Podcasts about Firebaugh

Firebaugh native Josh Allen named 2024 NFL Most Valuable Player Please Subscribe + Rate & Review KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson wherever you listen! --- KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi & E. Curtis Johnson – KMJ’s Afternoon Drive Weekdays 2-6 PM Pacific on News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Firebaugh native Josh Allen named 2024 NFL Most Valuable Player Please Subscribe + Rate & Review KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson wherever you listen! --- KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi & E. Curtis Johnson – KMJ’s Afternoon Drive Weekdays 2-6 PM Pacific on News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

In TikTok, Inc. v. Garland (consolidated with Firebaugh v. Garland) the Court is set to consider whether the Protecting Americans from Foreign Adversary Controlled Applications Act (PAFACA)(enacted by Congress in April 2024), as applied to petitioners, violates the First Amendment. Put forward as a law focused on national security, PAFACA would require that TikTok either […]

In TikTok, Inc. v. Garland (consolidated with Firebaugh v. Garland) the Court is set to consider whether the Protecting Americans from Foreign Adversary Controlled Applications Act (PAFACA)(enacted by Congress in April 2024), as applied to petitioners, violates the First Amendment.Put forward as a law focused on national security, PAFACA would require that TikTok either cease operations in the United States or have its parent company ByteDance sell off the American segment of the company by January 19, 2025. The government contends that TikTok poses a notable national security threat given the data it, as a foreign-owned company, collects on American users and the extent to which it could be used to control information (or disinformation) flow to American users. TikTok, along with several users, on the other hand, challenged the law, contending that while there may be a legitimate government interest in national security, the means employed in this case violate the free speech rights of both TikTok and its American users who use the platform to create content. The DC Circuit, in an opinion written by Judge Ginsburg, upheld the law against a First Amendment challenge.The Supreme Court granted cert on December 18, 2024, and oral argument is set for January 10, 2025. Join us for a panel Courthouse Steps program following oral argument.Featuring:Corbin K. Barthold, Internet Policy Counsel and Director of Appellate Litigation, TechFreedomChristian Corrigan, Solicitor General, Montana Attorney General's Office(Moderator) Casey Mattox, Vice President, Legal Strategy, Stand Together

Fresh off six of the most intense, and important, weeks of his career, Brian sits down with coworker, Joel Firebaugh, for a conversation around the 10X Push. With nearly all of his peers winding down their careers, Brian is making the aggressive move to ramp up. Leading yourself, and others, through an intense journey that culminates in a 3-year financial commitment isn't something to be taken lightly—but it just might be the thing that sets your life apart.  Learn more about Crossroads' 10X Push here.

Hi I'm The BBQ Queen! My name is Roxanne Miller. I am a Wife and a Mother of 3. I grew up in Firebaugh, CA and currently reside in Hanford, CA. I have always been passionate about cooking from a very young age. I loved to cook all types of food so BBQ just seemed like something that would be fun to learn. I started my instagram page in 2016 and chose the name because I thought it was cute. I quickly started growing a following and was cooking for my Instagram page almost daily. In 2017 I started selling BBQ lunch plates to friends and people who followed me. I cooked at my home and delivered them all over Fresno, CA. During this time I also joined a few competitions just to get my feel of the competition world. I purchased my Lang Smoker and fell even more in love with smoking meats.

Made for Mondays Week 5 - Joel FirebaughSupport the show

Mailbag questions or topic suggestions? Text us!What does it take to spark a revival among junior high students? Join us as we kick off Season 4 of "Beyond the Event" and introduce our exciting new video format! We promise you'll laugh along with us as we share on-camera bloopers and reflect on an unforgettable summer filled with God's surprises. Our special guest, Joel Firebaugh, Next Gen Pastor at Crossroads Church in Cincinnati, shares his firsthand experiences of a low-key revival and the astounding number of baptisms from their CIY summer events. Caleb and Brad also discuss the thrill of registration for the upcoming 2025 events and the joy of witnessing so many transformations.Curious about what makes a junior high small group successful? Chandler Key's humorous question sets the stage as we tackle the concept of "wins" in youth ministry. Michael emphasizes the importance of celebrating small victories and simply being a presence in the lives of students. Joel adds his perspective from overseeing kids and student ministries, including a recent milestone of nearly 300 baptisms. Together, we highlight the creation of inclusive spaces for unchurched students at youth camps, sharing powerful stories of transformation and offering practical strategies to make church activities welcoming for all attendees.Finally, we explore how to engage diverse groups within church settings and celebrate the success of camp events that welcomed unchurched participants without any issues. Caleb provides insights on fostering inclusive environments, and Joel talks about the collaborative efforts between Crossroads and CIY in creating impactful camp experiences. We delve into the significance of camps in the church's ministry and share strategies to make these transformative experiences accessible to everyone. Wrapping up, we express our heartfelt appreciation to Joel for his invaluable contributions and Caleb for his co-hosting, reminding listeners to stay tuned for more exciting episodes.Be sure to check out the new video version of this podcast on YouTube!Want to connect with us? Here's how!www.ciy.comyoutube.com/christinyouth@christinyouth on InstagramCIY Community Facebook GroupEmail us at podcast@ciy.com

This episode of the Momentum Ministry Partner's Podcast was filmed on location at Momentum Youth Conference! Join Eric Miller and main session speaker Joel Firebaugh as the two continue the discussion on student ministry culture to be a resource to you and your ministry.  Listen to Joel's session at Momentum 2024 HERE! ⬅️ Check out www.buildmomentum.org to learn more about our organization and how we seek to partner with local churches in order to equip today's young Christian leaders for tomorrow's opportunities. Submit your questions via email to info@buildmomentum.org. Follow Momentum Ministry Partners on: Instagram: @MomentumMinistryPartners Facebook:  @MomentumMinistryPartners YouTube: @MomentumMinistryPartners Subscribe and be sure to leave us your rating & review!

Did you know that California farmers produce nearly 75% of all cantaloupes grown in the US? That makes for a total of $300 million in nationwide market sales. In this episode, we slice into everything you wanted to know about melons with Western Growers' Michelle Rivera and Julia Nellis and special guest Garrett Patricio, President of Westside Produce and melon grower based in Firebaugh, California. Learn about what goes on behind the scenes on the melon farm and the practices and strategies farmers are putting in place to ensure the safety of your cantaloupes as they go from farm to table. You'll also learn some pro tips on how to tell when a melon is ripe for picking. If you're someone who knocks or taps on melons in the grocery store, we have a surprising revelation for you.

How does the Naval Academy balance the potential educational benefits of generative AI with the need to maintain educational integrity and the development of critical thinking skills in Midshipmen? Given the nuanced approach to AI in classroom settings, what challenges have you faced in implementing and enforcing policies on the use of generative AI, and how have these been addressed? How has the introduction of generative AI impacted the pedagogical approaches within the Academy, especially concerning the emphasis on the writing process over the final product? Finally, with generative AI technologies evolving rapidly, what future plans does the Naval Academy have to continuously adapt its educational strategies to ensure that Midshipmen remain competitive and ethically grounded leaders in the age of AI?Doctor Samara Firebaugh is the Academic Dean and Provost at the United States Naval Academy. In that role, she is responsible for the entire academic program for the 4,400-member Brigade of Midshipmen, oversees nearly 600 faculty members, and serves as the primary source of information and advice for the Superintendent regarding the education of midshipmen. Professor Firebaugh graduated magna cum laude from Princeton University with a Bachelor's degree in Electrical Engineering in 1995.  She received her Masters and PhD from the Massachusetts Institute of Technology in 1997 and 2001, respectively, both also in Electrical Engineering. Dr. Firebaugh's area of scholarship is microelectromechanical systems (MEMS), and particularly in integrated sensors and micro robotics. She is the 2014 recipient of the Class of 1951 Civilian Faculty Award for Excellence in Teaching, and the 2012 recipient of the Raouf Award for Excellence in Engineering Teaching. 

On today's episode, Vicky Boyd hears from Aaron Barcellos, who grows asparagus near Firebaugh, on how the 2024 season has progressed.

On today's episode, Vicky Boyd hears from Firebaugh-area producer Joe Del Bosque about how reduced federal water allocations impact his farm and workers.

In network marketing, it's not about the company or the product; it's about the vision, the words you speak, and the strong belief in your destination. Join us in this episode as Dr. Doug Firebaugh, CEO of WealthFuel, tells how to become a true legend in the world of Network Marketing. Dr. Doug touches on the several game-changing values in the industry such as mentorship, choosing the right opportunity, and developing genuine chemistry with both the company and its products. Beyond that, he also explains the importance of changing one's self-image—how it can transform your journey as you project your vision into the future. As a bonus, Dr. Doug shares a sneak peak on his upcoming book, “Legend” that reveals the secrets to becoming a network marketing legend. Tune in now and turn your network marketing dreams into reality.No Catch! No Gimmicks! Get 3 Free Leads a Day for the Next 10 Days! That's 30 Free Instant Live Leads. CLICK HERE! For PR application, CLICK HERE!

Matt is joined by Wayne Firebaugh, INVICTUS member and radio host of "Fireproof Your Money." Wayne shared his wisdom on the significance of having well-documented beliefs as a rock-solid foundation for client meetings and decision-making, and stressed the need for adaptability, underlining that beliefs can evolve over time. Moreover, Matt and Wayne explored the art of simplification and repetition in financial communication, a skill Wayne has honed through his radio experience.  https://bit.ly/3QwlogU

This episode was filmed on location at Momentum Youth Conference. Listen as Eric Miller sits down with main session speaker and lead student pastor at Crossroads Church in Cincinnati, OH, Joel Firebaugh. Tune in as the two have a conversation on student ministry, culture, developing leaders, the impact of Momentum, and so much more!    Check out www.buildmomentum.org to learn more about our organization and how we seek to partner with local churches in order to equip today's young Christian leaders for tomorrow's opportunities. Submit your questions via email to info@buildmomentum.org.  Follow Momentum Ministry Partners on: Instagram: @MomentumMinistryPartners Facebook:  @MomentumMinistryPartners YouTube: @MomentumMinistryPartners Subscribe and be sure to leave us your rating & review!

Firebaugh has a 2500 foot sandbag wall to protect it from flooding, in Tulare County people are driving trucks into water breaches and near Shaver Lake there was an avalanche. Fresno County OES is busy.See omnystudio.com/listener for privacy information.

From Yosemite Lakes to Firebaugh, Jeff Aiello was out storm chasing and found a... scud.  He explains.See omnystudio.com/listener for privacy information.

In this episode, we talk to the co-chairs of VSAE's Early Career Professionals Task Force, Laiya Rollins, membership and workforce initiatives manager at LeadingAge Virginia, and Lucy Firebaugh, communications and membership specialist for the Association of Consulting Foresters. Join us for a conversation about the importance of young and emerging professionals within VSAE and the association community as a whole, as well as networking, mentorship, and leadership development.  Show notes Laiya Rollins is the Membership & Workforce Initiatives Manager at LeadingAge Virginia, the association of not-for-profit aging services organizations serving residents and providers across the senior care continuum. She is responsible for the Association's membership & sponsorship recruitment and services function; including website-database management, and coordinates the Association's workforce initiatives. Laiya is a member of the Virginia Society of Association Executives and serves on their Early Career Professionals Group as a co-chair, the Young NonProfit Professional Network serving on their Leadership Team as well as the American Society Association Executives. She attended Old Dominion University, majoring in Business Administration with a focus on Human Resources. Laiya is from Norfolk, Virginia and now resides in the Richmond area with her husband DJ and three young daughters: Elliana, Autumn and Milani.   Lucy Firebaugh is the Communications & Membership Specialist for the Association of Consulting Foresters (ACF), a national organization headquartered in Williamsburg, Virginia. She is responsible for the overall communications of ACF including developing social media and website content, newsletters, and other various publications. She also handles all membership related inquiries and assists landowners who reach out seeking a professional ACF consulting forester in their area. Lucy is a member of the Virginia Society of Association Executives and serves on their Membership Committee and Early Career Professionals Group. Lucy grew up in Glen Allen, Virginia just outside of Richmond and now resides in Prince George, Virginia with her fiancée Matthew and beagle companion Tyson. She graduated from Appalachian State University with a B.A. in Communications with a concentration in Advertising.   This podcast is produced by Association Briefings.

In this episode Bo and Dave have a conversation with Joel Firebaugh who is the Lead Student Pastor at Crossroads Church in Cincinnati about Starting Over. If you are starting over at a new church, starting in ministry for the first time, or been at your ministry role for years this episode is a wealth of wisdom to lead in a healthy way. We talk about how to assess the ministry, how long it takes to build trust, what expectations need to be clarified and agreed upon along with a timeline to accomplish that plan and how we win homefield with our family. You don't want to miss this important episode. Joel Firebaugh Bio He serves as the lead student pastor at Crossroads Church in Cincinnati, OH. Crossroads is one church in 11 different locations with over 20,000 in attendance. Joel brings a wealth of knowledge and insight to student pastors everywhere.  Joel gets excited about spending time with his wife, Anna, connecting students to Jesus, and doing poorly executed magic tricks. Joel's passion is helping the next generation take the next steps in their faith journey with Jesus! https://www.crossroads.net/ LEADSTART COACHING PLAN https://www.lead222.com/resources/leadstart Email dave@lead222.com to find out more WATCH PODCAST EPISODES AND MORE ON THE LEAD222 PODCAST YOUTUBE CHANNEL https://www.youtube.com/channel/UCenzHcTH0LXGyYyyFb4O5MQ Book Referenced: Speed of Trust by Stephen Covey https://www.amazon.com/SPEED-Trust-Thing-Changes-Everything-ebook/dp/B000MGATWG/ref=sr_1_1?crid=Y3JZOTIBWV06&keywords=speed+of+trust+by+stephen+covey&qid=1675273963&sprefix=speed+of+trust%2Caps%2C116&sr=8-1 FOLLOW US ON INSTAGRAM: @Lead.222 ------- Did this conversation resonate with you?  We want to hear from you! Write us at dave@lead222.com Help us grow the community! Subscribe, share, and leave a review. For more information about Lead222 or find a community of leaders in your area: www.lead222.com  LEADSTAFFING www.Lead222/staffing.com Contact Dave at Dave@lead222.comFOLLOW US ON INSTAGRAM: @Lead.222

Amanda Fleming, who ran for state Assembly last year, then won an election for Firebaugh city clerk in November, has been charged with election fraud.  The Fresno County District Attorney's Office said Fleming, also known as Amanda Speakes, “is alleged to have submitted, under penalty of perjury, a candidate application that represented her Firebaugh business address to be her residential address when she ran for Firebaugh City Clerk in 2022. Fleming's true residential address is outside the City of Firebaugh, which would have disqualified her from running for the City Clerk position.”  Piers Morgan Has A Heated Interview With Rambling Alex Jones 10 Years After Viral CNN Argument  With the risk of fentanyl overdoses on the rise among teens, one Valley school district is aiming to prevent a tragedy on-campus.  If you like to daydream about what you'd do with a billion-dollar payday, Powerball and Mega Millions lotteries are giving you more chances than ever: for several reasons, eye-popping jackpots are much more likely to happen now than they were in recent years.   See omnystudio.com/listener for privacy information.

A preview of all the Wildcard games plus hot takes on the future of Pittsburgh, New England, and Jessica starts an expansion team in Firebaugh. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/babyfreshnugz/message

Almond grower Jarred Greene didn't always know he would end up pursuing farming as a career. In 2013, Greene took a summer internship with his current employer, San Juan Ranch, part of Nickel Family Farms. That led him on a journey from washing shop windows to irrigation scheduling to farm management. In this episode, Greene shares insights on where automation fits into an almond operation, especially in the areas oof irrigation and spraying.“We have irrigators out there. We're not trying to replace them. We're trying to achieve more with less. So how can you keep that person but enable him to do a little bit more with his time than he was able to do five or ten years ago?” - Jarred Greene In Today's episode:Meet almond grower Jarred Greene and discover his journey to almond production in Firebaugh, CaliforniaExplore the opportunities, benefits and perspectives of implementing automation in an almond orchardLearn about the increased efficiency and the many benefits Greene has found with irrigation and spraying automationABC UpdateAlmond Board Associate Director of Agricultural Research Sebastian Saa has assembled a group of researchers on behalf of the industry to coordinate a collaborative effort called Tree Crop Remote Sensing of Evapotranspiration Experiment (T-REX). Along with this effort to give growers a clear picture of actual ET, the Almond Board is supporting research on yield prediction and estimation. The hope is that this can help to make sure growers are meeting the water needs of the tree efficiently and precisely.“What our portfolio will focus on is to define when to irrigate, how much to irrigate, where to irrigate – and at the end of the day – how to irrigate…They are developing and enabling the technology to visualize how much our trees are actually transpiring at a high-resolution level.” - Sebastian Saa Register now to attend The Almond Conference at www.almonds.com/conference. The Almond Journey Podcast is brought to you by the Almond Board of California. This show explores how growers, handlers, and other stakeholders are making things work in their operations to drive the almond industry forward. Host Tim Hammerich visits with leaders throughout the Central Valley of California and beyond who are finding innovative ways to improve their operations, connect with their communities, and advance the almond industry. ABC recognizes the diverse makeup of the California almond industry and values contributions offered by its growers, handlers, and allied industry members. However, the opinions, services and products discussed in existing and future podcast episodes are by no means an endorsement or recommendation from ABC. The Almond Journey podcast is not an appropriate venue to express opinions on national, state, local or industry politics. As a Federal Marketing Order, the Almond Board of California is prohibited from lobbying or advocating on legislative issues, as well as setting field and market prices.

In this episode, Dr. Doug Firebaugh talks about understanding the struggles of entrepreneurs and overcoming them to achieve extraordinary results. He is the Chief Executive Officer at WealthFuel Home Business Training. He is also a coach, speaker, author, radio talk show host, and thought leader. He has coached and trained forty-nine #1 earners to date. He consulted with dozens of Presidents and CEOs of Direct Sales Companies. If you recognize that you're struggling on getting results as an entrepreneur, you should reach out to Dr. Doug Firebaugh by visiting his website at https://wealthfuel.com or https://linkedin.com/in/dougfirebaugh.  Mitchell Levy is the Global Credibility Expert at AHAthat, the first AHA leadership (Thought Leadership) platform on the market for thought leaders, experts and companies to unleash their genius to the world. His passion is helping entrepreneurs, business owners and C-Suite Executives get known as thought leaders & become best-selling authors with the AHA platform. He is an accomplished entrepreneur who has created 20 businesses in Silicon Valley including four publishing companies that have published over 800 books. Mitchell is an international best-selling author with 60 business books, has provided strategic consulting to over 100 companies, has advised over 500 CEOs on critical business issues, and has been chairman of the board of a NASDAQ-listed company.Visit https://www.credibilitynation.com to learn more about the Credibility Nation community.Visit https://www.ahathat.com/author to learn how you can become an Amazon best-selling author in 4 months.

