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As the Maine season comes to a close, Heath talks bears, cats, guiding, and hounds with Outfitter, Kirk Rogers. Kirk gives the run down on how his season went, the good and the bad. They hit on some great topics. Client successMountain bearsMixing packsOld school bloodlinesRunning trashAnd much moreThere's nothing like having a good conversation about hounds and hunting. Don't miss this episode of the Journey. Release Date: 11-25-23 ►Get Your Houndsman XP Info, Gear & More Here!www.HoundsmanXP.com►Become a Patron of Houndsman XP! Check out our Tailgate Talks.|

If migraines are showing up in your life for the first time, seem to be increasing or have become debilitating, put the Panadol aside and take a listen to this episode of Menopause Conversations. We explore why migraines become more severe during perimenopause, the cause and what you can do to help alleviate them. As you may have suspected, HORMONES are the key contributors as we ride the rollercoaster of fluctuating hormones during the menopause transition, and I will walk you through what exactly is happening with your hormones and look at some natural strategies you can use to manage and reduce migraine frequency and severity. I cover:Supplements, like MagnesiumFoods to avoid & overall dietary changesHow to manage exerciseSleepMind-body practicesEssential oilsAnd much moreThere is a lot within your control once you understand what is going on in your body and what you can be doing to help reduce debilitating migraines. Remember, you don't have to do it alone! Join our Menopause Conversations Facebook Group community to learn more about what is happening to your body, your hormones and life in general and as promised, if sleep is one of the key areas you need to change, here is a link for your download on SLEEP. If you found this episode helpful, please share it with someone who could benefit, and don't forget to subscribe so you never miss an episode. Until next time, take care of yourself and be kind to your body!

The Ten BridesmaidsMatthew 25:1-13 NLT[1] “Then the Kingdom of Heaven will be like ten bridesmaids who took their lamps and went to meet the bridegroom. [2] Five of them were foolish, and five were wise. [3] The five who were foolish didn't take enough olive oil for their lamps, [4] but the other five were wise enough to take along extra oil. [5] When the bridegroom was delayed, they all became drowsy and fell asleep. [6] “At midnight they were roused by the shout, ‘Look, the bridegroom is coming! Come out and meet him!' [7] “All the bridesmaids got up and prepared their lamps. [8] Then the five foolish ones asked the others, ‘Please give us some of your oil because our lamps are going out.' [9] “But the others replied, ‘We don't have enough for all of us. Go to a shop and buy some for yourselves.' [10] “But while they were gone to buy oil, the bridegroom came. Then those who were ready went in with him to the marriage feast, and the door was locked. [11] Later, when the other five bridesmaids returned, they stood outside, calling, ‘Lord! Lord! Open the door for us!' [12] “But he called back, ‘Believe me, I don't know you!' [13] “So you, too, must keep watch! For you do not know the day or hour of my return.Don't Live on Borrowed Oil verse 7-9We have to find God for ourselvesWhen I was 14 - had to find God for myself, let the church my parents were in to find God and not be influenced by them. They had may stories of being filled and experiencing God's presence powerfully. I could not live of their infilling or experience. I needed that for myself.We only get fresh oil from spending time with GodWe cannot get it by consumer churchWe have to go to him and after him for it we cannot get it from our parents, friends, our leaders we have to go to God ourselves and get oil from him. Others help direct us lead us show us the way,Jesus gave the invitation to go to him - if anyone is thirsty come to me.John 7:37-39 NLT[37] On the last day, the climax of the festival, Jesus stood and shouted to the crowds, “Anyone who is thirsty may come to me! [38] Anyone who believes in me may come and drink! For the Scriptures declare, ‘Rivers of living water will flow from his heart.'” [39] (When he said “living water,” he was speaking of the Spirit, who would be given to everyone believing in him. But the Spirit had not yet been given, because Jesus had not yet entered into his glory.) We might try and fill ourselves with counterfeit oil.Just as synthetic oils are counterfeit of the real crude Oil we need the crude oil of the Spirit. The genuine oilThere's nowhere else we can get this oil only from himIn the presence of God we find everything we need and so much moreThere's no lack in God he is all sufficient for all the oil you needQuestions●Are you trying to fill your life with counterfeit oil? Or trying to life of someone else's oil?●Has your oil become dirty and in need of replacing?●Have you run out of oil ?●If you feel you are already full, God wants to give you more. Ask and you will receive pressed down and running over.

Smashing Game Time – Game of the Year 2023 – Day 1Tis the season! It's game of the year time, and that means it's time to debate the best, the worst, and the weird that made up 2023! Across multiple episodes, the bros discuss some of their favorite games this year among numerous categories, with it all leading up to the top 10 games of the year.Day 1:Would Do Better if we Played it MoreThere's only so much time. I'm sure these games will fair better at next year's GOTYSOBest Update/DLC The best shiny new upgrades.Biggest DisappointmentThis year's biggest kick in the nuts.Stick with us. Day 2 is out on Tuesday!Our intro/outro theme Music from #Uppbeat (free for Creators!):https://uppbeat.io/t/all-good-folks/lo-fi-christmasLicense code: JX0CMFIBG4N6RNPSLike and Follow  Spotify - https://open.spotify.com/show/4m74cmu... Apple Podcasts - https://podcasts.apple.com/us/podcast/smashing-game-time/id1626864406 In lieu of ratings and reviews we say … FUCK THE ALGORITHM, TELL A FRIEND!

As the Maine season comes to a close, Heath talks bears, cats, guiding, and hounds with Outfitter, Kirk Rogers. Kirk gives the run down on how his season went, the good and the bad. They hit on some great topics. Client successMountain bearsMixing packsOld school bloodlinesRunning trash And much moreThere's nothing like having a good conversation about hounds and hunting. Don't miss this episode of the Journey.  www.houndsmanxp.comCheck out the Sportsmen's Empire Podcast Network for more relevant outdoor content!SPONSORS:Joy Dog Food onXCajun LightsGo Wild1TDC WorksoWelldogsRtreedFreedom HuntersRough Cut Company

As the Maine season comes to a close, Heath talks bears, cats, guiding, and hounds with Outfitter, Kirk Rogers. Kirk gives the run down on how his season went, the good and the bad. They hit on some great topics. Client successMountain bearsMixing packsOld school bloodlinesRunning trashAnd much moreThere's nothing like having a good conversation about hounds and hunting. Don't miss this episode of the Journey.  www.houndsmanxp.comCheck out the Sportsmen's Empire Podcast Network for more relevant outdoor content!SPONSORS:Joy Dog Food onXCajun LightsGo Wild1TDC WorksoWelldogsRtreedFreedom HuntersRough Cut Company

My special guest Suzan Sturholm is the owner of All Things HR. In this incredible discussion she covers:Staff challengesDEIB (the B is belonging)Remote/Hybrid work and related policesAI-empowered workforce evolutionExempt vs. non-exempt salary thresholdsCompliance - wage & hour laws, employee leaves and time off, discrimination laws, and moreThere's a lot here for all business owners and upcoming owners.Suzan can be reached at 425-248-4978 ext 3001 or ssturholm@allthings-hr.com.John MartinkaJessica MartinkaContact us via either website or give us a call and be sure to check out our videoshttps://nokomisadvisory.com/https://www.martinkaconsulting.com/https://www.youtube.com/c/JohnAMartinka/videos 425-515-4903

