Podcasts about uniformly

On this episode, we talk about ShadowDark monsters! We look at a number of monster bestiaries, a zine dedicated to creating and adapting monsters for the game, and two dedicated monster-finding tools. What more ShadowDark? We've got more ShadowDark! d8 ShadowDark Mistakes We Made (S4E19) d12 Ways ShadowDark is Awesome! (S4E15) Shadowdark Impressions (Campaigns & Coffee) Unboxing Cursed Scrolls 3: Midnight Sun for ShadowDark Chapters 00:00 Introduction00:54 Monster 2403:02 VALHOLL!04:21 Shadowfinder Complete Bestiary05:24 Creating and Adapting Monsters for ShadowDark14:16 The Monster Overhaul15:12 Ruincairn Bestiary17:20 ShadowDark Monster Tools19:34 Conclusion and Future Discussions Listen to the Episode Watch to the Episode Watch d8 ShadowDark Monster Resources on YouTube. Show Notes ShadowDark specific Monster Resources Monster 24 Cost: $2 (pay what you want) 250 monsters by Tom Phillips, who spent 2024 creating monsters and publishing them to Reddit. This compiles his various critters into one document. Includes gaggles of hags (forest hags, tomb hags, venom hags), plenty of plants (carnivorous cave moss, blood orchid, vampire grass), and oodles of oozes and slimes (chaos pudding, green slime, umber jelly) VALHOLL! Nashcraeft #1 Cost: $6.99 A fanzine that builds on Cursed Scrolls #3: Midnight Sun. Introduces a bunch of monsters as well as a “lot system” as alternative to carousing, new magic items, new blessings, and 4 classes. Shadowfinder Complete Bestiary Cost: $25 (PDF) $29 (POD+PDF) as part of the Kickstarter Every PF 1E bestiary, #1-6, converted for Shadowdark RPG. The kickstarter is over; hopefully they'll release this for sale when the Kickstarter-created book releases in October 2025. Creating and Adapting Monsters for ShadowDark Cost: $5 (pay what you want) Very handy, fan-created rules for making your own monsters (or converting them from other systems). Advice on creating monsters including “VIBES OVER COMPLEXITY”, “USE NATURAL LANGUAGE”, “MONSTER SPELLS ARE WEIRD”, and “RULES ARE MEANT TO BE BROKEN” Options include: BUILD BY EQUIVALENTS If your monster is like a knight, bugbear, or zombie … just use the stat block as is. BUILD BY ADAPTATION Say you want to recreate the 5e Bandit Captain, you take the ShadowDark bandit, and beef it up.  BUILD BY BENCHMARK E.g. converting Yakfolk warrior. Look at the CR (in this case, CR 3, compare it to CR3 monsters in ShadowDark, and start building. It has a talent bank describing all kinds of monster capabilities and a big list of monster spells.  It includes a bunch of horrors as well, including blink dogs, ettins, pseudodragons, unique horrors like the  “Eyeball Wall”, and a number of NPCs (pyromancer, cultist, etc.). ShadowDark adjacent Resources Runecairn Bestiary Cost: $13.49 100 Norse-inspired monsters for Runecairn, an Old School Renaissance RPG. The OSR stat blocks are close enough to ShadowDark to make conversion pretty easy. Includes sabertooth cats, grave newts, ogres, and giant octopi. The Monster Overhaul Cost: $30.00 (PDF) $60 (PDF+Print) Come for the 200+ monsters, stay for the ecology and random table pieces. Uniformly praised online. It's got entries for NPCs (adventurers, barbarians) each with d100 names and character traits. For monsters, it delves beyond the stat block. Goblins get the same d100 names and traits PLUS physical descriptions, motivations, mounts, elite weapons, and loot.  Plus there are random tables like “50 mercenary jobs” and generic maps of locations like a wizard tower and a village. ShadowDark Monster Tools ShadowDark Tools: Monster Reference Filter monsters from the ShadowDark core rules + the first three Cursed Scrolls. Criteria include monster level, environment, type (e.g. angel, aberration), movement type (burrow, climb, fly), attack (blood drain, petrify, venom),

On this episode, we talk about ShadowDark monsters! We look at a number of monster bestiaries, a zine dedicated to creating and adapting monsters for the game, and two dedicated monster-finding tools. What more ShadowDark? We've got more ShadowDark! d8 ShadowDark Mistakes We Made (S4E19) d12 Ways ShadowDark is Awesome! (S4E15) Shadowdark Impressions (Campaigns & Coffee) Unboxing Cursed Scrolls 3: Midnight Sun for ShadowDark Chapters 00:00 Introduction00:54 Monster 2403:02 VALHOLL!04:21 Shadowfinder Complete Bestiary05:24 Creating and Adapting Monsters for ShadowDark14:16 The Monster Overhaul15:12 Ruincairn Bestiary17:20 ShadowDark Monster Tools19:34 Conclusion and Future Discussions Listen to the Episode Watch to the Episode Watch d8 ShadowDark Monster Resources on YouTube. Show Notes ShadowDark specific Monster Resources Monster 24 Cost: $2 (pay what you want) 250 monsters by Tom Phillips, who spent 2024 creating monsters and publishing them to Reddit. This compiles his various critters into one document. Includes gaggles of hags (forest hags, tomb hags, venom hags), plenty of plants (carnivorous cave moss, blood orchid, vampire grass), and oodles of oozes and slimes (chaos pudding, green slime, umber jelly) VALHOLL! Nashcraeft #1 Cost: $6.99 A fanzine that builds on Cursed Scrolls #3: Midnight Sun. Introduces a bunch of monsters as well as a “lot system” as alternative to carousing, new magic items, new blessings, and 4 classes. Shadowfinder Complete Bestiary Cost: $25 (PDF) $29 (POD+PDF) as part of the Kickstarter Every PF 1E bestiary, #1-6, converted for Shadowdark RPG. The kickstarter is over; hopefully they'll release this for sale when the Kickstarter-created book releases in October 2025. Creating and Adapting Monsters for ShadowDark Cost: $5 (pay what you want) Very handy, fan-created rules for making your own monsters (or converting them from other systems). Advice on creating monsters including “VIBES OVER COMPLEXITY”, “USE NATURAL LANGUAGE”, “MONSTER SPELLS ARE WEIRD”, and “RULES ARE MEANT TO BE BROKEN” Options include: BUILD BY EQUIVALENTS If your monster is like a knight, bugbear, or zombie … just use the stat block as is. BUILD BY ADAPTATION Say you want to recreate the 5e Bandit Captain, you take the ShadowDark bandit, and beef it up.  BUILD BY BENCHMARK E.g. converting Yakfolk warrior. Look at the CR (in this case, CR 3, compare it to CR3 monsters in ShadowDark, and start building. It has a talent bank describing all kinds of monster capabilities and a big list of monster spells.  It includes a bunch of horrors as well, including blink dogs, ettins, pseudodragons, unique horrors like the  “Eyeball Wall”, and a number of NPCs (pyromancer, cultist, etc.). ShadowDark adjacent Resources Runecairn Bestiary Cost: $13.49 100 Norse-inspired monsters for Runecairn, an Old School Renaissance RPG. The OSR stat blocks are close enough to ShadowDark to make conversion pretty easy. Includes sabertooth cats, grave newts, ogres, and giant octopi. The Monster Overhaul Cost: $30.00 (PDF) $60 (PDF+Print) Come for the 200+ monsters, stay for the ecology and random table pieces. Uniformly praised online. It's got entries for NPCs (adventurers, barbarians) each with d100 names and character traits. For monsters, it delves beyond the stat block. Goblins get the same d100 names and traits PLUS physical descriptions, motivations, mounts, elite weapons, and loot.  Plus there are random tables like “50 mercenary jobs” and generic maps of locations like a wizard tower and a village. ShadowDark Monster Tools ShadowDark Tools: Monster Reference Filter monsters from the ShadowDark core rules + the first three Cursed Scrolls. Criteria include monster level, environment, type (e.g. angel, aberration), movement type (burrow, climb, fly), attack (blood drain, petrify, venom),