In today's episode of She's Wild Podcast, I am eager to introduce you to our guest Chloe Firebaugh. Chloe is the Senior Director of Land Acquisition for M/I Homes of Tampa, where she is responsible for managing the land acquisitions process for the division. She has more than 17 years of experience in the residential homebuilding industry, with knowledge in acquisitions, land planning, development, and community management. Chloe has been an active member of ULI and currently serves on the board for the Tampa Bay ULI Council. Prior to beginning her career in homebuilding, she worked for several years in the financial brokerage industry.Throughout the episode, Chloe and I discuss the different facets of the land industry and how her experience led to her becoming the Senior Director of Land Acquisition for M/I Homes of Tampa. Chloe dives deep into various deals she has been a part of throughout the years and the lessons she learned working through various challenges.Memorable Moments:3:11- I've kind of done a little of everything in the Land Department, and I really love the acquisition side. I love deals and running numbers and figuring out how to make everything work.11:01- I've learned to be my own best advocate, and push forward, and that's how I've gotten to where I am and in the industry today.23:57- Land is the most expensive I've seen in my career, but then on top of that homebuilding pricing, the cost to build a house, now has gone up 30-40% since January.30:50- I would just say for anybody thinking about getting into our industry do it. It's a lot of fun, and there is something for everyone.Connect with Nancy:Instagram: https://instagram.com/nancysurakLinkedIn: https://www.linkedin.com/in/nancysurak/Website: www.nancysurak.comConnect with Chloe:LinkedIn: https://www.linkedin.com/in/chloe-firebaugh-37ab2a6/Instagram: @chloefirebaughChloe's Book Recommendation:The Confidence Code via Amazon: https://amzn.to/3GXHOBpShe's WILD Sound Production by:Luke Surak, Surak Productions: surakproductions@gmail.com

Get to know these successful thought leaders and find out how they present themselves and their crafts as experts in their fields. Dr. Patti Phillips is the CEO of ROI Institute. She is also a researcher, educator, consultant, and author. She conducts business consulting for managers and executives about ROI. She helps her clients justify their spending to help them get more funding and demonstrate the value of what they do. Patti provides consulting services to Fortune 500 companies and facilitates workshops for major conferences throughout the world. If you're a company that has been funded and you want to justify that so you can get more funding, consider reaching out to the ROI Institute or Dr. Patti Phillips by visiting their website at https://roiinstitute.net or https://www.linkedin.com/in/PattiPPhillips. Dr. Doug Firebaugh is the Chief Executive Officer at WealthFuel Home Business Training. He is also a coach, speaker, author, radio talk show host and thought leader. He has been in the profession for 34 years. He produced/catalyzed 3 BILLION in volume. He has coached and trained forty-nine #1 earners to date. He consulted with dozens of Presidents and CEOs of Direct Sales Companies. If you recognize that you're struggling on getting results as an entrepreneur, you should reach out to Dr. Doug Firebaugh by visiting his website at https://wealthfuel.com or https://linkedin.com/in/dougfirebaugh. Charlene DeCesare is the CEO and founder of a unique sales advisory firm and fire walk sales. She is also a sales advisor, speaker, author, and a fractional VP of Sales. She is the creator of the Firewalk Sales System and she's also a Principal Advisor & Outsourced VP of Sales with Sidehill Consulting Group, powered by Sales Xceleration. She assesses and solves all of the sales issues that prevent organizations from consistently achieving growth goals. As a Professional Member of the National Speakers Association and certified Brain-Based Success Coach, Charlene is also able to “ignite” any size audience with motivation, energy, and enlightened engagement. If you're a business owner and you think sales is hard, you should reach out to Charlene DeCesare by visiting her website at https://charleneignites.com.  Global Credibility Expert, Mitchell Levy is a TEDx speaker and international bestselling author of over 60 books. As The AHA Guy at AHAthat (https://ahathat.com), he helps to extract the genius from your head in a two-three hour interview so that his team can ghostwrite your book, and publish it, distribute it, and make you an Amazon bestselling author in four months or less. He is an accomplished Entrepreneur who has created twenty businesses in Silicon Valley including four publishing companies that have published over 800 books. He's provided strategic consulting to over one hundred companies and has been chairman of the board of a NASDAQ-listed company. Mitchell has been happily married for thirty years and regularly spends four weeks in Europe with family and friends. Visit https://mitchelllevy.com/mitchelllevypresents/ for an archive of all the podcast episodes. Connect to Mitchell Levy on: Credibility Nation YouTube Channel: https://bit.ly/3kGA1LI Credibility Nation LinkedIn: https://www.linkedin.com/company/credibilitynation/ Mitchell Levy Present AHA Moments: https://mitchelllevy.com/mitchelllevypresents/ Thought Leader Life: https://thoughtleaderlife.com Twitter: @Credtabulous Instagram: @credibilitynation Learn more about your ad choices. Visit megaphone.fm/adchoices

Who do you want to win next week: Firebaugh native Josh Allen and the Buffalo Bills, SF 49ers, LA Rams, Fresno State alum Davante Adams and the Packers?  KMJ's Christopher Gabriel sits in for analysis. See omnystudio.com/listener for privacy information.

High above the lights of Los Angeles, there's a place where you can actually see the stars and planets in the dark winter sky. It's called the Mt. Wilson Observatory. Peter Gilstrap went to see what happens on Mt. Wilson when the stars come out. Plus, Catholic Latinos across the state commemorate Las Posadas, the journey of Joseph and Mary as they searched for refuge and a safe place for her to give birth to the baby Jesus. Madi Bolaños went to a celebration in Firebaugh. And we hear from Sonoma County songwriter Sean Hayes. He has a new album out called “Be Like Water.” And we mourn the loss of Mexican icon and King of Mariachi, Vicente Fernández, who died December 12th at age 81. Back in 2007, Fernández came to California on his biggest US tour to date. And the California Report's Senior Editor Victoria Mauleón brought us a story about the impact he had on his fans on this side of the border.

On this week's Valley Edition: After a year of immense loss in their farmworker community, Catholic Latinos in Firebaugh celebrate the Lady of Guadalupe.

Welcome to our annual Swede Fest episode with Roque and Brian! Obviously, we will be talking about this year's Swede Fest and its venue change. We also review the Fresno Fair and the Taco Truck Throwdown, talk about cannabis shops, parking troubles at the Soroyan Theater, Firebaugh, Bitwise's impact on Fresno and beyond, movie theaters in Fresno and more! Band Of The Episode: Stoneshiver. DOWNLOADABLE FILE: FlowingWithFamousNov21.mp3 (Heads up: A couple of cusswords) Thanks for checking it out! (Heads-up: a few cuss words) Check some links for your hosts: Thanks for being here! Josh's other podcast Aikido Discussed.  Josh at the Fresno Bee. Josh's local music newsletter: Bandgeeeek.substack.com. Josh's bands: It'll Grow Back, Big Balls, and the Strikingly Originals.  Mikey's new newsletter: Fresno! Fresno! and: Drinking & Thinking. Check Mike's blogs The Fresnan and Mikey Top Pour. Plus the podcasts Get Off My Podcast, The Perfect Pour.

Show #1245 If you get any value from this podcast please consider supporting my work on Patreon. Plus all Patreon supporters get their own unique ad-free podcast feed. Good morning, good afternoon and good evening wherever you are in the world, welcome to EV News Daily for Friday 15th October. It's Martyn Lee here and I go through every EV story so you don't have to. Thank you to MYEV.com for helping make this show, they've built the first marketplace specifically for Electric Vehicles. It's a totally free marketplace that simplifies the buying and selling process, and help you learn about EVs along the way too. BMW READY FOR ANY BAN ON FOSSIL FUELS "Germany's BMW (BMWG.DE) will be ready for any ban on internal combustion engine (ICE) cars from 2030 onwards with an offering of electric vehicles, Chief Executive Officer Oliver Zipse said on Tuesday." according to Reuters: "The EU has proposed an effective ban on fossil fuel cars from 2035 as part of a broader package of measures to combat global warming. Unlike rivals including Volkswagen and General Motors, BMW has not set an end date for production of ICE cars." Oliver Zipse: "We will be ICE-ban ready. If a region, a city, a country gets the idea of banning ICEs, we have an offering. The BMW Group is not worried about this. Whether it's a good idea is another question... but we will have an offering." Read more: https://www.reuters.com/business/sustainable-business/bmw-ready-any-ban-fossil-fuel-burning-cars-2030-ceo-says-2021-10-14 TRITIUM REPORTS RECORD GROWTH AND NEW TWO-WAY CHARGER IN PIPELINE "Brisbane-based Tritium, which makes electric vehicle DC fast-chargers and has now sold more than 5,000 units globally, has reported a record quarter and its largest backlog to date, an indicator perhaps that the transition to electric vehicles has reached a tipping point." reports The Driven: "Tritium makes a number of DC fast-chargers,and has a number of interesting products in the pipeline, including a 25kW bidirectional (two-way) wall charger that could be used for vehicle-to-grid (V2G) and vehicle-to-home (V2H) applications.  Tritium's planned public listing via a “blank cheque” company will see it valued at $US1.2 billion – making it a “unicorn” (an unlisted start-up worth more than $US1 billion)." Osprey are using the 75kW chargers, Gridserve too. I like the 50kW units used by Mer and Pod Point. They'll do Plug & Charge. Read more: https://thedriven.io/2021/10/14/tritium-reports-record-growth-and-new-two-way-charger-in-pipeline NIO CEO SAYS LONG CHARGING QUEUES DURING HOLIDAY SEASON DUE TO RISING EV ADOPTION "Nio Inc attributed the long queues at electric vehicle charging stations during the holiday season to rapid adoption of the greener transport option in China, cnEVpost reported on Wednesday, citing a company executive." says Benzinga: "The Chinese electric vehicle maker's founder and chairman William Li said the recent charging experience was not very good for customers during China's National Day due to increased rush hour on the highway. A number of EV owners went out for drives during National Day earlier this month without realizing there were not enough charging facilities along the highway, as per the report. Li said electric vehicle adoption is taking place at a quick pace this year, ahead of expectations. The electric automaker said it has accelerated the construction of battery swap stations as well as supercharging stations this year." Read more: https://www.benzinga.com/news/21/10/23369088/nio-ceo-says-long-charging-queues-during-holiday-season-due-to-rising-ev-adoption ELECTRIC VEHICLE CHARGING INFRASTRUCTURE RACES AHEAD IN SCOTLAND "The rollout of electric vehicle charging points in Scotland is now second only to London, according to new figures. There are now 12 rapid chargers per 100,000 people, compared to a UK average of nearly seven, while across all charging types Scotland is second only to London across the whole of the UK with 47 devices for every 100,000." reports Fleet News: "The Scottish Government has invested more than £45 million to develop the ChargePlace Scotland Network, which provides more than 1,900 public charge points across Scotland." Read more: https://www.fleetnews.co.uk/news/latest-fleet-news/electric-fleet-news/2021/10/13/electric-vehicle-charging-infrastructure-races-ahead-in-scotland FORD AND BMW PARTNER SOLID POWER DEMONSTRATES THE SAFETY OF ITS SOLID-STATE BATTERY TECH "Colorado-based Solid Power, the solid-state battery firm backed by Ford and BMW, claims that third-party safety tests show its battery tech to be safer than current lithium-ion chemistry. The tests, with results released Wednesday, aimed simulate abuse and damage to its prototype solid-state battery cells. Those cells use a sulfide-based solid electrolyte in place of the liquid or gel used in conventional lithium-ion cells." writes Green Car Reports: "When fully-charged test cells were punctured by a conductive nail, the only change was a slight increase in temperature, Soild Power said in a press release. The nail penetration test produced no flames or venting of material from the cells, the company claims. In other tests, cells were overcharged to 200%, and were also caused to short circuit, again with no serious issues, according to Solid Power. . It also claims to have achieved a cell lifespan of 1,000 cycles with greater than 80% capacity retention. With small pouch cells so far, the next step will be to scale up to the larger format pouch cells that some automakers are shifting to." https://www.greencarreports.com/news/1133863_ford-bmw-solid-power-demonstrates-safety-solid-state-battery-tech *ad break* U.S. REGULATOR QUESTIONS TESLA ON THE LACK OF A RECALL AFTER AN UPDATE TO AUTOPILOT. "The top federal auto safety regulator sent two letters to Tesla this week raising questions about the company's driver-assistance software systems and instructing the carmaker to provide fuller information." reports New York Times: "The regulator, the National Highway Traffic Safety Administration, is looking into why Tesla did not issue a recall last month when it updated software called Autopilot to improve its ability to spot stopped emergency vehicles such as police cars and fire trucks. The agency also ordered Tesla to provide data about the software that the company calls Full Self-Driving and expressed concern that Tesla may be preventing customers from sharing safety information with the agency." https://www.nytimes.com/live/2021/10/13/business/news-business-stock-market TESLA APP HINTS AT REMOTE LIVE VIEW FROM AUTOPILOT CAMERAS "Tesla has released a new mobile app update with a few new small features, but it also shows that the automaker has made some progress toward delivering a remote live view from Autopilot cameras on your car." writes electrek.co: "The new update, v4.2, introduces new bigger widgets to iOS and some new Powerwall features. Improvements to larger iOS widget to include quick controls...Solar and Powerwall supports Tesla-maintained utility rate plans. Utility rate plans now support seasons, multiple peak periods, and buy & sell energy prices...Powerwall's Time-Based Control mode supports the updated rate plans to more accurately use energy from Powerwall when power is expensive and charge from other sources when power is at its cheapest. Some of the code suggests that Tesla is working to give access to the feed from four cameras out of the eight cameras around the vehicle – one on each side:" https://electrek.co/2021/10/14/tesla-app-update-widgets-powerwall-features-remote-live-view-autopilot-cameras/ TESLA MODEL S PLAID WITH ACTIVE AERO CAUGHT TESTING AT THE NÜRBURGRING "For all of its supercar performance, the Tesla Model S Plaid doesn't really have much of the performance technology we expect from a supercar. The most obvious example is that hallmark of modern supercardom, active aerodynamics. But that might be changing." says CarScoops: " spy photographers caught a Tesla Model S Plaid lapping the Nürburgring with a retractable wing that also changed its angle throughout the lap. Seen here changing its pitch from one shot to the next, it would appear that Tesla is looking for higher cornering speeds.  The Plaid+ was supposed to get 1,100 hp, a range of more than 520 miles (837 km), and faster acceleration. Just ahead of Plaid's debut, though, Tesla CEO Elon Musk took to Twitter to announce that it was so good that the Plaid+ had been canceled." Read more: https://www.carscoops.com/2021/10/tesla-model-s-plaid-with-active-aero-caught-testing-at-the-nurburgring/ TESLA EXPANDS KETTLEMAN CITY "Tesla expands its Supercharging capacity in Kettleman City, about halfway between Los Angeles and the Tesla Factory in Fremont, which already had one of the largest and most popular 40-stall stations." says InsideEVs: "At the time of installation in 2017, it was one of the largest and the first with a solar canopy, Powerpack energy storage systems and a lounge. According to the company's website, another location is coming nearby and it will be equipped with 56 stalls (V3 250 kW). That would increase the total output in the area to 96. According to supercharge.info, bigger stations in the U.S. are at the Harris Ranch (80 stalls), Central Santa Monica (62 stalls) and Firebaugh (56 stalls) - all three in California and both with V3 250 kW chargers. The largest stations in China are in Shanghai with 72 and 64 stalls, but the power is limited to respectively 120 kW and 145 kW." Read more: https://insideevs.com/news/540763/tesla-adds-superchargers-kettleman-city/ ROCK TECH TO BUILD LITHIUM PLANT IN GERMANY Read more: https://www.electrive.com/2021/10/11/rock-tech-to-build-lithium-plant-in-germany/ WHY ARE E.U. REGULATORS SLOW APPRIVING AUTONOMY? Read more: https://fortune.com/2021/10/14/tesla-overseas-diehards-question-faith-elon-musk-opens-self-driving-fsd-beta-only-in-us/ FIFTH GEAR RETURNS WITH EVS ONLY https://deadline.com/2021/10/fifth-gear-to-relaunch-as-electronic-car-format-1234854569/ NEW QUESTION OF THE WEEK WITH EMOBILITYNORWAY.COM When buying a used electric car, how do you feel about servicing? Do you want the previous person to have been back to a dealer every year? Do you care? Some manufacturers like Tesla don't even have a service schedule so how do you feel about buying a used EV and it's service history, or lack of. Email me your thoughts and I'll read them out on Sunday – hello@evnewsdaily.com It would mean a lot if you could take 2mins to leave a quick review on whichever platform you download the podcast. And  if you have an Amazon Echo, download our Alexa Skill, search for EV News Daily and add it as a flash briefing. Come and say hi on Facebook, LinkedIn or Twitter just search EV News Daily, have a wonderful day, I'll catch you tomorrow and remember…there's no such thing as a self-charging hybrid. PREMIUM PARTNERS PHIL ROBERTS / ELECTRIC FUTURE BRAD CROSBY PORSCHE OF THE VILLAGE CINCINNATI AUDI CINCINNATI EAST VOLVO CARS CINCINNATI EAST NATIONAL CAR CHARGING ON THE US MAINLAND AND ALOHA CHARGE IN HAWAII DEREK REILLY FROM THE EV REVIEW IRELAND YOUTUBE CHANNEL RICHARD AT RSEV.CO.UK – FOR BUYING AND SELLING EVS IN THE UK EMOBILITYNORWAY.COM/

Firebaugh HS sweatshirts are in high demand after Buffo Bills QB Josh Allen is spotted wearing one from his alma matter.  Get yours!  We've got the link posted on our FB page. See omnystudio.com/listener for privacy information.

Wow is this a packed one! Right out the gate we hit you with the latest updates in sports including the $258 MILLION CONTRACT Josh Allen signed! Holy moly! Firebaugh kid to the NFL! You want a little baseball talk too? Well how about Kumar Rocker... Talk about how unfortunate that is... Well to brighten the mood a little bit, tune into the podcast to hear about our great friend, Marcelo. He is a pitcher going to CSU Bakersfield. He talks about his previous season in high school (where he was DOMINANT) and his JUCO seasons at Fresno City (where he DOMINANTED EVER MORE).  

Interview with Dr. Doug Firebaugh, who spent 16 years building and co-leading a huge network marketing team, and has spent the last 19 years full-time speaking, training, writing, recording, consulting and coaching Top Home Business Teams and leaders. 51 of the people Dr. Doug has coached have hit the Top Rank in their network marketing companies.   Of the last 10 Network Marketing Teams Dr. Doug trained and coached in 2020 - 8 of them became the Fastest Growing Teams in their companies in 2020.   He is one of the top MLM trainers in the world. Dr. Firebaugh has done almost $4 Billion in production.

