Thank you very much, and we move on with the next paper, Manuel van der Skutsch. Yes, good afternoon and thank you for inviting me to present a paper in this session. I have to apologize that I came in a bit late and I have to leave immediately after my paper, but this is because we are having the EAA Executive Board meeting and I will have to return, so sorry for disappearing after this. So I will try to give a very brief overview on urbanization processes in the late Iron Age and obviously in 15 minutes I can just select a few things. I will particularly focus on the question, if well this process is rather bottom up or top down. There's a lot of recent literature on the topic of centralization and urbanization in the Iron Age. I'm just listing here three edited volumes that are many others and if you are interested in reading more about the arguments I'm presenting here, I also published an article at the beginning of this year in the Journal of Archaeological Research which is open access, so you can have a look at that. So I'm particularly focusing on Central, Western Europe and in this area during the Iron Age in the 1st millennium BC we have two different periods of emergence of large agglomerations. An important point is that there is no continuity between these two different stages. So this is our first period mostly in the 6th and 5th centuries BC where we see the emergence of some large settlements, the so-called first and 6th or princely seeds with some sites such as the hornywork or bush that could reach at certain moments up to 100 or even a case of bush 200-300 hectares. And then there's a period of discontinuity in the 4th and part of the 3rd centuries BC where we see the disappearance or at least a marked decline of these centers. And then in the 3rd century BC we see the start of a new process of concentration of population and activities at certain sites and this gives rise to a number of open agglomerations and also the fortified settlements that we know as OPIDA. And as I say it's important to emphasize that this is a non-linear development so this is important in order to react to linear models of evolution which do not work here for the European Iron Age. I have published in the last years and many other colleagues as well quite a lot on the earlier stage of the 6th, 5th century BC first and 6th, today I will focus on the late Iron Age urbanization processes that took place between the 3rd and the 1st centuries BC. So after the period of decentralization of the 4th and early 3rd centuries BC we see a new movement towards concentration of population increase in economic production trade activities related to demographic growth and here we have open agglomerations and fortified sites. And for a long time scholars have focused mostly on the fortified sites the OPIDA but actually we know that the situation now that the situation was much more complex and actually these processes of concentration of population and economic activities began much earlier than the foundation of the fortified sites. So some scholars have created new categories to acknowledge this diversity of large sites in the period for example Vladimir Salat distinguishes between four different categories the first two of them are open settlements the second ones are fortified. So he speaks about centers of production and distribution centers of the names such as Roseldorf type these two were open and then among the OPIDA he distinguishes between mountain OPIDA and lowland OPIDA and he also attaches a series of criteria and characteristics for all the centers. What has been particularly important in the last few decades is the acknowledgments of the importance of the open agglomerations. They started earlier than the fortified OPIDA already in the 3rd or in the early 2nd century BC depending on the site and we can name some important examples that we have between western France and central eastern Europe for example Orna, Lebrou, Bécher, Poulantin, Lausice, Nemsich, Sallopetri and some of these open agglomerations were large production and distribution centers so they fulfilled a very important economic role and in some of them we also have evidences for sanctuaries religious political activities. Among the features that we can find are many of these open agglomerations we have coin minting imports from distant regions including sometimes from the Mediterranean a metallurgical production on a large scale manufacture of glass objects etc so a whole set of economic activities that in some cases have been described as proto-industrial. So how should we interpret this and how does the role of open agglomerations make us rethink the urbanization process in the late iron age. So the OPIDA the start mostly around the end of the very end of the 2nd and beginning of the 1st century BC and this has often been linked particularly in regions such as in central gold or southern Germany with the growing expansion of Rome the conquest of southern France, the Narbonenses and this would have triggered the appearance of the OPIDA. So in this garden I'm not neglecting that this increasing pressure from Rome played a role in the development of the OPIDA but what we see and the open agglomerations make it very clear is does the process of centralization or urbanization was earlier this goes back to the 3rd century BC and it's part of what I have already mentioned product trends that we can observe demographic growth, increasing agricultural and artistic production new tools, new applications flourishing trade so the roots of the entire process well there's obviously a combination of internal and external roots but I think we need to give more importance to the internal roots at least for the beginning, at least for the open agglomerations and then obviously in later stages we see an increasing contact and pressure from Rome that accelerated the process. If we compare open agglomerations and 45 OPIDA we see that on occasions one more fine recovered at the open settlement even exceeds the fines that we have from some prominent OPIDA this is a table published for example by Vladimir Salac and the range of activities that were happening at this site are often very similar for example if we compare Beshin-Polandin and the nearby OPIDA of Manchin So several scholars and I support this idea have emphasized that we need to discard the idea the traditional idea that the important economic activities were concentrating 45 sites, they were not in many cases open settlements had an equally or even more important economical role and we should also question the role of wars of fortifications as proxies for urbanism in fact many open agglomerations are closer to contextual definition of city than some of the 45 sites we have some, I would say some OPIDA yes some OPIDA we can say that they were towns or cities but others we also know others that have very little evidence for internal occupation so in terms of social processes, power dynamics it seems that most open agglomerations developed over a period of time as a result of organic rows and in this sense bottom up processes seem to have played an important role and I would like to contrast this with the OPIDA the fortified settlements, we know more than 150 of them within the Atlantic coast and Hungary, Slovakia they date from mostly in the end of the second or beginning of the first centuries we see and usually when scholars use the term OPIDA we are referring to a fortified site from this period with an area of at least 10 hectares in some cases several hundred hectares as you can see here and obviously some Latin term that was used by also particularly Julius Caesar to describe the settlement and this was adopted by archaeologists in the 19th century so we have this emergence of the OPIDA but with an already pre-existing network of open agglomerations so what happened to the open agglomerations when we see the foundation of the OPIDA where actually there are many answers there is no one single scenario we can distinguish four main scenarios sometimes we have the abandonment of an open agglomeration in favor of a new settlement so I move from the plain to the hill for example Le Brou in France sometimes we see the continuation of an open agglomeration despite the foundation of an OPIDA nearby in other cases a pre-existing open agglomeration becomes fortified at a certain moment of its history this is the case for example in Manching in Bavaria and finally in some cases we also have the foundation of an open agglomeration in the immediate vicinity of an already existing OPIDA and this last case for example happens in Bibracte in central France where we have the large OPIDA mentioned in Britain sources which has an area that in different moments got about 200 and later 130 hectares more recent research carried out by colleagues such as Domour has identified an important open agglomeration in the immediate vicinity of the fortified site on the mountain more than 100 hectares large and then we have a very dense network also of contemporary rural sites so when people speak about Bibracte it should be only think about the fortified site in the mountain enclosed by the walls or was Bibracte actually a much larger settlement complex and we need to understand this as being part of the same system the fortified area, the open agglomeration and the surroundings in the case of the OPIDA the majority of them seem to have been founded as the result of a deliberate political decision that in many cases might have involved processes of cynicism and in this sense it has been suggested that this were a process directed mostly top down by elites and when we say elites we are not meaning when not mean necessarily one single person that we can think about a system of different representatives of different lineages different aristocratic members that then take decisions and at some point found this OPIDA but there were mostly foundations ex-noble most of the OPIDA were created at a certain period of time as a deliberate project rather than the process of a larger evolution as in the case of open settlements this doesn't mean that there are no links with the past in some cases the OPIDA occupy sites that had an earlier significance so there were probably places that were important in the social memory some of them we know they had some kind of ritual religious significance but they were founded ex-noble and we can also see this process as and have developed this in a number of papers adopting a Foucaultian perspective as a new technology of power that was enabled and a more hierarchical and centralizing ideology another example of the complexity of iron age settlement landscapes that needs us to re-sync some of our previous models Mathieu Poux has been carrying out extensive research in the area of Corot in Daubert in France and here we have three OPIDA that are located in close proximity Corot, Cécovie, Gondol previously it was believed that it was a chronological decalage so one was created, then abandoned and then they moved to the next one and then to the next one new research suggests that there were at least partly contemporaneous so he has suggested in a paper from 2014 that we need to sync this as a complex settlement system encompassing a large territory rather than just syncing in single sight we need to understand this as a whole and to an end what happened to the system where it mostly ends with the Roman conquest but not necessarily immediately with the military conquest actually in Gaul and partly also in other areas such as Britain and Iberia the majority of the OPIDA were not abandoned during or immediately after the Roman conquest actually in some cases we even see a flourishing of the OPIDA in the decades after the Roman conquest for example in Biberac we have aristocrates Domus copying italic models by local aristocracies the foundation of Basilica the east of the Rhine is a different scenario there we have other processes and in some OPIDA in Biberia for example seem to have been abandoned before any Roman legions when there so this were other processes but in the areas of Gaul and partly also in other areas of the west the major break that we observe is not the Roman conquest but Julius Caesar is in the Augustan period where we see a large reorganization of the landscape of the socio-political and economic system but some OPIDA continue to develop so many ended but others continue to develop and some are even cities today and this was a very quick overview and as I said I'm sorry I will not be here for the discussion if anybody has any specific questions or comments I'm happy to get emails from you and thank you very much


It's easier for the small company, with a high risk, to start off as a university spinoff. The Tech is a company established to commercial technology that Lothar and I developed. The product that the company currently provides for the researchers on the market is a kit. It's a set of the reagents that allow scientists in their laboratory to detect DNA methylation over the specific gene targets that they are interested in. Being a university spinoff has a pretty big advantage. We don't have to start a new laboratory where we have to have it all up and running again. We can continue the research we have done and actually use the same facilities. One of the big challenges is that the research that is being conducted here at the university is a high degree of basic research. The technology that comes out of the university is at a very early stage. It's difficult to get it commercialised. One of the tools we use to change technology is to create a spin-out effect. In spin-out effect, there is a possibility to attract investors and get the technology changed. From the university time, we help researchers in their laboratory to enable them to establish their own company. When the first company is established, we release it and then it's a company on its own and just like everyone else in the country. How innovation is one of the four Danish innovation countries. We set the world to invest in early technological startups, for example spin-outs from universities. It's an absolute advantage that universities themselves are involved in supporting spin-outs. One of the features of the technology transfer function at the university is that it helps to make a management plan. The other thing that is at least so important is that when we create a spin-out for the university that the company still has access to laboratories and facilities and also some of the researchers, because we simply don't have the means to finance a complete organization and then start it. The dynamic, the learning and the change of this system is something that you see in a lot of hospitals and it's both cancer, of course, but it's diabetes, heart attack hospitals, psychiatric hospitals and so on. So the potential for the applications of the technology in the future is huge.


