Podcasts about conclusion for

China is determined to reincorporate Taiwan—raising the stakes for countries and for businesses.     By 2027, China could be militarily capable of taking over Taiwan, backed by the world's largest navy and a growing air force. What's next for China-Taiwan relations, and how does their relationship affect Western businesses?     Join Steve Odland and guest Dr. Lori Esposito Murray, senior fellow for national security and managing director of CEO programs at the Council on Foreign Relations, to find out how Taiwan got here, why China could seek to blockade or quarantine Taiwan, and what options are available to the US to deter or counter such threats.    (01:01) China's Military Buildup (03:41) Historical Context of China-Taiwan Relations (04:43) Post-WWII and Civil War Dynamics (07:38) US-China-Taiwan Relations and Policies (09:54) Europe's Stance on Taiwan (12:00) China's Intentions and Taiwan's Response (15:05) Potential Conflict Scenarios (24:02) Business Implications and Conclusion     For more from The Conference Board:  The US-China Trade War Escalates  China, Taiwan, Japan, and the New Administration  The Future of the CHIPS and Science Act 

#AskDrJohnWattsPatients often have numerous questions about baldness, hair grafts, hair loss, hairlines, hair transplant procedures, post-transplant care, and medical treatments for hair loss. This is especially true for followers of Dr. John Watts, who frequently inundate his popular channel with queries on these hair-related topics.

In this episode of Energy News Beat - Conversation in Energy, host Stuart Turley sits down with Frank Snell of Liberty Sentinel. They discuss the booming energy sector, focusing on Trump's initiatives and the future of natural gas and data centers. Frank highlights Liberty Sentinel's investments in energy assets and their innovative approach to digital currency and immigration. The conversation touches on political and economic themes, emphasizing their impact on the energy industry's future in Texas and beyond.Thank you, Frank, for stopping by the booth at NAPE! Highlights of the Podcast00:00 - Intro01:14 - Texas as a Data Center Hub01:33 - Innovative Approach to Gas and Energy02:19 - Liberty Sentinel's Gas Production Efforts02:39 - Excitement Around Trump's Energy Initiatives03:50 - Trump's New Ideas on Immigration04:55 - Stable Digital Currency Redeemable in Gold05:40 - Addressing the Global Cabal06:44 - Energy Politics and the Podcast's Mission06:53 - Contact Information and Media Coverage07:43 - Collaboration with Energy Asset Owners08:13 - Conclusion For the Transcript and video; https://theenergynewsbeat.substack.com/

What did the recent AI Summit reveal about the state of AI, including the energy problem?     The recent AI Summit in Paris raised key issues about AI regulation—and saw the US and UK refuse to sign on to the declaration.     Generative AI is becoming autonomous—not only performing assigned tasks but figuring out how best to achieve goals. How likely is a “Terminator” scenario, and how should the world address important issues such as energy use, regulation, and deepfakes?     Join Steve Odland and guest Ivan Pollard, Center Leader for Marketing & Communications at The Conference Board, to learn the difference between generative AI and autonomous AI, the potential dangers of unchecked AI, and why the US and UK refused to sign on to the recent Paris declaration.     (00:33) Defining AI and Large Language Models (01:57) Generative and Autonomous AI (04:37) AI Safety and Global Conferences (07:05) Regulation and Innovation Balance (08:37) Potential Dangers of AI (13:35) Machine Learning and Bioethics (18:26) AI in Intellectual Property (23:32) Sustainability and Energy Concerns (25:46) Future of AI and Conclusion   For more from The Conference Board:  What the Paris AI Summit Means for US Innovation  As AI Comes into Play, Business Models Will Change  Policy Alert: Rescinding AI Safety Executive Order 

If you're a non-technical founder or leader, you might find developers frustrating to work with. (They also think the same thing about you) Developers resist quick changes, seem annoyed by status meetings, and always want the most expensive equipment. That's not because they are prima donnas. This episode will explain why developers work so differently from other professionals, and show you how to create communication systems that work for both business and technical teams. Listen to learn: Why a "5-minute change" actually costs 2 hours of developer time The hidden costs of cheap equipment that hurt your bottom line How to structure meetings to maximise development speed Practical communication strategies that get results Resources mentioned in this episode: https://paulgraham.com/makersschedule.html   Timestamps 00:00 Introduction 001:10 Developer Mindsets 02:55 The Importance of Sprints 06:10 Managing Developer Interruptions 09:04 The Maker vs. Manager Schedule 11:59 Hiring and Equipment Considerations 14:50 Effective Communication 18:05 Developer Productivity 21:00 Conclusion   For the transcript, go to: https://www.techfornontechies.co/blog/243-how-to-work-with-developers-a-guide-for-non-technical-leaders   For more career & tech lessons, subscribe to Tech for Non-Techies on: Apple Spotify YouTube Amazon Podcasts Stitcher Pandora   FREE COURSE: 5 Tech Concepts Every Business Leader Needs To Know Growth Through Innovation If your organisation wants to drive revenue through innovation, book a call with us here. Our workshops and innovation strategies have helped Constellation Brands, the Royal Bank of Canada and Oxford University.

Episode 95 with John Gardner, skateboarder and student social worker from New Jersey. Together we discussed his life and career, from growing up and picking up his first board in New Jersey to moving to California in 2017, officially getting on the DC shoes team and becoming their global TM, turning pro for Creature Skateboards in 2021, since 2023 transitioning into mental health awareness, moving back east early 2024 and settling down in Asheville, NC and everything in between through surprise questions from friends of his.(00:13) – Intro (01:25) – Jordan Gesko (03:33) – Paul Overstrom(06:06) – Chris Ray(12:33) – Zach Gesko (14:52) – Alex Pennacchia(20:01) – Evan Smith (21:24) – Jill Wijangco(26:17) – Elias Parise(31:14) – Ace Pelka(34:35) – Darren Navarette(35:19) – Shintaro Hongo(36:56) – Felipe Amigo(38:57) – Austin Leleu(43:30) – Mike Heikkila (47:55) – Jake Baldini (51:38) – Chris “Rhino” Rooney(55:34) – Martin Fobes (58:46) – Jimmy Astleford(01:03:51) – Andy Enos(01:07:06) – Lauren Valls(01:10:22) – Brandon Turner(01:14:49) – Joel Pippus(01:18:30) – Léo Valls(01:22:43) – John Rattray(01:26:30) – Kim and Ray Turpin(01:33:09) – David Manaud(01:34:33) – Sergio Cadaré(01:38:47) – Wes Kremer(01:42:47) – Conclusion For more information and resources: https://linktr.ee/beyondboardsHosted by Ausha. See ausha.co/privacy-policy for more information.

In this episode of the Wealthy Practitioner Podcast Stephanie welcomes Monica Yates, to discuss the balance of feminine and masculine energies in business. Monica shares her journey from starting a food blog to becoming a life coach specializing in women's health and energy alignment. The conversation dives deep into how understanding and balancing these energies can lead to greater personal and professional success, for both men and women. Monica emphasizes the importance of recognizing each individual's unique flavor of feminine energy, advocating for a holistic approach to entrepreneurship. They also discuss practical tips for couples working together and the significance of recognizing intimate moments within professional settings. Monica's upcoming book, which further explores these themes releases in early April! 00:00 Welcome and Introduction 00:55 Monica Yates' Entrepreneurial Journey 03:02 The Evolution of Monica's Business 09:19 Understanding Feminine and Masculine Energies 22:24 Balancing Work and Personal Life 28:20 Upcoming Book Release and Conclusion For more from Monica follow her on instagram @monicayateshealth Purchase Monica's book available for presale here: https://www.becomingherbook.com/ As a reminder our Early Bird tickets for the Profit and Purpose Workshop ends THIS FRIDAY. Make sure to grab your ticket while we still have them available! https://thewealthypractitioner.com/profit-and-purpose-workshop

Have you noticed how some people seem to know exactly the right person to call when they need something? That's not luck - it's strategic networking. If you're an innovator with ambition, you need to build your network strategically. This episode will help you plan whom you need, why you need them and how to find them. Listen to learn: The 8 categories of professionals you need in your network if you want to build something new The types of developers to have in your network and how to connect with them Why you need both VCs and public market investors for different perspectives - even if you're not raising money How to surround yourself with highly successful people who expand your sense of what's possible Real examples of finding your tribe of ambitious innovators who are actually doing things, not just talking Whether you're starting a tech company, driving innovation in a corporate role, or exploring new opportunities, you'll learn how to build the right relationships that will nourish you for the long term.    Timestamps 00:00 Introduction 03:01 Developers in Your Network 05:52 The Investor Perspective 09:13 Vision Expanders 12:00 Regulators in Innovation 14:48 Finding Your Tribe of Outliers 19:11 Leveraging Industry Veterans 23:04 Media Allies 25:58 Academic Connections 29:49 Conclusion   For the transcript, go to: https://www.techfornontechies.co/blog/the-8-types-of-people-you-need-in-your-network   For more career & tech lessons, subscribe to Tech for Non-Techies on: Apple Spotify YouTube Amazon Podcasts Stitcher Pandora   FREE COURSE: 5 Tech Concepts Every Business Leader Needs To Know Growth Through Innovation If your organisation wants to drive revenue through innovation, book a call with us here. Our workshops and innovation strategies have helped Constellation Brands, the Royal Bank of Canada and Oxford University.

Want to know how Apple turns technical features into stories that make people line up around the block for new products? In this episode you will learn the 3 step product storytelling framework that transforms complex features into benefits users love. Every successful tech company has mastered the art of product storytelling, so if you want your innovations to succeed, you need this skill too. Listen to learn: The 3-part framework behind every great product story Why product storytelling is more important than investor pitching Why talking about amazing tech pushes users away Simple ways to practice better product storytelling today Whether you're a founder trying to get users to love your product or a corporate innovator, this episode will transform how you communicate your product's value to your most important audience: your customers.   Timestamps 00:00 Introduction 01:20 Product Storytelling 04:32 Duolingo: A Case Study  06:54 Spotify's Storytelling Framework 09:16 Features vs. Benefits 12:43 Implementing Product Storytelling 17:02 Conclusion   For the transcript, go to: https://www.techfornontechies.co/blog/the-secret-to-user-growth-turn-features-into-stories   For more career & tech lessons, subscribe to Tech for Non-Techies on: Apple Spotify YouTube Amazon Podcasts Stitcher Pandora   FREE Course: 5 Tech Concepts Every Business Leader Needs To Know Growth Through Innovation If your organisation wants to drive revenue through innovation, book a call with us here. Our workshops and innovation strategies have helped Constellation Brands, the Royal Bank of Canada and Oxford University.

#AskDrJohnWatts There is a growing craze surrounding Hakki Pikki Adivasi hair oil, with people attracted by its bold claims of being a comprehensive solution for achieving dense and long hair while addressing baldness. What's the truth? In this educational video, Dr John Watts discusses its pros and cons. It's natural to be drawn to the promises of dark, dense, and long hair with traditional hair oils, especially when celebrities endorse them. However, how accurate are the claims made by the makers of Hakki Pikki Adivasi hair oil? Renowned Hyderabad dermatologist and trichologist Dr John Watts explores this in depth. He notes that while hair growth can be supported by rosemary oil, hair serums, or Minoxidil, the same cannot be said for Hakki Pikki Adivasi hair oil. In response to the popularity of Hakki Pikki Adivasi hair oil, several imitators and counterfeit brands have emerged. These products are often promoted during handicraft expos. Ingredients of Hakki Pikki Adivasi Hair Oil: The primary ingredients in Hakki Pikki Adivasi hair oil include Bhringraj, fenugreek, curry leaves, onion extracts, amla, neem, hibiscus, coconut oil, and various other Ayurvedic components. These ingredients are claimed to make hair shiny, long, and dense, reduce baldness, and improve hair texture. Users are advised to apply the oil half an hour before bathing, massage the scalp gently, and then wash with shampoo. The recommendation is to use the oil for at least three months. Hakki Pikki Adivasi Hair Oil Benefits: The tribal makers list the following benefits: Shiny hair Cool scalp No headache New hair growth in bald areas Hair fall control Criticism of Hakki Pikki Adivasi Hair Oil: Dr Watts criticizes Hakki Pikki Adivasi hair oil, stating that there are no scientific studies or randomized controlled trials to substantiate these claims. The product relies on word-of-mouth marketing rather than scientific evidence. Dr Watts explains that baldness is primarily caused by genetic and hormonal factors, and no hair oil can counteract DHT (dihydrotestosterone) or work internally at the hair roots. While the oil may stimulate temporary hair growth, it cannot prevent DHT from causing hair loss once its use is discontinued. Conclusion: For addressing baldness, the most reliable solutions are hair transplant procedures and preventive medications like DHT blockers. Trichos provides state-of-the-art treatment for various hair loss conditions and offers advanced hair transplant solutions. Call us today for a life-changing experience.

President-elect Donald Trump is already breaking norms with his unusual transition process. What will be his domestic priorities in 2025, and how much can he get done without Congress?      Join Steve Odland and guest John Gardner, vice president of public policy at the Committee for Economic Development (CED), the public policy center of The Conference Board, to find out what to expect for the federal budget, immigration enforcement, and tariff and tax policies.     (00:45) Transition Challenges for the New Administration (02:57) Key Domestic Policy Priorities (04:56) Tax Policy and Legislative Strategy (08:33) Tariffs and Trade Policy (10:13) Immigration and Border Control (13:08) Energy Policy and Environmental Regulations (16:11) Geopolitical Tensions: Russia and Ukraine (18:28) Geopolitical Tensions: China and Taiwan (23:41) Judicial Appointments and Conclusion   For more from The Conference Board:  US Election, Transition, and Early Actions of the New Administration  2024 Election Implications for the US Labor Market  The Future of Greening and Industrial Policies Post Election 

Season 1, Episode 13: This season finale of No Cap by CRE Daily features a rare conversation with Richard Byrne, President of Benefit Street Partners and CEO of Franklin BSP Capital Corp. Join hosts Jack Stone and Alex Gornik as they explore Richard's incredible career—from his early jobs and rapid rise at Merrill Lynch in the 80s to his transition into real estate lending at Benefit Street Partners.   TOPICS 00:00 – Introduction 00:27 – Richard's Early Life and First Jobs 03:10 – Climbing the Ladder at Merrill Lynch in the 80s 08:29 – From Casinos to Deutsche Bank 12:50 – Transition to Real Estate Lending 20:49 – Early Involvement with RFT 22:28 – Exploring FBRT and Other Service Lines 24:47 – The Role of Opportunistic Debt Funds (ODFs) 31:51 – Optimism in Today's Real Estate Market 34:57 – Who's Still Pursuing Multi-Property Deals 38:38 – Risk Management in Today's Market 41:15 – Standing Out in the Industry 47:13 – A Banker's Path to Jiu-Jitsu 58:32 – Advice for Young Professionals 01:01:27 – Conclusion   For more episodes of No Cap by CRE Daily visit https://www.credaily.com/podcast/   Watch this episode on YouTube: https://www.youtube.com/@NoCapCREDaily     About No Cap Podcast Commercial real estate is a $20 trillion industry and a force that shapes America's economic fabric and culture. No Cap by CRE Daily is the commercial real estate podcast that gives you an unfiltered ”No Cap” look into the industry's biggest trends and the money game behind them. Each week co-hosts Jack Stone and Alex Gornik break down the latest headlines with some of the most influential and entertaining figures in commercial real estate.     About CRE Daily  CRE Daily is a digital media company covering the business of commercial real estate. Our mission is to empower professionals with the knowledge they need to make smarter decisions and do more business. We do this through our flagship newsletter (CRE Daily) which is read by 65,000+ investors, developers, brokers, and business leaders across the country. Our smart brevity format combined with need-to-know trends has made us one of the fastest growing media brands in commercial real estate.

