Island and AJ's podcast for your Monday.
Most wonderful show is keeping up with the Joneses.
AJ Jones.
Yes sir.
Episode 269.
Woohoo!
Of keeping up with the Joneses.
A very warm welcome if you're just joining us.
My name is Alan.
My name is AJ.
And we usually start with a weekly catch up.
We do.
Weekly catch up?
Not sure how much happened this week.
We went to work.
You spoke.
I spoke and I don't remember the last time I spoke on a Sunday morning, but I haven't
built up speaking stamina.
Yes.
And I probably had a speaking hangover most of Monday and Tuesday.
And what I mean by that is I think I was so excited to come and speak.
And I was so excited to share what I felt the Holy Spirit put on my heart.
I was so excited to just, yeah, to be with people and teach that I don't think I allocated
any time or energy for after I spoke.
And then I probably had a adrenaline fatigue because I remember after second
service, getting off the stage, you were seeing.
So you were wrapping up.
And as soon as my bum hit the seat while you were wrapping up, it was like
somebody unplugged me and I was like, yeah, I'm done.
I need to get out of here right this instant because I'm so frazzled and so
drained.
And I wasn't prepared for that.
So I'm trying to be better gauging my energy for this week.
And it's funny because it's not like we don't speak a lot, but it's mostly on the school and that's different like it.
Holy different rhythm.
It it it. I mean, by the end of Tuesday, you're exhausted and you've certainly spoken for more hours, but there's something about Sunday mornings.
Well, there's also like on the school, there's a rhythm.
Yeah.
There's an eruption.
There's pause.
There's questions.
There's a relationship that's been growing and growing and growing.
Whereas on Sunday morning, especially I was teaching on money.
And so a topic like that, you're already, you've got your work cut out for you.
Yes.
Because people, everybody's going to come with their preconceived ideas.
Everyone's got something.
Yep.
And I think part of the part, I'm going to talk about this on Sunday when I speak,
but part of the problem, especially for me as a teacher, is I never like unresolved ideas.
Yes.
So for example, with something as large and as potentially controversial as money,
You can say something that's true, but there probably needs to be about 92
asterisks with what you're saying.
Right.
In this context of this time, yes, I'm aware that this Bible verse says this, but this
verse says this and considered this context.
Yes.
And you don't have time to do that.
And I'm not anymore.
So I leave a statement out and sometimes I'll do that so that people will ponder it.
Or it's a, you know, it's a sledgehammer of a thought.
Well, you did assign pondering homework.
I did assign homework.
What can we get into our main topic?
But the reason I love assigning homework is I was actually I was meeting with Jeff earlier this weekend
We were just I'm sorry earlier today
And I was talking to him about I went to school to be a teacher. Yeah, and one of the things I learned is
kind of sad, but the methodology that most
Preachers in America used today is actually the least effective form of teaching. Oh, so
you know
me standing at the front and speaking at people for 20 to 40 minutes is a really inefficient way of communicating.
Yes.
And retention and stuff like that is lower.
Oh, so that's for retention.
And actually for transformation.
Sure.
So there's got to be better ways and there are better ways, but they're very hard to do on mass.
Yes.
But that's why I gave people homework to do because hopefully people will think about it,
be engaged with it all week and process it and work it through.
- And have questions and yeah,
there's something beautiful about that.
- How are you not freezing to death?
I'm wearing four layers, literally four,
and I am so cold.
- And I am barefoot.
- I, well, I have skinny socks on.
- Yeah, but you, I don't know, I feel great right now.
- Oh, it's so cold.
- As previously profs signed in previous episode,
you will hear a jic and something that's cold.
(laughing)
- I'm so sorry.
- I'm revising till about me.
- I'm gripping my hands under the table like,
- My nose, I can't feel my nose anymore.
- I thought that was hungover Monday and Tuesday.
- Yeah.
- You, all the students taught this week.
- Well, I think hungover is a really bad way of putting it.
- Okay.
- Because people are not gonna.
- The reason I say hungover is people go out and drink
and have a great time and then it comes at a cost
the next two days.
- Yeah.
- I had a great time teaching and then it came
at a cost the next two days.
- Yeah, it's kind of the lag, like the jet lag.
- It's, yeah, it's, yeah, it's, yeah.
- Yeah, but yeah, let's say teaching lag, right?
And I was like, whoa.
And part of that is just out of practice.
If you're used to running and then stop running
and then go for a run, you don't have the same legs
as when you did it.
Anyway, I think you get the point.
I don't even get any more analogies.
- And then--
- Our students were teaching.
- Yeah, our students taught this week.
- I didn't get to sit in this year.
How did they do it?
- They did a wonderful job.
Very, very, very impressive.
- Yeah, I heard great things from the staff too.
Well done students were teaching that.
- Yeah.
- The rest of the week's a blur, I'll be honest with you.
And you're right, we're not like fully through the week.
No, we're not.
So we still have things to do.
You painted a room or yes, I started painting Abby's room.
What was the look?
Cause I went, yes.
No, no, I was pondering.
It's chalkboard paint.
So she wants two of her walls done with chalkboard paint.
We're trying to be a graffiti artist.
Well, the thing is she is an artist.
She draws non-stop all the time.
She's very, very good at it.
And so it made sense to me when she was like,
I want a chalkboard wall so that I can draw my characters
that I make on it and make massive cartoons
and all that kind of stuff.
And I was like, yes, I get it.
So the tricky bit with it is because it's chalkboard paint
and you want it to be really smooth,
you have to put it on with foam rollers
because if you have a nap,
then it's too bumpy.
But that also means that it's taking like four or five coats.
Ever.
Yeah, to layer it on there and have it smooth
and have it with no nap.
And it's also black and black is hard color
to paint with anyway.
Yeah, and Abby was like, can I do it?

And I love painting and have a lot of experience with it.

So I was like, babe, I think I'll paint it.
Yeah.
Yeah, we're good.
So, but she'll get to draw on it.
So that's about it.
That's it.
That's our week.
That's our week.
We have had tacos twice this week.
That's all that really matters.
Well, when you say tacos, what we're actually saying is fajitas.
We're not having ground beef tacos.
That's what most people think of.
I don't know.
When does a taco become a fajita?
When you're using steak or chicken instead of ground beef or ground meat.
But what happens when I have cannella sadder tacos?
That is not ground beef.
Well, that's true. I don't know.
Or tacos.
Or fajitas, because we have them with onions and peppers that are sauteed along with it.
Can I have tacos with onions and peppers?
No, that's when it becomes a fajita.
We need somebody with authority to speak on this.
Well, this is a very scary.
Because I'm not sure Canadian and Scotsmen can lend much way or credibility.
Yes, we call all of them tacos, but we had, I think, those are fajitas.
But yes.
I kind of want to boast on the sous vide.
So for those of you don't know, a sous vide is so wonderful.

It's got a heating element that plugs into an electrical outlet,
and you stick in a cup of water, which sounds terrible, not a cup, a bowl of water.
And then you vacuum seal whatever you're going to cook, and you put it in, and typically
cooks at a very low temperature for a long time.
And it comes out fully cooked, but looks disgusting, because it hasn't been seared to
- It looks great, some version of gray.
- But if you're patient.
- And you just sear it.
- Oh.
- If your patient is probably the best chicken I've ever had,
the best salmon I've ever had,
the best steak I've ever had.
- So good.
- Oh.
- You just have to think ahead
because it needs to be in the sous vide for a couple of hours.
- So this flank steak,
which would normally take about eight minutes on the grill,
four minutes aside or six minutes, one side,
two minutes on the other,
took two and a half hours to cook.
I'll be it from frozen, don't you?
- Yes, and we're defrosting a brisket right now.
- The first in brisket that's gonna go in for 50 hours.
(laughing)
- I'm so excited about that.
- And then you finish it on the grill,
but the, ah, just the,
the texture of the meat is unbelievable.
- It really is.
We love meat in case you haven't figured that out.
- And then you found me some great fermented cheese.
- I did.
- Which I had on my tacos.
- And it is good.
You do like it?
- Oh, it's really good.
- It's excellent.
I had it for breakfast this morning.
- I know.
(laughing)
- I'm sitting on the couch
And I see Alan walk by with a spoon and it's from Costco.
It's basically a bucket of cheese.
And I was like, I'm sorry, hang on a second.