Good morning everyone. I hope everyone's going to have a great Friday going into the weekend. We have this lovely patient here today. Today instead of putting implants, we're taking out implants and everything is right for a time in your life and sometimes you need to reverse it. She had implants done about 18 years ago. She's in her late 40s. She's talking with her. She does have some symptoms of breast implant illness. I don't know if that's what it is or not, but she did say she had some fibromyalgia, some fatigue, some body aches. So we hope that this does aid her and help her in recovery. Look at her implants. You can see definitely this one is higher than this one. So the right side has a capsular contracture. This is funny because if you see in a bikini, this looks better because people are like, oh my god, look at how high it is. But actually this is the one that has issues because this is the one that have capsules. I'm not going to squeeze it because it's going to be uncomfortable for her, but I promise you she has pain and discomfort with that one. This one is much softer and normal, but again in a bikini this looks better. That's what people want, but they don't know under it they have issues. So I'm hoping that this will help her. In addition to that she has an inverted nipple that I'm going to fix for her today. It's going to be a nice piece and I'm very hopeful that this is going to give her the benefits that she's looking for. Thank you so much.  So we're going to make a fold right at the crease right here and you can see her implant over the 18 years has migrated to below the inframamory line. So it's opened up a bit. So we're just going to make an incision right here right on her fold so it'll be hidden and then we're going to go in and take out this implant for her to take out the implant. Here's her implant. So she has textured implants about, let's see what they are there. It's been in there so long, can't even read the writing on it. We'll figure it out for you guys at home. So this is a textured implant 450 high profile. You can see because it was so many years it was encapsulated. It has wrinkles in it, but good thing is it hasn't ruptured. It's still intact. This is the shell we call the capsule. You could see one side is very slippery and sheer. That's on the side of the implant. You could see it. It wasn't even calcified. It was very thin. It's almost see-through, but it was encompassing the implant so hard that it had deformed it. I want you guys to see this for 18 years this weight was on her chest. So look at how it cons the ribs to get indented because this is heavy 18 years sitting right there. Look at how there is a cavity created indentation in the ribs with implant. This happens with implants everywhere even with facial implants. If you put it in your chin or cheekbones just the pressure of having something on your bone will cause it to get a little bit of a concavity and you could clearly see it here. Her ribs are higher here, higher here, but where the implant was there is a nice concavity.


Welcome to the Dr. Robert H. and Mary Ellen Harris ZAPEX Center for Non-Invasive Neurosurgery at the Hackensack Meridian Neuroscience Institute at Jersey Shore University Medical Center, the first center in the world to combine ZAPEX gyroscopic radiosurgery with synaptive brain-only silent MRI. This has been made possible due to the extraordinary generosity of Mrs. Mary Ellen Harris and the Golden Dome Foundation. ZAPEX is an advanced form of radiation therapy that can deliver stereotactic radiosurgery to provide precise, painless, and non-invasive outpatient treatment for patients with brain tumors, facial pain, and arteriovenous malformations. Here's what patients can expect during treatment. During the consultation, the team explains how the treatment process works and determines if the patient is a good candidate for the procedure. This can ask questions and will be advised on how to best prepare for the procedure. Next, the clinical team makes a thermoplastic mask that will be used during the patient's treatment. The mask is used to help hold the patient in a comfortable and consistent position during both the patient imaging and treatment delivery. This is made in the CT simulator room and is made of a flexible material which is warmed to custom mold to the patient's head. The mask then cools and becomes rigid for use during the course of treatment. This process is painless and typically lasts about 15 to 20 minutes. Once the mask is created, the CT simulation is performed. A highly specialized CT imaging machine is utilized to visualize the size, shape, and location of the tumor or targeted area of the brain. The patient must lie still during the simulation which takes approximately 15 to 20 minutes. The next step is the Synaptive Brain Only MRI Simulation. The combination of the CT simulator and the MRI simulator procedures allow for the most precise imaging and mapping of the target treatment area. During the Synaptive MRI, the patient is placed in the machine where only their head will be enclosed. This allows the MRI to capture more precise images and prevents the patient from being fully enclosed. Quieter than a traditional MRI machine and is faster than traditional MRI imaging. This process usually takes between 15 to 20 minutes and is typically performed the same day as the CT simulation. At this stage, pre-treatment imaging is complete and the clinical team can develop a customized treatment plan. The team reviews all imaging, identifying precise target locations and nearby critical organs or radio sensitive areas to avoid. This information is necessary for the most targeted treatment possible, limiting exposure to healthy tissue. The patient is then scheduled for their ZAPEX treatment. The ZAPEX treatment is performed in one to five sessions depending on the patient's treatment plan. On the day of treatment, the patient lies on the treatment table and is secured in place using the fitted thermoplastic mask. Then, relying on the defined treatment plan, ZAPEX aligns the patient, the gyroscopic robot is positioned and treatment begins. The patient feels nothing during the treatment and is able to communicate with the team during the procedure. ZAPEX delivers high doses of radiation to tumor tissue with one millimeter precision. Hundreds of uniquely angled radiation beams are directed at the tumor with very little radiation affecting nearby healthy tissue. As a result, patients have a lower risk of experiencing side effects. The procedure usually takes about 20 minutes, but can vary based on the patient's unique needs. In the week's following treatment, the clinical team will remain in contact with the patient and assess how they're responding to the treatment. The patient will have their first follow-up appointment, approximately four weeks post-treatment. The patient will then undergo additional imaging three months later to assess progress after treatment. The time it takes for patients to observe initial results can vary depending on the diagnosis, ranging from a few weeks to up to a year. To learn more about ZAPEX and Synaptive MRI, scan the QR code or call<PHONE_NUMBER>.