You can get your dream job, your dream client or your ideal investor at a tech event. But, going to a tech conference can also be a spectacular waste of money. So how do you get the former and avoid the latter? Listen to this episode to find out.   Timestamps 00:00 Introduction 02:00 Why you should go to conference events 02:59 Conferences are a serious investment  04:18 Conference ROI rules 08:15 What to do at the conference  13:18 Conclusion   For the transcript, go to: https://www.techfornontechies.co/blog/225-how-to-get-roi-from-a-tech-conference   For more career & tech lessons, subscribe to Tech for Non-Techies on: Apple Spotify YouTube Amazon Podcasts Stitcher Pandora   FREE GUIDE: The Pragmatist's Guide To Innovation (in business & in life) by Sophia Matveeva, supported by researchers from The University of Chicago   Growth Through Innovation If your organisation wants to drive revenue through innovation, book a call with us here. Our workshops and innovation strategies have helped Constellation Brands, the Royal Bank of Canada and Oxford University.

Have you ever wondered why some people find smart innovative solutions to problems, and others stay stuck? In this episode, you'll learn you a simple technique that innovators use to make new products and solve business challenges. And you can also use this methodology for any area of your life, so listen up! You'll learn about the 5 whys process, hear two case studies for how to use it, and get guidelines for how to get started.   Timestamps   00:00 Introduction  02:46 Five Whys Methodology 06:05 Applying the Five Whys: Bakery Example 08:51 Applying the Five Whys: App Development Example 12:01 Effective Use of the Five Whys 13:53 Conclusion   For the transcript, go to: https://www.techfornontechies.co/blog/220-how-5-simple-questions-can-solve-your-toughest-problems   For more career & tech lessons, subscribe to Tech for Non-Techies on: Apple Spotify YouTube Amazon Podcasts Stitcher Pandora   Growth Through Innovation If your organisation wants to drive revenue through innovation, book a call with us here. Our workshops and innovation strategies have helped Constellation Brands, the Royal Bank of Canada and Oxford University.

How can you tell which innovations will last and what's just hype? Are we in a generative AI bubble? There is a methodology called the Hype Cycle that venture capitalists use to answer these questions. But is this methodology foolproof? Find out in today's episode.   Timestamps 00:00:00: Introduction 00:01:34: Innovative tech education. 00:02:34: Distinguishing between innovation and trends 00:03:35: Time as a valuable asset 00:04:39: The Hype Cycle 00:09:42: Five phases of the Hype Cycle 00:13:15: Hype Cycle's accuracy 00:15:41: Evaluating technology beyond the hype 00:18:47: Conclusion    For the transcript, go to: https://www.techfornontechies.co/blog/the-hype-cycle-vcs-use-it-but-should-they   For more career & tech lessons, subscribe to Tech for Non-Techies on: Apple Spotify YouTube Amazon Podcasts Stitcher Pandora   Growth Through Innovation If your organisation wants to drive revenue through innovation, book a call with us here. Our workshops and innovation strategies have helped Constellation Brands, the Royal Bank of Canada and Oxford University.  

In today's episode of the MSF Farm Talk podcast, hosts Tanja Morgan and Nick Paltridge provide a regional seasonal update as part of the Future Drought Fund De-Risking Seeding Project and the Extension and Adoption Project. They discuss the latest trials from New South Wales, exploring the benefits of early and deep sowing techniques, varietal differences in wheat, and soil amelioration efforts. Interviews with local farmers Peter and Nigel Baird shed light on their experiences with wheat and pulse crops under challenging moisture conditions. The episode emphasises planning, weed control, and timely sowing as key strategies to manage a dry season effectively. 00:00 Introduction and Overview 00:54 Wheat Variety Trials and Sowing Techniques 03:20 Pulse Crops and Soil Amelioration 05:48 Field Day Insights and Seasonal Challenges 09:51 Future Plans and Conclusion For more info and photos from the field days check out the blog post click hereSupport the show: https://msfp.org.au/about/membership/See omnystudio.com/listener for privacy information.

With internships drawing to their completion at CCBR, as well as numerous other pro-life organizations around the world, it is a vital time to provide a small amount of guidance for those stepping out of the Wardrobe and returning to their home communities. #prolifegeneration #prolife #prolifemovement In today's episode, host Cam talks through 6 important steps for returning home and allowing your training and experience continue to shape your life and the lives around you. 00:00 Introduction 02:56 Cam babbling about different fantasy series' 09:10 Step 1 - Rest 10:20 Step 2 - Intentional reflection 11:55 Step 3 - Reconnect with friends and family in your community 13:55 Step 4 - Remember the plight of the pre-born 14:55 Step 5 - Reengage 17:03 Step 6 - Reconnect with ALL of your fellow intern alumni 19:50 Conclusion For more PLG podcast content, go to www.prolifeguys.com Contact Cam with ideas, comments, and questions at email@prolifeguys.com

Burberry underwent a strategic transformation, embracing digital innovation. This ended up quadrupling their share price. This is a prime example of why public perception of innovation is just as important as innovation.  Listen to this episode to learn more!   Timestamps 00:00:00 - Introduction 00:01:26 - The power of perception 00:02:32 - Burberry's radical transformation 00:03:32 - Burberry's digital innovation 00:05:42 - Aligning brand perception with strategic innovation. 00:07:35 - Branding and Public perception 00:09:30 - Innovation strategies 00:10:29 - Public innovation as a strategic business tool 00:12:21 - Conclusion   For the transcript, go to: https://www.techfornontechies.co/blog/public-vs-private-innovation   For more career & tech lessons, subscribe to Tech for Non-Techies on: Apple Spotify YouTube Amazon Podcasts Stitcher Pandora Do you want to succeed in the Digital Age? Check out the Digital Leadership Coaching Program Say hi to Sophia on Twitter and follow her on LinkedIn. Following us on YouTube, Facebook, Instagram and TikTok will make you smarter

