Apologize, yeah. Yeah, well he dropped his drawers, he ended up, she had an appointment with him to be interviewed and the hotel room opened up and Bill Clinton's pantaloons were down to the, you know, and she was only, I guess he only wanted a blowjob from her because she, maybe because she had a big schnozola. Well it was because of that deposition that he gave in that case where Monica, they found out about Monica Lewinsky. Yeah, well, there's a pattern. There's a, Bill Clinton has a, had a pattern. Oh, very long. He was riding his stardom. Huh? He was riding his stardom, much like your rock and roll groups do when they invite the little chickapoo's backstage. Didn't JFK, didn't JFK like the ladies? Yes, that too. And his dad liked the ladies too, before him. And if Judge Emmett G. Sullivan is part of that vast right-wing conspiracy, because he has allowed the email case about Hillary Clinton to proceed, then maybe Bill Clinton is also part of that vast right-wing conspiracy because he appointed Sullivan to serve as United States District Judge for the District of Columbia in June 16, 1994. So blame it on any time anybody criticizes Hillary Clinton or her husband. She blames it on the Republicans and any time you criticize Republicans, they blame it on Obama. So her, everybody has some scapegoat. The ghosts. Mrs. Muir. Of our founding fathers, should visit all the Republicans on the Senate Judiciary Committee who signed a pledge to not hold any hearings on any person that President Obama puts forward as Justice Scalia's replacement on the Supreme Court. You know, Obama has nothing to lose. His administration is coming to an end quickly. And if he wanted to, he could make their lives a living hell. If he wanted to really, he can, you know, for all the eight years of racism and obstructionism, you know, he could say, oh, all right, that's how you wanna play Mitch McConnell? Okay. Yeah, but Mitch McConnell actually comes out and says that and still people do nothing. Well, I mean, you understand, these people have their supporters. So Obama, the only thing- Can you pass that? The only thing he could legally do is executive order and veto. Like he can't do anything. What's he gonna veto? What's he gonna make executive order? Well, everything they want, everything they want. But it's in the Constitution that he has the right to do. Oh. He has the right to put someone forward. Supreme Court Justin. Oh yeah, without a doubt. Supreme Court- They won't let, they won't take them. They won't confirm them. They won't go through with it. So he'll pick- They are against the Constitution. So he'll pick one person. No, he'll pick another person. No. Correct. And it'll go on and on until his administration is over with. So then there will be only- And the Republicans will be allowed to get away with snubbing the Constitution like they always do. Except for that. Oh, wait a minute. Thumb their nose. Second amendment, baby.  What is that, bare arms? That's correct. That is correct. Well, because they're afraid that if we have a rogue government, we would not be able to capture- That's what I wanted to say before. I told you to mention its Constitution when we started the show. All right. Mr. Macarubio is floating around saying that the Constitution is not a living, breathing document. Sounds like GW Bush. Well, I must ask him. Mr. Rubio, does our Constitution have amendments? 20 some? Yes. Well then, if it's changeable through amendments, does not not mean it's a living, breathing document? You know what, there's no aroma to my black roses. Ah, true. There's no, you ever notice how how do politicians with very humble backgrounds like Richard Nixon, Marco Rubio, very humble backgrounds, how did they end up becoming Republicans? Is it, it's beyond me, you know, I mean. Well, you see them down in a red state all the time. But then again, Bernie Sanders came from extremely humble background and he is very much a progressive. But then you have people that started out being po-folk, po-folk, and they end up Republican. Maybe because they cared more about themselves than other people. Another word. Okay, self-centeredness, selfishness, these are of the devil. In other words, the Mamoo, they saw the Mamoo. Even before the Mamoo. It might come their way. Even before the money. They were just self-centered people. In other words, they forgot about their roots where they came from. They forgot about their people and they immediately saw the gratification they can get from being paid off. Stepping on others to get to the top. To get to the top. Ruthlessness. Then, like Ebenezer screwed, these irresponsible senators might come to their senses and change their outlook. There is absolutely nothing. Really? The Republicans in the House and the Senate would not do to thwart anything our president puts forward. Even if it is detrimental for the American people. How is it? These Republicans can't keep in mind Obama was elected twice by a majority of the voters.  While constantly professing to support and uphold it. Obama has the right and the duty to put forward a person to be vetted for the Supreme Court. Absolutely. What Senate Majority Leader, Mitch Turtleface McDonnell and the Republicans on the Senate Judiciary Committee have done is anti-constitution. They should be ashamed of themselves. It's just amazing how Mitch McConnell keeps on getting reelected. Oh, the 30 years. It's just amazing. It's amazing how the people of Kentucky who are livid over their new governor who is heartless can also vote in other Republicans over and over and they just, it's like they contradict themselves. They... It is a contradiction. They constantly contradict themselves. The Republican voter is a contradiction, especially in Kentucky and worse, worse county to extrapolate one county. This is what I say. This is one of my favorite points of ridicule that if somebody is that illogical, ridiculous, preposterous, insane, stupid, they don't, they haven't earned respect. They haven't earned compassion. They are total misfits. What they have done is they have granted some other people fools, whatever, power. It's like Kim Davis. There's nothing there.  A cartoon makes more sense.  She refuses to do it. And she wants, she expects her to keep her job and to be a bigot and go against the law. And it just doesn't make sense. Hey, the people who support Marco Rubio, the most likely Miami Cubans, listen, the Castro, the Cuba is not what real communist, socialist country.  The same thing with the Soviet Union, that when we used to have the Soviet Union. These are totalitarian dictatorships. If they were pure communists or socialists, they would be doing nice things like the Scandinavian countries do, okay? And you wouldn't be voting Republican. People just don't understand. Just like they just believe mainstream media and whatever mainstream media demonizes, they demonize. Millions of families among the working poor and lower middle class would be substantially worse off under the healthcare plan proposed by Bernie Sanders. According to an analysis by a public health researcher at Atlanta's Emory University, Sanders on Wednesday said his single payer plan in which the federal government, rather than the private insurance industry would reimburse doctors and hospitals for treatment would take a huge bite out of poor families financial distress. Yeah, about Medicare for all. No, that's not what that is. Oh, okay. Sanders estimates a middle class family of four would pay an annual premium of $466 under his plan with no deductible or co-pays. Less affluent households would pay less than that or nothing at all. Middle class meaning within a certain salary, a certain amount of income that he has determined. But for at least 72% of households enrolled in Medicaid in which someone is working, the costs of Sanders plan would exceed the benefits. According to an analysis by Kenneth Thorpe, a public health expert at Emory. You wouldn't need Medicaid anymore if you had Sanders plan. Exactly. You wouldn't need charity care. You wouldn't need Medicaid. You wouldn't need Medicare as you now know it. Just like if you had an annual income, you wouldn't have welfare. You wouldn't have food stamps. You wouldn't have WIC. You wouldn't have any of those programs. No, you would not. This would take the place of many programs today that don't work so great like Medicaid. Because you know what happens when they make a program? It's like a job producer. They make a new program.  For what? Another fiasco. Exactly, it's a white elephant. It doesn't do anything.  No, we can't do that because you won't let us spy on you. Yeah, but actually some people have slipped by with box cutters and they were arrested, like those kids that would try to prove a point. You know, Homeland Security weren't able to apprehend them. They got away with the guns. Right, but it's like Medicaid. If you make more, if your income, even if it's a fixed income, is like $800 a month or more, you cannot get Medicaid. Okay, so that means your income is high enough to do what? To pay for your own health insurance? That doesn't make any sense. That's why when people who are on Medicare go into the hospital, they come out, they have to go bankrupt because they can't pay the 20%. Yeah, they won't.  Medicare for a retired person today only pays 80%, right? It's like a dental plan. All dental plans, insurance companies do not like the dentist. All dental plans, according to my sister, they only pay around 80%, except for Obamacare. You know, if you're poor, that covers the whole thing. But, okay, 80% of a dental bill, that leaves a lot of money that you have to pay, that you're responsible for. You figure one root canal with crown is like between $1,000 to $1,500, just for one stinking tooth. Let's say you need it one. That figure includes 5.7 million households or 14.5 million people. 4.2 million Hispanic recipients and 2.5 billion Black recipients. The requirements for eligibility for Medicaid vary widely by state. So that group includes some households living in poverty as well as some that are modestly better off. The vast majority of low income medical workers who are probably predominantly minority are going to end up paying more in terms of payroll taxes and aren't going to receive really any financial benefits. Any lower income people are already insured or eligible for insurance under Medicaid. At least in the states that expanded the program under Obama's healthcare reform. Many Medicaid beneficiaries also work and those workers' wages would likely decline due to the additional 6.2% payroll tax. Thorpe also argued that the senator from Vermont is underestimating the cost of his plan by roughly $1.1 trillion a year. Regardless of the cost, the plan would be detrimental for many poor households. In calculating the 14.5 million Medicaid beneficiaries would be worse off. Thorpe used the campaign's more optimistic estimate of the cost. Using his own more pessimistic estimate, the figure increased to 16.8 million. Hey, raise the tax rate on the rich. Senator Sanders, policy director Warren Gunnles said the candidate's plan would have other benefits for Medicaid recipients. Researchers found that some specialists currently refuse patients on Medicaid and all suggested that Sanders' plan would solve that kind of problem. For example, in a single payer system, everyone would have federal health insurance. It would be difficult for providers to deny patients on the federal plan without going out of business. The reality is that people on Medicaid would see a substantial increase in the quality of care under Sanders' plan. Any improvements and access would come at a cost for those households for promoting it. In terms of the financial piece of it, they would be losers. I would not feel bad in the least if insurance companies went belly up.  No, that's different. I mean insurance, they lie. They lie. The general, Geico, Progressive, I got quotes from all of them. They all wanted to rip me off with my car insurance, but anyway, one more for the road. Republican Senator Lindsey Graham, whose own quest for the GOP presidential nomination ended, I successfully, called Donald Trump a not good job. Lindsey Graham is 100% right, but Lindsey Graham didn't have the charisma to run for president. Lindsey Graham. Lindsey Graham is a southern belle. Yeah, he is a southern belle. He is a conservative. No, John Stewart made fun of him all the time. Like he's either a girly or he's a musician. You mean he's a little too sweet the way he smiles and speaks. It's his mannerism. Like a Liberace. He's a, what's the one from Gone with the Wind, Charlotte? Scarlett. Scarlett O'Hara? Yeah, no, it's Scarlett Scarlett. I mean Scarlett, yeah. Female in Gone with the Wind. Yeah, he's like a southern belle. Well, you see the way he speaks and smiles. Yeah, that's what I'm saying. Yeah. Regardless if he's gay or not, the point is, I mean I would never support any Republican, regardless how conservative or what percentage of conservative he was. But yeah, he's right about Donald Trump, not only embarrassing the Republican Party, but possibly destroying the Republican Party. But not that I would have supported Lindsey Graham, I'm just saying that he didn't have the pizazz and charisma to go the distance in a presidential campaign.  