All right. We'll call meeting to order. It is 701. So, yep. All right. So let's start off with introductions. Our new member of our team. Yep. So I'm happy to introduce the Isaac Maya joined us as a development planner. So he's going to be filling a bunch of different roles, but as Lisa Riddle, a long-term zoning minister, looks to transition out of Colchester at the end of June. He's going to be taking a lot of responsibilities with the development review board on. Occasionally you're going to see him coming here. Hopefully I can pull him in some fun stuff. He worked as an intern for us back in 2018 and the town plan. Some of you may remember. He's been working with us for a long time. He's been working with us for a long time. He's been working with us for a long time. So I don't know that being said, I'm very happy to have him on our team.  First of all, I want to apologize if you, my connection cuts out because my internet's acting up. It's very bad. But yeah, I was. Thanks for the introduction, Sarah. I'm really happy to be back in Colchester. I, you know, was an intern. I was an intern at the central Vermont regional planning commission for a couple of years. You know, I was doing land use planning and assisting municipalities there. Very much smaller municipalities in Colchester, but I'm really excited to be back and, you know, taking on more of a zoning role. So really, really excited about that. I'm excited to work with you all intermittently as well. Great. Welcome. All right. Ready to go for our public comment items, not on the agenda. I see Patrick O'Brien. Zach, nice to have you back while we're waiting. Sorry about that. Are you waiting for me to speak? Yes, we are. Honestly, I have two zoom meetings going because I'm in South Burlington in five minutes. And so I had him both on the screen.  So thank you very much for your time. My name is Patrick O'Brien. I'm here representing SD Ireland. And I'm going to talk a little bit more specifically. I'd like to talk to you about a project that we have in the growth center called Sunderland Farms. We are currently building the infrastructure. And we have a little bit of a snafu with the, with the form-based code wording. As you may know. There is a requirement that the garage is be set back from the principal plane of the building. I believe eight feet. And. That poses a, a big problem when you want to build a, a triplexes and fourplexes like we are proposing to. And I'm going to show you why in a second. Our buildings are approximately. Our each unit is approximately 40 feet deep. And 28 feet wide or to 30 feet wide. And I'm just going to show, show this to you. I have no idea if you can see it or not. Can you, can you even. See that. So Patrick. Yes. I'm going to show you why in a second. Our buildings are approximately. Our each unit is approximately 40 feet deep. And 28 feet wide or to 30 feet wide. And I'm just going to show, show this to you. So Patrick. Yes. We do not allow screen sharing unless it's pre arranged ahead of time. So you could turn in a camera and show us a picture of it that way, but. That's okay. That's okay. So. So because each of you can do this exercise at your desk or at home. So we have units that are basically a box of. 40 feet long. By 28 feet wide. And in those boxes, we need to fit typically a. A 12 foot wide garage. By 22 feet deep. So if you do math, if you have 40 feet and you take. Eight feet off of that. That leaves you 32 feet. Your garage is going to be 22 feet deep. So that takes. That basically leaves you with 10 feet of room in the rear of your unit. And so. What I would like to, to propose is that we reduce that. We do one of two things. We reduce the principle plane of the building. Setback. So we can have a much more functional layout. With these units. I know one question could be, well, why can't you make the units bigger? And the reason we don't want to make them bigger. Is because we want these two afford to be affordable. We want these to be in the $300,000 range or lower. And if we go bigger, we have to ask for money. Quick question, Patrick, were you part of this whole process? And we did the form base and talked about designing these things. A few years ago. I have been as part of this project. I think for maybe. Five years. Maybe six years. But I was not, I was not here when form base code was adopted. And you know the reason why? The concern was aesthetics. Absolutely. 100%. I appreciate the fact that you do not want. What I would refer to as snout, nosed garages, the house that has a garage sticking out. Of it. So. I do believe that if you have a garage that is within the principle plane of the building. That aesthetically, it can be done very well. I, I do not like to see garages sticking forward of the principle plane of the building. But I know historically why that was done. And again, it was to gain space behind the garage for more livable space. But I just think if, if, if it was equal to, or two feet set back, that would, that would certainly be the trip. So it also was, we didn't want boxes things. It wasn't a sticking out point. It was more of a, we don't want a big square cubicle. No life. No. No life. No life. Decent look to it as well. It's a two street. Yeah. Your question of affordability of 300,000 or 350 is. What kind of median income needs to have to live there. I'm just curious if you have that. Right, right now, if, if. Right now, if. Right now, if 80% of median income. Would bring you in. At about 70 highest seven. Let me back up. If 80% of median income. You would be able to afford a house. In the high 200s. With today's interest rates. 100% of median income. Which is somebody making a family making, I believe around $89,000 a year. You'd be able to afford a house at about 350,000. At current interest rates. So by moving. The closer you move the garages to the front, the less area you'll have. To do anything outside in the front as far as. Sitting. I mean, there's no, there's no real backyard from what I understand 13 feet. Some of these there's backyards, but I would, I would. You have to keep in mind that. If you have a garage set back eight feet. You still need to bring pavement up to your garage. So one could argue, yes, there would be more room there, but it's going to have to be paved. You wouldn't think of it more of the SNAP pad. And a small patio for the front of the house. It could very well be. It could be used for that. Sure. Yeah.  Yes, you sure, you sure could do that. This to me, this is more about the function inside the house. Yeah. How many bedrooms are most of these places? There'll be a, there'll be two and or three bedrooms. This, that's one of the things that this will do is it all, it'll open up the potential for a first floor bedroom. You've also asked for some change in parking design as well. Correct. Yeah. So really what that is driving at is the. Yeah. That is the request to. Not have to have a small island every several parking places. And we think that makes sense in areas where you may have like a grocery store. Where there's a sea of parking, but in a growth center like this, where the, the, the, the least. The most important thing is that there's a lot of parking space. And it all boils down to parking. And the town doesn't allow on street parking. So we, everything has to go into a parking lot. And. If we could. Have that altered. And not have to have that island every several spaces. That's just going to equate to being able to add more units. So are you thinking if these are family residential places and you have one, two cars, how many cars parking spaces per. How are you planning on if we allow you to change the parking structure? Those, the, where that would be applicable would be a multifamily buildings, the parking lot for a multifamily building. And that would mean. What we're finding is that. For our one bedroom, most of our one bedroom units. There's, there's, it basically boils down to a car and a half. And for our two bedroom units. And. At some, at this project, we have a shared parking. Program, so to speak, because there's a mix of, there's going to be a mix of retail office and apartments. And so there's a calculation we have to follow. And I, my point is just that it, we're going to be able to have more buildable building area. If we don't have these islands. So my request really is, is not to convince you. To approve this tonight, but would really convince you to just put it on your docket so I could come in and talk to you and, and maybe even bring some fancy pictures and value with some numbers. That would be a good idea. Absolutely. Now you realize we have a supplement coming up. And it would be difficult to fit that into the next supplement with the questions we have. I would only ask you to do the best you can. Nothing, nothing more. If you can't fit it in, you can't fit it in. Correct. I definitely think you should come to the meetings and. When you can. And show us what you can do. Okay. So I don't think anybody's unreasonable. I just think it was felt rushed last time. Right. And a big project like that. We really want some nice looking stuff out there. You're starting from scratch. I agree with you a hundred percent. And that's why I'm presenting tonight. Yeah, I love that idea. Go ahead. Oh yeah. Hi, thank you, Mr. O'Brien for coming in. It sounds like this is kind of a. Weighing function against aesthetics and. I'm wondering if you could talk a little bit more about the functional piece of it. I mean, it sounds like you might be able to have two cars, more space inside. The home. You know, what other functional. I'm losing the word, but aspects of the project. I mean, trust me, I like really nice looking. Buildings and architecture. But I know Chittinham County is way behind on housing. And. You know, that's, that's a big concern of mine is the need for housing workforce housing in Chittinham County and Vermont. So with, you know, to me, it's a balancing. It's trying to balance. You know, these different, these different considerations of. You know, the need for housing. The functionality of maybe being able to park two cars.  As opposed to the garage setback. So.  It doesn't have to be tonight about just how functional.  