Podcasts about Prospective

Today we have Michael Reeder in this podcast. He is a franchise accountant and has years of experience in the franchising industry. Michael is going to share some secrets with us that he's learned over the years about what prospective franchisees need to look for when choosing a franchise. He'll also talk about the importance of having an accountant as part of your business team! Visit Swartz & Reeder Advisors Website: https://swartzreeder.com/ Tired of your job? Thinking of starting or buying a business? Take our Biz Quiz to filter through over 10,000 business opportunities today! https://www.vettedbiz.com/quiz-test/ Need help finding the right franchise? Click here: https://www.vettedbiz.com/franchise-search/ 00:00 Introduction 01:07 Q&A - Why you got into accounting and how you make the transition to focus on franchising? 10:54 About the average CPA role 14:05 Q&A - What are the main concerns of prospective franchise buyers in the process of signing a franchise agreement? 19:12 About having a good team of advisors 20:39 Q&A - What do you see as a red flag when a client network is 200k and is investing 400k in a franchise? Do you have a data acquired ratio? 23:47 Q&A - Do you also help franchise buyers with the performa? 27:40 Q&A - Do you help with the franchisee validation process? 28:38 Q&A - Is there any particular item from the FDD that every franchisee should look at? 31:20 Q&A - Have you ever asked a brand: “I notice you do not break down royalties and franchise fee income. Do you mind breaking that down for me?”. 32:17 Q&A - Any last thoughts for prospective franchise buyers? 42:27 Conclusion #FranchiseAccountantSharesSecretsForProspectiveFranchisees #FranchiseFindings If you are looking for more information, you can connect with us through our networks: https://www.vettedbiz.com/ https://www.linkedin.com/company/vettedbiz/ https://www.facebook.com/vettedbiz https://www.tiktok.com/@businessandfranchiseinus

What we talked about: 1:10- Example case of lateral hip pain 2:30- Diagnosis of lateral hip pain 7:50- Differential diagnoses 12:00- Exercises for rehabbing lateral hip pain 13:30- Management of pain 19:45- Treatments References: -Bird PA, Oakley SP, Shnier R, Kirkham BW. Prospective evaluation of magnetic resonance imaging and physical examination findings in patients with greater trochanteric pain syndrome. Arthritis Rheum. 2001 Sep;44(9):2138-45. -Tortolani PJ, Carbone JJ, Quartararo LG. Greater trochanteric pain syndrome in patients referred to orthopedic spine specialists. Spine J. 2002 Jul-Aug;2(4):251-4. -Mellor R, Bennell K, Grimaldi A, Nicolson P, Kasza J, Hodges P, et al. Education plus exercise versus corticosteroid injection use versus a wait and see approach on global outcome and pain from gluteal tendinopathy: prospective, single blinded, randomized clinical trial. BMJ 2018; 361:k1662. -Khan KM, Cook JL, Taunton JE, Bonar F. Overuse tendinosis, not tendinitis part 1: a new paradigm for a difficult clinical problem. Phys Sportsmed. 2000 May;28(5):38-48. -Fitzpatrick J, Bulsara MK, O'Donnell J, McCrory PR, Zheng MH. The Effectiveness of Platelet-Rich Plasma Injections in Gluteal Tendinopathy: A Randomized, Double-Blind Controlled Trial Comparing a Single Platelet-Rich Plasma Injection With a Single Corticosteroid Injection. Am J Sports Med. 2018 Mar;46(4):933-939.

Prospective college students and their parents can get expert help filing for financial aid for college in fall 2022 at College Goal Washington, a free event that helps students and families complete the FAFSA. https://bit.ly/3SHDg6A #WashingtonStateUniversityVancouver #WSUVancouver #FinancialAid #ExpertHelp #CollegeStudents #Parents #CollegeGoalWashington #FreeEvent #FAFSA #FinancialAssistance #HigherEducation #VancouverWa #ClarkCountyWa #ClarkCountyNews #ClarkCountyToday

Melissa Giles, Director of Portfolio Management with Americana Partners presents the Monthly Market Commentary as written by, David M Darst, Chief Investment Officer with Americana Partners.  Any charts/graphs referenced are available in print format and may be provided at your request. David is currently the Chief Investment Officer for Americana Partners. David served for 17 years as a Managing Director and Chief Investment Strategist of Morgan Stanley Wealth Management, with responsibility for Asset Allocation and Investment Strategy; was the founding President of the Morgan Stanley Investment Group; and was founding Chairman of the Morgan Stanley Wealth Management Asset Allocation Committee. After 2014, he served for several years as Senior Advisor to and a member of the Morgan Stanley Wealth Management Global Investment Committee. He joined Morgan Stanley in 1996 from Goldman Sachs, where he held Senior Management posts within the Equities Division and earlier, for six years as Resident Manager of their Private Bank in Zurich. David is the Author of twelve books: (i) The Complete Bond Book (McGraw-Hill); (ii) The Handbook of the Bond and Money Markets (McGraw-Hill); (iii) The Art of Asset Allocation, Second Edition (McGraw-Hill); (iv) Mastering the Art of Asset Allocation (McGraw-Hill); (v) Benjamin Graham on Investing (McGraw-Hill); (vi) The Little Book that Saves Your Assets (John Wiley & Sons), which was ranked on the bestseller lists of The New York Times and Business Week; (vii) Portfolio Investment Opportunities in China (John Wiley & Sons); and (x) Portfolio Investment Opportunities in Precious Metals (John Wiley & Sons). His works have been translated into Chinese, Japanese, Russian, German, Korean, Italian, Indonesian, Norwegian, Romanian, and Vietnamese. Seapoint Books published David's eleventh book in 2012 , Voyager 3, containing his creative writing, and in 2016, his twelfth book, Flim-Flam Flora, a children's book coauthored with his daughter. David appears as a frequent guest on CNBC, Bloomberg, FOX, PBS, and other television channels, and has contributed numerous articles to Barron's Euromoney, The Money Manager, Forbes.com, The Yale Economic Review, and other publications. He has broadcast and written extensively on asset allocation in the Morgan Stanley biweekly Investment Strategy and Asset Allocation Commentary and in the Firm's Wealth Management monthly publication, Asset Allocation and Investment Strategy Digest, the predecessors of which he launched in 1997. David attended Father Ryan High School in Nashville, Tennessee, graduated from Phillips Exeter Academy, was awarded a BA degree in Economics from Yale University, and earned his MBA from Harvard Business School. David serves on the Investment Committee of the Phi Beta Kappa Foundation and the Advisory Boards of the George Washington Institute for Religious Freedom and the Black Rock Arts Foundation. David has lectured extensively at Wharton, Columbia, INSEAD, and New York University Business Schools, and for nine years, David served as a visiting faculty member at Yale College, Yale School of Management, and Harvard Business School. In November 2011, David was inducted by Quinnipiac University in their Business Leaders Hall of Fame. David is a CFA Charterholder and a member of the New York Society of Security Analysts and the CFA Institute. Join Our Distribution List – For a full copy of our report. Americana Partners - https://www.americanapartners.com/contact/ Americana Partners Website - https://www.americanapartners.com/ Linked In - https://www.linkedin.com/company/americana-partners/ Spotify - https://open.spotify.com/show/3rX19ND89pwEob9efsFNNF iTunes - https://podcasts.apple.com/us/podcast/americana-partners/id1496186853 Google Podcasts - https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZXJpY2FuYXBhcnRuZXJzL2ZlZWQueG1s?sa=X&ved=0CAYQrrcFahcKEwj4gZrR_OnwAhUAAAAAHQAAAAAQAg   Disclosures Americana Partners, LLC is registered as an investment adviser with the SEC. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Americana Partners' current written disclosure brochure filed with the SEC which discusses among other things, Americana Partners' business practices, services and fees, is available through the SEC's website at: www.adviserinfo.sec.gov. The tax and legal information contained in this newsletter is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Foreign securities, foreign currencies, and securities issued by U.S. entities with substantial foreign operations can involve additional risks relating to political, economic, or regulatory conditions in foreign countries. These risks include fluctuations in foreign currencies; withholding or other taxes; trading, settlement, custodial, and other operational risks; and less stringent investor protection and disclosure standards in some foreign markets. All of these factors can make foreign investments, especially those in emerging markets, more volatile and potentially less liquid than U.S. investments. In addition, foreign markets can perform differently from the U.S. market. Investing involves certain risks, including possible loss of principal. You should understand and carefully consider a strategy's objectives, risks, fees, expenses and other information before investing. The views expressed in this commentary are subject to change and are not intended to be a recommendation or investment advice. Such views do not take into account the individual financial circumstances or objectives of any investor that receives them. The strategies described herein may not be suitable for all investors. There is no guarantee that the adviser will meet any of its investment objectives. All indices are unmanaged and are not available for direct investment. Indices do not incur costs including the payment of transaction costs, fees and other expenses. This information should not be considered a solicitation or an offer to provide any service in any jurisdiction where it would be unlawful to do so under the laws of that jurisdiction. Past performance is no guarantee of future results. It is not possible to invest directly in an index. Exposure to an asset class represented by an index is available through investable instruments based on that index. The S&P 500® Index is a widely recognized, unmanaged index of 500 common stocks which are generally representative of the U.S. stock market as a whole. The Nasdaq Composite® Index is the market capitalization-weighted index of over 2,500 common equities listed on the Nasdaq stock exchange. The types of securities in the index include American depositary receipts, common stocks, real estate investment trusts (REITs) and tracking stocks, as well as limited partnership interests. The EAFE® Index is a stock index offered by MSCI that covers non-U.S. and Canadian equity markets. It serves as a performance benchmark for the major international equity markets as represented by 21 major MSCI indices from Europe, Australasia, and the Middle East. The EAFE® Index is the oldest international stock index and is commonly called the MSCI EAFE Index. The Russell 2500® is a market-cap-weighted index that includes the smallest 2,500 companies covered in the broad-based Russell 3000 sphere of United States-based listed equities. All 2,500 of the companies included in the Index cover the small- and mid-cap market capitalizations. The Russell 1000® Growth Index is an unmanaged index that measures the performance of the large-cap growth segment of the U.S. equity universe. It includes those Russell 1000® Index companies with higher price-to-book ratios and higher forecasted growth values. The CBOE Volatility Index (VIX) is a measure of expected price fluctuations in the S&P 500 Index options over the next 30 days. The VIX is calculated in real time by the Chicago Board Options Exchange (CBOE). P/E or Price to Earnings ratio is indicates the dollar amount an investor can expect to invest in a company in order to receive one dollar of that company's earnings. The Consumer Confidence Survey® reflects prevailing business conditions and likely developments for the months ahead. The Manufacturing Business Outlook Survey is a monthly survey of manufacturers in the Third Federal Reserve District; Participants indicate the direction of change in overall business activity and in the various measures of activity at their plants: employment, working hours, new and unfilled orders, shipments, inventories, delivery times, prices paid, and prices received. The ISM manufacturing index, also known as the purchasing managers' index (PMI), is a monthly indicator of U.S. economic activity based on a survey of purchasing managers at more than 300 manufacturing firms. The Composite Index of Leading Indicators, otherwise known as the Leading Economic Index (LEI), is an index published monthly by The Conference Board. It is used to predict the direction of global economic movements in future months. A bond rating is a letter-based credit scoring scheme used to judge the quality and creditworthiness of a bond. The option adjusted spread (OAS) measures the difference in yield between a bond with an embedded option, such as an MBS or callables, with the yield on Treasuries. Mean reversion, in finance, suggests that various phenomena of interest such as asset prices and volatility of returns eventually revert to their long-term average levels. A meme stock is a security that has seen an increase in trading volume after going viral on social media or an online forum. This document may contain forward-looking statements relating to the objectives, opportunities, and the future performance of the U.S. market generally. Forward looking statements may be identified by the use of such words as; “believe,” “expect,”“anticipate,”“should,”“planned,”“estimated,”“potential”and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of any particular investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting a portfolio' operations that could cause actual results to differ materially from projected results. Such statements are forward-looking in nature and involve a number of known and unknown risks, uncertainties and other factors, and accordingly, actual results may differ materially from those reflected or contemplated in such forward-looking statements. Prospective investors are cautioned not to place undue reliance on any forward looking statements or examples. This material is proprietary and may not be reproduced, transferred, modified or distributed in any form without prior written permission from Americana Partners. Americana Partners reserves the right, at any time and without notice, to amend, or cease publication of the information contained herein. Certain of the information contained herein has been obtained from third-party sources and has not been independently verified. It is made available on an "as is" basis without warranty. Any strategies or investment programs described in this presentation are provided for educational purposes only and are not necessarily indicative of securities offered for sale or private placement offerings available to any investor. The mention of any individual security should not be construed as a recommendation to buy or sell that security.

