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Form 8K Federal Home Loan Bank of Des Moines For: 14 April

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BUCK Offers A 7.55% Yield, But Don't Ignore The Competition

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BUCK Offers A 7.55% Yield, But Don't Ignore The Competition

BUCK Offers A 7.55% Yield, But Don't Ignore The Competition

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From Shop Floor to JPL Leader

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From Shop Floor to JPL Leader

Timothy Bradbury Monzello’s career didn’t start in a classroom or a corporate office. It started with tools, machines, and long hours on the shop floor.

Over time, he built a path that led all the way to NASA’s Jet Propulsion Laboratory. His story is not about shortcuts. It is about steady growth, technical skill, and leadership earned through experience.

Today, Monzello stands out in manufacturing and operations for one simple reason: he understands the work from the ground up.

Early Life and Work Ethic

Tim Monzello grew up in Southern California during the 1960s and 70s. His early years shaped his mindset. After losing his mother at age 10, his father raised him and his siblings alone.

That experience stayed with him.

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“I learned early that you have to keep moving forward,” he says. “No one is going to do the work for you.”

As a teenager, he spent time playing piano and studying martial arts. Both required discipline. Both carried over into his career later in life.

Education and Technical Foundation

Unlike many professionals, Monzello did not take a straight path through school. He returned to education after working for several years.

“I didn’t rush it,” he says. “When I went back, I was serious about learning.”

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He earned two degrees from Citrus College in 1996. One in Electronics. One in Language Arts. That mix of technical and communication skills would later prove valuable.

He continued his education while working full-time. He earned a Bachelor’s degree in Business Administration in 2009. Then an MBA from Arizona State University in 2012.

Along the way, he built a strong technical toolkit. His certifications include Lean Six Sigma Green Belt, advanced GD&T, supply chain management, and multiple Oracle systems.

“I always believed that the more you understand the system, the better decisions you can make,” he says.

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Hands-On Experience in Manufacturing

Before stepping into leadership, Monzello spent years doing the work himself.

He worked as an auto mechanic. He worked in machine shops. He handled roles like OD/ID grinding, CNC machining, and programming for mills, lathes, punch presses, and waterjets.

This was not theoretical work. It was real production.

“I’ve been on both sides,” he explains. “I’ve done the hands-on work, and I’ve managed teams doing it.”

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He moved into leadership roles over time. Foreman. Shift Supervisor. Plant Manager. Quality Control Manager.

Each step added responsibility. Each role added perspective.

He also launched his own business for nearly three years. That experience gave him a direct view into operations, risk, and decision-making.

“Running your own business teaches you quickly what works and what doesn’t,” he says.

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Career at NASA JPL

Monzello’s career reached a new level when he joined NASA’s Jet Propulsion Laboratory.

He spent 19 years there.

His first role was Master Production Scheduler. It required precision, planning, and coordination across complex systems.

Later, he moved into the Manufacturing Engineering Group. He became a Group Lead.

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“At JPL, everything matters,” he says. “There is no room for error. You learn to think ahead.”

During his time there, he received multiple NASA honors. These included team awards and a leadership award. These recognitions reflected both technical performance and team impact.

His work at JPL was not just about processes. It was about people.

“You can have the best plan in the world,” he says, “but if your team isn’t aligned, it won’t work.”

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Teaching the Next Generation

While working at JPL, Monzello took on another role. He became an Adjunct Professor at El Camino College.

He has now taught for over 11 years.

His courses focus on manufacturing, machine tool technology, and related topics. Today, he teaches asynchronous online classes.

“I enjoy helping students connect the theory to real-world work,” he says.

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His teaching reflects his own journey. Practical. Clear. Focused on real outcomes.

Leadership Style in Manufacturing and Operations

Monzello’s leadership style is shaped by experience, not theory.

He focuses on systems. He focuses on planning. But most of all, he focuses on execution and people.

“Details matter,” he says. “Small mistakes in manufacturing can turn into big problems.”

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He also emphasizes continuous learning. His long list of certifications is not just for credentials. It reflects a mindset.

“You never really finish learning,” he says. “The industry keeps evolving.”

