That's a huge thing. Would you be able to do this? I did it on machine. I'm going to do it. I'm going to do it with a shirt. I'm going to do it with a shirt. I'm going to do it with a shirt. I'm going to do it with a shirt. of saying happy Labor Day weekend everybody and welcome to another Sunday here at First Unitarian Society where independent thinkers that would be us gather in a safe nurturing environment that would be this to explore issues of social spiritual and ethical significance as we try to make a difference in this world. I'm Steve Goldberg a proud extraordinarily exciting member of this congregation and I'm especially excited to extend a warm welcome to any guests visitors and newcomers if this is your first time at First Unitarian Society I think you'll find that it's a special place and we'll be conducting a guided tour after the service if you're interested in learning more about our special buildings just gather over here by the windows after the service and we'll take good care of you. And speaking of taking care of each other this is a perfect time to silence those pesky electronic devices that you will not need for the next hour because instead you'll be sitting back or leaning forward to enjoy today's service which I know will touch your heart stir your spirit and trigger one or two new thoughts. We're very glad that you're here and I invite you now to join in a moment of centering silence so we can be fully present with each other this morning. The remaining standing for opening words in the lighting of our chalice. As we gather this Labor Day weekend we invoke the deeper connections between matters of the spirit and the work done by all those who labor in our world and so many of our sources of wisdom call us to heed these connections from our principles themselves the inherent worth and dignity of every person justice equity compassion in human relations and the interconnected web of all of existence of which we are a part. We also invoke the spirit of our forebears Aiden Blue and Horace Greeley who set the tone with so many many other Unitarians in Universalists and their outspoken and wise support of justice within our labor movements. And as we come together this morning we invoke Jacob traps words that recalls to worship is to work with dedication and skill to worship is to pause from work and listened to a strain of music. May we now join together in the lighting of our chalice the words are printed in your order of service as together we say we enter this meeting house for kindness and comfort may rough worn hands and aching backs be healed we enter this meeting house dope and joke they are still regular we enter this house house of love invocation may our bonds of solidarity be strengthened may we enter this meeting house of courage and friendship may we proceed hand-in-hand toward freedom may you turn towards each other and offer a friendly greeting for this Labor Day we decided to do a special time of lifting up the importance of our connection with labor those that work and how it really highlights the interdependence that is such an important part of who we are and also to use that as an opportunity to lead into a special time of joys and sorrows as we move into a time of change where many people's lives go into a different rhythm as we enter into September and we have many newcomers and many folks who have made their way somewhere else both students and workers and so for just a moment I invite you before we move into joys and sorrows to take a moment to really center yourself here to find a way of sitting in the seat that feels balanced and if you're comfortable doing so for both of your legs your feet to connect with the earth itself to deeply center yourself and ground yourself with the planet earth and for just a moment I invite you if you're comfortable to do so to close your eyes and to let your breath bring you into this space fully with each breath may you invite in the very gift of life and hold it within your body as a blessing and as you breathe out may you offer that blessing and that life forward to all each breath bringing you more fully present in this time in place and from that place of grounding and life itself may we remember our connection with those people around the world that often work behind the scenes in difficult places and conditions often poorly paid and in difficult dangerous working conditions may we remember that in order for any event in our life from the food that we eat the homes where we live all that we do throughout the day there are thousands of people connected with our lives may we indeed offer them the blessing of healing for their hands and their backs given to hard work may we indeed find new ways to offer justice to all workers around the world may we indeed pull from a deep spirit of love and our own calling to feel connected with all people in their journey and may our courage and our friendship bond us in the continuing work of freedom and justice we turn our minds and our spirits also to our own lives and the lives of people that we love in a few moments we will invite you if you would like to do so to come forward and light a candle to represent either that joy or sorrow you are invited as you come forward to use the microphone that will be provided by our way minister and smiley introduce yourself and briefly share a message you may also wordlessly light a candle and return to your seat and if you are unable to light a candle we'll be happy to come to you and then light a candle on your behalf you may have arrived here with deep sorrows in your life that need the help of this community you may have arrived here with meaningful celebration and wish to share it either way this is an important part of our community and we invite you to feel welcome whether new or a continuing member to share this with our gathering so I now open the floor for the sharing of our sorrows and our joys to life because my son and daughter-in-law are in labor right now teacher is very nice in schools gonna start soon so I'm just really happy about that I'm Elizabeth I'm lighting a candle of healing for Richard scoby who's a member here he had knee replacement surgery and is recovering at home this candle for my teacher I like how she is nice and I hope she be nice forever my name is Claire and I'd like this candle in sorrow for yet another mass shooting in Texas and may we hold them in compassion and love I'm more home I'm letting this candle for my mom who visited me after a year from China and she also import my dog from China here her name is dumpling she's six year old we are three weeks away from our next daughter and there's a lot of work left to do but done a lot of work too and we're very excited hello this is a joy my partner and I just relocated to Madison two weeks ago we've been global nomads since last March and are very happy to not be living out of our tent anymore welcome welcome so speaking of moving this is in celebration of my son Max Goldberg I had the joy of moving him to Chicago this week where he's enrolled in the photography program at Columbia College Chicago good morning I am very grateful to be here today and to say that today is my granddaughter Hillary's birthday on on the first of September I am blessed I'm Brenda Warren and I just moved here two weeks ago from Tennessee you may can tell from my accent but my son and daughter in law and children and grandchildren here but I have to say I'm really homesick for Tennessee even though it's a great city I visited him them for the past 14 years once a year but I am homesick for Tennessee so that's why I'm letting him thank you this one is in many of John this one is in sorrow for the loss of the biodiversity that is occurring as we sit here particularly the Amazon and other precious places on our planet that are certain certainly at risk and if you could like two candles please this week we got a phone call that sort of called us into deeper connection with other communities of faith in our community in our world and we were asked to offer special prayers for Ava love and her family Ava is the daughter of one of the pastors at Heartland Church and son Prairie and she was in a serious accident last week and remains in critical condition across the street at Children's Hospital and so we join with other communities of faith and offering our own prayers and thinking about her with her being just so close to us hoping for healing and recovery and we light one last candle of all the joys and sorrows that are present both in this room and in our larger community in our live stream community on the radio that yet remain unspoken may we hold these in our hearts as well may these times remind us of the power of community the power of love the power of care we bless them all in the name of that love amen and blessed be I invite you to rise in the ways that we do and remember to keep your hymn hymnal in hand after we sing the hymn we'll join in a response of reading but let's begin with 134 our world is one world we invite our children as we sing together to go to summer fun we look forward to hearing about your adventures at the end of the service round about the clouds that cover us the rains that fall ink affect us all the widows with love or hate ways of wealth affect us all rich or just like a ship that bears us all if you will turn to the back of your hymnal number 567 567 we will turn to the poetry of marge piercy and I invite you to respond in the italicized portion of the text I want to be with people who submerge in the task who go into the fields to harvest and work in a row and pass the bag along who stand in the line and haul in their places who are not parlor generals and field deserters but move in a common rhythm when the food must come in or the fire be put out the work of the world is common as mud botched it smears the hand crumbles to dust but the thing worth doing well has shape that satisfies clean and evident greek amphoras for wine or oil hopi vases that held corn are put in museums but you know they were made to be used the pitcher cries for water to carry and a person for work that is real herein's our reading you may be seated before we move into our special music sorry about that linda I am going to do a quick introduction of our speakers so that she can move into the sermon we are really very very happy to have sister marie mcdonnell here she is a sensinalic catholic dominican and she said to make sure to add that she is of the edward variety she worked at edward college for 21 years in their spiritual guidance department and continues even though she is retired she is certainly very busy doing spiritual guidance obviously volunteering in various ways to speak about worker justice and has been active in worker justice for many many years she also will talk a little bit about our recipient today worker justice wisconsin sister marie we're very happy to have you here with us today may we receive the gift now of music what a lovely introduction from pastor dug and from the music and i just have been so aware of