Are the Steelers on a decline going into the NFL postseason this past week against Washington? We have to give Washington some credit. Okay, their defense really played well But we want to talk about that game against the Baltimore Ravens as well the week prior I know it was Wednesday I know got pushed back as a COVID and might have just messed things up But they didn't look that that well at all they they had The game in their hands it seemed like and then they just gave up a big touchdown to the goats trace McSorley I don't want to say trace McSorley. McSorley is the the greatest quarterback of all time But he's probably I would say like 15th or 20th like greatest quarterback of all time So like I understand why they would give up that touchdown to him because he's pretty freaking good But they almost lost that game against the Baltimore Ravens So the question is can they just rebound and just prevent the skid that they've been on recently? We have to look at the remaining schedule the four games remaining for the Pittsburgh Steelers are the Buffalo Bills this week Sunday night football. That's gonna be a great game the Cincinnati Bengals the Indianapolis Colts and the Cleveland Browns Three of these teams have a winning record and they're very very good the Bills the Colts and the Browns Let's say out of those three games because we we expect We know anything could happen, but we expect the Bengals to to lose to the Steelers So they got one victory there and now have 12 games Won for the season out of the Bills the Colts and the Browns Which of these teams can they be well if they played the way that they've been playing Recently the last couple games They're gonna lose to all of these teams and there's a high possibility that they could go 12 and 4 However, if they turn things around and if they were to Just say okay those games were outliers were still a very good team They can beat the Colts they could beat the Browns Maybe you lose to the Bills. Let's just say out of those three games. They'd be two of them Okay, they'd be two of those three teams. Then you sit at 13 and three Which sounds great sounds amazing, but the question is will they get that first round by because there's seven teams now in each conference for the postseason run Meaning that the Kansas City Chiefs led by MVP favorite Patrick Mahomes Will be candidates to get that first round by and Pittsburgh will be left out as the second seed Facing the seventh seed. What are some teams that have the possibility of being the seventh team in the NFL? Well, there's or in the AFC There's a Tennessee Titans who are very good and could upset any good team at any given point with the offense that they have There's a Baltimore Ravens, which we see with Lamar Jackson if you lost almost without Lamar Jackson when you get Lamar Jackson back It's a possibility that they could pick up a victory Against the Pittsburgh Steelers because it's very hard for any team to pick up three straight victories or Three games three victories one against the division rival playing in the postseason as well But this is history That we this isn't the first time that we've seen this where a team has started out hot And they kind of fizzle out other examples of that include the 2008 New York Giants started 11 and one had one loss Because Cleveland Browns, I believe it was week five week six 11 and one fresh off the Super Bowl Eli Manning great Pro Bowl year They finished one in three and They lost their first game that they played in the postseason They had a first round by but they lost against the Philadelphia Eagles who weren't that good There are nine six and one I believe was a record and they lost to them in the divisional round Okay, that's just one example. Did you that following year 2009 Colts? They elected to sit their starters the last two games Jim Caldwell did they could have gone undefeated They were fortunate to know they sat out Their starters the last two games that ended up costed them. They lost a Super Bowl that season The 2011 Green Bay Packers. All right. They lost to the Kansas City Chiefs Upset victory with Kyle Orton as your quarterback and What was I think the score was seven to three or something ridiculous like that like a defensive game And then they lost their first game that they played in the playoffs that year To the New York Giants who eventually went on to win the Super Bowl most recently The 2019 Baltimore Ravens. All right, they started off two and two had that loss against the Kansas City Chiefs in week three And then they ended up going 14 and 2 They lost to the Titans in the divisional round their first game that they played in the playoffs that season Are you picking up on a little trend or teams that start off hot and up physically at the last four games three games whatever it may be and They end up losing a game in their first their first game in the postseason that year now the Colts They went on to the Super Bowl. So maybe they're not a perfect example of that, but This is history. We've seen this time and time again, and I don't know what it is I don't know if it's easy for teams to to realize like oh You know for teams to pick up on how they're doing and pick up on their on the game plan and Maybe just some players aren't that motivated when the season You know keeps on chugging along But I don't know what it may be but the Pittsburgh Steelers are right now on the cusp of being one of those teams Because what I believe is for the Pittsburgh Steelers to avoid this skid you've got to get the run game going You really do and maybe it's gonna be this week with James Conner now activated Against the Buffalo Bills who haven't been that good at stopping the run Maybe it could be this week that the run game starts going But that's the one area that you've been lacking and I believe if the Pittsburgh Steelers were to just get that together I want to get the run game going this offense would be better than ever We know the passing game just it does really well, but you can't just rely on that all the time The Steelers could have tied this game. Actually, they could have won this game by a point If they were elected or if they just ran into the end zone with Benny Snell four different times They tried they really did but they didn't get in they're on the goal line and they could have won this game 2423 but this run game it needs to pick up the slack. It really does to avoid another skid For the Pittsburgh Steelers, but leave your thoughts that down below What do you guys believe is going to happen for the Pittsburgh Steelers in their fate this upcoming postseason?


The contribution of working women in India to the social and economic growth is immense. Amid the period of novel coronavirus and the lockdown, majority of the women workers have been affected. Notably, Tamil Nadu has been in the top in terms of number of working women. We will look into how working women have been affected these days. It is a difficult situation and we are struggling to get food. We are not earning anything and even our employers are not helping us in any way. Rs 1000 is not enough for us. Government should consider us and our livelihood. I am working in Sipkat. Last month, I had worked for 20 days and was given Rs 7000 as my salary. But I can't run my family with that salary. This month, I haven't gotten my salary. This novel coronavirus is torturing us and we don't know what to do. The situation that we are having today is almost like we are going to be talking of before coronavirus and after coronavirus. So, in that kind of situation, how were women workers before? Now after coronavirus, how are women now? Before the coronavirus pandemic came and our country was responding to it. Women did not have much support but they were going out to work. They had a job. They did not have time to think. Because as you know, in India, women are working for more than 5 hours only in unpaid care work. The difference between men and women in unpaid care work is huge. Men are working only for 52 minutes in a day for unpaid care work whereas women are working for 5 hours. So, even though the stress on them for more work with their families is also going out to work for a wage, the burden on women has always been more. And they have basically more than double burden. That is the home and work. But they also have other burdens which are caused because of their low cost status, because of their stigma at the workplace that they don't like to say, oh I am working as a well-eccarii or domestic worker. Or even a garment factory worker for that matter. There is a stigma attached that they may be having a relationship outside. So, their personal life is embedded and meshed into this. And the burdens of work were always there. So now, after Corona, what happened? The crisis is that the women lost their jobs. They have no income. Even the domestic worker, the woman worker who is selling her some vegetables in the market place selling, let us say, some small, small things in the local market or fish or whatever they are doing to make a small living. They have all lost their jobs. Actually, after Corona, will they be able to recover that? We know for a fact that the government of India made a blanket lockdown. That means no fishing, no agriculture, no transport, no domestic work, no services. Everything is shut down. This is completely unprecedented. That means 130 crore people are supposed to not do anything. Now, when they don't do anything, how do they feed themselves? Can a country which has so many people who are not even paid minimum wage, who have no security, who have no savings, we just ask to sit at home. We have seasonal employment in India. As far as this unemployment sector is concerned, most of these women depend when you take of agriculture, when you take of fishery. These are important sectors where women contribute hugely to the unorganized sector. If you take up agriculture, about 48% of the women contribute to the actual agriculture work, whereas they hold only less than 2% of the land itself. The same goes on fisheries also. The whole of fishery industry itself is basically, you can say that women are the forefront of the fishing community itself. Even though the fishing community is basically done or hunted or done by the men, the whole of the economy of it, the whole of industry, distribution of it was majorly carried out by the women who do not contribute mostly on the bigger large scale industry, but who do contribute immensely through the small scale industry where they do go on to selling and etc. chain of the work in the fishing community. The applied of their domestic workers, this is another contribution of women. Domestic workers is nothing but women going on domestic health from one house to another. Majority of the Indian household have huge number of women working on the domestic workers category. And there is no clarity on records of the number of women and the amount of time, work time that they put, but the very larger or lesser amount of profit that they do take about, it's a huge exploitation