Personal Finance PowerPoint Presentation. Private Health Insurance. Prepare to get financially fit by practicing personal finance. Remember that insurance is part of our long-term risk mitigation strategy where we use the adage of measure twice cut once. We're gonna put together a formal plan which would look something like setting up the goals, developing a plan to meet those goals, putting that plan into action and then reviewing the results and then we go through that process again and again periodically. We're now looking at private health insurance. Most of this information can be found at Investopedia Buying Private Health Insurance which you can find online. Take a look at the references, resources, continue your research from there. This is by Amy Fontiniere, updated May 18th, 2021. Remember that healthcare insurance is similar to other kinds of insurance but due to the complexity of the medical profession, the medical field and due to the laws that are imposed on it, it can be more complex in some ways as well. So we talked about the Affordable Care Act in prior presentations, which of course have an impact here. Note that if you were to compare it to other kinds of insurance that are going to be possibly more simple, at least in some regards, such as say property insurance. If you buy property insurance, you're basically safeguarding against some future event which possibly is not likely to happen but if were to happen would be financially devastating such as your home building burning down. Hopefully that doesn't happen but if it did, it would be a huge financial cost that we might not be able to cover therefore mitigating the risk with the property insurance. Same thing could happen with the medical insurance from like a classical insurance standpoint, you would be thinking I'm going to safeguard myself and against the event that I have an extreme medical condition such as a disease or something that would have a large financial impact, it would have other impacts as well but clearly I would need help with the medical bills possibly and therefore you would think the insurance would kind of kick in but we also have that other kind of component which is that the insurance is being expanded and there's pressure from a political standpoint to have insurance expanded to have the preventative care covered in it as well. So that would be similar to car insurance where you're going to be covering the tire rotation and the oil changes and stuff like that. So that adds of course the level of complexity when you're trying to compare and contrast different kinds of plans and what kind of plans that you would want. So just keeping that in mind, buying private health insurance. If your employer doesn't offer you health insurance as part of an employee benefit program, you may be looking to purchase your own health insurance through a private health insurance company. So the first place to go as we've looked at in prior presentations to find health insurance might be your employer because oftentimes and traditionally there's kind of this linkage between the health insurance and the employer for multiple different kind of reasons that we've talked a little bit about historically but at this point there's still kind of tax benefits that could be involved and you could have some kind of group coverage which could lower the premiums which means it's often beneficial if you can get access to the insurance through the employer. So that's usually the first place you look but if you can't then you're going to be buying your own health insurance. So a premium is the amount of money that an individual or business pays to an insurance company for coverage. So premium is the cost of the health insurance and return for what you're going to be getting coverage against the risk in the future and possibly for the preventative care help to pay for that. Health insurance premiums are typically paid monthly. Employers that offer an employer-sponsored health insurance plan typically cover part of the insurance premiums so it's part of it might be a benefit from the employer. They pay for some of it and or they might take some out of your withholdings either way it's usually beneficial because they're usually able to get possibly a cheaper plan due to the group coverage and or tax benefits which they can pass on to the employee most likely. So if you need to ensure yourself you'll be paying the full cost of the premium. So if you can't do that then you gotta buy your own insurance and you'll be paying the full cost. So it is common to be concerned about how much it will cost to purchase health insurance yourself. You think yeah that's a little concerning it's expensive. However, there are various options and prices available to you based on the level of coverage that you need. When purchasing your own insurance the process is more complicated than simply selecting a company plan and having the premium payout come right straight out of your paycheck every month. So once you get set up on an employee plan it's pretty straightforward because they just take the money out of your pay before you even see it and the whole thing is set up fairly smoothly once it's done. So here are some tips to help guide you through the process of purchasing your own health insurance. How buying private health insurance works. Some Americans get insurance by enrolling in a group health insurance plan plan through their employers. Medicare provides healthcare coverage to seniors and the disabled and Medicaid has covered for low income Americans. So you got the Medicare and Medicaid options depending on whether that be applicable to you. Medicare is a federal health insurance program for people who are age 65 or older. Certain young people with disabilities and people with end stage renal disease may also qualify for Medicare. So Medicaid is a public assistance healthcare program for low income Americans regardless of their age. So if your company does not offer an employer sponsored plan and if you are not eligible for Medicare or Medicaid so and those are kind of obviously specialized kind of government components if you would be able to get them. So if you don't have the Medicare, Medicaid and you're not covered by your employer individuals and families have the option of purchasing insurance policies directly from private insurance companies and through the health insurance marketplace. Private insurance companies, health insurance marketplace which we talked about a bit with the Affordable Care Act in prior presentations. So seniors when you might need private health insurance, there are certain circumstances that make it more likely that you will need to purchase your own health insurance including a young adult 26 years of age or older. So under previous, under provisions of the Affordable Care Act, the ACA we talked about in prior presentations of 2010 young people can be covered as dependents by their parents health insurance policy until they turn 26 years old. After that, they must seek out their own insurance policy. So at that point in time, you might see a bigger group of people that are saying I need to do some other kind of option at that point in time. Unemployed, if you lose your job you may be eligible to maintain coverage through your employer's health insurance plan for a period of time through a program called the Consolidated Omnibus Budget Reconciliation Act otherwise more commonly known I think by most people as COBRA. So in other words, if you lose your job you're saying oh no because my health insurance is tied to the job and so what am I gonna do now? Well, you could do the COBRA which would keep you extended on the coverage at least for the time being to help assist you possibly with the transition. So COBRA allows eligible employees and their dependents the option to continue health insurance coverage at their own expense. While coverage through COBRA can be maintained for up to 36 months under certain circumstances the cost of enrolling in COBRA is very high. So that's kind of helps you so you don't kind of lose the insurance at that point but it's still expensive to do that. So this is because the formerly employed person pays the entire cost of the insurance. Typically employers pay a portion of health care premiums on behalf of their employees. So you no longer have the employer giving you the kind of the benefit because you're not working there anymore so they didn't really yank the insurance policy out from under you. But you still, now you don't have the employer kind of portion being paid therefore it could get expenses. So a part-time employee, part-time jobs rarely offer health benefits. So if you're working part-time then which a lot more people kind of do these days they were possibly multiple part-time jobs or possibly have gig work and a couple carp done jobs or something like that. Well then you might not have the health benefits insurance that would be through the employer. So a part-time job is any position that requires employees to work a lower number of hours than would be considered full-time by their employer or 40 hours per week. So if you work part-time you usually must enroll in your own health insurance. Self-employed, a self-employed person may work as a freelancer or on or own a business. So if you're self-employed like your sole proprietor scheduled to be entrepreneur for example then obviously you don't have an employer or you're not gonna be able to get your insurance through them. So you might have to have some other options. So some self-employed people can get health insurance through a spouse's plan. So if you're self-employed, you have a Schedule C business then and your spouse then is working for a company then whoever's working for the company probably has the best option possibly to the health insurance benefits and you might want to be going through them to do the health insurance. Although there are pros and cons to having your own insurance from a tax standpoint for a self-employed individual you wanna kind of weigh the pros and cons. If not, they must provide their own health insurance. A business owner who has employees. So notice if you're self-employed and you're sole proprietor you don't have any employees then clearly you'd be looking for how you're gonna cover yourself and or your family possibly look into a spouse if it's available there. If not, then maybe you're trying to find another way to cover yourself. So if you start a business and you have employees you might be required to offer them health insurance. Even if it's not required you might decide to offer health insurance to be competitive employer that can attract qualified job candidates. So if you have employees health insurances could be a big benefit to the employees and could be drawing in more people if you're able to provide it. So in this situation you'll be required to purchase a business health insurance plan also known as a group plan. So the group plan being a group plan is one of the kind of benefits that you might be able to get and the group plan could be lower on the rates because the group plans we talked about in the past could be cheaper in some ways cause they know who's gonna be insured and so on and then that could be a benefit to you and the employees possibly. So if you retire or your spouse parent retires so when you retire you will likely no longer be eligible for the employer sponsored health insurance.  