There were more than 600 jobs on offer in Queenstown at a recruitment event last night - but only 100 prospective employees to fill the vacancies. The resort is gearing up for a busy summer and the event was designed to encourage winter workers to stick around after their seasonal contracts expire. Tess Brunton was there, and talked to some of them.

Should the legal limit for blood alcohol concentration when driving be lowered? How might that keep our roadways safe and reduce the numbers of DUI's causing accidents in the islands? Rick Collins, project director for the Hawai‘i Alcohol Policy Alliance and Thomas Billins, Acting Lieutenant for the Honolulu Police Department Traffic Division are on the show to explain why this is being considered, and the common signs that someone might not be driving well on the road.

In this episode, we will discuss Convert Your Prospective Contacts Into Closed Commissions.So sit back, relax, and enjoy the show!Watch the video version of this on my Youtube page at www.Youtube.com/SherriJohnson.Try out my new online coaching platform Playbook™ for 30 days! Get access to 15 plus courses and a monthly group Q and A coaching session. Get your free trial here https://bit.ly/3hjHvEj.

Young flat hunters are being asked to hand over intrusive and unnecessary private details in order to secure a place to live. A Consumer New Zealand investigation has found that some property agencies are breaking privacy laws by asking potential renters for very personal information. This morning the watchdog's Chief Executive Jon Duffy told us some property managers are asking prospective tenants to even show their bank statements. Renters United president Geordie Rodgers spoke to Guyon Espiner.

Cela fait du bien de pouvoir se poser avec un Monsieur comme Bernard Roth, senior advisor à l'Institut de l'Epargne Immobilière et Foncière, ancien Professeur à Sciences Po et à l'Ecole des Ponts Paris Tech et copilote, entre autres, du Plan Bâtiment Durable.  Nous interrogeons ensemble notre époque, fascinante mais inquiétante. Nous imaginons, grâce à lui, le possible chemin que prendrait le constructeur de demain.  Un entretien enregistré lors de la première édition du SIBCA pour LES ONDES DE L'IMMO.   Nous écrire : contact@ondesdelimmo.com ©️SAS VADÉ et Anne-Sandrine DI GIROLAMO ©️Musique par SHAM pour LES ONDES DE L'IMMO, propriété exclusive

Alors qu'on s'achemine vers un feu vert de l'Etat pour que les assureurs puissent indemniser les rançons demandées aux entreprises victimes de ransomwares, les Eclaireurs du Numérique invitent un expert reconnu, Valéry Rieß-Marchive - Redacteur en Chef de LeMagIT - pour échanger sur le bien-fondé de ce projet législatif. Avec Fabrice Epelboin, Damien Douani et Bertrand Lenotre.

Today I bring you my keynote from Lunch! 2022 which took place over 14 and 15 September at the ExCeL London where I explore how we can attract the right people for our businesses. I make no apology for the extent to which I advocate for having a solid set of your values, your mission and your vision for your coffee shop. And there is a reason for that. Your values, mission and vision run to every single part of your business. From your brand to your marketing, recruitment and leadership. There is no part of your business where having a solid set of values doesn't make a difference. Prospective employees want more from their work. They want to work towards a purpose and I believe that this is a key part of attracting more people to our individual businesses. I would love your feedback on my speech and what your thoughts are on how we can attract more people to our individual businesses. Partners RotaCloud - online rota and people management platform. Gone are the days of juggling shifts and availability with a spreadsheet pinned to your noticeboard. Check out RotaCloud and transform you and your team member's experience when it comes to shift and team member management. Visit www.thecafehustle.com/rotacloud to find out how RotaCloud can transform how you lead your teams today with a 30-day free trial - no credit card required. Hustle Together Online Community Go to thecafehustle.com/together to join the waitlist and have the opportunity to be one of our first 150 Founding Members. Don't forget to grab your FREE mini-ebook with 5 strategies for dialling in your mindset here. Learn more about your ad choices. Visit megaphone.fm/adchoices

So You Want to Start Your Real Estate Career? An interview with a prospective Agent. Industry veteran Michael Williams talks with Tia Stephens, a prospective agent, about what it takes to start a career in real estate. Do you need an agent? Call or email us! 706-271-6549 | info@sellingnorthgeorgia.com Looking for a Home? | www.sellingnorthgeorgia.com Find us everywhere! linktr.ee/sellingnorthgeorgia

