And welcome to another edition of Business in Hawai'i. I'm Daelyn Yanagida, and we are broadcasting live from the ThinkTech studios in downtown Honolulu. If you want to tune in live, we are at www.thinktechhawaii.com. You can also sign up to get on our mailing list there as well. The theme of Business in Hawai'i is to bring you stories of local businesses by local people. And our guests share with us their journey to building successful businesses in our sometimes challenging business environment. In the ThinkTech studios today is Joni Tamayo-Wilson from Employee Benefit Consulting, LLC. Joni, welcome to the show. Thank you. I'm so excited to have you here. And I know that what you do is a little unknown, and a lot of people have a lot of questions. So Employee Benefit Consulting, what is that? Well, first of all, thank you for inviting me. I feel I'm very appreciative of this opportunity. Benefit Consulting is when we are talking to the employees about anything that they need to know about Employee Benefit. So there's some situations where employers are looking at finding out how to go about getting just medical insurance or even dental insurance on their plans, and also employees are trying to understand what does the medical benefit do for me, or what does another benefit like the dental or the life benefit do for me? So on our show, we talk to a lot of business owners, a lot of startup businesses, a lot of entrepreneurs, and they're piecing together all the little parts that they need to know about getting their business started, or maybe they're growing. So when would someone need a Benefit Consultant? Is it an individual thing? Is it for a certain size group? How does that go? Well, anytime a person wants to start a business, we would be there even from the startup. So basically, you can actually just give us a call anytime for startups to learn how to turn in all your paperwork into the state, understanding what are the mandated benefits that are needed when you start hiring employees. So that is another time when groups call us, or when a company is already established and they have employees already, and they may be wanting to enhance their employee benefit package. So they can call us at that time too, and we'll do a review of your employee benefits and see whether it is viable to get enhanced benefits for your employees as well as maybe looking at that to hire prospective employees. So say for example, I'm a startup business, I haven't built anything, say it's just me so far, I intend to hire some employees. What is your advice in terms of getting them started on an employee benefit? Well, I mean when you start off for an individual, depending on how soon you want to have employees with you, it'll start to be in stages. So then we can actually help sole proprietors or individuals go through all the paperwork in all the stages of what needs to be done to make sure you stay compliant as a sole proprietor with benefits. And then as you grow into adding employees, then we'll be there also with all the other paperwork and making sure you're compliant when you're hiring employees. I think what's wonderful is that you're there for the journey with a business owner from the startup and while they're growing. So you're scalable. And I think that's a wonderful relationship to build. I do know that a relationship with your broker is really important. Tell me about the business owner broker relationship. Well, I think it's more like over here, it's Ohana, of course. And when we're working or servicing or helping our clients, we consider ourselves part of your company. So we're almost like part of your HR or part of maybe you need some information on looking at prospective employees, like I said. So we develop our relationships from the very first time that you meet with us. And then we start to grow along with you. Any pain, any challenges that you may have, then we are there to research that for you and provide solutions, problem solving. So I know I might be stealing a little bit of your advice here, but as a startup, what are some of the triggers that I have to keep in mind as I'm starting my business and hiring employees? I mean, is there a magic number of employees and then I have to offer something? The state has certain laws about benefits. Right, so let's just start with- Free consulting. Okay, so if you first start as an individual, there's everything from filing your information for your company. And then the taxes, we would just make sure that you're understanding that there is taxes that need to be filed as well. But when you start to look at employees, and you want to start hiring employees, there are some Hawaii employer mandates that you need to offer to your employees. So the one of the mandates is the worker's compensation, of course. When you have employees, you're going to have to look into that. And that would be one factor. The other factor is what we call temporary disability insurance. And as soon as an employee starts from date of hire, then you need to have that, it's called TDI insurance. But then once you have your employees established, and they've been working for you for several weeks, they'll say that according to the mandate for the Prepaid Health Care Act for your medical benefits, if an employee works 20 plus hours or more per week or four consecutive weeks, then employers are mandated to offer medical coverage. So that's when you need to start looking into, if you already know that your employees are going to be working 20 plus hours or more, then you need to start looking into the different insurance carriers that are available here that are approved in the state of Hawaii that offer the medical insurance that you need to be offering to your employees. So is that what you help with? You do that legwork where you're calling the carriers and talking about starting up benefit plans? Yes. So depending on the size of the group, we have several carriers here that we go to get the quote or to get a proposal on their medical insurance, depending on the demographics of the employees. And so as a business owner, do I have any control over cost or... That's always going to be my concern. It's very challenging. It's very challenging for small employer groups and that's why we're here to kind of explain to them that because of these mandated benefits, the medical insurance has changed a lot in terms of premiums and rates over the years. And so for a small business, it is really going to be... You can't really have negotiation on the premium rates. So just for example, we turn in a quote to request from an insurance carrier for maybe five employees. And from that five employees, because it's a small business, they're going to take a look at the demographics, meaning the data births of the ages of all the employees. And from their insurance carriers, the medical insurance carriers will provide a quote based on those, and it is going to be based on age-based rates. So does it matter then what carrier I go to or...? No. Actually, it's more of a preference. You know, we have several insurance carriers here, but then it comes down to sometimes the employer's preference on who they want to go with.  So at what point am I able to have some ability to negotiate a benefit rate? That would be more closer to 50 employees or more or even higher than that. And that's when employee benefit consulting can help with the negotiations going forward on the premium rates for renewal period every year. So the bigger you are as far as an employer group, the more you're able to negotiate the rates with the insurance carrier. Nice. So as a startup business owner, I need to make sure that I have workers' comp, compensation insurance, temporary disability insurance, and then of course, if I have employees who work over 20 hours a week, the medical insurance.  Swish and reimbursement. I know, I wish. So again, depending on... That gives me a heart attack. Yeah, no, I know, I understand that too. But depending on the size of your group. Okay, so 50 and under, they are going to be offered, you have to offer medical, drug vision, and dental. And this kind of ties into, you know, you're complying with the Prepaid Health Care Act here in the state of Hawaii, but that also ties into the Affordable Care Act as a federal regimen. So that's for 50 and over? 50 and under. 