to open this morning with a parable about St. Francis of Assisi. St. Francis of Assisi is the patron saint of animals and when St. Francis was staying in a small village he learned of a wolf who was terrorizing the town eating all the wildlife as well as the people and the villagers became afraid to leave the town walls except to hunt the wolf. When St. Francis learned of the situation committed that God would protect him he ventured outside the city walls to encounter and communicate with the wolf. St. Francis explained to the wolf that he was terrorizing the people and asked him to make peace. He asked that the wolf harm them no more and vowed in return that the town's people would not harm the wolf. The wolf agreed by extending a paw and placing it in St. Francis's hand. The wolf followed St. Francis to the town where he negotiated the peace agreement. The townspeople seeing the wolf contrite agreed that if the wolf no longer harmed them they would feed the wolf and the pact was made. The wolf lived for two more years in peace among the townspeople going door to door receiving the food they had promised. When the wolf finally passed into spirit through old age the townspeople were sad because he had become one of them. The wolf was a reminder of the teaching of St. Francis that patience understanding and the communication with animals is the true virtue of God and that all creatures on earth human and animal are deserving of love compassion and understanding. What the wolf took with him was a lesson of love forgiveness and kindness and to quote St. Francis remember that when you leave this earth you can take with you nothing that you have received only what you have given. Okay as you were told I am an animal communicator a ranking master in a psychic medium and in my capacity as an animal communicator speaking with animals in spirit is one of my specialties. Now a lot of you may have had readings by from psychic mediums. There are some similarities and there are some differences. Some of the similarities are on the other side energy is energy is energy is energy. There is no gender there is no age and there is no species but when I raise my vibration and they lowered their vibration and we meet halfway in the middle they present themselves as they were in body so that the people that I'm reading for can recognize them and that's the same for animals and people across the board. There are differences however and to give you a little background on the differences first I want to tell you about an ancient Hawaiian philosophy called Huna and in Huna we consider that we have three selves much like many philosophies but we call them the ku, the lono and the kane or the almakua and the ku is the subconscious the lono is the conscious or the logical mind and the almakua or the kane is the higher self or the super conscious and I heard one person in lecture speak saying that animals don't have souls because they don't conceptualize God okay clearly I don't believe this. My response to this is that humans are very very lono-based they are very much in their conscious mind we are very much in our conscious minds and in that we spend years a lifetime maybe lifetimes learning how to empty our minds learning how to meditate learning how to let go learning how to connect with God. In my experience animals are already there animals are there naturally they are very ku-based they know how to be they just are I mean you guys I'm sure many of you have animals you watch your animals they just sit and don't you ever look at them and just go I wish I could just be in that body sometimes because they just are they are they are connected on an on a permanent level and they are I consider them to be on a higher spiritual plane now I know that this is a controversial view I believe that animals and humans can go back and forth between lifetimes in reincarnation but I think of animals as as being on a higher spiritual plane because they have that constant connection with source now another difference is that humans lives are very very large and very complicated we have we have friends we have found that we have co-workers we go and do this we do that and when I talk to people on the other side a lot of the evidence that I get it ends up being that the evidence is a lot of the message now there are certainly messages of love and it's not that I've never gotten high spiritual messages from people but you have to go through their ego since they're presenting themselves as they were in this life we have to go the human ego to get to them whereas animals their lives are very very small in in this carnation in their incarnations where they are I mean we are their entire lives many of them think of your cat you know they live inside your house that's their environment we are their family we are everything so when I talk to animals on the other side we there's certainly a lot of evidence and there's certainly the messages of love but when when I'm speaking with someone a pet mom or dad who is open to spiritual messages the spiritual messages that I can get from animals can be incredible on on just a very high grand scale and in that I'd like to share three stories of with you of animals that I've spoken with highlighting some of these messages because I I feel really blessed to be able to learn from these animals and now I feel blessed to be able to share them with you first I'm going to tell you three stories I'm going to tell you about cat's explanation of our soul's evolutionary journey I'm going to tell you about a flying squirrel's description of the importance of being connected with nature and I'm going to tell you about a horse's ancestral concern for her species but first I'm going to tell you about harpo harpo was a little kitty little cute little kitty he was only a year and a half when he passed very young yet when I first connected with him he immediately presented himself as a very wise soul certainly a teacher and when we got past the evidence we got some information some some loving messages for his mom on a personal level but he put his mom and I in a classroom he became very professorial when she when she asked about if he were coming back to her and he said that we were on the same spiritual level and that's why we could be in the same grade so to speak the same classroom and he talked about he said that yes he would see her but he didn't talk about lifetimes he said it's not about lifetimes together it's about shared experiences on the soul's evolutionary journey and he said that they will have many shared experiences together but in his words he said lifetimes are not the be all and all lifetimes are not the focus lifetimes are not the it lifetimes are just the experience along the it we have a greater soul evolutionary journey and our lifetimes are just the shared experiences and he said that he was honored to be able to share that life as short as it was um to share that experience with her but that he looked at it not as a lifetime but that shared experience he also went on to say that we humans need to start understanding that that our lives are so puny our that's the word he used puny the very very little they're tiny little lives our lives are so little in the great scheme of things he said it's layered it's the experience within the experience that is important it's the experience it's the experiences that we live in our lives the experiences like having them animals in our lives that we take and that will be the crux the genesis of the next experience and that and what that experience will be when you put them all together so he looked at it as these not just experiences in our lives but these experiences across lifetimes and um he gave the example of say you go on vacation and you meet somebody and you have a great time with them you go out to dinner and and maybe you go kayaking or whatever and then you have that choice to either keep that experience that shared experience of you in your memory banks and keep it and live with it and and enjoy that memory or you can exchange phone numbers with that person and become lifetime friends and this is how he related these shared experiences so when we when we repeat lifetimes with other souls it's kind of like trading the phone numbers um and we do that when we have strong soul contracts with other people now how many of you do you all know what soul contracts are how many of you know what a soul contract is okay so a few of you i'll briefly explain a soul contract is when we are on the other side in spirit we make agreements with other souls and other spirits on the other side that when we come into an incarnation into this life that we will meet each other and we will teach each other something okay that will be a soul contract but when and and he was this was the amazing part about this he was so professorial because when he finished talking about the shared experience he he this is exactly the way he said it he said now do either of you have any further questions on soul contracts or the soul's evolutionary journey and so his mom had some further questions on soul contracts and he explained that we have soul contracts with everyone large they could be large they can be small but they're with everyone and the example that he used was let's say you go shopping you have a soul contract with the person that you pay for your food it may be a very small soul contract it may be just pleasantries as you walk by or it may be a big soul contract you may say something to them that changes the way they think even though it's a one-time thing but he also said we have free will to change soul contracts and he made the example of let's say you go in and to that same person you have a soul contract with to buy a food but you walk out without paying for the food you've either stolen it or you've forgotten to pay or for some other reason and then that person goes let's say he goes running out after you and he falls and he breaks his leg and he loses his job and he becomes homeless or he falls and he breaks his leg and he loses his job and he goes on to find a wonderful job one way or the other you have changed that soul contract and Harpo talks about it as consequences he says every single decision we make with our free will has consequences every single thing every single person everything that we do is a soul contract it's just a matter of level it's just a matter of how we proceed to carry out that contract our free will is what we use to carry out that contract and so he asks that he asked us to recognize our experiences no matter how small or how large but that recognize that these contracts that we have with each other connects us all because that is that's why those consequences exist because we are all connected by those soul contracts now not only do soul contracts connect us with one another but boo boo our second story teaches us how animals view and connect with nature now boo boo is a flying squirrel and boo boo was eight months when he passed and he was domesticated his mom found him as a little baby he fell out of the tree and she did everything right she she found him she didn't touch him she waited two hours to see if his his biological mom would come back but she did she watched him and