Some of the investors they make the mistake that they want to buy properties that they would live in and they don't buy properties where their tenants would live in. So that's totally different because a property might not suit your personal taste as a owner or as a person who's going to live in it, but it's perfectly fine for other tenants. Exactly. It's perfectly fine for other tenants. Good evening and welcome back to The First Time Homebuyer Show. I'm your host, Esti Klassen. In the spirit of August, we celebrate empowered women this entire month on The First Time Homebuyer Show. Be sure to check in with us every Wednesday night at 8 p.m. live on Facebook, Instagram and YouTube. And of course we bring you amazing content on all our platforms. We've got Zaman Tungwakumalo with the private property podcast at 7 p.m. every weekday from Monday to Friday. Of course we're all celebrating women and Zaman too is speaking to spectacular women throughout the month of August and then we have Chad still touring gorgeous properties around Joe Hannesburg. He's on every Monday and Friday at 8 p.m. And also Mbali, an empowered woman herself in the farming industry. She's chatting to amazing guests every Tuesday and Thursday evening at 8 p.m. If you're ready to buy land, invest in farming, cattle, whatever the case may be, that is definitely a show you do not want to miss. This evening I am chatting to an absolutely amazing, empowered woman who's got multiple awards top of her class for her MBA, traveled the world and is now investing in property like crazy in South Africa. Silindile Leseyane, how are you this evening? I'm well, thank you, how are you doing? I can't complain, thank you so much. I looked at your bio firstly. It is a long LinkedIn bio. I don't know how you did that, how you got started. Absolutely amazing. I mean you've gotten an award for the winning property investor in 2019. Yes, I won the most innovative category for the top of the year in 2019. And then also top in the class for MBA. When you were doing your MBA, I mean business analysts, like the list is endless. So I don't even want to talk anymore.  You've been featured on podcasts, radios, magazines, every the list. This is how we start women's money. Thank you. Okay, Esti. So my story begins as a girl from a very small town called Peter Diffenbo Malanga. That's where I spent my formative years. And I came to Johannesburg in 2001 to come and study at university, where I did my becoming accounting and economics. So that was my first time leaving a small town and coming to a city really. And then after finishing my degree, I went into management consulting. And that's where I started working primarily in the financial services industry, as well as utilities. So it's like your government institutions, like municipalities, etc. And then as well, so I worked here in South Africa and then briefly in the UK as well. So yeah, so then after working for a couple of years, I then decided that I was actually going to further my studies. And this one actually enrolled at the Vitz Business School to further my studies doing a postgraduate diploma in management, as well as my MBA, which I did here at Vitz University, as well as at Indiana University. So I did an exchange program doing my MBA overseas. So I've got a dual MBA from Vitz and Indiana University. So that's my academic stuff. But so yeah, so my property journey really started with when I really at home as well. I'd say that's where it really started because my mom had what we call at my room, you know, like we had the main house at home. And then we had tenants at the back of the house. So that's when I got introduced to the concept of actually building a house and then putting tenants in and then actually getting income from it. So that was really my first foray, I would say, into property getting, understanding it from the way that my mother was running it. But from my own perspective, I would say, it started when I bought my very first property in Madrid. Because when I started working, I rented for a year. And after a year, I did the math and I thought to myself, it doesn't make sense to spend so much money paying somebody else's bond. Let me rather get my own bond and get my own property. So that is why then after just a year of renting, I decided to actually buy my first property, which was for living. And it was a nice unit, two-bedroom, which I still have till today. This was when I was 23 years old, right? Oh wow. So I bought this two-bedroom, two-bedroom, two-bathroom unit, very nice. And I don't think I had actually affected in all the cost of property ownership at the time because soon thereafter, the interest rates were climbing up almost every quarter. And I found myself struggling to keep up with the payments. And I remember I was working in financial services and one of the no-knows is being blacklisted because you can't be working with other people's money and you can't manage your own. So I had to make sure that I sort that out quickly. And so I decided, you know what, I've got the space that I don't use, which is the other bedroom, which I was using when I've got visitors or whatever, which was once in a while. So I figured, you know what, I could make a plan when I've got a visitor, but this unused space I'm actually paying and not using. And so that's when I actually decided I was going to get a tenant who was going to share the space with me. This was my way before your APNB days. This was just me deciding to say I've got space that I'm not using. Let's just split the rental and also all the other expenses that come with it. And I think that was really the best decision I could have taken because it not only helped from the sense of being able to relieve my cash flow and all of that, but it also introduced me to the concept of running my own property business because I had to learn how to advertise. And I actually advertised on private property fund enough. I advertised and I mentioned what my criteria was. I was looking for a single female, a professional lady, non-smoking, blah, blah. So I mentioned all the criteria that I was looking for. And then I had applicants and then I had to screen them, get the application. So that was really my introduction into property investing. So a lot of people say that they can't invest in property or it's too expensive. And one of those ways where you're actually using the space that you've already got and you get somebody else to rent with you is one of the ways that you can actually get started. So that is how I got started personally. And then soon thereafter, that's when I actually said, okay, I like property. I like the fact that your property grows in value.  So let us actually get a rental property outright. So that's when I actually then started investing in property. So you got someone to pay your bond? Yes. If you can't beat the system, be the system. I always say this, you know, work with the system. I want to go back a little bit.  She started way back then. If you look back now, what are some of the lessons you learned from your mom when it came to property? It was okay. One was getting the right tenants because getting the right tenants, because we had to live with the tenants on our premises.  So she always made sure that she got the right people. And so when my mom passed away and then I had to take over these tenants, I don't think I got that right, you know, because some of the tenants, because I was now staying here in Jobeck and they were in Petrative, they didn't really take care of the property as well as when my mother was still there. She was actively managing it. She was on site. If anything breaks, she attends to it immediately. If there's anything with the tenants, she addresses it. So now I was managing it remotely.  So those are just some of the things around, you know, tenants selection is very important. Managing your property is very important so that it maintains its value. How long have you been in the property industry? Because you bought your first property at the age of 23. Wow, that's amazing. But now if I tell you I'm revealing my age, I shouldn't have repeated that. But yeah, I got my first property in 2007. And so yeah, you can do the math. Okay. I want to, you know, when I first reached out to you to join us on the show, I spoke about young women in South Africa, how we can get into the property market without breaking our back, without being blacklisted in the next five, six months, whatever the case may be. How do we do that confidently? And you know, when I was actually watching an interview today and someone said in the interview that our biggest problem as a woman is that we get emotionally attached to everything, including property investment. And this is my burning question for the show. I want to base everything around. This is how can young women in South Africa start their journey into property? I would say that you need to firstly decide on why you are buying the property. Because when you're buying a property to live in and when you're buying it for investment, it's two different things. And you need to have a different viewpoint on that. For example, if I'm buying a property that I'm going to live in, I have got a different lens. I'm looking onto, I like it. Am I going to stay here? Are my kids going to like it? Is my husband going to like it? So it's a different way of looking at it, unlike if I'm getting an income property or an investment property, because I'm thinking of, is this going to make me money or not? I don't really care if it's pretty or nice or the paint or whatever. It's got, you know, I don't really care about some of those frivolous things. Yeah, that I would have if it was mine. That I would have if it was my house. I would care about certain finishes or about the colors of the tiles or about the color of the paint in the wall. Do you get what I'm saying? Those small things are important if it's your house, you know. But if it's a rental, that's why we need to, as women, we need to divorce ourselves emotionally from the property. So you need to look at it analytically and say, run the numbers and say, is this going to make me money? If that's your objective. If you want to live in it, then by all means, you know, where the lens of do I like it? How long do I see myself living here? You know, whatever else is important to you as a homeowner. And also bearing in mind that sometimes we start somewhere as a property where we live in and then eventually we move out and we then rent it out. So that's also important that you understand what is your long term goal with this particular property. Because when I bought my first unit, like I was saying, I was single, I didn't have kids, I didn't have anything. But I still bought a two bedroom because I thought to myself, I'm going to stay here for as long as possible. It must be comfortable for me and