Hello and welcome to the session. This is Professor Farhad and this session we would look at an introduction to PivotTable using Excel. This topic could be covered in the Data Analytics for Accounting or an Intro to Data Analytics course. Be in the future also tested on the CPA exam as the CPA exam will be integrating data analytics into the field. As always I would like to remind you to connect with me on LinkedIn if you haven't done so. YouTube is what you would need to subscribe. I have 1,700 plus accounting, auditing, finance and tax lectures. This is a list of all the courses that I cover. If you like my recording please like them, share them, put them in playlists, subscribe to the channel. If it helps you it means it might help other so share the wealth connect with me on Instagram. On my website farhadlectures.com you will find additional resources to supplement your accounting education or if you are studying for your CPA exam, enrolled agent exam or CMA exam. If you're looking for those extra points to pass your professional certification by all means check out my website. We're going to be using this data to illustrate how PivotTable works. Now the good thing about Excel it can contain literally millions if not billions of cells. That's the good news. The bad news is you have so much information that it's all information overload. So what do we need to do? We need the way to be able to summarize and manipulate the data and extract information from the data that's meaningful for business decision and this is basically what data analytics is. So what we're looking at here is rejected loans by a bank or a financial institution. So we have the rejected loans in one column and I'm going to highlight what we are giving is you need to understand the data before you start to work with the data. We have the rejected loans each one with A with an application number, the amount requested, how much did the individual request it as an amount, the dollar amount, application date, when did the application took place, loan title, basically loan title is basically the purpose of the loan. Is it for a car, for a vacation, home loan, so on and so forth. Risk score and this is important. This is basically your credit score and your credit score could be up to 850 the maximum and it could be low as 400, 300 who knows. Okay, so they have the risk score and that's important. I'm going to highlight the risk score because that's an important factor in giving out a loan and what they did for this data, they kind of broke the risk score into different categories. For example, between 850 and 750, it's an excellent below 750, down to 650 is very good, so on and so forth. So we also have what's called a risk score. Risk score, risk score bucket, risk score bucket and risk score, they're related, but you're going to see why did we do a risk score bucket shortly. Also another important consideration when you are giving out a loan, something called debt to income. How much debt do you have relative to your income and what they did for this example, they have three categories, either high, low or medium and how did we determine high, low or medium. So simply put, if your debt is $100 and you have income of $1,000, well let's assume that of $90, income of $1,000, your debt to income is 9%. Well, if it's below 10, you have a low debt to income ratio, below 10. So below 10, below 10%. Let's assume you have $150 in debt and you have an income of $1,000, so if we take 150, the debt relative to the income, that's 15%. Well, if you are between 10 and 20, you are considered to have a medium, so that's how they tag you, 15. And let's assume you have $320 in debt relative to $1,000 of relative to $1,000 of income, your debt to income ratio here is obviously 32%. Now you have a high, so it's above 20. So it's below 10, 10 to 20 and above 20 is high, above 20%. And this is what they did here. I'm going to need to delete this because you cannot have extra data when you're doing the pivot table. So we're done with this. So here they have the number for you and they have a bucket as either high, low or medium and you will see shortly why this is necessary. They have the zip code, your zip code, the state for the customer and the employment wealth. That's also extremely important when you're given out alone. First of all, the person has to be employed, too. It matters how long you've been employed. That's an important factor. I'm not sure if I mentioned at the beginning of this recording, I forgot that I was a loan officer myself in the beginning of my career and believe me, those are the three factors we used to take into account, mainly the credit score, your debt to income and the employment plan, how long you've been at that place. Now having this information, now we need to learn a little bit more. So we know, we already know this, all these applications and we have here around 625,000 application. I mean, I cannot keep scrolling down, but we have 625,000 application. Now as the manager, risk analysis, the CEO, the CFO, somebody who wants to buy this company, whatever the reason is, we want to learn a little bit more, a little bit more about this company, a little bit more about their applications. How do they process their application? How do they manage risk? Just learn a little bit more. So the first thing we're going to do, we want to know how much, how much of their debt to income buckets, debt to income buckets are high, low, medium that they were rejected. They were all rejected, but we want to know how much of them and we're interested in the low because if their debt to income low, why were they rejected and how many were they rejected. So we won't just kind of get an idea. Well, one way to do it is to sort this copy and paste and do all of this, or we could run the pivot table. So let's go ahead and show you how you would run the pivot table. You'll go to the insert button here, you would click on pivot table and what's going to happen, it's going to select a table range and just while I know this data is already cleaned and sorted. So the data is, you don't have to do anything with the data, maybe in another session would learn about how to clean, make sure your data is clean and sorted, but now it's good. So notice it's selecting the data that I want to analyze. Notice we're up to 645,000 cells completed, rows completed in this data. So it's a lot of data. It's already selected. What do you want your output? And I'm going to put a new worksheet. Usually you put it in a worksheet because you have more room to do. So you click okay. Now it's going to open up a new worksheet and on the right hand side you're going to have the pivot table field and notice here all the titles or the headings of the Excel sheet are listed here. So what are we looking for here? We want to know how many of our rejected applications have a high, low, or medium, medium debt to income bucket. So the first thing I'm going to select, notice here we have rows. So the first thing is I want to select my DTI bucket and it's going to go down to the row. Okay, that's what I'm looking for. So notice here the row label, high, low, and medium. And I want to compare this to the rejected loans. How many of the loans were basically to find out. So I can click on rejected loans and this is basically or it's already knows it has a value because it has numbers. Therefore, notice it has some of the rejected loans. I don't care about the sum. This is the sum of the application. This is useless for me. What I want to know is the count. So you would click here and change the field into the value of the field setting. You click on it and I want the count. In other words, how many number of applications are within each category, high, low, or medium, click on okay. Now I have the numbers. I mean, I can read them clearly. I'm going to use, I'm going to reformat it. No, that's the most necessary. And we see here that of the 645,000 application rejected 312,000 almost 313 where they have a high debt to income, which is that's understandable. But we notice 171,000 has a low debt to income ratio. Also, if you want to kind of get an idea, I like percentages.  So the majority, I mean, half of the loans, they have a high debt to income, which is if you have a high debt to income, you're going to be rejected. But we also have 26, 1 fourth of them, they have a low debt to income, they were rejected for some other reason, because that's not the only factor that they took into account. But that's one of the main factor. So let's hold on this factor. Let's go back to the data. What could be another important factor? Well, employment wealth. So basically we looked at this factor. Employment wealth could be an important factor too. How long you've been working is determined. So if you've been at your job, for example, less than a year, I remember if you just get a job, we just more likely would not get a loan, because especially if you are young or you change a lot of jobs before or you were unemployed for a period of time. So we want to know how does the unemployment affect the rejection of the loan? So we can do the same thing. We can look at the rejection loan versus the unemployment wealth. So I'm going to go to insert. Now it's selecting everything. Okay. Now I need the employment length, and that's going to be my row, less than a year, one year, 10 years plus two years, so on and so forth. And I'm going to look at the rejected loans. That's what I'm interested in. That's basically what I'm looking at. Again, I have to change the rejected loans into change the value into account. Now I have the account. Let me change the format of the numbers. Right click, or you could just have this one. Take out the decimal points. Okay. Notice again, once again, of the 645,000 application, almost half a million were less they had, they held employment less than one year. And the 34,000, they were rejected, although they had 10 plus year employment. Now there could be other reasons why they were rejected. That's fine. Also, I like to change this into a percentages. I just, that's what I like to do, percent of the total. So let me, I just, I like to see percentages. So 76%, the best majority were, they were there for one year or less. So that's why it did not work. That's why they were rejected. But I'm interested in those 5.36, the 0.979. Well, why weren't they, why weren't they, so the third important factor in determining whether you qualify for a loan or not is your credit score. And the highest credit score is 850. You have, you have excellent. And as your score goes down, you go from excellent to very good, good, very good, good, fair, poor and very bad because there's a risk score bucket. Again, let's see, based on the risk score bucket, how many application were rejected, based on that factor alone. Again, we're going to run a pivot table, insert pivot table. Again, the data is selected, click on new. Okay, I'm going to look at the risk score bucket, okay, which is going to be excellent, fair, good, poor, very bad, and very good. So this is like 850. This is like, good is 800, so on and so forth. Now I'm going to click on the rejected loans and again, change the value and to count. And as expected, the majority is fair or yeah, fair, fair is and poor, actually poor and fair. But let's look at percentages. Again, I like to look at percentages just to see what percentages were rejected. The majority should be fair and poor. Yeah, fair is a lot poor, very good, those were rejected. I'm sorry, very bad. But notice we have 0.39 of the applicant, they had an excellent credit but they were rejected. Well, it could be because they either did not have less than a year of unemployment or high debt to income ratio. But again, what you can do, you can click on this and it's going to take you to those 0.39. Notice they have excellent credit but notice here, for example, this individual here, they have a 66.87 debt to income ratio, this individual here, the first row. I would know it's this one has 0.45. This is a low, it's still a lot 0.2.  For example, this is 0.45. So this one has an excellent credit, low debt to income ratio, it must have been the unemployment, well, it's not. So here, notice the unemployment is five years, the unemployment length is five years. For example here, maybe the amount requested is a lot, maybe if we add this amount, the $5,000, maybe if we add it, maybe it will bring the debt to equity ratio to a higher number. That could be the case that if we added the amount that requested, that could be a reason too, because after we add the $5,000, maybe the debt to income will jump over 20. That could be a possibility. For example, this individual here, 0.0052, debt to income, which is low, excellent credit score, but maybe it's the $18,500 and they have a good employment, maybe it's they're requesting too much money. We don't know, but at least we're getting an idea of what's going on here. Now we can study these numbers further, if need be, if need be. So let's go back. Now we have all those three data analyzes. What we can do also, we can put them all in one analysis. So let's take a look at this analysis to get an idea about what we're looking at, what are the factors, the main factors that are rejecting someone from getting along with our company. So let's go back to the data and this is the beauty. You don't have to change the data. Let's do a pivot table again, run a pivot table, insert pivot table. The tables are selected. We're going to look at the rejected loans. We're going to look at risk score bucket, so rejected loan, risk score bucket. We're going to look at the DTI bucket. Now we're going to look at the employment length all together. Okay, let's change this to the count, value to count. Now it looks better. Now let's take a look only at the excellent score. This way we can filter down and focus only on one section. Notice here what you can do. You can click on filter, select the field and I'm going to only keep the excellent people with the excellent score because that's what I'm interested in. Why were they rejected? So there you go. We have 2,494 application with excellent score that they were rejected. Now some of them they had a high debt-to-income ratio, 7.62. That's understandable because they had a high debt-to-income ratio. Well, that's understandable. They were rejected. Then here within high debt-to-income ratio, they tell us the years of experience. Just high to that income ratio is good enough to reject them. Here they have low debt-to-income ratios. So they have an excellent credit. So of the 24, 94, 1,339, they had a low debt-to-income credit. Of this amount, 457 had less than one year. Okay, we rejected them one year. We rejected them. But how about the 10 year or the nine year? Since we have only 30 applicants in the nine year, let's take a look at them and see why. Let's examine this data further. Let's click on it. 30 applicants. And here are the 30 applicants. Notice here, they have an excellent score bucket. The credit score is above 800, which is excellent. That too, debt-to-income ratio also low. Notice it's low and it's low bucket. So everything is good and employment length is not. So those are, they're supposed to be, based on this information, they're supposed to be good. But why they could be rejected is because they are asking for a large amount relative to their income. So that's, that's why, maybe once we add this amount, once we add 35,000 to their current debt, maybe their debt-to-income goes above 20% because once they're above 20%, we definitely don't want those individuals. We don't want those loans. So that could be the reason. But the point is now we can drill down and see those 30 applicants and maybe, you know, look at maybe some common features, analyze it further, work with them, maybe down the road. I don't know, but now we have the data to work with. And this is the beauty of, the beauty of the pivot table. I was able to drill down into the data very quickly and analyze the applications very, very quickly. Again, here we have seven applications. The problem with those, they have excellent credit, high debt-to-income, but they have nine years. So notice their credit score is good. The problem is debt-to-income. It's already above 20%, above 20%. So that's why they were rejected. So I hope you find, I hope you found this tutorial pretty helpful. You could use this pivot table for any type of data as long as you understand the data, as long as you know what you are looking for. Now I can run so many different, so many different studies on this data. I just selected those three because those are the most important in determining a loan. As always, I would like to remind you if you are an accounting student, please check out my website, farhatlectures.com, subscribe, study hard, stay safe, especially during coronavirus days, and good luck. And please like this video.


