Welcome to this presentation on how to do survey research. As many of us must be knowing, one out of four research work on media and communication studies employs a survey research method. And many of our allied fields including marketing research and political communication and other social science fields employs a survey research in details. And it's important for us to understand the basics of survey research, what are the various steps involved there, how do we construct a sampling frame, how do we do the sampling, how do we construct the questionnaire, what are the dos and don'ts of constructing a questionnaire and how do we actually perform the survey process and how do we analyze it. So in today's discussion, we are going to talk in details about all these steps. So before we start the discussion, it's important to understand this very important definition of what is a survey. So survey is a systematic method. The method is systematic because these steps are decided well in advance. For gathering information, so we are gathering data from a sample of entities for the purposes of constructing quantitative descriptors, or we want some information from a sample of a population so that we can extrapolate from that sample to the entire population. So we are basically studying the characteristics of a population by asking them questions and based on that, we are going to extrapolate for the entire population. It could be about association, it could be about correlation, it could be just description of the population and it could be many other things as we'll see as we go along. So journalism and marketing research grew to use survey because it was seen as one of the most important ways or one of the most effective ways of finding out the view of the man on the street. So it tells us the view of the man on the street and we'll see that even public opinion polling is one very effective way of finding out the opinion of people. So if you want to find out an aggregate opinion, this survey research is a very important tool for that and we'll also see that it also helps demonstrate correlation links between the variables. So if there are variables and we want to draw correlation links or whether we want to see whether there is difference between two groups and such things, that can be done very easily using the survey method. So just to give you an overview of what the survey method is and we'll go in detail in future slides as well. So the first and the most important thing is to define the research objectives. Before we get to work on the research, it's important to define what our research objectives are and then we do two things at the same time. We first of all choose the mode of collection, whether it will be face to face, whether it will be by cell phone or whether it will be using a computer software or whether we'll be using some kind of email list or those kind of things. And then at the same time, we choose the sampling frame. We'll discuss the details of what is a sampling frame and how we can design sampling frame and how we can get our sample from those sampling frames. And then we design and select the sample at the same time after we've chosen the mode of the collection. We construct and pre-test the questionnaires. So these are the two things that we're going to talk in details in today's presentation about how do we do that sampling process and how we construct the questionnaires and how we go for the pre-test as well. And finally, we recruit and measure the sample and then we code and edit the data and then we perform analysis after cleaning that data. So we'll describe the entire process in today's presentation. In mass communication research, for example, especially in the field of agenda setting, there's been a lot of research based on the survey method where we ask individuals what they perceive to be the most important problem. And at the same time, we measure what is the media agenda and we try and draw correlations between the media agenda and the public agenda. Also, a lot of research in cultivation studies and in spiral of silent studies is also based on individuals' reports of their perceptions of social reality. So these are three very important areas where we do survey research. And of course, there are many, many other areas where survey research is a very, very effective measure. And before we go ahead with the details, it's important to understand two major types of survey work that we do. One is a cross-sectional survey, which we do for one point of time and we just ask the opinion of people or we get their idea about their attitude, their behavior, the knowledge and all those things. And we do it at one point of time or we just do it for one time. And then there is the longitudinal survey, which is done at different times, either with the same respondents or with other respondents. So the important distinction between the cross-sectional and the longitudinal research is that in cross-sectional research, we do it just for one time. And in longitudinal research, we do it over a period of time. So if we do trend studies in the longitudinal research, we study a population at different point of time. So we could be drawing on from different samples from the same population and we do that survey over different periods of time. Or we could be doing cohort studies where we collect data over a period of time from the same subgroup of the population. And that subgroup of the population is known as the cohort. That's why we describe it as cohort studies. And when we do panel studies, we gather information from the same respondents over time. So it could be open in polls with the same people about how they feel about the work of the executive at that point of time and at different times. So these are two very important distinctions of survey research that is known in our field. Let's now discuss about the eight most important stages of survey research. So as we discussed in an earlier figure, the most important thing is to identify the focus of the study and how we are going to do that. So first and foremost is the focus of the study or what are our research questions or what are the answers that we are, what are the answers that we are looking for or what are the questions that are important for our research. And then we establish an information base even before working on that it's important to work on the theoretical basis or on information available on that field, on that subject, on that subarea. And before we get to design questionnaires or before we start to think about doing the survey work, it's important to have an information base about that particular subject. And after we've done that, we determine the sampling frame. Sampling frame is a measure of the population. So if we have a particular population in mind and we have to draw a sample from that population, so we have to get a sampling frame. So for example, if you're wanting to study the people in a particular district and the sampling frame would be kind of a voter's list for the entire district. So that is something which is there in a systematic format. And after that, we determine the sample size and the sample selection procedures. We'll talk about random and non-random sampling and probability and non-probability sampling and all that. And the sample size is also a very important decision that we have to make, because that will determine the effect size and a lot of other things that we'll need to know in the research that we're doing. Next is designing the survey instruments. Generally, it's a questionnaire or an interview schedule and that's the most important part of the survey work. After we have designed that questionnaire or the interview schedule, we have to pre-test that survey instrument because there might be certain things that need to be corrected. So we have to do a pre-test. We cannot just go on working with the first draft question that we've prepared. Finally, we implement the survey and then we analyze the data and prepare the final report. So these are, in effect, eight stages of survey research that we have to do. So designing a survey includes, first of all, the choice of the topic. So as we've discussed, we have to know what the topic is. Then we have to know what are the most important variables. And that's where we have to ask the questions. So variables will help us know what are the questions to ask. And the choice of operationalization. So if, for example, we are trying to measure the attitude of people, how do we operationalize it in terms of questions? So do we ask them whether they like a particular program or how much do they agree with a particular statement or those kind of things? So that's how we start beginning to design a survey. Then, as we discussed just now, we have to test the quality of the questionnaire as well, because the initial questionnaire that we have just prepared or we've prepared will have to be, first, taken to a pilot test. And then that pre-test and where we have to probably look for errors or look for certain things that might need some streamlining. Because at the design stage, a lot of these things may not be obvious. And only when we put it to work in a particular sample of the same population, that's when we get to know about the problems that can arise when we're doing the actual survey work. And then we decide on the final questionnaire. And afterwards, we go for the choice of population and the sample design. So this is just to repeat. So just to repeat what we've just discussed, there are these two things that we have to keep in mind while we do the survey design. The first is we have to be very clear about the construct and the kind of questions that we have to frame and how do we get answers for that. And at the same time, we have to be very clear about what is the target population, what is the sampling frame that we've decided upon, what is the sample, what are the number of people that have to be administered the survey, who are the respondents. And finally, we might need to clean the data and then we analyze it. So these two things take place at the same time. While we are deciding on the survey, it is very important to understand the context of the questions and what are we trying to find out? So one of the first things that we could be interested in is to find out the behavior of the people, what people do in a particular situation so that we have to be very clear whether we are asking a question, which is about behavior. The second type is on the belief, what people think is true. So we must know whether we are asking about a belief question. The other thing that we could be asking is about a knowledge question. This is to test the accuracy of what they believe in. Then we have the attitude questions about what people think is desirable and what is not desirable. And it could also be attribute questions. It could be about the rage, their income, their time spent on media and all those kind of things. So before we start administering the survey, we have to be very clear about the context of the questions and what are we trying to find out as part of our survey research. So there, these concepts of the conceptual definition. So what are the key constructs and what, for example, does attitude or knowledge or these kind of things or for example, participation means, we must be very clear about these before we start administering the survey. Also, the operational definition has to be about the actual measurements of a concept which we just saw two slides ago where, for example, if we are talking about an attitude, so what are the specific questions we could be asking about that attitude? So whether we ask whether they find a particular advertisement was good or whether it was interesting, for example, or whether it was informative, whether it was appropriate, whether it was easy to understand, whether it was objective. So there are various ways in which we can try and measure the attitude of a