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Keith discusses the pros and cons of investing in single-family rentals versus apartment buildings. He highlights that less than 10% of U.S. building materials are imported, reducing the impact of tariffs. Single-family rentals offer better tenant quality, lower vacancy rates, and higher appreciation potential. They also have lower financing costs and are more divisible.  Conversely, apartment buildings offer economies of scale and lower per-unit maintenance costs. He emphasizes the importance of owning more property, especially new-builds, which offer lower insurance premiums and attractive financing options Work with expert investment coaches to find the best off-market deals and maximize your returns.  GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/535 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, talking about how most home building materials are US sourced and not affected by tariffs, the little understood pros and cons of investing in apartment buildings versus single family rental homes, then what really makes sense to invest in in this particular era and more today on Get Rich Education.   Speaker 1  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome GRE from Tallahassee, Florida to Waxahachie, Texas and across 188 nations worldwide. I'm Keith Weinhold, and you are inside, G, R, E, we are here for you every Monday, without fail, 52 weeks a year, and we have never replayed an old episode either, always original content. Thanks for being here, but you're not here for me. You are here for you as another year dawns before we get into the meaty real estate content of today's show, including single family rentals versus apartments. Take a moment to check in with your own goals. Maybe you think about that is just buying your first investment property, or maybe you own 83 rental units, and you're looking to get to 100 this year. But no matter really real estate is just the fuel for your goal. It's probably not the end goal itself is your goal to have the time freedom to watch all of your kids basketball games this year. What about beyond this year? Are you really dreaming big enough you've got to question yourself on that sometimes, for example, forget flying first class. What if you want to own your own private jet, like Taylor Swift's luxurious Dassault 7x jet for $54 million? how about real estate fueling a dream that's even bigger than that? Yet, last month, the Philadelphia Eagles received the NFL approval for the sale of an 8% interest of the team to two different family investors. Okay, do you find say that interesting owning part of a major pro sports team. And by the way, what would something like that look like for you? I mean, do you even have the headspace to conceive of such a thing? It's good to ask yourself questions like this. Sometimes that sale was based on a valuation of the team of up to $8.3 billion and yet, after all that, the Eagles owner Jeffrey Lurie, he still maintains complete control of the team. Okay, so if each of the two family investors got a 4% interest at this valuation, that is up to a $332 million investment for each family. Maybe that could be a Weinhold the family goal. We'll see about that one. And you know, when it comes to making yourself a bigger you and dreaming a bigger dream, I like to listen to what the doers say. I found it so interesting in a Jeff Bezos interview at the deal book Summit, Bezos said it's human nature to overestimate risk and underestimate opportunity. Bezos also said entrepreneurs would be well advised to try and bias against that piece of human nature, the risks are probably not as big as you perceive, and the opportunities may be bigger than you perceive. That's the end of what bezel said. I really think that that's spot on stuff. now two weeks ago, when I gave GREs national home price appreciation forecast for this year. You might remember that I said that potential Trump tariffs just don't matter as much as people think when it comes to real estate. And understanding more about why I say this, it can help you understand real estate materials and sourcing and home building in the United States, America's overwhelming majority of sourced building materials are not imported, so therefore something like a supply chain bottleneck that's more worth watching, really. It's a huge misunderstanding of the home building market to assume that most building materials come from overseas. They do not, not even 10% of residential construction building materials are imported. The National Association of Home Builders will tell you so. And really, the majority of those few imports that do come from elsewhere, they come from, Canada in the form of timber. You might have heard about that before. Now, there are some things like finishes and fixtures that get sourced from, oh, various other countries, but yeah, the biggest potential tariff expense impacting home builders would come from enacting a cost on Canadian lumber. But I and a lot of economists as well, they're pretty skeptical that the administration would really enact a tariff on a close ally like that, on Canada's raw materials. In fact, Chief Economist Lawrence Yoon of the NAR he conceded that even potential lumber tariffs, they might be given a phasing in period, and that would encourage American timber mills to fill in any production gap. It's also important to you know, remember that doors, windows, cabinets that builders utilize, they are typically produced within us, borders. Windows, doors, cabinets made domestically, unless it's something that relies on raw materials that are imported, they ought to be little affected by tariffs. One example is that kitchen sinks now they largely went from being sourced in China, then Malaysia, then Indonesia, and one main customer is now talking about sourcing them out of Mexico or the Dominican Republic. So there are a few things that less than 10% that's imported. Another imported item is flooring, which moved away from China, went to India for a while, went a little bit back to Brazil, and now more is being sourced by Ecuador. But the important thing to remember is that these are outlier components. Not even 10% of residential construction building materials are imported. That's what you want to remember, concrete, us, rebar, us. So you know, as a real estate investor, you can feel good that as your portfolio grows, each one of your properties was chiefly built with us, labor that you already knew, but it is also built predominantly with us, materials as well. How likely are single family rental investors to say that they want to buy more investment property this year. Well, year ago, 60% of them said that. Today it is up to 76% yes, that many say that they are either likely or very likely to buy single family rental property in the next 12 months, and that same group that was surveyed is also unlikely to sell their property, and they also said that they are more likely to raise the single family rent this year. And all this is according to a joint lending one resi club survey. However, most fall in the range of raising the rent between just 1% and 6% this year, so pretty modest rent increases. In fact, in every region of the US, the majority of single family rental investors describe their rental market as either strong or very strong. But can you guess the weakest region? Okay, this region is the one that still has a majority of landlords that say that their market is strong, but yet the weakest of them all is the South West, and that is largely due to over building and in the survey, what expense increased the most the past 12 months? Well, number one is that 37% of respondents these landlords said it is still insurance premiums. Second place was that 23% say property taxes are increasing the most. And then third was. And 21% say that maintenance and repair costs have increased the most for them. So the top three expenses cited expense increases that is in order, are insurance, property tax, and then maintenance and repairs. And a few weeks ago, I discussed with you, you might remember about how upgrading or remodeling a unit that helps you in at least five different ways simultaneously. Let me talk about this, since I touched on raising the rent and a little comprehension test here. Do you remember what those five ways are? the five ways your help by upgrading or remodeling a unit. And no, these are not the famed real estate pays five ways when you upgrade a vacant unit for rent, or at times, you can even actually upgrade a unit while the tenant is still occupying the property, if it's not a disruptive upgrade type. Okay, I mean, sometimes that tenant can be appreciative that they're getting an upgrade while they live there, but the five ways that upgrading a unit helps you are, first, well, obviously it helps you be able to get more rent in cash flow. Secondly, you tend to attract a higher quality tenant. And then in a five plus unit apartment building, it also increases your noi, therefore a greater overall property value. Fourth is pride of ownership. And then fifth is that higher rents help you offset those erstwhile higher operating expenses.    And here's the thing, when you get free help from one of our GRE investment coaches, like you can do at GRE marketplace.com those properties are either already extensively renovated or they are completely brand new build. So because of that fact, this means that from day one, your rent income is already optimized. You already have the best chance of landing a quality tenant, and you get some sense of having a pride of ownership. And all of those things, they're already optimized for you. You don't have to tinker with anything else, because those GRE marketplace properties, more than 95% of them are either renovated or new build. I would say, using properties conducive to the BRRRR method, they would be the few exceptions there and on GRE marketplace, you can find lower cost renovated single family homes, up to million dollar apartment buildings, either new or renovated. And another pro tip here to help you with something actionable in a premium place to source your growing income property portfolio. You've heard me mention them before, is mid south home buyers, but I'll tell you more about what's going on with them. Yeah, they're an especially good place to add your portfolio if you either haven't invested outside of your home market before, or you don't have as much liquidity right now, because their prices are just 100 to 180k they are still in that range. And yes, that 100 to 180k that is indeed the entire capital price for the asset. So that means down payment and closing costs being about 25% therefore it's just 25k to 45k Yes, you can still get started for that little with a wonderfully renovated property in either Memphis or Little Rock. Those are the two markets where mid south home buyers operates, and they are some of the most investor advantage markets in the entire nation. And then the US is one of the most investor advantage markets in the world. And last month, I met and spoke with a 19 year old guy that lives in Dallas, and he just bought his first ever investment property from mid south home buyers in Memphis. And in fact, it was his goal to have his first income producing property at age 18, and he bought it the day before he turned 19, so he barely met that goal. But yeah, they are total pros at mid south they've been doing it for over two decades. They say that they are the nation's highest rated turnkey property provider. They might even be the first provider in the nation, if you like. They also manage the property for you, and their property managers are really aware that their investors, like you, seek a return on investment, so they often have a line a waiting list. To get their properties. Last I checked the line at mid south had shortened globally attractive cash flows an A plus rating with a better business bureau, and they've now renovated over 5000 houses. And over there, they do a lot of things with their management that you just wish every provider would do, there is zero markup on maintenance. Their average occupancy rate is almost 99% average renter stays more than three and a half years. And you know that three and a half years, that duration of tenancy that could be poised to go even higher now, with the affordability crisis for these want to be first time homebuyers now, most of what mid south has are single family rentals, quite a few duplexes too. Every home has brand new components, a full one year warranty, bumper to bumper, new 30 year roofs. And then the really important part expect a high quality renter that they screen and find in place for you. So let me give you an example of two real properties. And now, if these two aren't under contract already, they probably soon will be, since I'm mentioning them. And of course, duplexes cost more than single family rentals. This duplex is in Jacksonville, Arkansas. It's just northeast of Little Rock. It is 913 and 915 Ruth Ann drive, the combined rent from both sides is $1,775 the all in cost is about 210k 2099, in total, it's 1600 square feet. So 800 square feet each side, it's two bed, one bath each side. The Property taxes are really low, $1,300 a year, really nicely renovated with good quality materials. I mean, I love owning properties like this all day. So that's a duplex in the Little Rock market. Another one from mid south is this, Memphis single family rental. The address is 400 Bonita drive. It is $1,200 rent on a $148,100 purchase price. Gosh, those numbers work. This single family rental is three bed one and a half bath, 1164 square feet. Gosh. Again, low property tax in these regions, just $1,120 annually. All right, so that property tax rate is just three quarters of 1% of the purchase price. So really low on a national basis, a big backyard, eat in kitchen, separate laundry room, walking distance to schools. I mean, this is the type of property a tenant family could live in for five or 10 years, beautifully renovated. And I'm bringing these up because these are all at prices that Metro New Yorkers or coastal Californians can barely believe. So each property has hundreds of dollars of projected positive monthly cash flow. Each one increases your income 2000 to $5,000 per year. And I have personally toured mid south home buyers office in Memphis and their properties in person in Memphis. And I've seen their properties in each stage. I walked a tear down that they were doing, and I saw all the debris in the backyard. And I have seen their hardwood floors shine inside newly renovated property that I walked with both Terry and Liz from over there at Mid South. She is a pretty popular and extremely knowledgeable woman there. Liz, you can ask for her or one of her team members about getting on the list over there. Yes, these are 100k to 180k already renovated. Yes, that's truly the all in price, and they are in decent, working class pride of ownership neighborhoods in Memphis, Tennessee and Little Rock, Arkansas. And a lot of people get their start in investing there, I suspect it's now in the hundreds, with the number of GRE listeners that have bought from them. But even veteran investors, with dozens of units, they scoop up properties from them due to the low prices, some even pay gasp, all cash, yes, no leverage for them. And mid south homebuyers has investor tours monthly, where they load everyone on a bus, and you can check out the properties, because they are really proud of what they offer there coming up next, I'm comparing single family rental investments to apartments. But yeah, right there. That was a pro tip that really ought to help you out. Expect cash flow from day one. A 19 year old is doing it. You can start yourself at mid south homebuyers.com. More next. I'm Keith Weinhold. You're listening to get rich education.    Oh geez, the national average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know because I'm an investor in this myself, earn 10% like me and GRE listeners are. Text family to 66866, to learn about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866.    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 420056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Kathy Fettke  21:55   you this is the real wealth network's Kathy Fettke, and you are listening to The always valuable get rich education with Keith Weinhold.   Keith Weinhold  22:12   Keith, welcome back for the 535th week in a row you are listening to get rich Education. I'm your host, Keith Weinhold, and I'm really grateful to have you here if you self manage your properties. One software that can really simplify your life is called Hemlane, H, E, M, as in Mary, l, a, n, e, Hemlane. You might have heard about it before. I now know quite a few people that use it. It's been getting some really good reviews. You can manage your properties from anywhere, even through your phone. And Hemlane has got some really good integrations, and now it's more than just investors like you that are using it. Agents and property managers are using Hemlane too, from advertising to tenant screening to maintenance and repair and accounting, and I just learned that they recently got all of the state specific lease agreements integrated on their platform as well. That's why it was on top of mind. If you prefer to self manage and you want to make it easier, what you can do is book a free demo and they show you how it works. Over there, it's just hemlane.com where you can do that if you like. Let them know that I told you about it.    Before I share something else actionable with you, let's do some learning and talk about apartment buildings and single family rental properties, and compare the two, some pros and cons of each. And perhaps the most obvious advantage of apartment buildings is their economies of scale. A 12 unit apartment only has one roof to maintain and one insurance policy to maintain. Another efficiency is that shared common areas and plumbing and HVAC systems that can lower your individual maintenance costs on a per unit basis as well in those apartments. And right now, at this time in the mid 2020s, decade, another advantage of apartments is that this time in the cycle is where values are just about bottoming out. Apartment buildings in a lot of national regions have fallen 20% fallen, 25% or even fallen 30% or more from their highs that were seen two to three years ago, and that's due to those higher interest rates. And the reason that this is an advantage for apartments is that you might be able to buy low, buy the dip, apartment cap rate. Have settled in the mid five range. Now, well located Class A has dropped back into the fours. Long time investors already know about some of the advantages, but you know, even some long time investors, they often overlook some of the advantages that single family rental properties have over apartments. So let me share some of those with you. Now, as you know, I started off with my first two investment properties, both being four Plex buildings, and then after that, I added larger apartment buildings and single family rental properties, and I still do buy and own single family rentals. So let me tell you about why I love them. They might have the best risk adjusted return anywhere even after 2008 great recession. Those that bought single families for cash flow persevered with single families. You get a better quality of tenant than you do in apartments. They take care of the premises. They tend to be in a better neighborhood. Single families tend to appreciate better over time, and are also more likely to be in a better school district. Single families have a retention advantage. Tenants stay longer, and that creates less vacancy and expense, and the reason that they do stay longer are those aforementioned neighborhood and school district characteristics, common areas. You know, single family rentals, they don't have any common areas that you have to clean and maintain. I think I pointed that out to you before, because that's like an overlooked profit drag that I missed when I bought my first larger apartment building. Yeah, apartments have hallways and stairs and laundry rooms and commonal door grounds that a custodian has got to service. Single families have an advantage when it comes to utility payments, because tenants often pay all of the utilities and they even care for the lawn. The larger the apartment building is, the more likely that you are going to be the one paying the utility costs. Then there's divisibility. What if you've got a property that's underperforming out there and it just isn't meeting your expectations? Well, if you had, say, 10 single family rental homes, you can sell off the one or the two that aren't performing, but yet, with a 10 unit apartment building, you've either got to keep them all or sell them all. It is not divisible. What about fire and pestilence, something a lot of people don't talk about? I mean fire and pests. They are more easily controlled in single family rentals, even if you're adequately insured, these conditions often affect multiple units and families. They can spread in an apartment building. Financing is a huge one income single family homes, they have both lower mortgage interest rates than apartments and typically lower down payment requirements than apartments. I think you already know you can secure 10 single family rental loans, single 20 if you're married at the best rates and terms through Fannie Mae and Freddie Mac with just 20% down payments, you can even go less than 20% on non owner occupied in some cases, but apartments rarely, if ever, have 30 year fixed rate terms like single family rentals do, and this right here in particular, that really started bringing down a lot of apartment investors, beginning in 2022 and 2023 when their interest rates reset much higher, doubling, or even more than doubling. How about vacancy rate? It is true that if your single family is vacant, then your vacancy rates 100% if your say four Plex has one vacancy, well then your vacancy rates only 25% but yeah, the same is true if you own four single family rentals and one is vacant. How about management? If you hire professional management, your manager would likely rather deal with higher quality, single family residence. And if you're self managing, this is a demographic of people that you would likely rather handle yourself. Then there's supply and demand, there just absolutely still are not enough low cost, single families that make the best rentals nationally, demand still exceeds supply. That's the opposite condition for apartments, and this is something that's going to continue in the short and the medium term market risk that is an overlooked criterion. You've got to keep your properties filled with rent paying tenants that have jobs. If you think you'll be able to buy 10 rental units in the near future, well, your 10 unit apartment building that's only going to be in one location, and that's going to leave you exposed to just one geography's economic fortunes. But if you have 10 single families, you could have four of them in Central Florida, three of them in Fort Worth Texas, and three of them in Memphis. And you got to think about exit strategy. A lot of people don't think about this. Think about the exit before you even get in, because years down the road, when it's time to sell your income property, hopefully, after you've had years of handsome profits, and real estate pays five ways and all of that, you know what? Down the road, there is going to be a greater buyer pool for your single family rental than your apartment building. In almost every case, more buyers can afford the lower price, and unlike apartments, you even have access to a pool of buyers that might want to occupy the single family rental themselves. It might even be your current tenant that buys it, but the market and the numbers have to make sense for someone to want to buy an apartment building, but if an owner occupant buys it from you, that family doesn't have to have any numbers that make sense. So your single family rental is more liquid on your exit and professional management, that's another reason that single families can make sense. Because see single family rentals, they can be spread all over a metro area diffusely, and if you self manage, that is a lot of little trips that can get to be a hassle. But if you use a pro manager, well, they're the ones that have to manage the scattered sites. And a lot of times, managers don't charge you much more to handle your single families than they do your apartment buildings. So right now, there were a ton of advantages, a good 15 or 20 advantages there that single family rentals have over apartment buildings. And it's important I discuss them, because there are a lot of investors that don't factor all of those in. Even veteran investors tend to overlook some of those things. Again, I really like apartment buildings as well. They could very well be my second favorite investment to single family rentals, and I would like to now, with that understanding, really say something that I probably don't say quite often enough if you want to benefit from all these wealth building forces here that I've talked to on the show for for more than 10 years. You need to own more property, or get started with your first property.   Now I've already given you one great resource for that. And yes, what do they say? The turtle never got ahead until he stuck his neck out. Now the uncertainty, I mean uncertainty. That's just that condition that never completely abates. But in a sense, I think you can say today that the future is already here because we've got substantially more economic certainty and political certainty than we have had in recent years. The presidency was decided peacefully. Recession fears have abated. The Fed after screwing up with high inflation a few years ago, they have now engineered a soft landing, meaning lower inflation with still high employment. So now is a good time. What about real estate prices? I'll tell you something about that all of my investor life, every single property that I've ever bought, without exception, it felt aggressively priced at the time, and then, typically, it always happens when as little as one year or two years goes by, it already looked like a good decision. And I'd like to encourage you to do something else in this era, if you can swing it, buy new build property. That's something that wasn't always true. They do cost more. It's probably going to be 300k plus for a new build rental, single family home, but either way, be sure to own more property, existing or new benefit from what we talk about now. In some parts of the nation, including Florida, builders built a few too many properties, and they are willing to give you a discount for that. They might even cut the price a little and give you a rate discount, buying down discount points for you so that you can get a mortgage loan interest rate in the fives or even in the fours on new build income property right now in a volatile insurance market, new builds also have some super low insurance premiums because the property is built to today's more stringent codes. I mean, a. Just put an example out here. If you say, buy 10 rental, single family homes for $3 million total, 10 properties, 300k each. Okay, it's just 5% appreciation, which is what I projected for this year in our home price appreciation forecast. Two weeks ago, on $3 million worth of property, that's 150k per year, every year growing that you can pull out of the properties completely tax free. But to get that 150k per year tax free, you would have only had to make a 750k down payment and closing costs 25% on this that's not even counting the cash flow that the properties generate, plus your loan, of course, is simultaneously being paid down by tenants. And on top of that, inflation would just relentlessly debase your two and a quarter million dollars of fixed rate debt. Yes, all while the appreciation and the cash flow occurs, inflation debases your debt by another $67,500 every single year, and your tenant pays down some more principal on top of that. And then there are the other tax benefits too. And this is where you are massively getting ahead. All right, that was a $3 million portfolio, but if you can only do 1/10 of that own, just say one more new build, 300k single family rental, then you get 1/10 of those benefits that I mentioned, and either way, a total return on investment of 30% or more annually that is achievable. It's actually even conservative. I mean, just with the 5% appreciation, with four to one leverage, that's a 20% return just on the appreciation component alone.    And our GRE investment coaches can make this real for you. They can talk to you about these properties and others, including those mortgage rate buy downs into the fives and the fours properties in investor advantage markets in Ohio, Indiana, Illinois, Pennsylvania, Georgia, Oklahoma, Texas, Florida, Alabama, Mississippi, Tennessee, Arkansas and some others. In fact, let me give you two examples of what our investment coaches can help you with right now. This is pretty fun, actually, as I talk about these properties, because you might even end up owning the ones that I discuss right here on the show. The first of two is a brand new build, single family in Palma Coast, Florida. Gosh, it's a ranch home. Really good looking. Two car garage, is what I'm looking at here. It's 1200 square feet, three, bed, two, bath. It's called the Bing model, and it's got the type of layout that tenants really want today. I mean, your resident could stay there for a long time. $2,100, in rent for a purchase price of $289,900 I mean those numbers, along with the mortgage rate buy down to four and a half percent, plus new build insurance premiums that are going to be low. That really works today. That is really attractive there in Palm Coast, Florida. And the last one I'll mention is an older single family rental in Canton, Ohio. Yes, that's the home of the Pro Football Hall of Fame. The address is 2422 6th Street, Northwest in Canton. Rent of 1225, and a purchase price of just $135,000 The size is 1036 square feet, and it is four beds, one and a half baths. The renovations really look quite good. As you recall, those benefits of buying property that's already renovated, like I discussed earlier, all for 135k in today's market. So these properties and so many more like them, that's what our investment coaches can help you with. Their service is always completely free, but first what they do is they learn a little about you, and they can then put together an entire investment real estate portfolio for you, if you like. So they'll assess and evaluate what you've got, where you want to go, what property types are conducive to aligning with your strategy, and are there any best geographies for you? And more. So it's really important to stay in touch with your coach. I mean, we might find out, for example, tomorrow, that a home builder that we work with decided to offer some massive mortgage rate buy down incentives for you because, say, they built too much. So I really encourage you to set up that touch point for the first time, or to stay in touch and see what's happening, free coaching off market opportunities, and it's easy to set up a short meeting over the phone or on zoom with an investment coach. You can do that at GRE marketplace. It really can be quite a life changing venture for you from GRE marketplace.com just click on the coaching area until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  40:49   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  41:09   The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

