Youtube daily how Feb 22 2019

- Today on the Hero Nation podcast,

we are gonna be talking about

when to fire,

how to fire,

how often to fire,

everything about being fired.

Right now on the Hero Nation podcast.

(upbeat music)

Welcome to the Hero Nation Podcast.

The place for entrepreneurs and business owners

just like you.

Where they come to learn tactics and techniques

to live more epic lives.

I'm your host John Rinehart.

And across from me sits Wayne Salmans.

We are the co-owners of Hero Nation

and today we are gonna be talking about

one of my favorite subjects.

And that's about firing people.

- You're fired.

Easier said than done.

- Alright so I'm gonna ask you this.

- Yeah.

- When was the last time that you fired someone?

- Oh like,

man, several months ago.

- Was it just several months ago?

- Yep.

- Alright what was it?

Give me some dirt.

- So I had an amazing person that wasn't a great fit.

It was a fit in some elements

and not every element.

Which is tough.

I think that's really tough

when you have someone that fits.

That checks a lot of boxes

and not all the boxes.

And what do you do with that?

And I see so many people struggle with this.

They struggle with when do you fire somebody?

How do you fire somebody?

But they're super nice.

Like what's the stuff you hear

when people don't want to fire somebody?

- Oh gosh.

You know they're going through a really hard time

right now so personal.

I don't know what I would do without them.

Is it just me or is it them?

- Is it me or is it them?

That's a big big one.

- That's a huge one.

Let's see what's another couple?

- Yeah, there's so many.

I like them.

They don't bring in a lot of revenue

but everybody loves them.

That's a big one.

- They're a really good person.

- Yes, yes.

- 'Cause here's the thing.

So for me, I'm gonna answer the same question.

I just finished firing four people.

In a row.

Wham, bam, slam, dam you're done.

(sighs deeply)

- Was it easier than it used to be?

- Oh yeah, totally.

I think, for me,

the big aha

on firing people

was that often times,

I was needlessly suffering and actually causing them

to suffer as well.

And I,

if you really care about someone

and it's really not gonna work out,

you're not gonna help them by them being in a place

where they're not going to succeed.

- So I think that's the big first thing

is are you suffering once or twice?

And what I identified so many times

is I was suffering twice, right?

I knew that I needed to go through the pain

of that five-minute conversation,

that half-hour conversation of letting somebody go.

And I didn't want to do it.

And I didn't want to do it.

So I'd let it go on weeks, months,

drag and drag and drag.

And internally, I was going through all this suffering

as I built up to this conversation.

And looking back I would've much rather

just suffered once instead of suffered,

to avoid suffering, and then suffer anyway.

Just suffer once and get it over with.

- Okay so, let me ask you this.

When you're talking to someone,

do you actually ever say, you're fired?

- I don't know if I ever actually said those words.

- 'Cause I feel like knowing you

and having seen like some of your firings, - Yes.

- I think your soft skills are

at such a level, I don't think the words,

you're fired, would ever come out of your mouth.

- No I don't so.

- So I want you to go through and fire me

and I'm going to go ahead and I'm gonna fire you.

So go ahead and let's have that conversation

real fast, ready?

- Alright so what role are you in?

Give me kind of like a role you're in.

- I'm an admin.

- Okay awesome, admin, awesome, cool.

- Cool.

- So John, first off, thank you for coming in today.

- Yeah.

I love being able to sit down with you.

Here's what I, one of the things I think

you appreciate about our relationship

is that I've always been upfront with you, correct?

- Yeah, yeah, always.

Yeah I really admire that about you.

- Yeah.

And this is going to be kind of an

uncomfortable conversation probably

and yet that I really don't want to have.

And yet the reality is I care enough about you

to have this conversation.

So is it okay if we just kind of dive into that?

Now I'm going to take my friend hat off

and I'm gonna put my business owner hat on for a minute.

And just dive into this, is that alright?

- Oh yeah, you're kind of making me nervous but okay.

(laughs)

- Well good, we're both nervous.

So here's what we see so for the last several months,

now we give some specific things, right?

For the last several months we've seen

this, this, and this not happening.

And the short-term impact of that is

we're losing trust among the team.

Our clients are having issues.

Kind of give an impact of issues to short-term.

Yet here's the reality.

The long-term impact of this is

if this kept going on for another several months,

'cause it's already been going on several months,

if it keeps going,

I think it's going to build up

a lot of resentment between you and I.

And I think it could potentially build resentment

amongst you and the team.

And I think it could hold you back.

If I allowed you to stay here for another six months,

I think I might hold you back

from somewhere where I really

truly believe you could be a ten.

- Okay so what are you saying?

- So I'm saying is that this isn't gonna work out.

It's been wonderful, the time we've had.

We've had some really good stuff.

And I think that right here

what you're showing up is like a five or a six.

I think that that's because some where else

you could be a ten.

- That's great but I mean I have a family to feed

and is there like anyway I can kind of stay on

for a little while 'til I find someplace else?

- Yeah, so here's the reality what I want to do

'cause I care a lot about you,

it's Friday afternoon.

What I'd rather do is we're gonna stop

working together today and yeah,

I'm gonna pay you for another two weeks

to give you some opportunity

to go find a great job.

Instead of holding you here for another two weeks,

I'm just gonna pay you for the next two weeks

and let you go pursue that opportunity.

- Okay, well that seems

fair.

I think.

- Yeah, yeah.

- I mean is there any chance I can get

a recommendation for another job

or anything like that?

- Yeah, so I think it depends

on what you're gonna do.

And I trust that you're okay with me

just being open and honest.

I think there's some things you nailed here.

And then there's some things that

it wasn't a great fit.

- Yeah, well I mean, obviously,

there's some things you can improve on too.

- Yeah, yeah.

I'd love to hear those in an email six years from now.

No (laughs) so here's where I think

you have to be careful.

I think that you've got to have

some specific examples that have led up to this moment.

And I think that

as leaders we're very apt,

and very quick to throw ourselves under the bus.

- Yeah we are.

- And that's why when we'll get to it in a second

but like talking about when you're firing an agent,

I think it's very different.

It'll be a very different conversation.

- Okay, so you ready for me?

- Yeah.

Okay, so we'll do I'm an editor for you.

- Okay.

So Wayne I've been noticing

some interesting patterns for the last couple of weeks.

- Mm-hmm.

- I want to ask you some things.

What are the most frustrating moments,

currently, in our business relationship?

- When you don't like what I did

or you want me to do it faster.

- Okay.

So in order to do this job at the level

that this company currently has,

I require that you both do it

at this level and still be able to hit the speed.

Because it's not a win for me

if I'm losing money.

And it's not a win for you

if you feel like you're being used.

- Yeah totally gonna get there.

I really think that I'm gonna get there.

- That's great, and I want to see you get there.

However,

as of today,

with my clients,

and with our current relationship,

this is not working out

in a way, that is a win for me and a win for you.

And I don't do business without it being a win-win.

If it's a win on your side

but it's not a win on my side,

we're not doomed to do business together.

So here's the reality,

as of today,

you will no longer be working for Free Dream Studios.

As of today, you're out the door.

However, I want to help you.

And I'm gonna send you some resources

to help you up your game.

- Yeah.

- To put it out, to go faster, to get better.

So that if you buckle down,

and then the next two three months,

you really pull that level up,

I think you could really be fantastic

but today, which is where I have to judge from, right?

This is not gonna be working out at all.

So as of today, you're terminated.

- Dude, I love that.

And I love the clarity and I love how you said,

today where I'm at, here's the decision

I have to make based on today.

I think that's huge.

So let me.

- It's not quite, it's not as nice as his.

- No, yeah.

- His is a lot more flowery.

So here's where I think that I want to go

if it's okay with you?

- Go for it. - A lot of our leaders,

and I just want to talk mostly to leaders

of like real estate teams and things like that.

They don't have,

it's very tough for them to hire.

Especially people like buyer's agent and listing agent.

Maybe they're on commission.

It's tough.

So can I go through a couple things

that I think are huge here. - Go for it.

- And I want you to speak to this.

First off, it's been amazing.

I didn't know when to fire people.

So in other words, you come to me six years ago,

when I was still in real estate,

and said what are the qualifications

for someone to get fired?

I would've had a very hard time answering.

I would've been like when the pain gets bad enough.

I don't have a way.

So I think the biggest thing they're missing is

when do you fire?

And can you actually tell someone you fired them?

And I think that's what I ended up having to do

was actually write out, here's what triggers probation

and then here's what triggers firing.

And I would actually tell them that at the beginning

in the hiring 'cause when I see it happen over and over,

what I did was it would almost

for the person on your team,

it would seem to come out of the blue.

