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Affliction in the life of the Christian can bring joy when we understand that it's part of what it means to belong to Jesus and that he is using it to make us more like him.Don't be Surprised (vv. 12, 19)Suffering as a Christian (vv. 14-16)God's Purpose and Our Response to Trials (vv. 12-13, 16-19)Discussion StartersMonday— To whom was 1 Peter written? What was the situation like? How would you summarize its message so far? How has it challenged or helped you?Tuesday—Why are so many Christians surprised by fiery trials? Why shouldn't you be surprised? How does good theology prepare you for trials and bad theology ill-prepare you?Wednesday—What does it mean to “suffer as a Christian”? (vv. 14-16) What all does it entail? Why?Thursday—What are God's purposes in ordaining trials in our lives? Why does he ordain more trials for his children than for the world? Is this proof of God's love or his indifference?Friday—How are you called to respond to “fiery trials?” Are you to rejoice in the trials themselves or something else? What and why?

Baptism serves as a picture of the kingdom of Christ—a kingdom of sacrifice and service, esteeming the weak above the strong, and putting others before yourself.The Arrival of the Kingdom (vv. 35-37, 41; cf. Mark 8:22-30; 9:14-29)The Correction (vv. 42-45; cf. Mark 8:14-21, 31-9:1; 9:30-32; 10:17-34)The Sign(s) of Inclusion (vv. 38-40)Discussion StartersMonday—What is an initiation rite? What are some examples of initiation rites in our culture? What does the Bible say baptism brings us into (Galatians 3:27; 1 Cor 12:13; Mark 1:15; Romans 6:3)?Tuesday—What were the Israelites expecting from the Messiah? In what ways did they expect him to be like David? When did James and John expect Jesus' glory to be revealed?Wednesday—What does Jesus say greatness looks like in his kingdom? Who is the chief example of this? How are you called to emulate the model set?Thursday—Why did James and John fail to grasp the warnings Jesus gave about what awaited them in Jerusalem (Mark 8:31-9:1; 9:30-32; 10:32-34)? In what ways do we show the same short of blindness?Friday—How is baptism a picture of greatness? How does it proclaim Jesus' death? How does it set before those who receive what life looks like in Christ's kingdom?

Peace in life (and in marriage!) is found not in serving yourself, but surrendering to God.Strong Women (vv. 1-6)Strong Men (v. 7)Seeing Good Days (vv. 8-14)Discussion StartersMonday—Do you desire to love life and see good days? What does that mean? Why is it such a desire for everyone? Where do you tend to look for contentment?Tuesday—What is Psalm 34 about? Was pretending to be weak and insane flattering or humiliating for David? So why did he write about it? What did he want us to learn from his experience?Wednesday—Why does God tell wives to submit to their husbands? Is this easy or hard? Does it take weakness or strength? What makes this hard to do?Thursday—What does God expect from husbands as leaders? How does God respond to harsh or domineering husbands? Does it take weakness or strength to lead well? What makes this hard to do?Friday—How is God's understanding of strength different from the world's? Why does it take strength to submit? Why is this the only road to peace and contentment?

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The Old Covenant was intended to humble the children of God and drive them to the grace of the New Covenant, where they find peace with God.The Voice of Sinai (vv. 17-20; cf. Hebrews 2:1-4; 10:1-4)The Voice of Abel's Blood (Genesis 3-4; cf. Hebrews 11:4)The Voice of Jesus (vv. 22-24)Discussion StartersMonday—What does it mean to long for the “tangible” in worship? Why do you think so many religions revolve around the senses?Tuesday—How did God treat Jacob and Esau differently? Why did he treat them differently? How did Israel's experience at Mount Sinai mirror Jacob's story?Wednesday—How does the “voice of God” that Israel heard at Sinai relate to what Adam and Eve heard in the Garden of Eden? Is it a comforting voice or a terrifying voice? (Deut 8:20; 13:18; 15:5; 18:16; Is 30:31; 66:6; Jer 7:28; 26:13) Why would God give his children such a terrifying experience at Mount Sinai?Thursday—How does Zion differ from Sinai? Why is important to understand that our worship is defined as taking place on Zion?Friday—How does Jesus provide a way for us to enter into Zion? Why couldn't the law provide a way?

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My husband and I recently took our oldest son on a couple of college visits to Catholic universities with the sport programs that he hopes to participate in. These visits went the way we'd expected them to, leaving with official offers from head coaches and significant academic scholarships to each. But the conversations we had with our senior along the way were what changed his ultimate trajectory and will likely lead to a better, richer college experience for him.  Grab your earbuds to join me as I share my experience as a first-time college mom, reflecting on our parenting journey that's led to where we are right now (for better and for worse). I'll share some things to keep in mind as you're preparing your kiddo for college and, most importantly, how to make the most of the time you've got this precious child still in your home. And don't forget to check out the details for my first ever public WORKSHOP this Friday: How to Stop Yelling and Start Connecting!  If you loved the free masterclass version I gave last year, this will take what you learned then to a whole new level. Click here to get the details and sign up!  

ALC Recommends: Have a New Kid by Friday: How to Change Your Child's Attitude, Behavior & Character in 5 Days "Husbands, love your wives, and do not be harsh with them. Children, obey your parents in everything, for this pleases the Lord. Fathers, do not provoke your children, lest they become discouraged." ‭‭- Colossians‬ ‭3‬:‭19‬-‭21‬ ‭ESV‬‬

