Podcasts about in pat

Unbelievably it’s the halfway point of the Premier League season, so it’s only right the guys dish out some mid-season awards. In Pat, Matt and Jermaine’s view, who has scored the best goal so far (can we forgive a certain striker for nominating himself?) and what’s been the best moment up to now? Matt has his own award to dish out too, the name of which we can’t repeat. Plus, there’s chat about the 2-1 win over Newcastle United and the guys answer some more of your questions. Send us your comments and questions using #lufcpod

In March 2018 Gudrun had a day available in London when travelling back from the FENICS workshop in Oxford. She contacted a few people working in mathematics at the University College London (ULC) and asked for their time in order to talk about their research. In the end she brought back three episodes for the podcast. This is the second of these conversations. Gudrun talks to Marta Betcke. Marta is associate professor at the UCL Department of Computer Science, member of Centre for Inverse Problems and Centre for Medical Image Computing. She has been in London since 2009. Before that she was a postdoc in the Department of Mathematics at the University of Manchester working on novel X-ray CT scanners for airport baggage screening. This was her entrance into Photoacoustic tomography (PAT), the topic Gudrun and Marta talk about at length in the episode. PAT is a way to see inside objects without destroying them. It makes images of body interiors. There the contrast is due to optical absorption, while the information is carried to the surface of the tissue by ultrasound. This is like measuring the sound of thunder after lightning. Measurements together with mathematics provide ideas about the inside. The technique combines the best of light and sound since good contrast from optical part - though with low resolution - while ultrasound has good resolution but poor contrast (since not enough absorption is going on). In PAT, the measurements are recorded at the surface of the tissue by an array of ultrasound sensors. Each of that only detects the field over a small volume of space, and the measurement continues only for a finite time. In order to form a PAT image, it is necessary to solve an inverse initial value problem by inferring an initial acoustic pressure distribution from measured acoustic time series. In many practical imaging scenarios it is not possible to obtain the full data, or the data may be sub-sampled for faster data acquisition. Then numerical models of wave propagation can be used within the variational image reconstruction framework to find a regularized least-squares solution of an optimization problem. Assuming homogeneous acoustic properties and the absence of acoustic absorption the measured time series can be related to the initial pressure distribution via the spherical mean Radon transform. Integral geometry can be used to derive direct, explicit inversion formulae for certain sensor geometries, such as e.g. spherical arrays. At the moment PAT is predominantly used in preclinical setting, to image tomours and vasculature in small animals. Breast imaging, endoscopic fetus imaging as well as monitoring of perfusion and drug metabolism are subject of intensive ongoing research. The forward problem is related to the absorption of the light and modeled by the wave equation assuming instanteneous absorption and the resulting thearmal expansion. In our case, an optical ultrasound sensor records acoustic waves over time, i.e. providing time series with desired spacial and temporal resolution. Given complete data, then one can mathematically reverse the time direction and find out the original object. Often it is not possible to collect a complete data due to e.g. single sided access to the object as in breast imaging or underlying dynamics happening on a faster rate than one can collect data. In such situations one can formulate the problem in variational framework using regularisation to compensate for the missing data. In particular in subsampling scenario, one would like to use raytracing methods as they scale linearly with the number of sensors. Marta's group is developing flexible acoustic solvers based on ray tracing discretisation of the Green's formulas. They cannot handle reflections but it is approximately correct to assume this to be true as the soundspeed variation is soft tissue is subtle. These solvers can be deployed alongside with stochastic iterative solvers for efficient solution of