Hello everybody and thanks for voting me in.  Back in 79 I was travelling around in India and I imported some microorganisms with me back and was really sick actually for many years and started to search ways to heal myself. And in 86 I found floating. I went down to the south of Sweden and floated in a Samadhi tank. I went in there and I stayed there for 3-4 hours and had quite a tough time actually because all my inner universe opened up to me and I saw what was going on with this unbalance. So it was tough hours but on the other hand I realised that I'm at the right place. This is where I should be and really go inside myself and try to help my healing qualities. So I decided to start a float centre in Stockholm with two friends and we were able to find two second hand Samadhi tanks. It was not many people knew anything about floating in Sweden at that time. So it was quite hard to get people to come there to pay their rent actually. But it was wonderful to have the opportunity to float as much as you liked. We were all enthusiastic floaters of course. So yeah, we did a lot of floating and a lot of experimentation in the tank. We got a lot of ideas of building our own product. Yeah, we sold the Samadhi tanks and put our own product in our centre. Then my friends decided that they had to focus on other things. So I took over the business and at that time too, when I floated a lot, I started to appreciate simplicity more and more and I wanted to have more quiet surroundings. So I moved out from Stockholm, which was where we started the place, out into the archipelago in Vaxholm, you know. Very quiet and nice place. I also built a tank in my bedroom out there and started to experiment even more with floating. And my perspective on myself shifted a lot, as most people probably find when they start to float a lot. I began to see myself as the sort of higher intelligence, maybe you could say, for my body and started to be more motivated to really take care of myself in a better way. In 1994, it was a milestone for me and maybe for floating in Sweden because Olympic support bought the tank from me and all the Swedish top athletes started to float, not all but many of them, in preparation for the Olympics then. And I think many found it to be really beneficial. They usually, the comment I got a lot is that they liked that they could train much more without having risk of injuries, greater risks of injuries. The rumor spread more and more about my product and people more and more came and asked me to build tanks for them. And I had this idea when I started to build tanks, I had this idea to really try to keep it as simple as possible because to me, floating is really the most simple thing you can do. It's simplicity really. 2001, I really started to build a lot of tanks but I've never promoted my tanks because it's a lot of work to build them and I do everything, nearly everything myself so it's just spread by word of mouth actually. After a while, I started to combine floating with vibration training and that's the thing that you sometimes find on the gyms. It's a super active thing. You stand on a thing and you choose frequency and then it shakes your body very powerfully. And I found out that it's a wonderful combination to have this super active thing with a super passive thing. And for me it was also a lot about having pain, having had pain for such so many years. I had shut down my body quite a lot. So floating was a way for me to regain my body to get contact, the inner contact back. And the vibration plate is a fantastic thing to really find your way deeply, deeply into your body. And then when you go into the tank, they work so well together, they enhance each other. Then the furthest I've sold the tank is down to Mallorca. I went down there to build floating in 05. And this, I mean this is the title of my speech really. And yeah, you see sanctuary is a word derived from the Latin sanctuary, which is like most words ending in aria, a container for keeping something in. In this case, holy things or perhaps holy people. And I more and more come to think about the float tank as a sanctuary. Because for me it's, I more and more have the feeling that I am the god for my own inner universe. And when you realize that it's, you get more motivated to, yeah, to really take care of yourself. So this is, I make tanks from wood which is a little bit uncommon maybe. And yeah, I've had this idea all the time that floating is simple, keep the tanks as simple as possible. So there's no high tech things on my tanks. It's only heaters, a pump, a submersible pump that's in the corner. And you can see that the filter sticking out there. So it's, I love it of course and it's really simple to keep it running. Not many things I can break down. So I've just, in Stockholm when we started, we had a little bigger place with two tanks. But then when I went out to Waxholm, you know, knowing how hard it is when the costs are too high every month, I just kept it very, very simple and easy on myself, you know. So now I have just a small place with one tank and I don't promote it. Some people find their way there. I can float and the people who come have wonderful experiences when you float a lot. I mean, your inner universe opens up to you and more and more new ideas, of course, surface in there. And there's been a lot of talk about a lot of researchers here. And I feel that every floater is a researcher and you've got to do research on yourself. You're going to do it.  It's all recorded in there and maybe more. So there's so many answers to be found by focusing inward. And to me that is what a sanctuary is. It's a safe place for you to find out more about yourself and your relationship to all else. And this, we all know that it's bliss to float, how wonderful it can be. But also, if you really go in there and take a deep look around, there are other things to be found too. And I don't know if Eckhart Tolle is familiar to you, but he talks a lot about the pain body and there's not only bliss inside. There's a lot of pain too. And from my experience, when you float a lot, you are going to go through these quite tough layers in there. And you're going to have to deal with a lot of quite tough things actually. And I mean, we are all, I think we're all linked together on a deep level. And these facts that 360 kids start to death every hour on Mother Earth is going to affect us all. And we're going to meet this when we go deep inside. And there, but it's, I mean, it's the float tank is, the float sanctuary is a fantastic place to really address this issues and to meditate deeply on what's going on also outside on Mother Earth at the moment. And there are so many, when I was working on healing myself, I was going through a lot of frozen zones in myself because I had so much pain. So I had turned a lot of parts of my inner self off. And that was a really tough job to first to realize that this was the fact. And then to start to try to melt these frozen zones. And I found working with my voice using sound to get in there was very, very efficient. And of course, using my breath, the breath is a fantastic tool to to you can super oxenite your whole body. And you can use it also as a kind of massage from inside. And yeah, and especially in the tank, where you you hang freely, you can get a fantastic rhythm going. And if you combine it with sound, you really can do anything in there. It's sound is really interesting. I've been I was doing a lot of screaming in the tank and trying to sound like different animals. And the the weird sound that that that a human being can can make. It's it's incredible. And it can bring up a lot of suppressed feelings in you. And it's nice to know to do it in a space where you know that no one else hears it. I mean, Mr. Lily, he he mentioned in in his book, Programming and Meta Programming. He's talking at some place he talks about taboo programs and how to how hard it can be to access those taboo programs. And of course, relaxation is the key to to go in there. And I mean, you have to to to be in a space where you feel really safe to go in and take a look at those programs. And and talking about being a good god for your universe. Yeah, you have all of these wonderful techniques that you probably many of you is using already. And that's that's one thing with the flotation tank, the flotation sanctuary that that it's a it's a perfect tool for integration. So you get more out of any other techniques that you're practicing, you will get much more out of when you float regularly. I found in there in the tank that this this with having a free will, there's one aspect of this that is quite simple. And it is that you can choose to live or you can choose to die. You can choose to do things that enhances your your health. And you can do things that are destructive to you. And more and more, I've started started pondering on what's why is the world so so so tough, because I find a lot of phenomena out there that is that scares me really. And what what programs is it that we deny to look at? How can I find an explanation to all all the violence and all the negativity that's going on? And I feel when I look out into the world, I feel that there are many most things that people do has something to do with wanting to stretch out your life into the future, wanting to live. And and probably just go on doing that.  Really? And if you if you want to die, when do you want to die? Most of us want to live for a little while longer anyway. And and I started to to I started to ponder on this. And then I found this, there is a program that says you can't live more than I mean, what's normal in the society, maybe 85 years is normal. And most people agree on this. If you if you start talking about that, maybe maybe you you can become a really good God for your inner universe and take care of your body in a manner that the cells will renew themselves perfectly. And and it's not I feel that not many people think about this that it might be possible. And as evolution goes on, things changes. And I can't help when I see the world around me and I see for me an immortality project that is very, very popular is to gather money as much money as possible. It's it's many people does this and and it doesn't make you live forever, no matter how much money you gather. It seems it doesn't seem to work, actually. So I've been wondering what would happen if if if a if quite a big group of people would start meditating on well, maybe maybe it's possible to to take care of your body in such a way that the cells renew themselves perfectly. What would this mean? If if many people learn how to do that, how would it change the way we we we go around on Mother Earth? It might be it might be that the culture I mean we as the speeches are ready to start to you know play around with these ideas and and see what happens because to me when I look around me I see I see a lot of irrational things happening all the time. And it's very hard to understand why I mean we have all these resources and most of us are quite decent people. So why why is it like this that 360 kids start to death every every hour and it maybe should be the number one priority to do something about it but it doesn't seem to be that.  To me you know it blows my mind when I think about it. How did we get there that we are you know risk we are we poison ourselves and and it seems like that it seems like that most of us believe that we are immortal and we don't have to ponder on these things. We push it into the future. When you as I did when I when I had my really bad unbalance in my body I was slowed down really and I started to see all the old people around me I didn't see them before and and maybe the sick people in wheelchairs and things and and my whole perspective on life changed. I was quite fast before and I you know I had a lot of activities going on so I never thought about these things but when life slows you down things change but but to me I find that I don't know what Mr. Lilly meant about taboo programs maybe he thought about programs about sexuality too which seems to be a little bit taboo too but talking about death and dying and growing old and maybe feeling that it's it's it's not a fun thing you know it's a little bit taboo and and to talk about something a little bit else it's I find the the the flotation sanctuary to be it's it's a perfect place also to to break the cultural trends that we're in I have a feeling that there's so much information coming and the speed is so high which it's it's really easy to get dragged into this this very high speed and also this trans state it's like we unclutch from other nature and we forget that we are a part of nature and and maybe in this immortality context you know it it would be wise to to create a personal relationship to deepen our personal relationship to the sun for example where the energy comes from it's the sun runs this show in in in many ways I mean when you when we're out driving our cars the petrol everything comes from the sun and maybe maybe if you focus on this and meditate on this you will get guidance how to how to live your life and how to be a positive change on earth