respondent towards an advertisement. So that's where we have to be very clear about defining it operationally, what is the concept that we are measuring and how we are actually measuring it because there will be questions of reliability and validity as we go along. Also, we must be very clear about the kind of measurement we are doing. And I've discussed that in another video in details, but for today's context, it's important to understand what is a categorical variable. So then we are just naming distinct entities. It's categories that we are talking about. If there are only two categories, then it's a binary variable. If we use numbers to just distinguish one thing from the other, so there the numbers don't have any value. For example, your Adharkar number, it could be just a number, but it just distinguishes one from the other. So it's just a nominal scale in that sense. And when we talk of ranks, we are talking of the ordinal scale. And when we talk of continuous numbers, where the distance between one and two and between one thousand, one and one thousand and two is the same, we are talking of numerical scales or interval scales. And if we are talking of an actual zero, we are talking of ratio scales. So we must know about what we are measuring in the survey instrument. And the information that we are gathering is by asking people questions. So that is at the basis of survey research. We ask questions from people. And we ask those questions by either having interviewers ask them questions. So we recruit interviewers, we tell them these are the questions that you have to ask. Or we ask people, or people could be answering their own questions or recording their own kind of answers. Or there are different ways of administering that survey. But important that we have to talk to people and the way we talk to people can be different and we have to talk to a sample of the population. So that these are the three important areas of the survey research that we are talking about in today's presentation. So this is from the International Encyclopedia of Media Studies by Suman Mishra. And this talks about different kinds of methods of administering the survey. So we could be doing face to face interviews where we are actually sitting in front of people with an interview schedule in our hand or we could be doing it on telephone. But in this context of computers and computer-mediated communication, telephone service also have a computer-mediated element these days. So as we can see, the advantages of face-to-face interviews are very much. It gets a very good response rate.  So it allows interviewers to clarify questions and then we can also incorporate video and audio. For example, we can be shooting videos while they're answering. And it could also involve open-ended and lengthy questions also. So if it's a lengthy questionnaire, you could be sitting there and asking them or we can also deal with open-ended questions. But there are a lot of disadvantages. Number one takes lots and lots of time. So one interviewer maximum can do not more than 15 to 20 or even less number of interviews in a day. It requires lots of training. Interview bias is possible there. Reaching some locations physically is very, very, it can be very difficult. And getting a response to sensitive questions may also be very difficult. A telephone service, of course, are cheap and they have a greater response rate than mail service. So we can be just mailing them by post and they are very cheap to conduct. But one of the problems is that there's a very low response rate. People might not respond to the mail then also. Again, that's much cheaper because it's anonymous. So whoever is answering, you know, and they can answer sensitive questions in a better manner there. One of the best methods these days is the online or the web survey, which we know is very fast, very efficient and very less expensive. For example, you could be doing survey using Google Forms and it hardly costs anything and it allows interactivity also. So on an online survey, you can have interactive element and you can have multiple types of questions. You can have multiple choice questions. You can have drop-down questions. You can have linear skates and so many other things. It can help us reach people in a wide geographical area. It can help avoid the interviewer bias because everybody is being administered the same questionnaire. So the disadvantages are that those people, they have to have access to internet technology and they need to be, you know, literate and sampling is also a problem there. And it also ends up with a lower response rate. We can also do the same thing with multiple modes, for example, for example, the same, for some respondents, we can go for telephone survey and we can have a face-to-face component for those without telephone and we can have a male survey with web response options. So there are lots and lots of options. So for example, for one main part of the interview, we can have face-to-face contact and then we have computer-aided self-administered interviews for sensitive items also. So we can have these kind of mix and match processes as well. So before we start designing questionnaires, important to understand that every question we ask should be related to the service objectives or it must provide me with data that I require for my research questions or to reach the kind of inferences that I want to reach to. And also, if we have written a question that is not related to the objectives, then we must have very strong reasons to know what will we do with the data that we collect from this kind of a questionnaire. So we can have two different types of questions. I'm sure this is quite a known thing. So we can have open-ended questions where we do not give options to people who are answering the questions or we give closed-ended questions where we give them choices from which they have to. They can either take one or they can choose more than one there. And also, if it is an administered interview, we can also have pre-coded. So we have two options in the open-ended questions, but it's important to understand why do we go for open-ended or why do we go for closed-ended in certain cases? So in many cases, if we are providing them with closed-ended options then we are probably priming them for certain kinds of answers. So many researchers would probably start off with open-ended questions and then go to closed-ended, but there are views and arguments for against both these types, starting with closed-ended and then going for open-ended also. So this is the checklist for a questionnaire. Is the language simple? Can the question be shortened? Is the question double-barreled? So is it asking two questions at the same time? Are the questions leading? If you're providing leading questions, then as a researcher, you will end up with problems of validity and reliability as well. Is the question negative? Negative questions might confuse the respondents and we might not get the right answers. Is the respondent likely to have the necessary knowledge? So are we assuming that all the respondents will have the knowledge that is the premise of the question? So when we're framing these questions, we must be very clear about this. Will the words have the same meaning for everyone? Is there a possibility of different people drawing two different meanings from the same word? If so, then we must correct that kind of a questionnaire. Is there a prestige bias? Is there a bias for a particular kind of answer which our respondents might be tempted to answer? Is the question ambiguous? Is it too precise? Is the frame of reference sufficiently clear? Does it artificially create opinions? Is it personal or is it impersonal? Is there anything which is objectionable? And does it have any dangling alternative? So there are lots of things that we have to keep in mind before designing the questionnaire. Also to know the order of the questions, we generally start off with questions with the respondent will enjoy answering and they will easily answer those kind of questions. Then we go for questions which are factual. So which are only about facts where people do not have to decide upon their knowledge and their attitude and those kind of things. So we generally advise not to start with demographic questions such as age, marital status and income and all that and it can come later in the questions. We have to ensure that the questions are relevant to the stated purpose of the survey. There are too many irrelevant questions and it will put off the respondents. And we generally go from easy to the more difficult questions and we go from the concrete to the abstract. So we start off with concrete and then we go to the abstract questions. The open-ended questions should be kept to a minimum and if possible they should be placed at the end. So we have to group them into similar sections. We have to make use of filter questions also. And when we are using positive and negative items, it's important to just mix them up so that people are not answering in a particular pattern when they're answering or they're responding to the survey instrument. Also to know as we've discussed that it's important to even pre-test the item. So whether there is enough variation in the answer, if you are getting the same kind of answer, then probably that's not a good questionnaire whether the meaning is clear to everyone, whether people think that it's difficult, whether the respondents find it interesting and they pay full attention and whether there's naturalness of the section. As we just said, we have to divide the question into sections and whether these sections, they are natural and whether the order is logical and whether people are skipping certain questions, how much time is required and again, you know, responded interest and attention. So these are the things that we measure in the pre-test item and if there's anything that can be reworked, we will rework the questionnaire again and then we will administer it once again. We've discussed about the problems of validity. So validity is about questions, measuring what they're supposed to measure. So we must be, as we discussed before, so whether we're measuring the attitude, the behavior or the knowledge or the attribute and the questions actually measure that kind of a thing. So if you are having an attitude question, we must, or when the survey wants to measure attitude, our question must be actually measuring attitude and not something tangential to that and that's what in a crux, validity is. And reliability, again, is very important because we want the same kind of answer from same kind of people. So if they, you know, at different times provide different answers to the same questions then it is unreliable and, you know, we'll have problems with replication of the survey in a different context. So that reliability has to be taken care of and one of the problems that causes reliability is the social desirability bias because a lot of people have a tendency to portray themselves as someone whose thoughts and attitudes and behaviors are socially acceptable or they want to portray themselves as a good respondent and that is why they're not providing the most honest answer but what they think is the most socially desirable kind of an answer. And that causes, you know, problems of reliability for the researcher. So while designing questionnaires we must be very clear about these biases that are being present. So before we begin the sampling process we just, you know, kind of providing you that it's basically the sample is drawn from a population and then there are respondents who are part of the sample and based on their responses we are kind of extrapolating the results to the entire population. So that is why the process of sampling is very, very important and in the next part of today's presentation we're going to talk about the sampling process. So I'm going to give you a very quick overview of