the variational formulation. Marta went to school in Poland. She finished her education there in a very selected school and loved math due to a great math teacher (which was also her aunt). She decidede to study Computer Sciences, since there she saw more chances on the job market. When moving to Germany her degree was not accepted, so she had to enrol again. This time for Computer Sciences and Engineering at the Hamburg University of Technology. After that she worked on her PhD in the small group of Heinrich Voss there. She had good computing skills and fit in very well. When she finished there she was married and had to solve a two body problem, which brought the couple to Manchester, where a double position was offered. Now both have a permanent position in London. References M. Betcke e.a.: Model-Based Learning for Accelerated, Limited-View 3-D Photoacoustic Tomography IEEE Transactions on Medical Imaging 37, 1382 - 1393, 2018. F. Rullan & M. Betcke: Hamilton-Green solver for the forward and adjoint problems in photoacoustic tomography archive, 2018. M. Betcke e.a.: On the adjoint operator in photoacoustic tomography Inverse Problems 32, 115012, 2016. doi C. Lutzweiler and D. Razansky: Optoacoustic imaging and tomography - reconstruction approaches and outstanding challenges in image performance and quantification, Sensors 13 7345, 2013. doi: 10.3390/s130607345 Podcasts G. Thäter, K. Page: Embryonic Patterns, Gespräch im Modellansatz Podcast, Folge 161, Fakultät für Mathematik, Karlsruher Institut für Technologie (KIT), 2018. F. Cakoni, G. Thäter: Linear Sampling, Conversation im Modellansatz Podcast, Episode 226, Department of Mathematics, Karlsruhe Institute of Technology (KIT), 2019. G. Thäter, R. Aceska: Dynamic Sampling, Gespräch im Modellansatz Podcast, Folge 173, Fakultät für Mathematik, Karlsruher Institut für Technologie (KIT), 2018. S. Fliss, G. Thäter: Transparent Boundaries. Conversation in the Modellansatz Podcast episode 75, Department of Mathematics, Karlsruhe Institute of Technology (KIT), 2015. S. Hollborn: Impedanztomographie. Gespräch mit G. Thäter im Modellansatz Podcast, Folge 68, Fakultät für Mathematik, Karlsruher Institut für Technologie (KIT), 2015. M. Kray, G. Thäter: Splitting Waves. Conversation in the Modellansatz Podcast episode 62, Department of Mathematics, Karlsruhe Institute of Technology (KIT), 2015. F. Sayas, G. Thäter: Acoustic scattering. Conversation in the Modellansatz Podcast episode 58, Department of Mathematics, Karlsruhe Institute of Technology (KIT), 2015.

In March 2018 Gudrun had a day available in London when travelling back from the FENICS workshop in Oxford. She contacted a few people working in mathematics at the University College London (ULC) and asked for their time in order to talk about their research. In the end she brought back three episodes for the podcast. This is the second of these conversations. Gudrun talks to Marta Betcke. Marta is associate professor at the UCL Department of Computer Science, member of Centre for Inverse Problems and Centre for Medical Image Computing. She has been in London since 2009. Before that she was a postdoc in the Department of Mathematics at the University of Manchester working on novel X-ray CT scanners for airport baggage screening. This was her entrance into Photoacoustic tomography (PAT), the topic Gudrun and Marta talk about at length in the episode. PAT is a way to see inside objects without destroying them. It makes images of body interiors. There the contrast is due to optical absorption, while the information is carried to the surface of the tissue by ultrasound. This is like measuring the sound of thunder after lightning. Measurements together with mathematics provide ideas about the inside. The technique combines the best of light and sound since good contrast from optical part - though with low resolution - while ultrasound has good resolution but poor contrast (since not enough absorption is going on). In PAT, the measurements are recorded at the surface of the tissue by an array of ultrasound sensors. Each of that only detects the field over a small volume of space, and the measurement continues only for a finite time. In order to form a PAT image, it is necessary to solve an inverse initial value problem by inferring an initial acoustic pressure distribution from measured acoustic time series. In many practical imaging scenarios it is not possible to obtain the full data, or the data may be sub-sampled for faster data acquisition. Then numerical