Sia Senior began her career as a Mathematics educator at the high school and community college level. She earned her MBA in Economics and Finance and started in real estate as a real estate professional before transitioning to real estate investment. With nearly twenty years of real estate investment experience, Sia has helped build and manage an impressive rental portfolio. Sia is responsible for company operations and asset management. [00:00 - 06:06] Opening Segment Sia Senior, a former math teacher, achieved financial freedom by investing in real estate. She empowers others to achieve the same through education and connections. Sia how she became a real estate agent and how she transitioned from flipping properties to buying and managing rentals. She experienced highs and lows with her flipping business but eventually learned how to pick tenants and manage her properties successfully.   [06:06 - 12:01] Getting the Best Tenants and Scaling UpYour Portfolio with Tthe Help of A Mentoring Group Sia shares her love for teaching Sia shares her experiences with landlords Joining a mentoring group with people who are interested in commercial real estate would help you scale your portfolio.   [12:01 - 18:05] We Got a Handle on Commercial Property Underwriting Sia's company has been doing commercial property underwriting for 10 years and is now educated enough to do multi-unit investments They found a 16-unit townhouse community in Tennessee and got seller financing for 24 months  They are self-managing the property and have been working well with the tenants [22:31 - 24:34] Closing Segment Reach out to Sia Senor!  Links Below Final Words   -----------------------------------------------------------------------------   Tweetable Quotes:“We don't want people moving in and struggling to afford the rent and so we're pretty conservative with that. And that helps us because then if something happens in an emergency, it's not choosing between eating and picking the rent, we don't want those kinds of struggles for people. We don't want those for our tenants.” - Sia Senior    Connect with Sia by following her on LinkedIn or you may visit their website at https://arrowheadcap.com/ to know more! Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below:   [00:00:42] Sam Wilson: Sia Senior is a former math teacher that achieved financial freedom by investing in real estate. She empowers others to achieve the same through education and connections. Sia. Welcome to the show.  [00:00:51] Sia Senior: Thank you for having me. I'm so happy to be here.  [00:00:53] Sam Wilson: The pleasure is mine. Sia. There are three questions. I ask every guest who comes on this show in 90 seconds or less. Can you tell me, where did you start? Where are you now? And how did you get there?  [00:01:02] Sia Senior: Ooh in 90 seconds. So I started as a high school math teacher. I worked with my husband. We picked up our first rental transitioning to be real estate agents. I did that, you know, part-time while I was teaching full-time we picked up enough rentals and enough, you know, flips and things like that, that I was able in, you know, 2015, so 10 years later to go full time into real estate. We continued to build our portfolio until we. Enough that we self-manage a little, almost 30 units along with joining other people in two years last year to pick up a 16 unit you know, joint venture in Tennessee. And so that's kind of where I am and quickly how I got there.  [00:01:38] Sam Wilson: that's awesome. That's that was very, very quick. That's probably the fastest 96 version I've gotten. Yeah, no, I love that. Sorry. Tell me, tell me this. I mean, it's it. It's one thing to be a high school math teacher, cuz that's what you're trained to do is to teach high school math. And then it's an entirely different thing to say. Not only am I gonna start investing differently than everyone around me, but I'm also gonna get involved in a, in a career in an industry. I know nothing about. Walk us through that  [00:02:03] Sia Senior: process. Yeah. So, I mean, I think what happened was for us, you know, it happened by chance. So we, you know, working, my husband worked  for the federal government as a contractor. So both of us w two S the regular work every day, you save your money and you'll get there eventually. Right. And so when we first purchased our, our first home, we were like, wow, that agent made a lot of money. Real quick. And she didn't really do much, you know what I mean? She showed us a couple properties, no offense, but you know, that's really what happened so true. We should do that too. so on the side we became agents. And so we were doing that, you know, getting income coming in, you know, spurts of it. And, you know, decided for our house that we were living in, we were gonna convert that to our first rental. So we moved out. Of our primary residence made a new primary residence and made that first property a rental. And we were seeing immediately, oh, wow, look at this cash flow. That's coming from a house that we own, you know, we have a low mortgage on it cuz we had lived in it before. Right. And so the cash flow was doing really well. We're like, wow, this might work. This might work. And so we just started to, you know, build up, buy more properties. You know, we really worked on buying properties cuz we're in the DC area. So we bought properties that were in the Baltimore DC area. We're distressed. So, you know, we fixed them up a little bit and we're able to put people in them and get great cash flow. And so we just continued to do that. We did some flips in a DC area, you know, it's a high appreciation area, so you can definitely force the app, you know, the value of the property once you fix it up. So we took that active income and we used it and transitioned it to buy more rentals. So that we can continue to increase the passive income coming our way. So as we worked and my husband actually, you know, after two years of doing , the flips and buying the real estate, he went full time. And so I stayed as a teacher 10 more years while he continued to focus in, on finding the properties and taking out the residents and tenants and, you know, flipping, we did that so that we had a lot of active income coming and converting into passive income, which is why, you know, in 2015, I was able to go, you know, full time into real estate and manage other  [00:03:53] Sam Wilson: rental. That's awesome. I mean, 10 years is a long time to be slowing those seeds of residual income. I mean, that's what, what allowed you to say all right, we're gonna stay the course on this. Was there, I mean, tell, tell me about that.  [00:04:08] Sia Senior: Well, well I think for me, you know, I could have done it sooner cuz we, you know, we, by that time in 10 years we had probably maybe like 15 properties, so I probably could have done it sooner. I was, I wasn't necessarily ready to leave the golden handcuffs as they say right. Of, of the w two, the consistent income coming in when you're flipping a property or you're a real estate agent, even with the rentals. Well, the rentals are pretty consistent if you buy it right. Which we did, but with the active income from flips and, you know, being a real estate agent, There's highs and lows. Sometimes you have a lot of money coming in and then sometimes you don't have any right. Feast and famine. So for me, I was really concerned as we started to grow our family, that we always had something consistent like health insurance, because that could be very expensive, especially if something unforeseen happens, you know? And so for me, I needed to be comfortable knowing that we had enough foundation that if something happened financially, we will be able to handle it. And so I could have left sooner, but I really just wanted to be confident. That, you know, we would be taken care of. If that makes sense.  [00:05:06] Sam Wilson: Was there any confusion and, or kind of awkward glances from your colleagues, as you told 'em what you were doing and what your plan was? [00:05:13] Sia Senior: Oh, I mean all the time, they'd be like, , why do you renters? Why do you have renters? Like, why are you doing that? Oh, don't, aren't the tenants annoying. I don't think they call you at night and da, da, da, which, I mean, if you handle it correctly we are really good at communicating with our tenants. We are really good at, you know, Picking them well, right. So we're very upfront and communicate well about what the expectations are. And we do a good job of screening so that we don't have a lot of that. It took some time to get there, but by the time we had, you know, 10 units, I had gotten enough bumps and bruises to figure out, okay, here's how you pick a tenant. Here's how you don't pick a tenant. And so. By the time I was ready to leave the last, you know, let's say three years, I was preparing to leave. You know, it was no big deal. I mean, I was able to do it on the side while I was teaching. So I knew that if I left teaching and all of the grading of the papers and dealing with students all the time, I would have more time to be able to even grow, which we did cuz we definitely expanded and increased, you know, our assets after I went full time into real estate. Sure. But yeah, definitely. There was definitely like, why would you leave this? This is, this is easy. This is there's nothing to do, which it was. Teaching is, you know, well here and there it's really, you know, a, a great job to do. It's easy. It's one and it's fun, especially if you enjoy it. But just being able to control my time was much more important to me and spending time with my kids, you know, so that was much more important. [00:06:25] Sam Wilson: Fantastic. .  [00:06:25] Sia Senior: I've  [00:06:26] Sam Wilson: got a question for you on the picking your tenant's. Well topic, you mentioned that I want to hear what it is. You feel like your secret sauce is that helps you do that.  [00:06:37] Sia Senior: Wow. Yeah. Well, I think we've learned, you know, when we first started out, we were definitely like, okay, we need the warm bodies. so, you know, we were just so desperate to get people, especially when you have one or two units, the goal is to get somebody in there, get them paying. But when we become the realize, is that like, okay, just because they're a warm body and they might have. What looks like a decent income coming in. If you're not really qualifying them overall, it really, you, you can't guarantee that, especially in some places that are not landlord friendly like Baltimore, which is in Maryland, isn't as landlord friendly as maybe some of the, you know, locations in the south. And so it, it sometimes is a struggle to get them out. And so what we learned is that we really needed to one, make sure we met with. Prospective tenant that met our qualifications, that we communicated clearly what the expectations were that we were consistent. So, you know, we have a minimum credit score. We've got, you know, how much we think you should be making in terms of income. We don't want people moving in and struggling to afford the rent. And so we're pretty conservative with that. And that helps us because then if something happens emergency, it's not choosing between eating. Picking the rent, right? Like we want, we don't want those kind of struggles for people. We don't want those for our tenants. And so, you know, clarifying that and making sure that we do a thorough background in credit check, which we didn't necessarily do in the beginning again, but we do a, a quality thing that, and what I also do, I think that really it's helpful is that when we pre-qualify them so that we're not spending a lot of time showing everybody at the property we make sure that they're, you know, they've met the household income. We go meet them at the property, show it to them, or someone will show it to them, not necessarily us. Then we let them know, okay. Before you. Because now you like the property. That's great. Here are the qualifications that we're looking for. And so when you tell them that front, they disqualify themselves, you know what I mean? Because it's like, oh, I definitely don't meet that. Oh, I don't meet that. You know? And we don't have to worry about that. So we get left over people who are pretty much right there. They wanna be in the property, they've seen it. And we've, we've met them. So we have a, a good idea about like are they the type of tenant that we could work with and, and them for us as well. Right. And so that, by that whole, doing all of that upfront and making it clear, it really. Eliminates the people that would be difficult to work with and that couldn't afford it and might run into something. So that's pretty much what we do. We also do a home visit. So visit mm-hmm . So we visit their current place of where they live. And I think that is the trigger too, because some people don't want us to come to their house, but think about it. Like, it's not like we're going to yay or nail you from the house. Right. But in terms of like on the home visit, but. If you're concerned about, you know, someone coming into your home to look at it, to see how you live, you may not be the right tenant for us, because what we're looking for is not necessarily, if you were coming from a slum, slum landlord, we would know that, right? Like the mold and things like that, the ceiling not being repaired, that has nothing to do with the tenant. That's what the landlord but you keeping a place that has like, you know, there's crayons all over the wall. You know, it's not being kept up. There's holes punch in the wall. That was clearly by someone's fist. And not necessarily by, you know, like some, those are things that we would notice. And so we're not gonna be having someone that is gonna treat the property live in like that in our rental. And so we, they disqualify themselves on that because if you're not comfortable showing us your home, there's probably a reason why. And so we do that for everyone and people who don't have a problem with it, it's no big deal. And they end up coming in, you know, How do you, I think that that's our secret sauce.  [00:09:46] Sam Wilson: No, I that's. The first time I've heard that. I love that. How do you do that objectively so that you're not violating any fair housing law. And, and again, I don't even know what, I don't even know what law there would be out there that would say, Hey, you just didn't like your cuz your house was right. Like how, yeah. So you do that with a, with a consistent score card that you can then put in the file and say, Hey, I reviewed Sam's. And yes, he has crayon on his wall and like, whatever it is, I don't know. [00:10:14] Sia Senior: Tell. Right. Well, I'll tell you, like, because as I said, because we give that upfront to let people know everyone, every home that we've visited we've no one's ever been as qualified on their home. so. It's worked out, right? So the ones who have done those things, right? Like if you're some, a tenant that has destroyed your rental place, where you live, you wouldn't let us in because you've destroyed it. If, if it has mold because of the landlord, you're not, you have a problem letting me in because it's not, you it's a landlord. And we would know that from seeing it. So we've never disqualified anyone on, on moving into the home.  [00:10:50] Sam Wilson: That's brilliant. I love that. I love that. Cuz they've disqualified themselves. When you say that they  [00:10:55] Sia Senior: disqualified themselves. Yeah. And we tell 'em upfront. So then we don't have to worry about that because. You know, I'm a tenant. I'm proud of my home. I have no problem with it. Come and see, right. The ones that have destroyed it, they don't wanna see their house. They never they're like, no, we don't want, we don't want a home visit. Okay. Well, that's part of the that's. Everyone has this. It's the it's everyone, everyone, every one of our tenants we've had a home visit before. So it's, we're being consistent. It's not like we're choosing whose house we go to. Everybody's house gets visited.  [00:11:19] Sam Wilson: Right. Oh, that's really smart. If you're listening to this and you're wondering how to find a good tenant, there's a great screening feature that you know, I haven't quite heard before. I think that's really cool. Let's talk about scaling up your portfolio. I know you guys are working on some larger projects now and tell me how you're doing that.  [00:11:39] Sia Senior: Yeah. So we, you know, 20, 20 we, before 2020, we were trying to figure out how to scale because buying one or two or four units, you know, at some point you're gonna run outta either money or time or something like that. And so we knew the best way to do that would be to com connect with other people. And so we joined a mentoring group that had people who were interested in scaling and doing commercial real estate. We networked for a while. We really got a handle on the underwriting for commercial properties, because we could do obviously the underwriting for single family, four units, and two units, small ties in our sleep. We had been doing it for 10 years plus so we really wanted to be as Educated as possible. Particularly because when you're doing larger assets and we know we were gonna be bringing in family, friends and other investors, you know, the last thing we wanna do is lose our money and theirs. You know what I mean? So we took our time really just, you know, networking with people and getting a good feel for what it meant to have a profitable multi-unit. That was bigger than what we had been used to dealing. And so we networked enough that we connect with some people particularly through an underwriting group that I had been joining, you know, for over a year and networked with some of the people there. And someone in the group found the 16 unit in Tennessee. And, you know, we connected, we looked at underwriting and it looked like a great investment. So 16 unit, a townhouse community, it was. Built by the seller who was selling it, it's about 20 so years old and he was starting to offload all of his units. So he had a whole bunch and he was just letting them go. And so we were able to pick up that one, we got seller financing for yeah, for 24 months, which is good, you know, so we'll, we'll see how things go. I know the market's a little crazy now, but we've got some time, you know, the were grossly on the market particularly because, you know, he was on his way out, so he wasn't necessarily pushing rent and that kind of stuff. And so we've been able to really do a good job of. You know, communicating with the tenants, first of all, and, you know, making sure that no one was afraid of like new land, you know, new owners coming in and rent are going up, even though they were under market by like almost $400. So we've been working with them, the, the units ever opened, we were able to bring that up right away, doing a, you know, minor details and minor upgrading to it. The other residents who were there because of the type of people that we connected with that have the same value. We were able to work with them and slowly work on building. The, the rent increase. And so we were communicating with them. And so we didn't jump those rents up right away. But the goal is to do that and they we've communicated with them. And so they know what's coming. They also knew that they were dealing with a great asset where they had, you know, undermarket rents cuz when you looked around, they, they were sitting pretty. And so they recognize, you know, what was happening and we were communicating with them, which made it a much easier to deal with, you know, besides doing some upgrades to the outside of the property and making sure that, you know, the issues they had were taken care of. So it's been really good. So. Now,  [00:14:14] Sam Wilson: I mean, you may have said this and I may have missed it. Are you self-managing this property  [00:14:18] Sia Senior: as well? No it's in Tennessee. And so, you know, we self-manage in a DC area. So this one, cuz it's a joint venture. This is our first time doing a third party property manager. And we picked one of the top ones in the area. And so it's been great for me to be able to just, you know, see, I guess as an asset manage side where I see someone else running the rentals and taking care of it as opposed to, you know, us doing ourselves. And so it's been a great experience. So. What  [00:14:40] Sam Wilson: have been some things as you interviewed your potential property management companies, what were some qualifiers and or disqualifiers that you used? [00:14:50] Sia Senior: So I wasn't actually on the team that picked that group. But when we met , as a team to discuss it, we definitely talked about making sure that we had someone that was really familiar in the area because of where it's located in Johnson city. It wasn't like, you know, the DC area, Baltimore big cities where you have lots of property managers. Right.  [00:15:06] Sam Wilson: You mean John city, Tennessee is not DC.  [00:15:10] Sia Senior: right, right. So we've really had I know. Right. I know. So. We had to really hone in on like, you know, who were the top players in that area. And we went on referrals as well. We also looked at a national company that was gonna be . Maybe putting an asset manager or a property manager close by that would add on to our units, you know? But we ultimately went with one of the top two. That have been there for a while that know that area, because you know, they're familiar with what the rents could be. When you come from the outside, there's not a lot of like Zillow and things like that, to give you a good feel for what the rents are in the area. And so they had a good handle on it. And so for us, it was more important that we picked someone local that was really educated and been in the community and could do a good job. And so that was pretty much what we, we chose, even though we had a couple other options to go. That's really  [00:15:56] Sam Wilson: cool. I love that. Rewind your journey over the last, gosh, I don't even know how long it's been 15. Call it years that you've been in real estate. What's one that you would do differently if you could.  [00:16:08] Sia Senior: Wow. I think probably we would start sooner with joining with other people. I think you know, it's been a great experience and I think that, you know, because we were focused on just doing ourselves and having our own portfolio that we're building, which we still are doing on the side, there's just a lot more fun with other people, you know? And being able to scale quickly, you know, could we buy some of the smaller. 10 units by ourselves. We could, but it's much more fun when you do with other people, you get different perspectives. And I think that's what I've enjoyed most about coming into this space where I get to hang out with other investors. Right. And like-minded people. So I don't get the word looks like I did from my former coworkers, you know?  [00:16:43] Sam Wilson: There there is that. Yeah. I mean, yeah, absolutely. So you'd go bigger bigger, sooner, and really partner up with other people. Yeah. Which is a great, a great way to scale. I mean, and for those of us who aren't looking to build out our own in internal teams, Joint venturing with other people with similar goals and objectives is a great, I mean, that's a great way to take down projects and really expand your portfolio. That's absolutely awesome. What is one thing you feel like you've done really well that other people should emulate?  [00:17:12] Sia Senior: Hmm. I think for me, what I've done really well is really worked well with the residents and tenants in the community. I think that that has made a big difference on why we were able to, when the pandemic hit, we had. All of our residents were taken care of. We worked with them because of our communication style with them and communicating with them. And so if they needed a couple months or, well, a couple weeks or a month or two of, you know, working with them for the rents, we were able to do that with no problem. We lost only one tenant, meaning like during the entire. You know, when there was lockdown, we had, everyone were communicating with them except for one tenant who I didn't actually qualify the correct way. When I went back and looked at my stuff, I was like, oh man, I miss this. And so she was the only one that we ended up having to, you know, evict from the property. But everyone else. You know, was perfect. And I think that's because of the way that we connected with people and qualifying them in the beginning and then keeping the communication lines open. I wouldn't say they're family, but they're really, really close, you know, friends and I know what happens. They're when they have kids, when someone passes away, the kids are married or going college. And I think that has really helped us to work with, you know, Keeping our residents, we have a 95% renewal rate and that's just because yeah, because of our connections with them and communicating our expectations up front. And I think that helps us wow.  [00:18:27] Sam Wilson: A 95% renewal rate. That's you know, there's always things to learn. What was the one thing you missed in that tenant that you had to evict? [00:18:36] Sia Senior: So for me, I think what we missed was I didn't look thoroughly at her background. Right. And so, well, I mean, I looked through it, but I think I gave a little bit too much leeway and it can go either way. So sometimes you listen to the stories and you think so, for example, when you're looking at credit and the credit history, there are things that might happen that cause you to get a lower score, some things impact more than others. So not paying your student loans. Yeah. That hits you really hard. But I mean, , these college loans are a hundred thousand dollars. I mean, a hundred, th that's a lot of money, you know, I can understand why that would be a medical issue hits your scores really low, but you're. Trying to live, you know, so those are things that we gave a little bit of benefit to and didn't look necessary at the other historical things that would give us an idea about her. So , even though my gut said, no, I wanted to give her a little bit of grace and I think. I gave her a little too much grace, and that's fine cuz you know, sometimes you hit, sometimes you miss right. More of the time, more often than that, we, we hit, you know, and we provide second chances to those that need it because of life's craziness that happens. And I think that's why we're able to, you know, keep them so long for sure,  [00:19:38] Sam Wilson: for sure. And I love, I, I love that. I mean, , nobody gets it right every time, but you know, you guys are getting it right again at. Well, again, 95% of the time your, your tenants are coming back and you want them to come back. So that's a, that's, that's a pretty pretty heroic effort there. Absolutely love it. See it. Thank you for taking the time to come on the show today and share with us your experience, how you've gone from a high school math teacher to being financially independent, to owning a large portfolio of your own. And now how you're growing by joint vendoring with other people in the industry. Certainly love it and appreciate you sharing. Whether it's your insights today. If our listeners wanna get in touch with you and learn more about you, what is the best way to do that?  [00:20:17] Sia Senior: Well, I think they can reach out to me at our website Arrowhead cap.com. We have lots of information there, resources, and I'm also on LinkedIn. So I enjoy, you know, biding back and forth and talking to people there as well.  [00:20:28] Sam Wilson: Fantastic. Sia. Thank you so much. Appreciate it.  [00:20:31] Sia Senior: Thank you for having me. I appreciate it.

