35 Burst results for "Aries"
"aries" Discussed on Aries Today
"Good morning aries. Today's wednesday may twenty six twenty twenty one. The full moon rises in the heart of gemini. Season some call this the flower moon celebrating the blooms have spring. This lou nation reminds us to appreciate all the blossoms around us the results of hard work and ardent faith This is areas today. A spotify original from podcast. Let's begin your day. Tonight's full moon also marks a full solar eclipse. these nations realized loss this time within the education space online school has resulted in fewer kids enrolling in college this year an inability to travel his interrupted cultural exchange. Our challenge is find ways of overcoming these obstacles instead of allowing distance to isolate under this alignment your knowledge and communication access squares jupiter in pisces. You might feel a fog settling over your conversations aspirational pursuits. Don't allow dow to sway you from the plan. You sat when the weather was clear. Contemplate your path to personal growth. People who have opinions on everything rarely understand anything learned to love the phrase. I don't know it's not a weakness. It shows that you have a willingness to learn. Have you ever wondered about the stories behind your son. Sign in celebration of the summer solstice delving into the legends that created the zodiac on tales mythical monsters superstitions and mythology these special episodes kickoff june fourteenth aries today is a daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. that's s. anc t. u. a. r. y. w. r. l. d. horoscope. Today is a spotify original from our cast..
"aries" Discussed on Aries Today
"Good morning aries. Today is sunday may twenty third twenty twenty one. Saturn appears retrograde in aquarius. He'll backtrack through this sign until october eleventh. This chapter allows us to reap the karma we've sown consolidate refocus and questioned the way you live in love. This is aries today the spotify original from podcast when you open your bag. Do you have trouble finding what you're looking for. If so get organized with ziplock brand accessory bags they're stylish and durable and keep your bag neat and tidy us one for cosmetics. Another for tech or jewelry or headphones or any of your must haves and best of all you can use them over and over again spend less time looking for things and more time getting things done with ziplock brand accessory backs available in three collections. Boho chic and charm all with new designs swagger bag with ziplock brand accessory bags. Let's begin your day when saturn appears retrograde in your eleventh house. You might be more aware of where you're going and how you fit in with others. You might feel irked by superficial networks and find yourself reevaluating how dependable these connections really are now. Take a moment to reflect on your relationships. You might be reconnecting with good friends and acquaintances people. You've always enjoyed but perhaps haven't seen in a while given all that's underway. Consider where you want to put your loyalties. Contemplate your path to personal growth rechelle. Goodrich said many times what we perceive as an error or failure is actually a gift and eventually we find that lessons learned from that discouraging experience proved to be of great worth areas. Today is daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. That's s anc. T you a r y w r l horoscope. Today is a spotify original from podcast..
"aries" Discussed on Aries Today
"Good morning aries. Today's sunday may second twenty twenty one jupiter in aquarius squares mercury taurus venus and torres six tiles neptune in pisces. It's the kind of day when mixed messages can get blown out of proportion. Don't let fuzzy signals complicate romantic endeavors. This is aries today. A spotify original from podcast. This episode is brought to you by dell. Xps from developing the next big app to next generation sequencing of dna get deeper into your passion with the x. p. s. thirteen unleash powerful performance to fuel your imagination verify for exceptional experiences with intel. Yvo platform get into your universe with daleks. Ps let's begin your day a friend my app something to say about your role or the energy put into your work. It's up to you whether you want to listen. Unsolicited advice may find you this afternoon. Now remember it's only one opinion. Now take a moment to reflect on your relationships. If you've been feeling a little bored find a way to involve yourself with a new community. Sign up for a class of some kind. Even if the friendships are never lasting they might be a fun change of pace. Contemplate your path to personal growth of every false bill of goods were sold. The myth of the starving artists is among the most cruel. The idea that true creativity must be born through suffering. That struggle yields brilliance in fact multiple studies. Show that the most prolific artists are those who can financially make ends. meet when. You're no longer stressed about your needs. You can focus on what's next areas. Today is daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. that's s. anc t. u. a. r. y. w. r. l. horoscope. Today is a spotify original from podcast..
"aries" Discussed on Aries Today
"Good morning aries. Today's wednesday april. Twenty eight twenty twenty one. The moon sales through sagittarius meanwhile the stellian and torres persists infusing zodiac with grounded energy whether you deepen connection or your dedication to a goal. Keep your eyes blocked on the finish line. This is aries today. A spotify original from podcast. When you open your bag. Do you have trouble finding what you're looking for. If so get organized with ziplock brand accessory bags they're stylish and durable and keep your bag neat and tidy us one for cosmetics. Another for tech or jewelry or headphones or any of your must haves and best of all you can use them over and over again spend less time looking for things and more time getting things done with ziplock brand accessory bags available in three collections. Boho chic and charm all with new designs swag with ziplock brand accessory bags. Let's begin your day. The money minded house if your horoscope is still alight. Bolstered by mars in your house of foundations however the sagittarian moon awakens. You're adventurous ninth house filling you with wanderlust. It could be tricky to stay the course with so much at your doorstep now. Take a moment to reflect on your relationships. It's the worst when your partner to something embarrassing especially in front of your friends and less. It needs to be addressed. Let it go. Contemplate your path to personal growth. It's possible to do too much introspection. Especially when you've been cooped up all winter for the next week or two. Your sinement is to try three things you've never done before. Aries today is a daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. that's s. anc t. u. a. r. y. w. r. l. d. horoscope. Today is a spotify original from park..
"aries" Discussed on Aries Today
"Good morning aries. Today's thursday april fifteenth. Twenty twenty one. The moon enters gemini bringing fruitful conversation. Check in with companions and talk plans for the future. Enjoying little controlled chaos. The world opens up when we approach it. With what ifs. This is. Aries today a spotify original from podcast. Let's begin your day the moon gemini activate your throat shaqra and invites you to start sharing. Be careful to not let your excitement for emerging ideas make you. Restless exploration is more important than execution divan without thinking. Now take a moment to reflect on your relationships. The sun in your sign finds harmony with warrior planet. Mars placing you at an advantage and passionate affairs. Ask for what you want and take with reckless. Abandon indulging in an evening of intimate connection can do wonders for your spirit. Contemplate the work you do and your career. Great reveal or pluto invites transformation to your house of vocation changing feelings surrounding your purpose. Professional life may frustrate you try to prioritize tasks that deliver the most joy areas today is daily. Podcast follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary up from the apple app and google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. that's s. anc t. u. a. r. y. w. r. l. horoscope today as spotify original from podcast..
"aries" Discussed on Aries Today
"Good morning aries. Today is monday. April twelfth twenty twenty one. The moon journeys into taurus. The sign that rules the throat chakra intentions. You set under yesterday skies. Now ask how you plan to implement them. Spit ball some plans prosperity. This is aries today. A spotify original from podcast. Let's begin near day. The moon brings focused here investments allowing you to audit where you're overspending often work. Life balance seems like a matter of time management when it's more about energy management invite abundance by freeing yourself of fruitless expenditures. Now take a moment to reflect on your relationships. You'll find a sweet spot with colleagues while your ideas may not pick up steam on their own right now. You can thrive through teamwork find support from coworkers who recognize your brilliance contemplate. The work you do in your career great reveal pluto brings disruption to your house. Vocation your self worth may be particularly affected by a sense of hardship in the workplace or confusion about your calling understand that your daily output is never a reflection of your value areas. Today is daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. that's s. anc t. u. a. r. y. w. r. horoscope. Today is a spotify original from podcast..
"aries" Discussed on Aries Today
"Good morning aries. Today is friday. April ninth twenty. Twenty one marsden gemini squares the moon and neptune in pisces. Though we may be in the mood to move forward courageously something could be slowing down. Mars is ready to charge. But first we must be sure all basis or covered this aries today. A spotify original from podcast. Let's begin your day much of yesterday's struggles continued although it might feel more intense mars pushes you to forward your agenda and find the most efficient route for me to be the conjunction and your twelfth house brings up the past as you move forward. Remember your mistakes. Don't forget all you've learned over the past few years. Now take a moment to reflect on your relationships. What have you done for others lately. Right now your social sectors are alight encouraging you to use your talents for the greater good. Consider what a better world looks like for you. Contemplate your half to personal growth. You are an action oriented sign meaning. You could struggle to let things go. Perhaps you see surrenders laziness and while you want your friends to be healthy. You might put your own health on the back burner but you deserve to heal aries areas. Today is a daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot psychic readings today and follow sanctuary world on instagram. That's s anc t. u. a. r. y. w. r. l. d. horoscope. Today is a spotify original from podcast..
"aries" Discussed on Aries Today
"Good morning aries. Today's tuesday march sixteenth. Twenty twenty one the sun in pisces sex tiles pluto and capricorn pluto is the deep probing planet transformation with forgiveness and compassion. We can heal issues that caused a rift last year. It's a great time to keep a sense of perspective. This is aries today. A spotify original from podcast. Let's begin your day. The moon in taurus finds harmony with four planets and pisces. Under the influence of fluid yin energy settles over the entire zodiac focus on being a calming presence in your role perhaps helping others to make peace with things outside their control. Now take a moment to reflect on your relationships. This is a slow month for love. Affair started during this time tend to end the same way. They begin if you want it to last. Before right and honest keep nothing secret. Contemplate the work you do and your career over the past year we've experienced some of the most monumental transits of her life times if you're feeling tapped outright now take a mental health day sometime self care is the best thing you can do for your career areas. Today is a daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot psychic readings today and follow sanctuary world on instagram. That's s anc t. u. a. r. y. w. r. l. d. horoscope. Today is a spotify original from podcast..
"aries" Discussed on Aries Today
"Good morning aries. Today is tuesday march. Ninth twenty twenty one. The moon and aquarius trying to mars gemini. Today is about blue sky thinking and forming a bigger picture late tonight as the moon conjunction fatherly saturn will find the glue to make these ideas stick. This is aries today. A spotify original from podcast. Let's begin your day. The sun venus and neptune begin to embrace in pisces ushering in a moment of serenity and transcendence however this could also feel overwhelming and at the same time. Stir up feelings of anxiety. You may find it hard to trust everything you hear. Turn a blind eye to unsubstantiated rumours. Now take a moment to reflect on your relationships. Mars appears in your third house pulling you closer to kindred spirits. This energy is bolstered by planets at aquarius. Bringing your focus toward the collective. See who you're inclined to reach out to today. Contemplate the work you do and your career the sun. Venus and neptune are tiptoeing through your twelfth house of solitude signaling a time to retreat. This could.
"aries" Discussed on Aries Today
"Good morning aries. Today is wednesday march. Third twenty twenty. One mars enters gemini here mars versatile that we easily loses focus when the warrior planet loses his way in this communicative sign aggressive competitions in strongly-worded emails can spike. Think before you speak this month this aries today. A spotify original from podcast. What does our past say about our present. And how did the choices we make today. Impact the path ahead join park cast for mystical guide toward the future journeying through cycles of life love an intuition and the spotify exclusive your magic every monday acclaimed author and host michelle t performs the centuries old practice of tarot reading for a celebrity guest letting the cards tell the story opening a window of intrigue and insight into her guests career and life. Welcome to cosmic spot where misfits dreamers disruptors come together. Listen free and exclusively on spotify by typing your magic in the spotify search bar. Let's begin your day. Mars moves and third house. This energy can be somewhat scattered though. You have brilliant ideas. You'll need to work hard to channel your energy constructively. Do your best to focus and exert patients. Now take a moment to reflect on your relationships if you have siblings. It's a beautiful time to grow closer unit. If you're an only child you likely have friends who functioned like family. Keep them close now. You'll need each other in the months ahead. Contemplate your path to personal growth before you heal the world ten to your own backyard over the next month. You may take an interest and improving your local community trust that this work will have a ripple effect you may not be able to see areas. Today is daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot or psychic reading today and follow sanctuary world on instagram. That's s anc. T. u. a. r. y. w. r. l. horoscope. Today is a spotify original from podcast..