In this episode, we dive into the interplay between the hypothalamic-pituitary-adrenal (HPA) axis and the microbiota-gut-brain (MGB) axis, highlighting their bidirectional communication through endocrine, immune, and neural pathways. We'll explore how gut-derived metabolites like short-chain fatty acids (SCFAs) and endotoxins like LPS influence HPA axis activity; conversely, we explore how dysregulated cortisol can impact gut barrier function, immune signaling, and more. We also discuss testing including stool analysis and DUTCH tests. Topics: 1. HPA Axis and MGB Axis Interaction The HPA axis and microbiota-gut-brain (MGB) axis are bidirectionally connected. Gut microbiota influences the HPA axis via metabolites and more 2. Overview of the HPA Axis and Cortisol Secretion Stress signals activate the hypothalamus to release CRH. Stimulates the anterior pituitary to produce ACTH. ACTH signals the adrenal cortex. The adrenal cortex releases cortisol, which binds to glucocorticoid receptors (GRs). 3. Cortisol Dysregulation Impact on Intestinal Health Intestinal lining anatomy: epithelial cells Tight junction proteins regulate nutrient trafficking and prevent pathogen entry. The mucosa contains epithelial cells, connective tissue (lamina propria), and a thin muscle layer. 4. Glucocorticoid Receptors (GRs) in the Gut GRs are intracellular receptors that modulate gene expression when activated. Cortisol binding causes GRs to translocate to the nucleus and bind DNA at GREs. GRs on epithelial cells. Modified tight junction protein expression. 5. Gut Microbiome's Role in HPA Axis Activity SCFAs, including acetate, propionate, and butyrate, produced by gut bacteria fermenting dietary fiber. SCFAs support gut integrity, reduce inflammation, and act as signaling molecules. A diverse and healthy microbiome can enhances HPA regulation via SCFAs. 6. SCFA Modulation of the HPA Axis SCFAs and cortisol. Research highlights SCFAs' ability to attenuate stress-induced cortisol increases. 7. Dysbiosis - Impact on the HPA Axis Dysbiosis reduces SCFA production, impairing gut barrier integrity and immune signaling. Dysbiosis, intestinal hyperpermeability and LPS. LPS activates inflammatory pathways. 8. Inflammation and Dysregulated HPA Activity Chronic inflammation and cortisol. Inflammatory signals from the gut exacerbate systemic and neural stress responses. 9. Symptoms of HPA Axis Dysfunction Chronic fatigue, disrupted sleep, mood disturbances... 10. Identifying Root Causes Dysbiosis, chonic infection / chronic inflammation... DUTCH Test Stool analysis Thanks for tuning in! "⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠75 Gut-Healing Strategies & Biohacks⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠" Follow Chloe on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@synthesisofwellness⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Chloe on TikTok @chloe_c_porter Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠synthesisofwellness.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --- Support this podcast: https://podcasters.spotify.com/pod/show/chloe-porter6/support

