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As BRICS leaders—representing Brazil, Russia, India, China, and South Africa—gather in Russia, discussions around a gold-backed currency reset have gained traction. This move could signal a shift away from the dominance of the US dollar in global trade, potentially reshaping the global financial system. BRICS nations have long advocated for a more multipolar financial landscape, with less reliance on the dollar. A gold-backed currency could provide a stable alternative, reducing currency volatility and inflation risks. For countries like Russia and China, which hold significant gold reserves, this could increase their financial influence. Watch video version - https://youtu.be/gdWMFep1DCM What Would a BRICS Gold-Backed Currency Mean? 1. Currency Stability: Pegging currency value to gold can reduce inflation and provide stability, especially in volatile markets. 2. Impact on the US Dollar: A successful gold-backed currency could challenge the US dollar's dominance in global trade, potentially weakening its value. 3. Investment Implications: Investors might see a shift towards gold as a safe-haven asset, with potential impacts on forex markets and commodity prices. As the world watches these developments, individuals and businesses alike must consider the potential impact on savings, investments, and future financial planning. As of 2024, numerous countries have expressed interest in joining the BRICS bloc, with over 40 nations considering membership and 15 formally applying. These include countries from various regions like Kazakhstan, Belarus, Pakistan, Cuba, Palestine, and Turkey, which officially applied in 2024. The growing interest in BRICS stems from its potential to offer an alternative to global organizations typically dominated by Western powers. In the upcoming BRICS Summit in Kazan, Russia, further expansion discussions will take place, with countries like Algeria, Azerbaijan, and Thailand among potential new members. BRICS currently has nine members: Brazil, Russia, India, China, South Africa, and the recent additions—Egypt, Ethiopia, Iran, and the UAE, who joined on January 1, 2024. The bloc is seen as a potential counterbalance to the influence of Western economic powers, particularly in global financial and trade matters. To learn how to manage your finances and stay ahead of global shifts, subscribe to the Charles Kelly Money Tips Podcast on YouTube. What's in Store in 2024? Stock Markets, Property and Gold - Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #UKPropertyMarket #TenantsRights #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #inflation #Fixedratemortgage #PayYourselfFirst #FinancialFreedom #WealthBuilding #MoneyManagement #CharlesKellyMoneyTips #PersonalFinance #InvestingTips #BRICSCurrency #GoldBackedCurrency #GlobalEconomy #FinancialReset #BRICS #CharlesKellyMoneyTips #Podcast #USDollar #Investing #GoldInvestment #CurrencyReset
House Prices Rise Bucking The Trend As Mortgage Costs Ease House prices rose by .7% in January and are down by just .2% compared to this time last year, according to figures from the Nationwide Building Society. Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to book your seat and get regular money updates through my free newsletter. https://bit.ly/3QPp8IH The Bank of England held interest rates this at 5.25% while indicating a possible rate cut this year, subject to getting inflation under control. Watch full video episode - https://youtu.be/NSgjkJeuqYg Why Invest in Gold and Silver Compared to Crypto, Stocks or Property – An in interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. In the ever-evolving landscape of investment opportunities, the age-old appeal of precious metals like gold and silver remains steadfast. Investors are often confronted with a myriad of choices, ranging from the digital allure of cryptocurrencies to the stability of stocks and the tangibility of real estate. In this comparison, we explore why investing in gold and silver continues to be a compelling option compared to the alternatives. Watch YouTube video: https://youtu.be/woBQBtavLUM Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and Gold Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to book your seat and get regular money updates through my free newsletter. https://bit.ly/3QPp8IH
House Prices Rise Bucking The Trend As Mortgage Costs Ease House prices rose by .7% in January and are down by just .2% compared to this time last year, according to figures from the Nationwide Building Society. Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to book your seat and get regular money updates through my free newsletter. https://bit.ly/3QPp8IH The Bank of England held interest rates this at 5.25% while indicating a possible rate cut this year, subject to getting inflation under control. Watch full video episode - https://youtu.be/NSgjkJeuqYg Why Invest in Gold and Silver Compared to Crypto, Stocks or Property – An in interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. In the ever-evolving landscape of investment opportunities, the age-old appeal of precious metals like gold and silver remains steadfast. Investors are often confronted with a myriad of choices, ranging from the digital allure of cryptocurrencies to the stability of stocks and the tangibility of real estate. In this comparison, we explore why investing in gold and silver continues to be a compelling option compared to the alternatives. Watch YouTube video: https://youtu.be/woBQBtavLUM Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and Gold Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to book your seat and get regular money updates through my free newsletter. https://bit.ly/3QPp8IH
Investing is often perceived as a rational and analytical process driven solely by numbers and market trends. However, beneath the surface lies a complex web of emotions that can significantly influence investment decisions. Understanding the psychological aspect of investing is crucial for investors looking to navigate the markets successfully. In this article, we delve into why investing is often based on emotional decisions and how recognizing and managing these emotions can lead to better financial outcomes. Gold and silver have a long-established reputation as effective hedges against inflation. When fiat currencies lose value due to inflationary pressures, the purchasing power of gold and silver tends to rise. This characteristic makes them particularly attractive to investors seeking to protect their wealth from the eroding effects of inflation. While the investment landscape continues to evolve with the emergence of new opportunities such as cryptocurrencies, the enduring appeal of gold and silver remains undeniable. These precious metals offer stability, tangibility, diversification, inherent value, and a time-tested hedge against inflation. Investors looking for a reliable and proven store of value should consider the enduring allure of gold and silver as foundational elements of a well-rounded investment portfolio. For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and Gold Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #interestrates #inflation #oilprices #gold #silver #property #stockmarket #money #financialfreedom #inflation #section24 #Investing #EmotionalIntelligence #FinancialDecisions #CognitiveBiases #MarketPsychology #WealthManagement #warrenbuffett #harrydent #valueinvesting
Investing is often perceived as a rational and analytical process driven solely by numbers and market trends. However, beneath the surface lies a complex web of emotions that can significantly influence investment decisions. Understanding the psychological aspect of investing is crucial for investors looking to navigate the markets successfully. In this article, we delve into why investing is often based on emotional decisions and how recognizing and managing these emotions can lead to better financial outcomes. Gold and silver have a long-established reputation as effective hedges against inflation. When fiat currencies lose value due to inflationary pressures, the purchasing power of gold and silver tends to rise. This characteristic makes them particularly attractive to investors seeking to protect their wealth from the eroding effects of inflation. While the investment landscape continues to evolve with the emergence of new opportunities such as cryptocurrencies, the enduring appeal of gold and silver remains undeniable. These precious metals offer stability, tangibility, diversification, inherent value, and a time-tested hedge against inflation. Investors looking for a reliable and proven store of value should consider the enduring allure of gold and silver as foundational elements of a well-rounded investment portfolio. For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and Gold Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #interestrates #inflation #oilprices #gold #silver #property #stockmarket #money #financialfreedom #inflation #section24 #Investing #EmotionalIntelligence #FinancialDecisions #CognitiveBiases #MarketPsychology #WealthManagement #warrenbuffett #harrydent #valueinvesting
The Israel Gaza ware could have far reaching consequences for western economies and your finances. Watch video on Charles Kelly Money Tips Podcast - https://youtu.be/umoG7t3qGNE In the ever-evolving landscape of investment opportunities, the age-old appeal of precious metals like gold and silver remains steadfast. Investors are often confronted with a myriad of choices, ranging from the digital allure of cryptocurrencies to the stability of stocks and the tangibility of real estate. In this comparison, we explore why investing in gold and silver continues to be a compelling option compared to the alternatives. Watch YouTube video Part 1: https://youtu.be/woBQBtavLUM For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and Gold Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #war #gaza #Israel #interestrates #inflation #oilprices #gold #silver #property #stockmarket #money #financialfreedom #inflation #section24
How Will The War In Gaza Affect You? The Israel Gaza ware could have far reaching consequences for western economies and your finances. Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, register now below to avoid disappointment. https://bit.ly/3QPp8IH Watch video on Charles Kelly Money Tips Podcast - https://youtu.be/umoG7t3qGNE In the ever-evolving landscape of investment opportunities, the age-old appeal of precious metals like gold and silver remains steadfast. Investors are often confronted with a myriad of choices, ranging from the digital allure of cryptocurrencies to the stability of stocks and the tangibility of real estate. In this comparison, we explore why investing in gold and silver continues to be a compelling option compared to the alternatives. Watch YouTube video Part 1: https://youtu.be/woBQBtavLUM While the investment landscape continues to evolve with the emergence of new opportunities such as cryptocurrencies, the enduring appeal of gold and silver remains undeniable. These precious metals offer stability, tangibility, diversification, inherent value, and a time-tested hedge against inflation. Investors looking for a reliable and proven store of value should consider the enduring allure of gold and silver as foundational elements of a well-rounded investment portfolio. For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and Gold Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #war #gaza #Israel #interestrates #inflation #oilprices #gold #silver #property #stockmarket #money #financialfreedom #inflation #section24
Why Invest in Gold and Silver Compared to Crypto, Stocks or Property – An in interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. In the ever-evolving landscape of investment opportunities, the age-old appeal of precious metals like gold and silver remains steadfast. Investors are often confronted with a myriad of choices, ranging from the digital allure of cryptocurrencies to the stability of stocks and the tangibility of real estate. In this comparison, we explore why investing in gold and silver continues to be a compelling option compared to the alternatives.Watch YouTube video: https://youtu.be/woBQBtavLUM Historical Stability:Gold and silver have stood the test of time as reliable stores of value. Throughout history, these precious metals have retained their purchasing power, acting as a hedge against inflation and economic uncertainties. Unlike cryptocurrencies, which can be highly volatile, and stocks, which are subject to market fluctuations, gold and silver have maintained a reputation for stability. Tangibility and Security:One of the key advantages of investing in physical gold and silver is the tangible nature of these assets. Unlike cryptocurrencies, which exist only in the digital realm, and stocks, which represent ownership but lack a physical presence, gold and silver can be held in hand. This tangibility not only provides a sense of security but also ensures that investors have a physical asset they can access irrespective of economic conditions. Diversification:While stocks and real estate have their merits, they can be vulnerable to economic downturns. Gold and silver, on the other hand, often move inversely to other asset classes, providing an effective means of diversification. A well-diversified portfolio that includes precious metals can potentially mitigate risks and enhance overall stability. Inherent Value:Gold and silver derive their value from their intrinsic properties rather than relying on the perceived value assigned by market sentiment, as is often the case with stocks and cryptocurrencies. The industrial uses of silver, for example, contribute to its value beyond its role as a precious metal. This intrinsic value can offer a certain level of reassurance to investors, especially during times of economic uncertainty. Inflation Hedge:Gold and silver have a long-established reputation as effective hedges against inflation. When fiat currencies lose value due to inflationary pressures, the purchasing power of gold and silver tends to rise. This characteristic makes them particularly attractive to investors seeking to protect their wealth from the eroding effects of inflation. While the investment landscape continues to evolve with the emergence of new opportunities such as cryptocurrencies, the enduring appeal of gold and silver remains undeniable. These precious metals offer stability, tangibility, diversification, inherent value, and a time-tested hedge against inflation. Investors looking for a reliable and proven store of value should consider the enduring allure of gold and silver as foundational elements of a well-rounded investment portfolio.For a free gold, investment report, and Discovery Call, click here. https://pure-gold.co/charles-kelly Where to find me:Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and GoldWatch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here (https://pure-gold.co/charles-kelly) 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment.https://bit.ly/3QPp8IH
Buying a house in the UK is not “that difficult”, according to banker Sir Howard Davies, who is paid £763.000 a year by NatWest. His remarks in a BBC interview have caused outrage, especially among the ‘generation rent' who are struggling to save for a deposit while rental prices reach record highs and the cost of living crises continues. This week, the average two-year fixed rate is 5.83%, while a five-year deal was 5.43%, according to Moneyfacts. He Halifax Mortgages say mortgage rates are easing and buyers' confidence could increase in the coming months. They added that house prices rose for the third month in a row to average £287,105 in December, but it forecast a fall this year with buyers perhaps becoming more cautious due to economic uncertainty. Their data shows annual rise of 1.7% in 2003 and 1.1% month-on-month rise in December. Halifax is the UK's biggest mortgage lender, but its own lending figures only take into account buyers with mortgages - about two-thirds of all sales - and do not include those who purchase homes with cash or buy-to-let deals. Figures from the Bank of England published on Thursday showed the number of mortgage approvals rose slightly in November. Many sellers have had their properties o the market for as long as two years and not sold despite dropping the asking price. Earnings and cash saving are falling behind values of assets, such as stocks and shares, gold and silver and property prices rises. Inflation is eating away at your savings and cash. Chinese shadow bank files for $63 billion bankruptcy. Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and Gold Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here. 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Wishing you a prosperous New Year. #money #gold #silver #inflation #natwest #propertyprices #rent #generationrent #investing
Buying a house in the UK is not “that difficult”, according to banker Sir Howard Davies, who is paid £763.000 a year by NatWest. His remarks in a BBC interview have caused outrage, especially among the ‘generation rent' who are struggling to save for a deposit while rental prices reach record highs and the cost of living crises continues. This week, the average two-year fixed rate is 5.83%, while a five-year deal was 5.43%, according to Moneyfacts. He Halifax Mortgages say mortgage rates are easing and buyers' confidence could increase in the coming months. They added that house prices rose for the third month in a row to average £287,105 in December, but it forecast a fall this year with buyers perhaps becoming more cautious due to economic uncertainty. Their data shows annual rise of 1.7% in 2003 and 1.1% month-on-month rise in December. Halifax is the UK's biggest mortgage lender, but its own lending figures only take into account buyers with mortgages - about two-thirds of all sales - and do not include those who purchase homes with cash or buy-to-let deals. Figures from the Bank of England published on Thursday showed the number of mortgage approvals rose slightly in November. Many sellers have had their properties o the market for as long as two years and not sold despite dropping the asking price. Earnings and cash saving are falling behind values of assets, such as stocks and shares, gold and silver and property prices rises. Inflation is eating away at your savings and cash. Chinese shadow bank files for $63 billion bankruptcy. Where to find me: Money Tips website: https://moneytipsdaily.com/ YouTube Channel: https://www.youtube.com/channel/UC2tLUxod264Qy0gPntvx6Eg Money Tips Facebook Community: https://www.facebook.com/groups/No1businessopportunities LinkedIn: www.linkedin.com/in/charles-kelly-ba-cmgr-fcmi-b5300a2 See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA What's in Store in 2024? Stock Markets, Property and Gold Watch full video on Money Tips Podcast YouTube Channel https://youtu.be/difmr0fp5-Q For a free gold, investment report, and Discovery Call, click here. 7 Things To Make 2024 Your Best Year Ever - Watch video version at Charles Kelly Money Tips Podcast: https://youtu.be/8oZ30NHVAr8 Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Wishing you a prosperous New Year. #money #gold #silver #inflation #natwest #propertyprices #rent #generationrent #investing
In this episode of the Travel Not to Escape Podcast, we delve into a question posted by a solo female traveler in the on Facebook. The question addresses what activities you can do at night as a solo female traveler "Q:For those that venture out in the evenings, what do you typically do? I'm not one to sit in a bar or club all night but I don't want to sit alone in a hotel room either. Just looking for general ideas, not city-specific since I haven't yet decided where I'd like to travel - but it will definitely be out of the United States (my home country). TIA for your ideas! " I'd love for you to ask your questions to me and the Travel Not to Escape community. You can join us on Facebook or visit our IG page @travelnottoescape. Share your journey with us, and stay tuned for more transformative discussions in future episodes. --- Send in a voice message: https://podcasters.spotify.com/pod/show/travelnottoescape/message
On this episode I sat down with Cameron Faller, physical therapist and educator to discuss some of the shortcomings of the current approach to evidence-based practice and how a move to process based therapy may be the answer. We went through the following topics: Q 1: To begin with, do you mind if we dive into some of the issues or shortcomings of evidence based practice as we know it? Shortcomings of the current approach to therapy (biomedical model) Focussed on biology Has saved lives Struggles to capture the interplay between biological, social and psychological Reductionist problem solving Mechanistic world view View body like a machine The focus is on fixing isolated parts The idea that we can understand individual trajectories by understanding normal and the deviation from normal. They thought that between subject variability was a good estimate of within subject variability. Falsely homogenized group and situationally decontextualised individual units The Bell Curve of the collective only to decontextualized individuals (which is no one) Normative concepts may not be applicable to specific individuals (as they are non-ergodic) It's a kind of individualism but not related to a real individual Question 2: Issues with the application of the biopsychosocial approach to clinical practice Question 3: What is process-based therapy? What core biopsychosocial processes should be targeted with this client given this goal in this situation, and how can they most efficiently and effectively be changed? Process based therapy approach: What creates the problem for the individual What historical factors may have contributed What are the factors that maintain the problem Create a network of nodes of possible factors [network functional analysis] What strategies can we use to perturbate this complex system? How can we introduce healthy variation or retention?” What treatment kernels do we have available to us to do this in the particular context? We are aiming to perturbate the system to turn it from maladatpive to adaptive. This has to be done in the right context. What is the network in the process that you are targeting? Use data to track progress and to test hypotheses. Adjust as needed. ACT - incorporates functional contextualism - what works (functions) in a given situation or context. Unique to the individual Does this work in this moment? Is this moving us towards the type of life we want to have? To reduce suffering and engage in our values Q: How does it address some of the issues with the current approach to therapy? Q: Does a systems based approach bastardize Evidence-Based Practice? Does it come down more to clinicians appreciating the evidence then being able to skillfully apply it to the person in front of them and their individual context? Q: To help me and any of the listeners understand how it is actually applied, do you have any examples we could run through? Q: Example of a network analysis? Eg thought of keeping back in neutral when bending. Q: What can we do with this information from a network analysis to create positive change of an individual ? Q: For listeners who want to learn more about process based therapy - what can they do / where can they go to learn more? You can find out more about Cameron here: https://www.instagram.com/camfallerdpt/?hl=en You can find out more about the Human Rehabilitation Framework here: https://hrfhome.com/
