Senbunani Demilangu evening and welcome to episode 386 of the Private Property Podcast. I'm your host, Uzaman Dunwo Kumailo. It's the Wednesday edition of Private Property Podcast. If you're joining us for the first time, welcome to the family. You're tuned into the only Daily Property Podcast in South Africa catering to your property needs.  And all our regular viewers on Facebook and Instagram as well as on YouTube, welcome to it. You know how we do. Every single weekday you and I have an appointment where I'm always in conversation with a property expert who helps us navigate our property journey. And of course, talking about navigating our property journey, there's also a host of other great shows that you can look forward to right here across Private Property's social media pages. It's a Wednesday, so Esti Klassen is going to be bringing you the first time home buy a show at 8 p.m. and every Tuesdays and Thursdays, Bari Nwokot brings you the farming podcast at the same time. And on Mondays and Fridays, Chad brings you the home shopper's show, where he takes you through incredible properties that you can find on www.privateproperty.co.za. Now, as many of you can see, unfortunately, my camera has not turned on, I'm having load shedding, my network is buckling, but the show always has to continue because we always want to make sure that we bring you your daily dose of all things relating to property. And that's exactly what we're going to be doing. Come hell, come high water or certainly any load shedding is not going to stop us from making sure we always tackle property matters. Now, one of the other things that certainly isn't going anywhere anytime soon is, of course, the incredible competition that we're running on our Facebook page, go on over there and look at the pinned post on our page, where we're asking you to share the property advice that you've picked up from watching whether it's this show or, of course, the other great shows that are across Private Property's social media pages. And if you do so, you stand a chance of walking away with $500 in cash. And all you have to do to be able to claim that prize is, if we call your name, you have to be watching us live and drop us a message to claim your prize. Unfortunately, we haven't had a winner claim their prize. And so the money has been rolling over in the money bag. I think we're not sitting at $2,500 that is in the money bag. And so whoever's going to win this evening stands a chance of walking away with that cash prize. We'll catch up with who the potential winner is later on this evening. And I'll share some of the great posts that those of you at home have shared with us as we've been running this competition. But to kick start our conversation, it's a Wednesday. So we've got somebody from the Apsa Home Loaves team this evening. We're going to be looking at managing your first time home buying fears. And I'm joined by Zeta Manuel, who's the product portfolio manager for first time home buyers at Apsa Home Loaves. Zeta, good evening. And thank you so much for joining us. Good evening, Zama. Thank you for having me again. It's lovely to always be here and having proper conversations for first time buyers. Thank you. It's always such a pleasure to have you on the show, Zeta. And I think your beat, of course, is first time home buyers. And one thing that we know is that first time home buyers are bound to certainly be scared of the first time home buying journey. Many of us who've walked that path know it all too well. It's scary. It seems very intimidating. Perhaps let's first just explore some of these fears that we know people tend to typically have when it comes to home ownership. Especially those who come from renting as a background as opposed to perhaps be exposed to people who've been buying properties a few times. Thanks, Zama. I think the biggest fear around intake in the property ladder is the buying process. I think as a first time buyer, you're always concerned if it's the right time. Are you searching for the right property in the right suburb? But more importantly, it's taking on the long-term debt, commitment, a long-term commitment from a debt perspective, as well as an ensuring that you can be able to afford the debt that you're taking on. Also, looking at the different economic dynamics that plays a role, you're not always sure if the property and the suburb that you may be interested in may still be in good standing over a couple of years. And I think also what's another biggest fear is that are you making the right decision now at the right time? And I think naturally, those would be fears around the buying process. But we've got resources to help you to alleviate some of those fears and different tools to also help you. And I think perhaps let's explore some of these fears and just how valid they tend to be. Because I know that sometimes, and I was like this earlier on in my property journey before I made the leap of going from renting to ultimately buying, one of the fears was not the most legitimate of fears. And I only share this. And now looking back, it's a bit of an embarrassing thing to admit to. But at the time, I think I was watching 22 looking to buy a property. And I think the very big thing that was weighing heavy on me was, oh gosh, you're single, 22 year olds at the time, they don't buy a property, maybe wait until you get into a serious relationship before you buy. So just stay renting. In retrospect, I mean, I know that many women don't think like that anymore, certainly are buying properties as young as 22. But we're going to look at some of those fears and just the legitimacy of them. Have you just taken us through some where you really do need to almost think heavily around it and others where you kind of know that look, this is not a big fear. This is just one of those things that when you look at it in retrospect, you'll think actually regret not doing it. And especially because that was