how the lyrics in the songs that we've sung already and in the reading are so appropriate for what i'm going to be speaking about today and for this labor day weekend so i thank you for welcoming me today and i know that you've had speakers before representing worker justice wisconsin but you might be more familiar with the name interfaith uh interfaith coalition for worker justice i almost forgot it because we're trying to make the transition to the new merged community name but um two people formerly on your staff here um were very connected with the interfaith coalition for worker justice um formerly on your staff uh one has served on the board with me for a number of years and the other has been the executive director of the organization um so your former senior minister michael schuler served on that board with me a few years ago and becky schiegel who was your peace and justice coordinator here uh was both the executive director herself and before that for a number of years was the assistant to the a different executive director in fact i found in my file um the program from september 6th 2015 and that was when michael was your labor in the pulpit speaker um i was obviously here because i had taken copious notes all over the program which proved to myself that i paid good attention to what what he was saying and it was an excellent reflection so the focus of michael's reflection that day which i would like to remind you of and remind myself of was quote work as a spiritual practice i think we don't often look at work in that way but i think it's important to have that um vision of it he says this is the gist of my notes from michael's uh talk four years ago a worker can make her or his work a spiritual practice by making of an ordinary job something extraordinary i really like that making of an ordinary job something extraordinary how does one do that first by consciously setting an intention for one's work so let's take a few moments right now within ourselves to think about what your own intention might be for the work that you do now either a paid job or at home on behalf of your family or others with whom you live or as a student a parent grandparents ask yourself what could be an interfaith uh excuse me what could be an intention that you make for yourself in the work that you do right now and secondly we need to resolve to act on that intention otherwise it won't matter what we intend if we don't act upon it then according to michael the third aspect is we try to do our work with mindfulness sometimes a small break in the midst of work can help us remember that intention and call it back to mind and renew it it might only take 30 seconds but if we're thinking of the intention for which we're doing this work it sometimes can help us a lot as we move through the work and finally we send out messages to the world as we work we can communicate love or suffering or compassion or boredom we choose what we communicate about our work and about the world so great thanks to michael for his thoughts on work as a spiritual practice before we go any further i'd like to share a little bit um doug has shared what i was thinking of sharing about myself and that is quite sufficient um but i would like to say too that um i served on the board for ic wj for about seven years until the beginning of 2018 and um more recently i began to serve on a new entity connected with worker justice wisconsin and that new entity is called a faith advisory council and we're in the very early stages of that we're not sure what we're to do yet but it's becoming clearer as we meet the organization itself is now called worker justice wisconsin because as i mentioned a merger happened in late 2017 which brought together two separate organizations which are and have really been very connected to each other but um it brought together the interfaith coalition of worker justice and the workers rights center that center is located in the wj office at the labor temple on south park street personnel at that sir at that center offer direct help to the 500 plus workers who come through their doors every day every every year 500 plus people different individuals come to the workers rights center every year to get help for a variety of reasons the new organization aims to do a number of things first to build worker power um we probably are very aware all of us that workers are kind of on the lower rung in society uh lots of times and especially immigrant workers um so to build worker power through labor rights education people need to know what their rights are as workers otherwise they cannot assert their own rights um the worker justice group also works toward collective action and community engagement and emphasis on interfaith involvement so all four aspects are really important the education aspect the collective action the engagement and interfaith aspects an example of the kind of work that we do is to implement wage theft safeguards to protect workers especially immigrant workers from broken promises by employers this happens this wage theft happens a lot all over the world and in madison of course um and it happens because employers can choose to pay a lower wage than was agreed upon with the worker or even pay no wage at all in some cases which is hard to believe but it does happen over 30 percent of the workers who come annually to the center are suffering wage theft so 30 percent of those 500 plus people have had their wages either underpaid or not paid at all so worker justice wisconsin aids workers to create signed contracts with employers so that there is written evidence of the legal agreements that have been made and therefore it was possible in 2018 for workers to reclaim almost a hundred thousand dollars in the madison area in southwest wisconsin a hundred thousand dollars in legally owed but unpaid wages that's quite significant for people the workers rights center also uses english and spanish handbooks to provide services like legal advocacy understanding of benefits and humane working conditions on part of the workers they need to know what they can expect from their employers and they also try to help people know that they need to organize and they have the right to organize and participate in collective bargaining we know in our area that's been um i would say under fire since 2011 hasn't it and we're maybe gradually trying to recoup that power of collective bargaining but it's a long road worker justice wisconsin also works to build relationships between the religious and the labor communities which is a natural collaboration virtually all faiths have teachings about the value of work and justice for workers here are four short statements from world religions that illustrate these teachings first from the jewish tradition from the book of deuteronomy quote you shall not defraud a poor and needy hired servant whether they be one of your own countrymen or one of the aliens who live in your communities you shall pay them each day's wage before sundown on the day itself since they are poor and look forward to the wages otherwise they will cry to god against you and you will be held guilty unquote next from the letter of james from the christian tradition quote listen the wages of the laborers who mowed your fields which you kept back by fraud cry out and the cries of the harvesters have reached the ears of the god of hosts unquote and third from a manual of hadith from the muslim tradition quote when you hire compensate the workers and treat them fairly unquote and finally from the buddhist tradition quote aware of the suffering caused by exploitation social injustice stealing and oppression i vow to cultivate loving kindness and learn ways to work for the well-being of people animals plants and minerals unquote i think each of these each of us tries to figure out how we as people of faith live out our beliefs about service to others and especially to those with very little voice and power to respond to that question for myself of how do i live out my call my vocation to service it's probably best for me to stick to what i know best which is what my catholic tradition teaches about how to work for justice and with workers so i begin that part by reflecting on three of the traditional ten commandments which are foundational in both judaism and christianity of course and they are found in different forms in islam so in the first commandment god says to humans you shall have no other gods before me jesus confirmed that we are not to worship false gods including the gods of greed and self-aggrandizement at the expense of others so that's the first commandment in the fifth commandment god says you shall not murder this includes of course cooperating in any way with avoidable harm or threat to the dignity and welfare of other humans what could be more harmful to others than aligning oneself including purchasing goods with factories in bangladesh and elsewhere around the world that allow conditions resulting in thousands of deaths of workers not to speak of the daily existence of those workers in terrible working conditions and fear of harm every day and we realize that the unspeakable evil of human trafficking both for labor and for sex is a huge part of this how the commandment to not murder not harm not threaten and the the seventh commandment is you shall not steal we see much evidence of employers stealing wages and benefits from workers and their families all over the world and here in madison if we knowingly support these restaurants or manufacturers or businesses of any kind we too are stealing i think that's a heavy responsibility and it's a hard saying but jesus was known for hard sayings and the profits were known for hard sayings we might say well we don't know who is operating businesses unethically so how can we avoid supporting them i think we need to make it part of our responsibility as people of faith to learn who is producing the goods and services that we enjoy and under what conditions and then using our power as consumers to support ethical businesses and speak up about the injustices that we become aware of we do make powerful ethical and moral choices when we use our purchasing power our power as consumers to give a personal example i was privileged to travel to el salvador three times with groups of students from edward college this was years ago mainly in the nineties but since then i have determined not to purchase goods made outside the united states i look for goods preferably with a union label on them and as you all know this is very difficult to find right i don't i'm not much of a shopper at all because i don't need much stuff but when i go looking for something i can hardly find something made in the united states um and i'm sorry to say that possibly there are some sweatshop conditions in the united states but if they are union made i think it's it's usually a pretty good um indication that it's made under just um conditions so if you check my closet you would find some clothing with labels indicating that it was made outside the united states but