Hey, what's up, everybody? I hope you're doing super well. Today, I want to talk about these banks that have failed. What that has done to interest rates, mortgage rates specifically. Also, the CPI report that came out yesterday. And can we please talk about the fact that real estate prices right now have been going up over the last week or two? I want to share all of this with you along with my thoughts and commentary. So, let's get right into it. So, right after the mortgage, right after the banks failed, right, which happened over the last week, the two banks that went down, they got taken over, and it was just really a mess, honestly. And how that whole thing happened, you know, there's been so much content about how this happened and everything else. In a nutshell, it goes like this. When you deposit money in a bank, the bank hangs on to about 10%, 10%, 15% of that. They invest the rest. And when everybody comes in and wants their money all at once, they don't have the money, the reserves get too low, and that's when everything starts to really take a tumble, which is exactly what mortgage rates did in the wake of these bank failures. On Monday, we saw interest rates go down 13 basis points. This is for the 30-year fixed. Now, that was very interesting to see that happen. And I believe that what we're going to see because you can't see the data right now, but what we're going to see if we look back on that one day where interest rates came down 13 basis points is that we'll see a surge in mortgage applications. I believe that we'll also see a surge in pending deals. I bet you anything, there were more contracts written on that day than have been in a minute. So, it'll be very interesting to see that data come out. You really won't see the day-to-day pending sell data, but we will see the mortgage application data and kind of what happened during that brief moment. Now, the very next day, the CPI report came out, and it was pretty good. It was decent. Core inflation was still up month over month, but down year over year, and the overall inflation was down for the eighth straight month. And so, this is a good sign. And we knew that it was going to be rocky. We didn't expect these CPI reports to come out and just be great reports. Everything's coming down. No, we didn't feel that way. It's going to take some time for this to really settle out and get to a better place. And that's why we have our eyes set on May 10th. Mark that down on your calendar as the day that the CPI report comes out that we feel like we're going to see some really incredibly positive numbers that should be a really good inflection point for the 30-year fixed, where we start to see that start to soften. That's what we're hoping for anyway. Nobody knows. I'm not saying I'm predicting what's going to happen here. I'm just saying that all roads kind of lead to the same place with this, because we know that the 30-year fixed is more so tied to inflation in the 10-year treasury than it is the Fed's fund rate. And I hate to have to say this over and over again, but I still get comments all the time when I'm talking on Instagram about all the optimism that I have about the market. And people say, oh yeah, we'll just wait till the Fed raises rates another 100 basis points or 150 basis points. Or they're going to raise it 50 basis points next week. And every time I reply and say, okay, well, I'm glad that the 30-year fixed isn't directly tied and correlated to the Fed fund rate. That it's more correlated to the 10-year treasury and the inflation based on what an investor can get on their return when they buy mortgages on the second market. That's what drives the 30-year fixed. And so when you really boil all this down, it's very interesting place to be. I'll share with you here the CPI numbers that came in at 6%. This was overall inflation. Okay. And when you come down, you'll see that the high was 9.1% in June. So it's come down 3.1% since we peaked out in June. So it's steadily been coming down for, like I said, eight months in a row. And the core inflation was up a half a percent month over month, right? And it was up 0.4% from month over month previously. And that's up from it was going up about 0.1% or 0.2% per month. So this is an increase and this is something to really watch. This could be one of many, many, many things that's causing this. And it's something that we're going to watch. But as you can see, core prices, core inflation, it has more to do with food and energy items. They better reflect long-term trends. So this is definitely something to watch. But like I said, we knew and expected there to be a little bit mixed reports. A little bit rocky. It's not going to be all just smooth and great as we continue to work on this situation. But the great thing is that mortgage rates came down in the wake of the bank situation. But then the very next day, here they go. They went back up more than they were previous to the banking collapse. So here we are at 6.75 as of the time that I'm recording this video. And we're just going to see fluctuations, right? And what's very interesting is that I'm traveling three times a month right now to speak to real estate agents all over the country. And last week I was in Chicago. And the first thing I ask most any audience I talk to right now during this market is, are you guys getting multiple offers? And everybody raised their hand and said, yep, there's nothing for sale. We're getting multiple offers. So there's so much pinned up demand. And even with interest rates in this 6.75, this 6.5 to 7 range, we're still getting multiple offers. And the mortgage rates being higher is actually causing inventory to come down. Because the higher it goes, the more app that owners who are sitting on 4.5 or 3.5% interest rates right now in their current mortgage are less likely to sell and try to upgrade or do whatever. They're not going to sell. They're going to continue to sit on those mortgage. I'm sitting on 3.15 on my house right now. Of course, we bought this. This is our drink. We don't plan on selling this thing or moving for 20 years. But I think a lot of people are in the same boat. Another thing that higher interest rates are causing in terms of inventory is less building. The builders are going out and they're doing that. There are a lot of them. 75% are doing mortgage buy downs for the buyers so they can get lower interest rates. But they're 30% down on construction right now. Now, we've seen a slight uptick in that as builder confidence has continued to grow moving into the new year here. So we'll see how that plays out. But demand is still there and demand is very strong. I see videos all over the place about vacant houses and builders in trouble. And it's going to get a lot worse and all this stuff. How? I don't see it. I just don't see it at all. I did a reaction video to a video from a guy who feels like it's just... I mean, he must think this thing is just really going to crash and burn. One of his arguments was that there's 14 million vacant homes right now. And if only 5% list their houses, then that's going to flood the market. No, it's not. It's going to get us back to not even normal. If we had 700,000 more homes on the market right now, all in the same day, mind you, that would be 5% that decided on the same day to all sell all of a sudden, which would never happen. It would be something that happened over time. But even if we had 700 more,000 homes, that still wouldn't keep up with the demand. Even if all of a sudden we went from the 700 we have now to 1.5 or 1.4, that's still not enough to keep up with demand. It's like they're just grabbing for any straw they can about this market. Now, I'm on the other side. I'm thinking optimistically. And I want to talk to you about prices and how they're going up right now. And what do the bears have to say about that? I know what they're going to say. They're going to say false rally. It's a false rally. It's just, you know, these things take time. It's a lag.  It's on the way. And that's fine if it's a false rally. And I'm okay just to make it clear that if things do crash and burn, I will absolutely crush it. And that's what I want for you as well. I want you to see the positive sides of this. If, in fact, that starts to happen, don't see it at all. I'm going to help you through that scenario. But nevertheless, let's dive into the prices for just a second. This is national prices. Okay, so you have to look locally. You can't just look nationally. You've got to look locally. So this won't be the trend of your market. You have to, and you can actually go here to Redfin and pull up your market right here. You can pull up, you know, your market and look exactly and see what your market's doing. But this blue line is prices, the medium home prices in the U.S. And this is Redfin data. And this shows that we were a little bit higher year over year. And then we intersected the black line, which meant that we went negative year over year. But look at the trend. I'm going to, I'm going to zoom in for you just a little bit, because I really want you to see this trend right here. Okay, let's see. Uh-oh. I think I messed up. Hold on one second. Let me get it back right here. Let me do that. Refresh it one good time. Let's go to medium. Okay, here we go. All right. This blue line, okay, you can see that we went down and we bottomed out at $345. And now we're trending up and we're at $353. So we were at $345. Now we're at $353. Ladies and gentlemen, prices, average medium, medium sell price in America, according to Redfin data, has went up. And this is going back. Let's see. That's January 9th to February. So this is February. Let's see. This is 16th to the 12th. So from the 12th, from February, so for the last 30 days, prices have been trending up. Not down. They've been trending up. So false rally, maybe. I don't see it. I think there's a possibility that we've hit a bottom in the markets, not saying that we have for sure. Fannie Mae thinks we're going to continue to go down 4% lower this year, 2% lower next year. But we're going to have 2023 is going to go down as the third largest year in history of the U.S. in terms of volume of real estate bought and sold, the third highest ever. We're going to have somewhere between 4.5 to 5 million transactions, which is completely normal markets. You know, we had 6 million in 2021. Abnormal. We had 5 million last year. Getting back to normal is still a little crazy. 4.5 to 5 is exactly where we were for a decade. So we're getting back to a normal market.  I don't know that. I think that there's so much demand and so little supply that I don't think it's going to keep going up, if anything. But I don't know what's going to happen. Nobody knows what's going to happen. That's the cool thing, but I can tell you what is happening. Prices are going up right now. So I know that's happening. So it's all very interesting. We're going to keep an eye on it. I've got my popcorn. I'm enjoying the show. Let me know if there's anything in the world I can do for you. I'm going to put another video right here for you to watch. And I'll see you on the next video. Keep building and keep selling.


