Towelie Trades

TowelieTrades.com

[towelietrades]

Annual “Digital” Services

If anyone can offer some input, I'd like to get a list of current "digital” services that have Annual payment options as an option to their monthly payments.

So far plans that are offered for annual "digital” services:

   Disney+    Hulu    Apple Music    Amazon Prime    Adidas Runtastic    Strava

I'm not sure if Spotify / Netflix / HBO Max / Apple TV+ / Pandora / YouTube TV offer annual or not -- If you think of others please reply with a comment.

*Here's my reasoning. I know it's best or typical to do this by monthly because you can cancel each service whenever then as well as free up capital for better use -- But if you buy a giftcard for either service at Target / Sam's Club / Costco they typically offer you discounts on those gift cards -- On top of cashback from the credit card used to make the purchase.

[towelietrades]

Rant: $NKLA / $TSLA long term?

Disclaimer: This is a rant so grammar police go patrol elsewhere. These are my opinions, not advice and not typically backed up by facts. You won’t find me backing any of this up with links to sources or quotes for the most part -- that is part of your job as being an investor, doing your own due diligence. I’m just here to lead you to water and teach you to drink, or eat... Whichever you prefer. My mission or point isn’t to change your mind on Nikola ($NKLA) or Tesla ($TSLA) It’s simply to just open your mind to the idea of both. We live in a world where everything is disposable and if you’re lucky enough to live in the United States of America, then you’re probably part of that problem. We may as well educate ourselves, and hopefully even profit off our education via the stock market by looking forward. We are not enemies, we are all human with one similar motivation to succeed in a world full of greed and hate.

Tesla started a great wave for the green deal of automotive, they may not even be the pioneers for it but they mainstreamed it. The only issue Tesla has to face, is their incomplete ecosystem.

Sure we could sit here and brag about their solar city / solar panels -- but are they really that good comparable to other come to market solar power?

Now that we’re finding out with Californian fires and the smoke, are they really the solution we need?

California has switched slowly over to the “green deal” with solar being a major support for the electric grid and it has been the cause of a lot of the recent PG&E rolling blackouts (Ben Shapiro mentions the source in one of his podcasts, its real)

I believe there is a gigantic miss here with Tesla, and that is the fact that PG&E can regulate the electric they provide to each consumer regardless. Where as with Nikola using NEL for their chargers and the method they’re using for charging their Hydrogen Fueling Station Network is the real answer.

Put aside all the bickering of trucks, semi trucks and self driving cars that let you blow yourself while driving -- and let’s focus on the end game (Not the Avengers, even though Mulan is the next Avenger). The real focus should be -- what will be the next gasoline station of the future? I believe that is where NKLA and Trevor’s mind have been set, they’re chose to start with the big diesel suckers first to prove their concept. Because like any proof of concept, if you can make the larger issue at hand work, the smaller is easier.

First the fuel cell used in Nikola is pretty interesting:

A fuel cell generates energy in the form of electricity by harnessing chemical reactions from hydrogen and oxygen while leaving water (H2O) as the only byproduct. It's supposed to be the perfect clean energy and more efficient than lithium-ion batteries because hydrogen is lightweight.

Sure Tesla fans will call them Fool Cells, but in the long term, it’s not a battery being tossed back into our worlds ecosystem.

The way the fuel cell works to provide power to a vehicle is through electrolyzing water, because Trevor truly believes we need to make a change in the world for climate change and this is a great start with cars moving away from the tradition gasoline method in regards to emissions. But he didn’t want the NKLA move to stop there, he knew these needed a network of charging stations, in which he also knew it would be backwards to use electric to charge these vehicles, since power plants are needed for electric and it will just cause more pollution. Read a little more on the whole Fuel Cell stuff by Trevor: here

Nikola plans to build a network of 700 truck stop-size hydrogen fuel stations across the U.S. and Canada by 2028.

Station sizes would vary, but most would be a standard size that can make up to eight tons of hydrogen per day. They would store and dispense up to 10 tons, or 9,091 kilograms. That’s the energy equivalent of about 7,300 gallons of diesel. Hydrogen is dispensed by weight and measured in kilograms – with one kilogram containing the energy equivalent of 0.8 gallon of diesel.

