Today, I have the pleasure of speaking with Anthony Julian from Cancana Resources. How are you today? Very well. Thank you. Now Cancana Resources is extremely fascinating to me because you're actually from the Sentient Group and now you're the CEO of Cancana. Is that correct? That's correct. And can you explain to our audience the joint venture deal with Cancana and Sentient Group and how that's set up? So it's sort of the new investment model that private equity is following. And Cancana brought the deal to the Sentient Group and it was structured really nicely. And essentially, because there wasn't enough funds, we had to put in the majority of the funds, which resulted in me becoming the CEO of Cancana. So under that operational model then, Cancana is the operator and controls the investment and the major shareholder is private equity. Okay. That's very interesting to me. And of course, our audience knows Christopher Ecclestone, our global analyst from London, who loves this story. He says you have some of the best manganese in the world and specifically in Brazil. Can you tell us a little bit about your manganese? Sure. So in Brazil, all of the manganese deposits and the working mines are what's called sedimentary manganese, which is a pretty typical style. And it is the majority of manganese mines around the world. We've got a unique style of manganese called hydrothermal. And the key difference between the two is that hydrothermal will be the same tenor or grade at depth as it is at surface, whereas sedimentary, it runs out of that grade. So potentially, if the manganese price grows, you can have deeper mines than you could if you had sedimentary, because sedimentary will run out at some point. And of course, the actual property that you have that you're focused on, you picked up two former producing properties. Is that correct? That's correct. So two, they were in production and Cancana also had tenements that were adjacent. That's what attracted us about the deal, because it was a continuous tenement package. And what really surprised us when we were doing our due diligence, manganese is used in steel. And so we had this mindset that, oh, we'll do this for steel. But one of the customers was selling the majority of their products to the fertilizer business in Brazil. Well, and of course, to be a fertilizer, you have to have a higher grade. Yes. Yes. So usually people have mines running at about 38 to 44%. This mine was running at 50% plus, and the fertilizer guys need a minimum of 48%. But it's not just about the grade. They also need none of the nasties in there, no lead, no cadmium, all of those things phosphorus. So the hydrothermal style has very low elements in it, which makes it suitable for food products. And of course, you're taking advantage right now of the market that loves producers. And I understand that you'll actually be able to be doing some small-scale production that will help pay for your exploration. Did I read that correct? You're absolutely right. So those businesses were doing around about 10 to 15,000 tons per annum. When we took over the plants, they weren't in very good shape, and they definitely weren't at Canadian standards. So we've spent the past 12 months rejigging the plants, making them safe. But we just announced a couple of weeks ago, we've used Orsenco to do an engineering audit. And we're going to improve one of the plants to 50,000 tons. That will basically bring the business to break even, excluding the exploration budget. One of the very nice aspects of CanCan or Resources, I noticed you're putting out very timely news releases, and you put out a very significant one, an update on your exploration just a couple of weeks ago. Can you talk to us a little bit about this? Sure. Just going back to the sedimentary versus hydrothermal. So when we were in the market a couple of months ago, we didn't have proof that it was hydrothermal. So one of the key things that we had to prove is that we had hydrothermal, which meant we had the same greater depth as we do at surface. And that's what that announcement's about. The way we did it, we did it in two ways, aerial geophysics. So we basically flew 70% of the land package. And we did a scout drill program of 2,000 meters. And one of the, we've been extremely, I wouldn't say lucky, but we've got good people on the ground who got their calibrations right. And what the drilling and the trenching and some of our mining operations have shown is that the aerial geophysics, when it says a structure is in a certain location, guess what? It's where it says it is. So it's exciting for us. So we now know we've got 211 kilometers of strike. And over the next couple of years, we've just got to prove out the size of this resource. Well, in reading your news release, and of course, you also have an excellent IR professional. He kept stating that the results actually had exceeded all your expectations. Can you be specific about what you mean or what he was talking about? Yes. I mean, I can't really talk about what we think the future size of the resource is. But it's a lot more than we thought. I mean, to put it in perspective, 211 kilometers of strike, we know it runs the same grade to at least 50 meters.  The next few years, we'll pick that up. That exceeded my expectations. The cherry on the cake was we are still doing the small-scale mining operations to support the plants and the business. And that's what's called colluvial mining, which very simply you dig a couple of meters down. There's cobbles that sort of sit at the top of the surface. And then we wash those cobbles and sell them. What's happened is the aerial geophysics in one of our mindsites said that there's a primary vein there. The geologists discovered it. And the vein is in such a structure, it's in friable rock. So it's basically very loose and easy to break down. We're now processing primary ore. And we didn't expect to do that for another year or two. So what's your timeline looking like right now? What should we expect as shareholders? There's two timelines. So you've got our exploration timeline. We've got our operational timeline. So we announced the 50,000 ton per annum plant. That should be in production by mid to late next year. Then it's all about proving up the resource. So we have SRK coming down towards the end of this year so that we can start building our 43-101, which we plan to publish next year. And essentially, we believe that we'll have enough resource to go to Feasibility Study by 2020. So that's where we're going. Well, Anthony, thank you so much for giving us an excellent overview of CanCan and resources today. You're welcome.


Here's a call to the halls of men we all see. 1939. The United States, shocked by a peace-minute Munich, had her leaders take a closer look at military aviation. While exploring the values of small bombers like the B-18 against the more costly flying fortress, they approved experimental projects for the B-15, whose four engines proved too weak for the giant's wave-and-wing span of 149 feet, and for the lumbering B-19, which boasted a record span of 212 feet. However, both new ships did pay dividends in future bomber development. It finally took world events to give the U.S. Air Force its biggest shot in the arm. On the fateful dawn of September 1, 1939, Hitler directed the German Army and Luftwaffe in our lightning-like campaign. The map was stolen. The plan was surprised. Twenty years before, President Wilson had warned us that any future war will inevitably open with great aerial activity. Wilson was right. Without warning, 2,000 modern German combat planes took off with the first aerial blitz in the history of the world. Poland died on its air. With this earth shattering over the earth played by strafing Stuka bombers, World War II began. Ironically, the method the Germans followed in this Polish campaign was the same one by which we, on a far larger scale, would defeat Germany. As thousands of bombs demolished Polish cities, the U.S. Air Corps learned a lesson. Now Hitler's threat, today Germany, tomorrow the world, was both believed and feared. In the United States, the President proclaimed a national emergency. We immediately put a huge expansion program into operation. It took no time at all before we ran out of facilities, as we raised aircrew and other training goals. From an all-volunteer corps of 23,000 in 1939, we grew a hundred-fold as more volunteers and draftees joined up. Science helped us choose their specialties. There were physical as well as mental requirements for the hundreds of skills which we eventually taught to two and a half million men and women who became our ground and air crews.  We devised mechanical aptitude tests and general classification tests which indicated ability to learn in the many technical categories. As General Arnold declared, the Air Corps had to become the largest single educational organization in a very short time. We were an army of specialists. In schools all over the country, we learned our trades from experts and became airplane mechanics, cooks and bakers, communications men, bombardiers, armors, meteorologists. We learned hundreds of technical jobs, and finally we were a tremendous team of skilled Americans who knew how to keep them flying. America's ability to mass-produce complex military aircraft was essentially a civilian miracle. However, in 1940, as in 1917, defense work didn't get started until late. War had stopped the wheels of industry and conversion took time, valuable time. Many factors made the miracle possible. Waking airplane designs, inexhaustible raw materials and highly adaptable industry, a variety of well-established aviation companies, willing defense workers, and a goal. I should like to see this nation geared up to the ability to turn out at least 50,000 planes a year. Many said this was impossible, but the new models were ready. V-25 Mitchell by North America. P-38 Lightning by Lockheed. V-26 Marauder by Martin. P-39 Air Cobra by Bell. V-24 Liberator by Consolidated. And P-40 Kitty Hawk by Curtis. But 50,000 aircraft meant speeding up from 2,000 planes a year to more than 4,000 planes per month. Could America do it? When German forces led by her Luftwaffe began to overrun the map of Europe early in 1940, across Denmark and Norway, then southward, speeding over Holland and Belgium toward France, I as a military observer filed my reports. The air war that everyone feared had in