Podcasts about if they

There are 'one or two' staff at Respawn working on Titanfall's security problems https://www.pcgamer.com/there-are-one-or-two-staff-at-respawn-working-on-titanfalls-security-problems/ Ubisoft at "high risk" of losing talent after abuse allegations https://www.gamesindustry.biz/articles/2021-07-09-ubisoft-at-high-risk-of-losing-talent-after-abuse-allegations Capcom's anti-tamper measures might be causing Resident Evil Village's poor PC performance https://www.eurogamer.net/articles/2021-07-11-capcoms-anti-tamper-measures-might-be-causing-resident-evil-villages-poor-pc-performance Nintendo Employee Tells Fans To Stick With The Current Switch, If They're Not "Digging" The OLED Screen https://www.nintendolife.com/news/2021/07/nintendo_employee_tells_fans_to_stick_with_the_current_switch_if_theyre_not_digging_the_oled_screen Mass Effect Legendary Edition mod puts the butt shots back into the game https://www.polygon.com/22565805/mass-effect-legendary-edition-mod-miranda-butt-bioware-ea --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

If They're Singing, It Must Be True

Reach out to Bonnie Shay at bonnie@mariposaphotoorganizing.com TRANSCRIPTThis is Changing the Rules, a podcast about designing the life you want to live, hosted by KC Dempster and Ray Loewe, the luckiest guy in the world.KC Dempster  0:14  Good morning, everybody.Ray Loewe  0:19  lead in for me, you're just gonna leave it flat like that these days.KC Dempster  0:22  Yeah, I didn't want to keep talking over David BowieRay Loewe  0:28  You used to talk a little bit about the fact that you were in Wldfire Studios. Wonderful, Wild, but we're not there because we have snow. Right. Right. Right, social distancing. So Taylor is there Taylor is in wonderful Wildfire Studios. And he's orchestrating this whole thing for us, so that we don't have to know what we're doing. And it all comes out wonderfully well, right back.KC Dempster  0:52  That's right. He braved the elements. And he made his way in he probably snowshoed in and But anyway, we're all happy to be here. We have a wonderful show for you today, Changing the Rules, as our intro set is about designing your own life and then living it to the fullest. And so I will turn it over to Ray.Ray Loewe  1:17  Yeah, so we have a returning guest, Bonnie Shay from the wonderful world of Chicago, where there's about a foot of snow right now. And she's coming back, because we're going to talk more about storytelling. And we're going to talk about some of the things that our luckiest people in the world could do to make their lives more interesting. And to make the story of their lives come out the way they want it to be. Know, we've had some interesting guests have started this, we had a young lady A while ago by the name of Ashley Allen. And she came on and she talked about your personal brand, and the fact that are you showing up the way you want, you know, we we're all seen by those around us. But we actually have the opportunity to craft that story to make it what we want. We also have talked about engaging with our friends, our community in an exciting way, and keeping life exciting. So Bonnie actually started this thing because she was talking about photo organizing her specialty. And then we're gonna branch off our way beyond this. But the whole thing kind of is like storytelling can give the view of you that you want other people to have. It can also allow you to work with other people to create relationships the way you want to have them. So with all that, and it's kind of a wide open kind of a thing Bonnie Shay, Chicagoans. Extraordinary snowshoer. You know, what else are you doing these days? WhyBonnie Shay  3:01  cross country skiing to get through the snow? Absolutely.Ray Loewe  3:07  Right? The bicycle doesn't work. Exactly right. It'sBonnie Shay  3:12  a little snowy for bicycles. So you got it cross country skis, you know, you don't need batteries, you don't need gas, you can just need snow, and we got it. So we're in good shape.Ray Loewe  3:24  So let's start at the beginning here. And we got a lot to cover. And you've got some magnificent ideas for us. But let's go back to photo organizing. And let's go back to the fact that some people have these piles of photos that don't have much meaning anymore. They're in a binder somewhere and in attic and they gather dust. And if they're not put together the right way the kids eventually toss themBonnie Shay  3:52  out. Right. Exactly, exactly. So when I started to be helpful, Ray and KC is I'm going to give sort of a background of what I do, and how I've changed especially with this pandemic, because so many people have found their boxes and boxes of printed photos, hiding in their closets and attics and basements because we've been extra time at home, looking around and organizing our lives. So my specialty is I curate large family photo collections of printed matter. And because I think that they're at the highest risk of getting lost or damaged in our day and age right now, we're not backing up our printed photos, like we are our digital photos. So I help my clients basically by A: putting them their photos in chronological order, and then editing them to the best of the best because we want to look at quality over quantity. We don't need all of their photos. And then scanning them digitizing them so that they're now available to share with others. And I realized over the years having a fabulous digital scanned photo collection on a Thumb Drive or an external hard drive was only part of the gift that my clients were giving to themselves or to their children. The priceless part of the gift is capturing the stories behind the photos, so that they can relive the memories, and have them to share with their kids, grandkids and future generations. So professionally in recent months, I've thought of multiple ways to share stories. But I want to give you a little more background on giving people not overwhelming your listeners. Because sometimes this could be like so overwhelming to think of, Oh, I have to tell my story now not just digitize my photos. So let me share with you. I think a lot of people think of their mountain of photos, than their mountain of stories is like sitting in front of them. And they don't know how to climb a mountain. They don't have the equipment, they don't have the training, they don't have the time, like how do I climb the mountain. So I think if you have a lifetime of photos, you don't feel like you can accomplish the organizing or the stories overnight, because it's a lifetime of photos. So it takes time. And what I suggest people do is chunk it up, chunk up your photo collection or chunk up your story. So my one of my favorite adages, and I think I've shared this with you guys before is I have a question for you. How do you eat an elephant?One bite at a time.Thank you, KC Exactly. So if we have this mountain of photos in front of us, or we have our lifetime story, because we're 60 or 70, or 80 years old, we got to chunk it up, we can't eat that elephant in one bite, we got to do one bite at a time. So I can connect Ashley Allen to this, this podcast because she gave me a gift many many years ago. And it was a five year journal. Basically, it's a blank journal and you have one page for each date. And on each page, there's five years worth of opening, you know, lines that you could put five years worth of each date on that. To me, the