Welcome to episode two of girls who bet I'm so sorry that we made you wait. We are seeing your comments below. I'm Erin Dolan joined by the fabulous cohost Liv Moons. How are you doing Liv? I am doing fantastic. I am super stoked about episode two. I feel like episode one was a blast last week, but I'm ready for episode two. I'm excited. I know me too. I feel like there's nothing else in the world that's going on in terms of sports in my mind. Besides the NFL, do you agree? A hundred percent. And I actually tweeted out. Um, I tweeted out. I said, I didn't know that people still watched baseball once the NFL started. And people did not take that comment very well. Lots of keyboard warriors coming out of the woods, uh, typing away. I, it was very strongly, um, disliked by quite a few baseball fans. But in my opinion, once the NFL starts, it's all I can think about. I literally can't think about anything else. So sorry if I hurt your feelings, but it's just the truth. Baseball is not going on in my mind anymore, but we need to get into NFL. We want to answer any of your questions in the chat right now. Throw them in. What did you win on? Which team messed you up? Liv and I are going to go through our bets. We had placed our week one recap of the bets that we had talked about and also the bets that we had tweeted about. So we're going to go through Liv's first. But guys, let us know. What did you win on? What did you lose on? We're so interested in this. Yeah, drop it in the chat and we'll be sure to, um, either give you a shout out or cry with you because we all lose. It is what it is. I'll start with my loss. I did have a same game parlay for Thursday night football.  It just is those games are really tough in general. So automatically I knew it was going to be tough, but either way, I had a same game parlay didn't hit. I did have Antonio Brown anytime touchdown score that did hit, but of course, because it was in a parlay, it didn't matter. The bucks did not cover the spread. We'll get into Dallas later. Um, I'm swallowing some words. Yeah, we'll, we'll get into that in just a little bit, but other than that, I went three, you know, on Sunday cardinals covered the spread, uh, had the Steelers to cover the spread. And then I took the under in the Broncos Giants game. So that was cool. And then I also, uh, picked the, uh, Raiders to cover the spread on Monday night. So that was sick as well. And then I had Kyler Murray anytime touchdown score that cashed on Sunday as well. So overall very successful, uh, Sunday right out the gates for week one, but you had a very incredible weekend as well. How was your record? Yeah, I feel like we were both on fire this weekend, which is an awesome way to start the NFL, but then it also scares me because I'm like, we're going to have to go into cold streak at some point. But some people were talking, uh, Cody Hanley said, live went on a heater. 49ers and staff minus four and a half, but 10 units on it, easy lock. I went on Eagles money line. Let's go. I tweeted that out. And that was, that was an impulsive tweet. I was like, this could go really bad. Eagles money line was awesome. Texans money line. That's a way to cash out as well. I still cannot believe that they won by that many points against the drive. So it's not expecting that, but in terms of things that I was able to hit on San Fran minus seven and a half Arizona plus three Cincinnati plus three Philly plus three and a half also took Philly Cincinnati Miami money line at my Monday night football, same game parlay hit. Uh, that was the Raiders to cover plus four and a half Marquise Brown anytime touchdown and then Derek Carr over 258 and a half passing yards. Now I was texting live during the Monday night football game and this was before halftime. I was like, my bet's not going to hit the same game parlay is dead and I fell asleep. I woke up in the middle of the night. I had a texture of live the same game parlay hit. And I was like, Oh my gosh, thank you for giving me the greatest news ever. And how Monday night football, how fair is that?  This girl and in her defense, she is on the East Coast. I could not stay up for games if I were on the East Coast. Like I am lucky. I mean, especially if I'm in the mountain, I'm in mountain time zone. So it works out great cause they're like, I think that's the perfect time zone for sports because it's not too early. It's not too late. I think it's perfect. But nonetheless, the fact that I got to see her same game parlay cash out and she didn't, it just made me even more mad that hers hit and mine did not. And it was such a good game that I missed the end of it. It was so unlike me to fall asleep during a game, but I was convinced I was like the games over at time. I know. Well, it was, it was an intense game. I think we kind of wanted to touch on next like the surprises of week one in the NFL. And I think we might as well just jump right into that Raiders game since we're already talking about it. It was insane. And I, I really truly had a feeling from the very beginning that the Raiders were going to cover. I just felt like the Allegiant Stadium full of fans for the first time. I know. I was fans. Yeah, I do. We're planning to go there. That's an extra. Absolutely. But I know how Raiders fans are as a Denver Broncos fan. I know that they are insane and now you're putting them in a brand new stadium and it's like the Raiders, you know, season opener. I just knew that that energy was going to be so tough, but I do have to give a little shout out. I love Lamar Jackson. That was a hard game for me to watch just because I was rooting for my bet, but also rooting for a QB that I absolutely love. I would argue Lamar Jackson is probably one of my favorite QBs just because I think he's really exciting to play. I love watching a QB run the ball. And so I, I, it was a tough one for me, but great game by the Raiders. It was like, I was a kid getting a Christmas present taken away from me because the touchdown, you know, thought they won. I was jumping around. I was a little tipsy on some wine. I'm not going to lie to you. I was jumping around like a cycle. A little Monday football tipsy. Literally. And then they took the touchdown back, felt like I got my whole world shattered and then they got another one and it was all good, but crazy game. Did anyone take Raiders money line? Because if you did, I see people talking about that killed their parlay. Somebody saying worldwide hustle 81. What a name. Washington football team killed my parlay. Now one of the surprises that I wanted to bring up was of course Aaron Rodgers being benched. Now the Green Bay Packers also ruined Liv's parlay. Seven leg parlay odds were plus 9,228. Five of the seven legs were underdogs to cover and one was an under the one leg that let me down was not only a favorite, but reigning MVP Aaron Rodgers and the Green Bay Packers who brought back nearly every starter. Make it make sense. I was disgusted. I was truly absolutely disgusted. If I everybody who I mean, we had him to win. Well, you had him to win MVP Aaron Rodgers. I had them to win the Super Bowl. Now I have to reconsider everything. Although this may be an anomaly. There's going to be just one of those games in Aaron Rodgers career where he needs to get it together. I don't know what happened, but nonetheless it was that was very hard to watch. Painful, painful. Yeah, I was all in the dogs week one and for NFC North there was not one team that wanted game this week one, which is kind of surprising. The other thing, how about the Cardinals? We were both so heavy on the Cardinals. We're like, take them plus three. We were on that. So I was proud that we hit that. That was great. And actually, I think it was maybe two weeks ago. I made a video and of course more keyboard warriors coming out saying it's too early. It's too early. And when I put my, I promise you when I put that video out saying Cardinals plus three people were hot. People were like, no way. Titans are going to run them over. Like, you know nothing. I have been hot on this Cardinals team since the jump. I think that they are incredible and they proved me right in game one. They looked so great. So yeah, you and I both said last episode Cardinals plus three is the move and I hope you guys listened. I really, really do because it was great for sure. And later in the show, we're going to get into some of our week two best bets. We'll talk a little bit about Thursday night football and then we have a girls who bet best bet. So stay tuned for that. But of course after all these week one surprises, we have to talk about some of the things that we want to make a stance on. So after week one, if you were to make a stance on something live, what would you make a stance on? My stance is the Atlanta Falcons will have the number one draft pick next year. I think they looked absolutely unprepared, unorganized and disastrous in game one not to dog on your Eagles Aaron, because I do think they looked good, but they couldn't score a single touchdown up against the Philadelphia Eagles and allowed the Eagles 32 points like that just does not seem correct from this Falcons team. And so I kind of have a question for you that I think will lead me into your stance. Are the Eagles good or were the Falcons just really, really bad? I would love to know your take. I know it's your team and it's hard to separate the bias of head versus heart, but the Eagles did look good, but the Falcons also looked horrible. So how do you gauge? How do you gauge the Eagles moving forward? I would love to hear your stance. Okay. So I know that we need to take off my Philadelphia Eagles fan hat at this moment, but last week I did make the case saying that in the NFC East, it's so unpredictable like mines will go up the long shot, take the Eagles plus 480. I really was not saying that as an Eagles fan. I know it's hard to believe with the helmet behind me, but I understand it's one win to beat the Falcons 32-6. I know people are going to say I'm overreacting, but I think that the Eagles do indeed win the NFC East Jalen Hurts 27-35, 264 passing yards, three touchdowns, no turnovers, ran for 62 yards. His 77% completion rate is the highest ever on opening day for an Eagles quarterback. Now, Hurts also had three career starts with at least 250 passing yards, 60 rushing yards, one touchdown. So it's hard for me to not make the case that maybe the Eagles are going to be better than those expecting them to kind of have a down season, especially under Nick Siriani, who I doubted. I also doubted the offense. I doubted the defense as well. I'm not a fan. I get it, but holding that Ryan to 164 yards passing, they sacked him three times. The Falcons are nothing to worry about. The only one for games last season. So I understand having the week one is easy, but looking at this division, it's unfortunate for the Washington football team. They lost Ryan Fitzpatrick. He's going to be out at least eight weeks without hip injury. Danny Dimes and the Giants, they look mediocre. Now the Cowboys, they did look good in their Thursday night football debut, but will Dax stay healthy? America's team always seems to disappoint America. So I do think that the Eagles as my stance will win the NFC East. Hey, I can't argue with that. You just threw so much information at me that I just so many numbers. It's just I can't fight you on it though. It all sounded so good. And I really do. Like I said, also got to my horn to to I said last episode that Jalen Rager was going to come out and then I doubted