Podcasts about Ras

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Latest podcast episodes about Ras

NEJM This Week — Audio Summaries
NEJM This Week — December 1, 2022

NEJM This Week — Audio Summaries

Play Episode Listen Later Nov 30, 2022 33:57


Featuring articles on RAS inhibition in advanced chronic kidney disease, buprenorphine versus methadone in pregnancy, iron chelation for Parkinson's disease, training to prevent crashes in teens with ADHD, and on prolonging cellular life after hypoxic death; a review article on infantile and childhood hydrocephalus; a Clinical Problem-Solving on hiding in plain sight; and Perspective articles on the perpetual challenge of infectious diseases, on prescribing opioids for pain, on the White House Conference on Hunger, Nutrition, and Health, and on injustice disorder.

Drew and Sam Talk Training
Episode 66: Telling Ain't Training and Questioning IS Coaching

Drew and Sam Talk Training

Play Episode Listen Later Nov 29, 2022 26:03


The boys share more of their exploits in Salt Lake City. They talk about the power and terror of observational coaching. Timing… so important! Do you have a support human? The  RAS comes back in to the conversation (Thanks Mel Robbins!). Wabbit hunting again? Is Drew Elmer Fudd? We learn some fishing tips and tell you how to avoid malpractice! Share these with your friends! Subscribe and enjoy!

Mindset Hackers Podcast
Do This To Wire Your Brain For Happiness & Success!

Mindset Hackers Podcast

Play Episode Listen Later Nov 28, 2022 23:42


Mindset Hacker! I hope you had a great Thanksgiving because that's what we are going to be talking about today! On this episode we are going to talk about the neuroscience of Gratitude and how and why it can shapes your future in a beautiful way and taps you in for success! If you have a practice of gratitude and sit down every day and spend some time meditating or writing down what it is you are grateful for, and put your full attention on it, it should trigger a feeling in your body. The feeling of gratitude in your body is serotonin, and it feels amazing. So, the thought/intention, creates the feeling (serotonin) in your body. Do this long enough and 3 cool things are happening: 1) You are wiring the neurons in your mind to fire in a more efficient pattern making it automatic to look for things to be grateful for. You start to think differently. 2) Your RAS (reticular activating system) is the part of your brain that filters out the crazy huge amount of data that you absorb and deliver what is most important to your conscious mind. The RAS starts getting trained to widen your awareness and you see things you didn't see before (opportunity, people, tools, skills)! 3) The cells in your body start to get used to more serotonin and even CRAVE it when you don't have it, making you agitated and pushes you without you realizing it to do what you need to do to get into the state of happiness.

Hizmetten
İmkan ve servet zehirlenmesi... | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Nov 28, 2022 6:18


“Allah'a yemin ederim ki, ben sizin fakr u zarurete düşmenizden endişe duymuyorum. Fakat…” * Aşere-i Mübeşşere'den Ebu Ubeyde b. Cerrah (radıyallahu anh) Bahreyn'den çok miktarda mal getirdiğinde Ashâb-ı Kirâm'dan bazıları, ondan pay almak için beklerken, Rasûl-ü Ekrem Efendimiz (sallallâhu aleyhi ve sellem), mealen şöyle buyurmuştu: “Allah'a yemin ederim ki, ben sizin fakr u zarurete düşmenizden endişe duymuyorum. Ben asıl, sizden evvelkilerin sahip olduğu gibi geniş imkânlara sahip olmanız ve onların birbirini çekemeyip, rekâbet edip helâk olmaları gibi sizin de birbirinize haset edip helâk olmanızdan korkuyorum.” * Evet, çok mal elde etme arzusu, bu konuda kıskançlık duygusu ve rekabet hissi de insanın manevi hayatını tehdit eden bir zehirdir. İnsanı öyle bir zehirler ki, artık o kimse himmetini bütünüyle ona sarf eder; tabii onun dışındaki bütün değerlere de sırtını döner. Müslümanlara karşı sırtını dönme.. dine, imana hizmet edenlere karşı sırtını dönme.. milletin ikbal bayrağını sağda solda dalgalandırmaya karşı sırtını dönme.. hatta sırtını dönme şöyle dursun, kinle nefretle üzerlerine yürüme, o insanın hali olur ki bütün bunlar öyle bir zehirlenmenin sonucudur. * Servet edinme düşüncesi, mal mülk arzusu ve para hırsı tarih boyu insanların büyük çoğunluğunun en ciddi zaaflarından biri olmuştur. Allah Rasûlü (sallallâhu aleyhi ve sellem) bir hadis-i şeriflerinde bu hakikati şu ifadeleriyle beyan buyurur: “ Ademoğlunun bir (diğer rivayette iki) vadi dolusu altını olsa bir vadi daha ister, onun ağzını topraktan başka bir şey doldurmaz, gözünü doyurmaz. Şu kadar var ki, Allah tevbe edenin tevbesini kabul buyurur.” Evet, doyma bilmeyen bir hırsla sürekli daha fazlasını isteme ve her şeyi ele geçirme gayreti içine girme çoğunluğun zaafı olan bir husustur. Esasında toplumdaki pek çok kavga ve çatışmanın arkasında da böyle bir menfaat yarışı yer almaktadır. Sabır; hem zirve insanların hâli hem de zirveleşme yolunda olanların güç kaynağıdır. * İbn-i Hacer el-Askalânî hazretlerinin “Münebbihât” adlı eserinde, Hazreti Ali'ye (radıyallâhu anh) isnat edilen şu hakikatler dünyanın cazibedar güzelliklerine aldanmamayı ve hep akıbet endişesiyle yaşamayı gerektirmektedir: يَا مَنْ بِدُنْيَاهُ اشْتَغَلْ قَدْ غَرَّهُ طُولُ الْأَمَلْ أَوَلَمْ يَزَلْ فِي غَفْلَةٍ حَتَّى دَنَا مِنْهُ الْأَجَلْ اَلْمَوْتُ يَأْتِي بَغْتَةً وَالْقَبْرُ صُنْدُوقُ الْعَمَلْ اِصْبِرْ عَلَى أَهْوَالِهَا لَا مَوْتَ إِلَّا بِالْأَجَلْ “Ey dünya meşgaleleriyle oyalanan zavallı! Upuzun bir ömür ümidiyle hep aldandın! Yetmez mi artık bunca gaflet ve umursamazlığın? Zira bak, yaklaştı ötelere yolculuk zamanın! Unutma, ölüm çıkıp gelir bir gün ansızın! Seni bekliyor kabir, o ki amel sandığın. Öyleyse, dünyanın sıkıntı ve belâlarından sabra sığın! Bilesin ki ecel gelmeden gerçekleşmez ölüm ayrılığın!” * Bir sabır çeşidi de, mubah çerçevede görünse bile dünyanın cazibedar güzelliklerine karşı sabırdır. Evet, dünya göz kamaştırıcı şualarıyla gözümüzün içine yöneldiği zaman, ona karşı kararlı ve dimdik durabilme de çetin sabırlardan bir tanesidir.

The Simple Handicap
Wednesday November 23rd, 2022 - NFL Odds, Picks and Analysis

The Simple Handicap

Play Episode Listen Later Nov 23, 2022 16:29


Free Thanksgiving Props Service at RAS: https://raspicks.com/picks   Join The Simple Handicap Telegram Channel here: https://t.me/+ByNAj_cW_EdjZmIx

Hizmetten
”Zira sen cisminle değil kalbinle/ruhunla insansın” | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Nov 22, 2022 7:17


Bu video 31/07/2016 tarihinde yayınlanan “SABRIN KADARSIN!..” isimli bamtelinden alınmıştır. Tamamı burada: https://youtu.be/x5_osG7oVCs “Allah'a yemin ederim ki, ben sizin fakr u zarurete düşmenizden endişe duymuyorum. Fakat…” * Aşere-i Mübeşşere'den Ebu Ubeyde b. Cerrah (radıyallahu anh) Bahreyn'den çok miktarda mal getirdiğinde Ashâb-ı Kirâm'dan bazıları, ondan pay almak için beklerken, Rasûl-ü Ekrem Efendimiz (sallallâhu aleyhi ve sellem), mealen şöyle buyurmuştu: “Allah'a yemin ederim ki, ben sizin fakr u zarurete düşmenizden endişe duymuyorum. Ben asıl, sizden evvelkilerin sahip olduğu gibi geniş imkânlara sahip olmanız ve onların birbirini çekemeyip, rekâbet edip helâk olmaları gibi sizin de birbirinize haset edip helâk olmanızdan korkuyorum.” * Evet, çok mal elde etme arzusu, bu konuda kıskançlık duygusu ve rekabet hissi de insanın manevi hayatını tehdit eden bir zehirdir. İnsanı öyle bir zehirler ki, artık o kimse himmetini bütünüyle ona sarf eder; tabii onun dışındaki bütün değerlere de sırtını döner. Müslümanlara karşı sırtını dönme.. dine, imana hizmet edenlere karşı sırtını dönme.. milletin ikbal bayrağını sağda solda dalgalandırmaya karşı sırtını dönme.. hatta sırtını dönme şöyle dursun, kinle nefretle üzerlerine yürüme, o insanın hali olur ki bütün bunlar öyle bir zehirlenmenin sonucudur. * Servet edinme düşüncesi, mal mülk arzusu ve para hırsı tarih boyu insanların büyük çoğunluğunun en ciddi zaaflarından biri olmuştur. Allah Rasûlü (sallallâhu aleyhi ve sellem) bir hadis-i şeriflerinde bu hakikati şu ifadeleriyle beyan buyurur: “Âdemoğlunun bir (diğer rivayette iki) vadi dolusu altını olsa bir vadi daha ister, onun ağzını topraktan başka bir şey doldurmaz, gözünü doyurmaz. Şu kadar var ki, Allah tevbe edenin tevbesini kabul buyurur.” Evet, doyma bilmeyen bir hırsla sürekli daha fazlasını isteme ve her şeyi ele geçirme gayreti içine girme çoğunluğun zaafı olan bir husustur. Esasında toplumdaki pek çok kavga ve çatışmanın arkasında da böyle bir menfaat yarışı yer almaktadır. Sabır; hem zirve insanların hâli hem de zirveleşme yolunda olanların güç kaynağıdır. * İbn-i Hacer el-Askalânî hazretlerinin “Münebbihât” adlı eserinde, Hazreti Ali'ye (radıyallâhu anh) isnat edilen şu hakikatler dünyanın cazibedar güzelliklerine aldanmamayı ve hep akıbet endişesiyle yaşamayı gerektirmektedir: “Ey dünya meşgaleleriyle oyalanan zavallı! Upuzun bir ömür ümidiyle hep aldandın! Yetmez mi artık bunca gaflet ve umursamazlığın? Zira bak, yaklaştı ötelere yolculuk zamanın! Unutma, ölüm çıkıp gelir bir gün ansızın! Seni bekliyor kabir, o ki amel sandığın. Öyleyse, dünyanın sıkıntı ve belâlarından sabra sığın! Bilesin ki ecel gelmeden gerçekleşmez ölüm ayrılığın!” * Bir sabır çeşidi de, mubah çerçevede görünse bile dünyanın cazibedar güzelliklerine karşı sabırdır. Evet, dünya göz kamaştırıcı şualarıyla gözümüzün içine yöneldiği zaman, ona karşı kararlı ve dimdik durabilme de çetin sabırlardan bir tanesidir.

Monitor Mondays
Swimming Among Sharks in a Sea of Turmoil: 2022 Audit Landscape

Monitor Mondays

Play Episode Listen Later Nov 21, 2022 31:23


Most healthcare providers are swimming in shark-infested waters these days, ever-watchful for dorsal fins that signal imminent danger.  At first there were the Recovery Auditors (RAs), created by the Centers for Medicare & Medicaid Services (CMS), to correct Medicare billing submitted by providers for services rendered to Medicare beneficiaries. And now, nearly two decades later, the RAs have been joined by several other auditors, and healthcare has quickly become a dangerous and expensive environment, especially given a new breed of sharks: the Medicare Advantage Organizations (MAOs), whose primary mission is to save money by denying claims in the name of compliance.Join us next Monday for another live edition of the long-running Monitor Mondays Internet broadcast for a news round-up, and to learn of more lurking dangers and how to protect your facility's revenue while remaining compliant, even amid all the turmoil.Other segments will include these instantly recognizable broadcast features:OIG Report: Monitor Monday's own physician and attorney, Dr. John K. Hall, will report on the U.S. Department of Health and Human Services (HHS) Office of Inspector General (OIG) audit of critical care billing at Leahy Clinic in Boston. If you have an ICU, you will need to hear his report.The RAC Report: Healthcare attorney Knicole Emanuel, partner at the law firm of Practus, will report the latest news about auditors.Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Bryon, will join the broadcast with his trademark segment.SDoH Report: Marie Stinebuck, COO of Phoenix Medical Management, Inc, will report on the news that's happening at the intersection of healthcare regulations and the SDoH. Monday Rounds: Ronald Hirsch, MD, vice president of R1 RCM, will be making his Monday Rounds with another installment of his popular segment.Legislative Update: Adam Brenman, Federal Legislative Analyst for Zelis, will report on current healthcare legislation.

Lužifčák podcast
Lužifčák #174 Rasťo Chvála

Lužifčák podcast

Play Episode Listen Later Nov 16, 2022 164:01


Od dnes, ako prví, a zatiaľ jediní na slovensku, máme video podcast priamo na spotify a vy si môžete počas počúvania prepnúť na video a jednoducho pokračovať priamo v aplikácii. Poskytovaná kvalita spotify nieje taká dobrá, ako na youtube, preto pre lepší zážitok odporúčam pozrieť youtube. Rasťo je motoristický žurnalista, pretekár, multinásobný otec a veľmo fasa chalan. Celé video môžete vidieť na https://youtu.be/KgvWyxTAIlU Shareujte, lajkujte, podporte nás na patreone. Zaslúžime si to. Teda ak chcete. ❤️▶▶▶ https://www.patreon.com/luzifcak Pripadne nás môžete pozvať na kávu na https://www.buymeacoffee.com/luzifcak Môžete nás podporiť aj kúpou Merchu ►►► https://Luzifcak.com Všetky dôležité odkazy nájdete aj na linku ►►► https://luzifcak.bio.link Náš dnešný hosť je: https://www.instagram.com/garaz.tv UPOZORNENIE: Toto je komediálny podcast dvoch komikov, ktorí sa niekedy viac a niekedy menej úspešne snažia každú situáciu premeniť na vtip a nenavádzajú nikoho na nič nesprávne. Všetko, čo je v ňom povedané, je humor a nemalo by byť brané doslova alebo nebodaj vážne. Obsahuje vulgarizmy, satiru a zvieratá chované v zajatí. Akákoľvek podobnosť postáv z našich príbehov so živými je čisto náhodná. Sledujte len po dovŕšení dospelosti alebo so súhlasom rodičov. V prípade výpadku celkovej kamery môže fotosenzitívnym ľuďom spôsobovať epileptický záchvat, vegánom zvracanie, mäsožravcom hlad a národovcom svrbenie. Kubov hlas môže vyvolať rezonovanie stredného ucha. Vlastne by to nemal pozerať nikto.

Monitor Mondays
Winds of Change in the South: No Jubilee with Cotiviti

Monitor Mondays

Play Episode Listen Later Nov 14, 2022 32:24


Along the gulf shores of Mobile Bay in Alabama, at the crack of dawn you might hear shouts of jubilation from early risers there to witness flounder, soft-shell blue crabs, and gulf shrimp beach themselves due to the upward movement of oxygen-deprived bottom waters. The aftermath is a bounty of seafood on the sandy beaches, and hence the local dish known as “jubilee.”Yet when it comes to local healthcare providers dealing with the Recovery Auditor (RA) Cotiviti, there is no jubilance – as you will hear Jennifer Bartlett explain during the next live edition of Monitor Mondays. Bartlett will report on the difficulty she and her team, along with other providers, face as they cope with the vagaries of one of the largest of the RAs in the U.S. Other segments will include these instantly recognizable broadcast features:The RAC Report: Healthcare attorney Knicole Emanuel, partner at the law firm of Practus, will report the latest news about auditors.Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Bryon, will join the broadcast with his trademark segment.SDoH Report: Tiffany Ferguson, a subject matter expert on the social determinants of health (SDoH), will report on the news that's happening at the intersection of healthcare regulations and the SDoH.Monday Rounds: Ronald Hirsch, MD, vice president of R1 RCM, will be making his Monday Rounds with another installment of his popular segment.Legislative Update: Cate Brantley, legislative affairs analyst for Zelis, will report on current healthcare legislation.The AnyQuestion App: Stop searching.... start asking.Ask a question, and get video answers from Experts in Health & Wellness, Sports, and more!

Net 7: Exceptional Life
Filter For Your Brain – Reticular Activating System

Net 7: Exceptional Life

Play Episode Listen Later Nov 10, 2022 10:51 Transcription Available


In this episode John explains that he recently took an extensive course on NLP – neurolinguistic programming. It's the science and how you say things. And as part of the science, John learned more about the reticular activating system. That's the filter for the brain. And here's what's interesting. At any second, when you are awake you have 2 million bits of information coming at you. 2 million every second. But your brain can only process 116 bits of information per second. So the brain needs a filter. It needs a nightclub bouncer to determine what gets in and what doesn't get in. And what your RAS let's in is based on what you tell it is important to you. In this podcast John and Kelly explain a powerful concept. That what you let into your consciousness determines the person you become. That would make sense. But most people are not giving their RAS a clear understanding of what's important. Therefore things get into their consciousness that are not helpful. In this podcast John mentions that people's fears are important to them. Therefore if they embrace those fears they will bring more into their consciousness. If they have addictions, those are important people. And more that will be brought into their consciousness. Towards the end of the podcast John and Kelly discuss their 12 minute day technique that gives their reticular activating system immense clarity regarding what's important. And how powerful it is when you combine the use of that 12 minute day technique to control one's unconscious daily actions.About the Hosts:John MitchellJohn's story is pretty amazing. After spending 20 years as an entrepreneur, John was 50 years old but wasn't as successful as he thought he should be. To rectify that, he decided to find the “top book in the world” on SUCCESS and apply that book literally Word for Word to his life. That Book is Think & Grow Rich. The book says there's a SECRET for success, but the author only gives you half the secret. John figured out the full secret and a 12 minute a day technique to apply it.When John applied his 12 minute a day technique to his life, he saw his yearly income go to over $5 million a year, after 20 years of $200k - 300k per year. The 25 times increase happened because John LEVERAGED himself by applying science to his life.His daily technique works because it focuses you ONLY on what moves the needle, triples your discipline, and consistently generates new business ideas every week. This happens because of 3 key aspects of the leveraging process.John's technique was profiled on the cover of Time Magazine. He teaches it at the University of Texas' McCombs School of Business, which is one the TOP 5 business schools in the country. He is also the “mental coach” for the head athletic coaches at the University of Texas as well.Reach out to John at john@thinkitbeit.comLinkedIn: https://www.linkedin.com/in/john-mitchell-76483654/ Kelly HatfieldKelly Hatfield is an entrepreneur at heart. She believes wholeheartedly in the power of the ripple effect and has built several successful companies aimed at helping others make a greater impact in their businesses and lives.She has been in the recruiting, HR, and leadership development space for over 25 years and loves serving others. Kelly, along with her amazing business partners and teams, has built four successful businesses aimed at matching exceptional talent with top organizations and developing their leadership. Her work coaching and consulting with companies to develop their leadership teams, design recruiting and retention strategies, AND her work as host of Absolute Advantage podcast (where she talks with successful entrepreneurs, executives, and thought...