- Right.

- Because I hadn't led well

leading up to that moment.

- Right. - And that's what made it

really awkward for them and me.

I was setting myself up for failure.

- What I also think that sometimes,

what kind of leads to that,

is sometimes we're kind of scared, right?

Sometimes I don't know how many times I have seen,

I remember the first time I honestly,

I think I dodged for probably close to a month.

Like actually firing someone.

Because I was like,

I didn't want

to go through this process of looking someone in the eyes,

telling them they weren't good enough,

and moving on.

Here's the reality.

I fire fast now.

- Yeah.

- Because if there's a pattern

that I don't like in the front,

now there's a difference I think

in between skill and character.

And I think I actually,

I think I fire more off of character,

than I do off of skill.

Because if their character is there,

I can work with really fantastic character.

Because fantastic character,

will beat out skill any day of the week.

However, if someone is super skilled,

but their character sucks,

I know it's actually gonna cost me more,

to keep them on as skilled as they are,

because they're gonna ruin team dynamics.

They're gonna ruin relationships with clients.

It's a deal of like results now

or results over a lifetime

inside of a business and reputation, right?

So I actually fire probably 90% off of character

and a lot of the flaws that I find in skill

often actually points back to character.

- Yeah, I think there's a lot of truth to that.

And I think that instead of character,

I would use the word values.

Here are our values in alignment.

'Cause I think you can have a great person

that just has different values.

Doesn't make them a good person or a bad person.

Their values just don't line up with your values.

So here's the problem,

can you actually articulate your values?

And most teams they just go,

oh we're not a good fit.

It just doesn't feel.

Are you able to articulate some of that?

And I push the people that I work with

to write down what their values are

to get clear on that.

And be able to do it.

So let me ask you this question,

can you ask enough questions leading up to hiring

to actually know somebody?

- No.

- Yeah.

- No, there's no way.

- You're not gonna know who they really are

until they're in the job for two, three, four weeks.

- You can try and I know

there's all the different.

- And do all this.

That's all good stuff.

- Do all the personality stuff.

If you want to.

Go ahead, do it.

Leave it to your gut if that's what you do.

But understand, there's a reason why trial periods exist.

Ladies and gentlemen,

if you do not have a trial period,

for your employees,

you are in trouble.

- Yeah.

- Right? Here's the other thing.

If you do not have evaluation periods,

if you do not have personal development meetings,

PDM's, right?

If you do not have PDM's set up every week,

personal ones not just group,

personal development meetings for each one

of your people every week

at regularly scheduled times

where you are there

and regularly scheduled times.

If you don't have those every month,

if you don't have those every quarter,

if you don't have all that stuff laid out,

you're gonna be disappointed.

You can be disappointed by the best employee ever

who honestly didn't get,

if you're not feeding into that development cycle,

you can be let down

by literally one of the best people in the world.

And that all comes out with like

laying in the ground work at the beginning.

- Yeah, well what makes me think about what you're saying,

are your team members surprised when you let them go?

- Yeah absolutely.

- And if they're surprised,

it probably means you dropped the ball.

It doesn't mean they shouldn't be fired

but it probably means you dropped the ball

in those weekly appointments.

It probably means you weren't

having real authentic leadership-syle

conversations with them

over the past several weeks or months or whatever it is.

If they're genuinely surprised,

either they're way out to lunch

and they're not paying attention.

Or you haven't been having those conversations.

'Cause I think too often we let that stuff undercurrent.

We don't have the real conversation.

And then we wait 'til it gets bad enough.

And then we just fire the person.

- Right, absolutely.

I totally agree.

- So two to three pointers or things you need to do

to get better at the firing process.

What would your advice be on this?

- Be direct.

Don't dance around stuff.

Don't say things that you don't mean.

If you don't mean it, don't say it.

I'm not gonna sugar coat it.

Don't sugar coat things.

I'm not saying be an ass-hole.

I'm saying don't sugar coat it.

Number two.

Number two, and I say this

if you're not looking at every person on your team

at least once

I would say once a quarter for me, personally.

Some people would say once every six months.

But if you're not looking at every person

on the team and saying,

is there someone better that could fill this position?

Who do I need to fire?

Or is there a better place for them to be moved to?

If you're not having that conversation

at least once a quarter,

in my opinion,

there's something wrong.

Because that tells me that

your business is on auto-drive.

So those are my two things, what are yours?

- I think my two things are

and I'm still working on this.

I think you've got to practice and develop

the ability to have tough conversations.

You've gotta learn there's pathways.

You've gotta develop the ability

and figure out how to have great tough conversations.

They don't have to be brutal.

But they can be tough to the point to awesome conversations.

I think the second thing is when you bring someone in,

are you able to articulate

what would cause them to get fired?

- Yeah, that's good.

- When you bring someone in, right?

You go, hey, here's what's gonna make this awesome.

Here's what would cause you to go on probation.

Here's what would cause you to get fired.

Is it clean and clear and does it make sense?

- Absolutely.

- Yep, and I think to your point it's a journey.

If you haven't been through three or four bad hires,

you're just starting, right?

It's a process.

It's a skill you gotta go out and craft over time.

You're not gonna nail it day one.

Don't tell yourself you're a bad leader

because you didn't nail your first couple fires and hires.

It's just part of the process.

- Everybody gets fooled by people.

- Yes.

- There's no one out there that is such an amazing

people person, people-reader that they don't get fooled.

- Yeah.

- Sometimes multiple times.

- Yeah.

- So awesome, I think this has been really helpful.

I mean I've learned something.

- Yeah, I think it is.

- Did you learn anything?

- Yeah, a lot.

(laughs)

- I need to be more direct.

- Alright guys, so thank you so much

for tuning in to the Hero Nation podcast.

As always, Hero Nation is the Hero Nation podcast

is brought to you by Hero Nation FUEL.

If you are not a part of Hero Nation FUEL,

you need to get in today.

Guys if you want to be able

to have these kind of conversations

with people that are as experienced as us.

Some people that have a lot more experience than us.

And be able to pick their brains.

Get in there.

Have people that are on your side.

Rooting for your business.

That's the place to be.

If that's the place for you to be, go ahead.

I want you to go to theheronation.com.

Go ahead look up.

Find FUEL, join it.

There's a 30-day back guarantee.

It is a fantastic program.

You get to have weekly calls with Wayne.

You get pod calls where you get to be in part of a groups

and have like amazing one of our pod leaders.

Plus you can also get one-on-one coaching

from one of the Hero Nation coaches

like you can have a personal deal with me

or you can have a personal conversation with Wayne or Kelly.

Guys there's stuff available for you

to have an amazing life

and be your own hero.

- Boom.

- See you next time.

- See you next time.

(upbeat music)

For more infomation >> HOW TO FIRE EMPLOYEES THIS WEEK ON THE HERO NATION SHOW - Duration: 18:26.

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How To Lower High Blood Pressure In 1 Minute - Duration: 4:48.

High blood pressure is a dangerous condition that can damage your heart.

It affects one in three people in the US and 1 billion people worldwide.

If left uncontrolled, it raises your risk of heart disease and stroke.

In this video we share our top tips to lower blood pressure.

Any extra resources or information will be included in the description so make sure to

check it out.

Our first tip is to Walk and exercise regularly.

Exercise is one of the best things you can do to lower high blood pressure.

Regular exercise helps make your heart stronger and more efficient at pumping blood, which

lowers the pressure in your arteries.

In fact, 150 minutes of moderate exercise, such as walking, or 75 minutes of vigorous

exercise, such as running, per week can help lower blood pressure and improve your heart

health.

What's more, doing even more exercise reduces your blood pressure even further, according

to the National Walkers' Health Study.

Our next tip is to Reduce your sodium intake.

Salt intake is high around the world.

In large part, this is due to processed and prepared foods.

For this reason, many public health efforts are aimed at lowering salt in the food industry.

In many studies, salt has been linked to high blood pressure and heart events, like stroke.

However, more recent research indicates that the relationship between sodium and high blood

pressure is less clear.

One reason for this may be genetic differences in how people process sodium.

About half of people with high blood pressure and a quarter of people with normal levels

seem to have a sensitivity to salt (11).

If you already have high blood pressure, it's worth cutting back your sodium intake to see

if it makes a difference.

Swap out processed foods with fresh ones and try seasoning with herbs and spices, rather

than salt.

Our third tip is to drink less alcohol.

Drinking alcohol can raise blood pressure.

In fact, alcohol is linked to 16% of high blood pressure cases around the world.

While some research has suggested that low-to-moderate amounts of alcohol may protect the heart,

those benefits may be offset by negative effects.