The rocket was emblazoned with the INSEAD logo and underneath that it said KacificOne, the name of our satellite, and a FORCE FOR GOOD and so it was the force for good logo from INSEAD.Force for Food is part of the famous John Kennedy speech, when he declared that by the end of the decade he would send men to the Moon. I like that reference that space can be a force for good; money can be a force for good, capitalism can be a force for good and you can use money to do the right thing and to use the capital markets in the right way.20 YEARS IN PERSPECTIVE:I don't think I would change anything, I don't think I would be able to, honestly, I think fate has taken me where it's taken me.After INSEAD, I was quite lost for about a year. In December 2004 I had a big wake up call. After a frivolous year of not knowing what I wanted to do, after a sailing regatta in Thailand I was caught in the Asian tsunami and laughing was over in a matter of seconds. I guess I lost the taste for partying at that point and I really wanted to change my life and do something useful.It was a huge transformation I think, both INSEAD and of course this tsunami, that put everything in question again for me. So that took quite a bit of time to find my path, my way forward.I'm here, a consultant on a bicycle, and I would need to raise 250 million dollars for this.I needed to go back and convince my wife, which was probably the most difficult thing of all.It took me five months to raise about half a million dollars, it took me another 6.5 years to raise 230 million dollars. So we snowballed that project from a little bit of money, and the more money I raised, the more contracts I got and then that was a nice kind of virtuous circle that we got. We bought a Boeing satellite in 2017 and completed all the financing and launched it at the end of 2019 on a SpaceX falcon 9 rocket.And that was an amazing day that I'll remember for my life - it was like the birth of a third child, it was incredible.Q: “What if the rocket blew up?” A: “It would have been a wonderful, a faithful firework and people would have clapped I guess.”Raising money was a challenge but in the end I found a talent in me to be able to raise money. ON TOPIC: Satellites and rockets, broadband, internet and moreThere will always be, for I guess I don't know how many thousands of years to come, this little satellite. And if nothing else comes out of this company, this little satellite will be floating in space and telling the story that this has happened and that I was the one starting this whole and putting this machine in space and it will be the testimony of the journey.In remote parts of the world people want to be connected, people want to spend money, they just don't have the means. If you were to put fibre to all these places it would cost billions of dollars, but with a satellite you have the distribution system built into it, so that's the beauty of satellite.We are providing sometimes lifesaving connectivity for critical cases that are seen in these regions, people live in very precarious conditions.You can reestablish huge amount of connectivity in a blink, but we've also provided disaster response after many tropical cyclones, typhoons in the Philippines, Vanuatu, Fiji and even in New Zealand recently.ON TOPIC: Entrepreneurship, start-ups, snowballingThe most difficult is to be lonely at times.Raise more money than you really need because you'll need that money.It's a bigger sandcastle, but it's still a sandcastle that the tide keeps chipping at it and denting it, tide after tide, and I'm on top of it, just piling up new sand on top of it to make sure it keeps growing. So it's an interesting journey.

This is a fun episode!I have been really inspired to share with you what I WISH I know about making money because it is not what I expected to be really honest with you.I think we all have preconceived ideas about any number of things in life, but what I now know to be true about making money as an entrepreneur and CEO continues to surprise me.It has constantly surprised me at every new level of business, and each new stage that I step into as a human and I want to give you some insight into a HUGE realisation I had about how I've been blocking money and growth in my business.I would LOVE for you to pop in your earbuds and join us because this is a really juicy episode.Tune in to learn:A HUGE realisation I had on my recent overseas trip on how I've been blocking money and growth in my business What I WISH someone told me about what it really takes to make, receive and HOLD money Me riff on the 3 things I see impact receiving and HOLDING more money in your life and businessThe BIGGEST money blocks, how to identify them, why doing money mindset work hasn't worked for you in the past and some journaling prompts to help you increase your capacity to receive MOREThere is a little gift for you when you tune into this episode, so hurry up and hit play on this episode of The Things We Didn't Do now to hear more of What I WISH I knew about Making Money so that you can snap this up before they're all gone.

Real Estate Marketing Mastery with Grant Wise: How to connect more so you can convert moreThere's a common denominator in building long term success and resiliency to market conditions...Mastering your Marketing to CONNECT and CONVERT at a high level.If you know the name Grant Wise, we know you're paying close attention...(and if you don't, listen up)Grant is a force to be reckoned with in the Real Estate industry. He's an expert in Marketing and Advertising and his strategies have changed the game for businesses across our country.He's the founder of Witly, a Real Estate Advertising Agency and a sitting Chief Marketing Officer for top producing teams everywhere.Grab your pen and paper... In this episode of All or Nothing in Real Estate we are breaking down the PROVEN processes behind successful Lead Generation, Remarketing and CONVERSIONS.We leave no stone unturned...Learn how to simplify your sales processes, build your pipeline and nurture leads at a high level.

The White Birds of the Bone-HouseI want to light a sparkin the darkenedbone-house of beingI want to look aroundwith golden eyesthat see in the darkTo see what is herethat I haven't seeninside the cave of methere is storywaiting to take wingI hear that there is a cage in uswith a thousandwhite star-birds flappingagainst their constraintswaiting for us to open the doorMy ancestors keeppointing, their long fingersextendingpast the gossamer garmentsthey wear now"look here, now hereCHILD! There it isCan't you see it - ?"But....But...I complainSometimes I don't wantto be spoken toin grey-misted mysterySometimes cage and bird talkdon't make me feel goodI want plain speak that showsa clear path and guidelinesof how to stay on trackI want you to be with meI want to feel you nearI want some tea timewith you near enoughfor me to smell youI want to complainand have you listenas If I was laying on yoursoftened lap with heapsof embroidered pillowsunder my sleepy headWhy didn't you tell us -You can chooseconsciousnessand open the greening portalto the inside worldwhere the red poppies grow wildI don't remember you tellng me:You can design your identity,just open the treasure boxwith the broken lockWhy didn't you teach usto summon the selfand change our identityby showing up for thefestival of colored lightsand that broken down nightswill only last so long?Did you tell meand I missed it?Must we discovereveryting ourselves?Inside of here...if we can ever figure outwhere 'here' is:There aremany women dancingand soft pink beds to rest uponfor as long as we needBut the path is washed awayfrom that last hard rainYou know,the one that washed awaythe two rocking chairsI didn't sign up for a raceI don't know what this isbut I don't rememberbeing invited to a competitionto get ahead, be more, do moreThere has to be another wayThere has to besomething more hereWe must be morethan we appear?You mean,the instruction manualis encoded within meand to read itI have to learn a new languagemade of soil and fur and sun?You mean the path only revealsas each foot falls into wet earth?But wait...you told me all you couldand you love me even if I amcomplaining with the tears soakingyour between-world fabricsI lay with you so longeven the stitches from yourinvisible garment imprintmy facewhen I wakeWhen I awakeWhat I seeamazes meSo today I wrote thisto tell you about itHow each person, opensthe portal throughreleasing theirown trapped birds...sometimes they get caughtin your throat on the way outsometimes they don'tLook up!The white birds ofthe darkenedthe bone-houseare setting themselves free...with or without me I give thanksI give thanksI give thanks Now to learn how to liveconsistent with what is knownwhile being aware that most of itwill remain unknownnot because it is withheldbut beacusewe weren't ready yetLet us ready ourselves!Let us ready ourselves!Let us ready ourselves...the time for expanding ourcapacity to love is hereif you write poetry with a firey penif you pray with paint-stained handsthe birds will begin to flyPray for me! Pray for me!I too, I willI will pray for you!Shiloh Sophia(painting layer from Tempo painted yesterday - with graphics added) Get full access to Tea with the Muse at teawiththemuse.substack.com/subscribe

Maureen Ross Gemme spent 30 years in her corporate job and then became an entrepreneur when she created her coaching and training business called Emerge Leadership Academy in 2013. After living through her teenage years as a drug addict and an alcoholic, she had a major transformation and started her recovery journey when she was just 24. She then began her corporate career and stayed on the personal and professional growth path. She became an expert in personality by studying several personality-type assessments such as MBTI, Enneagram, and Everything DiSC. She also received her BA in psychology and MS in Education while studying human behavior at school and applied it all to her work life. Now Maureen trains corporate teams as an Authorized Partner of Everything DiSC. In her classes, teams improve their respect for each other and learn to truly value the diversity in our personalities so everyone can get along better at work. Managers improve their methods to delegate, motivate and develop their staff.Highlights:Transition: She went as far as she could in her corporate career and reached a point when starting her own business brought her next level of growthTransformation: When she decided to be clean and sober at 24, she had to change everything in her life, including the way she thought, the things she did, and the people she hung around withTips: If you are suffering in any way, get help; you are not alone; find your support people and get connectedMethod for change: release your past, forgive those who hurt you, review your belief system, manage your energy, create a plan of action, prepare for obstacles, establish your support system, and take baby steps forward every dayBreaking habits: Be conscious of your negative thoughts; for extroverts - listen more; for introverts - speak up moreThere are many different ways to find out about your personality including, Myers Briggs Type Indicator, Enneagram, Human Design, and Everything DISC. As a personality expert, Maureen shares how important it is to discover and understand your personality. Some of the benefits of doing this work are improved relationships in and out of work, better idea of what motivates you and what stresses you in the workplace, and allows better communicate with your boss and colleagues. If you want to learn more, take the personality quiz called: What animal best represents your leadership style? on her website Emerge Leadership Academy. If you are in recovery from addiction, check out Maureen's podcast called Emerge. Evolve. Lead. for People in Recovery.  —------------------------Social Mediawww.linkedin.com/in/maureenrossgemmewww.facebook.com/emergentleadershipwww.twitter.com/mrgmentor—------------------------52 Weeks of Me is hosted by Jacklyn Osborne and Erika Brooks. Check out our website -  www.52weeksofme.net or follow us on Instagram @fiftytwoweeksofme.For suggestions and comments, email us at fiftytwoweeksofme@gmail.com.