Hizmetten
“Hele bir kere daha imanınızı yenileyin!” | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Nov 10, 2022 4:20


Bu video 17/11/2019 tarihinde yayınlanan "CANLI İRADELER VE SİNERJİ" isimli bamtelinden alınmıştır. Tamamı burada: https://www.ozgurherkul.org/bamteli/b... Farklı vesilelerle bir araya gelmeleriniz hem sinerjiye vesile oluyor ve kuvve-i maneviyeyi güçlendiriyor hem müzakereler sayesinde derinleşmeye kapı aralıyor hem de yenilenme ihtiyacını karşılıyor. Bir taraftan bu yaptığınız şeyler, çok önemli; diğer yandan da yapılan şeyler diğer insanlara kuvve-i maneviye oluyor. Mesela çok sarsık bir hayat yaşıyorum ben şu anda da. Yaralıyor beni o arkadaşlarımızın, binlerce yüz binlerce arkadaşımızın hayattan tecrîd edilmesi, mahrumiyete mahkûm edilmesi. Her gün öyle bir şey ile yaralanıyorum yeniden. Hazreti Hamza'nın bağrına yediği mızrak gibi bağrıma bir mızrak yemiş gibi bir kere daha inliyorum; çok ağırıma gidiyor. Gecelerim bunun ile kirleniyor. “Kirleniyor” mu diyeyim, yoksa bir yönüyle “Beni hasta hale getiriyor.” falan mı diyeyim?!. Ama hani bunlar meselenin bir yanı, insanî olma yanı. Duyuyorsunuz bunları; duymamak da bir yönüyle belki kabalık sayılır. Fakat bunlar, hiçbir zaman bizi bir ye'se, bir inkisara, “Artık bir şey yapamıyoruz!” duygusuna atmamalı, itmemeli. Hakikaten bir uçuruma, Ashâb-ı Uhdûd gibi uçurumun kenarına götürseler yine de ye'se düşmemeli!.. Orada hani o minnacık çocuk kucağında bir kadını da atacaklar, “Niye sen bu dine girdin?!” diye. İttiriyorlar kadını; kadın direniyor. Çocuğa bakıyor, çocuk sahipsiz kalacak diye düşünüyor. Üç tane çocuğun bebekken konuştuğundan bahsedilir, onlardan bir tanesi de odur. “Anne, at” diyor, “Korkma!” diyor, “At kendini!” diyor. Bunun üzerine kadın, Cenâb-ı Hakk'ın teminatına kendini salıyor.. Siz böyle bir araya gelince, böyle konuşunca, ben muvakkaten oksijen yudumluyor gibi oluyorum, hakikaten. Muvakkaten kendimden sıyrılıyorum, böyle. Siz olamam da kat'iyyen fakat siz oluyor ve rahatlıyorum böyle; sizin içinizde kendimi hissediyor ve rahatlıyorum, Allah'ın izni-inayeti ile. Bu mesele, sürekli o metafizik gerilimi koruma adına çok önemli bir şey; buna dikkat etmek lazım. O bir araya gelme de esasen o sinerjiyi meydana getiriyor. Mesela, burada bazen şöyle oluyor: Arkadaşlardan birisi namaz kıldırıyor orada, hislerine yenik düşüyor, bir ağlıyor, bir sinerji meydana getiriyor ki, saflarda ağlama meydana geliyor. Ha, ben bunu değişik yerlerde de gördüm; o camilerde, o gençlerin, kalabalık gençlerin beş-on tanesinin orada hıçkırıklara boğulması karşısında, bütün cami hıçkırıkla inliyordu. Zannediyorum çoklarınız herhalde muttalisiniz. Dolayısıyla bir de öyle bir sinerjiye sebebiyet verecek, o bir araya gelmeler. Bir de bir araya geldiğimizde mutlaka kitap okuma mevzuuna yönelmek lazım; mesela Risaleleri okumak lazım bu mevzuda. Bizim için hakikaten kuvve-i maneviyemizi takviye edecek, ümit gücümüzü güçlendirecek şeyleri müzakere etmek lazım. Bazı arkadaşlarımızın bu mevzuda fevkalade fedakârlıklarını anlatmak lazım; mesela, tek başına gitmiş, bir ülkeyi -Allah'ın izni ve inayeti ile- ayaklandırmış gibi bir şey oluyor. Bütün bunlar… Her zaman böyle bir beslenmeye ihtiyacımız var. Onun için Kur'an-ı Kerim, Sahabe-i kirama bile, يَا أَيُّهَا الَّذِينَ آمَنُوا آمِنُوا بِاللهِ وَرَسُولِهِ “Ey iman edenler! Allah'a ve Rasûlü'ne iman edin.” (Nisa, 4/136) “Hele bir kere daha imanınızı yenileyin!” diyor. Üstadımız da bir yerde bunu serlevha yapıyor: جَدِّدُوا اِيمَانَكُمْ بِـ”لاَ اِلَهَ اِلاَّ اللّٰهُ “İmanınızı ‘Lâ ilâhe illâllah' ile yenileyiniz.” Sürekli imanı yenilemeye ihtiyacımız var; değişik faktörleri, değişik argümanları, değişik delilleri değerlendirerek sürekli iman adına hep canlı kalmamız lazım.

The Football Analytics Show by The Power Rank and Ed Feng
Edward Golden on NFL, college basketball betting

The Football Analytics Show by The Power Rank and Ed Feng

Play Episode Listen Later Nov 3, 2022 50:29


Edward Golden, the founder of Right Angle Sports (RAS), joins the show for a wide ranging conversation. RAS is one of the only pick selling services with a long term track record of winning and honesty. Highlights include: How Edward built up RAS (7:15). His approach to handicapping sports (15:00). A week 9 NFL bet he likes (16:40). College basketball betting (20:58). How to run a picks service so that customers can get down (27:30). How he balances betting with the service (32:13). How the betting world has changed with legalization in the US (39:30). The Football Analytics Show is presented by The Power Rank, a site devoted to predictive analytics for football betting. To get the free sports betting newsletter, click here: https://thepowerrank.com/ Support the podcast: https://www.patreon.com/footballanalytics For week 9 of the 2022 NFL season, there is a new patron only episode that digs into my research on NFL metrics and uses this to break down Green Bay and Tampa Bay.

ASCO Daily News
Novel Therapies Targeting KRAS in Lung Cancer & RAS-altered Tumors

ASCO Daily News

Play Episode Listen Later Nov 3, 2022 28:33


Dr. Vamsi Velcheti and Dr. Benjamin Neel, of the NYU Langone Perlmutter Cancer Center, and Dr. John Heymach, of MD Anderson Cancer Center, discuss new therapeutic approaches for KRAS-mutant lung cancers and therapy options for RAS-altered tumors.   TRANSCRIPT Dr. Vamsidhar Velcheti: Hello, I'm Dr. Vamsidhar Velcheti, your guest host for the ASCO Daily News podcast today. I'm the medical director of the Thoracic Oncology Program at Perlmutter Cancer Center at NYU Langone Health. I'm delighted to welcome two internationally renowned physician-scientists, Dr. John Heymach, the chair of Thoracic-Head & Neck Medical Oncology at the MD Anderson Cancer Center, and my colleague, Dr. Benjamin Neel, the director of the Perlmutter Cancer Center at NYU Langone Health, and professor of Medicine at NYU Grossman School of Medicine. So, we'll be discussing new therapeutic approaches today for KRAS-mutant lung cancers, and we will talk about emerging new targeted therapy options for RAS-altered tumors. Our full disclosures are available in the show notes, and the disclosures of all the guests of the podcast can be found on our transcript at: asco.org/podcast. Dr. Heymach and Dr. Neel, it's such a great pleasure to have you here for the podcast today. Dr. John Heymach: My pleasure to be here. Dr. Benjamin Neel: Same here. Dr. Vamsidhar Velcheti: Dr. Neel, let's start off with you. As you know, RAS oncogenes were first discovered nearly four decades ago. Why is RAS such a challenging therapeutic target? Why has it taken so long to develop therapeutic options for these patients? Dr. Benjamin Neel: Well, I think a good analogy is the difference between kinase inhibitors and RAS inhibitors. So, kinase inhibitors basically took advantage of an ATP-binding pocket that's present in all kinases, but is different from kinase to kinase, and can be accessed by small molecule inhibitors. So, the standard approach that one would've thought of taking, would be to go after the GTP-binding pocket. The only problem is that the affinity for binding GTP by KRAS is three to four orders of magnitude higher. So, actually getting inhibitors that are GTP-binding inhibitors is pretty much very difficult. And then, until recently, it was felt that RAS was a very flat molecule and there weren't any surfaces that you could stick a small molecule inhibitor in. So, from a variety of biochemical and medicinal-pharmacological reasons, RAS was thought to be impervious to small molecule development. But as is often the case, a singular and seminal insight from a scientist, Kevan Shokat, really broke the field open, and now there's a whole host of new approaches to trying to drug RAS. Dr. Vamsidhar Velcheti: So, Dr. Neel, can you describe those recent advances in drug design that have enabled these noble new treatments for KRAS-targeted therapies? Dr. Benjamin Neel: So, it starts actually with the recognition that for many years, people were going after the wrong RAS. And by the wrong RAS, the overwhelming majority of the earlier studies on the structure, and for that matter, the function of RAS centered on HRAS or Harvey RAS. We just mutated in some cancers, most prominently, bladder cancer, and head & neck cancer, but not on KRAS, which is the really major player in terms of oncogenes in human cancer. So, first of all, we were studying the wrong RAS. The second thing is that we were sort of thinking that all RAS mutants were the same. And even from the earliest days, back in the late eighties, it was pretty clear that there were different biochemical properties in all different RAS mutants. But this sort of got lost in the cause and in the intervening time, and as a result, people thought all RASes were the same and they were just studying mainly G12V and G12D, which are more difficult to drug. And then, the third and most fundamental insight was the idea of trying to take advantage of a particular mutation in KRAS, which is present in a large fraction of lung cancer patients, which is, KRAS G12C. So, that's a mutation of glycine 12 to cysteine and Kevan's really seminal study was to use a library of covalently adducting drugs, and try to find ways to tether a small molecule in close enough so that it could hit the cysteine. And what was really surprising was when they actually found the earliest hits with this strategy, which was actually based on some early work by Jim Wells at Sunesis in the early part of this century, they found that it was actually occupying the G12C state or the inactive state of RAS. And this actually hearkens back to what I said earlier about all RASes being the same. And in fact, what's been recently re-appreciated is that some RAS mutants, most notably, G12C, although they're impervious to the gap which converts the active form into the inactive form, they still have a certain amount of intrinsic ability to convert from the inactive form. And so, they always cycle into the inactive form at some slow rate, and that allows them to be accessed by these small molecules in the so-called Switch-II Pocket, and that enables them to position a warhead close enough to the cysteine residue to make a covalent adduct and inactivate the protein irreversibly. Scientists at a large number of pharmaceutical companies and also academic labs began to understand how to access various other pockets in RAS, and also even new strategies, taking advantage of presenting molecules to RAS on a chaperone protein. So, there's now a whole host of strategies; you have a sort of an embarrassment of riches from an impoverished environment that we started with prior to 2012. Dr. Vamsidhar Velcheti: Thank you, Dr. Neel. So, Dr. Heymach, lung cancer has been a poster child for personalized therapy, and we've had like a lot of FDA-approved agents for several molecularly-defined subsets of lung cancer. How clinically impactful is a recent approval of Sotoracib for patients with metastatic lung cancer? Dr. John Heymach: Yeah. Well, I don't think it's an exaggeration to say this is the biggest advance for targeted therapies for lung cancer since the initial discovery of EGFR inhibitors. And let me talk about that in a little more detail. You know, the way that lung cancer therapy, like a lot of other cancer therapies, has advanced is by targeting specific driver oncogenes. And as Dr. Neel mentioned before, tyrosine kinases are a large percentage of those oncogenes and we've gotten very good at targeting tyrosine kinases developing inhibitors. They all sort of fit into the same ATP pocket, or at least the vast majority of them now. There are some variations on that idea now like allosteric inhibitors. And so, the field has just got better and better. And so, for lung cancer, the field evolved from EGFR to ALK, to ROS1 RET fusions, MEK, and so forth. What they all have in common is, they're all tyrosine kinases. But the biggest oncogene, and it's about twice as big as EGFR mutation, are KRAS mutations. And as you mentioned, this isn't a tyrosine kinase. We never had an inhibitor. And the first one to show that it's targetable, to have the first drug that does this, is really such an important breakthrough. Because once the big breakthrough and the concept is there, the pharmaceutical companies in the field can be really good at improving and modulating that. And that's exactly what we see. So, from that original insight that led to the design of the first G12C inhibitors, now there's dozens, literally dozens of G12C inhibitors and all these other inhibitors based on similar concepts. So, the first one now to go into the clinic and be FDA-approved is Sotoracib. So, this again, as you've heard, is inhibitor G12C, and it's what we call an irreversible inhibitor. So, it fits into this pocket, and it covalently links with G12C. So, when it's linked, it's linked, it's not coming off. Now, the study that led to its FDA approval was called the CodeBreak 100 study. And this was led in part, by my colleague Ferdinandos Skoulidis, and was published in The New England Journal in the past year. And, you know, there they studied 126 patients, and I'll keep just a brief summary, these were all refractory lung cancer patients. They either had first-line therapy, most had both chemo and immunotherapy. The primary endpoint was objective response rate. And for the study, the objective response rate was 37%, the progression-free survival was 6.8 months, the overall survival was 12.5 months. Now you might say, well, 37%, that's not as good as an EGFR inhibitor or the others. Well, this is a much harder thing to inhibit. And you have to remember in this setting, the standard of care was docetaxel chemotherapy. And docetaxel usually has a response rate of about 10 to 13%, progression-free survival of about 3 months. So, to more than double that with a targeted drug and have a longer PFS really is a major advance. But it's clear, we've got to improve on this and I think combinations are going to be incredibly important now. There's a huge number of combination regimens now in testing. Dr. Vamsidhar Velcheti: Thank you, Dr. Heymach. So, Dr. Neel, just following up on that, unlike other targeted therapies in lung cancer, like EGFR, ALK, ROS, and RET, the G12C inhibitors appear to have somewhat modest, I mean, though, certainly better than docetaxel that Dr. Heymach was just talking about; why is it so hard to have more effective inhibitor of KRAS here? Is it due to the complex nature of RAS-mutant tumors? Or is it our approach for targeting RAS? Is it a drug-related problem, or is it the disease? Dr. Benjamin Neel: Well, the short answer is I think that's a theoretical discussion at this point and there isn't really good data to tell you, but I suspect it's a combination of those things. We'll see with the new RAS(ON) inhibitors, which seem to have deeper responses, even in animal models, if those actually work better in the clinic, then we'll know at least part of it was that we weren't hitting RAS hard enough, at least with the single agents. But I also think that it's highly likely that since KRAS-mutant tumors are enriched in smokers, and smokers have lots of mutations, that they are much more complex tumours, and therefore there's many more ways for them to escape. Dr. Vamsidhar Velcheti: Dr. Heymach, you want to weigh in on that? Dr. John Heymach: Yeah, I think that's right. I guess a couple of different ways to view it is the problem that the current inhibitors are not inhibiting the target well enough, you know, in which case we say we get better and better inhibitors will inhibit it more effectively, or maybe we're inhibiting it, but we're not shutting down all the downstream pathways or the feedback pathways that get turned on in response, in which case the path forward is going to be better combinations. Right now, I think the jury is still out, but I think the data supports that we can do better with better inhibitors, there's room to grow. But it is also going to be really important hitting these compensatory pathways that get turned on. I think it's going to be both, and it seems like KRAS may turn on more compensatory pathways earlier than things like EGFR or ALK2, you know, and I think it's going to be a great scientific question to figure out why that is. Dr. Vamsidhar Velcheti: Right. And just following up on that, Dr. Heymach, so, what do we know so far about primary and acquired resistance to KRAS G12C inhibitors? Dr. John Heymach: Yeah. Well, it's a great question, and we're still very early in understanding this. And here, if we decide to call it primary resistance - meaning you never respond in the first place, and acquired - meaning you respond and then become resistant, we're not sure why some tumors do respond and don't respond initially. Now, it's been known for a long time, tumors differ in what we call their KRAS-dependence. And in cell lines and in mouse models, when you study this in the lab, there are some models where if you block KRAS, those cells will die immediately. They are fully dependent. And there's other ones that become sort of independent and they don't really seem to care if you turn down KRAS, they've sort of moved on to other things they're dependent on. One way this can happen is with undergoing EMT where the cell sort of changes its dependencies. And EMT is probably a reason some of these tumors are resistant, to start with. It may also matter what else is mutated along with KRAS, what we call the co-mutations, the additional mutations that occur along with it. For example, it seems like if this gene KEAP1 is mutated, tumors don't respond as well, to begin with. Now, acquired resistance is something we are gaining some experience with. I can say in the beginning, we all knew there'd be resistance, we were all waiting to see it, and what we were really hoping for was the case like with first-generation inhibitors with EGFR, where there was one dominant mechanism. In the first-generation EGFR, we had one mutation; T790M, that was more than half the resistance. And then we could develop drugs for that. But unfortunately, that's not the case. It looks like the resistance mechanisms are very diverse, and lots of different pathways can get turned on. So, for acquired resistance, you can have additional KRAS mutations, like you can have a KRAS G12D or V, or some other allele, or G13, I didn't even realize were commonly mutated, like H95 or Y96 can get mutated as well. So, we might be able to inhibit with better inhibitors. But the more pressing problem is what we call bypass; when these other pathways get turned on. And for bypass, we know that the tumor can turn on MET with MET amplification, NRAS, BRAF, MAP kinase, and we just see a wide variety. So, it's clear to us there isn't going to be a single easy to target solution like there was for EGFR. This is going to be a long-term problem, and we're going to have to work on a lot of different solutions and get smarter about what we're doing. Dr. Vamsidhar Velcheti: Yeah. Thank you very much, Dr. Heymach. And Dr. Neel, just following up on that, so, what do you think our strategies should be or should look like while targeting KRAS-mutant tumors? Like, do we focus on better ways to inhibit RAS, or do we focus on personalized combination approaches based on various alterations or other biomarkers? Dr. Benjamin Neel: Yeah. Well, I'd like to step back a second and be provocative, and say that we've been doing targeted therapies, so to speak, for a long time, and it's absolutely clear that targeted therapies never cure. And so, I think we should ask the bigger question, "Why is it that targeted therapies never cure?" And I would start to conceive of an answer to that question by asking which therapies do cure. And the therapies that we know do cure are immune therapies, or it's therapies that generate durable immune response against the tumor. And the other therapies that we know that are therapies in some cases against some tumors, and radiation therapy in some cases against some tumors. Probably the only way that those actually converge on the first mechanism I said that cures tumors, which is generating a durable immune response. And so, the only way, in my view, it is to durably cure an evolving disease, like a cancer, is to have an army that can fight an evolving disease. And the only army I know of is the immune system. So, I think ultimately, what we need to do is understand in detail, how all of these different mutations that lead to cancer affect immune response and create targetable lesions in the immune response, and then how the drugs we'd give affect that. So, in the big picture, the 50,000-foot picture, that what we really need to spend more attention on, is understanding how the drugs we give and the mutations that are there in the first place affect immune response against the tumor, and ultimately try to develop strategies that somehow pick up an immune response against the tumor. Now in the short run, I think there's also lots of combination strategies that we can think of, John, you know, alluded to some of them earlier. I mean one way for the G12C inhibitors, getting better occupancy of the drug, and also blocking this so-called phenomenon of adaptive resistance, where you derepress the expression of receptor tyrosine kinases, and their ligands, and therefore bypass through normal RAS or upregulate G12C into the GTP state more, that can be attacked by combining, for example, with the SHIP2 inhibitor or a SOS inhibitor. Again, the issue there will be therapeutic index. Can we achieve that with a reasonable therapeutic index? Also in some cases, like not so much in lung cancer, but in colon cancer, it appears as if a single dominant receptor tyrosine kinase pathway, the EGF receptor pathway, is often the mechanism of adaptive resistance to RAS inhibitors, and so, combining a RAS inhibitor with an EGF receptor inhibitor is a reasonable strategy. And then of course, some of the strategies they're already getting at, what I just mentioned before, which is to try to combine RAS inhibitors with checkpoint inhibitors. I think that's an expected and understandable approach, but I think we need to get a lot more sophisticated about the tumor microenvironment, and how that's affecting the immune response. And it's not just going to be, you know, in most cases combining with a checkpoint inhibitor. I think we ought to stop using the term immunotherapy to refer to checkpoint inhibitors. Checkpoint inhibitors are one type of immunotherapy. We don't refer to antibiotics when we mean penicillin. Dr. Vamsidhar Velcheti: Dr. Heymach, as you know, like, there's a lot of discussion about the role of KRAS G12C inhibitors in the frontline setting. Do you envision these drugs are going to be positioning themselves in the frontline setting as a combination, or like as a single agent? Are there like a subset of patients perhaps where you would consider like a single agent up front? Dr. John Heymach: So, I think there's no question G12C inhibitors are moving to the first-line question. And the question is just how you get there. Now, the simplest and most straightforward approach is to say, “Well, we'll take our standard and one standard might be immunotherapy alone, a PD-1 inhibitor alone, or chemo with the PD-1 inhibitor, and just take the G12C inhibitor and put it right on top.” And that's a classic strategy that's followed. That may not be that simple. It's not obvious that these drugs will always work well together or will be tolerated together. So, I think that's still being worked out. Now, an alternative strategy is you could say, “Well, let's get a foot in a door in the first-line setting by finding where chemotherapy and immunotherapy don't work well, and pick that little subgroup.” There are some studies there using STK11-mutant tumors, and they don't respond well to immunotherapy and chemotherapy and say, “Well, let's pick that first.” And that's another strategy, but that's not to get it for everybody in the first-line setting. That's just to pick a little subgroup. Or we may develop KRAS G12C inhibitor combinations by themselves that are so effective they can beat the standard. So, what I think is going to happen is a couple things; I think they'll first be some little niches where it gets in there first. I think eventually, we'll figure out how to combine them with chemotherapy and immunotherapy so it goes on top. And then I think over time, we'll eventually develop just more effective, targeted combos where we can phase out the chemo, where the chemo goes to the back of the line, and this goes to the front of the line. Dr. Vamsidhar Velcheti: And Dr. Heymach, any thoughts on the perioperative setting and the adjuvant/neoadjuvant setting, do you think there's any role for these inhibitors in the future? Dr. John Heymach: Yeah, this is a really exciting space right now. And so that makes this a really challenging question because of how quickly things are moving. I'll just briefly recap for everybody. Until recently, adjuvant therapy was just chemotherapy after you resected a lung cancer. That was it. And it provided about a 5% benefit in terms of five-year disease-free survival. Well, then we had adjuvant immunotherapy, like atezolizumab, approved, then we had neoadjuvant chemo plus immunotherapy approved; that's a CheckMate 816. And just recently, the AEGEAN study, which I'm involved with, was announced to be a positive study. That's neoadjuvant plus adjuvant chemo plus immunotherapy. So now, if you say, well, how are you going to bring a G12C inhibitor in there? Well, you can envision a few different ways; if you can combine with chemo and immunotherapy, you could bring it up front and bring it afterwards, or you could just tack it in on the back, either with immunotherapy or by itself, if you gave neoadjuvant chemo plus immunotherapy first, what we call the CheckMate 816 regimen. So, it could fit in a variety of ways. I'll just say neoadjuvant is more appealing because you can measure the response and see how well it's working, and we in fact have a neoadjuvant study going. But the long-term benefit may really come from keeping the drug going afterwards to suppress microscopic metastatic disease. And that's what I believe is going to happen. I think you're going to need to stay on these drugs for a long while to keep that microscopic disease down. Dr. Vamsidhar Velcheti: Dr. Neel, any thoughts on novel agents in development beyond KRAS G12C inhibitors? Are there any agents or combinations that you'd be excited about? Dr. Benjamin Neel: Well, I think that the YAP/TAZ pathway inhibitors, the TEAD inhibitors in particular, are potentially promising. I mean, it seems as if the MAP kinase pathway and the GAPT pathway act in parallel. There's been multiple phases which suggest that YAP/TAZ reactivation can be a mechanism of sort of state-switching resistance. And so, I think those inhibitors are different than the standard PI3 kinase pathway inhibitor, PI3 kinase mTOR inhibitor, rapamycin. I also think as we've alluded to a couple of times, the jury's still out in the clinic, of course, but it'll be very exciting to see how this new set of RAS inhibitors works. The sort of Pan-RAS inhibitors, especially the ones that hit the GTP ON state. So, the G12C inhibitors and the initial preclinical G12D inhibitors that have been recorded, they all work by targeting the inactive state of RAS, the RAS-GDP state. And so, they can only work on mutants that cycle, at least somewhat, and they also don't seem to be as potent as targeting the GTP or active state of RAS. And so, at least the Rev meds compounds, which basically use cyclophilin, they basically adapt the mechanism that cyclosporine uses to inhibit calcineurin. They basically use the same kind of a strategy and build new drugs then that bind cyclophilin and present the drug in a way that can inhibit multiple forms of RAS. So, it'll be interesting to see if they are much more efficacious in a clinic as they appear to be in the lab, whether they can be tolerated. So, I think those are things to look out for. Dr. Vamsidhar Velcheti: Dr. Heymach? Dr. John Heymach: Yeah, I agree with that. I'm excited to see that set of compounds coming along. One of the interesting observations is that when you inhibit one KRAS allele like G12C, you get these other KRAS alleles commonly popping up. And it's a little -- I just want to pause for a second to comment on this, because this is a little different than EGFR. If you inhibit a classic mutation, you don't get multiple other separate EGFR alleles popping up. You may get a secondary mutation in cyst on the same protein, but you don't get other alleles. So, this is a little different biology, but I think the frequency that we're seeing all these other KRAS alleles pop up tells us, I think we're going to need some pan-KRAS type strategy as a partner for targeting the primary driver. So for example, a G12C inhibitor plus a pan-KRAS strategy to head off these other alleles that can be popping up. So, I think that's going to be probably a minimum building block that you start putting other things around. And by partnering an allele-specific inhibitor where you might be able to inhibit it a little more potently and irreversibly with a pan-KRAS, you may solve some of these problems at the therapeutic window. You can imagine KRAS is so important for so many different cells in your body that if you potently inhibit all KRAS in your body, bad things are likely to happen somewhere. But if you can potently inhibit the mutant allele and then dampen the other KRAS signaling that's popping up, it's more hopeful. Dr. Benjamin Neel: There is a mouse model study from Mariano Barbacid's lab, which suggests that postnatal, KRAS at least, complete inhibition is doable. So, you could take out KRAS postnatally and the mice are okay. Whether that translates to human of course, is not at all clear. And you still have the other RAS alleles, the HRAS, the NRAS that you'd still have to contend with. Dr. John Heymach: Yeah, it's an interesting lesson. We've shied away from a lot of targets we thought weren't feasible. I did a lot of my training with Judah Folkman who pioneered targeting angiogenesis. And I remember hearing this idea of blocking new blood vessels. I said, "Well, everyone is just going to have a heart attack and die." And it turns out you can do it. You have to do it carefully, and in the right way but you can separate malignant or oncogenic signaling from normal signaling in an adult, pretty reasonably in a lot of cases where you don't think you could. Dr. Vamsidhar Velcheti: All right. So, Dr. Neel, and Dr. Heymach, any final closing comments on the field of RAS-targeted therapies, you know, what can we hope for? What can patients hope for, let's say five years from now, what are we looking at? Dr. John Heymach: Well, I'll give my thoughts I guess first, from a clinical perspective, I think we're already seeing the outlines of an absolute explosion in targeting KRAS over the next five years. And I think there's a really good likelihood that this is going to be the major place where we see progress, at least in lung cancer, over these next five years. It's an example of a problem that just seemed insolvable for so long, and here I really want to acknowledge the sustained support for clinical research and laboratory research focused around RAS. You know, the NCI had specific RAS initiatives and we've had big team grants for KRAS, and it shows you it's worth these large-scale efforts because you never know when that breakthrough is going to happen. But sometimes it just takes, you know, opening that door a little bit and everybody can start rushing through. Well, I think for KRAS, the door has been opened and everybody is rushing through at a frantic rate right now. So, it's really exciting, and stay tuned. I think the landscape of RAS-targeting is going to look completely different five years from now. Dr. Benjamin Neel: So, I agree that the landscape will definitely look different five years from now, because it's reflective of stuff that's been in process for the last five years. And it takes about that long to come through. I want to make two comments; one of which is to slightly disagree with my friend, John, about these big initiatives. And I would point out that this RAS breakthrough did not come from a big initiative, it came from one scientist thinking about a problem uniquely in a different way. We need a basic science breakthrough, it almost always comes from a single lab person, thinking about a problem, often in isolation, in his own group. What big initiatives can help with is engineering problems. Once you've opened the door, and you want to know what the best way is to get around the house, then maybe big initiatives help. But I do think that there's been too much focus on the big team initiative and not enough on the individual scientists who often promote the breakthrough. And then in terms of where I see the field going, what I'd really like to see, and I think in some pharmaceutical companies and biotechs, you're seeing this now, and also in academia, but maybe not enough, is that sort of breaking down of the silos between immunotherapy and targeting therapy. Because I agree with what John said, is that targeted therapy, is just sophisticated debulking. If we want to really make progress-- and on the other hand, immunotherapy people don't seem to, you know, often recognize that these oncogenic mutations in the tumor actually affect the immune system. So, I think what we need is a unification of these two semi-disparate areas of therapeutics in a more fulsome haul and that will advance things much quicker. Dr. Vamsidhar Velcheti: Thank you both, Dr. Neel and Dr. Heymach, for sharing all your valuable insights with us today on the ASCO Daily News podcast. We really appreciate it. Thank you so much. Dr. John Heymach: Thanks for asking us. Dr. Benjamin Neel: It's been great having us. Dr. Vamsidhar Velcheti: And thank you all to our listeners, and thanks for joining us today. If you value our insights that you hear on the ASCO Daily News podcast, please take a moment to rate, review and subscribe. Disclaimer: The purpose of this podcast is to educate and to inform. This is not a substitute for professional medical care and is not intended for use in the diagnosis or treatment of individual conditions. Guests on this podcast express their own opinions, experience, and conclusions. Guest statements on the podcast do not express the opinions of ASCO. The mention of any product, service, organization, activity, or therapy, should not be construed as an ASCO endorsement. Follow today's speakers: Dr. Vamsi Velcheti @VamsiVelcheti Dr. Benjamin Neel @DrBenNeel Dr. John Heymach Want more related content? Listen to our podcast on novel therapies in lung cancer.    Advances in Lung Cancer at ASCO 2022 Follow ASCO on social media: @ASCO on Twitter ASCO on Facebook ASCO on LinkedIn Disclosures: Dr. Vamsi Velcheti: Honoraria: Honoraria Consulting or Advisory Role: Bristol-Myers Squibb, Merck, Foundation Medicine, AstraZeneca/MedImmune, Novartis, Lilly, EMD Serono, GSK, Amgen Research Funding (Inst.): Genentech, Trovagene, Eisai, OncoPlex Diagnostics, Alkermes, NantOmics, Genoptix, Altor BioScience, Merck, Bristol-Myers Squibb, Atreca, Heat Biologics, Leap Therapeutics, RSIP Vision, GlaxoSmithKline Dr. Benjamin Neel: None disclosed Dr. John Heymach: None disclosed    