Hello everyone! My name is Dennis. I'm an application engineer at ST Microelectronics. Today I'm going to show you how to design a machine learning solution for a real application step by step. So, make yourself comfortable and let's get started. The pencil motion detection application we are going to analyze is intended to provide an example where power consumption is a critical aspect due to the form factor. Our LSM6DSOX fixed on a pencil will be programmed in order to detect these four different scenarios or classes. Steady, pen is on the table. Idol, pen is in your hand but you are not writing. Writing, pen is in your hand and you are actually writing. Or other, not covered by the other cases. This slide is meant to summarize a high level comparison between a traditional approach versus a machine learning approach. In particular, the one available with LSM6DSOX. As you can see, the main difference here is related to the offline data analysis. With a traditional approach, good understanding of signal processing, optimization techniques and the usage of different programming languages are needed for an algorithm implementation. Moreover, new data set will require to reiterate the expensive process. In contrast, machine learning approach is based on a set of tools that will reduce your effort to almost none. This is just an example that shows few key parameters at system level using LSM6DSOX. On the left side, logic is completely running on a microcontroller or SOC. While on the right side, all the logic is executed inside the sensor. As you can immediately observe, power and coding efforts are key factors in a machine learning approach. Those are the main steps needed in order to realize a fully working solution based on machine learning. First step is the data collection, and we are going to do that using Profimamps board together with Unico GUI. After data have been collected and labeled, we will extract features, and if needed, apply filters. Unico GUI will help us during this step. Features are basically the input for a machine learning algorithm. With an external tool such as Weka, we will be able to train and generate a decision tree. The decision tree will be then loaded back into the Unico GUI in order to generate the register's configuration needed to run the decision tree into LSM6DSOX.


Hello, and welcome to this session in which we will discuss itemized deductions, and specifically, we will be discussing interest paid on mortgage and investments. In the prior session, we looked at medical and dental expense deduction that's completed in specific taxes. Real quick, what are itemized deductions? Itemized deductions are deductions from AGI. I know I keep repeating myself, but it's very important to understand on form 1040, we have a line, an important line called adjusted gross income. We have certain deduction that are for AGI. That comes before AGI, therefore reduce AGI. And we have certain deductions that are from AGI. And itemized deductions are from AGI. What are itemized deductions? Itemized deductions are personal expense and nature. They're non-trade business expenses. Personal expenses would also include employee and investment expense, which are suspended from the year 2018 to 2025. So this is this part here. It's under the miscellaneous expense part. This is suspended from 2018 to 2025. And that's why less and less people are using the standard deduction, not the itemized deductions. Remember, for the itemized deduction to make sense, they have to be greater than the standard deduction that's given by the government. A deduction given by the government. Well, since President Trump's tax law changes, they increased the standard deduction. Therefore, less people are taking the itemized deduction because they don't have enough of them to exceed the standard deduction. And they would only give you a benefit, a tax benefit, if the itemized deductions are greater than the standard deduction. Again, let's take a look at the form. We looked at medical and dental expenses that's done. Tax has paid done. In this session, we'll focus on interest you paid. And notice here, home mortgage interest and points. Home mortgage interest and points. Home mortgage interest not reported on form 1098, which is the banks gives you points not reported on form 1098 and investment interest. So simply put, it's going to be home mortgage interest and something called points. I'll show you what we'll talk about them basically form of interest and investment interest. Let's go ahead and get started. Before we proceed any further, I have a public announcement about my company, farhatlectures.com. Farhat Accounting Lectures is a supplemental educational tool that's going to help you with your CPA exam preparation as well as your accounting courses. My CPA material is aligned with your CPA review course such as Becker, Roger, Wiley, Gleam, Miles. My accounting courses are aligned with your accounting courses broken down by chapter and topics. My resources consist of lectures, multiple choice questions, true false questions as well as exercises. Go ahead, start your free trial today. Now, before we proceed any further, I just want to let you know we have many types of interest. So I'm going to go over the types of interest that we have. We have personal interest. What is personal interest? Well, it's a personal. It's the word suggest. It's not business. What could be a personal interest? Credit cards, personal loan, car loan. Those are not deductible. There's nothing you can do with those. Then you might have interest on student loan. Student loan interest, kind of a personal interest, but it's deducted for adjusted gross income. And there's a separate session covering student loan interest. So student loan interest is a deduction for the individual. So it's kind of a personal interest, but we call it student loan because it's deductible. That's why we're separating it. And it's deductible for AGI, not from AGI. Now we covered this in a separate recording and it's subject to limits. Not everyone can take it. Once you exceed a certain number, you cannot take it. And you might be asking why student loan is treated differently. Well, because when you graduate, most likely you don't own a home yet. Most likely you don't pay interest on a mortgage yet. Therefore, the government wants to give you a deduction for the interest, but they don't want to include it on schedule A because you're not going to have a home mortgage. Because remember, to itemize you have to bunch things together. And if you're in your early 20s or mid 20s or late 20s, most likely you don't own a home yet. Therefore, you don't have a home mortgage interest. You don't have taxes. So what they're saying is we're going to give you this deduction separately. So that's why. And it's covered in a separate recording. Then we have home mortgage interest, which is, it's called acquisition debt. It's one you buy or improve a house. That's deductible from AGI subject to limit, which we will be discussing in this session. And there is investment interest, which is also deductible from AGI and we'll discuss in this session. Starting with qualified residence interest. When the law changed a little in 2017 Tax Law and Jobs Act, there was a lot of confusion about qualify residence interest. Simply put, a lot of confusion about home mortgage interest, whether it's deductible or not. Yes, it's still deductible. They changed the limits a little bit. Nevertheless, it's still deductible. So interest on qualified residence. What is qualified residence? Principal residence. Where do you live? Plus one other. Now the one other home, so you could have two homes that you can deduct interest on. The other home cannot be a rental. If it's a rental, then the interest is deducted on Schedule E. Is deductible if the debt is secured by these properties. In other words, you have the debt and the debt is a mortgage debt. And you could have two property, not the rental property. So the second one cannot be rental properties. Because if that's the case, that's totally separate. I mean, you could have two personal property and 10 rental. It doesn't matter. The rental are treated separately and those two properties can have their interest deducted. Now how much interest can be deducted? We'll see. According to the Tax Cuts and Jobs Act from 2018 to 2025, qualified residence interest only include interest on debt used to acquire, it means to buy and to make substantial improvements. Substantial improvement means what? Let's assume you want to add a room to your home or have a swimming pool or you have a major renovation. It does not include debt used to buy a car or go on vacation or take college courses. It doesn't include that. So the interest that's deductible related to either buying the house itself or making improvement to the house. And the reason I am emphasizing why you cannot use the debt for other reasons because in the past you would be able to take out money against your equity. What's equity? Let's assume you own a home for $600,000. This is the value of your home. And you have a mortgage against that home for $400,000. That's the debt. That's the mortgage. So the difference between the asset, the value of the asset. This is the asset. 