i can say that i hardly ever purchase new clothing choosing instead to shop at st vinson d paul so you know always a fashion plate i really i really pride myself on that but reusing and recycling are my purposes in shopping at st vinson d paul reusing recycling as well as helping a very good organization one that i trust on the other hand i decided years ago never to purchase things from wal-mart or amazon because regardless of what they say in their advertising i believe they often do not treat their workers well or their consumers and they hurt smaller businesses because of their giant size and their ability to undercut prices so this is a complex issue this one choice that we make as consumers is very complex and i do not mean to place any guilt on anyone else this is my responsibility and i just want to share with you a little bit of my decision-making as i go about being a consumer and of course i do not do this perfectly but i am moving toward being more just in my own purchasing practices and finally i would like to spend a little time on the long but not well known tradition of catholic social teaching even many catholics have no idea of the hundred and thirty year tradition of catholic social teaching um which is it always makes me sad to think about that because these seven major themes are so important and they would make such a different difference in the world if we were to really live by them so um i'm not going to speak on seven but i'm going to take three that i think are very specifically related to workers and to worker justice um the first one is about the dignity of work and the rights of workers and that teaching states that the economy must serve people not the other way around that work is more than a way to make a living as your quotation on your program today says work is much more than just a way to make a living although that's very important but work is a form of continuing participation in God's creation we had a sorrow represented about that today how do we participate in God's creation therefore the dignity of work and the worker must be protected that is done by ensuring the right to productive work to decent and fair wages to the organization and joining of unions to private property and to economic initiative all of this is meant to promote the common good i think just i think just those two words the common good is essential to remember about um all of life but specifically how how our workers treated um a second theme of catholic social teaching that i'd like to briefly speak about is solidarity we are one human family whatever our differences and as the world gets more and more interconnected and interdependent we become more and more aware of the need for solidarity and how we affect each other loving our neighbor as we love ourselves has global dimensions in this shrinking world where we are all interconnected and at the core of solidarity is the pursuit of justice and peace and again the common good and finally there's the theme of the life and dignity of the human person this is the foundation for a moral vision for society the bottom line is that every person is precious made in the image of god all persons are more important than things all persons are more important than things the measure of every institution is whether it threatens or enhances the life and dignity of every human person especially the poorest and most vulnerable again the common good and we see threats to this on all sides don't we so in this catholic tradition for of almost 130 years long we have had strong statements from popes and other leaders supporting concrete ways of living out these teachings and promoting the rights of all these are far deeper than quote political rights i firmly believe they're far deeper than political rights they are moral and human rights undergirded by such powerful statements as the universal declaration of human rights promoted by the united nations just think if the us were to support the un as it deserves think of what a difference that alone could make in the world so our tradition is clear labor and workers have priority over profits and capital dignified human labor is essential because it both contributes to the ongoing development of the world and it helps transform us individuals who work into better fuller human beings so there's the global effect of just labor and there's the personal effect of just labor as we approach the climate strike and i saw your sign out front here on september 20th i know you've been hearing about that a lot and hopefully the whole world will participate in this that this is the purpose the climate strike on september 20th we know that there are many positive aspects of transforming changes that we're being called to in this one area of climate not the least of these are the dignified creative jobs which workers may take on as a result of transforming our systems on behalf of our beautiful mother earth our only planet our only home as marge pierce so eloquently says in your reading today the pitcher cries for water to carry and a person cries for work that is real and then just that little word real think about all of that means work that is real and we're going to sing in our closing song a song by caroline mcdade echoing dr king's words and these are the words that especially struck me as i uh read that those lyrics will build a land where we bring the good tidings to all and give them garlands instead of ashes where peace is born restoring ruins of generations where sisters and brothers may then create peace and where justice shall roll down like refreshing life-giving waters thank you bravo sister marine you are words and your authentic presence speak volumes in a time where we really need to remember how deeply connected we are so i remind you as we move into our time of offering that 50 percent of the offering will go to workers justice wisconsin you've heard a lot about their work and how essential especially now that attention is so as we give and receive the offering may that deep sense of interconnection in justice inspire our generosity so may it be thank you for your generous support during the offering of worker justice and speaking of workers and all they do to make things possible and smooth um we get to thank our volunteer workers for their effort to make this service run smoothly talking about david bryles who operated our sound system and smiley our lay minister thank you also to claire box and joist carry for greeting us upstairs as we arrive this morning thank you to our ushers lyseman row dick goldberg pamela mcmullan and walley brinkman it takes four ushers to deal with this unruly crowd karen rose gredler is staffing the welcome table in the commons during our hospitality hour and speaking of hospitality the coffee and hospitality are hosted by gene hills and sander plush john powell is our tour guide and hannah pinkerton is making sure that the pulpit palms have the right amount of moisture uh just a few announcements for you uh one uh our first friday film also known as dinner in a movie is going to be offered here on friday september six um a good opportunity to see a film about capitalism and the climate i don't know if that's an oxymoron or not but that's what uh we're we're going to be focusing on during that dinner and film starting at 545 this friday uh speaking of schedules i think you're all aware but i'll remind you that uh this coming weekend next week we go back to f us standard time and we have a saturday service at 430 and we have two sunday morning services one at nine and one at 11 so if you come at 10 you'll be just in time for the hospitality hour and the last announcement also concerns the calendar on september 13 and that whole weekend we are celebrating a welcome back weekend as we welcome everybody back from their summer activities and uh on friday the 13th don't get worried about this we will have food carts and an opportunity fair and all kinds of things to celebrate the return of our normal weekend schedule and welcoming everybody back from summer so end with the announcements thank you steve may we rise in all the ways that we do and join our voices together in him number 121 will build a land apt is go free where the oysters and brothers anointed but and peace lie up devastations from old restores and brothers anoint where job resound from spirits once faint and once weak will i go and peace and now as we prepare to go forth from this place on this holiday weekend may we turn to our spiritual practices ones of intention ones of deeper connection ones of interdependence remembering how important we all are to each other and to the earth itself we extinguish this chalice but not the light of that ancient and deep wisdom not the power of our commitment to changing the world now when it needs it so deeply not to the warmth of love which we live every day in our lives until we gather in this place those powers will be in our lives until we gather here again so may it be and now may you take your seat for one more gift of music as we receive the post loot


The Biomedical Engineering Program is a new program that we have at UWM that's offered both to undergraduates as well as graduates. And this is a multidisciplinary program that we're really excited about that focuses on health and engineering for health. You're going to have those anatomy classes, you're going to have biology, you're going to have chemistry, and if that interests you, definitely consider Biomedical Engineering. You can go so many different places with it. You can go into industry, you can go into research. You can go and develop products for hospitals. I wanted to use that background of circuitry and stuff, and you know, I always like a manufacturer and I have 3D printers you can see at home, so I mix it too, and then you get biomedical engineering. We are teaching the engineering things and the medical things, and they will know how to design a biomechatronic system. If you go to the hospital, you will see everything's there, you have a medical engineer to make those things. According to the Bureau of Labor Statistics, the career of biomedical engineering is expected to grow faster than average between now and the year 2024. And UWM as an R1 designated research institution is a fantastic place for students to come and to gain experience, not only here on campus with faculty, but because of our connections that we have with local businesses. As a recruiter for GE Healthcare, we're very excited to have UWM having a biomedical engineering major now, because it will create a great pipeline of candidates for GE Healthcare, being a large manufacturer of large medical devices. UWM has done a fantastic job working with the medical college as well as freighter and children's hospital. It's great to see that kind of collaboration, since biomedical engineering is essentially a lot has to do with people and human anatomy. And employers are looking for that. The job opportunities are there across the nation. Biomedical engineering is one of the top career options for students.


