Podcasts about historically

The 440 is built by The Kingston Group

Despite all the excitement surrounding the program this week (which is lightly discussed), we have some serious work to do! Today, Alex recalls and discusses the legacy of the first Black quarterback to start a game for Notre Dame...Cliff Brown. What challenges did he (and other Black quarterbacks) face at this time? Historically, and particularly in the early 1970s, this was not an easy proposition across college football.  Together, we can restore Cliff's legacy as one of the most culturally significant players in Irish football history. Enjoy! EDIT: at the approximate 15:30 mark, I mistakenly say that Brown is 'six-foot, 100-pounds'. Since Brown was not actually a twig, he was in reality 'six-foot, 190-pounds'.   

Questions Covered: 18:57 – When did Christians actually start calling it “Christ-mass”? 29:33 – Isn't Christmas originally a pagan holiday for the birth of the Sun? 42:55 – What's the proper name for the nativity scene? 44:29 – Historically, what has the ranking of the Christmas feast been compared to others like Pentecost and Easter? 47:19 – When the shepherds visited Jesus, did they have all their sheep with them? …

What’s another month in a year that’s already had eleven of them? Another turn of the earth, and each of us is another day closer to the solstice, the holidays, 2022, President’s Day, and so many more milestones that are worth noting somewhere. Perhaps not on this installment of Charlottesville Community Engagement, which is intended to capture a few things that happened around the time of December 1, 2021. Charlottesville Community Engagement is a reader-supported publication. To ensure new posts come out as frequently as possible, consider becoming a free or paid subscriber!On today’s show:More details on what happens next in the top executive position in CharlottesvilleThe Albemarle Board of Supervisors seeks patrons for bills on photo-speed camera expansion and more Virginia’s recycling rate increased in calendar year 2020 In today’s first Patreon-fueled shout-out: The Rivanna Conservation Alliance is looking for a few good volunteers for a couple of upcoming events. On Saturday from 10 a.m. to 1 p.m., the RCA will team up with the James River Association to plant trees along the Rivanna River and Town Branch in the Dunlora neighborhood to serve as a riparian buffer. In all, they’re hoping to put in 9 acres of trees. On Sunday, the Rivanna Greenbelt Marathon takes place, and the Rivanna Conservation Alliance is the beneficiary! They’re looking for people to help put on the race. Learn more about both events and the organization at rivannariver.org. COVID updateThe Virginia Department of Health reports that the seven day average for new COVID cases has increased to 1,548 cases a day, and the seven-day percent positivity has increased to 6.7 percent. A month ago on November 1, the percent positivity was 5.5 percent. There were 746 more reported deaths in Virginia in the past month. The Blue Ridge Health District reports an additional 58 new cases today and the seven-day percent positivity is 6.1 percent. There were 26 reported COVID deaths in the health district in November. The Jefferson Madison Regional Library has distributed 631 rapid COVID tests in the past week as part of a pilot program with the Virginia Department of Health. Learn more at jmrl.org. Executive vacancyMarc Woolley will not start today as Charlottesville’s City Manager. Or any other day, for that matter. The former business administrator of Harrisburg, Pennsylvania has opted to not take the position of running the city’s executive functions. The City Council met in closed session for over three hours yesterday to discuss the withdrawal. Charlottesville Mayor Nikuyah Walker addressed the public afterward to say she had known since before Thanksgiving. “On November 21, Mr. Marc Woolley reached out to me,” Walker said. “We had a planned meeting scheduled for early in the week that had been postponed to that day and he informed me that he for personal reasons would not be taking the job in the city of Charlottesville.”Walker said Council tried to get the notice of Woolley’s withdrawal out before the Thanksgiving holiday.“And we were unable to do that and we apologize to the community for that confusion but we did want to give more time than the notification that happened today,” Walker said. “So we have known for a little over a week and this was the first opportunity for us to get together to explore other options and kind of just brainstorm where we are and where we’re headed.” Councilor Heather Hill had a few more glimpses into what happens next.“Council is considering going into a contract with a firm for interim services,” Hill said. “We’re going to be working through with staff on what the best and most efficient process would be for that. We have made no decisions in that matter.”In the meanwhile, Deputy City Managers Ashley Marshall and Sam Sanders will continue to serve with extended duties. Hill said more information about a search firm will be released in two weeks. City Councilor-Elect Juandiego Wade will be sworn into office at on December 15 at 9:30 a.m. on the City Courthouse steps. He’ll be sworn along at the same time as three members of the School Board. City Councilor-Elect Brian Pinkston will be sworn in on December 23 at 10 a.m. on the Courthouse. However, their terms do not officially begin until January 1. Solid waste planningThe recycling rate in Virginia increased in the year 2020, as reported by 71 planning units across the Commonwealth. Of the 11 million tons of municipal solid waste processed, 5.3 million were reported as recycled. “However, some planning units faced recycling challenges due to the COVID 19 pandemic, lack of recycling markets in their regions and difficulty in obtaining recycling information from private businesses,” reads the executive summary of a report generated by the Virginia Department of Environmental Quality. Of that 5.3 million tons, 3.9 million were classified as principal recyclable materials and 1.4 million were in the form of credits. Recyclable materials include: Paper, metal, plastic, glass, commingled materials, yard waste, waste wood, textiles, waste tires, used oil, used oil filters, used antifreeze, inoperative automobiles, batteries, electronics and other.Credits refers to: Recycling residues, solid waste reused, non-MSW recycled (includes construction and demolition material, ash and debris) and source reduction initiatives. Under Virginia code, localities or the regions they are within must develop a solid waste management plan. In this area, the Thomas Jefferson Planning District does that work on behalf of Albemarle, Charlottesville, Greene, and Fluvanna. The towns of Scottsville and Standardsville are also covered by the TJPDC which reports a recycling rate of 41.9 percent. Louisa County runs its own sanitary landfill and is its own solid waste planning unit. They report a recycling rate of 29.5 percent. The Lunenberg County solid waste planning unit reported a 78.8 percent recycling rate, the highest in the state. Lee County in Southwest Virginia reported the lowest at 10.4 percent. Virginia code requires localities to be above 15 percent. The report singles out Arlington County for improving the recycling rate by prohibiting glass from the single-stream recycling system. Instead, Arlington set-up five drop-off locations to ensure glass would not be contaminated by other materials. Over 1,429 tons of clean glass was collected. “The removal of glass from the residential curbside recycling program had the added benefit of boosting the overall value of a ton of the single-stream recycling significantly,” reads the report. To learn more about Arlington’s program, visit their website.On Thursday, the operations subcommittee of Albemarle’s Solid Waste Alternatives Advisory Committee meets.  On the agenda is an update on efforts to increase the market for glass recycling to attract interest from a processing company. I wrote about this topic back in January and will be interested in getting an update. (meeting info)See also:  Group seeks information from beverage producers on glass recycling, January 26, 2021You’re reading Charlottesville Community Engagement, supported in part by subscriber supported shout-outs like this one: The Plant Northern Piedmont Natives Campaign, an initiative that wants you to grow native plants in yards, farms, public spaces and gardens in the northern Piedmont. The leaves have started to fall as autumn set in, and as they do, this is a good time to begin planning for the spring. Native plants provide habitat, food sources for wildlife, ecosystem resiliency in the face of climate change, and clean water.  Start at the Plant Northern Piedmont Natives Facebook page and tell them Lonnie Murray sent you!Legislative prioritiesThe General Assembly convenes six weeks from today. Across Virginia, local officials are seeking ways to get Delegates and Senators to carry specific bills. The Albemarle Board of Supervisors held a meeting on Monday to explain their three legislative priorities. County Attorney Greg Kamptner said the first is a request to allow localities to treat some violations of local ordinance with civil penalties as opposed to being criminally punished. Albemarle wants to be able to establish a schedule of fines that exceed what can be charged now. “The initiative would authorize a schedule of civil penalties of up to $500 for the initial summons, with increasing amounts of up to a total of $5,000 in aggregate under the same operative facts,” Kamptner said. Kamptner said the current penalty of $200 for the first violation and $500 for additional ones is too low.“Those amounts are unchanged since 2007 and the county has found that some zoning violators see those payments as the cost of doing business which prolongs the enforcement process for those localities that have opted to pursue civil penalties,” Kamptner said. Both Delegate Sally Hudson (D-57) and Delegate Rob Bell (R-58) and expressed interested in being a sponsor for that legislation.Albemarle’s second legislative request is to expand the use of photo-speed cameras to enforce violations of the speed limit. The General Assembly passed legislation in 2020 that allow the cameras to be used in highway in highway work zones and school crossing zones. (HB1442) (current state code)“A photo-speed monitoring device is equipment that uses RADAR or LIDAR in speed detection and produces one or more photographs, microphotographs, video tapes, or other recorded images of vehicles,” Kamptner said. “The enabling authority is self-executing. No ordinance is required and local law-enforcement offices can have the devices installed in those zones.”Kamptner said Albemarle would like to be able to use the cameras on rural roads where speeding has been identified as an issue. “The roads would be selected by the governing body based on speeding, crash, and fatality data,” Kamptner said. Delegate Bell said he would want to talk to someone at the Albemarle Police Department before deciding whether to carry the bill. “I’m reading what is drafted and it’s not exactly what is being described by some of the speakers for what they are looking for,” Bell said. Both Delegate Hudson and Delegate Chris Runion (R-25) both said they would also like to hear from law enforcement. Hudson had concerns. “Historically sometimes automated enforcement devices have been disparately positioned throughout communities and might appreciate some language or guardrails in the bill that would require some kind of public analysis about where they’re going to go,” Hudson said. Albemarle’s third legislative request would be to require agricultural buildings at which the public will be invited to conform to the state’s building code. Currently there is no inspection process or minimum standards for barns and other structures where large events might be held. “The use that would be subject to requirements as such having an automatic fire alarm system, emergency lights and exits, panic hardware at all required exit doors, portable fire extinguishers, and a maximum occupancy of 200 persons,” Kamptner said. Albemarle County cannot currently regulate construction of such buildings due to state law, but a 2018 review of building codes for agritourism and businesses suggested such minimum standards would be beneficial to public safety in an era when many of these buildings are used for breweries, wineries, and other destinations. (read the review)“Many people who go to these properties have no idea that these buildings are not expected and that they don’t meet the building code,” said Supervisor Ann Mallek. Delegate Hudson said she would be willing to request the Division of Legislative Services prepare a draft based on this request. Delegate Chris Runion (R-25) had some concerns about unintended consequences of the requirements and suggested there may be another way to address the issue. “The other area I think is probably a new area of conversation is the limit for 200 people,” Runion said. “I thought there was a limit at 300 previously Also at Monday’s meeting: The Thomas Jefferson Planning District puts together a regional legislative program. TJPDC Deputy Director David Blount serves as legislative liaison and says this year’s regional wishlist is very similar to last year’s.  ‘We’ve added some language to support the expansion of allowing the uses of electronic meetings outside of emergency declarations,” Blount said. “I think we’ll see some legislation on that in 2022.”Charlottesville City Council will be presented with the TJPDC legislative program and their own program at their next meeting on December 6. End notes:Thanks to Grace Liz Cerami, Lisa Edge, Lloyd Goad, and Grace Reynolds for their narration assistance in the podcast. Special announcement of a continuing promo with Ting! Are you interested in fast internet? Visit this site and enter your address to see if you can get service through Ting. If you decide to proceed to make the switch, you’ll get:Free installationSecond month of Ting service for freeA $75 gift card to the Downtown MallAdditionally, Ting will match your Substack subscription to support Town Crier Productions, the company that produces this newsletter and other community offerings. So, your $5 a month subscription yields $5 for TCP. Your $50 a year subscription yields $50 for TCP! The same goes for a $200 a year subscription! All goes to cover the costs of getting this newsletter out as often as possible. Learn more here! This is a public episode. Get access to private episodes at communityengagement.substack.com/subscribe