Vanguard Hosts Brad Wright and Chris Boyd are joined by Ted Dinucci, an investment strategist with Vanguard's Investment Advisory Research Center, the team tasked with creating thought leadership for their intermediary advisory partners across a range of investment, wealth management, and financial planning topics. They discuss: -Individual bonds vs bond funds - How to utilize each for income during retirement -Which is better during a falling interest rate environment Learn more at: https://advisors.vanguard.com/advisors-home Join Vanguard at the following New England locations: -Vanguard RIA Social:  Envio on the Rooftop – Portsmouth, NH:  Wed Aug 21 st   4:30pm –7:30pm   PLEASE RSVP -Vanguard RIA Social:  Granary Tavern – Boston (Financial), MA:  Thurs Aug 22 nd 4:30pm-7:30pm   PLEASE RSVP -Vanguard RIA Meet & Connect Luncheon – Riverbend (Marriott) Newton, MA:  Thurs Aug 22 nd  12pm-2pm PLEASE RSVP - Vanguard Symposium - Marriott Long Wharf – Boston, MA:  Thurs, Oct 24 th  9:30am–3pm:   RESERVE A SPOT NOW and you'll receive an email invite. Additional details to follow. Or at the FPA-NE NexGen event: - FPA NE NexGen Presents Build Your Client Service Team (formally Cross Industry Networking): Lily's Boston (Financial) Thus, Aug 8 th  5pm – 7pm - one of FPA's most popular events of the season! https://lp.constantcontactpages.com/ev/reg/t3jvpz5 [lp.constantcontactpages.com]   Investment Advisory Research Center OCTOBER 2022 Individual bonds versus bond funds: Our thoughts on the advisory practice and client outcomes Key takeaways • Forecasting markets accurately is difficult. A much more reliable prediction to make: What questions clients will ask during periods of rising interest rates. Inevitably, rising rates environments prompt a flood of inquiries about whether advisors and their clients are better off purchasing individual bonds or pooled products, such as mutual funds and exchange-traded funds (ETFs). These questions stem directly from the “principal at maturity” myth, which argues that bond funds will sell bonds at a loss when rates rise, while portfolios of individual bonds can be held to maturity and avoid losses. • Ultimately, bond funds operate the same way as portfolios of individual bonds when cash flows are being reinvested. However, the former generally offer greater return opportunities, lower transaction costs, and higher liquidity—as well as time savings for your practice—than comparable portfolios of individual bonds. Thus, advisors pursuing portfolios of individual bonds should expect to pay greater direct and indirect costs for maintaining complete control of client bond portfolios. The price tag for this control is higher for buyers of municipal and corporate bonds than for buyers of U.S. Treasuries. • Given the higher risks and costs associated with portfolios of individual bonds, and the time they take to manage, most advisors are better served by low-cost mutual funds and ETFs. Particularly in the case of municipal and corporate bonds, it is likely that only clients with enough resources to build a portfolio of comparable scale to a mutual fund (or ETF) can afford to pay the costs for these control advantages. • Consider this report as a resource to inform your client discussions—either for proactive conversations about fixed income portfolio decisions, or to satisfy questions and concerns clients bring to you. For clients who may be partial to holding individual bonds for emotional reasons, the following analysis provides you with empirical data points that could guide them to a more beneficial approach. We also believe the strategies outlined herein can ultimately empower you with more time for higher-value activities, such as deepening client relationships. Authors: Ted Dinucci, CFA | Chris Tidmore, CFA, CPA | Chris Pettit, CFA Acknowledgments: The authors extend our thanks to Elizabeth Muirhead, CFA, and Edward Saracino for their contributions to this report, and to Donald G. Bennyhoff, CFA, and Scott J. Donaldson, CFA, for their prior research, which greatly informed this paper. 2 Introduction The market and economic backdrop today appear highly uncertain, with the highest inflation in 40 years, a series of large rate hikes from the Federal Reserve, and Russia's war in Ukraine, to name a few factors. Understandably, the confluence of these events has led to significant market volatility. It's also led some investors to question the merits of pooled bond vehicles and to ask whether they may be better served by directly owning a portfolio of individual bonds. In some cases, there can be benefits to owning individual bonds, for instance, a nominal immunization strategy where the goal is matching portfolio cash flows to liabilities. However, for the vast majority of advisors and the investors they serve, the likely appeal of individual bonds is largely based on the principal at maturity myth, and embracing it is likely to diminish returns, diversification, and return on your time. This paper offers our perspective on the primary advantages bond funds have over portfolios of individual bonds in the three key regards of returns, diversification, and return on your time (in exchange for less control over individual securities).1 More important, for the vast majority, accessing fixed income via low- cost active or passive funds is likely to provide better outcomes than the direct ownership of individual bonds—even with the hurdle of ongoing management fees. However, we'll first address the flaws in the principal at maturity myth, since this misconception is what generates so much interest in the topic. FIGURE 1. Benefits of choosing either a bond fund or individual bond BOND FUNDS INDIVIDUAL BONDS INCREASED CONTROL ✓ INCREASED DIVERSIFICATION ✓ INCREASED RETURN OPPORTUNITIES ✓ LOWER TRANSACTION COSTS ✓ 1 Vanguard 2017. 3 FIGURE 1. Benefits of choosing either a bond fund or individual bond BOND FUNDS INDIVIDUAL BONDS INCREASED CONTROL ✓ INCREASED DIVERSIFICATION ✓ INCREASED RETURN OPPORTUNITIES ✓ LOWER TRANSACTION COSTS ✓ The principal at maturity myth Holding an individual bond to maturity offers little to no financial benefit to you or your clients versus a pooled product when cash flows are reinvested, as often occurs in laddered individual bond strategies.2 Both portfolios operate in a similar way, but the laddered portfolio is likely to incur greater trading costs and have less diversification. The way that advisors account for laddered bonds in their client statements—by not marking the bonds to their current value, in order to avoid recognizing a paper loss—helps to reinforce the behavioral bias and may mitigate business risk for the advisor. Ultimately, bond prices are inversely related to changes in interest rates: When interest rates rise, the bond's price falls, and vice versa. This is because a bond's coupon payments are typically fixed at issuance, leaving price as the only variable that can be adjusted to make the bond's yield competitive with that of newly issued bonds of similar risk and maturity. This is illustrated in Figure 2. If 10-year bonds are currently yielding 4%, the price of a 2% coupon bond—to be competitive—must decline to a level that results in a 4% yield-to-maturity. In this example, that price is 83.65% of the face value (or $836.50 per $1,000 face value). The 2% bond would provide the same return as the 4% coupon bond trading at par, but some of the return would come from the bond's appreciation from $836.50 to its $1,000 value at maturity, as opposed to the coupon payments. This price adjustment punctures the common myth that holding an individual bond to maturity will provide a financial benefit to your clients. Absent transaction costs, when interest rates change, prices adjust so that total returns will be equal from that point forward, regardless of whether the bond is held to maturity or sold at the prevailing market price with the proceeds reinvested. FIGURE 2. How bond prices adjust to keep yields-to-maturity the same A comparison of hypothetical bonds with 10 years to maturity Coupon (annual interest payment) 6% 4% 2% Market price as a percentage of face value 116.35% 100% 83.65% Yield to maturity 4% 4% 4% Source: Vanguard. This hypothetical illustration does not represent any particular investment and the rate is not guaranteed. FIGURE 3. Total returns closely match starting yields, regardless of whether prices are above (or below) par 14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 1989 1991 1993 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 Forward annualized return versus starting yield Starting yield Forward annualized return when starting price is above par Forward annualized return when starting price is below par Figure 3 demonstrates this point by comparing the forward annualized return for the Bloomberg U.S. Aggregate Bond Index, adjusted for duration, with its starting yield. Here, it is readily apparent that future returns closely track starting yields. Moreover, the narrative doesn't change whether the index is trading above or below par. Therefore, when evaluating bonds with the same characteristics but with different coupon payments, it is always best to compare their yields to maturity.3 Notes: Returns represent the annualized return on the Bloomberg U.S. Aggregate Bond Index using monthly data for the period that aligns with the index's starting modified adjusted duration, rounded to the nearest month. For instance, if on December 31, 2005, the duration on the index was 5 years, the forward annualized return would be from January 1, 2006, to December 31, 2010. Yields represent the index's yield to worst (YTW) at the start of each calculation period. YTW is a measure for the lowest possible yield that may be earned on a bond absent the issuer defaulting. The last observation in the figure is September 30, 2015, because after that date the index's starting duration is longer than the time series. Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Sources: Vanguard analysis of Bloomberg data, as of March 2022. 2 Laddering refers to building a portfolio of bonds with a range of maturities. 3 Yield-to-maturity is the percentage rate of return on a bond, assuming that the bond is held to maturity. For bonds that may be called prior to their stated maturity, yield-to-worst is a preferable measure, as it accounts for the bond's call feature and represents the lowest possible yield that may be earned assuming no default. 4 As mentioned, this principal at maturity myth typically surfaces only when interest rates rise or are expected to rise. If rising rates mean there is a financial benefit to holding bonds to maturity, then falling rates should mean there is a benefit to selling them and reinvesting the proceeds in new bonds. Thus, an active trading strategy would be preferred over a simple buy-and-hold, laddered bond portfolio to take advantage of the market inefficiency. Ironically, this environment has been the norm for the past 20-plus years, yet the trading concept has not been endorsed by the investment community. One doesn't hear that when interest rates are falling, an open-end mutual fund or ETF with no set maturity date is the preferred structure. Thus, the appeal of holding a bond to maturity is likely emotional, as by not selling a bond at a discount to par, your clients are able to avoid the mental roadblock of “recognizing” a loss. Rather than let this behavioral bias win, advisors can seize this as an opportunity to flex their coaching muscles and leverage the trust they've built with clients to help produce better outcomes. Consider this analogy: Just because you chose not to sell your house when prices dipped does not mean it's worth more than the home of your neighbors, who did sell. The same logic applies to fixed income—whether the bonds are held individually, in a bond fund, or in a separately managed account (SMA).4 Diversification can mean higher returns for similar levels of risk In fixed income investing, diversification among issuers, credit qualities, and term structures is a primary consideration for municipal and corporate bonds. For laddered bond portfolios, issuance calendars do not offer consistent access to all types of bonds. On the contrary, with bond funds, greater diversification is possible because of the larger pool of investable assets and the continuous investment in new offerings. This, coupled with the professional staff needed to conduct risk, trade, and credit analysis allows funds to seek return opportunities farther out on the credit quality spectrum than is possible for an advisor. In the case of the latter, their clients may be seriously affected if even one issuer in their (much smaller) portfolio encounters problems. In the case of corporate bonds (and munis), the dynamic nature of credit risk makes it essential to diversify issuer- specific risk. The price volatility that results from a change in an issuer's credit rating is typically asymmetrical: When a credit downgrade occurs, a bond usually will drop much further in price than it would rise on news of an upgrade. This means that for holders of individual corporate bonds, the penalty for choosing a bond that is downgraded is usually greater than the reward for choosing one that gets upgraded. Professional fund managers who are fully focused on credit analysis may be better suited to spot these trends sooner and avoid the negative effects of downgrades and defaults. FIGURE 4. Incremental pickups in yields available relative to AA rated corporates Average option-adjusted spread Average cumulative defaults 0.0% 0.2% 0.4% 0.6% 0.8% 1.0% 1.2% 1.4% 1.6% 0.0% 0.5% 1.0% 1.5% 2.0% 2.5% 3.0% 3.5% 4.0% AA rated Broad investment-grade Credit quality 0.98% 0.55% As a result, many individual bond portfolios exhibit a higher-quality bias relative to bond funds because of the inability to fully benefit from diversification. As shown in Figure 4, higher return opportunities, in terms of incremental yield, are available beyond AA rated corporates to compensate for the low, but always possible, risk of default—even when staying within the corporate investment-grade universe. A more diversified approach that spans the spectrum of investment-grade corporates can translate into a meaningful increase in yield without sacrificing the primary role of high-quality fixed income in a portfolio—acting as a ballast to risk assets. It should be noted that diversification of credit quality can also be achieved through passive exposure. Notes: Average option-adjusted spreads (OAS) cover the period of January 1997 to April 2022. AA rated as represented by ICE BofA US Corporate Index Option-Adjusted Spread; and broad investment-grade as represented by ICE BofA US Corporate Index Option-Adjusted Spread. OAS is a measure of the difference in yield of a bond and the comparable risk-free rate, adjusted to account for any embedded option. Analysis begins with AA rated corporates, as there are only two AAA rated corporate issuers. Average cumulative defaults are calculated by FitchRatings and represent the 10-year average cumulative defaults for the period of January 1990 to December 2021. Default rates are calculated on an issuer or security basis as opposed to dollar amounts. Sources: Federal Reserve Bank of St. Louis, FitchRatings, and Vanguard analysis, as of April 2022. 4 Separately managed accounts are investment portfolios that are directly owned by an investor and managed by a professional investment firm. 5 FIGURE 5. Growth of hypothetical $1 million initial investment from January 1997 Ending wealth in (million USD) $3.2 $3.3 $3.4 $3.5 $3.6 $3.7 $3.8 $3.9 $4.0 AA corporates Broad I-G corporates $4.1 $4.2 Ending wealth with AA corporates Excess wealth with lower quality Figure 5 translates the lost return opportunities in Figure 3 into actual excess wealth created by expanding the investment opportunity set beyond AA rated bonds.5 For a long-term investor, being broadly invested in investment-grade corporates would have produced an additional $400,000 of nominal wealth, given a hypothetical, initial $1 million investment in 1997, relative to the same investment in AA rated corporates. Moreover, through broad diversification, as an advisor, you would be able to increase your client's long-term expected returns for their fixed income holdings, while significantly reducing single-issuer risk and still maintain high overall credit quality. Notes: Figure assumes a hypothetical initial $1 million investment on January 1, 1997, and held until April 30, 2022. AA corporates as represented by ICE BofA 5–10 Year AA US Corporate Index; and broad I-G corporates as represented by ICE BofA 5–10 Year US Corporate Index. Sources: Vanguard analysis of Morningstar data, as of April 2022. Past performance is no guarantee of future returns. The performance of an index is not an exact representation of any particular investment, as you cannot invest directly in an index. Transaction costs are real, but often go overlooked All bond portfolios incur costs. Though the management cost component often receives the lion's share of attention because it is readily apparent and known in advance, it also represents only one part of the equation. Less scrutinized, but similarly detrimental to long-term financial outcomes are transaction costs (e.g., bid-ask spreads). Ultimately, bid-ask spreads tend to vary by trade size and bond sector, and the size of the spread is typically larger for small transactions. Bond mutual funds and ETFs buy and sell large quantities of bonds, and these large transactions can command higher prices for sales and lower prices for buys. So long as the size of the spreads paid or received are inversely related to purchase lot size, bond funds have a transaction cost advantage over individual bond portfolios. The benefits of scale are most significant in the municipal bond market, but still relevant and tell a similar story to that of corporates. Figure 6 illustrates this point. It shows that in the municipal bond market, the spread for a retail trade (less than $100,000 per bond) on average has been consistently higher than that for an institutional trade. Specifically, between January 2019 and April 2021 the effective spread for transactions with a par value between $25,001 and $100,000 averaged 56.4 basis points (bps), while transactions with a par value of over $1 million averaged 20.2 bps. This differential translates to lower total return for clients who are not able to transact at scale.6 Additionally, large firms, such as Vanguard, are able to get the broadest access to bonds in the primary market, so it's not only about the size of the trade and lower costs, but also what bonds one gets to purchase. This is especially important as there tends to be a drop-off in liquidity as time passes from issuance. FIGURE 6. Spreads are significantly wider for retail trades relative to institutional trades (bps) $10,000 or less $10,001- $25,000 $25,001- $100,000 $100,001- $1 million $1 million+ 20.2 56.4 35.5 63.6 81.9 In the end, higher spreads translate into lower returns. Whether creating a taxable or tax-exempt bond portfolio for a client, the basic decision comes down to this: Does the fund expense ratio detract less from the portfolio's total return than (1) the return surrendered by a higher credit-quality bias, if one exists, (2) the default risk, if there is no quality bias, or (3) the additional transaction costs? It would be rare for the fund expense ratio (particularly in the case of a lower-cost bond fund) to be larger than the other costs. Notes: The above figure shows the average effective spread for municipal bond transactions of various sizes from January 2019 to April 2021. Effective spread is a measure of customer transaction costs and is computed daily for each bond as the difference between the volume-weighted average dealer-to-customer buy and sell price, and is then averaged across bonds using equal weighting. Sources: MSRB data and Vanguard analysis. 5 Though an advised client's fixed income portfolio is unlikely to be comprised of only intermediate-term (5- to 10-year maturity) U.S. corporate bonds. 6 As a simple example, if constructing an initial bond portfolio with an average duration of five years and transaction costs of 50 bps, it would translate to 10 bps per year. 6 Control of the portfolio One, or perhaps the only, advantage of self-directed individual bond portfolios and, to some extent, SMAs over pooled vehicles is the owner's ability to influence portfolio decisions. The motivation for maintaining control generally falls into three camps: strict portfolio guidelines that place firm restrictions on portfolio characteristics, such as credit-quality (e.g., all-AA portfolio) or limits on derivatives usage; matching portfolio cash-flows with specific liabilities (e.g., cash-flow matching); and tax concerns. Given the inflexibility of the first, and presumably, high-level of certainty of the second, we'll focus on the potential tax considerations, as certain common beliefs may be overstated and therefore warrant a discussion. Regarding taxes: Because clients directly own the bonds in an SMA or a laddered bond portfolio, as their advisor you can use any net losses from individual bond positions for tax purposes to partially offset your client's earned income or to offset realized capital gain liabilities from other investments. A mutual fund or ETF, on the other hand, cannot pass through realized losses to its shareholders. Instead, the fund uses realized losses against realized gains, and carries forward any excess losses to be used against future gains. Although this may defer the pass-through of losses, it provides long-term tax efficiency to the pooled structure. In addition, as the advisor, you have a further option: You can sell your clients' fund shares to realize a loss where applicable. Regarding individual bond portfolios or SMAs, another factor to consider is that to take advantage of losses in these accounts, you will incur transaction costs for your clients on both the sale of the current bond and the purchase of the new bond. Though all the above applies to both taxable and tax- exempt bonds, in terms of the latter, there is often the additional consideration of alternative minimum taxes (AMT). With an individual bond portfolio or SMA, the portfolio can be tailored to bonds that are exempt from AMT or specific to issues from your client's home state. While this is true, it is important to acknowledge that there are currently a number of state-specific vehicles available for your clients—particularly in states with high tax rates. Also, though it's sometimes forgotten, the key point that advisors should be concerned with is seeking to maximize client after-tax returns, rather than with minimizing taxes. Bonds issued outside a client's home state and bonds subject to AMT often carry higher yields to maturity. As a result, your clients may well get higher after- tax returns from a portfolio including such bonds. In addition, clients gain from increased diversification—an important benefit. With the preceding considerations in mind, it may be impractical to transition clients from their existing SMA solutions or portfolios of individual bonds into a primarily fund-aligned strategy. For advisors that already utilize an SMA or construct their own bond sleeves, a bond fund can serve as a strong complement—by providing some additional liquidity to the portfolio and a solution for reinvesting periodic cash flows from their individual bond holdings (or SMAs) to reduce potential cash drag. Conclusion For the reasons described in this paper, the vast majority of advisors who invest for their clients are best served through low-cost bond funds. Only those advised clients with the resources to achieve scale comparable to that of a mutual fund should consider putting certain control features ahead of the benefits that a pooled investment vehicle offers. Funds generally provide better diversification, greater return opportunities, lower transaction costs, and higher liquidity for your clients. For advisors, the time savings from outsourcing the day-to-day portfolio management can be reinvested in higher returning opportunities, such as deepening client relationships and growing your practice. Although bonds that are held directly can provide certain advantages over bond mutual funds—primarily related to control over security-specific decisions—such control comes at a cost. To construct an individual bond portfolio, an advisor must assign a very high value to the control benefits to justify the higher costs and additional risks involved. 6 7 References Bennyhoff, Donald, Scott Donaldson, Jamese Dunlap, and Daren Roberts, 2017. A topic of current interest: Bonds or bond funds? Valley Forge, Pa.: The Vanguard Group. Bennyhoff, Donald G., 2009. Municipal bond funds and individual bonds. Valley Forge, Pa.: The Vanguard Group. Donaldson, Scott J., 2009. Taxable bond investing: bond funds or individual bonds? Valley Forge, Pa.: The Vanguard Group. Li, David, Charlotte L. Needham, and Jake Han, 2022. 2021 Transition and Default Studies. FitchRatings. Wu, Simon Z., and Nicholas J. Ostroy, 2021. Transaction Costs During the COVID-19 Crisis: A Comparison between Municipal Securities and Corporate Bond Markets. Washington, D.C., Municipal Securities Rulemaking Board. Connect with Vanguard® advisors.vanguard.com • 800-997-2798 All investing is subject to risk, including the possible loss of the money you invest. Be aware that fluctuations in the financial markets and other factors may cause declines in the value of your account. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Bond funds are subject to the risk that an issuer will fail to make payments on time and that bond prices will decline because of rising interest rates or negative perceptions of an issuer's ability to make payments. Investments in bonds are subject to interest rate, credit, and inflation risk. Although the income from municipal bonds held by a fund is exempt from federal tax, you may owe taxes on any capital gains realized through the fund's trading or through your own redemption of shares. For some investors, a portion of the fund's income may be subject to state and local taxes, as well as to the federal Alternative Minimum Tax. Diversification does not ensure a profit or protect against a loss. CFA® and Chartered Financial Analyst® are registered trademarks owned by CFA Institute. We recommend that you consult a tax or financial advisor about your individual situation. Vanguard is investor-owned, meaning the fund shareholders own the funds, which in turn own Vanguard. © 2022 The Vanguard Group, Inc. All rights reserved. U.S. Patent No. 6,879,964. FAIBVBF 112022

In this episode of the "Admittedly" podcast, host Thomas Caleel advises families and students on how to proceed with college application preparation in the wake of a serious disciplinary issue. Admissions officers look for self-aware, mature students who understand their challenges and how they've grown from them. If serious trouble occurs senior year, taking a gap year to build a strong track record might be beneficial. Thomas emphasizes the importance of addressing mistakes during applications, as it shows growth and self-awareness, which are valuable for both undergraduate and graduate admissions. Summary of Key Points: Trouble is Common: Caleel starts by framing that serious incidents in high school, such as suspensions or expulsions, are becoming more common and can significantly impact students and their communities. It's important to address these issues rather than ignore them. AO Perspective: Caleel describes that admissions officers have a challenging job but are generally supportive and looking for students who demonstrate self-awareness and maturity. They want to see applicants own their mistakes and show how they've grown from them. Ownership and Redemption: Caleel advises that students should acknowledge their mistakes, understand the reasons behind them, and demonstrate genuine efforts to make amends and improve. This process of ownership and redemption is crucial for a positive presentation in applications. Application Strategy: Caleel elaborates that when discussing past troubles during applications, students should provide a thoughtful explanation and evidence of change, rather than trying to conceal the incident. Demonstrating how one has learned from and addressed past issues can be compelling to admissions committees. Timing: Caleel emphasizes that the timing of a serious incident can affect application strategies. If a significant issue occurs close to application deadlines, taking a gap year to build a credible record of improvement might be advisable. This allows for stronger recommendations and evidence of personal growth. Conclusion: For families reeling to recover from a disciplinary issue involving their student, Thomas Caleel gives his advice on the best way to continue them on a path towards college admission. Students should demonstrate a mature and empathetic attitude, taking steps to prove they have accepted their actions and are making efforts to amend and improve. Join him next week to discuss US boarding schools and how to decide if they are a fit for your student. About Thomas Caleel Thomas is an alumnus of the University of Pennsylvania. After earning his MBA at the Wharton School of Business in 2003, he moved to Silicon Valley. For three years, he was Director of MBA Admissions and Financial Aid at Wharton. He worked closely with admissions professionals, students, alumni, and professors to curate the best possible MBA class. Thomas has been an entrepreneur his entire life in the fields of finance, agriculture, wellness, and sporting goods. As the founder of Global Education Opportunities LLC, he works as a high-level admissions advisor to help families and students achieve their education goals. Thomas started the podcast Admittedly because he is passionate about demystifying the application process for all parents and applicants. Make sure to follow @admittedlypodcast on Instagram and @admittedlypodcast on TikTok. Please subscribe to our newsletter for important updates and subscriber only content.