gift right now that I'm getting is I'm in the fifth year. So when I went to journal on February 1, I can look back at the last four years of February 1 that tells me what was I doing? What was I feeling? What was I thinking, and it's a little snippet once again, chunking it up? I'm not writing pages and pages about each day, I'm writing little chunks. So that to me is a beautiful. And my last thing I'll say before we get into more stories is one of my favorite quotes is in the book of 1000 places to visit before you die. And in fact, Ray, I think you gifted me that book. It's an introduction. And the quote is, "there is no such thing as a bad trip. Just good stories to tell when you get home.Ray Loewe  7:48  Yeah, stories get better. The better the trip, the better the story,Bonnie Shay  7:53  the more memorable, right? So I want people to look at their lives, even if they think they don't have a story to tell they do.Ray Loewe  8:03  You're setting me up over here. So we're now we're talking about chunk up your stories that fit into the bubble of chaos that we talked about in the last podcast that we did KC. or separate. I guess it's separate. Yeah. Anyway, Bonnie. We've got so much to cover. So let's go in with a couple specifics. I know that you work recently with a client that was an older client, and you basically took some photos that she was in or she was involved with. And you interviewed this person. So tell us about the process. Tell us about what the mission was. And tell us about the results that you've got out of it.Bonnie Shay  8:43  Awesome. So yes, my client asked me to record his mom telling stories about some of the photos. And I already knew some of the stories because I had grown up with this family. And so we had about 20 different little vignettes that I wanted her to talk about. So we sat at a table together with my iPhone, I didn't use high tech equipment, I use my iPhone, and we recorded on a voice memo, her voice telling a story. And sometimes I prompted her with a follow up question because I knew there was a piece that she was omitting. And so she had fun just telling the stories, and you can hear it in her voice like she's like reliving this memory. So it was a gift to her to do that. It was a gift to her son and her grandkids because now they have mom's voice telling them stories. Maybe they've heard the story before. Maybe they didn't. Maybe they've seen the photo, maybe they didn't. And what I did was I took the audio track and the digitized photos and use iMovie which is the basic moviemaking program and made little one to three minutes snippets of these stories. And so they all sat around their TV one night a couple weeks ago and watch them and the wise was like a gift and it started conversations and so they added more stories. Just as they were sitting around the TV watching these little snippets, and there's just a beauty into hearing someone's voice and seeing a photo that they're talking about. And that's what we created.Ray Loewe  10:12  So so, this is something that anybody could do if you have older people in your family or even younger people, and you have photos that are interesting, take the photo and make it come to life with a story. Okay? And you don't need high tech equipment. And even though you're a pro with this, you don't have to be a pro to make it happen.Bonnie Shay  10:33  Exactly. And initially, I thought I want to videotape his mom doing the stories. But that was higher tech, and that would be distracting visually, because it's really about the photo. And so it was a perfect combination of senses to engage.Ray Loewe  10:47  Okay, now, you also told me that there are a whole bunch of tools out there, right? You mentioned me that you're taking a memoir, memoir writing class? Why tell us about that? How does, how does that fit into this kind of thing?Bonnie Shay  11:04  Well, because I'm getting practice on telling my own story. And I was introduced in the first class, the idea that someone might decide they're going to sit down or write their memoir, well, they think they need a whole week if they're going to sit down and write their whole memoir, because they're thinking I got to write my whole memoir. And they said, No, a snippet. And so what we do is in this class, and I'm going to encourage your listeners to take a class in the local wherever they are, or it doesn't have to be local, because we are on zoom all the time now is they give us a prompt for our class. So we have homeright homework. So today, the cry of class tonight, the prompts are fifth grade, friends and nicknames. So just in the beautiful part of that is that you don't have a blank slate that you're sitting down to our blank piece of paper a blank screen to like start writing your story. No, it got me right to exact stories. Fifth grade? Oh, yeah, I was friends with Mark Goodman. In fifth grade, we did this we did that I could capture. Once again, we're chunking it up in a memoir class by just saying, Okay, let's get a little slice of what I did. And what I who I was.Ray Loewe  12:14  So how important do you find the class the sharing the stories?Bonnie Shay  12:21  Um, well, the interesting twist on it was we all wanted to read our own stories, because in class, we were told that they were going to be read for us so we could listen. And we like, no, it's my story, I got to read it. But lo and behold, the teacher read it. And she said, because she wants us to listen and hear our own words being spoken by her. And then it's really it's like who such a simple thing, but it's powerful. And we all were asked to take notes so that we could give feedback, because there's nine of us in the class, we could each give feedback to each of each of the reading, you know, the person's. So we're getting good constructive feedback. And you just realized the value in your story.Ray Loewe  13:07  So there's lots of things that can help out there on the internet, right? You introduced me to something called Meaningful Photos. They were out in Berkeley. This was a nonprofit kind of thing. And it was just another way to get people to start telling their stories.Bonnie Shay  13:26  Exactly, yes. And you can take some photos and tell a story. It could be a new photo, it could be an old photo, it's timeless, you can do it in any part of your life.Ray Loewe  13:37  And if you need help with it, you can get other people to do that. So you were telling me about somebody who memoirs for me? Okay, this is somebody who will actually write your memoirs for you if you want.Bonnie Shay  13:49  Correct, she interviews you and then writes the memoirs. Exactly.Ray Loewe  13:53  Okay, now, I want to do an about face on you and put you on the spot. Okay. So we've been talking pretty much about somebody who is older, who has thoughts and memoirs writing about them. Okay, what can we do with stories the other way? Let's suppose that I'm a grandparent, I want to bond with my grandkids, you know, how can I create these memories with my grandkids involved in them? Any thoughts?Bonnie Shay  14:29  Well, I'll borrow the concept from you. Because when you and I were talking a couple weeks ago, you mentioned the idea of like, let's say I'm a grandparent, and I take my kids to the zoo. And we go for a day in the zoo, and we see all the animals and we take pictures. And I could write a book. And I'm just talking about a basic book for kids with a few photos and little captions