You may not need to invest any marketing dollars in a new Tiktok channel. If you're like Nico Dato, the Executive Vice President of Marketing at Podium, you're thinking about the best ways to not only get the attention that those new well-known channels bring, but also gain the trust of SMBs in order to win them over as clients. But the reality is, there is no right or wrong answer to where you spend your ad budget. The truth is, the only thing that actually matters is what's performing. The channel mix is evolving every day and it's important to think about where your clients are and develop a relationship with them, and second, stay abreast of third-party apps that are emerging as new marketing platforms in the U.S. “We do a ton of trade shows, which is something that not a lot of people do. We do a lot of direct mail. We do radio; we do everything you can imagine. For us, it takes three or four touches on average to get someone's attention in the way that we want. A lot of times that comes from a combination of digital, traditional, radio, print… We're marketing and selling to plumbers, insurance agents, car dealers, and, and people who are out there physically working in the real world all day long. Like what a lot of people don't realize about Podium is, if I'm selling to an HVAC contractor, like most times they're like checking out Podium at like nine 30 at night, because they were fixing air conditioners all day, or unclogging toilets, Making sure we get that right channel mix is critical. [Conversions are] They're not always going to come via Google search.”In this episode of Marketing Trends, Nico and I unpack the best way to grow a team from seven to over 1,000 and peel back the curtain into how Nico has transformed himself from a marketer to a marketing leader. Staying on top of all marketing channels, new and old, is how he stays on the cutting edge. All this next on Marketing Trends. Main TakeawaysHire for People not just for Needs: When you grow and hire, sometimes there will be a temptation to hire quickly, and in your rush, you may be thinking more about hiring candidates who can help stop the bleeding, so to speak. Instead of hiring for the task you need to be done now, you should be hiring the individual who can best contribute to the company overall. Find someone who can grow with the company, that fits into the culture, and it just might take a couple of extra weeks to find them and train them up. Gaining Trust of SMBs: Small and Medium-Sized businesses are usually the subject matter experts in their communities. For example, the dentist is trusted, personally, by the people that he services. That dentist and his front office staff likely aren't marketing experts, and it takes an understanding of the trust that they themselves garner, in order to understand the level of trust you need to build with them. Their business is a passion and they need to know they can trust you to be on their team. Increased Utilization of Third-Party Apps in the US: Third-party communication apps like Whatsapp are being used with ever-increasing frequency in the U.S. which is arguably behind this trend in other countries like Brazil, and Japan. This is a whole new channel for marketers to tap into and add to their mix. Key Quotes“I've been super fortunate to learn on the fly. I didn't necessarily have all of this classical training in how to run a marketing team and how to build a comms function and a product marketing function. I've just been so fortunate that my career has just kind of snowballed. [Going from a marketer to a marketing leader] is a huge transition. When you're an individual contributor, you have control over the destiny of the thing that you own. And it's up to you to work as hard as you want, to strategize as much as you want, to learn from outside sources as much as you want. [Then] all of a sudden you're having to guide a team in doing that one thing that you think you can do really, really well. The secret is that oftentimes they know how to do it much better than you do.”“[The] transition [to leadership] was really hard. I'm not perfect at it by any means, but I think I've grown by way of leadership over the last couple of years. It's a transition that you don't need to make unless you really want to make that jump. t's not easier. There are great career paths in any of these disciplines that don't necessarily mean management.”“[Marketers] are worried about SLS. You're worried about contracts with your customers. You're worried about all of these things. The thing that our CEO has done a really good job of is that, he's tried to keep us focused on the things that matter most. As you're scaling quickly, [identify] the five priorities to align with and get all of the subsequent teams to also align to, in order to make sure that those things are perfect.”“My hiring mantra has always been to hire people, not for the role, but you need to find the right person. I would rather take a longer amount of time finding the right person than having to restart in three months or six months or, or whatever it is. My intent is to find the right person for the role and, and know that the longer-term impact of finding the right person is going to be much greater than filling the short-term need. That may just be a two or three-week difference.” “The one thing that I have found every year becomes more and more surprising -- and probably it shouldn't be a surprise because it continuously happens -- I think that the channel diversification that's happening here in the US and I should be inclusive of Canada, but largely the U.S. is changing. Historically the best way to reach them [was] via email, and then all of a sudden it started to become texts. We are a huge advocate of texting, but what's interesting is we've started to enter the world where consumers are using third-party apps as well to communicate. It's something that you see internationally; you go to Brazil, you might see it with WhatsApp; you go to Japan, you might see it with Line, and et cetera. The data shows in [our] report, 40% or something similar, are starting to use third-party apps on a daily basis to communicate with one another. It's a huge opportunity for brands. There's channel diversification that's happening, and you should take advantage of that.”“At the top of the funnel, we work to try and be everywhere and show that we are honed in, on local business for these businesses. It's why we do a ton of trade shows. We do a ton of trade publications. We do a lot of display advertisements or radio advertisements. A lot of times they just want to know you're legitimate. The hardest thing for local businesses is getting their trust; they've been burned so many times because they are so vulnerable. It's really important to us to make sure they know that we're going to be a partner to them. It's hard to do and there's not one answer that solves all.”BioNico Dato is the EVP of Marketing for Podium, the leading interaction management platform that enables companies with a local presence to conveniently connect at critical touchpoints and help them strengthen their business. Dato grew up in Bountiful, Utah, and attended the University of Utah, where he graduated in 2013 with a degree in economics. Prior to Podium, Dato helped run demand generation at Teleperformance and then managed Zane Benefits' marketing team.After joining Podium in 2015, he assisted in taking the company through Y Combinator in 2016 - becoming one of the highest revenue-generating companies ever to attend the accelerator. As a part of the executive team, he has also helped secure funding from IVP, Accel, GV (formerly Google Ventures), and Summit Partners. In his free time, Dato enjoys golfing and spending time with his wife, Rachel, and daughter, Penelope.---Marketing Trends podcast is brought to you by Salesforce. Discover marketing built on the world's number one CRM: Salesforce. Put your customer at the center of every interaction. Automate engagement with each customer. And build your marketing strategy around the entire customer journey. Salesforce. We bring marketing and engagement together. Learn more at salesforce.com/marketing.

Throughout the season, Land-Grant Holy Land will be bringing you uncut audio primarily from Ohio State press conference, but also from individual interview sessions. In addition to this week's Bucketheads episode coming out on Thursday, we also have the full post-game press conference following Ohio State's 71-66 upset victory over the No. Duke Blue Devils. Historically a slow-moving team, Ohio State tried to control the pace early on, and the scoring in the first half reflected that. At the under-8 timeout, Duke led 27-19, with seven different Blue Devils already in the scoring column. The Buckeyes were doing a fairly good job at limiting Banchero early on, but Duke's supporting cast around him is probably the most talented in the nation. Duke held a 43-30 lead at halftime following a 7-0 run right before halftime. Banchero got it going after a slow start, racking up 10 first-half points. Key led Ohio State with nine points in the opening frame, but the true story of the first 20 minutes were the turnovers — Ohio State had nine of them in the first half alone. The Buckeyes were also whiffing at the free throw line, going 3-for-10 in the first half. Duke tried to open it up in the second half, but Ohio State just would not let them. After building a 15-point lead early in the second stanza, the Buckeyes scratched and clawed back into it, taking the lead with 1:03 remaining in the game. Cedric Russell had his coming out party, scoring 12 points. After Liddell's jumper with 15 seconds remaining gave them a three-point lead, the comeback was complete. Ohio State slayed the giant, David finished off Goliath, and the Buckeyes beat the No. 1 team in the country in their second straight attempt. The Buckeyes were led by Key's career-high 20 points, but Liddell and Russell both chipped in double digits as well. Duke was led by Moore's 17 points and 8 rebounds. Connect with Connor: Twitter: @lemons_connor Theme music provided by www.bensound.com  Learn more about your ad choices. Visit podcastchoices.com/adchoices

To quote Led Zeppelin,”The Song Remains the Same!” This great earnings season we've been experiencing continues, with companies experiencing their best performance in 7 years. In addition,the status quo is likely going to continue as we see Jerome Powell renominated as the Federal Reserve Chairman. That means interest rates are likely to increase next year. And that will have an opposite impact on the bond markets.  Going into the last month of the year, what does all this mean for your investments? We'll break it down on this episode. And in this episode's “Tipping Point” segment… you've been saving your money diligently, but what are you doing with it? We're going to outline the things you might be doing wrong when it comes to your savings, so be sure to listen!  You will want to hear this episode if you are interested in... Jerome Powell is renominated: a hawk or a dove… or maybe a turkey? [1:16] When the supply chain is repaired, inflation is going to go down [4:01] Is gold really an inflation hedge? No, but there are other great options like oil [7:55] The Tipping Point: Mistakes investors are making with their savings [11:59] Hidden Facts of Finance [18:06] Inflation is increasing while yields are low… how does that work? The biggest math we're seeing right now has to do with inflation. Inflation is running at 6% and yields are running at 1.7%. That can't remain as it is. Interest rates are going to have to move higher, so we suspect there will be an increase in rates… so be careful with your bond portfolio because bond rates go down when interest rates go up. Historically, bond rates go up to keep pace with inflation but it's trailing, so you need to be careful. In fact, Bob says the most important thing in your life as an investor is, “Don't own a bond fund!” But that's not the whole story… we've got more to say, so listen to get the full story.  This week on the tipping point: Mistakes you're making with your savings Most of our clients and the people we talk to are diligent about saving, but are they doing the right things WITH that hard-earned money they're stashing away? Not always. Here are the three biggest mistakes we see… Many savings plans include far too much cash. It's a big problem because of inflation. Speculative investments are incredibly risky. Always have been, and always will be. Most people are not taking advantage of the tax benefits available to them. This week's hidden facts of finance The National Retail Federation estimates a 9.5% increase in spending this Nov./Dec. Gold is only a reputation hedge reputationally, not statistically. Stocks deliver regardless of whether inflation is high or low (the real inflation hedge). Chinese personal wealth is leaping 77-fold to $120 Trillion. Resources & People Mentioned See if you qualify for a complimentary financial review from the Paynes Connect With Ryan, Bob, and Chris http://PayneCM.com  Follow on Twitter Follow on Facebook Follow on LinkedIn Subscribe on YouTube Follow on Instagram Subscribe to Payne Points of Wealth On Apple Podcasts, On Google Podcasts, On Spotify

Of all the industries disrupted by NFTs and Web3 tech, Music has been the most up-ended. It's no surprise why. Historically, the music artists themselves have found themselves in disproportionate arrangements with their labels and managers. NFTs allow musicians to speak directly with their audiences and reap their fair share of benefits. Today, Bobby hears from Pussy Riot and Latashá on how NFTs are revolutionizing the music industry. We're later joined by 3LAU who is a true pioneer in Music NFTs, having first attacked the space in 2017.

On this weeks episode of The Baseball Insiders, Robert and Mark discuss the latest on Max Scherzer, the flurry of starting pitchers signing, the Texas Rangers' moves and what is coming next, Kris Bryant and the Mariners, and what else might be coming in the busiest 48-hour stretch in free agent history. See omnystudio.com/listener for privacy information.

Recorded by Robert Miles: http://robertskmiles.com More information about the newsletter here: https://rohinshah.com/alignment-newsletter/ YouTube Channel: https://www.youtube.com/channel/UCfGGFXwKpr-TJ5HfxEFaFCg   HIGHLIGHTS Collaborating with Humans without Human Data (DJ Strouse et al) (summarized by Rohin): We've previously seen that if you want to collaborate with humans in the video game Overcooked, it helps to train a deep RL agent against a human model (AN #70), so that the agent “expects” to be playing against humans (rather than e.g. copies of itself, as in self-play). We might call this a “human-aware” model. However, since a human-aware model must be trained against a model that imitates human gameplay, we need to collect human gameplay data for training. Could we instead train an agent that is robust enough to play with lots of different agents, including humans as a special case? This paper shows that this can be done with Fictitious Co-Play (FCP), in which we train our final agent against a population of self-play agents and their past checkpoints taken throughout training. Such agents get significantly higher rewards when collaborating with humans in Overcooked (relative to the human-aware approach in the previously linked paper). In their ablations, the authors find that it is particularly important to include past checkpoints in the population against which you train. They also test whether it helps to have the self-play agents have a variety or architectures, and find that it mostly does not make a difference (as long as you are using past checkpoints as well). Read more: Related paper: Maximum Entropy Population Based Training for Zero-Shot Human-AI Coordination Rohin's opinion: You could imagine two different philosophies on how to build AI systems -- the first option is to train them on the actual task of interest (for Overcooked, training agents to play against humans or human models), while the second option is to train a more robust agent on some more general task, that hopefully includes the actual task within it (the approach in this paper). Besides Overcooked, another example would be supervised learning on some natural language task (the first philosophy), as compared to pretraining on the Internet GPT-style and then prompting the model to solve your task of interest (the second philosophy). In some sense the quest for a single unified AGI system is itself a bet on the second philosophy -- first you build your AGI that can do all tasks, and then you point it at the specific task you want to do now. Historically, I think AI has focused primarily on the first philosophy, but recent years have shown the power of the second philosophy. However, I don't think the question is settled yet: one issue with the second philosophy is that it is often difficult to fully “aim” your system at the true task of interest, and as a result it doesn't perform as well as it “could have”. In Overcooked, the FCP agents will not learn specific quirks of human gameplay that could be exploited to improve efficiency (which the human-aware agent could do, at least in theory). In natural language, even if you prompt GPT-3 appropriately, there's still some chance it ends up rambling about something else entirely, or neglects to mention some information that it “knows” but that a human on the Internet would not have said. (See also this post (AN #141).) I should note that you can also have a hybrid approach, where you start by training a large model with the second philosophy, and then you finetune it on your task of interest as in the first philosophy, gaining the benefits of both. I'm generally interested in which approach will build more useful agents, as this seems quite relevant to forecasting the future of AI (which in turn affects lots of things including AI alignment plans).   TECHNICAL AI ALIGNMENT LEARNING HUMAN INTENT Inverse Decision Modeling: Learning Interpretable Representations of Behavior (Daniel Jarrett, Alihan Hüyük et al) (summarized by Rohin): There's lots of work on learning preferences from demonstrations, which varies in how much structure they assume on the demonstrator: for example, we might consider them to be Boltzmann rational (AN #12) or risk sensitive, or we could try to learn their biases (AN #59). This paper proposes a framework to encompass all of these choices: the core idea is to model the demonstrator as choosing actions according to a planner; some parameters of this planner are fixed in advance to provide an assumption on the structure of the planner, while others are learned from data. This also allows them to separate beliefs, decision-making, and rewards, so that different structures can be imposed on each of them individually. The paper provides a mathematical treatment of both the forward problem (how to compute actions in the planner given the reward, think of algorithms like value iteration) and the backward problem (how to compute the reward given demonstrations, the typical inverse reinforcement learning setting). They demonstrate the framework on a medical dataset, where they introduce a planner with parameters for flexibility of decision-making, optimism of beliefs, and adaptivity of beliefs. In this case they specify the desired reward function and then run backward inference to conclude that, with respect to this reward function, clinicians appear to be significantly less optimistic when diagnosing dementia in female and elderly patients. Rohin's opinion: One thing to note about this paper is that it is an incredible work of scholarship; it fluently cites research across a variety of disciplines including AI safety, and provides a useful organizing framework for many such papers. If you need to do a literature review on inverse reinforcement learning, this paper is a good place to start. Human irrationality: both bad and good for reward inference (Lawrence Chan et al) (summarized by Rohin): Last summary, we saw a framework for inverse reinforcement learning with suboptimal demonstrators. This paper instead investigates the qualitative effects of performing inverse reinforcement learning with a suboptimal demonstrator. The authors modify different parts of the Bellman equation in order to create a suite of possible suboptimal demonstrators to study. They run experiments with exact inference on random MDPs and FrozenLake, and with approximate inference on a simple autonomous driving environment, and conclude: 1. Irrationalities can be helpful for reward inference, that is, if you infer a reward from demonstrations by an irrational demonstrator (where you know the irrationality), you often learn more about the reward than if you inferred a reward from optimal demonstrations (where you know they are optimal). Conceptually, this happens because optimal demonstrations only tell you about what the best behavior is, whereas most kinds of irrationality can also tell you about preferences between suboptimal behaviors. 2. If you fail to model irrationality, your performance can be very bad, that is, if you infer a reward from demonstrations by an irrational demonstrator, but you assume that the demonstrator was Boltzmann rational, you can perform quite badly. Rohin's opinion: One way this paper differs from my intuitions is that it finds that assuming Boltzmann rationality performs very poorly if the demonstrator is in fact systematically suboptimal. I would have instead guessed that Boltzmann rationality would do okay -- not as well as in the case where there is no misspecification, but only a little worse than that. (That's what I found in my paper (AN #59), and it makes intuitive sense to me.) Some hypotheses for what's going on, which the lead author agrees are at least part of the story: 1. When assuming Boltzmann rationality, you infer a distribution over reward functions that is “close” to the correct one in terms of incentivizing the right behavior, but differs in rewards assigned to suboptimal behavior. In this case, you might get a very bad log loss (the metric used in this paper), but still have a reasonable policy that is decent at acquiring true reward (the metric used in my paper). 2. The environments we're using may differ in some important way (for example, in the environment in my paper, it is primarily important to identify the goal, which might be much easier to do than inferring the right behavior or reward in the autonomous driving environment used in this paper). FORECASTING Forecasting progress in language models (Matthew Barnett) (summarized by Sudhanshu): This post aims to forecast when a "human-level language model" may be created. To build up to this, the author swiftly covers basic concepts from information theory and natural language processing such as entropy, N-gram models, modern LMs, and perplexity. Data for perplexity achieved from recent state-of-the-art models is collected and used to estimate - by linear regression - when we can expect to see future models score below certain entropy levels, approaching the hypothesised entropy for the English Language. These predictions range across the next 15 years, depending which dataset, method, and entropy level is being solved for; there's an attached python notebook with these details for curious readers to further investigate. Preemptly disjunctive, the author concludes "either current trends will break down soon, or human-level language models will likely arrive in the next decade or two." Sudhanshu's opinion: This quick read provides a natural, accessible analysis stemming from recent results, while staying self-aware (and informing readers) of potential improvements. The comments section too includes some interesting debates, e.g. about the Goodhart-ability of the Perplexity metric. I personally felt these estimates were broadly in line with my own intuitions. I would go so far as to say that with the confluence of improved generation capabilities across text, speech/audio, video, as well as multimodal consistency and integration, virtually any kind of content we see ~10 years from now will be algorithmically generated and indistinguishable from the work of human professionals. Rohin's opinion: I would generally adopt forecasts produced by this sort of method as my own, perhaps making them a bit longer as I expect the quickly growing compute trend to slow down. Note however that this is a forecast for human-level language models, not transformative AI; I would expect these to be quite different and would predict that transformative AI comes significantly later. MISCELLANEOUS (ALIGNMENT) Rohin Shah on the State of AGI Safety Research in 2021 (Lucas Perry and Rohin Shah) (summarized by Rohin): As in previous years (AN #54), on this FLI podcast I talk about the state of the field. Relative to previous years, this podcast is a bit more introductory, and focuses a bit more on what I find interesting rather than what the field as a whole would consider interesting. Read more: Transcript   NEAR-TERM CONCERNS RECOMMENDER SYSTEMS User Tampering in Reinforcement Learning Recommender Systems (Charles Evans et al) (summarized by Zach): Large-scale recommender systems have emerged as a way to filter through large pools of content to identify and recommend content to users. However, these advances have led to social and ethical concerns over the use of recommender systems in applications. This paper focuses on the potential for social manipulability and polarization from the use of RL-based recommender systems. In particular, they present evidence that such recommender systems have an instrumental goal to engage in user tampering by polarizing users early on in an attempt to make later predictions easier. To formalize the problem the authors introduce a causal model. Essentially, they note that predicting user preferences requires an exogenous variable, a non-observable variable, that models click-through rates. They then introduce a notion of instrumental goal that models the general behavior of RL-based algorithms over a set of potential tasks. The authors argue that such algorithms will have an instrumental goal to influence the exogenous/preference variables whenever user opinions are malleable. This ultimately introduces a risk for preference manipulation. The author's hypothesis is tested using a simple media recommendation problem. They model the exogenous variable as either leftist, centrist, or right-wing. User preferences are malleable in the sense that a user shown content from an opposing side will polarize their initial preferences. In experiments, the authors show that a standard Q-learning algorithm will learn to tamper with user preferences which increases polarization in both leftist and right-wing populations. Moreover, even though the agent makes use of tampering it fails to outperform a crude baseline policy that avoids tampering. Zach's opinion: This article is interesting because it formalizes and experimentally demonstrates an intuitive concern many have regarding recommender systems. I also found the formalization of instrumental goals to be of independent interest. The most surprising result was that the agents who exploit tampering are not particularly more effective than policies that avoid tampering. This suggests that the instrumental incentive is not really pointing at what is actually optimal which I found to be an illuminating distinction.   NEWS OpenAI hiring Software Engineer, Alignment (summarized by Rohin): Exactly what it sounds like: OpenAI is hiring a software engineer to work with the Alignment team. BERI hiring ML Software Engineer (Sawyer Bernath) (summarized by Rohin): BERI is hiring a remote ML Engineer as part of their collaboration with the Autonomous Learning Lab at UMass Amherst. The goal is to create a software library that enables easy deployment of the ALL's Seldonian algorithm framework for safe and aligned AI. AI Safety Needs Great Engineers (Andy Jones) (summarized by Rohin): If the previous two roles weren't enough to convince you, this post explicitly argues that a lot of AI safety work is bottlenecked on good engineers, and encourages people to apply to such roles. AI Safety Camp Virtual 2022 (summarized by Rohin): Applications are open for this remote research program, where people from various disciplines come together to research an open problem under the mentorship of an established AI-alignment researcher. Deadline to apply is December 1st. Political Economy of Reinforcement Learning schedule (summarized by Rohin): The date for the PERLS workshop (AN #159) at NeurIPS has been set for December 14, and the schedule and speaker list are now available on the website. FEEDBACK I'm always happy to hear feedback; you can send it to me, Rohin Shah by replying to this email. PODCAST An audio podcast version of the Alignment Newsletter is available. This podcast is an audio version of the newsletter, recorded by Robert Miles (http://robertskmiles.com). Subscribe here:

