Hello, my name is Ernest Garrett, III, executive director for DEAF, Inc.
Recently, we announced that DEAF, Inc. has been awarded from MCDHH to
offer Support Services for DeafBlind Individuals in Eastern Region.
Today, I am really proud to announce that DEAF, Inc. has been awarded to expand
our DeafBlind Support Services to Central/Northeast, Southeast,
and Southwest regions, a total of 85 new counties.
With me is Mr. Thomas Green, who is the program administrator for DeafBlind SSP Program.
Thank you, Ernest. The DeafBlind Support Service grant allows enchance our mission of
communication access and equal access, by ensuring that DeafBlind individuals are
engaged with their community.
In the next few months, DEAF, Inc. will be training DeafBlind Individuals how to use
Support Service Providers appropriately, and train the SSP individuals how to
best provide services to DeafBlind individuals.
Please visit us at www.deafinc.org/dbssp.html to learn more about our DeafBlind SSP Program.
DEAF, Inc. anticipates starting training late Jan 2018, and start providing Support Services to
DeafBlind individuals in February 2018.
If you are DeafBlind and want to apply for Support Services, or if you are an individual interested in
providing Support Services to DeafBlind individuals on contractual basis, please contact us at DBSSP@deafinc.org.
Thank you, Thomas. After this video, we will show all the counties that DEAF, Inc. will be providing DeafBlind Support Services.
Again, for the first time in Missouri's history, we are able to provide Support Services to
DeafBlind individuals in the state.
We want to thank MCDHH for their dedication and efforts in obtaining funds for this critical need in this state.
For more infomation >> DEAF Inc enews: More available regions for Support Service Programs! - Duration: 3:29.-------------------------------------------
Mourinho wants Manuel Neuer for Manchester United to replace David De Gea #mufc - Duration: 2:19.
JOSE MOURINHO has two options on his shortlist to replace David de Gea, if he leaves for
Real Madrid in the summer.
De Gea is Real Madrid's top target to replace Keylor Navas - although Thibaut Courtois is
also under consideration.
And Mourinho is considering replacements in case he needs to sign a goalkeeper in the
summer.
And Don Balon claim he wants either Jan Oblak, or Manuel Neuer from Bayern Munich.
Both are top level goalkeepers, and would help ease the loss of De Gea.
De Gea came close to joining Madrid in 2015, but an admin error saw the deal fall through
on deadline day.
And he went on to sign a new contract, and help United back into the Champions League
under Mourinho.
De Gea is one of the best goalkeepers in the world, and Real Madrid would love to have
the Spain No.1 between the sticks next season.
And Manchester United are making plans to replace him in case he does go.
Oblak would cost £87million to prise away from Atletico Madrid, while Neuer at 32 may
be a cheaper option.
Mourinho is said to be ready to offer the German World Cup winner a three-year deal
to switch Munich for Manchester in the summer.
-------------------------------------------
Tough times for Tarık - Elif Episode 657 | Season 4 Episode 97 (English subtitles) - Duration: 2:46.
(phone) The person you have called cannot be reached at the moment.
(phone) Please try again later.
Where is this woman?
- How may I help, Mr. Tarık? - Filiz, is Ms. Rana in her room?
I've been calling and she's not responding.
Ms. Rana took a week off. Told me that you knew about it.
Oh... Oh God... I forgot that.
OK then.
I'll call her from mobile.
I need to ask some things about some documents.
(phone) Is there anything-
That's strange.
What is this woman trying to accomplish?
Taking time off on her own,
turning the phone off, staying off the grid and so on.
Let's ask what's the matter with her.
Filiz, I'm leaving.
I've got things to do.
I won't be back for today.
- If someone is calling me... - Uncle?
Are you going to somewhere?
I was about to.
Is the meeting cancelled?
Which meeting?
You had the meeting with Mr. Cüneyt today.
Please don't tell me that you've forgotten such an important meeting.
I thought that we scheduled the meeting some time next week.
But it was today. Good thing I caught you before you left.
Or this meeting we've been waiting for weeks would have been for nothing.
It was.
Then I'll be in my room.
You let me know when Mr. Cüneyt arrives.
God damn it.
Just the right time for the meeting.
Making Mr. Kerem suspicious is something else.
Rana is a trouble, Kerem is another...
his sister is another.
-------------------------------------------
How to Keep Track of Your Credit Cards | Our Favorite Tools for Staying on Top of Cards & Points - Duration: 4:16.
Hi there, it's Ernest from Trip Astute. In this video, I'm going to show you how I
track all my credit card accounts, and share the tools that I use to keep it
all organized.
(light chiming music)
Those of you that are points and miles collectors know that it can
quickly become a challenge to keep track of all your cards. This is especially
true when trying to evaluate whether you want to keep a card with an annual fee,
or when planning out which new cards you want to apply for. Today, I wanted to take
a step back and share some easy and quick ways to keep track of all your
credit cards. Also, I have a freebie that I want to share, but I'll get to that later.
So, let me run through the tools that I use to keep track of all my cards. Number
1: Google Sheets. When it comes to keeping track of all my credit card
accounts, I use Google Sheets to log all my current and past accounts. The
spreadsheet that I use includes basic information like account status, card
name, type, and issuer. However, I also log information like whether I plan to keep
the card, the annual fee, whether it's a personal or business account, the opening
and closing dates, and any annual renewal benefits. This gives me a nice snapshot
of all my accounts and I can easily see what cards I've used and the benefits
associated with each one. Also, I love that I can quickly calculate my total
annual fees for the year and plan accordingly. Number 2: You Need a Budget.
There are plenty of tools out there that you can use to keep track of your budget
and spending. I've actually been using You Need a Budget since 2009 and it's
been a great tool for me to use, especially with this hobby. The budgeting
software is like a digital envelope system. What I mean by that is that it's
like the traditional method of budgeting where you set aside cash into an
envelope for that specific budget. So, I might set aside $300 for groceries and
if anything is left over, it carries over to the next month. Or if I overspend, I
might move money from one envelope to another. The reason this works great for
the points and miles hobby is that I always know how much I'm spending. And it
shifts the way I think about spending on my credit card.
Instead of worrying whether I can spend the money on the card, I'm more focused
on whether I have money to spend in that budget. As long as there's money in the
budget, then I know that I'll be able to pay the credit card in full. There's a lot
more to You Need a Budget and I should probably do a video on it in the future.