Nikola plans to purchase renewable energy from outside suppliers if additional electrical power were needed to run a station’s equipment. The company also may build its own solar farms in several remote locations to distribute renewable energy directly to some of its stations, Schneider said.

Each of the filling stations would include a building housing the hydrogen-production equipment, storage tanks and compressors. Each also would have a chilling facility for the gas, which heats up when compressed and must be cooled before it can be dispensed.

Many of the stations also would have service bays staffed by Ryder System, Nikola’s maintenance partner.

Ryder also will provide service at its own maintenance facilities – there are more than 800 – and is training its 6,000-plus technicians to work on Nikola’s fuel cell trucks, said Dennis Cooke, president of Ryder’s Fleet Management Solutions unit.

Each standard hydrogen station would have eight dispensers for heavy duty trucks – capable of pumping 176 pounds (80 kilograms) of compressed hydrogen gas, the amount needed to fill an empty Nikola truck’s tank, in 10 minutes.

Nikola also plans to provide four dispensers for hydrogen fuel cell passenger vehicles and light trucks at each station.

The company wants to encourage development of fuel cell vehicles and would allow other manufacturers’ trucks, fuel cell passenger vehicles now being made by Toyota, Honda and Hyundai, and any future hydrogen passenger vehicle models, to use its stations, Milton said.

via Trucks.com

Another big point missed is that NKLA wants to offer TSLA vehicles the chance to also charge up in a clean method as well, perhaps some are jealous over the idea?

The stations would have electric vehicle chargers, both standard 240-volt models and so-called fast chargers for quick battery top-ups of vehicles equipped to handle such high voltage.

Anyways I’m low on time, I wish I could write more on this topic, but I do urge you to do your research, understand where the research is coming from and their position as well. If you’re still unsure, cover your cost basis with flipped profit, take a risk and #yolo into the future on either one.

I wish everyone a healthy and green wealthy future, make the decision be yours, and yours only, you’re the one that needs to manage the trade.

[towelietrades]

My Brokers & Apps

I had some questions earlier in regards to how I manage some of my accounts and why. I decided I should probably break down my reasoning below, I’ve also included referral links too, which typically give you some type of added benefit, free stocks or free cash for joining through the link provided.

M1 Finance: This is my “retirement” account. I have a normal standard investment account I use my passive pie (Link: http://towelietrades.com/m1passive) through on M1 and I also have a ROTH IRA (Link: http://towelietrades.com/m1rothira) with M1. M1 Finance allows fractional shares and do not charge any fees. Sign up using this link to get a free $10 with a funded account: http://towelietrades.com/m1 Webull: Webull offers the ability to buy shares of stock or even options. Crypto is coming soon from what I have heard. I use this broker primarly for speculation plays and plays where I want to collect dividends into cash. Sign up using this link to get 2 FREE stocks worth up to $1400 with funded account of $100: http://towelietrades.com/webull2 Tastyworks: This is one of my favorites, I use this primarily for options, nothing else. The fills are amazing, their customer support is great. You can deposit and use instantly, I've had no issues with this on the Desktop app at all. They do offer a mobile app as well. I use Tastyworks primarily to scalp and day trade, sometimes swing trade. I'm able to scalp past the PDT rule due to having a cash account, so make sure you select cash account only when signing up! Sign up using this link: http://towelietrades.com/tasty TD Ameritrade: I have been using TD Ameritrade since they've been Scottrade -- I use this account for all of my common shares that I will either hold for a long time, or want to collect the dividend on DRIP. Since there is no longer commission fees it has made it even more appealing to trade through this broker! Voyager: I only use this for Crypto, and that is all -- I hold BTC and USDC inside of it for long. I'm receiving 3.50% each month in interest for my BTC held and a outstanding 6% on my USDC each month in interest. Sign up using this link to receive a free $25 of BTC with a deposit of $100: http://towelietrades.com/voyager TradingView: This is not a broker, but what I use for all of my charts . Might be one of the greatest apps and web interfaces, not to mention alerts (with sms and webhooks!) I've found to date. The charts are easy to navigate, unlike how ThinkOrSwim can be sometimes with trying to drag a chart (feels natural right?). I highly suggest signing up for the Pro or Pro Plus account and purchasing the monthly real time data for NYSE, ARCA and NASDAQ! Sign up using this link: http://towelietrades.com/tradingview CashApp: I use this to send my friends money from lost or won bets. It's a great way to pay back friends!Sign up using this link for a free $5: http://towelietrades.com/cash

[towelietrades]

Volume

The significance of a change in volume is related to the associated price trend or pattern.  For example, a good time to buy stock is when there are simultaneous price and volume increases.  The accompanying Table provides general rules for volume analysis.

