Time Yeah, okay Maybe you can do a super early stone form.  Yeah, you're fine Vanna sheep shot me PSU


All right, hey, just finished a coaching call strategy session with an agent and just heard some feedback that I want to share with you real quick on the whiteboard. Okay, so this agent said, this agent said that he was always asking about budget and price in step two of the appointment process, and he was struggling with that. So he was averaging about $50 per month per cell. So this is a way to increase premium right off the bat. He tried something and I can't share all with you because we shared a lot of different stuff and these coaching calls and stuff. People love these sessions. They spend 30, 40, 50 minutes and it's like they learned some stuff that they make an extra $60K this year. So it's huge. But what happened is he was averaging about this.  I said, when you show your three options, right, because we preach five benefits, eight trial closes, right? And when you show your three options, show them in decreasing order. Do not ask about their budget or what they can afford. Just show them what they need because that makes them think smaller. Don't do that. But when you do show them something that's $100 plus about $80 and about $60. And he did this and the first time, the first one was $115, $82 and $61, something like that. It was like 2015 and $12K. And he said he tried it. He was reluctant to try it. He tried it and the lady actually went with the biggest one. I also told him to try an upsell method of getting a little more, extracting a little more premium out of them. He was too scared to try that. He didn't try that. But he got this and over the last month, over the last one month, he has seen his average premium increase to about $75 per month just by doing this. That's $25 per month, which if you take that times 12, means he's increased $300 of annual premium per sell by implementing some of the stuff that we talked about. So what he just did is if the average premium for a final expense agent is 600 AP, he just added an extra half sell per client. So guess what? By adding some techniques and actually carrying and giving a crap and implementing some stuff and listening and learning and paying for access to learn, what he's done is let's just say he was averaging about eight sells a week, which is pretty good. That's 400 sells per year. So 400 times an extra $300, 400 sells times an extra 300 bucks of AP. Dylan, help me out. What is that an extra 120K? I think that's an extra if my math is right, I believe so. That's an extra $120,000 in his pocket. How do I make an extra 120,000 and how to increase your premium so that that happens? But if you don't think like this, guess what? You spent a lot less money and you helped people worse because the agent that sells them more coverage helped their family more because the person that sells them 20K over the person that sells them 10, which one helped their family more? The one that sold more.


Man, it is so awesome to be able to do a live demo and have it not crash. See if that continues throughout the day. We might have another demo later with this other server.  This first one we're gonna hear from is about enterprise big data and we've got from Banco Santander, which is an awesome bank that's all over the world and headquarter here in Spain. Juan Antonio de la Fuente from Potoban and Luis Enriquez from Santander group. Come on out. So hello, good morning. Welcome to Barcelona. So first of all, I'd like to thank to the organization for this great event and to let us share our experience with the community. We are going to try to give you during the next nine minutes a brief overview about what we are doing on the open stack and big data space. To put you in context, I would like to provide some insight about who we are and what we do. So as a company, our mission is try to be the best bank to our customers, our people, our shareholders and the community. And it means try to be the best place to work for our near 200,000 employees. It means providing relevant and personalized products and services to our customers, more than 121 million, providing value to our shareholders and have a strong focus on the community. We have a very strong relationship with the education institutions and the university. We operate across the globe in Europe and America, both as a Santander bank and Santander consumer finance. From the IT point of view, we have best-in-class data centers. We have TR4 data centers in four locations that allows us to provide service to 16 million of digital customers and allow us to process workloads for more than 122 million transactions in last year. We organize across different companies inside the group, the corporation, the countries, and then we have some companies that are specializing in different fields. So, for instance, ProDuban is responsible for the IT operations and the infrastructure and they are leading the cloud adoption and deployment. So now in the banking industry, we are facing hard times. It's challenging because of low margins are putting pressure on profitability. The customer are demanding more and more their expectations are higher every day. And also, we have a lot of pressure and competition from new entrants and shadow banking. So, we need to do different things and it means, and no surprise here, to do things quicker, better, and cheaper. And that's, I think, the good part for us as engineering and IT professionals that we are, if not the solution, at least a relevant part of the solution. So, technology is the key enabler to change and to do the things and to succeed in this hyper competitive environment. So, cloud, big data, APIs, mobile, those technology trends are behind our transformation, our digital journey, and all of them are powered by the cloud or by OpenStack. So, now it's time to, my colleague, Juan Antonio, to get into the big data theme. Thank you very much, Luis. We started our journey to cloud in 2014 based on four foundational principles. Automation and cloud-first applications to develop cloud-aware applications, decoupling business functions from technical services, and building APIs to automate the consumption internally and by external third parties. With a hybrid cloud approach, workloads to be ready to run in our private, but also in the public cloud. A secure multi-tenant environment is a must in our design, and we have a special focus as well in on reducing costs using commodity infrastructure. We have big data and real-time analytics on top of our cloud, creating new and innovative use cases to enable competitive differentiation through the management of data at a higher speed with more volume and with more variety of data. And using open source first, using open source frameworks and tools and giving back to the community directly or through partners to help them to improve and evolve the technologies. And we decided to run OpenStack as a technology enabling in our private cloud. First, to understand and to learn about the cloud technology, then to develop self-service capabilities to provision networking, compute and store resources on premises, and to migrate specific workloads like the big data ones to our OpenStack cloud. And we are doing this in a large deployment in eight regions across all of our corporate data centers in the globe with more than a thousand compute nodes running OpenStack in a couple of configuration hyperconvergence and with local storage resources to provide enough performance to the big data workloads running on OpenStack. There was a good engineering work to adapt our OpenStack cloud to run the big data workloads. That was an important effort from our engineering team. And we get that. Our environments were one if not the first cloud data certified environments running on OpenStack cloud. We have cloud data distribution in our big data analytics and real-time analytics scenarios. We are analyzing almost two petabytes of information in the different data lakes that we have. We use cases that goes from rich management, 360 customer intimate experience and knowledge and operational excellence. At the time, we started out big data projects. Sahara was not ready to to be integrated with cloud era. So what we have is automated the provision of the infrastructure part and the integration with the big data management tools is something that we are analyzing for the near future. And I would like also to mention that we've been recognized for our work in this area. Yesterday colleagues of us received the data science awards Spain 2016 in recognition for our big data corporate strategy. And I don't want to miss the opportunity of sharing with you some thoughts about two projects that we consider that are key in accelerating the cloud adoption. Those are neutron and probe. What we think it is in those projects, the community should give more support to develop and to drive the API integration because there are additional features that are provided by third-party third-party implementations. We are using some of them and we are happy using them. But we would like a neutron and probe take the control and the lead of the development of the API integration and not the other way around. And also I would like to remark that a special focus should be given to create production-credit capabilities to accelerate the cloud adoption like high availability, disaster recovery, advanced monitoring. So we think those three aspects would accelerate the cloud adoption. Thank you very much for your attention and thanks the summit organization for giving us the opportunity to share with you our experience. Thank you very much. Thank you. Thank you so much. So you mentioned that open source first is a big part of your strategy. I happen to think that's a good idea. So can you tell us a little bit more about that? Like why is open source critical to making your strategy work? Well, because it's something that allows us to contribute and to orient the way that we want the technology to evolve. And we can have some collaborations with third parties or directly to the community to request for some efforts and changes that drives the technology to the way we want to consume it. Great. Well, I promise you that the community here is going to help you out this week. And so welcome to your first summit. And thank you so much. Thank you very much, Mark.