Keep in mind though that I'm using the old version and have not upgraded to
their new version, but I'm hoping to do so soon. Also, You Need a Budget isn't
the only software out there, and there are plenty of other apps and tools that
you can use to keep track of your spending and accounts. Number 3: Credit
Karma. We recently did a video on how to check your Chase 5/24 status using
Credit Karma. Definitely check it out if you need to see whether you opened or
closed an account. I generally check my credit score weekly, and I use Credit
Karma to keep track of my credit score and health. It's also a good way of
knowing whether your account history is correct and if there's anything that
might need to be corrected in your credit record. Number 4: Todoist. There are
a ton of different free and paid reminders services and apps out there. I
just happen to use Todoist for my normal work, so I use it to help manage
my credit cards as well. While I've set up auto pay on all my credit card
accounts, I do set up reminders for things like signing up for quarterly
bonus categories, evaluating and potentially canceling credit cards with
annual fees, and due dates for meeting minimum spend requirements. With life
being so busy, it just helps to have something remind me when I have to do
something. What tools do you use to keep track of your credit cards? I'm always
looking for new tips and services, so let me know if you have one that works well
for you. I've included the template of my Google Sheet in the video description
below. Though let us know if you have any questions on anything that we
covered in this video. If you enjoyed this video or found it useful, please hit
the "like" button and consider subscribing. Also, sign up for our newsletter on our
website for travel articles, updates, and giveaways. Until next time, travel safe
and travel smart.
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What'll It Take to Find Life? Searching the Universe for Biosignatures - Duration: 11:00.
The supertelescopes are coming, enormous ground and space-based observatories that'll let
us directly observe the atmospheres of distant worlds.
We know there's life on Earth, and our atmosphere tells the tale, so can we do the same thing
with extrasolar planets?
It turns out, coming up with a single biosignature, a chemical in the atmosphere that tells you
that yes, absolutely, there's life on that world, is really tough.
I've got to admit, I've been pretty bad for this in the past.
In old episodes of Astronomy Cast and the Weekly Space Hangout, even here in the Guide
to Space, I've said that if we could just sample the atmosphere of a distant world,
we could say with conviction if there's life there.
Just detect ozone in the atmosphere, or methane, or even pollution and you could say, "there's
life there."
Well, future Fraser is here to correct past Fraser.
While I admire his naive enthusiasm for the search for aliens, it turns out, as always,
things are going to be more difficult than we previously thought.
Astrobiologists are actually struggling to figure out a single smoking gun biosignature
that could be used to say there's life out there.
And that's because natural processes seem to have clever ways of fooling us.
What are some potential biosignatures, why are they problematic, and what will it take
to get that confirmation?
Let's start with a world close to home: Mars.
For almost two decades, astronomers have detected large clouds of methane in the atmosphere
of Mars.
Here on Earth, methane comes from living creatures, like bacteria and farting cows.
Furthermore, methane is easily broken down by sunlight, which means that this isn't
ancient methane leftover from billions of years ago.
Some process on Mars is constant replenishing it.
But what?
Well, in addition to life, methane can form naturally through volcanism, when rocks interact
with heated water.
NASA tried to get to the bottom of this question with the Spirit and Opportunity rovers, and
it was expected that Curiosity should have the tools on board to find the source of the
methane.
Over the course of several months, Curiosity did detect a boost of methane down there on
the surface, but even that has led to a controversy.
It turns out the rover itself was carrying methane, and could have contaminated the area
around itself.
Perhaps the methane it detected came from itself.
It's also possible that a rocky meteorite fell nearby and released some gas that contaminated
the results.
The European Space Agency's ExoMars mission arrived at Mars in October, 2016.
Although the Schiaparelli Lander was destroyed, the Trace Gas Orbiter survived the journey
and began mapping the atmosphere of Mars in great detail, searching for places that could
be venting methane, and so far, we don't have conclusive results.
In other words, we've got a fleet of orbiters and landers at Mars, equipped with instruments
designed to sniff out the faintest whiff of methane on Mars.
There's some really intriguing hints about how the methane levels on Mars seem to rise
and fall with the seasons, indicating life, but astrobiologists still don't agree.
Extraordinary claims require extraordinary evidence and all that.
Some telescopes can already measure the atmospheres of planets orbiting
other stars.
For the last decade, NASA's Spitzer Space Telescope has been mapping out the atmospheres
of various worlds.
For example, here's a map of the hot jupiter HD 189733b.
The place sucks, but wow, to measure an atmosphere, of another planet, that's pretty spectacular.
They perform this feat by measuring the chemicals of the star while the planet is passing in
front of it, and then measure it when there's no planet.
That tells you what chemicals the planet is bringing to the party.
They also were able to measure the atmosphere of HAT-P-26b, which is a relatively small
Neptune-sized world orbiting a nearby star, and were surprised to find water vapor in
the atmosphere of the planet.
Does that mean there's life?
Wherever we find water on Earth we find life.
Nope, you can totally get water without having life.
When it launches in 2019, NASA's James Webb Space Telescope is going to take this atmospheric
sensing to the next level, allowing astronomers to study the atmospheres of many more worlds
with a much higher resolution.
One of the first targets for Webb will be the TRAPPIST-1 system with its half-dozen
planets orbiting in the habitable zone of a red dwarf star.
Webb should be able to detect ozone, methane, and other potential biosignatures for life.
Except, as I mentioned earlier, confirming biosignatures is going to be tough.
And we'll get to that in a second, but first I'd like to thank:
The Universe.
Of all the universes that we could have formed in from a vast multiverse, it's great to
have one with a reasonable force of gravity and binding energy of atoms.
Thanks Universe, as well as:
JTheory Rob Stuart
Travis B. Vallance
And the rest of our 783 patrons for their generous support.
If you love what we're doing and want to get in on the action, head over to patreon.com/universetoday.
So what will it take to be able to view a distant world and know for sure there's
life there.
Astrobiologist John Lee Grenfell from the German Aerospace Centre recently created a
report, going through all the exoplanetary biosignatures that could be out there, and
reviewed them for how likely they were to be an indication of life on another world.
The first target will be molecular oxygen, or O2.
You're breathing it right now.
Well, 21% of every breath, anyway.
Oxygen will last in the atmosphere of another world for thousands of years without a source.
It's produced here on Earth by photosynthesis, but if a world is being battered by its star,
and losing atmosphere, then the hydrogen is blown off into space, and molecular oxygen
can remain.