Tamoxifen is a commonly used drug for treating breast cancer, but it has also been shown to have chemo-preventative properties. Vitamin E may be able to enhance these preventative effects, making it an important factor in the development of new treatments. This article was authored by Farid Kaluki, Lausen Haji, Somaya Saber, and others.


Vermont PBS, in cooperation with Orca Media and the Vermont Press Bureau, presents Capital Beat, the Week in Review, from the Vermont Statehouse. Here's host Neil Goswami. Welcome everyone to Capital Beat. I'm Neil Goswami with the Vermont Press Bureau. We are here inside the Speaker's Office with House Speaker Mitzi Johnson and Senate President Pro Tem Tim Ash. And we are here to talk about the budget proposal put forth on Tuesday by Governor Phil Scott. Madam Speaker, Mr. Pro Tem, thank you very much for being here. Thank you Neil. It's a pleasure to have you. Some have called it a radical proposal, some have called it a bold proposal. Others have said there's no way this is going to pass, others said we'll give it a chance. This was a budget proposal that really does some fundamental things to change the education system here in Vermont. It takes some early education spending and some higher education spending and puts it into the education fund. It also imposes the state's will at the local level a little bit. Speaker Johnson, maybe you can give us your first impressions of what you heard on Tuesday. So I would, I'd even challenge some of the bold comments. Most of these proposals we heard either under Douglas where there were efforts to put a lot more expenses into the education fund or Governor Shumlin tried saying to local school boards just don't spend more. That's how we're going to solve property taxes if you don't spend more. So it's really combining those two proposals and then balancing the general fund on that idea. So I wouldn't have called it bold or surprising really. We're already hearing from communities that have concerns about the timing. People are trying to warn budgets right now and are required to within about a week. And part of what we pride ourselves in Vermont is local communities being able to make some local decisions. And we've had a lot of pushback about what Montpelier should or shouldn't get involved in. So we're right now really listening to communities, to school boards, to parents and to taxpayers saying, you know, do they really want another $150 to $200 million worth of liabilities put in the Ed Fund, some of which will wind up on their property taxes. Senator Ash, before you weigh in on your first impressions, let's give the listeners at home some idea of what we're talking about here. The governor proposed moving higher education into the education fund, which is about almost $84 million worth of funds. He wants to move retired teachers' health care funding to the education fund, another $27 million. And then the teachers' general retirement contribution, another $8 million into the education fund. Altogether we're looking at $135 million, $136 million in transfers to the education fund. At the same time, his proposal calls for about $86 million to come from the general fund into the education fund to help cover that. That doesn't seem to add up. What do you think about this proposal and the potential impact on property taxes, Senator? Well, I think I would call it a bold proposal in the sense that the governor said he wanted to come in and make proposals consistent with some of his campaign rhetoric. And unquestionably, this would be a fundamental upsetting of the apple cart in terms of our education funding system, which has now been in place for 20 years. In addition to that, the governor is asking us in about three or four days to make very serious decisions, which in the past have taken many years of community participation and legislative process to arrive at. You said something in your intro about it being a slight imposition of state control over local schools. I would say it's a total imposition of state control. In fact, it is a direct and absolute mandate on the amount of money that can be spent by local districts when they show up to vote on their school budgets. Now, some people are concerned that the voters sometimes vote for too much spending, sometimes not enough. But whether they're conservative people or liberal people, we've usually heard that the state shouldn't tell them how much they get to vote on. This actually does tell them you cannot vote for an amount that exceeds last year's unless you happen to be a wealthier community that is able to do what they're calling a one-year, up to 5% of your budget's special assessment, which then raises all sorts of constitutional issues. So, all in all, it's a proposal that, in fairness to the administration, they're just getting their sea legs underneath them. It's pretty clear that when you try and put all these pieces together, it's not quite ready for prime time. And so, let's make it clear what the proposal is. The governor is asking the legislature to pass something that ensures that local school districts cannot spend above their 2017 fiscal year, the current fiscal year budgets. You mentioned the 5% one-time assessment or fee or whatever you want to call it. That would be imposed at the local level. Therefore, it wouldn't be Governor Scott that's raising property taxes or any tax. He's also calling on the legislature to pass something that forces teachers to pay at least 20% of their health care premiums. So, those are the two areas where you believe he's taking total control or looking to take total control. Yeah, I mean, collective bargaining, you know, for those who don't follow labor management issues, collective bargaining is the premise that in law we say to the teachers, these are the things you negotiate with your local school boards, and the contributions teachers make to health care premiums has been one of those items. For the first time ever, this would be mobiliar coming in and saying, you know what, for decades you've had a complex set of negotiations. Some districts might have lower premiums and as a result they've made sacrifices on wages or vice versa. This would be mobiliar coming in and saying, all of those past trade-offs are now out the door. You will pay up to 20% whether that disadvantages or advantages one set of teachers who have made other concessions for their current health care benefit. And again, this is one on principle we have heard from conservatives for year after year after year and from liberal year after year after year that mobiliar should not descend and dictate the terms of play at the local level. And unfortunately right now in this construct that we're trying to untangle, those are two instances where we're absolutely coming in with mandates. I think additionally, I'm not sure how familiar the governor was with all of the efforts that are currently underway right now for teachers across the state to be re-evaluating their health care plans. All that's currently happening because the health care plans offered to teachers around the state are being shifted to better align with some of the offerings to the public sector and to private citizens. So having, it would be terrific to let that conversation take place because I think there's opportunity there to significantly realign spending and how that works and actually put teachers and school boards in a much better position that would help the collective bargaining process and help taxpayers. Jason Gibbs, the governor's chief of staff told me this morning, quote, we're going for the end zone in one play. Is that a smart way to govern? Is that a smart way to approach such a major part of state government in terms of education? Even the Patriots saved their flea flicker for some time in mid-game last week. I've always said that sometimes it's good to have first downs. It shows a sign of progress. You build on success. And as Speaker Johnson was saying, we have ten sets of communities going out with Act 46 merger votes on Town Meeting Day doing all the things that the legislature and the administration in the past have asked them to do. And so throwing that Hail Mary to the end zone on the first play of the game has to be also viewed in the context of all the work all these districts have been doing in good faith to comply with the same spirit that we've raised around spending pressures and other things in the past. These districts, not all of them are doing the same high-quality work in their merger attempts, but there's a lot of good faith effort going out there. And this really does have the effect of sending a message to them that your work has really not been worth it. Your House Ways and Means Committee, Madam Speaker, has already begun hearing from members of the administration who are there to explain the proposal, defend the proposal. And they've raised a number of questions about its feasibility. Let me start with one of the main concerns, which is timing. Local school boards are this week and by the end of next week needing to warn their school budgets for Town Meeting Day. And the governor is asking them to hold off and have a special statewide voting day on May 23rd for school budgets. But it seems unlikely that you'll be able to act that quickly and state law calls for them to go ahead and warn their school budgets. So, I mean, do you feel that if this is going to work, you need to act within the next week and a half or so? I don't think it's within the governor's power to tell town officials that they should not follow state law. And we have hundreds and hundreds of bills, potential new laws, all of them potential new laws, discussed over this four and a half month period that your representatives and senators are in Montpelier. And so if there is a proposal for anything, and there are lots of proposals every year, the rule is always you follow existing law until the law changes. If we were having a law to change the speed limit, or we don't have one like that right now, but so smoking age. There's a bill out there to raise the smoking age to 21. Does that mean that all store owners should stop selling cigarettes to people 18 to 20 because there's a proposal on the table that could raise it? And I think in that example people would say, well, no, current law is, you know, 18 is legal. And so that's the way it should stay until that law changes if it were to change, making no comment on that law. But just as an example. Sure. So you expect, you both would expect that school boards would go through, warn their budgets, and should you act at a later date, that'll change. If they don't, they're in violation of the law, plain and simple. Okay. There's been a number of questions. And I should say, Neil, there are some who for reasons that I don't think are the ones that motivated the governor's proposal. But people who for political reasons would like to throw a little chaos into this are actually encouraging their school boards to step back. And I just want to indicate what a problematic thing that would be if any public official in the state was saying, don't continue as if the current law will be the law. That is, that really is the kind of thing we're seeing in Washington right now, which undermines the entire democratic process. Right. Right. So it's important that they continue to follow the law up and until the law changes. It's what is expected of public officials in the state and everywhere else. Okay. There have been a number of legal questions raised, particularly about number one, the authority of the legislature to dictate such terms to local communities or local school boards. And then whether or not this disrupts the equity that the Brigham Supreme Court decision required everyone to follow. Let's start with the, with the, what some are calling an overreach of power in Montpelier by telling school boards and school unions, teachers unions, that they can't negotiate a particular section of their agreements, healthcare. Nobody seems to