to tell them about the story because maybe they were only two years old or four years old, and they're not going to remember in 20 years, but let's capture it and it's going to be a book. If They're in the book, kids always love their own picture we all do. So it's a gift that they can still read over and over again before bedtime whenever grandma and grandpa comes overRay Loewe  15:13  and read when they're in their 20s to their grandkids, okay, because, again, it's a book about them. All right. And, and, and the stories go on, you know, we had Rebecca Hoffman on while ago, and she was telling about the power of a story told, well, what good story told well, and their stories are everywhere. So the whole idea is, how do we capture them? How do we help them, we take them to photos, we can write them in form of memoirs, we can go to a memoir writing class. You know, KC, you know, you did something with old family videos. Now. You've told the story before. So give us a short version?KC Dempster  15:57  Oh, oh, fine. Thanks. Yes, my, you know, growing up, my father had a 16 millimeter camera that he would take family movies, and we found out that he really was taken with our Christmas trees, because we have a million pans up and down of Christmas trees. But my sister had all of those reels of film. And she sent them away and had them digitized and sent out to all the brothers and sisters, there's seven of us. And so one night, I set up a zoom call, and everybody got on, and I played the video. And we all watched it together. And we're laughing. And, you know, our family's pretty spread out in age. So some of the younger siblings didn't know who some of the people in the earlier videos were. So we were telling them who they were. And, and it was really, it was a most enjoyable evening. And it went a little bit long, but it was great.Ray Loewe  16:59  Okay, so so let me bring this back to the luckiest people in the world. Okay, so we have this group of people who call themselves are the luckiest people in the world. And that's because they stay engaged, they make their own lives, they don't put up with rules that don't belong to them. And they, they want to keep going, you know, they don't want to sit down on their rear ends and let life just go by. And somebody gave me a quote the other day that's perfect for that. But it's that these people don't sit there and worry about aging. They instead think about life. So how do we add life to things and I think we've got a couple of good threads over here. Number one, if you are a senior citizen, and you want to tell people about you want to impart your wisdom to them, you know, how do you do it in an interesting way, so that people will actually read it and stay there. So Bonnie gave us some great ideas here, you know, you use the pictures, you use the word. I think the other thing here too, is how do you engage with your grandchildren? And how do you kind of tell a story that they'll be interested in? It's not your story anymore? It's our story. How do you get the whole family involved? And and I think what we're going to do as we move forward here is we're going to be talking a number of times, about how you do this from different perspectives. And it not all doesn't all work for everybody, you got to do it in different ways. I know the kind of work that Bonnie does. I I know if I wanted to be interviewed about a photo, she would be the one who would be interviewing me. And we would probably spend the entire day laughing.KC Dempster  18:52  Yeah. And, you know, I was gonna point out that, you know, generations ago, families pretty much lived around each other, there was not a lot of moving away. So kids growing up, were hearing oral history all the time. Because the the, you know, the adults would sit around and talk about things and kids Listen, and they absorb things even if they don't realize they are. But nowadays, we really do have to make more of an effort to to get that story out there. And so I love this idea of taking a picture and telling the story of it. I think that's a great idea. And the memory of just just picking one little era of your life or one experience and and telling the story makes it so much less daunting.Ray Loewe  19:42  Yeah, except I have this picture of trying to eat an elephant my head.Bonnie Shay  19:49  Ray, I'll get you a chocolate elephant and you'll have no problem. Except you'll eat the whole elephant, right? Well, youRay Loewe  19:57  probably couldn't put it in a cup. Pour hot milk over marshmallows.KC Dempster  20:03  Well, Bonnie's not aware of that yet.Bonnie Shay  20:07  I've heard of it. I've heard of it. I want to tap on to KC, what you were mentioning, too, because a lot of my clients come to me and say, Bonnie, my daughter, my son, whatever, they don't want these photos, they don't care about the photos, whatever. I mean, many say there, they do, but some don't. And I explained to them that, you know, with my perspective, you know, in my 60s, each generation has a different perspective on photos, stories, videos, history, you name it, and it changes as you grow older. And the minute I had children, my appreciation of my parents as parents was totally different than when I was a kid. And then unfortunately, I lost both of my parents at very young ages. And so I did not have them to tell me the stories as I wished. So I'm just wanting to impart suggestions on people, even if you think your kids could care less about your photos. It's just because they're at a time in their life, that maybe they're so busy raising their own kids or working or whatever. But when you are gone, they will wish they had your story.Ray Loewe  21:13  And especially if you edit them down to a relatively small number of really meaningful photos, as opposed to the hodgepodge in the book. One of the things that we have now, this COVID stuff has been a pain in the rear ended on a lot of ways. But it's given us time to think it's given us time to work on these projects. And now's the time to take advantage of those things. We're going to be here for a little while yet and take the opportunity to create history one way or another add a good story, well told is worse. You know, somebody told me this a good story well told is worth 1000 words that doesn't quite fitKC Dempster  21:56  somehow. I think you're I think you're you're combining two sayings, but that's fine, because it's very meaningful.Ray Loewe  22:02  Well, well, but I can't even talk anymore. So Bonnie, thanks so much for being with us. And it's Bonnie Shay, Mariposa of for photo organizer.com. Right. Am I close? And it will be on our website in case you have questions for Bonnie or you need her services in any way. So have a great day, everybody and KC, what's happening, going? Well,KC Dempster  22:30  we want people to keep tuning into our podcasts. We're going to talk more about stories, we're going to talk about some other themes that were lining up. Because we we we want people to take control of their lives and and there's a lot of aspects to that. So keep coming back.Ray Loewe  22:49  Cool. And see you next week everybody.Kris Parsons  22:53  Thank you for listening to Changing the Rules, a podcast designed to help you live your life the way you want and give you what you need to make it happen. Join us next week for our next exciting topic on changing the rules with KC Dempster and Ray Loewe, the luckiest guy in the world 

