How are you guys doing? This is your boy Rich from Rich TV Live and Rich Picks Daily where you can join the club and you can win big. We've got our world famous top 10 stocks for January 2022 right here, right now, exclusively on Rich TV Live. Now, if you're not winning, you're probably not watching. We bring in the winners and we bring them to first, seven out of our top 10 picks are dividend stocks, which means they pay you to hold and we love Bitcoin. How do you like my Bitcoin? We got a real focus on Bitcoin in 2022 and beyond. We've been talking about Bitcoin since 2017 when it was at 1,000 American. Today it sits at 47,000 American. Let's take a look at our top 10 right here, right now, exclusively on Rich TV Live. Don't go anywhere. Don't touch that dial. Look at the biggest and the best companies in the world. And we like to look at some of the smallest companies in the world, but at the end of the day, we're always looking for the best opportunities in the market. So in number 10, Altria Group. My 10th pick is Altria Group. So we're really trying to focus on finding companies that are undervalued, underappreciated, underexposed. If they pay a dividend, that's a huge bonus, but we want companies that can go up and pay us a dividend in 2022. I think Altria Group can do that. We can see here that the low lows, we're gonna mark the low lows in the high highs. So for the last year, we're gonna look at the one year chart. For the last year, we can clearly see here with Altria Group that they've hit a high high of $52 and they hit a low low of $40. They're currently right at 47, kind of in the middle. So we believe that there's a lot of upside for Altria Group and we love their dividend, a very nice dividend, a fat dividend at Altria Group of 7.59% dividend. Look at the bottom right of the screen, a 7.59% dividend yield, too big to pass up on. That's why there are number 10 pick for January 2022. You can book it, Altria Group, put on your watch list, put on your radar, our 10 pick for January 2022. And we love dividends and they've got a very, very fat dividend of 7.59%. Now in number nine, speaking of dividend stocks, Enbridge. We love Enbridge. They've got a big dividend. This is the Canadian side. It is paying a 7% dividend. Enbridge is, you can see here the high high for Enbridge at 54 when oil was really ripping and it's come back a little bit, but it's been a huge winner. Let's see here. All right, let's mark the high high. So high high of let's say 53 and the low low of once again around 40 and we're sitting right at 49. Now I'm not saying that we couldn't see this dip. I believe that these levels of lower are buying opportunity. Once again, a 7% dividend to hold Enbridge, one of the top oil and gas energy stocks in the world, ENB in Canada. Let's see what their symbol is in America. I believe it's the same ENB in America as well. Let's take a look at the price in America. Currently in America priced at $38. So we like them in America. We like them in Canada and we love the 7% dividend for Enbridge. Our number nine pick for January 2022, a huge dividend. And if you're looking for an energy play you gotta look at Enbridge with a 7% dividend. This is one of the top plays in Canada. And if you're looking for a dividend trade, I think, and you're looking for an oil and gas play you need to look at Enbridge. So there are number nine pick for January 2022. In number eight, Wunderfai. We love Bitcoin. We love cryptocurrencies. We love Wunderfai. They're launching their app January 25th. That's why I believe we need to put Wunderfai on our watch list. We need to put them on our radar right here, right now at these levels. I think the upside is absolutely tremendous for Wunderfai. Kind of creating a floor at these levels. Currently at $217 in Canada, $166 in America because they're launching their app January 25th. I think that could be a huge catalyst for Wunderfai. Put them on your radar, put them on your watch list. I think Wunderfai has a huge year in 2022 and we love Bitcoin and cryptocurrencies and Wunderfai is all about DeFi, decentralized finance, cryptocurrencies and you should put them on your radar, put them on your watch list. We think they're gonna be a huge winner in 2022 and I believe in January it starts, put them on your radar and I'd love to know what you guys think about these picks. Wunderfai are number eight pick for January 2022. If you agree with these picks, smash the like button, comment down below, share the video everywhere and subscribe if you're alive and love to know what you think about Wunderfai. In number seven, another dividend stock we've never talked about on our show but I think has huge potential Coca-Cola. Look at the trend on Coca-Cola. I always say the trend is your friend. The trend on Coca-Cola has been up and it's right around an all-time high. So Coca-Cola is trending up. I think this momentum continues. I think investors are looking for the biggest, best assets in every sector and they're pouring their money in, especially dividend stocks. Let's take a look at the dividend on Coca-Cola. A 2.85% dividend on Coca-Cola, still only $58 when you compare it to all of its peers and all the billion dollar companies that are out there. Most of them are trading over a hundred. Some of them trading over a thousand. Coca-Cola is at 58 bucks. To me, that's affordable. I think Coca-Cola is good at these levels. I think it continues higher in January and you get a nice dividend. Put Coca-Cola on your watch list. Put them on your radar. Our number seven pick for January 2022. And in number six, one that I own, I want more. I think the upside is tremendous but I absolutely love their dividend. This is one of the richest companies in the world at the lowest prices. That is bingo for me with the highest dividend. Perfect AT&T, full disclosure. I do own 1,000 shares of AT&T. That dividend is so healthy. 8.44% dividend, incredible. Which means if you had $100,000 invested in AT&T, you would make $8,000 a year, $2,000 a quarter just to hold your AT&T. That's just too good for me to pass up. I do own 1,000 shares. I'd like to get more. It dipped down to 21. That was an amazing buying opportunity. Right now at 24, I still think there's upside from here. So put AT&T on your radar, on your watch list. They are our number six pick for January 2022, a healthy dividend, undervalued, ton of money and huge growth opportunity for AT&T. AT&T is one of the richest companies in the world with the biggest dividends at the lowest prices. Bingo, bingo, bingo. You can book it. I love it. I own it. What do you guys think about AT&T? And another huge dividend. In number five, we're now in our top five, Intel Corporation. I've never talked about them, but I like them. And I think that the upside is tremendous. You can see here, if we do a one-year chart that their low-low is 48. Their high-high is 68. Currently at 52. I think the price is right for Intel Corporation. Another one of those companies that pays a nice dividend, a 2.68% dividend. I think it's at the bottom of the zone. I think the upside is tremendous. I think it's setting up to have a big 2022. And I think that with the dividend, with the fact that they're a huge company, one of the top richest companies in America, one of the top 100 companies in the world, and the fact that they're priced at these lower levels with the dividend screams bingo. And that's why I've got them in my top five, Intel Corporation, INTC. I think it goes much higher in January 2022 and beyond. That's why they're my number five pick for January 2022. In number four, a company I've talked about before, I absolutely love PayPal. You can see the right in our buy zone. We marked these zones off. Guys, look at the upside here. They hit $300 in 2021. They just hit their low of 178, currently sitting at 191. I think anything at 190 or under is a good buy. It's creeping a little higher than that. I really like PayPal in January 2022 and beyond. I think it's a screaming buy. Upside is tremendous. And it's one that I would like to buy. So if I do buy, I'll let you guys know. And if you're part of our trading club, you know first anyways. So just join our club at richpicksdaily.com where you can learn about these types of trades before I go public with it. I absolutely love PayPal. I think the upside is tremendous. And I think this is one that doesn't have a dividend but can make you a lot of money on the upside. What do you guys think? Do you agree with me? PayPal, my number four pick for January 2022. Now my number three pick for January 2022 is Pfizer. Another dividend stock pays a dividend of 2.78%. So a nice dividend. It's been one of my top trades for all of 2021. I still think it continues to go higher in 2022. My attitude with Pfizer, I'm not holding it right now. I just sold me over 20,000 on my last trade on Pfizer. Been killing it on Pfizer all year long is bite on dips. By Pfizer on the dip, vaccine, one of the top vaccine stocks in the world, they've gotten a pill now for the COVID which is going to make them up to $30 million next year. $30 billion with a B next year. I think that this is a company that continues to grow. And when you compare them to their peers could still be considered undervalued to pay you a dividend still under $60. So I think that there's some upside here. But Pfizer on your radar, on your watch list are number three pick for January 2022 and beyond. And they've been a big winner for me and our community for all of 2021. And I think that trend continues going into 2022. That's why Pfizer is my number three pick for January 2022. In number two, this is a new one I've never talked about but I looked at the chart and it was just screaming at me, buy me, buy me. Another company with a nice dividend and I just, it feels like AT&T, right?  You can see here their low-low was 49, their high-high was 59. Right now sitting at 52, I think the upside is tremendous with a nice dividend. Another one of those companies, top 100 company in the world, a lot of money, a lot of growth potential near the bottom with a nice dividend. This is what I'm looking for right now in this type of market environment. I'm looking for safety plays, I'm looking for dividend stocks, I'm looking for great companies that are on a dip or great companies that pay a nice dividend that are on the low part of the zone and that's why I got Verizon Wireless as my number two pick for January 2022. A number one, SoFi. I should have done this video yesterday or even a day before when SoFi was just sitting right in our buy zone at 14. Everyone in our trading club is talking, a lot of them are buying SoFi. So that's why they're our number one pick and we love cryptocurrencies. We love Bitcoin. Bitcoin is exploding with opportunities. SoFi is heavily involved in the crypto space. They're also doing loans for students. I absolutely love SoFi. I think the upside is tremendous for SoFi in January 2022 and beyond. You can see our chart here. They're just literally sitting right in our buy zone but you can see that the upside is tremendous. I think in 2022 we see SoFi get back to that 24 zone maybe higher, which is an absolute huge move from today's prices of 1564 and it's up 8% today. It was in the four teams before today when we were screaming buy to everyone in our community. I should have listened myself, but it's okay. I'm letting the people know here SoFi is our number one pick, numero uno and it's because we love Bitcoin. What is happening with Bitcoin? DeFi, Metaverse, Web 3.0. What else do we got? There's so much happening with Bitcoin right now. NFTs, so much happening with Bitcoin and SoFi is all about the Cryptoverse, decentralized finance and providing you the people with alternatives than traditional banking. SoFi is wonderful and that's why they are our number one pick for January 2022 and beyond. If you love Bitcoin, if you love cryptocurrencies, if you love digital finance and we believe we are living in a digital world and the whole world will be digital in the next 20, 30, 40, 50 years you need to get into the digital world yourself in my opinion. I'm in it, I hope you're in it and that's why SoFi is our number one pick for January 2022 and beyond. They're having a nice day today, up 7% right now. What do you guys think? Is your board rich from Rich TV Live? Now remember, Rich TV Live is strictly for information education purposes. Always do your due diligence, always do your research before you invest in anything that we talk about or discuss here on Rich TV Live. In saying that, I think this is a very special list.  