Podcasts about divs

We have new leaders in the Prem as North Middlesex take over the reins. Elsewhere there were a plethora of low-scoring, high-drama affairs; Southgate bounce up to second in Div 1, Harrow suffer their first defeat of the season in Div 2. London Tigers continue their fine form in Div 3, Bessborough and NL Muslims surge away in Divs 4 and 5. It's as tight as ever in Div 6, though. Do tune in to find out more. Learn more about your ad choices. Visit podcastchoices.com/adchoices

After Si'Keer is lured away, the party is split when they are ambushed by a gang of Divs in the Steaming Kingdom.   Check out the visualized version of this episode on YouTube   Bonus Banter Listener Question/Feedback Form: https://forms.gle/ks9ggJGE7grpgp8r9   Support us on Ko-Fi: https://ko-fi.com/thirdgallon   Check us out at thirdgallon.com   Ambience created by Michael Ghelfi. Check his work out on YouTube and Patreon   The Third Gallon Podcast uses trademarks and/or copyrights owned by Paizo Inc., used under Paizo's Community Use Policy (paizo.com/communityuse). We are expressly prohibited from charging you to use or access this content. The Third Gallon Podcast is not published, endorsed, or specifically approved by Paizo. For more information about Paizo Inc. and Paizo products, visit paizo.com.

The Joint Readiness Training Center is pleased to present the thirty-sixth episode to air on ‘The Crucible - The JRTC Experience.' Hosted by the Commander of Ops Group (COG), COL Matthew Hardman. Today's guest are Today's guests are all seasoned Observer-Coach-Trainers from across Operations Group, MAJ(P) Drew Zabriskie, MAJ Westly “Wes” LaFitte, and MAJ James Lee.   Our guest observer-coach-trainers with nearly fifty decisive action training environment rotations between them. MAJ(P) Drew Zabriskie (L05) is the BSB Executive Officer OCT for TF Sustainment (BSB / CSSB / DSSB) with ten rotations. MAJ Westly “Wes” LaFitte is the BN Executive Officer OCT for the Fires Support TF (Field Artillery BN). MAJ James Lee is the BDE S-3 Operations Officer OCT for the BDE Command & Control (BCT HQ).   (MAJ(P) Zabriskie would become LTC Zabriskie a few short weeks post filming and MAJ Lee would become the BDE Executive Officer for BC2 as well.)   In this episode we discuss the lessons learned from field grade officer perspective in preparation for conducting large scale combat operations across multiple domains. The panel discusses large scale combat operations executed at the battalion, brigade, and division echelons, offering perspectives on a variety of topics including combined arms maneuver, transparent battlefield, fires, and contested logistics as well as emerging technologies employment.   Key lessons learned for field grade leaders at all echelons are understanding the amount of control and influence leaders must exert to be effective, grasping what you can't control and not wasting resources in pursuit of it, understanding your area of operations and your sphere of influence within it, and lastly understanding the systems which drive all of these is critical. The goal for leaders at all echelons must be to ensure that you're not creating problems than you're solving for your subordinates as well as your higher headquarters. Embracing the “teamwork makes the dream work” philosophy and striving to work together as a team across the brigade combat team.   The number one question that commanders and staff ask across the force is how can we get better at the military decision making processes (MDMP)? There's no shortcut, it's simply sets and repetitions that make staffs better at MDMP. The largest myths that most field grade officers have when coming to JRTC is that as the “Iron Major” for their echelon that they can't or won't fail at any time. The combat training centers have been described as the “Ranger school for command teams and staffs.” With that in mind, every organization that comes to the CTCs is destined to fail by design. It is only through failure that growth can occur.   Part of S01 “The Leader's Laboratory” series. Don't forget to checkout our annual Large Scale Combat Operations Symposium, episode 16 and episode 30 of ‘The Crucible.' Be sure to stay to for a follow-up episode with the company team OCTs from LSCO Symposium of '23.   For additional information and insights from this episode, please check-out our Instagram page @the_jrtc_crucible_podcast   Be sure to follow us on social media to keep up with the latest warfighting TTPs learned through the crucible that is the Joint Readiness Training Center.   Follow us by going to: https://linktr.ee/jrtc and then selecting your preferred podcast format.   Again, we'd like to thank our guests for participating. Don't forget to like, subscribe, and review us wherever you listen or watch your podcasts — and be sure to stay tuned for more in the near future.   “The Crucible – The JRTC Experience” is a product of the Joint Readiness Training Center.

Yanik shares his thoughts on three UI frameworks he played with throughout the year at work.Related LinksFU: GTPlanet: Gran Turismo 7 Spec II Revealed: Upgraded GT Sophy AI, New Snow Track, New Cars, and MoreFU: Polygon: Destiny 2 developer Bungie lays off dozens of staffFU: YouTube/Datto: Man... Tough Times Ahead For Destiny, Bungie & The CommunityFU: YouTube/Skill Up: Datto, Aztecross, Byf and Skill Up discuss the future of Bungie and Destiny | Friends Per Second #33Native Android development with Views-based UIsReact NativeFlutterThe Dart languageFlutter Gallery which lets you play with Material and Cupertino in your browserKotlin Multiplatform, a competitor with similar traits

Will Sergeant's just put out the second volume of his memoirs, both of them Sunday Times best-sellers, Echoes and the first edition, Bunnyman. Here he revisits the Liverpool of the ‘60s and ‘70s in extraordinary detail - the clothes, the records, the gangs, the school days, the early shows he saw - and the many reasons he wanted to form a band. On the agenda … … ‘rockist' cliches the Bunnymen detested.   … why America loved early ‘80s British groups. … the powerful appeal of Jethro Tull, Status Quo, Slade, Roxy Music, the Sensational Alex Harvey Band and rock and roll theatre. … clothes bought from NME small ads in the ‘70s. … absurd rivalries with Simple Minds and the Jesus & Mary Chain. … fond memories of David Thomas of Pere Ubu smashing a pig iron spike with a lump hammer. … the ‘Porcupine' cover shoot in Iceland.   … the charisma of the teenage Mac McCulloch. … bands that borrowed from the Bunnymen. … why the Ramones were “Status Quo with drainpipes”. … and the magic ingredient that held Mac's hair aloft. Order Bunnyman here …https://www.amazon.co.uk/Bunnyman-Memoir-Sunday-Times-bestseller/dp/1472135032 And Echoes here …https://www.amazon.co.uk/Echoes-memoir-continued/dp/1408719304Tickets for Word In Your Ear live at 21 Soho on October 30th here: https://www.tickettext.co.uk/ysY3FvyFaeSubscribe to Word In Your Ear on Patreon for early - and ad-free! - access to all of our content here: https://www.patreon.com/wordinyourear Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Will Sergeant's just put out the second volume of his memoirs, both of them Sunday Times best-sellers, Echoes and the first edition, Bunnyman. Here he revisits the Liverpool of the ‘60s and ‘70s in extraordinary detail - the clothes, the records, the gangs, the school days, the early shows he saw - and the many reasons he wanted to form a band. On the agenda … … ‘rockist' cliches the Bunnymen detested.   … why America loved early ‘80s British groups. … the powerful appeal of Jethro Tull, Status Quo, Slade, Roxy Music, the Sensational Alex Harvey Band and rock and roll theatre. … clothes bought from NME small ads in the ‘70s. … absurd rivalries with Simple Minds and the Jesus & Mary Chain. … fond memories of David Thomas of Pere Ubu smashing a pig iron spike with a lump hammer. … the ‘Porcupine' cover shoot in Iceland.   … the charisma of the teenage Mac McCulloch. … bands that borrowed from the Bunnymen. … why the Ramones were “Status Quo with drainpipes”. … and the magic ingredient that held Mac's hair aloft. Order Bunnyman here …https://www.amazon.co.uk/Bunnyman-Memoir-Sunday-Times-bestseller/dp/1472135032 And Echoes here …https://www.amazon.co.uk/Echoes-memoir-continued/dp/1408719304Tickets for Word In Your Ear live at 21 Soho on October 30th here: https://www.tickettext.co.uk/ysY3FvyFaeSubscribe to Word In Your Ear on Patreon for early - and ad-free! - access to all of our content here: https://www.patreon.com/wordinyourear Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

Will Sergeant's just put out the second volume of his memoirs, both of them Sunday Times best-sellers, Echoes and the first edition, Bunnyman. Here he revisits the Liverpool of the ‘60s and ‘70s in extraordinary detail - the clothes, the records, the gangs, the school days, the early shows he saw - and the many reasons he wanted to form a band. On the agenda … … ‘rockist' cliches the Bunnymen detested.   … why America loved early ‘80s British groups. … the powerful appeal of Jethro Tull, Status Quo, Slade, Roxy Music, the Sensational Alex Harvey Band and rock and roll theatre. … clothes bought from NME small ads in the ‘70s. … absurd rivalries with Simple Minds and the Jesus & Mary Chain. … fond memories of David Thomas of Pere Ubu smashing a pig iron spike with a lump hammer. … the ‘Porcupine' cover shoot in Iceland.   … the charisma of the teenage Mac McCulloch. … bands that borrowed from the Bunnymen. … why the Ramones were “Status Quo with drainpipes”. … and the magic ingredient that held Mac's hair aloft. Order Bunnyman here …https://www.amazon.co.uk/Bunnyman-Memoir-Sunday-Times-bestseller/dp/1472135032 And Echoes here …https://www.amazon.co.uk/Echoes-memoir-continued/dp/1408719304Tickets for Word In Your Ear live at 21 Soho on October 30th here: https://www.tickettext.co.uk/ysY3FvyFaeSubscribe to Word In Your Ear on Patreon for early - and ad-free! - access to all of our content here: https://www.patreon.com/wordinyourear Get bonus content on Patreon Hosted on Acast. See acast.com/privacy for more information.

