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In this deep-dive episode, we explore what it truly means to be "AI-native" versus bolting AI onto existing products. Abhay Mitra, CTO of Nirvana Insurance, shares how his team is building industry-specific AI models to transform the $800B+ commercial insurance market, starting with trucking—one of the most complex and painful sectors in insurance.From telematics data platforms to fine-tuned underwriting models, discover why commercial insurance might be the perfect proving ground for AI and how a data-first approach is creating unfair advantages for startups competing against century-old incumbents.Key Takeaways
Becoming Your Own Banker by Nelson Nash: https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Visit our website: https://www.thewealthwarehousepodcast.com/Infinite Banking can be exciting to many people as a concept. Yet, putting it into action seems to be a hang-up for most investigating the prospect of creating their own banking system.Chief among those obstacles to action is the question: “How much does it take to get started?”Each situation is different – and everyone's goals and plans for legacy are different. However, Dave and Paul take you through how you can find out what IBC will take to implement in your life, taking into account factors such as your income, age and goals.Additionally, the fellas dig into income and how bankers and non-bankers alike should be viewing the money that they make during their peak earning years and beyond.Episode Highlights:0:00 - Introduction1:06 - Episode beginning2:48 - Capitalization remorse9:56 - “How much do I need to get started?”11:45 - What % of your portfolio is outside of your reach?13:06 - How big of a tax-free retirement bucket do you need?15:36 - The years BEFORE retirement21:08 - Correlating your assets (and retirement) w/ the market25:40 - Thinking with the end in mind35:18 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website: https://www.thewealthwarehousepodcast.com/ Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com
In this Healthy, Wealthy, and Smart Podcast episode, host Dr. Karen Litzy welcomes Patrick Tarnowski, PT, MBA, a physical therapist and chief commercial officer at One Step, to discuss the gait analysis. Gait analysis is the study of how we walk, a crucial area of focus for physical therapists, especially regarding aging and overall health. Pat shares his extensive background in healthcare, spanning over two decades, and describes his journey from patient care to leading innovations in gait analysis and patient outcomes. Listeners will gain insights into the importance of gait analysis, how it changes with age, and what it means for improving health and mobility. Please tune in to learn more about this vital aspect of physical therapy and its impact on patient care. Time Stamps: [00:01:51] Gait analysis and biomechanics. [00:07:28] Gait analysis essentials. [00:08:35] Observational gait analysis effectiveness. [00:12:38] Correlating patient goals with analysis. [00:18:01] Functional assessment in treatment plans. [00:22:39] Patient confidence and gait analysis. [00:24:56] Gait speed as vital sign. [00:31:15] Gait analysis using smartphones. [00:34:40] Monitoring patients in real world. [00:38:45] Importance of mobility in health. More About Patrick Tarnowski, PT, MBA: As Chief Commercial Officer at OneStep, Pat is accountable for the company's US market entry through strategic provider partnerships. His deep healthcare experience as a leader in health plans, health systems, medical devices, startups and digital care delivery support and enable OneStep's growth and scale. As an entrepreneur, Pat has successfully launched and scaled care delivery companies, digital solutions that focused on health and wellbeing, disease management and virtual care and worked with providers to achieve success in value-based payment models. He received his degree in physical therapy from Boston University and his master's in business administration from the University of St. Thomas. A lifelong learner, Pat has also held several academic appointments and is a grant reviewer for the National Science Foundation's SBIR seed fund and served as an Industry Mentor for their I-Corp Innovation program. He has been the principal investigator in numerous clinical studies and is the Vice President of Professional Practice of the Minnesota Chapter of the American Physical Therapy Association's and the Minnesota Cancer Alliance Steering Committee. Pat lives in Minneapolis with his family, dog Maizey and is a committed outdoors enthusiast and endurance athlete. Resources from this Episode: One Step Website Pat on LinkedIn Jane Sponsorship Information: Book a one-on-one demo here Front Desk @ Jane Mention the code LITZY1MO for a free month Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio
Suresh Vasudevan, CEO of Sysdig, discusses the evolving challenges of cloud security incident response and the need for new approaches to mitigate organizational risk.Topics Include:Cybersecurity regulations mandate incident response reporting.Challenges of cloud breach detection and response.Complex cloud attack patterns: reconnaissance, lateral movement, exploit.Rapid exploitation - minutes vs. days for on-prem.Importance of runtime, identity, and control plane monitoring.Limitations of EDR and SIEM tools for cloud.Coordinated incident response across security, DevOps, executives.Criticality of pre-defined incident response plans.Increased CISO personal liability risk and mitigation.Documenting security team's diligence to demonstrate due care.Establishing strong partnerships with legal and audit teams.Covering defensive steps in internal communications.Sysdig's cloud-native security approach and Falco project.Balancing prevention, detection, and response capabilities.Integrating security tooling with customer workflows and SOCs.Providing 24/7 monitoring and rapid response services.Correlating workload, identity, and control plane activities.Detecting unusual reconnaissance and lateral movement behaviors.Daisy-chaining events to identify potential compromise chains.Tracking historical identity activity patterns for anomaly detection.Aligning security with business impact assessment and reporting.Adapting SOC team skills for cloud-native environments.Resource and disruption cost concerns for cloud agents.Importance of "do no harm" philosophy for response.Enhancing existing security data sources with cloud context.Challenges of post-incident forensics vs. real-time response.Bridging security, DevOps, and executive domains.Establishing pre-approved incident response stakeholder roles.Maintaining documentation to demonstrate proper investigation.Evolving CISO role and personal liability considerations.Proactive management of cyber risk at board level.Developing strong general counsel and audit relationships.Transparency in internal communications to avoid discovery risks.Security teams as business partners, not just technicians.Sysdig's cloud security expertise and open-source contributions.Participants:· Suresh Vasudevan – CEO, SysdigSee how Amazon Web Services gives you the freedom to migrate, innovate, and scale your software company at https://aws.amazon/isv/
Jason Lippert, CEO of LCI Industries (NYSE: LCII) M&A integration is notoriously challenging—cultural misalignment, disengaged leaders, and high turnover often derail even the best-laid plans. How do you overcome these obstacles and ensure a seamless integration that drives long-term success? In this episode, Jason Lippert, CEO of LCI Industries, shares his proven playbook for mastering M&A integration through leadership development and cultural alignment. Things you will learn: Correlating culture metrics with financial performance Investing in leadership development for a stronger frontline Proactive culture development for new team members Exploring AI to enhance customer service Identifying strong leadership during diligence ******************* This episode is sponsored by S&P Global. S&P Global Market Intelligence has private companies covered. Whether you're looking for your next investment or M&A target, conducting peer comparisons, assessing counterparty credit risk, or monitoring your supply chain, S&P Capital IQ Pro's extensive private company data can give you the insights you need for a competitive edge. Uncover tangible insights on private companies by visiting spglobal.com/privatecompanydata This episode is also sponsored by DealRoom. Harness the power of Buyer-Led M&A™ with DealRoom's proven framework. Streamline your acquisitions, from sourcing to integration, for smarter, more strategic deal-making that drives growth and value. Visit DealRoom.net to learn more. ******************* Episode Timestamps: 00:00 Intro 07:37 Evolving from seller-led to buyer-led M&A strategies 10:43 Capital allocation and acquisition strategy in a public company 13:08 Defining and measuring company culture through core values 15:56 Culture as a driver of value in M&A integration 19:50 Assessing and transforming culture in M&A pre-LOI 21:45 Leveraging culture as a competitive advantage post-LOI 22:52 Building a playbook for culture and leadership integration 25:25 Fostering personal and professional growth plans for employees 33:23 Measuring success through culture and leadership metrics 37:30 Using culture to build trust and drive post-acquisition success 40:31 Correlating culture metrics with financial performance 42:14 Proactive culture development for new team members 43:53 Identifying strong leadership
Today, you'll learn about the cause of static electricity, how a new headband could help you stop a stroke before it happens, and why the ground in Siberia is exploding. Static Electricity “We Finally Know What Creates Static Electricity, After Thousands of Years.” by Michelle Starr. 2024. “Why petting your cat leads to static electricity.” Northwestern. 2024. Stroke Headband “Laser headband non-invasively IDs stroke risk in real time.” by Bronwyn Thompson. 2024. “Correlating stroke risk with non-invasive cerebrovascular perfusion dynamics using a portable speckle contrast optical spectroscopy laser device.” by Yu Xi Huang, et al. 2024. Exploding Craters “Chemists Finally Unravel the Mystery of Siberia's Explosive Craters.” by Adam Kovac. 2024. “Everything Is Extremely Normal and Totally Fine.” by Brian Kahn. 2020. “Osmosis Drives Explosions and Methane Release in Siberian Permafrost.” by Ana M. O. Morgado, et al. 2024. “The Mystery of Siberia's Exploding Craters, Explained.” YouTube, Distilled. 2023. Follow Curiosity Daily on your favorite podcast app to get smarter with Calli and Nate — for free! Still curious? Get exclusive science shows, nature documentaries, and more real-life entertainment on discovery+! Go to https://discoveryplus.com/curiosity to start your 7-day free trial. discovery+ is currently only available for US subscribers. Hosted on Acast. See acast.com/privacy for more information.
Correlating the old contents. That always goes well.
Ryan takes the layers back on the Commanders' initial 53-man roster. From Jayden Daniels, to the decisions at RB and DB, to the trade of John Ridgeway and release of KJ Henry.
In this episode, Rosalind and Domagoj have an enlightening discussion demystifying Tantra. They explore how Tantra is a path to freedom that teaches you to fall in love with life. Tantra aims to help one realize everything is infinite and discover naturalness, spontaneity and openness to the mystery of life. Rituals in Tantra go hand in hand with meditation and realization of the teachings within oneself. The goal is freedom and absolute independence. They talk about transcending duality between matter and spirit, external rituals and internal experiences, embracing life and relationships as they are. They discuss: - The importance of modernizing and adapting tantric rituals and practices to suit the practitioners rather than just following fixed external instructions. - How Tantric philosophy sees matter and spirit as one, both being divine. - The interplay and correlation between external tantric rituals and internal meditations and realizations. - How intimacy, relationships and embracing life and others enables easy ascent of energy compared to forced individual practices. Loving presence effortlessly moves energy. - How Tantra teaches one to fall in love with life just as it is - overwhelming, enormous and mysterious. - The role of a Tantric guru and how the teacher principal always exists within and guides one's own direct experience. Favorite phrases: "The teachings are like gold jewelry, you receive a lump of gold and you must hammer it into a jewelry for yourself." "If the doors of perception were cleansed, then everything would appear to men as it is - infinite." Timestamps: [00:00] Introducing the topics of discussion [00:39] The essence of tantric rituals being inner experience vs outer form [02:28] Correlating external rituals and internal realizations in tantra [05:19] Embracing life effortlessly moves energy compared to forced practices [09:10] William Blake on seeing matter and spirit as one [14:50] Falling in love with life as the essence of tantra [18:45] The role of a tantric teacher and physical vs inner gurus [21:20] Domagoj shares about his tantric guru [28:04] Closing chant
In today's Only Fans, Clint finds a way to make complements not as nice as they may seem. Dan blows on his son's face and he enjoys it but Meg and Clint laugh about blowing his son. See omnystudio.com/listener for privacy information.
