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Derek Moore is back to discuss markets, volatility, and the economy through the prism of intra year drawdowns, Spot VIX vs Vix Futures prices, and LEI or Leading Economic Indicator. Why are the Fed's Dot Plots useless (still). Thoughts on the idea that Buffered strategies don't beat the market. How different markets have performed since the first Fed rate cut in September and much more. Since September Rate Cut Mag 7 vs SPX vs Equal Weight Intra Year Drawdowns vs full year return Comments on AQR post on Buffered funds VIX Index vs VIX Futures in the coming months AAII Bull Bear Spreads says way bearish still Fed dot plots Fed Funds Futures rate expectations Multiple Contraction is the reason for the drawdown not a reduction in earnings estimates LEI Leading Economic Indicator Mentioned in this Episode Conference Board Leading Economic Indicator https://www.conference-board.org/topics/us-leading-indicators#:~:text=Using%20the%20Composite%20Indexes:%20The%20Leading%20Economic,economy%20is%20heading%20in%20the%20near%20term.&text=The%20CEI's%20four%20component%20indicators%E2%80%94payroll%20employment%2C%20personal,used%20to%20determine%20recessions%20in%20the%20US. CME Fed watch Tool https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html Federal Reserve Dot Plots Summary of Economic Projections March 2025 https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20250319.pdf Derek Moore's book Broken Pie Chart https://amzn.to/3S8ADNT Jay Pestrichelli's book Buy and Hedge https://amzn.to/3jQYgMt Derek's book on public speaking Effortless Public Speaking https://amzn.to/3hL1Mag Contact Derek derek.moore@zegainvestments.com
For those looking to add down-side protection to their portfolios, a slew of new products can make it easier than ever.
Buffered ETFs are sometimes looked at for helping against losses or downsides in an investor portfolio. The topic of buffered ETFs can be complex and there are several pros and cons to consider. Ron Delegge, the founder of ETFguide, joins Cassidy Clement to discuss.
In this episode of the Saving Lives Podcast, we break down a randomized trial from CHEST (2025) comparing Normosol-R vs. Lactated Ringer's in critically ill adults. Learn whether acetate/gluconate-buffered fluids offer advantages over lactate-buffered solutions regarding acid-base balance, kidney function, and mortality. Tune in to hear how this study impacts critical care fluid management!The Vasopressor & Inotrope HandbookI have written "The Vasopressor & Inotrope Handbook: A Practical Guide for Healthcare Professionals," a must-read for anyone caring for critically ill patients (check out the reviews)! You have several options to get a physical copy. Amazon: https://amzn.to/47qJZe1 (Affiliate Link)My Store: https://eddyjoemd.myshopify.com/products/the-vasopressor-inotrope-handbook (Use "podcast" to save 10%)Citation: Qian ET, Brown RM, Jackson KE, Wang L, Stollings JL, Freundlich RE, Wanderer JP, Siew ED, Bernard GR, Self WH, Casey JD, Rice TW, Semler MW; Pragmatic Critical Care Research Group. Normosol-R versus Lactated Ringers in the Critically Ill: A Randomized Trial. Chest. 2025 Feb 17:S0012-3692(25)00165-5. doi: 10.1016/j.chest.2025.02.008. Epub ahead of print. PMID: 39971001.
Jim and Chris sit down to discuss listeners questions relating to Social Security, RMDs, QLACs, and Buffered ETFs… (12:30) The guys are asked if dual citizenship will affect Social Security benefits. (20:30) George looks for clarity on Social Security's family maximum rules. (30:00) Chris explains the reduction factor when claiming a spousal Social Security benefit. […] The post Social Security, RMDs, QLACs, and Buffered ETFs: Q&A 2445 appeared first on The Retirement and IRA Show.
In this episode, we dive deep into Buffered Index Portfolios. We'll break down how these investments work, including their advantages and potential drawbacks. Join us to learn if might be a suitable addition to your diversified portfolio.
Jim and Chris welcome back special guest Matthew Kaufman, from Calamos Investments, to answer a series of listener questions on buffered/principle protected ETFs … (13:00) Georgette wants to know how an ETF and those invested in it are affected if the managing firm goes bankrupt. (22:00) A listener wonders how to assess an appropriate risk […] The post Buffered ETFs Special Episode: Q&A #2439 appeared first on The Retirement and IRA Show.
On this week's Money Matters, Scott and Pat discuss the importance of starting your year-end financial planning early. From maximizing your 401k and HSA contributions to considering Roth conversions and tax-loss harvesting, they cover key strategies to optimize your financial health before the year ends. They also take a deep dive into Buffered ETFs with Allworth's Victoria Bogner, a Chartered Financial Analyst and Certified Financial Planner. Victoria explains how buffered ETFs work, their benefits, and the ideal circumstances under which they should be used. Whether you're nearing retirement or a risk-averse investor, you'll find valuable insights on how to incorporate these into your portfolio. Lastly, Scott and Pat address listener questions about Social Security benefits and estate planning, offering practical advice to ensure you're making the most of your financial resources. Join Money Matters: Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.
On this week's Money Matters, Scott and Pat discuss why now might be the time to buy a car. A Connecticut caller who retired this week asks whether he should invest in buffered ETFs. Scott and Pat then reflect on the 2008 financial crisis that nearly brought down the world economy. A California man wonders whether he should invest in Separately Managed Accounts. Finally, hear why Scott and Pat tell a New York caller to ditch her financial advisor. Join Money Matters: Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here. You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.
There is no such thing as a free lunch – or is there? Discover the world of buffered ETFs, a fast-growing segment in financial markets designed to offer investors defined outcomes with built-in downside protection. In this episode, hear Tyler Emrick, CFA®, CFP®, dive into the mechanics, benefits, and potential drawbacks of these complex financial instruments. And be sure to listen to the comparisons of buffered ETFs against traditional investment options and how each may fit (or not) in your diversified investment strategy. Here's some of what we discuss in this episode: The rapid growth we've seen in Buffer ETFs. Defining and explaining the Bufffer ETF or Defined Outcome ETF. Why are investors using these and what are the benefits compared to structured notes and annuities? What you need to know that they aren't telling you. Our overall feelings on this investment and whether they work in a long-term portfolio. Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 15-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth
We put last week's volatility spike into historical perspective. Plus, we discuss the option of employing so-call “buffered” funds that provide downside protection… but at a price.
Jim and Chris discuss listeners questions relating to Social Security, Roth IRAs, buffered products, and inherited IRAs. (13:45) A listener looks for clarification on claiming a “child-in-care” Social Security benefit. (25:00) A listener asks what happens to a spouse's child-in-care benefit if the person passes away. (28:30) A listener wonders about any repercussions for not […] The post Social Security, Child-In-Care Benefits, Roth IRAs, Buffered Products, and Inherited IRAs: Q&A #2430 appeared first on The Retirement and IRA Show.
Gene and Alyssa answer buckets o' questions: He found out his partner has been lying to him about her finances for years. Should he stay? He retired and started consulting. Can he set up a retirement plan? He doesn't want a 529 plan for either of his young children. Is he right? She made a gift to son and daughter-in-law. Did she do it right? Lots more . . . Free Second Opinion Meetings Meet with a More than Money advisor to review your entire financial picture or simply project your retirement Meet with our Social Security partner to plan the best S/S strategy for you Meet with our estate planning attorney partner to review your estate plans – if you have any Meet with our insurance partner to review your life or long term care coverages Discover how to have your 401(k) professionally managed without leaving your company plan Schedule a free second opinion meeting with a More than Money advisor? Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.
Jeff Chang, President and Co-founder of Vest Financial, discusses the growth of buffered investments over the past few years. Reach us at https://www.ftportfolios.com/Connect with us on LinkedIn https://www.linkedin.com/company/first-trust/Follow us on 'X' @ftportfolios
The Port Phillip Council has reached a verdict to install buffered bike lane on Inkerman St, a step-down from its initial plans for a separate bike lane. See omnystudio.com/listener for privacy information.
Almost everyone can agree that one of the big differences between us and our ancestors of five hundred years ago is that they lived in an “enchanted” world, and we do not; at the very least, we live in a much less “enchanted” world. We might think of this as our having “lost” a number of beliefs and the practices which they made possible. But more, the enchanted world was one in which these forces could cross a porous boundary and shape our lives, psychic and physical. One of the big differences between us and them is that we live with a much firmer sense of the boundary between self and other. We are “buffered” selves. We have changed. – Charles Taylor, Buffered and Porous Selves Almost everyone can agree that one of the big differences between us and our ancestors of five hundred years ago is that they lived in an “enchanted” world, and we do not; at the very least, we live in a much less “enchanted” world. We might think of this as our having “lost” a number of beliefs and the practices which they made possible. But more, the enchanted world was one in which these forces could cross a porous boundary and shape our lives, psychic and physical. One of the big differences between us and them is that we live with a much firmer sense of the boundary between self and other. We are “buffered” selves. We have changed. – Charles Taylor, Buffered and Porous Selves Article Link: https://tif.ssrc.org/2008/09/02/buffered-and-porous-selves/ --- Send in a voice message: https://podcasters.spotify.com/pod/show/donavon-riley/message Support this podcast: https://podcasters.spotify.com/pod/show/donavon-riley/support
The new Split Braille feature in JAWS 2024 gives Braille display users powerful new functionality, including the ability to view content from different locations on the same Braille line using one of several types of views. When a Split Braille view is active, your Braille display is split into two halves, or regions. Additionally, two vertical lines are displayed between the two regions to show the separation. The use of the Split Braille feature is not restricted to displays of a certain size. It will work with Braille displays of any length though using it with smaller displays may be less beneficial. We have more Split Braille training headed your way, so stay tuned! https://support.freedomscientific.com/downloads/jaws/JAWSWhatsNew
In this episode we discuss the Porous Self vs the Buffered Self. Building on ideas present in Charles Taylor's work on Secularism this episode discusses the different ways in which we find ourselves insulated from the problems of life and death by setting up buffers which prevent us from feeling the pain of life.