In this episode of the Used Car Dealer Podcast, Zach interviews Jim Maguire, Experian's senior director of product marketing for automotive. They discuss dealership fraud, ways to prevent it at your store, and Experian's latest report on fraud in the industry. Some of the questions asked include:Q) What's your industry background and why did you join Experian? Q) What was your first car?Q) What are the most common automotive fraud types professionals should be aware of?Q) What challenges do dealers and lenders face regarding auto industry fraud?Q) Why are dealers and lenders more vulnerable to fraud with the growth of digital retail?Q) How can dealers and lenders prevent identity theft?Q) Can you tell us about the 2023 U.S. Identity and Fraud Report by Experian, and key findings?Q) What has been the biggest surprise for you in 2023 at Experian?Q) Which automotive futures excite you the most?Q) For a small to midsize used car dealer, how should they protect their business from fraud?Q) What can we expect from Experian and yourself for the rest of 2023?Listen to our other podcast episodes: https://www.sellyautomotive.com/podcastTranscribe of this podcast - https://blog.sellyautomotive.com/blog/jimmaguire2023Experian's 2023 Fraud Report - https://www.experian.com/blogs/insights/2023/07/experian-2023-identity-and-fraud-report
In previous podcasts, I outlined the usage of discrete logarithms in the form of a=g^x (mod p). Unfortunately, we now need a relatively large prime number to make sure it is now possible to discover x from a, g and p. This slows down the creation of the discrete log value. One method which has been used to replace them in some applications is to use elliptic curve points. Later in this series, I will explain how elliptic curve cryptography actually works, but in this one, we will just look at the fundamentals of the elliptic curve points. So what is a group in elliptic curve cryptography (ECC)? Well with this, we will map one group of points to another with a one-way function, and which should be difficult to reverse or find the method we have used to perform the mapping. As we will find, the basic operation is to either add two points in a group to create another point in the group or to double the point to get another point. With these simple operations, we should be able to perform point multiplication. The method of ECC was created independently by Neal Koblitz and Victor Miller. So, how did I create this mapping? Well, a basic elliptic curve has the form of: y² = x³ + ax + b For y² = x³ + 7 If x=1, we get: y² = 1+7 and where y is the square root of 8, which is 2.82. But, in cryptography, we only deal with integers, so we must modify this with a modular form of: y² = x³ + ax + b (mod p) For example, if a is zero, b is 7, and the prime is 11, we get: y² = x³ + 7 (mod 11) The possible points are (2, 9) (2, 2) (3, 1) (3, 10) (4, 4) (4, 7) (5, 0) (6, 5) (6, 6) (7, 3) (7, 8). e can try it, and where: 9² (mod 11) = 4 and 2³+7 (mod 11) = 4 https://asecuritysite.com/ecc/ecc_pointsv?a0=0&a1=7&a2=11 As we see, not all the points for an x-coordinate value are possible. This then leads to the order, which is the number of valid x-axis points — which is 6 in this case. W Point double and add In ECC, we then add points together (P+Q) or double them 2.P and get a new point. With this, it is difficult to reverse back the addition or doubling and find the original point. For y²=x³+7 (mod 11) The valid points are (2, 9) (2, 2) (3, 1) (3, 10) (4, 4) (4, 7) (5, 0) (6, 5) (6, 6) (7, 3) (7, 8). Now let's take a point of (2,9) and add another point. So this, we get: https://asecuritysite.com/ecc/ecc_points_add3?a0=2&a1=0&a2=7&a3=11 P1=(2,9) P2=(2,9) P1+P2=(5,0) P1=(2,9) P2=(3,1) P1+P2=(4,7) P1=(2,9) P2=(4,4) P1+P2=(3,10) P1=(2,9) P2=(6,5) P1+P2=(4,4) P1=(2,9) P2=(7,3) P1+P2=(3,1) and so we see when we do a point add, we always get another point on the curve, but where it is difficult to reverse back to the points which resulted in this point. Multiplying points So, can we multiply points in an efficient way? Let's say we have G, and want to add it to itself n times. We could represent this as n.G. For this, Peter Montgomery created a method known as the Montgomery Ladder. The basic method is: N ← P Q ← 0 for i from 0 to m do if di = 1 then Q ← point_add(Q, N) N ← point_double(N) return Q For a=100 we have a binary value of 1100100: 1100100, thus we double the point (N=2G). 1100100, thus we double the point (N=4G). 1100100, thus we add the point (Q=4G), and then double the point (N=8G). 1100100, thus we double the point (N=16G). 1100100, thus we double the point (N=32G). 1100100, thus we add the point (Q=4G+32G=36G), and then double the point (N=64G). 1100100, thus we add the point (Q=36G+64G=100G), and then double the point (N=128G). The result is then Q=4G+32G+64G=100G. Overall, the great advantage of this method is that we will always take the same time to compute the answer, no matter the size of the value of n. This is useful, as some cryptographic operations leak information from the time they take to compute the result. The only problem here is that the double point and point adding will have a different amount of time to compute than just the point double, and where Eve could determine if there was a 0 or a 1 in the value of n. https://asecuritysite.com/ecc/ecc_kr2 Public key encryption So how is this used in public key encryption? We first pick a base point (G) on the elliptic curve. For our example, we could pick (2,9). Next, we then pick our private key (sk). Our public key is then pk=sk.G, and where G is added to itself sk times. Our private key is thus a scalar value, and our public key is an elliptic curve point. We use this in terms of digitally signing a message, and where the private key (sk) is used to create a digital signature, and the public key validates it. The most popular methods for this are ECDSA (Elliptic Curve Digital Signature Algorithm and EdDSA (Edward Digital Signature Algorithm). I will explain these more in a future podcast. Conclusions And, so, for our elliptic curve, we don't always have a valid (x,y) point, but for our Weierstrass curve, sif we do, we end up with two y values for every x coordinate. With our points, we conduct two simple operations, a point addition and a point doubling.
Q-- You recently downgraded India to underweight citing rising oil prices. But don't you think Indian equities could be a contrarian bet from a medium-term perspective given all this pessimism? >FIIs have been selling in India >Contrarian strategy works best when valuations are cheap >Indian stocks still very expensive relative to the rest of the region Q—What are your return expectations from equities as an asset class in 2022? What about the Indian stock market? >Turned cautious on global equities; stance cut from ‘overweight' to ‘benchmark' >Russia-Ukraine war, rates, wage pressures are key concerns >2022 will be a weak year for global equities >Tough year ahead for Indian equities Q- Foreign investors have dumped Indian stocks since October 2021 like there is no tomorrow. Is the worst of the selling over, or are they catching their breath before the selling resumes? >FII selling will remain a problem for Indian equities >Still a lot of foreign money in Indian equities >Rich valuations, too, a concern; Indian equities most expensive in Asia >Indian equities are not a bargain buy at the current levels Q- So which regions are a bargain bet right now? >South East Asia tops the favourite list >Indonesia, Singapore, Malaysia, Thailand look good >Overweight on Chinese equities Q- For 2022, will the net exporters of commodities are a safer place to be in? >Good to have a position as a hedge in such markets >Do not over-expose in commodity-related plays Q6- The US Fed rate turned out to be somewhat of a non-event for the equity markets, including India. Are the global markets worrying too much about the global central bank action? >US Fed way ahead of peers >Asian markets to closely watch the US Fed's moves >Bond yields likely to inch up Q- Your view on global growth in the coming quarters? Is India at risk of a downgrade from the rating agencies in the backdrop of a possible worsening of macros as oil pr
India Policy Watch: Countering Wokeism Insights on burning policy issues in India— RSJYou know a term has entered the zeitgeist when it reaches your family WhatsApp group that’s kept alive by aunts and uncles forwarding every dubious message that confirms their biases. So, when I received a message on the group that urged us to celebrate this Diwali with firecrackers to show the ‘wokes’ their place, I realised the word has crossed some kind of a threshold. And then I noticed social media was full of similar assertion of Sanatan Dharma against wokes (and Christians too). Some kind of international conspiracy of the wokes had to be thwarted, our religion and tradition had to be reclaimed and, apparently, lighting a firecracker was the place to start. Another day, another assault on our dharma and another lightening response by us because we are ever vigilant now. And that set me thinking about wokeism. Is it a nihilistic, virtue signaling, leftist movement that imagines victimhood, rejects tradition and reduces everything to identity? Or, is it an easy catch-all pejorative that serves as a convenient fig leaf for bigots of every shade to run down any progressive, liberal idea without engaging with their merit? Are all anti-woke responses the same? Or, is there a right and a wrong cause to protest wokeism? Blooming Of The Conservative MindI thought it will be useful to go back to the original text that questioned ‘openness’ and relativism to search for answers. Allan Bloom’s Closing of the American Mind (1987) was the earliest and remains perhaps the most intellectually stimulating challenge to the dogma of liberalism that had take over the academic and media bastions in America. Bloom, a professor of Philosophy at University of Chicago, wrote the book based on the ‘sample’ of students he taught over a couple of decades starting from the 60s. Bloom took a counterintuitive view to the liberal consensus that keeping an open mind that’s free of prejudice is the way for a society to progress. He countered:“Prejudices, strong prejudices, are visions about the way things are. They are divinations of the order of the whole of things, and hence the road to a knowledge of that whole is by way of erroneous opinions about it. Error is indeed our enemy, but it alone points to the truth and therefore deserves our respectful treatment. The mind that has no prejudices at the outset is empty. It can only have been constituted by a method that is unaware of how difficult it is to recognize that a prejudice is a prejudice.”While woke as a term and cultural phenomenon was still a few decades away, Bloom had anticipated its origin and its pathologies quite accurately. For Bloom, the moral goal of every education system and, therefore, of the society, was to produce a human being who is in accord with its fundamental principle. As he wrote:“Aristocracies want gentlemen, oligarchies men who respect and pursue money, and democracies lovers of equality. Democratic education, whether it admits it or not, wants and needs to produce men and women who have the tastes, knowledge, and character supportive of a democratic regime.”So, what did this mean for the US? For Bloom, the moral imperative of a US citizen was quite clear:“Above all he was to know the rights doctrine; the Constitution, which embodied it; and American history, which presented and celebrated the founding of a nation conceived in liberty and dedicated to the proposition that all men are created equal."“A powerful attachment to the letter and the spirit of the Declaration of Independence gently conveyed, appealing to each man's reason, was the goal of the education of democratic man.”This starting position is important to appreciate when anyone is looking to imitate or transplant anti-woke rhetoric into their societies. If you live in a democracy and value its moral principles, your argument against the liberal project will have to be founded on this truth. The Three MovesFrom this starting position, Bloom makes three key moves in his dissection of where liberalism or wokeism, as we might call it today, loses its way.First, he argues that allegiance to the natural rights of man should supersede all other allegiances or identities. The folksy way of saying this is you should do no favour to your first cousin that you will deny a fellow citizen. In his scepticism of what is called progressive thought, Bloom didn’t hark back to an ancient way of life or a religious code. Instead, he stuck to the first principles of liberty:“This called for something very different from the kinds of attachment required for traditional communities where myth and passion as well as severe discipline, authority, and the extended family produced an instinctive, unqualified, even fanatic patriotism, unlike the reflected, rational, calm, even self-interested loyalty—not so much to the country but to the form of government and its rational principles—required in the United States.”“The palpable difference between these two can easily be found in the changed understanding of what it means to be an American. The old view was that, by recognizing and accepting man's natural rights, men found a fundamental basis of unity and sameness. Class, race, religion, national origin or culture all disappear or become dim when bathed in the light of natural rights, which give men common interests and make them truly brothers. The immigrant had to put behind him the claims of the Old World in favor of a new and easily acquired education. This did not necessarily mean abandoning old daily habits or religions, but it did mean subordinating them to new principles. There was a tendency, if not a necessity, to homogenize nature itself.”So far, so good. The liberals would grudgingly and partially agree to this too. It is the second move of Bloom, both dazzlingly insightful and contentious, that made the book a bestseller and launched a vigorous conservative intellectual movement against what passed as liberalism in the late 20th century. Bloom made a strong case against openness and relativism, two notions dear to the liberal hearts. What’s the basis for deeming these as lofty ideals? The pursuit of being open to every thought and ideology without rigorously questioning it. Or, the belief that every culture and its way of life hold virtues that might be different from ours but are virtues nevertheless. Bloom eviscerated the liberal platform that dominated (and still dominates) the US academic and intellectual environs. On openness, Bloom wrote:“Thus there are two kinds of openness, the openness of indifference —promoted with the twin purposes of humbling our intellectual pride and letting us be whatever we want to be, just as long as we don't want to be knowers—and the openness that invites us to the quest for knowledge and certitude, for which history and the various cultures provide a brilliant array of examples for examination. This second kind of openness encourages the desire that animates and makes interesting every serious student—"I want to know what is good for me, what will make me happy" —while the former stunts that desire.Openness, as currently conceived, is a way of making surrender to whatever is most powerful, or worship of vulgar success, look principled.”Then Bloom laid into cultural relativism:“Men cannot remain content with what is given to them by their culture if they are to be fully human. This is what Plato meant to show by the image of the cave in the Republic and by representing us as prisoners in it. A culture is a cave. He did not suggest going around to other cultures as a solution to the limitations of the cave. Nature should be the standard by which we judge our own lives and the lives of peoples. That is why philosophy, not history or anthropology, is the most important human, science.”And his bold claim that there is reason to believe in superiority of Western culture because it is moored in the natural rights of man and on the primacy of reason.“Cultural relativism succeeds in destroying the West's universal or intellectually imperialistic claims, leaving it to be just another culture. So there is equality in the republic of cultures. Unfortunately the West is defined by its need for justification of its ways or values, by its need for discovery of nature, by its need for philosophy and science. This is its cultural imperative. Deprived of that, it will collapse.”This second move of Bloom is interesting when viewed from an Indian conservative perspective. Let’s consider democracy and its central premise of equality are moral imperatives that are subscribed to by the conservatives. Then when they make a case against woke or liberal ideas, what’s their alternative moral position? That which is rooted in principles of natural rights like it is laid out in our constitution? If it is this, then they have Bloom on their side. Or, is it some principles strewn across multiple ancient texts of the Sanatan Dharma? If it is this, then they will have to prove how these principles will hold good in a modern democracy. Because this was the exact debate on the Hindu Code Bill right after independence. That was an attempt to reconcile the long-running practices of Hinduism to the democratic code we had adapted. It wasn’t easy because, on multiple issues, no reconciliation was possible. The past had to be reformed. I suspect the alternative that most anti-woke voices in India will stand for today will be this harking back to some mythical past where social order was “equal” only in some kind of a twisted way that would justify caste and gender discrimination. This is a subversion of true conservatism as Bloom would point out.The third move of Bloom in his book was how he makes a case for majoritarianism as a virtue. Again, this is interesting from an Indian conservative perspective. For Bloom, liberal democracy was designed in a way where minority interests that are often driven by passion, prejudice or spite cancel each other out for the rational and temperate instincts of the majority to thrive. Pandering to factions and minorities while blaming the majority was antithetical to the democratic project. Here’s Bloom:“Much of the intellectual machinery of twentieth-century American political thought and social science was constructed for the purposes of making an assault on that majority. It treated the founding principles as impediments and tried to overcome the other strand of our political heritage, majoritarianism, in favor of a nation of minorities and groups each following its own beliefs and inclinations. In particular, the intellectual minority expected to enhance its status, presenting itself as the defender and spokesman of all the others.This reversal of the founding intention with respect to minorities is most striking. For the Founders, minorities are in general bad things, mostly identical to factions, selfish groups who have no concern as such for the common good. Unlike older political thinkers, they entertained no hopes of suppressing factions and educating a united or homogeneous citizenry. Instead they constructed an elaborate machinery to contain factions in such a way that they would cancel one another and allow for the pursuit of the common good. The good is still the guiding consideration in their thought, although it is arrived at, less directly than in classical political thought, by tolerating faction. The Founders wished to achieve a national majority concerning the fundamental rights and then prevent that majority from using its power to overturn those fundamental rights. In twentieth-century social science, however, the common good disappears and along with it the negative view of minorities. The very idea of majority—now understood to be selfish interest—is done away with in order to protect the minorities. This breaks the delicate balance between majority and minority in Constitutional thought. In such a perspective, where there is no common good, minorities are no longer problematic, and the protection of them emerges as the central function of government.”This is where Bloom’s words find an echo in the past half a century in India. Read that passage again. The Indian “liberal” fell prey to this cleavage between majority and minority. And they are now buckling under a majoritarian backlash that doesn’t want to restore just the democratic meaning of majority like Bloom would’ve wanted. Rather they want the absolutist kind of majority. This is a problem then in India. Any criticism of wokeism can be used to shove this notion of majority down our collective throats. Any argument against it is considered woke! This then is the closing of the Indian mind. A Framework a Week: No More COP-outs Tools for thinking public policy— Pranay KotasthaneI co-teach a course on Fundamentals of Public Policy. One of the exercises in the course involves developing a policy proposal based on Eugene Bardach’s Eightfold Path to Policy Analysis. One of these eight steps involves