In the US, moderate alcohol consumption is defined as no more than one drink a day for

women and two for men.

If you drink more than that, cut back.

Our fourth tip is to Eat more potassium-rich foods.

Potassium is an important mineral.

It helps your body get rid of sodium and ease pressure on your blood vessels.

Modern diets have increased most people's sodium intake while decreasing potassium intake.

To get a better balance of potassium to sodium in your diet, focus on eating fewer processed

foods and more fresh, whole foods.

At number 5 we recommend to Cut back on caffeine.

If you've ever downed a cup of coffee before you've had your blood pressure taken, you'll

know that caffeine causes an instant boost.

However, there's not a lot of evidence to suggest that drinking caffeine regularly can

cause a lasting increase.

In fact, people who drink caffeinated coffee and tea tend to have a lower risk of heart

disease, including high blood pressure, than those who don't.

Caffeine may have a stronger effect on people who don't consume it regularly.

If you suspect you're caffeine-sensitive, cut back to see if it lowers your blood pressure.

Our sixth tip is to Learn to manage stress.

Stress is a key driver of high blood pressure.

When you're chronically stressed, your body is in a constant fight-or-flight mode.

On a physical level, that means a faster heart rate and constricted blood vessels.

When you experience stress, you might also be more likely to engage in other behaviors,

such as drinking alcohol or eating unhealthy food, that can negatively affect blood pressure.

Our seventh tip is to Eat dark chocolate or cocoa.

Here's a piece of advice you can really get behind.

While eating massive amounts of chocolate probably won't help your heart, small amounts

may.

That's because dark chocolate and cocoa powder are rich in flavonoids, plant compounds that

cause blood vessels to dilate.

A review of studies found that flavonoid-rich cocoa improved several markers of heart health

over the short term, including lowering blood pressure.

For the strongest effects, use non-alkalized cocoa powder, which is especially high in

flavonoids and has no added sugars.

And for our final tip we recommend loosing weight.

If you're overweight, losing weight can make a big difference for your heart health.

According to a 2016 study, losing 5% of your body mass could significantly lower high blood

pressure.

In previous studies, losing 17 pounds (7.7 kg) was linked to lowering systolic blood

pressure by 8.5 mm Hg and diastolic blood pressure by 6.5 mm Hg.

To put that in perspective, a healthy reading should be less than 120/80 mm Hg.

The effect is even greater when weight loss is paired with exercise.

Losing weight can help your blood vessels do a better job of expanding and contracting,

making it easier for the left ventricle of the heart to pump blood.

So that sums up our top tips for lowering blood pressure.

If you found any of it useful then hit that like button and if you're new here feel

free to subscribe.

For more infomation >> How To Lower High Blood Pressure In 1 Minute - Duration: 4:48.

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How I Manage My Bank Accounts and Budget - Duration: 14:23.

Budgeting and managing your money can be really quite difficult. I found it really difficult

for a number of years, even just wrapping my head around what kind of bills I had and

how to best manage my money, what I need to focus on and what I need to automate. So in

this episode I want to share with you exactly how I managed my money. So we're going to

look at how I create a budget for the year. We're going to talk about how I have a weekly

discretionary spending fund and basically look at how I manage my different bank accounts

as well as saving accounts and what I'm trying to achieve. So this will be an insight into

how I've found works for me to manage my money. But this may help for you as well. If you've

been struggling with budgeting and trying to work out a system that works for you, you

might be able to steal some of these ideas.

Hey, I'm Ryan from on-property dot com dot. A U helping you achieve financial freedom.

And in order to achieve financial freedom, you do need to get your budget. In order us.

Okay, so let's jump on the computer and we're going to look through the way that I organize

my bank accounts and we're also going to look through how I actually go about setting a

budget for a year, so I have a spreadsheet where I put the figures in for the big bills

for a year and that helps me to really manage things. So I just want to say from the outset

that this is just one way of doing things. I tried a whole bunch of different ways to

budget over the years. I really struggled with a lot of them are not very good at budgeting.

This one I found works for me for the primary reason that it automates a lot of the decision

making.

It automates saving for all of those bills that come up during the year. Everything from

your regular monthly bills like phone bills, internet, car insurance, stuff like that,

as well as saving for those bigger bills that come up less frequently. We're talking car

registration, we're talking health insurance. For me, it's private schooling as well because

my kids go to a Montessori school here in Sydney now, so it really automates all of

that so I don't need to think about it and then I can just focus on how much money am

I spending each week and then I can focus on my business and earning extra money. So

let's go ahead and jump on the computer now and how, look at how I arrange my bank accounts.

I will just say before we jump into it, I am recording and my mum's house today, so

you'll see the kitchen in the background.

It's a little bit messy, but check out this view of Cronulla. Absolutely awesome. Mum's

got the best place and I think it goes without saying that this is not to be considered financial

advice. This is how I manage my bank accounts. What you do is up to you and seek professional

advice if you do need help. Okay, so here we're looking at my bank accounts. All right,

we've got the two bank accounts up the top, the pot and everyday spending and I've blocked

off how much is in them for privacy reasons as well as the account details because I know

so many of you out there, it will send me millions of dollars if you know them jokes.

Obviously no one's going to do that. But just for privacy reasons, I've closed those out.

So I worked two main bank accounts that actually have cards attached to them.

So these ones I can actually go out and I can spend money on, I can pay bills on. And

then I have online savings accounts as well, which you can see here. Splurge, holidays,

happiness, fire hydrant, big bill savings, and the thousand dollar project, which we'll

talk about all of those as well. So basically the way that it works is that all of my income

goes into the pot. So I call it the pot because it's like a big stirring pot. Everything goes

in there and everything kind of comes out of there as well. So my income, which gets

paid weekly from my business, goes into the pot from the part, I then have automatic payments

set up to send money where it needs to go. So automatically each week money goes from

the pot into the everyday spending account. So that everyday spending account is where

I actually spend my weekly money.

So I have a weekly discretionary budget. I did an entire video on that, which I'll link

up in the description down below. But this is where things like petrol, groceries, clothes

for myself or for the kids, I'm going out entertainment, all of that sort of stuff.

Even presence would fit in there as well, except maybe for Christmas. So each week I

have a set amount of money that I'm allowed to spend. And so that money on a Sunday gets

moved from the pot into everyday spending. And so then what I have is just one card with

everyday spending and on my phone I've got an ing app that can show me exactly how much

money's left in there. So I don't need to add things into a budgeting APP. I don't need

to track things. I have my everyday spending account each Sunday that gets renewed and

when I log onto ing I can see how much is left for the week.

So there's no guesswork in how I'm going towards my budget. And if I go over, well then my

everyday spending gets declined and then I have to make a decision what to do, where

I'm going to pull money from, or if I'll just stop spending for the week. Money also goes

from the pot into these different savings accounts. So big bills is to pay for the bills

throughout the year that are less frequent. So it'll pay for things like car insurance,

it'll pay for things like registration, it'll pay for school fees, it'll pay for health

insurance, that sort of stuff. So basically I work out how much that's gonna cost me per

year and each week a set amount goes into big bills. Fire hydrant is the amount of money

that I'm putting towards paying off debt as well as once debt's paid off. That will be

going towards investing.

Holidays and happiness is putting towards holidays or things that are going to make

me happy. Splurge is just things that you could splurge on. And then, um, this savings

account I don't use, but I've set it up and the thousand dollar project is things that

I do outside of my regular budget to generate little chance of income I put into there.

And then that's going to be used to either pay off debt or to invest. So let's go ahead

and have a look at how I actually work out, how much money is going to go into each of

these accounts by doing my annual budget. So here we have the spreadsheet and this is

the spreadsheet that I use to work out how much money I'm going to be spending throughout

the year. And then as a result of that, I can work out, okay, well how much money do

I need each week?

So the idea here is that you go through and you feel this out and it's going to give us

a weekly and an annual figure. And for most of us that needs to then line up with obviously

how much we are earning. And so that's the goal here is you, you go through this and

you move stuff around and you work out can I afford to live and where am I willing to

spend my money? So you've got things like rent here. Um, weekly rent. So let's say maybe

$500. I moved to Sydney, now I've got three kids, school fees. If you pay for private

school then you can put that in registration for cars. That might be $1,000 electricity,

maybe $50 per week. Uh, insurances, probably another thousand dollars, I guess. Car Servicing

at least another thousand health insurance. If you have that, you can go ahead and put

it in as well.

Phone and Internet, you can put in that a lot of people spend about a hundred bucks

a month on phone and internet. I think I spend more like $30 and $40 per month. And then

as well you can go through and these are the more discretionary items. And so you got your

investing, you've got your saving, and so barefoot investor recommends that you put

20% towards that. So depending on your income, you could then adjust your interests and savings.

