Welcome to QuackTalk, I'm Crystal here on Tuesday morning. So today we're going to talk a little bit about things you put in food and in your life. You know, when you go and have a steak, sometimes you want to sprinkle a little of, okay, we're going to spice, we're going to put on that, or we're going to have some seafood. I'm going to put a different type of spice. So where do these spices and combinations come from and why do we pair certain types of foods with certain types of spices and what does it mean as a woman to be a woman of spice? There is the link we have today and we are going to dive straight into that with our wonderful guests full of spices, perhaps of quite a spicy person herself. Let's introduce her now, Brittany from Marnamaria Spices. Welcome. Hi, thank you for having me. It's nice to be here. Thank you. First of all, let me just tell everyone how I bumped into Brittany. I went to the farmers market in Warwick, and I was looking at her wonderful spices and I love to cook and try new spices, so that's how it all happened. It just, more importantly, was quite interesting how a person brings about the spice of life, if you will, and where it brought you. So let's hear a little bit about your background and where you're from and why you brought the spice to the table. Yeah, no, I moved to Hawaii initially when I was a little kid. My dad was in the military, and so I grew up here, but my mom is Cuban and my dad is kind of more European. Kind of more European. Can you be a little more specific? He's Caucasian, but his family is very influenced by Europe. They like to travel there a lot. And so I grew up in a household that was really mixed, because we were living in Hawaii, which has a lot of Asian influences, but I had Hispanic influences from my mom and European influences from my dad. And so it was just a house that was always filled with new things and trying new things and new flavors and just bringing different cultures into the house all the time. And that was something that my parents really kind of instilled in me. My grandparents were both like that as well. Okay. They thought it was just really important to try new things and taste new things. And they also, they were very much in the kitchen and creating their own dishes. Yeah, actually, that's kind of where the name for my company came from, Marna Maria. So Marna is the name of my dad's mom, and she didn't love to cook, but she thought it was important, and she wanted to do something fun with her kids and also teach her kids about the world, because it was important that they knew things. Where was she from? She was from, I don't know, Washington State. Oh, okay. Yeah, but her husband and she was also in the military, so they traveled. And so she thought it was important that her kids knew about other cultures. So today we're going to learn about China and we're going to listen to some Chinese music and we'll eat some Chinese food and try Chinese things just so they knew. That's great. And my mom's mom, Maria, was Cuban and food was so central to her life, because that's a very Hispanic thing, and she thought it was so important to cook, and that's how you brought family around the table, and that's how you bring people together. And so I love that idea, and that's kind of what I brought together to create my brand, Marna Maria, and then the spices behind it, so trying to encourage people to explore new things they maybe haven't done before and try new things they haven't tried before, but through something that's really easy and something that you do every day, like eating. Right, right. So, but you personally, do you feel like you're more influenced by the Cuban culture? Yeah. I really have a really big influence on Cuban culture in my life. My mom is Cuban, and my mom raised me like she, and so that was something that she kind of instilled in us. Is there a Cuban community here in Hawaii at all? Not really. It's you. You can come to our house. We have, every once in a while, we'll meet another Cuban, and it's very, very exciting. But there's a little bit here, but not so much because it is really far from Cuba. Right, so you bring it, and that's why you were saying off air is also the importance of holding on to your culture because you're so far away from it. Yeah, my mom is originally from Cuba, and then she came to the United States and then was living in Florida, and then through the military, my family came here when I was a little kid. But she maintained that kind of the values of Cuban culture, and the fun things, and the dancing, but also the food and the family. What are some foods that we need to know about that are, you know, just... Yeah, so actually that was the first spice blend that I made. It's called carne creolla. And it's to make that roasted Cuban pork. Perhaps you had it on the stand, which is the slow roasted Cuban pork and citrus juices. And so that was the first blend that I made just to share with my friends, because people always wanted to try Cuban food. Which one is that? Oh! We have a big smile here. Okay, I'll find it later. It's in here, but it has some oregano and citrus juices and some onions and garlic and cumin, and a lot of people think that Cuban food is really spicy because the people are so spicy, but it's an island of sugar, so they tend to be sweeter, yeah. I got a backtrack. That island of spices and spicy people. Why is it that Cubans are associated with being spicy? And do you think that the concept of being spicy is only relevant to women?  But when we're a girl, you see them go, oh, yeah. Well, okay. Zuri begs to differ. We'll ask her later. I don't know. I think what's really fun about the Cuban culture is something that I've really appreciated, is that they just like to have fun, and you know, there's not these inhibitions of that's not what we should do or this is not kind of what's cool or anything, but it's like a deep love for your family, a deep love for the people around you and know, like, shame to show it and just to express how you want to be and what you love and to share that. So to be spicy is associated with somebody who is carefree and very, very comfortable with expressing themselves and full of passion. Yeah, I don't know if I would say carefree so much because, I mean, one really big attribute of Cuban culture is that it's very hard working. Okay. But also, like, totally know how to have a good time and then, like, I don't know, just let loose, yeah. But is spicy necessarily hot? Like, is it just spicy? Yeah, you know, when somebody's spicy, is it that, what makes somebody spicy? I don't know. I think it's just, so I lived in France for a while and it's just that je ne sais quoi. Like, you don't know what that is, but some people have that kind of fire in front of them that drives, like, my mom, for example, she's always defended what we wanted to do and defended us just with this passion from inside of her. And I don't think that's something you teach and that's something that she's instilled with me that went really well with helping me start this company is nothing was too hard or nothing was too big or you could really do what you wanted as long as you thought you could do it. Do you think this attitude is something that's innate in particularly Cuban culture or every culture has their own kind of version of spiciness? Oh, I don't know. I can't speak to other cultures so much.  It was really quite interesting that I think that yeah, I think what's really interesting is when I've lived in a bunch of places and when you kind of look at all different people and where they come from, everyone has a different thing that they're kind of really good at just that that's what's really important to their society. And I think it's so cool when you have a group of people coming from all different places like Hawaii coming together, you have all these different attributes that are awesome and then you get a product at the end, which is just really great. Do you have a Hawaiian spice? Yeah, I actually have a whole Hawaiian line because Hawaii is like so close to me because this is where I live. Right, you're up here. Yeah, so I do. I have six or seven different kind of spices that are just Hawaii flavors. What are Hawaii flavors? So one that these were kind of suggestions that people gave to me. So one was for stir fry. Because that's something that kind of happens here. So I have some ginger, like some peppers and so a little bit of spice in that. But then I also have a little sweet thing. So I have like an everything seasoning that has some ginger, but some sugar as well to like pull on some other attributes. Do you make these spices yourself or you get them from all different? So I source the spices from across the world. I try to look where they originally come from. Like if cinnamon originally comes from Sri Lanka, I source it from there. And then I bring them all together here and do all the cutting and blending and mixing and testing and everything here. Testing. So who's your guinea pig? Your family. You go, so try this one. This one's yours. Yeah, so it's been a pretty fun thing. And I really like the idea that the culture, the influence of a culture into a spice, we take it for granted. We have, there's so many blends out there on the shelves that you just go, OK, I need something for seafood. And then they take that. But you don't think about the source, the origin of it and why that is. Oh yeah, so many things come from behind that. And I've lived in a bunch of different places and because of that I have friends from a lot of different places. So I've had a lot of fun like, hey, I want to make an