De Ce Eșuează Antreprenorii? Iată Cele Mai Mari Greșeli pe Care le Poți Face Primul an de antreprenoriat poate fi o adevarata provocare, mai ales daca te confrunti cu greseli pe care, poate, nici nu stii ca le faci. In acest video, iti dezvaluim 7 greseli majore pe care antreprenorii le fac frecvent in primul an de business si cum le poti evita, astfel incat sa-ti cresti sansele de succes pe termen lung! Hai sa tinem legatura: Academia Gomag: https://academia.gomag.ro/  Blog: https://www.gomag.ro/blog/  Comunitatea Gomag: https://www.facebook.com/groups/gomagro/  Instagram: https://www.instagram.com/gomag.ro/  TikTok: https://www.tiktok.com/@gomag.ro Descoperă în acest episod cum să eviți capcanele comune întâlnite în primul an de antreprenoriat și să îți construiești o afacere durabilă. Vom explora importanța unui plan de afaceri simplu, monitorizarea cash-flow-ului, ascultarea feedback-ului clienților, echilibrul între acțiune și perfecționism, și necesitatea marketingului online eficient. De asemenea, discutăm despre valoarea construirii unei echipe și importanța adaptabilității într-o piață în continuă schimbare. Vei învăța de ce un produs bun nu se vinde singur și cum platforma Gomag poate facilita campanii de marketing eficiente pentru a-ți crește vizibilitatea și a atrage noi clienți. În plus, vom aborda importanța unei echipe și cum refuzul de a delega poate inhiba creșterea afacerii. Antreprenoriatul este o călătorie plină de provocări, dar cu strategiile potrivite și un mindset adaptabil, poți naviga spre succes. Ascultă acest episod pentru a-ți asigura un start solid în lumea afacerilor!

Le 17 novembre 2024 Par Laurent Gerber ___ Le roi Joas a eu un début de vie très difficile, un milieu de vie avec beaucoup d'influences, une fin de vie interpellante. Nous allons découvrir la faiblesse de Joas et en tirer des leçons pour notre quotidien. Avec Dieu, nous pouvons guérir notre passé. Ne nous contentons pas de victoires partielles.  Dieu désire nous voir régner sur la terre.  

Karches, Nora www.deutschlandfunk.de, Büchermarkt

Jana Grešová je trenérka psů, chovatelka a aktivní závodnice, která má na svém kontě již mnoho úspěchů s několika svými psy. Ať už v obedience nebo sportovní kynologii, konkrétně v IGP. Jak hodně jsou tyto sporty odlišné? A jak je náročné zvládat oba sporty s jedním psem na nejvyšší úrovni? To a mnohem více nám Jana určitě ráda prozradí.Liší se od sebe hodně IGP a Obedience?Kolik času zabere trénink jednotlivých oddílu a jak to vše skloubit dohromady?Jaký cvik byl pro tebe největší oříšek psa naučit?

Netz, Dina www.deutschlandfunkkultur.de, Lesart

Netz, Dina www.deutschlandfunkkultur.de, Lesart

Netz, Dina www.deutschlandfunkkultur.de, Lesart

Après avoir cofondé la BISO, la Biennale internationale de sculpture de Ouagadougou, Christophe Person met en lumière dans sa galerie parisienne jusqu'au 27 juillet 2024 le paysage artistique du Burkina Faso. L'exposition « Au pays des Hommes intègres » regroupe sept artistes burkinabè. Un témoignage artistique unique et personnel de leurs réalités. L'exposition dont nous allons parler aujourd'hui s'intitule « Au pays des Hommes intègres ». Elle est à découvrir jusqu'au 27 juillet 2024 à la galerie Christophe Person à Paris. C'est une exposition qui nous emmène à la découverte d'artistes du Burkina Faso, qui mettent la peinture, la sculpture, le dessin ou la photographie au service de leur art et de la culture de leur pays.Ils sont sept artistes invités, et deux d'entre eux, la peintre Olga Yaméogo et le photographe Léon Nyaba Ouedraogo sont les invités de VMDN en compagnie de Christophe Person.Rediffusion de l'émission du mardi 11 juin 2024.

Après avoir cofondé la BISO, la Biennale internationale de sculpture de Ouagadougou, Christophe Person met en lumière dans sa galerie parisienne jusqu'au 27 juillet 2024 le paysage artistique du Burkina Faso. L'exposition « Au pays des Hommes intègres » regroupe sept artistes burkinabè. Un témoignage artistique unique et personnel de leurs réalités. L'exposition dont nous allons parler aujourd'hui s'intitule « Au pays des Hommes intègres ». Elle est à découvrir jusqu'au 27 juillet 2024 à la galerie Christophe Person à Paris. C'est une exposition qui nous emmène à la découverte d'artistes du Burkina Faso, qui mettent la peinture, la sculpture, le dessin ou la photographie au service de leur art et de la culture de leur pays.Ils sont sept artistes invités, et deux d'entre eux, la peintre Olga Yaméogo et le photographe Léon Nyaba Ouedraogo sont les invités de VMDN en compagnie de Christophe Person.Rediffusion de l'émission du mardi 11 juin 2024.