And he goes, no, I have crackers.
But of course there's no crackers in his hand or anything.
Yeah.
So I don't know.
What's that?
Eight thirty in the morning?
I'm smearing.
I'm on my keyboard eating crackers and pimento cheese.
Yeah.
Not bad.
I'm starting the day.
Let me tell you.
I'm just not a pimento cheese fan.
Well, it's probably your only flaw, if I'm honest.
Okay.
Well, I have to have one. Otherwise, you know, I'm just all right.
Take me home, baby. We're talking about main topic.
You're taking me home. I took you home last week.
We started to use some for something.
I didn't do you know, my sweet.
But I came up with the topic and everything
blushing a little bit.
And now it's your turn. This is this is your show.
No, no, no, I'll be honest with you, everybody.
I know it's been a week where we haven't said we've done much, but it's also been a very busy week.
It's been a lot of stuff.
Super busy.
Yeah.
And I don't think I'm being lazy.
I'm kind of being lazy.
I remember being a school teacher, and I remember the person who taught me how to teach Dr.
Tom Conlin.
He came and reviewed me.
He was my reviewer as I was being certified to teach.
And I think he reviewed me three times, and he took me science at
down, you did a great job. I've now watched you teach three times, you've done a great
job. Here's my worry. What you're doing is unsustainable. And I said, what do you mean?
He said the level of teaching that you're doing is unsustainable for life. Sometimes
the kids need fish and chips as well as champagne and caviar. Yeah. And what I'm trying to say
is tonight is not going to be a champagne and caviar. That's okay. I don't like either
champagne or caviar. Really?
- How are you trying to champagne?
Can I have your, I don't think I've ever had caviar.
- I have, it's okay.
- But have your just like roll
that they put on top of the sushi?
- No, I mean, I suppose that could be
in the same category, no, it doesn't take like--
- Try with some fermented cheese,
it'll probably be perfect.
My point is like normally we like to come
and we think about what we're gonna talk about
and I was just like, baby, my week is just jam packed.
I think what I'd like to do is unpack a little bit
about what I was talking about on Sunday.
Part of that is maybe laziness, but part of it,
it's like it's a readily available, it's fish and chips.
And I'm gonna get used to all the works
and I'm just gonna ask you some questions.
Plus I've got some great listeners questions
all about finding father.
So we'll get to those in a second.
So I started a four week series all about money.
- And blessing. - And blessing.
And you know, what do we do with that?
And on Sunday last week, I was introducing
the concept of blessing and really identifying
our relationship with my David Wagner is a dear friend being on the podcast many times.
Kim profs at our church and he gave us that verse Sam 61 verse 11, I want to say.
It says, "You crown the year with your bounty and your carts are overflowing with abundance."
I think that's what it says.
Let me just kind of quickly look up because I don't want to...
Okay, look, so Sam 65 verse 11, "You crown the year with your bounty and your carts overflow
with abundance."
I don't think David knew at the time was over the Christmas break, we got a text.
We're part of the senior team of Grace Center and Jeff texted us to say, "Guys, brace yourself."
I think for the first time in Grace Center history, we received offerings in December
that totaled $1 million in one month.
Now, are average offerings or like 50,000 a month?
No, they're 50,000 a week.
Yes.
Woo!
50,000 a week.
So we've never to my knowledge had a million dollars.
So I was like, okay, that's significant.
And we'd also received a prophetic word a couple of months earlier from Bishop Joseph
Garland and his wife Barbara gave Grace and her prophetic word about four things exploding.
One of them was finances and resources.
So we're like, okay, Lord, we're beginning to see stuff happen.
What does that mean for us and how are we prepared for that?
Yeah.
How do we partner with you?
Right.
brings up this tricky thing about Christians and money.
Yes.
I remember before I ever moved to America, reading an interview with Martin Smith from
Delirious in a Christian magazine back in Scotland.
He was talking about money and he made a very, very interesting observation, which I didn't
know enough then to know if I agree with him, but now I do and I would agree with him.
He said, because obviously he did ministry in both Britain and America, he said the general
sense in Great Britain is that if you're a Christian, you have money, your character's
pretty shady.
You've done something wrong and it's a mark of probably a lack of holiness, certainly
unscrupulousness.
But in America, to have money, it's a mark of blessing.
I was like, wow, that's so interesting.
week, you know, so as well as putting out questions to our congregation, I went on social media
and I wanted to hear from our people like, what comes up when you start thinking about this? And I
actually wrote something down. I asked for permission to share. I'm going to keep it all anonymous,
but I'm not sure I asked everybody that I'm sharing. So I'm extra keeping it anonymous.
Okay. If you can do such a thing.
Extra anonymous.
Extra anonymous.
Okay.
But people said to me things like, so I asked about some of your pre-understanding. So your
pre-understanding is something you don't know that you know or you probably don't know that you
think and so when you read scripture you color what scripture saying through that lens of your
pre-understanding. So for example if you have a pre-understanding that women should not be in
ministry you pay really close attention to the verses that seem to support that lens and easily
gloss over the verses that would seem to contradict those verses. And so I was asking like what are
What are some of the pre-understandings you have about money?
And so some people wrote to me, reached out to my social media.

So it's kind of like I can see, I could probably forgot to meet my needs, but beyond that seems...
I wrestled with that. What does that mean?
They also said, "I have difficulty reconciling surrendering to God, but also having an emergency savings fund."
I can recognize that they're probably friends, but I just struggle with, "Am I actually trusting God or am I just depending on myself?"
And I was like, "I love hearing unearthing these latent struggles that are probably there, but we probably, certainly speaking from my history, we don't spend much time in that area because
It feels like we're on shaky ground.
How about this one?
I struggle with the concept of blessing.
Growing up in a religious family
kind of distorted my view of what it means to be blessed.
I was taught blessing in kind of a hyper-spiritual sense
that was completely disconnected from money
or health or relational wholeness.

Yes.
All right.
Or how about this?
I do think this is somebody else.
I do think I have some kind of deeply held belief that money is evil and dangerous.
It's possibly why I tend to give away or spend it as fast as possible instead of saving.
Wow.
So I thought it would be interesting to explore our history with money and then maybe ask
our listeners what's coming up for them as they listen.
So you and I grew up in very different backgrounds.
Yes.
My difficulties, whatever you grew up with is normal.
So probably your normal was--
Yeah, I thought we lived in a normal neighborhood.
You thought you lived in a normal neighborhood?
I grew up in what I thought was a normal Scottish neighborhood.
You know, mom, dad.
Yeah.
Three sisters?
Yes, I--
Yes, you still have three.
Yeah.
My dad worked.
My mom did not work.
I didn't think we were poor, but I knew we weren't rich.
Yes.
And instantly we're in trouble.
'Cause how do you define poor and how do you define rich?
Right.
'Cause I knew people who are richer than me.
Sure.
And I knew people who are poorer than me.
Yeah.
But we were neither one of them.
Yeah.
But my family certainly didn't do abundance.
For example, this true story, family story
that we'd all laugh about is we're in Switzerland,
which sounds glamorous, but my father speaking at a conference
and getting to Switzerland on a budget is not glamorous at all.
We're in a rented Fier uno driving through the south and we get to
Chamonix and there's Mont Blanc and we take the cable car up and we get to the top.
And of course, it's the tallest mountain in Europe.
We're freezing the snow everywhere and my mum sees a cafe and so my mum goes up
and she asks for five hot chocolates.
Right, and then she realizes the price of them and she says one hot chocolate five straws.
Two story two story.
Now, in one sense, like what I was raised with, that's commendable.
That's been a good steward.
And also I understand was like, I've like, we've got a family of five.
Yeah, it's expensive.
So I get that too.
Yeah.
But my mom would also bring snacks on the road, which again, I understand.
But she would bring fun size.
And it wasn't that we'd each get like a fun-sized Mars bar.
We'd get one fun-sized Mars bar split and share.
Like, I do remember going places with your mom when they would give you like free
biscuits on the table or whatever.
And if she really liked the biscuits, she would wrap it up in an napkin so that
she could save them late for later.
My whole life when we would go to.
And she would eat them later.
When we'd be in hotels on the buffet, my mom would coach us to take stuff and
I'm an African and put it in her handbag for later.
Now, depending on your viewpoint, that's really like frugal and responsible.
Or it's an absolute poverty mentality.
But then also growing up, like I'm trying to think about what my mom grew up with.
Like her dad was in the mines at age 14.
Sure. Her mom was a nurse.
Yeah.
And I so like already you can feel me tensing, like trying to justify my mother's behavior.
normalize my childhood, but also recognize that such strange behavior for how we live now.
 That was our outlook.
What did you grow up with a completely different family environment? Describe your family from a
relationship with money. A financial perspective.
Yes.
I mean, I don't ever remember thinking that we were wealthy.
And yet, we were wealthy.
I mean, we lived in a really wealthy neighborhood.
How do you describe your neighborhood in your testimony?
Oh, well, people would drive through our neighborhood on Sundays and look at the
houses, which is so funny because we've been those people that have gone
and driven through nice neighborhoods to look houses.
Yeah.
But that's what people would do.
Yeah.
They'd stop in the middle of our houses.
And yeah.

- How many square feet?
- Oh, our house was 8,600 square feet.
- Right.
- So, that's a big house.
- That's a big house.