Indian seasoning. So I'll call up my friend from India and be like, can I ask, can you try this? Like, is this right? Is this really true to what you guys have there? And because that's really my intent is to do a good representation of what's authentic. Well, that's a good question though. Where do you kind of cross the line? Do you want something that's authentic or do you want something that's blended that represents the multiculturalism that we live in today? Well, I think this, for example, is a box full of essentially all different countries. So they're all together here. But you're having different separate things. And one of the things that I like to say is your favorite fruit is one you've never tried before. And so maybe you think you don't like something, but maybe it's because you haven't tried it before. And so just because you might think, oh, I'm not really into that culture. I don't really like that. It may not be true. You just haven't experienced it in a way that you can connect with. It's an ignorance, too, to do something. But it's just, it's that. But it's also, I mean, we can't know everything right now. But if this can help someone kind of learn a little bit further than where they are and have more enjoyment in their life, because they've discovered that they didn't enjoy something before, I think that's so exciting. And to learn a culture from a spice or a flavor. Do you have any particular flavors that you've discovered in your life that was like, whoa, this is something I had no idea I was out there? I've had a few of those kind of moments where they're on just small things where I'm like, oh, I don't like fennel. I'm really not a fan of fennel. And then you have it prepared in a different way. And you're like, fennel is the best ingredient. OK, so what do you put fennel in? I've had, so I was eating at a restaurant in Seattle and I had a fennel foam on hamachi. So I didn't like raw fish and I didn't like fennel. Was it fresher dried fennel? It was, so they had infused the fennel into like a cream and then put it into like a foam. So it was very pungent of the fennel, but very smooth from the cream. And to this day, this was one of the most favorite things I've ever eaten. And so you can transform things to, do you just have to look at things in a different way? And I think that can be applied to lots of different. Well, I'm going to sidetrack here. I don't know if this is even appropriate, but there is a site where they have all this cooking, these meals prepared, but they infuse it with things that have to do with the source of marijuana. Have you seen that show before? I have not. And then they make it like a whole gourmet thing and then they do these special smoking techniques with that. And then there's just so many layers of different types of pot, if you will. And Rob's like, oh yeah, I know that show. So I'm just saying that right now, everybody has like a, it's just brought up to a level where we can use our influences in whatever our life, whatever that means, to make it into a very cultural or interesting creative experience in eating. Yeah, and I mean, I think that's true in a lot of things. Like you, if you wrap something up in a certain way, you can really convince people of whatever you want. Okay, that's another angle on it. Do you have a favorite spice? From my, from my thing. Yeah, and you have so many spices here. This is crazy. I don't even know where to start. Well, it's, you know, people just Florida fish. Come up to me with an idea and I say, let's try it. Yeah, that one is actually one of the most popular ones. Really? It's a fish seasoning. As opposed to like a normal fish. I think I bought a fish seasoning last time, but it didn't say Florida fish. It was, maybe, so that the only reason that one's called Florida fish is it was initially a wedding favor for my cousin's wedding and she was getting married in Florida. And so that's why I named it that. Oh, is there a different thing in it? It's great on fish that are from the Florida coast, but it's also great on lots of fish.  It's really nice. We've had that, what other things do you think that are interesting to bring? To French. Well, French always, yeah. Yeah, the French herbs are great because that's kind of the heart of, people will disagree with the French and I semi-agree. Claim that's kind of where cooking started. If you look at wine as well, all wine kind of rules are based off of French wine rule. And so I think it's so crucial to have such a base as a French because they're classically trained in that combination of herbs for a lot of different things. Yeah, and they've been doing it for years and years and years. All right, well, I don't know. I'm not gonna challenge that, but I'm gonna, we'll see. But lamb, well, you know what I think is sometimes, since we're going on with the concept of women of spices, is that what's a man of spice? Are there certain herbs that you think are more associated with a man and a woman, okay? Well, I would say yes, just because I'll get people, I sell at the farmer's market. And so you have kind of some guys who'll show up. Don't do the rub. I'm gonna buy that rub.  And the hot, spicy Cajun spice. Yeah, exactly. You know what? Hold on to those thoughts. We're gonna come back after that and think about what spices you like in your life and whether you are a woman or a man of spice because it is, it kind of identifies who you are or where you come from. And when we come back, the mom's gonna come and join us too, so we'll have more spice on the table. See you soon. Aloha, my name is Justine Espiritu. This is my co-host, Matthew Johnson. Every Thursday at 4 p.m. on Seantech, we host the Hawaii Food and Farmers series. We like to bring in folks from the whole realm of the local food supply and agriculture, anyone working on these issues, any organization or individual that has plans or projects. What kind of people have we had on? So we've had farmers, we've had chefs, we've had people from government, larger institutions, everyone who's working to help make Hawaii's local food system that much better. So you can see us every Thursday and join the conversation on Twitter and we hope to see you there. You're watching Think Tech Hawaii, exploring the world we live in, recognizing the changes around us and looking into the future of our lives together in these islands. Great content for Hawaii from Think Tech. Aloha, my name is Danelia, D-A-N-E-L-I-A. And I'm the other half of the duo, John Newman. We are the co-host of Keys to Success, which is live on Think Tech live streaming network series weekly on Thursdays at 11 a.m. Aloha. Aloha. To the women of spice, today's talking about the spices of life and how women are spicy and how spices represent who we are as women and men. So we have Brittany here from her beautiful source of creative spices and her mom's joining us right now. Milta, welcome. Thank you so much. So Milta, I understand that you're originally from Cuba and you came here. And let's talk a little bit about the Cuban culture because in Hawaii, it's actually not the specialty. Right. I immigrated in 1967 in the freedom flights, the Kennedy freedom flights. And we come from a very hardworking family. Cuban cultures, Cubans are very hardworking people. And like many immigrants, they want the best for their kids. And I think what you need to know about Cuban culture is that we're very family oriented. We're faithful people. And you were talking about spice before. And I think the thing that makes us really spicy is that we really love our family. We love our friends and we love getting together, needing good food. And so when Brittany started this, she started with the Cuban spice. And I think it just took off from there. You found the Cuban spice. Yes. Yes, it's one of our favorites, carne criolla. Ooh. What is in that wonderful name? Yeah, so this is, I based it just on how my mom taught me growing up, how we make our traditional foods, so our traditional Cuban pork. So it's tons of oregano, tons of garlic, onion, cumin, and then some citrus flavor. So this has some dried orange, some dried lemon, and you can also do some dried grape. I put some dried grapefruit in there sometimes. But yeah, and then we'll marinate that down just for up to like, you can do it to like three days and then you just roast that in the oven. And the smell, you can smell it down the street. Any kind of meat? We do pork. But you can do it. Like a pork shoulder kind of? You can do anything with it, but Cubans tend to eat a lot of pork and we marinate it usually with this type of spice and also some lemon juice and fresh orange juice and garlic and such. So it's a slow bake, isn't it? Yeah, it's almost like Kahlua pork. Right. We also have, we also put it under the ground. We do that in a pit, where we do it on, you know, just over the ground and we'll have a pig roasting. Yeah. That's very traditional. And you just peel it apart and it just comes out. Yeah, it's just a little different where the Hawaiians have the smoke and the salt. We tend to have garlic and other spices. But isn't that interesting? It is. We're comparing the different cultures but the similarities. Yes. And we do the rice and... Well, it's very funny as well because there were a lot of Chinese immigrants to Cuba. Right. There are some kind of connections. We rice every day.  