50 and under, yeah. So the Affordable Care Act, I think that's on the mind of quite a few people, and I know that it's been called different things for the past few years. It's been called Obamacare, it's been called healthcare reform. And then of course, with the Trump administration wanting to overturn some of that, can you give us an update about where that is and if you have an opinion on where it's going, where it's going to end up? Well, first I can say that it has been, it just adds a little bit more, it's very interesting. To say the least. To say the least. You know, with the Affordable Care Act, what it does is it adds another dimension to looking at your medical coverage through employer groups. Like I said, we have the Prepaid Health Care Act here, which provides very rich benefit. And then because of the Affordable Care, or Obamacare that came on, then we're actually, our job is to look at them both, and we're actually looking at two different regulations and then finding out which one is the richer one. The most likely, a lot of it right now, is the Prepaid Health Care Act that is richer, but then there's certain laws in the Affordable Care Act that we need to be looking at too. Now, going forward every year ever since it started has been challenging again too, but what we've seen over the past is that they are trying to change certain areas of the Affordable Care Act, but really when it comes down to it for the Hawaiian employers, you know, we always go back to the Prepaid Health Care Act. For the future of the Affordable Care Act, I would say that it's more of just a wait and see because there's all these changes that wanna be introduced to the ACA, and then it's the actual really looking in the deep dive of when it becomes a final regulation. So there's gonna be gaps as it moves along, and then we're gonna have to compare it with the Prepaid to see where that all fits in. That sounds like it's gonna keep you very busy. Yes, very busy. I want to know all about employee benefit consulting LLC and of course how you found yourself in such a career, but before we do that, we're gonna take a quick break. So we will see you back right after that break. This is Business in Hawaii. Aloha, I'm Cynthia Sinclair. And I'm Tim Apachella. We are hosts here at Think Tech Hawaii, a digital media company serving the people of Hawaii. We provide a video platform for citizen journalists to raise public awareness in Hawaii. We are a Hawaii nonprofit that depends on the generosity of its supporters to keep on going. We'd be grateful if you'd go to thinktechhawaii.com and make a donation to support us now. Thanks so much. Thanks so much. Aloha and welcome to At the Crossroads. I'm your host, Tisha King. You can catch me every Wednesday, alive at five. I'll see you there. Welcome back to Business in Hawaii. Joining us today is consultant, Yoni Tamayo Wilson from EBC, Hawaii. Yoni. So many great tidbits for entrepreneurs, startup businesses, business owners to take away about some of the things that they have to do when they're starting to hire employees. My question for you is, how did you find yourself in this career? Is it something you go to school for? Do you choose to be a benefits consultant? How does that happen? Okay, so actually I started as an underwriter for a couple of the health insurance carriers here. I'm a numbers person, so I figured I can get into something like that, calculate the premium rates, look at the claims experience, look what the premiums came in, and then kind of calculate the loss ratio, then the rate calculations based on that, that's your premium rate. So that was pretty straightforward numbers. And then later on, I decided to move into the consulting side. And what I learned is that premium rate calculations are just one small segment of providing benefit to employers. I started listening to the employers and understanding the whole dynamics of how they're building their business, what are the challenges that they need to do. So it became more of understanding what is mandated that needs to be done for employer groups, and then also just expanding to see what else I can do to help employers make sure that they stay in business because of all of these mandates, because of all of the benefits that they need to offer, as well as looking at ways and solutions. So it's still problem solving, but ways and solutions to maintain their employee base. And so our thing is we're like a business to business company, and we want the employer groups to do what they need to do for their business. That's why they got into business in the first place. And so we would be the ones in the back office helping them understand how to move along with the employee benefits. And I find that, I have a passion for it now. I mean, it's really like I said, problem solving to find what they need to do, but then they just have to worry about getting their business up and going. Your strategic partner is what you are with the business to help them, to align to their goals because employee benefits is not just laws and regulations and what you have to provide, but you're mentioning enhanced benefits that really can build employee engagement, retention or a recruitment tool to attract great talent to your organizations, which is why I think what you do is such an amazing partnership between their broker and the business owner to help them align to their ultimate goals. Right, and I agree too.  And one of our other services that we do also is when we do the presentations for open enrollment, and open enrollment is when employees get a chance to change their benefits that they already have, and this is done once a year. What we like about doing open enrollment sessions is that, sure, you may have all these different medical insurance carriers, and sometimes the presentations you want to have is someone that's unbiased in presenting everything. And that's one of the best things to do when you're doing an open enrollment presentation is to provide all the information that you need to the employees on what they have with the company. But we kind of take it a little step further, and once we see what kind of benefits you have, then we kind of tell in the presentation how they all tie in. If you need your medical insurance, and then all of a sudden you're looking at that you have a supplemental product, like critical illness, how they all tie in, and what can we try and guide employees on maximizing their whole employee benefit package? So another value to me then as a business owner would be that you become a part of my team, of my brand, and then you're taking care of my employees by helping them to understand their benefits so that I don't have to fully understand them, and that you can go ahead and answer those questions. And especially since with medical benefits, it does become personal for a lot of folks who may be dealing with pre-existing conditions or what have you, which they may not feel comfortable talking to their boss about or their employer about. So at least there's you who they can have that conversation with. Yes, and we also open up our doors, and they can call us any time. So if there's any situations that they couldn't get a hold of an insurance carrier because they submitted a claim or something's wrong with their billing, whether it's employer or employee, we will be there to guide them along to make sure that the problem is solved. You have an amazing team at Employee Benefit Consulting, LOC. And I think we have a couple of pictures here of you and your partner. So your partner is? Michelle Rodriguez. Okay. And the both of you are here or? Well, Michelle is in Kauai. Nice. And I'm here in Oahu. And so ABC actually started with Ladra Eber in the 1980s. And Michelle and I, we have really expanded our services to be more, you know, to be a hands-on consultant with like I said, employers and employees, communicating all the benefits out there as well as any changes to benefits, compliance, and other issues that they may have with benefits. So I do know that there are a couple of other members of your team. And I think we have a picture of Mark here. Mark is well-known in the industry. Yes. We are very fortunate to have Mark Fukuhara. He started with us this year in 2019.  