As we know, "theater is dead, a putrid vessel of the forgotten time. The kind of putrid when the skin becomes wax and raccoons not only feed but make love to what's left of the flesh." These are the quotes from today's interview with Chad Austin Pierce, a distinguished theater actor "from one of the Americas," who's graced the stage at many places we never heard of, like Monte's Carnegie Hall (different from *the* Carnegie Hall). Chad Austin Pierce, who proudly doesn't own a pen and refers to writers as "scribblers", predicts that standup comedy will save live theater. He gifts us with a brand-new standup routine where each joke is prefaced with an extensive backstory and character development. "If They're Laughing Too Much, They're Not Bothering To Think." Enjoy, just prepare to hear the word "putrid" a lot. Subscribe to Joe Cabello’s Patreon for as low as $1 a month to get first looks at his new horror graphic novel and posts about how it’s being made, as well as exclusive stories, short films, and more. Email us at shutuppod@gmail.com Twitter/Instagram: @shutupiloveit1 Facebook: https://www.facebook.com/shutupiloveit1/

“If you want to do something, chances are, somebody has done it before you. And this person is probably no smarter, no more educated, and no more experienced, than you are. If THEY can do it, YOU can do it, too.” —Scott Welle. In this solocast, I reveal the TRUTH about how Outperformers gain confidence towards getting started and keeping going, namely through prioritizing the process, reference points and vicarious experiences. Show notes and the video for this episode can be found at https://scottwelle.com/the-truth-about-confidence-2/. This is part of a 2-part confidence series, with the first installment detailing why you’re - probably - already an authority and how your competence SHOULD fuel your confidence: https://scottwelle.com/the-truth-about-confidence/. Also, please follow me on Instagram at www.instagram.com/scottwelle/. Enjoy and please share!