know if that is a power that the state has. Do you, either of you have an opinion on whether you have that authority? The legislature through the normal legislative process could change the nature of collective bargaining between teachers and school boards. These kinds of decisions typically go through a lengthy, exhaustive process, bringing labor management and other interested parties together to see if that's an advisable thing to do. Right. And like many of the elements of this particular proposal, policies which are decades in the making are being asked to be reconsidered in essentially a week and a half. That is the fundamental struggle, but that would require a statutory change. And I'm not sure all of your viewers are going to appreciate, this is a $1.5 billion enterprise, K-12 education in the state of Vermont. The legislature should evaluate the proposals brought by the administration, and we're committed to doing that. But to do that evaluation in four or five days is an effort that I'm not sure voters would want us to try and squeeze into such a condensed time for, I mean, how could we possibly do that? Right. Well, it undermines the voice of Vermonters, too, because one of the things we pride ourselves on in Vermont is really having a human-scaled government, a human-scaled democracy where people can just walk in the building, hang their coat up right next to any committee chairs, and sit in on committee. You can't do that in a lot of legislatures in state houses around the country. Right. And people can come in and say, hey, I'd really like to testify on this issue. You know, I have constituents coming in tomorrow for an Act 46 discussion. Yeah. And to, but all of that takes time. Right. To be able to give that time to Vermonters that is due to them so they can participate in their government. And to have a proposal on the table that would require us to silence the voices of people that would like us to, you know, to listen to their perspectives from all over the county in all of the many diverse educational settings and communities that we have, I think really undermines democracy. Yeah. The second legal question, again, is the Brigham decision, which the Supreme Court decision required that education around Vermont be substantially equal. And under Governor Scott's proposal, well, first we should say the statewide average pupil cost is about $19,000 right now. But there are some schools where that's lower, some schools where that is higher. And Governor Scott's plan would lock each of those schools into where they are now essentially forcing low spending schools to remain low spending schools and high spending schools to remain high spending schools. Do either of you have a concern that his proposal would violate the substantially equal ruling that is required here in Vermont? For me, I think the, it's an open question about the constitutionality. I think that the element of the proposal that raises the most concern on the equal opportunity front is that if some communities have the capacity to raise an additional 5% on their local grand list, that others do not. You're right off the bat, you're creating an inequity for the students who live in those two communities. And Bennington's grand list is certainly different from Burlington's grand list. That's right. That's what got us into the Brigham decision in the first place. And, you know, in the six towns that I represent, there are vastly different capacities for raising money in those communities. And again, it's not a question that can be answered in, you know, the few days that we would need to all act in order to set communities in a different direction. Yeah.  Governor in a budget address lays out a kind of a big vision. Legislature reacts right now. You have divided government. And so there's a tendency to pit it as Republican governor, Democratic controlled legislature. And in truth, public education in Vermont has been a nonpartisan issue for all of these years, largely because it's locally controlled. And then here we are descending on these issues. One of the concerns that I have about the politicization of this is it avoids one of the real questions about how do we actually manage our expenses better in the K-12 education system, which both the legislature and the administration have a strong interest in. And the proposal as it stands today would actually treat equally districts that are poorly managed and districts that are very well managed. And it's that blindness or neutrality on proper management and poor management that I think leaves much to be desired. Yeah. So bottom line, are your bodies willing to tell local communities that the state is, that they must follow what the state says? I don't know that missing answer. I think, you know, we talked earlier about saying, look, until the law changes, you need to follow existing law. Right. And we've already started hearing from school boards, from community members saying, well, wait a minute, you know, we can't shift gears this fast. Our budgets are already, you know, the warnings are already at the printers. We're already, we've already had votes in community meetings. And it's asking a lot of people to shift gears very quickly and not give time and due process to something as significant as their children's education. We have, as Tim said, it's $1.5 billion that's being managed by, you know, what, 1200-ish, give or take? School board members across the state and to take $150 to $200 million worth of expenses and dump it into an education funding system that I think still needs quite a bit of work. I think we need to fix the foundation of education funding first before we go dumping a lot more expenses into that and potentially onto the backs of taxpayers. Right. In the Senate Democratic Caucus today, which met and includes 23 of the 30 members of the Senate, I would say that there was a great amount of resistance to moving to this May 23rd vote and putting a halt to everything in operation. But then the conversation shifted to a second question, which really underpins all of this, which is, does the Senate want to impose a cut on every single school district in the state of the month? And I don't, I didn't hear a lot of enthusiasm for requiring every single school district in the state of the month cut their spending. Yeah. And that's, so we don't have a, do we have a determinate, a determinate of answer at this point? No. But I would not say that it was something that people were really looking forward to support. And I would say I've had a similar response from a bipartisan group as I've had, you know, we've had, I've had some, I've had Republicans come up to me and quietly, very quietly. Yeah. Because they don't want to speak against their governor. Quietly tell me, I've already heard from my X number of schools that they can't possibly do this. They have to take this back to their constituents too. And, yeah. People get very touchy about the local control issue. And I think it's a, it's a, it's a great sound bite until people start really start understanding how much of an overreach this is. That it will end up drastically increasing your property taxes or jeopardizing and or jeopardizing your kids education. It's, it's probably not as as clean as the sound bite suggests. Okay. The governor's chief budget writer told the House Appropriations Committee there is no plan B right now. This is it. Does that mean that your appropriations committees will get to work on creating a plan B? They're the governor. I'm sorry to interrupt. And I'll missy having been the chair of a budget committee all these years. I'll just say I've been now in the Senate under three governors and each year through the inaugural address and our state of the state of the state address and the budget. A vision is laid out in certain policies. And every time the legislature responds favorably to some, not to others. And then you spend the next five months working with the administration to get to the finish line, which has happened. Every instance, but one when the legislature vetoed the governor Douglas budget on the end of his 10 years. He doesn't know. Yeah. And so I'm confident that although there's no formal plan B, if you will, that collectively will work together and get to a place where people in Vermont are held harmless from each other. I assume you would agree to share that. Yeah, we have, you know, the, the budget goes for people that don't understand the process. The governor proposes and the budget comes to the House. So the House and the Senate are each working on it. The House then amends the governor's budget to their proposal passes into the Senate. The Senate makes further amendments and then three parties all kind of talk and see where there's common ground and where we collaborate, where we compromise. And, and, you know, Vermont's Vermont's had had a really good track record of working together across party lines passing balanced budgets and. And Senator and I are not going to, are not going to let that, that track record slip on our watch. Okay. Well, we've spent the majority of our time discussing problem areas. I have just a few minutes left now. Maybe you can tell me about areas of his budget proposal that that you agree with and you would like to see move forward. I'd say the affordable housing piece is something that's really important in this state to for a whole variety of reasons. We, although our homeless rates have dropped. The fact that there are still homeless people homeless children is unacceptable. And so looking for more safe secure affordable rental housing, preventing homelessness, providing more home ownership opportunities to get home buyers into homes where they can invest in their future and start building equity for themselves. I think all of those things help to really create a strong, healthy future for Vermont. And so, so there I look forward to, to working with the, the governor's proposal on affordable housing and something that we've started quite a bit in the house and I'm glad we have a partner in that. And that proposal to be clear is $35 million in bonding in partnership with the Vermont Housing and Conservation Board to create low and middle income housing. Yes. Which we do have a crunch in this state. Senator Rash anything. Well, in addition to the housing, which I think is housing at all income levels has been a real concern both in the house and the Senate. So I'm glad to see such an emphasis on that in the budget. Two other areas that say one is the rural economy. I talked with the governor prior to his swearing in and members of the Senate have been speaking out about this as we approached January saying that we needed to reemphasize economic growth in areas that don't easily attract the high pain. Employers. So that is a particular place of common interest. The second is the movement about more dollars in the substance abuse treatment. We've made a lot of great strides, particularly relative to other states, but we are far from having a system that allows everybody who wants treatment and is ready for it to get it close by to their home. So additional resources there in some of the programs that help get kids through the very difficult family struggles that they're having. I think are all very commendable and we'll find a lot of common ground. All right. I have just a few seconds left. Are we going to be able to get you all out of this building in early May? Question isn't whether we'll get out of here in early May is will we be coming back as a result of our president in the fall. A whole topic we did not have time to get to, but there could be a major funding crunch coming from Washington, which could drive you all to come back this fall in a special session. Agreed? Yeah. Yeah, absolutely. All right. We are out of time for this week. So I thank you for joining Capital E on behalf of the Vermont Press Bureau, Orca Media and Vermont PBS. Thank you, Speaker Johnson and Pro Tem Pash. Thank you, Neil. Thank you very much.