Yes, white rice. And we also have, which is very big for us, is the black beans. So we do rice, black beans and plantains. Oh, yeah, oh, I love plantains. And then your protein. Right, right. So what do you bring it over? Because I have a very good Mexican friend who I met in Hong Kong and her mother, who is from Mexico, would just swear by having the authentic ingredient that she would hand deliver to her. She would refuse this for her to buy, store, bought, prepacked spices. Do you feel the same way about... We have definitely done that. We've done that, I have a Cuban pot. So many things. I have a lot of Cuban things and also we have a Spanish market here in Hawaii. How authentic is that? They're called de la raza. They're called de la raza on Baratania, I believe. And we do go there for a lot of ingredients. Yes, she brings in a lot of good things before that. Like, as I was saying, we go to Florida every year. We would bring back... Like what? Pops, mops, sort of like... Yes, I mean, I would bring guava. My daughter just brought me pastries. Cuban pastries. Guava pastries, Cuban pastries. Do you think guava here? Well, it's different. It's a guava paste. It's a guava paste that you have for dessert. Do you have that here? No, we bring Cuban bread. We bring... The Cuban bakeries do all these different things. We bring like... What is Cuban pastries? Delicious. It's a lot of it is like cakes and very much like French pastries, almost. They're very similar to French pastries. And they have a lot of that milfoil. Right, right. The little papery stuff with the different champs inside. Was that influenced by the French or it was just... I don't believe so. I'm not sure about that, but we like our sugar. You just got like a little Southern accent come out. Where did that come from? Well, I grew up when we immigrated to New York and then I grew up in South Florida. Okay, okay. But isn't that interesting? You traced, because you said you traveled all over the world for whatever reasons. And how does that put an extra spice onto your plate? Oh, so much, right? Because you have such an influence from people. You've met her things, you've tried. And so you kind of like, she just had her little accent come out.  Right. You're, I guess, more spicy in a way. Because...  Yes, he does.  What does that mean? She is. She's got a lot of energy. She's very smart. She has a lot of energy. She can go non-stop. And I think that's infectious and people like that. They know that she's very knowledgeable and she knows a lot about many things and especially food and cooking, because she has her master's in food and wine from France. But obviously the family, the home was the biggest influence you were talking about before. Yeah, I mean, that was what built the foundation. Right. Because I mean... Your interests. That was kind of what my parents influenced on me. Like, go do what you want to do. There's so many things out there, go learn them. When you were very young, you started going in the kitchen and cooking? Yeah, I've always questioned my mom ever since I was little. Well, my mother cooked and my aunts cooked. Everybody cooked. Right. And my sisters a big cook and... Do men cook in Cuban culture? Yes, absolutely. The men do cook and they're great cooks. Right. Everybody cooks. My father was a great cook. My mother was a good cook, a great cook. And she grew up in a household that cooked. I cooked all the time. I made breakfast, lunch, and dinner. And my kids... Right. And you just grew up in that... Yeah. You just breathe in. It's like, that's what brings the family together. And she was talking about that. You're talking about passion and passion for family and defending a family. And that's kind of where it all starts from. Because you are really close to it. It's very organic that you fight for your family and defend your family. You're with your family. You want to be with them. It reminds me of a good film. Do you have a favorite cook food film? A favorite? You love that show. Which one? I love Chef because Chef is very... Yeah, it is authentic. It's very human, too, without the issues. It's pretty authentic. A lot of times I see films that represent Cuban culture, not so much. But I really enjoyed that show. And the food was right on. And so I was excited about that. But it's interesting about food, though. Do you think that the food, the spices that you personally like reflect who you are? Can we trace it like that in terms of personality? And just... I think so because I think that my husband grew up in a totally different household than I did. And when we were first together, he's like, well, how many people in your family? And even though there were only four people in our family when I was growing up, I said there's like 25 people because I'm so used to having the large family very much the culture. And he was like, what? He was just about... His family was a small knit family. So I think we grew up very much with that feeling. With an abundance. Abundance, right. And the food and family. So I'm sure your plate was full of... The worst thing you could run into is not having enough food for the people around you. That's like the Chinese. You always have to put more. Yeah, yeah. But Chinese culture is so broad. People think, oh, what are the things that Chinese eat? It depends. If you're in the South, you eat... They're more steamed foods.  So it's kind of like culturally you needed to be educated on how the environment influenced your choices of foods. So going back to Cuban culture is the citrus. I don't know maybe because you needed to offset the spices. Yeah, I think you can determine almost how adventurous you are, how spicy you are on some level by kind of what you eat. Like are you willing to try new things? Or are you kind of just really happy with what you're having? And it's not right or wrong one way, but I'm like, go, go, go, yeah, we have to try this. We have to do this. And I think that's one of the reasons that my boyfriend thinks I'm spicy is because I'm always like, I've never had that before. Like we have to have that. You make him try weird things. Oh, he's anything. Like he's totally, he loves it. Because he loves to eat. He's a great guinea pig. Yeah. And he's really kind because he's always like, this is amazing. See, that's the passion there too. Yeah. But you know that the saying, you are what you eat, is that something that's overrated or do you believe that? Oh, I mean, I think there's definitely exceptions to that.  I like to do lots of things. Like that's very descriptive of me as a person and my personality. And so I think that totally reflects that. Right, right. And people who have simple diets, not because of health reasons, but people who prefer simple things, maybe they do kind of simplify their lives with them. Yeah, and there's something wrong with that. Right, exactly.  And that is like, that is their thing. And that's not a bad thing at all. It's just different preferences. And I mean, not everyone's into spices and not everyone's into traveling. But I think a lot of people are. They just don't know how to. Yeah, and that was what I was trying to do with this, is make kind of big things, small, literally, smaller. And like more accessible. I can't go to India, but I can spend 15 minutes. And that was kind of, this was to give people a 15 minute immersion experience. So I can spend 15 minutes. I can go on her website. I can read the blur about India. I can read the recipe. I can make the recipe with her spices. And I've had a semi-authentic kind of journey to this place that I've never been. And that was what I wanted to do for people and that not everyone has the ability to travel or can't or doesn't want to do that whole thing.  But this is an easy way to kind of expand where you are. It's a culture and a pot.  I think the people that have come back to buy her spices all say the same thing, that they're good, because they're so fresh. And also that they make cooking so easy. So someone who doesn't know how to cook can just put the spices on, follow the recipe. And it's really simple. And don't go to Costco for the same old lens. You know, you get something that's a little bit more particular. Yeah. The different colors will tell you everything. So keep us in the last minute of the show. What are some tips that you can give our audiences on how to embrace spices as we should? Yeah. I think I like to cook a lot. And I would always kind of disregard seasoning ones, because I'm like, I don't need that. I can add all the ingredients myself. But really, this is a way to add tons of flavor at one time. And the ingredients are incredible quality. I have a spreadsheet this long just trying to source the best thing. And so it's great for the kind of the novice who doesn't want to cook and who just wants to add, because it makes you look amazing. And then it's great for people who like to cook or chefs. I've had a lot of chefs come back to me, because the ingredients are great. And a lot of thought and time and research has been put into making these blends. So they're really what people would use. So it goes across the spectrum. And it's really accessible and a quality product, no matter who you are. And can people purchase them online? Or do they go to your farm market? Everything's available online. We have different packaging sizes. And a few more options online on marnamaria.com. And then as well, I sell in the Kakaoka Farmers Market on Saturdays near Ward Warehouse. And then also, these are available at Magnolia at the Halla Mall. OK, wow. OK, well, you heard it from Brittany and Milda. So thank you so much for sharing your wealth of spices. You had a little, in the beginning, what was the quote you used? Oh, what's it? Well, I can't remember. Trying to eat. Trying to eat the world? Yes, yes. I love it.  So take that with you today and have a wonderful day. And eat and be spicy. Thank you.