In this episode, Gabriella Boutros and Katelyn Gutierrez give their own perspectives on how Vincent Van Gogh's “The Night Cafe” can possibly be one of his most insightful paintings. Correlating his background and his intentions to his artworks
Lords: * Ben * Nicholas Topics: * Let me describe to you the Australian treats I sent my Canadian friend * The UX of live sport is terrible * Game jam idea! * https://en.wikipedia.org/wiki/ListofgamesthatBuddhawouldnot_play * I Continue to Dream, by Langston Hughes * https://mypoeticside.com/show-classic-poem-13632 * Being overly patriotic and repping the national identity but only when around foreigners, is this something everyone does or just aussies? Microtopics: * Projects that you can't talk about yet * Telling a joke for international joke day. * A very busy day for Australians. * Sending 3 kilos of lollies to your co-worker in Canada. * It's the way it shatters that matters. * Cherry Ripes. * The thinking man's candy. * Chicken Crimpy. * A biscuit inspired by Golden Gaytime. * "It's hard to have a Gaytime on your own." * Renaming chocolate jelly babies to be less racist. * A real enthusiasm for desiccated coconut. * Butter chicken parmigiana. * P burger candy. * Whether kangaroos are hunted or farmed. * Whether kangaroos are the same size as the kangaroo fruit. * The waiter in Japan staring at you until you eat the single slice of kiwi. * The official ranking of fruit prestige in Japan, with melon only being bested by keys and Galaga ships. * How many footballs they have in Australia. (At least three, maybe six.) * A sport where nobody can tell when somebody has scored so the whole audience is constantly on edge. * The theme song for the guy coming up to bat. * Booing when your team scores, because they didn't score more. * Whether Eurovision is better when you're not in Europe. * Correlating sports with Eurovision. * A little song and dance that's definitely not political. * XFL camera operators running around on the field. * Improving sports broadcasts with drone cameras. * A comprehensive list of games that are causes for negligence. * Games on boards with 8 or 10 rows (or the same games played in the sky). * Avoiding the line to be avoided. * Making a mark on a wall and deciding if it looks like an elephant. * There's no throwing, Buddha! This is not a cause for negligence. * How the Buddha feels about the Mersenne Twister. * An abacus except it's a roller coaster track. * Tracing letters in the air or on a friend's back. * Even more games Buddha would not play. * The minigame from the beginning of Mario 64 where you stretch out his eyes. * What Shall it Be? * In this game you are the video game and you are the one being played. * A video game adaptation of the less half fun of Pictionary. * Kinect Charades. * Using the Kinect voice to say "it's goat!" * It turns out Molyneux was wearing the business all along. * Turning your dream into art. Like a video game! Or something more artistic. * Dubbing your podcast onto cassette tape and calling it an Audio Zine. * The Creative Labs Creative Zen. * Setting up your sound card and hearing digitized speech in Leisure Suit Larry. * Fond memories of listening to digital audio on your Creative Labs Sound Blaster. * Dr. Sbaitso and Dr. Sbaitso imitators. * What you do when your dad isn't around to help you boot up Red Alert. * An FMV adventure game set in Germany. * The Red Alert installation experience. * Tim Curry giving his all in the Red Alert FMV cutscenes. * An oral history of Tim Curry's escape into the one place uncorrupted by capitalism. * Enjoying the Aboriginal Sauce at Outback Steakhouse. * Australians explaining that America also started as a prison colony * Hamilton didn't talk about this! * The Simpsons writing room discovering the Coriolis effect and realizing that they need to tell the world so it's lucky that anything they write will be broadcast on national television and on streaming services for decades to come. * Everyone in your age bracket having the first ten seasons of the Simpsons memorized. * Finding Frinkiac, analogous to discovering a new Blender plug-in. * Lying on the couch and taking a photo of the TV. * Having a mobile game and sending the APK to anyone who asks nicely.
Today organizations have a large part of their environment outside of their control. They have authentication, email, data, code—some organizations have the majority of their most important assets in cloud and SaaS applications. And yet the security team does not have effective tooling to investigate across this surface.So when a complex breach unfolds, an organization can find themselves scrambling. Why?The first problem is cloud scale. The amount of telemetry that is produced daily across this surface is extraordinary. The security tooling a team would use is not appropriate for the sheer volume of data that needs to be collected.The second problem is cloud complexity. Correlating cloud data into contextual alerts and insights that teams can act on is a massive task that requires deep understanding of each environment—which leads into the third problem:Most teams lack cloud expertise—and the DevOps teams they often turn to for cloud knowledge lack security expertise. Nobody is holding all the cards when it comes to detecting, investigating and responding to threats.We have spent years building a comprehensive solution that addresses the challenges facing modern SOC teams and the transforming enterprises they're tasked with securing. It distills our knowledge to elevate their cloud security capacity and capabilities. So the now SecOps can have broad visibility across clouds and SaaS—because our solution harvests all the needed telemetry and stores it for years for a minimal cost.When an incident happens, they can easily answer the questions that are fundamental to a modern organization's security and resilience: Did anyone get in? Where did they go? What did they do while inside? What did they take? —because our Cloud Attack Scenario Library filled with the latest intelligence to root out cloud and SaaS threats.And they'll possess the speed of Mitiga's automation—to dramatically accelerate detection, investigation and response—minimizing impact.With Mitiga, the SOC is well equipped to deal with cloud threats.Learn more about Mitiga: https://itspm.ag/mitiga-5zzNote: This story contains promotional content. Learn more.Guest: Ariel Parnes, COO and Co-Founder at MitigaOn LinkedIn | https://www.linkedin.com/in/arielparnes/On Twitter | https://twitter.com/arielparnesResourcesLearn more and catch more stories from Mitiga: https://www.itspmagazine.com/directory/mitigaView all of our RSA Conference Coverage: https://www.itspmagazine.com/rsa-conference-usa-2024-rsac-san-francisco-usa-cybersecurity-event-infosec-conference-coverageLearn more about 7 Minutes on ITSPmagazine Short Brand Story Podcasts: https://www.itspmagazine.com/purchase-programsNewsletter Archive: https://www.linkedin.com/newsletters/tune-into-the-latest-podcasts-7109347022809309184/Business Newsletter Signup: https://www.itspmagazine.com/itspmagazine-business-updates-sign-upAre you interested in telling your story?https://www.itspmagazine.com/telling-your-story
Today organizations have a large part of their environment outside of their control. They have authentication, email, data, code—some organizations have the majority of their most important assets in cloud and SaaS applications. And yet the security team does not have effective tooling to investigate across this surface.So when a complex breach unfolds, an organization can find themselves scrambling. Why?The first problem is cloud scale. The amount of telemetry that is produced daily across this surface is extraordinary. The security tooling a team would use is not appropriate for the sheer volume of data that needs to be collected.The second problem is cloud complexity. Correlating cloud data into contextual alerts and insights that teams can act on is a massive task that requires deep understanding of each environment—which leads into the third problem:Most teams lack cloud expertise—and the DevOps teams they often turn to for cloud knowledge lack security expertise. Nobody is holding all the cards when it comes to detecting, investigating and responding to threats.We have spent years building a comprehensive solution that addresses the challenges facing modern SOC teams and the transforming enterprises they're tasked with securing. It distills our knowledge to elevate their cloud security capacity and capabilities. So the now SecOps can have broad visibility across clouds and SaaS—because our solution harvests all the needed telemetry and stores it for years for a minimal cost.When an incident happens, they can easily answer the questions that are fundamental to a modern organization's security and resilience: Did anyone get in? Where did they go? What did they do while inside? What did they take? —because our Cloud Attack Scenario Library filled with the latest intelligence to root out cloud and SaaS threats.And they'll possess the speed of Mitiga's automation—to dramatically accelerate detection, investigation and response—minimizing impact.With Mitiga, the SOC is well equipped to deal with cloud threats.Learn more about Mitiga: https://itspm.ag/mitiga-5zzNote: This story contains promotional content. Learn more.Guest: Ariel Parnes, COO and Co-Founder at MitigaOn LinkedIn | https://www.linkedin.com/in/arielparnes/On Twitter | https://twitter.com/arielparnesResourcesLearn more and catch more stories from Mitiga: https://www.itspmagazine.com/directory/mitigaView all of our RSA Conference Coverage: https://www.itspmagazine.com/rsa-conference-usa-2024-rsac-san-francisco-usa-cybersecurity-event-infosec-conference-coverageLearn more about 7 Minutes on ITSPmagazine Short Brand Story Podcasts: https://www.itspmagazine.com/purchase-programsNewsletter Archive: https://www.linkedin.com/newsletters/tune-into-the-latest-podcasts-7109347022809309184/Business Newsletter Signup: https://www.itspmagazine.com/itspmagazine-business-updates-sign-upAre you interested in telling your story?https://www.itspmagazine.com/telling-your-story
GET HEIRLOOM SEEDS & NON GMO SURVIVAL FOOD HERE: https://heavensharvest.com/ USE Code WAM to save 5%! GET ORGANIC COFFEE, MANUKA HONEY AND MUSHROOM TINCTURES HERE: https://madtravnutrition.com/ Use Code "Josh" and save 10%! Support the work of Jaymie Icke & Ickonic! HELP THE WAM LEGAL DEFENSE FUND HERE: https://gogetfunding.com/wam-legal-defense/ BUY GOLD HERE: https://firstnationalbullion.com/schedule-consult/ GET YOUR APRICOT SEEDS at the life-saving Richardson Nutritional Center HERE: https://rncstore.com/r?id=bg8qc1 Josh Sigurdson reports on the massive increase in deaths following the vaccines as new studies continue to expose the global eugenics experiment that people had bowed to for many precious years. 