The South Carolina senators say. You can't nominate a nut job and lose and expect it doesn't have consequences. He also misspelled on Twitter. He said use the word honor. He spelled it H-O-N-E-R, Donald Trump. He also used the word choker, instead of choker. Choker? C-H-O-C. So those top of the line private schools he went to, they. Wharton. Yes. That's a lot of good for him. Wharton again. Asked whether he'd endorse the billionaire, if nominated, Graham Hedges. I've got a ticket on the Titanic. So I am like on the team that bought a ticket on the Titanic after we saw the movies. This is what happens if you nominate Trump. I don't see any other moderately good choice on the Republican side. I mean, Trump, Ted Cruz, Marco Rubio. Unfortunately, Trump really does blow away Ted Cruz and Marco Rubio, but then again, Trump is a bit of a lunatic and an egomaniac. Well, all Republicans are lunatics. And, you know, haven't had a good Republican since white day at an hour. Maybe Trump just is not afraid to voice what all Republicans feel and think. Maybe Trump, what did New England say that you've created the Frankenstein, Donald Trump? You, Donald Trump is simply what the Republicans today created. So maybe Trump is just the blowhorn of how Republicans think he's willing to say it all. They're tired of establishment candidates like Bob Dole. It's a rebellion against business as usual politics. They don't want a career politician anymore. So they're going with the businessman Trump thinking that if somebody is a intelligent, very intelligent, successful businessman, that they will run the country in the best way possible, not realizing that a corporate CEO is a corporate CEO and you are not on the list of their best intentions. And besides, the government is not a business. No, and I trust the government long before I will ever trust a corporate CEO of any kind. Even the great Henry Ford to get it. They're all greedy. They're all selfish. They say they care about their stockholders, but I think they really care about themselves. Shareholders. Shareholders, yes, they, you know. Well, like- You know who owns most of their stock is them. They keep buying it back, keep the price up. You know, well, like Bill Moore, I had a point.  Stocks are their securities. Their securities, they fluctuate. They're very speculative. Price goes up, price goes down. Sometimes it's kind of rigged. Sometimes it's kind of a game. Sometimes, often it goes up and down with the prime interest rate, but nevertheless, it's volatile. There's no guarantee you're gonna make money with stocks. But because these rich people that buy them, they demand these stocks to be productive. The CEO could turn around and say, I'm gonna make the best decisions for my company. If you don't like the stocks, like Bill Morrill says, sell them. If you're not happy with the way I run my company, sell your stocks. I'm gonna do- The CEOs don't do that. They're not interested in their company. No, no, they want that. They want the, they wanna be parasitic. They wanna get as much money as they can. That's right. Salary-wise. They wanna get out of there. They wanna golden parachute. And stock options and all that. It's like the big charities. Why does a charity need a CEO to begin with, making hundreds of thousands a year or two million a year? Like the American Red Cross, the highest paid CEO of all. It's a charity, why? Hey, it's not my problem. You have these administrative costs.  Should be volunteer work, you know? But anyway, all costs of business is tax deductible, so don't believe the crocodile tears of the right wing. We'll see you next time. I'm progressive.


Hey navigation traders. I want to take a few minutes to go over a few tips that I've learned over the years for trading and Taxes so quick disclosure navigation trading. It's affiliates. We do not provide tax legal or accounting advice This information is prepared for informational purposes only be sure to consult your own Tax advisor as it relates to any of this information. We're gonna cover a few things in this short video One we're gonna go through the tax center of thinkorswim and tasty works show you where to find your forms deadlines all that good stuff We're gonna talk about the 2018 capital gains rates What is section? 1256 there are specific symbols and contracts that have a little bit different tax treatment and then if you are in a Position to elect trader tax status will give you some resources for that as well So let's start with the tax centers and let's start with TD Ameritrade Once you log in you're just simply going to hover over my account and there's this button that says tax center So go to the tax center and this is gonna give you all the forms that you need For filing your taxes. So if you trade futures, there's going to be a futures 1099 be you're definitely gonna want that one And then you're consolidated form 1099 So from typical Brokeage or bank accounts that are in interest. Those are typically kind of the only two that you need But in the case of trading the way that we do there's some additional Information that you're gonna need if you do your own taxes or if you have somebody do your taxes here are the documents You need so we're looking at the tax year of 2018. So there are two different documents here One is all your transactions with wash sale adjustments and one is without wash sale adjustments So when you open one of these up what I like to do is Go ahead and Save this as an Excel spreadsheet Okay, you can save it as a PDF or Excel But I don't do my own taxes and I send this information to My accountant and my accountant likes it in the form of an Excel spreadsheet so that they can then reconcile and sort it how they need to to get the actual Numbers and data that they need to file accurately So for the wash sale with and without wash sale I would save those to an Excel and then just email them to your accountant So that they can do their whatever it is that they do with that stuff. I'm a numbers guy But I still do not do my own taxes. I let someone who knows what they're doing do that So that's what I do if you do your own taxes and you can utilize that That's where you want to find that in the TD tax center. All right, so that's TD. Let's go to tasty works and Very same situation. You're just gonna log in go to their home page hover over my accounts and go to tax center And it's gonna be the exact same information So you're gonna have your consolidated 1099 form if you trade futures, you're gonna have your 1099 be futures Form and then you're with and without wash sale Spreadsheets right there a couple dates to be aware of some of the brokers do these in Tronches, so you'll see that you know February 7th is kind of the first 1099 run that they'll be releasing If yours isn't available by then what you'll see is by February 15th. You'll have that available Both both brokers also have the ability to export your data if you're doing it yourself to turbo tax H&R block tax act trade log and potentially a variety of other ones So that's how you get the forms that you need the next thing I want to talk about is 2018 capital gains rates So this is gonna set up for the 1256 contracts on the next slide But basically I want to make sure you understand so there is short-term capital gains Which is just taxed at your ordinary income rate, you know So depending on what tax bracket you're in and then there are long-term capital gains The difference is short-term capital gains are taxed at ordinary income so whatever tax bracket you fall in that's the amount of tax you'll pay and Short-term capital gains are based on profits from an asset held less than 12 months So most of the trading that we do is held for less than 12 months Even if we're rolling a position for several cycles and we ended up being in it for longer than 12 months Remember a roll is essentially Closing out one position and reopening it in the next cycle. So those are all still Considered short-term capital gains and those are the different tax brackets that you might fall into based on your overall income and Your filing status. So if you're single or you file joint or head of household or whatever it is That's going to position you in one of those tax rates Now long-term capital gains are for profits from assets held more than 12 months So let's say if you have stocks in your portfolio And you've been holding those for longer than 12 months and then you sold them in 2018 Those are going to fall under the long-term capital gains rates Which are typically lower and you can see there's three different brackets 0% 15% or 20% and Again, you'll need to just figure out based on how you file and your income level Which of those brackets it would fall into for you now keep in mind If you bought a stock and you're still holding it You're not going to pay any tax on those gains So if you bought Walmart stock for a hundred dollars and now it's at a hundred and forty dollars So you've got an unrealized profit of forty dollars The thing to remember is those gains are unrealized You don't pay tax on that stock gain until you cash it out So keep that in mind. These are only based on profits from realized gains that these Pertain to now the reason I wanted to go over the short-term and long-term capital gains is because there are some Contracts that fall into what we call section 1256 and those receive a 6040 tax treatment meaning 60% of the gain that you receive is taxed at that lower long-term capital gains rate 40% of the gains are taxed at the short-term capital gains rate Now this goes for most of your futures contracts as well as some of these Indices now these ones here are ones that I trade These I never trade But just wanted to give this list to you to give you an idea of which of these contracts fall under the section 1256 and Receive that more favorable tax treatment and that's why you know a lot of people trade SPX and RUT and NDX and VIX is because of that favorable tax treatment You don't get the same tax treatment on SPY or IWM or QQQ Because those are actual ETFs and they're treated just like an individual stock But on these indices SPX RUT and DX DJX or VIX They get the 6040 tax treatment. So keep that in mind and again if your accountant does your taxes for you They should know all this stuff, but it's not a bad idea to make sure that that is the case And the last thing I want to talk about is trader tax status So IRS has an election code 475 F which actually allows you to file or elect to be a full-time trader or elect your status to be trader status and I give you some bullet points here just to give you an idea of do you or do you not qualify in the first place and Then from there you can decide if it makes sense for your particular situation If you want to elect trader tax status or not So let's run through these real quick if you trade full-time or part-time for a good portion of the day Almost every day that the markets are opened. Okay. That's point number one holding period Is the most important factor in in the court and the IRS said the average holding period must be 31 days or less Okay, so if you're just buying things and holding them long-term investing, that's not trader status Okay, they want to see that you're more of a shorter term Trader and this is this is something that you do actively and obviously the way that we trade at navigation trading Would certainly qualify under this rule Volume you make 700 total trades per year on an annual basis. That's about four trades per day four days a week 16 trades per week 60 trades a month. Okay, so it do you have that kind of volume of trades? Next frequency Executes trades on close to four days per week every week. Okay, so that's four out of five days Are you placing trades and then as far as proceeds has proceeds in the millions of dollars per year on equities? Hours spends more than four hours per day No sporadic time lapses so has few to no sporadic lapses in trading business during the year And then your intention has the intention to run a business and make a living with your trading Operations has significant business equipment Education business services and a home office, so you know significant is a little bit of a gray area But I mean that could be a computer Do you spend money on education so forth and so on and then account size again a very gray area? But someone who has a material account size now I got all this information off of green trader tax.com. They've been around a long time They're an accounting firm that works specifically with traders and so they've got a lot more information about this I just wanted to give you a quick group of bullet points to give you an idea of does it even make sense for you to? Explore this idea. I will tell you Based on my situation and we've got a couple different businesses real estate additional income You know obviously we trade it didn't even make sense for me to take on trader tax status And just from a standpoint of it didn't save me I was better off from a taxable income standpoint not electing trader tax status And so you're just gonna have to figure it out for your specific situation if it makes sense for you All right, so I hope that was helpful again Please consult your tax advisor tax consultant if you have any additional questions on this We are not tax advisors But just wanted to give you this bit of information to get the juices flowing as we approach our tax deadlines Happy trading