Pass rush specialist Chuck Smith joined Dukes & Bell for his weekly appearance as he gave the guys his ballers and busters for the weekend that was, and why this pass rush for the Falcons could be historically bad. See omnystudio.com/listener for privacy information.

The French bulldog is now the second most popular breed in America. Their cute features, portable size, and physical features make for a dog that can easily travel and doesn't require a lot of exercise. But these characteristics sometimes have a detrimental effect on the dog's health. Tove K. Danovich writes "Rather than requiring human owners to change their lives to accommodate a new dog, the French bulldog is a breed that's been broken to accommodate us."Historically, dogs were bred for functional reasons, not aesthetics. But evaluating a breed based on how they accomplish a task is tricky, leading to the rise of visual standards more easily judged. As breed standards were formalized, purebred dogs grew in popularity and became a luxury of sorts; but with a limited genetic pool, this popularity naturally led to a lot of inbreeding to maintain breed consistency.Cute Little Monstrosities of Nature

We're back for Season 6 of the #WorkBold Podcast! Caleb Parker, Founder of Bold, is back to challenge the status quo in commercial real estate on the only podcast in the world dedicated to the future asset class called Space-as-a-Service (SPaaS). Now downloaded in over 50 countries, this season includes a few featured episodes recorded on Caleb's trip to Canada, as well as other episodes with leading experts in commercial real estate from around the world.  Resource Links: TSK Insights: https://tskgroup.co.uk/insights-and-articles/  Bold expands to Manchester: https://allwork.space/2021/11/bold-to-unveil-manchester-space-as-a-service-community-as-demand-for-flexible-space-soars/ Future of CRE VIDEO 1 by Sam Gamble: https://www.linkedin.com/posts/sam-gamble-cloudworks_were-at-the-20-month-mark-of-a-worldwide-activity-6863999951257645056-l6fh Future of CRE VIDEO 2 by Sam Gamble: https://www.linkedin.com/posts/sam-gamble-cloudworks_workbold-activity-6866183962713296896-e1Gm CBRE Research on hybrid work: https://www.cbre.com/insights/articles/how-hybrid-work-will-transform-our-workplaces  Don't have time to listen? (Read the transcript of this trailer below)   Welcome back to the WorkBold podcast  Where we chat with the leaders in commercial real estate to answer all questions Space-as-a-service. This podcast is for anyone involved in commercial real estate in any way. If you're an investor, fund manager, developer, property manager, agent or broker, be sure to subscribe so you don't miss an episode. I'm your host, Caleb Parker, and you're listening to a preview of season 6. Over the next 10 weeks we'll drop a new episode with the leading experts in commercial real estate sharing insights to help office investors operators AND customers understand how to win in the #FutureOfWork. We have a solid lineup, including office customers like Twitter, Sensei Labs, the infamous John Ruffulo (the leading venture capitalist in Canada) and many more. If you're tuning in for the first time, I am Caleb Parker, Founder of Bold, the Space-as-a-Service brand for entrepreneurs and innovators, and as part of the NewFlex family of brands we're merging property management & Space-as-a-Service to drive asset value and help office customers grow faster. You may have seen we just announced our first Bold community in Manchester, England. This takes our group portfolio to 1 million 35,000 sqft under management in partnership with some of the world's most forward thinking asset managers. I'm personally super excited to support & champion entrepreneurs in Manchester who are making a positive impact on the world. This season has started later than I wanted it to. Partly because of some of the deals I've been working on have taken a lot of attention. Combined with the fact that over the last couple months I've traveled to France twice, Germany, Poland, Sweden, Canada, the Maldives (for a cheeky holiday) and Manchester multiple times (naturally), I have to admit it's been a challenge.  But with challenges come opportunities, and while I was in Canada for meetings I was able to record a couple podcasts face to face for the first time since the pandemic began. That was fun! So what are we talking about in Season 6? I won't spoil all the surprises, but let me share the following: We're now in The age of #SpaceAsAService  Offices have been evolving since their inception, and we're seeing significant demand for bigger changes today. FACT Many of us no longer have to be inside an office building 5 days each week to generate stellar results. My friend, office developer & landlord, Sam Gamble says "The binary choice between work from home (#WFH) and work from the office is a false dichotomy." That's a quote from 1 of Sam's 2 brilliant videos on the future of CRE. I love Sam's quote because as I've said before, the future is about the + The best office assets going forward will cater to this reality and be much more dynamic than the static white boxes currently on the market. The [repurposed] office has a crucial role to play as a tool in the platform of work. (And it doesn't feel like a return to the past) WELCOME TO THE AGE OF SPACE-AS-A-SERVICE ✅ Where inclusive cultures thrive (no matter how distributed a company is) ✅ Where Team members enjoy impromptu collaboration (online ➕ in person) ✅ Where Junior team members benefit from knowledge transfer, even if the boss is on the golf course (because of asynchronous support) ✅ Where Customers are hosted at offices that work as windows to a company's business culture and ethos (because of the real estate brands they choose to do business with) ✅ Where Everyone feels taken care of because they can tap into the hospitality & service they need (on-demand) PLUS NOT VERSUS According to a research by CBRE 87% of large companies with 10,000 or more employees say they will be adopting hybrid work “Companies that successfully adopt hybrid work have the potential to create more productive workplaces, embrace flexibility and retain valuable talent.” Historically, companies have averaged around 65% in total space utilization. Someone with an assigned space at an office was likely present about two-thirds of the time, accounting for vacation, sick days, business travel and other events.  But in this research paper, CBRE predicts this number will likely approach 75-80% as companies see more people using shared assets or more people using less directly held space. That dynamic will reduce the need to hold vacant space in reserve. I keep saying The future of work = the future of CRE So what does this mean for commercial real estate? Call me biased, but I believe nearly every asset manager should be bringing in flex with hospitality & service to support these new ways of working, and to complement traditional leasing strategies. The successful building of the future will deploy the 5 Pillars of Space-as-a-Service  Don't know what the 5 Pillars are? Well, reach out to me and let's have a chat.   Before I conclude this trailer I have something else to share with you. Every since season 2 of this podcast we've had various companies approach us offering to pay for advertisements on the episodes. We've politely declined because that's not the purpose of the podcast. I am committed to keeping our focus on discussing all things Space-as-a-Service and sharing creative ideas that will help our industry lean into the future,, because as you've just heard, I believe SPaaS is the future of our industry. With that said, I believe in challenging the status quo. What if we said yes to a sponsor or advertiser, IF (and that's a big IF) if any advertisement had to contribute to the sharing of creative ideas that this podcast is known for.  Could we create something that synchronized naturally throughout our episodes.  Or would it be a distraction?  So we're going to challenge the status quo of our own podcast, and test something new. We're going to weave in some advertisements into the episodes this season, but they'll just be more creative ideas that you can benefit from. I'd love your feedback on how we're doing. So with that preamble,  I'd like to announce TSK as the headline sponsor for Season 6. I've gotten to know TSK well over the last couple years and I've been inspired by their approach to workplace design and consultancy -  and there is a lot of alignment in how we both think about putting the customer at the centre of the universe. So when the idea of sharing some of their insights regularly throughout the season was discussed I got excited. If you don't know them already, TSK creates super cool and inspiring workplaces for some of the world's biggest brands across the UK and Ireland. They've been working for 25 years to deliver the best employee experiences and the vision of their clients. Not only do they create great places to work, TSK also share workplace content every week, from the latest data - to inspiring spaces they've designed and built. You can read their latest insights at www.tskgroup.co.uk or check out their LinkedIn and Instagram pages for inspiration like I do. Thank you for listening to this Season 6 intro, we have a great season ahead with a focus on the office customer, infinite mindsets, company culture, the changing demand for offices, and more expert discussion on Space-as-a-Service. Don't forget to subscribe in iTunes, or your preferred podcast listening app. And remember, Fortune Favours the Bold.  