the idea is to be able to drill down on the cash balance and say not only is the ending balance look pretty accurate but each of the transactions in the cash account of which there are more transactions than any other account typically due to the fact that cash is the lifeblood of the company meaning we have more transactions and more transaction types typically in the cash account than any other account on on the on the financial statements if I can verify all of these individual transactions we have because we have a double entry accounting system I'm also verifying the other side of the transaction and the other side of the transaction oftentimes is basically creating the entire income statement is built you know by by this process some companies might be building their entire books just from the cash transactions right so that means if you can verify the cash transactions you have more confident over the whole financial statement process so then the question is well how how exactly would I do that how how am I going to not just verify the ending balance in cash but verify each of the transactions that happened in cash so I can look at the timing statement of the income statement well if we look at the bank reconciliation over here or a bank statement this is a mock bank statement that we would get on a monthly basis we're not looking at the running balance from the bank but the bank statement as of a point in time that's why the bank statement is still important because it has a specific cutoff period so this is as of the end of January that we're going to be staying here and we know if we reconciled in the prior period then that's going to be our starting point and these are going to be the increases these are going to be the decreases in summary to get us to the ending amount and then of course we have the detail in our bank statement of the deposits and the withdrawals or money that's coming out of the checking account so we'll note that this number right here 61 241 85 is what is on the bank statement as of 131 the end of the month now if I go over to QuickBooks as of that same point in time notice this is a as of the end of January right here we don't have the same number we have something different here so we could say well it's pretty close it's close enough but what we would like to do is see exactly what the difference is between what is on our books and what is on the bank's books now you might say well hey if there's a difference there must have been an error that happened but that's not generally the case because in a in a normal full service bookkeeping system we will never have our balance possibly tie out exactly to what's on the bank at any given time due to the fact that we might have outstanding transactions that we haven't put in place for example it used to be that we had a lot more of these due to the fact that we used checks more often and when you write a check you have to actually write the check we know about the transaction but the check then has to be mailed the other person has to put it into the bank and the check has to clear therefore those outstanding checks are going to be part of the difference between what we know on our side and what the bank knows and with deposits you have a similar thing although deposits are clearing a lot faster they still could take like three days to clear though even if it were like an electronic transfer so if we're doing a full service accounting system we would make the deposit on our side we would know about it the quick book system or the bank doesn't know about it until it processes like three days later and at that point in time then it'll process so that means that our balances even if we did everything perfectly will be different from the the bank balance and if we can reconcile exactly what that difference is meaning I'm going to list out the checks that we know about because we entered them into our system but that the bank doesn't know about and the deposits that we know about and the bank doesn't know about I can look at my balance and see exactly what the difference is outstanding checks and deposits to get me to the bank balance and if I know exactly what the difference is not only do I have confidence about my ending balance here I also have confidence about all of the transactions because if I'm if I'm there to the penny then that means that I'm not going to have multiple transactions that add up to the difference in other words if I have a reconciliation that's off by like five dollars you might say well that's not a big deal for the cash account but that five dollar difference could have been from 20 checks and three deposits or something like that which means your income statement could be completely out of whack even those though there's only a five dollar difference on the financials for the cash but if you get it down to the penny it's very unlikely that that that you could get it exact even by by having multiple transactions that are out of balance on debits or credits or deposits and withdrawal so that's the idea that we're trying to do we're trying to reconcile to get it perfect and we should be able to do it because we're just going to tick and tie what's on our side to what's on the bank side now these days note that we have more electronic transfers these days than we had in the past so that means the timing differences are going to be less if we do electronic transfers also these days because we're more confident about the electronic transfers we might not actually record them on our side but rather wait till they clear the bank before we record them in that case we're not doing a full service accounting system we're basically just building our books from the bank and in that case if we were doing that then it would be true that our ending balance here would always tie out to what's on the bank statement we wouldn't have any outstanding items because we're not doing a full service system we're not entering our side and then checking it to the bank that's a full service accounting system where you can see it has an added layer of internal control because now two people are doing separate sets of books for the same thing we are and the bank is and then we're matching those two on the other hand if we wait till it clears the bank then really only one person is actually recording the transactions as they happen the bank and we're just taking what the bank gives us and recording it so it's still important to the to do the bank reconciliation in that case but it will be very easy because all of our transactions just came directly from the bank so if so so basically we would then do our bank feed transactions over here and as they come through on the bank transactions we'll just build our books from what what is given to us


How do we harness the full potential of science, technology and innovation to address the complex challenges of agri-food systems in Europe and Central Asia? How do we use green agricultural practices to meet growing food demands? And how can we green our future? On the 18th of October, we will be discussing these questions and much more in the special event that the FAO Regional Office for Europe and Central Asia is organizing as part of the FAO Science and Innovation Forum 2022. The special event will focus on highlighting the centrality of science and innovation and the role of youth in greening agriculture and food production for transforming agri-food systems by avoiding environmental degradation and addressing biodiversity loss, food insecurity, nutritional needs, climate change and social inequality challenges. We invite you to join our special event. We have an exciting agenda and this is the moment when we turn ideas into actions. Join us! Registration is now open.


Welcome to ToffeeTV, this is the Everton News Daily, this video is sponsored by One Football, One Football's app makes it easier to find all the later scores, stats and all that important transfer news you need to know about. When it comes to Everton, to download the One Football app, click the link in the description. Let's get into it. Henry Onyukuru says he wants to stay at Galatasaray. Obviously the player has been linked with Bayern Munich, he's been linked with Real Sociedad as well in the last couple of days but he said or he's been quoted as saying that he would like to stay at Galatasaray. He said if Everton listen to me then I will stay at Galatasaray but of course this is something which can be sorted between the two clubs. So we had a great time at Galatasaray last season, scored the winning goal that won them the league, I think he was the top goal scorer in taking as well, they're all there about anyway.  The work payment issue is still up in the air isn't it? He could still play in the African nations for Nigeria and I still think he still wouldn't have enough. It all comes down to basically last season when he got the knee injury, lost half of the season, never went to the World Cup. It's a difficult one because I think there's a talent there but at some point maybe Everton have to not even cut their losses. We bought them for £6 million and we could possibly sell them for £20 million, £20 million plus, maybe not a Galatasaray but certainly to somebody with a lot of big clubs being linked to him. So what do Everton do? Do they take the risk of them playing another season on loan, losing another season of value or do they just say, you know what, this wasn't a Marcel Brands player, this isn't a Marco Silva player, let's just take the money and reinvest it in the players we want and I imagine that's the way they'll probably look at in the summer so that lad can get on with his career and he knows where his future is. He's yet to put an Everton shirt on, hasn't he? So he's only really been a Finch farm to do some work after he got the injury at Andelic, so disappointing for the player but well, not disappointing for the player so it should be disappointing for Everton if we didn't get the player but if that's where the lad wants to be next season we'll see what happens but again as he's mentioned there it is down to Everton if someone comes in with a bid for him which is bigger than Galatasaray, that's where he'll probably end up going. The future of Matthew Pennington will likely be decided in the coming days, the players recovering from a knee injury I think, a Finch farm, seeing him in there myself a couple weeks ago doing doing the weights. He was at Ipswich, he had