of work. The same goes on for construction workers also. There are very lesser unionized facilities available for both domestic workers and also construction workers, but the majority of the women do not have access or do not have knowledge that there is an option of being unionized even for the domestic workers or the construction workers also. And I am employed in a private company. I have been working from home for the past two months and still haven't gotten my salary. Government hasn't announced anything about women's wage issues. I am earning Rs. 12,000 per month and I am supposed to get Rs. 24,000 for these two months. As a result, I am unable to pay my rent and can't afford to buy groceries for my home as well. The government has to announce something for women too. We don't know when the lockdown is coming to an end. If it is continuous to extended, it will only mean that we don't know get salary for the next few months. People are dying due to anger more than coronavirus. Even in my home is the same situation as my father is an outdoor driver and is unable to do his work. I am the stole Britwinner of my family and we are totally dependent on this salary. What they are now saying is there will not be any salary that will be given in the near future. So what is the government to say for this? The big question is that who is going to take care of it? The government made a proclamation immediately after corona lockdown was announced that all employers must be wages, the full wage and that house owners should not take rent. More than 90% of our urban dwellers like in Chennai are in rented houses. Only about 10% are actually in their own house. Now to tell a person not to pay rent.  But the house owner may also require the rent for the education of his own children or that house owner might be an old lady whose only income is the rent. So I do not think it is fair for the government to make a blanket such a statement. It is not like all house owners are rich people and having 20 houses. Now I am saying that this blanket ban on work, on transport, on social services is completely lacking in any vision of any society. It means that the persons do not actually know what is a social structure. What keeps the wheels of a social structure. Because some parts of the social structure would have kept moving. For instance working on a farm. They are automatically working on a farm. There are spaces where you can have 2 meters or 1 meter space transporting the commodities. So there could have been certain occupations which could have been continued and the entire lockdown was not well thought out. So after Corona we see unemployment. We see our people without food. We see severe hunger where people are depending on only rice kanji. The mothers are eating much less because their husband and children are not getting enough food. In many areas in Chennai city, I am not even talking of the village and rural areas. In Chennai city itself I am getting calls saying that we are eating only 1 meal a day. Thank you.


All right, uh, drink of the day, Willie. Huh? Drink of the day? We're doing that. Wait, I usually do the intro first. Yeah, but I like to, you know, mix it up a little bit. Beer. Beer, that's it. I don't know the name. Oh wait, Southern Tier Brewing Company. Eight days a week. It's like, is this supposed to be your thing? You don't know the name? Well, I do now. You're such a professional on our hands. Guys, I'm gonna start this video by plugging a new video on Willie's channel. We're starting a new series, Custom Zombies. We're ranking the best maps. Go watch it. Link down below. Check with episode 29 of Attack on Titan. This one's called Soldier Last Episode. We left off with the Titans attacking the castle with Connie and a lot of them in it. Again, we also found out that Pastor Nick was set to like watch over this girl with Ymir. I don't remember her name. She's like that, like blonde girl. Blonde girl, blonde. I'm literally just gonna refer to her as a Ymir's friend and blonde girl. Apparently she's insanely important. Don't know anything about her yet. So we're gonna hop right into it. If you're new to the channel, drop a sub, hit that big blue bell and let's get started. Oh, do you think- He just jumped up and like down smashed on the wall. It would just open it up and like more Titans would just come out. He has to do like a combo up BAA. So why is he just letting him do with the ads? I don't like that sound. Also, I feel like this is much beyond showing off your gear whenever you're very heavily outmatched. Yeah. Oh, just back to peacefulness. Oh, two hours. Horsies. Oh, they were actually like... Booze. Cheers. What's that swallow? Wait, does he like waste it? Is that why he's... Oh, very responsible. Imagine if he had gotten wasted. Using ODM gear, drunk driving. That would have been sick. Ha, little they know. So that's the girl, right? The important one? That's Pastor Nick said was he was supposed to... She's blonde. Yeah, she's like Ymir's friend, Ymir's right next door. They come from the skies. I mean, they've been known to just spawn. Like I said, the lightning. Spawn? Well, I guess it's not spawning because when we see the lightning, it's one transforming because that's what happened with Eren. That's what happened with the colossal. True. Except the one on his house. They all turned into Titans. Or that's like a strategy of wars just to turn other people into Titans. I think I'm brain dead. He's also talking to you. Oh, yeah, I feel like... Wait, he didn't. But he thought it was like in his mind. Maybe it was his mom.  Sheesh. I feel like you can't really count anything out like that. Dang dude, like his whole family's missing. You're just laughing at him. Yeah, hey, my whole family probably is dead. Thanks for calling me short though. You win. Oh, the smoke. Rainer trying to hook up, bro.  I don't, yeah, I know that made him more mad than I think Lighthearted. Oh my God. Russian? That is not Russian really. No, no, no. It's something like weird. Looks like that. It looks like the Daisy signs. Wait, she actually can. Oh yeah, cause she said what it was. Oh, yikes. What is she? She's built different. The language is that. Dude, it kind of look like Russian though, right? Like a little bit. No, not even close. Have you seen? I mean, it was like square letters. I don't know. That was weird. Hey, good thing this man isn't wasted right now. So, okay. I wanted to point out again like the, the Titan with like the big eyes, you know, the weird looking one. He was like, he was like back again, like normal again. And he's with the Beast Titan. So maybe he can like bring them back. I don't remember. He like squeezed them, busted his eyes. Oh yeah. I mean, it might be one that just looks similar. I don't know. That's a really unique one. Unique. That's a special way to say it. It's like, I made it. Oh. Spider-Man. Matt, you feel so worthless without ODM gear in this situation. Yeah. She's like, okay. Also, Ymir looked like mad when he found out she knew that language. Like it was like, like a bad secret to keep. Probably. Boards or rods.  He is pretty big. Yeah. Is this an infinite staircase? What was that? That's a big tower, dude. Where is it? That's barricaded already. Comes into the window. Yeah. What is he trying to achieve here? Oh, hey. He's like, no. I mean. He's applauding for those reaction times though. Yeah. True. Oh my God. It's kind of weird that it was just waiting. Like it knew he would open. Yeah. Oh, dang. He looks so young. His friend like sacrificed himself for him. Yeah. Well, move your head. He did. Hey, how you listen? Thank God. Oh. I did not like the way the time was just like, hey. Confidence. They look in it. Okay. I mean, that works. It's going to cobweb on. There's something beautiful about a cannon in a staircase. How did that actually... Oh, that's going to pound. Oh, I mean, that works, I guess. Okay. Why are they just standing there? Like start running up the staircase. Yeah. He's like a plan B. Okay. But what about the next one? That's going to work really well, Connie. He's scratching his stomach, dude. I don't understand why we weren't taking more preparations. They're like, okay, we got every single one. Like precaution at all? Yeah, none. Oh, shoot. That's going to hurt. Oh, shoot. I did not like that sound effect. That made me feel really uncomfortable. I'm surprised it has... What? What? Hulk? Actually though, that thing's huge. There's no way he just tosses it out. Or just...  Thank you. Someone with a brain. Oh, my God. They're just like, okay, what next? We just literally freed your arm. Hey, what are you going to do next? Which excision is this episode? I'd be really surprised if he keeps his arm. Okay, dude, that's going to get infected. Oh, perfect use. Okay, you can stop. I would think it's broken. Oh, she getting... That face. She getting freaky. She's just more agile now.  Okay, he did save Kane. He's made up for his... It was... Was Bertolt the other one in that flashback? Um... Yeah, because I think they were like relating. Over it, like bonding over it. They're like, we're going to get home. What do you mean by warrior? That Titan's balding. They're actually digging out a decent amount of them.  Feels bad. What about the beast? You just chilling on the wall watching this? I think he's pretty far away. Oh. Wait, did he just throw something from the wall? He threw another horse. Dude, this guy does not like horses. Oh my gosh, he doesn't. Oh, that's a rock. Yeah, he's actually just launching stuff from the wall, I think. Oh, yeah. Feels bad. Dang, dude, the rock just hit him? Oh, that's rough. There was the two we knew the least about. Oh my God. Round two. And the beast Titan is like the constant in it. Yeah. Jesus. Oh, is he coming? He's going down the other side. Oh, he's going in, okay. I still understand him. The fact that he's not working with anyone from the government. I mean, I would think because he doesn't even know what ODM gear is. That is a high hairline on that one. This place is like adidish. Yeah. You can't just run, though. Are they sending a group out to help? No, I think they were staying here over the morning. No, they were sending a group from Zoe, like that group. Oh, yeah. She's going to use up the last of his gas. Yeah, she ain't giving up on him. Oh, how convenient. That was so perfect. Otherwise, he would have just slammed right into the wall. Yeah. Yeah, she might have just died. God, it's so unnerving. Those are the soundtrack.  