In other words, you can't be certain either way.
How about ozone, aka O3?
O2 is converted into O3 through a chemical process in the atmosphere.
It sounds like a good candidate, but the problem is that there are natural processes that can
produce ozone too.
There's an ozone layer on Venus, one on Mars, and they've even been detected around
icy moons in the Solar System.
There's nitrous oxide, also known as laughing gas.
It's produced as an output by bacteria in the soil, and helps contribute to the Earth's
nitrogen cycle.
And there's good news, Earth seems to be the only world in the Solar System that has
nitrous oxide in its atmosphere.
But scientists have also developed models for how this chemical could have been generated
in the Earth's early history when its sulfur-rich ocean interacted with nitrogen on the planet.
In fact, both Venus and Mars could have gone through a similar cycle.
In other words, you might be seeing life, or you might be seeing a young planet.
Then there's methane, the chemical we spent so much time talking about.
And as I mentioned, there's methane produced by life here on Earth, but it's also on
Mars, and there are liquid oceans of methane on Titan.
Astrobiologists have suggested other hydrocarbons, like ethane, isoprene, but these have their
own problems too.
What about the pollutants emitted by advanced civilizations?
Astrobiologists call these "technosignatures", and they could include things like chlorofluorocarbons,
or nuclear fallout.
But again, these chemicals would be hard to detect light years away.
Astronomers have suggested that we should search for dead earths, just to set a baseline.
These would be worlds located in the habitable zone, but clearly life never got going.
Just rock, water and a non-biologically created atmosphere.
The problem is that we probably can't even figure out a way to confirm that a world is
dead either.
The kinds of chemicals you'd expect to see in the atmosphere, like carbon dioxide could
be absorbed by oceans, so you can't even make a negative confirmation.
One method might not even involve scanning atmospheres at all.
The vegetation here on Earth reflects back a very specific wavelength of light in the
700-750 nanometer region.
Astrobiologists call this the "red edge", because you'll see a 5X increase in reflectivity
compared to other surfaces.
Although we don't have the telescopes to do this today, there are some really clever
ideas, like looking at how the light from a planet reflects onto a nearby moon, and
analyze that.
Searching for exoplanet earthshine.
In fact, back in the Earth's early history, it would have looked more purple because of
Archaean bacteria.
There's a whole fleet of spacecraft and ground observatories coming online that'll
help us push further into this question.
ESA's Gaia mission is going to map and characterize 1% of the stars in the Milky Way, telling
us what kinds of stars are out there, as well as detect thousands of planets for further
observation.
The Transiting Exoplanet Space Survey, or TESS, launches in 2018, and will find all
the transiting Earth-sized and larger exoplanets in our neighborhood.
The PLATO 2 mission will find rocky worlds in the habitable zone, and James Webb will
be able to study their atmospheres.
We also talked about the massive LUVOIR telescope that could come online in the 2030s, and take
these observations to the next level.
And there are many more space and ground-based observatories in the works.
As this next round of telescopes comes online, the ones capable of directly measuring the
atmosphere of an Earth-sized world orbiting another star, astrobiologists are going to
struggling to find a biosignature that provides a clear sign there's life there.
Instead of certainty, it looks like we're going to have the same struggle to make sense
of what we're seeing.
Astronomers will be disagreeing with each other, developing new techniques and new instruments
to answer unsolved questions.
It's going to take a while, and the uncertainty is going to be tough to handle.
But remember, this is probably the most important scientific question that anyone can ask: are
we alone in the Universe?
The answer is worth waiting for.
I'd love to hear your predictions.
When do you think we're going to know for certain that there's life on another planet
orbiting another star in the Milky Way?
Let me know your thoughts in the comments.
Do you want to know when we release a new episode.
Are you worried that YouTube is going to accidentally unsubscribe you?
I've created an email mailing list to announce new videos when we post them.
I'll put a link to the mailing list in the shownotes below.
In our next episode we'll be looking at some anomalies of spaceflight.
You've probably heard of the Pioneer anomaly, but there's an even stranger one that slingshotting
spacecraft experience called the Flyby anomaly.
That's next time.
And finally, here's a playlist
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FINRA Unscripted: A Leader's View with FINRA's Senior V.P. for Government Affairs Greg Dean - Duration: 21:49.
-Welcome to another episode of "FINRA Unscripted."
My name is Eric Szaal, and we're here in Washington, DC,
a rather appropriate location because I'm joined today
by FINRA's head of government affairs, Greg Dean.
Greg, welcome.
-Eric, thank you very much.
-Glad to have you here today.
-Glad to be here.
-First of all, I want to take us back in time a little bit
because, Greg,
this is not your first go-round here with our organization.
You were here with our predecessor organization NASD,
so I want to give our listeners
a little bit of your personal history with the organization.
Could you tell us a little bit about your previous time here?
-Oh, sure, absolutely.
You're absolutely correct because before I joined FINRA,
I was with NASD regulation back in 2000, 2001.
I was in the Office of General Counsel at that time.
I was working on membership regulation
and other type of investor protection regulations.
So it was a fun time to be here.
We were just past the Y2K, and there was a lot of excitement.
-What attracted you to the government affairs world
after you moved on from then NASD?
Well, after NASD, I jumped right after 9/11 up into the Hill.
So I spent nearly 14 years working Capitol Hill
on the House side
for a little bit, mainly on the Senate side.
Worked for about six different committees,
and I really had a good, fulsome experience on the Hill side.
Prior to that, I worked in the executive branch,
working with small companies
and the Small Business Administration.
and so I thought I'd come back.
Robert Cook had asked me.
The position at the head of government affairs was vacant,
and he called me up and said,
"Would you be interested coming on over and back to FINRA,
back to your old roots?"
And there was a lot of excitement at FINRA
at that time.
We were celebrating our 10th anniversary last year.
There was a lot of work to do.
We were about 10 years post the economic downturn.
And so the regulator, the broker-dealer industry,
it was just a great opportunity to come back
and get to work with everybody.
It was good to come back and see a lot of familiar faces here,
but it was also good to see that the organization
has truly evolved over time.
-Back to the old stomping grounds, if you like.
Well, let's step out of the DeLorean, Greg,
and back to the present day and talk about your duty,
your current duties here with FINRA.
And obviously with government affairs,
there are working on a number of fronts with respect
to advancing FINRA's cause related to investor
protection and market integrity.