I will move out the day that I get married, which is what I did, you know. And now I'm renting that house out. So that initial, I had to wear the head of I like being here. Other young people are going to like this area. And so they will rent here when I move out. I'm not going to have issues with that. So it's about, you know, just understanding that lens and thinking about it analytically to say, is this a good investment property or not? So just removing yourself emotionally. I know it's an emotional process, you know. Even if you're buying it for investment purposes, because you get invested in the process, you want it to succeed because you want to make the money. You can't help it. But it's just a matter of understanding that you are buying an investment property and just keeping that in mind. And also some of the investors, they make the mistake that they want to buy properties that they would live in and they don't buy properties where their tenants would live in. So that's totally different because a property might not suit your personal taste as a owner or as a person who's going to live in it, but it's perfectly fine for other tenants. Exactly. It's perfectly fine for other tenants. You know, it might not have tiles, other people don't mind it. Yeah. And people just need a roof over their head at the time. They need a roof over their heads. And locations are so important, you know. And location is important. You know, some people say, I would never buy a property in Hilbrough or Yovl or whatever. And it's a booming property market for investment. You may not personally want to live in it, but there are tenants and the demand is astronomical. So you need to just divorce yourself from who you are as a person to say, would I love you or not? To say, would tenants, are tenants willing to live there or not? Because they want to be closer to work opportunities. Right. You know? So they need to take three taxes to get to work. Exactly. And also it's affordable for me and my family and for the people who are there. And I think you know what you're reminding me of something that we spoke about before in the show is know your why. What is your why? Go into this journey and know your why. What is your why? My why is my family. It's my family. You know, it's what strives me to do the best that I can because you know, they're looking up to me as an, especially my children because I've got three children. So they're looking up to me as a role model. Like I mentioned my mom, you know, she was in the property space and I got into it as well. And also my mom, she did her honors. You know, she was 50 when she did her honors. So you know, yeah. So for me, it's like those are the things that she said the bar. Right. Yeah, no, you have to compete. Together I'm saying, so if I'm not doing the best that I can, then you know, I'm failing my children. I'm failing my family as well. So my big why really is about I'm doing that I can so that I can create a legacy for my children. And I can also be the best example and the best role model that I can for them. Because they take, you know, we look at our parents and I'm speaking from experience and we learn from them and we want to walk in their footsteps, you know. Yes, we see the mistakes they make, but we also see how they get up after they fall and that's so important because I think, especially with the new generation coming in, you know, whether it's our kids or people are just a little bit younger than me, it's hard. We are so influenced by social media. It is so difficult to want to do all of these things and achieve all these goals and you want to achieve it even faster now because you're seeing that someone younger than you at the age of 18 has already bought a property. I heard this the other day on the show and I sat here and I was like, 18 and I'm sitting here and I don't have, you know. And I think it's so important to just not be so influenced but also understand that we too as young adults, young women also need to remember that we are leaving a legacy and we need to start now. Absolutely. And also we're all in our own paths. We're all in our own paths and you cannot compare yourself to somebody else because their story is different. Their circumstances are different. They're not coming from the same economic backgrounds that we are. They don't have access to the same information that we are. So really, we can look at other people and be inspired by their journey and say, wow, she's amazing. But at the same time, let us not be too hard on ourselves and understand that we are all on our journey and our journeys are different and our destinations are different. So somebody might be able to accumulate a hundred properties in a year and you might only be able to achieve one. And for you, that's still an amazing achievement because you've gone from point A to point B. Exactly. So everybody's point A to point B is different. So let's not put ourselves under unnecessary pressure. And I think that's a special note too, is a young woman watching the show tonight is that we need to understand that we are running a different race. Different speeds, probably in a different country, whatever the case, I'm just giving these random metaphors. But understand that we are all in our own race, own lane, stay in your own lane. And also, whatever you achieve going forward, don't compare yourself to the other person on Instagram or TikTok, whatever the case may be. I want to talk a little bit about, we spoke about you bought your first property at a very young age, 23. And I want to talk about the property market from then to now because you've been in this game ever since. So do you see changes? Let's talk about women. Let's talk about women. From when you started to now, are there more women investing in property? There could be more. Okay. There could be more, but I think we are getting there. I think we are getting there. I'm starting to see the change. I've got a Facebook group that's for women and I see that they're doing amazing things. They're buying hotels, they're buying land, they're buying apartment blocks. So women are really stepping out, but we are just not as vocal and we don't surface it as much as our counterparts do. And maybe this is a story for another day, you know. But I was reading the story. I mean, Cheryl Senberg, the guy, the crew of Facebook wrote her book about leaning in. And there's just so many, it's so layered the issue about women and how we surface our achievements. We almost don't want to seem as if we're bragging. Right. So we always want to play small and be in the shadows because we don't want to put ourselves out there because what if we make a mistake or whatever our issues are because we've been, I don't know, just in the shadows for so long that it's difficult for us to come out into the light because we're afraid maybe it's going to burn or whatever the case might be. So our issues with just a visibility with putting ourselves out there, it's so layered because we could spend all day just talking about some of those things and the psychological impact that being oppressed for so long. I mean, for example, women, we were not allowed to buy properties until not so long ago. We were not allowed to have bank accounts until we were not allowed to have jobs. So this is still fairly new to us. For us, our generation, we think this is normal. It's not, our grandkids, you know, we are like our ancestors wildest dreams. They could never do what we are doing if our generation is able to do. And because it's so recent, we still haven't yet been able, we're not yet comfortable enough to come out. To come out because we are not yet sure. We are afraid of making mistakes. You find that even in corporate, right, you'll find that like a male person, he knows like 10% of the work. But trust you me, they're 10% that he knows everybody is going to know that he knows 10%. Whereas the women, they are smart. They know what they're doing.  The achievements, about how much they know, about how they speak. And so, you know, they're almost speaking a lower hash tone because they're uncertain. Whereas the men, you know, we will know. We all know. We hear you. We hear you. So I think women are slowly getting there, but we are not where we could be. Right. But at the same time, if you look at reports from Lightstone, they're indicating that single females are the biggest property buyers. Yes. The group. Yes. They're more than married women, more than single men and more than couples. Single females are the biggest property buyer group, you know. So we are getting there. Exactly. That we are focusing mostly on providing accommodation for our children and our family. That's where we are at. So we are now taking the next leap to getting to be the investors. Exactly. So that's the next level. But I think in terms of getting our primary residence, we are there. So Céline Dille, you literally answered my question because my next question was going to be, how accessible do you think the property market is to women in South Africa? I think it's more accessible than it's been in the past. As I was mentioning earlier, that single women are the biggest group of property buyers. I think we are there. I think there's so many opportunities now. And I think especially with in areas like most in the cities where there's like your complexes and your townhouses and your flats, where women feel safer to be able to buy into those. Because now unlike in a standalone house where maybe safety might be an issue, we are able to buy into these communities that have got facilities that we use. So I think it's definitely the tide is changing. We just now need to move from being the consumer to the producers. Moving from buying properties to live in to rent out. So that's the next level. To become those property investors. Yes. You know, and it's amazing that we've achieved, you know, that the ability to buy our first home. Yes. And you're right. And I think what's so important is, and I think I'm not saying men don't look for security and safety, but it's one of our as women, one of the top things on our list when investing in properties, especially a first home, is this community safe? Because I'm alone. I don't, I'm not buying it with my partner, whatever the case maybe is. So I feel like safety and location is one of the two top things we look for when investing in property. Absolutely. And I wanted to go on to, because I introduced you and I believe you are extremely successful when it comes to the property market as a woman in South Africa. And I'd like to congratulate you again on all your achievements. But what would you say is Céline Delaise's secret to success? And you have to share this. So we too. Can you know? Get there. I honestly don't know if there's a secret, but SD, I just work very hard. I'm passionate about what I do. I'm passionate about helping