you're buying needs to be investment property. And there are some very strict rules, guidelines, and regulations about the cost basis of those properties, the purchase price, the equity share that you have in those properties. So yes, you can go from a single family to multifamily or from a single family to multiple single families or from a single multifamily to one single family. Any combination of is my understanding that you can, you can go and I'm going to preface this all, talk to a tax professional, talk to a 10 31 professional accommodator, but this is my 2 cents. This is my understanding based on that episode, as long as you're following the rules. Yes, it's absolutely possible. But you just want to make sure that you're involving a professional accommodator to assist with that process. And they can absolutely walk you through the do's, the don'ts and everything in between of how to go about it. Emil: You can also do commercial to single family as well. We actually have a case study up on roofstock.com of two entrepreneurs who live in the Bay area who had a commercial property. They ended up selling it and 10 30ing into like 167 homes in the Southeast and Midwest. So you can, you can also do commercial insists. Michael Yeah. I think the restriction is only investment to investment. So if it's an investment property, industrial, whatever, as long as the new property is also an investment property, I think you're in the clear. Tom: Yeah. And just to redefine the value of the 10 31, it allows you to sell a property without paying any taxes on it. So as long as you, you roll all those proceeds into another and investment following all the 10 31 rules, but pretty cool. Like imagine trying to you buy a bunch of stock, it appreciates a ton, you sell it and you can move it into a different stock without paying any taxes. You can't do that with stock, but you can do it with real estate. It's just one of those really neat aspects, but makes real estate so fun and cool. Michael: Well, actually, Tom, there's something that I think we've covered on a previous episode, but there's the opportunity zone. And so if you sell stock and look to invest in real estate, there are ways to avoid paying capital gains on the sale of the stock. If you invest in an opportunity zone, but that's for another episode. Tom: A zigzag 10 31 that's right. I mean, not, not, not really, but you know, a different way to approach it. Okay. My, the next question I have here is what is a REIT or a real estate investment trust. Michael: Tom, do you want to take this one because you're kind of, you played in that space. Yes, you're right. My goal, I did play in this. I worked for a REIT. So a, a re is defined as a real estate investment trust. And essentially what it is is you're buying a percentage in a company, a collection of homes. So unlike buying an individual home and owning it in your name, you're just buying a percentage of this. And it's a REIT is a company that owns and operates and income producing properties. Uh, it is a way to be really diversified in that you're buying it. And you automatically kind of have access to all the markets that the portfolio of that REIT is in. I worked for a single family REIT, it's called Invitation Homes. It previously was Waypoint Homes, and then it got gobbled up by another company and became colony Starwood Homes, and then got gobbled up by invitation homes as businesses do. But it is a, an easy way to invest in real estate. You know, you're not investing directly into the individual assets, but you're investing into this pool of assets. Some other aspects about REITs is most of at least the single family REITs, they have a similar makeup in that they're all using about 50%. They all have a similar market footprint covering, you know, mainly the Southeast, the, the Florida, maybe Arizona, Texas, a very similar footprint up makeup. So an advantage of a REIT is you have great liquidity where you can get in and out very, very quickly. But what isn't as attractive as a REIT is you do not have the type of upside that you would on an individual property. It's ‘cause it's peanut butter spreading like the uber peanut butter spreading the risk. Something that also just kind of personal anecdote with a REIT is I, as I worked at this rate and I saw how the properties were performing and oftentimes the value of the rate, wasn't completely indicative of the performance of the property. Just the way that globalization has. There's, there's so many aspects that can affect a stock's price that doesn't have to do with the property. So, you know, one reason that I like to own property directly is the performance of the property is going to dictate the performance of the returns versus a lot of other stuff that's going on in the economy. So that's my 10 cents on a REIT. It is a publicly traded stock where you're buying a percentage of a collection of properties. Michael: Tom, you worked at the single family or read that own single family homes, but aren't there also REITs out there that own multifamily and commercial and kind of any kind of piece of property that exists. But is it fair to say that there's a REIT that probably owns that? Tom: That's right. Big multifamily data centers, hotels, offices, warehouses. So there's a lot of different flavors of reads and reads have been around for a while. Single family reads a pretty new just in that industry really came to fruition in the early mid 2010s. It's a relatively a baby versus some of the other types of REITs out there, but that's right. There are a REITs in all types of different flavors. Michael: Awesome. Thanks Tom: A few last points about REITs. So there are publicly traded REITs and these are REITs that are traded on stock exchanges. There are public non traded REITs, and then there are private REITs and with private rates, these are not registered with the sec and do not trade on any security exchange and typically require you to be an institutional or an accredited investor. So the last question that I have here is what is the best type of account for holding cash in preparation for investing or reinvesting kind of ties into reserves a little bit. I think that's typically in the same vein. Michael, do you want to take the initial stab at this? Michael: Yeah. I always think it's, whatever account can get you the best interest rate that's as safe, insecure as they come. And it's kind of a hotly debated topic. I posted about it on Twitter a while back about, Hey, if you've got 10 grand that you're saving for real estate investing, but you need 20 to get in. Do you place that in the stock market or do you place it in a savings account and some folks at stock market to grow it? Others said cash in the bank. I'm of the opinion that if you're looking to invest in real estate cash preservation is really important because as we've seen in the stock market, especially over the last couple of weeks, there are some major ups and some major downs. And so for folks that are willing to ride that rollercoaster, they might have a very different opinion because they have big potential upside. So that 10 grand could turn into 20 grand in a couple of weeks, a couple months, depending on how good the stock market does. I'm not willing to play that game because it could also go to zero. So I like sticking it just in a checking savings account, whatever gets the best interest rate and it's free to have. Tom: Yeah, I think convenience could be a factor. I think just like Michael said, liquidity of being able to move quickly. If I know that I'm not going to move to buy something in the next six months, I mean, I could put it in a CD if I'm feeling a little exotic, not that a CD is very exotic, but anyways, if you look around, there are great savings accounts that pop up every once in a while, I know a couple of years ago, allied bank had a 2% return and I think Marcus, it might've been Goldman