So I am back with another Cyberpunk video and today we check out what's gone on over the past week in terms of news. Today we cover new gameplay, talk about CDPR breaking their silence, promos being sent out to retailers, Night City Wire 5 and much more. How's it going guys, my name's DPJ and if you enjoyed the video leaving a like, really helps me out and I do appreciate that support and also subscribe if you want more Cyberpunk from me. So let's start this video off with KFC gaming on Twitter trying to bait us in marking the delay we experienced with Cyberpunk with their statement. They dropped this tweet which I mean if you want to read through all you can pause the video but frankly I wouldn't waste your time. But hey, it is what it is, I did however like Cyberpunk's reply. Okay so moving on and as I know many people are still thinking another delay might come but this recent image shared to the internet shows retailers actually getting proper promo stuff being sent out to them which is great news and if I'm honest although deep down when we were let down by that other delay I honestly felt so disappointed I thought anything was possible and deep down I did think another delay might be coming just because how silent they were on social media. After they announced that delay they were literally dead silent people. That's changed now though and with things like this with promos being sent out to retailers I think it's a great great thing and like I said although my heart felt it was going to be delayed again my brain said it just can't happen again. The impact the last one had just demonstrates that yet another one would be catastrophic for this game. So yes promos being sent out to retailers also them doubling down with many other sources within statements like IGN and so much more stating that this is the date we will get the game I'm pretty sure 10th we will all be playing Cyberpunk 2077. Okay so moving on guys and this is more of a warning than anything be careful where you are locking online in terms of sources of news due to the fact the complete list of in-game achievements has been leaked online and while it's saying anything I want to see or will cover but I know certain people out there really ain't bothered about it so a quick search on google you will find everything whether you want to see or not just be careful people. So as you may know but for those that don't Night City Wire 5 has been confirmed and it arrives this Thursday that is the 19th and I personally cannot wait and if I'm honest I think we needed this we needed that reassurance and I'm hoping we'd get it because as Cyberpunk and CDPR went completely silent like I mentioned earlier after that tweet about the delay this was basically the first thing or one of the few things they've tweeted since and a lot of people have been stalking their twitter waiting for that tweet and I'm just so glad and Night City Wire 5 is coming and I'm pretty certain we're going to learn a lot about what went down and what's to come so again November 19th but if you missed it or have it covered for you right here on my channel and to finish the video guys me and many other content creators yesterday uploaded brand new footage of this game which was released in German on a German website this morning me and many other content creators walk up to this video being removed by said German website removed straight from our channels I mean the amount of publicity this site would have got from us content creators which they themselves took away now one screen they can see a few screenshots from this new gameplay which I mean like I said was all in German so the context behind it wasn't there for me unless you speak German you would know what's going on but there's definitely some new scenes here some interesting ones too but if you guys do want to witness this gameplay I have it within my discord which you'll find linked within that video description come join my discord people I am working on building a cyberpunk community again my discord is linked down below but yeah guys on that note we have come to the end of the video just a quick one since you didn't have silent CDPR have been but after this Thursday I'm pretty certain we'll see plenty more news we shall get that hype building again but again thanks as always for stopping by if you enjoyed the video leave a like really helps out and hopefully I will see you on that next one


Hi. Good afternoon. I used to see a lot of Damian when I was on economic development, but we don't usually see you up here. Well, it's a... Etchelons of finance. Yeah, finance is... It's usually too complicated for me, I'll be honest. It's been that way today. Okay. But we're here to talk about 247, which is prohibiting discrimination based on genetic information. And this is just our first kind of walkthrough on this one. So we'll do that. And then we can decide either to go forward with it or to just ship it over to health and welfare. And then we can decide whether to go forward with it or not. And then we'll do that. I mean, I'm not sure that there's an insurance bill. So we might want to do that. Senator Hardy. I just want to let people or maybe faith know that when you click on 247 under Damian's name, it comes up as 269. Thank you very much. I'll fix it. Okay. Thank you. Okay. So Damian, you want to walk us through this one. Do you want to go ahead and look at the document on their own device or do you want me to share it? Usually we share it. Okay. Great. Every committee is a little different. So, All right. Let me go ahead and pull that up. All right. Okay. So here's S247. This is based on a lengthier bill. It's passed out of Senate health and welfare. Right before the pandemic started in 2019. Is that right? 2020. Sorry, it's been so long at this point. I can't remember when. Yeah. Thanks for all of that started on. So this is a trimmed down version of that bill that focuses on the, the sort of core provisions of that bill. Okay. The very first two changes in the bill. In sections one and two. Are in title 18 on the section covering it, covering genetic information and testing or the chapter. The first would amend our definition of genetic information. To mean the results of genetic testing related to an individual or a individual's interpretation of valuation or other record. Or the manifestation of a disease or disorder in a family member of the individual. And this definition is important because all of the other sections in the bill are going to cross reference it. And the definition has been amended to bring it in line with the definition under the. The federal genetic information. Non-discrimination act or Gina. So. Okay. Damian. That be the manifestation of a disease or disorder in a family member. Does that mean every time they ask about a cancer history in my family, they can't use that anymore. So what this. What this means and we'll, we'll get into it within the context of insurance. But yeah, what this means is that genetic information now includes. That history of whatever it might be. If there's a genetic. There is a genetic predisposition for a certain type of history or a certain type of cancer. Then. A family history of that. Cancer. Is considered genetic information. Same as with. Things like heart disease. Where there's genetic predisposition. Substance use disorder. There's some genetic predisposition, I believe. There are any condition like that where there's a genetic predisposition. That's sort of medical history and your, and your family is considered genetic information. Okay. We will definitely have the insurance companies in. Yes. Yes. Okay. The. So the next section, section two gets into. The requirements around genetic testing as a condition of insurance coverage. And so the current. I'm sure I'm sorry to interrupt. Damon. Sorry to interrupt. Damian, but. In the definition. Does that cover. Say somebody gets a, what's it called the. Something 23 or whatever the DNA test. Is that covered under those definitions? Cause I've, I've often worried that those companies sell. Your data the way a browser does and those kinds of things that, that. People unknowingly. Effectively put their DNA information out in public. So. Can you just help me understand if, if that's connected to this. Yeah. So that is actually addressed later in the bill. And the, the use of genetic information acquired from a. Direct to consumer genetic testing company is, is prohibited. In certain contexts. Later on the bill. So the. Genetic testing as a condition of insurance coverage. Are law already. Prohibits. Requiring genetic testing. As a condition. Of a policy or prohibits a policy and insurance policy from containing a requirement that an individual undergo genetic testing. Or. That the individual provide the results of genetic testing for. A member of their family. What this adds is that. You can't condition the insurance on the basis of genetic information of the individual that may be associated with a potential genetic condition. But that has not resulted in a diagnosed condition in the individual. So this gets into the chair's question. So if you have genetic information that indicates that you may. Have a heightened risk of developing something. You can't condition the insurance on the basis of that. You can't condition the insurance on the basis of genetic information. However, if the individual has actually developed that medical condition. That can be something that you condition the insurance on. Within the restrictions of the rest of the law. They mean, is this. Life insurance specifically, or just any insurance. So. This is going to relate primarily to life insurance in the bill. But there are some more generally applicable insurance provisions. There's also some reporting provisions for. Non-profit. Health and medical. Facilities that are under title eight that are affected. So we'll get to that in just a minute. So now we're getting into the insurance and section three. Eighth VSA 30702. I'm just going to go to my notes since insurance is. A little bit outside of my normal area of practice. So this is life insurance here that we're dealing with in section three. So life insurance company doing business. Shall not. Issue a policy. The changes in one through four. Are just style changes for our drafting manual. And then in five, we get to condition insurance rates. The provision or renewal of insurance coverage or benefits. Or other conditions of insurance for any individual on a requirement or agreement that the individual undergo genetic testing. Genetic information of the individual that may be associated with a potential genetic condition. But has not resulted in a diagnosed condition. Or the genetic information of an individual's family member. So it repeats. Those provisions from title 18. And so the, the issue. The. What this does. For life insurance here. Is not only does it prohibit them from requiring an individual to undergo genetic testing. But it also says you can't condition insurance rates. Or the provision or renewal of insurance coverage. On genetic information that might be associated with a potential genetic condition. That hasn't actually manifested. And so the issue. The. What this does for life insurance here. Is not only does it prohibit them from requiring an individual to undergo genetic testing. But it also says it prohibits them from requiring an individual to undergo genetic testing. And that has actually manifested itself at this point. So. The next piece here. Subdivision B just cross references the. The definitions that we added in title 18. Subdivision C here says that notwithstanding the prior language. A life insurance company can condition rates. Or renewal or provision of insurance coverage. Or other conditions of insurance. In other words, including the manifestation of a disease or disorder and one or more family members. Provided that there's a relationship between the individuals, family medical history. And the cost of the insurance risk that the insurer would assume by ensuring the individual. So this is a carve out. In the life insurance. Category here, which basically says if you have a family medical history. You know, say. If you have a family medical history. You know, if you have a family medical history.  A history of heart disease. They could take that into account when they're.  But what they can't do is look at genetic testing. Or other genetic information when they're doing that. And that's the first line that says any history and. Yeah, so this is. This is a. This is just for life insurance. This is for life insurance. And it's a carve out. From that portion of genetic information related to. The individual's family member. And the genetic information that might be associated with potential genetic conditions. So it's basically saying. You can't look at genetic testing, but you can look at documented medical history. For life insurance. Does that make sense? Yeah. Yeah. Yeah. So it's, it's narrowing down what life insurance could potentially look at. But still leaving open the option of looking at documented medical history. And this is something that was the part of the committee's amendment when this passed out of health and welfare in 2020. They added this provision in here. Based on testimony from the insurers. But of course you'll want to hear from them on this issue. Yeah. Madam chair. May I ask a question? Damien. The documented medical history. What, what specifically does that mean that doesn't mean that they can get or request or require a patient's. Medical chart, does it, or whatever? No, I, I think what. What I'm, what I'm getting at. Probably in artfully is, is the questions that you would get asked right now about. You know, Did, has anyone in your family suffered from, you know, heart disease or the following conditions. When they're the sort of medical history that they would take. When you're, you're applying for the policy.  