This is a list that can make you richer and seven out of our 10 picks are dividend stocks. This is what you see is a changing of the guard for Rich TV Live. We are now more focused on the biggest and best companies in the world, dividend stocks. And as we grow and evolve as traders and investors, we're gonna be more and more focused on dividend stocks and the highest yielding stocks in the world. And in 2021, stocks that are associated or involved or investing in Bitcoin and cryptocurrencies have absolutely exploded. And we believe that trend continues in 2022 and beyond. What do you guys think? Comment on the video. Is your board rich from Rich TV Live? And Rich Pigs Daily, join the club at richpigsdaily.com where you can join and win. Let's have a huge year in 2022. And it starts right here, right now with your board rich from Rich TV Live. Make sure you subscribe. Thank you for watching, everybody. If you're not winning, you're probably not watching because we bring you the winners and we bring them to you first. Merry Christmas, happy new years. Have a wonderful 2022. This is your board rich from Rich TV Live and Rich Pigs Daily with our top 10, our world famous top 10 stocks for January 2022 and beyond. And we're out, peace.


good morning everyone I want to first of all to appreciate everyone of you for praying for me when I was with the hospital I'm going to share with us this morning about John Jonathan Edward first of all I want to said who is Jonathan Edward. Jonathan Edward is an evangelist and he was born in October 5th, 1703 in this weather he is a man that was torn around the revival in his time I want to say during his school during his undergraduates in 19 in 1706 1716 to 1720 and he graduated studying in 1721 and in 1722 at Yanle College. Edward was engaged in contemporary issues in theology and philosophy. He studied the debate between the objects and quickly let me just go through what is during this revival in his time oh that's fantastic thank you so much I appreciate that and at Yanle Edward rates onwards a true thief on immatural philosophy and metaphysics simultaneously with an yet the stitch from the great English guidance. In light in 1726 he was a serious grandfather. The pastor of the church in multiple mosquitos. The religious and misinflation church outside of Boston. Tommy is attention from the theological pursuit of his of infallibility years to more practical matters. He got money to Sarah in 1727. Naxis your voice is breaking. Can you recheck your network please. Is it clear for everyone or it's only for me the voice is breaking everyone in the class able to hear success. Now we can hear you but before that voice was breaking and we could not you were you were not audible yes I think it's not okay please just give me two minutes let me understand my network is very high so you're good now actually we're able to hear you now okay I'm good now yes yes okay thank you so much on that I'm trying to get my distance okay as I was saying what are the folks to work I said that it became a pastor when he succeeded his grandfather Solomon's tattoos as the church pastor the first thing right in 1734 to 1735 it was over so some of the initials steering of the first a great working in great international fame as fame as a revivalist and geologians of the arts after publishing a fake to narrative of a surviving work of God that's happened in 1738 which is described at great a wiki in his church and serve as empire murder for American and British to revivalist alike in in 1740s this network is getting problem yes you can hear me right now the first and greatest old-time American philosopher eight words in his time we thought of his wife as when he was as young when he was young there are 10 things I notice about him that I want to capture that everyone know number one he came from a large family with a password that heritage that's when he was born in his adults secondly a broad genital in also conversation and work of satisfaction came through the struggle everything about a mission was a struggle for him certification was a struggle from a childhood was a struggle that can be seen in 1721 number three a pastor is first church when he was 18 years old as teenager at ease to tell you that God I don't even want to use it but five it's the largest channel in ministry was serving as a systems and then pastor of the church in his own time that can be seen August 29, 1726 in February 15th 1727 it was a game and on the levels 1729 stuff it died and able to become a pastor of the church must see he was a key player in the first great working and this working turn around the year you extend and England the church where he serve the long fire day and I asked why did they fire them with such and writing that upon June 22nd 9th 1750 it was voted out of his personal in the stand several is a sighted of his dismissal requested for an increase of salary me and Sarah had a little children he responded to the burning among the youths is somewhat on the back books and population of the innocent some young men are gay asset to the midwives manual that contains image of his female autonomy and use it to touch to teach the truth in the young women in time so about 20 230 men who voted only 23 stood in his favor so that is why he was voted out it's a missionary to the Indians and the president of press call before is dead that can be seen in my in 751 last week on that note before last month you wrote an atomic numbers of books on the velocity of subject defined there were five seventy three volumes reason why many of this volume contains Simon the literacy input a word produce that's a point in India now water is legacy is legacy of morning and delighting in the gravy of gold restorates in the church today it's a man of fire and he will serve and he will do well for any I want to talk lastly on the mission post this on time we went to the mission post of stock bridge on the western border at the sometime where he served from 1951 to 1957 he passed on a small English congregation was a missionary to the 150 family and wrote many of major work including those that address the one now I want to talk about his miracle what he did do during his time which salvation and the money they live in him I think that's all I can do right now because I do I don't find my flash yet but actually I will send the flash as soon as I get back to the office because it's compressing motion thank you thank you thank you Jonathan I'm sorry thank you you know for sharing on Jonathan Edwards and it was amazing yeah so yes when we look into Jonathan Edwards like we also see he was a very influential man and he was a man of highly intellectual character of one among the American American Americans and he was widely read in the British Isles so in in a general revolt against puritanism and Calvinism after the American Civil War so Edwards Prestige you know was declined and he was remembered mainly has a hell fire preacher and he was a he was an like just like a what Enoch said he preached his messages or the sermons was like fire man among the American minds yeah thank you Enoch for sharing on Jonathan and Edwards and have we left out anyone is there anyone yet to share the presentation Tracy are you ready with your presentation yeah yeah everyone can go ahead and share your views of feedback on the presentation of Enoch it was wonderful thanks Enoch for sharing Tracy is your presentation ready would you like to present okay okay maybe for some problem Tracy is not able to respond we will continue with a class today okay today we're going to study on another person okay David Livingston let me present to the presentation give me a minute the presentation is seen okay so today we're going to discuss our on David Livingston he was an explorer missionary and an anti-slavery campaign he became a great hero of the Victorian era for his epic discoveries in the heart of the unexplored Africa so he sent the last six years he spent the last six years of his life almost you know cut off from the outside world and he lived among the tribal the African people and he literally the way he connected with them or he developed a relationship with them he literally refused to leave Africa for any reason so if you look at his early life David Livingston was born on 21st March of 1813 in the mill town of Blantyre Lanarkshire Scotland his father was a committed Protestant Sunday school teacher who took a little interpretation of the Bible so we see that his father's religious influence played a key role in influencing the young David as he grew up where with an aspiration to become a missionary of himself so from a very early age we see that David was fascinated with geology science of the natural world so due to his father's influence he worried that science might conflict with religion but however after reading Thomas Dick's philosophy of a future state David was able to reconcile religion with science so due to his family's poverty we see that David had to work long hours in a local cotton mill from the age of 10 to 26 at a very young age we see that he started working to provide or to meet the needs of his family so despite the long hours he found himself to study after work so his work in the mill in Mureham with a classic Protestant work ethic so this experience left him with respect and empathy for workers and worker slaves so in 1836 we entered Anderson's College in Glasgow to train as a medical missionary so due to the outbreak of war in China it was suggested that David traveled to Africa to work as a missionary there so this is how he moved to Africa so David Livingstone enthusiastically traveled to Africa we strengthened his ideals of becoming a Christian missionary searching for a greater scientific discovery improved commerce and the abolition of slavery so one of his quote he says that I cannot love of Christ can't the love of Christ carry the missionary where the slave trade carries the trader so I shall open up a path to the interior or perish so what happened however in Africa he realized the difficulty of making converts to Christianity so during the 1840s he gained only one real convert of Christianity just imagine out of all his hard work there's only one person that he could transform or he can make him to receive Christ but then what happened later we see that he also narrowly survived death after being mauled by a lion in 45 in 1845 he married Dr. Robert Muffins eldest daughter Mary although Mary had lived in Africa since she was four she did not share a hundred I mean husband's interest in exploration although they had six children David spent little time with this family especially towards the end of his life so his wife Mary came to suffer from alcoholism and David admitted that one regret he had was that he didn't spend more time with his family so these are small things that we can learn from different missionaries like yes as we serve the Lord and or as we serve in the mission field we need to pay equal attention to our family as well you know because our family should not