News:Paige - ChatGPT.js - we knew it was only a matter of time…Jack - Latest Nx updatesTJ - What the State of HTML Survey taught me about HTMLWhat Makes Us Happy this Week:Paige - Dune, the novelJack - EggrollsTJ - Anker USB Outlet and the Lions winning streakJoin Us:Blue Collar Coder on YouTubeBlue Collar Coder on DiscordReach out via emailTweet at us on X @front_end_fire

On the very first episode of the Rivals Podcast (formerly Coast 2 Coast Hockey Talk) Dave and Joe give their predictions on the top teams at the end of the season in the eastern conference divisions.

Brain Drain Episode 11 with Forde Brookfield & Toby Batchelor

In this episode of Syntax, Wes and Scott talk about why Threads, Instagram, and all things Facebook have what seems like really messy HTML and CSS? Show Notes 00:10 Welcome Scott on Threads Wes on Threads 00:35 Threads has got divs 02:42 Tight scoping 09:44 Avoids specificity 10:37 Dealing with ad blockers and scraping 15:45 Divs are free, what's the big deal? 20:19 Facebook is tracking everything 27:57 React Native Shameless Plugs Scott: Sentry Wes: Wes Bos Tutorials Tweet us your tasty treats Scott's Instagram LevelUpTutorials Instagram Wes' Instagram Wes' Twitter Wes' Facebook Scott's Twitter Make sure to include @SyntaxFM in your tweets Wes Bos on Bluesky Scott on Bluesky Syntax on Bluesky

Eating hash, German helmets, I Clavdivs, A Very Peculiar Practice, Herbie Wise, Jack Pulman, George ‘Champagne Charlie’ Leybourne, DVD watch piles plus all the usual nonsense!

Healed divisions at Pacific Islands Forum unlikely to remain permanent.

Glenn Loury discusses the concept of iciness, and how it relates to the human mind.

Week 38, Friday, collected five premiums and two dividends for a return of 1.55%. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Mike Rosenbaum & Tad Slowik discuss PBR JUCO's final regular-season rankings for the top 25 NJCAA teams across the Divs. I-III levels. First, they break down the Top 25 D1 programs, going in-depth on No. 8 Eastern Oklahoma St., No. 10 Cowley and No. 12 Flo-Dar Tech, as well as No. 20 Kansas City Kansas, No. 21 Chattanooga St., No. 22 Shelton St. & No. 25 Harford. After a short break, Mike and Tad dig in on their Divs. II rankings, highlighting No. 1 Madison, No. 4 Heartland, No. 6 Kirkwood, No. 9 Frederick, No. 11 Pitt, No. 21 Des Moines Area & No. 23 Southeastern. Finally, the conversation concludes with a look at the Div. III level, featuring notes on teams such as No. 3 Northern Essex, No. 5 Herkimer, No. 7 Erie, No. 15 Brookdale, No. 16 North Lake & No. 19 Bergen.

Mike Rosenbaum & Tad Slowik analyze all of the movement in PBR JUCO's updated NJCAA Top 25 rankings, breaking down the top teams across the Divs. I-III levels. The guys go in-depth talking about No. 4 Crowder, highlighting 100-mph fireballer Jacob Misiorowski, right-hander Cody Adcock and the RoughRiders' dynamic offense. After a short break, Mike and Tad discuss No. 1 Madison -- a club that Tad has now seen four times -- before touching on No. 5 Meridian, No. 6 Lincoln Land, No. 7 Heartland and No. 15 Pitt. Red-hot No. 5 Herkimer headlines this week's Div. III conversation in the wake of LHP Greg Farone's 15-K Perfect Game(!).

Episódio com o tema "Moisés o mediador. Divs leis: sobre o altar, servos, e violência". Apresentação: Itamir Neves.  Texto Bíblico: Êxodo 20.18-21.36 Neste episódio, temos diante de nós a tarefa de estudarmos o restante do capítulo 20 de Êxodo, e também os 36 versos do capítulo 21. É um texto longo, mas de muita importância pois, refletiremos sobre alguns tópicos: o ambiente da entrega da lei, as leis sobre os altares, sobre os servos e, as leis sobre a violência. Acompanhe. See omnystudio.com/listener for privacy information.

Divas, Divos, and Divs! We are back from our winter slumber. A certain diva by the last name of Jackson is ready to reflect and share with the class..or is she? No, it's not Legend-Toya. And her first name ain't baby. Today we're talking about Janet (Miss Jackson, if ya nasty). Angie (@poetrysoul3) and I (@inn_mho) are back to break down Night 1 - episodes 1 & 2 - of Janet Jackson's docuseries “JANET JACKSON.” (2022). We talk about our first impressions and whether this truly satisfied our inner Janet stan. Was Joseph Jackson a tyrant or strict parent? Was Renee Elizondo genuinely in love or calculating behind the scenes? Was there too much of big brother Michael? And more importantly…where was Legend Toya?! *Episodes 3 & 4 will be discussed in another episode. Stay tuned and make sure you're subscribed to the podcast!Logline: An intimate and unfiltered look at the untold story of Janet Jackson filmed over the span of three years featuring archival footage, never before seen home videos and star-studded interviews.*Email us: divadailiespod@gmail.com*Twitter & Instagram: @divadailiespod*YouTube Channel: Diva Dailies Channel Link Here: https://www.youtube.com/channel/UCrPFguLd1TBSD5AgJNCX2ig/videosTIME STAMPS:- Housekeeping/ Admin. (01:33)- Oscar & Razzie Moment of the Week (04:35) - Opening Discussions: First Impressions of the Docuseries (17:48)- Episode 1 Breakdown (36:35)- Episode 2 Breakdown (61:40)

The crew breaks down everything you need to know about the upcoming NFL Divisional Playoffs.

ETF Trends CEO Tom Lydon discussed the SmartETFs Dividend Builder ETF (DIVS) on this week's “ETF of the Week” podcast with Chuck Jaffe on the MoneyLife Show. This ETF offers exposure to small cap U.S. stocks that maintain attractive dividend yields, making it one of many tools available to investors looking to enhance the current returns delivered from the equity side of their portfolio. DIVS can be used in a number of different ways; this ETF might be an appealing short-term tactical tool for those looking to shift holdings towards safer dividend stocks, or could also be used as a core holding in place of a more traditional small cap fund in a long-term portfolio.

Get 10% more Axion in the Regular AXN Auctions at http://whatisaxion.com and support AIM (https://aimfree.org) and the Axion Community - 100% of proceeds are given back! -25% of referrals are donated to Agape International Missions: https://aimfree.org/ https://www.youtube.com/watch?v=rxurypJK6WQ -75% of referrals are donated back to the Axion Community as voted on by its members. Join Patricia, Paul, and Robbie for about an hour or so every Monday LIVE at 10PM UTC (2PM Pacific) as they discuss all things AXION! LIVE NOW! https://axion.today - Our comprehensive dashboard website that displays real-time statistics of the Axion smart contract, as well as give individual users the ability to view the smart contract interactions by inputting any ETH address. Also available on our app! Android: https://play.google.com/store/apps/details?id=com.axiontoday iOS: https://apps.apple.com/us/app/axion-today/id1559779486 Join the Axion Today Membership Club today and get exclusive access to many perks: https://youtube.com/axiontoday/join or https://www.patreon.com/axiontoday BIG THANK YOU TO OUR SPONSORS: Axion is going big - and it's going big fast. Join the fastest growing Axion public Facebook group today - 'Cryptocurrency World of Axion' - and stay up to date with all the latest news and articles about Axion, and connect and discuss it all with fellow Axion investors - https://www.facebook.com/groups/1049057275617316 AxionApparel.com - They've got T-Shirts, Polos, Beanies, Mugs, and even Pillows just to name a few. AxionApparel.com has just released “It’s liquid bro” design and a beautiful comfy Minky Blanket. Have a look around and get 15% off of your first order by entering "relaxion" in the check out. AxionApparel.com has all of your Axion merchandise needs. Now accepting Bitcoin! A MASSIVE THANK YOU TO ALL THE AXION TODAY CLUB Members: Burrito Andy Fatboy2307 Empress Status dcfisdf Michael Gadoua Ryan Fabin LL LL Crypto emmi brick Numberofthings Sigurd Pleym FBAM Shane Jenkins Marcus Millstrom Lee Clark Cryptatshian Cadillace Jack marian devine AJI Kris Gilbert Zov Erion Edvardas Janciauskas Andreas Freiholtz gnome JohnnyO O Vince Ragsdale fajja Romeo Casper Robert Kellett Jeff S Scott Crosby That 337 Guy Ayahead imsku Konstantinos Karentzos Pamper Phixxation RICH codes95 neh 317 Luke V Jay mich proson M Dawhipwhipwhip Dogger Louis Capece Andras Borgula Mario Urena Slurpees Are Good Dean Adolpho Richard Guy (ELITE) Livinglikemike (ELITE) Kristaps Kositis (ELITE) Grab some Axion Today merch: https://axiontoday.club Like, follow, subscribe: https://www.youtube.com/axiontoday https://dlive.tv/axiontoday https://www.facebook.com/AxionToday https://www.twitch.tv/axiontoday https://www.pscp.tv/AxionToday https://twitter.com/AxionToday https://www.instagram.com/axiontoday/ https://www.tiktok.com/@axiontoday https://aioz.tube/channel/23f4d4a7-2d05-4342-96e1-bad9cc9864b3 Axion Today Podcast is available on all major podcast platforms, including iTunes, Stitcher, Spotify, Soundcloud, Google Play, and Podbean: iTunes https://podcasts.apple.com/us/podcast/axiontoday/id1542075418 Soundcloud https://soundcloud.com/axiontoday Spotify https://open.spotify.com/show/3kW62E4KZHNLAvHHnW7bXN Stitcher https://www.stitcher.com/show/axiontoday Podbean https://axiontoday.podbean.com/ Google Play https://bit.ly/33swYAA Check out the awesome Axion Community by joining the Discord: https://discord.gg/6FUZyEskkF Axion Official Website: https://Axion.Network Email us! axiontoday@gmail.com #axion #crypto #bitcoin

Esta semana tuvimos a unas de las invitadas más esperadas de su ponkast, Las Divas y Fritas a.k.a The Divs and Frits. Myr y Palina nos deleitan con su harto conocimiento en cuanto a Feminismo. ¿Estamos replicando sistemas de poder dentro del feminismo? ¿Estamos apropiadas del placer femenino? ¿Chabelo cacheteó a cantinflas? Esto y más en el ponkast de hoy. #salúdameatumami --- Send in a voice message: https://anchor.fm/lasprovincianas/message

I believe that when you put money into Football Index, half the bet is on the shares you purchase while the other half is on the success of the company. When FI thrives, so does the market and we see benefits such as increased dividend payouts, high volumes of trading and large price rises. When FI are struggling or declining we see negative impacts such as dividend reductions (ie the removal if IPD), less volumes of trading and large price drops. Therefore as a trader on FI, I feel like an investor in the company (whether that is technically true or not). I feel it is important for FI to fill their "traders/investors" in with things such as future plans and exciting news. We want to know how they're doing as this will have an effect on how much money we decide to leave/deposit into the market. This Q&A is a great step in the right direction as it creates a connection between the users and the owners. Hopefully this will allow a few important questions that are holding a lot of traders back, to be answered. What question will you be asking?