27% of Saudis in a bombshell study suffered from heart issues after getting the mRNA vaccines. Some within days, some more than a year later. The correlation shows an indisputable connection despite many pharma shills continuing to promote the death shots and scoffing at myocarditis claims. Children are dying in massive numbers "suddenly" as we've actually seen an increase year over year despite less vaccine intake as the ticking time bombs planted in the bodies of millions of people begin to set off. Correlating the excess death numbers which in 2020 were actually in the negative to excess death numbers in 2021, 2022 and the data we have from 2023 clearly proves the point that the vaccines are weapons of mass murder. Starting on week 21 of 2021 (the week of the emergency use authorization), the death numbers IMMEDIATELY skyrocket. We've all heard this before. But the studies are piling up, just in time for cancer to skyrocket and the media to fearmonger about "Bird Flu" being 100 times deadlier than "covid" which in itself was never isolated. There is a clear cut agenda to enslave the population by scaring them into enslaving themselves. We are being poisoned and lead to the slaughter. Are you prepared to fight back? Stay tuned for more from WAM! ORDER QUALITY MEAT TO YOUR DOOR HERE: https://wildpastures.com/promos/save-20-for-life/bonus15?oid=6&affid=321 Save 20% and get $15 off your FIRST order! Support your local farms and stay healthy! HELP SUPPORT US AS WE DOCUMENT HISTORY HERE: https://gogetfunding.com/help-wam-cover-history/ GET AN EXTENDED FREE TRIAL FOR ICKONIC WHEN YOU SIGN UP HERE: https://www.ickonic.com/affiliate/josh10 BUY YOUR PRIVATE CLEARPHONE HERE: https://www.r1kln3trk.com/3PC4ZXC/F9D3HK/ LION ENERGY: Never Run Out Of Power! PREPARE NOW! https://www.r1kln3trk.com/3PC4ZXC/D2N14D/ GET VITAMINS AND SUPPLEMENTS FROM DR. ZELENKO HERE: https://zstacklife.com/?ref=WAM GET TIM'S FREE Portfolio Review HERE: https://bit.ly/redpilladvisor And become a client of Tim's at https://www.TheLibertyAdvisor.com STOCK UP ON STOREABLE FOODS HERE: http://wamsurvival.com/ OUR GOGETFUNDING CAMPAIGN: https://gogetfunding.com/help-keep-wam-alive/ OUR PODBEAN CHANNEL: https://worldaltmedia.podbean.com/ Find us on Vigilante TV HERE: https://vigilante.tv/c/world_alternative_media/videos?s=1 FIND US on Rokfin HERE: https://rokfin.com/worldalternativemedia FIND US on Gettr HERE: https://www.gettr.com/user/worldaltmedia See our EPICFUNDME HERE: https://epicfundme.com/251-world-alternative-media JOIN OUR NEWSLETTER HERE: https://www.iambanned.com/ JOIN our Telegram Group HERE: https://t.me/worldalternativemedia JOIN US on Rumble Here: https://rumble.com/c/c-312314 FIND WAM MERCHANDISE HERE: https://teespring.com/stores/world-alternative-media FIND OUR CoinTree page here: https://cointr.ee/joshsigurdson JOIN US on SubscribeStar here: https://www.subscribestar.com/world-alternative-media We will soon be doing subscriber only content! Follow us on Twitter here: https://twitter.com/WorldAltMedia Help keep independent media alive! Pledge here! Just a dollar a month can help us alive! https://www.patreon.com/user?u=2652072&ty=h&u=2652072 BITCOIN ADDRESS: 18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU World Alternative Media 2024
* Vocal cord troubles in Slava : An investigation into stimuli such as chocolate, coffee beans, and temperature.* Exploration of Dell's 6K monitor, its advantages and drawbacks, and comparison to Apple products.* Examination of monitor specifications including DPI and aspect ratios, with a focus on their impact on gaming.* Highlight on LG OLED TV Models - 77, 83, and 90+ inches variants.* Presentation of 'OpenInteract,' a project simplifying laptop features accessibility via LLM.* Introduction to the 'Cru UI,' a personal assistant using 'Mistral 7 billion' parameters and operating on local LLM.* Appreciation of the 'Embeddings' feature in Cru UI, enabling smart cloud and local LLM hierarchies.* Detailed conversation on developer responsibility, AI use in the Israeli defense force and the vital role of accountability.* Conversations around AI responsibility and myths about developers' sole liability for AI errors.* Examination of 'Responsible AI,' the hurdles it faces and possible consequences of indolence in AI learning.* Correlating developer accountability in AI execution to practical scenarios while considering the ethical aspects.* Comparison of regulation in industries to AI, evaluating AI system trust & reliability* A case for human supervision in AI-powered systems and a glance at the mystery of AI mechanisms.* Ethical dilemmas and hypothetical challenges associated with self-driving cars.* Referenced Book - "Blindsight": A comparison between AI and human thought processes.* Delving into societal impacts of AI deployment, inspired by TV show scenarios and real-life instances.* Discussion on secretive and disclosure strategies of intelligence agencies such as the CIA and their connections to AI.* Insights into the CIA-KGB relations.* Discussion on the enhancement of public trust following CIA Leaks.* A deep-dive, based on "PsyHawks" YouTube video, into men's rights and disgruntled marriages.* Study on relationship value transitions from the third to the fourth decade.* Investigation of companion selection trends among single women and the transformation of dating dynamics(strategies like "dating up" and "dating down").* Revolutionary findings about radical feminists' alteration in viewpoints.* The Leonardo DiCaprio case - an evidence in relationship dynamics.* Comparison of ideologies in twenties and fifties - liberal versus conservative outlooks.* Humorous discussion on wealth redistribution.Join the conversation on our [Discord](https://discord.gg/T38WpgkHGQ).
In this episode, we sit down with author Noel A. Carmack, discussing his illuminating article from the Winter 2023 issue of Dialogue: A Journal of Mormon Thought. Join us as we unravel the complexities of… The post Correlating Orthodoxy and Style: A Conversation with Noel A. Carmack appeared first on Dialogue Journal.
“HR Heretics†| How CPOs, CHROs, Founders, and Boards Build High Performing Companies
In this episode Kelli Dragovich and Nolan Church talk with Elizabeth Patterson, Partner (People & Talent) at Sapphire Ventures. The conversation is all about how to find the best CPO roles, how VC talent partners actually work, and what it's like engaging with portfolio companies and execs. Lots of insider info. Elizabeth manages Sapphire Venture's human capital network, including the Sapphire Fellows program.HR Heretics is part of the Turpentine podcast network. Learn more at turpentine.coThis episode is brought to you by AttioAttio is the next generation of CRM. It's powerful, flexible and easily configures to the unique way your startup runs, whatever your go-to-market motion. The next era deserves a better CRM. Join OpenAI, Replicate, ElevenLabs and more at https://bit.ly/AttioHRHereticsKEEP UP WITH ELIZABETH,NOLAN, + KELLI ON LINKEDIN- Elizabeth: https://www.linkedin.com/in/elizabetharnsdorfpatterson/Nolan: https://www.linkedin.com/in/nolan-church/Kelli: https://www.linkedin.com/in/kellidragovich/TIMESTAMPS:(00:00) Preview(03:17) Stories(08:08) Navigating the Venture Capital World(11:00) The Gotchas and Ahas of Finding the Best Opportunity into Venture Capital(13:50) How Success is Measured(16:00) Sponsor - Attio(17:11) How to Find the Best CPO Roles(22:56) The Relationship Between Talent Partners and Executive Recruiters(27:24) Correlating the Business with Cultural Fit and Vibe in Recruitment(31:28) Back Channels in Recruitment(35:49) Executive Compensation on Recruitment (40:18) How Photographic Memory Helps in Recruitment(45:53) Elizabeth's Favorite Interview Question(48:02) Qualities of a Great Leader This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit hrheretics.substack.com
That's right... Pastor Steve is tackling UFOs! This fascinating sermon empowers the body of Christ on issues of aliens and spiritual dimensions. Correlating data from Scripture and documented incidents, we acquire a Biblical worldview for this modern mystery. Could Aliens be the Nephilim? Might the Nephilim still inhabit the Earth? Tune in now. | Watch Pastor Steve's Sermons at TheRoad.org/Sermons and read his blog at SteveHoltOnline.org
Welcome to the very first episode of Office Hours! I'm thrilled to be joined by my amazing mom, Linda Sorkin. Today, we're diving deep into the world of New Year resolutions, goals, and the unique journey of setting intentions and goals in your 20s. But first, let me ask you: When it comes to New Year resolutions, do you ever feel like you're setting yourself up for stress rather than success? Well, you're not alone. Syllabus Steps: Reflecting on the rollercoaster of emotions when setting resolutions and goals in your 20s. Unpacking the number one reason many individuals in their 20s struggle to meet their New Year goals. Exploring how embracing intention can transform your approach to goal-setting. Practical strategies for incorporating intention into your daily life. Breaking down steps for setting goals that resonate with the unique experiences and circumstances of your 20s. Correlating goals with your personal journey from where you came from to where you are now, in order to get to where you want to be! Summarizing actionable steps and approaches tailored for those navigating their 20s. Encouraging a holistic perspective on goal setting to ensure 2024 is your best year yet. Remember, regardless of what goes down in 2024, you've got this. Feel free to share your thoughts, experiences, or questions with us on @regardlessthepod - we can't wait to hear from you! Your questions will be featured and answered during our Office Hours at the end of every month. Let's make this a collaborative and insightful journey together!
BUFFALO, NY- December 6, 2023 – A new #researchpaper was #published in Oncotarget's Volume 14 on December 1, 2023, entitled, “Plasma levels of BCMA-positive extracellular vesicles correlate to response and side effects in myeloma patients treated with belantamab-mafodotin.” In myeloma patients, high levels of soluble B-cell maturation antigen (sBCMA) can limit the efficacy of BCMA-directed therapies. Belantamab-mafodotin is a BCMA antibody-drug conjugate and shows good overall response rates in heavily pretreated patients, but progression-free survival data are poor. In this new study, researchers Carsten Springer, Jürgen Krauter and Arne Trummer, from Städtisches Klinikum Braunschweig and Heidekreis-Klinikum in Germany, investigated whether sBCMA in blood plasma includes extracellular vesicles (EV) carrying BCMA or other myeloma antigens and if these BCMA-EV levels show a significant change during therapy with belantamab-mafodotin. “As the drug induces apoptosis, we hypothesized that sBCMA includes extracellular vesicles (EV) and thus evaluated numbers of BCMA-EV before and during belantamab therapy in 10 myeloma patients.” BCMA-EV were significantly higher in patients prior to Belantamab (median: 3227/μl; p = .013) than in other myeloma patients before therapy (n = 10; 1082/μl) or healthy volunteers (n = 10; 980/μl). During therapy, BCMA-EV showed a significant increase to a maximum of 8292/μl (p = .028). Maximal changes in BCMA-EV (Δmax = BCMA-EV at C1/maximal BCMA-EV) showed a strong inverse, logarithmic correlation (r = −.950; p < .001) with FLC ratio changes (Δmax = FLC ratio at C1/minimal FLC ratio) and BCMA-EV peaks often preceded FLC progression. Correlating increase of LDH and BCMA-EV levels, together with clinical symptoms, point to a mafodotin-induced eryptosis. In summary, BCMA-EV are a part of sBCMA, peak levels precede progression, and their measurement might be helpful in identifying resistance mechanisms and side effects of BCMA-targeted therapies. “To the best of our knowledge, we demonstrate for the first time that BCMA-positive extracellular vesicles can be found in blood plasma from myeloma patients and that BCMA expression on EV is 10 to 100 times higher than that of other well-known antigens of myeloma cells.” DOI - https://doi.org/10.18632/oncotarget.28538 Correspondence to - Arne Trummer - arne.trummer@heidekreis-klinikum.de Sign up for free Altmetric alerts about this article - https://oncotarget.altmetric.com/details/email_updates?id=10.18632%2Foncotarget.28538 Subscribe for free publication alerts from Oncotarget - https://www.oncotarget.com/subscribe/ Keywords - cancer, myeloma, b cell maturation antigen, extracellular vesicles, belantamab-mafodotin, eryptosis About Oncotarget Oncotarget (a primarily oncology-focused, peer-reviewed, open access journal) aims to maximize research impact through insightful peer-review; eliminate borders between specialties by linking different fields of oncology, cancer research and biomedical sciences; and foster application of basic and clinical science. To learn more about Oncotarget, please visit https://www.oncotarget.com and connect with us: SoundCloud - https://soundcloud.com/oncotarget Facebook - https://www.facebook.com/Oncotarget/ X - https://twitter.com/oncotarget Instagram - https://www.instagram.com/oncotargetjrnl/ YouTube - https://www.youtube.com/@OncotargetJournal LinkedIn - https://www.linkedin.com/company/oncotarget Pinterest - https://www.pinterest.com/oncotarget/ Reddit - https://www.reddit.com/user/Oncotarget/ Media Contact MEDIA@IMPACTJOURNALS.COM 18009220957
Richard looks at some of the former NY players who are making postseason runs with their new clubs. He also dives into the playoff landscape.