models of wave propagation can be used within the variational image reconstruction framework to find a regularized least-squares solution of an optimization problem. Assuming homogeneous acoustic properties and the absence of acoustic absorption the measured time series can be related to the initial pressure distribution via the spherical mean Radon transform. Integral geometry can be used to derive direct, explicit inversion formulae for certain sensor geometries, such as e.g. spherical arrays. At the moment PAT is predominantly used in preclinical setting, to image tomours and vasculature in small animals. Breast imaging, endoscopic fetus imaging as well as monitoring of perfusion and drug metabolism are subject of intensive ongoing research. The forward problem is related to the absorption of the light and modeled by the wave equation assuming instanteneous absorption and the resulting thearmal expansion. In our case, an optical ultrasound sensor records acoustic waves over time, i.e. providing time series with desired spacial and temporal resolution. Given complete data, then one can mathematically reverse the time direction and find out the original object. Often it is not possible to collect a complete data due to e.g. single sided access to the object as in breast imaging or underlying dynamics happening on a faster rate than one can collect data. In such situations one can formulate the problem in variational framework using regularisation to compensate for the missing data. In particular in subsampling scenario, one would like to use raytracing methods as they scale linearly with the number of sensors. Marta's group is developing flexible acoustic solvers based on ray tracing discretisation of the Green's formulas. They cannot handle reflections but it is approximately correct to assume this to be true as the soundspeed variation is soft tissue is subtle. These solvers can be deployed alongside with stochastic iterative solvers for efficient solution of the variational formulation. Marta went to school in Poland. She finished her education there in a very selected school and loved math due to a great math teacher (which was also her aunt). She decidede to study Computer Sciences, since there she saw more chances on the job market. When moving to Germany her degree was not accepted, so she had to enrol again. This time for Computer Sciences and Engineering at the Hamburg University of Technology. After that she worked on her PhD in the small group of Heinrich Voss there. She had good computing skills and fit in very well. When she finished there she was married and had to solve a two body problem, which brought the couple to Manchester, where a double position was offered. Now both have a permanent position in London. References M. Betcke e.a.: Model-Based Learning for Accelerated, Limited-View 3-D Photoacoustic Tomography IEEE Transactions on Medical Imaging 37, 1382 - 1393, 2018. F. Rullan & M. Betcke: Hamilton-Green solver for the forward and adjoint problems in photoacoustic tomography archive, 2018. M. Betcke e.a.: On the adjoint operator in photoacoustic tomography Inverse Problems 32, 115012, 2016. doi C. Lutzweiler and D. Razansky: Optoacoustic imaging and tomography - reconstruction approaches and outstanding challenges in image performance and quantification, Sensors 13 7345, 2013. doi: 10.3390/s130607345 Podcasts G. Thäter, K. Page: Embryonic Patterns, Gespräch im Modellansatz Podcast, Folge 161, Fakultät für Mathematik, Karlsruher Institut für Technologie (KIT), 2018. F. Cakoni, G. Thäter: Linear Sampling, Conversation im Modellansatz Podcast, Episode 226, Department of Mathematics, Karlsruhe Institute of Technology (KIT), 2019. G. Thäter, R. Aceska: Dynamic Sampling, Gespräch im Modellansatz Podcast, Folge 173, Fakultät für Mathematik, Karlsruher Institut für Technologie (KIT), 2018. S. Fliss, G. Thäter: Transparent Boundaries. Conversation in the Modellansatz Podcast episode 75, Department of Mathematics, Karlsruhe Institute of Technology (KIT), 2015. S. Hollborn: Impedanztomographie. Gespräch mit G. Thäter im Modellansatz Podcast, Folge 68, Fakultät für Mathematik, Karlsruher Institut für Technologie (KIT), 2015. M. Kray, G. Thäter: Splitting Waves. Conversation in the Modellansatz Podcast episode 62, Department of Mathematics, Karlsruhe Institute of Technology (KIT), 2015. F. Sayas, G. Thäter: Acoustic scattering. Conversation in the Modellansatz Podcast episode 58, Department of Mathematics, Karlsruhe Institute of Technology (KIT), 2015.