600 and the liability is the 400. What's left is equity. It means you have $200,000 in equity in your home. In the past, you would be able to go to the bank and take a loan against the equity. And when you take the loan, you can do whatever you want with it. You can buy a car, go on vacation, whatever you want to do. It's personal use. Therefore, if you take the loan out and use it for personal use, then you cannot deduct the interest. Now, for that incurred on or before December 15, 2017, simply put, pre-tax cuts and jobs act of 2017. Before that, interest paid on total acquisition debt of $1 million, qualify as deductible residence interest. Simply put, you could have a loan up to $1 million and deduct the interest on that loan if it's $500,000 for married filing separately. Before the tax cuts and jobs act. So what did the tax cuts and jobs act change? All what the tax cuts and jobs act change is the amount is not a million. The amount is 750. So before pre-tax cuts and jobs act, you could have a loan up to $1 million and deduct the interest on that loan or loans as long as they are for the acquisition or the improvement of the house post tax cuts and jobs act. You could only have loans up to $750 and deduct the interest on that. You could have a loan, $20 million home mortgage loan. That's not a problem. The interest that you can deduct is $750 and a million. So the amount changed and there was a big confusion that this deduction is going away. Well, they took away another deduction, which is what? If you used it for personal use, they took it away and they lowered the amount a little. Now, no worries. After 2025, they will go back to the $1 million regardless of when the amount was borrowed. Let's talk about something called home equity loan, which is kind of I explained it, but I want to also make sure I re-emphasize the point. Prior to 2018 and after 2025, qualified residents are also include interest on home equity loans. What is home equity loans? Home equity loans are loans secured by qualified residents. Why is it called home equity loans? Because you have a loan against the mortgage, against the value of your home. So basically we're looking at a second mortgage. So you took a first loan, a first mortgage, then you have some equity, you took a second mortgage. Interest is deductible on loans only if used to improve personal residency. This is what we need to know. Not personal purpose. I know I'm repeating myself. I have to because to make the point. So home equity loan or a second mortgage, they are deductible if they are used to improve the home. Obviously to buy the home, usually you only need one mortgage. Who knows? Maybe sometime you need two, but usually banks, you need only one mortgage, which is first mortgage. Just want to emphasize this. Home equity loan, basically what it is, or sometimes they call it home equity line of credit. What does that mean? It means you remember the example I gave you 400,000 minus 600,000 minus 400,000 gave you an equity of 200,000. Now you don't have to take this money out, but you could have what's called a home line of credit. Home line of credit. It means the bank says anytime you need money, you can go and tap, take this money out. It's available to you. It's like a credit card, but the loan, this line of credit is against your home. So it's like a second mortgage, but you can, you only have a mortgage when you use the money. Again, that's still available as long as you use the money for qualified residents. The loan is backed by a qualified residents and it's used for improve the personal residents. Remember, all the loans together, they cannot be more than 750. They can be more than 750, but you can only deduct the interest component based on 750. Let's take a look at an example. John owns a personal residence with a fair market value of 800,000 and a mortgage of 550. Well, this means the equity is 250,000. So John went to the bank and borrowed 100,000. That's secured by a second mortgage or a home equity loan to renovate his kitchen. Is this deductible? Yes. Well, yes, it is because it's against using his home as a collateral and it's used to renovate the kitchen and the amount of all the loans, 500,000 plus 100,000 does not exceed 750 or the value of his residence. The reason they have the value of the residence because sometimes that doesn't usually happen anymore. Back in the past, even if your home was worth 800,000, some lenders will give you more than 800,000 on your home, which is risky. It means they're giving you more debt than the value of your home. If you borrow more debt than the value of your home, it's basically a form of speculation. However, if John used this home equity loan proceeds to purchase a new car and a boat, the home equity loan would not be deductible. Let's talk about points. As you saw on schedule A, there's something called points. What are points? Points paid as a fee for borrowing money are considered deductible. So what you do is this. When you take out a mortgage, sometimes the bank tells you, look, if you pay points, I'm going to tell you what they are, we will lower your interest rate. It's basically you pay money up front to lower the interest rate. Well, when you pay money to borrow money, that's interest, but they call it point. To qualify as deductible interest, points cannot be classified as a service charge. But you have to make sure they classify whatever you paid when you paid that when you bought your interest. Basically, let's assume the bank says your interest on this loan is 5%. You would say, look, can I buy the points? Can I basically deduct 1% to make it 4%? And the bank would say, yes, if you pay us $5,000 now, basically, you're buying the points. You're buying the points to lower the interest. Basically, every time you spend money to borrow money, it's interest, but they call it point. That's what points are. And you have to make sure it's a classify as a service and not a service charge. Service charge because when you take out a loan, the bank will charge you many different things, many different service charges. That's how they make money. If you're paying for points, make sure it has points so it's deductible. In most cases, points must be capitalized and spread out over the loan's duration. However, when points are paid for acquiring or improving a personal residence can be fully deducted in the year they were paid. Again, that's the only reason they can be deducted. If when acquiring or improving a personal residence, then you can deduct them. Forget about capitalizing them because you're not going to capitalize them for personal loans. That's all what it is. Points paid for refinancing, notice here, if you're doing refinancing, those must be capitalized over the life of the loan. But if you're acquiring or improving a personal residence, it's deductible. Now, what does it mean refinancing? Refinancing means right now your mortgage is 8%. Your mortgage, 8%. And the overall interest rate dropped to 5%. You'd say, you know what? I can refinance. I can replace my old loan, my old 8% loan with a new loan of 5%. That's called refinancing. You're not buying the home. You are simply reducing your debt. You're reducing the cost of your debt. That's what refinancing is. If you incur points on refinancing, then you have to amortize them. Now, why don't you want to amortize them? Because to amortize them, it means you're taking a smaller amount every year. And remember, for the itemized deduction to make sense, they have to be large to be greater than the standard deduction. When you itemize them, they're not as beneficial as taking them all at once when you acquire or improve a personal residence. Let's take a look at an example. John purchased his residence many years ago, obtaining a 30-year mortgage at an annual interest rate of 7%. And the current year, he decided to lower his mortgage since the interest rate is down and lower it by 2 points, that's 5%. So he's going to go through a refinancing process. And through this process, he incurred 3,200 in points because he wanted to. Part of the deal was you pay 3,200. It will help you reduce your points. Now, the 3,200, which is treated as a prepayment of interest, which is interest, needs to be capitalized and spread out over the remaining life of the loan. So this 3,200, you'll have whatever the remaining life of the loan is, you divide it by that, and this is how much interest you can take per year. Sometime when you have a loan, you might incur a prepayment penalty. What's a prepayment penalty?  It's a penalty, prepayment penalty. When a mortgage loan is fully paid off before its term, which means early, somehow you have money, you want to pay off the loan, the lending institution might impose a prepayment penalty. You always want to be aware of this when you take out a loan. Is there a prepayment penalty? Because at some point, you might have the money and you want to pay off the loan. This penalty typically a percentage of the remaining balance. So if your remaining balance is 100,000, they would say the prepayment interest is 1 or 2%, which is $3,000 if it's 2%. Interest is interest deductible? Yes, it falls under the same rule of deductibility of other types of interest, depending what loan are you paying. If you're paying a personal loan, you cannot use it. If you're paying a qualified residence, you can use it. It's just basically interest on the mortgage. If you're paying it for investment interest, we're going to see what you can do next with investment interest. Let's talk about investment interest. What is investment interest? Investment interest when you borrow money to do what? To invest in stocks, to invest in bonds, to make an investment. So now you're taking out money and sometimes those are called margin loans, the technical word. You're taking out money to do what? To invest. Taxpayer at Congress has placed restriction on the deductibility of interest on loan taken to acquire or hold investments. Because if not, people will take a lot of risk if they can deduct all this interest. How much can you deduct of this investment interest? The deduction of investment interest is limited to the net investment income for the year and only can be claimed if the taxpayer itemized the deduction. So the first thing you do is you want to itemize the deduction. That's one. Two, how much can you deduct? Well, you have to look at your investment income, net investment income. So if you have expense of 10,000 and you have net investment income of 3,000, so this is the income and this is the expense, you're only limited to 3,000. So you can bring your net investment income to zero and 7,000 will be what? Unused. Now, if you incurred interest expense to buy tax exempt securities, tax exempt securities are municipal bonds. Municipal bonds, remember, they are not taxable. If the bonds are not taxable, well, guess what? The expense is not deductible. No deduction for interest expense incurred to buy tax exempt securities. An example of them is municipal bond. And we talked about those when we talked about tax income exempt, which is income exclusion. One of it is interest on municipal bond. You need to know this inside out. Example, Jane borrowed $10,000 from a bank to invest in stock. She pays an annual interest of 8% on this loan and earns $1,000 in dividend. This is investment income. Her net investment income is $1,000. So the maximum amount of investment interest she can deduct is also 1,000. This means she can deduct the interest she paid on the loan up to how much? $1,000. Now, bear in mind, it's important to note that Jane can only claim this deduction if she itemized her deduction. It means she prepared schedule A. If she chooses the standard deduction, forget it. She cannot have that $1,000. Also, she incurred it. She's not itemizing. She cannot take it. So what we did in this session, we looked at interest paid. And the next session will be charitable contribution. So the next session on the itemized deduction will be charitable contribution. Once again, schedule A itemized deductions are very important. They are deducted from AGI.  When you add them all up, make sense means they are beneficial to you and they are greater than your standard deduction. So they compete with the standard deduction. Good luck. Study hard. For now, go to Farhat Lectures, work MCQs, and stay safe.