You know, is it just the two car, you know, the two car, you know, two cars, one in the driveway, one in the garage, in the garage, and then more space for the homeowner. To answer your question is yes. And I do look forward to presenting some plans to show you. Thank you. Thank you. Rebecca, anything on that? No, I'm looking forward to seeing what the plans would look like and maybe elevations as well. Because, you know, what we see in plan isn't necessarily, we all see the same thing in elevation. There's a lot of things that could affect how the garage stands out or it doesn't stand out. So I, yeah, I would look forward to seeing a presentation that we can look at and get a good feel for it. I'm fine. I can wait for the presentation. Well, thank you all very much for your time this evening. Thank you. Thank you. Have a great night. You too. All right. I move on. So now at this time, we need to. Recess as a commission. We do that as a motion. I make motion to recess. Okay. Thank you. Thank you. Thank you all very much for your time this evening. Yeah, thank you. Thank you. Thank you. Have a great night. You too. All right. I move on. So now at this time, we need. A quick motion to recess. Second. I'll second. All in favor. Hi. Okay. So now we'll reconvene. As the CRS public information committee at seven. 18. All right. So. We did this last year. Last year was a while ago though. A lot of things happen in between, but. So as part of having the CRS program, which we took on and we get credit for. For administering a bunch of things, for instance, having good standards and regulations about where we allow building and what we allow in the floodplain. To things like educating people about. That there's insurance available for people in the floodplain and what their risks are. And making people aware of that. The program for public information is just that. It's really how are we going to reach out to the public over the course of the year and let people know. If there's. An event coming up. Or. You know, how to get flood insurance. Just serve like a knowledge sharing. And so usually in March, we do this because it's a great time. The type of flying that we have in. Old Chester is a. Sort of bathtub filling of the lake that you can sort of see coming when there's a high. Snowpack. There's a lot of rains in April. So if you start with educating people in March about, hey, we're going to get some of the. We have some of the most common. You know, more than a year's flood insurance available. So that is just it. And in your packets, you had sort of what we've already done this year, which was what we did last year, put something on the sun. We've put a blast out through our website. We did some stuff on front porch forum. And we use some of our. Online tools to send emails out to people. That had signed up for. We also had to send something out to. Repetitive loss property that we have in full gesture. Just start touching base with them. And that was great. I think we've made some forward movement on. That repetitive loss property this year. So. Education does go a long way. And so it's nice to see now there were a couple of years in that some of this is working, but this is just sort of an opportunity for the commission. We have to have two of these a year. We'll put one, we'll tack it on to the front end of the 15th of June meeting. But just in case you guys have any comments or concerns or ideas. I'm personally all set. Go ahead, Serita. Well, I just, you know, it was the second time I read through the materials. It seems like. You know, there's a lot of. Outreach. Not requirements, but ideas about how to reach these homeowners. You know, especially about. I think people are beginning to hear, I don't know if it's happening in Vermont, but people are not being told that they're in a flood floodplain or that there was flooding. On the property that they're thinking of buying, even if it's not an identified floodplain. And, you know, the whole issue, I think of insurance is concerning. To me, you know, people like now. Not again in Vermont, you know, I just, I don't know if it's going to come our way in terms of the increase or not, not able to get flood insurance. So that that's a concern, but I, you know, that's not what. I want to. Talk about because this right now that's in the future. But I. You know, I kind of would like to know. What is the outcome? Like what is our responsibility to let homeowners who live in a floodplain or a potential. Of being flooded. You know, what is our responsibility as opposed to emergency management. I'm not really clear on that. So this has nothing to do with emergency management. Yeah. They get set back from there. And so what the CRS program is. FEMA works through with the ISO, which is an insurance group. To say to communities, hey, you might want to consider this program. And if you join it, if you meet the thresholds and their points given to different things. Then people in your community are qualified for. Insurance rates. And also if you have a declared disaster in the state of Vermont, you get reimbursed at the highest level. And so what we get points for are things like having strict regulations, allowing no new construction in the floodplain. These sorts of educational outreach. Components. Things like I'm a. One of my endorsement is a certified floodplain manager. And I'm not sure if that works. Still is one as well. When she was at their department, she got that. And that's that you can talk to people and read floodplain maps. And so when people come in and say, Hey, I'm concerned buying this home. Can you tell me if it's in the floodplain? That's a service that we can provide. So those are some of the things that we get credit for. So that's a CRS program, not emergency management. But in terms of what you said about obligations and responsibilities. So you have to work on regulations. I'm good regulations in place that say things like our regulations do right now, which is no new home construction in the floodplain. And if you have substantial damage, your building gets damaged more than 50% of its value. Or you decide to add on to it. Your existing building is you have to flood prove it. You have to raise it. One or two feet above that flood level. And they're flood proofing techniques. But they should have no harm in that. So we could do a couple of things on piers, ratchet down propane tanks, so they don't float away. Those sorts of things that we work with people to let them know about. So that's a little bit about. How, what. Playing commissions role. Is with those regulations. What this committee's role is for public information. picture of making Colchester a safer place long term and that this has incrementally helped. Colchester is doing really well compared to a lot of other communities nationwide because what we have in the flood plain tends to be mostly summer seasonals. So it's great having an email list that you can let homeowners that don't necessarily know in the area that there's a flood coming, secure their items. And most of the times you've been very fortunate when we have had flooding, it's been that early spring before you had the summer seasonal residents moving in. So those are a lot of things that we have going for us and I think if we stay this course we'll be even better over the years and hopefully people will become more knowledgeable and make good decisions for themselves. Thank you. Thank you. Any other questions? Yep. Yeah, a question. So doing this twice a year and kind of massaging this program here, would we get a different classification so that homeowners even get more of a reduction? Just on the cusp this past year we got our cycle visit and it's just a few points away from becoming that next grade. So I'm hopeful there's like with any federal stuff they are constantly you're doing their point system. And so I'm hopeful that the next time we get evaluated that we will just because they're trying to catch up to some of the things that they've been promoting like this. And so hopefully just by continuing to do what we do with their changes to their system we'll get that next level and the better levels you get the more discount people can get on their flood insurance. Great. Anybody else got anything on that one? All set? All right. We will need a motion to adjourn. I'll make a motion to adjourn. I'll second. All in favor. All right. All right. Now we will be reconvening as a planning commission and it is now 7.27. Pretty simple. Minutes over meeting. Need a motion to approve? I'll make a motion. Go ahead Bob. Go ahead. Go for it. You're on it. You do a good job with those. All right. I'll make a motion to approve the meeting minutes of the last meeting. I'll second. Any discussion? All in favor. All right. All right. Now we're on to our packet information. Not a whole lot there. You know the monthly report you have noticed from South Burlington. But I think I wanted to also talk about future meetings but does anybody have any questions for me on the packet information? Well on the South Burlington I mean it's a lengthy thing. I just kind of read the summary. But do you take a look at it to see if it affects us anyway? Yeah and no it doesn't really. All right. All right. So with that being said future meetings. So you have on June 15th your future meeting for the supplement 43 and we'll also do the second public information committee meeting that will be even shorter than this one. We'll just tack it in and but the thing that I wanted to talk to you guys a little bit about was East Lakeshore Drive and what your thoughts are on potentially restarting some of that. You guys had done some work last winter. Back in February of 2020 on sort of briefing yourselves with some of the background on it. And I think we're looking to serve use LS1 and LS2 as a template to use for an LS3 and LS4. He had some questions about setbacks particularly front yard setbacks and those type of things but I don't know if potentially on June 15th I could give you some information about sort of touching on all that again. Then maybe that's a summer project. I think we pushed off a little bit due to everything that's going on now that we meet in person. Makes sense to try to get it done at a good time frame. I'd be willing to like go over things again on June 15th kind of just touch base refresh everybody's mind because it's been a while and maybe are we going to go back to meetings every two weeks? So that's a good question. So my department is going to be by July 1st myself, Zach and Denise Johnson Turk. So I have three people in my department which used to have six so we're a little bit short right now and I'd love to keep you guys going as much as possible and get easily short drive done but I think it's going to be a little bit of a stretch. We'll see how much heavy lifting. We