So that's a point in time where you're gonna have to say okay what am I gonna do now. So if you're under age 65 and not disabled you will need to purchase individual private health insurance until you turn 65 and apply for a Medicare. So if you're at 65 you might be able to get the Medicare but if you're not there then you need some other kind of insurance you would think. Many retirees choose to purchase private Medigap or Medicare Advantage plans in addition to the Medicare as a way of guaranteeing more comprehensive coverage. Some retired people may also decide to completely replace Medicare coverage with a private Medicare Advantage plan. It is important to note that Medicare Medigap and Medicare Advantage plans are only for the individual or spouse, partner or any dependents cannot be insured through your Medicare plan. So in other words usually when you're looking for medical insurance you're thinking first option might be through the employer and if I go through the employer and they give me coverage then maybe I can cover the rest of the people that are there but if you're covered by Medicare or these other items Medicare, Medigap, Medicare just because your coverage doesn't mean that the people in your household will be covered. So once again, it is important to note that the Medicare, Medigap and Medicare Advantage plans are only for the individual, your spouse, partner and any dependents cannot be insured through your Medicare plan. So this means that if your family was previously insured through your employer's plan and you retire your family members may need to enroll in individual insurance plans. So now you're saying the family was all hooked up on the insurance plan through my private, my employer, I retired, I'm covered because I'm over 65 possibly with one of these other kind of components but now they're on their own and they're gonna have to figure something out. So dropped by your existing insurer although the ACA prevents insurers from canceling your coverage or denying you coverage due to a pre-existing condition or because you made a mistake on your application there are other circumstances when your coverage may be canceled. So it's also possible that your insurance may become so expensive that you can't afford it. So that would be not a good situation. Why you should purchase health insurance. So if you find yourself in one of the above situations and lack health insurance coverage it's important to enroll in an individual plan as soon as possible. So clearly, if you're not getting the insurance through work and you're not getting it elsewhere you might be saying, eh, I don't need the health insurance but as we've seen with other just normal insurance you would think that you would at least want the insurance if you could get it to be covering you against the catastrophe that could happen because a health condition could be a financial, a huge financial thing just like your home burning down or something like that. So you would think that at least it would be good to be covered in that event. So the find for failing to obtain coverage was canceled in 2019. So you might say, well, am I required under federal law to get covered? No, because it was, they were trying to do that but then they basically canceled that although you could have some requirements under the state that you are in depending on the state you're in. So even though you're not required to have insurance you cannot predict when an accident will occur that will require medical attention. So in my opinion, it'd be better insurance is usually a good thing. It would be far better for people to choose to get the insurance as opposed to be forcing them to get insurance because when the law forces someone to get insurance it makes people stupid, right? So what you wanna do is say, no, I'm not required to get insurance but I think it's a reasonable thing would be my kind of rationale on it because it would be safeguarding me against a catastrophe that could happen and or then I wanna also take into consideration the other benefits that could be there for the preventative care. So even a minor broken bone I can have major financial consequences. So clearly health care is expensive. If I have a problem I would like to, I'd like to deal with the pain of the problem and not of the medical costs worrying me too much. So if you purchase insurance through the health insurance marketplace you may be eligible for income based premium tax credits or cost sharing reductions. So we talked about the marketplace and before that's the Affordable Care Act type stuff. So if you're in the lower income individual area then you can get benefits to get coverage through the marketplace possibly. The marketplace is a platform that offers insurance plans to individuals, families and small businesses. The ACA, the Affordable Care Act established the marketplace as a means to achieve maximum compliance with the mandate that all Americans be enrolled in health insurance. This was a federal mandate which once again we said that they stopped but the marketplace is still there. It just doesn't have that same kind of mandate to try to force everybody in the country to be having health insurance from the federal level. So many states offer their own marketplace while the federal government manages and exchange open to residents of other states. While you may not be able to afford the same kind of plan that an employer would offer you any amount of coverage is more advantageous than none and the event of a major accident or a long-term illness you will be prepared. So that's the main thing you wanna get covered. All this other preventative stuff, good. You'd like that, that would be great. But just from a normal insurance standpoint in the event that you come down with a disease that would be financially catastrophe then you would like to be, that's the main coverage that you would think you would, the minimum want that. She's in the best insurance plan for you. There are several different kinds of health insurance plans and each of these plans has a number of unique features. Health maintenance organization, those are the HMO. A health maintenance organization, HMO is a company with an organizational structure that allows them to provide insurance coverage for their subscribers through a specific network of healthcare providers. So that's the one where you kinda got a more specific network of providers trying to manage a little bit more strictly where you're going, how you're going, when you're going and who's telling you who to go, when to go, how to go. So typically the HMO features include paying for insurance coverage for a monthly or annual fee. Premiums tend to be lower for HMOs because health providers have patients directed at them but the disadvantage is that subscribers are limited to accessing a network of doctors and other healthcare providers who are contracted with the HMO.  Then we've got the preferred provider organization, that's the PPO in contrast, a preferred provider organization, the PPO, is a type of insurance plan in which medical professionals and facilities provide services to subscribed clients at reduced rates. So healthcare providers that are part of this network are called preferred providers or in-network providers. Subscribers of a PPO plan have the option of seeking healthcare providers outside of this network of providers. So now they can have a little bit more flexibility there out of the network providers but the rates foreseen of these providers are more expensive. So if you go outside the range, prices could go up. So exclusive provider organization, those are the EPO, an exclusive provider organization, an EPO is a hybrid of HMO and PPO plans. With an EPO plan, you can only receive services from providers within a certain network. However, exceptions can be made for emergency care. Another characteristic of an EPO plan is that you may be required to choose a primary care physician, that's the PCP. This is a general practitioner who will provide preventative care and treat you for minor illness. So that's kind of like your point one place to go typically the first stop. So in addition with an EMO plan, you usually do not need to get a referral from your PCP to see a specialist physician. So that's interesting. So in addition with an EMO plan, you usually do not need to get a referral from the PCP primary care physician to see a specialist. Okay, so that we got the high deductible health plan, that's the HDHP. We talked about that in a bit more detail in prior presentations. A high deductible health plan, the HDHP has a couple of key characteristics. As its name implies, it has a higher annual deductible than other insurance plans. So a deductible is the portion of the insurance claim that the subscriber covers themselves. The HDHPs typically have lower monthly premiums. So this would be the normal trade off and you can kind of compare this to the normal insurance, like property insurance.  If you're getting a high deductible plan, it's likely that you're trying to just get a cheap plan because you can't afford the plan and or you might be a younger individual possibly and you're trying to get more kind of traditional type of insurance. And so you're basically saying, I'm gonna buy the insurance that is gonna be cheaper for the premiums, but they have a higher deductible in the event that a problem happens. That means I'm gonna have to pay the deductible before the insurance kicks in, but you might be able to basically self-insure for the deductible, meaning it'd be similar to my house burning down. I can afford some, I have money to afford up to a certain degree, of a financial tragedy, but I can't afford over that amount. I'm gonna have something kick in and that would be the similar situation with the medical situation. I could afford to cover up to a certain amount, but past that amount, the medical bills can get completely out of control. And of course you would like then the insurance to kick in. So you got the lower premiums, but you've got the higher deductible in the event that something happens. So this type of plan is ideal for young or generally healthy people who don't expect to demand healthcare services unless they experience medical emergency or unexpected accident. So that means obviously you might be paying more out of pocket for the preventative stuff, but you might not be doing as many doctor visits if you're healthy and young, for example, and therefore it could be more beneficial. If you're doing a lot of doctor visits, you would think that you would want the insurance company to help you out with the doctor visits and it might be worth the higher premiums to do that. So the last defining feature of high deductible health plans is that it offers access to tax advantage health insurance savings accounts. So this is kind of interesting because you would think that they first, they want to have to hire deductible plans available to people. So, and that just makes sense from a market standpoint, but it also makes sense from an affordability standpoint when they're trying, when you can see from the government's trying to say, I'm trying to make it more affordable for most people to get access to health insurance. So you've got, but then they also want to try to make it so you could still have access to the preventative care, which they're trying to drive everyone to. So that means if you've got the high deductible plans, then you might also, that would be more likely lower-income individuals or people that just don't think they're gonna need, the higher plans are possibly gonna self-insure to some degree. You might have tax benefits as well, which is an incentive to try to still get people to do the preventative stuff. So that's gonna be the taxes. So they could have the tax advantage health savings accounts. Now these get a little bit confusing to try to manage to make sure to try to get your tax benefits from them. But if done right, then you can use these as a tax benefit. So the HSA subscribers can contribute funds that can later be used for medical costs that their HD HP doesn't cover. So that means a lot of the preventative costs that might not be covered, you might be able to do with the HSA and you could possibly a tax benefit for doing it that way. So the advantage of these accounts is that the funds are not subject to federal income taxes at the time of the deposit, which is great. So you get a tax benefit on consumer-driven health plan, that's the CHDP, consumer-driven health plans, the CDHPs, pardon me, are a type of HDHP, high deductible health plan. A portion of services that subscribers receive is paid for with pre-tax dollars. Like other HDHPs, high deductibles, the CDHPs have higher annual deductibles than other health insurance plans, but the subscriber pays lower premiums each month. Point of Service POS plan. So a point of service POS plan provides different benefits to subscribers based on whether or not they use preferred providers in network providers or providers outside of the preferred network out of network providers. A POS plan includes features of both HMO and the PPO plan. So we got that hybrid kind of thing happening.