But let's just say for this one, we're going to put $500 a month, so $6,000 per year. Uh,

we can also put money aside for holidays and things like that. So for holidays, I think

I was doing, you know, $50 per week putting aside, um, I don't, how much is that per year?

25002000600 okay. So let's say we're doing that. Okay. And so basically this is going

to give us a total bills figure and these are our big bills that were saving towards.

Then we've got our weekly expenses as well. And how much are you going to be spending

each week? Now, if I was a single person and didn't have any kids, then this could be a

really affordable figure if I wanted it to be. So somewhere probably around, I would

imagine a $200 or something like that. I've got three kids. So let's call it $500 so we're

talking petrol, we're talking food, we're talking close, we're talking pharmaceuticals.

If someone gets sick, all of that sort of stuff. So $500 per week and then that's going

to give us our total here. Now that total should ideally be equal to or less than income

after tax or less. So then when we're going to do from this to make things automatic,

it was we're going to look at our weekly expenses and we're also going to look at yes the total

bills but more so we're money needs to move.

So back into ing, we saw that my weekly expenses is $500 so I get paid from the business, I

send money across on Thursday so that I know it arrives in my bank account on a Friday.

And then I have the transfers each week reset on a Sunday. So what I then do within ing

is, and you can do it within any bank account, is to set up automatic transfers. So automatically

on Sunday from the pot to everyday spending, $500 is going to move across there. So as

we saw weekly spending was a $500 so each Sunday it's going to move across there. We

can also look at this spreadsheet and see that rent is $500 per week. So each Sunday

rent would then be paid automatically via bank transfer to my rental manager. So $500

would go across to them. Then as well, we have money saving into big bills.

So the total of this column here, which at the moment is about $155 so $155 would go

across two big bills. Now I have, I pay for private school as well, so the money that

I need to move across the big bills is actually higher than this. But yeah, you would work

out your amount and then basically each week you would move that money across into big

bills. Okay. You would also move the money that you wanted to say for your holidays into

holidays and happiness you and move the money that you wanted to use towards paying off

debt or investing into the fire hydrant. And this is in line with what bear for it invest

our talks about. So the splurge, um, he calls it the smile account and the fire hydrant

or in line with that. So if you want to understand that more, I will link up down below to my

barefoot in best invest our bank accounts.

Explain so you can understand that in more detail. But yeah, so each week money automatically

goes from the pot into my everyday spending. This is where I focus on my weekly discretionary

income and also money moves into my splurge account, my holiday savings, my paying off

debt or investing account as well as saving for big bills. And that is basically how I

manage my money. Everything moves across. I just live off the everyday spending account.

And then when a build needs to be paid, because these ones down here, just online savings

accounts, I can't actually send money, other bank accounts. So big bills will accumulate

over time, become bigger and bigger. And then a big bill might come in. So it might be health

insurance or it might be school phase or registrations up. And so whatever the amount of the bill

is, I will transfer it from big bills back into the pot and then I will pay money out

of the pot.

I do also leave some money in the pot because things like car insurance come out by direct

debit. So I don't move that into big bills. I just kind of leave some extra money in the

pot to make sure that when car insurance comes out, there's money for it there. But as you

can see, everything is basically automated with the exception of what I spend my money

on each week. So yeah, so that is how I manage my finances. I hope that this has been interesting

and insightful to you. I know it kind of sounds pretty complicated and it was, I guess it's

not super complex to start up and to get running, but it did take a few steps, but now that

it's up and it's going, it's really easy and as my life changes, it's really easy to adjust

as well as at the moment I'm not paying rent, so just canceled that rent payment.

At the moment I am saving to pay off debt so then that payment is actually higher than

what it previously was as well. So more money's going towards paying off debt then is going

to my weekly discretionary money than in the past. So I can adjust those things I had.

I just simply go in and adjust those automatic transfers and change them to what I want them

to be and yeah, that is how I manage my finances. If you enjoyed this video, then please don't

forget to subscribe to the channel. Also, go ahead and check out the videos that I talked

about, the one on my weekly discretionary budget where I talk more about that as well

as the barefoot investor bank accounts explained. I'll link those up in the description down

below so you can check them out or go to today's episode, which is on property.com dot a u

four slash six 30 and I will link up over there. So if you're listening to the podcast

on property.com to you forced her six 30 and that will link to those other two videos I

talked about. Really key to get on top of your finances this year. This is something

that's worked for me. If you've been struggling with managing your money, managing your budgeting,

then this might be something for you to try it as well. I wish you the best in your personal

finance journey and your journey towards financial freedom, and until next time, stay positive.

For more infomation >> How I Manage My Bank Accounts and Budget - Duration: 14:23.

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Kitchen Instruments | How to Make Rice Without a Rice Cooker (Fullproof Method) - Duration: 3:09.

hello everyone and welcome back to kitchen instruments now today's gonna be

an episode dedicated oh you're ace lovers out there who may have problems

making rice if they don't own a rice cooker now is that gonna be a problem no

no it's not because I'm gonna show you guys a foolproof method on how you can

make perfect rice each and every time so let's get to it

and there you go foolproof rice pilaf in the bag now you can kind of do whatever

you want with this dish if you want to add carrots to it or something like that

feel free to add carrots if you don't like peas don't add peas if you don't

like shouts don't Matt shouts won't add herbs at herbs you know kind of whatever

you want to do so feel free to go out there and get creative and make some

rice all right well that's all I have time for today thank you for stopping by

and if you have any comments questions concerns or suggestions for new episodes

by all means leave them in the comment section down below that's what it's

there for and I'll see you guys later on the week

where we're gonna be making scallops rockefeller I'll see you then Oh before

you go check out the new logo

For more infomation >> Kitchen Instruments | How to Make Rice Without a Rice Cooker (Fullproof Method) - Duration: 3:09.

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How To Animate Hair Blowing In The Wind (Tutorial) - Duration: 5:31.

Hey Guys!

Welcome to my channel

So, In this tutorial

I'm going to show you how I animate flowing

In Paint tool sai

Lets get started

First, you want everything to be on separate layers

As you can see, I have a layers With the entire body and then

A layer with the cloak above that

Then I separated the hair into two layers

One behind the head and the bangs

Next, you need to be familiar with the wave principle

This is basically how the hair flows in the wind

You can erase the color layer so you're left with just the line art

But I like to keep mine so I can use it as a guide

Select your line art, hold shift then tilt it to the side

You CAN NOT move the entire hair

Unless you use one consistent line to draw the entire hair

Now move the middle section of the hair further to the right

Then adjust the ends to follow in that direction

To color you new line art

Erase the entire color layer

Select it with your selection tool

Then Press CTRL+F to fill the entire selection

Same process with the bangs

Hold shift and move them to the side

Or just do it manually

Remember to move the middle section then have the end follow

Now lets shift the cloak

It doesn't necessarily have to follow the wave Principle

Depending on the type of material

Then we repeat the process a few more time

Until we're satisfied

Import your images into your editing software

And sequence them as you see fit

Then have it loop

Add a background, some lighting and you're done

Hope this helped

Thanks you guys for watching

Please like and subscribe :)

For more infomation >> How To Animate Hair Blowing In The Wind (Tutorial) - Duration: 5:31.

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How I feel playing against mono red | Magic the Gathering | Pixie Kitten Plays - Duration: 1:06.

Um, pass to you

okay I'm going to play a land

cast a lava coil on your creature

guttersnipe will deal two damage to you

enter combat swing for four with the steamkin

cast a shock for two damage

so steamkin gets a plus one counter

cast a lightning strike for three

going to cast warlords fury to draw a card

guttersnipe will deal two damage, electrostatic field will deal one damage, and oh you're dead

This video brought to you by Cardsphere! Click their link in the description below!

For more infomation >> How I feel playing against mono red | Magic the Gathering | Pixie Kitten Plays - Duration: 1:06.

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How Not to Summon a Demon Lord 2 - El Juanito Reviews - Duration: 7:47.

Last time, Diablo promised Rem he won't abandon her even if she has the soul of Demon King Krebskrem sealed inside her body

This guy... Into Furry and L0L1S

He takes advantage that in that world she already has age to get married and there's isn't Social Media to tag him in memes #Furry

No, but here's always some dude bothering you

Celestine Baudelaire lap dog appears: "You're the n00b, I'll beat you even worse than the Vaevictis eSports All Female Team"

Yo mama makes quesadillas without cheese

Whoa! If I were you, I'll be so mad I'll throw him my wine bottle

The guy gets mad! What's with you? HUH!? You want some of this?