Imagine opening a Practice with no social media, prohibited from advertising, not allowed to have a website, plus you are timing this at the start of one of the worst recessions the country has ever known.   These were the circumstances faced by Dr. Kieran Daly when he opened his squat Practice in North Dublin during 2007.     Fast forward today, 17 years  after opening the doors, his Practice employs over 50 people and has expanded to a multi disciplinary Practice, treating patients with Implants, Orthodontics, Perio, Endo, and Restorative dental treatments, taking referrals from dentists all over Ireland. His journey is nothing short of remarkable.   Kieran never stands still, he is constantly developing himself both personally, and technically, he is the only Irish Orthodontist that is certified by the European Board of Orthodontics & The Angle Society of Europe. He is a leader in his field.    In this podcast you will learn; When Kieran opened his Practice, he was not allowed to have a website or allowed to advertise, what he did to grow his Practice to a World Class Multi-Disciplinary Practice  The importance of using different types of marketing to grow your Practice and not relying on one source How he has put a Management Structure into his Practice, which allows him to spend 40 hours a week treating patients and work ON his business every Friday How delegation really is a game changer and essential to growing your Practice  How he continues growing his Practice and how he has created a super motivated team How he still manages to get to the gym every day and enjoys 5 weeks holiday  AND MUCH MORE 

4-16-24  Is a base in place for the cattle?  Cash movement  COF on Friday  How are cattle weights?  Short term tech oversold?  Weather for effecting the markets  Bull spreading in the corn  Beans missed the boat with exports again

Mahi Monday! We are so excited to announce too the Shifters the coming together of the "Peoples Band/Six60 on the Peoples Media" and an exclusive chance for a Shifter to own the last stop of the Six60 Grassroots tour! (Stay tunned for the full interview coming Friday) How strict where your parents? we share stories of our upbringing and taking notes now we have kids! and Sports wrap during the first round of Super Rugby. We've dropped some merch! Use TMS for 10% off. Here's the link: https://youknow.co.nz/collections/tms-merch-v2

In today's episode, House and Matt break down the following topics: Nets victories over god awful Pistons Joe Harris return to Brooklyn Day'Ron Sharpe's great play Nets L to Nuggets on Friday How we feel about the Nets through 30 games? Fan Q/A Suns struggles with KD Nets MVP so far Thanks as always for listening to our podcast. Join the banter by following House and Matt on Twitter as well @House_Nets and @MatSalgado

Friday – How much does it cost you to go to work each day? Prime Time Kitchen with Orlando Weekly Restaurant Critic Faiyaz Kara on Lamp & Shade Craft Kitchen coming soon, Kabooki Sushi expands, nominations open for James Beard awards, an anniversary for East End Market, and his review of Boil Spot Hot Pot BBQ. Rich Tips with Candace from Mexico talks about her trip of troubles. Rauce Thoughts on a movie trailer of Jim's worst nightmare. Plus, WOKE News, Sink or Sail, Embers Only, Trivia & Last Call.

Friday – How much do you worry about sinkholes? Is it a good move to donate clothes? Prime Time Kitchen with Orlando Weekly Restaurant Critic Faiyaz Kara on live fire restaurants, Chayote in Winter Park, Zaru, a new Udon restaurant , Orlando taco week and eating on the auto train, and books he hasn't read. Rauce Thoughts on our personal pinatas. Plus, WOKE News, Embers Only, Trivia & Last Call.

Friday – How long do you keep a couch? Jim finds a plan to out-squat the squatters. Rich Tips with Candace on savings account interest rates and CDs. Prime Time Kitchen with Orlando Weekly Restaurant Critic Faiyaz Kara on the Primrose Lanes $15 hot dog controversy, the Red Panda Noodle anniversary, and the rise of Rise Southern Biscuits & Righteous Chicken. Rauce Thoughts on the AI racist test. Plus, WOKE News, Embers Only, Trivia & Last Call.

Today we'll talk about: How I started sharing my story Why it's important to share your story Difficult times I shared my story & how I overcame it   Stay tuned for Part 2 on Friday: How did you get comfortable with sharing your story Advice for others- struggling   -Kawai     Let's be Friends! -> https://www.instagram.com/kawai_ahquin Website -> http://www.homeschoolingentrepreneurmom.com

Dr. Kevin Lehman is a Psychologist and an author of more than 50 books on marriage, parenting and relationships. You can hear him at the 2-day Leading Your Family Well event at Eastern Hills Church in Williamsville, NY. In this episode, he talks with Terese Main about some of the fundamental issues in our marriages and families. Plus, he shares about what his wife has taught him over the years. Marriage Event "Making Sense of the Man or Woman in your Life" Sunday, August 14 6:30-8:00 PM $15/couple Leadership Breakfast "The Way of the Shepherd" Monday, August 15 7:00-8:00 AM $10/person Moms Event "Building Up Moms" Monday, August 15 9:00-10:30 AM No Cost, Childcare Available (registration required) Parenting Event "Have a New Kid by Friday - How to Change your Child's Attitude, Behavior, and Character in Five Days" Monday, August 15 6:30-8:00 PM $15/couple *All Access Pass (Entrance to ALL Events): $25/couple Find out more and connect to tickets here.

Welcome to the latest edition of First State Kopites - a podcast for Liverpool supporters in Delaware and friends of those Liverpool supporters. it's episode 5 of our 4th season. I'm Paul and I am joined by Daz and Haitham, The countdown is on for the season - 5 days to go till we take on Fulham Part 1 - Excited to chat about beating those entitled ‘Cityzens' comprehensively! Darwin Nunez again Salah, Trent, Thiago Haaland, Phillips, Silva - what state do we think City are in? Footnote about Strasbourg: Kelleher, Ramsay, Tsimikas, Keita, Chamberlain, Jones, Jota could all have expected to play in this one - instead we had a lot of youngsters out there Was really good to see some of the kids get a run out (Clark and Chambers for me personally) - Elliott looked sharp again. Bajcetic looks like he's been playing for more than his years suggest Part 2 - Season starts on Friday: How are we feeling about us? Fulham manager says they aren't ready Thoughts about elsewhere - only Paul is watching Everton - Chelsea Part 3 - Women's Euros comes to a close: Germany outplayed France - It was surprising given what we saw from France against the Netherlands. Popp was the obvious difference but Oberdorf looked good England beat Sweden - Mead's goal changed the game, even though the Russo back heel got all the attention. Sweden's performance? And England beat Germany - fine margins indeed Some of the English coverage…. Those physical Germans What does it mean for the future of women's soccer? We'll be back next week after Liverpool have played their first real game. Thanks to Haitham and Daz If you enjoyed the podcast, share it with a friend. Follow us @FirstStateKopites on Twitter - we only tweet and re-tweet from sources we think are credible. Music is courtesy of Hypenotic - they are a Welsh electro-pop band - https://hyperfollow.com/hypenotic

Hour 3 of A&G on Friday: How do American's feel about abortion? A lengthy discussion on the Hunter Biden details being released. Florida's "Dont Say Gay" bill is nothing like the media plays it up to be. MPG requirements must be changed by 2026, and what are Pizza Eggs? Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Hour 3 of A&G on Friday: How do American's feel about abortion? A lengthy discussion on the Hunter Biden details being released. Florida's "Dont Say Gay" bill is nothing like the media plays it up to be. MPG requirements must be changed by 2026, and what are Pizza Eggs? See omnystudio.com/listener for privacy information.

