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S&U PLC chairman Anthony Coombs takes Proactive's Stephen Gunnion through the company's full-year results to the end of January 2025. Despite regulatory headwinds in its Advantage Motor Finance division, the company reported stable revenue, with record results from its Aspen Bridging arm. Coombs highlighted the impact of an FCA Section 166 investigation, which added approximately £1.5 million in costs and prompted an £11 million increase in provisions. While these factors significantly reduced profitability in the motor finance business, he expressed confidence that such challenges would not repeat in the coming year. "We've dealt with our customers in a responsible and... Christian-like manner," Coombs said, reflecting on the company's values-driven approach to business. He also noted that internal morale, temporarily shaken during the FCA review, was now recovering strongly. In contrast, the Aspen Bridging division achieved record revenue, profit, and transaction levels. Launched in 2017 to meet demand for bridging and small development finance, the division has proven to be a strategically sound addition to S&U's portfolio. Looking ahead, Coombs expressed cautious optimism for the UK economic landscape, suggesting that interest rates might stabilise. He emphasised the importance of robust underwriting as a defence against economic uncertainty, saying the company has weathered similar conditions in the past eight years. For more company insights, visit Proactive's YouTube channel. Don't forget to like this video, subscribe to the channel, and enable notifications for future updates. #SAndUPLC #AnthonyCoombs #AspenBridging #MotorFinance #FCAReview #FinancialResults2025 #UKFinance #InterestRates #InvestorUpdate #ProactiveInvestors

Spring is here, and it's the perfect time to revitalize your space with sustainability in mind! Join Ally Richardson and Aaron Shaha, local permaculturists who dive into Zone 0, sharing their journey, expert insights, and practical resources for greener living in the Pikes Peak region. This episode covers essential topics like energy efficiency, water conservation, food production, waste reduction, and holistic well-being—helping you create a more mindful and regenerative home.Mentioned in this episode: Informative Permaculture Forums can be found at https://Permies.com or reach out with questions to Pikes Peak Permaculture on website at https://pikespeakpermaculture.orgZachary Weiss's Water Stories can be found at https://www.waterstories.comVideo Reviving Rivers with Dr. Rajendra Singh https://www.youtube.com/watch?v=_N9PIBATSFwResearch on Fraudulent Organic Labeling: Giannakas, K. and Yiannaka, A. 2023. Annual Review of Resource Economics. Food Fraud: Causes, Consequences, and Deterrence Strategies. Annu. Rev. Resour. Econ. 15:85–104. https://doi.org/10.1146/annurev-resource-101422-013027Denver Laundry to Landscape:https://www.denvergov.org/files/assets/public/v/1/public-health-and-environment/documents/eq/rules-and-regulations-governing-graywater-treatment-works-2024.pdfRegulation 86- Reg. 86 – Graywater Control from the Colorado Department of Public Health and Environment, Water Quality Control Division. https://cdphe.colorado.gov/water-quality/clean-water/reg-86-graywater-controlVitamin D Boosts from mushrooms! Visit local business Microvora for all your gourmet mushrooms, microgreens, and more. Questions or Wholesale Inquiries - Contact via email at hello@microvora.com. Storefront Open Daily from 10AM-6PM in Colorado Springs at 3685 S U.S. Hwy 85 87 Suite 2.Resources for Household Waste: Galvanize Recycling Services: https://www.galvanizerecycling.com/services/The El Paso County Household Hazardous Waste Facility (HHWF) is located at 3255 Akers Dr. Colorado Springs, 80922For more information about what is accepted, please visit: https://communityservices.elpasoco.com/household-hazardous-waste/ Thanks to these Peak Environment sponsors:Pikes Peak PermacultureVisit https://pikespeakpermaculture.org for opportunities to learn more about sustainable organic living through permaculture – workshops, classes, field trips, and networking.Old Town Bike Shop – your local bike shop since 1976

S&U PLC (LSE:SUS) chairman Anthony Coombs takes Proactive's Stephen Gunnion through the company's latest trading update, highlighting positive momentum in its Advantage and Aspen businesses. Coombs noted that Advantage, S&U's motor finance division, has seen improvements in collections and efficiency, aided by an easing in regulatory restrictions. He acknowledged ongoing uncertainties, particularly regarding the Supreme Court's upcoming review on commission disclosure, which has impacted the UK's motor finance sector. However, he expressed confidence that the business remains strong, with better customer engagement through the newly launched site. Discussing Aspen, S&U's property finance division, Coombs highlighted a strong performance with over 50% profit growth. He attributed this success to sustained demand for residential property and a favourable interest rate outlook. Coombs remains cautiously optimistic about the future, citing early signs of regulatory changes having a positive impact on operations. "The efficiencies and the change in techniques that were brought about by regulations is beginning to have some beneficial effect," he stated. For more interviews with industry leaders, visit Proactive's YouTube channel. Don't forget to like this video, subscribe, and turn on notifications for updates. #S&U #MotorFinance #PropertyFinance #Investing #Regulations #UKFinance #Aspen #Advantage #AnthonyCoombs #TradingUpdate

欢迎收听雪球出品的财经有深度，雪球，国内领先的集投资交流交易一体的综合财富管理平台，聪明的投资者都在这里。今天分享的内容叫认真思考了寒武纪，依然是抓不住的梦。来自围棋投研。1月14日，万众瞩目的寒武纪发布了2024年度业绩预告，引起广泛热议。寒武纪的关注度有多高呢？这么说吧，公告刚发出1分钟，各个群里就都在奔走相告，不知道的还以为转发1次能拿奖励。我经常说，小米S U 7是2024年的现象级车型，那么寒武纪就是当之无愧的现象级股票，凭借着388%的涨幅，一举拿下2024年A股涨幅冠军，并在2025年继续突破3000亿市值。于是，这家上市公司就不得不聊，哪怕投资做减法，但在研究时必须要纳入思考范围。咱们就从这份业绩预告说起：寒武纪给出了年度营收、归母净利润和扣非净利润的区间，按字面意思就是，营收大增、亏损收窄。但光有这些信息肯定不够，至少要把数据聚焦到单季度，简单点就直接看中位数，算下来2024年第四季度营收9.5亿元，归母净利润2.8亿元，扣非净利润1200万。因此，昨晚说寒武纪实现单季度盈利的，大部分指的都是归母净利润，如果看更具备可持续性的扣非净利润，去年第四季度只能算是盈亏平衡。归母和扣非之间，就差在“非经常性损益”科目，公告里倒是有解释，主要是前期单项计提的坏账准备转回和政府补助。这种不是每季度都有，就属于非经常性的收益。财务数据基本就这些，可能有听众会问，比市场预期高还是低？正好接下来就要聊业绩预期，就放在一起讲。先看2024年，市场预期是营收14到15亿，净利润亏损4到5亿，实际结果是营收10到12亿，净利润亏损4到5亿，扣非亏损8到9个亿。其实是低于预期，当然本来就亏损，多亏点也没啥，而且不会有人买寒武纪是看去年业绩的。再看2025年，就比较关键了。利润端是天差地别，悲观者觉得会继续亏损，乐观者觉得能赚2个亿。处于产业初期的龙头，尤其科技领域，一般不会去看净利润，更多是看营收情况，希望每年收入都有稳定增长。券商分析师在三季报披露后，更新了一版盈利预测，十家券商平均给到明年营收预期是30亿，其中悲观看到25亿，最乐观是看到50亿。有意思的是，最乐观的这家券商还是新财富第一名，影响力不小。做研究总不能都靠着券商给答案，我们也来试着算算寒武纪的营业收入：怎么去算呢？核心要素是存货。假设，寒武纪每次是拿到客户订单后，才会开始准备原材料和备货，因此账面上存货基本都是下个季度或最晚明年能卖出去的。第一步：先看2023年底存货，大概是1个亿，同时有计提坏账准备2.4亿，说明存货原值就是3.4亿，很好理解。第二步：2023年年底存货到2024年都卖出去了，就要把原值计算到成本里面，2024年前三季度成本是8300万，假设毛利率不变，全年大概是乘以6倍，2024年全年营业成本就是5个亿。第三步：用2024年营业成本除以2023年存货原值，为1.47倍，方便点就按照1.5倍来取值。第四步：24年前三季度存货是10亿，假设能维持到年底，那么就能得出2025年营业成本为15亿，如果今年把存货都卖出去，大概就是这个成本水平。第五步：有了2025年营业成本，再假设毛利率维持在55%到65%，对应25年营业收入预测区间就是33到43亿。当然这里面有一些假设因素，比如去年第四季度存货不增加，再比如毛利率没有显著变化等等，稍有调整，最终答案就会偏离。好在，算出来基本和券商预测的区间范围差不多，那心里就有底了。有了营收预期，很快就能算出市销率。按照3000亿市值，30亿营收对应100倍市销率，50亿营收对应60倍市销率。60到100倍市销率估值，显然贵得离谱。就像树不可能涨到天上去，估值也不可能一直往上涨。有朋友提醒我，说寒武纪不能正常看估值，它看的是“市梦率”，对标着美股巨头英伟达，要用“概率法”估值：寒武纪有1%的概率成为英伟达，市值就约等于1%的英伟达，英伟达最高市值是3.7万亿美元，寒武纪就是370亿美元，折合下来2800亿市值，很合理。假设寒武纪成为英伟达概率不止1%，再考虑到中国市场占全球市场比例也远高于1%，以及有大客户（字节等）扶持，那么寒武纪的市值想象空间就更大了，一定要敢于有梦。虽然不太理解，但既然是真金白银投票出来的结果，只能说存在即合理。到这里，就想起橡树资本创始人霍华德·马克斯，他在年初时候发表过一篇文章，叫“再议泡沫”，提到泡沫与其说是一种量化计算，不如说是一种心理状态。泡沫不仅反映股价的快速上涨，而且是一种具有以下特征的暂时性狂热，或者更贴切的说，是由以下原因引起的暂时性狂热：1）高度非理性繁荣2）对标的公司或资产的彻底崇拜，以及笃信不能错过；3）踏空的巨大恐惧4）因而确信这些股票“价格再高也不为过”。如今，寒武纪好像就挺符合这几条特征，尤其是“价格再高也不为过”，反正对标着英伟达，概率上修1个百分点，就能增加2000多亿市值空间，想想就吓人。对于价值投资者而言，寒武纪或许能成为好公司，但至少现阶段肯定不是好价格，根本下不去手。这个价格的寒武纪最适合干啥？老股民估计能猜到，就是赶紧做增发。有同行开玩笑说，寒武纪要趁现在市值高，增发500亿，存在银行一年2%利率就有10亿利息，后面再怎么折腾都不会亏损，还有充分的资金保障A I芯片事业高歌猛进，一举多得。玩笑归玩笑，但确实是研究做加法、投资做减法，对于寒武纪这样的非盈利科技龙头，关键的关键，是我们对这玩意根本没法把握。哪怕去年三季度看到存货大增，内部有进行讨论，终究还是不敢轻易下手。最后，我想看看寒武纪这轮大涨，到底是机构资金抱团还是散户朋友助推，发现截至2024年三季度，机构们普遍是减持状态，外资倒是有增持。这里有个小插曲，据说看着寒武纪一路上涨，给老外们都急坏了。他们不相信上半年6000万收入的芯片公司，能炒作得这么高，坚信中国A I芯片肯定是有了快速进展。这波算是陆家嘴绕晕了华尔街。不过，寒武纪去年股价涨得最猛的是第四季度，因此还要等2024年年报出炉，到时候再看看资金结构如何。差不多就是这些内容。我知道有很多听众们都是寒武纪的股东，而且随着股价不断新高，大部分投资者都能赚到钱，在这里是非常恭喜的。但就我自己而言，由于能力圈实在是够不到，怎么看都觉得太贵，就先放一放了。

