Youtube daily is it Feb 2 2018

It is next to impossible to avoid hearing or reading about bitcoin.

Within the past decade, it has gone from being a fringe idea proposed in a paper written

by a mysterious author, to being a mainstream technology that some people are treating as

a new asset class.

Bitcoin is now getting attention from the media, individual investors, and even large

financial institutions.

As bitcoin continues to surge in both popularity and price, investors will naturally wonder

if they should own some.

This is an important question to ask, but to frame the decision about owning bitcoin,

we first need to know what Bitcoin is.

I'm Ben Felix, Associate Portfolio Manager at PWL Capital.

In this episode of Common Sense Investing, I'm going to tell you about bitcoin.

Bitcoin is a cryptocurrency.

Cryptocurrencies are a relatively new technology that has emerged within the past decade.

Unlike traditional currencies, cryptocurrencies do not rely on a central issuing body or sovereign

government.

Instead they rely on blockchain technology.

The blockchain is an open, distributed ledger that records transactions in a way that is

public, verifiable, and permanent.

While there are now countless different cryptocoins available, Bitcoin was the first, and it continues

to be, by far, the largest cryptocurrency by market capitalization.

You can buy bitcoins using traditional currencies, or you can mine them.

Mining means receiving newly created bitcoins in return for using your computer power to

compile recent transactions into new blocks of the blockchain by

solving a complex mathematical puzzle.

There is a finite supply of bitcoin, with a total of 21,000,000 that can be mined.

More than 16,000,000 of those are currently in existence.

For a long time, cryptocurrencies were pretty obscure, and mostly popular

within a very niche crowd.

More recently, the sharp increase in the market value of bitcoin and other cryptocurrencies

like Ripple, Litecoin, and Ethereum has contributed to intense attention from the media and investors.

Being such a new technology, it is challenging to draw evidence-based conclusions

about what bitcoin is.

We can try to work around this issue by finding things with longer histories that bitcoin

might share characteristics with.

On his blog, Aswath Damodaran, a professor of finance at NYU, explains that things can

fall into one of four groups: a cash flow generating asset, a commodity, a currency,

or a collectible.

Damodaran goes on to explain that Bitcoin is not an asset, since it does not generate

cash flows.

It is not a commodity, because, at least for now, it is not raw material that can be used

in the production of something useful.

This leaves currency or collectible, and of the two it is most likely that bitcoin could

be classified as a currency.

A successful currency needs to be three things: a unit of account, a medium of exchange, and

a store of value.

As a unit of account, bitcoin is as good as anything.

As a medium of exchange, bitcoin is still far being accepted as mainstream for transactions,

and where it is accepted transaction costs are high.

Bitcoin has struggled as a store of value due to its significant price volatility.

While bitcoin has room to improve as a currency, we might be able to

look at it through this lens.

There is one other currency in particular that draws comparisons to Bitcoin: gold.

Gold would be considered a currency, not a commodity, because its value comes mostly from its

currency-like functions, not its use as a raw material to produce something useful.

Like Bitcoin, the amount of gold that can exist is finite.

As a currency, gold also has high transaction costs, and a volatile price.

It seems like Bitcoin could be a digital substitute for gold.

But not everyone agrees.

In a Medium post, Adam Ludwin from Chain, a company that builds cryptographic ledgers,

explains that he views bitcoin not as a currency, but as a new asset class altogether.

He does not think that cryptocurrencies should draw comparisons to traditional currencies

because their use case is so much different.

Ludwin explains that in much the same way that stocks and bonds serve public companies,

cryptocurrencies serve decentralized applications.

A decentralized application is a service that no single entity operates due to its utilization

of the blockchain.

Ludwin explains that, in general, a decentralized application allows you to do something that you

can already do (like make payments, in the case of Bitcoin) but without the need for

a trusted central party.

The growth and acceptance of decentralized applications could mean enormous growth in

the value of the cryptocurrencies that serve them.

Damodaran believes that bitcoin could take one of three paths in the future:

It could become the global digital currency, in which case it's high price could be justified.

It could become like gold for millennials,

a seemingly safe place for those who have lost faith in centralized authority.

In this case, the price would fluctuate, much like gold does.

Lastly, it could prove to be a 21st century tulip bulb.

A comparison to a speculative asset that soared in the 1600s before collapsing completely.

I have just told you that bitcoin can draw comparisons to traditional currencies like

gold, but it could also end up being a whole new asset class if

decentralized applications take off.

Or, it could fizzle out.

Interesting, right?

I know I haven't answered what you're really wondering.

Should you invest?

I will be talking about that in my next video.

Thanks for watching.

My name is Ben Felix of PWL Capital and this is Common Sense Investing.

I'll be talking about a lot more common sense investing topics in this series, so

subscribe, and click the bell for updates.

I'd also love to read your thoughts and questions about this video in the comments.

For more infomation >> What is Bitcoin? | Common Sense Investing with Ben Felix - Duration: 5:31.

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Why Blockchain Is NOT Bitcoin. Simply Explained - Duration: 6:13.

For more infomation >> Why Blockchain Is NOT Bitcoin. Simply Explained - Duration: 6:13.

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Please comment about the family of this worm

Please comment about the family of this worm

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Babe's Cowboy Dummy Is Back Where It Belongs - Duration: 2:02.

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A VEGAN TELLS IT HOW IT IS | REYKJAVÍK INTERVIEWS (UNCUT) - Duration: 14:07.

Hey, Birkir here

We're going to ask people what they think about this picture right here and what is actually represents

Honestly

Think that this picture is quite sad

But it's a reflection of the society and reflection of of the reality that we live in but, because eventually...