are small but mighty and as I said I'm very excited. Zach's been a great ad. He's very energetic so here's me saying I can't make any promises but I'll do what I can. More than understandable I didn't realize you had shrunk that much that fast. Sorry to hear that. So hopefully our goal will be try to meeting in person even if we do it once it would be a lot more efficient. I think that would be our biggest goal and we can definitely touch on East Lakeshore Drive. Any other thoughts on that one? I agree. I'd like to see a recap it's been a while before we left off. June 15th meeting is worn for Zoom. I think there's a potential that we could actually have you meet in that room and still keep the Zoom invite because right now what the select board's doing is they're having the public come in via Zoom but they are all in the Outer Bay conference room together so if you wanted to we could look to have that June 15th meeting in person. Let's plan on it I would think. I wouldn't see why we wouldn't it would make life a little easier and get her done. Let's do it. It'll be good. Is there any way we could get an update on the septic wastewater situation on East Lakeshore Drive with all the new construction? I'm just wondering are things under control or is it is it still you know a concern about failing systems or future failing systems again not now but I mean I'm just like wondering about that. So I'll provide a recap maybe on the 15th that we'll go over I think you guys were all involved in the MBI project but we can talk about that too because I think one of the key things with looking at picking up that East Lakeshore Drive piece is we I think heard from the community of a lot of different issues with East Lakeshore Drive from everything from bike head to people at speed to wastewater but I think this is going to be the commission's focus is just on the zoning and so I think it will be useful to sort of touch upon some of all what was heard but I think the key thing with this is to keep the ship on course it's going to be there's that bigger picture but this is just zoning. All right and I just do you know Sarah I'm just going to hold this up this where you can't say it's a summit on the future of Vermont it's May 26 and 27 it's from one to five every day it's by it's being offered by rural the Vermont Council on Rural Development if you go to futuresofvermont.org slash summit if you want you know if you anybody wanted to go to that it's just going to be a lot of workshops about the future of Vermont and what Vermonters want you know how they want to see the state evolve and grow especially with I think a lot of this money this one-time funding that's coming in it's good time and so I just want to make people aware of that if if do you know you know about that Sarah right it sounds great I wish I had time yeah no no but I just but I just um I you know I don't know if anybody else is in I'm gonna I I'll be going to it but I just thought it's a it's a really good idea yeah all right we're all good okay thank you questions yeah I need a motion I make a motion to adjourn second I'll second all right all in favor very good thank you again I told Zach after the four hours of DRB that this would be quick you guys are good so yeah it really is nice to see you back and I remember working with you you always did a great job for us appreciate you yeah welcome back Zach yeah


the most underrated degrees. That's what we're going to be talking about today, but before we do that, go ahead and gently tap the like button in order to defeat the evil YouTube algorithm. On this channel, we talk about college degrees, personal finance, careers, entrepreneurship, trends and different opportunities that will lead you to success. And we also talk about avoiding the common financial traps that are way too common these days. And if that sounds like something that interests you and you haven't done it already, go ahead, hit the subscribe button, ring the notification bell in order to see more content like this. And with that out of the way, let's jump right into it. My name is Shane Hummus and we are answering the hard hitting question. It's the news. So number 10 on the list is going to be industrial design. So industrial design is basically where you design products that are intended to be mass produced. And that's right. This one is an art degree. Okay, now a lot of my subscribers are straight savages and they just roast our degrees like crazy in the comments section. And before I started researching these degrees in depth, I thought the same thing. I mean anybody who looks at the basic numbers would probably think this. But after doing some research on this stuff, I got woke. Okay, I got enlightened. There are a few art degrees out there that aren't that bad. And if you don't believe me, go ahead and look at these stats. Industrial design ranks 240 out of 835 possible degrees, you're going to start off at $50,900 a year. And mid-career pay is going to be $91,900. Do you guys know that I've really warned against these degrees? Okay, I poked a lot of fun at art majors. And I just like to take this moment to apologize. Because if I'm being honest, most art degrees are still pretty trash when you think about it from a personal finance perspective. And again, I say this in every video, if you want to be an artist, that's great. I've got a lot of respect for artists. Many of my friends are, that's amazing. In most cases, you would be better off not getting an art degree if you want to be a professional artist. If you want to be a professional artist, you got to get a little bit creative. You'd be much better off just starting a YouTube channel or a blog or something along those lines, maybe creating your own business. But industrial design is a pretty good one because it is an art related degree, but you're able to use your art skills in a practical way. Not only will it teach you to sketch products on just a piece of paper, but you're also going to work with what's known as CAD, which is computer aided design. This will lead you to making products that are beautiful and ergonomic enough to please customers, but are also simple enough that they can be mass produced by a company. Just about every product that you have in your life was once a sketch on industrial designers canvas. It came from their imagination and then it was brought into reality, which is pretty cool. Now I kind of want to clarify one thing here. When I say the word underrated, I want to make sure that you know exactly what I mean by this. When I say the word underrated, I mean degrees that are actually either decent or maybe even in some cases they're good, but people might think that they're not good at all. These are degrees where if you have a really good plan going into it and you do all the right things, you can definitely turn it into a good career. Number nine on the list is going to be industrial psychology. That's right. I can see the comments now. People are going to be like clown, clown, clown. You said psychology is the most overrated degree on the other video. Clown, you a clown. Okay. So sometimes I'm not as clear as I should be in some of my videos. For instance, I ranked like the most common science degrees one time. And then I also put, you know, the top 10 most common science degrees, one of the ones that was at the very top I put as one of the worst science degrees. And what I meant by that is it's number 10 out of the common science degrees, like the ones that a lot of people graduate with.  It's whatever. I'll have to be more clear on that in the future. But most types of psychology honestly don't have very good numbers. It's probably the most popular degree out there. Over 100,000 people graduate with a psychology degree every single year and there just aren't that many jobs at the bachelor level. However, industrial psychology and also organizational, it's pretty good as well. They're a little bit different. So basically, industrial psychology is studying, analyzing, and figuring out human behavior within the workplace. So mainly how different businesses work and how employees function, how things are different in a giant company versus how things are in a small company, things like this. Now, industrial psychology ranks 231 out of 835 possible degrees. Industrial psychology doesn't have numbers that are that bad to be honest with you. You start off making around $46,000 a year and mid-career pay is going to be $92,500. And the best thing about this one is that you might actually be able to get a job with just a bachelor's level degree. No promises. You might have to go back and get a master's with this one still, but there's a good chance that you might actually be able to get a job with just a bachelor's. And this degree is basically designed to use psychology in such a way that benefits the company. Things like understanding how to build a good work culture, how to keep your employees motivated, things like that. You can see why this would actually be useful in businesses, especially really big ones, and why they would hire people to graduate with this degree. Number eight on the list is one that I don't think is talked about enough. That's why I decided to put it on this list. And that's going to be cyber security. This is basically how you protect your company from, you know, different people, outsiders, hackers that are trying to get in and steal people's data, steal your software, steal some of your numbers, all those sorts of things. Now with this one, you're going to start off making around $61,000 a year and then mid-career pay is going to be $93,000. So it ranks pretty well right now. And I think this one is going to rank even better in the future. Just look at the recent scandal where a Tesla employee was offered $1 million by a Russian citizen who was trying to install malware in one of the Tesla giga factories.  