And he has brought, you know, a full experience and, you know, of his expertise. So it's a different thing. His expertise is unbelievable. Yeah. Unbelievable. And then, of course, you have yet another member of your team. So we have expanded, and this Jessica Mitchell, and she's our digital marketing manager and client service manager. Nice. So, you know, we've actually, you know, in addition to helping employers with their benefits, we have expanded to other services as technology is evolving to introducing clients and prospective clients to online benefit platforms, paperless management. So, you know, that's one thing that we are very passionate about is introducing the technology. Well, we've noticed a lot of employer groups. Everything is still paper-based. But as we move forward, technology is changing, and so we need to change along with it to bring all this information in the forefront of the employer groups to move them along as well. You know, I think another thing that goes hand in hand when you're talking to employees about their health benefits, of course, is something we call wellness. Yes. And that's, you know, taking care of the whole person. Of course. It's also beneficial to the business owner because you also need to try your best to manage some of that risk. And I do know that employee benefit consulting does a great job of putting out wellness programs. And I think we have a snapshot of something that went up on your social media, your hashtag EBC, makes Work Life Balance. Can you share a little bit about that? Our team really believes in Work Life Balance. Everyone works hard, but then everyone wants to play hard, or there's family that you want to be with. Communing time is challenging anywhere and everywhere. So that was one of our hashtags that we use in our Facebook posting. EBC makes Work Life Balance. And so we post information on anything that we believe will help you balance your life with work and even with personal life. So we just want to emphasize that as much as possible. There are numerous studies that show that happy people are healthier. They're more productive. And so I think it just, it makes so much sense to wrap up Work Life Balance to make sure that we're working hard, but we're playing hard and we're taking care of ourselves. Right. Any other ideas of trying to work on a Work Life Balance, whether it's working remotely, telecommuting, that's what we're really emphasizing because it just makes more sense nowadays, especially with the technology around. EBC also goes a long way to make sure they're balanced. And that is by giving back and doing a lot of community, getting involved in the community's sponsorships. And I think we have a couple of photos here. Why don't you share with us about this one? So Employee Benefit Consulting, we have been sponsoring some tennis events here in Hawaii for the past couple of years. And in fact, there's one of them is the night, Oahu Club night doubles, men's night doubles in June. Another one is the tennis championship of Honolulu. And then the one here, which was just put on there with the tennis fireball tennis, that was actually in one of the biggest tennis tournaments now here is called the Hawaii Open, which is in December. So we're getting ready for that. Oh, nice. And that's when the top 20 professional tennis players in the world come here to enjoy Hawaii, of course. But then they also get to play a match or a tennis match. Can I ask you, so are you playing? No, I'm just cheering them on and meeting them. But it's fun because then you know that they're engaged and then we're also engaged in the sports as well. And keeping people active, that makes for a healthy lifestyle. And finally, I also took a clip from your newsletter, which I'm sure is available to anyone who wants a newsletter from EBC Hawaii, but definitely promoting some of the community things that you do. Why don't you share with us? Sure. So the community care, in lieu of the four Christmas or holiday gifts, we've decided that we're gonna donate back. And this one here, the University of Hawaii with Gapsam, we donated to that fund for that. We've done that before, even last year, the year before we did another donation to another foundation. And then the picture over there was staying healthy, got involved, got my son involved. Yeah, we were at a king's run. So, yeah. I commend you for, of course, your business success, but you're bringing that back and sharing that with the community and promoting healthy lifestyles. I think it's just amazing the service that you offer to your clients and to anyone who is interested in learning about benefits. We do have about a minute or so left. I'd love for you to share with our viewers where they can find you, social media, websites, where can they find you? Where can they reach you, Joni? Okay, so we have our website, ebchawaii.com, and then we're also on Facebook, Twitter, and LinkedIn. So, check us out at ebchawaii. Awesome. Unfortunately, we are out of time, but I wanted to thank you so much for joining us. It's been such a pleasure to have you. I also want to thank the amazing production staff here in the studio for hosting us today. And if you would like to be a guest on our show, please feel free to email your information to shows at thinktechhawaii.com. Business in Hawaii airs every Thursday at 2 p.m., and we look forward to seeing you here next week.


The following is a presentation of TFNN. Trade what you see with Larry Pezzavento. Call now toll free at 1-877-927-6648 or internationally at<PHONE_NUMBER>. Now, Larry Pezzavento. Okay, folks, we're going to take a look here at the Treasury Bonds. By the way, you're wondering why I'm so bundled up here. It was 27 degrees last night. We have five inches of snow behind us in the mountains. Tucson looks like Switzerland with our four mountain ranges are covered with snow. It's really not an unusual event during January, but to get that much snow was quite a bit. And it came on very, very quickly and then left quickly. It was a remnant of a storm that was coming out of California. But we're looking at the Treasury Bonds now, folks, big swings. You can see here on today's action that we went all the way up to, we rallied from 21-18 up to 22, almost 123, which is the 1-2302 is a 382 retracement again from our purposes as a technical trader. That's where you want to be selling the Treasury Bonds. You'll notice that right above here is an ABCD pattern right here. And that is, you want to have your stop right above that because you've got to risk that distance here at 17 points, which is roughly $500. You've got to have your stop up in here somewhere. But to me, this is an ABCD correction in a bear market. Now what we're going to do now, we've got a couple of things that just happened here in the stock market. And let's just get one here with the Dow Jones right here. You'll be able to take a quick look at it. Now last night, just if you don't believe in ABCD patterns, folks, here was the action last night. You'll notice here that the Sunday night, here's where we were Sunday night. The market started right there is when Sunday night started. And it went all the way down and look at the low, 37474. And the low was 37470. It went four pips below the actual ABCD structure. And look what it's done now. We're up to the 61% retracement here. We exceeded the 382. Okay, we exceeded the 50%. And now we're setting right at the 61% retracement of the high that we made right back here. Now that is not the same high that we had back here. You'll notice this was a high was made back on January the second. And if you put that in there, you'll see it comes in exactly at the 50% level. So you've got two major ratios setting here, looking you right in the face. Now let's convert this over to the S&P. We'll come over here and we'll start out with the S&P. We'll just go with an hourly chart. It should be able to, there's what we want to see. And that's where we are. Okay, there's where we are right now, folks. As we speak, we are setting at 4771. It is a 50% retracement of the high from December 28th, which you remember Norm Winsky was telling us about that date. And it was very, very important date because we had a lunar aspect. I was, I believe it was a new moon. And what also was Ann Berkeley going retrograde at that time. And now the ABCD has formed right here. This is guardly plain and simple. You can't do this trade, folks. You can't do any of them. That's basically it might not work, but that's the name of the ball game. Your stop has to go above here. So you've got to risk about 20 handles. There's no other way about it because it moves so quickly. Now, if you really wanted to play short stacked, you'd have to put your stop 10 handles away at 4780. But we recommend using a stop of 47 of 20 handles in this now because it's moving so very much. Remember, we suggested selling the first 3A2 off of this high, which came in right here. That one certainly worked out pretty good. And the fact that we're here now, we're going to have some real exciting times with these markets. There's no question about it in my mind. We're starting to see it just about everywhere. I mean, it's just really great.  