Chicken, you play Resident Evil 2 with the lights on

Oh yeah, you can't sleep after watching The Simpsons Treehouse of Horror

They're like an arguing couple, kiss and make up already

that guy with his hommies, already drunk, yeah, in a group they're so brave

But the A Whole summons a f'n Level 30 Salamander

I'm gonna leave you like charcoal for BBQ Grill

Dude! Really? Take out that thing inside the city?

The other day, my pal "Macaw" went to visit his girlfriend riding a horse

and the police already wanted to fine him for obstructing a public alley. Now this :v

And his pals are like when you're already wasted, and want to do something stupid

they tell you "don't do it", but don't really do anything to stop you

'cuz they actually want to see you do it

and the salamander does attack with Fire Breath, like a liquid-fuel rocket

But Diablo is like, meh, and this isn't even 10% of my power

Man! He's like Terminator at the end of the 1st movie

So, the NEET takes out a stick from his A55

and performs the most powerful spell in the universe

Dude! That's the same magic of Megumin from KonoSuba, but he does it without chanting

At least he uses it against giant monsters, not flying cabbages

Another fact, this mage doesn't end up lying on the ground after burning everything in a 180 feet radius

She can barely move after performing that magic, after doing so, she's basically a dakimakura like the one oniichans sleep with

What did you say about my waifu?

Dude, and you notice that after dropping that bomb everybody is still sleeping? AS IF!

in my neighborhood if you go out and explode some firecrackers, all the meddling neighbors go out to see if it isn't a gun fight

Yeah, but that butthead already died :v

Takuma will take advantage of the new "scholarship" for NEETs

and with that, he'll have even less of a reason to go out and find a job if he gets paid to play games all day

Money does not motivate lazy kcufers to go stop sitting on their behinds and actually work while they are being kept

hunger does

and don't say something like people steal fuel "because they're in need"

Yeah right you mother kcufers, and farmers work all day in the sun digging fields for fun, you SOB

and there are gamers that get $$$ just to play all day, but they're actually good at games & making videos

and forget about having a cute cosplayer girlfriend that likes you just because you defeat bosses for her

You are not Juanito, stop dreaming about a gamer waifu

The next day, the guy wakes up, and sees he's still in a medieval hotel

Dude... That thing about being Diablo wasn't a dream... I was really summoned in another world

WEll, is not like if in mine I had a life outside the game, I won't get sad :v

Mhm, there's a weird lump in this matress

Oppai /._./

And the dude massages her like an Italian Chef preparing pizza dough

I'd eat something baked by Satania from Gabriel DropOut :3

As soon as she wakes up, he's gonna lose his hand

I didn't mean to, I didn't know you were there... I'm a sleepgroper

You mean if I choose you as my master, I get bewbs?

But this dude, he's into furry and L0L1S

I'm sure he finished Nekopara with Chocola Route

Of course he won't let that slide just like that

Uh, he called you board

and speaking about furries, Senran Kagura Peach Ball is available now, with all the exquisite stuff on Nintendo Switch

The physical imported game plays fine in an American system, and you can order it online on Play-Asia.com

They also sell the Special Edition of Burst Re:Newal

Yeah, I was playing that one on Steam PC

Another thing hommie, here you can buy Nendoroids, King of Fighters figures, waifu toys and pokemon plushies

The American version of SNK Heroines Tag Team Frenzy is on Sale

Dude, currently they have sales up to 90% 0ff because of the Chinese New Year, take advantage

In the Video Description below is the link so you can go to the store

Buy Something by entering with our link... ANYTHING! That way you'll be supporting us to continue El Juanito Reviews

Yeah, if we're gonna continue, we need cosplayers for Rem & Shera, just like I did with Maika and Hinata in my review of Blend S

When El Juanito Reviews - Blend S 3 ?

Well Socky, they haven't bought any coffee, and I need a budget for Mio's waitress uniform

Ha! Admit it, the one you like is Mafuyu

He he, this sock...

She's 20 Socky

For more infomation >> How Not to Summon a Demon Lord 2 - El Juanito Reviews - Duration: 7:47.

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【RAW ENG SUB】【How Boss Merry Me】Ep11【English Subtitle】Episode11 - Duration: 44:24.

english

Episode 11 sub by Dr Krishna

CEO Ling, Since your wife was badly upset and was also anemic

That is why she fainted.

But she has not become anemic for a long time.

May be because of continuous work she might have suffered from it.

If she rests for a while

She will be fine.

Thank you

Mo Mo

What shall I do?

Good Morning Madam

Where is Ling Yi Zhou?

Mr Ling has already gone to office and he want you to have good rest

Madam, did you guys quarrel?

No,we didn't. Huang Aunt, i have to go.

Madam, outside there are some... What is outside?

The profit of company has risen by 3% in comparison to previous year.

Among them, the real estate income is 62%

The net profit in electronic market has fallen than previous year

However by taking various control measures, the affect was not large.

Boss, your mobile is ringing

Hello! Ling yi zhou, this is illegal restraint.

Mo Mo

Whatever you have to say, just say it after I return home. For now, have a good rest.

You don't have any rights to restrict my freedom

If you don't want to see me, i can temporarily stay at the hotel

I want to leave now, right now.

It's not possible now.

What the hell happened recently?

Is it related to our boss wife?We are done(Chinese expression :)

Boss and his wife seems to have quarreled His face did not look happy either.

Group leader, should we be on our guard while working?

Everybody, be careful, it's orange level warning

During meeting, your mobile must be turned to silent mode.

5 points to be deducted from everybody's merit points and .

no one is allowed to ask for leave within 3 months of time period

OK

Meeting dismissed.

Madam, what are you doing?Sir, just wants you to have a good rest at home.

Does that mean to lock me inside and not let me go out?

Where is my marriage certificate? I clearly placed it here.

It surely must be him who took it away.

Madam! For what reason are you searching your Marriage Certificate?

Do you know where he has kept it? No

Madam, why not you go and have your breakfast first?

Do you think i can't go out from here if you lock me like this?

You just wait and see.

Aunt Huang, Aunt Huang

Madam, what's the matter?

Aunt Huang, I think I am sick.

38.7 degree Celsius.

Madam, how did you get such high grade fever?

Aunt Huang, I am feeling uneasy

Can you take me to the hospital?

But sir has said... He can't allow me to die here at home from fever.

Mo Sao Sir

Would you call the doctor for the visit

Ok sir

No Need

Mo Mo

Why are you searching for the marriage certificate?

Other than buying house, giving birth

don't you know what other things can marriage certificate do?(she means divorce *poor him*)

Mo Mo i made a mistake. Can't you forgive me?

It is not about whether you made mistake or not ling yi zhou

you like to control other people

even feelings of others!!! I really meant to protect you

You protected really well( sarcasm :P)

I am really unable to breathe

Then what do you want me to do?

Remove the two guards downstairs immediately or else i will call the police.

Mo Mo

I will not allow you to leave me

Leave me. Let me Go.

Let me go. Don't hold my hands.

I won't forever.

Hello, Madam Ling! What's the matter?

Is it convenient for you to pick me from my home?

Now?

Did you quarrel with your husband?

Is it convenient or not?

You really have quarreled with you husband!!!

Oh! Don't you make me lose my sleep at such late night.

I have to go out tomorrow morning.

Ok then! Have a good rest.

Oie! Is everything ok?Oie...

SIr, Madam haven't eaten anything today.

I know it

Just avoiding food for one day i am feeling dizzi

What shall i do tomorrow？

Mo mo

I heard Aunt Huang saying you don't have appetite.

Why are you not eating food? There is nothing wrong with my Appetite.

If you don't free me for one day then i won't eat for one day

Even if you are angry, don't sacrifice your own body. Let;s go... have some food

LIng yi zhou! I am not your pet. That's why

i don't want to be raised by you.

Everything else I can promise you except letting you go.

Except you letting me go, i don't want anything from you.If you don't have anything else then just go away.

Let me go!!

What are you doing?Just let me go

Aunt Huang please warm the rice and food.

Mo Mo you have to eat today.

I don't want to. Just because you are angry with me

don't let your body suffer from it.

Ok, I will eat. But i have a condition. OK say it

I don't want to see you. Ok i will stay at the hotel from tomorrow onwards.NO!!! I don't want to see you from now.

Ok! I will go back to my room.

Can you come here quickly？Sir and Madam seems to have quarrelled.

Can someone come quickly? CEO LIng's door lock has been broken and it's not opening.

Come quickly

Come quickly and see.

Mu Mu open the door.

Is there anyone outside?

What happened madam?The lock is not opening!look at it.

Is there anyone outside?