the reason holding me back. I think psychologically, we would fear the process of buying. I think actually there'll be some elements of anxiety around the buying process. But more importantly, I think that's the fear of the unknown because you're not sure, you know, you're making the right decision. Is it the right property? Can you afford it? But I think what's important is that understanding the resources available you to support you and also looking at reaching out for support and information to help you through the buying process as well. These banks that can share information with you. There's also estate agents as a resource that can help you around property guidance. Banks can help you around the finance and lending component. And I think those are all your support structures. And there's also friends and family who's previously bought homes that can even give you guidance as well around the experience. So I think as a first time buyer, it's about research. But naturally, emotively, you will fear the process. But that's why the resources are there to support you to alleviate those and give you all the tools and the guidance you need to make the right decision. I am this evening in conversation with Zeta Manuel, who's product portfolio manager for first time home buyers at Apsa Home Loans. As we tackle managing your first time home buying fears and I see some of the love that we're getting from our viewers on our Facebook page, Megan from Sculpey, tuning in saying good evening, Farmer Belinda Aydinzen, rather also watching an elder Everton also tuned in there on our Facebook page. Of course, do keep the love coming. We absolutely love seeing it. And of course, later on, as I promised, we aren't going to be going through a few of the posts that some of you at home have sent us for the competition that we're running, looking at some of the key things that you've learned while watching the show. Now, Zeta, I think when we look at where we can go for property advice, and this isn't even one of the competition that we're running, where can first time home buyers go to get excellent property advice that's going to help them make better and more informed property decisions? Perfect. I think we'll start with an estate agent. So an estate agent is there to give you guidance to show your properties that you may be interested in and you may ask the questions. Then there's private property as a search portal. Give you good guidance, you can retrieve property reports to understand the suburbs and some of the statistics and information you may need from an amenities perspective as well. And there's also good information around guiding tips of purchasing information on private property as a portal. When it comes to banks, the banks as a financial lender sits with the financial assistance. However, as a bank at EPSA, we also have great pre-buying tools that can help consumers make the decision. So we've got a great knowledge information hub on our EPSA portal where it actually guides you around information, around articles, around the buying process, what are tips to look out for as a buyer. It's a first time buyer. We've also got a great tool that can help you understand what you can afford from a pre-qualification perspective. So you can complete that to see what outcome you get and what you could afford and you can then start searching. And then we also got an e-learning tool, EPSA My Home Owner Journey, that can help you understand the ins and outs of home ownership and the entire buying process, inclusive of all the attorney costs associated to as well. And our calculators on our website can also help you navigate around affordability, what is the maximum property purchase price you can buy, and all the associated costs like attorney fees to that. So that's the sort of support that a lender can provide. And then this, like I've mentioned, family and friends that also share their experiences around their buying processes as well and give guidance. But I think from a resource perspective, there's a bank, there's the search portal private property, EPSA has great tools on our website to help you as a first time buyer. And ESA agents can also be a great guide and support around especially areas and properties in different suburbs as well. And of course we are, one of the great things is as I was saying is that we are running this great competition where we are, you know, asking you at home what kind of public advice you've also picked up while watching the show. Christine DiCiaba saying, I'm learning daily from the show, came across it recently, listened to the session about the conveyancing process, been hooked since then, thanks private property to many more sessions. Mallory Panther saying, for all your property needs, I've learned things on private property. I never knew existed, HOA, olive farming, Wagner beef with EPSA, and that is Mallory Panther. And the Cosmos and Mubes saying, investment in property is a wise move in one's lifetime. Going for such needs, professional advice that's free of charge, private property offers this. And we've got a comment coming through from Umar Thashinange saying, let's repeat the rule over a few times until we get to 10,000. 