Sachs. They turned them on at this great rate and they often will kind of flow back down as an initial kind of teaser to get people, to put their money there. But it's worth looking at that. And it's, this is a good personal preference answer. I'm in a similar vein as Michael, where I'll keep it in a savings account, but you know, if you want it to put it in some ETF, like that probably would be okay, there's been a little bit more volatility as of late, but if you know that you're going to be sitting for a while on that cash, it could make sense where you can get a better return somewhere else on what your risk threshold is. Risk tolerance. That's the word. Yes. Michael: Yeah. I was gonna say on that note, you know, I had a, um, like an eight or nine month time horizon. So I bought some municipal bonds or some or treasury bills that were like paying at the time, I think like 2% or like 2.05. Cause it was just a super short term. And if it was better than the point, Oh 1% of the bank offered so super safe, you know, relatively liquid investment that if you need to get out of you can. But yeah, that's all I wanted to say on that. Those are gonna be good options as well. Emil: I think it really matters on your situation. Like, let's say you have 5,000 bucks and you need to get to 20 K and you look at how much you're saving each month and it's going to take you three to four years, right? Like you're just not saving enough. I would say you, you have more to gain than to lose. It's just going to take you awhile. I would personally go put that in something where I can get higher yield. Yeah. It's you could call it gambling or whatever, but right now you're really trying to accumulate capital. You don't have as much to lose. I, I would try to bank roll that into something bigger. And that's, I'm speaking from that personally. That's like how I bought my first property. I invested some money in the stock market invested for a couple years, got lucky and cashed out and bought some rental property. I mean, but if you're like looking to buy the next six to 12 months, I personally wouldn't want to take that gamble with such a short time horizon. I would just be putting it in the savings account. I would even say like the account type, even just like find a savings account, all these banks right now, they're pretty close to one another. And the interest rate they're giving you is nominal because of how like interest rates are so low right now. I think I looked at my savings account. It was like 0.65% annual yield. It's like, it's irrelevant. You're not, you're not getting really any yield there. It's just cash preservation like Michael mentioned. Right? So if your time horizon is short, you just are saving cash to deploy in the next six, 12. I just put in a savings until you get to the, the amount you need to invest. Michael: That's such a good point in the order to make that you have in that instance, more to gain than you do to lose. If you've got a long enough time horizon and you're playing with the smaller amount of money, as long as you're not needing that money to pay your bills or whatever, that's purely allocated for investing. I think that's a really good point and something definitely to consider for each individual. Tom: All right, last question for the day is for this episode, is, are there any litigious trends against landlords? How likely is it to be sued? I'll kick this one off and say that, you know, this is not legal advice. This is, we're just talking from our own personal experiences within my portfolio. I've never dealt with any litigious issues. When I worked at one of these REITs, that own thousands of homes, we had some stuff pop up, but I think sometimes there are people that would see the big company and, you know, they would see it as an opportunity to come at them. So I'm not going to say that it doesn't happen, but I haven't seen or heard of any litigious trends happening within my experience. Haven't been sued or had any of those types of issues. Let's pass this off to one of the other hosts. What are your, what are you guys? Michael: I think he talked to anybody in this space, any professional in the space, they've got stories, then you hear about, it's a very litigious environment. And we know this, the U S is often referred to as a very litigious country. People are often suing each other for all kinds of reasons. And so I personally knock on wood. I have never been involved in a super, my older brother has, he was served actually, um, for a kind of ridiculous thing, ended up getting dismissed by the judge because it was somebody trying to make a cash grab and, and didn't really have much to their claim, but this kind of stuff happens at any time and we're in a people business. And so people do stupid stuff. People do all kinds of crazy stuff. And so you can only control what you're doing. And so protecting yourself from those types of litigations, I think is really important. And so just make sure you're doing your homework and talk to professionals about what it is you can do to set yourself up for success. Tom: And this is another annual episode, shout out to making sure that you, you know, you have a good property manager and a reputable property manager. Cause if I know if I were to have any sort of litigious issues, like they would be on the front lines of, of managing that with the tenant or the person living there at the property, they're really their first line of defense of deescalating, any types of issues and managing that. So shout out to getting a good property manager and vetting your property manage. Emil? Emil: I think this question kind of gets that too. Like, do I need an LLC? Do I need umbrella insurance? Like what all the different ways I can protect myself. And just, again, speaking from personal experience, first property I bought where I knew like most of my net worth, I hadn't really generated any wealth yet and still haven't generate anything meaningful. But I think again, when you have less to lose getting caught in the weeds and all these things, like you can just get brain damage from all the different ways to protect yourself when you don't really have a ton yet that needs protection. Again, personal experience, as you start acquiring more, as your wealth goes up and you have more things to lose, this is when it's like, you need like a real estate attorney having all these different protections, I think matter more and more and more like as you're, you're playing a lot of offense early on. And then as things grow, it is really about preservation and not losing what you've built. That's at least the way I've, I've kind of approached these things. Michael: It's such a good point and that's kind of the second time you've made it as is what's what's the risk. And so I come from the insurance world, we always ask ourselves, okay, what's the risk when we're making a decision? What's the bet, how big of a downside is it? And if it was a $1 billion semiconductor plant that was going to burn down or not based on the decision we made, we're going to spend a lot of time evaluating and analyzing that decision with a microscope and a fine tooth comb, if it was a $10,000, uh, swing one way or the other, which in the insurance world is not a big deal. We would just make a decision and move on because the impact wasn't really meaningful, same thing with your, with your personal finances. If the impact is not going to be significant make a decision and move on. And I also want to caution people. There are tons of snake oil salespeople out there that are trying to use scare tactics, to get people, to buy products that they really don't need and protect themselves that they don't need. I remember talking to somebody a few months ago, they were talking about setting up series LLCs and Delaware trust and all this kind of stuff. And I was like, great. How many properties do you own? Well, none