S&U PLC chairman Anthony Coombs the company's interim results to 31 July 2024 and the outlook moving forward. Coombs acknowledged the challenges faced by the Advantage motor finance division, largely due to regulatory changes and higher provisions. However, he emphasised that these issues are temporary and expects improvement next year. "We are working very closely with the FCA to emerge stronger, more compliant, and more efficient," Coombs said, highlighting ongoing efforts to adapt to the new consumer duty regime. He also mentioned the positive performance of the Aspen Bridging business, which saw a 43% increase in its loan book and a 42% rise in profit before tax, reflecting strong growth among property developers and investors. Looking ahead, Coombs remains optimistic about S&U's overall business trajectory, citing the strength of Aspen and expectations for future regulatory clarity in the Advantage business. For more interviews like this, visit Proactive's YouTube channel, and don't forget to give the video a like, subscribe, and enable notifications for future updates. #S&UPLC #MotorFinance #AspenBridging #AnthonyCoombs #ProactiveInvestors #FinancialResults #DividendUpdate #FCARegulations #PropertyInvestment #BusinessGrowth #ProactiveInvestors #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

S&U PLC (LSE:SUS) chairman Anthony Coombs discussed the specialist lender's trading update and current market conditions with Proactive's Stephen Gunnion. Coombs outlined the challenges posed by the regulatory environment, specifically the Financial Conduct Authority's (FCA) scrutiny of the motor finance industry. "We're working with them on a very constructive basis to look at things like consumer duty and how that impacts upon our relations with our customers and in particular on issues like forbearance and affordability," he stated. Coombs said motor finance arm, Advantage, is in a consolidation phase for 2024 due to these regulatory constraints. He emphasised the importance of aligning advances with affordability criteria to maintain financial stability. On a positive note, Coombs highlighted the strong performance of Aspen, S&U's property finance business. Aspen's advances more than doubled to £44.4 million in the first quarter, he noted, underscoring the robust growth and prudent lending practices of the division. Coombs also shared his outlook on the residential property sector, anticipating improvements in market activity and prices due to underlying property scarcity and potential interest rate cuts by the Bank of England. #S&Uplc #AnthonyCoombs #FinanceUpdate #RegulatoryChallenges #PropertyMarket #MotorFinance #AspenFinance #TradingUpdate #InvestmentNews #EconomicOutlook#ProactiveInvestors #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

S&U PLC chairman Anthony Coombs discusses the company's full-year performance and outlook in an interview with Proactive's Stephen Gunnion. Despite facing significant headwinds, especially in the latter half of the period, Coombs noted that S&U demonstrated robust trading, underpinned by the strong demand for its motor finance and property bridging products. Aspen, its property bridging division, achieved a significant milestone, hitting the half-billion lending mark. However, profit growth at motor finance division Advantage was held back by higher interest rates and increased regulatory activity from the Financial Conduct Authority (FCA) concerning forbearance, affordability, and vulnerable customers. Coombs highlighted the company's adaptability and ongoing cooperation with the FCA to maintain best-in-class procedures. Despite the economic challenges and regulatory pressures, customer numbers at Advantage reached record levels. Coombs also addressed the impact of the current economic situation, including recession fears and cost of living pressures, on the company's lending practices. He expressed neutrality towards the potential change in government, emphasizing the company's resilience and long-term customer service focus. On the property market, Coombs noted the resilience of house prices and a long-term supply shortage, which he believes presents a substantial opportunity for Aspen. He highlighted the division's focus on lending to individuals refurbishing or building properties, a sector underserved by traditional banks. S&U declared a final dividend of 50 pence per share and Coombs expressed confidence in the company's ability to resume sustainable profit growth, maintaining a balance between capital appreciation and dividend yield for shareholders. #S&U #aspen #advantage #Finance #PropertyMarket #MotorFinance #Dividend #EconomicOutlook #RegulatoryChallenges #HousingMarket #CustomerService #ProfitGrowth #ProactiveInvestors #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

S&U PLC chairman Anthony Coombs delved into the company's trading statement for the 12 months ended 31 January 2024 in an interview with Proactive's Stephen Gunnion. Despite a challenging year due to a number of headwinds facing the sector, the motor and property finance group remained resilient, with improving prospects. Coombs attributed the past year's to the cost of living increase and heightened regulatory activities by the Financial Conduct Authority, aimed at protecting customers under economic pressure. This regulatory environment created headwinds for S&U, slightly impacting its results. Consequently, pre-tax profits are expected to be 10 to 15% below analysts' consensus. However, Coombs said the flow of new business into both of S&U's sectors—motor and property finance—is robust, with the company facing challenges in collections due to regulatory scrutiny. S&U's diverse business model, including its Advantage motor finance and Aspen bridging loan business, has helped it navigate pressures. Aspen, in particular, saw cumulative repayments increase by more than 50%, benefiting from high demand in the SME sector for development and refurbishment loans—a demand not fully met by traditional banks. This diversification is expected to aid in the company's recovery, especially as economic conditions improve. #SNUPLC #FinanceSector #MotorFinance #PropertyFinance #EconomicResilience #RegulatoryChallenges #InvestmentGrowth #SMEFinancing #CorporateUpdate #FinancialOutlook #ProactiveInvestors #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