"aries" Discussed on Aries Today
"Good morning aries. Today is tuesday february sixteenth. Twenty twenty one. Yesterday's energy continues. Although we may feel more restless you might be frustrated by outdated modalities and nonsensical rules. It's all right to be rebellious. Just keep it within reason. This is aries today. A spotify original from podcast. If you're feeling anxious depressed are overwhelmed. Better help offers licensed online counselors who are trained to listen and help connect with your counselor through secure video phone chat or text. Join the one million. Plus people getting help with better help and horoscope today. Listeners get ten percent off your first month better help dot com slash horoscope today. That's better h e l p dot com slash horoscope today. Let's begin your day. The moon moves through the latter. Half of your sign bringing a calm self-aware energy. Allow this to center you especially as you focus on the larger matters at hand when you remember what you want. It's easier to ask for it. Now take a moment to reflect on your relationships. Do you have a crush on a pisces. you'll need to show your vulnerable side. Pisces will respond to your passion but won't suffer a hot temper. be gentle. listen to their ideas and enjoy the poetry that ensues contemplate the work you do in your career. How do you stay motivated. When your day to day grows a little monotonous. I remember that wherever you are at. This moment is where you are meant to be cope by keeping positive outlook areas. Today is daily. Podcast follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app. Google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. that's s. anc t. u. a. r. y. w. r. l. d. horoscope today as spotify original from podcast..
How Stonewall Unified the LGBTQ+ Community With Activist Mark Segal
"In the mythology ising stonewall we talk about how it lasted three days as if it lasts three days just on its own and something i had heard before until your book was about how it lasted three days because you were writing chalk on the street come to stone tomorrow night. How intentionally kept it going. I mean you writing chalk on the street meet stonewall night like that spread information that that's like tweeting. Today we had no cell phones. We had no internet most couldn't afford a phone quite honestly. During some fifty sort of amazing. I would go out to various speaking engagements. Some of them were museums. Some of them were in schools. Everyone had it seems a different day. Oh went on for three days. Oh it went on for four days. Oh it went on for six days. How many days did go on is a good question for me. You went on three hundred sixty five days because right from the beginning we started organizing that includes from the street running on street tomorrow night to the third or fourth or fifth night. I don't remember which where we had leaflets on the street saying you know we're not going to allow the The police to oppress us anymore. This is our neighborhood. That's what is so that was in itself illegal. When we gathered at the steps of stone wall that was illegal homosexuals could not congregate to that was when we said. We're gonna fight the police. That was illegal. Everything we did in that first year was basically illegal and we wouldn't be stopped. We were going to be out loud proud and don't even try to stop us. I don't think i knew that. Part of history that it was illegal to congregate if you're gay. Yup that's why stonewall was so popular because if you were walking up and down christopher street all night long which is what i did with my friends. The chances argue would be stopped by the police sometime. The police that they saw drag queen will try to find out if they had three pieces of mail clothing on because that was the law. Others would be harassed. It wasn't a safe as you might think it would be so when you went into the stonewall it was a safe place it was a place you to be yourself. You could hold hand. You put your arm around somebody and more importantly to eighteen year old. You can dance sure. Now you mentioned. Marty robinson he with one of the co founders of the liberation front which was a group that really helped to forge. The foundation of our community was the gay liberation front. Was that group something that came out of stonewall or was it already in existence beforehand. There were many organizations before stonewall. The leading one in new york was mattachine and all my first or second week i tried to go in about a sheen. They said i was too young as i was leaving. That's where i met. Marty robinson who is coming out and he said you know these guys. They don't get it they don't understand what's going on in nineteen sixty nine. We just can't be doing once a year march. We need to do some more. He created the action group which i was a member off. There were many little groups or pockets of groups like that around new york somehow. After stonewall we all unite for the first time action roof aries lesbians. We got together. That's what created gay liberation front. He was the first united movement in our country from the grass. Roots up before that drag queens weren't allowed to be part of it before that streaking like me weren't allowed to be part of any movement so that change gay liberation front. That's what we were
Should fewer Americans get a stimulus check?
"Republicans going to the White House today to really put this idea of bipartisanship in unity. To the test. They've got their own covered relief plan. It's one third the size and expense of what the White House has been offering. They'd like to make this a bipartisan deal to signify that they can get along and move down a different path. But is it just sound in fury signifying nothing. We turn to Rachel Sutherland watching it all on Capitol Hill are Forks, Fox correspondent and W. Jared Contributor. I, Rachel A guy? Yes, these 10 Republicans led by Susan Collins. We're going to the White House meeting scheduled at 5 P.m. in the Oval Office of 5 P.m. eastern time. But there is a great divide on this coronavirus release plan. The president is calling for $1.9 trillion Some Republicans have a counterproposal. $600 billion still includes a lot, but there are key differences for one Republicans want a $1000 stimulus check instead of the $1400 stimulus check. They also want income limits to be different under the Biden plan that believes that income on that start you start phasing out over 75 or $80,000 a year, Republicans would see that phase out, starting at 40 or $50,000 a year. They say This is more targeted relief to the people who most needed. The trick here is sometimes 40 or 50 doesn't take you very far, depending on where you live, how expensive it is. I don't know if they're taking that into account. No, no question. And also there's this notion that some people have been held harmless that have really felt no economic sting at all, and that they could still get money under both plans. Actually, I did want to ask you. There's some day of news here that is, is making things more curious, and that is the nonpartisan Congressional Budget Office, releasing a forecast Stating that our economy absent any significant intervention could be back at pre pandemic economic growth numbers by the middle of this year. Does that have anybody rethinking the size of this stimulus plan? And does that give Republicans maybe some ammunition to say Hey, we don't need a $2 trillion bail out here. Is that something from the Congressional Budget Office and those were the nonpartisan be encounters. They're making this production that by the middle of the year we could be back to where we were before. Which is, if you think about it remarkable that people who live day to day man who may be lost or business lost her job was heard of people living in their cars, and they find it. Hard to believe. But yeah, I do. Pretty guy could give Republicans ammunition coming Anything. What? We have this report to the CBO saying that things were going to get better. But because the vaccines are on the way, it's been about a bit of a bumpy rollout. Now there's been announcement from the government of at home testing kits. They're going to ramp up production. That you can test it home and then hook it up to an analyzer and it'll give Aries. So if you have a smartphone within 15 minutes, imagine how that could change our world in our lives. And going places going back to school. Going back to work. Maybe going to see a concert. Something like that. And all of those things. Yeah. What so much talk about bipartisanship right now. And I'm curious because you know if I'm talking to people that run restaurants have I'm talking people in the street. I think they're saying, Look, we need help. We don't really give a rip whether who wants to take credit for it or whether it's bipartisan or not. How important is the bipartisan bill to the White House? How important is it to the GOP? And why are they struggling so hard to try to at least look like they are moving down that road? This is the first test of bipartisanship. The first real test to see Okay. Does President Biden mean it when he's talking about unity? This meeting today so important? It's also noteworthy that there are 10 senators from the Republican side going over. That's enough to break the filibuster. And go ahead and pass something if they can't come to agreement Democrats have in their back pocket. This idea. I'm sure you heard of it. Budget reconciliation, which was it's a maneuver that allows him to get around the filibuster and passed us on the simple majority vote. But Republicans don't like the idea for one. This includes a $15 minimum wage, which serves they're saying Whoa, Hold on. I might have to lay off workers and we don't need that in the pandemic.
Global Gilmour Space completes successful hybrid rocket engine test
"Doco space rocket competent gilmore's space of caridad a successful engine to spur of the new hybrid rocket. Motor the hot five. Verification tests are what is the world's largest single port hybrid rocket engine lasted ten seconds producing record ninety-one killer newton's nine tonnes force thrust the queensland based companies developing a three stage launch vehicle capable of carrying small satellites into low-earth orbit and the rocket murray. Yes for this test is the same design. That will be pairing. The first and second stages of the company's new aries vehicle engineers now going through the results with plans to undertake duration and higher thrust tests in the next few weeks. This space time.
"aries" Discussed on Aries Today
"Good morning aries. Today's january twenty fourth. Twenty twenty one. The sun meet saturn and jupiter and aquarius. We all have things we've been meaning to get around to and today's alignment is ideal for follow through on that to do list. Take the next step forward. This areas today a spotify original from parkas asked if you are feeling anxious. Depressed are overwhelmed. Better help offers. Licensed online counselors trained to listen and help connect with your counselor through secure video phone chat or text. Join the one million. Plus people getting help with better help and horoscope today. Listeners get ten percent off your first month at better help dot com slash horoscope today. That's better h e l p dot com slash horoscope today. Let's begin your day. The moon moves through gemini setting your house of communication aglow self expression and social graces. See a boost. If you feel called seek ways to use these gifts to serve the greater good now take a moment to reflect on your relationships. Communicator mercury calls. You to engage develop deeper report. There's much to discuss today. Embrace long conversations with your loved ones and new flames alike. Contemplate your path to personal growth with an emphasis on cerebral air signs. Today you may feel pulled to speak out as you make plans with friends. Embrace your ability to articulate. Your people need your voice. Aries today is a daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. that's s. anc t. u. a. r. y. w. r. l. d. horoscope. Today is a spotify original from podcast..
"aries" Discussed on Aries Today
"Good morning aries. Today is thursday january twenty first twenty twenty one the minor planet. Vesta appears retrograde virgo. This is an elusive energy in. Astrology focused on masculine energy but as it relates to feminine entity the relationship between fathers and their daughters explored power imbalance in this arena is prominently displayed. This is aries today. A spotify original from podcast If you're feeling anxious depressed are overwhelmed. Better help offers licensed online counselors who are trained to listen and help connect with your counselor through secure video phone chat or text. Join the one million. Plus people getting help with better help and horoscope today. Listeners get ten percent off your first month at better health dot com slash horoscope today. That's better h e l p dot com slash horoscope today Let's begin your day. Vesta is the chase to maiden and represents gender politics within a person's chart she also cultivates masculine energy when surrounded by the divine feminine. Now take a moment to reflect on your relationships. Vesta moves through your sixth house of self sufficiency giving you time to reflect on the way you rely on others. Do you take on traditional gender roles within your partnership or do you share the work equally with your significant other. Contemplate the work you do and your career for the next while. Be wary of taking credit for another's work conversely be aware of other. Speak over you to take credit for your great ideas areas. Today is daily. Podcast follow on spotify to make part of your morning routine if you're interested in learning more about your sign. Download the sanctuary app from the apple app and google play stores. Get your astrology. Tarot or psychic readings today and follow sanctuary world on instagram. That's s anc. T u. a r y w r l. d. horoscope today is a spotify original from podcast..