Charles Taylor seminal work A Secular Age conveys the idea of how secular people live buffered lives. A buffered life is a life that is protected from the life and death issues which many people have to contend.
If you are looking for what may be the biggest innovation in waterfowl hunting ammunition this year, you've come to the right place. On this episode I am reviewing and diving into the nitty gritty with the BOSS Warchief bismuth shotshell. Ther performance and cost to benefit ratio of this ammo may be the best of any waterfowl hunting shell on the market. Learn more about your ad choices. Visit megaphone.fm/adchoices
Thank you to this week's sponsor, Backend Banter!
Jim and Chris discuss listener questions relating to Social Security, annuities, Roth conversions, IRMAA, and buffered investments. (2:45) Georgette from New York looks for some clarification on collecting her own Social Security benefit given a couple of unique items specific to her case. (12:30) A listener provides his input and thoughts on Jim and Chris's […] The post Social Security, Annuities, Roth Conversions, IRMAA, and Buffered Investments: Q&A #2332 appeared first on The Retirement and IRA Show.
In this episode we open up Season Four by answering emails from Pete, Arnold and Igor. We discuss Pete's slightly levered Golden Ratio type portfolio, TJUL and buffered funds generally and a Portfolio Visualizer anomaly. It's Shplendid!Links:Optimized Portfolio Article re UPRO and other leveraged ETFs: The 9 Best Leveraged ETFs To Enhance Portfolio Exposure (2023) (optimizedportfolio.com)EDV and ZROX Comparison: ZROZ vs. EDV ETF Comparison Analysis | etf.comPerfect Portfolio Book: In Pursuit of the Perfect Portfolio: The Stories, Voices, and Key Insights of the Pioneers Who Shaped the Way We Invest by Andrew W. Lo | GoodreadsBarry Ritholtz Article re TJUL: My New ETF: 100% of Upside + 0% of Downside - The Big Picture (ritholtz.com)Support the show
Jim and Chris continue their discussion on buffered products and considering them as part of a retirement portfolio. The post Buffered Products In A Retirement Portfolio Part 2: EDU #2315 appeared first on The Retirement and IRA Show.
Jim and Chris discuss a listeners question on how brokered buffered products compare to insurance buffered products and how could he decide if he should consider them as part of his retirement portfolio. The post Buffered Products In A Retirement Portfolio Part 1: EDU #2314 appeared first on The Retirement and IRA Show.
Jim and Chris sit down to discuss listener's questions relating to Social Security, Ed Slott, Roth 401(k)'s, and buffered investments. (8:15) George from California looks for clarification on the affects/timing of Social Security inflationary credits for his wife. (14:30) A listener asks a quick question about if she can claim a spousal Social Security benefit […] The post Social Security, Ed Slott, Roth 401(k)'s, and Buffered Investments: Q&A #2311 appeared first on The Retirement and IRA Show.
In this episode of First Look ETF, Stephanie Stanton @etfguide examines new ETFs from Allianz Investment Management, Stance Capital and TrueShares. Recently launched ETFs for our January show are focused on investing strategies like volatility and portfolio hedging, ESG investing with AI/ML (artificial intelligence and machine learning) and income strategies from the fast moving renewable energy sector. The guest lineup for this episode includes:1. Douglas Yones, ChFC, Head of Exchange Traded Products at NYSE2. Johan Grahan, Head of ETFs at Allianz Investment Management 3. Kyle Balkissoon, Partner & Portfolio Manager at Stance Capital 4. Mike Cerasoli, Portfolio Manager of the TrueShares Eagle Global Renewable Energy Income ETF *********First Look ETF is sponsored by the New York Stock Exchange.Learn more at http://www.HomeofETFs.comWatch us on YouTube (Link http://www.youtube.com/etfguide)Follow us on Twitter @ETFguide (Link https://twitter.com/etfguide)Visit us at ETFguide.com (https://www.etfguide.com)
CIB kicks off the last month of 2022 and perhaps—who can say, but the Lord?—a nonagenarian ex-president's life with some thoughts on getting old (opposed), the Dutch (opposed), the GOP, LeBron, DeShaun Watson, SCOTUS, and Our Bogus Future (opposed, opposed, opposed, opposed, and resigned). Listen, if you must! Has something we said, or failed to say, made you FEEL something? You can tell us all about it on Facebook or Twitter, leave a comment on the show's page on our website, or you can send us an email here. Enjoy!Show RundownOpen — Not too young to be old, anymore05:00 — Watching the World Cup and college football18:30 — When being a hugely influential figure in the culture isn't anything to brag about, and the future of the GOP49:42 — The Biffler Recap & Reaction Show! LeBron, DeShaun Watson, et cetera1:14:48 — SCOTUStalk on the hypothetical speech rights of a real wedding website designer who has never sold a wedding website design1:30:29 — In Our Bogus Future, Big Brother gets a rebrand1:38:00 — Wrap-up! Mere Orthodoxy, a Munk Debate on trust in media, and The White LotusRelevant Linkage can be found on the page for this episode on our website at https://www.brainiron.com/podcast/episode0122.
In this episode we answer emails from Uday, Rick, Anderson and Jacques. We discuss Giving Tuesday and the Father McKenna Center, new tutorials at Risk Parity Chronicles about asset swaps and wash sales, buffered ETFs and scandalous structured products, why we still love gold (a little), getting exposure to small cap value -- yada, yada, yada -- and bond ladders vs. bond funds.Links:Father McKenna Center Homepage: Home - Father McKenna CenterFather McKenna Center Giving Page: Donate - Father McKenna CenterRisk Parity Chronicles Asset Swap Post And Tutorials: Risk Parity Basics: Asset Swaps and the Important Wash Sale Rule (riskparitychronicles.com)Analysis of Buffered Fund BSEP: Backtest Portfolio Asset Allocation (portfoliovisualizer.com)Portfolio Charts "Ingredients" Article: Three Secret Ingredients of the Most Efficient Portfolios – Portfolio ChartsMorningstar Analyzer: VEXMX – Portfolio – Vanguard Extended Market Index Investor | MorningstarBen Carlson Article: Owning Individual Bonds vs. Owning a Bond Fund (awealthofcommonsense.com)Finance Buff Article: Two Types of Bond Ladders: When to Replace a Bond Fund or ETF (thefinancebuff.com)Support the show
On today's show, we have Bruce Bond, CEO of Innovator ETFs give us an update on the buffered ETFs, how buffers and caps behave during high-volatility environments, how advisors are using these products, and much more! Find complete shownotes on our blogs... Ben Carlson's A Wealth of Common Sense Michael Batnick's The Irrelevant Investor Like us on Facebook And feel free to shoot us an email at animalspiritspod@gmail.com with any feedback, questions, recommendations, or ideas for future topics of conversation. (Wealthcast Media, an affiliate of Ritholtz Wealth Management, received compensation from the sponsor of this advertisement. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information.)
Gene and Alyssa answer tons of listener questions: He wonders about the pros and cons of investing in U.S. treasuries?He asks if President Biden's executive order eliminates the U.S. monetary system?They are now residents of Florida and need a new will. Florida attorney?They think everyone should have a reverse mortgage. Are they wrong?Lots more questions. Free Second Opinion Meetings Do you have questions about your financial situation?Are you on track to reach your financial goals – particularly your retirement goals?What should you be doing right now? Two New Free Services Have your current life insurance policies analyzed to see if they fit you or could you do betterHave your current annuities analyzed to see if they fit you or could you do better Added to These Free Services Social Security and Medicare Review with our SS/Med expert Mr. Mark BacakLong Term Care Review with our partner Mr. Mike PompeiReverse Mortgage Review with our partner Tiffany ShuttaEstate Planning Document Review with an attorney in our office Schedule a free second opinion meeting with a More than Money advisor? Call today (610-746-7007) or email (Gene@AskMtM.com) to schedule your time with us.
CNBC's Bob Pisani spoke with Bruce Bond, CEO of Innovator Capital Management, and David Botset, Head of Equity Product Management and Innovation at Schwab Asset Management. As the crypto craze heats up, they discussed the latest launches, including Schwab's first-ever crypto ETF. Bitcoin may be rallying today, but it's had a tough slog over the past year – tumbling 50% year-to-date. Plus, they delved into a new Tesla-focused buffer ETF to learn more about how it can provide downside protection for such a volatile stock – and why the SEC might have reservations about such complex products. In the Markets ‘102' portion of the podcast, Bob continues the conversation with Bruce Bond from Innovator Capital Management.