- So it was a normal for you.
- Yeah, I thought we lived in a normal neighborhood.
I obviously don't remember ever worrying about money.
But you had a governess and a maid growing up.
Well, I mean, when we had a governess,
the governess really did the mating as well,
if that makes sense.
Oh yeah, well, I mean,
but then when we stopped having a governess week
for a while had, yeah, made the human.
Yeah, and you had a pool growing up?
Yes.
Yeah, but I don't remember,
like I obviously was never afraid we weren't gonna.
Yeah, and your father was a prominent architect in Toronto.
He's well known.
Like when we go to Toronto today,
we can identify the buildings that he built.
This guy's a great person.
- But I remember my mom saying there were seasons
where she had a teacher's salary,
where their teacher's salary was actually
what was buying us food and things like that
because architects work on contract
and so sometimes there's a few months in between.
And my dad had 26 draftsmen that worked for him.
So he had a pretty big, anyway, yeah.
I mean, I don't ever remember even having to think about
money, we certainly didn't share hot chocolate
with straws or something like that.
But then, you know, yeah, I don't remember,
other than at Christmas, my parents would obviously spend
a lot of money.
I don't remember there being excessive amounts
of things around either.
Does that make sense?
- Yes, but you also grew up in a not a Christian environment.
- No.
- So I'm curious about you get saved.
- Yes.
- Like I don't ever remember ever,
to try to get them if that's true.
I don't think I ever remember any messages on money.
I don't remember a message on money.
I don't even remember them teaching me on tithing growing up.
I remember by osmosis somehow learning about tithing.
Maybe my parents told me about tithing,
but I don't ever remember money being
addressed as a matter worthy of teaching.
I mean, I'm adding a value statement to that.
I just don't recall ever being heard
having teaching on Toronto, teaching on money until I got to Toronto.
Yes, I didn't either.
So, but I arrived.
But I didn't get saved until I was 15.
Okay.
And I probably didn't hear anybody even talk about, "Yeah, money or tithing or anything like
that until I started going to TACF."
So years later.
So now you're saved.
Now you're working.
What was the general vibe around money?

Right. So automatically you knew that.
I knew that.
But I also most of the time my job was serving.
And I remember asking a couple of different people.
So like 10% of my paycheck or 10% of my tips.
And they're like, well, it's hard to track your tips just to your paycheck.
So I just gave 10% of my paycheck for ages.
And then it wasn't actually until, you know, I switched to TACF and somebody
had said, actually, your tips are your biggest income.
You should be giving 10% of that.
And so I was like, "All right."
You didn't mean like I was like, "Okay, start doing that then."
Which was amazing, 'cause I realized
I started getting better tips.
Yeah, I don't ever remember it.
Money wasn't a big thing one way or another.
There was no evil attached to it.
There was no awe attached to it.
It was just something that you used to pay bills
and you work hard to get so that you could pay your bills.
- Do you remember where you learn
about a healthy relationship with money spiritually?
So like you're talking about like just growing up,
it was like not a good nor bad,
but I'm curious about when did you start being introduced
to money and blessing and like a redemptive side of that?
- I'll just go back a second.
My dad was good with money.
And he always said to me, don't ever have credit cards.
Don't go into debt, pay everything cash.
If you don't have the cash to buy it,
then you can't buy it.
- Yeah.
- But he'd also tell you that about a restaurant.
If you don't have money for a tip,
you don't have money for the meal.
- Well, no, he would say,
if you don't have money to spend 20% on a tip,
then you shouldn't be eating in that restaurant.
'Cause he said, if you have good service,
20% says I had good service.

If you don't have enough to tip 20%, then don't order that.
Okay.
So you got some coaching.
Yes.
Right.
Yeah.
And then do you, so like now fast forward, do you remember how it was you started learning
about money?
I think just through like different offering talks, a church, you know, different people
saying different things about money.
That was the most radical thing I noticed about Toronto.
Yeah.
there was a lot to pay attention to.
- Yeah.
- Like one, every single service people got saved
and healed.
- Yeah.
- Like I don't remember a service I went to
when somebody didn't respond to an old call
and get saved and somebody didn't get healed.
Like there would always be an offer call.
- It was an offer call, yeah.
- There would always be ministry time for healing.
And also there would always be an offering talk.
And by an offering talk, I mean like a 10 minute
sermonette, a vignette on...
- Well, I wouldn't say they were always 10 minutes.
Sometimes they were more like five, but yeah.
I mean, that's where I started.
- Maybe going from nothing where it wasn't mentioned.
- Right.
- Like in the church I grew up in,
there was no act of offering.
There was a plate that when you would walk in,
you would put something there.
- Oh. - That was it.
There was no offering time.
- Oh, I'm pretty sure when I was,
'cause I was with those lovely Baptist for four years,
they passed a thing along.
and usually somebody would say something,
but it usually was, I don't wanna sound judgmental,
it was sort of like more felt very religiousy,
which usually turned me off of listening.
So I remember that it would go by
and I would stick whatever I had in it.
But I mean, to begin with, I was sort of like,
why are they passing this way?
And because they didn't really explain it,
it was, you know, Janet had explained to me
what was going on.
- So for you, it was the cultural norm
of being in TACF and hearing.
- Just regular little teachings, little encouragement
and testimonies, hearing people's testimonies of,
I started tithing and this is what shifted for me.
- One of the most stand out moments on that matter was,
I remember shortly before we moved from Toronto to here,
was Steve Long stood up at the start of one year
and just said, I've got this approved by the board.

So here's what I was going to do.
We're going to ask you to commit to tithing,
that the full thing, 10% of your gross salary.
And if by July in those six months,
you haven't seen a return on what you've invested,
we'll give all of your money back.
And I was like, I mean, Steve is known for being like,
- Yes, like just out there on that.
- Just the second person in the room,
let's heal you and then everybody else should be easy.
- Yeah, I love it.
- Oh yeah, like turn this, okay, now we'll do deliverance,
breaking the pairs and casting them out of each other.
- Yeah.
- And I was just like, wow, like that is amazing.
Do you remember some of your first financial miracles?
- I mean, I remember the big one when we were pregnant
with Abby.
No, we just, we'd had Abby, hadn't we?
And we had, because we were traveling full time
and all of our income came in that way.
And I already had debt before we even got married
from traveling and ministering and all that kind of stuff.
And so we couldn't work,
like we couldn't travel for about five months.
So we built up quite a lot.
- Yeah, I can certainly want to do that.
And people were calling, like credit card companies
were calling it was super stressful.
- It was horrible.
And I think, first of all,
I want to take full responsibility.
Like we want to take full responsibility.
- We made bad decisions.
- For the level of debt we're in.
But also looking back,
I realized this is not a blaming statement at all.
Let me give you the contrast.
when we moved here into Dave Ramsey's Financial Peace University, I remember thinking, "Where
was this?"
Yeah, I didn't know any of this.
I didn't know any of this.
So I think we were living the way we thought.
And part of the problem is in a lot of Christian circles, when it comes to money, faith is
spelled V-I-S-A.
Yeah.
So probably we were making a lot of decisions that we thought were faith that were actually
just reckless.
Yes.
And putting on a music card.
I think so.
I think we were just like, "Okay, God, we trust you."
And then we put it on a music card.
Right.
trust at all.
And the problem with debt is it's really innocent.
Like you can carry a lot of debt
for a really minimum monthly payment.
So you can be thousands of dollars in debt
and your minimum payment is, I don't know,
like a couple hundred bucks.
I don't know, we haven't had credit card statements in a while.
So what's crazy about that is you can live
without any of the pain of the debt you've accrued
until you can't make your minimum payments.
And then you're like, holy mover of pearl.
And we were in debt tens of thousands of dollars.
- So much money.
- And I'm feeling like an abject failure as a man,
as a husband and as a father.
And I remember one day I stopped and I calculated
because all we could pay was our minimum.
And there's sometimes when we couldn't even pay our minimum.
And I remember calculating like how long would take us
to pay off our debt if we just made minimum payments.
And it was something like 22 years.
- Oh my God.
- And I remember just being so heartbroken
and sad that I'd got us, we'd got ourselves
into this situation.
Yeah, and what are you gonna do in that situation?
- Yeah, I mean, we were so far in debt,
there was like, there was no,
it felt like there was no hope of us getting out of it.
And then we just had some friends of ours emailed us and said--
- Who that boy?
We barely knew.
Yes, that's true.
They were more acquaintances.
We were getting to know them.
- The sequence was, "Mar du Pont"
gave us a prophetic word.
- Okay.
- Do you remember this?
- No.
- When he talked about Elijah or Elisha.
Remember the woman who says,
"That prophet comes and stays with us.
We want to do something nice for him.
We want to build a house for him."
- Yes.
- When he comes and stays.
Remember that?
And so, Marq gave us a prophetic word that said,
"You're about to be connected with people of means,
and there's going to be an opportunity
where they're going to ask you,
what can we do for you?
Their prayer, their posture is gonna be,
what can we be do for them?
And the Lord wants you to know that's him,
but not to take advantage of them.
So don't live with, he called it faith without hints is dead.
Where you hint at things, if they ask you to be direct.
'Cause it's the Lord.
And so in that season of our life,
we went from knowing no millionaires.
- Yes.
- To that we were aware of at least.
- Yes.
- To, I don't know, 10, 12 millionaires in one year.
- Yeah, I thought it was eight, but anyway,
- It was a lot of millionaires.
And maybe I'm lumping in like 10, 12 over a series of years,
but within one year, yeah, we met so many.
And these people were acquaintances
that we didn't really know.
And they just asked, what can we do to help?
And I remember that word.
And I don't remember going,
"Can you pay all of our debt, please?"
But I remember just being vulnerable and saying,
"Hey, you clearly know about money.
"Here's the situation in.
"This is the best I can come up with math-wise.
Is there a smarter way of doing it?"
I think we just kind of laid bare naked financially
and just said, "This is a situation we're in."
And they never answered us.
- Yeah.
- And instead sent us a check that was,
I think for $76,000?
- Yeah, maybe a 72, somewhere in there.
Anyway, it's over 70.
- And I was just like, "Who in the right mind?"
Like, here's me thinking,
"I can't write a check that isn't gonna bounce."
It's like that that's more than $200 $76.
How?
Like I was just even,
yeah, but how is this even possible?
So, you know, we were dumbfounded.
We were just, we didn't even know what to do.
I mean, arguably that would be one of the standout moments
in terms of financial miracles.
And that's when I called them to say,
I was too scared to cash it.
Like, are you on drugs?
Is this for real?
Is this for real?