Hi, without much delay, I'll just get into the talk. So what I'm going to talk about today is device-aware computing. So my pitch is going to be that when you program a device and embed a device in specific, you need to be aware of what your device has in terms of capacity and what computations it can do. So yeah, why do you need to be aware of your device? You can extract maximum performance. You can avoid unnecessary upgrades in hardware. And you can also save costs. Like if you upgrade your hardware, there's going to be a cost of porting. And you can also do more with the same computer. So yeah, today's demo will be on Intel Edison. So the reason why I chose Intel Edison is it's a pretty popular single-board computer. It's used a lot in IoT and image processing. It's used in drone controllers. And it's also capable of performing a lot of compute-intensive operations. And I've also used it for deep learning. So yeah, it's pretty powerful. So the optimizations that I teach you today, one of it is OpenMP. So this will be the only optimization that will require you to maybe add something to the code. The other two are just simply compiler flags. So yeah, I'll just show you one by one. So if you see OpenMP, it's a multi-threading library. And yeah, the device awareness you need here is that your Intel Edison is dual-code. It's dual-code and dual-headed. So it makes sense to use threads to run your code in parallel. So if you see the code here, it's actually a simple FFT code. I'm just showing you a snippet. The only change you make is this one line. So the second you add this pragma, the compiler knows that the for loop here can be run in parallel. So it will try to parallelize this for loop. And since it's doing nothing but random number generation, so the threads can run asynchronously. So this is one way where you can extract good performance from your device. And while compilation, the only flag you need to add is FopenMP. And this is not specific to Intel. You can use this practically in any board that has dual, I mean, multi-code and multi-files. So the next optimization is SSE. So SSE is Intel's streaming SIMD extension. So just like ARM has its own unit called Neon, which does parallel processing. Intel has its own unit which uses SSE. So SSE is basically an instruction set. And it tries to auto-vectorize your code. It will look at your code during compile and see if there are any loops that don't have branches. And if there are loops that don't have branches, it's gonna vectorize them in the SIMD unit. So yeah, this can be done totally by using just compile of that. So I've used SSE, SSE 2, SSE 3, 4.1 and 4.2. So how do you get to know whether this is there in your processor? You can actually do PROC CPU info. If you're using a Linux system, you can do PROC CPU info to tell you whether you have an SSE unit or not. And the trade-off here is you can't vectorize unless loops have branch instructions, it won't vectorize. So I think the wording is wrong. If the loops have a branch instruction, it won't vectorize. So that's the trade-off here. So you should make sure that your loops don't have branches. And the third one is, I think this is pretty popular GCC compiler flags. So even in compiler flags, you can be a little smart to tune the performance according to your device. Like one of the compiler flags I used here is M-tune atom. So this is telling it that tune the code for the atom CPU. You can even mention your architecture, like you can say the architecture is also atom. And you can also look at your processor specs. And again, trial and error also plays a big role here as to what compiler optimizations you use. Like Intel Edison through my trial and error, I felt it's much better for fixed point operations as compared to floating point. So you can use aggressive loop optimizations over here. So the FFT that I'm gonna show you later is a fixed point FFT. If you use floating point and if you use this particular optimization, unsafe math is gonna have rounding of errors. So you need to be aware of what your device is good at and what your device is bad at. And the trade-off here is, if you use these type of optimizations, it can impact binary size, RAM usage, and a lot of other things.  So yeah, before we come to this slide, I'll just show you a demo. Whoa. Okay. Yes, I'm connecting to my DC. So I haven't written the FFT code myself. I'm using a library called KISS FFT, which is a fixed point FFT library, but I'm optimizing it using the three optimizations I showed you. Yeah, so first it's just compiling an unoptimized version with practically no optimizations. And in the next time, you can see it's compiling with all the optimizations I showed you. So now let's just quickly run both of these. I've put a software timer, so I'm running the code in a loop that I tried 10,000 times. So you can see it's taken roughly 6.4 milliseconds without optimizations. So let's run it with optimizations. Yeah, so you can see it has reduced to 4.6 milliseconds. So this is the performance improvement you've got just by using the three optimizations I showed you. What can you do more? You can rewrite the code to be SIMD friendly. Like if you have loops, try to remove branches from the loops as much as possible, remove printup statements. You can also use smarter compilers like vendor build compilers. So ICC is Intel's compiler. I tried using it in Edison, but yeah, I didn't have enough memory. You can overclock and underclock your device. It's again, not possible in Intel Edison, but in things like Raspberry Pi, it's very popular. And you can run your code with minimal OS modules. Like if you're running Linux, you can cut down your modules or you can run bare metal. So that's also gonna make your code faster. That's it. Any questions? You have many projects, sir. Actually, I'm currently building a project with the Intel Edison and Raspberry Pi. It's a machine learning algorithm to classify mosquitoes based on their sound. Is there anywhere we can see that? We are planning to, we are still writing a paper. So once we publish the paper, I think it's... Honestly. All right, cool.


Hello, I'm Greg Royce and welcome to the Dave Redan coaches show I'm here with Stevenson cross-country head coach Dave Redan and coach you open up the season last week with the Mustang stampede Talk a little bit about how that went for both teams Really I'm happy with the way it went. It was definitely one of those kind of Beginning of the season just let's see where everyone's at. We didn't really run it completely all out But I was definitely happy with the performances. Some people really stepped up and surprised me as well On the men's side obviously Langston had a family movement so he couldn't be there So obviously some other people stepped up talk about like Patrick Watson and a couple of the other guys that stepped up on Friday Yeah, so Patrick had a really good summer and really good preseason So I've been expecting him to kind of step up and he really did step up well with with Langston not being there He mixed it up with those top hops and Hopkins guys for a while and Yeah, I mean just overall everybody ran really well They were definitely tired. We did a hard workout at 6 a.m. That morning. Yeah, so it was it was a good day Yeah, it's like a little women's side You said you're probably made it a little bit surprised with how far some of the progress that you made on that side Yeah, definitely So I was expecting Kelly to be up there And I mean she she went out a little bit harder than we wanted to but she hung on and had a really good race I mean she ran I think over 30 seconds faster than she did last year So that's that's a good sign and then just some of the freshmen just really stepped up I mean Emily Gates Allie Cray really came out of nowhere She didn't even think she really wanted to do cross-country because she was a track runner and then Chloe O'Hara was another freshman It really stepped up. Yeah What does it mean to have a program like Hopkins who's you know obviously a national championship contender and both the men's and women's side To come to you know to come to your home course and to have your athletes have a chance to run against a program like that Yeah, no, I think it's really good And I think the best part is I mean they see my athletes see how deep that team is and how committed that team is The women have from Hopkins have won the national title four out of the past five years And the men have a really good shot at winning this year So for our guys to go out and mix it up with them and the women as well I think it really means a lot to them. Yeah now looking ahead to this week I'm your home again this week Friday night on Greenspring the Shannon Henry any rotational Talk a little about Shannon and the scholarship fund and you know what you hope to accomplish issue with that. Yeah, so Shannon was a Stevenson alumni she ran cross-country here at Stevenson and then she also was a volunteer coach for us and in the fall of 2014 and Unfortunately Shannon passed away due to complications with pneumonia in December of that year So the nursing department established a scholarship for students that best kind of resemble Shannon Yeah, and we've been working with them and helping out as much as we can trying to get that scholarship endowed And they're very close. I think they're only a few thousand dollars away so we give the entry fees from the race to the scholarship fund and For those of you out there that didn't know Shannon. I mean just such a wonderful person. I Mean you meet her once and you would always remember her. I mean she just was one of the most friendly Non-selfish people that that you would ever meet. Yeah Talk a little about the you know the meet itself and obviously you have you know several teams coming and talk about the field for this Meet yeah, so it it's probably gonna be a similar size to the first meet It's just we have more teams, but a lot of teams don't have really big rosters As far as competition-wise messiah is actually coming down for it and they're in the conference So that'll give us kind of a gauge as to see how we line up against them Yeah, but again, I mean being only the second meeting of the season, right cross-country is unique I mean we kind of work into it. So the first meet we thought they'll race maybe the second half of it This this me coming up on Friday. They'll race maybe the last three quarters of it and the next week It's really the first time I kind of let them go all out Yeah, so that's that five o'clock for the women and six o'clock for the men and then they'll have the walk right after that Yep. All right, so we hope to see everyone in green stream tomorrow for dayward and I'm Greg Royce This has been the dayward and show


work. PFNN, headline, news update. Hi everyone, Basel Chapman here. I'm the host of the Tiger Technicians Hour coming up straight after this Tiger Financial News Network. New update dowsed down 300 and 25,306 overnight was down almost 1,000 points in the futures. So this is really very good action, but we've been expecting that they were off, especially often that peaked in the Chapman Wave methodology at 27,580 in the daily chart, as well as the gap down, that's an island reversal right there, that they would be further selling and that selling should go on a little longer. And one of the reasons why I think it should go on a little longer is at the speculative part of the market, especially with, I don't know if we can call them novices, but anyway, with a lot of people just coming into the market and trying to run up these not secondary or tertiary, but really these stocks that are not just laggers, many of them are bankrupt, they're just very pure quality stocks to be able to run up, as well as some that are purely speculative and they can run up on any reason, just need to teach them a little bit of a lesson here that you've got to be careful. Therefore, I think that this consolidation should go on a little longer. Let's go through the numbers. The down now is down 276. We're looking at a just breaking underneath key support level, but it's right at the 50-period moving average. MACD is only slightly turned down and the MACD is, sorry, the sarcastic is at 45%. That's not very good, but we haven't yet got the green nine-period moving average going under the 14-period moving average. Strong resistance is at 25,600 to 25,800 level this week. The S&P right now is down 19 and 3,021. It is holding tight right at the 200-period exponential moving average. The MACD is just turned negative, the sarcastic is down at 45% as well. Peak E at 3233. I think the resistance now is at about 3,038 to 3,045 and it needs to hold today's law of 2,965 weekly charts a month and a month that we can get into later in the week. Let's just do this because it's so important right now with the consolidation really just unfolding. We're looking at 235, 32 down 56 cents. That's nothing on the QQQs. There are still so many stocks that are really leading indicators. These are economically sensitive and they're doing very well. That's a good sign and that's holding up the QQs. The IWM fabulous move from the low of the day of 133 to 138. This is the action you want to see the rotation to keep things a little bit solid and gold which is down sharply on Fridays also down today. I'll be back in a moment for my Tiger technicians hour. Hope to see you there. Don't forget my opening call.