she didn't so she picked her up and she domesticated it and boo boo actually even lived in her glass she would he would crawl up her sleeve and in here and then he would crawl into her cleavage and then he would just live in her cleavage and she'd walk around the house to do the things he became her tree and um or she became history um he's and boo boo oh he boo boo was da bomb boo boo was all that he had such a dynamic personality he the first thing that he said to me when i talked to him he said we don't really fly he pauses and says but we jump really really good so he had a sense of humor he had a personality but his message it was i'll never forget it because he not only showed me through his eyes what it was look what it's like to be a woodland creature but he made me feel it now i'm a person who's i feel that i'm pretty connected with nature i have a healthy respect with nature but until i spoke with boo boo i never really understood to the level of being at one with nature that he expressed woodland creatures to me and he expressed it like this he said trees have souls too the bark has a soul the dirt has a soul the bugs have souls and while they can be individual they are not really individual souls they are collective souls because souls are energy and there is no dividing line between energy and he went on to talk about humans and how we are focused because of our lono focus because we are we are so separate we we pay things over and we separate ourselves from the outside world we separate ourselves from nature and he said we humans have to survive in building houses moving with cars that are so removed from nature because our very existence is completely removed with everything that we do he said humans are the only species on the planet that use up the planet to survive with whereas all other species survive with the planet and as i said the the most wonderful part of this was the fact that he expressed it through emotion and the idea of him being at one with nature and yet well boo boo reminds us that we are part of the earth lava lady in our last story is concerned about the ancestry and survival of her species now lava lady came to a woman who owns a horse sanctuary in a dream and she was asking for assistance the woman who owns a horse sanctuary asked for her name in the dream and she gave her the name lava lady she then went and researched this and she found two horses that were lava ladies she found one lava lady who is a racehorse in florida who is pregnant and currently for sale she found another lava lady who was a racehorse in the early part of the 20th century in the 1900s and most of what i talked spoke with was the lava lady in spirit because she was kind of taking care of the the one that was still alive and racehorses have have have a really difficult life and and she had as she said as i mentioned she had an ancestral concern for racehorses but and and the equine species as a whole but she said racehorses are a heightened example of it because from the outside because they're owned quote unquote owned by people of means by very wealthy people their physical needs are met they have nice coats they eat they have plenty enough to eat they live in these beautiful stalls they have beautiful pastors but what we as humans don't see from the outside is that their emotional needs needs are not met they may have trainers they may have people that come in and out and take care of them but they don't have that real emotional connection and she says that she's concerned because that's what's being lost she said she quotes i quote her quote her for horses as a species to survive and thrive we need to be heard think of where we came from and then she showed me a picture of horses running wild beautiful she says basically this doesn't exist in this space continuum anymore it's a very dismal time for so many of us because we live in such big bodies even those who do understand and love us it's different than the domestic animals you have where you sleep with your pets you eat with your pets and you live with your pets he says she said there are a few of us who are very lucky but relatively few she says i fear for the species breeding as it is done is breeding out the beauty of all of us the beauty of our true nature the the wildness of our true nature and she talks about animals becoming tools and brood mirrors are one of those things i mean think about how people would feel if if their babies were just taken away from them well horses are no different animals are no different they don't want their babies taken away from them but what law the lady says is that because it happens on the scale that it does especially with race horses is that brood mares that have babies are not even starting to emotionally connect with the babies so the babies themselves are not even learning how to have any emotional connection at all she says she says that horses are becoming emotionally void and becoming robots and when she contacted this woman at the horse sanctuary in the in the dream it was a plea for the work to get the word out to help people understand that they need to retain their ancestral nature but the upside of this is is that this woman who runs this sanctuary is more connected with horses than anybody i've ever met i know she has a lot of past lives as a horse um and she is fully committed to getting the word out and about the necessity of helping race horses and species retain their true nature from the horse's perspective because that's the important thing not about just horses but about animals as a whole when i speak with animals it's always from their perspective and they they really do have a unique perspective and they use that perspective to teach us that's why they come into our lives we have those soul contracts with them and they do teach us and we are connected with them and they and i'm going to reiterate st francis's quote remember that when you leave this earth you can take with you nothing that you have received only what you have given and nobody gives more than animals and we are so blessed to have them in our lives so i thank you guys for being here i really appreciate you being here today and thank you very much for having me


In this presentation, we will take a look at multiple choice questions related to inventory and cost flow. First question, methods of assigning cost to inventory include all except a specific identification, b retail method, c first and first out method, or FIFO method, d weighted average method, and e last in first out or LIFO method. So we'll read these through again, see if we can eliminate any of them. Question, methods of assigning cost to inventory include all except a specific identification. That is going to be an inventory method we typically will use. It's not going to be a flow method. It's going to be when we specifically identify the inventory, typically if there are large inventory or inventory that's different in nature from each other, non-hormogenous. B retail method. That, you know, it doesn't really, it doesn't really sound right to me. So let's see what else we got. C first in first out method. We know that that's going to be clearly a method that we would be using. So that will not be it. D weighted average method. That's clearly a method that is a flow method that belongs in the list here. E last in first out method. Also a method that we have dealt with here. So these should all sound very familiar. We spend a lot of time with that specific in this kind of section. This specific identification may be the one that you don't recognize quite as much, even though it might be the default that most people think about it. They're non dealing with accounting and that would be the one because we specifically identify the inventory that we sold. Retail method isn't one of the ones that we typically are dealing with in terms of flow methods. So that's going to be the one. So the answer B one more time. Methods assigning cost to inventory include all except B retail method. Next one. Next question. Understanding ending understating ending inventory will cause a an understatement of assets and equity B an understatement of assets and overstatement of equity C an overstatement of assets and understatement of equity D an overstatement of assets and equity E immaterial difference. Once again we'll go through this and see if we can eliminate some of the options. Understanding understating ending inventory will cause. Now one way to think about this is might be right down the accounting equation. We could say assets equal liabilities plus equity. And we're saying that if we're understating ending inventory, we understated the assets. So those are too low. Now if the accounting equation is to remain in balance and this side went down, something over here liabilities or equity must have going down. And typically the thing that would be going down on the other side is going to be the equity would go down. Because we're talking about an asset of inventory the related account being cost of goods sold. And that's going to be, you know, the difference that's going to be causing the equity to be decreasing. So if we go through these, these, this is one of those types of questions that you're going to get kind of mixed up unless you go through the thought process first and kind of then pick out the one that it's along with your thought process. So a an understatement of assets and equity. And that's that's basically what we have here assets would be clearly understated. So we know that's the case because inventory, it says inventories is being is understated. So we know that's an asset and assets are understated. The only question is what the other side is and equity seems more reasonable than liabilities. And it must be going down in order for the accounting equation to remain in balance. So I'm going to think it's it's a go through the rest of them be an understatement of assets and overstatement of equity. Again, this one seems right. But the overstatement of equity would mean that we're out of balance. If assets are understated and equities overstated, then we wouldn't be in balance. And C says an overstatement of assets and an understatement of equity. So so once again, the the overstatement of assets, it said right here that it was an understatement of inventory. So it wouldn't be an overstatement of the asset. And then D says an overstatement of assets and equity. Again, we can eliminate that because the overstatement of assets, it's not because ending inventory is understated and it's an asset. And he says immaterial difference, which maybe depends how much it was out of balance by. So that's kind of so it's going to be a here. So we're going to say a question. Once again, understate understating ending inventory will cause a an understatement of assets and equity. Next question. Understating the beginning inventory will cause a cost of good soul to be overstated and net income to be understated. B cost of good sold to be understated and net income to be overstated. C cost of good soul to be understated and net income to be understated. D revenue to be overstated and net income to be understated and E revenue to be overstated and net income to be correct. Okay, so this one note