probability and non-probability sampling and what are the different aspects of probability sampling and non-probability sampling and how we can go about it. So let's start with the simple random sampling which is a probability sample. So before we talk about a sample it's important to understand what is a sampling frame. So sampling frame provides us an idea about the individuals or the units from the population from which the sample is selected. So as we just discussed some time ago it could be list of registered waters, it could be employment files, it could be list of driver's license holders, it could be a telephone directory, list of students in a university and from such kind of places where we have the names of people in a numbered kind of a list. So that is the sampling frame and from that sampling frame we will draw the sample for our work. So when we talk of probability sampling we suggest that each individual or unit has an equal chance of being selected and that's one of the most desired kinds of sampling because it provides us with an estimate of what is a sampling error and we can kind of estimate the difference between the sample characteristics and the population characteristics. So when we want to extrapolate from a sample to population then probability sampling is the best way to go about it. So simple random sample is one of the most desired methods of sampling where every potential respondent is given a number. So for example that voters list everybody has a number and then we choose numbers randomly by a process that does not favor certain numbers or pattern of numbers. So if we have say for example 10,000 people and we want to draw 100 people as sample from there so we have this one to 10,000 numbers and then we just randomly draw in 100 numbers from one to 10,000. So it's just like those 10,000 numbers are in a hat and we just draw in 100 numbers randomly. But as you know that's not a very practical process so we'll use computer programs or we'll use a simple computerized techniques to do the random sampling. So for example SPSS provides us with a very important case. So if you go to data and select cases you just have to say exactly how many cases you require. So it will randomly select Microsoft Excel hazard and to all other programs including Python and R and even on simple Google search you can draw in random numbers. If you just type in 10 random numbers between one to 10,000 it will just randomly give you those 10 numbers without any pattern. In systematic random sampling we cannot draw in or it is not possible to draw in all these numbers randomly so we start off with one number and then we go on for every other interval. So just let me give an example. So say for example there are 250 students and out of those 250 students we just want nine a sample of students. So if we divide 250 by nine and round it off it comes off to around 27. So the first number we select is random. So say for example if we select the first number as three then every 27th person is selected. So after three it will be the 30th member. After 30th it will be the 57th member. After 57th it will be the 84th member. So we go on by that process. So that is also random sampling but this is systematic and we are not just randomizing all numbers. So this is again a very convenient way of sampling. In a cluster or in a multi-stage sample we sample the hierarchy of units. So say for example if I want to sample people in a state for example then say a particular state has 25 districts then we randomly choose two districts out of those 25. So this is by the random sampling method. And after that we will choose and say for example any four or five blocks from these districts. And from those districts we select the household. So we do it at a multi-stage or we do it in terms of cluster. So we are not doing it for the entire state but first of all we are dividing the state into districts and districts into blocks and from blocks we choose in a certain number of people. So that is also a very convenient way of doing random sampling or probability sampling. The other is the stratified sampling where we divide the population into strata. Say for example we could be dividing them into religious units. So each say for example if we divide a particular community into say for example 75% Hindus and 20% Muslims and 5% Sikhs and we will make sure that of the entire population 75% are Hindus and 20% are Muslims and 5% are Sikhs. So we are drawing samples from each stratum. So we suggest that it has to be that then this provides us with a kind of a representative population. And one of the major problems with probability sampling and with the survey research is the non-response bias when people start responding can't say don't know or they don't answer that. And that's when the randomness is lost because although the sampling is random and people have been randomly chosen and they are answering randomly but we don't know that which are the questions and who are the people who have not responded to a particular kind of questions. And that is why non-response bias is an important thing to consider in survey research. Non-property sampling is a convenient sampling and that's very easy of doing it especially when somebody is doing your private research and you do not have the logistics and you do not have the money and you do not have the means to go for priority sampling then we go for non-property sampling as we understand that it does not give us power to generalize the survey data with any known degree of accuracy. So that's one major problem of non-property sampling but the easy thing is that it's very convenient and one can do it very easily and effectively. So one of the forms of non-property sampling is the sidewalk survey.  Snowball sampling at the name suggests you ask, you talk to a few respondents and then you ask them to identify others who might qualify as respondents. So one person, he might be identifying two or four more people and they keep on identifying others. So that's again, a very convenient way of doing this non-property sampling. Then we have purpose of sampling where we actually reach out to key respondents and we ask them to respond to the questionnaire or to the interview schedule or we have a volunteer sampling where we set out the questionnaire and we ask people to volunteer to participate in the survey. Sample size is a very important decision that we have to make. It depends on the project type. It depends on the purpose of the research. It depends on the complexity of the research questions. It depends on how much error that we are willing to tolerate and how much time we have, what is the budget and what is the normal optimum size on research in similar areas, what other scholars have done. So these are the things that determine what is the sample size. So anything around between 300 to 500 is regarded as a good sample for private researchers. After we have collected all the information, so in the next three or four slides, I'm going to very quickly talk about what are the results or what are the measures that we could use for finding out the results and extrapolating them to the entire population. So one of them could be the T test where we find out how statistically significant the difference between two groups are. So if you have male responded and female respondents and you want to find out whether the marks they've obtained in examination are statistically significant, we do a T test for that. And when there is more than two groups and we want to find out whether the difference between the groups on any statistical measure are statistically different. For example, we could be having people on various age groups and the time they spend on media on internet, for example, in any given week. So whether the time spent on internet across the groups, across the income groups, the low income group, the middle income group, the high end, very high end across these groups, whether the difference is statistically significant. Difference in our case, as I just said, is about the time spent on internet. So whether there is any statistical difference there. So that is where we go for the analysis of variance test or the ANOVA test. We also go for correlation test to measure association. So when we have both the measures which are quantitative or which are measured on the interval scale, so we go for the Pearson correlation coefficient. That's a very effective way of suggesting association between two variables. Another very important test, it's also used for categorical test. It is the chi-square test where we test the relationship between variables. So that, again, is a very important test that we can do after we get in data from a survey. And before we end, we must talk a little bit about the problems with research misconduct. So there are the three major problems. So if you end up making up data and record a reporting them, then that's a major crime that a researcher can do and also falsification. So changing or omitting results so that the research is not accurately represented. And of course plagiarism is something that we must be very, very clear about. So theft or misappropriation of intellectual property is something that has to be avoided at all counts. And a lot of survey requires that we disclose important information at the end of the survey. So questions about who was the sponsor of the research and what was the survey instrument that we used or we have to put up the questionnaire that we use for the survey. We have to provide a full description of the population that we are studying and also the sampling frame and also a description of the sample design, the sampling error and the weighting procedures and the methods of the data collection and when we actually collected it. So all this has to be put up upfront and when we do this kind of a thing, we are said to be doing ethical research. Thank you for your participation in today's lecture.


That's a gain folks inside the NASDAQ of 2.5%, 2.4% in the S&P and 2.1% in the Dow Industrials. Gold. Gold contract traded up $31.1871 an ounce, it's silver up $0.56, $23.98 an ounce, great sweet crude, flat $73.65 a barrel, notes and bonds, they got moving out here too, you have the 10-year note, up $1 full point plus 8 ticks at $1.1409 to $30 up a full point plus 25 ticks at $1.2910, the 10-year rate now is yielding 3.4% folks, at 3.5%. The low for the last three months has been 3.4%, if we take a look at the last six months, this is where this gets wild, look at this message, 2.5% was the low for the last four months, six months and then if we do go back, one in the air folks, here you go, 1.7%, so we've gone from 1.7%, the high's been 4.2% and right now you're at 3.5%. And Kingdollar, Kingdollar, you know, this is why you saw this big expansion on the markets today, Kingdollar down 11.31, Euro at 106, Yen at 132, the British pound at 120 to 1 US dollar, I'm going to go right over and see the volume inside the NYSE because that is going to be crucial, there you go, okay, even so, that's really light volume folks, you've got 800 million coming into a billion shares, if we go into the composite, we take a look at the composite, inside the composite, yeah, composite has it, you did 5 billion, so the composite had some juice in it, didn't break the consolidation yet but it definitely had the juice in it, we go back to the S&P, we take a look at the spy, what do you have with the spy out here, the spy is above the consolidation, it got above this 386 here, 387, you did 96 million shares, which is pretty good, you're going into 117 but that's telling me that this will probably get up to ICE, ICE is laying out inside the spy, folks, it's 391, the NDX100 didn't do that, bottom line it's just weaker eight months away, what you did do, you have to get above the 270, 15, your 268, 80, have a great weekend folks, have a safe weekend, come back and visit Tommy Monday morning, kicks us off 9am, yeah, look at him folks.