The Plough and Stars
New England Starbucks Unionizing Interviews

The Plough and Stars

Play Episode Listen Later Nov 1, 2022 53:21


In this episode Nice Judeo Bolshevik interviews folks trying to unionize Starbucks restaurants in the New England area.You can find the Plough and Stars on Twitter @ploughandstars. You can @ us, or send us a DM. We are also on twitter, and our handle is @nicejudeobolsh. We also have a redbubble where you can find Plough and Stars and RAS merch at redbubble.com/people/ploughandstars/shop. Finally, if you have an interest in the larger party we are affiliated with, the Party for Reclamation and Survival, you can contact us at reclamation (dot) and (dot) survival (at) protonmail (dot) com. RAS has an archive.org page set up where you can read various party publications. That site is archive.org/details/@reclaim_survive. Lastly, if you want to support the party overall, you can find our Ko-Fi account at ko-fi.com/rasredaid. In multiple locations across the country we have comrades out meeting with and feeding the masses, and doing the work. Speaking of which, while it is extremely important to learn the theory, that means nothing if you are not following through with the work. So we would encourage you to first reach out, get involved, and then come back and listen.End song is 'Union Maid' by Woodie GuthrieSupport the show

Hizmetten
“Senin urban, numarası-drobu itibariyle sana uymadı!” | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Oct 27, 2022 8:38


Bu video 28/08/2016 tarihinde yayınlanan "EZİYETLER, HÜZÜN VE İLAHÎ EMİRLER" isimli bamtelinden alınmıştır. Tamamı burada: https://www.ozgurherkul.org/bamteli/b... Rasûl-i Ekrem (sallallâhu aleyhi ve sellem) Efendimiz, mahiyet ve şahsiyeti itibariyle fevkalade duyarlıydı; hem menfi hem müspet hadiseleri çok derinden duyuyordu. Ayrıca, O (sallallâhu aleyhi ve sellem) izzet, sabır ve hilm gibi sıfatları en mükemmel şekilde temsil ediyordu. Bu iki hususa rağmen, Cenâb-ı Hak, O'na, “Onların lafları seni üzmesin.” (Yûnus, 10/65); “Onların söylediklerine karşı sabret, onlardan güzel bir tavırla uzak dur!” (Müzzemmil, 73/10); “Sen af ve müsamaha yolunu tut, iyiliği emret, cahillere aldırış etme!” (A'râf, 7/199) buyuruyor. Bu emirler Efendimiz'e ne ifade ediyordu, bugün de bize neler ifade etmeli? CEVAP: Estağfirullah… Meseleyi -min gayri haddin- dar idrak, iz'an ve kavrayışımla ifade edecek olursak: Birinci husus: Yüksek bir donanıma sahip Allah Rasûlü (sallallâhu aleyhi ve sellem).. Türkçemize geçmiş ve Türkçeleşmiş bir kelime var, “onur” dediğimiz şey. O, büyük insanlarda ziyadesiyle mevcuttur. Onlarda o izzet, o itibar, o şeref, o onur duygusunun içtenleştirilmesi söz konusudur. Yani bir sinek bile gözlerinin önünde terbiyesizce uçsa, ondan bile rencide olurlar. Evvelâ o tabiat zarafeti, o tabiat inceliği, o “melekleşme” göz önünde bulundurulmalı. Ne gibi? Hazreti Cebrail'e kalkıp deseler ki “Sen biriyle bohemlikte bulunmuşsun!” Estağfirullah… Nefyederken bile söylemekten hicap duyuyorum. Ona ne kadar dokunur bu mesele. “(Melekler) asla Allah'a isyan etmezler ve kendilerine verilen bütün emirleri tam yerine getirirler.” (Tahrim, 66/6) Allah'ın emrettiği şeyi, kılı kırk yararcasına yaşarlar; yasakladığı şeylerden de fersah fersah uzak dururlar. İşte öyle birine öyle bir gayyayı gösteriyorsun, öyle bir gayyayı diyorsun ki, şimdi onun o mevzuda duyacağı rahatsızlığı biraz kendi donanımıyla, meseleleri içtenleştirmesiyle, Allah karşısındaki konumuyla değerlendirmelisin. Bir hükümdara “Sen birinden şöyle bir şey çalmışsın!” demek.. düşünün bunu… Bu, sıradan, sokaktaki insana, bir haramiye, bir hırsıza demek gibi değildir. Ona ne kadar batar. Bakmayın bugün hırsızlık, irtikâp karşısında utanmayanlara!.. Bütün bütün hayâ hissinden mahrum kimseler olabilir ama mesele öyle değil. “Senin urban, numarası-drobu itibariyle sana uymadı!” demek bile, öyle bir sultanı, öyle bir rencide eder ki!.. Evvela bu zaviyeden, Efendimiz (sallallâhu aleyhi ve sellem) yüksek donanımı itibariyle onların dedikleri şeyler karşısında çok rencide oluyordu. Allah Rasûlü, sadece şahsı ve onuru adına değil, insanların âkibeti hesabına da hüzün duyuyordu. İkincisi: Onların dedikleri şeyler, sadece O'nun nübüvvetiyle, peygamberliğini ilanıyla ve mesajıyla alakalı değildi. Allah'ı tanıtmasıyla da alakalı.. bu dünyanın fani olduğunu ifade etmesiyle de alakalı.. ve bekânın öbür âlemde olduğunu anlatmasıyla da alakalıydı… Bunlar ise, onu öyle üzüyordu ki!.. Neden? Çünkü akıbete bakarak meseleyi değerlendiriyordu.

Choses à Savoir VOYAGE
Qu'est ce que le ras el hanout ? ✨

Choses à Savoir VOYAGE

Play Episode Listen Later Oct 26, 2022 2:30


Ça fait longtemps qu'on a plus parlé d'épices et si il y en a bien une qui fait la différence entre un bon et un mauvais couscous, c'est bien le ras el anouth. Je m'excuse déjà pour la prononciation. Alors je dis épice, mais le ras el hanout est un mélange d'épices, comme le curry. Il est originaire du Maghreb mais on en trouve évidemment partout dans le monde aujourd'hui. Ras el Hanout signifie littéralement « Tête de l'épicerie », comprenez par là,  le meilleur de la boutique. La cerise sur le gâteau, la crème de la crème.  Les compositions varient d'une région à l'autre et la quantité d'épices différentes qui entre dans sa composition peut être incroyable, mais de base, vous y trouverez obligatoirement  cannelle, gingembre,  coriandre, cardamome,  noix de muscade,  poivre noir et  curcuma. Addition classique mais non obligatoire à cette liste de base, vous retrouvez le cumin, les graines de fenouil ou du gingembre. Suivant les régions et les sortes de ras el anouth, vous pouvez y trouver jusqu'à une grosse trentaine d'ingrédients pour les plus fournis. On le retrouve dans le couscous, comme je le disais tout à l'heure mais pas que, on le retrouve dans les tajines ou le chorba pour ne citer qu'eux mais aussi dans les pâtisseries car il se marie bien avec le miel.  Vous pouvez bien sûr en ajouter ou bon vous semble. Pourquoi pas dans votre soupe à l'oignon, votre omelette au poivron ou dans votre café comme on le fait au Maroc. Alors, une chose à laquelle il faut faire super attention,  Dans les souks touristiques, il y a énormément de ras el hanout et d'épices en général qui sont de très très mauvaise qualité.  Littéralement des pièges à touristes. Il a été calculé que certaines épices vendues en souk contenaient jusqu'à 70% d'agent de coupe. Donc vous n'achetez dans ce cas que 30% du poids payé en épice, le reste étant laissé à l'appréciation du charlatan ; verre pilé, sable, semoule colorée, sel quand vous avez de la chance.  Méfiance donc, évitez les mélanges déjà moulus et préférez acheter vos épices chez des gens de confiance. car un vrai épicier va les moudre devant vous. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Football Analytics Show by The Power Rank and Ed Feng
Adam Chernoff on betting the NFL in 2022

The Football Analytics Show by The Power Rank and Ed Feng

Play Episode Listen Later Oct 26, 2022 73:01


Adam Chernoff of Right Angle Sports (RAS), who has had many roles in the sports betting world, joins the show for a wide ranging conversation. Highlights include: His "book making" start in the Caribbean (3:13). Betting tennis as a professional (17:58). Moving to RAS (23:55). The information and data he uses to handicap the NFL (29:14). How he uses Sports Info Solutions data to analyze defense (34:17). Sports betting and content (36:17). A week 8 NFL bet (42:00). Pittsburgh Steelers (47:09). Tampa Bay Buccaneers (49:58). Green Bay Packers (54:55). The Football Analytics Show is presented by The Power Rank, a site devoted to predictive analytics for football betting. To get the free sports betting newsletter, click here: https://thepowerrank.com/ Support the podcast: https://www.patreon.com/footballanalytics

Hizmetten
And olsun, biz dişimizi sıkıp sabredeceğiz | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Oct 25, 2022 5:46


Bu video 21/08/2016 tarihinde yayınlanan "TEVEKKÜL İÇİNDE SABREDECEĞİZ!.." isimli bamtelinden alınmıştır. Tamamı burada: https://www.herkul.org/bamteli/bamtel... “Bu, dilediği kimselere Allah'ın lütfedeceği bir ihsanıdır.” Allah'ın “fazl”ı, O'nun ekstradan lütfetmesi demektir. Hazreti Pîr Mektubat'ta bir yerde, ذَلِكَ فَضْلُ اللهِ يُؤْتِيهِ مَنْ يَشَاءُ “Bu, dilediği kimselere Allah'ın lütfedeceği bir ihsanıdır.” (Hadid, 57/21) beyanına işaret ediyor. Yani, niye kendinden biliyorsun? ذَلِكَ فَضْلُ اللهِ يُؤْتِيهِ مَنْ يَشَاءُ Allah, bunu, dilediğine verir. Cenâb-ı Hak, size bir ilham veriyorsa, bir ihtarda bulunuyorsa, bir iş yaptırtıyorsa, bir şey konuşturuyorsa, ذَلِكَ فَضْلُ اللهِ يُؤْتِيهِ مَنْ يَشَاءُ Arkadaşlarımız, cennete girme mevzuunda, o tabiri kullanıyorlar ama istiğrab edilecek bir şey değil. Cenâb-ı Hakk'ın fazlı olmadan kimse cennete giremez. O, “ekstradan bir lütuf” demektir. En küçük, zerre kadar bile karşılığı takdim edilmemiş bir lütuf, bir ihsan, bir ulûfe-i şahane demektir. Cennet'e yalnızca ekstra lütufla, sadece Allah'ın fazlıyla girilebileceğini beyan eden Rasûl-i Ekrem Efendimiz'e “Sen de mi ey Allah'ın Rasûlü?” denilince, En Doğru Sözlü İnsan وَلاَ أَنَا، إلاَّ أنْ يَتَغَمَّدَنِيَ اللهُ بِرَحْمَةٍ مِنْهُ وَفَضْلٍ “Evet, Allah'ın fazlı ve rahmeti olmazsa, beni sarıp sarmalamazsa, ben de cennete giremem!” buyuruyor. Sana kurban olayım; hem tevazuuna kurban olayım, hem hakikate tercüman olmana kurban olayım!.. Sen öyle deyince, a be imamım, ben arkadan nasıl düşünmeliyim?!. وَمَا لَنَا أَلاَّ نَتَوَكَّلَ عَلَى اللهِ وَقَدْ هَدَانَا سُبُلَنَا “Hem niye Allah'a dayanıp güvenmeyelim ki, takip etmemiz gereken yollara bizi ileten O'dur.” Sebil değil, sübül; yol değil, yollar. Çağlara göre, bir yönüyle zamanın gerektirdiği yorumlara göre, insanların idrak ve irfan ufuklarına göre, farklı farklı zamanlarda, semadan farklı farklı mesajlar sağanağı gelmiştir. Dolayısıyla burada bir de “sübül” سُبُل denerek bu husus vurgulanıyor. Başka bir yerde, وَالَّذِينَ جَاهَدُوا فِينَا لَنَهْدِيَنَّهُمْ سُبُلَنَا “Bizim uğrumuzda gayret gösterip mücahede edenlere (kendisini mücahedeye adamışlara) elbette muvaffakiyet yollarımızı gösteririz.” (Ankebut, 29/69) Yan, “katele” yerine “câhede” ifadesini kullanarak diyeyim: “Nam-ı Celîl-i İlâhî'nin yeryüzünde şehbal açıp dalgalanması uğrunda mücâhede eden insan Allah yolundadır.” İşte “Biz o Allah yolunda mücahede ehlini farklı farklı yollara hidayet ederiz” buyuruyor Cenâb-ı Hak. Farklı farklı yollar.. mizaca göre, mezâka göre, mezhebe göre, anlayışa göre… Usul'de müttehid fakat detayda, teferruatta, zamanın yorumunu yanına alan farklı farklı yollar… O kadar çok yollar açarız ki onlara, hangisinden yürürlerse yürüsünler, Allah'a ulaşırlar. Hazreti Nuh yolundan, Hazreti İbrahim yolundan, Hazreti Musa yolundan, Hazreti İsa yolundan, Hazreti Davud yolundan, Hazreti Süleyman yolundan… Ve makam-ı cem'in sahibi Hazreti Rasûl-i Zîşân yolundan, Allah'a ulaşırlar.