So why don't we start with talking about what your team,
at a high level, is doing at the federal level.
-Absolutely. There's a lot going on.
We have the change in the administration
at the beginning of last year with the new president
and new administration coming in.
We had a lot of new members of Congress,
both on the House side and in the Senate.
We had changeover on some of our oversight
subcommittees and full committees.
And in addition, there's a lot that we had interaction
with our state regulators, as well.
Office of Government Affairs
not only interacts on the federal level,
but on the state.
So it was a good opportunity for us to come in,
re-establish our ties with our friends
and colleagues both on the state level and the federal level,
as well as being able to tell them
the story of what FINRA does.
What we do for investor protection,
and what we do for market integrity.
How we use technology, how we work
collaboratively with other regulators.
And really to tell the story of what we do
because I think that we have a great story to tell,
but it's a little bit hidden.
And so it's good to bring this out in the open
and also working with the regulators.
-What activities -- you mention state regulators.
What activities does the Office of Government Affairs
do at the state level?
-Well, we work with NASAA,
which is the North American Securities
Administrators Association.
And all of their members --
there's 50-plus jurisdictions within the US,
plus they have Canada and Mexico.
But there's a lot that we do with them particularly.
We hold over 80 calls, quarterly calls, throughout the year
with each of the individual states and regional.
Plus, we talk about how we can interact,
promote investor protection.
There's a lot of work that we've been doing on senior investors.
In addition, just talking about
what they're doing on the state level.
Recently, they issued a couple reports
on initial coin offerings,
and we're also working in that particular space rather well.
-Now, of course, FINRA is not the sole regulator
there in the financial space.
What does Government Affairs do with respect
to promoting relationships with other regulators,
or fostering relationships?
-Well, as you clearly point out,
there's a number of regulators, both on the state side,
but primarily on the federal side,
we have a lot of financial federal regulators.
We have our primary regulator,
which is the Securities and Exchange Commission,
but we also do a lot of work with the Department of Treasury,
the Federal Reserve Bank,
the Federal Reserve Bank of New York,
the Office of the Comptroller of the Currency,
the CFTC, the Commodities Future Trading Commission.
So there's a lot of interaction there and a lot to work on.
All of the agencies have investor protection
as one of their top.
But I think FINRA actually works collaboratively
in making sure that we can reach out,
providing the broker check system,
providing investor education foundation,
which is one of the largest investor
education foundations in the country.
And being able to promote that and unify it
with the other regulators.
-Before we move on, another thing that Government Affairs
is involved with that a lot of our listeners
may not be aware of
is that you're involved with our Office of Investor Education,
presenting what are called investor forums
around the country.
Could you tell our listeners a little bit
about what your office does with those events?
-Absolutely. These are great events
because they're more getting outside of the Washington, DC,
and holding these outside, where the real investors are.
It's making sure that we're getting the message out,
targeting so that they understand,
how do you invest, what you should be looking for,
what questions you should be asking,
what is an investor professional that you should be looking with.
We usually partner these with the state security regulators.
We hold them in various cities, both large and small,
throughout the country.
In addition, we work with members of Congress.
We ask them as special guests to come and talk
about what they're doing in Congress.
We had a very good investor forum recently
that spent a lot of their time on seniors issues
because Congress is working on the Senior Safe Act,
and FINRA is just releasing a rule
that is for the protection of seniors.
So it was a very good synergy there.
And we also had the state security regulators
talking about this, as well.
-The Senior Safe Act that you just mentioned.
For those not familiar with it, what is that, exactly?
-Well, the Senior Safe Act is Congress' answer to allow,
whether it be broker-dealers, whether it be community banks,
whether it be investment advisors,
that if they suspect there's an activity of fraud
or perhaps something unusual going on with a senior investor,
that they could pass that information on
to their regulator.
Which is very important because we can then step in,
if necessary, take a look at the situation,
find out if the investor, the senior investor,
is making the right decisions,
or are they not making the right decisions, being influenced
by somebody else to make improper decisions
or decisions against their interest.
So, Congress is looking at this
to provide a little communication,
safe harbor for people within the industry
to work with the regulators to help protect seniors.
-Always something important to do.
Why, Greg, does a regulator like FINRA need
or have need an Office of Government Relations?
-Well, it's going back to the number of federal agencies
and state regulators that are out there.
There's a lot of them.
When you're talking with the state regulators,
there's 50-plus jurisdictions out there.
We mentioned that we have at least five or six,
seven federal regulators.
It's good for FINRA to have a one-touch point
within the one touch point within the organization.
That way, we can respond quickly if we have another regulator
that's contacting us to get that information out.
Also, it provides us with an ability to educate people
as to what we do.
For example, when we started last year,
we quickly realized that we have
one of the best technology companies in the world
that people don't know about.
When we do our cross-market surveillance,
we're actually handling between 35 billion
to 50 billion transactions a day.
And people had no idea.
So, when we talk to members of Congress,
talk to other federal agencies,
and we're bringing that to their attention,
it really is a mind-opening experience.
For example, we recently were able to give members
of our oversight committee
on the House Financial Services Committee
a live demonstration of our OATS program.
There they could see all the orders,
they could see all the customers being placed,
how they're going through the system
as part of that 35 billion transactions
that happen each day.
So, it was truly an amazing event.
And to have members of Congress see that firsthand
and ask questions,
it really was a very good learning experience for them
and a very good opportunity for us
just to promote the great things
that we're doing technology for market integrity.
-Do you have members of Congress, staff members,
or in-state regulators,
as well, say, "Wow, I didn't know that,"
when you come out of one of these sessions?
-Oh, absolutely. That happens quite a lot.
I don't want to say too much,
but it does happen from time to time.
I mean, when we were doing this OATS demonstration,
and you can click down to each individual order,
and then you can see which different
trading venues it goes through
before it's finally executed,
and their eyes just pop open as,
"Wow, I didn't realize you had that much detail,
and you were able to do that."
But it's also then giving the education on top of that
and saying, yes, not only can we follow that,
but we can also use artificial intelligence and tools
to find when there's abnormalities,
or we may detect fraudulent trading,
and we can go back and reconstruct this.
So it's just very -- it's a good opportunity,
and you really can see their increase
in understanding of us is very good.
-Greg, did you ever think you'd find yourself
talking about artificial intelligence?
-I have not, no.
Usually my family accuses me of it all the time,
but, no.