I believe, we were talking about it just before, but here's the pattern that we were looking at in the soybean oil. There, you'll see it right here. You'll see we had double ABCD patterns right here. I'll blow it up so we can see it very, very clearly. Much like this, there's your ABCD measuring to 4636. This one measured to 4646. The low was 4630. So here again, it went six pips or $36 below that level. It's now rallying 100 bucks or one full point, which is just $600. So you break even now with a chance to have some pretty good returns if in fact it does get that. That's all we're watching here and just looking at ABCDs and nothing spectacular. Just a little bit of this, a little bit of that. Now, let's just talk about the precious metals because we have had some big moves here in the gold market. Here's where we are. This is a 60-minute chart from where we were. You remember we got up here. This was the 61% retracement. We'll draw it in so you'll be able to see it. There was your 61% retracement coming in right here. There's your 1.27 expansion. The first rally back today in the gold market stopped, you know where, boys and girls, right at 2043, which was the 382 retracement. We rallied $18. You know the harmonic number in gold is 17 or 18. And that's where it went to. And now it's backing off just a little bit. So what we want to watch now in the gold is to watch to see if in fact we're going to test this one more time. The reason why that's important is because if you look at the 4R chart on the gold market, you'll see that it's bounced off of that key level here. We were looking at 2030. The low was $20, $25 lower than we rallied a little bit. So to come back and test this one more time might be a spot to looking at gold. But folks, one thing you have to keep in mind. You see this high that we made here after this low was made? This was, stop and think folks, this was done in four hours. It went 30, it rallied $41 an ounce, stopping exactly at the 61% retracement. And if that's the case, what we could be looking at is a move like this where you have an ABCD leg here and an ABCD leg right here taking you down to that magical $2,000. Frankly, I think we've got a chance to hold this level. But what happens here in the next 24 hours is going to tell us because we start going below here. We will be looking at a lower price than that just by doing some simple ABCDs because we know this rally right here was right at 382. You can see that.  So you'd be looking at several numbers down here below, right around 2000 or below 2000. So that's what we're watching at. This is the key level. No question about not only that, but the timing is key because we have this January 8th date that normally we'll be talking about here when it comes on at the break here. So those are a few of the things that we want to be covering this morning. I need to check the time. So bear with me here one second. And I want to get the old tf and n-clock up here to tell me that I've got 37 seconds left. And I want to share a really neat chart that we got from Tom Hougard. Then basically what this chart is you're seeing is a 72-week cycle. I'll talk about that when we get back. So bear with us here, folks.<PHONE_NUMBER>. Steve Rhodes started his trading career as a student almost 20 years ago. And the student has now become the master. Steve won the prestigious Timer of the Year award in 2018 and barely missed that mark again in 2019, finishing at number two for the year. An amazing accomplishment. Steve Rhodes is committed to sharing his techniques and knowledge with anyone who wants to learn. And he shares his vast amount of trading knowledge every day in his Mastering Probability newsletter. Steve's award-winning newsletter, Mastering Probability, is delivered every trading day with updates throughout the afternoon. Sign up for Steve's Market Newsletter, Mastering Probability, and you'll receive access to seven of Steve's educational webinars absolutely free. At TFNN, all our newsletters come with a 30-day money-back guarantee, so you have absolutely nothing to worry about. Visit tfnn.com and try Mastering Probability 30 days risk-free today. TFNN, educating investors. Are you ready to take your trading to the next level? Introducing Tom O'Brien's award-winning newsletter, Market Insights, your key to successful active trading. Tom O'Brien, renowned for his expertise in the financial markets, has designed Market Insights to be your daily guide to profitable trades. Tom publishes his daily Market Insights newsletter every market day before the market open, along with updates when warranted. Stay ahead of the game with Tom's real-time analysis and trade recommendations delivered straight to your inbox.  Ready to join the ranks of successful traders? Head over to tfnn.com and subscribe to Market Insights today. Don't miss out on this opportunity to supercharge your trading results. Market Insights comes with a 30-day money-back guarantee for all new subscribers, so you have nothing to risk. Don't miss out on this opportunity to revolutionize your trading game. Head over to tfnn.com right now to join the thousands of traders who have already experienced the power of Tom O'Brien's award-winning newsletter, Market Insights firsthand. TFNN, educating investors. TFNN has just launched their new trading room, the Tiger's Den, hosted at Discord. TFNN has been educating traders for more than 20 years, with live programming hosted by a variety of professional traders during market hours. And now they are expanding their reach with the Tiger's Den, available to all tigers and tygruses for just $1 for the year. There's no catch or added costs when you join our community of traders. In the Tiger's Den, you can look over the shoulders of Tom O'Brien and the other TFNN hosts while they analyze charts during their live Tiger TV programs and join an interactive trading community with hundreds of members exchanging ideas, interact with other tigers and tygruses as they share trading ideas, news analysis, and discuss the market action all trading day, even at night and on the weekends. The Tiger's Den at Discord is accessible on mobile or tablets as well. So it's always at your reach to sign up today and become a part of this educational community of traders just visit the front page of TFNN.com. Toll free at 1-877-927-6648. Internationally at<PHONE_NUMBER>. Folks, this chart comes from Tom Hougart, Trader Tom. And basically, if you'll look at these brown lines, these are 72 week cycle highs. All I did was when I got the chart from Tom, I just drew in the ABCD patterns that we see here because they were beautiful ones. I mean, just perfect. And we already know where it went to. 38,000 where it was the expected high.  And of course, a little bit lower than that right now. In fact, it's just made the 61% retracement like we talked about. So that's what we're watching here with this particular move right here. So let me get it out of the way right there. And then I want to reiterate where we've been here in the Dow Jones E-mini because there was the number right there. You can see the double ABCD patterns. There's A, B, C, D, A, B, C, D. CD leg is 1.27 expansion of this move right here. And it's also 1.618 expansion of this move right here. So in other words, you take this move, multiply it times 1.27. It'll get you to right there. And then if you go from high to low, the expansion comes in right there. We're trading at 37,720, I believe right now. We've rallied quite a bit today off the bottom. So that's basically a factor of the $15 stocks that are triple digits. That's really what we're paying attention to. So let's get back into the real game here and talk about a couple other ones that we want to be watching. We've covered the gold market. We've covered the bond market.  