People are not getting much growth to so-called safe money investments such as savings accounts or money markets, leaving much riskier ways to try and achieve growth. But buffered ETFs are an off-the-beaten path tool that could work in some portfolios. In this episode, Bennett Thayer of Innovator ETFs joins Tim and Jeff to discuss this investment vehicle. Takeaways The buffered ETF was formed in 2018. It gives the holder upside exposure to a degree against indexes like the S & P 500 or Russell 2000, and built in buffers at 9, 15 or 30 percent on the down side They are designed to help people in preservation mode such as retirees by providing them a way to still be invested in the stock market with its earnings potential way above what banks offer, and also limit the losses in case of a market correction It also provides liquidity, where money can be made available quickly for when it may be needed, as opposed to an annuity-type investment where liquidity can be limited
Today we share Bishop Barron's presentation entitled “Breaking Through the Buffered Self,” which he offered for the prestigious 2022 Albert Cardinal Meyer Lecture series hosted at Mundelein Seminary back in March 2022. In the talk, Bishop Barron looks at the intellectual matrix that has made the army of the disaffiliated possible, namely, what Charles Taylor calls the culture of the “buffered self,” the ego cut off from any living contact with the transcendent. Then, using the three great transcendentals—the good, the true, and the beautiful—as his framework, he proposes ways to break through the buffered self and to open the restless heart to a consideration of God and the things of God. (This is Part I of his lecture series. We will share Part II on a future episode.)
Buffered bike lanes may be coming to a prominent northern Henrico corridor; the Tuckahoe Middle School community is in mourning; hundreds of fish turn up dead in a local pond.Support the show
Jim and Chris sit down to discuss listeners questions relating to Social Security benefits, inherited IRAs, and buffered ETFs. (12:15) Georgette from Connecticut asks about the rules surrounding when to claim a spousal Social Security benefit. (23:00) Georgette wonders is Social Security benefits only get increased annually after hitting full retirement age. (30:00) George from […] The post Social Security, Inherited IRAs, and Buffered ETFs: Q&A #2228 appeared first on The Retirement and IRA Show.
Commission-Free Registered Index-Linked Annuities (RILAs), also known as buffer annuities, have become a popular solution to address investor concerns over inflation, market volatility, and the ongoing situation in Ukraine. As 10,000 people retire every day, de-risking the portfolio is becoming a crucial part of an advisor's job. In this episode, DPL's VP of Member Success Tim Rembowski talks with Ross McGoodwin, RIA Consultant Ross McGoodwin about using buffered annuities to provide upside potential with a built-in layer of protection, something clients are seeking more and more in the current climate. Key Takeaways[02:13] - How advisors can de-risk a client's portfolio but still provide meaningful returns.[04:16] - Where buffer annuities fit between stocks and bonds.[07:20] - The demographics of clients for whom buffered annuities may be a good fit.[11:17] - Misconceptions about annuities.[16:19] - A tool to show client's the cost savings of buffered annuities.[24:13] - Why buffered annuities can take the stress out of an advisor's meetings with clients during volatile markets. [31:15] - Buffered annuities are very customizable.
Homily for Matthew 20:17-28 As Jesus was going up to Jerusalem, he took the Twelve disciples aside by themselves, and said to them on the way, “Behold, we are going up to Jerusalem, and the Son of Man will be handed over to the chief priests and the scribes, and they will condemn him to death, and hand him over to the Gentiles to be mocked and scourged and crucified, and he will be raised on the third day.” Then the mother of the sons of Zebedee approached Jesus with her sons and did him homage, wishing to ask him for something. He said to her, “What do you wish?” She answered him, “Command that these two sons of mine sit, one at your right and the other at your left, in your kingdom.” Jesus said in reply, “You do not know what you are asking. Can you drink the chalice that I am going to drink?” They said to him, “We can.” He replied, “My chalice you will indeed drink, but to sit at my right and at my left, this is not mine to give but is for those for whom it has been prepared by my Father.” When the ten heard this, they became indignant at the two brothers. But Jesus summoned them and said, “You know that the rulers of the Gentiles lord it over them, and the great ones make their authority over them felt. But it shall not be so among you. Rather, whoever wishes to be great among you shall be your servant; whoever wishes to be first among you shall be your slave. Just so, the Son of Man did not come to be served but to serve and to give his life as a ransom for many.” Father John Kartje's homily references the 2022 Albert Cardinal Meyer lecture delivered by Bishop Robert Barron on April 10-11. You can watch the lecture and faculty responses by clicking here. If you would like to receive these reflections to your email, sign up: usml.edu/rector-reflections/ Support the Seminary Submit Prayer Intentions Thank you for subscribing to Formation! Please spread the word to your family, friends and parish community about this podcast. Please rate and review this podcast wherever you listen to your podcasts so that others can discover it more easily. Together with you in Christ, we are Mundelein. We form parish priests.
If there's a nuclear war followed by nuclear winter, and the sun is blocked out for years, most of us are going to starve, right? Well, currently, probably we would, because humanity hasn't done much to prevent it. But it turns out that an ounce of forethought might be enough for most people to get the calories they need to survive, even in a future as grim as that one. Today's guest is engineering professor Dave Denkenberger, who co-founded the Alliance to Feed the Earth in Disasters (ALLFED), which has the goal of finding ways humanity might be able to feed itself for years without relying on the sun. Over the last seven years, Dave and his team have turned up options from the mundane, like mushrooms grown on rotting wood, to the bizarre, like bacteria that can eat natural gas or electricity itself. Links to learn more, summary and full transcript. One option stands out as potentially able to feed billions: finding a way to eat wood ourselves. Even after a disaster, a huge amount of calories will be lying around, stored in wood and other plant cellulose. The trouble is that, even though cellulose is basically a lot of sugar molecules stuck together, humans can't eat wood. But we do know how to turn wood into something people can eat. We can grind wood up in already existing paper mills, then mix the pulp with enzymes that break the cellulose into sugar and the hemicellulose into other sugars. Another option that shows a lot of promise is seaweed. Buffered by the water around them, ocean life wouldn't be as affected by the lower temperatures resulting from the sun being obscured. Sea plants are also already used to growing in low light, because the water above them already shades them to some extent. Dave points out that "there are several species of seaweed that can still grow 10% per day, even with the lower light levels in nuclear winter and lower temperatures. ... Not surprisingly, with that 10% growth per day, assuming we can scale up, we could actually get up to 160% of human calories in less than a year." Of course it will be easier to scale up seaweed production if it's already a reasonably sized industry. At the end of the interview, we're joined by Sahil Shah, who is trying to expand seaweed production in the UK with his business Sustainable Seaweed. While a diet of seaweed and trees turned into sugar might not seem that appealing, the team at ALLFED also thinks several perfectly normal crops could also make a big contribution to feeding the world, even in a truly catastrophic scenario. Those crops include potatoes, canola, and sugar beets, which are currently grown in cool low-light environments. Many of these ideas could turn out to be misguided or impractical in real-world conditions, which is why Dave and ALLFED are raising money to test them out on the ground. They think it's essential to show these techniques can work so that should the worst happen, people turn their attention to producing more food rather than fighting one another over the small amount of food humanity has stockpiled. In this conversation, Rob, Dave, and Sahil discuss the above, as well as: * How much one can trust the sort of economic modelling ALLFED does * Bacteria that turn natural gas or electricity into protein * How to feed astronauts in space with nuclear power * What individuals can do to prepare themselves for global catastrophes * Whether we should worry
Today we visit r/TalesFromTechSupport!Visit us on YouTube! https://www.youtube.com/karmacommentchameleonFor business enquiries please contact karmacommentchameleon@gmail.com
WHAT IS THE MOST IMPORTANT SUPPORT FOR YOUR IMMUNE SYSTEM? OF COURSE IT IS VITAMIN C..BUT ASCORBIC ACID OR BUFFERED MINERAL ASCORBATE! TUNE IN. Tune in every day to hear Dr. Len Brancewicz of The Nutrition Shoppe discuss today's hottest health topics and news from a complimentary perspective. From colds to cancer and everything in between, Dr. Len can offer honest advice that makes sense. As a Registered Pharmacist (RPh), Certified Clinical Nutritionist (CCN), Doctor of Naturopathic Medicine (NMD), and a homeopath, Dr. Len has over 35 years experience in helping to keep you and your family healthy and happy. Call the show today to ask about your most pressing health concerns! Visit us on the web at www.TheNutritionShoppe.net or call 678-228-8900 to set up a personalized consultation, shop products, or ask questions! ---- Tags: health, natural health, supplements, vitamins, prescriptions, medications, pharmacist, naturopath