The Utah Jazz have the #1 offense in the NBA by a considerable amount. How are they doing this? First the idea they aren't making shots is inaccurate they are just making different shots. They are also doing everything right around the fringes and those things add up. David Locke, radio voice of the Utah Jazz and Jazz NBA Insider brings you the daily podcast on the Utah Jazz, Locked On Jazz, Now live each morning on You Tube Rudy Gay's impact on the Jazz is clear after two games and the biggest benafactor maybe Joe Ingles. Then it is trend Monday and we look at the whole NBA and where things are trending Learn more about your ad choices. Visit podcastchoices.com/adchoices

TakeawaysThe word "turkey" is a broadway term that describes a show with a lot of previews but later underperforms based on quality. Historically this had to do with increased tourism around the holiday period, making it lucrative to have more shows at the end of the year.Our team applies the term "turkey" to marketing in this episode, reviewing this year's most significant marketing flops. We asked our agency for their opinions, and the following campaigns were submitted.Notable mentionsBalenciaga released sweatpants that had boxers sewn into the inside that made them look like sagging pants. The United States' history of police shooting black men with saggy pants brings to question the ethics of the wealthy capitalizing on this style.That's why we need to take more time to research the history of the products we develop. So much time goes into product development already; this additional step would be a drop in the bucket comparatively.From a more lighthearted perspective, the oatly SuperBowl ad polarized audiences – some loved it, and some hated it.Bud light has been chasing the seltzer craze and now has taken it a step or two too far with eggnog flavored seltzer.The not-so-fresh turkeySubway has lost popularity amongst consumers and released a new campaign to increase sales. The "Eat Fresh, Refresh" campaign boasted a refreshed menu but offered little information on the changes and availability of new products across locations.The issue is that the definition of fresh has changed over the past ten years. Their current menu – which has the same ingredients as before – no longer meets modern standards for freshness. They have, however, reported increased sales which could be attributed to the campaign or a pandemic rebound.The tweet you can't take backOn International Women's Day, Burger King UK announced a program to address gender disparities in the restaurant industry by building a scholarship program for female employees. The idea itself was great, but the execution was not thoughtful (and cringeworthy).They announced the scholarship by tweeting "women belong in the kitchen," providing context only in the tweet's thread, which obscured critical context for the tweet.Our team expressed that Burger King UK should have chosen a different platform than Twitter to offer audiences more immediate context for the jarring statement.To avoid this sort of mishap, marketers need to present campaigns to stakeholders in the same way their audience will experience the campaign. For example, a conference room audience may experience concepts differently if presented in a pitch deck. The algorithm gone wrongChris helped his dad sell his townhome this summer using Zillow's Offer tool. The tool gives an estimate for how much the house was worth pending inspection. Zillow purchased the home for the Zestimate price, but the listing price had been cut by close to $50,000 a few months later.Chris' experience is symptomatic of Zillow's inaccurate Zestimate tool. The business made a significant bet on the power of its data and the ability of an algorithm to predict which homes are worth buying and flipping to sell for profit.Zillow, after significant losses over the past few years, ended this house-buying initiative.The future is AI and algorithm-driven, but the technology isn't where it needs to be quite yet. Placing that much money on an algorithm is very risky given the lacking maturity of current technology.

What's the Halacha: Can a child be thrown out of school because of a parent switching affiliations? Is there an obligation to the child, or is a Yeshivah like any other private corporation that can do what it wants? Can a wife be fired because of her husband's actions? If parents sign a document not to change affiliations is it binding on the child? How much damage is caused to a child when he/she is thrown out of school? Historically, what effect does a Chassidus splitting have on family structure? with Rabbi Zalman Graus – Renowned Dayan, Toein, and Mechaber Seforim – 14:05 with Yair Bruck Labor and Employment attorney – 41:19 with Rabbi Berel Wein - renowned Rov, Author, Historian and Lecturer - 56:10 with Yehuda Geberer – Noted Jewish Historian, Jewish History Soundbites podcast  – 1:00:46 with Mordechai Weinberger LSW - Well known Social Worker and Columnist – 1:21:19 מראי מקומות  

Following another disappointing loss by the Vancouver Canucks, Mike and Jason dive in on the team's biggest issues including but not exclusive to the disappearance of Elias Pettersson's game.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate.

On today's show we're talking about rent growth. There are rising rents in many submarkets. For those who own their own home, they're probably glad that their housing costs are fixed. We have seen near record setting price increases for single family homes in many major markets across the US. The fact is, you can't have price increases in the housing market and then experience no effect in the rental market. The two markets are not strongly linked together, but they are not completely isolated from each other either. If the cost of owning a new single family home goes up, you will also eventually see those costs reflected in the rents. This dynamic environment has made it difficult for apartment investors and developers to forecast their business plans. If rents increased 20% in 2021, what should they forecast in 2022? Historically, widely accepted inflation metrics used a 2% escalation for rents over the past decade. What should you put in your numbers for 2022? Would you use the 6.1% CPI that we have experienced so far in 2021? Should you use zero? Should you use 2%? You can make an argument for any of those choices. But they will all be incorrect. -------------- Host: Victor Menasce email: podcast@victorjm.com

Historically, the Church has not known what to do with depression, anxiety, or suicide. Our silence in the past was deafening. And while we're grateful that increasingly, churches are talking about these three enemies more openly, we're concerned the conversation isn't always helpful. In today's episode, Jim and John explore three powerful steps that will help you talk intelligently and compassionately about the evil triplets of depression, anxiety, and depression

Historically, the opposing party is very likely to win the midterm elections - and 2022 is looking like it will be no exception. Justin and Lance discuss the Republican's advantages heading into the 2022 midterm elections and explain how gerrymandering is used by both parties. tags: tsou, justin weller, lance jackson, politics, election, voting, gerrymandering, democrat, republican

Healthcare is a diverse industry, ranging from individual practitioners and home health nurses to ambulatory care centers and integrated systems with revenues in the billions of dollars. The risks along that spectrum also vary widely, but the insurance marketplace for healthcare organizations has been almost uniformly tight. Several insurance companies that underwrote healthcare business for decades have withdrawn from some classes, citing high loss ratios. In their place, new sources of capacity have emerged. Historically, the presence of new entrants has signaled competition and a loosening of terms, conditions, and rates. Unfortunately for insureds, that is not happening in the current marketplace. It's a challenging environment that requires retailers to approach the renewal process differently.Featured in this Episode:Bob Allen is president of Pro-Praxis, a CRC Group company providing specialty programs to large healthcare organizations, based in New York.Rusty Hughes is a senior broker in the Birmingham, Alabama, office of CRC Group.Alex Gould is a broker in the Birmingham, Alabama, office of CRC Group.Subscribe to CRC Group on YoutubeSubscribe to Tools & Intel (email newsletter)Read Past Tools & Intel ArticlesFollow CRC Group on LinkedIn

Society has a lot to say about what women can and can't do. Historically, women have always been more subject to absurd rules, constraints, and restrictions—things we're still unlearning today. To reach true freedom, we have to heal from these decades of societal trauma fully. That's why woman empowerment  is a phrase that carries a lot of weight. In this episode, Amina AlTai talks about her mission of helping women reconnect and come home to themselves. She shares how she healed from crashing and burning and how it led her to become a coach. Amina delves into woman empowerment, purpose, wisdom, community, faith, freedom, and self-care. She also discusses women's relationship with money and guilt in attaining financial success. Tune in to this episode if you want to reconnect with yourself as a woman and be a vehicle for woman empowerment!   This episode is brought to you by... BiOptimizerswww.bioptimizers.com/radicallyloved Use Code: radicallyloved10 for 10% OFF your first purchase Here are three reasons why you should listen to the full episode: Find out the difference between wisdom and knowledge. Discovery why women should perpetually choose faith and freedom for woman empowerment. Learn more about a woman's relationship with money and financial success. Resources Connect with Amina: Website | Instagram | LinkedIn | Facebook TED Talk: How to build your confidence -- and spark it in others | Brittany Packnett JARS System of Money Management Amina's Authentic Passion and Purpose Worksheet Create a daily meditation ritual in just seven days! Download BUILD YOUR DAILY MEDITATION RITUAL and other freebies on the Radically Loved website! FREE Action Guide! Apply the lessons you learn from this episode as you listen! Sign up at com, and I'll send it right away! Episode Highlights The Power of Names It's worth mentioning that in honoring how people want to be addressed, we should be considerate of their pronouns and names. We lose some of our identity when people mispronounce our names. A lot of whitewashing happens around the names of people of color. People mispronounce Amina's first name more than her last name. Tune in to the full episode to hear about Rosie's childhood struggle with her name! How Amina Became a Coach Amina started her career in marketing and brand management. She worked in Corporate America for a while before putting up her own agency. In her late 20s, she was deeply codependent. Leading big teams and clients at her own expense led to a crash and burn. Amina developed two autoimmune diseases; that became her "stop" moment. It made her conscious of the choices she had been making. She then went on an "Eat, Pray, Love" year. She went back to school and studied coaching, nutrition, movement, and meditation to heal herself. She realized she had to figure out how to teach the things she learned. So, Amina went on to create a corporate wellness company. Learning How to Teach from the Fullness of Herself After starting the company, Amina realized she was teaching only from a part of herself. Amina started to reflect on how she could teach from the fullness of herself. She had a series of conversations with God about her purpose and mission. Her curriculum is for female leaders and women of color who want to step into their purpose. The work she has been doing is about woman empowerment and inviting women to come home to themselves. Serving from the place of cultural, familial, and societal programming creates a disconnect. Amina's work is about reconnection. Getting Invited to Look at Her Life We always get invitations to look at ourselves in different ways. But sometimes, we don't go deeper because we take it to mean something else. Amina's invitation came during her late 20s in the form of autoimmune diseases. The pivot in her early 30s was feeling depressed from an inner resistance. The Biggest Issue with Connecting with Our Sense of Woman Empowerment A barrier to connecting with woman empowerment is having full permission and feeling safe to show up in the fullness of your being. Brittany Packnett Cunningham's TED talk says we need community, curiosity, and permission to build confidence. Woman empowerment requires that we permit ourselves to feel our own greatness. We practice permission in the community through the lens of curiosity. Then, we take it to bigger stages and expressions. Building a Community During a Pandemic Amina is optimistic about seeing people again physically. Currently, she's living in a hybrid world where she meets with her clients and friends via Zoom and in-person. She loves being in a community and is ready for more. Amina hopes that the world will be supportive of that soon. What Wisdom Means to Amina Wisdom, for Amina, is the connection, trust, and collaboration with our Godself. She was disconnected from her Godself when she was starting her journey. Empirical data and information do not equal wisdom. Wisdom is measured by our soul and our relationship with spirituality and a higher power. The most transformational experiences for Amina in the last decade were her relationships with God, Godself, and wisdom versus knowledge. The Lessons Amina Teaches We teach the lessons we need most. The lessons that remain part of Amina's transformative process are choosing faith over fear and reaching freedom. Many women don't feel free. And this feeling interrupts our expression and success. Amina knows it's time to “do the work all over again” when she feels the lack of freedom stifling. She reflects on the areas she still needs to work around. Nourishing and Taking Care of Ourselves Many women feel like they have to give away everything they have. Amina thinks holistically about nourishing herself. It involves spirituality, food, movement, boundaries, finances, community, and more. The hours before 11 am is Amina's non-negotiable God time. It's part of her spiritual practice when she's cultivating her godliness. On Our Relationship with Money Money is deeply spiritual. It connects to everywhere, including our relationship with energy and food. Money isn't just about money; it's about what we can do and who we can help with it. We have to understand our lineage of belief around money. Then, we have to identify the relationship we want to create with it moving forward. Integrity with money is different for everyone. Amina is inviting people to get conscious of it. Women reinvest up to 80% of their money into communities and families. Meanwhile, men reinvest only around 30%. Amina's Practice with Money Amina's money practice is spiritual. The JARS system encourages you to have different jars for the valuable areas of your life. Then, you will redirect the percentages of money you earn into those jars. Through this system, you see the energy of growth and momentum. On a Woman's Guilt Around Attaining Financial Success Historically, it's new for women to have autonomy around money. We're healing decades of women's trauma around money in our generation. Women are still trying to figure out money, its energy, and what it looks like for them. What's Next for Amina It's always a joy and honor for Amina to meet women she's meant to work with. She is launching a corporate offering for men on how to support women in leadership. We need to educate the people around women so they can invest in women and in woman empowerment. Amina's Advice to Women Who are Figuring Things Out Start with the self. How can you support yourself? You can establish your relationship with yourself through journaling practice. We need to be on our own team first before reaching out to the community. How Amina Feels Radically Loved Amina feels radically loved every day, knowing that God has invited her every single step of the way. She knows that everything has been in service to her growth and the people she gets to teach. 5 Powerful Quotes [06:23] “Careers and expressions aren't linear. We get to follow the footprint of our soul and come home to ourselves. It doesn't have to look one way.”   [13:00] “To build confidence, specifically for women, women of color, and marginalized communities, we need community, curiosity, and permission.”   [16:24] “Our soul has so much wisdom. Our relationship to spirituality and a higher power, there's so much wisdom in there that we can carry forward.”   [18:09] “If I were to synthesize my work into sound bites, it would be perpetually teaching to choose faith over fear, and how all of this work really is a conduit to freedom.”   [31:59] “Establishing a connection with yourself first and foremost is one of the most powerful, loving, generous things we can do.” About Amina Amina AlTai is a leadership coach, holistic mindset and business coach, and corporate trainer. She is the first social entrepreneur to create a methodology supporting both business and people's health. She has worked on numerous brands and has helped launch over 30 startups throughout her marketing career. During her struggle with burnout, Amina sought out training in nutrition, mindfulness, and fitness. It became her goal to teach other women to balance a successful career, body, and mind. She has coached hundreds of leaders and entrepreneurs using her proprietary methodology. Amina also writes for major publications, including Entrepreneur Magazine, Thrive Global, The Observer, MindbodyGreen, Bustle, Byrdie, Yahoo, and more. If you wish to connect with Amina, you may visit her website, LinkedIn, Facebook, and Instagram. Enjoy the Podcast? If you felt radically loved from listening to this podcast, subscribe and share it with the people you love! Love to give us 5 stars? If you do, we'd love a review from you. Help us reach more people and make them feel loved. Would you like to strive toward woman empowerment? Do you want to help women and people of color reach true freedom and success? A simple way is to share what you've learned today on social media. Don't forget to follow and message us on these platforms! Instagram: https://www.instagram.com/rosieacosta/ Twitter: https://twitter.com/rosieacosta Facebook: https://www.facebook.com/radicallylovedrosie TikTok: https://www.tiktok.com/@itsrosieacosta To feeling radically loved, Rosie

In the past week, we have seen new all-time highs for Bitcoin, Ethereum, Polkadot, and Solana. These coins are just slightly off of their ATH, consolidating before their next move. Historically, the crypto market sees a positive average return following an all time high. However, that may not always be the case and history doesn't necessarily always repeat itself.

In the past week, we have seen new all-time highs for Bitcoin, Ethereum, Polkadot, and Solana. These coins are just slightly off of their ATH, consolidating before their next move. Historically, the crypto market sees a positive average return following an all time high. However, that may not always be the case and history doesn't necessarily always repeat itself.

Mike and Jason continue the reaction from last night's Canucks L to the Ducks. They welcome in Brendan Batchelor. The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate. 