“We're not outside of our environment, we're a part of it,” says Mari Zaroff, internationally-recognized ECOlifetyle expert, educator, innovator and author. A true pioneer of the ECOlifestyle and sustainable fashion, she coined the term ECOfashion in 1995. In addition to her many other accomplishments, she also founded YesAnd, an (e)co-creation retail platform. She is joined by Nigel Barker, celebrity photographer and TV personality who is also YesAnd's creative director. Top takeaways from today's episode: The best business decisions aren't done in a rush, they're done with thought.Women have a different skill set from men– they have everything men have and moreThere's no better fashion statement than caring for our planetUnderstand your customer and who you're targeting Have heart and trust your gutQuotes:• “The best business decisions aren't done in a rush. They're done with thought.” (27:51-27:55 |Nigel)• “The skill set is very different from men's skill sets, and they have everything that men have. But then they have more, which is empathy, and sympathy and care, and grace, and charm and on many levels, which are brilliant tools when it comes to business." (31:58-32:24 | Nigel)• “Work is love made visible…when you love your work, it's not work, it's love.” (47:23-47:30 | Marci)• “Follow your heart and trust your gut. Set your vision and then don't get stuck in the journey. Be in flow.” (56:18-56:42 | Marci)Connect with Marci Zaroff & Nigel Barker:Instagram YesAnd | https://www.instagram.com/yesand/Instagram Marci | http://www.instagram.com/marcizaroffInstagram Nigel | http://www.instagram.com/nigelbarkerPlease don't forget to rate, comment, and subscribe to Dear FoundHer on Apple, Spotify, or wherever you listen to podcasts!Are you ready to Ignite Your Brand and Make Yourself Stand out in 2023? Register for Lindsay's latest workshop to learn the exact process she uses for her clients AND her own companies to generate bottom line growth. Use the code DEARFOUNDHER to save $150 on registration (cannot be combined with any other discounts.) Make sure you sign up for Lindsay's newsletter and have all of the takeaways from every podcast episode sent straight to your inbox. Don't forget to follow Lindsay on Instagram: https://www.instagram.com/lindsaypinchukUse code FoundHer for 50% off your first month with both HiveCast and FiresidePodcast production and show notes provided by HiveCast Hosted on Acast. See acast.com/privacy for more information.

As with anything else in the body, the health of the eyes depends upon circulation and vascular health to deliver nutrients and remove waste/toxicity.When it comes to eye health there are many important considerations to maintain optimal vision and prevent or reverse eye conditions such as macular degeneration, glaucoma, cataracts, etc. In this Medicinal Monday episode as we Alter Your Health from Head to Toe we discuss some anatomy and physiology of the eye which helps us to understand how we can eat and live in a way to optimize eye health and function.There is SO much research that supports the benefits of increasing consumption of nutrient-dense whole plant foods and lowering toxic load, cholesterol, and saturated fats from diet. Additionally, we share some other helpful lifestyle considerations including hydrotherapy and "eye exercises" that promote health at any point in life.Of course, when it comes to eyes, there are many genetic and anatomical variations that exist between people leading to myopia (near-sighted), hyperopia (far-sighted), and astigmatism (variation of eye curvature). These refractive issues are generally corrected with glasses, lenses, or surgery such as LASIK or PRK. These common conditions are not the subject of today's episode.As always, you can join us live each Monday at 12 PT / 3 ET on the Alter Health YouTube Channel! https://www.youtube.com/alterhealthSome highlights from today's episode on EYES...Eyes are actually extension of the brain - the optic nerve that decodes the signals detected by "rod" and "cone" photoreceptors on the retinaWhen we look at the retina during an ophthalmic exam we are able to directly see the blood vessels that make up the microvascular system in the eyeDiabetes (insulin resistance), high cholesterol, and high blood pressure can all cause "retinopathy" which causes the damage of retinal tissue in the eye over time leading to conditions like age-related macular degeneration and glaucomaCataracts are opacities in the lens of the eye generally caused by eye trauma, oxidative injury (excessive UV light), or nutritional deficiency (antioxidants like vit C)Numerous phytonutrients (nutrients from PLANTS) have been proven to protect against eye diseases such as Vit C, Vit E, lutein, zeaxanthin, beta-carotene, and moreThere are basic "eye exercises" to support eye health such as regularly shifting from up-close vision (screens!) to more expansive panoramic vision (nature!) as well as generally tracking objects up close and far away (playing catch, watching birds fly, tracking objects in nature, etc)Links to some more good stuff-  Join Alter Health on Locals: https://alterhealth.locals.com/- Cleanse with Us during the next Alter Health Cleanse: https://www.alter.health/cleanse- Work with us in the Thrive on Plants program: https://www.alter.health/thrive-on-plants- ATTN Health Practitioners! Learn more and apply to the Plant Based Mind Body Practitioner Program: https://www.alter.health/pbmb-practitionerPeace and Love.