Hey, you, yeah, you, by voting in the midterms, you'll be protecting your right to vote in future elections. Let me explain. Donald Trump and his MAGA Republican allies, who tried to overturn the 2020 election results, are now just one step away from taking control of the election process itself. But we can stop them if we turn out in full force for November's midterms. If we don't stop them from taking over the election process, we can kiss what's left of our democracy goodbye. This fall, 60% of voters will have an election denier on their ballot, including key battleground states that decided the 2020 election and will be pivotal in 2024. Many are running for positions like secretary of state, where they'll have power to determine which votes get counted in future elections, and which don't. In 37 states, secretaries of state are the chief elections officers, overseeing things like election infrastructure and voter registration. In 2020, they were the last line of defense for our fragile democracy, upholding Joe Biden's win despite heavy pressure from proponents of Trump's big lie. But now, big lie proponents are vying to hold this key position in important swing states. In Michigan, the GOP candidate for secretary of state is Christina Caramo, who rose to prominence in conservative circles after falsely claiming to have witnessed election fraud as a pollster. She's also previously claimed that Trump won the 2020 election and that Antifa was behind the January 6th insurrection. In Arizona, Mark Fincham, a QAnon-supporting member of the Oathkeeper's militia who participated in the January 6th insurrection, hrews to victory in the GOP primary by claiming that Donald Trump won. In Nevada, Jim Marchant won his Republican primary by making Trump's baseless claims of election fraud a cornerstone of his campaign. He also falsely claims that mail-in voting is rife with fraud and wants to eliminate it altogether in Nevada, despite the fact that he himself has voted by mail multiple times over the years. We simply cannot have MAGA election deniers overseeing any element of our elections. But it's not just secretaries of state who could pull tricks in future elections. Also play a critical role in certifying votes and upholding the will of the people, which is precisely why Trump and Steve Bannon have had their eyes on running election deniers in these races. In Pennsylvania, Republican gubernatorial nominee Doug Mastriano, who was also at the Capitol on January 6th and has been subpoenaed by Congress for his involvement in the insurrection, helped lead the push to overturn the state's 2020 results. If he wins, Mastriano would appoint Pennsylvania's top election official. In Arizona, Republican gubernatorial nominee Kerry Lake has said she does not recognize Joe Biden as the nation's legitimate president, adding that she would not have certified Arizona's 2020 election results had she been governor. In Wisconsin, Tim Michaels is the Trump-backed candidate for governor who still questions the results of 2020 and won't say whether he would certify the 2024 presidential election. Right now, elections in Wisconsin are run by the Bipartisan Wisconsin Election Commission. But if Michaels wins, he supports scrapping the commission in favor of a plan that could tilt oversight of the state's elections into the hands of Wisconsin Republicans. These extremist gubernatorial candidates also support abortion bans openly denigrate the LGBTQ community, oppose common-sense gun control measures, and want to chip away at the rights of workers. Ultimately, if any of these candidates wins their election this fall, governors or secretaries of state, that could be enough to tip the balance in a tight presidential election. So how can we fight back? First, spread the word about the GOP's extremist plans to capture the election process and entrench minority rule. Make sure your friends and family, especially young voters, know what's at stake in the midterms this fall. It will mean a lot coming from you. Make sure they register and vote down the entire ballot. Next, get involved locally, volunteer to be a poll worker, or join a campaign for a candidate running to protect democracy where you live. From school boards to secretaries of state, every position matters. And of course, vote. Check your registration early. Make a plan to cast your ballot. The future of our country and our basic rights hang in the balance. All progress rests on maintaining our democracy. Let's get to work.