Hizmetten
“Biz, evet, sizin gibi ancak birer beşeriz ” | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Oct 22, 2022 7:21


Bu video 21/08/2016 tarihinde yayınlanan "TEVEKKÜL İÇİNDE SABREDECEĞİZ!.." isimli bamtelinden alınmıştır. Tamamı burada: https://www.herkul.org/bamteli/bamtel... “Allah, kulları içinde her kimi dilerse ona hususî bir ihsanda bulunur.” Onlar ise şöyle karşılık verdiler: قَالُوا إِنْ أَنْتُمْ إِلاَّ بَشَرٌ مِثْلُنَا تُرِيدُونَ أَنْ تَصُدُّونَا عَمَّا كَانَ يَعْبُدُ آبَاؤُنَا فَأْتُونَا بِسُلْطَانٍ مُبِينٍ “Dediler ki: Siz de bizim gibi ancak birer beşersiniz; bizi atalarımızın tapageldiği ‘ilâh'lardan vazgeçirmek istiyorsunuz. (Eğer iddianızda doğru iseniz,) haydi bize açık ve karşı çıkılmaz bir delil (bizi inanmaya mecbur edecek bir mucize) getirin!” (İbrâhîm Sûresi, 14/10) “Siz de bizim gibi insansınız!” Sathî bakış öyle.. Doğru; el-ayak, göz-kulak, dil-dudak görünce, öyle diyor; bu, sathî bakış.. bakıp görememe. تُرِيدُونَ أَنْ تَصُدُّونَا عَمَّا كَانَ يَعْبُدُ آبَاؤُنَا “Sizin derdiniz, bizi, babalarımızın ibadet edegeldiği (hani meşhurları olan Lat, Menat, Uzza, İsaf, Nâile) bu putlara tapmaktan alıkoymak.. (Kâbe'nin çevresini ve içini kirleten) 360 küsur putlara tapmaktan alıkoymak; derdiniz bu!” (Efendimiz için olunca böyle..) فَأْتُونَا بِسُلْطَانٍ مُبِينٍ “Bize apaçık, gözü açan, bâriz, beyyin bir bürhan, bir delil, bir sultan getirin!” “Sultan” kelimesine, Kur'an-ı Kerim tefsirlerinde, bu manaların hepsi veriliyor; “bürhan” deniyor, “ilzam edici bir şey” deniyor, “bir mucize” deniyor, “bir harika” deniyor. Hani “gökten bir taş gelsin!” (İsrâ Sûresi:92; Şuarâ Sûresi:187), “Ay parçalansın!” diyorlar. Bütün bunların hepsi, o sultan. Kâfirler, münafıklar, putperestler, mülhitler, böyle diyedursunlar; Peygambere gelince: قَالَتْ لَهُمْ رُسُلُهُمْ إِن نَّحْنُ إِلاَّ بَشَرٌ مِّثْلُكُمْ وَلَكِنَّ اللّهَ يَمُنُّ عَلَى مَن يَشَاء مِنْ عِبَادِهِ وَمَا كَانَ لَنَا أَن نَّأْتِيَكُم بِسُلْطَانٍ إِلاَّ بِإِذْنِ اللّهِ وَعلَى اللّهِ فَلْيَتَوَكَّلِ الْمُؤْمِنُونَ “Rasûlleri onlara şöyle karşılık verdi: Biz, evet, sizin gibi ancak birer beşeriz. Fakat Allah, kulları içinde her kimi dilerse ona hususî bir ihsanda bulunur. Sonra, Allah izin vermedikçe size herhangi bir delil getirmemiz de söz konusu olamaz. Mü'minler, (her meselede) ancak Allah'a dayanıp güvenmelidirler.” (İbrâhîm Sûresi, 14/11) Bu ayetlerde قَالَتْ “Kâlet” denilerek kelimenin müennes olarak kullanılması insanın kafasına takılabilir. Evet, niye müennes kelimeyle ifade edilmiş? Hani كُلُّ جَمْعٍ مُؤَنَّثٌ filan dersiniz. “Cem-i müzekker-i sâlimin gayrı her cemi, cemaat tevili ile te'nis hükmündedir.” denir. Fakat enbiya-i izâm için, “cem-i müzzekker-i gayr-ı sâlim” demek doğru değildir. Allahu A'lem, onlar kavimleri karşısında, zâhiren, bir zaafa uğradıklarından dolayı, “cemaat halinde” ama öyle bir cemaat halinde, “Hiç olmazsa öyle bir cemaati dinleyin!” manalarına işaret edilmektedir. Ayette رُسُلُهُمْ “Rusülühüm” denilmek suretiyle, aynı zamanda bütün Peygamberlerin de mesajı olduğu yeniden vurgulanıyor. قَالَتْ لَهُمْ رُسُلُهُمْ إِنْ نَحْنُ إِلاَّ بَشَرٌ مِثْلُكُمْ “Biz, evet, sizin gibi ancak birer beşeriz.” Bu doğru. Bakın, objektif; birine bir şeyi anlatırken, onların doğrularını da doğrulamak lazım; tâ bir yönüyle sizin insafınız, objektif düşünceniz, aynı zamanda, onları da objektif düşünceye sevk etsin. Doğru, o açıdan doğru. قَالَتْ لَهُمْ رُسُلُهُمْ إِنْ نَحْنُ إِلاَّ بَشَرٌ مِثْلُكُمْ Biz de sizin gibi birer insanız, “misl”iniziz… Fakat burada da aynı zamanda “misl” kelimesi kullanılıyor; mesela إِنْ نَحْنُ إِلاَّ بَشَرٌ عَيْنُكُمْ değil. “Aynen sizin gibi” değil, “misil”; dış ve heykel itibarıyla, fizyolojik ve anatomik açıdan bakınca, “Evet, sizin gibi; el-ayak, göz-kulak, dil-dudak bakımından “misl”iniziz; fakat “aynı” değiliz sizinle. Onu da müşrik kafası anlar mı, anlamaz mı? Amma, Kur'an-ı Kerim, anlasınlar diye söylüyor.

Hizmetten
En tehlikeli şey: Şeytanın, münafığı, Müslüman göstermesidir | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Oct 19, 2022 6:45


İslam coğrafyasında en büyük tehlike, nifaktır!.. En tehlikeli şey, şeytanın kâfiri, kâfir yapması değildir; münafıkı, Müslüman göstermesidir. En tehlikeli şey, odur. Haçlının ülkenizi işgal etmesi, çok tehlikeli değildir; çünkü sizin ve onların arasında kırmızı çizgiler vardır. Bir kere onlar, sizin kadınlarınıza kızlarınıza ilişmezler, mâbedinize ilişmezler; ilişmemiş Haçlılar. Fakat münafık, meseleyi öyle bir karıştırır ki, Müslümanlık ile kâfirlik, bir harcın parçaları gibi, farklı kimyevî şeylerin bir araya gelmesi gibi olur. O güzellik, o beriki çirkinlikle bir araya gelince, kömür-elmas birbirine karışır. Siz, anlayın artık meselenin ne olduğunu!.. Günümüzün İslam dünyasında, bu şenaat, bu denaet yaşanıyor. Bazı yerlerde de katmerli yaşanıyor. Bazı yerlerde “müfret” yaşanıyor; bazı yerlerde “müza'âf” yaşanıyor, bazı yerlerde, -Kapadokya gibi- “mük'ab” yaşanıyor. Münafıklar, gemi azıya almış öyle gidiyorlar ki, hakiki Müslümanlara fırsat vermeme, canlarını alma, “Aman vurun, iflah etmeyin!” mülahazasıyla yaşama adetâ şiar haline, ideal haline, gâye-i hayal haline getirilmiş. Böyle bir dünyada, dış dünyadaki insanların Müslümanlığa imrenmesine imkân yoktur. Onun mübarek, dırahşan çehresini, değişik terör örgütleri gibi, bu değişik terör devletleri de öyle kirlettiler ki!.. Zannediyorum yarım asır, bu kirleri yıkamak için uğraşacaksınız, yine de dıştakilerine Müslümanlığın gerçek çehresini göstermede çok zorlanacaksınız; göbeğiniz çatlayacak, şakaklarınız zonklayacak, kasıklarınızı tutacaksınız, Üstad Necip Fazıl ifadesiyle, “öz beyninizi burnunuzdan kusacaksınız!” Bunları dedim ama… “Ger günahım Kuh-i Kaf olsa ne gam yâ Celil / Rahmetin bahrine nisbet ennehû şey'un kalîl”. Belki de bizim günahlarımızdan, münafıklar böyle yüz aldı ve yol aldılar, mesafe aldılar, fırsat buldular. Şimdi hadiselerin lisanıyla “Niye firasetinizi kullanmadınız? Neden doğruyu doğru, eğriyi eğri göremediniz?” deniyor ve dolayısıyla Allah, zâlimin eliyle ensenize şamarlar indirmeye başladı, kulağınızı çekmeye başladı. Adeta, “Mü'min, bu kadar aptal olmamalı! Münafığın arkasından gitmemeli! Aptal koyunlar gibi kurdun arkasından sürüklenmemeli! Karanlık derelere yuvarlanmamalı! Aklınızı başınıza alın da, bir daha münafıkların arkasından sürüklenmeyin! Kendi yolunuzda yürüyün!.. Yürüyün ve önünüzde her zaman Ebu Bekir u Ömer u Osman u Ali'nin sesini-soluğunu duyun!” deniyor. Onların sesi-soluğu, parçalanmış Hazreti Ruh-u Seyyidi'l-Enâm'ın sesi-soluğudur; bir derinliğiyle Ebu Bekir'de, başka bir derinliğiyle Ömer'de, başka bir derinliğiyle Osman'da, başka bir derinliğiyle Haydar-ı Kerrâr, Şâh-ı Merdân, Dâmâd-ı Nebî Hazreti Ali'dedir. Onları (radıyallahu anhüm ecmaîn) takip ederseniz, O (sallallâhu aleyhi ve sellem) rehbere ulaşabilirsiniz. O'na ulaştığınız zaman, Allah'la aranızdaki münasebeti tesis etmiş olabilirsiniz. Sadece, yarım yamalak namazla değil, yarım yamalak oruçla değil, “Müslümanım!” demekle değil, “Biz, İslamî bir idare istiyoruz!” demekle değil… Gerçek Müslüman olmakla.. gerçek Müslüman olmakla, Râşid halifelere ulaşırsınız… Onlar da, elinizden tutarlar, Hazreti Ruh-u Seyyidi'l-Enâm'a götürürler. “Referansız Yâ Rasûlullah!” derler. Onlar referans ise şayet, Allah Rasûlü, dergâh-ı nebevisinden sizi kovmaz. Rasûlullah'ın referans olduğunu da, Allah, dergâhından kovmaz. https://www.herkul.org/bamteli/bamtel...

Harish Saluja's A House at the Crossroads

O Mere Saavan SajanAai Ritu Sawan KiAllah Tero Naam Maang Mein Bhar Le RangEk Mithi Si ChubhanTumhara Pyar Shaamil HaiZindagi Mein Jab Tumhare Gham Nahin Abhi Na Jao Chor KarAap Ki Yaad Aati Rahi Raat BharAa Ja Sanwariya..Ras ke bhare tore nainSupport the show

The Chris LoCurto Show
492 | Why Can't I Just Use A Job Description?

The Chris LoCurto Show

Play Episode Listen Later Oct 18, 2022 43:57


You probably use some kind of Job Description in your recruiting and hiring processes, right? But, what are you using in order to keep your team members on track once they're on board? Maybe you've had your folks ask questions like: “Am I doing a good job”, “Am I doing the right things”, or “What would you want me to do differently”? These are great questions!But what they indicate is that your process is missing something important. Enter KRAs.Maintaining excellence, holding folks accountable to goals, and coaching them towards higher performance requires something more than just task lists and project assignments.That's why we talk so much about KRAs, or Key Result Areas. In fact, we do tons of coaching and training along this line in order to help leaders discover the benefits of this tool.So, from time to time, we like to revisit this topic and tease out different aspects that we haven't covered before, as well as help people to see what they're missing out on.KRAs, which are sometimes referred to as Key Responsibility Areas, are a huge asset to leaders wanting to create a high performance culture on their teams. But not only that!While KRAs help define goals, they also provide the means to measure them. Remember, goals must be actionable, obtainable, and also quantifiable. That's where Job Descriptions fail.Joined once again in the studio by Brian, we take a look at some of our own client's questions and comments about using KRAs on their teams. We also address this question head-on, Why Can't I Just Use A Job Description?What we discover may surprise you! Especially as we dig into the benefits that leaders receive from having to think through the vision and goals for each team member's role. Enjoy today's episode!Chris

ASCO Guidelines Podcast Series
Treatment of Metastatic Colorectal Cancer Guideline