PreambleMy wife and I recently packed our bags and relocated to New Jersey! Texas was good for us but now we are on to our next adventure in Greater New York City. Would love to meet up if you are in the area. It’s been fascinating observing people’s reactions when I say I work in crypto. Some acquaintances immediately start walking me through their crypto portfolio while others clutch their pearls and flee for dear life. Jokes aside, I am often the first person they have met who works in the space. Sometimes, I get the sense they don’t quite know what to make of me. Crypto’s unsettling reputation has not been helped by the recent market downturn, hacks, and bankruptcies. My singular refrain has been that “the underlying technology could solve real-world problems, focus on that”. But you can’t bury your head in the sand and ignore the world around you. If you fail to study history, then you are bound to repeat the same mistakes. We are living through the early days of Crypto’s history. Let’s learn from this moment lest we fall prey to the same dragons. Heartache 💔Celsius - a prominent centralized crypto lending company - filed for bankruptcy on July 13, 2022. Customers had been unable to withdraw their funds since June 12, 2022. It now looks unlikely that they will ever reclaim all their funds. Some devastated customers have written letters to the judge presiding over the bankruptcy proceedings. These letters are gut-wrenching. Here are excerpts from two of them:But how did we get here?Celsius: Background🔎Celsius was founded in 2017 by Alex Mashinsky (CEO), Daniel Leon (former COO, now Chief Strategy Officer), and Nuke Goldstein (CTO) in Hoboken NJ. Celsius provides customers with high interest-bearing accounts for cryptocurrencies and crypto-collateral-backed loans. High interest-bearing crypto accountsExample 1: Johnny cashed out some of his cash savings and stock investments to buy 1 bitcoin on Coinbase. He then sees an ad from Celsius offering 17% interest rates for customers who deposit bitcoin with the company. He looks at his regular bank account and is reminded that Bank of America is only offering 0.1% interest. It’s a no-brainer! Johnny moves his 1 bitcoin from Coinbase to Celsius to earn high interest. Crypto-collateral-backed loansExample 2: The price of bitcoin has more than doubled. Johnny is feeling good about his investment. Time to finally buy that engagement ring he has been eyeing. The price of bitcoin is $50k but he only needs $10k. However, Johnny doesn’t want to sell his bitcoin because he believes the price will be much higher in the future. Step 1: He transfers 0.3BTC valued at $15k as collateral for a $10k cash loan.Note: (a) There are no interest payments on the loan but he has 1-year to pay it back. (b) There are no credit checks because the loan is overcollateralized with a loan to value (LTV) ratio of 67% => $10k loan / $15k crypto collateral. Step 2: Celsius will monitor the LTV ratio as the price of bitcoin continues to fluctuate. If the price of bitcoin drops deeply, Johnny will have 24 hours to add more collateral or pay down the loan if the LTV hits the predetermined threshold ex 90%. If Johnny fails to bring the LTV back to an acceptable range say ~67% within the prescribed time then Celsius has the right to sell his collateral for cash. Besides lending, Celsius generated revenue from token sales, bitcoin mining, and discretionary trading of cryptocurrencies. As of June 2022, Celsius had lent out $8 billion to customers and had $12 billion in assets under management. The company had 450 employees and reportedly 1.7 million account holders. How did it go wrong?⚡TLDR: Celsius CEO said the company went bankrupt due to “..certain poor asset deployment decisions”. Basically, weak risk management. Unfortunately, this does not appear to be an isolated incident, rather, tales of poor decision-making and under-resourcing are emerging from different parts of the organization. On the surface, the main thrust of Celsius business model was sound. It’s the same model that banks have used for centuries: pay interest to depositors then loan those funds out to another entity at a higher interest rate. Then you simply profit off the difference in interest rates. Celsius grew rapidly by offering up to a 17% interest rate on crypto deposits. At its peak, it had $24B of assets under management. This helped it raise $750M in Nov 2021 at $3.3B valuation. That fundraising round was led by the second largest pension fund in Canada. But it all came crashing down when Celsius filed for bankruptcy due to the $1.2B hole in its balance sheet. Celsius reported its total assets were $4.3B but total liabilities were $5.5B. Of the $5.5B liabilities, Celsius owes its customers $4.7B but does not have the assets to pay them. The company only has $125M cash on hand. Much of the $4.3B of assets are said to be Celsius’ holdings of its own crypto token which has dropped in value from a peak of $7.7 in June 2021 to $0.9 in July 2022. There are questions about the current market value of the $4.3B listed assets and fears the actual is lower than what has been reported. Where did risk management fail?We are still learning about the failures that led to Celsius bankruptcy. Here’s what I have gathered thus far: 1. Failure of leadershipCelsius executives reportedly told the Chief Human Resource Officer NOT to run background checks on the incoming CFO, Yaron Shalem. This is a major red flag 🚩 In Nov 2021, Shalem was arrested in Israel and charged with money laundering at his previous company. Perhaps stronger controls could have identified a CFO who might have steered Celsius away from taking on increasing levels of risk. But ultimately the CEO is responsible. 2. Under resourcing Disruptors don’t color within the lines. They dream up new industries and take risks executing their visions. This is the nature of technological disruption. Uber and Airbnb are great examples of disruptors who launched products ahead of supporting laws, rules and regulations. The Silicon Valley swagger to move quickly and break things has produced results….but one wonders if it is a fit for financial services. Celsius reportedly only had 3 compliance professionals serving 1.7 million account holders. Some banks serving fewer customers might have 10 to 30x compliance professionals. A former Celsius compliance employee shared how the department was seen as a cost center and not a strategic partner for the business. One could extrapolate and imagine that the same attitude of under-resourcing likely applied to risk management too. 3. Poor fund managementCelsius CEO said in retrospect, they made poor fund deployment decisions. These decisions primarily fall into two camps: (a) over-leveraged positions and (b) over-exposure to stETH. (a) Over—leveraged positions: Celsius loaned out depositors’ funds on MakerDAO, a decentralized lending platform. One loan is ~$550M. This loan is overcollateralized like the loans Celsius itself issues. One challenge is that the price of Bitcoin has tumbled more than 60% since the 2021 highs. As a result, Celsius has had to pay down the loan or provide more collateral to bring the LTV back in range, otherwise, the entire $550M collateral would be liquidated. Celsius likely used new customer deposits to secure the collateral consisting of old customer deposits. Celsius came close to losing $550M a couple of times. It has reportedly lost smaller amounts due to insufficient liquidity to shore up the LTV ratio.A sound risk management approach would have considered that crypto prices could fall significantly and perhaps limit Celsius exposure to this high-risk strategy. (b) Over-exposure to stETHCelsius used customer deposits to acquire over $400M of stETH, an irresponsible amount given that no counterparties hold a comparable amount to trade with. stETH is an illiquid receipt stoke for staked ether. stETH is a derivative of ether with each stETH representing one staked ether on the new Ethereum blockchain. However, the price of stETH and the price of ether decoupled in recent months, stETH now has a 3% discount at the time of writing. A sound risk management approach would have considered whether Celsius should have used user’s deposits to acquire stETH, and if decided to, there could have been controls to limit the amount of exposure to this illiquid asset in Celsius portfolio. What next for Celsius customers? ⏭Celsius presented itself like a bank but operated more like a hedge fund. Many customers did not read the fine print in Celsius terms and conditions. Reading through now would yield several realizations. Uninsured depositsDepositors at US banks are protected by the Federal Deposit Insurance Corporation (FDIC). If a US bank goes bankrupt, all depositors’ funds are insured for up to $250k. Unfortunately, Celsius is NOT a bank and did not hold any insurance for depositor’s funds. Section 13 of the Celsius user agreement explicitly states that if the company goes bankrupt, customers may not be able to recover ANY funds. Bankruptcy claimsCelsius customers are filing bankruptcy claims. Some have also written letters petitioning the judge to release funds to them. Interestingly, although Celsius is headquartered in Hoboken NJ, the bankruptcy suit was filed in New York’s Southern District. Judges in this district are thought to be more savvy and experienced with major bankruptcies having previously handled notable cases like Merril Lynch and Bernie Maddoff. Unfortunately, it’s not looking good for customers. What lessons have been learned? 📔Not your keys, not your coinsMy friends who have been in crypto for several years frequently admonish everyone to move their holdings off centralized exchangers like Coinbase and lending platforms like BlockFi and Celsius. This episode has made the reasons painfully obvious. It’s clear to see why they recommend one self custody crypto holdings in a cold wallet. Leadership mattersIt looks like Celsius executives lost their heads in the ecstasy of the bull market. They kept on layering on high risk moves perhaps imagining themselves to be invincible. But truth be told, I think the rot started way before the crypto bull market. The absence of background checks for senior executives, the under-resourcing of compliance are symptoms of a culture that turns its nose at the modern financial services industry. I agree that there are some financial services which are ripe for disruption but there are also risk management practices and standard operating procedures which have successfully safeguarded the interest of customers. These mustn’t be discarded with the bath water. Please do considerable research as you invest your funds. Look at the background and statements of the leaders. Sometimes people who are undisciplined with finances reveal themselves to be undisciplined with their words too.Real human impact1.7 million affected account holders may never fully recover their funds. This would undoubtedly leave a lasting bad impression. Some of the stories are simply heart-breaking. There’s the story of a worker close to retirement who sold off their stocks and bonds and deposited everything into Celsius. There are countless stories of families who put decades of life savings into these accounts. Some people will never recover financially. It must be taking a heavy emotional toll too. I fear, a few people may even take their own lives similar to the suicides following the Great Stock Market Crash of 1929.DiversifyPlease do NOT put all of your eggs in one basket. Diversify to reduce your exposure to any one platform and any one company. Consider moving some or all of your crypto holdings into multiple cold wallets and securely store them in waterproof, fireproof, and tamperproof environments. Risk management is a differentiatorCrypto has been pulling in top talent from a variety of backgrounds. Sometimes I sense a tension between the tech-forward move fast crowd and the deliberate, cautious, and risk averse financial services crowd. But we need both legs to run into the future. The Celsius meltdown has given me a renewed appreciation for risk and compliance. In recent days, crypto lending companies have been at pains to explain their risk management approach and distance themselves from Celsius. I expect there could be a flight to quality, with consumers gravitating to more established and regulated providers. There is an opportunity for banks to make a move here. More curious about DeFiHumans are fallible. People get greedy and risky, then bad things happen. This is not limited to crypto. It happens across every industry. One of the beautiful things about decentralized finance (DeFi) is that it runs on smart contracts aka code. It takes the human out of the equation and executes based on the written code. But no system is infallible. DeFi solves for one risk - human behvaior - while heightening another risk: hackers. DeFi is poised to continue growth and eventually will underpin a chunky slice of the mass market.Brace yourself for more regulationSociety functions around a set of rules of engagement. There are consequences when you break those rules. Every industry needs regulation. Crypto is no different. I hope that the regulation is thoughtful and not a knee-jerk reaction. I hope the regulation would seek to protect the consumer, not prevent the consumer from engaging with crypto. I hope the regulation is crafted in partnership with industry, seeking to support technology advancement and not strangle the baby in the bassinet. I’m optimistic. Many advances we take for granted today went through a storming phase in their infancy. I have seen newspaper clips from the 1800s railing against electricity and cars. Today we can’t imagine our lives without them. I expect the US will eventually strike the right balance with crypto regulations. PS - But wait, there’s moreThere’s more to the Celsius story. For instance, I didn’t get into the alleged token manipulation and potential insider trading.PSS - Former Coinbase PM arrested for insider tradingSpeaking of insider trading, this week, a former Coinbase product manager was arrested along with his brother and a friend for insider trading. Background There are about 2,000 crypto tokens. Binance lists over 300 of them on their exchange. Coinbase has been intentionally listing more tokens to close the gap and give their customers more choice. Coinbase currently lists about 200 tokens. It’s been observed that new tokens experience a significant price jump once they are listed on Coinbase. It could be due to millions of users suddenly gaining access and increasing demand. The Coinbase PM obtained intelligence on which tokens would be listed then relayed it to his accomplices. The trio then got wallets controlled by other people to opportunistically buy and sell these tokens. They earned at least $1.5M through this insider trading scheme. Blockchain to the rescuePublic blockchains permit anyone to view transactions. The challenge is that it’s not always obvious to the observer who owns the wallets but that’s why blockchain analytics firms like Chainalysis, TRM Labs and Elliptic specalize in. An avid observer noticed this pattern of sales from a wallet. He shared his observations on Twitter. Soon financial regulators were hot on the chase and identified the trio and notified Coinbase. The Coinbase PM was invited to a meeting where at Coinbase where he was presumably fired. Regulators sent him a letter. He bought a ticket to fly home to India on the same day. The suspect was apprehended before he could flee the country. Contrary to some widely held beliefs, blockchain technology is not just a haven for would-be-criminals, rather, it can be a valuable tool for law enforcement to catch criminals. It’s been long rumoured that there is significant insider trading at some crypto tokens. Perhaps this case is the first of many to come. The industry needs to police itself and partner with law enforcement. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit afolabio.substack.com