His work in areas like GD&T and design for manufacturability shows a clear focus. Precision and efficiency drive results.

Life Outside of Work

Outside of his career, Monzello keeps a balanced life.

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He still plays piano, with a focus on ragtime music. He and his wife have attended events like the Scott Joplin Festival.

He also enjoys the outdoors. Camping, hiking, and travel are part of his routine.

“We like visiting historical sites,” he says. “There’s always something new to learn.”

He also gives back to the community. He volunteers at an assisted living facility.

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A Career Built on Consistency

Timothy Bradbury Monzello’s career is not defined by one moment. It is defined by steady progress over decades.

From machine shops to NASA. From student to teacher. From technician to leader.

His path shows how technical skill, education, and persistence can work together.

“It’s about staying consistent,” he says. “If you keep improving, the opportunities come.”

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In an industry that depends on precision and reliability, that mindset stands out.

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QQQI Vs. QDVO: Income Challenges Growth, But QDVO Still Leads

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QQQI Vs. QDVO: Income Challenges Growth, But QDVO Still Leads

QQQI Vs. QDVO: Income Challenges Growth, But QDVO Still Leads

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Harmony Biosciences Holdings, Inc. (HRMY) Presents at 25th Annual Needham Virtual Healthcare Conference Transcript

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OneWater Marine Inc. (ONEW) Q1 2026 Earnings Call Transcript

Harmony Biosciences Holdings, Inc. (HRMY) 25th Annual Needham Virtual Healthcare Conference April 13, 2026 9:30 AM EDT

Company Participants

Jeffrey Dayno – President, CEO & Director
Adam Zaeske – Executive VP & Chief Commercial Officer
Kumar Budur – Executive VP and Chief Medical & Scientific Officer

Conference Call Participants

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Ami Fadia – Needham & Company, LLC, Research Division

Presentation

Ami Fadia
Needham & Company, LLC, Research Division

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Good morning, everyone. I’m Ami Fadia, biotech analyst here at Needham. It’s my pleasure to be hosting the Harmony Bioscience team today. I have with me Jeff Dayno, who’s the CEO of the company; along with Kumar Budur, Chief Scientific Officer; and Adam Zaeske, Chief Commercial Officer. Thanks, all 3 of you for taking the time to be with us today.

Question-and-Answer Session

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Ami Fadia
Needham & Company, LLC, Research Division

Maybe if I could ask Jeff, if you could kick us off with some opening remarks, some priorities for this year, and then we can take it from there?

Jeffrey Dayno
President, CEO & Director

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Yes. Sure, Ami. Yes, Ami. And on behalf of the Harmony team, thank you once again for the invitation to Needham’s Virtual Healthcare Conference. And we are very excited for what is coming this year, that sets us up for both near-term and long-term growth and value creation. As for some of our key priorities, just to sort of walk through, starting with WAKIX. So we are on track to achieve over $1 billion in net revenue for WAKIX in its sixth year on the market, which provides us with a very solid foundation, I think, as many are aware.

In our pitolisant next-gen programs, pitolisant GR gastro-resistant is on track for NDA submission this quarter to extend the pitolisant franchise with a target PDUFA date in the first

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Amazon to spend $11bn on satellite firm in growing Starlink rivalry

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Amazon to spend $11bn on satellite firm in growing Starlink rivalry

Amazon wants to get thousands more satellites into orbit to offer internet and mobile services.

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Entrepreneur Sara Davies teams up with sister to launch new business podcast

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Business Live

Mind Your Business aims to champion small business owners, workers and entrepreneurs

Sara Davies in the studio

Sara Davies in the studio(Image: Sara Davies and Helen Goddard)

Former Dragons’ Den star Sara Davies has teamed up with her entrepreneurial sister to launch a new light-hearted podcast aimed at small business owners. Sara and younger sister Helen Goddard have launched Mind Your Business, a weekly podcast which aims to offer down-to-earth advice and constructive light relief for small business owners and entrepreneurs.

Helen owns and runs The Decorating Centre Online (DCO) in Durham, while former Strictly star and TV presenter Sara owns Crafter’s Companion alongside investments in a host of companies – some of which she backed in her Dragon days – so they have more than 30 years of combined business experience to pass on to listeners.