Human beings they evolve, they change

the attitude towards the nature towards animals etc and

And it's a little bit sad that pets are perceived in certain ways and the other animals are perceived in

Another way, but it's also it doesn't happen overnight. It's also a process, and I think it's going to take its time, and it's not

From one day to the other a lot of people has changed the attitudes toward

This the information is it's becoming more and more accessible nowadays

So who knows I might become a vegan soon as well

So so you think the world is changing and that it should change - towards like loving all animals

Instead of just...Of course. I mean because at the end of the day if they are a

beings with with

Sentiments and with feelings no matter how

No matter how different they are but the living beings yeah, so so I'm I'm totally

for it

but it's all it also has to be in a part in a way that we can do it because

There is struggle as well in terms of finding the right food in certain places

The way that you get access to it the amount of money is bad

I'm sorry

I like I think if people

want to change... because this is hypocritical. You cannot say you love animals if you go kill them

you don't need to kill them yourself. If you pay for someone to kill them you're a part of the system. You're a part of the

hypocrisy. So when people say "I love animals" while they eat their bacon I think they're just hypocrites

But I think the society's brainwashed to believe certain things and we turn a blind eye

to

What's really happening, and because you're not killing you the animal yourself therefore. "Oh, I'm not doing anything wrong"

"Oh, culturally.. "Oh back in the caveman where.." it's all bullshit. You know, it's just society where, you know, as a society

we're brainwashed. Formatted to behave a certain way because

Capitalism say so, and in industry's corporate say so. I became vegan five years ago

Probably the best thing I ever done in my life

And I've done some pretty cool stuff. Most vegans would say that it's the best thing that they..

Tell me one vegan that doesn't love and is not passionate about being vegan. Exactly, it's not like we're crazy

"So you guys try to put.." you know. No! we just really believe it

We fill it you know in every single cell of my body

I've never felt healthier. I've never felt

You know my mind, and my spirit, my ethics are together in line with who I really am

I'm contributing for a sustainable world. I mean tell me one bad thing about being vegan

One - yeah

No, I absolutely agree otherwise. I wouldn't you know I you could see the way that I started the conversation as well

I'm trying to be diplomatic because it doesn't mean if you eat meat

You're immediately a bad person, and it immediately makes you feel makes you be against animals and trying to find excuses

No, it's not like that. It's the way that society has been constructed for centuries and it cannot happen overnight of course

I respect people that that manage to do it and they do it, but of course

I don't think that pushing your way of doing things towards the others in an

Aggressive way because because some vegans are quite aggressive about it and quite vocal about it

I think everyone needs the space and needs day time

That's the whole the difference between humans are about but I absolutely agree with whatever she said and I absolutely

Think I think this is the way it should be yeah,

There's definitely some, like vegans can be really pushy

But if you think about it from the animals point of view if you were in the animals shoes

Would you want somebody to be pushy for you and aggressive to people to change or?

I don't think it's about being pushy or aggressive.

and I'm not saying that people, I mean I ate meat for like almost 25 years of my life

And milk and everything, so I chose not to see it

So I'm not saying people are bad or wrong, like I mean

I don't see it as much different from, for example, if you look back 200 years ago, they had slavery

Yeah, exactly you know it's not that different

But like I think it's more comfortable to be a non vegan or non vegetarian person where it's like

"Oh, yeah, you know you guys are trying to push it on another", like No. We just literally see something that is so wrong

It's just so against everything like because we love animals. Human beings are compassionate, you know

But we we choose we definitely choose to turn a blind eye to the to the, to what's happening

And and and but that's an argument that people use "oh you guys are very pushy very.." No, we literally see.. I didn't say you guys

I said some vegans, and I think you have to agree with me. I'm sorry, but you have to agree with me

Like imagining 200 years or years ago

And you see someone with, you know, with a (certain) skin color, being turned into slave

I mean how would you react to that? Wouldn't you be fighting passionately about, this is wrong, we need to do something

And I'm a 100% sure that the world is becoming vegan, things are changing massively, and I'm so excited

I mean looking five years ago and looking now

It's completely different, but I think you should go faster because we need it for to save the world

It's not even about the animals or our health, it's about saving the planet

I mean and we're in the right place to talk about that. I think it's gonna change massively now in 2018

Yeah last two years. It's just exploded everywhere

Supermarkets have like so much. I'm so excited. Here in Iceland, like I see the word vegan everywhere. I'm like, oh my god. It is amazing

I'm so happy. I'm so happy

It's veganuary this month so. Veganuary, yes. Yeah yeah.

Yeah, a lot of people are taking part. Yeah, so so what would you say that is?

What would you say the thing is that's stopping you from being vegan?

I think it's a really personal thing and I don't want to share my personal information

I mean, about it because it doesn't really have.. I don't really look for excuses

And if I do it, I would rather do it properly rather than just say okay

I will and then not doing it completely you know, so

For now I'm I'm happy with the way things are but I'm really planning to

To take the right steps towards it. Yeah, I have I have some information here. Yeah, we have a card

Yeah, we have a card here, and it has all the information about how to go vegan

And yeah the documentaries and whatnot you can check and inform yourself. Yeah, that's great. On how to be a healthy vegan, you know

Completely, I'm all for it and I said I have a huge respect for people who have done it as well

But I don't like when I'm not being respected back, and I don't like when when okay you are trying to find excuses

And you're not doing it

I don't like these kind of comments because because you don't know my situation nobody knows what the other person's shoes are

You know, so that's the thing. So here we have

If you want to have a challenge to go vegan, there's challenge 22.com. Okay.

And it's basically just people will help you out for free. I've seen a lot of it a lot of these

documentaries by the way, yeah, if you do the challenge you do a vegan diet for 22 days and people will help you out for free

Yeah. Earthlings is here as well. That was it, for me. Me too. *High five*. Five years ago, changed my life.