Join DrGandalf and the team from TPP as they share the plans for enabling and using patient prospective record access on SystmOne. Join S1 FBUG22 : https://bit.ly/S1FBUG22TPP Guide (need NHSFutures access): https://future.nhs.uk/connect.ti/NHSX...Redmoor health Digital Journey Planner: https://youtu.be/cpt93xtlY3ERedmoor DJP link: https://digitaljourneyplanner.co.ukExample of safer access: https://tinyurl.com/HTMCEnablingAcces...RCGP patient access guide: https://www.rcgp.org.uk/News/Patient-...NHS Digital guides: https://digital.nhs.uk/services/nhs-a...00:00 Intro01:52 The focus02:38 Prospective record access05:00 Functionality guide07:30 Discussing the new funcJoin us at the TPP S1 FBUG 2022 conferenceRegister: https:bit.ly/S1FBUG22 Join the Medics Money New To GP partnership course for the leaders in finance, wellbeing, workload management, and your peers on the same journey to become a safe, effective, healthy GP partner. Join at medicsmoney.co.uk/gpcourse and reference eGPlearning

Rob is Co-Founder and Chief Evangelist at Finalsite, and has presents globally on effective use of strategic web communications for independent schools. Rob brings 25 years of experience working with the internet in the education arena. His experiences have included working with over 2000+ Educational Institutions across the globe ranging from the smallest independent schools to the largest universities to help maximize the potential of the web for their institutions all while raising his four children with his wife and three dogs in Northwest Connecticut.

Une annonce porteuse de si grands bouleversements mérite son analyse et nous donne l'occasion de se repencher sur l'ascension folle de Figma...