Motion in the Ocean
"This nasa spinoff puts a new twist on offshore wind energy. This is innovation now bringing you stories behind the ideas that shaped when engineers working on the aries rocket ran into a snag because of disastrous vibrations. The team sprang into action. Creating an innovative solution. A small device was loaded into the fuel store for the second stage rocket as the device began expanding and contracting at a specified frequency. The fluid began moving with the device instead of with the spacecraft keeping the vibrations within an acceptable range after nasa discontinued the series project engineers found new life for the vibration fix a team adapted. The device to help stabilize tall skyscrapers and high winds or during earthquakes now. The device is being once again for use in maritime environments tests are underway. Demonstrating the devices effectiveness at stabilizing floating platforms. Offshore wind farms offer steadier more reliable energy especially for coastal urban areas but platform movement reduces the turbine's ability to capture the win by lessening the platform's motion in the ocean. This nasa spinoff could make offshore wind energy of competitive option for innovation. Now i'm jennifer. Pulley
The Rise Of Remote Work
"So Eric we've been working from home for about eight months now I hadn't noticed. Yeah. So how has it been going house remote work than for you in a lot of respects? It's very challenging. My Wife, Janine? She also works from home. She's worked at home this entire time and you know our marriage is great. You guys are still married just for the record year despite eight months of cohabitation and Co. working right. Yeah, no know there are definitely challenges. But when it comes to the PODCAST, this has actually been a brief and this is the one thing that got better I i. agree actually I mean, we used to every single time we had to record a podcast used to make sure we had this one booth and we would get in there. I would even sometimes like Jerry rig it. So the air conditioning wouldn't come on. So we would get the perfect sound quality for our podcast for you. Listeners just offer you guys and then as soon as we were regarded from home or like oh we. Just set up mic in our bedrooms at it's fine. Yeah. A picture in the dictionary of a super spreading event, it would be that little podcast with four people crammed in and Stuffy Air floating around for an hour on those little tiny seats. Yeah. So, from podcast hosting perspective remote work has been way better, and in fact I think we'd continue to do it this way even if the office opened back up when you think yeah I think so and and it is interesting because there are a lot of companies that we've been reading about. That are starting to offer this option to their workers. Right? You don't have to go back. You could be remote indefinitely. Maybe forever, what would you do if you had that option? I mean that's tough flood. There is something attractive about going somewhere with nature. Some were cheaper right re working from there but. I don't know even I don't miss the booth per se I do miss the office I. I think I would go back to be honest. I'm not going back. I'm not going back to that old way it was taking too much Outta me I'm not going to deal with it. That's Richard Florida professor of Urban Economics and an advisor to sidewalk labs. We wanted to hear what he thinks. Remote work will mean for the future of cities I mean for me, I've liked being home. I find that I like my neighborhood better. I find that I like my life better I'm certainly I mean, my kids are three and four. It's giving me a lot more time to spend with my two girls. So I've gotten to know my neighbors a lot more gotten to be like cycling buddies with my neighbors that I wasn't before some. Glad on long rides. With, people over on the front porch a lot we set up a front porch. I mean, we didn't. We have like an earn out there. Now we set up a front porch. For Richard It wasn't just neighborhood life that improved teaching classes got better to. taught my course online. So I was able to bring in people from all over the world. A mayors are backing up developers people from technology companies. We had to learn how to do it and we got better at it but another big thing for me was showing me the ability to do remote teaching in having go very successfully. So I actually think that's going to be a big deal. It is interesting that your experience highlights the two different advantages of remote work. Right on the one hand in your teaching you've brought in all of these global perspectives than ever before and on the other hand at the same exact time you're so much more keyed into the local, right what's happening outside your front door. Yeah. It made me appreciate the local in ways I mean is it forty? Your urbanism I never would have thought that the other thing is my neighborhood was a commuter neighborhood for knowledge workers for corporate people, which means as a remote were professor. In writer I was the only man adult men in the neighborhood during the day. I really felt like freaking oddball. Now. There are a lot of guys my age in the neighborhood all the time like out with their kids or out hanging around or going to the park. So it sounds like the daytime population of your neighborhood has gone up dramatically. But. Do you have a sense of what the daytime populations now like in the commercial districts of Toronto in those corporate knowledge sector places that the the folks who live around aren't going to anymore it's terrible. There's not many people down there and you know I, had saw more of those buildings were residential and they're not they are still office work. So I think personally central business district is a historical relic. During the industrial revolution beginning with manufacturing, we separated work from life. You know people used to work where they live, they were artisans or producers with above their shop. And then as we added transportation innovations, lay subways, trains, and transit people started the commute more and more not just the factories but the offices in develop these giant commercial towers and stack and pack knowledge workers. I think a lot of that's going away and I think this shift to virtual earth remote work is a big part of it. Richard. told us that this forced experiment in remote work has hastened the. Process that was already in motion, not just for individuals but for cities to the future of economic development is talent there is now no other economic development strategy and I'm talking economic developers all the time in the light bulbs are going off in their head. If you want to talk about the new economic development of the new city competition, it's been the shift away from the power of firms to the power of town. And I think especially in an era of remote work, the location of talent will be ever more important cities will and communities and suburbs and grow aries. The terms of the competition will be about competing for talent competing for workforce competing for people
Are people using Washington DC streets closed to traffic during the pandemic?
"You may have come across some closed off streets to encourage outdoor dining and social distancing during this pandemic, well now, a new report shows those street Aries are getting more foot traffic in D. C. Between April and September, activity. Unrestricted roadways in the district rose from 32%, the 52% of pre pandemic levels, according to traffic data firm in Rex. It's on unrestricted streets were about the same restricted streets, which came to promote social distancing and activities that don't require automobiles such as outdoor dining and exercise started popping up in D, C and parts of Maryland and Virginia over the summer, But there may be an unintended consequence. The report warns. That elimination and restriction of parking through traffic may keep people from outer neighborhoods from frequenting Restaurant district's another street based activities. Mats small W T. The
Are people using Washington DC streets closed to traffic during the pandemic?
"Some closed off streets in the area to promote outdoor activities and social distancing during the pandemic, and a new report shows the street Aries. They're getting more foot traffic in D. C. Between April in September, activity. Unrestricted roadways in the district rose from 32% 52% of pre pandemic levels, according to traffic data firm in Rex. Stats on Unrestricted streets were about the same restricted streets, which came to promote social distancing and activities that don't require automobiles such as outdoor dining and exercise started popping up in D, C and parts of Maryland and Virginia over the summer, But there may be an unintended consequence. The report warns. That elimination and restriction of parking through traffic may keep people from outer neighborhoods from frequenting restaurant district's and other street based activities. Mats. Small w T o P News Who's coming
Has Scott Morrison spent too much?
"Me. If you've already heard me mention this but one of my favorite quotes during the covid crosses a pdf the guardian. This is the British lift wing newspaper. Now, this was the heart of the coronavirus crisis. It would have been light much quote just as there are no atheists on a sinking ship, there are no free marketeers during a pandemic. Now, the author of that apt quote Jonathan Freedland, he was referring to the audio logical revolution within the British conservative. Party. Now, according to Freedland Boris Johnson's his have defied four decades of thatcherism small-state free-market, thinking I to spend staggering amounts of money and then subsidizing the wages of workers. Could the same thing be said about Australia's Liberal Party they're the party of Howard and Costello now embraces big-spending high deficit government interventionism. And is a permanent state of affairs poor kilis editor at large of the Australian US pipe and Judas Brit is emeritus professor of politics at Latrobe University poll judy welcome back to the show. Hristo Paul, you've written to calms about this subject in the past week, summarize your faces. Will Martha is that all parties and all governments have to respond to the times in which they find themselves on display in Australia. Now we face an extraordinary economic crisis and the response reveals the nature of Scott Morrison, his prime minister and the Mars and government. So Morrison, not responding as Liberal Party progressive or is it Liberal Party conservative? He doesn't see himself in those terms his responses pragmatic selects able and practical. He's not inhibited by former policy and audio logical icons of the Liberal Party. Say What we say is the government has abandoned the long-term syllabus aspirations. It's A. Big Spending government it's a government government intervention focused on Keynesian demand management. It does however on the Liberal Party tradition of tax cuts will see next week. So it's prepared to regulate or deregulate according to the situation according to what's required. So to sum up say that Morrison wants to be defined by results and outcomes not philosophical principle. Okay. You mentioned the tax cuts leaving that aside traditional liberal governments are about balancing the books Paul, how much an as do you think aries in the Liberal Party about in the parliament and outside about these handouts to preserve jobs and livelihoods? Are. I. Don't think there's much on these at all OPTIMA and Tom. and. A couple of reasons for this if there is to be on, he's He's will come through the down the track, but essentially what's happening here is to govern is following the Orthodoxy or what you might call the new Orthodoxy in terms of meeting the financial and economic crisis. So roller response is sort of radical. It's also conventional. The official family is working together very closely. The Treasury the Reserve Bank, what the government is doing is essentially supported by private-sector economists. It's in law and with Patrick amended by the VCD and the IMF not the cabinet is very nodded, the Prime Minister and the treasurer are working very closely together so far the results look good. I think the Overwhelming sentiment on the back benches. Support, the government strategy in the hope that this gives individual employees, the chance of actually being reelected and my will give the government the chance of being reelected. So the reinvention of Australian liberalism is on full display with this budget judith break you agree with Paul Kelly about the the audio logical significance of these changes but actually think the government had much choice in that sense I do think we can see something audio logical preferences in a couple of the policies poor mentioned the tax cuts they've chosen tax cuts over for example, committing to a permanent increase in new act now co Job Seca. They've also, for example, if we look at the way, they wanted to stimulate the housing market. They've gone for giving money to individual owners rather than, for example, embarking on a social housing project. So I think in some of the means, we can still see some of the ideological preferences of the Patty. One of the things I've wondered when I've been watching the events unfold. If Labor had won the last election was in government with the Liberals have supported the same levels of spending or would they have if you like stayed in the sort of ideological bunker bean and attacked the blow out of the deficit? I mean, it's a hypothetical. In some ways I think we've been very lucky that it's been the liberals and the coalition in government because they can sense being able to Ghana much more support. I, think than I have been able to do for the same levels of spending but isn't cameras response to the COVID crosses more consistent with other Western governments during the pandemic Judy. Yes that's what I think. I had much option but the question is if the coalition of being opposition, would they have supported a Labor government going? You've written a lot about this have many many decades about when orthodoxies or overturned. It's usually bipartisan is that you'll since if the coalition cypher argument's sake wherein opposition I would have gone along with this big spending interventionism. Look are essentially agree with what Judy's said about this I think in a sense we're. Fortunate, if you liked that the coalition's in government because it's taken all the big spending decisions. and. Lay has been prepared to go along with back. In fact, it's argued that there should be even more spending. So in that sense, we've had a broad degree of thought-out ship within the economic framework. It is hot the typical of course to tron speculate about what would have happened if alive had been in office doing this but I do think that the coalition in opposition would have been tempted to make caught a lot of criticisms and to suggest that the spending had gone too far. There's a big difference for party thing in government managing across and being an opposition. Cape with this theme of a political realignment among center right parties around the Western world. If you think about Donald Trump in two thousand sixteen, he tapped into widespread anxieties. America's rust belt. What can class constituencies? Boris Johnson showed last December, he resonated with traditional British Library voters in the Midlands and northern England. Judy. Do you think that Morrison in a wise doing the same thing here in Australia? Now, I think they're very different sorts of crises. I mean the pandemic is an external. Crisis, it's not being caused by politics in any way it's not back nationalism versus globalism or any of those things, and so I don't agree with that. I agree with what Paul was saying earlier that Morrison's shown himself to be pragmatic and quick footed in this and I think we're lucky for that. But I I don't think that this lines up with bricks and with trump's appeal to the rest spilled poor Kelly. Well I think conservatism is changing if you look at. America Britain Australia and there's not a dopey getting very significant changes into servitude. Thought. Different changes argued very strongly that there are very substantial differences between Donald Trump and Scott Morrison. I think people who argue that. Morrison is a pilot version of DONALD TRUMP MAUREEN DOWD in the New York Times by the way, but go on. I think. I think turned him mentally misunderstand the situation I. Think the change in conservatism is very dramatic in the United States. If you'd like because we've got the transition from Ronald, Reagan who a generation ago was the great conservative champion, and now we have Donald Trump, who if you lock is a populist conservative? And that transformation is simply enormous install ending content I mean trump violates all the virtues of conservatism in terms of restraint prudence disciplined respect. Regard for the political system, he thrives on division. So he likes all the traditional conservative norms, and then when looks at his policies. Well he's sabotage the global trading system. He's an arch protectionist. He's engaged in this trade war with China he's appraised dictators and suspicious about. So I guess one of the Fundamental Christians here is the extent to which trump is an aberration. And the extent to which post trump American concert is we'll have to try and create a new position cognisant of the damage that trump has done to the traditional Republican Party
Interview with Franky Wah
"Crewman, how're you doing first of all? Do you know what my I'm really really good. Things happening right now ace and downs weekend radio one this week in which I'm performing fall, which is a privileged coming on that line hopeful amongst call call some black coffee and. Full TAT silo just be amongst those names is incredible and the we've just announced at greenfields? Twenty one. And I've been announced. You know was her. Headliners. Along with every wanted, you can imagine from chess those who Pete Tong to by SAP. So it's got gotta be a critical viewing Yeah Yup definitely Gino. I don't think I'll ever get used to it. So see my name. In with all all the people that you aspire to be as big as good as i. certainly don't think I'll ever get used to it so. Good though man I think if you ever do start to get used her, that's maybe awarding side. I think. So I think so and I think that my my opinion on the always will I do genuinely believe it will stay. The same as were the finish line right from the start and not just we do this for the logo passion. So nothing should change on along the road rarely should shouldn't. Yes. No, you're absolutely right I mean I think that's a great attitude to have from the outset of it. I mean it's interesting hearing you talk about the the BBC weekend and all that because I think you know here in America that's like that's a reference. I think a lot of Americans, don't really have because we don't have an entity like BBC radio Y. Yeah Yeah especially for for what we do for dance music you know yeah and did you did you grow up listening to radio? One? Absolutely an Adams. Things have happened this year like I was. Really just locked into animal and eight. Song. I mean now, Daddy Howard EMESA. Jaren. Everyone bought. Impede Song you know he is a house music royalty isn't a you now the name goes back as far as you can kinda remember I've even got my cousin is easy. Even sent me that just this week actually. So all tape recordings of Pete Pete Tong sets I think from around ninety three, ninety goal which I'm gonNA check our on a cassette player next week I'm GonNa never really saw dig insulin see see what we daily. I mean, I was two years old then. bought you know certain things I add certain aspirations and dreams and goals when South is. This journey and A site. Initially, it was just a guess on played by somewhere addy Michael and nine this year I've been Pete, Songs Future Star and managed the anti nights always record in the world and and he's shooting of the week and. I don't know you. Now you're a producer and DJ cell. He try and comprehend you kind of call. It just doesn't sink any. He's a great feeling. Yeah. It's really really strange when people you've kind of looked up to as almost like it's almost like they're not even human, right? It's like these sort of icons and then when you sort of end up equalizing with them or getting in contact with them or even just them noticing what you're doing it is a really strange moment is is just said, no, you name and so of acknowledged aries and crazy feelin and then. I feel like for you you're probably getting to the point now where people are starting to look at you that way have you had. I wasn't gonNA say now you. Hike. Things happen now. Certain things that they say that don't even realize the saying it makes you wounded what sort of experiences that may have had over people that are in your position because i. What you so nice you. Know why? Yeah. Why would it be any different? You.