What happens when two tax fanatics who are passionate about tax education get together to talk about draft tax legislation??? Check out this episode to find out!So excited to have my friend, and fellow tax enthusiast, Henry Shew, on the podcast today to chat about the draft legislation that the Federal Government released on June 10, 2024 relating to the changes to the capital gains rules in Canada.  There are some amazing resources available which "go into the weeds" on the details of the legislation - but Henry and I wanted to go big picture for this episode.  We wanted to provide some background on how tax legislation is passed, and highlight some things you need to be aware of - here is the scoop on what we discuss:(1) What is a "Notice of Ways and Means Motion"? (6:08)(2) What is in the draft legislation? (10:08)(3) What is missing from the draft legislation? (22:04)We talk about:  Capital gains reserveThe expansion of the $250K exemption to GREs and Qualified Disability Trusts Applicability to alter ego trustsWhat happens if a trust or a partnership has a gain mid-way through the year, but does not allocate the gain until later in the year?The "averaging" rules, and the impact on the capital dividend accountChanges (positive) to allowable business investment lossesSome of the things that were missing...why isn't this indexed to inflation?There is no carry-forward of the $250K annual thresholdHas the government forgotten about integration?AMT - lack of interaction between the changes to AMT and the new legislationWord on the street is that supplementary draft legislation will be released by end of July which hopefully fills in some of the gaps... we will see!RESOURCES DISCUSSED ON THIS EPISODEIn case you want to read the draft legislation: https://www.canada.ca/en/department-finance/news/2024/06/government-of-canada-delivering-tax-fairness-for-every-generation.html Check out this great video from CBC News Explore: https://www.cbc.ca/player/play/video/9.6423015Tax Lite! https://www.taxlite.ca/ AppStore link - https://apps.apple.com/ca/app/tax-lite/id6447789656Google Play store link - https://play.google.com/store/apps/details?id=app.taxlite.appMORE FROM HENRYOur Family Office: https://ourfamilyoffice.caLinkedIn: Henry Shew HERE ARE SOME OTHER WAYS TO CONNECT WITH ME:My website! Email: thetaxchickpodcast@gmail.com@tax.chick (IG) LinkedInBe a "Tax Chick VIP" 

Après avoir cofondé la BISO, la Biennale internationale de sculpture de Ouagadougou, Christophe Person met en lumière dans sa galerie parisienne jusqu'au 27 juillet 2024 le paysage artistique du Burkina Faso. L'exposition « Au pays des Hommes intègres » regroupe sept artistes burkinabè. Un témoignage artistique unique et personnel de leurs réalités. L'exposition dont nous allons parler aujourd'hui s'intitule « Au pays des Hommes intègres ». Elle est à découvrir jusqu'au 27 juillet 2024 à la galerie Christophe Person à Paris. C'est une exposition qui nous emmène à la découverte d'artistes du Burkina Faso, qui mettent la peinture, la sculpture, le dessin ou la photographie au service de leur art et de la culture de leur pays.Ils sont sept artistes invités, et deux d'entre eux, la peintre Olga Yaméogo et le photographe Léon Nyaba Ouedraogo sont les invités de VMDN en compagnie de Christophe Person.Reportage : Sarah Cozzolino a rencontré à Rio l'artiste portugaise Grada Kilomba qui présente pour la première fois au Brésil son œuvre « The boat », une sculpture à grande échelle où sont exposées des poutres de bois calcinées, qui dessinent les contours d'un bateau négrier. L'œuvre est accompagnée d'une performance avec des poèmes en plusieurs langues (Yoruba, Crioulo du Cap vert, portugais…).

Après avoir cofondé la BISO, la Biennale internationale de sculpture de Ouagadougou, Christophe Person met en lumière dans sa galerie parisienne jusqu'au 27 juillet 2024 le paysage artistique du Burkina Faso. L'exposition « Au pays des Hommes intègres » regroupe sept artistes burkinabè. Un témoignage artistique unique et personnel de leurs réalités. L'exposition dont nous allons parler aujourd'hui s'intitule « Au pays des Hommes intègres ». Elle est à découvrir jusqu'au 27 juillet 2024 à la galerie Christophe Person à Paris. C'est une exposition qui nous emmène à la découverte d'artistes du Burkina Faso, qui mettent la peinture, la sculpture, le dessin ou la photographie au service de leur art et de la culture de leur pays.Ils sont sept artistes invités, et deux d'entre eux, la peintre Olga Yaméogo et le photographe Léon Nyaba Ouedraogo sont les invités de VMDN en compagnie de Christophe Person.Reportage : Sarah Cozzolino a rencontré à Rio l'artiste portugaise Grada Kilomba qui présente pour la première fois au Brésil son œuvre « The boat », une sculpture à grande échelle où sont exposées des poutres de bois calcinées, qui dessinent les contours d'un bateau négrier. L'œuvre est accompagnée d'une performance avec des poèmes en plusieurs langues (Yoruba, Crioulo du Cap vert, portugais…).

Naomi a un plan. Elle va proposer à Ruth de retrouver Boaz durant la nuit dans son champ pour se coucher à ses pieds. Ce qui constitue une demande indirecte en mariage. ▬▬▬▬▬▬▬▬▬▬▬ VOUS APPRECIEZ CES ETUDES BIBLIQUES ? ▬▬▬▬▬▬▬▬▬▬▬ Alors : ✅ Abonnez-vous à la chaine ✅ Laissez un "like" ou un commentaire ✅ Et partagez-les sur les réseaux sociaux avec le hashtag #EtudierLaBible !

Pour ce premier épisode décryptage de la chanson icônique !  Né rue Case Nègres (feat MC Janik) - Doc Gynéco Sources & Biblio :  - Interview Mc Janik, avril 2022, Valérie-Ann Edmond-Mariette. -https://fr.wikipedia.org/wiki/Doc_Gyn%C3%A9co

Si le Capitaine Sankara, avec ses discours sur la promotion d'une Afrique décomplexée, une Afrique qui doit se prendre en main, conquit les jeunes Africains de tout âge, il a dans le même temps de plus en plus de mal à conduire avec sérénité la révolution burkinabè dont il est le leader. En interne, une opposition souterraine s'emploie à diviser, à opposer les principaux acteurs du changement. Ses ennemis sont parvenus à créer une brèche dans la confiance qui régnait entre lui et son numéro 2, Blaise Compaoré. Celui-là même qui a mené la charge le 4 août 1983 depuis Pô pour prendre Ouagadougou et lui remettre le pouvoir. Celui qu'il considère comme son frère et qui s'occupe de sa sécurité.

Especialistas dizem de consumir leite faz bem à saúde. E ainda: Mulher denuncia ex-marido por agressão e acaba presa

Javier Di Granti presenta... LOUNGE CINEMATICA PODCAST RADIO Temporada 3 * * * Episodio 3x19 (26/05/23) Locuciónes de Xavi Martin e Iris Lago Seleccion y direccion de Javier Di Granti * * * ///Tracklist//// 01. I Gres - Restless //Cabecera Lounge Cinematica Temporada 3 02. A.R.Luciani & Paolo Renosto - Tema Per Monica 03. Epicarpus Duo - Saudade Brazileira 04. Complesso Strumentale The Atomy - Ossessione in Bossa 05. I Marc 4 - Inseguimento in 5-4 06. Mandrassi - Rhythm Five 07. Le Particelle - Dominique 08. Manuel De Sica - Grande con Te (Instrumental) 09. Manuel De Sica - Risciò //Pausa publicitaria 10. LOUNGE CINEMATICA CLASSICS: Franco Zauli - Taka Dadin 11. Armando Trovajoli - Gli Attendenti (Javier Di Granti Suite)* *Novedad Discográfica / New Release

Pemzek Grek a zo bet lazhet gant bombardamañchoù an arme rus e-kichenn Marioupol n'eus ket a-bell. Abaoe pell 'zo Greked o chom en Ukren, war-dro 100 000 marteze, met abaoe eo bet diklaret ar brezel emaint kont da ziblas, evit mont da chom d'ur vro ha n'anveont ket tamm : ar Gres.

Republik Makedonia 'oa ganet a-benn 'oa kouezhet Federasion Yougoslavia er bloavezh 1991. Met diouzhtu kazimant 'oa savet bec'h etre gouarnamant Makedonia ha gouarnamant Gres 'blam' da anv ar vro. Evit ar C'hreked emañ Makedonia e Gres ha n'eus netra da welet gant Skopje. Deuet 'oant a-benn d'en em renkañ e 2018 a-benn ar fin, pa oa bet lakaet un anv all : Republik Makedonia an Norzh.

Liens :- L'article sur BTC Touchpoint- L'article original en anglais- Lecture commentée de l'article par son auteur dans l'émission "Smart People Shit" visionnées1) L'auteur- Page Medium de l'auteur2) Films/documentaires et  interviews de l'auteur- Bitcoin is Generational Wealth - A Short Film by Matt Hornick and Tomer Strolight- Bitcoin is Beautiful - a Short Film by Tomer Strolight2) Interviews de l'auteur- Devenir votre « Bitcoin-Self » avec Tomer Strolight-  interview avec John Vallis - Bitcoin Rapid-Fire (2021)- How Bitcoin Changes Your Perception w/ Tomer Strolight -  interview avec John Vallis - Bitcoin Rapid-Fire (2022)Suivez BTC TouchPoint sur le web, Twitter, et YouTube

Fala Carlão conversa com Otmar Josef Muller, Presidente do SindiCeram, o Sindicato das Indústrias de Cerâmica Esmaltada, Gres e Porcelanato pra Construção de Santa Catarina. A prosa aconteceu durante a cerimônia de assinatura do acordo entre as indústrias do setor cerâmico, através da ANFACER, Associação Nacional dos Fabricantes de Cerâmica para revestimentos, louças sanitárias e congêneres e a indústria do setor canavieiro através do APLA, o Arranjo Produtivo Local do Álcool, de Piracicaba, com apoio de outras entidades como Aspacer, SindiCeram e Senai. Fala aí, Müller.