Who hasn't been pitched a buffered note at this point? Participate in the upside and get credited back the first 10% in losses. What could go wrong? There are billions of dollars of these things out there, and they're even creeping into the ETF and mutual fund space. How exactly do they work? Which options are being bought and sold? Is there hidden risk? What about exotics and knock ins and all the rest…. Do they cause extra liquidity issues for the market as a whole? We sat down with Exceed Investments Joe Halpern in the lively chat to find out just how these buffered notes work, and what investors need to be careful of. Listen to Joe talk about finding the right call to sell to cover the spend, why tail risk is much more important than a 10% buffer, field hospitals in Central Park, what it was like unwinding Lehman Brothers structured products, crafting exotic derivatives at ING, Stevie Cohen as the Mets owner, why duration matters, and how the risk/reward profile of a buffered note changes as the market moves. Enjoy! Chapters: 00:00-02:25=Intro 02:26-09:32=Mets, Cohen, Bobby Bonilla Day & Madoff 09:33-27:47=Custom Structured Notes & In the Trenches at Lehman 27:48-49:28=Behind the Scenes on a Buffered Note 49:29-01:08:00=Exceed = A Floor instead of a Buffer 01:08:01-01:16:27=Favorites From the episode: Webinar: Buffered Strategies: What They Are, How They Work, & When to Use Them - 1 CE Credit Catalyst Buffered Shield Fund Follow along with Joe on twitter @halpjoe, and visit Exceedinvestments.com for more information. Don't forget to subscribe to The Derivative, and follow us on Twitter at @rcmAlts and our host Jeff at @AttainCap2, or LinkedIn , and Facebook, and sign-up for our blog digest. And visit our sponsor, the CME Group at www.cmegroup.com to learn more about futures and options. Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visit www.rcmalternatives.com/disclaimer
This week we'll be chatting with Michael Tarrant from Mantis Buffered Nutrients about their products.https://mantisbufferednutrients.com/Along with some grow tips, and our usual news, views, and reviews, and silliness.#The420RadioShow is heard LIVE Friday's at 7pm ET. on The #LifestyleRadio Network at www.420radio.ca and www.LifestyleRadio.caStalk us on the tweeder @The420RadioShow, and on IG 420radio.ca#Canadian #Cannabis #RealTalk and #Tunes #420Radio
Defined outcome ETFs limit losses but cap some of the gains (1:30) - What Should Investors Think About The Recent Market Action? (7:00) - What Is The Biggest Risk To The Stock Market Right Now? (13:30) - What Is A Defined Income ETF? (17:20) - Allianz’s Suite of Buffered Outcome ETFs (27:10) - How Do These ETF’s Fit Into An Investors Portfolio? Podcast@Zacks.com
In 2018, Innovator Capital Management, a financial product creator, developed an investing strategy called “defined outcome” exchange-traded funds (ETFs). Today there are several billion dollars invested in their strategies.Historically, when we’ve put money in market, we’ve not been able to determine what our outcome will be, but often commentators or advisors will discuss past performance of investments.What defined outcome ETFs do is allow the investor a level of certainty that’s not normally found in stock market investments. The investor has exposure to broad market indexes like the S&P, Russell, or emerging markets, and in exchange for a performance cap, the investor will have a known built in buffer from losses. Innovator has three buffered ETF options. With the first option the investor is buffered from the first 9% of losses in the S&P 500. After the first 9% of losses the investor could then lose money. The ETF holder participates in the gains of the S&P 500 one-to-one up to 9% of the gains. So, if the S&P 500 goes up over 9% the investor would hit a performance cap in exchange for the buffer from the first 9% of losses.The second option is similar to the first option but with a 15% buffer, so the investor participates one-to-one going up to 15% and conversely down 15%.Innovator has a third option that is an “ultra-buffer.” With this option the investor agrees to take the first 5% of losses, but would then be buffered for the next 30% down. So, if the S&P 500 fell 37%, the holder of the ultra-buffer ETF investor would experience a loss of 7%.With bond yields being at record lows and equity valuations at record highs, it’s created a dilemma of where do you put money? This may be a viable solution for your portfolio.I encourage you to find a competent financial advisor to help you determine if a buffered ETFs are appropriate for your portfolio. This won't be a suitable approach for all investors. There is no guarantee that the funds described here will achieve their investment objective. If you’d like to learn more about this strategy, just reply to this email and I’ll send you a more exhaustive video explanation of buffered ETFs. Also, I'd be happy to explain the finer details of this investing strategy. You can reach me by calling 864.641.7955Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Clients Excel, LLC are not affiliated companies. Investing involves risk, including potential loss of principal. Any references to protection, safety, or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the insuring carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet particular needs of an individual’s situation. Clients Excel is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Clients Excel. The use of logos and/or trademarks of podcast hosting sites are the property of their respective owners and are not an endorsement by those owners of our firm or our program.
This is The Babylon Bee Interview Show. On The Babylon Bee Podcast, Kyle and Ethan talk to Bishop Robert Barron. Kyle and Ethan talk with Bishop Barron about wokism, Catholic politicians, and why he loves the Coen Brothers. Bishop Barron with his media company, Word On Fire, engages the culture with videos on movies, music, and evangelization. Bishop Barron’s YouTube channel has been growing since starting in 2007 and has become a voice for Catholics in the culture. Bishop Barron has appeared in interviews with Ben Shapiro, Jordan Peterson, Dave Rubin, and many more. Be sure to check out The Babylon Bee YouTube Channel for more podcasts, podcast shorts, animation, and more. To watch or listen to the full podcast, become a subscriber at https://babylonbee.com/plans Topics Discussed Starting Word On Fire Bad advice for connecting with young people Engaging the culture creatively Self inventive culture Starting with beauty Chesterton wants more holes in your skull Religious themes in movies Affirmative orthodoxy God is revealing himself through the culture Private belief vs Public belief The modern peace treaty Propose vs imposing Mario Cuomo Catholic politicians How to lead the way in the argument against abortion Engage the people at a high level Pope Francis Libertarianism and Catholicism Classical Liberalism Marxism Subscriber Portion Chesterton Bishop Barron as a universalist Evangelization Reasonable hope Catholic teaching on grace Dare We Hope Wokeness as the greatest enemy G.K. Chesterton view on culture Buffered self Wokism takes itself too seriously Cross breaking the circle of the rationalism Pre-modernism Top five Popes 10 Questions
“You can’t handle the truth!” is a phrase that comes to mind on the topic of the revealing nature of a hifi system. Sometimes, we don’t want the actual reality of a crash cymbal in our listening rooms. Have you ever heard a crash cymbal from the “business end,” i.e. away from the drummer?In hifi audio, many paths lead to the same place, and many tweaks and changes can get you there in a unique way. There’s no reason a system must have all distortions completely neutralized, laying bare only the remaining distortions which can’t be controlled… unless that’s exactly what you want.Hifi audio is supposed to be fun, after all. In this week’s episode of The Hifi Podcast, Darren and Duncan look at both sides of the coin when it comes to audio truth.A listener also asks a question about vintage Yamaha NS-1000 speakers, and this week’s album recommendation is a new release from a brilliant artist who is one of Darren’s favorites.
Today we share the first half of Bishop Baron’s talk titled “Knocking Holes in the Buffered Self: Approaches to the Question of God.” He gave the talk at Kenrick-Glennon Seminary as part of their Kenrick Lecture series. Many—especially the young—in today’s time have absented themselves from the practice of faith. Our culture and time is anomalous in the extreme, in that it’s the first ever to widely entertain God’s nonexistence. Christians, at least in the West, are facing a practically unprecedented crisis of disaffiliation. But there are paths out of the cave, and that’s what Bishop Barron reveals.
Buffered Notes are a financial product that offers some downside protection from market losses. However, they don't come without a catch. In this show we discuss these particular structured notes, the pros and cons, as well as whether or not these products make sense for people to use as part of their financial plan.
Today we share the first half of Bishop Baron's talk titled "Knocking Holes in the Buffered Self: Approaches to the Question of God." He gave the talk at Kenrick-Glennon Seminary as part of their Kenrick Lecture series. Many—especially the young—in today’s time have absented themselves from the practice of faith. Our culture and time is anomalous in the extreme, in that it’s the first ever to widely entertain God’s nonexistence. Christians, at least in the West, are facing a practically unprecedented crisis of disaffiliation. But there are paths out of the cave, and that's what Bishop Barron reveals. Word on Fire Vatican II Collection: https://wordonfire.org/vatican2 NOTE: Do you like this podcast? Become a patron and get some great perks for helping, like free books, bonus content, and more. Word on Fire is a non-profit ministry that depends on the support of our listeners…like you! So be part of this mission, and join us today!
Listen to our thoughts on Blackpool 1 - Crewe 1, as the 'Pool did well take a point against a very decent Crewe side at Bloomfield Road on Tuesday 2nd March.
Continuing on in our episodes from Bob Thune's lecture on "The Mission of God & The Modern Self", we look at the 2nd of 5 categories in which the modern self can often find its identity in - the "Buffered Self".
Continuing on in our episodes from Bob Thune's lecture on "The Mission of God & The Modern Self", we look at the 2nd of 5 categories in which the modern self can often find its identity in - the "Buffered Self".