Wanna split £100? You get £50 free AND save money on 100% green electricity by moving to Octopus Energy. Plus I get £50 to support this podcast but ONLY if you do it by using my unique referral code. I moved to Octopus recently and had been putting it off for ages,  but I kicked myself for not doing it sooner, as it’s literally a 5 minute job to give them your details.   Click here: https://share.octopus.energy/free-puma-452   On today’s podcast: What To Watch New Record Breaker - Harris Ranch Supercharger Toyota Mirai Owners; There Is No Fuel Peugeot 308 to become a battery EV Audi e-tron price cut and range increase BYD to start selling in-vehicle batteries to other companies Indonesia says China consortium to invest $5 billion in electric battery venture Mercedes EQS to sound like X-Wing Fighter 12 Things To Love About The EQS Lyriq Pre-Production Prototype Shown Testing Boston car-sharing service puts low-income drivers in electric vehicles Joe Biden’s EV Love Letter to The Big 3 Automakers   Show #1041   Good morning, good afternoon and good evening wherever you are in the world, welcome to EV News Daily for Saturday 3rd April. It’s Martyn Lee here and I go through every EV story so you don't have to.   Thank you to MYEV.com for helping make this show, they’ve built the first marketplace specifically for Electric Vehicles. It’s a totally free marketplace that simplifies the buying and selling process, and help you learn about EVs along the way too.   WHAT TO WATCH VW ID4 v Tesla Model S 3 X v Audi E-Tron v Hyundai Kona v Kia E-Niro Range efficiency and charging https://www.youtube.com/watch?v=t0KODBGQVCM   Video: Hyundai IONIQ 5 first look video from Chasing Cars https://www.youtube.com/watch?v=oeX9_oTNWJY   NEW RECORD BREAKER - HARRIS RANCH SUPERCHARGER "Last week, Tesla filed a permit for what will be the world's largest Supercharger, at Harris Ranch in Coalinga (24553 W Dorris Ave). According to my sources, at least 80 V3 Superchargers will be installed (in addition to the 18 existing stalls) in a new paved parking lot in the truckers rest area, behind the Shell station and Tesla's battery swap area. In a similar setup to Firebaugh, there will be a solar canopy over most or all of the stalls, as well as a battery storage system."   "This is a smart location between LA and SF with so many Tesla owners in CA traveling back and forth. What other car company is going all in like this. No half measures."   "I am beginning to wonder when Tesla will start to construct their massive supercharger stations more vertically. A 3-4 story ,covered charging facility should be the next standard instead of sprawling mega lots."   "For that many v3 superchargers they're going to need about 24megawatts peak. (They can probably shave some peak load if they put a megapack there) That's about what you can fit on a 34.5kv transmission line. The power company will route them a new feeder and have a small substation there (like what is done for large buildings like hospitals or stadiums). 24 MW is a lot of current at the voltage the super charger power electronics would need."   TOYOTA MIRAI OWNERS; THERE IS NO FUEL "Toyota Mirai owners are reporting massive hydrogen outages, and Toyota has not said anything about how it will help take care of their promising technology. Here is what we know so far." reports Torque News: "The infrastructure needed to fuel the cars is almost non-existent. To make matters worse, the limited stations are on the fritz stranding Mirai owners who simply want to enjoy their alternative fuel vehicles. "   A current look at cafcp.org show 23 pumps offline. Although 45 are working today, with two showing as Limited.   https://www.torquenews.com/8113/toyota-mirai-owners-there-no-fuel-and-we-want-out-these-cars   PEUGEOT 308 TO BECOME A BATTERY EV "Two weeks after the unveiling of Peugeot’s new 308, Automotive News Europe is reporting that the car will get an all-electric version soon." says FormaCar: "The news is not official and raises some questions. In particular, it remains unexplained how the car – which still holds onto its old EMP2 architecture – will go electric. The abovementioned platform only supports plug-in hybrids, but not fully electric cars. Then again. The alleged e-308 model might switch to a different chassis and tech. One possible solution may come in the form of the eVMP chassis Peugeot announced in summer 2020 and scheduled for production in 2023."   https://www.formacar.com/en/news/view/34315.html   AUDI E-TRON PRICE CUT AND RANGE INCREASE "The Audi e-tron electric SUV was off to a slow start, but it is now gaining momentum in the US with the 2021 model year getting a price cut and range increase. The e-tron, Audi’s first next-generation electric vehicle, already had success in Norway and a few other European markets, but it didn’t sell in significant volume in the US during its first full year of sales." says electrek: "Audi increased the range of the e-tron by 18 miles to 222 miles on a single charge and slashed the price by as much as $9,000. The Audi e-tron now starts at $65,900 before EV incentives in the US. After incentives, the price goes well below $60,000, making it very competitive with a lot of luxury SUVs. The automaker announced today that it delivered 3,474 e-tron electric SUVs in Q1 2021. Audi also delivered 850 e-tron Sportsback."   https://electrek.co/2021/04/02/audi-e-tron-electric-suv-gains-momentum-with-price-cut-range-increase/   BYD TO START SELLING IN-VEHICLE BATTERIES TO OTHER COMPANIES "Chinese electric vehicle manufacturer BYD will start selling in-vehicle batteries to other companies as early as the second half of this year, Nikkei has learned. The move comes as BYD seeks to expand the scale of its battery manufacturing business by supplying other companies, instead of simply using the key EV component it produces in its own products, and thereby further boosting production efficiency." says Nikkei.com: "BYD is also seeking to catch up with China's Contemporary Amperex Technology, or CATL, and South Korea's LG Chem, which are both stronger competitors in the battery market. The move marks a significant policy shift for BYD as the company has so far rarely sold in-vehicle batteries to other companies, except for joint ventures with some automakers and for commercial vehicles. BYD is the third-biggest player in the Chinese electric passenger car market in terms of sales volumes, with a share of just over 10%, while it is the fourth-largest player in the world's in-vehicle battery market in terms of production capacity, with a share of just under 10%."   https://asia.nikkei.com/Spotlight/Electric-cars-in-China/BYD-to-start-selling-in-vehicle-batteries-to-other-companies   INDONESIA SAYS CHINA CONSORTIUM TO INVEST $5 BILLION IN ELECTRIC BATTERY VENTURE A quick bit of battery news from Reuters: "Indonesia’s state-owned enterprises minister said on Friday that a Chinese consortium would invest $5 billion in an electric batteries venture, which would include China’s Contemporary Amperex Technology"   https://www.reuters.com/article/us-china-indonesia-ev-idUSKBN2BP0S4   MERCEDES EQS TO SOUND LIKE X-WING FIGHTER "Mercedes-Benz has revealed that its upcoming pure-electric 2021 Mercedes-Benz EQS limousine will be offered with four different soundtracks when it makes its debut in a few weeks’ time. From its launch later in 2021, the Mercedes-Benz EQS will offer drivers four different modes: Silent, Silver Waves, Vivid Flux and a Roaring Pulse setting." says Motoring.com.au: "Apart from Silent, all modes harness the power of a 15-speaker 710W premium Burmester surround-sound system to dramatically change the driving experience.  Created by a team of 250 acoustic sound engineers and software programmers led by sound engineer Thomas Kuppers, the EQS needs a dedicated soundtrack because it’s too quiet without any ambient noise."   https://www.motoring.com.au/2021-mercedes-eqs-to-sound-like-x-wing-fighter-129180/   12 THINGS TO LOVE ABOUT THE EQS It’s a hatchback 0.20 drag coefficient 107.8kWh battery 435 miles range Dual motor with 385kW power 0-62mph in 4.3secs, repeatable In house Merc BMS so it can be updated OTA 4 regen modes, 1 pedal driving 200kW charging and regen Fingerprint login, 7 profiles Power/Auto doors Luxury from S-Class, but on a pure EV platform   15th April reveal     LYRIQ PRE-PRODUCTION PROTOTYPE SHOWN TESTING "Cadillac Vice President of North America Sales, Service, and Marketing Mahmoud Samara celebrated on LinkedIn about the milestone of pre-production testing of the Cadillac Lyriq now being underway at General Motors' test center in Michigan. The brand's premium, electric crossover goes into production in roughly a year during the first quarter of 2022." says Motor1.com: "GM President of North America Steve Carlisle said that the Lyriq's starting price was under $60,000. This is for the rear-drive model, and we don't know if Super Cruise is a standard feature, which would add to the cost."   https://www.motor1.com/news/499015/cadillac-lyriq-pre-production-image/   BOSTON CAR-SHARING SERVICE PUTS LOW-INCOME DRIVERS IN ELECTRIC VEHICLES "A car-sharing program that combines electric vehicles and income-tiered pricing has launched in one of Boston’s busiest and most diverse neighborhoods.  The Good2Go service, one of the first of its kind in the country, aims to curb carbon emissions while giving low-income Roxbury residents access to reliable, flexible, and affordable transportation. So far the service has deployed four 2019 Nissan Leafs, and dozens of beta testers are using the cars to commute to work, bring their children to school, and run errands." SAyS eNERGYNEWS.US: "The pricing model is income-tiered so low-income customers pay $5 an hour instead of the standard hourly rate of $10. Participants qualify for the reduced rate if they are enrolled in any of 20 public assistance programs, such as Medicaid or veterans benefits. Program operators made such an expansive eligibility list to make it as simple as possible for low-income residents to qualify. "   https://energynews.us/2021/03/31/this-boston-car-sharing-service-puts-low-income-drivers-in-electric-vehicles/   JOE BIDEN’S EV LOVE LETTER TO THE BIG 3 AUTOMAKERS "That reference to the Rural Electrification Act is no accident. It brings up the elements of the American Jobs Plan that support electric vehicle ownership. Between new electric vehicle charging stations, new transmission lines, more renewable energy capacity, grid resiliency initiatives and more funding for energy storage and clean tech R&D, the American Jobs Plan covers a sprawling web of initiatives that support electric vehicle makers and EV owners" says triplepundit.com: "The charging station network is especially important, because it assures EV owners of access to electricity everywhere they go. In addition, the American Jobs Plan doubles down on Biden’s commitment to support the electric vehicle market through the purchasing power of the federal government. Much attention has focused on the Postal Service fleet of 230,000 vehicles, but the Department of Defense also has the power to move markets. The Department of the Army alone has a fleet of 225,000 vehicles.""   QUESTION OF THE WEEK WITH EMOBILITYNORWAY.COM What incentive would make the most difference to you buying an EV?   It would mean a lot if you could take 2mins to leave a quick review on whichever platform you download the podcast.   And  if you have an Amazon Echo, download our Alexa Skill, search for EV News Daily and add it as a flash briefing.   Come and say hi on Facebook, LinkedIn or Twitter just search EV News Daily, have a wonderful day, I’ll catch you tomorrow and remember…there’s no such thing as a self-charging hybrid.     PHIL ROBERTS / ELECTRIC FUTURE (PREMIUM PARTNER) BRAD CROSBY (PREMIUM PARTNER) PORSCHE OF THE VILLAGE CINCINNATI (PREMIUM PARTNER) AUDI CINCINNATI EAST (PREMIUM PARTNER) VOLVO CARS CINCINNATI EAST (PREMIUM PARTNER) NATIONALCARCHARGING.COM and ALOHACHARGE.COM  (PREMIUM PARTNER) DEREK REILLY FROM THE EV REVIEW IRELAND YOUTUBE CHANNEL (PREMIUM PARTNER) RICHARD AT RSEV.CO.UK – FOR BUYING AND SELLING EVS IN THE UK (PREMIUM PARTNER) eMOBILITY NORWAY HTTPS://WWW.EMOBILITYNORWAY.COM/  (PREMIUM PARTNER)     DAVID AND LISA ALLEN (PARTNER) GARETH HAMER (PARTNER) BOB BOOTHBY FROM MILLBROOK COTTAGES – 5* GOLD SELF CATERING COTTAGES (PARTNER) DARIN MCLESKEY FROM DENOVO REAL ESTATE (PARTNER) JUKKA KUKONEN FROM WWW.SHIFT2ELECTRIC.COM RAJEEV NARAYAN (PARTNER) IAIN SEAR (PARTNER)   ADRIAN BOND (EXECUTIVE PRODUCER) ALAN SHEDD (EXECUTIVE PRODUCER) ALEX BANAHENE (EXECUTIVE PRODUCER) ALEXANDER FRANK @ https://www.youtube.com/c/alexsuniverse42 ANDERS HOVE (EXECUTIVE PRODUCER) ANDREA JEFFERSON (EXECUTIVE PRODUCER) ANDREW GREEN (EXECUTIVE PRODUCER) ANDY NANCARROW AND LILIAN KASS (EXECUTIVE PRODUCER) ASEER KHALID (EXECUTIVE PRODUCER) BÅRD FJUKSTAD (EXECUTIVE PRODUCER) BLUNDERBUSS JONES (EXECUTIVE PRODUCER BRIAN THOMPSON (EXECUTIVE PRODUCER) BRUCE BOHANNAN (EXECUTIVE PRODUCER) CHARLES HALL (EXECUTIVE PRODUCER) CHRIS HOPKINS (EXECUTIVE PRODUCER) CHRISTOPHER BARTH (EXECUTIVE PRODUCER) COLIN HENNESSY AND CAMBSEV (EXECUTIVE PRODUCER) CRAIG ROGERS (EXECUTIVE PRODUCER) DAMIEN DAVIS (EXECUTIVE PRODUCER) DAVID FINCH (EXECUTIVE PRODUCER) DAVID MOORE (EXECUTIVE PRODUCER) DAVID PARTINGTON (EXECUTIVE PRODUCER) DAVID PRESCOTT (EXECUTIVE PRODUCER) DC EV (EXECUTIVE PRODUCER) DON MCALLISTER / SCREENCASTSONLINE.COM (EXECUTIVE PRODUCER) ED CORTREEN (EXECUTIVE PRODUCER) ERIC HANSEN (EXECUTIVE PRODUCER) ERU KYEYUNE-NYOMBI (EXECUTIVE PRODUCER) FREDRIK ROVIK (EXECUTIVE PRODUCER) GENE RUBIN (EXECUTIVE PRODUCER) HEDLEY WRIGHT (EXECUTIVE PRODUCER) HEINRICH LIESNER (EXECUTIVE PRODUCER) IAN GRIFFITHS (EXECUTIVE PRODUCER) IAN (WATTIE) WATKINS (EXECUTIVE PRODUCER) JACK OAKLEY (EXECUTIVE PRODUCER) JAMES STORR (EXECUTIVE PRODUCER) JAVIER CARMELO DÍAZ PÉREZ (EXECUTIVE PRODUCER) JIM MORRIS (EXECUTIVE PRODUCER) JOHN SCHROEDER (EXECUTIVE PRODUCER) JON AKA BEARDY MCBEARDFACE FROM KENT EVS (EXECUTIVE PRODUCER) JON MANCHAK (EXECUTIVE PRODUCER) JUAN GONZALEZ (EXECUTIVE PRODUCER) KEVIN MEYERSON (EXECUTIVE PRODUCER) LAURENCE D ALLEN (EXECUTIVE PRODUCER) LEE BROWN (EXECUTIVE PRODUCER) LUKE CULLEY (EXECUTIVE PRODUCER) MARCEL WARD (EXECUTIVE PRODUCER) MARTY YOUNG  (EXECUTIVE PRODUCER) MIA OPPELSTRUP (PARTNER) MIKE WINTER (EXECUTIVE PRODUCER) NATHAN GORE-BROWN (EXECUTIVE PRODUCER) NATHANIEL FREEDMAN (EXECUTIVE PRODUCER) NEIL E ROBERTS FROM SUSSEX EVS (EXECUTIVE PRODUCER) OHAD ASTON (EXECUTIVE PRODUCER) PAUL STEPHENSON (EXECUTIVE PRODUCER) PETE GLASS (EXECUTIVE PRODUCER) PETE GORTON (EXECUTIVE PRODUCER) PETER & DEE ROBERTS FROM OXON EVS (EXECUTIVE PRODUCER) PHIL MOUCHET (EXECUTIVE PRODUCER) PHILIP TRAUTMAN (EXECUTIVE PRODUCER) RAYMOND ROWLEDGE (EXECUTIVE PRODUCER) RENE KEEMIK (EXECUTIVE PRODUCER) RENÉ SCHNEIDER (EXECUTIVE PRODUCER) ROB FROM THE RSTHINKS EV CHANNEL ON YOUTUBE (EXECUTIVE PRODUCER) ROBERT GRACE (EXECUTIVE PRODUCER) RUPERT MITCHELL (EXECUTIVE PRODUCER) SEIKI PAYNE (EXECUTIVE PRODUCER) STEPHEN PENN (EXECUTIVE PRODUCER) STEVE JOHN (EXECUTIVE PRODUCER) THOMAS J. THIAS  (EXECUTIVE PRODUCER) TODD OAKES (EXECUTIVE PRODUCER) THE PLUGSEEKER – EV YOUTUBE CHANNEL (EXECUTIVE PRODUCER)     CONNECT WITH ME! EVne.ws/itu nes EVne.ws/tunein EVne.ws/googleplay EVne.ws/stitcher EVne.ws/youtube EVne.ws/iheart EVne.ws/blog EVne.ws/patreon   Check out MYEV.com for more details: https://www.myev.com

This week on the All Day Buffalo Podcast we begin a brand new series that we will be doing for 5 weeks. Each week, the host Eli Fox, will take a deep dive into a Bills player's life before the NFL, in the NFL, and everything else. This series is meant to educate everyone on the players that are on the Bills and allow you to get to know your favorite players more. This week we are delving into the life and young career of future MVP Josh Allen. Everything from his humble beginnings in Firebaugh, CA to his MVP caliber year during the 2020 season. Thanks so much for listening and make sure to follow me @alldaybuffalo and the brand @BuiltinBuffalo_ #BuffaloBills #BillsMafia #JoshAllen #GoBills #NFL --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/builtinbuffalo/support

We reconnect with Mr. Sanchez, the 10th grade English teacher at Firebaugh High School, who is the definition of an essential worker in the pandemic. Racial and economic inequities have always existed in Firebaugh, and recent events have only magnified this reality. As lack of internet access threatens to cut students off from his class, Mr. Sanchez fights to ensure continued access to education as an act of social justice.

Episode 64 - 66417373707Kyle and Gilbert are sparkling apples. Show NotesPweetsGilbert makes no apologies for chuckling when he heard "Firebaugh, CA"Mission in Snowdriftland: Nintendo's Forgotten Flash Game (genuinely moving, definitely worth a watch)And yes, that's the code you give Home Depot

The List with Jordan Bailey & then Sir Diesel comes on to bet the HOUSE on the Super Bowl!

Pepper Stewart Show 01 -28-2021Show Brought To You By Rodeo Clothing Co.Today we are Talking: New Social Media App Stall High with Kendra DicksonTexas Longhorn Cattle with TX 4F Ranch's Brain FirebaughRodeo News & Happenings! Then we will get off into some Odd News Stories including :Knife wielding Squirrel, Get Paid To Sleep, Old Books, and how good is your GoPro. Watched Trailer for "The Cut" a documentary on Cutting Horses and the new movie " No Mans Land". Upcoming Rodeo Action And MORE ....www.PepperStewart.com

This episode features #ThoughtLeaders and #Experts Dr. Doug Firebaugh, Andrea Feinberg, Mauri Schwartz, and Tameika Isaac Devine.Continue Reading → The post #566-569: Dr. Firebaugh, Feinberg, Schwartz, Devine w/ Mitchell Levy on Thought Leader Life Credibility appeared first on FIR Podcast Network.

This episode features #ThoughtLeaders and #Experts Dr. Doug Firebaugh, Andrea Feinberg, Mauri Schwartz, and Tameika Isaac Devine.Continue Reading → The post #566-569: Dr. Firebaugh, Feinberg, Schwartz, Devine w/ Mitchell Levy on Thought Leader Life Credibility appeared first on FIR Podcast Network.