suffer and yeah we need to pray and uphold them so that they will also share the same love or same a zeal towards mission and see to it that you know as a family we serve alongside you know in the mission field serve God in the mission well after this initial period David Livingston increasingly turned his attention to the exploration of the African continent which was largely unexplored by the West ends so we see that David Livingstone renamed the waterfall the waterfall that was there as a Victorian falls in honor of Queen Victoria so in 1854 to 56 he made the first successful transcontinental journey across Africa from Launder on the Atlantic to Culema on the Indian Ocean okay so we see that some of the great success of David Livingston as an explorer partly because of his ability to get on with the local tribal chiefs so he traveled lightly without soldiers and his non-confrontational approach made it easier for him to be welcomed among the African tribals so the he was he was in a very good relationship he was he was welcomed by the African tribal so this became a good foundation for him to start sharing or preaching the Christian message but it did not force the chief tribal to accept it so like some of the some of his contemporaries so however although he had good qualities in enduring himself to the locals he was less praised by the fellow members of his own group so he was often criticized for his poor leadership and judgment so being subjected to the different modes and intolerant of criticism his fellow physician like John Kirk said of Livingston that I can come to no other conclusion than Dr. Livingstone is out of his mind and a most unsafe leader these were some of the quotes that his own fellow members commented about him but nothing stopped David from ministering to the Africans so what happened the other members of the Livingstone servants later expressed admiration for the for the determination of Livingstone had in the times of difficulty and even when he was sick he continued to minister among the Africans so at the end of 1850 we see that he resigned from the London missionary society to do it more time to exploration so he received a commission from the Royal Geography Society and this helped fund an exploration of River Zambe Zambsi so what happened so in 1866 we see that David Livingstone returned to Africa for a mission to discover the source of the Nile so he never quite attended the goal but it helped him to fulfill in details about the great lakes of Lake Tanganyika and Lake Meru so Livingstone also helped to identify some of the lakes there and unfortunately on his expedition he again lost helpers due to illness or desertion he also had supplies stolen and this required him to depend on the help of the slave traders which annoyed him so as he was in the serving period he suffered a variety of tropical illness due to the weather and the living condition they threw out his life so David Livingstone he died on the mission field with a dysentery and on May 1st 1872 at the age of 15 he passed away and he was known as a man of prayer as he was serving among the slave trade when he wants to abolish the slave trade among Africans he ministered to them and in his ministry he was a man of prayer people the Africans noticed him always kneeling next to his bed and praying with his hands joined so even when he passed away he passed away knelt in prayer this is how he was in the position when he passed away and the local African attendants like some of them who were very loyal to David Livingstone some of the names are listed but I'm not able to pronounce it correctly let me try like Chuma, Sousa, Nysa, Kyopare way somewhat reluctant to give up on Livingstone so in the end they say like you know David Livingstone you know he had no reason he was so attached to Africans and the slaves the tribal people who lived there that they said his heart was connected here he had no reason that he will leave this place but then when there was a demand that his body need to be carried back to England but the locals came up saying that no matter way you can carry his body but his heart will be for the Africans so you know this is what they did at the end they cut out his heart and they buried it in a buried it in Africa saying that it is a and they they commemorated with saying special memorial at the village called I la la near the edge of Bangui which is in Zambia so his body was taken to the coast where it was put in a ship to England and his body was buried at Westminster Abbey Abbey at England so this is the story of David Livingstone with that we will move on to the next person let me change the slide yeah this is some of the code that David Livingstone shared if you have men will only come if they know that there is a good road I don't want them I want men who will come if there is no road at all so here he's talking about the simple attitude of serving you know we need to step in with the heart of serving not knowing the comfort here and there's also another beautiful code shared by David Livingstone is I would rather be in the heart of Africa in the will of God than on the throne of England out of the will of God so we from these codes we could make out is love towards the Africans and the tribal people among whom he served during this last period before his death yeah but that we will move on to Hudson Taylor yeah Hudson Taylor was a missionary to China he was also a German Evangelical Lutheran missions he formed it in 1843 and his full name is James Hudson Taylor and he was a British Protestant Christian missionary to China and the founder of the China England Mission which is in short known as CIM now OMF International it's known as OMF International so Taylor spent 51 years in China the society that he began was responsible for bringing over 800 missionaries to the country who were who began 125 schools and directly resulted in 18,000 Christian conversion as well as the establishment of more than 300 stations of work with more than 500 local helpers in all 18 provinces so Taylor was known for a sensitivity to Chinese culture and zeal for evangelism so he adopted wearing native Chinese clothing even though this was rare among missionaries of that time so under his leadership we see that the CIM what is the full form of CIM China inland nation okay the CIM was singularly non-denominational in practice and accepted members from all Protestant groups so including individuals from the working class and single women as well as the multinational recruits primarily because of the CMI scamping against the opium trade so Taylor has been referred to as one of the most significant Europeans to visit China in the 19th century so now we see that there's no other missionary in the 19th century since the apostle Paul had a wider vision and had carried out a more systematic plan of the evangelizing on a broader geographical area than Hudson Taylor we see that Taylor was able to preach in several varieties of Chinese including mandarin chaozo and oof dialects of Shanghai and Ningbo the last of these he knew well enough to help prepare a colloquial edition of the new testament written in it um well if you look out his early days Taylor was born on 21st May 1832 and he was a son of a chemist and a Methodist lay preacher James Taylor and his wife Amelia so as a young man he ran away from the Christian beliefs of his parents well at 17 after reading an evangelicy track uh or a pamphlet titled poor Richard he professed faith in Christ and in December 1849 he committed himself to going to China as a missionary and at this time he came into contact with Edward Corrin of Kensington so one of the members of this first missionary missionary party of the uh primord brethren to back down so it is believed that Taylor learned his faith on mission principles from his contact with the brethren and Taylor was able to borrow a copy of china so in uh we see that he quickly read that about this time and he began studying the languages of some of the chinese language way he was preparing himself to go and minister at China so we see that along with his desire he started to prepare to fulfill the vision that God has uh or fulfill the purpose that God has put in his heart so we see that Taylor left England on 19th September in um 1853 before completing his medical studies he departed from Liverpool and arrived to Shanghai China so on 1st March 1854 nearly um there was a disastrous voyage abroad the clipper dumb fries through an early passage near Buru island lasted about five months so in china he was immediately uh was faced with the civil war throwing his first year there into turmoil so Taylor made 18 preaching tours in the vicinity of Shanghai starting in 1855 and was often poorly received by the people of china even though he was brought with his medical supplies and skills he made a decision to adopt the native chinese clothes and and the pigtail with a with a shaven forehead and was then able to gain an audience without creating a disturbance so it is very important that you know the outlook of a person to uh to minister to people or to a different set of audience um you know um yeah just like what uh Paul said like you know to a roman be a roman to a jew yes our our attire the way we portray ourselves also matters when it comes to sharing the gospel so previous to this Taylor realized that whatever event he was being referred to as a black devil because of the overcoat war so he distributed thousands of chinese gospel tracks and the portions of scriptures in and around Shanghai and during his stay in Shanghai he also adopted and cared for a chinese boy named handpan so scottish evangelist uh william clamor burns of the uh english presbyterian mission began work in shanto um you see that uh how he ministered in this area and he was received well by these people just give me a minute he was received well by the people and in 1858 we see that Taylor married maria jane dire the orphaned daughter of the reverend dire of the london missionary society who had been a pioneer missionary to chinese in penang malaysia so Hudson met maria in ningbo where she lived and worked at the school for girls which was run by one of the first female missionary to the chinese uh that was mary ann albersey so as a married couple now the tailors took care of an adopted boy named finance tyan c while living in ningbo they had a baby of their own that died late in 1858 and their first surviving child was graze was born in 1859 shortly after she was born the tailors took overall of the operations or at the hospital in ningbo that had been run by william parker so in a letter to his sister amalia Hudson Taylor he wrote on 14 feb 1860 he says like this if i had a thousand pounds china should have it if i had a thousand lives china should have them no not china but christ can we do too much for him can we do enough for our pressure can we do enough for our for such a precious savior so because of his health problem in 1860 Taylor decided to return to england for a furlough with his family the tailors sailed back to england brought to to the tea clipper jubilee along with their daughter graze and a young man went lunch from the brit street church in ningbo who would help with the bible translation work uh that would continue in england yeah so this is how he ministered to the people uh in china and Taylor used his time in england to continue his work with the company to continue his work in the translation of the new testament and to publish in the in the chinese language which in in turn can continue the mission work that he started at china so we see his character he was more uh mission and events leakage where he embraced the members of all leading denomination of the christians and the methods were somewhat a very peculiar which he adopted their