Welcome to Toffy TV, it is the Everton News Daily. Everton beach spares 5-4 last night in an absolute thrilling cup tie at Godderson Park to take their place in the FA Cup quarter-finals. Goals from Dominic Calvert-Lewan, two Richard Jarlason goals, a Guilffy Sigarton penalty and a Bernard extra-time winner was enough to put the Blues into the draw for the next round. Calvert-Lewan's celebration or non-celebration has attracted much interest on social media when he simply just took another sip of his coffee as Bernard lashed the ball home to show us how calm Antialotti is. But the draw will be made later on and we'll go over to Pedd at the end of this show for an update on who Everton got. Dominic Calvert-Lewan has undergone a scan on a hamstring injury today. We don't know the extent of that at the moment but obviously Everton will be praying that there's nothing too sinister with it. Obviously at the moment it makes Dominic Calvert-Lewan a doubt, a big doubt for the visits of Fulham on Sunday and also put doubts over Manchester City and the Merseyside Derby which take place next week. It'll be a big blow to Everton. Obviously Calvert-Lewan scored a gain last night as 18th of the campaign for Everton so it'll be a huge loss to see him miss those big games. Fingers crossed the scan comes back with nothing but he's probably looking at missing the next few games but hopefully it isn't too bad. Carlo Antialotti will give his pre-match press conference tomorrow and there will be updates on the fitness of certain players ahead of the Fulham game. Antialotti expected to provide updates on Alan, James Rodriguez, Andre Gomez who missed yesterday's game with a slight injury and also Jordan Pickford as well as hopefully he'll be able to give us a bit more information on just how bad or how good Dominic Calvert-Lewan's hamstring is. So you can catch that on YouTube. It'll be on the official Everton channel tomorrow ahead of the game and finally Everton today again linked with Granada goalkeeper Rui Silva. The Portuguese 27 year old stopper has been in excellent form for Granada and is out of contract in the summer. Whether or not Everton go, we don't know whether we go for him real better and Intermalam also credited with an interest in the goalkeeper. We know that Robin Olson hasn't been signed permanently yet so there's some talk of that whether that will happen but Rui Silva being free may be an attractive proposition for Everton. Not having to pay any money for him so we'll have to wait and see on that one. Right now it's over to Ped to give us an update on the FA Cup draw. Thanks bars. Everton will be playing Manchester City at home in the FA Cup. The tie will take place on the weekend of the 20th of March. The other games are Boomer versus Southampton, Manchester United, Leicester versus Manchester United and Chelsea or Barnsley versus Sheffield United. Manchester City home tough game but you know what, they might have other stuff going on. We're at home as well, we're in good form, we're confident.  So might as well get them in the quarters at home, your might as well get the best team in the quarters at home. Back to you Bas. Thanks Ped, interesting draw that FA quarter finals, here we come. That's it for the news daily, don't forget to give the video a thumbs up and if you want more videos make sure you get over and join us on Patreon. See you later.


Great. I'm Leslie Ward and I am the president of the Vermont College of Fine Arts and I am delighted to see so many people here tonight. It is such an indication of how much we all care about this beautiful neighborhood and our Montpelier community. So thank you for taking the time out of your very busy schedules to be here. I want to start by thanking Orca Media for being here. They're going to be filming and it allows people to be YouTubeing in and listening for those who can't be here tonight. And I also want to thank, who else is I supposed to thank? You had one other person. Oh, well, of course, we are thrilled that Casey and her team are here and we'll talk more about that as we move on through the evening. Of course, we want to talk the purpose of this evening is to talk about the plans for the beautiful buildings that surround this building. But before we do that, I want to take just a little bit of your time. Whoops. I just like to take a little time to give some folks some accurate information about the college and our plans and why we're doing what we're doing. Some of you may be very well steeped in that. But I've had a lot of folks and many of my staff have had a lot of folks come up to us over the last several months and express their sorrow that we're closing, ask us about relocating our faculty and a lot of questions that indicate to us that there are a lot of people for, you know, a whole host of good reasons who don't really know who we are, what we're doing and what our plans are. So I just thought we'd kind of start on a level playing field of knowledge. So let me start by saying that we are a low residency school. And what does that mean? We're a low residency art school for graduates. Low residency means that our students get paired up with a faculty mentor, create an individualized learning plan and do most of their learning from their home communities. It's a beautiful model for adults who have busy lives. You can keep your job. Your children do not have to change schools. Your spouse or partner don't have to get a new job or have a long distance relationship. And you can have all the support systems that stay in place that you need in terms of health care and other wonderful services. Our students are all over the country and in some cases all over the world. And that is true for our faculty as well. This beautiful model that works can have a faculty mentor in Washington, in the state of Washington, working with a student in Tennessee or a faculty mentor who lives in Los Angeles, working with a student who lives in Denmark. It is a beautiful model in that it really is geared towards the adult learner. So why did we have a campus at all if all of this happens all over the world? Well each of our semesters, and you come for four semesters as a student, is punctuated by what we call a residency. A nine-day experience where you come together with the other folks in your program for a really dense and wonderful packed time full of learning from your faculty mentors, from lectures that are given by visiting artists, learning from your other colleagues and students, people attend film screenings, music performances, art exhibitions, literary readings. It all happens in this intense nine-day period. It's an amazing experience. It inspires our students. It creates community, which artists need, and it sometimes transforms a student's experience here. It's beautiful.  However, from a time perspective, students are only on this campus for six percent of their two-year period, nine days every semester. We don't have students, so what does that mean? It means that we don't have students living here. We don't have students paying room fees. We don't have students paying room fees that help us maintain heat and upkeep these beautiful buildings. It is not a sustainable model. That became very apparent to the school prior to my even coming here. It is like it is a fact that we have struggled with. We are also a school that centers our investment in our students. We take a lot of pride in that. We believe that we offer some of the best, if not the best, MFA education in the country because of the attention we give to our students and the community that we create for them. Because we're dedicated to equity and empowerment and our mission of supporting as many artists as possible. Not only did we realize it was unsustainable to maintain a campus that our students only partake of six percent of their time here, but that we were using our resources to an inordinate amount of their resources, their tuition dollars, donor dollars in heating and maintaining buildings that were empty for part or all of the year. It was, it is also was not lost on us that we were creating a carbon footprint from these buildings that had very little useful return for both the physical and environmental costs they were causing, but just by their being there unused. So we took a hard look at how we operate. We took a hard look at what our students need, and we decided that we would be better off leasing space on another campus that was used most of the year. And we could, we could inhabit that campus at a time when they didn't summer time and that we could then put the money that we were saving towards the things that really mattered for our students. Scholarships, increased scholarships, investing in our faculty and our programs, and in our equity and empowerment initiatives. So I want to say loud and clear that we are not going out of business. We are changing how we do business. I understand that impacts this community, which is why we're here tonight, but we are very, very dedicated to our mission. We also know that there is a vocal minority of individuals in our VCFA community who do not, can't imagine us continuing without owning this campus. And they can't imagine the school could serve its students without gathering here in Vermont. And while I really respect the intensity and the high quality of the experience that people have had here, our school is our community. The experience comes from our faculty. It comes from our values. It comes from our pedagogy. And it comes from what we do when we gather together with both challenging our students and caring for them. And we are committed to putting our resources to, to deploy them in the best way possible. So I hope that answers just some, maybe some confusion that may have been out there about the school. I also want to say this beautiful building that you're in today, College Hall, is a building that we will continue to own. We have, and the green, we have no plans to sell College Hall or the green, our administrative offices are here.  