Offshore Wind Energy Increasingly Becoming Viable Option
"This NASA spinoff puts a new twist on offshore wind energy. This is innovation now bringing you stories behind the ideas that shave. When engineers working on the aries rocket ran into a snag because of disastrous vibrations, the team sprang into action creating an innovative. Solution a small device was loaded into the fuel store for the second stage rocket as the device began expanding and contracting at a specified frequency. The fluid began moving with the device instead of with the spacecraft keeping the vibrations within an acceptable range. After NASA discontinued the areas project engineers found new life for the vibration fix a team adapted the device to help stabilize tall skyscrapers and high winds or during earthquakes. Now the device is being. Once. Again, for use in maritime environments, tests are underway demonstrating the devices effectiveness at stabilizing floating platforms offshore wind farms offer steadier more reliable energy especially for coastal urban areas. But Platform Movement reduces the turbine's ability to capture the win by lessening the platforms motion in the ocean. This NASA spinoff could make offshore wind energy of competitive option
Los Angeles breweries, wineries say they should be allowed to reopen if restaurants can
"Have called on L. A county to let people grab a brew and a bite outside Laborers Guild President Laina McFarren says the state requires an onsite kitchen to open outside but will allow food trucks previously that was OK and partnering with a third party food vendor is allowed. Abel and every single county in California except Allah, McFarren says customers aren't just going to a restaurant across county lines. While many mom and pop Aries and Ella are on the brink of closing L. A county health says breweries remain on the high risk list with bars and wineries during the pandemic.
"aries" Discussed on Aries Today
"Good Morning Aries today is Monday August temp two, thousand twenty. Mercury in the Sonnen Leo Square, the Moon in Uris and Torres. This transit pits passion against practicality oftentimes leaving scorched her. This is aries today. Apar- cast original Let's begin your day. You may be ready to strike out on your own chasing new. Ambitions. But you may not feel ready to fully cut ties with things that hold you back. Except that this take time. The past is not easy to leave behind. Now, take a moment to reflect on your relationships. You could feel between fresh adventures and reliable comfort remember aries. There is an inherent risk in attempting something daring. But there's also risk in limiting yourself. Contemplate the work you do and your career. Today requires focus and discipline. Conflicting Energies could make it difficult to concentrate. Consider this the perfect opportunity to practice the discipline you've been building all year. Aries. Today is a daily podcast follow on spotify to make part of your morning routine. Interested in learning more about your sign, download the sanctuary up from the apple. APP. Or Google stores get your first reading today and follow sanctuary its sanctuary world on instagram. That's s ANC. T. U. A. R. Y. W., R., L. Deem horoscope today is a podcast original. This podcast is not affiliated with podcast network. spotify has a brand new podcast to announce the Michelle Obama podcast debuts July twenty ninth exclusively on spotify. You'll go inside the former first lady's most candid and personal conversations showing what's possible when we allow ourselves to be vulnerable open up and focus on what matters most. The former first lady will have an array of special guests find out who. Listen, free at spotify dot, com slash Michelle Obama..
July Mailbag with Jason Moser
"The. Multiple answers I'm out Southwick and I'm joined, is always by broke camp. Personal Finance expert here at the Motley Fool. Hey, BRO, well! Hello Alison. It's the July mailbag where we answer your questions and this month it's with the help of multiple analyst Jason Moser. Should you buy a house now? What is modern portfolio theory and also here Jason's thoughts on a lot of stocks all that and more on this week's episode of Molly fully answers. Jason thanks coming back. you know I mean i. told you you invite me. I'M GONNA. Be here every single time. Thanks for having me back. I mean we appreciate it because we know you're a busy man, and so we do appreciate that you carve out time for us in our little show, don't. Always always make time for those important people in my life rule number one make time for allison and Bro I love. It sounds like a good one to me. Everybody wins. All right well, I guess we should just get into it, so the first question comes from Darren I've subscribed to the full for over a year and I'm really pleased with the service. I would like to know your thoughts about my holdings in Shop Affi- I've bought several times over the last three years, and it's now over thirty five percent of my portfolio and I. Don't know if I should continue holding or trimmed down. What would you advise a good problem to have I was gonna say that exact same thing? That's a good problem have? In a very glad, you have subscribed to our services in your really pleased. That's that's what we aim to to do. We aim to please help you make money and so yeah. This is one of those situations that we will find ourselves in from time to time as investors. A nice problem to have but something you do need to address at some point because it is going to be a little bit different for everybody. In so coming from the perspective of I, also own shop, a Fi stock in it's it's a wonderful investment. It certainly is taking up a bigger. Part of my portfolio a not at thirty five percent where you are. I think for me. It really does boil down to. That sleeping at night test in other words, you need to be able to go to sleep at night without worrying about this kind of stuff, and if you feel like shop, a Fi represents too much. Of your portfolio if you feel like you're overly allocated their, then, you may need to consider pulling it back a little, but now I mean it's. It's I think it's always important. Note you know. It's a big difference between building up a position buying a position to make this size to make this type of allocation in your portfolio. It's another thing entirely to have position grow into beat into becoming that size i. mean that that is that is in a little bit of a different dynamic there, so people all the different ways, some sometimes folks will, they will just sort of looking at it from the house money, concept or you. You just sell enough shares to recoup your initial investment, and then you let the rest of it go. Some people are perfectly fine with thirty five percent. Some people are not. They want a pair back so i. do think you need to kind of figure out what helps you sleep at night I do think that shop by a great business. I think the biggest risk in only shop, if I right now is valuation, just because it's dominating, it's space, but it's not making any money yet, and it's probably going to be a little while until they do so that valuation risk is there, but ultimately yeah I think determine. Where you feel most comfortable with it, and if you feel like you need to put a little bit of that money off the table, and he thirty five percents a lot, certainly very understandable. If they've said something you need to do if you do decide to pair it back a little bit. You've made multiple purchases, so you can identify the shares to sell to manage the tax consequence if this isn't a brokerage account and not an IRA. All right next question comes from Steven. If you are forced into unemployment, you are paying federal income taxes on unemployment payments are not contributing to social security nor to Medicare. How does this affect your future calculation of social security benefits and can one contribute to the social security fund during unemployment to mitigate any adverse effects on benefits, it is a little bit adding insult to injury, but you do owe federal income taxes on your unemployment benefits, and if your state charges has a state income tax, you probably have to pay state tax on that, although there are a handful of states that exempt unemployment benefits, so that's good news. And by the way you, you could have taxes withheld from your unemployment benefits you file. This form called form w four V. if you want, they withhold ten percent, or you can do quarterly estimated payments if you wanNA avoid that big tax bill at the end of the year, but if you're strapped for cash is probably just better to get the money now worried about your taxes later Eh. Stephen notes out. You do not pay payroll taxes. Those are the things that go into social security and Medicare so. So. It could result in a lower social security benefit, however, keep in mind that social security is based on your thirty five highest earning years, so if you enter the workforce at say twenty two and you work until you're mid to late sixties. That's more than forty years where the working so hopefully. If you miss out, if this year is not so good somewhere among those other forty, five or so years, you've had thirty five really good year so that this year won't be that big of a deal. So it probably will be okay. And then to address the last question. Unfortunately, no, you cannot make voluntary contributions to social security. There is at least one academic working paper out there. That suggested that people could buy into social security by like extra credits as opposed to contributing to your 401k, but so far that has not been passed by Congress I had an ex. Question comes from Sam. I heard to stocks discussed on another full podcast. When I read articles about them, it mentions they are thinly traded. I have two questions one I'm sure my position would still be quite small so I think I'd still be able to get in and out, but are there other things I should think about when it's a thinly traded stock and question number two. Is there a certain amount of? Daily volume you like to look for when considering a stock foreign investment. What volume do you want to see to not be? Quote thinly traded stock. Yes very good question in thinly traded stock just refers to the either the amount of shares or the dollar volume of shares that would trade on any given. Market Day and so. The. Thinly traded stock. The the problem is that you may not necessarily able to buy and or sell at the prices. You necessarily think you might be able to in other words when you look at a stock's price and you're looking through the. What what's going on throughout the day on the market, you'll see that did ask spread, which is essentially the bid. Ask spread is it's what someone's willing to pay for the stock versus what someone is asking to be paid for the stock? Because you know you have a buyer and a seller on on in every transaction they're. Normally most cases, these business business bread is very tiny, the couple of pennies maybe for most stocks because they're. They're heavily traded right there. There are plenty of dollar volume. But there are a lot of smaller companies small caps in particular in in you know a micro cap, specifically that don't necessarily meet these kinds of thresholds, and so you definitely have to be aware of that now I'll go back in time just a little bit, too. When we were running the service here at the fool called million dollar portfolios Roman Romani portfolio that we help manage members, and it was never really a problem, but we did have a condition in there. We were always looking for at least ten million dollars in average. Trading volume total daily volume now understand I'm not saying the number of shares saying the amount of money so basically shares times price, but we're always looking for at least ten million dollars. That wasn't set in stone it. It was an idea for us. It wasn't ever really a problem because we had a very diversified portfolio with a number of different types of companies, but when you're looking for smaller companies, you would've just keep that in mind that did ask. Spread is is something that just because it says the stock is twenty dollars. That doesn't necessarily mean you'll pay twenty dollars if there is a a big spread there between the bid, and the ask in so I think whenever you're considering stocks that have any lighter trading volume or thinly traded stock. Just be sure to use limit orders. Limit Orders of let us stipulate the price that you are willing to pay for or that you're willing to. To accept a if you're selling a limit, order is just a really good way to protect yourself from any unwanted surprise thinly traded stocks. You might not always necessarily get them when you want them, so you might have to lead that limited are in there for a little while, but but a limit order is a great way to protect you from any unwanted surprises. Next question comes from Randall. I'm in my late thirties now, but earlier in my life. I was very very bad with my money. Collection Calls Welfare and bankruptcy or not strangers to me. I've been at the bottom then I met the love of my life, and she convinced me to turn things around ten, and a half years later and I have done a complete one eighty, I took control of our finances rebuilt my credit and started investing and listening to all you find folks all. I opened it investing account with the goal of saving and building enough a down payment on a home. I'm happy to say we've now reached that goal. I recently sold at a profit because I didn't want that. Money tied up in the market. If we are close to needing it for a house, but now that we're here, I'm not sure what to do. We currently rent a basement apartment and our neighbors general living situation are less than ideal to put it mildly. So, we're champing at the bit to jump into the housing market that being said the experts have been calling for a drop in the housing market for a while, and that was before the pandemic hit now I'm worried that if we buy right away a year or two or three from now, interest rates will spike, and we could be put in a difficult situation. I live near Toronto. Canada or the housing market is already highly inflated in relation to the rest of the country should I be worried? While Randall first of all congrats on turning your financial life around love hearing success stories like that so good job on that. So I'll start with my standard answer with the rent versus buy decision, and that is just pull up spreadsheet and compare the all in cost of renting, including what you could earn on the money that use for down payment versus the all in cost of buying including the opportunity cost of putting down payment as opposed to having invested as well as insurance and taxes and maintenance, and all that stuff and project, where you might be in five to ten years based on various scenarios on what happens to stocks, if you. Rent an invest the down payment versus what happens to? What you'd look like depending on where home prices go. Generally speaking. If mortgage rates go up, that could way down on real estate prices we did see mortgage rates. Go Up for a bit a few years ago, but the housing market did find, but you could certainly envision a scenario where rates went much much higher, making houses, much less affordable and prices would have to adjust. But I don't expect that to happen anytime soon. I think we're. GonNa have low rates for awhile, but beyond that I don't know I've given up trying to predict where interest rates are going or even paying attention to people who try to predict where interest rates are going, so who knows? That said since you live in Canada. I thought I'd check. In where rates are these days and I and I got a brief reminder that things are actually different in Canada so I did a little bit of research. And then realize I had reach out to someone who knows, I reached out to Canadian Motley fool analysts Jim Gillies, and he had some thoughts so first of all just for you non-canadians out there. It is really different so in America. We get this thirty year mortgage than we have the same payment for thirty years. It's fixed. They don't have that in Canada. What's the most common is a twenty five year? But only the first few years or fixed. And then adjusts so in that context you can understand why Randall is worried about interest rates going up because over the next depending on which alone he gets the most popular is a five year fixed, and then you basically have to go get a new loan probably. So that put that in context, a little more, but also Toronto, really is