@JeffreyTheGreek & @JWEggleston7 breakdown all SEVEN B1G games this week. 7 games x 2 means ALL 14 teams are in action on Saturday. S-U, Spreads, O/Us are all covered. Take a Listen! #AskForAmador   Pod Time Stamps:   3:00  -  Halloween / BF / "Signal-Gate" 14:00  -  Ohio St  @  Rutgers 23:00  -  Wisconsin  @  Indiana 32:00  -  Nebraska  @  Mich St 41:00  -  Penn St  @  Maryland 49:00  -  Illinois  @  Minnesota 56:00  -  Purdue  @  Michigan 59:00  -  Iowa  Vs  Northwestern

S&U PLC (LSE:SUS) chairman Anthony Coombs speaks to Thomas Warner from Proactive after the specialist motor finance & bridging lender released its interim results for the six months to 31 July. Coombs gives an overview of how the business performed during the period, highlighting a 12% rise in revenues with a slight profit increase. Despite facing economic headwinds, reflected in current stock market valuations and high interest rates affecting business finance costs, he remains optimistic. He notes concerns about the cost of living impacting their customers and emphasises the importance of sustainable loan repayments, especially in motor finance. The property market has seen a slowdown, with a potential 5% reduction in residential values. He says the company "has got to be careful in terms of our underwriting, we've got responsibilities not only in commercial terms but in maintaining excellent relationships with our customers." However, S&U maintains conservative loan-to-value ratios and has witnessed excellent collections in their aspirin bridging operation. Coombs highlights the company's commitment to maintaining high standards in customer relations, especially with new regulatory measures in place. He concludes by saying that while the economic and political landscape remains uncertain, S&U continues to prioritise customer service and fairness. #AnthonyCoombs #S&UPLC #PropertyFinancing #MotorFinancing #EconomicHeadwinds #StockMarketValuations #InterestRates #CostOfLiving #LoanRepayments #ResidentialValues #AspirinBridging #CustomerRelations #FinancialRegulations #EconomicOutlook #BritishCompanies #ProactiveInvestors #S&U #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

S U welcomed back Alex and he again showed his liberaltarian contrarian argumentive usual self. Alex tried to float anecdotal evidence of him getting the Wuhan Jab and he has no issues - well, not everyone that smoked Cigerettes died from them either, doesn't change factual data of people getting Heart conditions or dropping dead days after a Jab. "Today's episode we find out about RACIST water-life in Floriday!" LOL & TikTok Filter's that are trending on a stupid note Mentions Republicans of Michigan https://web.archive.org/web/20230322165438/https://www.12cdrc.org/webmaster2 --- Send in a voice message: https://podcasters.spotify.com/pod/show/savagedunfiltered/message Support this podcast: https://podcasters.spotify.com/pod/show/savagedunfiltered/support

Hey everyone, welcome back, today on episode 370 of The Outdoor Biz Podcast I'm talking with Outdoor Vitals founder, Tayson Whittaker. Growing up Tayson wanted to be outdoors every day of his life. It called him to explore, regardless of the time of year or the weather. But he didn't have the right gear to prepare for the elements. By the time he graduated College, he had figured out how to make better gear and was selling no-name sleeping bags to his friends. We're going to talk about all that and more. Facebook Twitter Instagram The Outdoor Biz Podcast Love the show? Subscribe, rate, review, and share! Sign up for my Newsletter HERE.  I'd love to hear your feedback about the show! You can contact me here: email: rick@theoutdoorbizpodcast.com or leave me a message on Speakpipe! Brought to you by: Thrive Market   Show Notes How were you introduced to the outdoors? I feel like I always was introduced to the outdoors but there's just different aspects that I learned over time. I grew up in this small town of, six or seven thousand people and was always able to get outdoors. Whether it was on my own or with friends. Every weekend it seemed like, by the time I was about 10 years old, on my parents would drag this old 1970s trailer up the mountain and we'd go camp for two days. Half the time we're sleeping outside the trailer. cause it's not like it was a big trailer. I just spent a lot of time out there with my brothers and family. Your profile mentions you were a college student, where did you go to school? I moved down here to Cedar City, Utah. for those who are familiar with Utah, it's the southern part of the state down here by Zion and Cedar Breaks. I came down here for college, went to college at S U combined a lot of my passions. I really enjoyed business and so I graduated in finance, but more than that, I started the entrepreneurship club here at the school. And every weekend and weekdays it seemed like I was, taking friends out to the caves and getting into ultra-light backpacking myself. And so that's really where all of this started, in my very last month of school I filed for the business name. And how did you learn to design gear? I really attribute all of my design skills from the time I spend outside. In retrospect it's easier to look back now than it was when you first starting, but I just always had this knack to me that I wanted to know details and specifications. I grew up riding motorcycles and stuff on trails and whatnot around here. You could have named any Honda or Yamaha product and I could have told you how much it weighed and how much gas it could fit in its tank and how many inches of clearance it had and these weird specs, right? So I just always loved details. And then when it came to designing gear, I think it was just really natural for me. In terms of specs and what those turn into. I grew up outdoors, but I didn't grow up backpacking and I spent a lot of time just doing exactly that. I mean, the amount of times I just slept in my backyard, right? Because we started with sleeping bags and so I was just sleeping in my backyard in the middle of winter here in, in southern Utah just to learn as much as I possibly could and really hone in and improve product. On your website looks like the Rhyolite Pack was your first pack. Tell us a little bit about that and how it came to life. Yeah, so the Rhyolite Pack was my first pack and really my only pack that I designed a hundred percent myself. And that was just a marriage of what I'd used and what I'd loved. Then thinking about some of the features. The side zipper access, that was one of the favorite features on that piece. Being able to get into the bottom of your pack without fully unloading the backpack. That was really, something that I had seen on other packs, had used a little bit and loved. What was your, so your testing process back then, was it just you taking it out and testing? Yeah, so now obviously we can send bags off to get rated. But what we publicly like to claim is that we sleep in every sleeping bag down to within five degrees of its rating. That's like our stamp, and that takes a lot of field time, it takes opportunities that it's gonna be this temperature at this time and we gotta get out there and sleep in this bag. So there, there's some definite field time there, but we will also, take a poll on what things rate at, with the modern testing. Where did the name Outdoor Vitals come from? I designed our first logo just on a school computer, honestly, at college, and I'm not a designer in that sense of the word. The name wasn't much different, I guess you could say. just the idea of trying to merge different things that could potentially create a great name, right? And to me, really the name comes from the outdoors being a vital part of my life. I think it's important for everyone to get outdoors. I think it's absolutely critical in this day and age. Physical health, mental health, emotional health, that is the base. That's what grounds us. And so to me it really stems from this concept of the outdoors is a vital piece what's necessary to keep your sanity, at least for me anyway. I saw on your website 'opening the outdoors' is your mantra. What do you mean by that? Probably the biggest thing that drives me is to help people connect to the outdoors. Some of the biggest horror stories I ever hear are when I hear people that say something along the lines of, yeah, I went camping one time as a kid. I froze my butt off. I'll never go back. They've lost a lifetime of adventure, experience, connection, all of these amazing benefits that I know as a company knows. So opening the outdoors is this concept that the outdoors don't necessarily feel like they're open to everyone. Whether it's from product or whether it's from experience, right? If you don't have someone to hold your hand and take you outdoors, you don't have the confidence. But at the same time, gear really can matter. If you have great gear, you can focus on the experience there instead of being filled with anxiety that it might get cold tonight or that some rain might come through or, am I really prepared? All these types of things. And so we focus heavily on education. What's gonna keep people from getting outdoors really comes down to reducing their unknowns, those unknowns turn into fears, right? Anything that you have fear about is typically an unknown. And so if we can educate people and reduce the amount of unknowns, they build confidence, and by building that confidence in the gear, in their skillset and their knowledge and packing list, whatever we can possibly do, we help open the outdoor. and that just really pulls back to our purpose of connecting people to the vital outdoors. And how do you guys do that? What kind of education programs do you support or do you offer? Yeah, so from the very beginning, in fact, there are still videos of me in this tiny, little duplex that I own, and I'm sitting in front of our coffee table on a five-gallon bucket in front of our Drapes. I'm filming how to take care of a sleeping bag, how do you stuff the sleeping bag? How do you store a sleeping bag? How do you wash a sleeping bag? I mean, from the very, very beginning it was just any education we could do primarily through YouTube. How do we pack, what are gear lists? Taking 'em on trail to really showcase all of these, anything that we could. And so video has been the main media for us. However, that has changed a bit to also introducing podcasts. So we have a podcast called the Live Ultralight Podcast. That's our second medium now. Podcasts are huge. I think podcasts and YouTube channels are must have for business these days. You can do so much with that. You guys already create, we're creating fantastic gear, but you went through another evolution to create better gear, which you now, I think you now call outdoor vitals 2.0. Is that right? Internally, that's how we like to talk about it. You just say that to some of our big brand followers and they're gonna know exactly what that means. But really, what that meant is, I didn't have this Rockstar entrance. I didn't have a house to mortgage. I didn't come from a background of designing product or this is my second or third business startup. I didn't have those connections. And so really from 2014 to 2018 was us building cash flow, building team, building opportunities, learning grow. And we were always offering amazing product at the price points we were offering. But our own sites started to increase from better experiences, helping people be able to just have so much confidence in their gear outside. And so as those all raised in 2018, We launched our first apparel piece called the Loft Tech Jacket. And the loft tech jacket was something that we launched on Kickstarter and we were able to pre-sell a million dollars worth of that jacket. Then from that opportunity, I took that and I ran as fast as I could with it. So we went and basically petitioned some of the world's best fabric mills, the world's best suppliers, world's best wool producers, and I just was able to sell 'em on the brand and say, Hey, look, we're a direct to consumer brand. We don't care about price points when we're designing. You're gonna love to work with us, by the way, look at this third party website showing what we're capable of, showing that we've sold this much product on one product and the story that we're able to tell you should work with us. And we had a tremendous success rate getting into the world's top factories and mills. And so we pivoted off of that as well. At that point in time. design had just outgrown me. I didn't have the time and the resources to put into it and frankly, people that were trained and educated in this were gonna be able to, do things more efficiently and so on, so forth. So I also at that time, went out and hired our lead designer today. And between, the team growth and our partner growth, it debuted this concept of 2.0 where we were able to take and do things with product that we just simply weren't able to do before, that took a few years of us behind the scenes working our butts off. So it seems like you get outside as much as you can. In addition to your camping and, product testing trips, what other activities do you participate in? I still ride a dirt bike just a little bit. I need to ride a mountain bike a lot more than I do, but, so there's those aspects. I think I just love to explore. I love to see new stuff. Right. So whether it's Cross Country travel a little bit or anything related to that. I started picking up trail running a little bit, which has been a lot of fun. But that's pretty similar to hiking, I guess you can say Do you have any suggestions or advice for folks wanting to get into the outdoor biz? I would say like my biggest mistakes that I would advise other people is just, Obsess about product and what you're doing there versus what maybe what you think a business should be doing, where we live in this day and age, where business can get turned on its head in a heartbeat. Meaning like the old concept of you need 10 sleeping bags, to have a line of sleeping bags, to be anybody who's anybody. . It's just totally false. Now you can have a single product such as that loft tech jacket did for us that can turn a whole business on its head and, be something truly innovative and whatnot. So in my opinion, if you're wanting to get into this space, just be obsessed about the product. What are some of your favorite books? Some of the time I'm reading business books and we are reading those as a team. So I love Jim Collins and Good To Great and some of those books. I definitely was that era of growing up like on, on just like, Fiction books, like Harry Potter and some of those. I would be that kid, like as a fourth grader, I'd be out there mowing the lawn with a cassette player listening to Harry Potter. But I've also really enjoyed, recently, and like The Terminal List, it's, I guess probably more in the public eye with their Amazon series that they're doing on it. But the books are really good. Is there anything else you wanna say to our listeners or ask of our listeners? I'd just say get outside and take people outside, educate yourself. Where can people find you? What's the best way for them to follow up if they'd like to reach out? We've got a podcast. If you like listening to podcasts, jump over there. It's the Live Ultralight Podcast. Otherwise you can just go to outdoorvitals.com and find anything you'd need.