On this final episode of Therapist and a Trainer, Justin and Eric explore how to know when things should end and the best way to do it. Diving deeper into topics such as:Natural reactions to finalityEnding things at a good pointThe desire to have moreThere's a first time for everything and a last time for everythingInspiring hopeMomento MoriContemplating the endCounting your MondaysContemplating death to enhance the presenceTomorrow is never promisedMaking things meaningfulFinishing StrongWhy does finality feel negativeHow do you know when to quitSeth GodinRepeating patternsDiversifyThe value of settling and good enoughTolerating deteriorationHopeful for changeWhen does quitting make things betterWhen the purpose is servedWhen you gave your bestAssociating ending with failureBuilding trust with clientsEnding therapy Ending relationships with clientsHaving new problemsIf you're out of problems you're out of businessEnding something doesn't have to be finalPicking things back upTaking a break instead of quittingAllow things to reach their endThe danger of holding on too longLosing the positionLearning to abandon your positionTrying not to negate hopeAddicted to hopeSubliminal messages attached to quittingThe difference to ending something well versus quittingKnowing your limitationsStaying in the game

Huberman Lab Podcast Notes Key Takeaways Intermittent challenges or stressors to your system are good – humans are evolved for challenges, but today's lifestyle has taken away most of the common struggles we experienced beforeThree key nutrients for the brain and body: (1) sulforaphane; (2) omega-3; (3) vitamin DFood sources of sulforaphane: broccoli (barely cooked), broccoli sprouts, moringa powder“I personally think [omega-3 fish oil] is one of the most powerful anti-inflammatory things, dietary lifestyle things we can get easily that is going to powerfully modulate the way you think, the way you feel, and the way you age.” – Dr. Rhonda PatrickVitamin D is not just a vitamin! 70% of the US population is deficient – it's worth measuring & supplementing to optimal bone health, immunity, hormone conversion, and moreThere's a strong dose-dependent nature of sauna use: people who use sauna 4-7x/week have a lower risk (60% reduction) of dementia and Alzheimer's; people who use sauna 2-3x/week have a 20% reduction in riskHeat stress mimics moderate cardiovascular exercise effect – this could be a great onramp for people who are otherwise unable to exercise due to disability or whatever reasonThe cardiorespiratory system is improved in people who do both sauna and exercise compared to doing either aloneStress & memory: if you're too relaxed you won't remember things as well; at peak levels of stress, you remember things better until you reach too high a level of panic               Read the full notes @ podcastnotes.orgMy guest is Rhonda Patrick, Ph.D. She earned her doctoral degree in biomedical science from St. Jude Children's Research Hospital at the University of Tennessee Health Science Center and has become one of the leading public health educators on the brain and general health, aging, cancer, and nutrition. We discuss the four major categories of micronutrients that regulate cellular and organ stress and antioxidants, inflammation, hormone regulation, immune system, and longevity. Dr. Patrick provides actionable protocols for obtaining key micronutrients from food and/or supplement-based sources. Additionally, Dr. Patrick outlines protocols for deliberate cold and deliberate heat exposure to benefit metabolism, cardiorespiratory fitness, mental health, and lifespan.  Thank you to our sponsors AG1 (Athletic Greens): https://athleticgreens.com/huberman Thesis: https://takethesis.com/huberman InsideTracker: https://insidetracker.com/huberman See Andrew Huberman Live: The Brain Body Contract Tuesday, May 17th: Seattle, WA Wednesday, May 18th: Portland, OR https://hubermanlab.com/tour Our Patreon page https://www.patreon.com/andrewhuberman Supplements from Momentous https://www.livemomentous.com/huberman. For the full show notes, visit hubermanlab.com. Timestamps (00:00:00) Dr. Rhonda Patrick – Micronutrients, Cold & Heat Exposure  (00:03:12) Momentous Supplements (00:04:27) The Brain-Body Contract  (00:05:30) AG1 (Athletic Greens), Thesis, InsideTracker (00:09:42) Stress Response Pathways, Hormesis (00:16:38) Plants, Polyphenols, Sulforaphane (00:21:12) Tools 1: Sulforaphane - Broccoli Sprouts, Broccoli, Mustard Seed  (00:23:50) Tool 2: Moringa & Nrf2 Antioxidant Response (00:25:25) Sulforaphane: Antioxidants (Glutathione) & Air Pollution (Benzene Elimination)  (00:27:10) Plants & Stress Response Pathways, Intermittent Challenges  (00:29:35) Traumatic Brain Injury, Sulforaphane, Nrf2  (00:35:08) Tools 3: Omega-3 Fatty Acids (ALA, EPA & DHA), Fish Oil, Oxidation  (00:48:40) EPA Omega-3s & Depression  (00:52:02) Krill Oil vs. Fish Oil Supplements?  (00:54:23) Benefits of Omega-3 Fatty Acids, Omega-3 Index & Life Expectancy  (00:59:24) Tool 4: Food Sources of EPA Omega-3s  (01:06:07) Omega-3 Supplementation, Omega-3 Index Testing (01:10:22) Benefits of Omega-3s  (01:14:40) Tool 5: Food Sources of DHA Omega-3s (01:17:07) Vitamin D & Sun Skin Exposure  (01:22:18) Role of Vitamin D, Gene Regulation  (01:25:30) Tool 6: Vitamin D Testing & Vitamin D3 Supplementation  (01:33:15) Tool 7: Skin Surface Area & Sun Exposure, Vitamin D  (01:34:23) Vitamin D & Longevity (01:36:46) Sun Exposure & Sunscreen (01:40:30) Role of Magnesium, Magnesium Sources, Dark Leafy Green Vegetables (01:44:50) Tool 8: Magnesium Supplements: Citrate, Threonate, Malate, Bisglycinate  (01:50:57) Tool 9: Deliberate Cold Exposure Protocol & Mood/Anxiety (01:59:22) Tool 10: Cold Exposure, Mitochondria UCP1 & Heat Generation (02:02:30) Tool 11: Cold & Fat ‘Browning', PGC-1alpha, Metabolism (02:05:08) Cold Exposure & High-Intensity Interval Training (HIIT), PGC-1alpha, Muscle  (02:08:04) Tools 12: Exercise, HIIT, Tabata & Sauna  (02:13:30) Tool 13: Sauna, Endorphins/Dynorphins, Mood  (02:17:45) Tool 14: Mild Stress, Adrenaline & Memory (02:19:53) Sauna, Vasodilation & Alzheimer's and Dementia Risk  (02:25:30) Sauna Benefits, Cardiorespiratory Fitness, Heat Shock Proteins (HSPs)  (02:31:29) Insulin signaling, FOXO3 & Longevity  (02:33:22) Tools 16: Sauna Protocols, Hot Baths & Fertility  (02:37:41) Tool 17: Exercise & Longevity, Osteocalcin  (02:41:37) Tools 18: Red Light Sauna? Infrared Sauna? Sauna & Sweating of Heavy Metals (02:47:20) FoundMyFitness Podcast, Zero-Cost Support, YouTube Feedback, Spotify & Apple Reviews, Sponsors, Patreon, Momentous Supplements, Huberman Lab on Instagram & Twitter Title Card Photo Credit: Mike Blabac Disclaimer