Another episode in a row with a fellow John Mayer fan with whom I have never had an actual real life conversation before! Au Gres is Josh's solo music project, and after seeing them live, I was taken by how overwhelmingly positive the experience was, and the positivity radiating from Josh translated to how he … Continue reading ITN 151 | Au Gres' Josh Kemp (Detroit, MI) →

Cada xoves abrimos unha fiestra para visibilizar proxectos relacionados coa igualdade. Hoxe falamos con Susana García, modista dos Xenerais da Ulla. “No ano 2014 Luis Montáns fixo un curso de confección de traxes de Xenerais e desde aquela foi cando comecei a coser e a formarme nunha academia”. “Empezo en setembro a facer os traxes dos Xenerais, xa teño encargos para o ano que ven. Hai días que me doen moito os dedos de tanto coser”. “Actualmente estou dando citas para despois de marzo, porque non teño sitio para máis traballo de confección”. Susana ten o seu propio taller de confección situado en Santeles, A Estrada. Especialista no deseño, patronaxe e confección de todo tipo de pezas: vestidos, pantalóns, saias, camisas, chaquetas, etc. Arranxos de roupa... Ven de tomar o relevo do mítico xastre Luis Montáns, na confeccións dos tradicionais traxes dos Xenerais da Ulla. O entroido dos Xenerais é privativo da comarca natural da Ulla, en concreto dos concellos de Boqueixón (parroquias de Lestedo e Sergude), A Estrada (Cora, Couso, Paradela, Santa Cristina de Vea e Santeles), Santiago de Compostela (Aríns, Marrozos, O Eixo), Silleda (A Bandeira, Dornelas, Lamela), Teo (Bamonde, Cacheiras, Lucí, Oza, Rarís, Recesende, Reis, Vilariño, Teo), Touro (Bama, Fao, San Xoán de Touro), Vedra (Illobre, San Xián de Sales, Trobe, Vedra e Vilanova), Vila de Cruces (Merza, Piloño, Salgueiros). Tamén se celebra na parroquia padronesa de Carcacía. Antigamente había así mesmo xenerais da ulla noutras parroquias onde hoxe se perdeu a tradición, como San Mamede de Ribadulla e San Miguel de Sarandón en Vedra, Gres e Brandariz en Vila de Cruces e Ledesma en Boqueixón, entre outras. En ningún outro lugar de Galicia, nin que se saiba de España nin de Europa Occidental, hai nada semellante. Máis Información de SUSANA GARCÍA MODISTA: ✔️Facebook: https://www.facebook.com/people/Susana-Garc%C3%ADa-Modista/100066682063859/ ✔️Instagram: https://www.instagram.com/susanagarciamodista/ ☎️ (+34)626615285 https://www.paxinasgalegas.es/susana-garcia-648725em.html Máis Información dos XENERAIS DA ULLA: ✔️ Páxina Web: https://xeneraisdaulla.gal/ ✔️ Facebook: https://www.facebook.com/xeneraisdaulla.entroido ✔️ Twitter: https://twitter.com/xeneraisdaulla ✔️ Instagram: https://www.instagram.com/xeneraisdaulla/ Máis Información da ASOCIACIÓN DE IGUALDADE E MULLERES DA ESTRADA: ✔️Facebook: https://www.facebook.com/profile.php?id=100057569194703 Máis Información de SECRETARÍA XERAL DE IGUALDADE: ✔️ Páxina Web: http://igualdade.xunta.gal/gl ✔️ Facebook: https://www.facebook.com/empregoeigualdadegalicia ✔️ Twitter: https://twitter.com/igualdadegal ✔️ Instagram: https://www.instagram.com/igualdadenarede/ ✔️ YouTube: https://www.youtube.com/user/igualdadexunta ️ "SUSCRÍBETE" ao podcast MÁIS ENTREVISTAS: https://www.ivoox.com/podcast-salta-da-cama_sq_f1323089_1.html Máis Información e outros contidos: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

In this week's episode Greg and Patrick get to explore modern methods for missing data analysis while belaboring quotes from Top Gun with their guest Craig Enders from the University of California at Los Angeles. Craig looks back over the past 20 years of developments in missing data analysis to discuss what has worked, what hasn't worked, and what new methods are available now that we didn't have back then. Along the way they also discuss Sean, Not Sean, going to the movies, grumpy old man mode, wiener boy, grave digger, Venice beach zoom backgrounds, Lie Awake, hung over GREs, Greg's grandmother, shiny objects, Motorola flip phones, Ask Jeeves, talking narwhals, mimeographs, unscrewing yourself, and who can be whose wingman.Stay in contact with Quantitude! Twitter: @quantitudepod Web page: quantitudepod.org Merch: redbubble.com

Assises nationales aujourd'hui [14 octobre, ndlr] et demain au Burkina Faso. Les Forces vives du pays y sont conviées. Ordre du jour, amender et avaliser la Charte de la transition et nommer un nouveau président du Faso. « Pourvu que ce ne soit pas encore un autre rendez-vous manqué », lance, à Ouagadougou, le quotidien Le Pays. Ce journal enjoint en conséquence les participants à ces assises nationales à « sceller un nouveau pacte de patriotisme pour lancer les Burkinabè à l'assaut de l'ennemi ». « Pourvu que ça ne tourne pas en remake des expériences passées », soupire, en écho, L'Observateur Paalga. Ce quotidien burkinabè a encore en mémoire les « assises nationales d'examen des textes et signature de la charte constitutionnelle de la transition » qui se sont tenues le 28 février dernier, où les participants étaient allés « avec les meilleures intentions » pour sauver le Burkina du péril terroriste. D'où l'impression de « déjà-vu et de déjà-entendu », remarque L'Observateur Paalga. ► À lire aussi : Le Burkina Faso en assises nationales pour lancer une nouvelle transition Lequel confrère met en garde, « si ces assises tournent à une foire d'empoigne avec un passage en force d'un clan de copains-coquins, loin des véritables attentes des Burkinabè, il faut craindre que l'histoire continue son bégaiement au pays des Hommes intègres », prévient ce journal ouagalais, en se demandant si le Burkina n'est pas en voie de « somalisation » ou « d'haïtisation », tout en appelant à un « sursaut national » les participants à ces assises nationales qui ont « du pain sur la planche », souligne L'Observateur Paalga. Le PPA-CI, L'an 01 de Gbagbo En Côte d'Ivoire, le PPA-CI, le parti de l'ex-président Laurent Gbagbo, célèbre son premier anniversaire en se félicitant d'être un acteur « majeur » de la vie politique ivoirienne, a souligné, le 13 octobre, à Abidjan, le porte-parole du parti, Justin Koné Katinan, qui apparaît non-seulement, ce matin, à la Une de ces journaux proches de Laurent Gbagbo que sont Le Temps et Le Quotidien d'Abidjan, mais aussi sur celle des quotidiens Dernière Heure Monde, Le Bélier Intrépide et L'Héritage (lesquels sont, eux, proches de l'ex-président Henri Konan Bédié, président du PDCI-RDA, le parti créé par le « père de la Nation » ivoirienne Félix Houphouët-Boigny), ou encore à la Une du quotidien indépendant L'Inter. En un an, ce parti « panafricain de gauche » qui se veut « démocratique et souverainiste », et qui compte déjà 18 députés à l'Assemblée nationale, est devenu « un acteur politique majeur », a souligné Justin Koné Katinan, rapportent ces journaux ivoiriens, et il entend se présenter aux élections « à venir - régionales et municipales de 2023, puis présidentielle de 2025 », en rappelant que le PPA-CI entend à présent être représenté au sein de la Commission électorale indépendante. Échec pour Bolloré face à Mediapart Revers judiciaire pour le groupe Bolloré, enfin, dans un conflit qui l'opposait depuis des années au site d'information Mediapart, au sujet d'une enquête au Cameroun… Plus haute juridiction française, la Cour de cassation a rejeté le pourvoi que le groupe Bolloré avait formé contre Mediapart, signale ce journal en ligne, en soulignant que l'enquête de la journaliste Fanny Pigeaud sur la ruine de deux petits patrons camerounais « dans un contexte où le groupe Bolloré (…) imposait sa puissance aux autorités politiques et judiciaires de Yaoundé », énonce Mediapart, disposait d'une « base factuelle suffisante ». Dans cette affaire, en 2019, Mediapart avait été condamné pour diffamation en première instance, avant d'être relaxé en appel, la Cour d'appel ayant jugé en 2021 l'enquête de Fanny Pigeaud « sérieuse et suffisante ». Mardi dernier, la Cour de cassation a donc confirmé cet arrêt. Définitivement.

Assises nationales aujourd'hui [14 octobre, ndlr] et demain au Burkina Faso. Les Forces vives du pays y sont conviées. Ordre du jour, amender et avaliser la Charte de la transition et nommer un nouveau président du Faso. « Pourvu que ce ne soit pas encore un autre rendez-vous manqué », lance, à Ouagadougou, le quotidien Le Pays. Ce journal enjoint en conséquence les participants à ces assises nationales à « sceller un nouveau pacte de patriotisme pour lancer les Burkinabè à l'assaut de l'ennemi ». « Pourvu que ça ne tourne pas en remake des expériences passées », soupire, en écho, L'Observateur Paalga. Ce quotidien burkinabè a encore en mémoire les « assises nationales d'examen des textes et signature de la charte constitutionnelle de la transition » qui se sont tenues le 28 février dernier, où les participants étaient allés « avec les meilleures intentions » pour sauver le Burkina du péril terroriste. D'où l'impression de « déjà-vu et de déjà-entendu », remarque L'Observateur Paalga. ► À lire aussi : Le Burkina Faso en assises nationales pour lancer une nouvelle transition Lequel confrère met en garde, « si ces assises tournent à une foire d'empoigne avec un passage en force d'un clan de copains-coquins, loin des véritables attentes des Burkinabè, il faut craindre que l'histoire continue son bégaiement au pays des Hommes intègres », prévient ce journal ouagalais, en se demandant si le Burkina n'est pas en voie de « somalisation » ou « d'haïtisation », tout en appelant à un « sursaut national » les participants à ces assises nationales qui ont « du pain sur la planche », souligne L'Observateur Paalga. Le PPA-CI, L'an 01 de Gbagbo En Côte d'Ivoire, le PPA-CI, le parti de l'ex-président Laurent Gbagbo, célèbre son premier anniversaire en se félicitant d'être un acteur « majeur » de la vie politique ivoirienne, a souligné, le 13 octobre, à Abidjan, le porte-parole du parti, Justin Koné Katinan, qui apparaît non-seulement, ce matin, à la Une de ces journaux proches de Laurent Gbagbo que sont Le Temps et Le Quotidien d'Abidjan, mais aussi sur celle des quotidiens Dernière Heure Monde, Le Bélier Intrépide et L'Héritage (lesquels sont, eux, proches de l'ex-président Henri Konan Bédié, président du PDCI-RDA, le parti créé par le « père de la Nation » ivoirienne Félix Houphouët-Boigny), ou encore à la Une du quotidien indépendant L'Inter. En un an, ce parti « panafricain de gauche » qui se veut « démocratique et souverainiste », et qui compte déjà 18 députés à l'Assemblée nationale, est devenu « un acteur politique majeur », a souligné Justin Koné Katinan, rapportent ces journaux ivoiriens, et il entend se présenter aux élections « à venir - régionales et municipales de 2023, puis présidentielle de 2025 », en rappelant que le PPA-CI entend à présent être représenté au sein de la Commission électorale indépendante. Échec pour Bolloré face à Mediapart Revers judiciaire pour le groupe Bolloré, enfin, dans un conflit qui l'opposait depuis des années au site d'information Mediapart, au sujet d'une enquête au Cameroun… Plus haute juridiction française, la Cour de cassation a rejeté le pourvoi que le groupe Bolloré avait formé contre Mediapart, signale ce journal en ligne, en soulignant que l'enquête de la journaliste Fanny Pigeaud sur la ruine de deux petits patrons camerounais « dans un contexte où le groupe Bolloré (…) imposait sa puissance aux autorités politiques et judiciaires de Yaoundé », énonce Mediapart, disposait d'une « base factuelle suffisante ». Dans cette affaire, en 2019, Mediapart avait été condamné pour diffamation en première instance, avant d'être relaxé en appel, la Cour d'appel ayant jugé en 2021 l'enquête de Fanny Pigeaud « sérieuse et suffisante ». Mardi dernier, la Cour de cassation a donc confirmé cet arrêt. Définitivement.