And so I call him and said, like,
how on earth do you write a check for $76,000?
And he said, well, it's really funny
because we were in the same situation as you were.
And I was like, what do you mean?
He was like, we just got notified.
We got an unexpected tax bill
for I think it was like quarter of a million dollars
that they had to pay.
And it was on some, I don't know,
some unrealized tax gain or something like that.
Anyway, the IRS had written to them and said,
"Hey, you lost $250,000."
and they were like, you know, we didn't have $250,000 liquid at the moment.
We could of course get it.
We could liquidate some assets or sell some shares.
But also we didn't think that was right, but we were like, they want that money.
They want us to pay it.
That is going to be a major inconvenience.
Slightly different.
Like they could pay it.
We could.
But they were in distress and so they went to the Lord and they just prayed and said, Lord, this seems, you know, unjust.
I don't know what to do about it.
Like, would you please help us?
Would you please resolve this?
And so, I don't know, their CFO or their accountant
reviewed everything, petitioned IRS, they reviewed the case
and what happened was they didn't owe $250,000,
they were given a rebate of something like $76,000.
And they just were like, Lord, you did it!
Like, thank you so much!

- You're so good, what should we do?
And they said, in the day that we were praying,
we got your letter and I think then the amounts match.
Something like that, I don't wanna make it too romantic,
but it was something like that and they were like,
we know exactly what to do. Yeah. And they were like, they just sent it to us. Yeah.
What do you remember what that did to you when you got that? I remember I was in the bath and
I remember I just started bawling because we were literally literally like avoiding phone calls
all the time. And I also remember that having like this moment, and this is like awful, but this
moment of like this pays off all our debt but if we tithe on it then it doesn't pay off our debt
and that means we still have a remainder of debt and if I remember correctly this was all happening
around August and so you know the temptation is like no but they gave us this and it's the perfect
for the dead and then we could be debt free.
God wants us to be debt free and whatever,
but we were like, okay, so anyway, we tithed on it,
but then the Lord also challenged us to give
on top of that, which you're way better at that than I was.
- I don't know if I'm way better than we--
- I was like inside, I was like, no!
- Well, let me pause so every catches out.
So you're saying, we've been praying for a miracle.
To be honest, I had no faith for a miracle.
Like I remember Isabelle Allen profs saying over,
"You're right, it would have been about August
because I-- - Yeah.
- She said by the end of the year,
you'll be out of, you'll be debt free.
- And I remember thinking, "I love you,
but you just totally missed it.
There's no way."
- Well, and we also nobody knew how much debt we were in.
- No, yeah. - Part shame.
- Right, right, so we were just--
- So we get this, we're like, "Day!"

No, we don't tithe on this 'cause God gave us in.
And we shouldn't have to tithe.
Consider the lunacy of that.
God just provided 76,000 and we don't want to give away 7,600 because then that will be less.
Right.
So there's that.
Then we make peace with it.
But we make peace with that.
And then the Lord's like, actually, love you to give.
I'd love you to give to others who are in the same situation.
Others that need blessing.
And that was another 10% we were like, Oh, so.
Oh, I remember that being horrible.
Hey.
And anyway, so we, we did that.
And I remember it's December.
It's, you know, the years almost done.
We're still carrying, I forget, like 16 grand worth of debt on credit cards.
And of course that's better than 76, but it was like a lot.
And wake up one morning and we have an email from another friend, different
people that say I had a dream about you last night.
And the Lord said to send you a check for $20,000.
So how do we how do we send you $27,000?

And we realized if we tie and give on $20,000, there's $16,000 left, which wiped out our debt.
So by the end of the year, we were debt free and we'd been able to give.
Yeah, tie then give.
So I'm just thinking that you're talking.
Yeah, I remember all that and just the deep sorrow of where we were,
to the utter satisfaction, gratitude, mind blown of what God has done.
Mind blown.
And I remember that, like, when you go through something like that,
like, we haven't even talked about tithing, but you can probably guess we're pro-tizers.
Yes.
But the debate of whether you do tither, you don't tithe,
can be settled intellectually, but it is reinforced in experience.
Yes.
Like you have you have a test me like that. You can't talk me out of tithing and giving.
Yeah. And yeah, yeah, the irony like when you say, oh, you're really good at that is that thing
of mammon, I believe we'll be tested for the rest of our lives where God does something and we're
like, oh, I have to tie. And you know, we'll probably talk about tithing in subsequent weeks, in future
weeks about that. But yeah, that was that was bananas and bonkers.
Yeah, I was thinking I thought of another strike as you thought have you thought you know
Mm-hmm. It always takes me a minute to come up with stories, but I remember in my first year of
Being in full-time ministry this before we ever met before we ever met and
I was living in this little cottage in the woods that had you had to buy propane heat
Or you had no heat like there is like propane cans like for barbecue
I had a big propane tank and they were coming full up that sat outside the front door.
That's in healthy.
Yeah, really safe. And so then there was this heater that would go click the click, you know, and, and heat the, uh, heat the cottage.
I should say heat the cottage and quotation marks. The heat amount of heat was questionable, but that's how you didn't freeze to death in said cottage.
Anyway, it was winter and I had come back from a ministry trip where they just
really hadn't, this church hadn't been able to essentially give me anything for having
been there or was less than what you needed.
Yeah, it didn't cover the flights or anything.
And so I came home realizing I have no propane heat and I live in Canada in the winter,
have no food.

I had a half a lemon and I had a sachet of ketchup in the fridge.
Then you're fine.
And anyway, so I came home and I thought, well, this, the lemon in the, and the ketchup were
actually about a month before this story.
Oh, I digress.
So that was, that was, but another huge blessing.
Like that was, I came home to say that I was going to, I knew I was leaving in four days
to speak in another church.
So I'd get food then.
And so I decided I was going to fast for four days because that way I wouldn't be sad about
but not having food.
And when I got to this new church,
I would get fed again.
I didn't tell any of my friends or anything.
Like I was like, no, you know,
God provides and I'm not telling anybody the truth
about what's in my fridge.
So the first day that I was home,
my friend Jenny had said,
"Hey, do you wanna go to the movies?
"We're going to whatever."
I had no money at all.
Then the next day, she's like,
do you need to borrow my car to go to the laundry mat?
'Cause I usually, when I would home,
be home, I'd borrow her car for a day
and go and do my laundry, but I had no money to do laundry.
And so I was like, oh yeah, no,
I mean, my clothes are pretty clean, you know, like just kind of,
and she was like, huh, and then she asked me
if I wanted to do something that evening,
and I was like, no, I think I'm just gonna stay home,
and she had a key to my house.
And she, anyway, so she just came over,
unlocked the door, came in, opened the fridge,
and looked at it, and then she looked at me,
and she shut the door to the fridge,
and just stormed out of my cottage, and she was mad.

And I was sort of not really knowing
what she was that mad about.
Anyway, she reappears but an hour later
with all these groceries.
And she was crying.
I mean, she was mad and crying and passionate
about the whole thing.
And she was like,
"Hey, part of being in community
"and part of being family
"as we get to help one another.
"And what is happening right now?"
And so I burst into tears and I was like,
"Well, you know."
I was like, "I paid rent, but I don't have money for food.
So I just decided it's going to fast and it's okay.
I fasted for longer than four days before and blah, blah, blah.
And she was just basically like,
that's not how being Christians, living in community works.
Like if you have a need, then you, you know,
so I learned some there about like,
I was probably pride and fear and shame and.
- Oh, so much.
- Oh, those kind of things.
But anyway, I.
- That's the propane story.
- Brought to the propane story.
I knew I was, you know, gonna run out of propane.