What's up everybody? Jason here for jasperjasebase.com. We just sold out 21-22 the cup hockey one box break number five Matt actually just sold it out as a personal. So You know, it's gonna do it as a person guys. This was our last box remaining. So thank you Matt. Good luck And let's do the break and I think it was a clean hit too.  You know, they think they're all fast and just go to go around you, but You can just check them and hit them at the same time. Yeah, the cup is like two years behind Matt I'm thinking that there's gonna be a time where they're gonna have to do like a double class really You know Because it's just it just they're just too behind and Everybody wants Conor Bedard right now. So 71 out of 249 Uh Rosalvik, let's get you something nice. Good luck We got a patch autograph of Fabian Zutterland and I know bro. That's crazy, right? They're not that behind on 22 23 stuff when it comes to like hobby stuff They just need to release kind of the more higher-end stuff including cup, but they just barely released 21 22 and A Little bit of a teaser there, but Ryan new gin Hopkins to 50 These are for my number one pig as well. He's kind of stuck around though You know terrible, but I Was like is that I don't know Yes, it kind of yeah But it's just so funny when I had a little cut off or whatever thing came out. It's funny. Nice mark. Andre flurry the flower 10 out of 15 never bad to get flower The quad relic and autograph when he was on the Hawks He's bounced around so many times since you know being the Vegas go-tender and the inaugural, you know Vegas year, you know when they drafted him, but man everywhere he goes. He still plays it fantastic We got this show William Eklund To 99 and last one here is just a base rookie Count York to 249. All right, buddy. There you go, man Still some nice ones there with that mark Andre flurry and Ryan new gin Hopkins Which in the RP was gonna be a little bit better, but again some nice hits right there, man Thank you so much last box here cup. Jasper's case breaks.com


We have three kids and we have Harley who's five. We hope that she'll always be staying small and wonderful and sweet. Griffin who's eight. He loves to be outdoors and play sports. I have Jack who's 13. Who loves to be the boss and in charge of everyone. Jack who's going to be going to college in about five years. I can hardly believe it. We're just getting by right now and barely at, you know, that. So we can't imagine where we're going to take the money from to save for college. I'm really excited to meet Stacy and Danny. The thing that I really want to help them understand is where the money is going. What's coming in, what's going out. I base a lot of my financial planning on cash flow. The truth is that we don't really track our expenses and know what our budget is as we should. So the first step is really getting their finances organized, having them understand how their bank accounts flow and having them understand where their money is going in terms of their expenses. The thing that is toughest is to know how much you're spending on all the discretionary stuff. Go back the last three months and just see where the money went and then see what those categories are where you're like, ooh, that was kind of money. I don't even remember spending. When we did Pam's questionnaire and broke out all of our expenses, one of the places that I've noticed that our costs were higher than I expected was in our car insurance. I found that by switching over, we'd be able to save a lot of money right there alone. So we had a follow-up question that we wanted to ask you about. We're really interested in the 529 plan and we wanted to know a little bit more about it, how we go about doing it. So if we set up the 529, how do you choose what kind of investments it goes into? And so they actually have in 529 plan something that's awesome is what's called age-based portfolios. So you just say, hey, Jack is 13 and then every year you just move it to his new age and it automatically adjusts the portfolio to the right-risk level. The thing is you have essentially five to nine years, right? Because Jack's going to be in college for four years. So some of the money will probably be invested less aggressively so that you can start paying for fresh and near expenses and then you can invest some of the money more aggressively to pay for senior year expenses. For now, if you have a kid that's going to college in the near future, a 529 plan might be a great option. All of the growth in the 529 plan is tax-free as long as you use it for education expenses. So if you put $10,000 in, it grows to $15,000, that entire $15,000 can go to education. That's so important for us to start saving for college. And then the next thing is figuring out how much they can save every single month just for long-term savings. Just to get into the habit of saving, I may also recommend that they stop using their credit cards for a little bit and just use a debit card to feel what it feels like to spend the cash that they have and showing them just a couple little things that tweak how they see their finances. The look of relief on their faces is so rewarding. It's a positive and we feel really good about it. Even if it might be late, it's better to start now versus... I feel late forever.


They say that everybody talks about the weather, but nobody does anything about it. Well, our Miss Brooks, who teaches English at Madison High Summer School, tried to disprove this theory last week. Yes, I made up my mind to at least stop talking about the weather. But last Wednesday morning, while I was having breakfast with Mrs. Davis, my landlady, I found that I'd been harboring a utopian dream. Phew! Hot enough for you, Connie. Yes, thanks, plenty. I read in the paper where it's been hot all over the country during the past few days. Death Valley has been well over 120 degrees all week long. I'm glad you told me. I'll wear something light if I go there. I'm thinking of a dear old Madison High will be pretty much like Death Valley today. It wouldn't be so bad if our beloved principal, Osgood Conklin, wasn't nosing around. You're being over-pessimistic, Connie.  That would be nice. Sure, that's probably just what he'll do. And who knows, he may even fan himself with something real heavy and go... Too fast and wishy.  I guess Mr. Conklin will be with me always. My sister Angela has a wonderful recipe for keeping cool. You've heard me mention Angela, haven't you, Connie? Many times, Mrs. Davis, but not lately. How is she? Pretty well, poor dear, but she's so absent-minded. Yes, I know. But what's the recipe, Mrs. Davis? Recipe? Yes, for keeping cool. You said your sister had a good one. My sister? Yes, Angela. Oh, her poor thing, she's so absent-minded. But she has a wonderful recipe for keeping cool. I don't believe it. Why not? All right, I do believe it. Good. Well, I'll pack the dishes now and wash them later. Please, Mrs. Davis, the recipe for keeping cool, what is it? Oh, yes, the... First, Angela fills a tub with ice cream. Then she puts in four gallons of apple cider, six lemons, three oranges, and a half bottle of maraschino cherries. And how many of these do you have to drink before you don't mind the heat anymore? Oh, Angela doesn't drink it. She sits in it. Serves me right for asking. Well, I might as well go all the way now. Why the maraschino cherries? I asked the same question, Connie. And Angela said she doesn't know, but she tried it without them and somehow it just wasn't the same. I see. Well, so much for the world of sports. Oh, that must be Walter Denham. He's giving me a list of school this morning. Come in, Walter. I left the latch off for him. Good morning, Mr. X, Mrs. Davis. Good morning, Walter. Gee, I didn't mean to get here right in the middle of your breakfast. I know. You meant to get here right before we started. Sit down, Walter. Would you like a bite of breakfast, Walter? Oh, I don't want you to fuss. I'll just nibble at what's on the table. Quick, Mrs. Davis, put your hands behind your back. If you'll excuse me now, I have some laundry to finish. OK, Mrs. Davis. Phew, looks like today is going to be another scorcher, Miss Brooks. Gosh, I didn't fall asleep last night until this morning. Well, cheer up, Walter. We'll be in class soon. You've never had any trouble falling asleep there. I will today. This heat is absolutely... Ah, there you go teasing me again. No, honestly, Miss Brooks, I tossed and turned for hours last night. Even after three cold showers, my pajamas still stuck to me. That's what I like, a loyal pair of pajamas. If you were that way for Walter, why didn't you catch up on some of your required reading? Well, I tried to, but that just made it worse. Why? What did you read? Dante's Inferno. But the reason I came over so early this morning, Miss Brooks, was to suggest something that'll make your classroom seem much cooler during the dog days that lie ahead. What do you want to do, Walter? Put a St. Bernard on my desk? Oh, no, ma'am, not a St. Bernard. Just evasive pussy-willow. If you'll give me permission to leave during class, I'll go out to Phillips Farm and get a nice bunch of them for you. Phillips Farm? Isn't that where Phillips Farm is located? Yes, ma'am. Better known as the Old Swimming Hole? Say, come to think of it, there is an Old Swimming Hole out there. You know, I forgot all about it. I'm sure you do. I'm also sure that you're only wearing that bathing suit under your shirt in case a pussy-willow goes berserk and rips your clothes off. Now, Walter, you'll have to be a little more inventive if you want to cut school today. Well, I wasn't thinking of cutting school, Miss Brooks. Not alone, that is. You want me to go with you? I want us all to go. You see, Harriet Conklin and I figured you wouldn't tumble for the pussy-willow routine, so we got another ace in the hole already. You want to hear it? Deal. Madison, Harriet's old man can... That is, Mr. Conklin can suspend school for the day if he considers the heat excessive.   