Difference between say, tell, and speak from EspressoEnglish.net. Tell, present, and told, past mean to give information verbally to a person. Tell and told are always followed by a person. Me, you, him, her, us, them, John, Jane, the teacher, etc. For example, tell me about your trip. I told you not to eat the cookies. You should tell her how you feel. He told everyone the story. The police told us not to worry. With say, present, and said, past, we can use the following sentence structures. Number one, say something. Francis says the store is closed. Number two, say that something. I said that I wasn't interested. Number three, say to someone. What did your parents say to you? Number four, something a person said. Nice to meet you, Harry said. Don't make this common mistake. He said me that he had to leave. The correct sentence is, he told me that he had to leave. You speak, present, and spoke, past, with languages and with talking in general. No specific details. We can use speak with someone and speak to someone. For example, I speak English. Does Donna speak Italian? We spoke to the manager. I need to speak with you urgently. Remember, you say something or say that something. You tell someone something and you speak in general terms. Speak with someone or speak to someone. Visit www.espressoenglish.net for more English tips. If you like this video, please share.


I'm Charles Centio. I'm a Rackham graduate student studying health informatics. And my work is centers around improving chronic care health outcomes. Part of the reason why I was really enthused to come back to Ann Arbor as a student again is that I was familiar with the place. I've been back here. I had done my best to support the university and its environment. And I knew that I would be a part of that rich network again as a student. And I found that to be extremely rewarding. Being a Rackham student has afforded me the very easy access where I can very easily move between these disciplines and almost not even notice that there are divisions between them. I'm a Rackham Merit Fellow, which has made my doctoral experience extremely enriching. Thank you. I'm very proud to say that I am Rackham.


I never pictured myself living in the outback, but here I am and loving it. I think you'll have to handcuff and drag my wife out of the house and move in there for us to move. So a year and a half ago I moved out here with my husband after my first year of being on the Gold Coast. I think it's been pretty easy just to acclimatise to the country lifestyle. Regional policing is a very unique experience. Oh it's different in every aspect. So out here we are policing an area the size of Victoria, so you know when you're in the crew line you're pretty much here on the crew line. VKR this is Whiskey Charlie 300, you can show us proceeding. This type of policing forces you to think when you're feet. You can go from one day having a serious airplane crash to the next day dealing with a missing person to the next day actually having a violent offender. It does happen out here, you don't have the support of 15 other police officers around. You have to be innovative in the way that you operate when you attend jobs. From road safety and highway patrols to helping out mocks with cattle musters, search and rescue, we do get to help CIB with criminal investigation. You really have a lot of autonomy to be able to follow pursuits and interests that you have. Because we live in the small town and we see in people it helps you become a better police officer. Out here it's a lot more community based, you know you can get out in the community and you can see that your work is being appreciated, you know people actually tell you that they appreciate you. Morning. Morning how are we? Yeah good. How are you going? To be a great police officer in the region you need to be able to communicate. I think that's the core of policing out in the country, you've got to have patience and the ability to take time with people and do a proper job. You've got to develop a relationship, you've also got to show that you're there when they need you and you can enforce the law when you have to be but then you're also a good person to talk to. What I love about policing and Charville is the ability to engage with the community.  Ten squats now. I've been fortunate enough to be involved with the Blue Life and the boxing gym is run by volunteers. There's a few police officers that get involved. We all go down there in our own time after work. You get to know the kids on their level, they don't see you as a cop or something, it takes the police right out of them. It really is an opportunity for us to build positive relationships with the children in the community. Just touching. I really enjoy my life out here. I love policing, I love living out here. I love the friends that I've made and I see myself being out here for a while. We're able to live the life that we always wanted to live. You never get this experience in any other job I don't think and if I had the choice to do it again I'd do it every time.


Good evening everyone. Our project is improving SBH's remote triggered virtual lab server and website. In my team, I have Devkanth, Deep, Rupesh, Ram who could not be here with us unfortunately, and I'm Shreya. So these are the objectives we'll be covering through the course of our presentations, admin features, health monitoring, bug fixing, proposing another architecture with load sharing and scalability, testing both architectures and the few other random features. Now, essentially, single board virtual system labs is a laboratory which is used in instrumentation control labs. Now, the three essential features of the single board heterosystem virtual labs is that the equipment itself is incredibly small and portable, which makes it handy for use in setup. Secondly, it's open source, which is a thing the entire program is trying to promote, and third and most importantly, it's remote triggered. Now, what remote triggered means is it overcomes the hindrances posed by the two alternatives. A, a physical laboratory where I actually have to be present to conduct the experiments and B, a pure simulation which can at best only model the real world and not represent it completely. Whereas in case of remote triggered virtual laboratory, you have an experiment been conducted on a particular equipment and only the input and output are streamed to the user through web browsers. We'll present you a brief demonstration of how a user is supposed to connect an experiment on our virtual labs. Now, first he logs in through his already created account. As the user is logged in, he's already allotted in MIT, so he can book a slot on that particular board on which is allotted. As he books a slot, he can go into the directory where the user files are there in order to, which have the codes in order to run the client code. This is the client interface where he logs in again, and then he goes on to this iLab and executes this file which enables him to conduct the experiment. On executing this particular code, he can actually see the video. He can, he sees the current board which he's allotted in order to figure out that the values return to him and actually current. He can also download the user logs which have been generated through his experiment. These are the logs which are generated when a user conducts an experiment. So, what we have incorporated in this project are some admin features which were not previously present. For example, the first one is a feature called, which includes making a board temporarily offline. Now, why was this needed? This was needed in case a board currently goes offline, but there are, suppose some users have been allocated that board, but the sensor is not working, so obviously we must take it offline. But what temporarily offline means is, it is as good as offline to a user, but it is online for an admin, so he can conduct tests on it, but the board will be shown as offline to the other users. And he can talk to the state when he's done testing. The second one is, in test boards, for example, there is an experiment ongoing right now. And the admin can actually monitor the experiment which is ongoing, the iteration, the heater, fan, and temperature values in real time. And for boards which are not ongoing, he can check the state of the boards, get the current temperature of the board, set parameters, or reset them. And in case the admin wants to check the state of all the boards, he can click on show all images to see the state of all the boards simultaneously. Yeah, so all the online boards, currently online in the lab, live webcam feeds of them have been taken, and they are auto refreshed every minute. The next feature which we have is the update MID. Now, some user has been allocated a board which, suppose, comes out to be faulty for some reason. Now, the user still has to conduct the experiment. So in that case, the admin can change the currently allocated MID to the one which has currently bearing the least load. For example, in the below, we can check that which machine has what load currently. And he can allocate a machine to the user which has the least load. And the next one is fetching logs. This is just a feature to make it easier for the admin to, like, the experiments which have been conducted before, he can fetch the log files of them based on a, when a stipulated time period. Now, we just gave today's date, so there's no results. Okay, good evening all. Up next, the feature is health monitoring. The health monitoring means we are trying to monitor the condition of the boards that are even used. Previously, the health monitoring script that was there, it is only checking the connectivity, not about the status of the board. It was only checking that the board is connected or not. But currently, we have modified it. It not only checks the connectivity, but it also tries to analyze its sensor, its fan and its heater are working or not. Like, means we are trying to send some specific