newly proposed organization where he qualified the candidates for the mission work he chose the young ones and he shared the word of god with them and he encouraged them with the missionary to carry a missionary mindset and he sent them on missions so this was something new in those days and he also supported many mission or the lords people uh willing whoever uh will to serve in the mission really supported them financially and we also see that due to his health condition Taylor remained in switzerland and uh you know with his wife and in 1900 um not in 1900 sorry yeah Taylor returned yeah later he also returned to china for the 11th and the final time to visit and see how the mission feels in china is growing and how the people whom he appointed our ministering to and later due to his health condition he passed away um yeah so this is what about Hudson Taylor is all about so with that we can move on to the next person but i see the time is not sufficient for us to move on but then we could also see some of the revivals uh during the same period that was happening let me let me check that yeah happening in different places okay so in 1857 to 1858 we also see the layman's prayer revival that took place in new york so what happened in this revival it was a revival that was biggest and widespread revival in american history where it began as a in a small uh known day prayer meeting with about six people so in a matter of months this team grew for to 10 000 people meeting for prayer and this spread across america and it estimated one million people converted and another one million revived over two year period and this was led by the layman across the america and we see that the revival that started in new york in 1857 it affected several other parts of the world uh you know at the same time which includes wales scotland idland britain germany sweden netherlands and the west indies also affecting south africa india and indonesia so this period in 1857 to 1861 we you know the world saw the revival breaking out globally almost everywhere so uh uh you know uh uh almost everywhere at the same time and it seemed to be spreading like fire so in 1859 we see that the revival in uh you julester province which is in northern ireland hearing the reports of the revival in new york the church in ireland was stirred with a great hunger for revival so in september of 1857 four young men named james mackerel mackerel kin john valace robert card sleigh germaya menisley in julester northern ireland committed themselves to praying for revival so over the course of 1858 and toward early 1859 many more prayer groups started praying for the revival so it is estimated about 104 prayer groups all over the city of julester where praying almost day and night for the revival so we say that uh james mackerel kin organized a bigger prayer meeting on almost day and night for revival so uh he organized a prayer meeting in march 14th 1859 and that was attended by 300 people standing in the rain and mud they were gripped by the power of the holy spirit where nothing could disturb them or could uh you know move away from that meeting due to rain so during the message there was a lay man who was preaching for about 100 people fell to the ground under the conviction of sin tears streamed down many faces as people confessed their sins trying out to the lord and there was a revival fire that it was so much visible they ignited and began spreading into the homes and marketplaces so on may 17th the whole town was under the convicting power of the holy spirit so people were meeting for prayer everywhere in small groups and we see men women children broke down crying with strong physical manifestation and getting saved so we see the spirit of the lord move among them very vibrantly it was a tangible presence of god we we also noticed that the children prayed with great power revival spread through various countries and um you know uh at broad chain a factory was closed for two days as 20 of its workers laid down on the floor crying out to god a country fair where 5000 people were present turned into a prayer meeting we also see homes and families were restored as lives were changed so in belfast a large distillery closed and whiskey trade dropped we also see pubs closed judges had no cases to try and often there were no prisoners in the custody so we also saw some of the previous revivals that spread uh you know where the police the judges had no work so some of the same things that happened or repeated in the revival when the lord moved was the crime rate was dropped down tried to drop down and the lord convicted the sin of the people there was a cry for change a cry for the new life among the people and you know they were one lack uh people or more than that people were convicted and they joined the church we see the church expanded and grew we see people yearn for more of god so these are certain things that happened during the time in the revival and this revival prayer just didn't stop it continued it also reached the whales in 1859 like that was happening in northern island people in whales also engaged in prayer crossed the country and we see that god used two men uh hamphrey jones who had returned to whales after two years so in america and we also see david morgan who was a calvinistic methodist preacher who heard hamphrey jones preach and he began working with them so god used these two men to fuel the flames of revival through their preaching many people or many people were convicted out of their sin and they were saved we also see the the revival fire just didn't minister to the elderly or elderly people or the adults we also see children were touched they were crying they were filled with a tangible presence of god and we see the revival broke in about 40 coal miles at the same time so the ministers and the churches were revived across the whales and we see how powerfully the holy spirit moved in this season it also reached scotland and england when the news of what was happening in north america and northern island it reached scotland the church in scotland began to pray and ask god for a similar outpouring say the church could only pray like this when the holy spirit ministers to them so the minute they started crying out and praying you see a revival fire broke in scotland and england so the people were reported to attend the weekly prayer for revival so in addition they were about 1,205 prayer meetings that were births and this revival was across the interdenomination prayer meetings people went no more into the denomination mind they just came out of that they were meeting in groups they were started to pray and cry out to god they were convicted of their sin and they wanted more of god there was you know sudden urge or passion or zeal to know more about god and they were yearning for more of him and they started forming small groups where they could pray and seek god so this is what was happening where there was a rise of people joining the church and the people we added every day to the church and this is how the revival broke in different places in north america england northern island scotland and the other places yeah so with that we will stop for today's session and we can pray and ask god how these lay people just in form of small groups the thirst or the urge for revival they just prayed lord revive me help me to carry that revival fire and this passion spread throughout can we all pray in that way dear god we thank you we praise you father as we studied about the revivalist and the revivals how the lay people prayed and there was a revival that broke out the revival fire burst throughout the world lord in different places of father people were convicted of their sin churches were birthed church people were added to the church lord i pray that lord we come as we are lord into your hands we submit ourselves lord we pray that you will revive us lord for us to be for us to carry that revival fire in our time lord jesus thank you father thank you for reviving us thank you lord for increasing us to carry that fire to carry the zeal to know more about you to spread to share the gospel about you to everyone around us lord to spread the love of christ to people around us or father help us to be the carrier of your word carrier of your light carrier of your fire spirit of the living god you move among us lord despite the place where we are spirit of the living god change us change your mind change your heart help us to carry the passion for your word for your spirit lord help us to be the carrier of your fire which could ignite the world for your father help us to be that carrier lord thank you lord for doing it so jesus name v perry amen amen amen amen thank you pastor thank you so much god bless thank you god bless these are some of the quotes of atzan taylor they've added yeah thank you so much thank you each one for joining into this session god bless yeah thank you amen


Stevenson falls to Weidner, 78-75 in overtime tonight, Glenn Clark with the head coach, Gary Stewart. Coach, you've got a team. The players that were here last year went through a lot of tough things. There's a lot of new faces that go into the mix. How difficult is the process of learning just how tough it is to finish off conference games? Well, you can't rush time, and we desperately need time. But the games are scheduled at the time that they're scheduled, and so we can't change that. Obviously, you've got to credit Weidner. They continue to put the ball in the interior with the bounce, and we did not rotate well defensively, and we paid for it. That all being said, you guys trailed by 11 points in the second half. You rallied forced overtime, had a shot to win at the end of regulation. You were down by 6 to start overtime, and had a shot to tie it up again at the end.  Well, I am proud of that, but we've got to execute better. I mean, the game requires us to execute a little bit better. Too many charging fouls, and then we didn't close our basket down well. So we've got a lot to fix, but from a coaching perspective, it's a two possession game at Albright. It's a one possession game here. So we've got some things that in a multitude of areas that we can address, and I'm looking forward to getting back to practice and trying to get a turn to get on some of those things. When you have a scorer like Dan Zell Wright, and you know all of the good things that he can do, how tough is it the decision of when you want him taking some shots versus when he needs to know, hey, you got to do better than that shot that you're taking right there? Like how much of a fine line is that? Well, I think it is a fine line, but as coaches, we've got to help him better. We've got to be able to move the ball. I thought the ball stuck a little bit. Certainly in the first half, we didn't get the ball movement, man movement that we wanted. And we weren't very assertive when they went to a zone, kind of got back on our heels. So we're more than Dan Zell. We can't just put it all on him, but we've got to help him. We've got to set some screens. We've got to get him open, do a better job of delivering the ball to him in an area that he can do something with it. Got another chance to get your first conference win this coming Wednesday night. What do you expect from Lebanon Valley? Well, they're as good as anybody in our league, and they've got two of the better players in the country. So we're going to get after them and try to slow them down and then try to show up some of the things that we need to address. After looking at this weekend, we've got a lot of basketball ahead of us, but we've got some things that we certainly don't want to carry over. Coach, appreciate you taking the time for us. Thank you, Glenn. He's Coach Gary Stewart. I'm Glenn Clark. This is Go MustangSports.com.