ASCO Guidelines Podcast Series

Play Episode Listen Later Oct 17, 2022 21:12


An interview with Dr. Van Morris from The University of Texas MD Anderson Cancer Center in Houston, TX and Dr. Cathy Eng from Vanderbilt-Ingram Cancer Center in Nashville, TN, co-chairs on "Treatment of Metastatic Colorectal Cancer: ASCO Guideline." Dr. Morris and Dr. Eng review the evidence-based recommendations from the guideline, focusing on areas of uncertainty in the treatment of metastatic colorectal cancer, and highlighting the importance of multidisciplinary collaboration and shared decision-making between patients and clinicians. Read the full guideline at www.asco.org/gastrointestinal-cancer-guidelines.   TRANSCRIPT Brittany Harvey: Hello, and welcome to the ASCO Guidelines Podcast series, brought to you by the ASCO Podcast Network; a collection of nine programs covering a range of educational and scientific content and offering enriching insight into the world of cancer care. You can find all the shows, including this one, at: asco.org/podcasts. My name is Brittany Harvey, and today I'm interviewing Dr. Van Morris, from The University of Texas MD Anderson Cancer Center in Houston, Texas, and Dr. Cathy Eng from Vanderbilt-Ingram Cancer Center in Nashville, Tennessee - co-chairs on, 'Treatment of Metastatic Colorectal Cancer, ASCO Guideline.' Thank you for being here, Dr. Morris, and Dr. Eng. Dr. Cathy Eng: Thank you. Dr. Van Morris: Thank you. Brittany Harvey: First. I'd like to note that ASCO takes great care in the development of its guidelines and ensuring that the ASCO Conflict of Interest policy is followed for each guideline. The full Conflict of Interest information for this guideline panel is available online with the publication of the guideline in the Journal of Clinical Oncology. Dr. Morris, do you have any relevant disclosures that are directly related to the guideline topic? Dr. Van Morris: Not personally, but I do have research support to my institution from Pfizer and Bristol Myers Squibb who have products that I'll be discussing on this podcast. Brittany Harvey: Thank you, Dr. Morris. And Dr. Eng, do you have any relevant disclosures that are directly related to this guideline topic? Dr. Cathy Eng: Also, not personally associated with any honorarium specific to this topic. Brittany Harvey: Great. Thank you both. So then, let's talk about the content of this guideline. So first, Dr. Morris, can you provide an overview of the scope of this guideline? Dr. Van Morris: Sure. So colorectal cancer is the second-leading cause of cancer-related death in the United States. And especially in the time of the recent COVID-19 pandemic with people less likely to go for screening colonoscopies, there's great concern that more and more patients will be presenting at the time of their initial diagnosis with later-stage, more advanced colorectal cancer. So with that said, research is moving very quickly for the benefit of patients with colorectal cancer, and we were interested in assembling a multidisciplinary team that consisted of medical oncologists, surgical oncologists, radiation oncologists, pathologists, and radiologists as well, to help us make guidelines that really summarize the most relevant up-to-date practices, based on rigorous literature review for treatment recommendations for advanced metastatic colorectal cancer. Brittany Harvey: Great. And then as you just mentioned, this guideline provides recommendations, and a lot of those focus on areas of uncertainty in the treatment of metastatic colorectal cancer. And I'd like to review those key recommendations that you mentioned for our listeners. So, Dr. Eng, starting with - for patients with previously untreated, initially unresectable metastatic colorectal cancer, who are candidates for chemotherapy plus bevacizumab, is doublet or triplet cytotoxic chemotherapy recommended? Dr. Cathy Eng: For treatment-naive patients, bevacizumab has been approved, and we do agree that it's a very reasonable treatment option with doublet or triplet therapy for our patient population. Obviously, these are guidelines, and it's extremely important to keep in mind that as a provider, you need to discuss the potential side effects with the patient. With bevacizumab, you know, standard concerns must be discussed with the patient, especially in regards to wound healing, if they've had recent surgery or any potential risk factors for a recent cardiac event from a recent thrombosis. So, those things obviously, would preclude the patient from initiating treatment with bevacizumab. But currently, doublet therapy or triplet therapy could be a potential option for patients. Brittany Harvey: Great. And yes, as you mentioned, shared decision-making is paramount to these decisions. So then following that recommendation, Dr. Morris, which patients should be offered pembrolizumab in the first-line setting? Dr. Van Morris: Yeah. So, I think that this represents really one of the exciting advances in the treatment of metastatic colorectal cancer over the past several years. We have great data now that suggests for patients with microsatellite instability-high metastatic colorectal cancer, especially who have not had any prior treatment, we would recommend use of immune checkpoint blockade therapies, really coming from the seminal KEYNOTE-177 trial. This was a phase III international trial that looked at patients with advanced unresectable or metastatic colorectal cancer. And patients were either randomized to pembrolizumab monotherapy, or cytotoxic chemotherapy with FOLFOX, with or without bevacizumab. And this trial did meet its primary endpoint and showed an improvement in progression-free survival, with use of pembrolizumab as a single agent relative to cytotoxic chemotherapy. And based on this trial and the clear benefit that we see in patients with pembrolizumab, the FDA has approved this as an option for patients with MSI-high untreated metastatic colorectal cancer. There are other trials which have looked at use of immunotherapy; the CheckMate 142 trial looked at combination PD-1 CTLA-4 therapy as a single-arm study. And, you know, there's another trial, the CheckMate 8HW, which is looking at one versus two immunotherapy agents in this setting as well. But really, as it stands for now, patients with MSI-high untreated metastatic colorectal cancer are the ones who benefit from the use of immunotherapy. One of the questions that we often get in talking with other clinical oncologists is the FDA approval for pembrolizumab in any cancer type for a TMB, tumor mutation burden, greater than 10. And, we talked about this with our panel in this context, and we don't see that patients with microsatellite-stable metastatic colorectal cancer, who have a tumor mutation burden over 10 benefit from use of immunotherapy. There is one exception to this for patients who harbor pathogenic POLE or POLD1 mutations, these patients oftentimes do experience sustained clinical benefit with immunotherapy. But in general, patients with microsatellite-stable metastatic colorectal cancer, who don't have POLE/POLD1 mutations, we don't favor use of immunotherapy in that context at this point in time. Brittany Harvey: Great. Thank you for reviewing that recommendation and the data behind who benefits and who doesn't benefit from immunotherapy in this setting. So then following that, the next question that this guideline addressed is for treatment-naive RAS-wild type metastatic colorectal cancer. So, for these patients, Dr. Eng, is anti-EGFR therapy recommended for patients with right or left sided primary tumors? Dr. Cathy Eng: That is such an important question, and thank you for asking this. We know based upon pivotal data from CALGB/SWOG 80405, that right-sided tumors treatment-naive, even if they're RAS-wild type, these patients should not receive anti-EGFR therapy. But also, we've learned from 80405, FIRE-3, and PEAK, which was a phase two study, that there appeared to be some benefit versus anti-VEGF therapy for left-sided tumors based upon studies that have been conducted. So, at this year's ASCO, actually, the PARADIGM trial was specifically a phase III trial, more focused on left-sided tumors. It was amended twice before it decided to focus on the left-sided patient population. And it was a phase III study where patients were randomized to FOLFOX plus panitumumab versus FOLFOX and bevacizumab. And the primary endpoint was overall survival. And we added this data to our guidelines. This data just came out, hot off the presses in June, at this year's ASCO. And the primary endpoint was fulfilled. And basically, it prospectively demonstrated that the data from the other three trials, based upon a pooled analysis, suggested left-sided tumors fare better with anti-EGFR therapy. And in fact, the PARADIGM trial basically validated those findings. Obviously, the PARADIGM trial just recently presented, we have not seen the final publication, we do not know much about the maintenance setting, but specifically, when thinking about anti-EGFR therapy, it is very reasonable to consider it in a left-sided tumor, all RAS-wild type patient population. I would like to mention though, and we do highlight this also in the guidelines, which is critically important, is that there was another study, which is a phase III trial called, TRIPLETE, that was presented as well, looking at FOLFOXIRI plus panitumumab versus basically, standard treatment. And what it noted is that there is no additional benefit for FOLFOXIRI plus panitumumab in left-sided tumors in regards to response or progression-free survival, there was no additional benefit. So, FOLFOX plus panitumumab seems very reasonable, FOLFOXIRI plus panitumumab is not necessarily needed in left-sided tumors. Brittany Harvey: Great. Thank you for that explanation, and also for the work of the panel to rapidly include this new information recently presented at ASCO. So then following those recommendations, Dr. Morris, what recommendation did the panel make for patients with previously-treated metastatic colorectal cancer with a BRAF V600E mutation? Dr. Van Morris: Yeah. So, this recommendation was made essentially based on one randomized phase III clinical trial, which reported out about three years ago now, the BEACON trial. This is looking at patients with BRAF V600E mutated metastatic colorectal cancer, which we know accounts for probably eight to 10% of all patients with advanced colorectal cancer, and when found, really harbors a poor prognosis relative to BRAF-wild type counterparts. So, the BEACON trial was a trial that looked at patients with previously-treated metastatic colorectal cancer, who have BRAF mutations, either kind of standard of care cytotoxic chemotherapy, or a BRAF/EGFR combination with encorafenib and cetuximab or alternatively, a BRAF/EGFR/MEK combination. That trial showed that improvement in survival outcomes with a BRAF/EGFR-targeted approach, as well as the BRAF/MEK/EGFR. However, because there was no difference in survival with the addition of the MEK inhibitor, the FDA subsequently approved encorafenib and cetuximab as the recommended treatment for patients with BRAF V600E previously-treated metastatic colorectal cancer. Because the MEK combination with binimetinib was not recommended by the FDA, you know, we did not include that analysis in our guidelines for ASCO. But as it stands right now, we do strongly encourage all clinicians to check for their BRAF V600E mutation status in their patients with metastatic colorectal cancer, with the goal of getting them to a targeted therapy approach over their treatment course. Brittany Harvey: Great. Thank you for providing that information. So, following that, Dr. Eng, what are the recommendations for patients with colorectal peritoneal metastases? Dr. Cathy Eng: The current recommendations for colorectal cancer with peritoneal disease, really, there's no strong evidence to support the role of heated intraperitoneal chemotherapy. We now know based upon the literature from one of the largest studies to date, the PRODIGE data, demonstrating that there may be some potential benefit from cytoreductive surgery for the patients in regards to overall survival. But these patients are at high risk for bowel obstruction, potentially for perforation, and obviously, quality of life is an issue. So, these patients should always be discussed in a multidisciplinary tumor board whenever possible, and hopefully, to meet with a surgeon that is more experienced, specifically, in treating peritoneal disease, because these patients do require a lot of multidisciplinary care and discussion. So currently, based upon the existing data, we don't recommend heated intraperitoneal chemotherapy, but there may be a role for cytoreductive surgery. Brittany Harvey: Thank you, Dr. Eng for going over those recommendations. So then following that, Dr. Morris, for patients with unresectable liver-limited metastatic colorectal cancer, which liver-directed therapies are recommended? Dr. Van Morris: So, this is I think a really good question and one that just like the prior question with regards to peritoneal surgery, is one that we felt was a challenging one, but a common one that we wanted to address. And specifically, I think this is an example of where level of evidence comes into the strength of recommendation. So, for patients with unresectable liver-limited metastatic colorectal cancer, we looked at the questions of, "What is the role of SBRT - stereotactic body radiotherapy, and what is the role of SIRT, which is selective internal radiotherapy?" And for both of these, we felt that the level of evidence was weak, and I think that it's very important to make note of that in assessing the recommendations. But to start with, for SBRT, we looked at one meta-analysis for patients with oligometastatic colorectal cancer, and also analyzed 18 non-randomized control trials in this setting. Most of the patients in these studies had one to five liver metastases, with the majority having one or two liver metastases. From the meta-analysis, we saw kind of a one-year local control rate of around 67%, a two-year control rate of 59%. So, based on those and recognizing the limitations of non-randomized trials and making recommendations, the panel did feel that it was reasonable to consider use of SBRT for oligometastatic colorectal cancer. The SABR-COMET trial is one that had looked at the role of radiotherapy for treatment of oligometastatic colorectal cancer, and I just want to make the point as well, that we did not include that in our analysis or recommendations at this point in time, because this really didn't include a lot of patients with colorectal cancer that we felt warranted inclusion. Now, with regards to SIRT, we looked at kind of one meta-analysis and three randomized control trials for patients with mostly liver-limited metastatic colorectal cancer. All patients had liver disease, but there were about 40% of the patients we looked at in the meta-analysis, had extra hepatic disease as well. In the frontline setting, there really was no difference in progression-free survival or overall survival with the use of SIRT. And more recently, we've seen in a second-line trial, it was called the EPOCH trial, reported several years ago, this looked at patients with previously-treated metastatic colorectal cancer in the second-line setting. Patients were randomized to either chemotherapy with, or without transarterial radioembolization with Y90. While there was an improvement in overall response rate, there was no meaningful improvement in overall survival with the use of SIRT. But there were significant increases in grade 3 or grade 4 toxicities when SIRT was added to chemotherapy. So, kind of given this, we didn't feel at this point in time that SIRT should be recommended for patients with metastatic colorectal cancer. Although, again, I do want to highlight that really these discussions should be happening at high-volume centers, kind of with a multidisciplinary group of clinicians. Brittany Harvey: Definitely. And thank you for highlighting that multidisciplinary collaboration. And the last section of recommendations, Dr. Eng, what is recommended for patients with metastatic colorectal cancer, and potentially-curable oligometastatic liver metastases? Dr. Cathy Eng: So, another controversial topic. And once again, this is why we decided to include this as part of the guidelines, because this is a common scenario where patients are potentially curable, following liver resection for oligometastatic disease. We cannot highlight enough the importance of multidisciplinary discussion. Prior data has not been strong regarding specific guidelines following liver resection. We do recommend that based upon the existing data, there is no level one evidence to say, you should go one way or another following metastatic resection, and whether or not adjuvant therapy is warranted in that setting. But we do recommend multidisciplinary management and engagement and discussion. So, although it's not definitive, it basically suggests that there is a role for resection. It does provide improved five year survival relative to systemic chemotherapy, if the patient is potentially resectable, but does require multidisciplinary discussion. And it is a shared decision-making process. Brittany Harvey: Great. Thank you. And I appreciate you highlighting the importance of shared decision-making throughout this guideline. So then, Dr. Morris, what is the importance of this guideline in your opinion, and how will it impact clinical practice? Dr. Van Morris: Yeah. So, I think that we understand that management of metastatic colorectal cancer is extremely complex given the various molecular annotations and the multimodality therapies which are possible for our patients. So, we tried to limit the guidelines here to include what we feel are the most recent updates, but also kind of the most clinically-relevant multidisciplinary questions that get asked for treatment of metastatic colorectal cancer. We also recognize that things are changing quickly. And for example, we didn't decide to include at this point in time, management of HER2 neu amplified metastatic colorectal cancer, although we are seeing more and more data coming out, suggesting targeted therapies. So, I think it's important for clinicians to realize that these are guidelines which are ever-changing, given the updates with new therapies available for our patients. And the other thing I think that's very good about these guidelines is that, even though we may be making recommendations about controversial topics in the management of metastatic colorectal cancer - specifically, I think the use of HIPEC with cytoreductive surgery, locally-directed therapies to the liver, and the role of perioperative chemotherapy and metastasectomy - I think it's important for oncologists to realize that these recommendations come with varying strengths of level of evidence and that we as oncologists should be considering the level of evidence that's out there when making recommendations that affect our patients as well. So, we really wanted to support these guidelines and recommendations and empower clinicians to know and understand the quality of evidence that exists in the management of patients with metastatic colorectal cancer. Brittany Harvey: Excellent. And yes, those are key points on the level of evidence and the strength of recommendations throughout the guideline. And then finally, Dr. Eng, you've talked a bit about shared decision-making and the importance of this guideline for patients. So, how will these guideline recommendations affect patients with metastatic colorectal cancer? Dr. Cathy Eng: The reason that we created these guidelines is to help patients, their caregivers, and providers, learn of the most recent developments in colorectal cancer, and the best approach based upon the information that we have personally reviewed with our multidisciplinary team of faculty members that participated in this exercise. We really just want to make sure that patients do get optimal care. And we hope that these guidelines also will help provide a foundation for some of the clinical trials that may be under development, or for other clinical trials that are being considered. So, we really just want to provide the most up-to-date information to all individuals that are interested in colorectal cancer so we can help guide their care better. Brittany Harvey: So, I want to thank you both so much for your work on these guidelines, and all of the time it's spent developing these recommendations, and thank you for your time today, Dr. Morris, and Dr. Eng. Dr. Van Morris: Thank you. Brittany Harvey: And thank you to all of our listeners for tuning into the ASCO Guidelines Podcast series. To read the full guideline, go to: www.asco.org/gastrointestinal-cancer-guidelines. You can also find many of our guidelines and interactive resources in the free ASCO Guidelines app available in iTunes or the Google Play store. If you have enjoyed what you've heard today, please rate and review the podcast, and be sure to subscribe, so you never miss an episode.   The purpose of this podcast is to educate and to inform. This is not a substitute for professional medical care and is not intended for use in the diagnosis or treatment of individual conditions. Guests on this podcast express their own opinions, experience, and conclusions. Guest statements on the podcast do not express the opinions of ASCO. The mention of any product, service, organization, activity, or therapy, should not be construed as an ASCO endorsement.  

Hizmetten
“Allah'ın vaad ettiği yardım ne zaman yetişecek?” | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Oct 12, 2022 6:34


Siz “mizan” deyip sırat-ı müstakîm üzere yürümeye gayret ederken, bir kısım gulyabanîler önünüzü kesebilirler. “Geçmiş ümmetlerin başlarına gelenlere mâruz kalmadan Cennet'e gireceğinizi mi sandınız?” Cenâb-ı Hak, şöyle buyuruyor: أَمْ حَسِبْتُمْ أَنْ تَدْخُلُوا الْجَنَّةَ وَلَمَّا يَأْتِكُمْ مَثَلُ الَّذِينَ خَلَوْا مِنْ قَبْلِكُمْ مَسَّتْهُمُ الْبَأْسَاءُ وَالضَّرَّاءُ وَزُلْزِلُوا حَتَّى يَقُولَ الرَّسُولُ وَالَّذِينَ آمَنُوا مَعَهُ مَتَى نَصْرُ اللهِ أَلاَ إِنَّ نَصْرَ اللهِ قَرِيبٌ “Yoksa siz, daha önce geçmiş ümmetlerin başlarına gelen durumlara mâruz kalmadan Cennet'e gireceğinizi mi sandınız?!. Evet, onlar öyle ezici mihnetlere, zorluklara dûçar oldular ve öyle şiddetle sarsıldılar ki, Peygamber ve yanındakiler, ‘Allah'ın vaad ettiği yardım ne zaman yetişecek?' diyecek hale geldiler. İyi bilin ki Allah'ın yardımı yakındır.” (Bakara, 2/214) Zannediyorum, en ağır olan da bu, Kur'an-ı Kerim'de. أَمْ حَسِبْتُمْ أَنْ تَدْخُلُوا الْجَنَّةَ وَلَمَّا يَأْتِكُمْ مَثَلُ الَّذِينَ خَلَوْا مِنْ قَبْلِكُمْ Sizden evvelkilerin başlarına gelen şeyler, başınıza gelmeden, cennete gireceğinizi mi sanıyorsunuz?!. مَسَّتْهُمُ الْبَأْسَاءُ وَالضَّرَّاءُ Türlü türlü baskılar, tazyikler, balyozlamalar, preslemeler ve aynı zamanda değişik zararlar, ızdırar etmeler karşısında, وَزُلْزِلُوا Sarsıldılar. Sarsılma, devrilme demek değildir. İnsanın, tabiatı icabı, bir yere kadar gücü-kuvveti vardır. Bir yerde belâ ve musibetlerin, esen fırtınaların, hortumların, tayfunların, tsunamilerin şiddetine göre bir insanın şöyle-böyle sendelemesi mukadderdir. Evet, وَزُلْزِلُوا diyor, aynı zamanda sarsıldılar onlar. Öyle ki, حَتَّى يَقُولَ الرَّسُولُ Ta ki Rasûl şöyle dedi. Aslında Rasûller o türlü şeylerde şikâyete girmezler. Fakat himmetleri âli olan insanlar, bir yönüyle başkalarının ızdıraplarını kendi ruhlarında yaşadıklarından dolayı, arkalarındaki insanların immün sistemlerini gözetirler. Onun için, arkasındakilerin mukavemetleri açısından ilk önce “Rasûl” diyor. حَتَّى يَقُولَ الرَّسُولُ Ya Râb!.. Fırtınalar böyle şiddetle eserse, böyle çınarlar bile devrilirse, selviler bile böyle devrilirse, toprak savrulursa, sular köpürür durursa şayet, herkes buna dayanamayabilir! Onun için, Peygamber öne alınıyor orada; حَتَّى يَقُولَ الرَّسُولُ Demek ki, her Peygamberin başına gelen bir şey olması itibariyle, oradaki harf-i tarifi “cins” için ele alacak olursanız, “bütün Peygamberler cinsi” dersiniz veya “istiğrak” için alacak olursanız, o mevzuda bütün Peygamberler, hatta belki verese-i enbiya dahi aynı şeyi söylediler şeklinde anlarsınız. “Allah'ın vaad ettiği yardım ne zaman yetişecek?” Sonra, وَالَّذِينَ آمَنُوا مَعَهُ Onunla beraber olanlar bile. Bir “maiyyet”e mazhar olanlar. “Beyne-beyne” olanlar, Araf'ta duranlar, o türlü durumlarda hemen yeni bir yer, yeni bir yön seçer, hemen durumlarını belirlerler. İtiraf adı altında iftirada bulunur, münafıklık yaparlar. Villalar karşılığında dize gelirler, filolar karşısında dize gelirler. 5-10 lira karşısında dize gelirler. Fakat Nebi ile beraber olanlar, Nebi ile beraber dururlar; “maiyyet-i hâsse”ye mazhar olan insanlar da Nebi'nin dediğini derler: مَتَى نَصْرُ اللهِ Yâ Rabbi! Nusret edeceğin muhakkak da… İnanıyoruz, rahmetin gazabına sebkat etmiştir. Sen Rahman u Rahim'sin. Allah dedikten sonra “Rahman u Rahim” diyorsun, “Hayy u Kayyum” diyorsun. مَتَى نَصْرُ اللهِ Yardım ne zaman?!. Biliyoruz gelecek o ama ne zaman, merak ediyoruz!.. Tayfun, tayfun üstüne; fırtına, fırtına üstüne; tsunami, tsunami üstüne; her taraf işgale maruz kalıyor; “Allah'ın vaad ettiği yardım ne zaman yetişecek?”

Middle Market Mergers and Acquisitions by Colonnade Advisors
MM M&A - 028: Strategic Exit Planning for Equipment Leasing and Finance Companies