We're going to talk about the crude oil market because this was one that I just really, really thought was, and it did work out relatively well. But last night, we knew that this number right here, you could be able to see it. There's just 61% retracement on the long-term dailies right there. We already knew that. So what we were looking for is to see whether this would hold as 382. Well, it didn't. And the number was 7301. It came down and rallied back to break even. But what happened? In the middle of the night, for a period of three hours. Now, this is a 13-minute chart. So each one of these bars is 13 minutes. For three hours, it went up exactly to the 382. Right, look at that. 382, right on the money, stayed there for 45 minutes. And then, boom, down it came. Just gave up the ghost all that way. I sent the video out on this to hopefully alert some folks to see whether they would take advantage of it. I know some did, because of the fact that it was such a beautiful 382. And if there was a nice little ABCD pattern, we have to go down to a smaller time frame. We'll go to an eight-minute. You'll probably tell us where we are. And then we'll get it up here. That would be right. Oh, this is not going to be good, because I got to stretch it out. This is it right here. But it's hard to see because of the darn things. Doesn't want to, well, I'll draw it the best I can. So there's your A-B leg right there. There's your C-D leg coming right up in there. It's your 382. And then down she came. No A-B-C-D in here at all. It wasn't even close to an A-B-C-D. We did have a pretty big, big rally here. We rallied about a dollar a barrel. And the news, of course, is really bullish. You know, they're block blockading the Red Sea places and stuff like that. But the market's not responding to a bullish news. And that itself is a bad sign. Just like today, you had bad news in the Dow Jones. What did the Dow Jones do? It went up. So that's what we're paying attention to here today as we're watching this. So a lot of 382s last night, folks. This one we were sort of aware, quite a bit aware of. Of course, this is the natural gas that we've been watching. Here was the move here Sunday night. We rallied up here at 2 o'clock, 3 o'clock in the morning. We were making beautiful 382 retracement. And then, boy, down it came. And then look at the rally. We've had a really strong rally. Here's one. You have an A-B-C-D at the 382. It doesn't work. Boom. You're out of that. Now you're up at this level. So you've got to check to see what the retracement was. I'd wish these all worked 100% of the time, but they don't. And here we are sitting right at a 61% retracement here in natural gas at 2.846. So that is due for a sale, in my opinion, because we have got lower tops in here. We got some lower bottoms. This is basically a double bottom in this area. So we could go either direction from here. So it's not a clear A-B-C-D by any stretch of the imagination. So it's not a garly. It's just a retracement. So I think the better trade would be the one that we're looking at in the S&P and also in the, hold on one second, also in the Dow Jones and what we need to do, since we only have a couple of minutes left here, I want to get this straightened up and we'll see how these are going to be looking right now. And the Dow Jones one is still in the ballpark. It's all up a tiny, tiny bit. The S&P was a sale at, well, pretty much where it is right now. It's a sale at 71, and it's at 470. 70, the high has been 472.50. But that is a perfect garly, folks. Give me that 100 times, I'll win 80. But that's what you've got right there. It's a spot on, might not work, but that's what you have to do if you believe in Gartley's work on page 222, where he said, find the first A-B-C-D rally in a bear market and sell that one. He said, you don't have to try to pick a top. He said, just do that one. And that was it. He spent two full pages in that book describing that pattern. And that's why I named it the 222 because it was on page 222 in Gartley's book. Okay, we've covered the ones that I wanted to cover thus far. Someone's asked a question about the soybeans situation that we were looking at last night. I will show you. We were watching March soybeans, folks. But these were the videos that I sent out in the middle of the night or early in the evening, whatever. Here's March soybeans. We'll get the daily up right here. You'll see here that we were looking at this pattern right here, right at this level right here, at 1253, okay? Now the low right here was around 1253. It rallied a tiny bit and then it dropped 20 cents. And I said to everyone, look, I said, we've got a pattern in the soybean oil that is absolutely perfect. This one isn't because we're already below the double A-B-C-Ds. You see, you got two A-B-C-Ds and they didn't work. So why would the 618 work? Maybe it would have, but we're saying, let's go to the soybean oil. It had everything going forward, so we put the order in right at the D-point and it turned out to be okay. Now, sometimes it works. Sometimes it doesn't work. That's basically it. Some days it's chicken salad. Some days it's chicken with something else in it. And we all know what that's like. So we don't need to worry about that. When that one's all out of the books and we're in the soybean oil with our stop at breakeven, and so we have basically a risk-free trade going at that point. Now, in just a few minutes here, I believe we're going to have, oh, we got a whole minute left.  We want to look at Apple because someone's asked me and now it's back on everybody's watch list. Everybody wants to buy Apple. And there is where we are right now. See our 60, we were watching to buy it here at the 61% retracement. It didn't get there. I think it will. I think I still think we're going to get down here at this 179 level. This is what we're having today. 80 was the low. The high today was 84, so it's moved four bucks. This is really nothing more than this type of little rally here. Just looking at this on a 3A2, it can go all the way up to here and still be pretty various. That's 187. So let's take a break and stay tuned for Norm Winsky of Astro Trends. Gold Report As a precious metal, gold is still king. It continues to hold the most effective safe haven and hedging properties across the global major trading hubs of the London OTC market, the US futures market, and the Shanghai Gold Exchange. The Gold Report Tom O'Brien publishes his weekly Gold Report every Monday morning for subscribers, consisting of coverage of the XAU, HUI, GDX, the dollar, bonds, the South African RAND, as well as 25 different mining equities with specific buy-sell recommendations. The Gold Report New subscribers get a 30-day money-back guarantee so you have nothing to risk. Subscribe to Tom O'Brien's Gold Report newsletter now at TFNN.com Currencies, commodities, and bond markets are as important as ever right now with how they're driving the volatility in equity markets across the globe, which is why it's a great time to try out Teddy Kegstad's Tiger Forex Report. Teddy Kegstad breaks down the Forex markets every Monday using his 30-plus years of experience as a trading veteran of futures, forex, stocks, and options. Teddy releases his weekly Tiger Forex Report every Monday morning with coverage of all the major currency pairs, including the dollar index, the euro dollar, pound dollar, dollar Swiss, dollar yen, as well as many more, and he also has weekly coverage of the crude oil market and the 30-year T-bonds as they both influence forex markets tremendously. When you sign up for the Tiger Forex Report, you also gain instant access to Teddy's 60-minute webinar archive he just hosted, forex strategies, and fundamentals, what is behind the Tiger Forex Report. For all the details and to start your 30-day Tiger Forex Report subscription today, visit the front page of TFNN.com. TFNN Educating Investors Everything in the universe is governed by the Fibonacci sequence. This mathematical principle is responsible for everything from the most aesthetically pleasing artwork to patterns in the stock market. To stay on top of stock patterns you can take advantage of, sign up for the Fibonacci 24-7 newsletter at TFNN.com. When you subscribe, you'll get a weekly report from Veteran Day trader Larry Pezzavento on stocks you need to pay attention to, and you can trust Larry's analysis. After all, he's got 45 years experience as a day trader. Larry will also provide daily charts, videos, and data on the key markets that he's tracking. Expect notifications from Larry on market movement you need to act on at any time. First-time subscribers also get a 30-day money-back guarantee. If you're not satisfied, let us know and you'll get a full refund within 30 days of signing up. Subscribe to the Fibonacci 24-7 newsletter today. TFNN.com Educating Investors Don't forget, you can listen to TFNN live on your mobile device 24 hours per day. Go to TFNN.com and hit Watch Tiger TV. That's TFNN.com and hit Watch Tiger TV. Okay, we're back folks and I believe we have Norm Winsky in the house right now. Norm, and how are you? Good. Hello, Larry. Happy New Year. Happy New Year. Do you do? So why don't you go and tell us what we should do?  