what we have here. We can't do this really with the accounting equation because both everything in the answer deals with the income statement deals with the equity side. So it's all within equities. So what we could deal with here is we're talking about inventory, the cost of good sold equation might help us out to think this through. So and this is the only real way to do this because these if you don't have any idea and you read through these these things will just you know keep you going the wrong way. Have your mind spinning or at least it does for me. So if you wanted to think through this we'd have to say the beginning inventory is the cost of good sold equation plus purchases plus purchases gives us goods available for sale minus ending inventory and that gives us the cost of goods sold. So what we're saying here is that understating the beginning inventory, beginning inventory is understated what's going to be the effect on the rest of this equation. So if beginning inventory is too low lower than actual and we add it to the purchases that happen that's what we have available for sale it being too low and then we subtract that out the cost of good sold then the cost of good sold too would be too low. So we'd have to say cost of good sold is too low. Now the other thing there that we know if is the cost of good sold is low we know that net income is calculated as revenue minus expenses including cost of good sold. So now we're going to say that cost of good sold included is an expense and it's too low so that would mean that revenue is going to be too high or net income is going to be too high. So let's think through that one more time and these can get easy to get mixed up on this cost of good sold we're saying understating the beginning inventory beginning inventory is too low beginning inventory plus purchases gives us cost of good gives us cost of goods available for sale and it's too low if we subtract out ending inventory from that then the cost of good sold is going to be understated. If cost of good sold is understated then we can say well what's going to be the impact on net income well revenue minus expenses cost of good sold being an expense is net income revenue is what it is net expenses is too low because it's cost of good sold is too low and therefore net income will be too high so net income will be too high. So if we go through these then A says cost of good sold will be overstated and net income will be understated. Now that's backwards we think cost of good sold will be understated and net income will be over so I don't think it's that one B says cost of good sold will be understated and that looks good and net income will be overstated so that looks like the one that we're looking at here C says cost of good sold will be understated that looks right and net income will be understated we think net income will be overstated so that's why that one's not it D says revenue to be overstated and revenue isn't really involved here because we're talking about inventory which means we're talking about the cost of good sold calculation and and and so revenue is not really a factor so we can pretty much eliminate D and E because they're talking revenue so B is the answer here we're once again understating the beginning inventory will cause B cost of good sold to be understated and net income to be overstated next problem understating ending inventory will cause A cost of good sold to be overstated and net income to be understated B cost of good sold to be overstated and net income to be overstated C cost of good sold to be understated and net income to be understated D revenue to be understated and net income to be overstated and E revenue to be overstated and net income to be correct so we can go through this again note that we're We're talking about pretty much all income statement accounts here again. Cost of goods sold and net income. So we can use our cost of goods sold, calculation cost of goods sold, which is beginning inventory plus purchases gives us good available for sale minus ending inventory will give us cost of goods sold. And so what we're saying now is there's understating ending inventory. So ending inventory is too low. So that means that purchases beginning inventory plus purchases is what it is minus an ending inventory that is too low, causing cost of goods sold to be too high. So cost of goods sold would be too high. And then if we if we look at net income, which is revenue minus expenses, cost of goods sold being an expense, and therefore being too high, given our last scenario, that's a terrible arrow, given what we said last time is too high. So that means that this net income will be too low. So once again, beginning inventory plus purchases minus a ending inventory that is too low results in cost of goods sold being too high. Cost of goods sold being an expense results in net income calculated as revenue minus expenses, including cost of goods sold, which is too high net income to be too low. So if we go through these then a cost of goods sold to be overstated and net income to be understated. That looks like what we have here. Let's read through the rest of them though. The cost of goods sold to be overstated, it looks right and net income to be overstated. So that looks incorrect. C says cost of goods sold to be understated, that's not right. And net income to be understated. Net income to be understated cost of goods sold cost of goods sold to be so yes cost sold is overstated and D revenue to be understated and that's dealing with revenue and again we're not really dealing with revenue this looks almost exactly the same as a might be the same problem so I don't think it's either of these two so that means that understating ending inventory will cause a cost of goods sold to be overstated and net income to be understated next question because an error in the in the period in inventory causes an offsetting error in the next period a it's not a problem b it is a timing difference c immaterial to decision making d affects only the income statement or he affects only the balance sheet so once again we'll read it off and see if we can eliminate some options because an error is the period in inventory causes an offsetting error in the next period so I think that should be an error in in period ending inventory is causing an offsetting error in the next period meaning when we have an error in one period it typically will cause a reversing or an opposite direction error in the other period if we look at the two time periods the entire period like if it's years the two-year period it would even itself out and so that's going to be the idea so one is it not a problem and you might think that it first I say well it's gonna even itself out after two years that might not be a problem and after the two-year period it may not but it does cause comparability differences when you try to compare those years because if you try to compare one year to the other and you have a significant difference even if it's a timing difference it could cause distortion in that comparison so it's still it's still a problem be be it is a timing difference that sounds it could possibly be called a timing difference let's look at the rest see a material to decision-making and it could be material again you could think well if it's going to reverse itself it's not material but if it's significant within those two time periods we don't have a good comparison so it could be material to the decision-making within those two periods once we're well past that time period then maybe it's not that significant anymore it's in the past and it's corrected itself it's okay after a certain point in time but it when we're reading those financial statements it would be it could be a material depending on the the dollar amount to the effects only the income statement and it doesn't affect only the income statement tip it's gonna have affect both the income statement and the balance sheet because it'll have cost a good sold and inventory inventory and asset cost good sold and expense inventory on the balance sheet cost good sold on the income statement so it's not that affects only the balance sheet again which same reason it's not that because it affects them both so B is going to be the answer here once again question because an error in the period and ending because an error in the period and inventory causes an offsetting error in the next period B it's a timing difference and that's just one way we can phrase this we can say it's an offsetting difference as well meaning it will work itself out the difference will reverse itself over time but can still be a problem


An indigenous of Cuara-South sanitary districts in Cuara state have raised concerns over a continued marginalization of its district, educationally by sighting and concentrating major higher institutions of learning by state and federal government, only in the state capital and Cuara-North district of the states, ignoring the south. The secretary general of a sociocultural group, Cuara-South Consultative Forum, Daramola Simon, gave the hint during a press conference in Elori, the state capital. As I said, there are mainly higher institutions of learning in Elori in the Cuara state capital, both public and privately owned. The state currently has three colleges of education, both but plans are underway by the state government to convert one such into a university of education with a view to giving a modern touch to teachers' education in the state. As it is now, Cuara-South is the only one among the three sanitary districts without a full-fledged government-owned university. Cuara state university malete is in Cuara-North. We see this as nothing more than greed and selfishness. Presently, the following government-owned tertiary institutions are located in Elori, Cuara state polytechnic, College of Education, College of Arabic and Islamic Studies, University of Elori, Cuasu campuses, Cuara state university teaching hospital, School of Nursing. The demands of IDPU, if allowed to stay, will not only enjoy our unity, but also stall every effort at engineering, even spread of development across the state. The name of the University of Elori in Elori in bracket after the founder of Alimi Dynasty. This is a highly provocative suggestion, which is indifferent to the diversity and divergent history of other ethnic groups in Cuara state. The fact that the university is located in Elori does not confer ownership on the city. The privilege of being the host community should not be misconstrued to mean exclusive either. It will therefore be unjust and unreasonable to impose a name that does not have a statewide spread on our collective inheritance. The group however calls on the state government to tread softly because university business is highly capital intensive and for proper funding it requires. We are however constrained to advise the state government to be cautious about this. With Cuasu in place and the proposed University of Education, the government should tread softly because university business is highly capital intensive and for proper funding it requires careful planning. But whenever government decides to establish the university it should certainly not be in Elori again.