coming up with evaluation criteria to compare and judge possible solutions. The four most common criteria, applicable across a wide variety of policy problems, are effectiveness (how well do the proposed solutions solve the stated problem?), efficiency (do the benefits of solutions outweigh their costs), equity (do the proposed solutions account for distributional consequences?), and feasibility (can the administrative and political systems bear the load of implementing the proposed solutions?).Confronting trade-offs across these four criteria is really difficult. No perfect solutions exist. As objective as you can make it appear, it finally comes down to a subjective assessment of deciding the relative importance of these four criteria. Some policy solutions might do well on effectiveness and efficiency but not on equity while many others might be brilliantly equitable and yet ineffective at tackling the policy problem at hand. And now, to this already challenging endeavour has been added another parameter: Emissions Impact.A couple of years ago, I would have argued that given the moral imperative for raising incomes in India, emissions impact shouldn’t be a high voltage concern. I have now updated my Bayesian priors. Whether we like it or not, the emissions reduction commitments made by the Indian PM at COP26 mean that emissions impact will translate into a fifth criterion for evaluating policy options. The weightage to be given for this criterion might well be on the lower side but it must be considered nevertheless. Instead of being a vertical issue with some polluting sectors alone, emissions impact is now a horizontal concern across many unrelated policy sectors.Confronting the trade-offs between raising incomes on one hand and emissions impact on the other will not be easy. There are two wrong directions this evaluation can take. One, analysts may unthinkingly transplant problems and solutions from the West to the Indian context. Ideas such as ‘enforced degrowth’ or Malthusian tirades against the mere existence of people might find more currency. Two, analysts will have to confront the cynical narrative which goes along the lines — “it’s futile to do anything about climate change now; we’re all doomed anyway”. This view can become a self-fulfilling prophecy and inhibit all action on emissions reduction. Policymakers and thinkers need to avoid both these pitfalls and instead think of emissions reduction as another important criterion for evaluating policy options. No more cop-outs.Money Quote: Bertrand Russell on a ‘Kindly’ Philosophy— Pranay KotasthaneIf you curate your YouTube subscriptions well, the recommendation algorithm can be quite rewarding. I realised this, yet again, when my feed threw up this 1952 interview with well-known mathematician and philosopher Bertrand Russell (30 minutes). If you can, go through the entire interview yourself. I’ll talk about just two ideas that I found most intriguing. One, Russell’s reply to interviewer Romney Wheeler’s question on a philosophy that can counter Marx applies quite well to the identitarian politics of the information age. “Q: For those of us who reject Marx, can you offer us a more positive philosophy to help us towards a more hopeful future?A: One of the problems has been that of dogmatically believing in something or the other. And I think all these matters are full of doubt, and the rational man will not be too sure he's right. I think we ought always entertain our opinions with some measure of doubt. I shouldn't wish people dogmatically to believe any philosophy, not even mine, not even mine. No! We should accept our philosophies with a measure of doubt. What I do think is this, if a philosophy is to bring happiness, it should be inspired by kindly feeling. Now, Marx is not inspired by a kindly feeling. Marx pretended that he wanted the happiness of the proletariat, what he really wanted was the unhappiness of the Bourgeois. And it was because of that negative element, because of that hate element, that his philosophy produced disaster. A philosophy which aims to go good must be one inspired by kindly feeling, and not by unkindly feeling (emphasis mine).The lodestar philosophical ideas of today on all sides of politics, unfortunately, appear similar in intent if not content, to the Marxian thought. They are interested more in demeaning and then defeating the ‘other’ than winning them over. Secondly, when you reflect on Russell’s lines, the political genius of Gandhi becomes crystal clear. It was a philosophy that was inspired more by ‘kindly’ feeling than ‘hatred’. For a political philosophy to have this character is rare. The other idea that struck me was Russell’s response to the question: what are the things the world needs to be happier? Russell gives a three-fold answer: a world government, approximate economic equality among different parts of the world, and a stable population. The first part is well-understood given Russell’s views against the first world war and his tireless advocacy of pacifism. What interests me is his answer about population. He expands that since “food produce cannot rise appreciably, there must not be many more people than we have now”. Several towering intellectuals of that age, from Russell to Ambedkar, believed that population was a problem because we will run out of food. Technological advances proved them all wrong on this count. The world population is nearly 7.7 billion today, thrice of what it was in 1950. The rates of increase in population have fallen appreciably in the last thirty years but it was prosperity and not famines that led to this social change. No wonder then that Russell is believed to have said “I Would Never Die for My Beliefs Because I Might Be Wrong”.HomeWorkReading and listening recommendations on public policy matters[Podcast] Know Your Enemy: Unraveling Allan Bloom and Saul Bellow. A deep-dive into Ravelstein, Saul Bellow’s roman à clef about the Straussian political philosopher Allan Bloom, who achieved late-in-life wealth and fame after publishing his controversial best-seller, The Closing of the American Mind.[Report] IEA on Implementing Effective Emissions Trading Systems: Lessons from international experiences.[Podcast] A Puliyabaazi on institutional public policy change in India. Subscribe at publicpolicy.substack.com
For women over 45 strength training is the absolute most important exercise component. It will continue to be until you take your last breath. To make this personal, my mother just experienced a hip fracture and the inevitable hip replacement that happens after. Her recovery won't go as smoothly as it did 15 years ago. Why? loss of muscle she has experienced since. That in itself may have led to the cascade of events that caused the fall. But most definitely a period of time in bedrest is devastating for older adults. Back to you... This post is a reveal and deep dive into results of a quiz intended to assess women over 45 strength training knowledge. Here are the results, and why they're important. In an earlier post update I shared one significant question about bone density. Here are the other nine questions. You're seeing the actual quiz data collected from over 1800 women over 45 strength training quiz. Let's dive in. I'll take this one question at a time. Women Over 45 Strength Training 411 Q: Which is Best for Bone Density? A: Heavy Weight Training At a glance the correct response was selected by almost 35% of women (that's an increase from pre-pandemic responses of 10%). That's good. However, what's alarming is that body weight training was selected by 45% - almost 50% of women believe that push ups, body weight squats, or yoga will improve bone density. The question asked for BEST. This should have been an easy answer by a landslide. To reach adequate stimulus for bone progressing to a weight that encourages inability to do 10 repetitions, meaning fatigue in 10 or fewer is required. Though that isn't possible for every woman across all joints and exercises due to unique conditions or injury history, it is the correct answer. Q: Which repetition range results in the most optimal bone density improvement? A: 10 or fewer repetitions I won't dwell on this question because I gave it away with the previous question. Only 19% knew the right answer. At least responders are warm with 39% answering 10-12 receptions. As you'll learn later there is reason for this confusion when I ask about best for building bulk or muscle size. Q: What's the optimal frequency for menopausal women (women over 45 strength training)? A: Surprisingly, this is 2, and not 3, but it is most definitely not 4. Here's the why: Women in menopause need as much "more" recovery as they do "more" muscle stimulation. The best kind of "more stimulation" comes from the type of volume that is more sets, more total weight lifted for more intensity, not more days a week of moderate exercise. Some fitness professionals are sharing small studies reporting volume is important for women over 40. It's true. What's also true is the volume of recovery time increases. In other shares by fitness pros, the recommendation is 3 times a week, however those studies are not a) all about heavy each time b) or featuring women in menopause as subjects. For women in menopause prone to adrenal fatigue, and increased injury risk, the sweet spot of two is ideal. The other magical thing that happens in studies testing post menopausal women is they have so much more energy with 2 strength and 2 interval sessions (when ready) that they expend far more energy the rest of the week. There is no "couch compensation" that occurs when there's a high volume of exercise without time between. Q: For optimal muscle fiber recruitment (aka results) how much time should occur between exercises using the same muscle group? A: 3-5 minutes is the idea sweet spot. The goal is not to sit on a machine if you're at the gym, or to sit and wait idly between sets of exercise at home. What self-respecting woman in midlife has that kind of time or patience? The ideal is to format workouts so that they do that naturally. You absolutely don't want to waste the time and effort you put in, for a small percent of results that could be yours. Protocols used based on research about women just like you are your best bet. Watching your timing and speed (or lack there of) that you move back to the same exercise is key to fine tuning results. You'll pick up a bigger weight and be more fresh in doing this, creating more opportunity for fitness. Q: What is the optimal number of rest days (and or hours) between weight training sessions after 50 (and often already true at 40)? A: 72 hours, or 3 days is optimal for most women. This is something you can test. What I've found to be true over 37 years for clients - my own, and supervision of over 250,000 personal training sessions, is that women fully recovered can work harder. Women doing more than every 72 hours or twice a week, tend to not lift as heavy, still be sore, and experience more "tired" and breakdown than the greater fitness they seek. Even among younger women, many fitness pros have realized this to be true for them as well. Recovery is very unique to individuals. True, as you increase fitness beyond the couch you may find you need a little less recovery time, then again as you cross into higher fitness levels you will come back to needing more time between when you truly have effective workouts. This doesn't mean you can't do something. It just means more of the same thing (e.g. HIIT isn't really getting you more fit: it's getting you tired and your brain the fix it thinks it needs). This is really alarming because it tells us that more than 75% of women over 45 strength training are over exercising and under achieving results for creating muscle mass and bone density. Q: Which combination is BEST for changing body composition? A: Yay! Strength training and HIIT. Though I'm thrilled to see that long slow cardio wasn't selected, I want to go deeper. It isn't ALWAYS the right thing to burn fat - HIIT and strength training. There are times when your body is telling you doing HIIT is going to tip your stress scale so far that you'll gain fat or experience weight loss resistance doing it. Q: Which is the BEST work interval: recovery interval ratio for beginners doing interval training? A: Correct answer is.... definitely more recovery... 20:60the second best answer would be #3 20:40 so be sure you're on track for this. Essentially 46% of women answered with an acceptable ratio. But 24% are doing a little to much too soon and 20% are throwing themselves under the bus doing Tabata intervals designed based on young fit male athletes working at 110% of their maximum. That's not a friendly formula for women in menopause. Q: Which of the following repetition ranges is best for bulk-building (size gains)? A: The answer is 1012! Yay. Not that this is a goal for many women, yet, hold the phone. If you can't lose fat, gaining lean muscle mass is exactly the way to get better results. If you're frail, it most definitely is. Q: After High Intensity workouts (especially strength) what's the ideal window for a woman over 50 to ingest a high protein meal (if she's not doing fasted exercise)? A: The exact sweet spot for muscle protein synthesis is 90 minutes, so answer #2, 60-120 is correct. This surprises many - including trainers and nutritionists who are familiar with drinking chocolate milk within 30 minutes after. For older adults (and young) muscle protein synthesis should govern the choice. *if you're exercising fasted (not recommended) eat immediately: your muscle breakdown is occurring because of the fast + the workout + midlife. Q: After a strength training session how many grams of protein (minimum) does research suggest is optimal for muscle protein synthesis? A: A minimum threshold of at least 30 grams (of complete protein) is optimal. More is sometimes better but within limits. What we need to do is be in the sweet spot for absorbing the required essential amino acids. Key to know that collagen is not complete protein and alone does not count toward your daily muscle needs. In a recent podcast I discuss Essential Amino Acids, who might want to consider, and how I use them. If you're plant-based or you're skipping on your protein you need to listen. Not in a program or program you're in not working? Take a 5-day reset:
Resources by J.P. MorelandFinding Quiet: My Story of Overcoming Anxiety and the Practices that Brought PeaceJ.P. Moreland's WebsiteQ: I'm really interested to know how a philosophy professor ends up writing a book on anxiety and depression.I approach philosophy as an attempt to learn how to live a wise and flourishing life that honors Christ. I was born with a problem with anxiety that led me to wanting to continue to develop my emotional health and spiritual health. I was born with a genetic disposition towards anxiety from my mom's side, and as a little boy I also observed her worry and be anxious a lot. So by the time I got out of high school, and was well-taught and predisposed to being an anxious person. In 2003 I had an unbelievably stressful year at university. I had panic attacks and had what I could call a nervous breakdown that lasted 7 months. I got on medications, got into good Christian therapy, and began to practice some things that I've learned from Dallas Willard. After 7 months I got better. But then it happened again for 5 months. So I devoted myself to learning about anxiety and coming up with a list of practices that would help me.Q: The other thing you do that I found really helpful is that you help address a lot of concerns that Christians might have about mental health or medication or self-compassion. Have you found that to be well-received or have you gotten pushback from that?I did get some pushback. I was actually preaching at a church and I talked about the importance of medication for those who need it, and I was not allowed to speak at the second service and was never invited back. They were pretty upset with me. The Bible itself emphasizes the importance of non-biblical knowledge. If something in psychology contradicts the Bible, then I don't accept it. But if the Bible doesn't speak about it, then I'm free to follow the evidence wherever it goes. Psychology and psychiatry have a tremendous amount to offer us in our tool bag.Q: One of the pieces that I found really helpful in the book is you continue to go back to all these practices and very practical things that have worked for you, yet leaving it open for not being totally prescriptive for people. I'm curious to hear a little about your journey with contemplative prayer and how that has helped you with anxiety.It's been life changing. I needed to learn how to attach to God. This form of prayer has opened me up to attaching and connecting and experiencing the presence of God with more intensity than I had before. It has drawn me closer to the Lord. Contemplative prayer has a lot of different ways of doing it. The bottom line for me was finding a way to sit in the same place every morning and be quiet and to learn how to focus my attention by the use of some repetitive phrase. I want to get in a position of receptivity where I'm open to being guided or connected.Q: could you say a little about the four-step solution process?It is one way of dealing with the kinds of negative self-talk that we are habituated to that tears us down and makes us afraid and depressed. It was generated by Jeffrey Schwarz. It's a way of re-training your self-talk. The first step is that you invite the Spirit to search you and help you notice when you're doing this. Step 2 is to label it (there are 10 typical thought disorders), to name it, which takes the power out of it. Step 3 is refocusing, where you turn your mind away from it, and go to something that gets you into what's called flow. Step 4 is evaluate how you did in handling it. After 2-3 months of doing this daily, those grooves that automatically trigger anxiety are replaced with triggers that automatically cause feelings of joy and peace.Q: How did your friendship with Dallas inform your writing.He was my main professor and my dissertation supervisor. Part of his influence was realizing that it is actually possible to make tremendous progress in this journey. He really lived this, and that attractiveness of his heart and life drew me in, motivated me to dive in a learn a new era of the Christian life that I had not been taught before.Q: It reads like formation work applied to mental health challenges. What was it like to crash for all those months?It was terrorizing. What I learned quickly was that my typical approach to the Christian life was not adequate to deal with it. I felt like I was letting people down.Q: Are you healed?I haven't come close to having mild anxiety in 5 or 6 years, and it's been 8 years since the breakdown. In 2015 and for the next 2 ½ years I had 8 surgeries – one was life threatening for sure. I had chemo and 2 rounds of radiation, and I went through that whole time filled with joy and peace. And that's because I was reaping what I had sown for years in these practices. They worked; they actually re-formed my character to where the natural thing for me to do was respond in a trusting manner. Cast your anxiety on the Lord and he'll care for you, and the peace of Christ which surpasses understanding will guard your hearts and minds – those are not so much promises as ideals that you strive to achieve through practices and through praying through things. After a while, those texts become effective because you have developed the habituation that makes them a part of what you've now become.Q: How important were Biblical passages for you?The first appendix in Finding Quiet is a list of verses that are solid gold. Dallas told me that as, or more important, than getting in the Word and reading it, is to commit a handful of verses to memory that are there and you love them, they just do something for you, and make those the rails on which you run your life. As I began contemplative prayer, I would begin to quietly pray through a few of those and orient myself to contemplative prayer sessions with these verses. Pick a list of 4 or 5. I would try to express them emotionally to God, rather than cognitively reciting them.Q: What would you say to someone listening who is really struggling with anxiety and maybe has some self-condemnation or shame?Remember that Peter says that there are brothers and sisters all over the world who are going through the same things and that you're not alone. This is an epidemic, so you're not unusual. If this is a hard thing to handle, why not go to a Christian therapist and get some Christian counselling; go to a psychiatrist (rather than a GP) and consider getting a little help with meds until you get over the hump. And begin sharing what you're experiencing with trusted people so that you have a place to share it to get it off your chest. And then begin some of these simple practices. Guilt and shame is not needed. I don't think Christians should ever feel guilt or shame because of Romans 8:1 that says there is no condemnation and Colossians says that what we've done, our certificate of debt, was nailed to the cross. We should feel something else, and that is godly sorrow. The difference is that shame and guilt and self-oriented and self-condemnatory and puts me down. Godly sorrow is a form of sadness that draws me toward the Lord where I can acknowledge things and agree with God. It moves me toward the Lord and creates a hunger to conform to the way he is and continue on the journey rather than beating myself up.Q: For folks who have friends and family, spouses, that are struggling with anxiety, is there a word you might have for the best way they can love each other through this?The first thing is to be present to your loved one and give them opportunities to share and talk. And without you initially trying to fix it. Just be a presence and listen, even if you've heard it every day for 20 days now. That's going to give a feeling of support. Be careful to preserve your own boundaries. You're going to need time away and you just have to communicate that with them. You have to keep yourself from going down or you're not going to be any good to anybody.Q: How was your wife?She was worried. She was just there for me and listened to me and supported me. I didn't feel any condemnation on her part.