« Il sera resté à peine neuf mois à la tête du Burkina Faso », pointe le site de Libération. « Il », c'est Paul-Henri Sandaogo Damiba, arrivé au pouvoir par un putsch fin janvier. Peu avant 20h TU, hier soir, c'est par d'autres militaires que ce lieutenant-colonel de l'armée a été démis de ses fonctions de président du Burkina Faso, « épilogue d'une journée émaillée de tirs, de barrages militaires et d'incertitude », constatait hier soir en ligne Libération. Pour rappel, des mutins ayant porté à leur tête le capitaine Ibrahim Traoré ont alors annoncé à la télévision publique burkinabè s'être emparé du pouvoir. Pêle-mêle sont tombées les annonces de ce groupe de militaires : dissolution du gouvernement, suspension de la Constitution, fermeture des frontières jusqu'à nouvel ordre, instauration d'un couvre-feu, suspension des activités politiques ou encore convocation des forces vives de la nation en vue de l'adoption d'une nouvelle charte de la transition. Attention, prévenait dans un article republié avant les annonces d'hier soir le site Mondafrique, face à la poussée terroriste, le Burkina Faso est « menacé dans son existence même ». Et ce journal en ligne de reprocher à Paul-Henri Damiba et ses frères d'armes de n'avoir « pas revu les dysfonctionnements de l'armée », et pas davantage « amélioré les conditions des soldats qui s'attendaient pourtant à de profonds changements avec des militaires au pouvoir. Mieux, soulignait Mondafrique, alors que les Burkinabè voient leur pouvoir d'achat divisé par deux, Paul-Henri Damiba et ses frères d'armes qui n'avaient d'autre légitimité que celle qu'ils s'étaient octroyée, ont augmenté leurs salaires ! Les officiers menant la grande vie et roulant dans des 4/4 de luxe flambant neuf pendant que le gros de la troupe se désespère ». Comme un air de Guerre Froide La charge de Vladimir Poutine contre « l'Occident collectif »… Prononcée lors de la cérémonie, à Moscou, de rattachement à la Russie de quatre régions de l'est de l'Ukraine sous contrôle de l'armée russe, elle a vu, en vrac, Vladimir Poutine, hier, accuser les Occidentaux de « chercher à frapper, détruire, disloquer » la Russie. De son argumentaire, le journal Le Parisien a notamment retenu que le maître du Kremlin a notamment dénoncé la remise en cause des « valeurs familiales » russes, le « système néocolonial » que l'Occident voudrait imposer dans son pays, la « russophobie » ou le détournement des cargaisons alimentaires qui passent par les corridors ouverts en Ukraine, dont, selon Vladimir Poutine, « seuls 5% » iraient « réellement aux pays pauvres », relève encore Le Parisien. Diatribe tout sauf du goût du Figaro. En Une, ce quotidien moque « le théâtre de Vladimir Poutine », que n'aurait pas renié Potemkine, ce militaire russe du 18e siècle, favori de l'impératrice, sous les yeux de qui il faisait bâtir de faux villages opulents et paisibles, décors d'opérette destinés à cacher à la souveraine la misère du peuple. Ce quotidien voit donc dans les referendums d'annexion des contrées orientales de l'Ukraine un « habillage » dont le « probable » objectif est de « souder la nation russe derrière le mythe d'une opération de « libération » de « frères » prisonniers d'un régime « nazi ». Cette « mise en scène grandiose du coup de force confirme la propagande à vocation intérieure », estime donc Le Figaro, en soulignant que le président russe « n'est pas naïf au point d'imaginer que son grossier stratagème puisse avoir la moindre valeur aux yeux du monde ». Et en se demandant « jusqu'à quand » les Russes vont être « dupes » de ce théâtre à la Potemkine. Les louves alpha Révélations embarrassées du quotidien Libération dans « l'affaire Bayou », du nom de Julien Bayou, ex-chef du principal parti écologiste français, qui a démissionné lundi dernier, suite à des accusations de violences psychologiques contre son ex-compagne. Depuis trois ans, signale ce quotidien, un « petit groupe de militantes » féministes, se décrivant elles-mêmes comme des « louves alpha », enquêtaient sur le « comportement » de Julien Bayou « avec les femmes ». Comme le regrette Libération, « ces justicières pourraient avoir fait plus de mal que de bien à la cause » qui les unit à ce quotidien.

Yıllar geçtikçe sanayide kullanılan makineler çeşitleniyor ve her toplumsal hadisenin yansımasını gördüğümüz acil servislerde bu durum karşımıza garip ve trajik iş kazaları olarak çıkıyor. Temelde bir yaralanmaya yaklaşımımız, hangi araçla gelişmiş olursa olsun yaranın niteliği ile ilintili olsa da yüksek basınçlı enjeksiyon yaralanmaları basit görünümlerine rağmen yüksek morbidite riskleri ile bu kalıbın biraz dışında kalıyor. Kompressörlerin çalışanlar tarafından da hafife alınması, şakalaşma amacıyla kullanımı ile mortal seyredebilen kolorektal yaralanmalar, özofagus perforasyonları, kulak çevresinden maruziyetle intrakraniyal kanamalara veya ciddi morbitidelerin görüldüğü orbita ve el yaralanmalarına yol açabiliyor. Çoğunlukla sanayi işçilerini ilgilendiren bir yaralanma türü olsa da literatürde bisiklet lastiğine hava doldurmak için kullandığı hava kompressörüne hava yolundan maruziyeti olan 7 yaşında bir çocukta pnömotoraks, pnömoperitonem ve subkutan amfizem görülen bir vaka raporuna da rastlanmaktadır.​1​ Yine başka bir vaka raporu hava kompressörüyle kıyafetini temizlemeye çalışırken hava yolu maruziyetine bağlı ölümle sonuçlanan bir olgudan bahsetmektedir.​2​ Vücudun farklı bölgelerinden kompressör ile yaralanma olguları olsa da en sık non-dominant elde  görülüyor. El yaralanmaları içerisinde nadir sayılabilecek bir kısımdan sorumlu olan yüksek basınç yaralanmaları, küçük giriş yarası nedeniyle kolaylıkla hafife alınabilen ancak çok ciddi morbiditelere neden olabilen önemli bir yaralanma. Yaklaşık 600 el yaralanmasının birinde görülüyor ve genellikle erkek, endüstriyel işçilerde karşılaşılıyor. En sık görülen lokalizasyonu da non-dominant elin indeks parmağı. Bu yaralanmalar yaklaşık %30 gibi ciddi bir oranda ampütasyon gerektiriyor. Yüksek basınç ile yaralanan hastalar kendi yaralanmalarını hafife alma eğiliminde olabiliyor. Özellikle hava ve su kompressörleri ile yaralanmalarda hastaların hastaneye başvuruları gecikiyor. Bu durum ise cilt altı nekroz ile enfeksiyonun ilerlemesine ve daha komplike tabloların ortaya çıkmasına yol açabiliyor. Öte yandan hastane başvurularında da bu yaralanma basit görünümü nedeniyle hafife alınabiliyor. Hatta Weider ve ark.'nın bildirdiğine göre bu hastaların önemli bir çoğunluğu doğru müdahaleye erişene kadar birkaç farklı hekime başvuruyorlar.​3​ PATOFİZYOLOJİ Bu yaralanmanın neden bu denli riskli olduğunu anlamak için önce 3 fazlı patofizyolojisini kavramak gerekiyor. İLK FAZ: MEKANİK ETKİ Bu fazda basıncın doğrudan etkisi ile nörovasküler yapılarda hasar ve kompartman sendromu gelişebiliyor. Normalde 100 psi bir basınç cilt bütünlüğünü bozmak için yeterli ancak yaralanmaların çoğu 2000-10000 psi ile görülmekte. Genellikle ligament, tendon ve nörovasküler yapılarda hasar görülse de osseöz lezyonlar da görülebiliyor. Kullanılan materyal direncin düşük olduğu yolaktan ilerleyerek elden ön kola, dirseğe hatta mediastene kadar ulaşabiliyor.​4​ İKİNCİ FAZ: İNFLAMATUAR YANIT VE KİMYASAL İRRİTASYON İkinci fazın şiddeti ve niteliği kullanılan materyalin çeşidine göre değişiyor. Kompressör yaralanmalarında hava, su, veteriner aşıları, gres, yağ veya su bazlı boyalar, yakıt, plastik, çimento, hidrolik sıvıları, terebentin ve çeşitli organik solventlere maruziyet gelişebiliyor. Özellikle terebentin ve diğer organik solventler sitotoksik özellikleri nedeniyle kötü prognozlu yaralanmalar. Bu kimyasallar yağ dokuda çözünmeye neden olarak likefaksiyon nekrozuna yol açıyor. Gres maruziyetinde ise çok güçlü bir inflamatuar yanıt gelişmiyor ancak kronik granülomatöz lezyonlar daha çok görülüyor. Hava ve su maruziyetleri ise minimal inflamatuar yanıt ve zamanla çözünebilmesi nedeniyle non-operatif yönetime en uygun materyaller olarak karşımıza çıkıyor.​5,6​ ÜÇÜNCÜ FAZ: ENFEKSİYON İlk iki faz ile indüklenen doku nekrozu sekonder enfeksiyonlar için optimal koşulları sağlıyor. Direkt enfeksiyon ajanlarının enjeksiyonu ile de doku enfekte olabiliyor.