We have some who do work remotely, but this will be the heartbeat of the administrative offices. So I wanted to make that really clear too. Tonight, however, we want to talk less about the school and more about the campus. So we've invited Casey Ellison and her wonderful group here who, and Casey is the principal of 150 Main Street, the purchaser of three of our buildings, to talk about her plans for Gary Library, the Crowley Center and Martin House. Before Casey takes the floor, though, we also wanted to share with our community that we have two other serious buyers for the remainder of the 10 buildings that are for sale. One of those buyers is one of our current tenants, the new school. Some of you may be familiar with them. I want to put on my glasses and read their description of what they do, so I get it right. The new school of Montpelier is approved as a general and special educational independent school by the Vermont Board of Education to serve students with the disability category of other health impairment, speech or language impairment, specific learning disability, intellectual disability, autism spectrum disorder, emotional disturbance, developmental delay, multiple disabilities and traumatic brain injury. Many of you who live or who are in this community often have seen those students with their teachers around the campus, their wonderful tenants and were just thrilled that they're interested in purchasing two of our buildings. And we're getting very close to a signed agreement with them. And while I can't disclose the second buyer or the third buyer, really, I can say that we are very close to an agreement with an entity that would allow the campus to continue to operate in the higher education space and that it would give the community the continued benefit of the kind of neighbor it has valued for years. And that buyer is interested in the remaining five buildings. So we're just really happy to share that. And certainly as things become, you know, more firmed up, we will be happy to share more details as time goes on. So without any further ado, I want to turn it over to Casey and her crew. We're going to have time for questions at the end. When we do get to that point, we'll ask people to come up to this microphone and ask your question. That allows the folks who are streaming in on YouTube to see you and hear you and, you know, understand where the questions are coming from. So thank you very much for your time. And Casey. Hi, everybody. I'm Casey Ellison. I'm a naturopathic doctor. And I work with a lot of these folks around here in this room. And yeah, we're here today just to introduce some of the ideas that we have for these three buildings. Gary Martin and Crowley. Just a little bit of the technical details. We're under contract with VCFA at this point. It's we're under a due diligence period. So the sale is not final. We have about four months to kind of go through, come through all the details, make sure everything would work. And also have, you know, discussions like this kind of check in with the community, see how everyone's feeling. And so we've been working together for quite a long time. A lot of us here and everybody's going to have a chance to introduce themselves and what they do. But I'm I just wanted to start it off by giving you an idea of kind of what we had in mind. So at this point in time, nothing we're talking about is final. We've started the process of a zoning application. But nothing there is nothing's even been warned yet. So it's not it's not approved at this point. The point of us doing that is just to see kind of where we stand, especially with Gary, because we have some some ideas about Gary that we'll share with you. And we want to know whether that will work, whether that fits in with the, you know, the community and what everybody wants and needs. But yeah, basically at this point, we are proposing and working toward having Martin and Crowley be healthcare space, basically. So we're looking at clinical space, a lot of different really cool integrative medicine practices that we all work with. And some of you may be familiar with the bathhouse plan. I don't know if anyone remembers that. See Joe nodding over there. So we had put together a pretty, pretty cool bathhouse idea for the area around savings pasture, but the scale and the timing and all of that just really wasn't working at the moment. So we've kind of, we've revisited that a little bit. And we're looking into potentially putting a little little baby version of that bathhouse in one of the buildings over there. So healthcare space, a little baby bathhouse. And then, as it says here, we're looking into creating like a creative art space in Gary. So we're going to get into all that a little bit more in the sides that we have. But basically performing arts, you know, music, venue, you know, conference space, all kinds of like mixed, mixed creative use. And the idea is for the three buildings to kind of blend and work together and have a lot of really cool things going on and people in them. So I'll just say that. I'm probably forgetting a million things right now, but we will get back to those things. We'll start with this, which is clinical space in those two buildings, Martin and Crowley. Like I said, I'm a naturopathic doctor. I've worked mostly in the past with women's health, and then kind of moved into oncology. So that's kind of the work that I will be doing. And should we that some of us? I want to give everybody in this. I don't know which one maybe we'll just keep it on this slide. And do you want to go first? Hi, everybody. Um, so I'd be one of the people working in Petra Rowan Rhymes. So I'm a deep tissue, sports and injuries, massage therapists, I incorporate our Aveda Chinese medicine. And I would be working within the clinic space. And so that would be in Crowley. And one of the hopes with Crowley is maybe that the baby bathhouse would be in that space. So there'd be maybe potential for people to be doing sauna, steam, cold plunging, things like that to do a little bit of a circuit maybe to do that before and after sessions or for it to be a part of sessions. So yeah, that would be my prior. My name is Dr. Christina Andriely. I'm a local chiropractor and acupuncturist down on State Street. And I'm one of the practitioners bringing in a pretty stable and robust practice. And I'm vital life. And that being said, my main focus is really being able to meet people where they're at with their health care needs. And I have a pretty diverse set of offerings being both chiropractic and an acupuncturist. And I'm really focused on Petra and I work wonderfully together because we love sports injuries and you know, bio mechanical, you know, reorganization. And so we have great referral practice together. Yeah, we want to we want to and you know, as well as I love treating children with sensory integration issues, I work a lot with concussion in the same vein sensory integration memory loss, you know, getting people back functioning where where they really need to be. And I think all the practitioners here as you'll hear we really are practices come together really, really well. And we already have a really wonderful referral network between us. And which is why having having everyone together in the same space just is a really powerful concept that we want to share with everybody and bring that together. So that's me. And my name is Wendy Halley. I about nine years ago, I open Lucid Path Wellness on State Street. I am a long time clinical psychotherapist. I about 30 years I just figured today, I started when I was four, almost 30 years. And I also so my my psychotherapeutic practice focuses mainly on short term solution focused employee assistance program work, which is basically working with in the workplace with employees and their dependents and and also helping workplaces deal with issues they might be having between employees and such and workplace wellness, a lot of so that's a lot of my psychotherapeutic practice. And then I have this other foot in a different world where I have a also a long term usually until today under the radar practice doing shamanic work. So basically, entering a dream state and working with the dreaming of other people, and helping them kind of, I guess change the dreaming, the narratives that are playing out in their unconscious. So there's that it's very hard to describe clearly. How'd I do? Yeah, you can ask questions later if you're that interested. But the thing that the reason why I opened the Wellness Center on State Street, it's like the biggest secret in Montpelier is that I purchased this enormous healing chamber that uses light and sound. I got very excited about it when I tried it out in Colorado. It's the only one east of the Mississippi. It's huge. It's about 3000 pounds. And it's it's it's an incredible device that uses harmonics to bring your body into into a place of harmony on all levels. It's a really cool experience. It's incredibly difficult to describe. It's a marketing issue. Which is why maybe it's such a big secret. Could be. But anyway, I I don't need a storefront. And so I also have been, Christine and I in particular have been talking about combining our practices for a while because they complement each other really well. They both, yeah, I said that right. Anyway, I am very excited about about moving my giant machine into Martin, because it fits. That was the big thing it fits. So I'm excited about that. And then moving the rest of my practice there as well. And let's see, I also I'm a podcaster. I don't do it live, which is you could probably tell from me talking to you right now. It's a good idea that I don't do it live. And then I do some writing as well. And then maybe I'll do some sleeping when in between all those other things. Did I cover everything? All right. Thank you for your time. Hi, everybody, I'm Claire Wheeler, and I'm not one of the businesses represented here. But in my day job, I'm the director of inclusive entrepreneurship at Mercy Connections. It's a community based nonprofit in Burlington. And I teach business classes and self employment to folks that have traditionally been locked out of access to entrepreneurship. So women, trans, non binary, gender non conforming people, people with disabilities and different abilities, new Americans, immigrants and refugees newly settling here in Vermont. And in the nighttime, I am lending my services to these people who I love dearly all businesses also that I am a client of to help think through the business plan. So as Casey mentioned, we are very much putting our ideas together. This is kind of the first step of getting feedback from the community. And really wanting to know what's going to work in those spaces, if those spaces will work for what we have envisioned. And if they're all viable businesses as well. So that's kind of where I come in with some spreadsheets. So maybe I'll advance the rest of these slides. Is that sound okay? Cool. So just to kind of review, these are some people that you could just look at right here. But I got excited about the different colored circles. So that's why they're there. So I'm actually gonna, I'm just gonna skip ahead to the simpler buildings. This is Crowley, and you'll recognize it as the newer building. And this is where we're talking about having practitioner space, clinic space, mostly in the upstairs rooms that are that you can see there on the top. And it's got a really beautiful entrance that you've probably seen folks gathering in, which would be reception, it would be where we'd have naturopathic remedies, and different things for clients using the space. And then the small hydrotherapy center, aka the baby bath house in the basement, where there are already rooms available that that would work really well for that. So as you can imagine, there's stuff to figure out there engineering and and cost related to that. But that's the plan for Crowley. As far as we know, in terms of permitting, the personal or professional services use is all that we would need in order to be able to do all of that in the building. And so we won't be applying for any zoning changes for this building. And then Martin is that build is the building kind of right behind Crowley. I don't yet. You can't quite see it in these pictures, but right behind it. This is where that giant energy Genesis machine that Wendy talked about will be. And again, this will just be healthcare practitioner space. Similar to Crowley personal or professional services is what it's currently zoned as. That's what we'll use it for. And then Gary is the library, which this is where it gets a little more complicated. So Gary, for that space, we're kind of testing out and seeing what's possible. As Casey mentioned, we'd really love to create a multi use community space that centered around the creative and expressive arts. So thinking about it sort of as a venue as a gallery as a place for the community to gather for workshops and conferences. And potentially also being able to enjoy food and drink. Tula might talk a little bit about the juice bar idea that we have going on, but healthy and restorative food and drink available. Currently, Gary is zoned for Academic Institute Library and personal professional services. As Casey mentioned, we've begun looking at the zoning application. And in order to kind of create the most possibility for what we'd like to try to accomplish there. The new conditional uses that we're looking at for that space include restaurant, they're listed here, theater and performance exhibition convention or conference structure and museum gallery and exhibition hall. So even those uses might give you a sense of kind of what we're hoping to do there. Let me see if there's anything else. Maybe you can I'll leave that for you. Yeah, hop on in twiler town. Hello, everyone. My name is Tula pleasure. I am. Yeah, I am very excited about the idea of potentially starting a juice bar and Gary.   