Update on the injuries of NASCAR driver Ryan Newman, who had a horrible crash during the Daytona 500. Bernie Sanders is attracting a cult-like following. Virginia pulled through when it came to a final decision on proposed gun regulations. Who did George Soros want Barack Obama’s FBI to investigate? The locust plague has now reached as far as China. The number of those infected by the coronavirus in China keeps growing. NASA contacts Voyager to change its course! The battle between Keith and the city of Fort Worth continues. Planet Earth is being hit with a record number of plagues. A bisexual Spider-Man could be coming to a theater near you. In Pat’s hometown of Helena, Montana, a drag show triples in size! Today’s sponsors: Are you losing your hair? Let’s do something about that! Go to https://www.keeps.com/PAT for 50% off!  Go to https://www.patriotmobile.com/PAT and get free activation when you use the offer code PAT, plus a free gift when you open a new line. Build a better you one brick at a time with Field of Greens. Go to https://www.brickhouseblaze.com and save 15% off your first order with the offer code PAT. Even better, if you sign up for a recurring subscription, you can save an extra 10% every month!  Genesis 950 is available on Amazon.com, BUT if you order a gallon directly from https://www.Genesis950.com, you will receive a free spray bottle and DISCOUNT using code BLAZE. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, podcast host and author of “Control Your Retirement Destiny” Dana Anspach covers Chapter 6 of the 2nd edition of the book titled, “Life and Disability Insurance.” If you want to learn even more than what there is time to cover in the podcast series, you can find the book “Control Your Retirement Destiny” on Amazon. Or, if you are looking for a customized plan for your retirement, visit us at sensiblemoney.com to see how we can help.   Chapter 6 – Podcast Script Hi, I’m Dana Anspach. I’m the founder and CEO of Sensible Money, a fee-only financial planning firm. I’m also the author of Control Your Retirement Destiny, a book that covers all the decisions you need to make as you plan for a transition into retirement. The book has incredibly thoughtful 5-stars reviews on Amazon. If you like what you hear today, go to Amazon and search for Control Your Retirement Destiny. Or, if you are looking for a customized plan, visit sensiblemoney.com to see how we can help. This podcast covers the material in Chapter 6, on life and disability insurance. Both types of insurance can protect you and your family against risks that can derail your retirement security. Today, I’ll be teaching you how to assess your insurance needs, and how those needs change over time. Let’s get started. ————— As a financial planner, I think of financial products as tools… perhaps in the same way a carpenter might view his or her own toolbox. You look at the job, you look at the tools, and you figure out which ones will help you most effectively do the job. Insurance is a financial tool. Unfortunately, many of us have an instant adverse reaction when we think about insurance, or even hear the word. I believe this happens because most of the time our experience with insurance is associated with either a salesperson trying to get us to buy more, or a benefit selection page where we feel like we are just guessing as to which options to pick. Overall, we don’t have very many positive experiences with insurance. That means you have to do a bit of a mental shift to begin thinking about it as a tool. For example, what if you begin thinking of insurance like a seat belt? Then, you view it as a safety feature. Hopefully you never need it, but, if you do, you’ll be glad you got in the habit of buckling in. Of course, it’s a bit more complicated than that - because the type of insurance you need changes as you age and as your financial situation evolves. Overall, though, both seat belts and insurance are there to protect you against a risk – a risk that you hope never materializes. Let’s discuss how to think about this type of risk. Any conversation about insurance should start by assessing your exposure to a financial hardship, as insurance is all about shifting risk. When you buy insurance, you choose to pay a known premium so that if a devastating event happens, the insurance company bears the bulk of the financial burden. Not all risks are equal. Take the common example of your home burning down. Although unlikely to happen, if it does burn down, the consequences are severe. Therefore, if you own a home, you carry homeowner’s insurance. You choose to pay a reasonable premium to minimize the financial impact of such an event. Contrast that with death. There is no argument that death is a high-probability event. There is no question of “if” it will happen – it’s only a matter of when. The severity of the financial impact, however, depends on where in your life cycle it occurs, and who is financially dependent on you at the time. If you’re young, and have a spouse and children, your premature death is likely to cause a big financial hardship for your family. But, if you are retired, and either single, or your spouse will have the same income and resources regardless of your death, then the financial impact of your death is minimal. Thus, in your younger years, particularly if you have dependents, death is a low probability but high