Don't you know it? Make it rhyme every time. There you go. Thank you very much. So I was flat. I thought I would do a quick review of when I was last on your show. That was on the 26th of the day after Christmas. That night, as you pointed out earlier, we had a moon event. It was a full moon in the sign of cancer. The moon is the ruler of cancer, so that's like a double emphasis. On the moon there with the moon in its own sign of cancer. And anytime we have the moon, we look at financials, grains, precious metals, and solar is ruled by the moon and cancer. So that's a double emphasis there on silver and oil. So we'll be looking at these charts in just a moment. Over the New Year's Eve weekend, New Year weekend, we had Jupiter turning direct. It's the opposite of retrograde. And that was in the sign of Taurus. You might guess that's cattle, because Taurus is the bull and also cut. Then we had Mercury turning direct over that same weekend. That's the grains, corn, soybeans, wheat. And keep in mind, stocks potentially respond to all events versus commodities respond mostly to narrow just one or two, a few things. Narrow filters. All right, here's the corn right on the full moon there. There you're right near that top there, just a penny or two off the high. And you had a nice top there. Our Mercury point over here, which historically has a high percentage batting average over many, many years. Been doing this since the green since about the 80s. That did not work. Same thing on the beans, they rallied there. Although the beans are kind of a mirror image rolling to the moon here in that they topped a day later. And the corn topped a day early versus the moon. But we allow one day tolerance for these things. So that's a winner. And the beans ignored the Mercury director also. The wheat also was good for the full moon. And the top was right there, just a penny or two off the high. And then just chop, chop sideways into Mercury. And so that's a pass. It's going sideways. We don't do sideways. So that was a pass. Here's cattle was going sideways. So that's also a pass. Cotton had a rally into our Jupiter point in Taurus. And that was a little bit of a short-term top there. Silver had a bit of a bounce up into the moon. And we gave that a double emphasis because the moon was in cancer. And so we get two points to the plus there. And you can see how it topped out there and had a pretty good drop a few days. Here's gold rally of two dollars a heat against you there on the gold. But then it declined just like the silver. And here's crude oil topping out there near the moon. The high was the day before, but you were close to the high there. So you could have sold there the high of that range and had a relatively small risk. S&P did make a top the next day after the moon. That was actually the high of the month. And so far the high of 2023, the high of that whole rally on the S&P. And then it came down. And then we had the two points there for the New Year's weekend. And that did not work. Here's the bonds going sideways. So we did nothing there. Here's the dollar going sideways. So we did nothing there. However, the four, some of the foreign currencies were pretty good. Here's your Aussie dollar. The moon was a day before that high there, before a substantial decline. Here's the British pound, just going chopping sideways up into the moon. Here's your Canadian dollar. That's a thing of beauty there. That was right on to the day on the high of the Canadian dollar. Here's the euro going up into the moon. And that day was the day before that high there. And here's the Japanese yen just going sideways. And Swiss franc all going sideways. So I made sure that I put all the major currencies in.  Would you agree with that? No question about it. Absolutely yes. It's, I don't know why it is, but it really is. Currencies tend to have sort of long-term trends. And they often start in January in a new year. And I think it might be just, I'm just going to rise now, could because a lot of these big companies decide the strategies for the year.  Just a guess. It's just a guess. All right. So adding up the green arrows and they track it. Adding up the green arrows and the red arrows. We got 12 winners, four misses out of 16 per 75% winners. Here's what, oh, I got one more thing to review for you. You get my letters. So you know this to be a fact. And I can probably find some more witnesses that this is in my letter every month. And I draw this blue line for the month. I'll allow Bradley. It's not the Bradley model, but some are similar to what he did. I started out with Bradley and then I think improved it. So I draw this blue line a month in advance. And then as we go, I overlay the S&P 10 minute bars on top. And here we have for the month of December, starting on the 4th of December and running through the 29th of December. I can see there, I think it's a fairly good correlation there. Did a pretty good job there. Yes, yeah. And here we go. And let's see. Oh, here's what's coming up, Larry. So let's see. This is the 8th, the night of the 10th. AC is after the close of the night of the 10th. We'll have a new moon in the sign of Capricorn. And that'll be, we'll be looking at financials, grains, precious metals, oil. And because it's in Capricorn, that's coffee. And then we, the night of the 11th, we have a mercury cycle. That'll be your corn, soy beans, wheat. And then the night of the 12th, line up for the 10th and about a dollar. And we'll see, any questions or anything from the tiger down there, Larry? No, so far, you've nailed it pretty good. They watched. Larry, are you there? Yes, I'm here. Can you hear me? Okay, anyways, I can hear you okay now. Okay, good. So anyway, I've been doing this. As you know, Larry, I'm sorry. You're doing very well. Keep up the good work. Thank you. So I've been doing this a long time. I started in the early 70s when I was in college there at Indiana State in Terre Haute and Larry's hometown. And there we go. I studied all this stuff, Gain and Elliott Wave and astrophysics and astrology. And I have a background in music and cycles and fibonacci and anything I could get my hands on there. One thing you're missing from the very important arm, you bought. What's that again? You bought the library from J.P. Morgan, Evangeline Adams. Oh yeah, Evangeline Adams. I own her library. I own Evangeline Adams library and also another even bigger astrological library by the guy who founded the American Federation of Astrologers. That was Ernest Grant. Wow. Hey listen, thanks for joining us, my friend. We're going to have you on. Stay again for another segment, okay? We've got a couple of questions coming in from Dan. So stay with us. Okay, great. Okay, Norm Winsky for it. We'll be right back. You might think that if you want to be successful at trading in the stock market, you're going to need a crystal ball. After all, it's impossible to predict the future, right? Like any endeavor in life, before you decide it's impossible, get some advice from the experts. You might find that it's not so impossible after all. For daily market overviews that give you direction on the key indices, selective stocks, and commodities, subscribe to the opening call newsletter at tfnn.com. The opening call newsletter is written by Basil Chapman, creator of the trading methodology known as the Chapman Wave. The Chapman Wave up-down sequence gives you an edge in identifying price turns, finding the peaks and valleys in stock prices.  First-time subscribers also get a 30-day money-back guarantee. If you're not satisfied, let us know, and you'll get a full refund within 30 days of signing up. tfnn.com. Educating investors. Are you ready to take your trading to the next level? Introducing Tom O'Brien's award-winning newsletter, Market Insights, your key to successful active trading. Tom O'Brien, renowned for his expertise in the financial markets, has designed Market Insights to be your daily guide to profitable trades. Tom publishes his Daily Market Insights newsletter every market day before the market open, along with updates when warranted. Stay ahead of the game with Tom's real-time analysis and trade recommendations delivered straight to your inbox.  