Good and bad unintended consequences.By FinalStand. Listen to the Podcast at Explicit Novels.The highest cost of losing a war is the rage of your children."Maybe the Canadian is not so much an 'ex' girlfriend?" Orsi leered. It was the old 'if he is so good that she still wants him back after a colossal screw up, I wanted a taste' expression."Do you think she will help you?" Katalin inquired."She'll help," Pamela huffed playfully. "My grandson has plenty of ex-girlfriends. Most of them want him back, despite his colorful lifestyle. It is one of his more amusing qualities.""Let's get something to eat," I tried to turn the conversation away from my past sexcapades."You are engaged?" Jolan didn't miss a beat."It is complicated," I sighed. "Let's just say I really like her, but she's seven years older, divorced with one young daughter and has a father who hates that I live and breathe.""Do you have any male friends?" Monika joined the Cáel Quiz Bowl."Yes," I replied with confidence. "My roommate Timothy and I are great friends.""He's gay," Pamela pierced their disbelief. "He and Cáel are true brothers-in-arms, I'll give Cáel that much.""Do you have any straight male friends?" Orsi was enjoying taunting me."Do Chaz or Vincent count?" I looked to Pamela."They are straight males, but they don't really know you yet," Pamela failed to be of much help. "I think Vincent insinuated he'd shoot you if you dated any of his three daughters. It was friendly of him to warn you. I supposed that could be construed as liking you.""Are all your acquaintances violent?" Anya seemed worried."Vincent isn't violent. He's with the US FBI," I retorted. Pause. "Okay, he carries a gun and shoots it, he's a law officer. They can do that.""You seem to be stressed," Orsi put an arm around my waist. "Let us ease your worries." Hallelujah!Note: One of History's LessonsIn the last 75 years of military history, airpower had been a decisive factor in every major conflict, save one. Most Americans would think the one exception was US involvement in Vietnam and they'd be wrong: right country, wrong time. Indochina's War of Independence against France was the exception. There, the French Air Force was simply inadequate to the task.Yes, the United States and its allies eventually lost the struggle in Vietnam. But it was their airpower that kept the conflict running as long as it did. For the most part, the Allied and Communist military hardware on the ground were equivalent. While the Allies had superior quantities of supplies, the Communists countered that with numbers, and therein lies the rub.Airpower allowed the Allies to smash large North Vietnamese formations south of the Demilitarized Zone and thus prevented the numerical advantage from coming into play. The North Vietnamese and Viet Cong made one serious stab at a conventional militarily challenge to the Allies, the Tet Offensive, and after initial successes, they were crushed.With the NVA unable to flex their superior numbers, the Allies were able to innovate helicopter-borne counter-insurgency operations. The North Vietnam's Army (NVA) was forced to operate in smaller units, so the Allies were able to engage them in troop numbers that helicopters could support. The air forces didn't deliver ultimate victory, but air power alone had never been able to do so on land. It was only when the US lost faith in achieving any positive outcome in Viet Nam and pulled out, that the North was finally able to overrun the South 20 months later. But every major power today understands the lesson.End of Note(Big Trouble in Little China)The military importance of airpower was now haunting the leadership of the People's Republic of China (PRC), the People's Liberation Army (PLA) and People's Liberation Army Air Force (PLAAF). Their problem wasn't aircraft. Most of their air fleet consisted of the most advanced models produced during the last two decades. The problem was that 80% of their pilots were dead, or dying. Their ground crews were in the same peril. Even shanghaiing commercial pilots couldn't meet the projected pilot shortfall.Classic PLA defense doctrine was to soak up an enemy (Russian) attack and bog down the aggressor with semi-guerilla warfare (classic small unit tactics backed up with larger, light infantry formations). Then, when the invaders were over-extended and exhausted, the armored / mechanized / motorized forces would counter-attack and destroy their foes. This last bit required air superiority through attrition.The twin enemies of this strategy were the price of technology and the Chinese economic priorities. With the rising cost of the high-tech equipment and a central government focus on developing the overall economy, the Chinese went for an ever smaller counter attack striking force, thus skewing the burden of depth of support far in favor of their relatively static militia/police units.So now, while the PLA / PLAAF's main divisions, brigades and Air Wings were some of the best equipped on the planet, the economic necessities had also meant the militia was financially neglected, remaining little more than early Cold War Era non-mechanized infantry formations. To compensate, the Chinese had placed greater and greater emphasis on the deployment capabilities of their scarcer, technologically advanced formations.When the Anthrax outbreak started, the strike force personnel were the first personnel 'vaccinated'. Now those men and women were coughing out the last days and hours of their lives. Unfortunately, you couldn't simply put a few commercial truck drivers in a T-99 Main Battle Tank and expect them to be anything more than a rolling coffin. The same went for a commercial airline pilot and a Chengdu J-10 multi-role fighter. The best you could hope for was for him/her to make successful takeoffs and landings.A further critical factor was that the Khanate's first strike had also targeted key defense industries. The damage hadn't been irreparable. Most military production would be only a month to six weeks behind schedule. But there would be a gap.It was just becoming clear that roughly 80% of their highly-trained, frontline combatants were going to die anyway. Their Reserves were looking at 30~40% attrition due to the illness as well. In the short term (three months), they would be fighting with whatever they started with. Within the very short term (one week), they were going to have a bunch of high-priced equipment and no one trained to use it. With chilling practicality, the Chinese leaders decided to throw their dying troopers into one immediate, massive counter-offensive against the Khanate.Just as Temujin predicted they would. Things were playing out according to plan.Note: World Events SummaryRound #1 had seen the Khanate unite several countries under one, their, banner. Earth  and  Sky soldiers had rolled across the Chinese border as their Air Force and Missile Regiments had used precision strikes to hammer Chinese bases, sever their transportation network and crippled their civilian infrastructure.Next, the frontier offensive units had been obliterated, the cities bypassed and the Khanate Tumens had sped forward to the geographic junctures between what the Khanate wanted and from whence the PLA had to come. In the last phase of Round #1, the Khanate prepped for the inevitable PLA / PLAAF counter-strike.Round #2 had now begun:Step One: Declare to the World that the Khanate was a nuclear power. As history would later reveal, this was a lie, but no one had any way of initially knowing that. Hell, the Khanate hadn't even existed 72 hours ago. Satellite imagery did show the Khanate had medium-range strategic missiles capable of hitting any location in the People's Republic. In Beijing, a nuclear response was taken off the table.Step Two: Initiate the largest air-battle in the history of Asia. Not just planes either. Both sides flew fleets of UCAV's at one another. It wasn't really even a battle between China and just the Khanate. Virtually all of the UAV technology the Khanate was using was Japanese, South Korean and Taiwanese in origin, plus some US-Russian-shared technology thrown into the mix.When the South Korean design team saw the footage of their bleeding-edge dogfighting UCAVs shooting down their PRC opponents, they were thrilled (their design rocked!), shocked (what was their 'baby' doing dominating Chinese airspace?) and anxious (members of South Korea's Defense Acquisition Program Administration, DAPA, were rushing over to chat with them).Similar things were happening in Japan, Taiwan, Russia and the United States. The Communist Party leadership in Beijing were beginning to seriously consider the possibility that everyone was out to get them. Of course, all the Ambassadors in Beijing were bobbing their heads with the utmost respect while swearing on the lives of their first born sons that their nations had nothing to do with any of this.These foreign diplomats promised to look into these egregious breaches of their scientific integrity and were saying how sorry they were that the PLA and PLAAF were getting ass-raped for the World's viewing pleasure. No, they couldn't stop the Khanate posting such things to the internet, something to do with freedom. Paranoia had been creeping into the Potentates' thoughts since the Pakistan/Aksai Chan incident.As they watched their very expensive jets and UCAV's being obliterated, distrust of the global community became the 800 pound gorilla in the room. To add habaneros to the open wounds, the United States and the United Kingdom began dropping hints that they had some sort of highly personal communication conduit with the Khanate's secretive and unresponsive leadership. Yes Virginia Wolfe, the Western World was out to get the People's Republic.'Great Mao's Ghost', all that claptrap their grandfathers had babbled on about (1) the Korea War, (2) the Sino-Soviet grudge match, (3) the Sino-Vietnamese conflict and (4) the persistent support for the renegade province of Formosa all being a continuous effort by the liberal democracies and post-colonial imperialist to contain Chinese communism, didn't sound so crazy anymore.Step Three: Plaster all those PLA ground units that had started moving toward them when the air war began and the Chinese envisioned they would control the skies. The T-99 was a great tank. It also blew up rather spectacularly when it was stuck on a rail car (you don't drive your tanks halfway across China, it kills the treads).As Craig Kilborn put into his late night repertoire:"What do you call a Khanate UCAV driver who isn't an ace yet? Late for work.""What's the difference between me coming off a weekend long Las Vegas bender and a Khanate pilot? Not a damn thing. We've both been up for three days straight, yet everyone expects us to work tonight."Some PLA generals decided to make an all-out charge at the Tumens. Genghis's boys and girls were having none of that. They weren't using their Russian-built Khanate tanks to kill Chinese-built PLA tanks. No, their tanks were sneaking around and picking off the Chinese anti-air vehicles.The Chinese tanks and APCs engaged the dismounted Khanate infantry who, as Aksai Chin had shown, possessed some of the latest anti-tank weaponry. In the few cases where the PLA threw caution to the wind, they did some damage to the Khanate by sheer weight of numbers. For the rest, it was death by airpower.With their anti-air shield gone, the battle became little more than a grisly, real-life FPS game. It wasn't 'THE END'. China still had over 2,000,000 troops to call upon versus the roughly 200,000 the Khanate could currently muster. The PLA's new dilemma was how to transport these mostly truck-bound troops anywhere near the front lines without seeing them also exterminated from the air.After the Tumens gobbled up the majority of the PLA's available mobile forces, they resumed their advance toward the provincial boundaries of Xinjiang and Nin Mongol. There was little left to slow them down. The Chinese still held most of the urban centers in Xinjiang and Nei Mongol, yet they were isolated. And Khanate follow-up forces (the national armies they'd 'inherited') were putting the disease-riddled major municipalities under siege.All over the 24/7 World Wide News cycle, talking heads and military gurus were of two minds about the Khanate's offensive. Most harped on the fact that while the Khanate was making great territorial gains, it was barely making a dent in the Chinese population and economy. Uniformly, those people insisted that before the end of November, the Khanate would be crushed and a reordering of Asia was going to be the next great Mandate for the United Nations.A few of the braver unconventional pundits pointed out the same thing, but with the opposite conclusion, arguing:1.There were virtually no military forces in the conquered areas to contend with the Khanate's hold on the regions.2.Their popularity in the rural towns and countryside seriously undercut any hope for a pro-PRC insurgency.3.Driving the Khanate's forces back to their starting points would be a long and difficult endeavor that the World Economy might not be able to endure.When the PLAAF was effectively castrated after thirty-six hours of continuous aerial combat, a lot of experts were left with egg on their faces. One lone commentator asked the most fearful question of all. Where was the Khanate getting the financing, technical know-how and expertise to pull all of this off? There was a reason to be afraid of that answer.And while I was entertaining my six sailor-saviors, there were two other things of a diplomatic nature only just revealing themselves. Publically, Vladimir Putin had graciously offered to mediate the crisis while 'stealthily' increasing the readiness of his Eastern Military District. If there was any confusion, that meant activating a shitload of troops on the Manchurian border, not along the frontiers of the former nations of Mongolia and Kazakhstan.After all, Mongolia was terribly poor. Manchuria/Northeastern China? Manchuria was rich, rich, rich! From the Kremlin, Putin spoke of 'projecting a presence' into the 'lost territory' of Manchuria, citing Russia's long involvement in the region. By his interpretation of history, the Russians (aka the Soviet Union) had rescued Manchukuo (the theoretically INDEPENDENT Imperial Japanese puppet state of Manchuria) from the Japanese in 1945. They'd even given it back to the PRC for safekeeping after World War II was concluded.Putin promised Russia was ready and willing to help out the PRC once again, suggesting that maybe a preemptive intervention would forestall the inevitable Khanate attack, thus saving the wealthy, industrialized province from the ravages of war. Surely Putin's Russians could be relied on to withdraw once the Khanate struggle was resolved? Surprisingly, despite being recent beneficiaries of President Putin's promises, the Ukraine remained remiss in their accolades regarding his rectitude.In the other bit of breaking news; an intermediary convinced the Khanate to extend an invitation to the Red Cross, Red Crescent and the WHO to investigate the recently conquered regions in preparations for a humanitarian mission.That intermediary was Hana Sulkanen; for reasons no one could fathom, she alone had the clout to get the otherwise unresponsive new regime to open up and she was using that influence to bring about a desperately needed relief effort to aid the civilians caught up in that dynastic struggle. A Princess indeed. No one was surprised that the PRC protested, claiming that since the territory wasn't conquered, any intervention was a gross violation of Chinese sovereignty.End of Note(To Live and Die in Hun-Gray)Orsi may have been the troupe leader, but Anya needed me more, so she came first."I need a shower before we catch some dinner," I announced as we meandered the streets of Mindszent. My lady friends were all processing that as I wound an arm around Anya's waist and pulled her close. "Shower?" I smiled down at her, she was about 5 foot 7. It took her a few seconds to click on my invitation."Yeah, sure, that would be nice," she reciprocated my casual waist hold. Several of her friends giggled over her delay. We were heading back to the Seven Fishermen's Guest House."Do you do this, picking up strange girls you've barely met for, you know?" she said in Bulgarian, as she looked at me expectantly."Yes and no," I began, in Russian. "I often find myself encountering very intriguing women, for which I know I am a fortunate man. I embrace sensuality. That means I know what I'm doing, but I'm not the 'bring him home to meet the parents' kind of guy.""What of your fiancée? Do you feel bad about cheating on her?" Anya pursued me."Hana is wonderful. I've met her father and it went badly both times," I confessed."How?" Anya looked concerned for me."Would you two speak a language the rest of us can understand?" Monika teased us."Very well," I nodded to Monika, and turned back to Anya, "The first time, his son raped a girl and I threatened the young man's life," I revealed. "Jormo, Hana's father, wasn't happy when I did so. The second time, he hit me twice, once in the gut and once in the head," I continued."Why did he hit you?" Orsi butted in."I'd rather not say. You may think less of me," I confessed. Pamela gave me a wink for playing my audience so well. I'm glad she's family (kinda/sorta)."The boy, he is dead?" Magdalena guessed. "Hana's brother?""I really shouldn't talk about that," I evaded. "It is a family matter." That's right. The family that my grandmother had brought me into as her intern / slayer-in-training. There is no reason to create a new lie when you can embellish a previous one."Do you ever feel bad about what you do?" Katalin asked Pamela. We love movies."As I see it, if I show up looking for you, you've done something to deserve it," Pamela gave her sage philosophy behind being an assassin."Are you, bi-sexual?" Jolan murmured. Pamela smacked me in the chest as I laughed. "Did I say something wrong?" Jolan worried. Pamela was a killer."No, you are fine," Pamela patted Jolan's shoulder. "I'm straight and happily so. It just so happens that most of my co-workers are women. Day in, day out, nothing but sweaty female bodies working out, sparring and grappling together, and afterwards, the massages."That was my Grandma, poking all the lesbian buttons of the women around me. Best of all, she did it with the detached air of a sexually indifferent matron. She was stirring up the lassies while keeping them focused on me. We walked into the courtyard of our guest house."Don't take too long, you two," Orsi teased us."Ha!" Pamela chuckled. "That's like asking the Sun to hurry up and rise, the Moon to set too soon, or the sea to stay at low tide forever.""Anya," I whispered into her ear. "How many orgasms do you want?" Anya's eyes expanded. Her eyes flickered toward her friends, then back to me. She held up one finger, I grinned speculatively. Anya held up two fingers. I kissed her fingers.