Welcome to JSA TV, the newsroom for tech and telecom professionals. I'm Jamie Skado-Kutaya of JSA. Joining me here at ITW 2017 in Chicago, my friend, Mr. Simon Lee, he is the managing director of Sapien's Capital and I have to say it is always a pleasure to have you here on JSA TV, Simon. Likewise, Jamie. Always good to see you. What I love about Simon is that he really has an industry perspective from the ground up. He has his wonderful work in the data center space all the way up to the network infrastructure level on up through the application. So let's start at the bottom here, the data center level. What do you see trends impacting? Well, density is finally happening. We've been talking about the mythical sort of HPC and dense applications coming to the data center and a number of people have been anticipating for a long time but it hasn't really happened when you check the data. However, what's interesting now is that I think people are finally starting from a hardware standpoint and application level running enough parallelism that density is occurring. So we're seeing things in life sciences, we're seeing things in gaming, in AI and machine learning where essentially crunching, you know, trying to reduce the dollar per cycle down to a level where you can do more and more processing. So the result of that is that people are starting to take that into the box and into the data center. So what's amazing is that it's no longer strange to see a 15, 20 kilowatt per rack deployment even up to 50, 52 is starting to happen. And I know there are folks that have always prognosticated that you'd see 100 kilowatts. We're not quite there yet, perhaps there are some. But from a commercial deployment standpoint, it is starting to happen. So there are some facilities like Sinteris that are built for high density and I'm sure over time additional providers are going to continue to do so because the customers are finally starting to demand it. 50 kilowatts, that's just insane blowing the mind and you know, you can see 100 coming quite soon due to all of the new technologies and applications which we'll get to in a minute driving that. But let's first move up one more level, the network infrastructure level. What do you see happening there? We've talked a bit about software defined and I think that there's no question that from an architecture level that's starting to take root. Even at ITW there have been some announcements about SD, WAN partnerships. There's been a Cisco acquisition recently of the Ptela. So you can see that the maturity is starting to occur. And even beyond the maturity there are other companies that are taking it to an additional level like Neutrolix which applies an artificial intelligence framework around an SD architecture. And so there's more and more learning about everything and there's more and more flexibility and fluidity because the reality is that even today as you see networks putting more and more glass into the ground they're doing so but that's a 10-year investment horizon. The question is how do you flexibly cost-effectively deliver scalable services over that and that requires an SD framework. Yeah, SD WAN, SDN, those are the themes for sure here at ITW and just in our community in general. So moving up to the end user, the application level, what's driving all this? That's just more compute power. We've been talking about big data for a long time and while I think it's still important the phrase of that is probably used a little bit less because we've shifted to AI and machine learning and to a certain extent it's kind of an evolution of the same issue which is we have all this data, what are we going to do with it? And you can't have a person sit there and look at all of them and try and seek out patterns. You need machines to do it. And so whether it's in finance, whether it's in life sciences, genomics research, some of the other things that we've talked about is applying a machine learning framework to smart cities. How do you control and learn about your environment? How do you develop a situational awareness about things that are happening around you by deploying more sensors and being able to read and interpret data so that it's actionable and improves people's lives? These are the types of things that are starting to take over which lends itself to a different computational problem which is why we're seeing demand for infrastructure for bandwidth for compute all escalate. So much data. How do we make it useful? Certainly a great question for the year ahead and beyond. What do you see yourself doing in the next year? Well infrastructure has always been a big part of what I do. And that will certainly continue. But there's a renewed focus on the types of applications that are demanding this type of infrastructure. So we hear about AI and machine learning a lot. And certainly all the big companies are well tuned to that. But there are new things happening where we are learning so much about our environment that I do believe there are going to be quite a number of fresh new companies that are going to blossom that are going to change the way we think about the world. So that's some of the stuff that excites me. I really do feel like we are standing at the edge of something transformative for the human race. And Simon talking to you is always enlightening. I really appreciate your time and feedback and insight. And thank you viewers for tuning in to JSA TV. Happy networking.


At Audiology Associates of Prestonsburg, you can live your life the way you want and find the freedom of better hearing. You'll experience patient care that is specific to you with exceptional follow-up care that ensures your hearing and balance needs are being met. Audiology Associates at 1428 Northlake Drive in Prestonsburg. Author and retired professor receives the Kentucky Arts Council grant. The Artist Recovery Grant is a project grant. Its purpose is to provide time for an artist to complete a particular project. I'm in the process of working on a manuscript and I'm using the grant to fund the completion of that work. Dr. Raleigh is a multi-award-winning author and a retired English professor where he taught at the University of Pikeville since his start in 1987. I've been writing my whole life. I started when I was around 20 years old. I've written fiction. I've been writing poetry for about the last five years. It's just a process that's always been in my life. The Kentucky Arts Council ARDR grant supports individual Kentucky artists affected by devastating disasters. Funds allocated represents the importance of the arts and culture sector in our community. Well, I was professor of English at the University of Pikeville for 35 years. I retired last year in May. I've been working on this book, Uncertain Mythologies, since that time. Dr. Raleigh is published with Shadeland House Modern Press. For more information, visit jamesaraleighauthor.wordpress.com. Reporting from Mountain Top News, I'm Ethan Miller.


April is known as National Donate Life Month, and at Sanford Health in Bemidji, staff kicked off the month of raising awareness with a special ceremony. Josh Peterson has more. With a few good tugs, a flag proclaiming Donate Life was hoisted into position high overhead in front of Sanford Health in Bemidji. Today kicked off a month of raising awareness about the importance of becoming an organ donor. If a patient or one person donating can give up to eight new lives. Longer time, meaningful time, healthier life. Kara Dandar was a live donor herself and spoke at the ceremony about her experience. She says that while it was long and sometimes stressful, she says it was all worth it. Investigate it. Don't necessarily commit yourself one way or another. Go forward. See if you're a match. You might not even be a match. You don't know. For many becoming either an organ donor or a live donor, it can be intimidating and occasionally leave a person feeling apprehensive. You go through extensive workup, making sure as well that the patient who's receiving your kidney is a good patient, a healthy, relatively healthier than, you know, you're not giving a kidney that is not going to last for a long time. The Donate Life flag will fly outside of Sanford Health throughout the month of April, set as a reminder that you can help save a life. Bonnie Anderson is a two-time kidney recipient and is grateful that someone was willing to share the gift of life. A physician said to me the other day, when you have health, you have everything. I couldn't agree more and because of the gifts given, I have everything. For those that give, it's rewarding to see the difference you can make in someone's life.  In Bemidji, Josh Peterson, Lakeland News. And if you'd like more information about becoming an organ donor, we've posted a link on our website at lptv.org slash news. If you enjoyed this segment of Lakeland News, please consider making a tax-deductible contribution to Lakeland PBS.


Well, thank you all. Please be seated. Not you. Don't take this room for that. Well, thank you all very much. And you know there was a bit of confusion around here earlier this week. It seems that when I told somebody to expect the hurricanes on Friday, some of the White House staffers battled down the storm doors and ordered up emergency reserves of jelly beans. And I had to explain that I wasn't talking about tropical storms, that I had invited the best college football team in America to come by. And so welcome to the 1987 NCAA Football Champions, the University of Miami Hurricanes, and their coach, Jimmy Johnson.  And from the looks of a few of your other fans gathered here in the East Room, I'm not the only one impressed, not by a long shot. The whole country honors you today. And I'm pleased to have this opportunity to add my congratulations. Of course, it's never easy. Yet with Steve Walsh, a sophomore quarterback who completed 18 of 30 passes for 209 yards, two touchdowns, did it against a defense which only gave 7.5 points per game all season, you had the odds on your side. Steve, of course, you know better than anyone how important the help of running back Melvin Bratton and Flanker Michael Irvin was. Each of them caught a touchdown pass in the big game, and the Orange Bowl might have come out a little differently without Greg Cox, who kicked a 56 and a 48-yard field goal. And congratulations, Greg, on setting the Orange Bowl record with that 56-yard kick. You know, I kind of feel that if I could just kick some of the spending bills coming across my desk, I'd set a few field goal records myself. Actually, I might just ask Bernard Clark, the hurricane's most valuable player, to stand outside the Oval Office and tackle those spending bills. Those 14 tackles that you made in this Orange Bowl are truly impressive and something to be proud of. I ought to know because I don't know if you're aware of this, but I played football when I was in college. I had about 14 tackles, my whole four years. I'm kidding. I'm sure it was at least 16. Seriously, I'd like to take a moment to recognize some other sportsmen, Coach Barry Switzer and the Oklahoma Sooners. They may have lost the game that they had a winning season and accomplished it with a lot of class. The mark of a great sportsman is grace and defeat, and Coach Switzer exemplifies this as he said after the game, the best team won. Well, of course, let me congratulate all of you for having grace and victory, which is also important and not as easy as some people think. As a matter of fact, Knut Rockney once told his team that it really is this thing about being a good loser. It's easier to be a good loser and smile and take it than it is to be a good winner and do it with dignity and grace. So the best team did win. So congratulations, champs. And the Miami Hurricanes are number one. Good luck and God bless you. Mr. President, my name is Ted Foote, and I'm the president of this university. And I express our deep appreciation and our honor at this invitation. May I present just a few of my colleagues, please, sir. First of all, the chairman of our Board of Trustees, Jim Macklemore, whom you know, sir. He is also the founder of Burger King you have met before and one of the leading Republicans in our part of the United States, as you know. Our outstanding director of athletics, Mr. Sam Jakovic, standing right next to you, who is presenting you with a ball that's been signed by the Hurricanes, our outstanding coach, Jimmy Johnson. To my right, Mr. President and his staff, this is the best coaching staff in the United States, President Reagan. And finally, the national champions. They're the big ones. It's known as the most typical when I was playing, I was usually outsized. This has been a great football team, Mr. President. We are extremely proud of the Hurricanes. They've won with class on and off the field. We are deeply appreciative. May I take this opportunity, please, sir, to wish you the very best during your last year in office and on behalf of our university, these young men and all of us to thank you for your service to the United States. And I present this to you on behalf of the University of Miami as a small token of our appreciation. Our coach, Jimmy Johnson, Mr. President. This has to be University of Miami's finest hour. Obviously, we're very proud of these young men winning the national championship, going undefeated. But we're also very proud that they are outstanding young men off the field, on the field, and in the classroom. Mr. President, we have received all kinds of recognition and awards, having won the national championship. But without question, this is the finest honor that we could ever receive. Thank you. Thank you. I'm honored. From the number one national champions, we give this jersey to our number one President Reagan. Well, thank you all very much. I don't know whether I'm going to be able to get everybody a handshake with everybody here or not. Please, sir. Okay, everybody's taking a hand now. No problem. It's a great call. Thank you. Thanks for having me, man. I hope you should. I'm staying nice with you, sir. Thank you, Kim. You must take it one more time, man. It might be worth someone.  It's a right thing to do. Then along came the movie later. President Reagan, thank you very much. Well, it's a pleasure. Thank you. Thank you very much. All the way around. All right. Where is my hand?