The following guidelines apply to the study of volume:

The market is bullish if a new high occurs with heavy volume. A new high on light volume is deemed temporary.

A new low price with high volume is a bearish indicator. A new low on light volume is less significant.

A rally to a new price high on expanding volume but with less activity than the previous rally is questionable. It may point to a coming reversal in trend.

A rally on contracting volume is questionable. It warns of a possible price reversal.

If prices advance after a long decline and then go to a level at or above the previous trough, the indicator is bullish when volume on the secondary trough is less than the first.

If the market has been increasing for a while, an anemic price increase coupled with high volume is a bearish sign. After a decline, substantial volume with minor price changes points to accumulation, typically a bullish indicator.

[towelietrades]

FREE $20 for new M1 Finance Users! (Only in January!)

SIGN UP FOR M1 FINANCE: https://mbsy.co/p982f

M1 Finance lets you automatically invest in what you want for free with M1’s simple portfolio builder, so that you can choose your own investments, use intelligent automation build wealth over time, and never pay commissions again.

$20 New M1 Finance Account Bonus: Get a $20 bonus when you sign up through this $20 M1 Finance Referral Link (https://mbsy.co/p982f), create your free account, fund your account within 90 days ($100 minimum for taxable accounts and $500 minimum for IRAs), and maintain that initial qualifying deposit for 90 days.

About M1 Finance Free Investment Platform

M1 is Single, Convenient, and Free to Use.

Build Your Custom Portfolio by Picking the Investments You Want.

Choose from Any Public Company or ETF, or Select from Expert-Designed Template Portfolios.

Deposit or Withdraw Money whenever You Want, or Set Up Recurring Funding to Make Investing Automatic.

Your Money Automatically Flows into Your Investment Portfolio with Each Deposit.

M1 Finance Does Not Charge Commissions or Brokerage Fees, so it is Always Free to Use.

M1 Finance is a member of SIPC (Securities Investor Protection Corporation). Securities in accounts are protected up to $500,000.

M1 Finance $20 New User Bonus Credit

1. Sign up for a free account via this $20 M1 Finance Referral Link (https://mbsy.co/p982f) to get started.

2. Fund your account within 90 days – $100 minimum for taxable accounts and $500 minimum for IRAs.

3. Maintain your initial qualifying funding for 90 days.

4. Once the referral qualifications are met, you will see your $20 bonus credit under “Settings > Promotions” in your account.

If you opened a retirement account, you must also open a non-retirement account to receive your referral credit.

How To Invest with M1 Finance

M1 Finance lets you invest in “Pies” or investment portfolios that are based on your risk tolerance, time-frame, goals, and other factors.

You can create your own Pies and/or select from expert-designed Pies that are available for your investments.

You can select any type of investment Pie that you would like, or you can choose multiple Pies and diversify your funds by investing different percentages of your money into different Pies, and you can edit and change your Pie selections at any time.

Every time that you fund your M1 Finance account, either through a 1-time or recurring deposit, your money will be automatically invested into the selection of Pies or investment portfolios that you have chosen.

About M1 Finance Free Investment Platform

M1 is Single, Convenient, and Free to Use.

Build Your Custom Portfolio by Picking the Investments You Want.

Choose from Any Public Company or ETF, or Select from Expert-Designed Template Portfolios.

Deposit or Withdraw Money whenever You Want, or Set Up Recurring Funding to Make Investing Automatic.

Your Money Automatically Flows into Your Investment Portfolio with Each Deposit.

M1 Finance Does Not Charge Commissions or Brokerage Fees, so it is Always Free to Use.

M1 Finance is a member of SIPC (Securities Investor Protection Corporation). Securities in accounts are protected up to $500,000.

M1 Finance $20 New User Bonus Credit

1. Sign up for a free account via this $20 M1 Finance Referral Link ( https://mbsy.co/p982f ) to get started.

2. Fund your account within 90 days – $100 minimum for taxable accounts and $500 minimum for IRAs.

3. Maintain your initial qualifying funding for 90 days.

4. Once the referral qualifications are met, you will see your $20 bonus credit under “Settings > Promotions” in your account.