him and let me tell you I all I want to say about him is he is fast, but what he has working in his favor that not every fast player can say is he is also big. So not only can he move, but he can also protect himself. So I just think he's got those two working in his favor and don't be surprised if he's getting touchdowns left and right. That's all I'm saying. Go horn, go Jalen Rager, but for the past couple of years, you've had so many problems with our wide receivers, but maybe it maybe was Carson Wentz. Like I've been saying all along the man didn't win week one. So the Eagles have one win on the board. The Colts do not, but guys comment below some of the things that you guys want us to kind of bring up right now. Someone just said, I thought Rodgers would be great too. It's our bias with Rodgers being on McAfee show. I know I just I thought they would have chemistry no matter what week one. And they just did it. And I kind of build like the Cowboys. That's another hot take. I kind of want to hear people's thoughts too about Aaron Rodgers because to me what really seemed like an issue was his attitude. I felt like he from the beginning of that game looked checked out. He was disconnected and I know that that's not that maybe a hot take to some and maybe some people are like, no, you know, he just got outplayed or whatever, but I just felt like he was kind of disrespectful. He did not. He did not give his team a hundred percent. That was not the Aaron Rodgers that won MVP last season. He just kind of had an attitude about him that he just couldn't care less and he'd rather be anywhere else and the struggle that I have with that is these players make so much money and your job is to show up and play the game that you know how to play do your job. And I felt like he didn't do that. He had a decision to make. He chose to accept the deal and return to Green Bay and I felt like he came out in week one with a really bad attitude and and that was just not a great way for him to start the season and I don't know. It kind of rub me the wrong way. I didn't. Yeah, I didn't. I thought it was an attitude issue. I really do. I think that his attitude was wrong and he was checked out and when you're making that kind of money, check in and do your job period. My thoughts on Aaron Rodgers is I agree with you on the area where you're saying he is disrespectful and I think that what aired before that game did not help his case where he basically kind of talked about the organization how it's been 10 years of doing this. He sat down with Aaron Andrews. If you haven't seen that clip, you can watch it on YouTube and the one thing that he mentioned was that basically the package drafted a quarterback. So if you drafted him, good luck and go with him. Whereas in my head, I'm thinking of course they're going to need a backup at some point.   They have to have a backup plan. I don't know why he's taking that so so personally that they drafted Jordan. Look, you've been in this game forever. Every team has a backup. I mean, obviously there's more to it since he's talking about over the last 10 years all these issues that they're having. You had the choice to retire instead of the off season. We're seeing pictures surfacing of you having fun with I think he actually did end up marrying that one. I'm blanking on her name right now. He's from the Shailene Woodley. Yes. Yes. Did he end up actually marrying her and just get it getting engaged? I know that they were engaged. I'm sure they had some secret wedding in Hawaii most likely, but none the luck. He was checked out. It looked like he was checked out. And I was on that team. I'd be very disappointed and that was the leader and coming off a regular season MVP where I think he brought in this cockiness in the season like we'll be fine. I'll show up last minute and that was like that was a beatdown. That wasn't Hey, we lost by 10 points. Like that was brutal to watch. And speaking of the Saints, we should now just talk about them and you guys can comment below if you think that James Winston, if this isn't a reaction, but he looked awesome. He did look awesome. I know you're going to kind of jump in on the offensive rookie of the year, you know, kind of debuts and how the lines have changed in the rookie side of the QB debuts. But I yeah, Winston looked awesome. And to be honest with you, I absolutely doubted him and maybe that was the bias of knowing that I was betting on the Packers in week one and that I had so much faith and Aaron Rogers so much so that I sprinkled some some on, you know, some money on him in the futures market to be MVP again, whatever the case, James Winston absolutely surprised me. And I have to give a quick shout out because my brother, he warned me.  He looked awesome.  I don't know. We'll never know that to be honest with you. I don't think that they were giving their full effort, but either way, he looked great. He absolutely surprised me. But I think this Saints team has a great QB and Winston for week one to go up against a team like the Packers. It's a lot of pressure and he looked awesome. I think he played well. I was I was that was probably my biggest QB surprise, maybe because it hurt my parlay so bad or maybe because it really just looked really good. But I thought I thought this was a trap game from the beginning. I had gone on a show Sunday Q&A through Fandall and I was like, this is the one game staying away from because I thought the Packers line should have been a lot longer against the Saints. And luckily I did not bet on that game, but a couple people in the chat kind of talking about how they're surprised that Aaron Rogers didn't just retire after that game. Some people saying I'm skeptical of Winston. Would you take Winston MVP if he keeps playing the way he's playing? That would be an interesting take. Yeah, I mean, you know, I think that's a that's a really great question. I just think I may need to see him again up, you know, maybe a couple more weeks of playing, but from what I saw in week one, he definitely caught my eye in a good way. So maybe some maybe some futures bets on Winston, but I need to see him one more time first and then I'll I'll sprinkle some money. Yeah, speaking of these bets, offensive rookie of the year. We got it. We got to talk about some of these quarterbacks. So Mac Jones moves to the favor plus 350 Trevor Lawrence plus 500 Treland's plus 500 field 750 Wilson 750 all these available right now in the Fandall sports book. Now, Mac Jones switches to the favorite over Trevor Lawrence, which isn't surprising considering how bad Trevor Lawrence looked out of all the quarterbacks this weekend. I will agree that Mac Jones at a starting quarterback, I should say looked the best out of the three, but you can make the case of the issues that are surrounding each one of these quarterbacks. I still stand by Justin Fields in my pick for this market. I know that you maybe have a different take. I know Trey Lance is also you can make the argument for him as well. But I just think it's kind of shocking that no rookie quarterback that started one a game and then Trey Lance comes in, he scores a touchdown one of one. Justin Fields ends up getting a rushing touchdown when he came in. I thought they would keep him in a little bit longer considering how bad Andy Dawn played. But last week we had said when is Justin Fields going to become the main starter? You said week two, I believe and I said week four. But I think you might be I don't think he's going to start week two, but it's he should be. He looked great compared to Andy Dawn. I mean, we didn't see many plays, but still no, I think he looked awesome. I will say not a huge shock that Mac Jones is the number one spot. I think he's just in a good position. He's a lot working in his favor. He's got a great, a really strong O line, which to any QB is kind of a dream come true. He made some impressive throws. I don't think he really let the pressure get to him being a full time starter and stepping into this Patriots team, which we said last week, he's got to have confidence. That's the one thing Mac Jones have to have and he did. He really looked. You know, if I were watching that, not having any background information, I wouldn't have thought he was a rookie. I think he played. I don't think he played outstanding, you know, football as a QB, but he didn't look bad. You know, he didn't really make any mistakes and he made really impressive throws and didn't let the pressure get to him. And I think he was confident and so not necessarily surprised that he's in that number one spot and he's a favorite now for that offensive rookie of the year bet, but week two will be telling. I also think that the Patriots, once they start playing harder teams, it may be a little different for Mac Jones and I'm with you. Justin Fields needs more playing time. He looked great for the very small amount of time that we saw him. I also want to see Trey Lancemore. I don't think he played enough as well. Jimmy drop in the ball that first play. It was I was like, he's coming in Trey Lance. I was like, he's going to step in next one. That's it. Put in Lance. We're done. It's a wrap. No, but I mean Wilson was sacked six times, which was just so unfortunate. Poor guy.  I was going to say, I know for a fact he was in the ice bath for about three days. For sure. Um, not again, we're going to see them actually play each other. The Patriots and the Jets. So that's going to be a game this weekend. Kind of see where they is shake shape up. Someone said nausea is the value for rookie of the year. That is my choice. Um, I actually took his over 58 and a half rushing yards in the Steelers Bills game. Didn't hit, um, but I think that that game was just, I mean, I was, that was a weird football game. I low key felt like I was watching high school football for a bit because I was like, where, where's the energy? What's, I mean, what's happening here? It just felt dull for a little bit there. And, um, so yeah, I think, I think nausea is definitely I have him as my rookie of the year. So hopefully he picks it up a little bit. I think he's definitely going to bring the run game back to the Steelers. Um, onto Smith Bridgewater, Broncos, QB, Teddy Bridgewater. Let me tell you something. Give your take. Go for it. He didn't as a Denver Broncos fan. I had zero negative things to say about Teddy Bridgewater zero. The only people that I need to have a conversation with are his receivers. Okay. There were a couple moments there where I was like, you guys, you're drawing. I mean, he had the ball in their hands just about every time he threw it. The receivers are the ones that need to figure it out and get with it because he is a the word that I have for Teddy Bridgewater right now is fighter. He didn't go down without a fight. If I mean, he was just finding every opportunity to get the ball in the receivers hands and the receivers were the ones that had their eyes closed. I think for the first half of the game to be honest with you, but wow, Teddy Bridgewater looked incredible. I think he was absolutely the right decision for the Denver Broncos. I don't think Drew Lock would have been able to win that game. So shout out to Bridgewater. I am stoked to watch him. Fingers crossed, we get him healthy because I know he's bottled health issues for a long time. So if we can get a healthy Teddy, please, I am pumped. Pumped. Imagine if you had Aaron Rodgers and all that drama and he had come to the Denver Broncos and then played the way he played in week one. I think you