I haven't bought any yet. Okay, well, let's use that money to maybe go buy the property first. And then we can talk about all that type of protection. And that's not to say, don't protect yourself on the front end, don't do your homework if you're small, quite the opposite, you need to be informed, but you also need to understand what's overkill. And there's absolutely a point where you can be over insured and deciding for yourself as an individual is what's important because I can't tell you Tom or Emil, if you're over insured or not, if you feel comfortable, great, that's what matters. Doesn't really matter what I think. But I would say that there are, there are things out there and there are tactics being used out there to scare people into buying products that they probably don't need. Tom: Alright guys ready for the fun end of the episode, get to know the host. Emil: Let's do it. Michael: Totally. Tom: Alright, so get your phone out. This is going to be the exercise. You're going to go to your phone. You're gonna go to settings. I want you guys to talk about… Michael: If you make me change my language is something I don't understand I'm going to be really upset. Tom: Yeah. So click on settings, click on settings. And then you're going to click on screen time, which is below notifications. Okay. And then you're going to click on, see all activity. And you're going to look at your most used apps and we're going to talk very quickly on our top two most used apps. You can't count messages or Gmail or whatever, like the nonstandard apps. And so I'm looking at mine right now. I'll go first, my top two, Audible, I had a little bit of a car ride and I'm, that's one of my most recent ones. The audio book, one shout out to Eric Larson. That guy is such a, he writes these historical stories that are really awesome. He wrote this one called devil in the white city, the splendid and the vial is the one on audible. I'm listening right now. It's about Churchill and world war II. And what a neat dude. And the other one I've let's see, go ahead. Michael: Any relation to Gary Larson? Tom: I don't think so. Eric Larson. Super interesting guy. So, and the other one I've been using is downward dog. It's this yoga app, but like what? It creates a new routine every time, but it's you like set these settings like, Oh, do you want to be really tired at the end? Or do you want to as a more mellow and then you pick how long it is. And it's probably my favorite, one of those types of apps. So downdog is what it's called. Shout at the down dog. Emil you're up. What's your two most, Oh, sorry. Go ahead. Grill me. Go ahead. Michael: I wanted to say, before a meal goes, I want to know too, in addition to the, the top two, what's your daily average screen time? Tom: It one hour and 48 minutes. Oh, that's a good one. Yeah. You guys got to answer that. I have a big advantage in that I had my phone hidden for like four days last week. So I was just taking a break. If you guys are over that you guys are using way too much phone time. Emil: I feel like this is going to be very, very easy for you guys to guess mine. Top two. I'm going to say Twitter and Gmail. No, it can't be email. Yeah, exactly. No messages, no GMO, no phone. It has to be like apps, Pierre: Wave tracker or some other surf app? Michael: Oh, just apps. Okay. Twitter and boy littering and littering it right on Twitter. Twitter by LinkedIn. Instagram. No, I don't have, I deleted my Instagram. LinkedIn is Facebook. Worst list. I deleted Facebook off my phone surf line guys. Come on. Pierre: I said wave trackers. Emil: Oh, you did? You were muted. Okay. So yeah, surf line. So Twitter and surf line. I am very predictable. And uh, yeah. So that's me and Twitter by a large margin. Michael: What's your daily average use? Emil: Two hours and 45 minutes. Tom: That's not bad at all. I, I bet you mine is normally way over. If I didn't have my phone hitting hidden from me, Emil: I've been trying to, I think some weeks it goes three and a half plus, but I've been trying to make a more conscious effort to like, not be on my phone, especially when I'm hanging out with my family it away. Yeah. Right. Michael your turn. Yup. Michael: All right. So we said nail apps don't count. Tom: Nope. You can't repeat one that Emil has picked. Emil: No I want to know if Twitter if it's on there. Michael: Yeah Twitter is my, it is my number two. Okay. Twitter is my number two. Let's see. Photos is the next, which isn't really an app. Facebook is next. I get a lot of, I like reading news stories on Facebook so that, yeah, Twitter and Facebook are my two. Tom: I like it. Right. And my daily average is one hour and 14 minutes. Emil: Oh my God. One 14. You're on Twitter or you just Twittering on your desktop. Michael: Yeah. I, I am. I do Twitter on my desktop. I do tweet from my desktop occasionally, but yeah. I try to not be on my phone a lot and I'm just constantly, I do a lot of work from the computer. So I think that's probably why I like, to be honest, I just make phone calls a lot. Um, yeah. I try to, I try to keep the phone away as best as I can. Tom: I like it. Alright Pierre? Pierre: I'm not seeing that option in my settings? Tom: Are you on an iPhone? Pierre: No I am on an android. Tom: Oh. Pierre: Nobody's perfect. Tom: That good news. You get to make up whatever you want. Pierre: That's true. What do you think your top two? Emil: What do you think? You probably know what apps are. Pierre: I have to say YouTube and either Google podcasts or Audible. Tom: And what do you think your average screen time is? Pierre: I don't know. A couple hours. I use my phone quite a bit. There's gotta be a way to tell that. I guess I don't track that stuff. Emil: Pssht, androids… MIchael: I remember my first smartphone. Emil: You don't, you don't even want to get into it with Pierre he will just tell you you're a, you're an Apple sheep. Pierre: No, there's some good things about Apple. Emil: Oh yeah. Just cause we're recording. It's just cause we're recording. Pierre: I'm about to put some new ram in my computer and I was considering getting an Apple until I realized I can't put more ram in an Apple, and I was like, get the hell out of here. Michael: Yeah. It's factory set. Right? You can't, there's not a whole lot of changes you can do. I think that's the big draw for non-Apple products, right? It's just a bit more customizable. Tom: I mean, if most of the software you use is like Gmail, YouTube, Chrome. Like why not go, go straight to the source, you know, and have Android. I've always thought about switching to Android. And I think at some point I will. I just get used to the, the smooth iPhone functionality Pierre: And also the power per buck. You know, the amount of power you can get per buck with a PC as opposed to an Apple for me, it's just a pretty great thing. Just get more value out of a smaller down payment. Michael: That make sense. Tom: All right guys. Well that wraps us up for today. We would appreciate it. If you like the episode to give us a rating and subscribe as always, this episode is brought to you by the Roofstock Academy. Roofstock Academy, your one stop shop for all things, getting to the next level in real estate, we have over 50 hours of on-demand lectures. We've got coaching. We've got really cool book clubs where we bring the author in, which is really fun. We sometimes do that. I hope to do it all the time and a really awesome Slack channel where you can get real time conversations with other folks in the program with the coaching, all that good stuff. And last but not least, we have $2,500 of credits back if you buy on Roofstock. So the program costs $1,250. And if you buy on Roofstock, you get $500 cash back for five transactions, totaling $2,500. You're actually making money. It's kind of like a buyer reward program. You can think of it that way. So we hope you liked this episode and happy investing!