Hour 3 of A&G on Friday: How do American's feel about abortion? A lengthy discussion on the Hunter Biden details being released. Florida's "Dont Say Gay" bill is nothing like the media plays it up to be. MPG requirements must be changed by 2026, and what are Pizza Eggs? See omnystudio.com/listener for privacy information.

Friday – How have job interviews changed? Have you ever had to cut somebody out of your life? Amy Drew Thompson talks the science of beer, hot pot cooking and Beaver Nuggets in Primetime Kitchen. Nicole Dupre talks about the opening of Steinmetz Hall, American Bandstand at the Ritz, and Ain't Too Proud To Beg at Dr Phillips Center. Rauce Thoughts on Jim, the movie trailer. Pus, WOKE News, Embers Only, Trivia & Last Call.

Exodus 3God reveals himself for the salvation of his people.A Personal God (vv. 1-8)Revelation through a Mediator (vv. 9-13)For His People's SalvationThe Name of GodDiscussion StartersMonday—What does it mean that the Lord has revealed himself personally?Tuesday—Why was Moses unwilling to go back to Egypt? What insecurities does he demonstrate?Wednesday—How does the Lord's form of appearance speak to his character? Does he always appear like that?Thursday—Do you think of God in personal terms, or do you view him as impersonal? Why or why not? Friday—How does this passage affect how you view the third commandment? What does it mean to take his name in vain?

Because God loves us, he disciplines us.Why Discipline? (vv. 1-4)The Danger of an Undisciplined LifeThe Many Forms of Discipline (vv. 1-4)The Heart (vv. 5-17)The Motive of Discipline (vv. 5-11)Responding to Discipline (vv. 12-17; 1 Timothy 5:20; 1 Corinthians 11:31)Look to Jesus (v. 2)Discussion StartersMonday—Have you ever prayed for patience? What happened? What should you expect if you pray for righteousness?Tuesday—What is the danger of raising a child without discipline? Where does a lack of discipline lead? Are you grateful or resentful for your parents' discipline?Wednesday—What are some different forms that discipline takes? How do you tend to respond to adversity? To a friend's correction? What do you think when you see the church exercising discipline?Thursday—Why does God discipline his children? What would it mean for us if God stopped disciplining us? Would that be an act of love?Friday—How do you respond to correction? Does your response encourage or discourage others from speaking into your life? Where is the Lord calling you to grow in this regard?

Ask anything Friday: How do we prepare children for hardship and suffering?

God is faithful to his promises even when he makes it look like they won't be fulfilled.The Faithfulness of GodFaithfulness in the Past (vv. 1-7)God Uses Normal Means (vv. 1-14)God Uses Surprising Means (vv. 15-20)Promises Under Attack (vv. 8-22)Ruthless Oppression (vv. 8-14)Secret Genocide (vv. 15-17)Public Genocide (v. 22)God Arranges Life so that We Have to Trust HimDiscussion StartersMonday—How do you know God is faithful? What past promises has he fulfilled?Tuesday—Why do we have confidence he will continue to be faithful? What promises are we still waiting for him to fulfill?Wednesday—Have you ever doubted that God would be faithful to you? What normal or surprising means is he using in your life to show you his enduring faithfulness?Thursday—Does God still sometimes arrange circumstances to make it look like his promises are failing? How do we typically respond? How should we respond?Friday—How can you encourage others to trust in God's promises? What role do you have to play in God's fulfilling of his promises?

God shares heaven with those who don't deserve it (and admit they don't).The Ways of Man (vv. 7-14, 18-20)Pride (vv. 7-11)Prejudice (vv. 12-14)Treating God Like the Enemy (vv. 18-20; Deuteronomy 20:5-7)The Ways of God (vv. 15-24; Isaiah 55:1-9)The Heavenly Guest List (vv. 16-24; Isaiah 55:1-9; Leviticus 21:17-20)Eating the Bread of Heaven (vv. 11, 14-15)Go and Do Likewise (vv. 7, 10, 12-13, 15)Discussion StartersMonday—How would most people respond to the question, “Why should God allow you into heaven?” What do they assume?Tuesday—What is Jesus addressing when he talks about what seat we choose to sit in at a dinner or banquet? How does this relate to spiritual matters?Wednesday—What is Jesus addressing when he talks about whom you invite to a dinner or banquet? How does this relate to spiritual matters?Thursday—Why does Jesus say he is like someone who invites poor, blind, lame, and crippled people? Why does he choose these afflictions? (Leviticus 21:17-20)Friday—How would you respond if God asked, “Why should I allow you into heaven?”

The Sabbath reveals God's heart to heal and care for others, even if it costs him his life.The Hearts of the Pharisees (13:31-35)Guarding Jerusalem (v. 31)Pursuing Jerusalem (vv. 32-35)The Heart of God (14:1-6)The Law and the Heart of God (vv. 1-4)A Healing Heart (vv. 2, 5-6)Healing on the Sabbath (13:32-33)One More Sabbath, One More Healing (vv. 32-33)Every SabbathDiscussion StartersMonday—Why do you think Luke records four different episodes of conflict with religious leaders surrounding the Sabbath?Tuesday—How did the Pharisees expect Jesus to respond to hearing that danger awaiting him in Jerusalem? Why were they wrong?Wednesday—Why did God give us his law? What is the most important benefit we get from it?Thursday—What is the Sabbath all about? What does it teach us about who God is?Friday—How did Jesus heal us while in the grave on the Sabbath? How should that affect how you see the Sabbath?