Videos : New Rule: Let the Population Collapse | Real Time with Bill Maher (HBO) – 8:29 The De-Population Bomb – hoover institution (0:43 – 8:15) THE GREAT AWAKENING: PLANDEMIC 3 PRELAUNCH PARTY – (21:00 – 30:20) Gary Null Speaking Out at the NYS Assembly Hearing  (25:00)   Meta-analysis finds less fatigue with CoQ10 supplementation National Yang Ming Chiao Tung University (Taiwan), September 16 2022. The results of a systematic review and meta-analysis of clinical trials, published in Frontiers in Pharmacology, support an anti-fatigue effect among individuals who supplemented with coenzyme Q10. “Coenzyme Q10 (CoQ10) is a popular nutritional supplement and a lipid-soluble antioxidant that is endogenously produced by the human body,” authors I-Chen Tsai of National Yang Ming Chiao Tung University and associates observed. “CoQ10 supplementation has been successfully applied for reducing fatigue in patients with various conditions, including chronic fatigue and fibromyalgia, as well as in healthy subjects.” For their analysis, Tsai colleagues identified 13 randomized, controlled trials that compared fatigue scores of participants who received CoQ10 or a placebo. The trials included a total of 1,126 participants. Analysis of the 13 trials showed a consistent significant effect for CoQ10 in reducing fatigue. When trials that included healthy participants were analyzed separately from trials that included patients with fatigue-associated diseases, both supplemented populations showed decreases in fatigue, however the effects were significant among the unhealthy participants, who may have more severe CoQ10 depletion. Higher CoQ10 doses and longer duration of supplementation were correlated with increased fatigue reduction. The anti-fatigue effect of CoQ10 is unsurprising, given its role in energy production. Chronic fatigue syndrome patients have lower plasma levels of CoQ10 in comparison with healthy subjects. While the body makes some CoQ10, the authors remarked that studies have provided evidence that supplementing with CoQ10 does not affect the body's synthesis of the coenzyme. Researchers identify a potential new approach with a dietary supplement to treat HER2 positive breast cancer Mayo Clinic, September 9, 2022 Researchers at Mayo Clinic have identified an important new pathway by which HER2 positive breast cancers grow and have discovered that a dietary supplement called cyclocreatine may block the growth of HER2 positive breast cancer. Their findings were published in Cell Metabolism. “The HER2 receptor tyrosine kinase, which functions as an ‘on' or ‘off' switch in cellular functions, is a key driver of breast cancer, and is overexpressed in about a quarter of all breast cancers,” says Taro Hitosugi, Ph.D., a pharmacologist at Mayo Clinic and corresponding author of the paper. Dr. Hitosugi and his colleagues decided to explore ways to resolve an unmet clinical need. Their strategy was to develop a treatment to target tumor mitochondrial energy metabolism, which is the process cancer cells use to manipulate energy during cell metabolism in order to grow. Dr. Hitosugi and his colleagues discovered that cyclocreatine, a dietary supplement used in sports drinks, effectively targets mitochondrial creatine kinase 1 enzyme and reduces cancer growth without toxicity. This finding was confirmed in mice models where a patient-derived, trastuzumab-resistant HER2 positive tumors were administered to the mice. “Mitochondrial creatine kinase 1 may be a new drug target for the treatment of HER2 positive breast cancer,” says Matthew Goetz, M.D., director of the Mayo Clinic Breast Cancer research program. “Future clinical trials will be necessary to determine the effectiveness of this drug for HER2 positive breast cancer resistant to standard therapies.” Excessive smartphone screen time linked to earlier puberty onset Gazi University (Turkey), September 16, 2022 Exposure to blue light, via regular use of tablets and smartphones, may alter hormone levels and increase the risk of earlier puberty, according to data from a rat study presented at the Annual European Society for Paediatric Endocrinology Meeting. Longer duration of blue light exposure was associated with earlier puberty onset in the female rats, which also showed reduced levels of melatonin, increased levels of some reproductive hormones and physical changes in their ovaries. Use of blue light-emitting mobile devices has previously been linked to disrupted sleeping patterns in children but these findings suggest there could be additional risks for childhood development and future fertility. The escalating use of blue light-emitting devices, such as tablets and smartphones, has previously been implicated in reducing sleep quality in both children and adults. This is thought to be through disruption of our body clock as blue light inhibits the evening rise in levels of the hormone, melatonin, which prepares our bodies for rest and sleep. Melatonin levels are overall higher during pre-puberty than in puberty, which is believed to play a role in delaying the start of puberty. Puberty is a complex process that involves co-ordination of several body systems and hormones. In recent years, several studies have reported increases in early puberty onset for girls, particularly during the COVID-19 pandemic. The link between blue light exposure and reduced melatonin levels suggests that increased screen time, such as during the pandemic restrictions, may be playing a role in this reported increase. However, it is very difficult to assess this in children. In this study, Dr. Aylin Kilinç Uğurlu and colleagues in Ankara, Turkey, used a rat model to investigate the effects of blue light exposure on reproductive hormone levels and the time of puberty onset. Female rats were divided into three groups of six and exposed to either a normal light cycle, 6 hours or 12 hours of blue light. The first signs of puberty occurred significantly earlier in both groups exposed to blue light, and the longer the duration of exposure, the earlier the onset of puberty. Rats exposed to blue light also had reduced melatonin levels and elevated levels of specific reproductive hormones (estradiol and luteinizing hormone), as well as physical changes in their ovarian tissue, all consistent with puberty onset. At the 12-hour exposure, rats also showed some signs of cell damage and inflammation in their ovaries. Dr. Aylin Kilinç Uğurlu comments, “We have found that blue light exposure, sufficient to alter melatonin levels, is also able to alter reproductive hormone levels and cause earlier puberty onset in our rat model. In addition, the longer the exposure, the earlier the onset.” Fitness trackers reveal links among exercise, memory, and mental health Dartmouth College, September 15, 2022 Exercise can improve your cognitive and mental health—but not all forms and intensities of exercise affect the brain equally. The effects of exercise are much more nuanced, as specific intensities of exercise over a long period of time are associated with different aspects of memory and mental health, according to a new Dartmouth study. The findings are published in Scientific Reports and provide insight into how exercise could be optimized. “Mental health and memory are central to nearly everything we do in our everyday lives,” says lead author Jeremy Manning, an assistant professor of psychological and brain sciences at Dartmouth. “Our study is trying to build a foundation for understanding how different intensities of physical exercise affect different aspects of mental and cognitive health.” The researchers asked 113 Fitbit users to perform a series of memory tests, answer some questions about their mental health, and share their fitness data from the previous year. They expected that more active individuals would have better memory performance and mental health, but the results were more nuanced. People who tended to exercise at low intensities performed better at some memory tasks while those who exercised at a high intensities did better on other memory tasks. Participants who were more intensely active also reported higher stress levels, whereas people who regularly exercised at lower intensities showed lower rates of anxiety and depression. Participants who had been more active over the prior year tended to show better memory performance overall, but the specific areas of improvement depended on which types of activity people did. The researchers found that participants who often exercised at moderate intensities tended to perform better on the episodic memory tasks while participants who often exercised at high intensities did better on the spatial memory tasks. Sedentary participants who seldom exercised tended to perform worse on the spatial memory tasks. The researchers also identified connections between participants' mental health and their memory performance. Participants with self-reported anxiety or depression tended to perform better on the spatial and associative memory tasks, while those with self-reported bipolar disorder tended to perform better on the episodic memorytasks. Participants who reported higher levels of stress tended to perform worse on the associative memory tasks. Positive psychological well-being can improve overall heart health Northwestern University, September 10, 2022 Maintaining positive thoughts and feelings through intervention programs can help patients achieve better overall outcomes when it comes to their cardiovascular health, according to a review paper published in the Journal of the American College of Cardiology. “We addressed how social environment, psychological well-being and the effectiveness of intervention strategies can help strengthen a patient's outlook,” said Darwin R. Labarthe, MD, MPH, Ph.D., professor of Preventive Medicine at Northwestern University Feinberg School of Medicine and the review's lead author. “We focused on whether psychological well-being can be consistently related with a reduced risk of heart disease.” In this review, the authors looked at a growing body of research to examine whether psychological well-being might lead to reduced risk of heart disease. Prospective studies have shown a positive relationship between optimism (one facet of psychological well-being) and heart disease, including a study showing older women in the highest quartile of optimism had a 38 percent reduced risk of heart disease mortality. Additional studies since 2012 have associated a perceived higher purpose in life with lower odds of having a stroke. Optimistic patients sustained healthier diets by consuming more fruits and vegetables, and less processed meats and sweets, leading patients to maintain a healthy BMI. The review authors found that psychological well-being influenced heart health through biological processes, health behaviors and psychosocial resources. Having a strong network of social support also gives patients confidence about their future health and helps them act readily on medical advice, engage in problem solving and take active preventive measures. A likely link is that favorable social environment, known to influence heart disease risk, has also been shown to predict psychological well-being. Milk thistle protects against COPD caused by secondhand smoke Sichuan University, (China), September 11, 2022 According to the U.S. Centers for Disease Control and Prevention (CDC), 15.7 million people suffer from chronic obstructive pulmonary disease (COPD) – a serious respiratory condition which can cause scarring of the lungs, narrowing of the airway and extreme difficulty breathing. Taking enough milk thistle – on a regular basis – can help protect you from harm. Exposure to tobacco smoke – whether through actively smoking or simply inhaling the smoke from another's cigarette – is the primary cause of COPD. Although Western medicine currently offers no cure for COPD, recent studies generate a ray of hope. Groundbreaking new research suggests that milk thistle extracts may not only prevent COPD but, help to treat it. In a study published in the journal Inflammation, researchers exposed mice to the equivalent of 1.5 packs of cigarettes a day for four weeks, creating drastic increases in peribronchial inflammation, thickening of airway walls and airway obstruction. The team found that pretreating the mice with silymarin – the active component of milk thistle – an hour before exposure dramatically decreased inflammatory changes, and cut production of pro-inflammatory chemicals such as TNF-alpha and interleukin. Encouragingly, silymarin also helped safeguard levels of superoxide dismutase, an important disease-fighting antioxidant produced in the body. A year later, the same team of researchers took another, closer look at the workings of milk thistle. And what they found was encouraging. In a study of human bronchial cells published in Scientific Report, the team explored the molecular and cellular mechanisms of silymarin – and found once again that the flavonoid attenuated cigarette smoke-induced upregulation of pro-inflammatory chemicals. And, researchers discovered for the first time that silymarin modulated a certain pathway – known as MAPK – that governs inflammation. The takeaway? The team concluded that silymarin might be “an ideal agent for treating inflammatory pulmonary diseases.” In a third study, recently published in Food and Chemical Toxicology, researchers treated mice with silibinin (a constituent of silymarin) one hour before exposure to cigarette smoke. The team found that the silibinin caused the mice to not only experience the sharp reductions in inflammatory changes seen in earlier studies – but discovered that it also suppressed the scarring and fibrosis that are typical of COPD in humans. This means that silibinin may not only help prevent COPD – but, reverse it! Intriguingly, the silibinin directly affected the expression of a certain pro-inflammatory protein – transforming growth factor beta-1 – that is activated and spurred on by exposure to smoke, making it appear that this compound is custom-designed to protect against secondhand smoke. Milk thistle extracts are available in the form of pills, powders, extracts, liposomes and teas. Look for a high-quality preparation that is standardized to contain 70 to 80 percent silymarin.

A handful of spooky vacations got in the way of the AR recording schedule, so we're serving up a double feature! Join Eduardo, Peach3z, and Bailey as they discuss both the fourth and fifth episodes of Marvel Studios' Disney+ comedy, SHE-HULK: ATTORNEY AT LAW. How many television series can they spoil in one podcast episode? Prospective viewers of The Sopranos, This Is Us, Game of Thrones, How I Met Your Mother, and the 2005 WWE Royal Rumble...beware!Assembly Required has a Patreon! Join us at https://www.patreon.com/assemblyrequired for access to our exclusive Discord server and other Patron-exclusive benefits, including monthly bonus episodes!This episode of Assembly Required: An MCU Retrospective is brought to you by Audible. Go to https://www.audibletrial.com/assemblyrequired for a free 30-day trial today!

Researching Prospective Donors by The Fund Raising School

Software itself is constantly being updated, but are some conventional approaches used by tech leaders also in need of an upgrade? David Heinemeier Hansson is the Co-owner & CTO of the software company 37signals, producer of the successful web services Basecamp and HEY. On this episode, David explains the forward-thinking methodologies that his company has successfully implemented, like championing prospective customers rather than current ones, enforcing a short six-week planning cycle, and placing a higher value on intuition over data.Tune in to learn:David describes the “six-week cycle” approach at 37signals (03:30)How did 37signals develop its short-term planning method? (08:30 )The relationship between designers and programmers at 37signals (13:30)David's reliance on intuition over data (29:15)The importance of writing and advice David received from Jeff Bezos (37:50)IT Visionaries is powered by Salesforce Platform and Dreamforce 2022. Catch the news and insights coming out of Dreamforce this year for free on salesforce.com/plus. Content will start rolling on September 20th.Mission.org is a media studio producing content for world-class clients. Learn more at mission.org.

Christopher Hartnick never expected his work as a doctor to intersect with political discussions about abortion and the right of pregnant people to make choices about their own bodies. Yet as a pediatric ear, nose, and throat physician who specializes in treating babies and children who have difficulty breathing, he's had up-close looks at how prospective parents make life-or-death decisions over the course of a pregnancy. This week, Hartnick discusses a risky procedure performed at birth for which parents must choose, at multiple stages, whether to prioritize the mother's life or the child's.

Tous les groupes de cybercriminels russes se sont-ils récemment alignés derrière Poutine ? Quels types de relations existent entre les groupes de hackers et les états dans lesquels ils exercent ? Les Eclaireurs du Numérique font la part entre situations connues et fantasmes. Avec Fabrice Epelboin, Damien Douani et Bertrand Lenotre.