Well, that's our ace, Miss Brooks. Harriet told me why her father is so heat-resistant. He keeps a little electric fan stashed in his desk drawer, and no matter how hot it is in the rest of the school, he's reliably comfortable. What can anybody do about that? Well, plenty. Now that you're in this thing as deep as we are... Adjust a minute, Walter. I am not, as you say, in as deep as you are. But I'm interested, so keep shoveling. Well, as you know, Mr. Conklin hates my gui... Mr. Conklin isn't too crazy about me. Yes, I know. Hence, it is logical to assume that if caught prowling about his office during school hours, nothing more might be heard of me but a small, gurgling noise. As for Harriet, she can't leave her classroom either. Q-E-D. It's you or nobody. You mean... In a word, sabotage. I'm sure you've heard of the expression, how fix his wagon. Yes? Well, we want you to break his fan. Oh, no, please, Walter. That's going too far. I realize it's a terribly warm day, but the most I could possibly do is talk to Mr. Conklin. That's it, I'll reason with him. I'll tell him how uncomfortable it is in the classrooms, and then I'll point out how refreshing a little holiday would be for all of us. Then I'll bring up the renewed vigor, with which we'd return to our duties tomorrow. And then? Then I'll wait till he isn't looking and break his fan. I'm glad we got to school early, Ms. Brooks. It'll give you a chance to get into Mr. Conklin's office before he gets here. But, Walter, how do you know he isn't here already? Well, look, the door of his office is a jar. If he was here, it'd be shut tight. Now go ahead, Ms. Brooks. Rent the old goat's fan. Oh, please, Walter. Just because we disagree with some of Mr. Conklin's policies is no reason to be disrespectful. Remember, he's still the principal of Madison High School. Oh, I'm sorry, Ms. Brooks.  I'll stand guard out here. All right. I'd better work fast. The old goat will be in any minute. Mr. Conklin, I didn't know that you were here. Good morning, sir. How do you feel? Oh, not so bad. I just came in to see that your windows were open. Pretty hot today, don't you think? No hotter than any other hot day. Oh, I think it is. And that's what I wanted to talk to you about, Mr. Conklin. May I sit down for a moment? I suppose so, but please be brief, Ms. Brooks. Very well, Mr. Conklin. There. You're practically in my left. Do you have to sit so close to me, Ms. Brooks? Yes, you meet a better class of weather over here. You have the authority to suspend classes during excessively hot weather, haven't you, Mr. Conklin? I believe so, but I have no intention of taking advantage of such authority. I've long believed that weather is nothing but a state of mind. I work as diligently during the summer months as any of the students here or any of the faculty for that matter. The fact is, we're all in the same boat. I know, but some of us are closer to the propeller than others. Just what are you driving at, Ms. Brooks? Well, it looks like it's going to be another very hot day, Mr. Conklin, and it's very difficult to teach under those conditions or to learn anything for that matter. I realize that fully, but after all, summer school lasts only so long. How very considerate of you, Mr. Conklin, so long. Yeah. Sit down, Ms. Brooks. I see no reason to interrupt the regular routine of this institution. You don't hear me complaining, and after all, I'm considerably older than you are. You must admit that. Ridley. Until I find the temperature unbearable then, it will be business as usual at Madison. I'll go to your class, Ms. Brooks, and forget about the weather. All right, Mr. Conklin, but I've certainly got to hand it to you. I think it's wonderful the way you carry on, in spite of the many discomforts that confront us all. Well, I always try to do my duty, Ms. Brooks, amounting each obstacle as I come to it, because I'm always open to constructive suggestions. I know you are, Mr. Conklin, and I have one for you right now. Really? What is it, Ms. Brooks? I suggest that you move your chair back a few inches from the bottom drawer of your desk. What's that?  Look, starring Eve Arden will continue in just a moment. But first, here is Vern Smith. For Bear Skin Beauty, it's bath-sized palm olive with its famous beauty lather. Yes, bath-sized palm olive for loveliness all over. There's something thrillingly new in this wonderful beauty lather of bath-sized palm olive soap. New fragrance, new charm, new allure. See if palm olive in your daily tub or shower doesn't leave your shoulders, arms, and back. Yes, all of you softer and smoother, completely lovelier all over. You'll thrill to the tender whisper of perfume that leaves on your skin. A whisper that says, come hither to romance. And this new bath-sized palm olive is so big, so thrifty, economical to use because it lasts so long and gives so much soft, lovely lather so fast. That soft, lovely lather with its alluring new fragrance is palm olive soap alone. Palm olive's famous beauty lather. Yes, a new fragrance, new charm, new allure. That can make every woman a vision of delight in the new revealing fashions that show so much more of you. So remember, for bare-skinned beauty, it's bath-sized palm olive with its famous beauty lather. Yes, bath-sized palm olive for loveliness all over. Yeah, bath-sized palm olive soap tomorrow. Men folk love it too. Well, in spite of the steadily mounting heat, I got my first class underway and was about to embark on a question period. When I noticed a mild commotion toward the back of the room, it centered around stretched snotgrass, Madison's star athlete, very definitely a three-letter man. Scholastically, he's a three-letter man, too. After reciting A, B, and C, he's very definitely dead. Ah! Anyway, I hurried down the aisle to see what all the buzzing was about. Back, everybody, step back. Give him air. What's going on here? It's stretched, Miss Brooks. He can't stand the heat. He just sort of groaned and slumped down in his seat. He's in a dead faint. A dead faint? Yeah, a dead faint. Nice to hear from you, stretch. Let me open your shirt, collar. Oh, no, Miss Brooks, don't open it. I don't know why you button it on a day like today, anyhow. Oh, please, Miss Brooks, don't open my shirt. You just be quiet. There. Well, no wonder you didn't want your shirt open. Embroidered undies. And what a lovely sentiment on your undershirt. Crystal Lake bath house. When I return by 6 p.m., another day will be charged for. Charged for. Stretch, this is awful. What is, Miss Brooks? Ending a bathing suit with a preposition. Now, what is all this painting about? He can't paint it, Miss Brooks. The heat's too much for him. And he's a great athlete, Miss Brooks. Gosh, when stretch caves in, can the rest of us be far behind? You stay out of this, Walter. I don't want to appear abrupt with you, stretch, if you are really distressed. But that bathing suit under your shirt militates against the legitimacy of your paint. You must admit that. Oh, sure. I admit that. Good. What does it mean? Oh, no. It was a plot, Miss Brooks. We bought a stretch keel over. Daddy would have to suspend classes for the day. Harriet Conklin, I'm surprised at you, tricking your own father. I wonder if it would work. I'm afraid I'll have to punish you rather severely, young lady. Gosh, Miss Brooks. What are you going to do? I'm going to make you march into your father's office and tell him about stretchers' painting. What? You mean you're willing to go along with a gag? No sense in wasting stretchers' bathing suits. Isn't my talking to Daddy wouldn't do any good, Miss Brooks? He caught me taking a bathing suit out of the closet this morning. What bathing suit? The little check job that's peeking over her blouse. The logical person to complain about stretchers' condition is Mr. Boynton. Yeah, Mr. Boynton. Welcome back, stretch. Hey, the bashful biologist might carry some weight at that. Sure. If he'd go and explain to Mr. Conklin biologically how this heat is ruining one of our pupils, he'd have to let us off. You might have something there, Walter. Yes, I think Mr. Boynton's our man. Want me to go and get him, Miss Brooks? I'll be glad to go, Miss Brooks. Me too, Miss Brooks. No, children. I'll make the sacrifice. I'll get Mr. Boynton and bring him back here. Harriet, you and Walter take stretch into the hall and start panning him with a handkerchief. OK, Miss Brooke. Just walking down to the lab should cool you off a little. Believe me, Walter, going to see Mr. Boynton is no way for me to cool off.  Stretch nodgrass has been acting strangely all morning. Oh, what's the matter with stretch? Is he sick? Not really sick. I think he's just got a touch of tightening of the bathing suit. He's sort of weak in the head this morning. This morning, she says. Oh, I'm sure it's just a, oh, here we are. I told Harriet and Walter to bring him out in the hall. It's cooler. Oh, hello, kids. Hi, Mr. Boynton. What's the matter, stretch, old boy, old boy? Oh, I feel punk, Mr. Boynton. It's his heat. It makes me feel so, so hot. It's a shame. It is a scorcher today, all right? Yeah, it's a lulule. It seems a shame to keep kids indoors in this kind of weather. See, I've got an idea. Why doesn't somebody ask Mr. Conklin to suspend classes for today? Boy, that's a swell idea. That's super, boy. Boy, what a great idea, boy. What do you think, Miss Brooks? Boy. All right, I'll do it right now. Oh, go ahead, Mr. Boynton. Daddy's office door is wide open. I can see it from here. We'll sure appreciate it, Mr. Boynton. Well, how about you, Miss Brooks? You want to come along? No, Mr. Boynton.  