I would argue that this current generation of beginning students of architecture have the capacity to reshape a world like we've never seen before and it and they need to have access to as much technology and as much discourse, meaningful discourse surrounding these techniques and these tools so that they're fully prepared to go out into the world in the future to do something positive and productive. Certainly first and foremost it would be a student who's open-minded. Two, that they would be willing to take that risk. Three, that they recognize that their voice does matter and the kind of journey that they're engaged in requires an enormous amount of effort and continuous reassessment and patience. Something I always it may be a strange thing to to say but I I tell my students that it's important to fail on a continuous basis and I'm not talking about the grade. I mean it's in the spirit of risk that you have to be willing to free yourself right from again a set of preconceptions in order to get to this new place and if failing constitutes making mistakes in order to learn from these mistakes then you have achieved an enormous amount of that. I mean in fact you're only able to move forward because of this newfound knowledge. Alright. The educational experience it may begin with the construction of a syllabus and and that syllabus is part of a larger matrix of exercises as I mentioned that that phase through the five years but the truth is alongside those exercises is a culture is a community of individuals that I've always remind my students and the students within the school that some of the most important educational experiences that they're going to receive during the time they're here are discussions that take place in the middle of the night with the classmates. I mean they have made an incredible sacrifice to move away from home in in many cases to find themselves moving beyond earlier friendships and relationships they had in their in their high school years precisely because they're they're now engaged and immersed within a kind of culture of discourse and creative production that is all-consuming. I think I think thesis is invaluable I mean they're you know unlike many other pedagogical templates which guarantee a kind of success again those that are that that are constructed around the single educator in this particular case it's not that I'm not interested in the product I certainly am I want them all to try their best to be able to produce a remarkable project that is that is well conceived and and thoughtfully represented but I actually think that the journey of a thesis is invaluable and it's it's it prepares them for the world at large because when they get out there they're going to be dealing with a whole series of forces that are going to resist their poetic imagination that are going to try to compromise their creative will that are they're going to try to kind of foreground economics as the kind of soul criteria to make architecture and that's unfortunate these students are gonna have to be tough they're gonna have to be relentless they're gonna have to be strong and curious and engage on a continuous basis and I think thesis is intended to prepare them for that moment in their life


Discipline, an academic discipline or academic field is a branch of knowledge. It incorporates expertise, people, projects, communities, challenges, studies, inquiry, and research areas that are strongly associated with a given scholastic subject area or college department. For example, the branches of science are commonly referred to as the scientific disciplines, e.g. physics, mathematics, and biology. Individuals associated with academic disciplines are commonly referred to as experts or specialists. Others who may have studied liberal arts or systems theory rather than concentrating in a specific academic discipline are classified as generalists. While academic disciplines in and of themselves are more or less focused practices, scholarly approaches such as multidisciplinarity, interdisciplinarity, transdisciplinarity, and cross-disciplinarity integrate aspects from multiple academic disciplines, therefore addressing any problems that may arise from narrow concentration within specialized fields of study. For example, professionals may encounter trouble communicating across academic disciplines because of differences in language or specified concepts. Some researchers believe that academic disciplines may be replaced by what is known as modu or post-academic science which involves the acquisition of cross-disciplinary knowledge through collaboration of specialists from various academic disciplines.


So I want to start with an was on a positive note Business as usual is dead And this has a lot of implications Business as usual means for example companies having control of their customers controlling distribution like record labels Controlling distribution like movie companies also banks having control of our money not much we could do with that Basically what's happening because of mobile internet broadband wireless cheap devices is that business as usual is over When you're at the airport checking in you can use a flight tracker app And you will know more about the flight that's departing than the woman at the gate We're talking about empowerment mind-boggling So for a lot of companies this is not a good thing because companies are thinking you know This is cool for us as a consumer, but as a company that's bad news and worst of all if you're in marketing People will completely ignore you unless they like you What kind of reality is that you know this has been our personal reality for a long time But now it's actually happening to advertisers in other words if people don't want to hear from you You'll you don't exist and this is so true on mobile. I'm mobile I mean we're seeing this whole trend, you know, this is the papal inauguration in 2005 of the upper image You know where people had a couple mobile devices, but here in 2013. Everybody has a mobile Think about this five years into the future, you know 50 popes later. Just kidding. He'll be around for longer than that in 2013 this in 2018 Nobody will have anything in their hands because guess what? It's just there Scary thought This device is a device called the nest a thermostat That connects your house Electricity and water use your appliances utilities to a mobile phone app and the internet and Facebook if you so wish To help you save energy This amazing device basically monitors everything that you do at home And then you can share with others and there's calculations showing that this device would help people to save 40% of energy in the houses if everybody had it Now there's discussions about mandating smart meters you can sit in your car on the way home and change the air condition to the iPhone app Now that is useful Not as useful as a twittering plant Or a horse that talks to you through Twitter, you know like other people have shown So think about this. I mean smart technology Could have the same effect on global warming than turning over to renewable energies the same effect So in other words if we turn to renewable energy and we use smart technology to reduce consumption make it more efficient We can solve this global warming problem


Okay so we've seen the question asked which athlete is this where there's a ton of hype but maybe not so much talent but what I want to know is in the context of NBA teams who does this graphic apply to? I'll start by saying the Memphis Grizzlies and this is largely a part of injuries but in my opinion this is the obvious choice for a team that had high expectations when the season started and just slowly lost their talent as the season progressed. What other NBA team do you think falls in this category?