I would like to report on the new product GI Meal Select from Moss Nutrition. With the increasing prevalence of gut disorders, we need more strategies to help patients get well quickly and effectively. GI Meal Select has been carefully formulated to address many aspects of gut healing in an affordable and effective product. GI Meal Select is designed to provide optimal nutrient sustenance so it can act as a stand-alone meal replacement. It is easy to digest, pleasant tasting, and reasonably priced. One of the issues with many meal replacement products is the carbohydrate and fat content which can cause gut issues like gas and bloating so this product has almost completely eliminated both. It also contains no protein powder such as whey and pea which most people with gut issues can no longer tolerate. Instead, it uses the Reginator amino acid blend to maintain muscle mass and promote tissue repair. Resting the digestive organs can be paramount in helping to enable proper gut healing and repair, provided there is an ongoing presence of protein building blocks (essential amino acids) to prevent tissue breakdown, and sufficient micronutrient cofactors to enable enzyme function and structural support. GI Meal Select provides these requisites along with two targeted gut health nutrients: a potent 2 grams of immunoglobulin rich IgY Max plus 1.75 grams of pure L-Glutamine, the primary fuel of enterocytes (cells lining the digestive tract). All the nutrient components in GI Meal Select are provided in their basic, predigested or “elemental” forms, taking a great burden off the digestive organs. In this sense, GI Meal Select offers restorative and reparative benefits similar to those of elemental formulas. However, GI Meal Select is very low in calories and free from added carbohydrates and fats, macronutrients which may trigger symptoms in GI patients. Individuals who do tolerate fats may be advised to add one teaspoon of a liquid omega-3 supplement such as EPA/DHA HP Select (high potency fish oil), Icelandic Cod Liver Oil (also a good source of vitamins A & D3) or flaxseed oil to their GI Meal Select shake. While not appropriate for extended use as the sole source of daily nutrition, GI Meal Select can be taken one or more times per day, as directed, in place of a regular meal or between meals. By allowing the digestive organs to temporarily rest, removing dietary components that feed gut microbes, supplying the body with elemental nutrition and directly nourishing the gastrointestinal tract with immunoglobulins and amino acids, GI Meal Select may help to promote repair of the intestinal lining, decrease the severity of inflammatory GI conditions, diminish the incidence of small intestine bacterial overgrowth (SIBO) and help to reset overall gut health, structure and function. A COMPREHENSIVE MULTIPLE VITAMIN/MINERAL Each serving of GI Meal Select contains a complete array of vitamins and minerals. Fat soluble vitamins A, D3, E and K2 help to heal mucous membranes and support healthy immune function, bone and vascular health. B-complex vitamins in bioactive forms, featuring methylated folate and B12, and vitamin B6 as P-5-P, promote healthy energy production, detoxification and nerve cell transmission. Buffered vitamin C is gentle on the stomach. Full spectrum minerals, essential for countless physiological mechanisms, are provided in natural, carrier-free forms to minimize the potential for irritation in hypersensitive gut patients. Moderate rather than therapeutic V/M dosing allows GI Meal Select to be taken more than once daily if needed. FREE-FORM ESSENTIAL AMINO ACIDS (EAA) represent the microscopic building blocks for all the proteins in the body—from skeletal and smooth muscle tissue to enzymes and antibodies. In contrast to food-bound proteins and protein powders such as whey, rice or pea protein, free-form EAAs are already broken down or “predigested” hence they require no effort to process,
Dr Dan Davidian has found a way to alleviate patient stress, save time in his day, keep his employees happy, and spend more time with his patients - buffered anesthesia. Today, Dan talks to host Ryan Vet about how it all works and what has happened in his practice since introducing this method.Dr Dan Davidian is the founder of Anutra Medical and practicing dentist at Sedation Dental Care.This episode of The Dental Experience Podcast is sponsored by Trident Lab. Dental Experience podcast listeners - that's you - you can write the code Dental Experience on your first case, and you can save up to $50. Simply visit tridentlab.com/dep for more details.The Dental Experience Podcast is hosted by Ryan Vet and is edited by Earfluence.
Link to bioRxiv paper: http://biorxiv.org/cgi/content/short/2020.08.23.263061v1?rss=1 Authors: Shokrof, M., Brown, C. T., Mansour, T. A. Abstract: Background: Specialized data structures are required for online algorithms to efficiently handle large sequencing datasets. The counting quotient filter (CQF), a compact hashtable, can efficiently store k-mers with a skewed distribution. Result: Here, we present the mixed-counters quotient filter (MQF) as a new variant of the CQF with novel counting and labeling systems. The new counting system adapts to a wider range of data distributions for increased space efficiency and is faster than the CQF for insertions and queries in most of the tested scenarios. A buffered version of the MQF can offload storage to disk, trading speed of insertions and queries for a significant memory reduction. The labeling system provides a flexible framework for assigning labels to member items while maintaining good data locality and a concise memory representation. These labels serve as a minimal perfect hash function but are ~10 fold faster than BBhash, with no need to re-analyze the original data for further insertions or deletions. Conclusion: The MQF is a flexible and efficient data structure that extends our ability to work with high throughput sequencing data. Copy rights belong to original authors. Visit the link for more info
Graham and K1 dive into the new world of buffered ETF's. As we continue to focus on the risk tolerance of clients and demand for return while incorporating risk mitigation, Buffered ETF's is a great topic that is complimentary to FIA's, RILA's, VA's and Structured Products.
How are investors factoring in worsening China US trade tensions into investment strategies? And as investors look at the future economy with many tech companies benefiting from a migration to the digital economy, what are possible sector targets? Michelle Martin speaks to Jacob Doo, CIO of Envysion Wealth Management to discuss.
In this episode Bill talks about an option for investors to help deal with the market volatility.
Imagine driving down a beautiful mountain road. At the end of this highway is paradise, a place you have been striving to get to for years and you are on the right track to get there. This path is full of winding turns, breathtaking views, and steep drop-offs. Without warning, you lose control of your vehicle and cannot turn the wheel any longer and you are barreling toward a cliff. BAM! Your car smashes into the guard rail and you stop there. Your car is totaled, but you are safe. The guard rail kept you from careening off the mountain into oblivion. A buffered ETF (exchange-traded fund) is a guard rail for your investments. This type of fund can protect, or buffer, against severe drops in the stock market, but this security is not without its trade-offs. Today, Jake and Jeremy discuss buffered ETFs and talk about when this investing tool might be the right choice for your portfolio. If you found value in this episode or know someone else who needs it, share it with them. Don't forget to subscribe so you never miss an episode.
A fair bit has changed since we were last in the book of Acts. The entire world has been turned upside-down and a whole lot has been exposed. What could the book of Acts possibly say to our world in 2020? As always, it’s almost humorous how on point it is. Join us as we dive into part three of the book of Acts. Also, as a side note, we’re going to spend a few weeks experimenting with having a “short sermon” on Sunday as a part of our video series, and then having a full “teaching” which will be posted on this feed. That way the video can be a shorter reflection time for our community, and people can engage with the text when they have more time in their week. Please let us know if this works for your life rhythms.
Given the recent Coronavirus selloff in the markets, I thought it might be interesting to view investor actions through the prism of the 2008 crisis in this replay of an earlier podcast episode. Recently I found several different research pieces showing how at the very lows of the Great Recession in 2009 the percentage of funds in money market funds was at its highest. In 2009 the fund flows to bonds were greater than the previous 5 years combined. So why with equities so cheap did people stay in cash or bonds? Wouldn’t they want stocks when they were cheaper? This highlights how investors who panic an make rash decisions can do so at the very worst times. Why do investors panic? How does fear guide investor decisions? Percentage of funds in money markets spiked at time of March of 2009 lows Why investors didn’t rebalance out of bonds and into stocks during the great recession 2009 fund flows were a record year for bonds How using Buffered or Hedged Equity Strategies can help reduce fear and irrational choices Benefits of staying invested while hedged Why now is a good time to be hedged Mentioned in this Episode: Contact Derek www.razorwealth.com Morningstar Bond Fund Flows 2009 Chart https://morningstardirect.morningstar.com/clientcomm/2009.pdf Dalbar Quantitative Analysis on Investor Behavior Report https://www.qidllc.com/wp-content/uploads/2016/02/2016-Dalbar-QAIB-Report.pdf Podcast talking about markets within 3% of all-time highs 36% of time https://podcasts.apple.com/us/podcast/fear-investing-surprising-data-points-to-markets-near/id1432836154?i=1000443860686 Why diversification fails https://podcasts.apple.com/us/podcast/ep012-does-diversification-alone-reduce-systematic/id1432836154?i=1000423615813 Buffered Equity Strategies https://podcasts.apple.com/us/podcast/adding-downside-buffers-to-investment-portfolios-using/id1432836154?i=1000419699076 Why investors need a hedged equity strategy https://podcasts.apple.com/us/podcast/why-investors-need-a-protective-hedged-equity-strategy/id1432836154?i=1000418366567 Derek Moore’s book Broken Pie Chart https://www.amazon.com/Broken-Pie-Chart-Investment-Portfolio/dp/1787435547/ref=sr_1_1?keywords=broken+pie+chart&qid=1558722226&s=books&sr=1-1-catcorr
Today on Consider This we talk about when to take out social security, what to do if you have an annuity, and what are these new things called Buffered ETFs?
Speaking on the Forefeast of the Annunciation, Fr. Andrew Stephen Damick describes the feast as being God's answer to the buffered, fenced-in selves that we ironically construct to protect ourselves even while desiring someone to reach out in love.
Are you getting fattened for slaughter by the Buffered Annuity crowd? Who are you listening to and what kind of custodian are you for your family? Do you need tranquility, perspective and accountability? The “Revere Community Players” present just that giving you real strategies not products. StockNerds® don’t forget to sign up for our next […] The post The Buffered Annuity Portfolio appeared first on Revere Asset Management.
Are you getting fattened for slaughter by the Buffered Annuity crowd? Who are you listening to and what kind of custodian are you for your family? Do you need tranquility, perspective and accountability? The “Revere Community Players” present just that giving you real strategies not products. StockNerds® don’t forget to sign up for our next […] The post The Buffered Annuity Portfolio appeared first on Revere Asset Management.