I also have seen a lot of

Most of these actually and of course we were well aware and you're doing a good job if you are making

Raising more awareness about it. Yeah. Thanks a lot, man

Now you mentioned earlier about like you want people to respect your like your choice

No, not my choice

But my space and what would at the time that I would like to take with it as well and the and it's I think

It's a bit disrespectful

saying that are you just trying to find excuses because

Just like just like I mentioned that a lot of vegans are pushing I

Know some of the vegans are pushy, so you have to say that you can also say that a lot of people make excuses

It's true

But like you know when people talk about being vegan

There's you know like I understand maybe five years ago was hard to find food. You know not anymore

I mean for example here there was no there was just sandwiches and there was no vegan sandwiches. Yeah

Yeah, but but but people talk like very often talk about how it's more expensive to be thinking that that's an excuse that's absolutely not true.

You know you have a choice, and and I think people will take their time and you know my might be sooner or later

but I think people eventually will understand the benefits not just for their health and

For the animals before the for the planet

And I think is you know one of the reasons probably doing this here is because we're in a place that you know is reminding us

of the problem of climate change and how that can be devastating

For the world really. And and animal factories is the number one cause and people don't talk about it

Only now people start to talk about it

It's like we know if you want to have the world left to lead for your our children our grandchildren

We better start taking precautions and going vegan it would be the number one thing to do you know yeah

I think most people are good people like well

It's not our fault that we were born into a society that thinks it's normal to eat other animals

Well even when we don't have to

So I think people are just waking up to it, and and most people are good people like I say and this gonna take

Yeah, I think a good person. Thank you

Thank you. We don't really know each other each other you know, but I think it's just..He is a great person!

Yeah, but, it's it's I think it's human nature a to

To to be blinded by certain things or to just go with the flow etc

And it takes time to wake up and some people take more than the others

I still don't see myself as a slowest thinking person in this aspect because I because I really look

I'm aware of what's going on in the industry. I'm aware of how the animals suffer

The money that pharmaceutical companies make also on the whole meat producing industry and the money that the government makes as well

But so this is why it's it's such as it's a system. That is

Constructed this way and where we were raised like that, and it doesn't you know the change doesn't happen overnight

And I think if people that really believe in it, but but haven't done it yet haven't gone vegan yet, I think

They they cannot be treated as you know okay, you should do it, and now you know

Basically what we need to do is educate people right.

Educate people on the facts and how they personally feel about animal cruelty, right.

Most people would say they're against animal cruelty

Absolutely, and I think it's also a personal thing to explore and to to as you see I've seen pretty much all these documentaries that

You've got that you've given because because I have an interest in it

And I really want you know some some at some point to do it

but in but there are also a lot of people that don't even realize it and it's

important

The message that is being sent in general because you see the media is not really covering a lot this

Because the government's the they are quite against people going vegan as well

It's not the popular opinion

No, it's not, but so that's why it's good that you are making documentaries and and good luck with it

Thanks alot. Alright guys, thanks alot for the interview! You guys have been great.

You're very welcome. Thank you very much, well done aye

Yeah, thanks

If there somewhere we can watch it afterwards let us know yeah. It's on YouTube called the Vegan Iceland

Vegan Iceland? Ok.

A youtube channel. We've already done a few interviews outside and stuff yeah

Is there many vegans here in Iceland now, is it growing? How many?

Okay, I already have it. On Facebook the Facebook group is over 20,000 people now. Okay, it's great

Yeah, Vegan Ísland is the facebook group

It's this one right? yeah this one

You're going to come on there, for sure, this has been a good one

but I was also talking about because you know that people tend to be pushy on this subject, vegans...It's a passionate subject, yeah.

It's almost like you see the light, and you're like, "You have to see the same light, wake up!"

Yeah You're seeing animals being tortured, mutilated and killed

And it's happening in the billions, every week there's 1 billion at least killed

It's crazy. And we just close our eyes.

It's one thing that I have to mention that you have also been eating meat at some point. Yeah, yeah

I think it's it took you your certain path, and your certain way to find a way

And so you have to give space and respect to people that take time

That's that's why because I the first thing that I said and

immediately

And I would repeat is that I have a huge respect for people that has gone vegan because it's not an easy thing to do

So that's why I have a huge respect, and I hope to be respected back even though I'm not here yet. You know I

Think it's pretty easy to go vegan now. I think the hard part is the social aspect of it

Talking to your family and stuff about it and your friends.

Christmas, I've been begging for five years. Can we have a vegan Christmas? They're like "no". I'm like come on. I'll cook. It's just

Yeah, they're like not having it, but but then well

You know essentially I believe like I can tell I can tell I can see the difference is is massive so exciting times. Anyway anyway

Any vegan restaurants?? Any good vegan restaurants to have here? Yeah, do you have happycow? (app)

For more infomation >> A VEGAN TELLS IT HOW IT IS | REYKJAVÍK INTERVIEWS (UNCUT) - Duration: 14:07.

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Think Slavery is a thing of the past? Sadly not - it's here, now, in Newcastle #SpotTheSigns - Duration: 3:37.

Currently in the world it's estimated there are about 40 million people in

slavery conditions. Here in the United Kingdom it's estimated that it's about

13,000 but that is a very conservative estimate, so these are people who are

being traded as a commodity, exploited and actually not paid or given their

freedom. So, it's a major issue here in the United Kingdom but also it's

an issue here, in Newcastle. It's shocking to believe that in this country we have

people who are in slave trade conditions. We think that this is in the history

books and the days of Wilberforce are long gone but actually it's alive and

kicking, and it's alive and kicking here very much in Newcastle. Q. This will

seem inconceivable to people. Is it something that's happening under our

noses, out in the open, or are these people hidden away? What's the picture?