I just got to work and you know I'm doing that You can reach Steven's voicemail, leave a message and you'll be blessed Now I had to do it on a Friday Open road, where to go That's our highway Free to flow This way! Too much on my mind Getting existential like I've been Y'all What's good? It's Friday Waking up Waking up everyone Y'all Good morning That's the little new bars I just made yesterday That's a new beat I found I want to do a rap to that one I don't even know if that's going to be the lines But I made it for today Kind of real quick I love making music I love making music for the intros If I had more time I would do it every single day If I could, if I could make my mind do that That's tough to do That's actually a funny beat It's called Eastern Road Flows Because I was in the mood for the Drake Rhymes And what's it called? It doesn't... It's like a remake So I don't get copyrighted I try to do beats that I like that get copyrighted So I'm trying to come up with beats that I don't get copyrighted Anyway, what's good? Welcome to friggin' Daily, baby I don't know if I'm going to keep the name I'm going to change the name That's how we do it We keep it moving I'm too ever changing That's kind of what those lines are Anyway, two songs in the works Life is so fragile in this one Will I finish either of them? I don't know It's really hard to stay on track But I love making music And I don't know why I'm going off on that right now But it's in my mind I get in these waves as you see Sometimes I'm in the mood to make videos Sometimes I'm in the mood to make music I have a lot of ideas and expression I want to do That's why this podcast is so great for me What's up? I have a great morning already It's Friday That's what I was talking about Nowhere to go You've got time I'm thinking existential What I said is I'm always thinking Like, oh, I can do anything Because you've got to believe in yourself But then I'm like I don't even believe myself when I say that So it's like That's kind of what I meant The bars always have way more meaning Than you think they do Well, maybe I don't know if people are listening Or even the words Am I talking fast? Is this in my coffee? Yes, it's Friday Let's go I have a big news for tomorrow I have an event A YouTube event Like my first YouTube event Where I'm going to meet other YouTubers It's not like a YouTube sponsored event But there's a bunch of YouTubers meeting up And it's like a speaking event I'm really excited I got invited to it So I'll keep you informed How that goes It's early tomorrow morning So I don't know about the podcast Most likely I'll get it done But it probably will be super quick So I just wanted to keep that up And yeah So I'm really pumped about that I'll let you know how that goes Open mic This is just like a recap of my life I got canceled Wednesday, as you know But I got messages for this upcoming Wednesday That it's on So it's like I finally got confirmed So Wednesday the latest But I might try to do one this weekend But I'm trying to get my first one Out of the way Let's go So it's definitely confirmed for Wednesday I'm really pumped about that I'm going to make it even better And better and better And just have fun with it I'm so excited And I hope you guys have fun with it too Speaking of music There's this Drake line Oh, real quick I'm going to make that part two video Of 40 to 42.5 So the first one, 30 to 40 Took me a couple years And then 40 to 42.5 More years And now I'm not saying additional years I'm saying more years than the first ten inches did Because you can max out your peak performance And then there was all this like mental blockages Of like I don't need strength training Because I want to prove these people wrong Yeah, I don't need strength training But I didn't know then that Like I'm just maxing out my muscles I thought if you just do something Over and over again you can get better at it Because I'm going to going hard Just like if you're like It's not like I wonder if it's like writing Like writing music is like The more you practice the better you get The more you get better at painting The better you get, you know But like with literal jumping Your muscles just can't produce enough force You need them to get stronger So I wanted to go against that So that was a dumb mistake I'm going to make that video as soon as possible So my point is Get ready for it And what you want to do Is you're going to want to hit that notification bell And today what's crazy Is YouTube gave this sick feature Only today If you hit that notification bell Oh my God I can't believe they gave me this When you press it You'll be like Damn I feel good today And you'll be like I hit that bell Oh you like Hear a ring in your head right Like You don't even know where it came from You're going to look around like And then you walk And you have like a limp You're going to walk with a limp But like a good limp You're going to be like I feel good today You know Like one of those good limbs So you're just like a swag limp You know So that's if you hit the bell I know It sounds nuts But try it And then send me videos Of you limping Because of the bell If someone tags me in their story On Instagram or something And they're like I press the notification Press the notification bell And now I'm limping everywhere I fucking suck That'd be hilarious Anyway I'm just kidding And if you're already subscribed I already love you And you're the best I was going to say music And then I'll talk about my shirt Real quick So Drake line There's this line in a song You know at the beginning of songs He raps And then sometimes at the end At the end of the song It kind of gets extra sentimental He like switches the beat He just goes into bars Like they don't even know me But they talk like they do I talk to them But they do what I do And now they want to be me When I used to be them But them never be me When I used to know them Stuff like that They say like yo Listen up I'm feeling down But that means I'm on my way up And you looking down But I'm looking down at you While your head is down To the ground Flat surface The earth is round Shit like that There's a line that I can't remember He said I'm pretty sure it's from Like around the time of What a time to be alive No, no, no If you're reading this it's too late And views And it's a line He says something like They can't I can't remember my own memories And they're pay I'm paying me for my something I can't remember it It's not penny for my thoughts Something like that And I can't find it for the life It means it's going to haunt me Forever from So I'm using the power of you guys To find it And I'm also building Another compound experience You guys know I love that If I find it It's going to be amazing Like if I find that line It cracks me up It's also like Because I remember snapping it When I was Like in college I would snap and be like Drake's spitting And then all of a sudden I'd be like What is he saying? Like as a joke Like I'd be snapping Like oh he's going off And then all of a sudden He'd say this line That's like so confusing It's like I used to remember What I forgot Until I remembered I didn't remember it Shit like Shit like that And I love it So I want to find that Anyway Other than that What else I got So Super pumped for the event Tomorrow This is enough energy For Sunday We got a rap today We got a new bars today A whole new thing man We're doing it And now I'm wearing my shirt Totus training dude My dude Igor He's right over there Actually sleeping You could yell something My man So yeah He has to deal with this This is how he wakes up He didn't want to wake up early But yo I got to do what I got to do But he's the man Anyway We had a great conversation Yesterday I wanted to bring up He's from Brazil For a while now And it's so awesome Because it was He came from Brazil To America By himself Didn't even speak the language And that's very eye-opening And you could tell When you meet somebody That they've had experiences Like that because Of how they treat other people And that's why I always say You got to go do things You got to experience life Because it makes you A much better person I'm not saying that It just makes you A better person When you do it But you have Such an appreciation For even just Talking to people A traveling man Okay, I'm a world-traveling man I go everywhere No But I've been places Where I don't speak the language And it's hard to speak the language So the fact that he speaks English very well Is incredible to me And the fact that he's Here alone again Just travel to explore More of America Is inspiring And so you guys Should try that Get out of your comfort zone And it shows you a lot And then also When you do that And you meet somebody And you go to a place Where you don't even speak The language I was talking about this When I was in Colombia Like you don't even speak Especially hard for me So when you go somewhere And you can't even express yourself When you come back And you meet somebody That doesn't speak your language Or they don't speak English Where you're from You know not to like Take what they say You try to help them And instead of like Saying like all this person Doesn't even speak English And you think they're like They don't know what they're doing You have a different appreciation For people And that's what this podcast is about Spreading the love And that's it That's it That's it for today And we're going to do On this day And that was a great little nugget Wow I don't always do nuggets But today We went a little deep Alright, what's today? Today is September 6 How did I sleep? Let's see Real quick How did my Fitbit say I slept? Pretty sure I slept well It's analyzing, okay And it's connected to the camera So it does not have any service Great Today, September 6 3,114 Wait 3,114 BC I think this might be The earliest we've ever had What is this going to be like Fucking bones in a dirt? Maya Mesoamerican long-court calendar Starts dating from As corresponds to the Julian calendar So the start of the Mayan calendar Huh? Oh here we go 1522 Ferdinand Magellan's Spanish expedition Aboard the Vittoria of Returns of Spain Without their captain First to circumnavigate the Earth Yo, a lot of happened today 1620 The Mayflower departs Plymouth, England What else? Damn, a lot of things happened World War I begins First battle of Marne 1916 First true supermarket The Piggly Wiggly is open In Clarence, Saunders, Memphis, Tennessee Thank God Piggly Wiggly, baby Today in film 1954 La Strada, directed by Federito Fellini Premieres at Venice Film Festival Dude, I'm going to go to a film festival One of these days I really want to go to the Sundance One in Utah I don't know when it is But another compound experience That when I go I get to Do my review on it And it'll be such a fun time Because you have all these things You want to do, right Oh, just from one podcast I have a million things I want to do And I got to do them all Because what are we doing here? Today in music, 1791 Mozart's opera La Clemenza de Tito Premieres in Prague 1880 Sport W.G. Gray scores 152 And debut test cricket innings I'm getting weird at these History things with the sports Because I saw 152 And I knew cricket How do I know that? I don't know When I see a weird number It makes cricket 152 When do you score that? Unless it's like a basketball game That one team's horribly bad I don't know what's going on Dunk life of the day, baby So stay tuned for that Part two of the, you know Whatever it's called The friggin journey of me Going 40 to 42.5 Dunk life of the day Yesterday I talked about the friggin Joker dude I can't wait to see that And I can't wait to see Once upon a time in Hollywood Julio Harder says Man, your tiktok stuff Is actually pretty darn funny I don't even like tiktok Bro, that's because I'm made