The Gardening with Joey & Holly radio show Podcast/Garden talk radio show (heard across the country)
The gardening with Joey and Holly Radio Show heard weekly March - Oct our 2021 anonymous Survey Garden survey https://docs.google.com/forms/d/11zLBO6dluGFLbLYqDUw6C3GA88Co39xbOCbOiUy7hVc/edit?gxids=7628 Email your questions to Gardentalkradio@gmail.com Or call 24/7 leave your question at 1-800 927-SHOW https://thewisconsinvegetablegardener.com/ In segment four Joey and Holly answer gardeners questions 1.Q: I have rhubarb seeds. Is it too late to plant them? A:Yes you can start it from seed normally you would want to start in 10 weeks before your last frost date indoors. But it you start it now it will be fine 2.Q: I'm in Zone 4 and hoping there are edibles that can be started from seed at this late date? Thank you for sharing your wisdom A: At this point of time in mid May You can start tomatoes indoors and plant them out in 4 or 6 weeks. Other than that in Zone 4 it is best to direct sow them from seed. bean, cucumbers at the right time yes pepper and tomatoes from seed outside Holly did it when she was younger. 3 Q: For two years I have bought chive and bunching onions seeds from different places. They will not germinate. I wait 4 weeks and them try planting more seeds. I use Miracle Grow soil and purchased garden dirt. I have them under grow lights. Everything else I plant grows well, flowers, peppers, squash, tomatoes, etc. Why will my chives and bunching onions not grow? Thank you for any suggestions you can give me. A:The only thing we can think of is the seeds might be too old. It sounds like you have the right conditions, so it really could be the seeds. Onion seeds lose germination quickly after 1 year. It usually only takes them 4 - 10 days to sprout. You may want to buy starts now or make sure you purchase seeds fresh next year. 4. David listent the show via podcast out of maine and whats to knowWhat books would you recommend on square foot gardening? A:Thank you for your email and listening to The Gardening with Joey and Holly Radio Show podcast formerly known as The Wisconsin Vegetable Gardener radio show To answer your question the best book for square foot gardening would be All New Square Foot Gardening by Mel Bartholomew 5.What temperature will shock a tomato plant? I heard that it's too cold can "shock" them? A:Any temperature 50 degrees, it can show significant problems to the plant. They can survive down to 33 degrees, but that would be for an established plant. Smaller seedlings would likely die. 6.Q: Stacy from North suburbs, Illinois Hello, love the show, I have learned so much! I decided to grow San Marzano tomatoes this year, but did not realize until I received my seeds in the mail that they are semi-determinate. I am a new gardener and only grew one indeterminate variety last year which I tried to prune to a single stem to keep it from bushing out too much. Should I be doing the same this year with the semi-determinate variety? Or will pruning this variety lessen the harvest? Any tips on pruning would be helpful! A: no do not trim it done let it grow normally The companies that make the show possible Proplugger of https://proplugger.com/ Rootmaker of https://myrootmaker.com/ Us coupon code Radio21 at checkout and save 15% of your order Chapin Manufacturing Inc. of https://chapinmfg.com/ Pomona pectin of https://pomonapectin.com/ Iv organics of https://ivorganics.com/ Dr. JimZ of https://drjimz.com/ Seed Savers Exchange of https://www.seedsavers.org/ Waterhoop of https://waterhoop.com/ Phyllom BioProducts of http://www.phyllombioproducts.com/home.html Happy leaf led of https://happyleafled.com/ Dripworks of https://www.dripworks.com/ Deer defeat https://deerdefeat.com/ use code Radio at check out to save 10% on your order Blue ribbon organics http://blueribbonorganics.com/ Chip Drop of https://getchipdrop.com/ Walton's Inc of https://www.waltonsinc.com/ Tree Diaper of http://www.treediaper.com/ Janie's Mill of https://www.janiesmill.com/ Nature's Lawn and Garden Inc of https://www.natureslawn.com/gardentalk can get 10% off on Aerify Plus by using this link Simply Earth of https://simplyearth.com/ Quick Snap Sprinklers of https://www.quick-snap.com/ Timber Pro Coatings of https://timberprocoatingsusa.com/products/internal-wood-stabilizer/ Bloomin easy plants of https://bloomineasyplants.com/ Tiger Torch of https://www.tigertorchltd.com/ Seedlinked of https://www.seedlinked.com/ Iron Wood Tool Company of https://www.ironwoodtools.com/ Natural green products of https://www.natgreenproducts.com/ EZ Step Products of https://ezstepproducts.com/ Rinsekit Of https://rinsekit.com/ Rincon Vitova of https://www.rinconvitova.com/ Wild Delight of https://www.wilddelight.com/ Bale buster of https://strawbalegardens-com.myshopify.com/collections/balebuster-bale-preparation-formula Soul brew kombucha of https://mysoulbrew.com/ Rescue of https://rescue.com/ Yard Glider of https://yardglider.com/ Piper and leaf of https://tinyurl.com/44rzt5sj Heard on Joy 1340 AM & 98.7 FM Milwaukee, WI Saturdays 7-8 AM CST Replay Saturdays 7-8 PM CST https://tunein.com/radio/Joy-1340-s30042/ Heard on WCRN 830 AM Westborough/Boston, MA Saturdays 8-9 AM EST Replay Sundays 5-6 AM EST https://tunein.com/radio/WCRN-AM-830-Full-Service-Radio-s1112/ Heard on KYAH 540 AM Delta/Salt Lake City, UT Saturdays 1-2 PM MST Reply Sundays 1-2 PM MST https://tunein.com/radio/KYAH-540-s34223/ Heard on KDIZ 1570 AM Minneapolis, MN Saturdays 4-5 PM and replay Sundays 2-3 PM CST http://player.listenlive.co/57071 Heard on WAAM 1600 AM & 92.7 FM Ann Arbor, MI Sundays 7-8 AM EST https://tinyurl.com/p68cvft Heard on WOGO 680 AM & 103.1 FM Chippewa Falls, WI Sundays 9-10 AM CST https://onlineradiobox.com/us/wogo/ Heard on KFEQ 680 AM & 107.9 FM St. Joseph/Kansas City, MO Saturdays 6-7 AM replay Sundays 10-11 AM CST http://www.680kfeq.com/live-stream/ Heard on WNAX 570 AM Yankton SD Sundays 10-11 AM CST bonus play Saturdays 2-3 PM CST (when twins baseball is not on) https://wnax.com/ Heard on WMBS 590 AM & 101.1 FM Uniontown/Pittsburgh/Morgantown PA. Saturday 6-7 AM EST replay Mondays 6-7 PM https://www.radio.net/s/wmbshttps://www.radio.net/s/wmbs Heard on KHNC 1360 AM Johnstown/Denver, CO Cheyenne, WY Saturdays 7-8 AM MST Replay Sundays 5-6 PM MST https://1360khnc.com/
The Gardening with Joey & Holly radio show Podcast/Garden talk radio show (heard across the country)
The gardening with Joey and Holly Radio Show heard weekly March - Oct our 2021 anonymous Survey Garden survey https://docs.google.com/forms/d/11zLBO6dluGFLbLYqDUw6C3GA88Co39xbOCbOiUy7hVc/edit?gxids=7628 Email your questions to Gardentalkradio@gmail.com Or call 24/7 leave your question at 1-800 927-SHOW https://thewisconsinvegetablegardener.com/ In segment 1 Joey and Holly talk about Edible flowers - do not eat if sprayed with pesticides - do not eat flowers found on the side of the road - use sparingly - can cause digestive issues if consumed in large quantities - adds pop of color, flavor, uniqueness to meal - not typically consumed for nutrients Clover (Trifolium species) – Sweet, anise-like, licorice. White and red clover blossoms were used in folk medicine against gout, rheumatism, and leucorrhea. It was also believed that the texture of fingernails and toenails would improve after drinking clover blossom tea. Native Americans used whole clover plants in salads, and made a white clover leaf tea for coughs and colds. Avoid bitter flowers that are turning brown, and choose those with the brightest color, which are tastiest. Raw flower heads can be difficult to digest. Dandelions (Taraxacum officinalis) – Member of the Daisy family. Flowers are sweetest when picked young. They have a sweet, honey-like flavor. Mature flowers are bitter. Dandelion buds are tastier than the flowers: best to pick these when they are very close to the ground, tightly bunched in the center, and about the size of a small gumball. Good raw or steamed. Also made into wine. Young leaves taste good steamed, or tossed in salads. When serving a rice dish use dandelion petals like confetti over the rice. Impatiens (Impatiens wallerana) – The flowers have a sweet flavor. They can be used as a garnish in salads or floated in drinks. Marigold (Tagetes tenuifolia – aka T. signata) – The marigold can be used as a substitute for saffron. Also great in salads as they have a citrus flavor. Nasturtiums Tropaeolum majus) – Comes in varieties ranging from trailing to upright and in brilliant sunset colors with peppery flavors. Nasturtiums rank among most common edible flowers. Blossoms have a sweet,spicy flavor similar to watercress. Stuff whole flowers with savory mousse. Leaves add peppery tang to salads. Pickled seed pods are less expensive substitute for capers. Use entire flowers to garnish platters, salads, cheese tortas, open-faced sandwiches, and savory appetizers. Pansy (Viola X wittrockiana) – Pansies have a slightly sweet green or grassy flavor. If you eat only the petals, the flavor is extremely mild, but if you eat the whole flower, there is a winter, green overtone. Use them as garnishes, in fruit salads, green salad, desserts or in soups. Tulip Petals (Tulipa) – Flavor varies from tulip to tulip, but generally the petals taste like sweet lettuce, fresh baby peas, or a cucumber-like texture and flavor. NOTE: Some people have had strong allergic reactions to them. If touching them causes a rash, numbness etc. Don’t eat them! Don’t eat the bulbs ever. If you have any doubts, don’t eat the flower. Violets (Viola species) – Sweet, perfumed flavor. Related flowers, Johnny jump-ups or violas, and pansies now come in colorful purples and yellows to apricot and pastel hues. I like to eat the tender leaves and flowers in salads. I also use the flowers to beautifully embellish desserts and iced drinks. Freeze them in punches to delight children and adults alike. All of these flowers make pretty adornments for frosted cakes, sorbets, or any other desserts, and they may be crystallized as well. Heart-shaped leaves are edible, and tasty when cooked like spinach. In segment two Joey and Holly got over Container gardening What do you want to grow Size of container Drainage holes Refresh soil or new soil? What kind of soil? Water everyday You can still mulch Many things can be a container You can trellis with containers Move them around if needed In segment three Joey and Holly welcome their guest. Susan Mulvihill is a columnist, passionate gardener, author, and has a new book out called The Vegetable Garden Pest hand Book. https://www.susansinthegarden.com/ 1. We often get asked, what is this insect on my X plant - what are some great ways people can identify a pest in their garden most efficiently? 2. What are some tips to determine if damage to a plant is from a pest vs something else? 3. Your book is The Vegetable Garden Pest book - what is something unique or noteworthy in your book that would encourage our listeners to check it out? 4. Why is organic pest control important? 5. What is integrated pest control management and how does it work? 6. How can we find out more about you? In segment four Joey and Holly answer gardeners questions 1.Q: I have rhubarb seeds. Is it too late to plant them? A:Yes you can start it from seed normally you would want to start in 10 weeks before your last frost date indoors. But it you start it now it will be fine 2.Q: I'm in Zone 4 and hoping there are edibles that can be started from seed at this late date? Thank you for sharing your wisdom A: At this point of time in mid May You can start tomatoes indoors and plant them out in 4 or 6 weeks. Other than that in Zone 4 it is best to direct sow them from seed. bean, cucumbers at the right time yes pepper and tomatoes from seed outside Holly did it when she was younger. 3 Q: For two years I have bought chive and bunching onions seeds from different places. They will not germinate. I wait 4 weeks and them try planting more seeds. I use Miracle Grow soil and purchased garden dirt. I have them under grow lights. Everything else I plant grows well, flowers, peppers, squash, tomatoes, etc. Why will my chives and bunching onions not grow? Thank you for any suggestions you can give me. A:The only thing we can think of is the seeds might be too old. It sounds like you have the right conditions, so it really could be the seeds. Onion seeds lose germination quickly after 1 year. It usually only takes them 4 - 10 days to sprout. You may want to buy starts now or make sure you purchase seeds fresh next year. 4. David listent the show via podcast out of maine and whats to knowWhat books would you recommend on square foot gardening? A:Thank you for your email and listening to The Gardening with Joey and Holly Radio Show podcast formerly known as The Wisconsin Vegetable Gardener radio show To answer your question the best book for square foot gardening would be All New Square Foot Gardening by Mel Bartholomew 5.What temperature will shock a tomato plant? I heard that it's too cold can "shock" them? A:Any temperature 50 degrees, it can show significant problems to the plant. They can survive down to 33 degrees, but that would be for an established plant. Smaller seedlings would likely die. 6.Q: Stacy from North suburbs, Illinois Hello, love the show, I have learned so much! I decided to grow San Marzano tomatoes this year, but did not realize until I received my seeds in the mail that they are semi-determinate. I am a new gardener and only grew one indeterminate variety last year which I tried to prune to a single stem to keep it from bushing out too much. Should I be doing the same this year with the semi-determinate variety? Or will pruning this variety lessen the harvest? Any tips on pruning would be helpful! A: no do not trim it done let it grow normally The companies that make the show possible Proplugger of https://proplugger.com/ Rootmaker of https://myrootmaker.com/ Us coupon code Radio21 at checkout and save 15% of your order Chapin Manufacturing Inc. of https://chapinmfg.com/ Pomona pectin of https://pomonapectin.com/ Iv organics of https://ivorganics.com/ Dr. JimZ of https://drjimz.com/ Seed Savers Exchange of https://www.seedsavers.org/ Waterhoop of https://waterhoop.com/ Phyllom BioProducts of http://www.phyllombioproducts.com/home.html Happy leaf led of https://happyleafled.com/ Dripworks of https://www.dripworks.com/ Deer defeat https://deerdefeat.com/ use code Radio at check out to save 10% on your order Blue ribbon organics http://blueribbonorganics.com/ Chip Drop of https://getchipdrop.com/ Walton's Inc of https://www.waltonsinc.com/ Tree Diaper of http://www.treediaper.com/ Janie's Mill of https://www.janiesmill.com/ Nature's Lawn and Garden Inc of https://www.natureslawn.com/gardentalk can get 10% off on Aerify Plus by using this link Simply Earth of https://simplyearth.com/ Quick Snap Sprinklers of https://www.quick-snap.com/ Timber Pro Coatings of https://timberprocoatingsusa.com/products/internal-wood-stabilizer/ Bloomin easy plants of https://bloomineasyplants.com/ Tiger Torch of https://www.tigertorchltd.com/ Seedlinked of https://www.seedlinked.com/ Iron Wood Tool Company of https://www.ironwoodtools.com/ Natural green products of https://www.natgreenproducts.com/ EZ Step Products of https://ezstepproducts.com/ Rinsekit Of https://rinsekit.com/ Rincon Vitova of https://www.rinconvitova.com/ Wild Delight of https://www.wilddelight.com/ Bale buster of https://strawbalegardens-com.myshopify.com/collections/balebuster-bale-preparation-formula Soul brew kombucha of https://mysoulbrew.com/ Rescue of https://rescue.com/ Yard Glider of https://yardglider.com/ Piper and leaf of https://tinyurl.com/44rzt5sj Heard on Joy 1340 AM & 98.7 FM Milwaukee, WI Saturdays 7-8 AM CST Replay Saturdays 7-8 PM CST https://tunein.com/radio/Joy-1340-s30042/ Heard on WCRN 830 AM Westborough/Boston, MA Saturdays 8-9 AM EST Replay Sundays 5-6 AM EST https://tunein.com/radio/WCRN-AM-830-Full-Service-Radio-s1112/ Heard on KYAH 540 AM Delta/Salt Lake City, UT Saturdays 1-2 PM MST Reply Sundays 1-2 PM MST https://tunein.com/radio/KYAH-540-s34223/ Heard on KDIZ 1570 AM Minneapolis, MN Saturdays 4-5 PM and replay Sundays 2-3 PM CST http://player.listenlive.co/57071 Heard on WAAM 1600 AM & 92.7 FM Ann Arbor, MI Sundays 7-8 AM EST https://tinyurl.com/p68cvft Heard on WOGO 680 AM & 103.1 FM Chippewa Falls, WI Sundays 9-10 AM CST https://onlineradiobox.com/us/wogo/ Heard on KFEQ 680 AM & 107.9 FM St. Joseph/Kansas City, MO Saturdays 6-7 AM replay Sundays 10-11 AM CST http://www.680kfeq.com/live-stream/ Heard on WNAX 570 AM Yankton SD Sundays 10-11 AM CST bonus play Saturdays 2-3 PM CST (when twins baseball is not on) https://wnax.com/ Heard on WMBS 590 AM & 101.1 FM Uniontown/Pittsburgh/Morgantown PA. Saturday 6-7 AM EST replay Mondays 6-7 PM https://www.radio.net/s/wmbshttps://www.radio.net/s/wmbs Heard on KHNC 1360 AM Johnstown/Denver, CO Cheyenne, WY Saturdays 7-8 AM MST Replay Sundays 5-6 PM MST https://1360khnc.com/