Open the door fast. Boss wait for a minute. I will find Aunt Huang.

Aunt Huang Aunt Huang

Please quickly bring the keys.I'm Coming.

Open the door Mu Mu

What's the matter? How come the door is locked?

Where is she? She just went down.

Don't chase anymore.!

Grandmother why did you come? If Aunt Huang did not give a call

i can't imagine what turmoil you guys would bring to this house?

What things can't be talked by sitting!!

Mu Mu are you ok?

Mu Mu did this child bully you?

If there is anything just tell me

I will help you to decide.

Mu Mu

Grandmother told

you said divorce just casually

so that you leave from here quietly, is it true?

True or false: Is it important now?

I am wrong.Don't go ok?

You are wrong??

Do you really know that you are wrong?

If you really knew you would not restrict me here.

You are right. At the beginning i did not thing about divorce.

I just wanted to carefully think about our relationship

But i did not think that you would imprison me

You did not think me as an independent minded women at all

You just satisfied your perverted possessiveness and controlling desire.

Mu Mu

Don't you want to know

when was the first time we met?

At our birthday two years ago

Please welcome sir

I want a birthday cake. Ok sir.If your Birthday is today then

you can use membership card to buy one and get one free sir. No need

Sorry sir. Our card reading machine is not working today and can't swap any cards.

Let it be. Sorry!!

Use my membership card then, Today is my birthday too.

Membership card can buy one get one free.

That cake is from me. aaw no need. Thank you

It's all right.Anyways I Can't eat it all.

That is gift for you..

Happy Birthday to you

Waitress, two cakes. Ok

So your name is xia lin

So last birthday

you took me to the cake shop

was the shop we met for the first time.

I did not remember at all.

Because it was just an unintentional action for you

It was nothing special for you but for me

that was the day when my life was entered with warmness.

Just because of one cake

you started taking notice on me(*liking ：😜）

We met again

after half a year

728 00:44:16,345 --> 00:00:00,000

For more infomation >> 【RAW ENG SUB】【How Boss Merry Me】Ep11【English Subtitle】Episode11 - Duration: 44:24.

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How Chelsea can still sign players in the summer despite transfer ban - Duration: 4:15.

 FIFA have hit Chelsea with a two-window transfer embargo.  Following a thorough investigation into the signing of youth players, FIFA have announced that Chelsea will not be allowed to register any new players in the next two transfer windows

 A statement on the official FIFA website read: "Chelsea was found to have breached article 19 of the Regulations in the case of twenty-nine (29) minor players and to have committed several other infringements relating to registration requirements for players

The club also breached article 18bis of the Regulations in connection with two agreements it concluded concerning minors and which allowed it to influence other clubs in transfer-related matters

   "The Disciplinary Committee sanctioned Chelsea with a ban on registering new players at both national and international level for the next two complete and consecutive registration periods

This ban applies to the club as a whole - with the exception of the women's and futsal teams - and does not prevent the release of players

 "Additionally, the club was fined 600,000 Swiss Francs (approximately £460,500) and given a period of 90 days to regularise the situation of the minor players concerned

"  Chelsea have appealed against the decision, however, saying: "Chelsea FC categorically refutes the findings of the FIFA Disciplinary Committee and will therefore be appealing the decision

"  As such, there are two key points to make when suggesting that the Blues can still sign players during the summer transfer window, despite the decision made by FIFA

   Firstly, the ban laid down by FIFA is a ban on registering new players in the next two transfer windows

That does not stop Chelsea signing players, but it does stop them being able to play these new players

 Diego Costa left Chelsea for Atletico Madrid in September 2017, despite the fact Atleti were under a transfer embargo

It just meant that Costa could not play for his new team until the ban was lifted, which happened to be in January 2018

 The Blues would have a bit longer to wait, given the two-window embargo, meaning if they were to sign a player this summer he would not be able to feature until the 2020/21 season, but they could sign someone, not register them and loan them out

 Secondly, the ban is under appeal now.  And the embargo would be placed on hold until such time as the appeal was heard

   Previously Real Madrid were given a two-window ban in January 2016. The appeal was not heard until December of that year, meaning Real could sign players in the summer window and the ban was then cut to one-window, effected during the following January

 Should a Chelsea appeal take as long to hear, they could sign players, and register them in the summer as normal

  Keep up to date with the latest news, features and exclusives from  football.london  via the free football

london app  for  iPhone  and  Android . Available to download from the  App Store  and  Google Play

For more infomation >> How Chelsea can still sign players in the summer despite transfer ban - Duration: 4:15.

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Police Fear Jussie Smollett Case Could Impact How Hate Crimes Are Handled | NBC Nightly News - Duration: 1:33.

For more infomation >> Police Fear Jussie Smollett Case Could Impact How Hate Crimes Are Handled | NBC Nightly News - Duration: 1:33.

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黒ニンニクの作り方 - Duration: 4:54.

We are going to make black garlic using garlic we grew last year and make them dry.

We would cut the stem, and roots, and we would peel the outer skin to make them clean.

We have some with sprouts, so we would cut it too.

Now we would put them in an older rice cooker, the one that doesn't shut off after a certain amount of time (Japanese rice cookers today automatically shut off), because we would warm them for about 2 weeks.

We would place some kitchen towel (two may be good enough), and we place garlic neatly.

After we place the garlic that are only good (that is, remove bad ones) in the pot, we would put the pot back in the cooker and warm (not cooking mode, the mode just to keep rice warm) for about 10 days to 2 weeks. We would recommend to keep the cooker outside because this would smell.

This is after 2 weeks. Now it's about ready but we would wait for half a day with leaving the lid open to make them dry.

It's after leaving the lid open for half a day. Now we have beautiful black garlic. It's said that these are good for recovery from exhaustion.

They are sweet and yummy. Now it's all done.

For more infomation >> 黒ニンニクの作り方 - Duration: 4:54.

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How to grow and care Orchids (With English Caption) - Duration: 12:59.

hello!

this is an orchid plant

a few days ago I brought this plant from a nursery

One year earlier also, I have brought many orchids plants and also repotted them

these orchids plants are cultivated in the winter countries

in our country like India where it is mostly summer, its growth happens in only winter season and in other times we have to keep this in a shady place

in the roots area, it is given some mos and nothing else

it needs water but remember that, water shouldn't remain absorbed here as it will rotten the roots

that's why when we plant this plant and repot it in our weather we have to use this coconut husk

and, we cut it into cube size pieces and then set it into this type of pots.

the most important thing they need is dead tree bark

like this. but this kitchen waste

this is my homemade compost which I made from kitchen waste, these are mainly rotten vegetable that have taken this form with time

the food for these plants I use is N.P.K 20-20-20 in half spoon quantity mixed with 1-liter water

and use it in the roots area at an interval of 15 to 30 days

use it after seeing the growth of the plants

we have to give water daily but always have a look so that there is no overwatering

we have to keep an eye on the drainage system and the oxygen passing system

that's why in orchid pots there were many holes in the sides. I have made in the pot holes like this

you can even make more holes in the pot than me

I have planted this orchid plant a few years ago

you can see I have planted this plant using this coconut husk

but I think we have to check this every year, and if you observe that the coconut husk is getting rotten and the roots are getting jammed

in that case, we have to lift up some coconut husk and and replace that with some new ones

how to do it I will show you now

this is made of bamboo, you can make it with wood also, but don't use metal as it can harm the plant

lift the husk this way you can see the husk has got rotten and some fungus are also here

this fungus can damage the roots

that's why we have to change it once in a year, but be very careful to not hurt the roots when you do it

lift these slowly.

you can understand after seeing it that this coconut husk is newly set, after planting this plant

you can see all the newest ones present inside has got rotten

but don't clean it much because the roots may get hurt

so clean as minimum as possible and replace them with new husk

now spray any anti fungus over the roots of this plants, at an interval of 15-20 days

like I use bavistin fungicide

I used it at an interval of 15-30 days in 1 spoon quantity mixing with 1-liter water

and then spraying it on the roots area and also in the leaves

then the fungus infection will not happen again, this fungus is very harmful to plants as it will damage the roots

Give water after watching the soil, don't dry this root area as the plant growth will get affected

so when you see the roots area is getting dry, supply water to it

if you see that the soil is damp then don't give water

so give the water after seeing the soil.

like in summer season, we may have to water it daily

because it needs water to survive and although it needs less water but still some amount is necessary

For more infomation >> How to grow and care Orchids (With English Caption) - Duration: 12:59.

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spotify premium free | how to get free spotify premium (iOS/Android)

For more infomation >> spotify premium free | how to get free spotify premium (iOS/Android) - Duration: 3:03.