Coffee with Samso Episode 197 is with Sam Pazuki, the Managing Director and CEO of AuMega Metals Limited (ASX: AAM)   The AuMega Metals Limited (previously known as Matador Mining Limited) story has come a long way since our first conversation in April 2020. The developing story is now moving into the next phase as the 2024 field season is beginning.   In this episode of Coffee with Samso Episode 197, Sam share with us the philosophy of the company and the strategy for AuMega Metals and the reasoning behind the rebranding exercise. AuMega is well supported with an international miner, B2Gold Corp. as a major shareholder and that clearly show the confidence the shareholders have in the AuMega Metals Limited story. Samso's Conclusion For those readers who have been followers of the Coffee with Samso series, it is common knowledge that I am a big fan of the AuMega story (formerly Matador Mining Limited). I have always said that the biggest value adding process for shareholders is to look for your own discovery. Promoters in this space preach that the refurbishing of projects is more cost effective but in practice this is more of a myth that a reality. The strategy by the management of AuMega is disciplined and with the stewardship of Justin Osborne (ex- Gold Road Resources) leading the technical search and the corporate influenced Sam Pazuki, I am in no doubt that the mineral exploration will prove their strategy to be fruitful. The rebranding is clearly a means of aligning the company name with its purpose for finding large economical deposits. The projects that is in the portfolio is the reason why "Mega" projects will be discovered. This is what I call a mineral province play to ensure the largest probability to discover economical deposit. As the new drilling season starts to take shape, the next phase of the results will be highly anticipated from the company's shareholders. With B2 Gold as a shareholder, one has to recognised that B2Gold is not here for a slim chance of discovery. The positioning is well thought and the target company is selected for its vast portfolio. Tune in and start putting your thinking cap on and do some good old fashion DYOR. Chapters: 00:00 Start 00:20 Introduction 01:06 All About AuMega Metals Limited 02:48 Is Cape Ray still the Main Story? 04:26 Is there more love for companies like AuMega now? 07:01 Fair valuation due to a bearish equity market. 09:37 The need for District Scale Potential. 10:57 What have been the learnings from your exploration activities? 13:37 Long term exploration programs create the value for shareholders. 15:58 Short-Term and Long-Term Prize 18:14 Taking Risks and Exploration Success 20:40 What is the direction for Gold ? 23:09 Why is there a disconnect between gold equities and the gold price? 25:20 What are the Exit timing for potential investors? 27:48 News Flow for AuMega Metals 29:48 Why invest in AuMega ? 30:55 Big Brother Influence for Large Deposit Discoveries. 32:36 Conclusions

Introduction:Welcome to another episode of “Real Estate Investing Abundance,” where we explore ways to enrich your life through real estate investing.Today's guest is Andrew Kim, CEO and founder of Share, a company revolutionizing passive real estate investment for financial independence.Andrew Kim's Background:Andrew's journey began in a low-income family, teaching him the value of financial stability early on.His entrepreneurial ventures in Silicon Valley further reinforced his financial lessons, shaping his approach to real estate investment.Share's Innovative Services:Share employs AI technology to create customized investment strategies based on individual financial situations, risk profiles, and preferences.The company primarily serves middle management families and entrepreneurs seeking to create generational wealth.Educational Platform and Personalized Guidance:Share offers an extensive education platform complete with tools and resources for investors.Investors receive personalized support through one-on-one calls, covering everything from financing to long-term asset management.Operational Strategies:The company operates in landlord-friendly states and partners with large institutions for better property management.Share assists clients with purchasing, renovating, leasing, and managing real estate assets, with a focus on a fixed fee structure for transparency.Adapting to Market Challenges:Share adapted its business model in response to high-interest rates and pandemic-related operational challenges.The shift from holding assets to providing educational resources and sourcing reflects the company's flexibility and commitment to meeting client needs.Clientele and Services:Share's client base primarily includes investors from coastal states like New York and California, seeking profitable investments outside their local markets.The company offers comprehensive services, including tax filing and insurance, alongside its investment guidance.Industry Insights:A mention of a congressman's real estate proposal suggests a need for actionable policies over performative politics in the real estate sector.Additional Resources:The episode promotes an upcoming real estate investing webinar for listeners to gain further insight.Steve Tucker Capital is highlighted as a resource for achieving financial independence through passive real estate investing, with a unique angle of supporting equine activities.Conclusion:For more information and resources, visit stevetucker.com and learn how to build your real estate investment portfolio for long-term wealth.Stay tuned for more expert insights on “Real Estate Investing Abundance.”Call to Action:Don't forget to subscribe for more episodes and visit our website to join our community of abundant real estate investors.

In this very special episode of The Female Veterans Podcast, I am joined by Lola, who is doing some incredible work for the veteran community. Lola shares her experience facilitating veteran women's indigenous healing circles and discusses the upcoming event - a female veterans grief retreat. She highlights the constant presence of grief in the lives of female veterans and emphasizes the importance of acknowledging and addressing it. We talk about creating safe spaces for female veterans to process their grief, share their experiences, and support each other, incorporating indigenous healing methods and humor as essential components. Lola underscores the need for community, care, and compassion, expressing how these emotions have often been overlooked or trained out of them, particularly in high-intensity military environments. We also touch on the challenges of representing all women in a male-dominated military structure and the necessity of dismantling misogyny within their own ranks. Lola shares the significance of creating a container for women to share and be present in their own way, expressing the value of intentionally spending time with other veteran women. We discuss the impact of these healing circles, the power of sharing and witnessing each other's stories, and the opportunities for breakthroughs and continuous personal work. With the upcoming grief retreat being a safe and confidential space for female veterans, Lola invites women to reach out and participate, even if they have doubts or concerns. I also express my admiration for Lola's work and reiterates the podcast's mission of supporting female veterans and providing a platform for their stories to be heard. This episode serves as a heartfelt invitation for female veterans to join the grief retreat, find support, and transmute their grief in a space that honors their experiences and fosters healing. It's a testament to the power of community, compassion, and the value of intentional time spent with fellow veterans. Episode Highlights: 1. Safe Space for Healing: Lola and her team have crafted a 3-day grief retreat focused on addressing the grief experienced by female veterans. This retreat provides a safe and confidential space for women to share, support, and transmute their grief. 2. Indigenous Healing Practices: The retreat incorporates indigenous methodologies and emphasizes the importance of building community, honoring vulnerability, and embracing humor as a healing tool. 3. Accessible Support: Through the use of virtual platforms like Zoom, Lola has made the support accessible to female veterans regardless of their location. Whether you're in your pajamas at home or in a rural community, this retreat offers the opportunity for healing and connection. Conclusion: For more information or to inquire about future events, you can contact Lola at gunseek53@yahoo.com. Don't miss out on this incredible opportunity to be part of a supportive community dedicated to female veterans' healing and empowerment. Remember, you are not alone on this journey! Call To Action: Join us in gaining valuable insights into the experiences of these incredible women veterans as they create a safe space for healing, sharing, and supporting one another. Share this episode with others who might find these stories and insights inspiring and stay tuned for future episodes from The Female Veterans Podcast.

On this week's show we review the Victrola Hi-Res Carbon Turntable that retails for $599. We also read your emails and take a look at the week's news. News: Apple's Vision Pro Won't Launch With Netflix App Plex is about to launch a store for movies and TV shows Netflix Will Be The New Home of WWE Monday Night Raw in 2025 Is Hollywood Headed for a Massive Crash? Other:  Samsung expands self-repair program to include home entertainment devices CSS-Audio Torii Tower Youtube Shorts Playlist Victrola Hi-Res Carbon Turntable In an era dominated by digital music and streaming, the Victrola Hi-Res Carbon Turntable emerges as a beacon of nostalgia, offering a captivating journey back to the golden age of vinyl - but with a few modern twists. Designed for discerning audio enthusiasts and music aficionados alike, this remarkable record player promises superior performance and effortless setup, making it a highly recommended addition to any audiophile's collection. It retails for $599. Overview Product highlights: semi-automatic belt-driven turntable built-in Bluetooth with high-quality aptX HD and aptX Adaptive streaming to compatible speakers and headphones anti-resonant die-cast aluminum platter straight carbon fiber tonearm Ortofon 2M Red moving magnet cartridge on removable curved headshell included auto-stop feature (user must select "auto-stop" using button on rear of turntable) platter starts spinning when you hover the tonearm over the leading edge of a record platter stops spinning at the end of a side switchable built-in phono preamp adjustable anti-skating and counterweight speeds: 33-1/3 and 45 rpm Connections: gold plated RCA output with ground for making wired connection to an existing hi-fi system detachable power cord Performance specs: wow and flutter: 0.175% signal-to-noise ratio: 45dB   Setup The Victrola Hi-Res Carbon is designed to be user-friendly, ensuring a smooth and hassle-free setup process even for those new to turntables. As soon as you open the box, before you even pull the player out, you're greeted with a clear diagram and description of the 7 steps required to get the unit to start playing records. The diagram has clear and concise instructions guiding you through each of the fairly typical steps involved in setting up a turntable. If you've done it before, you know the steps; if you've never done it, the steps are simple. It is the easiest record player we've ever set up. Depending on how you opt to install, you can be listening to vinyl in under 5 minutes. The turntable has two output options, there are RCA connectors in the back that you can run to a traditional amplifier and speakers. But it also has Bluetooth - so you can send your music to your bluetooth speakers totally wirelessly. We set it up so we could test both options. For the RCA wired connection we used a Yamaha A-S701 amplifier powering a set of Ara Derderian signature tower speakers. For Bluetooth we got our hands on a couple different pairs of AptX headphones. We didn't have any AptX wireless speakers to test with, but the headphones gave us a pretty good idea of what to expect. All told, from unboxing to savoring the first notes of your cherished records, the entire experience is streamlined and simple. Performance As simple as it is to install, where the Victrola Hi-Res Carbon truly shines is in its exceptional audio performance. We compared it with Braden's current record player, a Yamaha MusicCast VINYL 500 turntable that retails for $100 more than the Victrola at $699. The audio performance difference between the two was astonishing. We would play a song from an album on one player, then transfer the record to the other player and listen to it again. The first time we went from Yamana to Victrola, we had to double check that nobody bumped the EQ. The base was cleaner and more pronounced, everything in each song we tested just sounded better, clearer, more dynamic coming from the Vicrtola.  It's rare for one piece of home audio gear to so wildly change your view of the world. Listening to records is a fun, nostalgic experience. Oftentimes you revel in and enjoy some of the static, the crackling and popping that we remember so fondly from our youth. But with records, we never really stop to ask ourselves if what we're hearing is the best that record can sound. You pull out a record, you play it, and that's it. But the Victrola has changed, at least Braden's approach, to record players - it made every record we played sound better than his Yamaha.    Next step was testing Bluetooth performance. You'd be surprised how rare AptX still is in headphones, so we had to procure a few pairs to make sure we were hearing the best the Victrola could offer, and it did not disappoint. While the listening experience is vastly different between a pair of tower speakers and a pair of wireless headphones, The Victrola performed incredibly well. The music sounded clear, clean and very rich. We can imagine that paired with a set of high quality AptX wireless speakers, the Victrola will blow you away. To be fair, the Yamaha has a few more bells and whistles than the Victrola, which may explain the higher price tag. In addition to Bluetooth (tho not AptX), the Yamaha has MusicCast built-in so you can send the audio around your house if you have a MusicCast compatible system. It also allows you to stream music services with Wi-Fi, Bluetooth, AirPlay 2 or Spotify Connect and has voice control with A-Lady and Google Assistant devices or S-Lady via AirPlay 2. With records, you have to flip them or change them every 4-5 songs. The streaming capabilities of the Yamaha allow you to listen to music without as much maintenance, which can come in handy at times. Not to be outdone, Victrola offers an upgraded version of the Hi-Res Carbon called the Stream Carbon that works with Sonos - it retails for $799. If you're in the Sonos ecosystem, it's worth a look. Aesthetically the Victrola Hi-Res Carbon is gorgeous. Minimal, clean, very sleek. Its stylish and subtle design not only exudes elegance but also  ensures stability and durability. Crafted from premium materials, this record player is built to last, promising years of sonic bliss and conversations started. While the Yamaha includes a built in dust cover, the Victrola includes a removable dust cover. The built-in cover is very convenient, but there's no denying how great the Victrola looks with the cover removed while you're spinning a record. With the Yamaha it always sits under the plastic cover, but in the open air the Victrola looks like a statement piece. Conclusion: For those seeking a record player that harmonizes impeccable performance with ease of setup, the Victrola Hi-Res Carbon is an excellent choice. Its user-centric design, exceptional sound quality, and meticulous craftsmanship make it a strong contender for anyone who loves vinyl or for those who think they might enjoy getting into vinyl. It more than delivers on the pristine and vibrant sound quality that you didn't know you were missing. Marry the Hi-Res Carbon with a pair of high res Bluetooth AptX speakers and you have a turntable-in-a-box system that will put any of the all-in-one units on the market to shame - and the setup is just as simple! If you're in the Sonos ecosystem, check out the Stream Carbon. What you lose in Bluetooth you gain in Sonos integration and an app for setup.   