Yeah. The one in the stairwell, dude. Oh, he said he wanted one more drink. But it's empty, isn't it? Did she just use it all on his arm? Sorry, buddy. Rainer's arm got hurt. Oh, that's so sad. He missed. He missed. He got this. Her sacrifice did nothing, dude. Who drank it? Just take his head off? He just definitely snapped his neck with that move. God, that's so sad. He started throwing a rock. Christa, Christa. Blonde girl is Christa. Blonde. He was just going to keep going on Blonde. Oh, and her sacrifice. Wow, her sacrifice is for nothing. Did she say father? You're right. I think Aaron's going to come to the safety. He's still slightly recovering. Actually, no. Yeah, he was called to go help, man. Yeah. He said he was feeling better. Die throwing rocks at him. It seems like she doesn't realize how important she is either. Yeah. All right, guys, let's use this last weapon. Wait, didn't she just say you shouldn't die fighting for no reason? Yeah, she's definitely got some upper sleeve. Why did I look? You think she was just going to stab Connie? I thought, yeah, I did too. I thought she was going to do something with it. Yeah, mostly because of the language thing. Like she's a... Also, it seems like she's like watching over Christa. I mean, they kind of established that relationship when they were like walking the horses. Yeah. So maybe she knows how important Christa is. Is she supposed to like die for? Wait, hold up, wait a second. This seems awfully unnecessary. Wait, why?  Oh, she's a tiger? I knew it. I knew she had some upper sleeve, dude. I actually... I did not think she was... I don't like that. She looks like that red hair though. I don't like that, dude. Her teeth too looked like insanely sharp. She looked crazy, dude.  You think she was going to be though? Because I thought she was straight up just sacrificing herself. I was like, wow, that doesn't look like... I did not think so at all. When she asked for the knife, I thought she was. I feel like that's bold to try and transform midair. Because imagine if it doesn't happen fast enough and you're like halfway down, they just grab you like right before it happens. No, also when she read the language, that also... You think that's like a language that like titans can understand? Maybe it's a titan language, yeah. I'm also sending you... Daisy Electro Sign. It looks like the letters. Like the languages in Daisy? Yeah, it looks like that, yeah. It's got a connection. I think you think it looks like rushing because it's boxy. Like it's very like... But no, like all those letters, like let me go back real quick, where was it? I mean, I'm back at it. I kind of understand like what you mean, but still no, that's some whack. That is some weird like... Oh yeah, it's like a mix of like hieroglyphics and Russian. It's like weird symbols like... I don't know. Alright, nonetheless, very interesting episode in terms of like character's decisions. Yeah. Not necessarily good decisions in a way, but like very questionably how they decide to handle situations and whatnot. I thought Rainer, the highlight was Rainer just literally carrying the small titan over his shoulder. As it's like eating his arm. As it's eating his arm and then gently sitting him on the window and both Connie and Ymir are just like, okay, that was cool. And then just like, there was something. I mean, Ymir eventually kicked him, but my God, that was hard to watch. Guys, that is going to be it for the episode. Hope you enjoyed. We'll have another one up in a couple days. Be safe. Again, check out the video down below. Link down below. Subscribe if you're new and we will see you guys in the next one. Peace.


Hi everyone, I'm Eden and thank you for joining today's webinar, Economics 101 for Product Managers. In this session, we'll be talking about the core economic and financial ideas that you need to be in control of as a successful PM. The session will be longer than 30 minutes, maybe about 40 minutes. So if you don't have the full time, that's fine too because everything is going to be published for offline viewing on Product Schools YouTube channel. I can imagine that at least some of you are passionate about finance and economics, but maybe others feel a little edgy about these things and might be asking, what does this have to do with being a PM? I can tell you one thing. By the end of this webinar, you'll have little doubt as to why you should care about economics as a product manager, and you will also have a strong grasp of three key elements, profit, cost, and revenue. As for me, I live near Seattle in the US state of Washington, and I come from a background of computer science and business strategy. I started out as a software engineer and later lead, but for the past decade, I've been in product and people management roles across several well-known companies, and I recently joined Google to manage security and privacy experiences for devices made by Google. If after this webinar, you have any questions or any follow-ups, you're more than welcome to get in touch with me on LinkedIn, and let's get started. Our short economic tour will begin with what makes business tick. It's the strongest force in business and a central reason why businesses like yours and mine invest and hire people to create new products and services. The force that I'm referring to is profit, and profit is defined quite simply by how much money a business brings in minus the amount spent by the business. In other words, profit is the revenue, how much the company takes in minus expenses or costs. This is how we measure profit across an entire business, but we can do the exact same thing for any component or product line of the business. So you can think of profit for the Coca-Cola company. But if you manage just one brand, say Diet Coke, then you can apply the exact same concepts to that one brand or one product. When profit is positive, it means the business is generating income to its owners or shareholders, and if profit is negative, it usually means the business is depleting its assets because more is leaving the company than coming in, just like a household. We could be fine to spend more than we make for a while, but eventually, we may run out of money and that never ends well. So it is our responsibilities as managers of a part of the business to make sure that our products safely generate more revenue than they cost our organization. When we talk about profit, the key point to realize is that you can never have too much of it. We can blame greed for that, but in reality, it's not so much about greed. It has a lot more to do with the fact that investors expect to make a return, and let me try to demonstrate this through an example. Let's assume we have a company called Robot PM, and they have a product that can replace some PMs with robots for just a fraction of the cost. Obviously, as PMs, this would be our worst nightmare. They expect to make $1 million in profit for every foreseeable year. So Robot PM would be like a machine that's supposed to output or produce $1 million a year to its pool of shareholders. How much money is such a company or such a machine actually worth? Well, we need to remember that the $1 million that the machine should produce next year isn't worth as much as $1 million that I can have right now. It's not certain, it's not available now, and so we need to discount those future profits by a certain percentage. Let's use 10% as the discount rate, and if we do that, it means that $1 million of profit that Robot PM should produce next year are worth about $900,000 today, so that's about 10% lower. And likewise, $1 million in profit that Robot PM should produce in two years, now it's worth 10% less than the $1 million that they should produce next year, and that amounts to just a little over $800,000 in today's money. And we can go on and on and add up the expected future profits of the company and backdate them to today by discounting every year by 10%. Now, if we do that, all of these expected future returns, they don't sum up to infinity because every subsequent year is actually worth less and less and less to an investor today because of the risk and because that profit only exists in the farther and farther future. So a company like Robot PM is basically worth $10 million today because that's what happens if you keep adding these expected future profits and discounting them by 10% a year. Now, if Robot PM has 1 million shares, and investors generally agree with the assumptions that we've seen about the company's future profit and the discount rates, then every share should be worth about $10. But as we know, the world doesn't stay put. Over time, many interesting things can happen. We can have an inflationary cycle maybe in the global economy, as we have right now, or maybe interest rates are rising and investors can make a bigger return just by keeping their cash in the bank or investing their cash in securities that are far safer than Robot PM stock. And perhaps there's a new competitor in town and investors fear that the company's future profit projections have become a lot riskier. In any one of these cases, my friends, the discount rate, which we accepted as 10%, would have to increase. For example, if there's inflation on the rise, then $1 million that Robot PM will make next year is worth even less than we previously thought because by the time we get to that future, this money will buy us even less. And similarly, if a new competitor comes along, the expected profit of $1 million per year is now more risky because what happens if Robot PM loses market share and profit doesn't even reach $1 million in a few years' time? How do we account for this? Same thing, by using a higher discount rate, in this case, to compensate for the higher risk. And as you can see, if investors have to adjust their discount rate for Robot PM, in our example, only by 2%, so from 10% before to 12% now, then the company's valuation drops from $10 million before to just a little over $8 million. And this is happening even though the company continues to project and expect the same annual profit exactly as before, put differently. Discount rates can go up and they often do for reasons that companies don't really control. And the result of this can affect the company by lowering its value, which means lowering its stock price. However, there is something that companies should try to do to compensate for this and that's becoming more profitable. In this case, if Robot PM manages to improve its business and can convince itself and its investors that future profits will be not $1 million a year but actually $1.2 million a year, then all of a sudden its current valuation will go back up to $10 million, even though we're still using that higher discount rate of 12%, which as we said, this is outside of the company's control. To summarize, there are at least three reasons for companies to not just retain but increase their profit. The first reason is simply to uphold the company's valuation and share price when the economic conditions cause discount rates to go up. The second reason to increase profits is to retain the company's value if investors believe that future profits have become more risky. And this can be because of increased competition, perhaps slower sales growth, possible future regulation that can harm the company, maybe technological disruption or anything that can hurt the company's success in the future. And number three, if you've ever bought stock, you probably did it to sell it for more later. So as a shareholder, which makes you part owner of a company, you want