I'll watch you. I'll be back in a minute, Mr. Batch. It may not take that long. Oh, I hope we're doing the right thing. I'd hate to get Mr. Boynton in any trouble. Oh, Daddy's extremely fond of Mr. Boynton, Miss Brooks. That's about the only thing Daddy and I have in common. Mr. Conklin won't call for this story about stretch. I know he won't. He might, Miss Brooks. After all, he'd get the day off, too. And it is pretty uncomfortable in school today. You forget, Walter. Mr. Conklin has whirling tom in his bottom drawer. Here comes Mr. Boynton. You boil some water, Harriet. I'll tear my skirt into bandages. That didn't take very long, did it? Well, he's still conscious, anyway. What did he say, Mr. Boynton? He refused to suspend classes, Miss Brooks. But he did give me permission to take stretch along with me. Take stretch along where with you? On a little field trip, Mr. Conklin, just OK for my science class. I thought it'd be nice on a day like today to observe the flora and fauna in their native habitat. So I'm taking my bunch out to Phillips Farm. Phillips Farm? But what about us? Yeah, we're not in your science class this morning. Well, I'm sorry about that, Walter. Maybe some other time. I've never had an idea backfire so fast in my life. This is awful. I don't know why you're all so excited. What's so special about Phillips Farm?  Straggly old swimming hole? Hey, come to think of it, there is a swimming hole on that property, isn't there? No, let's see now. Where is it located again? It's located midway between flora and fauna and approximately 10 paces to the right of the bathing suit that's hanging over your shirt collar. We've got to work fast, Miss Brooks. Harriet may not be able to keep her father out of the office much longer. That was a good idea she had to put those bells on her bicycle and make believe she's a good humor man. Yeah, he never could resist the ice cream wagon.  I've got all the windows nailed down. Now, let's fix that fan, huh? I took it out of the door, Miss Brooks. Here, let's fix this big pencil in the blades while they're whirling around. All right. Mm-hmm. What happened? Anybody want six little pencils? I'd better pull the plug out. There.  Here, put it under all this junk in the corner. I'll wait. Hey, look at this, Miss Brooks, an electric heater. Well, what do you know? Just the thing to make Mr. Conklin's office nice and cozy. Well, I'll give it on to the kid's stretch. Hey, Mr. Boynton, stretch. Come on in here a minute. Wow, Walter. What are you doing in here, Miss Brooks? Yes, what are you doing with that heater? We're going to hide it in the closet so Mr. Conklin doesn't see it while it gradually turns his office into a Turkish bath. Right, Miss Brooks? We'll split the towel concession. Give it a hand with it. Will you, Mr. Boynton, it's pretty heavy. We'll put it way back here behind these clothes and things. Sure, Miss Brooks, but isn't this a pretty risky proposition supposing Mr. Conklin comes back? You don't have to suppose. He's coming down the corridor now. Quick stretch. Get into the closet with Mr. Boynton and Miss Brooks. In the closet, but. Don't argue. I'll give it to Mr. Conklin for you. Now, hurry. I'll give ice cream wagon in my life. Denton, what are you doing by my closet?  Just closing it, sir. I didn't want you to be caught in a draft. I mean, I came in to ask you something about Philip's farm. I've been waiting to do it. Where have you been, Mr. Conklin? Me? I was just chasing away that confounded ice cream man. Too tempting for the student.  Would you say you was, Mr. Conklin?  But you mentioned Philip's farm. Are you the student Mr. Boynton's taking out there because of the heat? Me? Philip's farm? Fainting in class indeed. He didn't mention any names, but I knew it was some weak-kneed, lily-livered creature like yourself, Denton. Yes, sir. Oh, yes, sir. I have the most lily-like liver in town, Mr. Conklin. Don't you think I'd better go now before I topple over again? By all means, Denton, the quicker the better. Thanks, Mr. Conklin. I guess in a case like this, it's every man for myself. Thank you. Man, chief. I should have known better than to chase ice cream wagons with my blood pressure. But I hang my coat up and scurry back to my fan. Pitch dark in this confounded closet. Here, I'll take your coat, Mr. Conklin. Thank you, boy. Now, handle it carefully, please. It's a rather expensive garment. I wouldn't want it. Thank you, what for? What's going on in this closet? Come on in. We're having a weenie roast.  Come out into the light where I can see you. Well, it's only me, Mr. Conklin. Stretch snot grass. Well, close the door behind you. That closet feels like a Turkish bath. Yes, sir. Now then, what were you doing in my closet, snot grass? Oh, I thought you'd ask that question, Mr. Conklin. Luckily, I can give you a very good explanation. Oh, you care. Well, what is your explanation? Come, come, boy, out with it. You'll have to give me more time, Mr. Conklin. I'm not very bright. It's the heat, Mr. Conklin. I was looking for the gym and stumbled through the wrong door. Then I'd better escort you to the right door. Come with me, boy. Yes, sir. I've never seen anything like it. One day comes along the whole... Mr. Brooks, I'm suffocating in this closet. What do we do? Don't worry about a thing, Mr. Boyden. Just turn over every ten minutes, and I'll base you. This is no time for levity, Mr. Brooks. If only we... Please, Mr. Boyden, you shouldn't complain. At least you're next to the door. I'm right next to a burning heater. Quiet, Mr. Conklin's coming back. All the annoying things are... Oh, my coat. I'll hang it up in that Turkish bath. Fair closet. If I could just see where the crossbar is...  Thanks, Boyden. There we are. Nice and neat. I was just on my way to Philip's farm, Mr. Conklin. If you'll excuse me, I'll run along. Go right ahead, Boyden. Have a nice time. Thank you, sir. Goodbye. Goodbye. Well, now that Mr. Boyden is gone, I can relax. Now that Mr. Boyden is gone... Closet in the first place... There's plenty going on around here. I'd better get my coat and follow him. I'll hold it for you while you slip it on. No, thanks. I can slip it on myself. Now, I'll get to the bottom of this thing if... I can slip it on myself! Sit down here, Miss Brooks. Nothing. Would you be good enough to tell me what's drawing the crowds to my closet? The malls are having an aggregate. It's just a childish prank, Mr. Conklin. The schoolrooms are quite stuffy, so we thought we'd make it hot for you. I mean, some of us thought classes should be suspended today, and we hid your fan and closed the window so that you'd latch on quicker. Well, I'm latched on thoroughly now, Miss Brooks. You've explained most of the day's madness admirably, but one more thing. Could you explain those rings of smoke curling from beneath my closet door? Smoke? Oh, my. It's the heater. Your cloak must have caught fire. What? I'll go get some water right away. Just make yourself comfortable, Mr. Conklin. Comfortable? Where are you going for that water, Miss Brooks? Philip's swimming hole. Where else? Miss Allen, this book returns in just a moment. But first... Girl, dream girl, beautiful luster cream girl. Tonight. Yes, tonight. Show him how much lovelier your hair can look after a luster cream shampoo. Luster cream, world's finest shampoo. No other shampoo in the world gives K. Dumas magic blend of secret ingredients plus gentle aniline. Not a soap, not a liquid. Luster cream shampoo leaves hair three ways lovelier. Simply clean, free of loose dandruff. Blissening with sheen. Soft, manageable. Even in hardest water, luster cream lathers instantly. No special rinse needed after a luster cream shampoo. So gentle, luster cream is wonderful even for children's hair. Tonight. Yes, tonight. Try luster cream shampoo. Dream girl, dream girl. Beautiful luster cream girl. You owe your coming glory to luster cream shampoo. And now, once again, here is our Miss Brooks.  But I left the premises before Mr. Conklin could huff and puff at me. I didn't think it was fair for me to bear the brunt of our beloved principal's wrath, and I was soon declaring myself from the banks of Philip's swimming hole. It isn't all of you running out on me that hurts. It's the fact that you knew all the time, every one of you, that you'd wind up out here today. Gee, I feel like a heel, Miss Brooks. Help me up on the bank and I'll go back and face Mr. Conklin with your right now. All right, Walter. The most shameful part of the whole thing is the fact that it was all premeditated. Grab my hand, Walter. Yeah. Up you go now. Welcome to college. You're pulling Miss Brooks in. Don't worry about it, Harriet. I've got a bathing suit on underneath. Your beauty, Hope, and what's the cream sample for soft, glamorous, palatable hair? Produced by Larry Burns, written and directed by Al Lewis with music by Wilbur Hatch. It's new. It's amazing. An ammoniated dentifrice that helps prevent tooth decay and tastes good too. That's Colgate Ammoniated Tooth Powder, created in Colgate's research laboratories. Colgate Ammoniated Tooth Powder contains the revolutionary ingredients that help prevent new cavities in a dentifrice that tastes refreshingly minty, foams freely, cleans teeth effectively. Get Colgate Ammoniated Tooth Powder now. Economical 4-ounce size, only 43 cents. For mystery liberally sprinkled with laughs, listen to Mr. and Mrs. North. The exciting, fun-packed adventures of an amateur detective and his beautiful wife. Tune in Tuesday evening over most of these same stations. And be with us again next week at this same time for another comedy episode of Our Miss Brooks. Bob LeMond speaking. This is media on your broadcast season.