a good season apparently even though they got relegated he was linked with a move to Derby in January they wanted them to help spearhead their promotion fight which obviously never never totally happened with them losing to Aston Villa in the in the playoff final at Wembley on Monday and so it looks like he could return to the championship on a permanent move whether it be to whether it be with Derby, whether Leeds coming back in for him or one of the other sides fighting for promotion. He signed a three-year deal last season with Everton which was I think was just basically to secure him so that he could try and try and make something off him. I think his ever in career is over I don't think he's good enough to play in the Premier League at the moment he might be one of them that needs to go down play a little bit of football and maybe fight his way back. He doesn't quite have the pace for me to play in the Premier League at the moment and doesn't really have the experience and when you've got players coming through the ranks like you know the likes of Mason Hallgate still is yet to obviously he's been on loan he's yet to sort himself out. Morgan Feeney coming through as well Leane Gibson coming through we'll have to wait and see we'll have to wait and see but it looks like he could be going anyway and again hopefully for him his future is sorted out so we can get on with his career. Newcastle has been linked with James McCarthy today they're on the verge of a takeover by the looks of it and apparently he's been linked to them he looks like another one who will be leaving Everton this summer so Newcastle could be an ideal move for him. John Joe Kenney he's been moved linked with a move to Burnley on loan apparently according to sources Burnley quite confident getting them I think that's a brief move for John Joe Kenney if he can get along to a Premier League club and he can play there week in and week out I think that would be a brief move for him on loan. We'd get to see how good he is to be playing week in week out and yeah it would be perfect I think if he went there so let's hope that comes off we want to see if players are not playing I'd like to see them play every week and being in the Premier League so that for me playing for a manager who likes to defend who knows how to organize a defense I think that'd be a great move for him next season and we'll see how good he is and see what the future holds holds for him. Sjenk Tolson he has said he is happy at Everton he said he's got a happy family in Liverpool and he wants this to continue if you've been on social media and you follow him you will have seen that this videos of him in the gym getting fit and maybe that's what it is maybe he needs to just try and trim down a little bit not saying by any means he's carrying weight but maybe he needs to get down to like more of a more of a sprinter's kind of frame to to fit into this Everton team so do you have it. Nikola Vlasic who's obviously at CSK Moscow he has featured in the Russian team of the year in Sentiment Field funnily enough alongside Mali Fernandez ex-Everton Loni of course he got a score of 7.4 which is the joint highest in the Russian league although I did see the one of the keepers the best keeper was 6.9 so if you're a budding goalkeeper maybe Russia is the place to go so he's been in the team of the year that's come from who scored which is a very good stats-based website so yeah so will he come back will he be another one that Everton will let go or will he come back and Everton will use him this year we'll wait and see that's about it for today I'm just thinking to myself that I said Liam Gibson instead of Lewis Gibson before all you people correct me in the comments because I know you like to because yesterday I said Andrei Gomez was from Spain instead of Portugal I know he's from Portugal I just said it because I was probably thinking about Roberto Martínez going to Barcelona which apparently he is not because apparently Valverde is going to stay at Barcelona and Roberto Martínez is going to miss out on the dream move to Barcelona so there you go two corrections in one video thanks for watching make sure to give this video a big thumbs up subscribe if you haven't already and join us on Patreon for more videos like the one I'm just about to do live on Patreon where I'm going to talk about all those stories in more detail if you want some of that join us on Patreon thanks for watching I'll see you later


We both kind of grew up in agriculture just in a little bit different way. And both grew up with cattle. So they've always kind of been a part of my life as well in different aspects. But we're just kind of here today. And I serve as the county extension agent here in Polk County now. Well, I was born into this operation back in 1921. My great grandfather moved here where we're standing. In 1921 from San Juan, New Mexico. And my grandfather, he ran all his cattle out on open range. It was kind of funny when I was small. I was, say, four or five years old. My granddad gave me a cow. And my dad, they both gave me heifers. And I sold one of them. And from that one, by the time I went to college, I built to get a little herd of about 75 cows that I ran with my dad's cows. That allowed me to put, when I sold calves, put the money in the bank. And that's what I went to college on at SAU in Magnolia. And had a yearling operation. And I bought a set of yearlings, one time yearling heifers. And I told my uncle who had found the heifers for me. I said, dad will keep these heifers and make cows out of them. So we got back in the cow-calf operation at that point. And we built it up from about 115 mama cows. Today we run close to 500 mama cows. Sustainability has become such a buzz word about what's going on in agriculture. And I really didn't know how to define sustainability whenever I first started hearing the word. It's something that's been in practice on this operation forever. We're thinking beyond what's happening on just this farm. We're thinking from pasture to plate. So we're trying to be a part of the solution and not a part of the problem. So it's up to us as far as us being not only stewards of the land, but stewards of these cattle too. It's something that we take pride in that we can go out here and grow good forages and protect the water and resources that we have. And manage and raise a product that the consumers want. It's finding what works with nature and what works for us and helps us make a living. It's just part of my fiber to be here and to raise cattle and raise a product that the consumers want to like and have it on an operation that will be here long, long after I'm gone. And it just takes a lot of gut and courage a lot of times to face the challenges that we're facing right now. We want to make a living, but this operation wasn't made for this high fertilized price and this high fuel prices. And it's my goal this year at best to break even. I don't know. I think, like kind of Scott said, we're not only stewards of this land, but we try to be stewards of our environment as well. You know, we've been blessed to be able to put together an operation that brings us great joy. And we enjoy people coming and seeing our operation. And it does me good because you get in a work mode and you don't realize what God has given you. When visitors show up and tell you how pretty it is out here or how nice this is, it makes you step up and take a look and say, yeah, God, you're right. Thank you.


Everybody forced here ripping two boxes for Joshua art. He's got 2022 certified football hobby and a 21-22 mosaic road to FIFA World Cup hobby So here we go Joshua. Thanks again. We'll start with The mosaic World Cup and then move into certified football. I'll see a case in here. Let's you know. We're driver our same glass mosaic Daniel Mallon a Silver Coastal bomb gardener, you know men does rookie in there mosaic Makai Osaka and a red mosaic rookie Joe rodan For me, no montage mosaic. All right numbered parallel coming. Oh auto coming first Wow Roberto Carlos playmakers auto What an awesome hit congrats Joshua Okay You can see I That's awesome on card Roberto Carlos. That's from 2019 Panini's Pani soccer, right?  We'll get that magged a Rookie blue mosaic of Roberto Alvarado numbered 60 of 99 red mosaic Louise Abram rookie red mosaic already a great box mosaic page Silver Hugo Larry Mosaic rookie ever since that's held. Oh rookie red mosaic Luca Ivan Ivan is etch pitch masters Jimenez Mosaic Marco Verratti a red mosaic rookie Yakima Raspidori nice Raspidori a Carer on the pitch masters Mosaic name are it's a good box over Kulisev ski Louise Abram rookie purple. I think you have purple 20 of 49 two numbered parallels a great box silver Pewter Zalinsky mosaic Daniel James red mosaic yon somer Florian new house mosaic rookie Matias, Vina silver Louise Diaz And certified time after an awesome box of mosaic World Cup And guys about over an hour Q right now our so give or take a few minutes here and there Tough to say when there's so many orders Got a Ryan Tannehill 21 of 50 Golden team Lamar Jackson Bailey zappy freshman fabric 153 of 299 RPA Six zappy Joshua two great boxes here for you, man. We'll get that magged Hey Malik will this graffiti Jake Ferguson rookie one 81 of 325 Nick Chubb 124 of 149 Garrett Wilson rookie patch 65 of 99 three color Washington starts again with the puns who could have seen that coming Ikem a quote new on the rookie signatures 43 of 50 Kenneth walk of the third rookie graffiti Tannehill numbered 172 of 349 Certified stars CD lamb Cowboys number 239 of 249 Ikem a quote new rookie 117 of 399 Josh Jacob that's pretty thick Jersey card 12 out of 35 and that will do it Thank you again, Josh. Well congrats on the two great boxes. We'll get those out to you


Who is one celebrity that you'd want to play around of 18 with? Probably Adam Sandler.  That's your home! Are you too good for your home? Bill Murray. Bill Murray. Bill Murray. Yeah, there's no doubt. I would play with Bill Murray and I would dress like Bill Murray. I'm as old. I'm as old as Bill Murray probably, so yeah. Oh, there's this guy, John Daly, that drinks beer on the course. Look, I don't drink water.  MJ? Well, let's call Michael Jordan. If he hits you anywhere off the tee or near the water, we say, good shot.  It'd be fun. Tom Brady. Tom Brady even watching him on the match, big, big Brady guy, just like winners. You've got this, Tom. You've got this, Tom. Oh!