New Zealand psychologist and author Nigel Latta joins Sharesies' co-founder Brooke Roberts in the second episode of our "Kids & Money" series. In this episode, we discuss the importance of teaching kids about money, including concepts of saving and how temperament impacts a child's approach to finances. Nigel shares insights from his experience educating his own children about money and explains why conveying values to children affects their behavior, including financial decisions. In this special "Kids & Money" summer series, hosted by Sharesies' co-founder Brooke Roberts, we offer a slate of conversations about how to engage kids in financial discussions. Topics range from strategies to maintain their interest, to lessons on investing that children can apply throughout their lives. Ultimately, we believe that instilling good financial habits in our children can foster positive change within our community.  00:00 Introduction 01:13 Who is Nigel? 03:55 The role of psychology in everyday life 05:47 The concept of Parentland 10:53 Understanding money and its Value 14:26 The influence of money on children 18:38 Pocket money and teaching financial literacy to children 22:17 Why values the most important thing when it comes to kids & money 27:14 How does Nigel feel about the money lessons he's instilled in his kids? 30:03 The Importance of Open Conversations about Money 33:50 Parenting is a long conversation 37:03 The Role of Technology in Teaching Financial Literacy 39:47 Conclusion  For more or to watch on youtube—check out http://linktr.ee/sharedlunch Brought to you by Sharesies, with BusinessDesk. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own. Shared Lunch is not financial advice. We recommend talking to a licensed financial adviser. You should review relevant product disclosure documents before deciding to invest. Investing involves risk. You might lose the money you start with. Content is current at the time.See omnystudio.com/listener for privacy information.

#AskDrJohnWatts Different questions related to baldness, hair grafts, hair loss, hair transplant procedures and medical treatments for hair loss are being raised by patients now and then, including the followers of Dr John Watts, who keep flooding his series of hugely popular educational videos on his popular YouTube channel with queries related to different hair issues. In this educational video session, Hyderabad's noted dermatologist & trichologist and one of the Best Hair Transplant Surgeons in Hyderabad, Dr John Watts explains the dos and don'ts of alcohol consumption while undergoing hair procedures such as GFC, PRP, derma roller or Stem Cell Treatment. Is it safe to consume alcohol or should avoid it altogether permanently? Is there a time after which one can resume alcohol consumption? Dr John Watts answers all these questions. So far, he has performed over 2000+ hair transplant surgeries successfully. Jagan Mohan Royal asks: Sir, during Growth Factor Concentrate (GFC) therapy, can I consume alcohol? Is it safe? Please explain. Many hair loss patients undergoing various hair procedures are often curious about the impact of alcohol consumption on their treatments. While Dr John Watts doesn't advocate a complete prohibition of alcohol, he emphasizes that individuals undergoing procedures like GFC (Growth Factor Concentrate) therapy, stem cell treatment, PRP (Platelet-Rich Plasma), or dermaroller treatment should follow certain strict guidelines to avoid any risky side effects to their hair growth. In response to a query by Jagan Mohan Royal, Dr Watts recommends abstaining from alcohol consumption 2–3 days before and after the procedure. Usually, while undergoing these hair procedures such as GFC, PRP, dermaroller, or stem cell treatments, spacing is important between two procedures by at least 21 days to ensure optimal results. “If one sets aside these 5–6 days before and after the procedure, then one is free to engage in social drinking in other remaining days well before a new procedure is due,” said Dr John Watts, reassuring that social drinking during the remaining days, beyond the specific guideline period, is not harmful. Dr Watts explains that during these procedures, growth factors, including serum and platelets, are added to the scalp. Consuming alcohol around the time of the treatment can potentially affect hair growth. “Hence, it is crucial to avoid alcohol on the day of the procedure and the days immediately before and after,” he informed. He also advises against taking a head bath immediately after PRP or GFC procedures, as the growth factor concentrate can get washed away. Waiting until the next morning to wash the scalp will ensure the effectiveness of the treatment. Conclusion: For individuals undergoing hair procedures like GFC, PRP, stem cell treatment, or derma roller, it is essential to follow the recommended guidelines regarding alcohol consumption. Avoiding alcohol in the days leading up to and following the procedure immediately will contribute to the success and effectiveness of the treatments. Additionally, spacing out the procedures and taking care of post-procedure instructions, such as delaying head baths, will optimize the benefits of these hair treatments.

Episode 64 with Jesus Fernandez, professional skateboarder from Madrid, Spain. Together we discussed him growing up in Madrid and picking up his first board in the late 80's, traveling to the US for the first time at 16 years old with Enrique Lorenzo and staying at Lance Mountain's home, going back a few years later with his brother Alphonso and his good friend Dani Lebron, getting on Neighborhood skateboards and filming for the “Lala land” video, meeting with Chico Brenes at Lockwood and getting flowed Chocolate boards, filming for “Yeah Right”, getting banned from the US because of visa issues and quitting Chocolate, coming back to Madrid and getting on Nomad Skateboards, reconnecting with the Lakai team in Málaga and meeting with Federico Vitetta with whom he filmed most of his iconic “Fully Flared” part, getting back on Chocolate and turning pro, moving to Copenhagen with his wife and 2 kids in 2018 and getting adjusted to their new life over there, his upcoming projects…   (00:13) – Intro   (01:25) – Getting started   (04:03) – First mag, first video  (07:41) – Spanish tech skating  (10:09) – Meeting with Javier Sarmiento and Dani Lebron  (14:08) – Skate scene in Madrid back in the days   (20:38) – Going to the states for the first time  (22:48) – Staying with Lance Mountain  (26:47) – Meeting with Richald Mulder  (27:06) – Going to the “Nueve vidas de Paco” premiere  (32:52) – Moving to the states with Alphonso and Dani to find sponsors (44:53) – Getting on Neighborhood  (47:12) – Filming for “Lala land”  (48:29) – Meeting with Socrates Leal  (51:29) – After "Lalaland", Neighborhood was kind of done  (54:12) – Meeting Chico Brenes at Lockwood and getting on Chocolate flow  (01:07:58) – Filming for “Yeah Right”  (01:10:25) – Getting banned from coming to the US for 5 years and quitting Chocolate (01:19:19) – Back to Spain, skating for Nomad (01:26:02) – Moving from Madrid to Barcelona (01:30:49) – Lakai team coming to Spain to film for "Fully Flared" (01:43:41) – Fakie treflip switch crook ender in "Fully Flared" (01:46:08) – Getting back on Chocolate  (01:57:05) – Turning pro for Chocolate  (02:01:37) – Gnarliest trick witnessed during the filming of “Fully Flared” (02:04:14) – Moving to Copenhagen (02:09:23) – What are you up to these days?   (02:13:44) – Upcoming projects?  (02:15:53) – Most valuable lesson learned from skateboarding (02:18:06) – Friends questions   (03:02:52) – Conclusion    For more information and resources: https://linktr.ee/beyondboards

Episode 62 with Dr. Indigo Willing, skateboarder, sociology researcher, community leader and author from Brisbane, Australia, also known as occupied Yugarra and Turrbal Aboriginal tribes' territory.   Together we discussed her Vietnamese origins and settling down in Sydney, Australia with her adoptive family as a young child, how her interest for sociology began and eventually led to completing her PhD, starting to skateboard in 2014 at the age of 41, co-building communities through various groups such as the Adopted Vietnamese International Initiative (AVI), the Asian Australian Films, Forum and Network (AAFFN), the We Skate QLD network (formerly known as Girls Skate Brisbane), the Consent is rad campaign or more recently the SSHRED Research and Community Network, her most recent book “Skateboarding, Power and Change” written with co-author Anthony Pappalardo, her upcoming projects in Sydney in 2024…   (00:13) – Intro   (01:37) – Birth in Vietnam and arrival in Australia as a child  (06:20) – How did your interest for studying sociology begin?   (10:57) – How long did it take you to complete your PhD?   (15:46) – What year did you start skating?   (18:22) – First few years of skating   (23:44) – Building communities   (32:30) – Consent is rad campaign and cyber harassment   (37:47) – Consent is rad started at Pushing Boarders Malmö in 2019  (41:28) – How did you enjoy going to Pushing Boaders?  (43:46) – Had you participated in similar events outside of skateboarding prior to PB?  (49:10) – How skateboarding is addressing the climate crisis  (58:36) – “Skateboarding, power and change” book with Anthony Pappalardo  (01:06:07) – Interviewing 42 people over zoom calls  (01:08:41) – How did you work together with Anthony on this book?   (01:15:54) – What's something you learned from doing the book?   (01:22:54) – Moving back to Sydney in 2024 (01:31:04) – Most valuable lesson learned from skateboarding? (01:32:37) – Friends questions (02:24:32) – Conclusion   For more information and resources: https://linktr.ee/beyondboards

Episode 60 with Greg Hunt, skateboarder, photographer and filmmaker from Ann Arbor, Michigan.  Together we discussed him growing up and picking up his first board in the mid-80's, road-tripping with his friend Goose and a young Sean Sheffey to San Francisco and eventually settling down there right after his 18th birthday, turning pro for Stereo and filming parts for their iconic videos “A visual sound” and “Tincan Folklore”, developing an interest for photography thanks to his friend and roommate Gabe Morford, retiring from pro skating in his mid-20's and transitioning into filmmaking, taking Ty Evans' spot over at Transworld and working with Jon Holland on a few videos (including the iconic “Sight Unseen”), making (initially with Joe Castrucci) the first DC video, working on the next Alien Workshop video “Mind Field", choosing the music for it with Mike Hill and Chad Bowers, making the famous Dylan Rieder solo part for Gravis, moving over to Vans to make their first ever full length video “Propeller” and doing many other projects with them since then, his music videos for Cat Power, the photography books he's put out in recent years…    (00:13) – Intro   (01:25) – Getting started  (03:38) – Road trip to SF with Sean Sheffey   (05:59) – Meeting with all the Deluxe guys in SF  (09:39) – Getting flowed Real boards before getting on Stereo  (11:22) – Going to college during his pro years in SF  (13:57) – Turning pro for Stereo  (20:47) – Filming some super 8 footage in “Tincan Folklore”   (22:47) – Quitting Stereo  (24:32) – Developing an interest in photography   (28:16) – What films did you like when you were just getting started with cinematography?  (30:49) – First jobs on films   (36:38) – Working at Transworld  (43:12) – Getting approached by DC to film their first full length video  (49:12) – Transition into “Mind Field”   (53:37) – Selecting the music for “Mind Field” with Chad Bowers and Mike Hill  (59:14) – Dylan part for Gravis  (01:01:42) – Starting to work with Vans on “Propeller”   (01:03:57) – Transitioning between massive video projects  (01:07:17) – Other video projects with Vans   (01:13:18) – Elijah skating to “Falling rain” by Link Wray  (07:17:58) – Roy Orbinson's song “In Dreams” used in different skate videos  (01:19:12) – Music videos for Cat Power  (01:20:44) – Nuge and Louie Lopez in Cat Power music videos  (01:21:40) – “Making a music video is a lot like filming a skate part”  (01:23:41) – Photography books   (01:31:21) – Back story on a photo of John Fitzgerald from “Everything I'm trying to tell you”  (01:34:30) – Most valuable lesson learned from skateboarding  (01:37:02) – Friends questions   (02:23:41) – Conclusion    For more information and resources: https://linktr.ee/beyondboards 

#AskDrJohnWatts Different questions related to baldness, hair grafts, hair loss, hair transplant procedures and medical treatments for hair loss are being raised by patients now and then, including the followers of Dr John Watts, who keep flooding his series of hugely popular educational videos on his popular YouTube channel with queries related to different hair issues.

On this week's episode of Inside the Headset - Presented by CoachComm, the Head Coach of Southern Illinois, Nick Hill, dives into his career as a football coach. Coach Hill shares about his entry into the coaching profession, the process he uses to hire a staff that fits his program, and why he chooses to include his family in his work with the team. Coach Hill, a member of the 2019 AFCA 35 Under 35 class, has led the Salukis to two big victories to start their 2023 campaign.   Follow Coach Hill and Southern Illinois Football on social media here:  @17NickHill & @SIU_Football  Show Notes:  0:54 Introduction  1:24 Love for Football and Basketball  3:14 When did you decide you wanted to be a coach?  4:00 Experience playing D1 Basketball and coming back to football  8:06 Benefit of athletes playing multiple sports and how that impacts recruiting  12:04 Your approach to athletes wanting to play multiple sports  14:23 Starting out as a young coach  18:03 Developing as a coach   21:27 As you began as a coach, what was something you were unprepared for?  25:19 Hiring a staff that fits your program  28:14 Avoiding burnout and balancing work and family  34:48 AFCA 35 Under 35 experience   37:14 Conclusion  For more information on CoachComm visit https://www.coachcomm.com/

Jesus' greatest miracle was his own bodily resurrection, three days after he died. While many people know the basic timeline for Jesus' resurrection, there are still many who don't understand “why” it had to happen. Why was Jesus' resurrection so necessary? Why does it still matter to us in the here and now?  (Death Defying, Conclusion)For more information, visit wrightsdale.org

Episode 58 with Jan Kliewer, skateboarder and skatepark builder from Berlin, Germany.  Together we discussed him growing up in Göttingen and picking up his first board in the late 80's, traveling to California and getting flowed ATM Click boards and DC shoes for a bit, getting on Cliché and filming for their iconic second full length video “Bon Appétit” directed by Fred Mortagne, moving from DC to Globe and from Cliché to Jart within a few years, having a part in Pontus Alv's cult classic film “The Strongest of the Strange”, unofficially joining Polar in 2012, retiring from pro skating and getting into journalism as the German editor of European skate mag “Kingpin” for a few years, his current job as skatepark designer at Yamato Living Ramps…   (00:13) – Intro  (01:25) – Picking up his first board  (02:43) – First magazine, video  (03:54) – Moving to Berlin  (05:34) – Importance of style   (15:12) – Sponsors   (21:19) – Sharing a part with JJ Rousseau in « Bon Appétit »    (27:01) – Leaving Cliché   (30:14) – Part in “Strongest of the strange”   (30:55) – Moving from DC to Globe  (31:53) – Getting on Jart   (33:38) – “Unofficially” joining Polar in 2012   (36:13) – Guest board on Magenta   (37:48) – Retiring from pro skating   (39:26) – Kingpin  (44:26) – Yamato Living Ramps (58:47) – Sustainability and concrete building   (01:03:49) – Increase in demand for skateparks since the Olympics?  (01:08:03) – How long does it usually take to build a skatepark?  (01:08:53) – Upcoming projects   (01:11:41) – Most valuable lesson learned from skateboarding  (01:14:10) – Friends questions   (01:53:02) – Conclusion    For more information and resources: https://linktr.ee/beyondboards

Challenges and failures are not roadblocks but stepping stones to personal growth and development. In a world where resilience and independence are increasingly valued, navigating setbacks becomes vital. As we embrace the ever-evolving landscape of the modern era, adapting and thriving in the face of adversity becomes essential. Join us as we explore the power of challenges, the importance of resilience, and the journey toward independence. Ron Gus Gustafson shares his life experiences, lessons, and advice to future leaders. One should face challenges and failures as it cultivates resilience and independence. Tune in as young leaders ask questions about life, personal growth, entrepreneurship, and more! Quotes: "God had a perfect plan for my life, and I never would have found it if that young man hadn't picked me up out of the gutter." – Ron Gus Gustafson "Between failure and success is simply one more try." – Ron Gus Gustafson "For young ones, if you see them jumping in when you're hanging, tell them I want to fall and take on these challenges, not letting them take on these challenges and responsibilities for you guys will only benefit you in the long run." – Matt Beaudreau Takeaways: Divine interventions or encounters with people who believe in us can sometimes shape our lives unexpectedly. Being open to help and guidance can lead to life-changing opportunities and a shift in perspective. True success in education and life is not merely about accumulating knowledge for the sake of it. Instead, it involves actively engaging with the material, understanding its principles, and applying them effectively. Genuine learning goes beyond surface-level memorization. Recognizing and acknowledging the mental strength and resilience required to overcome challenges is crucial. Physical feats often stem from a strong and determined mindset. Persistence and the willingness to try again after failure are key to success. Each attempt brings us closer to our goals, and the discipline to keep going despite setbacks can lead to significant progress and accomplishments. Conclusion: For children to mature and flourish, giving them opportunities to test themselves, take on responsibilities, and make mistakes is crucial. A person's realization that they've reached their limit and are ready to make positive changes in their lives is often a direct result of hitting rock bottom, making this realization a potent catalyst for change. Individuals can overcome obstacles and make significant, long-lasting improvements by actively seeking out challenges and learning more about the factors contributing to personal growth.