Oh, I forgot to mention, I am. Well, I'm the, you know, graphic designer and web designer. And I have been a raw food chef for 15 years. So, you know, raw foods and health foods and all of that is kind of where, you know, that part of my that that, you know, that's the part that comes in with the juices. Well, we'll make the designs beautiful too. But yes, so that's, you know, the idea would be to have a juice bar, you know, possibly like, you know, smaller scale cafe of like, you know, possibly to go foods or we're still working on the business, this business models, as you can clearly see. But, but yeah, that's the plan. And yeah, I guess I'll just I'll finish up the slides just to say, Casey, you know, we've been kind of envisioning and thinking about bathhouse for years in Montpelier. And we're also kind of seeing this idea be popularized in other places in Vermont. I just came back from a lovely weekend in Montreal, where there are many spas as part of the cold weather culture. So I just kind of wanted to highlight the idea that finally in New England, the idea of hydrotherapy as a as a health practice is becoming a little bit more well known. And it's really exciting to see something being proposed in Burlington South End. And then the most of pretty recent issue of seven days kind of talking about the practices of hydrotherapy and the benefits of it across the region. So happy to talk more about sort of where these ideas come from and where they're being practiced and why we think Vermont, Montpelier in particular could use one. Yeah. So I think from here, we might are we ready for questions? Anybody else want to hop in? That's a great question. That's the last slide. Thank you. Thank you. Thank you, everybody. Like I said, I'm sure we're forgetting a lot of things, which hopefully everybody can jog our memories by asking questions. Yeah, we're really excited about all these things. I can talk all day about the bathhouse idea. If anybody has questions about that, it's something that I've been studying and working with for most like half of my life at this point, Petra to and of course, everybody else here has gotten roped in in a bunch of different ways as well. So please ask any questions that you have and we'll do our best to answer them. Hi, thank you for your presentations. I'm Paul Carnahan. I live over on Sabin Street and sort of a technical issue. I was wondering if you are owning the buildings, owning the land. The college had talked about doing a condominium type arrangement. So I was wondering if you're entering into a condominium arrangement where you co-own the parking spaces and the heating plant and all that. How do you envision that working out? Thank you. Yeah. So we're still working out some of those details, but we will not be purchasing the land. The buildings are all we would be purchasing. And yes, we are discussing condominium agreement mostly to deal with parking. But there is a possibility the parking will be dealt with through a different kind of agreement. But we do have some shared heating with the buildings being kind of linked. We're going to be kind of working on making that a little more autonomous and also kind of in agreement with with VCFA at this point in time in terms of sharing that. So I think that was was that all the question that you asked? Is that answer your question? Yeah. Hello, Joe Castellano, Sabin Street. It's the Sabin Street Mafia over here. I also know Claire and Petra as well. I just want to say that I am very encouraged by the fact that you guys are coming up to buy three of the buildings. And I think that you're going to put them to some wonderful uses. Have a couple of questions. Now I know it's still very preliminary. Do you have some sort of timeframe as far as if everything went like perfectly? What your timeframe to actually get permitting and have everything up and running? And then obviously, I don't think financing is going to necessarily be an issue, but you know, that's certainly another question, too. Yeah, so like I mentioned before, we have a four month due diligence period, which is a little spongy at this point, because there are things that, you know, like parking, we were there are a lot of questions around that we want to make sure we address everything in traffic studies and everything. So four month due diligence, it puts us into July, basically, I think. Is that right, Katie? July. And we anticipate opening the clinical space earlier than everything else. We still have a ton of research to do on everything, but in terms of the baby bathhouse, we anticipate that taking some time to build, probably, I'm guessing, at least six months. But hopefully we would be operating everything in Martin and Crowley other than that, starting in maybe August or September. Gary is a much bigger question mark in every way, because, you know, of course, we have lots of ideas. And because we don't know whether even we can whether we can even get zoning approved at this point, we're not we're not counting on anything in terms of it being, you know, any kind of done deal. So we need to figure that out first, and then kind of where we go from there. It's it's not it wouldn't necessarily be a major remodel or anything like that. We would probably be using the building mostly how it is. So I really don't know when we would get into Gary. It's hard for me to even guess, but I would say maybe not till next year at this point. Yeah. Yeah. Hi, I'm Donna Ackerman. My house of butts VCFA land on Camp Street. My question is I have a million questions, of course. Do you anticipate at this point that the parking that exists will will take care of your needs? Yeah, that might be a question for Katie. Hi, Katie, I do think that what we have right now will accommodate the needs of what we're planning for. And as people saw in the Campus Master Plan that we submitted, there are areas where we would add parking if needed down the road. So I think the two most likely places might be a little more parking right along Ridge Street and then the old tennis courts. So we wouldn't need that right away just based on what these folks have planned. But given some of the other that Leslie referred to, if those items come to fruition, eventually, and by eventually, I mean probably five years from now, there might be some additional needs, but right out of the gate, we're in really good shape. Okay, great. Could I ask one more question, please? And it's for you, Casey, how does this affect your plans for the use of the lower pasture, please? At this point, we're just holding on to that land. We're really not sure what's going to happen there at this point. We're not actively seeking any other, you know, we're not considering selling it or, you know, developing it or anything at this point. Basically, the bathhouse, the original bathhouse plan that was intended to go in that land, we're trying to create something that ended up being extremely expensive, as you can imagine. And, you know, our whole model is one of accessibility. So that is something we're really still working on. How do we build something like that and then make it really accessible for people? So I'm hoping that at some point when we are able to expand the bathhouse that we might end up still building something there. I won't say I'm hoping that. I am open to that possibility. And as you may also remember, there was some discussion of what we were calling phase two. Originally that we were interested in creating kind of a simple, beautiful, affordable housing, potentially like maybe some food space, some food incubator space. We talked about a lot of different ideas similar to this, throwing a lot of things around to see what would stick. So at this point, we're keeping it as open space. We definitely want it to remain park for the community. And whatever we do, that's all that's always in the plan. So it would be a low, I don't know the word I'm looking for, low density situation no matter what it is. So does that answer your question? Yeah, great. I'm Alisa Tversky. I joined the property on First Avenue next to Dewey. And I want to say I'm so delighted to meet you and that this meeting is happening. Because this, you know, from my personal point of view, this gathering of neighbors and getting to know who the owners are, this is exactly what I was hoping for. And I also sensed in your talking about Gary, because conditional use might come into play, some hesitation and perhaps some fear about a response from the neighbors. And I can only speak for myself. But to say, you know, I'm a designer. I like seeing constructive reuse of buildings. Please don't be afraid of the neighbors. Just engage us in open transparent conversation. I think we want, I would like to see constructive reuse of buildings. And I really appreciate the fact that you're taking this step to engage us today. And I guess if I had a question, it was do you have any ideas about how ongoing engagement with the neighbors might take place in a way that we can support you whenever possible and encourage you, you know, to be as creative as possible within what works for everyone, including the community. So if you have thoughts about, I would say, you know, as often as you would be comfortable, it would be great for me. And but, you know, I don't know what you have in mind. So if you have thoughts about that, I'd love to know. Thank you. Yeah, we we have some ideas, but we're also we also have that same question. I should also say Petra and I live on seven at Seven College Street. So we are slightly further down neighbors to the college as well. So it's nice to meet many of you. And for that reason and for the reason of wanting this to work for everybody, we're really, we're really excited to keep talking. So ideas would be, I think, you know, yeah, hosting some kind of ongoing conversation, whether it's in person or on Zoom. We I think I think we have contact information for many of you because we've been trying to start that conversation. So the first idea was just to make sure that we can be in touch as a result of tonight. And I think we brought a clipboard, an old fashioned clipboard to get to make sure we have everybody's email addresses. So the thought was we could at least make sure that we're in touch and begin the the conversation of hearing what you all might need as neighbors or we all might need as neighbors and what kind of conversation is going to be helpful. Sharing updates as they come along, that sort of thing. So that's all that's kind of as as fully cooked as that idea is, but it's certainly a start. And I think we can co-create something that works for everybody. Thanks. So besides the clipboard, very old school, we'll also be launching a website soon where people can see updates and read about what's happening. And that's still cooking up, but it will be, you know, up and available and they'll be con, you know, all about websites. So ways for us for you to see what we're doing. Ways for you to get in touch with us. All of those things. I'll mention too, as part of the kind of business planning for Gary, we there's lots of folks in the community who I think have good ideas for use of that space and desires for use of that space. And so we'll also be, you know, beginning a process to engage folks who know a lot about running venues, seeing Meg in the back there and hi Meg, in Montpelier and what works and doesn't and who have desires for what that space could become just so we're kind of getting a lot of ideas and again, coming up with something a little more specific and a little, you know, catered to meet the needs of the community. So those might be the same processes, they might be slightly different, like keeping keeping you all you stakeholders, neighbor stakeholders as involved as possible around the procedures that are in the, you know, the development as well as sort of building the business plan for Gary is sort of its own. It needs also needs focused attention. So we hope to begin both of those processes as, you know, jumping off point from tonight. My name is Linda River Valentin. I've been a Montpelier resident for about 25 years. I'm a small business owner and I was also your library and some of you for about 13 years when I worked at the Kellogg Hubbard. Also your