They would have to follow up questions or base there, the rate that you get.  Okay. So it's basically the form that they make you fill out in the, but not, they don't request your medical records. Right. Or if you've had a genetic test or your children have had a genetic test, which is becoming more common. Or something like that. They can't ask you for those test results. But they can ask you general questions about your family's medical history. Got it. Thank you. Yep. Yeah. Sorry to muddy the waters there by using the term documented. That's. And then the final piece here, and this gets to Senator Pearson's. And then. Concern from earlier is this prohibits the life insurance company from requesting requiring purchasing or using information. Obtained from an entity providing direct to consumer genetic testing. Without the informed written consent of the individual who's been tested. So only if you get the. Individuals informed written consent to the release and use of that information. Can they, can they acquire that information and use it? All right. Section four. Is a. General unfair methods of competition or unfair. Or deceptive acts or practices for insurance. In the business of insurance. And this adds. It makes a couple of changes to the underlying law here. The first, if we go to page five. Is we strike out the current language relating to genetic testing. So currently the law says it's an unfair or arbitrary underwriting action. To make her permit any unfair discrimination. By conditioning insurance rates, the provision or renewal of insurance or other condition of insurance based on medical information. Including the results of genetic testing and we're striking that language out. Where there's not a relationship between that information and the cost of the insurance risk. That the insurer would assume. And then what we're. Replacing that with is this new subdivision F here. Which. Provides that it's on an unfair practice to make her permit. Any unfair discrimination against an individual by conditioning insurance rates. The provision or renewal of insurance coverage or other condition of insurance on. A requirement or agreement that the individual undergo genetic testing. The genetic information of the individual that is associated with a potential genetic condition. But that has not resulted in a diagnosed condition in the individual. Or genetic information of the individual's family. Members. And then the cross reference back to the. Now universal definition of genetic testing and genetic information. So that, that is new language, bringing this into line with the protections provided under the federal law. The genetic information non-discrimination act. So. And this applies across the board, the more. The more precise language that we discussed above with life insurance. Would apply to life insurance, although you may want to indicate. Except as otherwise provided in that section here. As just a drafting note. The next here in the existing section on genetic testing. Which already prohibits a requirement or agreement. Of an individual to undergo genetic testing. There. Again. This is repetitive of the language above. Where we're just adding in the identical language here. To line it up with the federal protections. And then again, the same cross reference to title 18. The next brings us over to HMOs. So that's section five brings us over to HMOs. And this adds to. The language providing that any nonprofit HMO. Shall offer non-group plans in accordance with section 4080 B of this title without discrimination based on age gender industry. And we're adding the word genetic and the words genetic information. So we're adding the word genetic information. And we're adding the word genetic information to the word genetic information. So this is a technical history, except as allowed by. And we're correcting the cross reference to 33. 1811. F2 a. To correct that because those provisions moved a few years back. So this is a technical. Correction here on the cross reference. And then we're adding the cross reference to the word genetic information. And then we're adding the term genetic information to the prohibited. Basis for discrimination. The next section, section six relates to long-term care insurance. The, the changes in subdivision B one are just technical changes. Subdivision B two a or B two adds substantive changes. To the long-term care insurance policies. By adding the same prohibitions. And protections to line up with the federal law here. Related to long-term care insurance policies. And then again, the same cross reference to the definitions of genetic testing and genetic information. The next section, section seven, eight and nine relate to. Social and medical services. So. Section seven relates to nonprofit medical service corporations. And they annually have to file a statement with the commissioner of financial regulation. To qualify for their tax exemption. And it has to include a certification. That they offer. They offer their plans. Their medical service plans to individuals without discrimination. Currently based on age, gender, geographic area, industry and medical history. And this would add genetic information. To that. And then correct the cross reference. To 33 VSA 18 11 f two a. And then add the cross reference to the. Definition of genetic information and title 18. The next change in section eight relates to hospital service corporations, which again, to maintain their nonprofit status, have to file an annual statement. Or to qualify for their tax exemption, excuse me, have to file. An annual statement that they operate on a nonprofit basis. And without discrimination again, based on age, gender, geographic area, industry and medical history. And this adds genetic information to that list. Then corrects the cross reference to title 33 and adds the cross reference to genetic information. And then finally, section nine addresses. 33 VSA one oh one, which relates to the provision of assistance and benefits by the state to individuals. And this adds to. And currently it has to be provided without restriction or discrimination on account of race, religion, political affiliation or place of residence. And this adds genetic information to that list. Of non-discrimination provisions. And then section 10 is the effective date. Thank you. Thank you. I apologize in advance. I think I missed the first minute or two of your presentation, but in. Wolven into your testimony was several times we reference federal law. So is this bill primarily to. Repeat federal law, but give enforcement powers at the state level or are there many substantive advances here? So what it does is it expands on the federal. Genetic information non-discrimination act or Gina. Which currently provides. Prohibitions against discrimination or. On the basis of genetic information with respect to health insurance and employment among other things. And so what this is doing is expanding that. Into long-term care insurance. In the state. And that's the big change. In this bill. Is that it expands on the protections provided by the federal law. Have many other states done this already or to your knowledge? That was the. Research that I did not get to today. What I was able to find is that in 2020. Or that's the research I didn't finish today. I was able to find those that in 2020. Or 2021 2021. Connecticut added this language. With respect to. Insurance for life, credit life, disability, long-term care, injury, accidental injury. Specific disease insurance hospital indemnity and accident insurance here. Related to. The genetic information protection. So they've added this protection to their law. And then. Main in. 2019. Added the prohibition. On life insurance companies. Obtaining. And using information from a direct consumer genetic testing company. And then. And then. The federal. For informed written consent of the individual who's been tested. So. Two other New England states have done. Portions of this bill. But I don't know that either have done, has done the entire thing. And. Unfortunately, I didn't have enough time to. Finish looking through. The federal. The. The national human genome research institute has links to. A genome state. Statute and legislation database that has information on this. I don't know how up to date that database is kept, but that's what I was using for my research today. And I'd be happy if the committee moves forward on this bill to. To do further looking through that database to find out what at the state level. Thank you. Okay. And we will have. We'll have to find the life insurers. It's not our usual suspects. But I think I have several located in Montpelier. And we'll see if we can find someone that does long-term care. We can probably. We can probably use DFR as a source for who we might contact. And. Probably should just send it up to human resources at the. State level since it requires they do something. Ask if they want to say anything. Anybody can think of anybody else we need to hear from. Let me know. Send it to someone else. I can think of anybody else we need to hear from. Let me know. Senator Pearson. Yeah, I wonder about. Senior groups, AARP or, or. Related folks. I mean. This does strike me as. Something well worth considering given our aging population. And frankly, the explosive. Data banks of DNA out there, but. I would love to hear from some consumer groups. Or folks. Which looks at thing nationally would be our best. Resource. Yeah. Although I'm reminded that they're an insurer. So. Yes, they are. It'll be interesting, but. Long their name. We could try to see in your center. Yeah. That's, yeah. The office on aging. In Vermont. Senator Hardy. I believe you and I, and perhaps Senator Lyons got an email from. UVM health network, and they've done some work in this area. And they asked if they could come testify. I could be wrong about that, but I'm pretty sure we did. Yeah. Yeah. If I got it, I haven't seen it today. Okay. It was a couple of days ago. I'll, I'll find it in Florida. I know you BM testified in health and welfare. And it was their genetic specialist. And her concern was that people put off. Being genetically tested. Because they were afraid there would be ramifications. So, I don't know if the results got out. And she felt that. Genetic testing was a really good thing because if you knew. You had a predisposition. You would get. Might get tested sooner earlier. All those kinds of things. So. Yeah, we'll make sure she comes down. Yeah. It may be too academic, but I was thinking there. UVM because. Why range of people they have working and stuff like this. Maybe there's a bio ethicist, you know, the right sort of person in terms of figuring out how you maintain this sort of. Data and rights. I mean, it's just an emerging area in terms of. The things that we never used to be able to learn. Oh yeah. I know that the Vermont ethics network, because we hit them up to see if they'd talk to us about the. Securities. Ethics. Remember the question that came from. Yeah. Administrative rules on setting up an ethics system. For securities. Yeah. And they did their response was they did primarily. Medical ethics and I'm. Ed Mahoney wrote us a letter in. Health and welfare and another topic, but he is a bioethicist that used to teach at St. Michael's. Those are. But I think the, and he's helped set up the ethics network. So they might be our best source. For this. I don't. Yeah. And we're looking at two issues.  And then what we're really looking at is does the health insurance or the life insurance company get it at all. This says they don't get it at all. But it's another step up. To say. And I'm not sure it's in the purview of this committee. What is, what are the restraints around what. 23 and me. And I don't know all the other ones that are out there. I know that one because my sister had our. Bloodlines run. And sent me the results. But we will. So we can. An artist center. Which one are you asking about? Which one of those two pieces? The third one I missed. Well, I think anyway, from the bioethics point of view, I just felt like that's an expert neutral party. They're not selling anything. They're not even necessarily that closely connected to medical services. They're not necessarily that closely connected to medical services. They're not necessarily that, you know, like delivering them. And the other side of the coin, I can imagine is. If you can get tests that are truly diagnostic. And, you know, does it. Does it create an opportunity for adverse selection? And so. I mean, that's a legitimate concern for an insurer. We want, we don't want people. We want to be able to do that in the future. And we want to be able to do that for, for having information sort of leaked about them. But I, you know, I suppose it cuts both ways. Right. You could find out something. And say, well, now I'm signing up for that. And once you know that we have position. So I don't know how you balance all those. Yeah. And that, that'll be a good law. We'll talk with DFR, we'll talk with the insurers. If I know.  The rest of the insurance, you know, that's going to get figured into the cost of the rest of the insurance market. So we'll hear from everybody.