It was hot boiling hot that night. I wanted to grab a beer and turn in early So what happens I get my beer, but with it comes a gunshot a beautiful woman in trouble and murder From the pen of Raymond Chandler outstanding author of crime mystery CBS presents his most famous character brought to you now in the adventures of Philip Marlowe With Gerald Moore starred as Philip Marlowe, we bring you tonight's unusual story red wind There was a rough desert wind blowing into Los Angeles that evening It was one of those hot dry Santa Anna's that come down through the mountain passes and curl your hair And make your nerves jump and your skin itch On nights like that every booze party ends in a fight and meek little housewives feel the edge of a carving knife and Study their husband's necks Anything can happen when the Santa Anna blows in from the desert. I closed up my office early I got tired of reading Philip Marlowe private investigator backwards on the ground glass of my office door So I locked up and decided a nice cold beer would taste good before I went up to my apartment They're up again. Mr. Marlin Marlowe Marlin's a fish Yeah, I know Marlin's also the name of a lady on the radio Marlin comma Mary the story of yeah, my wife listens to it Yeah, good for her Yeah, that drunk again, what do you expect in this business autograph hounds? Be right with your sport gotta draw this man a beer Crying out loud these stumble bums Hey, but you got another customer back us. Hey, but you're seeing a lady in here lately Lady a tall good-looking brown hair a print bolero jacket on a blue silk dress. No, sir. No, sir Nobody like that spin in all right straight scotch fast. Yes, sir As the man drank I noticed the drunk was grinning at him and then without changing his grin the drunk swept a gun from somewhere so fast It was just a blur coming out Made a couple of hard snaps You other guys don't move So long Waldo don't move you too Cool, Waldo. I bet I made his nose bleed So long boys Get on the phone kid. I'll get his license number.  He's dead. All right. Oh guy was using a 22 target pistol when they use that kind of gun They don't make mistakes. Where's your phone? This is for the police Proud car boys were there in five minutes. All I was out of business. All right Nothing in his pockets told who he was but he had about $700 on him with that kind of heavy coin you can buy a good 1910 automobile even today Well, I told the cops what I knew including about Waldo's brown-haired pretty girl in the Bolero jacket It was about nine o'clock when I stepped out of the elevator in my apartment house And almost walked right into a brown-haired pretty girl in a Bolero jacket Waiting for the elevator on my floor Just a minute lady. What is it? I'm a great admirer of Bolero jackets. I'll take the one you've got on for instance I'm sorry, but I'm gonna hurry no no no wait if you'll be good enough to let me buy. Oh, you've made me miss the elevator It's just as well What? Well, it's better. You don't go out in those clothes Just what do you mean? It's all good-looking. Well, they're all jacket blue silk dress Lady might I take the trouble of telling you that you're in trouble? Trouble and the cops are looking for you in those clothes. I haven't done anything Maybe not but if I were you I'd have a little talk with me 41 across the hall. I know things about you Well, good girl. Come along It took a firm grip on her arm, but I managed to get her to my room. I rustled up some drinks, but when I turned to give her hers I Saw she held a small automatic She looked at me steadily. I Put down both glasses slowly so I wouldn't be misunderstood Look sister.  Don't move. Oh, I'm strictly frozen in my tracks Stay that way. Okay. Okay Wouldn't you like to know that I'm a private detective? Private detective I can prove it if you'll let me That's better. Yeah, I don't like those things pointed at me I'll have that drink. Oh good. I don't often give good liquor away like this. I can't afford it Why are they after me? Well, a man was just shot in a bar down the street Before he got it even asking you about a tall pretty girl with a bolero jacket What did he look like? This man I was tall about 511 Slim dark dark brown eyes with a lot of glitter Dark suit white handkerchief in the breast pocket And he must have seen you earlier tonight to know how you were dressed by getting anywhere He used to be my My chauffeur had an appointment with him didn't you he asked for you didn't he? Yes, I had an appointment with him He'd stolen something from me when he left three days ago. I was going to buy it back from him Why didn't you tell the police? I couldn't tell It was valuable wasn't it valuable enough for Waldo to steal $15,000 peanuts But it wasn't the value You see it meant something to me Man, I love gave it to me Now he's dead The shot down over Germany.  This late at night It's a very important man The hydroelectric engineer never mind about him. What about Waldo? Why was he knocked off? mean he's dead Waldo is dead. Yes, sister.  There's a dressing room behind the door. Hide there take your glass with you.   What did Waldo do to you? Who's asking just making conversation? He still don't me on a bank job. We did together got me four years in Michigan Penn How is he dead? Hmm Well, I'm still good drunk or sober Tell me why I came here pal. You heard the bar keeping me talking. I told him my name and where I lived That's how I said why skip it a hangman won't ask you to guess why he's there You're pretty tough at that But you're slamming off All right, but Could you get that gun out of my neck and try somewhere else just any place? This better This suits y'all, right? It just so it isn't my neck Say when pal It's your party I leaned against the gun weekly Or the dressing room showed a crack of darkness the crack widened I began to shake a little in spite of the heat Girl came quietly into the room, but there was white all around her irises. She was scared She had a gun in her hand, but I was sorry for it dead. Sorry She tried to make the door a scream either way it would be curtains for both of us Scared mister Worried about any little thing I couldn't talk The girl floated in the air somewhere behind ballie The horrified face was drifting tortoise My mouth was as cold and dry as yesterday's toast Well kid, how's it feel? You ready yet? Say the word don't take all night about it if you're gonna do something about it do it Why not pal? I like this suppose I yell Go ahead Yeah Thanks sister Advise me Everything I have is yours now and forever They did flatter me no end lady.  You don't need it in this kind of weather Okay See you again Why I don't know We might have be the rival of a dead flyer and things like that No, I second thought forget the whole thing I'll see that the police get Jesse James here Good night, lady You mean me. Yes, please.  I want to talk to her. You want to know what happened at headquarters? Yes I went down to headquarters with the law and gave him the story. I left you out of it You saved my life so no one knows anything about you incidentally neither do I My name is Mrs. Frank Bartholomew 212 Fremont Place Olympia 2 4 5 9 6 That was your one.  I Wanted my pearls. Oh, no pearls too. Yes All right, tell me about the pearls We've had a murder a beautiful mystery woman and this sadistic killer and an heroic rescue now. We will have pearls I risked to buy them back from the man called Waldo and I saw everything that came out of his pockets They weren't any pearls Could they be hidden in his apartment? It's possible Waldo lived on the same floor you do in this apartment Why didn't I know him at least by sight? Well, he just moved in last week Managed to get a sublet sort of amateur magician on the side, huh? it's Getting out of late. Yeah What about your husband this hot mysterious night? Still at his meeting I didn't have any answers We just sat there looking at one another I was suddenly aware of the hot desert wind starting at the night. I Took hold of her and I kissed her She sat very still I Was shaking when I let go of her a Voice trembled a little when she spoke. I meant you to do that. I wasn't always this way Only since Johnny Dalmas was killed in the war He gave me those pearls 41 of them the Diamond Propeller class I'd have loved them if they wouldn't be it's because he gave them to me I love Johnny Well, you'd love just one time Understand that yes, I can But I don't understand is how you could explain a $15,000 pearl necklace to your husband Only my limitation That I bought them myself. How did Waldo latch out of them and what they stood for? When my husband was in Argentina Waldo and I would go for long drives. I was restless and wretched because of Johnny Sometimes Waldo and I had a little drink together But that was all but you can fight it in Waldo about those pearls and when your husband came back Waldo stole the pearls and I were to sell them back to you tell Papa Now you think the pearls are upstairs in Waldo's apartment. I Suppose a lot I've been paid Now go look wait here Was I gone long? Well, no No pearls no pearls It was a man in Waldo's room man, you know a guy named Leon Vela Sanos Mexican South American about 45 small iron gray hair very neat Fawn colored suit wine colored tie. No, I don't think I know such a man You say he was in the room. Yeah, what did he say? very little in fact nothing He was dead You are listening to the adventures of Philip Barlow created by one of America's most outstanding writers of crime and mystery fiction Raymond Chandler our story for today the red wind continues in just a moment But first a message of interest for all young men How would you like to be up there in the wild blue sky flying America's mightiest bombers fastest fighters in newest jet jobs? Believe me It's a great feeling to know that you have the skill the courage it takes to become a pilot officer in the United States Air Force the Air Force that's second to none Keep your eye on the local newspapers and your nearest Army Air Force recruiting station an Aviation cadet recruiting team will be in your community soon If you're between the ages of 20 and 26 and a half years of age single and a high school graduate Plan to see the aviation cadet interviewing team if you pass the metal and physical examination You'll be accepted for the 52-week aviation cadet training program when you graduate You'll be a second lieutenant in the US Air Force the mightiest of all And now back to the adventures of Philip Marlowe with Gerald Bores our star we continue today's adventure I Sat with Lola Barcelli in a car listening to the hot wind gallop around in the midnight streets I just told her about the lap and looking man. I'd found in Waldo's room in a very dead condition. I Held her hands until they stopped trembling and then I gave her the few remaining details He had a gun in a shoulder holster, but someone had strangled him before he could set up in business with a gun someone Maybe You see that convertible coupe two cars ahead of us Oh, it's been there for hours there before I parked here to wait for you Leon the guy in Waldo's room came in that car But according to the key container he carried it isn't his car whose car is Does it matter that belongs to a lady according to the tag on the car keys? Eugenie Colchenko West Los Angeles You better go home now What are you gonna do drive that flussy convertible around and wave at my friends Impressed people you run along now me. I've got another date Yes, what is it please miss Eugenie Colchenko? Yes, what is it? Did you lose or misplace a pigeon-grey convertible coupé? What are you saying? Don't be alarmed. I found it brought it home to you Come in, please It is a reward you wish shall we snap out of a dragon lady. Who was he?  Who was he? Oh, no, no Darling darling come here, please Who is this man? I came about miss Colchenko's car. What about a car? Well gentlemen who borrowed it couldn't return it on a kind of he isn't alive.  