and serving people. You know? And so when you are, when you serve, you know, when your first, when your first instinct is to serve and to help, then it just becomes easier. So for me, I think it really is about serving. It's about helping people from a genuine desire to help. That's where it comes from. So then if that spells over to other things and other accolades, then that becomes a bonus. But for me, it really is just about being a person or being a servant leader and being able to serve and to help other people. That's so true. And it needs to come from a genuine place because it's just, it's like a cycle. It just comes back when you give it, you receive. Yeah. Yeah. We spoke about women becoming investors, more so than first time home buyers and investing in, big developments. You spoke about women who started investing in hotels, which is great. But becoming, you know, that part of the triangle or the pyramid, however you look at it, the main person, you know, the top, the investor and people, you know, now they start investing in us, pyramid scheme, things. I would like to know from you, how do you believe that young women in South Africa can become those investors in the property sector? It all starts with that desire. You must want it. Because why, it goes back to your why. It goes back to your why. Because once you've got a very strong why, all the excuses go away. When you went, for example, you say, I don't have enough money. You then say, how can I? When you say there are no deals on the market, you say, where can I find them? How can I find them? But it has to start with the desire. You have to want it. Because then when you want it, you're going to be willing to put in the work that's required. So once you've got the why, it's about doing your research and doing an understanding what it takes to be an investor. Because it's a different, we spoke about it earlier around, you know, the lens that you wear when you're buying a property to live in and for one, for investment, right? So it's important that you spend the time and energy and money as well in educating yourself. Educate yourself about being an investor, much like we mentioned earlier, that I did my MBA in South Africa as well as overseas. If you're going to be good at anything, you need to spend the time and energy and money in educating yourself so that you can be good at it. So you have to do that, unfortunately. You have to learn about what does investing mean? How do I know whether this is a valid investment opportunity or not? How do I know what are the running costs of a property? How do I manage it? How do I find it? How do I source funding? You know, how do I become an investor? Because it's a different thing, right? Yeah. So that is what I would say that you need to do, you need to start with having a big why so that there are excuses for going out the window.   Because I'll make myself as an example, you know, I bought my first property in 2007 and then I really didn't grow my property portfolio until I would say 2017, they're about, you know. And so the tide changed when I actually got myself a mentor because I was doing things that were wrong, they were unsustainable and they wasn't going to take me to where I wanted to get to. So really I turned the corner once I actually get a mentor because they've made all the mistakes, they've made, you know, they know what works, what doesn't work, how to get money from the banks and other investors, et cetera. So for me, that's when literally things changed is by getting myself a mentor to walk that journey with me. Because there's no need for you to make the same mistakes. Absolutely not. Educating yourself. And just today, actually, we spoke about as much as yesterday's academic knowledge that we need to be great at this journey. But there's also personal development. And you as a person, and we just spoke about this today and how every day we need to continue developing thyself, you know. So what are you doing to develop yourself? I read a lot. I read a lot of books. So I like audio books, I like actual books. So I read at least two books a month. And then I'm also like watching podcasts, YouTube, networking with people to grow my own knowledge. Because if you're the smartest person in the room, then you know, you need to get another room. Right. You can't always be the person that's the smartest in the room. You need to look at, okay, this is where I am. This is where I am, sorry. What are people that are doing at the next level? Right. And how do I get to the next level? What do I need to do? You know, so I do a lot of around, you know, because I'm a mom, I've got three children, I'm a wife. And you know, in all these balancing priorities, so how do I manage my time?  So I really read things that are interesting to me that I feel that this is the area that I need to grow in. You know, so those are just some of the things that I do. You can never have enough knowledge. No, absolutely not. Especially on your, if we're growing every day as people. We grow every day. And that's, yeah. And when you think you know everything or you think you've made it, that's the beginning of the end for you. Right. And then you just go, move to the next room. Move to the next room. Where people that are doing bigger and smarter things than what you are doing at some moment. Exactly, I love that. I love that. I want to talk a little bit about why do you think, because we spoke about women in corporate spaces and how, you know, our personalities are just a little bit. We're just here. And we, it's difficult for us to just speak out and proudly and because like you said, we feel like we're boasting. Yeah. Why do you think the property, or do you think the property sector needs more women? We do need more women. We do need more women because women naturally gather us. We want, you know, we provide us, man. We are creators. We are creators. And so creating a space like a woman can come and look at this, you know, white walls here and say, we can put this there. I can imagine these things here. We're not, we're not done by. You know, it takes a certain touch as women to add value and to just think of things creatively out of the box.  There's more of us. Yeah. So we know what it takes, you know, as you mentioned earlier on, we know what women are looking for, when they're looking for arms, they're looking for safety, they're looking for convenience. And so when we are becoming investors, we are providing the kind of homes that we would want to live in, you know. So if you look at some of the other properties out there, you just look at it and say, I can imagine this house. The landlord here is a man that no woman would allow this. Yeah. It's so easy to just spot. You know, so I think we do need more women out there because we just have a different way of doing things and doing business. And you know, the fact that we are not able to, or we are not yet there, I really think that, you know, the world is deprived of our skills and our abilities. And we need more women in property. I agree, I agree more. Yeah. I'd like to find out from you, and I'm just going to narrow it down to three qualities that you believe, let's say property investors. Maybe we bombarding them with the woman. But we need to talk about women. Three top qualities that you believe a property investor needs to achieve. What you need to be able to achieve in terms of? So like if I want to achieve as being a property investor. Okay, okay. And I want to, positive cash flow. I always want these things to manifest. I don't want to fail as a property investor. All right. What else? Yeah. So the first thing is that you need to have a strategy. Because you can't do, there's so many different strategies that are available in the property industry. You can do flipping, like buy and sell. You can do buy and hold where you're doing, you're buying a property to rent it out. So you could do flats, townhouses, standalone houses. You know, there's so many things that you could be doing to your accommodation. You could be doing short-term letting, like on Airbnb or booking.com, et cetera. So you need to be very clear around, you know, what is your strategy? Because if you're going to be all over the show, you're going to basically overwhelm yourself, and then you're going to say, this is too much, I want out. So have a clear or a preferred strategy. You can have a secondary one, but have a preferred one to say, this is what I want to do in the property space. And this is my niche, and this is what I want to do. Maybe while starting out, you can always grow later. The second thing is that you need to be able to find and analyze good opportunities. You need to find the right opportunity. You need to analyze it and say, does it make sense from a cash flow perspective so that it makes money for you? Because remember, you're not running a charity, you're running a business. So it needs to make money for you. So you need to understand whether the costs upfront or the costs ongoing. So basically finding those opportunities and doing your research and your due diligence and running your numbers around it, it's going to be key.  And then you're going to fail in business. So you need to make sure that you're buying right. And then the most important thing is you need to be able to find the money. Because you can find all the best deals in the world, all the best opportunities in the world. If you can't match it with money or access to money, then your dreams of becoming a property investor go out the window. But having said that, a lot of people always say, oh, I don't have money. And then it's the end of the world.  It's not the end of the world. There's so many ways that you can actually raise money. The banks are part one. The banks are part one. There are many other creative strategies that you can use to actually raise money. But without the ability to raise money, you can't buy the property. Unfortunately, property is expensive in South Africa. So you do need the money. You can't run away from it. So you'd say, OK, why does my goal then? How am I actually going to raise money? You can approach the banks. You can use, for example, seller finance, where the seller actually finances you to buy the property. In the space that I'm in, we're in a property stock fell. You can use a property stock fell to help you raise the money. You can even approach other investors or other members of your family or church members or your friends. And you club together and you buy the property. There's so many ways that you can do this. So don't let your own affordability or your own limited access to funding stop your dreams of becoming a property investor. And I feel like that's a whole show on its own. Because you said creative ways that we can get money and access to these funds to become a property. And we need to sit down and talk about all these ways. Because I do believe that there are younger people out there who feel defeated when they do not have enough funds. And they're just like, OK, I can't do it. The bank doesn't approve. As soon as the bank says no, they feel like there's nothing else they can do. But there are so many different avenues to get this money. And I like that you spoke about property stock fell. And I know that a lot of people have heard about it, but they don't necessarily know how it works. So maybe just before we wrap up, if you can maybe speak a little bit about that. Because like I said, the burning question of the show was how can young women in South Africa invest in property with a basic salary of 10,000? How do we achieve those goals? And I feel like property stock fall is definitely one solution. It's definitely a viable solution in the sense that you come together with your friends or your family or whoever you've identified that this is the right people that you want a journey with.  