Ouverture de l’émission avec Sophie Durocher. LCN en direct. Vincent Dessureault couvre les dernières nouvelles concernant la pandémie de coronavirus : 92% des canadiens disent avoir confiance en les institutions gouvernementales, mais seulement 50% envers les médias d’information ! Entrevue avec le Dr Gaétan Barrette, député de La Pinière et ex-ministre de la Santé et des services sociaux : Réax sur le texte du Journal: « La réforme Barrette a eu un impact négatif sur la santé publique ». Entrevue avec Arsène Basmadjian, président de l’Association des cardiologues du Québec : Les dommages collatéraux de la COVID-19 se font déjà sentir dans les hôpitaux du Québec, une recension de cas préparée par l’ACQ révèle déjà des décès et de graves séquelles en raison du report d’activités hospitalières non urgentes et de la phobie du virus dans la population. Entrevue avec Jasmin Lemieux-Lefebvre, consultant en communication, il habite à Varsovie avec sa famille depuis août dernier : Phase 1 du déconfinement en Pologne. Une production QUB radio Avril 2020
Entrevue avec Arsène Basmadjian, président de l’Association des cardiologues du Québec : Les dommages collatéraux de la COVID-19 se font déjà sentir dans les hôpitaux du Québec, une recension de cas préparée par l’ACQ révèle déjà des décès et de graves séquelles en raison du report d’activités hospitalières non urgentes et de la phobie du virus dans la population.
Learn outside of camp, to lead at camp.Following along with our last episode’s theme of learning, we wanted to bring this podcast episode to you at a time where you may be planning your professional development for the year. However, even if you aren’t, it’s never too early or late to start thinking about how to invest in your professional development.Watch out though! It’s easy to get stuck in the camp body of knowledge when you’re trying to be better for your job and for your camp. It’s good to stay up to date with the latest in all things camp, but it’s important to think about reaching outside the industry as well. The best camp pros take inspiration from many places and if you’re Joe, Gab, and Travis, those places can get VERY cool!Conferences or opportunities that the hosts talked about on this episode:Free - Mastermind groups with fellow Camp DirectorsFree (ish) Creative Live - Free courses on all things creativeFree - Finding blogs to follow non-camp peopleFree - JournalingFree - Taking up a hobby that can also help camp$ - CampMavericks.com - Ongoing, for life!$ - ThinkCamp - Nov 26-28 - London, Ontario$ - Touring a bunch of summer camps in a region to learn directly from the directors$ - Online Courses - Skill Share - Especially for creative tasks.Possibly free through your local library (https://www.lynda.com/)$$ - Seth Godin’s Akimbo Workshops$$ - Your local or regional ACA, OCA, ACQ, Religious denomination or association conferences$$$ - Seth Godin’s Alt MBA$$$ - Nonprofit Story Telling Conference - Oct 28-30 - San Diego, CaliforniaWhat do you consider professional development? Any wicked conferences to plug? Let us know in the comments!Tool of the Week – Make Yourself a Better Camp DirectorTravis: Superfans by Pat Flynn https://amzn.to/30aNepxGabz: DYI Standing Desk, or Top 5 Standing DesksJoe: Photo Resize: http://www.rw-designer.com/picture-resizeYour Hosts:Travis Allison, Summer Camp Consultant - CampHacker.TV, Founder at Go Camp ProGabrielle Raill, Camp Director - Camp OuareauJoe Richards
After a brief explanation for technical difficulties and missing audio by our host, here we continue Acq. Inc.: Akkadia! The party grills a courier, obtains the information they were seeking, and makes preparations to leave the City. The party members spend some time doing team-building exercises about town, and a way to make money is finally devised.Check out our Patreon and our Instagram!Host, Dungeon Master, and Editor: Peter JohnsonVisual Artist and Musician: Carl BeluePip Hiltfray is portrayed by Carl BelueLilith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here we continue Acq. Inc.: Akkadia! After some thorough questioning, the players' captive orc reveals a dramatic secret! Will they finally uncover the mystery behind this artifact heist? Man, it's been a long 24 hours.Check out our Patreon and our Instagram!Host, Dungeon Master, and Editor: Peter JohnsonVisual Artist: Carl BeluePip Hiltfray is portrayed by Carl BelueLilith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here we continue Acq. Inc.: Akkadia! The players make their way to the Lazy Donkey, intercept the Dran Enterprises liaison, and everything goes perfectly according to plan. We promise. Check out our Patreon and our Instagram!Host, Dungeon Master, and Editor: Peter JohnsonVisual Artist: Carl BeluePip Hiltfray is portrayed by Carl BelueLilith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here we continue Acq. Inc.: Akkadia! Will Rolf be successfully handled? Who will the new majordomo be? And what will our heroes do with the zombie corpses? Find out these things -- and more -- THIS TIME ON CHARISMA CHECK PODCAST!Check out our Patreon and our Instagram!Host, Dungeon Master, and Editor: Peter JohnsonVisual Artist: Carl BeluePip Hiltfray is portrayed by Carl BelueLilith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here we continue, Acq. Inc.: Akkadia! Our characters interrogate Rolf "Punchy Boy" Farlight and figure out that this sought-after artifact might not be a fairy tale after all. With this new information, an Official Official Meeting is called and the interviews for the majordomo position will be set in motion very soon.Check out our Patreon and our Instagram!Host and Dungeon Master: Peter JohnsonPip Hiltfray is portrayed by Carl BelueLillith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here we continue, Acq. Inc.: Akkadia! Finally the wait is over, the