The whole of Augustine's confessions always was, even in the biographical part, about what the universe is, what a human being is, why or how we are made in the image of God. This sheer brilliance is astonishing. It's deeply moving because he's a sinner. So are we. He was not in control of the story of this life. Well, we're not either. But this is the story authored by God, not by ourselves.


Hello my darling extraterrestrials, I am Kim. This is Dustmotes and Velikor, and today we're talking about the Last Namsara by Kristin Cigarelli. This was another e-audiobook from the library, which is a resource that I am so impressed with. My tax dollars are safe in their hands. The Last Namsara tells the story of Asha, a young princess and dragon hunter who bears the scars of both dragonfire and a decade of her people's malice. When she was a child, her city burned, and it was her fault. But her father, the king, raised her from her shame, gave her a title, and made her the most feared and the most fearsome warrior of their country. She was the Iskari, the destroyer, betrothed to a man who delights in hurting others. Her father gives her a secret task, she'll be rewarded with her freedom if she brings him back the heart of the first dragon. But the tapestry of her world, the past, the present, and the truth, is about to unravel, and she is the only one who doesn't see it coming. Asha is quick on her feet, a quick thinker, but she is not a good strategist. Even when presented with irrefutable proof that someone has lied to her about a huge aspect of her life, not once did she ever stop to think, maybe they lied about other things too. I spent a lot of this book going, no. No Asha. Asha, you're operating on false assumptions. Asha, don't do that, Asha, that's dumb! However, this book also explores the very subtle psychological warfare that is pitting an entire country against one little girl, naming her after a goddess who walked alone and died alone, betrothing this girl to a man who is as cruel as they come and then dangling redemption like a baited hook. A lot of Asha's decision making, which I as the reader know will get her into the hot water, is based on absolute truths, things that she knows. She is wicked, she is hideous, and she is irredeemable. She is utterly unaware of the emotional abuse that she is still suffering from. She sees it as totally deserved, and she makes her decisions as best she can from within that world view, and that is heartbreaking. Asha's story is a tale of myths and traditions of gods and monsters and heroes, and it's a tale of love. So if that sounds like something you'd be into, check out The Last Namsara, and then come and let me know what you thought. I love talking about books. Have you in thought?


The one thing that you have to continue to expect is predominant action to the sell side. You're also going to have one or two days, you know, through the week, maybe three, four days through the month that you're going to have. Welcome to Access a Trader, the number one community for those who are committed to taking control of their trading in order to achieve success, profitability and longevity. Thank you for joining us. Here's Dan Shapiro to help you find your edge, master your process and own your future. Hey guys, good evening everybody. Welcome to another edition of the Access a Trader.com weekend update show. Hope everybody is doing well.  We got snow. We got sleet. We got everything, right? We got everything. Hopefully everybody stays safe. The roads are absolutely aggressive but nothing's more aggressive than the downside market and what we continue to see on a daily basis. Again, Russia stagflation, right? COVID kind of still lingering in the background, but more important is sentiment, right? And there's after effects of what happened when there's damage, right? And that's kind of my most important part. And the 200 day moving average of all you guys who've been here, even for the last two months, this is where the stage has been set. There's been technical damage and that's exactly what it's been and hopefully that you guys have been watching the videos, you know, Monday through Wednesday and on the weekends, you know, hopefully if this is your first bear market, I think a lot of you guys are probably sharing that scenario. Hopefully I put you in the right in the right mind frame, right? That's the most important part there unless you're trading oil, right? Unless you're trading oil and you know, some other sectors have been pretty pretty, you know, commodities and stuff like everything's weak, right? Everything's weak. There's no such thing as a breakout, right? There's no such thing as a breakout in a bear market for the exception of oil, which is going still going bananas and you could see by the prices at the pump, but the market's weak. The market continues to be weak and you know, people get very, very so excitable when they see an uptick in the market and then they realize that uptick, you know, maybe lasts for a couple of hours, maybe lasts for maybe a couple of days, but the overall, the overall reality is very negative. So you can see here's the 200 day moving average. We lost it and you know, here we are, you know, this is, you know, two we're going on now two and a half months of this cell cycle and unfortunately because a lot of new traders never experience a cell bias market. Maybe you've seen a week, right? Because the market's been so strong from from Obama to Trump now to Biden.   Like I said, I'm not a bear. Okay. I'm just a realist.  Again, I would love to see a bull market. I would love to see everybody happy and fully invested and have multiple days of runners to the upside. But again, this is life, right? And we don't get what we want and the market is absolutely no different. And the most important part is to kind of level off expectations and kind of wake up to reality. And this is our reality. And if you are an active trader, we're getting some really good value on most days on the downside. Of course, you're going to have some days that the market's going to reverse and put up a move. But the overall common denominator behind every single bear market until the narrative has changed is number one, sellers are still in control. Buyers are are not giving enough, right? Giving enough credit for defending levels and those levels are going down very, very quickly. You also have a very aggressive spin cycle, which doesn't, you know, we all pray, right? We absolutely all pray that this is going to end any single day.  That's worth $300 billion.   And this is where kind of the market, you know, had that big 7800 point day and then it gave it all back the next two days because everybody realizes he's not serious. There's nothing serious about it. So this is going to be stretched out, right? So the one thing that you have to continue to expect is predominant, predominant action to the sell side. You're also going to have one or two days, you know, through the week, maybe three, four days through the month that you're going to have aggressive upside bias.   You are getting those updates in a bear market. Okay, so your job is to kind of wait it out, right? Being cash waited out. And if you don't trade to the short side, what choice do you have? You're going to start, you're going to start sitting there trying to pick bottoms. We know that's not going to happen, right? We know that that hasn't happened anywhere, right? Like literally, this is the second to lowest close in this whole formation here. The only thing that's lower is the low from March to the eighth and the way the market's going. You know, this is, you know, this is the area that it definitely wants to test. And ultimately this February 24th low of what was it? 318 on the Q. This is going to be a very, very big area of concentration. So far nothing has materialistically or news driven changed over the weekend. We're still high oil prices. We're still at war. There's still some traces of COVID. The mandates for masks have been removed in a lot of states, but again, still out there, right? Until it goes away, it's gone.  And unfortunately right now, our reality is war. Our reality is high oil prices. That's our reality and our reality and I'm sorry if you, if you're a new trader, we're to bear market, right? That's the best way to say it.   Again, who are you mad at? Right? Who are you mad at?  