Traveling with kids can be a rewarding experience when approached with careful planning and the right strategies. Brian Kelly, also known as "The Points Guy," is a well-known figure in the world of travel, loyalty programs, and credit card rewards. He is the founder and former CEO of The Points Guy (thepointsguy.com), a popular website and media platform dedicated to helping travelers maximize their points and miles to enhance their travel experiences. He shares his insights into traveling with children, drawing from his experiences as a new and single father to his one-year-old son. =. He offers various travel tips, including using foreign frequent flyer programs for international travel and making use of airline policies for lap infants to save money. He reveals how European countries are often more accommodating and baby-friendly compared to the United States. He also shares the importance of selecting the right travel gear for children, such as strollers that fit well on airplanes, and strategies for dealing with airline personnel when bringing your gear on board.Tata's Tip of the week: Expose your child to new environmentsExposing your child to different environments, even if you live in a suburb, is essential for their development. Correlating the environment with new vocabulary and language skills can enhance their communication skills.Check out The Points Guy and follow @briankelly @thepointsguyFollow along for more @talkingwithtata and visit Talking with TataProduced by Haynow MediaSubscribe, leave a rating and share with friends if you liked this episode!
**Click here for Kate's groundbreaking ADHD Women's Wellbeing Hormone Series **If you've been recently diagnosed with ADHD and /or Autism, asking for reasonable adjustments at work is your right. Knowing what to ask for can feel challenging, especially if you're the first one to do so or your place of employment doesn't feel so neurodiverse-friendly yet. This week's episode hopes to offer you the insights to advocate for yourself and ask for what you need.This week's guest is Hester Grainger, a neurodiversity consultant, co-founder of Perfectly Autistic and Perfectly ADHD, a radio presenter and former TV presenter diagnosed with ADHD in her forties.Together with her husband Kelly, who is autistic and has ADHD, they run their neurodiversity consultancy, which works with organisations to raise awareness and acceptance of neurodiversity in the workplace and works with parents and education settings around autism and ADHD.Hester is also mum to her two children, who are autistic and have ADHD.On today's The ADHD Women's Wellbeing Podcast, Kate and Hester talk about:Navigating ADHD and autism in your family dynamic Being diagnosed as a parentHomeschooling ADHD and autistic children Reasonable adjustments in the workplaceMaking allowances for all at work, not just those who ask for itLive TV and radio offering the dopamine and adrenaline hit Correlating high-pressure industries to undiagnosed ADHDGut decisions vs impulsive decisions Speaking to your employer about ADHDSensory processing at workHandling negative attitudes toward neurodiversity at workHow your workplace can be more neurodiverse friendly How to look after our energy and be in burnout prevention mode**Click here for Kate's groundbreaking ADHD Women's Wellbeing Hormone Series **Kate Moryoussef is a women's ADHD Lifestyle & Wellbeing coach and EFT practitioner helping overwhelmed yet unfulfilled (many with ADHD like her) women find more calm, balance, health, compassion, creativity and clarity. Have a look at some of Kate's workshops and free resources here.Follow the podcast on Instagram hereFollow Kate on Instagram hereHave a read of Kate's articles in ADDitude magazine here
Get our newsletter free here or text “GRE” to 66866. Storing your money at a bank entails more risk than you think. Your deposit is a bank's liability. Banks must take risks with your money because they don't charge you fees. Banks used to have a 10:1 reserve ratio. As of March 2020, all reserve requirements are now eliminated. Rather than storing lots of money at the bank, borrow lots of money from the bank. US households own $41T of owner-occupied property—$29T in equity, $12T in debt. The national LTV ratio is 30%, historically low. That's 70% equity. Of the five ways real estate pays: one profit source is the market, two are from the tenant's job, and two come from the government. Many Millennials plan to rent forever. 63% have nothing saved for a down payment. The interest-rate lock in effect keeps constraining the available supply of homes. This forces more homebuilders to build. Last week, NBC Nightly News covered the rise of build-to-rent communities. Resources mentioned: Show Notes: www.GetRichEducation.com/455 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete episode transcript: Welcome to GRE! I'm your host, Keith Weinhold. Do you have any idea what banks do with your money? How home equity is like a bank, hot Millennial rental trends, and the proliferation of Build To Rent real estate, today on Get Rich Education! ___________ Welcome to GRE! From Glens Falls, NY to Klamath Falls, OR and across 188 nations worldwide, the voice of real estate investing since 2014. You're listening to Get Rich Education. I'm your host, Keith Weinhold. You did not wake up to be mediocre today. So we don't focus on long-term budgeting here. Correlating financial betterment chiefly with reducing your expenses is just a race to the bottom. You and your peers would just be racing to the bottom. We know that, instead, yes, arbitrage is created when you borrow low and invest high. But the ultimate arbitrage - which is the gap or that spread, is when your quality of life vastly exceeds your cost of living. That's that gap that you & I pry open ever wider together right here, every week. Savers lose wealth. Stock investors maintain wealth. REIs build wealth. Savers lose wealth because inflation makes holding onto a dollar like a block of ice melting in your hand. Retail stock investors only MAINTAIN wealth because their 9 to 10% long-term return is worn down to less than nothing with inflation, emotion, taxes, fees, and volatility. And real estate investors BUILD real, durable wealth. If you have a mentality of trading time for dollars, then you have a certain way of looking at your life. If you realize that your investing mission in your life is to build things that pay you to own them, then you have a different way of looking at life. The resources that you need to build those things are what we cultivate here on this show. You know something though, by the time that I bought my first rental property, I didn't have all of that figured out yet. It really wasn't until I bought my second property. It was also a fourplex, just like the first one. This second one cost $530,000. And check out how I bought it. I bought it with a 10% down payment, interest-only loan, and interest rate of 7⅝%. Yep, I took accumulated equity from my first four-plex and used it as a down payment on the second four plex. Now, that way, I essentially had zero money in the deal - which is an infinite return strategy - and both fourplexes cashflowed. Now, the interest-only loan on my second fourplex there… that gives some people pause. Why would I do that? That kept my monthly payment amount down - since I could pay only interest - and didn't have to pay principal. That turned a property with a small cash flow into a nice cash flow. Yeah, some people don't like interest-onlys because then the tenant isn't paying down your principal for you. I typically take interest-only loans because for every dollar that doesn't go into your illiquid principal as equity, instead, it becomes a dollar of liquid cash flow that goes into your pocket. In fact, changes are that the reason that you have fat equity in home right now is from market appreciation, not principal paydown. In fact, why don't I approach the classic GRE principle of “your return from home equity is always zero” from a new and novel angle here today. Gosh, this could make you hundreds of thousands or millions over your investor career. Imagine a bank. We'll call it a red bank. This bank is offering you zero rate of return, it's difficult for you to withdraw your money from it, and this red bank might not even let you withdraw your own money at all - it is at their discretion. How motivated are you to hold your money at that bank? Well, you aren't at all. Well, I just described equity that's locked inside properties… and that's why… your properties make terrible banks. Equity is the opposite of you being liquid. Instead, the GRE Way is leverage and arbitrage, but it needs to be supported by cash flow. So, we are not quite on an island here with our strategy, because we're still connected with the mainstream finance world - but we're, say, a peninsula then. And, like a peninsula, maybe, real estate keeps you insulated - though not completely disconnected from that more volatile stock and bond shuffle that most people are on - which provides little to zero leverage or cash flow. Do you know what that stock and bond shuffle is - that seesaw? Let's remind ourselves… that when money flees the stock market, it usually ends up in bonds. As demand for bonds goes UP, interest rates go DOWN. Then, as interest rates go down, investors go back to stocks in pursuit of yield, and everything reverses. It's an ebb and flow of funds which often provides you with zero real return. That's how that seesaw goes. So rather than get a part-time job, which is selling your time for dollars, get a few rental properties instead. Whether you manage them yourself or you manage the manager - like I do, I manage managers… you've got the income stream of a part-time job with an asset that appreciates at the same time. As time passes, the reason that you will feel satisfied is because you took strategic risk. Now, to stick to the bank analogy theme here, a lot of people still don't realize that when you take your money to the bank, you are a creditor of the bank, and the bank is now lending your money out. So, just think about what you're doing - well, you yourself probably aren't doing so much of this - you're probably a better than average investor since you're listening here. But think about those depositors that keep a lot of money at the bank. Yes, we know you're losing to inflation, but besides that, just think about what happens to your money this way. What about a parking garage and your car? OK, when you park your car at a valet, the valet is supposed to turn around and park it in a garage. The valet does not have the right to take your car and let an Uber driver go make money with it while you're off having dinner. And then maybe they'll give you the same make & model back at the end of the night… and they stick YOU with the risk of having a problem with your car - or your money. That's what banks are doing with your money when you park it there. It's like a valet letting an Uber driver use it and take risks with it without your knowledge. What isn't FDIC-insured is… at… risk. Well, what's the alternative to banks lending out the money that you deposited with them? Well, the alternative to the existing system is that banks, instead, could make money off of fees that they charge you. How is it that you avoid paying fees to your bank right now, like you are? I mean, afterall, banks have capital expenses, technology expenses, and employee expenses. If banks charge fees to you rather than profiting from the spread that they get on lending your money out, we could have a safer system. But most people like the allure of fee-free banking, partly because that's what they're used to. Banks used to have to hold onto a dollar for every $10 they had in deposits. That's also known as a 10:1 fractional reserve ratio. Well, the risks of parking your money at a bank went up in March of 2020. That's when the Fed just COMPLETELY eliminated reserve ratios for banks. Now, for every $10 they have in deposits, banks can hold zero dollars in reserve. Instead of parking your money at a bank, you do the opposite. You borrow from the bank, pay them their 7% interest and invest it in “Real Estate Pays Five Ways” property that beats 7%. Right there's… your arbitrage. Now you're using their money instead of them using your money - like the valet that you entrusted your car with that lent out your car to the Uber driver while you were at dinner. So outside of inflation, why is it risky to keep your money parked AT a bank - rather than borrowing from them. Because, as has often happened this year, banks implode. Why are they imploding? Well, just a couple years ago, when banks lent on mortgages at 3%, they're only collecting 3% for 30 years. What happens to the BANK when interest rates go up? No one wants to buy their 3% debt. The depositor (that's you, the customer) wants their money back - because they can go invest it for 5% elsewhere. That's a problem for the bank. And if the government does come in to give a bailout of your bank - we know by now that they're more likely to do it if it's a large bank, like Chase, Wells Fargo, or B of A. Well, more gov't bailouts of banks… means more money printing… which means more inflation, making our eventual problems even worse. So rather than keeping too much money at the bank, BEAT the