It doesn't even seem like this guy had anything to gain. He just wanted to sabotage the company. Other attacks, of course, that happened recently where Equifax, for instance, was hacked, hundreds of millions of people's data was leaked. Now, just a side tangent from my personal life, I know a guy who actually designs what's known as electronic health records, and he specifically kind of specializes in the security part of that. Now, if you work in the medical field, you know that HIPAA is a really big thing. HIPAA is basically just what they do in order to protect people's health information. And he told me that health information, if it's leaked on the black market, apparently it's worth something like five to 10 times as much as people's financial information. Now, I don't know if that's actually true. Maybe that's just something that he tells everyone because he owns a business in that field and he wants people to buy his products. But, yeah, apparently they're able to sell your health information and then they market specific products to people that would be much more likely to buy them because of the conditions that they have. Pretty awful stuff. The point here is cybersecurity is big now, and I think it's going to be even bigger in the future. Now, one thing I will mention about this degree, and this is common with some of the technology-related degrees, is you want to make sure that you go to a good college. If you get a cybersecurity-related degree from some scammy clown school, it's probably not going to be worth anything. Number seven on the list is going to be supply chain management. And this one is basically where you just streamline the whole supply chain. You make sure that the process from the creation of the product all the way until it gets to the person who is buying the product, the customer, is as smooth and as profitable as possible. Now, with this one, you're going to start off making around $58,000 a year and mid-career pay is going to be $94,000. So this is a business degree, and generally speaking, business degrees are pretty good. I've done a ton of research on them. I think that supply chain management is one of the better ones. I didn't expect it to be as good as it was. And then on top of that, one of the weaknesses of business-related degrees is that some of them are a little bit too general. Supply chain management does not have that problem. It's very obvious what you're going to be doing. Amazon became maybe the number one company in the entire world by mastering supply chain management. I see a lot of other companies following in their footsteps. This is going to become more and more important in the future, even as automation happens, even as outsourcing and streamlining of processes happens. I think this is one of those degrees that will lead to a career and a job that's going to be relatively future-proof. Number six on the list is going to be international business. So this degree, at least from an American perspective, is all about an American company doing business internationally. You're going to start off making around $50,000 a year, and mid-career pay is $96,000. Another business degree that's really good, and it was even better than I expected. Now, a lot of people are interested in majoring international degrees because they want to travel, and they want to understand different cultures, and all that good stuff. If you're someone who really wants to travel a lot, this is a degree I would think about looking into. Business is becoming more and more international, and there's a lot of opportunity there. Businesses here in the US are discovering ways to save money by creating foreign companies, and then running some of their money through that company. It's all really interesting stuff that I've been looking into. There's a channel I've been following called Nomad Capitalist, and basically the whole channel is about different ways of saving money by creating businesses in different countries. Really interesting stuff. I don't want to get too far off topic, but yeah, this is a pretty good one. Number five on the list is going to be mathematics. Everybody's favorite subject. Yay! Now with this degree, you're going to make $57,000 starting out, and mid-career pay is around $102,000 a year. So this is a degree where I knew it was pretty good, but I didn't realize how good it really is. People love hiring math majors in all different industries, all different careers, all different businesses. The one weakness of this degree is that it is a little bit general, and it's also a little bit abstract in terms of using your math related skills in the real world. It can sometimes be difficult to land your first job just because of the fact that companies aren't really going to see how you can help them because you don't have that much real world experience. However, once you get some work experience, this one is going to be amazing, and this is shown by the salary almost doubling from the entry level pay to the mid-career pay. Number four on the list is going to be management information systems. And basically, this is all about computerized information processing that is designed to support a business. So it basically combines technology related skills and business related skills in a way that a lot of companies really like, and they want to hire people with this degree. Another business related degree, another one where I knew it was good, but I didn't realize how good it was, lots of opportunity in business, lots of opportunity in the technology industry. Also, a really good degree if you think that maybe later on you want to go off on your own, start your own business, and become an entrepreneur. A lot of people will spend a few years working in the industry, getting a job, working their way up, learning different skills, learning the business and the technology side of things, and then they'll end up leaving and starting their own business after they've identified a good opportunity. Number three on the list is going to be economics. Now economics is technically like a liberal arts type of degree. It's like a social science. So don't think that I never include liberal arts degrees on my list, okay? Some of them are pretty good. And economics is generally about the production and distribution of wealth. It's going to be focused on production and then the buying and selling of goods and services. You're going to start off making around $56,000 a year, and then mid career pay is going to be $107,000. Now I really enjoy economics myself. It makes a lot of sense and it kind of just helps you understand how the world works in general. I really think that if you study economics, you'll have a better understanding of how the world works, which will lead you to making just better life decisions, understanding how value is created, understanding that money doesn't just grow on trees, seeing how different industries work together. This was actually one of the top degrees when I was doing my research on the degrees that lead to people becoming millionaires. I think it was either number three or number two on the list. And I think it's pretty obvious, even though it isn't technically a business degree, in some cases, you will actually be competing with different business degrees for careers. And then on top of that, you're going to learn a lot of stuff that can be related back to business. So many people who graduate with an economics degree will eventually end up starting their own businesses. Now this is one where you might have a little bit of trouble getting your first job right out of college. But once you get the foot in the door, you know, you get your first job out of college, you get some experience under your belt, you're going to be good to go. It's another really flexible degree similar to the business degrees where you can pretty much work in any industry for any company. So economics did surprise me how good it is overall. And I think it's just a pretty solid choice. Number two on the list is going to be statistics. Statistics basically studies the different methodologies used to draw conclusions from data. This is going to include gathering, analyzing and reviewing data before you draw conclusions. Now this one starts off making $62,000 a year and mid-career pay is $113,000. Now statistics is similar to math, but in my opinion, it's kind of math that's a little bit more practical. It's designed to draw conclusions from data that's gathered in real life and be applied to real life situations. Whereas pure mathematics can be a little bit more abstract and you don't necessarily have the ability to apply it to real-world situations. But yeah, statistics doesn't really have that issue as much. Very similar to math in other ways though. It's a really good one, highly respected just like math. Even if you don't end up becoming like a mathematician or a statistician, can't blah, blah, blah. Statistician can't even pronounce that word. Even if you don't end up becoming a statistician, you can still get a job doing any number of different things just because of the fact that this degree is highly respected overall. And then on top of that, math related skills in general are just kind of coveted a lot. Number one on the list is going to be physics. I knew the physics was going to be a good one just because of the fact that really smart people tend to study physics. And physics is the science that tries to understand the laws of nature and the relationship between matter and energy for instance. You're going to start off making around $60,000 a year and mid-career pay is going to be $113,000. Now from what I've heard, this might actually be the hardest degree you can possibly get out there. It does have a little bit of competition from some of the engineering related degrees and some other random ones. But a lot of people tell me that physics is actually the hardest subject. Now a big issue with this one is you usually can't become a physicist with just a bachelor's level degree. You've got to get at least a master's or a doctorate. But this is another one of those degrees similar to math and statistics where companies will just figure out a way to hire you because they know what they're getting when they hire someone who has a physics degree. They're getting someone who's very smart, very hardworking and very motivated. It's similar to a math degree, but I think it's a little bit more practical just because it studies more real world concepts. So for instance, you might get a physics degree and end up working as a software developer. Your specialized training in math or physics is going to be a little bit different than someone who gets a computer science degree, and so you're going to be able to bring a different perspective into a company. One thing about this is it might be a little bit difficult for you to get your first job. You really got to plan ahead, even with a degree like this.  As always, make sure to smash the like button, hit the subscribe button, ring the notification bell, comment down below any thoughts, comments, criticisms, etc. And before you go, make sure to check out my other videos right here. I made them just for you.


