Hello logicians. Now we are on the back side of the note sheet, maybe you're already on the back side of the note sheet, and we are going to write some compound statements, the instructions on the state that you are to write a compound statement for each conjunction or disjunction and to find the truth value. So for the first statement P, 10 plus 8 equals 80, that is a false statement. The statement Q, December has 31 days, that is a true statement. A rectangle has four sides, that is a true statement. Now we will write the compound statements. The first one is P with that symbol and Q, that symbol is AND, if you remember from your truth tables, the inverted V is the AND symbol. So the compound statement is 10 plus 8 equals 80 and December has 31 days. Next I need to determine the truth value. The statement P is false and the statement Q is true. When I have a false statement and a true statement, the final conclusion, the final statement is false. In order for that to be true with AND, they have to both be true. That is not the case. So this statement is a false statement. The next statement is Q and R. Pause the video as you did before and write the compound statement for Q and R. The compound statement written out is part Q, December has 31 days, the symbol was the word AND, a rectangle has four sides. Now we need to determine the truth value of this compound statement. Statement Q is true, statement R is true, so combined that statement, the compound statement is true because if you have true AND true, your combined statement is true. Next we will write the compound statement for P or R. Remember the inverted, I'm sorry, the V-shaped symbol is OR. So P or R. Pause the video and write the compound statement on your sheet. So the compound statement P or R is 10 plus 8 equals 80 or a rectangle has four sides. Now the truth value. 10 plus 80 is false and the symbol OR and a rectangle has four sides, that's true. With OR, only one of them has to be true, so the compound statement will be true. Pause the video and write the last compound statement. Remember the little squiggle in front of R is NOT, so this is going to be Q OR NOT R. So the compound statement for that would be December has 31 days, that statement Q OR a rectangle does NOT have four sides. And now the truth value. December has 31 days is true, a rectangle does NOT have four sides is false. So I have one statement true and one statement false. But with OR, I only need one of them true. So the final compound statement truth value is true.


Hi it's Linda from the Linda Living in China blog. I finished Unit 2 of the 120-hour TEFL certification from ITTT and I really liked it. It was the first grammar-based unit all about parts of speech explaining each different part of speech in English grammar and it was very useful. A little bit longer than Unit 1 but still it was not too much. I didn't need a lot of time working on it and yeah the test was pretty good. I had only one question wrong but yeah so far so good. Looking forward to Unit 3.


Yeah, welcome everybody to the independent investor channel live. My name is Ryan. It's Friday evening nine o'clock on the freaking dot looking to deliver consistent message here every week try to Infuse a little bit of motivation on a topic that in fact I do insist must be a lifelong commitment. I think we go through ebbs and flows in our investing evolution The investor that you were last year is certainly not going to be the investor that you are next year The investor that you were five years ago or ten years ago if some of you have been investing for that long Is is not going to be the same investor that you can expect as we evolve with this game and I I think for the most part the psychology behind fighting the the the human The the human insistence or the lack of acknowledgement or The I think human beings they fear change. That's what I think Which makes investing such an inhuman activity That I think a lot of people don't get involved for all the wrong reasons Perhaps maybe I'm wired wrong. Maybe I'm wired differently I I can tell you that the Shear pedigree that it takes to make it in investing is going to be a typical It is not going to be something that is commonplace. It is going to be something that You you follow the six Most popular ideas out there and it's going to lead you to the promised land. Okay I'm one of those guys on YouTube that will challenge the status quo I will challenge what people think they know I will even put my own knowledge and my own Understanding about financial markets on the chopping block more often than not to prove to you If you don't already understand that nobody has all the answers Okay So when you do embark on this journey and we find that the investing is now different than it was 20 years ago How is it that we can expect to be in it for the long haul? How is it Ryan that we can be expected to win out over the long run? What is the difference between looking at investing and choosing not to invest and Looking to enjoy your money over the course of your life and not happen to worry about this whole debacle My my friends, I don't know anything other than investing. So if you've found a way to seek out and render a Significant amount of success. I have all ears. I Would like to understand that there are other Wealth building opportunities out there certainly starting a business, which is you know, one of those things that I Don't consider My project a business. I'll be it. It does fine. It's a very low expense low overhead Profitable business in so far as I don't do it full-time But I do make a little bit of scratch to keep me interested and It was a significant amount of time ago that I did prove to myself that you could actually make a little dab Here on YouTube. I'll be it. I will be the first to admit that my hard work and dedication to my career has Everything to do with my success and a whole hell of a lot to do with me coming on and bantering to a YouTube vacuum every week For the loyal subscribers to the independent investor channel You you are the sheer reason why I do the project. There's no doubt if you Are conveying your trust in the channel And you truly understand where my loyalty lies with regard to where each and every one of my dollars are devoted I Think sometimes people get a little misguided on What message I'm looking to convey to The audience is out there that maybe potentially want to hear something over here But should really be listening to the stuff over here The stuff over here is the stuff that is applicable to the masses out there investing in the S&P 500 for example I'm not one of those guys to come on and patronize a YouTube audience and suggest that that's difficult. I Think in 2024 we need to get over this idea that people cannot invest on their own a lot of people get it A lot of people are clueless to that end I Really think that we could probably do ourselves a huge favor by empowering ourselves as individuals and Therefore make ourselves that much more powerful together.  I you look if you can invest in a stock and make 50 million bucks or whatever it is Those those stories are quite it quite quite interesting. They're fascinating. I think they're probably statistically more commonplace than winning the lottery, right? but Series worthy. Yes entertainment worthy. Yes Is there an easier way is it possible to To invest in a stock in that particular capacity that has the fundamentals that could actually back up The the the stock price and have those longer term Greater than average gains into the future. I think I'm on the investment of a lifetime Albeit the start of 2024 has been the fairly rocky for a duro clean technologies. It's also been very very silent on the line Instead of instead of the CEO actually exercising his right to buy more stock I don't think he's quite happy with the 20 million shares that he's already got. He owns close to half the flow Half of the 40% that the upper management do own. Let me clarify, but Certainly a bullish sign to see the CEO Out there buying stock in a company that I have conviction on and it is a high conviction play for me But it's not the S&P 500 it is Almost half of my largest account between me and my spouse in the S&P We own the S&P 503 different capacities Which is worth reporting out on because again if you're focused on this stuff over here the a duro clean technologies or the highly unholdings and We go through a prolonged downturn. I'm all of a sudden the bad guy when in fact you shouldn't be Focusing all of your efforts over here You should probably be looking at establishing that good baseline in the portfolio, right? I'm gonna go with a dividend ETF like SCHD. You want to go with the S&P 500? Great The problem with retail investors is this and and a lot of you know 18 19 20 21 year olds will come to be and they'll be like Ryan you sock. I want more I want to outpace the S&P 500 right on I wish you all the best in that Okay The sheer misery in this is and I wish I could just chop chop it up to people who think they know more than Really anybody else out there who's been doing this a long long time is that By nature of trying to outpace the market most new investors will end up drastically underperforming the market all the while missing that key ingredient to investing that I insist all Prudent investors need to understand and that is the power year over year Decade over decade in matching the market performance. I don't care if it's negative Negative markets you can end up infusing more capital and buying in at a lower price But the power of matching the markets and matching the S&P 500 every single year is Very very powerful. Okay? Things that you can actually put the odds on your side of the house the S&P is a very very powerful asset I invest in the ETF. It's very low cost It's one of those ways that I can guarantee the best low-cost exposure to the S&P and also guarantee that that Exposure is going to give me the best access To what makes up the S&P 500 year over year? And I've stated this many many times on the channel for those that are new to the channel or new to investing This might just be going right