They'd bless you really well and other churches didn't.
And so it was sort of one of those situations.
And I ended up having to cover the flight
or part of the flight myself and ended up with nothing.
And I had no propane.
And I was literally like, my propane is gonna run out.
Like I haven't filled it.
So it's gonna be gone in a couple of days
and I'm in the winter.
Again, I'm not gonna ask anybody for help, of course.
And I'm just like, I don't know, I'm tired.
That's all I know.
Anyway, I signed into my bank,
and of course there's no money in my bank.
And the next morning, I felt like the lawyers
had just signed into your bank again,
again, all online, so signed in.
And it says there's $2,000 in my bank account.
I mean, that for me was a huge amount of money.
And a propane tank was $800.
I was like, oh my gosh, where did this $2,000 come from?
And then I'm like, no churches are owing me money.
Like I'm up to date.
I have no idea.
My family doesn't have money.
Like I have no idea where this money came from.
I call my bank person, like the, my manager person,
the bank and I was like, hey, I think there's a mistake.
I noticed there's $2,000 in my bank account.
And I think it's been put there by mistake
and I'm worried that I'm gonna spend it and then owe money.
And she was like, "Oh, no, it looks like it wasn't directly
to your name and, you know, blah, blah."
And I was like, "No, nobody owes me money.
Can you do some research?"
So she's like, "Sure, I can find out where it came from."
So she calls me back a couple of hours later
and she's like, "You know, it's really strange."
She's like, "I don't even have an address for the account.
It just says, and I can't remember the exact wording,
but it was something like the family of God
or the church of God or something."
And it was $2,000 and she said, "It's direct deposit.
If you spend it, you know, it's yours.
- Right.
- And I remember just being like,
(humming)
I can buy heat, I can pay rent, and I can buy food,
and I'm okay now for like, a month, you know.
- My question for our listeners today is,
what comes up as you hear us talk about,
sir, childhood, and our money?
What comes up for you?
What are you feeling when we talk about
the testimonies that we experienced?
Where do you find your story in the midst of us telling our story?
Where are you right now?
Like, what is your relationship with, with money, with blessing?
What do you instinctively think of?
What are you instantly suspicious of when you think about the church?
You think about the Bible and you think about money.
Play around with those ideas because for the next couple of weeks,
we're going to be exploring some of these things.
And if you would like to hear the message that I preached last Sunday,
You can go to youtube.com/gracenertv
or I'll put a link in the show notes too.
- That would be easier.
- You can follow along.
It's gonna be a four week series at Grace Center.
- And send us your comments and your questions.

- Yeah, if you've got questions about that.
Also, I'm about to launch a course all about this topic
in way more depth.
- Yes.
- And if you would like to explore your journey
with finances,
If you would like to explore what scripture says
about thine answers and blessings,
if you would like to have a different relationship
with money, then go to<EMAIL_ADDRESS>and you can pop in your email address
and I will email you as soon as the course is ready to sign up.
It's, there's gonna be nine different lessons
covering all facets of money, of blessing, of tithing,
of stewardship, of partnering with a supernatural
resources of heaven.
And I'd love you to join with me.
You'll meet with me each week
where you can live, where you can talk about questions,
ask clarifying questions, share your story.
But I'm really excited about that.
I can't wait.
Alan and Adjie.com/more.
- Yeah.
- Let me ask you some questions.
And this week, unlike last week,
I'm gonna ask the question and let you answer it.
- Okay, but I just want you to know
that both my nose and my lips are frozen at this point.
- Well, we'll see how it goes.
- Okay.
- This question is from Grace.
- Okay.
- I've got two questions, so this is question number one.
- Okay.
says, "A friend of mine gave me a copy of Finding Father." That's a good friend right
there. And I've been learning about and trying to practice soaking in God's presence. I have
an app called Dewell that is an audio Bible with background music. Can I listen to the
Bible while soaking? Or is it better to have music only? Thank you for your podcast. It's
been helpful as has the book.
Sure, you can grace you can I mean if people listen to techno while soaking techno tech. That's what it's called, right?
I'm looking at you the hip is 50 year old. I know I
Know people that spoke to all kinds of different things and I for sure you could soak to the word of God
I didn't know there was one that had
Music behind it. That's that's brilliant. Yeah, you can I would say like I
what I choose to soak to
changes usually based on my mood. If I'm very like kind of distracted and like how am I even
going to like calm myself down? Then tech now is not what you usually talk about.
No, I'm you're more of a dubstep person. Yes, that right. The dub, I will usually listen to
something like the Rivera's or Laura Woodley where they are, they are praying things and they
are singing things and that helps me focus on what they are praying and singing and it helps me
any sort of settle. If I'm already kind of in the zone, I'm usually going to actually
soak to stuff that doesn't have any words at all. But that makes me want to try to soak
into the develop is good. I had it for you. This question. Thank you. Grace for your question.
This question is from Alyssa. Will there be a guided finding father class anytime or a
book study group on it that we can pay to join? We've been talking about that. Haven't we?
we're talking about doing another one course, as you guys know, we're in this full process
of adoption. And so like, but part of me just struggles with scheduling anything, not knowing
when life will change.
And you might be thinking about Alan's running the course. Alan's comfortableness with, first
of all, speaking about himself in the third person is astonishing, but also with Jerry
rigging a video thing so I can be live with my people no matter where I am in the world.
It's substantially easier for me to do and that doesn't intimidate me.
That's not stressful.
It's kind of adventurous for me.
Where's for age?
It would be like, okay, no.
Yeah, if we end up having to be, which at some point we will in a different state, having
a Zoom call from a hotel room and Alan weren't there, I think I would just feel super stressed,
super, you know, whatever, we're for Alan.
He would just.
- For something you want to do, why do?
- But you can't commit to doing well until we have a baby.
- Or at least timing on something.
And I was thinking, how's this for putting you in the spot?

I don't know where your warm blooded.
- You should build my feet.
I'm gonna work with you later.
- A reptile.
Let me see, do you have a four ton?
Okay. All right. You freak of nature. I was thinking like, you know, the last time we ran
finding father, which, you know, this wasn't ideal that this happened, but I ended up getting
mono in the middle of it. Oh, yeah. And then I took over. You took over for four weeks.
We made it work. So I mean, partially in the back of my head, I'm like, I wonder if we just
pick dates and we'll, if there's a couple of weeks where it's you on the line, because I'm
in some other state than great. I just don't know. I don't know. I want to though.
And for people who are new to the podcast, you don't know what Finding Father is.
AJ wrote a book called Finding Father. Yes.
And you can do the book, but Alyssa's also talking about an online group.
And here's the thing, you could right now go and do an online study. AJ teaches,
pre-recorded, AJ teaching every chapter of the book. So you could buy the book,
you could buy the video course and work through it yourself. But what Alyssa's asking about is,
we have in the past done like a group where everybody goes through at the same time and age
it will get on in addition to the pre-recorded videos because you each Saturday.
And the last one was so fun. We had like 70 people and it was just so fun. So that
do I want to desperately want to? Probably more Alan and I figuring out when we could make it work
and as you know if we're comfortable with the switch-in switch out nature of what our lives
might be like to pull that off soon.
But you've already told people where they can ask questions.
Yes.
Alanaj.com/ask.
Yes.
Where people get show notes for this week's episode?
You would go to Alanaj.com/269.
And a huge thank you to the members of our show that make all of this possible.
And to our members, I want to say, because of your generous support,
we're in the process of adding a third camera.
Yes.
We don't actually have the camera yet, but the lens arrived today.
We've got the lens.
We're looking and keeping my eye out for the camera body.
Our members are beautiful, sophisticated, handsome, intelligent, incredibly talented,
people with exceptional taste, who support the show with monetary gifts from as little
as a dollar an episode, you can support the show.
And by doing so, you also get video versions of the podcast.
You get discounts on any of our products, like the books and the courses that we've
been talking about.
You also get a priority Q&A.
If you've got a burning question, we jump into the top of the list.
And you can also reach out to us in our little membership forum that we have to become a
member to get all those benefits and support the show.
Go to allen and AJ.com/join.
All right.
We will see you next week to talk more about blessings and finances.
Bye bye.


GENERAL POWER
Section 15. The enumeration in this constitution of specified powers shall not be construed as limitations upon the power of the State to provide for the general welfare of the people. [Ren Const Con 1968 and election Nov5, 1968; ren Const Con 1978 and election Nov7, 1978]


