Income tax 2021-2022. Personal use of dwelling unit, including vacation home part number two. Get ready to get refunds to the max diving into income tax 2021-2022. Most of this information can be found in Publication 527 Residential Rental Property Tax Share 2021 IRS website IRS.gov IRS.gov Income tax formula line one income. We would have a sub schedule basically an income statement with income and expenses. Expenses basically being deductions to net then is what rolls into line one income of the income tax formula as well as eventually page one of form 1040. This is the schedule E basically the income statement schedule the supplemental income and loss we're focusing in on the rental real estate. So we're continuing on with our discussion now on the rental property thinking about the division between it being for rental use versus personal use. And we get into the calculations of how we're going to be dividing out the expenses in particular on the income statements were imagining an income statement in essence. And we could divide out the expenses because the expenses are typically for the property for in essence like the year for example or for both business and personal use that we then have to be allocating between business use and the personal use. That's the general concept to do that. We then have to determine how much of the property was used for business versus personal. And now we're getting into some of the details in terms of how to do these calculations quick recap which will require our thinking cap. We're talking about the rental property specifically property that has a business and personal use remembering the general rule for an income tax being that the tax is usually going to be on net income as opposed to the gross income. Therefore the natural types of deductions we would expect would be those that were needed expenses needed deductions needed in order to help us to generate the revenue. So if we have a situation however where we've got a business and personal use then we got to do some kind of allocation method as we see here when we got the property for business or rental use versus the personal use to allocate the expenses out. We're not so focused on the income side of things because income any income we got was of course from the rental use as opposed to the personal use we didn't pay our self income. But the expenses are the items that we might have to allocate between the use of the rental property and the use in the personal side. Some of them may still be deductible on the personal side as well such as mortgage interest and property taxes possibly on a schedule a and other of them as personal items wouldn't be deductible in the personal side but the business use side may be deductible. So then we get into the weeds in terms of what what is going to be the ratio that we are going to be using what counts for rental days what counts for the the personal days and how do we use that calculation to break out between the personal use and rental use our mindset always being from the taxpayer side I would like to allocate more to the rental use because that's the place I'm going to get the benefit from it. Okay so we're continuing on here days used for repairs and maintenance. So what if we're fixing up the place here any day that you spent working substantially full time repairing and maintaining not improving your property isn't counted as a day of personal use. So if we're working on the property and we're trying to improve or we're trying to repair the property notice we have that distinction between whether or not it's going to be categorized as an improvement is it going to be something expense or is it categorized basically as a repair type of item. But the point here being that if we're working on it we're not going to count it as well we're hanging out and the vacation home at that point in time because we're working on the home. So it's not going to be counted as personal use if it were counted as personal use that would usually be a strike against our desires as the taxpayer generally. So don't count such a day as a day of personal use even if the family members use the property for recreation purposes on the same day. I'm over here working on this whole house sweating putting this thing together and the whole family members over there drinking cocktails by the on the deck. But whatever that's okay example Corey owns a cabin in the mountains that he rents for most of the year. He spends a week at the cabin with the family members. Corey works on maintenance of the cabin three or four hours each day during the week and spends the rest of the time fishing hiking and relaxing sounds nice. Corey's family members however work substantially full time on the cabin each day during the week. I don't know how Corey worked this out so he spends a substantial amount of time fishing hiking and relaxing as he gets the family out there. They were working full time out of the good deal. So the main purpose of being at the cabin that week is to do maintenance work. Therefore the use of the cabin during the week by Corey and his family won't be considered personal use by Corey. So once again therefore the use of the cabin during the week by Corey and his family won't be considered personal use by Corey. So days used as a main home before or after renting. So now we got that consideration if it's going to be used as the main home. If it's used as the main home you might have limitations in particular with regards to losses. So for purposes of determining whether a dwelling unit was used as a home you may not have to count days you use the property as your main home before or after renting it or offering it for rent as days of personal use. Don't count them as days of personal use if you rented or tried to rent the property for 12 or more consecutive months or you rented or tried to rent the property for a period of less than 12 consecutive months and the period ended because you sold or exchanged the property. However this special rule doesn't apply when dividing expenses between rental and personal use. You can see property changed to rental use in chapter four we talked about before. Example let's take a look at example number one on February 28th 2020 you moved out of the house you had lived in for six years because you accepted a job in another town we're moving up to another town. So you rented your house at a fair rental price from March 15th 2020 to May 14th 2021 that's 14 months on June 1st 2021 you moved back into your old house. The days you used your house as your main home from January 1st of February 28th 2020 and from June 1st to December 31st 2021 aren't counted as days of personal use. So therefore you would use the rules in chapter one when figuring your rental income and expenses because you had that timeframe over the 12 consecutive months. Example number two on January 31st you moved out of the condominium when you had lived for three years it was a good place. Time to move on though you offered it for rent at a fair rental price beginning on February 1st. You were unable to rent it until April it's a fair price what do you mean you don't want the place couldn't rent it till April then someone moved in on September. You sold the condominium so then we sold it so we didn't hold on to it for that 12 months but then we sold it. So the days you used the condominium as your main home from January 1st to January 31st aren't counted as days of personal use when determining whether you used it as a home. Examples the following examples show how to determine whether you use your rental property as a home. Example number one you converted the basement of your home into an apartment with a bedroom a bathroom and a small kitchen. It's kind of dark down there but otherwise good place we got good lighting we got good lighting it's like those USB lights are as good as the sun because it has like the same kind of vitamin D coming out of it or something. Anyways you rented the basement apartment at a fair rental price to college students during the regular school year college students don't care where they can dig a hole in the ground they're fine. You rented them on a nine month lease 273 days you figured 10% of the total days rented to others at a fair rental price is 27 days. During June 30 days your brothers