over your head and and I I understand if some of the Topics that I talk about are somewhat complex. I don't spend a lot of my time Explaining what the S&P 500 I expect that you do your own due diligence and look at Why the fundamentals and why the the psychology of why this makes sense For for for me But to suggest that people need to look at it as a viable asset Is super important and and stop wasting your time Looking on the at those assets out there that are really just going to mislead you because my friends The most common question the most common question that's answered on YouTube is you know, what are the three stocks to buy for the month? What it what is my hot stock pick for 2024? I have chalked most of that up and I'm glad that I have come to this revelation that Most of those efforts are feudal in nature They just don't have any place at all, especially for the masses to understand what they need to do With their time and where they need to put their efforts and why it makes sense to set that baseline in the portfolio in the S&P 500 and Then and then do some things that put the control on your side I think a lot of people when they embark on the journey of investing They don't understand what is in their control and what is out of their control, okay? Let me start with the things that are in your control because I think a lot of people do in fact Believe that it's dropping a ball on a roulette wheel and that somehow wherever the ball lands either black or white Or the new I don't know I don't play roulette, but if I'm explaining it correctly, right? Investing is one of the same. Okay I take a strategic shot. Maybe there's a catastrophic 100% loss. Maybe there's a catastrophic 100% gain and that's what what my Perception of investing would call for That's what my friends and my family have explained to me that investing is and that just couldn't be further from the truth okay There are a number of different things by nature of and we're going to talk about S&P 500 500 investing for just a moment for example sake I know there's a lot of people out there or there was one patron to the channel who shared with the group last week that you know He was outpaced on the market by a few bips and I think that's lovely. I think that's great me personally I have always known this to be a fact but have at times Thought it convenient to deviate from or to add specific layers in the portfolio doesn't mean I'm wrong and You know at times it outperforms at times it underperforms, but but overall I really think the best thing that people can do is just to invest it and forget it just invest in the S&P so back to those things that a new investor can be like, okay, right you got my my attention I've bought one share of the S&P 500 or 10 shares put she ended about you know, 40 4500 dollars and And for you guys that listen to me talk about money Money is not one of those things that I put a lot a whole lot of value in as opposed to Looking at 10 shares of the S&P 500 brand you 4500 bucks. My focus is on the 10 shares Okay, I just bought a ton of dividend stocks today. I bought I Bought some more next Tara. I bought some more I bought some more coke a few more shares. I brought some more Bristol Myers I bought some more Exxon mobile I bought a ton of stock and and if I can impart to you this very very Few times. Do I look at the three or four or five hundred dollar buy orders multiple times over? I probably spent 3000 bucks 2500 bucks and I Look at the share accumulation as being where the focus needs to be So when I'm talking to new investors, they really need to understand that if they do get involved with this gig It's very very important to understand that you will have a lot of different Cards on your side of the table to play. Okay, in other words, you will have more control than you think you will, okay? What you can control is the nature of the investment that you have Opted to buy and in this particular case, I'm just assuming that you're buying the S&P 500 whether it be IVV SPY BOO, whatever it is, you've got a nice position in the S&P VTI, no problem. Stay with me. Okay, that's the first thing The empowering thing that people miss is the very account that those assets are housed in That also is within your control. Okay, I Own VTI in my SEPI array. I own VTI in my joint brokerage account. I own VOO in the Roth I own a different S&P index one within the TSP Roth So when we do the portfolio review tonight, which it's at its highest level ever to start 2024 I actually think it's been a little bit rocky Things are going quite well and usually in investing when things are going well It sometimes sneaks up on you as a matter of fact Again, I am part to you some of these intangibles about the stock market and the more we talk about these things The more common place that it will be, okay? So the second piece to this puzzle is to understand that the very account That you choose to open whether it be with fidelity or Roth I array with Charles Schwab, okay Whoever you decide to go with you really need to give yourself credit in understanding Why you opt for that specific account not overplay the importance of an account What I mean by that is an account just like a discount broker Just like a major broker is going to give you Access to the stock market to buy and sell stock ETFs index funds mutual funds, etc It's going to give you access to the stock market in the capacity that you choose. So don't overblow it I'll I often teach upon this and understanding that The broker is not going to make you rich, okay?  Okay, we don't need to be playing whack-a-mole with the portfolio All right, just let it go. It's not hurting anything, but Ryan, what if I lose all my money? Okay, listen go back to square one Justify to do or not to do okay when you answer that question come back and we'll reengage I've been been investing my whole life since I was 15 years old. I'm 46 years old. Okay $545,000 of total portfolio value as we speak, okay That's hard assets cash and equity Invested in a portfolio the value of the portfolio is 545,000. How did I get there? Well, I was given that money wrong Okay, I work a Wonderful white-collar salary wrong, I Make over a hundred thousand dollars a year wrong and never I've never done that. Okay, I Always figured by the math of it I would need about $50,000 a year now these figures are a little bit conservative because when I was growing up I thought $50,000 was rich I was studying to be a physical therapist physical therapist at the time pulled in 57,000 now It's probably 5x that amount. I would presume okay But it allowed me some numbers to crunch and some extrapolation of what I could potentially earn in my life Compounded out 20 30 maybe even 40 years if I stretched it on an investing time horizon And I could end up with a seven-figure Retirement or financial security now as I've evolved with my age to be quite honest with you guys The money has become less important to me And the financial security has certainly taken its dominant place in my overall goal to as to why I build wealth, okay? Can it be done? Am I looking to prove something to myself? I'm a very motivated person Okay, so I work at this thing. I Pay attention to some of the other intangibles we'll get to those okay But the very account that you choose is is one of those things that you absolutely have control over so the product that you purchase S&P 500 and the very account that you choose I've conveyed to the group that I have just Recently within the last three months switched to fidelity. I'm very very happy with their product I bid you all the best luck in choosing your brokerage our swab TD Ameritrade Fidelity whoever you choose It is is is one of those things that I would hope that you're happy with and you're satisfied with the aesthetics of the platform to be able to engage in the business that allows you the maximum Customer service on your end. All right, so very very key the product and the account very very simple simple philosophy And you're like, okay. This is awesome. I have more control now the way that you explain it Hold on a second. I'm not done yet I've explained this many many times Over the course of the channel and now it has become so commonplace. I feel like it's that's actually a success within the financial landscape to understand that fees have really kind of come out of the stratosphere and Where major brokerage houses were getting away with absolute fee murder prior to Really the emergence of Robin Hood and I don't like to give Robin Hood any credit whatsoever because I think it's a criminal empire For anything, but if they there was anything that came out of that it was a pretty large press on the major brokers to To to to graduate from a place of understanding for people that Understood that they didn't need to pay Upwards of $50 for a trade $25 for a trade is $7.95. You guys remember that and so the pressure that was put on the major brokers to to come into This world and actually accommodate because there were products out there that were actually accommodating that that request was a big big win for people so where I would teach upon that and Really emphasize that people really needed to understand the fee structure Within their accounts now it is fairly commonplace to understand That if you are able to designate that account as a self-directed account That you'll be glad that you did will not be subject to any of the management Fees that are typically associated or have historically been associated with your brokerage accounts And your retirement accounts. Okay, so To reduce the fees huge right by nature of the Roth IRA that you own the tax protection over that account will be Implied that's another piece of it to where you can look at and I just had a conversation today with a colleague who is like Traditional or Roth? Well, that's the end all question neither one of them are wrong because in both cases you're investing But your own personal situation should govern how you justify pursuing Roth benefits as opposed to taking the tax Benefit upfront in a traditional and and T each and and every person needs to understand if