Because you may find that, for example, you're finding a cheap property for 200,000 rent. You can still find those properties in the CBD in Jobek and Pretoria. You still can. And then you put money. Maybe the bank just needs some deposit at 10% or 20%. That's fairly easy to raise if you're putting in 1,000 rent or 2,000 rent each. So then you get the first property. And then you put another 10,000, 20,000 rent deposit for the next one. And then you're clubbing. So it doesn't become so prohibitive anymore. So really a stock fell is one of the ways that we all know. And it's an industry where in excess of 50 billion rent circulates in stock falls. But most of those money is going towards consuming. And I mentioned earlier around how we should shift from being consumers to being producers. Instead of being the ones that are just giving our money away, we are actually the ones that are receiving the money. So let us just then think creatively around how can we change our minds around how to raise money. And stock fell is just being one of those ways that we can do so. That's very true. And I feel like I spoke to a group of friends about this, and I really wanted to start this initiative and join. But then the biggest, I feel like, issue is, the biggest downfall is will you still have that 1,000 rent that you're putting in in the next few months? But then again, it goes to self and personal development. And it goes back to what you were saying about, if you do not have the funds, make a way. Yeah, make a way. You start businesses, whatever the case may be. You know, we all have our own little hassles, I like to call it on the side, that can help you get that 1,000 rent. And it's, you know, only a 1,000 rent. Really, it all boils down to what is your strategy and then the property that you've found and how much do you actually need. Because you might find that the bank is willing to finance 100%. You just need transfer and bond registration cost. Which on a 200,000 rent property might not even be that much. So if there's four of you guys, maybe it's 20,000 rent or it's 15,000 rent. It's not prohibitive. And I mentioned earlier that you must have, when you're an investor, you must have a different lens around which property you would live in and which one would work as an investment. Because you may find that as a start, a little bachelor in the CBT can be your start. You learn the ropes and then you move on to the next one and then you move on to bigger deals. And I think with property stock fall, because it would be three, four, five, a group of you, if you, as a group, can come to an agreement on why we're doing this, you know. It's great if you join a property stock fall and we all have the same why. Exactly. And then we figure out how to go forward. And the same level of commitment. Right, same level of commitment, very important. I want to talk about leadership and women empowering you yourself, you empowering the women in the property sector. And I'd like to talk about how are you using your current skills to empower more women. I know you said you started a Facebook group. But so how else are you empowering women to join you on your mission to invest in property? Okay, so I do have that Facebook group that I've mentioned, which is specifically for women in property. And then I'm also a property coach and mentor. So I do help other women who want to invest in property, not just women, but primarily women. So that's one of the ways that I do that. And I've also mentioned traditionally stock falls are mostly for women. Well, I used for women to have mothers and grandkids. So I also have a property stock fell and most of our members I would say a 60 to 70% are actually women. So now I'm having women who are coming in and getting introduced into property through the stock fall model. And what I'm finding now is some of them come in through the stock fall and then they understand how property works because we share so much knowledge around. This is the property we're buying. This is how we're buying it. These are the numbers. This is how we're going to add value to it, et cetera, et cetera. So they're getting, and so now they're saying, wow, I want to do this too. So this is a way that they're coming in at a lower price point and they're getting access to a knowledge and basically of how to actually become a property investor. And so they then actually becoming interested in becoming investors themselves. Becoming the producers. Exactly. Not the consumer. Exactly. Might just name the show that. Be the producer, not the consumer. I like that. So Céline D'Lestel on the topic of woman empowerment, most importantly. We see lots of friends, family members, who are women who are currently still living in the shadow of whether it's their husband, their partner, whatever the case may be, and who are actually trying to get out of that shadow and trying to be where you are, right, out of the shadow of the man and living for you and trying to achieve their own goals. What advice would you give for women who are currently going through that phase? You know you're in between. You don't want to outshine your husband but you also want to achieve your own goals. You're in between and you're stuck. What advice would you give women like that in South Africa right now? I would say that you know, when we get married or get partnered up, we are still individuals. We still have our own goals and what we want to achieve. So if that's what you want to do and you want to become a property investor, by all means you can take your husband with you on that journey. But he may or may he may not, right? But what's important is that you've got a strong why you want to do this. You must still have the right mentality and mindset about I want to become a property investor. And in some cases you may need your partner's support but you can't do it by yourself. You know, you can for example go to the bank, get a loan. I mean banks are willing to give home loans to individuals even if you're married.  You can get a loan by yourself as well. If you're married in a community of property you may just need their consent or whatever but you can.  And I think again it's about educating us. It's about educating yourself. It's about understanding to say, you know what, I want to invest in property but my husband is not keen or that's not his cup of coffee or whatever but I want to do it. How can I still do it? Right. How can I? So you need to be able to just break down those barriers in your own mind to say this is actually possible because like we mentioned earlier in the interview that we, our grannies we're not able to do these kinds of things. So psychologically in our minds we still have those limiting beliefs that we can't do these things. You know so but nowadays there's opportunities that are out there you just need to do research about it. Find out what can I do if I want to become a property investor and you know and you can do it on your own absolutely, absolutely you can. In, I feel like in my opinion I do believe that a lot of women are still living in the shadow of their husbands or partner is because they, it's lack of knowledge. They don't know that whether you are married in community of property you can still and I think that we don't know that we can do this alone. Yes. You know for me the first thing is joint bonds. That's all we know but you can actually if you can afford it by yourself you can do it alone. You don't necessarily need your husband or your partner to do it with you. So again I feel a lot of us as women need to start educating ourselves in this regard. Absolutely. You know you find that some women don't even know the finances of their homes.  You don't know them. You've just basically handed over all financial responsibility to your partner.  Your money is going to sentence money and going shopping with it. So you're not really involved in the finances of your own home. So I think we also need to take accountability for the finances of our home. Because you may find that even your husband is blacklisted and you don't know it. Because he's not telling you because he's there to provide security and safety. You know and the fact that you don't know what you don't tomorrow you homeless. You know and so it's so important that we manage our finances as individuals well but we're also put up with what's happening in our finances as a couple. Because if you're going to be applying for a bond whether individually or jointly both of your finances are going to be taken into consideration. So I think we really need to own up and actually take accountability for our own actions in our relationships and how we manage our finances. But absolutely women can apply for bonds and buy properties on their own. Even if they are married. Even if they are married. And I think again it's about taking that leap of faith and actually just doing it. Thank you so much. Thank you S.D. and the private property team. My final question for you. Thank you again so much for joining us. What Silindile is your hope for women in the property sector? Let's take up those spaces guys. Let's not play small. Let us enter those rooms where we think are not accessible to us. You know let's break them down and let us get in there. Let us sit around those tables where the decisions are made. So I think we've been playing small. We've been limiting ourselves due to our own issues. I think it's time that we now take up spaces and we actually become the investors, the producers and not just the consumers. I like that. Thank you so much Silindile. Thank you for joining us this evening. You've taught us a tremendous amount of knowledge I've learned just from sitting next to you. Sitting in the same room as you. So thank you. To everyone at home that's watching take up space. That is the message of this evening show. Thank you so much. Take care and keep warm.