WEB: 👉http://bit.ly/32yV8rk TWITTER: 👉@adrihosan FACEBOOK: 👉https://www.facebook.com/Adrihosanceramica/ INSTAGRAM: 👉https://www.instagram.com/adrihosan_tiles/ YOUTUBE: 👉http://bit.ly/2qhwIUy Escucha mi Podcast en Spotify: 👉https://open.spotify.com/show/178u6dXJFDBTsVKEL9YQ8G Escucha mi Podcast en Google Podcast 👉http://bit.ly/2mcfqpL Escucha mi Podcast en Ivoox 👉https://www.ivoox.com/podcast-adrihosan_sq_f1722320_1.html Escucha mi Podacst en iTunes 👉https://apple.co/2qvTAj8 ¿Qué cemento cola utilizar para cada azulejo? Episodio 142 En este episodio os contamos que tipo de cemento cola debéis utilizar para cada tipo de azulejo. No hemos tenido en cuenta el soporte, que eso será tema para otro episodio. A modo de resumen podemos decir que cementos cola utilizar para cada tipo de azulejo: Gres --- cemento cola C1TE Pasta roja, pasta blanca --- cemento cola C1TE Porcelánico --- cemento cola C2TE Extrusionado --- cemento cola C2TE Suelo radiante + porcelánico --- cemento cola C2TE flexible Hasta aquí el programa de hoy, recuerda suscribirte para estar al día de todas nuestras novedades.

Skal me framleis bruke straum frå land for å elektrifisere sokkelen? Spørsmålet skapar strid på Høgre sitt landsmøte som startar laurdag. Hør episoden i appen NRK Radio

♥ Tu étais le seul qui n'a pas abandonné jusqu'à ce qu'il ait conquis mon cœur et la chose la plus mignonne de toutes est que tu continues à le faire tous les jours. Joyeuse Saint-Valentin, mon amour! ♥ A tes côtés je me sens la femme la plus heureuse du monde et je me rends compte que mon cœur était rempli d'un amour pour toi qui grandit et s'approfondit. Félicitations pour notre journée! ♥ Toi seul as le pouvoir de me faire sentir que je peux flotter dans les airs et avec chacun de tes baisers tu me fais toucher le ciel. Joyeuse Saint-Valentin 2022, ma vie! ♥ Cette journée est parfaite pour te montrer à quel point je t'aime, être à tes côtés et te rendre si heureux. Profitons d'une belle Saint-Valentin! " ♥ Si nos chemins se croisent par coïncidence ce n'est pas grave, je sais juste que je t'aime de toute la force de mon cœur et que je t'aimerai pour toujours. L'amour. Le grand, le vrai, celui avec un grand A. L'amour qui transcende, secoue, désarçonne et transporte. Cet amour véritable qui, depuis toujours, a nourri les artistes, de l'écrivain(e) au peintre, du/de la cinéaste au/à la musicien(ne). Et bien que personne ne remette son existence en cause, la notion du « vrai amour » reste ardue à définir. Car rien n'est plus personnel que le sentiment amoureux. Dans ce contexte, difficile donc de vous donner une signification de l'amour vrai, claire et objective. À la place, voici la définition - très personnelle - d'hommes et de femmes qui l'ont expérimenté. L'amour vrai et sincère, qui résiste au temps Pour Emma, architecte bordelaise, le vrai amour, c'est celui qui résiste au temps. Celui qui ne s'explique pas, mais qui chamboule tout sur son passage. « J'ai vécu une relation en pointillé pendant toute ma vingtaine. Lorsque je l'ai rencontré, j'étais en couple. J'ai eu une aventure avec lui, ai sérieusement songé à quitter mon compagnon de l'époque mais suis finalement restée, par crainte de faire une erreur. J'ai coupé les ponts et nous nous sommes retrouvés deux ans plus tard. Cette fois-ci les rôles s'étaient inversés : j'étais célibataire, il était en couple. La situation s'est répétée, puis c'est lui qui a, cette fois-ci, coupé les ponts. Puis, deux ans plus tard, l'histoire se répète à nouveau. Nous sommes alors tous les deux en couple. Il me propose de tout quitter pour partir avec lui. J'ai très sérieusement songé à le suivre, mais je n'ai pas eu le courage de renoncer à mon quotidien, mon confort. Il est aujourd'hui marié. Malgré tout, une partie de moi ne peut s'empêcher de penser qu'on finira un jour par se (re)trouver. Entre nous, c'est un amour qui ne s'explique pas, qui résiste au temps, à l'absence de l'autre. Et qui est toujours aussi fort quand on se retrouve, même après des années de silence. » Le véritable amour existe Marta, institutrice de 36 ans, estime que le vrai amour, c'est celui qui tient bon face aux difficultés de la vie. https://lesen.amazon.de/kp/embed?asin=B07DHTHDGG&preview=newtab&linkCode=kpe&ref_=cm_sw_r_kb_dp_9HM6ACQRTCMNYG4324V3&tag=storeup09-20 ☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆ https://linktr.ee/jacksonlibon ------------------------------------------------------------------------------------------------- #facebook #instagram #amour #couple #couplegoals #famille #relation #doudou #TotalEnergiesAFCON2022 #TeamTunisia #CAN2021 $BTC $ETH #cryptocurrency  #Bitcoin #Ethereum #Avalanche#altcoins #Crypto #NFTs #Avalanche #innovation #CryptocurrencyNews #cashback #YieldFarming #TotalEnergiesAFCON2021 #TeamMali #TUNMLI #teamegypt #afcon2021 #TeamCameroon #youtube #twitter #tiktok #love #reeĺs #shorts #instagood #follow #like #ouy #oyu #babyshark #lilnasx #girl #happybirthday #movie #olive #garden #menu #deviance #autotrader #trading #khan #academy #carter #carguru #ancestry #accords #abc #news #bts #cbs #huru bluebook #socialmedia #whatsapp #music #google #photography #memes #marketing #india #followforfollowback #likeforlikes #a #insta #fashion #k #trending #digitalmarketing #covid #o #snapchat #socialmediamarketing #bhfyp

Pourquoi les gens qui viennent à l'église se comportent mal?Quand nous donnons notre vie au Christ, nous avons cette fausse idée qu'à l'église « Tout le monde il est beau, tout le monde il est gentil ». Quelle désillusion nous expérimentons par la suite…Incompréhensions, disputes, amertume et les plus scandalisés finissent par quitter leur assemblée, tristes et déçus, avec souvent l'impression d'avoir été trompés. La question que beaucoup se posent: mais pourquoi dans les églises les gens se comportent si mal ?https://lesen.amazon.de/kp/embed?asin=B07DHTHDGG&preview=newtab&linkCode=kpe&ref_=cm_sw_r_kb_dp_9HM6ACQRTCMNYG4324V3&tag=storeup09-20☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆https://linktr.ee/jacksonlibon-------------------------------------------------------------------------------------------------#facebook #instagram #amour #couple #couplegoals #famille #relation #doudou #TotalEnergiesAFCON2022 #TeamTunisia #CAN2021 $BTC $ETH #cryptocurrency #Bitcoin #Ethereum #Avalanche#altcoins #Crypto #NFTs #Avalanche #innovation #CryptocurrencyNews #cashback #YieldFarming#TotalEnergiesAFCON2021 #TeamMali #TUNMLI #teamegypt #afcon2021 #TeamCameroon #youtube #twitter #tiktok #love #reeĺs #shorts #instagood #follow #like #ouy #oyu #babyshark #lilnasx #girl #happybirthday #movie #olive #garden #menu #deviance #autotrader #trading #khan #academy #carter #carguru #ancestry #accords #abc #news #bts #cbs #huru bluebook #socialmedia #whatsapp #music #google #photography #memes #marketing #india #followforfollowback #likeforlikes #a #insta #fashion #k #trending #digitalmarketing #covid #o #snapchat #socialmediamarketing #bhfyp

Elle fait partie des apprentissages que le nourrisson, puis l'enfant, va devoir acquérir tout au long de son enfance. En cela, les parents jouent un rôle prépondérant puisque ce sont eux qui vont inculquer les principes fondamentaux qui sous-tendent les relations sociales. Mais à l'âge adulte, il est également possible d'exercer un véritable travail sur soi afin de relever son seuil de "gentillesse". Attention, être gentil ne signifie pas renoncer à ses convictions, ni à ses valeurs. Il s'agit simplement d'adapter son comportement pour le rendre plus agréable aux yeux d'autrui.Trahisons, humiliations, violences... Certaines situations font souffrir et semblent impardonnables, même venant de personnes appréciées. Pourtant, nombre de spécialistes vous diront qu'il faut savoir pardonner, pour notre paix intérieure et notre épanouissement personnel. Nos conseils pour y parvenir.Qu'est-ce que le pardon ?Le pardon a deux sens bibliques : lorsque Dieu pardonne à un homme, il écarte le châtiment prévu pour le péché. Et lorsqu'un homme pardonne à un autre, il annule ses mauvais sentiments à l'égard de celui qui l'a offensé.https://lesen.amazon.de/kp/embed?asin=B07DHTHDGG&preview=newtab&linkCode=kpe&ref_=cm_sw_r_kb_dp_9HM6ACQRTCMNYG4324V3&tag=storeup09-20☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆☆https://linktr.ee/jacksonlibon-------------------------------------------------------------------------------------------------#facebook #instagram #amour #couple #couplegoals #famille #relation #doudou #TotalEnergiesAFCON2022 #TeamTunisia #CAN2021 $BTC $ETH #cryptocurrency #Bitcoin #Ethereum #Avalanche#altcoins #Crypto #NFTs #Avalanche #innovation #CryptocurrencyNews #cashback #YieldFarming#TotalEnergiesAFCON2021 #TeamMali #TUNMLI #teamegypt #afcon2021 #TeamCameroon #youtube #twitter #tiktok #love #reeĺs #shorts #instagood #follow #like #ouy #oyu #babyshark #lilnasx #girl #happybirthday #movie #olive #garden #menu #deviance #autotrader #trading #khan #academy #carter #carguru #ancestry #accords #abc #news #bts #cbs #huru bluebook #socialmedia #whatsapp #music #google #photography #memes #marketing #india #followforfollowback #likeforlikes #a #insta #fashion #k #trending #digitalmarketing #covid #o #snapchat #socialmediamarketing #bhfyp