On today’s podcast: Mercedes-Benz EQS SUV Prototype Towing Pandemic Chip Shortages Are Shutting Down Automotive Production First look at Tesla’s new structural battery pack Scania’s commitment to battery electric vehicles Miami-Dade Starts Transition To Electric School Bus Fleet Vermont had the highest number of public EV chargers per capita in US in November 2020 Xpeng releases autonomous features for highway driving Nissan Qashqai engines detailed: e-Power hybrid Rimac C_Two First-Year Production Run Sold Out McDonald’s now offering delivery direct to Tesla Supercharger   Show #967   Good morning, good afternoon and good evening wherever you are in the world, welcome to EV News Daily for Tuesday 19th January. It’s Martyn Lee here and I go through every EV story so you don't have to.   Thank you to MYEV.com for helping make this show, they’ve built the first marketplace specifically for Electric Vehicles. It’s a totally free marketplace that simplifies the buying and selling process, and help you learn about EVs along the way too.   MERCEDES-BENZ EQS SUV PROTOTYPE TOWING "A prototype of an SUV version of the upcoming all-electric Mercedes-Benz EQS was recently seen in Germany, when towing a trailer during tests. We don't know much about this vehicle, beside that it's based on the Electric Vehicle Architecture (EVA) platform (just like EQS, EQE and EQE SUV" says InsideEVs: "For sure it will be a large, luxury SUV, with a target range of up to 700 km (435 miles) in the WLTP test cycle. With trailer, we would expect maybe 200-250 miles. The EQS to be launched this year, but even this model is still undercover. If the EQS to be the first all-electric Mercedes-Benz EQ model in the U.S., then the SUV version has a chance to be the second."   https://insideevs.com/news/466933/mercedes-eqs-suv-prototype-towing-spy-video/   PANDEMIC CHIP SHORTAGES ARE SHUTTING DOWN AUTOMOTIVE PRODUCTION "Advanced electronics have weaved their way into the modern car, from engine to infotainment and climate control to the buttons now sprinkled throughout the passenger cabin. The gains in amenity and efficiency can’t be sniffed at, but it leaves manufacturers reliant on semiconductor suppliers to get cars out the door. Over the past year, it’s become much more complicated — with many automakers having to slow production in the face of integrated circuit shortages that can be traced back to Spring of 2020" says the Hackaday.com website: "Automakers were forced to scale back production as factories closed to avoid spreading the deadly virus. This meant slashing orders with suppliers, particularly as the just-in-time nature of modern automobile production means there’s little to no space to warehouse excess parts in factories. Tier-one supplier Bosch have noted the shortage is particularly acute in parts used for engine and transmission control units."   https://hackaday.com/2021/01/18/pandemic-chip-shortages-are-shutting-down-automotive-production/   FIRST LOOK AT TESLA’S NEW STRUCTURAL BATTERY PACK "Electrek obtained the first picture of Tesla’s new structural battery pack with a honeycomb architecture that will power its future electric vehicles. Currently, Tesla builds battery packs by combining cells into modules, which when put together form a battery pack. That battery pack is installed into the vehicle platform. The difference with this new concept is that Tesla is not using modules and instead builds the entire battery pack as the structural platform of the vehicle" according to electrek: "The structural battery pack is expected to be first used in the Model Y that is going to be built at Gigafactory Berlin and in the new Model S Plaid. The image shows the battery pack without the new 4680 cells in them – showcasing the honeycomb design of the pack"   https://electrek.co/2021/01/19/tesla-structural-battery-pack-first-picture/   SCANIA’S COMMITMENT TO BATTERY ELECTRIC VEHICLES The rapid development of electric solutions for heavy duty vehicles includes the fast advancement of battery technology in respect of energy storage capacity per kg. Charging time, charging cycles and economics per kg are improving rapidly. This means these solutions will become more cost effective, primarily in repetitive and predictable applications. They will gradually overtake Scania’s industry-leading fossil and biofuel powered solutions in most transport applications.   The company has already launched a fully electric truck as well as a plug-in hybrid truck. In a few years’ time, Scania plans to introduce long-distance electric trucks that will be able to carry a total weight of 40 tonnes for 4.5 hBy 2025, Scania expects that electrified vehicles will account for around 10 percent or our total vehicle sales volumes in Europe and by 2030, 50 percent of our total vehicle sales volumes are expected to be electrified.ours, and fast charge during the drivers’ compulsory 45-minute rest.   https://www.volkswagenag.com/en/news/2021/01/scania_commitment_battery.html   MIAMI-DADE STARTS TRANSITION TO ELECTRIC SCHOOL BUS FLEET "Miami-Dade County Public Schools has made the decision to convert its fleet from diesel buses into an electric fleet. This push was driven by Holly Thorpe, a middle school student who used her science fair project to convince the school board that this switch was necessary." says CleanTechnica: "Superintendent Alberto Carvalho shared the good news with Thorpe that the district was applying for federal grant money from the $2.8 billion settlement fund that was a result of the Volkswagen Dieselgate scandal. “We’re finally going to turn the yellow school bus green,” Thorpe said. “Transportation is the largest source of greenhouse gases. Electric school buses are essential for the health of students and drivers.”   https://cleantechnica.com/2021/01/18/miami-dade-starts-transition-to-electric-school-bus-fleet/   VERMONT HAD THE HIGHEST NUMBER OF PUBLIC EV CHARGERS PER CAPITA IN US IN NOVEMBER 2020 "The number of public electric vehicle (EV) chargers across the country has been growing. As of November 2020, Vermont had the highest number of public chargers per capita with 114 EV chargers per 100,000 people, followed by the District of Columbia (81) and California (72), according to the US Department of Energy (DOE)." according to Green Car Congress: "Twenty-one states and the District of Columbia had more than 20 chargers per 100,000 people."   https://www.greencarcongress.com/2021/01/20210119-doefotw.html   XPENG RELEASES AUTONOMOUS FEATURES FOR HIGHWAY DRIVING "The new autonomous driving feature will allow the company’s flagship P7 sedan to automatically change lanes, speed up or slow down, overtake cars and enter and exit highways." says CNBC: "Xpeng’s NGP is a challenge to Tesla’s autonomous driving system called Autopilot. The highway driving feature will be available on the premium version of the P7 and available to customers in China only."   https://www.cnbc.com/2021/01/18/chinese-electric-carmaker-xpeng-releases-driverless-features-to-rival-tesla-.html   NISSAN QASHQAI ENGINES DETAILED: E-POWER HYBRID "Nissan has detailed the upcoming third-generation Qashqai small SUV’s two new engine options, including a ‘self-charging’ series hybrid called e-Power." says CarsGuide: "The e-Power powertrain combines a 140kW/330Nm electric motor with a 115kW 1.5-litre naturally aspirated four-cylinder petrol engine, but only the former drives the Qashqai’s front wheels, with the latter instead responsible for charging its ‘high-output’ battery." “This means the engine can always run within its optimal range, leading to superior fuel efficiency and lower CO2 emissions compared with a traditional internal-combustion engine,” according to Nissan. energy is also recouped via regenerative braking, with the e-Power even featuring the all-electric Leaf small hatchback’s more aggressive ePedal functionality, which enables one-pedal driving in 90 per cent of scenarios."   https://www.carsguide.com.au/car-news/2021-nissan-qashqai-engines-detailed-e-power-hybrid-option-headlines-new-kia-seltos-hyundai   RIMAC C_TWO FIRST-YEAR PRODUCTION RUN SOLD OUT "Rumors that the Rimac C_Two is completely sold out have been circulating around the internet since the Croatian company revealed the all-electric hypercar in 2018. However, that’s not completely true. Rimac CEO Mate Rimac took to Facebook yesterday to dispel those rumors with some much-needed context. However, in confirming that the C_Two wasn’t sold out fully, he did admit that the car’s first year of production was completely allocated for." reports Motor1: " the company has had the goal of having the car’s sales be 12 months ahead of its production, which is an amicable goal because the company has yet to reveal the production version or the car’s official name. The CEO also clarified in his post that “sold” to Rimac means that a dealer has ordered the model, though Mate has no concerns about selling the 150 examples the company plans to produce. Rimac will reveal the production version and the car’s official name “soon,” according to Mate’s post. "   https://www.motor1.com/news/467170/rimac-c-two-sold-out-467170/   MCDONALD’S NOW OFFERING DELIVERY DIRECT TO TESLA SUPERCHARGER "While work continues at Firebaugh to convert an adjacent building into a convenience store and coffee shop, McDonald’s is taking advantage of its proximity to North America’s largest Supercharger to offer Tesla owners a unique service." sayts Drive TEsla CAnada: "Located directly next to the massive Supercharger station, the fast-food restaurant is now allowing customers to “Recharge with McDonald’s, while you recharge your Tesla.” Spotted by Raul on Twitter, Tesla drivers can place an order using the McDonald’s mobile app. Instead of entering a curbside number, you can enter your Supercharger stall number to have your order delivered directly to your car."   https://driveteslacanada.ca/news/mcdonalds-firebaugh-tesla-supercharger-delivery   QUESTION OF THE WEEK When did you first know you wanted to drive EV?   Send me your answer: hello@evnewsdaily.com   You can listen to all 966 previous episodes of this this for free, where you get your podcasts from, plus the blog https://www.evnewsdaily.com/ – remember to subscribe, which means you don’t have to think about downloading the show each day, plus you get it first and free and automatically.   It would mean a lot if you could take 2mins to leave a quick review on whichever platform you download the podcast.   And  if you have an Amazon Echo, download our Alexa Skill, search for EV News Daily and add it as a flash briefing.   Come and say hi on Facebook, LinkedIn or Twitter just search EV News Daily, have a wonderful day, I’ll catch you tomorrow and remember…there’s no such thing as a self-charging hybrid.     PHIL ROBERTS / ELECTRIC FUTURE (PREMIUM PARTNER) BRAD CROSBY (PREMIUM PARTNER) AVID TECHNOLOGY (PREMIUM PARTNER) PORSCHE OF THE VILLAGE CINCINNATI (PREMIUM PARTNER) AUDI CINCINNATI EAST (PREMIUM PARTNER) VOLVO CARS CINCINNATI EAST (PREMIUM PARTNER) NATIONALCARCHARGING.COM and ALOHACHARGE.COM  (PREMIUM PARTNER) DEREK REILLY FROM THE EV REVIEW IRELAND YOUTUBE CHANNEL (PREMIUM PARTNER) RICHARD AT RSEV.CO.UK – FOR BUYING AND SELLING EVS IN THE UK (PREMIUM PARTNER)   DAVID AND LISA ALLEN (PARTNER) GARETH HAMER eMOBILITY NORWAY HTTPS://WWW.EMOBILITYNORWAY.COM/  (PARTNER) BOB BOOTHBY – MILLBROOK COTTAGES AND ELOPEMENT WEDDING VENUE (PARTNER) DARIN MCLESKEY FROM DENOVO REAL ESTATE (PARTNER) JUKKA KUKONEN FROM WWW.SHIFT2ELECTRIC.COM RAJEEV NARAYAN (PARTNER) IAN SEAR (PARTNER)   ALAN ROBSON (EXECUTIVE PRODUCER) ALAN SHEDD (EXECUTIVE PRODUCER) ALEX BANAHENE (EXECUTIVE PRODUCER) ALEXANDER FRANK @ https://www.youtube.com/c/alexsuniverse42 ANDERS HOVE (EXECUTIVE PRODUCER) ANDREA JEFFERSON (EXECUTIVE PRODUCER) ANDREW GREEN (EXECUTIVE PRODUCER) ASEER KHALID (EXECUTIVE PRODUCER) BÅRD FJUKSTAD (EXECUTIVE PRODUCER) BRIAN THOMPSON (EXECUTIVE PRODUCER) BRUCE BOHANNAN (EXECUTIVE PRODUCER) CHARLES HALL (EXECUTIVE PRODUCER) CHRIS HOPKINS (EXECUTIVE PRODUCER) CHRISTOPHER BARTH 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Lynwood High School senior Alexa Escamilla and Firebaugh High School senior Richard Reynoso discuss Lynwood Unified’s after-school tutoring program, which provides one-on-one tutoring assistance to elementary, middle and high school students, the challenges of distance learning for students and their post-secondary education plans.

Firebaugh high school football coach and former coach to Josh Allen, Bill Magnusson joins the Papa & Lund Show See omnystudio.com/listener for privacy information.

Not every small town in the Valley has a COVID-19 code enforcement officer, but Firebaugh does. His name is Serf Gonzalez and on this Tuesday, he’s dropping by restaurants downtown to remind them of the new rules issued by Governor Gavin Newsom. At a Mexican restaurant, Don Pepe, Gonzalez tells the owner Juan Miguel indoor dining must stop by 3 p.m. This week Newsom announced California was pulling the emergency break on its reopening plan due to the state’s rising COVID-19 numbers. Most counties are now in the most restrictive purple tier which means restaurants can no longer serve food indoors. Gonzalez knows this will create hardship for Miguel so he tries to soften the blow. “But I’m going to talk to the city council and see if we can get you some heaters for outside dining,” Gonzalez says. Miguel tells him that sounds good. Back outside on main street, Gonzalez, who works for the Firebaugh Police Department, says he wants to make sure businesses operate safely. “Just going into

On this week's Valley Edition: Governor Gavin Newsom announced California was pulling the emergency break on its reopening plan due to the state’s rising COVID-19 numbers. We go to Firebaugh to get the reaction of this small Fresno County farming town that has fought hard to keep cases low. Plus, we discuss the growing humanitarian crisis in Nagorno-Karabakh following the six-week war between Armenia and Azerbaijan. And we talk with award-winning journalist Farai Chidaya about her new podcast, Our Body Politic.

On this week's Valley Edition: Governor Gavin Newsom announced California was pulling the emergency break on its reopening plan due to the state’s rising COVID-19 numbers. We go to Firebaugh to get the reaction of this small Fresno County farming town that has fought hard to keep cases low. Plus, we discuss the growing humanitarian crisis in Nagorno-Karabakh following the six-week war between Armenia and Azerbaijan. And we talk with award-winning journalist Farai Chidaya about her new podcast, Our Body Politic.

丘孔报科技。2020年11月16日。星期一。1、 11 月 14 日是世界糖尿病日。目前，全球防控糖尿病的形势仍然严峻。Google AI 算法助力降低糖尿病患者失明风险：F 分数达 0.95，超过医生小组。丘孔点评，每次看到这样的高科技信息，总会感觉未来充满希望。一方面我不希望垄断，一方面又矛盾只有垄断能够有闲钱研究一些看似没有赚钱前途的科技。实际上垄断无处不在，不信你看看你周围的乐土。求同存异，接受垄断或许也是一种成熟吧。送给所有人——适度的垄断有利于人类的进步。2、 谷歌母公司 Alphabet 不久将在非洲肯尼亚通过光束传输无线互联网，其使用的技术可以覆盖 20 公里的距离。据悉，Alphabet 旗下的 Taara 项目于 2017 年正式发布，使用光束来完成大量网络数据的传输。去年 Alphabet 开始在肯尼亚进行了一系列试点，目前正与一家电信公司合作，为非洲偏远地区提供互联网接入服务。丘孔点评，我非常看好这种技术。20公里一个发射和接受塔，同时提供4g覆盖，不需要光纤线路，用激光光束发射过去就可以了，还很容易形成网状光阵，有点《红色警戒》的光棱塔的感觉了。对于实际的场景，我贴在了公众号里，大家可以打开看看，很震撼。只是不知道雷雨暴风天气影响有多大，地震会不会让激光变成武器。3、 在由中国互联网络信息中心（CNNIC）举办的第二届中国互联网基础资源大会上，清华大学教授、中国半导体行业协会副理事长魏少军发表演讲并表示，我国芯片设计不受国外制约，主要卡在制造环节，而芯片制造主要卡在材料环节，其中的光刻胶原料还需要大量的研究。丘孔点评，材料学算是最大的新基建了，我后悔大学没有好好学习基础科学了。4、中国运载火箭技术研究院14所系统研发部，研制出我国首个飞行滑板，其航程20千米，最高可飞1000米，可解决交通拥堵、高空作业、灾害快速救援等难题！丘孔点评，如果快速进入量产，相信城市交通能够极大的便利。但是这玩意估计会用在专业领域，毕竟风险较大，很容易碰撞到建筑物，也需要专门的航道。目前无人飞机爱好者都需要到郊区比赛，飞行滑板距离我们还需要多少年？飞行照片非常酷炫，我贴了张照片在公号，一定要看一下。5、中国工程院院士邬贺铨的数据显示：2020 年 8 月我国 IPv6 活跃用户数达 3.65 亿。丘孔点评，ipv4的资源过早的被米国机构占用，我们全国的数量比不过人家一个大学，现在很多机房都是租用人家的ip地址，导致资金外流。ipv6是v4的超集，未来我们解析域名，只解析ipv6地址，也可以搞自己网站，至少保证在我国的访问的畅通性，那就很好了。还有域名资源，一年只是com域名，不知道我国要拿多少钱给某些机构。6、三星在韩国份额再创新高，苹果已跌至 10% 以下。7、日前，郝俊波律师事务所通过官方微信公号 “国际律师”发布消息称，阿里巴巴因证券欺诈案已经于近日被美股投资者诉至法院。具体而言，投资者指控阿里在 2020 年 10 月 21 日至 2020 年 11 月 3 日期间，就公司的业务和运营状况及发展前景进行虚假陈述，未向投资者披露与蚂蚁集团暂缓上市相关的重大不利事实。对此，蓝鲸 TMT 记者向阿里方面相关人士求证，对方暂未回复。丘孔点评，诚信很重要，股票都卖掉吧。8、特斯拉在美国加州Firebaugh启用了全球第一大超级充电站。具体来说，该站点配置了56个V3超充桩，位于洛杉矶和旧金山湾区之间。丘孔点评，丘孔一定会在近期找个电动汽车去体验一下，新事物都来这么久了，我还没有开过，简直有辱科技达人的称号。9、阿里巴巴推出了一款名为 “阿里云网盘”的独立 App，之后更名为 “阿里云盘”，启动页面显示，阿里云盘拥有 1T 存储空间，支持 5G 极速下载。目前阿里云盘个人云种子用户已开始发放邀请码，感兴趣的用户可以关注一下。丘孔点评，看到这个，不得不吐槽一下迅雷。拿了一手好牌，出了一堆昏招，云盘推出的这么晚，还赶上云盘大爆发；更可恨的是下载了只给500g，诱导你安装手机版，安装了手机版，还找不到手机碎片的地方。据说迅雷的名称跟雷军有关，我一点都不信，雷军应该不会有这样的视野。丘孔大言不惭，如果我做迅雷的ceo，也能秒杀现在的家伙。10、近期百度网盘增加了一个名为 “收集文件”的新功能，发起者可以创建收集链接，别人就可以把自己网盘里的文件直接塞到你的网盘里。该功能可设置的最长的搜集时间为 30 天，最多可以搜集 500 人分享的文件。还可以设置接收的文件类型，例如只接收视频、音频文件。丘孔，一个长期主义奉行者。2020年11月16日。哪怕帮你领先一分钟，也算丘孔报科技的欣慰了，希望得到哪怕一点帮助的朋友帮忙转发。

丘孔报科技。2020年11月16日。星期一。1、 11 月 14 日是世界糖尿病日。目前，全球防控糖尿病的形势仍然严峻。Google AI 算法助力降低糖尿病患者失明风险：F 分数达 0.95，超过医生小组。丘孔点评，每次看到这样的高科技信息，总会感觉未来充满希望。一方面我不希望垄断，一方面又矛盾只有垄断能够有闲钱研究一些看似没有赚钱前途的科技。实际上垄断无处不在，不信你看看你周围的乐土。求同存异，接受垄断或许也是一种成熟吧。送给所有人——适度的垄断有利于人类的进步。2、 谷歌母公司 Alphabet 不久将在非洲肯尼亚通过光束传输无线互联网，其使用的技术可以覆盖 20 公里的距离。据悉，Alphabet 旗下的 Taara 项目于 2017 年正式发布，使用光束来完成大量网络数据的传输。去年 Alphabet 开始在肯尼亚进行了一系列试点，目前正与一家电信公司合作，为非洲偏远地区提供互联网接入服务。丘孔点评，我非常看好这种技术。20公里一个发射和接受塔，同时提供4g覆盖，不需要光纤线路，用激光光束发射过去就可以了，还很容易形成网状光阵，有点《红色警戒》的光棱塔的感觉了。对于实际的场景，我贴在了公众号里，大家可以打开看看，很震撼。只是不知道雷雨暴风天气影响有多大，地震会不会让激光变成武器。3、 在由中国互联网络信息中心（CNNIC）举办的第二届中国互联网基础资源大会上，清华大学教授、中国半导体行业协会副理事长魏少军发表演讲并表示，我国芯片设计不受国外制约，主要卡在制造环节，而芯片制造主要卡在材料环节，其中的光刻胶原料还需要大量的研究。丘孔点评，材料学算是最大的新基建了，我后悔大学没有好好学习基础科学了。4、中国运载火箭技术研究院14所系统研发部，研制出我国首个飞行滑板，其航程20千米，最高可飞1000米，可解决交通拥堵、高空作业、灾害快速救援等难题！丘孔点评，如果快速进入量产，相信城市交通能够极大的便利。但是这玩意估计会用在专业领域，毕竟风险较大，很容易碰撞到建筑物，也需要专门的航道。目前无人飞机爱好者都需要到郊区比赛，飞行滑板距离我们还需要多少年？飞行照片非常酷炫，我贴了张照片在公号，一定要看一下。5、中国工程院院士邬贺铨的数据显示：2020 年 8 月我国 IPv6 活跃用户数达 3.65 亿。丘孔点评，ipv4的资源过早的被米国机构占用，我们全国的数量比不过人家一个大学，现在很多机房都是租用人家的ip地址，导致资金外流。ipv6是v4的超集，未来我们解析域名，只解析ipv6地址，也可以搞自己网站，至少保证在我国的访问的畅通性，那就很好了。还有域名资源，一年只是com域名，不知道我国要拿多少钱给某些机构。6、三星在韩国份额再创新高，苹果已跌至 10% 以下。7、日前，郝俊波律师事务所通过官方微信公号 “国际律师”发布消息称，阿里巴巴因证券欺诈案已经于近日被美股投资者诉至法院。具体而言，投资者指控阿里在 2020 年 10 月 21 日至 2020 年 11 月 3 日期间，就公司的业务和运营状况及发展前景进行虚假陈述，未向投资者披露与蚂蚁集团暂缓上市相关的重大不利事实。对此，蓝鲸 TMT 记者向阿里方面相关人士求证，对方暂未回复。丘孔点评，诚信很重要，股票都卖掉吧。8、特斯拉在美国加州Firebaugh启用了全球第一大超级充电站。具体来说，该站点配置了56个V3超充桩，位于洛杉矶和旧金山湾区之间。丘孔点评，丘孔一定会在近期找个电动汽车去体验一下，新事物都来这么久了，我还没有开过，简直有辱科技达人的称号。9、阿里巴巴推出了一款名为 “阿里云网盘”的独立 App，之后更名为 “阿里云盘”，启动页面显示，阿里云盘拥有 1T 存储空间，支持 5G 极速下载。目前阿里云盘个人云种子用户已开始发放邀请码，感兴趣的用户可以关注一下。丘孔点评，看到这个，不得不吐槽一下迅雷。拿了一手好牌，出了一堆昏招，云盘推出的这么晚，还赶上云盘大爆发；更可恨的是下载了只给500g，诱导你安装手机版，安装了手机版，还找不到手机碎片的地方。据说迅雷的名称跟雷军有关，我一点都不信，雷军应该不会有这样的视野。丘孔大言不惭，如果我做迅雷的ceo，也能秒杀现在的家伙。10、近期百度网盘增加了一个名为 “收集文件”的新功能，发起者可以创建收集链接，别人就可以把自己网盘里的文件直接塞到你的网盘里。该功能可设置的最长的搜集时间为 30 天，最多可以搜集 500 人分享的文件。还可以设置接收的文件类型，例如只接收视频、音频文件。丘孔，一个长期主义奉行者。2020年11月16日。哪怕帮你领先一分钟，也算丘孔报科技的欣慰了，希望得到哪怕一点帮助的朋友帮忙转发。

Big Red with the biggest trade in FFL History & Firebaugh went full Firebaugh. Big week!