BLACKWOLF CHARITY: https://www.gofundme.com/f/jessica-joys-journey Thank you so much to sponsors FOOTSTOCK for supporting the show, I really do enjoy their platform and think it has a big future. Give it a go on the link below, no deposit required for a welcome pack with 50 bonus cards and £10 in tournament entires: FOOTSTOCK LINK: bit.ly/JOINFOOTSTOCK Thanks, John. Ps. Leave a 5 star review you handsome person.

We all want a leg up on the competition, especially if you are trying to get your foot in the door with wildland fire. Thats why we have folks like former Kings River IHC Captain, Adam Hernandez, on the show to help!Adam Hernandez is the Wildland Fire Technology Instructor at Reedley College located in Central California near the foothills of the Central Sierras. He has a Bachelor of Arts in Liberal Studies and has earned a Certificate of Achievement from Humboldt State University in Fire Management.  Adam spent 17 years with the US Forest Service prior to leaving the agency in 2019. The majority of his experiences in fire were centered around work on hotshot crews and fuels management with additional experiences as a smokejumper in McCall Idaho. Early on in Adam's career his mentors and influences encouraged regular involvement with training and development while considering the value of leadership and human factors in the wildland fire service. Most recently he was involved with the development and delivery of the R-5 Primary Leader Academy Leadership Curriculum. This interest in human factors, leadership, training and development over the course of his career has been the driving factor in his transition to become an educator in wildland fire. Adam has a publication in the US Forest Service Rocky Mountain Research Station for a hypothesis study he conducted that studied the value of the NWCG Leadership curriculum to the Wildland Fire Service since its implementation in the early 2000s. Adam remains connected to the wildland fire organization and keeps his operational skill sharp by working as an Administratively Determined (AD) firefighter during the summers.  All assignments are welcomed from DIVS, TFLD, FAL1, CRWB to his preferred, grunt hotshot crewmember. Adam's goal is to support the wildland fire organization by providing quality candidates for wildland fire and fuels crews and to deliver training for entry level crewmembers up to the Senior Firefighter level.If you would like to find out more about Reedley College, follow the link below"https://www.reedleycollege.eduOr you can check out the program on Instagram at:https://www.instagram.com/reedleycollegewildland/Stay safe, stay savage...Enjoy!..........................Updates!We launched a Patreon!!! If you guys would like to support us, head over to our Patreon Page!https://www.patreon.com/theanchorpointpodcastThe new website is live! Be sure to check our the "Resources" page for some folks in the industry that are doing incredible things for us!http://anchorpointpodcast.com..........................Sponsors:The Anchor Point Podcast is supported by the following wonderful folks...Mystery RanchNeed badass packs? Then look no further than Mystery Ranch!https://www.mysteryranch.comHotshot BreweryWanna pick up our Anchor Point Podcast merch or need killer coffee? Hit up Hotshot Brewery!!!https://www.hotshotbrewing.comThe Smokey GenerationWanna get some history and knowledge on Wildland Fire? Hit up The Smokey Generation!http://wildfire-experience.orgNot a sponsor of The Anchor Point Podcast, but a great organization:The Wildland Firefighter FoundationAnd, as always, please consider supporting this great nonprofit organization - The Wildland Firefighter Foundation!https://wffoundation.org

Welcome to Finance and Fury. One major issue for shares in Australia and around the world – with the lock downs and companies bottom lines being affected - Dividend cuts on the rise In this episode we will look at the ASX and the dividend cuts. We will also cover which sectors are being affected and the overall drops compared to previous crashes, along with if there is an opportunity out these in this. What has happened? If you have been living under a rock - The response from governments to manage Covid led to significant changes in daily life – also has had significant impacts on economic growth globally and in Australia 2020 will likely be one of the worst years on record for global developed economies as the impacts of forced shutdowns halts economic output - created unprecedented levels of economic uncertainty Forecasts from the RBA show the Australian GDP to contract by 6% in 2020, and June 2020 unemployment to be 10% - numbers might not be as bad as initially thought – see what happens next month – but what has happened is that listed companies are taking action at the board level on their dividend policies Dividends – These are profits paid out – if you are a shareholder – you are an owner in the business – therefore the company makes a profit – you should be entitled to some of this – DPR at the board level decides how much Dividends have had a massive impact on returns for the ASX over any other market – Over the past decade, the total return for the S&P/ASX 200 was 7.1% pa – of which 6.1% (about 87% of that total return) was from dividends including FCs – 0.9% price, 1.6% FC and 4.5% dividend over past 10 years - Dividend payments in Australia totalled $80 billion last financial year Our market has been fairly reliant on dividends as part of a total return – so the cuts to these in the short term makes for a poor total return unless price gains pick up the slack this year –   What does that mean for company earnings and dividends? The change in economic conditions has had a severe impact on the outlook for earnings over the next year Many companies have abandoned earnings guidance due to the extreme uncertainty around when some level of normal will return to business conditions and confidence At the same time - Capital raisings have been frequent (and in relatively large size, as they were during the GFC) to keep companies capital in a safe position - Prices of shares have reacted strongly to this news - yield stocks (like the banks) have been some of the worst performers in the ASX 200 – if Divs are cut these goes your returns Since the middle of February, over 30% of companies in the ASX200 have deferred, cancelled, suspended, or revised dividends 13% deferred payment, 4% cancelled, 4% suspended, 4% no dividend, 1% revised The cuts to dividends have been a significant headwind for yield-focussed portfolios DPS and EPS growth were already low before lock downs – EPS is the profits – DPS is how much of that is paid out – the market DPR was high – banks sitting at about 80% - so if profits drop by 20% - means no retained earnings – so drop DPS- The ASX200 did have a high concentration in its income yield - Over 50% of dividends are paid by just eight companies - two-thirds of dividends paid by 18 companies – at the index level leaves market susceptible to the larger companies (banks) cutting dividends – like they currently are What sectors will be the most affected in the ASX200 and their weighting on dividends Low risk Supermarkets, telcos, pharma, tech, gold and iron ore 64 shares making up 30% of dividend weights Possible cuts in 2020 and 2021 – 5% and 0% Medium risk Financials, building/construction, discretionary health care 107 shares making up 30% of dividend weight Possible div cuts in 2020 and 2021 – 33% and 20% High risk Travel, entertainment, casinos, shopping centres, energy (oil) 27 shares making up 10% of div weights Possible div cuts in 2020 and 2021 – 100% and 33% The outlier – banks 7 shares making up 30% of weight – Possible div cuts in 2020 and 2021 - 60% and 50% In total – average of 40% to ASX200 in 2020 – then 24% in 2021 The big 4 - Australian banks have historically been key features of any yield portfolio due to steady franked dividends Unsurprisingly -they have been amongst the worst hit through the COVID-19 market downturn, as economic activity slows and net interest margins shrink (as a result of lower interest rates); from the market high on Feb 21st to the bottom on Mar 23rd Australian banks fell an astonishing 44%, underperforming the ASX200 index by almost 10% Also – whilst the market has rallied off the bottom through April and into May, banks are down 37% from the February market high – no real really in the banks seen Three of the big four banks acted quickly announce their dividend decisions; ANZ suspended its interim dividend, NAB cut its interim dividend by 64% (to 30c) and announced a $3b capital raising, and WBC deferred its interim dividend decision without a set timeline for a decision - Westpac's dividend suspension was the first such move by the bank in at least 37 years Still – the options for a lot of companies is to pay out all retained earnings and go bankrupt – so share values go to $0 or to hold the earnings and raise some capital if needed – so they can slowly recover over time and start paying dividends again At the moment though - the relative fall in price of banks mean they now trade on a forward dividend yield of 4.3% vs ASX200 at 3.6% - over the long term though – price and yields do change - Ex-CBA, the major banks are now trading on less than 1x book value, cheaper than the valuation in the depths of the GFC (CBA is now around its GFC trough book value multiple) – seems to show that the risks to the banks are well and truly factored into the price – along with investors jumping ship if they aren’t going to get Divs – which is the banks way of providing a return At the moment – banks are focusing on building up capital and retaining profits – means for now that the era of big bank dividends is on pause - for the short to medium-term – probably next 1-2 years – but given that the banks are forecasting bad loans rising from those who deferred loans cannot repay them in October – the reinstatement of dividends will be driven by how well the economy can emerge from its enforced hibernation One issue with capital raisings – will likely drop EPS and DPS going forward – NAB over past 10 years increased shareholdings by 30% - the $3b capital raising and $500m SPP will increase this by a further 7% of shares outstanding – so assuming total profits are the same – drop EPS by the same percentage   This won’t last forever – Long term – these is opportunity in markets that have traded down due to the dividend decisions – assuming that these companies survive and don’t have to take on massive debt. Even though we are now seeing similar dividend reactions as in the GFC for a lot of companies - the low-price entry opportunities offer investors access to potential future outperformance in stocks whose dividends are relatively untouched at the moment - Especially in the banks – the banks themselves and their success is linked with the economic outcomes – borrowing and confidence – so if the economy recovers and goes back to normal – so will the bank As we have seen - when the economy has a downturn, they will struggle a little bit Summary – The price drops in markets initially - especially in yield stocks has been unlike anything seen in markets since the Great Depression - But at the same time there has also been an unprecedented response from governments and central banks via fiscal and monetary stimulus When the recovery begins is uncertain and dependent on numerous factors, but economies will recover and with it - Company earnings will recover as we move through the next year -with that dividends will eventually be reinstated – but still - Investing for yield has had a very difficult 2020 Yes – DPS and EPS will likely fall – comparing to GFC – and past events – dividends for companies that survive come back – so investing in companies that have the ability to weather the storm is important But shares are meant to be a long term investment – those who these policies most impact are those relying on dividend income to sustain themselves in retirement – Why having a cash buffer is very important – but longer term – The price of the market may slide further from here but if they do – good opportunity to lock in gains for the long term – The market is relative – buying now based on price is better than 4 months ago – not as good as 1 month ago – but may not be as good comparing to 6 months from now if the enthusiasm in the ASX runs out Still - rather than relying on the index – contrarian active approach can help to avoid these types of losses Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/