-How would you say that the Office of Government Affairs,
the work that you do -- your team does --
how would you say that that advances FINRA's mission?
-Well, it goes back to interaction.
It's the interaction with Congress.
It's the interaction with the regulators themselves,
making sure that we have good, strong dialogue between them,
as well as an education component.
We're more of a resource more than anything else.
When members of Congress have a constituent that has a concern,
we say, "Okay, we have the senior help line,"
that they can contact.
Or we ourselves will help work with constituents to find out
if they're having concerns, or if they have questions.
If they want to find out what's the difference
between a mutual fund and a variable annuity,
we can help point them in the right direction.
-It's very important, indeed.
You've talked about some of the issues already
that are kind of hot button issues
that you're talking about.
Could you give us a little more insight as to some of the issues
that your team is discussing,
first of all, at the federal level?
-Well, I think the important issues that are coming out now
are more technology related.
It's cyber security issues.
It's making sure that firms of all size,
from small firms to large firms,
have the capability of understanding
of what's happening with that.
It's also developing the new tools.
Whether it be robo-advice tools
or artificial intelligence tools,
how we can harness that technology
for the betterment of investors overall.
And also to help track down and root out fraud.
So, I think there's a very important lesson for all of us.
And I think our role is just to help
with those issues and promote them.
But right now, we're also at a very unique part of time
where ten years past, the economic downturn of 2008.
And so we're in a different environment,
so there are different challenges
with that particular environment.
Different investor education issues coming up.
These crypto currency and ICO issues are brand new.
So there is also a learning, not only for us,
but for the regulators, but also for the investors themselves.
-You mentioned the 10-year anniversary
of the economic downturn.
Do you find you're still talking about lessons learned
from those events today?
-Absolutely. You look at --
Because it was such a monumental event --
economic event in our country,
the markets on the verge of collapse and how we came back.
A lot at that time dealt with not only the housing market,
but our also understanding
within the financial markets themselves --
operating, how they're underpinning.
And so you've seen a lot of change with that,
but we're still learning a lot of lessons as we move forward.
In addition, you think about 10 years ago.
We were talking last year,
it's the 10-year anniversary of the iPhone.
How we interact with investors is changing as we sit here.
The rise of the smartphone, the tablets.
Artificial intelligence didn't exist ten years ago.
Yet, many Millennials and young investors,
that's the only way they get their information.
Are we reaching them?
Are we really providing the necessary information
to make sure they're up to date,
up to speed, and educated on financial markets?
-Do you find that you and your team are talking
about those similar issues
with state legislatures and regulators?
-Absolutely.
It's an ongoing dialogue with them.
I think trying to reach different segments
of the investor population has always been --
I mean, we talk about seniors all the time.
But there's also looking at Millennials
and how to dialogue with them in a different way
than you would a senior investor.
-Obviously, Greg, it's 2018.
We're in an election year.
Are there certain challenges that you and your team address
in an election year?
-Well, in an election year, as I said,
we try to operate as a resource for our members,
and we also try to educate.
That's our primary role, so an election in and of itself
is not really affecting our primary work
in interacting with regulators and interacting with Congress.
But we definitely don't get involved in the politics,
and we don't get involved in elections.
And we don't have a PAC.
So there is many things that we just try and stay away from
and try to keep to our core missions.
-I think that's always very important.
Obviously, there was a change in administration about a year ago
at this time.
Similar question.
What challenges are you and your team addressing with that change
in administration
as it continues to unfold?
-Well, there's a lot of change that has happened.
Many people say, "Oh, the change in the administration."
Yes, but there's also change in personnel, both at the top --
A lot of new cabinet agencies.
We have a new SEC chair.
We have recently two confirmed SEC commissioners
that have just joined the agency.
In addition, most of the top brass of all the agencies
have changed over.
In addition with that, you have a lot of executive orders
that came out early within the administration,
which did put a lot of focus on the financial markets
and looking at them.
One particular executive order came out in February
was having the Department of Treasury
take a look at the financial markets.
And Department of Treasury decided that rather
than doing one report,
they're going to do four separate reports.
So it's very important for us to understand,
if they're going to be looking at capital markets,
if they're looking at fin tech, if they're looking at reg tech,
what roles do FINRA play in those particular markets,
and how can we be a resource or helpful?
But yes, there's been a lot of activity with the agencies,
and I think they're just starting to get
their feet under themselves,
so they're going to get real active
probably in the next few months.
-You mentioned several times now technology, crypto currency.
These things that didn't exist 10 years ago.
You're not a technology.
I'm not, either.
How much preparation, how much reading do you
have to do on these topics
in order to talk about them in an informed way
towards members of Congress, state, federal regulators?
-That's absolutely a great question.
Office of Government Affairs is not the technology gurus
or gurus of a lot of the information here.
What's really important is we work
with all of the different units across FINRA.
For example, when we did the OATS demonstration,
it wasn't the Office of Government Affairs.
It was all of our great officials over
in market regulation that did that.
When we're talking about fin tech or reg tech, it's not us.
It's emerging regulatory initiatives that are coming out.
They're talking about those issues.
So we do a lot of reading,
but we also pull in all of our great folk
from across the organization
and make sure that we're getting them before the right people.
We're gonna bring them to the Department of Treasury
to talk about the capital markets or fin tech or reg tech.
We're gonna bring them into Capitol Hill
to do the OATS demonstration among other things.
-To that point, how much of your time
is spent relationship building within FINRA?
You know, meeting with people,
getting the background on issues?
-Oh, a tremendous amount of time.
I think that has been one of our key hallmarks
is trying to reach out
and making sure we build those contacts,
making sure that our policymakers
within the organization
really understand what's going on.
So we develop mailing lists internally,
so as soon as we have events
or news that's happening up on the Hill or in the agency,
we can send it out to people.
In addition, when we get calls from the Hill saying,
"I really don't understand
what happens with this trading order,"
we can bring the experts in from Office of General Counsel
and Market Regulation up to them and really explain it in detail.
-Well, Greg, we're gonna round third base here
and start closing things out
with a few more getting-to-know-Greg questions.
-Okay. -First of all,
what do you most enjoy about what you do?
-I think it's the relationship building.
I think it really is knowing, at the end of the day,
we are building relationships.
Our core mission is investor protection and market integrity.
And it really is highlighting that
and making sure that we can --
what we learn, we can share with other people,
as well as if there's things that we can do better.
I wish to share that with everybody else.