Hello everybody, Andrew Maeski here with Dental L Tutoring. So please excuse me, I have been sick. I'm actually still sick, but I'm getting over a cold. And I just noticed you can see my dog in the background. He looks pretty funny. Say hi, Teddy. There you go. He has no idea. And please excuse the mess too, okay? I have been sick literally since Sunday. It is now Thursday. I'm still sick. I'm getting better. But anyways, that's not the point of the video. The point is, I am hopping on to let everybody know that yes, I am still accepting portfolio audits. And if you would like me to have a look at your practice profile only to see if you're on the right track. So whether you took your quality assurance exam or your portfolio, you do need to also submit your practice profile. It used to be called your typical day, but it's now called practice profile. So please make sure to submit that. If you need help, I can help you, okay? I have been getting a lot of emails asking if I am still taking them. Yes, I am. We are literally two days away, technically one day if you think about it, because tomorrow is the 31st.  That is why I kind of talked about being sick. So I have time to go through practice profiles and portfolios if you need help. If you need that one last final look to make sure you're on the right track, I can help you guys. So how does it work? So if you would like me to look at your practice profile only, it is $30, that's it. If you would like me to look at your portfolio and practice profile also, the whole thing, that will be $75. So I will leave the links for you guys on the bottom. If you want me to look at them, sign up now because clearly I'm just one person. I don't actually know how many I can do, but I'm going to do as many as I possibly can.  It usually takes me about an hour, sometimes more to do one person because I go through everything. I don't just do a quick look and say, awesome, you're doing a great job. I go through everything with a fine tooth comb and then I send you a word document afterwards. I'm starting to lose my voice again, sorry guys. Let me move closer to the mic. I send you a word document afterwards, letting you know what I feel might need to be changed or just sort of some help for you. So I don't actually change anything for you of course, because that would be bad. I'm not supposed to be touching your portfolio or your practice profile, but I will let you know what I feel needs to be changed and why or what I feel you should change now because you're not going to pass the audit or if you are doing a great job. So I kind of go through everything for you. So I will leave the links for you guys to sign up on the bottom. And for some reason I can't get to it, but I don't see that being a problem because hey, there's 24 hours in a day who needs sleep, right? I plan to go through as many as I possibly can because I know that it will make you feel so much better having that help, okay? So yes, I am still accepting practice profiles and or your, sorry guys, I need some water and or your portfolio, there we go. I'm saying that because I was telling people that I was not accepting them as a Monday, but since I'm sick in bed doing nothing else, I am still accepting them. So I hope this helps you guys. Let me know if you have any questions and I'll talk to you guys soon. And I look forward to looking through your portfolio, which is $75 for the portfolio and the practice profile together. Or if you just want me to look at your practice profile, that is $30, I will get them back to you by tomorrow, okay? Probably tonight if you can sign up by today or of course, if you sign up tomorrow then it will be by tomorrow night. So the sooner the better, right? Because you need to submit it by the 31st. That's the deadline you guys, okay? I will see you guys soon and good luck.


In 1896, the aptly named James Parsley evidently led a successful vegetarian cycling club to victory, their competitors evidently having to eat crow with their beef. Evidently some Belgian put it to the test in 1904, with those eating more plant-based, supposedly lifting some weight like 80% more times, but I couldn't find that primary source in English. I could find, though a famous series of experiments at Yale published more than a century ago on the influence of flesh eating on endurance. 49 people were compared, regular athletes, mostly Yale students, vegetarian athletes, and then just sedentary vegetarians. The experiment furnished a severe test of the claims of those flesh abstainers. Much to the researcher's surprise, the results seem to vindicate the vegetarians, suggesting that not eating meat leads to far greater endurance compared to those accustomed to the ordinary American diet. Check it out. The first endurance test was how many minutes straight you could hold out your arms horizontally, flesh eaters versus flesh abstainers. The regular Yale athletes were able to keep their hands out for about 10 minutes on average. It's harder than it sounds. Give it a try. Okay, but those eating vegetarian did like five times better. The meat eater maximum was only half that of the vegetarian average. Only two meat eaters even hit 15 minutes, whereas more than two-thirds of the meat avoiders did. None of the regular diet folks hit a half an hour, whereas nearly half of the healthier eaters did, including nine that exceeded an hour, four that exceeded two hours, and one guy going for more than three hours. How many deep knee bends can you do? One athlete could do more than 1,000, averaging 383, but they got creamed even by the sedentary plant eaters. That's the crazy thing. Even the sedentary abstainers surpassed the exercising flesh eaters. The sedentary abstainers were, in most cases, physicians who sat on their butts all day. I want a doctor that can do 1,000 deep knee bends. And then in terms of recovery, all those deep knee bends left everyone sore, but more so among those eating meat. Among the vegetarians of two that did like 2,000 knee bends, one went straight off to the track to run, and another went on to their nursing duties. On the other hand, among the meat eaters, one guy reached 254, went down once more, and couldn't get back up, had to be carried away, and was incapacitated for days. Another impaired for weeks after fainting. It may be inferred without reasonable doubt, concluded the once skeptical Yale researcher that the meat eating group of athletes was very far inferior in endurance to the vegetarians, even the sedentary ones. What could account for this remarkable difference? Some claim that flesh foods contain some kind of fatigue poisons, but one German researcher who detailed his own experiments with athletes offered a more prosaic answer. In his book on what looks like physiological studies of uber-driving vegetarians, I told you I only know English, he conjectured that the apparent vegetarian superiority was just due to their tremendous determination to prove their point and spread their propaganda, so they just make a greater effort in any contest than do their meat eating rivals. The Yale researchers were worried about this, so special pains were taken to stimulate the flesh eaters to the utmost, appealing to their college pride. Don't let those lousy vegetarians beat the Yale spirit. The experiments made it into the New York Times. Yale's flesh eating athletes, sounds like a zombie movie, beaten in severe endurance tests. Yale professor believes that he has shown definitely the inferiority in strength and endurance tests of meat eaters compared to those who do not eat meat. Some of Yale's most successful athletes took part in the strength test, and Professor Fischer declares they were obliged to admit their inferiority. How has the truth of this result been so long obscured? One reason Professor Fischer suggested is that vegetarians are their own worst enemy. In their fanaticism, they jump from the premise that meat eating is wrong, often based on scripture or some kind of dogma, and jump from that to meat eating is unhealthy. That's not how science works, and such logical leaps gets them dismissed as zealots and prevents any genuine scientific investigation. Lots of science even back then was pointing a distinct trend towards more plant-based eating, and yet the word vegetarian even 110 years ago had such a bad preachy rap that many were loathe to concede the science in its favor. The proper scientific attitude is to study the question of meat eating in precisely the same manner as one would study the question of anything else.