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Too Fast, Too Furious: Hedging For A Short-Term Correction
The “QE, Not QE” Rally Is On
Last week, we discussed the “QE, Not QE” rally:
‘On October 9, 2019, the Federal Reserve announced a resumption of quantitative easing (QE). Fed Chairman Jerome Powell went to great lengths to make sure he characterized the new operation as something different than QE. Like QE 1, 2, and 3, this new action involves a series of large asset purchases of Treasury securities conducted by the Fed. The action is designed to pump liquidity and reserves into the banking system. Regardless of the nomenclature, what matters to investors is whether this new action will have an effect on asset prices similar to prior rounds of QE. For the remainder of this article, we refer to the latest action as QE 4.’ “
The following is one of the tables from the article.
As you will notice, all major markets increased in value during QE-1, 2, and 3.
Regardless, whether you believe the Fed’s actions are “QE,” “QE-Lite,” of “Not QE at all” is largely irrelevant.
What is relevant is that each time the Fed has engaged in monetary programs, the markets have risen. Therefore, it should not be surprising investors now have a “Pavlovian” response to the Fed’s “ringing of the bell.”
During the past few weeks, we have discussed the probability of a year-end rally, which would be supported by both the Fed, and a “trade deal.” The following links, here and here will catch you up on our premise.With the Fed cutting rates, Trump touting “trade deals,” and now “tax cuts for the middle class,” not to mention the Federal Reserve increasing their balance sheet, it should not surprising markets have rallied over the last 5-weeks as shown in the S&P 500 chart below.
Think about it this way, in just 5-weeks the market has almost advanced as much as the long-term historical average annual return.This should suggest two things.
- The market has already priced in a bulk of the benefit from the additional liquidity; and,
- The market has advanced too quickly.
Too Fast, Too Furious
On Tuesday, I posted a series of charts which showed the rather rapid reversion from more extreme bearishness mid-summer to more extreme bullishness now.As I noted:
“But it isn’t just the more extreme advance of the market over the past 5-weeks which has us a bit concerned in the short-term, but a series of other indications which typically suggest short- to intermediate-terms corrections in the market. Historically, when all of the indicators are suggesting the market has likely encompassed the majority of its price advance, a correction to reverse those conditions is often not far away. Regardless of the timing of that correction, it is unlikely there is much upside remaining in the current advance, and taking on additional equity exposure at these levels will likely yield a poor result.”
What is quite amazing is that this reversal from “bearish” to “bullish” occurred precisely as the Fed began pumping liquidity into the markets. The last time investor sentiment was this bullish was at the beginning of 2018, which eventually led to a near 20% correction.
As with above, retail investors are “all in” once again with the smart/dumb money indicator noting an extreme bullish bias of retail investors.
Of course, this coincides with extremely low individual cash levels of individuals.
“With cash levels at the lowest level since 1997, and equity allocations near the highest levels since 1999 and 2007, it suggests investors are now functionally ‘all in.’”
With net exposure to equity risk by individuals at historically high levels, it suggests two things:
- There is little buying left from individuals to push markets marginally higher, and;
- The stock/cash ratio, shown below, is at levels normally coincident with more important market peaks.
Lastly, for a “bullish sentiment” perspective, investment newsletters are now exceedingly bullish.
These are all “contrarian” indicators, which suggest that if everyone is “all in,” there is currently no one left to “buy.” Such conditions typically are associated with short-term market corrections.
However, even if we set aside investor sentiment and positioning for a moment, the rapid reversion is price has sent our technical composite overbought/oversold gauge back towards more extreme levels of overbought conditions.
As noted previously, virtually every measure of volatility has been suppressed as the “fear of a correction” has evaporated.
Low volatility measures are a representation of more extreme levels of investor complacency. Such complacency provides “fuel” for a reversion as investors sentiment transitions from complacency to fear.
As we noted just recently for our RIAPRO.NET subscribers, the divergence of breadth is also indicative of short-term tops in markets.
What all of this data suggests is that markets have risen “too fast, too furious” which raises the probability of a price correction in the short-term.
This is why we have hedged our portfolios last week.
Does that mean we are bearish and betting on the market to crash. Not at all.
Why We Hedge
Currently, our portfolios are long-biased meaning we have more equity-risk in our allocation than fixed income and cash.
Given the market’s advance, and the data points set out above, and this past Tuesday, we have three choices in how we manage our client portfolios at this juncture:
- Do Nothing – if the markets correct, we lose some of our gains and just have to wait for the portfolio to recover.
- Take Profits – as we have done with extremely overvalued assets in the past, we can take profits, raise cash, and reduce our equity exposure in advance of a correction. Such actions mitigate the damage of the decline, but positions have to be repurchased, or new ones added, to resize the portfolio in the future.
- Hedge – adding a position to the portfolio that is the “inverse” of the market. (the position goes up in value as the market declines.) This action allows us to keep our existing positions intact, and by “shorting against the portfolio” allows us to effectively reduce our equity risk (and related capital destruction) during a market correction.
Why did we choose “Option 3” at this juncture?
Option 1 – is never really a good option. Riding the market up and down, and spending time “getting back to even,” doesn’t make a whole lot of sense.
Option 2 – is something that we took advantage of twice this year already. We took profits at the peak of the market in May and July before both of the subsequent swoons. We also added new exposures in early October. So, taking profits again in some positions would lead to a gross underweight in certain areas of the portfolio allocation.
This makes Option 3 the most optimal at this stage of the rally.
With the Fed engaged in pumping liquidity into the markets, and any day may also include a random market manipulation from a “Trump tweet,” the most opportunistic method to hedge risk is to add a “short S&P 500” index position to the portfolio. The chart below shows the range of options which we expect could occur.
- Market breaks ABOVE the current upward trending range. We are currently carrying a stop at 3150 for our short position, where we will close it out. Yes, we will have a minimal loss in the position but the rest of our equity holdings will advance more than making up for the differential. (Example: On Friday, the S&P 500 increased .77%, our 60/40 Equity Portfolio with the Short Position rose by .46%)
- Market corrects to the currently rising 50-dma and in that process reverses the current overbought condition of the market (top panel, red box) back to oversold. Note: the 50-dma also currently coincides with the previous resistance of this year’s market highs. A retest of this level that holds, and removes the overbought condition as noted, would be very bullish. We will close out the hedge and increase our long-exposure.
- If the market breaks below the 50-dma, and is NOT oversold, the next level of support is the lower rising trendline. This is also important support, and a successful test that reverses the overbought condition would require a removal of hedges.
- The last support is the rising 200-dma. If the market test and holds the 200-dma, is oversold, and sentiment has returned to a more bearish position, we will close out our hedges.
- IF the market breaks below the 200-dma, we will likely be discussing the process of reducing long positions and increasing short-hedges.
Importantly, the range of corrections discussed only runs 3-6%, which is well within the normal confines of a bullish correction.
When we discuss hedging against risk, it is invariably taken that we have sold everything and are now betting on a market “crash.”
Such is hardly the case. We are simply taking prudent actions in the portfolio management process to reduce capital risk, and potentially add some incremental “alpha” to portfolios if a correction occurs.
This is just how we manage risk.
You have a choice to either manage risk, or ignore it.
The only problem is that ignoring risk has a long history of not working out very well.


I am very appreciative of the fact that my dreams are quite detailed, long, and in full color. I can often remember at least one dream a night, and occasionally two. About once a month I will have a lucid dream. When this happens I will recognize that I am dreaming, and then I will pick something up, a chair or coffee table, and throw it at the wall. I believe this happens because I recognize that rules donít apply and I am able to release frustrations in a way that I cannot do in real life. Then I wake up.
About a week ago I received some 1g of 10x Calea Zacatechichi from a shop on the internet. I smoked about half a bowl and the next couple of nights my dreams where clearer and more linear than usual, but not Lucid. Yesterday I read most of the accounts posted on Erowid and decided that I would try the capsule method. Before I went to sleep I emptied and then loosely filled a 530mg valerian capsule with the Calea. Last night was simply amazing. I had 5 dreams that I can remember, all of them Lucid. I was in complete control, but not in a way where I had to create the dream myself. If there was something I didnít like, I changed it. It was my own personal Matrix. The details, sounds, colors, and feelings, were absolutely incredible.
In the first dream I had my moment of realization when I was running away from someone and I decided to take his car. Driving I could feel the gears shifting, the bumps in the road, and the thrill of driving 100mph over hills. As I got used to the fact that I was indeed in control, my dreams progressed in what I was able to do. The second one, I flew. I could feel the wind around me, smell the fresh air, and go wherever I desired. The third I thought I saw an old girlfriend, so I did, and I walked up to her and kissed her. The fourth I was changing the color of people as if it where a computer paint program, selecting the color and then coloring the person. In the last dream I noticed that control was becoming a little more difficult, but I was still able to fly after a truck, throw it into the air, and then crumple it with my hands as if it were a piece of paper.
The next morning I woke up completely refreshed and extremely pleased. I will continue to use the same dose. I thought about not taking any tonight to see how my dreams would be effected, but last night was so amazing that I think I will give it a couple of days before I take night off.
Experience Reports are the writings and opinions of the individual authors who submit them.
Some of the activities described are dangerous and/or illegal and none are recommended by Erowid.


Part 39—Acquisition of Information Technology
39.000 Scope of part.
39.001 Applicability.
39.002 Definitions.
Subpart 39.1—General
39.101 Policy.
39.102 Management of risk.
39.103 Modular contracting.
39.104 Information technology services.
39.105 Privacy.
39.106 Contract clause.
Subpart 39.2—Electronic and Information Technology
39.201 Scope of subpart.
39.202 Definition.
39.203 Applicability.
39.204 Exceptions.


It wasn't a dark and stormy night. It was an early summer morning, and greatness awaited.
 Destined for programming mastery, she joined the Epicodus Guild.
Many trials stood between our hero and Devhood- this story is about the task set before her to earn the right to place AngularJS on her list of deeds.
"Create a site, for members of a guild, jousters or something like that."
Our hero, a lover of books, chose to to make a place where similar bibliophiles could gather remotely. Here they could receive suggestions for manuscripts, and discuss the texts.