What will the Aftermath of these matchups look like?  I'm just hoping we aren't heading straight towards The End of the World as We Know it! Round 2 concludes this week with the 16 previous winners from the Ballad and Wild Card divisions! You can vote on YOUR favorites in each and every matchup on our twitter page @andyhearsit Visit actn.wordpress.com for all the information about the tournament including printable PDF brackets.

When it comes to R.E.M., you know we love to Talk About The Passion, but when two great songs go head to head, it can be tough to decide exactly which is The One I Love. Round 2 of our bracket begins this week with eight matchups from the Pop and Rock Divisions!   You can vote on YOUR favorites in each and every matchup on our twitter page @andyhearsit Visit actn.wordpress.com for all the information about the tournament including printable PDF brackets.

Host John Nellis talks to Football Index Moneyball. Kevin is a great lad and you should head over and have a look at his youtube channel on this link: https://www.youtube.com/channel/UCnFRXfjEc5zWsCAy4q9vetw Thank you so much to sponsors Footstock for supporting the show, I really do enjoy their platform and think it has a big future. Give it a go on the link below, no deposit required for 5 free cards and a fiver to play with! FOOTSTOCK LINK: https://footstock.idevaffiliate.com/139.html Find the podcast on social media: Twitter: https://twitter.com/IRISHFI1 Facebook: https://www.facebook.com/HighWideAndHandsome Instagram: Search HWAHpodcast And finally, if you are just signing up to FI, use this link to sign up and you will get a free £10, as will I - http://trade.footballindex.co.uk/raf/?tag=289421&name=Thebigman Thanks, John. Ps. Leave a 5 star review you handsome person.

As California is suffering another horrible season of wildfires, we thought it would be powerful to give you some inspiring insight into how heroes fight these massive fires. On this special reissue episode, Retired Battalion Chief TJ Welch gives us an insider’s view of how thousands of Firefighters and first responders spring into action in a matter of hours to save lives and property. TJ Welch – Starting Out in the City TJ spent the first years of his career dealing with brush fires and structural fires. He also had his fair share of wildland fires as a chief officer. But he and other city firefighters pretty much only stood guard in front of the houses. It wasn’t until the late ‘90s when they made full use of city firefighters. They went to timber and brush areas to stop fires and perform other operations. “This was my moment where it kind of changed my perspective of my role as a chief officer.” – TJ Welch Wildland Fire in Numbers Back in the day, the biggest of wildland fires reached up to 160 thousand acres, which is equal to the same number of football fields. This number has been expanding in recent years, reaching up to 200 thousand acres of wildland catching fire. The terrifying numbers make sense when taken in the context of the number of residences, the timber that is involved, how exposed the wood is, and how quickly it burns. These wildland fires burn a couple of football fields per second. They are impossible to outrun and risk many lives. There’s a lot of reasons as to why wildland fires catch so quickly. On the other hand, timber could take a while to dry and get moisture back. With the drought that has gone on for so many years along with other forest products left out in the open, the wildland fires have become more gigantic. A Turning Point There was one fire that forever changed TJ. This gave way to a collective effort to train firefighters in the art of effective mobilization when tempering these massive fires. “When I left that fire, I said I’m not gonna be so ignorant when I come to another wildland fire.” – TJ Welch To hear more about how California firefighters move as a unit and how TJ Welch dealt with the massive responsibility of being a leader, download and listen to the episode. Bio: TJ Welch is a 32 year veteran of the fire service. Throughout the course of his career, he served in volunteer, industrial and municipal fire departments. TJ was a member of CAL Fire ICT 3 from 1997-2005 and a founding member of CICCS. He was a qualified Type OSC2, OPBD, DIVS, and STEN. TJ retired in 2014 as Battalion Chief with Alameda County Fire Department. He currently teaches and writes Officer courses for OSFM, and is a Firefighter Safety Specialist for California Department of Public Health and NIOSH where he investigates firefighter line of duty deaths. Links: How to donate to victims of Fires in California: How To Help Victims Of California Wildfires As Tens Of Thousands Are Forced To Flee Homes RedCross Supplying Aid To Victims Of Emergency (Save) California Community Foundation: Wildfire Relief Fund We hope you enjoyed this episode of Follow Your Different™! Christopher loves hearing from his listeners. Feel free to email him, connect on Facebook, Twitter, Instagram and subscribe on iTunes! Get amazing, different stories on business, marketing, and life. Subscribe to our newsletter The Difference.

As California is suffering another horrible season of wildfires, we thought it would be powerful to give you some inspiring insight into how heroes fight these massive fires. On this special reissue episode, Retired Battalion Chief TJ Welch gives us an insider’s view of how thousands of Firefighters and first responders spring into action in a matter of hours to save lives and property. TJ Welch – Starting Out in the City TJ spent the first years of his career dealing with brush fires and structural fires. He also had his fair share of wildland fires as a chief officer. But he and other city firefighters pretty much only stood guard in front of the houses. It wasn’t until the late ‘90s when they made full use of city firefighters. They went to timber and brush areas to stop fires and perform other operations. “This was my moment where it kind of changed my perspective of my role as a chief officer.” – TJ Welch Wildland Fire in Numbers Back in the day, the biggest of wildland fires reached up to 160 thousand acres, which is equal to the same number of football fields. This number has been expanding in recent years, reaching up to 200 thousand acres of wildland catching fire. The terrifying numbers make sense when taken in the context of the number of residences, the timber that is involved, how exposed the wood is, and how quickly it burns. These wildland fires burn a couple of football fields per second. They are impossible to outrun and risk many lives. There’s a lot of reasons as to why wildland fires catch so quickly. On the other hand, timber could take a while to dry and get moisture back. With the drought that has gone on for so many years along with other forest products left out in the open, the wildland fires have become more gigantic. A Turning Point There was one fire that forever changed TJ. This gave way to a collective effort to train firefighters in the art of effective mobilization when tempering these massive fires. “When I left that fire, I said I’m not gonna be so ignorant when I come to another wildland fire.” – TJ Welch To hear more about how California firefighters move as a unit and how TJ Welch dealt with the massive responsibility of being a leader, download and listen to the episode. Bio: TJ Welch is a 32 year veteran of the fire service. Throughout the course of his career, he served in volunteer, industrial and municipal fire departments. TJ was a member of CAL Fire ICT 3 from 1997-2005 and a founding member of CICCS. He was a qualified Type OSC2, OPBD, DIVS, and STEN. TJ retired in 2014 as Battalion Chief with Alameda County Fire Department. He currently teaches and writes Officer courses for OSFM, and is a Firefighter Safety Specialist for California Department of Public Health and NIOSH where he investigates firefighter line of duty deaths. Links: How to donate to victims of Fires in California: How To Help Victims Of California Wildfires As Tens Of Thousands Are Forced To Flee Homes RedCross Supplying Aid To Victims Of Emergency (Save) California Community Foundation: Wildfire Relief Fund We hope you enjoyed this episode of Follow Your Different™! Christopher loves hearing from his listeners. Feel free to email him, connect on Facebook, Twitter, Instagram and subscribe on iTunes! Get amazing, different stories on business, marketing, and life. Subscribe to our newsletter The Difference.