Over these last months we've made an effort to inform everyone and involve everyone in the process of reopening and operating the university this fall. We've held some two dozen town halls, a long series of written bulletins and FAQs and several of these personal messages to the overall Purdue community. But a faculty member wrote me recently suggesting persuasively that I should do one more, this one directed specifically to our faculty. And I'm grateful for that good advice. Whether to reopen the campus this fall was the hardest decision in my years at Purdue, maybe in school history. We arrived at it very carefully and reviewed it regularly, as recently as late July. You'll recall it began with a faculty led task force which concluded that the science supported bringing students back, provided that we could devise ways to separate or otherwise protect those older and more vulnerable. As our plans came together, they were carefully reviewed by our Board of Trustees at a series of special meetings and ratified by the board at their official meeting on August 7th. In reaching this decision, we are squarely in the mainstream of American higher ed. As things have worked out at least 2,000 schools and more than 80% of our four year public counterparts are bringing students back to campus. All of us have reached the same conclusion. The question isn't whether we should try to operate, but rather how can we do so safely and effectively? I'd like to thank all those, especially those members of the faculty, some 500 of you by one count, who have contributed your expertise and leadership to our preparedness project. Those things really extend to every member of the faculty as almost all of you have redesigned courses to make them safer, as well as flexible for students who may need to work remotely for a time. You restarted more than a thousand research projects beginning on July 1st, bringing more than 5,000 people back into our labs and have operated them successfully so far without medical incident. The fact that we are making so many changes and spending tens of millions to do it is fundamentally a tribute to you. Our students have told us over and over how much they value their interactions with faculty and how essential a part of their education they deem it to be. Given a full choice, 88% of them opted to come to campus and perhaps half the rest would have done so if travel restrictions did not preclude it. Here's a sample of the countless messages we've received on this point. I would be so disappointed if online classes had to continue for the fall. Or my online classes may not be accepted at the medical schools I'm considering. They emphasize that our classes and labs should not be taken online as we need hands-on in-person learning to perform well in our medical studies. And while the online option was an amazingly well-executed reaction to a crisis situation, it cannot compare to the on-campus experience my son and his friends believe that in-person instruction is pivotal and irreplaceable. As I said, a tribute to you. The fervent wish of these students to be here and benefit from your teaching and mentoring drives home the central reality of our current situation. Our chosen course entails unknowable but undeniable risks. But leaving Purdue shuttered this fall would inflict certain large-scale damage on staff who would lose jobs and income, on a surrounding community whose economy would be devastated, and most of all, on the lives of young people seeking to launch successful adult lives with our help. We owe it to them to make the attempt. A few observers have said that our trustees or some of us are, quote, confident about the fall. That's a word we have never once used. We may believe that we've done everything conceivable to protect you and the rest of the community, but no one is predicting sure success. We're moving ahead not because we know it will work, but because we believe it has a good chance of doing so and that it is right to try. Said another way, it would be profoundly wrong not to. If you're worried about the next 13 weeks, join the club. It's a big one. It includes all of us in the Protect Purdue project and all your colleagues at 2000 plus other institutions. As we undertake this challenge, your support would mean a lot. At a minimum, I ask your understanding. Thank you for the scholarship and leadership that makes Purdue a national treasure.


we start off with Bryce Harper so Brody Van Wagon and said come and get us and the Phillies said hold my beer so the Phillies signed Bryce Harper 13 years $330 million no opt-out clause that will take Harper through the age 39 season without an opt-out and the thing that's stunning about this deal is the average annual value now he breaks the record for the most guaranteed money breaking the record that was held by Jean-Carlo Stanton which was a 13 year $325 million deal and right now Harper essentially will make a smidge over $25 million a year which in this market in this day and age happens to be great now what is what kind of players are going to be at the age of 37 38 39 I think that what the Phillies are thinking yeah if this is a 10 year deal we can look at it as $33 million a year but it's a 13 year deal so when you're dealing with luxury tax tax threshold you know this is done 25 million a year that's why the long-term contract helps the Phillies because it amortizes the cost of the deal 25 million gives them 8 million more to play with rather than giving 33 million for 10 years so you know just by looking at the deal and Scott Boris telegraphs his fastballs when a rod signed 252 in Texas the reason it was 252 was because the previous highest mark ever for professional athlete was 126 by Kevin Garnett he wanted to double that and you know he went into this thinking I've got to beat the Stanton contract and he did by five million dollars but let's be honest Stanton signed his contract four years ago so the value of that contract went up just five million dollars in four years I think the Phillies made a great deal now the question though Don and Peter does Harper really want to be in Philadelphia or did Boris exhaust every single option and couldn't get the Dodgers to bite on a long-term deal and couldn't get the Giants to bite on a long-term deal obviously the Yankees were never in play the Cubs were never in play so Harper goes from Washington to Philly and that construction worker who shouted out at him a couple of months ago just take the money baby he took the money and ran 330 million dollars and now the National League in my opinion the three best teams the Phillies the Nationals and the Braves and the Mets are a smidge behind yeah right I mean how how can you tell me otherwise I mean Philadelphia was a good team last year they kind of faded down the stretch but now they go out and get one of the best players in baseball in a ballpark where he can easily hit 50 home runs Michael I mean that ballpark does not there's not a picture-friendly ballpark by any stretch of the imagination so he can launch home runs there help them offensively even though minute Washington lost him they're still a good team man they've got showed over the whole year with the moves that they made yeah he's 19 gonna be 20 now so he's gonna be better and become maybe the next superstar for that team and the Atlanta Braves they went out got Donaldson they're defending champion so yeah and you know what the whatever the structure is and the national history major Corbin right right so the history of Major League Baseball Michael whatever scenario you were ever talking about about making the playoffs it's impossible to make the playoffs as a fourth-place team in your division can't do it because the teams above you are going to be wildcard teams and you're going to be outside looking in so if there are three teams better than you in the nationally geese that means you're not going to the playoffs hold on we got to check in with our Phillies desk real quick and see what the celebration is like Andrew Andrew you are over there this is amazing this is great he is well do you know that right before you went on a 255 Don I got a text from Andrew all capital letters Phillies exclamation points he is getting right now I was walking past him as he saw the news and he he flung himself back and almost ran into me like I saw that moment there's a word I can use to really articulate what I saw but I got to stay on brand but it was that level Michael I was standing next to him when it happened is any idea what that means no we do you stole it's my word but I wasn't even going to go there but I think anybody that knows me knows what that means so yeah there's there's plenty listen yeah there's plenty a little little I started so many places I want to go I'm just not going to take it he was he was very excited let's put it that way yes he was there was um there was a lot going on there but I walked by I mean so I was happy because we live in a world now Michael where it's about the business in the world less of a fan I mean that's a guy that had genuine excitement for his team landing one of the best players and you know what it's the