Going on everyone Sam here with late sports cards have been 23 bowman draft baseball sapphire edition 5 box break number 8 Random team style. There's a look again at your random results as always you can find these all on the website under the results tab as well as the link in chat So good luck here everybody. It's rock and roll last break of the night. Thank you all again for hanging out and sticking around Kyle is live over on channel 2 still ripping personals everybody Oh Jake Cunningham jet Williams See a pappy in the day. I've had parasha. There's a yellow Zach Levinson to 75 for the Cardinals That's St. Louis Eric Paton C and Colton led better Leave this product already been out for a month like really bowman draft. Yeah That is a Tommy Troy Otto to 199 guys on that Arizona Peter N guys Peter Now we're doing them over on channel 2 we have a YouTube late in sports cards channel 2 that's we're doing personals tonight Jacob Gonzalez kept Alderman and Ludwig Espinosa Kyle and Matt Wednesday nights. That's what they do over there as personals all night Gold Luke Kieschel to 50 for the twins This one there Minnesota Braden Taylor and Ethan sauce Wyatt Langford Max Clark and Carlson Reed Connor Burns Ethan O'Donnell yellow tie Floyd to 75 for the Reds Grats on that one since he The only case that Nelson rod well It's an anomaly again. What are we doing? Black to 10 drew Gilbert and Max Anderson That is a brave Drew Hackenberg to 10 Congrats on that one their braves You lost Congrats, you know your mommy's at sucker Gold Luisa. Hello, Kunya 2 at 10 or to 50 excuse me for the Mets So let's then match all based on a rent louder pump it louder pump it louder Do this to 199 midnight only 1138. I want to say it's almost it's almost midnight Say it's close Ariel Castro and Jacob Wilson. Nobody wants to hear that. I do Nobody else That is yellow to 75 cam Fisher for the Astros Levi Wells and Christian Napstick Sapphire selections Braden Taylor Levi Kind of a tough name the whole entire jeans company named after me Yeah Sit on Stray Morgan orange Kendall George to 25 Grats on that one there Dodgers Take a gravy and Jack money Adam with a another person Charles J with a personal And Adam H with another personal. Thank you guys. Oh, yeah, man ham Samuel Munoz that is a Gold sapphire selections Adrian Santana for the raise to 50. Oh Wilson Conley early Gold auto is Brock Vredenburg. Let's go. There you go Matt Mr. Moss good stuff there, buddy Vredenburg gold auto two at fifty two or no. Yeah to fifty two of 25 good stuff, buddy Take that for sure Brady Smith TJ Nicklaus Gold Jase Barofin to 50 for the Blue Jigs. It's almost That didn't yell though Pump it loud away George pump it louder pump it louder. Is that better? No No Waldrop in Guanipa got yellow first Michael Carrick go to 75 for the Cubs Blake Mitchell in Emma Olson Blake Mitchell to 25 sapphire selections congrats Royals Nice one there KC Clemmie and Jesus bias. It's a yellow Matt Shaw to 75 Congrats Cubs Green auto Enrique Bradfield Jr. to 99 for the Orioles What is that 60? No two of 99 two of 99 Enrique Bradfield Jr. for Baltimore Hunter Hawes and Gabe Gonzalez Daniel JC young that is an orange Samuel Munoz to 25 for the Dodgers Mercedes and Machia Chase Davis your entry Vargas Got Cooper Engel Noble Meyer and Travis honey in and yellow Paul Skeens to 75. Congrats on that pirates. There you go Pittsburgh Get that into a mag Pirates is gonna be Brett S congrats Brett to Brett good stuff there, buddy Paul Skeens Skeens last box of the night over here on the main channel everybody again Kyle still live ripping personals on Channel 2 Grab your personals now everybody's ripped a ton of them Rios and Michael Carrick up Gold Paul Wilson to 50. Nice one there Tigers through Jones and Roman Anthony Colt Emerson Eric Patonsi to 199 congrats on that brew crew on the auto Eric Patonsi first auto Bovee Wolters Christopher Doreen We'll do it again one more pad Parash in the last pack Jackson holiday Sean Sullivan to 75 nice one for the Rockies that's rocks Bryce Eldridge and three two Valdez had Kevin Sim. No Diaz Dion Jorge Last pack of the break everybody. Good luck an orange Brady house of Ariel Castro for the twins to 25 Congrats on that Minnesota Luke Schlager and Lucas Gordon Quick recap here, everybody We've got to 75 Sean Sullivan Michael Carrick. Oh, Matt Shaw Jace Barofin. This is That's the 50 to 50 Adrian Santana to 75 Cam Fisher Ty Floyd Zach Levinson to 50 Paul Wilson Luis on Helicunia Luke Kiesel to 25 Ariel Castro Kendall George Blake Mitchell Samil Munoz to 10 Drew Hackenberg got autos of Eric Patonsi Rhett Louder Tommy Troy to 99 Enrique Bradfield, Jr To 50 is Brock Vraedenberg and then to 75 Paul Skeens. Libby done boyfriend. Libby done boyfriend. Libby done boyfriend. I'll do it for the break everybody. Thanks again for the fill Up next is nothing


Hello, I'm Rai and this is Vicky. We hope your semester is going well and today we're here to invite you to the career fair on April 18th from 10 a.m. to 4 p.m. This year's title is your path to success and to get you started we have prepared a great program with companies such as Amazon.com, Johnson & Johnson, Launch Meet Studio, Check Radio and many more. We'll have an environmental careers discussion with ExxonMobil and AB Inbev and Prague College. We'll have guest speakers on topics such as professionalism, contemporary coaching methods, journalism and professionalism in general. On top of that there are some special activities for example a resume workshop, a professional photo corner and competitions and prizes for the day from Prague College and our partners. From 4.30 to 6.30 we have our guest DJ Cassandra helping us switch gears to our social mixer with beverages provided by AB Inbev. So dress smart, bring your portfolio and get prepared for your next big opportunity. See you there.


Stand by for crime. Hi, Morgan speaking, KLP newscaster. Well, another of those unusual murders has occurred here in Los Angeles. Last week, a man's body was found on a lonely dirt road off Mulholland Drive up in the Santa Monica Mountains. He'd been shot to the head with a .38 caliber revolver. He'd also been badly beaten. His name was Mark Adams. That's what made the murder unusual. Mark Adams was a partner in one of our leading stock and bond houses. He had a respectable, straightforward life since he'd moved here from Portland ten years ago. Dozens of friends testified of that fact. He had no enemies. Robbery had not been the motive. Because of sizable, some of money had been found in the wallet he carried. Why then had he been murdered and his body left in a lonely Santa Monica Mountains? That was a good question. I asked Bill Meggs of police headquarters if he minded if Carol Curtis, my secretary, and I called on the widow, Mrs. Ada Adams. Bill said, heck no, if we picked up anything to let him know. So Carol and I climbed into my jalopy and headed for the Adams residence, which was on Bettyton Street. I guess this is it, climb-upers. I really hope she'll talk to us. I wouldn't blame if she didn't. Well, if she doesn't, we'll come back another day. Ring the bell, will you? All right. So Carol pushed the bell, Britain. We heard chimes ring inside the house. After a minute, the door opened. A woman of about 40 wearing a long-sleeved black dress appeared. It was obvious she'd been crying. You, Mrs. Adams? Yes, I'm Mrs. Adams. Well, I'm Chuck Morgan. This is Carol Curtis. We're from Radio Station KLP. Oh, reporters. Well, if you don't mind, I... We want to help you if we can, Mrs. Adams. Mr. Morgan has a reputation for aiding the police in these cases. Oh, you're that, Mr. Morgan. Well, I'm sorry. I didn't mean to imply that... You understand perfectly, Mrs. Adams. You're upset and confused and hardly know what you're saying. Yes, that's it, exactly. Well, all right, you make them in if you like. Thank you very much. Thank you.  Thank you. Tell me, Mrs. Adams, can you think of anybody, any friend or business associate who would gain by having your husband out of the way? Oh, no, there's nobody. Nobody at all. Well, there had to be a reason for him being shot, Mrs. Adams. No one would be more apt to know that reason than yourself. If there's anything you'd like to tell us in confidence, we'll respect your wishes. Well, I... yes, there is something. Good. I know I should have told the police, but in the excitement, I somehow felt that I could keep it a secret. If Mark had died any other way, I could have. Keep what a secret, Mrs. Adams? Oh, it's horrible. Because of the way that Mark died, there'll be an investigation. They'll find out. It'll be in all the papers. The disgrace of it. Mr. Morgan, if I tell you, will you help me keep the secret? By doing so, I'll not obstruct justice, I will, of course. Do you promise? I promise. Very well. I know of your contacts with the police department. A Lieutenant Megs called to say you were coming out. Because of your friendship with Lieutenant Megs, you can help maintain Mark's reputation, even though he is dead. Mr. Morgan, my husband was... was a hopeless dope addict. If Mrs. Adams had told us that her husband was an escaped convict, we couldn't have been more surprised. I knew Mark Adams by reputation had met him on one or two occasions. He was a man of integrity, good habits.  