But it really is getting to know the people
and the interaction there
that has proven to be a lot of fun.
-I would imagine over the years, Greg,
you've had some interesting interactions
and some amusing stories.
Any that you want to share with us today?
-I think one of the ones that just happened recently is,
part of our Hill visits --
we'd take Robert up to meet with our oversight committees.
And on a recent meeting, we had a schedule
with Senator Mark Warner from Virginia,
who is the ranking member of our oversight subcommittee
on the Senate Banking Committee.
And we were going in to meet with him,
and Senator Warner has worked with FINRA over the years.
But as soon as we walked in the door, Senator Warner said,
"It's nice to see you, Robert, however,
Minority Leader Chuck Schumer
just called me for a meeting at the Capitol,
and I've gotta run, so come with me."
So, off we were dashing down the hall, down the elevators,
and we even took a ride on the Senate subway
that the members use to go from the Senate office buildings
over to the Senate floor.
And it literally turned into the elevator pitch.
So, we had about five minutes with Senator Warner,
but Robert did an excellent job
of just trying to get everything done.
But in that atmosphere, we're in the elevator,
we're in the subway, we're in the elevator again.
It was just a lot of fun to see that,
and anything can happen at a moment's notice.
-You mentioned subways, so you're going to Capitol Hill.
Do you get there by metro, taxi, or ride share?
-Okay.
I usually use the metro if I'm gonna go to the Senate
because it's my old stomping grounds.
It's easy to get off at Union Station.
The House is a little bit more difficult to get to.
So, I'll probably use ride share or taxi.
Especially some of the House office buildings
are a little far off campus up there.
But I try to use metro as much as possible.
-I imagine someone in your position
watches a fair amount of CSPAN.
Do you do it for work, pleasure, or both?
-Oh.
Yeah, I do watch CSPAN.
[ Laughs ] Yeah, it happens.
I still follow when there's bills moving on the floor.
Last year, there was talk about the reconciliation,
which is quite an obscure Senate and House term.
But I used to work on "the reconciliation"
and budget bills.
And so I followed as the amendments were moving on,
so, yeah, you got me there.
-Finally, you wake up in the morning,
you want to know what's happened while you were asleep.
Do you turn on your television, turn on the radio,
or check your smartphone?
-I do two things.
One, as soon as I get up, I check the smartphone
to make sure there's nothing blowing up.
Make a big pot of coffee, and then sit down at my computer
and just read all the newspapers online.
So, just trying to get ahead of the curve
before I head into the office.
But it's also fun.
-Very important to stay informed, indeed.
-And caffeinated.
-And caffeinated, absolutely.
Well, Greg, thank you so much
for spending some time with us here today.
-Thank you, Eric, for having me here.
-That closes out another episode of "FINRA Unscripted."
From Washington, DC, I'm Eric Szaal.
Thanks for listening.
-------------------------------------------
A 1967 Ford Falcon Rebuilt for Fanshawe's 50th Anniversary - Duration: 3:11.
{Logo: Fanshawe 50}
There is a lot of history to this car in this area. First ones rolled off of the
St. Thomas line. The vehicle is the same age as the college, it is the mascot of the
college. It was built locally .We picked this car up, we got an Arizona car which
was the body was just beautiful,flawless. It's a good foundation, the car was solid,
this will be a great build. We had done a bunch of metalwork and fabrication work
to restore any holes or any of the structure of the body that needed to be
remade. We went ahead and bought a crate engine, a three zero two boss engine. All new fuel
injection components, computerized controlled, Mustang two front suspension, four
link suspension in the rear. The transmission was rebuilt here in-house.
It's not just nuts and bolts, it's thinking, it's basically engineering. It's
a high level skill set and it takes a ton of dedication and a ton of time.
It was hours and hours and hours of sanding. There is sanding the epoxy primer,
there's sanding bondo, grinding metal, sanding primer, sanding it for prep.
Priming it again, sanding it again, dust everywhere. And you got to get it ready
and you got to get it right. I work at a Honda dealership so working on something
like, a, you know, an old muscle car like the Falcon was a unique opportunity for
me. I don't get to do that very much at work, and I don't really have the
finances to do it on my own, so this is a really fun project to do. But it is the
one reason why I joined this trade right, is to work on you know making modifying
vehicles and all that stuff so it's something I really enjoy doing. We've
got lots of challenges. At the end of the day everyone kind of has to come down and do
just one procedure. We're under the wire, we are on a deadline,
we need to get it done. We were here until five in the morning one night. I think
the paint probably is the most sensitive portion of it. A thousand things can go
wrong in the paint booth. It's not my first time painting something. Close to
the panel, move as fast as you can. It was shiny, it looked good, no runs.
A little one but let's not talk about that. It was a ton of work. {Yawning} They did a
phenomenal job. It is going to show what we can do. Let's get er fired up and
ready to rock.
{Video of dark automotive shop, sound of metal, compressors humming}
{Sound of metal. Video of red car behind garage door. Garage door begins to open.
{Sound: "Five, four, three, two, one." Video: close ups of car lights, ignition and shifter firing up.}
{Voice: "Zero. Ignition." Video of door going up, headlights on car"
{Voice: "Lift off"} {Music begins} {Video of car revving and driving away out of garage}
{Video and sound of car revving, driving down road}
{Sound of metal. VIdeo of car on display in front of automotive building, flashing lights}
{Logo : Fanshawe 50}
{Credits roll: "Thank you to our generous industry sponsors. 3M Canada Auto Parts Centres - APC, Autoworks International, BASF Canada Inc. Converter Man}
{Credits roll: Corey Auto Wreckers, DNR Industries, Downtown Auto Glass, Fox's Auto Sound, Grote}
{Credits roll: Murray's Transmission Centre, Performance Unlimited , Rudy Held Performance ,Trillium Automotible Dealers Association (TADA), Westex Coatings, Wortley Road Auto Care Inc}
{Credit roll:The Ford Falcon project was accomplished by faculty, staff and students from: School of Transportation Technology and Apprenticeship: Auto Body Repair Techniques program}
{Credit roll: Automotive Service Technician apprenticeship program. Motive Power Technician programs. School of Applied Science and Technology: Electro-Mechanical programs}
{Credit roll: St. Thomas/Elgin Regional Campus, Machining Club, Fanshawe College Alumni Association, Fanshawe Student Union, The Outback Shack}
-------------------------------------------
New Grocery Store Chain Lets You Buy Health Food For The Price - Duration: 1:51.