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Data loading spinner is responsible to display a spinner on data table body while on data fetch operation, once after the success data retrieval process it will disappear and data will be displayed on the table body.
Loading spinner is very useful when on Server Side Basic Data Binding and Server Side Web Socket Data Binding operations. from enabling data loading spinner ornamentum will keep updates the end user that the data retrieval process is still going on and preventing affect to user experience negatively.
Loading spinner can be enable by binding true to showLoadingSpinner
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About low-dose aspirin
Daily low-dose aspirin is a blood thinning medicine. Aspirin is also known as acetylsalicylic acid.
Daily low-dose aspirin is a blood thinning medicine. Aspirin is also known as acetylsalicylic acid.
Low-dose aspirin helps to prevent heart attacks and strokes in people at high risk of them.
Your doctor may suggest that you take a daily low dose if you have had a stroke or a heart attack to help stop you having another one.
Or, if you're at high risk of heart attack - for example, if you have had heart surgery or if you have chest pain caused by heart disease (angina).
Only take daily low-dose aspirin if your doctor recommends it.
Low-dose aspirin comes as tablets. It's available on prescription. You can also buy it from pharmacies, shops and supermarkets.
Children are sometimes treated with low-dose aspirin after heart surgery or to treat a rare illness called Kawasaki disease. Children should only take low-dose aspirin if their doctor prescribes it.
Taking low-dose aspirin to prevent heart attacks and strokes is not the same as taking aspirin as a painkiller. Read our information on aspirin for pain relief.
About links
Page last reviewed: 8 August 2017
Next review due: 8 August 2020


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Description
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*Anyone with a medical condition, including diabetes and hypoglycemia, should consult a physician before using this product.
†This statement has not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.
Usage Rate: 90 Use(s) per Bottle
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Description
Nutrilite® Lean Muscle can help you get the maximum return on your workout investment.
Benefits
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Advisories
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The functions MPI_WAIT and MPI_TEST are used to complete a nonblocking communication. The completion of a send operation indicates that the sender is now free to update the locations in the send buffer (the send operation itself leaves the content of the send buffer unchanged). It does not indicate that the message has been received, rather, it may have been buffered by the communication subsystem. However, if a synchronous mode send was used, the completion of the send operation indicates that a matching receive was initiated, and that the message will eventually be received by this matching receive.
The completion of a receive operation indicates that the receive buffer contains the received message, the receiver is now free to access it, and that the status object is set. It does not indicate that the matching send operation has completed (but indicates, of course, that the send was initiated).
We shall use the following terminology:
A null handle is a handle with
value
MPI_REQUEST_NULL.
A persistent
request and the handle to it are inactive
if the request is not associated with any ongoing
communication (see Section Persistent Communication Requests
).
A handle is active if it is neither null nor inactive.
An
empty status is a status which is set to return tag =
MPI_ANY_TAG, source = MPI_ANY_SOURCE, error =
MPI_SUCCESS, and is also internally configured so that calls to
MPI_GET_COUNT and MPI_GET_ELEMENTS return
count = 0
and MPI_TEST_CANCELLED returns false.
We set a status variable to empty when the value returned by it is not significant. Status is set in this way so as to prevent errors due to accesses of stale information.
The fields in a status object returned by a call to MPI_WAIT, MPI_TEST, or any of the other derived functions ( MPI_{ TEST|WAIT}{ ALL|SOME|ANY}), where the request corresponds to a send call, are undefined, with two exceptions: The error status field will contain valid information if the wait or test call returned with MPI_ERR_IN_STATUS; and the returned status can be queried by the call MPI_TEST_CANCELLED.
Error codes belonging to the error class MPI_ERR_IN_STATUS should be returned only by the MPI completion functions that take arrays of MPI_STATUS. For the functions MPI_TEST, MPI_TESTANY, MPI_WAIT, and MPI_WAITANY, which return a single MPI_STATUS value, the normal MPI error return process should be used (not the MPI_ERROR field in the MPI_STATUS argument).
| MPI_WAIT(request, status) | |
| INOUT request | request (handle) |
| OUT status | status object (Status) |
int MPI_Wait(MPI_Request *request, MPI_Status *status)
MPI_WAIT(REQUEST, STATUS, IERROR)
A call to MPI_WAIT returns when the operation
identified by request is complete. If the communication object
associated with this request was created by a nonblocking send or
receive call, then the object is deallocated by the call to MPI_WAIT
and the request handle is set to MPI_REQUEST_NULL.
MPI_WAIT is a non-local operation.
The call returns, in status, information on
the completed operation. The content of the status object for a receive
operation can be accessed as
described in Section Return Status
.
The status object for a send operation may be queried by
a call to MPI_TEST_CANCELLED
(see Section Probe and Cancel
).
One is allowed to call MPI_WAIT with a null or inactive
request argument.
In this case the operation returns immediately with empty status.
Successful return of MPI_WAIT after a MPI_IBSEND implies
that the user send buffer can be reused --- i.e., data has been sent
out or copied into a
buffer attached with MPI_BUFFER_ATTACH. Note that, at this point,
we can no longer cancel the send (see Section Probe and Cancel
).
If a matching receive is never
posted, then the buffer cannot be freed. This runs somewhat
counter to the stated goal of MPI_CANCEL (always being able to free
program space that was committed to the communication subsystem).
( End of advice to users.)
In a multi-threaded environment, a call to
MPI_WAIT should block only the calling thread, allowing the thread
scheduler to schedule another thread for execution.
( End of advice to implementors.)
int MPI_Test(MPI_Request *request, int *flag, MPI_Status *status)
MPI_TEST(REQUEST, FLAG, STATUS, IERROR)
A call to MPI_TEST returns flag = true if the
operation identified by request is complete. In such a case, the
status object is set to contain information on the completed
operation; if the communication object was created by a nonblocking
send or receive, then it is deallocated and the request handle is set to
MPI_REQUEST_NULL. The call returns
flag = false, otherwise. In this case, the value
of the status object is undefined.
MPI_TEST is a local operation.
The return status object for a receive operation carries information that
can be accessed as described in
Section Return Status
.
The status object for a send operation carries information that can be
accessed by
a call to MPI_TEST_CANCELLED
(see Section Probe and Cancel
).
One
is allowed to call MPI_TEST with a null or inactive request
argument. In such a case the operation returns with flag = true and
empty status.
The functions MPI_WAIT and MPI_TEST can be used to
complete both sends and receives.
The use of
the nonblocking MPI_TEST call allows the user to
schedule alternative activities within a single thread of execution.
An event-driven thread scheduler can be emulated with periodic calls to
MPI_TEST.
( End of advice to users.)
A request object can be deallocated without waiting for the associated
communication to complete, by using the following operation.
int MPI_Request_free(MPI_Request *request)
MPI_REQUEST_FREE(REQUEST, IERROR)
The MPI_REQUEST_FREE mechanism is provided for
reasons of performance and convenience on the sending side.
( End of rationale.)
Once a request is freed by a call to MPI_REQUEST_FREE, it is not possible
to check for the successful completion of the associated communication
with calls to MPI_WAIT or MPI_TEST. Also, if an error occurs subsequently
during the communication, an error code cannot be returned to the user ---
such an error must be treated as fatal. An active receive request should
never be freed as the receiver will have no way to verify that the receive
has completed and the receive buffer can be reused.
( End of advice to users.)
INTEGER REQUEST, STATUS(MPI_STATUS_SIZE), IERROR
{ void MPI::Request::Wait(MPI::Status& status) (binding deprecated, see Section Deprecated since MPI-2.2
) }
{ void MPI::Request::Wait() (binding deprecated, see Section Deprecated since MPI-2.2
) }
Advice to users.
Advice
to implementors.
MPI_TEST(request, flag, status) INOUT request communication request (handle) OUT flag true if operation completed (logical) OUT status status object (Status)
LOGICAL FLAG
INTEGER REQUEST, STATUS(MPI_STATUS_SIZE), IERROR
{ bool MPI::Request::Test(MPI::Status& status) (binding deprecated, see Section Deprecated since MPI-2.2
) }
{ bool MPI::Request::Test() (binding deprecated, see Section Deprecated since MPI-2.2
) }
Advice to users.
2.2
Example
Simple usage of nonblocking operations and MPI_WAIT.
CALL MPI_COMM_RANK(comm, rank, ierr)
IF (rank.EQ.0) THEN
CALL MPI_ISEND(a(1), 10, MPI_REAL, 1, tag, comm, request, ierr)
**** do some computation to mask latency ****
CALL MPI_WAIT(request, status, ierr)
ELSE IF (rank.EQ.1) THEN
CALL MPI_IRECV(a(1), 15, MPI_REAL, 0, tag, comm, request, ierr)
**** do some computation to mask latency ****
CALL MPI_WAIT(request, status, ierr)
END IF
MPI_REQUEST_FREE(request) INOUT request communication request (handle)
INTEGER REQUEST, IERROR
{ void MPI::Request::Free() (binding deprecated, see Section Deprecated since MPI-2.2
) }
Mark the request object for deallocation and set request to
MPI_REQUEST_NULL.
An ongoing communication that is associated with the request will be allowed
to complete. The request will be deallocated only after its completion.
Rationale.
2.2
Advice to users.
Example
An example using MPI_REQUEST_FREE.
CALL MPI_COMM_RANK(MPI_COMM_WORLD, rank, ierr)
IF (rank.EQ.0) THEN
DO i=1, n
CALL MPI_ISEND(outval, 1, MPI_REAL, 1, 0, MPI_COMM_WORLD, req, ierr)
CALL MPI_REQUEST_FREE(req, ierr)
CALL MPI_IRECV(inval, 1, MPI_REAL, 1, 0, MPI_COMM_WORLD, req, ierr)
CALL MPI_WAIT(req, status, ierr)
END DO
ELSE IF (rank.EQ.1) THEN
CALL MPI_IRECV(inval, 1, MPI_REAL, 0, 0, MPI_COMM_WORLD, req, ierr)
CALL MPI_WAIT(req, status, ierr)
DO I=1, n-1
CALL MPI_ISEND(outval, 1, MPI_REAL, 0, 0, MPI_COMM_WORLD, req, ierr)
CALL MPI_REQUEST_FREE(req, ierr)
CALL MPI_IRECV(inval, 1, MPI_REAL, 0, 0, MPI_COMM_WORLD, req, ierr)
CALL MPI_WAIT(req, status, ierr)
END DO
CALL MPI_ISEND(outval, 1, MPI_REAL, 0, 0, MPI_COMM_WORLD, req, ierr)
CALL MPI_WAIT(req, status, ierr)
END IF
Up: Nonblocking Communication
Next: Semantics of Nonblocking Communications
Previous: Communication Initiation
Return to MPI-2.2 Standard Index
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(Unofficial) MPI-2.2 of September 4, 2009
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Council for the Indian School Certificate Examination
The Council has been so constituted as to secure suitable representation of: Government of India, State Governments/Union Territories in which there are Schools affiliated to the Council, the Inter-State Board for Anglo-Indian Education, the Association of Indian Universities, the Association of Heads of Anglo-Indian Schools, the Indian Public Schools’ Conference, the Association of Schools for the ISC Examination and members co-opted by the Executive Committee of the Council.
EARLY BEGINNINGS
In 1952, an All India Certificate Examinations Conference was held under the Chairmanship of Maulana Abul Kalam Azad, Minister for Education. The main purpose of the Conference was to consider the replacement of the overseas Cambridge School Certificate Examination by an All India Examination. This set the agenda for the establishment of the Council.
In October 1956 at the meeting of the Inter-State Board for Anglo-Indian Education, a proposal was adopted for the setting up of an Indian Council to administer the University of Cambridge, Local Examinations Syndicate's Examination in India and, to advise the Syndicate on the best way to adapt its examination to the needs of the country. The inaugural meeting of the Council was held on 3rd November, 1958.
In December 1967, the Council was registered as a Society under the Societies Registration Act, 1860.
In 1973, the Council was listed in the Delhi School Education Act 1973, as a body conducting "public" examinations.
THE COUNCIL'S MISSION
The Council for the Indian School Certificate Examinations is committed to serving the nation's children, through high quality educational endeavours, empowering them to contribute towards a humane, just and pluralistic society, promoting introspective living, by creating exciting learning opportunities, with a commitment to excellence.
THE ETHOS OF THE COUNCIL
- Trust and fair play.
- Minimum monitoring.
- Allowing schools to evolve own niche.
- Catering to the needs of the children.
- Giving freedom to experiment with new ideas and practices.
- Diversity and plurality - the basic strength for evolution of ideas.
- Schools to motivate pupils towards the cultivation of:
- Excellence - The Indian and Global experience.
- Values - Spiritual and cultural - to be the bed rock of the educational experience.
As a leader in the provision of world-wide educational endeavours, the Council's vast experience and wisdom is called upon in many forums such as the Council of Boards of School Education in India (COBSE), State Education Departments, the Central Board of Secondary Education (CBSE), the National Council for Educational Research and Training (NCERT), the Ministry for Human Resource Development and the Planning Commission, affirming the intrinsic integrity and credibility of the Council and the system it espouses.
EXAMINATIONS
The Council for the Indian School Certificate Examinations conducts three examinations, namely, the Indian Certificate of Secondary Education (ICSE –Class X); The Indian School Certificate (ISC - ClassXII) and the Certificate in Vocational Education (CVE - Year 12). The subject choices and syllabuses prescribed for these examinations are varied and aimed at nurturing the unique gifts of individual pupils
-
THE ICSE (CLASS X)
The Indian Certificate of Secondary Education has been designed to provide an examination in a course of general education, in accordance with the recommendations of the New Education Policy 1986, through the medium of English. Private candidates are not permitted to appear for this examination.
-
THE ISC (CLASS XII)
The Indian School Certificate Examination is an examination, through the medium of English, designed in accordance with the recommendations of the New Education Policy 1986, after a two-year course of studies beyond the Indian Certificate of Secondary Education (Year 10) examination or its equivalent examination.
-
THE C.V.E (YEAR 12)
The Certificate of Vocational Education Examination (CVE - 12) has been created as an examination, in accordance with the recommendations of the Ministry of Human Resource Development (MHRD) through the Joint Council of Vocational Education (JCVE) established under the National Policy of Education 1986. This examination can be taken by candidates after a two year course of studies beyond the Indian Certificate of Secondary Education (Year 10) examination or its equivalent examination, through the medium of English.
NATIONAL COMPETITIONS
The Council conducts, the Frank Anthony Memorial All-India Inter-School Debate and the Albert Barrow Memorial All-India Inter-School Creative Writing competitions, thereby underpinning the critical importance of creativity and the ability to articulate one's thoughts in writing and speech in school education.
AWARDS
-
THE DEROZIO AWARDS
-
NATIONAL AWARDS
-
ICT AWARD
TRAINING
The Council carries out training on a gamut of educational concerns, geared towards improving or affirming teaching practices in the classroom, new syllabi thrusts or managerial skills in education. Requests for training may be made to the Council's office.
SPECIAL MENTION
UCAS noting on the ISC Examination:
The National Admissions and Accreditation agency in the United Kingdom - UCAS (Universities and College Admission Services) has recognized the ISC at par with the Higher School qualification of the University of Scotland.
Internet:
The Council's website provided the results of the ICSE and ISC March 1999, examinations. A first by any board in India. The provision showcased the Council as a pacesetting organization world-wide.