Welcome to American Issues Take One. I'm Tim Apachele, your host. And today I would like to introduce our esteemed guests, Jay Fidel and Winston Welch. Good morning. Good morning, Tim. Today's title is Joe Biden, one-term president. Jay, should Joe Biden be a one-term president? Oh, I don't know if he should, but he will. He'll be a one-term president. It reminds me of one of our hosts or contributors from far away in India. I asked him one time, you know, do you support Trump? I was really curious because he was so different than his thinking. And he said, yes, I do. I support Trump. I said, why? He said, because Trump is strong. And in a world where we have a lot of autocracies emerging around us, you have to ask why? Why do these people succeed? What is it about the global environment then, the national environment that makes a quote strong and quote executive so appealing to people? We seem to need that quote strength and quote. And I think that's part of it. And Trump plays to that. Biden does not play to that. Biden is a facilitator. He was a facilitator when he allowed Clarence Thomas to get consent in the Senate years ago. He was a facilitator on so many things, but not a leader. And he was vice president, but vice president is not really a leader, sorry. And now we find him as ostensibly a leader, but he doesn't have the goods. I don't think he has the strength, the focus, or for that matter, the courage. And people know this. They don't have to listen to think that to know this. They just know it intuitively that he's not wrong. And that's going to cost him the election next time, whether we think he should be elected or not. Jay, since when in this country or when did it occur that we need an autocrat type personality, when did that occur? Maybe everyone thought Franklin Delano Roosevelt was an autocrat of sorts. But can you pinpoint a time where that became a criteria or a main criteria for selection of a president? It happened right around November 2016, I think. I mean, it was there. No, I agree with you. I definitely agree with you. Yeah. And this kind of strength is what appeals to half the country anyway, the other half not. But at the end of the day, and I don't think the other half, that is, the Democratic half, is all that impressed with Biden's style, his, what do you want to call it, raw leadership. Well, for that matter, his achievements in office. He's not doing anything that really appeals to us.  And a lot of people feel that way. But for a lot of people on the middle, independents on the line, they're not impressed. And you know what? There'll be another couple of years here where we'll see the same characteristics exhibited again and again. And if I'm right about what I'm saying, you know, that we'll have the same movie played again and again. But meanwhile, it matters a lot for November. This is a statement of, you know, of the Democrats and the Democratic position on things, values on things. And I'm afraid there's a lot of people in the country that take Biden as a guy who is not really selling the Democratic ticket. Well, J. I appreciate your honesty and admission that you would vote that way. I too will vote, but I will vote for Republican just so I don't get Trump. And a lot of people, a lot of people feel that Liz Cheney is the one distinctly because she's not Trump and she's got character of her own. And she may have a, you know, a very right-wing agenda, but it's not, it's not the modern GOP agenda. The hijacked agenda is the old GOP agenda, which is, you know, a lot of us bought into that years ago. And so if I could be sure that voting for Liz Cheney would stop Ron DeSantis, I would vote for Liz Cheney. Yeah. All right. Thank you, Jay. Hey, Winston, I don't know if it's me or not, but, you know, I've noticed, you know, over the years we've become very, the media has begun very careful on how they label individual candidates and, you know, we're very sensitive about how we refer to race identifications and sexuality identifications. But I noticed in the last 12 months, both pundits and candidates, they're just blatantly say that Joe Biden's strictly too old. He's just too old to be president of the United States. Number one question is, have you noticed people being fairly explicit about that, which, you know, kind of borders on some age discrimination issues? And number two is, is Joe Biden just too old to continue on as president of the United States? Well, you know, ageism is a reality whether we want to admit it or not.  You've got Mitch McConnell and Nancy Pelosi, and they are all octogenarians. However, we don't need to fire people because they're in their 80s. That's not what this is about. It's about being able to do the job and reasonable accommodation. No one, I was reading something the other day, I think it was a quote from Teddy Roosevelt that said it's, you know, the presidency is for the man who can spar in the ring or something like that. I thought, no, that's not what it's about. It's about having a gravitas of respect of old people and children, you know, or that quote's more applicable. And so we have to remember what was Joe Biden elected for. Joe Biden was elected because America had had enough of four plus years of absolute chaos and drama and trauma. And people just said not an overwhelming numbers to the point where today we actually have this idea that there's this quote unquote rematch. That's not why that's not what it's about. What it's about was that Joe Biden has reestablished a sense of normalcy to the White House. He's established normal behavior as the standard to which presidents should be held. He has regained respect for America in the world stage. He's calm. He is the baking soda that the country is needed. Is he sexy? Is he flashy? Is he fast? No, he's 80 years old. But you know what, a lot of people that I really know and respect are 80 years old or older. And we don't need to discount them because they can't run around the block in three minutes. Now, will he be a one term president is a different question. But what he's brought back to this nation just on the sense of normalcy and not when was the last tweet you read about Joe Biden or when was the last statement that he made that caused you to raise an eyebrow? Some people slam him for that and they say, oh, you need to be out here fighting every battle and raising your voice and screaming. No, that's what we had every minute before that. So frankly, one person who's just enjoyed the normalcy. Yes, do we have issues? Certainly. Has he addressed them as forcefully as people would like or that some of us might like? Maybe not. But on the whole, this is not even a contest. Has the media been unfair to Joe Biden and highlight some of the criticisms about he's slow and really kind of accentuate the age factor with Joe Biden? I think they've been reasonably fair to Joe Biden. But if you look at the right-wing media, of course, they talk about how he's had his campaign from the basement and he's being held up by sticks, but he's not. He's out there. He's traveling. He's doing what he needs to do as a president. He has a very competent staff. He's inherited a total nightmare on any front, no matter what you looked at. So considering the damage, he just walked into a post-hurricane basically and it doesn't matter where he turned. He had an enormous mess to clean up and he still does. He's still right in the throes of it. So people complain about inflation. Yes, is inflation a matter? Yes, it is. But is the integrity of the nation, the integrity of the office, are essential understanding of what this job is and how people should behave in it? If that's the standard that we're measuring him by, then he measures up. Is he the fighter that people want him to be or the loudmouth or the obnoxious bowl in the China store? No, he's not. Is that going to be enough to satisfy Americans? I don't know that it will and if they're just focused on inflation, well, you know, this inflation he inherited because the government, I think rightly so, pumped this economy full of money so it didn't collapse during the years of COVID, which is well before Joe Biden's time. So this is something he inherited as well. And I hope Americans can bear judging his record. Okay, before we go to Jay, should he run for a second term? Before you go to Jay. So that means a question to you. Yeah, should he run for a second term? I didn't have any coffee today. So the gentle viewer will notice I'm less stamped up. It's interesting what I've been reading and I've detected just sort of a change in the tone of the nation and in the media if I'm reading it right. And that is that Joe Biden will run, as he said, if Donald Trump is the frontrunner of that party. So a lot of things are still hinging on this other man's every word and action. But we're seeing cracks all over the place. We saw his former vice president, Mike Pence was supporting a different candidate in Arizona. So these cracks are starting to come all over the place. These other folks that are saying, whoa, let's wake up from this nightmare that we've been in on the Republican Party and let's try and reclaim what we can. That said, Donald Trump still has an enormous grip on the imagination of a lot of people. So unfortunately, I think will Joe Biden run or should Joe Biden run is dependent, sadly, on whether what's going on in Donald Trump's mind. So these hearings that we're going to have later today at two o'clock Hawaii time, if people haven't tuned in, they need to start at the beginning. This is absolutely compelling, required viewer viewing by the American public for anybody that cares about this nation. So in short, should he run, he needs to keep every option open, whatever he can do to continue a sense of this nation, getting back on as normal of a track as we can at this point. And I don't know what that's going to look like in two, three, four, five years from now. But I would much rather have a sane, competent, calm, rational kind individual in that office period. And if it's if it's Liz Cheney, okay, let it be Liz Cheney. We have to remember that she voted with Donald Trump like 96% of the time on his initiatives. And these folks never really raised their voice for the four years. We don't need to lionize them. They stood up at the at the last minute and they're doing what they need to do right now and should be applauded for that. But they were locked, stepped in and not at the beginning, remember until they got smashed down and no one then spoke out. That's not what this nation is about. It's fundamentally, I think our two party system demanding 100% fealty to the leader isn't serving us well and it would be but it's certainly opposed to the oath of office. It's what we have. So we got to deal with it. Okay, great. No answer to your answer. Okay, I like I'll take a no answer. I get them all the time. Oh, I know you will Jay. There are two questions before the house.  