Those who will in heaven are those who cling to Jesus above all else.Questions and Assumptions (vv. 23-24, 26 28-29)The Question (vv. 23-24, 28-29)The Assumption (v. 26)Closed Doors and Wrestling Matches (vv. 24-25, 27-28, 30)Closed Doors (vv. 25, 27)Striving (vv. 24, 28; Genesis 32:22-28)The First Shall be Last (vv. 22, 30; Genesis 25:21-23)Discussion StartersMonday—What are some ways you strive to be first or recognized as great at what you do?Tuesday—Why do you think people typically think of themselves as insiders with God? How might those raised in the church be tempted to think this way?Wednesday—What does Jesus mean when he says that he doesn't know where they come from? (vv. 25, 27) Is he saying he doesn't know about them or something deeper?Thursday—What does it mean to “strive” to enter by the narrow door? (v. 24) How is God calling you to strive?Friday—How did Jesus (the first) become the last? How is he calling you to become the last?

FRIDAY - How do guys pick up style. Watches and coffee. Big man in a little car. The Monsters as Super Hero's. RRR - BACON. JTB King of the Day. Robots with feelings. National RadioStation Day. Monster Sports - NFL pre-season. Radio Dayz. To The Top with Carlos - Get the cruise picture. Only Fans. Ryan not impressed with Val Kilmer. Angel on the 1s & 2s. Hot Ryan? K.O.D. - Breaking NEWS. BOTW - Gatlin Hall Brewing

  Daily 10 Friday -How long will the Braves be able to keep their young core together? -Plus the key to the Hawks playoff chances is pretty obvious. See omnystudio.com/listener for privacy information.

  Daily 10 Friday -How long will the Braves be able to keep their young core together? -Plus the key to the Hawks playoff chances is pretty obvious. See omnystudio.com/listener for privacy information.

David Haugh and Zach Zaidman, who was sitting in for Mike Mulligan, opened their show by conducting the daily 5 at 5 segment, debating a variety of questions. -- What was your reaction to Cubs president of baseball operations Theo Epstein admitting the team will consider the “real-world impact” of any trades made before the Aug. 31 deadline? Is that belief consistent with winning a championship? Did anything else stand out about Epstein’s media session Friday? -- How did the decision by White Sox right-hander Michael Kopech to opt out of the 2020 season affect your expectations for the team? What did you think of the way the White Sox responded? Should Kopech have issued a statement himself or explained himself more than he has? -- Cubs left-hander Jon Lester gave up an infield hit and struck out four with no walks in 2 1/3 innings during an intrasquad game Sunday. How conceivable is it that Lester emerges as the team's ace this year? At 36, what’s realistic to expect from Lester? How many starts do you envision Lester making in 2020? -- Bears receiver Allen Robinson fired back at NFL Network analyst LaDainian Tomlinson, who called the team's receiving corps its weakest position and claimed Robinson lacked consistency. Do you agree with Tomlinson that the receivers are the Bears' weakest group? And why do you think Robinson seems to lack respect nationally? -- How do you think NBA commissioner Adam Silver has felt about the first few days life in the Orlando bubble? If you’re Silver, what has satisfied you and what would be your priorities or concerns heading into this week?

FRIDAY - How do we talk about the pandemic? Dr. Fauci sexiest man in America? Breaking down the Karate Kid movies. RRR - Top pop stars of the year. Do celebs owe us an explanation about their success? Angel on the 1s & 2s. K.O.D. - Real Talk. New rules for shopping whats essential. Dr. Allen from Advent Health calls the show. Angelique asks a question. To The Top with Carlos - Box office 2020. Monster Sports. Savannah Queen of All Gators calls the show. BOTW.

Thoughts on a Friday: How are professional Cheaters dealing with the quarantine and more --- 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/chaposcorner/message Support this podcast: https://anchor.fm/chaposcorner/support