fact stuck. The smirking Luftwaffe was repeating its fully success as it paved the way for advancing panzers which crushed 3.5 million French soldiers. While German troops and airmen who stepped on the heart of Paris, the Luftwaffe was invincible. But the triumphs of 1939 and 40 had all been scored against weak opposition. After the French surrender June 22nd, only the RAF remained for the Luftwaffe to conquer. A test of strength soon came. The battle for Britain. The Luftwaffe set to its task of controlling all Western Europe by crossing the channels. German engines forecast a rain of death. The RAF was ready but outnumbered. Warned of the approaching attack, their fighter command sprang to the task of trying to hold off the invasion. While Britain's spotters and warning centers tracked the enemy planes, I watched the island's defenses go into action. The outnumbered few fought back with more than blood, sweat and tears. They had spitfires and hurricanes in their aircraft arsenal and a modest but well-trained force of airmen. The best that Gehring had to offer was knocked out of the sky. The Royal Air Force outnumbered two to one fought the Luftwaffe to a standstill and chased them back across the channel. Then Britain's warning centers reported that Gehring switched to night raids. London was still the main target, but the people had learned to take it. Although slowed down by ground and air defenses, the Luftwaffe's final effort was desperate. Her repeated night raids on southern ports and shipping were furious, but Britain was safe. Out of the London Blitz came new collaboration with friendly nations for U.S. air defense. The President revealed an agreement transferring 50 over-aged destroyers to Great Britain in exchange for the right to establish air and naval bases at eight key points. We received 99-year leases on sites in Newfoundland, Bermuda, the Bahamas, St. Lucia, Jamaica, Antigua, Trinidad and British Guiana. For bases such as these late in 1941, Army engineers began to practice building airfields in a hurry, a job they eventually did all around the world. At the Louisiana and Carolina maneuvers, steel carpets for airplanes were tried with excellent results. Air leaders called these landing mats the year's greatest achievement in aviation. Rivalry between Air Commanders William Kepter and Aza Duncan was key, and every effort was made to simulate actual war conditions as they existed in Europe at the moment. Except that Hitler didn't use sacks of flour. High point of the maneuver was the lesson learned from the first large-scale use of American airplanes to move armies. On November 22, the fleet of C-47s unloaded a complete battalion of airborne infantry to help capture Polk Field, North Carolina. In the sham battle it followed, all the new planes distinguished themselves. Attesting to the gains made during the years of experimental flight, technical advance, expanding man and machine power, the nation's air arm was being prepared for grueling events now only days ahead. December 6, 1941, Honolulu. Although alerted, the city went about its business in the usual way. December 6, 1941, Hamilton Field, California. We were under orders to get every available B-17 to the Philippine Islands. General Arnold personally inspected the air movement of the 13 B-17. They carried no armament because of the heavy gas load necessary for the 3,000 mile hop to Oahu. Dawn, December 7, 1941, the Pacific Ocean. A Japanese test force was also heading for Oahu. Mission, sneak attack. Primary targets, Pearl Harbor and Hickam Field. Exactly at 0600, the fateful signal was given. And the first wave, 200 fighters, horizontal bombers, torpedo bombers, and dive bombers roared off. Pearl was an ideal target because through greater fear of sabotage than air attack, ships and planes had been brought together rather than dispersed. When the B-17s from California finally approached the island, their engines were heard by some of our men at Pearl and Hickam. At the same instant, from another direction, the Japs struck. In the midst of the onslaught, the unarmed B-17s arrived. Our pilots could do no more than find a place to land. Wave after wave of enemy planes bombed American aircraft in units of the Pacific Fleet in a treacherous attack which achieved perfect tactical surprise. Other Japs went after US fighters on auxiliary fuel. In spite of the terrific pounding, our pilots and mechanics were able to get four P-40s and two P-36s in the air within the first 30 minutes and offer some resistance. In the face of overwhelming odds, Lieutenant Terry Brown, Robert Rogers, Kenneth Taylor, John Webster and George Welch, among many others, fought back as best they could. At the end of the single-air attack, the United States had suffered a crushing blow and the nation was at war. The Japs squadrons returned to their carriers with a loss of only 49 planes, a cheap price for so great a victory. Although America had paid heavily for being unprepared, the US Air Force, led by men like Cap Arnold, began to rise from the disaster. We are faced with a tough job, but I know that we can do it. And with all due reverence, I say, by God we will not.


Hi everyone, Joe for Jaspy's casebreaks.com coming at you with 2019-2020 Panini Mosaic Basketball Hobby edition two-box random team break number one 30-spot break everyone gets a random team in the NBA. No vet commons will ship Just keep that in mind and we're gonna use the checklist on groupbreakchecklist.com for the team USA assignments I think it's gonna be pretty obvious, but I think the two in question. I think the Charles Barkley goes to the Sixers and then the Vince Carter goes to the Raptors Big thanks all of these folks for getting into the action really appreciate it. There are the all 30 teams in right there Let's roll it. Let's randomize it six and a four ten times for each list one two three four five six seven eight nine and 10th and final time After ten we've got Zach Paul down to Kevin Mendoza Six and a four ten times for the teams will match up with a good team two three four five six seven eight Nine and 10th and final time. All right. All right. All right ten wizards down to Bulls All right, Zach Paul with the wizards hot you more on to Greg McKinnon with the Bucks Yanis trailblazers for Matthew Shearer sons for Maui bra last-bought mojo to Thomas you got my Lakers nice mark with the Nuggets calves for Zach Some LeBron James is in there that have some strong value Clippers for Daniel Christian Matthew Shearer with the jazz same with them With the Luca Donchiches Matthew Shearer those are the vet commons at will ship LeBron Commons right for the calves and the Lakers Luca Donchich commons will still ship Yanis commons will still show I don't think Kobe's on the checklist But if he was I think he his base cards would ship to Matthew with the Pacers Daniel with the Thunder Roger Eastwood with the Celtics TJ Leonard Pelicans Thomas with the Hornets Jesse with the Pistons Anthony with the Magic Derrick with the Sixers Brian with the Grizz nice Matthew Shearer with the Spurs Ryan S with the Rockets Richard S with the Raptors Kevin M with the Nets Matthew with the Hawks Ryan with the T Wolves and the Knicks Brian with the Kings Anthony with the Warriors Greg with the Heat and Kevin Mendoza with the Chicago Bulls Let's alphabetize by team and while you're considering trades. I'm gonna flip screens just for a second I'll go back to that team list in a second. But while you're considering trades I think I was messing with the camera angles here a little bit doesn't matter that is the case right above my head So let's pop that open on the dice roll on the roll the dive one two three four five six They're not all quite on camera. They can see all the boxes now So from far left side to the right side one two three four five six I'm gonna choose. Let's choose That die right there And it's gonna be two Right here. You got flamingo two and that's this group right here. We'll bring that on to this main camera here Let's actually Use this it's kind of hard to see on the camera right there, but I've marked all of these with green X's so For the next two box break, you know, they are all from that same case I only think we have that one case anyway So there you go. All right, I'm gonna pause the video when we come back and see if there's any trades and then the break Welcome back folks a little bit of trade chatter, but no deals were done right here. So there we go And you realize I'm pause the video and the first thing Steve Harvey says on feud is boobs So here are the two hobby boxes that we selected So the hobby boxes Ten packs per box and one autograph per box on average some nice stuff in here This is our last break of the night. We had a really solid day We knocked out that big baseball mixer, which was a lot of fun. So thanks everybody We got a one box NT done today to get some more stuff done tomorrow as well Am I going under? I'm usually go under on the fast money total, which is 200 I'm gonna go under on it. I'm gonna go under. Okie doke. Here we go. Good luck And I'm sure there'll be another two box break in the store, which we can work on tomorrow. There's Evan for me a Eric Pascal, I think these stained glasses if I remember correctly do pretty well. In fact, I think we I want to say we gave away a graded Steph Curry Stained glass, which I think went for a lot of money Secondary market value should be a lot Anthony V with the Warriors. There's the NBA debut Eric Pascal Which are not numbered But of course, they will ship Dwight Howard Silver, Hamidou Diallu and We've got Tyler hero blue chips mosaic for Miami. That'll be for Greg B We've got Seth Curry and a LeBron James red mosaic. Very curious as to what these go for Lakers will get that one. That would be for Thomas C. I looked up 2019 2020 mosaic red LeBron James 50 to $80 card Raw, yeah, some go some as much as 120. These are all ungraded a graded gem in 10 300 bucks 295 So there you go. Thomas Chilton with the Lakers these base LeBrons are probably 10 15 bucks We got Enos Cantor maybe more three out of 25 That white prism look is kind of cool Eastwood with the Celtics another LeBron for the Lakers Thomas There's a Luca Donchich and LeBron in the background. It's probably a million dollars now Luca Donchich that'll go to the Mabs Matthew Shearer and the seer little is our autograph That goes to the trailblazers Matthew Shearer Going under fast money go taking the