they're high-income earners now They want to ride those contributions off. It may pay back those contributions can actually be reinvested again So you could out actually outpace over the long term and then enter into an effective tax rate later on in your life Right presuming perhaps maybe that your high-income Years comes a little bit earlier on in your life So it's better to reduce that taxable burden upfront for some people that makes sense I was Roth Roth Roth and I still am I still love the idea of putting every dollar that I own that 545 that I have that we're going to go through when we review the portfolio The majority of those dollars are actually housed in Roth Accounts Roth IRA individual one individual Roth IRA account number two as well as the Roth TSP so Some pretty exciting times when we're talking about the ability to to control our own destiny and Empower our investments and I know there's new investors out there who come to the channel and they're like, okay Hold on to sec Ryan everything you're explaining. I feel like I can do okay. If you don't feel that way I'm not quite doing my job I'm here to tell you that these things are not difficult if you can own a savings account or a checking account You can absolutely own an individual Roth IRA account. You can absolutely own a brokerage account Okay, now if I can convey that to you over a social media forum Or if I could just send the motivation to you in a box and put it in the mail and you open it up And you're like wow that this is incredible. I I feel empowered. I'm motivated. Boy if it were just that easy Unfortunately the bridge to you Buffering people's fear of investing Is all too often buffered in the best case by you just taking a little bit of leaf leaf of faith If if anything I can give you it is that little bit of confidence That little bit of nudge the little bit of encouragement not push.  It's just not gonna happen that long-standing time in the market that I talk about that is so so key and Absolutely is on your side for one of those many elements that you can control Look if you can't see that through Then then your overall performance is gonna suffer over the years. So you might as well internalize this look It's okay to be excited. It's okay to get fired up It's okay to be excited about the prospects of entering into retirement at some some day with some financial backing some financial security finances IE the ability to make Decisions later on in life the ability to make problems go away That would otherwise be detrimental To your quality of life and living I'm talking about health issues. Okay, be let's be real All right, if you think somehow that you're just gonna enter into retirement and Be able to operate at the same rigor that you operate now. I think that's Fairly irresponsible and I think people do have the responsibility to themselves To to really aspire to taking as much control And I'm I'm outlining the very elements of control that you can you can take for yourself. Okay The next element is the infusion element infusion infusion Ryan you lost me I don't get what you're talking about.   So for new investors out there who are looking to get started The idea is that you don't just start that account, right? And six months later come back to it and look at it and it's up $6. Okay You're gonna come back to the independent investor channel and be like what gives Ryan it's been six months I'm only up $8 or what gives Ryan. I'm only up $52 Or here's even a better one. It's been six months Ryan. I'm down a hundred and twelve dollars That's a good one right there, right? How do we deal? I didn't sign up for this. This is crazy You said I would have control over this. All right. Now the whims of mr. Market over here That is in the out-of-control category, which is why we go with the SMP 500 in the first place I'm saving you a lot of heartache. I am saving you a lot of restless nights I'm saving you a lot of lost capital by Understanding that the very control of entering into the assets that I insist you should look at Okay, are done. So with a defensive posture in mind The stock market is a war zone. The stock market is not easy to beat the stock market all too often and All too often every year over year Is is is failed to be to be to be matched? or outpaced and Those are by professionals. Okay Now the very benchmark that those professionals will Compare their performance again is the very asset that I just suggest that retail investors who let's be real Don't necessarily have the time Or the bandwidth or dare I say the expertise because I don't really think expertise is necessary in this game If you can explain to me the necessary expertise that it takes to take an SMP 500 and somehow Manifest it to something more material over time than the next person or the next person or the next person For example, if I take a hundred people and I put them all in the SMP 500 Okay, and they invest the exact same amount in the exact same account at the exact same rate And they get the exact same performance. Why because it's the same asset in 10 years Those accounts are gonna be worth exactly the same They're gonna be worth Exactly the same Okay, it's where investors start to tinker with it and they start to get smart and they're like Ryan I've got in I've been looking at NVIDIA. It goes up every single day if I invest in NVIDIA I can make not 12% but 16% a year. Okay by adding NVIDIA in there What you fail to understand is that year one NVIDIA is gonna outperform and it's gonna help you You're gonna come back to the independent.  I don't I'm not a keeping up with the Jones freak Okay, you make 11 million 50 million like bad money. I'll applaud your efforts. It doesn't it doesn't affect me at all Okay, I'm independent. I truly do Preach preach what I I preach what I probably whatever the saying is but when we are talking about Investing in an asset and we're talking about things that are on your control Okay, the very infusion to that asset is very very important to understand. So now it's like, alright, man This is cool. We've got a bunch of attributes. We've got the asset We've got the account Okay, we've got the tax protection and the fee structure Minimized all right and we've got the ability to infuse our investment In a way that we deem fit you want to invest in it every week? Go ahead. You want to invest it every two weeks or every month? You can do that too and over time the expectation is that you reevaluate that and say Okay, when I was 18 years old or when I was 20, I was not a high income earner $25 was a stretch to do every couple of weeks But now I'm doing all right and I can actually increase that from 25 To 50 or 100 200 in some cases 400 Maybe you do something funny. Here's a concept for you and complicate your life by Taking on a spouse right then those numbers double again if you're going to contribute for the spouse or the spouse contributes to their own, right? Collectively as a married couple you are collectively Contributing to the overall whole okay So if you're doing it times two those contributions should increase over time just yet again Another aspect of what you can control in your own financial program. All right If you guys think of any uh that you you know can be like yeah, you missed this you have control over this You're right ryan, but you missed this there's probably all kinds of stuff that Um, I could throw in there as well to help you understand A lot of people would say well, I can't control my emotion You're gonna have to figure that out Um, it goes along with the risk tolerance that you assess for yourself The easiest way to understand risk tolerance is to award a zero Which is a non-investor and a 10 Which is a cryptocurrency not bitcoin investor if that's a thing Um, and everything in between a moderate investor being a five Uh beginning investors should probably be somewhere in that mid-range Test how it is that you um react in a negative 20 percent downturn market And that'll help you understand your tolerance to financial markets if it doesn't bother you Great, then I would award you a higher risk tolerance. Maybe a six. Maybe a seven whatever it is And that way it really does season you for that inevitable Down the line where you're able to build up that large amount of capital and really Subject your money to the swings of the market. Your money would be fine. It's you. I worry about human beings are freaking crazy All right, we're we're we're freaking psychological back basket cases.  We react to everything We want instant gratification for everything All right, um, we we we despise change Well by nature of entering into an investment um discipline You will try your emotions in ways that you never would have thought possible um Look you want to exercise the rudimentary um Activity of going out and just running or riding a bike is fairly straightforward Investing is not that way. That's why I deliver a very very streamlined message in putting investing in a box because That very special box or egg or foundation that I speak about in investing It is really the greatest way that you can attack the stock market because One thing is for certain when the stock market is doing what it's doing now It's not gangbusters, but it's been good A slow drift up a little bit choppy first of the year etc 2024. I think that's a fair assessment Um lots of interesting things going to be happening in 2024 But that very egg that I talk about in markets like this most people can accept that What I want to build your tolerance to is entering into financial markets that are not so conducive Are you going to be able to take that egg or take that baseline? And truly understand That it's going to seem like every single day you wake up and that it's down It's down again and it's down and ryan. It's been three days and I I can take it I can take it, but what about after three or four months? Of crappy market conditions We just went through a stretch my friends that I concede is probably two and a half years and and just coming out of it Three months ago at the end of 2023 Was the light at the end of the tunnel that I didn't think we were going