stayed with you and lived in the basement apartment rent free your basement apartment was used as a home because you used it for personal purposes for 30 days. A rent free use by your brother is considered personal use. So the fact that the brother was in there and is a relative and used it for the personal use is counting towards the days there which are kind of counting against us in terms of the day. So your personal use 30 days is more than the greater of 14 days or 10% of the total days it was rented which is 27 days. So that's the calculation those two tests we've talked about before. Example number two you rented the guest room in your home at a fair rental price during the local colleges homecoming commencement and football weekends a total of 27 days. Your sister-in-law stayed in the room rent free for the last three weeks 21 days in July you figure 10% of the total days rented to others at a fair rental price is three days. The room was used as a home because you used it for personal purposes for 21 days. That is more than the greater of the 14 days. So you got a rule once again the 14 days greater of 14 days or 10% of the 27 days it was rented. So example number three you own a condominium apartment in a resort area. It's a good place. It's a good place. You rented it at a fair rental price for a total of 170 days during the year. So that's a lot rental price in my condominium place made some good money there. So for 12 of these days the tenant wasn't able to use the apartment and allow you to use it even though you didn't refund any of the rent. That's a good deal. So we rented it. They still paid us but then we used it and they bait us. So your family actually use the apartment for 10 of those days. Therefore the apartment is treated as having having been rented for 160 which is 170 minus 10. So you figure the 10% of the total days rented to others at a fair rental price is 16 days. So your family also use the apartment for seven other days during the year. So you use the apartment as a home because you used it for personal purposes for 17 days. That is more than the greater of the 14 days. So you've got those two kind of tests to allocate whether it's going to be rental, you know, the allocation between rental property and personal property versus the allocation or calculation as to whether it's used for the personal purposes. So you use the apartment as a home if it was used for a home because you used it for personal purposes for 17 days. Okay, minimum rental use. If you use the dwelling unit as a home and you rent it less than 15 days during the year that period isn't treated as rental activity. So now you're under the 15 days not rental activities. See used as home but rented less than 15 days later for more information. I limit on deductions. So renting a dwelling unit that is considered a home. So now we we've discussed this limitation or kind of problem. If it's considered a home, then we might have limitations. So that's kind of bad for taxes. Okay, we don't really want to list our rental property as a home or vacation property or whatever, because then we might be subject for example to passive activity laws that could limit the losses that we would like to take on it. So renting a dwelling, renting a dwelling unit that is considered a home is isn't a passive activity. Instead, if your rental expenses are more than your rental income, some or all of the Essex excess expenses can't be used to offset income from other sources. The excess expenses that can't be used to offset income from other sources are carried forward to the next year and treated as rental expenses for the same property. So we got, you know, more severe limitations with regards to the losses. We can't take them against other stuff. So then the question is, well, what do I do? Can I at least take it against other other income possibly in the future rolling it forward? Yeah, but you're severely limited there too as well. So if you had income in the next year, then possibly you could do that. So any expenses carried forward to the next year will be subject to any limits that apply for that year. The limitation will apply to expenses carried forward to another year, even if you didn't use the property as your home for that subsequent year to figure your deductible rental expenses for this year and any carry forward next year. You can use worksheet five dash one. So you can find that in the publication. So reporting income and deduction property not used for personal purposes. If you didn't use the dwelling unit for personal purposes, you can take a look at chapter three. We looked at in the past on how to report rental income and expenses property used for personal purposes, which is our focus at this point in time. If you do use a dwelling unit for personal purposes, then how you report your rental income and expenses depends on whether you use the dwelling unit as a home. So not used as a home. If you use a dwelling unit for personal purposes, but not as a home report all of the rental income in your income. Because you use the dwelling unit for personal purposes, you must divide your expenses between the rental, the rental use and the personal use as described earlier in this chapter under dividing expenses. So of course we got that situation. The income is all income because it came from the rental portion. We didn't pay ourselves income, but the expenses we got that issue with the allocation between personal and rental. We would like to take the expenses as deductions and therefore allocate them towards the rental. The expenses for personal use aren't deductible as rental expenses. Your deductible rental expenses can be more than your gross rental income. However, see limits on rental losses in chapter three. I used a home but rented less than 15 days. So now you rented it under that 15 days. If you used a dwelling unit as a home and you rent it less than 15 days during the year, its primary function isn't considered to be rental and it shouldn't be reported on schedule E. So now you can't report it on schedule E because you're under 15 days of the rental. You aren't required to report the rental income and rental expenses from this activity. Any expenses related to the home such as mortgage interest, property taxes and any qualified casualty loss will be reported as normally allowed on schedule A. So if you can't report it as the rental income on the schedule E, then you default back on over and say, well, can I still report some of this stuff as basically personal items because it's a home on the schedule A. But then you got the same kind of limitations with regards to do you have itemized deductions over the standard deduction and so on and so forth. So see the instructions for schedule A for more information on deducting these expenses. So used a home and rented 15 days or more. So now you used it as a home and you rented it for more than 15 days. So if you used a dwelling unit as a home and rent it 15 days or more during the year, include all your rental income in your income. So then now now the income is going to be included because you use the dwelling unit for personal purposes. You must divide your expenses between the rental use and the personal use as described earlier in this chapter under dwelling expenses. So we got to do that allocation method as would be expected. The expenses for personal use aren't deductible as rental income. So the personal use stuff not going to be deductible on schedule E. For example, if you had a net profit from renting the dwelling unit for the year. That is if your rental income is more than the total of your rental expenses, including depreciation deduct all of your rental expenses. So if you got income after allocating the proper expenses on the on the rental side, great. The iris will just takes part of it as per our usual arrangement. But however, if you had net loss from renting the dwelling unit for the year, your deduction for certain rental expenses is limited. Because we don't the iris is like we don't like those losses. Remember, we don't like that stuff because you might we don't want to take on the risk of loss. So to figure your deductible rental expenses and any carryover next year, you can use the worksheet five dash one. So and I won't dive into that worksheet at this point.