guys would be very quiet. I would riot outside. Somebody actually just with my address, someone said, I think that says geek hippie. I'm sorry. My eyes are getting worse and worse. Ever since NFL week one started, I've been staring at screens. The fields will start the fourth game with Detroit. I agree with you. You said I like that. Someone said, didn't Bridgewater lead in QBR this week? Yes, he did. He did. I didn't even know that. That's awesome. He looked great. Like I was so, so thrilled. And to be honest with you, another thing as a Broncos fan, nothing says NFL Sunday like a Vaughn Miller sack. I'm sorry. That's how I feel. And to see him back out there after that horrible injury last season. It's just like it's electric. I am. I am loving it. I'm loving that major Sunday. My Sunday was seeing Devonta Smith be able to score a touchdown. That was awesome. It's somebody Andrew. I shouldn't keep saying somebody Andrew full. I'm sorry. If I mess up your names again, I'm having trouble seeing it. Jags money line this week. We will get into our picks towards the end of the show, but now we want to switch it over to our little segment called would you rather. So of course this Monday, a lot of people were talking about the Met Gala. I know this is not NFL, but we have to talk about it because it kind of relates to it. So that's the Met Gala every year. There's a theme. This one was in America, a lexicon of fashion, whatever that means, but we have to talk about Sierra shows up in a green dress. Number three. She's got the Super Bowl ring on from her husband, Russell Wilson. I am just I think she stole the show. I may be biased because I love sports so much, but I don't know if it was so different. Goosebumps. I've just got goosebumps thinking about it. Look at her. God, she's incredible. Gorgeous. Like she is rock dead. Gorgeous. But I need to ask you would you rather go to the Met Ball and something like this something that you like absolutely loves and that relates to you or go a more artistic way depending on the theme. Oh, absolutely. Go with what she rocked with. Here's the deal.  She could wear a tarp and she would make a statement. Okay. She's stunning. Now you're flexing your husband. You're flexing your marriage.  She was on every person in that place. She's like, listen, I know my husband can't be here with me, but here he is. Check it out. Here's his suit. I mean, she was flexing on everybody. So I thought what she did was by far the best out of the entire Met Gala. I would so much rather do something like that than be all fancy because like I said, she would look good in whatever. So that is not up for discussion. I mean, she would look good in whatever but the fact that she flexed her relationship and her marriage and another huge part of her life was a money move. I mean, she killed it. She absolutely killed it and Peyton Manning had actually joked about this on the Monday night football. I guess that little show that they're doing on ESPN where it's the second broadcast saying she's got a ring that I wanted. I didn't get it. And I thought that was so funny because this obviously caught the attention of everybody in the sports world that she showed up in this. She had the little football purse as well. If I was married to somebody like Wilson who has a ring like that, like it was just so I wouldn't have never thought to do that. That's why I think it's so crazy compared to some of the other people. We can make arguments. I know everyone's talking about Kim K. I know you have some takes on that. So when I first saw Kim Kardashian dressed in this in, you know, those Halloween costumes. My brother wore one in middle school. It's like the thing that just like it's like tights on your whole body. I mean, that's what she was basically wearing. Oh my gosh. Yes. People would when we were in grade school, everyone had the colors and they had brought around. You never know what it was and you'd see one Halloween like the bushes. That's exactly what you're talking about. They look like I mean things that whip in the wind outside. Yes. Out of car dealerships. Yes. Yes. So literally I saw this initially and I was like, Kim come on. I could make that outfit. First of all, you probably spent over a million dollars on that outfit and I could get it. I could get everything that you're wearing on Amazon right now for 40 bucks. Okay. So right off the bat, I'm like, here we go with Kim doing the most when she shouldn't be doing the most like, come on, but I came across a tiktok. What the tiktok talked about is basically the theme was American and what they what the tiktok was basically saying is that Kim dressed in something and you couldn't see her face. So technically you couldn't tell it was her. She never showed her face at the night. Maybe it wasn't but you knew it was her because of her body. Right. And so the message behind it was America put so much pressure on these celebrities that they're so like you you don't know Kim's personality. You don't know how she knew that.  Another thing the guy that stood with her that was standing like Kanye and whatever was not Kanye West. It was the designer. So the other part of that is you didn't even see who that man was and immediately all of America was like oh Kanye and Kim on the on the you know taking pictures of the Met Gala together. It wasn't Kanye West. So I think that the message behind it was we put so much emphasis on looks and like body and all these different things that we don't know who they are on the inside as people and so that kind of changed how I felt about her outfit to be honest with you. I saw that I saw that Tiktok and I was like wow okay, actually that's kind of deep and I that really does have a pretty important message behind it. Do I still think she should have just worn a sparkly dress? Yes, but whatever it's not my business. Kendall Jenner stole the show for the sparkly dress. Holy mother and someone else also brought up Megan Fox won the night though. We were talking about this pre-show Megan Fox not only at the Met Gala I think she's it was the VMAs for her. It was the VMAs for her. She absolutely just stunted on every single person bringing back memories of all the old movie she was in. She looks better with age. I don't know how that happens and I hope one day that I at her age may be able to look semi- decent like like she is just stunning. I know how it happens. It's a whole lot of it and maybe a little bit of it. I know there's a lot of injections but the one last thing I wanted to comment with the Kim K thing is I feel like that meaning would have been more had she showed off to the Met Gala and just done that but considering she was constantly going to these Donda shows. I believe they were in Chicago. Yeah in the same outfit I was kind of maybe the meaning kind of got tarnished just a tad but it is is a cool meaning. I know somebody Ravi Patel saying Sierra killed that thank you yes she did out of creams. I don't even know what that that means. Yeah why did Conor McGregor Billy said why did Conor McGregor when I I try to figure that out why does Conor McGregor want to fight machine gun Kelly because that unfortunately he be knocked out in two seconds. Oh yeah so machine gun I actually I actually saw something I don't know if this is truth or not but to be honest with you if it is I think MGK is a savage and I love him but apparently Conor McGregor asked MGK for a picture and MGK responded and said no Conor McGregor got a picture with Megan Fox which I don't blame him but and Conor McGregor got very upset by that and then started to say I don't even know who this punk is like who does he think he is well dude you ask him for a picture obviously you know who he is and then that's when he threw the drink and wanted to you know start a fight and whatever but if that story is true and MGK told Conor McGregor so much drama and take a hike when you ask for a picture of him that would be epic but any nonetheless Conor McGregor quit trying to be relevant like come on just knock it off it's not even and also the last thing we'll say about the Met Gala is Ayesha Curry and Steph Curry they are phenomenal as well stunning we should have seen Devon Booker with Kendall Jenner where was he where was he where was he that would have been I kind of handle like look together handle looked incredible okay all right next over now to an article that somebody had sent to me and it was quite interesting and I just want to preface what we're going to talk about here it's it was called our women better at sports betting the men by Derek Helen with me and live I just want to say this again we are not saying we agree or disagree it was just an interesting article that somebody had said to me wanted to bring up some of the points that we read in the article it was taken from data from January of 2021 and it was only in one geographical location so we are not agreeing disagreeing we just wanted to bring up some of the points that we read it was very interesting it was interesting because we had never really thought about it and this you know article had data to back up some some interesting points and I actually agreed with some of them I'm not even going to lie but we'll get into it and yeah it was just interesting so we'll we'll just jump into that but yeah was just women when more men typically lose that was the first topic and they basically said that since January women saw a return on investment nearly 20% on their placed bets while males on the other hand saw an average loss of almost 5% very big difference there but the the article proceeded to talk about maybe why that is happening and one of the points that I absolutely agreed with was women are less likely to have an emotional attachment to a team to a player to sports in general obviously you're looking at two girls where that is not the case we definitely have emotional attachments to sports but because of society and kind of the way that sports have typically been you know the male thing to be interested in and not typically the women which love sports but the article basic basically talked about that because society has put so much emphasis on men being involved in sports men have grown a very emotional attachment which kind of leads to the betting with your heart and not your head so I actually did agree with that because I was like listen while women are very emotional in a lot of aspects of life when it comes to sports we can probably disconnect a little easier than men so I actually thought that part of the article was accurate and it was interesting to tie that into the return on investment and the numbers that were shown again not saying that we are better better than the people that are sitting in this chat right now or anyone else but very interesting points that the article brought up that I thought were were interesting yeah another point that was interesting was that women are more selective with their bets since they spend more time and money on other things meaning that instead of maybe I'm just I can only go my personal love their college teams and we go out to a bar and we are watching the games and thinking of the lines they maybe don't know the quarterback is or something of that nature and I'm talking collectively just my group of friends so I understand the societal norms of growing up maybe women do dance first and then kind of get into sports this is just again what how I grew up but I think what their point they're trying to make is that since maybe they don't bet as much me when I'm out with my