Imagine that you are in command of the state the state being defined as an institution that possesses a territorial monopoly of ultimate decision-making in every case of conflict including conflicts involving the state and its agents itself and by implication as a second defining characteristic the state has the privilege to tax that is to unilaterally determine the price that you as the subjects must pay to the state to perform this task of ultimate decision-making. Now let's leave aside the question of how such a wondrous institution could ever have come into existence. Suffice it to say that it took hundreds of years to do so but it did and its continued existence today seems assured by the fact that most if not all people nowadays think of it as an indispensable and unquestionably good institution or at the very least as a necessary evil with the emphasis on necessary and assume further that you are not an angel or a saint but a regular person with normal human motives and desires. In particular assume that you are a person that prefers more wealth to less and that rather grows richer than poorer. Now to act under these constraints or rather under this lack of constraints is what constitutes politics and political action and it should be clear from the outset that politics then by its very nature always means mischief not from your point of view of course but mischief from the point of view of those subject to your rule as ultimate judge in every case of conflict predictably you will use your position to enrich yourself at other people's expense rather than preventing and resolving conflict you will cause or provoke conflict and then solve it by deciding it consistently in your own favor. You may not be able to do whatever you please because occasionally you run into resistance on the part of your victims but as long as a necessity of state rule is held to be in no doubt whatsoever in public opinion you will be a permanent mischief maker always trying to further enrich yourself at the expense of others more specifically based on these very sparse assumptions we can now predict in particular what your attitude and policy vis-à-vis money and banking will be. Assume that you rule over a territory that has developed beyond the stage of a primitive barter economy and where a common medium of exchange that is a money is in use first off it is easy to see why you would be particularly interested in money and monetary affairs as a state ruler you can in principle confiscate whatever you want and thus provide yourself with an unearned income but rather than confiscating various producer or consumer goods you will naturally prefer to confiscate money because money as the most easily and widely saleable and acceptable good of all goods allows you the greatest freedom to spend your income as you happen to like it on the greatest variety of goods first and foremost then the taxes that you impose on society will be money taxes whether impose on property or on income and you will try to maximize your tax money tax revenue in this attempt however you will quickly encounter some rather intractable difficulties eventually your attempts to further increase your tax income will encounter resistance in that higher tax rates will not always would necessarily lead to higher tax revenue but they might also need to lower tax revenue your income your spending money so to speak declines then because producers burdened with increasingly higher tax rates will simply produce less in this situation you have only one other option to further increase or at least maintain your current level of spending namely by borrowing such funds and for that you have to go to banks and hence your special interest also in banks and the banking industry if you borrow money from banks these banks will automatically take an active interest in your own future well-being they will want you to stay in business that is they want the state to go on in its exploitation business and since banks tend to be major players in society such support is certainly beneficial to you on the other hand as a negative if you borrow money from banks you are not only expected to pay back your loans but you're also expected to pay interest on top the question then that arises for you as the state ruler is this how can I free myself of these two constraints that is the constraint of tax resistance in the form of falling tax revenue and of the need to borrow from and pay interest to banks now it is not too difficult to see what the ultimate solution to your problem is and given what this ultimate solution is it also becomes immediately apparent what intermediate steps you must take from whatever happens to be your starting point from which you have to begin with your politics in the pursuit of this ultimate goal of yours you can reach the desired independence of taxpayers and tax payments and of banks if only you establish yourself first as a territorial monopolist of the production of money on your territory only you are permitted to produce money but that is not sufficient because as long as money is a regular good that must be expensively produced there is nothing in it for you except expenses more importantly than you must use your monopoly position in order to lower the production cost and the quality of money as close as possible to zero instead of expensively producing quality money such as gold and silver you must see to it that worthless pieces of paper that can be produced at practically zero cost will become money normally as an aside normally of course no one would accept worthless pieces of money as payment for anything pieces of paper are originally only acceptable as payment only in so far as they are titles to something else that is in so far they are property titles in other words then what you must do is you must replace pieces of paper that were titles to money with pieces of paper that are titles to nothing now under competitive conditions that is if everyone were free to produce money a money that can be produced at almost zero cost would be produced up to a quantity where technically speaking marginal revenue equals marginal cost and since marginal cost is zero the marginal revenue that is the purchasing power of money would be zero as well hence the necessity to monopolize the production of paper money so as to restrict its supply and preventing it to falling to the status of worthless pieces of paper in order to avoid hyperinflationary conditions and the disappearance of money from the market all together and a flight into real values and you must monopolize this the more so the cheaper the money commodity becomes in a way you have just accomplished what all alchemists and their sponsors wanted to achieve you have produced something valuable namely money with purchasing power out of something that is practically worthless that is out of pieces of paper and just as alchemists if they had accomplished this miracle would have had to keep their recipe secret as otherwise everyone would and could copy them and just rob them of their magic wand so you as a money producer must since you cannot keep the making of paper secret insist on your privilege as a monopoly as a monopolist in order not to lose your wondrous power now having monopolized the production of money and in a conscious cost-cutting effort so to speak having reduced the production cost and the quality of money to virtually zero you have made the marvelous accomplishment unless you are a saint that is under as the assumption that you are just a normal person you can and will now and for ever print more money when in need for it after all it costs you almost nothing to print it and you can then turn around and buy yourself something really valuable such as a house or a Mercedes for your paper and you can achieve these wonders not just for yourself but also for your friends and acquaintances of which you discover that you have all of sudden far more than you used to have in the past including of course many economists who will explain to the public why your monopoly is really good for everyone now what are the effects of this first and foremost more paper money does not in the slightest effect the quantity of all other goods of all non-monetary goods neither the quantity nor the quality is changed there exists just as many other goods around as before this immediately refutes of course the notion which is apparently held by mouse if not all mainstream economists that more money can somehow increase social wealth to believe this as everyone proposing so-called easy money policies these days as an efficient and socially responsible way out of economic troubles everyone who believes this is to believe in magic that stones rather or rather paper can be turned into bread but that tells you something about the level of sophistication of the economics profession rather what the additional money you printed will affect is two-fold on the one hand money prices will be higher than they would otherwise be and the purchasing power per unit money will be lower than it otherwise would be in a word the result will be what we call inflation but more importantly all the wire the greater amount of money does not increase or decrease the total amount of presently existing social wealth or the total quantity of all goods in society it redistributes the existing wealth in favor of you and your friends and your acquaintances that is those who get your money first you and your friends are relatively enriched you own a larger part of the total social wealth at the expense of impoverishing others those own less now as a result of your policy the problem for you and your friends with this institutional setup is not that it doesn't work it works perfectly always to your own and your friends advantage and always at the expense of others all you have to do is to avoid hyperinflation for in that case people would avoid using money altogether and flee into real values thus robbing you of this magic wand that you have the problem with your paper money monopoly if there is one at all is only that this fact will be immediately noticed also by others and recognized for what it is namely a big criminal rip-off that it is but this problem can be overcome also if in addition to monopolizing the production of money you also set yourself up as a banker and enters a banking business yourself with the establishment of a central bank because you can create paper money out of thin air you can also create credit out of thin air in fact because you can create credit out of nothing that is without any savings on your part you can offer credit even at an interest rate as low as zero or even a negative rate with this ability of creating credit out of nothing and offering extremely low interest rates with this ability not only is your former dependency on banks and the banking industry eliminated moreover you can make banks now dependent on you and you can forge a prominent alliance and complicity between banks and state you don't even have to become involved in the business of investing the credit yourself that task and the risk involved in it you can safely leave to commercial banks what you and your central bank need to do is only this you create credit out of thin air and then loan this money at below market interest