If you opened a retirement account, you must also open a non-retirement account to receive your referral credit.

How To Invest with M1 Finance

M1 Finance lets you invest in “Pies” or investment portfolios that are based on your risk tolerance, time-frame, goals, and other factors.

You can create your own Pies and/or select from expert-designed Pies that are available for your investments.

You can select any type of investment Pie that you would like, or you can choose multiple Pies and diversify your funds by investing different percentages of your money into different Pies, and you can edit and change your Pie selections at any time.

Every time that you fund your M1 Finance account, either through a 1-time or recurring deposit, your money will be automatically invested into the selection of Pies or investment portfolios that you have chosen.

Types of M1 Investment Pies

General Investing – Easily create a diversified portfolio and set it to your own personal risk tolerance.

Plan for Retirement – Invest for your target retirement date in a portfolio that adjusts to your goals as you age.

Responsible Investing – Sound financial options for the socially responsible investor.

Income Earners – Choose a portfolio focused on dividends and income returns.

Hedge Fund Followers – Mimic the investment strategies of some of the most successful investors and reputable hedge funds.

Industries & Sectors – From Aerospace to BioTech and beyond, invest directly in the industries you believe are future winners.

Just Stocks & Bonds – Build a diversified, low-cost portfolio with a simple balance of 2 ETFs, focused on stocks and bonds.

Other Strategies – Explore additional investment strategies and find what’s right for you.

M1 Finance Referral Program Terms

The offer is valid only for new brokerage or IRA accounts with M1.

To qualify for the bonus, referred new users must make an initial deposit of $100 for taxable accounts or $500 for IRAs within 90 days of sign-up and not withdraw that initial deposit for 90 days.

This promotion is not valid with any other offers and is non-transferable.

Offer available to U.S. Residents only.

Both you and anyone you refer will be required to have an open brokerage account to receive referral credits.

Please note that your Payment Account must be an individual or joint taxable brokerage account (funding not required), but a Payment Account cannot be a retirement account, so if you opened a retirement account, you must also open a non-retirement account in order to receive your referral credits.

SIGN UP FOR M1 FINANCE: https://mbsy.co/p982f

[towelietrades]

While M1 does not have realized gain information on the app itself, you can easily view this information on our clearing firm, Apex Corporation's website. If you don't have an account with Apex y...

This is something that some may find useful for their M1 Accounts, or Webull accounts or any broker through APEX -- You will need a new account through APEX for each broker.

[towelietrades]

Disney Movie Release Dates:

FROZEN 2’: NOVEMBER 27, 2019

‘STAR WARS: EPISODE 9’: DECEMBER 20, 2019

‘MULAN’: MARCH 27, 2020

‘MALEFICENT 2’: MAY 29, 2020

‘JUNGLE CRUISE’: JULY 24, 2020

Disney's the Little Mermaid (2020): December 31st, 2020

Cruella (2021): May 28th, 2021

‘INDIANA JONES 5’: JULY 9, 2021

Black Panther 2 (2022): May 5th, 2022

Guardians of the Galaxy Vol. 3 (2022): May 6th, 2022

Pirates of the Caribbean 6 (2023): December 31st, 2023

https://movieweb.com/movies/2020/disney/

2020 Disney Movies

2020 Disney movie releases. A complete list.

[towelietrades]

Disney ($DIS) Upcoming News Worthy Dates

Disney+ -- November 12th, 2019

(Disney Land) Epcot 2.0 w/ Guardians of The Glaxay Ride -- 2020?

(Disney Land) A new Star Wars hotel - Disney officials revealed their most immersive resort, Star Wars: Galactic Starcruiser. Guests will board a launch pod for a two-day, two-night stay aboard the Halcyon. Once aboard, they will meet all manner of Star Wars creatures, and may find themselves on missions to thwart the evil Resistance. -- No opening date was announced.