type of signing that changes the balance of power it really does because you know a couple of weeks ago maybe a month ago van wagon and said come and get us I mean I don't know if that was just uh eight uh you know GM speak so to excite his fan base but I think they've got to do a little bit more now you know they're going to start the year without a third basement essentially and you know the now met fans I'm sure are going to come down and go why didn't we sign this guy because it does change the balance of power if you looked at this and said all right harper goes and signs with the giants or the Dodgers you can make the case the Mets could be better than the Phillies but I'm sorry with Bryce Harper the Phillies are better the Phillies made other moves as well so Gore is a big pickup for them these are good moves and and real mutile and listen what we have to understand is we can only analyze the information that we're given okay but what's starting to come down now is that Harper didn't have a problem with Philadelphia I think he just knew that he could get what he wanted from Philadelphia and to keep the narrative of not wanting to go there was going to drive the price up because Ken Rosenthal just tweeted source no opt-outs harper didn't want one so if you're led to believe that report what that tells you is he had never had a problem with Philadelphia had never had a problem being booed in Washington nine times during the course of the season when they played there he and Boris knew that when push come to shove that money was going to come from Philadelphia and the more he tried to shop at other places they probably knew going back to the organization in Philadelphia saying they were prepared to pay stupid money that that probably drove the price up so I don't think he ever had a problem but I will tell you I don't think this is a great deal for him I mean this was the seminal expected free agent this year he and Machado whichever way you cut it gets five million dollars more a year than Harper so it's like remember when Magic Johnson and this is when money was different he signed a 25 year 25 million dollar contract with the Lakers that was quickly renegotiated like four years in that was a million dollars a year so you give him all the years he wants because all you care about his average annual value Bryce Harper is going to make 25 million dollars a year there's a lot of people that make more a lot yeah but that was not the intent of Boris when he started this I mean that's fine Michael but the 13 years is almost unprecedented in this day and age we're talking about a Rodney and got it four years ago it's it's it's but it's but right now we were talking 10-year deals and going like how outrageous is that it's a 13-year deal so yeah average annual salary is less than Machado but he gets to continue to make it you know three years beyond when Machado's contract expires so he still gets three more and if he decides to play depending on what's going to be happening you know down the road when things may change the fact is he's going to make that 25 plus three more years longer so that still means something right but what's 25 million dollars in 10 years what what's it going to be worth in today in in those days dollars I'm sure it's still going to be a lot of it's not it's not going to be like money that that you can't even believe I mean by that I would say there will be major league baseball players making 55 to 60 million dollars a year maybe but but you know what not a 36 37 year old so Machado's deal is up at 10 years right when his when he's deal with San Diego whoever ends up picking up that contract when that's over he's going to be how old he'll be 20 he'll be 26 all right so be 36 years old he is not going to have the ability to make 30 million dollars a year at that age right and say you know what he has a great year at the age of 36 and then average annual salaries are over 40 million he might be able to sign a one or two year deal yeah but you're looking at that way Michael we're also looking at you know a cba he's going to come what if they institute a salary cap what there's a lot of things that can happen to where maybe this money isn't going to listen and he's and he's just betting the fact that here I am going to be 37 38 39 years old guaranteeing myself 25 plus million dollars when Machado is going to have to go around trying to get some kind of stupid money at the age of 36 when his contract expired and maybe not be able to manage as Peter said 330 million dollars it's an incredible haul for playing baseball I get it but this is not the dream that Boris had the dream Boris had was a 40 million dollar year contract he fell 15 million dollars short sad sad that's all I can say I borderline feel bad for Harper but at the end of the day Michael Boris can lick his wounds Harper can lick his wounds what there can be regrets but the fact is for 2019 and the foreseeable future the Philadelphia Phillies went out and add themselves one heck of a player that the Mets are going to have to contend with now for the next decade if there is you know winner or losers in this and it's hard to be a loser with 330 million guaranteed money the Phillies won this the Phillies won this because Middleton said I'm going to spend stupid money this is not stupid money 25 million dollars a year is not stupid money it's just not and when can they and when could they get out of it can't it's guaranteed no matter why he could god forbid break I believe no opt out no opt out I would like to say that even at that price this is still not a good deal for the Phillies why because you I mean Harper's been really good you're telling me there's no chance that fast forward six years you're like I cannot believe we're paying this guy 25 million dollars a year he kind of turned into a bum the last he gets a little injured but I the end of his career he's not good you're paying him 25 13 years there's almost no chance he can be good here's why this whole thing is ridiculous okay take a look at how long the average general manager stays the GM and how long an owner might actually own the team I mean if the if the if the Phillies win a couple of championships over the next five years they may not care how the contract ends the idea is well how do you lock the player up for the next few years so we can win a bunch of championships I think a lot of people know like how are you sitting there analyzing well you know when he turns 36 37 man this is not this is gonna look ugly heck everybody who made the decision might be gone by then but if they win between now and then they're gonna be they're gonna be heroes in a town like Philadelphia where the team has literally won just twice in the last hundred years or whatever or three times a hundred years that they went a bunch of champions with the guy who's gonna who's gonna moan and groan about a 10 years if that happens a limited player if that happens sure but what if they don't and it feels that it's gonna look bad right and it feels like Bobby Bonilla before you know if you think about it though you know you're talking about stupid money right signing Andrew McCutcheon three years 50 million dollars when there's no way he was valued at that I mean the Yankees loved Andrew McCutcheon wanted to keep him not of that money so he's making 17 million dollars a year Bryce Harper's making eight million dollars more a year than Andrew McCutcheon who's 32 years old again I I understand what Peter's saying you're you're risking whether or not this guy becomes a good player I think this guy has a drive for greatness he wants to be an all-time great so I don't think he's just gonna go in the toilet after three years I think he I think the Phillies look at this if we can get 10 great years out of them the other three years that's that's great we will give him 25 million dollars a year for a gold watch whatever whatever gets it done and even if it's you know a really good seven years you know whatever gets the deal done to bring him here and win and establish yourself as an all-time franchise during that period of time then you could print you're probably gonna live with it and again Philadelphia may find themselves in a situation where they could get themselves out of the deal you know the way that Texas was able to get themselves out of the deal the way Seattle was able to get out of the deal with Kano so there is an exit strategy that could still be applied at some point and it'll be easier to do if this team wins three championships in the next six years because Mark Feinstein is reporting a full no trade clause in the deal with the Phillies so they can't trade him anywhere unless he says okay so there could not have been a problem with Philadelphia then right I mean we'll never know how can you know we'll never know but it's completely locked in no opt out you know he must really want to be there then