Still, a clever addict can conceal the effects of the stuff without much trouble. Except perhaps when he needed a shot and couldn't get it. Well, this was a motive for murder, all right? But we had to have a lot more of a story than we knew now. It's rather a startling bit of news, Mrs. Adams. I know, I know. It's going to come as such a great shock to so many people who knew and trusted Mark. You will try to keep it from the press, won't you, Mr. Morgan?  Oh, no, not a soul knew it. Mark was very clever about keeping his secret. As you may know, dope addicts can do that. How long had he had the habit, Mrs. Adams? Well, I don't know for sure. It was about a year ago that I first learned about it. I'd been away for a few days and returned earlier than I expected. It was the middle of the afternoon and I was tired after my trip, so I lay down for a nap. When I awoke, it was almost dark and Mark was just entering our bedroom. Blasted light. Hello, Mom. What's... Ada, what the devil are you doing here? Well, darling, aren't you glad to see me? I caught an earlier train. Yes, of course. Of course.  I'll be with you in a minute. But Mark, do you... Mark, what's that you have in your hand? Never mind, it's nothing. Now look, let me alone. Get out of here. Well, it's a hypodermic needle. Well... Mark, you're not... Oh, no, no, you... Yes. Now you know. At least I won't have to fight that part of it any longer. Wait here. Mark went into the bathroom. He was gone about ten minutes. When he returned, he was completely relaxed, seemingly normal. I couldn't believe the change that had come over him. I'm sorry, my dear. Now, I'm almost glad you found out. It's been pretty bad trying to keep my secret. Oh, Mark, this is awful. It's terrible. How long have you... It began in Portland. Just before we came down here. You'll recall, I didn't get that promotion at the office I was promised after old Hartley died. Well, Thompson gave the position to his son. I was pretty disappointed. A lot more so than even you suspected. I had to have some escape. And so you resorted to dope. I had a friend who used some occasionally. He assured me it offered complete freedom from care and that it was easy to break the habit.  Don't you know that it's more habit-forming than anything you could possibly have done? I didn't then. I do now much to my sorrow. But, Mark, what are you going to do? What are we going to do? They'll find out sooner or later at the office. They're bound to. It'll be the end of it. They won't find out, Ed. They mustn't, not ever. But how can we... You can help me, Ed. Look, Ed, you must. I'm going to break myself of the habit. I have a vacation coming up. I'll go to a sanitarium. I'll take the cure. Look, I'll be off the stuff forever. Only you'll have to go with me, Ed. I'll need your strength desperately. Ed, will you help me fight this thing? Of course I will, darling. I'll do everything possible. Oh, my dearest, we'll fight it together. And win. Did your husband go to the sanitarium, Mrs. Adams? Yes, he went, and I went with him. We stayed a month. It was pretty horrible the way Mark suffered. But it was worth it. At least I believe so at the time. Why is your husband cured, Mrs. Adams? Well, I thought so. I think Mark did, too. After the month was up, we came home, and for a time everything was fine. Then I began noticing the inevitable signs. Signs I had learned to recognize at the sanitarium. A brightness in his eyes. A controlled nervousness followed by complete relaxation. At first I closed my eyes to those things, telling myself I was overly suspicious because of what had happened before. But you knew in your own mind he was using the stuff again. I had to face it at last. Two nights ago I started out to attend my bridge club. I drove around the block and parked across the street from our house. An hour passed, and then a man came along the street his hat was pulled down and both hands were deep in his pockets. I got down out of sight and waited until I heard him climbing the steps to our porch. And then what happened? Mark opened the door, but didn't turn on the porch light. I couldn't hear what they were seeing, but I knew they were arguing. After a while they went into the house. I got out of my car and started across the street. I'd reached the sidewalk when I heard the shot. Did you see the strange man again? No. I'd forgotten my key. I guess I became panicky. I kept pounding on the door and screaming. After a long while someone came and then the police. I must have fainted. When I came too I was lying on the living room couch.  There was blood on the floor. But both Mark and the strange man were gone. And the next time you heard of your husband was when they found his body upon Mulholland.  How much of this have you told the police, Mrs. Adams? Only that I'd forgotten my key and came back for it and heard the shot and began pounding on the door and screaming. And you haven't any idea who the strange man was? No, none at all. A strange man could have been any one of several dozen dope peddlers in the city. Well, it's going to be quite a trick to keep this away from the press. The police will have to know. Oh, but you promised. Only if I didn't have to obstruct justice, Mrs. Adams. This dope angle not only gives a motive but narrows a number of suspects down considerably. But Chuck, isn't this something you can do? What? Well, think about how terrible will be for Mrs. Adams if it becomes known that her husband was an addict. It's she who has to face all those people, you know? Yeah, I know. Well, let's talk it over with Bill Megs. He's a good guy. Maybe we can dream up something. You can rest assured of one thing, Mrs. Adams. No one but the police will be taught about your husband being an addict until we pick up his murderer. I didn't call Bill Megs at once. I couldn't get the picture of the distress and Mrs. Adams' eyes out of my mind. Maybe somehow it would be possible to crack this case without letting it become known that Mark Adams had been an addict. I didn't know how. But for lack of something better to do and to give me time to think, I headed to Jalopy up towards Mohullen Drive. Was it somewhere along here that the body was found, Chuck? According to Bill, it was about 100 yards down this road. Yeah, this is it.  I can't imagine what you expect to find.   There only seem to be one set of tire prints. One set? I can see a dozen, but what if I couldn't? All the prints were made by the same set of tires. Those were probably on the police car. What I want to know is, where are the prints made by the tires of the murderer's car? And how did his body get here? You say there are no prints of a second automobile. Well, I'll tell you how I think it got here, Grammapis. Look up there. That's Mohullen Drive, curling around the side of the mountain. Oh, I get it. The body was thrown out of a car up there, and it rolled down here. That's my girl. Bill said Adam's clothes were torn, his body cut and bruised. Well, then we're wasting our time looking for tire prints. Maybe. However, the car up there probably stops so the murderer could get the body out. Now, if the road had soft shoulders, there'd be tire prints up there, wouldn't there? And you don't think Bill makes those of that? I do. I think he's already made an impression of the prints in his lab. Oh, what makes you think that? Bill told me. Why, you sell and sell. And you made me think that all... All right, don't get sore, Grammapis. I'm only stalling for time so my conscience won't bother me for not reporting Mrs. Adam's story to Bill. Oh, I hope when you do tell me, put you in jail for a year for obstructing justice. A year? Now, come, come, Grammapis. What would you and Pappy do with me for a year? Grammapis and I've been walking around while talking. I step behind a bush and I'm quite lying on the ground. It's a page from a newspaper. Nothing unusual about that, except that this page was folded neatly and the date line was staring up at me. It was dated July 24th, the day Mark Adams had been murdered. I picked it up and unfolded it. It was a page from the classified section of the Los Angeles Observer. Why so interested in a page from the Observer, Sherlock? Nobody ever reads that scandal sheet. Certainly not a man of Mark Adams I standing. Still, it could have fallen out of his pocket when he rolled down the hill. Well, what are you reading? Classified ad that's underlined in pencil. Oh, this is a fine time to go looking for Bobby.  Let me read. For sale, 20 karat diamond ring, bring cash to 222 Beddington Street after 9.30 p.m. July 24th. Oh, Chucky boy, you don't mean... Not at last. Oh, darling, you don't have to give me one that big. Honest, I'd be satisfied. Grammapis, will you stop that chibring?  