bank. Now, earlier, I mentioned how having a glut of equity in your properties is like keeping your money in a rather illiquid bank. That is a germane point - a pertinent discussion to have right now, because take a look at this. This is America's equity position, right now. This is for the latest quarter ended. The Federal Reserve Flow of Funds report tells us that U.S. households owned $41 trillion in owner-occupied real estate. Alright, $41T is the value of that US residential property. Of that $41T, how much do you think is in debt, and how much is in equity? I'm just doing some rounding here. $12 trillion in debt and the remaining $29 trillion is in equity. Therefore, the national loan-to-value "LTV" right now is about 30%. That is historically quite low. Another way to say it is that America's primary residences have a 70% equity position today. Yes, 70% of the value of American homes is locked into that vehicle that's famously unsafe, illiquid, and always has an ROI of zero. Homeowners today have an average of $302,000 of equity in their homes. Now, as inefficient as that might sound from an opportunity cost perspective from homeowners. There is, at least, a little upside to your neighbors having a glut of equity even if you try to opportunistically hold a low equity position. This equity provides a cushion to withstand potential price declines, but also prevents any future housing distress from turning into a foreclosure situation. Those equity cushions around American neighborhoods help prevent the down… drain in prices that we saw from 2007 to 2009. I've got more for you coming shortly, including, has the Build-To-Rent concept that we've discussed on this show for years & years finally gone mainstream now that NBC news is discussing it? You'll hear that audio clip and get my commentary on it. But first, I want to ask you, is this the "Golden Age" of quality NEWSLETTERS or what? News WEBSITES are increasingly riddled with: paywalls, logins, banner ads, and pop-ups about cookies, the hassle of 2FA. Instead, a quality newsletter is just automatically “there” in your inbox. Our valuable Don't Quit Your Daydream newsletter is full of real estate investing industry trends and forecasts, broader economic forces that are going to affect you in the future & more. Get top investment property news in under 5 minutes. You can sign up and get the letter free now at GetRichEducation.com/Letter. In there, you get updates about what provider has inventory now - even exact physical addresses of properties. In fact, I've featured two of my own rental properties in the newsletter as I broke down their financials. Again, sign up at GetRichEducation.com/Letter I STILL write every single word of that letter myself. I don't think that a lot of founders do that. Upon signup, you'll receive some lay of the land e-mails, and thereafter, I only send it about weekly. Not daily. Alternatively, you can easily sign up for the letter by text. If you aren't yet one of many subscribers expanding your means with my letter, you can simply text “GRE” to 66866 for our DQYD Letter. It is free. Again, you can sign up by simply texting “GRE” to 66866. More next. I'm Keith Weinhold. You're listening to Get Rich Education. _____________ Welcome back. You're listening to Episode 455 of Get Rich Education. I'm your host, Keith Weinhold. Five weeks ago on the show, you'll remember that I reiterated why real estate does not pay 4 ways and does not pay 6 ways - it pays exactly five ways simultaneously. Sometimes, amid uncertainty - and note that there's ALWAYS - uncertainty. It never abates. People wondered when the Fed would stop hiking rates at a meeting. Now they did. People wondered when inflation would get down to 4 - now it has. But those that worry excessively will still point to something else that's uncertain. But in good times, bad times, and uncertain investing times, you might want to get more offensive. Other times, more defensive. Real estate is both. Of the 5 ways you're paid, appreciation and cash flow serve your offensive side. At the same time, your return on Amortization, Tax Benefits, and Inflation-Profiting all serve your defensive side. Now, let's go and look at the sources - the headwaters - the genesis. What are your 5 profit sources - for appreciation - it's the market. It's the vibrancy and diversity of the economic market that you bought in. That's where your appreciation emanates from. For the second way you're paid, cash flow, it's your tenant and your tenant's job. For the third way, your Return on Amortization - that ROA, that also comes from your tenant, since that pays your loan's Principal & Interest. The fourth way, tax benefits, that's the gov't. And the fifth way, your inflation-profiting, that also comes from the gov't. Yes, that's the source, the headwaters for each of the five ways you're paid and knowing that can help you be mindful about what to pay attention to in your investment real estate portfolio long-term. Yes, this is just with carefully-bought buy & hold real estate. Unlike most investments, if the value of your property goes down, you still get paid 4 ways. So to review the 5 Ways Real Estate Pays SOURCES - where your money actually originates, it's: Appreciation - from the market Cash flow - from the tenant ROA - tenant Tax Benefits - gov't And Inflation-Profiting - also from the gov't Now, here at GRE, when we focus on your tenant and where your tenant comes from, you know, one word that comes up an awful lot is Millennials. Why do we discuss Millennials so regularly? It's not because we're the first generation to embrace avocados or online dating over “in real life” dating or, it's the first generation to be raised in a world of participation trophies. Ha! It's because, not only are Millennials the largest generation in American history, but they are in their prime household formation years. Though there's a bit of dissension among demographers, many agree that Millennials were born between 1981 and 1996. That makes them Age 27 to 42 - they are prime household formation years. BTW, you probably know of the generation after that, Gen Z. They were born between 1997 and 2012, making Gen Z age 11 to 26. But do you know about the generation after that? That is Generation Alpha. They were born between 2012 and today, making Generation Alpha age 0 to 11. Well, the Millennial homeownership rate lags that of previous generations of people that were the same age. So this is why you have such a deep pool of people that's driving demand for your rentals. Millennials have the misfortune of being stung by back-to-back global crises. When they were coming of age in 2008, many couldn't get a job during the Global Financial Crisis. Then the pandemic disruption made getting their independence pretty bumpy. In fact, fully 18% of Millennials say that they plan to rent forever. Forever! That's up from 11% just five years ago. Not just a few, but the MAJORITY of Millennial Renters have zero down payment for house savings. 63% of them have absolutely nothing saved for a house. And in fact, another 14% have less than $5,000 saved - which is close to nothing. That is all according to a survey from Apartment List. More Millennials plan to rent forever. Now, I've done a fair bit of research on Generation Z real estate trends - again they're the age between 11 and 26. And there are a few more Gen Z homeowners than you might think already. But the short story on Gen Z, just isn't that compelling. To distill everything I've researched, most Gen Zers want to own a home but few can afford it. Well, no kidding. That's not a very novel takeaway, but that's the REAL story there. If Millennials are your current renters, then Gen Z are your current and future renters. Now, I've talked to you a good bit about the “interest rate lock-in” effect. So many homeowners have ultra-low mortgage rates that they don't want to sell their home, and when they don't put it on the market, that further constrains supply. Well, Redfin recently brought some new color to the interest-rate lock-in effect. They've shared some really interesting material with us. 92% of mortgage borrowers have an interest rate under 6%. 80% of them have an interest rate below 5%. 62% of these people have an interest rate below 4%. And a quarter have a rate below 3%. New listings of homes for sale and the total number of listings have both dropped to their lowest level on record for this time of year… and that is fueling homebuyer competition in some markets and preventing home prices from falling. In fact, Redfin tells us that the national ASKING price for homes is the same that it was one year ago. Sale prices increased most in these 5 metro areas. Cincinnati leading the way at (9.2%). We've got cash-flowing Cincinnati property at GRE Marketplace. Miami (8%) not really a cash flow market there. Third-best is Milwaukee (8%), rounded out by Fort Lauderdale, FL (6%) and Virginia Beach, VA (5%). They are the 5 metros with the highest appreciation. Current months of national housing supply is still just 2.6 months - scarce inventory. 6 months is a balance market. Homes that sold were on the market for a median of 28 days. That is the shortest span since September. There's a bit of a seasonal factor there though. Now, when we talk about the paltry supply of homes since existing homeowners don't want to lose their low rate, it's forced more homebuilders to build - in order to make some inventory available. It's made a good opportunity for you to buy these homes that are built for renters from Day 1, and rent it to a tenant yourself. Now, I know that your life is more interesting than watching the NBC Nightly News with Lester Holt and then dozing off to sleep at 9:30 PM (ha!), so in case you didn't catch it, here it is on “Build-To-Rent” last week. It really takes the perspective of the RENTER and why they want to pay your rent to stay in a Build-To-Rent home… longer than they do for an apartment. This is about 2 minutes long & I'll be back to comment. BTR on NBC News: https://youtu.be/BXwTerRQWNo?t=954 Yes, that's the popularity of build-to-rent homes. Something that we've been discussing here at GRE, for, gosh, maybe 8 years now. Like they said there, rents are on the rise. But they're not rising nearly as fast as they were 1 and 2 years ago. Rent growth has slowed for both SFHs and apartments. I think that the assurance for prospective income property owners like you is that in your Build-To-Rent properties, you can have a reasonable expectation of high occupancy and low vacancy as long as you buy your SFRs in a decent market. And see, more often than not, a builder is only going to build new, rental single-family homes if there are plentiful jobs nearby to support that. So you can kind of crowdsource the due diligence that the builder did on what's demographically and economically feasible if you choose to add these property types. Despite the build-to-rent properties added, today, America only has half as many homes available as 2019. Compared to just a year ago, there are 5% fewer available properties today. But, we've got available Build-To-Rent and existing income property here at GRE Marketplace. Yes, just create one login, one time, and get access to all national providers at GRE Marketplace.com. But say you want a little help, a little coaching. Say perhaps you haven't bought property before, or you haven't bought one in a while, or you haven't bought property across state lines yet - since that's where the best deals usually are - or you just want to lean on a coach to bounce ideas off of as you're looking for your next investment property. Well, in that case, you can rely on our free coaching service. That's at GREmarketplace.com/Coach Our coaches don't blow the whistle at you for missing a play. You'll never find them as grumpy as, say, New England Patriots' Coach Bill Belichick. They're not that kind of coach. It's not the kind of coach that will ask you to start your morning with an ice bath. And if you're new to real estate, there's no such thing as a stupid question with GRE Investment Coaches. No penalty flags are thrown. To find that property that builds your residual income and pays you five ways, you can choose which coach you want to have help you. Coaching is a completely free service to you. What they do is... Learn your goals Find you the best off-market deals nationwide Find the property provider with incentives. (One provider recently offered 4.75% interest rates, another free PM for one year.) Help write your offer if you would like that Submit earnest money Navigate the inspection Interpret your appraisal Check your management agreement And just ensure a smooth closing day for you Your Investment Coach can do more than this. If you prefer, they can do less than this. GRE Marketplace is where the coaches source the properties. It is more like an organic farmers' market than a big box store. Property offerings change frequently. Because there are limited slots available to talk with them through phone or Zoom, it helps if you've got your down payment and are ready to go. Sheesh. If it were any easier, they'd even make your down payment for you. Did I mention that it's completely free? To get started, choose your coach and book a time. Start at GREmarketplace.com/Coach Until next week, I'm your host, Keith Weinhold. DQYD!