to see profit go up over time so that your shares will rise in value. So now that we understand how profit works and why it matters, it's time to talk about costs or expenses. If we hold everything else equal, the higher our costs, the lower the profit will be. And costs are especially relevant because unlike revenue, every employee at every company affects costs. We cannot say, for instance, that every PM is expected or even capable of generating revenue or sales. What if you're a PM in HR or in IT, you're not responsible for charging a price necessarily for your product. But when it comes to costs, this is every manager's business. We're always responsible for costs because we direct how and what the company's resources are spent on. One common way I think to consider costs is to break them down by fixed costs and variable costs. Fixed costs, they're generally constant regardless of how much stuff the company makes ourselves. In tech and especially in the software world, we spend the same on R&D regardless of how many customers end up using our software. The marginal cost of producing one more unit of software is often zero. Doesn't cost anything to copy software and give it to one more customer. But beyond R&D, other fixed costs include management overhead. That's the various business functions that every company needs. The cost of our facilities, utilities, think of things such as office space and labs and the gradual loss of value of the company's equipment, which is what accountants call depreciation. If robot PM purchased lab equipment, for example, say for $3 million, and it's going to lose its value over 10 years gradually, then those initial $3 million are actually not considered a cost. They are considered an investment. However, we will be costing out this investment over 10 years. So every year, we're gonna recognize $300,000 of that or 10% as a fixed cost or what we call depreciation. So that's an important form of fixed costs. In tech companies, as it happens, fixed costs tend to account for the majority of all costs. But we should not be misled by the term fixed. Fixed doesn't mean that the cost cannot be adjusted. Whenever, for example, you hire people, you increase your fixed costs. In practice, being a fixed cost implies that you can easily increase the cost structure, the baseline spending of the company, but without necessarily contributing to more sales or revenue. And that's a caveat that we should keep in mind. It's very easy to increase fixed costs, but without increasing profit and in many cases decreasing them. But of course, some costs are directly related to sales. The more we sell, the more variable costs we have. Or vice versa, the more we spend on certain variable costs like marketing, the more we will likely sell. You can think of these costs of variable costs as costs that fluctuate month to month depending on business volume or on product usage. Let's see some examples of these things for the case of Robot PM. Let me start by telling you that my imaginary startup, Robot PM, is based in Atlanta and they have 29 employees. Their R&D team costs $4 million a year or an average of less than $300,000 per R&D employee. This is a payroll cost or what it costs the business to employ this workforce. It includes various business taxes, insurance policies, pension plans, paid leave bonuses and so on and so forth. Now, as a PM, I highly recommend to find out what this number is for your R&D team. Usually the financial analyst that works with your department will have a nice round number that they use to approximate the payroll costs per employee. When it comes to management or administrative overhead, these also comprise mostly of people's salaries but they also include an ancillary like business travel or hiring an external audit firm to ensure that your company complies with certain regulations. When you go out and you talk to your financial analyst about this, it's possible that instead of giving you a dollar figure, they might just tell you to add a certain percentage of overhead to whatever your R&D costs were. And this percentage approach could also apply to other fixed cost numbers like the next one. So you can see robot PM is spending $400 a year, $400,000 a year on their offices and their management is obviously frustrated when employees aren't showing back at the office. And even if everyone continues to work from home, a part of this expense should still be attributed to the PM's cost analysis. So this is a fixed cost, we have to account for it whether or not it's being used. For variable costs, robot PM uses an external vendor to provide customer support. And they have an arrangement where the vendor supports up to 10 customers for a million a year and for each additional 10 customers, they'll charge an additional one million a year. This means that support costs will generally scale up with the volume of customers. Another expense has to do with cloud computing. Robot PM uses a public cloud provider for hosting their SaaS platform. And that costs them about 20 grand per year for every customer. They're gonna wanna make sure that the way they price their product fully captures this variable cost as well as any other variable cost. Physical supplies come next. If you operate an e-commerce or retail business, this may be your biggest expense on cogs, cost of goods sold. That's how accountants call this. Last year, Amazon made about 470 billion in sales and spent more than 270 billion on cogs alone. This was what they paid for all the products they sold and the cost of sorting and warehousing and packaging and delivering all these goods to their customers. However, if you're in software like Robot PM, you probably have few of these costs because you have few physical inputs to the business. And lastly, sales and marketing can usually be seen, I think, as a variable cost. You can tune it on short order to respond to changes in the market or the broader business environment. And for Robot PM, they figured that it costs them about 120Ks in advertising and sales expenses to acquire one new customer. So this is the figure they're going to use. And here is what the costs look like for Robot PM when we chart them out against the number of customers. The blue line on the top, this reflects the total cost based on the number of customers. It starts out at about 10 million. This is the company's basic cost of doing business or just keeping the lights on, if you will. These are the fixed costs. But after this, they can service 10 customers without spending anything more, even beyond that. Their costs rise up very gradually, as you can see. So this is a business that can benefit greatly from scaling up its customers, which is what that green curve on the bottom tells us. The green curve shows us the average cost per customer. So with 10 customers, the average cost looks like about a million dollars. With 20 customers, this cost drops to 60% of that. And it keeps dropping as more and more customers join the platform. I should add though that fixed costs, they don't scale endlessly. More customers will eventually require new product features and additional investments in technology and business processes, which will lead to needing more permanent staff and therefore higher fixed costs. So just be aware that fixed costs scale, but not without limits. A great exercise for every product manager is to come up with a chart like this one, because it's gotta give you a very clear idea for the true costs of the product that you're building. Of course, the flip side of cost is revenue or sales. This means money flowing into the business from selling its products and services. Many are gonna have you believe that revenue is far more important because there is only so much that you can improve by optimizing and reducing costs, whereas revenue is potentially limitless. But in reality, an effective manager has to regularly balance between the two. How much weight you're gonna put on every foot will depend on how far your product is into its life cycle and some external conditions like competition. But the key point is that you can't manage one without considering the other. Another thing worth pointing out is that you usually have a lot of expense categories and comparatively just a few revenue streams. So if you think of a company like Ford, the car maker, they employ hundreds of thousands of people and they receive services from thousands of suppliers and vendors, but their revenue is much simpler than that. They sell cars to dealerships for a one-time fee and that's pretty much it. So it's vital that you strategize and design your revenue architecture very carefully because it needs to make up and exceed all of those myriad costs. And the way we do this will be through a combination of different business models, different ways to capture the value that we're creating. Each one of these business models will have its own pricing scheme attached to it. Pricing is outside of today's scope, but at the very least, we wanna make sure that we're charging at least as much as our variable costs plus a certain portion of our fixed costs because otherwise we'll be losing money on every sale and that's not only foolish, but believe it or not, in some cases, it's even considered illegal. So let's take a look at some of these common business models and as we do that, I want you to consider if and how this can apply to your current or future products. Let's start with the one-time sale, okay? This is basically the supermarket model, okay?  