crazy expensive. Vs from the end of last year that put it as the most overvalued real estate market in the world behind Munich. As Jim pointed out in our call here in the US we had our housing peak in two, thousand, six, two, thousand seven, and then we had what he called a reset, which is basically prices came down significantly candidate and have that slight downturn at home prices, but then they just kept on going up, so it really is different there, so when Jim explain all this to me, the difference in mortgages and the difference in home prices. Frankly he was inclined to say to this guy. You Might WanNa rent for while more and see what happens, but he also had the good advice of okay. What if you buy in prices? Come Down Fifteen percent twenty percent. What if they come down to a point where he upside down? You owe more than the home is worth. Are you okay with that? If. You're okay with that. Maybe it's okay to do that. But it certainly sounds like dicey situation than if someone were telling me like I'm thinking of do this in Dubuque Iowa or something like that. couple of other differences. In case you're curious about Canada in the US. Your mortgage is portable in Canada south. You Buy A. Get the five year mortgage, but then move get to take the mortgage with you for the next house and interest is not tax deductible. US Look at you, Robert, broke? Camp Can Canadian real estate experts there you go. Next! Question comes from Chris. I was on twitter the other day and saw that one of your contributors Brian Feroldi tweeted that he doesn't believe in a long list of technical trading terms and then modern portfolio theory. Can you help me understand what not believing an MP? T with mean this? He believed that diversification doesn't reduce risk. Also every financial adviser I've ever talked to his preached empty, so I would love to hear the counterargument. Jason you're not Brian for all the. Question I am not Brian for all the do get the talk of Brian Pretty good bit though. I I must admit I. Don't know what he said here in regard to modern portfolio theory and all of these technical trading arms. But I think I can take a guess. Generally speaking I agree with them, and I think you could sit there and look up the portfolio theory in you know read about it as much as you want. Just go to google modern portfolio theory, and you can dig right in there, but in a nutshell ultimately, what modern portfolio theory is the intention behind it? It's meant to reduce risk while maximizing returns. It assumes that investors don't like risk. They prefer less risky portfolios to riskier ones in order to achieve a certain level of return so right there. I kind of kind of lost me right there because I don't believe that every ever investors risk averse I think some investors have a very. Healthy, appetite for risk, and frankly I would say I got a pretty high tolerance for risk when it comes to investing, made it just because of what I do for a living but I. You know to me I like having that trade off least unhappy. Happy to take some risks there. If I feel like that upside, it's going to be potentially worth. So with modern portfolio theory, it introduces a lot of fancy math in the form of variances and correlations in order to come up with this. Quantifiable, investing strategy that ultimately helps reduce risk while allowing the investor to achieve. Certain returns in. Maybe it works for some not I'm not dismissing it personally I. Don't use it, I don't personally subscribe to it I. Don't need it. I think honestly for us. In a really believe it's extends to to most people in our full universe is that is individual investors I think a more meaningful way to reduce risk. is to just extend your timeline like invest longer. So like Tom Gardner said a number of years back when we were. Working on Motley, fool one basically take your take the time line that you think you want to own any individual stocks you buy shares of starbucks and I plan on owning it for you know five years. Okay, we'll just double it. Cloning it for ten in all of a sudden right there. You've given yourself more time. Time is one of the big advantages we have is individual investors. Money managers don't have that advantage, Wall Street done generally handed abandoned, either, but if you can be patient and just invest in good businesses. That risk really starts to come down over time. There are plenty of studies out there. That show that risk comes down the longer you hold onto those stocks, which into me, just renders modern portfolio, theory, more or less not useful mean on things, not useful for everybody, but it's not useful for me and based on Chris. Question It sounds like a agree with what Brian was saying there. We think I'll add to. That is I agree that risk is really not that much of a consideration if you are saving for retirement. But once you are in retirement man, and just say like you know what the market's not I'm going to extend my time highs in ten years. Because you need to spend money in that situation, I think diversification is important. It's important to have assets that don't always move the same direction at the same time. For some fools. That's just as simple as keeping any money need the next five years in cash, so you're right out any ups and downs, and that can be fine. But I. do think it makes sense to have. A mix of investment so that right now, technology stocks are doing very well, and we hope that continues to do well, but we remember was that happened in two thousand from two thousand to two, and there were down for quite a while anyone who retired in one, thousand, nine, hundred nine, or so it was very happy to have some small caps value maybe a. A little international, some reits to ride out the storm Yeah I think we talk about that often like recognizing where you are as an investor in life, are you in the grow your wealth stage, or are you in the protector stage, because they are two very different strategies, and we're all hopefully going to be in both of them at one point or another right? I personally and still on the grow your wealth stage I. Think we all probably are, but you will at some point get to where you need to focus on protecting the wealth that you've made so that you can then have that money to spend, and that definitely will dictate your investment strategy things that you're invested in and whatnot. Generally speaking I do like the idea for people who are just risk averse and have this notion that investing is just too risky. I mean the fact of the matter is not investing as far away greater risk like not investing. You will never grow your money if you don't the best, so if if if risk is a problem, I think generally speaking. Along the lines of diversification idea that that bros. talking about him, he just invest in invest in SNP index fund is something that just follows the progress and p. you know you're going to be participating in and if you look at that over the over the stretch of time, their five ten twenty thirty years, I mean that trend does go one way. It, but clearly the older you get, the more you need to start focusing on protecting your wealth, and that will change the way you view things. Right next question comes from Alex from Alexandria if I buy Muny bonds from another state in my IRA. Is it still taxable and Alexander with who we have a bond on and we do have a bunch. I know Alex up super excited about having a bunch on in Alexandria to I can't believe I haven't been there. It's like two miles from my house, but we still haven't been oh i. know because there's a global pandemic going on and we. saw. Alyx if we buy me bonds from another state in my IRA is still taxable. Bro, help him out or her or so Muny Barnes. People Invest Immunity bonds because they're free of federal taxes and in many cases. If you're buying bonds issued by the place you live, they might be free of state and local taxes, so that can be doubly triply tax free. That's why people buy 'em. There are some times, however that if you own immune, abound outside of an IRA. Pay Taxes and this surprises some people. There's something called the minimum tax. If you buy immunity bond at a discount, and then it matures at par. If you buy a distress, Muny bond for like you put an eight thousand dollars, and you sell it later for ten thousand dollars as a capital gain. You'll be taxed on that. So, there are some times when you would pay taxes on media. Now, Alex is asking what if it's an IRA? Do I have to worry about paying tax interest. If it comes from another state and the answer is no, you won't have to worry about that. The only thing I would say is. Generally speaking immune bond already has built in tax advantages, so you wouldn't keep it in an IRA, unless there's the example of the stuff I was saying previously like for. It's one of those exceptions when him UNIBOND would result in taxes than you might WanNa keep it an IRA, but generally speaking. If you're going to buy Muny Bond, keep it out of an IRA. Next question comes from Boone. I just did my first. Roth conversion and looked at that old account for the first time in. There was the expected dividend producing fund I remembered, but there was a stock chesapeake energy that I had completely forgotten about since I purchased the stock in two thousand, six fifteen. It's down way down like eight point five percent off the purchase price. What should I do with it now? It's in a tax deferred accounts so I. Don't think the loss is realized until I. Start to pull money out of the account and that might not. Not Be for fifteen years current value of all my shares will be about one percent of the value of the account after the conversion. Do I sell in the very little value? I had left and depend on E. Trade to keep up with lost for me or should I hold on based on the slim chance. The stock will be worth more in the next ten years. Oil Stocks do act unusually on occasion, only oil stocks. Stock everything else makes that usually. Chesapeake has been really. Interesting Story to follow and frankly. I don't I. Don't know that I would look at it today. As a business that I'd WANNA own so typically if I. You know I think it was yet idea. Didn't sound like a position are actively building united investment didn't work out. I mean that that happens to all of us. We don't get them all right. We have a philosophy here at the full. A lot of do we like to? Water flowers and pull the weeds, and that's just a nice way of saying. Add to our winners in to get rid of losers in. This I think is more than likely slated to continue being a loser I mean. Chesapeake has lost a lot of value. In it does sound like based on when you purchased this, these is absolutely busted I mean. There there are all sorts of reasons to sell one of them is if you thesis busted and the reason why you invest in the company is is no longer the case, and I would he probably is the case with Chesapeake so to me like you know, you could sit there and let it go, but but what's the goal trying to get back to even, or are you trying to get back a couple of bucks for me a lot of times? I'll I'll take a little opportunity here and there to just go ahead and pull those weeds sell it. Be Done with it. In even though it's just unique out a little bit value there, you can still take that money and do something more productive with it. So. Yeah T to me. I can't tell you to buy or sell obviously, but I can certainly understand. Selling in this case, but I you know. As as oil and natural gas energy can can turn around. This is going to be one that has a lot of headwinds in in. You might be waiting a very long time to to get any of this money back. I point out here that I it seems that maybe boone has a slight misunderstanding of how taxes in aries work because he talked about realizing the loss when he takes the money out and trade keeping track of the loss for him, it sounds to me that he thinks that he can write the loss off whence he takes the money out. That may not be the case, but just to be clear. One of the great benefits of an IRA is you don't pay taxes on the gains, interest and dividends from year to year. But. One of the drawbacks is. You can't take a capital loss on that as well so there's really no no way to benefit on your tax return from this loss. Next question comes from Benjamin. You recommend seeing a fee. Only financial adviser for check in every so often I know there is the Garrett planning network and others to help find an advisor. But what questions do you ask? And what answers do you listen for when trying to find one that is worth his or her one hundred fifty to two hundred fifty per hour. So I would say start first with asking yourself some questions. What are you looking for? You could go for the whole launch. Lada where someone is managing your money analyzing retirement plan helping new save and a five twenty nine. Maybe even doing your taxes with some financial planners do help with the state planning, or are you looking for something more targeted? You just want advice about am I saving enough for retirement, or are you close to retirement? You're like I just WanNa make sure that I'm doing right when terms like choosing my Medicare plan and claiming social security at the right time, so first of all just be very clear of what you're looking for. Then if it involves investments in any way, you WanNa, make sure that you find someone who is at least in the general same area philosophically and I say this, because many financial planners are hardcore index. And if you come to them as a motley fool, listener member with a lot of individual stocks. They may say okay. I'll give you some general asset allocation guidance, or they'll say I don't care if you like to pick. Stocks are not my advises, sell the stocks and go to index funds, so you want to make sure that if you're gonNA, ask for any sort of investment. Advice that you wanna find someone who's someone somewhat at least aligned for what you're looking for. Once, you've got that then. Just asked some of the typical stuff. You might expect so credentials certified financial planner. Are they a CPA either their personal financial specialist. How long they've been in the business. There are lots of people who. have not been in the business very long. Even though they're not young people, a lot of people choose financial planning as a second career, which I think is great, but just because someone may be look like they're in their forties or fifties. Sixties doesn't mean they've been in the business that long, and you WANNA. See if they've worked with someone like you right so if you have. Maybe. You have a large amount of wealth large income huge portfolio. You WanNa make sure that they have experienced with dealing with those issues, but on the flip side to if if you have, are you know middle income, decent size portfolio, but nothing too complicated. You don't WanNa. Go to someone who's used to dealing with someone who's wealthier partially because those people charge a lot more. You want to find someone who's kind of a little more lined up with what you're doing. Then make appointments with three folks. All of them will do get do free. Get acquainted means, and you're just looking for someone who you feel comfortable with. Since, you mentioned Garrett Big Fan of the Gary Planning Network and other is is not for the National Association of Personal Financial Advisers. But Garrett on their website has a how to choose an adviser section. Just Google attitude visor Garrett Planet Network has a great chapter from a dummies book that they wrote about how to choose adviser, and they have a good questionnaire that you can print out in US asking lots of good questions of financial planner. It's tough. Choosing a financial planner like my mom just went through that Bro! Is You know and she didn't really have a lot of options in Boise Idaho. Maybe two and one of them, she I never called her back, and never got back her, and the other one was just so busy just so busy, and just she just never. It's it can be rough. Finding a financial planner can be I. Think what we'll see is one of the consequences of this. Of the coronavirus pandemic. Just, like we are all used to working from home, many financial advisors and financial planners an now working from home. So in what they're doing is they're becoming licensed in more states. So, if you are more comfortable, working with someone over zoom remotely I think you don't have to stick with someone in your area. You can go beyond your locations, but you know some people don't feel comfortable that if if they're going to have someone managing their life