Getting used to creating layout using DIVs in HTML & CSS

Raj Lala – CEO of Evolve ETFs   Rob: Good Day folks. I'm Rob Tétrault from robtetrault.com, head of the Tétrault Wealth Advisory Group here at Canaccord Genuity Wealth Management. Pretty excited today who we got here today. Raj Lala. He's CEO, president and founder of Evolve ETFs. Really glad to have him in our office here in Winnipeg. Thanks for coming, we are excited to have you and we're going to talk ETFs today. Evolve. You guys have really kind of evolved from, I'll say a niche player, to now becoming more mainland with some of the line's you guys have on the ETFs. First of all, I'd love to hear about how the company started, and why ETFs. Raj: Prior to putting a evolve together, I ran Wisdom Tree Canada, which is one of the world's largest CTF providers. Prior to that, I ran the retail business for Fear of Capital, which is one of the country's largest asset managers. Before that, I ran a company with a couple of partners and actually sold that to Fiera. Going all the way back, I worked at Jovian capital, which was a mid-sized financial services company. Jovian was actually the company that helped incubate the horizons ETFs. I intersected into the ETF business a couple of times. When I left wisdom tree towards the end of 2016, I decided I wanted to go out and build one. All my friends said I was nuts. How are you going to build something? It's way too competitive. You've got the banks, you've got the large asset managers. How are you going to compete? We already have 500 ETFs, today we have over 800 ETFs, but back then, 500 ETFs in the market.   Rob: This is in 2016?   Raj: This would have been at the end of 2016. And how are you really going to get traction? I said, you know what? You're actually right. If I was going to go and create kind of another XIU or another SPY you know, I think that those are very well covered by the big firms like the iShares and the Vanguards, but I believe that there's a couple of areas of the market that are either underserved or unserved. I'm a big believer that in certain asset classes you really need good active management because good active management can make a big difference on a risk adjusted return basis. What we did was we put together a lineup of asset classes, and specifically in fixed income for sure, that we felt truly do benefit from good active management. And then how we differentiate ourselves a little bit is we went out there and went across the globe, and of course folks here in Canada, to identify the kinds of portfolio managers that we could partner up with who had a great track record in that specific asset class. Oftentimes our competitors, what they'll do is they'll internalize that portfolio management, but sometimes the portfolio management team doesn't have a great deal of expertise. For us it was more important to find a manager with a brand, and that actually had a great track record. We've partnered up with Voiced and Gordon Pain to run a couple of funds for us. Our biggest fund, which has emerged somewhat of a flagship for us, is a Canadian preferred share fund that they run full as …   Rob: That's DIVS?   Raj: That's DIVS, yeah. We've partnered up with Voiced In also to run a Canadian core fixed income fund. We partnered up with Nuveen in the US – for those of you not familiar with Nuveen, Nuveen runs part of TIA, which is effectively the US version of Ontario teachers.   Rob: Okay, yeah.   Raj: They run about a trillion dollars. They're running a couple of funds for us, a US equity as well as a short duration yield, and the biggest manager that I've ever worked with in my career. About eight months ago, we launched a fund with Allianz Global Investors. Allianz right now runs about $2.2 trillion. The portfolio manager of our fund is the sister company to PIMCO. So really, these are segments of the market that we believe really benefit from good active management. Then the other pillar to our business where we've gotten a lot of press and a lot of attention is our thematic, primarily index-based ETFs. So focused on long-term trends, focused on strategies or sub sectors that you can point to that are really changing our world over the course of the next 10 years. But most importantly from an investment perspective, that they have a strong investment thesis behind them, and that they could never be confused with a fad. For example, we launched Canada's first cyber security ETF. Can't be a fad; everybody knows, all of your clients will know. I'm sure everyone has had an attempted breach. They have gotten an email from a bank that they don't bank with asking them to verify their account details, or a Microsoft email to verify their account. We're clear we're getting barraged by attempted hack in our world today, and it's only going to increase.   Rob: Let's talk about that one. So that is the cyber security ETF launched in the last year or so, right?   Raj: A year and a half ago.   Rob: So specifically, what kind of tech, what kind of companies are you targeting, what goes in there? How many names are in there?   Raj: That's an index based, passive ETF.   Rob: Okay.   Raj: What we do is, our typical index provider is a Frankfurt based company called Solactive. They're doing a number of ETFs in Canada as well, and what we do is we put together the methodology. They put together the methodology with us. I would go to Solactive and I would say I want to build a cybersecurity ETF. They would go and take a look at their entire list of indices. If they say, actually we don't have a cybersecurity index, they would go and build it. There's an organization called Factset. Factset creates the methodology. Effectively, every company that would be classified as a cybersecurity company that's publicly listed, that also has a minimum market cap of 100 million for that fund. Depends on the fund, but for that fund – Minimal Heart Capital – 100 million. And then minimum trading volume of 2 million a day makes it into our portfolio.  So right now, that's about 37 companies.   Rob: That's globally?   Raj: That's globally.   Rob: How many of those are in North America?   Raj: About 75% is US based. There's nothing right now in Canada. And then you've got a little bit in Europe and you've got a little bit in Asia, but still it's been dominated. One of the interesting elements of Cybersecurity is that there's such a massive shortage of human capital in the cybersecurity world. I'll give you an example. When I take a look at this space in this sector and think long-term, here's what I think. First, we all know cyber-crime is going to continue to increase. Second, we all know that companies need to continuously increase their spending on cybersecurity. What's really interesting is that it's a nondiscretionary spend. You're never going to have a CEO of a major fortune 500 company after a terrible financial quarter stand up in front of their shareholders and their board and say, we've had to cut our spending on cybersecurity.   Rob: Right.   Raj: They will say that we've decided to close some offices, or that were the first certain initiatives, but they're never going to reduce their spending on cybersecurity because it's death if they get breached. Equifax, about two years ago, got a breach of 143 million records, right?   Rob: Stock dropped like crazy.   Raj: 35% drop and still hasn't recovered. Why hasn't it recovered? Because everybody left Equifax and went to companies like Transunion and never went back.   Rob: They don't have the confidence, right?   Raj: They don't have the confidence. You can imagine what it would be like for, let's say a bank, where if you lose that customer confidence they'll just go to another bank. They may never come back, and you spent all that money to acquire that customer, and tens of years to get there, you never want to lose it. It's really important. Then the third part to it is that a lot of people don't know that cyber security is one of the very few sectors today that actually has negative unemployment. There is a shortage of about 3 million people, meaning there are 3 million job vacancies in the cybersecurity world. What has happened is a lot of the largest companies, government agencies, fortune 500s or banks, contract out a huge portion of their cyber security work. Typically, a Canadian Bank for example, might have between 3 to 5 million attempted breaches per day. They need a cyber security company to help them weed through the real threats and the artificial threats as well. When you look at a product like that, the investment thesis behind it is yes, cybercrime is going to continue to increase. Companies need to continuously increase their spending on cybersecurity, making it somewhat recession proof. Finally, there's a shortage of human capital, a massive shortage of human capital, which means most of the work needs to be contracted out. If you're CEO of a fortune 500 company, are you going to contract out that work to a small private cybersecurity company or are you going to contract …   Rob: Publicly listed.   Raj: Bingo. So that's that fund. So that fund …   Rob: How's it done?   Raj: First of all, it ended up being the top performing equity ETF from Canada last year.   Rob: Wow.   Raj: Right now, we launched at the end of September, so we're, what, call it a year and eight months, and we're up over 50%.   Rob: Wow.   Raj: From point to point and not been an easy market the last year and a half …   Rob: Right.   Raj: … it's performing incredibly well, but what I love about it is the long-term investment thesis is strong. And then another example of that would be our Future of the Automobile ETF.   Rob: Yeah. You know what, let's talk about Canada's first future car ETF. I'm here with Raj Lala, CEO of Evolve ETFs. Raj, why would someone launch a future cars ETF?   Raj: I think that the next 10 years will be the biggest transformation in the automotive industry, not just of our lifetime, but in history.   Rob: Do you think oil is going to eventually not be a player at all?   Raj: I think what's interesting is the misconception as to how much of oil demand is derived from automobiles. It's not as much as you think it is. It's about 20%.   Rob: Right.   Raj: Oil is used for so many other things, right? So, yes, I believe that in the next 10 years, that 20% will shrink dramatically for sure. Because we have countries today like India and China who have both publicly declared that they will ban the combustible engine in the next 10 to 15 years – China in 2030, India in 2035.   Rob: Okay. So, this ETF, how does it play that?   Raj: When I looked at – again, the long-term trends are shaping our world – the long-term trend, I'm a firm believer that in the next 5 to 10 years, we will have self-driving cars on the road, autonomous cars. I'm a firm believer that electric vehicles will continue to rise in popularity, especially as the cost comes down and it is coming down. The cost of manufacturing the battery is coming down, countries are putting in place policies ...   Rob: Infrastructure's improving.   Raj: … Infrastructure's improving, the auto manufacturers are moving from combustible engine, to hybrid, to eventually full electric. You're seeing all of that. I mean, more electric vehicles were sold last year than all other years combined. China's producing about 39 million electric vehicles right now. They have that much demand at the moment. You're seeing all of this taking place. On the electric side it's firmly embedded. It's firmly going to continue on the self-driving side. I do believe that you're eventually going to have self-driving cars. In fact, I was just talking to a couple of other people about it, and I said I think in the next 12 months, most people here in Canada will actually have their first experience in a self-driving car. Somebody will be sitting at the steering wheel, but they won't be touching anything. They'll just be there to make sure that the car is safe. But we are definitely getting to the point where the technology is there. And I'll give you an interesting stat. In order to power a self-driving car, a semiconductor chip needs to have the ability to make 10 million decisions per second.   Rob: Okay.   Raj: That's how many decisions you and I are making per second when we're driving. Now you could think that doesn't make any sense, because I know I'm not making 10 million decisions per second. You are, it's just subconscious. Right now, the best something semiconductor chips can power about 4 million decisions per second. So, we're still 40% of where we need to be to power a self-driving car.   Rob: There's not enough computation power right now to drive, is what you're saying?   Raj: Right. The way it works in self driving cars is level 5 would be a fully self-driving car. Today we're at about level 3.5, so we still have a ways to go to get there, and then we've got to deal with legislation, and then we've got to deal with insurance. If you get into an accident, who has the insurance claim? You're not driving the car, so it was that the auto manufacturers. That's all the stuff that still needs to get sorted out. But I believe that we're getting there, and that the amount of increase in safety that it's going to create, and also decrease the amount of traffic and congestion. I live in Toronto and I know how bad the traffic is, and self-driving cars would be great. Then the other side to that business is also the shared. Shared is a super interesting side of the business. when I'm talking to 65 or 70-year old's, and their grandparents, I say to them, if you're thinking about saving money for buying your grandchild a car, go on a trip. Don't waste your money. Because as kids are getting older, they actually don't want to drive. Most kids don't want to drive, they want to be Ubered or Lifted around. Or they might even consider a shared a model where they have a partial ownership of a car, but they don't actually even really want to own a car. Very different than when we grew up.   Rob: I couldn't wait to save money to buy my first car.   Raj: Right. I couldn't wait until I could get my driver's license and drive my Dad's Monte-Carlo around, and eventually get my own car. It's different. Younger people are different today. They don't want it. The shared side is also another aspect of this. That fund really kind of encapsulates what is actually like   Rob: What are the companies that we're buying? Are we buying like Waymo and those kinds companies?   Raj: Great question. Well, although Waymo is making a lot of progress and …     Rob: And Waymo is Google's self-driving car.   Raj: Yeah. Although Waymo is making a lot of progress and some people think they're the front runner, the challenge with Waymo is, unless Google spins it out, we would have to buy Google. And so how do you do it then? What are you actually buying? Typically, you would have to generate between 25 to 35% of your overall revenue from these aspects 25 months ago. And Waymo is not generating. Waymo is not making up 25% of Google's revenue as an example rate. It has to be more of a pure play. And what we also did was we equal weighted this fund instead of market cap weight. And the reason we did that was because if we market cap weighted it then investors would basically just have a lot of exposure to the car manufacturers. Rob: Right.   