Ready to join the ranks of successful traders? Head over to tfnn.com and subscribe to Market Insights today. Don't miss out on this opportunity to supercharge your trading results. Market Insights comes with a 30-day money-back guarantee for all new subscribers, so you have nothing to risk. Don't miss out on this opportunity to revolutionize your trading game. Head over to tfnn.com right now to join the thousands of traders who have already experienced the power of Tom O'Brien's award-winning newsletter, Market Insights firsthand. tfnn. Educating investors. B.D. Direction's daily S&P biotech three times, bull and bear ETFs. Visit DirectionInvestments.com slash biotech today. An investor should consider the investment objectives, risks, charges, and expenses of the direction chairs carefully before investing. The Perspectus and Summary Perspectus contain this and other information about Direction Shares. To obtain a Perspectus or Summary Perspectus, please contact Direction Shares at<PHONE_NUMBER>. The Perspectus or Summary Perspectus should be read carefully before investing. An investment in the funds is subject to risk including the possible loss of principal. The funds are designed to be utilized only by sophisticated investors such as traders and active investors. Distributor, Foreside Fund Services, LLC. What tools do you use when you're talking about these dates? How do you know when there's a full moon, when there's a new moon, and all these other aspects? Do you use an ephemeris or do you use a computer program? That's the question. I have a computer program. I understand it was written based on NASA formulas and where all this stuff is. And is that available to anybody? Oh, yeah. How do you get that? I got my computer program from, was originally a firm in Michigan called Matrix. Michael Irlewine, he sold, a couple years ago, he sold to a fellow, David Cochran, who has, I think it's, was Cosmic Patterns in Gainesville, Florida. You know, wasn't that named Blue Star at one time? Wasn't it Blue Star at one time? That Matrix was Blue Star, right? And then he went to Winstar. And then a couple years ago, he's almost as old as you are, Larry. Nobody's that old. Come on. And he decided to retire and sell the company to David Cochran at Cosmic Patterns in Gainesville, Florida. So you can Google that and you'll find them. You'll find them, Mr. Cosmic Patterns or in Gainesville. Norm, do you remember what happened with Neil Michelson down in San Diego with his program that he had Astrodata or something like that? Because I, he was my account when I was with Drexel. That is basically a publishing firm now. Yes. And his wife moved up to, I think New Hampshire. From San Diego? Yeah. What you do? Lose a sales contest? What's that again? Why would anybody leave San Diego? She must have lost a sales contest or something to move to New Hampshire, maybe she missed the snow. I don't know. Okay. One question, one other question. One other question regarding full moons and new moons. Are full moons as equal as new moons? I think they're, I treat them the same. You treat them the same. Okay. Most of the time, most of the time. But you know, obviously if you have a lunar eclipse, now lunar eclipses, solar eclipses are a little different than I think, at least for the stock market. The stock market definitely does not like lunar eclipses. It's not as high a percentage batting average on solar eclipses. Speaking of which, we're going to have a total eclipse, go over the middle of the United States, I think in April. April. I think it goes, matter of fact, I think it goes right over Terre Haute, Indiana, Larry. Son, we're going to have to tell my family there, my sister and brother-in-law and all my cousins and nieces and nephews to pay attention to it. They've never listened to me yet in all these years. I don't know why it would be different this time, but that's okay. Hey, listen, I want to thank you for joining us today, and keep those cards and letters coming in with this good work that you do. And we'll have you on again in about, I guess, about seven to 14 days when we have another lunar aspect. All right, we got huge stuff coming up about the third week of January, so it'd be great if I could be on on Monday the 22nd. Let me check with my coordinator here. I have to get through all the staff people to reach her. Oh, she happens to be free now. What day would you like to come on? You there, Norm? Well, most of the pressure must be... I'm here. Okay, what is the day you want to come in in January? Monday, the 22nd. Monday, the 22nd. Monday, the 22nd. January 22nd, we got the main man, Mr. Norm, is going to be on, so book it. You're on... I promise I'll have some huge stuff for you then. You always do, so keep up the good work. Okay, I want to wish everybody a happy, healthy, and prosperous New Year. Here's my contact information. I'm in beautiful Naples, Florida.<PHONE_NUMBER>. You can email me at an-yahoo.com or you can call me on Skype at the same address. Okay, now let's get up here, and we're going to... Thank you for joining us today, Norm, and I've got to get back to work here. The folks are screaming to see some charts, so I've got to put those up, and we'll talk to you back on the 22nd of January, okay? Yes, sir. Thank you very much. Thank you. Take care. Have a great day. Okay. Okay, folks, let's take a look at the S&P here. We are back to our level of 71 and a half. That was the area we wanted to be a seller, that little guardly right there. Now, the Dow Jones actually backed off for maybe about 20 minutes or so. That number was at 37,239, I believe, and it's at 3718, so it's nothing going on right there. The Treasury bonds tried to make that 382 again, as you can see here, but starting to back off a little bit, still nothing to do right there. The good part about this is the fact that we've got the... Soybean oil has just gone 100 points higher than our buy points today, so that's been a pretty good one. Oh, should review here the hogs, because the hogs have still been acting pretty good. We're up, this is the fourth day in a row, but hogs have been higher. So as you can see here, we have to start calculating because we have to measure from the last high that we had back here. We want to see what the 382 is, and there it is today, folks. We're within a heartbeat of it. 70, 97, we're at 70, 57 right now. That's also going to be a 78% level of this high that we had back here. So that's going to tell us that we should run in to some resistance here in the little piggies right there. Now, there's two reasons for that. You see that move right here? We always talk about how these markets repeat over and over again. Let's see how close this move right here was to this move right here. So we're just going to clone that and bring it over, shut the front door and raise the rent, and that's why we came down to this level here was such a good buy because it was a beautiful ABCD down here at 65, we're now at 70. So keep your cards and letters coming in on the piggies because they look like they're getting ready to make something really significant. We should go down to a smaller time frame to see if there's an ABCD here. There's what we're looking at. Here's a number that we're shooting for is right up here. So we're right in this ballpark. We didn't make a 382 here at all today. So we're going to be coming into some stiff resistance here in these piggies right about here. And I think it's within a heartbeat. There it is right there. It's already hit it, folks. There's a 78% level. It's hit it twice. So if I was long hogs, I would be getting out of hogs right here. I got out of mine here, but this is where you should be getting out of them. So that's what I would be doing and then try to buy them on a pullback, of course. So those are a few of the things that we're looking at right here. Remember, folks, these patterns don't work all the time, but when they do work, they work pretty good. That's the whole key to looking at. I see we just made a 74 handle in the S&P. So keep your stop working, folks, because there's still two hours to go in the day. And this could easily get up to this area right here because we're in that zone right here, 47-72. And Dow Jones just made back to the same level again at 37-73-1 at 37-72-6. So we're in this ballpark. Just for kicks and giggles, let's just turn on the AI program to see if there's anything telling us, oh, this has been a big jumpy day today. So we can see that it's had a bullish bias most of the day. What I would do here is I would move this over to see how close it comes right there. And then what I would do is let me get this over here. Stay with us. We'll be right back, okay? Stay with us. If you're looking for potential trading setups in the stock market, then Rocket Equities and Options Report is a newsletter you should try. Tommy O'Brien delivers options and equity trades when the markets present them using a combination of fundamentals and technicals. Sign up for Rocket Equities and Options Report today with a 30-day money-back guarantee so you have nothing to risk. For all the details and to start your subscription today, visit the front page of TFNN.com. TFNN Educating Investors. Everything in the universe is governed by the Fibonacci sequence. This mathematical principle is responsible for everything from the most aesthetically pleasing artwork to patterns in the stock market. To stay on top of stock patterns you can take advantage of, sign up for the Fibonacci 24-7 newsletter at TFNN.com. When you subscribe, you'll get a weekly report from veteran day trader Larry Pezzavento on stocks you need to pay attention to, and you can trust Larry's analysis. After all, he's got 45 years experience as a day trader. Larry will also provide daily charts, videos, and data on the key markets that he's tracking. Expect notifications from Larry on market movement you need to act on at any time. First-time subscribers also get a 30-day money-back guarantee. If you're not satisfied, let us know and you'll get a full refund within 30 days of signing up. Subscribe to the Fibonacci 24-7 newsletter today, TFNN.com Educating Investors. Along with updates when warranted. Stay ahead of the game with Tom's real-time analysis and trade recommendations delivered straight to your inbox.  