under under 200 Those MVPs card a red parallel MVPs card went went for 85. This is probably like 10 15 bucks. That's pretty nice That's cabs addition. So that'll go to Zach s Matthew Shearer with the Hawks Matisse Tybal rookie Tyler hero rookie card nice heat Greg. I'm nervous. She might she might get them This team might get over a hundred There's my phone do Mephone do heat Greg be Mephone do clippers. Sorry Daniel Christian and a Trey young blue to 99 Derek Rose RJ Barrett just a base rookie, but it's something Ryan S Same with the Tyler hero, but all these have like 10 15 ranges, but they've got value those top rookies Even second tier rookies 82 I'm feeling good about the under Larry bird for the Celtics Landry Shamet Nicola Yokech our first John Moran and RJ Barrett NBA debut John Moran of course and Zion on that elite level of rookies for this year. There you go Grizzlies Brian with the Grizz and RJ Barrett could could get up there right s Silver Jarrett Culver nice 25 John Moran Ryan M. I'm feeling good about the under folks Pete Thick sleeve top loader PJ Washington for the Hornets Not a curiosity Jarrett Culver silver from mosaic. That's NBA debut. What about a regular one? NBA debut 10 $15 some once old for three bucks, but another one sold for 18 $10 for the other one. Maybe It's not bad Ten bucks with Jarrett Culver silver top ten pick I'd hold on to that He breaks out That's gonna go from ten To 20 to 30 to 40 to $50 really quickly There at 137. I'm feeling good last answer carrot. Wow 194 The under is good Derek saying prices drop quite a bit since there was so much product available retail. It is drying up though It is yeah Mitch may what's going on? You just watched the 50 auto Home Run King booklet any word on how much it sold for or got offered. Well, I'm Mitch may I'm glad you asked Because I got a link for you It's being auctioned on Leland's Auctions right now. There's their original tweet along with that McDavid Jersey number rookie auto RPA that we pulled if you click that second link auction Dot Leland's comm Slash lot slash gallery if you go there and search home run Kings or Kings or something like that You should be able to see things at about three thousand now With a couple days left in bidding a lot of the bidding is probably gonna be pretty Pretty close to the to the end Could end up at five thousand ten thousand maybe for lucky Maybe more who knows who knows what happened at the end of a of any auction Kevin Knox Zion Williamson 39 out of 99 Zion blue Pelicans TJ Leonard should we look this up Zion Williamson blue mosaic show me That's not graded Sold it's six out of 99 sold Wednesday the 17th Just earlier to about a what a couple hours ago an hour ago a couple hours ago Fifteen hundred dollars fifteen eighty it was bid up to that. Oh, this is an NBA debut I was gonna say that's why I was like that's why my eye kind of bugged out That's for a base. All right. All right. This makes more sense $510 raw So nice, I was like wait what I was like that's not fifteen hundred bucks NBA debut about five hundred still still nice I'm sure TJ Leonard is not complaining What was the buy-in on this for two box break fifty bucks a team. That's not bad Kendrick Nunn NBA debut Blue chips Cameron Johnson Kendrick Nunn NBA debut base for the key Yanis MVP's bucks Greg McKinnon with that one Dwayne Wade heat silver Cam Reddish Dave Cohen's Old Celtic they're going to Eastwood Yeah, Mitch.  It's like the stock market. It'll go up. It'll go down You got to buy low sell high sometimes the market will be great Sometimes it won't you could ride it out and make a lot of money, too You just got to be sharp about it But yeah Could be a lot of money a lot of fun in it to win it James Harden for the Rocket that'll go to Ryan S. This LeBron James Stairmasters, which I think do okay on the secondary market We'll go there. It's a lot of fun second-year Luca Donchich Those do all right on the secondary market Tyler hero Kobe white NBA debut But if that was a silver Luca Donchich that's second-year silver Luca Donchich might go for 50 bucks just the base one though for Dallas. I'll be for Matthew Shearer Luca Samanich mosaic Duncan Robinson Hatchimura Tony Parker It's a regular Kobe white And a silver rookie Eric Pascal is that a dent in there? That's unfortunate It's like someone put like a thumbnail right there that goes to Anthony and the Warriors Mitch says I know cards 100k Plus that are more investments, but still could never in your dreams imagine justifying it. Well Now dream bigger Mitch when you when you become rich enough then you'll start to look at stuff like Dream big man. You can do it Seiku Dumboya Pistons that'll be for Jesse Stein Scofield red Yeah, Derek saying there are some quality control issues with the most I guess that's what makes the PSA 10s just that much more valuable, right? That's a nine for your bank. I am itch man That's what I'm gunning for You can do it too. Don't hold yourself back. Don't sell yourself short Brandon Clark Ignis Rodriguez Patrick Ewing and quendery weather spoon at the end. There you go boys and girls It's quick little two box hobby random team break as you can see we got some more in the store right here Jasper's case breaks calm. Thanks very much for joining us. We'll be back tomorrow 1 o'clock Pacific 4 o'clock Eastern Thanks for watching. Bye. Bye


This is stock number 10126A, we are here at Summit Automotive in Fond du Lac, Wisconsin. You're new and used sports car headquarters. Today we are checking out this super clean tooth 1997 Ford Mustang Cobra. This vehicle has the 4.6 liter dual overhead cam VA motor, which pumps out 305 horsepower. Specific green clear coat metallic is the color. We shoot all of our videos in 1080p, so if you have HD capabilities on your computer, tablet or smartphone device, turn them on right now because it is like you're right here looking at the car with me, and definitely your best way to check out the vehicle before seeing it in person. So just a little side note here about these side stripes. These are just stickers on there, so if you did not want those on there, those could definitely come off. Comes with the ZR painted alloy rims, and we have Sumitomo, HTR Z tires. These are two 6535 ZR 18s, and they have a good amount of tread left, I'd say probably 50 to 60% of the tread. Looks like it has really new brakes on there. Headlight lenses are nice and clear, as are the fog lights, the front bumpers and really nice condition. No major dents on that passenger side fender. Passengers side rims pretty clean, maybe just a little bit of scuffs on it, you can see it as the drilled and slotted rotors. As you go down this side of the car though, no major dents, dings, or scratches on the car. I didn't see any corrosion on this car either, very, very clean. This back rim is in nice condition as well. We take these HD videos so if you are far away, or even if you're close by and just cannot make the trip down, you can still see the car, hear the car, and have confidence in the vehicle that you're looking at before you even get here. We just want to give you the most comprehensive look at the car as possible, especially something as old as a 97 here. Back tires have just as much tread as the front tires. The rear wheel just breaks, of course, as you come around to the back, you'll notice as the dual rear exhaust, the deck lid, and spoiler are in nice shape as well. I didn't see any dents on that, and down the driver's side just as clean as that passenger side, no dents or dings on this rear quarter, and once again I didn't see any corrosion or anything on those wheel wells. This back rim, excellent shape as well, and down the rest of this side of the car, very, very clean. Inside this one has the light brown leather interior. Looks like everything's original in here, no rips, no tears on the seats, has some Cobra floor mats throughout. Power windows, power locks, power mirrors, it does have the Mach 460 sound system. The back seats are very clean as well. Looks like they fold down too. We'll hop inside the car here. You can see that this one has 37,487 miles, the white faced instrument cluster, really nice and clean. You get the leather wrapped steering wheel, no scuffs or scrapes on that. Comes with the AM FM CD and tape player. Air conditioning works good, I can vouch for that. Has the five speed manual transmission, passenger seat, and floor mats are in really nice condition. The headliner, no rips or tears on that, really nice condition as well. That will take a quick look under the hood. Let's see if I can pop the trunk here too. Take a look at the trunk as well. That is a power driver's seat in the front there. So I think that's a subwoofer. Then we have some extra, it looks like intake parts and stuff back here. It looks like it has a Rockford plosgate amp there as well. The lock shuts nice and solidly. And we'll take a quick look under the hood. I would personally like to thank you for checking out the video today. Hopefully from this HD video you'll be able to tell just how clean this car is all the way around inside and out under the hood. We have the 4.6 liter dual overhead cam motor engine bay is very, very clean, runs very smooth, does have that cold air intake on it. You can see it was hand built, runs very smooth, engine bay is very clean. This car has been fully safety and inspected by our service shop. Has a fresh oil and filter change, all the fluids have been checked and topped off. And this car is 100% ready to go. To see more pictures of this car or one of our other 450 new and used cars, trucks, SUVs, minivans, Wranglers, you name it, we got it, go to our website, www.SummitAuto.com. Full pictures and descriptions of every single vehicle from two locations all at one website. There we go, I'm shooting my camera right now. And to see more pictures of this car go to SummitAuto.com, if you'd like to check out more HD videos you can go to www.youtube.com. SummitAuto, remember to like, subscribe, and share on this video and all the videos that you see there. In fact, in a second you will see a link to subscribe to our YouTube channel on your left. A link to more sports car videos like this one on your right, if you've not been to our website on the bottom link to this vehicle on our website, click those, check us out. And we really look forward to helping with this super clean 1997 Ford Mustang Cobra with the 4.6 dual overhead cam. Thanks again.