Raj: What we wanted was to give investors the experience of having exposure to the supply chain, the companies that are creating the batteries, the companies that are creating the semiconductors, the technology that's going into self-driving cars, electric vehicles.   Rob: So is this one an index or is this one …   Raj: It is.   Rob: It's an index as well as, and there'll be some supply chain, there'll be some car manufacturers, there'll be some battery makers, there'll be all of that.   Raj: You got it.   Rob: Nice, very interesting.   Raj: And then one other fund that ties into those two, which I think is always relevant is the Innovation Fund. The TSS ticker for that is edge. The reason we created that was because when we were talking to a lot of advisors, and we're talking to a lot of clients, you know, we, we heard them say to us that I love your cyber security ETF, I love your Future of the Automobiles ETF. Don't know how it fits into my portfolio. So, could you create something that becomes kind of a catchall to all the disruptive industries and companies that are really shaping our world over the course of the next 10 years? We created Edge to basically be that proxy. So effectively, it has six buckets; in in a week from now, we'll actually have seven buckets, but six buckets. One bucket allocates to our cybersecurity ETF, one bucket allocates – and it's all equal, so, one sixth in each – one allocates to the Future of the Automobile. Then it also allocates to Robotics and Automation, and also to Data, Genomics and Social Media. All of the industries gives you a more diversified way to invest in everything that is shaping our world. And you know, it's a super interesting world, there's a lot of things that are going to change. I'm actually a firm believer that in the next 10 years most of us will have robots living in our house. We'll have cars and …   Rob: Not just doing our vacuuming,   Raj: No, not just doing our vacuuming. First robot was actually the dishwasher. That was the first official encounter with a robot. And now it's the vacuum or the Roomba. Now we're migrating because artificial intelligence is becoming so strong, which is super important. We will have robots performing surgeries on us without that nine month wait list. It's a super exciting world. And these are all the industries and the companies and sectors that are changing it, and making it better.   Rob: I'm here with Raj Lala CEO of Evolve ETFs. Let's talk briefly about cannabis ETFs. There's a lot of talk that's been about HMMJ, kind of the first ETF that came out. You guys approached it a little differently. Tell me about the two that you have on the shelf now.   Raj: Yeah, good question. When we started looking at the cannabis space, I started looking at it actually a few years ago and decided not to launch a product because I just still didn't feel like the social stigma was positive enough towards cannabis. This was pre legalization of course. Then we started getting more comfortable and started taking a closer look at it. What we decided as a firm is that we felt that it made a lot of sense to take an active approach to this market, because there's a lot of things at play that are a little bit unique to the space, legislation, momentum, things like that. It's a niche play. We have two – as you mentioned – we have two cannabis funds. One that's kind of Canadian/Global, and then one that we launched just about two months ago, which was actually the first in the world focused on the US space. I'll talk really quickly about both. The Canada global one has been around for about a year and a half now, and over the last year, the top performing ETF actually in Canada.   Rob: It was up like 40% or something like that?   Raj: Yeah, up about 43% for the one year. It's done incredibly well, and our management team has done a fantastic job of managing it.   Rob: How many those names would be in that one?   Raj: There're about 35 names in it.   Rob: So that's an actively managed ETF. Management is picking stock selection that's happening in there. Arbitrage, you're trying to find deals that are going to come. Overprice; is it long short or is it strictly long?   Raj: Strictly long.   Rob: Strictly long, and you're trying to find value.   Raj: Very little in privates. Like you know, we can only allocate about 10% into privates. But what the guys did, I think where they really generated some strong alpha would have been in Q3/Q4 of last year. Leading up to legalization in October, we took the view about a month and a half prior to legalization that the euphoria that was going to go into the space was going to go into the big names, the Aphrias, the Canopies, the Auroras of the world. We went overweight into those names, a week and a half to two weeks prior to legalization. The team took the view that there's not a chance that post legalization reality is going to live up to all this hype. What they did was they went way under on the large caps and they also started to allocate to some of the tertiary businesses like the Scott's Miracle Grow. In that two-month period, we added about close to 20% Alpha versus the passive index. The active approach has really worked well for us in that fund. As we started to focus on that fund, we started to recognize the opportunity that exists in the US cannabis space. Looked at stats like Planet 13, which is a big dispensary business in the US, had more revenue than Kronos, but had one 20th the market cap of Kronos. The US companies were way undervalued. Part of it was because there's a lot of legislative things to deal with in the US as it's not federally legal yet in the US, but we hope that that's going to change the next couple years. But then you have States Act, Farm Act, Safe Act, all these things that are kind of coming into play at the moment and went, and US companies cannot also list in the US right now, so they're listing here in Canada. But the opportunity is massive. We look at the US opportunity to be kind of like the way the Canadian opportunity was like three years ago.   Rob: You're trying to get ahead of the bump there.   Raj: What we try to do with our business, is always try and look forward. I try to stay away from, oh this is a sector that has performed the best over the last five years, so let's launch this product. If you don't have the conviction or the strength to believe that it's going to continue for the next five years, then I don't think you should do it. You should be thinking early stages. Like for example, we launched a Materials and Mining Needs ETF just last month. It's not a popular sector, right? It's been beaten and battered and bruised. But we believe that that's a sector that's going to recover over the course of the next couple of years and we want to be there for that recovery. So, the same type of logic. On the US side for cannabis, our view is that as legislation starts to become more friendly towards cannabis companies, you're going to start to see more value go into those stocks, more investors moving into them eventually. They'll also be listing in the U S which will be a lot easier for Americans to buy, versus trying to buy a Canadian listed stock. As you and I both know, the potential of the US market is always 10 or more to 1 versus Canada. The big advantage that they've got, like you look at California, which is the interesting one, California …   Rob: The size of Canada. Raj: Right, similar size. But they allowed them to brand the products and market them properly and things like that. We don't unfortunately have that hear in Canada, so the US will most likely displace Canada in many ways in that space. We want to be there early.   Rob: And these are listed companies in Canada that are in the ETF?   Raj: That's right.   Rob: It's a real neat idea. Congrats, and want to talk about one more. It's really interesting to me. I'm here with Raj Lala, CEO of Evolve ETFs. Let's talk about Hero. The ETF that you guys launched about Canada's first e-gaming ETF. I played a lot of video games and as a kid, I still wish I had more time to play them. What's Hero?   Raj: I love this fund. It's an interesting story. I would say about nine months ago, multiple people brought the idea to me; have you looked at the gaming industry, because it's really taken off in a big way. I have two 11-year-old daughters that do not really spend much time gaming. I think my mom spends more time gaming because she plays a lot of candy crush cause she's retired. I was looking at that whole space and I was like, I don't see. And then as I started to really drill down into it, I was like, wow, this is a massive, massive space. There are today 2.2 billion gamers in the world. A gamer would be defined as somebody that spends six hours or more a week gaming. Okay, so 2.2 billion. That's a third of the population …   Rob: That's a lot of time, a lot of time.   Raj: That's a lot of time, and it's a third of the population. Most of it is on people's smartphones. So originally, I was thinking, okay, but how does this make a lot of sense? Because when I think of video gaming, I think about, yeah, when you and I were teenagers, we were playing video games or in today's world, you've got your teenager up in their room playing video games or in the basement or what have you, and then realized how big the market was because it is people like retired people playing candy crush and word search games, things like that. It is 40 something year olds. I've got friends that are 40 something years old, working on the trading desks at the banks, that wake up on a Saturday morning and they hop online and play an e-sport together with their friends for three, four hours. The demographics for this are enormous. That's interesting. Then I started to take a closer look at the business model of these companies. And that's where I would say I had my aha moment that we need to launch this type of product. Because in our days when, we wanted to play video games, we would go to the store, buy the cartridge or the CD, we'd come home, we'd plug it into the console, and away we went, right? But that's where the revenue stopped for the game manufacturer. In today's world, they have an entire vertical of revenue. So, Fortnite as an example …   Rob: It's unbelievable.   Raj: It's a free game, right? But where they make their money is the boosters, the weapons, the players, all that kind of stuff. Right? But companies like Tencent effectively and directly owns Fortnite. But technically it's not just creating the revenue off that game. What these game manufacturers are also doing, like Activision, Blizzard, EA and Tencent is that they're creating the leagues that people compete in.   Rob: Yes.   Raj: And then they create the events. The events are very interesting. Last year, Dota 2 was a big event, actually the biggest event so far. It was actually in Vancouver. They had over a hundred million people. League of legends as well, had over a hundred million people watching it. So not just filling stadiums to watch people play games, which surprised me, but watching online. Today, 11% of all YouTube video viewing hours is about gaming. Twitch, which is owned by Amazon, is all about gaming. These companies have created an entire vertical of revenue for the game. Then it leads to media rights, cause now ESPN is broadcasting, TSN is broadcasting. Then at leads to sponsorship rights. You can see how the business model has morphed, evolved and improved significantly for these game manufacturers, which I find super interesting. I never thought in my lifetime that people would go and fill stadiums to watch other people play games. But they have. And so, when I look at this and I look at how it's just starting now, you've got 5G coming. When 5G comes, it means that graphics are going to improve in games, it's going to be faster to play online. 5G is going to change a lot of things of course, but gaming is definitely one of them. You're seeing it, and Fortnite is a great example. You know the average revenue generated per user is getting close to $100. It's $96 right now per user. Give you something to equate that to the average revenue per user on Facebook, Google, Twitch is about $25. Fortnite is generating four times more revenue per user than some of these others because they've built a great business model off of this. I mean, how many times do you here this story, that my teenager needs to take my credit card. That's why they use PayPal now because they want to buy boosters and weapons and things like that. I look at all of that and I think this is a real business. A lot of people have their eyes on this sector. And I thought, okay, so I get the business model, I get the investment case; let's create a passive index. It's passive market cap weighted.  We just launched it last month. So, it's very new. Probably my favorite ticker that we have as well. The ticker for it is here. So far so good.   Rob: Nice. Okay, good. Hey, you guys also have some income stuff as well as some actively managed. Real briefly want to touch on some of the covered call strategies that you guys use. Generally, why would someone want to do that?   Raj: Yeah, covered call strategies are interesting because what they could do is, they could subsidize income and they can help potentially moot some of the downside risk. Effectively, the way a covered call would work is you are going to end up giving up a little bit of your upside potential, but you're not going to have as much downside risk as well. And in return for that, you're going to generate some yields. There're premiums generated based on the covered calls. We have one fund, the ticker's life that's global healthcare. It's a passive index of the 20 largest global healthcare companies. And then our team does an active covered call overlay on up to a third of the portfolio. They take a passive, and they put a covered call overlay onto it. We also have done the exact same thing for big US banks. And as I mentioned before, we just launched one on materials and mining. Right now, depending on the fund, those are our three covered calls strategies. Right now, between 7 and 8%, a yield that's being generated between the dividends on the stocks, plus the premiums from the calls. And then the other one that has, as I mentioned at the beginning, emerged as our flagship, is our preferred share fund. I think it's starting to get a lot more attention now, perhaps have been beaten up over the last six to nine months. It's not been easy for them, but where can you get a 5.5 to 6% tax advantage yield in today's world, pretty tough to find. It's pretty tough to find …   Rob: Doesn't exist really. I mean there's a real estate space that can give you something comparable, but it's a different risk profile for sure. Different volatility profile tool.   Raj: Absolutely. I think that fund is going to start resonating again as people start to recognize that the pref space, because the pref space is one of the only sectors or asset classes that hasn't recovered yet, unlike the equity markets. We think that over the next little while that fund's going to perform well.   Rob: All right folks, you heard it here, the preferred market's going to come back. Fantastic, great to have you here. Appreciate the time. Always good to talk about ETFs, huge part of, I think any portfolio managers toolbox, especially the niche stuff that you guys are doing really, really interesting. We're thankful for your time. Thanks for being here.   Raj: Thanks.