to emerge from for a while I mean well, I'm is in the dark for a while And and it comes it comes quick It comes quick and it comes without a lot of people being in the market There's record high cash on the sideline right now people are not participating in financial markets right now And and it's a shame for the people that do and really understand that look the overall contributions Over the course of my life have been relatively light Where is the gains that I'm making on a five hundred and forty five thousand dollar portfolio now are significant They're good I would wish that upon anybody scratch that I do the independent investor channel because I Don't wish that upon people I actually believe that these fundamentals can be put in a plan A strategy and the stars can align in many many capacities for people out there that do not have But but two shakes of experience in the stock markets rub together If you want to do it you can do it If you want to do it as an element of your life and supplement that element with other Very very important elements of your life pursuance of a career pursuance of a business pursuance of um spending discipline pursuance of spiritual Enlightenment for crying out loud If you can get there You you got something going on The pursuance of building a family companionship Friends acquaintances, etc. Right you get my drift dietary and physical fitness these are all elements of Quite frankly what escapes a lot of people We are unfortunately overweight as a country we really are I wish that people could spend a lot more adherence to diet personal fitness exercise Then they do on their phone if you could just spend half of the time that you spend on your phone in the gym I went twice today Trying to get the little guy into some habits. He's 12 years old Right, so he went with me in the afternoon. He's not quite as savage as me to get up at 515 But hey, maybe someday those good habits will take hold And and he'll remember where he got it from. I think that's pretty awesome Just as good as anything to get excited about but um anyway, it's good. We got a few folks in here tonight I didn't expect expect for a random Friday in January the loyalists are in here for sure and I really do appreciate you guys Making your time making the time to come on in here and and see what's going on. So we'll we'll start at the top here Um, so the taxable I you'll notice There's been a real trim down in the portfolio here. Um amazon's a hundred share position And I took it into a multi-year downtrend. My cost on amazon is still 168 Um, I wrote it all the way down close to 100 I bought more I bought more on the way up and here we sit It's looking like amazon is catching its legs and google Just about the same here with about a 60 share position at and t um that 375 share position at and t bti About 15 000 in there and um aduro with a smaller position in the joint brokerage account Which shakes out at about the 2,500 2,500 shares, okay Just a little over 63 000 in that account. That's the joint brokerage account next roth one Um this handily black back over 106 Um some consolidation here got this down to really my favorite You know 10 or so stocks so Um one update here to share with you guys. I don't don't black rock anymore.  I think of sc hd in this now along with jp morgan disney and microsoft Pepsi VOO that's a there's 99 shares of voo in here So I you know for what it's worth that vbk is the small cap growth I think small caps are going to do really well this year and we'll be positioned to capitalize on that Uh thesis if i'm wrong So be it. I mean, it's not the end of the world, right? I own the small cap etf. We'll live to fight another day vnq the real estate etf fiser proctor and gamble Realty income and Verizon which i'm actually very bullish on this year roth 2 Just over 88 000. This is a larger position. This is mine here with the two speculative names I took a little heat today on the channel for um What dropping highly on I still own it? So I don't I don't know what people are talking about But um, I can listen. Here's the thing. I can't satisfy everybody online Okay Um, I build this portfolio. There's no perfect way to do so, but I do it for my own benefit Um, I share it with an open social media audience. This is real. Okay. Uh, this is not monopoly and um quite frankly, there's significant value In providing you insight on how I build wealth and this is how I do it IVV s and b. I talked about it Right, so that IVV is is the established position about a $15,000 position in here Vig which is close to 40 grand in this account. Uh, and then the utilities etf Very very simple one two three. That's f s e l x. That's the semiconductor mutual fund From fidelity. It's the only mutual fund I own. It's the first one I've owned and My heavens 30 years So I I started out investing in mutual funds and I haven't touched them since I'm groundless wealth, but there's only a $2,500 bill in there But that's rock two Um, here is uh old iron side. This is just growing. So I don't share this anymore folks and and and that's okay It is one of those things where I looked at the total overall project and I I needed to trim some fat M1 finance was the fat that I trimmed right wrong or indifferent. That's what I did I'm super happy to have this the only thing that I've bought into the end of last year is um Is the technology etf which is vgt. It's the first one there in the line Pretty expensive it I think it runs about $450 I own 10 shares of it. So 460 closing in on $500 a share So you're in a big big chunk of those big technology stocks. So even though I don't own a single position an apple Um or nvidia right now Uh, I do own amazon and google. I don't own meta. Okay, so I do own those through vgt, but The etf portfolio is doing really really well. It's just doing really really well So just shy of 30 grand just over 29 000 in there. So it's doing really well really well These are housed now with with fidelity. Okay Here's the dividend growth portfolio. This is a combination of three total accounts that uh, uh Consolidated down into one Okay This is pretty awesome. I had an inkling to share with you guys the top 10 and top 20 again I'll do that as we go, but we're staring down a $50,000 bill here Just yesterday them this dividend portfolio was up 500 specific dollars There's not a whole lot in each of these 147 holdings in here And like I conveyed last week about 20 percent Okay of the top 10 In this etf are comprised in my top 10 holdings next era Uh bristol meyer squib ibem intel Okay shell oil Okay, and the like okay, so 20 percent in the top 10 holdings within this It's kind of like my own little etf. I like it It is one of those things that I do not spend a whole lot of time When I do I enjoy it because I'm usually adding more to it. I bought more shares today in this I probably added a cumulative 25 or 30 or so shares Into this into companies that I wanted to add more to McDonald's Coca-Cola What else did I buy McCormick? I bought a little bit I bought next era. I doubled that position actually Uh, I bought more exxon mobile um Yeah, so some some cool stuff just just to embolden those positions johnson and johnson added a couple more shares See you guys kind of get the method to my mad madness here. This is kind of cool to look at this portfolio It's like a bunch of landmines just You know if I make I I got a dividend today of nine cents So be it so be it out of 147 holdings times four All right, that's that's incredible. That's close to 600 dividends per year If each of the equities pay four times a year pretty awesome stuff, right? So 600 pay paychecks Uh passively made through dividends by owning that portfolio and the capacity that I do A tsp is uh aiming in at the hundred thousand mark very very cool stuff It is actually up close to 28 percent here to date So exciting stuff there. I share the allocation. This helps a lot of people 75 in the c fund 15 in the s fund 10 in the i fund I openly convey this to colleagues at work and share this information I'm funny like that I don't see a lot of other people doing this. So that's why I do it The moment people start Stealing my stuff and and doing it then I'll just stop doing it I like to believe that I'm the owner of or at least in the vast minority Sharing information that's really really good. And this is really really good Uh set by array just one holding vti in there at 1120 That's the corporate account that just over 29 000 and then and then the total $5 and 45 cents. So we're doing really really well someday. I'll be able to Hopefully if I can double this by a number one medium with a coke. All right So the stuff works I know there's some social media people. They're unhappy with me I know there's a lot of people out there who would probably thank me for changing their f in life That's cool. That's just comes with the territory with It comes with the territory with Being a social media personality when it comes right down to it I make mistakes in real life just like I do on social media and mistakes with my investing If if you expect something other than Or or are expecting perfection I'm here to tell you man. I'm not for you.  That's for sure and you know Offered some some stock picks through the channel that just have not materialized and and and that's okay, too If I had it to do again, I wouldn't have done that, right But um, very cool stuff again. Andrew in the house. Andrew's colleague of mine. Very cool. I get a shot out Unfortunately, it's a shot out on the independent investor channel and about the eighth inning You know, we're singing take me out to the ball game now, Andrew But um, it's great to see you man. Very cool stuff. Thanks for spending a couple of moments on a on a You know Friday live stream with this man. Very cool stuff Just another patron of the message who's looking to empower his financial future. He's he's a young buck He's a young buck said to have this Information in the way that I convey it early Is priceless So if you feel like it's in your best interest to scrutinize Where it is that I put the majority of my focus now The net then then that's your choice Okay, but I can tell you if people actually put half of what I'm talking about to work You'll be better off for it and the whole idea here guys is let me let me just definitely break it down to you That there are way too many um Mother truckers out there that just want to be millionaires The damnable misery of it is The vast majority of people will not achieve that end Okay I don't talk along those lines I talk along the lines if you deploy some strategies that I talk about Maybe you'll be better off in your discipline and application tomorrow. Are you going to be a millionaire tomorrow? No That's okay.  