Middle Market Mergers and Acquisitions by Colonnade Advisors

Play Episode Listen Later Oct 10, 2022 30:20


In this episode, we discuss strategic steps for Equipment Leasing and Finance companies as they grow and evolve. The leadership of some of these businesses may decide to remain a certain size and complexity and be “ lifestyle businesses”, providing healthy cash flow to the owner(s) while they continue to run the business. However, other options exist, and exiting the business for a favorable multiple to a bank or other buyer can be an excellent strategy, the dream plan for many entrepreneurs.  In this interview, we interview Bob Rinaldi and discuss the potential to grow and leverage a business to realize a win-win exit strategy.  This episode is a great follow-up to our previous show, Start Early & Exit Right, as we dive deep into many of the concepts of M&A rationale. What's unique about this episode is that it is geared toward a specific target audience, our friends in the Equipment Leasing and Finance (ELF) industry. In this episode we cover: How partners such as Rinaldi Advisory Services (RAS) and Colonnade work with Equipment Leasing & Finance (ELF) companies to prepare for a successful sale (1:00) What are the biggest challenges for the independents as they look to be “bank ready” for an acquisition? (4:00)  What are some of the biggest challenges for banks pursuing an acquisition of an equipment leasing company? (9:30) What determines the level of a premium in the sale price that an ELF company can expect? (20:00) What has M&A activity looked like in recent years and what are the prospects? (23:00) What about Private Equity buyers in this space? (26:30) How partners such as Rinaldi Advisory Services (RAS) and Colonnade work with Equipment Leasing & Finance (ELF) companies to prepare for a successful sale (1:00) Bob: My practice has evolved around three target audiences in the equipment leasing space. About 60% of my clients are independent leasing (ELF) companies that I work with through the Confidential CEO Resource℠ model. This is multi-year exit strategy planning. Whether the company exits or not is not important. The idea is to get them from point A to point B so they're prepared if that time comes. The second part of my practice is working with banks, predominantly community banks who are looking to get into the ELF space. Third, I work with a handful of service providers in the industry, as well. Rinaldi Advisory Services (RAS) offers the Confidential CEO Resource℠ (CCR) as a robust, full-scope advisory service that provides clients with a broad base of support for long-term strategic management. RAS works with CEOs and Principals to provide meaningful analysis and actionable insights. The aim is to help ELF senior management arrive at strategic and tactical decisions geared toward managing growth as well as operational and financial efficiencies. Colonnade has deep experience in the ELF industry. Colonnade is a leading investment banking firm that has completed over $9 billion in M&A transactions for clients in the business and financial services industries. Colonnade has advised many companies in the EFL sector on strategic transactions. Please see our Quarterly Updates on the ELF industry here. What are the biggest challenges for the independents as they look to be “bank ready” for an acquisition? (4:00) Bob: The biggest challenge is predominantly that these founders/owners are very much entrepreneurs. They started the business. They're very much involved in the everyday transactional nature of their business. They don't have the time to gain the perspective to look at their company objectively and determine what needs to happen to be a better company from a non-transactional standpoint or to be a better company for the purpose of acquisition. Jeff:  Let's drill down a little bit on some of the biggest challenges for the independents. There's size and scale, where are you today and where are you going? Banks are the natural resting home for specialty finance companies, and ELF companies are such a great asset class for banks in particular. Obviously, they're a number of large independents, but from the bank's perspective, what are the other things you see where companies need to focus? Is it finance and accounting? Is it operations? Is it servicing? Bob: Yes. Yes. And yes. It's really all those things. But even before you get to that, let's look at the business and find components within the business that definitely will never, ever fit in a bank. I'm able to identify those things. You then have to decide what to do with those things. Do I jettison those things completely? Do I sell those off? Do I break it outside of the company and put it in a separate entity so that what is left is sellable and simple to understand? Compare that to a buyer looking at the company and thinking, “I like this, I like this. I hate that. Therefore, I'm not doing it [the acquisition].” For example, say that there is a heavy services component of the (ELF) business; services component being something that has morphed, be it operational leases or servicing equipment that is leased. A bank can't be in that business. If that is an absolute key critical component to your leasing business, then a bank buyer is probably never going to be the buyer, which is going to leave you looking at non-financial institutional-type buyers, and they're fairly limited, so that's a problem. That is when you look at it and go: “If that's what we're always going to do, then this maybe is just going to be a lifestyle business. Let's just find ways to improve the income generation, the profitability, and keep it as a lifestyle business.” What are some of the biggest challenges for banks pursuing an acquisition of an equipment leasing company? (9:30) 1) The banks must use experienced advisors who understand the appropriate valuation models. Bob: If the bank has not been in the business before and their only experience with acquisitions has predominantly been buying other smaller banks, the first challenge is the valuation models. Banks are used to paying a multiple of book value. Leasing companies are not valued that way; their valuation is based on a multiple of earnings or pretax adjusted net income. In a typical leasing company, most of the leases are on a fixed term, fully amortizing type of a structure; therefore they just generate income. But the assets don't stay on the balance sheet that long, they continually roll-off at a rapid rate, so you've got to keep putting on more. It's really not an asset play as much as it is a net income play. Jeff: When we talk to banks as acquirers of these businesses, from either the buy-side or the sell-side, you're absolutely right. It's all about the income-generating opportunity. Yes, there are assets associated with it, but much more importantly, it's “What's the potential earning stream for this business within the bank?” (See: Discover the Rationale for a Synergistic Business Merger). Bob: That really comes down to the financial institution's advisor, a buy-side advisor. If they've not had much experience in the equipment leasing space, especially current experience like Colonnade has, they're already at a very big disadvantage because now you've got two entities that are blind and stating the same thing and focused on book value, so they're getting bad advice along with their own preconceived ideas. That's like a double whammy right out the gate. It's common when you find that a bank or their board, for whatever reason, have just got very comfortable with a buy-side advisor, who has never had that much experience at it but they've just gotten very comfortable with them and they wouldn't even conceive of going outside. A lot of this gets really back down to, “Is the bank nimble? Is the bank flexible? Does the bank have a CEO that has cut a bigger vision?” The same thing with the board, the death of any kind of an institution is just getting so stuck in your way that you just can't get out of it. 2) The CEO of the bank must have a visionary leadership style that allows the acquired company to thrive. Bob: It all still goes back to the CEO of the bank and how progressive they are, how aggressive they are. And aggressive does not mean they're careless. Jeff: The folks that we generally work with on the banking side have made that decision. They said, “Okay, we're going to get into specialty finance. We want to do it in X, Y or Z asset class, and we have the headset to bid accordingly, and that these businesses are valued differently than bank deals. The multiples are different, the metrics are different. We're committed, we've got board approval, we've got senior leadership approval and we're going to go ahead with it.” Bob: You and I know one of the smartest, most aggressive community bankers: Chuck Sulerzyski ​of Peoples Bank of Marietta, Ohio. Peoples Bank is located in the Southeast corner of Ohio, squarely in Appalachia country. How does a bank that size, originally ~$1 billion in assets when he took it over and roughly $7 billion today, make such successful leasing company acquisitions? One located in Vermont and one located in Minnesota? If you take a look at the numbers, the ROA and ROE of the bank have improved dramatically. Their yields and spreads have increased dramatically. Their asset growth has increased significantly in the commercial real estate (CRE) and in the commercial and industrial (C&I) sectors. His shareholders are being rewarded handsomely and will continue to be. Jeff: Chuck sets a great example. He has been aggressive in good ways. Peoples Bank also acquired an insurance premium finance company, and they're diversifying.  Chuck has the right headset in that he looks to acquire businesses to expand and diversify their geographical footprint. That's a real success story, in my view.  Bob: If you're going to acquire a leasing company that's growing, that's used to growing assets, the last thing you want to do is turn them into a bank. That's the whole premise for why you're going to buy a leasing company – is to expand the scope of the bank, not to contract it. It requires an introspective look of the CEO and his team: can they make an acquisition and not micromanage it and end up turning it into a bank? 3) Banks must be able to create objectives around diversification of geography and asset classes.  Bob: Equipment leasing is not a geographic-specific industry unlike, let's call it, commercial real estate. Banks are very familiar with commercial real estate. Real estate is always local. Commercial real estate is local, you've got to know the geography that you're in very well so that you understand the commercial real estate in that market. Banks must understand what they're trying to achieve in three to five years in terms of what percentage of their (Commercial and Insurance) C&I assets they want in various sectors.  How much do they want to get to in ELF? What do they want it to look like in three years, four years? Depending upon how big that number is, that determines the modality of the type of equipment leasing business you could get into. There are multiple facets to the equipment leasing industry: 1) small ticket, (transactions less than $250,000), middle-market/mid ticket (up to $5 million per transaction size), and large ticket (above $5 million per transaction). Jeff. Take Wintrust. They're not really “a bank”. More than 40% of their loan portfolio is insurance premium finance. They've got a big equipment finance business on top of that. There's probably 50% to 60% of loans that are non-traditional banking assets. As a result, the ROA on that bank is considerably higher than its peers; and as a result, the stock trades higher.  And Peoples, as we've discussed, has the right headset that they need to acquire or look to acquire national platforms outside of Marietta, Ohio. Obviously, they've done some bank acquisitions too in footprint, but expanding to get national business is part of the CEO's strategy.  What determines the level of a premium in the sale price that an ELF company can expect? (20:00) Bob: It falls under the quality of earnings, platform, and quality of human resources. Quality of earnings: I think about the repeatability of the earnings, as opposed to having a trend line of earnings that is a sawtooth (up and down, up and down). Quality of earnings should be fluid and show continued ramped-up growth over a period of time. Platform: The ability to scale. What's their technological capability? What's the platform built off of, is it homegrown? Is it well protected? Is it SOC compliant? If you had more capital, can you scale it? Quality of human resources: What does the management team look like? What's the average age of the team? What are their qualifications? What does the core management team look like behind them? If you cover all three of those pretty darn well, you're going to get the higher end of the premium scale for sure. What has M&A activity looked like in recent years and what are the prospects? (23:00) Bob: Activity's been strong for the past few years. Part of the activity was exacerbated when everybody thought that in 2021 there was going to be a new tax act and capital gains were going to go up.  The biggest reason over the past four to five years is because you've got an aging-out (in the midst of the Great Resignation) of the Principals of these companies. It's just a normal progression, and it happens every five years or so. You get a number of individuals who have had their own leasing companies who started them 20 odd years ago. If they started 20 years ago, here we are 20 years later, they're in their mid-60s to late 60s. If they don't get out now, when are they going to exit? Because typically there's going to be an earn out. If you wait till the age of 70 to get out, you may be working on an earn out between the ages of 70 and 73. On top of that, there's the aspect of an ELF company having a capital constraint. At some point, their capital is not going to hold them to keep borrowing on their line of credit because the debt-equity ratios will get too high and they'll have a hard time borrowing. It's really at about that time when they have to start thinking about what's next. Do we bring in another equity partner? Do we bring in some sub-debt? All that does is kick the can down the road. And I always tell them at that point: “You're already selling part of the company. Just sell the whole thing.” Listen to this podcast episode/read through the shownotes to see the Four Reasons Company Owners Consider a Transaction (15:25) What about Private Equity buyers in this space? (26:30) Jeff: We regularly get calls from folks looking to find platforms to acquire and build upon. There are some opportunities there: To remain independent, nimble, and flexible outside of the bank model, and take in additional capital to grow and potentially enhance the financing capabilities through securitizations and others. Bob: The equipment leasing industry is a fairly mature industry. It's fairly sophisticated. For an independent leasing company to bring in private equity, I see that as only a solution if you don't believe you're able to sell the whole company right now. The PE firm is investing to get double-digit returns, so that means they're going to come in and put you (as the owner/operator) on a huge ramped-up treadmill. You are going to have to keep up or they're going to lose interest. And you've sold part of the company. Now, granted, you've got a smaller piece but now have a bigger pie.  Jeff: That makes sense. There are some examples of successful private-equity-backed equipment finance companies, but as we have found – the universe of financially oriented sponsors that really want to put a lot of capital into the business and are willing to wait a long time to get their return – is quite limited. Most folks attack it from the financing standpoint. It can be a good option if you have an aging founder that wants an opportunity to take some chips off the table and let the next generation continue to run it. But you're right, it is a different exercise being put on that treadmill. Bob: It's a much different exercise. On the other hand, where it does work really well, is when a PE firm is backing a very experienced individual or a team who is going to start up a new entity. They could start this new entity and scale quickly with the help of private equity. They'd have a chance to really leverage that with some serious growth. Then it makes complete sense.

The Football Analytics Show by The Power Rank and Ed Feng
Mike Craig on college football in 2022

The Football Analytics Show by The Power Rank and Ed Feng

Play Episode Listen Later Oct 5, 2022 62:24


Mike Craig, a long time professional sports bettor who also works with Right Angle Sports (RAS), joins the show for a wide ranging conversation. Highlights include: His decision to join RAS this college football season (2:39). How RAS comes up with their college football plays (5:44). His process, both objective and subjective, for betting college football (20:40). An example of adjustments based on TCU at Oklahoma in week 5 (26:57). TCU at Kansas (34:49). A college football bet for week 6 (37:21). A college football team to bet the under (40:40). Michigan State (42:29). Advice for a new, ambitious bettor (48:34). The Football Analytics Show is presented by The Power Rank, a site devoted to predictive analytics for football betting. To get the free sports betting newsletter, click here: https://thepowerrank.com/ Support the podcast: https://www.patreon.com/footballanalytics

SWR3 Talk mit Thees | SWR3
Umes Arunagirinathan

SWR3 Talk mit Thees | SWR3

Play Episode Listen Later Oct 2, 2022 60:58


Im Alter von 13 Jahren kam er wegen des Bürgerkriegs als unbegleiteter Geflüchteter aus Sri Lanka nach Hamburg. Dort machte er sein Abi, studierte in Lübeck Medizin und ist jetzt Herzchirurg am Klinikum Links der Weser in Bremen. Regelmäßig sucht er den Dialog mit Ras­sis­t:in­nen. Mit seinem Buch „Grundfarbe Deutsch“ will er aufklären. Vor allem die Menschen, die Ankommenden gegenüber skeptisch sind. Anhand seiner Biografie beschreibt er, mit welchen Schwierigkeiten farbige Menschen zu kämpfen haben. Doch er sieht sich nicht als Opfer. Und er schreibt Bücher – über das deutsche Gesundheitssystem („Der verlorene Patient“) und über seine Flucht als Tamile aus dem Bürgerkriegsland Sri Lanka („Allein auf der Flucht“ und „Der fremde Deutsche“).

Par Jupiter !
Ras la chatte du mollah !

Par Jupiter !

Play Episode Listen Later Sep 30, 2022 3:21


durée : 00:03:21 - Le Billet de Charline Vanhœnacker - par : Charline Vanhoenacker - Charline évoque le soulèvement en Iran...

Hizmetten
"Neden bunca dert, bela karşısında, ciddî bir ses yok" | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Sep 24, 2022 8:09


Bu video 30/10/2016 tarihinde yayınlanan " VUSLAT İŞTİYÂKI VE TEMİZ KALBLERİN NİYAZI" isimli bamtelinden alınmıştır. Tamamı burada: https://www.herkul.org/bamteli/bamtel... “Ey Rabbimiz, ey Rabbimiz, kalblerimizi temizle ve bizi kurtuluşa erdir!..” Cيَا رَبَّنَا يَا رَبَّنَا، طَهِّرْ قُلُوبَنَا، نَجِّنَا demeliyiz. Böyle kardeşlerimiz hakkında da olabilir. Çünkü farkına varmadan, Cenâb-ı Hakk'ın ihsanları ölçüsünde, o ihsanlara göre bir tavır belirleyememe olabilir. Bu da esasen, bir nevi münasebetsizlik ve saygısızlık olur. Hani nasıl Ezvâc-ı tâhirât için de deniyor: يَا نِسَاءَ النَّبِيِّ مَنْ يَأْتِ مِنْكُنَّ بِفَاحِشَةٍ مُبَيِّنَةٍ يُضَاعَفْ لَهَا الْعَذَابُ ضِعْفَيْنِ “Ey Peygamber hanımları! İçinizden kim (Rasûlullah'a eza etme, gıybette bulunma, birine iftira atma vb.) çirkinliği aşikâr bir günah işlerse, onun cezası iki kat verilir.” (Ahzâb, 33/30) Mecelle'deki disipline göre بِحَسَبِ الْمَغْنَمِ اَلْمَغْرَمُ “Elde edilen ganimet ölçüsünde altına girilen risk ve meşakkat de artar veya azalır.” Peygamber hânesi, vahyin sağanak sağanak yağdığı bir yer. Öbür tarafta da beraber olacaksınız. O'nun mübarek mahiyeti, bakışı, insanın içindeki buz dağlarını eritiyor… Dolayısıyla, bir yönüyle, “Bu kadar avantajlara karşılık, siz hâlâ o mevzuda çok küçük bir inhirafta bulunursanız, bilmelisiniz ki onun kat kat cezasını çekersiniz!” deniliyor. Şimdi, kardeşlerimiz içinde de, hakikaten nezâhet-i kalbiyelerini, ruhiyelerini, hissiyelerini, sırriyelerini koruyan insanlar çoktur. Fakat hani حَسَنَاتُ اْلأَبْرَارِ، سَيِّئَاتُ الْمُقَرَّبِينَ “Ebrâr adına iyilik kabul edilen bir fiil, daha ileri seviyede bulunan mukarrabîn için günah sayılabilir.” hakikati açısından, acaba Cenâb-ı Hakk'ın eltâf-ı sübhaniyesi ölçüsünde, tam ona denk, ona mukabil, gerekli olan hassasiyeti göstermişler midir? Sen kendin için dedin, ben de kendim için diyeyim. Her zaman da diyorum: Benim yerimde, bu Hizmet'te, bunca arkadaşın içinde, bir başkası olsaydı, kim bilir bu Hizmet kaça katlanırdı?!. Evet, insan kendine öyle bakmalı. Fakat öbürleri için, kardeşlerimiz için “Kalbleri kirlenmiş bunların, levsiyâtla mâlemâl, onların kalblerini de bu türlü şeylerden temizle!..” gibi mülahazalara girdiğimiz zaman, hiç farkına varmadan suizanna girmiş oluruz. Belki elimizde olmayarak, beklediğimiz canlılığı göremediğimizden, heyecanı göremediğinizden, hafakanı göremediğimizden dolayı, bazen böyle suizan esintileri esebilir kafamızda. Böyle kızıl kıyamet kopuyor, yangınları yangınlar takip ediyor; insanlar bir çağlayana salmışlar kendilerini, nereye gittikleri belli değil; böyle, hedefsiz yürünüyor, pusulasız yürünüyor… Bunlar karşısında, bir insanda hâlâ biraz insanî heyecan, kardeşlik şefkati, insanlık mürüvveti harekete geçmiyorsa, hâlâ insanlar canlı cenâzeler gibi davranıyorlarsa, elimizde olmayarak, kafamızda bir kısım suizan esintileri olabilir. Belki o zaman da hemen geriye bir adım atıp “Belki ben yanılıyorum ya Rabbî!” demek gerekir.

The Happy Hustle Podcast
The More Specific, The More Terrific: Attract Your Perfect Referrals Like This with Cary Jack

The Happy Hustle Podcast

Play Episode Listen Later Sep 23, 2022 21:34


How do you attract your perfect referrals?In this episode of the Happy Hustle Podcast, I share with you how you could become more specific with your business andyour personal life, and everything in between. I also share how the articular activating system works, which is a part of the brain that helps you attract the things that you desire. My buddy Rory Vaden, the co-founder of Brand Builders Group, Hall of Fame speaker, and New York Times best-selling author, was talking about this concept of " The more specific, the more terrific". Our brain has what is called the “Reticular Activating System," or RAS. It is responsible for narrowing all of the inputs from our senses down to those it thinks are relevant for us to know about. This is incredibly powerful and it can be trained to help you know our lives and how we live them in ways that we didn't even think of, specifically when it comes to referrals. The more specific you are about what you do and who you do it for, the more referrals you will receive.Training your brain to be very specific and very clear will help you achieve that, like the law of attraction, which is pretty legit and is a real thing.So being more specific is terrific if you want to get referrals. By doing so, you will maximize your potential to be referred, which can make all the difference when it comes to growing your business. Give it a shot and I guarantee you that you will Happy Hustle your dream reality!Connect with Cary!https://www.instagram.com/cary__jack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featuredGet a free copy of his new book, The Happy Hustle, 10 Alignments to Avoid Burnout & Achieve Blissful Balance https://www.thehappyhustlebook.com/Sign up for The Journey: 10 Days To Become a Happy Hustler Online Course http://www.thehappyhustle.com/JourneyApply to the Montana Mastermind Epic Camping Adventure https://caryjack.com/montana“It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!”Episode sponsorIt's hard to overstate how important magnesium is for all aspects of our health. Almost everyone now talks about how critical Magnesium is for us, Dr. Hyman, Andrew Huberman, all of the health industry authorities, and doctors. There is a long list of symptoms and diseases that can be eased or even treated with magnesium. In fact, way back magnesium was a critical element. Doctors used magnesium for all kinds of conditions, from arrhythmia to constipation, to preeclampsia, and even seizures. For some reason, now doctors use it as a last resort and put patients on high doses of Magnesium if they are at risk of premature labor, seizure, and other very serious conditions.It's really essential to our health and our wellbeing. This is a huge problem because magnesium deficiency can increase your risk of all diseases and keep you from performing optimally. We shouldn't wait until we are Magnesium deficient!And even more critically, there's not just one type of magnesium. There are seven different types that we need in order to ensure both our health and vitality remain strong.  Fortunately, BiOptimizers has the solution. Their Magnesium Breakthrough supplement is the only product on the market with all seven types of magnesium. And it's specially formulated to reach every tissue in your body to provide maximum health benefits. BiOptimizers Magnesium Breakthrough gives you access to the full spectrum of magnesium, which can dramatically improve your overall health, from reducing stress to improving sleep and boosting your energy levels. Right now you can try BiOptimizers, magnesium breakthrough and any other BiOptimizers product for 10% off, just go to www.magnesiumbreakthrough.com/hustleDon't wait to be deficient, start taking the best magnesium and improve your wellbeing right now!. Just go to www.magnesiumbreakthrough.com/hustle

Hizmetten
Var mı bu mevzuda “ben!” diyen? | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Sep 22, 2022 7:14


Bu video 30/10/2016 tarihinde yayınlanan " VUSLAT İŞTİYÂKI VE TEMİZ KALBLERİN NİYAZI" isimli bamtelinden alınmıştır. Tamamı burada: https://www.herkul.org/bamteli/bamtel... “Benim bayramım Sana kavuştuğum gündür!..” Hazreti Ömer (radıyallahu anh), bir gün coşup O'na (sallallâhu aleyhi ve sellem) karşı sevgisini ifade ettiğinde, “Yâ Rasûlallah, Sen'i, kendimden başka her şeyden fazla seviyorum!” demişti. Gerçekten öyledir. Fakat meseleyi o andaki ufka bağlı, o andaki kalbin tarassuduna bağlı olarak anlamak lazımdır ki bunun manası şudur: “Çok rahatlıkla ben eşimi, çoluk-çocuğumu, evlatlarımı Sana kurban edebilirim!” Hazreti Ömer, Rasûl-i Ekrem Efendimiz'e (sallallâhu aleyhi ve sellem) karşı dile getirdiği böyle bir ifadeye, böyle bir itirafa mukabil beklediği cevabı almıyor. Efendimiz (sallallâhu aleyhi ve sellem) kemâl-i ciddiyetle meselenin hakikatini vurguluyor; “Yâ Ömer! Beni kendinden de artık sevmedikçe hakiki imanı elde etmiş olamazsın!..” diyor. Var mı bu mevzuda “ben!” diyen?!. “Ben, Seni aile efradımdan, dünyamdan, mal u menâlimden çok daha fazla seviyorum! Öyle ki ölümü, bir şeb-i arûs gibi bekliyorum. Ama izin henüz Sen'in tarafından çıkmadığından dolayı, ‘emre itaatteki incelik'e bağlılık içinde Sen'den ferman geleceği âna kadar bu zehir-zemberek firkate, bu dâüssılaya katlanmaya çalışıyorum. Yoksa, derdim Sen'sin. Benim bayramım Sana kavuştuğum gündür!..” Kaç insan gösterebilirsiniz böyle söyleyebilecek olan?!. Kendi dünyanızda.. serkârlarınızda.. zâviyeleri tutanlarınızda… Hazreti Ömer, o zaman kükrüyor; “Yâ Rasûlallah! Şu andan itibaren, içimin sesi, Sen'i nefsimden de artık seviyorum!..” diyor. O nasıl bir tabiat ve nasıl bir fıtrat ise, hemen, birden bire bir amudî yükseliş ortaya koyuyor. Dikey yükseliş demek; kavsî değil, ufkî değil, amudî yükseliş; birden bire. Bu, Hazreti Ebu Bekir gibi kimselerde, Hazreti Ömer gibi kimselerde, Hazreti Ali gibi kimselerde, Hazreti Osman gibi kimselerde, Hazreti Hâlid gibi kimselerde (radıyallahu anhüm ecmaîn) görülüyor. Birkaç senede ihsan ufkuna erenler olduğu gibi yıllarca kâmil imandan nasipsiz gezenler de var. Hazreti Hâlid'in Peygamber Efendimiz'le mevcudiyeti üç sene. O ne kazanımdır?!. Cennetleri peyleyebilecek bir ufku ihraz ediyor. Evet, vefat ederken arkada bıraktığı şey, sadece sırtına binip savaştığı atı, kullandığı kırılmadık kılıcı. (Elinde yalnızca Yermük'te on beş tane kılıcın kırıldığından bahsederler.) Ve bir de oku ile yayı. Onun için, Hazreti Halid ruhunun ufkuna yürürken başında bulunan Sa'd b. Zeyd hazretleri diyor ki: عَاشَ حَمِيدًا، مَاتَ فَقِيدًا “Hazreti Halid, herkesin övdüğü bir kumandan olarak yaşadı, İslam'ın bir yitiği olarak gitti.”