Welcome to Finance and Fury The ASX is sitting around a high mark.  But there is a lot of talk about recessions, analysis talking about share corrections, not a lot of optimism – Has there ever been?   Don’t really see many articles with positive outlook on the economy Important to remember – Don’t trust journalists to make investment calls Bad track record- European debt crisis, Brexit, Trump getting elected, trade wars, actual wars – GFC? Paying attention to the media yields some of the worst investment returns – emotions and fall into crowd Today ep – want to look at share market corrections, what signs are pointing towards, then how to not get stung If you have been listening – eps at the moment might come across as doom and gloom as well Apologise if it comes off that way – only intention is to inform but also provide ways out Not prophesising - Point of those episode is to let you know what can happen – not when or the magnitude Are we going to crash? Might surprise you after what I just said – but we will 100% have another share market crash – but Who knows when it will occur! Investing in shares – you are 100% guaranteed to see a downturn in the portfolio value But from high point – not original capital invested – what goes up, comes down – Important point is to try and avoid losing the value of what you originally invest major stock market correction is possible Levels – looking back – 10-25% range potential - for whatever reason – that would be a significant decline Can be scary Riding out the decline – Buying companies – shares = ownership in a business – either domestically or OS Make sure the companies you buy are good – doesn’t matter what short term valuations say then own quality investments and ride out the correction – confidence – will the company go out of business Not – will my share price go to zero – that is hard to comprehend – but will the company go out of business – that is the important part   Where is our share market in relations to economy - Australian shares are near record highs while interest rates are near record lows RBA - Lowe admitted - did not understand why bond market priced in for a recession while the sharemarket was screaming boom times ahead disconnect between the two usually means that one market will be "spectacularly wrong" Bond market – due to rates dropping, yields are also dropping – especially future yield spreads What does this mean – Bonds have a maturity date – buying debt – has a date when you get the money back If something has a 2 year timeframe with a 1% yield versus 10 years with 1.5% = .5% spread Shows that the interest rates will be increasing over the next 10 years What has happened – Compare now, 1 month ago, 6 months ago Short term – 2y and 4y – same now and 1m – 1% - but 6m 1.8% Medium term – 10y – 1.4%, 1.3% and 2.3% Long term – 30y – 2%, 2%, 2.8% Share market Australian share market not heavily overvalued – PE Ratios Our share market is doing well in growth But share markets normally improve with the economy, but it is rising as the RBA is lowering interest rates to help the economy along (opposite signal) 12 month forward PE   Either Bonds, shares, or nobody is correct   no-one can predict with certainty what will happen to the sharemarket next. If business growth continues to slow, share markets will be the incorrect ones – and the market will take a downturn market analysts look at charts of the ups and downs of share price movements to gauge trends Relative Strength Index (RSI) rises above a critical line - trading above the RSI looks like it has some room to run – but after a peak there is a decline – sometimes 3%, sometimes 10-20% - recently went through 10% PEs aren’t outside of range of normal – little above May be the case People are buying based around future expected growth – get in before it is gone   Few scenarios – hypothetical - We see no growth in a few months to years – event RBA has no room to drop rates – share market panics as the predictions weren’t true and tries to be the first to sell Fed – holding off raising rates now – but need a 4% buffer We see an uptick in growth – RBA does except this in the next 6 to 12 months – Share market doesn’t charge ahead, but keeps growing steadily Collapse of derivative debt bubble – would be worst case – no signs – counter party obligations are huge though   So if I’m saying we can’t predict market crashes, what can you do? Buy quality shares or funds – what is quality What do they do? Something people will still use, or something that is almost impossible to shake people’s confidence on Diverse models for income – products, services – Amazon vs corner store Have low expenses – or if high, most is capex Are they consistently able to provide growth and dividend returns? Dividends are important part of a share – makes up a large chunk of return – Growth plus Income = Return Why? Companies with good divs has to come from profits and not too much of those as a percentage This is where comparing the earnings yield as well is important – the companies may be above average yield on Div, making market look cheap – but if the earnings are lower than what is paid out – only time until the divs drop back and the yields correct back in line with average, or lower. Also – as a market average, good sign of if market is overvalued – especially when compared to earnings ASX Dividend Yields – 4.2% average since 1980 – we are about there – 4-4.2% Signs of an overpriced market? Low Div yeidls – From start of 1984 to Aug 1987 – 4% to 2.5% From October to end of 1990 – rose to almost 7% - same peak reached at bottom of GFC Healthy dividends are a great measures of a company that survives collapses By healthy – mean they have growing profits – from diverse sources – the can afford to pay tax + FC – DPR isn’t too high – Telstra Pre GFC – grew quickly – hits 40c in 2006 – special cash payments back – but GFC hits and they cut to Div of 28c p.a. - .14 a pop – back to similar levels of early 2000s to 2005 – but set a message to the market – set dividend rate – poor decision as what if the EPS is less that 28c Become 85%, 90, 108% - banking off the NBN – then chose to increase Divs – 90% DPR – how can a company grow with only 10% earnings are retained – limited capital investments Debt levels are important- interest coverage – Issues with some companies – total capital is made up of equity (what shareholders have) and Debt Debtors get money first – and the debt doesn’t decline – unlike equity if price drops i.e. too much debt and price drops – nothing left for shareholders Other things – watch out for companies spending all their retained profits in share buybacks Share buybacks are a sign of either companies thinking their price is cheap, or they have nothing better to spend money on, so reduce supply and price goes up – but at cost of future growth if miss opportunities When companies favour this – especially using leverage due to low rates – sign the company may be in for a tumble if the market goes down a bit   Looking at most companies – they look healthy enough Remember one thing – shares are volatile – but are the highest returning investments over the ultra-long-term – 20 to 30 years or so. even better than property, cash, gold, timber, silver and tulips has the unlimited potential of decades you’re But as long as there are more businesses while also providing more and better services/goods to people. Break up the risk through investing consistently - cash set aside for financial emergencies is important dollar-cost averaging – breaking up cash if holding a lot – or natural form from surplus cash Do it from cashflow - Spend less than you earn – invest the rest – regardless of what your fears or greed If you would like to get in contact you can do so here.  Returns if dividends are reinvested