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Boost Your SexualLife With Honey | How It's Work ? - Duration: 3:22.

boost your sex life with honey suffering from low libido or reduced stamina

during sex the beasts can help you with this honey extracted from a few deer

sick flowers like jasmine an orchard can increase the potency in a man even the

word honeymoon came up from an aunt Saint practice of love when couples

would go into seclusion and take the magical honey drink and it was believed

it would be increased their sexual desire the honey base is full of a

mineral called boron which is known to boost testosterone while metabolizing

east region two spoons of honey are enough to keep you going all night long

honey powered with milk and increase the stamina and would definitely make your

honey happy and content here are some ways how honey can help your sex life

bedtime boost honey makes a perfect pre-bedtime boost if he were flagging

after a long day try a spoonful in a cup of relaxing herbal tea with cinnamon to

get you warmed up and in a mood bath time fun need any fancy bath oils when

your fancy relaxing in the tub just add three tablespoons of honey and two

tablespoons of olive oil to your bath water soothing healing and delicious you

will feel like a goddess whether you are batting alone or not

kissable lips the sweet chest of honey on your lips is guaranteed to excite and

as honey is a potent moisturizer - it makes the perfect ingredient to add to

this simple home medley balm you can add your own sensible essential oils - in

flavors you and your partner love luscious locks pampering yourself boosts

self-esteem gives you a real glow in the bedroom sit aside some time for this

revitalizing honey hey treatment and you will feel great with hey that looks and

smells too gorgeous to resist just massage half cup of honey into your hair

and sit back for 20 minutes then shampoo and condition as usual for ultra soft

sensuous locks get smooth researchers decayed honey for sexual

regard and advocated the drinking of milk and honey to induce love and

ecstasy give it a modern twist and turn your milk and honey into a delicious

smoothie go for protein-rich bananas creamy yogurt sweet honey and juicy

strawberries for an instant healthy libido booster keep it raw of course

there's one very simple way to sweeten things up with honey in the bedroom and

that's to use plain unadulterated and oozing out the jar so include honey in

your regular diet and enjoy your sexual drive

For more infomation >> Boost Your SexualLife With Honey | How It's Work ? - Duration: 3:22.

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How to Buy A Second Hand Vehicle from Private Seller & Dealership - Duration: 14:06.

Hi there smart drivers. Rick with Smart Drive Test talking to you today about

how to buy a used vehicle. And when you think of going out and buying a vehicle

is this what you think of: [BUYING A CAR :: TRANSFORMERS] "Son, I'm a lot of things.

A liar's not one em'.

Especially not in front of my Mammy.

Yes! Getting swindled

at the sleazy car dealership. Well today we're going to talk to you about some tips

and techniques about getting the best car for your money. Stick around, we'll be

right back with that information.

[INTRO & UPBEAT MUSIC]

Hi there smart drivers. Welcome back. Rick with

Smart Drive Test talking to you today about buying a used vehicle - a secondhand

vehicle and how to get the best value for your money. And getting the car that

you want. Not settling for some car that you think is a good deal. So we're going to

give you some tips and techniques about how to do that and the first thing that

I want to say about buying a used vehicle or any vehicle: know that the

price is always negotiable. It's not the sticker price that's on the windshield.

Do not just pay that...actually barter and negotiate for a better price. So that's

we're going to talk about. Now if you're new to Smart Drive Test, Smart Drive Test

helps new drivers get a license, veteran drivers to remain crash free, and CDL

drivers to start a career as the truck or bus driver. So if you're new here,

consider subscribing. Hit that subscribe button just about there. [POINTING TO THE SUBSCRIBE BUTTON] As well, hit that

bell. That way you'll get instant notification when I get the videos up

for you. Now as I said, all prices are negotiable for cars. And you can

negotiate. And yes some of you are thinking, why don't I buy a new vehicle. I

know exactly what my car payment is going to be every month. I'm going to get a bumper to

bumper warranty that's going to be five years. And yes that is an option for some

of you if you can afford to purchase a new vehicle. But I'm going to say to you

that you're going to get a lot more vehicle for less money if you're willing to buy

a vehicle that's a couple of years old; maybe even four years old. Because

oftentimes when you buy a second-hand vehicle or a used vehicle, it's got good

tires on it. It's got - some times it'll come with a set of winter tires or it'll

come with a Thule (roof rack and cargo box) or other accessories for the vehicle. If you buy a brand new

vehicle, one of the most prominent things that you're going to pay money for off the

hop is, you're going to buy new tires twenty or thirty thousand

kilometres, fifteen or twenty thousand miles down the road because the tires

that they put on these new vehicles only last a short amount of time, and you're

going to have to put new tires. So you're going have to make an investment of

about a thousand dollars on a brand new car within a year of owning that vehicle,

which is very frustrating for a lot of people. So if you buy a vehicle that's a

couple-of-years old, four-years-old, you might even get some warranty left over

on the vehicle. As well, you're going to spend probably half of what you would

for a new car. So think about that in terms of purchasing a second-hand

vehicle. You're going to get a lot more vehicle for a lot less money. Now the first

time I bought a vehicle, a long time ago, a couple of decades ago, it was a 1971 half-ton GMC,

with three-in-the-tree (column shift) manual transmission, and an inline-six motor

under the hood. It had a top speed of 85 miles an hour, about 145 kilometers an

hour. And it was what we call in this day and age, a beater. And for some of you who

are young you just got your license this is unfortunately what you're gonna be

looking for. You're going to be looking for a beater that's gonna be a few hundred

dollars. And you know, try and get the best vehicle that you can. There are still

beaters out there, and you still can buy vehicles for less than a thousand

dollars. But it's not going to last you more than a couple of years. And it's not

going to be very much fun to drive. So know that in terms of your first vehicle.

And my second vehicle wasn't much better than that: it was a 1975 Honda Civic as

you can see here in the image. And it had a four-speed manual transmission in it and it only lasted

about a year before the timing belt went in it. And I sold it to a wrecker for

$50, which was kind of frustrating because I put a new

windshield in it and the windshield was $50, and they only gave me $50 for the

whole car when I got them to pull it off the side of the road. So these are some

of the experiences you're going to have when you're buying a car. now if you have

help from your parents or family or friends. That's going to be a lot easier for

you. Now the first thing you need to figure out is how much money do I have.

Okay how much money do I have? What kind of a car can I afford? So you're going to

need to do a little bit of research and go on the internet and figure out what cars

are available for the price range in which you're in. If you're in the less

than a thousand dollars, it's going to be probably a twenty-year-old vehicle. And

try and find something that's going to be reliable. And the internet

will give you that information. If you just type in the vehicle that you're

looking for. The place to get started is either eBay or the Auto Trader here in

North America. Those are going to be your two places to get started in terms of

finding out what vehicles are available, how much these are worth. As well, you can

do some research on the internet and find out the reliability of the cars. People

will give you reports of whether the car is reliable, it lasts a long time, certain

things go wrong after a while and those types of things. So Carfax, Blue Book

value, and Auto Trader, and eBay. Those are the places that you're going to need to go

to start doing your research on your vehicle to figure out what kind of

vehicle you can get and how much money you're going to spend on that vehicle. So

for some of you, buying a vehicle is not going to be your first vehicle. you're going to have

to buy a replacement vehicle. And some years ago, I had a friend of mine who

crashed her vehicle and the insurance company wrote it off. So we had to find

her a new vehicle. And interestingly enough, we had lent her our second vehicle to

drive around so that she had some transportation. And she came back some

time later--and she wasn't very good at buying vehicles and those types of

things--and she said she'd found a vehicle. So we went down to look at it. It was at

the Honda dealership there in Kelowna, BC, Canada. And it was a Toyota Corolla. It was beige-

on-beige. It had a beige interior and beige outside [LAUGHING]. And in my mind, they were asking

way too much for it. I think they wanted thirteen thousand five hundred dollars

for it, and I thought it was only worth about nine thousand dollars. First of all,

I knew that this was not the car that she wanted. She was embarrassed that she

got into a crash, she was embarrassed that she was driving our vehicle, and

wanted to give it back to us as soon as possible. So I said to her, I said listen

this is not the vehicle you want. We're going to offer them a low price. And so when

you go into a dealership, what they do is you go in with the salesperson

into his or her office. You make an offer. And then they get up and they go and

talk to the manager. And they come back to say yes or no. And so this all went down, the

salesperson is behind the desk and we said $9,000. The salesperson said, I'll have to

go and talk to my manager. So he left the room, and I said to my wife and my second

mom who was buying the car. And I said to her, he's not going to take it, so we're just

going to leave. So he came back. And of course he didn't take the deal. And we

just left. And I just said okay fine. So I asked her after:

what kind of car do you want? She said, well I want a blue car. That was it!