rates to commercial banks instead of you paying interest to banks banks now pay interest to you and the banks in turn loan out your newly created easy credit to their business friends at somewhat higher but still sub market interest rates to earn from the interest differential in addition to make the banks especially keen on working and cooperating with you you may permit the banks to create a certain amount of their own new credit of checkbook money in addition and on top of the credit that you have created this is what we call fractional reserve banking now what are the consequences of this monetary policy to a large extent they are the same as was an easy money policy the print and spend policies that I described earlier first an easy credit policy is also inflationary more money is brought into circulation and prices will be higher excuse me I need some more so the consequences are largely the same more money is brought into circulation and prices will be higher and the purchasing power of money lower than would have been the case otherwise second the credit expansion to has no effect on the quantity or quality of all goods that otherwise exist in society it neither increases nor decreases their amount more money is just that that is more paper it does not and cannot increase social wealth by one Iota third easy credit also engenders a systematic redistribution of social wealth in favor of you the central bank and the commercial banks within your banking cartel you will receive an interest return on money that you have created out of sin air at practically zero cost instead of on money costly saved out of an existing income and so do the banks who earn additional interest on your costless money loss both you and your banker friends thereby appropriate and unearned income you and the banks are enriched at the expense of all real money savers because these real money savers receive now a lower interest return than they otherwise would have that is without the injection of your and the banks cheap credit into the credit market on the other hand there also exists a fundamental difference between an easy print and spend money policy and an easy print and then loan out money policy first off an easy credit policy authors the production structure that is it changes what is produced and by whom in a very significant way you the chief of the central bank can create it out of sin air you do not first have to save money out of your money income that is you do not have to cut your own expenses and thus abstain from buying certain non-money goods as every normal person must if he extends credit to someone else you only have to turn on the printing press and can thus undercut any interest rate demanded of borrowers by savers elsewhere in the market granting credit does not involve any sacrifice on your part which is why this institution is of course so marvelous if you are in control of it if things then go well you will be paid a positive interest return on your paper money investment and if they don't go well well as a money producer money monopoly producer you can always make up losses more easily than anyone else namely by covering your losses was even more printed paper without cost then and no genuine personal risk of losses you will then grant credit essentially indiscriminately that is to everyone and for any purpose without much concern for the credit worthiness of the debtor or the soundness of his business plan because of your easy credit certain people in particular investment bankers who otherwise would not be deemed sufficiently credit worthy and certain projects in particular projects financed by banks and their main clients that would not be considered profitable but wasteful or too risky instead do get credit and do get funded essentially the same applies to the commercial banks within your banking cartel because of their special relationship to you as the first recipients of your costless low interest paper money credit the banks too can offer loans to prospective lenders at interest rates below market interest rates and if things go well for them they go well and if they don't they can rely on you as a monopolistic producer of money that you will bail them out in the same way as you bail out yourself out of any financial trouble namely by printing more paper accordingly the banks too will be less discriminating in the selection of their clients and their business plans and more prone to fund the wrong people and the wrong projects and there's a second important difference between a print and spend and the print and loan policy and this difference explains why the income and wealth redistribution in your and your banker friends favor that is set in motion by easy credit takes the specific form of a temporal boom bus cycle that is of an initial phase of seeming general prosperity or of expected increases in future incomes and wealth followed by a phase of widespread impoverishment when the prosperity of the boom period is revealed as a widespread illusion the boom bus feature is a logical and physically necessary consequence of credit created out of sin air of credit unbacked by savings or as we economists call it also of fiduciary credit and of the fact that every investment of course takes some time and only shows later on in the future at some time in the future whether it is successful or not now the reason for the business cycle is as elementary as it is fundamental imagine Robinson Crusoe and Robinson Crusoe can give a loan of fish which he has not consumed himself to Friday Friday then with this loan can convert the savings provided to him by Robinson into a fishing net he can eat the fish while constructing the net and with the help of the net then Friday in principle is capable of repaying his loan to Robinson plus interest and still earn an additional profit for himself additional fish but all of this is physically impossible if Robinson's loan is only a paper note denominated in fish but unbacked by any real fish savings that is if Robinson has no fish because he has consumed at all then and necessarily so Friday must obviously fail in his investment endeavor in a simple barter economy as in the Robinson Crusoe Friday case in a simple barter economy of course this would become apparent immediately Friday will not simply not accept Robinson's paper credit in the first place but he would accept only real commodity credit real fish credit and because of this the boom bust cycle will not get started at all in a barter economy but in a complex monetary economy the fact that credit was created out of sin air is not noticeable every credit note looks like any other and because of this the notes are accepted by the takers of credit now this does not change the fundamental fact of reality that nothing can can be produced out of nothing and that investment projects undertaken without any real funding whatsoever but that is by savings must fail but it explains why a boom that is an increased level of investment accompanied by the expectation of higher future income and wealth can get started Friday does accept the note so to speak instead of immediately refusing it and begins to build the net and it explains then why it then takes a while until the physical reality reasserts itself and reveals such expectations as illusory because of a lack of true funding in order to complete all investment projects that had begun now but what's a little crisis to you even if your past to riches is through repeated economic crisis brought about by your paper money regime and central bank policy from your point of view that is from the viewpoint as a head of state and the chief of the central bank this form of print and loan wealth redistribution in your own and your bankers friends favor while less immediate than that achieved with a simple print and then spent policy is still much preferable because it is far more difficult to see through and recognize for what it truly is rather than coming across as a plain fraud and parasite in pursuing an easy credit policy you can even pretend that you are engaged in the selfless task of investing in the future rather than spending on present free volatiles and even government and you can pretend that you are healing economic crisis rather than actually causing them and even government deficits financed by the sale of interest bearing government bonds to commercial banks or to the general public look like normal deficits and like normal corporate bonds the government must pay interest on its bonds and it looks like it must productively invest its loans in order to do so yet in fact the loans granted by commercial back granted to commercial banks are made possible what the loans that commercial banks grant to the government are made possible only because first your central bank provides these commercial banks with the necessary funds or reserves to give them a loan to the government and in any case the repayment of your loans plus interest can be always assured by your own central bank in producing still more money and credit in the future so what a crazy world is this thank you very much


What is going on guys, welcome back to the channel and I do appreciate you being here.  But before we go any further guys, if you enjoyed the video and would like to show you support you can by hitting that like button and if you are new around here and enjoy daily Destiny 2 videos be sure to subscribe. Ok so the Iron Banner questline, Test of Shrimps is how it starts, has it's good and bad points, good points we like to grind, bad points, some of the steps are stupid long, crazy hard and it takes place not in normal PvP but it's Iron Banner PvP which instantly turns into a sweat fest of crazy try hard bastards trying to impress their imagino sweethearts which in reality is just their right hands and that's without me even mentioning the matchmaking and the connection and then there's a lot of wolves. Now a lot of wolves is a hundred times worse on PC than when it's on console but it's still crazy on console. Now I've seen a few tweets by a few content creators and that bungee asking all nicely for it to be nerfed. Bungee I like whatever we will nerf it when we feel we need to and I say that in the sense of no response by bungee they need a good telling if you ask me no holding back so if anyone at bungee is watching this fix your stupid game by either graying at the weapon till it's fixed or nerfing the bastard thing because it's ruining PvP for many people who are looking forward to it due to Iron Banner so is shit as I mean Jesus you've made so much great progress with opulence back to a million players playing on a daily basis we know you think you can get away with knowing this fact but please sort is shit out I mean people bunch of hate me anyway and it's because I say how it is so yeah so with that out of the way the Iron Banner quest wow and the fact this isn't account-wide either is beyond me yes you have to do this on every character if you want the Iron Banner armor for each craziness so the quest starts with a test of strength and points by defeating enemy guardians in Iron Banner this part is relatively well straightforward the next step is armed and dangerous as a team and points by capturing zones and earning power plays the more teammates capturing