Whether in digital or paper form, books have always been a major part of what drives education in the United States. Whether those books are novels or entire curriculums marketed to state assemblies for adoption, books and education are often commingled with politics. Historically, we've seen districts and states ban books from classrooms in ways that bring politics and faith into our students' classrooms. We're going to take up the knotty issue of reading in schools and how it's about a lot more than simply worrying about how many pages there are for homework. Today, George and I talk about our experiences with books and schools, the books we've read and didn't read, and the books we've taught or elected not to teach, as we ask, “What's on the syllabus?” Context:Today's episode is inspired by an November 3rd article in The New York Times Education Briefing by Amelia Nierenberg that details the role that Toni Morrison's Beloved may have played in Virginia's recent gubernatorial race. Also, we're drawing on an ongoing campaign by Rep. Matt Krause to inventory over 850 titles in Texas schools, as they might cause students to feel “discomfort.”Key Questions:What's the strangest reading experience you've had in school?What's the best book you were assigned to read in high school?What's the best book that you didn't read in high school?Let's talk about textbook adoption - don't schools just fill out a scholastic book order as we did in elementary school?As an educator, have you ever been questioned about readings on your syllabus?From your experience, why do people choose to challenge reading lists or books?

What's up? It's episode 59 of Payne Points of Wealth and supply chains around the world are easing up. COVID cases globally are going down and profits are at an all-time record high as stock markets around the world are hitting all-time record highs. The question is, is it all going to fall off a cliff? Is this all too good to be true or is the economy going to continue chugging along? We'll look at some long-term tailwinds that could keep this economy moving into the roaring twenties along with your financial independence plan. We're also going to talk about those specific variables that you need to address in your financial life to make sure you're financially sound. You don't want to miss it. You will want to hear this episode if you are interested in... A rockin' market! [1:11] Everybody is doing well [3:36] Tailwinds for the economy [6:43] Don't confuse brains in a bull market [9:03] The Tipping Point [11:07] Having a tax-efficient portfolio [13:21] How long do you expect to live? [16:11] How lucky do you feel? [18:19] Hidden Facts of Finance [21:23] Economic tailwinds There's all this talk about how we're going to have a big burst of spending coming out of the pandemic and then it's just going to cool off again. Well, millennials are 25% of the population and are essentially going into their peak spending and earning years. Historically, the ages 45-55 tend to be when you spend the most money. You have household formation, kids, and more big-ticket items that you're buying. With the largest cohort of any population in America going right into that, it's like the baby boomers back in the 80s', it's going to lead to a lot of spending. Then you have this huge infrastructure bill coming down the line and when that passes that will be even more spending. Top all that off with the massive amount of inventories businesses are trying to build back up...doesn't sound like a slowdown is anywhere in the near future. This week on the tipping point: Customizable variables When it comes to building financial plans for the families we manage here at PCM everyone's situation is a little bit different. So in this episode, we discussed some of the variables you need to customize for your unique plan.  When it comes to financial planning and your portfolio, sometimes we become more enamored with the value of the portfolio. Especially with our 360 portal where you can see how much you're worth. It's kind of fun as the market goes up to check and see how you did each day, week, or month—but it's not just about appreciation—you've got to have the income.  How much does your principal generate in income after taxes and inflation? It's so important to sit down with your advisor every year and look at what's important to you. What are your variables? What do you want to accomplish this year? Do you want to take a big trip? Do you want to give money to your grandchildren's education plans? Backing into those numbers is the most important thing to figure out how much income you're gonna need. Listen to the episode to find out which variables you should address. This week's hidden facts of finance In the most recent quarter, Spain added 5.6 percentage points to its headline growth. French household spending jumped a whopping 21.5% annualized contributing to 10.5 percentage points to their growth rate. In fact, third-quarter growth results for the entire Eurozone outpaced the good old USA, well maybe not outpace as much as they're finally catching up because they're now playing out of the same playbook. They realize they've got to open their economies. It's not the end of the world. Spain, France, England, Germany, are all full of ordinary people, just like our country, and they want to get out and spend again. They want to live life! Europe is booming. The global economy is booming. We're seeing stocks go up all over the world so make sure you don't have all your money just in the S&P 500 because there are plenty of opportunities outside the US. Go global! Resources & People Mentioned See if you qualify for a complimentary financial review from the Paynes Connect With Ryan, Bob, and Chris http://PayneCM.com  Follow on Twitter Follow on Facebook Follow on LinkedIn Subscribe on YouTube Follow on Instagram Subscribe to Payne Points of Wealth On Apple Podcasts, On Google Podcasts, On Spotify

Synopsis On today's date in 1910, Gustav Mahler conducted the New York Philharmonic in a concert billed as “the first of a series arranged in chronological sequence, comprising the most famous composers from the period of Bach to the present day.” Mahler's program included works of Handel, Rameau, Gretry and Haydn, and opened with his own arrangement of music from Bach's Orchestral Suites. Now, Bach's music had been appearing on Philharmonic programs for decades, but some were shocked to see how Mahler presented it. Rather than standing in front of the orchestra with his baton, Mahler led the orchestra seated at the keyboard of a “Bach-Klavier” (a Steinway piano whose action had been tinkered with to make it sound more like a harpsichord). THAT bit of “historically informed performance” was something brand new back then. In a letter to a friend back in Europe, Mahler wrote: “I had great fun recently with a Bach concert, for which I worked out the basso continuo conducting and improvising quite in the style of the old masters … This produced a number of surprises for me – and also for the audience. It was as though a floodlight had been turned on to this long-buried literature.” Music Played in Today's Program J.S. Bach (arr. Gustav Mahler) — Orchestral Suite (Berlin Radio Symphony; Peter Schwarz, cond.) Schwann 11637

Supernatural Occurrence Studies Podcast Episode 149: ZOZOTopic starts at [14:50]- Become a Tier 2 or 3 Patron and get instant access to a LIBRARY of EXCLUSIVE, AD-FREE audio and video content! http://www.patreon.com/supernaturaloccurrencestudiespodcast- Starting in December, the Supernatural Occurrence Studies Podcast will be moving to a once-a-month release format on our public feed. Our Patreon feed will remain the same.- Let this episode act as a warning. Before you sit down with a Ouija Board, and before you place your fingertips on the planchette and whisper the dangerously vague incantation, “Ouija board, Ouija board, please send me a spirit…”, seriously consider what might answer. Since 2009, an entity named ZOZO has terrorized hapless Ouija board users. On the surface, ZOZO is a fairly recent internet phenomenon, kind of like Slenderman. Historically, though, and unlike Slenderman, ZOZO can be traced back for centuries, which lends a lot more weight to this frightening entity. - Visit Darren Evans ZOZO Website HERE: https://tinyurl.com/raw35nmh- Video: ZOZO in Jason Nhyte's garage?: https://tinyurl.com/235nrwm4- Led Zeppelin IV "ZOSO" logo HERE: https://tinyurl.com/37jb4c3t- Outtakes after the show!- Support your favorite podcast and shop our new Merch Store! https://chicagoghostpodcast.com/shop/- Visit our NEW website! Photos, videos, merch, and MORE: http://www.ChicagoGhostPodcast.com- Email the show! Contact@ChicagoGhostPodcast.com- Leave us a voicemail and we'll play your message on the show! Call Chicago area code 872-529-0767- Please rate The Supernatural Occurrence Studies Podcast on iTunes. We will read your reviews on the show! https://tinyurl.com/y5r2uv33- FaceBook: @ChicagoGhostPodcast Leave us a rating and a comment and we WILL read it on the show! https://tinyurl.com/y55cokhz- Find us on Spotify: https://tinyurl.com/y3kfq32w- Find us on iHeart Radio: https://tinyurl.com/y3a7jejt- Twitch: @SOSChicaGhost https://tinyurl.com/s26ddxmy- Instagram: @ChicagoGhosts https://tinyurl.com/y3e6eqqc- Twitter: @ChicagoGhosts https://tinyurl.com/yyahzzzj- YouTube: Supernatural Occurrence Studies https://tinyurl.com/y2x3yj93- Download Grammarly, the intelligent writing app, for FREE. Write with confidence almost anywhere online: Gmail, Facebook, Twitter, Linkedin, and more. Click here to download! https://tinyurl.com/y4ysdg7w- Save $50 on GrassHopper's virtual phone system. Toll-free numbers, multiple extensions, custom call forwarding, text messages, and more. No hardware to purchase. No software to install. Everything is done online or via your phone. Click here to get GrassHopper! https://tinyurl.com/y3n44eun- Receive a free 30-day trial to Audible Premium Plus and 1 free credit (2 credits if you're an Amazon Prime member). Credits are good for any premium title that you get to keep! Click here and sign up! https://tinyurl.com/5ahvyzr7- Set your proton packs to DONATE! If you love what you hear on The Supernatural Occurrence Studies Podcast, visit www.ChicagoGhostPodcast.com and select SUPPORT and donate to the cause!

This week the guys recap the unacceptable loss to South Carolina and all the fallout from the game. They talk about the staff changes, fire up the hot boards, and give their takes on where we go from here. Pull up to the same corner, same time!

Carson and Colby react to OSU's dominant win in Morgantown. The post PFB Podcast Ep. 424: Bizarro Cowboys, Historically Great Defense appeared first on Pistols Firing.

Meet the Aqua Dolls The band is composed of a power trio Melissa / vocals & guitar Keilah / vocals & bass Jackie/ vocals & drums And... their amazing manager Jaysea Devoe who is always behind the scenes taking care of business! This was Jaysea's 3rd time on the podcast. In her 1st episode, a teenager's guide to balance, we discussed how valuable her foundation, light, and tools would be as she navigates through life and things become more challenging.  It has been a gift to follow her growth and evolution into her new role and how her foundation and light were so important in her journey!! These young women are TALENTED, caring, smart, pro-active FIERCE FEMALES, and they ROCK !! Historically and unfortunately women have always faced unique challenges in the music industry.  The Aqua Dolls eagerly joined me for some powerful conversation about how to maintain balance, respect and sanity in hopes of helping anyone being mistreated in the industry for being their true selves! The energy of music is undeniably healing on SO many levels. Whether you're performing your own music, singing along, dancing, moshing, belting out songs in the car …it all feels SO GOOD! HUGE BONUS and honor - It was an incredible treat to have them perform 2 songs acoustic & live on the show!!! Shout out to Bram and Arden Rock Records for always providing a quality studio experience ...https://www.ardenrockrecords.com Check out all things AquadollsI promise you will be entertained !: The Aquadolls were founded in January 2012 by Melissa Brooks, the lead singer and songwriter for the band in La Mirada, California. Melissa began recording bedroom demos of her songs and eventually released We Are Free in early 2013, and then debuted her album Stoked on You in December 2014. After a brief break from releases, the stars aligned in July 2018 and the new era of The Aquadolls commenced with Jacqueline Proctor on drums and Keilah Nina on bass . The band grew as a powerful threesome leading up to the release of The Aquadolls highly anticipated second album, The Dream and the Deception, recorded and self-produced by Brooks and self-released October 28, 2018 on Aqua Babe Records. Following their sophomore album, they have self-released the single Suck on This in summer 2019, followed by their viral cover of Lash's Take Me Away in October 2020. In July 2021, The Aquadolls signed to indie label Enci Records and released their latest single Disappearing Girl. Having opened for artists like Pennywise, Kate Nash, Vivian Girls, and X, playing festivals with Weezer, Rancid, Cat Power, and FIDLAR, touring with White Reaper, as well as headlining North American tours and playing local California shows, The Aquadolls are in-your-face and good vibes all at once with energetic performances that leave you anticipating the next show. The Aquadolls pack a punch with tongue-in cheek lyrics, hard-hitting licks, and soothing vocal harmonies that will guarantee a head bang from anyone listening. https://the-aquadolls.com

Is your job your singular focus or simply a way to fund your passion? Is your career the thing that defines you, or do you identify as something different...something unrelated to your work? Do we put too much pressure on our careers to deliver happiness? Ease? Meaning? Joy? SHOW NOTES Today on Crina and Kirsten Get to Work out hosts talk about the concept of good enough as an important part of ease, meaning and joy. Pascal Bruckner said, “unhappiness is not only unhappiness,; it is, worse yet, a failure to be happy.”  This quotation acknowledges the expectation that we all be “happy” and when we are not, we have somehow failed, missed the point or missed out generally.  The point of this show is to explore that possibility that “good enough” can actually contribute to ease meaning and joy.  Some people, like Kirsten, experience work as deeply meaningful – although stressful.  Crina's son works when he needs money.  These are two very different approaches to work.  Is it realistic for everyone to “pursue their passion?  Do you really have to find a dream job so you never work a day in your life?  Can it actually be about something more than the money – or is it just a matter of paying the bills? Our hosts posit that putting pressure on ourselves to create the perfect job probably takes away from ease, meaning and joy at work – and at the same time, is there something more than just a paycheck? Rather than dig into the research, our hosts dig into the history.  The idea that we love our work is a relatively new phenomena.  Historically, work was never supposed to be enjoyable.  In fact, author Sarah Jaffe, whose book Work Won't Love You Back hits stores in January of 2022, argues that the “love your work” mantra is a myth of capitalism.” She says that in the 1970s, just when manufacturing began to die and labor movements began to lose ground, bosses started handing down aphorisms like, “Do what you love and you'll never work a day in your life.” When we carry the belief that we must find meaning and fulfillment from work, we can be disappointed – and we can neglect other parts of our lives.  If our jobs are our sole source of fulfillment, we not only create unrealistic expectations, but also miss out on other parts of our lives. Enter the idea of the "good enough" job – relatively enjoyable paid work that meets your financial needs while leaving you with enough time and energy to pursue your passions and callings outside of work.   Maybe you love the people you work with, or the work that you do – or even the mission of your employer – the point is that there is something in the job you find enjoyable. The "good enough" job embraces the reality that not everyone's call is this work, the "good enough" job leaves you time to focus on other meaningful aspects of your life – art, music, volunteering, reading, relationships etc.   The "good enough" job is more flexible because you have less investment.  It is easier to leave a "good enough" job to do something else because your interests have changed or to move somewhere else.  Because there is less energy and connection and commitment to the "good enough" job, it is less likely to hold you back from other parts of your life.  Consider, friends, the "good enough" job!   Good Reads: Fredi Founders Discuss The Fallacy Of "If You Love What You Do, You'll Never Work a Day in Your Life." Why Wellness, Not A 'Dream Job', Is The Key To Fulfillment At Work In Praise Of 'Good Enough' Jobs — What A Girl Gotta Do Why Young People Want Comfortable, "good enough" jobs The Research We've Ignored About Happiness at Work

Historically, colleges and universities across the country have thought about graduate student recruitment as second in importance to the traditional undergraduate student population. As such, graduate enrollment management teams tend to be under-resourced when it comes to time, money, and talent. But tides could be shifting as fewer students are going to college and as schools across the country are still recovering from losing significant revenue due to the pandemic.  In this episode of The Enrollify Podcast, Zach sits down with Adam Poluzzi, the Assistant Vice Provost of Graduate Enrollment Management and Brett DiMarzo, the Director of Graduate Enrollment Management Strategy, at Boston College. The three discuss a new division Boston College has launched as a part of the Graduate Enrollment Management team to help support graduate admissions professionals with the tools, insights, and resources they need to design and implement digital student recruitment strategies. This model, perhaps the first of its kind, could be adopted by large and small schools and programs alike looking for practical and specific ways to attract, engage, enroll, and retain future graduate students.Learn more about this episode and about our sponsors in our show notes.