everybody What is going on? Welcome to another video Welcome back to the Northern Territory. We've just arrived back And I thought it would be an absolute disservice to you guys who followed my journey Who followed my YouTube channel who followed these vlogs over the last few days to not give you a quick run down a quick you know Just some thoughts about how this weekend went so as you know I Spent the last four days in Melbourne on the Wednesday I was meant to hit my first ever football training It didn't happen for whatever reason just didn't happen man couldn't get there. Anyways, I thought you know what? I'm not gonna let that ruin things If I can't make the training There's a reason for that whatever reason God has for me I couldn't make the training but what that meant is that I had no chance of playing the game on the weekend One of the main reasons for me going down to Melbourne over the last few days was to get on a football field Finally lace up the boots put the pads on put the helmet on and get out there on the field You know, I didn't care where I was gonna play I just wanted to get out there and you know what lo and behold it didn't happen But I did make it down to watch So I saw a momentous occasion occurred on Saturday, which was yesterday I saw my first live down a football my first live down. It wasn't any fail It wasn't college football. It was Victoria gridiron in Melbourne And it was great.  I loved it and it one it made me want to get out there But I'll tell you what that the weather it was like five degrees It was raining and I was like holy shit if I didn't have gloves on My hands I wouldn't even be able to catch the ball man So I could I can definitely understand why these guys wear these sort of Hand warmers around there their waist anyways guys. Look Fantastic experience. I met I met the people I needed to meet. I met the treasurer First person I talked to was the president believe it or not And I met the coaches as well. So if at any point I want to head back down to Melbourne Hit a training during the week. I Most probably will be able to get on the field, but I'll have to play some pay some registration fees first anyways guys they did say that if There's a bye week and they're not playing on the weekend. They have two trainings They have one on the Wednesday and one on a Sunday. There's actually two weekends in a row coming up Where they have a bye this particular team The second division team so what that means is that for two weeks straight? They're having two trainings a week. So for me to get the most out of a couple of weeks down in Melbourne as far as football goes I Would want to hit it on those weeks because I don't think you know, there's they were telling me I saw that I saw the squad there The squad was about 40 40 players deep and there's 11 players on the field at each time Regardless of what position I'd want to play. I don't think I'd see many minutes You know, they told they literally pointed some people out. They said look this guy over here He comes down every week. He suits up every week and he'd be lucky to get two minutes on the pitch You know, and that's the reality of it when you've got players who want to play for me to come down from Northern Territory Fucking just roll up at a training and expect to get on the field for a decent amount of time It just doesn't happen man. You got to put in the effort You got to get down to training You got to put in the effort and it gets it gets noticed and you will get a starting spot on the squad And that's that's how I would expect it to happen So the only reason I thought that I might be able to squeeze into this team is because there's a second division team So there's the top team, which is the Warriors Then there's the second division team from the same club called the barbarians and that is the team that I went and saw So I had mentioned that some of the players in the top division team from this this club played for Australia in the past and I Saw a couple of linemen. I saw the size of them about six five two sixty But I didn't see any skilled players that had played for Australia I would have had to stay a lot a lot later in the day and Like I said, man, it was getting fucking freezing and I wanted to get out of there So I saw I saw a few down actually I saw like three quarters of that game The game that I would have been in possibly what that's done.  Well, I've seen it now. You know, there's nothing. There's no one huge There was actually an American import in the opposition team That had a big rap on him.  Yeah, I want to be like that So for me to see something like that in person was fantastic my mindset, you know It puts something and put a visual goal in my head that I need to sort of You know get myself to court. So here we are About 10 minutes away from Ares Rock. I'm heading back to Alice Springs. I've had I've had an awesome time I really have Another thing I wanted to talk about whilst I was down there. I put in work man There was two reasons I went down which I talked about in a previous vlog One was to meet the manufacturers for my clothing brand, which I did Something that has been on my mind for so long. I've put money down. I still hadn't met them So I've met them that's done Fantastic every time I email them in the future. I will have put a face to a name. We know each other now. It's great. Anyways, we did that We missed the football training went to football game The other thing that I had in mind to do whilst I was down here whilst I had some free time Was crack into the top 100.  I'm getting to number one and That's exactly what I did So why I reacted To from number 70 all the way down to number one in three days And so what I what I hope what I hope I hope to God that you guys really enjoy it I hope to God that me doing 70 players reactions within three days Didn't reduce the quality of the reaction, but I don't think it did I seriously don't I had a fucking great time The whole way through I just had to get some sleep and eat something because that's what I find myself doing man When I really get into some editing or making videos I can go hours hours Without even thinking about eating and then my stomach will rumble. I'm like fucking hell man It's the last time I ate probably about 12 hours ago So those are the kind of mindsets I get and that was the mindset I was in all the way down in Melbourne, and I'll tell you what man we went We went in threes so 70 69 68 was one video 67 66 65 and so on all the way until the top 10 in which case I started doing one video per person so for the top 10 of the 2018 top 100 players in the NFL I did a video on each player now a lot of those players are players that you guys been Requesting and I hadn't done yet. So after this vlog That's what you'll be seeing over the next couple of weeks all those videos being released I hope you've enjoyed this journey this last four days that I've spent down in Melbourne I hope you've enjoyed coming along for the ride. I appreciate all the support As you guys know I I do you know, I can't really say too much more about that I appreciate everything you do guys.  There's one thing. There's one thing man I tell you what when I saw this everything's happening in in sync. I don't know why in October this year Australia will be hosting their first ever international scouting NFL combine Australia okay to make it to that event you need to attend one of five regional qualifying events Okay in two weeks They're holding a regional qualifying event in Sydney and in Brisbane You have to do five drills nothing else no skill. I don't think unless you want to but there's five drill This is like a qualifying event. You don't actually go to the combine unless you Register yourself in one of these five events go to it and do these five of five drills. So they are Number one. I've done them all guys.  I tell you what my heart skipped a beat when I saw this literally in two weeks I could be in Brisbane trying to put my name forward to be an Australian making the NFL if I want to YOLO man Will I make the NFL? Will I do I really think I'm gonna make the NFL?  I'm 27 years old. It's just it's just a new set of steps It's a new set of footwork that I plan on bringing to the game. You know if I'm coming up if I'm a receiver.  I'm coming up to you You know, I'll be fucking. Oh, you can't cover me. So many of those guys those five Sorry Don't don't don't hate on me too much for doing that. I just got a little bit carried away carried away but but look guys The reality of it is the reality of it is I'll arrive there I have to do five drills the 40-yard dash the 510 5 the three cone drill broad jump and vertical jump, okay so That's all I'm gonna say about that if I make it to the combine Just know That we called it here first.  You can do anything If you've set your mind to it, and I'm running out of time and time is our biggest asset And it's running out for me. So if I don't go to this at age 27 It'll be a whole nother year I'll be age 28. Who knows where I'll be I might have I might have too many responsibilities that I just cannot make it You know, this is possible for me to actually get there So I think I'm gonna do it and over the next two weeks I'm just gonna try and prepare myself to the best of my ability to go there and Smash through those five drills in the fastest in the best way I can So that means sprint training that means resistance training that means hitting the bench press which I haven't done for a while That means going down to the field practicing my broad jump practicing jumping up and out rather than just out and Practicing my my vertical as well I'm excited man I'm excited. I only found out about this combine last night, and it's happening in two weeks Like that's what I'm saying man.  I hope you've enjoyed when we get to number one Before the start of the regular season like I said We'll be coming back to vlogs And I'll be updating you on how things went in either Sydney or Brisbane When I go and attend this combine because you know what when I started this conversation with you guys just 20 minutes ago 10 minutes ago.  Wish me luck guys Gonna be a fun couple of weeks