She just wanted a blue car. So I looked around on the internet for a reliable

car and I found a Honda Civic that wasn't too far away. It was in her price

range, and it was blue and it was an automatic transmission. It was a good car. So I went

down and it was at the dealership in Penticton, BC, Canada. I drove down there and had a

look at it. I went through the whole vehicle, did a pre-trip inspection. And

this is one of the other things you want to do, is do a pre-trip inspection on the

vehicle. And I'll put a card up in the corner here for you on the pre-trip

inspection and how to do that and make sure that everything's working, and make sure

it's been detailed properly. What had happened with the Honda Civic, the blue

Honda Civic that I had found, was that it had been owned by a single mom. She had a

couple of kids, and when they detailed the car at the dealership they hadn't

cleaned in behind the rear seats. So I was able to negotiate with the dealership

for a couple hundred dollars off the price because it hadn't been detailed.

Now a couple other points about going to dealerships. Know that there's going to

be additional costs in addition to the vehicle's price itself. They're going to

charge you for processing paperwork and those types of things. And in my

experience, that's about five hundred dollars at dealerships. So there are all

kind of bonus things that dealerships charge for. And you know, I try not to adhere to conspiracy, but it tends

to be a bit of conspiracy that they have all these administrative costs. So know

that those can be negotiated in terms of the price that you're going to pay for

the vehicle. At dealerships, you're going to deal with sales people, you're

going to deal with managers, you're going to deal with finance departments, and those

types of things. And one other point - some years ago I had a friend of mine--a

really close family friend. His wife had passed away, and as part of her passing

away, there was insurance money that came. And she was going to donate a portion of

this money to the summer camp that her kids went to. So he had asked the summer camp what they

needed. And they needed a truck. So he called me. I was in Kelowna at the time.

And he was looking at a truck there. And he asked me to go down and test drive the vehicle.

And I went down and test drove it. And it was an old Chevy with a flat deck on it. And

I said, no this really isn't what they need. So I started looking around

Kelowna for vehicles. And I found these pickup trucks that were just straight

cab pickup trucks, which is something that's really difficult to find. Today most

of them are going to be crew cabs and

there going to have another set of doors and seats

behind the driver's seat. And it was spring and and in the

picture it was wintertime. So I called and I said, do you still have these

vehicles. Well it turned out that they were Ford trucks at the Chrysler

dealership. And what had happened was that somehow the Chrysler dealership was

responsible for leasing to Telus, which is one of the big phone companies

here in Canada. And they said, yeah we still have a bunch of them. So I went

down and looked at them. And the salesperson was really good. He went out

and he picked the best one out for me. And you know, up until this juncture I

hadn't dealt a whole lot with domestic vehicles--you know Dodge, Ford and

Chevrolet--General Motors rather. I'd been dealing mostly with imports - Honda

and Toyota. And I went in, we took the truck for a drive. We decided

that yes, we're going to buy it. And we started negotiating the price. And I sort

of went $5,000 below price. They were asking twenty thousand. I said fifteen thousand. And

they were like yeah. They didn't even balk at the price. And when that happens, and you're

negotiating prices, you're thinking, "oh I should have started at ten thousand

instead of five thousand lower." So know that in terms of negotiation. And of

course, there was the the paperwork fee and those types of things. And they

agreed, and by the time we got done, I think it was about fourteen thousand, five hundred,

everything in for the vehicle. And it was a fairly decent vehicle that we got for

the summer camp. It was a leased vehicle and it was fairly good. So make sure that you do a

pre-trip inspection, you take the vehicle for a drive,. and drive it fairly

aggressively if you buy it from a dealership and those types of things. And

as well, when you do buy it from a dealership, know that once you pay the

price, it's very difficult to get anything else out of them once you have

finalized and actually paid them the money. now the final story that I'll tell

you is the buggy (1998 Honda CRV). I bought the buggy about four years ago.

And I bought it privately. And the person that I purchased it from - the seller that

I purchased it from wanted $4,500 originally. And it wasn't worth $4,500. I had

done my research on the internet. I'd driven the vehicle before because I had

another Honda CRV of a similar vintage previously. And I felt he wanted too

much money. So I only wanted to pay him about $3,500, but he had a set of winter

tires and what not with it. And I took it for a

drive. It was a good vehicle. it has been good vehicle for the last four years.

It's got three hundred and twenty five thousand kilometers - two hundred thousand

miles on it now. So it's been a good vehicle. But unfortunately, what had

happened was that he had smoked in it. And it still smelled of smoke, even though he

had tried to detail it. And you can get smoke smell out of cars if sellers have

smoked in the car. Use a lot of vinegar and get one of those aerosol bombs from

your local auto parts shop and let one of those off in there. And that'll get

rid of the smoke smell for you. So you need to do a bit of work. So if somebody

smoked in the vehicle, you can get a really good price on the vehicle because

they're going to have a hard time selling it. As well, my vehicle is a manual

transmission for those of you who have watched other videos. It was a

really good negotiating point (smoking). And after talking to him for a while and just

saying to him, no I don't want to pay this much for it. And we went over and

looked at the winter tires, and those types of things. And I said listen, I'm

going to have to put new tires on it because the tires--the all-season tires

on it--weren't very good. So finally in the end after negotiating, after

bartering and telling him that I was only going to pay thirty five hundred

dollars. And I paid him $3,500 cash. He accepted thirty

five hundred dollars cash because that's what I had in my pocket at the time. And that's

what I was willing to pay for the vehicle. So last point on terms of cash.

If you're going to a private seller, cash is going to work for you and it's going

to give you some leverage in terms of getting a better price on the vehicle. If

you go to a dealership, cash is not going to work for you. Don't let on to the

dealership that you're going to pay cash for the vehicle. Let on that you're going to

take financing, because dealerships get a kickback, they make money from the

financing. So know that. So don't let on that you're going to pay

cash for it. Let on that you're going to finance the vehicle if you go to a

dealership. And also, dealerships are going to have warranties and those types of

things that you could also consider in terms of purchasing a vehicle. So those

are a few ideas and tips and techniques that you can use in terms of

purchasing a vehicle. Do your research, figure out what kind of

vehicle you want. If you want a blue car, then buy a blue car, if you want an

orange car, buy an orange car. Because there are tons and tons of vehicles on

the market, And if you do a little bit of work you're going to be able to get the

vehicle that you want. And know this is going to be your second largest

purchase next to buying a house. So spend a bit of time and get the vehicle that

you want. And know that you're going to get more vehicle for probably half the

cost of what you would pay for a new one. So in this day-and-age, considering a

secondhand vehicle is really an option that you can consider in terms of

getting a vehicle that you really want and want to drive every day. And you know,

spend a considerable amount of time in. Question for my smart drivers: do you

have any tips or techniques for new drivers--smart drivers--who are looking to

purchase a vehicle and get the best value for their money. Leave a comment

down in the comment section there. All of that helps us out. I'm Rick with Smart

Drive Test. Thanks very much for watching. Good luck on your road test. And remember,

pick the best answer not necessarily the right answer. Have a great day.

Bye now.

For more infomation >> How to Buy A Second Hand Vehicle from Private Seller & Dealership - Duration: 14:06.

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How to turn Jupiter into a Star - Duration: 1:50.

It's sometimes said that Jupiter nearly became a star, but that's a bit of an exaggeration:

it would have needed a lot more mass.

To turn Jupiter into a star, just follow these easy steps:

First, grab a carton of a dozen Jupiters and slowly mix them into the planet you want to be a star.

Don't be alarmed if your planet doesn't grow in size, or even shrinks slightly,

planets don't get much wider than Jupiter and just get denser the more massive they are.

Congratulations, Jupiter is now something called a brown dwarf.

Brown dwarfs sit between planets and stars, they can fuse certain uncommon isotopes of

atoms together but aren't heavy enough to fuse regular hydrogen into helium.

The heat that they generate isn't enough to keep them warm, and they'll cool from

an orange glow when they're freshly made, to a dim red glow after a few million years.

To be a true star, we're going to need more mass.

Mix in another 65 Jupiters.

You can substitute three Saturns, nineteen Neptunes or three hundred and eighteen Earths

if you're running low on Jupiters.

Jupiter will continue to shrink, but once you add the last few planets… voila.

Now hydrogen is fusing into helium in its core, and you've made yourself a star...

a very-low-mass red dwarf star that's only 1,700 degrees Celsius, and a million times

dimmer than the sun to the naked eye.

To get it as bright as the sun, you're going to need another thousand Jupiters.