I'm not a millionaire.  He's 46 years old. He's only got 545 five five dollars the five hundred and forty five dollars after You know 30 years of investing that that sucks, right? When I'm in my 40s, I want to be a multi-millionaire Right there in lies the pipe dream facade okay Maybe we need to suggest that becoming a millionaire isn't something that the masses even needs to do I can convey that the most fulfilling things that we'll probably do in life We'll probably have a hell of a lot less If anything to do about money and I'd really like you to take that to heart I really would I've been working on an achievement at Work that I'm just closing in on I'm 99 percent close to that achievement And I don't get paid anything for that achievement. It is the personal commitment to a mission That I have put myself on and it will be Probably one of the most fulfilling things. I got a raise in 2024 So be it. That's fine. I didn't celebrate that I didn't feel any different to be honest with you men Right, but that achievement that I'm identifying now. That's where the goods are made Here we go again another week closer to retirement You know, I hate the word retirement, but I I know what you mean. I appreciate all your loyal Support of the channel over the years, man You've been with me a long long time and I really appreciate you Hope you're and used at a great week grind that was a tough one You know the live stream for me is a release as I would hope that it is for you Um and um, maybe get a little motivation You know a little bit of infusion Really if we do this every week it does not speak to The the the futile aspect of what trying to infuse independent investor live stream energy into your portfolio It's probably not going to make a whole hell of a lot of difference, but You as an applicator are very powerful. I think power people are powerful Where they are not powerful is when they succumb to the whims of their own hasty decisions Are you deliver it with your application? Do you think through decisions?  But you know what right on man.   I'm a millionaire. Come and follow me Okay, the very nature of the I have a millionaire title Was probably in some capacity if not a very large capacity Materialized by the very attributes that I teach upon on the independent investor channel And if any of you guys doubt my ability to reach million dollar status on a nominal blue collar salary You are failing to understand the potential and power of the message For people out there. I started from scratch. You can do it too. You really can I started with 25 dollars I share that openly on the channel. There has been nothing Nothing That I have done That has been significantly Uh atypical I have not gotten lucky as a matter of fact in a lot of capacities. I have gotten unlucky Okay, what makes me difference is my perseverance my temperance And my god-honest tolerance to market volatility because my market tolerance is absolutely a nine Absolutely hundred percent across the board But mine has also been evolved over the last three decades Of market volatility. I've seen I've seen a lot. I really have I got chris on the house. Good evening chris. Thanks for stopping by man The loyal patron to the community He's kind of a cornerstone in the channel. No pun intended Very cool stuff and shrees in the house shree. Good evening. Good evening to you man Says good evening to everybody. That's fantastic man and victors in the house man These are usually the heavy hitters that make their way into the channel and provide their support right away Very cool stuff Very happy with you guys and then matt right right behind is also weekly patron to the message for sure These these folks Would never scrutinize by some of the folks that I get comments and I'm like, I don't I don't recognize who this person is I invited him on the live stream I invite a lot of people who choose to scrutinize and use the bitch ass smoke screen of social media To scrutinize onto the live stream I'll give you 60 minutes. You can debate me I would give you a disclaimer. I have a sharp tongue But you're willing to come on if look if you're willing to throw venom through social media That it's suffice it to say that you're probably brave enough to come on and tell me to my face yes yes but I have narya as seen the individual this evening just like I'm about oh for 712 on my invitations to the Independent investor live stream For the trolls on social media who live a nominal life of pointing fingers at everybody else And failing to understand the power of the bathroom mirror Raymond's in the house Find the cut alive. Hey, you caught a good one tonight. Raymond. Very good Good stuff, man How do you know everybody very cool stuff? I'm glad to see a brother. It's very cool Got horn dogs in the house from the uk man. Very cool stuff I appreciate you, especially my international audience I know man. There's really good people in this country. It is sometimes americans get a bad rap For all the right reasons Seriously, we're careless with money We're careless with our own lives and health We're careless with the opportunity that we've been given 100% And I would presume that there's people in your fine country as well that are the same I I don't think this Message That you know is is acutely specific to any one specific country I just think that it really kind of comes within And people who really want to deploy this can deploy it no matter where they are on the globe Very cool stuff, man I'm cruising down here. I almost got through the comments not a huge gallery tonight, but pretty awesome You guys stayed with it the whole time really appreciate that we got less than 45 seconds I just bought a new stationary exercise bike. I hope that may be a peloton be kind of cool But they're fun And I'm on my bike and listen to me now That's awesome, man. Well, uh might I suggest some I don't know acdc ramstein metallica You know something awesome. I I'm not awesome. All right But making money is I I wish I could play guitar. I can't This is my passion and this is what I do And if there's one person that makes their way to the channel that can hear my message Be empowered by the message And they can change their life because of it. I'm all about it Hey guys, great company. Very good dad. Great to see you. I'm gonna chop off It's been a very intriguing week this week Very very satisfied. It's been just just awesome We're absolutely crushing it in the wide world of of ryan right now and we're going to continue to crush Until we get up to a point that's going to start getting some people's attention Then we're going to Enjoy the close-knit group of the community as an undiscovered channel on youtube And i'm happy doing it. I'm happy doing the message indefinitely Um, I'm not doing this to to grow the channel. I'm not doing this to be everybody's friend I'm not doing that. I'm doing it to convey a message for 60 short minutes a week And talk about stock the way that I think stock should be talked about talk about investing the way that investing should talk about Right talking about personal empowerment the way the people don't think that they Have the power to take i'm here to tell you that that power is there Take it It's yours. All right, my friends. Thank you so much for tuning into the fastest 60 minutes on youtube Be back with you next week on the independent investor channel live stream. Have a great weekend. We'll catch you next week


Merhe yn fawr i ddim bydd y teulu'r llyfr i'u wnghynchachegau cwmysgol Cymysgol I inni Cymysgol Children's Bill yng Nghymru. Can I remind all those present, including members, that mobile phones should be turned off completely? The first item on our agenda is the declaration of interests and impartiality. In accordance with Section 3 of the Code of Conduct, I invite members to declare any interests relevant to the remit of the committee. Can I remind members that declarations should be brief but they are sufficiently detailed i dweud o gwahaniaeth eitem eu lofyddiaeth.  Rwyf wedi gwneud am gyfer fforddau ar gyfer hwnnw i fynd i ddweud. I declare that I will act impartially in my capacity as a member of the Power of Enchafry Drainage Commission Scotland Bill Committee and will base decisions solely on the evidence and information provided to the committee. I can now pass to Tom Arthur to make his declaration. I have no relevant interests to declare and I declare that I will act impartially in my capacity as a member of the Power of Enchafry Drainage Commission Scotland Bill Committee and will base decisions solely on the evidence and information provided to the committee. I also have no relevant interests to declare and I declare that I will act impartially in my capacity as a member of the Power of Enchafry Drainage Commission Scotland Bill Committee and will base decisions solely on the evidence and information provided to that committee. Our second item this morning is to choose a convener. The Parliament has agreed that only members of the Scottish National Party are eligible for nomination as convener of this committee. I am pleased to announce that Tom Arthur is the Scottish National Party's nominee for this post. Are we agreed to choose Tom Arthur as our new convener? Agreed. I congratulate Tom Arthur on his appointment and I will now hand over to the chair for the remainder of the proceedings. The third item on our agenda is to decide whether to take item 4 in private. Do we wish to take item 4 in private? As agreed, we will now suspend briefly to move into private session.