We're really excited to share this episode with you. It was with someone we've wanted to talk to for a very long time — Deseret Book president Laurel Christensen Day. We knew from afar that she was a trailblazing leader and a thoughtful publisher — and we were not surprised to find that as we got to know her a little bit that she's a woman of deep faith as well. Uniformly, everyone we have ever spoken with who has had a chance to work with Laurel absolutely loves her.We've always been fascinated by Deseret Book — by the unique place it holds in Latter-day Saint culture and the responsibility it has in creating and distributing content that informs, inspires, and even shapes belief. Walking into a Deseret Book and seeing the art and the books and the scripture sets always seems to make us nostalgic for our own upbringings and tradition, even while we're living it! And Deseret Book is, of course, much more than just a retailer  — they're a major content producer with business lines in books, music, art, and events. And of course, it does all of this as a part of the larger organization of the Church.We thought Laurel's insights were incredibly perceptive and thoughtful. She shared with us thoughts on what to do when you make a mistake, even as a leader, or perhaps especially as a leader—with openness rather than defensiveness, and with introspection and searching for the truth in criticism. She also shared a little bit about her story, including her journey as a woman navigating her business career—along with some other insights for women and how advocating for yourself could look. And finally, Laurel was kind enough to share some advice for us at Faith Matters.

References Guerra, DJ. 2024. Uncollected writings. The Journal of Nutritional Biochemistry 2023. Volume 112, February. 109217 Walker, Cindy.1950 Blue Canadian Rockies. Cover "the Byrds"(1969). https://youtu.be/nzOHtU8Sb3c?si=5GAj7VPzIr7o0OO_t Heinichen J. D. 1711 (?)Concerto in A minor for violin https://youtu.be/V-E25Q-wjwc?si=bbWdZTNEUPGitY-S --- Send in a voice message: https://podcasters.spotify.com/pod/show/dr-daniel-j-guerra/message Support this podcast: https://podcasters.spotify.com/pod/show/dr-daniel-j-guerra/support

2002 - 2009With the Taliban ousted and Al Qaeda on the run, the United States begins to shift its attention and resources to Saddam Hussein and Iraq.  The United States and its allies topple the Hussein regime fairly quickly, and soon learn how difficult it is to assume responsibility for running the very fractured country.  Meanwhile, a new U.S. president orders the CIA to come up with a plan to find Osama bin Laden, who has not been sighted in years.  The renewed hunt leads to tragedy during one of the darkest days in the history of the agency.  