severity event. In retirement, it changes, and becomes a high probability and low severity situation. When we apply this to your need for life insurance, it means when you are younger and still have many high-earning years ahead of you, you need a pretty large amount of life insurance. You buy it to replace the future income you would have earned. Once retired, you don’t have any more future earned income to replace. If you’ve done a decent job of saving, there is likely not a need for life insurance any more. Now, am I saying that no retiree ever needs life insurance? No. It’s not that easy. There are cases where you do continue to need life insurance, and there are cases where you may already own a policy that you bought when you were younger – and it may not make financial sense to cancel it. To understand where you fit in this framework, let’s look at two things. First, I’ll briefly review the two main types of life insurance. Then we’ll look at cases where you may want to keep life insurance even in retirement. Life insurance is sold in two main categories – either term insurance, or permanent insurance. Term insurance works much like car insurance. You pay and if an accident happens, the policy pays out. There is no cash value to your policy with term insurance. If you don’t need the insurance any more, you stop paying the premium, and the policy expires. This type of life insurance allows you to buy a fairly large death benefit for a low cost. It’s a great choice for most people when they are younger and need to protect their family. The terms usually last 20 to 30 years – which means in most cases you pay the same premium for a long time with the intention that you will let the policy expire at the end of the term. Permanent life insurance has two components – an insurance component and a cash value piece. You pay a higher premium and part of that premium is used to buy the insurance – the other portion is deposited into a savings or investment account which is handled by the insurance company. Permanent life insurance comes in many variations such as whole life, universal life, and variable universal life. These types of policies can be useful for high-income earners, business owners, and in other situations where it appears you’ll need a life insurance policy in place for your entire life. So, let’s take a look at five cases where life insurance may be needed for your entire life, or at least well into your retirement years. One such case I came across was a couple whom I’ll call Matt and Tina. Matt was a high-income earner and Tina, who was 28 years younger, stayed at home to care for their three-year-old daughter. Their retirement assets need to last not just for 30 years - but because of the age gap, assets may need to last 60 years or longer. Rather than try to save that much, it was more cost effective for Matt to maintain a whole life policy of about $2 million. That policy is what will make their financial plan work through Matt and Tina’s joint life expectancy. In another case, a woman I’ll call Pat came in and already owned seven whole life insurance policies issued by NorthWestern Mutual. Her father had been a life insurance agent which is how she accumulated so many of them. The policies were in great shape and it made no sense to cancel them. Instead, we were able to change how the policy dividends were used. With most whole life policies, you have choices as to how to use the dividends – for example you can use them to buy more insurance, to reduce your premium, or to accumulate more cash value. In Pat’s case, her dividends were set to buy more insurance; however, she didn’t need more insurance. Instead, she needed to reduce her monthly expenses. We reset the dividends to reduce her premium. This change saved her $3,000 a year. Small business owners are another group who may need to carry life insurance into their later years. If you own an interest in a small business, you usually want to enter into an agreement with a partner who will buy your share of the business upon your death. This type of buy-sell agreement is usually funded with life insurance. Another group that will likely want to maintain a life insurance policy are those with large estates – in this case the insurance helps pay taxes upon your death. Life insurance used to be sold to lots of people to pay estate taxes, but laws have changed, and today estate taxes apply only to individuals with estates in excess of about $5 million, or married couples with estates larger than $10 million. If you fall in that category, you may need to maintain life insurance to provide liquidity for taxes and other expenses that your estate will incur when you pass. The last group who may want to maintain a policy are those who did not save much and are living on Social Security or a small pension. People in this situation may not have much in assets, but they have monthly income. And they don’t want their children or other family to have to pay their final expenses, and so they maintain a small policy to help cover those costs at their death. We’ve talked about five situations where it makes sense to maintain life insurance. What if none of these situations apply to you and you WON’T need insurance in retirement, but you own a policy already? The first thing to do is identify the point in time where the need for life insurance really goes away. If possible