Welcome to Finance and Fury, the Say What Wednesday edition. Policies that governments and CBs have implemented that affect asset values   Relates back to Ryan’s investment thesis - As a millennial I understand that the government has to do their best to keep the ageing baby boomer asset prices (predominantly US share market and Australia property) high so they don't have to fund them in retirement through pension- though I am not sure I am that interested in paying top dollars for these assets in which puts me right out there in the risk curve for not a high enough potential return.   Go through monetary policy and how this has affected asset prices – and how it will likely continue to do so   Reasoning for policies that have inflated asset prices - Not for the reason of pension funds - Not sure about the government not wanting fund pension – They aren’t funding them – we are with tax money – there is no asset sitting there to fund it – If They are trying to keep asset prices high – it is for the wealth effect – spending effects due to confidence Or for their own wealth – financial disclosure for the fed board came out and they are all multi millionaires with trusts and investments into indexes and shares that suspicious benefit like GE Also politically expedient for the larger chunk of the population – keeping the largest group of the voting public happy – or those why pay them the most in the way of lobbying Property – most people live in this and cant fund their retirement off it – land restrictions and taxes haven’t helped Look at traditional assets – for investment Strategy in places i.e. can’t beat them, join them - However – monetary policy is not fiscal policy – Governments are directly keeping a lot of asset prices high – Monetary policy from CBs has a greater effect – lets run through them one by one   Cash itself – in times of uncertainty or need of liquidity is king – but not a good asset class – shouldn’t be seen as an investment – it is a medium of exchange infinite money-printing will eventually destroy fiat currencies – by when? Why knows – With the acceleration of printing it may be far quicker than might be generally thought This final act of monetary destruction follows a 98% loss of purchasing power for dollars since the London gold pool failed – established in 1961 under the Bretton Woods system – but lasted less than 10 years with France first pulling out in 1968 - and then the gold window fully collapsing in 1971 And now the Fed and other major central banks are committing to an accelerated, infinite monetary debasement to underwrite their entire private sectors and their governments’ spending, to prop up bond markets and therefore all financial asset prices Have to rethink inflation theory - Inflation of prices – not goods inflation is commonly presented by modern economists as a rise in the general level of prices – based around theory this is correct – but misleading Going back to the pre-Keynesian definition - inflation is an increase in the quantity of money which can be expected to be reflected in higher prices Expected to be reflected in higher prices – important the expected part – as it is theoretical as the effects on prices can be a number of different factors Split into two categories – prices of consumable goods -and prices of other assets – shares, property and bonds For price inflation of goods - The effect of an increase in the quantity of money and credit in circulation on prices is dependent on the aggregate human response. In a nation of savers, an increase in the money quantity is likely to add to savers’ bank balances instead of it all being spent - in which case the route to circulation favours lending for the purpose of industrial investment – this was historically the case Product innovation, more efficient production and competitive prices result; and a price countertrend is introduced, whereby many prices will tend to fall, despite the increase in the money-quantity. Banks used to need savers – but not anymore – have capital notes and investors – along with Central Banks to provide all the funds – plus – there is no free market for interest rates due to competition between banks for your cash now When you don’t need savers – you can have very low interest rates - Trends for higher levels of household debt which then takes away from savings further Which lowers people’s ability to consume domestically – and need more imports from other countries where goods are produced more cheaply – this has a deflationary effect on goods On the other hand – Asset prices increasing can be a by-product of increased level of money – money created through credit (or debt) has to flow somewhere - Now the breaks are off when it comes to additional credit being produced – means more money into the system – If this goes to main street – may see inflation in consumer goods – helicopter money policies If this goes to wall street – which most is – will see inflation of prices – Regardless of where the money goes – eventually when too much money is introduced you get too much debt to be covered by the economy – ran though this in the debt jubilee episode – eventually a fiat currency collapses – what happens to the assets in the country where the currency fails? Looking historically - process of a developing collapse of a currency usually starts with outsiders reducing their exposure to it astute speculators would start selling off assets that back the fiat currency – bonds and treasury notes In the modern economy - it is impossible to judge how it will play out - but the USD dollar having the role of reserve currency appears to be most exposed to foreign liquidation – outside of the US economy - foreigners account for $25 trillion USD in assets held – from equities, treasury notes and bonds, deposits and cash – most of this cash is in assets outside of deposits though - There is little incentive to hold cash – beyond the stability and liquidity it provides – interest rates are too low – Inflation creates a negative real return – without Even the thought of negative rates   Currency destruction and the policies that have affected asset prices – again - created money has to flow somewhere In addition – due to cash being devalued – and saving rates being low – people put money into other assets that are expected to beat cash returns and inflation – these are your more traditional assets like shares, property Need for assets with good capital growth – but the issue with most Major assets that have been propped up by monetary policy – the same monetary policy that is destroying the dollar Not all assets within these groups are the same – go into this more next episode – But property – block of land or an inner city apartment – shares in a tiny mining company that is still yet to make a profit or shares in Telstra or WOW – Bonds – Aus Government bonds or capital notes issued by Virgin This being said – for the purpose of simplicity when talking about how policies have affected them – I will be talking about as an aggregate - Bonds – the debt instruments themselves Increase of supply – but also increase of demand from the debt instruments March saw record outflows from corporate bond funds (-$42bn) – investors worried about corporate defaults – but since then = now witnessing record inflows to corporate bond funds (+$85bn since the start of April) – as the back-stopper in the form of SPVs and the Fed are there to soak up supply Traditionally - Bond yields - which cannot fall by much – should begin to rise as a government deficit increases – due to risks of holding – but with the Fed and other CBs actively pushing these down – no additional returns for the higher levels of risks of defaults – This also pushes up other assets with it – Monday episode on WACC – that is for shares Also the episode on CAMP – with the risk free assets expected return going down For property – the purchase of mortgage funds also has an effect Bonds have had a good run for the past 20 years – negative price relation to interest rates Interest rates decline – price of bonds goes up – with older bonds with fixed coupons at 4% - they are in high demand – but you pay top dollar off them As a millennial investor – probably not the best long term investment to put large chunks of money into if capital growth from here is a goal Property – are paying top dollar in Aus - Banking regulations and inflation targets – lowering interest rates I think high property prices is a by-product – inflation targets and demand side theory = lowering interest rates an easing of credit If interest rates rise – bad for property – affordability for interest rates - I think will be a driving factor for growth On the Government side – it is town planning and taxes/regulation that keeps property prices high Don’t think that this is the intention of these policies – more a second-order effect But in conjunction with monetary policy – which has spiked demand – created high property prices Demand- not viewed as people alone – but how much credit people have access to Aus population not that large compared to other countries – especially for the amount of available land that we have – but the amount of household debt we have is large Limited supply to a handful of major cities – decent average incomes to service debts And large demand through falling interest rates – giving the additional perception Inflation targets – real value of debt goes down – so borrow money to invest in an asset class that gets capital growth Shares – Main factors – Increased credit availability, QE and lowering interest also affected demand for shares Shares are a representation of a company -not all companies made alike – Money through QE – enters the financial system and has to flow somewhere – Example – investment manager or Super fund – sells bonds – gets cash – cash gets invested somewhere – shares or re-rolled into bonds – Increased ‘liquidity’ turns into artificial demand for assets – pushing prices up Increased debt and availability of credit it has pushed the market up Leveraged investments in shares – either from home equity, margin loans, leveraged products Large rise in margin trading accounts – all increasing the size that can be demanded for shares – if you have one person with $10,000 – that can gear at a 75% LVR – create $40k of cash – equivalent of having 4 people with $10k each - Increased share prices through share buy backs Similar to Property – investors are aware of Inflation targets – real value of debt goes down – so borrow money to invest in an asset class that gets capital growth Another factor - Lowering interest rates make people move up the risk curve to get an income Bonds and Cash both pay almost no income at the moment – so the ‘blue chips’ can be seen as an alternative All assets can be propped up on prices – overdemand – hand sanitizer or toilet paper Not to avoid these – but be aware – That some of the assets that have benefited – and likely will continue to be benefited – relating to Ryan’s point on potential returns Out of these – Don’t expect Shares to have a significantly lowered returns – Aus Shares – Returns come from Dividends – 2-4% growth on average – but more comes from dividends and FCs Unlike US share – Aus shares haven’t been the major recipients of US QE policy The increase of credit doesn’t look like it is going away any time soon – and with it – asset price inflation However – this may create a situation in which they will have to “reset” the system in some way or another – based around CB and IMF white papers – looks like they are thinking of a completely centralized digital currency – whether it is country by country or a one world system – hard to tell – but a shift to digital is likely - central banks that were researching CBDC’s has now risen to 80% Don’t think that CBs will really let the dollar fail at face value – will do a monetary reset before that Shifting to digital - Final part next week will look at alternatives like Crypto or gold Also look at the investment strategy of focusing on real assets – and the importance of this in a world with increasing funny money Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/