interviewers are here and it's gonna be a wild ride. Are these new candidates right for the job? Is Rolf a free man? Find out this time on Charisma Check: Episode 6, Oboe Oh No!Check out our Patreon and our Instagram!Host and Dungeon Master: Peter JohnsonVisual artist and editor: Carl BeluePip Hiltfray is portrayed by Carl BelueLillith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here begins Acq. Inc.: Akkadia! Our players meet one another for the first time, and head to the Acq. Inc. liaison. Who is this mysterious man?Check out our Patreon and our Instagram!Host and Dungeon Master: Peter JohnsonPip Hiltfray is portrayed by Carl BelueLillith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here begins Acq. Inc.: Akkadia! Our players inherit a mysterious historical property, and encounter some uninvited guests.Check out our Patreon and our Instagram!Host and Dungeon Master: Peter JohnsonPip Hiltfray is portrayed by Carl BelueLillith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here we continue, Acq. Inc.: Akkadia! Have our players met there match? Already? Are our heroes any good at interrogation? Host and Dungeon Master: Peter JohnsonPip Hiltfray is portrayed by Carl BelueLillith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here we continue, Acq. Inc.: Akkadia! Very descriptive dossiers, dope apples, and ghost elves? What have our characters gotten themselves into? Have the sleeping arrangements finally been sorted? Will Rolf "Punchy Boy" Farlight ever get out of the vault? Find out this time on Charisma Check: Episode 4, The Spooken'ing!Check out our Patreon and our Instagram!Host and Dungeon Master: Peter JohnsonPip Hiltfray is portrayed by Carl BelueLillith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
Here we continue, Acq. Inc.: Akkadia! Breakfast anyone? With a hearty meal to start there day, our adventurers eagerly await the upcoming majordomo interviews. Is there a deeper story to these apparitions? Will everyone be prepared in time for these new majordomo candidates? Were the corpses ever cleaned up? Find out this time on Charisma Check: Episode 5, Omelettes up!Check out our Patreon and our Instagram!Host and Dungeon Master: Peter JohnsonPip Hiltfray is portrayed by Carl BelueLillith is portrayed by Chris CashHawthorne Flaxtop is portrayed by Nathan WintermuteAizen Cruxis is portrayed by Jacob Frank
The Gardening with Joey & Holly radio show Podcast/Garden talk radio show (heard across the country)
Replay of segment of The Wisconsin Vegetable Gardener Radio Show from 4-13-19 In segment 2 Joey and Holly talk about how to build raised beds correctly Heard on 860AM WNOV & W293cx 106.5FM Milwaukee, WI Saturday mornings 9-10AM CST Heard on WAAM 1600 AM Ann Arbor, MI Sundays 7-8AM est Heard on WWDB 860 AM Philadelphia, PA Sundays 7-8AM est Heard on KMET 1490 AM Tuesdays 9 - 10 AM pst Banning, CA listen here during show hours for your station: WNOV https://tinyurl.com/y8lwd922 WWDB: https://wwdbam.com/ WAAM https://tinyurl.com/p68cvft Check out https://thewisconsinvegetablegardener.com/ Contact Joey and Holly: Email them at TWVGshow@gmail.com Reach the show anytime through the Instant access text hotline 414-368-9311 Thank you for listening and downloading the show. In segment 2 Joey and Holly talk about how to build raised beds correctly Rootmaker has 4 x 4 ft 12 in ht and 2 x 4 12in ht to 36 inches x 15 in height 60 gallon grow bags, beds 1. Untreated or *treated lumber cider *Back in the 90s wood was treated with very Arsenic, that has been changed is treated with ACQ, for alkaline copper quaternary. The wood meets the same standards for above ground and ground contact as arsenic-treated wood. It is safe for use in raised bed the plastic deck lumber I think would heat up to much and heat the soil as well not a bad thing in the early or late part of the year but during the hot summer in may not be good for the soil. Paint the wood. AS high as you want but not shorter than 8 inches no root crops 10 to 12 for root crops 2 Make the bed a wide as you can reach half way on each side typically that is 2 foot x 2 4 food wide put something down so you don't have weeds 3, Plan for irrigation even if you don’t think your going to have system 4. Spacing of your beds 2 ft apart or 3 or 4 ft if our going to be using a wheelbarrow or chart 5. Do not add garden soil to the bed reach out to your local independent garden center (here in Milwaukee that is Bluemel’s landscape and garden center) as they will have a mix in bulk that you can fill the beds with Additionally this about making hoops to extend your season in spring and fall keep up to date with shows here https://thewisconsinvegetablegardener.com/radio-2/ check out highlights of past show podcast and video https://thewisconsinvegetablegardener.com/video-series/highlights-podcast/ Tweet us at #twvg or @twvgshow The show runs March - Oct Check out the following sponsors that make the radio show possible: Thank you Power Planter of www.powerplanter.com IV Organics of www.ivorganics.com Dr. Earth of www.drearth.com organic Root maker of www.rootmaker.com Flame Engineering Inc. of www.flameengineering.com Use coupon code WVG19 to get free shipping. Pomona Universal Pectin of www.pomonapectin.com Bobbex of www.Bobbex.com: Beans & Barley of www.beansandbarley.com MIgardener of www.MIgardener.com Outpost Natural Foods Co-op of www.outpost.coop Root Assassin of www.rootassassinshovel.com . Handy Safety Knife of www.handysafetyknife.com Use promo code WVG to get 10% off &free shipping one time use only BioSafe of www.biosafe.net Save 10% on your next order use coupon code TWVG at checkout Chapin Manufacturing Inc. of www.chapinmfg.com Pro Plugger of www.proplugger.com Dharmaceuticals of www.dharmaceuticals.com Soil Savvy of www.mysoilsavvy.com Use coupon code TWVG19 to save 10% at checkout Tomato Snaps