5K is also fine. Of course, she's making reference there to the competition that we're running. And Ulrich was saying, my biggest worry many years ago was affordability. I didn't know whether I would be able to keep up with the increasing rates. This was of course way before I learned how to run my numbers. And I think that's quite a big one, affordability certainly is one of those big things that so many people tend to worry about. And we'll talk a little bit about some of the common mistakes that people at home made. But in the meantime, let's give a look at who the potential winner of that 2,500 rounds that is up for grabs this evening. And I hope they're watching. If they're not, we are of course going to have a roll over. But in the meantime, let's have a look who the lucky winner is. And the lucky winner this evening is Wusim Bata. Wusim Bata, congratulations. You're the winner of that 2,500 rounds that is up for grabs this evening. I hope that Wusim is indeed watching and can claim that prize 2,500 rounds up for grabs. Wusim Bata, we'll see if they'll be able to claim that prize before the end of the show. Continuing with our conversation with Zeta Manuel, who's a product portfolio manager for first-time home buyers and after home loads talking about managing your first-time home buying fears. And Zeta, I think let's look at some of the common mistakes first-time home buyers tend to make because we know that first-time home buyers and first-time home owners were prone to make mistakes in when we're navigating that first-time home buying and home ownership journey. Perhaps share with us some of the common mistakes that we typically make. Thanks Abba. I think affordability is one of them. It's a key one. I think ensure that you check and assess your affordability. It's one of the things we commonly make a mistake. We don't run our numbers to better understand can we afford a property and enter into an agreement over a long term. Also understanding your credit record. Ensure that it's a good credit record and if you have any challenges or anything that you need to clear up on there, reach out to the Bureau and get a credit report. You do get one annually free from trans-union experience so you can understand your credit standing. And then I think not having enough money saved up for the associated cost-to-home ownership, such like attorney fees, once-off electricity, utility expenses, as well as moving costs, and then assess your budget to ensure that you can actually accommodate additional expenses. And also once you're a home owner, you need to always have disposable income and savings set aside for unexpected maintenance costs from a home owner perspective. Those become accountable for those over time. And then also those are some of the common mistakes we make and we're not really completely prepared for the journey. And when we enter and be there, we get these surprises and we might not be ready and it can then make the entire buying experience negative. So that's why we have all the resources available to support first-time home owners, first-time buyers as they prepare for the journey so that it can be a really positive experience rather than negative. And I think that's such an important one to take note of. And I think one of the other big things is of course preparing to buy Zeta. What are some of the best ways to make sure then especially first-time home buyers who are watching and when many people are setting their plans for 2022 looking to certainly have property goals as part of their goals for the for the new year, how can they best prepare themselves in the event where buying a home is part of the goals for the new year? I think as the preparation journey begins, I think one of it should first start with, do you have an idea of which suburb you'd like to buy, which area you're interested in, research the area, understand the amenities and its surroundings, understand traffic connectivity or transport networks around the area. So you have a good understanding of possible areas you may be interested in. Then retrieve some property reports to understand what are average home prices in that area and have a better understanding around the area from an information perspective. And I think that's another way where you can access some of this information via private property as well on their website. I think then go to your personal budget, assess your budget and understand, can I actually afford a home?  Then utilize calculators, you know, we've got that in my apps, a website, play around with a calculator to understand if I buy a home for different price ranges, what's the associated attorney fees to that, what would be an average repayment in storemen for a home loan. Then also look at the affordability and that goes in size with your affordability. Then you can complete a pre-qualification to see what you can actually afford, you know. And then also as mentioned, make sure that you credit record is in good standing and you clear that up. But also with budgeting as well, all the other additional costs that you will incur as a home owner, such like insurance costs. If you buy an intersectional title, property or estate living levies, you know, average levy costs as well, take that into account and moving costs, you know, as well as consider as a home owner, what is some of the furniture costs that you need to save up for? Check your savings, do you have enough savings to accommodate some of those expenses that you will incur as you prepare for the journey? And I think those are all things that can help you prepare for your journey as you think about becoming a property owner as a first-time buyer. We are taking your questions and comments this evening as we look at managing your first-time home-buyers fears with Zeta Manuel from Apsa Home Loans, Tiaakou Mounyai, asking, do you give 100% bond for first-time home buyers? And I want to expand on that question, Zeta, around what informs a bank extending 100% LTV versus maybe an 80% or 90% because I know many people probably may want 100%, even if they've got the deposit, but still want that 100% LTV. So do you give it for first-time home buyers and also what informs a bank actually getting to 100% instead of it being 90% or 80%? Thank you, Zema. That's a really great question. I think it goes back to affordability. So as a bank, when you submit an application, we look at your, we assess your application to understand if you can afford a loan and if you're in good standing from a credit scoring perspective and a lending perspective. So we've got to align to that. We do the assessment for affordability and credit lending and that is how the outcome is calculated in terms of the