Hey what's up everyone, welcome to another video, my name is Dylan and I'm a cycling coach at CTS and today we're going to be talking about a topic that a lot of you guys have asked me about and that's stretching. In this video we're going to be answering three important questions. Will stretching before exercise improve your performance? Will stretching after exercise improve your recovery? And will stretching in general help with injury prevention? The answers to these questions might surprise you. This is one of those cases where my preconceived notions on a topic were completely shattered when I actually took a look at the research. At the end of the video we'll also touch on stretching to improve your cycling position and alleviate back pain so be sure to stick around for that. If you're new to this channel I make weekly training, racing and gear related videos going over tips and tricks that I've learned in my 12 years of training and racing experience that have gotten me to the top of the ultra endurance mountain bike game in the US and as a cycling coach at CTS. If you want to learn how to get faster or just more about the science of training in general then be sure to subscribe and if you have a training question or a topic you'd like to see me cover in a future video then be sure to leave it down in the comments section below. I do my best to get to all the questions in the comments. All right without further ado let's jump straight into the science. The first question we're going to answer is will stretching before exercise improve your performance? This study on stretching's effects on cycling efficiency had subjects perform tests at 85% of VO2 max until exhaustion with and without pre-exercise stretching. The results showed that stretching before the test actually decreased the time to exhaustion. They concluded that a preceding stretching routine significantly decreased exercise efficiency and time to exhaustion during heavy intensity. So what exactly is the reason for these somewhat surprising results? Isn't stretching supposed to be good for exercise? The study explains that stretching changes the viscoelastic properties of the muscle tendon unit by decreasing its stiffness and that a relatively stiffer muscle tendon unit reportedly has a greater capacity for force production owing to improved force velocity and length tension relationships and to a better initial transmission force. Basically a stiffer muscle can produce more force and stretching decreases the stiffness of a muscle thereby decreasing the amount of force it can produce. And it isn't just one study showing these kinds of results. It's pretty unanimous across the scientific literature that stretching before exercise decreases your performance. This study on the effect of static stretching on endurance running performance had subjects perform a 60-minute treadmill run with and without stretching beforehand. They found that the distance the subjects covered decreased after stretching and that stretching increased the energy expenditure of the run. So these runners were using more energy to run slower after they stretched. That's exactly what you don't want as an endurance athlete. As always though you want to look at the balance of evidence which is exactly what this 2012 meta-analysis did. Looking at 104 studies they concluded that results clearly show that static stretching before exercise has significant and practically relevant negative acute effects on maximal muscle strength and explosive muscular performance. And these findings are universal regardless of the subject's age, gender or training status. An important thing to note here is that these studies are looking at static stretching or stretching where you're not moving. But what about dynamic stretching? This study on the effect of dynamic stretching on running performance had subjects perform a 60-minute running test with and without dynamic stretching beforehand. They found no difference in the distance covered between the two conditions however the energy cost of running was still higher after dynamic stretching. So dynamic stretching probably isn't helping you in your race or workout but it certainly isn't hindering your performance like static stretching is. This flies in the face of what many people believe about stretching. I specifically remember gym teachers and coaches telling me that I needed to stretch before I worked out. This is ridiculous man. Stretching has really helped me on the bike. Oh interesting how's that? Oh yeah well uh you know I just feel better I guess? It's probably not too surprising that stretching does an increase in performance but surely it improves recovery and helps with injury prevention right? Well let's tackle improved recovery first. This study on whether post-exercise stretching relieved soreness had subjects perform a 20-minute step test to induce soreness. Subjects were then randomly assigned into one of three groups. One that didn't stretch at all, one that stretched only the left leg, and one that stretched both legs. They found no difference in soreness between the stretching and non-stretching groups. One, two, or three days after exercise leading to the conclusion that stretching did not alleviate exercise-induced muscle soreness either acutely or chronically. Stretching is often cited as an effective recovery method but when actually put to the test it doesn't seem to hold up. And again this isn't just one isolated study. If you look across the scientific literature the results seem to be pretty consistent. A systematic review looking at stretching's effects on soreness from exercise found that stretching before or after exercise does not confer protection from muscle soreness. This review came to the same conclusion stating the studies produced very consistent findings. They showed there was little or no effect of stretching on the muscle soreness experienced the week after physical activity. One study on the effect of stretching on repeated sprint performance actually found that static stretching of the lower limbs during recovery periods between efforts may compromise repeated sprint ability. Despite popular belief the evidence that stretching will improve your recovery and reduce your soreness is severely lacking. But again this isn't the only reason why people stretch and perhaps one of the most important reasons why people stretch is for injury prevention. Does this claim hold up to the science though? A study on stretching for the prevention of lower limb injuries took 1500 army recruits and split them into a stretching group and a control group. The stretching group performed static stretching exercises in their warm-up during 12 weeks of training while the control group did not. The results showed no significant difference in the prevalence of injuries between the two groups. These results were very surprising to me. I thought that for sure stretching would help with injury prevention and again I didn't just look at one study here. The balance of evidence across all the studies done on stretching for injury prevention confirmed these findings. Multiple reviews all come to the same conclusion. Stretching does not affect the incidence of injuries. Now there is some evidence to suggest that stretching may help in the prevention of musculotendinous injuries but the results are far from conclusive. This review on the efficacy of stretching for the prevention of injury stated that results seem to indicate that there is moderate to strong evidence that routine application of static stretching will not reduce overall injury rates on the basis of the work that has been undertaken. Secondary findings indicate however that there is preliminary evidence that static stretching may have a positive effect on preventing musculotendinous injuries. So this is relevant when we're talking about sports like gymnastics or football where the incidence of tearing a muscle are more common. Obviously crashing is always a concern while riding a bike but for overuse injuries associated with cycling it doesn't seem like stretching will help at all. Recovery and injury prevention aside many cyclists perform regular stretching routines for a different reason. Stretching will undoubtedly increase your flexibility and being more flexible means you can get into a more aggressive aerodynamic position right? There is very limited research on this but this study on the effect of time trial position on physiological and aerodynamic variables found that the flexibility of the cyclist does not limit the participant to cycle with a small torso angle. This was because in the population tested the flexibility required for the time trial position was already within the range of motion of their participants. It's important to note here that the data on this is extremely limited and more work needs to be done on how flexibility affects your ability to produce power in aggressive cycling positions. This study on hamstring extensibility in road and mountain bikers found that compared with mountain bikers and non-cyclists road cyclists have significantly greater hamstring muscle extensibility. Does this mean that road cyclists need to be more flexible in order to get into more aerodynamic positions? No, this is a classic case of correlation does an equal causation. It would definitely be interesting to see more science come out on this particular topic. It's also interesting to note that this study on the aero position found that as in previous literature no correlation was found between low back pain and cyclists and low back inflexibility. So what can we conclude from all this? Well first of all stretching before a race or a workout will likely decrease the amount of power you can produce so you want to generally avoid it. When you see somebody doing a quick stretch on the starting line of a race, yeah that's not helping them. Stretching after your workout has not been shown to improve recovery and stretching in general has not been shown to be effective at injury prevention either. Finally the data on whether or not flexibility is beneficial for riding in an aggressive aerodynamic position is severely lacking. As I said at the beginning of the video I was not expecting these results and I had no intention of discrediting the effectiveness of stretching until I looked at the science. This is why you have to look at the research. It turns out your gym teacher was wrong just because something seems true or somebody told you it doesn't make it so. Dude this guy at the bike shop told me to hold my breath while I'm climbing to simulate high altitude training. That makes sense right? My advice when it comes to stretching is this. If you enjoy stretching do it. If you don't enjoy stretching then don't do it. As long as you're not stretching right before you ride it'll probably have very little effect on your cycling. Now I already know that a lot of you are going to ask about yoga and whether or not it's effective for cycling. It's important to note that none of these studies looked at the effects of yoga and I know that the supposed benefits of yoga go beyond just stretching. Let me know down in the comments if you'd like to see a whole video just on yoga. Thanks for watching. I hope you guys found this information helpful. If you like this video be sure to give it a like, share with a friend, and subscribe so you don't miss any training tips. If you want to be notified every time I put out a video be sure to hit the notification bell as well. If you're looking for a coach if you sign up for CTS be sure to use my code CTS DJ to save $40 by waiving the registration fee. Details are down in the description.


Stevenson gets the 72-61 victory over Stevens. Glen Clark, now joined by Christine Tennyson. Christine, 11 points, one of four players, Knight, and double figures. How good did it feel to have everybody getting involved with this one? I mean, it was really great. We've been stressing communication every day of practice and when everyone's talking and collaborating, it seems like everybody's open and everybody can get a hand in on everything. So it was really the communication that got everybody involved. One of the things I was chatting about with Coach is the fact that they made a few runs and they had some opportunities to get back into the game. Got within two points at one point and a third, but it seemed like you guys always were able to come up with an answer. How did that happen? I mean, our point guards Amani and Armani were telling us every break we had, we're playing like we're down by 20 or 30 the entire game, so the intensity for us never really fell. So the ability to keep the intensity and the communication up really just kept us fighting through. I'm glad you brought up Amani. How about she only had two buckets today, but they were both right at the end of the shot clock. How huge were those two baskets? I mean, with the senior experience, she knows when to come in clutch for our team and she knows how to handle the pressure and she knows when, hey, it's got to come down on me and she can take the pressure. You mentioned that experience. You're one of those veteran leaders on this team. How much are you taking upon yourself to try to teach these younger players about what's expected of them as they get closer and how just less than a week away from conference play? I mean, I know I have some experience to bring to the team, but also they have a ton of skill coming in here. So I try to keep them calm when I can, but they also are taking it away on the skill end and everything else. And I think Amani, to juniors too, we all bring experience to the floor. It's really not just me. Christine, congratulations on a big win. Happy Thanksgiving. I look forward to seeing you back out there tomorrow. You too. Thank you. She is Christine Tennyson. I'm Glenn Clark for Go MustangSports.com.