Mike starts off with a quick recap of the Derrick White tip in play and all the unlikely circumstances that allowed that play to happen. Then he breaks down the Game 7 lines using some key points of gambling strategy. He gives best bets while explaining how the spread and total numbers can be correlated, how to attack to prop market using indicators from the game market, and how to consider exposure when hedging specific bets. Finally, he previews his anticipated approach to Game 1 of the Finals dependent on who the G7 winner is.Follow @MFiddle14 on Twitter and make sure to subscribe to our show so you never miss an episode!PropUp on ThriveFantasy this NBA season! Use code ETHOS at signup for a 100% deposit match bonus and win big cash by simply flexing DFS prop knowledge on the biggest names on the board!Manscaped is BACK, baby! Just like the NBA! Use coupon code HOOPBALL20 to get 20% off and free shipping on your purchase at Manscaped.com!Want more codes? We got 'em! ExpressVPN is offering 3 BONUS months on every 12-month membership purchase by using this special link: https://www.expressvpn.com/hoopball
Bret and Matt are joined by Chad Crowell of KubeSkills to walk through how you can contribute to Kubernetes open source. Chad started the kubeskills.com community and podcast to focus on learning Kubernetes by doing and in this episode, he's taking us through a detailed guide on how to get involved in the Kubernetes community.Although Kubernetes and other CNCF projects may seem big and complex with tons of activity, Chad helps us understand how the maturity of the projects and the community make it a much more pleasant onboarding experience for first-time contributors. We go through a wide range of resources and steps to help your first issue or pull request go smoothly.Live recording of this show from March 9, 2023 is on YouTube (Ep. #206).★Topics★Learning K8s by Open Source PDF slidesFirst Timers Only websiteK8s Contributor Community HomepageList of K8s SIGsK8s SlackOpen Sauced websiteK8s Contributors onboarding courseKube Cuddle podcast with Joe BedaLearning K8s Skills Support this show and get exclusive benefits on Patreon, YouTube, or bretfisher.com!★Join my Community★New live course on CI automation and gitops deploymentsBest coupons for my Docker and Kubernetes coursesChat with us and fellow students on our Discord Server DevOps FansGrab some merch at Bret's Loot BoxHomepage bretfisher.comCreators & Guests Bret Fisher - Host Cristi Cotovan - Editor Beth Fisher - Producer Matt Williams - Host Chad M. Crowell - Guest (00:00) - Intro (02:45) - Chad's Book (05:11) - Learning platforms (05:37) - Another way to learn (06:44) - SIGs (07:47) - Community or Contributor Experience SIG (10:06) - Volunteers (11:27) - For those who want to start contributing (13:50) - The different tags (14:48) - Good first issues (16:01) - Bret's first Docker fix (16:50) - Who determines the first issues? (18:37) - OpenSauced (19:16) - Finding the next steps after learning (19:59) - Dashboard to track contributions (20:42) - A very friendly community (22:30) - Who's paying for OpenSauced? (23:06) - How to build your rep on the internet (24:57) - Github Flow, Breaking it down (27:24) - Eddie Hub (28:10) - Assign yourself to the issue (28:50) - Compile Kubernetes (30:14) - Tracking the pull request lifecycle (31:44) - Changing the k8s reference issue (35:17) - Kubernetes Slack Channels (35:59) - SIG mailing lists (36:44) - Getting feedback before you do the work (38:18) - How do you give up and issue? (39:53) - Correlating issues with Slack (40:28) - Start with an issue first (41:24) - Random PRs don't go well (43:00) - Onboarding course (44:11) - Cheat sheet (44:26) - What Chad has learned from contributing (46:09) - Online resources (48:48) - Certifications and exams (50:46) - Matt's comment about a podcast (52:48) - Wrap up
BELTANE - MAY DAY / WITCH'S NIGHT - Wheel of the Year Series 2023 Spellbound The 2023 Wheel of the Year Cycle continues with Beltane, also known as May Day or Walpurgisnacht in some traditions. For many Pagans, this marks the return of The Green Man – a lusty and puckish side of The God. This Cross-Quarter Day is a popular Fire Festival ushering in the deep heart of Spring, and for some places, Summer. Falling on April 30th/May 1st each year, the date of Beltane marks the halfway point of the Spring season in the Northern Hemisphere. Lusty, mischievous, and playful, the spirit of Beltane is light-hearted but serious about fun. Marked by massive bonfires, maypoles and "greenwood marriages" that only lasted a year and a day (or one long lovely night), Beltane is a holiday focused on celebrating the fecundity and power in the exchange of energy and passion between humans. But the work isn't done after one night! We'll take a look at what we can expect for the coming 6-8 weeks of each season, learn how you can observe this time of change for yourself or with your community, and get ready to Do The Work. Topics covered in the lecture, generally: * A look at the history of the holiday from a modern Pagan/Witch/Magickian standpoint * Comparison of concurrent holidays in other religions and traditions, with a heavy emphasis on myths, deities, archetypal themes, and symbolism * The significant astrology of the season, especially lunar * Your astrological sign, and the season, archetypes, and holidays connected to it * Astronomical and geological events concurrent with the season As well, we'll discuss ways to bring this information into your personal spiritual practice, including: * Suggestions for creating an altar * Common and traditional forms and methods of observance * Meditations for ritual use * Correlating herbs, crystals, tarot, colors, foods, crafts, prayers, and more Grab a friend, a journal or some art supplies, maybe make a pot of tea and a snack, and settle in. I also encourage folks to create sacred space for themselves by lighting a candle and/or some incense. You might also include magical tools like Tarot and your natal chart. (Or just put this on in the background while you make dinner, fold laundry, or work on a project. Make it right for you.) Folks who want more can download the Beltane 2023 workbook for $7! Folks who would really like to dig in can subscribe to my Patreon at the Venus level or higher get access to a workbook and 7-8 week calendar, a copy of this video and tons more. This livestream is free for all beings, thanks to the support of my Patrons and year-long students! Subscribe here: https://www.patreon.com/MeaganAngus For more information head to my site: https://www.meaganangus.com/beltane/ Send tips to my Venmo: @Meagan-Angus. Please mention the class you are donating for! Click that subscribe button to get alerts when new podcasts are announced! So many ephemeral and holographic thank you's to my Patrons, who make this possible! So many juicy, crunchy, and sparkly thank you's to my Patrons, who make this possible! #Beltane #PaganHolidays #WheelOfTheYear #WitchesNight #Walpurgisnacht #Floralia #MayDay #Spring #SeeYouInClassWitch --- Send in a voice message: https://podcasters.spotify.com/pod/show/meagan-angus/message
Exotheology expert and author of The Bible and Flying Saucers Reverend Barry Downing, PhD beams in to talk about the influence of extraterrestrials on Christianity — and his appearance on History's Ancient Aliens — on episode 104 of the Far Out with Faust podcast.If you've been wondering about whether some of the stories told in the Bible have their roots in ancient extraterrestrial contact, this is the show for you. Faust and Dr. Barry dive right into the question of how souls arrive on Earth, and how it relates to UFOs in the story of Genesis. The two discuss several Biblical legends that may in fact trace back to ET experiences.Listen in to Reverend Barry's deep store of Biblical knowledge, and hear his personal tale of what it's been like to be a church pastor and an ET believer at the same time. Stick around till then end, when Dr. Barry shares his bit of coded wisdom for humanity.Barry H. Downing is Pastor Emeritus of Northminster Presbyterian Church, Endwell, NY.He earned a bachelor's degree in physics from Hartwick College, a divinity degree from Princeton Theological Seminary, and a Ph.D. degree in science and religion from the University of Edinburgh, Scotland.He published The Bible and Flying Saucers in 1968, which was reprinted several times in Europe and the United States (and updated in both 1997 and 2019). He has argued that events like the parting of the Red Sea and the resurrection of Jesus are UFO related events.His new book, Biblical UFO Revelations, expands on these issues, both in terms of the response of religious groups to these issues, and the way a scientific world view reflects on the evidence.Downing is listed in Who's Who in Theology and Science,has been a consultant in theology to the Mutual UFO Network (MUFON) since 1972, and has appeared in several of the History Channel series “Ancient Aliens.”Buy Reverend Barry's books on AmazonThe Bible and Flying Saucers https://a.co/d/dF9xs4HBiblical UFO Revelations https://a.co/d/3iJ3V8NConnect with Reverend Barryhttps://thebibleandflyingsaucers.com/0:00 - Reverend Barry H. Downing Podcast00:48 - Introducing Rev Barry Downing03:09 - Diving into Downing's book and tracing back to biblical origin of UFO phenomenon, how souls get here and the continuance of life on earth16:36 - Gene editing and the mysteries and overlooked misconception of human evolution and Genesis28:05 - Correlating biblical story miracles with UFO phenomenon40:06 - How ET's aka “god” / “holy energy” sent messages and organized religion through biblical dreams46:40 - Readjustment period of religion, expanding the cosmic picture and uniting opposing parties54:52 - Downing's journey of learning and collecting information and biggest differences which currently shapes his beliefs today1:12:56 - Words of wisdom to the world from Downing#Podcast #Aliens #AncientHistory #Theology #AncientAliens
Alternative history expert, Conspiracy Realist, writer and data analyst, Brandon Kroll beams in to discuss the power and influence of the Vatican to shape world events, the true story of the Civil War, and the influence secret societies have had throughout history on episode 99 of the Far Out with Faust podcast.We're diving into “what really happened” — on a massive scale — in this episode with writer and researcher Brandon Kroll. Faust and Brandon are tackling some seriously major periods in history:-What role did Mary Magdalene really play in the life of Jesus, and why is the truth concealed?-Why was the Vatican involved in the assassination of Abraham Lincoln?-Why don't the history books reveal the real story of John Wilkes Booth?-What hidden dynamics, including the elites, the Church and England, led to the Civil War?-Are the conspiracy theories about Lincoln being a tyrant true?-Why are the Jesuits such a dominating (and often disdained) force in the Catholic church?-How did the Rothschilds come to power?-How did secret societies, including the Freemasons, the Illuminati, the Zionists and Satanists evolve?-What was the relationship between American industrialists like Henry Ford and the Third Reich, including IG Farben and Hitler himself?-How are the Freemasons and the Zionists related, and where does the Talmud fit in?-How did the IRS form?Connect with BrandonInstagram: https://instagram.com/brandonlkroll_krollology_1010:00 - Brandon Kroll Podcast1:25 - Introducing Brandon Kroll2:55 - Brandon's alternative educational background5:56 - Brandon's unique political and religious belief systems8:47 - Demonization of Mary Magdalene and female presence in religion12:17 - Civil War, slavery & why Rome is involved in the assassination of Lincoln17:42 - How elitists leaned towards the south25:29 - Conspiracies of Lincoln being a tyrant or racist28:50 - The force behind heavy assassinations 33:56 - Connecting the dots with the Catholic Church39:45 - Rome, the Vatican & Lincoln's death49:59 - Jesuits and those against the Catholic Church53:55 - How the Rothschild came into power59:41 - The classified clubs of Illuminati, Zionism, Satanism & more1:02:47 - WW2 talk: secrets with Hitler & Henry Ford1:06:04 - Correlating the Rothschilds, Zionists & the Illuminati1:09:25 - Hacking into freemasonry, zionism and what the talmud and communion really means1:17:17 - The forming of the IRS and the deeper reason why Germans became Nazis#Podcast #SecretSociety #Vatican #AlternateHistory #FarOutWithFaust