Welcome to Finance and Fury Want to touch on passive investing versus higher conviction investing I watched the Big Short last weekend – many people asked me if I had seen it and were surprised when I hadn’t – don’t watch many finance movies or documentaries – find them to be liberal with the facts or only cover the rudimentary factors – so I watched it – good movie – did touch on some of the deeper points of the legislation and had some nods to the root causes – like when Michael Burry had the Fannie Mae/Freddie Mack prospectus on his desk – Those were the Government controlled lending institutions – that were mandated to give out at minimum 30% to lenders who couldn’t afford the loans - Most interesting character was Dr Michael Burry – Michael Burry – Christian Bale’s character – interested in the real-life man - Did some reading – Started his Hedge fund in 2000 – Quickly made large profits from shorting the overvalued shares in the DotCom bubble – Market fell buy about 12% while he made about 55% Also called the subprime housing crash in 2005- profited in 2008 then shut his fund down Since then - Burry has started to focus much of his attention on investing in water, gold, and farmland – quoted "Fresh, clean water cannot be taken for granted. And it is not—water is political, and litigious." But in August, 2019 - Bloomberg News quoted an email from Burry stating his belief that there was a bubble in large US shares due to the popularity of passive investing - which "has orphaned smaller value-type securities globally" He is a traditional Value Investor – Uses Benjamin Graham’s value theories in making a decision – What is value investing? Looking at a share and if it is overvalued you sell – if it is undervalued – you buy = Got to have a good justification as to why it is over or undervalued – not easy to get right – needs a bit of foresight and the timing will always be off – can't predict to the exact day – may be able to predict the span of years – Seeking to work out what something is worth is price discovery – the market betting against the other - Bloomberg says that Burry’s view is that Passive investments are inflating stock and bond prices in a similar way that collateralised debt obligations did for subprime mortgages more than 10 years ago - Bloomberg made this seem like he was comparing CDOs and ETFs in their function – he was talking about the same effects – which is an inflated value of something Great quote that summarises the issue with ETFs –thought: “Like most bubbles, the longer it goes on, the worse the crash will be,” and “The theatre keeps getting more crowded, but the exit door is the same as it always was. All this gets worse as you get into even less liquid equity and bond markets globally,” That is where he sees the issue – in the shares held in the index which will have no liquidity – i.e. nobody wanting to buy or sell them – hence loss based around larger bids to sells How did this start? - Spike in passive ETFs – Active V Passive – between the types of active – high conviction What caused this rise in passive investing? Technology and cost – people can easily access at low costs Been a debate over the pros and cons of active versus passive investing - rightly fully so – as it brings into question the Merits of the different types of active investing Active funds select the shares to hold in the portfolio – whilst the index decides what shares to hold in an index fund portfolio – with this comes high versus low cost – so if an active manager pretty much holds the shares in the index but with slightly varying percentage allocations – is it worth paying the fees – not for active managers who hug a benchmark – or are closet indexers – Active managers have a rough job – have to justify the fees through outperformance – hard over the past decade - as the flow of money into index funds boosted their performances (flows of capital into the index – mostly the large-cap) – If I am looking for active managers - way to do this is to back their convictions and construct an index-unaware portfolio. As such, a subset of active funds has developed known as high conviction funds Issue – Used to be most active funds – all had different shares – but when in indexes – all the same share – granted there are different indexes – but if you buy any ASX index based on market cap – CBA will always be the number one share – same in any index – You might be able to sell an index still – but liquidity may be an issue – and liquidity is just how many buyers and sellers there are – may be a lot in most large-cap sectors – but when you get down into the bottom – slippage may be larger – and even though the bottom 250 companies only make up 25% of the ASX300 – the losses through spreads will likely be larger than the top 50 – and further losses to exit Brings me back to Michael Burry – obviously high conviction - Based around the latest reporting – he only has 7 shares in Scion capital $100m portfolio – Western Digital Corp. (WDC), Cleveland Cliffs, Inc. (CLF), Tailored Brands (TLRD), FedEx Corp. (FDX), Alphabet Inc. (GOOGL), Cardinal Health (CAH), Alibaba Group Holding (BABA) Diversified industries – tech, steel, clothing, IT, health, online commerce and supply chain – some are very low PE and may be bought out – beyond the individual shares – this shows he is a high conviction investor High conviction is a school of active managers - The ability of an active manager to outperform the index is a function of their skill, conviction and the opportunity. The broader the universe of stocks they can choose from, the more opportunity they have to find stocks outside the index. Their skill enables them to choose the right stocks and then, their conviction allows them to build positions in those stocks that may be very different to the index weighting, if they are in the index at all. High conviction equity funds generally have a smaller number of stocks. This narrow focus allows the managers to attempt to drive an information edge, through deep research of those select businesses There is no universally-accepted way to define high conviction funds. Generally, high conviction funds will be expected to contain a small number of stocks however that could vary from as little as 10 to as many as 40. This isn't personal advice – but what are the Strength of high conviction funds over other active funds or indexes If you are a conviction manager – you should be specialising and focusing on your strengths and therefore produce better results than the market Why specialising helps - the sheer volume of information available makes it impossible for even the best quant machines to sort through and analyse it all But putting all of your attention into a limited amount of stocks may enable an information advantage – Think about Dr. Burry – he was always looking for long positions – but some of his biggest gains came from shorts – he was focused on finding value and found overvaluation in a number of assets What about diversification? – I talk about diversification all the time – and it is important – why an ASX index isn’t the best way to diversify either – 10 companies make up 40% of index – 5 of those – over 21% of index is in financials – next 10 companies (top 20) – make up just over 50% - but the bottom 250 only make up 25% - on average 0.1% - the price movement of a handful of share if they are outside of the top 20 won't impact much at all Diversification may not always reduce your risks – i.e. buying 7 banking shares compared to Burry’s portfolio – but diversification is a necessary component of investing because it reduces risk when done properly- which doesn’t solely rely on the number of individual shares held This hypothesis – study - The authors did a backtest study comparing randomly constructed portfolios with varying numbers of holdings of S&P 500 stocks compared with an equal-weighted portfolio of all S&P500 stocks. Using data from 1999 to 2014 they found that: A 10-stock portfolio had a 35% chance of outperforming the market by 1% p.a. and a 22% chance of outperforming by 2%. a 250-stock portfolio had a 0.2% chance of outperforming the market by 1% p.a. and no chance of outperforming by 2%. (Benello, 2016). These are the results for random portfolios and do not take into account the skill of the investor. A skilled investor should be able to improve on those odds – also – take this with a grain of salt - since 2014 to 2020 – I'd say the numbers may look in the index's favour – due to the inflows and also large corporate buybacks – go into further Friday How to find out if it is high conviction? – one method through looking at statistical measures that indicate divergence from the index - BMO Global Asset Management did a study where they compiled a universe of high conviction active strategies to compare them against index funds or other large cap active strategies – Finding – and what measures can be used: Tracking error – 3-year tracking error in the top 20% more than 50% of the time By taking the volatility of Excess Returns – or the Tracking Error – this measures the relative risk, known as a tracking risk of a portfolio against a benchmark – For benchmark-aware strategies - a moderate amount of Tracking Error is necessary – if the tracking error is too low, the manager is less likely to generate Excess Returns – remember – the error here is not being in line with the benchmark based around the level of risk to return – so a high Tracking Error indicates that the manager seeks Alpha at the expense of higher relative risk – almost no tracking error for index-like investments The normal expectation is that high conviction funds will be higher risk. The variation in returns would be likely to be higher as they are less diversified. Large position sizes would result in a bigger impact if a stock meets with disaster. Of course, the hope is that these higher risks are rewarded with higher returns. When reviewing the risk-return trade-off using both one-year and three-year rolling data, they found that the high conviction universe had both higher returns and lower risk than the benchmark, as well as the full universe, when risk is measured as standard deviation of returns.  The study also found that downside risk was lower for high conviction strategies, with high conviction strategies in the bottom quartile of returns less frequently than non-high conviction strategies. The maximum drawdowns were also significantly lower. These findings challenge the assumption that high conviction funds are higher risk. Can also look at Beta – 3-year beta in the top and bottom 10% more than 50% of the time R2 – Coefficient of determination – In investing, R-squared is generally interpreted as the percentage of a fund or security's movements that can be explained by movements in a benchmark index. An R-squared of 100% means that all movements of a security (or other dependent variable) are completely explained by movements in the index – quick way to tell a benchmark hugger 3-year R-squared in the bottom 25% more than 50% of the time Upside/Downside capture – Returns consistency – when the market goes up – does it outperform, or and when it goes down, does it also perform It also found high conviction funds had a higher likelihood of improving performance (i.e. strong performance after a period of underperformance) and a lower probability of declining performance (i.e. bottom quartile performance after three years of top quartile performance). 3-year upside/downside capture in the top/bottom 20% more than 50% of the time Downside capture can be more important – Is this right for you? – again – not investment advice  But high conviction funds are probably best suited to patient investors - Whilst the high conviction funds were sometimes in the bottom performance quartile this did not hurt their long-term performance. They found that the probability of top quartile performance in the three years following bottom quartile performance was 55% for high conviction strategies versus 24% for non-high conviction strategies for developed markets. Investors who did not panic and sell out when the performance was low, were duly rewarded. Due to performance – can gain large inflows – which there may not be the shares to use the cash What is clear is that it works far better for patient investors who have the temperament and the time to ride out downturns. Used as a tool to add alpha to a well-diversified portfolio, it is likely to add to the efficiency of the portfolio.  When selecting a high conviction fund, investors need to understand the specialised skills of the managers, their processes and approach to portfolio construction and risk management, as well as the costs they will be incurring. Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/  

