𝗗𝗼𝘄𝗻𝗹𝗼𝗮𝗱 EBOOK [PDF] This is Texas, Y'All!: The Lone Star State from A to Z by Misha Blaise
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                                         This is Texas, Y'All! written and illustrated by Misha BlaiseA charming gift for proud Texans of all agesTake a rollicking ride through Texas culture and history with this quirky illustrated guide to all things Texan. Beyond celebration of classic cowboy culture, you will discover:the only Czech word known to all Texaswhat city outlawed dancing for 52 yearsthe Texas history that underlies the Oscars


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𝗗𝗼𝘄𝗻𝗹𝗼𝗮𝗱 EBOOK [PDF] A to Z Mysteries Super Edition #9: April Fools' Fiasco by  Ron Roy &  John Steven Gurney
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[PDF] GET Disunited Nations: The Scramble for Power in an Ungoverned World by  Peter Zeihan,Peter Zeihan,Roy Worley,HarperAudio
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[PDF] 𝙁𝙍𝙀𝙀 Z is for Zamboni: A Hockey Alphabet (Sports Alphabet) by Matt Napier,Melanie Rose
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                                     In the mold of our very popular series of state alphabet books, we offer "Z is for Zamboni" to hockey fans young and old across North America. Matt Napier's "breakaway" rhymes and "hard-checking" expository text team up with the "top-shelf" illustrations of Melanie Rose to elucidate this increasingly popular game for every beginning hockey aficionado. Highlighting rules, players, coaches, teams, and the history of the game, it is both fun and educational.

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𝕯𝖔𝖜𝖓𝖑𝖔𝖆𝖉 Anatomicum Junior (Welcome To The Museum) by  Jennifer Z Paxton
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ACCESS The Shepherd Leader: Achieving Effective Shepherding in Your Church by  Timothy Z. Witmer,Mike Chamberlain,christianaudio.com
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Liz Young, head of investment strategy at personal finance company and bank SoFi, discusses markets, the investor movement to DIY investing, and her investment process and market outlook with DoubleLine’s Jeffrey Sherman and Samuel Lau in this episode recorded Sept. 12, 2023. Their conversation begins with a discussion of Ms. Young’s career (1:06) in the investment industry and her path to SoFi, where she dispenses her economic, investment and market insights to a variety of audiences. Then she discusses the evolution of investors (6:04), away from “high-touch advisory” investment professionals to DIY investing, a movement with which SoFi works to bring education and tools to enable investors’ success. She notes the DIY movement has especially taken hold among younger people and new investors (9:15). For example, while the average age of clients at older brokerages is 55 to 65, 60% of SoFi’s investment clients are 20 to 40.

Turning to the investment process at SoFi (16:35), Ms. Young begins with her assessment of the macroeconomic cycle and whether the market is reflecting that assessment or reflecting something else. If inconsistencies arise between macro and market signals, she says, “in my head it means one of the two is wrong. One of these two data sets is sending the wrong message or the timing is off and then you try to figure out what’s happening.” She warns (21:12) that investors have become conditioned to expect troubles in the capital system will be corrected by an “open-ended insurance program” underwritten by fiscal authorities and central banks. “OK, rates are now up, but (people’s thinking goes) we have this sort of never-ending punch bowl of stimulus if something ever goes wrong. In my eyes, that’s probably the next thing that can’t last forever.” While some observers have theorized the absence of a long-telegraphed recession points to a soft landing, Ms. Young points to historical data (24:23), noting the economy has only recently neared or crossed the average time lags between leading indicator warnings and the advent of recession. Mr. Sherman agrees, adding that even when such average time gaps are crossed, volatility around the average could allow for further delay before the next contraction begins.

The Sherman Show

TSS Episode 146: SoFi’s Liz Young on Markets, DIY Investing and Capturing Gen Z Investors

Jeffrey Sherman, DoubleLine’s Deputy CIO and Sam Lau, DoubleLine’s Asset Allocation Analyst, host a series of podcasts with distinguished guests, giving listeners insight into DoubleLine’s strategies, Portfolio Managers and industry innovators.

New tracks tagged #Z