And they told how they are on a mission to make small business owners and workers feel supported, seen and empowered to grow. It comes as latest figures show that over 99% of UK businesses are SMEs, and Mind Your Business aims to spotlight and lift up the millions of people running or working in them, helping them to navigate the small stuff and the big obstacles, with lots of good humour.

Each week, Sara and Helen share insights and actionable tools, while providing a moment to step out of regular work-think routines and chat through everything from the realities of being your own boss, LinkedIn vs reality, and managing cash flow, to staffing, imposter syndrome and how to maintain that tricky work-life balance.

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The siblings follow the same strong work ethic but have so far enjoyed very different careers, so they each bring their own perspectives to the table. Helen’s corporate background was in the automotive industry before taking over the family business DCO 10 years ago, growing it to 15 times the size, and she knows all too well what challenges small business owners face.

Helen Goddard and Sara Davies have launched a new business podcast

Helen Goddard and Sara Davies have launched a new business podcast(Image: Sara Davies and Helen Goddard)

Meanwhile Sara applies her lens of entrepreneur, investor and mentor to small businesses. Mind Your Business podcast will also have a community on Facebook, where small business owners and workers can share their own advice, celebrate wins, and connect with like-minded entrepreneurs as well as contribute to a bonus weekly Q&A episode.

Sara said: “I’m so excited that Mind Your Business is finally out there and I’m delighted to be working with my sister on something so close to our hearts. We want to have conversations that truly speak to the 16.6 million people in small businesses about what’s important to them. You could own a florist, work as a plumber, be launching a marketing agency or running a catering service. These people are the backbone of our economy – working during challenging times – and deserve to be championed, supported and hopefully helped on their way as they grow.

“Our Helen and I want to offer a safe space each week in the podcast and community where we can all learn by sharing our learnings, losses and wins – but over a brew, not a boardroom table!”

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Helen added: “Running a business myself, I’m aware of how isolating it can be. There are millions of us out here in similar situations – working long hours, juggling family life, or trying to get an idea off the ground. I’m passionate about bridging the gap in community and offering real talk about the nuts and bolts – and the highs and lows. Mind Your Business is aimed at people just like me and hopefully we can be part of something that has a meaningful impact on our working lives and helps celebrate the achievements so many of us can overlook.

“We are from a business-focused family and we’re literally recording in what used to be our Sara’s office and before that, Sara’s first bedroom! So do expect the odd input from our mam and dad – or more likely just them popping in to tell us the roast is nearly ready.”

The first two episodes of Mind Your Business are available to listen to now on all major podcast platforms.

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Building a Career in Modern Endodontics

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Building a Career in Modern Endodontics

A Career Built on Curiosity and Care

Erin Waid did not take a straight path into dentistry. Her career evolved step by step, guided by curiosity and a strong interest in patient care.

“I’ve always been drawn to helping people in a hands-on way,” she says. “But I also wanted to understand the science behind what I was doing.”

She grew up in Belle Chasse, Louisiana, just outside New Orleans. Her early life was shaped by both discipline and education. Her father was an attorney. Her mother worked in early childhood education. That balance of structure and care would later show up in her work.

In high school, she ran cross-country. “That taught me consistency,” she says. “You don’t see results overnight. You show up every day.”

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That mindset would follow her through a long and demanding academic journey.

Education Path: From Biology to Dentistry

Waid began with a Bachelor of Science in Biology from the University of Portland. At that point, dentistry was not yet the goal.

Instead, she pursued nursing. She earned her Master of Science in Nursing from Seattle University and trained as a Family Nurse Practitioner.

“I wanted to understand the whole patient, not just one system,” she explains.

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Her performance stood out. She was nominated for the Graduate Student Excellence Award, based on academics, leadership, and community work.

But over time, her interests shifted.

“I started to realize I wanted to work more with procedures and problem-solving,” she says. “Dentistry gave me that.”

She enrolled at Oregon Health and Science University (OHSU) and earned her Doctor of Dental Medicine. During that time, she received multiple honors, including the Dean’s Research Scholarship and an award in Oral Biology.