Welcome folks, we have the Dow Industries trading up $2.24, and Nasdaq is up $84, S&Ps up $13.5. Go contract up $6.10, trading at $18.27 an ounce. We have Silver up $0.10, $23.18 an ounce, LightSuite crew down $2.22, let's see, we have 417,000 contracts on the oil market. And let's see. Yeah. Let's still get, you're pulling into, let's just see this for a second, yeah, you're pulling it to 460, you get 417, oil still wants higher price. Notes and bonds. The 10-year notes down 11, take straight in 126.18, 30 years down 22 at 150, 226. Now the 10-year is in a confirmed ABC structure on the way down, about 124.15 is the number, a couple points from here. The 30 didn't break the B point with volume, but it wants lower price. King dollar, King dollar's up 239, take straight in 95, 638, King dollar's still having a hard time holding price up here, got a little bit higher, gave it up again, we'll see where this shakes out the next hour. The year is at 114, the end's at 115.43, and the bridge pound's at 135 to one US dollar. We get over and take a look at the S&P. What do you have here? Sideways move out here today in the S&P, you're up $1.35, we had a low out here of $4.45 rather, a high of $4.51, right now you're laying out there at $4.48, and if we do go look at the futures, we'll take a look at this future live right now. Futures are up 13 points, we are laying out, there we go, we got to a high of $5.17, and this thing is building cars, yeah, it looks like it still wants to go, yeah, we're going to have a little sell off again. I suspect $44.85, that's not bad, $44.80, it's only four points from where we are. Last time down a few minutes ago, you had some volume here, there's no doubt about it, and you got back inside the lower range again, that's what you did. Yesterday what we did out here, folks, the bottom line is you went into a lower price, you had a big contraction of volume, that's saying the market still wants higher price. The more that we keep testing these lower points, the higher this market will end up going, because that's, people are nervous, there's no doubt about that, but when you start testing, testing, testing, you know, bottom line, you can't jam it down, you don't jam it up.


Exercise styles and write-on, LibreOffice version 6.4 For the task format with styles, an already written protocol model school is used. To do this, you create change and assign styles. With the help of styles, it is shown how the protocol can be quickly formatted in order to look good. Now open the file protocol model school. In the protocol, you can see that the default style is displayed in the formatting toolbar. This means that the existing text has the default style. You will change that now and create the new styles. First, remove all hard line breaks and delete the direct formatting. Remove all direct or hard line breaks. They are unnecessary as blank lines between paragraphs. Then the spaces between the paragraphs are specified by the styles. Then click on edit, select all in the menu. Then click in the format clear direct formatting, menu or press ctrl plus m keys. Create style p-header. Right click on the style heading. Click then on new, then on top organizer and enter name p-header. Enter the properties that the protocol header should receive in the new style. Phone, phone style, phone size, phone color, placing above paragraph and below paragraph. Options. Now click on OK. Assign the format of the p-header to the heading. Mark the header. Double click on the template p-header. Create style p-i-a. Right click on heading, then on new, then on top organizer and enter name p-i-a. In the paragraph template dialog box enter the properties that are to be determined for the agenda items. Phone, phone style, phone size, phone color, placing above paragraph and below paragraph. Now click on OK. Assign the p-i-a styles with the agenda items. Mark each items of the agenda. Double click on the style p-i-a. Create style p-text. Click on the text body with the right mouse button and choose new. Then on top organizer and enter name p-text. Phone, phone style, phone size, phone color, placing above paragraph and below paragraph. Click on OK. Assign the p-text style to the text. Mark each text. Double click on the template p-text. Modify style p-i-a. The style p-i-a should now be provided with numbers and the font changed to light blue too. Right click on the style p-i-a. Then select modify. Then in the dialog box paragraph style p-i-a choose the tab outline and numbering. Select the numbering 123 under enumeration numbering list template. In the font effects tab select light blue too. As soon as you click OK all agenda items are numbered and the font is light blue.


Hi, I'm Dr. Angela Boynton with the Human Research and Engineering Directorate. Happy 25th anniversary, ARL.


Yeah, once again, welcome to Hyperledia Global Forum. Today, we are covering insurance link securities and Ricardian contracts. Nothing too heavy, but we're just introducing the concept of basic Ricardian contracts and how they're integrated. And what we're trying to do is provide a construct of Ricardian contracts deeply integrated. She says we cannot hear you, but I can hear you. It's very strange. Can you hear us, Marta? Can everyone else hear us? Can anyone comment? Yes. Okay, brilliant. Okay. We'll just go back then. Who's going to moderate the moderators? Okay, go ahead. No worries, Marta. Cheers. Okay. Going back to the conversations, yes. So we're talking about how we're looking at modeling and bringing in concepts of Ricardian contracts into insurance link securities. And the basic objective is to try and bring in some of the capital markets' rigour into the insurance industry. And that's what we're trying to achieve by this objective. There are a lot of initiatives which are parallelly going on within the market, and this is more of an observational study rather than a full-fledged development or a software product at this point in time. I'd like to first introduce Whippin Baratheon. Yes, my name is Whippin Baratheon. I've been involved in Hyperledger for over six years since its beginning. I mean, I guess. And I'm the chair of the Capital Market SIG and also of the Identity Working Group. And I'm also a lab steward. I have been working in capital markets for 15 years and many other industries, mostly as a technologist, but I got the blockchain bug back in 2014, I guess. Now it's been a full-blown infection. But the main thrust of our talk is going to be about securitization itself and how everything flows from there. So, Kirti, please introduce yourself and keep going and I will come in when you invite me to. Thank you. Thanks, Whippin. I'm Kirti and I'm a blockchain solutions architect by profession, doubling into data science and operations research. I've always worked in capital markets and financial services, especially in Lloyd's Market in London. Now I'm focused on two specific areas. One is looking at liquidity within the insurance link securities. I've been working very closely to Whippin as a part of the Hyperledger Capital Market Special Interest Group and one of the areas that we are pursuing as a part of this group is to look at some of the basic fundamental problems of better liquidity in the market for insurance link securities. I'm also doing a joint research paper with Balancer on trying to look at how regulated liquidity pools could possibly solve some of the challenges that we have today in the insurance capital side of things and securitization aspects as well. So, that's my brief introduction today. Here is a quick review of the agenda. What we're going to talk about is a brief introduction to insurance link securities, challenges. What is a Ricardian contract? How are we looking at automation within this space? What are the avenues for reporting verification measurements and some of the emerging opportunities for the risk transfer segue? The first slide, what are insurance link securities? So, these are financial instruments. They're sold to investors, sophisticated investors, so mostly institutional customers and for the investor, some of the benefits are to look at it as having no correlation to capital markets whatsoever. It's always back to an insurance risk, but for the insurer or the insurance firms, it means transferring risk from the insurance book into capital markets. Now, there are certain conditions or certain points in the insurance value stream when they choose specific ILS products, but we'll touch upon that as and when we get into the details. What is this? This is nothing but a simple journey which shows how risk is onboarded by an insurance company and passed on to capital markets. So, from the left, you can look at the sponsor, which is nothing but an insurance company. They use a contract structure, which is a risk contract to transfer a part of their risk book to a reinsurer and a reinsurer is passing that down. So, you can see that highlighted by these blue flags. These blue flags indicate any contract structure that exists within the value chain. What we simply want to talk about is the basic contracts that exist in this process. There are other multiple contracts that exist, but these are the dominant contracts that exist between most of the players. So, there is a reinsurer and now the risk is further ceded upstream to an insurance special purpose vehicle. Insurance special purpose vehicle is nothing but an entity, a legal entity, which basically transforms the risk into a financial instrument of some sort. It could be a bond, it could be a fund, so it could be packaged as a fund, and that's where the whole stream of capital is moved in from the capital markets and they are rewarded for the risk that they're taking on through what is known as a coupon or an instrument. And this is paid as per the prospectus or the understanding between both the vendors. Now, there's also an important element to the insurance special purpose vehicle within the whole segment. The insurance special purpose vehicle has what is known as a collateral trust and the collateral trust is where most of the proceedings are safely stored like capital is reinforced and it's actively invested in, I would say, highly liquid financial instruments that generate some sort of an income. So, it creates, I would say, levels of credit risk protection both for the insurer and for the reinsurer and the sponsor. So, moving from here, what are some of the benefits of this financial instrument? Why do we need to look at it? What does it provide? It's for the issuer, that is for the insurance company provides like a direct access to capital markets, an alternative source of capital, a better risk mitigation. Let's say exposure, I guess, to some of the credit default risk that exists, and sometimes the fronting partners have a longer duration, so that means there's capital available for a longer duration. For the investors, of course, the return is risk averse to a specific extent and, of course, it has no correlation to the plastic capital markets. And there's a very clear defined maximum loss and, of course, people know what they're getting into and it's a great way to diversify your investment portfolio. Of course, there's a tax element to it, which is clearly provided by these financial instruments to sophisticated investors. Some of the challenges that exist today within this space and they're really important when it comes to the Ricardian element. So, why are we looking at the Ricardian contractor element of it is some of these basic challenges are raised within the industry and what we are trying to do is we are trying to break these boundaries down to provide better capital efficiency in the market and our objective is to solve some of these issues that exist both for the sponsor as well as for the investor. So, being able to do that would give us not only a great win in form of capital efficiency, it would also give quicker capital movement from capital markets to the insurer. So, what are we looking at over here? So, we're looking at better diversification. So, now most of the insurer ILS market is taken up by cap bonds. This is like 80 to 90 percent is in cap bonds and there is limited appetite to use ILS for any other aspects of risk transfer. So, it's interesting to see