Hi everyone, Joe for jaspyscasebrakes.com coming at you with 2020 Panini Donner's Optic Football Blaster box Random team a break number 78 with a mystery crate spot being given away a Fraction of the price could get you a $1,500 spot in that mystery crate There's only five items in that the latest jaspies mystery crate only five items one of which Tom Brady graded rookie card Pretty nice stuff. So go for it ladies and gentlemen big. Thanks everybody here We're gonna do the break first Make a sweat it out a little bit. So let's roll it randomize it six and a four ten times for the break names and teams one two and 10th and final time six and a four ten times for the teams one Nine and 10th and final time after ten and no trade windows in these filler breaks as you know by now I just want to get right to the giveaway part as quickly as possible All right, so here's the first half of the list right here And there is the second half of this right over there and let's alphabetize by team name Let's print and rip Could be some surprises here Blaster box and there's your final print out right there. Thank you You There's Baker Mayfield there is a rated rookie hollow Antonio Gandhi Golden Tommy Stevens Pink Antonio Gandhi Golden So a couple nice cards there for Daniel and the Washington football team None of the the big quarterback names or anything like that, but pretty solid So let's grab everyone from Alan down to Daniel new dice new list And it's just the top name gets the mystery crate spot Let's roll it. Let's randomize it After three times two and a one three times name on top $1,500 spot one happy person 31 sad people After three Good luck one two and three After three times That second spot, that's always the killer. It's right. You're just like so close gale. Oh Sorry gale very close no cigar on that one. Thanks everybody for giving this a shot from two down to 32 It's a risk. It's a risk worth taking especially considering how big of a spot you can get for a fraction of the price So I appreciate everybody giving this a shot. We do have to do another one of these possibly more So if you want to take another crack at it Jasper's case breaks calm name on top is super happy. It's Daniel Congrats Daniel After three times your names on top and you will be in that mystery crate break We'll see you for that a little bit later tonight Jasper's case breaks calm


for the old time. All his old friends were not forgotten by Warley. So it is just once again a tremendous honor and a wonderful privilege for me to welcome you all, to thank you for coming, and thank you for all of your efforts that you have contributed to making Erie what it is today. Now the plaques that we will be unveiling recognize those who contributed between the founding of Erie in 1960 and the inauguration of these grounds. We will have another event for those who were present during the Chandler years, that first dozen years where Erie really began to take on its personality. Next Thursday in Kerry's garden, the Japanese garden, we will have a Melinda Sena for all of the folks from the Chandler years, and we define the Chandler years as from 1960 to the present. So all are welcome to that merry end. With that I would like to, I believe, invite Dr. Woods to participate in the unveiling of the plaques for the Erie pioneers. Dr. Woods will be on that side and I will be on this side as well. Okay, very good. To make a short response on behalf of the Erie pioneers. I quote my name on the other side of the plaques into the bin, a disaster if my name is not sponsored on behalf. Well thank you very much Erie, Thor Robert Siggler, Erie Director General, Professor Dr. Elizabeth Woods, Chair, Erie Board of Trustees, I'd like to mention former Secretary Yap, other distinguished guests, fellow pioneers, ladies and gentlemen. I have been tasked to give the response on behalf of the other 341 individuals listed on the plaque, which was just unveiled. I understand this will be permanently installed in one of the walls inside. I am greatly honoured and at the same time humbled in accepting this assignment. Honoured because going to the least you can see the names of individuals who have been recognized by National Academies of Science, professional owner societies and international organizations for their contributions to the betterment of humanity. To be included in such a list is indeed a great honor. I am humbled at the same time because I feel so unworthy to be speaking on behalf of this elite group. Please allow me to highlight a name on this list of Erie pioneers. I am referring to Federico V. Ramas, a very close friend and colleague. Tongetto, as his friends call him, was one of the first, if not the first professional staff member, hired by Erie. He, together with Lloyd Johnson, were the architects of Erie's experimental plaques, which were meticulously measured and can easily be irrigated and ordained to meet the needs of Erie's research scientists. Many of you may not know Tongetto, as I fondly call Federico V. Ramas, is the father of a member of Erie's Board of Trustees, Dr. Merlinda Ramas-Roman. On behalf of my fellow Erie pioneers, I find Erie's management, headed by Dr. Robert Siddler, Erie Director General, and Professor Dr. Elizabeth Woods, chair of the Erie Board of Trustees, for this plaque commemorating the Erie pioneers. We truly appreciate the honor and recognition you have afforded us. Thank you and God bless. Thank you, Mr. Salica. I have just been informed by a young upstart here, a great pioneer with us, and then you wanted to introduce him to the crowd. Dr. Atnali Salavro Villegas, the six-week soul. I'll be back, excuse me. Okay, I'm sorry to intrude now. Thank you for the intrusion. Okay, with that we come to the conclusion of the formal part of this morning's ceremony. For those of you that would like to join in on the tour of Erie facilities, we had some trailers waiting down the front, so please just make your way directly there. Otherwise, we hope you've enjoyed the morning and that you will participate in the rest of the Erie activities to celebrate our 50th anniversary. Okay, wait, wait. And the Board of Trustees will move to the boardroom. And the Board of Trustees will head straight to the boardroom.


Hi everyone, Joe for Jaspy's casewrakes.com coming at you with the Pistons, Cavs, Warriors, Heat, Clippers, Jazz, random number block. There you go, Matt's here, Matt's waiting for this to happen. Thanks everybody for making this one happen. If you bought a full spot, you got a chance to win an extra spot. Little buy one, get one scenario for Han, Jeff, Chad, and Andrew. So you have a chance of winning that 10th extra spot right there. New dice, new list, that'll be different from the dice roll it will do for the numbers. Name on top after nine, four and a five, nine times. One, two, three, four, five, six, seven, eight, and a once more ninth and final time. Chad, congrats to you, Chad. Your name's on top after nine. That's an extra spot going away. Little buy one, get one scenario. That's why you'll have that little rooftop next to your name. Gather all these names again, put them in here. They're the numbers right there. Second dice roll, let's roll it, randomize it. Three and a six, nine times for each list again. Nine again, one, two, three, four, five, six, seven, eight, and a ninth and final time. We've got Jeffrey down to Han. Three and a six, nine times for the numbers. One, two, three, four, five, six, and ninth and final time. Zero down to eight. As you know, because you read the item description, zero gets you any and all redemptions, including one of one redemptions. Han, you'll still get live one of ones. But Jeffrey, you have zero, so you get any all redemptions for that group of teams down there. Han with nine, Andrew with six. Han with three, Jeffrey with five. Chad with seven, Han with one. And two, on the ones and twos, Chad with four, with the extra spot you won, and Han with eight. So it's sort by column B right there, so there you go. Chad still has four. All right, and there you go, gang. I'll see you in the next video for the break, jaskyscasebreaks.com.