This is covering the spread part of the fan dual podcast network We talked on yesterday's show about how good the college football slate is this week and the NFL slate not quite that good But it's still pretty dang good two huge games here this week. We have bills at cheese We got Cowboys at Eagles and we're gonna break those down Get you set from a betting perspective for NFL week number six with Tom Vecchio picking his brain awesome This week's big matchups and his favorite bets at fan dual sportsbook This is covering the spread right here on the fan dual podcast network and number fire calm My name is Jim Sonness. I am a senior writer and analyst for number fire calm joined here as mentioned by Tom Vecchio Check out Tom on Twitter at DFS underscore Tommy Of course is a writer in a podcaster and an editor for us here at number fire ride Williams out today and Monday as he is Unpacking after his move run back with us Possibly next week of the week after to talk more about some betting angles here But Tom excited to have you on the show. How you doing today? I'm doing good. You know, we have another week of NFL Hockey star you a day I watched five hot games last night to MLB postseason games last night It's a good time to be a sports fan and NBA regular season begins next Tuesday, right? Is it Tuesday or Wednesday next Tuesday two games? Okay? to pay attention again because I like If I like analyze like my DFS like ROI I have a better ROI and basketball than I thought I did and so I'm like optimally I should be playing more but I also like I get tired Yeah, but like I just don't want to pay attention and it's like So when I have you on Monday to talk Monday football me we can talk some NBA opening night So yeah, yeah, okay looking forward to that before that that that we got a breakdown NFL week number six as mentioned We did have our college football week seven podcast with Dr. Ed Fang and Ben Stevens of sports grid swung by to talk about We got Big Ten Ben on talk Michigan versus Penn State We talked Alabama Tennessee with Oklahoma State, TCU broke down all those games and Ben's and Ed's favorite bets of this week Find that over on the Fandal YouTube page But also you're on the covering the spread podcast feed and make sure you are subscribed on your preferred platform for consuming covering the spread twisted T and Fandal have joined forces to bring you a one-of-a-kind Contest series gives you a chance to compete for your share of thousands of dollars in a site credit Introduced to twisted T's college football picks a sports betting focused contest series That's entirely free to play The contest is simple each college football game will be assigned money line spread and total markets with aside points Each market all you have to do is make six selections based on those three markets and earn points for each correct selection You may if at the end of the day your score ranks among the best in the contest You'll be eligible for your share of site credit had if annual comm slash twisted T picks and make your picks and remember Please drink responsibly now tom Before we talk about these games we haven't had you on for a non-prop show for NFL Just yet so want to pick your brain and kind of get a read on your style with the more traditional markets in the NFL Which non-prop markets are you typically targeting most of the NFL? And why do you think those are your best markets? Yeah, I think NFL markets are super efficient I think that we would all agree that they are probably the most efficient sport and Everything comes down super tight the spot that I would go to most often It's probably totals and it's probably unders. I've been betting A lot of unders this year. I also think that live betting offers a ton of value So I stick with unders I also think that's it's easier in theory in my mind to hedge out of depending You know if you're watching the game you can kind of just hedge out to break even So I generally start with unders and then I kind of double down triple down on That as I did most bangles ravens the other night. I was uh sunday night. I was on under 42 Live betting under 40 under 38 under 36 and a half and it ended at 36. So That's where I generally go. I find my spot and I just hammer it Not to root against you But I wish that game had gone over because I did did the bangles money line in that game They covered plus three, but I kind of wish they had scored that touchdown on that one drive I was okay with Zach Taylor Actually like going forward and forth now because like I don't really want to go to overtime I don't want to press my luck Them on the spread and the money line on the team on the same week Uh typically no, I try to go with whichever number I had the most value in for this year It's been a lot of money lines. Actually for this week. I have not bet a spread Um, I have not bet a single spread and part of that's because like My money line model is getting better closing line value and better results right now So it is based on that. So I try to like tailor it towards Where I'm having like so for for baseball this year My money line model to start the year with trash So I kind of abandoned it for a long time Retooled it entirely at the all-star break and then it started to back test a lot better So I went from doing primarily strikeout props to primarily Money line the second half of the year because it was just performing better And I was getting better movement on those numbers. So for me It really depends on where I'm getting better movement and Honestly this year even betting unders on totals You're probably getting pretty good movement because they've typically gone down as the week has gone along Right and there's just so many injuries and you know, everyone says oh beginning of the season These offenses start off a little bit slow, you know, we're a couple weeks into the season But we're still seeing some Inefficiency and just you know kind of just a lack of solid play like there's no other way to put it Like a lack of solid off consistent solid offense from a lot of teams And I think the unders leads that so yeah, you know, I don't want to say like I'm Shooting for the unders to then live bet and try and middle trying like that's not what I'm aiming for Just like I really think that we are seeing some Overall bad offense right now Well, it's weird because like we we trashed this quarterback class rightfully So the entire off season and now we got Bailey zappy potentially starting again. Scholar Thompson is starting Uh, uh, Kenny. Oh, that's a Mitchell, basically Kenny picket Is starting as well I mean sam howl might start a game at some point this year. So I mean, it's uh, you know, it's quarterback play is not great Um, but let's talk about some great quarterback play and talk about the Ravens the Giants obviously refs against st Daniel Jones, uh, not Lamar Jackson in this game Uh, but the Ravens six point favorites here total is 44 and a half And hey, I mean despite Daniel Jones having some blips some injuries The Giants have overcome some pretty tough opponents so far this year Baltimore's real tough though Lamar playing Arguably the best football of his life right now Can the Giants do it again and cover here against baltimore? This is a team I've been struggling with all year because at face value I look and say, okay, the Giants aren't good They're four and one they're covering some games Then I look at the games that they've won they've won these four games by a total of 17 points combined Four games, you know an average of just over four points per game um, and you know looking back on some of these games, it's like We're looking at these games that are literally one possession If one turnover or one thing goes the other way They're all of a sudden losing these games instead of winning by you know one two three points. They're losing these games by six or seven So in my mind, I'm waiting for the pendulum to swing back in the other direction And the Giants are four and one and the Ravens are three and two this season Yet the Ravens are on the road and they're still six point favorites Which you know was five and a half yesterday moved up to six today So the market or you know the bookmakers still don't believe the Giants are actually that good And this pendulum is going to swing back the other way The Ravens are coming off of I want to see two kind of slowish games You know last week against the bangles is divisional games lower scoring to be expected the week before that with the weather versus the bills You know, I'm expecting a big lemar game like he hasn't had like a huge huge lemar game in a couple weeks So combined that with the Giants, I want to say running a little bit lucky right now I'm on the Ravens this week. That's the spot. I would initially lean. I would say The over-under super tight both teams are two and three to the under this season or two and three to the over So three unders for them. I wouldn't go there. I would I prefer the Ravens at minus five and half of course moved to six now But yeah, I'm I'm tempted by the total over 44 and a half Because if I look at like my projected offensive efficiency for this game, it does I don't have a total market a total model. So it's not saying like, hey, it's at 46 or whatever points But like it does say this game could be decently efficient and it's not just the Raven side That it expects to have Somewhat a decent game like it's also not super super low on the Giants in part because They've been efficient because they've been like say qualm Barclay's been bananas effectively if you break off chunk gains It's not inefficient around the football. It's actually very smart So can they keep getting those chunk gains because if they're not getting the chunk gains, then it just drains clock to run the football so Do you think that's a qualm Barclay? busting off big runs is sustainable like Kinda um, it's not entirely fluky. I wouldn't say based on the way that he runs based on how good he is So I don't think it's totally outrageous. My numbers do have baltimore favor by 4.17 points here, which does It does say there is value on the Giants side. I'm not betting it. Um, there's value in the money line as well Plus 205 I can't get there. Um My 2022 only model which ignores all pre-season priors has baltimore like second in the power rankings behind just buffalo Which I think is a little bit high based on the way their defense is played but I think that's enough to talk me out of The Giants and the scheme despite the fact my numbers are showing a bit of value there I'm just a little bit worried about If seguan comes back to earth, which he might not again because he's very good That's my concern. But it's also Him independently not coming back to earth. I think we can separate from the Giants as a team Right coming back to earth and again covering all these super close games winning Four games by a total of 17 points. I think is again if they're running lucky right