why. There's also a huge amount. What are cap bonds? Oh, catastrophic bonds, yes. These are financial instruments which are used to transfer the risk. So, this is one method of securitization in which the risk is securitized as a bond and this bond is then sold to end investors and these are generally triggered by climatic part. Anything which has got to do with climate risk or climate exposure to any type of assets, mostly into property. So, that is one class of business which is predominantly in focus here. Some of the other challenges is high brokerage cost, cost of routing through many brokers and intermediaries. That's one of the challenges of doing this and some brokers or intermediaries do not understand the niche underwriting element of the risks. So, it becomes difficult for them to secure capital through ILS and finding a fronting partner for unrated capital. So, sometimes because of the nature of the risk in itself means even some sophisticated partners find it difficult to interpret the extent of exposure and the possibility of something going wrong. Now, for the investor, I think the interesting bit is to look at better transparency. So, when you're investing into something, you'd always want to know the characteristics of the investment and what is important for the investor, flexibility. So, it's like looking at a better range. So, that's the basic requirement. So, possibly looking at an index or a fund of funds that could unlock some of the potential by using your cardian contracts. Of course, management fees. Management fees is an important purview because currently the cost is too high. Most of this has manual elements to it. There's barely any straight-through processing in these instruments. Most of that is manually done and most of this has handled as an OTC over-the-counter aspect of trading. And track collateral in the sense once the investor has invested money into a specific instrument, there is liquidity but the liquidity is in the terms of the issuer. And it becomes a little difficult for the investor to get in and out of a specific financial instrument. And these are some of the basic challenges that exist today, which I strongly believe that recording contracts would help us solve some of these problems inherently by design rather than anything else. This is where I'd like to invite Wipin to share his perspective of various layers and the simplification using the cardian contracts. Wipin? Yeah, before we go further, I have to say that the story of ILS is very similar to the way secretization is done in other fields, specifically any debt-based secretization like credit cards, like mortgage-backed securities, which obviously was prominently in the picture 10 years ago for whole 15, now it's getting on 12, 13 years ago, for cratering the market and causing lots of problems. And most of this has to do with the improper assessment of risk. But recording contracts, the concept was originated by Ian Gregg, so the basic elements of that would apply to any sort of secretization or even issuance. So basically, the idea is to create through the stack, which based on technology at the bottom, cryptography, software engineering, rights, and then rights is identity and linkage to the rights in a contract. And then it goes to accounting, which is basically payments or obligations. Then the contract evolves into governance value. And then finally, the finance aspects are emergent through all the layers of the stack, make it possible for the financial aspect of the recording contract. If you go to the next slide. So what is a recording contract? It's a software pattern, which has a single document, which means that everything about the contract, it's created by the issuer and is meant to be a contract between the issuer and the investor. It's a single document. That means there are no other places you should go to. It is a four corners of a page like in a legal sense. It is both human readable and machine possible because it is markup driven. So this is the basic innovation in a recording contract, and which is now familiar to all of us through the various ways in which it has been implemented using smart contracts inside blockchain driven structures. But you do not need a blockchain to do this because like the ideas that were created by Scott Stornetta, which is quoted by Satoshi Nakamoto, basically trying to create a global witness using a immutable commitment hashing and signatures of a document, a contract, is the primary foundation. And then, of course, Satoshi's innovation was to make this into a global witness using proof of work. That is a major innovation in Bitcoin, which has taken the world by storm. And if you see that the hash creates a contract that cannot be changed, and the other aspect of the contract is that the Ricardian PKI delivers clarity. That means in that same document, the public key of the issuer and the signing key are in the contract. And it is through relationships that you know that the issuer's public key is proper, not through some CA or something else, the certificate drop, excuse me. Yeah. And the presumption of possession, that is, the user has the contract, which is just that Kirti was talking about, which is transparency. Does the investor know the details of the contract? That means if I have the hash of the contract and the contract itself, I know the full contract. So it's easy to share the contract and it cannot be altered once it has been created because of the hash and the signature of the issuer that accompanies it. And of course, the promises made there result in payments in accounting. Next slide. So there it is, which is basically the bow time model, as it is called, the contract, which is a human readable contract and is legal. The word of law has, in this case, a PGP signature, which is obviously dates the document. And also a hash is created of that document and it is immutably linked to that signature. And that becomes the founding or the Genesis document for a whole stream of accounting payments that result from it. And this is the idea also in CDM, that is Common Domain Model. You can say that it's an expression of other cardian contract. Now, Kirti, you're going to finish up by linking these ideas to the challenges of ILS and how your solution solves those problems. If we have a Q&A questions, we will answer it in the end. Thank you. And Kirti, please continue. Thanks, Wipin. So, Wipin kind of gave us the fundamental workings of how the bow time model works. And we take it away from here to see how we can apply some of these basic fundamentals into the actual practical use in operations, that is, in investment operations perhaps. So now, what we talk about here is the concept of several layers and data structures that could possibly exist. And some of these are derived by the solutions that we are currently researching. And what we feel is segregation of data, which is the core data versus, which is structured data versus unstructured data, creating what is known as an integrated data structure on top of that. So this is color coded in these specific layers. And it talks about how we're taking some of the best practices which are already available within the industry to integrate it upwards into a usable format to ease automation within the investment operations or insurance operations space or the ISPV space perhaps, and make it a lot more relevant. Now, the core data can be broken into financial data as well as contract specific data, which is legal terms. And this is separated within the core data element to say what is structured versus what is unstructured. The structured part of the contract will still hold things within the CDM format and follow most of the CDM, which is nothing but a common domain model which has been specified by International Swaps and Derators Association. And what we do over here is to look at two things. One is the core data constantly has what is known as the integrity and the data structure check, something like a Linux operating system. So every time the contract is loaded, it checks it for integrity and this layer on top of that is integrated into what is known as a logic layer. The logic layer is what connects the contract information to everything which has got to do with day-to-day operational elements. So think about it as modeling a complex system. So when you look at a complex system and you look at what the structure of a financial instrument looks like today, we talk about replicating that into some form of a digital twin. And what this digital twin is nothing but a set of information, which is financial information, which takes in signals, which could be either analog or digital. So digital is something which is triggered from within the system. Analog signals are something that can be optimally triggered from the user or sometimes even from the system perhaps. So it's just about creating the model in such a way that it is a replicable digital twin of the whole contract in itself and in its elemental form represent all the contractual truth and legal enforceability of the contracts which are built on top of it. Now the last layer on top of it is called as a digitization layer that we're currently looking at. And this helps you plug the interoperability. Why is this important is because data is, this makes data incredibly portable and easy to plug in. So irrespective of blockchains and what stacks you're using, when data is built in a specific format it makes it incredibly easy to port the data from one technology to the other. So that's the fundamental approach for this method. Second, it talks about how the model integrates with various elements and it's again color coded to show what integrates to other parts of possible day-to-day operations and forward integration into other systems and how this can be defined very clearly. So you can see that the core data could be anything. It could be a counterparty risk contract, it could be risk transfer contract and it could also be a CDM. So you could also look at it in the transaction structure. You can look at it as between two specific entities or you can look at it as completely as a financial instrument. But the data structure remains the same. And of course there's forward integration into every element. So you're able to do cash and transaction management by linking basic information which is available in the Eurocardian contract structure and do computations on top of it. You can do asset performance. You can also do capital ring fencing and do solvency reporting if that is what is required and that is built into the structure. Analytics of course, that is the best bit. And incredible portability of taking in signals. When I spoke about signals earlier, I spoke about both analog and digital. Maybe in the future state we could look at oracles which give direct information into a risk transfer contract which sits within an ISPB which could trigger when required. If there was a flood somewhere in some geolocation it would directly trigger and it would create the computation required to pay out whatever the claim is directly or settle it or liquidate parts of the collateral which are required to pay out to the insured. So that is the basic elemental structure of it and we think that some of the possible benefits of doing, implementing the Eurocardian structure into our contracts is better audit trail reporting of course that's a great benefit. And I think straight through processing is one of the biggest boons and that cuts down the time so it may cut down the time of transfers. You might want to wrap it up. Yeah absolutely. Reduction of course in errors and last but not the least the most important bit is expense ratio reduction because of lower manual intervention. So that brings us to the last part which is compliance by design because at any given point in time you know if you're solving at all. So that is the whole bit about Eurocardian contracts and how it mitigates some of the challenges we had shared earlier within these slides and I hope that was useful for today. Wipin any closing comments? Yeah just that we have the references at the end and thank you for attending and most of it is attributed to Ian and thanks. Hyperledger. Hyperledger and thank you to Marta for moderating. Thanks Marta.