73,000 illnesses caused by Escherichia Coli-0157 in the U.S. annually. CDC reviewed E. Coli-0157 outbreaks from 1982 to 2002 and found that foodborne transmission was the most common route of transmission. This article was authored by Josefa M. Rangel, Phyllis H. Sparling, Colin Crowe, and others.


Joining us is Dr. Renna Malek, endocrinologist at the University of Maryland Center for Diabetes and a associate professor of medicine at the University of Maryland School of Medicine. Dr. Thank you for joining us. My pleasure. Thank you for having me. Big news is the price of insulin coming down. What does that mean to your patients? It means a lot. I think it's important to have some context about the price of insulin. So about 30 million Americans have diabetes and of those 30 million, about 7 million need insulin to manage their diabetes. In the last over a 20-year period from 1996 to 2016, the price of insulin went up 700 percent when adjusted for inflation. So for example, a vial of insulin went from $21 in 1996 to $255. So those were, that was a huge economic burden on patients. Some of the viewers may be saying, well, when I go to the pharmacy, I pay a copay for my insulin. It never costs that much. Well, for uninsured patients or patients with high deductible plans and until recently Medicare patients, they were often paying those list prices and paying hundreds of dollars, if not thousands per month for their insulin prices. There's been a lot of pressure to try to bring those prices down from patient groups and professional organizations. And most recently, the Biden administration was able to pass an inflation reduction act last year that the cost of insulin for Medicare recipients can't be more than $35 a month. But again, it didn't help those who did not have Medicare insurance. And so because of some market forces, so there's a generic version of insulin that's been approved in the last year and some alternative sources of insulin like the state of California is going to produce its own cheap insulin and a nonprofit group that's a pharmaceutical company called Civica is also going to be producing low cost insulin for that will be available for about a third of the Americans that need insulin therapy. So all of these market forces played a role in kind of pushing the hand of the pharmaceutical industry to lower that cost. And so now for our patients where they were paying these really high prices, they can plan to anticipate paying less per month for their insulin, the craziness of list prices at a pharmacy, all sorts of medicines is probably another another show with the world of discount coupons and all that. What did it mean for the patients of yours who didn't have the money who were trying to maybe stretch out the insulin? Exactly. Insulin is different than a pill, right? You take a pill once a day whereas insulin the dose you would take may depend on what you're eating, your physical activity, and so you have some flexibility sometimes in the dose. But if someone had to buy two vials of insulin and pay close to $600 a month for it, they may say well instead of taking the 15 units with my dinner that Dr. Malik prescribed, I may only take five so I can make that dose last over time. What that does is that leads to higher blood sugars and we know that higher blood sugars increases your risk of eye disease, kidney disease, heart disease, and what people were doing was they were sacrificing their future health because of these economic constraints. And as a society what matters is the fact that we spend one in four healthcare dollars on diabetes costs. So we are paying the price for this economic price gouging as well further down the line with healthcare. So for our patients now what I hope we can see happen is that they can use the right prescribed amount of insulin because they can afford what they're getting at the pharmacy. The other thing I will say is that because of this increase in prices we've actually been using older insulins lately. These older insulins that we were using much more in the 1980s and 1990s called MPH and regular that people could get for $20 at Walmart, we've been prescribing a lot of them. They're a little less nuanced than these newer insulins and so those patients that have been using those we can probably switch to some of these newer brands of insulin. Let me remind our viewers if you have a question for our guest give us a call at the number on the screen or send an email to livequestions at mpt.org. Give us a primer on diabetes there's two different types. So there's type 1 diabetes which is affects a little under 2 million Americans. That is where your own body destroys the cells in your pancreas that make insulin. We think of it as an illness that children get but people can get diagnosed in adulthood and we even have people who are diagnosed in their elderly years. And then there's type 2 diabetes which is a catchphrase for everything else. People with type 1 diabetes must use insulin to manage their diabetes. People with type 2 diabetes the majority are able to be managed with non-insulin medications. Let's take a phone call from Allegheny County. This is Lisa. Lisa, thank you for the call. Go ahead. I think diabetic and she uses two different types of insulin. One is a long term and the other is a short term. Can you explain the difference to the public? Yes, so you know your blood sugar doesn't just go up from the food that you eat.  So that's really what the liver is for. The liver holds onto sugar and when someone isn't eating releases that sugar. In the situation of diabetes the liver goes a little wild and just dumps sugar into the bloodstream and so long acting insulin is used to control the liver's supply of sugar that's coming out.  Why are more people coming down with diabetes? So that is a very complicated question and and I often say that when we think of diabetes we we tend to think of it as a disease of the individual right. It is a person's responsibility to eat right. It's a person's responsibility to maintain a healthy weight and a person's responsibility to exercise. That's all true but where we're missing the boat is that all of those individual decisions are influenced by the society we've structured. So we have food policies that make healthy foods more expensive and foods that are bad for you very cheap. We subsidize corn production, we put high fructose corn syrup in just about every processed food that we eat.  They have a lot of salt and sugar and fat but they also don't make you feel full and they have addictive properties. We have food deserts. I practice in West Baltimore where access to stores that sell healthy foods and vegetables is really limited and we know that that's tied to to obesity and cardiovascular disease and we market unhealthy foods to children and so people from a young age are kind of starting to eat these highly processed foods. I joke that my daughters who are the daughters of endocrinologists can tell you basically about every flavor of potato chip that's out there because that's what's being targeted to them and their peers. Do you let them eat it? No I do my best to restrict it but you know they're not always in my in my in my sights. Someday they won't be here right? Exactly so you have to really be teaching nutrition. When we think about exercise and maintaining it right it means having access to places to exercise. Gyms aren't necessarily covered by health insurance and your access to safe sidewalks, safe neighborhoods, public parks are all influenced by the zip code that you're living in. So I often say that we've structured our society to make