values of heater and fan over a period of time and get the results of the temperature of the sensor that the sensor is getting. And trying to analyze those values, we are expected to get a value like inverted V shape. If it is not getting such a value, then there is some error and these boards are taken as temporary offline and a mail has been sent to the admin regarding that these MID are having these probable problems. Okay, this is a feature which we incorporated to automate the server maintenance and server setup as much as possible. Now, when the webcams are mounted onto a system, they are allocated a slash dev slash video path, which actually changes on reboot. So what we did was, we extracted some information about the device. For example, the kernel ID or the product ID. These values in the Linux kernel, they stay same even after reboot. So we wrote a script which extracts them and forcefully mounts them at specific dev parts so that even after reboot, we don't need to again manually set the boards. And one more problem which we encountered was, for example, we have designed a new architecture involving master slave architecture involving Raspberry Pis. Now Raspberry Pis do not have an RTC or a real-time clock. So syncing the time with the master server was an issue, but there's an automated script which runs every hour to sync the time of all the Raspberry Pis with that of the master server. Yeah, and to set up the server code on the Raspberry Pi, all you have to do is just W get a script and run it and it'll set up entire all the code dependencies and it'll be ready for production. So the existing architecture basically had a single server connected to a bunch of SBHS devices through USB Humps. Now there were two problems in the former scenario. A, USB Humps were unreliable. And B, if some error happened in the master server, the entire system collapsed. So we came up with a new architecture where you have a master slave configuration.  Now how does it overcome the defects of the former architectures? A, it is load sharing. So the load is shared between the master and the slaves and the master can no longer be overburdened. B, the Raspberry Pis have turned out through experimentation to be more reliable than USB Humps. And C, it is scalable. That is the number of SBHS devices connected can be extended as we want to. And if one of the Raspberry Pis fails, only the SBHS devices connected to that particular Raspberry Pis, that particular slave fails, and not the entire system, not the entire master of collapses. Next I'll be explaining how this master slave is working, actually. This is the master server with the database and the Django server. And an Apache gateway that is acting as a proxy gateway setup.  And four SBHS boards have been connected to each of them. And these are the client. And all of these R Pis are connected through LAN, through a switch. So whenever all the requests that are regarding the SBHS, like setting a heat or getting the temperature or setting a fan value, those kind of requests are directly proxied to these R Pis without affecting the Django server in the master system. And all the EYs and the website things are being directed to the Django server. And these are simply, from this, we can simply infer that during the experiment, the master servers remains unloaded. And each R Pis are handling four SBHS. So they also remain quite, they prove to be quite reliable. The database is centralized in order to stop inconsistency of data. There is only one database. And each R Pis is getting the data and storing in that one only. And for security purposes, what you have done is that other than IP of the master system, no one can access these R Pis. So I just have a very small thing.  No, sir. It collects data. And actually, they have in the vision that they want to replace this. It means these are SBHS devices, and they want to use more complex devices in the future, where there will be some computations in the server end. Server end. R Pis now are acting as a DAG devices, data additional devices. And in the future, the R Pis can also act as a node devices, which can actually compute some stuff which is required to be done on time. So essentially, the master server just acts as a sharing, task sharing machine. And the tasks are allocated to the R Pis. Task sharing, if I'm not wrong. You want to just put a task sharing or anything like that. So turning on and off, you can use a simple Arduino also there. It is not turning on and off. It is setting data. It is communicating with it. And also storing the log files and everything. Storing the log files in the local R Pis. Initiality is in local. In each one hour, a cron job pulls everything to the master server. So why it is not sent directly to the master server? Every time means every second one line will be created in the file. So it will be better to create the whole file because one slot takes you for one hour. So one experiment will be conducted in one hour. So the whole log file will go to one line. Each time one line, it may be some mess of data will be there or something. So these were the bugs which cropped up during our project time. And the first was the zero temperature problem where the board sometimes returned to zero temperature value, which we rectified by opening a new serial port in between the experiment. The second was a cannot connect to server message which cropped up in the client app, which happened due to unhandled exceptions, which we obviously handled. The second was when an initial slot is allocated to a user, there was a foreign key mismatch between the tables of accounts and boards tables which we rectified. And another bug which we rectified was the index out of an exception which arose when we were allocating a board to the initial user and there were no other users online. So we handled that exception too. And what it essentially was doing is trying to access an empty list, which we rectified. Second, we corrected the order in which the booking should appear. That is, in order of the most recent booking to the earliest booking that the user had done. And empty experiment log files, we removed the discrepancy that was created while downloading an empty log file. And we prevented the Arduino from, we discarded the result that Arduino used to send which caused a false in my data to be displayed. Yeah, coming to the hardware developments in this project. In the SBA just set up, we have on the client side, there is a silo script which runs on the background. There's a Python script which sends data, the heater and the fan values to the SBH's devices. Now the communication from the server to the SBH's devices occur over the USB channel. There was a problem with the SBH's board set up where there was a USB channel, there are five pins. Power plus, power minus, data plus, data minus, and a shield pin. Now what happens if you don't connect the shield pin to the ground? The shield pin is not directly shorted to the ground. All the noise that is coming over the channel will be directly implemented on the data signals, corrupting the data signals, and the SBH's devices will go out of the order. So in the layout diagram of an ATMEGA16 board, which is being used in the SBH's board, on the top right you can see the USB type B female connection board. The identified shield pin and the ground pins have been shorted together to avoid the problem. The problem that came earlier was there was a serial exception, and the SBH's devices would return no data while the data was being sent to the SBH's devices. Also another system that was implemented was an Arduino-based relay board controls. Arduino controls the relay boards, which switches off the devices when they were not in use. A script was written on the Arduino code, which accepts a string of command, let's say N01 or F01, which turns on and turns off the devices based on the logic that the next slot, if the next slot is empty, the device will be turned off. So it was required that our code was pushed to production because this would be used by the students of the Institute in the upcoming semester. So before pushing the code to production, we tested it for around one week, and we had a script which automatically books all the slots for all the devices and performs experiments parallely on all the devices. Now this script ran on for a week, around a week, with intervals in between. And after that, almost every feature we did was tested through the scripts, and everything is automated with minimum admin intervention. And these are a few challenges that we faced. The code that we initially had was Django 1.6, which had a lot of third-party dependencies, including database interactions. It uses South for handling database interactions, so we updated the entire project to Django 1.11. And the next thing was there was no proper documentation. So in order for future maintainers, we have written the developer documentation. The documentation for all the functions, methods, classes, whatever we have has proper documentation, which is available on the VLab site. And the GitHub repos has readme's with all the setup instructions and the setup script as well. You can just run the setup script, and the server will be up. So what we learned here was web development following an MVC-based framework. For example, Django. We learned how to configure Apache web servers, configuration, and batch scripting. Because detecting the SBHs, devices, and the webcams, they were all kernel events when they were put in and out. So that was an effective learning experience. And we learned the importance of extensive testing before pushing anything to production. So essentially the most important thing which can come out of this is extending this entire system to new laboratories. This we created and set up the single board heater system virtual laboratory. The architecture that we gave is load-shared and very reliable. So this can be extended onto other laboratories with minor changes in the server codes. Thank you.