Nobody told you, you know, to buy Amazon at 3400, right? Nobody told you to buy, you know, Microsoft at three, you know, three and change, right? This is, this is you. So why would you possibly waste your time and aggression and emotional, you know, and emotional bullets fighting, especially on social media all things? You can't control this. We can't control this. We don't know where the market goes, right? We just, we're just making educational guesses based on technical analysis and if again, if you love technical analysis, this is, has been a really great market, right? It's been a really, really great market to the downside. As long as you are not chasing names that broke out three, four, five, eight weeks ago and start going in continuation and start looking for, continue to look for stocks that haven't hit their lows yet, but they're very, very imminent to start coiling and confirming very, very soon. So again, there's nothing, you know, there's really no reason to mix words. Again, this is the same mantra going into this week. The narrative hasn't changed, right? I'm so biased. Again, if we have a rally, right? If we have a rally at some point this week, okay, that's the market. The market doesn't go straight down, but the scoreboard is the scoreboard. The Dow and S&P, S&P lost about three percent. The Dow lost two. NASDAQ continues to fall despite this one really, really big move here. On Wednesday fell three and a half percent for the week. So going into this week, sell buys until we are not on no reason to kind of, you know, dance around that that's kind of where it is. If you've been watching this broadcast for even the last couple of months, that's kind of what it is. So you have two choices. Either be a grown-up and accept it and trade around it or even put yourself in a position that's on the sidelines from an investing point of view. That's cool, right? That's absolutely cool. Or you could be an active trader, trade both sides of the market, try to participate on both sides and every single day. Yeah, that's cool as well. But what's not cool is sitting there feeling sorry for yourself, bitching and moaning and complaining and commenting on every little thing and blah, blah, blah, blah. That's not productive. You're not going to get anywhere. And the most important part is guys, here it is, nobody cares, right? Nobody cares, right? Nobody cares what I say. Nobody cares what you say. Reality is reality. The market's either going to go up or the market's going to go down. So going into this week again, of course, I am sell bias until we have any reason, right? At least, at least, at least here, at least get above the 20-day moving average. If we can at least get above the 20-day moving average, which where we got rejected last Friday, if we could at least get above the 20-day moving average, at least we have a stand that says, hey, market looks okay, at least for a two, three-day bounce back rally. But until that happens again, sell bias. So action this week has been really good, really, really good action, you know, primarily obviously to the downside. The pivots this week have been really good Friday, which the funny thing is, and this is what's great about, this was great about the market. Like, if you guys remember, I usually don't record a Thursday video, but Wednesday I had to pick up my son from school, blah, blah, blah, so I recorded a Thursday video and I said, hey, I really don't love anything, right?  And slowly but surely, you started seeing things turn back to the downside.  And yada, yada, yada, like I said, Friday turned out to be a pretty, pretty really strong day that's going to obviously set the table going in for Monday. So let's talk about it. I actually had some pivots lined up to the upside, right? 861, 866, big levels. We all know Tesla got no way near 861, 866, put an initial pivot on NVIDIA cash flow, set up 234, rejected 334 times, never got there as well. Rivian had crappy earnings. Rivian has been a really good trader in the last two weeks at a downside. They came out with earnings, obviously not great. They never got back down to the $36 level of pre-market lows. So that one was kind of, you know, which was a very big mystery what didn't happen there. But then you started seeing slowly but surely names one by one getting, you know, really hit a docus that did come out with earnings, 7640s, twice pre-market. If it builds below for experienced traders only. Here was Dock U, right? Here was Dock U. It took out the pre-market lows, took out the pre-market lows, traded all the way down to 71. Nice move there. Overstock was great. I forgot. I think it was Gorin who gave us the heads up. That was great. Really, thank you very much. 4875 if builds below can flush. Here was Overstock. I wasn't even, I didn't have this thing even on my radar, but look at this move here. So here is the bottom daily channel. The low here was 4875. It took out 4875. It just got absolutely crushed. There literally wasn't an uptick on this thing the whole day. Traded down to the 44s.  It gets to 38. That thing looks lower. PSTG, I wasn't even watching. Did the PSTG do anything? I think I covered this on the night before. No, I never got to the 33 level. VRTX, congratulations for you guys who actually took VRTX to the upside. 243, 20, 233, 50 needs to build. This thing actually put up a $4 candle. Really nice move before everything replayed. So it took out this whole channel here. I think this is one of the names I talked about on Thursday's video. And it went to 47. Put up a $4, $5 move considering what the market did. It was pretty damn impressive. TDOC got absolutely smoked. 5950 if it builds below can flush. Here was TDOC, right? Took out the 5950. Traded down to 54. I still think this thing goes lower along with everything else.  I said there's a shot against the 85. Here is this, right? Traded right to 85. Here's the 83 and traded right to 85 to the 10 day supply which obviously then it got rejected. But good job for all you guys who did take some Boeing GameStop, right? We talked about GameStop the night before, right?  I get it. You know, you're not leaving. We're not leaving. Blah, blah, blah. I'm not being sarcastic. I'm not. But again, guys, again, this is the most emotional group. This and was the other one. There's a couple of mean stocks. BBY and the other one was the AMC. AMC, sorry about that. Brain fart. So GameStop, we talked about it the night before 98 and 96 big levels if it builds below it can flush. Here was GameStop, right? Here's GameStop. It took out the 98, took out the 96, traded all the way down to 92. I think if the market continues to be lower, I think this thing sees 86 which is the January 24 lows. This thing looks lower as well. VRTX 247 on deck. This was definitely my trade of the day. Baidu, they started coming. You guys saw, they started coming for all the Chinese stocks. Potential, I think that the news was Potential Security Exchange Commission delisting. You had Baidu, you had Alibaba, you had JD, right? I think there's a little one there. Dada with DD, one of these little stocks but this one was awesome. The reason why this one was awesome because it was like a perfect storm. I always talk about the one thing that you want to watch, even if you're not an options trader, if they start coming, the formula for me is daily chart confirmation. And if you see, if you see nonstop, deep out-of-the-money short-term expiration, that's like almost like a double and triple confirmation. So Baidu, we started seeing Friday's expiration. They were coming for the 130, the 125s, the 120s nonstop. And this thing got just shelled. I mean, in my wildest dreams, I didn't think this is going to be the move of the day. 132, if it builds below can flush. Here was Baidu, just got absolutely shelled. Destroyed. So here was the 32, right? Here's the 32. My last was at 26. I thought 26 was a good move. And then I watched it go down another, what, eight points? Just crazy. Absolutely crazy. Great move. I mean, absolutely great move on Baidu. UPST, 107 needs to build. Held twice. I kind of screwed up the trade.   So it took out 107. It just got absolutely, it closed at 100. If UPST loses this 100 guys, this thing loses the 100. This thing has a shot to 89. So I definitely like this thing as well going into here 129. And then it came up to 125, 126, 85, next supply, 127s and so on. So yeah, that's it. I mean, that's basically it's going into going into tomorrow, a Monday. Excuse me. I'm definitely, definitely sell biased as well. Let me give you guys a couple of names that I definitely like. Draft Kings. And again, everything looks lower, but look at this channel here on draft Kings. This thing looks lower. Game stop. We mentioned before that looks terrible. Checkpoint, right? Checkpoint. Look at, look at checkpoint. Lowest close after this whole rise here. If this thing starts getting below Friday's channels, look at the 10 points in this thing as well. You got DOCS. DOCS looks really, really good as well. Look at this channel here, right? Beautiful, beautiful channel held now twice. If this thing starts confirming we have room all the way down to 37. And look at Adobe, right? Adobe looks pretty good as well. As you can see here, it's right at the bottom of the February 24th channel. And if this thing confirms, it goes lower as well. So guys, have a great weekend, everybody. God bless. Stay safe. Stay warm. But the most important thing is stay healthy. Guys, God bless. I'll see you all in a minute.