savings, they want to be able to meet them in person. That's just a personal choice. All right next question comes from twitter. Is that right from sully what I hear? Okay? I just listened to the episode mentioning Your Weakness Two. Shopping carts and Tj, Maxx that me or you Jason. Accused me. Thoughts on the stock. If I had a war on Amazon, basket would be Costco TJ maxx Home Depot tractor supply. What would be your basket against online retail? That's funny. Well okay, listen I wouldn't have basket against online retail, because online retails where it's at. The whole idea. The whole idea behind the basket approaches to find a long term trend that you feel like the world is headed toward and so the war on cash basket, for example that was always one about people using cash war, traffic payments now with that said I get the spirit of the question some going to answer it because I do like some of these ideas. And I I would definitely include Costco in their in Home Depot's well. Home Depot gets a lot of my money. Doesn't, but they have a very loyal fan base of customers that just are happy to renew year in year out. So I love those membership models there, so costco and a Home Depot for sure you know I'm going to give a little shout at my wife Robin I. Know that she would approve of my adding target to the mixer. She hasn't been raving about targets APP and ordering on the APP the able to go to the store. Just pick it up right there I've talked with Ron Gross on more than one occasion about target and how this really has. Become a twenty first century resale right they're doing. They're doing everything online and in physical stores. What they call Alma Channel and then my fourth and I'm GONNA. Take this. You probably aren't expecting this when Alison. I'm GonNa Shock and all you. I'm ready. I'm ready Alta. We're going. Make up my I know my daughter's love. It ugly ugly Mug like this. What do I know about makeup? Tell you what. Get! A House with two daughters and a wife. That's what I know about make. There's a lot of it in an Ulta is a really really good business. They actually have a very nice diversified revenue stream. They've got the salon a`dynamic of the business which encourages people to go there they do have an online business. They have an augmented reality function there at where you can actually like. Try things on makeup to see how it looks. Mary Dillon just a phenomenal other adults of that's my fourth, their Ulta but they I appreciate the spirit of the question I like the idea I'm not saying this is the basket. I'm not tracking this basket in a not a not backing this basket, but in the spirit of the question if I had to develop. A basket, such as this one I think it'd go with those four. Yeah, I mean I guess you just have to think about what retail out there is something that you would still physically go to. Because the actual retail experience is being in the space is the experience and what you're there for? And I know I mean before Corona virus we I would go to target and just just couldn't believe how much money I had spent from walking through a few of the aisles. TJ Max is just a phenomenal business I mean what they've done through the years. Is really capitalized on the nature of the business, the advantage they have in that treasure hunt kind of nature like you go to TJ Max, maybe not necessarily looking for something, and then you end up finding a lot of things, and it can be a little bit lumping at times, but but generally speaking like management's a very good job of running that business, and they know how to exploit the advantage of experience. I think they're online game. Though I think they could probably get something going with online, and they just have not have not yet and so I. Haven't since Corona Virus for example. I haven't spent a single dollar there, but I continue to still shop at. Home Depot I. Think Yeah! We still shopping at home depot because we're doing. You know you gotta buy lumber somewhere. And I know my grandparents out in my my inlaws out in rural Virginia. They love tractor supply store, but that's not. That's not in where we live, but. Still New deck at the house there allison. I mean you, can you see? A big exposed beam behind me and some drywall work that needs to happen. Have lots of drywall work that needs to happen now though. Yeah Anyway get to that. All right next question comes from Matthew. I got married to my amazing wife nine days ago in a small Kobe nineteen wedding in our front yard after we postponed it from its original date in April all. It was definitely different, but still very special. My question is in relation to this wonderful event. My salary has been at a level that has allowed me to fund a roth. Ira I love the optionality of it, but after marrying my bad ass, wife are combined. Salaries are now over the limit that would allow me to fund the Roth. IRA does this affect occur immediately? Do I need to now open up a traditional. IRA and begin funding it or do I have until the end of the year. Matthew wants a Roth Bachelor party one last. Well Matthew I have bad news. When it comes to most things in taxes, your status and your age and things like that depends on where you are on the last day of the year, said if you're married on the last day of the year, you were considered married for the whole year. So that means if you contributed started contributing to a Roth IRA for twenty twenty. You need to call up your brokerage. Firm and re characterize that as a traditional. Now don't have any other traditional IRA, as it's very easy to do the back door, Ross which we've talked about before you can just google it or even when you call the brokerage, just say I want to do the backdoor. Roth and they'll tell you what to do. If, you have other traditional IRA as you can still do. It just becomes more complicated and you'll probably pay more taxes. So you, but you may not be totally out of luck and I should say that's only if you have a traditional IRA doesn't matter if your wife has traditional areas. One exception by the way of of what I just said. In terms of tax status and last day of the year is distributions from retirement accounts before it's age fifty nine and a half, you actually have to be age fifty nine and a half to avoid that ten percent early distribution penalty, unless some of the many exceptions that are out there exist. Right next question comes from Warren Warren Buffett. Maybe I don't know that's why I was thinking. He's asking about coq, so maybe maybe. Once James Opinion on coke. By? Or hold? Wants to now. I'd give buffet night give. Kiesel Warren of the same advice and I would say. For some I'm not buying it. Not Buying it I'm not holding it if I own it. I guess that means sell it. Even Atlanta Georgia person like you i. feel like it's almost sacrilege. I am pretty close to probably not being ever even invited back. But the facts are the facts. Okay, I mean you do have to look at the stock itself has been ain't bad stockton for the last five years. I mean I do understand why when you look at it what they do, I mean they have. Four hundred master brands, and less than fifty percent of them are the big global brands that are actually responsible for almost all of their revenue when I say almost only ninety eight percent, so it's a business. It's very reliant on on. You know a small portfolio of really successful grants. The problem is now. We've always talked about cocoa beans such a great distribution story and that's true. They've got a distribution network. It's just phenomenal, but the problem is now. They're what they're distributing is is being seen as not so good for you in so you're seeing them. Have it into to essentially pivot away from what you know brought them all of the success for all these years. Years in soda and that that's not going to change I. Mean you're always GonNa have people to drink soda? People are not to drinking as much soda going forward in the numbers of just kind of the kind of shown that through that through the quarters in the years of Coca, Cola and Pepsi Pepsi. Has the salty snacks division, which I've always been very. Impressed by I, mean I love a good Cheeto, and so I mean anytime you can throw a bag of those cheetos in my Patriot Amok GonNa, turn it their coq. Interrupting, but I think this is also very important point. You tried the Jalapeno White Cheddar crunchy cheetos. The White Shit or so. I've tried to Jalapeno ones but I've not seen the white Cheddar White Cheddar Jalapeno crunchy cheetos. Don't get the puffy. The poofy ones are not as good, but the crunchy white Cheddar Jalapeno Cheetahs. them by them. They're amazing. I have to back. Pain you. I'll get those next time. I promise I, mean Eh. One. crunchy wants the puffy ones, so that people won't you're not? You're not seeing poopie. Who using poofy Joe Copy? We'll be Coca doesn't have that dynamic of their business. They don't have that dynamic to their business, and they've suffered from that Pepsi's Pepsi's outperform coca-cola over the last several years. It's not safe. Pepsi or coke get it back. I'm sure they probably can. But what I am saying is I think there are a lot of better ideas out there, and so I wouldn't be putting new money into Coca Cola and frankly if I did own it. I probably would look at selling it and you know if you've got a beverage company, maybe own starbucks. It seems like the science coming out in support of coffee, right? It's coming and telling you that these sodas. They're gonNA. Make you fat. Coffee, it could extend your life. It could help you live longer. SMART Mexican looking this a starbucks as well is. That sounds like study from the copy roasters of America. Do! Something that Chris Hill sent me the other day. that. We sleep at night. I'm glad I've been drinking coffee as long as I have God knows what I would look like otherwise. You're a good looking man. Rick. good-looking next question comes from. A. I'm trying to save money for my kid's College. Fund while the five nine is a great option. I'm limited to investing in mutual funds, which means at best I'm going to get what the market gets assuming I do some sort of low cost index fund and I be a capital F. Fool investor have been doing much better than the market in the last three years of being a member of. Of Stock Advisor Enroll breakers, even during this pandemic mess by listening to every full podcast and following David and Tom's and yours and every one else's in the full universe. My portfolio of about one hundred stocks is up here today. Thirty percent to the market's down five percent as of day as of today weighed down by three sluggish five to nine plants that are also down five percent each. I feel like throwing away money by using the five to nine, and not being allowed to select my own great companies in which to invest. What's more, my understanding is that the five to nine does not count as an asset for the kid when applying for student aid, but the coverdale does. So I come to you with a simple question. Can I have my cake and eat it, too? What if I wanted to use the coverdell to buy individual stocks? Until the child is nearing college? At which point I then converted to a five to nine. This allows me to get better returns and avoid it being an asset for financial aid and get the favorable tax benefit. So, chose this question, because first of all Dune does a good job explaining the benefits of the coverdell over the five twenty nine, you can buy individual stocks. You can buy and sell them all day long. We recommend that, but you can. Whereas with the five twenty nine, you can only make two changes to the investments a year, and it's all mutual funds. So. That's you did a good job of explaining that. I will point out with the coverdell. It's gotta low contribution limit of only two thousand dollars a year, so for some people save more for college, but they can max out to cover it out, but then put the rest in a five twenty nine. One thing that doomed does not have quite right. Is The financial aid treatment the financial aid treatment? Coverdale's and five twenty nine is identical. They're treated as assets of the parent, not the kid that is favourable from a financial aid perspective. It's not negligible doesn't mean it doesn't have any effect on financial aid, but it's better than an asset that is owned. By the kid. He can. Transfer money from the Coverdell to the five twenty nine. If for some reason, he decides to do that, but you can't transfer it. The other way around so were convinced to try out the covered. You have money in a five twenty nine. You can't move it from the five twenty nine. To the coverdale. What other interesting thing that he pointed out is that he is doing very well with his investments, and he owns about one hundred stocks. We get this question a lot. Either on the show, or on the full live that we run every day for members of full services, and that is how many stocks should I own, and if I owned too many are not just owning index fund watering down my returns, but here's an example if someone owns a one hundred stocks is still crushing the market. Idol last question comes from Cameron thoughts on the valuation of Stone Co in light of the corona virus for a fragile country like Brazil. This could be the tipping point after so many other headwinds. But how does that affect stone? coz Business Jason I. Don't even know what Stone Co is. What is still business? Yes, don't Coz a payments company that's focused on Latin American markets in Brazil and particular in so I guess it could be. Draw you can draw a parallel to to a with square through pay pal at, but generally speaking I mean it's payments. Company focused on Latin America. Primarily Brazil. Is the big money making market kind of like Marco Libra, they're. In I, I, it's a it's. A NEAT opportunity, gained a lot of headline recently, when and it was, it was seen that Berkshire hathaway. Warren Buffett's company Berkshire hathaway taken a five percent position in the company, which is pretty considerable i. Think in the near term. You have to acknowledge the fact that. They're gonNA, be some real headwinds in in Brazil particularly because of the pandemic I mean. The flip side of that is role in same boat kind of in that regard. The entire world is dealing with it, so it's not specifically you know it's. It's not particular to one economy or one country some. To get hit harder than others I, do feel like Brazil. Be at a place where they can recover from this given You know some of the other businesses in the area. I mean that that that I think is. Who knows ultimately how? That's GONNA shake, but generally speaking. I think the move away from cash towards cashless. Transactions in and financial software that's not stopping if anything, this hastens that which which is what I think, Cameron's talking about there and for a company like stone. Co, neither are other companies in the space pags bureau in roquetas libra to but you know moving money around is a big big market opportunity, and there's nothing that says they won't be able to expand well beyond the Latin American markets, too, so I I'd say cautiously optimistic I mean I
"aries" Discussed on Aries Today
"Good, morning, Aries today's Wednesday June twenty, fourth two thousand twenty. Venus prepares to station. Act Ending her long retrograde. Neptune, and Mars and pasties sync with Pluto and Jupiter and capricorn. There's a quiet confidence to this day as the cosmos seemed to slow. This is aries today. Apart cast original. Today's episode of Horoscope. Today is brought to you by Philadelphia cream cheese. You don't need a horse. Go to tell you that Philadelphia cream cheese is the schmear that's perfect for spreading on your morning. Bake all. Made with only the freshest milk and cream Philadelphia has been doing this since eighteen seventy to. Philadelphia schmear perfection. Let's begin your day. Now is the time to work behind the scenes. Quietly getting ahead, keep plans to yourself over the next few weeks. Make progress without making a fuss. Now take a moment to reflect on your relationships. Take, stock of the lessons learned over the past six weeks. The way you communicate with friends and neighbors likely of all. These positive changes are yours to keep. Set intention to approach all conversations with empathy. Contemplate your path to personal growth. As an aries, you may feel judged for being impulsive and argumentative. It Paints. She was one dimensional denying your complexity. Remember. Your son sign merely illuminates challenges. You control whether they're overcome. Shakespeare once wrote. The fault is not in our stars,.