Sam here at Lance Ford's guards have been 23 tops for steam baseball hobby 4 box break number 16 Random team style there's a look again at your random results as always could find those on the website under the results tab As well as the Lincoln chef. So good luck here everybody. That's true. That's for salacious be crumb Very true very true. All right. Good luck guys. That's egg. Tell Marta and Darryl strawberry Fractures and Mike trout trade turner purple Ron Raccoon, yet is a 99 for the race blue of some sort coming up here Blue going going on Paul Goldschmidt for the Cardinals to 50 or not to 50 to 75 Excuse me, and show hey going going on dance be swanson Dave Winfield blue to 75 Hobby bias Josh young fresh faces rookie Got one Soto and Marcus Simeon around the diamond Jersey auto for the Rangers Grats Texas Michael Harris rookie Edgar Marchine as an a gold Christie Matthewson go into the Giants to 50 On the original five Hall of Famers Crone Bernie Williams. Oh snap Ronald Cooney a Vladdie senior you on Moncada Zikil Tovar Contreras and Mike trout going going going All right in case cards now Encased base is going to be Salvi Perez Hayden was Nasky for the Royals and rookie for the Cubs Blue rookie for the D-backs Gabriel Moreno 27 of 75 Gold Corey seager 33 of 50 for the Rangers nice one there got a Kerry carpenter rookie on for the Tigers Refractor and Nolan Jones. That is 91 of 99 Pulsar rookie auto for the Rocky It's a nice ones there congrats to everybody who hit again 20 to go on mosaic 22 go it's gonna filled up field on 2026 on those mosaic Star Wars triple autograph 1 in 107,000 packs Dave you're right turn call of stanton refractors Yeah, not bad Larry Grats buddy Some gray rod Adley rushman rookie and Big poppy going going gone. I mean former really really really top prospect clay holmes Maggi Ordonias for the Tigers to 75 That's a Saturday bite. Oh, no. Oh No, I'm gonna switch that There's Brett Beatty No, you know about Whoops the silent and damn All right on the next one. There's Nolan Arnato purple from braval des to 99. Oh, it's last night, too Sean was doing this bright orange shirt. Okay, and someone was asked me. We got a red. Okay. I'll tell you after this Jake Cronin words red chipper Jones going going gone one of five congrats Braves I swim there Atlanta going to Andrew L congrats Andrew. Yeah, I could do that for you show him Just remind me after the break Larry. I might forget but yeah, I can do that for you buddy Chop yeah, it's fire Clayton Shaw Greg Maddox for the Cubs. I swung there grads, St. Chicago Going to Tom see on the max And people are asked there was one guy in chat was asked me like, oh, who's your favorite baseball team football team? Blah-blah-blah Riley green and Vaughn is like a joke. It's like, oh, what's your favorite color? I'm like orange. I look at Sean. He's wearing a bright orange shirt. I'm like Sean's really souring my favorite My favorite color here gold Carlos career to 50. He looks at me goes your face is sour Started dying dude Michael Harris rookie Peter Lonzo, oh snap Rhonda Cunha Tom Saver and from braval des Gray rod Corbin Carroll rookie going going on Mike Trout Vinny Pasconcino and Steve Carlton rookie for the Royals and Phillies Got blue carry carpenter for the Tigers 275 Gold Joshua and Chowsky to 50 45 of 50 for the Red Sox got fresh faces Alec Manoa on the auto for the Blue Jays Nice one there and a Zach Thompson rookie auto going to the Cardinals That's on that Again 20 to go on mosaic everybody 20 to go River Hoffman and JP Crawford Sandi Alcantara purple Cody Belanger to 99 the Cubs Cody Clemens Josh Young fresh faces rookie say pink. I believe Ozzie Smith. No red three of five Nice one there Cardinals.  No Kelvin W. It is pristine baseball 23 top pristine baseball pristine baseball a whole pristine baseball Michael Harris Force boy right there Joe Mantoply. That is Ryan Howard round the diamond for the Phillies. It's big wink right here, man That's pretty cool. Oh probably don't want to cause one big wink Which one the right how are you sweet fresh faces Josh young blue to 75 It's not bad right Alex Rodriguez for us says to buy your mosaic spots By mosaic spots Get your mosaic spots here. I'm ready. David Bednar purple to 99 Starling Marta partay I'm ready was a I'll go get those mosaics out of the oven for you, Sam. All right. Thank you. Thank you Francisco Alvarez Make sure to warm them up before we start though. Oh snap Ronald Cunha Try melting cardboard yeah, you can't put that in the Have you ready? Moreno, there's a Albert Pujols going going gone. Oh boy Much of clowns in here. It's really ridiculous Brett Beatty rookie and Jim told me You have to back up exactly exactly Dean gold Teosca Hernandez to 50 For the Mariners nice one here red Tyler Freeman. That's three reds in this four boxes Go to the Guardians 205 on the rookie. Congrats Cleveland. That will be guardians U2F Congrats, you know cannon Smith and jigba rookie auto for the Pirates and Gold Jonathan India 27 of 50 fresh faces auto for the Reds. Congrats on that Reds. God Mitchell a spot Jay Taylor with an elite spot Nick with a spot in tears. So we're down to 19 to go everybody 19 to go 19 to go What Ryan he sleeves the card. What do you mean? You are worlds better than forest. No, dude. No shot Sleeves the card I don't know what that means Please That is a statement force that are made up. It's like that I've watched that have a sonal off the office today where You know when Michael goes around spreading rumors about everybody. Yeah, there's nothing worse I like being like there's nothing no worse feeling than being picked last for a team or being picked for a team and Showing up and realizing that the sport doesn't exist. I mean poop ball.  There's a purple Max Scherzer to 99 Dodge ball sports cards with autos. I know one soda a Tim Anderson and purple Jeff McNeil to 99 You can dodge a wrench. You can dodge a ball. It's true Max Castillo Frank Thomas going going going the big hurt Pickleball chrome. I know I Know a pickleball chrome releasing in November Austin Riley Hadaki Matsui Godzilla around the diamond for the Yankees Grats on that New York No Player Picklefractor hitting the market Anthony Rizzo orange. That's their Cortez for the inks 225. Yeah, they got Crom and Star Wars Anthony. Hell. Yeah, they do. They got him in this year ending last year Paul Blackburn that is oh snap. No one are not what's up?  I'm who Rick is slowly taking his place Masatake Yoshida and Adley fresh faces rookie there's a scoop down there and flow right up Louisa rise CJ Crone in case base Are you kidding me? Just walks in takes our baskets Okay line to 75. Oh child.  Oh child out of his mind Nice one there highlight. Oh, yeah highlight Gold lube up to 50 nice one there and then he goes get prepared Donnie got Jonah pride refractor rookie auto for the ace And blue Zach Thompson rookie auto at 57 to 75 that is going to the Cardinals That's still quick recap here Sorry, I think of a chrome slowly Slowly going away We got golds Carlos Correa Christy Matheson both the 50 red shipper Jones the five Orange Nestor Cortez the 25 red Ozzie Smith the five Hideki Matsui Ryan Howard Greg Maddox Marcus Simeon in case the numbered cards golds to 50 lube up Teosca Hernandez Joshua Chowsky Corey seager red Tyler Freeman I'll get this guy out Jonah bride a rookie auto cannon Smith and jigba Zach Thompson Alec Minoan Nolan Jones to 99 Kerry Carpenter to 75 Zach Thompson and gold Jonathan India I do it for the break guys. Thanks again for the film coming up next is Star Wars


Hey Psych2Goers, have you been talking to your crush lately and you're not sure if they're flirting or just being nice? Flirting can be a tricky thing. Many of us are often left wondering how we should act around the people we like or what the right thing to say would be. How we can subtly let them know that we're interested in them and in turn decipher if they feel the same way? It can all get real complicated real fast. And the last thing any one of us would want is to possibly jeopardize our friendship with them by making things awkward. Don't worry though, here are eight telltale signs that can help you tell the difference between someone who might be interested in you and someone who is just being nice. Number one, they're nice to everyone. The first thing you should always take a look at when trying to figure out someone's feelings for you is to compare the way they treat you to the way they treat everyone else. Are they just as friendly with you as they are with a lot of other people? There are actually a lot of people who are just very friendly, chatty and comfortable joking around with lots of people. Be careful not to read too much into it and keep an eye out for any of these other signs too. Number two, they never initiate anything. Sure you might be talking to this person a lot and spending lots of time with them. But think back on the last time the two of you actually made plans. Who was the one to initiate it? Have they ever actually gone out of their way to spend time with you or strike up conversation with you? If you're the only one doing most of the initiating then it's most likely that although this person certainly enjoys spending time with you, they're not flirting with you. Number three, they don't hang out with you alone. Similar to the points made earlier, just because someone spends time with you and talks to you a lot, it doesn't necessarily mean that they're trying to start anything with you. Especially if they never hang out with you alone.  