Welcome to the Evolvepreneur (After Hours) Show I am your Special Host Mechelle McDonald Join me today where we dig deep with our guests and get you the best concepts and strategies to fast-track your business. My very special guest today is Roxann Smithers ... Roxann Smithers is a Founder and Managing Member of Smithers + Ume-Nwagbo, LLC. Roxann has a passion for working with entrepreneurs and small business owners. Roxann's practice includes commercial litigation, premise liability, construction, contract review/negotiation, and general counsel services, in various state/federal jurisdictions. A Super Lawyers Magazine 2012, 2014-2016 Georgia Rising Star, Roxann Smithers and S+U team with the Access to Capital for Entrepreneurs, SBA, Emory Start:ME and Club E Atlanta to educate entrepreneurs. Finally, Roxann is a registered mediator focusing on business disputes.

Host Carl Lewis and NFL punter James Godlonton go through their best bets for Week 11 in the NFL including Carl's parlay. Tennessee Titans at Green Bay Packers    The Packers hammered Tennessee 40-14 the last time they met at Lambeau Field on Dec. 27, 2020. Aaron Rodgers and Christian Watson connected for three TDs in Week 10, which kept their NFC playoff hopes alive. Tennessee's offense has struggled, but Derrick Henry should feast against a Packers' defense that allows 140.6 rushing yards per game. Tennessee wins on a walk-off field goal by Randy Bullock.    Chicago Bears at Atlanta Falcons   Justin Fields, who has 325 rushing yards the last two weeks, is drawing comparisons to Michael Vick. Will Fields, a Kennesaw, Ga., native, put on a show against Vick's former team? Atlanta had a long week to bounce back from a Thursday Night Football loss against the Panthers. These are two of the three worst passing offenses in the NFL. Fields' play-making on the run will make the difference.    Carolina Panthers at Baltimore Ravens    The Ravens had a bye week, and that should help against the Panthers. Baltimore is 2-2 at home, and all of those games have been decided by four points or less. The Ravens are 27th in pass offense; one spot ahead of the Panthers. Will Lamar Jackson or P.J. Walker finds a rhythm through the air? The Panthers are 0-4 S/U on the road. Trust the home team.    Cleveland Browns at Buffalo Bills    The Browns still have two games before Deshaun Watson returns from an 11-game suspension, and they are going to be brutal. Buffalo is coming off a loss, and Josh Allen will bounce back against a Cleveland defense that was torched by Miami for 39 points and 491 yards in Week 10. The Browns won the last meeting 19-16 in Allen's second season in 2019. The Bills turn the tables.    Washington Commanders at Houston Texans    The Commanders are on the fringe of the playoff picture, and they have won two road games this season. Houston does not have much outside a solid rookie season from running back Dameon Pierce (772 yards, 3 TDs). The Texans are 0-4 ATS when they are an underdog of less than seven points.    Philadelphia Eagles at Indianapolis Colts    If Colts interim coach Jeff Saturday knocks the Eagles off, then will he be voted Coach of the Year? Jonathan Taylor resurfaced with 147 yards and a TD in Week 10, and that's the recipe Saturday is going to ride with Philadelphia coming off a short week. It will work into the second half, but the Eagles get back on track after Monday's loss to Washington. Jalen Hurts hits A.J. Brown with the game-winning touchdown in the final minute.    New York Jets at New England Patriots    These teams met in Week 8, and the Patriots won 22-17 on the strength of five field goals by Nick Folk. The Jets had a bye week to enjoy the victory against Buffalo. Zach Wilson had a season-low 48.8% completion percentage in the first meeting against the Patriots. What will Wilson learn from that experience on the road against a Bill Belichick defense?    Los Angeles Rams at New Orleans Saints    The Rams have lost three straight games, a stretch in which they have averaged 14.7 points per game. Now, Cooper Kupp might be out with an ankle injury. The Saints have averaged 11.5 points in back-to-back losses, and they have lost four of five. When two bad teams meet, anything can happen. This is a coin-flip game.    Detroit Lions at New York Giants    The Lions have a chance for a rare three-game win streak, and their offense looks better when Amon-Ra St. Brown is healthy. New York is 3-1 S/U in home games this season, and all four have been decided by eight points or less. The Giants keep it moving in the right direction in a thriller. The Lions still can't stop the run, and Saquon Barkley will have a huge game.    Las Vegas Raiders at Denver Broncos   It's the Josh McDaniels bowl in a battle of the most disappointing teams of 2022. Denver has the top scoring defense in the NFL, and yet the offense has been miserable. The Raiders have won the last five in this rivalry, but the Broncos flip the script.    Dallas Cowboys at Minnesota Vikings   The Cowboys are favored against Minnesota, which continues to produce close-game victories. Kirk Cousins is 2-8 lifetime against Dallas, and that includes a 1-2 mark with Minnesota. Still, the strong running game with Dalvin Cook and connection with Justin Jefferson has gone a long way this season. All that said, the fact Dallas is favored makes us think Dak Prescott will bounce back on the road.    Cincinnati Bengals at Pittsburgh Steelers    The Steelers beat the Bengals 23-20 and are a different team with T.J. Watt on the field. The Bengals, however, are coming off a bye week. Joe Burrow will not throw four interceptions this time, and the running game behind Joe Mixon will be a difference maker. Cincinnati picks up its first AFC North victory of the season.    Kansas City Chiefs at Los Angeles Chargers  Sunday, 8:20 p.m., NBC  The Chiefs have scored 40-plus points in three of their four road games, and they have a chance to win a ninth straight game at the Chargers' home field. Patrick Mahomes II maintains the hot hand, and the Chiefs continue to look like the team to beat in the AFC.    San Francisco 49ers (-7.5) at Arizona Cardinals    The 49ers are rounding into shape as a playoff contender, and the tag-team backfield of Christian McCaffrey and Eli Mitchell combined for 32 carries for 127 yards against the Chargers in Week 10. San Francisco will continue to grind out wins against Arizona, which might be without Kyler Murray (hamstring) for another week. The Cardinals did sweep this series in 2021, but the 49ers are the better team this time.   