New Grocery Store Chain Lets You Buy Health Food For The Price Of Fast-Food
By Rob Hoffman
Imagine Whole Foods at dollar-store prices�a new company called Daily Table is shifting
the power back to people of lower income, so they too have the option of eating right.
This has long been the frustration of healthy food � that for some reason eating properly
is saved for a wealthier segment of society. This isn�t the way it needs to be. With
over 30 per cent of the national food supply wasted in the U.S., there is plenty to go
around at affordable prices. This was the realization of Doug Rauch, former president
of Trader Joe�s, when he founded Daily Table. The first store opened in Dorchester, Boston
on June 4, 2015 and as the very first line of Time�s article reads in large bold text,
�Tons of items are under $1.�
Doug Rauch, former president of Trader Joe�s has founded a new low-cost health food store
called Daily Table. The first store opened in Boston on June 4, 2015.
�The answer here isn�t a full stomach, the answer has to be a healthy meal,� Rauch
tells Fast Coexist. �When 49 million Americans aren�t able to eat properly, and because
of it their health suffers�and they get obesity, heart disease, diabetes, in their
teenage and young adult years�this is going to be a health care cost tsunami that hits
all of us.�
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BTS Talks About Concept For Their Next Album - Duration: 4:09.
BTS Talks About Concept For Their Next Album
With fans eagerly awaiting the second installment of their series, BTS has offered some insight into the concept behind their next album.
Although Suga warned that the album was still very much in the planning stages, he revealed that the members had been focusing on one potential concept in particular.
Soompi. Display. News. English.
300x250. BTF Soompi. Mobile. English.
300x250. ATF.
So far, we only have a broad idea [of our concept], so were not at the stage where we can say for sure, he said.
But the concept that we discussed amongst ourselves while we were on tour last year was happiness.
What is happiness, exactly, and what do we need to do in order to become happy?.
I believe that its impossible to achieve happiness simply by trying to be happy, he went on, but I also think that we should still make an effort to become happier.
Its something that we need to study and try to figure out.
Ever since I was little, I spent a lot of time thinking about what happiness really is and what you need to do to achieve it.
I dont think anyone ever teaches you that..
He added, I think that if we start the conversation, a lot of people will be interested in discussing it.
RM shared that he was personally interested in tying the idea of happiness into the Love Yourself theme that the group is currently exploring.
I was also fixated on the idea of happiness until early last year, he commented.
However, during a recent trip to Japan, I read a newspaper column that said that humans can never attain the happiness that they desire.
It said that once we reach one goal, we end up developing a yearning for something else..
RM said that the article had resonated with him because it mirrored his personal experience.
We also thought that if we won first place, we would be happy, he recalled.
But then theres always another goal to strive for..
So rather than just happiness, Id like to search for a conclusion to our current theme of Love Yourself, he said.
My dream is not to win first place on the Billboard chart, but instead to love myself properly.
I want to take a step towards finding a way to love myself more..
The BTS leader also hinted that their next album may have a darker vibe than their last.
I think theres a lot to be said on the subject [of loving yourself], he remarked, including explorations of darkness and loneliness..
Source ().
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Recipes for face glow at home - Duration: 12:13.
Recipes for face glow at home
Facial bleaching refers to people's use of homemade, cosmetic or dermatological products to remove dirt and marks on the skin and to lighten the complexion.
Facial bleaching dilutes the concentrated melanin in the skin and helps in whitening the skin.
It helps in removing dark spots caused by blemishes, aging, diseases, hormonal changes and exposure to the sun.
Facial bleaching is most popularly known to the beauty lovers.
What is facial bleach? Why we need the facial bleach? Is there any natural bleach? Try to give the answer for all the questions.Face bleaching is the process of removing the dirt, stains, marks on the face and skin with oxidation.
Facial bleaching removes dirt and marks on the skin and lightens the skin tone.
The facial bleaching dilutes the concentration of the melanin in the skin and helps for the skin whitening.Facial bleach whitens the skin tones and repairs the uneven skin tone and makes the skin in perfect tone.
The skin complexion reduces by decreasing the melanin content in the skin.
Oatmeal and olive oil.
Best homemade bleach recipes for face.
If your fitness freak, then the way to your beauty secret, face bleaching, is going to be easy.
Just take two tablespoons of oatmeal and one tablespoon of olive oil and yoghurt.
Mix the two ingredients and make a paste out of it.
Then add few drops of lemon juice and apply it to your face in circular motion and then wash it off with lukewarm water.
Tamarind, lemon juice and honey.
This is an instant fairness bleaching remedy.
Boil 20-30 gms of tamarind in water for about 30 minutes and extract the pulp.
Then add some lemon juice and honey to the tamarind.
Apply the pack on your face and you will be able to see the difference in few washes.
Banana and tomato bleach.
If you are allergic to some of the most chemical reactions to parlour-bleach treatment.
Then, you can apply the banana and tomato mixture.
Take a banana and mix it well with the tomato pulp.
Then, apply the mask on your face and keep it for 20 minutes, Try this for at least twice a month and then you will find instant glow on your face.
Herbal seeds, papaya seeds, pineapple and lemon peels.
Extract the seeds of papaya and dry some lemon peels in the sun and grind these ingredients well and make a fine powder of it.
Next, add some pineapple pulp to jolt up your skin and this mixture will surely act as your instant face glow pack.
Apple juice, carrot juice, orange juice, lemon juice and honey mix.
Take a bowl and add orange juice, carrot, juice, apple juice and lemon juice well.
Mix all the ingredients and then add some honey to it.
Apply the mixture on your face and let it stay few minutes and then wash it with lukewarm water.
Lemon, honey, bengal gram, turmeric and almonds.
Take a bowl and add some honey and lemon juice.
Then, in a grinder add some Bengal gram, almonds and turmeric.
Grind the ingredients and mix them with the constituents in the bowl.
Make a paste of it and apply it on your face.
Keep it until it dries up completely and washes it off with cold water.
Milk cream and lemon bleach treatment.
Elbow and knee bleaching at home.
It is the easiest and effective way to attain a glowing skin.
To make this mask, mix 2 spoons of fresh milk with lemon juice with a pinch of turmeric powder.
Apply it on your face for a smoother and glowing skin; keep for at least 15-20 minutes and rinse it off with cold water.