you maintain the policy until it is no longer needed. For example, if you are married and one spouse is waiting until age 70 to begin Social Security, then it may make sense to keep any existing life policies in place on that spouse until they reach the age of 70. Your options also depend on the type of insurance you own. If you have life insurance through your employer, in most cases it goes away when you retire so you may not be able to maintain it. Or, perhaps you bought a 30-year term policy at age 45. Even though you may not need insurance past age 70, if the cost is low you may decide to keep it to age 75, which is when the 30-year term comes to an end. Or, if you own a policy that has cash value, you may have the option of converting it to a monthly income annuity, instead of cashing it in. Or in some cases, the policy is paid-up and earning an attractive return, so you might keep it as a viable safe investment choice. If you decide to cash in a policy that has cash value, watch out! There can be tax consequences. You have to look at that and determine if it will generate a chunk of taxable income. If it will, you might decide to terminate the policy in a year where your tax rate is low. In general, before canceling a policy, make sure you have considered your options. Canceling a policy is not something you want to do on a whim as it cannot easily be replaced. Now, let’s shift the discussion from life insurance to disability insurance. Where would you put disability on the probability and severity risk map? Do you think it is a high or low probability event? And what about the severity of it? I figure that unless I sustain brain damage, I can pretty much do what I do for a living. I could lose a limb, an eye, or become paralyzed, and still I would be able to write and think and help people sort through complex financial decisions. Overall, I figure the probability that I will become disabled is pretty low. Reality and statistics, however, tell me the probability is higher than I might think. Here are a few facts about disability: Prior to age 60, you have a higher probability of disability than death.Women are at greater risk for disability than men.And, risk varies by occupation. Now, what about severity? Even though I am a firm believer that I have a low probability of becoming disabled, if it were to happen, the severity is high. I have been single most of my life, and there is not a second source of income to rely on. Knowing that, I maintain a disability policy that would replace 60% of my income if something should happen. Will I always maintain this policy? No. When I reach my 60’s I should be at a place where I have saved enough that my investment income can replace my earned income. At that point, even though I might still be working, I would no longer need to maintain disability insurance. In conclusion, as you near retirement, both the probability and financial severity of a disability go down. The closer you get to retirement, the more important it is to review your existing coverage and make sure it is still needed. And, as we have discussed, needs change over time. Which means your financial planning process should include a periodic insurance review – perhaps you review policies every three years if nothing has changed, and more frequently if you are near retirement. ————— Thank you for taking the time to listen today. Chapter 6 of Control Your Retirement Destiny has additional content which can help you evaluate your insurance needs. Visit amazon.com to get a copy in either electronic or hard copy format. Or, visit us at sensiblemoney.com to see how we can help you create a plan to transition into retirement.

The best place to start is the beginning. The beginning of halloween that is! In Pat and Gibby's first spoiler filled episode we discuss the do's and don'ts of serial killer etiquette. How DO you keep your murder game fresh 40 years later? And of course, on a level from perfect to perfect, how perfect is Jamie Lee Curtis? We'll see you freaks there.

Pat Burke is a 6-time CrossFit Games Competitor as well as the Founder of MBS CrossFit in Colorado. In this episode, Pat shares with us the story of how he founded his Affiliate during a time in his life when he lost everything - including his house. In Pat's words - when you have nothing, all you can focus on is one thing. It's through this focus that Pat has gone on to open a second affiliate built upon the same principles. In this episode, we ask the following questions: - What is different in CrossFit today vs. 2008? - How do you balance your own training with owning your gym? - How do you distinguish between CrossFit the sport and what your members do everyday? - What is our strategic advantage over other Group Fitness models, like Gold's Fit or Orange Theory? You can find Pat's False Grips on Instagram @FalseGrips or shoot Pat an email Patrick@FalseGrips.com

In Pat’s return Pat and Jahred discuss people that don’t use the sidewalk, if jockeys are athletes, the craziest thing we’ve seen on a jumbo tron, playing sports with old guys, a review of Blast from the Past in the Brendan Fraser Movie Review, and the under the counter drug problem in Tanzania News. Michael Jordan Haines Commercial: https://www.youtube.com/watch?v=Rjhl5mvJVws Girl Running in Snow https://www.youtube.com/watch?v=GXYupaxfApg Email the show at chubstep.podcast@gmail.com