That's the title of this discussion. And the answer is yes, he can't win. Sorry. Whether it's Trump or somebody else, the Republicans will put someone up and fund that person through dark money, what have you. And they'll get their half of the votes plus. And then they'll manipulate the voting system. It won't be free and fair. And at the end of the day, Biden will not be the president for the second term. And I think that's clear. We know that. Sorry. Sorry. I don't want to burst your bubble. Well, let's support that. Let's support that statement with a, you know, I know poll numbers aren't always accurate and they change very quickly. But you know, when you have 95% of the youth vote, which is to say under 28, and 95% of the youth vote says they don't want to see Joe Biden for a second term, or you have 62, 63% of all Democrats saying they don't want to see Joe Biden as the second term nominee. Do they know something? Yeah, well, they're reflecting what I'm what I'm saying. Yeah, you know, he doesn't have the focus on the on the agenda.  And of no consequence. And he was embarrassed in the, in the process and he wins. I mean, none of us would have done that really. The other, and I could go on and cite you additional circumstances. But the second question that you posed is, would he run? Can I actually wrote a commentary about that very question? And the answer is, you know, there are 330 million people in this country. Are we saying there's nobody but Joe Biden who can run a democratic ticket the next time that we can't say that? There are other people. And, you know, what, what I think his greatest mistake is not providing for a succession. There's no reason why Joe Biden can't provide for a succession. This is what you do when you can see that a, you are getting weak, you're not doing a great job in the minds of the public or the world. And, and B, you know, you need fresh, fresh blood in there, though you arrange for a succession. And he isn't doing that. He should have done that a while ago, but he isn't doing it now either. And, you know, he's holding, he dangling the possibility that he'll run. This is hurting, not only him, it's hurting democratic party and ultimately the country. He's got to wrap his arm around somebody who will succeed him. I don't think that should be Kamala Harris, but somebody in the field who would be a good candidate to beat Trump and to beat the Santas and, and to have the moral high ground that Winston likes. I mean, yes, this is achievable, but we just have to have somebody, may I say younger, maybe a little modern, maybe a little more focused, maybe a little more wrong in terms of his appeal and his gravitas. We need that. And he's not making any effort that I can see to provide us with a potential successor. He could, he should, but he isn't. Right. You know, there's been some talk and God forbid that this show should dwell on speculation. We are an editorial program, commentary program. Is Joe Biden waiting to see if Donald Trump runs or not? Is that a big part of his decision-making as whether or not he goes for a second term, Jay? Well, yes. The answer is he is waiting. I agree with that. And you've said it and Winston has said it, but, but I don't think you should. I think you should, you know, do this succession plan right now and start putting his arm around the shoulder of somebody who can succeed him. Wouldn't that make him a lame duck president for the next two years? Well, he's got to, he's got to handle it in a way that it doesn't. There's no reason why he can't be a real president, but also look into the future. I mean, you know, if it was any of us, we could manage that, that problem, that issue, and we could remain president, but also talk into the future. You know, I would like to hear him be stronger. I would like to hear him talk about what happens after the flood, so to speak, at Premois, when they lose. Remember that was Louis the 16th said that. I'm sorry. I just read his book last week, so I know exactly what you're talking about. There should be no, Louis the 16th, there should be no, no, you know, flood after Biden. He should set things up. You know, I think the people in Europe are losing, losing confidence in the sense that they look at the United States and they say, oh, Biden, you know, he's not unable to do this, that and the other thing, but he's not planning a succession. After him, and maybe it's Trump, the Santas, somebody else who opposes international cooperation. And so what are we going to do then? Should we have a coalition we know is going to be under fire by the United States? It's the originator in 2024. If I were a European, I would worry about that issue. And I'm sure they are. So Biden has got to give them some confidence about the succession of power in the United States. He's not doing that. And I fear that they fear what will happen. Let me follow up on something. If Joe Biden were to announce that he really is not going to run for a second term, that would communicate to the Republicans that, uh-oh, they might get a strong, strong candidate in as a nominee. Wouldn't that help the GOP run away from Donald Trump as far as the party's nominee? Maybe so. It is what it is. Right now, I think they think they could beat Joe Biden in a matchup, a second matchup. I pretty sure GOP thinks we could take them this time. But if Joe Biden were to do the country a favor and not announce a second term, speculation would force the GOP's hand to say, hey, we got to get a real candidate. Donald Trump's not that one. That's kind of contingent planning. I don't think it works. I think the transparency is better. If he's going to make it a one-term presidency, then he should stay so. If he's going to have somebody to follow him, he should stay so. So, I mean, if the three of us got together and decided how he would cast a one-term presidency, it's not like we would be unable to do that. We would say, here, I got, what, two and a half years more. Here's what I'm going to do. This is my agenda. And I know I'm going to run into trouble with the Republicans, but it's on their head that there's going to be more storms and extreme weather. It's on their head that we're going to have all these social problems resulting in the Roe v. Wade issue. It's on their head that we're going to have all these shootings in all these schools. I'm trying, and this is my agenda. I hope you come along with me. This is what I want to achieve before my four years are up. It's not like these guys are running for life, and nobody can make that assumption, or for that matter, running for two terms. We've had too many two-term presidents, in my opinion. So, what he's got to do is make an interactive decision about what his agenda will be for how long he's in office, and then try to convince people it's right, and they should follow him. I don't think that the question of succession enters into that. He should be speaking from his heart, and speaking from what do you want to call it, a connection with the public. All right, great answer, Jay. Winston, I'm going to kind of repeat the question is, would Joe, excuse me, Joe Biden be giving the nation a favor by forcing the GOP's hand to select a different candidate than Donald Trump? Do you agree with the chess game maneuver that I just suggested, or do you agree with Jay that Joe Biden should just be more transparent and announces true intentions, and not wait for Donald Trump? Well, there's reality. I like what Jay had to say, and it makes a good sense, is that if he continues on with this calm, steady grandfather of the nation as it is right now, that he could make a moral pitch that he's essentially a caretaker government while we while we repair our wounds and get and rebuild and just become a stabilized country, and that he says this is, you know, I'm upholding the best that vision for America for itself, while you all figure out, have the people that the reformed people on the right who say, yeah, actually, that was just a bad dream, and we are going back to principal conservatism, and it would allow for some succession on the Democrat side as well. And we have to remember that there was a pretty robust field of candidates in 2020 before Joe Biden came to the top, and that wasn't really for sure a thing that he was going to until South Carolina, which I thought was interesting. And Donald Trump viewed him as his main threat, as he still does now. But if the question were posed to people, you know, you mentioned about the number of Gen Zs or under 28s that don't want Joe Biden to run 60% of Americans don't want Donald Trump to run either. So it might just be like, you know what, we had enough of that out with the old in with the new Joe Biden is going to be there for a couple more years, he can just keep the ship steady at the helm, or even just sitting in the harbor without letting it sink. Interesting article that was just about this that the editorial by Jennifer Rubin and Washington Post on July 19, which was just yesterday, and it was whether or not Biden runs he must not bank on Trump. And as she says, that it's just a short article, but he says his greatest service to the country was defeating Trump and establishing a normal presidency and that any minimally competent Democrats should be able to beat Trump if he focuses or she focuses on one question, do we really want to relive the Trump years? And the thing is, is Trumpism doesn't need Donald Trump anymore, you've got DeSantis, you've got a Chris Christine, you've got all over the country, this is just sprung up. So do we want to relive that with the personality of it? Absolutely not. The question of the thinking behind it is still going to be there. But her, I do recommend that people go to that Washington Post article, but he says, you know, actually Joe's performance Joe Biden's performance, he's rallied NATO against Russia appointed a lot of really great federal judges, massive vaccination campaign oversees an economy that is not collapsing. It's far better than his putrid poll numbers suggest as she says, but she also suggests that there are challenges that would be well served by Joe Biden doing something like like Jay suggests, which is sort of stepping back and saying, you know, folks, I get it. And maybe this was just designed to be a one term presidency. And I don't need to hold out that that idea that I'm going to do this anymore. And it may just open the floodgates to to compare anybody to Donald Trump if he says, oh, well, I'm going to run now. Well, I don't think that the maybe the appetite for him has that ship assailed to and if I'm just sort of reading these these cracks in the cup, it may be that time that that happens. The Republicans have a very a lot of strong people on their side, I will give that to them. And so there's no shortage of good of not of strong candidates on that side. But maybe this opens it up so that we might be looking at new people. She suggests, you know, Pete Buttigieg and Amy Klobuchar. But I think you've got a lot of others like the Gavin Newsom, since she doesn't even mention here, or, you know, a better or work or something where he might be a strong like vice presidential candidate. But she says it's not a shoe in for Kamala, but by throwing it open, the cream will rise to the top. Okay, great. Well, you know, Jay, I wanted to ask you another question, but it looks like we're almost out of time. But I'm going to ask it anyway. You know, I suggested that by announcing now that he wouldn't run for a second term, he'd be a lame duck. Isn't he already a lame duck, thanks to Joe Manson?  