They're yours to keep forever and it can also apply with traditional software products where you buy a perpetual license to use the software as much as you want. That's a one-time sale. The next one, subscriptions, right? If you're a subscriber to anything from Netflix to a smartphone upgrade plan and they charge you regularly, then congratulations, you're part of this business model and the charm of it is that if your customer retention rates are high, you're almost guaranteed to a future revenue stream that takes very little effort and investors tend to favor businesses that know how to perfect this. Before we move to the next business model, please remember these options are not mutually exclusive. In fact, you're encouraged to find a combination of many of them, the more the merrier with some limitations, of course. Pay as you go. This is a relative newcomer in the digital age because it requires sophisticated billing systems that let you charge your customers based on exactly how much they consume of something. And it's typically how your utility, for instance, charges you for electricity. But increasingly, we're seeing this in newer domains like cloud computing and even how certain software licenses work. If your customers are amiable to this idea of having an open tab with you, then that's a great way for your business to reduce the customer anxiety and hesitation that usually comes with additional spending. But of course, you wanna make sure that there aren't any nasty surprises when the bill eventually arrives. A la carte, that's next and taken straight out of the world of restaurants. And this is the concept of pricing individual items differently and letting the customer order a collection of items that suits their needs and tastes. And this is what they get charged for. One of the nice things I think about a la carte is that it creates strong accountability. Why am I saying this? Because if somebody purchases an item, it means that item is providing value. Otherwise they wouldn't be paying for it. And if something doesn't sell, it means it probably isn't worth doing. So there is very strong accountability for every item on the menu. The razor blade model or freemium model is the idea that you give something for free or very cheaply. But then after a while you start charging the customer for using the initial product or for extending what you can do with it. So it's like a razor blade which you get for a very low price but then have to pay a recurring and heftier sum for the blades themselves. And this can be a great way to attract new cost conscious customers. But you also run the risk that you're investing in many customers who ultimately decide not to upgrade or not to spend money on extra supplies. So I recommend this but not as your only or main way to generate revenue. Ads, maybe I'll skip over ads because I'm sure you're familiar with the idea of monetizing on users' attention but let's talk about the next two. Affiliate and Commissions which are kind of similar. Here the idea is that your product helps another company or another individual generate revenue for themselves and then you get a piece of that. One contemporary example that I can think of is Substack which I think charges 10% or so from their creators on whatever revenue the creators subscribers pay the creators through Substack's platform. The good thing about this is that you have a shared incentive between your business that's providing the service and your customers who are getting the service. You both succeed or fail as one. And as you can imagine, this is more of a B2B model although Substack can also be seen as maybe a B2C. And last but I think most importantly is the bundle, the idea of bundling, multiple products being sold as one. If you think of Amazon Prime, a service that most US households are subscribed to, it's that the original and central promise of Prime is fast and free shipping for Amazon orders but Amazon also throws in a lot of other value bundled into this Prime package. And one such item is Prime Video, the streaming service that they don't sell separately. Amazon is investing billions every year in original and licensed content for Prime Video but they can't really tell if it's paying off because it has no price. It's not sold outside the bundle. And a lot of PMs manage products that fall into this category or features. You don't charge for them separately so it's hard to tell how much revenue they're generating and by extension whether they contribute to the company's bottom line to profit. And I'm not saying this is a right or wrong approach because there are strategic considerations here but one thing you can do and I encourage you to is to go through an exercise with your colleagues and customers if you can and genuinely ask how much would customers pay for this if we sold this product a la carte and it wasn't part of a bundle. I'm sure it takes time to do and you need a good sampling of not only current customers but also potential customers, maybe ones who didn't buy the bundle but would buy the standalone product if you offered it to stand alone. And doing this will give you an idea of how much value your product is generating and whether you should be doing more or less of it. Cool, so we have an idea of how and in what ways our business or product line will generate revenue and this brings us to forecasting which is estimating what that revenue is going to be. Notice that we forecast revenue but we don't forecast costs and that's because we plan costs. Costs are something that we have good control over or at least we should. It's endogenous to our organization and up to us. Revenue unlike costs is exogenous. It's caused by outside factors like the market which we can influence but we can't directly control and this means that estimating revenue is far more difficult especially if you don't have historical data to draw insights from. But challenging and flawed as it is, a forecast is essential together with an estimate of our costs because it tells us how much we need to sell to meet profit expectations. There are entire books on the topic of forecasting but I'll give you my top three tips on how you should approach this as a PM. And we will start by producing three forecasts. Each of them for the next two or three years. The first of these forecasts should be a pessimistic one. This is what your revenue would look like if the product struggles. It's not necessarily a total catastrophe but it should represent something quite disappointing. If your product hasn't yet launched and you don't have any committed customers then this is the scenario where in this scenario it's basically possible to have very few sales in your pessimistic scenario. Next you'll have your middle of the road forecast and this represents an okayish reality. Nothing terribly great or terribly bad. If you are an independent outside unbiased bookie having to make a bet on what's the most likely outcome this is the forecast you would go with the middle of the road forecast. And lastly put yourself in the shoes of an avid entrepreneur who's super passionate about the product and produce an optimistic forecast that shows what success looks like. Make sure it's optimistic but don't lose grip of reality. And when you have all three forecasts now you create a fourth and final one which is a weighted average of the other three. And I would suggest that if your product is new and unproven you use this 50-30-20 ratio in favor of the pessimistic scenario and that's because products fail at the far greater rate than they succeed new products. And after you're done making this forecast and you already know how much your business is spending you can derive a profit forecast. Of course profit is revenue minus expenses and with your profit forecast you can tell if A, you're profitable and B, how profitable you are relative to your revenue so you take your profit you divided by revenue and this is what we call the profit margin and you can check with your financial analyst what sort of margin is good or expected for your business. But what happens if you don't like what you're actually seeing or your manager doesn't really like these numbers? Unfortunately I don't have easy answers but I plead you not to make the mistake of ratcheting up your forecasts just to please the spreadsheet. The numbers that you don't like might hint at the fundamental problem with the business model and if we cover it up it's certainly not going to fix it so please avoid this temptation. Third, producing a forecast doesn't mean that our work is over because in fact now we have something we can go back to on a regular basis say quarterly and we can confront it against actual sales figures. This is critical because forecasts are always wrong and the only way to make them less wrong is to look back and learn what we missed and how we can correct for that in future quarters. So please make sure to compare expectations against facts and then calibrate your forecasts accordingly. Producing accurate forecasts which are within let's say 5% of reality takes time and practice and even then it's often elusive. So my bonus tip is to always be humble when it comes to forecasting realizing that a lot of unexpected events can rattle our plans but at the same time persisting through with forecasting because that serves as your good old compass in the middle of the high seas where you cannot see land and all you have is the compass, okay? No GPS, that's essentially what your revenue forecast is. You've made it almost all the way and I just gave you a lot of new information to process and I urged you to do things that maybe you've never considered as product managers. So let's take a moment and summarize the key takeaways and what this means to you as a product manager. As we've seen, businesses need to be profitable. This means taking in more money than they're spending on everything that costs money. Failing to do this, it's only gonna be a matter of time until lenders and investors will lose faith in the company and it will sadly run out of money to pay salaries. But barely eking out a profit or holding on to yesterday's profit is not enough. Businesses are inherently very risky affairs. Investors that look for a modest, predictable return on their investment, they usually have other places to go to. So when they buy ownership in a company, they expect to see profit rise over time and if that doesn't happen, just look at Twitter and Elon Musk to see what kind of trouble companies can get themselves into. As PNs, we have our own little kingdoms and in these product territories, we're the chief executives. That means that we're ultimately responsible for revenue, for costs, for of course profit. If in your case, revenue doesn't apply to your product, maybe because your product is a feature or part of a bundle or it's an internal product that doesn't really get paid for, then you're not charging for it, but you can and you should figure out what your customer or user would pay for it if they had to with real dollars and cents. Because ultimately, we are all in this profession of turning one plus one into something greater than two. And that's what it means to be profitable. We talked about fixed costs and in industries based on intellectual properties such as software, those are the lion's share of costs. This means that to be profitable, we have to have a good amount of customers and to capture the value through a mix of business models and prices that will make sense to our customers. We gotta cover our expenses. As product managers, it is we that need to discover and fine tune all these relevant business models that will let us capture the full extent of what we bring to the market. And last but not least, look, profits are the lifeblood of a business. There's no doubt about it. They're like a pumping heart in a human body. If the heart fails or if it starts beating irregularly, our survival is at risk. So we always want a healthy heart and we want to maintain it healthy. But having a healthy heart isn't the purpose of human life. Likewise, being profitable is fundamental to a business but it's not the core purpose. The purpose of a business is to serve all its stakeholders which includes customers, employees, the local community, the environment and more. Therefore, in our pursuit of generating profit and keeping the business running profitably, let's always keep in mind and look after those who make our business possible and successful. I hope you found this session interesting and valuable and thank you so much for your time. Thank you.