Mother Miriam Live *How should we prepare for Christmas during Advent? *More on Dom Gueranger's "The Liturgical Year" on Advent *How can we be saints in the midst of this fallen world? *What is the Catholic stance on Israel being God’s chosen people? *What is the Protoevangelium of Saint James and how does it affirm the Immaculate Conception? *How do we help children make their first penance or reconciliation? *Is there anything wrong with carnival-like festivals during Advent and Lent? *Why are churches ignoring the prayer day from last first Friday? *How can we help someone in a troubled marriage without appearing judgmental?

Why do we love the energy of Friday? How can we experience Friday energy on other days? Simple ways to use meditation to release tension. --- 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/calvert-kennon/message Support this podcast: https://anchor.fm/calvert-kennon/support

Mother Miriam Live *What is wrong with our school system in our society? *More on Modesty *On married ministers from Protestant faith ordained as priests *The difference between a doctrine and a discipline *Is there an age limit for fasting on Friday? *How can we deal with family members who have fallen away from the church? *Is obedience overridden when choosing between obeying a priest or offending God? *Is the Novus Ordo Mass the "New Mass"?

A Life Well-LivedEcclesiastes 12:9-14Genesis 4:1-12A life well-lived in one lived in the fear of God, not death.I. Frustrated by Brevity (vv. 9-10; cf. 1:1 - 2:26)A. The Dream—Pleasure and Significance (vv. 9-10a)B. The Reality—Futility and Despair (v. 10b)II. Resigned to Brevity (vv. 11-13; cf. 3:1 - 7:29)A. The Seasons of Life (Ecclesiastes 3:1 - 4:16)B. The Fear of God (vv. 11-13; Ecclesiastes 5:1 - 8:17)III. Comforted in Brevity (v. 14; cf. 8:1 - 12:8)A. A Brother’s Perspective (v. 14; Ecclesiastes 6:3-6; Genesis 4:1-12)B. The Peace of PerspectiveC. An Inadequate Snack or Foretaste of AbundanceDiscussion Starters1. Monday—What does it mean to fight against the current? Why is it a hopeless pursuit?2. Tuesday—Why do you think we pursue pleasure and recognition in this life? Why do we want to be important?3. Wednesday—What does it mean to be resigned to the brevity/shortness of life? Why is it important to accept that life is short and the grave is guaranteed?4. Thursday—What is the “fear of God”? Is it a good thing or a bad thing? What does it say about us when we fear other things more than God?5. Friday—How can the shortness of life actually be a comfort when we see the world rightly?

A Life Well-LivedEcclesiastes 12:9-14Genesis 4:1-12A life well-lived in one lived in the fear of God, not death.I. Frustrated by Brevity (vv. 9-10; cf. 1:1 - 2:26)A. The Dream—Pleasure and Significance (vv. 9-10a)B. The Reality—Futility and Despair (v. 10b)II. Resigned to Brevity (vv. 11-13; cf. 3:1 - 7:29)A. The Seasons of Life (Ecclesiastes 3:1 - 4:16)B. The Fear of God (vv. 11-13; Ecclesiastes 5:1 - 8:17)III. Comforted in Brevity (v. 14; cf. 8:1 - 12:8)A. A Brother’s Perspective (v. 14; Ecclesiastes 6:3-6; Genesis 4:1-12)B. The Peace of PerspectiveC. An Inadequate Snack or Foretaste of AbundanceDiscussion Starters1. Monday—What does it mean to fight against the current? Why is it a hopeless pursuit?2. Tuesday—Why do you think we pursue pleasure and recognition in this life? Why do we want to be important?3. Wednesday—What does it mean to be resigned to the brevity/shortness of life? Why is it important to accept that life is short and the grave is guaranteed?4. Thursday—What is the “fear of God”? Is it a good thing or a bad thing? What does it say about us when we fear other things more than God?5. Friday—How can the shortness of life actually be a comfort when we see the world rightly?