Hello, I'm Mike McKee, the Bishop of the North Texas Conference of the United Methodist Church. At the end of February, there'll be a special call session at the General Conference making decisions about our ministry with gay and lesbian brothers and sisters that we have in our church, even beyond the church. While much attention has been focused on the General Conference, more attention has been focused on the ministry that laity and clergy in the churches in the North Texas Conference have been doing for a long, long time. What I invite you to do over the next several weeks is, of course, pray about the delegates and for the delegates of the General Conference. But more importantly, I'd like to invite you to reconsider your own ministry in your local church. What is it that you sense that God is calling you to do? How is it that God is inviting you to meet people whom you do not know so that you may introduce them to the God who knows them and loves them? The most important thing that we can be focused on at this time is our ministry and our mission to the mission field that we know as the North Texas Conference. So following the General Conference on February the 26th at its conclusion, the delegates will go home. Clergy and lady the next day, they will be involved in ministry in their local communities. There will be someone in the hospital who needs a visit from her pastor, someone who has heard a diagnosis that is life-threatening. There will be a family who will walk in the doors of the church for the first time the following Sunday after General Conference. There will be students who are looking for a path forward about their life of discipleship. Much ministry will still be taking place and will be needed. Let us focus not on an outcome, but how it is that we can all best live in to being the disciples of Jesus Christ that God is calling us to be. I'm going to invite you to join me in prayer for the delegates at the General Conference. I also want to invite you to be in prayer for the church. And by the church, I mean not the United Methodist Church, but your own local congregation about the ministry that you and your pastor share together, about the ministry to the community where you are and about how your church can continue to meet people where they are and introduce them to the God who knows them and loves them. Friends, following General Conference, there will be work to do.  God bless you.


Welcome back to camp everybody. We are on day two sitting in our spot that we have gone deep into the wilderness with our overland camper. So my lovely daughter over here, this is her second time being up in the wilderness of Colorado with us. And the first time she was really too little to appreciate it. She saw me catch a few fish, you know, we actually could not have campfires back then because of the firebands. But this year, you know, she is just getting into exploring and collecting and all that stuff. So it's a perfect time. And it's fun for mom and dad to, to just give her a list of things to accomplish. And then for us to see as well, do you have the list right here? Do you want to show everybody what you have accomplished so far? This is everything that you need to find on this trip, right? And today's a big day. We're going to knock some things out. So let's take a look at that chart again. Show us what you've seen so far. That one. Yeah, we got, we got a green aspen leaf. We're looking for a yellow. I think we just found a yellow this morning. We've found a pine cone. We've found a chipmunk. We've seen a mule deer. We saw a rainbow trout dead on the shore. Daddy didn't catch it. And we have seen, oh, wild flowers. So you are probably about halfway done with that list as we sit right now. Mom is coming in from her little mid morning hike. The sun is high. How are you feeling? Awesome. I also found, since we're talking about leaves, I overheard. So this is a green leaf that is changing into a yellow. It's starting to change. I mean, that's a cool one. That's kind of what happens in nature. So it starts out green. You saw yesterday, you picked the aspen leaf that was green. This one is starting to change into yellow. And then we got to find a like a straight yellow and a straight red. Yep. We're at the beginnings of fall. Some of these are literally going to be changing why we're here as the nights are getting cooler. So last night was awesome in the camper. It was perfect temperature. It was, yeah, it was perfect temperatures. I want to say it was probably like high 40s outside. But inside the camper, I had it set to 60. And I think we're running a little low on our first 30 pound tank for all y'all that are keeping up with the overlanding camper status and everything we got going on in here. Me and Steph slept amazingly in our bed in here. I'll show you guys how we had it set up. Probably my best night's sleep I've ever had up here. With the Tempur-Pedic pillow in the back had the moonlight coming through the window a little bit, but not enough to keep us up, man. Slept like a baby in there. So Amy was wearing it a little bit though and couldn't figure out why and well, we left her window open last night, but she survived. She had plenty of blankets and everything, but tonight we'll close that up. So part of this is like, how do you make it fun for toddlers up here? You know, she's used to being at home. We do have woods at home and stuff and she has swing sets and tree houses and plays outside a lot. But you know, she still likes to go inside, watch her, watch her cartoons. We're trying to figure out how can we do all these things outside of the house. And the scavenger hunt has been a great success so far. And also part of this experience is learning and acquiring new skills. So we are giving her badges. Badge duty is like my favorite.  Badge duty is my favorite. Okay. It's kind of like the little kid in me maybe, but I got these off Amazon guys. So if anybody is wanting to know where we got them. So this is the first one that she got. This is her road trip badge that she got right out of the gate. 12 hours. She did good. She did great, honestly. First day she got her little hiking badge. She says, let's go hiking. Yep. She wanted to go on a hike first thing in the morning while it was chilly. I said, okay.  Can we climb that? And I was like, okay, yes. So I helped her a little bit, but she got up there pretty much on her own. I was very impressed. So she went ahead and got her hiking badge. And then this one was from last night. She and I, the girls built a fire together without daddy's help. All you did was actually light it, but we built it, you know, we built it from what? The tender, the kindling. We got a scene from that. So we'll go to it. Those are good. I think a little bit longer though. Mommy's is perfect. Like finger size, something you can stack on top of each other and make a little house. One. Oh, good one, Amy. Okay. Perfect. Okay. I get the stick. Do you get pine cones? I like the pine cone. That's a good idea. She's on collection mode. I like it. Now, here's the rule. Here's the rule for this. I should be able to hold a flame to the tender for three seconds, take it away and then we have fire. The tender catches the kindling and then we go to the fuel. So you want to make sure you got enough kindling in there where you're going to be able to transition to the fuel locks. Oh, good one, Amy. I like that one. That one's good. That one's good. Good job. Oh, yeah. Look at that. Oh, that is going to light. Nice. These are kinder catches. Now let's see if your kindling catches on fire. After that, you're home free. Camp fire badge. That is so cool, Amy. That's a big one. Wow. Heck, yeah. Fire badge earned. Yay. Look at you. I got three. You already got three. And it's only been the first camp day. That's how you're doing pretty good, Amy. Yep. Give me a pat. Look at the spaces. Look at the silliest spaces. One of the things we wanted to earn was our knots, like a knot badge. Maybe we'll roll that in. So she needs to learn a knot. We need to set up a hammock here. We're going to set up a tarp so we'll have some shade for the hammock. And then also, we're going to build a little tripod here. And we'll set it over the fire and we'll use our sticks that we're going to build. Anyway, lots of adventure. So let's get to it. All right. Okay. Amy, you ready for your first lesson? All right. We're going to learn how to hang things. Why don't you get in the shade? So I know you've been getting over hot. So I got your backpack right here. We're going to learn how to hang your pack or hang other things. First thing you need to find is a little stick about the size of your, well, your thumb. About the size of your thumb. About the width of your thumb. About this big. Something straight. Can you find something about this big? Let's go look for a stick. Can you find one that's sturdy? There's lots of little sticks around here. How about this, dad? Is this good? That one's pretty good. Maybe a little bit wider. I would say hands width. You mean longer? Hands, uh, yeah. Just a little bit longer than that. Okay. How about this? Isn't that strong? I think that one's all dried out. It's pretty good. Okay. Oh, wait, wait, wait. Look how big this one is. Oh, there we go. This one good? That one will be good. We'll just clean up those little knot parts on it. Okay. Okay. All right. You got it. You got your stick. All right. So sticks about the size of your thumb. About the thickness of your thumb. And it's wider than your hand, which is good. Okay. All right. Now we're going to use that. That's going to be called a toggle. Toggle. That's a fun word. A toggle. A toggle. Yep, a toggle. Show the folks at home. So first