That's putting it more bluntly of course dead. Yeah completely. Who are you Phillip Marlowe private investigator my card Have you told the police yet? Never do it once what can be profitably deferred pending negotiation. He's up. I might negotiate Peachy just what do you know Marlon? Well a man named of Waldo was shot in a bar tonight I happen to have the inside as to who he was and when I visited his apartment tonight I found this Leon Velozano's dead. He wouldn't have had $500 and 20s on him, would he? No But this Waldo had over $700 on him when he was killed in that cocktail bar mostly in 20s Is there a basis for negotiation yet? Very well, Marlon There were certain bills for some stuff miss Colchenko here had charged to my account But darling you told me I might charge to your account. All right my dear so I wasn't bright That might be the understatement of a decade, but go on I had the bills safely in my briefcase Somehow there's Waldo had a chance to steal the briefcase I hired Leon gave him $500 to buy back those bills from Waldo instead Waldo took Leon's coupons was forced to kill Leon in the process Anyone out to keep another date and walked into an old pal hostile enough to blow him down And somebody still has those bills and I'm in front of war Hmm a man who shot Waldo got away in Waldo's car with your briefcase, and it could be cops caught him And the police have the briefcase maybe But the police are interested in solving crimes not in tossing mud for the benefit of sensation eaters Have a friend or two at headquarters. Let me see what I can do. It's worth $500 to me Marlon, then that's what it'll cost you Good luck, and thank you mr. Marlowe Philip Marlowe remember my name is Frank Barclay Wasling oh And just what is that the big hydroelectric engineer? Yeah, yes, how'd you know never mind may I use your telephone? Someday I must tell you about Ibarra. Now. He's a solider here at Ibarra detective lieutenant over at Central homicide Well, I phoned Ibarra from Miss Colchenko's house and told him where he could find a well-dressed cadaver named Leon and Furnished a few small details. I Gave Ibarra time to check my tip, and then I went down to see the good lieutenant And told him why I'd been up in Waldo's room only to find Leon instead of a certain lady's string of pearls Pearls ain't yeah, I thought Waldo might have had them up there whose pearls were they a lady's go on Oh, they might have been in Waldo's car that Waldo's killer drove away in yeah What yeah, they might have yeah Also a batch of bills charged to the account of a certain Frank Bossily yeah Police aren't interested in domestic scandal. They want to prevent or solve crimes, right? So so I've got $500 for the police fund If those pearls and those bills are returned to their rightful owners quit your kidding. It's a valuable necklace. Yeah There's your necklace take it away on the level Ibarra. Just tell me straight what it's all about all I ask sure sure When you see this Waldo was blackmailing a wife with the pearls and her husband with the bills Bossily, that's the guy's name sent Leon to get the bills from Waldo Waldo killed him and then stepped out and got nailed by that guy in the bar. He'd stool pigeoned against once Well, it boss Lee's name stays out of the papers. I get 500 bucks. It goes to the police fund. Thanks We'll keep them out. I'm not in this case for money I just want to get back the bills and the pearls sure and like you say Marlowe the police aren't in business to sling mud Look you can deliver the pearls of the lady yourself if you like No, you better take them to a Marlowe. You see except for that diamond propeller clasp on them They're phony phony, but look Marlowe. I know pearls real pearls feel gritty between the teeth These are hard and glassy Try Yeah They're phony all but the class Marlowe all but the class I took the pearls and had them appraise the next morning at a guilty edge place in Beverly Hills Phony all but the class An imitation as good as these couldn't have been made that fast These were the pearls at Waldo. It's stolen. I took the glass pearls to a dive on Melrose and had them duplicated for $20 I had the jeweler attached the diamond clasp for the $20 duplicate string of pearls And I called up Lola Hello, Lola, okay, you're in Have a string of pearls for you Wait a minute wait a minute Lola All I was getting set to jib you we sold the real pearls and made up a string with the diamond clasp Sure Meet me at four at Nick lives Hey, Lola, these are the pearls the police found in Waldo's car. You're right. They're not my pearls. I'm sorry Lola No Still have the clasp Johnny gave me Well, I'm happy if you were happy No, not quite happy See this morning my husband told me we're to separate. No, I'm very sorry Lola You've been very kind. That's all right This is Goodbye, I suppose Yeah You'll never get over Johnny Thomas Goodbye Lola, and if anybody ever bothers you again, let me know Name's Marlowe Philip Marlowe I'll remember Philip Marlowe I drove almost to Malibu And then I parked Then I walked Way out on a rock cliff jutting into the Pacific Ocean Then I reached into my pocket Dug out the string of bohemian glass pearls Latenity borough had found in Waldo's car I cut the knot at one end and slipped the pearls off one by one One by one I flipped them into the water Should have seen the gulls swoop down on them Then they flapped up again screaming indignantly Phony pearls They'd fooled Waldo and Lola Barcelli They couldn't fool a seagull. I Said aloud To the memory of Johnny Delmas Just another foreflushing. I listened a while to the wheeling seagulls All at once I realized that the wind had died The Santa Ana had blown itself out The red wind was done. It was over. It was cool again The adventures of Philip Marlowe created by Raymond Chandler stars Gerald Moore and is produced and directed by Norman McDonnell In tonight's story red wind Lola was played by Peggy Weber and Barry Kroger was Baldy Joan Banks played Eugenie Colchenco Jeff Corey was Ltd. Bara Parley Bear was Barcelli Lou Krugman was Waldo and Wilms Herbert played the bartender The special music was conceived and conducted by Ivan Dittmars Philip Marlowe will be back in just a moment young man be a marine Combined travel adventure and education at no expense to yourself When you're a marine you can travel to the far places of the earth and carry on at the same time your own educational program through free Marine Corps Institute correspondence courses You have plenty of courses to choose from and an ideal way of studying Geography or history is to take a course dealing with a background of the area in which you are stationed or any of the more than 160 Marine Corps Institute courses Thanks to this Marine Corps Institute Thousands of Marines are making continual educational Advancements during their service in the US Marine Corps that opportunity upon becoming a US Marine is yours for the asking Check with your nearest Marine Corps recruiting office tomorrow for complete information Next week at the same time be sure to tune in for another adventure of Philip Marlowe when Marlowe says I Was low very low the night I set out searching for the girl with the strange hazel eyes The fog which hung over Los Angeles didn't help I Felt even worse when I found it But by then I had death on my hands If you like your laughs mingled with spicy music be around tomorrow to hear the premiere of Alka Seltzer time Featuring Herb Schreiner and Raymond Scott's quintet. There'll be guest stars, too Here's a show that's guaranteed to keep Monday from being blue It's coming your way Mondays through Fridays over most of these CBS stations So consult your local newspaper for the time of Alka Seltzer time This is Roy Rowan speaking for CBS the Columbia broadcasting system You


Well, hi there, it's Sandy with more of the 24 Tags of Christmas 2020. And this time we're going to be doing some colored pencil tags with penguins from MFT Stamps. And I'm going to use the Instant Photo Frames dies from Ellen Hudson to make the frame of the tag. I cut them out, drew in little pencil lines so I would know where the border is and stamped the images. And I'm doing this on Stonehenge drawing paper. Love the texture of this stuff. And just using some colored pencils, you can use any brand you want. And I'm going to just run around and color all of them in a relatively quick fashion. I'm not going to get into major scenes or anything because they're tags. I think I've said that before this week. They're not like rocket science artworks that anybody's going to keep forever. But this is another one of those ideas where you can coordinate this with the wrapping paper that you're using this year because I love to coordinate the whole wrapping paper thing. I think it looks kind of cool. And it also serves as a great reminder to know when my gift is coming up when I see somebody holding a package with my wrapping paper in it. And I am a bear of very little brain. So if I use multiple wrapping papers, I often forget, oh, that was the gift that I gave you. There you go. And for each one of these, I'm using a gray and a black pencil to color the black portion of each penguin and then putting a little bit of gray shading. You can even get away without the gray shading on the bellies and stuff. Not really get into that much detail, but it depends on you and how much time you have. I kind of like to practice my pencil work on something like this knowing that it doesn't matter a whole lot since the tags generally do get tossed by the recipients. I save my tags, but I know a lot of people don't. And that's just how it goes because people are just too excited to rip open the gift and see what Santa Claus brought them. And for each one of these, then I'm picking an accent color and a background color. And you can, of course, switch that up. You can trade them off as you're coloring all these. But I'm going to do the same ones. The red is going to be the accent color. And I'm making sure each one of them has a little pop of red of some sort because it made sense since I have some Santa Claus hats that they should have a little bit of red in them. Notice that this little guy in the bottom right is not sitting flat and straight. So don't feel like on something like this that you have to make everything straight either because they're just going to be little tags and it's going to be peeking through the little square in the tag frame anyway. So be totally fine.  And then my background color, I'm going to choose to use a blue-green color. But again, coordinate it with your wrapping paper. If you've got, you know, green and red in yours, make it a green background. Why not? Or if you're using purple wrapping paper, use purple in the background. And I'm just making it nice, flat color. You can choose whether you want to do fancy blending on these or if you just want to keep it really simple. I'm going to use some blending solution for mine and a blending stump. I'm using some baby oil. I put mine in a little container that has a lid on it and I put a cotton ball inside so that if I knock it over because I am famous for knocking things over in my studio, then at least it means that I won't spill it everywhere because it's kind of stuck into the cotton ball itself. And you can blend just some of these colors. You don't have to blend all of them, but I usually work from lightest to darkest. So I've got the other colors blended and the black is last so that then I can clean my blending stump off at the end after it's all finished. And of course, because it's me, there has to be snow added, but you can skip that step and just put them into whatever frames you're going to use. A little photo frames are going to be perfect for these because they're really tiny. I don't have to spend a whole lot of time doing a huge tag with a big background on it. You can just add a little bit of pop of color into each one of these and then put a ribbon on them. I've added a square of card stock behind so that I could glue the ribbon in between the card stock and the frame itself. So there you go. That is my finished little set of tags. Leave a comment here on this video as well as over on my blog for a chance to win because you know you want to win. And I'll see you again tomorrow with the last set of tags.