On this week's Thoughtful Thursday, we discuss how it's much harder to trat your employees fairly than it is to treat them uniformly.Text us your leadership questions! +1 (213) 444-5381Patreon Account: https://www.patreon.com/user?u=22174142

Was habe ich gespielt?Citadels Mit den Kindern(Zauber-)SchachStrikeYinshTrio (Nana)Sea Salt & PaperJust OneCodenames Print and Play Bastelecke Twitter – @vintersphrostMastodon – @vintersphrost@brettspiel.spaceYucata.de – vintersphrostBoardgamearena.com – vintersphrostInstagram – https://www.instagram.com/vintersphrost/

WE'RE ONE STEP AWAY FROM BEING THE MAROON AND BLACK! CLAUDE AND KEVIN DISCUSS HORRIFIC FOOTBALL, EVEN THOUGH SOME IN THE MEDIA WANT TO DISCUSS FASHION. THEY EVEN GET GAME PERSPECTIVE FROM A SURPRISE COWBOYS FAN. HALLOWEEN ARRIVES EARLY!

BIG NEWS! Steph's expecting a baby boy!

Goodday Class- Trust you are doing great?. Thank you for listening to today's PODCAST EPISODE.

As we learn on this episode of Busine$$ of the V, the speculum represented a major advance for women's health … back in the 1800s! So it's not surprising that Dr. Dweck and Rachel's guest often gets the following reaction when she introduces her new take on an old device: “Why didn't someone think of this sooner?” or “It's about time!” Fahti Khosrowshahi, CEO & Founder of Ceek Women's Health, shares the genesis of her innovative new speculum – from research and development to the patent process and field testing for both providers and patients. The feedback? Uniformly positive! Goodbye to “the metal cowboy,” as some of Alyssa's patients call the metal speculum that has been synonymous with pelvic exams for generations and generations. The Nella NuSpec Vaginal Speculum has arrived!   As narrow as a tampon and made of a gentle, quiet polymer material, this new device improves visibility for practitioners and reduces the repetitive strain injuries many sustain after years of wrestling speculums that are either loud, hard to grip, lacking in visibility or all of the above. Just as importantly, the NuSpec offers women of all ages a completely modern, smooth, temperature-neutral pelvic exam experience. Long-term Fahti believes the NuSpec's comfortable design will be transformational for women who are resistant to the cold, metal speculum that – until now – was their only option. Thanks to NuSpec, women will be less likely to dread pelvic exams or avoid important annual and follow-up appointments. On the user side, providers will find the new device, with its comfortable grip and unique lateral sidewall feature, a game-changing substitute for the archaic instrument that was until now the industry standard. It's no surprise that Time Magazine named the Nella NuSpec one of 2020's best inventions. Enjoy this conversation about how Fahti founded Ceek Women's Health and took the NuSpec from start-up concept to the innovatively designed, patented device long overdue and most welcome in OB-GYN exam rooms of the 21st Century.   To hear previous episodes of the Busine$$ of the V podcast, visit: https://businessofthev.com

Uniformly training physicians to provide safe, high-quality care requires reliable assessment tools to ensure learner competency. The consensus-derived National Clinical Assessment Tool in Emergency Medicine (NCAT-EM) has been adopted by clerkships across the country. Analysis of large-scale deidentified data from a consortium of users is reported.