All hallows eve...⠀⠀All hallows day or all saints day...⠀⠀Historically this is the day the church remembers the saints and martyrs; it's a day where we think and talk about death as well as those who've gone before us. These last couple of years have been marked by death, we've seen it all around us with the COVID-19 pandemic especially. In this message, pastor Joel looks at it from a biblical perspective.

Investors were busy in the second quarter of this year. They increased their share of purchased residential properties. But even though they bought more than consumers, they spent less. So where are these great deals? The RealtyTrac report has a few answers.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.RealtyTrac published the results of its analysis with data from its parent company, ATTOM Data Solutions. (1) It found that investor purchases accounted for 15.4% of all U.S. residential purchases in the second quarter of this year. That's up 3.9% from Q2 of last year when investors accounted for 11.5% of all home purchases. (2)If you compare Q2 to Q1 of this year, investor purchases were about the same. Although the numbers show a year-over-year increase, RealtyTrac's executive vice president, Rick Sharga, doesn't believe they represent a significant change of course. But, he says they do disprove the idea that investors are gobbling up too much of the inventory. He says: “Historically investors have always accounted for somewhere between 10% and 15% of residential home purchases, and our data shows that this is still the case today, albeit at the high end of that range. But the data doesn't support the ‘Wall Street is buying up Main Street' theme that's been a popular theory for the past year or so.”States Attracting the Most Investors ActivitySo where are investors placing their bets? New Hampshire tops the list, with Delaware, Georgia, Arizona, and Mississippi rounding out the top five. In the second tier is Florida, North Carolina, Oklahoma, Arkansas, and Nevada. Investor share ranges from 23.2% of all purchases in New Hampshire to 18.7% of purchases in Nevada.As for the ten states with the lowest share of investor purchases - Vermont tops that list, followed by Alaska, New Mexico, Montana, and Idaho. The other five states include Oregon, West Virginia, Wyoming, Washington, and Iowa. Investor share of purchases in Vermont are less than 1%, while Alaska is 1.9%. The share increases to about 11% for Iowa.Biggest Investor DiscountsSo what's this about buying more and paying less? RealtyTrac says that in the second quarter, investors paid an average of 29.4% less than your typical consumer. That's on a national basis among 38 states with full reporting data. Investors got a better deal, on average, in 33 out of 38 of those states. For investors, the median price of a home was $205,000. For consumers, it was $290.230.As for the states with the biggest investor discounts, Arkansas was number one. It had the highest investor discount at 76.9%. Michigan was next with a 60% discount to investors. Louisiana and Nebraska were both about 55%. West Virginia and Oklahoma were around 50%.Sharga is quick to point out that investors are not getting special treatment. They are just better shoppers. And, he says: “Another misconception is that investors are overpaying for properties, making it difficult for consumers to compete and artificially driving up prices. But successful investors tend to look for below-market pricing in order to make a profit…” Plus, many buy in cash, which often comes with a discount.In Q2 of this year, 79% of investor purchases were in cash compared to 69% for Q2 of last year. While that figure varies from state-to-state, the report shows that the share was more than 50% in all states, except for Alaska. There's a link to the RealtyTrac report in the show notes at newsforinvestors.com.You can also find out more about real estate investing at our website by joining RealWealth for free. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources. That includes experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.And please remember to hit the subscribe button, and leave a review! Thanks for listening. I'm Kathy Fettke.Links:1 -https://www.realtytrac.com/newsroom/wp-content/uploads/sites/14/2021/10/Oct-21-RealtyTrac-RE-Investor-Purchase-Activity-Press-Release.pdf2 -https://www.realtytrac.com/blog/realtytrac-investor-purchase-report-fall-2021/

By Davy Crockett Recently, the six-day race received some attention in ultrarunning news because the International Association of Ultrarunners (IAU) announced that they would no longer recognize the six-day event or keep records for it. This shocked many ultrarunning historians and particularly runners who participate in multi-day fixed-time races.  After a brief uproar, the new IAU leadership back-peddled, somewhat admitted to their ignorance about six-day ultrarunning history and agreed to continue to recognize the event that has roots in the sport going back nearly 250 years. Ultrarunners who exclusively run trails may wonder, “what is this six-day race and why is it important?”  The six-day race is an event to see how far you can run or walk in a period of 144 hours or six days on roads, tracks, or trails. Six days was a historic time limit established to avoid competing on Sundays, respecting local laws of the time and the religious beliefs of many of the participants. Six-Day Background Today, the six-day world record is held by Yiannis Kouros of Greece, who covered an astonishing distance of 635 miles on a track in New York City in 1984. Later in 1988, he covered 639 miles on a paved loop course at Flushing Meadows, also in New York. Historically, the six-day race grew out of solo six-day challenges, motivated by significant wagers and fame. They were first accomplished by ultra-distance walker/runners referred to as “pedestrians” who covering staggering distances during the late 1700s. Recent research has discovered that there were far more athletes than previously known, who took up the six-day challenge in the early 1800s. These occurred exclusively in Britain. Their grueling runs/walks were accomplished outdoors on dirt and muddy roads/trails, frequently in harsh weather conditions. In the late 1800s, as attention was revived for these six-day solo accomplishments, egos and greed of participants and organizers also grew. The six-day challenges evolved into competitions in America between multiple walkers, and the six-day races were born, attracting thousands of spectators. It became the most popular spectator sport in America for more than a decade. How did the six-day challenge begin?  Here is the story. Foster Powell, the Father of the Six-Day Run Long before the six-day races began in the late 1800s, there were numerous six-day walking feats that have been mostly lost in history. The first famous British “pedestrian,” Foster Powell (1734-1793) started the focus on walking/running for six days and can be considered the “Father of the Six-Day Challenge.” Foster Powell was born in 1734, in the small village of Horsforth, Yorkshire, England, near the city of Leeds. His father was William Powell, a prominent farmer. When Foster Powell was 28, in 1762, he moved to London to work as a law clerk for a “temple lawyer” at an inn. There were a group of inns in London called the “Inns of Court” attached to Churches, used as offices for clerks and lawyers. These inns consisted of sections called the Inner Temple and Middle Temple. In 1766, Powel moved, and went to work for his uncle at New Inn (next to Clements Inn), another inn for clerks and lawyers. He worked and lived there for the rest of his life. Powell worked hard but was the object of ridicule by his fellow clerks who regarded him as “a milksop and a muff.” He was described as “a cadaverous-looking young fellow, thin and apparently weak. He was thought very little of, either in respect of his mental or physical qualities.” He was “a quiet inoffensive lad, shy, and somewhat unsocial, with nothing in the faintest degree remarkable in him.” His truly remarkable talent soon became evident as he became fond to taking long, solitary walks. Windsor One Saturday, Powell was asked by his fellow clerks where he was going to spend Sunday. He replied that he intended to walk to Windsor and back (about 50 miles) starting after work...

Pastor Marc Sharp continues the series "Songs of Ascents" with part ten. This series is looking at 15 Psalms (Psalm 120-134) designated as “Songs of Ascents”, which are God’s guidebook for right worship in the church. Previously, in Psalms 127 and 128, we saw how God’s blessing transforms our families. Today, in Psalm 129, we may become anxious when we hear of the afflictions of God's people. Historically, Christ’s church has also been greatly afflicted. She’s known imprisonment, beatings, executions, and the plundering of her property. In the U.S., while we haven’t seen the same degree of persecution thus far, our values are mocked and the truths of the gospel are regarded as injurious to society. We face hostility from the professional, political and academic realms. But the people of God remain. We are the survivors of despots and their decrees, tyrants and their torture chambers, emperors and their empires; all are gone, yet we remain and shall not be moved since God is our defender! If you would like to view the video of today's service, as well as previous videos, go to: https://www.facebook.com/northridgelife/videos/ (copy and paste into your web browser address bar). For additional information, you may also visit the church website, www.northridgelife.org, and Facebook page, www.facebook.com/northridgelife/.

Oct. 29, 2021 - While women- and minority-owned businesses have made great strides in growing their share of state contracts in recent years, there are still systemic challenges that hinder their ability to compete. Valerie White, executive director of LISC NYC, highlights a private-public partnership designed to remove one obstacle: increasing access to capital.

Season 9, Episode 1 - On Building Trust With Historically Marginalized Talent  - Cam Snaith, CEO, BleekerWELCOME TO SEASON 9! We're honored that you're here with us and very grateful to have you as a listener.About Cam Snaith Cam Snaith is the co-founder of Bleeker, a company that puts underrepresented talent in the driver's seat of their careers. Since its founding in 2013, Bleeker has been partnering with companies whose leaders are similarly dedicated to putting historically marginalized professionals in the driver's seat of their careers, supporting their organizations with coaching and recruiting solutions. Bleeker also cultivates a professional community that surrounds elusive talent with resources to unlock potential and opportunities to advance their careers.In Bleeker's early years, Cam moonlighted as a Research Affiliate with the MIT Media Lab's Social Computing group. Before Bleeker, Cam was a marketing executive at PepsiCo and the National Basketball Association and the founder of an arts-based non-profit. Cam was born in Bermuda and received his MS in Strategic Communication from Columbia University, and an AB in English from Princeton University.Connect + learn more about Cam:Website: https://bleeker.co + LinkedIn.Email: cam@bleeker.coKlay's NoteToday's podcast is sponsored by DAYE MOVEMENT (Determined Action Yields Empowerment). Connect  and learn more about Daye Movement's 2022 spring cycling fundraiser with Founder, Kent Edwards at Daye.Movement@gmail.com. Want more information on our custom meditations? Email: Assistant@PlanAwithKlay.com.If you're looking for a cool scripted podcast drama, check out Venice HERE by Marisa Bramwell.Thank you for listening to Season 8 of Plan A Konversations! Share your thoughts and follow Klay on your favorite social media: @PlanAwithKlay and use the hashtag #PlanA101​​​. Want more Plan A? Subscribe to Klay's website: KlaySWilliams.com.If you've been motivated, inspired and called to action by this podcast, please consider contributing with the link provided below. Support the show (https://paypal.me/PlanAEnterprises?locale.x=en_US)