Well sometimes it is hidden - but sometimes it's hidden in plain sight. So,

when you look around this city, which is a great city, you know; you think about

people working in car washes, in nail bars; are they being properly

treated? Is it possible to have half a dozen people washing your car for

whatever the price is, who maybe foreign nationals? So it could be there in plain

sight; if there is a nail bar, you know, what do the people look like there? What

are their ages? How do they interact with people who go there? And of course, where

we have businesses that are operating properly, car washes and nail bars and

other premises, those are the ones we should use. But then also, this

is about fairness, and when you think about the people here in Newcastle,

they very much stand for fairness and they want people to have their fair

chances. Well, this is where people don't have those fair chances, so you know we

may talk about it in technical terms, we may talk about it as exploitation, as the

Modern Slavery Act, but a lot of it is about is someone being fairly treated

and fairly paid in their working conditions or their life? If they don't

have freedom, if they don't get their rights, if they're being exploited and have

become a commodity for someone else to use to make money in a really abhorrent

way, then that's what modern slavery is and I don't think that should exist

anywhere in the United Kingdom or anywhere in the

world. If you see something where you think somebody is being exploited in

their workplace - in the conditions, that look like they're not being paid, or

looked after, or they haven't got their freedom, then inform the authorities,

inform the local authority or the police or you can contact the Modern Slavery

Helpline so there's a number of things you can do. If you see a nail bar where

you think 'those people who are a bit young working there', or there's people

that don't have their freedom, or there is somebody watching over them, contact

the local authority; let the authorities take action. But also, if you see things,

boycott them. If you see a car wash and you think 'actually, that doesn't look

right', you know there are people there, they're not wearing protective gear, the

electricals do look poor - there was a car wash in London where somebody died due

to dangerous electricals - so then boycott those, and use the good premises. So

there's a lot the community can do. But also, make this

unacceptable. In the UK we've made other crimes unacceptable, you know if we look

at the journey we took to make domestic violence unacceptable, it took a journey.

Let's not take a long time to make this unacceptable. Everyone in the community

should be saying 'we don't want people exploited in the workplace. We don't want

people treated unfairly. We don't want people used to commit crimes

whereby they are being exploited, and we are going to make sure that they are

protected'.

For more infomation >> Think Slavery is a thing of the past? Sadly not - it's here, now, in Newcastle #SpotTheSigns - Duration: 3:37.

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C9 Tarik: "it's all mentality. I think CS is about how you think and feel in the moment" - Duration: 3:12.

Well I had—I don't have it anymore, but long story, I don't have it— I had a Turkish

Delight AK, which I had for probably three years, and I have another skin, which maybe

I shouldn't say.

It's a knife, but—or it's a Glock, my Glock name right now.

I'm not going to say what the name is, but if you go look and you translate it from Turkish

to English, you can find out what it is.

I won't say it on camera.

Maybe the top teams might not be in their best form, because we just came off a break,

and these other teams might have been practicing while we were on break.

The top teams obviously travel so much that they don't have time to take off, while these

other teams may have been practicing the entire time leading up to the tournament.

So maybe they weren't in form and they weren't playing their best, and I think that has to

do with the reason there were so many upsets.

I think probably karrigan.

I think FaZe and us are somewhat of a similar roster.

We have a lot of talent, and it just comes down to putting it all together and playing

as one unit.

And I think if he took my spot, maybe he could fill in if everyone liked him.

I think it's all mentality.

I think Counter Strike is a lot about how you think and how you feel in the moment,

and we knew backs were to the wall, but we stayed positive and level headed, and it comes

down to just taking it game by game.

You can't think about oh, we're 0-2, we lose one more we're out.

You have to think about it as let's win this game, look forward to our next.

I didn't want to dwell on our negativity too much and just try to stay focused on what

we had coming up.

Like I said, we took it good game by game.

After our first game, we started to prepare for our second.

We knew who our opponent was after the draw, and we just went into the room, Soham pulled

out his laptop, and we started reviewing, talking about what we should do, and we were

confident at that point.

After we got one win under our belt, the momentum started to roll, and I think everyone was

feeling it more.

So once we get that confidence, that motivation going, that's when things start to turn around

for us.

I think my experience going through each team and learning a lot about how not only to play

the game, but about my teammates, and personalities, and how to deal with problecms, and how to

go about improving, and how to practice the right way.

I've been with so many different players that everyone has something to offer in their own

way, and if you take it as a learning experience, you can bring only that much to your next

team, right?

So from every team I've brought stuff onto this one, and I try to take everything with

me because it's all valuable stuff.

I think Valve has to you know put their... say what they want to happen.

I think they have to have more control over our scene.

I think they should set a schedule and say at this time of the year, there's going to

be a major.

At this time of the year, ESL can run their events.

And if they controlled it more, it would be much more organized for the players, and also

be better for the growth of the scene.

My greatest moment of 2017 is probably joining Cloud9, right?

I think joining Cloud9, we've had a lot of success here, and I think it's been a good

run we've had, and hopefully there's a lot more

to come.

For more infomation >> C9 Tarik: "it's all mentality. I think CS is about how you think and feel in the moment" - Duration: 3:12.

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BREAKING!! THEY FOUND IT!! Congressional Black Caucus Member Snuck In TREASONOUS Item to SOTU! - Duration: 6:48.

For more infomation >> BREAKING!! THEY FOUND IT!! Congressional Black Caucus Member Snuck In TREASONOUS Item to SOTU! - Duration: 6:48.

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Why the surveillance memo matters - Duration: 4:44.

For more infomation >> Why the surveillance memo matters - Duration: 4:44.

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BREAKING NEWS From Top Scientists…THEY FINALLY SAID IT!!!! THIS IS REALLY BAD!!!! - Duration: 3:35.

For more infomation >> BREAKING NEWS From Top Scientists…THEY FINALLY SAID IT!!!! THIS IS REALLY BAD!!!! - Duration: 3:35.

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BREAKING!! THEY'RE OFFICIALLY DOING IT!! The 'OFFENSIVE' National Anthem Is Being Changed!! - Duration: 5:14.

For more infomation >> BREAKING!! THEY'RE OFFICIALLY DOING IT!! The 'OFFENSIVE' National Anthem Is Being Changed!! - Duration: 5:14.