little people came in after school and books were checked, right? So as a community member for 25 years and knowing the arc of the soul and the spirit of this town, it is a great relief to me to hear that there is in fact not as much calcification or kickback at this particular meeting that I anticipated. It's a great pleasure to hear the way that people are receiving this information and to know that especially with the changing project around Gary and the way that it's still in, you can clearly hear a still in transformation, friends who used to go to the Langdon Street Cafe and so mourn the changes on Langdon Street, except for the lovely J. Langdon. You know, this is it's a really exciting thing to hear about the potential shift in this venue for Gary. So I'm hopeful I'm also listening. I'm also excited to hear the way that these friends are going to bring something back to town that we lost for a little while, but it's not gone forever. My name is Peter Kellman. I used to be a neighbor on College Street right across from Betcha and Claire. And even though I live on the other side of town, I think it's really important to engage people from the other side of town. Some of you know that I've been doing a newsletter recently called the Unpillier Public Engagement Newsletter and anybody who wants to give me their email, I'll send it to them. This is the way we should be doing it. This is exactly the way the DRB comes later. The DRB should not come first. The DRB is a very formalistic bureaucratic process that creates animosity. So I say to you guys, thank you for doing this. And I would urge people in town, talk to your neighbors, get other people to become engaged. Now, I do have one caution. It's very hard to, putting up a website is not enough. It's very hard when everybody's got busy lives to engage them and to keep them involved. So I think you guys need to be thinking about building up a mailing list. Email is very powerful. Okay, so I encourage you to do that. Don't depend on a website. All right, thank you. Hello, my name is Danny Sagan. I live with Elisa Dorske at 31 First Avenue. I have a question about the hydrotherapy space because I'm following the models of sort of appointment based therapy and treatment that you're all describing. And I understand the model of a juice bar and maybe some social gathering around art. I get that. The hydrotherapy space, which I won't use the word bathhouse because I prefer the word schvitz. But anyway, is this a public facility that's open so many hours of the week and we join as members or we pay once we go? I mean, what is the concept there? Has that been discussed as part of the business plan? Okay. Okay. All right, thanks. Yeah, we've looked at some different models for it and it's changed because the scale of the actual bathhouse or what's the word used? Yes. So the scale has changed. So when we were looking at a bigger bathhouse hydrotherapy place, of course, we were looking at memberships and all the different things and having a clinic space there. And then with this smaller scale, we're just going to have to see what works because there it will be smaller. It'll be a smaller space. So maybe we'll have like membership and appointments where you get a certain time and you kind of work through like a circuit of things. So maybe yeah, you'd start with a hot pool, maybe go into sauna, go into steam room, go into co-plunge, maybe do that five times. And so the idea would be that you would kind of do that until you felt as though you were good and then there would be more people moving through. So that is one model. So accessibility is really important to us. We really like the space to be accessible to as many people as possible. Like Petra said, it is a smaller, much smaller model. And hopefully it's just the beginning. But we are, you know, there are many models of different bathhouses, schvitzes, all the things. So we've kind of outlined every one of them and gone back and forth and kind of created a combination of things. So we do need to see also zoning wise what's going to work. Because for example, with personal and professional services, there's a requirement that there is a schedule followed in some way because of parking and making sure we don't have too much traffic flowing through. So there are creative ways to deal with that, you know, like even if it's just like, oh, I'm coming in and do you have space for me to schedule right now? Like so we're looking at all the things and we would welcome your feedback on that because we do want to know what people what people are looking for. So let us know what you're thinking. Hi, my name is Patty Merriam and I'm a current student at VCFA. Thank you all for coming and for the community. This is a lovely meeting. And I really appreciate hearing about what you're doing. It's exciting and it's and it's good work. But the very civility of this community that you have here with the neighbors is something that was denied the students of VCFA. We were this was hit with at us in July at the residency with no warning. We had no idea that the school was going to be sold. And we had no input in this. And regardless of what President Ward says, place is very important for art students and for the for the arts in general. When we come here and that intensity of 18 days for each of us a year, a total of 180 days out of the year were on the campus, place is very important. And the places that we're looking at moving to are now Colorado Springs and Sasquahana, Pennsylvania. We feel safe here. This is a place where as artists, we don't feel threatened. And given what's just happened in Colorado Springs at Club Q and in general the crime rate both there and in Sasquahana. We're really unhappy. We're really, really unhappy and afraid about the move. And why that's not on you guys. And I would love to see something like what you're talking about in Montpelier. But we would have appreciated this kind of a moment. None of the students, no staff, no alumni, alumnus were involved in this decision to move. And so I don't want to hold it against you. But I would love you to work with us. So we have a group called VCF, a stay. We have a website where we put up our concerns and the research that we've done because we still haven't been given a plan from the administration. Nobody sat down with us and said, Here are the buildings. We've done this analysis. This is how much it costs to restore them, maintain them. There was no plan. So you guys have had more time with our administration than our administration has given us students and the alumni. So I have a question for you. Gary library is really dear to the alumnus and the students. It's an amazing place.  Why are you purchasing it if you don't have a really clear model? Because it's so valuable to sort of the history of the place and the connection. And I so if you could answer that and also talk about if there were other buildings other than these three that you considered because the Crowley Center was built with donation money over a million eight, I think. So people who thought they were donating in the legacy of Louise Crowley, who was a co a chair here, I believe. It doesn't hold well, right? They thought they were giving money towards the VCFA and now it's being sold to a for profit business. So these are concerns we have. And I would love further conversation with you folks to talk about that. And if you could just answer them, some of those questions, I'd appreciate it. Thank you. Well, I think some of that might be not ours to answer. But for our part, I would say that. I think that it's important for us to be able to hold the grief of this moment kind of right next to the excitement that we're having for the potential for this space. It's a really complex thing, you know, I think I don't know, I can't speak for all of you. But for me, hearing that VCFA was leaving was also a very sad thing to hear. And that was what I had personally processed first before this came up as a potential for us. So I really hear what you what you have to say. And I wouldn't ride over that grief and the fact that, you know, this is all very conflated and complex. And I'm sure for a lot of people, it's really sad.  We're definitely here for that to hold that and to have that dialogue and to feel it ourselves. So I appreciate you sharing the harder side of it. I think that I can't quite answer. I don't know how to answer your question about Crowley, that that is a complicated thing. And that's not something that I had any awareness of personally. But I will say that Gary, a, we're not we're not sure yet if we're purchasing it. We're we're interested in occupying that space probably for the same reason that the students love that space. It's a beautiful, incredible, just full of so much. I mean, it's it's an incredible space. And we would really love to be part of, you know, taking that forward as an artistic and inclusive and incredible place versus, you know, other things that I had heard like people may be thinking about putting housing in it. It didn't seem it didn't seem like that would be something I would really personally want to see myself as a community member. I thought, you know, maybe if we could create some kind of performing arts and other kinds of art space that everybody could still occupy it, you know, the VCFA students who love it could still occupy it right alongside the new students who we know are coming in. So it's not a perfect answer, but I mean, I imagine it might be preferable to it becoming condominiums. So I hope. So I would. Yeah, without without just skating over that, I would hope that that does offer some degree of comfort knowing that you could still be in the space that you love alongside of all the new people that might love it. Hi, folks, I'm Glenn Hutchison. I'm a neighbor in Montpelier across the river on Prospect Street and a friend of some of these people. And this is another question I think that is probably unanswerable yet. But I'm also curious about Gary as a library. That's a touchy subject at the moment, and I'm.  What's going to happen to the books? Does anyone know what does the college think might happen to the books at this point? Do you folks have any ideas? Definitely have a plan to move the collection back to this building. We have a space committee that's been working on that question for around six months. The library collection actually used to be in this building. So it is in a sense coming home. And so we are planning on bringing the collection back into this building. We are doing some deaccessioning. There are some books that in the 12 years that we've owned the collection haven't been taken out. So there is a process underway where the librarians are looking at the collection and pulling things out and checking with faculty just to make sure that it makes sense to deaccession some of those works. And then the rest of it will move over here eventually. So I hope that does answer your question. Katie, that reminds me. I had a question with your staying with the administration in this building, from what I loosely understand it tends to be the upper levels and that the lower levels had some classroom space. Will there be tenants or other people using this building as well as VCFA using those extra spaces? Or will it just be VCFA administration in this building? All staff have offices in this building with the exception of the library staff. But those folks will have spaces here. But aren't there classrooms on the lower levels still? Or am I mistaken? There are classrooms on this level, on the lower level. So how will those be used? We will continue to use them as meeting spaces. And they may be rented out on occasion as they currently are to people who need meeting space in Montpelier. OK. Thank you. I'm not sure of the time, but I imagine it must be getting close to 8 o'clock. But I want to make sure anybody that did have. Thank you, Joe. It is just after 8 o'clock. I want to make sure if anybody else had a question. It doesn't look like anybody is headed towards the mic. So again, I want to thank, as Leslie said, in the beginning, all of you for coming out tonight. We really appreciate the time. We appreciate all of you folks to come to start to talk about what your vision is and to Orca media again to help us be able to provide access to folks who couldn't make it out tonight. And certainly we will be having follow up conversations as as folks want to hear. We want to engage this neighborhood. And as we have more information, we're really eager to share that with all of you. So thank you so much for coming.