type of lending we give you. At EPSA, we do offer for first-time buyers up to 105% lending as a first-time buyer and we give you all other great benefits as well as well as attorney discounts to support you to get onto the property ladder as a first-time buyer. But that in a nutshell is how we assess you as a customer when you apply for lending with the bank. And then when we then look at Zeta, the best way for people to kind of navigate that home buying journey, once they're ready, they've prepared, they've done their research, is there almost a checklist that they must have in mind as they walk through home buying? Because I know that this is one of those things that you can very easily forget because there's just so many steps, so many moving parts, so many things that sometimes happen. Is there a checklist that at the very least we kind of need to be aware of, especially where you know that your finances are well, you've kept your credit score really well, you've saved up for your deposit. Almost what checklist should you have in mind once your finances are healthy and you're now ready to certainly start viewing and of course sign on that offer to purchase? I think importantly before you make that step, ensure that you know your financing good standing, your credit records in good standing, now you're ready to make an offer. So be sure that the property you're interested in is the one that you 110% comfortable with. So make sure it meets your requirements, your living requirements, especially in your needs. So a lot of us look for different amenities in the surrounding suburb, good transport network systems, fiber connectivity, is the security what you're looking for in the suburb or if you're buying in a sectional title property, do you understand how the levies work? The rules of a complex as well is also important. You want to find yourself finding out about certain things that might not suit your lifestyle. And make sure that the property you're buying is in line with your lifestyle and where you are from a life stage perspective as well. And then when you come into the lending part of things, as a bank we've made it very easy for you to apply online for your home loan and we also have a great support team as well from a sales and service perspective that can guide you on the journey throughout the process and made it very convenient. And then we also have great first-time buyer benefits at EPSA to help you to enter the property ladder as well, such as our up to 105% lending for young professionals. And we also have great, we give all first-time buyers a 50% attorney discount as well and good personalized interest rates as well. And going to more of your questions and comments at home, we've got a comment coming through on YouTube, Pakistan, we're rather seeing one of those scared buyers my application is currently with bond lawyers, I'm anxious about the unknown fluctuating interest rates and increasing rates and taxes. Umeens of Utiles is saying beyond understanding the full property purchasing process, I think one must also work to improve their financial management skills, because you have to manage your money around the buying and also maintaining the property you buy. And another one here coming through from Uwe Dumail on the highlights saying, do you give 100% on small holding? And I know this wouldn't be a first-time home buyer and probably one of those questions that should be asked on the farming podcast, but I'll still give it to you nonetheless, Zeta, 100% on small holding. So what we do is we'll go through the same affordability and assessment process. And once we assist you in your city application based on affordability and your credit criteria, we'll share an outcome based on whether it's 100% or below. And that's generally how we assess an application. Yeah, but we do give up to 100%. And I think if I understand the question, which is probably referring to small holding small holding farm, I know that with farms really doesn't get there, but you because banks almost want you to put a bit of skin in the game. But I do recommend watching the farming podcast and Bali has certainly spoken to colleagues, to your colleagues Zeta at Apsa, who look at Agri. And I think that would be a great, you know, conversation to listen to and even look at what they look for specifically when it comes to of course, buying a farm. At Sapa Mukhubudi saying also I heard that financial advisors get some incentive from banks like interest rates and reductions. What incentives or benefits does Apsa give for financial advisors when applying for their home loan? I think this one speaks to, you know, sometimes Zeta, I think people are, and I've seen this in different instances, we sometimes get scared or certainly wary. I think the word is more wary when we're seeking advice from a financial institution that we know is also going to get a sale because we think they may not have our best interest at heart. So I'm thinking of, for instance, when you want to negotiate for a lower interest rate, you know, they may think, look, your bond consultant might not want to fight for you to get that lower rate, because they, you know, they're going to get perhaps a bigger, you know, commission if they have you signing up on a higher interest rate, perhaps, you know, should like with that one, because I know this is a sentiment that so many people certainly think and hold when it comes to these kinds of things. Well, thanks, Summer. I think, look, when we in, I think if you look at entering into agreement over a long period of time, you want to know that the out the financial outcome is the best. So when you submit your application and if you receive your your outcome and you may be not happy with with the interest rate that's been applied, you can send that back to the bank and say you'd like to see if you could get a better interest rate. We'll review that and we'll share an outcome with you. Yeah. That's the actual