BARENAKED MONEY PODCAST: EPISODE 7You Could Win, Either WaySpeaker 1:You're about to get lucky with the Bare Naked Money Podcast. The show that gives you the naked truth about personal finance with your hosts, Josh Sheluk and Colin White, portfolio managers with WLWP Wealth Planners, iA Private Wealth.Colin White:Welcome to Bare Naked Money, the Next Edition. Today, we're going to get into something that's pretty topical. Something that as a part of a regular conversation we have with our clients and something that's also very topical in the media right now. Well, who am I kidding? This is always topical. Real estate. There's so many different ways to look at it. Trends are so important and it seems to be super red hot right now. So let's get into it and see if we can help you understand things a little bit better. So Josh, why don't I throw it to you and you can make maybe a few observations that are pretty high level with regards to some of the data that we're seeing.Josh Sheluk:Thanks Colin. So thanks for the intro there. As I think everybody right across Canada knows right now, and actually in a lot of parts of the world, real estate is just booming. And I think this is the first time anyway, for me in the last several years where I can really look right across the country to every one of our clients, everybody that lives in Canada and say, "What's going on in your market?" And everybody's like, "Well, real estate is way up. Real estate boom. Real estate' crazy. Either I can't find a place to buy. I'm looking desperately. I can't find one to buy at a reasonable price," or, "Oh, I'm looking to sell my place and I'm breaking the bank," because it's looking great for some of the sellers that are out there. And this is kind of continuing a trend that we've been seeing over the last couple of decades, where Canada as a whole, when you look at the average is just booming from a real estate perspective.Josh Sheluk:And I saw some charts recently that compared it to other countries, other major industrialized countries and Canada is far and above a lot of those other countries, whether it's UK, US, other countries in Europe, et cetera, et cetera. So we've seen this trend. We've seen this trend for awhile, but now it seems to be coming to a head and going faster than it's ever been in terms of some of those rapid price rises. And I think the first time since COVID, what we were seeing for the first time is that some of these non-urban areas, known as the sprawl is sort of leading the charge, whether it's just outside of these urban areas or more rural areas. So spilling from the suburbs to the rural area. So I think there's a lot of reasons for this and we can dive into some of these, but why don't you take us through a few of your observations for what you're seeing out there in terms of what's actually driving this trend?Colin White:Well, as a member of this team who doesn't live in Toronto, I can attest that areas outside of Toronto we're seeing the same thing. Nova Scotia is just off the charts. Halifax proper is ridiculous to getting 9, 10, 12, 15 competing offers on one property. It's selling 50% over market in some cases. It's a little scary, coming from the Maritimes to see that kind of thing happen because it is really unprecedented in my lifetime that we've had that kind of interest from literally all over the world. People trying to get to Nova Scotia. And we've got clients who had plans about maybe liquidating property at a certain time or buying properties at a certain time and this is the kind of event that pushes plans.Colin White:Now, we've got some people, myself included is considering selling a property in the not too distant future going, "Oh, should I hurry my plans? Does that make any sense right now?" And that's a legit question. We've also got people who were expecting to be buying properties right now and they're now going, "Should I wait because things are awful." I'm going to be making some pretty big compromises potentially here on the value that I'm going to get on picking up the property.Colin White:So, again, this is one of those events that can push your planning around a little bit and rightfully so. This is not something to be ignored. This is of a magnitude that matters. If you're going to have to pay 20, 30% more for a property right now, that changes your thinking. That changes your timeline. Now, if you're going to own it for 20 or 30 years, maybe it doesn't matter as much. But if you think it's going to be something you want to liquidate in the next few years, maybe you got to think a little bit harder. Maybe those three, five-year time horizons are a little scarier than they once were. So yeah, there's a lot of angst out there now, but I tell you, it's getting overridden by just pure mania in many respects. So yeah. So I think this is a truly across Canada problem, no matter what side of the desk you're sitting on. So why don't we get into some of the reasons behind it, Josh?Josh Sheluk:Yeah, yeah, sure. So, well, elephant in the room, right? I think everybody knows one of the main reasons is COVID things going on. We have a global pandemic and what we saw early on was the market froze because people didn't know what the hell to do [inaudible 00:05:08] and people couldn't go see places. So, there was an immediate kind of, "Okay, let's pause for a sec. Let's see what's going on here." But you've seen things spill over now and they're going great guns. So with COVID I think one of the trends that I was talking about is really been driven by COVID and that's, COVID is pushing people out of the urban areas. So you're seeing this spillover, this sprawl from core cities, maybe condo living to some of the more suburban, house, low rise stuff, or some of these more rural areas as well, because what we've seen over the last year, a lot of our jobs can be done remotely.Josh Sheluk:You and I are not in the same place right now doing this podcast. So we've all discovered, I think, that we're a little bit more able to work outside of our office. And a lot of businesses have decided that, "Hey, my staff can work pretty effectively from home. Maybe I don't want to, or need to pay $50 a square foot for an office building in downtown Toronto." So that is part of it for sure.Colin White:Yeah. And the other thing is, is that if there's more than one member of the family has got to work from home, your home is not as big as you thought it was. And maybe you're not as close to your family as you thought you were, so you put two or three members of a family working from home, that house can get a lot smaller than it used to be, in a hurry. So there's a lot of pressure on, "Hey, we need more space." And I think you went through a little bit of that, Josh.Josh Sheluk:Oh yeah. I'm sitting here in a two bedroom condo and we converted our second bedroom to an office. Would have been pretty hard to convert our first bedroom to an office too. So fortunately I've been able to go to the office most days, but I think your point is valid that people are rethinking what they need from a place. I was just looking at an Instagram post the other day and talking about how people more at the top top level of the income spectrum are looking for something where they have more leisure space or leisure activities that are doable from their home, their property as it's outside of the realm of what most of the people listening to this podcast are looking for, but full size tennis courts, for example, pools.Josh Sheluk:Pools is maybe something that's a little bit more relatable to people because I know the pool guys are busy as they've ever been putting in pools. You've seen the rental, the rental thing as well. People putting in back decks or renovating this or that, or the other thing. So all of these things are coming into this real push for real estate and helping to drive up the demand, which in turn drives up prices.Colin White:And when people start looking around and they go, "Well, what would it take for me to go to a bigger place?" If I wanted to take on a bigger mortgage, what kind of house could I get? The other part of that equation, Josh is interest rates.Josh Sheluk:Yeah. And that's a huge part of the equation and maybe the most important or primary part of the equation and primary reason we've seen real estate go up the way that it has. Interest rates with the whole COVID situation have gone down. And that's pretty normal when you see a recession or some type of dip in markets, in the economy and interest rates go down, but they already went down from such a low level and went to sort of a rock bottom level that, that has made housing in some ways more affordable because if you're borrowing a large chunk of the purchase price, if interest rates go down... And I've seen interest rates or heard about interest rates as low as one and a half percent for a five-year fixed rate mortgage. So that is really going to make things a lot more affordable for people and low interest rates means you can take on a larger mortgage and larger mortgage, more purchasing power. That means, hey, you can either bid up that property that you really want, or maybe look to another property, a step higher. So that's a huge part of it.Colin White:Yeah. And it's happening at a time when the boomers maybe that were considering going into more of a concentrated living setting, whether that was assisted living or give up the big house to go to an apartment to reduce the obligations of maintaining a property. Those people are putting off the decision, again, for the reasons we talked about earlier that the COVID's the thing. So I don't want to necessarily be getting on an elevator. I got this big property. I'll hang onto it for a little while longer until this thing settles down. So, those people maybe have slowed down a little bit and other people are looking to get into those properties. So it's really created a confluence of events. That's what's put an immense amount of pressure on real estate in the short-term.Josh Sheluk:Yeah. You bring up [inaudible 00:09:55] I brought up interest rates and it's interesting how these two things kind of relate to each other as well, because we have seen interest rates go down for the better part of 4 years now. And I don't think that can be ignored when we talk about and think about some of the experiences that people have had with real estate over that period of time. And the boomers are... my parents, for example, they have experience with the interest rates in the eighties where people talk about double digit mortgage rates. And now today talking about, like I said, potentially under 2%. Well, that's going to make a huge difference in affordability of a property. And that's part of the reason why we've seen sort of an uninterrupted increase in prices over that period of time. I think that has to factor into what we're looking at here.Josh Sheluk:And when we're looking at our experience with real estate, has to give some context to what we're thinking about. And so this is one thing that I don't know if this is a misconception and misconception's the right word, but you will definitely have some sort of longer-term experience with owning a place and being in the real estate market. I hear my parents, my grandparents say, "Well, real estate always goes up over time." And I look at this and being a data person, I think, "Well, maybe there's a bit of a misconception there. So what's your experience [inaudible 00:11:16]?Colin White:Well, my experience is terrible because again, I was alive during that same time current as your parents, and we should stop making reference to that. But we are looking at a period of time when real estate' done very well. And so two things come into play. Number one, legitimately it has. Number two, people will only share their highlight reel. So when people are telling a real estate story, they're always the biggest real estate stories. So you got something that's generally true and it's augmented by the fact that people are sharing these anecdotal stories, which are even betterer. So now you've got basically a true concept that's getting blown a little bit out of proportion and people are shutting down the analytical part of their brain a little bit saying real estate, good real estate, good real estate, good... and they run into the market.Colin