thing you're going to do is wrap the rope around the tree. Okay. Now let me try to do about this height. Let her put it through that hole there. Okay. Is this, come on over here. Stand right here. This is perfect height for you. Okay. You want to do it about head height. Hold on with the stick. First, put the stick down for a sec. Put the stick down for a sec. Okay. First, you're going to take this end and loop it through the hole. Can you do that and pull it tight? No, not with the stick. Let's take away the stick for a second. We got the stick. Put this end through the hole and pull the rope tight. Okay. Yep. Hold it. There you go. Now pull that through and now pull it tight. Pull it tight on the tree. We'll get it up a little bit higher. Now pull it tight. Hold, pull, pull and move it around. Yeah. Perfect. All right. Now is it going to fall when you let go? Nope. Nope. I don't think so. It's up there. Okay. So that's object number one. Object number two. Attach the toggle to the string and you want it to be about chest height for you. Okay. So we're going to take our two fingers and we're going to make a bunny ear. Okay. Then we're going to take these two fingers and go through around and make two more bunny ears. And the stick goes through the bunny ears. The stick goes through and we're going to pull that tight. Okay. Okay. All right. You want me to show you one more time? Okay. Look at mom. Camp counselor mom up here. Take our two fingers and make one bunny ear. You take these two fingers. Do it with me. In. No, no, no. We go inside first. Okay. Can you go inside? Now open your two fingers and go around. Yep. Yep. She's got it. Pull that in through. And pull these two. There you go. There you go. Now you made those two bunny ears. Let go. Now you made two bunny ears. Put that stick through there. Can you put your stick through those two bunny ears? Okay. Now pull this. Pull it tight and pull down on your stick. You want to make sure that it's right in the middle. Uh-huh. Get it stick right in the middle. Oh, that looks pretty good. It's like it's going to hold. All right. Now how do you get your backpack on there? Where's your backpack? How would you hang your backpack on that toggle? Do you think how to do that? Just think back to your tree house and your bucket. It's super heavy. She does have her water bottle in there folks. Oh, yep, yep, yep. There you go. She did it. Now is your backpack hanging? Yeah. So those creatures on the ground aren't going to get into it and it's not going to get all soppy from the wet ground. So now you come to your backpack and it's not going to be on the ground. Yep. And you can get in there and get your stuff out. Water bottle, flashlight, shade, headlamp. All right. All right, Emmy. So you just earned a knot sticker and you're one step closer to earning your base camp badge. All right. So we have to do what to do to get the whole badge? So that was learn knot. So that was a whole setup right there. Yeah. That's almost a camp badge itself, but she's going to help me fly the tarp. Fly the tarp. And then hang the hammock. And I mean, you have your your backpack on the tree next to it. You got a camp. Good job, Emmy girl. You feel confident? Yeah. High five. If you could do it again. No, you couldn't do it. High five though. Good job. Got to make it fun, quick and snappy. That's that's key. Okay, tarp time. I'm going to do this rope part because it's a little difficult for a four year old, the stage, but we learned the toggle and we're going to be building on this knowledge as we go. Okay.  And then we're going to run it to the other tree and tie it off. Okay. We're going to run this, this in. And I've got some, some plastic loops, some plastic loops on here that we're going to be putting the tarp on. Just set those in the middle for now. I'm going about head heights. Head heights? I can't right there. Oh yeah, you found some glass, didn't you? Okay. And then I'm going to tie a trucker's hitch. Not really tight. This is not tight. That trucker's hitch tightened up on itself like that. And now we're going to put the tarp up. We're going to put it over the line, like a diamond shape in this corner and the little bank lines that I've tied on here. Just going to put that toggle through like we did with the backpack. Slide that down. Same thing over here. Now our tarp is tight. So we can come out here on the sides, tie this down with some stakes and some rope. And you got a little house. You got a house and some shade and some shade. Which is really important. And then we'll just take the hammock and run it underneath. So I need you to help me stick down these sides. Okay, Amy? All right. I needed a little stick, amount of toggles. You're good at that. Yeah. Did you find a little stick? A thumb-sized stick. That one's just having a lot of fun. All right, Amy, bring me that end, that corner. Bring me that corner right there. The corner piece, the very, very corner, triangle corner. Yep. That triangle corner right there. Perfect. See what that'll read. Hold that corner for me. Your camp badge is on the line. Uh-oh. I'm counting on you. Go. All right. We got one side. Got it made in the shade. It's pretty cool. I think any four-year-old would like this sort of thing. Yeah, it's like a little house. Like they're a little house. Amy loves building her own little houses out of pillows and blankets and stuff at home. So now we'll get the hammock in here. She can hang in it. Daddy left the sunglasses in there. Oh, daddy was napping in there. We got a full bug net. Best hammock purchase I've ever made. Where do you think about that now? It's a nap ready. We finally got some shade. Got shade. You got shelter. What do you think? You want to sleep out here? It's going to be chilly. It'd be chilly. It'd be a little chilly. Yeah, I bet old, uh, was it pink foot? Well, pink foot will keep you warm. It's like her version of Sasquatch. Can you place me under the hammock? I can. I think you have officially earned your base camp badge. It's the base camp. She's got a shelter and she's got essentially, you know, places to sleep. Yeah, we'll do the, we'll do the pot hanger later. But yeah, you gotta adapt when you feel like there's maybe a lull. You gotta keep it snappy. It's one of the keys. All right, Amy, it's time to go put your base camp badge on your backpack that's hanging on the tree over there. Yay. So you helped daddy with the tarp and the hammock and tying it off. So that's the base camp badge. This is your base camp badge. Daddy, you want to get a good look at that? Look how cool that is. Oh yeah. It's got a little tent. Mommy did good. It's got a little tent in the mountains with some pine trees. There's a little tent and there's your fire. So this is your base camp badge that they're camping at the base of the mountains. There you go. It's awesome. Wow. It's filling up. It is filling up. You got four badges. Good job. You're going to be four on your birthday. You're about to be four. Heck yeah. Okay.  Yes. Good job. Are we successful? Oh, we didn't find any blue or green river rocks now. Were you successful in catching a fish? I was not. Okay. Two failures. I had one bite. All I've had is bites from these darn fish. I'm on a full commit. It has been hot. So maybe that has something to do with it.  So our little camper fell asleep. So it's up to me and OSG to complete the last bushcraft task of the day. Never could find any river rocks. We did see some yellow leaves and we saw some orange leaves too. Still on the hunt for those red leaves. Still on the hunt? It might be a little too early though. Stay tuned for the completion of our scavenger hunt and badge earning. I guess you could call it. All right. So what I did was I took some, some sticks, some trees. These are felled trees. They had already fallen from whatever storms. I did not cut these trees live, even though they are green. They were, I found them on the ground. So took some cordage and did a little wrapping up top. And then we've got a little pot hanger for our kettle that we're going to be cooking. What are we cooking tonight? Burgers or a pork? Pulled pork, salad and some beans. Okay. Pulled pork in the kettle. Are you sure it's going to be strong enough? It's pretty heavy. Let's test it. Food's not even in here yet. Okay. Don't lose tension on that string. Oh yeah, it's going to be pretty good. Pretty good right there. So if you need to go up higher, you can adjust this or you can just do another wrap around.   All right, turn around. There's a two. That's a whiskey. That's a lot of whiskey. She is over there. Hey, Rox, you did today, huh? That deer is legit going for the baked beans. She smells it. I've never seen, man, I need to light up a pot of beans at deer camp this year. It could be what calls them in. I think that's what started it. Well, y'all, another adventurous day. I'm going to sign it off right here with a deer behind me trying to get to our baked beans. Insane. We're going to finish with our pot. We've got our pork on there. So we're going to have pork and beans for dinner. And we got to continue this scavenger hunt. But today was awesome. Emmy learned a lot of great stuff. OSG even learned a few things as well. And it's just awesome being up here in the wilderness, guys. This week was actually going to be the first week of Emmy's pre-k school. But we decided to take her up here because there's a lot of life lessons to be learned in the woods. All right, hey girl, you got to get out of the beans. For real, those are my beans? Absolutely nuts, guys. Subscribe to the channel so you don't miss more of this action up here. I still got to do some fishing while I'm up here. So stay tuned and I'll see you on the next one.