Host Carl Lewis is joined by experienced NFL punter James Godlonton for Week 1 of the NFL. Which home underdogs are going to come through in Week 1 of the NFL season?  That's the big question knowing that 10 home teams are underdogs, starting with the defending Super Bowl champion in the Thursday Night Football opener. The Bills, a popular pick to win Super Bowl LVII, are slight favourites against the Rams in what should be a thrilling quarterback duel between Josh Allen and Matthew Stafford.  Which home underdogs are interesting? The Vikings could be a trendy pick against the Packers in a battle of NFC North teams. The Lions, this year's Hard Knocks superstars, are trying to start the season off with a victory against the Eagles. Those are a few we have an eye on.  NFL picks, predictions for Week 1 Buffalo Bills (-2.5) at Los Angeles Rams    The defending Super Bowl champion is 14-3 S/U in the NFL Kickoff Game. The Bills are “all-in” on a Super Bowl run, but the Rams are still more than talented enough to make a run at a repeat. The Rams are at home, and Matthew Stafford shakes off any doubts about a hangover season with a game-winning TD drive, complete with a TD pass to Cooper Kupp. Take the home underdog.  Pick: Rams 28, Bills 24  San Francisco 49ers (-7) at Chicago Bears    Let the Trey Lance era begin. Lance settles in behind a strong running game led by Eli Mitchell with Deebo Samuel mixed in against the Bears' run defense, which will improve under new coach Matt Eberflus. Justin Fields has trouble against the 49ers' pass rush, led by fellow former Buckeye Nick Bosa. Still a chance for a back-door cover here.  Pick: 49ers 24, Bears 17  New Orleans Saints (-5.5) at Atlanta Falcons    Jameis Winston and Marcus Mariota, the top two picks in the 2015 NFL Draft, are together again. It's a new era for the Saints with Dennis Allen as head coach, too. The Saints have won the last four at Atlanta by an average of seven points per game. We're tempted to pull the upset here, but it's tough to go against that trend.  Pick: Saints 24, Falcons 23 Pittsburgh Steelers at Cincinnati Bengals (-6.5)    The Bengals have a chance to beat the rival Steelers for the fourth straight time; something that hasn't happened since a six-game streak from 1988-90. That's when Cincinnati was the better team with Boomer Esiason. Guess what? The Bengals are the better team with Joe Burrow.  Pick: Bengals 30, Steelers 20  Philadelphia Eagles (-4) at Detroit Lions  Sunday, 1 p.m, FOX The Lions haven't won their opener since 2017, but the opportunity for Dan Campbell to get the second season off on the right foot is there. Philadelphia was 6-1 S/U as a favorite last season, and they made some solid additions on defense. Jalen Hurts and A.J. Brown combines for a strong connection early, and the Eagles escape Ford Field with a victory.  Pick: Eagles 29, Lions 26  New England Patriots at Miami Dolphins (-3)    It's the battle of the Alabama QBs. Tua Tagovailoa has a pair of speedy receivers in Tyreek Hill and Jaylen Waddle, and the Patriots enter their second year with Mac Jones. The Patriots have lost four of their last five in Miami, and there is a lot of uncertainty around the offense. That's why this is the upset nobody sees coming in Week 1. Well, Bill Belichick does.  Pick: Patriots 24, Dolphins 20    Baltimore Ravens (-7) at New York Jets  The Joe Flacco revenge game is here. The Jets quarterback will get a shot at his old team, and New York has a few impressive rookies in Garrett Wilson and Sauce Gardner. Lamar Jackson, however, is in prove-it mode around an offense that has enough playmakers to make a run in the AFC. Baltimore has won nine of the last meetings against the Jets.  Pick: Ravens 30, Jets 22  Jacksonville Jaguars at Washington Commanders (-3)  Sunday, 1 p.m, FOX The Carson Wentz era begins in Washington, but Jacksonville coach Doug Pederson has some experience against the Commanders from his Philadelphia days. That means a tight game on both sides, and Washington won't have Chase Young in this game. This one could be a field goal at the buzzer, and we'll stick with the home team.  Pick: Commanders 24, Jaguars 21  Cleveland Browns at Carolina Panthers (-2.5)  Sunday, 1 p.m, CBS The Baker Mayfield Bowl is here. The Browns are relying on Jacoby Brissett through the Deshaun Watson suspension, and the potential headlines if Mayfield beats his former team will be off the charts. Nick Chubb, however, will lead a ground-heavy attack and Myles Garrett comes up with the strip sack in crunch time. Cleveland holds off the potential embarrassment, but not by much.  Pick: Browns 22, Panthers 20    Indianapolis Colts (-8) at Houston Texans    The Texans open the Lovie Smith era, and it's going to be a rebuild. Dameon Pierce will impress in spots, the Colts – led by veteran quarterback Matt Ryan – flex as a potential Super Bowl contender at their AFC South rival's expense. The Colts are 8-5 as the away favorite under Frank Reich.  Pick: Colts 28, Texans 21 New York Giants at Tennessee Titans (-5.5)    The Giants open the Brian Daboll era, and the offence needs to be better after averaging 15.2 points per game last season. Saquon Barkley is in a prove-it year, but yards will be tough against the Titans' defence. Tennessee controls the home opener around Ryan Tannehill and a healthy Derrick Henry.  Pick: Titans 28, Giants 20  Green Bay Packers (-1.5) at Minnesota Vikings Sunday, 4:25 p.m, FOX This is a tough one to pick. Aaron Rodgers has an unproven group of receivers at U.S. Bank Stadium, which is one of the tougher venues. The Vikings have a new coach in Kevin O'Connell, and Kirk Cousins will be aggressive with Justin Jefferson and Adam Thielen. The Packers are 2-4 in their last six trips to Minnesota. This won't be easy, but we'll trust Rodgers to be better than last year's Week 1 disaster.  Pick: Packers 28, Vikings 22    Kansas City Chiefs (-4.5) at Arizona Cardinals  Sunday, 4:25 p.m, CBS The Patrick Mahomes-Kliff Kingsbury connection is a narrative, but the focus will shift toward Kyler Murray, who was the headlines for most of the offseason. How will he fare without DeAndre Hopkins? How will Mahomes look without Tyreek Hill? The Chiefs are 12-1 S/U against the NFC teams in the regular season the last three seasons. Perhaps that is  why the line has bumped up two points.  Pick: Chiefs 33, Cardinals 24  Las Vegas Raiders at Los Angeles Chargers (-3)  Sunday, 4:25 p.m, CBS This was a wild game in Week 18 last season, and these are two AFC West contenders. The Raiders have split the last eight road meetings against the Chargers, and new coach Josh McDaniels brings a new element to the rivalry. Look for Derek Carr to stay comfortable with Davante Adams and Darren Waller, but the Raiders have to keep the ground game going late to preserve the victory. The Chargers were 5-4 at home last season.  Pick: Raiders 27, Chargers 24  Tampa Bay Buccaneers (-2) at Dallas Cowboys    This line dropped a half point toward the Cowboys, who pushed the Buccaneers last year in Week 1 in a 31-29 shootout. Tom Brady returned from retirement, and at 45 years old he will be the focus against Dallas' defense led by Micah Parsons. This game could play out a lot like the last one, but we're not done betting on Brady in the clutch yet.  Pick: Buccaneers 31, Cowboys 27  Denver Broncos (-6.5) at Seattle Seahawks  Monday, 8:15 p.m., ESPN/ABC Russell Wilson won't have to wait long to face his former team. The Broncos have a talented, young team, too, and the Seahawks have a tenuous quarterback situation at best. Seattle ranked 31st in pass defense last season. Wilson will cap Week 1 with a memorable MNF performance.  Pick: Broncos 30, Seahawks 20 

The Pennsylvania Legislature passes a budget package which features efforts to address the Chesapeake Bay; Bayer loses on an appeal regarding its Roundup liabilities; and the Pennsylvania Milk Marketing Board commits to reconsider its direction for the last 30-plus years by setting 3 days of hearings on potentially making material alterations to its Over-Order Premium.   Hosted by Ethan Durand, Research Assistant—With Brook Duer, Staff Attorney—Produced & Written by Ethan Durand Penn State Center for Agricultural and Shale Law https://aglaw.psu.edu/ Follow us on Twitter: @AgShaleLaw Like us on Facebook: Penn State Center for Agricultural and Shale Law This material is based upon work supported by the National Agricultural Library, Agricultural Research Service, U.S. Agricultural Research Service, U.S U.S. Department of Agriculture.