This is covering the spread. Here are your hosts, Jim Saunas and Dr. Ed Fang. What is going on everybody? Welcome on into covering the spread. That's right here on the FanDual Podcasts Network and numberfire.com. Where today we're bringing on John Sheeran because we needed someone who could wear 15,000 hats at once. And John, very capable of doing that, the director of trading a FanDual sports book. We're gonna talk NBA and NHL playoffs, the difficulties of bookmaking for changing circumstances with fans and stuff like that. And of course, John's a big horse racing guy. So we're gonna talk some Belmont at the end as well. My name is Jim Saunas. I am a senior writer and analyst for numberfire.com. Joined here as always by Dr. Ed Fang. You can find his work over at thepowerrank.com and Ed, NBA playoffs in full swing. We got changes with the Celtics, with their management all up in flames. We got the Suns Lakers series with Anthony Daviser. CP3 maybe not a full health. It's a very interesting time to be a sports fan. And I say interesting on purpose because I can't say it's fun because it's a lot of weird stuff going on. Just a lot of stuff at play right now. Yeah, there's certainly a lot of stuff at play. I've actually taken kind of an interest in the this Lakers Suns series for many reasons. Not to mention the future I have on the Lakers because of Drew Dinzik the other week. So, yeah, a lot of interesting things going on. I'll be talking about that a little bit later in covering the future. But yeah, I think some of these series are kind of easy when everyone's healthy and you're bouncing back between two evenly matched teams, going back and forth between home courts. Like, we're seeing a couple of those series in terms of Atlanta and New York and Denver and Portland and the spreads are kind of boring, right? Not so in Lakers Suns. No, it's been see something back and forth for legitimate reasons like it should be doing so. We're gonna talk to John Sheeran about setting those prices for that series, how things, where things stand right now, about the NBA playoffs in general, about home court, all that stuff. And of course, no better person to discuss than John Sheeran. The director of trading at Fangirl Sports but you can find him on Twitter at Jay Sheeran 1981. I also wanna remind you, make sure you are subscribed to covering the spread wherever you get your podcasts. We are here once every week during the football off season, back again next week, potentially later in the week. So make sure you are subscribed to get that podcast right as it goes into your feeds, Apple Podcasts, Spotify, Stitcher, Google Podcasts. No matter where you listen, you can find us there. Before we get to John though, gotta go back to the last week. We talked some hockey, we talked some NASCAR heading into last week's weekend. Covering the past. Last week, we had Dom Lusigin on to talk about the NHL playoffs. You can find him at The Athletic and on Twitter at Dom Lusigin. We talked about the avalanches Stanley cup odds.  They're now down to plus 150. So hopefully you got on when Dom talked about them last week. We also discussed some individual games that night on Wednesday. Dom was on the money line for Pittsburgh, Minnesota and Tampa Bay. And Tampa Bay and Minnesota both won, I believe via shutout. Tampa Bay was minus 145 in the money line. Minnesota was plus 19. Pittsburgh lost. But as long as you had Tampa Bay and Minnesota, still a profitable day if you decide to pull the trigger and listen to Dom there. I had NASCAR for the Coca-Cola 600. I had Matt DiBenedetto to finish top 10 at plus 225. And a William Byron outright at plus 1600. The DiBenedetto won for whatever reason just never had a chance. It was weird. He was just slow to start the race. Never was able to recover, finished 18th. So that one was weird. Byron I do feel good about though. He closed at 12 to one. So good closing value. He was fast in practice and qualifying as expected. He ran up front the entire night. He had a third place average running position which is actually even better than what he had when he won in Homestead. He just couldn't quite overcome his teammate Kyle Larson. Larson led 327 out of 400 laps. Byron did pass him briefly in the third stage but couldn't make that one stick. But if you told me that someone I bet at 16 to one would close at 12 to one and have a third place average running position, I'd be ecstatic. I'd feel very good about that. So even though it didn't hit, I feel good about the process behind that one for William Byron. Byron's number this week in Sonoma pretty short. So I won't be going back there but we'll talk more about Sonoma later on. Larson talked to John Sheeran about a bevy of topics in just one second. But first the Belmont Steaks is coming up this weekend and FanDuel Racing is helping you get in on the action. FanDuel will match your first deposit dollar for dollar up to 50 bucks when you open a new racing account. That is free money you can use to turn any race day into payday. There is no promo code needed just download the FanDuel Racing app, make your first deposit and you are off to the races. The app is super easy to use and most pads occur in a matter of minutes. Start building your bankroll today and be ready for race day on Saturday. Download the FanDuel Racing app, make your first deposit and get up to 50 bucks free on FanDuel, go to racing.fanduel.com for more details. We'll talk about the Belmont, get a pick from John Sheeran, find him on Twitter at Jay Sheeran1981. He is of course the director of training at FanDuel Sportsbook. We'll talk some NBA and NHL and of course the Belmont with John. Covering the present. Let's bring John Sheeran into covering the spread once again to talk a whole lot of different topics. We got NBA and NHL playoffs. We got some horse racing because John of course well versed in horse racing and gave us our intro to horse racing a year ago here on covering the spread. So John, busy time of year for you. How are you doing today? Very well, Jim. Yeah, it's crazy time right now not just the ongoing sports and the playoffs obviously in the NBA and the NHL but regular season MLB and trying to get ready for college and for NFL season. I believe I saw yesterday a hundred days. So 99 days from today at the start of the NFL season and it doesn't be long coming around. So busy but exciting time. 100 day thing is daunting. Hey John, is there any time that's busier or less busy for you between like now even though there's no football which is probably your biggest handle but there's obviously a lot of stuff going on in daily sports. Is there a busier or less busier time from your perspective? I mean, in theory on paper this should be our kind of getting into our quieter time when particularly once we get the pole season down to the last few games and then obviously it's just kind of trundle along with the MLB season but the way the business has been and the way the product development initiatives that we're on delivering new models for new sports that we're excited about that kind of has taken up all of the quiet time so I don't think there is any more quiet times to be honest. Yeah, that's definitely what it seems like in this day and age.  I weren't talking about the Belmont later on but like have you found time to still get your like your side hustle of some horse racing action in or have you been too busy with NBA and NHL stuff to really dive into the more recreational stuff for you with horse racing? Yeah, it's been difficult to keep across it. Obviously try and keep across the big races and particularly the three year olds as they progress through their qualifiers and get onto the triple crown managed to get to the preepness which was fun, a Pimlico and hopefully get to Belmont on Saturday. So I'm doing enough, don't feel sorry for me but it's been difficult to kind of keep my eye on the horses the way I would like to for sure. Absolutely, well, we'll talk about the Belmont here in just a bit but first do you wanna talk to you about some of the stuff for you as someone who's helping set these lines and get stuff ready because obviously there's been an evolution over the past couple of months we've had vaccine rollouts, increased fans as a result of that and that obviously plays a big dynamic especially as we had transitioned now into the post season. So I wanna ask you what that process was like and trying to keep up as a sports book as we saw capacity is increasing especially I think for basketball more so than other stuff what was it like for you trying to set lines when things were changing so much with something that does matter quite a bit? Yeah, I mean, it's funny like you say at the start of the pandemic the conversation was the other way what is the impact now of no fans and look, we're all aware of the continual trend and the drop in the value of home field or home court advantage in all pro sports we see it now with NBA with the reviews the officials, I think they just do a much better job than they've ever done before but that said, I think for me watching Nate McMillan in Madison Square Garden on the broadcast when he actually said I'm struggling to hear you I'm struggling for you guys to hear me when I'm given directions I think that was probably the point where it resonated the most that actually we probably need to start adjusting and considering the advantage and I think look, it varies by every arena we know that already and I think Madison Square Garden has been a good example of how the fans can actually help their team and obviously impact the spread as a result so it's a continual work in progress