White:Now, again, if you're going to live in a place for 20 or 30 years, maybe it doesn't matter a hill of beans. Maybe a little, just even itself out and all will be fine because again, you're not looking at liquidating it in the foreseeable future. It turns out that you did make the right decision. This is the place you're going to raise a family. And again, if that's how it plays out, maybe this doesn't matter a hill of beans. But it's perhaps more risky now than has been certainly in my lifetime because the smallest change in interest rates or any kind of personal interruption... again, there's two levels here. There's the macro level where interest rates may change. That's a macro thing. And if that happens, yeah, your mortgage payment could go up and the value of your property could go down and you can end up with a mortgage that's bigger than the value of your property. That can happen and that's kind of out of your hands.Colin White:The other side of it is your personal circumstances can change. So you invest in real estate, which is not the most liquid investment in the world at all times. Right now, it tremendously is, but it's difficult, can be difficult to get out of. It's costly to get out of. And it's not always convenient to make a change in real estate. So I think the risk profile for somebody who's trying to get into a home right now is a little bit... Sorry, I can't say a little bit traumatically. It's a lot traumatically different than what it turned out to have been 20 or 30 years ago. Now, if you go back 20 years ago, there was risks at that time as well and they had to be, again, the decision making of that would have been different, but it's turned out really, really well.Colin White:To look today and say that in today's market with all of this froth that there's not going to be any kind of short-term peril here, I think is overly optimistic. And I think it's something that people really have to filter that information from your well-intentioned father, who loves you more than all outdoors and would never steer you wrong, who's telling you, "You absolutely have to have a house or you're worthless." "Dad, thanks for all the encouragement and everything, but maybe I'm not going to go your way this time." And that's okay.Josh Sheluk:Yeah. Yeah. So what I'm referring to is sort of the misconceptions. I don't want to call the [inaudible 00:14:10] because like you said, there's a lot of screws to real estate value, appreciating value over time, but have you read Irrational Exuberance by Robert Shiller.Colin White:A long time ago, but yes.Josh Sheluk:Yeah. So, that book's been out there for a while now, but he has maybe one of the best real estate databases, longterm real estate, like we're talking hundreds of years of any data set that I've seen. And there are a number of periods of time, decades long where real estate in major cities, even across North America has gone down for decades at a time. So to say that real estate always goes up. Yeah. I mean over very long periods of time. Maybe over a hundred years, real estate will go up. But the point that you obviously often make is that most people's timeframe isn't a hundred years long. So you can't necessarily rely on that. Right?Colin White:Yeah. In the longterm, we're all dead, and I've had situations in my career where people have been trapped in real estate, either by owing more than it was worth or being just completely having no buyer for it. And we don't really have enough time to thoroughly go through it. But this is where we can probably introduce the idea of investing in real estate because there's many people who have their own property and are looking at investing in a property because they think that's the way to build wealth. And it has been. It has been a way to build wealth in the past. A couple of cautions to everything we said earlier still holds. If you've got a really long time horizon, that changes the risk profile. [inaudible 00:15:40] in the short term, there are a lot of risks because when you get into the rental market, you're not concerned about rental rates.Colin White:Is there going to be a lot of rental vacancies? Is there going to be a building boom that kicks in after this that creates so much supply that in three or four years from now, all of a sudden we have an oversupply and there's pressure on rents or there's vacancies. There's all kinds of things like that to factor in. But what I advise people who are considering investing in real estate on a couple of things. Number one, make sure it's a reasonable percentage of your net worth. You don't want to wake up one day and have 90% of your investible assets tied up in real estate. I can't defend that. I can't suggest that. I don't think it's a good idea.Colin White:Number two, evaluate it as an investment. So if I'm going to bring an investment to a client and say, "Here, this is a good idea. It does really, really well". Long-terms get no short-term liquidity and it's got some significant risks where it can go negative for extended periods of time. I'm going to expect that with normal assumptions that pays me really well. I want to see a really nice return up. I want to be compensated for the lack of liquidity because in the investment world, if you give up liquidity, you gain something. Don't get involved in real estate in ways that the terms work out, but you're only seeing a nominal rate of return. Like if you're only going to see a 6 or 7% rate of return on something that has a risk profile, that doesn't match up, keep looking. There should be a reasonable trade off between risk and return. And you need to look at your real estate investing that way. Again, your dad's whole intention, he does love you, but he may not have the macro economic sense necessary to adequately advise you in this regard.Josh Sheluk:Yeah. There's so many things that go into trying to be an owner of real estate and a rector of real estate. Right. And it's more than just, what is my mortgage? What is my rent every month? And does that give me a positive rate of return or not? Because you got to factor in things like maintenance on that property, repairs, a vacancy. I think is a big one that people don't factor in, right? It may be at times easy to rent out a place, but I can speak from just the Toronto condo perspective, from what I heard, anecdotally, it's a lot more difficult to rent on a Toronto condo 12 months ago than it had been in the past. And that's because people didn't want to be here. They didn't need to be here. If I can't walk the five minutes to work because my office building is shut down, what's the point of living in downtown Toronto for whatever it is per square foot in terms of rent?Josh Sheluk:So there's a lot of that that you have to factor in and I think another thing that people often forget when they're doing this calculation is the amount of time that you're actually going to commit to that building. So that property, right. You're going to need to either hire somebody to do a lot of work on sort of the management of that property, the marketing and that, or you're going to have to spend your own time on it. So there's a value for your own time. You got to factor that in somehow. Not easy to do though.Colin White:Well, no. And that goes right back to again, we're kind of crossing the streams here. We're going back to the individual decision about, do I rent or do I buy? You buy a house, you're building equity in something like your father or your mother will tell you, right? But when you buy a home, well there's property tax and that money just goes out the window. You don't have anything to show for that. There's normally an increase in utility costs over renting or owning a smaller properties. So that's got to be factored in. The maintenance of the property has got to be factored in. There can be interest costs, some mortgages. If you add up all of the money that you throw into the wind for owning a property and take a look at that number, in most cases, you're not too far off of what it would cost to rent a property that you would be happy living in.Colin White:So for those who posit the idea that only stupid people rent, that's not true. In fact, I can categorically tell you right now, some of the people I consider the smartest around me and including me, I consider me smart, are saying maybe now's the time to rent for a little bit and let all this foolishness slow down. Now it's not a slam dunk. It's not a for sure thing, but it's certainly not a stupid thing. So if anybody in your life is telling you you're stupid for doing either thing here, ignore them because they don't understand it. You could win either way here, but that's important. You could win either way here. Don't think there's only one way to do this.Josh Sheluk:Yeah. That's funny you mentioned that because I floated the idea of potentially selling our place and renting a place to [Heather 00:20:20]. And I got I think laughed out of the room on that one. Personal preference factors into this too, I guess is the point. What I was looking at and the reason I floated this idea is the disparity between purchasing a place... It's the cost of purchasing a place and the cost to rent a place today is pretty large from what I've been seeing out there in the data. And that's one way where you can evaluate what's the market like today is you compare sort of a ratio of the purchase price to the rental price. And every neighborhood is going to be a little bit different and every neighborhood is going to have its own history. So it's not like we can sit here and give you what the right ratio is.Josh Sheluk:There's so many factors that are involved, but you can sort of take a step back and look at a place and say, "Well, okay, what would it cost me to get in there if I were to own it versus rent and what are some of the other great things that I could do with my money if I had a lower cost to rent than I did at all?" And there are plenty of other good investment opportunities out there that may hit the mark for you and make you better off over the longterm. But just to counteract my own point, I had one colleague going back seven or eight years ago now. He was positive that the market was overvalued. And so him and his family were renting a place in Toronto. And as far as I know, I haven't seen him in a year or two, but he's still renting a place in Toronto.Josh Sheluk:So it's really tough to time this type of thing. I don't think you or I are making the argument today that real estate has to go down over the next year or two. That's not it at all. We're just not so sure that we'd be pounding the table to say, "It's going to go up from here."Colin White:Well, that's just it, I mean the best answers are often nuanced answers and that's why we're at here. But we've also become very bare naked in this moment because neither one of us is able to convince our spouse or significant other to take advantage of something that we as professionals see in the market. So to all of us out there who are counting us as really smart and influential, if you could call our wives and let them know how smart we are, that'd be great. It would help us both out when we go home at the end of the day and talk to our own families about our own personal finance.Josh Sheluk:I'm glad we have the moral support of each other, at least calling to help us through these dark times.Colin White:You complete me, Josh.Josh Sheluk:Sure. So, you touched on a little bit of this before calling it, but really the whole purpose of this podcast and the whole reason we have these conversations is because people are asking us what they should do in their situation. And like I said, you hit a couple of those key points at a high level. So maybe I'll just throw them to you one by one. If you were already thinking of selling today or a year ago or whenever it was, what would you do today? Does this give you a kick in the pants and say you should be going down this path? Or what do you think?Colin White:Well, I think for sure I'd view it as an opportunity. Again, I would not hold out thinking that this is going to continue to get better, but this is an opportunity. But it does put a little pressure on the other half of that equation if I can extrapolate a little bit, because you all got to live somewhere. So I actually have a couple of friends who've