Featured Scripture: John 12:9-16Host: Crystal StineWebsiteFacebookInstagramIn today’s message from the gospel of John we reach a turning point in the biography of Jesus. In John 12, the life of Jesus pivots from His public life to the events leading to His death on the cross. The final events in the life of Christ were not what His followers expected, but they were accomplishing what His followers needed. The reality is, Jesus is not the King we want, but He is the King we need!Have you ever been disappointed when someone or something didn’t live up to your expectations? According to Luke 9:51, why was Jesus going to Jerusalem? Read John 12:12-15: What were the expectations for Jesus at that time?What would you say is the typical mental image people have of Jesus? In other words, what do people expect of Him? Has there ever been a time you’ve expected something from God but didn’t receive it?In this message we learn that “Jesus is not the King we want; but He is the King we need.” How does that truth adjust the expectations you have of Him? Very practically, what are some of the things you want but don’t necessarily need? What are the things that you need?How does the fact that Jesus is King change your Monday through Friday? How does it impact your friendships, family, and career? If Jesus is on the throne of your life, how does that change you?

Women, Wisdom, and WorksEcclesiastes 7:15-29When we elevate God’s gifts above God, we do not serve him, we destroy ourselves.I. The Danger of Legalism (vv. 15-20)A. Seeking to Make God your Debtor (vv. 15-20)B. The Fear of God (v. 16-18)II. The Danger of Intellectualism (vv. 21-25)A. Seeking to Know the Hidden Things (v, 23; Deuteronomy 29:29)B. Things You Can’t (and Don’t Want to) Know (vv. 21-22, 24-25)III. The Danger of Romanticism (vv. 26-29)A. Love is Power?B. Those Who Flatter, Enslave (vv. 26-29; 1 Kings 11:3)IV. One in a Thousand (John 17:1-4)A. The Way, the Truth, and the Life (John 14:6; 17:1-4)B. Avoiding TemptationC. It’s Not About YouDiscussion Starters1. Monday—What are idols? Why do people invent them?2. Tuesday—What is legalism? How does it take something good and twist it? Have you ever thought God owed you something in return for your obedience?3. Wednesday—What is intellectualism? How does it take something good and twist it? Have you ever used knowledge as a weapon?4. Thursday—What is romanticism? How does it take something good and twist it? Have you followed your heart rather than God?5. Friday—How does Jesus perfectly embody righteousness, truth, and love? How does he free you up to pursue these things in a proper way?

Women, Wisdom, and WorksEcclesiastes 7:15-29When we elevate God’s gifts above God, we do not serve him, we destroy ourselves.I. The Danger of Legalism (vv. 15-20)A. Seeking to Make God your Debtor (vv. 15-20)B. The Fear of God (v. 16-18)II. The Danger of Intellectualism (vv. 21-25)A. Seeking to Know the Hidden Things (v, 23; Deuteronomy 29:29)B. Things You Can’t (and Don’t Want to) Know (vv. 21-22, 24-25)III. The Danger of Romanticism (vv. 26-29)A. Love is Power?B. Those Who Flatter, Enslave (vv. 26-29; 1 Kings 11:3)IV. One in a Thousand (John 17:1-4)A. The Way, the Truth, and the Life (John 14:6; 17:1-4)B. Avoiding TemptationC. It’s Not About YouDiscussion Starters1. Monday—What are idols? Why do people invent them?2. Tuesday—What is legalism? How does it take something good and twist it? Have you ever thought God owed you something in return for your obedience?3. Wednesday—What is intellectualism? How does it take something good and twist it? Have you ever used knowledge as a weapon?4. Thursday—What is romanticism? How does it take something good and twist it? Have you followed your heart rather than God?5. Friday—How does Jesus perfectly embody righteousness, truth, and love? How does he free you up to pursue these things in a proper way?

Wait, it's not Friday? How do you react when you get sick? Gotcha Gossip: Major Kardashian/Jenner Cheating Scandal. People are Crazy: Police tried to arrest a Star Wars Stormtrooper. WWE know and go Trivia! We celebrate birthdays! Country Music News: Miranda Lambert's new husband pulled off the streets. ACM Nominations announced. Brandon posts picture of Kelly practicing for Prom Fashion Show and she is NOT happy. Who was more awkward, Brandon or Kelly? Junior Auxiliary Crown Club- Betsy Johnson & Madelyn Evans. Country Music News: Luke Bryan's rescue dog passes away. What's on TV tonight?

In this episode, I discuss the 10 most important storylines of the final 25 games of the regular season. How will Isaiah Thomas fit into the rotation?How many games can Denver win?How healthy will they be this Friday? How healthy will they be entering the post-season?Will Michael Porter Jr. play?Will fatigue become a factor?What role will Juancho Hernangomez and/or Trey Lyles play?Can Denver defend like they did in October and November?How will they look in the 12 remaining games against projected playoff teams, especially the ones they are likely to face in the first round?Can Nikola Jokic take another leap when his team needs him most down the stretch of the season?Can the starting lineup reach their potential? Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Six Figure Home Studio Podcast Brian Hood and Chris Graham discuss the benefits of a do not do list. Having this list and checking it twice before moving on to your to-do list can help you structure your day and life in a much better fashion to become more productive. Listen to the episode now to find out the benefits you can reap following this system! In this episode you’ll discover: Why you need policies of not doing certain things in your life How these boundaries for yourself will help your life and business What Winston Churchill and Harry Truman did that you can do too The danger of updating your systems on a Friday How to 80/20 the unhealthy tendencies in your life Why you might need to take advantage of parental controls on your phone What you need to do to recognize your weaknesses and ensure they don’t cause your downfall For full show notes, go to www.thesixfigurehomestudio.com/52 If you want to suggest a guest, an idea for the podcast, or you have some general feedback, then you can submit that via email to podcast@thesixfigurehomestudio.com

In part 2 of the business strategy series, I break down some essential questions that you've got to be able to answer before you start your business. If you've already started, this episode is even MORE important for you. Time Stamps: (1:22) Leave an impact with your business (3:40) Well-established companies still lack answers to some of the most important questions (5:08) Question #1: What is your financial end-game? (6:19) PEN + PAD: What’s your ultimate lifestyle cost per month?  (8:49) PEN + PAD: How much $ does your business have to pay you, for you to live this lifestyle, pay your taxes, and fund your investment strategy? (14:05) Question #2: What does perfection look like to you? (15:00) Question #3: When do you plan on making this financial goal happen? (Benchmarks) (15:38) Question #4: What is the purpose of your brand? (17:40) Question #5: What is YOUR story? (18:47) Question #6: What is the brand identity of the people that you serve? ALL MARKETERS ARE LIARS by SETH GODIN (20:00) Question #7: What is your vision for the people that you are serving? (22:05) This is just the beginning of your business plan (22:56) Coming this Friday: How to become a content creation machine! IMNOTYOU.COM/BIZSTRATEGY IMNOTYOU.COM/COACHING