Hi everyone and welcome to Microsoft Flight Simulator 2020 and what is Commander Rini's first proper flight in the co-pilot position? Today we're flying the Cessna 208B Grand Caravan in Ethiopia. We'll be departing from the airport at Lallabella That's Hotel Alpha Lima Lima and we're landing at Hotel Alpha Delta Charlie in Convulture and en route We're hoping to find and photograph some giraffe We're using a third-party application called your controls which lets Rini jump into the co-pilot seat while I fly and She'll also be acting as a camera operator on our little virtual safari If you want to try it yourself, you'll find a link to the application in the description below. Enjoy Right well runway 28 28 that's go out and turn left I think Trust me, I'm a co-pilot. Yeah, I saw that one way to eight. Okay, so is that Yeah Taxiway in front of me. No, you need to pull forward. Yeah And go right without squishing either of them. Okay. We'll see how that goes quite honestly Where is the parking brake? What's there? Okay parking brakes off? Oh Put the flaps to the takeoff position Okay, so I'm so I'm pulling out and we're going we're going right Once I've got past all the people who are about to get chewed up. Yes Hi, buddy, sorry There's a car. Yep I'm to the cars skillfully avoiding the cars So my screen okay, just about missed it on my screen Okay, so the runway is there it's like to your right straight ahead. Got it. Got it. Okay. I mean you want to turn Left left. I think I said I don't know go left They should have like little signposts. They're not No, some do some yeah, some airports. It should be left for 28 and right for yep No, a lot of them do have that literally have little signs that go left and right They're not brilliantly clear to read sir. I'm just looking at my compass So we think 28 is left. I I concur. I think 28 is probably left accent. Okay, so I need to call It's quite squeaky handle. It's quite squeaky. I need to call a traffic control again We are cleared for takeoff from moment to eight. I acknowledge that shut that down Okay, I'm rolling so at this point I'm checking left and right anyway Just because just because they say you're clear to take off. It doesn't mean there isn't I'm checking for planes So all gold. Oh, right. There's a so there's a tabletop mountain sort of thing to our right there I see as I'm texting now. We've got to go over that Now my understanding from a little recon I digested a is that that's the safe kind of clearance altitude for that is about 11,500 feet. Wow. Yeah, but we're already at 7,000 feet Six around six and a half already at around six and a half thousand feet, but oh, yeah, it's twenty past seven What? Are you looking at one of the analog dials? Yeah, okay? All right, so we've got to go to twenty past seven feet Yeah, we currently at twenty past seven feet. We're gonna go quite high Okay, much higher. Okay, I'm struggling with the turning circle at the moment, bear with me Well, there is a bit of a turning space here, isn't there? Yeah, okay, that's good Okay, this this plane's got quite a short takeoff. Excellent. Which side of the runway we're going. Fortunately, sir Are we driving European or we're driving English? No, we're not going on a side of the runway. We've fallen the line up the middle Okay, here we go Okay, hold on to your bounce Yeah, put your tree your tray tables and your seats in the upright position Any any drums away from your children Should be looking Sorry, that's me Okay, this thing takes off a lot quicker than I was expecting. Crikey. Crikey It's a beautiful plane this is just wants to fly it's lovely Okay You actually get proper We're in Africa somewhere by the way folks We're gonna do an introduction to this video which we haven't recorded yet so So I don't know why I've already told you I moved into one of the back seats. Oh well done Are you are you literally backseat driving now? You can have a little look around the cockpit, so I've got to spend a bit of time now climbing Okay, I've got to spend a bit of time now climbing to Around 11 and a half thousand feet. We're already at seven and a half. So that's good Okay, I don't know how you got there How did you I don't know okay, so I have got to spend just a weenie bit of time getting some altitude here I was at the wrong way. We just came off. That is the runway. We just came off Okay, we're clear now What are you expecting? Why don't I really I don't know I know I do get I do get it actually I do yeah I do get it is kind of nice to take off from something that was so close to you and then to look back and go I do get you get that yeah, it's one of the things I like about flight simulator is just the sense of Self and being away and then going towards it. Yeah, that's weird. I don't know. I'm not gonna follow our I mean, it's very Very closely at my navigation now I can't see anything I don't I don't know and so in the so there's three TV displays in front of you. Yes, the middle one should be a sort of brownie color like a map Yes, there are pink line on that map. No, okay. I've so where I've programmed in a flight I've got a pink line on that map that is basically telling me the direction that I need to head in. Yeah It is very cool That's GPS is handling that for me, which is quite nice. So I'll be doing for altitude Nine and a half. This is going I know it's a really nice place and so the under so the outside of the aircraft Yeah, there's a big sort of bulbous lump underneath and that's that yeah, I know right and that's actually um luggage space essentially all like cargo Essentially, these are like, yeah, so these planes. This is a Cessna caravan 208 grand caravan 208 and they get used um tourist planes the buses basically they're big sort of yeah she seemed going in and out of you know place, I don't know bush bush flying so places like alaska and Australia and you know the more sort of extreme environments And the reason I've chosen it for this is that it can go nice and high, which obviously we need Um, but it can also go very low and very slow Which is good for spying giraffe Low and slow There's a moon There is a moon. Where is the moon? Where is the moon? The moon is straight ahead above you and it looks like it's smiling at you Okay, oh, you've got the time for they slept slightly differently to me. Well, you have to Was that she was talking oh, okay, I don't think they were talking to me. I think that was just generally a traffic Okay. Yeah, that moon literally It's like There's old man's Is she talking to you? Uh, I don't well not on my simulation. She isn't so yours might be slightly differently Rini and I are using a third party application, which I'll link to in the description below to do multi crew Um, so Rini is sitting in the same aircraft, but she's not flying it. I am I most definitely not flying Um, but it's kind of fooling her pc into thinking that she's flying the aircraft, but she isn't it's actually me from a different pc Just to go with it. Um, so yeah, it's really really cool application when it works.  It's your controls. It's called isn't it? Yeah, which is a little bit Which is quite confusing when you're saying can you set your controls for one? Yeah, I'm looking at my desk going what? Yeah, he's looking at the controls in her airplane and I'm actually talking about the app Which is the degree of confusion When I think of where I started off, I'm going to get a bit old man now When I think of where I started on simulations, I've missed my pink line, but that's okay It's okay. It's back here. So like a backtrack to that. I need it You know like on the radio they used to do like stories used to play some really cheesy 70s track. Yeah, yeah My tune or whatever it was called. Yeah. Yeah. So you need to do Yeah So when I where I first started on simulations on the on the spectrum the ground was flat and and dark blue And airports were represented by moving dots a number of moving dots that spelled out the rough shape of a of an airfield But it was literally a runway made out of dots And there was a there were three lakes that you could fly to a triangle one a round one and I believe a square one Yeah, and but there were no the terrain had no ups or downs on it whatsoever. It was a flat landscape And I wait until now I'll be honest one plane. Yeah, and now where we are now you're looking at sort of moderately photorealistic Just amazing Okay, I'm gonna say we're comfortably above the mountain So I'm gonna turn back towards my pink line.  You're getting a bit vertiginous. Are you all right? Yes, if you look out the left window now, like straight down at the ground It's a nice room. Yeah, I don't Teacher half o'clock Can you Yeah We're going so what I'm trying to do now is descend without ripping the wings off and I'm not kidding when I say that so I wonder if I could feather the Let's change the pitch on the propeller blades I believe so that we haven't got any from the engine anymore I'm reported. I think they're talking about us. They're talking about us, but they're not talking to us. Okay So, where are they? right, so Hang on a minute. Just maneuvering in a valley now.  Let's see how we get on Am I giraffe hunting now? Well giraffe spotting. You are you are giraffe spotting So they'll be on the right hand side of the plane on the bank Don't worry too much if we don't get I can see giraffe I said I too can see giraffe Oh, they're in the water are they? I feel like we should be playing the crackly part music We have found giraffe. We have a definite giraffe sighting We do look at the giraffe Oh my god, I can't believe we've finally found some wildlife I think I might be locked to the plane so I'm just gonna unlock myself Yeah I have left you for some giraffe You have what now? I have left you for some giraffe. Excellent. Okay Yeah, I feel like we should be playing Hello giraffe I can see them quite clearly Oh, they're very cute That's brilliant. Wow If I was gonna go looking for giraffe in the real world, I would not have looked here No, I would have said, I mean I would have said it was two mountainous I would have thought they were like, you know, different on the planes But you know, I'm not a giraffe expert by any stretch of the imagination Or you know giraffe Skibirth as we call them in the business giraffe skibirth What's a giraffe skibirth on giraffe? Oh, I see That's how it works science. Where do they go? Where are you going giraffe? I'm going over here, aren't I? Where am I going?  Dave knows where he's going Oh look, there you are. I can see the plane in the distance That's me That's you It is Are you coming this way? I don't know where you are Here you are Are you coming towards me? I assumed you were with the giraffe I'm with the giraffe. You're coming back towards the giraffe No, they're behind me at the moment So if you turn around you could do like a Oh yeah, look how I can see you turning Stall, stall Are you stalling? It's close. It's because I'm doing a really tight turn at a very low speed. It's okay Hello Bye bye So cold The giraffe are turning They're going back to the river I'm going back to the river with the giraffe And there you are It's so weird to think you're outside of it. It kind of works, doesn't it? That's really cute That's very cute.  They're heading back to the river Jeff decided he didn't like upcountry very much, so he's gone back It was Jeff, wasn't it? Dave, I believe, I can't remember now I think Dave's following There you are up in the sky 500 Very cool It's fun flying Is it? It's really, really good, yeah Shall I come back in the cockpit now? Whenever it works for you Bye, Jeff Bye, Dave, bye, Jeff There we are, back in the cockpit Hey, back in Hello I've now got to get us out of the somewhat limited speed position that we're in So your next job, when we get close, is going to be to spot the airport for me Okay, I shall try and do that No concept of how spotable it is So it could well be a dirt strip in the middle of nowhere That should be hilariously fun though Oh, we're going to Haddock I reckon we're going to Haddock Has it got a name other than Haddock or? Haddock You just see, all right H-D-H-A-D-C Okay, that does sound familiar Yes, heading straight for it We're heading for Haddock Okay, that's where we're going then Cool Yes Okay No concept of how far it is, but I don't think it's far It's about 15 plane lengths on the map 15 plane lengths Which is probably about, I don't know, 50 giraffes? About 50 giraffes About 50 giraffes I was thinking of this earlier on, but I didn't know whether to localize it not And when you're going to put a video out on the internet, that's definitely the best type to vocalize something that might make you look stupid What's the plural of giraffe? Giraffes Is it though? Or is it giraffe? I saw some giraffe You don't go, I saw some giraffes There are 15 giraffes There are 15 giraffes So the plural is giraffes Is it though? Stop saying is it though Is it though? Is it though? It is 15 giraffes There's a couple of lakes coming up, so it must There's going to be a lake to the left There must be some inherent flatness around the lakes Well, do you know what, I was just going to say that and I thought Lakes don't have to be somewhere flat, that's just ridiculous I don't know where I started They do otherwise, they