This talk was given by Gil Fronsdal on 2020-11-23 at the Insight Meditation Center in Redwood City, CA. ****** A machine generated transcript of this talk is available. It has not been edited by a human, so errors will exist. Closed Captioning: https://otter.ai/u/KfLWPKzTk1OEJlZnkPlp6-fn6-Q ****** For more talks like this, visit AudioDharma.org ****** If you have enjoyed this talk, please consider supporting Audio Dharma with a donation at https://www.audiodharma.org/donate/. ****** This talk is licensed by a Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License
This talk was given by Gil Fronsdal on 2020-11-23 at the Insight Meditation Center in Redwood City, CA. ****** A machine generated transcript of this talk is available. It has not been edited by a human, so errors will exist. Closed Captioning: https://otter.ai/u/KfLWPKzTk1OEJlZnkPlp6-fn6-Q ****** For more talks like this, visit AudioDharma.org ****** If you have enjoyed this talk, please consider supporting Audio Dharma with a donation at https://www.audiodharma.org/donate/. ****** This talk is licensed by a Creative Commons Attribution-Noncommercial-No Derivative Works 4.0 License
The Gardening with Joey & Holly radio show Podcast/Garden talk radio show (heard across the country)
The Wisconsin Vegetable Gardener Radio Show from March – Oct weekly Heard on Joy 1340 AM & 98.7 FM Milwaukee, WI Saturday mornings 7-8 AM CST http://player.listenlive.co/41841 Heard on WAAM 1600 AM & 92.7 FM Ann Arbor, MI Sundays 7-8 AM EST https://tinyurl.com/p68cvft Heard on KDIZ 1570 AM Minneapolis, MN Saturdays 4-5 PM and replay Sundays 2-3 PM CST http://player.listenlive.co/57071 Heard on KFEQ 680 AM at 107.9 FM St. Joseph/Kansas City, MO Sundays 10-11 AM CST http://www.680kfeq.com/live-stream/ Heard on WRMN 1410 AM & 96.7 FM Elgin/Chicago, IL Sundays Noon-1 PM CST https://www.wrmn1410.com/ Heard on KYAH 540 AM Delta/Salt Lake City, UT Saturdays 1-2 PM MST Reply Sundays 9-10 PM MST https://www.yahradio540.com/listen-live/ Heard on KMET 1490 AM & 98.1 FM Banning, CA Tuesdays 9 - 10 AM PST April – Oct https://www.kmet1490am.com/ Heard on WCRN 830 AM Westborough/Boston, MA Saturdays 10-11 AM EST https://tunein.com/radio/WCRN-AM-830-Full-Service-Radio-s1112/ Heard on WOGO 680 AM & 103.1 FM Chippewa Falls, WI Sundays 9-10 AM CST https://www.christiannetcast.com/listen/player.asp?station=wogo-am Check out https://thewisconsinvegetablegardener.com/ Email your questions to Gardentalkradio@gmail.com Or call 24/7 leave your question at 1-800 927-SHOW In segment one: Joey and Holly talk about five good bugs and five bad bugs in your garden. 1.Aphids Spray these bad guys off your plants with water from the garden hose or a spray bottle. (And encourage the good garden bugs that eat them for you!) what eats them green and brown lacewings, lady beetles, hover flies, midges, bigeyed bugs, damsel bugs, soldier beetles, and blister beetles 2. Tomato Hornworms Handpick these bad guys off your plants on sight. Glow in black light 3. Snails and Slugs Handpick, crush, or set out beer traps. Coffee gound /sand /egg shells around the plant sorta of works 4. Squash Vine Borers Get rid of these garden destroyers using the basic stem borer control method: Insert wire in hole in stem and skewer. 5. Potato beetle Plant sage a buddy plant Straw Mulch Mulching heavily with straw not only helps keep the tubers out of the sunlight but also creates a habitat for predators of the Colorado potato beetle. If you can attract ground beetles, ladybugs, and green lacewings, they'll do a lot of the hard work for you. Crop Rotation Companion Planting Other ways to control them Apply neem oil as needed. This is the organic gardener's go-to insecticide, and it works wonders––even better than most conventional options. Hand-pick beetles, larvae, and eggs and throw them in a bucket of soapy water to kill them. Use a vacuum to remove beetles, larvae, and eggs. There are special "bug vacs" for garden use, but a regular household handheld vacuum also works well. Good bugs Earthworms Ladybugs besides eating bad bugs ladybugs also look for pollen for a food source, so there are numerous plants you can grow to help attract them. Flowers and herbs such as cilantro, dill, fennel, caraway, yarrow, tansy, angelica, scented geraniums, coreopsis and cosmos are good choices for luring the ladybug Bees Pillbugs sometimes also referred to as roly-pollies, primarily consume plant matter that is either decaying or is already dead and decomposed. Their preferred foods are soft decaying plants like grasses and leaves, but they may also eat mulch used in landscaping around the house.The other major benefit of “rollie pollies” in the garden is that they are a natural way to safely remove heavy metals from the soil. Toxins like lead, cadmium, and arsenic (among others) are not harmful to pill bugs. ... They're giving you good, clean soil for your plants. Lacewings Lacewings are not harmful or dangerous to humans, but they are dangerous to other insects in your garden. At the larval stage, lacewings devour aphids and other pests such as mealybugs, thrips and juvenile whiteflies in massive numbers Nectar and pollen will help encourage Lacewings into your garden. Make sure you have many nectar-rich flowering plants in your patch. Another good tip is to have a good mixture of plants, as this is a good way to ensure an alternative food source for the Green Lacewing if bugs are running low. In segment two Joey and Holly talk about What to know before going to the farmers market Shop around Talk to the farmers Ask for samples/ or recipes Bring your own bags Other things to buy Buy in bulk? Talk to vendor Go early Speak up Note Giveaway: Open to listener 18 years and older and living the contagious united states this give away ends Thursday May 7th 9 am cst winner will be notified via email on Thursday April 23rd and will have 7 days to reply to claim their price for detail got to the Wisconsin vegetable gardener .com and click on the giveaway tab at the top of the page https://thewisconsinvegetablegardener.com/giveaway/ The question is what 2 commonly made items from cabbage? email you answer to Gardentalkradio@gmail.com with your name and the answer and the drawing will be later this week and you will be notified if you won via email. to win a Neptunes Harvest garden package a $150 dollar value In segment three Joey and Holly welcome their guest garden trend expert Katie Dubow from https://www.gardenmediagroup.com/ Katie Dubow is an author, guest host on QVC, president of the Garden Media Group and long time garden enthusiast. 1. Why is gardening and green living important to you? Where did that passion come from? 2. Home gardeners have a positive impact on soil erosion and run off - why is that? 3. You've hosted on QVC a number of times - give us some behind the scenes insight - are the segments always live or are some pre recorded? 4. what are some garden trends you were seeing before the pandemic and now are seeing during? 5. Where can we find out more about you? In segment four Joey and Holly answer Garden questions Q: Best cure for getting rid of rabbits other than trapping them. Used moth balls, irish spring soap, apple cide vinegar, crushed red pepper, cayenne pepper, garlic powder, rabbit scram, repels all…etc. A:Yes these all do work however when it rains you do need to apply them you can also us 2 foot high chicken wire they help keep them out if you leave it up all year long also what does work is deer feet https://deerdefeat.com/ it is a All natural, environmentally safe Deer Defeat effectively deters deer, rabbits, groundhogs and other browsing animals, while actively nourishing your vegetation. It does not scare them away but it keep them from eating your vegetation Straw Bale Gardening Q:. Just listened to you podcast about growing in straw bales. How do you keep rodents out? A: The best way is to keep the bale moist to the dampness of a sponge water it as needed stick you hand in the side and top if it is dry water it Straw Bale Gardening Q: when conditioning my straw bale I can only use water from the hose. Will this be okay? A: People may be concerned about chlorine killing off the microbes in the bale and they will not studies have been done that shows little not nearly no die off happens Wild raspberries in container Q:I have some wild raspberries on a second property that I don’t get out too often And I’d like to dig up a second year cane or two to plant in a container at the house so I could harvest some before the birds beat me to them ! Do you think wild raspberries would do well or does it have to be a nursery plant Thank you A: As long as you plant it in a large enough container it will do just fine. You want to transplant it when the plant is still in dormancy. You might still be able to it now, also with that patch on the other property you could look at bird netting that you can lay over top of the plants to keep the birds away too. Bent Grass Q: have bent grass in my lawn, do you know how to kill it without hurting my fescue lawn? A: It is also called creeping bent grass it will grow in the sun and in the shade it is found on golf courses it has a bluish green color it is a fine thin bladed grass. There are two ways to get rid of it, one in using roundup you would spray the grass but also you would spray a foot beyond the area as the grass will already be creeping in that grass that you can not see most people do not want to kill all their grass (this can also take several treatments over 2 to 3 years to kill it all) The second is called Tenacity it is not cheap however it will not kill you fescue but will only control the bent grass and will need 3 application over a couple of year but with a little time you can get rid of the bent grass https://www.amazon.com/Tenacity-Turf-Herbicide-8-ounces/dp/B005DUTNF0 Stalks for stock Q: When onions are seeding Would the stalks be good for flavoring soup stock? A: at the time the seed pods are on the plant the stalk are very thin and woody and tough and would have off flavor. Worms Q: Do worms damage plants by eating the stem or roots? A: Cutworms chew through plant stems at the base. They primarily feed on roots and foliage of young plants, and will even cut off the plant from underneath the soil. But earthworms do not. Rhubarb is Yellowing Q: Areas of my Rhubarb leaves are turning yellow. I can't seem to find a diagram identifying the parts of the rhubarb leaves, so please bear with me. The part turning yellow is the area on either side of the rib? That runs through the leaves.This has never happened before. A: With your Rhubarb and yellowing leaves, what it maybe is you have over watered it. You want to keep the soil damp. Also it is best to fertilize early in the spring 1/2 cup of 10-10-10 fertilizer is fine or something in the range and again in the fall. Apply the fertilizer in a circle around the plant. It is best not to fertilize new plants until the second year. So no more Fertilizer right now, their may be too much in the soil and causing some element being blocked out and keeping others from up taking to the leaves. And if the leaves are changing color but the stem is still firm you maybe ok for harvest this year. If the stem get limp, remove all those that are this way to get them from the plant. Soaking seeds Q: I soaked my chickpeas in a wet paper towel for 7 days then they were really mushy..i guess I should have just planted them directly in the soil,without pre soaking? can I use store bought chic peas? A:Yes you can use store bought dry . You can still soak them for a day and then plant them that will help. Keep in mind, Some beans and chickpeas maybe too old to germinate well, while others are irradiated so they won't sprout. The seeds may also have a poor germination rate even if the seeds aren't treated to prevent germination because they haven't been stored at optimum conditions for planting. Cover crop is thick Q:For the first time, 2019, I planted a cover crop (winter wheat) on my garden last fall. Now, that I’m preparing the garden, I’m finding, dealing with the cover crop to be more of a challenge than I anticipated. It’s like grass or sod. Any suggestions here? A: With you cover crop situation. Our suggestion would be to cut it down and that will kill the plant. It will not regrow like a weed or a grass will when it is cut or mowed. After that you can allow it to dry and break down on the top of the soil or you can burn it off (safely) or till it under. Check out the companies that make the show possible Power Planter of www.powerplanter.com Proplugger of www.proplugger.com World's coolest rain gauge www.worldscoolestraingauge.com Rootmaker of www.rootmaker.com Us coupon code TWVG at checkout and save 10% of your order Tomato snaps of www.tomatosnaps.com Chapin Manufacturing Inc. of www.chapinmfg.com Pomona pectin of www.pomonapectin.com Iv organics of www.ivorganics.com Dr. JimZ of www.drjimz.com Seed Savers Exchange of www.seedsavers.org Waterhoop of www.waterhoop.com Green Gobbler of www.greengobbler.com Nessalla koombucha of www.nessalla.com MI Green House LLC of www.migreenhouse.com Spartan mosquito of www.spartanmosquito.com Phyllom BioProducts of www.phyllombioproducts.com Happy leaf led of www.happyleafled.com Neptunes harvest of www.neptunesharvest.com Dripworks of www.dripworks.com We Grow Indoors of www.wegrowindoors.com Harvestmore of www.harvest-more.com Deer defeat www.deerdefeat.com Blue ribbon organics www.blueribbonorganics.com Bluemel's garden & landscape center www.bluemels.com Milwaukee,WI official garden center of the show Wisconsin Greenhouse company of https://wisconsingreenhousecompany.com/ Chip Drop of https://getchipdrop.com/?ref=wisconsinvegetable Tree-Ripe Fruit Co of https://www.tree-ripe.com/
The Gardening with Joey & Holly radio show Podcast/Garden talk radio show (heard across the country)