Well, then you're not going to... 222 Beddington Street is the address of the Adams family. Whoever answered this ad in the paper is the man who murdered Mark Adams. The conclusion of stand by for crime. All dope addicts need money. Yeah. Mark Adams made desperate by his cravings and probably decided to sell his ring, inserting the ad in the paper that he knew his friends never read and naming a date for the transaction when he knew his wife would be at a bridge club. Well, I felt that the advice of an older and wiser head wouldn't hurt this situation, any. But Carol and I drove back to the station and told our story to Pappy Mansfield, owner of KLP. We're looking at it purely from a news angle. Chuck, you may have something. However, the pleas have got to catch your murderer first. Unless I beat them to it. You? Here we go again. Look, Pappy, I've got an idea. You know Bugs spent to the gambler. Sure, sure, everybody does. Well, Bugs has a penchant for rocks, diamonds. Big ones, little ones, medium-sized ones. He owns a dozen of them. Everyone knows that, too. Now, maybe a shot in the dark. But it seems to me that a rock the size of the atom's diamond would make his mouth water. Oh, so you're going down and ask Bugs man to man if he shot Mark Adams so he could get that diamond without having to pay for it. All right, all right. Be sarcastic. I'm going to ask Mrs. Adams to describe the ring. Then I'm going to find out if Bugs has it. If he has, I'm going to ask Bill to arrest Bugs and charge him with Adams' murder. That way we won't have to even mention the fact that Adams was a dope addict. You know something, Chuck? What's that, Pappy? It's a hot day outside. The thermometer's up over 100. There's a rumor around that today's heat will break all known records. Now, if this happens, then you wrote a story for your 7 o'clock guesswork. All right, all right. I'm dying laughing. Just for that, I'm good to show you something. I was a jackass. Ask anyone's advice.  Goodbye. I was mad. I got out of there and headed for Beddington Street. Ranged the doorbell of the atom's home. Mrs. Adams still in her morning dress and invited me in. A ring? A diamond? Oh, yes, Mark did have one. A rather large one. Wasn't it... I mean... When you identified the body, Mrs. Adams, did you notice whether or not the ring was missing? No. That is... Well, I was too shocked. It was the last thing that I... I understand. A ring, such as the one owned by your husband, was advertised for sale on the observer. This address was given. The buyer was asked to appear after 9.30 on the night of your bridge club. You mean that Mark sold the ring so that he could have more money to... to buy dough? Well, most dope addicts are forever in need of money, Mrs. Adams. It's possible that ring buyer murdered your husband. If you describe the ring as accurately as you can, we still might be able to pick up the murderer and keep the knowledge of secret that your husband was mad at. I was still mad. Otherwise, I might have had the common sense to call Bill Meggs before going down to see Bugspence. But I didn't. I drove down to 9th Street and found the building that contained his so-called office. I got by the day with the desk and located Bug's private sanctum. He was sitting behind a big horseshoe desk as flashily dressed as ever. There was a diamond ring the size of a marble on his left hand. Two of his strong-arm boys flanked the desk on either side. Well, if it ain't Mr. Chuck Morgan, the gent who talks in the radio without saying anything, what's in your pea-sized mind, Morgan? You want to lay a bet? I want to lay a bet that I can tell you where you got that ring. Ah, quite a rock, huh? Brand new. Okay, what do you want to bet? Oh, maybe 10 years up at Q. I may even go higher than that. Yeah, how high? How about the gas chamber? Look, you saying I knocked somebody off to get this rock? What did you get it? I bought it. That's a switch on your usual practice. Who'd you buy it from? A guy. What's his name? I don't know. I didn't ask him. Did he live on Bettingham Street? I'm coming in here and asking me questions. Take it easy, Bugs. Take it easy. You know from past experience it's smart to answer my questions. Bill Megs is on his way down here right now. I'm just trying to give you a break. What kind of a break? The man you bought that ring from is dead. Okay, so he's dead. Let him be dead. Who cares? He was murdered. Okay, so he was... What do you mean, murdered? Oh, look, Morgan, I didn't murder nobody. See, I got this ring strictly legit. Then you'd better start dreaming up some new alibis because I've spent the morning busting your old ones wide open. Well, how do you like that? Boys, did you hear what this punk said? He says we ain't got an alibi. Max, you got that bill of sale? Yeah, sure. It is, boy. Hand it to Morgan. Hey, look at that newshound. It's a bill of sale for a diamond ring, ain't it? It's signed by the guy who sold me the ring.  Now, wait a minute, Bugs. This isn't nothing. I ain't waiting for nothing, Morgan.  But I'm kind of glad you did, you know why? Because now I got an excuse to throw you off. A good excuse.  Boys, show Mr. Morgan the door. That'll be a patient. Bugs boys had a peculiar way of showing me the door. I didn't see the door at all. I was unconscious when I went through it. I woke up in an alley behind the 9th Street building. The sun was beating down full force on my face. Flies were buzzing around a cut above my left eye and I was soaked through with sweat. I got up on my knees and peeled off my coat. It was an outside water faucet and a patch of shade on the west side of the alley. I crawled over there and soaked my head into the cold water. Five minutes later, I was in a phone booth talking to Bill Meggs. That's right, Bill. That's the address. What? Am I sure? Was I ever wrong? Yeah, I'm laughing too. Okay, Bill, thanks. I'll be waiting. Well, I got in the jalopy and headed for Bettington Street to report to Mrs. Adams about the ring. She acted as though she'd been waiting for me and seemed almost cheerful. She was slipping on the jacket of a long-sleeved dress when she opened the door. Well, you certainly made a fast trip, Mr. Morgan. Sit over there, won't you? Thank you. Did you find the man who bought my husband's ring? Yes, it was Bug Spencer, the gambler, just as I thought. Did he confess to murdering Mark? Well, no. Bugs isn't the confessing type. Tell me, Mrs. Adams, why do you suppose your husband advertises the ring and the observer instead of in a paper that a more, well, conservative and possibly wealthier type of reader would buy? Well, I suppose he didn't want any of his friends to read it. But didn't you know that most banks subscribed to practically every newspaper published in the city? Legal and probate notices of great interest to bankers. Well, I don't believe I understand what you mean. I... Did... did someone stop out front? Yeah. Yeah, I think that's Lieutenant Bill Meggs of police headquarters. Lieutenant Meggs? Well, I'll let him in. He won't be coming in for a moment or two. He wants to pay a visit to the garage first. Garage? Yeah. He wants to check the tire prints he made in Mulholland Drive last night with the treads on your tires, Mrs. Adams. Tires on my car? That's right. You see, when you parked, you wanted to get close to the embankment so you wouldn't have too far to carry your husband's body. What? The right front wheel of your car was in the soft dirt off the pavement. No. No, you mustn't believe that. Dopedics are very clever and cunning, especially when they've had a shot. You must have had quite a jolt that night, Mrs. Adams. No, I didn't. Well, you can't believe that. I had everything I told you was true. Oh, yes, the story you told was true. Every word. Only you had the characters mixed. It's you who are the dope addict, Mrs. Adams. You who went to the sanitarium. You who pretended to be cured. You who sold your husband's ring because he'd give you no more money to buy dope. The ring wasn't on his hand when you viewed the body and you know it. He hadn't worn the ring for years. If he had, there'd be a mark on his finger, which there wasn't. How did it happen, Mrs. Adams? Did he catch you trying to steal the ring? Or did he find your supply of junk and wouldn't let you have any? Yes. He took it away from me. I had to have some. I had to. Mark had seen the ad I put in the observer. I got the gun out of the desk and I told him I'd kill him if he didn't give me some stuff. He refused. He said he was going to put me away again. So I... I shot him. I'm sorry, Mrs. Adams. Believe me, I am. Because now Mark isn't here to help you fight this thing. Hello, Bill. Come in. Sometimes a job of a newscaster isn't as pleasant as it might be.  Both Pappy and Carol were there looking cool and relaxed. Oh, hello there, Chuck. Backs us soon. What happened to your eye, Chuckie boy? I ran into a door. Was it open or closed? That's a typical question. Well, Pappy, I've got all the facts on the weather story. No kidding. How hot is it outside? 109. It hasn't been 109 since 1868. Five people have died of the heat, seven are prostrate and the man fried an egg and vine street this morning. Well, that's great, Chuck. Make a good story, don't you think, Carol? I can hardly wait to hear it. Oh, you just try hard enough and I imagine you can stand it, Glamour first. Well, I've got to get busy and bat this out of my typewriter. I'll devote the entire broadcast to one... You will not? Well, what's that, Pappy? All right, all right. We apologize. We shouldn't have made you mad. Now, how'd you know? No, no, why? Well, you'll have to rub it in, Chuck. Bill called and told us everything. We've been sitting here on pins and needles waiting for you to tell us how you knew it was Mrs. Adams who murdered her husband. Oh, that. So you've been sitting here in this nice, cool office all this time while I've been out in the sweltering heat. Oh, stop reminding us how you've suffered. What's the sweltering heat got to do with knowing about Mrs. Adams' guilt? Everything. It's sweltering hot outside. Mrs. Adams was wearing a black wool dress with long sleeves. Why? The woman in her right mind would wear such a dress in this heat. There had to be another reason. She wanted to cover up something. Marks made by a hypodermic needle. Well, shall I write the story on the heat, Pappy?