Is there anything more painful than a guy who pulls away? So a guy you like is into you and you feel like you really have a connection and maybe things go well for a bit. But then he starts to become distant. Text messages become shorter and shorter and he starts coming up with all kinds of excuses. And then eventually he just disappears many times without even telling you what just happened. But you do have a choice in the middle of all of this. You can do things which push him further away and faster and make him feel like he doesn't actually want a future with you even if he did before. Or you can start to make him miss you causing him to fall in love and then decide that you're the one and only one that he wants to be with. So let's go over some of the biggest mistakes that women make when a man pulls away and then I'll tell you what to do instead. Number one, confessing your feelings to him. So this is something out of like romance movies where it doesn't actually work in real life. So you think if only he knew how I really feel about him he'd decide that he wants to be with me. But in reality this just suffocates a man. It makes him feel a lot of pressure and then it makes him feel like he needs to pull back and think things over. And what it ends up doing is destroying you emotionally in the process. So instead you want him to know that you're interested in him but not completely won over by him yet. Why? Because it's been proven over and over again that when a man is uncertain about how you feel about him he'll feel more attracted to you. And if you do this the right way this attraction can then turn into a deeper desire love and even commitment. So number two, apologizing. This happens when you convince yourself that he's pulling away because of something that you did. So you end up apologizing to make up for it. Most women do this because they're used to fixing things and talking things out with other women. But this never works with the men that you're dating. Unfortunately it only makes his desire and interest and you plummet because he feels like you're putting him on a pedestal. Men don't want to be put on a pedestal with the women that they're dating.  Apologizing will only make him feel the opposite. Don't assume that you caused him to pull away. It might have nothing to do with you. Number three, trying to buy his love. This usually looks like giving him a gift, buying him dinner or trying to impress him in some way. Most women do this because they're trying to pull him back in when he's pulling away. But this only makes him think that you're trying to prove that you're worthy to be with him. Improving that you're worthy to be with him makes him see you as less valuable, not more, which ultimately will make him end up taking you for granted. Why? Because women who know their value don't try to prove their value to a man. Only women who don't think they're valuable do this. Instead, what you want to do is you want him to try to impress you and connect with you and pursue you. And he won't do that if you're the one that's doing it to him. Number four, faking disinterest. Women tend to do this because they either want to get back at a man or they read somewhere that they're supposed to do this in order to get a guy to like them. This usually looks like ignoring his text messages when he reaches out or waiting days to get back to him. This doesn't work long term because it makes him feel like you're playing games with him which will only make him feel resentment towards you.  Not because you're trying to play some game on him.  If he falls in love with some kind of game you're playing on him, you'll have to play that game forever in order to keep his interest. Number five, giving him some kind of ultimatum. So this usually sounds something like, my time is valuable. So if you're not going to put the effort in, maybe we shouldn't see each other. Now, this doesn't work because men don't want to be forced into anything.  You want him to miss you, regret pulling away and feel like he wants to come back and never leave again. I have a process for doing this and it's something that I call the forever woman formula because it makes him fall in love and want to be with you forever. There's actually a four word text message that you can send him that gets his attention and makes him realize that he shouldn't have pulled away in the first place. Women in our community who have used this text message have gotten some amazing results where men have even apologized, asked for their forgiveness and taken them out to dinner to make up for pulling away. If you'd like to know what that text message is, click the button on the right hand side of this screen to watch a video about it right now.


So, students in this module, we will discuss the misconceptions about NoSQL, misconceptions. So, people have the wrong understanding, people have the wrong concepts, the wrong ideas, the wrong notions about NoSQL and of course, those wrong notions are negative. So, the purpose of this module is to look at some of the fundamental misconceptions people have about NoSQL and those 10 misconceptions I will be discussing as shown on the slide. So, you see there is a host of misconceptions and among them I have selected 10 of them. So, now let us look into more details about those misconceptions because as you can see over here that these misconceptions are very, they are addressing some very important aspects, very critical aspects for example, asset compliance for example, bread and butter of databases. Now, that is not the case that NoSQL does not comply to asset, that is not the case and it is just a hype that is not the case. NoSQL is used by Facebook, used by Amazon, used by Google, Oracle has NoSQL solution, Microsoft has. So, it is not a hype. So, I will go through these 10 of these misconceptions and after this module, you will be more comfortable and you will be more confident about knowing that the area, the domain in which you are working with NoSQL that has a bright future and it also has a bright present. So, let us talk of those misconceptions starting with single type of database. It is not the case unlike the relational model which only supports the relational model. NoSQL supports four different types of databases, not one but four and three types of storage mechanisms. So, if you look at the combination, it is a wide variety. It is totally wrong that it supports only one type. Then is the list is given over here. It is not asset compliant, that is not the case. For example, it is fully serializable in certain types of implementations and it is read, commit, asset compliance also. And of course, then there is the asset like consistency which is there at the client side setting. So, you have this NoSQL solution and you have to set certain settings at the client end which will ensure asset like consistency. So, that is not the case. That is a misconception. NoSQL lose data. That is not the case. Why is not the case? Because there are number of things for why because of which the data might might be lost. For example, it is a product which has not been properly configured. It is a product which is not mature enough. It is a product in which certain features have not yet been implemented. Because by definition, NoSQL is is open source, except for the license which have those lot of features. So, one cannot make a passing general judgment based upon something which is open source, which people are developing groups are developing and publishing it making it public. So, it is for less mature products and incorrect use. Guarantee of durability in asset compliance. This D, this D over here, okay. This D, this is there. This is there. Whatever is written, okay, that stays there. It stays there. Mission critical workloads. Now, if that was the case, so for example, if the loss of data, if there is a loss of data, then why would defense and intelligence agencies would have been using for mission critical applications? Why the banks would have been using for mission critical applications? Why the media companies would have been using NoSQL for storing their digital assets? Why the government healthcare system is using NoSQL when, of course, because there is no loss of data. It's a misconception. NoSQL databases not secure, okay. They support cell level security. Cell level means that I run a query, I secure a table or a group of rows and columns subset and I can secure at the cell level, which is intersection of a row and a column. That level of security is supported. And accumulo came from national security agency. This came from NSA. So, how come if it's, if it's not secure, then it's coming from NSA? Many open source commercial trying to replicate the red hat successful model. Okay. So the point is that many features come at a premium. You have to pay for them. They come at a premium. So the open source things, okay, which, which is open source groups are coming up with it. They may have certain issues, right? But that is open source. And there are many, they are all open source. That's, that's wrong. All Microsoft has their document DB oracle have and then France. So there are many companies like Microsoft may be a new intern, but France has been around for a long time. So it's not only open source companies. There are a lot of established players in the market who have no SQL solutions, their own no SQL. Only for web 2.0 application, it is just a hype. Now, since no SQL is is is public domain, so many startups adopted no SQL, okay, as their fundamental database. So that gives an impression that it is only for the no SQL is only for the web 2.0. That is not the case, because there are social media business there. But the most of the applications of no SQL are where the RDBMS was inadequate, more applications in the domain where RDBMS was not because as we have discussed before, that what we are trying to do with the RDBMS, the relational model is trying to force, we are trying to force certain certain problems, map them on the relational model for which the relational model is not suitable. And for those kind of models, we have the no SQL solution more popular. Big DBMS players have their own versions established players like Mark logic, which has been around for more than 10 years. It is not a hype if something is around for 10 years, if the major, major players in the database market have their own versions, it is not a hype. These major players have invested time, money and resources and people in it. If it was a hype, they would never ever have invested that kind of money in it. And finally, developers are not no SQL developers, don't do RDBMS, that is totally wrong. That is incorrect. The reason being that the RDBMS problems are different types of problems. The no SQL addresses different types of problems, right? So there is no points in comparing apples with motorbikes. This is the kind of comparison which people make it is irrelevant. No SQL will be gone. Okay, if that was the case, we have new SQL also, which is the blending of no SQL with the RDBMS. So it is evolving, we are getting new things. So if, if no SQL didn't have a future, why we have new SQL? So you see that there are many misconceptions about no SQLs, which are ill, I will never say they're ill founded or not, but they are misconceptions. And in this module, I have tried to make an effort to clarify those misconceptions. That is all I have for you in this module. Thank you for your time.


Fixing my caterpillars as my children call them. Anyway, sorry folks, I am operating under multiple schedules of reinforcement that I've established myself. Anyway, no, it's not really that odd when you understand what a multiple schedule is. It's another compound schedule where you have two or more simple schedules of reinforcement or semi-complex ones. Whatever. I'm just talking to myself in a circle today. Two or more schedules of reinforcement operating at any given moment. The cool thing about a multiple schedule is that it's signaled. You know when you're on this one or that one because it has a discriminative stimulus associated with it. Red light, green light, red light, green light.  So at least it's discriminated. So the organism knows what knows. At least it's signaled what schedule of reinforcement you're operating under. Reinforcers are delivered for the completion of any element along the way at any given time that you choose.


August is hot, and so are the savings at Appalachian Wireless, where all smartphones are 50% off. Even the 64, 128, and 256-gig models, two-year agreement required. Better service, bigger savings. That's today's Appalachian Wireless and East Kentucky Network Company. Portions of Lower Johns Creek and Pike County near Pikeville ran dark for several hours Thursday. The murky gray water was the result of a cold slurry spill into Johns Creek from the nearby Excel mining operation at Scotts Branch along Kentucky 194. The spill was caused by a leak in a pipe containing the slurry, which is a byproduct of the process of washing newly-mined coal. Containment efforts began quickly, but the spill resulted in a dark plume in Johns Creek, extending more than five miles long. Kentucky Division of Water Personnel were on the scene, taking water samples. One DOW representative said the agency was, at the time, monitoring the situation and containment efforts. U.S. Army Corps of Engineer Personnel were also monitoring the spill. Johns Creek is one of the tributaries of Dewey Lake in Prestonsburg. The spill occurred off-project property, but it is the major waterway into the lake. So we just wanted to go out and see what the status of the size of the spill and the cleanup efforts, and to see if they were going to have it contained before it got to the lake. It has not and doesn't appear that it's going to, so that's good. It was a relatively small spill, and they got on it pretty quickly. The amount of slurry spilled into Johns Creek remains unknown, but a mine official who declined to go on camera said the leak that caused the spill was fixed before noon Thursday. The mining company made sure they had a spill team on site and started to contain the spill as quickly as possible. The company reported it right away and stopped the source and had the response team out there quickly to minimize the damage or impact that the spill had. EKB News reporters Shannon Deskins and Sean Allen contributed to this report. In Johns Creek, Chris Anderson, EKB News.