become a waterfall That's literally how lakes work Yeah, but like, you know, it could be like a big puddle All right, does that know what a lake is? Well, yeah What's the size, do you think? What point does a puddle become a lake? It doesn't have to be flat It's not like an authority, you have to call the sort of company You say, no, I think I've got a puddle, but I'm not sure if it's a lake or not Just think you can come round and check They sort of pull up in a van and a bloke with a notepad It's a sharp intake of breath Now, you've got a lake there, mate, that's a lake What you've got there Ah, now, I've got a fault in your system though Because you bypassed ponds Ponds, oh Oh Say, say ponds You pointed at that one, by many floors They're much smaller than You met Bert, he's all right, but you can't tell the difference between a lake and a puddle Ocean, there you go Ocean Now you're lost, yeah That riverbed is very dry, that's probably quite accurate, isn't it? Yeah, I think it's horrendously accurate This could be cool, but for the moment, obviously Yeah, I think you need to be following the riverbed a little bit more Okay Trust, um, who's the co-pilot here, please? Okay, all right, if you're saying before Okay, so you want me to follow the riverbed a bit? Yep Trust me, I'm a co-pilot, I would not get you lost Okay, so carry on in that direction, please As far as you're concerned, is this kind of heading about right? Yes Okay Just mind that big hillock in front of you I am very mindful of the hillock, yeah Eight planes to go Don't tell me how many We need about eight planes What's that, a giraffe? About 25 And we shall be shortly getting near Haddock You know that's right Yeah, captain speaking Yeah We are cruising an altitude of, let me just check Because I haven't really been paying attention We're cruising an altitude of 10 to 1 10,800 feet, but descending rapidly apparently Runway 35 Right, downwind Runway 35, yeah Yeah Do I acknowledge pattern entry instructions? Yes Flight right traffic runway, 3, 5, sesame in We're about 11 miles, 10, 11 miles Yeah, a little bit off to your left now You can't see it yet, can you? I'm just going for a little look-y It's over there to the left about, where is that? There's like a lot of buildings, there's a lot of buildings Oh yeah, there's buildings down there Hell of a lot of buildings down there There's a very long straight thing over there There is a long straight thing, isn't there? Directly in front of us to the right of the river Oh, it might be, out there to our left Oh, the left of the river Oh, it just went down Right left, very slightly I'm sitting on your lap right now It's slightly off your left, left of your nose Okay, all right And I can see the T-junction Sort of T-junction, yeah, yeah, yeah, got it Okay, can you remember what runway it was? 35 Thank you Clear to land, do you acknowledge? To you landing on the long bit So when you, if you get that instruction come up You need to hit clear to land Otherwise they'll keep barking at you Oh, I might have left you Oh, okay I might be out They might be leading off at your simulation then But they'll be quite happy with mine That's okay Oh, yeah, you're saying not only the last transmission You'll be all right, won't you? Be fine, right? Where are you? Are you landing on the long strip of the runway Or the short strip? Wow, there's only one runway The short bit The short bit that you're looking at is the parking No, but one, are you coming in from the side Of the longer side or the shorter side? I'm trying to find you in the sky Don't know how to I can't understand what you're saying Oh, I see the longer side Okay, I'm coming in for the longer side Wow Understanding your wife actually means 101 Yeah, I see what you mean Okay, a bit off-center, but not too bad And we're down Well, there we go Oh, we landed, well done Good landing I was all right, weren't I? Yeah I wasn't too shabby I'll be quite happy for someone to see that Not every landing I'll do is like that, if I'm being brutally honest Okay No, I went all right, I felt We saw some giraffe We saw some giraffe We saw Jeff and Dave You just find me parking brake Put your handbrake on Here it is Handbrake's on There we go Is there any landing checklist? Oh, that's the map Wrong one I don't think there is I thought there should be Well, I figured there'd be more checklist But there clearly aren't So There we go So we got up in the air, that's good enough We got up in the air, we saw giraffe And we got here We did And that was okay We did okay Can I press some buttons? Uh, I'd rather you didn't If that's all right Because I'll get upset That was good stuff All right then, thanks very much We'll see you next time Bye bye Bye


Personal Finance PowerPoint Presentation Vision Care Insurance Prepare to get financially fit by practicing personal finance. Insurance is part of our long-term risk mitigation strategy where we follow the adage of measure twice, cut once, putting a formal plan in place, looking something like set the insurance goals, develop a plan to reach your goals, put the plan in action, review the results, and repeat the process periodically. Most of this information can be found at Investopedia Vision Care Insurance, which you can find online. Take a look at the references, resources, continue your research from there. This is by Julia Kagan, updated October 5th, 2021. In prior presentations, we've been thinking about insurance in general. Then we move to the medical insurance, which can be a little bit more confusing for a couple of reasons we'll touch on shortly. And then we move to the dental insurance and now to the vision insurance, which have some characteristics that are more similar to the medical insurance. So just a quick recap. When you look at classical kind of insurance, like liability insurance, like the property insurance and the life insurance, you're typically safeguarding against any event, which you're hoping doesn't happen in the future, has a low probability possibly of happening. But if it did happen, it would be financially devastating, such as the house burning down, getting sued for millions of dollars, or dying prematurely. So you want to then safeguard and have the insurance against that event happening just due to the magnitude of the financial impact it would have if it were to happen, hoping that it doesn't. But with the medical insurance, you have a similar kind of thing because you could have a big medical bill, a big medical problem that would cost you a lot of money. But you also have this expansion that it's going to cover kind of the more routine type of things. When we move to the dental insurance and now the vision insurance, you've got some overlap with what would be covered, say, in medical insurance under certain conditions that might be related to your eye or your teeth or your mouth or something like that and what's covered by the vision care and the dental care. And you've got a little bit of a shift away from the classical insurance, which you're basically trying to safeguard against a big event that you're hoping doesn't happen. But if it did happen, it would be financially devastating to something that might be helping you pay for the standard visits that you're going to be putting in place and possibly using some combination of medical insurance, vision or dental if we're talking about dental too and your own kind of self-insurance savings to cover potential needs and lower or mitigate the risk. Okay, keep in that in mind, what is vision care insurance? Vision care insurance will often cover routine eye health expenses such as eye exam, contact lens fittings, contact lenses and eyeglass lenses and frames. Some plans may even provide a discount on LASIK procedures and other corrective surgeries. So a vision care plan may cover the cost of these items in total up to a preset limit or it may require the policy or a holder to pay a flat fee or percentage fee to share the expense with the insurer. Understanding vision care insurance. Vision care insurance tends to be inexpensive compared to other types of insurance because many of the covered costs are predictable and expensive claims are rare. So in other words, notice when you're looking at the kind of normal wear and tear on your eyes similar to the wear and tear on your teeth if it's just over age in other words if you didn't get like in a car accident and had some kind of you got reconstructive something that needs to happen with your eye or something like that which might fall under the medical area. If you're just talking about the wear and tear on eyes as they as you get older it's a little bit easier for us to be able to predict those things as opposed to on the medical side of things where something can come out of nowhere and you're visiting specialists for reasons that you don't exactly know what is going on. So the fact that it's more predictable means that you might have less of that outside risk kind of thing like your house burning down and having this huge huge cost for example that comes out of nowhere because hopefully those big things that might happen from the medical side would be covered say with the medical insurance if you got in some kind of accident or something like that. So that's what the vision care is covering most likely more of those kind of things that you can predict more often as you grow older with vision. So it resembles a discount plan more closely than an actual insurance plan because insurance protects against unforeseen and potentially catastrophic expenses. So again notice the shift that is happening here you're kind of thinking about the vision insurance not really to ensure against that big catastrophic event but more to see if it's going to help to pay for the more routine maintenance kind of stuff that is predictable and you're going to have to do at some point most likely so it's essential you fully understand each plan's costs and the benefits they come with vision care insurance. Take a look at the price for one year of vision insurance compared with the cost of an eye exam. Although vision care insurance is inexpensive it may not be a good deal for the consumer if the premiums and co-payments under the plan are higher than paying for vision care expenses out of pocket. So if you're shifting the goal from okay I'm guarding against a long term a big event that might happen to lower the risk to unbind vision insurance mainly to pay for the more routine maintenance kind of stuff then you got to think about well how exactly is that going to work am I going to save on that routine maintenance stuff can I self insure against the bigger kind of costs that might happen related to my vision. So special considerations eye diseases which are unpredictable and expensive to treat will generally be covered by health insurance not vision care insurance so notice this overlap between the vision care and the health so it could be a little bit confusing because you might say well yeah I could have an accident to my eye or I could have a big a big disease or something that is related to my eyes but then the question is well is that covered under the vision care or is it covered under the medical. So if it's under the medical that would make more sense from a traditional standpoint because the medical is going to have that out of pocket limit that kind of gives you that cap that the insurance will kick in over that over that time frame so the vision might be more for like the routine kind of maintenance stuff. So vision care coverage through many employers sponsored health plans generally works a little differently than other health insurance and major medical insurance plans because eye exams can detect hidden medical problems even those with perfect vision should get one from time to time as someone ages they'll need more frequent vision exams according to Mayo Clinic. So people with poor vision a family history of eye disease or a condition that increases the risk of eye disease like diabetes should have more frequent exams if routine exams are all that will be needed then the cost of insurance probably isn't worth it so in other words if you're buying insurance just for the kind of preventative exam type of stuff and that's all that's going to be covered for it you're probably paying more for insurance than the exams but so then the question would be well what if there's other costs that might come up if I have more visits would I save money on that and should you be purchasing vision insurance at least for some kind of preventative stuff in case you have more you have more problems in a particular year to use it more like a normal kind of insurance instead of like a discount type of thing that you would be purchasing so availability of vision care insurance vision care insurance can often be obtained through your employer association union or government programs like Medicare or Medicaid most vision insurance providers also offer policies that you can purchase individually vision insurance is often a value added benefit linked to indemnity health insurance health maintenance organizations those are the HMO's and the preferred provider organizations those are the PPO's contracted with managed vision care networks to provide eye care services advantages