for us it's subjective as we all know particularly in this scenario when we don't really know the advantage or necessarily the amount of people that are going to be in some of the arenas and some are more noisy than others as we said so yeah, tough one to track but look, don't feel sorry for us I think the betters have the same problem pose Well, I'm curious about the how it actually went down for you with the MSG game specifically because that was the one where for me too you kind of notice the impact of the crowd do you have like a meeting with other people at Fandall Sportsbook and actually talk about okay, how do we adjust for that? What's kind of the process for you in deciding how much you want to change things? Yeah, I mean we look at the historic and the notes and the numbers that we have the hard facts that tell us exactly what we rate that home court to be worth and then there's obviously a multiplier for situations right, they hadn't won a game for eight years in the post-season, you know they're begging for blood particularly that of Trey Young so I think there's just new on situation here that means you just have to rely on the experience that as a team we all have and you know, the head NBA trader those guys have got so many years of experience so many games under their belt that we've a lot of trust in them that they'll get a good feel for it even if the number doesn't back it up and you know, that's considered in our line but like I said, it's subjective and I think it's a tough one to get everyone to agree to too Yeah, absolutely I've definitely seen some discrepancies in the home court across different series Another thing that we're dealing with in the playoffs is getting these repeat matchups, right? So you see a couple teams play team like Milwaukee is dominating what is your process for trying to adjust as a series goes on and setting these spreads? Yeah, look, it's similar, right? Cause it's pretty subjective in terms of how much of it is actually noise off a small sample size versus how much of it is actually the adjustments being made either in the game or you know, how they match up against each other coaching advantages for example as well and so it's a difficult one for us to justify and put an exact number on it but the truth of the matter is we just rely so heavily on our base core ratings that there's small adjustments that we do make and we do make them are relatively minor though when you think about the matchups and how the series is progressing you look at, you know, I think game one and two in Brooklyn was really interesting the total was better from 227 to 233 on game one obviously went massively under when both of them had a pretty poor shooting performance and then in game two the total was like 227 so it adjusted down from being bet up six points back down to the initial point and that was one that we felt pretty strongly like betting the over, you know the money that we saw, the movement and sharp play on the first total was still pretty relevant and you know, they didn't even get to 200 points so there's a sort of adjustments we're looking to make but like I said, they're pretty subjective and it can be very difficult to decipher and understand what is noise against what is actual fact For you, when you are in a situation like that where you are trying to decide the impact of you want to take from one game is your inclination to default to your priors default to that baseline you were talking about and kind of trust the numbers you have? Absolutely, I mean, otherwise, you know you just find yourself swaying from game to game so much that you really don't know where you lie and like I said, for us, the vast majority 98% of it will be relying on our core ratings trying to make the adjustments that we can for some of the situational stuff and then add the layer on top of the subjective narrative that, you know, the guys have a lot of experience and value out from that perspective Right, and there's just so much randomness in shooting I'm not sure if that exactly was the case in game one of the Brooklyn series but, you know, we know just how random especially three point shooting is so I think, you know, you do need to be cautious of like the small sample size for sure We did also want to ask you about the Sun's Laker series the Suns went up three two with a big game Lakers without Anthony Davis they're now minus 290 to knock off the Lakers Do you, so what, how do you do this price, right? Cause it's pretty interesting cause you have to guess whether Anthony Davis is going to play or not So, and I don't think anyone really knows whether that's going to happen, even him, so Yeah, a very, very difficult series and like you say in the Lute very lots of subjective views that we really don't know the answer to and I'm not sure we'll ever find the answer out how healthy is Chris Paul, you know, if AD plays how healthy is he, it's a groin we know historically that's a really difficult injury to kind of stress test without putting yourself in game position and, you know, we think that Andy Davis is pretty badly hurt and even if we see him we don't believe that he'll have a whole lot of capacity relative to his ability so, right now our rough projections with all those doubts is that we think this game could be pick them if we get to a game seven right now the probability that we're coming out with I think is 28% for the Lakers and 72% for the Suns I think our price of minus 290 is almost exactly on that so, yeah, it's just a very difficult series for us to be too bullish about because of all the unknowns that you alluded and the problem is you can't be bullish on the series you can't have a great assumption of how things will play out but you're gonna get a lot of money on it because obviously there are a lot of eyes on this series in this series specifically given the Paul injury and the Davis injury it feels like it's one that is probably going to be a lot higher pressure for you as a bookmaker to try to set the right line has it been stressful? trying to sort through all the information and make those adjustments while taking on a lot of money I'd assume for this series the entire time? Yeah, I mean, we spoke about it before, Jim we're lucky that we don't get too much pressure and noise on a daily basis I don't have to walk with my head down in the corridor when we've had a losing night and our executive team are really balanced when it comes to that and the scale of our business means that we don't need to sweat results as maybe some smaller books might have to so I wouldn't say there's added pressure obviously we're trying to set the best number we can fundamentally that's what our job is we take a lot of pride in that and I think we do a good job with it but yeah, I think this one is just one of them that you put in the edge case and you say it's just so difficult no one really knows the answer I think we lean a little bit more on the market consensus for a game like this and a series like this than we would for other games where we have more facts in front of us and I think that's the right approach I think the better is like I said are Paul's with the same problem so I don't expect anyone out there to feel too sorry for us yeah, equal footing is always nothing we can complain too much about there let's talk about NHL and talk about the Stanley Cup finals we have the Avalanche at plus 150 to win the Stanley Cup right now do you see any realistic contenders for the Avalanche and the Stanley Cup or do you think that they've got a pretty firm advantage here? like the rods implied they've got a pretty firm advantage they're obviously really good and they're obviously really fun to watch as well we just feel like I think we're about the best price in the market at plus 150 though I think our true probability is a little bit higher probably higher than I might like to admit to be honest and we're, look, in terms of the matchup in terms of these teams Colorado Avalanche are the best team in NHL I think everybody knows that the rods imply it I think Tampa Bay is a team that we really do think can put it up to the Avalanche so I think we're plus 240 there might be as big as three to one out there so we're using a lot of our over and that we're giving away on Colorado versus the market and keeping it on Tampa Bay so we think it's probably more like a two horse race there with the two of those really kind of setting the edge and I think that Tampa Bay are really the team that can only challenge Colorado but looks to be obviously Colorado in pulled position right now at least awesome and John we also want to talk about the Belmont it's a race that's being back up to 1.5 miles known for being the longer race which I kind of enjoy as a distance runner breakdown this field for us compared to you know the Kentucky Derby and the Preakness yeah look it's a difficult race to handicap from that perspective obviously back up to a mile and a half and run in its regular slot which is great for Belmont and you know we've been impressive winner coming from Pimlico with Ron Bauer from Mike McCarthy he looked like he enjoyed the trip he looks like he'll relish extra ground in the Belmont but I'm not sure about the race flow of Pimlico he's one I'm looking to oppose he's probably going to be in the five to two range and yeah he can win of course he can he was impressive the last day but I'd try and look for someone else I think Rock the World is probably an interesting horse he got badly hampered from a wide gate in the Kentucky Derby he's had the rest since didn't run in the Preakness and he looks like the obvious leader with Joel