My name is Tracy. I am actually with White Financial Ratings and Grey House Publishing. We do independent and unbiased financial safety ratings for banks, insurance companies, which we're going to focus on today and also investments, stocks, mutual funds, things like that. We don't take any compensation from any of the companies that we rate. Our ratings tend to be more on the conservative side, so that will become important later when we start talking about some of the ratings of the particular companies. We also don't allow any of the companies that we rate to see their rating beforehand, and if they don't like their rating by themselves off the list, please come join us. So it's information that you can trust and count on. So first we're going to talk about the major expenses that Medicare doesn't cover. Open enrollment and what does that mean? Why Medigap usually is a better choice than Medicare Advantage and how you can get lower premiums and potentially save some money, which is always a good thing, right? So for most people, Medicare eligibility has a seven-month initial enrollment period. It goes for the three months before your birth month, the month that you actually turn 65, and then the three months following that. There's also an open enrollment period from October 15th to December 7th, so we are kind of smack in the middle of that right now. And we're also going to talk about if you're still working and covered with your employer's insurance. How does that affect you? So if you enroll in the three months prior to your birth month, you should have coverage on the first of the month that you actually turn 65. If you enroll in Medicare during the initial enrollment period, either during your birth month or the three months following, there is a potential that you can have a gap with no coverage, so that is something to be aware of. The open enrollment period, October 15th through December 7th, allows you to make any changes that you wish to your current Medigap plan. So if you want to change plans, now is the time to do it, and you can do that every year. And there's no penalty during the open enrollment period. If you change plans outside of the open enrollment period, there can be penalties. So what if you're still working and have coverage, some coverage, of insurance through your employer? Then Medicare would become a secondary insurance to your employer's insurance. If you don't have insurance through your employer, then Medicare becomes your primary insurance. So let's kind of understand what the different parts of Medicare are. The four main ones are part A, which is your hospital insurance, part B, which is medical insurance, part C, also known as Medicare Advantage, and part D, the prescription drug coverage. So let's talk about the three main parts. So part A covers hospital-related services, emergency care, inpatient hospitalization, home health services, skilled nursing services, and hospice. Part B covers a lot of your deductibles, copays, coinsurance, doctor's office visits, lab services, ambulance fees, diagnostic services, such as MRIs, EKGs, CAT scans, etc. So that sounds great, right? I'm covered, not so much. When you don't have a Medigap policy to supplement parts A and part B, there are some out-of-pocket costs that you will be responsible for. These are based on 2018 costs, but you can see there's a hospital deductible, there's a part B annual deductible, first three pints of blood, skilled nursing facility care, etc. Hence the name Medigap, because it fills in the gaps of your original Medicare. And then there's part D, which we're only going to touch on a little bit about today. There's more information in the back of the room for you to take later. And part D covers your prescription drug coverage. Part D is not mandatory. It is a compulsory part of Medicare. However, if you do not sign up for part D during your initial enrollment period and you sign up later, there is a penalty for that that will be ongoing based on how long you waited. You do have some other options if you've waited a long time to sign up for part D, and that, again, is covered on some of the sheets in the back, because that could be a whole discussion unto itself. So some of the hidden costs for Medicare, prescription drugs, those aren't covered, vision care, emergency care abroad. So if you have saved a lot of your working career and you want to travel to do genealogy research, vacation, go see family, whatever it might be, you get sick or injured overseas, original Medicare will not cover you. Any dental care and hearing aids. So where does that leave us? Medicare was never meant to be everything to everybody. It wasn't meant to be the all singing, all dancing policy. It was meant to cover the most basic needs for our senior years. And so it leaves us with some gaps. Your options are Medicare Advantage, otherwise known as Part C, or Medigap, otherwise known as a Medicare Supplemental Insurance. So let's talk about the difference between the two of them. So Medicare Part C or Medicare Advantage is offered through private insurance companies. They combine the benefits of Part A and Part B and often Part D, excuse me, the prescription drug coverage. There can also be additional benefits and programs built in gym memberships or reduced gym memberships. Some of them have vision care or dental care included in them. So they can add on a bunch of benefits in addition to the regular Parts A and Part B. Medigap, or Medicare Supplemental Insurance, is offered through private insurance companies as well. And it helps to fill in some of the gaps between Parts A and Part B and what they don't cover. Some of those things that we talked about in the earlier slide that you would be responsible for. Medicare Advantage, as I mentioned, is provided by an insurance company, but coverage is limited to a defined network of doctors and providers. And sometimes these plans have no or very low monthly costs, so they can initially seem very appealing. However, the more coverage that you get, usually the higher premium, and you do tend to have higher out-of-pocket costs for deductibles and copays. Medigap plans also offered by private insurance companies, and you pay a separate premium for the coverage, but they're designed to fill in those gaps and you are covered anywhere in the United States. You don't have a specific network that is local to you. So Medicare Advantage generally lower premiums, but does have copays. Restricted network. You do need referrals most of the time to go see a specialist, which then can incur more copays. It can include extra benefits, as I mentioned, like vision, hearing, fitness, gym memberships, etc. And outside of your immediate network coverage, it's emergency care only. Or with Medigap, you do pay generally a little bit more every month, but you have the freedom to choose your own doctor. Referrals aren't necessary to go to a specialist. Some routine services aren't covered like vision and hearing, but you are covered anywhere within the United States. Medigap also tends to be a good choice for what we term as snowbirds. Anyone who may have a home here but also has a home in another state, so you're traveling between two locations, or you travel quite a bit and tend to be in multiple locations, that also tends to be a better choice than Medicare Advantage where outside of your initial network, you would only be getting emergency care. So that brings us to our first secret. Medigap plans provide identical coverage. So there are currently 10 plans in the United States that you're eligible for. Each one is represented by a letter A through N. And for every lettered plan offered by an insurer, the coverage is exactly the same. So for instance, every company that offers you plan A insurance is giving you the exact same set of benefits as another company that's offering you plan A. This means that you can actually line them up and compare them side by side. They follow federal standards and regulations. The government insisted on that. Unfortunately, you can't do that with Medicare Advantage. The Medicare Advantage plans come by different names in different states, in different areas with different benefits, and there are no federal guidelines or regulations within those plans. So as I mentioned, there are currently 10 plans A through N. And each one has different benefits. And that allows you to choose the plan and the coverage that you want and need, can afford, covers your health concerns, et cetera. And you can then choose the insurer knowing that your coverage is going to be the exact same as everybody else that offers it. So let's say that foreign travel is important. We know that we need to choose one of those companies, one of those six companies, that lists foreign travel emergency care. If in addition to that, we want to make sure that Medicare Part B deductible is covered, then that narrows it down even further to plan C or plan F. If we don't care about that, but one of the other concerns is important, it allows you to narrow down your choices based on this handy chart. No. Metagap. There's a bunch of handouts and this information will also be in a report that you'll be able to generate at the end. So you'll have this information. No, no, no. No, no. You don't need to copy this. You'll have all of this in a handy packet at the very end. Foreign travel is not covered by Part A and Part B of Medicare. If you happen to, like, you were vacationing or you have a second home in Alaska, and you're driving back to California through Canada and something happens to you, then you would be covered because you're on your way back. But if you're in France doing genealogy research or on vacation in the Luar Valley and something happens to you, Original Medicare Parts A and Part B will not cover you. One of those six programs would cover you. Yep. Yep. My understanding is that if Medicare refuses a certain medical charge, Medigap won't take it either. Is that different from overseas emergencies? It is with one of those six plans. So because foreign travel isn't covered under Parts A or Part B of the original Medicare, but it is covered under one of those six plans. If something happened and you had one of those, it would cover 80% of your foreign travel emergency. And the six are? C, D, F, G, M and N. And those will all be in the report too, so don't feel like you have to write that down. So that brings us to secret number two. The Medigap plans are standard, but how much those insurance companies can charge you for each one of those plans is not standardized. They can charge you whatever they want. And this is one of the biggest secrets because the insurance premiums can literally vary thousands of dollars a year. And the premiums aren't just because of where you live, although it does play a part in it. Your age, your gender also play into it. And because the plans are the same, you can really line them up. So I did an initial report for a 65-year-old female living here in California, and she went out and asked an insurance broker for a quote on plan F coverage. She wanted something extremely comprehensive. They quoted her $4,193 a year. Now, the lowest premium that she could have paid by utilizing this program would have been $1,848. That's a savings of $2,345 a year. That's over $23,000 in 10 years that she could have used for whatever she wants other than paying them, be it healthcare costs, reinvesting in a longer retirement, living expenses, travel, whatever it is. Yes, ma'am. I'm going to show you. We're going to get to the good part, I promise. So I talked in the beginning about the WICE financial ratings. We have been around for