Hi everyone thanks for listening! Please subscribe to the podcast, leave a rating, or share it with a friend! Website: https://fuzzlordeffects.com/ Instagram: https://www.instagram.com/fuzzlordeffects/?hl=en Facebook: https://www.facebook.com/FuzzLordEffects/
Recently I found several different research pieces showing how at the very lows of the Great Recession in 2009 the percentage of funds in money market funds was at its highest. In 2009 the fund flows to bonds were greater than the previous 5 years combined. So why with equities so cheap did people stay in cash or bonds? Wouldn’t they want stocks when they were cheaper? This highlights how investors who panic an make rash decisions can do so at the very worst times. Why do investors panic? How does fear guide investor decisions? Percentage of funds in money markets spiked at time of March of 2009 lows Why investors didn’t rebalance out of bonds and into stocks during the great recession 2009 fund flows were a record year for bonds How using Buffered or Hedged Equity Strategies can help reduce fear and irrational choices Benefits of staying invested while hedged Why now is a good time to be hedged Mentioned in this Episode: Contact Derek www.razorwealth.com Morningstar Bond Fund Flows 2009 Chart https://morningstardirect.morningstar.com/clientcomm/2009.pdf Dalbar Quantitative Analysis on Investor Behavior Report https://www.qidllc.com/wp-content/uploads/2016/02/2016-Dalbar-QAIB-Report.pdf Podcast talking about markets within 3% of all-time highs 36% of time https://podcasts.apple.com/us/podcast/fear-investing-surprising-data-points-to-markets-near/id1432836154?i=1000443860686 Why diversification fails https://podcasts.apple.com/us/podcast/ep012-does-diversification-alone-reduce-systematic/id1432836154?i=1000423615813 Buffered Equity Strategies https://podcasts.apple.com/us/podcast/adding-downside-buffers-to-investment-portfolios-using/id1432836154?i=1000419699076 Why investors need a hedged equity strategy https://podcasts.apple.com/us/podcast/why-investors-need-a-protective-hedged-equity-strategy/id1432836154?i=1000418366567 Derek Moore’s book Broken Pie Chart https://www.amazon.com/Broken-Pie-Chart-Investment-Portfolio/dp/1787435547/ref=sr_1_1?keywords=broken+pie+chart&qid=1558722226&s=books&sr=1-1-catcorr
Would you give up some stock market upside for some downside protection? That's the value proposition for a fast growing new category of annuity-like ETFs that do just that. They are the creation of ETF veteran Bruce Bond, who is known to many as the founder of PowerShares. On this week's Trillions we speak with Bruce as well as Carolina Wilson from Bloomberg News about what sparked the idea for the products, how they work and what the drawbacks are. See omnystudio.com/listener for privacy information.
Would you give up some stock market upside for some downside protection? That's the value proposition for a fast growing new category of annuity-like ETFs that do just that. They are the creation of ETF veteran Bruce Bond, who is known to many as the founder of PowerShares. On this week's Trillions we speak with Bruce as well as Carolina Wilson from Bloomberg News about what sparked the idea for the products, how they work and what the drawbacks are.
We demo and compare the Fulltone OCD V1.7, OCD V2 and the Custom Shop OCD GE overdrive pedals through a Marshall Plexi amp and Fender Hot Rod Deluxe. This is the audio from our video here: https://youtu.be/lYX8MJt4ulc The Fulltone OCD is without question among the most loved and successful guitar overdrive pedals of all time. Introduced in 2005 (we think!), its creator Mike Fuller wanted an OD pedal with plenty of dynamics and headroom, a relatively open EQ response and of course plenty of full, rich and dynamic overdrive. It is noted for responding well off the guitar’s volume pot and is used in pretty much every musical genre you can mention.There were a number of incremental changes to the design over the years from V1 to V1.7 - notably tweaking the midrange and adding germanium clipping diodes – then in 2017, Fuller surprised everyone with a V2, which is where we pick up the story in this video. Oh, and there's a Custom Shop GE version too. As a point of interest, this is also probably just about the best demonstration of what buffers to do your tone that we’ve stumbled on yet. Time stamps below… Enjoy the episode! Life too short for long YouTube videos? Please see the ‘Interesting bits and go-to sections’ information below. Pedals & stuff in this episode… • TheGigRig Three2Onehttps://www.thegigrig.com/three2one • Peterson StroboStomp HD TunerUK & Europe: http://bit.ly/2Ozf60oAustralia: http://bit.ly/2lM39so • Fulltone Mini DejáVibe CS-MDV2 MKIIUK & Europe: http://bit.ly/2pKQOCYAustralia: http://bit.ly/2A3ZtGA • Fulltone OCD V1.7(No longer made, try reverb.com • Fulltone OCD V2UK & Europe: http://bit.ly/30IUKFCAustralia: http://bit.ly/2qgh9eW • Fulltone Custom Shop CS-OCD-GEUK & Europe: http://bit.ly/33mN8Jc • Electro-Harmonix Memory Man Deluxe 1100-TTUK & Europe: http://bit.ly/2WbQLhG • TheGigRig G2https://www.thegigrig.com/g2 * Why do we have preferred retailer links? Find out here: http://www.thatpedalshow.com/partners Interesting bits and go-to sections…- Intro playing: 00:00- What’s that Strat Mickyboy? 1:48- What are we doing, and what is the OCD? 2:20- Today’s amps: 3:11- OCD 1.7 – versatile! With single coils: 3:38- …and with humbuckers: 4:55- Marshall high treble channel? 7:26- OCD origins and versions? 8:20- Pots and tapers – apples with apples? 9:55- Yep, they sound different: 12:00- …and a different midrange: 13:50- Buffered bypass mode in OCD V2: 14:15- Input impedance and why it matters: 15:15- Humbuckers and single coil comparison, V1.7 and V2: 17:10- Lower gain, Hi Peak and Low Peak: 20:00- DejáVibe and input impedance: 21:04- Tone knob, V1.7 and V2: 24:30- Buffer in V2: on, off and with DejáVibe: 25:34 (26:10)- Affect of the buffer on and off into delay: 27:30- Conclusion of the buffer comparisons: 30:09- Dan’s fuzz/Memory Man/buffer tangent: 31:30- OCD GE - what’s that? 33:40- V1.7 and GE comparison: 37:18- Yep, they’re all different: 43:30- V2 on 9 and 18 volts: 44:20- The obvious objections: 46:20 Guitars in this episode:• Gibson Custom 1958 Les Paul Standard – Dan’s video at http://bit.ly/2dbwbvS• Fender Custom Shop 1963 Telecaster - Dan’s video at http://bit.ly/2dlZJ6K • Fender American Vintage ’59 Stratocaster – no video yet • Gibson Memphis 1958 ES-335 - Mick’s video at http://bit.ly/2mpJA8X• Fender American Vintage ’62 Stratocaster – watch Mick’s video at http://bit.ly/2cQv3yT Amps in this episode• Marshall 1987x & 1960AX / Celestion G12M Greenback speakers• Fender Hot Rod Deluxe III with standard speaker We hope you enjoy this episode. Please subscribe to our channel. You can buy TPS merch to support our efforts https://www.thatpedalshowstore.com We are on Patreon – crowdfunding for creativeshttps://www.patreon.com/ThatPedalShow Please visit our preferred retailers!UK & Europe: Andertons Music http://bit.ly/2cRvIvtAustralia: Pedal Empire http://bit.ly/2mWmJQf
Le catalyste Standalone: Exclusive IDM & electro & Techno Podcast sets
A l'approche des Nuits Sonores, Le Catalyste monte en puissance avec Madben, nouveau porte étendard de la scène techno française avec la sortie en 2018 de "Frequence(s)", sur Astropolis Records. Un album qui a beaucoup fait parlé de lui, si bien que Maceo Plex l'invitera a integrer l'écurie ELLUM pour un très beau maxi sorti en décembre dernier. Ils partageront la scène lors du DAY 3 des Nuits Sonores 2019 avec Jensen Interceptor et Danny Daze. Il nous livre un set très progressif, efficace de bout en bout, avec un esprit Rave bien ancré, une techno qui résonne, et des mélodies inspirées! Il conclu inévitablement avec quelques classiques vu ses attaches avec le festival breton Astropolis, miroir de l'histoire de la techno! Enjoy :) ! @madben https://www.facebook.com/madbenofficial/ Pour la billeterie c'est par là: https://www.nuits-sonores.com/billetterie/ Le programme NS DAY 3 : https://www.nuits-sonores.com/les-programmes/ns-days-3/ Tracklist: 01. Specific objects - On first sight 02. Dubspeeka - Mariana 03. Madben - Landscape 04. Elliot Adamson - Every single day (Lfo mix) 05. 524F53 - Hard year 06. Conforce - Carrier signal 07. Buffered multiple - Prime time 08. Madben - Exploration 09. Das spezial - Romantic Schizophrenic 10. Vainqueur - Lyot (Maurizio mix) 11. Madben - Robots 12. Modig - Latissimus 13. Maribou state - Vale (HAAi’s requiem for a remix)
Le catalyste Standalone: Exclusive IDM & electro & Techno Podcast sets