The all-in-one loan is a unique product with some very interesting benefits that provide a higher level of efficiency for the homeowner/borrower in paying off their loans.  Justin Macagba and Dave Herbst of CMG Financial join us today to explain how it works, what its benefits are, and who it is a good fit for.  Visit CMG here: https://www.cmgfi.com  Contact Justin here: JMACAGBA@cmgfi.com  --- Transcript   Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals.   Michael: Hey, everyone, welcome to another episode of The Remote Real Estate Investor. I'm Michael Albaum and today I'm joined by Dave and Justin with CMG Financial, and they're going to be talking to us about a really unique loan product that I had never heard of, but in very intrigued by called the all in one loan, so let's get into it.   All right, Dave, and Justin with CMG financial, thank you so much for taking the time to hang out with me today. I really appreciate it.   Dave: Thanks for having me.   Justin: No problem. Thank you.   Dave: Yeah. Thank you. Appreciate it.     Michael: My pleasure. And so you both are here to talk to us today about something called the all in one mortgage. Is that right?   Dave: Yeah, it's officially trademarked name is called the all-in-one loan. It's a unique mortgage product that we offer nationwide.   Michael: Is this a new product hasn't been around for a while?   Dave: Great question. No, it's not not a new product at all. We we launched this to the market in June of 2005. So over 16 years old now. It is however, sort of a newer concept to you know, most Americans. So it's still you know, day to day kind of feels new, as we talk about it, but it's certainly not a new product for us. And it's often.   Michael: Okay. And so that's twice you've mentioned that it's been launched in the US, was this product modeled after a product in a different country?   Dave: Yeah, absolutely. This type of financing in the way it's engineered, is very similar to mortgage products that are mainstream in other countries, other parts of the world. You know, throughout Western Europe, the UK, specifically, these types of mortgages are called offset loans or offset mortgages. They're also a version of this is also available in Canada, New Zealand, Australia, India, you know, most of the world's largest banks offer some version of this product, but we've been so you know, kind of slow to adopt or embrace innovation in the mortgage industry.   If you think about it, you know, the standard mortgage, 30 year fixed mortgage, or 15 year fixed mortgage, these are products that were developed during the Great Depression era. And they're still the gold standard today. You know, despite all the change and innovation and all the changes in needs, for the for the average American household, we have yet to really kind of push forth innovation in the mortgage industry. This represents certainly, you know, positive change directionally.   Michael: Interesting. And so I had never heard of this product at all until Justin and I were chatting about it in the Roofstock Academy. So Dave, we would love if you could share with everybody, what is it and kind of how does it work? What are the mechanics of it?   Dave: Sure, yeah. Well, the all in one loan, you know, given its brand name, it's a it's two things that are bundled together to two accounts, two financial instruments that are combined together to provide a higher level of efficiency for the homeowner for the borrower. And I mean, that they are able to save money save time, and their money goes further for them.   So let me explain how it's engineered. The mortgage part one of the all in one is the mortgage side and mortgage is powered by a 30 year draw. So first lien position, 30 year draw, home equity line of credit, it's the only one in America that I'm still aware of, there is no other HELOC or mortgage product like it, this allows homeowners to actually finance the purchase of real estate or maybe refinance out of their current mortgage. And it can be used for primary residence second home or investment property, but it also provides them access to their home equity dollars for 30 years without ever having to refinance once in place. But that's not where it stops.   The the other part of the all in one loan is that it comes with a linked checking account that's uniquely engineered, the checking account that's linked with the line of credit is also known as a zero balance or sweep checking account. What that means is anytime you make a deposit, your money automatically sweeps to the mortgage to the line of credit, and it pays down your principal balance that day. So in other words, can you imagine combining your borrowing and your banking needs all in one place, so that your regular everyday cash flow, your money, your idle cash, is always going to pay down your principal balance and that that's a benefit because interest costs are based on your principal balance.   So if you can use the money you have in your possession, right, this moment that you haven't spent yet today, right? Think about your income checks over time, you don't spend all your money all at once. So as your money kind of sits idle, waiting to be spent on groceries tomorrow, maybe a car payment in two weeks. Your Cash is constantly always leveraged against your principal balance which helps you avoid mortgage interest cost over time.   Michael: Interesting. So, so let me just make sure I understand. So if I had an extra I went, I go to the 711 and I find a $20 bill sitting on the ground I can put that into this sweep checking account, and then actually pay down the balance of my mortgage.   Dave: Yeah, I mean, there's a couple things that we know about about average Americans, especially those that are in the market to buy or already own a home. Number one, you need financing. Most Americans need to borrow money in order to actually own real estate. Right. So number two, is that most of us utilize a checking account to manage our income our resources with right pay our bills from the problem with the traditional way we've been doing things forever is that our cash or idle money, the $20, you pick up and find on the street or the $20 You earned from your employer, that that tends to sit around in your checking account securely available for you, but it's not earning you anything, it's not earning you any measurable amount of interest. It's just sitting there waiting money spent on things that you need in the future.   On the on the other side of that coin, you have a mortgage and your mortgage, statistically, is your biggest expense in life costing you high amounts of interest, despite the low interest rate mortgages come with today. Right? So the interest rates with mortgages isn't the problem. The problem is how your money is applied to the mortgage itself, the principal balance. So by combining the two together the checking account and the mortgage together, your cash that $20 you just picked up and found outside 711 will pay down your balance today, just by way of making a deposit into the checking account, your principal balance in your mortgage drops by $20. It'll do that if you deposit a dime, it'll depart it'll do that if you deposit $10,000, your balance drops the day you make that deposit, it re computes interest automatically on that lower balance. All the meanwhile your cash is kept liquid for you to spend the very next day or the next moment.   Michael: So then if I needed that $20 back, because I changed my mind the next day. And actually I want a $20 thing. I can take it out of my mortgage or the line of credit, and then use it and spend a spendable cash.   Dave: Yeah, that's exactly right. So the checking account is fully transactional, full feature. So it comes with ATM debit Visa cards, online banking, on bill payment, mobile banking and bill pay, you could take a picture of a personal check with the with the app, the mobile app, and that gets deposited into the checking account automatically transfers to the HELOC paying down your balance that day. So it's full feature you can check right from it, Link external accounts to it transfer money back and forth from other accounts. When I say it's fully transactional, I mean that the way you're engaging your money is unchanged, you're still using a checking account. This one's just uniquely designed to make your money go further while you're not using it.   Michael: Holy crap. This is awesome. I've got a HELOC on a on a property. It's my primary residence. It's got a 10 year draw period. But one of the ways this is different is out at the beginning you said a 30 year draw period. So that's one distinction to draw from an ordinary HELOC versus this product by product on my primary residence is 30 year fixed. And I know you said this is a 30 year draw. So is this product have a fixed interest rate as well? Or does it is it variable like a traditional HELOC?   Dave: It's a variable rate. And we do offer an interim fixed term option we have a three year fixed and a five year fixed and then it goes fully adjustable meaning a monthly adjustable, so the interest rate is tied to the one year CMT, which stands for constant maturity Treasury rate, aka the one year Treasury rate. So that's the baseline or the index that we use in the interest rate structure. On top of that, the customer chooses a margin and that gets locked in it remains unchanged. But if the index moves which it can on a monthly basis, the rate the interest rate that the borrower pays it's being calculated on your daily balance can can adjust only once a month on the first we updated on the first now the index that we use is near 0%. It aligns with our federal funds rate which is targeted at zero to 25 basis points and it's currently at about eight basis points.   And so when the Fed says that they are going to you know maintain a pattern of low interest rates and not necessarily push short term rates up that's an indication that our the interest rate and our loan will not change either will remain very low. Historically speaking the index has been about 2.2% historically looking back 25 years so very low index to use for a an adjustable rate mortgage and that's why we chose it the index isn't really selected for HELOCs you know HELOCs are generally prime based. And the problem with your 30 year fixed mortgage isn't the interest rate again, it's it's the way that your money is being applied to the to the balance as you know most of your payment for the first half of the term doesn't go towards paying down your principal primarily most of that is going towards interest.   In fact, on a 30 year loan you pay 50% of the total interest that's already predetermined in the first 10 years alone so it's not a it's not a high yield for efficiency of your money. You've worked hard for your money. Why can't all your money as you pay down debt, why can't it go towards principal entirely and then the lender read Cast the interest that you that you're going to owe them. That's this loan. It's the only loan in America that pays principal first for the entire term of the loan. So also the only loan in America, like you said, that gives you access to your equity money and the cash that you put into it for 30 years, without having to refinance. It's also the only loan in America that re computes interest, nightly. Based on your new balance, however, you want to control it over the whole entire 30 year term. So a lot of only statements there, man, but we're pretty proud of it.   Michael: That's awesome. That's awesome. So is there a minimum? I know, you said that that's the one year Treasury is kind of the benchmark and then the lender or the borrower rather picks a margin. So is there a floor and a ceiling to where the variability or where the interest rate could go?   Dave: There is? Yeah, great question. Yeah, the floor rate is generally set at 3.75% for primary residences, and second homes, investment properties is slightly higher than that. And then the ceiling is set at 6% over the initial rate. So on a primary residence or second home, that'd be 9.75%. Roughly, today, for a line of credit that's exceptionally low, as you guys know, write lines of credit typically have ceilings that are up in the high teens, if not low, 20% or 20%. range. So very low.   Now, if for that, for the rate to reach that ceiling level, you know, the Fed would have to increase rates by roughly 600 basis points, right? Not likely that 6%, not likely. And so that ceilings low enough to where protects the customer, it's high enough to where it doesn't really cause concern, during any kind of rising rate environment to to us or to our bank partners to support the loan, there's kind of a sweet spot that you want to achieve with with applying a ceiling, a lifetime cap, you don't want it too high, you don't want it too low. And we know that we found that sweet spot with this loan.   Michael: That's awesome. And so from a qualification perspective, for borrowers and for the property itself, are you looking at the same type of stuff that a traditional or maybe not just about a 30 year fixed product, but go on, you're getting an appraisal, you're looking at borrower financials and all that sort of thing?   Dave: Yeah, yeah, exactly right. It we follow Fannie Mae, it's, you know, obviously, it's a proprietary loan that we pioneered, and it's a privately secured mortgage products, we don't sell it off to Fannie, Freddie, you know, any other loan aggregator, you know, or Wall Street, we, you know, it's secured on the balance sheet with our bank partners that support it, and, but the qualifying for it, and the process follows, you know, agency standards and industry standards and industry norms, of course. So the process is very similar to refinancing or, you know, purchasing a property using a 30 year fix, you'll get an appraisal, full title policy is included, you know, is involved, and, you know, all the all the standard, you know, third party closing costs, you know, are involved the same as if you were to get any other standard mortgage.   Michael: Okay, and who is a good candidate for this product? And who may be? Is it a good fit for this type of product?   Dave: Sure. Well, that's a great question. So this is a, this is a loan product, that that the benefits are driven by your ability to not spend more than you make. I mean, frankly, you couldn't get very far in life, if that's how you live permanently, right? I know that there's kind of peaks and valleys in our spending behavior. You know, holidays are more expensive than than maybe non holiday months, right? Or summertime could be more expensive. I mean, I know that there's an ebb and flow to expenditures and things like that for the average US household.   But overall, really on an annualized basis, if you live within your means you tend to be cashflow positive, you're not spending more than you make routinely, you already make a great candidate for this product. So are you You don't have to be you have to be a really great saver to to benefit you just have to have some residual cash leftover at the end of the each month right and so that begins to build and compound your savings. And that that's an advantage because it's condensing the amount of time you're in debt which is save you 10s of 1000s dollars in mortgage interest along the way while you remain liquid.   So there's that that type of household that's cashflow positive, they can be fairly disciplined they're not suddenly because they've got this heaping line of credit available. They're not going to go out and and change their their budget or behavior, per se, but the people that are thoughtful right and established with their finances make great candidates for the for the product. Also those people with some established established equity in their property.   Our minimum downpayment for purchase is 10% when we're supplying this for primary residents 20% for a second home 25% equity or downpayment is required for an investment property. So you know, this isn't the zero down payment loan right this is 100% loan to value financing loan This is the generally the 80% loan to value alone is most common. Our average loan to value is 75%. Our average credit score ranges around 770 Our minimum is only 700. So you know you need that high of a credit score to to qualify but our average range is close to 800 or so. average debt to income ratio is under 30%. And, you know, so this, this tends to really attract those people with, you know, established credit established financial behavior.   Michael: Yeah, that makes total sense. That makes total sense. And so, Justin, I want to bring you in for a minute, because I know that you are a member of the rootstock Academy, and you actually have one of these products on your primary. Is that right?   Justin: That is correct. Yep.   Michael: So I mean, you're really drinking the Kool Aid. I love it.   Justin: Oh, it's, it's, it's a game changing mortgage. You know, a lot of times when I try to explain what the loan is and how it works, you know, it's, it's met with a lot of more questions than pushback. And you know, I do find a lot of people asking a ton of questions pertaining to the program, but particularly those that are investors, you know, obviously the big appeal for this particular program is the access to the equity as you and I both know, anytime that we want to get access to that equity, we have to do a cash out refinance on the primary I have access to that equity whenever I need it.   So like I said, I'm a I learned a lot from the Roofstock Academy quite frankly, it gave me that additional confidence to start investing out of state so I have properties in the Birmingham Alabama area. Anytime I want to access that equity, I fill out a form sign it scan it into into the bank and I get a wire confirmation afterwards that the funds have been sent to the title company that's handling the closing it's awesome. It's it's really seamless, it's a really seamless program a lot of people are are hesitant about it, but I you know, knowing that there are other parts of the world that have really adopted this particular program, it's a fantastic program.   Michael: And so you're using the equity in your primary via the this all in one loan product to take cash out to then purchase as your down payment are you purchasing all cash?   Justin: So I'm using I'm still leveraging them into a 30 year fixed rate mortgage so I'm just taking the down payment. And then so I have it's actually a really seamless process I've got set up because what I did is so I take the 20% Plus closing costs and prepaids and I've used that for the down payment on I just closed out one last week down in the Grayson Valley area and closed, everything's all set. So what I actually do now is David mentioned by you have this checking account this offset account so all my mortgage payments come off of my line but all of my rent deposits get deposited onto my line. So it's it's just it takes the bookkeeping piece out of it the second Tuesday of every month is my property management issues the issues rent checks that's my favorite time of month because I just wake up and my lines automatically pay down but as far as like having to cut checks and in cut it you know sending payments in or whatnot it all flows seamlessly it's it's really nice   Michael: That's incredible so you really have a a one track funnel for your property your rental property Alabama actually paying down your primary residence mortgage right   Justin: It's pretty great Yeah, that's exactly what's happening.   Dave: You know, you think about it this way you're as Justin said his his mortgages on his rental properties aren't that are conventional mortgages aren't do aren't technically due until the 15th right before you're deemed a late payment or not a late payment but a maybe a late late penalty you know so you have you have this float you know for you know up to up to 15 days 14-15 days every single month to leverage the inbound money that you receive off your rental property into back into your all in one loan line of credit which serves to pay down your principal balance your daily principle in which interest is being computed on so by me by way of making a deposit think of this as like a checking account that's earning you in the form of savings right earning you the yield on it is equal to the interest rate of the loan. So it's like a high powered checking account that's yielding you back 3.75% on your deposits, right and that comes in the form of avoiding interest cost and that accelerates your pay down.   And so Justin's able to recycle that right he's he's able to farm savings just by using it and then take those savings right that build really rapidly and go buy another investment property so just it's just like this you know flexible credit facility that's available to you for a variety of different reasons pay down is one of them it's the byproduct of applying money to principle first and saving money on interest however you're liquid so you can constantly kind of read you know farm those savings and go leverage again and build your your real estate portfolio and in for your wealth opportunities.   Michael: This is amazing. This is a really really cool unique product that just I know we had chatted about it a while ago and it's still taking me time to wrap my head around it.   Justin: It takes a little bit to it because it's just different right we're constantly I mean he turned on the news and you hear about rates every I feel like mortgage rates at one point and turned into like water cooler talk right? Well, what's your rate? It's all about trying to get the lowest rate possible. You've really got to just take the concept of a mortgage and just drop it on the floor and let it shatter, to really understand that, you know, it's not so much the rate, it's the mechanics of the loan, I, you know, I'm a commissioned only sales rep, I do mortgages for a living. So you know, some months are great, some months are not so great, what a great month, I could take all of that money and apply it towards my principal balance and have the peace of mind of knowing that I have the ability to go in and tap into that equity whenever I need it.   It really, it's, it's, it's comforting, where others may be like, no, no, no, it's comforting to me to know that that that equity is available to me whether it's with a check, we have an all in one credit card. Yeah, you you have availability to whenever you need it.   Michael: That's so cool. So how does change in value work for the property both on the upside, and if the market takes a bit of a dive on the downside?   Dave: Nothing stopping a customer, there's no automatic modification of the credit limit. And that's it's probably a good good opportunity for me to kind of to address how the line of credit is structured, it's very unique as well, the credit limit that we established and underwriting remains unchanged for the first 10 years at that initial amount. After the after the 10th year, the credit line limit reduces slowly each month over 20 years till it reaches zero.   So this is how we keep people liquid over 30 years for use of the line of credit, we don't force a balloon payment. We never restructure how you pay for the loan into an amortized payment like with a traditional HELOC. That does that after 10 years. So it's it's a, it's engineered very uniquely, to be able to keep people liquid. But there's no automatic modification in case your property value goes up, you'd have to refinance into a higher into a higher line of credit, which is no problem.   There's no prepayment penalty on this, nothing stopping you or prohibiting you from doing that. There's no amortization schedule that starts over again, right, you just continue on with your principal balance where you left off, you just get a higher line of credit. But you have to go through the process, the refi process, on the flip side of property values come down, there's no there's no triggers an automatic trigger that reduces your line of credit either. What we're concerned with would be fraudulent activity, mismanagement, financial distress, where you really, you know, a risk of default, where where we might address things and look at the line of credit and available, you know, access to money. If in case property values come down, and there's financial distress, a combination of things might lead us to that point, we've never frozen a single line of credit, especially due to property value, we only had two forbearances last year on the product as a result of COVID. Only 2, now consider that we're talking 10s of 1000s of borrowers. And you know, consider what a 30 year fix people people tend to look at a regular 30 year fixed mortgages, low risk.   And to Justin's point, we're kind of programmed to just think that way, you know, nobody really kind of talks about the elephant in the room. You know, delinquency rate ratings, and historically for a standard mortgage are not low, they're actually relatively high, somewhere between about four to 10%. And, you know, if that if you lose your job, or you you're in financial distress, you have income reduction, maybe as a result of COVID, that payment is still do, you still have a payment to make. And if you don't make that you're 90 days away from from potentially defaulting, or even foreclosing on your home.   On this, it's a line of credit. The interest that that calculates daily is totaled up after the month is ended, and then drafted from the line of credit automatically on the 21st of each new month for you. So it's really, really hard to go late on our product. That's why we have no delinquencies and no lates No, no defaults since inception, which is just extraordinary.   Michael: Wow. That's incredible.   Justin: You know, I had a customer of mine, who we had closed on his line prior to COVID. And him and his wife had owned a fitness gym. Well, COVID came around, everything shut down. So there goes as income. Not only that, but he was also diagnosed with cancer. So there's just all this whirlwind of information, a whirlwind of just bad happening to this particular customer. However, no one was knocking on his door three months after, you know, the inability to generate that income because to Dave's point, the balance just increases. There's no There's no delinquencies, there's no late payments, it increases his mortgage balance, but he gets to stay in the home that he's living in. So there you mean you talk about security, that's, that's ultimate to me.   Dave: And that's because they've been approved for the line of credit limit, right. It's not like the old neg ATM, you know, mortgages where you're not even paying the monthly interest that's new, it's just being tacked on to the balance ongoingly kind of almost, you know, people really became too comfortable with that type of product. This isn't that you've established a line of credit based on your qualifying aspects and going through the transaction. So if you need to fall back on your available equity money that's available made available through the line of credit, it's there for you job loss. That's okay. You know, you've got a while till to get back on your feet without having to risk your home.   Michael: This is so cool, guys, this is so cool. Where can people find out more about the product? Where can people reach out to you both directly?   Dave: One of the best resources out there is the product website that's just publicly available. And it's all in one loan. com it's a great place to go to and learn more about it. And then of course, Justin, if you want to provide your information, I think that's the most direct way to learn from one of our experts.   Justin: Yeah, absolutely. I'd be happy to answer any questions. You know, like I said, this combination of the Roofstock Academy and being able to leverage the equity as, as often as I'm able to to be able to build out my real estate portfolio has really been a game changer. For me, I don't think it's something I would have even considered Had this not been the setup that I'm currently in. So first and foremost, Michael, I want to thank you and the guys over at Roofstock for providing me with that confidence. But…   Michael: My pleasure,   Justin: if anyone wants to reach out to me to learn more about the about the program and some of the benefits, I'm happy to answer any questions out, I'm sure we can get my information out there somehow.   Michael: Perfect. You can if you want, you can share it right here. And then we can put a link to it in the show notes as well.   Justin: Sure. So I can reach out to me at my office number, that number is 603-323-0755. And then my email address, oh, it's JMACAGBA, JMACAGBA@cmgfi.com. I need to spell out the last name because it's very, very unique as you can imagine.   Dave: Yeah, you said that a few times on Justin?   Justin: Yeah.   Michael: For anybody in the academy, you can I'm sure find Justin in the Slack channels as well and reach out to him. Well, guys, thank you again, so much for taking time any final thoughts or things that folks should be aware of or know, as they're learning more about the all in one loan,   Dave: I would just compel people to you know, consider why this makes such practical sense. Checking account space, zero interest, but they see the most money you'll ever flow or have in your possession any one time over over your entire adult life, right your working life, a high volume of money that passes through a checking account, your mortgage ends up mortgages end up being your constantly sick expense over time as well. linked together now we're talking about something unique and special that really works in your favor, as opposed to working exclusively in the favor of the banks. So this is not to demonize the banking industry. We all rely on them. But you know, it's I think it's refreshing to talk about a product that's really driven and it's it's, it's really puts the consumer before the before the institution itself.   Michael: Right. Great. Dave, Justin, thank you both. Again, really a pleasure to have you on and I'm sure we'll be chatting soon. Yeah,   Dave: Thank you Michael. Appreciate it.   Justin: Thank you.   Michael: Okay, that was our episode a big big big thank you to Justin and Dave for coming on. That was a lot of fun. If you're watching this on video, you probably saw my wheels start turning as we were talking about this loan product really a unique thing. And so if you're interested definitely recommend reaching out to those guys at their website or directly to one of them. As always, if you liked the episode, feel free to leave us a rating or review wherever it is listen to your podcasts. We look forward to seeing the next one and as always, Happy investing