Have you ever heard of the Akashic records? I've heard it said that it's like a library in the spiritual world that provides some insights into our souls Purpose mission it can help us with daily problems and challenges, but really directs us toward living the life that Most grows our soul Well, I know relatively little about it, but that's why I'm excited today to be talking with and Marie Pizarro And she is an expert on the Akashic records. I'm gonna read you her bio and then I'll bring her on and it's gonna be a fascinating conversation All right, so Anne Marie is a holistic practitioner a multipreneur and an Akashic record practitioner she works with clients all over the world in the Akashic records and the Human energy field to help them receive answers information and tools for their pressing questions and needs And great to have you here. Thanks for joining me for this. Thanks George And I'm really happy to be here. I'm really excited to share this knowledge with the world Yeah for having me Absolutely, so I'll start off and I you can of course Share as much as you'd like, but I'd love to start off with just your definition of the Akashic records What is that? Oh, wow. Well, you know in in the Bible they talk about the Akashic records like the book of life and Edgar Casey refers to the Akashic records like the supercomputer. I Loving both technology and information feel like it's truly a fusion of both And I feel like the Akashic records is this field of energy that surrounds us at all times and when we are in different Timeframes different civilizations. They really reflect where we're at in that time So when we have this technology right now that's exploding and growth around us I feel like the records also holds that information that meets us where we're at in our lives So I feel like it's not only is this a library It's really like a tool that we have access to to be able to help us hmm and What kinds of issues does the Akashic records help us with? Well, you know, honestly, it really helps all different aspects of life We work with not only physical situations such as health issues What could be the causes and blockages of those? Root causes and some of those even come from past life karma So we look at physical conditions emotional circumstances Mental things that may be going on as well as spiritual when we look at that in terms of the energy field We were really looking at how we as human beings function in life So when we work in the Akashic records, we can get information that influences our Relationships our patterns and the way we think the way we eat the way we operate as business owners The way we operate as people some of these things are encoded in our beings because this is part of our Biographical expression and the Akashic records And speaking of business owners That's one of the things that you offer Which we'll talk about in more depth later, but you help business owners Tap into what you call their business counsel Right primarily when I started working in the Akashic records I was working as a nurse And I was drawn into this field of work because I was just so fascinated by the information that I was getting And then I was already an entrepreneur by nature. I started very young at an early age and as I started to Wrap my head around business the records really directed some of my passions and my influences To the point where I sometimes started more businesses than I could handle Because the records had all this information available to me. So whatever I asked was available Sometimes I didn't ask the right questions like is this too much? Are there limitations here? And so the records really showed me the information that would help me grow these businesses And why i'm really passionate about working with business owners is because I feel like we as small business owners are here to make An impact a mark in the world And part of that mark in the world is tied to the contracts that we have in the Akashic records around service Around learning around soul development around self love and so business is really the playground the platform for us to really test experience and Serve the world through our offers and helps us really step into our power Wow, that's great. And just so that so people have a sense of how it works How does one? Tap into the Akashic records. I mean, it's not something most of us can physically see Uh, it's not something we can access through the internet Um, so how does that how does it happen? Yeah? Well, you know what's fascinating george is that in the 12 plus years that I've been doing the Akashic records and reading the records I get an Akashic record reading from different people every year because I like to do that research Study on my own to see how do other people read the records and there are so many different ways And there are books that are out as well as methods that are released And so there are many ways to get into the Akashic records including say data healing You can be in this altered data state and you can enter the Akashic records For some people they like to read a prayer to access into the Akashic records And I'd like to ask you to think of the Akashic records like a big building with multiple doors And so when I enter the Akashic records with people I take them to a specific room and in that room we are greeted by the record keepers Their council all the beings that are really working with them at this time to help answer their questions We don't actually walk around the records the Akashic records pulling out books to answer these questions Because a lot of these books we may not even need and so when we enter the Akashic records a specific way a specific method Then we're really able to harness information directly for what we need at that time So it's a very purposeful reason for coming in so people can access the records through channeling through meditation Through reading a prayer sometimes the Akashic records opens to people in dreams ideas thoughts just show up and Connections with people show up and some of that feels like it's orchestrated And in truth some of it is orchestrated by your your guides and your council for certain meetings to happen Wow, and how does um That's a lot we could talk about but i'm curious. Let's get into this idea of Free will versus what's already written so be so if I understand correctly the Akashic records Contains information not just about our past lives, which can be rich in insight But even our future lives Um, is that right and and it kind of it kind of provides a blueprint for our like you said the soul's development and just so you know, I mean my spiritual perspective includes learning from like near-death experiences and things like that and I think in some NDE's near-death experiences people have Have visited the Akashic records and it said it said are like a spirit like a physical spiritual building You know that they see in the spiritual world just like you're describing But um, so how does yeah, how does free will and and this kind of blueprint idea play in yeah Well, I think the best analogy is to imagine you are on a road trip as a soul And you're going on a very long road trip and let's say for example You're driving from Los Angeles to New York and that's a very long road That's a lot of states that you're going to pass through you're going to pass through a lot of attractions And that's exactly what working in the Akashic records and living this life is is every moment of the day You are exercising your free will you are choosing every moment? Even what kind of thoughts you want to pay attention to how you want to feel when you wake up Whether you want to initiate an action and when doubt shows up Those are the things that also triggers your free will to either feed it or choose something else So free will is a gift I would say that you are given in this life to really exercise your boundaries in the akashic records As a matter of fact when you think about it if you're pulling off the freeway And you're going to go see an attraction and you're looking at this beautiful site And there's mountains everywhere and there's a railing there Now free will is stopping you from driving past that railing to your death And that's the opportunity every time every day in every moment that you're exerting that influences What shows up and appears on the akashic records? So when we open the akashic records, you're getting a snapshot of time Between point a and point b when you reopen your akashic records the second time Your free will is exercising between point a and point b All these different choices how often you're going to switch course correct change directions So free will is really your choice to be able to grow as a soul Versus devolve I like to call that devolve Wow, um and As a soul we come here there is a certain things that Uh, maybe we designed or hoped to to to accomplish and that often has to do with other souls Uh, so how does what's your perspective on kind of soul contracts agreements? How does that relate to the akashic records? You know one of the reasons why I got interested in doing the akashic records was I heard a story And this was the story that invited me into the akashic records And it was a soul story that I heard about my past life and my ex-husband's past life and how we were connected at that time to deliver this being down Who in this time is known as our daughter. So what I find about this This aspect of contracts is that contracts are part of the agreements that we make In this lifetime for our souls to experience certain lessons to evolve in certain aspects of ourselves And so when we have these contractual agreements whether they're really big contracts like relationships versus small contracts Your neighbor somebody that you meet on the street how you interact with a coworker those kind of contracts define The smaller aspects of your nature which eventually feed into the bigger aspect of yourself How you think of yourself how you relate to the world? So in a way these contracts are defined by certain stages you have in life too when you are able to resolve the contract And step into a new path