sold their property and they're so excited. Then they went to look for a place to live. Now they're less excited. So, make sure you have the whole equation. Just because you rush one side, you have to rush both sides and make sure that your eventualities are all accounted for. But yeah, even if you were thinking maybe the summer is the time to do it or fall's the time to do it this is worthwhile in my opinion, to move up [inaudible 00:24:00].Colin White:Now, if you're sitting in a beautiful property on a lake and saying, "I want one last summer to enjoy this," absolutely stop listening to us. I don't know why you're looking for the math. Math don't matter. That's an emotional attachment. Don't interrupt your enjoyment of life to maximize your real estate transaction. That's not anything I would put on the table for anybody. But I would suggest that now's not a bad time. You're thinking pf pulling the trigger. Maybe pull it a little quicker.Josh Sheluk:Yeah. So, just flipping that equation to the other side of the call and same person or a different individual looking to buy a place. What are you recommending today?Colin White:Well, again, it depends on your expectations. Again, I can use my own personal experience and the experience of clients. Typically you go through stages. Now, if you've got a young family and you're looking to move into a house for them to go to school, which is what we did. When my son was about to start school, I said, "Let's find a house that we can stay in while the kids are in school." So you're making a 15 to 20 year commitment, right. Somewhere in that range. So if you're making that kind of commitment, be a little bit wary about the finances and things may get a little bit wonky financially. So don't overstretch yourself. But if you can find something that fits, that you're going to plan to hold on to for 20 years, the market being high right now probably won't matter a hill of beans, but you need to make sure that you're not stretching yourself financially at this moment.Colin White:Because again, this is a bad time to stretch yourself financially. An interest rate bump of 1% can make a huge difference in your monthly mortgage payment. And if you go to renew and the house isn't worth as much, it doesn't appraise as high as what you paid for it, you could get in a squeeze. So, with the caveat to be careful to live within your means, buying a property now that you're going to hold for an extended period of time, again, I don't think is poison and the whole nesting thing. And people want to raise their kids and have a nest and matrimonial relations are important. All those kinds of things factor into it.Josh Sheluk:Yeah. Important. I think we want to definitely make sure that people are not overextending themselves because we've seen that story play out. And when you're borrowing to put money somewhere and you're overextending yourself, we don't have to look too far back into history, a little bit south of the border to see how that can end very, very poorly for people. So you have to be careful. Like you said, a 1% increase in interest rates can make a big difference. We've seen that. We've seen that almost. We've seen that because earlier this year I was hearing a 1.5% rate for a five-year fixed mortgage. Today I'm hearing 2%. Now, all this is second hand. I can't tell you for sure. But we have seen a pretty aggressive increase in interest rates so far, and if that trend continues, could we be in a jam?Colin White:Yeah. And the second piece of that, Josh is something you shared with me earlier this year where the appraised value of the property matters. So people had bought condos in Toronto during the condo boom, and then the values weren't quite as high when they came to close. So the institutions were appraising them lower than what they actually owed on them. And people were unable to get any financing to complete the deal. So interest rates are one thing that may change your monthly payment. You could get into a pickle if all of a sudden your property appraises at less than what you owe on it. And then all of a sudden you've got to come up with a big down payment or have some unsecured lending. Again, there's a couple of ways in the short term that this could get a lot tighter. So maybe we're not hitting this with enough emphasis, but there's a big point to be made here. Do not stretch yourself financially to get into a home right now. That is all kinds of crazy dangerous.Josh Sheluk:Yeah. Well, just to hit the point home a little bit harder on what you're talking about, appraisals. If you pay $500,000 for a place and the bank appraises it at 400,000, they're not going to give you a $450,000 mortgage. That's a way for them to lose money. So they're going to be very, very cautious. Lenders you've seen a number of the CEOs from the banks come out and say that they're a little bit cautious. They're worried that the market's overheating a little bit when it comes to real estate. So you can bet your ass that they're going to be careful when they're lending you money. And if you can't get the mortgage for the price that you paid, you're going to be in a jam.Colin White:Or you're going to be digging up those crates of money you stashed in the backyard, depending on where you live and when your [inaudible 00:28:28].Josh Sheluk:It's gold. [inaudible 00:28:29] It's gold.Colin White:Right. I keep confusing that. That's not my group on a run with them.Josh Sheluk:Yeah.Colin White:So Josh, maybe we should have a chat because there's talk, there's concern of changes coming down the pipe. And frankly, a lot of what I've seen is trying to scare people into action, which unfortunately is very effective. If you want someone to act, you just scare them. About the potential change in taxation on personal residences, because again, personal residences right now are tax free, which makes them taste even better. But there's concern over changes. What's say you to the current advantage and perhaps the potential for changes?Josh Sheluk:So let me just set the stage a little bit because I think we've been hearing the same things out there and I'm sure a lot of our audience has been hearing the same things as well. So couple potential changes when it comes to tax that will potentially affect your real estate. So first one that we've been hearing is well, they're going to tax your principal residence. Right now, your principal residence, when you sell it, any capital gains that you have are exempt from tax. So that's a huge advantage for the majority of Canadians that own their property. And just going back to one of the ones I said earlier, that's one of the reasons why a lot of people could argue that real estate is always a good investment because it's tax free. The other big change that we've been hearing about that personally, I think is little bit more realistic is a change on the capital gains inclusion rate.Josh Sheluk:So capital gains, if you have a cottage or a rental property, for example, any capital gains on that property will be taxable for you at 50% of the capital gains. So 50% of that capital gain goes on your income tax [inaudible 00:30:13] pay tax on that. There is some speculation that that 50% inclusion rate will be bumped up, whether it's 66 2/3, where it has been in the past, 75% where it has been in the past. I think it's even been 100% in the past going back a few decades, but these are the changes that people are talking about. But as you've made the point to me, people have been talking about these changes for a long time.Colin White:Oh, I know, and they're going to take the money from your savings account and there's going to be a wealth tax and there's going to be an estate tax. And there's lots of fear-mongering because it's effective. You can get people to listen to you if you tell those stories and you can motivate them to do something that's maybe what you're looking to do is to motivate them to do something. From a practical perspective, we have a minority government. And if they come in with something, either taxing personal residences or increasing your capital gains inclusion rate, I think that they probably would be the ex government. It would be difficult to see Canadians actually putting up with, and I'm sure somebody in a room somewhere has done that math. But the other thing is, typically those changes would come in with some kind of grandfathering. So we would have a chance to react to it.Colin White:Listen, I'm on the record of saying repeatedly, don't let the tax tail wag the dog. Certainly don't go chop down all your trees because there's a hurricane coming and might blow them down. Let's react to what's real. I've seen far more harm be done by people trying to avoid potential tax changes they thought might happen than any benefit from acting early and missing any kind of a tax change that has occurred in my career. So again, we're really bad salespeople. It doesn't motivate anybody to say, "Just sit quietly and let's see what happens." It's not that exciting. And if you're still listening at this point in the podcast, congratulations, you deserve a heart. But again, our take on this is uniformly boring. Let's not rush. I'm going to sit up and watch the new budget when it comes out as I always do.Colin White:And hey, fun fact. When the minister of finance stands up to deliver the speech, it all becomes available online at the same moment. So if you can read faster than she talks, you can actually get a preview of the budget ahead of some people. Maybe that was too much sharing. I don't know.Josh Sheluk:Yeah. Uniformly boring. We might look uniformly stupid in a couple of weeks when the budget comes out and everything that we just talked about is completely moot, but we'll cross that bridge to get there. Right?Colin White:Oh, we can just delete it from the internet. Right. That's how it works?Josh Sheluk:[inaudible 00:32:50] That's perfect. So, okay. So you're on record saying, "Well, don't do anything rash before the changes actually come down the pike, especially if you're not planning on doing something already." If it gives you that final little nudge over the line, then yeah. Maybe it makes sense to consider some potential tax changes, but certainly shouldn't disrupt all of your plans just because of something potentially happening at some point down the road at some point in the future.Colin White:Absolutely.Josh Sheluk:Yeah. So great talk, Colin. Lots to cover on the real estate front. I think what we should have maybe said at the outset is we're not going to be here projecting whether interest rates or real estate or your family home or your condo is going to go up and down in value. That's not really the point of this. The point is, is more to give people a little bit of perspective on what else they need to think about when they're trying to make decisions on the real estate.Colin White:Yeah. We could have come up with a really good podcast, "Three things you need to know about real estate in Canada today." But that's not us and that's not true. And if you listened to that, then you're not getting the whole story. Certainly not the bare naked story.Josh Sheluk:Yeah. We're far too naked for that kind of commentary.Colin White:[inaudible 00:34:06] go. All right. So I'm going to say thanks to everybody again for listening this far and listen, fire off any feedback that you have, if you want to hear other topics of conversation just let us know. We're going to try to feed the audience whatever it wants to hear, unless you want us to do a whole podcast on Bitcoin and then Josh would do that by himself because I'm not going to spend that kind of time on it. But anything short of that, yeah let's throw it out to us and maybe we'll put something together.Josh Sheluk:Yeah. A Bitcoin podcast might be a lot of fun for us, but people will probably be pretty upset once they hear a thesis.Colin White:Too much cursing.Speaker 1:This information has been prepared by White LeBlanc Wealth Planners who's a portfolio manager for iA Private Wealth. Opinions expressed in this podcast are those of the portfolio manager only, and do not necessarily reflect those by iA Private Wealth. iA Private Wealth Inc, is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. iA Private Wealth is a trademark and business name under which iA Private Wealth Inc. operates.  