Episode 56 with Sander Hölsgens, skateboarder, filmmaker and academic based in Rotterdam, Holland.  Together we discussed him growing up in Kerkrade and picking up his first board in the early 2000's as a teenager, studying art and anthropology and labeling himself a skateboarding anthropologist, writing his PhD thesis on skateboarding in Seoul, South Korea, co-creating and organizing the Pushing Boarders conferences/events in 2018 and 2019 in London and Malmö, his current position at the University of Leiden, his thoughts on the climate crisis and why the skateboarding community is not addressing this issue more, his upcoming projects…    (00:13) - Intro  (01:13) - Getting started  (05:47) - First mag and first video  (06:52) - John Rattray influence   (09:42) - Ever dreamt of getting sponsored/turning pro?  (11:22) - How good of a student were you?  (16:38) - Journey with academia  (21:53) - PhD thesis on skateboarding in Seoul  (26:03) - Skateboarding anthropologist  (30:16) - Film Recordings festival  (32:47) - Pushing Boarders  (38:47) - How many days, how many panels at both editions?  (41:11) - Was the second edition more chill than the first one?  (43:14) - How difficult was it to involve sponsors?  (49:16) - Why hasn't there been another edition of PB since 2019?  (54:06) - Current initiatives that are inspired by Pushing Boarders (56:50) - Current position at the University of Leiden  (01:00:46) - Article about skateboarding and failure with Paul O'Connor  (01:04:38) - Studying the skateboarding scene in Korea  (01:16:06) - Climate crisis: why is it not discussed more in skateboarding?  (01:26:07) - Upcoming projects  (01:28:14) - Most valuable lesson learned from skateboarding  (01:30:13) - Friends questions  (01:57:29) - Conclusion   For more information and resources: https://linktr.ee/beyondboards

If you're studying the poetry of Sylvia Plath for the Leaving Cert, this podcast is for you! English teacher Laura Daly joins us to give you ideas and in-depth analysis you can use in your poetry essays. Laura covers different aspects of Plath's poetry in this podcast and examines each of her poems on the syllabus in detail.  Leaving Cert English students will be doing a select number of poems so there are timecodes below for each section so you can skip to the ones you're studying.  ___________________________ And for more great Leaving Cert English content on Studyclix, check out the free resources on our community page! https://www.studyclix.ie/community/leaving-certificate/english  ___________________________ Timecodes: 0:00 Introduction  1:20 Background  3:28 Structuring your answer 5:22 Poem 1 ‘Morning Song' 8:50 Poem 2 ‘Child' 11:17 Poem 3 ‘Poppies in July' 13:56 Poem 4  ‘Black Rook in Rainy Weather' 17:02 Poem 5 ‘The Arrival of the Bee Box' 20:25 Poem 6 ‘Mirror' 23:53 Poem 7 ‘Finisterre' 27:30 Poem 8 ‘Elm' 31:31 Poem 9 ‘The Times are Tidy' 34:41 Poem 10 ‘Pheasant' 36:53 Conclusion  ___________________________  For the full transcript, follow this link: https://www.studyclix.ie/leaving-certificate/english/higher/created-by-studyclix/the-plath-podcast-a-guide-for-leaving-cert-english-students  ___________________________ As always, we love to hear from you. If you have any questions, comments or feedback, please get in touch by email at info@studyclix.ie. Alternatively, you can contact us via the chatbox on Studyclix.ie. You can also reach us through any of our social media channels.  ___________________________ Follow Studyclix on social media for updates, study tips, competitions, memes and more! Facebook, Twitter, and Instagram: @studyclix   Tiktok: @studyclix.ie Snapchat: study_clix

If you're studying the poetry of Paula Meehan for the Leaving Cert, this podcast is for you! English teacher Laura Daly joins us to give you ideas and in-depth analysis you can use in your poetry essays. Laura covers different aspects of Meehan's poetry in this podcast and examines each of her poems on the syllabus in detail.  Leaving Cert English students will be doing a select number of poems so there are timecodes below for each section so you can skip to the ones you're studying.  ___________________________ And for more great Leaving Cert English content on Studyclix, check out the free resources on our community page! https://www.studyclix.ie/community/leaving-certificate/english  _____________________________ Timecodes:  0.00 - Introduction - Section 1 1:50 - Background - Section 2 5:08 - Structuring your answer - Section 3 7:45 - Poem 1: ‘The Exact Moment I Became a Poet' 11:13 - Poem 2: The Pattern 16:31 - Poem 3: Hearth Lesson 19:40 -  Poem 4: The Statue of the Virgin at Granard Speaks 23:50 -  Poem 5: Prayer for the Children of Longing 26:08 -  Poem 6: My Father Perceived as a Vision of St. Francis. 28:52 -  Poem 7: Buying Winkles 31:26 -  Poem 8: Cora Auntie 34:25 - Poem 9: Death of a Field 36:08 - Poem 10: Them Ducks Died for Ireland 37:34 -  Conclusion  ____________________________ For the full transcript, follow this link: https://www.studyclix.ie/leaving-certificate/english/higher/poetry-meehan-202324/created-by-studyclix/the-meehan-podcast-a-guide-for-leaving-cert-english-students  _____________________________ As always, we love to hear from you. If you have any questions, comments or feedback, please get in touch by email at info@studyclix.ie. Alternatively, you can contact us via the chatbox on Studyclix.ie. You can also reach us through any of our social media channels.  ___________________________ Follow Studyclix on social media for updates, study tips, competitions, memes and more! Facebook, Twitter, and Instagram: @studyclix   Tiktok: @studyclix.ie Snapchat: study_clix

Brandon Bishop grew up in Stevenson, AL, attended the University of Alabama, and established roots and raising his family in Madison. Brandon shares the interesting circumstance in which he met his wife, Trina, and how they would later become foster parents even with their own biological children. We discuss the obstacles and myths that still prevail delaying qualified individuals and couples from starting the process of fostering or adopting a child. Brandon shares many stories and insights from his many experiences as a foster parent, which proved to be both educational and emotional. Brandon is a songwriter and we discussed the lyrics to a song he wrote entitled "You're Doin it Wrong" and then watched it performed by Christina Lynn. Brandon is definitely a selfless person who leads a selfless life and you will be amazed to hear the other things he is involved with all aimed at community building. Episode Timeline: 00:00 Start 00:25 Episode Recap 03:00 Intro 05:53 MCFAPA Overview 12:05 Meeting Trina 17:04 Beginning the Foster Journey 21:40 Re-energizing 25:45 Myths of Fostering 32:30 Relationship with Birth Parents 41:28 Focusing on the Child 50:20 Reuniting with a Former Foster 52:39 Rules and Parenting Style 01:01:20 Kids Opening Up 01:05:02 Taking Care of the Host Family 01:10:27 "You're Doing it Wrong" 01:23:55 Personal/Solo Time 01:28:40 Music Producers 01:33:23 Picture Pack 01:54:53 The Quick 6 02:09:45 What would an Ad say? 02:12:04 Conclusion For more information on MCFAPA visit https://mcfapa.life For more information on Alabama's Foster and Adoptive Parent Association visit https://afapa.org Host/Interviewer: M. Troy Bye, Owner, Our Town Podcast Website: www.ourtownpodcast.net Spotify Channel: https://spoti.fi/3QtpT8z Audio available on all platforms - just search for "Our Town Podcast" Follow us on social media: LinkedIn: http://bit.ly/41rlgTt Facebook: https://bit.ly/ourtownpodcast Instagram: https://www.instagram.com/ourtownpodcast/ TikTok: http://bit.ly/3XIFsgo

Reigning World Champion and original member of the World Pizza Champions, Joe Carlucci, returns to the Podcast for milestone episode 50! Joe catches us up on the progress of the new store that will open in the summer, which requires tripling his staff and adding a Bourbon room, lessons and instruction from his mentor, handling frustrated customers and implementing quality control measures, raising a daughter in 2023, and the behind the scenes of what took place during his appearance on Hulu's "Best In Dough". Joe is always entertaining but also very thoughtful and drops some great nuggets of wisdom that you will not want to miss. Episode Timeline: 00:00 Start 01:45 EP 22 Recap 03:00 Impact of Bucee's on Business 05:45 Summary of Joe's Story 08:08 Influence of Tony Gemignani 12:43 Building a Team/Life Coach 18:40 Plans for New Valentina's Store 23:50 Amazing Staff 29:43 Adding a Bourbon Room/ New Commercial 33:15 Delivery and Pickup 39:00 Handling Frustrated Customers/Quality Controls 46:55 Joe's Dad 55:50 Raising Valentina 59:11 Appearance on Hulu's "Best in Dough" 01:15:00 Prayer Group/YT Channel for Valentina 01:19:30 Trends in Pizza Style 01:22:00 Educating Staff to Differentitate 01:28:57 The Quick 6/Empathy & Sympathy for Others 01:37:05 Surrounding Yourself with Positive Influence 01:44:45 Using Analogies to Teach 01:50:55 Valentina Dating 01:56:10 Projection for Move-In/Plan for Murals 02:06:00 Conclusion For more information on Valentina's Pizzeria and Famous Joe, visit: https://www.valentinaspizzeria.com Instagram: valentinaspizzeria Facebook: Valentina's Pizzeria & Wine Bar orJoseph Carlucci Host/Interviewer: M. Troy Bye, Owner, Our Town Podcast Website: www.ourtownpodcast.net YouTube Channel: https://bit.ly/3HJWfe9 Audio available on all platforms. Just search for "Our Town Podcast" Follow us on social media: LinkedIn: https://www.linkedin.com/in/our-town-podcast-50033a234/ Facebook: https://bit.ly/ourtownpodcast Instagram: https://www.instagram.com/ourtownpodcast/ TikTok: https://www.tiktok.com/@UCP5NjTsQ72k00C5n7ghLapA

Huntsville Havoc fans have endeared themselves to Clay "FreakDaddy" Sanders Coleman for the past 17 years.  Originally from Western Kentucky, FreakDaddy started in the radio business in college and then established himself as a household name on the North Alabama air waves.   While no longer working in radio, Clay continues to pursue his passion for announcing by volunteering his time to local Youth and High School sports, most notably for his son's teams/schools.  You will learn how Clay chose the FreakDaddy moniker, watch some of the funny bits and promos he has done, and watch him show off the Havoc's championship hardware and jersey's in a show 'n tell segment.  Clay is a great man and you will thoroughly enjoy getting to know him better! 00 0:00 Start 01:35 UAH Student Shout-Out  02:09 Clay Coleman Intro  06:25 Radio Industry  09:35 Western Kentucky Degree  16:20 Early Years/Dad's Influence  20:50 Podcast Resistance  25:57  Passion  32:30 Local Radio History  47:22 FreakDaddy's Passion for Broadcasting  54:30 Wimp Sanderson  58:30 FreakDaddy, FreakBaby  01:01:00 First Time seeing FreakDaddy  01:03:45 HS and Youth Announcing  01:11:49 Parent Involvement  01:17:10 Innovating HS Rivalry  01:22:09 FreakDaddy Origin  01:29:07 Minor League Sports  01:34:01 Havoc In-Game Entertainment  01:45:17 Tyler Piancentini Captainship  01:51:20 Adrenaline  01:55:49 Post Game Interviews  02:02:00 Funny Promos  02:10:45 Show 'N Tell  02:17:00 The Quick 6  02:31:09 Conclusion   For more information on Huntsville Havoc go to https://www.huntsvillehavoc.com  Host/Interviewer: M. Troy Bye, Owner, Our Town Podcast a brand of the Our Town Company, LLC  Website: www.ourtownpodcast.net  YouTube Channel: http://bit.ly/3HJWfe9 Audio available on all platforms.  Just search for "Our Town Podcast"

What is the status of your self-worth at present? How do you determine your self-worth? Many people base their value on things such as how many friends they have, their income, what car they drive, what neighbourhood they live in, the number of social media followers they have, and even their relationship status. All these are external factors and in this episode, we talk about how our worth is at the core of our very selves—our thoughts, our feelings, and our behaviours. These are all intimately tied to how we perceive our value as human beings, our internal sense of simply being good enough and worthy of love and belonging from others. If you are struggling with your self worth this episode is for you. Today's show offers you three simple steps to help you increase your self worth.  In this episode 01:10 — What is Self-Worth? 06:18 — You Determine Your Self-Worth 07:57 — Challenge Your Inner Voice 08:30 — Self-Worth Rooting from Childhood Experiences 10:42 — Practicing Self-Compassion 11:37 — Joy and Sorrow 12:46 — Learning Self-Compassion 14:35 — Don't Tear Others Down to Build Your Self-Worth Up 15:05 — Stop Gossiping Other People! 17:30 — When You Value Yourself, You Value Others 18:17 — Conclusion For more go to https://drmarisaleenaismith.com/90Like this episode? Please leave a review here - even one sentence helps!Follow me on Instagram.

