Thank you. Thank you very much. Thank you very very much thank you very very much. Happy new year to all of you. I hope you have recovered from the celebration and are ready do you get back to work. It is going to be a challenging year. 2020 cayman, and it didnt take long before we all realized that challenges will coming our way. In earthquakes, and puerto rico which was the last thing aland need it after everything they have gone through pretty you very sent people to help. Bullets people of puerto rico to know that we are 100 percent behind them. We always have been and we always will be. [applause]. We will on the first plane that went puerto rico after hurricane maria. We will be going back to puerto rico with new yorkers once again to help them and i am proud of that. [applause]. These are frightening times and what we see going on with iran and the possible ramifications of that escalating conflict. Possible consequences and precautions that we have to take care and estate becau
I hope you have recovered from the celebration and are ready do you get back to work. It is going to be a challenging year. 2020 cayman, and it didnt take long before we all realized that challenges will coming our way. In earthquakes, and puerto rico which was the last thing aland need it after everything they have gone through pretty you very sent people to help. Bullets people of puerto rico to know that we are 100 percent behind them. We always have been and we always will be. [applause]. We will on the first plane that went puerto rico after hurricane maria. We will be going back to puerto rico with new yorkers once again to help them and i am proud of that. [applause]. These are frightening times and what we see going on with iran and the possible ramifications of that escalating conflict. Possible consequences and precautions that we have to take care and estate because we are in new york we have people who would like to make us part of a terrorist example. But in the meantime,
Year. 2020 cayman, and it didnt take long before we all realized that challenges will coming our way. In earthquakes, and puerto rico which was the last thing aland need it after everything they have gone through pretty you very sent people to help. Bullets people of puerto rico to know that we are 100 percent behind them. We always have been and we always will be. [applause]. We will on the first plane that went puerto rico after hurricane maria. We will be going back to puerto rico with new yorkers once again to help them and i am proud of that. [applause]. These are frightening times and what we see going on with iran and the possible ramifications of that escalating conflict. Possible consequences and precautions that we have to take care and estate because we are in new york we have people who would like to make us part of a terrorist example. But in the meantime, we pray for the what women and men who are in uniform and may god keep them all safe wherever they are. [applause]. We
Creeping up every day, you cannot have Mortgage Rates about the climb and you cannot risk having them look the wrong way if things are getting weaker sooner than expected. How terrible are the inputs, really . The stocks have been down so harshly with the dow looking. 9. 5 . Yes but not because the terrible reality. A little for the most part was he can suck consequential. Payroll port, then will shift again everybody starts and will quickly cut interest rates. To stem some sort of hard landing. Longterm rates which have been climbing higher since late last year it will probably top out around these levels in the 30 year 4. 5 . What really matters is that we have not in so long that we have forgotten how to. Tonight, lets go over the rules of the road. Yes, more rules for dealing with. What you have to do first . You have to identify the real reasons for the decline coming up headlines. We know rates have gone up. We need to decide whether the move is significant. Historically is that
[inaudible conversations] can you hear me . I am the director here at the bookstore. Ctor here at the bookstore. How many have never been here before . That gives me this opportunity detoured tell you how we work. A Keeling Community living with and affected by hiv aids the relentless advocacy the provision of lifesaving services to sustain those efforts. As long as all of the Thrift Stores that means everything here is donated that way all money we raise goes directly to our fundraising efforts. Most people are booksellers over bartenders that helps us to make all proceeds go to health care and advocacy and other services living with hiv aids. It is also a key part of the fundraising for that mission. For those that help was attend events those that donate the books that they give us books for free as part of the fundraising so we encourage you to purchase as many books as you would like in the store. Also by donating were volunteervolunteer ing your time or renting out the space for