it really easy to get diabetes and really difficult to take care of yourself. So this trend towards more people developing diabetes is it just the United States? Is it just the western world? Are there places on the planet where it's not happening? Where it's not happening so it tends to be diabetes is rising wherever there starts to be more availability of easy to eat processed foods. So we see really high rates of diabetes rising for example in India in more affluent areas in Nigeria. We're seeing high rates of diabetes in in the Middle East but it's all tied to these specific issues related to processed foods, limited exercise. Viewer question, well we see less insulin dependent diabetics because of the new easy ways to determine blood sugar and determine what to eat. It was always difficult to stick your finger all the time. So I think that the individual is referring to the way we monitor blood sugar. So the old fashioned ways you literally pricked your finger drop of blood on a litmus paper essentially. We now have these devices called continuous glucose monitors that you wear for 10 to 14 days depending on the brand and it'll tell you your blood sugar at all times. It'll actually send your blood sugar to your phone. It can be your home screen. Your partner can follow your blood sugars and know any time you cheated for example. And so it makes it easier to monitor and it allows people to modulate their behavior. If you know that a piece of cake is going to take your sugar to 300 you may not eat as much or you may not eat the cake. It may not necessarily result in less people developing diabetes but I think what it will do, what we know it does from studies is that it improves the control of people with diabetes. You have a diabetes prevention program, University of Maryland Medical Center Midtown? Yes, based at Midtown and we are doing it in conjunction with an HSCRC grant with Johns Hopkins. So it's a Baltimore diabetes prevention program system. What do you do there? So the diabetes prevention program is born out of a study several years ago where we looked at people with pre-diabetes and so if you have pre-diabetes I tell people it doesn't mean you're automatically going to get diabetes but you've bought a whole lot more tickets to the lottery. So if nothing changes your risk is higher. And so we learned several years ago that if we can help people make intensive lifestyle changes that results in body weight loss of 7 percent we can reduce their risk of going on to develop diabetes. And so the diabetes prevention program is a structured 16-week course with like usually it's a diabetes educator who helps lead these classes, proper nutrition, exercise, stress management, and the idea is that at the end of the study the 16 weeks you will have lost weight and reduce that risk of diabetes. And just a sentence if you can, what symptoms should people be on the lookout for? For diabetes. So the first thing I would say is that there are a lot of people that don't have any symptoms. So type 2 diabetes develops over time and if your sugar slowly goes up over time you get used to that. And so that's why about a third of people with diabetes don't even know they have it. When the sugars get high enough people may notice excessive thirst, frequently having to go to the bathroom, weight loss, blurry vision. Dr. Renna Malick will have to leave it there with the University Maryland Center for Diabetes and Endocrinology. Thanks for the time. Thank you for having me. Your health segments are a co-production of Maryland Public Television and the University of Maryland Medical System.


Obviously I'm here at Stash and I'm here an hour early. I thought my student was at 10, but they're not until 11. But it's a really cute story. It's a daughter and step mom. And the daughter is surprising her step mom with a sewing class. I guess the step mom was kind of not complaining, but just, you know, talking about how she, you know, wanted to like enhance her skills a little bit. Apparently she just finished her first quilt, but she also has two machines already. So I'm a little bit like, I don't know where we're gonna, I don't know where the step mom is at in terms of her skill level, but she wanted the daughter to take the class with her and the daughter's never sewn before. So it should be a fun experience for all. But yeah, I'm here way too early. I did bring a project. I'm actually finishing up the sew along that went live today. You guys are about to be bombarded with videos, bombarded. I have so many, I have to catch up on, what's it called, Vlogmas. Then I filmed all my works in progress, like the little stack that I got out of that closet. And that ended up being like almost 30 minutes. So that's gonna be a separate video now. Then I've got the sew along, which is five videos. Then I have a first impression filmed, ready to go. So yeah, we're just gonna be cranking them out. So hopefully you guys are not super busy doing anything other than watching YouTube videos. I know it's a crazy time of year. Maybe these can just be your like wind down. I'll be your wind down every day after all the chaotic shopping and wrapping and everything else that you guys have got to do. So I gotta say this is pretty relaxing way to sew. No dogs, nice big bright space, feeling very happy. Okay, so the dress is done for all intents and purposes. I didn't hem it though, not even in the sew along because I figured I was probably gonna wanna make it longer. Just like knee length dresses are not my vibe right now. So I wanna make it longer by adding a tier. I think that the flowy vibe of it kind of lends itself to that anyways. So I put it on and I measured like where the bottom of my fingertips are. And that's where I'm gonna cut it. And then I'm gonna add one tier. And then, so I'm cutting off six inches. So I might add, cause I'll cut off six, add eight. And that'll be like just below my kneecap. And then we'll see where we are with that. I might add another one, but I didn't want the ruffle to start at my knee. I felt like that felt weird. So it's like mid-thigh now. And then the ruffle will be nice and long and really big and gathered and all that good stuff. So I mean, in my mind, that makes sense. Am I about to ruin the stress? I don't think so. I have plenty of fabric. It's gonna be fine. It's fine, it's fine. Here goes nothing. No turning back now. I've got a mini skirt. All right, so I have all this fabric. So I'm gonna cut nine, I'm gonna do nine inches. I'll do 10 and then hem it. Yeah, 10. Oh gosh, okay. So yeah, I'm gonna finish this dress. Teach the daughter and step mom and then go home for a couple of hours probably. And then they're doing a Taylor Swift themed pop-up. So it's like homemade, not homemade, but it's like, you know the people that make earrings and they'll make like, you know, like a craft fair. That's not even the right thing either. What is it called? Like when you just make your own product and then you sell it at like different festivals and stuff. It's like that, but it's supposed to be all Taylor Swift themed. So we'll see exactly how Taylor Swift themed people got. Like, is it just the colors or is it actually like Taylor Swift's face everywhere? So a friend of mine and I are gonna go to that and then they do have a holiday market somewhere that we were also gonna try and go to. I don't need any of that stuff. I'm not planning on buying any of it, but I do like to look at it all and it, I don't know. It's like one of the things that I actually really enjoy about the holidays is these big markets where you can go, you know, look at all the pretty stuff.