Let me be clear I am not here to talk about Dr. UMar personal life. I don’t know him and his not mine friend. Earlier today he went on live Instagram talking about going back to Africa. He is phycologist and Pam Africanist . Who resides in Philadelphia. Now there a lot of things he spoke about during live discussion. He talk about we need to have a homelands to back to. However he failed to realise the America’s is our homelands not Africa. The so call black people who resides in the America’s are Hebrew Israelites not African. Let me asked u this question where were the African during slavery. Did send an army and shipped to come get us. I’ll wait no. I know racism is global phenomenon. I know the IMF , US Government, France , England. Portugal, Netherlands and Israel have destroyed Africa Cour de Eta and embargo. Secondly African have a tribal mindset and they’re leaving the continent by the millions every year. That’s why Africa have remained disable for hundred years. You shouldn’t oppose your view on people. You should let each individual make up their mind .If They decided to go back to Africa. It should be individual decisions. What we need to focus on for us to create our own nation. Now those of us who are business men and women. Who want to invest in Africa. They can go back if they choose to. Please don’t tell us to go back to Africa. We built this nation. This is our homelands not Africa. Please go read the Dum Diverse a decrees out of the Vatican by Pope. Get knowledge and understand. It’s we stopped this nonsense. Call in Let’s discuss --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/johnrosemberg/support

 Look at the way people pursue their worldly ambitions! If THEY are SO eager for uncertain riches, why are WE not MORE enthusiastic and faithful in pursuing and promoting the true values? Listen as Aaron challenges us to apply the parable of the unjust steward (Luke 16:1-15).   if you like what we do then consider becoming a patron: www.patreon.com/nearcurches 

Why is it so hard to make friends post-grad? I remember really struggling with this a few years ago and not really finding anything on the internet that gave me meaningful advice about this problem. I even saw a therapist who really wasn't very helpful (since then, I've switched therapists). These are the strategies that actually helped me make new friends after relocating to Philadelphia. For one, you must have the right mindset to attract new friends. When I first moved to Philly, I considered it temporary because in the back of my mind I knew it was a 3 year commitment. But because I considered it temporary, I'm certain I was putting off a vibe that I didn't want to make meaningful friendships (and therefore did not). If you're in the wrong mindset, people can pick up on something intangible that is off about you. Once I started to think of Philly as home, that's when I finally started to make new friends. So make sure your mindset is open and that you consider your new home one in which you will put down roots (even if you know you may relocate again)! These are some of the best ways to meet new people: Join a pre-built community such as: A fitness community like a run club or yoga studio A sports league or trivia league or some other sort of team or club A church If you're at a loss of what community to join--try getting a second part time job or even volunteer in a field you are passionate about Join extracurricular activities or special projects at work that would expose you to more people besides your main team Once you start to meet new people, use these strategies to turn acquaintances into friends: Be the coordinator. Set up the activity that will get you with a potential friend or friends outside of where you met them. Make the other person feel comfortable. Ask questions and really listen. Ask thoughtful follow up questions. Not like an interrogation, but let them do as much of the talking as they feel comfortable doing. Be consistent in setting up "friend dates" with your chosen acquaintance. You must continue to cultivate the friendship! Right now it's tiny little sprout and you want it to become a big beautiful garden--so you must continue to feed and water and care for it! If THEY start to invite you to things, try to say yes as often as you possibly can. If you say no even once, they are less likely to invite you next time. If you can't go, make sure you suggest an alternative date when you say you can't go. Be patient. It can take much longer than you think to make new friends. Don't get discouraged--it will happen. Understand that it's pretty rare to have a big friendship squad in adulthood. You're more likely to have more individual friendships than to have a squad of 10 friends that hangs out every weekend because frankly, most adults ain't got time for that! Don't try to force disparate friendships to come together into a big friendship squad. You're not failing at friendship if you have a few individual friendships. Thanks for tuning in. I would love to know your feedback! You know what would be super cool is if you took a screenshot of this podcast and then posted in your IG stories with your favorite quote or a question you have! Make sure you tag me @kristenkacinski so I get notified when you post :D Did you know I'm also doing long form video on IGTV plus a whole bunch of other cool things on Instagram? Check me out at www.instagram.com/kristenkacinski! The website for this podcast is now www.talkhealthytomepodcast.com. Until next week -- cheers!