This is a clip from : Loyalty & Leadership : The Dharius Daniels Story - Episode #236 w/ Dharius DanielsListen To Full Episode here https://stream.redcircle.com/episodes/f0fb3d1f-d6c0-4901-b6bf-9d0d3b5ddc25/stream.mp3Watch Full Episode here : https://youtu.be/kfcqKokglcQEmotional intelligence specialist, speaker, and coach, Dr. Dharius Daniels is passionate about both business and spiritual transformation.With over 20 years of leadership experience he brings a fresh perspective on Emotional Intelligence, Identity, Leadership Ability, High Performance Habits, and so much more! Get ready for a master class on Loyalty and Leadership as we tap into major themes like :- Leadership as influence and not solely a position ; the need leaders have to be self aware and self accepting.- Changing Yourself Vs. Hacking Yourself : the power to produce long-term changes in your life by tweaking your approach and outlook on habits.- The Process of Decommitting: what are the steps one should take to proactively and respectfully pivot on a decision that no longer is their best interest.- Rhythm Vs. Being Centered : Our innate need as leaders to touch the areas of our lives without dropping them.- The Head, Heart, Hands approach to life change : why leaders need to not just be motivational but transformational.And so much more!

This is a clip from Loyalty & Leadership : The Dharius Daniels StoryEmotional intelligence specialist, speaker, and coach, Dr. Dharius Daniels is passionate about both business and spiritual transformation.With over 20 years of leadership experience he brings a fresh perspective on Emotional Intelligence, Identity, Leadership Ability, High Performance Habits, and so much more! Get ready for a master class on Loyalty and Leadership as we tap into major themes like :- Leadership as influence and not solely a position ; the need leaders have to be self aware and self accepting.- Changing Yourself Vs. Hacking Yourself : the power to produce long-term changes in your life by tweaking your approach and outlook on habits.- The Process of Decommitting: what are the steps one should take to proactively and respectfully pivot on a decision that no longer is their best interest.- Rhythm Vs. Being Centered : Our innate need as leaders to touch the areas of our lives without dropping them.- The Head, Heart, Hands approach to life change : why leaders need to not just be motivational but transformational.And so much more!

Emotional intelligence specialist, speaker, and coach, Dr. Dharius Daniels is passionate about both business and spiritual transformation.With over 20 years of leadership experience he brings a fresh perspective on Emotional Intelligence, Identity, Leadership Ability, High Performance Habits, and so much more! Get ready for a master class on Loyalty and Leadership as we tap into major themes like :- Leadership as influence and not solely a position ; the need leaders have to be self aware and self accepting.- Changing Yourself Vs. Hacking Yourself : the power to produce long-term changes in your life by tweaking your approach and outlook on habits.- The Process of Decommitting: what are the steps one should take to proactively and respectfully pivot on a decision that no longer is their best interest.- Rhythm Vs. Being Centered : Our innate need as leaders to touch the areas of our lives without dropping them.- The Head, Heart, Hands approach to life change : why leaders need to not just be motivational but transformational.And so much more!

2022 Dynasty Startup Mock draft. Guest Brian "Razor" Rosenthal of Beerlife Sports will compete in a dynasty S/U mock vs RotoWire's Alan Seslowsky. See where the experts are drafting prior to the 2022 NFL draft. This is a single QB and PPR league. RotoWire Premium FREE 10 day trial www.RotoWire.com/TRY (NO Credit Card Needed) FREE '22 Dynasty Superflex Rankings https://www.rotowire.com/football/che... Follow on Twitter: RotoWire ➡️ http://www.twitter.com/rotowire RotoWire NFL ➡️ http://www.twitter.com/rotowire Betting ➡️ http://www.twitter.com/Rotowiresports Beer Life Sports ➡️ https://twitter.com/BeerLife Razor Rosenthal ➡️ https://twitter.com/RosenthalRazor Alan Seslowsky ➡️ https://twitter.com/alanseslowsky RotoWire Socials Instagram: https://www.instagram.com/rotowire TikTok: https://www.tiktok.com/rotowire RotoWire Betting ➡️ http://www.twitter.com/rotowireSports TikTok : https://www.tiktok.com/alanseslowsky Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this week's "Face the Nation" with moderator Margaret Brennan. Breaking News -- CBS News National Security Correspondent David Martin reported moments ago on "Face the Nation" that Russian troops have been given orders to invade Ukraine. Before Sunday's news, President Biden announced Friday that the U.S had "no reason to believe" Moscow had decided to move forward with an invasion. We'll hear from Secretary of State Antony Blinken, Russia's U.S Ambassador Anatoly Antonov, and Ukraine's U.S Ambassador Oksana Markarova. According to U.S Intelligence, increased cyber attacks are meant to be the opening act of the invasion. Senator Chris Krebs discusses the U.S U.S. strategy to combat this warfare. Where does America's belief of a pending Russian invasion of Ukraine leave NATO? This Sunday, we talk to Secretary General Jens Stoltenberg for answers to that critical question and more. Uncertainty over the Russia-Ukraine crisis sent the market into flux over the last two weeks. CBS News Business Analyst Jill Schlesinger explains. Finally, we learned that Queen Elizabeth has tested positive for COVID-19. Buckingham Palace has announced that the 95-year-old monarch is experiencing “mild cold-like symptoms.” She is expected to continue “light duties at Windsor over the coming week.”See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tiếp tục việc giải cứu những lao động người Việt bị đánh đập và ngược đãi sau khi các công ty xuất khẩu lao động đưa họ sang Ả Rập Sê Út, lại có thêm các trường hợp mới nhất được cảnh sát nước nầy khám phá.

Tổ chức tranh đấu nhân quyền BPSOS ở Washington trong 3 tháng qua đã thu thập bằng chứng về nhiều trường hợp trẻ em vị thành niên bị đưa sang làm người giúp việc tại Ả Rập Sê Út, với ngày tháng năm sinh bị thay đổi.

Có 240 phụ nữ người Việt thuộc diện xuất khẩu lao động tại Ả Rập Sê Út đã được đưa về nước trên chuyến chuyên cơ của đội tuyển bóng đá Việt Nam hồi cuối tuần qua. Đây là con số nhỏ của khoảng từ 8 đến 6 ngàn nữ lao động Việt Nam bị xem là nạn nhân buôn người, khi bị đánh đập, bóc lột sức lao động với giờ làm việc đến 20 giờ mỗi ngày