Rosario for John Sadler out in the seven hole he'll probably be about four to one I don't think we're getting a ton of value on him but I'd rather take a shot with him being maybe potentially able to wire the field and get on to an easy lead in a race where a lot of them are probably reluctant to go forward and try and conserve energy for the last so I'll take a stab with him not a race of a whole lot of confidence in though to be honest the favorite looks like he'll be the two horse essential quality he missed the Derby through injury looks a really talented horse he's back on track now for Godolph and he's the right justifiable favorite but again he's going to be too short for me so I'll just take a chance with the seven and I wanted to ask you about the rest component because obviously with the Belmont being back to where it was previously it's a pretty grueling trip to go Derby, Preakness and Belmont in such a short span do you tend to find yourself favoring horses that may have had a break at some point in there it may not be on their third high pressure race in such a short window? Yeah it's really obviously a grueling task to be set to run these three races in six weeks or so I think you know you saw the benefit of Ron Bauer not running in the Derby when he ran in the Preakness and the favorite doing the opposite winning the Derby and then obviously disappointing slightly running third in Pimlico yeah I think the answer is yes I think the other key consideration is this race is just very different the first two legs are really centered around speed and they're trained in a different way whereas this race is getting a horse to relax and switch off and being able to finish out the race strongly so probably looking for a different type of a race horse usually at Belmont outside of obviously the triple crown horses and the likes of Pharaoh and horses like that that were able to just jump out on the lead and set easy fractions they're probably faced inferior opposition if I had a horse I wouldn't fear any of the top two here particularly like you said if I'm coming off a break I'd be happy enough taking some of these on and I think rock the world with the break he didn't have the race that he probably wanted to have in the Derby and obviously missing the Preakness now having a six week rest coming here fresh and maybe able to get on the lead is probably one of the main reasons why I kind of take a chance with him Now you mentioned you'll be hopefully at the Belmont this weekend is it nice for you to kind of kick back and because obviously fandal racing is a separate arm effectively from you is it nice for you to just kind of kick back and enjoy sports where you're not you know worrying about job stuff at the same time you know what I'm pretty good at switching off I mean managed to get to I think all three of the Brooklyn games at home and I don't worry too much about you know the results in terms of how it affects our profitability but I just love horse racing I do think it's an incredible side I love the challenge of trying to handicap and I love the kind of real time feedback that you get both setting odds and wagering on it so I think it's one of the unique sports that you kind of get that real time feedback and if you were wrong or right within you know two minutes and I think that's one of the unique selling points for me and you know the spectacle that it is and the athletes both the jockeys and the animals on the course so yeah I definitely enjoy it a lot but like I said I'm pretty good at switching off and forgetting about work when I'm at a sport and event regardless of what the outcome might be for the book Yeah the two minutes sweat is much nicer than a four hour NASCAR race where you're slowly realizing how wrong you were so I will I'll take that for sure that is John Sheeran make sure you check him out on Twitter at Jay Sheeran in 1981 and make sure you check out the lines at Fandall Sportsbook as well John we appreciate as always your transparency and your time, thank you for coming on and have fun at the Belmont this week Thank you guys have a great weekend You as well appreciate it thank you Covering the Future Big thank you once again to John Sheeran for swinging by and breaking down the process behind book making throughout the NBA and NHL playoffs and also talking some horse riding getting John's thought there still got some bonus money in my TVG account so we'll have to work on that and see what we have for this weekend but Ed, John went through his thoughts in Suns Lakers and it sounds like you want to talk about that for Covering the Future as well Yeah absolutely it's just been interesting so last week I talked about home court in the NBA and in some sense this is going to be kind of a covering the past about that supposed analysis that home court should be about three points in the NBA playoffs and then just looking I just kind of got intrigued because I've been trying to figure out I don't really I didn't run an NBA model this year so I've been actually trying to use the markets to figure out well what are the markets think the spread should be so you know I mean you can kind of back out what the markets think which team is better on a neutral court which I can put into a model and calculate with the home court and calculate what should be the win probability at this point and then you can compare that to the series price at Fandle so when you're looking at the Phoenix series you know game one was at Phoenix Suns were a two and a half point favorite both teams were healthy so this might actually be the clearest picture of what these two teams are full strength game two the Lakers were actually a two point favorite and that was a huge swing because Chris Paul was hurt there might have been a little bit of an extra push towards the Lakers because they were down 1-0 in the series at that point game three Chris Paul is back everyone's essentially healthy and the Lakers were a six and a half point favorite at home they're both that was for both game three and game four Anthony Davis got hurt during the game and game four so that should not be reflected in what that market closed at obviously game five is gonna reflect the Anthony Davis injury and the Suns went up to a four and a half point favorite on their home court and then we still kind of expect Anthony Davis to be out I think and the Lakers are about a two and a half point favorite at this point at FanDuel I think there's more juice to bet the Lakers at minus two and a half right now so obviously this is the line's been all over the place because of key injuries to Chris Paul and Anthony Davis you can probably get a reasonable estimate for the teams at full strength if you look at the differences between game one and game three which were relatively healthy so if you do that you would see that the Lakers would be considered better by two points on a neutral court right and so and you can kind of use that to say well if Anthony Davis comes back Lakers should be our two points better and that would give you the Suns about 69% chance to, excuse me, a 79% chance if Davis is healthy if Davis is not healthy you can kind of look at the differences between a game five and six to figure out what they should be on a neutral court and they would suggest that Phoenix is better by about a point and so this would be about a 69% win probability so the difference, look the Lakers are definitely behind the eight ball here right so they're down three two they need to win two in a row they're not likely to win this series but the difference if Anthony Davis is around their win probability is going to jump about 10% in this series so and you know not surprisingly Fan Duel is exactly splitting this difference minus 290 for Phoenix to win is a break even probability of 74% which is exactly in the middle now if you notice like when I've been talking about this you know the difference between Suns by two and a half points and Lakers by six and a half points both on their home court is actually a difference of nine points that would imply a home court of four and a half points which is something I would have used like eight years ago in the NBA playoffs before home court has drastically decreased and honestly right now like if you look at the numbers you know without Anthony Davis in games five and six now we're looking at a difference of about seven points so the spreads are all over the place in this series that's certainly not to say the market is wrong because it's not giving me a home court of three the home court of three has the markets have like confirmed that in some of these closer series Denver, Portland and Atlanta, New York the difference has been exactly six in those spreads so yeah the series has been all over the place I think it's kind of interesting I don't really have a take as to whether Anthony Davis will play or which team I like more but I thought it was interesting to kind of look at the analytics and what the win probabilities say and based on the point spreads in the series well it's important too because people will have more information when they listen to this podcast and they can decide based on the data you mentioned like okay we know Anthony Davis is out or we know Anthony Davis is in they can go then decide based on the numbers you gave out which I feel like is equally actionable information to have yeah hopefully so I mean you have to have a take if you're going to act on this but this is what the markets would say based on the spreads I'm hoping for a game seven at least just because it's been an interesting series I'd like to see a healthy Anthony Davis