Try to Be a Smarty-Tell Me Who This Famous Person is and If They are in Sausage Party

Try to Be a Smarty-Tell Me Who This Famous Person is and If They are in Sausage Party

The What Would Bernie Sanders Do Podcast is back! Why? Well, even when broadcast media thinks they are "fact-checking" or dispelling the lies about immigration coming from the Trump administration, the lies are still repeated far more than the truth. The lack of accurate and persistent pushback from the talking heads on CNN, MSNBC and NPR led Dr K to revive the podcast. If THEY are going to let Republicans and conservatives continue their fearmongering unabated, WE aren't! To counter the five biggest immigration lies, we offer facts you can use when confronted with conservative excuses for our punitive and superfluous immigration policy.    As Democratic Socialist Alexandria-Ocasio Cortez emerges victorious over establishment Democrat Joseph Crowley in New York's 14th Congressional District, her statement on the virtues of Democratic Socialism resonates with constituents of all colors and religions. What it reveals is that the current conflict in our country is not left versus right or Republican versus Democrat, but humanity versus inhumanity. A new wave of legislators will restore our society's grip on reality by doing what's right for the people, not a blue wave that'll do what's right for the donors.    The wisest judges in the land no longer make decisions based on precedent but on this president. The John Roberts majority proves in two of the Supreme Court's latest decisions that the law of the land is deceiving women and showing clear prejudice against Muslims based upon the premise of "national security." We debunk the court's argument and expose the Supreme Court’s majority for what it is--a branch of Fox News and thus the White House.    Are you a humane individual? You might think so, but play along with our new game show "How's Your Humanity?" and see if you're as compassionate as you think! And we suggest groups you can contact to help immigrants fight back. so stay involved, protest, march, spread reality on social media and support humane candidates on the local level, and you will forever FEEL THE BERN!!    Important links!   https://dreamers.fwd.us/   https://www.womensrefugeecommission.org/   https://www.detentionwatchnetwork.org/about   http://www.immigrantjustice.org/about-heartland-alliances-national-immigrant-justice-center The What Would Bernie Sanders Do Podcast is Dr. Barry Kaufman with Host Darren Stephens and is produced in Chicago by Ruth Kaufman. Information on the podcast is supported by the Facebook page https://www.facebook.com/groups/whatwouldberniesandersdo/  Find us on Twitter and Instagram @wwbsdpodcast. Music by Robin Bienemann http://robinb.org/music.html. 

What's the purpose of homework?  Students hate it, parents often say it's too much or interferes with home life and students free time, and teachers - who knows what they're thinking?! Is it punishment? Is it assessment? Is it busy work? Is it necessary? The answer - it depends. This episode explores the origination of homework and discusses different ways to look at the purpose of homework. We ponder such questions as "should you grade homework?" and "what's your end goal for assigning homework?"  Not sure we get to any definitive answers but we touch on a lot of topics related to the purposes of homework, grading, alternative ways of thinking about homework and intersperse a lot of our own personal experiences and strategies with homework.  Below are several of the links we found while doing our own research on homework that might be helpful if you want to explore some of the research and insights behind homework and it's purpose.  Article from American Psychological Association summarizing homework research: http://www.apa.org/monitor/2016/03/homework.aspx Article from Alfie Kohn (noted education researcher) “Does Homework Improve Learning?”: http://www.alfiekohn.org/homework-improve-learning/ Edutopia article on homework research trends: https://www.edutopia.org/blog/research-trends-is-homework-effective-youki-terada Educational Leadership article on motivating students to do homework: http://www.ascd.org/publications/educational-leadership/feb06/vol63/num05/If-They%27d-Only-Do-Their-Work!.aspx Doctoral dissertation from East Tennessee State on parent/teacher perceptions regarding homework: http://dc.etsu.edu/etd/3283/ ASCD article on the purpose of homework http://inservice.ascd.org/whats-the-purpose-of-homework/  A history of homework https://www.quora.com/When-did-schools-start-implementing-homework-as-a-regular-activity-in-education NEA article on homework - should we assign it? https://www.quora.com/When-did-schools-start-implementing-homework-as-a-regular-activity-in-education Enjoy the podcast and please don't forget to subscribe to us on iTunes and give us a rating!!  We would love your suggestions as well for upcoming topics.

Happy Thanksgiving! Recount in Wisconsin! Viva Fidel! Willy’s Two Cents! Not That Joe Walsh! (He doesn’t play on Take It Easy either.) The Media Covers the “Hail Trump”, Finally! Bill Mitchell, Radio Hack! If They’re Payin’, We’re Slayin’! A Trumpzi Calls In! Chance, Eric, and Corey Call In! Hail Trump!

Happy Thanksgiving! Recount in Wisconsin! Viva Fidel! Willy’s Two Cents! Not That Joe Walsh! (He doesn’t play on Take It Easy either.) The Media Covers the “Hail Trump”, Finally! Bill Mitchell, Radio Hack! If They’re Payin’, We’re Slayin’! A Trumpzi Calls In! Chance, Eric, and Corey Call In! Hail Trump!