girlfriends they're not betting to be quite frank they're not holding their phones up and betting I'm always telling them when we do a spread of love promotion for fangirl or something like that but I think that is more so to take away from saying the betting with their head and not their heart but and also we're talking about the attachment of teams I think for me I kind of talked about this before where I was born and raised do you kind of grow up you're and I kind of always thought that's wherever you're born that was your sports teams I know some people feel differently and they pick and choose but I feel like men for certain that they're like super crazy into their teams know I yeah change their minds it's like die hard for sure and going off back to your point of like prioritizing spending um I am not making a generalization because I know that there are some men out there that get the manicures okay shout out to you because you should get your cuticles clipped down and your toes done for sure but I have a lot of extra little expenses and are they needs no but they're once so I get asked a lot of the time what's your unit size I'm very transparent I think the best thing you can be in this industry is honest and transparent my units are $10 and I really really tried not to exceed that why because I'm going in my head I have a nail appointment next week I have a hair appointment next week I have the pair shoes I want to buy I have all these different things to keep up with my my eyelashes I mean all these different things that I know I want to prioritize in terms of spending I think about those things so for me $10 units is just the smart thing to do whereas somebody else who maybe doesn't have to think about all the things that they all the appointments that they have next week you know they can put they can have a hundred dollar unit and and it's not as big of a deal for me $10 units is what I stick to so I think that's another thing with this article was just talking about prioritizing spending and where women typically spend their money and societally women don't typically spend money on betting so it is it is expensive to be a female I just was saying to live before this I went and got my hair I got some a few highlights I got a cut I went left with wet hair and it was 280 then I went and got my nails done it was an easy 70 so somebody just come into Andrew with the theory in stocks is better more aggressive than women therefore women are more conservative investors in gain more long-term that's an interesting way to maybe equate that psychology into betting as well of course Alex said women much smarter with money ha ha and that kind of leads me Andrew made another comment that said I don't know why you even bother with $10 at that point to me I disagree with that it's me it's just a it's holding myself accountable because I know off of Sunday when you're on a hot streak you feel in you're on top of the world but guess what you know that here in a few weeks maybe even a few days that hot streak eventually is gonna end no one stays undefeated for long so if I start getting too comfortable with that feeling and start upping my unit size now I'm down more money than I would have been if I just put the $10 down so I am super against unit shaming embedding how I choose to spend my money is totally my business I'm just transparent about how much I put down because you know I don't want people to think that I'm out there throwing money like left and right like $10 for me is enough and and if anything I you know I think what I prioritize more than even the money that I put down on the bet is just the content that I create and sharing bets with other people and helping them cash out you know you think my $10 year is all take my bet if you like it and then put your own unit on it and if that's $100 or $1000 good for you but I'm sticking to 10 and I'm cool with that so it's funny you bring this up because somebody today had commented on one of my photos who I guess is a professional better to some capacity and he had commented saying that I haven't heard about you in Vegas for the last 10 years I just moved to Philly all this stuff and I was I commented back and I was like hey just so you know like I'm a content creator I work in mass media I do bet but my job is not to basically post my bet slips of spending thousands of dollars on bets that's that's not what I do it for so you make a great point never you to chain I think that's important last we want to say really quickly about this article are younger women better than older women it was saying that in this sample the best betters are between 35 and 44 seeing 130 percent return on investment ages 25 to 34 so 127% on investment there my biggest takeaway from that is obviously the legalization that has just happened maybe older generations are just accustomed to maybe people honestly let's be honest having their husbands be with a bookie or something there's also a stigma that was around that we still kind of have in terms of betting on things so I think over time obviously the younger generation who's probably I guess 21 to maybe 30 will be really around it so will become more normalized but that makes sense to me that maybe the younger women and it's happening like right now and there's a lot of younger people that are getting involved in sports betting and you know you're seeing it in colleges a lot you know on campuses they're doing a lot of betting related things and so yeah I mean it doesn't really surprise me it's I like you said I think it's just because there's more younger people involved in it that's probably why we saw such a big difference and I think you know back in the day as well there was a very negative gambling did not have a great reputation and I think slowly but surely it's becoming more positive and people are realizing that it's not the same that it used to be so I think that helps as well with these younger people getting involved so for sure and shout out to the person who just said women are smarter with their money ha ha that's the last thing we'll say on that so let's get into back to into some NFL NFL what do you guys like for this week please think we need to mention dogs 12 and four against the spread nine outright victories week two is notice over reaction week does that mean are you gonna hammer the favorites live so you know here's what makes me nervous and I'm just going to be transparent like you said 12 and four against the spread for the dogs last week and I know that personally because two of my three bets that I cashed in on Sunday word dogs covering the spread so I'm just going to be successful in week one but I actually do like the favorites this week um maybe it's because we saw such great performances from these teams I know for example the Cardinals they were an underdog last week they're a favorite this week I just love the way they played it has nothing to do with them now a team like the chiefs who were favorites in both weeks you know that is just because they're the chiefs and they're super strong and they're a great team but they're up against another team and they're not I think there's Tyler Murray having a great performance and Chandler Jones on D I mean they just had a lot of really really strong talent showing in week one but again I do worry about the overreaction of coming off of week one kind of having that adrenaline and being like oh my god they look so good they're our favorites so it does make me a little bit nervous but I also feel like it's got it has to swing this week in terms of the favorites and I know that Cody Hanley had said bangles and then Kobe Kenny had said bangles but scared that's too public now in this situation I said yesterday that I really liked them plus three it's not yes so we'll get to the one that we have together in a bit but I just talked about the chiefs minus three and a half like I said they looked really great in week one Chandler Jones on defense Kyler Murray looked awesome lots of playmakers on that team that I just think are going to be hard to stop really really liking them also really liking the saints they're I'm going to look at the slate really quick and see if there's anything else that pops out the slate right now somebody just said I got a question I usually wait till last minute to put bets in I guess that's bad because the line changes so personally for me I think the best bets are around Wednesday morning Tuesday because I posted that video about the bangles yesterday morning and the line already changed so much and then I know Livia put out a tweet this morning she talked about the Cardinals back to three and a half for me with the Saints Panthers there's something about that line that scares me I kind of think it might be a trap game only because again I think the line should be longer same situation last because the Green Bay Packers which I talked about right I this should be so much longer than the Panthers but maybe the book is factoring we don't want to overreact and make it minus five and a half something like that but Sam Darnold didn't show me anything great for Carolina but I do agree with you the Vikings they always play well at home I never like betting on them when they are on the road well and the Vikings to be honest with you to me were kind of a nightmare I mean losing to the bangles you know in OT doesn't really make me feel worried when they're going up against the Cardinals who looked absolutely incredible and shut down the Tennessee Titans so I really like the Cardinals if I had to pick a best bet it would be that one it originally opened up at fifty and a half and as of this morning the total had changed to forty nine and a half I believe but I like the over in the Eagles 49ers game the 49ers coughed up forty one point and allowed the Lions thirty three points and then you've got the Eagles who had what thirty two points up against the Falcons and I know that the Falcons were an absolute disaster but they still scored very well I think we see a very highly offensive match up in the 49ers so I like the over in that one and I sweat out an under last weekend don't know if I want to do that every NFL Sunday because watching under it's just not fun it's really just not it's not how I did not take one total last week I do not take one total the under myself to do it the under was not fun to watch but I do really like the over between the Eagles and the forty nine or so that is the one total I take a half my take and advice on betting totals is it's not like betting on the spread you can wait and you know what number you want to get it at so you can either take the over quite literally or take the under so I never really worry about line movement too much and speaking of line movement tomorrow we have the Thursday night football match up terrible NFL teams it's going to be a great book so live when you see such a jump like that for people that are tuning in do you eventually just say okay then I'm going to take the over since it's being bet down to forty and a half at this point or do you say okay everyone's taking the under should we keep going under because eventually it gets to the point or you're just going to have to take the over well what I would say when I see that line movement I'm going to touch it so I actually am staying away from the total originally I did I really liked the under I even tweeted about it and said the under in this is the move I'm staying away from the total that's me being fully transparent I will not touch the total in this one because it