This usually opens a new door of growth for a lot of people when they've completed contracts in relationships in working environments Big changes happen in their world And so part of these contracts are stages and markers for our souls to reach developmental progress if you would call that And How do we know when a contract is complete with somebody? Well, I tell you what there's a lot of signs that you will get in your life when something is way Overdue its closure You feel uncomfortable in your life the relationships do not flow. There's a lot of disagreements. There is a lot of Confusion around communication. You just feel like you can't even be around each other And when you feel that place it's as if you're holding back your own souls growth and development So your guides give you all these signs when a contract is complete and it's really time to move forward And sometimes when it's we as souls resist that we start to get physical symptoms of stress Illnesses things that show us that you're holding on to something way past. It's it's blessing for you It's it's opportune moment for you and now you're just kind of milking a dead horse if you would like to use that phrase So when we recognize that we are starting to get uncomfortable We're starting to push past our comfort zone Those are really the signs that the contracts are coming to completion And a leap of faith actually needs to happen It starts to feel kind of scary a little bit and scary is actually a good thing for us as humans because When we are able to push past these boundaries and we're able to change the contractual obligations complete these We really evolve and we step into places in our lives where we're really in all like I can't believe that I just I just did that I can't believe this just happened So that I think completing contracts are also ways that we as soul reach a level of enlightenment piece within ourselves And that's essentially what we're here to to find is you know a place of peace a place of Connectedness a place of belonging and so these contracts are ways for us to just reach these stages and continue going on And how does the akashic records help us with these agreements contracts, etc You know oftentimes when people are in places in their lives where they're dealing with difficulties Whether it's with people whether it's situations whether their growth And they're pushing against it when they open the akashic records when you open the akashic records and you find out wow This is a soul contract that I have been dealing with for so many lifetimes And these are the reasons why i'm experiencing these physical emotional mental symptoms These are the ways I can actually get past that and this is what I really specialized in the akashic records is I really connect people to tools that they can apply on a practical Level to be able to change aspects of their lives So when you find out here's a tool for example, such as using the water formula to be able to upgrade your vibration To be able to do cord cutting meditations to clothes cut and release relationships and contracts Those are actual actions that we as souls can take and when we take those actions it allows us to be able to It's like we take off an old coat And we have a new wardrobe ahead of us These are new choices ahead of us and so when we are able to go through actions practices rituals ceremonies Whatever closure we need then we are really able to be free Of the baggage so that we can just be lighter as souls and do our work Yeah, wow, um and What are some of the the key themes um that The akasha records seems to be providing insight for Yeah, I realize Yeah And I really think that the it comes to five Actually, I think five key themes and when I look at the power of numbers five is really a numerology about change And so when we come down here as souls These are some of the major themes that we really base and when we look at the word love Love is such a huge theme because it's not just the love that we share with others It's the way we show love to ourselves how we experience and contain and express that energy of love I've often heard that You're only able to share as much love as you are able to give yourself love So when you're in the akashic records when we're talking about love as a major theme That is a really really big spectrum that is beyond just the word. It's not just a psychology. It's an emotional It's a spiritual thing. So we look at all those factors. We also look at the factor of Money a lot of people come into this really into this world with money karma And a lot of that money karma is based on debt mentality poverty mentality And that's a course of that that feeling not good enough and self worth So the third theme is based on uh help Help and wealth are so intricately tied together and when people often have these issues around Money challenges wealth isn't too far behind that because they often have stress following their lives The fourth theme that people really really also face are relationships and communication A lot of these relationships are based on contracts and agreements And so when they're replaying themselves, there's a part of them that feels like man, this feels so familiar I know this has happened before is there a different outcome? And so we try to have a different we use our free will to choose a different outcome And the last theme is really connected to How we see ourselves as multidimensional beings This is a theme that I think is such a new theme coming because when we come into this plane We awaken at so many different levels and at different times And we are entering a time right now where this awakening and enlightening process is happening worldwide We're picking up from the time frame of the 1850s Entering to the 1900s which is like the new spiritual enlightenment. Well, I feel like we're also entering this new way And this theme is recognizing our Multidimensional nature. What can we affect not only in this life But also in the other scales of life And that's a little bit more than what people want to think about Especially because you know one of those themes is connected to your relationship to spirit And so this is also tied to that 15th Theme that fifth theme of the universal being who are you as a universal being and your place of service? In the world once you start thinking into that fifth theme You have now evolved on some level of consciousness past the base instincts of survival Intimacy of sexuality relationships and now you've got certain aspects of your life as foundational Cornerstones and now you're able to look at that big picture of who am I? What am I here to serve and how am I here to leave a legacy and impact? And that fifth theme is passionately drives so many people and what they do in the world Wow So as we start to wrap up before we Talk more about the business council, which definitely want to is there like one or two Tangible actions that you would recommend those the others was hearing and watching this to to take to kind of tap into the benefits of Working with the Akashic records. Yes, absolutely. First of all, I want you all to know that you have access to the Akashic records In so many different ways and your record keepers your guides your council They're talking to you at all different times What you have to be able to do is get quiet to be able to discern what you're hearing as guidance Versus just ideas running through your mind What I encourage people to do is actually set a time Once a day once a week even just 20 minutes to get quiet And to instead of going into their head and getting lost in their thoughts actually grounding into their center of their being to be able to just Separate themselves separate yourself from the external world to just really be in what I call your sacred heart space So you can be in the silence to listen and then when you're in the silence This is when you can bring questions to your guides and say can you help me with this? I have a question about my work. I have a question about this friendship Could you give me some guidance and you'll be so surprised?  You are interested in connecting Carrying around a notebook Being open to what shows up in your dreams and your thoughts. That's another way to be able to receive And I think honestly ask Ask for the questions and when you ask you're really asking Source and the akashic records is essentially the library of source. So when you ask you will receive that information So um for those who are interested in working with you, of course you provide one-on-one I assume you provide one-on-one work with those who are interested But let's let's just talk for a few minutes about your your newest offer, which is the um the the akashic business council. So tell us about that So this is a tool that was a method that was really developed because I took part in this Coaching program this year george with you and I was so inspired by all of these business owners around me And because I was listening to what the record keepers were trying to show me I asked them at the beginning of the year What do you think is the most valuable thing? I could bring to this community that could help them out and they said Show them how to connect to your akashic record business council And really this is your council of guides who are here to help you with your work So you can be successful and they really focus on the three things that business owners really need to have Which is success in their business client flow and money flow And so this is what I was shown to be able to share with this community and share with the world because As a group as business owners, we're here to succeed and we are inundated with so much information That sometimes we just need council to give us some clarity on what direction to take What information to work with Who to work with how much to take on and when it is time to rest Because I've really learned the value of rest here from working with this community So I find that working with your business council Helps you to be able to get key ideas that you can actually take action on and generate an outcome Yeah, and it's it's very affordable