Hizmetten
“Dişimi sıkıp sabredeceğim!..” | M.Fethullah Gülen Hocaefendi

Hizmetten

Play Episode Listen Later Sep 21, 2022 6:12


Bu video 06/11/2016 tarihinde yayınlanan " DEFİNEYE MÂLİK VİRÂNELER VE ÇAĞIN GARABETİ" isimli bamtelinden alınmıştır. Tamamı burada: https://www.herkul.org/bamteli/bamtel... “Sabır, kendisinden daha acısına sabredeceğimi bileceği âna kadar dişimi sıkıp sabredeceğim!..” Bütün bunlara karşı size düşen, اَلصَّبْرُ مِفْتَاحُ الْفَرَجِ “Sabır kurtuluşun sırlı anahtarıdır.” hakikatine binâen, her şeyi görüp bilip mızraklandığınız halde, süngülendiğiniz halde, dişinizi sıkıp aktif sabır içinde, aktif sabrı ferecin sırlı bir anahtarı bilerek sabretmektir. Hazreti Ali'ye dayandırılan bir sözde ifade edildiği gibi: سَأَصْبِرُ حَتَّى يَعْلَمَ الصَّبْرُ أَنِّي صَبَرْتُ عَلَى شَيْءٍ أَمَرَّ مِنَ الصَّبْرِ “Sabrın sabırdan daha ötesine/acısına sabredeceğimi bileceği âna kadar dişimi sıkıp sabredeceğim.” Öyle bir sabredeceğim ki, sabır, kulak kesilip dahasına sabredeceğimi anlayacak!.. Kolumu koparmışlar, Hallâc gibi.. ayağımı kesmişler.. veya Mus'ab b. Umeyr gibi, bir kol gitmiş, öbür kol da gitmiş, bir bacak da gitmiş. Boynunun gittiğini bilmiyorum fakat inandığım bir hocaefendiden dinlemiştim; bunu, Siyer'de görmedim: Boynuna kılıç inerken, hicap duyarak, ağlayarak başını yere koymuş, “Hâlâ bir boynum varken, O'nu (sallallâhu aleyhi ve sellem) koruyamadım; O'na kalkan olamadım!” demiş. Böyle bir muamelede bulunsalar… “Gelse Celâlinden cefâ / Yahut Cemâlinden vefâ / İkisi de cana safâ / Lütfun da hoş, kahrın da hoş.” Değil mi ki Sen teveccühte bulunurken, Kendine imrendiriyorsun, Kendini sevdiriyorsun! Değil mi ki Sen, tedip ederken, bizi günahlarımızdan arındırıyor, huzuruna pîr u pâk olarak almak istiyorsun. Bizim için o da hoş, o da hoş!.. Ashâb-ı Uhdûd gibi eziyet etseler, cenderelere koysalar, günün tankları altında, paletleri altında ezseler… Yol, Rasûlullah'ın (sallallâhu aleyhi ve sellem) yolu ise; ferman, Allah'ın fermanı ise; yürünen yol, Ehl-i sünnet ve'l-cemaat'in yolu, “Bû Bekr u Ömer u Osman u Ali”lerin (radıyallahu anhüm elfe merrâtin) yürüdüğü şehrâh ise… Şehrâh, çok şeritli, yürümeye çok müsait, trafik olmayacak şekilde yürümeye müsait hazırlanmış bir ana cadde. Yol o ise ve o yolda yürüme adına yöntem de onlara ait ise, bence ne olursa olsun, hepsi hafif gelir. Şu halde, gelin, etmeyin, câhil ile ülfet!..

VSiN Best Bets
A Numbers Game | September 21, 2022, Hour 1

VSiN Best Bets

Play Episode Listen Later Sep 21, 2022 44:50


In hour one of A Numbers Game hosts Gill Alexander and Kelley Bydlon are joined by Sia Nejad, NFL and PGA Analyst for Win Daily Sports, as they preview the upcoming Presidents Cup and the Week 3 NFL slate. Also on the show is Michael Craig, Right Angle Sports, as he gives out the one game RAS likes this college football weekend. See omnystudio.com/listener for privacy information.

A Numbers Game
A Numbers Game | September 21, 2022, Hour 1

A Numbers Game

Play Episode Listen Later Sep 21, 2022 44:50


In hour one of A Numbers Game hosts Gill Alexander and Kelley Bydlon are joined by Sia Nejad, NFL and PGA Analyst for Win Daily Sports, as they preview the upcoming Presidents Cup and the Week 3 NFL slate. Also on the show is Michael Craig, Right Angle Sports, as he gives out the one game RAS likes this college football weekend. See omnystudio.com/listener for privacy information.

Working Capital The Real Estate Podcast
Titles is Real Estate Capital Markets with Richard Chilcott | EP121