scares me too much if I had to pick a lean in this game I would say I like the giants in this one to be honest with you about defense I love teams that are strong on defense I think that it's easier for me personally to handicap when I look at strong defense versus strong offense the Washington football team sorry I was like what is there mascot oh the football team having a little weird changing scene yeah I think it is having a weird QB situation on this Thursday night football game as well so a lot of uncertainty there for me the giants who I know have strong defense at least to cover the spread so I'd probably take giants plus three and a half and an interesting stat to kind of back up what you're saying when two winless teams face off the road dog is about 65% against the spread over the last decade and Liv and I are going to do an Instagram live tomorrow and we'll really get into the Thursday night football game and talk about where we leave you guys also odds boost tomorrow Daniel Jones staff one plus passing touchdown at each half versus the Washington football team it's at plus 360 right now let's just know let's do it let's do the girls who bet best bet live unveil it for us it is the chiefs minus three and a half up against the Ravens who just suffered a pretty tough loss to the Raiders on the road I mean the story yesterday but the reality is you have a chiefs team coming off of a full week of rest I know that one day doesn't seem like a big deal but coming off a full week of rest and a win and they are also healthy you've now got the Ravens on the other hand who are coming off of a pretty tough loss and their roster is very very injured I have a little fact for you I'm running it all the way back to 1999 football games but even worse he is one in four following Monday night football games that the Ravens lose one and four so doesn't make me want to lay any money with the Ravens at all so I'm I'm liking the chiefs and I know you are too if you want to explain why you like them but I think chiefs minus three and a half is the move for us so if you got this bet back in June it was minus one when it opened so if you got that June 28th I believe this week on Monday I believe so I was like you know what I should take this now because if the Ravens move tonight it is going to move out so then it moved to minus three by Tuesday morning I actually got it at minus three but it's going to be minus three and a half because I completely agree with you they are healthy compared to the Ravens you just gave a bunch of trends that make a lot of sense to kind of go with the chiefs in this situation I think the way they came out against the Browns they lost the super goal they couldn't lose too straight I couldn't see past my home playing that happened the Browns had such a lead too that I big or may feel as winning the MVP but if he's playing like that and losing games at the end he's not going to win it but nonetheless I think the chiefs is the girls who bet best bet minus three and a half are you fading us are you riding with us please comment it below and start throwing in I can't find it because some of these are coming in quickly the cowboys as their dog I know you tweeted earlier that you like them as one of the dogs this week I did yes I did so it really hurts me you've been through the faith of cowboys so I was surprised you've been tweeted this out I was like maybe she'll just stay away from it this week but you know what one thing you should know about me is to admit when I need to swallow my words and I do believe that I owe the Dallas Cowboys fan base and the Dallas Cowboys and Dak Prescott a little apology because there is no sugar coating this there's no walking around it the cowboys looked great Dak Prescott had nearly 400 passing yards up against the strongest defense in the NFL they looked awesome they kept the game close they ruined my bet I had the bucks to cover they had to f-off they must have tuned in to girls who bet or something because they told me to f-off and I am willing to swallow my words and say I think that the Cowboys look really awesome I think it's worth noting that they played very strong on both sides of the ball I do think that their downfall their defense fell apart to me in the second half I think they got a little weak on defense but to me they looked awesome against the reigning Super Bowl champions they looked great Dak Prescott as far as we can see is healthy and you wouldn't have if I would have watched him again with no background knowledge I would not have thought he was injured last season he looked like Dak Prescott I had no concerns about him so yes I'm swallowing my words and if I had to go with an underdog this week I would go with the Cowboys I think this is kind of their bounce back week they really held their own against the Tampa Bay Buccaneers so I like them to just kind of give it to them and take a win here so who knows I may swallowing my Chargers line keeps moving out I actually ended up putting something on my Instagram story saying take the Chargers last week because everyone on the panel on the battle and taking what to me was like oh no and you know I'm not going to find that game minus seven and a half right now on the Fandals Sports Book this is going to be Mac Jones versus Zach Wilson they'll be playing in New York I wish I had a lead on this but honestly I just they're both rookie quarterbacks I think the Patriots will be able to win maybe if you want to throw minus two 60 into some type of parlay it's not like you're taking the chiefs of the parlay I'd have to go with Mac Jones I feel like you have I don't like five and a half I don't like that number at all it could be like a field goal type situation full transparency though I will not lay my money on that game I will not I'm not touching that game if you're asking me I mean Aaron said it best two rookie QBs no thanks I'm good I'll wait a few more weeks there's so many backers playing one another again that doesn't mean it's not going to be a good football game it just means I personally will not put money on it if I had to lean I would go with Mac Jones and I feel like that's a good point in terms of betting in general you don't have to bet the entire board you can find where you want to bet on kind of hone in on certain games that's what I do Monday I look at the slate honestly week three is already up good at weekly you have walk-ins walk-ins I didn't get for the Eagles I was looking forward to that but yeah I'm excited for NFL week two I feel like week one was good it was a lot of dogs a lot of good things I hope there's a lot of upsets this week I think some favorites are really going to crush dominate we'll see if we overreacted if we didn't Thursday night football terrible but Liv and I will be talking about that again on the Instagram live yes tomorrow night we'll be coming from the fandom sportsbook Instagram I believe it is 730 Eastern time will be live on Insta just taking questions giving you our Thursday night football bets although it is a tragic matchup tomorrow night we will make most of it we will find bets that we like and we will share them with you so make sure you're tuning in on Instagram personal IG and Twitter handles social media but guys thank you for joining us thank you for all your questions we hope that we helped you guys thank you for tuning in next week next Wednesday 8.30 Eastern we'll see you there bye guys see ya


A very good evening aspirants. Welcome to the Hindu newspaper analysis. This video is brought to you by Shankar IAS Academy. Today's date is 14th of March 2023. Displayed here are the list of news articles that we are going to discuss today. As you can see we have eight different news articles for discussion today. So without much delay let us get into the first news article discussion. This article says that currency in circulation in India as of March 2022 is 31.33 lakh crore. In March of 2014 the currency in circulation was 13 lakh crore. This data was presented by our finance minister in Lokshabha. So in this context in our discussion today we'll revise about the concept of money multiplier. See money multiplier refers to the mechanism through which the central banks monetary policy actions impact the money supply in the economy. In India's context it is the RBI's monetary policy. The money multiplier is a numerical value that indicates how much the money supply will get impacted in response to a change in cash reserve requirement that is mandated by the RBI. The cash reserve requirement in India is maintained as CRR. The formula for the money multiplier is 1 by R where R is the cash reserve requirement. Notice that the reserve requirement is in the denomination. So higher reserve requirement lowers the money multiplication. Another important thing that you have to keep in mind is that 1 by R is the maximum possible money multiplier. Now let us see how money multiplication works. The basic idea behind the money multiplier is that banks can lend out a portion of the money they reserve as deposits while keeping some portions as cash reserve. This creates a chain reaction of a lending and deposit creation that can potentially increase the money supply by several times. For example, let us assume CRR in India is 10 % this means that bank must keep 10 % of their total deposits as cash reserves and can lend out the remaining 90 % as we just saw the maximum possible money multiplier is 1 by R. So the money multiplier in this example is 1 divided by 10 % which is nothing but 10. Now coming back to the example, let us assume the RBI prints a 1000 rupees note. RBI gives this money to a person named Raja. Person Raja deposits the entire 1000 rupees in bank A. Under the reserve requirement of 10 % the bank must keep rupees 100 as reserve and can lend out the remaining 900 rupees. A borrower named Maja borrows the entire 900 rupees from the bank A and buys a car worth 900 rupees and from a person named Kaja. Kaja then deposits the 900 rupees that he received from Maja in bank B. Now bank B has a deposit of rupees 900 and under the same reserve requirement bank B must keep rupees 90 as reserves and can lend out the remaining 810 rupees. Now another person named Taja borrows the entire 810 rupees and again the cycle continues. This process can continue with a successive bank keeping 10 % of the deposit as reserves and lending out the remainder. Now let us do some calculations. RBI printed 1000 rupees. Here Raja has 1000 rupees in his deposit account. Maja has a loan amounting to 900 rupees in bank A. Kaja has rupees 900 deposited in bank B and Taja has a loan amounting to 810 rupees in bank A. Through the banking system the 1000 rupees multiplied to 3610 rupees. This is an example of how the money multiplier can potentially increase the money supply by several times in the economy. Also know that by reducing the reserve requirements that is CRR the RBI can increase the money supply in the economy. If you notice I mentioned that one way R is the maximum possible money multiplier right? The actual money multiplier that happens in the economy is expressed differently. It can be mentioned as the ratio of M3 and M0. Here M0 is the reserve money. M0 includes currency issued by RBI. Bankers deposit with RBI and other deposits with RBI. M3 is called the broad money. M3 includes currency with the public, demand deposit with the banks and timed deposits with the banks. In case of India the actual money multiplier will be lower than the maximum possible money multiplier. In India CRR is mostly