Sorularınız için: https://bit.ly/3xuKeBR Canlı yayın linki: https://bit.ly/3dYvFhZ Kariyer sohbetlerini takip etmek için: https://bit.ly/2HuqQya Websitemiz: https://kesisenyollar.org/ Youtube kanalımızı takip etmek için: http://bit.ly/KesisenYollarYoutube Geri bildirimleriniz için: https://bit.ly/3xvWe69 Gözde Ünal Lisans derecesini ODTÜ, Yüksek Lisans derecesini Bilkent Üniversitesi'nden aldıktan sonra doktora çalışmalarını 2002 senesinde North Carolina State University'de Elektrik ve Bilgisayar Mühendisliği bölümünde, Matematik doktora yandalı ile birlikte aldı. Ardından Georgia Institute of Technology'ye doktora sonrası araştırmacı olarak katıldı. Daha sonra 2003-2007 seneleri arasında Siemens Corporate Technology, Princeton, New Jersey'de araştırmacı bilim insanı olarak çalıştı.2007 senesinde Türkiye'ye akademisyen olarak döndü. İlk olarak Sabancı Üniversitesi'nde Mühendislik ve Doğa Bilimleri Fakültesi'nde Yrd. Doç. Dr. ve Doç. Dr. olarak çalıştı. Ardından İstanbul Teknik Üniversitesi Bilgisayar ve Bilişim Fakültesi'ne katıldı, ve halen bu kurumda Profesör olarak görev yapmakta. 2018-2020 arasında İTÜ Yapay Zeka ve Veri Bilimi Uygulamalı Araştırma Merkezi'nin (ITU-AI) Kurucu Direktörü olarak görev yapan Prof. Ünal uluslararası ve ulusal birçok organizasyonda görev aldı. Bunlar arasında MICCAI 2016, MIDL 2019 ve SİU 2017 konferansları Teknik Program Başkanlığı, Women in MICCAI kurucu üyeliği, IEEE Transactions on Image Processing dergisinde Yardımcı Editörlükleri sayılabilir. 30'dan fazla uluslararası patente sahip olan Prof. Ünal, 2010 senesinde L'Oreal Türkiye Yılın Genç Bilim Kadını ve TÜBA GEBİP Genç Bilim İnsanı ödülleri, 2016 senesinde Marie Curie Alumni Association Kariyer Ödülünü almıştır. 2020 senesinde öğretime başlayan İTÜ Yapay Zeka ve Veri Mühendisliği Lisans Bölümü kurucu profesörlerindendir. Halen ITU AI kurucu üyesi ve ITU Vision Lab direktörlüğünü yürütmekte olan Prof. Ünal yapay zeka, derin öğrenme ve bilgisayarla görü alanlarında araştırma çalışmalarına devam etmekte.

Merc and Blue do what they do when they tell you the true about the red white and blue of the blood stained flag of the A S U or USA, telling it the right way, the right twist, you can get the lead but real men prefer the fist, let me a list, and kiss, the prejudice goodbye, but that is what the country was built on, and whomever says otherwise is a lie. POLITRICKS --- Send in a voice message: https://anchor.fm/theurbanbreakdown/message

En este episodio de Value Investing FM, Adrián y Paco tenemos el placer de tener con nosotros de nuevo a Alejandro Estebaranz, director de inversiones de True Value Investments y divulgador bursátil en el Arte de Invertir, para repasar sus carteras de inversión en 2021. Nos hablará de: • Cómo gestionó sus carteras durante las crisis del covid • La evolución de GoEasy y S&U desde su presentación en el Gran Evento de Value Investing FM: https://www.youtube.com/watch?v=cz64T01ys8s • Cómo buscar varias empresas en sectores dentro de su círculo de competencia • Su visión sobre la inflación y las expectativas económicas a corto y medio plazo • El primer año de vida de True Value Small Caps, con una rentabilidad de más del 100% desde el inicio • Algunas de sus posiciones como Dye & Durham, IDT, Nagarro o Topicus • Su error en Knight Therapeutics • La lección más importante que ha aprendido este último año

In today's recap we talk about how El Salvador government says Bitcoin can now be used as a legal tender in the country and a higher-than-expected inflation rate in the U.S U.S inflation shows prices soaring by +5% in May vs a year ago, the biggest increase since the Great Recession of 2008 & 2009. While it may still be distorted by the pandemic, analysts differ on what this means for the U.S. economy. The CPI also showed a gain of +4.2% [...] The post Recap June 13: Bitcoin Money El Salvador, Inflation Skyrockets (Recap ep127) appeared first on Investing & Day Trading Education: Day Trading Academy.

Bonjour à tous et bienvenue dans ma salle de classe virtuelle.  Partons à New York, dans la ville qui ne dort jamais. Imaginez ..... Le ciel est bleu, COVID a disparu de nos vies, et vous êtes assis à l'extérieur d'un café. -Hello Luz! How are you doing today ?-Hi Cathy! I feel great! The sun is hot, I am healthy, I am happy and I am in love. How about you?-I'm doing really well, thank you!-Excuse me! Waiter !-Hello ladies, How can I help you today ?-Two coffees, please.-With or without sugar?-A coffee with sugar, and a coffee without.-With or without milk?-No milk, two black coffees, please.-Here you go. 10 dollars, please.-10 dollars? But it is very expensive!-Yes, coffees cost 5 dollars, each.-Here. Please keep the change. Thank you.-You are welcome, have a good day !-Bye1-Vocabulaire:How are you doing today ?How can I help you today ?Le mot TODAY signifie aujourd'hui. C'est un mot composé provenant du mot «DAY» qui veut dire «jour».Ce même mot « day » est d'ailleurs utilisé par le serveur pour dire au revoir. Comme en français, il est possible de substituer «au revoir» par «bonne journée»Have a good day !Have a nice day !Enjoy your day !2. Les prix - PricesCombien ça coûte ? – « How much is it? », « what is the cost ? »Ça coûte 5 dollars – « It costs 5 dollars »Ou, au pluriel : Coffees cost 5 dollars, each.C'est très cher! – It is very expensive!L'adverbe “Très”  - "very"C'est très cher!  It is very expensive !Comme en français, « very » compte de nombreux synonymes :Je me sens très bien ! I feel great ! l'adjectif « Great » remplace « very well » et peut être utilisé seul dans la phrase :How are you ?Great !Je vais super bien !  I'm doing really well !3. Avec” and “Sans - With et withoutAvec ou sans sucre? With or without sugar?Avec ou sans lait? With or without milk?Un café avec sucre, et un sans sucre – One coffee with sugar and one without.Prononciation❗️Le mot SUGAR commence par les lettres S-U mais dites « Shugar », comme si le mot commençait par CHConseil pratique : Luz dit au serveur de garder la monnaie: « Keep the change », mais attention, aux USA, n'oubliez pas d'ajouter un pourboire de 15% à 20% de la somme totale.4.Apprenons nos chiffres :Two Coffees, five dollars, ten dollars.1-One2-Two3-Three4-Four5-Five6-Six7-Seven8-Eight9-Nine10-TenLes couleurs: NOIR, BLANC, GRISBonne nouvelle !!! Les adjectifs sont invariables en anglais ! Voici quelques exemples :NOIR - BLACK1.Le pantalon est noir -  The pants are black (Pantalon est un nom invariable au pluriel car il couvre deux jambes! Pareil pour “shorts” d'ailleurs!)2. Les pantalons sont noirs -  The pants are black3. La maison est noire - The house is black4. Les maisons sont noires - The houses are black BLANC - WHITE1.Le pantalon est blanc – The pants are white2.Les pantalons sont blancs – The pants are white3.La maison est blanche - The house is white4. Les maisons sont blanches - The houses are white GRIS - GRAY1. Le pantalon est gris - The pants are gray2. Les pantalons sont gris – The pants are gray3. La maison est grise - The house is gray4. Les maisons sont grises - The houses are gray

NEW MUSIC ALERT! BRAND NEW SONGS!! Your ears are going to think you died and went to heaven over the new songs and sounds in episode 7!...lol Its a fabulous mix of great tunes from the next group of my talented acts from A to Z! (S-U) is sure to give you a clue that if you haven't heard the Halshack before then you are in for quite a score!! Have fun getting to know our great bands and solo artists as you look forward to number 8! I'm sure it will be GREAT! Later folks, be sure to find all the great Halshack shows on your favorite music service or ZENO FM or my website www.Halshack.com

Ellie Shannon discusses the University adopting S/U grading and extending withdrawal deadlines as well as changes in executive leadership for Poudre School District. Dixon Lawson gives new updates on sports, and Ivy Winfrey speaks to Matt McKillop about climate change. Kota Babcock gives updates on mask wearing, the prevention of a government shutdown, and a man being arrested for threatening journalists. Then, Ivy speaks to Incident Commander Trainee Matt Champa about his experiences working on the cameron peak fire firefighting efforts. After that, Kota updates COVID-19 statistics and gives new information on controversies including Facebook and Google. After that, Ivy wraps up the show with some of the weirdest stories of Thursday.

Hey Bears! Read more Frequently Asked Questions about the S/U Grading Option: https://www.unco.edu/return-to-campus... S/U courses are not used in your GPA calculation and will indirectly change your Grade Point Average. Your GPA may impact your Financial Aid, Academic Standing, and Program Eligibility. This week we unpack what S/U means and how to calculate your GPA.

Head chef restaurace Eska Tomáš Valkovič, kterýho spousta lidí v naší bublině znáš spíš pod přezdívkou Učko, je dalším hostem Tradeshow. S Učkem jsme kecali o jeho začátcích, prvních zkušenostech a o tom, jak se z Calex City dostal do kuchyně jedné z nejvyhlášenějších restaurací v Praze. Jeho oblíbená aktivita jsou ale různé pop-up eventy, na kterých s Jirkou Horákem dělá legendární langoše, nebo nově také mexické tacos. A jestli tě zajímá, jak bude vypadat jeho vysněný podnik, určitě doposlouchej novej díl Tradeshow až do konce. Donate na Tradeshow.cz.