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Important Concepts in Qt Quick - States, Transitions and Animations
In any modern user-interface, transitioning between states and animating the user-interface is highly beneficial. These are first-class concepts in Qt Quick.
This page describes the concept of states, state transitions, and property animations. It details which concepts are important and why, and how those concepts interrelate. It also provides links to in-depth detail about the QML types that Qt Quick provides to implement those concepts.
States
The state of a particular visual item is the set of information which describes how and where the individual component parts of the visual item are displayed within it, and all the data associated with that state. Most visual items in a user-interface will have a limited number of states, each with well-defined properties.
For example, an element in a list may be either selected or not, and if selected, it may either be the currently active single selection or it may be part of a selection group.
Each of those states may have certain associated visual appearance (neutral, highlighted, expanded, and so forth).
Qt Quick provides a State
type with properties which define its semantics and can be used to trigger behavior or animations. See the documentation about Qt Quick States for more information.
Transitions
When a visual item transitions from one state to another, the appearance of that item will change. A transition is an "edge" between two states. It may trigger other events to occur, as other parts of the application may have behavior which is triggered when a certain state is entered or left.
Qt Quick provides the Transition
type which has properties which define what will occur when the application changes from one state to another. See the documentation on Transitions during State Changes for more information about transitions.
Animations
When transitioning between states, a fluid animation can be used to aid the user during the transition. Abrupt and unexpected changes to the visual canvas result in a suboptimal user-experience and should be avoided.
If an element in a list becomes selected, the color change (from neutral to highlighted) can be animated. If the position of the element in the list is changed, it can be moved in an fluidly animated fashion so that the eye of the user can track the change.
These types of animations are supported in Qt Quick through various animation and transition types. See the documentation on Animations and Transitions In Qt Quick for information about these types and how to use them.
Animating Property Assignments
Animations are not only related to states and transitions between states. For example, an animation might be triggered by other events, which are not associated with a distinct state.
It is often beneficial to always animate changes to certain properties of visual items, regardless of the cause of the change (for example, opacity effects). Qt Quick provides the Behavior type which allows the client to specify animation behavior for changes to properties. The Behavior type is an example of a QML object property modifier.
Please see the documentation about default property animations for more information about using the Behavior type to provide default property change animations.
It is important to note, that using default property animations (via the Behavior type) in combination with state-transition animations can sometimes result in undefined behavior occurring. Please see the documentation about using Qt Quick Behaviors with States for more information about this topic.
Animators
The Animator types are a special type of animation which bypass the QML objects and operate directly on the primitives in the scene graph. This has the benefit that the Animator based animations can be run on the scene graph's rendering thread (when applicable) and can continue to animate even when UI is otherwise blocked.
Qt Quick provides the following Animator types:
- XAnimator - Animates the horizontal position of an Item.
- YAnimator - Animates the vertical position of an Item.
- ScaleAnimator - Animates the scale factor of an Item.
- RotationAnimator - Animates the rotation of an Item.
- OpacityAnimator - Animates the opacity of an Item.
- UniformAnimator - Animates a uniform in a ShaderEffect.
Animated Sprites
The concept of animated sprites is separate to the concept of animations as used elsewhere on this page. If you want to create or use an animated image or sprite, please see the documentation about sprite animations.