On today's episode: -Jim Harbaugh....on the hot seat? -Texas A&M wins...but still manages to break Kayce's heart. -The worst game of the CFB year? -Brandon gives a PSA to Mississippi State fans. -It's time to start respecting Cincinnati. -Dan Mullen vs. everybody -Mike Gundy not being able to win the big one. -Do we believe in Clemson without Trevor this weekend? 0:00: Intro. 4:23: Show overview. 14:22: Big Ten 25:02: 10 takes from Brandon Walker. 49:27: Big 12 1:01:00: Brandon Walker's BeCAUSE List 1:13:04: Hot takes from the Roughnecks 1:29:05: Who won & lost the weekend? 1:36:00: SHIT LIST

Welcome to our town hall event called Managing our Mental Wellness Amongst the Media Mayhem! With 6 days to go until Election Day, we are being bombarded with messages on social media, text messages from candidates running for office, and information overload. We have two panelists with us today to talk about Mental Wellness during this overwhelming time, Greg Vogt and Cassie Firebaugh. Some frightening statistics: More than two-thirds of adults in the United States say that the 2020 election is a significant source of stress in their lives, according to new data from the American Psychological Association (APA). That's a significant increase from 2016, when just 52% of survey respondents said that they found the election to be a source of stress. Now, 68% of respondents said that the election was bringing them stress. According to the APA data, the levels of stress vary based on different demographics. Adults with chronic conditions are "consistently more likely" to call the election a source of stress than adults without chronic conditions (39% vs. 28%). The proportion of Black adults calling the election a source of stress has also jumped significantly: 46% of surveyed Black Americans said the 2016 election was a source of stress, compared to 71% of respondents this year. Presidential Election Anxiety is a real thing, and we're going to discuss all of it today. Link: https://www.youtube.com/watch?v=EZB03Lks9cs https://www.youtube.com/watch?v=EZB03Lks9cs

Coach Coleman and Coach McGraw sit down with one of the best high school coaches they have had the pleasure to coach against. Kyle Yano-Goss has over 20 years of coaching experience at all levels of high school basketball. He gives great insight at what it's like to coach varsity basketball at small schools and how he built an amazing program in Firebaugh California. Every coach needs to give this a listen as Kyle is someone we both look up to in this coaching fraternity.

On today’s podcast:   VW plans to sell 500,000 ID.4 electric cars per year Electrify America Introduces New Pricing Structure Rimac to acquire Bugatti Electric Ford F-150 Will Be Dual Motor Tesla Will Soon Start HW3 Retrofit for Model 3 in Europe Tesla is quietly building a mammoth Supercharger LG Chem to spin off battery unit amid rising EV demand Plug-in hybrids are a 'wolf in sheep's clothing' Chevy Bolt Becomes Tiny Electric Van   Show #891   Good morning, good afternoon and good evening wherever you are in the world, welcome to EV News Daily for Thursday 17th September 2020. It’s Martyn Lee here and I go through every EV story so you don't have to.   Thank you to MYEV.com for helping make this show, they’ve built the first marketplace specifically for Electric Vehicles. It’s a totally free marketplace that simplifies the buying and selling process, and help you learn about EVs along the way too.   VW PLANS TO SELL 500,000 ID.4 ELECTRIC CARS PER YEAR "VW is hyping the launch of the ID.4 electric SUV coming next week with new releases, and in a new interview with executives today, the automaker said that it plans to sell 500,000 ID.4 vehicles per year. Now Volkswagen has released an interview with Ralf Brandstätter, CEO of the brand, and Thomas Ulbrich, member of the Board of Management responsible for e-mobility, talking about the ID.4. In the interview, Brandstätter said that VW plans to sell 1.5 million electric cars per year by 2025, and they aim for ID.4 to account for ~500,000 of those sales" writes electrek: "Volkswagen is going to fully unveil the ID.4 next week, and deliveries are expected to start in the coming weeks."   VW said: "Volkswagen wants to become the world market leader in e-mobility — but that won’t happen by itself. The Volkswagen brand is therefore investing around 11 billion euros by 2024. As a compact SUV, the ID.4 has, in our view, the best prerequisites for being successful in a large scale in all important markets. We therefore expect the Volkswagen brand to produce a total of 1.5 million e-cars per year by 2025. And the ID.4 is likely to account for around a third of this. The ID.4 will thus become the driving force behind our reorientation a hundred thousand times over."   https://electrek.co/2020/09/17/vw-plans-sell-id-4-electric-cars-per-year/   ELECTRIFY AMERICA INTRODUCES NEW PRICING STRUCTURE Electrify America today introduced a new pricing structure designed to provide electric vehicle (EV) owners with consistent and transparent rates across its public brand-neutral fast-charging network.   Customers will now experience more competitive rates and overall savings in most cases as Electrify America now offers kilowatt-hour (kWh) pricing, depending upon the state where the EV is charged. Plus, all session fees have been eliminated. Electrify America will now charge customers in 23 states plus the District of Columbia by the kilowatt-hour. This update reflects a growing preference by EV drivers for kWh pricing, which bills customers by the quantity of energy they use to charge their vehicle, similar to gas station pricing on a per-gallon basis. More than 78 percent of charging on the Electrify America network takes place in states where kWh pricing will be implemented. Rates start at $0.31 per kilowatt hour. For complete details, visit  electrifyamerica.com/pricing. In the remaining states where the company operates, Electrify America will continue to offer pricing on a per-minute basis with customers billed for the time spent charging.   https://media.electrifyamerica.com/en-us/releases/111   RIMAC TO ACQUIRE BUGATTI "VW Group is on the verge of offloading Bugatti to Croatian electromobility powerhouse Rimac Automobili. Bugatti – the luxury brand best known for today's 16-cylinder hypercars and its pre-WWII automotive masterpieces – will likely be transferred to Rimac via Porsche, in exchange for a bigger share in Europe's answer to Tesla. Sources say VW executives approved the deal last week, but it has yet to be signed off by the supervisory board." says Car Magazine in an exclusive report: "Volkswagen Group no longer wants to lavish money and manpower on the so-called hobby brands acquired by the former CEO. Instead, all resources must be devoted to fund the massive investment programme in the future of motoring – electrification, digitalisation and autonomous driving.If the future of motoring is electric – not 1500hp petrol-powered hypercars that sell in the hundreds – then getting their hooks further into Rimac, a company with a reputation for stellar EV tech, sounds very beneficial indeed. Back in 2018, Porsche acquired a ten per cent share in Rimac Automobili. In 2019, they bought another 5.5 per cent. By doing so, Porsche is in good company: other investors include Hyundai, Jaguar, Koenigsegg and Magna. Indeed when CAR visited earlier this year, founder Mate Rimac counted 15 car companies using its tech know-how. Rimac isn’t yet publicly traded, with the founder holding a 51 per cent majority interest. But there is an enormous buzz around the company – the last funding round pegged its value north of £500m. "   And: "And, as reported in CAR's August 2020 issue, the Wolfsburg grapevine repeats that Bugatti may not be the only brand set to depart VW for new hunting grounds. Also under investigation are – in this order – Lamborghini, Seat (to be repositioned by merging with Cupra which is due to become the lead marque), Ital Design, Bentley and Ducati"   https://www.carmagazine.co.uk/car-news/industry-news/bugatti/vw-group-rimac/   Subscribe to CAR Magazine here: https://www.greatmagazines.co.uk/car-magazine   ELECTRIC FORD F-150 WILL BE DUAL MOTOR "Ford announced on Thursday that it would be investing upwards of $700 million in a new facility at its Rouge vehicle assembly complex to build the forthcoming electric F-150. The construction should add 300 jobs, Ford said, which will focus on battery assembly and producing both the electric F-150 and the F-150 PowerBoost hybrid." says CNET.   And: "The new all-electric Ford F-150 will also feature a“giant front trunk” to secure important cargo and deliver a safer vehicle. Considering it will still be an F-150, the fact that it is originally conceived to be a combustion-engined vehicle may impose some compromises on the battery-powered pickup truck. Having a battery pack will allow it to provide “more than 40 percent savings for its lifetime total cost of operation” compared to the ICE F-150. Updates will also be made over the air, like any Tesla already does since September 2012." according to InsideEVs.   https://www.cnet.com/roadshow/news/ford-f150-electric-pickup-truck/   https://insideevs.com/news/444407/all-electric-ford-f-150-mid-2022/?utm_source=RSS&utm_medium=referral&utm_campaign=RSS-all-articles   TESLA WILL SOON START HW3 RETROFIT FOR MODEL 3 IN EUROPE "Tesla will soon begin hardware 3.0 upgrades for Model 3 in Europe. This initiative is another sign of Tesla's commitment to expanding its Full Self-Driving functionality rollout, which is expected to reach full-scale in the near future. The HW3 retrofit will be available for electric vehicles equipped with HW2 and HW2.5, whose owners have purchased the company's Full Self-Driving package. The new computer (HW3) has been installed in all new Model S and Model X vehicles since March 2019 and in all new Model 3 vehicles produced since April of that year." reports Tesmanian: "For now, owners from regions such as Europe and Australia have not yet received the promised HW3 block. But this situation may soon change. A Model 3 owner from Europe asked Tesla CEO Elon Musk when the company will begin retrofitting Model 3 hardware in Europe. Musk replied that this should happen soon."   https://www.tesmanian.com/blogs/tesmanian-blog/tesla-will-start-hw3-retrofit-for-model-3-in-europe-soon-says-elon-musk   TESLA IS QUIETLY BUILDING A MAMMOTH SUPERCHARGER "As noted recently by Tesla enthusiast @bryanMackSC, he recently came across a Supercharger station that’s currently under construction in Firebaugh, California. The site seemed to be fairly new, as even trackers like supercharge.info did not list the site until very recently. What is rather interesting was that the Supercharger in question had over 50 stalls, making it notably larger than the Kettleman site, which is already one of the largest in the world. " says TEslarati: "It did not take long before fellow Tesla enthusiast @MontrealTesla, who tracks updates to the Supercharger Network, was able to retrieve filings for the Firebaugh site. As it turned out, the site will host 56 Tesla Superchargers, and it will be in the same vicinity as a full-fledged restaurant and convenience store. "   https://www.teslarati.com/tesla-worlds-largest-supercharger-restaurant-pictures/   LG CHEM TO SPIN OFF BATTERY UNIT AMID RISING EV DEMAND "LG Chem is to spin off its battery business in December, seeking to capitalize on rising interest in the sector as global demand for electric vehicles rises. The South Korean company said on Thursday that its board had approved the plan for a new subsidiary, tentatively named LG Energy Solution. The decision is subject to shareholder approval at a general meeting scheduled for Oct. 30." reports Nikkei.coM: "Projected battery demand from EVs produced in Europe is more than five times the volume of currently confirmed battery projects in Europe, according to McKinsey. LG Chem is a leading player in the EV battery market, accounting for one-quarter of market share. The company supplies many global automakers including Hyundai Motor, Kia Motors, GM, Ford, Volkswagen, Renault and Volvo."   LG CHem said: ""This is the right time for the spinoff as the battery industry is growing rapidly and profits from the EV battery sector are increasing. With the spinoff we can focus on a specialized business sector as well as improve efficiency in management, boosting values for the company and shareholders."   https://asia.nikkei.com/Business/Companies/LG-Chem-to-spin-off-battery-unit-amid-rising-EV-demand   PLUG-IN HYBRIDS ARE A 'WOLF IN SHEEP'S CLOTHING' "Carbon dioxide emissions from plug-in hybrid cars are as much as two-and-a-half times higher than official tests suggest, according to new research. But analysis from pressure groups Transport and Environment and Greenpeace suggest they emit an average of 120g of CO2 per km. That compares with the 44g per km in official "lab" tests" reports the BBC: "The new research is published as the government considers whether to bring forward a proposed ban on the sale of new petrol, diesel and conventional hybrid cars from 2035 to 2030. The BBC understands one suggestion is that plug-in hybrids should be given a stay of execution, with new sales allowed to continue until 2035. That's because they can offer a 20- to 40-mile range as a purely electric vehicle and are therefore potentially significantly less polluting than other vehicles. But this new analysis from Transport and Environment and Greenpeace suggests they don't offer anything like the carbon dioxide savings claimed for them by manufacturers. The motor industry acknowledges that lab tests don't always reflect real-world use but criticised the report, saying it uses emissions data from a test that is two years old."   Rebecca Newsom, Greenpeacve head of politics: "They may seem a much more environmentally friendly choice, but false claims of lower emissions are a ploy by car manufacturers to go on producing SUVs and petrol and diesel engines."   https://www.bbc.co.uk/news/science-environment-54170207   CHEVY BOLT BECOMES TINY ELECTRIC VAN " if you’re willing to sacrifice the rear seats entirely, you may be able to get a Chevy Bolt that has plenty of cargo space. A commercial version of the Bolt can be ordered with a Rear Seat Delete Package, which increases the Bolt’s nominal cargo capacity from 56.6 cubic feet with the rear seats folded to 66 cubic feet, and greatly increases its usefulness by providing a flat loading floor." says ChargedEVs: "As GM points out, this gives you more usable cargo space than many an SUV, including the Chevy Equinox. This version of the Bolt can only be ordered through GM’s fleet sales program. It’s unclear how, or whether, an individual can go about buying one"   https://chargedevs.com/newswire/rear-seat-delete-option-converts-the-chevy-bolt-to-a-tiny-electric-van/   You can listen to all 892 previous episodes of this this for free, where you get your podcasts from, plus the blog https://www.evnewsdaily.com/ – remember to subscribe, which means you don’t have to think about downloading the show each day, plus you get it first and free and automatically.   It would mean a lot if you could take 2mins to leave a quick review on whichever platform you download the podcast.   And  if you have an Amazon Echo, download our Alexa Skill, search for EV News Daily and add it as a flash briefing.   Come and say hi on Facebook, LinkedIn or Twitter just search EV News Daily, have a wonderful day, I’ll catch you tomorrow and remember…there’s no such thing as a self-charging hybrid.     PHIL ROBERTS / ELECTRIC FUTURE (PREMIUM PARTNER) BRAD CROSBY (PREMIUM PARTNER) AVID TECHNOLOGY (PREMIUM PARTNER) PORSCHE OF THE VILLAGE CINCINNATI (PREMIUM PARTNER) AUDI CINCINNATI EAST (PREMIUM PARTNER) VOLVO CARS CINCINNATI EAST (PREMIUM PARTNER) NATIONALCARCHARGING.COM and ALOHACHARGE.COM  (PREMIUM PARTNER) DEREK REILLY FROM THE EV REVIEW IRELAND YOUTUBE CHANNEL (PREMIUM PARTNER)   DAVID AND LISA ALLEN (PARTNER) OEM AUDIO OF NEW ZEALAND AND EVPOWER.CO.NZ (PARTNER) GARETH HAMER eMOBILITY NORWAY HTTPS://WWW.EMOBILITYNORWAY.COM/  (PARTNER) BOB BOOTHBY – MILLBROOK COTTAGES AND ELOPEMENT WEDDING VENUE (PARTNER) DARIN MCLESKEY FROM DENOVO REAL ESTATE (PARTNER) JUKKA KUKONEN FROM WWW.SHIFT2ELECTRIC.COM RAJEEV NARAYAN (EXECUTIVE PRODUCER)   ALAN ROBSON (EXECUTIVE PRODUCER) ALAN SHEDD (EXECUTIVE PRODUCER) ALEX BANAHENE (EXECUTIVE PRODUCER) ALEXANDER FRANK @ https://www.youtube.com/c/alexsuniverse42 ANDERS HOVE (EXECUTIVE PRODUCER) ANDREA JEFFERSON (EXECUTIVE PRODUCER) ASEER KHALID (EXECUTIVE PRODUCER) ASHLEY HILL (EXECUTIVE PRODUCER) BÅRD FJUKSTAD (EXECUTIVE PRODUCER) BRENT KINGSFORD (EXECUTIVE PRODUCER) BRIAN THOMPSON (EXECUTIVE PRODUCER) BRUCE BOHANNAN (EXECUTIVE PRODUCER) CHARLES HALL (EXECUTIVE PRODUCER) CHRIS HOPKINS (EXECUTIVE PRODUCER) COLIN HENNESSY AND CAMBSEV (EXECUTIVE PRODUCER) CRAIG COLES (EXECUTIVE PRODUCER) CRAIG ROGERS (EXECUTIVE PRODUCER) DAMIEN DAVIS (EXECUTIVE PRODUCER) DARREN FEATCH (EXECUTIVE PRODUCER) DAVE DEWSON (EXECUTIVE PRODUCER) DAVID FINCH (EXECUTIVE PRODUCER) DAVID MOORE (EXECUTIVE PRODUCER) DAVID PARTINGTON (EXECUTIVE PRODUCER) DAVID PRESCOTT (EXECUTIVE PRODUCER) DON MCALLISTER / SCREENCASTSONLINE.COM (EXECUTIVE PRODUCER) ERU KYEYUNE-NYOMBI (EXECUTIVE PRODUCER) FREDRIK ROVIK (EXECUTIVE PRODUCER) GENE RUBIN (EXECUTIVE PRODUCER) GILBERTO ROSADO (EXECUTIVE PRODUCER) GEOFF LOWE (EXECUTIVE PRODUCER) HEDLEY WRIGHT (EXECUTIVE PRODUCER) IAN GRIFFITHS (EXECUTIVE PRODUCER) IAN SEAR (EXECUTIVE PRODUCER) IAN (WATTIE) WATKINS (EXECUTIVE PRODUCER) JACK OAKLEY (EXECUTIVE PRODUCER) JAMES STORR (EXECUTIVE PRODUCER) JIM MORRIS (EXECUTIVE PRODICERS) JOHN C SOLAR (EXECUTIVE PRODUCER) JON AKA BEARDY MCBEARDFACE FROM KENT EVS (EXECUTIVE PRODUCER) JON MANCHAK (EXECUTIVE PRODUCER) JUAN GONZALEZ (EXECUTIVE PRODUCER) KEN MORRIS (EXECUTIVE PRODUCER) KEVIN MEYERSON (EXECUTIVE PRODUCER) KYLE MAHAN (EXECUTIVE PRODUCER) LARS DAHLAGER (EXECUTIVE PRODUCER) LAURENCE D ALLEN (EXECUTIVE PRODUCER) LEE BROWN (EXECUTIVE PRODUCER) LUKE CULLEY (EXECUTIVE PRODUCER) MARCEL WARD (EXECUTIVE PRODUCER) MARK BOSSERT (EXECUTIVE PRODUCER) MARTY YOUNG  (EXECUTIVE PRODUCER) MATT PISCIONE (EXECUTIVE PRODUCER) MIA OPPELSTRUP (PARTNER) MICHAEL PASTRONE (EXECUTIVE PRODUCER) MIKE WINTER (EXECUTIVE PRODUCER) NATHAN GORE-BROWN (EXECUTIVE PRODUCER) NEIL E ROBERTS FROM SUSSEX EVS (EXECUTIVE PRODUCER) NIGEL MILES (EXECUTIVE PRODUCER) OHAD ASTON (EXECUTIVE PRODUCER) PAUL RIDINGS (EXECUTIVE PRODUCER)               PAUL STEPHENSON (EXECUTIVE PRODUCER) PETE GLASS (EXECUTIVE PRODUCER) PETE GORTON (EXECUTIVE PRODUCER) PETER & DEE ROBERTS FROM OXON EVS (EXECUTIVE PRODUCER)  PHIL MOUCHET (EXECUTIVE PRODUCER) PHILIP TRAUTMAN (EXECUTIVE PRODUCER) RAJ BADWAL (EXECUTIVE PRODUCER) RENE KEEMIK (EXECUTIVE PRODUCER) RENÉ SCHNEIDER (EXECUTIVE PRODUCER) RICHARD LUPINSKY (EXECUTIVE PRODUCER) ROB HERMANS (EXECUTIVE PRODUCER) ROB FROM THE RSTHINKS EV CHANNEL ON YOUTUBE (EXECUTIVE PRODUCER) RUPERT MITCHELL (EXECUTIVE PRODUCER) SEIKI PAYNE (EXECUTIVE PRODUCER) STEPHEN PENN (EXECUTIVE PRODUCER) STEVE JOHN (EXECUTIVE PRODUCER) THOMAS J. THIAS  (EXECUTIVE PRODUCER) TODD OAKES (EXECUTIVE PRODUCER) THE PLUGSEEKER – EV YOUTUBE CHANNEL (EXECUTIVE PRODUCER) TIM GUTTERIDGE (EXECUTIVE PRODUCER) WILLIAM LANGHORNE (EXECUTIVE PRODUCER)     CONNECT WITH ME! EVne.ws/itunes EVne.ws/tunein EVne.ws/googleplay EVne.ws/stitcher EVne.ws/youtube EVne.ws/iheart EVne.ws/blog EVne.ws/patreon   Check out MYEV.com for more details: https://www.myev.com