Yeah, all the significant initiatives have been sidetracked by Manson. Manson is a Republican in disguise.  So that's the good going to, you know, paint, characterize the rest of his term. By the way, let me take a moment and react to Winston's suggestion. I just had an idea.  That would be a mistake. It reminds me of what happened in one of the big companies here in Hawaii when the fellow who was in charge said, I don't know which of these individuals is going to succeed, but I'm going to set up a competition between the two of them. And we'll see the best man or woman wins. And he did. And that's the way it worked. And the competition was limited to candidates, so to speak, that he identified. If you just have one, it makes people nervous. If you have two, then you're setting up a kind of election between the two and it excludes anyone else, or at least it could exclude anywhere else. So what I'm thinking is this, you don't go out on the front page and say, I am suggesting A or A and B to be my successes. What you do is you call them in. For example, if a judge was somebody that Biden wanted to promote, he would call them in for a special consultation and even get that newspaper. If Gavin Newsom was somebody he wanted to promote, he'd call them in, he'd talk with them, and you'd have pictures of him and Gavin together in the Oval Office. And he'd do that every 60, 90 days. And the message would get out pretty quickly because all the wags in the press would be making some kind of expectation on that. That's the way he should do it. It's not a matter of being explicit. It's a matter of being proximate. And it's not just one person, it's a couple of hand-selected people. And that would be the message that the public is waiting for. All righty. We have run out of time. So let's wrap up. Winston, your final thought. I agree with exactly what Jay is saying. I don't know if I would... He should not say, here's my successor, even though it's got Biden, Harris, everywhere. Our country's all about the best and the brightest, floating to the top, right? The cream rises to the top. So let's open this up to people that we might not have considered when you think about like, like Pete Buttigieg, who was a tiny mayor's town mayor that has had rose to national prominence. No one could have predicted that. We may have the same thing again in this next election. But the idea that people are started being invited to the White House just to have thoughts from thought leaders of the nominal folks that could win this race, absolutely. I wouldn't say 60 to 90 days, I'd say every week, have them come in and rotation just to get their thoughts on things. Is he a lame duck president? Yes. That's okay. Everybody understands that, that there's gridlock. Nothing's going to happen. If they can pass this election reform bill that just came out today this morning that just says, hey, you can't overturn these elections willy-nilly like this. If we can get those sort of basic structures in, and I think there is an appetite for that, if there can be the most minor stimulus bill, I think there's an appetite for that. But really, again, he's a caretaker president to get us back into normalcy. So while we don't have any expectations of them that are very high at this point, if he is just, the expectation is that he is baking soda, he is calming us down, he's returning us to normalcy. So whatever comes about in 2024 will be at least folks with a grip on reality, kindness, a pitch towards all of America, leading our nation as a nation rather than these weird, the weird situation that's developed because of what we had for the prior four years. So that is my hope is that he could do something like that and that we just accept reality as it is and try and move forward as we rebuild from the chaos that we just experienced. Great points.  Jay, your final thought. Well, I actually think he ought to, Joe Biden ought to invite the three of us into the Oval Office once in a while. I know you do. Or at the very least, Tim, that we send him a link to this show. Because I think there's some real resonance here in what we've been discussing. It really, our discussion here cuts through a lot of the fog and it would be good advice for Biden's take. And at this time, I want to be clear, I agree with at least some of the things that Winston has said. Good. I never ever disappointed in comments made on this show. So guess what? We've run out of time and I'd like to thank our guest, Winston Welch, my co-host Jay Fidel. Unfortunately, Cynthia Lisa and Claire could not make it today, but I hope to see her next week. And I hope to see you view in and join us all at American Issues Take One, next Thursday, 11 o'clock. Won't you join us? And until then, I'm Tim Apatial, your host, Aloha. Thank you.


In the preface of How Not To Die, after bemoaning the fact that I never got taken out to dinner by Big Broccoli, I wrote that you'll never probably see an ad on TV for whole natural foods because there's just not much of a markup. They're not shelf stable. You can't brand them, patent them, trademark them. Real food just isn't as profitable as junk. But I may have to eat those words. There was evidently a TV ad for avocados, and during the Super Bowl, no less. Not like avocado flavored Doritos or something, but an ad for the actual fruit, thanks to billions of avocados sold every year, giving the avocado board $50 million, not only for ads, but for research. I previously touched on their burger study, in which adding avocado blunted the spike in inflammation one gets within hours of eating meat. So they added more fat, more calories, but got less inflammation, perhaps because they were adding that fat and calories in the form of a whole-plant food, which tend to be packed with antioxidants, which can inhibit the formation of oxidized fats that are formed when meat is cooked and when it hits your stomach acid. Do other high-fat, high-calorie, whole-plant foods have the same protective effect? What about peanuts, for example? We didn't know until now not to be outdone by Big Guac. The Peanut Institute funded this study with the understanding that most of us spend most of our waking hours in a post-prandial state, in other words, an after-meal state, and the fat coursing through our systems from those meals is a well-recognized risk factor for atherosclerosis, the number one killer of men and women, and manifests as impaired endothelial function, meaning crippled artery function, within hours of a crappy meal, like a milkshake. 1,200 calories are mostly sugar and heavy cream. Okay, but what if you drank that same milkshake with 3 ounces of peanuts added? Now, to match up the added fat and protein, they had to add some oil and egg whites, and even threw in a fiber supplement to try to match the nutritional profile of the added peanuts as closely as possible. So here you have two milkshakes, pretty much the same calories, the same amount of sugar, the same amount of protein, the same amount of fat, the same amount of saturated fat, the same fiber, so on paper, they should cause the same reaction in the body. But peanuts are whole plant foods, and so what you don't see listed here are the thousands of phytonutrients in the peanut milkshake missing from the non-peanut milkshake. Would it make any difference? That's what the study aimed to find out. This is showing artery function before either milkshake is ingested, the ability for arteries to relax and dilate normally.  Even milkshake. OK, but what if you ate the same amount of sugar and saturated fat, but with a little real food floating in there? No significant drop. So the peanuts help preserve artery function in response to the endothelial insult, a cardioprotective effect, presumably due to the active phytonutrients in peanuts. Now walnuts may work even better, eat a salami and cheese sandwich with some olive oil, and artery function plummets like a third. But replace that olive oil with the same amount of plant fat in the form of whole walnuts. You don't just blunt the effect of the salami and cheese, but reverse it, ending up actually better than you started out. What about avocados? Research indicates that calorie-dense foods increase inflammation and oxidation, thereby contributing to the development of artery disease. However, it's not clear whether the high calorie load alone, irrespective of the nutritional content of the ingested food, produces that postprandial after the meal oxidation and inflammatory activity. So what this study did was compare the impact of high calorie junk, high fat, high sugar ice cream, a phytonutrient-reduced food, that's an understatement, compared to the effects of the exact same number of calories from a calorie-dense, phytonutrient-rich whole-plant food avocado. If it's just the concentration of calories, the concentration of fat, right, then they should have the same effect. They tested reactions to four different meals, ice cream versus avocado, versus just the fat and protein from the ice cream to separate out the sugar, and then just the amount of sugar in the ice cream to separate out the effects of the saturated butterfat. So two pints of ice cream versus just the cream versus just the sugar, no fat, versus about four avocados, which ends up having about three times the fat as ice cream and the same amount of saturated fat, and the same whopping load of calories. OK, so what happened? Eat the ice cream or just the sugar-free components or just the sugar and the level of oxidative stress in people's bloodstream goes up. But this is not observed after ingestion of a calorie-equivalent whole-plant food. Unlike the ice cream, ingestion of the whole-food avocado, even though it's packed with calories, in fact did not produce a rise in oxidative or inflammatory activity, suggesting that the after-meal oxidative stress observed after eating foods, such as ice cream, may be due to their isolation from nutrients like antioxidants. Sugar is OK in fruit form because it comes naturally pre-packaged with phytonutrients. Similarly, the fat in whole-plant foods like nuts and avocados comes pre-packaged with a rich matrix of phytochemicals and therefore doesn't demonstrate the same potential for oxidative damage.