Recently I was encouraging a client to get busy moving her product. After about 20 minutes she told me she just needed to learn how to overcome the fear of selling. Bingo - that was the issue. The fear was pushing her to do all kinds of work on the business - none of them making money or serving customers. Until that point, she had sounded 120% confident in her product and her plan and I thought she was going gangbusters. Yet, at this moment of honesty, she told me she had yet to sell anything and was actually afraid of selling. Overcome the Fear of Selling for Good [Tweet "Overcome the fear of selling by focusing on serving  #FearofSelling"] Some "quick" fixes to overcome the fear of selling and the resulting resistance to your business growth. Believe Be honest - do you think what you are selling will help people? Most people trying to overcome the fear of selling will admit they just do not believe what they are selling with help their clients.  This is critical. If you work for a company and you do not believe in their products - time to move. If they are your own products and services, you need to understand how they impact your customers. To do this, interview past customers. How did your product or service help them? If you have not sold anything yet, ask people who you have helped for free or who have bought from other service providers how the products and services helped them. Whatever you do, do not trust your internal marketing machine - you have to do it. (This is especially true if you are selling network marketing kind of products where the hype is huge.) Become aware of what makes a customer Everyone is NOT your customer - even if they need it. For instance, driving around in a beat-up car does NOT make them a customer for your body shop. Fat people are not automatically a customer for your gym. In fact, often your customer will look like they do NOT need your product. Fitness centers do a bang up job selling to people who are already fit. Your job is to get some understanding who it is that loves to buy products like yours. Prequalify them - Do they want and need what you are selling When a customer self-identifies as someone who wants your products, you have a winner. Lead generation can really help in this area. Websites use lead generation through lead magnets - those forms where you enter your email to get a freebie of some sort. No matter if you are a storefront or a web based business - lead magnets can prove to be very powerful. For instance, if they download a brochure “5 ways to get fit in less than 15 minutes per day" they might be a customer interested in fitness on a time budget. Other things you can do is find ways to get them to tell you what they need. We use this in marketing our graduate program in engineering management. Instead of us selling, we ask questions. Tell them how you can help them Anytime someone spends money, they are investing in the solution. So, what solution do you provide for them. Tell them how you can solve their problem. It is up to them to decide if they want that problem solved. Offer 3 options is a great way to let them chose A very powerful strategy for selling is to have your products in packages. Think of the Bronze, Silver and Gold plans. Let them pick which features they want. These plans often have the effect of increasing the value of the sale. If They cannot buy from you - have something ELSE to offer Customers who do not buy from you might not buy because of price, timing, or they are just not a fit. If it is price or timing, can you offer them something for free? Think about having lower priced products, a freebie tutorial that will help them do themselves, or even a referral to a competitor. Thank them but Never apologize for the price No matter if they buy or not, thank them for their business and allowing you to serve them. Even if they walk away with nothing - you have likely helped them make better decisions.

Welcome to The Sport City Cookout party people!  This show is all about you the caller..... any thing in the Sports World that you would like to discuss will be taken care of by the best cooks in the World Wide Web.  From The MLB Postseason talk to the Week 6 closing and our thoughts and perspectives on some of the teams to this point as well.  Join Tommy Beard and Tyrone Powell BKA TP Tymeless as we cover that good ol' Food For Thought hopefully yall can do the dishes.  So Tell a friend to tell a friend that its the Sport City Chefs Again.  If They don't know.................................... NOW THEY KNOW!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Ross miller And Mc Fixer Talk about IF They should go back to Destiny

--{ Bureaucratic Niche for the Nouveau Riche: "Holy Science's Tenets Changed, yet No Histrionics, "Overprinting Cash Causes No Inflation", IMF on Economics, We Know the Money Game is as Old as the Hills, Democracy is Bankers' Lackey, You All Pay the Bills, Government's Herd Manager Class is the Nouveau Rich, Bureaucrats Never Break a Sweat, If They did They'd Bitch, Peasantry is Now Defined as a Renewable Resource, Increasing the Tax Base, Upping Managers' Pay of Course, For Parents of Children, Look at Bleak Unemployment, Ensure Offspring Become Bureaucrats, Good Pay, No Sweat, Enjoyment" © Alan Watt }-- Changes in News Media - Public are Human Resources - Payments to Organ Donors - Workers Forced to Train Foreign Replacement Workers - Tax on Retirement Savings - Service to the State, Slavery - Loopholes and Tax Havens for Elite - Bogus "Science" of Economics - Inflation and Unemployment - IMF and BIS - Starsuckers Documentary - International Development Aid - Office of Information - Cass Sunstein - Implementation of Smart Grid and Agenda 21, Spying on the Population, Gov. Control over Land Use - Aerial Spraying, Geo-engineering and Long-Term Effects. (See http://www.cuttingthroughthematrix.com for article links.) *Title/Poem and Dialogue Copyrighted Alan Watt - April 10, 2013 (Exempting Music, Literary Quotes, and Callers' Comments)

--{ Politicos Always Claim to Be the Best, Before Employing Give Them the Test: "We the People Would Like Politicians Tested Before Serious Power in Them is Invested, Better to Prevent Corruption and Aftermath, Have Them Each Tested as a Psychopath, Better Also Test Them for the Silver Spoon And the Old School Tie With Their Anthem Croon, Where They Meet "Their Kind", Future Leaders Who Become Politicos, CEOs, Not Bottom Feeders, Check the Elitist Clubs and Associations, If They're Trilateral or Council on Foreign Relations, We the People Expect Accountability, No More Lying Shysters, Fraud and Perfidy" © Alan Watt }-- CFR/RIIA, Ownership of News Media, Top Journalist Members - "Stop Online Piracy Act" Bill, Unauthorized Websites Blocked and Shut Down - Rigged Stock Market, Bank Crash on Cue - Wind Farm Operators Paid to Switch them Off - Public-Funded "Clean Energy" Corruption, Solyndra - Middle East War Agenda - Government and Foundation-Funded NGOs and Trained Agents in Syria - New DARPA Spy Satellite - Big Names Thrown Occasionally to the Wolves - Use of PR Photo-Ops to Lie to the Public - Carbon/Energy Tax Boon - Canada Shipping Enriched Uranium to US - Dangers of Fluoride - Rothschild Metals Market, Gold and Silver Price Fixing, Cecil Rhodes and Resource Takeover - Embargos to Goad Countries into War, Sanctions, Bank Account Seizures. (See http://www.cuttingthroughthematrix.com for article links.) *Title/Poem and Dialogue Copyrighted Alan Watt - Dec. 28, 2011 (Exempting Music, Literary Quotes, and Callers' Comments)