and disadvantages of vision insurance there are benefits and limitations to vision insurance and whether you should get it or not may depend on how badly you need it if you have a history of eye related medical needs it may be worth the extra money to purchase vision insurance if you only go to the eye doctor once a year for routine checkups it might not be necessary for you to buy an expensive eye care insurance plan overall vision care insurance isn't expensive and it may save you money over time especially if you have reoccurring eye care troubles or regularly purchase corrective lenses so if you're obviously if you're doing more stuff in terms of the eye care glasses lenses contact lenses it might be more worth it in that case if you end up needing eye surgery it can help with the cost as well so the eye surgery got that corrective surgery which more and more is becoming not something that's going to be cosmetic I guess or more it'll be more routine even though you might be able to correct with some of it with glasses and stuff like that which is nice if it would cover that surgery as well so cons of vision insurance are that it may not necessarily cover the type of service you need or will not allow you to travel out of its network for treatment in addition if there is a specific brand of lenses you like using or specialized lenses or frames it may offer a limited line of brands so if you're using the insurance to buy your super cool glasses and you like your ray bands lenses or something like that then it might not cover because it might be limited and you've got the same kind of network item involved as well so pros those can often be easily added into insurance plans so you can also buy a plan individually premiums are not expensive the plan the plans all set the cost of corrective lenses which is nice on the cons side of things you may not be able to use out of network services you got that same network thing that we saw with other medical and dental issues so once you set up the insurance you typically have to go to someone within the network to get the most benefit out of the insurance if you don't need regular eye care it may not be worth the money some vision care insurance limits what you can purchase in terms of eye wear what's the bottom line vision care insurance may be helpful to cover routine eye care such as exams fitting and help pay for corrective lenses some plans offer more benefits than others but if you don't have a reason to see an eye doctor more than a regular checkup it might not be a plan even if it is affordable how much does vision insurance cost it depends on your plan but you may pay as little as $5 a month for basic plan from your employer or buying a plan directly from a provider for example the SP vision insurance offers a $13 a month premium is vision insurance separate from health insurance vision insurance is usually sold as an add on to health insurance from your employer or you can purchase it separately what insurance does Walmart vision center take you might ask Walmart's vision center takes its own Walmart vision plan and it is an out of network provider for many vision plans including coal managed vision I med and Davis vision in order to find out if Walmart vision center takes your insurance you must visit its website because it varies by state and location who takes Davis vision insurance David Davis vision insurance offers a wide range of both in network and out of network providers including Walmart vision works Costco for eyes and Sam's club so who takes the SP vision insurance the the SP website claims to have thousands of in network optometrists and ophthalmologists located all over the United States including vision care centers in Costco stores what vision insurance does Costco take Costco website states it quote now accepts most vision insurance plans in quote for its vision care services


I can't get it out of my head. The jaws. The brilliant whiteness. I know the police said that everything collapsed because of all the snow on the roof, but I was there. I saw it, and it damn well wasn't just snow. It was what the snow had become, coming down, sweeping in, hour after hour. And what the weather lady had said was the blizzard of the century. Of course, it happened the day of my 12 hour shift. And we can't close the pharmacy now, can we? My boss had said, no doubt from the warmth of his living room while I stood outside, sweating after already having cleared the driveway, watching it turn white again while we talked. Think of all the people who need necessities, water, diapers, potato chips. He encouraged me, we need to stay open for them. We're like a hospital. One definite strike against me. I live nearby. I didn't say anything. Maybe we can let you end a little early. He suggested to fill the ensuing silence. How's half an hour sound? Spending 11 and a half hours alone at work on the day of the blizzard of the century did not sound good. Fine, I said, realizing strike two, I was a pushover. Fantastic, he replied.  Shit, then I dropped my phone in the snow. After clearing a path to the street, I got into my dad's truck and checked my phone. Some moisture had gotten in behind the camera lens, but the phone itself still worked.  I arrived slowly, but without incident. The pharmacy where I worked, Quintz Rx, was one of about 50 stores enclosing a big square parking lot, which together with the stores made up our local Amityville Mall. It was nothing special, and no less so today, except for its eerie and vast emptiness, not that I had expected anything else. Only mad men and retail workers could be expected to brave today's roads to get to the damn mall. I parked, shielded my face with my arm, and crossed from the truck to the pharmacy's entrance, where I fiddled using freezing fingers with a lock and key until I heard the satisfying click and I was in. At least the interior was cozy, and after I'd shut the door behind me, quiet. Even being outside for a minute in the openness of the parking lot, where the wind had space to rush and howl, had filled me with a certain unease, a desire for shelter, and an imagined fear of being homeless, of being alone, forced to brave the violent outdoors without the help of civilization. Although I didn't expect many customers, I went through my usual opening routine before taking a seat near the wall of windows facing the parking lot. Usually, I could easily make out the grocery store directly across from Quintz RX and sometimes even the water tower and the far distance behind it. But this morning, the space between the two sides of the mall's square appeared white and infinite, like an endless sea. Even the blowing snow seemed unnaturally still as if it had stopped, each snowflake frozen in place by the snapping of the thread of time. And if not for the sensation of my own rising and falling breath and the muted howl of the wind, I could have been fooled into believing the snowfall had changed into a milky coastal fog. Every once in a while, a car drove past, shattering the hypnotic monotony, flickering in and out of existence in the blizzard. But no people appeared. And for a moment, I lost myself in a world without people, thinking, what am I going to do with my life? What purpose does? That's when I first saw it. The wind must have shifted and in its shifting had momentarily cleared away a view of the sky. A faint blue distinct from the pure white of snow and into this view, white monstrous and against it, did the beast rise, formed as if from the snow itself, emerging from the parking lot and leaping into the air. A shark, a shark made of winter, with eyes the color of hideous sunset and teeth of the most crystalline ice, it hung above. As fear gripped my heart, fear of its unnaturalness and its realness, for even as my mind flipped through rational explanation after rational explanation, hallucination, mirage, boredom, and imagination, I knew this was no phantom, no conjuration of my mind, but objective truth, a monster of unlimited appetite, which longed to feast on love and warmth and summer. And when it crashed back down to the parking lot, the wind screamed, and all the windows and the pharmacy shattered. First spider webbing with cracks, then bursting, a shower of glass and ice, and winter, the full force of winter. I ran for the safety of the nearest wall, but winter followed. I fumbled for my phone, I had to call someone to report the damage to no signal. And through the vacant windows I saw the beast again, this time closer, and angled towards me, its glacial dorsal fin cutting diagonally across the parking lot, the churning of the blizzard, and I fumbled once more for my phone, now to capture the madness unfolding before me, the menace of the approaching shark, whose body, though still hidden beneath the surface of the parking lot, would in seconds emerge, must emerge, as head and maw and teeth, I stood my ground, tightly holding my phone, recording, despite my fraying nerves, despite the snow lashing my face, with arms unsure but mind made up, on cold legs stable enough that as the beast finally lifted its head, opening its massive jaws and rose, I waited until the last moment before diving away, turning onto my back, I saw it soar above quince rx, larger than any creature I had ever seen, before in most glorious descent, it smashed the pharmacy, and I was crawling, stumbling forward through where the entrance had once been, as around me the blizzard raged, thick as honey, and dense as hand knit wool, scratching at my throat, my eyes and my soul, but I couldn't stop, I knew I couldn't stop, for the beast was surely behind me, to say I walked through the unrelenting blizzard would be wrong, I pushed through it, a liquid world of icy pinpricks, a hideous featureless snow globe, which a malevolent god had shaken and set down, trapping me inside, me, and it, it was following, I didn't even have to look back to know, and as soon as it had feasted sufficiently on the pharmacy, it would come for my own flesh, but it did not, instead I heard somewhere far off the creaking of steel and collapsing of brick, and when I glanced to my right, I spied with squinting eyes the destruction of another store, then another, and another in rapid secession, I caught only glimpses of its powerful jaws, opening, consuming the entire mall, store by store, leaving nothing standing as it prowled along the parking lot coast, intent on devouring every last trace of commerce, returning its natural hunting grounds to a state of primordial cleanliness, all that would be left were bones, weakly flyers, and unwound screws, plastic shards, and worthless money, and broken metals for will never be again employees of a month, I stopped, dropped my arms, and looked, I was still holding my phone, but there was nothing more to film, all around me was whiteness, complete and unadulterated, a world of cosmic dust that smelled of laundry detergent and tasted of chemical purity, directionless, aimless, where in the mall parking lot am I? On what world am I? There was only I and it, and once it had circumnavigated our planet, it returned like a horrible angel lunging at me. It ate me. I swear to you, it ate me. What's that? I heard a man's voice say. I think I heard something. I was immobilized, cold, buried in the aftermath of. There, the voice said, and suddenly the sky appeared. Then arms were thrust beside my body. A policeman's face. I was pulled toward it, coughing. My arms were freed, so I rubbed my fingers into my eyes. The blur became sharpness. There you are, son. You okay? I tried to speak, but I couldn't. I was in the mall parking lot. The sky was blue and the sun was out, but there was too much snow everywhere. I was near the grocery store, but there was no grocery store. Only ruins. Garbage, cracked containers of cleaning products, broken bottles of mouthwash, an empty yellow cardboard box of sunshine. You're lucky we found you. The policeman said, oh, what about the shark? Fear still echoed in my frozen chest. Though what now? I pointed at the destruction on all sides of us. The entire mall had been flattened, not one store stood. That's what you call the consequence of an accumulation of too much snow on the roof. The policeman said, buildings ain't built to withstand that much pressure, not here. And no surprise, given we haven't been dumped on like this since forever. It was in snow on the roof. I said it was a monster of a storm indeed. And once the first went, well, so went the others like dominoes. He smiled. I'm sure that's what you'll tell us at the station. It was what I told them. There, they said, one side signed the statement, that'll be plenty good for the insurance purposes, so we can get the mall rebuilt. The officer said, but that's not what I believe. Or what I saw happen. Maybe our mall collapse will even make the news somewhere, small town mall destroyed by Blizzard of the century. But if it does, and you come across it, you certainly won't be any closer to the truth than if you'd never come across it at all. I was there. And the monster was there. And anything less. Well, it's just a fairy tale. As for my phone, I still have it. But all the videos I took are too blurry to make out. Nonetheless, sometimes I watch them. And when I do, my blood runs cold.