Welcome back to tennis talk, my name's Cam Williams and there being a video going around on the internet regarding Novak Djokovic and some of the Drinks that he has been consuming over the last week. Let's go have a look at the footage that started this whole discussion So here's the video you can see Djokovic's trainer in the purple there putting together some sort of drink for Djokovic during his match At the Paris Masters and just to be clear This is actually nothing new a lot of players bring out drinks on court that are special potions I guess you could call them with different supplements in them It's just very rare that you'll see a physio or a coach making on the sidelines to give to the player Usually the player comes out on court with the drink you can see their bull kid gives the drink to Djokovic So it's not so much is this illegal or anything like that? It's just the Djokovic didn't bring it out when he first started the match It's what Djokovic had to say when he was questioned about in the press conference magic potion That's all I can say is that it helps you'll find out soon, but I can't speak about it now You'll find out soon when he was pressed further on what it could be He said I said you'll find out soon, but not so soon It's going to come out one of the supplement Let's say lines that I'm doing right now with drink and a few other things sports drinks, etc It'll come out there you'll try it and you'll let me know how it feels you might win Wimbledon They have it Djokovic just clearing up that you know, it's nothing Illegal which is what the speculation was it was crazy to see Twitter in such a frenzy because let's be honest We've seen many players drinking many random drinks You can see sometimes they're drinking like a cloudy water Someone drinking like a pink kind of colored water, but it was just weird that Djokovic didn't have that with him before the match I think that's what the whole speculation of like what the hell is going on here But for anybody out there who was questioning what was happening.  It's just that Djokovic didn't have that in his bag before going out on court And it looks like he might be out bringing out a new kind of Supplement or something or a drink in the future. We all know he has a lot of dietary needs or special dietary needs So maybe there's gonna be like a sports drink for Djokovic in the future or a Djokovic branded sports drink supplement line Who knows I guess we'll find out soon, but let me know down in the comments below Did you know what was going on or did you kind of get swept up in the speculation that it was something dodgy?


What's up everybody, Ricky Krooth here, so today Zillow stock went down almost 15%. It literally crashed today on their earnings report. So their earnings report was actually better than expected. The reason it went down is because of their future guidance. So their earnings was $600 million and they had a $585 million expected revenue. So it was higher than expected, but they're still at a loss. They still do not make money. They're not profitable. So their earnings per share was a negative $0.14, which was better than expected, negative $0.15. So they're still losing money, which I think is crazy. But let's talk about why the stock fell so much, their future guidance. So they pulled back their future guidance, expecting to make less money later than what they previously said that they would make. And the reason that Zillow said that was because their transition of their premier agent program. Their premier agent program has always been pay for the advertising up front for the leads, and then Zillow gives you the leads, and then you work the leads and whatever happens, happens. Well, they're flipping that model, and you're gonna start paying Zillow a referral fee on the back end once the deal is closed. And so this is very interesting, and they're in this transition period right now. And Zillow says that after they get through the transition period, then they'll be back to business as normal with the agent business, buying leads. So what I think is very interesting is, right now if you buy Zillow leads, you get the leads and then you basically do whatever you want with the leads. Under this new program, it's gonna be called Premier Flex. You have to actually check in with Zillow every week and give them a progress report on all the leads that you're working through Zillow. You have to also open up a dot loop for that particular prospect. And you have to give Zillow updates every week. So how much work is this gonna be? You still have to sift through all the leads that they're gonna give you to find the ones that are gonna buy. And then we're gonna pay Zillow a huge referral, which I hear is 35% on the back end. So I find this new business model of what they're gonna do with agents leads, very interesting. And to be honest with you, I think it's very speculative of what that business model is gonna produce. I think it's gonna be hard to find agents that are gonna check in and give Zillow progress reports on all the leads that they're working for Zillow every week. And I think it's really funny that they're changing their business model, which what does that tell us? That the previous business model didn't work. So now they're trying to flip it into something else to try to see if that's gonna work. Well, if the first one doesn't work, and then the second one actually involves agents doing more work for less money, then how is it gonna work? The more and more I look at Zillow, the more and more I look at everything out there in the industry, I realize there is absolutely no threat in sight to real estate agents. It's crazy. Now let's talk about their instant offer business. Okay, their instant offers business is doing very well. They posted $249 million in revenue there, still at a loss as a company, as a whole. But what I find very interesting in Steve Eisman who bet on the subprime market to collapse, he bet short on it, they did a movie on it, The Big Short. And he has been betting against Zillow for a while now. He's seen all this coming because of their growth has slowed down. And he's recognizing what they're doing and the direction they're heading in and it's not a recession proof situation. Because now they're switching their business model of how they give leads to agents, okay, not good, right?  So they're gonna own so much property. If the market does crash, if the market dips in any kind of way, if it goes downhill, that's gonna put Zillow in a very, very bad position. And Steve Eisman said it right here that Zillow would get crushed in a recession. And I absolutely by seeing what they're doing, I absolutely believe it. So that's why their stock went down so much today that I'm telling you all this just to give you what information I have just to let you know. I don't see a threat out there that's gonna take real estate agents out. They're just another real estate company. They're getting into the real estate business in a way as far as these referrals go. But anyway, I'm about to get on these live calls with Joe Rosen right now. I'm really fired up about it. So if you guys need anything whatsoever, please reach out. Let me know what in the world I can do for you. Let's go.