almost 35 years doing insurance and banking financial strength and safety ratings. And the safety ratings speak to the financial strength of the company. So are they financially strong? How well do they pay out their claims? Do they pay them on a timely basis? All things that are important. It has nothing to do with how nice they are to you on the phone or what their customer service is like. But at the end of the day, if I had a choice between a stronger financial company and that I knew was going to pay out those claims after paying my premiums every month versus somebody who always gave me a hard time about paying my doctor, but was so nice on the phone to me every time they did it, I would choose the first one. I would put up with a little aggravation. That's just me. Again, remember, you guys got to make the choice. So we did our ratings on a very easy to understand system. A is excellent. E is very weak. C is fair. Not great. Not terrible. Average. So you might be wondering if paying a higher premium means you get a financially strong company. I mean, that would be logical, right? But I didn't I didn't list the premiums here because they recently changed in the fourth quarter. But as I mentioned in the example with the 65-year-old woman here in California, the $1843 plan, that was a B-rated company. The company that was charging her over $4,000 was a C-rated company. So that brings us to secret number three. Safer insurers who are more financially secure insurers are not necessarily more expensive, even though it makes sense that they might be. Sometimes those higher premiums, as I mentioned, are coming from companies with a lower financial strength and safety rating. Sometimes you can get a lower premium with a much higher rated company. So higher premiums don't mean you're getting coverage from a stronger, more financially stable insurance. And that brings us to secret four. Again, you get to make the choice. You have the ability to compare the plans, look at the premiums, stack them side by side, and actually make the choice on which one is best for you. So you can balance the financial safety of the insurer with whatever plan you tend to choose. So you could decide that you're on a very fixed income and you want to reduce your premium by going with something more basic, or you can get more coverage with a more comprehensive company, sometimes for just a little bit more. So let's look at the four secrets again. Metagap plans are all identical in coverage. The plans are standard, but the rates are not. Safer insurers, not necessarily more expensive. And you guys get to decide. We get to make the choice on what's best for us. Yes, ma'am. Financially, yeah, the financial stability of the company. That's one of the parts of the review that goes into what makes them a higher rated company than one of their competitors. They report quarterly to the NAIC, which is a regulatory insurance organization, all of their financial numbers. And there's a lot that our analysts take a look at as far as their liquidity, stability of finances, et cetera. And they compile it by putting all the information through the algorithms and really digging down and analyzing the company itself. Yeah. So with one simple step, you guys can have a little bit more confidence that you have the right coverage, more importantly, at the right price for your particular situation. And what might be right for this gentleman up front might be completely different for this lady in the back. We all have different needs, both financially as well as health. So what we're going to do today is create a customized buyer's guide that's going to be customized to each and every one of you based on your age, sex and zip code. It'll show you absolutely every provider under every plan that will give you coverage based on your age, gender and zip code, which hopefully ends up saving you a lot of time and money, calling a lot of people, getting that information. And it's also going to give you the safety rating of every company provided. So with the report, you get a complete list of carriers in your area and what they're offering. Each one of the plans explained with the current premium costs. And we get told all the time that those costs that are listed are almost to the penny what patrons have actually paid come January 1st for the premiums. So they're pretty spot on. We check them monthly. And it'll also have the safety ratings for each one of the carriers. Correct. But a lot of times the research has shown that if you sign up for Parts A and Part B, including the Part B premium, which you can't get out of unfortunately, you sign up for a Medigap plan that is actually customized to what you are going to need and use and the Part D, even though you end up having three separate cards, ultimately it ends up saving you money out of pocket between co-pays and whatnot. Sometimes that lower premium seems very enticing and seductive in the beginning. And then the co-pays just end up eating what you could have saved. You guys are able to access this report at any time for free with the San Francisco Public Library card. And you can do it not only from here in the library, which we're going to do for anyone that wants to generate a report, but you can also do it literally in your pajamas from the comfort of your couch at home if you so choose. So in library you can simply click on the link found on the database page of the San Francisco Public Library web page. It's under W for WICE ratings. If you were out of library you would go to the same link and click on it and then it would ask you to input your card and your PIN number and you would hit submit and then it would allow you to access the page. So some typical questions that I get. Can my spouse and I use the same report? I don't usually recommend it. It's best if each one of you generates a report individually because the gender thing can change it slightly. You're not paying any extra to get to so you might as well each one have your own. How can I review the report? Well if you go to the link and you click on the page and you fill out the information the report is going to pop up immediately. It's going to ask you for an email address. If you put in a valid email address there will be a link to the report that will also be sent to your email address. You can access it from home at a later time or on a tablet or however you'd like but you will have immediate access to the report on your computer. We don't collect any of your information so if you do put in your name and email address we aren't going to collect it and spam you at any time. It's just to customize the cover page of the report itself and to send you the link. If you don't want to put in an email address or you don't have one in that box you can simply type in info and we can get to that in just a minute. So how many of you have AARP? I do and they're great and they send me the magazine every month and I get terrific discounts on all sorts of stuff and I hear from people all the time. They sent me great information on Medigap and Medicare Supplemental Insurance and so you know they've always been good to me. What about AARP? As we're going to see very shortly from the report AARP has a commercial contract with one insurance company and one insurance company only. It's currently United Healthcare which is a C rated company for financial strength and United Healthcare does not provide every one of the 10 plans for every gender in every zip code. So there are some limitations so it's not necessarily your best choice for Medigap's sign up. So what if I have Medicare Advantage and I want to switch? You can drop the coverage and enroll in Medicare Parts A and B and Medigap if you so choose during the open enrollment period which as I mentioned was October 15th through December 7th or during Medicare Advantage Disenrollment which is January 1st through February 14th. But during that time you may undergo medical underwriting to determine if you will have to pay more or if you're even eligible for coverage. So are there any changes coming up? Yes there are. On January 1st 2020 so not this January but a year from now plans F and plan C are going to be closed to new enrollees. If you have them you will be grandfathered in if you want to keep them but Congress has decided to get rid of them in part to reduce government spending. In many cases if plan F is something that is interesting to you because of the comprehensive coverage that it has plan G is also a good plan to take a look at to compare and it will be a great option for any new enrollees in 2020. The only difference between plan F and plan G is that in plan G you have to pay the $183 one-time annual deductible for part B. In many cases if you line up plan F premium against plan G premium for a high-rated company in plan G you're going to end up paying a lot less than just $183 so it ends up behooping you to choose that option anyway. So you're saying that every year under plan G you have $183 to pay? Correct. Yeah but no additional premium? Correct. Where is the plan F you're going to have monthly premiums? No with plan F they would cover the plan B co-pay of the $183 but many times just for sake of example plan F might cost you $4,000 plan G might cost you $3,700 you have to pay the $183 but at the end of it you're still only paying $38,000 you know it's a little bit less that you save which with costs of everything these days a little bit goes a long way. Okay so who would like to generate a report? You guys with me? We're going to do it with the computer. Okay I don't have it with me. That's okay we have a bunch here that you can use.


Hello, this is Nick from Laptop Media and today, we will show you how to open the Lenovo Thinkbook 16P Gen 4. For removing the bottom plate, you have to undo 8 Torx head screws. After that you can pry the panel with a plastic tool. Please remember, it would be of great help to us if you just hit the like button and subscribe to our channel. That would motivate us to make even more and better videos for you. The battery is an 80 watt hour model. If you want to take it out, you have to detach the battery connector from the motherboard. Then you have to undo the 6 Phillips head screws that are keeping the unit fixed to the base. The model has enough juice for 12 hours and 30 minutes of web browsing or 10 hours of video playback. Given the potent hardware and the high resolution display, the result is very good. The two so-dims are protected by a metal shroud. The maximum possible amount of memory is 32 GB of DDR5, 5200 MHz RAM in dual channel mode. The pre-installed memory sticks are rated at 5600 MHz, but they work at 5200 MHz. For storage, there is one 2242 and one 2280 M.2 slot for Gen 4 SSDs. The pre-installed NVMe has a thick thermal pad that is making contact with the metal bottom plate. The cooling system seems promising. It comprises two fans and three heat pipes, shared between the CPU and the GPU. There is a fourth one that is dedicated to the graphics card. We can also see four heat sinks and several heat spreaders.


Recently there has been interest in exploring the coupling between magnets for use in information processing, however, this is hampered by the fact that such coupling is forbidden due to the different parity of the acoustic and optical magnets. Here, Comstock et al show that the interlayer Jialoshinsky-Maurier interaction in a layered hybrid antiferromagnet can allow for strong coupling between the acoustic and optical magnets, offering a pathway for magnon-coherent information processing. This article was authored by Andrew H. Comstock, Chung Dao Cho, T. Yu Wang, and others.