(Disney Land) The digital assistant Disney Genie - To celebrate Disney World's 50th anniversary in 2021, officials are releasing a digital assistant to help guests with everything from booking a FastPass to planning the perfect day. -- 2021

(Disney Land) Avengers Campus at Disney California Adventure Park - 2020

(Disney World) Guardians of the Galaxy Cosmic Rewind is coming soon to Epcot at Walt Disney World -- 2021

(Paris) Another Avengers Campus is opening soon at Disneyland Paris -- TBD

(Paris) Disneyland Paris is also getting its own Marvel-themed hotel (Peak the hotel: https://insidethemagic.net/2019/09/disney-marvel-hotel-details-ba1/) -- TBD

(Hong Kong) The Marvel-themed Avengers Campus has been planned for Hong Kong Disneyland’s multi-year expansion -- 2023

(Hong Kong) New Frozen Themed Roller Coaster -- 2023

(Disney Land) Marvel-themed land coming to Disney California Adventure starting in 2020.

(Disney World) Marvel attractions are expected to open at Epcot in Florida -- 2021

(Paris) Marvel attractions are expected to open at Walt Disney Studios Park in Paris -- 2020

(Hong Kong) Marvel attractions are expected to open at Hong Kong Disneyland -- 2023

Notes: Disney acquired Pixar Animation Studios in 2006 for $7.4 billion, followed by the Marvel comic-book empire in 2009 for $4 billion and Lucasfilm — the home of the “Star Wars” franchise — in 2012 for $4 billion.

Marvel land map: https://wdwnt.com/wp-content/uploads/2019/08/MARVEL-Land-DCA-Map.png

[towelietrades]

ICHIMOKU CLOUD - Cheat Sheet

ICHIMOKU CLOUD - Cheat Sheet

Tenkan Sen: Conversion Line (9, Leading) Kijun Sen: Base Line (26, Lagging) Senkou Span A: Leading Span A - Lead 1 (Data based on 26 periods and 9 periods, reacts quicker) Senkou Span B: Leading Span B - Lead 2 (Slower Moving, 52 period highs, 52 period lows) Kumo: The actual cloud, red or green.

TENKAN SEN / KIJUN SEN CROSS This trading signal is applied when the Tenkan Sen (Conversion Line) cuts the Kijun Sen (Base Line) upward or downward.

BULLISH - The generated signal is bullish when the Tenkan Sen cuts the Kijun Sen from the bottom to the top. However, these signals, have a different degree of strength according to the position in which this signal occurs with respect to Kumo.

A weak bullish signal is recorded when the cutting of the two lines occurs below the Kumo.

A neutral bullish signal is recorded when the cutting of the two lines occurs inside the Kumo.

A strong bullish signal is recorded when the cutting of the two lines occurs above the Kumo.

The generated signal is bullish when the price cuts the Kijun Sen (Base Line) from the bottom to the top.

When the Senkou Span A line takes the top position in the cloud it is considered a bullish signal since the shorter-term price is moving above the longer-term mid-point price.

BEARISH - The bearish signal is generated when the Tenkan Sen cuts the Kijun Sen from the top to the bottom.

A weak bearish signal is recorded when the cutting of the two lines occurs above the Kumo.

A neutral bearish signal is recorded when the cutting of the two lines occurs inside the Kumo.

A strong bearish signal is recorded when the cutting of the two lines occurs below the Kumo.

Generally, when Senkou Span B takes the top position in the cloud it is considered a bearish signal.

Crossovers between Span A and Span B can signal a trend change, from bearish to bullish or vice versa.

More Information: https://towelietrades.tumblr.com/tagged/ichimoku-cloud

Source and Summarize some of this info from: https://school.stockcharts.com/doku.php?id=technical_indicators:ichimoku_cloud

I use TradingView Pro for all my setups: http://bit.ly/tradingview1

If you trade options, stop using brokers with bad fills, use TastyWorks: http://bit.ly/tastyworks4you

Follow the Smart Money with Option Flow: http://bit.ly/blackboxstocks

[towelietrades]

M1 Finance - Getting Started

I wanted to try something different here, and use this channel to track my progress in my pie. If you'd like to follow along you can.

I follow a specific Pie, and I will link the Pie I follow below, as well as the creators YouTube channel. Joe Carlson does weekly video blogs & updates with the Pie through his Channel. I intend on holding this for a very long period of time, as it is an investment.

For those who do not have M1 Finance either, I will link you to my referral link where you'll receive $10 for funding and opening an account of $100, this should help you kick it off.

If you have any questions let me know, but I think this resource below can be super helpful!