Working Capital The Real Estate Podcast

Play Episode Listen Later Sep 21, 2022 48:14


Richard Chilcott is a Principal with the Avison Young Capital Markets Group providing acquisition and disposition services of investment properties to financial institutions, REIT's, private investors and pension funds. Richard began his career in 1991 with Hans House Group, a private investment and development company based in London, England. Since joining Avison Young's Toronto Capital Markets Group in 2001 Richard has been involved with transactions totalling in excess of $5 billion. In over 25 years of commercial real estate practice Richard has completed a wide variety of real estate transactions ranging from smaller private client businesses to more complex portfolio transactions   In this episode we talked about: Richard's Bio & Background The transition from the USA to Canada First Notable Transaction Corporate Real Estate The Impact on Richard's Business over the last 2 years Comparison between Surburban and Downtown Office  Interest Rates Environment Real Estate Industry Outlook Richard's Advice to Beginners in Real Estate Mentorship, Resources and Lessons Learned Useful links: https://www.linkedin.com/in/richard-chilcott-946b5a3/?originalSubdomain=ca Transcription: Jesse (0s): Welcome to the working capital real estate podcast. My name's Jessica galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Ladies and gentlemen, my name's Jessica galley, and you're listening to working capital the real estate podcast. My guest today is Richard Chicot. Richard is a principal with Avis and young capital markets group providing acquisition and disposition services of investment properties to financial institutions, res private investors and pension funds.   Richard began his career in 1991 with the Hans house group. We now know that there's over 25 years of commercial real estate experience. And Richard has completed a wide variety of real estate transactions ranging from smaller private client business to much more complex portfolio transactions, Richard, how's it going?   Richard (1m 2s): Great. Thanks Jess. It's good to be here. That's a great intro. And it, it, it does seem like I've been here a long time. If you say   Jesse (1m 8s): 19 91, 19 91. So you you've, you know that it's funny, a lot of the investors, you know, you won't work with certain sponsors of deals unless you've been through some version of oh eight or 90, you know, their early nineties or some sort of recession to, to kind of understand that the, that we, we live in a cyclical real estate environment.   Richard (1m 29s): Yeah, it totally is cyclical. What we're in right now, I think is, is different and a bit more challenging. And I don't have a longevity for that. So I've actually been trying to find some sort of the people who are senior to me and some of, some of the mentors I've had over the years, days, what happens during inflationary periods. That's an interesting,   Jesse (1m 49s): Yeah, you don't, you're saying you don't remember the panic of 1907.   Richard (1m 54s): No, no. Although someone the other day suggested I should know what was going on in the 1970s and eighties with inflation and strikes and I guess fuel shocks and things like that. So I can just don't remember that at all.   Jesse (2m 9s): I can just hear my dad double digit interest rates, but before we, we delve into some of the more topical stuff, maybe for, for listeners, you can give a little bit of a background of, of how you got started in real estate and kind of the path that you took to, to where you are today and have been for the last little while at Davison young.   Richard (2m 30s): Yeah. There's, there was sort of one major, major turn in my career when I, when I changed country and went from, from the principal side to agency brokerage. And that was 2001. But before that, it was pretty hard to get, I always wanted to be in real estate. Half of my family was in commercial real estate. The other side was engineering. And that was always the choice, I think. So I looked at other things, not wanting to make a choice, but in the end sort of real estate got me, but it was not easy finding a place to start in the early nineties.   So that was in London, London, England, and I got a job and I had a high following title of surveyor for car parks. That was my job. And I was responsible. I, I remember when was 16 or 18 car across, I think all in England, different parts of it. And they, none of them were automated and it was my job to look after everything, to everything, to do with those car as a young sort of 21 year old guy at the end of 91.   And I think the people that worked for me totally saw me coming. And, but eventually we sort of got to grips with it, but that was sort of a fun experience as you start off on a very limited understanding of anything, really, and then you sort of, you have responsibility and you grow it from there, but that was an interesting company. It was a development company that would turn its hand to almost anything, right? So they built a, it was a redevelopment company. So you look at being, being such a heavily, already built environment.   You could be incredibly creative. You could look at an office building and wonder if you could turn that into a hotel or you could. The one deal we did was a, a pumping station used to pump water in and out of a shipping base, right by tower bridge in London. And we managed to get an option on this building. And then we decide the best thing to do would be to let's make it a residential building. And so we sort of punch this glass funnel through the middle of there, which, which is where the apartments are gonna be.   That was in the mid nineties. And things just started taking off. So started off as car park and then sort of shifted out of that is more like an administrative role into other things. We built some pretty cool things. A lot of the times we would entitle sites come up with a concept and then sell 'em before construction. It was a small company. It was great fun. Hmm. And then in the end I moved to Canada. So that was 2001, everything, everything for me ended at one, I married a Canadian in London and that was the deal.   So we were shoot to three years in London and I'd do three years in Canada and we would end up where we ended up. So I don't think we ever look back, but Canada's an amazing, an amazing place. UK's an amazing place too. So I've just been back and it's, you, you, you remember all the wonderful things that I got up to there, and what's just an amazing vibrant environment, but Canada's got lots going for it when you're sort of starting a young family and other things like that. So,   Jesse (5m 46s): So that transition, that transition from the UK to Canada, the, did that, did that coincide with working over here for a, a UK based company? Or did you switch jobs with the   Richard (5m 60s): Move? No, it was a complete switch. I didn't actually have a job when I came. It was just, it was, it was a good sort of break in deals. And I knew I had to do my three years. And so it just a good time. And my wife had got a great job back in Toronto where she's from. And so it was just if it didn't work out, we'd go back. Right. So it was, we were pretty lucky. We were very lucky immigrants, right. We had a great job to go to and no language barriers and things like, so we were, we, we were pretty privileged in how we could go back boards if we wanted to.   Jesse (6m 32s): Yeah. Pretty good. When you're coming from, from the country that invented the language.   Richard (6m 38s): So it sort of invented itself if you think about it.   Jesse (6m 43s): The, so when you came over here, you kind of, as you got into the job market was Avison young. Did you start in 2001 at Avison young? Is, is that I   Richard (6m 53s): Did. I got a, I got a, I didn't know what I wanted to do, but obviously I had a real estate background. Yeah. And it was a pretty quiet time in Toronto at that time. I think the, the tech crash was in full swing and I don't think Toronto had actually recovered from its late eighties, early nineties crash. Whereas London already had, London's a bit of a hedge fund economy sort of boom and bust. And it rebounded super quick. I don't think Canada had, there was still the stump that, and, you know, SAU hadn't been built, but it was, it, there was still construction and development, but it was   Jesse (7m 30s): Sorry by, by the stump we're talking about bay Adelaide parking lot bay   Richard (7m 34s): Adelaide was. Yeah. I think I only saw the end of the stump. I think it was there from the early nineties. So   Jesse (7m 40s): For, for non sorry for non-Canadian listeners bay, Adelaide was probably the, the, the textbook example of something that was built and never finished until the economy recovered. But yeah, that's, it's, it's such a good meme or, you know, symbol of, of that time and   Richard (7m 57s): Error. I think it was the elevator shafts, the sensational office building yet to be built, which was still because of the recession. So it was, but the parking lot was built. Like all of the underground was done. It was a fascinating you're right. It was at the time you could just, you could, it was, you could see where the economy had stopped. Like you'd actually physically see, see it, which was interesting.   Jesse (8m 20s): Yeah.   Richard (8m 21s): But, but Canada was, there was a lot of, there was a lot of suburban development, but particularly in residential. So it was sort of Greenfield, you know, large housing estates and subdivisions, which I was, which is a complete to what I've been doing in, you know, the city was from, so I did, I went for a few interviews. I went for, I went and I got offered a couple of things. Someone actually famously said, you, you, I wanna offer you this job, but you'll stay for four months, which was sort of interesting.   So anyone's listening as I think a lot of people have had that where you, you sort of, you overqualified. Yeah. But you're not overqualified cuz you went for the job. So, you know, I would tell all the employers take these people. They, they could be pretty loyal and stay with you. And in the end it, it became, the realization came to me that I just don't think I could do development and I didn't really wanna do asset management or anything like that. And so I couldn't continue what I, what I'd been doing before.   And I had sold a whole bunch of investments for our, our company in London through some agents. And then they set me up with a large international brokerage and they actually offered me a job which was greater than, and I didn't take it. They sent me to see a whole bunch of expats. And is there a difference between agency brokerage, each side of the pond? Is there a difference in how people are and businesses are and things like that? I, it didn't cross my mind any, there were any differences, but they me to see all these expats and they said, look, you know what, when you, when you come over, you might want to, you might wanna start in a village, right?   And that village will make sure that you are meaningful and that you've got a contribution and you sort of find your feet and then you can go and join the big company. That was what they said. So at the time Aon was Aon was a very small company, but a number of these people, I think I went to see eight people. And I think four of them, many of whom is still the business said, no, you should go and see a guy called Robin Whiteson young. Who's Robin is an itself.   And so I came to Robin, this company full of Canadians and a couple of Brits in it. And it was just a great little company. And you could just, it wa because that time wasn't about the money, it was about just feeling, you know, making a new life somewhere new on my own. Right. So I certainly didn't wanna have my entire life wrapped up with my wife's life. Yeah. Might edit that out. I dunno. It's possible to leave it in, leave it in. But yeah. So the idea was to sort of create your own, your own life business and, and with the, and with the people in business that you wanna be with.   So, and then, so I stayed. So I actually went into, I worked for, for the investment department and I actually took a step back. So you learn a lot of humility when you, when you do things like that, you take a step back. And from being who I, I thought I was, you know, a pretty hot young developer with everything going for me. And then you come and work for a company and you've become, you become the assistant. So I was the investment department assistant. I went actually from having my own secretary in London to actually typing people's emails.   There were some people at Aon years ago who didn't want to convert to doing things like that themselves in 2001. And I actually typed their, they would, they would give me scraps of paper and I would type their emails for them and improve them in bigger. And I do the financial underwriting and analysis too. So, yeah, but that was, that was quite the experience. Just taking a step, you take a step back to go forwards.   Jesse (12m 12s): Yep. Absolutely. It's one of those things where, you know, even, well, we call them associates now, but the, you know, the assistant aspect, it's just the nature of real estate for anybody that's, especially on brokerage. They want to break in. I'm curious, the, I don't think we've ever talked about this in terms of the real estate or redevelopment, the, the UK version of real estate and, and the way people operate in this space. Did you know, were there some stark differences between Canadians and real estate, which I assume somewhat similar, maybe not as aggressive to our us counterparts, but did you notice a different way of working between the UK and Canada?   Richard (12m 51s): Yeah, I mean, in terms of market to market, Canada is a real interesting place because it has its its major connotations and is a major country in terms of population and GDP, but it's very spread out. So you don't actually see that same power as you would in, in a country of an equal size. Now I know the UK's bigger, but you don't see it because it's geographic sort of spread. If you know, Vancouver exists at one end of Ontario and Montreal, the other end of Ontario you'd have these sort of three powerhouses and put Calgary somewhere else.   It would be incredibly vibrant and very competitive place because of the geographic difference. You found that there, it wasn't an enormous marketplace. You found people operated in a marketplace and there was a certain amount of them. And so everyone had that sort of dis everything was dispersed. And I think the other thing which was great is that you could telephone and speak to anybody. And I think you still can in Toronto and it's, I don't think people in Toronto realize how amazing it is, how open people are in.   And maybe you found this with your show, Jessie, right? People are super happy to take a call and find out what you're doing and who you are. And it's not, not as if you needed to speak to a friend to get an intro, which is sort of how it was for the, if you wanted to speak to the big wigs of London, we had to just, you had to sort of almost go through to start with and made it, there were so many of them, but I actually think it's more sort of more about, so Canada was great from that perspective, everyone's open everyone's available, but there was, there was certainly less business.   It was a much smaller marketplace. And, and again, you know, half the population and I don't know, I dunno how much bigger it is. Is it 50 times the size? I dunno, it's that creates in itself just a thinner layer of clients and customers in business because it's spread. So, so thinly.   Jesse (14m 56s): Yeah. I've never actually thought about the, kind of the major Canadian cities, if you house them all in, you know, Ontario where, you know, our province, which you probably could fit, you know, Italy and, and another other decent sized countries in the actual, yeah. It it'd be a fairly crowded room.   Richard (15m 14s): Imagine what the sporting events would be   Jesse (15m 16s): Like. Oh yeah.   Richard (15m 18s): It would just be, it'd just be unbelievable.   Jesse (15m 20s): So Richard, your first notable, or kind of sizable transaction when you started working, I assume you started in the, in the investment side, on the cap markets team.   Richard (15m 31s): Yeah. I started started the cat markets and then we, we did with a number of interesting. So I think it was very much a midmarket firm when we started and very, very creative and we worked. So I, I ended up sort of teaming up with Robin white and John Gordon, Robin is still still practicing today and sits in the office next to me. And typically office is what we would do, but we did a really interesting portfolio, which was a, a breakup of a small portfolio for Woodington properties.   There were his historic Loblaws premises through a number. And I think it was 14 buildings across sort of the GTA and write it down as far as Windsor. And so that was quite a fun experience. There were a number of agents on the team and I sort of sat in the middle as the analyst, if you will, to sell these all different sort of shapes and sizes of assets, but some, some had become restaurants and some had become office buildings.   I wanna become a movie theater. And it was just an interest. That was a really interesting process, but that wasn't typically what we do. We typically sold, sold office buildings. I actually made a mistake on underwriting. One deal, which Robin laughs about to this day, because I didn't put a vacancy allowance in my numbers. And the guy said, wow, you're 10% higher and everybody else, but you won it. We won a pitch. And it told me that that was sort of POS. That was a positive mistake.   Jesse (17m 11s): That's a good lesson, both ways. It's almost that, that fine line of when you, when you win something, if you, you have it too high, you're like, okay, how am I gonna sell this now? But yeah, I think that's, yeah, this, this building, it doesn't have any vacancy. That's pretty standard.   Richard (17m 26s): Yeah. No. Well, as a, as a small company back then, you had to outperforming underwriting. You, you know, people were always wondering if you'd missed something we never did, but that was one occasion we did, but it had a positive outcome. We sold that building a great experience. We did a lot of, but it's it, it was it's, it's exactly the same business as it is today. There's many more players, many more buildings, oh, RAs makes this make me sound, just making me sound super old, but it is a much bigger city now, but we would for, you know, we would have to photocopy boxes or leases, literally deliver boxes.   Thank goodness we got rid of that pretty soon after it started. And we actually got into digital age and we used to deliver a CD. It's a, it's, it's bizarre to think about today, how much got done without that technology. And I, you know, my first, my first desk outta computer on it, and we had spreadsheets and we did analysis and desktop publishing. But before that people would do their analysis with a pen and paper and it was, I, I have no idea how they did it, but I think my assumption is that today we can run 3000 models to work out exactly what we think's gonna happen with an asset going forwards back then they did it three times, but they did it right.   So I just, it, you know, that's a discussion about efficiency. So   Jesse (18m 59s): What, so when you, when you got started on the cap market side, I think this is a common question. Whether it was back then or, or today we have listeners that invest in, in commercial real estate, in retail multi-family office. But in terms of where the place that you started in, I find that, you know, if you wanna do leasing the barrier to entry barrier to entry, once you get in with a company is fairly low, you can, you can basically have a, a rockstar first couple years, if you hit the right tenants or right clients, you know, the same thing I think goes for multi, multi res now in terms of office and more what I would call more corporate real estate.   It's, it's a matter of, you know, where do you even start? So when, when you got in the, in the game, you had Robin, so you had a, a senior person, is that still to this day, really what you need to break into the more   Richard (19m 54s): Side. I mean, you, even if you start, even if you start in the private business, even you start with private clients in the smaller end of the marketplace, you still, you have no track record and you are going market dispose and advise on someone's carefully purchased and nurtured real estate investment. And if you don't have a track record, it's super hard. So you don't, you don't borrow a track record, you have to bring someone who's got one. And then I think you, you know, you start off as a junior and then you come alongside them.   And then perhaps you can either break out on your own or go further ahead. But we did, we, we tell people to join our department. There, there is a very, very long incubation period. And if you, if you know, maybe I don't even wanna put a number on it, cuz I think it frightens people off, but it's, it's a long time. If you were gonna do something on your own before you, before you can get that sort of track record on your own. Yeah. So you need a team. So it's a very much a teaming environment always has been and there's, and there's also enormous amount to do in underwriting valuing marketing.   There's just a lot of it. And none of it, in my opinion is rocket science, but it does take a village to get everything done. So you sort of have to have that in you as a, as a human being, to be a share and a team player from day one. And I think you find that in cap markets, teams across Canada is that there are few people who are very individualistic.   Like everyone has a team around them or they're part of a team. Or, and I think you'll find those people are pretty much interchangeable as individuals in other people's teams or other people's companies perhaps. Right. So I think, and that's a great accolade to my peers in the, in the industry. They they're, they're good people who do, I mean, I think we can, it's rare. You can find something that someone else hasn't found in a way to evaluate or, or underwriter a transaction because there's a pretty close group of people out there.   Jesse (22m 11s): Yeah. Yeah. And I, you know, we look over at the capital market side and definitely there's similar similarities. I think for, you know, if anybody says two, three years in the industry, I, I don't think it's even close in terms of how much time you really, if you want to commit to this industry how much time you actually have to give it. But I always saw the cap market side, especially the institutional side as even a longer incubation period. Like you're saying as opposed to some of the other groups and it's, you know, you start selling to institutional and if you're just a new person in the industry, you can be the smartest person in the world, but there's no credibility there.   And unless you're bringing somebody to the table.   Richard (22m 47s): Yeah. And I think the, the other thing which I'm always conscious of is that our client, our clientele on, on the private, all the institutional side, they are there for your entire career. There's, there's, there's a finite amount of them. The city's the city's now much bigger. We all, you used to be able to know everyone now that's impossible, which is so of interesting dimension now. So that's a little bit more like how it started when it started career in London. There's, there's way more diversity of clients.   There's so many more of them. You don't know everyone and be all things to all people you can have, you can have favorites specialties. Yeah. But I think the, the people you will meet, if you're a start as an analyst, people you will meet as an analyst in your twenties will be the people you perhaps are working for on the institutional side in 30 years time. Right. And that's, that's sort, sort of cool, but it's also a bit daunting.   Yeah. Because you just can't make a mistake. And if you do, you gotta own up and be, you know, super. And that's sort of, not, not that it's easier in, in the other side of the business to say leasing, but there's just many more of the, the Cleon on the leasing side. Right. So cuz you have the tenant side too, so yeah. Yeah. It's an interesting, it's an, it's a very interesting marketplace and some very, very smart people work in that marketplace. When in Toronto, our clients are very, very talented people who spend a lot of time learning their craft and they know an awful lot about the marketplace.   So again, that's where sort of that little stretch where you have to learn some humility, it, it just sort of fits well, it, your clients know a lot more than you sometimes about the marketplace, which you are selling it to. Yeah. Which is quite interesting.   Jesse (24m 45s): Yeah, for sure. I think, yeah. Especially when you're, you're dealing with whether it's private or institutional, you're dealing with ownership. I find a lot on the private side too, because it's usually their baby or babies, you know, they're building or portfolio. So over the last, what is it now? Dare I say two years,   Richard (25m 3s): Don't say, don't say it. Don't say   Jesse (25m 5s): So we've gone through kind of a, you know, we'll be analyzing this in the same way that, you know, MBAs and, and real estate streams analyzed the nineties. Oh 1 0 8, the, the players that emerged on top of the market, you know, multi res industrials gone crazy over the last couple years. How has your side of your, your side of the business, how has that been impacted over the last year and a half? What are you doing differently or, yeah,   Richard (25m 34s): Super interesting. Look. Most things seem to be, like I said, broad statement, but most things seem to be cyclical. We didn't sell an awful lot of industrial as a company when I started cause we didn't have a lot of industrial work and we, it was just a very small company and subsequently that has burgeoned. And we have a very, very like top tier group in a number of offices around, around the world and certainly in Canada for industrial.   But when I started, it was a, it was a relatively quiet area of the business. A lot of the product had been built in the sixties, seventies and eighties and was already sort of tired and there was no income growth to speak of Europe. Five 50 rent was pretty good, whatever you did to the building, you get five 50 rent. So it was a very, it was, it was pretty black. And then to get those numbers up, you had to have something pretty sensational, but then the tenants may not have paid for it.   So, and then it all started moving. There were lots of changes and I think we're going from, you know, manufacturing to warehousing and distribution plus population growth, entities, cetera, and just gen the way that industries worked just in time and things across the world, we need more warehouse per person. And we had more people. So that was sort the main driver with industrial office.   At the same time when I started, it was a real flavor to move out of downtown. And I think maybe it was the end of that period, but people were building pretty cool office building for the suburbs and then moving whole apartments out to the suburbs where people who get a great house and they could community leader work and they could bark in the parking lot. And that was sort of, that was sort of new and fresh. And there was a major tax differential to downtown Toronto, just the, just the suburbs charge, way, way less of taxes.   And I think that that sort of ended as I, as I, as I arrived and came up with some great policies to, to build buildings and bring people back, not not least of which is transit, right transit. The one place everyone can get to the GTA is downtown by transit easily. It's the only place. So, I mean, they're the two sort of major things that have happened. And now we seem to roll further. Along from that there's discussions about the value of retail.   Retail is, is fabulous in segments of it, of its issues and are tired and old and may not come back. But the other components, it's something that everybody needs everyone to go shopping. You don't necessarily need to go to a store, but people like to go to stores, right? So we found that's a far more robust industry than people thought at the start of COVID office is really interesting and that we we've sold. I've sold a lot of office buildings in my career and they do tend to come in and out of favor, they're sort of high, a high or high capital high reward assets.   And I think what's happening right now is working out how much space people need, where they want it is the commuting gonna continue. If you've got work from, there's just a lot of questions about it, but I've no doubt that it is a fabulous asset class. And even though we've got the technology not to be in the office, the way humans work is it's great. If we get together as much as possible without ruining the other, the other part of people's lives or the efficiency of it, right? So office will come back, but it is definitely going through a softer period and the prices you can buy office that are significant discounter replacement cost.   And now, now in the GTA, you could, you know, you could throw a building away and say, great, we'll just, we'll build something next door on the Greenfield. You can't do that anymore. So there is value to all of this older product that into whatever you might wanna change it into. And then you get into a discussion about, well, what do you wanna change into and what creates jobs? And that's where perhaps you get the, the fight between the developers and municipalities. So, and that will go on forever.   That, that, that fight. So,   Jesse (30m 2s): So on the office piece we had, we, I think it was last week, I was speaking to the chief investment officer for, for crowd street. And we were talking about office space and kind of the bifurcation between downtown assets, well position or, you know, in theory, well position assets versus suburban office and with places like San Francisco, New York, Toronto, all these, a large majority of these north American cities still have not had the people come back into the office in terms of some of the cell phone data that we gather in the vitality index.   Do you see a, a positioning, a difference in positioning as, as it relates to the comparison between suburban and downtown office and maybe just as a follow up, you know, what, what are they gonna have to do downtown in these, in these office buildings or these investors that, that own these assets to entice companies to want to be in the office and want to be in space that I guess has more amenities.   Richard (31m 5s): Ah, now that's you could probably look, I definitely got an opinion and I, you know, my, my job is to value them and sell them and advise on them as opposed to fill them. But there's some, there's just some thinking that is me going on lately. If you, if you want people to come back to the office five days a week, it's gotta be easy and quick to get to for your staff. And it's gotta be a great place to be.   And that's sort of where we have problems, because if you've got a, a, let's go, let's got the suburban belt around Toronto, the 9 0 5 belt, it could take people an hour to get into the office and then there's a cost to it. And maybe there's more time than just the hour on the train. Maybe there's a bit longer. So you got one hour 20 each way, five days a week, that's look, this isn't, this isn't an official policy. It's just an open think Jesse. And the thinking is, if you're gonna make people do that five days a week, something's gotta give right.   You can provide them with amazing space, but that isn't really how they want their lives to live, particularly when they can pick up the computer and work from anywhere. Right. So you, so perhaps that is a positive suburban office. So perhaps a suburban office is where you have your, the people that you want all the time in the spoke, the hub and spoke discussions that you've, I had, you know, perhaps that's where the spoke is.   And then you have a sort of suburban location. And then the hub perhaps is work from home, telling everyone comes downtown every now and then. And that's where everybody in intermingles. So it's a complicated, it's a complicated theory, but because it's two things at the same time, and I think everyone's trying to avoid you two things at the same time, but they might have to do that. And I just have no doubt that like our younger staff learn so much, if they're in our offices and we have an open door policies, you know, and you just learn, you just learn and you don't have to like, press a button to call anyone and ask this Jupi question because there are no stupid questions, but it becomes a stupid question.   If you make a, if you make a deal out of   Jesse (33m 24s): It, right. Make, make a zoom call for, for the stupid   Richard (33m 26s): Question, that's right. A zoom call for a comma is stupid. But if you call through someone's doorway, if not stupid. So I think that sort of humanity is gonna have to start factoring in and I'm not quite sure that's that's happened yet. And I think the other thing is we've got this crazy well, it's crazy in a historical sense is the cost of refurbishing office space to the standards that one wants today is really a real problem. So maybe it's $200 a foot maybe, but you can't get those rents.   The rents that would support that unless you're in top accommodation downtown. So maybe that's a supply chain thing, identical, but it, it, if you do look at suburban office, look at the, you know, the average price per square foot suburban office is two to 300 a foot, but it's gonna cost you four to 500 of it to build it, let alone the land, which now competes with industrial lab, which maybe three, four, 5 million acre in those areas. It just something's, something's gotta give, and to me, it just looks as if those opportunities are very, very cheap, but I can't quite see, see the, the end of the tunnel on that yet.   Jesse (34m 41s): Yeah. Well, that's good to hear cuz those of us in the office world, we, we can't either right now it's you never really know you're in something until you're playing Monday morning quarterback When it, when it comes to the, so if you, our advising clients that are investors, asset managers, institutional clients that actually own this type of real estate that we've kind of come out of this, this world that was crazy for a while and the extra wrinkle just cuz we hadn't had enough, was the interest rate environment very different than it was a year.   Yeah. Even a year ago. How does that inform if it does, you know, to what extent does that inform your advising with clients? Is it them that's calling you, calling you to consult on that? Or is, is it something that's, that's a key piece of the, the decision making?   Richard (35m 33s): Yeah. Debt is a, is a, an invaluable part of the capital stack and it's become more and more and more so. And even to the extent was if you are a large institution of buyer and are forbidden or don't want to use debt, you will still underwrite as if you, as if you have a need for debt so that you actually make a market judgment. That seems to be what our clients do. So it's such an important part. I think it's a really integral part of modern life as well.   So if it's, it's sort of the interest rates sort, the one stick that the central banks have in terms of controlling sort of monetary supply. And if you just keep printing money in doing Q and having sort of QE to get us out of a hole, at some point you've gotta sort of constrain that supply. And the only tool we see or one the, the main tool I say we have for that is, is an increase in, in the I rates, which gets passed onto everything else.   That's gonna have an undoubted effect on the value of real estate because you still need a spread to risk adjust to non-risk returns. So if you've got real estate has some risk to it, different real estate, there's a lot more risk to it. You need to have those absolute, absolute spreads. And if you are return increasing with non-risk investments, then you're really gonna have to probably move your pricing out.   But what goes around comes it'll come back again. As you know, as your, your dad's comment, when, when you're a kid, I think I hear a lot of those scar stories. I would never have wanted 18 mortgage or even I've never even had an eight mortgage. It's all sounds a bit frightening, but you know, my grandfather was in development in the 1920s and he this, when I was real estate in nineties, he said that had interest rates in the 1920s.   And I said, well, that must, that must have been amazing. You know, that must have been just great. You could do so many deals. And he said, no, everything was expensive. So I guess it's all relative to me, the, the, the, the actual interest rate is relative, but the availability of that component of the all components of the capital stack, but it be equity or debt, the availability and the liquidity of those markets is far more important.   So if tomorrow, someone said you can't get any debt. It's not that it's changed from three, your or 5%. We don't lend that will cause huge problems.   Jesse (38m 25s): Yeah. And in terms of the, in the landscape that we're, that we're seeing with that I've heard just kind of anecdotally companies talking about more looking for properties that are, that are not free and clear and potentially having an assumption of, of current mortgage rates, because they are at, you know, what is now considered much lower than the current, say five or 10 year commercial loans. Are you seeing that is, or is that just, you know, is that just banter in our space?   Richard (38m 55s): It's what people used to do, Jess. I mean, we, people used to look when we've gone through these sort of periods before people, people used to look for those assets getting paid for it is another matter, right? It was you more than anything, a lot of these things don't necessarily change the value of the product, but it does. It may do indirectly, not as directly as well. I think, because what it does is improve on your buy a pool, improve. Lot of people who are looking. So a couple of people would look at it because it had that sort of low debt. Perhaps they get a larger spread on it. Does it improve the value?   I guess indirectly it does. Yeah, but I mean, Canada is such a, a, well, it's a very well structured environment that has pretty conservative debt in commercial lending to start with. So it's not a country where you see people setting up voucher funds and trying to take people outta trouble because they're really people aren't actually in trouble. They're just not as great as they were last month.   Jesse (39m 51s): Yeah. Fair enough. So we've got four final questions we ask every guest before we, we get to that just generally speaking, are there certain aspects of our industry and it can be asset class or just trends that you think are, you know, positive and, and you think are on the horizon, that, that you're bullish on   Richard (40m 14s): All of it. And I, and I don't mean that to be facetious. And I think that's the country we sit in. It's a very, very special place. We're very lucky to live where we do. And I think that goes to many parts of the world, but, but some, obviously it doesn't apply to. And what we've got is a, is a, a fair system and we've got, and we've got people who want to come to Canada. And in the long term, that's probably, you know, there are some, there are some finite things in the world there's real estate, but not that we have experienced it yet, but there's also population and population growth is tailing off.   Notwithstanding what the UN is. I think this week we hit 8 billion people around the world. The countries like Canada, it's very easy to grow the economy. If you have more people and if you attract great people, it's even easier. So there's probably gonna be some more competition people, but that's the long range view of Canada is fantastic because we haven't hit 40 billion people. And it's the second largest country in the world. And it's a wonderful, wonderful country. It is amazing place with amazing people. So that's why all aspects of real estate there'll be nuances about what the next flavor is and what the past and the future looks like in immediacy.   But speaking, it's very positive. So it sort of sounds flippant, but there's a, there's a reason.   Jesse (41m 37s): Oh, I like it. All right. So four questions, Richard, what would you say to somebody that's trying to break into our industry? Somebody that's just starting their career, whether it's in the stream that you took or, or just generally in investing or brokerage,   Richard (41m 54s): What would I say to them?   Jesse (41m 55s): Yeah. What   Richard (41m 56s): That's, open-ended in, where they would, where they should start, where they should go.   Jesse (42m 1s): Yeah. Yeah. It's somebody that's trying to break in. You know, what, what would you do kind of, you know, your, your 21,   Richard (42m 9s): I think people need to analyze what their personality is because there's so many components to it and you know, you and I can see that in, on our side of the business, on the brokerage side, let alone, let alone on the ownership side or the construction side of development. I mean, it's a fabulous business, but you do sort of need to know where you, where your mind fits. So if you are an instant overnight person, maybe you don't wanna go onto, maybe you don't wanna go to capital rockets, brokerage, because you have to build a, build a track record, learn the tree, and that goes for everything.   Right. So I think that's what I would say is that you do sort of need to know yourself a little bit. And if you dunno, go try but be open, ask as many questions as you can. And that's a, that's a wonderful thing about the industry. You can ask anyone anything, and they will give you a genuine answer. They will try and try and make the time to, to, to give you the time of day to, to give you, give you a functioning or thought out answer. And I don't know if you find that in every industry, but certainly real estate is great for that.   Jesse (43m 9s): Yeah. It's I mean, it's come up time and time again on this show, we've talked about how we're, we're lucky in an industry where a lot of the senior, the veterans really do want to give help to people that are curious and interested in, in our space. What's something that, that, you know, now in your career that you, you wish you learned when, when you're a younger lad.   Richard (43m 32s): Oh, well, when I first started work, I it's, one of the simplest of things is a lot of things got right when I started being an analyst at Avis and I start ma making lists. Whereas I did development work. It was sort of, I was less list conscious and I sort of tried to juggle things. You can just get so much done if you made lists. Yeah. It's, it's absolutely crazy. I wish someone had told me that when I was 17,   Jesse (44m 3s): I like it. I'm definitely in that boat, you know? And when you're younger, you're always like, ah, I'll remember that. I'll remember that now. You're just, you're like, you, you know who you're dealing with, you're dealing with the person that, that didn't remember it last time. And yeah, sometimes it just takes some time. Are there any resources that you would find useful for listeners for real estate, whether you know, a book on a book in our space, something you're reading a podcast you're listening to?   Richard (44m 32s): No, I think I, I think some of the industry groups are really good. Like NAOP is a fabulous industry group and you can find different, different parts of NAOP, which would be appealing. And they, they do a great job and they do a really good job, I think, events or thoughts about the junior members, more so than the senior members, which is great. So that's a good one to follow you. You, you do have to know your math. I, I can't remember the names. I, I can't remember the names of the books I had, but there was one, one book.   I don't even know if circulation, but it was by a guy called Jack Rose. It was square feet. It was a picture of a square foot on the front, obviously. So, but that was it. But you do, I think you do. I would just, I wouldn't, there's nothing I'd necessarily recommend other than you do have to work out. I do the math, right? The math is it's actually really, really straightforward math, but I come across so many people who do not understand the connection between a cap rate dropping and a price going up. And I'm just flabbergasted how people have not.   And they literally don't understand it. And I'm flabbergasted at that. And I would, in every one of them, I will take them to one side, get posted note and actually show how it works, because it is the simplest things. But so being inquisitive as you can, I think, because it, it, ain't hard.   Jesse (45m 56s): Yeah, for sure. No excuse not to know it. All right. Last question. Stole this from one of my favorite podcasts, Bloomberg masters in business, first car, or make and model.   Richard (46m 7s): Oh, seriously. Okay. That is an interesting question. I had a, I grew up on a phone oddly and in the, in east, in the deepest countryside. And I was given when I was 13, a 1964 land Rover, but it didn't work,   Jesse (46m 29s): But it didn't work.   Richard (46m 30s): It didn't work. And it was a summer project to get it working. And it took me most, most of the summer, but the end of it, I had this fantastic thing to drive around the field, which was great. So that was my first. That was my first love. Really?   Jesse (46m 43s): I thought I was gonna get an, an mg or an Opal or something.   Richard (46m 47s): No, I had some great cars in London. No, I had a, yeah. I had a Lotus and I had a TVR, which   Jesse (46m 52s): That's right. Lotus of.   Richard (46m 54s): Yeah. But do you, life changes, you pick up, you pick up, it's a rolling stone. Yeah.   Jesse (46m 60s): Not a lot of, not a lot of grocery. You can carry in the Lotus of spree.   Richard (47m 3s): That's right.   Jesse (47m 4s): Fair enough. Well, Richard, I appreciate you coming on the show for those that are interested in kind of the cat market side, is there anywhere they should kind of, aside from LinkedIn or a Google search, where, where can we send them to?   Richard (47m 19s): No, I think come find me or Jesse on LinkedIn or com you'll find us, I'm super happy to speak to anyone about the business, what we do, where it may be going. And I'm the first person to say, I can be wrong, but it's great to have a discussion because no, one's got a monopoly on wisdom. So I'd love to hear. Thanks very much. Jesse. Appreciate the time.   Jesse (47m 38s): My guest today has been Richard Chicot. Richard, thanks for being part of working capital.   Richard (47m 43s): Thanks, Jesse.   Jesse (47m 52s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you like the episode, head on to iTunes and leave us a five star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one. Take care.  

Heart to Heart Nurses
Heart Failure Management: SGLT2i and GLP-1 RA Mechanism of Action

Heart to Heart Nurses

Play Episode Listen Later Sep 20, 2022 24:57


[CE contact hours--see below.] Often prescribed for obesity, SGLT2is and GLP-1 RAs have a role in heart failure management. Learn about their mechanisms of action, and how their use extends beyond weight loss to cardioprotective and renalprotective properties. Guests: Kim Newlin, MSN, ANP, FPCNA, of Sutter Roseville Medical Center in Northern California, and Colleen McIlvennan, PhD, DNP, ANP, FAHA, FHFSA, from the University of Colorado in Denver. CE Link: https://pcna.net/?p=10718&post_type=online-course&preview_id=10718 2022 AHA/ACC/HFSA 2022 Guideline for the Managment of HF: https://www.ahajournals.org/doi/10.1161/CIR.0000000000001063Pocket Guide: Guidelines for Managing CVD Risk in Patients with Diabetes: https://pcna.net/clinical-resources/provider-tools/diabetes-provider-tools/HF Pocket Guide: A Guide to Prevention and Management: https://pcna.net/clinical-resources/provider-tools/heart-failure-provider-tools/ New and Emerging Treatments for Heart Failure: HFrEF and HFpEF (CE course): https://pcna.net/online-course/new-and-emerging-treatments-for-heart-failure-hfref-and-hfpef/ SGLT2is in Heart Failure: ncbi.nlm.nih.gov/pmc/articles/PMC8654149/SGLT2i in HFpEF: multicenter randomized trial: nature.com/articles/s41591-021-01536-xEmpagliflozin in HFpEF: https://www.nejm.org/doi/10.1056/NEJMoa2107038#:~:text=Empagliflozin%20in%20HF%20with%20Preserved%20Ejection%20Fraction&text=Sodium%E2%80%93glucose%20cotransporter%202%20(SGLT2,and%20a%20reduced%20ejection%20fraction. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.