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What is a mortgage pre approval letter and what's it used for? - Duration: 4:04.

Welcome to Homebuyer's School,

brought to you by Brookfield Residential.

So hi everyone and welcome to another edition of Homebuyer's School.

Today I'm joined by Mujtaba Syed,

a mobile mortgage specialist with

TD Canada Trust, and today the

question we're gonna answer is, "What

does a pre-approval letter mean and what

actually determines that letter?"

So Mo, what is a pre-approval letter?

So a pre-approval letter is technically your approval letter is once you've gone

through the pre-approval process you've gone through the application process and

you have been pre-approved now, it's technically a letter kind of stating that,

kind of summarizing the whole conversation you might have had with

that lender, will break down your amounts that you're pre-approved for. It might

even have some of that CMHC or the insurance portion of it and I kind of

told you a little bit about the insurance part. So in Canada, if you're

putting less than 20% down, it is absolutely mandatory that we go with

something called default insurance which is something that banks kinda require

and it's something that kind of

safeguards them and safeguards kind of

like the real estate industry if there is a default that it is taken care of.

So your mortgage letter and your mortgage specialist should be able to

discuss that with you during the whole

process. We'll actually have that breakdown. Our pre-approval letter will

also have the interest rate breakdown, the one that you've discussed so there's

no confusion, there is no mistakes and we'll have that and it will actually be

signed by the lender. And there might be some conditions on there that you might

need to fulfill after the pre-approval. There might be conditions regarding the

application, the process that you had discussed, some things you might need

to work on. Those could also be on that letter.

How long does the letter last for?

Yeah the letter will have an expiry date on it, which is technically

the same amount as a pre-approval so which should last about 90 days.

Who would need that pre-approval letter? Yeah so nowadays a lot of real estate

agents - agents, brokers, builders who are working for you to help you find that

perfect home might require that letter. Once again, it just strengthens exactly

what you're looking for. It will help them make a decision for you and find

you the perfect home and also might be able to answer any

questions if they might have to see how ready you are to be able to purchase.

So should you get that letter before maybe talking to a salesperson with a

builder or even a real estate agent? Is that kind of the first things that you

want to get? Absolutely, I would definitely recommend

doing that, is getting that so once you are going, talking a salesperson at the Builder

or a real estate agent, you already know how much you're gonna get pre-approved

for and then they can start showing you. It definitely cuts down their time, it

definitely speeds up the process. There might be just an amazing house out there

for you, we want to be able to get-get you that house right away so that way

it actually just it makes it easier for everyone to have that letter so you can

present it, so even when they are finding that home, they feel confident in finding

you that home. Great, do you have anything else to add

in terms of pre-approval letters?

No, make sure it definitely that is signed,

it has all the conditions, all the terms

that you had discussed with the

the specialist. Make sure you're looking

at the interest rates because that's

very important. Make sure it's an interest

rate that you had agreed upon with the

lender or the specialist at that time. If

there's any discrepancies, make sure you

notice that and actually point that out

right away. There might be some things that maybe were missed during the

pre-approval process that could really impact your approval at the end, so we

want to make sure that once you get to a letter you've read it very thoroughly

and you're okay with everything on that letter before you proceed.

Perfect well thank you very much Mo, thank you very much everyone for joining

us and we'll catch you next time.

That's another edition of

Homebuyer's School. Tune in next time

for more expert tips and tricks and

visit www.homebuyersschool.ca to bring

you one step closer

to finding your dream home.

As with everything, it would be great if you

like and share our videos. Also please

let us know if you have any home buying

questions you want us to answer.

For more infomation >> What is a mortgage pre approval letter and what's it used for? - Duration: 4:04.

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'Kabul is a war zone' Famous actor says it's time to leave - Duration: 9:46.

'Kabul is a war zone' Famous actor says it's time to leave

Action movie star Massoud Hashimi has a painful cough, but its not caused by the dirty Kabul air.

Hashimi has a Kalashnikov round lodged in his ribcage that he needs swiftly removed.

The operation to remove the bullet from Hashimis chest is scheduled to take place overseas.

The 35-year-old actor has made numerous trips outside of the country, only this time he wishes he didnt have to come back.

For years, Hashimi has been a voice in Afghanistan -- in between the studio lights and theatrical fireworks -- urging its youth to stay in their homeland.

But no longer.

  A deadly encounter in the Intercontinental Hotel -- one of several recent attacks to transform the capital into what many say feels like a new frontline in the war -- has changed his message to Afghans to something starker: Get out while you can.

Kabul is not safe for anybody.

There is no hope.

I am not feeling secure even inside my house, he says pointing around his apartment.

Now Kabul has changed into a war zone, not a civil society for people to live in.

Every night I wake up in the middle of the night.     Death is coming Hashimi was discussing film projects in the hotels luxurious salon when the violence he was used to seeing in staged productions became very real.

I saw a German woman, very calmly listening to the music, he recalls.

They first shot that lady.

Its really hard to see someone killing people in front of your eyes.

Its unbelievable, unimaginable. The gunmen calmly moved through the salon, shooting dead in front of him two of his friends.

A bullet struck him in the chest.

  When the lights went out, Hashimi used his knowledge of the hotels layout to guide others into a dark room away from the fighting.

Once there, the group threw their cellphones away, so their vibrations, ringtones and lights wouldnt give them up, and waited for help.

For three hours.

We all kept silent in a corner.

I was bleeding, horribly bleeding.

Its very hard, you see your death is coming to you. The Afghan special forces then arrived.

The commandos, recognizing Hashimi, held their fire as he and 14 others emerged from their hiding place.

  Watershed moment Hashimi shifts awkwardly in his seat: One bullet here, he says, pointing at his ribcage.

But a long time ago, another bullet was in my leg.

So, its two gifts that Afghanistan gave me.

Now he wants out.