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Her research focused on early childhood dental care. “I was interested in why some treatments worked differently across patients,” she says.

That interest in detail and precision led her to specialize further.

She completed her endodontics residency at OHSU, where she also contributed to research later published in 2025.

Career Timeline: From Clinics to Specialization

Waid’s early career reflects a wide range of clinical experience.

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She began in research roles, working as a Research Assistant and later as a Clinical Research Coordinator. These roles exposed her to patient monitoring, data collection, and clinical protocols.

“It taught me how to think critically,” she says. “You don’t just follow steps. You ask why.”

She then worked as a Family Nurse Practitioner in dermatology and medical aesthetics. Her work included treating skin conditions and performing cosmetic procedures.

From there, she moved into dentistry full time.

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At OHSU’s Russell Street Clinic, she worked as both a General Dentist and Assistant Professor. She treated patients while also teaching dental students.

“I enjoyed mentoring,” she says. “It forces you to stay sharp and explain your thinking.”

She later worked in emergency dental care, handling urgent cases like trauma and infections.

“That environment teaches you to make fast, accurate decisions,” she explains.

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In 2024, she stepped fully into her role as an endodontist. Today, she practices at Salem Endodontic Associates and Multnomah Endodontics and Microsurgery.

What Does an Endodontist Do?

Endodontics focuses on the inside of the tooth. This includes the pulp, nerves, and root system.

Waid’s daily work involves diagnosing tooth pain, treating infections, and performing procedures like root canals and microsurgeries.

“A lot of patients come in anxious,” she says. “My job is to solve the problem and make the experience manageable.”

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Her background across nursing, research, and general dentistry gives her a broader perspective.

“I look at the full picture,” she explains. “Not just the tooth, but the patient’s history and concerns.”

Leadership in Dentistry and Research

Waid’s career shows a pattern of steady progression and depth.

She is a member of the American Association of Endodontists and the Marshall Baumgartner Endodontic Study Group. These groups focus on ongoing education and collaboration.

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She also continues to stay connected to research.

“Dentistry changes fast,” she says. “You have to keep learning.”

Her published work and academic background support that approach. She is not just applying existing methods. She is also contributing to the field.

Philanthropy and Community Work

Outside of clinical work, Waid has been active in community service.

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From 2018 to 2021, she served on the Ryan White Planning Council in Multnomah County. The group helped decide how to allocate $3 million in federal funding for HIV/AIDS programs.

“That work gave me a different perspective,” she says. “It’s about impact at a systems level.”

Earlier in her life, she was involved with the Seafair Organization in Seattle. She served as Miss Seafair and later mentored young women in the scholarship program.

“It was about building confidence and communication skills,” she says.

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A Practical Approach to Growth

Waid’s career is not defined by one big leap. It is defined by consistent progress.

She moved from research to nursing, then to dentistry, and finally into a specialized field. Each step built on the last.

“I didn’t plan it all at once,” she says. “I followed what interested me and where I could grow.”

Today, she continues to focus on patient care, technical skill, and ongoing learning.

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Her interests outside of work are simple. She enjoys running, golfing, and spending time with her family.

“It helps me stay balanced,” she says.

Final Thoughts: A Career Built Over Time

Erin Waid’s path shows how careers can evolve through exploration and discipline.

She combines clinical skill with research, teaching, and community involvement. That mix has positioned her as a steady presence in her field.

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“I think success comes from staying curious,” she says. “And being willing to keep improving.”

Her story is not about shortcuts. It is about showing up, learning, and building expertise over time.

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Genenta Science receives Nasdaq notice on minimum bid price compliance

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Genenta Science receives Nasdaq notice on minimum bid price compliance

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Prudential Financial: Recent Pullback Provides A Buying Opportunity In Subordinated Notes

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Prudential Financial: Recent Pullback Provides A Buying Opportunity In Subordinated Notes

Prudential Financial: Recent Pullback Provides A Buying Opportunity In Subordinated Notes

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Structure Therapeutics names Matthew Lang as COO and counsel

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Structure Therapeutics names Matthew Lang as COO and counsel

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