of www.tomatosnaps.com Drip Garden of www.dripgarden.com Drip Garden The Madison Greenhouse Store of www.madisongreenhousestore.com Standard Process Inc. of www.standardprocess.com Big Fat’s Hot Sauce of www.bigfatshotsauce.com Soil Diva of www.soildiva.net World’s coolest floating rain gauge of www.WorldsCoolestRainGauge.com Clyde’s vegetable planting chart of www.clydesvegetableplantingchart.com NuNu Natural Healing of www.nunuhealing.com RowMaker of www.rowmaker.com Eco Garden Systems of www.ecogardensystems.com Use coupon code (wiveg2019) and get $295 off the list price of $1,695 PLUS free shipping (a $250 value). Shield n seal of www.shieldnseal.com Bluemel's garden & landscape center of www.bluemels.com Phyllom BioProducts of PhyllomBioProducts.com Norwalk juicers of www.norwalkjuicers.com Use coupon code Garden talk Free Continental US shipping on the Model 290 Juicer Tree Ripe of WWW.tree-ripe.com Hydrobox of https://gohydrobox.com/
The Gardening with Joey & Holly radio show Podcast/Garden talk radio show (heard across the country)
Replay of The Wisconsin Vegetable Gardener Radio Show from 4-13-19 Heard on 860AM WNOV & W293cx 106.5FM Milwaukee, WI Saturday mornings 9-10AM CST Heard on WAAM 1600 AM Ann Arbor, MI Sundays 7-8AM est Heard on WWDB 860 AM Philadelphia, PA Sundays 7-8AM est Heard on KMET 1490 AM Tuesdays 9 - 10 AM pst Banning, CA listen here during show hours for your station: WNOV https://tinyurl.com/y8lwd922 WWDB: https://wwdbam.com/ WAAM https://tinyurl.com/p68cvft Check out https://thewisconsinvegetablegardener.com/ Contact Joey and Holly: Email them at TWVGshow@gmail.com Reach the show anytime through the Instant access text hotline 414-368-9311 Thank you for listening and downloading the show. Topics: Joey and Holly talks Talk about in segment 1 - Why we do not till our garden 1. We don’t own a tiller yes we could borrow or rent one but that not the reason we do not till Tilling Creates Major Weed Problems Want less weeds? Then stop Rototilling. 2.Rototillers cause more weeds than they ever come close to eliminating. 3. Tilling Creates The Problem Of Bare Soil When it comes to preparing beds for planting, leaving the soil bare causes a whole slew of issues that go beyond leaving an opening for weed seeds to find a home. Exposed, barren soil is primed and ready for erosion. Heavy rains leach vital nutrients from bare soil with ease. And even slight winds can carry the top 1/8 to 1/4 inch of exposed garden soil away as well. If that isn’t enough, bare soil dries out quickly. And when it does, it leaves plants thirsty in a hurry. Nicely tilled rows between plants might look “well-kept”, but in reality, they really lead to more weeds, and a loss of critical topsoil and water. 4. Tilling Destroys Soil Structure Healthy soil is all about structure. Great soil is filled with billions of helpful bacteria, worms and microorganisms. And, it should also contain all types of organic matter in various stages of decay. All of the above play a huge role in bringing and supplying nutrients to your plants. The little bits and pieces of organic matter and organisms work together to allow water, air and nutrients to be absorbed by roots. Unfortunately, tilling the soil destroys that entire symbiotic process. As soil is tilled over and over, the all-important soil structure is compromised. In addition, the active life in the soil (worms and organisms) are disrupted and exposed. 5 Soil Compaction – Stunting Plant Every time you walk near the plants in your garden, you compress the soil. And when that soil is pulverized and loose, it compacts even easier. Compacted soil around the roots causes big problems for plants. It makes it harder for water and air to get through – resulting in under performing plants Poor structure also makes it difficult for the soil to retain moisture – also a critical factor in a plant’s growth and success. And last – whether you have a rear tine tiller, front tine tiller – you still have to walk behind it or beside it – compacting even more of the very soil you are trying to break up. 6. Tilling Can Delay Garden Season If the four reasons above aren’t enough to keep from tilling the garden, here is one final reason to avoid the tiller when preparing garden beds for planting: waiting for the soil to dry out! How many times have you heard someone say “I couldn’t get my tiller in the soil until late Spring because it was so wet.” With a no-till approach, your soil structure drains better and can be worked sooner. It also leads to earlier harvest times because the plants can go in sooner.Beyond that, tilling at the wrong time creates serious additional damage to the soil structure. If it’s too wet, it results in clumpy and muddy soil. Too dry, and the rototiller destroys the little soil structure remaining. Both issues make it harder for the soil to hold in moisture and nutrients. The result? The need for more watering and fertilizers for the soil to make up for the lack of naturally available nutrients. It becomes a vicious cycle that causes more work for the gardener. 