Surgery to remove the bullet in the Turkish capital of Istanbul first, and then perhaps America.

Stark words from a man who once implored other Afghans -- even on US radio in Washington D.C.

-- to stay, build and fight.

Most people welcomed me that I was encouraging people to stay in Afghanistan, he says.

  But Im not saying that again because I feel guilty if I do it publicly.

I am a famous person, so if I say something people may just accept it. Outside, the still Kabul air belies what should be the bustle and chaos of rush hour.

The decision by many to stay off the streets of Kabul follows a bloody 9-day period in which the Taliban attacked the hotel, ISIS hit a childrens charity in the east of the country, the Taliban used an ambulance as a suicide car bomb to kill over a hundred, and ISIS attacked a secure military academy.

  To some, the week of violence was a watershed moment.

For US President Donald Trump, it was a reason to set aside, temporarily at least, a key tenet of the US military strategy: The idea of talks with the Taliban.

The Afghan government has agreed, saying the attacks had crossed red lines. Political negotiations have remained a far-fetched prospect throughout the insurgency, but the open dismissal of them now has led many in Kabul to conclude that the situation is likely to worsen.

We are still in a bleak midwinter, with the violence of the summer months far off.

Yet already the city is at times panicked, at times deserted, struggling to adapt to its new, frontline status.

  Extreme caution at checkpoints   Checkpoints and barriers provide a veneer of security.

One near Abdul Haq Square appears most interested in checking cars with government plates.

Its unclear if intra-government rivalries are at play, or if there is a genuine fear insurgents are disguising themselves as police.

At the checkpoint, soldiers demand documents.

The arrival of one SUV sees soldiers rip out some police-style emergency siren lights from the cars front grill, crushing them underfoot.

  Another SUV with black government plates is detained until it proves its association with a regional governor.

But this is the nature of trust here in Kabul: there is little.

You can see why outside the Jamariyat Hospital, where days earlier one of the most vicious bombs the city has seen was detonated.

The bomb was in an ambulance.

The vehicle passed the first checkpoint, and then loitered in the hospital car park for 20 minutes, hoping to avoid suspicion before then trying to pass another checkpoint into the more secure areas.

  Now the patients at the hospital cannot be brought in by car: ambulances are banned unless the drivers are personally known to the staff.

Kabuls sick are hand-carried by relatives into a building whose windows were blown out by the blast.

A city that was once a safe sanctuary struggling, day by day, with less and less.

For more infomation >> 'Kabul is a war zone' Famous actor says it's time to leave - Duration: 9:46.

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This Is Why It's Not About You - Duration: 9:16.

It's not about you or maybe it is. Which is it? We got to find out so stick around

and we got a really cool bonus for you at the end of this on how to exactly

create clarity on your next step moving forward.

So you've come up against another roadblock, you've come up against another

barrier, you're here looking for answers and I want to share something with you

that totally revolutionized how I think and how I feel especially when it comes

to responsibility. There's three different kinds of business and I'm not

talking about, you know, financial business or, you know, health businesses

or wealth businesses or offices or anything like that, I'm just talking

about what's my business and what's not my business. You know, this idea when you

can say, oh, that's none of your business, that's the kind of business I'm talking

about. There's three different kinds, the first kind I want to talk about is, what

is your business? What's relevant to you? What's relevant to your goals? What's

relevant to your dreams what's relevant to what you're trying to create? What is

within your control? I'm asking myself, what can I control in

this situation? Especially when I get yucky awful circumstances show up in my

world that I didn't necessarily create that was something that someone else

brought to me but I'm asking, okay, now it's my world so now that makes it my

business. If it's something that I can control, that I can change, that I can

shift, I totally take responsibility for it. Let's just say for example that you

have a relationship in your life that's really not working for you, a

relationship that's maybe yucky or worse, you know, maybe there's some heavy

language as I so did with these relationship like neglect or abuse or

harm, maybe there's yucky things in your world

that you're dealing with and, yeah, yucky is a sugarcoat but you know what I'm

talking about. If it's in your world, it's your business. That means you have a

responsibility to take a stand what's important to you so that's the first

kind of business, it's your business. The second kind of business is you got it,

their business. So there's your business and there's their

business, anything that's not relevant to you. A lot of the times, we will cross the

boundary on this because we think we know what's best for another person, we

think for that our version the best is also their version of best and I got to

tell you guys, that is so not the case, there's so many different circumstances

and different moral standards and different ideas and concepts that we

cannot possibly know what's best for another person. We can't possibly know

what they should do in a certain situation. You know they could totally

ask us for support and they can ask us for our ideas but to pretend that we

know what's best for another person is absolutely ludicrous, to pretend that I

know what someone should or should not do. In another video, we talked about the

heaviness of the yucky word of should. How could I possibly impose what someone

should do, I can't. I don't know their circumstances even if I think I do, even

if they're my child or my spouse, I can't know what's best for them. If I have

stewardship over them, if I have, you know, a responsibility as a parent, I'm totally

going to take that because that becomes then my business because I'm the parent,

I'm the one that has responsibility in that situation but if I'm looking at

someone else and I'm passing all these judgements on them, that is so not my

place because that's not my business. So if it's not your business, wash your

hands off it. Allow yourself to maintain a space of neutrality and say, that is

their business, that is their choices, those are choices that they're making in

their life, it's not about me. What they're doing is not about me, the

choices they're making, they're not about me, those are choices that they're making

based on their decisions, based on their experiences, based on their patterns, that

doesn't make it my fault or my responsibility if it's their business so

there's my business, there's their business. The third one, it's his business.

You know, you can call it God, you can call it the universe, you can call it

your highest power, you can call whatever you want but there are things that are

just not my business and not their business and that is the business of the

higher power, that's his business. His business looks like maybe there's a

natural disaster that happens. You know, it's really funny to me how in all of

these contracts we're like, car insurance or health insurance or life insurance

and anything like that, they always have the clause for acts of God and I thought,

wow, you know there's some that are not my business or anybody

else's business but it's all part of the master plan.