Good afternoon, everybody. Pastor even good to join, good for you to join us. Yeah, well thank you. Welcome to Unfiltered. Today, Pastor, it's something that's still current and going on is the revival again. We spoke a little bit at Asbury and it seems to be getting traction and a lot of people are going and experiencing from themselves and there's long lines and even people are posting this is a true spirit of God, a true movement. And you go, it's really too early to tell but I wanted to get your feedback on it's been a few days since we've really brought it up and I think you're going to mention some of this in your Bible study tomorrow. Can you give us some updates or what do you think about this now? Has it been a few days since we brought it up? Since Sunday, we brought up in our men's mentoring class. Well, this isn't the first time that there's been a report of quote unquote revival and Asbury Seminary. I mean, back in 1970, there was a report of a revival that broke out for several days and so this isn't a new thing and it's not a new thing there in Asbury. The thing that I find interesting about it and I'll mention this in a little more detail though it's not going to take a large part of the study it's really at the introduction really relates to the importance of the word of God and the importance of the word of God as it pertains to him reaching people and changing hearts and inspiring and invigorating them by the power of the Holy Spirit and so it's really related to that. So with the Asbury incident that's taking place right now some people I call a revival. I find it interesting on the one hand we already spoke of this but I'll say briefly we as believers and I believe every genuine believer every genuine evangelical believer really is asking for the Lord to pour out his spirit and so revival is going to be the fruit of the power of the Holy Spirit as he moves upon people and as he brings them to a place of repentance and it's going to be centered on the word of God. So when someone is claiming that there is a revival taking place the first thing we have to do and we should do is to spend some time investigating whether these things are so. There are those who are saying oh you're trying to quench the power of the Holy Spirit you're being critical and that is the typical response of those who don't read their Bible the typical response. Now I'm not saying that they're necessarily insincere Christians I would think that the person who was so quick to say that more than likely has a real desire to see God move maybe to the point where they're not using discernment because they'll say do not despise prophecy you know they'll say do not quench the spirit. It's interesting that Paul spoke of that to the Thessalonians and he said that they're not to quench the spirit they're not to despise prophecy but he went on to say but prove all things. And so human emotion being what it is and the heart of the human being being what we have as a heart which is prone to failing to judge or be critical in our analysis of things. If we like it we accept it that kind of attitude. I think that it's interesting to see so many who are very quick to say oh it's the real deal. I don't know how you know whether it's the real deal in a couple of weeks. The real proof of revival is the fruit of revival like I've mentioned again I'll be sharing this about Josiah how that he received the kingdom when he was around eight years old. He served as king for the nation for I think 31 or 32 years and as the temple was being cleansed and the book of the law and one commentator said that more than likely it was the book of Deuteronomy but it is not stated but the book of the law was found. And then the priest read it and brought it to Josiah and read it and then it caused him to grieve and then he assembled the people and the priests and all and read this to them and then there was a command that went out for them to return to the word of what God has commanded and then the nation went through a time of spiritual life being revitalized and see that's what happens. Just because there are numbers of people showing up for something doesn't make that a genuine revival. I don't know why people don't see that but they don't because perhaps it's the longing of their hearts to see God move and they want to see God move. Who does it? I do you do. But the idea of traveling to experience something like that, if you're not experiencing that kind of presence of God in your devotional life and your prayer life, it isn't something you go to catch.  From everything I've read and from firsthand a firsthand report of an individual who was there pointed out that there'll be scripture quoted perhaps but what apparently was the catalyst was the teaching out of a passage in the book of Romans chapter 12. And people that the students just responded to that they wanted to love and all of that's good. But if it's not built on the word of God and there's not a discernment amongst those who are celebrating and evangelizing this and the quote unquote pastors who are sending their staff there to experience it. I don't know what they think they're gonna do. Put it in a bucket, bring it back and pour it on the church. It makes no sense to me. So on the one hand we all want revival and no I'm not going to be as the early Christians were when Peter was jailed they had a prayer meeting and seeking God to release them and then Peter shows up at the door and they don't believe it's him. I don't want to be that Christian but I do believe that you test all things, that you see whether they line up with what scripture says that you make sure that as a believer you're spiritually mature enough to discern the wheat from the chaff. And so I think it's wise to have a wait and see attitude. I also believe it wise to say God fall upon us and every church ought to see that this perhaps is a work of the Lord. I'm not saying it's not but if so Father we want your spirit to move amongst us too. And yeah that would be amazing. And in some ways we see even with our own fellowship God doing a good work and the word is taught here. My concern pastor is the expertise that is now coming from young people who are now claiming this is a real deal when I received a video from one of the brothers here at the church showing that somebody was there for five hours and not once was the word of God even given. And so my concern with especially the younger folks that are folks that shows I'm old that are quick to use emotionalism to peg it as a true movement of God. And that tells me that are they really in their word then to see the instances where God moved his spirit moved when on Pentecost or when Peter was preaching the word of God we saw the spirit moving. And so we see those examples in the Bible but yet some people are so quick to say you're just quenching the spirit of God. But you know here you go a great segue into this scripture. Yeah the Holy Spirit fell upon the 120 waiting in the upper room. They poured out speaking in unlearned languages speaking in tongues. But those who are around began to mock them and they said these men are filled with new wine and what is it that the apostle Peter did? He said men of Israel listen and he said these men are not drunk as you suppose but he went on to say but this is that which was spoken of by the prophet Joel who said so whenever a spiritual event occurs it needs to have a biblical foundation or else it's suspect. And so the problem we have is the emotion laid in Christian today the young expert who Googles spiritual answers without experiencing times of meditation and seeking God themselves other than well I wonder and then they type out something now they're a genius because they read something you know that's what's taking place in a lot of places I'm not saying everybody I'm saying that it is. And then I have read the comments that are being made and many of them are just don't quench the spirit and you're a judge and don't be critical and all of this is just if it's the spirit of the Lord then why is the church attacking itself? Why is the church not following Christ's words when he said that you're not to judge according to appearance but he said you judge a righteous judgment? Jesus told us to do that from Deuteronomy from the Old Testament to the New Testament it speaks concerning the scriptures give us so much concerning false teachers, false prophets, false spirit, a false gospel. I'm not saying this is false at all I'm simply saying you test to see whether it's true and how do you test it by how you feel? Well if you're a Mormon you can say oh I have a Holy Ghost burning in my heart so by my feelings I know it's true. But is that how Christians are supposed to be done? No, are we supposed to judge things by outer appearance or are we supposed to pray and seek the Lord look for scripture and then wait on him to move and to make a right judgment? I'm telling you the church is not led by babies the church is not to be led by spiritually immature who are emotionally laden and those who are of that sort are more dangerous in the body of Christ than of hell. So a wiser and more mature and a spiritual reaction to this is pray that it is real, pray that God is moving and pray that should he choose Lord fall upon me too, every church should do that but when you're putting your staff into a plane having them stand in line for five hours they come back and tell you what they think is happening and then they see it's the real deal with no scripture with no support of any sort they're just emotionally laden like the rest I don't know and I'm not knocking it I'm saying we've been praying for this a lot longer than most people that God would fall and then finally and I know our time is up but finally I don't like it being compared to the movement of when the Jesus movement I don't like that, I don't believe that it's accurate or even true there are those who are saying that Pastor Chuck said that it was those who were sparked by the Asbury revival that were the light there and that's just not true, I was there I don't remember ever hearing you know what's happening here in Asbury Theological Seminary that we were already seeing God move and so John I just think that people need I don't want to quench the spirit I just wanted to flow in it properly according to God's word and I'll stop I wish I had more time maybe this is something we can visit down the road is what are the comparisons that you see and comparisons or differences that you see being part of the movement and seeing this from an outside perspective because what I mean outside it's not happening here in regards to location but you've seen it from a distance I'd like to one day check out what those look like in the similarities and the dissimilarities that you see I'll like to tell you this and we'll close with this John because I don't want to hold him any longer I can say as this is there was in the movement of the Holy Spirit that we experienced it was centered on the word of God there was no emotion at all there wasn't a hyper-emotionalism at all at Calvary Chapel we'd sit on the carpet and we'd hear a Bible study we'd worship the Lord in song and we'd tell people about Jesus so people may have come to try but normally the people who come to try to do that are people who are spiritually dry because they're just not seeking the Lord in the way that they ought to in the first place so I want to get ignited by what's going on with you you do not get on fire necessarily just because somebody next to you is you seek the Lord yourself and Lord I want that in my life and so again, you know oh I'm just an old man what do I know I've only been teaching 49 years John what do I know, right I'm a veteran of the Jesus movement or true revival but there's going to be somebody who hasn't been saved for four years who's questioning well I don't respect that that is just an immature evaluation you need to pray through seek the word and ask God move on me what's wrong with that and time will tell time will tell Pastor, thank you so much for sharing that and thank you guys for tuning and just a couple of things tomorrow is our Wednesday evening service we're taking us through the book of Romans I invite your friends and family to come join us it's been so far a rich study and a lot of scriptures and just great foundation to be built on God's word and then on Saturday for any of those who serve in any capacity at our church we have our servant Saturday ministry morning at 9 a.m. in the banquet hall and so Pastor David likes to invite you guys to come out who those who serve in our church in any capacity like to have you join us and Q and A some worship and we'll see what the Lord does thank you guys for joining us God bless you