Huberman Lab Podcast Notes Key Takeaways Intermittent challenges or stressors to your system are good – humans are evolved for challenges, but today's lifestyle has taken away most of the common struggles we experienced beforeThree key nutrients for the brain and body: (1) sulforaphane; (2) omega-3; (3) vitamin DFood sources of sulforaphane: broccoli (barely cooked), broccoli sprouts, moringa powder“I personally think [omega-3 fish oil] is one of the most powerful anti-inflammatory things, dietary lifestyle things we can get easily that is going to powerfully modulate the way you think, the way you feel, and the way you age.” – Dr. Rhonda PatrickVitamin D is not just a vitamin! 70% of the US population is deficient – it's worth measuring & supplementing to optimal bone health, immunity, hormone conversion, and moreThere's a strong dose-dependent nature of sauna use: people who use sauna 4-7x/week have a lower risk (60% reduction) of dementia and Alzheimer's; people who use sauna 2-3x/week have a 20% reduction in riskHeat stress mimics moderate cardiovascular exercise effect – this could be a great onramp for people who are otherwise unable to exercise due to disability or whatever reasonThe cardiorespiratory system is improved in people who do both sauna and exercise compared to doing either aloneStress & memory: if you're too relaxed you won't remember things as well; at peak levels of stress, you remember things better until you reach too high a level of panic               Read the full notes @ podcastnotes.orgMy guest is Rhonda Patrick, Ph.D. She earned her doctoral degree in biomedical science from St. Jude Children's Research Hospital at the University of Tennessee Health Science Center and has become one of the leading public health educators on the brain and general health, aging, cancer, and nutrition. We discuss the four major categories of micronutrients that regulate cellular and organ stress and antioxidants, inflammation, hormone regulation, immune system, and longevity. Dr. Patrick provides actionable protocols for obtaining key micronutrients from food and/or supplement-based sources. Additionally, Dr. Patrick outlines protocols for deliberate cold and deliberate heat exposure to benefit metabolism, cardiorespiratory fitness, mental health, and lifespan.  Thank you to our sponsors AG1 (Athletic Greens): https://athleticgreens.com/huberman Thesis: https://takethesis.com/huberman InsideTracker: https://insidetracker.com/huberman See Andrew Huberman Live: The Brain Body Contract Tuesday, May 17th: Seattle, WA Wednesday, May 18th: Portland, OR https://hubermanlab.com/tour Our Patreon page https://www.patreon.com/andrewhuberman Supplements from Momentous https://www.livemomentous.com/huberman. For the full show notes, visit hubermanlab.com. Timestamps (00:00:00) Dr. Rhonda Patrick – Micronutrients, Cold & Heat Exposure  (00:03:12) Momentous Supplements (00:04:27) The Brain-Body Contract  (00:05:30) AG1 (Athletic Greens), Thesis, InsideTracker (00:09:42) Stress Response Pathways, Hormesis (00:16:38) Plants, Polyphenols, Sulforaphane (00:21:12) Tools 1: Sulforaphane - Broccoli Sprouts, Broccoli, Mustard Seed  (00:23:50) Tool 2: Moringa & Nrf2 Antioxidant Response (00:25:25) Sulforaphane: Antioxidants (Glutathione) & Air Pollution (Benzene Elimination)  (00:27:10) Plants & Stress Response Pathways, Intermittent Challenges  (00:29:35) Traumatic Brain Injury, Sulforaphane, Nrf2  (00:35:08) Tools 3: Omega-3 Fatty Acids (ALA, EPA & DHA), Fish Oil, Oxidation  (00:48:40) EPA Omega-3s & Depression  (00:52:02) Krill Oil vs. Fish Oil Supplements?  (00:54:23) Benefits of Omega-3 Fatty Acids, Omega-3 Index & Life Expectancy  (00:59:24) Tool 4: Food Sources of EPA Omega-3s  (01:06:07) Omega-3 Supplementation, Omega-3 Index Testing (01:10:22) Benefits of Omega-3s  (01:14:40) Tool 5: Food Sources of DHA Omega-3s (01:17:07) Vitamin D & Sun Skin Exposure  (01:22:18) Role of Vitamin D, Gene Regulation  (01:25:30) Tool 6: Vitamin D Testing & Vitamin D3 Supplementation  (01:33:15) Tool 7: Skin Surface Area & Sun Exposure, Vitamin D  (01:34:23) Vitamin D & Longevity (01:36:46) Sun Exposure & Sunscreen (01:40:30) Role of Magnesium, Magnesium Sources, Dark Leafy Green Vegetables (01:44:50) Tool 8: Magnesium Supplements: Citrate, Threonate, Malate, Bisglycinate  (01:50:57) Tool 9: Deliberate Cold Exposure Protocol & Mood/Anxiety (01:59:22) Tool 10: Cold Exposure, Mitochondria UCP1 & Heat Generation (02:02:30) Tool 11: Cold & Fat ‘Browning', PGC-1alpha, Metabolism (02:05:08) Cold Exposure & High-Intensity Interval Training (HIIT), PGC-1alpha, Muscle  (02:08:04) Tools 12: Exercise, HIIT, Tabata & Sauna  (02:13:30) Tool 13: Sauna, Endorphins/Dynorphins, Mood  (02:17:45) Tool 14: Mild Stress, Adrenaline & Memory (02:19:53) Sauna, Vasodilation & Alzheimer's and Dementia Risk  (02:25:30) Sauna Benefits, Cardiorespiratory Fitness, Heat Shock Proteins (HSPs)  (02:31:29) Insulin signaling, FOXO3 & Longevity  (02:33:22) Tools 16: Sauna Protocols, Hot Baths & Fertility  (02:37:41) Tool 17: Exercise & Longevity, Osteocalcin  (02:41:37) Tools 18: Red Light Sauna? Infrared Sauna? Sauna & Sweating of Heavy Metals (02:47:20) FoundMyFitness Podcast, Zero-Cost Support, YouTube Feedback, Spotify & Apple Reviews, Sponsors, Patreon, Momentous Supplements, Huberman Lab on Instagram & Twitter Title Card Photo Credit: Mike Blabac Disclaimer

In the words of the legendary Terry Pratchett, in the Discworld novel The Truth:“A lie can get halfway around the world before the truth has had a chance to get its boots on.”Or from one of my favorite bands, The Protomen in their song, “The Hounds”:“When I say he was a monsterWhen I set fire to his nameIt does not matter where you hear it fromWhether truth or lies, it gets said all the sameBecome a ReConsider Patron…Whatever's on the table plays!”Volume biasI've been on a kick recently about a propensity for us to misunderstand or misrepresent people who aren't in our tribe. And how BS gets amplified.In “How to casually radicalize a citizen,” we talked about how people with less-than-awesome intent can easily (and do) create a stream of the worst of the opposition. You can see this and then get a bit radicalized yourself, as we see.But this is happening passively, too. I call it VOLUME BIAS.Shout-out to...Bob NelsonClint LohseElianTheWitchDXXXVIIISUMMARY:-More partisan positions tend to be simpler-Simpler is easier to digest, shorter to say than more nuanced positions-Easier to repeat, too-You'll hear them more often-They naturally get more opportunities to make their massage heardHow I think volume bias works among regular people:More partisan people are both more certain and more passionate about their certainty, because less partisan people are more prone to have nuance and remaining questionsSo partisan people can…State a clearer positionState a shorter positionSay it with deep conviction that less partisan ones can'tMore partisan folks are more likely to attack others, as well, meaning the less partisan folks often get intimidated out of the conversation, tooLess partisan folks are indeed having conversations, but quiet ones - in the kitchen. I'm one of the folks they confess to, all over the political spectrum. They feel they've lost touch with their own party (or vice versa)This becomes a self-reinforcing cycleHow volume bias seems to work in the media and electionsNuance is harder to understand than the more loud/short/simple positionsAnd so, the nuanced stuff will literally be forgotten, it won't catch our attention nearly as muchWe're largely consuming media differently -- getting more individual bits about more things going on in the world, but with less time and focus for each individual thingSo even where the news / politicians are playing more nuanced stuff, you just don't hear it nearly as well, don't digest and retain it nearly as well…...especially if you are not consuming long-form articlesThe resultThere is a bias in what we're exposed to - higher volume stuff is shared moreThere is a bias in what we digest and remember - it's like we have a high-pass filter for anything that's not loud/simple enoughSo we only really get very loud versions of what our team believes and what the other team believes…...these loud versions are the most partisan, certain, and simpleThrough highly repeated exposure we start to lose our own ability to remember that there can be nuance in our own team's positions, much less the other team'sExamples:The vaccine itself - how it works, why it's safeTrump's great at it: “I'm gonna build a big, beautiful wall” “I'll end the ISIS war in 100 days”The fact that both of these were ridiculous took more time to explain, so it was harder to convince people“The election was stolen”INITIATIVEIs huge.Generally accusations and affirmative positions, once stated, if they are attractive, require far, far more energy to refute than they were to spread in the first place. Volume Bias Likely Helped Trump Get ElectedTrump predicted news ratings would take a hit when he was no longer presidentHe was rightThe guy was very loud, and people listened whether they loved or hated him(The fact that news ratings dropped without him is a key case study - it's our own reading/listening behaviors that drive the volume bias)Trump not only got a lot of free airtime…...but the typical “sparring debate” cable news shows had a democrat and a pro-Trump republican because having agreement is not loudu and therefore BORINGHow was this prevented in the past? Are we doomed?Demagogues did pop up! And, lo and behold, they had very simple messages that could be repeated easily. Greece and Rome, 20th century Europe, etc, all come to mind. There is always space in a fairly free society for Charlatans.HOWEVER, the big thing in parts of the past was clearinghouse that had the technological and economic power to constrain what got volume, and the incentives to do so.And generally I think there is a trend of technology between fracturing and consolidation of power over messaging volume. We are in an incredibly fractured state now. I gave a few talks at MIT's Enterprise Forum about just this, and in making this episode I just now decided to go get those onto the podcast for y'all, so stay tunedSupport this show http://supporter.acast.com/reconsiderpodcast. See acast.com/privacy for privacy and opt-out information.