The Wisconsin Vegetable Gardener Radio Show from March – Oct weekly Heard on Joy 1340 AM & 98.7 FM Milwaukee, WI Saturday mornings 7-8 AM CST http://player.listenlive.co/41841 Heard on WAAM 1600 AM & 92.7 FM Ann Arbor, MI Sundays 7-8 AM EST https://tinyurl.com/p68cvft Heard on KDIZ 1570 AM Minneapolis, MN Saturdays 4-5 PM and replay Sundays 2-3 PM CST http://player.listenlive.co/57071 Heard on KFEQ 680 AM at 107.9 FM St. Joseph/Kansas City, MO Sundays 10-11 AM CST http://www.680kfeq.com/live-stream/ Heard on WRMN 1410 AM & 96.7 FM Elgin/Chicago, IL Sundays Noon-1 PM CST https://www.wrmn1410.com/ Heard on KYAH 540 AM Delta/Salt Lake City, UT Saturdays 1-2 PM MST Reply Sundays 9-10 PM MST https://www.yahradio540.com/listen-live/ Heard on KMET 1490 AM & 98.1 FM Banning, CA Tuesdays 9 - 10 AM PST April – Oct https://www.kmet1490am.com/ Heard on WCRN 830 AM Westborough/Boston, MA Saturdays 10-11 AM EST https://tunein.com/radio/WCRN-AM-830-Full-Service-Radio-s1112/ Heard on WOGO 680 AM & 103.1 FM Chippewa Falls, WI Sundays 9-10 AM CST https://www.christiannetcast.com/listen/player.asp?station=wogo-am Check out https://thewisconsinvegetablegardener.com/ Email your questions to Gardentalkradio@gmail.com Or call 24/7 leave your question at 1-800 927-SHOW In segment four Joey and Holly answer Garden questions Q: Best cure for getting rid of rabbits other than trapping them. Used moth balls, irish spring soap, apple cide vinegar, crushed red pepper, cayenne pepper, garlic powder, rabbit scram, repels all…etc. A:Yes these all do work however when it rains you do need to apply them you can also us 2 foot high chicken wire they help keep them out if you leave it up all year long also what does work is deer feet https://deerdefeat.com/ it is a All natural, environmentally safe Deer Defeat effectively deters deer, rabbits, groundhogs and other browsing animals, while actively nourishing your vegetation. It does not scare them away but it keep them from eating your vegetation Straw Bale Gardening Q:. Just listened to you podcast about growing in straw bales. How do you keep rodents out? A: The best way is to keep the bale moist to the dampness of a sponge water it as needed stick you hand in the side and top if it is dry water it Straw Bale Gardening Q: when conditioning my straw bale I can only use water from the hose. Will this be okay? A: People may be concerned about chlorine killing off the microbes in the bale and they will not studies have been done that shows little not nearly no die off happens Wild raspberries in container Q:I have some wild raspberries on a second property that I don’t get out too often And I’d like to dig up a second year cane or two to plant in a container at the house so I could harvest some before the birds beat me to them ! Do you think wild raspberries would do well or does it have to be a nursery plant Thank you A: As long as you plant it in a large enough container it will do just fine. You want to transplant it when the plant is still in dormancy. You might still be able to it now, also with that patch on the other property you could look at bird netting that you can lay over top of the plants to keep the birds away too. Bent Grass Q: have bent grass in my lawn, do you know how to kill it without hurting my fescue lawn? A: It is also called creeping bent grass it will grow in the sun and in the shade it is found on golf courses it has a bluish green color it is a fine thin bladed grass. There are two ways to get rid of it, one in using roundup you would spray the grass but also you would spray a foot beyond the area as the grass will already be creeping in that grass that you can not see most people do not want to kill all their grass (this can also take several treatments over 2 to 3 years to kill it all) The second is called Tenacity it is not cheap however it will not kill you fescue but will only control the bent grass and will need 3 application over a couple of year but with a little time you can get rid of the bent grass https://www.amazon.com/Tenacity-Turf-Herbicide-8-ounces/dp/B005DUTNF0 Stalks for stock Q: When onions are seeding Would the stalks be good for flavoring soup stock? A: at the time the seed pods are on the plant the stalk are very thin and woody and tough and would have off flavor. Worms Q: Do worms damage plants by eating the stem or roots? A: Cutworms chew through plant stems at the base. They primarily feed on roots and foliage of young plants, and will even cut off the plant from underneath the soil. But earthworms do not. Rhubarb is Yellowing Q: Areas of my Rhubarb leaves are turning yellow. I can't seem to find a diagram identifying the parts of the rhubarb leaves, so please bear with me. The part turning yellow is the area on either side of the rib? That runs through the leaves.This has never happened before. A: With your Rhubarb and yellowing leaves, what it maybe is you have over watered it. You want to keep the soil damp. Also it is best to fertilize early in the spring 1/2 cup of 10-10-10 fertilizer is fine or something in the range and again in the fall. Apply the fertilizer in a circle around the plant. It is best not to fertilize new plants until the second year. So no more Fertilizer right now, their may be too much in the soil and causing some element being blocked out and keeping others from up taking to the leaves. And if the leaves are changing color but the stem is still firm you maybe ok for harvest this year. If the stem get limp, remove all those that are this way to get them from the plant. Soaking seeds Q: I soaked my chickpeas in a wet paper towel for 7 days then they were really mushy..i guess I should have just planted them directly in the soil,without pre soaking? can I use store bought chic peas? A:Yes you can use store bought dry . You can still soak them for a day and then plant them that will help. Keep in mind, Some beans and chickpeas maybe too old to germinate well, while others are irradiated so they won't sprout. The seeds may also have a poor germination rate even if the seeds aren't treated to prevent germination because they haven't been stored at optimum conditions for planting. Cover crop is thick Q:For the first time, 2019, I planted a cover crop (winter wheat) on my garden last fall. Now, that I’m preparing the garden, I’m finding, dealing with the cover crop to be more of a challenge than I anticipated. It’s like grass or sod. Any suggestions here? A: With you cover crop situation. Our suggestion would be to cut it down and that will kill the plant. It will not regrow like a weed or a grass will when it is cut or mowed. After that you can allow it to dry and break down on the top of the soil or you can burn it off (safely) or till it under. Check out the companies that make the show possible Power Planter of www.powerplanter.com Proplugger of www.proplugger.com World's coolest rain gauge www.worldscoolestraingauge.com Rootmaker of www.rootmaker.com Us coupon code TWVG at checkout and save 10% of your order Tomato snaps of www.tomatosnaps.com Chapin Manufacturing Inc. of www.chapinmfg.com Pomona pectin of www.pomonapectin.com Iv organics of www.ivorganics.com Dr. JimZ of www.drjimz.com Seed Savers Exchange of www.seedsavers.org Waterhoop of www.waterhoop.com Green Gobbler of www.greengobbler.com Nessalla koombucha of www.nessalla.com MI Green House LLC of www.migreenhouse.com Spartan mosquito of www.spartanmosquito.com Phyllom BioProducts of www.phyllombioproducts.com Happy leaf led of www.happyleafled.com Neptunes harvest of www.neptunesharvest.com Dripworks of www.dripworks.com We Grow Indoors of www.wegrowindoors.com Harvestmore of www.harvest-more.com Deer defeat www.deerdefeat.com Blue ribbon organics www.blueribbonorganics.com Bluemel's garden & landscape center www.bluemels.com Milwaukee,WI official garden center of the show Wisconsin Greenhouse company of https://wisconsingreenhousecompany.com/ Chip Drop of https://getchipdrop.com/?ref=wisconsinvegetable Tree-Ripe Fruit Co of https://www.tree-ripe.com/
Serial Entrepreneurship - How to Use Spirituality for Success Geraldine Convento Business Woman Influencer YouTube Personality Has her own marketing, SEO, Web Optimization Company Q: How did you become an entrepreneur? A: From San Francisco Bay area I grew up in a family with siblings that were a lot older than me, I grew up around a lot of adults I noticed that everyone was really busy working for other people, and sometimes worked multiple jobs I thought if I had my own business I could make more time for myself I was working in the corporate world, I decided to go to business school so I could start my own business. I had no idea what kind of business I was going to run. I started all these different businesses I really enjoyed creating my own business, putting hours into my own creations and fulfilling my own dreams & desires Over time, my capacity became limited as a solo entrepreneur, it became really discouraging Later on I discovered the power of having business partnerships & teams, and it totally transformed my experience as an entrepreneur, and that's what led me to having multiple businesses today Q: When you say serial entrepreneur, you're talking about multiple businesses and multiple revenue streams, not necessarily the trap of jumping from one to the next. You're talking about aligned, grounded businesses and revenue streams, correct? A: Yes, it's having multiple income streams that are all aligned. Q: For those listening, that might be starting one business and jumping to the next before it takes off - what advice can you give them to ground and build a business that is aligned and purpose driven? A: When I was starting businesses and it wasn't working, it came down to identifying what my limiting beliefs were This is where the spirituality comes into play If something isn't working, there may be a limiting belief I started taking seminars and finding resources to get to know myself I've come into a direct relationship with self-love, and finding the best way to connect with spirit I had to learn communication styles and understand how other people think and feel Entrepreneurship is a self-development journey In that journey, there can be a lot of trial & error Q: I love how you mentioned that entrepreneurship and personal development are one in the same I want to go into the topic of limiting beliefs a little bit. What were some of the limiting beliefs that you had to uncover, and what are some common limiting beliefs that you see? A: I'm not good enough I don't have the skills, I can't do that I find people might set their prices low because they believe that they don't have the skills or experience, but then they don't have the money to add more education Whether it's a product or service, the value has to be energetically aligned Q: Pricing is one aspect of your business to look at and feel into any beliefs around worthiness and how it's showing up in your pricing strategy What are some of the things that you did to uncover and transcend your limiting beliefs? A: The uncovering came through crying or feeling bad I was someone who liked to keep uncomfortable emotions in the background Early on in my career, I would reach out to people who seemed to be really successful, and I discovered they were going through the same thing as me Building community Reaching out to mentors and coaches Finding a network of people to build you up when you're feeling down Q: I want to talk more about the spirituality side of things As we grow our business model to have multiple businesses or team members, how can we leverage spirituality? A: Having access to your creativity and inner genius is critical in this process I used meditation to connect to spirit Epsom Salt baths - to clear any negative energy Sage Having crystals & stones around I've also tried things like sweat lodges and moon clearing ceremonies Q: Those are great for clearing lower vibrational energies What about the work aspect? How often can we sit in meditation and how often do we have to take action? What is the balance? A: I think we have to set aside time Breathing has always been a huge resource for me. It is the one thing you can control that no one else can If I get caught up in the day-to-day hustle or anxiety, breathing can really help with that Q: It's important to have tools that keep you grounded when there's a lot going on To help us understand where our actions are coming from in the moment A: One of the things I've come across is the map of consciousness by Dr. Hawkins It helps me to understand the levels of emotion and where they lie Q: Having a tool or a system to check in with yourself throughout the day is really helpful and a great way to be accountable A: If you want to learn more about the map of consciousness I highly recommend the book: “Power vs Force” by Dr. David Hawkins Q: What are some other ways that you are using spirituality for success in your serial entrepreneurship journey? A: I'm starting to build communities around spirituality I used to keep my spiritual practices in the background, but now I'm sharing it more I'm learning to feel comfortable with spirituality being more of who I am Q: A lot of women in our community are “In the Spiritual Closet” We need to share to give other people permission to stand in their power as well It helps to light the path for others Can you tell us about your upcoming events? A: I've been doing some immense study around subconscious beliefs & Law of Attraction. These upcoming events are in the Bay Area: Jan 18th - SAGE & RISE http://bit.ly/sage-rise-bay-area Divine Feminine & Masculine, Clearing Limiting Beliefs, Understanding true potential Jan 22nd - BEYOND SELF SABOTAGE http://bit.ly/beyond-self-sabotage Getting to know what self-sabotage is, why it happens, what you can do to recognize it and get rid of it Q: How do you have the time to do all of this? A: I have teams are in place to make sure everything gets done Structures & processes Commitment Q: As you show that this is possible, you're inspiring so many others. Thank you for sharing your story If people want to get in touch with you, but they're not in the Bay area, how can they work with you? A: LINKS: Jan 18th - Sage and Rise - http://bit.ly/sage-rise-bay-area Jan 25th: Beyond Self-Sabotage - http://bit.ly/beyond-self-sabotage Instagram - www.instagram.com/geraldineconvento Website - www.geraldineconvento.com - Content Form I offer coaching re: serial entrepreneurship. I like to connect first and see how we can work together Power vs. Force (Book) - https://www.bookdepository.com/Power-vs-Force-David-R-Hawkins/9781401945077
The earliest Unix code, how to replace fail2ban with blacklistd, OpenBSD crossed 400k commits, how to install Bolt CMS on FreeBSD, optimized hammer2, appeasing the OSI 7-layer burrito guys, and more. Headlines The Earliest Unix Code: An Anniversary Source Code Release (https://computerhistory.org/blog/the-earliest-unix-code-an-anniversary-source-code-release/) What is it that runs the servers that hold our online world, be it the web or the cloud? What enables the mobile apps that are at the center of increasingly on-demand lives in the developed world and of mobile banking and messaging in the developing world? The answer is the operating system Unix and its many descendants: Linux, Android, BSD Unix, MacOS, iOS—the list goes on and on. Want to glimpse the Unix in your Mac? Open a Terminal window and enter “man roff” to view the Unix manual entry for an early text formatting program that lives within your operating system. 2019 marks the 50th anniversary of the start of Unix. In the summer of 1969, that same summer that saw humankind’s first steps on the surface of the Moon, computer scientists at the Bell Telephone Laboratories—most centrally Ken Thompson and Dennis Ritchie—began the construction of a new operating system, using a then-aging DEC PDP-7 computer at the labs. This man sent the first online message 50 years ago (https://www.cbc.ca/radio/thecurrent/the-current-for-oct-29-2019-1.5339212/this-man-sent-the-first-online-message-50-years-ago-he-s-since-seen-the-web-s-dark-side-emerge-1.5339244) As many of you have heard in the past, the first online message ever sent between two computers was "lo", just over 50 years ago, on Oct. 29, 1969. It was supposed to say "log," but the computer sending the message — based at UCLA — crashed before the letter "g" was typed. A computer at Stanford 560 kilometres away was supposed to fill in the remaining characters "in," as in "log in." The CBC Radio show, “The Current” has a half-hour interview with the man who sent that message, Leonard Kleinrock, distinguished professor of computer science at UCLA "The idea of the network was you could sit at one computer, log on through the network to a remote computer and use its services there," 50 years later, the internet has become so ubiquitous that it has almost been rendered invisible. There's hardly an aspect in our daily lives that hasn't been touched and transformed by it. Q: Take us back to that day 50 years ago. Did you have the sense that this was going to be something you'd be talking about a half a century later? A: Well, yes and no. Four months before that message was sent, there was a press release that came out of UCLA in which it quotes me as describing what my vision for this network would become. Basically what it said is that this network would be always on, always available. Anybody with any device could get on at anytime from any location, and it would be invisible. Well, what I missed ... was that this is going to become a social network. People talking to people. Not computers talking to computers, but [the] human element. Q: Can you briefly explain what you were working on in that lab? Why were you trying to get computers to actually talk to one another? A: As an MIT graduate student, years before, I recognized I was surrounded by computers and I realized there was no effective [or efficient] way for them to communicate. I did my dissertation, my research, on establishing a mathematical theory of how these networks would work. But there was no such