How are you coping in your life at present? Are you constantly in a state of overwhelm and feel as though you have too much going on? You're spending every day simply treading water and you feel that it's not possible to catch up. This is the time that it's most important to reset and recalibrate in order to get back to neutral, so you can manage your day, your week and your life in general. But, how do we get back that vibrancy when we're feeling overwhelmed and stressed? In this episode, I'm going to talk you through three behaviours that may be causing you to spiral out of control and offer you some coping mechanisms around those habits. If you're ready to move from chaos to calm, overwhelm to transforming your life, listen up!   In this episode 01:09 — 3 Coping Strategies 06:08 — #1. Learn to Prioritize 07:19 — Take Control of Your Situation and Remain Positive 08:57 — Allow Yourself to Breathe 09:43 — #2. Distraction Detachment 11:59 — Focus On What You Are Doing 13:04 — Set Yourself Up for Success 14:04 — #3. Congruence 15:32 — Avoid spending time with negative people 16:20 — How Often Do You Make a Decision? 18:46 — Trust Your Intuition 19:34 — Conclusion For more go to https://drmarisaleenaismith.com/87Like this episode? Please leave a review here - even one sentence helps!Follow me on Instagram.

Link to bioRxiv paper: http://biorxiv.org/cgi/content/short/2022.09.14.507883v1?rss=1 Authors: Iglesias, L. P., Coelho, A. A., da Silva, N. R., Muller, H. K., Moreira, F. A., Wegener, G., Joca, S. Abstract: BACKGROUND: Post-traumatic stress disorder (PTSD) and co-morbid depression are frequently associated with severe symptoms, poor response to treatment and worse prognosis. Due to the absence of a suitable animal model, little is known about the biological basis of the comorbidity, severely limiting the discovery of new and more effective treatment options. The Flinders Sensitive Line rats (FSL) is a well-validated, selectively bred animal model of depression. However, several of its features, such as cognitive deficits and altered hypothalamic-pituitary-adrenal (HPA) axis response, also match symptomatic clusters of PTSD. In parallel, its resistant counterpart, the Flinders Resistant Line (FRL), is extensively used as a simple control. Still, little is known about its performance compared to the original strain, Sprague Dawley (SD), from which the FSL/FRL was originally derived. AIMS: Characterizing the behavioural performance and mechanisms involved in FSL, FRL and SD rats in fear-memory paradigms. METHODS: FSL, SD and FRL animals were submitted to tests assessing hippocampal-dependent and fear-related memory. Subsequently, plasticity factors and endocrine responses to stress were analysed to elucidate the molecular basis for the observed behavioural alterations. RESULTS: We found that FRL animals presented intact recognition memory and innate fear responses but could not properly display conditioned responses in the Conditioned Fear Conditioning (CFC) paradigm. FSL animals, despite a poor performance in the Novel Object Recognition task (NOR), showed similar levels of conditioned responses compared to SD, but impairments in extinction learning, a feature highly related to PTSD. The behavioural alterations were accompanied by alterations in plasma corticosterone levels and hippocampal expression of the glucocorticoid receptor and FKBP51. CONCLUSION: For the first time, we demonstrate an animal model of resilience and vulnerability to PTSD and co-morbid depression. The results suggest that the endophenotypes may be based on aberrant endocrine stress responses in the hippocampus. Copy rights belong to original authors. Visit the link for more info Podcast created by PaperPlayer

Introduction: - Whatever happened to Godly Fear? 1) The Four Horsemen of the Apocalypse (v1-8). 2) The Ministry of Martyrdom (v9-11). 3) The Wrath of the Lamb (v12-17). Conclusion: - ‘For the great day of their wrath has come, and who can stand?' Only those who fear the Lord and fear the Lamb: who know His character; who believe in His goodness; who trust in His promises; and who don't shrink from taking up the fight against evil that must come in this life – until Christ returns.

0:00 Intro 4:58 Headlines 10:33 Key Analysis Points 48:13 Conclusion For more updates, visit: http://www.brighteon.com/channel/hrreport NaturalNews videos would not be possible without you, as always we remain passionately dedicated to our mission of educating people all over the world on the subject of natural healing remedies and personal liberty (food freedom, medical freedom, the freedom of speech, etc.). Together, we're helping create a better world, with more honest food labeling, reduced chemical contamination, the avoidance of toxic heavy metals and vastly increased scientific transparency. ▶️ Every dollar you spend at the Health Ranger Store goes toward helping us achieve important science and content goals for humanity: https://www.healthrangerstore.com/ ▶️ Sign Up For Our Newsletter: https://www.naturalnews.com/Readerregistration.html ▶️ Brighteon: https://www.brighteon.com/channels/hrreport ▶️ Download our app: https://www.naturalnews.com/App ▶️ Join Our Social Network: https://brighteon.social/@HealthRanger ▶️ Check In Stock Products at: https://PrepWithMike.com

The use of the word alignment is subjective and can mean different things to different people. As voice teachers, we usually refer to alignment in the context of postural alignment. We understand that alignment is a necessary component for promoting healthy and efficient singing. However, to be in true alignment with authentic self means that we are balanced from a physiological, psychological, social and environmental perspective. From time to time, we can feel disconnected in our relationships with others, we may find ourselves in a job where we have lost our passion or we may feel physically disconnected in space and time. If you relate to any of these scenarios, you may well be in misalignment and this can impact all areas of your health, including vocal health. In this episode, I discuss alignment in all these four key areas and I share strategies that will help you realign to your authentic self. In this episode00:58 - What is alignment?03:35 - My experience with a misaligned student11.59 - Alignment with self15:35 - Does this sound like you?18:09 - Alignment with the environment19:55 - Measures for checking in on your alignment21:17 - My story of misalignment 28:15 - Physical Alignment  29:30 - Identifying physical habits32:08 - Postural Alignment 35:34 - Affects on the voice37:06 - Conclusion For more go to https://drmarisaleenaismith.com/12Like this episode? Please leave a review here - even one sentence helps!Follow me on Instagram.

  Sermon - Living in the joy of salvation (1 Peter 1:3-9) 1 Praise be to the God and Father of our Lord Jesus Christ! In his great mercy he has given us new birth into a living hope through the resurrection of Jesus Christ from the dead, 4 and into an inheritance that can never perish, spoil or fade. This inheritance is kept in heaven for you, 5 who through faith are shielded by God’s power until the coming of the salvation that is ready to be revealed in the last time. 6 In all this you greatly rejoice, though now for a little while you may have had to suffer grief in all kinds of trials. 7 These have come so that the proven genuineness of your faith – of greater worth than gold, which perishes even though refined by fire – may result in praise, glory and honour when Jesus Christ is revealed. 8 Though you have not seen him, you love him; and even though you do not see him now, you believe in him and are filled with an inexpressible and glorious joy, 9 for you are receiving the end result of your faith, the salvation of your souls. (1 Peter 1:3-9) Introduction The Apostle Peter was writing to a group of people, followers of Jesus, spread throughout what we know as modern Turkey. These believing sojourners were undergoing trials, suffering & persecution. Peter instructs them toward Christian stability, and the proper expression of this stability and growth. Throughout the letter, Peter stresses a hope so alive, so glorious and so very certain, that any persecution, trial and suffering can be endured. These people are sojourners or pilgrims on a spiritual journey! Last week we discovered that Peter reminds them of the God they worship and live for - a missional & relational God of salvation. A loving God who is Trinity – Father, Son and Holy Spirit. God the Father has chosen and is calling all people to Himself, out of amazing love for them. God the Holy Spirit sanctifies and cleanses to allow people to enter God’s holy presence through the obedient sacrifice of God the Son. Then we learnt together about how within the believer, that there is a battle. A spiritual battle – the old earthly human nature battling against the new nature of the believer given to them by God. Salvation is yours, Peter says, so go let the world know that this salvation can be theirs also, by living so devoted to God that it permeates every facet of your life. That people will know you are God’s possession and God lives through you! WOW! The believing sojourner is to live such a good life that they are good witnesses for the God in whom they believe! We also know that this group of people are undergoing various forms of suffering and grief. Not the least, sporadic events of persecution but also the possibility of systematic persecution to come. 1. God the Joy Giver! Praise be to the God and Father of our Lord Jesus Christ (v3) His great mercy he has given (v3) Resurrection of Jesus Christ (v3) Jesus Christ is revealed (v7) 2. Living Out Joy! New birth (v3) Living hope (v3) Inheritance (v4) Shielded by God’s power (v5) Salvation – future (v5) 3. Rejoice! (v6 Faith’s genuineness (v7) Faith’s love (v8) Faith’s belief (v8) Faith’s joy (v8) Faith’s outcome (v9) Conclusion For those of us who would call ourselves a Christian - a sojourner of Jesus Christ – you believe in Him and have placed your faith in Him for new hope, new life and salvation of your soul. I wonder what trials including alienation and persecution you have undergone in the past, are undergoing at the moment or will persevere through in the future. I don’t even know how I will suffer and grieve in the future. But I do know who has the answers to our trials and testing. It is my God and your God. Our God of love – Father, Son and Holy Spirit. He knows the answers and I have to trust in Him. Are you currently undergoing any sort of trial - run to God! He will listen! He is your protector, your guard and your empowerer! Remember He lives within you! He loves you! He cares for you! He is a personal God who has your best interests at heart! As Christians we worship and serve a God who knows intimately about personal suffering. Our God isn’t an inanimate and passive carving, to be placed on a shelf or a wall which is immune to the suffering of the world. No! Our God is a personal, dynamic and active God who knows the suffering we ourselves endure – because He Himself has suffered. He is an intimate, dynamic, responsive and living personal being who has shared in our sufferings through Jesus when He died on a cross 2000 years ago. This same Jesus who was resurrected and raised to new life and witnessed by our author - the Apostle Peter! WOW! The ineffable God made known to humanity in the man Jesus Christ. As part of our new hope and new life as Christians, as sojourners of Jesus Christ, we await that glorious day in the future when He has come again. That day when Jesus Christ will take your face in his scarred hands, and wipe away your tears. Wipe away your tears – tears of pain released and tears of ineffable and inexplicable joy! WOW! You and I will know then, that it was all worth it – the sufferings and trials that we have endured in this life, in order to enter the new life to come. Amazing! WOW! On that final day, when your faith is tested, will it be proven to be genuine? Let this faith of yours always seek to give praise, honour and glory to Jesus and Him alone. May it be a faith being worked out by you living a life which is worthy of Him alone – which is seen by those currently not in the faith. Your genuine faith being expressed with inexplicable joy to those outside. As Christians here, just as it was last week, it is an imperative that we go and show our new life, new hope, empowered and safeguarded by God’s power alone. Persecution may come and we will in some quarters even now be rejected. But we persevere. As Christians, we have good news for the world – it is up to us to go out living in the joy of salvation. We will be alienated by some, but also embraced by others. God is for us – who then shall we fear? God is a mission God – Peter clearly knows that – and because He is a mission God, we too are also on a mission. We have to take risks in order to continue this mission. History is filled with churches that failed to adapt and take the mission opportunities available to them. Will we be like that? I for one certainly do not hope so. We need to be reaching out, including those forgotten people – the people who cannot get out of their own homes for what ever reason. Helping those people who are already Christians and helping those who are not yet Christian, to find this living hope in God. God is a tri-unity of Love... The Father loves the Son and the Spirit. The Son loves the Father and the Spirit. The Spirit loves the Father and the Son. We as a church are also to be a community of love. A love which mirrors that of the God of love... A love which looks not to its own interests but to the interests of others... Let's go love... Encourage others - not just your friends or those you like... Let's go encourage others enduring all sorts of tests and trials, just as Peter has done to this group of spiritual sojourners... God loves you... Let's reflect the God we claim to love, follow and obey... To discover what more is said, please do download the audio to hear this sermon... Thank you! Right Mouse click or tap here to save this as an audio mp3 file You can now purchase our Partakers books! Please do click or tap here to visit our Amazon site! Click or tap on the appropriate link below to subscribe, share or download our iPhone App!