In this episode, Coach Joe and Coach Arian go over the best squat variations for gains! They group the different variations into the best ones for improving technique, the best ones for increasing hypertrophy, and the best ones for overall strength. This episode is in conjunction with the latest S&S U video on "Technical Faults in the Squat and How to Fix Them". Be sure to check out that video to learn how to maximize your competition squat through the following link. https://youtu.be/csDRX0kvKKU . And you can follow us on Instagram for all the latest knowledge through the following link. https://instagram.com/squatsandscience . Intro and Outro song is Holy Thursday by David Axelrod.

Gözde Ünal Kimdir? Gözde Ünal Lisans derecesini ODTÜ, Yüksek Lisans derecesini Bilkent Üniversitesi'nden aldıktan sonra doktora çalışmalarını 2002 senesinde North Carolina State University'de Elektrik ve Bilgisayar Mühendisliği bölümünde, Matematik doktora yandalı ile birlikte aldı. Ardından Georgia Institute of Technology'ye doktora sonrası araştırmacı olarak katıldı. Daha sonra 2003-2007 seneleri arasında Siemens Corporate Technology, Princeton, New Jersey'de araştırmacı bilim insanı olarak çalıştı. 2007 senesinde Türkiye'ye akademisyen olarak döndü. İlk olarak Sabancı Üniversitesi'nde öğretim üyeliği yaptı. Ardından İTÜ Bilgisayar Mühendisliği Bölümü'ne katıldı ve halen bu kurumda Profesör olarak görev yapmakta. İTÜ Yapay Zeka ve Veri Bilimi Uygulamalı Araştırma Merkezi'nin (ITU-AI) Kurucu Direktörü olarak görev yapan Prof. Ünal uluslararası ve ulusal birçok organizasyonda görev aldı. Bunlar arasında MICCAI 2016, MIDL 2019 ve SİU 2017 konferansları Teknik Program Başkanlığı, Women in MICCAI kurucu üyeliği, IEEE Transactions on Information Technology in Biomedicine dergisinde Yardımcı Editörlükleri sayılabilir. 30'dan fazla uluslararası patente sahip olan Prof. Ünal, 2010 senesinde L'Oreal Türkiye Yılın Genç Bilim Kadını ve TÜBA GEBİP Genç Bilim İnsanı ödülleri, 2016 senesinde Marie Curie Alumni Association Kariyer Ödülünü almıştır. Halen ITU AI üyesi ve ITU Vision Lab direktörlüğünü yürütmekte olan Prof. Ünal yapay zeka, derin öğrenme ve bilgisayarla görü alanlarında araştırma çalışmalarına devam etmektedir.

In this episode, Coach Joe and Coach Arian go over the best deadlift variations for gains. They group the different variations into the best ones for improving technique, the best ones for increasing hypertrophy, and the best ones for overall strength.This episode is in conjunction with the latest S&S U video on "Common Technical Errors in the Deadlift and How to Fix Them". Be sure to check out that video to learn how to maximize your competition deadlift through the following link. https://youtu.be/IspwT80aNPE . And you can follow us on Instagram for all the latest knowledge through the following link. https://instagram.com/squatsandscience

S&U! heads to the American Museum of Natural History to learn about oceans. Concussions in sports are given a full examination, while Donna Hanover gets the new Shingles vaccine, and exercise is given additional benefits to aging.

S&U! talks the health of our oceans with Fabien Cousteau. A marine biologist turned photographer, a Staten Island facility preserving NYC native plant life and a meteorologist studying jetstreams bring awareness to the issues our climate faces.

Mục Sư Uông Thanh Sơn giảng luận. Chúa Nhật 11-03-2018. HTTL Montreal.

On this month's S&U how to avoid flu season, making sure students are ready for jobs in VR, and growing up an adolescent girl.

On this episode of S&U, we explore artificial muscles, coyotes in New York City, marijuana as a pain management alternative, and a green energy community in Brooklyn.

Cam & Sam break down the Week 10 action to come in college football and alienate their audience by talking about who is the Trump and Hillary of College Football. The crew also gives their picks against the electoral college point spread and S/U for the 2016 presidential election.

In episode 197, Chris Crespo and Drewster Cogburn are joined by returning guest Chico! Chris and Drew review The Accountant. The Netflix Instant Pick of the Week is Gomorrah. Billy D reviews a Dillinger Escape Plan concert and Phantasm: Ravager. Dr. Drew gives his two cents on the October surprise. The Crespodisco features two songs by S U... The post #197 – The $6,000 Man appeared first on Cinema Crespodiso.

In this episode of S&U! we explore just how closely Science and Arts are related.

In this program, S&U! highlights just some of the important ways that science research can improve our health.

This episode of S&U! will show you how science can be fun for people of ALL ages!

Siltanen, S (U. of Helsinki) Tuesday 22 November 2011, 14:00-15:00

Pankavich, S (U.S. Naval Academy) Friday 10 September 2010, 17:00-17:30

Phycobilins are light harvesting pigments of cyanobacteria and red algae. In cyanobacteria, four phycobiliproteins are organized in phycobilisomes: phycocyanin (PC), allophycocyanin (APC), and often also phycoerythrocyanin (PEC) or phycoerythrin (PE). Their phycobilin chromophores, linear tetrapyrroles, are generally bound to the apoprotein at conserved positions by cysteinyl thioether linkages. A final step in phycobiliprotein biosynthesis is the post-translational phycobilin addition to the various biliproteins. In vivo, the correct attachment of most chromophores is catalyzed by binding-site and chromophore-specific lyases. Only two such lyases, which both belong to the E/F-type were known at the beginning of this work. Two additional types, S/(U)-type and T-type lyase, have been characterized during this work. In addition, the correct structures of the products from all three lyase types have been verified, and evidence was obtained for the reaction mechanisms. This characterization relied on two methodological advances. The first is the use of a multi-plasmidic expression system for reconstitution of phycobiliproteins in E. coli. After cloning of apophycobiliprotein genes, phycobilin biosynthesis genes and (putative) lyase genes from several cyanobacteria, various phycobiliproteins could be biosynthesized in the heterologous E. coli system using dual plasmids containing the respective genes. This heterologous system produces higher yields than the in vitro reconstitution, it is nearly devoid of spontaneous binding, better reproducible, and more easily controlled. The second methodological advance is the consequent use of a combination of chromatographic, electrophoretic and spectroscopic tools that allowed a full characterization of the structure and binding sites of attached chromophores. This included, besides optical spectroscopy, in particular mass and magnetic resonance (1H-NMR) spectroscopy. Using the unmodified genes coding for both subunits of PEC, as well as their cystein mutants, three lyases were identified for the three binding site. Besides the already known isomerizing lyase, PecE/PecF, for Cys-84 of α-PEC, these are the two new lyases, CpcT (all5339) for Cys-153 of β-PEC, and CpcS (alr0617) for Cys-82 of β-PEC. The spectroscopic analysis proved that the chromophores (PCB and PVB)are correctly attached to these three binding sites. Similarly, three lyases were identified for the three binding sites of CPC. The well known heterodimeric lyase (CpcE/CpcF) catalyzes the covalent attachment of PCB to αC84 of CPC, CpcS catalyses the site-selective attachment of PCB to cysteine-β84 in CpcB; and CpcT for cysteine-β155 of CpcB. CpcE/F is specific for CpcA, while CpcS and CpcT can react with both CpcB and PecB. We also tested the lyase activity of the deoxyhyposyl-hydroxylase (DOHH) from the malaria parasite, Plasmodium falciparum. This enzyme has Heat-like repeats that are characteristic for the E/F-type lyases, but it had not chromophore-attaching activity. The substrate specificity of the new lyase, CpcS (coded by alr0617), was further tested with APC subunits; It is very unspecific with regard to the acceptor protein and attaches PCB to ApcA1, ApcB, ApcD ApcF, as well as to the product of an additional gene, apcA2; of unknown function that is highly homologous to apcA1 coding for the APC α-subunit. Obviously, this lyase has a much broader substrate specificity than the E/F-type lyases, but it has high site-specificity, attaching the chromophore exclusively to the Cys-84 (consensus sequence) binding site of the APC subunits. CpcS from Anabaena PCC7120 is a relatively simple system, it acts as a monomer, and does not require any cofactors. CpcS binds PCB rapidly (