for it It was made for me I mean, or I think I was made for it Wait, recent subscriber here Fla6TT Flax flat? Steven, recent subscriber here Nondunk related question Make a music video For your hectic intro rap song I want to, dude I talked about that yesterday I think, I don't even know That's the thing about this I don't remember what I said So when you leave comments And it makes me remember I crack up Because I say so much God damn anything So many things And this is the morning Imagine throughout the day How many thoughts I have Oh my God So by the end of the day There's a lot of things I say But I remember the big one So like a music video I know I talked about that If I have more time I want to make sick music videos One of these raps I'm getting better at them So I'm more confident in them And I really like them And they have a lot of meaning to them Like the life is so fragile It won't be a hilarious video Plus it's a dancer one So it makes you want to dance I'm so excited I'm going to try to get those done As soon as possible But I want to make them sound Good I love music man And I love dancing And I can't wait for the comedy night And I'm super excited Have a great effin day What the hell else is there to say Nothing Am I spitting spars on my way Maybe But that's what I'm about You got to stand stout With your chest out Damn Are we rolling out like this Yes Because I spit This is my podcast The name is going to change Not against even God damn Stay the same I can't Because my mind keeps going Where is it going It's like a river It's flowing But if you follow it Maybe there's fish At the end That you could eat For nutrition Man I stay looking At my future Wishing Lilo and stitching I'm foreign This podcast is never boring Damn bro And that's it To the loo


Welcome to Jalassette News, take a top stories and cryptocurrency Jalassettes and break them down to bite-sized pieces. Today we've got some bullish news but some sad news. First up, Fidelity CEO calls companies Bitcoin custody business incredibly successful and this is amazing because Fidelity was one of the first ones to really get into cryptocurrency and they are reaping the rewards also. Let's take a trip down memory lane real quick and take a look at the best asset class returns over the last 10 years. How did Gold do? How did commodities do? How did the stock market do? We'll take a look at that real quick. On top of Cordano initiating a hard fork to introduce token locking why this is a bigger deal than most people think. And finally Ledger Wall customers data leak loses life savings and this is just going to be a PSA of what not to do. So we'll go over all that but just remember today is the first day of the 12 days of Christmas. Congratulations we are here and it's time to give away some three swags and good stuff. So the day is the 14th December 14th looks like it is about 12 30 p.m. El Paso Texas time and we're giving away four stone books. Well we've already done one video for the shield folio stone book. If you don't know this is exactly what it is pretty awesome. You're able to put all your passwords and your seed phrase and everything else. It's water and tear resistance and it's pretty cool. I got a couple of them they're awesome and I love them. So I thought why don't I just reach out to a shield folio and see if they can give us some free stuff and they sure did. So we did a video today and it talked about it was all about band and band had joined up with an organization called the open API and what it does is it enables blockchains to leverage API and they've got a pretty good amount of heavy hitters on that team Microsoft IBM Google as well as eBay and band was the first cryptocurrency to actually join that which I thought was pretty amazing so we talked about it today. However there's a couple of things. First of all I made mention that band was it was listed on Coinbase Pro but it wasn't on Coinbase regular and that was incorrect. Apparently it is on Coinbase regular. I actually looked through Coinbase and since I don't use it like at all I just couldn't find it. So it is on Coinbase so that is one thing they actually sent me an email talking about come on over and you know earn some free band but watching these free videos I just didn't do it and I talked about you can get on Voyager. So now you know you can get on Coinbase or Voyager whichever if you want to pay a lot of fees or a little bit of fees it's up to you but in this video I talked about Shieldfolio and we're doing a giveaway so what we're going to do right now is just draw those names. So first one I see I think this is funny first I said only mention Shieldfolio and Patrick May says Cornholio which is pretty funny and then he says down here Shieldfolio so I'm going to give one to Patrick May it was pretty funny and then I'm just going to randomly swing down Stop and Marius C. Nitu. So for today's video if you're looking to grab one of these other two Shieldfolios that we'll be giving away just comment below and just say Shieldfolio don't say anything else just Shieldfolio S-H-I-E-L-D-F-O-L-I-O and we'll draw two more in the next video. All right let's jump into today's market. So it's the 14th of December and what do we got? Roughly the same thing we had yesterday nothing big Bitcoin's at 19.1 Ethereum is at 5.84 down a little bit XRP is down XRP is I thought this would actually fall a lot more after that snapshot of the for spark but hey only down four and a half percent watch out. Heather nobody cares Litecoin down a percent chain link everything's down let's just be honest what's that Binance coin good for them six percent from Monero hey good job Monero Tezos okay beans about it so that's not too bad now let's take a look at what it would be if you just would have invested into Bitcoin would you beat Bitcoin well not so much on Ethereum you'd be down a percentage XRP be down four chain link one you'd be up a half a percent for Cardano that's interesting you'd be up 2.6 for Binance six percent from Monero what else what else not really much so all synthetic seven percent congratulations so yeah it's just one of those things like a lot of times if you just put in a Bitcoin you do pretty well but again there are those other low cappers where you could you know put a little bit of money into it make a fantastic gains but that's just not my style it may that's you all right let's jump into today's top stories so this one was pretty cool when we look at Bitcoin in the beginning you have to understand that in 2010 1112 people thought you were an idiot for messing around with any kind of internet money it was just a fool's errand and now we've got some of the biggest institutions in the world going you know what it's pretty looks like it's pretty valuable so not to take anything away so let's just get into it so Fidelity CEO calls companies Bitcoin custody custody business incredibly successful and there's a little bit of a wrinkle here and I totally agree with what you're saying here so this is Abigail Johnson she's a CEO of 3.3 trillion mutual fund giant Fidelity she claimed that her company's custody business around Bitcoin has been huge actually so she states this right now our custody business around Bitcoin has been incredibly successful we've got a tremendous pipeline and it's been really exciting to watch and what she says here was interesting and she's right she goes I didn't expect us to actually do really well with Bitcoin especially for custody because the whole ethos behind it was be your own bank you know Bitcoin people in the very beginning it was all you know like I said like libertarians and anarchists and it was all about be your own bank and and institutions down institutions and blah blah so when she heard about this in the beginning she's like why would they have us cuss it makes no sense and here we are so that's a little bit of a food for thought anyhow this is why we need the institutions and it's just right here a lack of world-class third-party custodians has been a major pain point for Bitcoin since hedge funds and other institutional participants are in dire need of protecting their holdings you have to understand institutions aren't like us they can't just you know you know pick up the phone or go on the internet and just buy a couple billion dollars worth of Bitcoin and put it on their ledger it just doesn't work like that they've got their boss on top of their boss top of their boss and they've also got regulations and they can't hold these things so what do we do well we need a custodial service and that's where fidelity came in that's where a lot of these places go that's why grayscale is so huge because institutions like hey we need someone to cuss a bit they're like yeah we'll do that for you but it's gonna be like a 20 premium no problem here you go Pete and then off they go so it's just one of those things where it's like it has to be done like that right now anyhow fidelity fully rolled out its own solution in late 2019 and the in the October interview with the financial times she took a and this is why I like this lady's style shield so Johnson here took a not so veiled swipe at coinbase custody claiming that most people never heard of it now whether that's a swipe or just reality it is what it is people don't really know too much about coinbase custody service and that's why they go into you know a big huge place like Pidella with 3.3 trillion assets in their management I can totally see why institutions will trust them over the new startup and that only makes sense so again I think it's interesting that it took first of all it took this long to get where we are for institutions but I'm just glad we're here which leads me to my next point we take a look at the 10-year history this is a great tweet that was sent out by Charlie Blale I don't know who he is but did a lot of work so thanks Charlie and it just goes over the different asset classes over the last 10 years now we know Bitcoin has done tremendously well compared to everything else but I mean how well has done well if you take a look this is insane gains 2011 if you would have gotten in super early which I mean tip of the hat if you did you're up 1473 for that year 186 for that year 5507 but in 2014 you were down 58% and you know why you were down because it was right after the halving and the same thing happened in 2017 you were a massive but you took a huge hit myself included after that halving and now you're up two years so if you just follow the pattern you're going to be up in big time next year in the year after maybe or it's going to be quite a bit of a dump because look halving dump halving dump actually 2016 was the halving all-time high dump so halving all-time high dump so 20 halving 21 all-time high 2022 dump see where I'm going that's what you need to pay attention about but I just thought it was interesting just take a look about like how to actually get done actually NASDAQ did pretty darn good right the NASDAQ 100 you're 512% for for a decade hey not too bad I mean it's not you know these crazy gains that you give a big one but hey not too shabby really and then real estate investment trusts where they you know people just put money into different real estate projects and they kind of pull up their money they get it they're actually a pretty good 124% over over 10 years that's awesome treasuries too bad I don't think you're gonna do that again bonds I don't think that's gonna happen but here's a good one gold and there's a lot of gold bugs out there I own gold I think gold's a good hedge but gold's not here to make your money gold is I'm gonna say that again gold is not here to make your money gold is the thousand year old currency that is there to save you when there is a huge collapse and when it goes down to like a dystopian future after