As fires continue to ravage Northern California, farm workers in the San Joaquin Valley now have to protect themselves from poor air quality on top of COVID-19. One farm worker says it’s made working in the fields even harder. Oralia Bautista is 34 years old. Six days a week she commutes with her husband from Fresno to pick tomatoes in Firebaugh. While working, she always wears a mask. “It helps filter out the bad air we’re breathing, but it's also hard because well, it’s hard to breathe with the mask on to begin with,” she said. The contractor she works for provides masks for the farm workers but they aren’t the recommended N95 masks that protect against the virus and poor air quality, she said. And with her allergies aggravated by the smoke, Bautista’s afraid people will assume she’s ill. “It's complicated because if someone needs to sneeze or cough due to the air quality, you have to try to hide it or else people will think you're sick,” she said. “And they might not call you back

The gang chat to guest Tiffany Firebaugh (Boogie Manja) about elephants playing instruments, a baby blood bath rumor, avocados and animals, the oldest magic trick in town - where is the ball? and viagra for gardeners (for their plants). One of the gang gets vocally possessed! And we're bringing poofs of smoke back so we can all make an exit. Tell us! Do you have a great fact? Do you want us to share it? Leave us a voice message, send us an email, dm us (details below) Guest - Tiffany Firebaugh socials Follow Tiffany on IG @tiffindor_ Find Tiff at https://www.tiffanyfirebaugh.com/ TRASH socials IG: @wearetrashcomedy T: @wertrashcomedy FB: https://www.facebook.com/wearetrashcomedy Apocalypse Podcast Network Hot Goss with TRASH is part of the Apocalypse Podcast Network https://www.apocalypsepodcastnetwork.com/ https://www.facebook.com/ApocalypsePodcastNetwork --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/hotgosswithtrashcomedy/message

Welcome to the Yahoo Sports Fantasy Football Podcast! Matt Harmon and Dalton Del Don are back to discuss all things fantasy and all things football on the latest episode.[Create or join a 2020 Yahoo Fantasy Football League for free today] You might have heard — just might — that Kansas City Chiefs quarterback and clearly otherworldy being Patrick Mahomes signed the richest contract in sports HISTORY. We imagine that the Chiefs read our team preview and said to themselves, “Yeah, he's pretty good.” But in all seriousness, how should fantasy managers approach the QB Deity and his surrounding team this year in drafts? (01:41)Elsewhere in Chiefs news, could it be that we’ve tossed Damien Williams to the side too rashly? According to his running backs coach,Williams is expected to have a “big year.” Does this mean trouble for super-hyped rookie, Clyde Edwards-Helaire? (07:10)One of the more polarizing players in 2020 fantasy drafts is Buffalo Bills quarterback Josh Allen. Matt and Dalton weigh in on if the Firebaugh, California native is an inaccurate scrambler who's being overrated in fantasy drafts or a future fantasy MVP. (19:48)Please remember to rate, review, and subscribe on your podcast provider of choice and send us your questions for future episodes on Twitter @YahooFantasy.Follow Matt: @MattHarmon_BYBFollow Dalton: @daltondeldonCheck out the rest of the Yahoo Sports Podcast family at https://apple.co/2Abi8jk or at yahoosports.com/podcasts See acast.com/privacy for privacy and opt-out information.

The Smoke Break Podcast crew introduce themselves and we discuss our Firebaugh project. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Firebaugh Mayor Pro Tem, Freddy Valdez sits down and discusses his cities' response to the pandemic. Firebaugh initially, became a hotspot of COVID19 cases in Fresno County which prompted the city to implement some of the most restrictive stay at home orders in the State. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Koppen With Comic (https://twitter.com/KoppenWithComic) Comedy geek Brian Koppen sits down with NYC Comedian Tiffany Firebaugh: https://twitter.com/Tiff_Firebaugh https://www.tiffanyfirebaugh.com/ Music by Horse (https://paulkump.bandcamp.com/track/jog-in-place) Produced at QED Astoria by Erik NyquistSupport the show (https://twitter.com/KoppenWithComic)

FFL playoffs Round 1 breakdown Firebaugh Freaks GM Jordan Bailey!

Welcome back to Episode 10 of ESFFL: The Podcast! In our tenth episode, we rejoice in the victory of one unfortunate franchise, host an interview with your current champion/week 7 high scorer, David, and reveal the FAAB Playoff system. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Welcome back to ESFFL: The Podcast! In episode 9, we reveal the massive moves made by some struggling franchises, discuss the tarnished power rankings, and an exclusive interview with the owner out of Firebaugh, Diego Fiego. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Halloween: Tales told at dinner, long ago, yet to give you the creeps tonight. Enjoy your walk home in the dark. -The Voice before the Void “Witches and a Werewolf” from Satyricon Petronius translated from the Latin by W.C. Firebaugh … Continue reading →

Felipe Pérez, Miembro del Concilio de la Ciudad de Firebaugh comparte con Jim Grant la importance del Censo 2020 y por que tenemos que hacer todo lo posible para conseguir un cuento total, puesto que tanto depende de esto. También compartirá su jornada personal de Fe y la importancia de la Justicia Social en su vida personal y profesional.

How confident are you in your ability to meet your financial goals? If you’re like the majority of Americans, your confidence level is probably not very high. Find out why our financial confidence seems to be going down even though the economy, as a whole, is improving, and what you can do to become more confident and capable of achieving your financial goals. Before there was Mr. Ed or Rocket the Raccoon, there was Dr. Dolittle, a doctor that could talk to a number of different animals. One of which was especially interesting, the pushmi-pullyu, an animal that had a head on each end. The pushmi-pullyu was always confused about which way to go or what to do, which is how many people feel about their finances. There was a study put out by FINRA that shows that financial capability, financial stability and overall confidence is going down, even while the economy has been improving. Financial capability is our ability to reach our financial goals, whatever those may be for your stage of life. Stability is your ability to respond to unexpected changes in your life without getting derailed from your goals. Lack of confidence means we are more reactive than proactive. Pilots train emergency scenarios specifically to build their confidence. Stress testing your financial plan and thinking about the “what if?” scenarios is a way to plan ahead and increase your confidence in your ability to handle those situations. Acting creates capability and stability, and that all circles back to create more confidence. The FINRA study found that 53% of people surveyed and 63% of millennials said that thinking about money gave them anxiety. It also found that 44% of people and 55% of millennials said that discussing finances was stressful. That’s the quandary of the pushmi-pullyu, where we are operating against ourselves. 71% of people said that they had a high level of financial knowledge but only 34% had basic financial literacy skills. This is the major delusion that most Americans have and the trend seems to be accelerating. Write down your goals and then write your confidence level that you will be able to achieve those goals. Once you’ve done that, write down why you feel confident or not. Once you have that, consider talking to somebody to get some perspective about how confident you should be. One thing to keep in mind is if you are anxious about talking about money, that’s a very good sign that putting yourself through the rigors of actually doing it, is your best course of action.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

The Great Wealth Transfer is coming and what you do with your share of the $68.4 trillion that will be passed on to the next generation could determine your financial future. Find out what it  means to your retirement if you learn how to stretch your money while you still can. Stretch when you can or conversely, stretch before you can’t. Stretching applies to more than just exercise, it helps build wealth too. There is something called the Great Wealth Transfer going on, where 45 million households will leave $68.4 trillion to the next generation over the next 25 years. Your share of this money may be the foundation for your own financial future. The generations after the Baby Boomers have had to deal with a number of factors that other generations haven’t had to experience. The average graduate in 2018 came out with $35,000 in student debt and a 10-year $400 monthly payment. Many of those people admitted to wishing they chose a less expensive education. When you inherit a retirement account from someone other than your spouse, you have an opportunity on your hands. The first choice is to take the money out, but your second choice is to make the money stretch a little further. If you take the money out, you are going to pay any income taxes that are due, but since it was someone else’s retirement account, you will not pay any penalty no matter how old you are. Stretching the money out is the option of opportunity. Under the tax code, when you inherit a retirement account, there is a minimum amount you have to take out each year called the Required Minimum Distribution (RMD). The RMD is based on your minimum life expectancy. Let’s say you inherit a $50,000 regular IRA, the kind on which you have to pay taxes when you take money out. There are two variables you have to take into account: the age in which you inherit it and the rate of return you could earn if you leave the money in the account. If the rate of return is 6% and you only withdraw the tax-code minimum, you would be able to withdraw over $237,000 over the course of your life expectancy. The choice you face is either $50,000 now or $237,000 over time, but there is some legislation coming down the pipe that may change the math. The SECURE act that is moving through Congress essentially enhances your ability to stretch the money out and would require you to withdraw all the inherited money over a 10-year period. It will ultimately depend on all the things you can do with that money. Every time you look at a financial situation, you have to look at your own personal situation. You may have a health crisis or debts to pay down that would make taking the money up front make more sense. The big opportunity right now is to build your financial plan without assuming you’re going to inherit money because you can’t plan for it. You should also do a beneficiary designation and decide who gets to do the stretch when you die. Imagine your legacy and your parent’s or grandparent’s legacy if it’s not optimized when they die.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

How do you know the correct amount of life insurance coverage you should get? There’s an easy way to answer that question but most people have no idea where to start. There is a simple template to make sure your life insurance is adequate to take care of your family’s needs after you’re gone. Can you have a negative net value for your life? That depends on how and who’s doing the calculation. There is a template that Wayne created that allows you to figure out how valuable you are called “Can You Spare a DIME?” The D is debts. When you pass away, your debts need to be repaid or your loved ones get saddled with them after you’re gone. The I is Income Shortfall. How much income is your family going to need when you’re gone? The M is Missed Goals and Opportunities. Will your spouse be able to afford to save for retirement or will your child have to fund their own education because you’re gone? The E is Extra Expenses. Funeral costs, childcare and counselling will all come into play here. Once you determine these numbers, you can use them as a template to know how much life insurance you should be buying. Nobody likes life insurance but the check your family receives after you die is probably the most welcome check they will ever get. Most people don’t have enough life insurance. 59% of adults report that they have some form of life insurance but a lot of that comes from workplace-provided insurance which can drastically fall short in the amount of coverage your family will need. The best way to view workplace-provided life insurance is that it’s supplemental at best. The people who do have life insurance, around 1 in 5 admit that they probably don’t have enough life insurance. It’s often the stay-at-home spouse that gets neglected in the DIME calculation and ends up under-insured. Most people, when crunching the numbers, only think about debts and income shortfall but that doesn’t take into account the needs of a stay-at-home spouse. The first thing to do is figure out the value of your DIME calculation. Once you’ve got some rough figures, consider getting a fiduciary financial advisor who has your interests first.    To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

You want your money to work as hard for you as you work to earn it. The way to do that is to understand what Einstein referred to as the “eighth wonder of the world.” Wayne and Lisa talk about the incredible power of compound interest, and how it can make or break your financial plans. “Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn’t, pays it.” -Albert Einstein We don’t want the value of our money to be static. When we invest it, we are looking for a return. The change of the value of that money happens at an increasing rate due to compounding, where your money earns money and the return also earns a return. Simple interest is when you have a $1,000 investment that pays 10% per year for the next 20 years. That means that your investment earns $100 per year, so at the end of the 20 years, you would have $3,000. With compound interest, you would have $6,727 instead. Another way to think about it would be, would you rather have a million dollars today or one penny doubled over the next 30 days? Most people will go for the million dollars, but the other option adds up to over $10 million by the end of the 30-day period. A very small increase in the compounding interest rate can add up to a very large amount of money. The effect is magnified by the compounding over time. How you choose your investments also has financial implications. Generally, you’re going to want to choose the highest returning investments. This will also affect how you are going to spend, both now and in retirement. Cost of living is also affected, through inflation and purchasing power. Investing conservatively can be great for minimizing risk, but it comes with a separate risk, namely not earning enough compound interest to compete with inflation. Your debt is also affected by compound interest. Take your credit card statements, for example, where you can see a small amount of debt turn into a gigantic financial obligation because of compounding. Small differences in rates can have a big impact on your ability to achieve your goals within a given timeframe. The earlier you start investing, the more time you have to take advantage of the benefits of compounding interest. A good way to think about it is in terms of how hard you work versus how hard your money works. You can choose to take a lower risk, but you will get a lower return. If you want to get to a certain goal, that means you will need to plan for a longer timeline to get there. There are always trade-offs with the three R’s: Risk, Reward, and Ready Access. The question for you, is it going to be worth it? Look at your debts and your investments. Pick one investment, and think about how you can get a higher return. Then pick one debt, and think about how you can reduce the rate. When planning your future, consider how compounding is going to affect your living, and make sure you run the numbers.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

At first glance, Firebaugh doesn’t seem to have much going for it as a small, agricultural community in the fifth poorest region in America. Yet somehow 97% of students in this primarily immigrant town graduate high school and 77% head to college. In the inaugural episode of Zip Code Economies, we discover the recipe for this success at Firebaugh High School.   Interviewees: Luis Sanchez Luis Linares Russell Freitas Cynthia Best Organizations: Firebaugh High School

Can a physical place be a source of comfort? Can it be a light in the midst of darkness? We explore these questions and more in this episode of Zip Code Economies, as we return to the community of Firebaugh. From the Firebaugh Police Department, which serves as a type of community hub, to the campus of West Hills Community College operating in a former bowling alley, we meet individuals living out the message: Your current state does not have to determine your future state. Interviewees:  Salvador Raygoza Fernando Moreno Raquel Tabares Brady Jenkins Angelic Salinas Amber Myrick Organizations: Firebaugh Police Department City of Firebaugh Firebaugh High School West Hills Community College 

What do detonating atomic bombs and financial planning have in common? Both require that we test our assumptions and run the numbers before making big decisions. That’s the topic of the show today: find out how Monte Carlo simulations can help you figure out if your current investments will help you reach your financial goals.When it comes to knocking down buildings, we use a lot of complex math called Monte Carlo testing to make the implosion predictable and controlled. The same principles apply to our financial planning. The history of Monte Carlo testing came from the Manhattan Project. You can’t set off a nuke to test every assumption, so they used complex math to simulate different outcomes. You can do the same thing to test inflation, salary rates, longevity, or social security inflation rates. You want to assess the probability of success given the parameters, and move them around to hopefully find the best results. Since we have a lot of computing power available to us these days, we can test thousands of scenarios where the variables can be randomized based on historical performance. This kind of testing can predict whether you will be able to retire at 65 or that your money will last for your lifetime. You can then decide if that is enough of a confidence level for you to proceed or to take actions to increase the probability. Many clients feel a tremendous amount of relief when they are shown the results of this kind of testing. Either they get the relief of knowing they can be confident they will make it work, or they have a plan to improve their odds. You can adjust all those variables to help achieve the retirement and investment goals you’re aiming for. Sometimes it’s about getting the “what ifs?” out of your head and putting everything down on paper, so you can go through the testing process and move forward based on the results. One example is secondary education for your children. You can put variables like tuition increases and completion time into the system and see if you’re on track to be able to pay for your kid’s college education. Sometimes people will say “this time is different,” but chances are the situation you’re looking at has probably happened in some way already. All the issues that we are confronting have happened in some way in the past. You have to accept that there is uncertainty in life. There are things we can’t control and we all make regrettable choices, you have to accept that as part of the process. Just don’t let uncertainty paralyze you from making a choice and moving forward.    To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