we're probably not going to get that for this series but like healthy, healthy but I would like to see more actors it's been a fun series so far so hopefully more action, healthier versions of each team we'll see how things play out later on this week for my cover in the future I want to go back to NASCAR this week and talk about Joey Logano because the cup series is heading to Sonoma which is a road course and it's their third road course race the regular season Logano has bet a pretty constant presence at the front of the field but he's not being treated as such from an odds perspective so I want to bet him across the board for this weekend the reason here is that his road course abilities have really ticked up recently he has four straight top tens in road courses for points paying races dating back to last year but if you count the Bush clash which was an exhibition he actually has four straight podium finishes on road courses he was third at Circuit of the Americas two weeks ago second at the Daytona Roval third at the Bush clash also in Daytona second at the Charlotte Roval last year he had a top eight average running position in all three of the points paying races so he didn't fluke his way there he was running up front to the entire race and finished well so he's good on the road courses and his form in the 750 horsepower package is good too he ranks third in the current forum section of my model which just looks at the 750 tracks so far this year when you add that with his road course prowess Logano ranks fourth overall in my model so I want to bet him the problem is that Chase Elliott and Martin Truex Jr. suck up a lot of the win equity at this track and he has to beat them he hasn't done that yet so what I want to do here is split this one up I want to lay down two units on Logano the first unit goes to entirely his top 10 odds at minus 175 I think that's a good bet by itself so if you don't want to deal with Truex and Elliott's just bet him top 10 I think that's totally fine the second unit is going to be split in half between his podium odds and his win odds the podium odds are plus 400 if annual sports book his win odds are 16 to 1 this does mean I need him to podium to profit still so there is that but my win simulations show that there is value in all three of these markets the win market, the podium market and the top 10 market the biggest value is in the outright he's simulated 8.6% to win versus 5.9% implied it is the biggest outright value I have for this week but with Truex and Elliott being so good on this track type I'm okay taking the less quote unquote valuable route and going with Logano to podium and finish top 10 here the other thing too is my model cannot get to the numbers Truex and Elliott have like there are Elliott's that like implied 30% I'm not going to get there with my simulations I just I can't find a way to make him look that good in my model so I do want to account for that and discount and say that Logano's simulated win odds may be a bit higher than they should be so to me it's one unit on Logano to finish top 10 at minus 175 half unit each in the podium in the outright there is value in all three markets so whatever your flavor may be if you want to go podium sweet you want to go top 10 sweet the data does back it up you could go out when it went outright too but I would say again I can't get Elliott and Truex as high as their implied odds so it's going to make other people look naturally more valuable but I do think that Logano for the podium and the top 10 is going to be the way I want to play things for this week and I wanted to ask you though because it seems like there are some situations where no matter how we look at things we can't get to the number like sometimes I don't know if it's like the Patriots like a back in their heyday it would just be like monster favorites like against the Dolphins a couple years ago we can't get our numbers to match that what do you do in the situations where you know things are probably more probable than your model has but you still can't get to what the betting number is because to me the issue is that it creates seeming value elsewhere that might actually be there what do you mean seeming value elsewhere because like if my win simulations have 100% allocation and they can't get to 30% on Chase Elliott that means that I got him a 15% that's half like that's 15 percentage points of value that are lingering for other people but like I know Chase Elliott's true win odds are probably higher than 15% Yeah I mean I think you just need to be thoughtful about it I mean you need to the markets are going to they're gonna put a couple extra points on the favorite like in Alabama that's just gonna happen because that's what the market says the price should be so you know I mean if there's always kind of an Alabama factor right and my model compared to what they do so I don't know I think that's where you just have to be mindful that your model isn't perfect and know that it might struggle a little bit and with some of these big favorites and that doesn't mean the market's right doesn't mean your model's wrong just have to be careful about that And that's the goal here with the Logano splitting the markets and trying to navigate my way around that so Joey Logano a guy I want to bet this week just be cautious given that Elliott and Truex are lurking and I was waiting to snatch a win at a road course That is all the time that we have for this week here on Cover In The Spread big thank you once again to John Sheeran a fan to a sports book for swinging by breaking down NBA and NHL playoffs and the Belmont this week hope John has a fantastic time at the Belmont follow John on Twitter at Jay Sheeran 1981 Ed, what is going on for you this week over at the Power Inc? Yeah, had a really interesting conversation with Dan Zimborski about baseball It is not up yet, but it will be soon Yeah, it was really cool it was really cool to talk to him We kind of expanded on some of the things that we talked with him this time last year and his player projections and he made me really jealous of all the data that they have on baseball players even though it's far from perfect but Dan's a really interesting guy he did not give me kind of the stock answers his favorite book and who he'd like to have dinner with were very interestingly not what you would expect so yeah, it was a lot of fun and then I've definitely been trying to keep up at least one newsletter a week with my newsletter at the Power Inc looking at NBA and golf this time of year and certainly gonna be turning that focus on football as we get into August so check that out at thepowerinc.com If you follow Dan Zimborski on Twitter you will not be surprised that he would have unconventional answers to those questions he's a really interesting guy really good dude too to talk to very willing to donate his time like even when I was doing small-time radio in the nearest Minnesota he still came on and he talked about the twins ifs projection so I'll check that out once it's up Dan Zimborski really fun guy check that out over at the Football Analytics Show and check out Ed Stuff at thepowerinc.com and check out Ed on Twitter at the Power Inc I am on Twitter at Jim Sonnis J-I-M-S-A-N-N-E-S you can also follow the Fanduel Podcast Network at Fanduel Podcast big thank you to Calvin Theobald our video producer for running the video side of things here today thank you Cal as always and thank you to everyone for tuning in good luck to you with your bets whether it be for the NBA or NHL playoffs or for the Belmont or NASCAR this week we'll talk to you once again next week this has been covering the spread right here on the Fanduel Podcast Network Aaron Dolan here thanks for watching and make sure you click below on that subscribe button for more great Fanduel content and check out some of our latest uploads and playlists right over here


Hello and welcome to the session. I am Deepika here. Let's discuss a question which says find the vector and Cartesian equations of the plane that passes through the point 1 0 minus 2 and the normal to the plane is i k plus j k plus k cap Now we know that a plane is determined if it passes through a point and is perpendicular to a given direction So the equation of a plane through a point whose position vector is a and perpendicular to the vector n is vector r minus vector a Into vector n is equal to zero So this is a vector equation of the plane and the equation of a plane perpendicular to a given line with direction ratios a b c and passing through a given point with coordinates x1 y1 z1 is a into x minus x1 plus b into y minus y1 plus c into z minus z1 is equal to zero So this is the Cartesian form of the equation of a plane So this is a key idea behind that question We will take the help of this key idea to solve the above question So let's start the solution Let the plane passes through the point a with coordinates 1 0 minus 2 with position vector a And perpendicular to the vector we have vector a is equal to i cap minus 2 k cap and the vector n is given to us which is i cap plus j cap minus k cap Now according to our key idea the vector equation of the plane is given by vector r minus vector a Into vector n is equal to zero or vector r minus vector a which is i cap minus 2 k cap Into vector n which is i cap plus j cap minus k cap is equal to zero So this is a vector equation of the plane now the Cartesian equation of a plane perpendicular to a given line with direction ratios a b c and passing through a given point x 1 y 1 z 1 is given by a into x minus x 1 plus b into y minus y 1 Plus c into z minus z 1 is equal to zero Now here we have a is equal to 1 v is equal to 1 and c is equal to minus 1 Again the given plane is passing through the point 1 0 minus 2 so x 1 y 1 z 1 are 1 0 minus 2 respectively so the required Cartesian equation of the plane is 1 into x minus 1 plus 1 into y minus 0 minus 1 into z plus 2 is equal to zero or x minus 1 plus y minus z minus 2 is equal to zero or x plus y minus z is equal to 3 So this is a Cartesian equation of the plane that passes through the point 1 0 minus 2 and the normal to the plane is I cap plus j cap minus k cap So the answer for the above question is the vector equation of the plane is vector R minus I cap minus 2k cap into I cap plus j cap minus k cap is equal to zero and The Cartesian form of the equation of the plane is x plus 5 minus z is equal to 3 So this completes our session. I hope the solution is clear to you while harmonizing