You know, you have this thought that it's not about me or it's not about someone

else, what is going on, could this possibly be part of a master plan. If

that's true, then we get to insert an element of trust. Trust in what we want,

trust that the best will come no matter what happens to us, whether it's our

business or someone else's or his business. Part of that for me is trusting

that the best will come whether or not I know how, it doesn't matter, a lot of the

time the how, it's his business. I have an idea of how I'm going to get from point

A to point B maybe in my goals or maybe in my success but I'm willing to let go

of that in exchange for something better should that present itself. Here's a

little bonus piece I want you to be really really familiar with. It's not

about you and at the same time, it is. Now wait a minute, that almost makes no sense , right?

How could both of those things be true?

Think about this, you cannot give what you don't have, you can only give what

you have. You know, driving around around your neighborhood or going to the

grocery store or doing who knows whatever errands that you could possibly

be thinking of, you've probably seen the people on the side of the road with

their cardboard signs asking for help and maybe you don't have cash in your

pocket so you can't give the cash that's not in

your pocket but maybe you do have a granola bar,

the front cedar, maybe you've got an orange that you just bought at the

grocery store that you could give, you could give it because you have it but

before you could even have it, you need to acquire it for yourself. When I talk

about that, I'm talking not about things, I'm talking about your feelings, your

emotions. If I am so bitter inside or if I feel any hatred or any spite or any

negative emotion, if that negative emotion is overpowering me and it's

going on on the inside, I can only give what I have so if I'm in a situation

where I'm needing to interact with another person and maybe it's a person

with a close relationship with me and I only have bitterness and anger and spite

with me, no matter how that person interacts with me, I can only give what I

have so I'm only going to be able to give bitterness and anger and spite.

That's all about me, that's all about me and I need to take an extra look inside and

say, what do I want to be sharing? What do I want to be giving? Am I willing to get

rid of the bitterness? Am I willing to get rid of the anger or the spite or the

negativity and nourish me first? When I nourish me first, all the bitterness,

all the anger, all the spite goes away and gets replaced with compassion, it

gets replaced with love, it gets replaced with caring and then I can forget

about me and go to work because I know I'm taken care of so it's not about you

but it is about you. Make sure that you take care of yourself, nourish your mind,

nourish your body, nourish your soul with words of life, with positivity so that

when the time comes that it doesn't have to be about you, it can be about the

person who needs you most. So now you've got this amazing clarity on what's yours,

what's not yours and you know how to give your gift to the world so I would

love to hear from you, leave me a comment below, hit the subscribe button, maybe

give the little bell a little jingle so you can get some updates from us on a

regular basis. I'll see you tomorrow.

For more infomation >> This Is Why It's Not About You - Duration: 9:16.

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Why is Christianity acceptable? (part 1) - Duration: 3:35.

The worst person we can conceive of is Dracula.

That man was responsible for the suffering of an unimaginable amount of people.

Therefore, we consider Dracula an unacceptable person.

Dracula is absolutely evil.

He would torture people for as long as he possibly could.

If it would have been in his power, he would have made his enemies suffer for eternity.

If it was in his power, Dracula would have created hell.

And hell is what I want to talk about, today.

It's absolutely mandatory to believe in hell when believing in God.

And it is also mandatory to believe that hell is eternal.

To belief otherwise is called disbelief and it's unacceptable in our society.

You must believe that hell is a place of eternal torment.

Right?

Which is really awful, actually.

Infinite punishment for finite sins.

Not an eye for an eye, a tooth for a tooth, but a completely disproportionate retribution.

You know what suffering is?

Being impaled by Dracula, is a good example of suffering.

But I want you to imagine a type of suffering that you are familiar with.

School.

Imagine being in school.

Remember how it was.

Go back to all the stress and fear that you had to suffer through.

And now imagine that that would have gone on for an eternity.

Imagine a school where there is suffering without relief.

School in itself already makes people suicidal.

And that's just fact, that's not just something I say because I really hate school,

okay.

It is a fact.

People want to end their existence because they literally cannot take it anymore.

They cannot take any more, even when there is relief.

But what if school was to be infinite.

An unending misery of history, physics, biology, literature and most of all blasphemous religious indoctrination.

How many more would not be able to take it?

How many more people would commit suicide in such an infinite school horror?

Do you reckon there would even be one person out there with the will to live?

I am afraid that there would be none.

But luckily, there is no such thing as infinite school.

Thank God there isn't.

But a huge number of people believe there is something even worse.

Hell.

There's either flames, or complete emptiness, depending on your denomination.

But either way, it is eternal.

And there is no relief.

And even no suicide.

So when you reach the point that you can't take it anymore, you still have an eternity more.

Most secular people agree that this is a bizarre concept.

But why isn't this despised?

Why is everyone so extremely respectful towards such a concept?

Dracula believed that his enemies deserved the torture that he gave them.

But we do not respect the views of Dracula.

We are abhorred by his actions.

We know from history that technically,

the people Dracula tortured were indeed morally questionable people.

But we condemn him still, because this retribution was disproportionate.

Those people did not deserve to be impaled.

So, I think you'all see where I'm going with this.

There are a lot of christians who have atheist friends.

But how can an atheist possibly befriend a christian?

How can they accept that a person they love,

believes that it is righteous for them to go through an infinite amount of suffering.

And not even because they're a bad person.

How can the atheist accept such a thing?

Why do they not hate their friend for believing and condoning such a horrid thing?

What in oblivion is making them so bloody tolerant of such blasphemous contentions?

For more infomation >> Why is Christianity acceptable? (part 1) - Duration: 3:35.

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Who Is Inside - Duration: 3:25.

For more infomation >> Who Is Inside - Duration: 3:25.