Well there is breaking news out of Newport News Virginia tonight. There was a terrifying shooting inside an elementary school that late this afternoon. A female teacher was rushed to the hospital with life-threatening injuries and a student we are just learning six years old was taken into custody after the shooting at Richneck Elementary. The altercation was between a six-year-old the student who did have the firearm and the teacher and then a round was fired. Just stunning to hear that police say the shooting was not accidental and they're investigating where the young boy got that handgun. We put so much effort in our children today. We put effort in to make sure they're not bullied, make sure they eat the right things, make sure they go to the right schools, make sure they wear the right things. But why is it after seeing all this effort that we're putting into the children, it seems as though the children are getting not just worth but demonstratively worse. When you can have a six-year-old child to intentionally pull the trigger after getting some sort of altercation with the teacher, first of all, there should not even be an altercation with a six-year-old in the teacher. But then the fact that the six-year-old has a gun which obviously speaks to what's happening at home because the child did not get this gun obviously legally so the child must have got it from home which speaks to what's happening there. There's a larger issue here and while your heart goes out to obviously that teacher and to that child as well who doesn't know what's happening, but rest assured that child is on their way to a worse fate if they're not stopped, if they're not trained properly. So what's happening in America to cause our children to act not just this way but also in other ways acting out towards teachers and other students even in school. One passage that would come to mind that is usually if not almost always taken out of context and applied incorrectly but if applied correctly if we do apply this correctly then we'll see how this works. That is Proverbs 226. We read this as train up a child in the way that he should go and when he is old he will not depart from it. The problem with that is that it doesn't always seem to work. I can train a child and then he seems or she seems to get worse and worse and worse or she doesn't seem or he doesn't seem to respond according to the teaching. Well that's because that's not quite what the passage says. What it really says is it's not a command. The word train that's used there is not used in the command. It's used as a warning. So it's saying the warning is if you train, if you train how. Let's go back to the passage. It says if you train a child in the way that he should go and what's listed here the Hebrew of it is Alpe Derko. What does that mean? It means upon the mouth of his way. What that is is a Hebrew idiom which means according to the way that he wants to go and so here's the warning. If you train a child according to the way that he wants to go according to his desires. If he is a child that likes to express himself that likes to get his way well then if he does so at six years old then and you train him a lot like that you allow him to be that way at six he'll be that way at 16 he'll be that way at 26 at 56. If you train a child according to the way that he naturally wants to go and since we're all born sinful and wanting to do sinful things well then guess what all you're going to do is train him to become more and more hardened as a sinner and then ultimately as a criminal and unfortunately we have children that you just simply can't say anything to. You can't give them corrective or constructive criticism you can't put them in their place and try to correct them because they might be doing the wrong way or there's a better way. No the reason why we have that though is because we have taught our children one that no one should say anything bad to them that they should be happy. As a matter of fact we've got an anti-bullying campaign that teaches kids not to cope but it teaches them that no one should ever say anything to them and so when the first time they are confronted with something negative when someone resists them when someone tells them no that they're not pretty they're not the strongest the smartest well then how do they cope they did not learn how to cope at five did not learn how to cope at 10 and so as they get older and older and older now we've got someone walking into a building who does not know how to cope when he's been fired or didn't receive a promotion or his girlfriend rejected him does not know how to cope and then he's going to respond like someone who doesn't know how to cope the bible says in Ephesians 6 and this is the genesis of us all in Genesis chapter 6 it says first four fathers do not provoke your children to anger but bring them up in the discipline and instruction of the Lord unfortunately we can do this provoking either intentionally or unintentionally we can cause them to be angry we give them their way as a matter of fact let's see if we go back to the very first word this used fathers unfortunately the less and less that we have fathers there the more we're going to see this acting now it would not come as a surprise to know that each and every one of these children that either had a dysfunctional relationship with their father or no relationship with their father whatsoever and so instead of provoking them causing them doing things that were pushed into anger he says bring them up in the discipline and instruction of the Lord unfortunately we don't have a lot of children being brought up mourning a godly home but also with godly instructions which is part of the problem we have more and more adults who aren't parenting but are just cohabitating with their children watching games with them doing this letting them do these things without actually putting them to tests without instructing them without making them grow up and so when they don't get their weight they act out you went like a different direction than what you normally do but i think that the face looks like you and i think that you do a lot of art that's like focused on yourself because you are a fashion designer so you kind of like work from your own body and i don't know if you meant to do that okay well this is this i'm sorry but like i spent so much time on these now while our hearts may go out to the child and it should uh the child does need discipline but the greater concern is the parenting or really the lack thereof just because you are present in the house with the children does not make you a good parent as a matter of fact in many cases we see parents who are not actually doing their adults in the house with children but not parenting and so if we follow the instructions that are given by the bible without question the bible says that when they are older they will not depart that training the training must be an instruction of the lord and i promise you though the world won't do that make sure that you apply this to your children and then watch how it works out just the way god says okay man


For the last two decades, we've been focusing on information technology to deliver the information faster and more efficiently and more effectively. But now we're entering a new era where physical services can play an essential role in our society. A good example for that is healthcare systems for the health care. So let's take a look at technology. In most factories, car factories, robots are doing much of work. They're already better than humans. They're faster. They're much more precise. They're much more consistent without being tired. But they achieve these amazing performance by being very, very rigid and just following this pre-programmed pattern over and over again without having much intelligence or sense of touch. So when it comes to complex tasks, only humans can do. Robots are not yet capable of doing this complex manipulation task. So if you use this manufacturing robot technology for other purposes, this is what's going to happen. This is footage from DARPA Robotics Challenge.  Their component technology is exactly the same. They're very, very rigid. I call that moving sculpture. And then they only follow this optimized trajectory, the motion planning, and it doesn't have enough adaptations or dynamic flexibility. This is how animals do in contrast. Animals, they're not as rigid. They're not even nearly as accurate as a machine. But they're much more accurate than other things. Balance, energy absorption, flexibility. Each step, there's so much complex interaction with the ground we have to handle. So in our lab at MIT, we've been focusing on developing different type of machine that can handle this high impact and physical interaction. This is MIT CHIRA tool running on the treadmill. We had to design an entire system from scratch. I'm going to show you the component. It can run as fast as me at this point. Not using full power, though. The limitation is not the power. The limitation is actually the algorithm and the sensor. We haven't put a vision sensor here yet. So because of the adaptability, it can run rough terrain, same algorithm running on the treadmill, and then outside. It can turn. Not as great. We're going to show you a better one a little bit later. Now, it has a sensor in front. It's a laser sensor. It can detect the obstacle and jump over obstacle autonomously. But the most important part is actually landing. That's where this harsh dynamic physical interaction is happening, and then manufacturing technology cannot handle this. It can jump over about 40 centimeter obstacle at this point. It can jump actually much higher, but it doesn't know how to land. As I said, jumping is much easier. Landing is hard. So the key idea here is not only powerful and forceful, but also you have to be very flexible. That's how we are. We're very strong, but we're very, very flexible. So this is much more close to our arms and muscle than those manufacturing technology. And if you try to do this with the manufacturing robot, it won't go anywhere. It's like a sculpture. And that's why these manufacturing robots are only following fixed pattern. It cannot be adaptable. This doesn't come free. We had to design our own electric motors, and we had to design our own transmission and develop our own power electronics to achieve this very special feature. So you might confuse that robots are walking around, but the same technology is required to walk around at the same time, manipulation, and interact with the physical world, which could be patient. I would like to introduce our latest version. This is a Cheetah 3. It looks different from now because there's so much difference between biology and engineering world. For example, we have a 600 muscle. The dog has 600 muscle. We only can afford to have 12 motors. So we had to design very differently, and range of motion is very critical. This is without camera, without having no knowledge about the stairs. It's all about sense of touch because our robots are designed to be able to interact. So it's all about where the foot hit the ground, and then robot knows where the foot is hitting, and then it'll adapt accordingly. We have a camera right now where it starts integrating, but the vision is giving you only a very rough idea. It doesn't give you all the detail. We are not relying on accuracy of vision. So adaptability, again, this is not about accuracy. It's about intelligence, about balance, intelligence about physical interaction. So this is only possible when you have a right components and right paradigm. So I want you to think about this case, how challenging each contact to help a patient, an old person, it's a weak person, not even a paralyzed person, to move from a bed to a wheelchair. This is daily life. It's so challenging once you get to lose that muscle strength. But each contact is so delicate and complex. It's even more than just like a regular running around. We have a lot to do. We have a lot to work on this area. So I want to finish with a quote from Rodney Brooks. Intelligence is determined by the dynamics of interaction with the world. This is an area very underestimated and ignored, and then we have so much to do. Thank you very much.