What's up guys, welcome to The Trending Reviews. So I've got another retro speaker here from Divvum. This is the Divvum Timebox EVO, it's the big brother to the Timebox Mini. So I'm going to go ahead and give you an unboxing, a little overview of the features and hopefully give you an idea of actually how this tiny little speaker sounds with some really good audio. So let's just get straight into it. Okay so let's go ahead and take this out the box. Now this is very compact, it fits into the palm of your hands, you can see here it's a really small retro speaker, so tiny little square block, it has 256 colors only, so 16 by 16 bits, making it very retro. And there you have a little square block, it comes in black. So in the box you have the user guide and then you also have the USB data charging cable as well for the device. So that's everything in the box, let's go ahead and turn this on. So let's have a look at the device itself, you can see that the power button is there on the left hand side, you just have to hold it down to turn it on, so I'll do that now. It's got that classic Divvum startup noise and you can see that it goes straight into Bluetooth pairing mode, so I'll pair this with my phone and my laptop as well to give you an idea of actually how it sounds. So along the top you have the button to cycle through the various different animations, you have the plus and minus buttons for the volume, in the middle you have the alarm button and then on the left you have the play button. On the back you have a speaker grill, it has 6 watts of power in there, it has a base port as well to give you that punch in all the music and you also have the port for the USB charging cable. So that is it, this is how it looks, it's very retro looking, now I'm going to pair this and give you guys a little audio overview. So I've got this connected now to my laptop, now I'm going to be playing a song and seeing how the audio is coming out. So this is compared to the Divvum Max that I have up there on the shelf behind me that has 40 watts of power in there, the previous video review on that is linked in the description below. But nonetheless this is 6 watt powers, it's much more tiny, you can see it's just small fits in the palm of your hands. Now I'm going to play a song and the microphone is just here, so the distance between the speaker and the mic is about just that much, so hopefully you guys get an overview of actually how it sounds. Volume up. Now that is very loud, I think that's almost as loud as the Divvum Max I have up there as well, so this really livens up the entire room, I really need to turn the volume down and listening at the full max because that's actually how powerful this thing is. So I'm really impressed, the audio just comes out awesome in these Bluetooth speakers, now Divvum have done a really good job with their entire range of pixel art speakers here. Now audio for me, I can't fault it, I have to give it hands down for this size as well 10 out of 10. Now I'm going to be giving you an overview of actually linking this with your phone and using the Divvum app as well to create some pixel art animations, so let's go ahead and take a look at that. Alright guys so I've connected this via Bluetooth to my phone, so I'm going to launch the Divvum Smart App, the link will be in the description below. So I've done this a few times with the other Divvum products that I received, so I'll just quickly recap and show you again. So you have some various options here on the first discover menu, so design, this is pretty cool, you can actually start creating your own pixelated art and have that display on there, so if I just select maybe some colors, I can say hi and it will start displaying right there on the screen. So you can pretty much go and create anything you want and it does it in real time and it's one of my favorite features about this, it's just really cool when people come over to your house and they want to see this, then you can actually show them various different things and get everyone to start creating their own pixel art and have it displayed on there. So that's the discover option, you also have different types of animations that you can create as well, so let's go ahead and do some of this, I'm just creating random pixel art at the moment. So you can cycle between the different animations here, I have no idea what I'm doing, but let's go ahead and do that. So as soon as you hit play it basically cycles between the different pixel arts that you've just created on the animation screen as well, so that's pretty cool if you'd like to do that. You also have a text editor which basically sends a message across the screen, so I've got this written here called WhatsApp YouTube and then you can also change the background colors on this as well. And there's various different options here, so sleep is obviously a really cool one, there's various different types of ambient noises that you can have if you're having trouble sleeping and have this play in the background, so for example if I choose bird, you'll play bird noises, relaxation music, city rain, if you live in London like myself you're used to this and maybe it helps you fall asleep even quicker. So those are options to play with, you can also set an alarm, so just like your phone you can set different alarms for different days, times and that kind of stuff and it will wake you up. There's also an alarm button here on the top in case you want to use that to get straight into it. Now look at that channel at the bottom here, there's different designs you can have here cycling through and you can just set them up to display that. Along the top you have some tabs, so you have different types of clock options as well. With the clock, if you hold down the button here on the right hand side of the top of the time box, that will give you different clock options, so it will give you different ways to display the time, if you just hold it down for about three seconds you can see it cycles through various ones so you can do that. Lighting, obviously you can create your own lighting effects so if you just want to have it as solid then you can just select one of these and then have that display, maybe have different designs here as well. Now the cloud channel tab there right at the top basically allows you to cycle through and shuffle through various different animations that people have created in the past. Here's an example, so if I hit that button you can see that there's some random animations appearing, maybe there's one that you like and you can just leave it on that as well. Now along the bottom there, the tab in the middle, if you select that, this is where the entire gallery of pixel art is available for, so you can cycle through all the popular ones, top ones, specific characters, various holiday seasonal pixel art animations, so many different things, so here are the top ones, you can see here maybe I'll just show you this one, it says hello, you can scroll down and see so many different cool ones that people have created in the past, so just cycle through, have fun with it and there's so many different options, so you can create an account and set up your own animations to share with the rest of the marketplace of these pixel art galleries as well. And you also have the music tab where you can actually play the radio, your own local music on your phone and various different playlists that you have as well and if you don't want to use this, you can actually use Spotify, you connect this via Bluetooth on your phone settings rather than the app specifically and just play anything you want from your phone directly onto there as well. And then you have the settings tab to obviously change any settings around the screen and the display itself. So that pretty much covers everything on the Timebox Evo here, I think overall they've got some really cool products on their websites, I'll leave a link in the description where you can have a look at all the different ranges of their Bluetooth speakers from the smallest ones to the largest ones and this is a really cool item to have around the house and really surprise people with, so for me the colors on here look amazing, you can't see it in the actual camera screen right now, but in real life they actually stand out so much better than what you can actually see on screen. So that's about it guys, hopefully that was useful for you. If you have any other questions about their speaker or any of the other different speakers, then do drop a comment below. I'll be putting all of the pictures of this on my Instagram at TrainingReviews, so do take a look at that. Otherwise I hope you liked the video, I hope you subscribe and I will catch you guys at the next one. Take care.