It's another 'Mailbag Monday' on the Locked On Blackhawks Podcast, as host Jack Bushman answers a question from a couple of lucky listeners LIVE on the show! But first, the Blackhawks dropped their SIXTH consecutive game to start the season on Sunday against the Detroit Red Wings, bringing their record to 0-5-1. A historically bad start to the 2021-22 season. All that and more on Locked On Blackhawks. Part of the Locked On Podcast Network. Your Team. Every Day. Blackhawks vs. Red Wings Recap (1:50) Hawks Set NHL Record (11:05) Sellout Streak Comes To An End (14:35) Colliton & Bowman Thoughts (16:05) Mailbag Monday (21:25) Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Black Effect Presents... Street Politicians. The business of cannabis is a booming industry. Historically, marijuana has been criminalized, and many people in the Black community have suffered harsh consequences for either smoking or selling weed. With legalization sweeping the states, smoking weed has become more common than drinking alcohol. Current public interest in cultivating cannabis or becoming a distributor has been rising rapidly, but how do you actually legally sell or grow marijuana? Tamika D. Mallory and Mysonne "The General" contact the experts and get the low down on becoming a legal weed distributor or grower. Our hosts also dive into what this means for people who have previously been locked up or penalized for weed as part of the “war on drugs.” Special guest Jeanette Ward joins street Politicians from Nuleaf to discuss the ins and outs of the selling skunk. All this and more on this weeks episode of Street Politicians! Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Join Shana Lipner Grover--clinical herbalist, field botanist, and nutrition educator--as she brings us to an oak woodland at Mount Pisgah Arboretum and discusses everything from the usnea that hangs from the branches to the uses of oak bark and acorns. Historically, oak trees have been utilized for the tannins in their bark, their prolific food source of acorns, and their important role in the ecosystems they create. Shana was a student of award-winning author Michael Moore and also one of our favorite herbalists, Howie Brounstein. Today, she is the director and primary educator of Sage Country Herbs School of Botanical Studies in San Diego, CA. You can learn more about Shana at Sage Country Herbs School and by visiting her on Instagram @sagecountryherbs. Click Here to watch the YouTube video of Shana exploring the many benefits and uses of oak! Join our community! Subscribe to the Mountain Rose Herbs newsletter Subscribe to Mountain Rose Herbs on YouTube Follow on Instagram Like on Facebook Follow on Pinterest Follow on Twitter Read the Mountain Rose Herbs blog Follow on TikTok Strengthening the bonds between people and plants for a healthier world. Mountain Rose Herbs www.mountainroseherbs.com

Historically, multimillion-dollar artwork has only been available to the highest level of social elites… But a new company is bringing priceless works of art to the average investor—and disrupting a $1.7 trillion industry in the process… Scott Lynn, co-founder and CEO of , shares how his firm gives anyone the chance to invest in multimillion-dollar artwork through securitization. [2:20] When you're first to market—especially with a brilliant idea—there's always a risk of copy-cat competitors... But Scott breaks down the hard work and regulatory hurdles a company would have to go through to offer a similar service. [4:40] He also explains how fine art can enhance a diversified portfolio... highlights some impressive returns over the past two decades compared to the S&P 500… and gives us a walkthrough of the website—including how it picks artwork… and its unique secondary market. [6:50] Of note… when he was still in high school, Scott created the most popular internet game of the late '90s. Today he shares that story. [14:00] Finally, I share why I'm most excited about the security token market from a macro perspective… and highlight an incredible special offer for my advisory—including how to lock in a free crypto pick. [16:56] Enjoyed this episode? Get Wall Street Unplugged delivered FREE to your inbox every Wednesday: https://www.curzioresearch.com/wall-street-unplugged/     Wall Street Unplugged podcast is available at: --: https://itunes.apple.com/us/podcast/wall-street-unplugged-frank/ -- : https://www.stitcher.com/podcast/curzio-research/wall-street-unplugged-2 -- : https://www.curzioresearch.com/category/podcast/wall-street-unplugged/   : https://twitter.com/frankcurzio :. https://www.facebook.com/CurzioResearch/ : https://www.linkedin.com/in/frank-curzio-690561a7/ : https://www.curzioresearch.com  

Are you having trouble with getting your leads to convert? In this episode, Mike Filsaime talks about the software that he developed and sold for $20K at 16 years old and how he came up with a business idea that resulted in a $75K profit on his very first month. Listen in to learn how customers think and behave, and the keys to growing a strong customer base.   WHAT YOU'LL LEARN FROM THIS EPISODE How to build an effective email marketing list Skills you need to become a great salesperson A formula to determine the income of your business  The three things you should look for in a mentor The four qualities of a profitable and fulfilling business   RESOURCE MENTIONED Marketers Cruise   ABOUT MIKE FILSAIME After running one of the largest auto dealerships in the U.S.A, Mike Filsaime decided to follow his vision and create software designed to eliminate the pain and frustration of running an online business. His visionary ideas coupled with talented developers and designers have delivered game-changing software for countless online businesses. Following his passion, Mike Filsaime's companies have generated over $175 Million. Historically, Mike was responsible for a number of well-known "classic" software platforms, such as WebinarJam, EverWebinar, Kartra, DealGuardian, Butterfly Marketing, EvergreenBusinessSystem, and PayDotCom. Mike is now the CEO and Co-Founder of prestigious GrooveDigital™, Inc., the fastest-growing software platform for digital and e-commerce marketers.    CONNECT WITH MIKE Website: www.groove.cm Facebook: GROOVE.cm® Official — Groove CRM Platform, Funnels, Pages, Email, eCommerce   CONNECT WITH US Email: marco@marcokozlowski.com Website: https://marcokozlowski.com Facebook: https://www.facebook.com/realmarcokozlowski/ Instagram: https://www.instagram.com/marco.kozlowski/  

We are replaying one of our most popular episodes for you this week!   Dr. James Fisher answers the question once and for all, do we really need to do exercises like running, cycling, and swimming to improve our cardio? Find out the truth about cardio exercises and cardiovascular health and why you should get off the treadmill and start doing resistance training right now. The fundamental question is “What is cardio?” Even people who have seen the results of the 20-minute routines delivered by the Exercise Coach still wonder what place cardio has in physical fitness. Historically people have perceived exercise to be going for a run or what we think of as traditional cardio. Usually this takes the form of long duration and low intensity and focuses on aerobic energy production. The accepted wisdom is that cardio is just activities like running and cycling, but the truth is that any activity can become cardio exercise if done at the correct intensity. Cardio also raises the idea that we need to perform prolonged exercise to get the result, but that's not necessarily the case. The trouble is that duration doesn't necessarily translate to improved fitness. Someone going for a 4-hour walk isn't going to see the results they would see from an activity with a higher intensity level. Cardio activities like running, cycling, or swimming improve our heart health because of the sustained elevation of the heart rate. While that's true and that process also makes the heart and muscles more efficient, but it's really the act of having the heart rate elevated for an extended period of time that brings those results and it's not reserved for traditional cardio exercises. It is possible to be fit while still having an unhealthy heart due to lifestyle choices. Studies have shown that it is better to be fit and fat, than unfit. People who are overweight and exercise have better health outcomes than people with a normal Body Mass Index who don't exercise at all. Exercises that we perform that are a high enough intensity and frequency can more than counteract any of the other lifestyle risk factors. There is growing evidence that shows that effective exercise alone and improving fitness is powerfully prophylactic in terms of health and longevity. Even if you no longer see visible fitness increases from your exercise, you are still catalysing positive changes at a cellular level and prolonging and improving the quality of your life. Traditional cardio exercises are not necessary to become healthy. Strength training exercises have similar results to traditional cardio training with similar cardiovascular health benefits. It also comes with less risk of chronic joint pain. Don't feel tied to an exercise modality. Studies have shown that people have seen increases in cardiovascular health and efficiency with only a simple 12-week strength training program. Resistance training is the superior choice because, in addition to the cardiovascular benefits, you also improve strength, bone density, and muscle mass. Improved muscle quality is a jackpot outcome because it has a ripple effect that leads to all of the systems of the body getting better when we optimize the health of our muscles.   Link: exercisecoach.com     This podcast and blog are provided to you for entertainment and informational purposes only. By accessing either, you agree that neither constitute medical advice nor should they be substituted for professional medical advice or care. Use of this podcast or blog to treat any medical condition is strictly prohibited. Consult your physician for any medical condition you may be having. In no event will any podcast or blog hosts, guests, or contributors, Exercise Coach USA, LLC, Gymbot LLC, any subsidiaries or affiliates of same, or any of their respective directors, officers, employees, or agents, be responsible for any injury, loss, or damage to you or others due to any podcast or blog content.

Historically, urban renewal and eminent domain have separated hundreds of thousands of African Americans from their property and locked them out of generational wealth. But a newly dedicated park outside St. Louis, Missouri is one of the latest attempts to reconcile a decades-old wrong. St. Louis community reporter Gabrielle Hays joins Judy Woodruff to discuss. PBS NewsHour is supported by - https://www.pbs.org/newshour/about/funders

Historically, barbecue has been a cheap and delicious way to cook meat — principally by Black pitmasters who lived in poverty. Now, ‘cue joints win prestigious awards and can charge top dollar. But a lot of media attention has centered on white cooks, who make up a fraction of pitmasters. Marketplace’s Andy Uhler visited a few Texas barbecue restaurants to look at what some are calling the gentrification of barbecue. We’ll also tackle last week’s jobless claims, hear how the John Deere strike is affecting rural America and examine how climate change is likely to reshape migration.

Historically, barbecue has been a cheap and delicious way to cook meat — principally by Black pitmasters who lived in poverty. Now, ‘cue joints win prestigious awards and can charge top dollar. But a lot of media attention has centered on white cooks, who make up a fraction of pitmasters. Marketplace’s Andy Uhler visited a few Texas barbecue restaurants to look at what some are calling the gentrification of barbecue. We’ll also tackle last week’s jobless claims, hear how the John Deere strike is affecting rural America and examine how climate change is likely to reshape migration.