The IRS is always going to want its cut and if you don’t keep good records of your investments, you may end up paying Uncle Sam way more than you have to. Find out what your basis is and how it can impact your investments and retirement. Wayne got a call from a client who was panicking due to a particularly scary letter from the IRS. They recalculated their taxes owed and determined that the client owed an additional $9,000. Wayne got a call from a client who was panicking due to a particularly scary letter from the IRS. They recalculated their taxes owed and determined that the client owed an additional $9,000. When you sell investments, you get a copy of your 1099 and so does the IRS. The trouble is all the IRS sees on their copy is what you sold the investment for. That’s only half the story, and this is where the concept of basis comes in. Your basis determines how much tax you owe when you sell something. You only owe tax on the difference between what you sold it for and how much you paid for it. The general rule is: if you pay tax on the money you used to buy an investment, you don’t have to pay tax on those dollars ever again. The converse to that rule is that if you didn’t pay taxes on investment dollars, then someday you will have to pay taxes on those dollars. There is always a triggering event, although the IRS doesn’t refer to it that way. For example, if you have a retirement account, taking money out of the account is a triggering event. For non-retirement accounts, the triggering event is when you sell the investments within the account. With common accounts like IRA’s and 401(k)’s you don’t typically pay any income taxes on the money you invest. The triggering event is when you take money out of that account, and at that point it becomes taxable income. There are also complications when you take the money out early. Let’s say you have an investment account. You get paid, having paid taxes on your income already, and then you put after tax income into your investment account. You buy a stock for $100 and it grows to $1000. In that situation, the $100 is your basis. When you sell that investment, the IRS only sees the $1000 and assumes that’s all income unless you tell them otherwise. You have to keep records and let the IRS know at that point. Real estate is treated the same way, but gifts and inheritance are not. If you are gifted a $100 stock from Grandma that is now worth a $1000, her $100 basis carries over to you. With inheritance, if the investment is not in a retirement account your basis resets to the value of the investment on the day that she died. Another exception is a Roth IRA since you don’t get a tax deduction when the money goes in but when you take it out, you don’t pay any taxes on whatever growth you had. Basis is money you paid taxes on, so outside of a retirement account, your basis is whatever you paid for the initial investment. It also includes any additional deposits you make to that investment that are after tax. The best way to protect yourself is to keep good records. Consider the tax implications of any investment transaction because it can affect your social security or your eligibility for deductions.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Nobody likes paying more than they have to, especially when it comes to accessing your own money. Well, that’s what happens when you take money out your retirement account prematurely. Find out why the IRS ATM fee can take a big bite out your potential retirement funds and what you should be doing instead. The IRS has an ATM fee. There is no physical machine, but when you take money out of your retirement account, that money is taxable. Typically we get some sort of tax deferral on the front end. The IRS has an ATM fee. There is no physical machine, but when you take money out of your retirement account, that money is taxable. Typically we get some sort of tax deferral on the front end. What most people forget is that you pay a 10% premature distribution fee, also known as the IRS ATM fee. If you take money out of a retirement account prior to the age of 59 and a half, it’s considered premature and that causes a penalty. If you take $1000 out of your IRA, you’re going to pay some tax. Something like 20%, but you would also pay a 10% fee on top of that, so you’re looking at a cost of $300 just to access your own money. Not only that, but that money is out of your retirement account so you’re no longer getting the compounding interest on it. It can make it easy to fall into the cycle of looking at your retirement account as something that you can continue to draw on whenever you have a need. There are exceptions, but it depends on your type of retirement plan. There are different types of exceptions for IRA’s and employer sponsored plans. It also depends on the purpose of the money. One example is higher education expenses, which are an exception with an IRA but not a 401(k). When retiring from working at the age of 55, that’s an exception with the 401(k) but not the IRA. Usually when people are taking money out of a retirement account, it’s for a hardship, but there is no exception for a hardship. Some plans allow you to take a hardship withdrawal but you still have to pay the IRS ATM fee. To avoid paying this fee, think twice about whether or not there is a slightly less expensive way to get the money. Also, when you are taking money out of your retirement account, you can have them withhold taxes. Make sure you are withholding enough to pay any taxes as well as the penalty. Email info@fireproofyourmoney.com to get your free copy of the Exemption Chart. Develop a cash reserve of at least three months to help you avoid dipping into your retirement accounts when emergencies come up. Always be planning to build your retirement, not withdrawing from it. You don’t want to waste money when there is no do-over.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Easy money, sleazy money. When a crisis happens, it can be very tempting to just borrow some money from your 401(k) to cover the unexpected expense. But before you dip into your retirement savings, find out why you may want to reconsider that 401(k) loan and what you should know about what you’re getting into. Sometimes life feels like it isn’t giving you any options. When that happens, it can be very tempting to take money out of your 401(k), but that’s a pretty bad idea. Just because you have a 401(k), that doesn’t mean your particular 401(k) offers loans. Even when they do, you probably shouldn’t. The trouble is taking money out of your 401(k) doesn’t seem that bad. You’re borrowing from yourself after all, there is no credit check, it’s guaranteed, and you’re going to get a pretty good interest rate. One of the problems with a 401(k) is you have to pay tax on the money twice, and you should always avoid paying unnecessary taxes. The money that you put back in the 401(k) gets taxed, and then when you take it out in the future during retirement you pay taxes again. You’re paying yourself interest on that loan, but it’s not going to be as much as you could earn with other investments. Over the loan period of five years, you’re going to lose the growth on your money that you are going to need to support you during your retirement years. If you ever lose your job for whatever reason, you have to pay back the loan immediately. If you don’t repay it, it’s taxable, and if you’re not 59 and a half, you get hit with a premature distribution penalty. There is also the danger of starting to view your 401(k) as a source of “now” money instead of retirement money, also known as robbing Peter to pay Paul. If you are going to take out a 401(k) loan, make sure you can repay the loan before you take it. Are you going to be at that company for the next 5 years? Also make sure you have the cash flow and understand what the payments are going to be. Your paycheck will go down for the loan repayment period. To get your own 401(k) Loans Fact Chart with the pros and cons of 401(k) loans, email info@fireproofyourmoney.com. Develop a cash reserve of at least three months worth of living expenses so you can avoid taking loans in the future. Put expected but irregular items into your budget. For anything that can reasonably happen to you but would be unexpected, get the right insurance.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

***KNOW A FIT BODY MEMBER THAT WOULD BE GREAT FOR THE SHOW? EMAIL LIZ@FITBODYBOOTCAMP.COM TO NOMINATE THEM TO BE ON THE SHOW!***   Aaron Firebaugh, a top 10 finalist of Fit Body Boot Camp’s New Year, New You franchise wide challenge, refound his confidence with Fit Body! He was able to lose over 60 pounds in only 8 short weeks, and found a new confidence to help his community work on their fitness!  Watch now to hear his journey!   Make sure to review us on iTunes: https://itunes.apple.com/us/podcast/beyond-the-scale-podcast/id1353577754?mt=2   Here’s what you’ll discover: 3:30 - What Aaron got from the New Year New You challenge 5:40 - Why Aaron decided to stay with FBBC even after the 8-week challenge 7:45 - How the Fit Body community encouraged Aaron to be better 10:00 - The greatest challenge Aaron was able to overcome 12:00 - The changes that Aaron has experience since the challenge Quotes: “My goal was to come in first or second because I wanted my money back” “My mindset helped me through the challenge” “I’m a competitive person, I don't like to lose”   “Unleash the beast” “My mindset makes me different”

You wouldn’t confuse gum with the wrapper that it comes in, but many people do pretty much the exact same thing when it comes to their investments. Wayne and Lisa talk about the metaphor of gums and wrappers for investing, and why you need to understand how they work together to create something that serves your financial goals. Don’t confuse the gum with the wrapper. Investing is a lot like the gum in its wrapper. People often ask Wayne if they should invest in an IRA or a Roth IRA and he always tells them no because those aren’t investments. Investments are the things with three R’s: Risk, Reward, and Ready Access. To continue the metaphor, you have to pick the right flavor of gum for your personal situation. It will take a different flavor of gum to put your kid through college in two years than it will to make sure you can retire in twenty years. The wrapper is the account the investment gum is packaged in. The wrapper conveys a particular type of tax treatment and how the investments are taxed while they are in the account. There are also ownership concerns as well, you can’t for example have two owners on an individual retirement account. The wrapper also sets how much you can put into the investment. It also determines what happens to the account when you die. Much like the opera, everyone dies in the end so you need to plan for that. A good example is Apple stock. Apple stock is a security that has the attributes of the three R’s: Risk, Reward, and Ready Access. You can take that investment and put it into a variety of different wrappers, or investment accounts. Just like the investment, the wrapper you choose should match your needs and what you’re trying to achieve. Make a list of the accounts/wrappers you currently have, the wrapper type will probably be in the title itself. You can find that info on your paper statement or your online statement. For the future, the best step is to take what makes each wrapper unique and then start exploring. When you’re putting together your financial plan with your financial advisor, figure out what types of wrappers you should add. Some investments are best suited for certain types of wrappers so that’s a conversation you should be having with your advisor as well.    To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Diversifying your portfolio may sound like some sort of math wizardry, but it doesn’t have to be that complicated. Wayne and Lisa demystify the concept of diversification and show you how a diversified portfolio can not only generate higher returns over the long term, it can simultaneously reduce your risk. Making it big with investments has an irresistible allure for many people but due to the way the big investment banks take companies public it’s very hard for individual investors to win big. Even if you could get in on the deal, how would you know which company to pick. According to Fast Company, 75% of venture backed tech companies fail. Another study by Statistic Brain shows that 50% of companies fail within 5 years and 70% fail within 10 years. Our behavior makes it hard to hold on to an investment long enough to weather the uncertain rough periods. In many ways we are our own worst enemy. It took Amazon 6 years to become profitable after going public, and Twitter 5 years. Would you have been patient enough to make it through those lean years at the beginning? Hope is not an investment strategy and every investment has to compromise between the three R’s: risk, reward, and ready access. This leads to the natural conclusion of diversification. Diversification is a risk management strategy that works by mixing different types of investments in the same portfolio. With diversification it’s historically possible to get higher long term returns and lower volatility but it comes with a couple disadvantages. To get diversified it takes some time and comes with costs and the second thing is the “free lunch” is in no way guaranteed. US large company stocks were up 8.5% per year from 2008 to 2017, which is a pretty good return. But if you had a diversified portfolio of large US companies and small US companies, you would have only been up about 7.1% so you would have given up a little over 1%. Over the long term, diversification does tend to lower volatility and it can increase returns. One of the biggest advantages of diversifying is that reduces our own dumb tendencies to get out of the market without a plan. It keeps you from getting in your own way. Investments move differently in different economic climates relative to each other. We can use historical correlation to build our portfolio. We should all desire to avoid investment risk that we don’t get paid to take and diversification reduces our level of unpaid risk. Fear and greed will destroy a diversified portfolio.    To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Thinking about risk is important when you’re figuring out what your investment portfolio is going to look like, but that’s where most people stop. If you want to reach your financial goals (and you should!) then you must let your timeframes dictate your strategy and not your risk tolerance. Find out why what you need and what you want will sometimes lead you in opposite directions when it comes to your finances. We need to let the timeframe dictate the compromise between the three R’s for the money we are going to set aside. It sounds simple but that’s not the way the industry works. The risk tolerance assessment that brokerage houses use is designed to figure out how the maximum amount of volatility you can tolerate but it’s misguided. It’s based on what you want instead of what you need. What you need are goals that have certain timeframes, and then use those time frames need to rule how you put together your investment portfolio. Wayne and Lisa have a 14-year old child who loves to eat sugary foods. If given the choice that’s probably all they would eat. If he were completing a questionnaire from his nutritionist, he would profess that he has a very high sugar tolerance because that’s what he wants, but that isn’t what’s best for him. A risk tolerance assessment is basically the same thing. Everyone wants zero risk to their investments but because of the required tradeoffs between risk, reward, and readiness that’s impossible. If you invested so that you were exposed to no risk at all you would never be able to achieve your financial goals. Just because you may have a short term goal, that doesn’t mean that you should put your money into a high-risk high reward investment. Risk tolerance can help you feel comfortable but it doesn’t necessarily help you achieve your investment goals. Your comfort level and preferences should not determine your investment strategy. Make the choice to push aside your instincts to do what you want and instead make the choice to do what you need. Risk capacity is a better way to think about the idea of risk tolerance. Your timeframe rules, regardless of what your risk tolerance is. If you’re saving for retirement and you choose your portfolio based on your risk tolerance instead of your timeframe, it can mean the difference of many years until you reach your goals. You have to be aware of the consequences of your financial choices and weigh the outcomes against your values and goals. Let the timeframe of your goals dictate your investment strategy.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.  

If someone is offering an investment that will get you a great return, comes with zero risk, and gives you the ability to access your money anytime, they’re making an impossible promise. Every investment comes with compromise. Find out how the three R’s can help you decide which investments fit into your financial plan and which ones you should avoid. Every investment has the explicit promise that you will get more cash in the future in exchange for your cash flow in the present. Every investment also requires a compromise among the three R’s: Risk, Reward, and Readiness. Risk is the potential for loss. Reward is the potential for gain. Readiness is also known as ready access or liquidity; it’s how readily you can access the amount of money you have invested. Sometimes you can pick one, sometimes two, but there is no way an investment can have all three. If someone is promising you all three, the quality of their promise is definitely questionable. Consider stocks and bonds. Stocks have a high potential return and can be sold at any time the market is open, but with those things come a high level of risk. With bonds, your risk is almost zero but with that comes the fact that the reward is low and you have almost no access to your money until the bond matures. For each investment you make, you have to figure out what you’re willing to compromise on. Retirement is another good example. When investing for retirement, you don’t really care about ready access because you won’t need the money until you retire, but you really want to get a high return so that you have enough money to live on when you do retire. You have to look at risk in more than just percentage terms; you also have to look at it over time periods. Risk changes over time. The stock market generally gets less risky over time, but that can be difficult to remember in the moment. Even safe investments come with risk - not so much the loss of your principle but the loss of purchasing power. If your budget today is $5000 a month, at 3% inflation over the next ten years, it will take $10,000 to buy the same amount. For investments made over long periods of time, you have to factor in inflation. Risk, Reward, and Ready Access are part of the five keys to a winning portfolio. Every investment comes with a compromise and every financial planning situation has a different compromise that depends on what your goal is.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Most people think of investing the wrong way. They think it means ROI, diversification, guarantees, or visionary companies that are set to disrupt the market. The real question you have to ask yourself is “what are you really buying when you buy an investment?” and the answer isn’t on that list. There are a few key things that indicate that you are on the right track financially. You are working your cash reserve or have it already. You have a written financial plan or have an appointment with your financial advisor set up to put one together. You also have the big risks in your life insured. With those in place, now it’s time to look into investing. The question you really have to ask yourself before you jump into anything is “what are you really buying when you buy an investment?” People think they are buying into a visionary product, or diversification, or safety and guaranteed interest payments. The trouble is that’s not quite correct. “It’s not the return on my investment that I’m concerned about, it’s the return of my investment.” -Will Rogers The key for every single investment is an exchange of cash flow. Every investment is a promise of cash flow in the future. When you buy a stock, you are expecting the company to share the profits in the form of dividends and to eventually be able to sell the stock for more than you paid for it. With a bond, you’re getting the interest over time and eventually they will repay the bond. You’re buying a promise. Every investment comes with the explicit promise of more cash in the future. With a Certificate of Deposit, you’re giving a bank your money and they’re promising to pay you back the money after a certain amount of time plus interest. It’s a pretty high-quality promise. Compare that to a stock. You buy the stock and the company is making a promise that you will get a share of the profits in the form of dividends. But what happens if they lose money, or worse, go out of business? The first thing to consider is the amount of cash flow possible in the exchange. With stocks, that would be the potential dividends and increased sale price. With bonds, you would be looking at the interest rate and principle involved. The second consideration is the risk to your cash flow involved. A bear market is when the stock market as a whole goes down by at least 20% and they happen about every 5 or 6 years. The third consideration is timing. With bonds, there is a set maturity, but with stocks, there is no definite timeline involved. Your plan defines the purpose of your investments. Then you have to gauge the quality of the promise of any investment you are considering buying.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

The problem is two-fold. In a previous show, we noted you need a written financial plan but probably don’t have one because 1) only 1 in 4 do with the absence having drastic effect on, 2) lack of emergency reserves, 3) but plenty of student loan debt, 4) increasing time to save for life’s big goals like buying a house, and 5) then once work years winding to a conclusion too little in retirement Solution to the absence of a plan is often a financial advisor. But most people don’t consult an advisor or if they do it’s too late to change the trajectory of their lives. Even though people with plans have better financial outcomes with more confidence regardless of how much money they make. We’ve debated the reasons why people lack plans or advisors so we won’t repeat that today. We also debunked the myth that a financial plan is only about your investments. So, we’ll assume you want financial success at every income level. We’ll assume you want financial confidence. We’ll assume you want to live a rich life regardless of how much money you currently have. So, we’ll assume you want a plan or an advisor that is on track or ahead in saving for retirement, to help you create your financial plan. Ok – you agree you need an advisor to get and keep this whole financial plan thing off the ground. But how do you pick an advisor and get them to do exactly what you need? Important to remember – there is NO legal definition for “financial advisor” or “financial planner” – this makes the process more difficult. Think about where you are? We used financial GPS – Net Worth & Cash Flow Start thinking about goals – SMART – your contribution will be Specific, Relevant, & Time. Your advisor will help you determine the Measurable and Attainable. They’ll also make them SMARTer with a plan to Evaluate progress and build Rewards. Research Advisors No salesmen please – Pay for advice, not products. Different ways to pay (project fees, hourly fees, asset management fees, a monthly retainer, hybrid) Fiduciary – Suitable versus Fiduciary or Good Enough versus Best Interest. Your interests first! Disclosure. Transparency. MOST advisors are NOT fiduciaries. Experience & education Designations – ignore most but the CFP is mainline with education, ethics, and disciplinary structure. Others are CPA/PFS and the CFA. Regulatory – lookup the firm and any disciplinary history Interview Fit & feel Fees & scope in writing They’re interviewing you too!   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