the product that you have right now is of this recording It's only 37 dollars Absolutely, absolutely. It is a it includes I think a video An audio meditation a written guide That helps the the person who has these things to to connect with their own acoustic record business council And so it's a very empowering tool and it's it's a great deal. I recommend it. I recommend it. So If you those of you watching this, I'm sure there's a link below Or connect it to the video where you can go and check it out. Anything else you want to say about that? You know when you go into the acoustic business council meeting you want to be prepared And think of it like a professional business meeting Like when when I have meetings with people I prepare myself. I dress up. I have questions ready I I make it a big deal. So when I call in my guides and council I like to have a certain direction a certain focus like what kind of things should I do on a financial level When in terms of marketing, how much should I invest in advertising in terms of my website? What are the top two or three things I need to focus on in terms of my clients? Who are the top five I should call first this week? So having very focused questions will really help your guide to lead you to the direction that you want to do Or reach which is growth and success And I think this is the most important aspect too is when you ask your guides for Suggestions and for help Don't doubt the help that you get when you get this suggestion to take action You have literally a five less than a 10 second window before that genius idea starts to dissipate In energy and form and in thought and so when you receive this guidance Act on it because this is really the pavement.  Well, I hope those watching if you're interested go and sign up for for this this training on accessing your acoustic record business council And if you have any questions comment below the video, I'll make sure Ann sees it and of course, I'll include the Ann's website as well and the facebook page and you can reach out to her for any additional guidance and and Uh information about our services and thank you so much for for doing this interview and for sharing and teaching with us teaching us today about the Absolutely, I'm so happy to be able to share this message with you. It was the working It's working in the acoustic records that completely changed my Life every day. I'm like my mind is blown because I think wow This is the work I get to do with the world and it feels like Play and it is so enriching and I'm so grateful to be able to share this with you because There are beings there guides. There are angels There are loved ones and masters who are really waiting to work with you And they're really ready to help you take that load of stress off your shoulders to help you feel like you're not doing this alone So, thank you George. Thank you so much. All right well, uh folks go ahead and use the links below to follow up And uh, check it out. All right. See you in the video Bye everyone. Bye


Hi friends, Patty here. What's up, it's Jeff. We're going to be in New York City on June 22nd We're actually going to go see an artist. Yes, we are. Kira Lee is going to be one of our next featured artists So we'll be on look up for that video But we're also going to be at Blitz Art Matero on June 22nd from 2 to 3 p.m And we're going to be joined by artist Chris Tuerto and Anabita Who will be doing live art resin demos So be sure to join us and I think we might have a couple surprises of our sleeves. Perhaps we'll be giving away some stuff Wink wink. So be sure to join us and we're also going to be doing an Instagram live of that feed on that day So join us to the 3 p.m. Dig Blix art material supplies on Bond Street And we hope to see you all there. It's going to be a great time. It's so much fun, right? Except Patty's going to be there. And Jeff, so I don't know. We'll see. Anyways We hope to see you all there. Later! Bye! I like that one. Should we just leave it at that? Yeah, let's leave it at that. That was great Call it a day!


Everywhere I go in this province, I meet young people eager and excited to share their ideas on how to make BC work for everyone, from tackling climate change to affordability to economic recovery from the pandemic. The issues that matter to young people are also the issues that our government is committed to tackling. Over the next few weeks we are asking anyone interested in helping to shape our province's future to apply to the Stronger BC Young Leaders Council. This council will meet with me regularly to discuss the things that are important to you and your peers. I will then take our discussions and work with my colleagues to make sure your voice is heard. I encourage you to apply now and together we can build a stronger BC today and for your future.


बोल, टे� thread,esis, ले�娬र्पूलीसी पाँट lawsuits टोपक के कारत Durch. मतनसमादियम बखॉन की चाऊए ज़न्बांस में. टेख्ताल फ्माश्टी avail during industrial revolution or after industrial revolution. My dear students, parts of India, China, Central America, South America and the Middle East have a long history of hand manufacturing cotton textiles. तो ये कन्त्रीज हैं जिनके पास, raw material available raha hai. Which became a major industry sometimes after 1000 AD. My dear students in tropical and subtropical regions where it was grown, most was grown by small farmers alongside their food crops and was spun and woven in households, largely for domestic consumption. My dear students in India, a significant amount of cotton textiles were manufactured for distant markets. Often produced by professional weavers, some merchants also owned some small weaving workshops. Dear students, India produced a variety of cotton cloth, some of exceptionally fine quality. My dear students cotton was a very difficult raw material for Europe to obtain before it was grown on colonial plantations in America. My dear students, the early Spanish explorers found native America growing unknown species of excellent quality cotton. Sea Island cotton grew in tropical areas and on barriers islands of Georgia and South Carolina but did not poorly establish the real factor of production in their country. My dear students sea island cotton began being exported from Barbados in 1650s. So here is a big clear sea. Look at the relationship that England Industrial Revolution, machines were invented, technology and other advancements were made but raw material was not available. So this is why they invaded and made colonies so that they would be available in the demand of the industrial revolution. My dear students, it is very clear that cotton is very much good produced in Pakistan. So cotton as a raw material was the quint essential for the British textile industry. Therefore they invaded the subcontinent and like states. Hope you have understood the topic. Thank you very much.


For more videos on people's struggles, please subscribe to our YouTube channel. Lebanese students protested and met with riot police and army repression in Beirut. On Saturday, students of the American University of Beirut or AUB staged a day of rage outside the university gate against the dollarization of tuition fees. The riot police and the army used tear gas and brutally beat up the students who were peacefully protesting. A report by the local media, Al-Jadid says one student met with severe injuries and Al-Jazeera reports one student being arrested. Earlier this month, the President of the American University of Beirut, Faldokhori, announced that the university has been under financial strain and will be adopting the central bank's semi-official exchange rate, which is LBP 3,900 per dollar instead of LBP 1,515. Following the footsteps of AUB, which is the American University of Beirut, the Lebanese American University also issued a statement saying that they too will be adopting the LBP 3,900 rate. In an email, LAU's President Mikhail Mawad wrote that the university has been severely impacted by the economic collapse and leaving the administration with no other option but to adjust the rate of tuition fees. 800 employees were laid off without any prior notice from the American University of Beirut and its affiliated AUB Medical Center in the month of July. 500 doctors and 400 nurses from AUBMC have submitted their immigration applications in the past four months. AUB Medical Center also opted to hike the prices of some of its medical services in line with the LBP 3,900. These universities are the oldest universities in the country with the largest endowment of any university in Lebanon at $769 million at the end of 2019. 250 of 9,400 students at the AUB have dropped out from the studies, while 600 incoming students have decided not to continue. According to various media reports, out of 1200 professors, 200 professors at AUB have submitted their resignations. Responding to the students' agitation, Huri made the proposal to the students. He wrote, the measures we are taking mean that with the support of our board, alumni and friends, we plan to increase the financial aid budget by more than $20 million in the coming spring term compared with the fall. This will allow us to assist more than 60 percent of our most deserving undergraduate students. Making a statement on social media on the behalf of all the clubs at the university, the AUB secular club made clear that the administration's proposal was not enough and they outrightly rejected the university plan. Students from across Lebanon and public universities extended their solidarity towards AUB and LAU students. The dollarization of Lebanon's top private universities is a concern for students at the country's public universities like the Lebanese University. Lebanon is struggling with the worst economic crisis since 1957 to 1990. Over the past year, the Lebanese pound has lost up to 80 percent of its value on the black market. The country's deep financial crisis was compounded by COVID-19 and the aftermath of the massive Beirut port blast in August, which wrecked large parts of the city, killing 200 people and injuring more than 6000.


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