network existing. AT&T said it won't work and, even if it does, we want nothing to do with it. So I had to wait around for years until the Advanced Research Projects Agency within the Department of Defence decided they needed a network to connect together the computer scientists they were supervising and supporting. Q: For all the promise of the internet, it has also developed some dark sides that I'm guessing pioneers like yourselves never anticipated. A: We did not. I knew everybody on the internet at that time, and they were all well-behaved and they all believed in an open, shared free network. So we did not put in any security controls. When the first spam email occurred, we began to see the dark side emerge as this network reached nefarious people sitting in basements with a high-speed connection, reaching out to millions of people instantaneously, at no cost in time or money, anonymously until all sorts of unpleasant events occurred, which we called the dark side. But in those early days, I considered the network to be going through its teenage years. Hacking to spam, annoying kinds of effects. I thought that one day this network would mature and grow up. Well, in fact, it took a turn for the worse when nation states, organized crime and extremists came in and began to abuse the network in severe ways. Q: Is there any part of you that regrets giving birth to this? A: Absolutely not. The greater good is much more important. News Roundup How to use blacklistd(8) with NPF as a fail2ban replacement (https://www.unitedbsd.com/d/63-how-to-use-blacklistd8-with-npf-as-a-fail2ban-replacement) blacklistd(8) provides an API that can be used by network daemons to communicate with a packet filter via a daemon to enforce opening and closing ports dynamically based on policy. The interface to the packet filter is in /libexec/blacklistd-helper (this is currently designed for npf) and the configuration file (inspired from inetd.conf) is in etc/blacklistd.conf Now, blacklistd(8) will require bpfjit(4) (Just-In-Time compiler for Berkeley Packet Filter) in order to properly work, in addition to, naturally, npf(7) as frontend and syslogd(8), as a backend to print diagnostic messages. Also remember npf shall rely on the npflog* virtual network interface to provide logging for tcpdump() to use. Unfortunately (dont' ask me why ??) in 8.1 all the required kernel components are still not compiled by default in the GENERIC kernel (though they are in HEAD), and are rather provided as modules. Enabling NPF and blacklistd services would normally result in them being automatically loaded as root, but predictably on securelevel=1 this is not going to happen. FreeBSD’s handbook chapter on blacklistd (https://www.freebsd.org/doc/en_US.ISO8859-1/books/handbook/firewalls-blacklistd.html) OpenBSD crossed 400,000 commits (https://marc.info/?l=openbsd-tech&m=157059352620659&w=2) Sometime in the last week OpenBSD crossed 400,000 commits (*) upon all our repositories since starting at 1995/10/18 08:37:01 Canada/Mountain. That's a lot of commits by a lot of amazing people. (*) by one measure. Since the repository is so large and old, there are a variety of quirks including ChangeLog missing entries and branches not convertible to other repo forms, so measuring is hard. If you think you've got a great way of measuring, don't be so sure of yourself -- you may have overcounted or undercounted. Subject to the notes Theo made about under and over counting, FreeBSD should hit 1 million commits (base + ports + docs) some time in 2020 NetBSD + pkgsrc are approaching 600,000, but of course pkgsrc covers other operating systems too How to Install Bolt CMS with Nginx and Let's Encrypt on FreeBSD 12 (https://www.howtoforge.com/how-to-install-bolt-cms-nginx-ssl-on-freebsd-12/) Bolt is a sophisticated, lightweight and simple CMS built with PHP. It is released under the open-source MIT-license and source code is hosted as a public repository on Github. A bolt is a tool for Content Management, which strives to be as simple and straightforward as possible. It is quick to set up, easy to configure, uses elegant templates. Bolt is created using modern open-source libraries and is best suited to build sites in HTML5 with modern markup. In this tutorial, we will go through the Bolt CMS installation on FreeBSD 12 system by using Nginx as a web server, MySQL as a database server, and optionally you can secure the transport layer by using acme.sh client and Let's Encrypt certificate authority to add SSL support. Requirements The system requirements for Bolt are modest, and it should run on any fairly modern web server: PHP version 5.5.9 or higher with the following common PHP extensions: pdo, mysqlnd, pgsql, openssl, curl, gd, intl, json, mbstring, opcache, posix, xml, fileinfo, exif, zip. Access to SQLite (which comes bundled with PHP), or MySQL or PostgreSQL. Apache with mod_rewrite enabled (.htaccess files) or Nginx (virtual host configuration covered below). A minimum of 32MB of memory allocated to PHP. hammer2 - Optimize hammer2 support threads and dispatch (http://lists.dragonflybsd.org/pipermail/commits/2019-September/719632.html) Refactor the XOP groups in order to be able to queue strategy calls, whenever possible, to the same CPU as the issuer. This optimizes several cases and reduces unnecessary IPI traffic between cores. The next best thing to do would be to not queue certain XOPs to an H2 support thread at all, but I would like to keep the threads intact for later clustering work. The best scaling case for this is when one has a large number of user threads doing I/O. One instance of a single-threaded program on an otherwise idle machine might see a slightly reduction in performance but at the same time we completely avoid unnecessarily spamming all cores in the system on the behalf of a single program, so overhead is also significantly lower. This will tend to increase the number of H2 support threads since we need a certain degree of multiplication for domain separation. This should significantly increase I/O performance for multi-threaded workloads. You know, we might as well just run every network service over HTTPS/2 and build another six layers on top of that to appease the OSI 7-layer burrito guys (http://boston.conman.org/2019/10/17.1) I've seen the writing on the wall, and while for now you can configure Firefox not to use DoH, I'm not confident enough to think it will remain that way. To that end, I've finally set up my own DoH server for use at Chez Boca. It only involved setting up my own CA to generate the appropriate certificates, install my CA certificate into Firefox, configure Apache to run over HTTP/2 (THANK YOU SO VERY XXXXXXX MUCH GOOGLE FOR SHOVING THIS HTTP/2 XXXXXXXX DOWN OUR THROATS!—no, I'm not bitter) and write a 150 line script that just queries my own local DNS, because, you know, it's more XXXXXXX secure or some XXXXXXXX reason like that. Sigh. Beastie Bits An Oral History of Unix (https://www.princeton.edu/~hos/Mahoney/unixhistory) NUMA Siloing in the FreeBSD Network Stack [pdf] (https://people.freebsd.org/~gallatin/talks/euro2019.pdf) EuroBSDCon 2019 videos available (https://www.youtube.com/playlist?list=PLskKNopggjc6NssLc8GEGSiFYJLYdlTQx) Barbie knows best (https://twitter.com/eksffa/status/1188638425567682560) For the #OpenBSD #e2k19 attendees. I did a pre visit today. (https://twitter.com/bob_beck/status/1188226661684301824) Drawer Find (https://twitter.com/pasha_sh/status/1187877745499561985) Slides - Removing ROP Gadgets from OpenBSD - AsiaBSDCon 2019 (https://www.openbsd.org/papers/asiabsdcon2019-rop-slides.pdf) Feedback/Questions Bostjan - Open source doesn't mean secure (http://dpaste.com/1M5MVCX#wrap) Malcolm - Allan is Correct. (http://dpaste.com/2RFNR94) Michael - FreeNAS inside a Jail (http://dpaste.com/28YW3BB#wrap) Send questions, comments, show ideas/topics, or stories you want mentioned on the show to feedback@bsdnow.tv (mailto:feedback@bsdnow.tv) Your browser does not support the HTML5 video tag.
Funny, true and scary at the same time. For those who wonder why they should diversify their retirement savings plans... Quote Q: What are banks for? A: To make money. Q: For the customers? A: For the banks. Q: Why doesn’t bank advertising mention this? A: It would not be in good taste. But it is mentioned by implication in references to reserves of $249,000,000,000 or thereabouts. That is the money they have made. Q: Out of the customers? A: I suppose so. Q: They also mention Assets of $500,000,000,000 or thereabouts. Have they made that too? A: Not exactly. That is the money they use to make money. Q: I see. And they keep it in a safe somewhere? A: Not at all. They lend it to customers. Q: Then they haven’t got it? A: No. Q: Then how is it Assets? A: They maintain that it would be if they got it back. Q: But they must have some money in a safe somewhere? A: Yes, usually $500,000,000,000 or thereabouts. This is called Liabilities. Q: But if they’ve got it, how can they be liable for it? A: Because it isn’t theirs. Q: Then why do they have it? A: It has been lent to them by customers. Q: You mean customers lend banks money? A: In effect. They put money into their accounts, so it is really lent to the banks. Q: And what do the banks do with it? A: Lend it to other customers. Q: But you said that money they lent to other people was Assets? A: Yes. Q: Then Assets and Liabilities must be the same thing? A: You can’t really say that. Q: But you’ve just said it! If I put $100 into my account the bank is liable to have to pay it back, so it’s Liabilities. But they go and lend it to someone else, and he is liable to have to pay it back, so it’s Assets. It’s the same $100 isn’t it? A: Yes, but…. Q: Then it cancels out. It means, doesn’t it, that banks haven’t really any money at all? A: Theoretically…… Q: Never mind theoretically! And if they haven’t any money, where do they get their Reserves of $249,000,000,000 or thereabouts?? A: I told you. That is the money they have made. Q: How? A: Well, when they lend your $100 to someone they charge him interest. Q: How much? A: It depends on the Bank Rate. Say five and a-half percent. That’s their profit. Q: Why isn’t it my profit? Isn’t it my money? A: It’s the theory of banking practice that……… Q: When I lend them my $100 why don’t I charge them interest? A: You do. Q: You don’t say. How much? A: It depends on the Bank Rate. Say a half percent. Q: Grasping of me, rather? A: But that’s only if you’re not going to draw the money out again. Q: But of course I’m going to draw the money out again! If I hadn’t wanted to draw it out again I could have buried it in the garden! A: They wouldn’t like you to draw it out again. Q: Why not? If I keep it there you say it’s a Liability. Wouldn’t they be glad if I reduced their Liabilities by removing it? A: No. Because if you remove it they can’t lend it to anyone else. Q: But if I wanted to remove it they’d have to let me? A: Certainly. Q: But suppose they’ve already lent it to another customer? A: Then they’ll let you have some other customers money. Q: But suppose he wants his too….and they’ve already let me have it? A: You’re being purposely obtuse. Q: I think I’m being acute. What if everyone wanted their money all at once? A: It’s the theory of banking practice that they never would. Q: So what banks bank on, is not having to meet their commitments? A: I wouldn’t say that. Q: Naturally. Well, if there’s nothing else you think you can tell me….? A: Quite so. Now you can go off and open a banking account! Q: Just one last question. A: Of course. Q: Wouldn’t I do better to go off and open up a bank
英文数学作业，还有自制太阳能炉烤棉花糖？中学里痛并快乐着。 Q: 大家好。For this week’s discussion, We will address studying related topics. L: Hi, XImalaya, this is Lindsay from NY again. Studying is challenging（挑战性）and can be tiring. But there are subjects that I do like, such as writing. Q: Has your teacher offered you an opportunity（机会） to write in class? L: Yes, for English, we were asked to write a spooky short story in honor of Halloween. I’m excited to do so, although i don’t have many ideas at this moment. But I have already started to draft out some plots and characters. I enjoy writing mystery stories. it provides room for exercising my imagination. Q: Halloween, 万圣节，在10/31日，这是小孩子们最喜欢的节日，为配合圣诞节，英文老师要他们写一个有关幽灵的神秘的故事。 Spooky就是有些神怪悬疑恐怖的那种感觉。Lindsay 最爱写作，准备大显身手。神秘，Mystery，是最好发挥想象力的题材。有关万圣节的内容我们下周节...
Hyperloop Transportation Technologies (Hyperloop TT) aspires to build 2,000 kilometers futuristic Hyperloop lines in China one day, says the firm's co-founder and chairman Bibop Gresta. "We are talking to five provinces right now. Guizhou is the first one we signed," Gresta told China Money Network during an interview on the sidelines of the Annual Meeting of the New Champions held by the World Economic Forum in Tianjin. https://youtu.be/Uw3a-Hi2yY8 Hyperloop TT has already sealed a deal with Guizhou province in China's southwestern region to build its first track in the country, the company said in an announcement two months ago. The deal marks the third commercial agreement for Hyperloop TT, following announcements on similar agreements in Abu Dhabi and Ukraine earlier in 2018. "In the future, we will not build, maintain or operate anything but act as a licensing company with enormous knowledge and intellectual property (IP) technologies," Gresta said. "In Guizhou, we are foreseeing a six-month feasibility study, and then 38 months to implement the first line. We are talking about an overview of a maximum of five years to add the first passenger in China. Then we are planning to roll out 2,000 kilometers in China." According to the People's Daily, the hyperloop project in Tongren, Guizhou province, is expected to cost about RMB10 billion (US$1.5 billion), covering a total distance of 60 kilometers (37.2 miles). The California-based Hyperloop TT focuses on building hyperloop systems enabling capsules to travel in a vacuum tube, an idea first proposed by technology magnate Elon Musk. The technology is said to be able to move capsules reaching speed of up to 1,223 kilometers per hour (760 mph). Hyperloop TT's ambitious plans in China comes at a time when the country is embroiled in a fierce trade war with the United States. The White House and U.S. President Donald Trump have repeatedly blamed China for unfair trade practices, IP infringements, and forced technology transfers. Gresta also discussed how his company deals with intellectual property protections when doing business in China. Read an interview Q&A below. Also subscribe to China Money Podcast for free in the iTunes store, or subscribe to our weekly newsletter. Q: For those who are not familiar, please give us a brief introduction of hyperloop Transportation Technologies? A: My company is the first company to bring Elon Musk's vision to travel inside a tube at the speed of sound into reality. Imagine putting a capsule full of people inside a tube, sucking the air out of the tube so there's no resistance, and you can move people from point A to point B at almost the speed of sound using a tiny fraction of energy. Sounds like science fiction but we are actually building it. Q: How much progress have you made in R&D? How ready is this technology now? A: We have finished all the testing and prototyping, and now construction has started. There is a big prototyping construction in Toulouse, France. It will be divided into two parts. One is 320 meters and the other is 1.4 kilometers. This is the certification track which will also be used to certify the technology. We have already started the development of the first commercial line in Abu Dhabi. Most recently, we signed a deal with the local government in Tongren City in Guizhou province to build the first commercial line in China. Q: Certainly, there is a lot of potential, but there are also lots of criticisms and questions about how the technology will be realistic in terms of costs and potential risks. One of those criticisms comes from the consideration for safety. Could you tell us a little bit about safety concerns and how do you plan to handle this issue? A: All the criticisms are based on the initial designs of the hyperloop. Nobody has really looked into what we are doing. The most important thing you have to understand about the hyperloop is that it is based o...