How do you mobilize thousands of firefighters to tame a terror that could ravage lives and billions? On this episode of Follow Your Different™, Retired Battalion Chief TJ Welch tells us how. He shares a riveting story of leadership applicable to real life, how preparation is key to saving thousands, and so much more. TJ Welch – Starting Out in the City TJ spent the first years of his career dealing with brush fires and structural fires. He also had his fair share of wildland fires as a chief officer. But he and other city firefighters pretty much only stood guard in front of the houses. It wasn't until the late ‘90s when they made full use of city firefighters. They went to timber and brush areas to stop fires and perform other operations. “This was my moment where it kind of changed my perspective of my role as a chief officer.” – TJ Welch Wildland Fire in Numbers Back in the day, the biggest of wildland fires reached up to 160 thousand acres, which is equal to the same number of football fields. This number has been expanding in recent years, reaching up to 200 thousand acres of wildland catching fire. The terrifying numbers make sense when taken in the context of the number of residences, the timber that is involved, how exposed the wood is, and how quickly it burns. These wildland fires burn a couple of football fields per second. They are impossible to outrun and risk many lives. There's a lot of reasons as to why wildland fires catch so quickly. On the other hand, timber could take a while to dry and get moisture back. With the drought that has gone on for so many years along with other forest products left out in the open, the wildland fires have become more gigantic. A Turning Point There was one fire that forever changed TJ. This gave way to a collective effort to train firefighters in the art of effective mobilization when tempering these massive fires. “When I left that fire, I said I'm not gonna be so ignorant when I come to another wildland fire.” – TJ Welch To hear more about how California firefighters move as a unit and how TJ dealt with the massive responsibility of being a leader, download and listen to the episode. Bio: TJ Welch is a 32 year veteran of the fire service. Throughout the course of his career he served in volunteer, industrial and municipal fire departments. TJ was a member of CAL Fire ICT 3 from 1997-2005 and a founding member of CICCS. He was a qualified Type OSC2, OPBD, DIVS and STEN. TJ retired in 2014 as Battalion Chief with Alameda County Fire Department. He currently teaches and writes Officer courses for OSFM, and is an Firefighter Safety Specialist for California Department of Public Health and NIOSH where he investigates firefighter line of duty deaths. Links: How to donate to victims of the Butte/Camp Fires in California: Camp fire victims Northern California fire victims Survivors of Butte County's Camp Fire Background on the Butte aka the “camp fire”: The deadliest, most destructive wildfire in California's history has finally been contained Paradise lost: the town incinerated by California's deadliest wildfire – video After a Wildfire, Rebuilding Life Can Be Hardest for the Oldest We hope you enjoyed TJ Welch on this episode of Follow Your Different™! Christopher loves hearing from his listeners. Feel free to email him, connect on Facebook, Twitter, Instagram and subscribe on iTunes!

Cody and Steve are fresh off their fantasy football home league draft, where they offer a nugget of wisdom and advice for your upcoming draft. Then Steve shared a list of the suckiest ways to lose a sports game and Cody rattles off the top 5 minor league baseball promotions. And by top 5, we mean strangest and wackiest. To round out the episode, the boys go through the AFC and NFC West Divisions to predict season win totals to help your pre-season gambling problem. 

En Ágora Historia ESPECIAL Verano 05_2018 tenemos lo siguiente: - La primera entrevista nos lleva hasta oriente. Recibimos a Laura Castro, Historiadora del arte, que nos habla de demonios “divs” y el libro Shabrang Nameh. Nos vamos hasta la Edad Media en Oriente. - En segundo lugar conocemos en profundidad en qué consitió el Concilio de Elvira, primer concilio que se celebró en la Hispania Bætica por la iglesia cristiana. Conoceremos este asunto con el historiador Jesus Galisteo Leiva. - Y en tercer lugar, junto al director de Desperta Ferro Historia Antigua y Medieval, Eduardo Kavanagh, ahondaremos en el Califato Omeya. Para entender el presente es necesario entender al pasado y más aún en este caso. www.agorahistoria.com http://www.facebook.com/agorahistoriaprograma Twitter: @agorahistoria

WP Builds Newsletter #22 - WordPress 4.9.8 improvements, UI fun and weird divs

WP Builds Newsletter #22 - WordPress 4.9.8 improvements, UI fun and weird divs

En Ágora Historia 218 tenemos lo siguiente: - En el primer gran bloque de hoy recibimos a Laura Castro, Historiadora del arte, que nos habla de demonios "divs" y el «Shabrang-nāmeh». Podéis ller el artículos y muchos otro en "La plumas de Simirgh". - En la segunda parte, de la mano de Eduardo Kavanagh, director de la revista Desperta Ferro Hª antigua y medieval, visitamos la Roma del S. II d.C para conocer todos los detalles de la legión romana. - Y en tercer lugar recibimos a Miguel Botella, antropólogo forense, que nos da los datos sobre el reciente estudio en Egipto del caso más antiguo constatado de ls historia de cáncer de mama. Además nos hbla de otros estudio reallizados en otros cuerpos encontrados en la misma zona. - Manuel Campos, de Metahistoria, nos acerca las novedes y la agenda cultural. www.agorahistoria.com http://www.facebook.com/agorahistoriaprograma Twitter: @agorahistoria

This lesson covers how students can layout elements of their site using AP Divs, the modern web design technology which offers a great deal of flexibility in the lay out of webpages versus using traditional HTML tables and cells. While not all websites require AP Divs for image or even text placement, some students will need to employ these in order to lay out their sites as they have been designed.

Adrian Wyllie, the Chair for the Libertarian Party of Florida, has become a burr in the side of the Pinellas County criminal justice system. His offense? Driving without a Real ID certified license in the State of Florida.  After over 2 months public provocation, the sheriffs department issued a citation.   Wyllie had his day in court- the results should surprise anyone.  We are joined in a discussion with Mr. Wyllie over these current events.  The legal battle over Real ID certified licenses in the State of Florida will continue to be challenged in a recently sponsored Tallahassee based legislation, HB 109 (R-Larry Ahern).   SOURCES: Adrian Wyllie protests by not renewing his Florida license  http://www.youtube.com/watch?v=UOTOenwxsQI CSPAN Homeland Security & Terrorism Threats Forum, as mentioned http://www.c-spanvideo.org/program/TerrorismThrea Renditions of efforts to implement State-to-Federal drivers license information sharing databases. DIVS: http://beatthechip.blogspot.com/2011/08/understanding-issuance-models.html RIDE : http://beatthechip.blogspot.com/2011/06/why-evve-ride-initiative-may-lead.html HR 2164- The Lawful Workforce Act - http://beatthechip.blogspot.com/2011/06/about-lamar-smiths-new-national.html Police pilots for body cameras  http://www.youtube.com/watch?v=nfEO5mrQRTg&feature=share MORIS the Biometric iPhone attachement  http://www.switched.com/2010/06/16/moris-iphone-app-lets-cops-instantly-id-criminals-with-snapshots/ Florida House Bill 109- Issuance and Renewal of Drivers Licenses and ID cards http://www.myfloridahouse.gov/Sections/Bills/billsdetail.aspx?BillId=47159

Beschreibung Der Podcast zeigt unterschiedliche Möglichkeiten für ein 3-Spaltiges CSS-Layout. Aufgrund der Gestaltung mittels floating-Divs ist die gleiche Höhe der Spalten im Gegensatz zu tabellenbasierten Layouts jedoch nicht trivial. An konkreten Beispielen wird zunächst das Problem aufgezeigt und unterschiedliche Lösungen beschrieben (Faux Columns, YUI Grids, pure CSS). © by podcast@michael-reiher.de

Dois dias antes do 10º Encontro de Webdesign em Curitiba, a organização do evento me convidou para substituir meu amigo Bechara, que teve de ser operado no apêndice. Topei o desafio só porque esse assunto não poderia faltar no evento. É a mudança mais importante no rumo do Webdesign nos últimos anos e o mercado curitibano não poderia ficar de fora. Quando comecei a preparar os slides fiquei pensando como eu iria dizer a 300 profissionais que muito do que sabiam sobre codificação HTML estava errado e que era preciso mudar. Se dissesse para esquercer as tabelas, como prega o discurso Tableless, certamente iria desanimar uns e revoltar outros. Se dissesse que eles precisariam conhecer todas as recomendações do W3C, desanimaria a todos. Inspirado na transição suave proposta por Jeffrey Zeldman, propus o movimento Tablelove. As tabelas quebraram nosso galho por muito tempo enquanto não haviam alternativas para marcar layout. Passar a odiá-las de uma hora para a outra não é saudável nem para os webdesigners, nem para as tabelas. Quem ama não abusa O primeiro passo do Tablelove é transferir a formatação inline (embutida na própria tag) para um arquivo separado de CSS. Com as propriedades de formatação do CSS é possível fazer muito mais com muito menos. As tabelas aninhadas (uma dentro da outra) diminuirão e o spacers.gif transparente não serão mais necessários. Só esse esforço de separação entre o conteúdo e a apresentação vai tornar a manutenção do código mais fácil e aumentar a acessibilidade da página. Quem ama quer sempre o melhor Originalmente as tabelas foram criadas para exibirem dados tabulados. Elas começaram a ser usadas para marcar layout porque não havia alternativa melhor na época, mas dessa forma estavam sendo mal tratadas. Eis um exemplo de tabela bem utilizada: Fruto Cor Sabor Banana Amarelo Doce Maçã Vermelha, Amarela ou Verde Doce Tomate Vermelho ou verde Salgado Quem ama trai Para substituir as tabelas na marcação do layout, é recomendável a utilização da tag DIV. Elas permitem posições mais flexíveis, precisas e ousadas. No CSS Zen Garden, um mesmo grupo de DIVs é rearranjado de centenas de formas diferentes para compor layouts impressionantes. Observe que o código HTML não muda, só muda a folha de estilos da página. Áudio da palestra e slides Os títulos sugestivos das lições do Tablelove ficam muito mais engraçados e memoráveis numa palestra ao vivo do que nesse texto. Para quem não estava no evento, segue o áudio da palestra que pode ser escutado junto com os slides. Padrões Web (Webstandards) [MP3] 1h e 30 minutos 14MBComente este post