nuclear holocaust and mutants were in the world that's I think where gold saves you and it's a nice pretty shiny metal but uh you have to understand when when these gold bugs are just ramming on your throat you gotta have gold you gotta have gold you gotta have gold the reason why they're doing that it's because they got a lot of gold and that's really what it comes down to now I am no different I am biased as well I got a lot of bitcoin I mean I have a lot of bitcoin I have I have enough we'll just say I've been I've been accumulating since 2017 we'll just say that which I don't have hundreds okay but I am biased and I talk about bitcoin however I also have stocks I also have gold and I also have silver so I just don't have a lot of them but one thing that really ticks me off is these gold bugs who say you can only have gold and you really shouldn't get anything else and and bitcoin is just ridiculous I'm like how you're not dumb you're not dumb you aren't dumb and they aren't dumb what they're trying to do is manipulate you to get into into what they want you to do so you can just roll up there you know their payrolls don't fall for that you need to take a look right here gold is down one two three four forty percent of time four out of ten times they're down so that's a bummer but if you had a hold over ten years we have 20 percent ooh 20 percent I call that a Thursday who cares and that's really it I mean I just thought it was a very interesting I'm gonna save this on my Twitter account and I'll pin it up there you can have it for a long time and I'll actually link this in the description so you can sell your family on a Christmas Christmas day Christmas holiday and that's it for that let's move on next up Cordano initiates hard forked introduced token locking and I gotta tell you I almost fell asleep when I read this article it's so boring but it's it's it'll get interesting and I'll break it down so for the Cordano token locking this actually will now take place on the 16th of December and I'm like great who cares but I'm forcing myself to get into Cardano I'm actually need to know more about it I mean I know it's going to be a great project I think Charles Hoskins a very smart guy he's got a lot of people around there are very smart it's looking to do great things but the problem with Cardano for me I think for a lot of people is that they're so meticulous and actually that's a good thing you want that to happen you don't want to be it like some crazy d5 project we're like invest in a sushi and it all just goes away you're like damn it I just lost everything so with Cardano they are doing the right thing and doing it proper that's why we actually started our own Cardano staking pool and I I don't have the technique the technicalities but I have a a lot of people around me that do and thank thankful we're all pooling our resources and doing this and right now we're at looking at 7.5 million for delegation so thanks everybody really appreciate it if you don't know which hit 63 million it's saturated and your rewards actually go down which is something that will look something like this when you have like a pool as like 164 I mean the max is 63 million so they're just losing rewards left and right if you want to join the pool it's very easy instructions there's a link in the description looks just like this when you click on that it'll take you to our official page just click on wallets it'll scroll you down and then just a little bit down farther there's a 13 minute video which talks about you know what we do and everything else so go and check take a look at that this is why it's important to really do your research so take a look at this so this update is significant as it will prepare the platform for smart contracts and the creation of assets besides Adam that can be run on Cardano it will also provide an important piece of Voltaire governance functionality supporting a voting mechanism so right there this hard fork which I was falling asleep in this article I get down to the Juicy beats I'm like that's important that's huge that's amazing that they can actually pull this off you know in tandem it's like they've been they've been running so fast I mean they had the main net launch now they're getting into Gogan now they got everything with their their launch this hard fork there's going to be multi assets I mean these guys are doing it all and they're doing it under the radar I mean how many people have you heard talk about this I don't hear anything about this I have to actually dig and dig and dig so maybe Cardano is really that sleeping giant but only time will tell anyhow to finish up once token locking is running on the main net Cardano ledger subsequent hard forks will introduce multi asset and other smart contract capabilities on top of what Charles has talked about which is he is dead set on getting into DeFi he thinks DeFi is the future of Cardano and I for one am excited so let me understand the comment section let's move on to our last piece and last up this is a PSA because nothing ticks me off more than scammers so ledger wallet customer data leak leads to a loss of life savings and I have to tell you I'm pretty disappointed in ledger what they're doing what they're not doing and I'll get that in a second so if let's just do a little history okay on July 29th hackers compromised about 1 million email addresses so that's why you're going to get a bunch of emails saying hey you need to update your ledger and blah blah and follow this link and give us your passphrases it's all a scam it's always a scam just treat everything that you ever see in here as a scam you'll be a much happier person so if you get a text message or an email or you see something on Twitter or the internet the first thing you're gonna do is you're gonna go to ledger dot com this is the official website and you're gonna go there and you're gonna click on support and you need to click on contact us and you're gonna send them an email just by clicking on these drop-down boxes you're gonna say hey I got this is this legit and they're gonna tell you no if you don't waste your time just don't ever do anything that any kind of emails unless you contact ledger directly the same thing goes with Coinbase the same thing goes with Gemini the same thing goes with any other business that you can possibly think of if you do that and go to the direct source you'll be a much happier person if you can't verify it you don't do it period and that's it that's really all that really comes down to but I can't blame you if you've fallen victim to a scam everybody's been there it just happens we always think they were too smart I'm too smart for them too smart for that do you have any emails I get on a weekly basis that says I thought I was too smart for that it happens a lot and it sucks I hate getting them so I'm just trying to make sure that you don't fall victim to that so on top of the million people with the email address the hack around almost 10 000 customers had other information exposed including names shipping addresses and phone numbers that's why people will get text messages from ledger supposedly ledger and say hey we need to update your information just click right here and we'll do blah blah and it's a scam so this was somebody by the name of mills brad mills gets a lot of twitter followers and he says exactly what I think he says hey ledger you need to keep sending phishing warnings to all of your customers you need to keep sending warnings to all your customers like I had to say it twice because it makes a lot of sense people losing their savings because the hack get in front of it continuing to send out purposeful emails to your customers just about the hack be a good do better and when he talks about just about the hack what he's saying is you'll get emails and they'll be like 304 subjects right like hey we got this new promotion hey buy this X and hey watch out for this phishing attack and hey here's a cute picture of my dog or whatever it is it doesn't matter though the whole thing is like this if you if you can just be the company that says hey we're gonna send out an email every day every two days every three days to remind people continuously that they do not or should not fall victim these phishing attacks here's the watch out for you will greatly reduce the amount of people that get screwed out of their money because of your arrogance and your inability to keep the data safe now I like ledger I have promoted their products I still believe in their products but I do not believe in what they're doing right here they need to be better and do better things and I'll say it that's I'll call us pay to pay this what it is so in sales you have to see something seven to ten times before you buy it you have to be aware of what's going on around you so you have to tell people 10 20 30 times I don't care if you have to send out an email every day and people like forget it unsubscribe I got it doesn't matter at least you saved everybody losing all their money and here's a prime example so this is from a user my ledger wall got emptied after I followed the instructions the phishing email thinking it was a real ledger I can't believe I fell for it I'm done with crypto and that's the kind of thing that I'm worried about 2021 is going to be huge and all these scams are going to come in they're going to screw people out of their money and one person tells 10 10 thousand 100 100 tells 10,000 see where I'm going we can't have that that's why we got to make sure that we that we get people to know what's going on so some people tell me as I I'm going to go off on a ramp sorry some people tell me other youtubers they they shut their ads off because they don't want to expose people to scams well guess what every other youtuber leaves their their ads on so what am I going to coddle you and treat you like a child because you know like all these scams that are coming about no I need to have you come to this channel I need you to have to be exposed to these scams and then actually tell you what's going on because if I don't do it guess what no one else is going to do it how many people talk about scams out there nobody very very very few so if you come onto this one and to my channel and in every single video in the very top I say hey watch out for these scams they're going to be fishing they're going to have these numbers it's going to be on top of you so make sure that you don't fall victim to it at least I'm educating you as opposed to somebody who's like yep I'm not going to do it I'm not going to put it out there and then you then you go to some other youtuber and you're like well I didn't know about it because no one talks about it that's what I'm saying all right get off my soap box so the last piece here a good chunk of my bitcoin has gone through the ledger fishing scam seriously someone I love had access to the seed phrase got the text warning that our wall was hacked and to enter seed to recover and they entered the seed and past phrase in our rip so somebody probably the wife sniffing out there it's like oh no I got this email don't worry I'll help you Roger and then here we go and then this was the quarter of the day man I used to love ledger but after all my info leaked I received text edit messages to my phone saying my bitcoin is being transferred and email saying reset your password prove your identity it was very convincing and I feel if it were not for the negligence of ledger leaking all the info I would have never been put in the situation to be fished for 5k on one of my devices and that's a problem so just so you know something comes up everything's a scam go to the official site could be much happier all right let me check my blood pressure I think I'll be okay well thanks for sticking with me to the end I really appreciate it if you like those types of videos gonna be too much gonna pop up on your left and right not sure let YouTube do its magic and that's it for today I know it's a long long one I apologize but some of these things have to be said and that's just how it is so thanks again really appreciate it see you on the next one bye