At the beginning of the 20th century, industrial revolution profoundly influenced the whole world, changing the way humans had long been accustomed to living and building. The great master corbusier, along with other artists, pointed out that the traditional design industry also needed a revolution. Modernism thus began. Mankind has been moving towards a new architecture ever since. In today's video, we will introduce the workflow of an AI-powered architectural project created with D5 Render by the studio of Urban Studies, which has been approved by the client and professional architects. This project may offer some insights into the relationship between AI and designers. Hi, this is D5 Render. Here we redefine visual storytelling workflow with real-time rendering. Before we get started, make sure to subscribe to the channel and hit the bell icon. The recent Big Hit, designed for Rain Moment Street, is a project of SUS, which aims to build a small commercial complex that is cozy to live and work in. Based on this conception, there are multiple choices to create the facade. After rounds of discussion, they decided to use stable diffusion. SUS integrated AI into their workflow by first producing 2D images with AI, then modeling and rendering accordingly. Usually, there were no clear objectives at the beginning of the project. Thus, after generating a large number of sketches, SUS made constant adjustments to see if there would be more possible design plans. During this process, an architect first drew a rough sketch and then gave AI some prompts to create many similar works. Yet not all of them were practicable. So the architect had to choose some feasible sketches and gave AI more prompts to optimize their light and shadow. Meanwhile, tags of master architects will be added as a reference for the architectural style. There was trial and error at this stage before the designer could confirm the architectural volume, including concave or convex, curved or straight lines, and so on. Move on to fine-tune the prompt and try different CFG scale and denoising strength. This would produce images of various design styles. The architect chose an appropriate one from them and made in-painting on some important or unsatisfactory details. For example, the roof of Rain Moment Street was in-painted to have a look of a hollow net-like form resembling dragon scales. At this point, the design had taken shape, but the image was limited to a size of 512 by 512. SUS extended it to supplement the rest part. Now it came the time to turn the AI-generated sketch into 3D models. Since the sketch was complete and concrete, it didn't take much time to build the models. Architects could add more details as well. For the part of visualization, SUS chose D5 Render as the ultimate tool. The ray tracing technology used by D5 is especially helpful when SUS wants to quickly build an atmospheric environment for the building. The models built by SUS are often full of details, such as curtain wall frames, expansion joints and openings which resemble their look in the real world. Yet the split parts have to be merged in the rendering software leading to many times of model sync. It is troublesome in other software, yet not the case in D5 Render. D5's one-click sync feature allows each model sync to save 10 seconds or more. Think about thousands of times of sync in a project and you'll see how much time D5 has saved for SUS. Just as the pioneers of modernism faced changes at that time, we stand at the crossroads of a new revolution in science and technology. SUS and D5 believe that AI is only a tool and designers are the masters. SUS also mentioned an interesting phenomenon. Some designers call prompt a spell. Technology, just like magic, needs humans to decide how it's applied. AI will make design itself more demanding, so we have to keep up with that demand. As for how to follow the trend of AI, SUS also has some suggestions. Architects should be familiar with the whole workflow, including planning principles, codes, construction and other knowledge. Without enough experience, you can't master AI and make the right choice of solutions. In this case, the design will be empty and boring. Don't turn your design into a black box driven by AI. Don't be lazy. D5 Render, together with SUS, will explore more opportunities with AI, helping designers move towards a new architecture. Stay tuned.


Five apps I use to earn income online on autopilot for my e-commerce business Okay, we all know about apps. There's plenty of apps out there, but which ones are most important I decided to look through all the apps that I use on a daily basis to figure out the ones that are most important I want to share them with you in this video if you stick to the very end and you get into these apps here I'm telling you it's gonna skyrocket your income It's gonna get you organized and it's gonna make you just feel better. So let's get started Hey, if you haven't subscribed do so, please hit that button down there subscribe button and Bring the bell turn on all bell notification so that you get notified every single time I do a video Give me a thumbs up. It helps the YouTube algorithm number one Cartra help desk what the heck is Cartra help desk well Cartra help desk is Something that saves me so much time. I'm so thankful for Cartra help desk now I use this software called Cartra. We're gonna talk more about it because there's a lot of components to it But part of Cartra is the help desk. It's a free one now This is the way it works you can set up a help desk for any page Any course any anything you've got on there so that when people are on that page and they land on that page Or they're in that course There's a little box there and it says have a question click here They can click there and when they click a little window pops up They can either click on Frequently asked questions and click there and it'll have a listing of all the questions that people ask in the answer So it saves you some time now this person isn't emailing you. They're not calling you You don't have to deal with them at all because you've already heard some of these questions I mean how many times do you answer people over and over and over on the same thing same thing? You know shipping times or you know if there's a refund or how to go about getting you know I don't know questions answered about whatever if you have it in a frequently asked question thing on a help desk They can get those questions answered now I know some of you have a frequently asked questions tab at the bottom of your web page Nobody ever looks for it. They don't look for it But if it's built into the help desk which mine is that saves a lot of tickets from coming in But if they want to submit a ticket they can fill out that little box put their name and email in there put in There what the question is I get a notification on my email that there's a help desk ticket and I can go in there and look now I can assign these to different people. I can answer it myself But it's organized and it saves me time. The next thing is Dropbox. Oh my gosh I use Dropbox so much some of you may know about Dropbox, but Dropbox is a lifesaver Dropbox is something that offers me a storage area and I could manage all my information Some of the things it does it does have a flexible storage plan so depending on how much you need That's all you got to pay for you don't have to pay exorbitant money to have a Dropbox count As a matter of fact the initial Dropbox account is totally free It does have something I like because I make mistakes and that's a file and version recovery So if you make a mistake you delete some files or it's from another version you can recover those files I also like the team folder management So I can have a folder in there and it can be just me and my wife on it Or I could have myself and four of my other people working within that folder But the bottom line is you can manage the teams within the folder So they don't get access to all your files But just that one folder that you want them to have access to Now they have a thing called Dropbox paper where you can actually share Create and manage with other team members within there so everybody can be working on the same project I think that's pretty cool Now the other thing they have is the smart sync And whatever I do online on my computer will also update on my phone And update on every device I have my iPad or whatever So as soon as I make that change it's updated I don't have to worry about doing it You as the owner will have an admin dashboard and you can control all of this Who has access to what who doesn't have access You know who's getting stuff shared but the admin dashboard is awesome The other thing that's really cool is if somebody else has Dropbox You can transfer those files to those people and they can pull it up in their Dropbox And save it there so that makes it really easy There's also Dropbox showcase