7. The Answer To Preparing Garden Beds For Planting Successfully So what is the best solution for preparing garden beds for planting? It all starts with using mulch in place of the tiller to stop weeds. And using cover crops every fall to keep your garden covered and rejuvenated. In segment 2 Joey and Holly talk about how to build raised beds correctly Rootmaker has 4 x 4 ft 12 in ht and 2 x 4 12in ht to 36 inches x 15 in height 60 gallon grow bags, beds 1. Untreated or *treated lumber cider *Back in the 90s wood was treated with very Arsenic, that has been changed is treated with ACQ, for alkaline copper quaternary. The wood meets the same standards for above ground and ground contact as arsenic-treated wood. It is safe for use in raised bed the plastic deck lumber I think would heat up to much and heat the soil as well not a bad thing in the early or late part of the year but during the hot summer in may not be good for the soil. Paint the wood. AS high as you want but not shorter than 8 inches no root crops 10 to 12 for root crops 2 Make the bed a wide as you can reach half way on each side typically that is 2 foot x 2 4 food wide put something down so you don't have weeds 3, Plan for irrigation even if you don’t think your going to have system 4. Spacing of your beds 2 ft apart or 3 or 4 ft if our going to be using a wheelbarrow or chart 5. Do not add garden soil to the bed reach out to your local independent garden center (here in Milwaukee that is Bluemel’s landscape and garden center) as they will have a mix in bulk that you can fill the beds with Additionally this about making hoops to extend your season in spring and fall In Segment 3 Joey and Holly welcome their guest Author Maia Toll of https://maiatoll.com/ Maia Toll is an Herbalist, storyteller, follaoriste, and woman’s wisdom mentor show opened her natural product shop Herbiary herbiary.com after returning from a year long apprenticeship with a traditional healer in Ireland. She is a registered herbalist with a the American Herbalists Guild and teaches across the globe.she has a new book out entitled The Illustrated Herbiary Guidance and Rituals from 36 Bewitching Botanicals https://maiatoll.com/ 1.Let start with what is a Herbalists ? 2.Herbs are becoming very popular - a herbal come back so to say but you disagree you say they have always been here - why do you say that? 3. What is the correct way to make a herbal tea and why is it better than normal tea ? We are talk with Maia Toll is an Herbalist, storyteller, follaoriste, and woman’s wisdom mentor 4. Let's talk about some of the benefits of plants we grow in our garden and you talk about these in your book The Illustrated Herbiary Rosemary Roses Dandelions 5. Where can our listeners find more about you and get your book? In segment 4 Joey and Holly answer your garden questions 1 Q - If I stack one bale on top of another. Would I condition the bottom bale also? Could I put off planting since the bale would be sitting conditioned for 3-4 weeks before planting? A - if you stacked the bales you would not condition the bottom one. You would also want to put The bottom bale on its side, so the cut side is perpendicular to the ground. The one you plant you want the cut side up - so when youre looking down on it you can see the straws. If you condition the bale and then the weather turns bad and you have to wait a couple weeks that is fine too. Q: 2 I have this shady balcony in our home that receives only direct morning sunlight, do u think could grow rhubarb over there?? Also I'm a zone 11 A:Rhubarb grows in zone 2 to 8. It requires an extended chilling period below 40 degrees F, in order to produce stems after winter. It can be grown as an annual from seed in zones 9 and 10, but the stalks will be smaller and less robust. There are several common varieties of rhubarb available to the home gardener. Comment Barbara Would say you planted them full moon they will come up as do tuplis or other bulbs planted in full moon my grandfather taught me that as a child goes for fence post roofing too Q. Some of our herbs and other plants (as well as flowers) were also attacked by Asian (Japanese?) beetles last year. What do you suggest to use to keep those away? A:One thing you can do is use the japanese beetle traps but dont put them in your garden, put them at the opposite end of your yard. This will trap them, but not attract them to your garden. or this website has products to help control japanese beetles without harmful chemicals. http://www.phyllombioproducts.com/products.html Q: We am looking to invest some garden space for perennials - I have a small urban backyard We just bought a house and we are thinking strawberries, asparagus, or berry bushes.Since we don’t have a lot of space, is it smart to grow perennials that will take up a permanent spot for many years keep up to date with shows here https://thewisconsinvegetablegardener.com/radio-2/ check out highlights of past show podcast and video https://thewisconsinvegetablegardener.com/video-series/highlights-podcast/ Tweet us at #twvg or @twvgshow The show runs March - Oct Check out the following sponsors that make the radio show possible: Thank you Power Planter of www.powerplanter.com IV Organics of www.ivorganics.com Dr. Earth of www.drearth.com organic Root maker of www.rootmaker.com Flame Engineering Inc. of www.flameengineering.com Use coupon code WVG19 to get free shipping. Pomona Universal Pectin of www.pomonapectin.com Bobbex of www.Bobbex.com: Beans & Barley of www.beansandbarley.com MIgardener of www.MIgardener.com Outpost Natural Foods Co-op of www.outpost.coop Root Assassin of www.rootassassinshovel.com . Handy Safety Knife of www.handysafetyknife.com Use promo code WVG to get 10% off &free shipping one time use only BioSafe of www.biosafe.net Save 10% on your next order use coupon code TWVG at checkout Chapin Manufacturing Inc. of www.chapinmfg.com Pro Plugger of www.proplugger.com Dharmaceuticals of www.dharmaceuticals.com Soil Savvy of www.mysoilsavvy.com Use coupon code TWVG19 to save 10% at checkout Tomato Snaps of www.tomatosnaps.com Drip Garden of www.dripgarden.com Drip Garden The Madison Greenhouse Store of www.madisongreenhousestore.com Standard Process Inc. of www.standardprocess.com Big Fat’s Hot Sauce of www.bigfatshotsauce.com Soil Diva of www.soildiva.net World’s coolest floating rain gauge of www.WorldsCoolestRainGauge.com Clyde’s vegetable planting chart of www.clydesvegetableplantingchart.com NuNu Natural Healing of www.nunuhealing.com RowMaker of www.rowmaker.com Eco Garden Systems of www.ecogardensystems.com Use coupon code (wiveg2019) and get $295 off the list price of $1,695 PLUS free shipping (a $250 value). Shield n seal of www.shieldnseal.com Bluemel's garden & landscape center of www.bluemels.com Phyllom BioProducts of PhyllomBioProducts.com Norwalk juicers of www.norwalkjuicers.com Use coupon code Garden talk Free Continental US shipping on the Model 290 Juicer Tree Ripe of WWW.tree-ripe.com Hydrobox of https://gohydrobox.com/