Victoria Chang: Obit (Part One)
"I rent her for the first time. After I read a review of her new book in The Los Angeles Review of books the book is called Albeit. It's published by the Wonderful Poetry Press Copper Canyon and I have been living in the wake of my parents death for some time and been living in an amalgam of grief and sorrow and memory loss and this book obe. It is remarkable book about the death of the poets parents written in the form of orbits of obituaries brief obits eventually as the book proceeds golfed is lost is language dies. The death of the parent is the death of much of what we value in life. If we allow ourselves to feel it now as I understand it this book had a burst of Creation. That led to your writing poem after poem after poem. What was that like? It was exhausting actually but necessary My mom died in in August of Twenty fifteen and it was so incredibly depressing in so many ways and the typical things that happen to people. You know you just feel so so bad worse than you've ever felt and could imagine that you could ever feel and I've always written as a way to sort of navigate the world but I didn't want to write traditional allergies for all sorts of reasons and so I just read a lot in those may be six to eight months when I wasn't writing anything in I read a lot of nonfiction. Actually so books about grief. Joan diddy in Meghan. O'rourke really wonderful writers. I I read them all and Sometime in maybe February or March I was sitting in a car and listening to NPR and Heard a piece on a documentary called obits in the documentary is all about obituary writers. And so there's just something about the way that that word just hung in my ears with that long and short t- that I went home in started just writing these obituaries. Pichu Aries for everything that we lose when someone dies and that's sort of what happened with this process. It was two weeks I hardly slept. Hardly ate ice just sort of kept on going and it was this really Cathartic Less Azeri process for my own grieving. Had that ever happened to you before a period of inspiration. That didn't let up. Yeah I after I had my children. I just didn't have any time left for any so I'm sure lots of people of your listeners can relate to that and Yes so I ended up writing. Starting maybe with my third book the boss which Mix Sweeney's did and I just you know right in pockets so any pocket that I can find if I'm feeling that I in that sort of how Britain since that book is in you know in cars in waiting for them to finish things and That kind of inspiration kind of hits me now in ways it. It never used it before. And I don't know if that's a function of just getting older or just not having time or a combination of all those things and feeling a lot more passion and deep nece and Emotions that I hadn't felt before when I was younger. This tawdry book bit by my Guest Victoria. Jiang was that rare thing for poetry books. It was useful. It was giving me instruction on because among the obituaries there are several that Vittoria rights for herself. The self who knew her parents who lived with her parents. You become aware really. That part of your grief is for the person you knew before who took it. As a matter of course that your parents might be elderly. They might be ill but they were always there and suddenly a language that you're used to speaking that you don't really necessarily regard is particularly consulting. That language is gone and you need. It's consolation anyone. Who's how'd anyone died? Hardly feels all of these things But I had never experienced that before and you know my father is actually still alive but he died twelve years ago in my mind because he lost all of his ability to communicate to me in ways that we used to talk In my mother you know used to have a very sort of our own language in many ways and it sounds so cliche but every single person I feel like we know where we need and we know well. We have our own special way of communicating with that person and special looks. You know little little ways of not saying things or just words that only use with each other and when they die. You don't really think about this when they're alive because you take them for granted but they take it all away with them.
Medical Astrology in Practice with Kira Sutherland
"Hey there everybody Ceja Popham here founder of the School of Evolutionary herbalism in your host. Here on the plant pass and I know it's been quite some time since I've published a new piece of material here on the podcast and I'm really excited about what we've got in store for you here in this episode. I've got curious Sutherland. On the line here with me and in this episode we are going to be discussing with you. Some of the ways in which medical astrology can be incorporated into your healing practice whether you're an herbalist or a natural path or any form of holistic practitioner cure is just an incredible wealth of knowledge and understanding in clinical experience in. How medical astrology works Shira is natural path. A homeopath an herbalist a nutritionist. And we we met actually a number of years ago at the Renaissance Medicine. Conference put on by My medical astrology teacher Judith Hill and it was just myself and Kira and Judith and Matthew would there in Portland Oregon Teaching about these old old approaches to to healing grew using astrology and natural medicine. So I'm super stoked to have you on the podcast here cure. Thanks so much for joining US excited to be here. Thanks for having me. Yeah so let's start off by just sharing a little bit about Your coach to healing how you work with people. I mean you've got a really unique. Lots of different areas coming together in your approach from the herbs and the naturopathy. He end the medical astrology. And I'm just curious if you could share a little bit about your story and how and especially how the medical astrology piece came into play in your approach to holistic healing awesome. I'm I oh my gosh where do I start? I'm actually American borne in San Francisco but I my whole adult life has been in Australia. If you're my accent go in and out So I grew up in the seventies San Francisco so I was around a lot of alternatives. things thinking one of my mom's my mom's a scientist but her one of her best friends was an astrologer who comes to feed me stocks. That was always kind of in my in my cells or in my awareness but when I studied naturopathy in my early twenties in Australia so just to clarify to naturopathy in. Australia is an Undergrad Bachelor's degree. And then you go on a new upper stop some different style of naturopathy to North American one. But as I was studying naturopathy I got really frustrated that you know they have all these beautiful things know you talk about a lot in your book about the vital force and all the energetics but I got really frustrated. There was no system to put things through because my brain works really systematically and everyone was finishing off studying ir Veda or traditional Chinese medicine and I was like this isn't this doesn't make sense to me. That were natural. Medicine has been so long. Where's our system because we must have one and I was. Yeah and I was. I started looking for a system to things through and then if you go into the history of medicine as well as I luckily started studying astrology formerly at the same time I finally came across medical astrology with all the elements and the humor's and I was like. Oh here's our system. We just threw it out three hundred years ago in medicine and nobody knows about it anymore so for me. Medical astrology really was like. It's like icing on a cupcake of what I was doing as a clinician because it it gave me that whole system put things drouin understand people better and so I didn't. I mean I have studied a bit of. Tci A year of Ir Beta now as well. But it's for me. Medical Astrology was just as beautiful system to overlay on the herbs the nutrition. Yeah that's really how it came about for me Nice. Yeah I love how you said that in the way that and this is the thing that I discovered and founded my own experience to being best year was you know there's all this you know clinical evidence and studies in science and then and then it's like. Oh but if you want kind of more energetic perspective or everyone looks to the east you know to Chinese medicine or Veda or the other systems and it was like. Where's our Western traditional model? You know and I always felt that too. Like how heaters all these little pieces in bits and bobs. But where did they all fit together? And I think it's interesting how you know. He is always seen as like. Oh Lake pop astrology. Look it up in your Sunday Pierre. And it's Kinda hot hot funny funny but I think people really realize how central it was to to the practice of Medicine Right. It was. It was completely there too. Wet Three Hundred Renard. Two years ago an and it makes so much sense especially the energetics of the elements and I mean I know you go into that law in what you teach as well but yeah because the West we had it just as well as the eastern for me It just yeah. It really was that last little piece to really put it all together and it's by no means we call it whether hop astrologer you know. All the alternative stuff gets called wou-wou down here in Australia. Had Yeah it's just it for me. It's such a core part of when I look at a client even if a client. No-one using medical astrology gives me so much inside even if I just have their birthday around what systems I really need to look at for being the underlying cause of what's happening with them. It's just for me. It's that blueprints or road map with much. Better directions to the person. So for for maybe. Maybe there's some listeners. Out there that like the concept of medical astrology is like wait wet. Maybe just give a brief lake snapshot of like like how. How exactly does astrology apply to our body and our health and healing like how? How does that work? I guess in a in a kind of big picture overview Sherbourne here so you know if we go back in history Which I'm not a great history teacher but anyway all the way back to kind of Egyptian Times or even earlier. We have a hieroglyphics and drawings of what they called. Astro Manner Zodiac Nan. And it was. It was an overlay of the astrological signs. The twelve signs over the human body so in astrology we start with aries and we finished with Pisces. And so if you take those trump signs in overlapping on the Human Body. Aries is the head. Tourists is the neck and it works. Its way down to high-seas feature good each of the signs and the planet associated with each of the sides has rulership of a bunch of different body parts organs and functions. So we look at. Somebody's you know. Even if you only know your sunshine because of your birthday we look to that sign for your if you use it a loss and maybe overuse it so there could be a bit of a depletion or a lack of vitality going on in that area of the body or if if we know a whole astrology chart every planet with sitting somewhere when you were born and so if we can actually pull up the circle wheel of a of an astrology charts you can look where all your planets were gives you an even bigger or blueprints as to what's going on with your body physically
Consoles: The Dreamcast's Life After Death
"It's Timber Ninth. Nineteen Ninety nine nine nine ninety nine and somewhere in Japan. A spy has made her way. Deep into a mainframe. Computer she hacks. In and disables. A security guard investigates she knocks him out with a well-placed kick with the computer system. It comes to life. Everything goes a strange swirling pattern. Pops up on the monitors. It's obvious that the system is thinking the spy folks. The thicky computers out to stop her. It tries to lock her inside the building. The spy smashes through a window but not before she grabs a case and lungs off with inside that case a prototype for a new kind of machine that could change. Everything describing was a television commercial called apocalypse. It was promoting the newest video game console from Game Company. Sega and no ordinary console either. This revolutionary device was called the dreamcast in that apocalypse ad. What's inside the case? This is stealing. Is that very consul? Well then the dreamcast Box it sort of spins off of the back of the thief and lands in the street and the the the lid of this magic case kept the box plug. In the whole time POPs open camera's zooms into the dreamcast and into the window and goes down to the bottom where it appears that all the characters from all the Games are all gathered and there we have sonic down there and he he triumphantly says we got in the whole place rupp's and everybody's screaming. That's Brian and Pacino. The creative director of the apocalypse ad campaign and the Sauna keys referring to is sonic the Hedgehog Sega's famous game character in the nineties. Seca was one of the most recognized video game companies in the world. The by the end of that decade the competition was proving to be fierce so up at the House on dreamcast. It would be the company's Savior. The apocalypse ad was described as the most epic video game commercial ever created. But how else to show off the most advanced game console ever made so smart. You could almost say it really was thinking. Alas the dreamcast did not change world. It barely made a dent. It's considered by some to be the greatest console that never stood a chance. It was the last console Sega would build and had very nearly broke the company in our penultimate episode of the season a season all about hardware. That changed the course of development. We look at the short lived history of the Sega dreamcast yet. Despite the short shelf-life dreamcast is still considered by many to be one of if not the finest gaming consoles of all time and twenty years after its death it manages to live on in a very real way. I'm throwing at Barak