Tryna go natural Hi everyone, welcome back to my channel. I'm happy to be back Yeah, this is a new one. I don't do this often. I guess I'm outside of the shower I'm gonna deep condition here just because today I want to do a break-off for you guys And I don't want to move locations because I'm too lazy. I don't want to be wet moving equipment So anyway, so I'm gonna deep condition outside. I shampooed my hair today I'm bringing to you the new collection as promised from the jury So yeah, I'm on cooking on collection. I did get everything which I will show you guys but for now for today I'm gonna be using the deep conditioner to leave it on the souffle So this is my hair freshly shampooed and I'm going to add the deep conditioner So I do prefer to deep condition in the shower just because my hair is kind of wiry and doesn't absorb water and soaking wet It's better like there's soaking wet and there's dry for my hair Basically, I don't have like a in-between as you can probably see just water on top of the strand But anyway, we're gonna try to make this work So I totally shampooed my hair a million times like twice, but real twice for like ten minutes each So let's see what this deep conditioner can really do using the almond coconut moisture mask Right away, I love the color and texture. It's kind of like a pinkish, you know, I like my little give me a kind of pastelish color Smells like a nice lotion Nice good consistency as well, so I'm looking forward to getting it on I Can feel it kind of melting into my hair, which I like Always a worry after your shampoo How soon it's gonna get to feeling conditioned and that shampoo especially if you kind of clarify But this is like immediately working for me. So yeah So see if I may be use less deep conditioner with this. I don't know Maybe I'm getting ahead of myself, but Kind of the whole semi-dry thing and I'm gonna use less deep conditioner or more Either way, my hair is looking good and feeling good I'm liking the slip my hair is dried and normal so probably gonna be wet as needed, but the slip But the slip is nice for sure So this is it definitely looking good feeling good has a slightly more buttery feeling I'm used to and it does have sheer butter, but it also kind of trades really well So I guess if you like butters if you don't like butters this could be the best of both worlds in terms of Deep conditioner with butters that penetrate and the shea butter is low down as well in the ingredients so Light buttery feel but still penetrating before it's set and feeling moisturizing already So I'm gonna let it sit. This is how much I use which I guess is like half Half is still in the about regular age for me. So letting it sit I'll come back and show you the result and then back after letting it sit as you can see the magic has a good Deponitioning for me is everything like without definition. I don't know what my hair would do because this is what brings my hair to life as you As you can see it's fluffy. It's moisturized light It's soft Slip is there come through slip so very happy with my hair right now and Now we get to the struggle bit Me trying to do a great out so flat brick because I just you know I want my life to be relatively easy So I'm just gonna do like single grades and just you know It's not be perfect me to show you how the product worked because my hair despite my Struggles my hair really does well with braid out so first out so You'll see the definition and stuff even if it's even if no matter what I do basically so I'm gonna rinse and get to braiding See an event. I see it a bit Okay, so this is where we get into them super awkward face, but okay So I just rinse to the conditioner of course my hair still feeling soft moisturized. Yeah, yummy And now I'm gonna apply the leave in just I'm gonna leave in conditioner. I Guess all the essentials in eating the name I guess Okay, so first of all, it's But still runny still flowing But definitely thick and creamy But not too thick like not like I don't like thick leave in stick Just a thicker lotiony leave in Yes, yes Slip is good. It does feel moisturized. I can I think still feel the butter but again I think the butter is a low down in the ingredients list So overall, I'm expecting good things so I'm going to Section for my first braid. Yes, we doing this and I'm gonna apply the soufflé there Should I just apply it here and then? Your braids tell me your braids and twisters tell me what I should do I think I'm just gonna apply the soufflé here and then I'll probably just put a little bit more as needed in the individual ones Because this is already a pretty small section for me I do remember some twisters laughing at me and saying my twist thing forever to do because I Put in a styling product in like the little bitty sections like the twist section So I'm gonna do it in this big section So we have the almond coconut twisting soufflé So I'm kind of excited to be using a twisting soufflé because I don't know often usually I twist with just a Butter pretty much something with no hole because I don't really like to use gel when I'm twisting and braiding So something that is a creamish thingy, but has a little bit of hold is kind of a nice Win-win. So let's see what we get here This is the consistency my finger in it already I like it. It's kind of like a light kind of almost marshmallow-y type consistency That's a very light sweet scent. I can't even tell you what but light sweet scent I can feel a little bit of whole product and I can feel the creaminess and Let's go. Thank you definitely don't want to be too heavy-handed with this I can feel it doing things already good things, but like you don't need a lot Probably gonna comb it to distribute This is a pretty wide tooth comb as you can see so it's like a loose distribution But it's enough to just be sure I have it everywhere because my hair is thick and you know, thick hair All right, so now without further ado, I'm gonna get into the braiding part One day, one day I'll come on here and just show you all the balm braided with no struggle So Ujjoubi was kind enough to send me this Collection after I requested it for you guys. I'll be able to show you then new stuff since I had bought the old lime And I did get a gel also, but I figure while I'm quarantining I might as well be adventurous and do a braid out I cannot we show you guys a wash and go anytime So that's what we do in here So I'm gonna do I guess the first still feels like hardly in here, but I always feels that way It is still on the tiny side this braid I wonder if I could do a braid twain or whatever So you're not feeling too struggle to lose this out. It might be a good day to try a twain Ujjoubi twitting I just did one five minutes later on hand style and everything I Tweet is looking good. I guess I'll just twist this end So I still haven't been to the hairdresser mostly. I want to just shorten the back so that it's more even for twist outs and braid outs But you'll just go with what we got here for today One tweed and a problem. Give me a moment All right one Section one okay, so come on.  I don't know, but anyway We do it. Okay. I'm back. I think I'll out one a half later But yeah, it looks super cute if I must say so myself I know to most people it's like what is this but this is probably the best braiding twitting I've ever done I'm happy with it Look shiny moisturized and And I'm looking forward to my results I'm gonna do an experimental tune So I do want to like just go to a stylist and get the back cut because the back shrinks more So it's even for a wash and go but I want to do more braids and stuff So I want to just cut it I could just like snap it off now, but Trying to not do that and kind of get it professionally cut But until then I'm just gonna probably ban to not the bottom Didn't mean to exactly do it now, but I guess no time like the present So definitely with the leave-in a little bit went a long way or fairway because I'm not even halfway through And of course with the butters and everything it was softening, but it was still penetrating and moisturizing my head Definitely feels good and definitely a little goes along with the souffle as you can see Which I guess is to be expected if you're using an over leave in But I'm still pleased because of course like You know with the gel I would probably use more in a wash and go So maybe twist safe product too I guess but Definitely a little went along with this at least for me because it just looks kind of almost barely touched But it did give me moisture and hold so I'm looking forward to my result Of course, I am going to work out on this at least twice probably Before I show you the results. So it's going to be worked out on but Other than that Yeah, you should still be able to see something something So yeah, wish me luck take down coming up next So I'm back next day. I did work out. Um, but it held up really well. It looks I mean for me super neatly Disclaimer disclaimer even the parts that kind of I really didn't twist get it all and it's separated. It's still It's defined. Like how does that even happen? Like, you know, I totally didn't twist it tight, but it's still Defined so it's like almost impossible to fail with these So anyway, I'm nervous, but I'm gonna go ahead and take them down The pantalots in the bathroom most likely wet and I probably will leave them in We'll see how that goes Let's see how this goes. I have my little oil mix I'm just gonna wind my hands and get to it Should I stand in the people standing in the front of the back please and I'm gonna start in the back I don't know why be a rebel without a cause Don't know. I don't like to separate soon. Most likely I wouldn't be separating I know I should try one these days, but let me just get the actual installing and taking down part together And then I'll get to separating. Okay Disclaimer So I like I mean from me I always do that do it really big in the back like you know if it's in the back It don't count. I can't see So the back is easiest to take down right now So far, it's feeling really