The Problem is we are in the DIY generation – my own home repairs, car repairs, computer coding, my self diagnosis of medical conditions. To our topic – my own investing, which somehow morphs into my own financial planning. According to the CFP Board, the use of financial advisors has increased significantly – from 28% in 2010 to 40% in 2015. Still, according to Society of Actuaries, only 48% of pre-retirees and 55% of retirees consult with a financial advisor or planner to help with financial planning or retirement planning.   WHY? We’ve heard all of the reasons: I “should” be able to do it I should be able to do it, so I shouldn’t pay for it I certainly don’t want to pay too much I don’t know how to pick or work with a financial planner   However, people who have advisors are more likely to achieve their goals: 70% of people who work with a financial advisor or financial planner (and presumably have a financial plan) are on track or ahead in saving for retirement. That compares with 33% of those who do not go with an advisor.   5 things an advisor does for you: Can you keep your emotions out of it? This is your money, your future, your legacy. People make the biggest financial mistakes when they panic and sell low in a bad market or get greedy and buy high in a good market. And who’s going to stop you if you decide to take $10,000 out of your 401(k) to go to Europe on a whim? (And if it’s not about who’s going to stop you, who’s at least going to make a face and ask you if that’s really such a good idea and discuss the pros and cons of your decision?) If you’re on your own, you won’t have someone to talk you through those impulsive decisions.   Do you have the time? This isn’t just about talking to your brother-in-law and making some stock picks. To make good choices, you’ll need to do lots of research and read those prospectuses. Every. Single. Time. Is your spouse going to nag you when you get home from work, or give you a quick kiss on the cheek and disappear into the world of finance on your laptop? And what will your spouse do if something happens to you? Here’s a suggestion: If you really enjoy doing your own financial legwork, why not consider keeping control of 10% of your investments and letting an advisor take care of the rest? You’ll still get the mental stimulation, you can brag about your successes, but any mistakes you make won’t have as large of an impact on your overall retirement. (Another plus: Most professionals probably won’t mind discussing your do-it-yourself piece and bouncing around ideas if they’re managing the rest of your portfolio.)   You might not be as smart as you think you are. If you’ve been investing successfully on your own for the past few years, that’s great, but just about anybody can do well in a bull market. The tough part comes when there’s a correction. (Note: That’s when, not if.) How are you protecting yourself for the downside? Do you even know about the products that are out there to help safeguard your income stream? A good financial advisor attends classes and stays up to date on financial strategies, tax law changes and more. He also has years of experience. He’s seen hundreds of people come through his office door, and he’s probably helped several clients with problems similar to yours.   Every quarterback needs a coach. Tom Brady led the Patriots to a Super Bowl victory  but he had a whole lot of people on the sidelines helping him make those plays. When it comes to your financial future, don’t you want to have a team of coaches behind you? Your financial advisor can work with others — tax experts, estate attorneys, insurance professionals — to build a plan that helps you meet your goals. You’ll still be the MVP — but they’ll be there to support you on offense and defense to get you across the goal line.   It’s only going to get more complicated. Saving money was pretty easy when you were a kid. You just dropped your quarters into a piggy bank. Then came student loans and credit, and even a mortgage as well as the costs that came with having kids- and yet, all that doesn’t compare to planning for retirement. You might have been fantastic at the accumulation phase of your financial life, but the distribution and preservation phase can be a scary place to negotiate on your own. Sometimes, it’s just knowing what order to tap into your income streams that makes all the difference. It’s about understanding your risk tolerance as you get older vs. when you were young and fearless with your money. Even if you managed to build a pretty nice egg nest all by yourself, you may need assistance when it comes to making it last for 20 or 30 years in retirement. To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Most Americans don’t have a financial plan. One study shows only 1 in 4. A CFP Board study showed only 35% of people have a plan to save for emergencies. Only two-thirds have a plan to meet any of six savings goal, such as for emergencies, retirement, a child’s education or a down payment on a house. People spend more time watching reality TV than they do planning finances.   WHY? We’ve heard all of the reasons. Don’t want to pay for financial advice because I am not positive I need it Don’t want to get ripped off Can get investments at low cost – isn’t that what financial advice is really about – so why hire an advisor who just gonna try to sell me expensive investments or insurance I’m a DIYer – why not financial planning? Should be able to do it myself Financial plans are only for people with so much money, they don't know what to do with it, right? It never occurred to me that I might need a plan – 20% gave that answer in a Charles Schwab survey Another 20% in the same survey said they wouldn’t know how to get a plan   WHY the big deal? Less than 40% could access $1,000 in an emergency even though half of us have just such an emergency every year. The average 2018 college graduate has student loan debt of about $30k and a monthly payment of almost $400. This does not count the more than $10k of debt their parents borrowed. Zillow says it now take almost 7.2 years to save the 20% downpayment for an average house IF you’re saving 10% of your pay. NY Federal Reserve Bank says a RECORD 7 million people are behind on their car payments by at least 90 days. According to the Economic Policy Institute, the average retirement savings for the families of people in their 50s is $124,831 in 2018.   So, across all ages, we have a financial crisis. Recent college grads and folks nearing retirement and everyone in the middle.   It cannot be coincidence that we GENERALLY do not have a written financial plan AND that we are financially unprepared for daily life much less big long-term goals like retirement.   It would be bad enough if it were just about the money but it’s not … 70% of people who work with a financial advisor or financial planner (and presumably have a financial plan) are on track or ahead in saving for retirement. That compares with 33% of those who do not with an advisor. Those with a plan making between $50,000 and $99,999 are more likely to live comfortably than even those making $100,000+ without a plan: 50% to 46%. There is a misconception about what a plan is – it’s NOT just investing. Investing is only ONE part of many. A plan has at least 7 things: Cash management College planning Estate planning Debt management Risk management Retirement planning Tax management Investment planning A Vanguard study about the value of a proper advisor relationship could add “about 3%” to your returns. That’s NET of fees and that’s important because Vanguard provides option for low cost investing. Value is in 3 areas: Portfolio Construction (what investments and in what proportions) Wealth Management (spending strategy and maintaining portfolio targets for risk) Behavioral Coaching (this is a big one – guarding against the biases and attitudes that cause all of us to make bad money choices)   If value of advisor is 3%, wouldn’t you be willing to pay anything less than 3%?   One of my favorite examples is about Peter Lynch – legendary manager of Fidelity’s Magellan fund from 1977-1990. During his tenure Lynch trounced the market overall and beat it in most years, racking up a 29 percent annualized return. But Lynch himself pointed out a fly in the ointment. He calculated that the average investor in his fund made only around 7 percent during the same period. When he would have a setback, for example, the money would flow out of the fund through redemptions. Then when he got back on track it would flow back in, having missed the recovery.   Another study showing similar results is published each year by the research firm Dalbar. The 2017 Dalbar study reported results through 2016 (still waiting for 2018 but wouldn’t expect any improvement in our behavior)   The key findings of the study show that: In 2016, the average equity mutual fund investor underperformed the S&P 500 by a margin of -4.70%. While the broader market made gains of 11.96%, the average equity investor earned only 7.26%. In 2016, the average fixed income mutual fund investor underperformed the Bloomberg Barclays Aggregate Bond Index by a margin of -1.42%. The broader bond market realized a return of 2.65% while the average fixed income fund investor earned 1.23%. Equity fund retention rates decreased materially in 2016 from 4.10 years to 3.80 years. (This is directly related to psychology and behavior.) In 2016, the 20-year annualized S&P return was 7.68% while the 20-year annualized return for the Average Equity Fund Investor was only 4.79%, a gap of -2.89% annualized   Now these are just the things an advisor and The Plan can do for you in the Investment Area BUT Investments are just one area.   The whole idea is the value of the advisor AND the PLAN you develop together is to help align YOUR behavior - decision-making behavior AND investment behavior - with YOUR goals, YOUR sense of purpose, and YOUR values. To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Do you want to set dumb goals or Smart goals? If you want to reach your financial goals of retirement, paying off student loans, or buying a house, you must set Smart goals to get there. So the choice is clear. Find out why Smart goals are crucial and why Americans need a written financial plan now more than ever. GPS recap, your financial GPS requires your current financial location which is a combination of your net worth and your cash flow. Your definition of wealth is up to you. Money can’t buy happiness; it’s a measure of your progress but not your worth. You should be setting Smart (Specific, Measureable, Attainable, Relevant, Time) financial goals and you should never give up on your financial goals. When you create a financial plan, you are making a conscious choice to reduce your current lifestyle so that you can enjoy an even greater lifestyle later on. Where in life are you willing to make some tradeoffs between your current self and your future self? We all have things we know nothing about. For many people that’s finance. But that’s okay. You have to start somewhere when creating your financial plan. Everybody knows we need financial goals and to save for retirement, but knowing and doing are very different things. The average retirement portfolio for people over 65 or older is only $200,000 which is not much money when you think about it having to last for the next 20 or 30 years. The stats are even worse for people 55 to 64. Only 17% of us have a written financial plan that is updated regularly. If your plan isn’t written down, it doesn’t exist. How you set your financial goals will either compel you or not to take action. If you fail to plan you plan to fail. Most of us don’t figure out where we want to go, which will make it very hard to get there. Not having money is not a reason to not have a financial plan. Having a financial plan is not just about having enough money to reach your goals, it’s also about gaining the confidence to achieve them. Creating the plan also helps you learn if your goals are even achievable. The biggest landmine for Wayne’s financial plan is himself. People get caught in the daily demands of life and will struggle with coming up with goals in the first place. Smart goals can be made smarter by adding and evaluating your progress along the way and rewarding yourself. Set big goals and support them with micro actions, behavior change, eliminating options, process planning, and minimizing the chances to slip up. Don’t worry too much about elements you can’t control. Just focus on the things that are in your control like keeping the specific actions going. According to the Federal Reserve, there are $1.56 trillion in student loans spread over 45 million Americans. The average student loan payment is $393. The Smart goal of eliminating student debt is to reach a $0 balance, which makes it specific and measurable, choosing an amount your cash flow can support without having a shortfall somewhere else, determining it’s relevant, and figuring out your timeline. The point of a financial plan is to determine what is possible, what is controllable, and what goals should be prioritized. When evaluating your progress paying off your student loan, you’re not going to see much difference month to month. It’s more important to evaluate your behavior frequently and your progress periodically. Don’t forget to reward yourself. When you stick to the plan, feel free to give yourself a treat every once in a while. Small rewards are about behavior, not progress. According to Zillow, on average if you save 10% of each of your paychecks, it would take you 7.2 years to accumulate the 20% down payment you need. Whether or not buying a house is an attainable goal depends on the neighbourhood you’re looking at and your other financial goals. No financial goal exists in isolation. Owning a home is not the best goal for everyone. It may make more sense for you to focus on something else. You may have to adjust your Smart goal as you go along. Life events have a tendency to sneak up on us. We have to create Smart goals in every area of our lives. Visualize where you want to be. Men and women also structure and pursue their goals differently. This is why it can be critical to have all parties involved in creating the financial plan. Being held accountable by someone you trust can be crucial to not falling off the path you’ve set. Set your own Smart goals. Don’t be constrained by what society or your parents expect. To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Make progress towards your goals. Wayne and Lisa Firebaugh help you as they break down the other parts of the financial GPS. Learn about the danger of lifestyle creep, why cash flow is the second most important number in your financial plan, and how to think about building risks into your plan so you can avoid uncharted territory. Your financial GPS has to know your starting point and your destination to know what financial strategies should make up your route. Your position is a snapshot of your current financial condition. Accountants would refer to it as your balance sheet, everyone else would simply refer to it as your net worth. Your net worth is made up of your money and your assets that are both working for you and is one of the two most important numbers in your financial plan. We can’t afford to be stuck, which is why Gain is the first most important number. Gain is cash flow and momentum. Cash in less cash out equals the amount of Gain in the financial GPS. Your expenses include discretionary spending and taxes. Your income is less within your immediate control than your expenses. As our incomes increase, our lifestyles tend to increase as well, also known as Lifestyle Creep. Inflation is another major force eating away at the value of your money. It takes $1529 to buy the same stuff that $1000 would have purchased twenty years ago. Cash flow is what you add to your financial position each year. If Position is your current financial location, then Gain/cash flow is your progress towards your financial destination. Most advisors get paid based on your assets, not on your cash flow. Your financial GPS has to be even more reliable than your car’s GPS, which is why Security is the next component. The unplanned should be in the plan. You have to plan for unwelcome events and risks to your assets, reputation, and person. Ask yourself two things when it comes to risk: “What risks do I have in this stage of my life?” and “How would it affect my long term gain towards my goals were this risk to actually occur?” Identify the things that may take you into unverified financial territory in your financial life and get in touch with a fiduciary advisor to help you determine your plan. To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

If you want to get somewhere, you need to know where you are. Listen to Wayne and Lisa as they explain the first aspect of the financial GPS system and learn what numbers matter the most when it comes to reaching your financial goals. Money enables motion. Financial planning is all about where you are going. If you don’t know where you are going, any road will lead you there. Back in the day, we used paper maps to figure out where we wanted to go. Similar to a map, you set a financial goal and then figure out the path to get there. To use a GPS you need to have two pieces of information. You need the destination and your starting point. It’s the same with your financial goals. Wayne and Lisa go over an example situation where they need to plan for a 16 year junior to pay for college in the next couple of years. The situation changes quite a bit if your starting point is a 5 year old instead of a 16 year old. You use a different kind of GPS to understand your financial location, in this example, you use the Gain Position Security system. We are often starting in the middle of our financial journey. Your Position is essentially a tally of your assets compared to your liabilities. Your net worth is any amount over and above your liabilities. An asset is defined as an economic resource that can be owned or controlled to produce value. The key part of the definition is the ability to convert the asset to cash. Examples include your 401(k), retirement account, or property. Liabilities are defined as the future sacrifices of economic benefits that we are obliged to make due to past transactions or events. The key point of a liability is the future sacrifice. Most people take out a mortgage to buy their house, which ends up being a liability. When you sell the house, the lender gets paid first before you. All your assets and liabilities have to be added up and compared to fully understand your financial position. When the value of your assets minus your liabilities add up to over a million dollars, you are officially a millionaire.   To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

There are four final beliefs about money that shape the way you invest and achieve your goals. Find out why the perfect investment doesn’t exist, why you need to plan for the unexpected, why you’re worth more than just the dollars in your bank account and portfolio, and what most financial advisors don’t want you to know about the word ‘fiduciary’. What we believe affects how we act in every area of life. It’s important to make decisions that aren’t driven by panic or euphoria, because they are usually wrong. Your beliefs about money provide a framework for the way you react to emergencies and events in the market. Your relationship with money and whether you feel like you deserve money also affects how you interact with it. The first four money beliefs were: Money is your method, not your message; No else will take care of you; Friend the FOMO; and Planning manages the transitions, timetables, and tradeoffs. Belief #5 - Perfect investments just don’t exist. With diet macros you are trying to balance health and fitness given your starting point, the three money macros work the same way. The three R’s of money are risk, reward, and ready access. To get a reward, you usually have to take some sort of risk, but risk and reward aren’t always the same and don’t always have the same readiness of access. The stock market comes with a high potential return and a high potential of risk, but can also be liquidated immediately. A bank account has virtually no risk associated with it and immediate ready access, but that means there is also no return. There are always trade offs with the three R’s. You match up your goals and the timeframes of your goals to the three R’s so you can achieve your goals. No perfect investment exists because you always have to trade off one of the three R’s. Belief #6 - The unplanned should be in the plan. There are a number of life events that can have a major impact on your life, each with their own odds of occurrence. You can either retain the risk if it’s small enough, reduce the risk if it’s catastrophic, or you can relegate the risk with insurance. Estimate the size of the risk and the odds of it happening and decide if it needs to be relegated or reduced. Not everything needs to be insured, but insurance does have a place in your risk management strategy. Belief #7 - Money is only a measurement. Money measures progress, but not your worth or value. “Build on what you really want, not on what you think you should aspire to.” -Mitch Anthony Use money to measure your progress against your plan and what you desire, not what you think you should desire. Belief #8 - Advisor not optional. A lawyer will hire another lawyer to defend their case. A financial advisor gives you perspective and clarity. There are lots of things you don’t know and that’s ok, that’s why we work with people that are experts in those areas. Advisors help you identify and manage the issues you may overlook. They also help you prioritize and quantify the issues you do know exist. A fiduciary financial advisor will put your financial goals above their own. The dirty secret in the financial world is that the vast majority of financial advisors are not fiduciary advisors. The only answer to the question “are you a fiduciary advisor?” should be “yes!”. An investment can be suitable but it may not be the best option. You only get to live your life once, you have to have beliefs and an advisor that helps you with those beliefs. To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

Learn why FOMO may not be such a bad thing, why you need a plan for your future, how money can buy happiness, and more. In this episode of Fireproof Your Money, Wayne and Lisa Firebaugh cover the first four core money beliefs that you need to have in order to avoid making bad decisions with your investments. What you believe dictates how you act, and that matters in the world of politics and religion as well as  your money. When it comes to money, what you believe matters. Wayne discovered early on that to help people achieve how to have the best life possible, he needed to have some principles and beliefs that allowed him to be consistent and predictable. Being predictable doesn’t have to be boring. The decisions made when you don’t have an underlying belief system are more prone to panic and error. It’s important to believe something a little deeper than “more money is better than less money.” That is essentially the study of behavioral finances. No matter how much you earn, your desires can exceed your means and you can make bad, emotionally driven decisions. Belief #1 - Money is your method, not your message. By any measure, we are living in the wealthiest age in human history and yet many people are deeply unhappy. You can have plenty of money and still be unhappy and stressed. It is possible to use money to buy experiences that can bring happiness. Money enables choice, but it is not the choice. Belief #2 - No one else will take care of you. Let’s look at retirement. Social security was meant to cover only 40% of your income, that means you have to come up with the remaining 60% yourself. Only 1 in 5 companies offer a private pension these days. We used to live in households where families took care of each other, now we expect the elderly to end up in nursing homes. The trend of going from pensions to 401(k)s has transferred the risk from the companies to the worker, who may or may not be ready to manage the investment. You have to rely on yourself and your own efforts. Belief #3 - Friend the FOMO (Fear Of Missing Out) Nobody likes missing out. Money requires us to make choices. Do you spend or save? Insurance or take the risk? You have to make a choice, even avoiding the decision is a choice itself. “Build on what you really want, not on what you think you should aspire.” -Mitch Anthony You can’t avoid missing out. We are comparing our reality to what we think everyone else’s existence is like. One of the traits of highly skilled and successful business people is that they are more likely to say no to demands on their time and money. Saying no is a skill that breeds success. The key to Friending the FOMO is by makingeducated decisions about the trade. Another way of thinking about it could be Join the Joy of Missing Out. Joy can be found in missing out for the right reasons. Belief #4 - Planning manages the transitions, timetables, and tradeoffs. Life is uncertain and we are always changing the season of our life. Every change and transition comes with a timetable and certain tradeoffs you need to make. Financial planning puts you in a position that enables you to deal with transitions, timetables, and tradeoffs in such a way that it keeps the most options available. There are four more beliefs that will be covered in the next episode. To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

In the Fireproof Your Money podcast, Wayne and Lisa Firebaugh are bringing you strategies and tactics that you can use to fireproof your money in the truest sense. Learn how to protect your financial assets and make the most of the resources that you have now, as well the resources you’ll have in the future, so you can live your best life. Wayne and Lisa are just like your average married couple. They are the hosts of the radio show Firebaugh on Finance and they focus on connecting more people with solid information about money. They’re both young enough to know what it’s like to have kids and the challenges of buying their first house but also old enough to have changed careers and to understand how to help their parents in retirement. In short, they have been where you are, have been, or will be. Wayne is a certified public accountant, a certified financial planner, and has had a highly rated radio show on finance for the last 4 years. Wayne likes to use the terms fiduciary financial advisor to describe what he does. Fiduciary means to put your client’s interests ahead of your own. When someone gets financial advice, they need to know that it isn’t being tainted by how you are getting paid. Seeing the lights go on behind someone’s eyes is why they do the show. Lisa has worked for 20 years as a speech pathologist, and she’s going to ask the questions that the listener is asking himself or herself. She’s focused on tuning the dial to everybody’s favorite radio station, WIIFM or What’s In It For Me? Money isn’t everything but it sure gives us more options. The goal of the show is to discuss the different perspectives and considerations of all of life’s financial decisions, big and small. The definition of fireproof is “able to withstand fire or great heat,” and don’t we feel the heat when it comes to our finances? Nobody has money to burn. Wayne and Lisa want to give you strategies and tactics that help you accumulate money and safeguard what you already have. The big banks made over $11 billion in 2017 in bank fees, and those were just non-sufficient fund charges so it’s money made off of people with the least ability to pay. Life always seems to provide some sort of situation that requires you to burn your money. Your plan to support a rich life has to be based on solid evidence and not just gut feelings. Fireproof Your Money is for you if you want help bringing order to your financial life or need help following through on your financial commitments. It’s also for you to help avoid making emotional driven decisions in important money matters. Nobody wants to rely on Social Security, it was originally only supposed to replace 40% of your work income. Ultimately this show is for you if you’re interested in achieving the best life possible with the resources you have or the resources you will have. To explore working with Wayne Firebaugh to fireproof your money, please call 855-WAYNE KNOWS or check out at fireproofyourmoney.com.

It’s not about how great you are, it’s about how great your people are. Doug Firebaugh shows us that the real power in MLM is behind the spotlight and not in front of it. Also, why it is important for you to communicate at the prospects level of understanding. Here’s your chance to finally own my most treasured collection of network marketing training... Reports, Checklists, and Implementation guides. Literally everything I use to grow and operate my network marketing business. Who is Doug Firebaugh? Doug Firebaugh has been in MLM for over 30 years. He co-built an organization of over 80,000 people and has produced over 1 billion in sales volume. Doug has been training and consulting for the past 16 years and has trained over 1 million people in 16 countries. Favorite Quote “As a man thinketh in his heart, so is he" (Bible) “We become what we think about” (Earl Nightingale) Must Read Book The Leadership Challenge by James Kouzes and Barry Z. Posner Recommended Online App Zoom Meeting Skype Fire-Zone Wealth Fuel (coming soon) Recommended Prospecting Tool Contact Info Facebook Instagram What Did You Learn? Thanks for joining me on the show. So what did you learn? If you enjoyed this episode please share it on social media and send it to someone that needs extra motivation in their MLM business. Do you have any thoughts or comments? Please take 60 seconds to leave an HONEST review for the MLM Nation Podcast on iTunes. Ratings and reviews are extremely important for me to make this show better. Finally, don’t forget to subscribe to the show on iTunes so that you get updates and new episodes downloaded to your phone automatically. Subscribe to our show  iTunes | Stitcher | Spotify | TuneIn | RSS

It’s not about how great you are, it’s about how great your people are. Doug Firebaugh shows us that the real power in MLM is behind the spotlight and not in front of it. Also, why it is important for you to communicate at the prospects level of understanding. Here’s your chance to finally own my most treasured collection of network marketing training... Reports, Checklists, and Implementation guides. Literally everything I use to grow and operate my network marketing business. Who is Doug Firebaugh? Doug Firebaugh has been in MLM for over 30 years. He co-built an organization of over 80,000 people and has produced over 1 billion in sales volume. Doug has been training and consulting for the past 16 years and has trained over 1 million people in 16 countries. Favorite Quote “As a man thinketh in his heart, so is he" (Bible) “We become what we think about” (Earl Nightingale) Must Read Book The Leadership Challenge by James Kouzes and Barry Z. Posner Recommended Online App Zoom Meeting Skype Fire-Zone Wealth Fuel (coming soon) Recommended Prospecting Tool Contact Info Facebook Instagram What Did You Learn? Thanks for joining me on the show. So what did you learn? If you enjoyed this episode please share it on social media and send it to someone that needs extra motivation in their MLM business. Do you have any thoughts or comments? Please take 60 seconds to leave an HONEST review for the MLM Nation Podcast on iTunes. Ratings and reviews are extremely important for me to make this show better. Finally, don’t forget to subscribe to the show on iTunes so that you get updates and new episodes downloaded to your phone automatically. Subscribe to our show  iTunes | Stitcher | Spotify | TuneIn | RSS

In this Christmas special, I'm in Firebaugh Ca.  Ralphie and Roy Escalante have been handing out toys to the kids of Firebaugh for around 20 years.  I would like to bring you into the Escalante Christmas. Merry Christmas.