the aged receivable summary. Let's look at the aged receivable summary. This is a quite common report that gives us a little bit more data that that isn't really in this customer center quite as quite as readily. And that's this common breakout up top where you've got the receivables now by customer. You still got the totals on the right. But now you've got it broken out by how outstanding some of the items are either their current or their one to 30 days out past due 31 to 60 61 to 90 or over 90 days past due. This gives us a nice quick visual about particular customers and whether or not of course they're paying on time and the more past due items are the more unlikely it is that we're going to get paid. So this is often also a common form that will be used to try to figure out what the actual value of the accounts receivable is possibly using like an allowance method. So let's take a look at that just to give an idea of that.  It's on the books as an asset. We hope that it's going to be converted into cash at some point when we collect on it. But especially as you get to be a larger business it's quite likely that you're going to be making sales and not being able to collect on some of them because the person's going to disappear or whatever. It depends on the business in terms of how much of the receivables you're going to collect. So you don't know which ones you're not going to collect but you might have a pretty decent idea that this number is obviously overstated and that you're going to collect something below that. And then the question is is there a reliable estimate that you could make that would tell you you know give you a reliable amount and say hey look that's my receivables but I'm estimating that so much of those aren't going to be collectible we would call that an allowance method and possibly put an account in here under the accounts receivable called you know an allowance which would be a contra receivable decrease in the receivable amount. And so that's a in one method you might do that there's a couple methods you can look at the at the revenue for the current period and determine how much of that revenue is likely not to be collectible based on past data or you can look at a report like this and say well look the more outstanding some of these items are I'm going to give a value and say it's less likely that I'm going to collect on that to try to determine how much of this five thousand two eighty one fifty two is actually something I'm going to collect on versus something that I'm going to have to eventually write off as a bad debt in the future. And that's another thing that clearly often comes up with the receivables is if you've got a lot of stuff out here that's in the ninety one plus days you're clearly overstating your receivables so whether you use an allowance method or a direct write off method at some point you're going to have to say okay I'm not going to be able to collect on that and I'm just going to I'm going to write it off right I'm going to write it off to bad debt meaning I'm going to lower the accounts receivable instead of increasing cash I'm going to have to expense it to bad debt or reverse the sale or something like that and this report is often used for that kind of process. Now you could change some of this up top so you could say this is kind of like the standard thirty one to sixty and so on but you could change the days and you could change the number of periods you know if I change this to six then it could give us the more detail so now you could say okay I'm going to give them this much until I write it off to bad debt if they go past that point to over five hundred and fifty one then maybe I maybe I'm going to give up on it at that point and either give it to collections you might be able to sell your receivables to collections and let them go after it pass that point because they've or you could or you could write it off at that point might be a decision process so those are the general formatings


Welcome to WRC 19 the world radio communication conference being held in Shamash Sheikh in Egypt We are very pleased to be joined in the studio this morning by Dr. Laszlo Pados who is the consultant to the Deputy General Director of the National Media and Info Communications Authority of Hungary Dr. Pados welcome to the studio Thank you very much for your kind invitation. It's a great honor for me to be here Now I'd like to start off by perhaps talking a little bit about Hungary I know Hungary has been a member of ITU for many years now Yes, Hungary is one of the funder of ITU So first of all this telegraphic union will take part of our work. Hungary is the middle of Europe. This is Small country with 10 million inhabitants in spite of them. We've got seven neighbour countries and we should Make coordination with 10 countries It means for us it's very important to take part in the work of ITU and Make successful coordination with all of the neighbour countries. Why is this event particularly important for the globe? Global is a very important event because in this way we've got Opportunity to introduce new services for example for the world For the world is very important for interest of 5G technology So it means a one third of the agenda and one 13 I am to 2020 is a very important topic for all of the countries I think in this way we go to the future and some people Speak about it that it will be a new revolution a technically revolution for the world And we will introduce a lot of new services even today We don't know which services will be in the future now. I know you've been involved in telecommunications for quite some time now How has the landscape changed? Let's talk about the landscape in Hungary. How has it changed there? You know Hungary is a member of CPT it means if there will be a new Introduction of new technology Hungary should join to the new technology It means we introduce a digital TV In time so and we just got seven layers countryside and we got a lot of local TV station with double DVD technology And has the mobile phone really revolutionized communications for you? Yes, this is working and the the coverage is almost 98 percent in Hungary So almost all the country is covered by the new technology and with 4G technology in Hungary. There are three Big mobile operators and they are working very good in Hungary. So Inhabitants are very satisfied with the result of coverage And tell us a little bit about the work of the ITU study groups How important is the work of the ITU study groups to industry and also to Regulators and information and telecommunications authorities You know one side of I to give opportunity to Introduce to new services. So every four years we make a new frequency allotment table and in In accordance with a new allotment is we industry got opportunity to introduce the new services So in this way is a very important event ITU radio communication conference You mentioned the future. I wanted to ask you You've seen a number of changes. I'm sure in your lifetime telecommunications Are you optimistic for the future? Are you looking forward to all sorts of interesting things happening? It's a very interesting and very good question. So I think in the future there will be some new Services and even we don't know today which new services will be You know the future is open Maybe in health through insurance. Maybe in agriculture and maybe there will be new Cars and new technology for the cars autonomous cars But nobody know in which temp if they'll be Some people thought that within five years there will be this revolution finished My opinion is not necessarily 10 years and maybe more To introduce everything I took part in a Huawei meeting in Hungary then Then they introduced a new technology new Transmitters and new MIMO antennas and ask and I asked them how they would like to introduce this new technology And the answer was very interesting. We don't know but Sir, you should know that in Some years ago there was one way for the cars after them two ways and after them highways and see it in you in United States there six ways For highway and this with full of cars What does it mean? It means we've started introduced in Different frequencies and new services and within some years this frequency band is full of these new services This is was a very interesting opinion and I would like to follow it and I accept this opinion Well, thank you so much for being with us in the studio and sharing these wonderful insights with us And hopefully we'll catch up with you again at some stage in the future. Yes, of course. Thank you very much