Number four, they keep a respectful physical distance. While some people may be more comfortable with it than others, touching and other acts of physical affection can be completely platonic and appropriate with friends. Most people try to keep their touch respectful and only reciprocate the touches you initiate or when appropriate like to comfort you when you're upset, scared or anxious. Number five, they're careful about what they talk about. Another telltale sign that someone's just being friendly and not actually flirting with you is if they're careful about what the two of you talk about. Even our closest friends are mindful not to send mixed signals. That is, they usually keep your conversations restricted to more friendly territory, like what's going on in your lives, how you're doing, how you're feeling, and any common interests you might share. Number six, they don't open up too much. Again, the simplest act of striking up a few conversations with someone isn't enough evidence that they have feelings for you or are trying to flirt with you. Especially if they're careful not to open up to you too much. So think back on the last time you and this person spoke. Did they seem guarded to you at all? Are there some things you sensed they might have been reluctant to share or talk to you about? It might be because they were worried that sharing too much might give you the wrong idea behind their intentions. Of course, some people are naturally more guarded, so that may be the case as well. Number seven, they let conversations end organically. One of the best ways we can distinguish between someone who just wants to be friends and someone who wants more is by looking at the way our conversations end with them. If they like to keep talking to you for as long as possible, even about the most mundane things, then they might be flirting. On the other hand, if they just let your conversations fizzle out and reach their natural stopping points, then they're likely just being friendly with you. And finally, number eight, they talk about their crushes with you. Last but not least, while this sign might be the most obvious of all, it's still worth mentioning here. If this person is comfortable enough to talk to you about who they like, who they find attractive, or who they might be romantically interested in, then that's a clear sign as any that they only see you as a friend and nothing more. After all, when you're flirting with someone, it's particularly taboo to insinuate to them that there might be other people you're interested in, because that's just going to ruin your chances of winning them over. So, do you relate to any of the things we've mentioned here? Has this list helped you figure out if someone is just being friendly to you or if they're genuinely flirting with you? Remember, this list is not a guarantee. Every situation is different. Did you find this video valuable? Tell us in the comments below. Please, like and share it with friends that might find use in it too. Make sure to subscribe to Psych2Go and hit the notification bell for more content. All the references used are added in the description box below. Thanks for watching and see you next time.


Today, you become one of nearly 500,000 living alumni worldwide who proudly call themselves Berkeley graduates. It feels good. It feels like I didn't know it was ever going to happen, so it's really exciting. I do have my family here. I have about, like, 20 people actually in the stands right now. Well, I'm actually really surprised we made it this far, honestly. Like, I came in here with not really good GPA. My freshman year was pretty rough, but then I just kind of turned it around and eventually started, you know, doing well enough to graduate. I feel amazing. It's so nerve-wracking, bittersweet, but, like, I'm very excited for what's next after this.


Hey there friends, thanks for checking in today. We are revisiting the Ruger PC charger 9mm sub gun that I've had since its initial launch. I've really liked it. It's sat in the safe way too long So I decided to bring it out today now the brace that I have on here is an SB tactical FS 1913 brace this has the 1913 rail Fitting for the brace all you do is lift up and off to the side now when I first got this I didn't even use a brace. I just held it out like this and it was More accurate than I deserve to be I have a vortex spark a on here a are on here. It's Was the only optic I've ever had it's been great it has a overall length without the brace of 16 and a half inches six and a half inch Threaded barrel. Let's go ahead and take a few shots. I currently have a Glock 19 mag with 15 rounds. I believe I have 13 loaded up But it has been too long with this I've got the safety engaged Wow, I missed this Now the PC charger is a bit less than the Street Bog the CZ Scorpion It has an MSRP of 899 and That's actually a little bit less from its initial launch a couple years ago. It was right around 799 so about a hundred dollars more which is a Familiar place that we're at right now a lot of companies are doing that it does come with this hand stop right there That is aluminum and what is super cool is that it's ambidextrous as well that comes with the magazine release Right there and that could be reversed to the other side as well as the charger But this is the takedown model the bolt is locked back if the bolt was not locked back It has a lever right there All you have to do is bring it back push that lever and that will lock the bolt back and then Has a lever here just push it and then off comes The whole fore end now it is an M block fore end you can see that there There's your six and a half inch threaded barrel. There's the hand stop. That's made of aluminum So you can easily add attachments to it you can run a bore snake down there clean out the barrel and then put it on Just like that. It's really easy So I do like that another thing that I think is advantageous here is that it takes a our grips and the Streebog and the scorpion those grips are molded into the receiver Yeah, that's cool, and I love those guns. Don't get me wrong I've reviewed them both love them But the advantage to this is if something happens to the grip you can swap it out Or just swap it out for something that you like more now This is a standard Ruger grip. I've had it on there and there's no problem at all It does have a cross bolt safety there rail up top already mentioned vortex spark a are love the optic Love the complete setup, and I like the adaptability of using Glock mags Speaking of which it has a Adapter there to switch out for Glock mags. I did that originally it came with the security 9 or SR 9 mags those are the same and You can use Glock mags now with the Glock mags There is a little wobble there and people have asked me do you see a little wobble in yours? Yep, I see a little wobble there there it is right there, but they are pretty I was gonna say firm They're not firm, but it's been reliable no issue But now they also make one for the Ruger Americans and you can buy that at their online site You know you can buy if you want that adapter and you have Ruger Americans, which I do you could use those Primarily 17 round mags as well, but the Ruger PC charger, I love it. I'm going to load up this mag Shoot it again, and I had to revisit it because it's been too Darn long and one of the things also is that The larger firearm with the 9 millimeter Creates accuracy you put a brace on here you get accuracy compared to a handgun You know six and a half inch barrel you like that accuracy you got your red dot I just think it's a great package. So let me load it up and we'll shoot it some more Here is the Ruger PC 9 this came out first and then the PC charger came out Same idea for the most part just a smaller firearm Right here. Let me start by shooting without The brace I bragged to you earlier that I was able to do that. I'm about 20 yards back Let's see how it goes But it's just so much nicer With And that's it love the firearm and You know I mentioned the Street Bog and the Scorpion and there are a lot of other ones coming out now too and Many that are out and I'm sure those are great But there's something about this PC charger I just really enjoy and I think I made my case for it because I mentioned a lot about it But I like to take down the ease easiness of it. I like it That's M lock. You ever know everything's going M lock now Magpul really Did well with the the whole M lock thing and you're looking at ARs all types of other firearms everything has gone M lock and Overall, this is really nice also has 2d mounts. Okay right here Put a run a single point that'd be ideal in my opinion, but there it is Ruger PC charger getting it done at the range. I've got my optic Sighted in still just wanted to make sure it's sat in the safe too long And I'm sure glad I got it out and I'm sure glad I could show it off once again to you If you like videos like this, please subscribe and share I always appreciate thumbs up button Thanks for watching and you guys be safe