Allan Zeman is a tough interview. That is not only because the chairman of Lan Kwai Fong Group has been interviewed so many times that it's tough to find a new angle, but also because he's an expert in circling a question back to promote his business. As you listen to Zeman talk and see how his mind works, you understand how this man turned three short Chinese words into a formidable brand. If you are familiar with the father of Lan Kwai Fong, you know the self-made business tycoon has been a China bull forever. He is planning to open ten or even twenty (depending on which interview you read) Lan Kwai Fong centers in China over the next decade. That's a risky bet, considering the slowing Chinese economy and a decline of high-end spending. But Zeman believes his projects will be unique enough to stand out and attract consumers, even as most malls in China are likely to suffer in the coming years. We will wait to see how well Zeman's ambitious plans in China turn out. But I would advise on taking his success as a fact, because like he says, "I have always been a winner." Please read a Q&A of the interview, and don't forget to subscribe to China Money Podcast for free in the iTunes store, or subscribe to China Money Network weekly newsletters. You can also subscribe to China Money Podcast’s Youtube channel or Youku channel. Q: China's first tier cities have seen housing prices increase dramatically in the past few months. Does this concern you? A: Those cities have been going against the grain of the other (smaller) cities in China. But as we have seen in Hong Kong, New York, London, if prices get too high, eventually there must be a correction. Beijing is looking at instituting some measures to slow down the rise, which I think will happen. Beijing understands that if prices get too far out of whack, they have to do something to look after everyone. Q: Do you see a price correction this year? A: Within a year, I would predict there could be (a correction), but it won't be a dramatic correction. Perhaps a correction of around 5%. Long term, (housing prices in) first tier cities will continue to be strong. To me, I look at (owning a property in those cities) as putting money into the bank. You don't have to worry for the long term. Q: For smaller cities in China, the so-called second and third or fourth tier cities, how bad is the oversupply problem? My own brother and sister live in a third tier city in China, and each of them own three to four apartments. It can't be sustainable? A: The oversupply problem is very serious. But this is not limited to real estate. There is oversupply in probably every commodity, as the previous administration kept people working to support employment. It will take a number of years for oversupply to work its way down. We were just visiting our Wuxi project, meeting with the Party Secretary there, who told us the area we are focusing on has seen housing prices escalating lately. So, certain areas will manage to attract people as urbanization in China continues. Also, Beijing has implemented policies to slow down the construction of new property projects. Q: For places that can't attract people, a famous Chinese real estate tycoon Ren Zhiqiang has suggested that they should be demolished? A: No, that's not the answer. Potentially, the government can buy some of the property to lease out as low-cost housing, or the government can buy it as long-term investments and slowly sell them off. The Chinese government still have a lot of reserves and resources to manage the problem. Q: Now let's move onto commercial property. I read when you first saw the design of the LKF Haikou project, you didn't really like it and made some changes. What did you change? A: We had our in-house architecture team work with the project to improve on many things. You must think from the customer's perspective: How do you get them to the second floor,
ADRIAN HOUR on: Facebook: https://www.facebook.com/infoadrianhour SoundCloud: https://soundcloud.com/adrianhour HOW I MET THE BASS on: - Facebook: https://www.facebook.com/howimetthebass - Twitter: https://twitter.com/howimetthebass - Mixcloud: https://www.mixcloud.com/HowIMetTheBass 3 QUESTIONS to ADRIAN HOUR: Q: You are living in Argentina. Are there any plannings to move to Europe because of the music? A: Yes, I'm from Argentina and currently thinking about moving to Europe contastly. The reason is because most of the labels, managers, agencys and friend producers are from there, so I need to do it for my career. It is not easy leaving family, girlfriend and friends to focus 100% on my job and what I love too! Q: For most of the people inside our scene you are “The man of the HOUR” – what´s the secret behind your name – if there is a secret? Haha that´s a funny question, but to be honest it is an stupid story. When I started playing in my duo called "2Robots" alongside my big friend Nicolas Chamorro, I always picked him up before any gig from his home, I was always so on time with anything. Sometimes it is a positive characteristic and sometimes not at all, I know. And the other reason is because my real name is Adrian Agüero, so Nicolas called me "Agüero" sounding like "Hour" and kidding me cause I was so annoying about the time. Q: You´ve got releases on Toolroom & Suara – what can we expect soon? Oh yes!! My latest release was on Suara with four original tracks that I've been working all these months, having an amazing reaction from followers and reaching the whole ep on Techno Top 100 on Beatport. So the next one is one of the biggest releases at the moment - in collaboration with Mark Knight on Toolroom. Then another two big collaborations will be with two amazing producers (it is a secret, haha)
Ep#18: Orna Ross and Joanna Penn answer members' questions on writing, publishing and promoting books. Here’s the questions posed to Orna and Joanna this month: Q: How should authors deal with lines from songs… what is fair use? Q: For a 1st time self-publishers, how many months out should you advertise your first release Q: How can I boost my sales? Releasing a new book in January with a preorder in October. First book didn’t do well, how can I promote my second book better? Q: Why aren’t my keywords working for me? Interested in Joining ALLi? Our weekly Self-Publishing Advice broadcast is brought to you by ALLi, the Alliance of Independent Authors. This Member Self-Publishing Q&A is one of four regular shows, which include a more advanced salon, a beginners' salon and a special guest highlight presentation from the Indie Author Fringe, ALLi’s free online author conference. Find more author advice, tips and tools at our self-publishing advice center, www.selfpublishingadvice.org. And, if you haven’t already, we invite you to join our organization and become a self-publishing ally. You can do that at www.allianceindependentauthors.org. Now, go write and publish. About your hosts Joanna Penn is a New York Times and USA Today bestselling thriller author, as well as writing non-fiction for authors. She is also a professional speaker and entrepreneur, voted as one of The Guardian UK Top 100 creative professionals 2013. She spent 13 years as a business IT consultant in large corporations across the globe before becoming a full-time author-entrepreneur in September 2011. Connect with Joanna on Twitter @thecreativepenn Orna Ross launched the Alliance of Independent Authors at the London Book Fair in 2012. Her work for ALLi has seen her named as one of The Bookseller’s “100 top people in publishing”. She also publishes poetry, fiction and nonfiction, and is greatly excited by the democratising, empowering potential of author-publishing. Connect with Orna on Twitter @OrnaRoss
In this episode of China Money Podcast, guest Tim Draper, founder and managing director of Menlo Park, California-based venture capital firm Draper Fisher Jurvetson (DFJ), speaks with our host Nina Xiang about the history of DFJ's investment activities in China, where he is focused on funding the next big tech companies, his big misses in China, and his views on the next tech bubble that he thinks is coming right now. Read an excerpt below, but be sure to listen to the full interview in audio or watch an abbreviated video version. Don't forget to subscribe to the podcast in the iTunes store. Q: Let's start with the Macro. Investors, particularly foreign investors, have been concerned about an economic slowdown in China. Do you share that sentiment? A: Even an economic slowdown in China means a growth rate much higher than most of the world. So I'm not concerned at all about a slight lowering of the Chinese growth rate. I actually think that the Chinese economy is one of the most promising in the world. Q: DFJ is closing down its China and India offices. Why? A: We found that we are better off working with affiliates in these countries, rather than (running) DFJ company owned (operations). We have DFJ Dragon, DFJ Compass and DFJ ePlanet in China. We found that trying to make decisions on companies that far away was a very difficult process. We want more local control, so that the local partners can make decisions. DFJ is still very active in China (through our affiliates). It's just that we've made a shift in strategy to make decision-making more local. This does not impact any of our global network (funds), including DFJ Dragon and DFJ Compass. Q: DFJ first entered the Chinese market in 1999 with a partnership with ePlanet Capital, running a US$650 million fund. How did that fund get started? A: I have always wanted to invest in China. In the beginning, we invested in things that seemed to have good government connections. Those didn't work out. Then we started to invest in young, driven entrepreneurs who wanted to make great things happen. Then we invested in Baidu, Focus Media, ePay, Fastweb, Skype, etc. Q: This fund reportedly realized over 30% gross internal rate of return (IRR)? A: We never disclose this information. But the investors are very happy. The IRR would depend on when the investor sold their Baidu (stocks). If they are still holding (those shares), they are doing really, really well. Q: But DFJ ended the partnership, and started DFJ Dragon in 2006. Why did you move on with another partner? A: We had different approaches to venture capital. ePlanet went on to raise their own fund, and we set up DFJ Dragon, DFJ China and DFJ Compass. Q: DFJ Dragon's first fund was a US$200 million vehicle raised in 2006… A: No, it's less than that. Q: Less than US$200 million, and you invested in around 30 companies. What are some proud investments from that fund? Q: YeePay looks very promising. Hudong is exciting too. It's a for-profit Wikipedia in China. Also, advertising network for mobile Donson is growing very quickly too. What's really remarkable about that fund is that…here in Silicon Valley, if we invest in 30 companies, we would expect about half of them to go out of business. But DFJ Dragon only lost one, maybe two companies out of 30. Q: Why do you think that is? A: For one thing, the growth rate in China is providing great opportunities. If their business isn't quite working out, they might change direction a little bit and go after other opportunities. Q: For those companies that didn't work out, what went wrong? A: They tend to be either too early, the founders didn't get along, or they came up with their product and nobody wanted it. So our business is very simple. If the founders are getting along, they keep at it no matter what, don't run out of money, and find a market of customers who they can delight,
In this episode of China Money Podcast, guest Thomas Hugger, CFO of Leopard Capital, a private equity firm focused on investing in Asian frontier markets, discusses the successes and failures of his firm's investments in Cambodia, the impact on frontier markets from a slowing Chinese economy, and why frontier markets offer better risk-return profiles than emerging markets. Listen to the full interview in the audio podcast, watch the shortened video version or read an excerpt. Q: First give us a brief introduction of Leopard Capital? A: Leopard Capital was founded in 2008. Our general goal is to make private equity investments in frontier markets. We've raised two funds so far. In March 2008, we raised our first private equity fund to invest in Cambodia. Another fund was raised to invest in Haiti. We are hoping to launch two additional funds to invest in Bangladesh and Bhutan this year. We've met hundreds of potential institutional investors or high-net-worth individuals. They are extremely interested in Asian frontier markets, but they are concerned to invest their money for ten years in a private equity fund in a single country like Cambodia. They want more diversification and more liquidity. So earlier this year, we launched a fund to invest in listed equities in Asian frontier markets, including Cambodia, Bangladesh, Laos, Vietnam, Sri Lanka, Pakistan, Mongolia, Papua New Guinea, and Myanmar. This is our Leopard Asia Frontier Fund, which I manage at the moment. Q: How much capital do you have in these funds? A: The Cambodia fund has US$34 million. The Haiti fund has US$20 million. For Leopard Asia Frontier Fund, we start with money from family and friends, and we are going on road shows to raise more money. At the moment, we are at US$2 million. Q: There is certainly lots of interest in frontier markets now. When you talk to potential investors, what's the biggest concern that they have? A: Their biggest concern is liquidity and execution of investments. Their question is: Are these countries ready for private equity investments? We try to tell them that it's possible to make private equity investments in these markets. For our Cambodia fund, we are in our fourth year. We are fully invested and had two exits. So we are convinced that it's possible. Q: Can you give us more background on the two exits you achieved in Cambodia? A: One is a pre-IPO deal in Laos (Cambodia funds normally invest in the Mekong region). We invested a couple of months before an electricity stock was listed. The other is a structured deal in a telecommunications company in Cambodia, which is supposed to run for two years, but we exited at one year and three months. We source these deals through our own relationships. We have about 20 shareholders in Leopard Capital. Our chairman is Marc Faber. So we get a lot of referrals. Q: For the Cambodia investment, how did you exit, exactly? A: In this particular case, the deal was financed by a Chinese bank. There are a lot of interests from the Chinese on Cambodia's telecommunications sector. In general, when we invest, we don't assume we can exit through an IPO. We will normally do a trade sale. Q: What kind of deal volume is there every year in these markets? How does valuation compare with other markets like China and India? A: Don't forget our fund is only US$34 million. We want to have a diversified portfolio, not only by industries, but also by investment styles. The average deal size is anywhere from US$1 million to US$5 million. And it's 100% our own equity. It's difficult to compare valuations because some of our investments in Cambodia are bordering venture capital. Some are green field projects (meaning you start a business on a green field where nothing is there). We did one mineral water project and one beer brewery called Kingdom Beer in Cambodia. We also invested in a very small microfinance company when everyone was chasing Indian microfi...
In this episode of China Money Podcast, guest Fritz Demopoulos, founder of Queen's Road Capital, shares his thoughts on China's Internet sector and entrepreneurship. As founder of two successful Chinese Internet companies, Shawei.com and Qunar.com, Demopoulos is now hoping to capture the next big opportunity in China's Internet evolution by deploying his own capital. Listen to the full interview in the audio podcast, watch the shortened video version or read an excerpt. Q: Last time when we talked, it was five years ago during the early days of your last start-up Qunar.com. This time around, you just founded Queen's Road Capital. What's your strategy and targeted industry? A: It's my personal investment vehicle that I use to invest in early stage companies. I try to focus on media and Internet companies, including consumer Internet, consumer facing models, and e-commerce related companies that are creating market places, that are thinking about how to deliver advertising better and more targeted (products and services) to consumers, as well as mobile consumer opportunities. Q: Any examples of companies that you have invested in? A: I'm an investor in a company called Wodache, a ride-share company. Everyone knows in the major cities of China, there are lots of traffic and it's very difficult to get a taxi. This company helps consumers to share cars through a mobile platform. It provides very strong functional value, so I'm very excited about it. Q: You were a successful entrepreneur before. Now you are an investor. Does the change of role make you think differently when looking at a start-up? A: Many investors are entrepreneurs and many entrepreneurs are investors. When I was an entrepreneur, I was always thinking about investing, and vice versa. So it's a constantly revolving door. Q: For those areas that you mentioned previously as places you look at intensely for investments, what specific elements do you try to find in a start-up that can lead to success? A: At least for me, the last thing I want to do is be where everyone else is. I always wanted to be the first within a category. You can't underestimate the value and advantage that a first-mover has. The team and concept is just a little bit down the learning curve than everyone else. Secondly, the team has to be completely focused on what they do. We need to see that the management teams and founders have skin in the game. Have they invested their own money? Have they given up other opportunities? Have they convinced their families and friends to invest? Thirdly, it's important that the founding teams understand their limitations. If they understand what they do well and what you are not good at, then they can simply hire the missing pieces. In terms of technology, clearly we live in a mobile world. Very rapidly, we are seeing the rise of mobile commerce, e-commerce, real transactions happening online, not just an order entry but proper payment processing all the way up to fulfillment. It is all about being able to present great product information to consumers in innovative ways that meets their specific needs. That entire chain is undergoing a significant revolution, especially with mobile and social media elements. Q: You are investing in early stage companies. What kind of failure rate do you expect? A: China is different because with a small amount of capital, you can survive for a long time. You give 20 companies a couple of million dollars a piece, they are going to last for five or six years even if those models haven't been successful. I'm not sure if that's the right way to look at it. If failure means going bankrupt, not many companies go bankrupt because you can last for a long time in creative ways in China. Q: You have been involved in the Internet sector in China for a long time. How do you make of the fact that the Chinese Internet space is so much more fragmented than in the West, where Yahoo,
http://www.youtube.com/watch?v=lAIsTn6zIhc&feature=plcp In this episode of China Money Podcast, guest Nick Cao, China head of investment and capital transaction at Knight Frank, discusses China's commercial property sector, which has gone through an explosive growth phase after early 2010, when home buyer restriction policies dragged down the residential property market. Q: Since the government launched home buyer restrictions, the commercial property sector has been going rapidly. Some are concerned about a bubble. Are you? A: It depends. I would say China's commercial property sector is still less developed than the residential side. We see two different groups in the commercial sector. One is the large developers in China, such as China Resources and China COSCO. They moved into commercial properties before the tightening measure was initiated. But the other group is forced into the commercial sector because their residential sales have stalled. And they operate the commercial sector as if they are still running residential properties. Lots of these (commercial properties) are poorly designed. Some of them are in tier two and tier three cities. Take the city of Shenyang. There are oversupply issues. We see ten large shopping malls within two kilometer distance. So that’s scary and there are a lot of concerns for investors. But, overall I wouldn’t say it’s a bubble because in China, there still lacks good quality shopping malls (in many cities). Q: For the past few years, the transaction volume in commercial property has doubled. Do you see that continue? A: I would say, yes. Because China's economy is moving from manufacturing-based to services-based, so this generates stronger demand for office space. Some international firms are expanding into second tier cities in China, which requires high quality office space. Also, the government is promoting domestic consumption. That’s demanding more retail shopping malls. Moreover, the insurance industry in China is just allowed to invest in commercial real estate so (investment) demand will still be quite high. Q: We have seen residential property prices double in the space of one to two years. Will the same happen in commercial property? A: No, I don’t think it’s going to happen that fast. It’s all case-by-case. For example, if there were two shopping malls next to each other, their prices would move very differently (depending on how well they are managed). Q: But we often read reports on ghost shopping malls across China. It seems as if you still believe that the fundamentals of commercial real estate is strong demand driving up supply? A: When you talk about ghost shopping malls, you still have to look at it case by case. In China's tier two and tier three cities, it’s still very hard to find good quality shopping malls. Yes, there are lots of them that are vacant. But that's because the developers don’t know how to run a successful shopping mall. Q: So where do you see attractive investment opportunities in the property sector right now? A: It’s mostly still in tier one and tier two cities. In tier one cities (Beijing and Shanghai), the problems are that supplies are limited. As we know, foreign investors are not allowed to buy assets. They can only buy offshore equity, and those have already been acquired by investors already. Most of the opportunities are available in second tier cities. There is very limited competition in the retail sector. If you have strong capabilities in running a retail mall, there are great opportunities. But of course, In China, the leasing term, general market practice and the tenants are very different. so foreign investors really need strong local partners to succeed. Q: So, how much price appreciation do you see in commercial real estate? A: For retail properties, you can get eight percent yield on retail properties in good locations. Q: Now, for local investors,
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