Hello, this is Professor Steven Esheva, and I'm going to help you out with doing calculations in spartan to calculate the to construct a molecular orbital diagram for the hydrogen molecule. So this is the figure that we're going to try to reproduce quantitatively, and what it's going to involve is calculating the the energy of a 1s orbital for a single hydrogen atom, and that's just the orbital energy, and then we're going to have another orbital energy for the this constructive interference orbital, that molecular orbital that resulted from the constructive interference of those two atomic orbitals, and we're also going to want this one up here, which is obviously the result of the destructive interference between two out of phase 1s orbitals. So that's that energy. So the three energies we want is this one right here, okay, and then this one here, and then this one here. So let's go ahead and get started. I'm going to start with the hydrogen atom. I've already calculated these guys previously, and so now all I really need to do is go to this thing called the orbital energies, and I'm looking at this thing on the left. There are two orbital energies. There are two orbits that it's going to be shown. I like to look at the mesh view. Here's a 1s orbital, and up here that's a 2s orbital, and about all we really care about for this this exercise is the 1s orbital. That's what we want, and to find the energy, it's minus 8.4. So that's the energy that's going to go right here, not zero, but minus 8.4, because that's the energy of a single hydrogen 1s orbital. How about for the H2? Well, I've already done this one too, so I'm just going to go to the results. Once again, we've got a couple of orbitals that we can look at, and so here is one that's obviously the result of constructive interference between two 1s orbitals on separated hydrogen atoms. Here's the one that resulted from destructive interference between those two. We're going to want both of these, so let's go back to this one. I can see that the energy is a minus 11.5. So that's the number down here, and that's where we want to position that height, minus 11.5, and now we get up to this one, that one that resulted from destructive interference. That's plus 2.7, so that's going to be the energy at that level up there. Now when you're drawing this, we'll want that drawn properly to scale, so perhaps every tick mark in your notebook could correspond to one EV, for example, and then you'll have it all properly to scale.


President Mohamed Abouhari will formally unveil the Nigerian Central Bank digital currency known as the E-NIRA on Monday. The director of corporate communications CBN Ocitta Wansinobi said, The launch of the E-NIRA is a combination of several years of research work by the Central Bank of Nigeria in advancing the boundaries of payment systems in order to make financial transactions easier and seamless for every stratum of society. CBN stated that it would continue to work with relevant partners to ensure a seamless process that would benefit every user, particularly those in the rural areas and the unbanked population.


Welcome. This is Melissa Armola Stux, which I'm here revealing at NKTR. I really like this gap today. Actually, this is setting up again for the afternoon right here. But it had a good move this morning and this was not an Ernie's gap. It was some kind of downgrade, I think. Anyways, let's take a look at it. So here it was, Monday morning very, very early, 5.14 in the morning, boom, boom, boom, dropped. Had quite a lot of volume here in the pre-market. I mean, it's not necessary to have as much, but it really did have a lot. And there's the gap. Stock closed the previous day and Friday night. Really had a big bar on Friday. High was 92.17. Close was 90.35. So a really big move here. Now, where did it open this morning? It opened way down at 62.27 and it opened on the 200 per moving average. For those of you who don't know where I have my, excuse me, lines, this red line is the 200 per removing average. So there you have it. A lot of people like to buy stocks on support on this line. However, I don't do that at all. You can't just buy every gap into support, just like you can't short every gap to resistance. However, this is what I do. I look at the gap. I find the gap. I rate it. If it rates according to my system, I take it to the director of the gap, whether it's up or down. In this case, it was a down gap. So it was a short. And this set up really fast today. Okay.  I'm just seeing this here now. It actually fell straight down, right into around 10.15. So you could have done this here, got out here for quick tree, could have done it here, fell in here, could have lower the stop, could have played it all the way down into 10. I mean, you could have done so many different things with it. But if you, for some reason, didn't get the play right out of the gate, I want to show you one quick one in here. We'll be going over this in the webinar tonight that's set up right in here. Boom, boom. This right in here doesn't look like much, but it is quite a lot. Do you see this in here? Boom, boom. And I sat in the room this morning, 52 was a real target in this broke 52. It did go to that number. I was absolutely right. And this move right in here doesn't look like much, but it's almost $3. It's almost $3 that happens literally in 15 minutes. You need on any given day or this year, if you did it early, this, this, this or this, all that you need is a move, you take the trade, you're up as soon as you take it, it goes into the move, you get out, take it, get out, take it, get out, take it, get out. That's how you make money day trading. It's very important to understand that this is not about trading and holding something all day. Things wiggle and jiggle, things move around. So this could set up again, it's trying to do it. It's not a good time to trade here. It's a crappy time to take any trades here around 1230. But this could make another second leg down sometime this afternoon, good volume of this spread has tightened up a lot. And I'll be reviewing this in the webinar tonight. Nice, nice scat. I'm going to talk about that tonight. And congratulations to everyone that did this today. Have a good day, everyone.


So what's happening with outriders? Will we ever see new content? Will this cycle of patches and fixes ever end? Well today guys, I bring you some inside information of what actually is happening behind the scenes at PCF. How's it going guys, my name is DPJ and if you enjoyed the video leave a like who helps out and if you like what you see and want to see more be sure to subscribe. So even if you are slightly interested or have ever been interested with outriders there is no doubt a question you have and that is will new content ever emerge for this game? Will we ever see a DLC? Or will it just be a cycle of patches to fix issues and buff old content? I mean it's fair enough to think like that, the game's been out somewhat five months plus now and we haven't heard a thing about new content in all that time. I mean fair enough it's still in reality early days but when the everyday player has been with this game its entire time it's actually quite a length to not hear of anything new in the works. Most people think that new content is being put to a side while they fix the game and that's fair to think. Well today guys, I bring you news. I don't know if it's good news or bad news but it's news on new content. So being a part of the outriders ambassador private discord devs get asked questions quite often and to be fair to them they answer to the best they can. So they had a question the other day which asked about new content and when will be seeing anything on it? The community manager answered saying the following. I think I've mentioned it a few times here but we've also hinted at it in the past on social channels. But yeah the team is working hard on outriders things that don't just involve these weak to weak patches. I've mentioned on Reddit too that we're working on some good quality of life upgrades too. However we'll only want to talk about those things when the overall game is in a position we want it to be in. That means good stability and no outstanding major bugs. Those things being worked on are in a good enough development position progress wise for us to be able to share when precisely they'll release. The announcement and introduction of such content would benefit the game and its hype campaign the most. To follow up, yes we could bear all and point out all the things that we're working on right now. That we're not just running a skeleton 2 man dev crew who are working on the patches as some would like to believe. But that PCF as a company is still employing its full raft of staff doing outriders related things. But the fact is to do that here and now wouldn't benefit us or outriders really. It might alleviate Prussia now but it would only lead to a buildup of that same Prussia in future when we don't share further details about those works. Outriders is currently undergoing a rebuilding phase. Not rebuilding from the ground up people, just basically ironing out the problems. Which anyone who is interested in has the opportunity to participate in terms of how we continue to shape our patches and what we look at for balancing. But this phase is not designed to retain a player base. That is a civilian task and to attempt to do so by showing things at war right now would only lead to hamstringing our hype assets in the future. On top of that we would likely get complaints and negatively fund players who don't understand that a team can do many things at the same time and who would accuse us of not investigating every single staff member into patches. If we weren't in a rebuilding stage I'd very much love to push more for roadmaps and early announcements of upcoming stuff and a like but this is unfortunately the hand we've been dealt so we're making the best of it that we can. Finally just a little nugget at the end. I think you will be surprised by quite how soon we'll be transitioning out of this current phase and yes we'll also be showing off new stuff soon but not in the immediate future. So yes guys too many people surprised there are more than two people working for PCF and new stuff is in the works they're just waiting to show it off. They want the game in a better shape before they do so and I said this age is a goal. This game needs to be perfect before they release new content and it seems to be the path they've decided to take and you really can't blame them for that. Release new content when this game isn't perfect will cause more problems than anything else. Release new information on new content while the game isn't perfect would lead to much more hate than they are getting now due to people thinking they should fix the game before trying to sell other stuff which in reality is the truth. So yeah guys for those who still play hold on tight as he says it will be a lot sooner than most people think so we will see guys and on that note the end of the video has arrived if you enjoyed it even a like really helps out if you're new and you want to see more outriders be sure to subscribe and if you never want to miss a video upload can turn notifications on by hitting that bell button but guys thanks as always for stopping by and hopefully I will see you on that next one