OSTARA - SPRING EQUINOX - Wheel of the Year Series 2023 Into The Light Uncover the deep history of this grand resurrection festival honoring the returning life of the Awakening Earth and the Increasing Sun, witnessed in religions and cultures all over the world. For Pagans, this marks the return of The Maiden - a playful and curious side of The Goddess. The Spring Equinox has been used to mark the great eras of time, and marks the halfway point to Summer Solstice, the apex of the Sun's powers. And the growing light matches our increasing enthusiasm! Learn how to gently wake up from Winter's Sleep and prepare yourself for the action and transformations this season will require from us. Discover how best to harmonize with this work for yourself and your community! Many Pagans align rites of passage to this holiday season, honoring those who have hit a certain age or responsibility level, reached puberty, reached menopause, or other forms of maturation. But the work isn't done after one night! We'll take a look at what we can expect for the coming 6-8 weeks of each season, learn how you can observe this time of change for yourself or with your community, and get ready to Do The Work. Topics covered in the lecture, generally: * A look at the history of the holiday from a modern Pagan/Witch/Magickian standpoint * Comparison of concurrent holidays in other religions and traditions, with a heavy emphasis on myths, deities, archetypal themes, and symbolism * The significant astrology of the season, especially lunar * Your astrological sign, and the season, archetypes, and holidays connected to it * Astronomical and geological events concurrent with the season As well, we'll discuss ways to bring this information into your personal spiritual practice, including: * Suggestions for creating an altar * Common and traditional forms and methods of observance * Meditations for ritual use * Correlating herbs, crystals, tarot, colors, foods, crafts, prayers, and more Grab a friend, a journal or some art supplies, maybe make a pot of tea and a snack, and settle in. I also encourage folks to create sacred space for themselves by lighting a candle and/or some incense. You might also include magical tools like Tarot and your natal chart. (Or just put this on in the background while you make dinner, fold laundry, or work on a project. Make it right for you.) Folks who would really like to dig in can * Check out my extended Ostara writings on my site * Subscribe to my Patreon at the Venus level ($9) or higher get access to a workbook and 7-8 week calendar, a copy of this video and tons more. This livestream is free for all beings, thanks to the support of my Patrons and year-long students! Send tips to my Venmo: @Meagan-Angus. Please mention the class you are donating for! Click that subscribe button to get alerts when new videos are announced! So many ephemeral and holographic thank you's to my Patrons, who make this possible! #Ostara #PaganHolidays #WheelOfTheYear #SpringEquinox #Eostre #Easter #Holi #Spring #SeeYouInClassWitch --- Send in a voice message: https://podcasters.spotify.com/pod/show/meagan-angus/message
Revolutionizing Observability with New Relic In this episode, Daniel explains a new strategy towards observability aimed at contextualizing large volumes of data to make it easier for users to identify the root cause of problems with their systems. Daniel Kim is a Principal Developer Relations Engineer at New Relic and the founder of Bit Project, a 501(c)(3) nonprofit dedicated to making tech accessible to under-served communities. His job is basically to get developers excited about Observability, and he hopes to inspire students to maximize their potential in tech through inclusive, accessible developer education. He is passionate about diversity and inclusion in tech, good food, and dad jokes. Show Notes First, it is important to differentiate between monitoring and observability. Monitoring is basically when a code is instrumented to send data to a backend, to give answers to preconceived questions. With Observability, the goal is to monitor your system so as to later ask questions that were not in mind during the instrumentation of the system. Hence, if something new comes up you can find the root cause without modifying the code. There are so many levels of things to check when troubleshooting to find the cause of a problem, and this is where observability comes in. There are different use cases for logs, metrics, and traces; Logs are files that record events, warnings, or errors however logs are ephemeral which means there is increased risk of losing a lot of data. A system needs to be in place to move logs to a central source. Another issue with logs is that it is poorly structured data. Logs are good to have as the last step of observability. Metrics and traces can however help to narrow down where to search in the logs to solve an issue. Metrics are measurements that reflect the performance or health of your applications. They give an overview of how the systems are doing but tend to not be very specific in finding the root cause of a problem; other forms of data have to be adopted to get a clear picture. This is where Traces come in. Traces are pieces of data that track a request as it goes through the system. Because of this, they can identify the root cause of an error or bottlenecks slowing down the system. However, they are very expensive and as such sampling is used when tracing but this reduces the accuracy of traces. Correlating information from logs, metrics, and traces gives a full clear picture for debugging to be carried out successfully. A lot of New Relic customers strive to get more pieces of data to get errors faster. To balance the right data at the right time with the right cost, the first step when collecting large amounts of data is to find out how your organization is leveraging the data. A quick audit of the data to identify useful data is helpful. This can be done monthly or quarterly. Unstructured logs are difficult to aggregate In the cloud native space, being able to be compatible with as many people as possible will determine the winners because there are many projects people use in production. Projects that are compatible with many other projects are the way forward. APM is still very useful to understand application performance and in the future, data from all sources will be correlated to figure out the cause of a problem. Getting value very early from the system involves having a solid infrastructure and installing APM. The real power of full stack observability is getting data from different parts of your stack so you can diagnose what part of your system is going wrong. Leveraging AI to make sense of large amounts of data for engineers is going to be a huge plus. A lot of vendors claim that their alert systems will automatically generate all alerts for you but this is not true because they would not know your team's needs. It is ultimately up to your team to set up alerts that create an observability strategy. Those who invest time into setting this up get the most ROI from New Relic. Engineers need to figure out what metrics are important to them. About New Relic One: This was made to be a singular observability platform where people can correlate various pieces of data to get more context making the work easy for engineers. The goal was to help engineers to find the information they need as fast as possible, especially during a crisis. This kind of third-party solution is much more applicable for processing millions of logs or larger data, compared to native tools. It also provides a large amount of expertise around observability and curated experiences around machine-generated data. The future seems to have customers tilting towards open-source observability solutions. OpenTelemetry is one example of this, as it brings together all observability offerings in open source in a whole stack observability experience. Visit the New Relic website to learn more about it. To learn more about ways to use New Relic, check out the New Relic Blogs. Top Quotes
On this week's episode of Keeping Kids Safe, Karen and Megan are joined by Donna Fishman, the Director of the National Center for Children's Vision and Eye Health at Prevent Blindness. Correlating to the holiday season, December has been declared National Toy Safety Month—is it safe for kids to play with Nerf guns or other toys with projectile components? Alarmingly, eye injuries are the most common cause of vision loss in children under the age of five. What can you do, as a parent, to ensure your children have a happy—and safe—holiday?
Sometimes lab values help explain why you are experiencing symptoms. But sometimes you will have lab values out of range that DON'T correlate with any symptoms. And sometimes you will have symptoms DESPITE optimal lab ranges. What does all that mean?! In this episode, we are breaking it all down - and why we need to take ALL of it into account when determining how to best help you feel your best. For full show notes, click here.Did you know my practice is entirely virtual? You don't have to live near me to get help with fatigue, stubborn weight, hypertension, prediabetes or more?Schedule a free call Free Metabolic Mastery ManualFree Facebook Community
Designed to help DFS enthusiasts reflect on the previous week as they evaluate their play, host BFritz12 examines several topics in this weeks pod: - A critical piece of effective DFS process assessment. - Correlating your "portfolio" of lineups across slates (fun AND +EV!). - Eat good chalk at RB. Your bankroll will thank you.
Welcome to this episode of 20/20 Money! Today, I talk about the importance of understanding your savings rate and how that relates to the overall owner income that the practice produces. We'll also tie this into the long-term planning implications of NOT knowing and understanding your savings rate and how lifestyle creep can be silent headwinds as you work towards making work optional. As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our newsletter and you can also set up a 20-30min Triage conversation to learn a little bit more about how we help OD practice owners around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions to help them live their best life on purpose or check out any number of additional free resources like our eBooks, blog posts, and on-demand webinars. 4 Levers in Retirement Backdoor Roth IRA Hierarchy of savings for optometrist SECO 20/20 Money Community Information Follow us on Instagram: https://www.instagram.com/2020moneypod/ ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Podcasts Stitcher ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!