so you can see who's actually interacting with that page And who engages with your files so you know what's going on And I love this one remote wipe no matter where you're at If you want to delete a bunch of files you can immediately do that Maybe you had given somebody access and you didn't want them to have access You can immediately delete those files or move them to another location Now get this third-party applications it integrates with over 300,000 other apps And the last thing I like because sometimes I need it they got live support So if you need help in getting through any of this they're there for you I love Dropbox one of my top recommendations Number three and it's a free one is YouTube studio If you have a YouTube account YouTube studio is awesome You can go in there you can look at your videos you can upload stuff Some of the things you can do is you can search your videos and go directly To a video detail page you can upload a new video or go live You can get help and you can visit your channel And return to YouTube switch accounts or sign out Now I've got several different accounts under the same login So maybe I'll want to run my ads in one account and do my other you know watch videos Another account if you run ads in your regular account it's going to lower your watch time You don't want that because that's something YouTube looks at Now on the left of your YouTube studio you can actually manage the videos And the entire channel okay so you've got your dashboard there You've got your videos playlist analytics You work on your comments if you want subtitles your monetization and your audio Library it's all in one place for you to work in really intuitive I really like it a lot Now when it comes to managing your videos also very very simple You have the details so you can make changes to your videos title description settings You have your analytics so you can see the metrics that are only available at the video level Like audience retention You also have your editors there so you can actually trim your videos and add In-screen that type of thing without having to leave and put it into a video editing software You also have your comments there so you can view and reply to comments On that particular video and you can work on your subtitles too YouTube studio I can't say enough about it's going to change I'm sure they always change when they're with a big platform like this But as it sets right now it's really good It's something that I rely on every morning I get up and I look to see you know How many subscribers do I have am I going in the right direction You know how many comments did I get what's my watch time All these things are really important to me and my channel As they will be with yours when you start your channel or if you've already started your channel You need to get into this YouTube studio. It's so very important Now the next thing I want to talk about is cartra email If you remember in the beginning I talked about the cartra help desk Cartra email is in there too. These are all things that all you need is a membership to cartra Which I put a link below in the description If you click the link you can watch a video on all the things that it does And if you like it if you like it the video is free But if you like it for one dollar you can get a trial so that's pretty cool But let's let's jump into the email With cartra first off the first thing it does is behavior based automation So based on what somebody does Based on their activities based on where they clicked based on if they bought You can make something else happen. So let's say I don't know we sell survival food Let's say they bought a case of chicken and we wanted to sell them a case of beef Well as soon as they get tagged as a buyer of a case of chicken We could send out an email to them that says hey, we've got our beef on sale We saw that you bought chicken we can actually reference that that's pretty cool And this beef is on sale today for this particular price So we could do something like that maybe they clicked on a page And they didn't complete the registration or they didn't complete filling out something We could go back and email that person say hey, you forgot this or maybe they went to the checkout page And they didn't complete the sale we can send them an email say hey We maybe you got busy and and here's a link to that we saved all your information You can go back and buy this item now for a discounted price Maybe they completed a course in there, which I'm going to talk about in a second And you want to send them a certificate of completion or you want to tell them about the next course In the series that you have there's so many things you can do with these automations Now this doesn't even touch on the fact that it's got intelligent split testing so you can split test things The the templates in there are incredible They have pre-made templates that you can use and you can also personalize all the messages by inserting their name address Emails whatever you want throughout the message. All right, I got to do it Next one I'm going to talk about is cartridge memberships cartridge memberships are awesome too Cartridge memberships are where I have all my courses And that is part of cartridge So you really should click that link down there and watch the video you're going to see why Some of the things you can do is a drag and drop interface So it makes it really easy to build your courses in there I really like the templates that are already in there. I like the colors that are in there I like the fact that you can have different tiers of membership So maybe you've got 50 videos in your course and you could sell them the first 10 or you could give them first three for a sample And then when they got through the first three, you could sell them the rest of the course They already like part of the course There's so many things you can do with all this tier Type stuff in the memberships. You're going to love it.  They've got Multi membership portals So you could have four different courses in there But you can also set it up where they have one login to get to all those courses, which I think is awesome Not to mention you can track their progress So if somebody has gotten through five of 10 videos, you could send them a congratulations email automatically when they get there And you can say congratulations. We see that you got through these first five. We want to give you this certificate It's in the you know link attached So you could do some really cool stuff with it as you can tell I like cartra Cartra, you know when I first was going to do this video I was thinking with all these different apps that I have and different things I do But you know the majority of my time I spend in cartra and the reason I spend my time in cartra is because A lot of the other apps that are out there Are individual apps and you have to go to them Cartra gives you all of these for one membership. I can't say enough about them. I am an affiliate for cartra I do want to tell you that but that's one of the few companies I am an affiliate for because I really like their product. I like the fact that they constantly improve the product I like the fact that they're responsive. I like the fact that it's cheaper than anything that's out there I mean I had like 10 or 11 pieces of software and I trimmed it down to one Because cartra had all those things on the inside. So those are my favorite apps Okay, I know you were maybe expecting for it to be all over the place in different apps But a lot of them come with cartra. There's a lot more in cartra I didn't tell you about and if you watch some of my videos on this channel to search Cartra, you'll find a lot more videos on that Now, I don't know maybe you've got a cool app too if you do I want to hear about it Put your app suggestion down in the comments if you've got a question about any of this Please put your questions in the comment section. I would really appreciate it. I love to get your questions Man, if you have questions about stuff, I love it. Love it. Love it. Please put that in there And if you don't have a question and you understood all this if nothing else put in the comments like it Give me a thumbs up thumbs up for the youtube algorithm and say that you like it down there I would really appreciate that don't forget to subscribe to my channel. There's a big red button there if it's gray You've already done it. That's great. But did you ring the bell? Because after you subscribe, you need to ring the bell. You need to turn on all bell notifications So that you get notified every single time I do a new video I really appreciate you watching this video and i'll see you in the next one Hey, thanks for watching my video. Don't forget to subscribe to my channel and click that little bell right there So you can be notified every time I do a new video. Also, click on one of those videos there. Keep watching on my channel