This will help penetrate deep within the epidermis to regenerate the skin cells, remove the dead skin cells and replenish the skin inside out.
Lemon is a great agent of Vitamin C and the antioxidants further moisturizes and hydrates the skin leaving it to feel smooth and supple like never before.
Milk cream exfoliates your skin deeply and adds a rich layer of nourishment to feed your face with essential nutrients especially when sun hits your sun directly during the scorching summer heat.
Yogurt with turmeric and gram flour.
You can add yogurt with a pinch of turmeric with gram flour.
Mix it well and apply it on your skin.
You can not only apply it on your face but also on your legs, arms and more.
It helps you get the glowing skin with a smooth and moisturizing skin.
Yogurt is a natural bleaching agent with the goodness of antioxidants, antibacterial properties.
The consistent and thick paste of these quintessential ingredients will naturally uplift the essence of your skin and exude that glowing radiance effortlessly.
So, head to that long awaited party with a gorgeous glowing skin using this secret hack.
Barley flour and milk bleach.
Barley is good for the skin.
It helps you to eliminate the dead skin and enhances your complexion.
Take one tablespoon of milk and mix it well with barley flour.
The more you mix the better is the froth formed and as a result, it gives a better effect on your skin.
After making the mixture; massage it over your skin and then leave it for 15 minutes.
Wash it off with lukewarm water.
If you have oily skin, you could replace it milk with curd.
It will help your skin to stay moisturized.
COD liver oil capsules.
It might be the stage to see it but it is really true.
You can use the oil which is found in the liver oil capsules to help to get that glowing skin.
Prick open the capsule and extract the oil collect from it.
Apply it on your skin and rinse it with water after 20 minutes.
You can find visible differences if done on a daily basis.
Your skin becomes softer and finds that exotic glow.
It is said that fish liver cod oil produces several vital nutrients that are required to add a finesse and enhance the beauty from within.
The protein-enriched cod liver oil forms a protective layer around the skin and therefore, restrict the free radicals to attack your sensitive or combination skin.
Strawberry with milk.
Gorge on the goodness of strawberry and milk to layer your face with the aromatic hues of this paste.
Take a handful of fresh picked strawberries and grind them with full cream milk to form a paste.
Now, apply this consistent paste on your skin evenly all throughout and unfold the magic.
You will be surprised to find your skin gleaming with spark after you repeat this process 2-3 times a week.
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Helpful Items For Long Distance Travel - Duration: 4:44.
For more infomation >> Helpful Items For Long Distance Travel - Duration: 4:44. -------------------------------------------
Meet the Dentist: Dr. Ben Sutter, DMD, FAGD, FICCMO, LVIF | For Beautiful Smiles - Duration: 1:56.
Ben Sutter: I knew I wanted to help people.
I love the artistic side of it, and the type of dentistry that we do in this office, whether
it's cosmetic or the TMD, whether you're giving somebody their confidence back and their smile,
or you're taking somebody out of pain, the reward that you have and the sense of accomplishment,
it's unparalleled.
My name is Ben Sutter.
I'm a general dentist in Eugene, Oregon.
While I was at Columbia, I was deciding whether I was going to do a PhD or go into medical
school.
My wife was a dental assistant at the time, and decided, well, you know have you ever
really given dental school even a thought?
And at that time, I kind of shadowed her dentist, and he did some pretty amazing things, and
so I was hooked.
I did my undergrad in Las Vegas at UNLV.
Did my training in Rutgers University in New Jersey, and did a hospital based general practice
residency in addition to that.
I put a lot of emphasis on continuing education, and lifelong learning, because there's a lot
of things that I used to, I don't do anymore.
And as a result of that, there are things that I bring to dentistry that not a lot of
people do.
One of the interesting things about that is you're able to, I think, serve your patients
better.
In addition to the practice, I do lecture.
The office is known for doing certain treatments, and so doctors often say, hey, you know, why
don't you come to our town and give a course.
It's taken me all over the U.S., and even to a couple of different countries.
So when I'm not working, I enjoy spending time with my family.
My daughter, who's 11, and she keeps me on my toes quite a bit, and I live in Oregon,
so I like the outdoors.
I like going to the coast.
I like hiking, that kind of thing.
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Massive Frontend for LaunchBox - Duration: 4:18.
Based on Unity3D and LaunchBox
on start it load in all 3d models and textures
fancy theme intro :P
3d models for "all" platforms instead of flat images.... actually everything is 3D :P
no 3d model for scummvm found :(
the current platform is "super nintendo"...
hit enter... and BAM games view
each platform has it's own customizable theme file to support diffrent "boxes" and viewstyles (currently 1 :P)
yes, it's a fully 3d box... i suck at modelling so... yeah it'll have to do for now
check the details!
here is a bit of the current folder structure etc.
lets start it to see how it looks in fullscreen
please ignore the graphical errors like the videoplayer not covering the whole window ;)
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Psychic Protection Alternatives For Empaths - Duration: 2:43.
Psychic Protection Alternatives For Empaths
by Conscious Reminder
Empaths are spiritually linked to the cosmic realm and are deeply sensitive beings, making
them really special to us for their guidance and vision.
However empaths are at a risk from psychic energy attacks, from those that want to harm
them and also by those who might possess negative energy.
In order to protect themselves, empaths need to do the following:
Connect With Yourself By nature, empaths are far more in touch with
others� emotions than their own.
To protect themselves from harm, empaths should first feel one with their own emotions and
energies.
They should keep a track of the energy they release in the world and the ones they need
to get rid of.
Be healthy and calm It�s important for an empath to stay mentally
and physically healthy to protect themselves.
A balanced diet and checking up on the energy expense will do them good.
Also they may feel more at ease in the spiritual realm but keep your home in order to feel
calm.
Take care of your energies Stay away from those who harbor negative energies,
also called �energy vampires�.
They only care about themselves and suck out energy from others.
Empaths must realize that although they feel the emotions of all, it is not their duty
to satisfy them.
Clean your living space It is extremely important to keep the living
space clean from all negativity and malicious energies that empaths encounter daily.
Aromatherapy and crystal cleaning are effective ways to get rid of negative energies from
places you spend most time in.
Sage and salts work wonderfully to cleanse the atmosphere of the home and make it healthy.
Most importantly, empaths or not, everyone should apply these techniques to protect their
families and households from negative energy.
The home is where we spend most of our time, raise our children and rest in.
It�s crucial to keep that space healthy.
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