Galloping Ghost Arcade owner Doc Mack is accompanied by former Gamer of the Year Pete Hahn to cover recent happenings and topics from Galloping Ghost Arcade including: recent high scores/world records set at the arcade, cabinets upgrades, upcoming events, and arcade news in general. Also covered in depth is the GGA acquisition of Aurcade, the leading arcade finder and scoring house. ---- Show Links ---- Steven Lucas article: http://myjournalcourier.com/news/104469/still-in-the-game-25-years-later-national-champ-keeps-aiming-for-the-top Pete Hahn featured on Walter Day's Trading Card spotlight: http://thewalterdaycollection.com/articles/trading-card-spotlight/122-trading-card-spotlight-pete-haan GameSpot article featuring MK actors and GGA's Kombat Kon: http://www.gamespot.com/gallery/see-what-the-cast-of-mortal-kombat-looks-like-toda/2900-993/?ftag=ACQ-07-10aae5e&vndid=1858288262&ttag=gs-fbm-1218&nan_pid=1858288262 Team RipSet interview at GGA with Daniel Pesina: https://www.twitch.tv/videos/115938340 Geeks Mania: http://www.geeksmania.com/ Larry DeMar Step Up for Kids Charity: http://foundation.luriechildrens.org/site/TR/Events/StepUpforKids?px=1581554&pg=personal&fr_id=1680 Galloping Ghost Arcade Instagram account: https://www.instagram.com/gallopingghostarcade/ GGA Harcore Belt 1st Challenge: https://www.youtube.com/watch?v=F5ICrsiQ11s&t=1s Check out Scott Lambert's awesome arcade in West Dundee, Underground Retrocade: http://undergroundretrocade.com/ Battle of the Arcades: https://www.facebook.com/battleofthearcades/?hc_ref=SEARCH Aurcade: http://aurcade.com/ Thanks for listening!
Jason Falls is a digital marketing expert who manages the digital strategy and business development for clients at Elasticity. He has also written two books and is a decorated speaker. Jason shares more of his expertise on his popular industry blog SocialMediaExplorer.com (Acq. 2015).
Ever wonder what goes on behind the scenes of a Government source selection? In this episode Kevin and Paul provide a glimpse behind the curtain and answer a listener’s questions about the source selection process....
Objective: Irritability is often linked with problem drinking. The aim of this study is to examine the possible influence of irritability on craving induced by a cue-exposure paradigm. Methods: 30 male abstinent alcoholic inpatients of the Psychiatric Hospital of Munich University, Germany gave answers to a series of personality questionnaires. Results of this study concerning the impact of aggressivity on craving for alcohol has recently been published. In this study, the subjects were subdivided into a low- and a high-irritable group based on their scores on the irritability subscale of the Buss-Durkee Hostility Inventory and were exposed to alcohol cues. Craving was measured by means of the Alcohol Craving Questionnaire (ACQ) and Visual Analogue Scales (VAS). The heart rate was also assessed throughout the whole process. ANCOVA for repeated measurement was employed to evaluate the data - irritability disposition as the between-subject factor and the experimental manipulation (absence vs. presence of alcohol cues) as the within-subject factor. Results: Major findings are: (1) main effects of irritability on `emotionality', `purposefulness', and `expectancy' of the ACQ as well as on `craving for alcohol' of the VAS were significant; (2) cue exposure also exerted a significant main effect on I craving for alcohol' of the VAS and on the heart rate after the presentation of alcohol cues; (3) on `compulsivity' of the ACQ and `intention to alcohol intake' of the VAS; there was a significant interaction between irritability and cue exposure. The high-irritable alcoholics, compared with their statements in the baseline, tended to report a higher control over alcohol intake and a lower intention to alcohol use after cue exposure. However, after confrontation with alcohol stimuli, their low-irritable counterparts reported a much lower control and a slightly higher intention than they did in the baseline. Conclusions: The results of this study indicate that induced craving in hospitalized alcohol addicts probably varies with the magnitude of their irritability; it might make patients more aware of their vulnerability to alcohol, help them develop more differential coping strategies and improve medical therapy against alcohol craving. Copyright (C) 2002 S. Karger AG, Basel.
The role of aggressivity and cue exposure in induction of craving were investigated in a clinical setting. Thirty abstinent alcoholic patients were divided into a low and a high aggressive group based on scores on the physical aggression subscale of the Buss-Durkee Hostility Inventory and exposed to alcohol cues. Craving was measured by means of the Alcohol Craving Questionnaire (ACQ) and Visual Analogue Scales (VAS). Important findings are: (1) main effects of aggressivity on `emotionality', `purposefulness' and `expectancy' of ACQ were very significant; (2) on `drinking intention' and `craving for alcohol' of VAS, aggressivity and cue exposure showed a significant interaction; (3) the main effect of cue exposure on heart rate also reached a significance level of 0.007. The results were discussed in the context of the Classical, Operant Conditioning Theory, the Cognitive Craving Theory of Tiffany, Gilbert's STAR Model, and the Self-Medication Hypothesis Copyright (C) 2001 S. Karger AG, Basel.
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