Ready to join the ranks of successful traders? Head over to TFNN.com and subscribe to Market Insights today. Don't miss out on this opportunity to supercharge your trading results. Market Insights comes with a 30-day money-back guarantee for all new subscribers, so you have nothing to risk. Don't miss out on this opportunity to revolutionize your trading game. Head over to TFNN.com right now to join the thousands of traders who have already experienced the power of Tom O'Brien's award-winning newsletter Market Insights firsthand. TFNN Educating Investors. TFNN has launched the Tiger's Den. Hosted at Discord, TFNN has been educating traders for more than 20 years with live programming hosted by a variety of professional traders during market hours. The Tiger's Den. Available to all tigers and tygruses for just $1 for the year. There's no catch or added costs when you join our community of traders. Sign up today and become a part of this educational community of traders. Just visit the front page of TFNN.com. Okay, folks, we started the show here with Boeing Airlines. And we're going to finish it up here with Boeing Airlines. You can see this is an hourly chart going over the last 10, 12 days. We were coming into this week. This is an hourly on Friday. You can see we were making a perfect 3-8-2, just spot on right there. That completed the pattern, by the way. I believe let's just, oh, I'm sure it did. Well, I'm not sure of anything, but we'll measure it. Easily did it. Yeah, so we went quite a bit below it. Let's just see how far we went below it. Oh, it's going to be 1.27. So all I do is I come up and I change this to 127. And that tells us that we should be right at the low around that time. And there it is. That's why the beauty of these numbers are so great, folks. I learned these things from Bryce Gilmore. And someone also asked, why am I not on the program for the Foundation for the Study of Cycles? I've been a member of that place since, well, actually, before they did very much, because I had went to Pittsburgh to meet Gertrude Sherka, which his name had already passed away. But I wanted to know a little bit about it and stuff. And I got to be friends with her. And she shared me some stuff with Lunar Cycles. This is when I was working on the book for Astro Cycles. But they did give me some accolades back in 88 when I wrote the book Astro Cycles, a Traders' Viewpoint. It won a couple of awards. And it was one of the best sellers on Amazon. So I went down to the new offices in San Diego and gave a speech. And Stan Harley will tell you the story behind that. But it had a lot of fun. Paul Volcker was there. And just a lot of people. Martin Armstrong and a lot of other people that were there. But these folks that are giving these talks are very good specialists in that. Folks, I only know one thing, baby. I'm a one-trick pony. And that pony gets me to the finish line, not every time, but most of the time. And the name of that horse is AB equals CD. As Mark Douglas would tell me. So that's what we're looking at today. So stay tuned tomorrow for Mike Moore of More Analytics. Live every day in an attitude of gratitude. And may God bless.


The exam sheet that's coming, this new electronic sheet that's going to have your data on it that we're going to use from your existing information, is going to reduce the amount of time that it takes to process your exam worksheet. So will it change the results coming out from the end of November to three weeks after you take the exam? Likely not. But will it reduce the amount of time in the processing to allow for an earlier release of the results? Absolutely. What is that date? I don't know. This is going to be the first time, so we have to see. One of the important messages for everyone that's taking this exam in September though, with being the first folks to use the sheet is, you get to be a great part of the process of change. You get to be the firsts. So you get to be the first to give feedback to make it even better. So that five, six years from now, that young E3 taking the E4 exam for the first time doesn't even have to think about that exam sheet and go, geez, this is really hard. Because you made it happen better.  So be a part of that change. Don't just sit back and go, well, I don't like this. This didn't work. What were they thinking?  Do you ever think that? Well, now it's going to be you taking that September exam. And the absence of your feedback is you giving feedback. Because the absence of telling us that something's not working is telling us it's working. So we're going to keep doing it. So speak up professionally and in the right form. Don't wait for things to happen to you. Make them happen for you.


Good morning Hank, it's Tuesday. It's Question Tuesday, the day that we answer real questions from real nerdfighters, and I say we because I'm joined by Ashley C. Ford, best-selling memoirist and my friend. It's called Somebody's Daughter, it's out now, it's so great. What is your opinion on seagulls? I am not a fan. Me neither. One of them has chased my husband down a beach. He is handsome. He is very handsome. So how do I blame him? And they were like, hey, skee, skee. How does it feel to have Oprah love your book? When you've been outside all day and it's been really, really cold and you take off all of your wet, soggy clothes and you get into the perfect hot shower, that's what it feels like. Wasn't it amazing? Even though there were a lot of people who were like in the comments like, hey Oprah, where'd you get that quilt? Tomorrow, as this is uploaded, you can see Ashley C. Ford in conversation with Oprah Winfrey, live in person on Zoom. Wait, what is Somebody's Daughter about? Somebody's Daughter is about my girlhood growing up with difficult parental situation. My mom had some emotional issues and we had some interactions that were not super fun and the whole time my father was incarcerated. So just talking about dealing with that, talking about the feelings that come from that and the hope that I can make it to the other side. When does the worry about releasing a book end and the relief set in? You tell me. What's it been like coming home to Indiana after so much time in New York? Perfect. What would you say to a young person living with trauma or what do you wish someone had said to you? I wish someone had said to me that there's no such thing as a bad feeling, that my anger, sadness, frustration, I wasn't being punished when I was having that kind of feeling and I also wasn't doing anything wrong. Part of what makes trauma often so difficult is not knowing when or how it will end and not seeing a way out of it and just because you cannot see when or how something will end doesn't mean it won't end. I had somebody explain emotions to me one time as like little tunnels that you walk into and they curve and so because of the curve you can't see the light necessarily for a long time when you're walking into that tunnel but eventually as you follow that curve you see the light and you can walk toward it but a lot of people have been either taught or shown by example to stop in the middle of that tunnel and that's just not going to work for processing emotions. You got to go through it but there's always a way out. What is powerful about memoir as a means of expression? Memoir in and of itself asserts that every single person, every human life also has a story. What's your favorite thing about the Midwest? Driving on back roads past cornfields way too fast listening to yacht rock like Christopher Cross. Ride like the wind that's got Michael McDonald in the background. I can't get into the Michael McDonald. That's okay and I feel bad. Do you think of my Michael McDonald impression? Yes. I'm gonna give everybody the secret really quick if you want to do a Michael McDonald impression for anybody. All you have to do is yawn and sing at the same time. I wonder if that's how he does it if he's like it's okay it's three in the morning time to get to work. Time to hit the studio. Ashley's book Somebody's Daughter is available wherever books are sold. It is such a special extraordinary book. Ashley thank you for being here and also for being the first guest in our house in 15 months. Thank you for having me. Hank we will see you on Friday.