the zone the greater the points and again quite straightforward the next step light it up as a team and points by defeating guardians in the Iron Banner with supers this can be a little bit crazy but it isn't too bad either the next step non-stop as a team and points by defeating enemies in Iron Banner using auto rifles fusion rifles get rifles snipers and swords well straightforward as well the next step and the final step is earn points by completing Iron Banner matches win streaks are worth significantly more points so after a crazy grind to get to that last step it further requires you to play even more Iron Banner and to be honest guys it gets a little bit heartbreaking at the stage I mean I know many people out there who might be watching this video enjoy PvP in their six stacks I ain't gonna hate on you do your thing but many people play solo many people play in two man teams or three man teams and Iron Banner for many of them is unbearable so getting to this stage of the quest and having to play even more Iron Banner where wins are put you there it does like I say break your heart and to be honest this step is slow if you also ain't smashing every game so once you get to this part of the quest there's actually a glitch you can do which almost allows you to completely bypass this part of the quest which is no doubt the longest part of the quest and it's relatively simple people so once you're on this part of the quest play a single game well until you get at least one percent progress on this part of the quest then simply back out then all you need to do is people load into the tower as soon as you start loading simply just change character when you come back to this character you will have made progress do this five or six times and it completes this part of the quest meaning then simply you just visit mr saladin and bam you are done now you can see this working on screen now thanks to my pal lucky and a massive shout to him as I do believe he's the original founder of this his twitch and youtube channel can be found linked within the video description do check him out and show him some love he's one of the best streamers on destiny out there for sure so yeah guys this part can be glitched and skipped which means you don't have to go back into i am banner we're not in that one character anyway so yeah as soon as you get through this part of the quest make progress on this part of the quest then simply back out then all you need to do is people load into the tower as soon as you start loading in simply just change character when you come back to this character you will have made progress do this as many times as it takes to get this quest step done obviously it will take a little longer to do on console than what it will be on pc because of loading times well it still means you don't have to play any more i am banner to get this done so yeah guys i really hope this helps you out i thought i'd drop this right now because and many people ain't even at this part of the question me included so as long as you are aware of this before you get to the stage we are all good but on that note we have come to the end of the video guys we enjoyed it leaving a like really does help out if you are new around to and enjoy daily destiny two videos be sure to subscribe and if you never want to miss a video i upload you can turn notifications on by hitting that bell button but guys thanks as always for stopping by hopefully you enjoyed the video and hopefully i will see you on that next one


Hey everyone, Drew with GeoArm and I am back and I am excited to introduce to you the Geo Alarm, GeoCP and more specifically in this case, the GeoKit L or GeoKit Large which is our, it's two steps up from our base kit. It's going to be including a lot more equipment than the typical GeoKit S or GeoKit M would have. But I'll go ahead and I'll get this unboxed with you so you can see exactly what it comes with. As you can see over here we have all of our additional parts. I'm going to go ahead and get this out of the way but if you need to open this box up it's very easy. You just slide it out of its sleeve and then you get to the box here. Alright, so we'll get inside of the box. Immediately when you open up the box you're going to notice that you have your welcome letter. It's going to have your account number, your name, a brief little introduction here, three steps to get you going as well as the QR codes for all the installation and programming videos that you're going to need to get your GeoCP program. Alright, I'm going to set this to the side. Next you're going to see the Geo Alarm sign. This thing is durable, made out of metal and won't fade on you. Get this thing mounted. I'm going to put that on the side over here. We have the packaging. Inside of the packaging and the boxing you'll see the GeoCP control panel. Inside of its stick foam insert to protect it even further during shipping. We'll move this to the side. Underneath its little prop box here we're going to have all the mounting materials for the GeoCP. The anchors and screws, the back plate if you're going to wall mount it and the desk mount if you're going to put it on the desk. Move this to the side here. The kit itself will only come initially inside of the box with the three door window contacts, one motion detector, the power supply and if you did or did not get a doorbell it's not going to matter, this will still be in here. If you did get the doorbell it'll be face up, it'll say doorbell cam and then the doorbell camera will be inside of the box, otherwise it'll be flipped upside down like this and it's just a space filler. As you can see all of the other door contacts are on the outside here as well as the motion detectors, totaling to 20 door window contacts and five motion detectors for the GeoKit L. Ladies and gentlemen this is the GeoKit L or GeoKit large for the Geo alarm control panel. If you guys have any questions or any comments please leave them below. Take care and have a great day. Please like and subscribe to our page for helpful programming and installation videos, product reviews, monitoring, products and more. Visit www.geoarm.com or call<PHONE_NUMBER> that's www.geoarm.com or<PHONE_NUMBER> Geoarm, the worldwide leader in DIY security.


Hi friends, welcome back to my channel and a very special welcome. If you're new here, my name is Jen. I'm a certified weight loss and nutrition coach and it is Friday, so it is weigh in day. We're gonna talk about my week and we're gonna talk about this week's Weight Watchers Workshop topic.  Make sure you're subscribed. Your bell notification is turned on because I upload a weigh in every Friday and actually five videos every single week. Don't forget to check out the description box down below where you will find nutrition coaching. This is, I do offer personalized macros and calories. This is how I have lost and maintained a 140 pound weight loss as well as one-on-one coaching for questions to talk with me directly or if you really just need some accountability on your weight loss journey, that is what one-on-one coaching is for. Links to discounts to my favorite things as well as my Facebook group, come join us there. We'd love to have you are all down in that description box. So let's chat about my week, my weigh in and this week's Weight Watchers Workshop topic. I hope you had an amazing week. I hope you had an amazing, amazing Halloween. You are seeing this video on Friday but I am filming this video on Wednesday. I actually head out in just a couple hours to go to San Antonio, Texas for a nutrition conference. So I am actually out of town on Friday when I typically film this video. So it's only been a few days since my last weigh in but I wanted to share with you what has happened on the scale. I want to talk to you about my week and what my plan was for my trip to San Antonio and the Weight Watchers Workshop topic is really good this week. So let's first talk a little bit about my week. It's only been about four days since my last weigh in. Since my last weigh in, I've been doing nothing. My metabolism has been metabolizing. I've been exercising. I enjoyed candy on Halloween. I went to a Halloween party on Saturday. I went out to dinner with my in-laws on Sunday. It's been a little bit of a week of festivities with the Halloween holiday. I will pop up some pictures here of the Halloween party that we went to. Troy and I dressed up as hippies, which was really, really fun. Originally, I was going to be a devil. So I had purchased a devil costume for a conference I went to in September and then Troy decided to be a hippie and I thought, well, I have to be a hippie too, right? We're gonna do a couple situation and our costumes are adorable. They were both from Amazon. They were super comfortable, super fun. Just the perfect couples costume and then of course I handed out candy to the kids on Halloween. Luckily, where we live is a community. Unlucky for us, we live in a gated part of the community so we get a little less kids, less trick-or-treaters than other areas. But because we are pretty close to the Mexico border, a lot of those families bring their kids to Rancho where I live to trick-or-treat. So one of my favorite things about Halloween is handing out candy. So I had an amazing time handing out candy to the kids and then of course got to bed pretty early so that I can head out for my trip to San Antonio this week. Now I've never been to San Antonio before so I'm very, very excited to go. I am doing a 5K while I'm there. I did all of my workouts this week per usual and I'm planning on hitting up the gym in San Antonio at least a couple of times. We do have a couple of fitness classes as well. One of them is Zumba and you know, Zumba's not my thing. Zumba's not my jam unfortunately but there is kind of a strength training hit workout I'll probably go to as well. So I definitely am going to get in some movement even though I'm on a little mini vacation. All of my food is provided to me at the conference luckily because it's nutrition based, it's healthy food. So I'm looking forward to that. Again, I'm not going to have control over my food. I am however packing my pre-made protein shakes for my protein coffee every morning and I also am packing quite a few protein bars. That way worst case scenario I can get in my protein every day. I am not planning on tracking. I never track when I'm on vacation. I'm on vacation. I'm going to enjoy myself.  