Tracking KPIs is VITAL to the health of your business! This week, we're here to breakdown some of the most common KPIs found in private practice, give you some examples of how the numbers work, and explain how to understand them.If you're interested in learning more about what KPIs to track in your business, click HERE to check out our blog post all about KPIs!Episode Highlights:KPIs - What are they?KPI stands for Key Performance IndicatorThey help you track different facets in your business, such as finances, capacity, profitability and so much moreThere are no right or wrong numbersEvery business's KPIs look different based on what metrics the owner is focused on, so don't feel pressured to track the same KPIs as someone else! Focus on the goals of your business and decide what KPIs to track from there.KPIs will ebb and flow with your business - not everything will be stagnant and that's okay!Keep your focus specificIn order to make effect changes in your business, focus on tracking 2-3 KPIs at a time - any more than that can get overwhelming and pull you in too many directionsIt is important to change the KPIs you're tracking as the needs of your business changes - trying to track everything at once will lose it's overall value to your business because you will be unable to make changes effectivelyLagging vs. LeadingLagging indicators help you take a look back and evaluate what you can do differently in the futureLeading indicators happen in advance of something else and give you a realistic look at what you can anticipate will happen within a certain amount of timeCommon KPIs to track in private practiceAverage fee per sessionAverage profit per sessionIncome per therapistProfit per therapistCash on hand/cash reserves (in months)Capacity utilization (space vs. schedule)Marketing inquiries & conversionLinks & ResourcesGreenOak AccountingTherapy For Your Money PodcastPrivate Practice Budgets (Solo & Group)

It’s pretty obvious there has been both positive and negative disruption to the events sector over the last twelve months, that’s why I was extremely excited to have Marco Giberti join me in conversation on the latest episode of the Waves Connects Podcast. For those that don’t know him, Marco is founder and CEO of Vesuvio Ventures, providing early stage entrepreneurs access to coaching, partnerships, advisory and capital. He has also recently release a book with co-author Denzil Rankin from AMR called Reinventing Live: the Always on Future of Events. We talk about a lot, but something I enjoyed hearing when listening back was about the realization that #eventtech is no longer a luxury, but a priority to the future of events We also talk about:How events are being thought about with “tech first” strategies in mindThe skills gap, but also the skills opportunity in this sector – there’s lots of areas to refocus onCommunities – it’s a hot topic so we talk about the opportunity for niche communities For event tech companies, Marco shares some wise words to help you find your niche – what problem are you really trying to fix? Listen to find out moreThere’s lots of problems to fix around events – not a negative, but it means there is lots of opportunity to build technology for frustrated organizers to see if you can help them with a tech solution.Where to go for inspiration on what we could do next? Look outside of events – education tech, retail tech, sports tech, marketplaces… All in, it’s an exciting time for event technology and events with technology. With audiences in their billions all getting used to an “online life”, we are creating a new customer mindset that technology can and should be a benefit to their lives. We also touch on Marco’s new book with co-author Denzil - Reinventing Live – An always on future of events. Our events industry was successful for 100’s of years, but this book encourages readers to rethink their value proposition and skills for the future. How can we unlearn skills that are no longer valid, but learn skills that are valid for our communities of the future. Tech, strategy, innovation, new business models – it’s all covered in this great new book and hopefully enables you to spark new ideas for your events future.You can buy the book here – or read more on their website here https://reinventinglive.com/ This episode is supported by Twigged.io - your global events wallet. Support the show (https://www.buymeacoffee.com/wavespodcast)

The guys hang out and talk about some of the movies they're most excited to see in 2021. Highlights include:Willy's WonderlandSuicide SquadThe Unbearable Weight of Massive TalentRidley Scott - Gucci; The Last DuelA whole lot moreThere's also a Grace and Frankie intro that takes an oddly sexual turn if you're into that sort of thing. Rate, review, and subscribe!(Intro theme by Kevin MacLeod)

Pure Rock Fury meets Blue Sunday for a festive Mash up on Christmas Day 5pm 'Someone's Got An Empty Sack 2!' Join Paul for festive fun, frivolity and tunes from The Who, The Bellrays, Stiff Little Fingers, Greg Lake, Electric Eel Shock, Small Town Titans, The Reverend Horton Heat, Blitz, Misfits, The Black Crowes, Chuck Berry and much moreThere'll be plenty of festive cheer and some seasonal good wishes from many bands, along with a special message from the one and only Charlie Chuck! All the very best of the season to you all!Stay Safe & Well

WOW if you buy or are looking to buy at auction then this is going to tick your boxes. We discuss 8 lots coming up for auction on 11 December 2019 and some associated risks and opportunities with each lot.Some of the things discussed are;Enforcement noticesPermitted DevelopmentStrengthening a commercial covenanantAdding Value to an assetHMOs and supply and stressand lots moreThere is some brilliant insight into what the pros look at when sizing up whether to buy these lots so get your pen and paper ready.As always Piotr Rusinek, Jay Howard and Ranjan Bhattacharya add way more value than I do on these.Link for the catalogue is https://auctionhouselondon.co.uk/current-auction/Dont forget our charity workshop on the 9th January. If you are looking to scale your property business then this is a musthttps://www.eventbrite.com/e/charity-property-business-workshop-tickets-80349239739If you are interested there is a great workshop on 7th December which goes into more details about permitted development that we discuss- PD Workshop with Colin Smith*http://bit.ly/pdworkshop712*£450+VAT per person* There is also a specific Auction workshop run by Piotr and Jay on 8th December - Property Auction Workshop* http://bit.ly/auctionworkshop *£497+VAT per person* See acast.com/privacy for privacy and opt-out information.

Eamonn hosted the team of Stan Godwin, Ted Robinson, George Lampey and Johnny Burrow in the studioThe team reviewed the Millwall's form and change of managementFormer Millwall goalkeeper Brian Horne was the featured guestThe question for the show asked what the new manager needed to do to strengthen the squadGrumpy Old Gits spoke about the club shop, the Fan on the Board, Neil Harris press conference at Cardiff, the Blue Bus, Millwall v West Ham and moreThere is a podcast question with Bethany Warren and Millwall Community matters were highlighted.

In this episode, I’m speaking with Kyle Bouchard, the Founder and Broker of Record at International Realty Firm based in Toronto.This is a pretty special episode, because Kyle was actually one of Web4Realty’s first 20 or so clients almost 9 years ago. Just like us, Kyle was just starting out back then, so it’s pretty neat to be able to witness and now talk about his rise in the real estate world.He recently launched his brokerage, International Realty Firm, and have quickly grown to 85 agents. We’re talking about a few different topics in this episode, including:What technologies you can’t ignoreHow he’s trying to leverage technology so his brokerage agents spend less time doing admin and more time doing what they loveWhy online lead generating has worked best for KyleHow to prepare for an effective listing presentationMuch, much moreThere’s a lot jammed into this half hour episode. I hope you enjoy!