now and You know new coach we staff good for them and all like they're having an awesome start to the season I think day balls in the conversation for coach of the year like that's all great But in reality that's going to swing back in the other direction at some point even if seguan continues to be very efficient Yeah, uh, Mike Kafka coach of the year as well. We'll get him in there. Go cats Let's move on to the second game of the week. That is the bills at the chiefs bills Two and a half point. Actually this moved to three. It might be no, it's still two and a half. Okay It's still two and a half right now. Uh, total is 53 and a half in this game Bill is our favorite on the road in Kansas City It's a pretty big endorsement of how the market views this team as they have the entire off season This is not a new thing to have respect for the market Is that respect too much in a super difficult spot against the cheese? I don't think so and I think that you know You kind of hit on it like all off season the bills were the betting favorite for the Super Bowl They're the betting favorite for the AFC. They still are the bills are almost You know $3 favorites ahead of the chiefs when it comes to the Super Bowl So I think that this you know one one possession game two and a half points is good the The chiefs looked obviously good last week when it when everything was said and done But they didn't look great to start and the bills have been consistently good throughout the year So two and a half points if it closes it too, I'm not going to be surprised But I do think the bills should be favored very slightly And this is a game with a 53 and a half over under That I am going nowhere near the under this is one of This is one of the spots that you know, I have a lot of like I guess internal theories that are internal Policies I guess you could say that I operate on for betting and when it comes to Mahomes or Josh Allen You know cross sports with a player like Janice tend to Kupo Whoever might be for these players. It's like I take the over or simply stay away. I'm not fading Mahomes I'm not taking an under on Mahomes passing yards.  That's for sure. Right Yeah, I think that for me I I kind of am on board of that in terms of the total I actually kind of like the cheese in this game and by kind of I mean, I actually like them quite a bit I have the cheese favored by 1.49 points in this game Based on my traditional model the one that I actually do use So that means I like the money line a lot of plus 124 if I look at my 2022 only model which again I use just because kind of like a cross check to make sure My priors are not weighing things down too much as we get into week six now My 2022 only model like I said does to the bills first in the power rankings. It does like them It does favor them in this game, but it's by just 0.81 points. So To me directionally both those are saying I should bet the cheese So I did take their money line. I was plus 130 on tuesday. I Don't think it's going to move a whole lot from plus 124 I feel like it's probably going to stick there for the most part, but I just I think that the cheese are being a bit undervalued in this game I know the bill's defense is outrageous like they can generate pressure without blitzing which is such a key thing to have um, I know that we saw Gabe davis finally get going this past week the bills haven't had to play four quarters outside of two games For this year because they just been blowing people out for the most part But I still feel like there's value in the cheese Do you feel good enough about the bill's side to lay the two and a half or is it more so just talking yourself out of taking the Kansas City side I think it's the latter. It's just take you know talk myself out of that. I will say bring up this one point I think it is good for a larger discussion if you like the chiefs in this game I think that there's value to bet on them for the Super Bowl or the a of c because that number is not going to stay the same If they were to win this game So if you like the chiefs the chiefs are not going to be they're they're plus 650 to win the Super Bowl right now If they beat the bills As underdogs the chiefs are not going to be plus 650 to win the Super Bowl at the end of this game where you know come next Monday morning, whatever So I think that's a way to look at the the larger picture as well because we started this conversation saying The bills have been uh, you know the betting favorite the whole off season for the Super Bowl So if you're going to be on the chiefs for this game You should probably look to correlate that or be ready to correlate that whatever You know your plans are if you've been on You know futures the afc championships or whatever it is like you would agree with that It's an inflection point and an inflection point is where we'll see a big shift in the market And that will be after this game whether it be the bill shortening or the the chiefs shortening So I think that there is value in that regard chiefs right now plus 350 to win the afc championship of Baltimore plus 750 that's somewhat intriguing I would say as well the bills of plus 180. I can't find any value like that is absurd the bills plus 370 in the Super Bowl The eagle is actually the shortest team in the nfc at plus 700 I still like the bucks the decent amount plus 950 despite how weird they've looked but I think that viewing it from that perspective getting ahead of inflection points or Sometimes staying off inflection points like maybe you think the chiefs can win the afc, but might not win this game having the The patience to wait and maybe grab them after this if you think that okay the bills win But I like the cheese long term so I think that just being aware of inflection points is the key right and and this is this is uh, you know Kind of one of the theories, you know, I bring from dfs or what he used to use in dfs is when it comes to injuries It's like if then what happens like if this player is out then what is going to happen? It's like okay if the chiefs win what is going to happen to their number like their number is not going to be 650 If the bills lose that number might drop that could go to you know 430 450 something and that okay, I'll jump back in on the bull Excuse me the the bills at that point. I don't want them at plus 370 right and I think of that discussion about Shopping for futures and recognizing Inflection points is a key one for our third game this week That is the cowboys at the eagles right now eagles six and a half point favorites Total is 42 and a half and the cowboys are four and one But they're also plus 300 to win the a or the nfc east like I get it because the eagles are Six and a half point favorites here. They are 5 and 0 They've got this absurd record But like you know if you think that the the cowboys are live here that could push interest that direction Now the cowboys seem like they are likely to start cooper rush again this week They have Wildly exceeded exceeded my expectations with cooper rush so far Can they do it again and cover here against one of the league's best teams? It comes down to me for this game comes down to one thing Will the scoring be under control for the cowboys? So the cowboys are one in four to the over the season and their defense is great And I don't think there's a surprise to anyone But they're winning games based on their defense where cooper rush really doesn't have to do a whole lot You know, I don't like the term game manager. I think that's It's kind of like a knock against quarterbacks who legitimately are some of the best in the world But it's kind of what they're doing and they're winning via their defense And it's you know credit to them. They're playing to their strength. They have a back of quarter back in there who's not as good as dak But they're they're covering these games. They're winning these games because of their defense Their offense kind of just does just enough So if they can keep the the scoring under control and hit yet another under this season They can cover this game. They might lose it But if this game gets out of control and hurts and the eagles offense runs wild They're going to lose this game by a big margin They will not cover and the game will hit the over So for me, it all comes down to their defense Do I can cooper rush if this game turns into a shootout like cooper rush is not going to outdual jail in her That's what it comes down to right like if this game turns into 30 plus points from the eagles the cabboys can't keep up with them they like that that's it comes down to their defense and I would side with the eagles in this one. I think that herds has been too good. I think aj brown Has has waiting for a huge breakout game. He started off the season super high. He's been a little bit quiet the past few weeks So that's what i'm expecting from the eagles a lot of points in them I would lean towards the over which is not something i'm doing very often as I said at the top of the season I don't think cooper rush can keep up with herds Yeah, I think that that's kind of the the tough part of this because my numbers do like the cowboys They like them plus six and a half. I prefer the money line at plus 235 That has moved pretty heavily towards the eagles. So it could continue to move So if you like the cowboys money line, maybe don't take it yet Uh, see if that number keeps on going the other direction because People justifiably love the eagles. They should they've been amazing like they should love this team for sure But the cowboys have played. Well, you mentioned the defense. They've been very very good and the offense hasn't been bad enough to lose them football games The question mark is can An offensive line that I think has been pretty good of late They don't have the best personnel right now. I don't think can they duplicate that against the eagles team that has caused havoc for a lot of teams So I think that's the biggest question mark there. Now if you want to um, potentially Play into the things that tom was discussing You were talking about how if you're looking at this cowboys team and you think that they cover It's basically saying you think it is a low scoring game Right I think that's the situation where you take a look at like I don't do a lot of Same game parlays because it requires me to find two bets in the same game where I show value Which doesn't happen all that often But I think that those two actually do tie in pretty well If you were to pair those together the cowboys plus six six and a half under 42 and a half That's plus 243 if annual sports book right now I think that situation where you could you could take a look at that or the flip side like tom said You lay the six and a half of the eagles and take the over so Again, I'm not a big person in terms of same game parlays But thinking about the way things interact like that because I think that if the cowboys do cover It is what you said where