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Tattoo Fixers shop location: How much does it cost? This is how you apply - Duration: 4:26.

Tattoo Fixers shop location: How much does it cost? This is how you apply

The show is based around three tattoo artists who look into the stories behind tattoo regrets and the people behind them.

Jay Hutton, Alice Perrin and Sketch all work in the studio and try to come up with the best design possible.

Each client has a consultation with the artists who offer their own unique ideas to cover up the embarrassing tattoo.

They then transform it into a masterpiece, which the client is hopefully ecstatic with.

At the end the design is presented to the customer, and they can see the magical transformation.

The E4 programme's premise is simple but immensely popular, and was even nominated for an National Television Award for Factual Entertainment.

The show has seen everything from misspelt phrases, to ex partners' names or shocking soap lookalikes.

Embarrassing, regrettable tattoos are far from uncommon, from drunken holiday mistakes to trusting your friend too much with a tattoo gun.

The series began on E4 in 2015, and is now in its fourth season.

Where is the Tattoo Fixers shop? The Tattoo Fixers shop is located in Hackney, London.

However, the programme itself is filmed in more of a warehouse than a tattoo parlour.

You can find the east London filming location in Sheep Lane, and this is where they turn tattoo flops into works of art.

How much does Tattoo Fixers cost? A spokeswoman for Tattoo Fixers said: "It doesn't cost to apply to be on the show".

According to tattoo artist Jay, every client is told they can have a free touch up if they are not happy with the design.

How to apply for Tattoo Fixers: You can apply to have your embarrassing tattoo worked on by the Tattoo Fixers team by logging onto Studio Lambert's website, the TV production company that produces the show.

All that is required of you is that you have a shocking tattoo that you want covered up, or that you are planning on getting a new tattoo.

To apply you need to give your name, age and other personal details, but you also need to give detailed descriptions on the tattoo you want covering up, when you had it done, what the story is behind it, and what you want it covered with.

If you don't want a cover-up, but are looking for an original tattoo done by them, you need to tell them what design you want and the story behind it.

In addition you also need to send them a picture of yourself, a picture of your tattoo (if you are getting it fixed) and also another picture showing where it is on your body.

You can apply here.

Studio Lambert warns applicants that not everyone will get a reply, as there is a high number of applicants.

For more infomation >> Tattoo Fixers shop location: How much does it cost? This is how you apply - Duration: 4:26.

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IPL value has no rationale, it is supply and demand, says Sourav Ganguly - Duration: 3:22.

IPL value has no rationale, it is supply and demand, says Sourav Ganguly

At the recently concluded Indian Premier League 2018 auctions in Bengaluru, there were a few surprise picks.

While Indian T20 stalwarts Yuvraj Singh and Gautam Gambhirwere bought at their base price of Rs 2 crore, India U-19 team members, Shivam Mavi and Kamlesh Nagarkoti fetched Rs 3 crore and Rs 3.6 crore respectively.

Similarly, Dinesh Karthik, who was brought as a replacement for injured Wriddhiman Saha into Indian squad for South Africa, and played no part in the Test series, was bought by Kolkata Knight Riders for Rs 7.4 crore, while India's first-choice wicketkeeper, Saha, went to Sunrisers Hyderabad for Rs 5 crore.

Parthiv Patel, who played two Tests in the series, fetched Rs 1.7 crore. On being questioned about the gap in pricing among the three Indian wicketkeepers, former Indian captain Sourav Ganguly said that the players cannot be judged on their IPL value.

Speaking at Cricket Year Book's 20th anniversary, the 45-year old said, "You cannot judge players based on IPL money. Hashim Amla(of South Africa) went unsold. He has 54 centuries.

Delhi's Ishan Kishan has got 6.2 crores (Mumbai Indians) playing only Ranji Trophy. So the IPL is not a yardstick to judge any player's value.".

Ganguly, who played for Kolkata Knight Riders and Pune Warriors India before taking retirement from IPL, added that the T20 tournament is all about supply and demand. "IPL is a different format and you have to look at it that way.

IPL has no rationale, it is supply and demand. Jaydev Unadkat is the highest paid Indian player (in the 2018 auction). He has played two ODIs and no Tests," he said.

Unadkat, who recently impressed with his wicket-taking form in the T20 series against Sri Lanka in December, was bought by Rajasthan Royals for Rs 11.5 crore as pipped KL Rahul and Manish Pandey to become the most expensive Indian player at the auction.

He was the second most expensive player overall, only after Ben Stokes who was also bought by Rajasthan for Rs 12.5 crore.

For more infomation >> IPL value has no rationale, it is supply and demand, says Sourav Ganguly - Duration: 3:22.

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What is Carpal Tunnel Syndrome? - Hamilton Bone & Joint Clinic - Duration: 1:39.

Carpal Tunnel Syndrome is the compression of a very important nerve

within the wrist called the median nerve that provides a sensation to the

majority of the hand and also controls very important muscles in the hand. When

this becomes compressed, that nerve cannot function normally and patients

experience numbness, weakness, and discomfort. Nonoperative treatment is

the most important aspect of treating this. Carpal Tunnel Syndrome is very

common. The foundation of nonoperative treatment is really night splinting. This

allows the wrist to be held straight at night so as to prevent additional

pressure within the portion of the wrist where that nerve is being compressed.

This allows people to get a good night's sleep. As the symptoms progress at some

point the carpal tunnel syndrome can be bad enough that the nerve can become

damaged. It's important to identify this so as to intervene before any of that

damage becomes permanent. An important part of the workup for carpal tunnel

syndrome is a physical exam and a history. An important addition to this,

but less important, is a study called an EMG or an electromyogram. This is a

measurement of the electricity that goes through the nerves. If the history,

physical exam, and objective testing of the Carpal Tunnel Syndrome shows that

that compression is bad enough that the nerve is becoming damaged, then surgical

correction should be considered.