Falo co novo presidente da Asociación Xenerais do Entroido da Bandeira. Despois de 3 anos dunha xestora, Alberto López Pérez ocupará a presidencia, cun equipo composto por Alberto García Fernández como vicepresidente, Diego Cangas Costa será o tesoureiro. Mariña López Rodríguez ocupará a secretaría, e como vogais Mara Rei Codesido, Adrián Villar Calviño, Diego Rodríguez Bahamonde e Lucrecia Balaguer Blanco. "Intentamos buscar que haxa movemento no pobo e que non se perda a tradición, por eso nós puxemos á fronte da asociación". "Gústanos moito o entroido, non só a festa senón os eventos que hai durante todo o día, tanto os desfiles como o alto dos xenerais". "O director do CEIP Ramón de Valenzuela, José Casal, é unha persoa moi importante para a Bandeira e para o entroido, porque creou moitos xenerais. Dou a coñecer o entroido, tanto a nenos e nenas como ás persoas do pobo". "Levamos varios anos facendo o desfile dos cabezudos, temos que agradecer a Cristina Collazo a súa axuda. Este ano tamén queremos recuperar o día da "vellada" en colaboración cos bares da zona". A primeira documentación que se ten sobre o entroido dos Xenerais da Ulla corresponde ós anos 70 do século XIX. Alfredo Vicenti, ilustre político santiagués, publica a partir de abril de 1875 no xornal El Heraldo Gallego unha serie de artigos titulados “En las orillas del Ulla”. Un deses artigos titúlase “La máscara” e nel narra a formación dunha comparsa de entroido na parroquia de Oca, concello da Estrada. Posteriormente foron moitos os autores que escribiron artigos ou pequenas notas para difundiren esta tradición carnavalesca, entre outros, Bouza Brey, Manuel García Barros, Neira Vilas, González Reboredo, Mariño Ferro, Arca Caldas, Federico Cocho, etc. O entroido dos Xenerais é privativo da comarca natural da Ulla, en concreto dos concellos de Boqueixón (parroquias de Lestedo e Sergude), A Estrada (Cora, Couso, Paradela, Santa Cristina de Vea e Santeles), Santiago de Compostela (Aríns, Marrozos, O Eixo), Silleda (A Bandeira, Dornelas, Lamela), Teo (Bamonde, Cacheiras, Lucí, Oza, Rarís, Recesende, Reis, Vilariño, Teo), Touro (Bama, Fao, San Xoán de Touro), Vedra (Illobre, San Xián de Sales, Trobe, Vedra e Vilanova), Vila de Cruces (Merza, Piloño, Salgueiros). Tamén se celebra na parroquia padronesa de Carcacía. Antigamente había así mesmo xenerais da ulla noutras parroquias onde hoxe se perdeu a tradición, como San Mamede de Ribadulla e San Miguel de Sarandón en Vedra, Gres e Brandariz en Vila de Cruces e Ledesma en Boqueixón, entre outras. En ningún outro lugar de Galicia, nin que se saiba de España nin de Europa Occidental, hai nada semellante. Máis Información XENERAIS DA BANDEIRA: ✔️Facebook: https://www.facebook.com/xeneraisdabandeira ✔️Instagram: https://www.instagram.com/xeneraisdabandeira_/ ✔️YouTube: https://www.youtube.com/user/XeneraisdaBandeira Máis Información XENERAIS DA ULLA: ✔️Páxina Web: https://xeneraisdaulla.gal/ ✔️Facebook: https://www.facebook.com/xeneraisdaulla.entroido ✔️Twitter: https://twitter.com/xeneraisdaulla ✔️Instagram: https://www.instagram.com/xeneraisdaulla/ Youtube: ️ "SUSCRÍBETE" ao podcast MÁIS ENTREVISTAS: https://www.ivoox.com/podcast-salta-da-cama_sq_f1323089_1.html Máis Información e outros contidos: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

Cabochard by Gres (1959) + Silvio Narizzano's Georgy Girl (1966) + Ronald Neame's The Prime of Miss Jean Brodie (1969) with Teddy de Chypre 11/13/2021.s03.ep131   To gain access to the full catalog of TPN content please support us at https://www.patreon.com/perfumenationalist

College admissions tips from a Harvard graduate [Show summary] Julie Kim shares her journey from growing up as an immigrant daughter to obtaining a Master's of Education from Harvard to now operating her own college consulting company. She shares her tips for getting into Harvard despite low test scores.  How following a passion for education led Julie from HGSE to admissions consulting [Show notes] Welcome to the 428th episode of Admissions Straight Talk, Accepted's podcast. Thanks for tuning in. Before we dive into today's interview, I want to mention a free resource at Accepted that can benefit you if you are applying to graduate school. The challenge at the heart of admissions is showing that you both fit in at your target programs and stand out in the applicant pool. Accepted's free download, Fitting In and Standing Out: The Paradox at the Heart of Admissions, will show you how to do both. Master this paradox and you are well on your way to acceptance. You can download the free guide here.  It gives me great pleasure to have on Admissions Straight Talk for the first time, Julie Kim. The daughter of immigrants, Julie admittedly didn't excel in high school. However, using a passion project, she was able to secure acceptance first to USC as an undergrad, and then attended Harvard's Graduate School of Education where she earned her Master's in Education in 2015. She founded Julie Kim Consulting, an undergraduate admission consultancy in 2015 and has grown it ever since. Julie, welcome to Admissions Straight Talk. One question that I had right off the bat was, your undergrad degree was in Business Administration and Marketing. Why the pivot to Education for the Master's? Or was that your plan all along? [1:25] That was my plan all along. As you know, there's not a lot of undergraduate majors that students could take advantage of. At USC in particular, they didn't offer an education major but said they allowed a minor. I thought, well, I want to get into business one day and I feel like this is such an applicable skill set in all industries so that's where I started. Even though I was majoring in business, I continued to participate in education related internships and volunteer work and research. How did you know that you wanted to do education all along? [2:22] I always loved teaching. I remember when I was in third grade, I sat my little brother down and I was like, “I'm going to teach you math.” And he was like, “Okay”, because we're only two years apart. So I always loved teaching, and even with my parents, I would always be explaining to them what's going on in the education world and what is the difference between SAT and ACT. I think I was kind of born with this love for education. You attended USC and majored in Business and Marketing, and then you chose to go to Harvard. Did you take some time off in between, or did you go straight? [3:37] I took a year off to prepare for the graduate admissions process. So a year later. How did you prepare for Harvard? [3:57] Studying for the GRE exams, they're so hard. I was actually at the same time taking another master's program through USC teacher education. I was taking classes at USC and then also studying for GREs and participating in a few research opportunities at USC. Oh, and I was also tutoring on the side to make side income. So just doing a lot of teaching, learning a lot about education during that time. To what do you attribute your acceptance to Harvard? [4:33] I really think my passion is what got me into Harvard. Not just saying that I'm passionate about education, but sharing my vulnerable story. I wasn't trying to show Harvard that I knew everything and that I am this perfect person. Instead I really conveyed where I come from as an immigrant daughter and how I didn't have some resources, but I still made it work. And that vulnerability and authenticity, I think that really made the difference because to be honest,

In Episode 67, Dan Dissinger talks with to Actor, Director, and Board Certified Music Therapist Spencer Frankeberger about adaptability in Music Therapy, how being scared of improv is the best reason to do improv, we discuss systemic ableism in standardized testing from the bar exam to the GREs, and this all somehow ends up inContinue reading "Episode 67: Learning to Adapt with Spencer Frankeberger"

Happy Memorial Day! Alex and Graham celebrate the 99th episode of WireTaps and ask for listeners urgent help in co-crafting episode #100. Our hosts also dig into some really interesting candidacies including a German candidate with 10+ years of experience and two kids who is wondering if she's too old for top schools and if European MBAs will carry the same weight as those in the USA. Alex and Graham also explore a stellar candidate from the PR/communications domain with a possible quantitative weakness. The third featured candidate of this episode presents a bit of a quandary about low GPAs, high GREs, and optional essays that explain such things. This episode was recorded in Paris, France and Cornwall, England. It was produced by the always incredible Dennis Crowley in West Philadelphia. Please remember to rate and review the show, and to send audio clips to celebrate the 100th episode of WireTaps to info@clearadmit.com.

We welcome Dr. Eric Eager of Pro Football Focus into cozy confines of our Thursday Thunderdome, where he's pitted against Chad's pro gambler co-host Simon Hunter, as well as Darren Rovell, one of the most hated men on the internet. Together they engage in a battle of wagers and wits that makes the GREs look like a cereal box puzzle, answering trivia and persuading the host on a series of topics spanning the sports betting world. It's always a good time here in the Thunderdome, so settle in and have some fun! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Conversamos com o Bruno Cesar, historiador, pesquisador e ex-diretor cultural da GRES Unidos do Porto da Pedra, que nos trás a trajetória do time de futebol do bairro de Porto da Pedra até a sua transformação na imponente escola de samba. Compre o livro do Bruno: https://editoramultifoco.com.br/loja/product/orgulho-e-paixao-de-uma-cidade/ Estamos no Twitter: twitter.com/camisaoito Apresentação: Claudio Tadashi Oshiro e Felipe Corvino Produção: Claudio Tadashi Oshiro e Felipe Corvino Música de abertura: Wesley Machado - Oração do Futebol Agradecimento: Rennan Rebello e Bruno Cesar Santos

The LSAT probably isn't the first standardized test to play a role in determining your academic future. From SATs to ACTs to MCATs and GREs, standardized testing is a huge part of the U.S. education system and has been for a long time. But should it be? Does it have to be? And will the COVID-19 pandemic lead to a societal shift away from standardized testing? In this episode, Branden & Jelena branch out beyond the LSAT to talk about . . . How undergraduate programs moved away from standardized testing during the pandemic and why Biases inherent in standardized testing How those biases affect the LSAT, too Alternative ways to assess students The path forward for college admissions in a post-pandemic world . . . Links and further resources from from this week's episode: California leading the nation in diminishing the role of SAT testing: http://lat.ms/2O0WZSZ College Board discontinues SAT optional essays & subject tests: http://cnn.it/2MnCeQE Colleges dropping SAT requirements during the pandemic: http://cnn.it/36wtXki 2013 study of race, poverty, and SAT scores: https://bit.ly/3rcYNXg 2015 study found family income highly correlated with SAT score: http://bit.ly/3pELJJT TestMax Announces Justice in Action Program to Support 1,000 Future Lawyers: https://testmaxprep.com/blog/justice-in-action 33 Common LSAT Flaws, Available Now in Paperback & Kindle Formats: https://www.amazon.com/dp/B08B2KM2Q8/&field-keywords=lsat Start Your BarMax Free Trial Now: https://go.onelink.me/3011142272/d02ba2de Start Your LSATMax Free Trial: https://go.onelink.me/z1Zu/689fb4b4 The Road to 180: The Ultimate Guide to LSAT Prep (free on Kindle unlimited): https://amzn.to/3q4ifp1

durée : 00:49:59 - Les Grandes Traversées - par : Martin Quenehen

durée : 00:50:00 - Les Grandes Traversées - par : Martin Quenehen