it is a lower scoring game Because that defense beats out and kind of keeps things in check Right and you have to take a step back and look at it and saying what happens Like what's going to happen to cause this game to hit the under like well Okay, that would mean that the eagles offense isn't doing a whole lot and You know overs obviously and uh indicate that there's like some variable that it's unaccounted for something that that's happening out of the norm Expectations are being exceeded. Yeah, so hypothetically if cooper rush passes for 250 yards He's doing so because Hertz is also passing for 300 yards Like right cooper rush isn't passing for 250 yards because that's not their game plan with him Right, so when you take a step back and say, okay, what's the actual game flow? Or what are we expecting from this? What are the like what's the deviation? What's the the 10 up? It's like, okay Well now cooper rush has to pass the ball 35 times game because they're trailing So I'm totally on board favorites Correlate now with overs and unders taking the underdogs with the under etc etc. I'm totally on board with that Yeah cooper rush though and 35 times is the worst case in it Like something has gone terribly off the rails if that happens But I think that it should be a pretty fun game And I think that hopefully it's a competitive game not just because I have the cowboys to take it But anyway, let's talk about our favorite pets for week number six. Tom when you look at the board right now What are your favorite pets at fangirl sportsbook? One that jumps off the page me would be the bangles minus one and a half on the road taken on the saints The bangles are in need of a bounce back game. Obviously a bit of a slower start to the season for them T. Higgins is still dealing with an injury, but it really comes down to the other side for the saints and They just have so many injuries and it's gonna be james winston My thomas chrysalabi like they are super banged up and This is kind of looking like a bit of a get-right spot for the bangles after seeing their defense really get torched last week by the seahawks The same set is this is spot for the bangles to you know, kind of push their offense Downfield pick up a win against what is ultimately a very banged up saints team So that's the first spot the second spot would be the vikings on the road minus three and a half They looked good last week. I don't want to say great But going up against you know potentially third string quarterback for the dolphins kind of them to you know get on the right track with their new passing offense Kind of just you know flex their offense muscles in their passing game So those are the two road favorites are the spots that i'm initially looking Yeah, uh, the the bangles one minus one and a half against the saints James did get back to practice wednesday, but like you said no a lave no thomas no jarvis landry march on latimore is also banged up and if you're gonna have I think t higgins will play uh based on what they were saying about him on Sunday, that was annoying. I had him in uh thursday through but losing him is less of an issue than jamar chase for them and then losing marshal latimore michael thomas Yeah, just even if even if he doesn't play at all just and uh tism hill's dealing with a shoulder thing I think he's at a rib injury. Yeah, he's uh, he's a little bit banged up too Um, so it's just less of importance compared to the saints injuries Right if I have this game straight up like it before I put in Michael thomas and olave, I think thomas Shepter said he's gonna play this week adam shepter vs pn obviously I don't know why I had to clarify that jetty said that uh, michael thomas probably gonna play this week I have him in right now if he were to sit I've got this at exactly like even an efficient market right now 1.5 favoring the bangles If you take out michael thomas or chris olave, that's gonna show some value at least a little bit of value on the bangles side of things so I'd agree that one there. I have the dolphin's vikings game. It's at uh I have the vikings there by 3.39 so pretty efficient number there But that's in part because I still have a pretty high for scholar thompson just because the infrastructure is so good But tarry kills banged up, um, that's secondary as mingers. I think zagan howard will probably play this week He was out the past week, but I don't want to bet on the dolphins with scholar thompson So I think that um, I can't push back on either of those personally I would also say the the last one might be the jags plus one and a half. Oh, buddy Okay, you're talking about buying futures markets right now Jags plus 240. Oh, yeah, of course. I love the jacks jacks plus two.  Um, I actually think that's a pretty good bet too. Um, the titans defense is hideous Like my gosh, they're bad. Um, I have like opponent adjusted numbers and like they're bad as straight up But when you adjust for opponents, they're somehow worse Uh, so that's not great. They're on a buy this week The jags I think can win this game So I've talked about my two separate models right now. My traditional model is uh showing this as indy minus 0.81 So not a lot of value in the spread at one and a half points Uh, but in about 0.26 points in the money line if I go to my 2022 only model Which again, I don't trust as much because it has no priors in it stuff like that It says the jags should be favored by like four points. So again, that's not something you should go based off I do not trust that model relative to the other one but You know one model says sufficient the other one says go jags So plus two forward to win the division. I kind of think the jags are in play So I'm not going to push back on that. I think that one's a great I I've bet against the close of a week this year to mixed results um I haven't done it yet this week and probably won't because I've lost some value on the jags, but Tempted still what about the total they are Uh indy is 0 and 5 to the total this or to the over the season Uh, I think if you if you think there are points in this game, just bet the jags team total I don't want I don't want to have to root for matt ryan. That's that's totally fair. That's not frying I refuse to have any any money tied to that Dumpster fire of an offense. Uh jags team total pulling it up right now Uh over at fan dual sportsbook actually might not be posted yet. There we go I was like, I'm the wrong Section jags team total 20 and a half over as plus 102. So you don't get 20, which is kind of annoying but You do get 21 as being a key number there So I if I if you think there are points there, I would just go with the jags team total because I don't I'm not rooting for Matt ryan in the year of our lord 2022 That's totally it's a very fair conclusion to draw Do you want the money line or the spread for that jags game? um There are obviously I think they're both I think the jags can straight up win that game. The points are obviously safer The money line is what plus one Plus where's this one plus 112? Yeah. Yeah, I probably shoot for the money line at that point Plus 12 go jags is a pro jags podcast and I am fully in favor of that That is tom of ecchio checking out on twitter at dfs underscore tom as mentioned tom We'll be back with us on monday to talk monday night football. That is the oh boy It's chargers and broncos, which means I have to talk about russia wilson again. Thankfully. I've not bet the broncos this week I get to bet against the cardinals and ignore the broncos best case scenario I'm very happy about everything involved with that tom. I appreciate you and I'll talk to you again on monday Thanks for having me Alrighty everybody that is all that we have here for today as mentioned though our college football betting podcast is up On covering the spread and the fan of youtube page and our nfl prop betting preview with jj zachery So we have tomorrow probably around 11 or so 11 11 30 on the covering the spread podcast feed and on The fan dual youtube page get those wherever you consume your content And while you're there if you like what you hear leave us a rating and review as well I'm on twitter at jim sonnis j i m s a n n e s enjoy thursday football somehow Please let's go commanders get this money line ticket for me We'll talk to you all again tomorrow to talk about some props for week six This has been covering the spread right here on the fan dual podcast network You


Thank you for having me. It was a really good mix of panelists, some very, very good points brought about by everyone. But fundamentally for me, the takeaway is that AI is here to stay. Technology is an enabler. Technology helps you to do whatever you're doing better. Fearing and having anxiety around technology hasn't helped any one of us. It's not going to make it go away. So fundamentally, for all of us as professionals, as we look at technology, we should see it as a tool to continue to remain relevant at what we are doing, continue to do our jobs better, and actually get better at what we do. More precise, more sharper. That's what technology is supposed to do, and that's what I will do for us as well.


Can anyone edit Wikipedia? This is Lisa. Lisa is new at Wikipedia and wants to edit an article, but for some reason she can't. She realizes that the article is semi-protected. Why is that? Wikipedia is edited every day by thousands of volunteers from around the world. Truly, everyone can contribute their knowledge. It's a great system, and it's what made Wikipedia the largest encyclopedia and one of the most popular websites on the internet. In only a few years. But the World Wide Web is also home to many online trolls.  To make Wikipedia's knowledge less vulnerable to such trolls so that they can't damage it or delete it altogether with just a few clicks, only auto-confirmed users can edit semi-protected articles. To get this status, Lisa has to make at least 10 edits to unprotected articles. Also, her account has to be more than four days old. Aside from that, more experienced Wikipedia's make sure that community-selected administrators find out about users who repeatedly break Wikipedia's rules and temporarily block them. Of course, they also check that the changes meet Wikipedia standards. For instance, they make sure that Lisa used a neutral tone and cited good sources. Even if Lisa makes a few mistakes at the beginning, it's no big deal. Great! When changes are undone, it's almost always for good reasons. Wikipedia is not about pushing individual opinions, but rather reaching a consensus together. Still, Lisa wants to defend her edit, so she uses the talk page to make a case that is objective, polite, and supported by good sources. Finally, four days later, Lisa has made her first ten successful edits. So her user account is now auto-confirmed. From now on, she can also edit semi-protected articles, move pages, or upload files.


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