A l'approche des Nuits Sonores, Le Catalyste monte en puissance avec Madben, nouveau porte étendard de la scène techno française avec la sortie en 2018 de "Frequence(s)", sur Astropolis Records. Un album qui a beaucoup fait parlé de lui, si bien que Maceo Plex l'invitera a integrer l'écurie ELLUM pour un très beau maxi sorti en décembre dernier. Ils partageront la scène lors du DAY 3 des Nuits Sonores 2019 avec Jensen Interceptor et Danny Daze. Il nous livre un set très progressif, efficace de bout en bout, avec un esprit Rave bien ancré, une techno qui résonne, et des mélodies inspirées! Il conclu inévitablement avec quelques classiques vu ses attaches avec le festival breton Astropolis, miroir de l'histoire de la techno! Enjoy :) ! @madben https://www.facebook.com/madbenofficial/ Pour la billeterie c'est par là: https://www.nuits-sonores.com/billetterie/ Le programme NS DAY 3 : https://www.nuits-sonores.com/les-programmes/ns-days-3/ Tracklist: 01. Specific objects - On first sight 02. Dubspeeka - Mariana 03. Madben - Landscape 04. Elliot Adamson - Every single day (Lfo mix) 05. 524F53 - Hard year 06. Conforce - Carrier signal 07. Buffered multiple - Prime time 08. Madben - Exploration 09. Das spezial - Romantic Schizophrenic 10. Vainqueur - Lyot (Maurizio mix) 11. Madben - Robots 12. Modig - Latissimus 13. Maribou state - Vale (HAAi's requiem for a remix)
Le catalyste Standalone: Exclusive IDM & electro & Techno Podcast sets
A l'approche des Nuits Sonores, Le Catalyste monte en puissance avec Madben, nouveau porte étendard de la scène techno française avec la sortie en 2018 de "Frequence(s)", sur Astropolis Records. Un album qui a beaucoup fait parlé de lui, si bien que Maceo Plex l'invitera a integrer l'écurie ELLUM pour un très beau maxi sorti en décembre dernier. Ils partageront la scène lors du DAY 3 des Nuits Sonores 2019 avec Jensen Interceptor et Danny Daze. Il nous livre un set très progressif, efficace de bout en bout, avec un esprit Rave bien ancré, une techno qui résonne, et des mélodies inspirées! Il conclu inévitablement avec quelques classiques vu ses attaches avec le festival breton Astropolis, miroir de l'histoire de la techno! Enjoy :) ! @madben https://www.facebook.com/madbenofficial/ Pour la billeterie c'est par là: https://www.nuits-sonores.com/billetterie/ Le programme NS DAY 3 : https://www.nuits-sonores.com/les-programmes/ns-days-3/ Tracklist: 01. Specific objects - On first sight 02. Dubspeeka - Mariana 03. Madben - Landscape 04. Elliot Adamson - Every single day (Lfo mix) 05. 524F53 - Hard year 06. Conforce - Carrier signal 07. Buffered multiple - Prime time 08. Madben - Exploration 09. Das spezial - Romantic Schizophrenic 10. Vainqueur - Lyot (Maurizio mix) 11. Madben - Robots 12. Modig - Latissimus 13. Maribou state - Vale (HAAi’s requiem for a remix)
A l'approche des Nuits Sonores, Le Catalyste monte en puissance avec Madben, nouveau porte étendard de la scène techno française avec la sortie en 2018 de "Frequence(s)", sur Astropolis Records. Un album qui a beaucoup fait parlé de lui, si bien que Maceo Plex l'invitera a integrer l'écurie ELLUM pour un très beau maxi sorti en décembre dernier. Ils partageront la scène lors du DAY 3 des Nuits Sonores 2019 avec Jensen Interceptor et Danny Daze. Il nous livre un set très progressif, efficace de bout en bout, avec un esprit Rave bien ancré, une techno qui résonne, et des mélodies inspirées! Il conclu inévitablement avec quelques classiques vu ses attaches avec le festival breton Astropolis, miroir de l'histoire de la techno! Enjoy :) ! @madben https://www.facebook.com/madbenofficial/ Pour la billeterie c'est par là: https://www.nuits-sonores.com/billetterie/ Le programme NS DAY 3 : https://www.nuits-sonores.com/les-programmes/ns-days-3/ Tracklist: 01. Specific objects - On first sight 02. Dubspeeka - Mariana 03. Madben - Landscape 04. Elliot Adamson - Every single day (Lfo mix) 05. 524F53 - Hard year 06. Conforce - Carrier signal 07. Buffered multiple - Prime time 08. Madben - Exploration 09. Das spezial - Romantic Schizophrenic 10. Vainqueur - Lyot (Maurizio mix) 11. Madben - Robots 12. Modig - Latissimus 13. Maribou state - Vale (HAAi's requiem for a remix)
Speaking on the Forefeast of the Annunciation, Fr. Andrew Stephen Damick describes the feast as being God's answer to the buffered, fenced-in selves that we ironically construct to protect ourselves even while desiring someone to reach out in love.
Ep. 130 - It’s a Rat With Robot Legs! It Can Learn Tricks! EarthQuaker Devices Swiss Things (stab: SG Electroman) 2 Effects loops, with an a/b/y switcher, boost, tuner out, expression input… everything Loop 1: unbuffered. Ideal for distortions, overdrives, vintage pedals. Loop 2: buffered, after loop 1. Ideal for modulation and time based stuff Amps: This lets you run stereo in a A, B, or Both setup. Boost switch to give those amps a little extra umph. Also features a phase switch. Buffered tuner out, high headroom output buffer to drive long cable runs Expression volume in lets you use any exp pedal to control volume. Volume is placed after loop 1 for true volume control, not for cleaning up dirty tones. “Flexi-Switching”, which is relay-based true bypass. Can be set to momentary or latching. Pretty much a small true bypass looper with a bunch of added stuff $250 Strymon Volante (stab: MH DMBL) Multi-voice, multi-head, magnetic echo machine. Four heads, each with on/off button for Playback and Feedback. Controls for Record level, mechanics (controls amount of mechanically related speed fluctuations), low cut, wear, repeats, echo level, spring reverb mix, time, and head spacing. Time controls delay time at head 4. Heads 1-3 subdivide according to the spacing knob. The repeats stop at head 4, so there is no decay unless the feedback buttons are engaged Three types of delay: Drum delay (echorec), Tape echo, and Studio (reel to reel) delay. Up for preorder, $400 They have also updated the Multi-switch to work with Volante as well as Riverside and Sunset Drive. More functions, still works with other strymon pedals. $129 Sono Amp Modeling Interface from Audient and TwoNotes $450 (stab: WA Descent) Audient desktop USB interface with 10 in / 4 out 12AX7 preamp with 3 band eq and Two notes Power Amp and Cab Simulation and re-amp output. 2 Audient console mic preamps, ADAT input, main speaker out, to amp out, headphone out, Zero latency monitoring with monitor mix. Free plugins and software with ARC. Torpedo Remote IK Multimedia AXE I/O Audio Interface $350 (stab: 805) Guitarist focussed computer USB interface 2 instrument inputs / Mic inputs, amp out, 2 line outs, external switch inputs, midi Active/Passive Pure/JFET Z-Tone impedance adapting circuit (1MOhm to 2.2kOhm) Amplitube 4 Deluxe Fender Acoustasonic Tele - video demo included (stab: MS Consider the Raven) This is supposed to be the first true hybrid between electric and acoustic guitars, not just “acoustic electric” 5 position selector for Electric, Acoustic/Electric blend, Percussion and enhanced harmonics, alternative acoustics, and core acoustics --- Send in a voice message: https://anchor.fm/thetonecontrol/message
Spring has sprung, and a lot of us are feeling it in our eyes, noses, and throats. Listen in as Christine and Jimmy discuss seasonal allergies and what you can do to ease the transition between seasons! Welcome to The Nutritional Pearls Podcast! Focusing on topics that include digestion, adrenal fatigue, leaky gut, supplementation, electrolytes, stomach acid, and so much more, “The Nutritional Pearls Podcast” features Christine Moore, NTP and is hosted by Jimmy Moore, host of the longest running nutritional podcast on the Internet. Sharing nuggets of wisdom from Christine's training as a Nutritional Therapy Practitioner and Jimmy's years of podcasting and authoring international bestselling health and nutrition books, they will feature a new topic of interest and fascination in the world of nutritional health each Monday. Listen in today as Christine and Jimmy talk all about what to do to ease the in Episode 17. Here's what Christine and Jimmy talked about in Episode 17: 1. Definition of Allergies- a damaging immune response by the body to a substance, especially pollen, fur, a particular food (protein based), or dust, to which it has become hypersensitive. an example of inflammation 2. Definition of Histamine: protein molecule produced thy basophils (a leukocyte or white blood cell) and part of the Innate Immune system. The innate immune system provides a rapid response to a wide range of invaders. They cause the blood vessels to dilate so the white blood cells can quickly find and fight the infection or problem. As it relates to seasonal allergies, symptoms can include sneezing, coughing, itchy or watery eyes, nasal congestion, and skin rashes. A. Histamine intolerances come when your body can't break down these histamines properly B. High histamine levels are caused by: 1. Allergies (Immunoglobulin E or IgE reactions) 2. Bacterial overgrowth (SIBO) 3. Leaky Gut 4. Fermented alcohol like wine, champagne, and beer 5. Histamine rich foods C. Histamine rich foods 1. Fermented alcohol like wine, champagne, and beer 2. Fermented foods like sauerkraut, vinegar, soy sauce, kefir, yogurt, and kombucha 3. Vinegar-containing foods like pickles, mayonnaise, and olives 4. Cured meats like bacon, salami, pepperoni, luncheon meats, and hot dogs 5. Soured foods like sour cream, sour milk, buttermilk, sourdough bread 6. Dried fruit like apricots, prunes, dates, figs, and raisins 7. Most citrus fruits and tomatoes 8. Aged cheeses like goat cheese 9. Nuts like walnuts, cashews, and peanuts (technically a legume) 10. Vegetables like avocados, eggplant, and spinach 11. Smoked fish and certain species of fish like mackerel, mahi-mahi, tuna, anchovies, and sardines. 