In this episode I am once again joined by Daniel Ingram, independent Buddhist writer, author of ‘Mastering the Core Teachings of the Buddha', and co-founder of the Emergent Phenomenology Research Consortium (EPRC). Daniel recounts his history with the obscure but powerful fire kasina technique, which uses a candle flame to enter into advanced states of meditative concentration. Daniel shares his successes and failures, encounters with occultists and meditation masters, and investigations into ancient texts. Daniel reveals the many uses of the powerful concentration that can be developed using fire meditation, discusses his own experiences of psychic powers and out of body experiences, and considers the risks of mental illness when dabbling in esoteric realms. At the time of recording, Daniel had just returned from a three week intensive private fire kasina meditation retreat, and he also gives a detailed practice report from his meditative seclusion, as well as practical advice for those who wish to explore this technique for themselves. … Video version: https://www.guruviking.com/podcast/ep166-fire-kasina-mystic-daniel-ingram Also available on Youtube, iTunes, & Spotify – search ‘Guru Viking Podcast'. … Topics Include: 00:00 - Intro 01:10 - Daniel's history with the fire kasina technique 06:23 - Bhante Gunaratana 07:03 - Honeybunny the ceremonial magician 09:08 - Retreats at Gaia house and first out of body experience 12:15 - Breakthrough retreat 17:36 - Correlating fire kasina experiences with Daniel's insight levels 19:43 - What age is best for peak meditation attainment? 25:50 - Ceremonial magic path to high concentration 27:25 - Crowley's Book Four 28:00 - Concentration vs liberation 29:44 - A powerful experience on retreat 32:22 - Various applications of fire kasina 34:42 - Safety warning 36:55 - Experiences of OBE's and the powers 43:09 - Divine eye and divine ear experiences 46:54 - Psychic powers or a daydream? 50:30 - Dangers of the powers 52:15 - Daniel's guide for group retreats 01:02:14 - Practice dose advice and ideal retreat duration 01:09:10 - Aftershock and afterglow 01:19:15 - Intention, summoning entities, and retreat goals 01:29:32 - Mania, psychosis, and the clinical view 01:35:07 - Daniel's report from his recent intensive fire kasina retreat 01:51:19 - Kripal's flip and coping mechanisms … Daniel Ingram Episode Playlist - https://www.youtube.com/playlist?list=PLlkzlKFgdkny_MJSecHyvKHPpvxTskBAC To find out more about Daniel, visit: - https://theeprc.org/ - integrateddaniel.info - https://firekasina.org … For more interviews, videos, and more visit: - www.guruviking.com … Music ‘Deva Dasi' by Steve James x
In this episode I am once again joined by Daniel Ingram, independent Buddhist writer, author of ‘Mastering the Core Teachings of the Buddha', and co-founder of the Emergent Phenomenology Research Consortium (EPRC). Daniel recounts his history with the obscure but powerful fire kasina technique, which uses a candle flame to enter into advanced states of meditative concentration. Daniel shares his successes and failures, encounters with occultists and meditation masters, and investigations into ancient texts. Daniel reveals the many uses of the powerful concentration that can be developed using fire meditation, discusses his own experiences of psychic powers and out of body experiences, and considers the risks of mental illness when dabbling in esoteric realms. At the time of recording, Daniel had just returned from a three week intensive private fire kasina meditation retreat, and he also gives a detailed practice report from his meditative seclusion, as well as practical advice for those who wish to explore this technique for themselves. … Video version: https://www.guruviking.com/podcast/ep166-fire-kasina-mystic-daniel-ingram Also available on Youtube, iTunes, & Spotify – search ‘Guru Viking Podcast'. … Topics Include: 00:00 - Intro 01:10 - Daniel's history with the fire kasina technique 06:23 - Bhante Gunaratana 07:03 - Honeybunny the ceremonial magician 09:08 - Retreats at Gaia house and first out of body experience 12:15 - Breakthrough retreat 17:36 - Correlating fire kasina experiences with Daniel's insight levels 19:43 - What age is best for peak meditation attainment? 25:50 - Ceremonial magic path to high concentration 27:25 - Crowley's Book Four 28:00 - Concentration vs liberation 29:44 - A powerful experience on retreat 32:22 - Various applications of fire kasina 34:42 - Safety warning 36:55 - Experiences of OBE's and the powers 43:09 - Divine eye and divine ear experiences 46:54 - Psychic powers or a daydream? 50:30 - Dangers of the powers 52:15 - Daniel's guide for group retreats 01:02:14 - Practice dose advice and ideal retreat duration 01:09:10 - Aftershock and afterglow 01:19:15 - Intention, summoning entities, and retreat goals 01:29:32 - Mania, psychosis, and the clinical view 01:35:07 - Daniel's report from his recent intensive fire kasina retreat 01:51:19 - Kripal's flip and coping mechanisms … Daniel Ingram Episode Playlist - https://www.youtube.com/playlist?list=PLlkzlKFgdkny_MJSecHyvKHPpvxTskBAC To find out more about Daniel, visit: - https://theeprc.org/ - integrateddaniel.info - https://firekasina.org … For more interviews, videos, and more visit: - www.guruviking.com … Music ‘Deva Dasi' by Steve James
School districts collect a wealth of data — data that often lives in various disconnected systems or spreadsheets that make it difficult to understand and work with. While many K-12 leaders recognize that data can be useful, the in-depth analysis that makes it possible to use data to inform strategic decisions about student programs or financial planning can often feel out of reach.Dr. CyLynn Braswell has spent 20 years in public education in roles ranging from teacher to executive director. She now works for Frontline Education, helping schools use the data at their disposal to evaluate student programs, identify at-risk students, increase equity, and ensure that resources are allocated for maximum impact.We sat down with her to explore:The obstacles that often stand in the way of using data to inform decisionsKey issues that school districts should be thinking about they welcome students back in the fall — and how using data can help set them up for successCurrent trends at the intersection of education and analyticsThe single biggest question that district leaders can ask and answer with data to drive greater student outcomes and achievementJoin us for this exciting, practical look at how data can be used to make a meaningful difference in the lives of students!Also check out:Case Study: Compton Unified School District uses Frontline Student Analytics to identify students who would benefit from intervention.eBook: Moving the Needle: Improve Student Performance by Correlating and Analyzing Multiple IndicatorsFrontline Student Analytics: Close the digital divide, address learning gaps, eliminate equity and achievement gaps, and more. See it in action.
On today’s podcast I have Nicole Herms, a chemist and technical researcher for SpectraCell Laboratories. SpectraCell Laboratories has a "test, don’t guess" motto when it comes to supplementing your micronutrients. Their Micronutrient test looks inside your cells and identifies deficiencies for 35 vitamins, minerals, antioxidants and metabolites. Micronutrients are the metabolic workhorses in our bodies that drive every chemical reaction in every cell. The Micronutrient Test reveals exactly what you are deficient in and allows doctors to develop a personalized supplementation regimen versus blindly supplementing someone. Correlating micronutrient deficiencies not only slows aging and degenerative disease progression, it can also prevent as well as repair cellular dysfunction, and by extension, disease. Nichole Herms is an avid proponent of functional nutritional testing since she began working at SpectraCell Laboratories in 2004. In the years since, she has developed training materials for practitioners who wish to integrate functional nutritional diagnostics into their practice, with special emphasis on the role of micronutrient deficiencies in various diseases. With a bachelor’s degree in chemistry and a masters in business, she understands both the scientific and practical aspects of lab testing in today’s shifting paradigm of healthcare. Test, Don’t Guess! Test Includes: VITAMINS: Vitamin A Vitamin B1 Vitamin B2 Vitamin B3 Vitamin B6 Vitamin B12 Biotin Folate Pantothenate Vitamin C Vitamin D Vitamin K MINERALS: Calcium Magnesium Manganese Zinc Copper AMINO ACIDS: Asparagine Glutamine Serine ANTIXODIANTS: Alpha Lipoic Acid Coenzyme Q10 Cysteine Glutathione Selenium Vitamin E CARBOHYDRATE METABOLISM: Chromium Fructose Sensitivity Glucose-Insulin Metabolism METABOLITES: Choline Inositol Carnitine SPECTROX™ for Total Antioxidant Function IMMUNIDEX™ Immune Response Score To Learn More: Spectracell Case Studies: Case Study - ALZHEIMER'S DISEASE FAMILY HISTORY, 49 year old male Case Study - CONGESTIVE HEART FAILURE, male Case Study - VITAMIN B12 DEFICIENCY and HYPOTHYROIDISM, 46 year old female Case Study - ANXIETY, PANIC ATTACKS, 45 yr old male Check out Victory Men’s Health and connect on Facebook, Twitter, Youtube, and Instagram. To connect with Amy Stuttle email: podcast@amystuttle.com
Russian disinformation in its war against Ukraine. Overhead imagery and electronic intercepts suggest that Russian atrocities are matters of policy and strategy. Microsoft disrupts GRU cyber operations. Facebook takes down Iranian coordinated inauthenticity. India's Power Ministry says it stopped a Chinese cyberattack. Dave Dufour from Webroot on evolving attack mechanisms. Our guest is Dan Petro of Bishop Fox with a warning for document redaction. Grid security and the value of exercises. For links to all of today's stories check out our CyberWire daily news briefing: https://thecyberwire.com/newsletters/daily-briefing/11/68 Selected reading. Putin's ‘probably given up' on Kyiv as Ukraine war enters new phase (Defense News) Ukraine says 39 killed in rocket strike on rail evacuation hub (Reuters) Russian rocket attack on Kramatorsk train station kills dozens—Ukraine (Newsweek) Possible Evidence of Russian Atrocities: German Intelligence Intercepts Radio Traffic Discussing the Murder of Civilians in Bucha (Der Spiegel) Germany intercepts Russian talk of indiscriminate killings in Ukraine (Washington Post) Microsoft says it disrupted Russian cyberattacks targeting Ukraine, West (The Hill) Disrupting cyberattacks targeting Ukraine - Microsoft On the Issues (Microsoft On the Issues) GridEx VI Lessons Learned Report (NERC) Power Grid Stress Test Finds Low-Tech Needs for High-Tech Problems (Wall Street Journal) Dire grid hacking scenario sparked “shields up” approach to Russian threat (Medium)
A business without a foundation of healthy relationships has no room for growth. Today Lance Bachmann shares how he built five businesses on the principles of communication and relationship development. Listen in as Laura and Lance discuss focusing on improvement during business conversations, how to evaluate your own leadership communication skills and fill in the gaps, and what it was like overcoming childhood challenges in the foster care system to see long-term success. Here are a few things you'll learn during this conversation: Why companies are more focused on culture than ever before Starting with the leadership team and “communicating down” How communication is form of survival when in difficult situations Why Lance chose to step down as the CEO of his company The importance of controlling your frustrations and emotions when having tough conversations During the 24 Hour Influence Challenge Lance asks you to write down the top five people you want to meet and why, then reach out and share the reason. This challenge is to inspire action and create momentum in your business and life. Crucial Conversations book: https://amzn.to/3JHxgH0 About Lance Bachmann: As an Influencer, Entrepreneur, and Public Speaker, Lance Bachmann has a history of helping companies propel their growth with tangible results. He founded his own award-winning digital marketing agency, 1SEO Digital Agency, which specializes in helping home services and other local businesses amplify their voice and project their company vision. Lance has been a Contributing Speaker, Keynote Speaker, and Expert Interviewer at events for Facebook, Google, the US Search Awards, JD Power, Service World Expo, and more. Connect with Lance: Agency Website: https://1seo.com/ Brand Website: https://www.lancebachmann.com/ To learn more about Dr. Laura Sicola and how mastering influence can impact your success go to https://www.speakingtoinfluence.com/quickstart and download the quick start guide for mastering the three C's of influence. You can connect with Laura in the following ways: LinkedIn: https://www.linkedin.com/in/drlaurasicola LinkedIn Business Page: https://www.linkedin.com/company/vocal-impact-productions/ YouTube: https://www.youtube.com/channel/UCWri2F_hhGQpMcD97DctJwA Facebook: Vocal Impact Productions Twitter: @Laura Sicola Twitch: https://www.twitch.tv/vocalimpactproductions Instagram: @VocalImpactProductions See omnystudio.com/listener for privacy information.
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