Good evening, and welcome to episode 400 of the Private Property Podcast. I'm your host, Usaman Doha, Khomeilo. It's the Wednesday edition of the Private Property Podcast, and if you're joining us for the first time, welcome to the family. You're tuned in to the only daily property show in South Africa, catering to your property needs. And to all our regular viewers, welcome to it, you know how we do. Every single weekday, you and I have an appointment at 7pm, we're always in conversation with the property expert who helps us with our property journey. And it doesn't matter where you are in your journey, whether you're looking to build, to buy, to sell, or of course, looking to, you know, rent or you are attending yourself. This is a show that makes sure that you have the best information, tools and insights to make better property decisions. Now it is a milestone episode, 400 episodes into the show. I was actually having a conversation with somebody earlier saying, I don't know of a local podcast that has reached 400 episodes. I could be mistaken. There certainly isn't a property podcast on the continent that has 400 episodes. So certainly, I'm quite excited for reaching that huge milestone. And of course, couldn't have done it without you at home. So thank you very much for walking this journey, always engaging us on our social media platforms and of course, sharing the love, making the property circle bigger and bigger. And talking about the social media platforms and the love that you keep sharing, you are, of course, aware of the incredible competition that we're running on our social media page, particularly on the Facebook page, where we're giving away 500 rounds in cash every single evening. And all you have to do to stand a chance of walking away with that cash prize is to tune into the show every single weekday. Make sure that you've commented on the pinned post on our Facebook page, where we want to find out from you some of the great property insights advice that you've picked up while watching the show. And of course, any that you've also used. And if we call you in, we need to drop us a message in order to clean your prize. In the event that we don't have somebody who claims their prize while the show is live, we have a roll over to the following day. And that's precisely what happened yesterday. So we've got a thousand rounds in the money bag this evening. And I think I might actually add an additional prize. It's 400 episodes in. I hope the team doesn't kill me on this one. I think I might just add a prize. And the price might be the property guide, a copy of the property guide, which is a book, of course, that private property has purchased. And all you need to do to stand a chance of walking away with that copy is, of course, send a comment or question this evening during this show. And we'll choose the lucky winner at the end of the show. It's that easy. I know the team didn't know about this. I hope that they do not kill me. I'll pick the lucky winner at the end of the show. So engage with us as much as possible on the Facebook page right now as you're watching the show, send those comments as we are in conversation this evening on episode 400. Now, one of the other great things, of course, is that I'm never, ever, ever alone. It is a Wednesday, so late this evening, you can catch Isti Klaassen on the first time home buyers show, which he's always in conversation with people who've not only walked their first time home buying journey, but have gone on to grow their property portfolios from string to string. Every Tuesdays and Thursdays, you can catch him by Linoa, got on the farming podcast, where she tackles all things agriculture and every Mondays and Fridays, Chad Brissie, the home shopper show, where he takes you through incredible properties that you can find on www.privateproperty.co.za. Well, those are great shows that you can look forward to every single weekday at 8 p.m. right here across private properties social media pages. And as usual, we will be announcing the lucky winner halfway through the show. But because it's episode 400, we're also going to give away the property guide. I know that the team doesn't know about this one. So all you have to do with that is, of course, ask a question this evening or send your comments. And I think one of the things that I want to probably find out from you as you send your comments is when was the first time you watched the show? You know, if you remember what the episode was about and perhaps some of the key things that you picked up from that. We'll see which comments come out, which are great. And I'll choose a winner at the end of the show. Well, to kick start our conversation this evening, I'm very excited with it. It's a Wednesday. And so, of course, do you have somebody from the Apsa home lose team? This is going to be looking at the impact, the importance and the impact of property investment. Talk about this, you know, so often. But of course, we want to look at why it's important. But also the fundamental impact that investing in property has, not just for the investor, but also for the people who ultimately ultimately end up living there. And I'm joined by Miguel Martins, a portfolio head for investors at Apsa home lose, as well as Andrew Walker, the CEO at the South African Property Investors Network. Good evening. And thank you so much for joining us this evening. Good evening. Thank you, Zubber. It's always so great to have you, Miguel, on the show and yourself, Andrew. And I want to start with you with this particular topic this evening. We talk about property investment a lot. And I think if I look at the COVID era period, you know, investing in properties kind of become a very, you know, fashion or invoke thing to the point where we sometimes perhaps don't quite understand when we talk about a property investor, who exactly are we talking about?  Or that's just that's where you live. And it's not just an investment. You haven't actually gone and put in any tenants in a cottage, for instance. So when we talk about, you know, a property investor, what exactly or who exactly are we referring to? And that's and that's and that's a great discussion point, Zama. So if you go to old Mr. Rich Dad, poor dad Robert Kiyosaki, right? He'll say a property is an asset when you derive income from it, right? So property which you live in is not necessarily an asset, doesn't derive income, but a property that you rent out, that you renovate and sell, that you create, create value. That's that's an asset. So I guess my definition of a property investor is someone who takes a piece of property, whether it's an empty stand and put in and they build a home in it, whether they take an existing home, renovate it and sell it on, whether they take an existing property, purchase it at a good price and then rent it on to a tenant. But as long as you're creating value and you're creating income from that transaction, from that deal, you are dealing with an asset. And I think in my books, you're a property investor. And I want to speak a bit about property investors and perhaps their temperament.  So work with and deal with and certainly come across a lot of property investors. Perhaps there are some common traits that you've certainly picked up over the years and perhaps some of the the trends that you've picked up when it comes to property investors that have that you've worked with for a second. Yeah, absolutely. I mean, you know, looking back at the last two years with so much uncertainty in the property market in South Africa, you know, what's going to happen to the property industry and with interest rates dropping, it's actually exciting. A lot of property investors, when you engage the investors and you ask about the property market or your positive or your negative, most of them are positive. Most of them are like, you know what Andrew, there's never a good time to buy an interest rate now or the lowest they've been in a very, very long time. And what we see now with property investors, when they get the education, they start realising there's different strategies. There's installment sale agreements. And that's one specific strategy, Zama. We see a lot of investors talking about because there are unfortunately a lot of individuals out there that are being squeezed and being pushed that kind of thought to keep up with their bond payments. So one of the trends, if you said to me, Andrew, what's the number one change you're starting to see in the property market from a property investment point of view as to what our investors talking about? I'd say number one is now becoming what we call installment sale agreements with the helping homeowners. And the second trend, but to be fair, it's been a trend for a very long time. Is your students accommodation markets? It's been a trend for a while. There's still a lot of positivity around that market. A lot of our investors within the separate community, even some of the beginners, but mostly the advanced investors are still going down the road of renting out to students. But overall, Zama, we're seeing a lot of positivity. We see more of our membership growth grew by 26 percent in covid. You know, people, you know, turning to public because regardless of the market and the economy, the reason I love property, Zama, is everyone needs a place to live. Everyone will need a place to buy or a place to rent. You just need to understand what this proper investment really means. You know, in terms of getting into the arena, because it's not as easy as a lot of people think it is. And, you know, Andrew, I like that you point out that it's not as easy as some people make it up to be. I always see red every time your property investors or people who call themselves property investors say it's easy. I was able to do it. The bear of entry is real. And I think we must not lie about the difficulty of entering the property market, regardless of whether you're going to do it yourself or use other people's money. There is quite a significant bit of work that you're going to have to do, regardless, so making it seem as though it's a walk in the park is not a misrepresentation, especially also when you consider how much work is going to be ahead of you as you've now taken on that property investment, have to manage it, whether you're self-managing or, of course, even working with an agent. It's a full-time job in many ways, right? I think it depends how you go about working and managing it, but you certainly are going to have to do work. There's nothing passive about property investment. Definitely not. Definitely not. The sooner we not only recognize that, but certainly come to terms with that the easier for so many people. And talking about that, I'm seeing such a lot. I'm seeing quite a bit of love that we're getting on our Facebook page as many of you are tuned in to the 400th episode of the Pride and Procurement Council with myself as I'm going to work for Malo. It's a big episode number. We are going to do something special towards the end, the last show that we're going to have. And I'm not going to spoil it and share anything. The team is working tirelessly behind the scenes to make sure that we pull off something that I know many of you at home are also going to absolutely enjoy. So do look out for that on our social media pages. I see Farana, Siddiqui, Abidah, Albert, Tain, Happiness, Martina, Malolaga, saying hello to our Kingsama. Good evening to you, their happiness. And Farana, Siddiqui also commenting. Remember