“So asking about logistics and style really help you know whether this is the right situation or if you're just going to be studying with someone who might be fantastic at what they do… but the ‘what they do' is not the right thing for you. And, vice verse. You're not going to be a great student in their studio if you're expecting different things but you haven't communicated about what those expectations are. This is an important time to communicate together clearly and effectively about ‘what are our shared expectations?'” In this Micro Action Monday episode, Megan discusses the types of questions to ask before beginning a relationship with a voice teacher. Do you like these micro action episodes? You'll probably like the 29 Days to Diva series on The Sybaritic Singer too. Check it out here: https://sybariticsinger.com/category/29-days-to-diva/ My gratitude goes out to Juanitos and Scott Holmes for the music featured in this episode. You can help support the creation of these episodes when you join the Sybaritic Camerata on Patreon. Get started at patreon.com/mezzoihnen. Be on the Studio Class Podcast Megan Ihnen is a professional mezzo-soprano, teacher, writer, and arts entrepreneur who is passionate about helping other musicians and creative professionals live their best lives. Studio Class is an outgrowth of her popular #29DaystoDiva series from The Sybaritic Singer. Let your emerging professionals be part of the podcast! Invite Megan to your studio class for a taping of an episode. Your students ask questions and informative, fun conversation ensues.

The four NAC elders discussed most of the Nine Marks of a Healthy Church in this message along with the Church Covenant.

The four NAC elders finished discussing the Nine Marks of a Healthy Church and walked through some of the distinctive that they teach.

This is it! It is college application time and there is so much information. But we are here to help you to understand all the overall steps, tips and suggestions how to move forward on your college applications. Questions are addressed, next steps are given and let's begin the college admissions game TOGETHER!

Season 2 of Psyche Magic is here!! Our first guest is Robert DeSalvo, LCSW - Psychotherapist and co-founder of the Nashville Psychedelic Center. Together we discuss the future of psychedelic medicine as part of the landscape of evidence-based Psychotherapy, and how these medicines help to connect us to the unconscious and integrate the material we find there. Robert shares a dream that echoes his commitment to this aspect of the field, and we share some personal stories of how these medicines have helped each of us in our own journeys. I also announce our Patreon(!!) and share a song I co-wrote with Biz Colletti (who some of you may remember from Episode 3!) Enjoy! Psyche Magic Patreon, Website, Socials and more! Follow Robert's work here! Select research studies: Ketamine Assisted Psychotherapy (KAP): Patient Demographics, Clinical Data and Outcomes in Three Large Practices Administering Ketamine with Psychotherapy Long-Term Follow-Up Outcomes of MDMA-Assisted Psychotherapy for Treatment of PTSD: A Longitudinal Pooled Analysis of Six Phase 2 Trials Efficacy and safety of Psilocybin-assisted treatment for major depressive disorder: Prospective 12-month follow-up --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/jordan-hale1/message

A piece of land that was hoping to be used for the new $15-million recreation centre in Glace Bay will have to change after discovering it was sold at a CBRM tax sale in June.

Episode 261: Cheryl Altizer, Account Executive at Promedica Medical Management, joined us to talk about her 2022 NE Ohio Safety Expo presentation titled, Workers' Compensation 101 – Basics from a MCO prospective. Click here for more info on the NE Ohio Safety Expo. For more information about the PCSC, visit PortageCountySafetyCouncil.com today!

In today's VETgirl online veterinary CE podcast, we will be evaluating two methods of pericardiocentesis based off a study by Cook et al entitled Prospective evaluation of pericardial catheter placement versus needle pericardiocentesis in the management of canine pericardial effusion. Pericardial effusion in dogs is a condition we see with some degree of frequency in the ER. The urgency of this condition arises from the buildup of trapped fluid in the small sac surrounding the heart, located between the pericardial lining and the myocardium. Normally this space is so small that you can't really see it on an emergency ultrasound scan without a cardiologist and a diagnostic ultrasound. When enough fluid builds up in the pericardial sac, this space becomes easier to see on emergency ultrasounds. But more importantly, as the fluid accumulates, the pressure in this trapped space compresses the heart chambers, preventing adequate filling of the heart, and results in less blood exiting the heart, and so less blood and oxygen is supplied to our vital organs. This condition is called cardiac tamponade and represents one of the causes of “obstructive shock.” Clinical signs that may clue us in to the presence of cardiac tamponade include Beck's triad of: 1) low blood pressure 2) muffled heart sounds 3) and jugular venous distention, and often the patient is also tachycardic which is the body's compensatory response to the lower cardiac filling volumes.

Melissa Giles, Director of Portfolio Management with Americana Partners presents the Monthly Market Commentary as written by, David M Darst, Chief Investment Officer with Americana Partners.  Any charts/graphs referenced are available in print format and may be provided at your request. David is currently the Chief Investment Officer for Americana Partners. David served for 17 years as a Managing Director and Chief Investment Strategist of Morgan Stanley Wealth Management, with responsibility for Asset Allocation and Investment Strategy; was the founding President of the Morgan Stanley Investment Group; and was founding Chairman of the Morgan Stanley Wealth Management Asset Allocation Committee. After 2014, he served for several years as Senior Advisor to and a member of the Morgan Stanley Wealth Management Global Investment Committee. He joined Morgan Stanley in 1996 from Goldman Sachs, where he held Senior Management posts within the Equities Division and earlier, for six years as Resident Manager of their Private Bank in Zurich. David is the Author of twelve books: (i) The Complete Bond Book (McGraw-Hill); (ii) The Handbook of the Bond and Money Markets (McGraw-Hill); (iii) The Art of Asset Allocation, Second Edition (McGraw-Hill); (iv) Mastering the Art of Asset Allocation (McGraw-Hill); (v) Benjamin Graham on Investing (McGraw-Hill); (vi) The Little Book that Saves Your Assets (John Wiley & Sons), which was ranked on the bestseller lists of The New York Times and Business Week; (vii) Portfolio Investment Opportunities in China (John Wiley & Sons); and (x) Portfolio Investment Opportunities in Precious Metals (John Wiley & Sons). His works have been translated into Chinese, Japanese, Russian, German, Korean, Italian, Indonesian, Norwegian, Romanian, and Vietnamese. Seapoint Books published David's eleventh book in 2012 , Voyager 3, containing his creative writing, and in 2016, his twelfth book, Flim-Flam Flora, a children's book coauthored with his daughter. David appears as a frequent guest on CNBC, Bloomberg, FOX, PBS, and other television channels, and has contributed numerous articles to Barron's Euromoney, The Money Manager, Forbes.com, The Yale Economic Review, and other publications. He has broadcast and written extensively on asset allocation in the Morgan Stanley biweekly Investment Strategy and Asset Allocation Commentary and in the Firm's Wealth Management monthly publication, Asset Allocation and Investment Strategy Digest, the predecessors of which he launched in 1997. David attended Father Ryan High School in Nashville, Tennessee, graduated from Phillips Exeter Academy, was awarded a BA degree in Economics from Yale University, and earned his MBA from Harvard Business School. David serves on the Investment Committee of the Phi Beta Kappa Foundation and the Advisory Boards of the George Washington Institute for Religious Freedom and the Black Rock Arts Foundation. David has lectured extensively at Wharton, Columbia, INSEAD, and New York University Business Schools, and for nine years, David served as a visiting faculty member at Yale College, Yale School of Management, and Harvard Business School. In November 2011, David was inducted by Quinnipiac University in their Business Leaders Hall of Fame. David is a CFA Charterholder and a member of the New York Society of Security Analysts and the CFA Institute. Join Our Distribution List – For a full copy of our report. Americana Partners - https://www.americanapartners.com/contact/ Americana Partners Website - https://www.americanapartners.com/ Linked In - https://www.linkedin.com/company/americana-partners/ Spotify - https://open.spotify.com/show/3rX19ND89pwEob9efsFNNF iTunes - https://podcasts.apple.com/us/podcast/americana-partners/id1496186853 Google Podcasts - https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZXJpY2FuYXBhcnRuZXJzL2ZlZWQueG1s?sa=X&ved=0CAYQrrcFahcKEwj4gZrR_OnwAhUAAAAAHQAAAAAQAg   Disclosures Americana Partners, LLC is registered as an investment adviser with the SEC. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Americana Partners' current written disclosure brochure filed with the SEC which discusses among other things, Americana Partners' business practices, services and fees, is available through the SEC's website at: www.adviserinfo.sec.gov. The tax and legal information contained in this newsletter is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Foreign securities, foreign currencies, and securities issued by U.S. entities with substantial foreign operations can involve additional risks relating to political, economic, or regulatory conditions in foreign countries. These risks include fluctuations in foreign currencies; withholding or other taxes; trading, settlement, custodial, and other operational risks; and less stringent investor protection and disclosure standards in some foreign markets. All of these factors can make foreign investments, especially those in emerging markets, more volatile and potentially less liquid than U.S. investments. In addition, foreign markets can perform differently from the U.S. market. Investing involves certain risks, including possible loss of principal. You should understand and carefully consider a strategy's objectives, risks, fees, expenses and other information before investing. The views expressed in this commentary are subject to change and are not intended to be a recommendation or investment advice. Such views do not take into account the individual financial circumstances or objectives of any investor that receives them. The strategies described herein may not be suitable for all investors. There is no guarantee that the adviser will meet any of its investment objectives. All indices are unmanaged and are not available for direct investment. Indices do not incur costs including the payment of transaction costs, fees and other expenses. This information should not be considered a solicitation or an offer to provide any service in any jurisdiction where it would be unlawful to do so under the laws of that jurisdiction. Past performance is no guarantee of future results. It is not possible to invest directly in an index. Exposure to an asset class represented by an index is available through investable instruments based on that index. The S&P 500® Index is a widely recognized, unmanaged index of 500 common stocks which are generally representative of the U.S. stock market as a whole. The Nasdaq Composite® Index is the market capitalization-weighted index of over 2,500 common equities listed on the Nasdaq stock exchange. The types of securities in the index include American depositary receipts, common stocks, real estate investment trusts (REITs) and tracking stocks, as well as limited partnership interests. The EAFE® Index is a stock index offered by MSCI that covers non-U.S. and Canadian equity markets. It serves as a performance benchmark for the major international equity markets as represented by 21 major MSCI indices from Europe, Australasia, and the Middle East. The EAFE® Index is the oldest international stock index and is commonly called the MSCI EAFE Index. The Russell 2500® is a market-cap-weighted index that includes the smallest 2,500 companies covered in the broad-based Russell 3000 sphere of United States-based listed equities. All 2,500 of the companies included in the Index cover the small- and mid-cap market capitalizations. The Russell 1000® Growth Index is an unmanaged index that measures the performance of the large-cap growth segment of the U.S. equity universe. It includes those Russell 1000® Index companies with higher price-to-book ratios and higher forecasted growth values. The CBOE Volatility Index (VIX) is a measure of expected price fluctuations in the S&P 500 Index options over the next 30 days. The VIX is calculated in real time by the Chicago Board Options Exchange (CBOE). P/E or Price to Earnings ratio is indicates the dollar amount an investor can expect to invest in a company in order to receive one dollar of that company's earnings. The Consumer Confidence Survey® reflects prevailing business conditions and likely developments for the months ahead. The Manufacturing Business Outlook Survey is a monthly survey of manufacturers in the Third Federal Reserve District; Participants indicate the direction of change in overall business activity and in the various measures of activity at their plants: employment, working hours, new and unfilled orders, shipments, inventories, delivery times, prices paid, and prices received. The ISM manufacturing index, also known as the purchasing managers' index (PMI), is a monthly indicator of U.S. economic activity based on a survey of purchasing managers at more than 300 manufacturing firms. The Composite Index of Leading Indicators, otherwise known as the Leading Economic Index (LEI), is an index published monthly by The Conference Board. It is used to predict the direction of global economic movements in future months. A bond rating is a letter-based credit scoring scheme used to judge the quality and creditworthiness of a bond. The option adjusted spread (OAS) measures the difference in yield between a bond with an embedded option, such as an MBS or callables, with the yield on Treasuries. Mean reversion, in finance, suggests that various phenomena of interest such as asset prices and volatility of returns eventually revert to their long-term average levels. A meme stock is a security that has seen an increase in trading volume after going viral on social media or an online forum. This document may contain forward-looking statements relating to the objectives, opportunities, and the future performance of the U.S. market generally. Forward looking statements may be identified by the use of such words as; “believe,” “expect,”“anticipate,”“should,”“planned,”“estimated,”“potential”and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of any particular investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting a portfolio' operations that could cause actual results to differ materially from projected results. Such statements are forward-looking in nature and involve a number of known and unknown risks, uncertainties and other factors, and accordingly, actual results may differ materially from those reflected or contemplated in such forward-looking statements. Prospective investors are cautioned not to place undue reliance on any forward looking statements or examples. This material is proprietary and may not be reproduced, transferred, modified or distributed in any form without prior written permission from Americana Partners. Americana Partners reserves the right, at any time and without notice, to amend, or cease publication of the information contained herein. Certain of the information contained herein has been obtained from third-party sources and has not been independently verified. It is made available on an "as is" basis without warranty. Any strategies or investment programs described in this presentation are provided for educational purposes only and are not necessarily indicative of securities offered for sale or private placement offerings available to any investor. The mention of any individual security should not be construed as a recommendation to buy or sell that security.