maintained at 4% H. So the maximum possible money multiplier in India is 1 by 4% H that is 25. But as of 2021 actual money multiplication in India was only 5.2. This is because the usage of the banking system and the penetration of banks in India is not up to the mark. In case of developed economies like the USA the difference between maximum possible and actual money multiplier will not be as wide as it is present in India. So these are also of the important points that you have to remember about money multiplier. A very potential preliminary question area. So make note of all the points that we have discussed. So with these learnt points now let us move on to the next news article discussion. Now have a look at this editorial article displayed here. The article primarily deals with the growth projections of China. Know that China in the midst of COVID-19 pandemic implemented a policy called zero COVID policy. The ultimate goal of the policy was to keep COVID-19 cases as close to zero as possible. To achieve this China has implemented mass testing, quarantined the sick in government facilities and imposed strict lockdowns that even covered entire cities. Due to this tight zero COVID policy economic activities in China were also disturbed. This in turn affected the growth rate of the country and this is the premise based on which the article given here is written. The article says that even after the zero COVID policy of China coming to an end the growth projection of the country has remained low. The article also compares the economic growth profiles of China and India. So this is the overall cracks of the article given here. In this context let us see some of the important points mentioned in the news article. Before that the syllabus relevant to this news article is highlighted here for your reference you can go through it. Now before getting into the content of the article know that Chinese Premier who is the second most influential person of China was recently changed. Li Qichong who acted as the Chinese Premier for 10 years from 2013 to 2023 was removed and Li Kuang a close aide to Xi Jinping who is the Chinese President was appointed to the position. The new Premier Li Kuang has said that achieving the projected 5% GDP growth rate for the year 2023 will not be an easy task. Here the author of the editorial article opinions that see this projection of 5% growth rate itself is very low for the Chinese economy and the author says that this low growth rate is due to the structural declaration which the Chinese economy is undergoing. So now let us understand the structural problems associated with Chinese economy. See Chinese economy is very big unlike Indian economy while Indian economy primarily depends on domestic conception to boost demand in the country. The Chinese economy depends on external demand to push the production inside its territory. This is due to the fact that China is an export oriented economy. You may say India also exports but the scale of demand created by the export sector in China is very huge when compared to India. So now coming the problems faced by China. See the China's export oriented economy is now challenged by the China plus one investment strategy adopted by the western countries. So what is this China plus one strategy. China plus one is a business strategy adopted by foreign businesses to avoid investing only in China and to diversify their supply chains into other countries. This is to be done by channeling investments into manufacturing in other promising developing economics like India, Thailand or Vietnam. Due to this China plus one policy adopted by some western countries FTI inflow into China or reducing. So this is the first major problem faced by China in its economic sphere. Now coming to the second problem see the Chinese government for the past few years has been very hard on the private sectors. It has tightened to various regulations with respect to private industries operating in China. This in turn has led to private industries not investing money back into the economy. When the investment rate is coming down the growth rate will also come down. This is exactly what is happening now in China. This is the second structural problem associated with the Chinese economy according to the author. Thirdly China is planning to produce more jobs. See while producing more jobs is necessary for ensuring equity in an economy the downside for China in this regard is that it will affect its economic competitiveness when compared with countries like India. This is due to the fact that wage prices of Chinese workers have considerably increased over the years when compared with Indian workers. So foreign companies operating in China will not be willing to pay more for the same work which can be done by an employee in India for a lesser cost. This will ultimately result in foreign companies who have invested in China to move towards a more economically viable country to be more competitive. So these are all the structural problems associated with the Chinese economy according to the author. As I already said in the beginning Chinese growth rate is slowing down rapidly. It recorded only three percentage growth last year while it is projected to grow only five percentage this year. The structural problem which we saw earlier is the reason for this slowdown in growth rate. The author ends the editorial by saying that Indian economy in the present condition is more reliant than the Chinese economy. The author says this because the growth projections of Indian economy is higher than China for the current year. This is the reason why even the IMF's managing director termed India as a bright spot in the global economy. So that's all regarding this discussion. Through this discussion we came to know about the structural problems associated with the Chinese economy. Meanwhile we also discussed about Indian economy. So these learnt points and let us move on to the next news article discussion. Take a look at this news article. It says that Avin milk supply was affected in some areas of Chennai. This is because of the contract workers did not show up for work owing to some wage issues. Avin is a state government cooperative under the ownership of Tamil Nadu cooperative milk produces federation limited. So in this context let us learn few facts about cooperative societies in India. So what is a cooperative society? See a business organization can take many forms. One such form is cooperative society. They have unique features of joint ownership and democratic leadership. Let me tell you with an example. Say Sita is a farmer and she produces potatoes. Many farmers in the village produce potato. They sell it individually to a trader. There is only one trader in the village. Here naturally they don't have any other choice. They cannot bargain effectively also. So this gives the trader an upper hand and he will fix the prices. Sita and everyone must sell their potatoes at that price only. So Sita decides to make an arrangement. She calls all the farmers and pulls all the potatoes at one place. See now goes to the trader and says I have thousand tons of potatoes with me. If you are not ready to buy at the price that is convincing for me I will call the trader from nearby village and sell it to him. She can do that because now she has got a bulky quantity and she can find a better market for the potatoes. So now the trader has to come on some terms which is convenient for both parties. Now Sita sells the potatoes and shares the revenue with the fellow farmers. Happy ending. This arrangement is called in modern terms as cooperative society. So we can say that cooperative societies are voluntary organizations of people. Here the voluntary organization is the group of potato farmers. They work together to achieve common goals which is to get a better price for their potatoes. A very familiar example for this is Amul. I hope you understood what is a cooperative society. Here you should also know that it is your fundamental right to form a cooperative society. Yes Article 19 of the Indian Constitution establishes the ability to form cooperative societies as a basic right. DPSP also talks about cooperative societies. Mention the article in the comment section. Now talking about their jurisdiction cooperative commander state subject in the constitution meaning they come under the state government's jurisdiction. So the state legislature enact measures for the incorporation regulation and binding up of cooperative organizations and it is based on the principles of voluntary formation, democratic member control, member economic involvement and independent operation. Know that there are many societies whose areas of operation are spread across more than one states. They are called multi-state cooperatives. Okay. Now what are the benefits for the farmers in forming a cooperative society? See in cooperative societies there are equal voting rights for members. So no one person can dominate the conduct of business. Then the structure of cooperative societies encourages member contribute and shared responsibility. Cooperative societies can eliminate middlemen and bring the profit directly to the hands of the producers. You remember the story of Sita we saw earlier right. She can even choose to sell the potatoes to a potato chip manufacturer directly by skipping the trader all together. Then it gives the members access to credit cooperatives facilitate credit at the nominal interest rate to the members. Also cooperative societies have helped in reducing the influence of private money lenders in rural areas. Then they support the government's effort to improve agricultural production. They act as a bridge between the government and the farmers. For example the government disperses high yield variety H by V seeds and fertilizers through cooperatives. While these are some of the advantages of the cooperative societies they also face certain issues. Firstly there is a lot of government intervention from the beginning cooperative institutions were handled as if they were an integral component of the government's administrative structure. As a result government intervention became an important part of how these organizations functions. Secondly there is a problem of mismanagement. A cooperative society's central idea is to elevate farmers to the level of stakeholders but farmers sometimes find it difficult to manage the institutions. They lack the managerial and business skills. Then they have restricted market coverage. Majority of the societies have only a few members and operate in only one or two locations which means they have limited access to market and they don't know how to market their produce. Cooperatives are unable to develop effective communication and public relations strategies that promote the concept of collaboration among the general population. Then there are functional weaknesses due to shortage in skilled manpower. Some cooperative FPOs hire fresh BSE graduates as CEOs. Then there are other limiting issues like poor administration over dependence on government dormant membership limited capital non-conduct of elections and a lack of professionalism among others. So these are all some of the points that you have to remember about cooperative societies. In this news article discussion we saw about cooperative societies the advantages of keeping them and the issues they currently face. With these learned points let us move on to the next news article discussion. The article says that the number of cases pending before the