Referral link for $10 with sign up:  https://m1.finance/HFo2WnfH5wYy Yes I do see $10 back as well, which goes 100% back into my Pie

Joe Carlson's Passive Income Pie: https://m1.finance/75qVi3vJn Updated 10/21/19

Joe Carlson's  Passive Income YouTube Channel: https://www.youtube.com/channel/UCbta0n8i6Rljh0obO7HzG9A

M1 Finance Getting Started Blog: https://www.m1finance.com/blog/tag/getting-started/

[towelietrades]

Trade War Demands from Trump to China

This is from 2018 but doubt it has changed much, if any.

[towelietrades]

Some great info in the images on Pivot Points from a user/mod on TradingView. The info below is copied from their explanation of it using BTC as an example.

Signup for TradingView: http://bit.ly/tradingview1

Chapter 2: ''Mid''  Pivots  or Mid Points. Math:   Simply 1/2 of the two Main  Pivots  nearby. Order:   M-1 is halfway between Support2 and Support1. M-2 is halfway between Support1 and Central  Pivot   and thus M-3 and M-4 are above Central  Pivot , counting UP. Not sure why it is done this way, but you get used to it Use: Mid  Pivots  are used by many traders, and sometimes called 'Minor'  pivots . They often cause a break/turn, especially if near another time frame  pivot . I add a mid  pivot  if price is near the range, to gauge the effect in detail. Scalpers should just get in the habit off adding them each week/month. Time Frames: For Mid  Pivots  I usually only add to Monthly and Weekly. One could add to Daily as well, and that would be valid. I add Daily if I am performing surgical precision analysis. My Application: MID-Pivots are NOT in the TV indicator ''Pivot Points Standard''. So I add them manually, with a fib to find 50% between two main points. Hopefully TV will ad a  Pivot  indicator with Mid  pivots  soon. There may be indicators created by Users, that include Mid  Pivots   For this tutorial I wanted to use readily available TV features.

[towelietrades]

M1 FINANCE - 9/20/2019

Make sure you get on board! Read everything above in my initial message.

FREE $10 with sign up & funded account: https://mbsy.co/p982f

[towelietrades]

Charting Indicators

I’ve received quiet a few questions on what indicators I use I figured I’d try to list the ones I use below. Also should note I primarily use Trading View Pro to chart (it is a paid plan, I believe the free version doesn’t offer real time intraday data) Sign up here: https://tradingview.go2cloud.org/SH3te

I do also use ThinkOrSwim time to time but love the simplicity of Trading View; therefore every indicator below is in reference to the Trading View version of them. I also tried to add a link to what each indicator means by clicking on the name of the indicator.

1 MINUTE CHART SETUP

(I only use the standard candles for the 1m chart) VWAP Ichimoku Cloud (9, 26, 52, 26) Pivots (Fibonacci, Auto, 15) Moving Averages (34 ema, 200 sma. 9 sma, 20 sma)

One indicator I rarely use on this 1m chart is called the River (2) also known on search in Trading View as “River Scalping” by user sgtview, I want to learn more about it before I dive into it more.

1 - 3 - 5 MINUTE CHART SETUP

(I flip between these time frames to see the full picture, I typically use the Heikin candles on this chart only) RSI (14, close) MACD (5, 9, 5) Fisher Transform (9, 1) -- Compliments of TeK from BlackBoxStocks

If I’m looking at a long position (more than a few months, or looking to hold commons) I will typically try to view the 1hr or 1wk chart to see an overview of if it’s a good position to enter or not. I use the 1m and 5m for intraday trading for my scalps, swings or day trades.

Here is a copy of the above: https://www.tradingview.com/chart/EbJ9OTp1/

If you have Trading View Pro you should be able to save a copy of it. If you haven't signed up for it yet, I do see a small little kick back to be able to buy myself a coffee. Sign up here: https://tradingview.go2cloud.org/SH3te

[towelietrades]

188 | Budgeting Mistakes

Joshua talks about earning income, managing money, financial willpower, budgeting mistakes, and what it means to live a “rich” life with aut

Great podcast episode around budgeting, expand your mind into the new week.

[towelietrades]

(via Warren Buffett - HBO Documentary HD - YouTube)

Another great video to watch on your Labor Day.

[towelietrades]

(via YouTube)

I found this video very interesting to watch, highly suggest it to anyone willing to expand their mind and learn.