How do you turn prospective clients into paying clients?Let's talk about the magic question you should always ask a prospective client on an initial discovery call. This question will tell you everything you need to know about whether they will become a paying client or not. In this episode you'll learn how to structure your discovery call, what to charge for it, what to include, and so much more. You'll be bringing in new paying clients in no time. I know it can be disheartening when you hop on a call and the first question your prospective client asks is “what's your hourly rate?” but don't be discouraged! I'm also teaching you how to redirect the conversation to get them talking about their project and learning about you before you start talking money. Tune in to find out what the magic question is and why it's so effective. I would love to connect on Facebook: facebook.com/InteriorDesignBusinessAcademy or Instagram: instagram.com/interiordesignbusinessacademy!Show notes are available at https://interiordesignbusinessacademy.com.

Pour leur numéro de rentrée, les Eclaireurs du Numérique invitent Emmanuel Parody, Analyste Media, Associé du Groupe Mind et Secrétaire Général du Geste, qui s'interroge sur la consistance du concept de Web3. Avec Bertrand Lenotre, Damien Douani et Fabrice Epelboin. La vidéo d'explication du Metaverse évoquée dans ce podcast : https://www.youtube.com/watch?v=4S-4mTvK4cI

Schumacher et al highlight how clinical competency/entrustment committee members place considerable value on trainees knowing their limits and seeking help when making decisions about entrusting trainees in the future. Read the accompanying article to this podcast: https://onlinelibrary.wiley.com/doi/full/10.1111/medu.14797

    Today we welcome Matt Hudson, founder and CEO of Bildit (pronounced Build It), to the podcast.  Bildit has created a “rapid mobile app development platform for ecommerce brands”.  It's a concept Matt has had for quite some time and it's really excited to see him bring it to life. After spending years helping Belk build their mobile app and experience for their shoppers, Matt became acutely aware of the issues companies face when they are trying to deliver content and a shopping experience.  So as any good entrepreneur would do, he left Belk to create the business that could solve the problem for so many other ecommerce companies.  And he's built a team around him that is ready to pounce on the opportunity ahead of them.  They've got a team of 12 at the moment and with their current capital raise they are going to staff up as they start their growth phase. We had a fun time with our interview as we discussed a number of topics.  One area where I thought there was tremendous value for listeners is where we dove into how they created service revenue last year as they continued to build out there technology and how they are pivoting away from that now that the technology is ready to release.  Matt has a business degree from the University of Arkansas and he saw the team was capable of creating revenue last year rather than having to burn through cash and he jumped right into it.  Some investors will question the service revenue but creating cash early on is a great concept for entrepreneurs – especially in today's environment. It's a great podcast with Matt and I think you'll enjoy listening to how they are building the company.  Matt has been a huge benefit to the startup community as a mentor and friend.  He will have plenty of people in his corner pulling for Bildit as they grow and scale.     William Bissett is the owner of and an Investment Advisor Representative of Portus Wealth Advisors, a Registered Investment Adviser. Registration does not imply a certain level of skill or training. Opinions expressed on this program do not necessarily reflect those of Portus Wealth Advisors. The topics discussed and opinions given are not intended to address the specific needs of any listener.   Portus Wealth Advisors does not offer legal or tax advice, listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.  Investments described herein may be speculative and may involve a substantial risk of loss. Interests may be offered only to persons who qualify as accredited investors under applicable state and federal regulation or an eligible employee of the management company. There generally is no public market for the Interests. Prospective investors should particularly note that many factors affect performance, including changes in market conditions and interest rates, and other economic, political or financial developments. Past performance is not, and should not be construed as, indicative of future results.

Welcome to Monday Mentoring on The Today's Leader Podcast.The most important aspect of any effective communication is knowing your audience. This audience will vary, so being flexible in your communication styles is a great skill for any leader to have. In the course of a single day as the leader of a business or department, you might speak to:• Staff• Shareholders• Business partners• Prospective business partners• Vendors• Customers• Children taking a tour of your facilityIt's critical to understand your audience and the best way to communicate.---------------------------------------------------------Video versions of this podcast are available on Youtube at https://www.youtube.com/c/TonyCurl/If you are looking to build better leadership skills, check out The Today's Leader website at todaysleader.com.auWe are driving a leadership revolution and BUILDING TOMORROW'S BEST LEADERS, TODAY!Today's Leader is a collective, The mindset to make a difference and the ability to create an impact. Our Emerging Leaders Masterclass can be found at https://www.tomorrowsbestleaders.com/course/emerging-leaders-roundtable-masterclass#/homeThink & Grow Business Hosts our Today's Leader Masterminds. TAGB where we focus on personal, professional, and business growth. Book your free 30-minute discovery call at https://thinkandgrowbusiness.com.au/book-your-free-discovery-call/You are standing Stronger, Braver, and Wiser. Don't forget the golden rule Don't be an A-HoleWatch our Video Podcasts on Youtube https://www.youtube.com/c/TonyCurl/Follow on Linkedin https://www.linkedin.com/company/the-todays-leader-podcast/Check Out our Top 10 Leadership Podcasts: https://todaysleader.com.au/the-best-leadership-podcasts-for-2021/#purpose #leadership #communication #conversations #clarity #todaysleader #tomorrowsbestleaders #mentoring #mondaymentoring #development #developmentplan #highpotentiall #techready #careerskills #management #people #process #crisisleadership #simplebusiness #productivity #legacy #resilience #personalgrowth #leadershipgrowth #business #recruitment

Many of us have gone through very difficult times e.g. the loss of a loved one, the loss of a job, a debilitating disease, a physical challenge, a divorce, and many more. In this passage, I believe Solomon is give us valuable insights that when we view life from above (God's Prospective), we are able to gain godly wisdom even through adversity. If we choose to go through adversity without God, we always will only be able to face with the wisdom of the world (worldly wisdom under the sun). This will result in frustration and leave us open to the solutions that worldly wisdom provide which will always end badly.

In this week's episode I got to chat with Salma (@salmaslibrary_) who I got to meet in person a few weeks ago and is TRULY just as sweet IRL as she is on your FYP. We chatted about our love for all things dark romance (and how on earth that could mix with SPORTS romance ::GASP::), using spice as a crash course education for a future spouse, and whether Sean Bell is a blond (SPOILER ALERT HE IS BLOND IT'S A THING). We also talk about why every book should be able to be described with a knife emoji, keeping our standards high AF, and how Disney movies unintentionally (or intentionally?) cultivated our love for the villain. Crack My Spine: Twisted by Emily McIntire: https://amzn.to/3wxAuYU Unbroken Bonds by J Bree: https://amzn.to/3e34Zji Under the Covers: Hoops Series by Kennedy Ryan: https://amzn.to/3pKnQ5j Other Links: Salma's Instagram: https://www.instagram.com/salmaslibrary_/ Salma's TikTok: https://tiktok.com/@salmaslibrary Follow Under the Covers' Instagram: https://www.instagram.com/underthecoverspod/ --- Send in a voice message: https://anchor.fm/underthecoverspodcast/message