Podcast: Are you about to quit Forex Trading?In this weekly video:00:26 – Frustrated trader on live webinar01:06 –  Less in more01:50 – No one perfect way of trading02:24 – Look at your charts twice a day03:31 – Buy and Sell Limit orders04:20 – Be part of a trading community05:10 – 3 trades made a +1.5% account gainAre you about to give up Forex Trading that's just not working for you? If that's you, I've got some really important information for you to listen to first before making that decision. Here we go.Hey traders, Andrew Mitchem here, the Forex Trading coach of video and podcast number 290.Now, I wanna share with you a story from my live webinar with my clients just last night. Now in that webinar, I had a new client on his first live session with us as the group, and he said to me,Frustrated trader on live webinar"Hey, Andrew, I've been trading for eight years, on and off. It's just not working for me. I've joined your course as basically the last ditch effort to make trading work. What's the secret? Can you ask people on the webinar, other clients, what's the secret to making this whole thing work? Why are they successful and I'm not?"It was really interesting to watch the comments come through from a number of my clients, and a number of them have been with me for many years.Less in moreThere were a range of comments come through, but basically it came down to the less-is-more philosophy, the trade to longer timeframe charts, the be selective with your trading as in don't take B grade setups. Only take the top quality setups. Get to understand the patterns that you're looking for. So, we looked for, basically, two quite distinctive patterns. One's a reversal, one's a continuation. Basically, if you get most of the setup looking exactly as you want, it doesn't matter what the pay or what the timeframe, what the direction is, but if you get that, so often the trades will work out. And why? It's because of probability.No one perfect way of tradingNow, there is no one perfect way of trading, and different people have different ways of trading, obviously, and that's why the strategy that I use basically combines different bits and pieces of different strategies to get one overall proven strategy that works. Along with that strategy and the patterns that you're looking for, it was about taking those longer timeframe charts. Personally, I wouldn't look at anything less than one hour timeframes. Be selective. Don't worry if you miss trades. You're gonna miss trades. You don't have to be at your computer all the time.Look at your charts twice a dayA really interesting comment came out from a client that's been with me for about three years. His advice was just to look twice a day and that's it. You've gotta carry on with normal things in life, whether it be family, entertainment, recreation, job, whatever it might be. But, it has to be realistic in terms of the time that you can dedicate to your trading. He was saying, "I just look twice a day and that's it."He looks around 5:00 am New York time, and 5:00 pm New York time. Now, at 5:00 pm New York time, which is the beginning of the new trading day, at the beginning of the week you can look at the weekly charts. Beginning of each day you can look at the daily charts, and also, you can look at the 12 hour, the 8 hour, the 6 hour, the 4 hour, and the 1 hour charts. Put that all together once a day at 5:00 pm New York time. It might take you maybe 20 minutes, 15, 20 minutes to go through all those charts. Very, very easy to scan through and select which trades you'd like to take. And then, at 5:00 am New York time, which is when I hold my live webinars, you can then look at the 1, 4, 6 and 12 charts. That's it.

Podcast: Waiting for an “A” Grade Trade SetupIn this weekly video:00:27 – Wait for the A Grade trades00:44 – Too many trades over trade01:21 – Be patient and wait02:04 – There are no prizes for trading more03:29 – Have probability on your side as a trader03:52 – Freely available helpful trading information on my siteWhy should you wait for an A grade trade setup? Let's talk about that and more right now.Hi, Forex traders. Andrew Mitchem here, the owner of The Forex Trading Coach, video and podcast number 243.Wait for the A Grade tradesI want to talk about a subject that will almost certainly affect you and it's about overtrading, and it's about why you as a Forex trader should wait for an A grade trade setup. Whatever your rules, whatever your strategy, whatever your criteria, it's really important that you wait for that A grade setup. Why? Well, I just see so many traders who overtrade.Too many trades over tradeThey feel that they have to be in the market all the time. They're constantly watching their charts. They're looking for new trade setups. They're always feeling that itch, that mouse click, that computer keyboard button itch to take a trade.A lot of people feel that if they call themselves a trader whether it'd be just a part-time hobby trader or more than that, they feel they have to be in a trade, have to be in the market otherwise they're not doing anything. Unfortunately, it's not good for your long-term longevity and your long-term health as a Forex trader.Be patient and waitYou see, it is really important that you are disciplined and that you're patient and you wait because if you don't, all you're doing is overtrading. You're getting more and more stressed. Trades are likely going wrong. Your win rate is going to be low. You're going to get angry at the market. You're lacking that discipline, that self-control and then you start blaming other people. Things go wrong. You're losing more money than you're making. You then look for another strategy, another robot, another magic pill and the cycle just keeps going round and round and round. I'm sure you understand what I mean.In order to do that, it is really important that you are disciplined and you do wait for your A grade setup because I have a phrase that I say to my clients.There are no prizes for trading moreThere are no prizes for trading more. What that basically means is just because you take more trades does not mean to say you're going to make more money. In fact, it's generally the complete opposite. The only thing that certainty about taking more trades is all you're going to do is take more money out of your account and put into your broker's account. Really, we don't want that, do we? After all, as traders, we're more interested in what's in our account than we're feeding to the broker all the time in entry fees and in spread fees, all that type of thing. It's not good. You do not have to be watching your charts all the time. You do not have to be feeling like you're taking trades all the time because long-term that's not good for you. You have to have your trading that's enjoyable and it has to be realistic to accomplish.Sitting, watching your charts 24 hours a day, seven days or five days a week is not realistic. Sitting, watching your charts 8, 10 hours a day is not realistic. It's not enjoyable that's for sure. You certainly can't travel. You certainly can't do that over and over again. Almost certainly, you'll burn yourself out. You just have to stop or you just lose your account and you'll be forced to stop or you'll blame the market. You'll say that Forex doesn't work. It's a scam. It's a gamble. The broker is against me, all these things that people will for whatever reason say and that will be your conclusion.

Podcast: Fantastic Opportunities to Profit from Buying the YenIn this video: 00:29 – This week’s charts and the JPY strength 01:00 – Rare to get a currency show such strength all week 01.23 – Did you know the JPY was going to move? 01:50 – Selling the GBP/JPY and USD/JPY – posted for clients on Monday 02:35 – GBP weakness continues and the JPY is strong – leads to an 800+ pip move 03:18 – You need to be able to see and take the trade before the big move happens 04:14 – Live trades on live webinars 04:38 – A good sound strategy and learn from a professional trader 05:03 – Get onto one of my free webinars to learn moreThere have been some fantastic opportunities to buy the Japanese Yen this week. Have you made money from it? If you have, fantastic. If you haven't, you need to watch this.Hi Forex Traders, Andrew Mitchem here. I'm the owner of The Forex Trading Coach and I've been coaching Forex traders all around the world for almost 7 years now.This week’s charts and the JPY strengthI want to talk to you what we've seen on the charts just this week. You would have noticed and you could have not failed to notice massive, massive movements across all the Japanese Yen pairs. Huge strength in the Japanese Yen across the board, across all pairs. What's this done is it's presented us with some fantastic trading opportunities, opportunities that you don't see every week. Some weeks you'll get a good day or maybe a good couple of days with some good movements.Rare to get a currency show such strength all weekBut very rarely do we see a currency like the Japanese Yen just shown massive strength and it's continued the entire week. Quite often you'll see a good bit of strength in a currency and you'll see it retrace a bit and then go again. This week, Japanese Yen has just been the currency.Did you know the JPY was going to move?The interesting thing and the point that I'm wanting to make is at the beginning of the week, did you know that it was going to move either in which direction or how much it was going to move? The answer's probably no. For myself, I had a fairly good understanding of which way it was going to move.Selling the GBP/JPY and USD/JPY – posted for clients on MondayOn Monday morning, at the beginning of the week, I posted on my website for my clients that I was looking at strength in the Japanese Yen. I said I was looking at selling opportunities in the week on the British pan, Japanese Yen and also on the US, Japanese Yen. I didn't know at the time how much it was going to move because so far this week, the Pound/Yens moved 800 pips. The US/Yens moved around 450 pips which for that pair is a lot of movement. The good thing as I mentioned earlier is that it's been pretty much a consistent movement. It hasn't been a big move down, then a big pull back, and another go. It's been pretty much a downward trend the entire week on the Pound/Yen and the US/Yen.GBP weakness continues and the JPY is strong – leads to an 800+ pip moveThe Pound/Yen has had a big move, 800 pips this week with just 1 day to go. When you think about it, for the past few weeks I've been talking about the weakness in the British/Pound. You put that together with strength in the Japanese Yen, so you've got weakness in the Pound, strength in the Yen, put the two together, it's just been a perfect currency in strength and weakness terms. Also technically on the charts for that to drop like a stone and it has done that. 800 pips. How much have you picked out of that big movement so far this week? How many smaller trades have you seen with good selling opportunities?This week, on Monday, I said to my clients, "I'm looking for short positions, Pound/Yen, US/Yen and throughout the week on the daily charts I've...

ward-winning Landscape and moreThere is lots of gardening work to be done in late fall and even more plants that thrive during this time. This week Bryce divides some plants and stores others for spring. Then he visits an award-winning landscape in the western part of the state.