earlier, I said I'm going to do a spot price giveaway. So in addition to the giveaway that we always have, we're going to do a spot price giveaway for 400. Well, giving away a copy of the property guide. And that is, of course, one that is published by private property. And all you have to do to stand a chance to walk away with that is comment right now on this slide before the show ends. Share with us, you know, which episode was the first time, the first episode that you chewed into. If you even remember the topic, that would be fantastic. And you know, what do you learn from that episode? I think based on your comments, we'll get out. Choose one of the winners that the team, one of the names that the team sends and you'll be able to walk away with that book. Farana, Siddiqui saying I'm here from episode 10. So right from the start, I learned a lot and still learning every day. Thank you, private property. I still remember last year's big prize when two winners won 50,000 each. This show grows from strength to strength. Polina and Korsi saying private property fine. First episode was when private property was running a competition, but we had to look for keys in searching properties, reading specific keywords. And that was, of course, the Sherlock Holmes competition that we ran last year. Also, one that's a great award. We got recognition in the industry for that competition, which was quite fantastic. Serithi and Washe saying lost counts. That's how long I have been following. But I remember my first was on YouTube. And now they're all the way on Facebook. Christina Dichar was saying I love property. And one day I'll tell my story. I'll come with the testimony. And I absolutely love that, Christina. I think some of the great testimonies we received. One of the last shows that we actually did late last year, somebody messaged us saying that they actually had bought five properties that year. And they were able to do so in that year from watching the episodes. And they were so grateful for the different episodes, the different insights, tools, advice that we were able to give on the show. So absolutely love hearing your testimonies of how the show has also impacted you and, of course, your property journey. I want us to take a quick break. See who the lucky winner of the daily competition that we're running. We've got a thousand rands in the money bag. And, of course, you have to be watching the slide. You have to drop a message if your name is called out in order to claim the price. And when we come back, we're going to go through more of your messages and, of course, continue the conversation of the importance and the impact of property investment with Miguel Martins and Andrew Walker. Let's have a quick look at who the steeping's winner is. And the lucky winner this evening is Spami. Spami, you are the lucky winner of the thousand rands that is in the money bag. I hope that they're watching. And if you are, do make sure that you drop us a message down here below in order to claim your price. The thousand rands that's in the money bag. And, of course, we'll see later on the show if they have indeed been watching. Now, it's going to be a conversation from Miguel with rather Miguel Martins from Apsa Home Loans. You know, Miguel, I'm certainly keen to hear from you when we reflect on the year that was perhaps some of the trends that you've also picked up from investors.  What have been some of the trends that you've picked up and even the nature of the transactions that, you know, property investors are typically looking to finance? So, Zana, what a year it's been, right? We thought of the year in what was, I think, our second or third wave, you know, over December, beaches were locked down. You couldn't buy alcohol. That's how we started off the year, right? And just when we thought the year was going to was going to normalize. Bang! We had riots and this was just one one heck of a year, right? And in between all that, there was a lot more going on. One word that I can describe investors with is is resilient. An investor looks for the deal, looks for the deal that has the right numbers, no matter what's happening in the environment, takes the environment into consideration, but works with it. And as I spoke to various investors in either the beginning of the year and also in the second half of the year, one thing that was common between both conversations and in two very different, almost economic environments in a way, at least market environments, was just looking forward, doing the deal, finding value, growing their portfolios and just and just keeping on keeping on. And really, one thing I find about about my job and these discussions with with investors is the inspiration that comes from just the human factor of they have a dream, they have a passion and they got there and they make it happen. And that's and that's really what what what I can attest to. In terms of the types of deals, you know, I think for all the strategies that are out there, whether it's buy to let, flipping, so buy, renovate and sell. There are a lot of non-finance deals that that Andrew's spoken about. One of the investors that actually won a category at the Investor of the Year Awards was someone who was doing the rent to rent Airbnb strategy, so not even purchasing the property. But still as an investor, leveraging property, creating value. So if there's anything to leave with with with the audience tonight is that there are many strategies, it's about getting the education, understanding how to go about doing these strategies and then going out there and doing it and taking action, taking that step forward. And, you know, Miguel, when we when we look at that, I think one of the things that's clear is that property investors, certainly are resilient, they've been able to find different kinds of deals, even in places where some people wouldn't even look. They've been able to structure deals in different, you know, in different ways, whether you're using this common sale agreement, rent to rent, you know, rent to, I mean, buy to rent and even buy to flip. And I think some even use a combination of different strategies in their particular portfolio as opposed to having one primary one. I'd be keen to hear from you on the fundamental, you know, impact that property investors also have overall on the economy. Because I think it's one thing, I think in many ways, landlords have kind of got in a bad reputation and with good reason. Because I think they certainly are quite a lot of not so great landlords out there and who are really in it will say purely for themselves and also don't certainly give the best service. Because I think it's probably OK to be in it for yourself, but you need to give quality service.  Unfortunately, but when we look at the impact that property investment, you know, fundamentally has on the economy, perhaps reflect for us a little bit on, you know, on that impact. Because sometimes and a lot of the people who are to show some of the property investors, they may not be able to actually see the threat and the ways that they actually do contribute to the bigger picture of things in the country. Zama, it's not understated, right? You're right. We look at property investors and landlords and it can be these negative perceptions. But at the end of the day, as a property investor, no matter which strategy you use, you're producing a product, you're providing a service and that service might be temporary or long-term accommodation. That product might be a house that's been improved and now being sold back into the market. And at the end of the day, to be sustainable in this market and in any market, you need to keep producing your product and service at a high value at the right price point that addresses the needs of the market. And that's what takes you through the cycles, through the challenges. And if you're doing that as a property investor, again, if you're renting out rooms, if you're renting out apartments, that is your product. How are you enhancing your product with free Wi-Fi, managing any issues that need to be dealt with on the property, selling a house that's been renovated and sure it's been renovated to the right spec so that those buyers don't come back to you and possibly impact your name negatively if you haven't given them a good product. So really keeping that in mind and not just looking for the quick back is what will take investors through the cycle and through turbulent times. I think we may have lost Zama there. I think she's a straightening connectivity. And I do apologise for that. I think one of the things that we've certainly seen in the 400 episodes that we've been on is that every so often the tech gremlins get the better of us. I was actually saying to my guests before I'm currently on a load reduction schedule. So I know that it's probably the network kicking me out because every single time whenever we're going to have load shedding, that certainly does happen. But it's still, of course, tune in to episode 400 of the Private Property Podcast with myself as I'm doing well, Kumalo in conversation with Miguel Martins and Andrew Walker looking at the importance and the impact of property investment this evening. And I want to bring you back in, Andrew, you recently hosted the investor of the awards. Of course, Sapan hosted that. Perhaps I was a little bit about it. I certainly want to have a quick chat about some of the great deals that a lot of the investors brought up. And of course, later on, Miguel will also show this just as one of the judges, Absa's role. And certainly, of course, the impact that in awards like that has when it comes to property investment as a whole. Yes, absolutely, Zama.  And this investor of the year platform is by far our best event. And you know, Zama, it's the third year running, we're doing it right. The first time was 2018. I remember May, I put this event with the Bryson Country Club and I thought, you know, there's no platform in South Africa right now that recognizes social property entrepreneurs. And if you think about it, investors go out and they take a risk. Investors have challenges, investors get let down, investors do struggle. And I thought of myself as a property investor myself, I really wanted to put a platform together that recognizes all property investors in South Africa. And our last investor of the year where you were a great host was the 18th of November at Melrose Arch. And unfortunately, I couldn't be there, Zama, I felt sick on the day. Can you believe it? But the show goes on. You and Kelly did a great job. And the awesome thing about this platform is that there's different categories. There's the beginner category.  Or perhaps you're an investor jumping out of residential, doing developments and the big leagues. Or it could be that, like Miguel said, you're an innovative investor. You're running the rent to rent strategy and applying an Airbnb strategy on top of that. So we saw there was such a diverse amount of property deals from buy to let, to Airbnb, to rent to rent, to development, to student accommodation. We almost had every type of property strategy you can have in the room. From people who started out in 2020 to people who've been investing for 10 or 15 years. And what we get out of this evening is hope. Regardless of COVID, regardless of what's been happening around the world in South Africa, South Africans, we're resilient as property investors and nothing is going to stop us. All we have to do is take into consideration the market, maybe be a bit more conservative when you run our numbers, but invest of the year, bring an absolute bank on board, private property on board, tough, tile Africa, all the partners, all the giants in the property industry back into this great competition. And Zama, you were there, Miguel, you were there. I was there virtually. It was a fantastic event. And it just brought, you know, for 2021 and just brought that excitement and that hope that everyone can become a property investor if they just know how and where to start. And we're going to want to bring you in. I mean, you are one of the judges absolutely one of the partners for the awards.  