Hi, good morning and welcome to today's products and focus as we'll see there the US there it has failed to break through potential resistance at 16600 as pause for breath just as non-farm payrolls is incoming later on this afternoon So this will be the strategic level that many traders will be looking at I'm bearing in mind that for many regions across the world is holidays today And you might also have Monday off and obviously the Ukraine crisis continues to escalate We interesting to see how the global markets finish the day today looking at the UK 100 We've actually had an incredible three four sessions right there advancing smashing through potential resistance at six seven seven four Next potential resistance at 68 74. We're slap-ban on the middle of the range But we've had some good results from RBS. They're up 11% this morning. They smashed their expectations right there So there is a little bit of a buoyant earnings mood But I think the the miners have failed to break up higher as some commodity prices have come down And that's adding pressure to the UK 100 which is very minor centric looking at Japan 2 to 5 It's not really doing too much today as ever that level of 14 2 1 9 a remain strategic We are bouncing in the middle of two moving averages 21 period and 55 period SMA and dollar yen is advancing nicely This morning and we'll come to that right now as you'll be able to see there It doesn't look so great on the candlestick on the intraday charts It's certainly a bit more bullish. This is a decent candle breaking above the moving averages next potential resistance as a one or two spot 87 so that's looking a little bit more signs of life right there So Crude oil West Texas bounced back this morning after hitting a low yesterday below $99 But we're coming up close to potential resistance at 100 spot 61 Supply glots is adding a lot of pressure on there. You're creating not really giving that much support Which is kind of interesting. I thought they would have a little more of an impact But certainly cruel inventories reached a record level on Wednesday Over in the US and there has been some interesting moves in dollar as well But nevertheless 100 spots 61 is the potential resistance on West Texas Crude Looking at gold which you can seem to catch a lucky break. We've had the sell-off upswing sell-off upswing sell-off slap bang in a little two ranges as ever 1267 remain to be the potential support This is the level that I think many traders will be talking about the next couple of next couple of sessions We're not only for a new that today, but with non-pompirals due out Anything's possible and I've ever look at your dollar now your dollar has slumped slightly in the last couple of sessions I feel looking so strong as ever that one spot 3863 level still remains the major obstacle. We've not had a a Comfort close above there. We keep bouncing around this level We've been doing it for about two months now and we're actually slightly on the downside this morning on the back But so the private payrolls came in better than expected on Wednesday never usually could indicator of what comes out for non-pompirals today mind you But your dollar could be interesting because we are on the cusp of that potential resistance right there If you have a look at GBP USD, it's been going great guns last couple of sessions The long legs of these candles are indicative of selling pressure as it's moving higher I say it's grinding higher, but we've paused for breath there again You know the markets I can imagine that are going to continue to float around these levels Until we get non-pompirals at 130 UK time Now the estimate by Dow Jones is coming in at 215,000 jobs and that's due at 130 UK time and Obviously you got average earnings unemployment data as well And that's pretty much it for today But that's a big one seems you Marcus does offer a live webinar today Go to support live trader events and sign up from there And join our market analyst our chief market analyst Michael Houston alive as he discusses the result as it comes out And that's impact on the markets So make sure you don't miss out on that Keep your eye on the chart form for more updates from our global analyst team And make sure you make insights part of your let going forward This is their inside track as to what's moving in the markets today And join me again on Tuesday after long weekend to find out what happened next


It seems like, as of late, the state of Florida is going out of their way to cook up the most unconstitutional draconian types of legislation just to see what they can and can't get away with. And it's genuinely disturbing.  So the bill is HB991, titled the Defamation False Light and Unauthorized Publication of Name or Likeness Act, which was just introduced yesterday in Florida, focuses on suppressing journalism by lowering the threshold for legal defamation. Now defamation, specifically with regard to journalism, seems to be the core goal of this bill, just make it easier for journalists to get sued so that way they'll be disinclined from covering governments and using anonymous sources. But there's also another consequence of this legislation if it were to pass. And that is it would empower bigots to also sue anyone who accuses them of bigotry. So Alejandra Corbeio explains, Florida has introduced the Empower Bigots Act, which I think is a more appropriate name, HB991, it would classify accusations that someone engaged in discrimination as defamation per se with $35,000 minimum in damages. If it involves LGBTQ people and someone's beliefs, truth is no defense. This is absolutely chilling. If someone calls you the F slur or T slur and you say they discriminated against you, they can now sue you for at least $35,000 and cite their religious beliefs. This would apply to the internet as well. This would empower bigots to target the LGBTQ community with impunity. This applies to the internet as well, so if the person is in Florida, you could be liable even if you have never stepped foot in Florida. For instance, calling Seth Dillon of the Babylon Bee Transphobic on Twitter could make you liable under this bill since he lives in Florida. It gets even worse. It would presume anonymous sources are preemptively false. This would limit the ability of journalists to cover issues without fear of liability for using anonymous sources. This would silence journalists and those targeted by those in power. This bill also reworks the actual malice standard for public figures and tries to redefine public figures. It's a full-on attack against New York Times, the Sullivan and the First Amendment. This isn't the first time liable laws have been used to silence minority groups. Alabama tried to use liable to silence civil rights leaders and journalists. The case resulted in New York Times v. Sullivan. Florida wants to try again to silence minority groups. Yeah, so I feel like I don't need to provide you with my commentary. On its face, you can see how utterly absurd this is. This would literally empower bigots to harass LGBTQ people. And it would stifle free speech, stifle journalism. But that's the goal. So do you want to know how we were all terrified when Trump said we should open up the liable laws? This is DeSantis' state doing that, putting that into action. Now, as I stated, the bill was just filed yesterday. And at the time that I record this, there isn't legislative support for it. But the fact that the bills that they keep filing get progressively more insane kind of goes to show you how undemocratic the Republican Party is. It's not just Florida. People across the country, but it's like they're trying to compete with each other to see who can produce the most insane or welly and type of legislation possible. And these folks are enemies of democracy. They are authoritarian. And that's what they want to do. Need I remind you that this bill was filed in the same week where Marjorie Taylor Green talked about a national divorce where she basically spoke about her ideals for society where gay teachers could be fired and you can ban people from voting if they move from a blue state to a red state. Now Florida continues to fix it on things like this and lead the culture warm while their state and people in it continue to suffer. For example, former Florida lawmaker, Carlos Guillermo-Smith says, Florida is now one of the least affordable states to live. Property insurance is soaring, millions without healthcare. Instead of tackling these crises, Ron DeSantis Republicans are pushing new laws to ban pride flags and government buildings. So he fixates on non-issues, right? Create solutions to problems that don't exist. And then he gets praised for it. His status has been elevated to national status and there's speculation about him running for president now. Now to be clear, Ron DeSantis didn't pen this legislation, but certainly Republicans in the state are following his lead. But all the people who are propping up DeSantis aren't focusing on his ability to govern or the Republican party in Florida's ability to govern. It's just, well, they virtue signal to us and pander to us with regard to the culture war so they're great. It's just insane to me. Now of all people, billionaire J.B. Pritzker who is the Democratic governor of Illinois I think put it best about DeSantis and I don't like to give credit to billionaires who buy power, but what he says here is absolutely correct. The truth is that we actually have a much better education system in Illinois than they have in Florida. We're ranked higher than they are. US News and World Report ranks K-12 education in Illinois sixth in the country and number one among the largest states in the country. So he's got nothing to brag about when it comes to education. So he moves on and tries to use this word woke to describe everything. He doesn't even know what the word means and he has no definition of it. It's just anything he doesn't like is wokeism and all I can tell you is that I don't know what that means and frankly what I can say about Illinois is that we're a state that cares about equity. We're a state that cares about our families. We're making the investments that are required so that our youngest children will do better and better and I'm really excited about the direction of our state as opposed to a state where they don't make the investments that are necessary to lift up their education system or their health care system. Yeah. So Florida may be at the forefront of the culture worm but their people are suffering as a result of that because Republicans in Florida refuse to focus on real issues, health care, education and to the extent that they focus on education. It's not improving the quality of education. It's censoring what they deem offensive in education. It's just a joke. But this is exactly what we should expect from Christian nationalists and fascists and it's horrifying but we've all kind of grown accustomed to it and this is kind of just the new normal in red states but we shouldn't be comfortable with this. It should make us feel uneasy because it is brazenly unconstitutional and in the event this law were to pass I think that a court would block it easily. Even a right wing court because it's that brazen in violation of the Constitution. But regardless this isn't necessarily about what they can and can pass with regard to legislation. It's signaling to their base that they will go as extreme as they need to be for their support and it's just it's chilling.