national company large tribunal as of January 2023 was 21,200. So in this context let us revise about NCLT. See the national company law tribunal NCLT is a quasi judicial body. The tribunal handles matters related to corporate law including disputes between companies and their stakeholders or creditors. Here creditors are nothing but the banks and other lenders. The NCLT was established under the companies act of 2013 and began functioning on June 1, 2016. So what are the objectives of NCLT? See the main objective of the NCLT is to provide a forum for the speedy and effective resolution of corporate disputes. So now we will see about the functioning of NCLT. See one of the key functions of the NCLT is to oversee the insolvency resolution process under the insolvency and bankruptcy code 2016. When a company is unable to pay its debts it can be declared insolvent and placed under the supervision of the NCLT. The NCLT then appoints an insolvency professional to manage the affairs of the company and initiate the process of resolution or liquidity. Secondly NCLT plays a crucial role in facilitating mergers and acquisitions. When two or more companies wish to merge they must seek the approval of the NCLT. The tribunal examines the proposal and ensures that it is in compliance with the relevant laws and regulations. If the merger is approved the NCLT oversees the process of integration and ensures that the interest of all stakeholders are protected. Finally the NCLT plays an important role in resolving corporate disputes. So these are all some of the functioning of NCLT. Now let us see the main advantages of NCLT. See one of the key advantage of NCLT is that it provides a single forum for the resolution of corporate disputes. Prior to the establishment of NCLT such disputes were heard by a variety of forums including the high court, the company law board and the board for industrial and financial reconstruction. This led to a lack of uniformity and consistency in the way disputes were handled and resulted in delays and inefficiencies. Another advantage of the NCLT is that while making a decision the NCLT takes into account the interest of all the stakeholders. This ensures that the resolution process is streamlined and effective and that all stakeholders are treated fairly and equitably. Appeals against the orders of NCLT is heard by national company law appellate tribunal. However the NCLT is not without its challenges. One of the biggest challenge facing the tribunal is the backlog of cases as we saw in the news article. Due to the large number of cases that are filed with the NCLT each year there are often significant delays in the resolution of disputes. This can result in additional cost for companies and can be a source of frustration for stakeholders. In addition there have been concerns raised about the quality of the judgments handed down by the NCLT. Some stakeholders have criticized the tribunal for not providing detailed and recent judgments which can make it difficult to understand the reasoning behind a decision. Despite these challenges the NCLT reminds an important institution in India. By providing a single forum for the resolution of disputes the tribunal has helped to streamline the resolution process and ensure that all stakeholders are treated fairly and equitably. So that's all regarding NCLT. With these learnt points now let us move on to the next news article discussion. Now have a look at this editorial article. This article is talking about data governance in India. The author says that in recent years India has taken many steps towards its digital strategies. India has adopted digitalization to drive economic growth and to improve the lives of its citizens. India has also made significant progress in the use of digital technologies by providing digital access to bank accounts. India is also promoting digital transactions through UPI and other options. Now the increasing digitalization requires a vibrant data infrastructure to store all the information. As we all know India is currently holding the G20 presidency this leadership has provided an opportunity for India to showcase its advancement in the digital arena particularly with regard to data infrastructure and data governance. But according to the author there are some issues prevalent with the data infrastructure and data governance in India. Let us see about them elaborately in this editorial article discussion. Before that the syllabus relevant to this news article is highlighted here for your reference you can go through it. Now firstly let's start with the data empowerment and protection architecture DEPA. See DEPA is a constant based data sharing framework created by Neethi Ayog in 2020. It is a joint public private effort to improve data governance in India and it strives to create a digital framework that allows users to share their data on their own terms through a third party entity. Here the third party entity are known as Consent Managers. So the Consent Managers will share the data on behalf of the stakeholders. The launch of DEPA has generated both excitement and concern about stakeholders. Now let us talk about the advantages of DEPA. See DEPA has the potential to improve data protection and privacy for citizens. This is done by giving greater control to the citizens over the use and sharing of their personal information. Apart from this DEPA could also help to build trust in digital technologies and data governance. This is done by allowing individuals to easily manage and control their data concerns. While these are some of the advantages of DEPA there are certain disadvantages. The first disadvantage is associated with security and privacy. See if the Consent Management tool of DEPA is not properly implemented or managed then there is a risk that personal information could be misused or misappropriated. The second disadvantage is the inconsistency of DEPA. The DEPA may be suitable for some sectors but it cannot handle the issue of data governance across different sectors and jurisdictions. So this could undermine the effectiveness of DEPA and it could create confusion among citizens. So in order to realize the potential benefit of DEPA and to minimize the risks the DEPA should be implemented in a transparent, consistent and secure manner. And for that the government can collaborate with the private sector, civil society and other stakeholders to realize the potential benefit of DEPA. Apart from this the government should develop clear and effective regulations and standards to minimize the risk associated with DEPA. So this is all about DEPA and we all know about the advances in financial inclusion and the successful implementation of UPI in India right. These advancements are aided by digital technologies. But the question here is whether these advancements can be replicated successfully in other areas like health and agriculture. See the use of digital technologies can obviously enhance the access to health care services particularly in rural and remote areas. Then in the agriculture sector the use of digital technologies can empower farmers and enhance their incomes. However there are some concerns on one hand the concern is related to security and privacy. On the other hand the concern is related to infrastructure connectivity and the availability of a skilled human workforce. Apart from this there is also concerns about the potential misuse of data and information in these sectors. For example in the health sector there is a risk of misuse or exploitation of sensitive medical information for commercial purposes. Whereas in the agriculture sector there is a risk of manipulation of market information for the benefit of certain stakeholders. So these are the concerns related to the use of digital technologies. Then there is also another issue it is regarding the ownership and the governance of data that is generated and collected in health and agriculture. See in India there is a lack of proper regulation in data protection. Therefore the government has to play a key role in addressing and resolving such issues. The concerns must be addressed through strong and robust data protection regulations. The development of ethical and responsible data governance practices as well as effective and accountable oversight mechanisms. Now when we talk about data protection we must not forget about data sovereignty. What does the word data sovereignty means? Here the term data sovereignty refers to the principle that a country has the right to control the collection storage and use of data within its boundary. To exercise its right of data sovereignty the Indian government has proposed to set up an India Data Management Office. It is India's remarkable journey towards data sharing and data governance. See the IDMO is expected to oversee and coordinate the implementation of India's digital strategies and data governance framework. So it aims to promote digital technologies that are accessible and affordable for all. Apart from this IDMO will also work to promote the development and implementation of open source solution to ensure that underlying data architectures or a social public good. The implementation of open source and open innovation models under IDMO can act as alternatives to proprietary data solutions that are governed by big tech companies. Here opening up some data infrastructure may be useful in promoting citizen participation and increasing access to information but there are some issues associated with data sovereignty. They are nothing but trust and security. So here the government is coming up with new ideas in the arena of data governance framework but there are no proper regulations and this undermines trust and security. So what are all the solutions to all these problems? See the sharing of sensitive personal or financial information may be harmful to individual and society as a whole because it may lead to discrimination, exclusion and unforeseen negative consequences. So India should follow a middle path between restricting data sovereignty and limitless data flow. Apart from this the Indian government should also need to define the purposes of sharing and usage of data. By doing so India must respect and protect the right to privacy with a robust data protection law. Apart from this India should also balance the interest of all stakeholders including governments, business and citizens for the goal of sustainable development. Finally to meet all these requirements the government should need to focus on developing clear, transparent and accountable data governance policies and regulations. In addition to this the government should make investment in the necessary digital infrastructure as well. This is to ensure that data is collected, stored and used in a responsible, secure and accountable manner. So to conclude India has a unique opportunity to develop and implement a data governance regime. If India do so India can become a model for other countries. That's all regarding this news article discussion. In this news article discussion we extensively saw about the digital era of India that advantages and disadvantages of it and we ended the discussion by seeing the way forward. So with these learnt points now let us move on to the next news article discussion. This article is about Cambodia. The article mainly talks about the issues that are prevalent in Cambodia. On one hand the democratic institution in Cambodia is on the decline. On the other hand the developmental activities that are happening in Cambodia are detached from people's