Now that earnings season is over, it's time to get back to the basics. You can find more in The Options Playbook, which is always available on OptionsPlaybook.com, in on the Amazon Kindle edition. Specifically: A review of last week What happened if you stuck around to the close on Friday? How did we do? Markets are closed for Labor Day How do we take the holiday into account? Where is the S&P 500 right now? Selecting strikes and expiration What do we want to happen? What if it starts to go south? How to turn this into a butterfly And more.... Do you have a question that you want answered on a future episode? Send them to Brian at theoptionsguy@invest.ally.com, or to the Options Insider at questions@theoptionsinsider.com.

Ever started a Facebook Group and had it turn into a ghost town? How do you keep people engaged and loving being part of your Facebook Group? In this episode your hosts, Suzi Dafnis and Michelle Falzon speak to someone who has MASTERED the art of keeping people engaged in her Facebook Groups. Kate Toon of KateToon.com. Discover how Kate does it and what strategies and ideas you can borrow to boost engagement in your own Facebook Group.  Even if you don’t have a group and you never plan on having one… this episode is a masterclass in how to nurture and grow a thriving community - relevant to any other groups you have, including live event groups, online courses and other communities you might want to keep alive and vibrant with your content. Listen to this episode to hear more about: The first thing you need to think about when setting up a group The different levels of “love” Kate gives to her paid vs free groups When to allow “free posting” on your groups and when not to How to “Turn Up” and be 100% present in your group (and why that’s KEY to engagement) How Kate grows engagement in her Facebook Groups even though she is often NOT consistent at posting What you can learn about Kate’s “eggplant” post in one of her business groups that drove massive engagement How to create “spillover” engagement from post to post Why being unapologetically you is one of the best strategies to maintaining a successful Facebook Group When you might want to consider getting another Admin to help you with your Group Why you need to reward your “regulars” Why Kate doesn’t believe in regular “day” posts like “Finish it Friday” How to use a Facebook Group to build engagement and interest in your book Also mentioned in this episode: KateToon.com Confessions of a Misfit Entrepreneur Book by Kate Toon Kate’s Facebook Groups Misfit Entrepreneurs SEO for Success

Weird work schedules Partying on a Friday How to lose a fridge in 10 days Forgetting your lines onstage You smoke weed, boy? Getting “jih-ter-ee-er” on coke Using mushrooms (Key only, not either of us) Terry Gilliam movies Who’s the best Spiderman? (The word is “franchise”) Finding our D and D Orientation Finding our Patronus Octopi or Octopodes? Getting rid of Facebook Going to the snow Baby proofing your house Dog dreaming Dead Like Me Links Time Bandits Time Bandits (1981) - IMDb Hunter S. Thomson Hunter S. Thompson - Wikipedia Terry Gilliam Terry Gilliam - IMDb Imaginarium of Doctor Parnassus The Imaginarium of Doctor Parnassus (2009) - IMDb D and D Orientation Alignment (Dungeons & Dragons) - Wikipedia Pottermore Pottermore - The digital heart of the Wizarding World Different Types of Sierra Nevada Sierra Nevada Brewing Co. Dead Like Me Dead Like Me (TV Series 2003–2004) - IMDb

It was another big weekend in the Ocean Grove real estate market. The big ticket highlight leading into the weekend was Geelong Homes auction for Rivers Gift Charity. In today's episodes, find out from Hugh: * How much money was raised for SIDS * How many homes in Ocean Grove sold since last Friday * How many people through 'Open for Inspection's' over the weekend * The level of interest in Yellow Gums * More on the Powell St 'Sneak Peek' from last week. Property of the Week 8-10 Currango, Ocean Grove http://hayden.com.au/listings/8-10-currango-way-ocean-grove/ To get ahead of the action, call or click below. * CALL ON 5255 1000 * http://www.haydenoceangrove.com.au This Hayden Real Estate News Update is brought to you by the BizCast Radio Network http://bizcastradio.com/

Episode 19 of "There's Still Time", the AFTN podcast, is another of our popular roundtables. Recorded in two parts, the second of which will be up next week, this episode takes a look at the current state of the Vancouver Whitecaps nation. And what a state it seems to be in. More Michigan than California. My usual co-host Steve and myself are joined by Zachary Meisenhamer from Curva Collective, long time fan Steven Lamothe and AFTN writer Jay Duke to discuss the Caps talking points of the week. We have to look back at the loss in Dallas unfortunately. Was it as bad as it first appeared? It seems worse from Martin Rennie's viewpoint, who has totally changed his thoughts about the performance. What was with the team selection and substitutions? Moving on to San Jose, is there still hope that something can be salvaged from this season and what scenarios need to play out for Rennie to still be coach for next season? Who should play, who should be dropped and who wins the Ousted v Knighton v Cannon battle for starting goalkeeper? Will there maybe even be some trades before Friday? How do our panel see the Caps finishing their season? What points total do they need, will they get it and who will fill the top five positions in the West? So many questions! There's some answers but there's also a lot more debated in amongst it all too. And there's still time for the guests to debate three key questions as they hope to win a mars bar in our "30 Seconds To Mars" gameshow.

The $85 billion in across-the-board federal spending cuts are scheduled for Friday How great is the threat to a struggling economy? What's the role of political theater?

Host:  Penna Dexter Guest:  Dr. Kevin Leman, psychologist, radio and television personality, and best-selling author of numerous books, including “Have a New Kid by Friday: How to Change Your Child’s Attitude, Behavior & Character in 5 Days”.