Photo: No known restrictions on publication.1949People's Liberation Army troops entered to Nanjing Road, Shanghai on May 25, 1949.中文（中国大陆）‎: 1949年5月25日，中国人民解放军进入上海南京路The New John Batchelor ShowRepresented by CBS News Radio/CBS Audio Network@Batchelorshow Why have the PLA websites suddenly and uniformly gone non-transparent  or dark? Rick Fisher @GordonGChang, Gatestone, Newsweek, The HillRick Fisher, senior fellow on Asian Military Affairs of the International Assessment and Strategy Center  https://www.npr.org/2021/03/22/979350003/china-makes-it-a-crime-to-question-a-military-death-toll-on-the-internet

FCK 2020, HELLO 2021.... Di episode pembuka season 2 Podcast Bebas Linear ini kami membahas hal-hal yang ringan saja, diantaranya update berita terkini (termasuk di jagat sepakbola seperti biasa), beberapa trivia/fun fact, dan kami mencoba untuk membuat starting eleven hipotesis sebuah tim sepakbola yang terdiri dari para matematikawan.

104 – Welcome Republic Keeper Podcast 866-988-8311 info@republickeeper.com Trump suggests Election Delay. Tech Giants testify Google Brietbart Suppressed https://www.breitbart.com/tech/2020/07/28/election-interference-google-purges-breitbart-from-search-results/ Sundar Pinchai – Drs. Restricted This is why I’m asking you for money. Geolocation data means that your location is always known. Always. https://www.shtfplan.com/headline-news/how-government-entities-use-geolocation-data-to-identify-everyone_07302020 Socials – Publishers “Today more than ever, the interest of the Islamic Nation lies in unity, the type of unity that creates power against enemies and shouts out loudly at the embodied Satan, the encroaching US, and its chained dog, the Zionist regime, and stands up against aggression,” Ayatollah Ali Khamenei tweeted on his English-language feed. https://www.cnsnews.com/article/international/patrick-goodenough/us-satan-israel-its-chained-dog-twitter-gives-ayatollahs Facebook Holocaust Deniers https://www.thedailybeast.com/the-nazi-hunter-taking-on-mark-zuckerberg-and-facebook For the past six decades, Serge Klarsfeld has dedicated his life to hunting down Nazis and bringing them to justice. There was Klaus Barbie, the infamous “Butcher of Lyon,” whom Klarsfeld and his wife, Beate, tracked down in Peru; René Bousquet, who ordered thousands of Jews to their deaths in the Vel’ d’Hiv’ Roundup; and Paul Touvier, who was apprehended at a priory in Nice and became the first Vichy official to be convicted of crimes against humanity for Holocaust collaboration. Now, he’s setting his sights on Mark Zuckerberg. Klarsfeld, 84, is one of a number of Holocaust activists and survivors who are speaking out as part of #NoDenyingIt, a campaign against Facebook and its founder for allowing Holocaust denialism on the platform. In addition to Klarsfeld, who lost his father at Auschwitz, the participants include Auschwitz survivor Roman Kent, Anne Frank’s stepsister Eva Schloss, and many more. “Let’s take this whole [issue] closer to home. I’m Jewish, and there’s a set of people who deny that the Holocaust happened,” said Zuckerberg. “I find that deeply offensive. But at the end of the day, I don’t believe that our platform should take that down because I think there are things that different people get wrong. I don’t think that they’re intentionally getting it wrong.” (He later issued a half-hearted apology, while remaining steadfast on in his position: “I personally find Holocaust denial deeply offensive, and I absolutely didn’t intend to defend the intent of people who deny that.”) Later in the chat, Zuckerberg expanded on his company’s rather nebulous policy. “The principles that we have on what we remove from the service are: If it’s going to result in real harm, real physical harm, or if you’re attacking individuals, then that content shouldn’t be on the platform,” he said Trump Nukes them with EO https://www.whitehouse.gov/briefings-statements/statement-press-secretary-regarding-implementation-president-trumps-executive-order-preventing-online-censorship/ On Monday, the Department of Commerce, as directed by President Donald J. Trump’s Executive Order on Preventing Online Censorship, filed a petition to clarify the scope of Section 230 of the 1996 Communications Decency Act. The petition requests that the Federal Communications Commission (FCC) clarify that Section 230 does not permit social media companies that alter or editorialize users’ speech to escape civil liability. The petition also requests that the FCC clarify when an online platform curates content in “good faith,” and requests transparency requirements on their moderation practices, similar to requirements imposed on broadband service providers under Title I of the Communications Act. President Trump will continue to fight back against unfair, un-American, and politically biased censorship of Americans online. Arrogance of Success usually leads to death. Sports Was the first successfully integrated industry. Uniformly patriotic Was a respite from political and economic strife. Universities and Education Zoom has stripped away the need for $65K a year in on campus experience. The whole country has seen what we’ve bought with all that student loan money and the cry of BA for all. It was a load of BS and the whole nation has buyers remorse. Northwestern University received $340 Million from Qatar since 2012. https://freebeacon.com/campus/top-journalism-school-teams-up-with-qatar/ The movie business Way before COVID it was in trouble. The PC environment has made it impossible to make any movies that are not woke and preachy. If the US or our history or values are too honestly displayed, no Chinese market. If critical of China, no Chinese market. CORONAVIRUS On Tuesday, Risch went further, charging in an interview with Just the News that Fauci is perpetrating a "misinformation campaign" in his opposition to the drug. Fauci "has been maintaining a studious position that only randomized controlled trial evidence has any value," Risch said, "and everything else he calls anecdotal." Randomized controlled trials have been referred to as "the gold standard" of clinical research experiments; Fauci last month lamented the "paucity" of such trials regarding COVID-19 cures. But Risch said numerous other types of studies have significant practical value in determining effective courses of medical treatment. Risch shared a 2017 New England Journal of Medicine article by former Centers for Disease Control and Prevention Director Tom Frieden, one in which the author argued that randomized controlled trials have "substantial limitations" and that "many other data sources can provide valid evidence for clinical and public health action." Risch said opponents of HCQ have been arguing that the drug "doesn't work on patients near death in ventilators and therefore we can't use it on healthier patients in outpatient settings."   "Why would you even entertain invoking a study on severely sick patients to bear on the efficacy of outpatients?" he asked. Trader Joe’s won’t cave Trader Jose, Giotto and Ming Ireland – Barclays bank has closed the bank account of Core Issues Trust (CIT) because the practice “conversion” therapy. The ministry offers “talking therapy” to people who want to explore moving away from unwanted same-sex attraction and gender confusion. The organisation, however, rejects the label “conversion therapy.” Over 100 Police agencies have bowed out of DNC convention in Milwaukee over the crowd control rules. https://justthenews.com/politics-policy/elections/more-100-police-agencies-back-out-dnc-convention-citing-citys-new-rules Russian – Obamagate – Senate expands probe Clinton acolyte and former Deputy Secretary of State Strobe Talbott, who has admitted he received and provided copies of the Steele dossier former Clinton associates Cody Shearer and Sidney Blumenthal. Shearer, a relative of Talbott, wrote a dossier similar to Steele's that was provided to the former MI-6 agent. former State officials Victoria Nuland, Jonathan Winer and Kathleen Kavalec, all of whom had contact with Steele as he was developing his dossier. The senators also made their most sweeping demands for records from CIA, including any information the spy agency provided the FBI concerning the credibility of Steele as a human source. The lawmakers also pressed CIA for any records of requests for assistance from foreign allies in the Russia collusion probe. Specifically, they requested "all records related to assistance requests about the persons or conduct at issue in the FBI’s Crossfire Hurricane investigation, whether before or after the opening of the investigation, to the following foreign governments: a. Australia; b. Israel; and c. the United Kingdom," their letter to Haspel stated. CIA also was pressed for records concerning the conduct of former Obama-era director John Brennan, including his contact about the Russia probe with fired FBI Director James Comey and then-Senate Democratic Leader Harry Reid as well as any travel he took to Ukraine, Russia's neighbor. Ukraine (Part 4) 4/14/2016 Call – Send a signal Save Our Ass Jan 16-17, 2017 - At the time, White House officials said the trip was to reinforce U.S. backing for Ukraine while the world prepared for the inauguration of President Trump, who was expected to bring a pro-Russia stance to office days later. “The vice president's trip to Ukraine will underscore US support — and highlight his personal involvement in providing support — for Ukrainian independence, democratic development, prosperity and security,” the White House said. The vice-president’s keen interest in Ukraine, his frequent trips and phone calls to Poroshenko, attracted questions ahead of that trip. “And so when he is tasked by the president to focus on an area, he goes out of way to make sure that he has a close personal relationship with the leaders involved,” said the official. Support request Pray Subscribe & Share Donate

On today's show we get into the selective outrage expressed by the media over the El Paso, Texas terror attack and how they're blaming the president for the actions of a monster. However, when it comes to the Dayton shooting and that shooter's politics, the media is radio silent. Plus, the Democratic Socialists of America held their convention over the weekend and there was a hilarious exchange over gendered language and noise you have to hear to believe. In the wake of the horrific terror attack in El Paso, the establishment media had their prayers answered when the killer's manifesto included anti-immigrant rhetoric and racism toward Hispanics. It allowed them to twist his words into something they can blame President Donald Trump for. Uniformly, the chatter on the Sunday shows, CNN, and MSNBC was all about blaming Trump. Supposed news anchors sat silently as a parade of Democrats called the president a racist and accused him of responsibility for the actions of a madman. Meanwhile, the mass shooting in Dayton, Ohio, took a backseat after it couldn't be exploited to liberals' political advantage. Rather than advocating for more gun control, the left has seized the opportunity to attack the president. But a trip down memory lane shows that the examples of "Trump's racism" don't hold up when you listen to what the president actually said, rather than the liberal spin of his words. We have all the audio. The Democratic Socialists of American held their convention in Atlanta this weekend and it was a woke-off. One exchange, in particular, was telling about the minds of the radical left. One person complained about delegates talking, and another complained that the first person addressed the room as "guys." You have to hear it for yourself.

In this podcast, Global Spine Journal's Editor-In-Chief, Jeffrey C. Wang, MD, interviews Gregory Schroeder on his article, Can a Thoracolumbar Injury Severity Score be Uniformly Applied from T1 to L5 or Are Modifications Necessary?.

Thieme Verlagsbine globl globel0:00Fri, 18 Sep 2015 00:00:00 +0200

Thieme Verlagsbine globl globel0:00Fri, 18 Sep 2015 00:00:00 +0200

Four equations of uniformly accelerated motion are derived from the velocity vs. time graph in a clear, concise way...I think!

Only one percent of alcoholics believe that they can be helped by alcohol rehab. Listen in if you think someone you know may have a drinking problem.

Transcript -- A ride showing 2 uniform horizontal rotations about 2 different axis. A mathematical model is made to look at the forces exerted on the riders.

A ride showing 2 uniform horizontal rotations about 2 different axis. A mathematical model is made to look at the forces exerted on the riders.

Transcript -- A ride showing 2 uniform horizontal rotations about 2 different axis. A mathematical model is made to look at the forces exerted on the riders.

A ride showing 2 uniform horizontal rotations about 2 different axis. A mathematical model is made to look at the forces exerted on the riders.

Background: The number of inducible adhesion molecules known to be involved in cell-mediated allograft rejection is still increasing. In addition, recent data describe complement activation during acute humoral allograft rejection. The aim of this study was to assess whether specific molecules from either pathway are excreted into urine and whether they can provide useful diagnostic tools for the monitoring of renal transplant recipients. Methods: Urinary concentrations of soluble adhesion molecules (sICAM-1, sVCAM-1) and of the complement degradation product C4d were determined by standardized ELISA technique in 75 recipients of renal allografts and 29 healthy controls. Patient samples were assigned to four categories according to clinical criteria: group 1: acute steroid-sensitive rejection (ASSR, n=14), group 2: acute steroid-resistant rejection (ASRR, n=12), group 3: chronic allograft dysfunction (CAD, n=20) and group 4: stable graft function (SGF, n=29). Results: All patients with rejection episodes (groups 1-3) had significantly higher values of urinary sC4d compared with healthy controls and patients with stable graft function (p