Hey everybody, this is Brett and this 2011 Dodge Challenger SRT8 392 is stock number 12643Z. We are here at Summit Automotive in Fond du Lac, Wisconsin, you're new and used Dodge and sports car headquarters. Yes, we're starting sports car season a little early this year with this 2011 Dodge Challenger. This one has the 6.4 liter V8 392 Hemi engine, it puts out 470 horsepower. This is the first year that you could get the 6.4 in the Challenger. We're going to go inside all the way around, start it up, take a look under the hood in this video. Toxic orange pro-coat is the color and we shoot all of our videos in 1080p 60 frames per second. You have HD capabilities on your computer, tablet, smartphone, or television. I highly recommend turning them on right now because it is your best way to check out the quality, condition, and options of the car before seeing it in person. And if you like the video and how we do things here at Summit Automotive in the upper right hand part of the screen is a subscribe button to our YouTube channel. Click that and then click the bell notifications and you'll get updates every time we do videos of our new and used inventory each and every day here at Summit Auto. This one comes with the 20-inch SRT painted and polished aluminum rims. It has the Brembo brakes with the slotted rotors and it has Firestone Firehawk Indy 500 to 4545 R20 tires. These tires have just about all the tread left on them and those rims are in excellent condition. Front fender is absolutely perfect. No dents or dings. This one does come with the HID headlamps, the factory fog lights, front bumper, and lower valance are in excellent condition. You can see the bumper has never been drilled into. Headlight lenses are nice and clear. The stripes are in excellent shape. I didn't see any dents or dings on the hood. Looks really good. It is a true cowl induction hood. Passenger side front fender is in excellent condition as well. No dents or dings on that. The passenger side rim is in very nice shape as well. Toxic orange has just a little bit of metal flake to it. I can get it to focus here. There we go. It's really a cool color in the sunlight. It's a cool color even not in the sunlight. Looks really good. As you go down this side of the car, take note of how clean the body is, how reflective and mirror like that paint is. We take these HD videos so if you are far away or even if you're close by and just cannot make the trip down but you're still interested in purchasing the car, you can see the car, hear the car, and have confidence in the vehicle that you're looking at before you even get here. When you do get here or get the car shipped to you, there will be absolutely no surprises and you can make a smart and informed buying decision from wherever you're at. If this video helps you make that decision, let your salesman know that you saw the video, that it was helpful and that Brett sends you. Get the Brembo brakes in the back. This back room is absolutely perfect as well and the back tires have just about as much tread as the front tires. It gets you a little bit better look at that tread pattern on there. Look at that frame and underbody, it's like new. Coming around to the back of the vehicle, rear bumper is in excellent condition. No dense dings or scuffs on there. Comes with Hearst exhaust. The deck lid is in excellent shape as well, no dents or dings on that. I like that they have the button back here to open the trunk. The back storage area is very nice and clean. Comes with the kicker subwoofer. You do get the tire inflator kit, the original fuel cover, the original shifter, and this is where your battery is at as well. You can see just how clean this car is back here. Trunk shuts nice and solidly and as you go down the rest of the side of the car, it looks really, really good. Didn't see one single dent or ding on this car. This back room is absolutely perfect as well. And the driver's side door is very nice too. Heated power mirrors, there's no rock chips or anything on the edge of the doors. Inside the SRT package gives you the black leather and suede interior. No rips or tears. You get the orange stripe on the back rest. The SRT is stitched into that back rest. Side current and airbags. Back seats are absolutely perfect. Those seats fold down for extra storage and you do get the factory floor mats back here. Auto headlamps, tilt, telescopic steering wheel, power windows, power locks, power mirrors. You get the suede insert on the door as well. We'll hop inside, take a look at the miles, radio, and everything that this car has to offer on the interior. So you can see that this one is 5,918 miles.  And I actually just pumped those tires up, so got to get it up to speed before those will read right.  Instrument cluster is very nice and clean. Comes with the leather wrapped steering wheel, information center controls, Bluetooth controls on the left, and cruise controls on the right. It does have audio controls on the back of the steering wheel. This one has the 430N radio, which gives you AM, FM, and Serious XM radio capabilities. It also has factory navigation system on it. And it has a hard drive on it where you can store music and stuff and 28 gigs worth of storage space. Don't hear your climate controls, your heated seat buttons, and you get a special Mopar that's a real metal. I think it's aluminum shifter on there, six speed manual, keyless entry. This one has two sets of keys and the passenger side format. And seat are absolutely perfect, smells very clean inside this car. I don't think it's ever been smoked in. And the headliner is very, very nice. Up here you get map lights, home link buttons for your garage door security systems and lighting systems, and auto dimming mirror. We'll start it up and take a look under the hood. Starts right up. No check engine lights or anything like that, just the brake light, and the tire light, which I just pumped up. And we'll take a quick look under the hood. Also listen to that exhaust here a little bit. I would personally like to thank you for checking out the video today, and hopefully from this HD video, you will have been able to verify the quality and condition of this car all the way around. There are your HID headlamps, factory fog lights, and under the hood we have the 6.4 liter 392 Hemi. Engine bay is very clean, runs very smooth. All of our vehicles go through 130 point inspection. Get a fresh oil and filter change, all the fluids get checked and topped off for the State of Wisconsin inspection process, before being made available to our customers. There's your true color, mission sticker, very, very clean under here, and it should be with only 5,000 miles on it. I would highly recommend this car from a quality and condition standpoint. You will not be disappointed in the quality of this car. And to see more pictures of this car, or one of our other 400 and 50 new and used cars, trucks, SUVs, minivans, wranglers, challengers, chargers, mustangs, corvettes, Camaro's, you name it, we got to go to that website right there, www.summitauto.com, full pictures and descriptions of every single vehicle from two locations all at summitauto.com. And if you'd like to check out more HD videos, you can go to youtube.com slash summitauto. Remember to like, subscribe, and share on this video and all the videos that you see there. Click the bell notifications, you'll get updates on the videos we do each and every day here at Summit Auto. In fact, any second you will see a link to subscribe to our YouTube channel on the upper left. Link to more challenger videos like this one on the upper right, a link to this vehicle on our website on the lower left, and a link to one of our latest YouTube videos on the lower right. Click those, check us out. And we're super excited to be offering this Ultra Clean 2011 Dodge Challenger SRT8 with the 392 Intoxic Orange Pro Code. Thanks again for checking out the video, remember to like, subscribe, and share.