Short Throw Projectors There was a short throw projector on Woot! this week for $999. Not a bad price at all for the potential to have a 100” television in your family room or home theater. That got us thinking… Why aren't more people using short throw projectors in their homes? Their price per square inch of screen real estate is by far the most cost effective way to get a huge screen at home, and the install and setup is a snap. So what gives? Why aren't people using them. Let us first apologize if some of you reading or listening are using short throw projectors at home. We aren't saying that you are not a person. We're simply saying that to date, we haven't seen a short throw projector in use in any home we've ever been to, nor have we had anyone brag to us about how cool their short throw setup is. We're going to take a look at some pros and cons and see if we can come up with theories on why they haven't caught on. If you have one, or have had one in the past and decided to ditch it, we'd love to hear your take. What is it For those who don't know, a short throw projector is a home theater projector that, like a standard front projection system, can give you a very large display area in your home, often maxing out at 100” to 120”. The big difference is that they bounce the image off a mirror or two and project that large screen from only a few inches or a couple feet from the screen itself, not from all the way in the back of the room. So you get a huge home cinema by placing the projector on a standard TV stand at the front of your living room, in the same place you might put a center speaker or a soundbar. *Aside: Remember the old school big screen CRTs that would fold down or you'd pull a box out into the room to beam the image up onto the screen? It's kinda like that. Only not. Pros and Cons The pros are obvious: the cost to purchase a 100” or 120” television is astronomical - unattainable for most of us regular folk. So the only way to get a home theater that size is with a projector. But projectors are difficult to install, often requiring a professional to run cables and power to the back of the room. But with a short throw, there's not need to run anything to the back of the room. You just set them on your TV cabinet and hook them up like you would any other television. No install cost, low projector cost, instant home theater. The cons, as you can image, are nearly identical to the cons for typical from projection systems. In both cases, most are 1080p still. While prices for 4k are dropping, the are still at a good premium and selection is limited. Also, both suffer from a lack of overall brightness, making the ability to control ambient light critical, especially for daytime viewing. If you have a bright room with a bunch of windows, most projectors, including short throw projectors, will be frustrating to use during the day. And projectors require screens. You can't really just beam the picture onto a wall and expect to be happy with the picture. That means a second product to buy and install, increasing the complexity of the overall system. On top of that, many short throw projectors require a special screen that has been built to match the projector. At least with typical front projection you can buy and install whatever screen you like. Not so with some short throw setups. Probably the only con that short throw projectors don't share with standard front projectors is that people can walk through the beam and block it from getting to the screen. Unless people routinely walk on your TV cabinet, you won't have that issue with a short throw. Options LG PF1000UW The short throw projector we saw on Woot! for $999 was the LG PF1000UW Ultra Short Throw Smart LED Projector with webOS 3.0 Smart TV and Magic Remote. The specs sound pretty compelling, even for dedicated home theater use, not just portable or temporary instant home theater for backyards or parties or other events. With webOS 3.0 built in, it's like buying a Smart TV, just with a bigger screen. The throw distance is really short; at just 5 inches away you can get 60 inches of home theater, or go to 15 inches back to get images up to 100 inches on screen. And it has a max brightness of 1000 lumen. You get full HD 1080p picture quality. We would have loved 4k, but 1080p is good too. The LED lamp is very efficient and will last up to an estimated 30,000 hours. That means the lamp does not have to be replaced for about 10 years if the projector is used 8 hours every day. And it has 4-corner keystone technology that allows for adjustment of each of the four corners of the image for ideal projection image alignment. LG PF1000UW: $1399 MSRP LG also makes the HF85JA with 1500 lumens for a $1599 suggested price and the PH450U with 450 lumens for a $599 street (Amazon) price. Optoma EH320UST The Optoma Ultra Short Throw 3D 1080p Projector EH320UST is another option in this category. This option is impressively bright. It can hit a peak brightness of 4000 ANSI lumens. You get full HD 1080p resolution, 20,000:1 contrast ratio and it can also display true 3D content. They claim a long lamp life citing up to 6,500 hours, which is great, but not exactly the 30,000 hours you can get from LG. And this one can project a 100” image from just 21 inches away. Optoma EH320UST: $1564 street (Amazon) NEC NP-UM351W Nearly as bright as the Optoma, this unit from NEC gets up to 3500 lumens bright. Both are pretty close to good daytime viewing. It has a special Ultra short throw lens (0.36:1 throw ratio) helps eliminate shadows on the screen along with projected light in the presenter's eyes created by traditional front projection systems. It also has Horizontal & Vertical Keystone adjustment or Cornerstone Correction to ensures the image will fill the screen and won't be distorted at the edges. NEC NP-UM351W: $1092 street (Amazon) ViewSonic PX800HD The ViewSonic PX800HD has ViewSonic's Super Color True Cinema RGBRGB technology, this projector delivers calibrated color accuracy for brilliant, true-to-life images. With a 0.23 ultra-short throw lens, this projector can be placed just inches away from a wall or screen to give you a huge image up to 150”. In addition to the simplicity and convenience of ultra-short throw projection, the Port All compartment is specially designed for wireless streaming devices and PC sticks. Perfectly paired with a View Sonic BCP100 or BCP120 ambient light diffusing screen (sold separately), the PX800HD delivers a brilliant and supersized cinema experience that LED TVs can't match. ViewSonic PX800HD: $1299 Conclusion: For anyone that wants a 100 inch or larger screen, without having to run any cables to the back of the room, the short throw projector sure feels like the perfect fit. We're at a loss on why they aren't more popular. Have an opinion on them or direct knowledge of them? Fire off an email or drop a comment on the web page. Could be that the lack of enthusiasm or market penetration is due to incredibly poor marketing. Or maybe most people just don't have a wall big enough to accomodate a 100” screen. Who knows?

In episode 28 of Financially Simple, Justin talks about the Letter of Intent - the first step of many along the road to selling your Business. A Letter of Intent, or LOI, is like a declaration of war - it signals the buyer's desire to purchase your Business and your willingness to sell, without committing to anything just yet. Justin examines the format of an LOI, and also some of the terms and conditions that might be included in it that you should be aware of. Don't forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening!  TRANSCRIPT: Don't Let the Thrill of a Letter of Intent to Buy Your Business Cost You – Post #28   TIME INDEX: 00:44 - The Letter of Intent, the First Step in a Formal Business Sale 02:45 - What Is a Letter of Intent? 04:49 - What Is Included in the LOI? 08:46 - An LOI Is Not Really a Binding Agreement 09:01 - Why Have an LOI? 10:42 - Conditions to Look Out For 15:08 - State What Is Not for Sale 17:26 - Other Ts&Cs to Be Aware Of 20:27 - Conclusion For more in-depth reading about this podcast series, pick up a copy of Justin's new book: The Ultimate Sale USEFUL LINKS: Financially Simple.com Financially Simple on YouTube Financially Simple on Facebook Financially Simple on Twitter _________ BIO: Justin A. Goodbread, CFP®, CEPA, CVGA, is a nationally recognized financial planner, business educator, wealth manager, author, speaker, and entrepreneur. He has 20+ years of experience teaching small business owners how to start, buy, grow, and sell businesses. He is a multi-year recipient of the Investopedia Top 100 Advisor and 2018 Exit Planning Institute's Exit Planner Leader of the Year.DISCLOSURES:This podcast is distributed for informational purposes only. Statements made in the podcast are not to be construed as personalized investment or financial planning advice, may not be suitable for everyone, and should not be considered a solicitation to engage in any particular investment or planning strategy. Listeners should conduct their own review and exercise judgment or consult with their own professional financial advisor to see how the information contained in this podcast may apply to their own individual circumstances. All investing involves the risk of loss, including the possible loss of principal. Past performance does not guarantee future results and nothing in this podcast should be construed as a guarantee of any specific outcome or profit. All market indices discussed are unmanaged, do not incur management fees, costs and expenses, and cannot be invested into directly. Investment advisory services offered by WealthSource Partners, LLC. Neither WealthSource Partners, LLC nor its representatives provide legal or accounting advice. The content of this podcast represents the views and opinions of Justin Goodbread and/or the podcast's guests and do not necessarily represent the views and/or opinions of WealthSource Partners, LLC. Statements made in this podcast are subject to change without notice. Neither WealthSource Partners, LLC nor its representatives, the podcast's hosts, or its guests have an obligation to provide revised statements in the event of changed circumstances. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes the use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.   Advisors who wished to be ranked in Investopedia's Top 100 Financial Advisors list either self-submitted answers to questions compiled by Investopedia or were nominated by peers.  Rankings were determined based on the number of followers and engagement on social media, primary contribution to professional industry websites, and their focus on financial literacy.  Neither performance nor client experience, however, were considered.  No compensation was paid by WealthSource Partners, LLC or Justin Goodbread to secure placement on Investopedia's Top 100 Financial Advisors List.   The Exit Planning Institute's Leader of the Year is awarded to a nominee who is a CEPA credential holder who has made a significant impact or contribution to the exit planning profession or overall community through innovation and influence and is viewed by the Exit Planning Institute as a thought leader, risk-taker and specialist while showing characteristics of collaboration.   This podcast might recommend products or services that offer Financially Simple compensation when you use them. This compensation is used to help offset the cost of creating the content. We will, however, never suggest products/services solely for the compensation we receive.

In episode nine of Financially Simple, Justin talks about having a vision for the future of Your Business. Having a Vision Statement helps to give business owners a clear idea of where they want their business to go. It aids in decision making, team focus, and reassures employees and investors, that you, as the owner, know what you want and how to get there. Don't forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! TRANSCRIPT: Why a Business Vision Statement is Important to Its Sellability – Post #9   TIME INDEX: 00:32 – How's Your Vision? 00:36 - Lost in a Swamp 03:58 - Definition of a Vision Statement 05:03 - Why Do You Need a Vision Statement? 05:15 - Direction 06:09 - Future Focus 06:43 - Decision Making 07:34 - Team Alignment 09:52 - Culture of Helpful Change 11:17 - Shapes Strategy 11:57 - Measuring Tool 12:53 - The How 13:16 - The Funnel Approach 17:13 - Don't Give Up Control 18:58 - Wisdom or Insanity? 20:43 - Integrate Vision into Your Business Plan 21:08 - Conclusion For more in-depth reading about this podcast series, pick up a copy of Justin's new book: The Ultimate Sale USEFUL LINKS: Definition of ‘Vision Statement'  Financially Simple  Financially Simple on YouTube  _________ BIO: Justin A. Goodbread, CFP®, CEPA, CVGA, is a nationally recognized financial planner, business educator, wealth manager, author, speaker, and entrepreneur. He has 20+ years of experience teaching small business owners how to start, buy, grow, and sell businesses. He is a multi-year recipient of the Investopedia Top 100 Advisor and 2018 Exit Planning Institute's Exit Planner Leader of the Year.DISCLOSURES:This podcast is distributed for informational purposes only. Statements made in the podcast are not to be construed as personalized investment or financial planning advice, may not be suitable for everyone, and should not be considered a solicitation to engage in any particular investment or planning strategy. Listeners should conduct their own review and exercise judgment or consult with their own professional financial advisor to see how the information contained in this podcast may apply to their own individual circumstances. All investing involves the risk of loss, including the possible loss of principal. Past performance does not guarantee future results and nothing in this podcast should be construed as a guarantee of any specific outcome or profit. All market indices discussed are unmanaged, do not incur management fees, costs and expenses, and cannot be invested into directly. Investment advisory services offered by WealthSource Partners, LLC. Neither WealthSource Partners, LLC nor its representatives provide legal or accounting advice. The content of this podcast represents the views and opinions of Justin Goodbread and/or the podcast's guests and do not necessarily represent the views and/or opinions of WealthSource Partners, LLC. Statements made in this podcast are subject to change without notice. Neither WealthSource Partners, LLC nor its representatives, the podcast's hosts, or its guests have an obligation to provide revised statements in the event of changed circumstances. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes the use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.   Advisors who wished to be ranked in Investopedia's Top 100 Financial Advisors list either self-submitted answers to questions compiled by Investopedia or were nominated by peers.  Rankings were determined based on the number of followers and engagement on social media, primary contribution to professional industry websites, and their focus on financial literacy.  Neither performance nor client experience, however, were considered.  No compensation was paid by WealthSource Partners, LLC or Justin Goodbread to secure placement on Investopedia's Top 100 Financial Advisors List.   The Exit Planning Institute's Leader of the Year is awarded to a nominee who is a CEPA credential holder who has made a significant impact or contribution to the exit planning profession or overall community through innovation and influence and is viewed by the Exit Planning Institute as a thought leader, risk-taker and specialist while showing characteristics of collaboration.   This podcast might recommend products or services that offer Financially Simple compensation when you use them. This compensation is used to help offset the cost of creating the content. We will, however, never suggest products/services solely for the compensation we receive.

Background: Acute schistosomiasis constitutes a rare but serious condition in individuals experiencing their first prepatent Schistosoma infection. To circumvent costly and time-consuming diagnostics, an early and rapid diagnosis is required. So far, classic diagnostic tools such as parasite microscopy or serology lack considerable sensitivity at this early stage of Schistosoma infection. To validate the use of a blood based real-time polymerase chain reaction (PCR) test for the detection of Schistosoma DNA in patients with acute schistosomiasis who acquired their infection in various endemic regions we conducted a European-wide prospective study in 11 centres specialized in travel medicine and tropical medicine. Methods: Patients with a history of recent travelling to schistosomiasis endemic regions and freshwater contacts, an episode of fever (body temperature >= 38.5 degrees C) and an absolute or relative eosinophil count of >= 700/mu l or 10%, were eligible for participation. PCR testing with DNA extracted from serum was compared with results from serology and microscopy. Results: Of the 38 patients with acute schistosomiasis included into the study, PCR detected Schistosoma DNA in 35 patients at initial presentation (sensitivity 92%). In contrast, sensitivity of serology (enzyme immunoassay and/or immunofluorescence assay) or parasite microscopy was only 70% and 24%, respectively. Conclusion: For the early diagnosis of acute schistosomiasis, real-time PCR for the detection of schistosoma DNA in serum is more sensitive than classic diagnostic tools such as serology or microscopy, irrespective of the region of infection. Generalization of the results to all Schistosoma species may be difficult as in the study presented here only eggs of S. mansoni were detected by microscopy. A minimum amount of two millilitre of serum is required for sufficient diagnostic accuracy.

Background/Aims: Viral infections are a major problem worldwide and many of them are complicated by virally induced glomerulonephritides. Progression of kidney disease to renal failure is mainly attributed to the development of renal fibrosis characterized by the accumulation of extracellular matrix components in the mesangial cell compartment and the glomerular basement membrane. Plasminogen activator inhibitor type 1 (PAI-1) and tissue plasminogen activator (t-PA) are major regulators of plasmin generation and play an important role in generation and degradation of glomerular extracellular matrix components. Viral receptors expressed by mesangial cells (MC) are known to be key mediators in immune-mediated glomerulonephritis. We investigated the effect of stimulation of the viral receptors toll-like receptor 3 (TLR3) and retinoic acid-inducible gene I (RIG-I) on the expression of PAI-1 and t-PA. Methods: Expression of PAI-1 and t-PA in immortalized human MC stimulated with polyriboinosinic: polyribocytidylic acid {[}poly(I:C)] RNA and cytokines were analyzed by real-time RT-PCR and ELISA. Results: Incubation of MC with poly(I:C) RNA to activate the viral receptors TLR3 and RIG-I upregulates the expression of PAI-1 and t-PA. Knockdown of viral receptors with specific siRNA abolishes the induction of PAI-1 and t-PA. Conclusion: For the first time a link between the activation of viral receptors on MC and potentially causative agents in the development of glomerulosclerosis and tubulointerstitial fibrosis is shown. The progression of inflammatory processes to glomerulosclerosis can be postulated to be directly enhanced by viral infection. Copyright (C) 2009 S. Karger AG, Basel

Study design: A systematic review of randomized controlled trials. Objectives: To evaluate the effectiveness of segmental stabilizing exercises for acute, subacute and chronic low back pain with regard to pain, recurrence of pain, disability and return to work. Methods: MEDLINE, EMBASE, CINAHL, Cochrane Controlled Trials Register, PEDro and article reference lists were searched from 1988 onward. Randomized controlled trials with segmental stabilizing exercises for adult low back pain patients were included. Four comparisons were foreseen: (1) effectiveness of segmental stabilizing exercises versus treatment by general practitioner (GP); (2) effectiveness of segmental stabilizing exercises versus other physiotherapy treatment; (3) effectiveness of segmental stabilizing exercises combined with other physiotherapy treatment versus treatment by GP and (4) effectiveness of segmental stabilizing exercises combined with other physiotherapy treatment versus other physiotherapy treatment. Results: Seven trials were included. For acute low back pain, segmental stabilizing exercises are equally effective in reducing short-term disability and pain and more effective in reducing long-term recurrence of low back pain than treatment by GP. For chronic low back pain, segmental stabilizing exercises are, in the short and long term, more effective than GP treatment and may be as effective as other physiotherapy treatments in reducing disability and pain. There is limited evidence that segmental stabilizing exercises additional to other physiotherapy treatment are equally effective for pain and more effective concerning disability than other physiotherapy treatments alone. There is no evidence concerning subacute low back pain. Conclusion: For low back pain, segmental stabilizing exercises are more effective than treatment by GP but they are not more effective than other physiotherapy interventions.