and welcome. Thrilled to have you here today. Another episode for the nonprofit show today is a thought leader episode. You should have noticed that with that bright yellow background. Thrilled to have back with us today, Tracy Van Der Neck, CFRE president of Philcom. Tracy's here to talk to us about how you can create your own fundraising model. So she's going to shake it up and I cannot wait. I'm here for the shaking. So before we get into the conversation with Tracy, we want to remind you who we are. So hello to Julia Patrick, CEO of the American Nonprofit Academy. I'm Jared Ransom, your nonprofit nerd, CEO of the Raven Group, and we are honored to keep these conversations going strong. Thank you so very much to our amazing presenting sponsors.  Thank you so very much to Blumerang, American Nonprofit Academy, Fundraising Academy at National University, Be Generous, Your Part-Time Controller, Staffing Boutique, Nonprofit Thought Leader, and Nonprofit Nerd. If you missed any of our episodes, these sponsors again keep it going and growing. You can find any of our episodes, including the previous ones with Tracy on Roku, YouTube, Amazon Fire TV, as well as Vimeo. But wait, there's more. We're on podcast form and Tracy, I love that one of your prospective clients and hopefully client now said, hey, I recognize you from the podcast, from the broadcast. So so glad to know that this is working for you and really glad to know that we have a lot of viewers and listeners. So go ahead and queue us up wherever you stream your channels. Tracy, again, we are so thrilled to have you back. Tracy Van Der Neck, CFRE president at Philcom. Welcome back, Tracy. Thank you for having me back. Yeah, you know, Tracy, we've always loved the things that you've brought to the nonprofit show and all of the different aspects of being successful and navigating these really difficult, challenging times. And we're not out of the woods. We still have a lot going on. We're also, as we speak to you in that big final push for the end of the year. And whoa, you're putting my hair on fire, sister, because you're saying, wait a minute, let's think about how we navigate some of our fundraising models. So Jared and I are really excited to have this conversation. Great. Yeah, I'm looking forward to it. Okay, so I'm going to put you in the hot seat. First and foremost, fund development profession has methodologies and procedures. Okay, what does that mean? It's the boring version. I think a lot of times, board members and sometimes even nonprofit executives don't realize that fundraising is actually a profession. So sometimes it's up to us to educate them with the fact. And I have the list here of what makes us a profession. We have a recognized body of knowledge, which is everything that's laid out currently in the certified fundraising executive study list. We have continuing education for professionals, which usually comes through AFP. We have a code of ethics, which came through a bunch of associations together with AFP. We have research studying the profession, and we have a certification for practitioners in the profession. So those five things define us as a profession. And then the methodologies and processes are just the ways that we have learned or choose to go about our fundraising. So what we're talking about now is honoring the ways we have been doing it, but also being willing to evolve to a next level of fundraising practices. I love that you share with us that fundraising is a profession. And I have to own up, you know, so many people will say, oh, it's easy to raise money, or it's easy to get a grant, or it's easy to get a sponsorship. And then, of course, you have the other side of the camp that's like, it's terrifying. I don't want to do it. And so there's really, I think, two camps. But I've always said a professional fundraiser is completely different. So bringing on a professional fundraiser that has that body of knowledge, has that dedication to the sector, the code of ethics. There's so much that goes into that professional side of it. And you mentioned CFRE, those of you listening, that is Certified Fundraising Executive. And Tracy holds those, holds those letters behind her name. And that is the highest rank you can receive as a professional fundraiser. There's actually an ACFRE for very few people in the world. It takes more than 10 years of work putting into it. So there are far fewer of those. And I can safely say, I am not going to be one of them. Well, you share with us this journey and this rededication to the knowledge that we do have professional designations. And that this isn't just a sales, you know, somebody that's good at sales. I mean, this has a much deeper level of understanding. And as you said, professionalism, I'm really interested in the concept of you saying we need to focus on the donor. And what does that look like? Because we're talking about methodologies and we're talking about, you know, process. But yours, I feel like you're pulling us back and saying, wait a minute, we need to focus on the donor first. Is that true? I think that the most standard methodology for fundraising that many of us have been using for the last 10 or 20 years has been one that focuses on the donor. It's all about finding the right donor, making the donor happy, building the relationship with the donor, finding the right project. And all of that's, all of that's good, right? There's absolutely nothing no fault that you can find with building your relationship with somebody who has the means to help that wants to help. And we're the conduit in between that allows them to do that. We as the nonprofit. So the focus on the donor is, I think, what's been our industry standard for a long time. And at least for me personally, I don't see a need for that to go away completely at all. I think we do need to honor and respect the people who are willing to help and help them do that the best way that we can. I think it's also a good time for us to evolve into a wider view of thinking in different types of methods. That's fascinating to me because I hear often this cookie cutter model, right? And I love that you're still staying donor centric, you know, having that first and foremost is really important. But it's not always a one size fits all in.  Could you share a little bit, we use the word snowbirds, but could you share a little bit about how fundraising might impact or be impacted by your community? Absolutely. And that's the perfect way to look at it is, as fundraising professionals and nonprofits, we all focus on getting to know who our target audience is or our prospective donor, who our current donors are. And in communities like mine, and I think like yours, I'm in Florida, so we have very seasonal fundraising. It's November to May is when we do the majority of our fundraising. But I have clients in the Northeast who don't think of that at all and they fundraise the best when they're not all snowed in. So it really does take knowing your community in that respect, Jared, but I think taking it much further to realize that our communities are made up of all sorts of diverse groups and types of people and categories of people. And by categories, I mean ways in which we can help those particular people. And in order to engage those people in the process and make sure that we're not making, we're not fundraising unilaterally and deciding what other groups of people need, we need to know our community well enough to bring it to make sure that everybody that should be involved in the process of our nonprofit mission delivery is really at the tape. You know, it's interesting because you're talking about focusing, like you said, on the community and the clients. How many of us in the nonprofit sector really do that? And what's your thought on that? Are we are we much more donor centric? And is this like a maybe a newer model because of these last three years? Like what are you seeing having caused us to even have this discussion? Jared mentioned something earlier about the fact that we as a nonprofit industry have sort of trained the people that we work with to expect to give in certain ways and to give it certain times of the year, like November through May in Florida. However, since the time of the golden age of philanthropy or the gilded age of philanthropy, whatever you call it with the Rockefellers and at the turn of last century, there has been a very specific focus on a group of people of means who can fix all of the problems for our communities. And over the last couple of years, there has been a younger newer group saying, wait a minute, we're not sure if we need you all to fix what you think is wrong with our communities. And what I've noticed is that it is younger nonprofits, not necessarily the people at them, but that too, you know, younger people, but at newer and younger nonprofits. And those that are at a more grassroots level, that are really embracing the idea of bringing the community into the fundraising process, not only the fundraising process, but the mission delivery process. What should the mission be? What does that mean? Who are we serving? It has been a characteristic of the nonprofit industry, at least in my opinion, for quite a while that sometimes we sit in boardrooms and make decisions about something that we think should happen. And unfortunately, we have not actually asked the people that it would affect. And new groups, younger groups are coming in now and saying, you need to stop that. It's creating a power imbalance and it's creating this savior complex, basically, of where we're holding the donors with money up on this pedestal so that they can fix and help people in need in the community. And what a lot of us, the conclusion a lot of us are coming to is it's neither right nor wrong to focus on the donor or to focus on the people of the community. And what makes sense is for all those groups of people, including foundations in the community, to partner to really get at the right issues and stop focusing on putting band-aids on things. Maybe, you know, go upriver and find out why people are falling in instead of just catching them at the end of the river. We really are at a place where I think the industry is starting, it is ready, some of the industry is ready and some of the industry is learning to be ready and some will be dragged kicking and screaming to the point that we really need to evaluate root causes of what is causing some of the issues and problems in our community. And one would think, okay, what does that have to do with fundraising? You're talking about mission delivery, but in reality it's all tied together. And many donors now are looking at the nonprofits in which they're considering investing, foundations or nonprofits directly, and asking them, you know, do you have a diverse board? Do you have diverse staff all the way up to the executive level? Do you have people from the community on your board? Are you, do your investment policies for your reserves reflect the values that you're putting forth here? And those are the type of things that we as fundraising professionals need to be cognizant on, that donors are becoming more and more savvy about the fact that this, we do need this to be a partnership and not this autonomous savior type of relationship that has sometimes happened in past years. So at least in my opinion, we can absolutely honor donors, build relationships, appreciate, thank them, help them find the right projects at the same time. We're respecting the communities, engaging everybody that should be engaged, even if that means us stepping out of the way and letting somebody else do it, just because we've always been the one in there doing something, whether it's fundraising or mission delivery, doesn't mean we're the right ones to keep going forward. So I guess there's a little bit of self-awareness that some of us are working on learning. That community-centered fundraising, I've heard a lot about that lately, Tracy, and you hit the nail on the head with it really being the shakeup from our constituency base saying, hey, wait, let's get to the root of the cause. Let's not just put the band-aid on it. Let's really figure out what is happening in the community. As you said, I love that. Let's go upstream, see where, you know, see where things are falling off. And you're right, funders are savvy with this, donors are savvy with this, so much so that I was doing some updating in GuideStar, known as CandidNOW, and they asked the questions of that diversity lens, you know, and we really have to start thinking about that because, you know, other organizations are asking to provide that information. And if we're not gathering it, then we're not able to share it. So thank you for bringing that community-centered focus and lens to this perspective because we have to create our own fundraising model. We have to consider what that means for our community, and we have to talk about, you know, really how we merge those together to really benefit the problem, right? Because that's why we exist. Absolutely. And to be clear, the donor-centered model, neither one of the models are my brainchild. I just know where to go to look to get information from the smart people that came up with those specific models. So the donor-centric or, sorry, community-centric model that has been gaining steam, I find that there are a lot of things that we can learn from it if we are willing to do that and to consider everything you're saying. Now, I've never been somebody who thinks that one size fits all, that one model is going to be it and, you know, that donor-centered is perfect or community-centric is perfect. I personally think you can take the pieces that work the best for your nonprofit, your community, the people you serve, your donors, and make this amalgamation of a model that works best for you and your constituency group. I have to agree. I'm always one of those two.  