Good day, fellow investors. There is so much talk about an imminent stock market crash and recession coming that I really want to give you my perspective on this and how you can prepare for the next stock market crash, how you can take advantage of it, and how you can end up wealthier, happier, and better from a financial perspective. Now, nobody likes a stock market crash. People are obviously very concerned because the last two times when there was a stock market crash and a recession, stocks fell 50%. I wouldn't like to see my portfolio go down 50%, and I assume you don't also. But there is a difference between timing the market and maximizing long-term investment returns, which is the best way to prepare for whatever might happen in the future. Many see the crashes from the past and would think, OK, now it's the best time to sell everything, say goodbye to investments, and that's it. Well, today the situation isn't much different than 2010-11 in the aftermath of the Great Recession when stocks rebounded and everybody thought, OK, it's up, it's already a next bubble, let's sell everything. 2014 people were selling because of the European crisis. 2015-2016 people were selling because of the expectations that China will slow down, global slow down, oil prices dropping fastly. 2018 December trade wars, again a huge sell-off in the market. However, all of those that sold in those dips and negative times lost a lot, missed out on huge gains because since 2009 the SAP500 is up, what, four times. So, selling is not the answer because you never know what will happen in the future. You need to have a strategy that will give you the best returns over the long-term. And that strategy comprises five points from my perspective. It's not timing the market, it's timing the market. You need to take advantage of dividends, takeovers and inherent normal individual stock price volatility. You need to stay true to fundamentals, focus on earnings. You need to own assets because we have seen what the Fed has been doing lately and what all other central banks have been doing and they will continue to do that to prevent any stock market crash or recession. So, it's smart to be invested. And then, number five, you have to always put all the things out there in relation to what your financial goals are. If you need to retire tomorrow and you need the money, then of course you're not going to invest in stocks. So, let me explain you the strategy I think anyone can apply to maximize long-term investment returns based on those five points. If you invest for the long-term, trying to time the market is extremely costly. Just think of December 2018. The news was mostly bad, trade wars, recession, China slowing down, etc. Many sold during December 2018 and they regret it now. The stock market, the S&P 500, take an example, is up 20%. A similar situation was in 2015.  Many sold in January 2016 and they surely regret it now as the S&P 500 is up 50%. So, selling is not the smart decision. If not based on fundamentals or your personal financial situation, your life goals, which is something we'll discuss in the coming points. Let's see how things pan out numerically. Merrill has calculated how much having investors lost by missing out on the top-performing days. And those top-performing days are usually when most people sell or just after most people sell. Think October 2008 or March 2009. The differences are staggering. An investor with 1,000 invested in 1989 would have ended up with 17,000 by 2018. Just missing the best days, 10 best days would have brought down that investment by 10,000 to 7,000, 20 best days to 3,000. So it's crazy to try to time the market because most probably you will lose a lot on that. Also, same situation from 2009, those that missed the 20 top-performing months in this case, those lost money in the period. Simply, the impact of missing 10 best days on the food sale all share index from 1986, the differences are really, really staggering. Just for missing the 10 days. And you can see how those differences really become meaningful from the volatility in the markets. So over the long term it seems smart to hold on to your investments, but that's just one pillar of successful long-term investments. Let's dig into other four pillars because nobody knows what will happen in the future, especially with stock markets. Stocks go up and down. However, you can find certainty in businesses because that is what you actually own. You own businesses and many of them pay dividends and many of them pay good dividends no matter what. Let's dig into the certain part of investing. So you own businesses, those businesses pay dividends. When it comes to good businesses, even dividends and earnings are fairly predictable. Also growth. There will be ups and downs, slow downs, but over the long term you'll do well. For example, one of my holdings is Gatsprom that currently offers a different yield of 7%. Now let's say that in three years there is a crash of 25% that would hurt, right? But how much would it hurt me? If I reinvest the dividend of 7% in 2023, the value should be 131, assuming the stock price doesn't go anywhere. And then if it crashes, I'll be at break-even after three years, three and a half years in this case. So really over the long term the dividends will beat any risks of stock markets, of stocks crashing. Plus there are business improvements. As I discussed in the video, Gatsprom's management plans to double the dividend over the next years to reach a 50% net income payout. If that happens, the dividend will not be 7%, it will be 14% on the current level. So I would need a 40% crash to break-even in 2023. If they double the dividend, the stock price will probably double too, so I add another 100 from my simple example. So I would need a 73% crash to break-even after those business developments and dividends. So I think that's better to focus on owning good businesses, looking at businesses that will do well over time than to focus on a crash. In life you get what you focus on and I prefer focusing on getting dividends, getting improvements, owning great businesses. Furthermore, if you own a portfolio of 8-10 stocks, there will always be takeovers. So you suddenly find your company up 30-40%, even in pre-crash periods like now, pre-recession periods. And then you get the money from the takeover or from selling diploid somewhere else depending on what is cheap. Number three, from this point, there is so much individual stock volatility that if you just take advantage, in each year you don't have to care about crashes. The thing is that most probably all stocks will see a 40% drop from the highest tick in one year and a 50% jump from the lowest tick in one year. Let me explain. So this is Apple from the bottom price in January 2019 of 142, the stock spiked to 233 in September. That is 64%. So this is what you have to focus in life, not crashes. Stocks will be volatile all the time, your portfolio will be volatile, but you can take advantage of that inherent stock market volatility.  This is also a good introduction into the next point, which is stay true to fundamentals. It's pretty simple. Long-term investment returns will be perfectly correlated with the underlying performance of the fundamentals, of the business, of the earnings. And earnings are cyclical, so it's better to give a cyclical perspective on those. And therefore, it's good to use the cyclically adjusted price earnings ratio that takes into account 10-year average earnings. And you see here from data from Professor Schiller and Starr Capital, the higher is the cyclically adjusted CAPE ratio, price earnings ratio, the lower is the return. So this is simple truth statistics. So you want to be exposed to investments with lower CAPE ratios. The current CAPE of the S&P 500 is 30, therefore, you should expect a 15-year return from the S&P 500 between 0 and 4% per year. What you can do if you're not happy with returns between 0 and 4%, you can diversify it with other sectors or countries. If we look at this map, we see that the highest CAPE is in the United States, but other countries have much lower CAPE ratio, South Korea and Russia has the lowest CAPE ratio that should lead into double-digit long-term returns. Even Canada has a better return than the United States, 7.1%. China is still 10%, I think. So that is a global perspective on CAPE ratio. I prefer to look at individual businesses and then look at those countries. And yes, I am long some Russian stocks, but also, for example, some commodity stocks, as commodity stocks have very low CAPE ratios at the moment and offer 10% and higher long-term returns from the situation. Then the fourth pillar is we have seen last week what the Fed did. They simply plowed a lot of money into the system. The ECB is buying back bonds. Central banks are just pushing money, money, money into the system because they want to prevent a crash and they want to prevent a recession. So there might be a difficult situation, but stocks might actually melt up because the Fed will start buying them like the Bank of Japan is doing in Japan. They simply want things to continue as they are going now. We are living in a financially engineered world. Everything that has been going on over the last 10 years is financially engineered. So you might want to play the game in order to take advantage of it. I know it's smart, it will crash, it is a good message, it is irrational what's going on. But sometimes you simply should not fight the trend. So owning assets, owning great assets that give you, let's say, great limited assets that will go up in price as the Fed pushes more money into the system, give you protection for what might happen. I think there is a 30% chance for stocks to go up, 30-50% over the next years. And I think there is the same or even a lower chance for stocks to go down 30-50% because of the divine, or let's say the Fed's and political intervention that will keep markets up because nobody can afford lower stock markets, lower asset prices. So that's also one thing to keep in mind. It will develop into inflation probably in the long term, as Ray Dalio said. So you want to stay protected, cash is not a good protection. And this also leads to the fourth, fifth pillar of this strategy. It's all about you. I don't know your personal situation. Let me know in the comments or send me an email if you want to discuss this personally. But it's all about you. If you are about to retire, you know you need that money soon, that no investment is smart to do now. Or perhaps you can get a real estate investment where you know that you will get a certain amount of rent that you are happy with. Or some bond, even if I don't like bonds because days are not protected, doesn't protect you from inflation. So really put things into perspective. How can different scenarios impact your life and make a decision based on debt? Let's see. So this is the probable SAP 500 corridor using current fundamentals. So yes, SAP 500 stocks can go to 4,000, 5,000 points over the next years. It's unlikely, but it is possible. But those can also fall to 900 points in the worst case scenario that happened over the last 100 years. However, it is likely that we will see a 0 to 4% return and that in December 2032, the SAP 500 will be at 4,400 points. But you have to think about, OK, how can I handle the SAP 500 at 1,600 points in 3 years? Can I take it from my personal financial perspective? That's my message. I don't know whether a crash will happen tomorrow in 5 years, whether our stocks will be 50% up before we see a crash of 40%. Nobody knows that. That's betting, that's timing, that's speculating. And that's something you don't want to do with your finances. You want as much certainty as you can get, as much fundamentals, as much earnings, as much businesses, as much common sense as you can get. And this is what this channel is all about. So please subscribe, click that notification bell not to miss any videos about common sense investing. If you want to see where I invest, if you're interested in individual stocks with low-cape ratios, with higher expected long-term returns, if you are investing in individual stocks and you have a portfolio of individual stocks, please check my stock market research platform with all my research reports, sector analysis and my portfolios and a clear comparative table of various stocks that I think will do well over time, do so well that you don't have to care about crashes. Thank you. Looking forward to your comments and I'll see you in the next video.