Welcome to the Rich TV Live podcast. Today we're going to talk about the hottest stocks of the day that are trending and moving that you need to put on your radar and put on your watch list.  So interesting, the MACD did give a buy here at 67 cents and it went up to 85. So we'll definitely keep them on our radar and keep them on our watch list. AGBA up 112% right now, the biggest mover of the day for us. BPTH, another big pre-market gap up, followed by three large candles. Two went up and one came down up 69% of the day, BPTH. TIRX up 69% huge pre-market gap up and then this massive God candle followed by a big retrace. So you can see the MACD did call the buy here and they were correct. Me, here's ME, another pre-market gap up followed by a large candle. So this one is done well and the buy signal here on the MACD, which was correct and it has gone even higher. So these are the plays that are trending today, ISPC up 20%. You could see that the MACD called the buy and they were correct as well. So the MACD has been bang on almost every time and these are the trades that are making news today. Here's micro strategies having a bounce bag day because Bitcoin is bouncing back today. So Bitcoin related stocks are bouncing back today. Coinbase up 5% today, Mara up 6% today, Solana up 5% today. So anything Bitcoin or crypto or Coinbase or anything related to that is doing well today. I went through my stuff just wondering how I found it without it. Okay, so I need to shut the water off, I just want to make sure it's home and I can put it in. Do you want me to do the video or anything? I am, but just do your thing. I'm going to just keep doing it by the way. The bathroom's over there. So you can just help yourself. Probably need bathroom access to your master bedroom as well. Yeah, this is a master bedroom. Okay. Yeah, just help yourself with everything you need. Just let me know. Okay. All right. So this is Solana up 5%. Here's UAL United Airlines, which I told you had a really good day yesterday and a really strong earnings report. They continue to go up higher, up 4% on the day. So keep your eye on United Airlines. Here is the Fidelity Bitcoin ETF having a big day today, they're up 4% today. Here's the grayscale Bitcoin ETF, they're up 4% today with Bitcoin bouncing back. Here is the BlackRock ETF today, they're up 4% today. So lots of movement here on anything Bitcoin and Ethereum related. Here's ETHE, I believe this will be the Ethereum ETF, they're up 2% today. And then Bitcoin up 3% today. I'll get back to Bitcoin. I just want to go through the whole chart. Here's Meta, they were under 500 yesterday, but they're right back over 500 today. Ethereum was under 3,000 yesterday, they're back over 3,000 today. And then American Airlines continues to go higher as airlines are starting to do well. Here's NVIDIA, they had a really big, rough kind of start to the week, but they're having a bounce back day up 2%. Here's Barrett Gold, top in-class gold play with a dividend, they're up today, AMD finding a bottom, they're up today, Reddit finding a bottom, they're up today. So almost everything that we were watching in the green today, the Dow Jones is also in the green today. So good to see the Dow Jones in the green after a rough week, Netflix in the green, S&P 500 in the green, Google finding some green, and Amazon finding green after big red days yesterday for both. The NASDAQ 100 is also green, and then the only thing really red in our list today is Apple, which continues to go lower on news that they are now behind Samsung in phone sales, and Tesla continues to lose and go lower. So this could be a good opportunity for investors in Tesla, in my opinion. Now let's just go back to Bitcoin real quickly. I must remind everyone that Rich TV Live is strictly for information and education purposes. Please do your due diligence and do your research before you invest in anything that we talk about or discuss here on the Rich TV Live podcast. All right, now Bitcoin had this crazy move here where a lot of fear started happening like a buy the room or sell the news event with the Bitcoin having really right around the corner, and we'll take a look at that real quickly, but look at how Bitcoin did a hit under 60 and then immediately bounce back, which is telling me there's a lot of buyers sitting there at 60. So I've been talking about how I think this is going to bounce between 50 and 75,000 until the fall, where we'll see Bitcoin go parabolic. But it seems like we might not even get into the 50s much. We might stay between 60 and 70, maybe 60 and 75, because there's a lot of buyers sitting there at 60. That's why when it hit that 59 mark, it immediately bounced back and then it tried to come down again and then it bounced back and now we're back to 63. So to me, that's very bullish for Bitcoin. This is the hourly chart and you can see how we've been climbing up, we're having a little bit of a pullback right now from 64, where we're getting a lot of sellers at 64, but eventually when those sellers get exhausted, we'll have the buying that's coming in. We should just rip right through 64 like butter. And let's just quickly take a look at Bitcoin having. All right, so Bitcoin having is one day, seven hours, 37 minutes away. And the block reward will be reduced from 6.25 Bitcoin per block to 3.125 Bitcoin per block. So that is going to be very bullish. This is always the biggest catalyst for Bitcoin is Bitcoin having. And we're literally less than two days away now, one day and seven hours away. So based on this, Bitcoin having should happen tomorrow around 4 PM Pacific, 7 PM Eastern. So we will be all over that and we will keep you updated on everything as it happens as far as the Bitcoin having is concerned. I'm getting all kinds of alerts that all kinds of cryptos are starting to bounce back today. So this is very good sign. This is very bullish for crypto. I think there was a buy the room or sell the news event that happened over the last week where a lot of investors decided to take profit just because they didn't want to get potentially stuck holding the bag if Bitcoin did drop. So we just totally understandable. But if you're like me and your long-term investor in Bitcoin and you understand the Bitcoin having and historical patterns, you have to assume that Bitcoin is going to go much higher than this. And that's kind of where my head's at. I could be wrong, but based on history, based on everything that I've studied, I believe Bitcoin is going to go much higher than these levels, but it's going to take some time. I believe you're going to see that explosion. Real explosion happened in October, but we might see it happen before that. I didn't anticipate us to have this huge move to new old time highs so quickly. So it's possible that we could see Bitcoin run even before that. We could even see a drop as investors take profits. We could see a lot of volatility. I believe until October, but I believe that in October, we're going to see this go to all-time highs. And if you look at the all-time chart, you can see here that we are trading in the all-time high region. So we're literally trading in this all-time high region between $60,000 and $70,000. And if we can maintain this, I'm very bullish on that because what that does, it tells me there's a lot of sellers that'll get exhausted and eventually they'll run out of Bitcoin to sell, which will take the price higher as buyers just continue to come in and buy in the billions, specifically institutions like BlackRock and Fidelity. So BlackRock, Fidelity, Grayscale, ARC, all buying Bitcoin on a daily basis and buy the billions. And that's why I believe we're going to see the price of Bitcoin shoot. The other reason why I think the price of Bitcoin is going to shoot, there's only an estimated 1.73 million Bitcoin left on exchanges. What's going to happen when all that Bitcoin is gone? When all of the Bitcoin that's on exchanges is sold, 1.73 million, where's the price going to go? Obviously it's going to have to go higher because then we're going to have to wait for people like me that have Bitcoin on ledgers to move our Bitcoin onto exchanges. And that is going to, in my opinion, take the prices much, much, much higher as people scramble to sell their Bitcoin and people scramble to buy Bitcoin because there just won't be any Bitcoin left to purchase. That is going to take it to a crazy level. And I don't think, like we're only eight and a half months away from potentially based on the amount of Bitcoin that's being purchased every day, potentially having a supply shortage on Bitcoin eight and a half months away. So I think that that is going to be huge. And that takes us right to the end of the year and into the start of 2025. All right. So that's what's going on with Bitcoin. Nice to see it having a nice day today. Obviously full disclosure. The owner of Bitcoin and Bitcoin related stocks. You can see Bitcoin really making a nice move now, 63,800. And remember, if you're not winning, you're probably not watching. We bring the winners, CEO interviews, breaking news, trending topics, and we bring it to you first. If you like these videos, please smash the like button, comment down below, share the video everywhere and subscribe. Okay. So the largest mover of the day today is AGBA, currently up 114%. So by BPTH up 66%, TIRX up 75%, me is up 43% and ISPC up 23%. So those are the biggest movers of the day that we are watching and we're tracking and we'll keep you updated on everything as it happens. If anything else crazy happens or any big breaking news happens or anything crazy happens with Bitcoin, we will definitely come alive and let you guys know first. All right. So we're at 63,800 on Bitcoin and that's what I have for you guys today. Thank you guys for watching and we'll see you guys soon.