actual needs. This is the essence of the article given here. Although the contents of this article is not very relevant for our examination, we can expect a map related question about Cambodia. This is because Cambodia's general election or schedule to be held in July this year. So as part of this discussion we'll see about geographical location of Cambodia. Now look at this map. What are all the information that you can gather from this map? First Cambodia is not a landlocked country. The water body that is closer to Cambodia is the Gulf of Thailand not the South China Sea. Also you can note that Laos is the only landlocked country in this region. Secondly you can notice that Cambodia is bordered by Thailand, Laos and Vietnam. Also except for Cambodia and Thailand all other countries in this region have a border with China. Okay? Thirdly you can notice that no major latitudes equator or tropic of cancer process through it. Then you can see that the Cambodia capital Phunam Pen is located on the banks of river Mekong. Also you can notice that though the Mekong river passes through Cambodia, it does not reach the sea in Cambodia. The Mekong river passes through Vietnam and empties into the South China Sea. Then you can notice the highest peak in Cambodia in the map. It is none other than Phenom Aural. You can also notice the Tonle Sap lake in the map. Tonle Sap is the largest freshwater lake in Southeast Asia and it is an important source of fish for Cambodia. During the rainy season the lake's water rise and its overflow feeds into the Mekong river. You can also notice the Cardamom mountain. The Cardamom Mountains are located in the southwestern Cambodia and are home to a diverse range of wildlife including tiger, elephant and clouded leopards. UPSC might ask us about the location of the capitals of the cities in this region. The northernmost is the Vientiane of Lavos. Then there is Bangkok of Thailand. After that there is Phinom Pen and finally the southernmost is the Ho Chi Minh city of Vietnam. Finally since Angokar Wat has been in news UPSC might ask about the relative location between Angokar Wat and Phinom Pen. Angokar Wat is located in the northwest of Phinom Pen. I hope I have covered most of the map based UPSC relevant data relating to Cambodia in this discussion. So these learnt points now let us move on to the next news article discussion. See OE Kenzebiro won the Nobel Prize for literature in the year 1994 for his poetic fiction work. This is what is given in this small article. In this context let us learn about Nobel Prize in prelims perspective. See Nobel Prize or monetary prizes which are awarded annually from a fund created by the Swedish inventor and industrialist Alfred Nobel. In the year 1895 Alfred Nobel signed his last will and testament giving away his personal wealth to a series of prizes in physics, chemistry, medical, literature and peace. These prizes only after a certain period of time came to be known as Nobel Prize. The Nobel Prizes are widely regarded as the most prestigious awards given for intellectual achievement in the world. The Nobel Foundation, a private institution, oversees the Nobel Prizes. The Foundation tries to fulfill the intention of Alfred Nobel to award Integers with monetary prize for intellectual brilliance. As I said already the Nobel Prize are given to achievers in the field of physics, chemistry, physiology or medicine, literature and peace. But it is to be remembered that an additional award called Swarajas Riks Bank. Prize in economic science it was established in the year 1968 by the Bank of Sweden in the memory of Alfred Nobel and it was first awarded in the year 1969 even though Swarajas Riks Bank Prize is not technically a Nobel Prize it is identified with the Nobel Award. It's winners are announced with the Nobel Prize recipients and the prize in economic sciences is also presented parallelly at the Nobel Prize Award ceremony along with the recipients of five other Nobel Prizes. Numerous Indians in the past have won the Nobel Prize. The first Indian to win the Nobel Prize was Rabindranath Tagore. He won the Nobel Prize for literature in the year 1913. So, C. V. Raman has also won the Nobel Prize. He won the Nobel Prize for physics in the year 1930 for his work on the scattering of light. Kailash Satyarthi an Indian social reformer who campaigned against child labour in India has recently won the Nobel Peace Prize. He was the co-recipient of the Nobel Peace Prize along with the Malala in the year 2014. Other than these Indians some more have also won the prize. I have provided the list of Indians who have won the Nobel Prize here for your reference. You can pause the video and go through it. So, that's all regarding this news article discussion. In this news article discussion we saw briefly about Nobel Prize. So, with these learnt points now let us move on to the next news article discussion. Now take a look at this editorial article. This article is talking about the recently released index of industrial production IAP for January month. See the IAP grow to 5.2% in January 2023. In December 2022 the IAP stood at 4.7 percentage. So, the IAP increased in January 2023. According to government data the growth was mainly because of the good performance of the power, mining and manufacturing sectors. So, this is the cracks of the news article given here. In this background let us understand few facts about index of industrial production IAP. See the index of industrial production IAP is computed and published by the National Statistics Office NSO on a monthly basis. Know that NSO is functioning under the Ministry of Statistics and Program Implementation. IAP is used to measure the manufacturing activity in various sectors of an economy. IAP measures the amount of industrial production over a period of time with reference to a base year. At present the IAP is calculated using 2011 to 2012 as the base year. Know that the base year was changed from 2004 to 5 to 2011 to 12 in the year 2017. IAP is a composite indicator that measures the growth rate of industry groups. Here the industry groups are classified into two sectors. Firstly the broad sector it means mining, manufacturing and electricity. Secondly the use-based sectors it includes basic goods, capital goods and intermediate goods. So, we can say that IAP tracks the manufacturing activity of many industries but notably the eight core industries in India comprise about 40 percent weightage in the index of industrial production. Those eight core industries include electricity, crude oil, coal, cement, steel, refinery products, natural gas and fertilizers. Now talking about the significance of the IAP index of industrial production is one of the prime indicators of the economic development in India. The macroeconomic data obtained from IAP is very important for policy makers as it showcases the current state of important sectors. Apart from this IAP is also used for the calculation of the quarterly and advanced GDP estimates. That's all regarding this news article discussion. In this news article discussion we saw in briefly about IAP. Make note of all the points and revise it once before prelims examination okay. So, these learned points now let us move on to the next part of the news article discussion which is the preliminary practice question discussion. Now look at this first question. This question is about noble price. You have to find the incorrect statement here. Statement one noble price is awarded annually for achievements in the field of physics, chemistry, physiology, literature and social science. See this statement is actually incorrect. Here instead of social sciences it is actually awarded for peace and it is awarded annually for the achievements okay. So, the first statement is incorrect here. Statement two only three Indians have received noble price thus far. See this statement is also incorrect. More than three Indians have won the noble prices. We saw that in the discussion itself right. So, the correct answer for the question is option C one and two because both the statements are incorrect here. Now moving on look at this question about Mekong river. Mekong river passes through which of the following countries. Firstly China, Myanmar, Thailand, Laos, Cambodia and Vietnam. Here the answer is option D one two three four five and six because it just passes through all the countries mentioned here. Now look at this question related to index of industrial production. Statement one it is released monthly by the Office of Economic Advisor which is functioning under the Ministry of Commerce and Industry. This statement is incorrect. We saw that in the discussion itself right. It is published by NSO National Statistics Office on a monthly basis. NSO is functioning under the Ministry of Statistics and Program Implementation. Know that the index of eight core industries won the published by the Office of Economic Advisor okay. Now the second statement says currently the IAP is calculated using 2021 to 22 was the base year. This statement is also incorrect. I present the IAP is calculated using 2011 to 2020 12 as the base year. So the correct answer for the question is option D neither one nor two because both the statements here are incorrect. Now moving on to the final question consider the following statements about National Company Law Tribunal. Statement one it is a statutory body established under the Insolvency and Bankruptcy Code 2016 to agiricate on insolvency and bankruptcy cases. See this statement is actually incorrect. It is a judicial statutory body but established under Companies Act 2013. Statement two says NCLT has jurisdiction over companies limited liability entities then individuals and partnership firms. This statement is also incorrect because NCLT has jurisdiction over companies and limited liability entities but it does not have jurisdiction over individuals and partnership firms. Debt recovery tribunal has jurisdiction over individuals and partnership firms. So the correct answer here is option D neither one nor two. Okay. Now the question displayed here about the money multiplier is the problem quiz question for you today. Just go through the question. It is a very easy question. Try to answer it in the comment section. The practice minds question for today's discussion is mentioned here. You can go through it try to write an answer and post it in the comment section. With us we came to the end of the news article discussion. If you like the video hit like, do comment and don't forget to subscribe to Shankar A.S. Academy YouTube channel. Now thank you for listening.


Hi, my name is Sarah Sanderlin and I'm with the University of Hawaii Manoa School of Nursing and Dental Hygiene. And my most memorable time on the USNS Mercy was in providing subject matter expert exchanges with the disaster response activities that we did in all four countries. During those times it was really great to see our host nation members recognize that not only does the US have many of the same types of disasters and unfortunate events that they have, but that we could learn from each other in these activities so that we're better able to come back and help out those countries if needed, but the reverse is also true. Many of our US countrymen are all over the world and in disaster situations they may be in one of these countries that we visited and there would be help available not only to them, but also to those host nations to provide services and exchange information on how best to provide their communities with resiliency.