12. Chocolate D. Histamine buildup causes many symptoms 1. Headache 2. Hypertension (high blood pressure) 3. Arrhythmia or accelerated heart rate 4. Flushing 5. Nasal congestion 6. Sneezing 7. Hives 8. Fatigue 9. Abdominal cramps 3. There can be several different types of allergies A. Allergies to foods-allergies to foods according to the medical definition can only happen to some type of protein based food. A sensitivity is where a person has an “allergic type” reaction to foods that are not protein based. 1. Can be inherited 2. Most develop due to digestive problems and dietary stressors a. Hypochlorhydria-too little stomach acid b. Inability to digest fats which are needed for a healthy immune response c. high blood sugars-deplete nutrients needed for a healthy immune system (zinc, Vitamin C, Vitamin D, iodine—natural antibacterial and anti-viral agent) and reduces white blood cell actibity d. Poor adrenal function-cortisol regulates white blood cell activity 1. Too high of cortisol amounts in the body depresses the immune system 2. Too low of cortisol amounts in the body causes a runaway immune system e. Dehydration-causes the blood and lymph to become viscous and nutrients and others substances can't effectively need to get where they need to go. B. Allergies to Non-Food items 1. Environmental a. Grass b. Pollen c. Perfume d. Cosmetics e. Latex f. Different metals like nickel or gold 2. Animals like dogs, cats, and other animals 3. Medications-antibiotics like penicillin—dad has this 4. Five Classes Of Antibodies A. IgM or Immunoglobulin M 1. 5%-10% of all antibodies 2. Found in blood and lymph B. IgD or Immunoglobulin D 1. 0.2% of all antibodies 2. Found in the blood, lymph, and on the surfaces of B Cells as antigen receptors (antibody protein that is not secreted but is anchored to the B-cell membrane that help fight infection.) C. IgG or Immunoglobulin G 1. 80% of all antibodies 2. Found in blood, lymph, and intestines 3. Develop as a result of lifestyle- sex, age, alcohol consumption, smoking and common metabolic abnormalities (hyperlactemia which is an Increased level of lactate-- A salt or ester of lactic acid in the blood--without evidence of lactic acidosis or shock, hemochromatosis which is an iron metabolism disorder, Acid Lipase Disease—an inability to breakdown fats and as a result fats build up in the cells of the body—is a lipid metabolism disorder D. IgE or Immunoglobulin E 1. 0.1% of all antibodies 2. Involved in allergic or hypersensitivity reactions 3. Attach to Basophils/Mast Cells to induce histamine secretion E. IgA or Immunoglobulin A 1. 10%-15% of all antibodies 2. Found in sweat, tears, saliva, mucus, milk, and gastrointestinal secretions (mucus, acid, proteases like pepsin, trypsin, bromelain—break down proteins into their building blocks) 5. The antibody involved in allergic or hypersensitivity responses is Immunoglobulin E or IgE for short A. These make up 0.1% of all antibodies B. They attach to basophils or mast cells to induce histamine secretion 6. Supplements that can help seasonal allergies A. Freeze Dried Stinging Nettle-a herbaceous plant that has jagged leaves covered with stinging hairs. B. Quercetin- a plant pigment (flavonoid). It is found in many plants and foods, such as red wine, onions, green tea, apples, berries, Ginkgo biloba, St. John's wort, American elder, and others C. Zinc D. Buffered Vitamin C (Ascorbic Acid)-a vitamin found particularly in citrus fruits and green vegetables. Buffered vitamin C combines calcium ascorbate, magnesium ascorbate, and potassium ascorbate to create a neutral pH vitamin C. Nutritional Pearl for Episode 18: Eating a whole foods diet will lessen the chances of a person from suffering from allergies of any type, even seasonal allergies BECOME A NUTRITIONAL THERAPY PRACTITIONER NOTICE OF DISCLOSURE: Paid sponsorship YOUR NEW KETO DIET ALLY NOTICE OF DISCLOSURE: Paid sponsorship LINKS MENTIONED IN EPISODE 18 – SUPPORT OUR SPONSOR: Complete nutriton for nutritional ketosis () – SUPPORT OUR SPONSOR: –
You’ve probably heard that creatine is one of the few supplements that don’t suck…and you’ve heard right.It’s the most well-researched molecule in all of sports nutrition–the subject of hundreds of scientific studies–and its benefits are clear: It helps you build muscle faster. It helps you get stronger faster. It improves anaerobic endurance. It improves muscle recovery. What isn’t so clear, though, is which form you should take and why.Is something fancy sounding like creatine nitrate worth it?What about ethyl ester or hydrochloride?Liquid or powder?Buffered or micronized?Or can the old faithful creatine monohydrate give you everything you need?Well, this episode is going to answer all these questions and more, and by the end, you’ll know how to get the most bang for your creatine buck. Want to get my best advice on how to gain muscle and strength and lose fat faster? Sign up for my free newsletter! Click here: https://www.muscleforlife.com/signup/
In this episode, Mark is joined by Joe Halpern, Founder and CEO of Exceed Investments. They discuss: What is Exceed Investments? The Exceed Defined Shield Investment Fund Is there a standardized methodology for the fund? The obsession with short duration How did they arrive at 12.5% How are they dealing with record low volatility? The volatility in the political sphere On the hunt for yield The use of options by financial advisors Want more information? Check out catalystmf.com or exceedinvestments.com
In this episode, Mark is joined by Joe Halpern, Founder and CEO of Exceed Investments. They discuss: What is Exceed Investments? The Exceed Defined Shield Investment Fund Is there a standardized methodology for the fund? The obsession with short duration How did they arrive at 12.5% How are they dealing with record low volatility? The volatility in the political sphere On the hunt for yield The use of options by financial advisors Want more information? Check out catalystmf.com or exceedinvestments.com
It's fair to say that Simon Finfer has had a rather large impact on ICU research in the past couple of decades. A key member of the original ANZICS Clinical Trials Group, principle investigator for several major trials and the father of this particular meeting, first convened nearly 20 years ago. In this interview from the CTG Noosa meeting, Simon chats about the upcoming PLUS trial, looking for evidence that buffered fluids for resuscitation of ICU patients improves outcomes compared with normal saline.
[audio:http://traffic.libsyn.com/takacslearningcenter/TDS236.mp3] Podcast: Download | Play in new window/mobile device Running Time: 60 minutes One of the best ways to build your practice is to become known by your patients and by people in your community as the ‘Painless, On Time …
Chasing Tone - Guitar Podcast About Gear, Effects, Amps and Tone
This week on Chasing Tone, Travis, Max, and Brian talk about true bypass versus buffers/buffered bypass and other shenanigans.
Tornado sirens, falling down stairs and a rant about bending strings - I finally talk about true bypass switching and buffered signals
This is a good one. Someone is actually observing himself.
The Genealogy Gems Podcast with Lisa Louise Cooke - Your Family History Show
Published Oct 7, 2010 Episode 98 - The Journey Takers NEWS: Thank you to the Genealogy Bloggers who blogged about the new Google Earth for Genealogy Volume II DVD: Dick Eastman - Randy Seaver - Thomas MacEntee - Diane Haddad Jenna posted on Facebook about the recent Google Earth for Genealogy edition of the Premium Podcast: "Premium Episode 55...two thumbs up!" on interview with Susan Kitchens MAILBOX: Simona MacAngus wrote in to say she loves the “You have a fantastic podcast! And I have to say, you have such a clear pleasant speaking style that is a pleasure to listen to. You keep a "smile" in your voice throughout the podcast. Wonderfully refreshing and one can catch every word you speak.” “We have been spending a lot of time together lately Lisa Louise. You have been going with me on walks with my dog, on drives into the town and even talking me to sleep at night! Finally I went to your site today to subscribe to your newsletter. Its like I can't get enough of what you have to teach.” “Hi Lisa, I've only recently started my genealogy and listening to your various podcasts has been a huge help with my research. You're so warm and friendly that it makes it a pleasure to listen.” Kirsty Martin on Genealogy Wise Brandt asked about Buffered Paper: Go to the and do a search on: Buffer paper is not always called "Buffered" - in fact you tend to get a lot of other types of results. What you're looking for is Paper buffered with calcium carbonate 2-3% alkaline reserve, pH 9 ±0.5, acid-free Ann and Barbara were wondering the same thing: do you have to have a Paypal account to sign up for Answer: No,You can pay with a credit card through paypal without having to have a paypal account. You will see in the bottom left corner of the check out page (where it also asks you to log in to Paypal) "Don't have a Paypal account?" and you just click the CONTINUE link to pay with a major credit card. It's the same as swiping it at any store. I've been using Paypal for 4 years now and have never ever had a problem. It's is very safe and secure! GEM: Interview with
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