What is it about this particular event? And certainly partnering with SAPIN because I know that, you know, beyond the award, there's also other work that, you know, APSET does with SAPIN. Perhaps tell us why SAPIN and the value that APSET certainly does see in a partnership of this nature. Well, thanks Zama. So we've been a partner of SAPIN since 2019. So it's again a solid three years. And we really appreciate the platform that SAPIN allows us to speak to investors, to share our ideas of them, to get their ideas to us and really let us know what they need. So that's really the benefit of working with SAPIN is that we're able to get on to platform with investors and exchange ideas. As to the investor of the year awards, well, APSET, Homelines has the aspiration of housing a nation and shaping the industry in a meaningful way. And we're always looking for opportunities in the various parts of the ecosystem that is a mortgage lending and properties in South Africa to do that. So the investor of the year awards in an amazing way, it shines a light on those individuals who are willing to be brave, bold and tenacious in the face of an ever changing property and economic environment. As I was saying earlier on, this year has been one hell of a year. And to see these investors come up and present their strategies and their successes this year was amazing. I think Andrew, there were 80 applicants altogether of which 12 made it to the finals and ready to see some investors come who are unemployed, able to put the deal together, of course, having the skills and knowledge that they get through being part of the SAPIN's network. But put that deal together and ultimately have ownership of a two million round property is amazing. And I think Andrew said, this provides our youngsters hope, this provides investors out there who think that they can't get financing, that they can't break into this market. They actually can. And if you look at the stories of these finalists and if they're inspired by the grit and passion that those finalists showed us, I think really the sky's the limit when it comes to property investment and all things property in South Africa. Going to more of your questions and comments this evening, of course, I asked you, which was the first episode that you watched of the podcast rather as we celebrate 400 episodes in? The highest number of episodes for any property podcast in the country, so it's quite a huge feat that we are proud of. It's something we're already seeing. My first episode was the very first episode that private property broadcasted online. The one that stood out the most in those early episodes was the five mistakes that first-time home buyers should avoid. Very important episode as I am a first-time home buyer and needed guidelines on things to avoid when pursuing this journey. And all happiness Maloula gets saying, I started to watch private property in 2020, November, where there was forms of groups playing against one another and they were talking about how to go about running different stockfiles and how to join it. And I've learned a lot from the show rather. I've joined from Facebook to Instagram, Twitter and I've joined TikTok this year. Love it, absolutely love that. Well, of course, across different social media platforms to make sure that you follow us there. There's different kinds of content that you're able to get across the board. Now, gentlemen, as we wrap up, any final tips for viewers at home who are looking to firstly, either go into property investment or secondly, those who are already property investors for 2022. Andrew, I'll start with you. So those who are looking to go in and those who are already there, any tips and insights for the new year? Yeah, sure. So I think if you're going to be getting into the property market in 2022, it's very important that you understand what you're trying to achieve in property and where you want to start. So for, and regardless, if you want to get into the bike to let market or the students accommodation, interest rates, there's only one way interest rates are going and that's up.  You know, interest rates make it back to nine, 10% yes, it will take a few years to get there. And I haven't got a mirror ball, but my view is over the next few years, interest rates will be going up. So don't run your numbers based on prime. Prime plus three, prime plus four, rather be safe than sorry. And just make sure that you know what you're getting yourself into. What are the risks? And that is what the asset property investors network is all about. It's about giving you that education to show you what the journey looks like and should you get into flipping bikes to let Airbnb, there's a lot of different options out there for you. So start with investing in yourself, making sure you understand what you're getting into, knowing interest rates will be going up and be patient. Don't rush it. Don't try to go about 10 properties in one month. Spend more time on yourself, planning yourself, understanding one of the investors that won the most growth. I'm going to share this with you, Tarek. Tarek took ages to get going. Tarek took, he had like 25 coaching sessions, attended events, I don't know how long, but once he got it, he bought a property every few months and that just showed me, you've got to be patient. So that's my last remark. And thank you, Zama. Thank you very much, there, Andrew. And we gather on your end, any tips, insights or views at home or either A, you're looking to start the property investment journey or, and rather not even or, and of course secondly, those who are really property investors for the new year. Great, Zama. For aspiring investors, is not invest in yourself.  Look up South African Property Investors Network with Andrew. Get onto their webinars and onto their events. There's plenty of resources on YouTube, plenty of great books to read. Get to know other investors. So just really invest in yourself first before you go and spend one round on a property deal. But then when you do, take action. Because very often we circle and circle and do analysis and like Teran's story that Andrew shared, that's great, but at some point you've got to take action at the right time. And then for existing property investors, I think if you're a new property investor having started in the last 12 to 18 months, you came into a market that was low interest rates. So keep an eye on where those interest rates could go. Keep a level ahead, build a bit of a stockpile in terms of savings, just in case we do hit any curveballs ahead. But look forward and keep taking action. Keep on growing. Keep on building it for portfolio. Focus on your why and focus on what inspires you. And I think that's such a great note to leave on. Focus on the why is very important because property has a lot of ups, but it also certainly does have a lot of downs. I think when you even dealing with tenants, dealing with admin, having to deal with renovations, there are a lot of things that can go wrong and understanding why you want to get started is always so crucial. Final comment here coming through from Serifie, William Wachain saying we can start drinking every day. Cheers to 200 episodes and beyond. Thank you very much, Serifie. Andrew McGill, it's been such a pleasure to have you with us and thank you very much for joining us this evening. It's always so great to have you both on the show. Thank you very much. Thank you so much for having us. I think having been on a couple of these shows this year it's been an absolute pleasure talking property with you and Andrew to your team at the South African Property Investors Network. Thanks for being great partners and doing what you do for property investors in South Africa. Thank you guys. Likewise, thank you very much. And it's such a pleasure to have you there, Miguel. I think we already know we're going to be having you back on the show in the new year and we're looking excited for that. And that's how we're going to wrap up the Wednesday edition of the Private Property Podcast with myself as I'm doing a Malo episode 400 done and dusted. And now of course we set our sights for episode 500 and beyond. Unfortunately, Spami was not watching us and did not claim that prize live. And so we've got another rule over tomorrow evening. 1,500 rounds is going to be up for grabs. Well, and I did say that I'm going to give away a spot prize that is the copy of the property guide that is published by Private Property to celebrate and certainly mark our 400th episode. And the team has sent through some of the great comments that you have sent through. And the winner that I'm going to pick this evening is going to be Uttarpo Mukubudi who was watching from one of the earlier shows. I read his comment earlier on this evening. So congratulations to Uttarpo. You're going to walk away with the copy of the property guide. Somebody in the team will certainly make sure that you get it. Do in the meantime, slide into our DMs on Facebook so that we can get your details and make sure that you get that copy. Thank you very much at home for tuning in to episode 400. We're very, very excited for the last couple of shows that we're going to be doing this year. And especially there's one that we're planning and that we're really, really looking forward to pulling off later on in the month. And you're going to absolutely love it. So do stay tuned and certainly keep your eyes glued to our social media pages. From myself, I'm Adama Kumaila and the rest of the private property podcast team. That's it from us this evening. I'll be back on the streets tomorrow at 7 p.m. Of course, do stay tuned for Estee Carson on the first time home bar show at 8 p.m. Until then, hope you stay home and stay safe.


And the sad thing is because the emphasis has been on the headscarf a lot of young girls and even older people believe that hijab is covering your hair. So you'll see people outside who have their hair covered perfectly and they'll be wearing really tight clothes, really short clothes, you know like short tops and you're just like no that's not even that's the hijab. Hijab is about covering your whole body so the shape of your body doesn't show, so it's not just about the hair it's about the whole body. So again you have two extremes you have those who will wear the headscarf and not worry about covering their bodies completely so maybe they'll wear t-shirts or they'll wear you know sleeves rolled up or tight clothes where you know their body shape's showing or you'll have those who say no it's about modest dressed and it's not about covering your head and again both are wrong it's about yes it's about modest dressing which is covering your body so the shape of your body doesn't show but it's specifically about covering your hair as well because that is part of the beauty of a woman. Yes yes it's the ultimate beauty of a woman.