and this command line. Heroes and the littoral podcast from hat like thinking computer in the apocalypse ad that whisper thanking became the company's new tagline for their new console. So the thought of having our our veal always whisper. It's thinking we thought that would be a really neat way to to sort of evolve that icon sake scream. Here was a console that got smarter as he played. At least. That was the marketing Pinch Console. That brought something new something big something live. Aleutian aries to the home video game market. A system built to serve the hardcore Gamer and inside the company. The thinking was that this console would make Sega. The biggest name in video gaming fish was going to change gaming. This was going to change the world so what happened to figure that out. We need to go back all the way back to level one throughout the early nineties. Sega had a reputation for making gains. There were super cool and more mature than what the competition offered particularly intendo. And it's princess saving plumbers. They built this reputation with a very successful console Sega Genesis. Sega decided they were going to be really cutting edge. And these kids who had had the Nintendo's that will now they're teenagers and they want they want real sports games with real teams. They want bloody fighting games like mortal Kombat which came later on and they wanted a more mature it. Your face sort of system. Alex Handy is the founder and director of the Museum of Art and Digital Entertainment in Oakland. California he also works for Red Hat if you go back and look at ads from video game magazines in this period. They're kind of shocking their ads. Where there's like a bloody severed arm with gristle coming off of it and it says this is your best weapon against the Bad Guy Light. So Sega does really really well with this extreme in your face. Sort of successive genesis will sonic the hedgehog sort of impertinence as opposed to Mario's oshkosh b`Gosh overalls kind of happy theme. More than thirty million. People bought the SEGA GENESIS. A sixteen bit console that played games from cartridges. Gamers around the world loved it but over time sake struggles to grow as user base after Genesis. They introduced a thirty two bit. Sega Saturn more powerful than genesis. It display both two D and Basic Three D. Graphics but the Saturn Platform never really took off sales struggled. They managed to sell nine point. Two million consoles only a third of what the genesis sold another sticking point developers found a challenging to program games for Saturn's proprietary in house designed hardware. This was an issue. Sega made note of for the future. Add to that the launch of nintendo sixty four and then Sony's first entry into the market with the playstation and gaming was suddenly getting crowded and very competitive in one thousand nine hundred eight. Sega posted a loss of two hundred seventy million dollars. North American headquarters video game. Boss Bernie store announces that quote. The Saturn is not our future. He kills the console with that. Sega turns its focus to building the next generation of council level to building the dream. The Sega Saturn had hurt the company's brand and bottom line if sega was going to reclaim its market share and reputation. This next console needed to be powerful easy to co for and unlike anything else
"aries" Discussed on Aries Today
"Good Morning Aries. Today is Friday march. Twenty Two thousand twenty. The Sun enters your sign. Happy Birthday seize areas with your birthday comes. The advent of a new astrological year late last night Sun Aligned with our celestial equator marking the Spring Equinox. The lessons of the past were harvested. The mistakes swept away. Now we step into the world reborn ready for any challenge. This is aries today. A podcast. Original let's begin. Your Day airy season is often said to begin. March twenty first. But your season follows the spring equinox which fluctuates each year. Those born between March seventeenth and twenty-third along to the cusp of rebirth. You embody the best of both Pisces. And Aries an ambitious dreamer as imaginative as. You are impulsive you. Aries costs are an empathetic leader and courageous. Pioneer now take a moment to reflect on your relationships if you're a pisces. Aries cusp traditional compatibility. Advice may never seemed to fully fit all of your water and fire. Energy creates a lot of steam. You need a partner who can handle this heat. Find someone who can match wits while allowing you the freedom you need to explore. Make sure they know how to Stoke Your Fire and let your passion burn. Contemplate your path to personal growth. Set an intention for the month ahead. The next thirty days can be spent relishing. Everything you love about yourself. Consider ways you'd like to grow and list the things you wouldn't change for the world this is your month of renewal to spend however you choose areas. Today is a daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary up from the apple APP store or Google play for personalized birth chart reading and follow sanctuary at sanctuary world on instagram. That's s ANC T. U. A. R. Y. W. R. L. D. Horoscope. Today is a podcast original..
Non-Animal Origin cell culture supplements and manufacturing aids for biologics manufacturing
"I wanted to start today by asking if you could give us. A definition of non animal origin. Is there an industry wide understanding the term? I would love to give you a definition for animal origin or industry-wide definition off for animal origin. Free or known anyone origin unfortunately there is no industry wide definition and there is no useful or clear definition provided by the regulators typically provide you a definition for animal origin but not for non any minority with that in mind what are the distinctions between primary secondary and tertiary levels for Armando origin so the the temps primarily they're attached level non anymore origin or animal origin. Tree these terms are used to what people try to distinguish how far away they believe. The actual origin is for instance primary non. Anyone origin will mean is something which is not directly derived from animal. Secondary on animal origin would be used when you want to say okay. Here's something for instance. Last Produce Feminization and feminization media did not contain any animal arch material for instance recumbent insulin produced by bacteria. And if I may use the recombinant insulin as an example for tets sherry animal or if that could be used when you want to say okay he is pro insulin which needs became instantly and by an enzyme and this enzyme that I'm using. He's a anymore origin and be Also is not coming out of temptation. Which had an arched material in these times are not Foley defined? So if you read about these terms you want to make sure that you really understand what the author or the user actually wants to tell you. Thank you for that. That's helpful as a basis for discussion. I was hoping you could also clarify advice for for listeners. Why is animal origins? Should be concerned in the cell culture. Realm let me start with. Why animal origin a concern animal? Origin IS CONCERNED. Tubular. Typically from sound are adventitious agents coming with that any material. Dr However other concerns for instance dicap- Religious concerns allow kosher concerns around the origin. That could be lifestyle concerns shifting but we can waive LS cheese our topic. However these could also allergies. Are ause topic for France's planter. I've proteins but they major issue are adventitious agents which could be so Nautica so they could cross the species barrier from the animal to the human to the patient and cause disease that patient These competitions agents might viruses for instance SARS rabies virus that? I'm known to cross the species barrier or a protein based agents like the the priority causing tse pse other concerns are related to the supply situation. So getting anymore origin raw material. Importing that into your country could be associated with restrictions likewise she ever media produced which contains enormity died might also be import-restricted into the country. Where your customer sitting with the got to the Cell Culture? There is an another concern. And that is these the cells the MAMMALIAN cell Kashem might be susceptible to such viruses. And if you are robbing a off you wished you're on a buyer actor unachieved conditions. You need to tightly control your by rector and a virus might have a whatsoever effect to yourself. Kasha and from that point on your cell culture would not be regarded as GNP compliant. We talked a little bit about the fact that there isn't a regular trade definition of non animal origin. But I'm hoping that you could share with us. What the regulatory view on animal origin components is the regulatory few on Non Amit components is of course that this is the preferred situation It's regulatory person you would like to avoid any more mature whenever possible or you would expect that any moment you to comply with all the patent interrelations with the gods to non anymore materials and there's a regulatory person. I feel that as much as I appreciate it. I always see cautious because I don't want to any wishful thinking and due. Diligence is always required. Aren't those non animal materials? Don't get blindfolded around the documentation. You truly want to understand why this material is known in Mauritian so keep your eyes open. Keep Your Mind. Open work with the suppliers as closely as possible to truly understand when they talking about non animal origin. Is that exactly what you want to half what you think? Non Animal origin is to avoid any begrudge. Any confusion and at the end may terms disappointment. I also feel like it was worthwhile when you're auditing Uranus to question the the animal for non GMO origin situation and to make sure that you're suppliers are in fact producing S. You wish them to that makes a Lotta sense and I wanted to switch gears a little bit here and ask you work if you could talk about which products in your portfolio or non animal origin and also how much insight you have into. The manufacturing process of the supplements might be started out as being composed of animal origin. caused in the old days. A lot of people just Sourced components from produce them from Sarah. In the meantime. I have as a new wave. The recumbent supplements which Humira he formerly Serem source erm contributed. Mansell so for instance. We asked the using feasible when Sarah more in the hemisphere we have At are commonly such as transferring or at Newman or growth factors to just a few incident on all three and also on the on the side of the manufacturing agents in the days feeding relies for instance on core sonnen tricks. In the meantime we have a complete fool of which we friend Aries greats manufacturing AIDS is something that is typically subsidized on the supplements but it's really Orissa. Supplement manufacturing process ends on the collection of this recumbent. Enzymes is labeled as said prime recumbent supplements and everything in my portfolio. It's Dunston said prime. A recumbent and any supplement
"aries" Discussed on Aries Today
"Your heart lead you to bliss. This suit is aries today. A podcast original. Let's begin your day the moon and Virgo and you're productive six house finds harmony with a Stellian. Your House of vocation. Your ambition could feel limitless as you thrive in your your work dedicating your entire self to a project. Trust that you were answering your true calling aries. Follow the joy. Now take a moment to reflect on your relationships with Mars and adventurous Sagittarius areas and Venus in your sign. Adventure is sure to find. You Flirt and have fun. Just be wary of allowing a fling to detract you. From your ambitions you've worked hard to build momentum in your work. Don't drop the ball now. Consider sitter the work you do and your career when you were deeply involved in a project. Your daily routine could feel like a distraction and and yet self care is important. Don't let your passion lead you to burn out down the road show yourself kindness. And Gentleness Aries mm-hmm areas today is a daily podcast. Follow on spotify to make it part of your morning routine if you're interested in learning more about your sign. Download the sanctuary APP from the apple APP store or on Google play and follow sanctuary at sanctuary wary world on instagram. That's S. A._N._C.. T. U. A. R. Y. W. R. L. D. Horoscope. Today is a podcast original..
Aries Daily Horoscope
"Good Morning Aries. Today is Monday January twentieth. Two Thousand Twenty and the sun moves into Aquarius. We begin a month-long cycle and the land of the socialist water bearer over the next few weeks. Your friendships will take center stage. This is areas today A podcast original. Let's begin your day. You have spent the past month with your head down focused on your work now lift your gaze and take note of the Helpers who flock talk to your side you will need the support to bring your passion project to the next level. Those who believe in you will help you go the distance Now take a moment to reflect on your relationships. Venus now moves through your Twelfth House of closure signifying an emotional matter will come full circle. Perhaps it's time to into love affair in favor of personal growth or perhaps you're shielding your heart as you work through deep seated insecurity eighty allow loved ones to support you as you do. This heavy lifting helping hands make for lighter work.
Queen orders private meeting with Prince Harry, Prince William, Prince Charles
"Queen Elizabeth hosting a meeting today with prince Harry his brother and his father to discuss Terry's desire to step back from his role as a senior member of the royal family they're scheduled to meet at the queen's estate in Norfolk Aries wife Meghan Markle return to Canada with their son