Melissa Giles, Director of Portfolio Management with Americana Partners presents the Monthly Market Commentary as written by, David M Darst, Chief Investment Officer with Americana Partners.  Any charts/graphs referenced are available in print format and may be provided at your request. David is currently the Chief Investment Officer for Americana Partners. David served for 17 years as a Managing Director and Chief Investment Strategist of Morgan Stanley Wealth Management, with responsibility for Asset Allocation and Investment Strategy; was the founding President of the Morgan Stanley Investment Group; and was founding Chairman of the Morgan Stanley Wealth Management Asset Allocation Committee. After 2014, he served for several years as Senior Advisor to and a member of the Morgan Stanley Wealth Management Global Investment Committee. He joined Morgan Stanley in 1996 from Goldman Sachs, where he held Senior Management posts within the Equities Division and earlier, for six years as Resident Manager of their Private Bank in Zurich. David is the Author of twelve books: (i) The Complete Bond Book (McGraw-Hill); (ii) The Handbook of the Bond and Money Markets (McGraw-Hill); (iii) The Art of Asset Allocation, Second Edition (McGraw-Hill); (iv) Mastering the Art of Asset Allocation (McGraw-Hill); (v) Benjamin Graham on Investing (McGraw-Hill); (vi) The Little Book that Saves Your Assets (John Wiley & Sons), which was ranked on the bestseller lists of The New York Times and Business Week; (vii) Portfolio Investment Opportunities in China (John Wiley & Sons); and (x) Portfolio Investment Opportunities in Precious Metals (John Wiley & Sons). His works have been translated into Chinese, Japanese, Russian, German, Korean, Italian, Indonesian, Norwegian, Romanian, and Vietnamese. Seapoint Books published David's eleventh book in 2012 , Voyager 3, containing his creative writing, and in 2016, his twelfth book, Flim-Flam Flora, a children's book coauthored with his daughter. David appears as a frequent guest on CNBC, Bloomberg, FOX, PBS, and other television channels, and has contributed numerous articles to Barron's Euromoney, The Money Manager, Forbes.com, The Yale Economic Review, and other publications. He has broadcast and written extensively on asset allocation in the Morgan Stanley biweekly Investment Strategy and Asset Allocation Commentary and in the Firm's Wealth Management monthly publication, Asset Allocation and Investment Strategy Digest, the predecessors of which he launched in 1997. David attended Father Ryan High School in Nashville, Tennessee, graduated from Phillips Exeter Academy, was awarded a BA degree in Economics from Yale University, and earned his MBA from Harvard Business School. David serves on the Investment Committee of the Phi Beta Kappa Foundation and the Advisory Boards of the George Washington Institute for Religious Freedom and the Black Rock Arts Foundation. David has lectured extensively at Wharton, Columbia, INSEAD, and New York University Business Schools, and for nine years, David served as a visiting faculty member at Yale College, Yale School of Management, and Harvard Business School. In November 2011, David was inducted by Quinnipiac University in their Business Leaders Hall of Fame. David is a CFA Charterholder and a member of the New York Society of Security Analysts and the CFA Institute. Join Our Distribution List – For a full copy of our report. Americana Partners - https://www.americanapartners.com/contact/ Americana Partners Website - https://www.americanapartners.com/ Linked In - https://www.linkedin.com/company/americana-partners/ Spotify - https://open.spotify.com/show/3rX19ND89pwEob9efsFNNF iTunes - https://podcasts.apple.com/us/podcast/americana-partners/id1496186853 Google Podcasts - https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkLnBvZGJlYW4uY29tL2FtZXJpY2FuYXBhcnRuZXJzL2ZlZWQueG1s?sa=X&ved=0CAYQrrcFahcKEwj4gZrR_OnwAhUAAAAAHQAAAAAQAg   Disclosures Americana Partners, LLC is registered as an investment adviser with the SEC. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability. A copy of Americana Partners' current written disclosure brochure filed with the SEC which discusses among other things, Americana Partners' business practices, services and fees, is available through the SEC's website at: www.adviserinfo.sec.gov. The tax and legal information contained in this newsletter is general in nature. It should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Foreign securities, foreign currencies, and securities issued by U.S. entities with substantial foreign operations can involve additional risks relating to political, economic, or regulatory conditions in foreign countries. These risks include fluctuations in foreign currencies; withholding or other taxes; trading, settlement, custodial, and other operational risks; and less stringent investor protection and disclosure standards in some foreign markets. All of these factors can make foreign investments, especially those in emerging markets, more volatile and potentially less liquid than U.S. investments. In addition, foreign markets can perform differently from the U.S. market. Investing involves certain risks, including possible loss of principal. You should understand and carefully consider a strategy's objectives, risks, fees, expenses and other information before investing. The views expressed in this commentary are subject to change and are not intended to be a recommendation or investment advice. Such views do not take into account the individual financial circumstances or objectives of any investor that receives them. The strategies described herein may not be suitable for all investors. There is no guarantee that the adviser will meet any of its investment objectives. All indices are unmanaged and are not available for direct investment. Indices do not incur costs including the payment of transaction costs, fees and other expenses. This information should not be considered a solicitation or an offer to provide any service in any jurisdiction where it would be unlawful to do so under the laws of that jurisdiction. Past performance is no guarantee of future results. It is not possible to invest directly in an index. Exposure to an asset class represented by an index is available through investable instruments based on that index. The S&P 500® Index is a widely recognized, unmanaged index of 500 common stocks which are generally representative of the U.S. stock market as a whole. The Nasdaq Composite® Index is the market capitalization-weighted index of over 2,500 common equities listed on the Nasdaq stock exchange. The types of securities in the index include American depositary receipts, common stocks, real estate investment trusts (REITs) and tracking stocks, as well as limited partnership interests. The EAFE® Index is a stock index offered by MSCI that covers non-U.S. and Canadian equity markets. It serves as a performance benchmark for the major international equity markets as represented by 21 major MSCI indices from Europe, Australasia, and the Middle East. The EAFE® Index is the oldest international stock index and is commonly called the MSCI EAFE Index. The Russell 2500® is a market-cap-weighted index that includes the smallest 2,500 companies covered in the broad-based Russell 3000 sphere of United States-based listed equities. All 2,500 of the companies included in the Index cover the small- and mid-cap market capitalizations. The Russell 1000® Growth Index is an unmanaged index that measures the performance of the large-cap growth segment of the U.S. equity universe. It includes those Russell 1000® Index companies with higher price-to-book ratios and higher forecasted growth values. The CBOE Volatility Index (VIX) is a measure of expected price fluctuations in the S&P 500 Index options over the next 30 days. The VIX is calculated in real time by the Chicago Board Options Exchange (CBOE). P/E or Price to Earnings ratio is indicates the dollar amount an investor can expect to invest in a company in order to receive one dollar of that company's earnings. The Consumer Confidence Survey® reflects prevailing business conditions and likely developments for the months ahead. The Manufacturing Business Outlook Survey is a monthly survey of manufacturers in the Third Federal Reserve District; Participants indicate the direction of change in overall business activity and in the various measures of activity at their plants: employment, working hours, new and unfilled orders, shipments, inventories, delivery times, prices paid, and prices received. The ISM manufacturing index, also known as the purchasing managers' index (PMI), is a monthly indicator of U.S. economic activity based on a survey of purchasing managers at more than 300 manufacturing firms. The Composite Index of Leading Indicators, otherwise known as the Leading Economic Index (LEI), is an index published monthly by The Conference Board. It is used to predict the direction of global economic movements in future months. A bond rating is a letter-based credit scoring scheme used to judge the quality and creditworthiness of a bond. The option adjusted spread (OAS) measures the difference in yield between a bond with an embedded option, such as an MBS or callables, with the yield on Treasuries. Mean reversion, in finance, suggests that various phenomena of interest such as asset prices and volatility of returns eventually revert to their long-term average levels. A meme stock is a security that has seen an increase in trading volume after going viral on social media or an online forum. This document may contain forward-looking statements relating to the objectives, opportunities, and the future performance of the U.S. market generally. Forward looking statements may be identified by the use of such words as; “believe,” “expect,”“anticipate,”“should,”“planned,”“estimated,”“potential”and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of any particular investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting a portfolio' operations that could cause actual results to differ materially from projected results. Such statements are forward-looking in nature and involve a number of known and unknown risks, uncertainties and other factors, and accordingly, actual results may differ materially from those reflected or contemplated in such forward-looking statements. Prospective investors are cautioned not to place undue reliance on any forward looking statements or examples. This material is proprietary and may not be reproduced, transferred, modified or distributed in any form without prior written permission from Americana Partners. Americana Partners reserves the right, at any time and without notice, to amend, or cease publication of the information contained herein. Certain of the information contained herein has been obtained from third-party sources and has not been independently verified. It is made available on an "as is" basis without warranty. Any strategies or investment programs described in this presentation are provided for educational purposes only and are not necessarily indicative of securities offered for sale or private placement offerings available to any investor. The mention of any individual security should not be construed as a recommendation to buy or sell that security.

As a doctor or surgeon, you're in a tough position when it comes to promoting and selling your services since they appear "invisible" to your patients.  Prospective patients can't “see, touch, feel” your product so that makes it difficult for them to decipher the quality of work they are paying for.  That's a big reason it's so difficult for them to decide on you versus your competitors. There's nothing tangible for them to compare and thus, you're selling the invisible to them.  The truth is that patients choose you for so much more than just your medical degrees.  So, what are they basing their decisions on?   In this podcast, I'm discussing the 4 Key Ps To Promote Your Medical Services, on how to sell the invisible, non-tangible services that you offer.   Thank you for checking it out!

On Magic Johnson's basketball ventures after his abrupt retirement from the NBA in November of 1991, when he tested positive for HIV. Failed and successful comeback attempts, dealing with tabloid rumors, becoming a media member, trying to become a team owner, a test run as head coach-- this guy did it all. I didn't even include his time as the president of basketball operations for the Lakers or his feud with President George H.W. Bush. What a life this guy has lived. Also, forgive any weird mic stuff, my computer was acting up during recording. --- An NBA history podcast about bad teams, bad luck, and bad decisions. Hosted by Lew @L0GICMASTER Please follow the show on Twitter, Instagram, and TikTok @backfiredNBApod Stats from Basketball Reference and NBA.com. Transaction info from prosportstransactions.com and Basketball Reference. Intro music: “How To Save A Life” by The Fray performed by Pau Gasol. Outro music: “Wonderwall” by Oasis performed by The Mike Flowers Pops. 1992 All-Star Game final 3 minutes: https://www.youtube.com/watch?v=Lr1alYEIZ4c Sources: Bill Simmons's “Book of Basketball”, Jeff Pearlman's “Three-Ring Circus”, LA Times, LA Weekly, New York Times, San Pedro News-Pilot, Toronto Financial Post, Washington Post

According to the Wall Street Journal, housing affordability in the United States is at its lowest level since 1989. Prospective buyers are stuck on the sidelines, worrying about whether to pull the trigger or continue waiting on the sidelines. For many, the American Dream of home ownership has turned into the American Nightmare. Dave Rich is a real estate expert, who shares his perspective and tips on his blog Coinsnculture. He shares why he is still optimistic about real estate long-term, and strategies for saving up for a down payment.

The in-person experience of car buying has always been alluring, letting you inhale the new car scent, examine the shiny power under the hood, literally kick the tires, ask questions of a human salesperson, and feel the road in a test drive. Now online car sales are offering a new experience: click it, order it, pick it up, keep-or-return it – and the automotive industry mostly isn't ready. The Buzz 1: Nearly 30% of U.S. new car sales in 2020 were completed online, compared to 2% of vehicles pre-pandemic. The overall car shopping experience took less time and was more efficient…the number of dealerships visited dropped. [abcnews ] The Buzz 2: 53% of car buyers would consider buying a car online. [Accenture report in Readers Digest Mar. 16, 2022] The Buzz 3: Prospective buyers, especially age 55–70, are less inclined to want to interact with sellers at car dealerships. [mckinsey] The Buzz 4: Swedish electric performance car brand Polestar, 50% owned by Volvo, is focusing on a digital-first retail model, with company-owned stores in city centers selling directly to consumers. Volvo's electric C40 Recharge compact SUV will only be available online. Online car retailer Carvana sold 244,111 cars in 2020, a 37% jump from 2019. We'll ask Daniel Grimm at SAP, Guenter Lasser at proaxia, Christos Maglousidis at OneDealer and Moncombu Raju at SAP for their take on The Future of Automotive Retail and Tech: How Will YOU Buy A Car Tomorrow?