We've got some die-hards that are like, no, we're absolutely doing this model, this model only. That's what we're going to focus on. So it's interesting and we realized we might be rocking the boat with this comment and that's okay, but really, you know, customizing a plan that's right for your organization is really what you're talking about and taking the best of what works for you. Very true. So when I hear you speak about this, my first thoughts are, how often do we in the nonprofit sector have our, even if we have a campus, like our fundraisers are here and programming might be like off-camera in another place and we don't really know what's going on. And it seems to me that for so many organizations, we're going to have to dig deep internally to say what is it that programming is seeing versus what is it that fundraising wants to be able to hear and the stories they want to be able to tell? That is a very good point and it really speaks to the idea that fundraising from the top down, the board, the executives down needs to be infused and move it into every level of the organization. And, you know, we've always said that as a way to explain why we want program people involved in the fundraising practice, you know, they're the content, they're the ones that deliver it, so we need those stories, etc. But what you just described, Julia, is what I think of as a stepping stone into the new evolved way of fundraising, where if we are not at, we as fundraisers are not at some of those conversations and not at some of the tables to understand how the process is happening and who's involved in it, then we aren't as equipped as we could be to tell the story to potential donors or even to know who we should be bringing in and who those potential donors might even be. And to remind and be the voice on the side of the room reminding people that the profile of donors is also changing and as generations change, motivations change and very much younger donors are really motivated differently. They're motivated by being able to interact and be part of something. Their philanthropy tends to be more social and engaged in their social life. So if somebody my age poos that and says, well, that's not the way I've done it or not the way I like to give. That's nice. I don't have to, you know, but what we do have to do is realize that we have a whole community of people who this is how they want to engage with nonprofits. So it's our job to figure out ways to do that in the best way that we possibly can. Yeah. And, you know, one of the things we've talked about on the show quite a bit, although probably not enough, is cryptocurrency. And so we talk about the ways in which people give, right? Like literally the assets and how that's being given has changed. And to continue that conversation is important. So is there a secret sauce to this, Tracy? I've got to ask, like, you know, when we're creating a fundraising plan that's right for us, is there a secret sauce? If we're using cooking metaphors, I am probably not the person to ask because I burn everything. But in terms of fundraising, I think, no, I think there is not one universal secret sauce however, I think the sauce is informed by or flavored, if you will, by the culture and personality of your community and of your nonprofit. What works for a 100-year-old, very established foundation with a billion dollars in assets is going to be a very different model than what works for a community co-op in New York City who relies on a large amount of small donations given through social media or text. So it's really up to us to be creative and be willing to test out a few things and try things. And when I say that in terms of fundraising, I don't mean just, you know, try every type of fundraising out there because there's a lot of them and we could spend all of our time and we could really dilute our fundraising efforts if we were just trying everything. But if you take a really strategic approach, look at what's available and try a few of the things that you think will have the best result with your constituency group in your community, then, you know, test it, see how they work and move on from there. I'm curious, when you test something, do you test it one time, one year, over a series of times, series of years? Like what does that testing look like? Good question. The thing that comes to mind is fundraising appeals and targeting different groups, donor segmentation of who's already in your database. Okay. So when I talk with clients, I always say you know, if you send this email or you send this type of appeal and nothing happens right away, don't get distressed, don't feel like you did it wrong or your writing was bad or anything of the sort. It's that one, if you have never done something in this way, you have to sort of train your constituency group to expect to see communications from you in that way. And then the other way of testing it is sort of the standard way that we've always done is, if you're doing email appeals and you send them out Sunday afternoons and you find out that Sunday afternoon gets you a better response than Thursday mornings, that is probably because of the type of constituency you have, how many of them are retired, how many of them work, what time of day do they really check their social media. And then you can test things like using images, doing text versus email. And of course, none of this is specific to major giving. I'm sort of putting that off to the side and talking about fundraising to groups of people. So I don't think testing something once or even twice is ever going to give you enough information to determine if that is a good way to go. I think you have to be invested emotionally and financially in it enough to try several different versions. But then, if it's time to cut bait and say, this is not something that resonates with our community, let's move on to the next thing. Yeah, I see often where people say, oh, we tried that and it didn't work. We'll talk about it. Yes, eight years ago. Yeah, one time eight years ago. It was horrible. Right. Well, QR codes are the perfect example of what you just said, Jared. Oh my gosh. Eight, 10 years ago, when QR codes first came out, some nonprofits put them on everything. Nobody used them because they were a huge pain, well, not a huge pain, a huge pain in our immediate gratification society in that you had to download an app to be able to use them and take the picture. And a lot of people were not comfortable with that, especially potentially older donors. Now, fast forward eight or however many years it's been, and the technology is better so that you don't have to download an app and your regular iPhone will bring you that QR code to whatever page they want. So the nonprofits that were ahead of the curve back then may now be saying, oh, QR codes never worked. Well, there's a reason, there's a reason they didn't work. And now it's, you know, it was early adopters back then in that whole crossing the chasm, you know, the early adopters, the people that want to do it soon before everybody else. And then there's that chasm and then the people that will try it. And then the last group of people that wait to see what happened when everybody else tried it before they jump in. So great point. Yeah, because now we're ordering dinner with QR codes. We're paying for parking spots. So that really is a good example of reminding ourselves not to not to stick too closely to we've tried that and it didn't work. Great point. Thank you.  And I love your message today. And maybe as we finish up here with our time with you, I hear you saying continuously and actually supporting the concept of take the best and apply it in. Don't just get rid of everything, but weave it through. Do you think that's fair to say? I think that is fair to say for me. Yes, that is the way that I am comfortable doing it. And I can see positives from the different models. Now, you know, anybody who follows these models as they are, you know, as they're coming to life, we'll see that some people do are really ready, some nonprofits are really ready to throw out the old models and really just go focused on the whole community. And if that works for them, especially if they're new, if they're starting out that way, that's great. You know, do it how you can do it so that it works in a way that helps you positively support the mission that your organization is doing. Nonprofits that have existed longer, sometimes change is stepped. And sometimes it is a compilation of things until you find what works for your organization. And it's, you know, important to remember that even in one organization, not all your constituents look and act the same. You know, you have very vast different groups of people who like to communicate in different ways and who are looking for different things from a relationship with a nonprofit right in your own database. So just being cognizant of that and being strategic about how you try and evolve and take the best from each type of methodology that's available to us now that we're aware of can be a really positive thing. Such good information, Tracy. Thank you so very much. I know there's going to be some questions and people that are going to want to replay this. So please do check out Tracy Vanderdack, especially if you're looking to create your own fundraising model. She can help you take the best of all of the different elements, the different, you know, profiles that are out there and customize one for your organization. Tracy, thank you and thanks to your company, Philcom, for all that you do and provide to our sector. It's so nice knowing that from, you know, the opposite side of the coast, you're there and supporting your nonprofit community in such a fantastic way. So please do check out Tracy Vanderdack, CFRE president at Philcom. Her email or sorry, her website address is Philphil-com.com. So Phil-com.com for those of you listening on podcast and this has been fantastic, Julia. I'll let you roll us out. I love it. Hey, again, I'm Julia Patrick. I've been joined by the nonprofit nerd herself, Jared Ransom. We want to make sure we thank all of our presenting sponsors who joined us today along with Tracy Vanderdack. Bloomerang, your nonprofit, excuse me, American nonprofit academy, your part-time controller, Be Generous, National University's fundraising academy, staffing boutique, nonprofit thought leader and the nonprofit nerd. These are the folks that are here with us day in and day out that allow us to have these amazing conversations with thought leaders like Tracy Vanderdack. So make sure that you check them out because they are here to serve. Much like Tracy has been here to serve our communities in the nonprofit sector. Tracy, thank you so much. Thank you. Enjoy talking with you both. It's been fabulous. You know, as we end every episode, we like to remind ourselves, our viewers and our listeners to stay well so you can do well. We'll see you back here tomorrow, everyone.