defined like I like I said, I don't usually use any kind of whole products So even a twisting souffle is more whole than I usually use when I'm Braining or twisting so I'm just like For my hair It's probably best to leave it to this just for it to dry Unless I go under the dryer and I haven't really tried like doing that Like I like the fact that I can usually air dry my twists and stuff. It just picks like two days for my hair to dry Ultra low porosity So then I get the chance to avoid it. I do I'm probably gonna have to separate this like if I wanted to go anywhere. It's just so Defined like so much hold I guess. I mean, it's still soft Definitely soft, but it's like Defined Like a medium hole, I guess I'm crunchy, but Everything is holding together. I love how easy these tweeds are to take down because you know, it's just easy to get the bottom out Like I did. I'm kind of being in a sense like it's not hard to take down at all Maybe it's the whole tweed thing, but I'm loving how easy it is to take down I will say you get a little more shrinkage than if you just did a braid So if you get a little shrinkage from your twist outs the tweed will have more shrinkage, but More shrinkage and we're easier to take down. I think I would go with the shrinkage Do y'all see how I'm just taking this out any old howl because it's like Frizz what frizz? I'm just like ripping it apart and it's like holding up. So I'm like not even worried about it, which is like awesome I have to admit this is my least careful take down. You wouldn't even be able to tell from the Result I did a pretty good job. I have to say I mean for me with these um tweeds But the control that you get from using like a twisting souffle that gives you a bit of clumping and hole and stuff Does make it easier to braid and twist and if you're using something with no that doesn't give any Definition I will say that So I learned that much from this Experiment I'm like I twisted it in such a mess, but it's still gonna come out good. Are you guys seeing that? Just like ripping apart My platting was kind of what not to do in terms of Feeding from each side and all that drama Yeah, if I was going on I probably would have to Fluff it because it's just so I pretty much don't have that much volume. It's so defined Which is kind of wow for me. I don't usually have to worry about volume But I'm actually a little concerned about volume right now. There's a very forgiving Beginner friendly souffle I should have looked up some fluff in videos because I probably will need to fluff a little bit. Okay This is it the braiding skills not required definitely moisturize shiny great definition great hold So it's kind of like a perfect thing Twisting to play and I'm giving credit to the twisting souffle But of course the DC was great and the leave-in was great and both helped towards this success, you know the last person should Last person across the finish line always gets the credit but What do you guys think? And now I guess yes But I don't want me to transform it into something magical and I totally lack the skills for that I mean you're seeing it, right? So Everything after this is my fault and not the product's fault Um, but let me let me try and do a little little bit of separating which I don't I'm not gonna at all Oh I'm able to twirl the first bit I separate but the second bit is just kind of You know, like when you pull you twirl, let's use both hands. Okay learning as I go Twirling skills are coming in hardly here You guys think improve. Oh my god, okay First attempt to fluff. This is my own fluff part one and two I guess it's not smooth Okay, let me know I'm just gonna do the other side because Definitely frizzed a lot trying to fluff it. I'm glad I showed you the before but I'm glad I went for it, you know And I like it. I mean, I it's not the best separation And like I said, I really want to cut to kind of even up the back and all But I do like it What do you guys think? I like it Maybe I would like a more more braid and less twig just to get with a more even thing Because I find like I like the top more than the bottom and I like braid outs usually So I don't know but overall I like it. I can and definitely I love the product So let me know what you guys think And let me just get into showing you more about the products I love for the deep conditioner the Moisture mask It's so pretty simple, but it does have everything you need for moisture Coconut milk I my hair likes Aloe vera or it's good as a conditioning agent for me And then the glycerin just gives you that extra moisture I shampooed it like twice just trying to get my hair clean and then this bought me right back like Yes, like no struggle at all great slip moisture everything after so definitely recommend this moisture mask I bought this thinking it might be kind of like a she sent it do but it's not really I would almost say It's kind of closer to Eden if it was like good like a good version of Eden like moisturizing but similar Kind of textures and feels to Eden and then the ingredients are kind of similar to Eden body works as well So I'd probably send it more in that direction actually, but definitely a winner So then we have the leave in I didn't get to really rate this for a definition because I didn't do a wash and go but for moisture softness and so on Definitely yes, so I'm gonna try it again with the wash and go because I'm gonna do a wash and go and then I'll get back to you Further on the leave in but so fast for good. My hair is definitely moisturized. So even in on that I must keep it simple glycerin coconut milk and aloe vera and of course, it's not really good too So definitely I wouldn't put just a deep conditioner the leave in I mean, I definitely love but Since I'm a wash and go girl I really have to do the wash and go and then give you a final on it But the souffle I think was amazing just in terms of that moisture definition on hold Even despite my chaos with the separating I can still see whole so Yeah, and let me show you the ingredients for the souffle coconut milk in this one But it definitely has aloe vera and glycerin and the hydroxylethyl cellulose for hold Which was sparing up down and just on top of enough moisture and stuff But it didn't bother me. So I didn't feel like I had to wet my hair or anything funky at all So definitely like this. This could even maybe do a wash and go Twist and braid fracture definition, but definitely the definition is there as well as the moisture. So This I think was my favorite product just because maybe I'm not used to using souffle So I'm not totally blown away or because it was really good But this is the one I would be reaching for be purchasing. I want to try this a wash and go I want to try all how This I do have the styling jelly as well to try So I'll be doing a wash and go with this soon looking forward to that And I have this butter moisture butter as well Which I'll probably try like under if I'm using some crunchy gel or something So this one doesn't have any whole ingredients. It just has the like aloe vera coconut milk, etc But no whole ingredients. So this video and you learn more about these usury products Um, let me know if you've tried it or if you're interested in trying it down below I'm just trying my core to see if it still works. I don't know if it still works or not But hopefully it does and if not just get out more way for the next sale up to you But in terms of the deal with the definitely


Going on everyone Sam here with late in sports cards. We're in one box of 22 23 pretty contenders optic basketball hobby for Sammy it's a good luck here Sam. Let's see it. Come on pal. Oh Look chat. Oh, oh Oh Chat would work to roll in a magic song. We hit a pal Please Please let's hit a palo All right, we've got Chet Holmgren lottery ticket nice one there and a gold Anthony Davis numbers game seven of ten Nice one there Sam. Nice one there. Congrats, Sam God face Jason Tatum Anthony Davis hollow or silver and Red Walker Kessler Nice one there on the rookie and then auto for the spurs to 99 Devin Vasell perennial contenders. He is a stud 38 of 99 Devin Vasell Nice one there that will do if we break their Sam. Thanks again for the support as always buddy get him right out to


I actually saw you on YouTube talking with, forgot who it was, was it Tommy Lee? No. Bobby Lee. Bobby. So what brings you to this conference, if not just to play our video game? Honestly, to learn of blockchain, I just know Bitcoin and Ethereum. Yes, that's the only thing I know about it, is it was anonymous and then I was like, oh, now people are using it to make money, that's kind of interesting. So you really think blockchain is going to take over everything in a few years? Isn't it already? Is it? I feel like it is. Yeah. So as soon as we get past the flood stage and the real companies with the real utility will rise to the top, then we're going to see another flourishing of blockchain. Once it gets to that level, I can see it being perfect. So do you yourself like own any Bitcoin or Ethereum? Not yet. Yes, I actually got it before it was a trendy thing. Do you plan on it? I'm still waiting for my first salary to invest it all. Well, to be honest, I've heard of steroids a long time ago. So do you own any Bitcoin, any cryptocurrency yourself? Definitely. Of course. Well, at the moment, maybe one Ethereum is more affordable for me than one Bitcoin. And I was just like, oh, there's more to it than that. And now I'm like completely amazed. I'm like, whoa, oh, it's a coin. It's a coin. It's a coin. And I mean, I'm pretty sure I could make a coin if I wanted to. Nice talking with you. Hey, thank you. Well, I love Cointelegraph. I love this company. I love this company. This company I think is the best thing ever happened to America. Cointelegraph is the best. Thanks for the shout-out. Of course. I'm so happy. I'm so blessed. Do you own any Bitcoin? What do you think about blockchain? Is it really the future of technology? Do you think that Bitcoin is the future? Okay. Cointelegraph, like, subscribe, and hodl.