I'm not going to track my food. I'm going to move my body. I'm going to drink my water. I'm going to live my best life. When I'm in San Antonio, I've never been so I'm very, very excited to attend this conference and I'm very excited to experience Texas. We're doing a ghost tour one night. We're doing a hop on and off bus city tour for like seven or eight hours one day so we can see all of San Antonio. We're going to go to the river walk. I cannot wait. So I am heading out like I said here in a couple hours for my trip but I wanted to talk with you guys about this week's Weight Watchers Workshop topic and I wanted to share my weigh-in with you but before I do, let's dive into the topic and that is how to manage your cravings in two minutes. As a weight loss and nutrition coach that is one of the things I get asked all the time about. How do you manage cravings? How do you not crave salty things and sugary things? Do you give into those cravings? How do you manage it? And this topic is so good and the tips are also so good. Whether you get cravings for certain foods or you feel the urge to snack in sort of motion here when you're happy, sad, mad, bored, these tips and tricks are really going to help you manage that in two minutes or less. Number one, get comfy and close your eyes. Focus on your breathing. Number two, picture an ocean with gentle waves. Notice how they rise, fall and disappear again and again. Number three, imagine each wave as your urge to eat. Watch as each thought, feeling and urge itself passes you by. And number four, acknowledge and accept what you're feeling and thinking. After two minutes, take three deep breaths and come back to the present moment. When a craving or an emotion passes over us, we need to be mindful in managing that craving or emotion. And following these four easy steps that takes less than two minutes, you're really going to be able to recenter and think about am I actually hungry? Am I just craving this because I have head hunger, not actual hunger? Am I craving it because I'm happy, sad, mad, bored, am I craving it because I saw a picture of it, a video of it, a commercial about it? This really just gives you a chance to recenter before giving into that craving. That type of not physically hungry hunger called external hunger is a lot like a wave. It builds and builds then peaks. But pausing to feel that drive to eat, accept it and let it go, can help you over the crest and allow the wave to pass without eating. We call it surfing the urge. And the more you practice this meditation, the weaker the future waves will be. External hunger is a real thing. We smell food. We see food. Someone mentions food. I will give you a personal example of this. It's been a couple of months now, but I was actually visiting my next door neighbor after she had her baby. And she was talking about how she got this white cake with white frosting, which is my favorite cake at our local Kroger store. And she said it was the best cake she's ever eaten. Four days upon days, I could not get white cake with white frosting out of my mind. I tried. I tried to forget about it. I tried to think about other things. I tried to think about substitutes for the white cake and white frosting, but the urge and the craving would not go away. So guess what? I went to Kroger and I bought a white cake with white frosting, a full-size cake, and I ate it every single day for a week. And since then, guess what I haven't craved? White cake and white frosting. What I did though is I didn't immediately run to Kroger and buy the cake. I let it go for days. I'm talking probably close to a week before I gave in to that and really thought about, do I really want this? And I just couldn't get it out of my mind. That is a time when it's okay to give in to external hunger cues.  External cues are everywhere. Like I said, talking to your neighbor about white cakes, seeing a commercial, smelling a food, being on TikTok and someone creating a yummy recipe. That is external cues, which leads to head hunger. So check in with yourself. Follow these tips and tricks from Weight Watchers to see if you really want to give in or not give in. Is it going to derail your weight loss journey enough that it's not worth it? Or is it just a small indulgence that you can have and be over it for who knows how long, maybe even forever? I also wanna share with you three fast facts from Weight Watchers. Number one, cravings are usually brief, relatively predictable and most importantly, defeatable. Number two, stepping back to observe a craving allows us to recognize it as a moment that will pass. And number three, each time we don't eat in response to a craving, future urges tend to be less intense and subside more easily. You get in a pattern of mindfully navigating those cravings and as time goes on, those cravings lessen more and more. And I will tell you, the more protein you eat, the less cravings that you're going to have naturally. Protein is the macro that satisfies your body the most. And I know, I know there are a lot of you out there watching me sense following macros and calories that I did for you. You have a lot less cravings.  What is going on? It's getting in enough protein every day. So if you're one of those people, comment down below, let us know how eating enough protein has really helped you navigate your cravings. But just think twice before about giving in, really decide if it's worth it for you. I love this topic and like I said, I'm really excited that I got to discuss it with you before I head out for my trip because I'm going to use this two minute technique while I'm on my vacation. Maybe I don't need to eat dessert every day or several times a day. I'm really going to follow these tips and tricks myself moving forward. So lastly, I want to share with you my weigh-in. Like I said, it's been a whole whopping four days. Last week I gained 0.4. We call that a maintenance. I just started my cycle, my lovely, wonderful cycle on Sunday. Luckily by the time I get on my trip and enter the pool for the first time, my cycle will pretty much be gone. Thank goodness. But this always happens to me. It happened when I went to Hawaii. It happened on my trip to Texas. She just has the worst timing of pretty much anybody when it comes to coming into play before a little vacation. So I bet a little bit hungry this week. Saturday, I was a bottomless pit. Saturday that we went to the Halloween party. I ate about 3,000 calories on Saturday. I was so hungry all day. I would eat and within 30 minutes I was actually hungry.  It was physical hunger. So if I'm hungry, I'm going to eat. So I had a really high calorie day on Saturday. Like I mentioned, Sunday my cycle started. That's when my hunger kind of just goes back to normal and then my hunger has been pretty normal the rest of the week. I always am pretty lean right before my cycle and then when my cycle starts, it spikes up and then it kind of levels out again. So right now I'm kind of in that still spiked up but leveling out phase. So since my last weigh in, last Friday, when I stepped on the scale today, I weigh exactly the same. I'm still up 0.4 from about a week and a half ago. It's a maintenance for me. I'm currently on my cycle. I'm taking it as a huge win. And that's coming off of, like I mentioned, a busy week filled with the Halloween party, dinner with my in-laws and Halloween. So listen, I'm not mad about it. I'm not mad about a maintenance. And actually, side note, maintenance is my goal for my trip to Texas. I am looking to maintain my weight. If I lose weight, like I did in Hawaii, I lost a pound on my trip to Hawaii, bonus. Otherwise, I'm always looking to maintain not gain when I'm on vacation. So I'm happy with my week. I'm happy that I enjoyed all the Halloween festivities. I ate when I was hungry, whether I went over my calories or not. And honestly, I feel really good about a maintenance and I feel fine being 0.4 up from the week before. One more little side note. I got my body scan results back. I went over my results with a couple of different sources that explained them a little bit more thoroughly. I have a lot of changes coming in my fitness journey, in the way that I'm eating. That video will be coming out mid-November. Once I get all of the pieces into play, there's a lot of changes coming. So make sure you're subscribed in your bells on so you don't miss that video. Now I wanna hear from you. Let me know how was your week? How was your weigh-in? Do you find that you give into your cravings and are you going to utilize these tips from Weight Watchers just like I am to navigate that a little bit easier? And of course, check out that description box for nutrition coaching. Links and discounts to my favorite things. Come join my Facebook group. I'll be sharing pictures and things there as well as over on my Instagram. Thumbs up the video if you enjoyed it. And again, don't forget to subscribe. Thank you so much for watching. Happy Friday, friends. I hope you have an amazing weekend.  There will not be a meal prep on Monday because I don't actually return home until Monday. So again, thank you for watching, friends, and I'll see you in the next one. Bye.


Have you ever thought about day trading the US stock market? Well, I can teach you how. I have a proven method and system I've been using for 10 years on trading gaps. Gaps happen every day in the market. And if you'd like to trade for a living, you can do this because there are significant moves in the stocks that I look at and watch every day that gap. I mostly focus on shorts. However, I do sometimes look at longs, but they have big moves. And if you're a day trader or an active trader, the idea is getting the move. If you short a stock at $10 and a drop stand to $9, and you have 5,000 shares, what's your profit? $5,000. And it's just as easy as that. What is the challenge to trading or becoming a successful trader to make the cut in money? Having a focus, a daily focus on what you do. So the reason I'm successful is because I'm following every day my own method and a focus, and I'm looking for stocks that are being moved by institutions in the market. What are institutions buying and what are they selling? My institutions, I mean hedge funds and large banks who take big positions in stocks in the market daily. If you'd like more information and you can come to my free webinar, email me at melissa at thestockswitch.com. You can learn more at the webinar. If you'd like to learn my Golden Gat class, I teach it once a month. Thanks everyone and have a great night.


The Profitability Index is a capital budgeting tool that allows us to rank projects based on the number of dollars returned for each dollar invested. It is useful because often projects with large initial investments tend to have larger net present values than projects with smaller investments. Yet the smaller project may be more profitable per dollar invested. I think an example is the best way to demonstrate this. REM is considering three capital projects, all with positive net present values. The Radio Free Europe project has net present value of $500,000. The Man on the Moon project has net present value of $1.6 million, and it's the end of the world as we know it project has net present value of $2 million. Since capital is limited, which should they choose? Well, based on the net present values, it appears that we should choose it's the end of the world as we know it project, which has net present value of $2 million. But perhaps we should apply the Profitability Index to these projects and see if that is true. This is a common template used for profitability index analysis. The calculation for profitability index is net present value divided by initial investment. So you can see I completed the table. Once we compare net present value to their initial investments of the project, it appears that the best project is Radio Free Europe, as it returns $2 for every dollar invested. When capital rationing limits the number of projects, ranking projects from highest to lowest profitability index shows the greatest dollar earned per dollar invested.