process that we followed today. A great question coming through here from the Lisa Chabela saying is as agents, we do our best to educate first time home buyers, but the challenge we have is that they sometimes would rather get a loan to pay the transfer fees. Can banks educate first time home buyers? And I'm sure you see that quite a bit there, Zeta. Yes, we actually do. I think it comes part of the preparation process. So it takes me back to when I say you need to have sufficient savings so that you can accommodate all the cost and expenses that comes with becoming a first time homeowner. And a lot of the times people might have not saved up for attorney fees for the ones of rates and tax costing, the electricity costing, and then they don't have enough money for some of those, right? So then they lean towards taking up a loan to pay for those expenses, which can put pressure on your budget over time. And that's why we really encourage the market. As part of your preparation journey, it's imperative to have savings set aside so that you can accommodate these costs as you go through the buying process. And more importantly, like I've mentioned, when you assess your budget, try to keep your expenses at a minimal and really for basics and not incur additional debt when you're taking up a long term debt like a home loan as well. Because you can feel the pressure over time, especially when the economy takes a turn and interest rates start increasing. Then when you assess your budget, you will find that you might be a little bit tight because now you can't accommodate the interest rate hike increases and you might be struggling with repayments in the long term. So it's very important to manage your finances, be very prudent about it. And really, when you become a homeowner, really ensure that your budget accommodates, it has a surplus and you can actually save for those unexpected expenses as well. That you can incur once you're a homeowner and also ensure that you always have a savings pool set aside. That's the guidance I can share as well. And as we wrap, Zeta, one of those questions that many first-time home buyers sometimes have is what the ideal first purchase is? Is it an existing property or a property in an existing complex or a state? Is it buying off plan? Is it buying a full title, free-standing property? How should people be sort of thinking through the type of property that they should be buying as their first purchase? Great, great, Zama. I think assess where you are from a life-stage perspective and lifestyle perspective. There's benefits to sectional title. If you're looking for security, lock up and go, body corporate manages the levies. You just pay a once-off cost for levies and maintenance and that's been managed by the body corporate if you're in a sectional title property. Also, structure insurance is also taken up by the body corporate as an example if you're in a sectional title property. And also, these days, some of our sectional estate living type of properties comes with certain requirements like fiber networks, et cetera, and those things have become quite important. So I think it's really dependent of where you are in your life-stage. A free-standing property is also great. I think you just become more responsible. You become responsible for upscaling your security or in improving the security of a free-standing property if that's important to you. The maintenance also becomes something that you'll be accountable for. So if there's any maintenance that you need to do on a free-standing property, you must be ready to absorb those costs as well. And I think those are some of the pros and cons that you've got to weigh up based on your desires and your needs. And also, your life-stage, where you find yourself, are you single? Would you want to buy the property for investment? Is it for extended family? Are you young parents? It depends on your life-stage and in your lifestyle as well. So those are factors you've got to consider as you buy for property in conjunction with the suburb and the area and things like amenities and schools, things that are important to you that you would need access to. And that also are drivers to help you make the decision around which type of property that you buy. And Zita, as a wrap up our conversation, any final tips for our viewers at home who are aspiring first-time home buyers or certainly getting ready, of course, to purchase their first home in the new year? So the guidance I can give is please prepare the journey. I think assess your budgets, understand your affordability. Do the pre-qualification to see how much you can afford. Ensure your credit record is in good standing. Please set savings aside for the associated cost-to-home ownership. And visit Aps's website. We've got great first-time buyer products available to you and benefits, and we've got great pre-buying tools and information that can help you on your journey as you prepare for home ownership. And we are going to leave it there this evening, Zita. Thank you so much for joining us. It's always such a pleasure to have you on the show. Thank you, Zama, and thank you everybody for listening to us this evening. Stay safe. And that is Zita Manuel, who's a product portfolio manager for first-time home buyers at Aps's Home Loans, wrapping up the Wednesday edition of the private property podcast with myself, and the team has let me know, unfortunately, Wu Simbata has not claimed that 2,500 rounds. We have another roll over, so 4,000, 2,000, 3,000 rounds. Look at me even losing count, 3,000 rounds up for grabs tomorrow evening. Unfortunately, I won't be here. Haiti's going to be holding it down, presenting the show. And of course, I'll be back on your screens on Friday evening. That's it from myself as I'm going to work. I'll be back on Friday. Until then, hope you're staying home and staying safe.


Friends welcome back to my channel and welcome if you're new here. My name is Jen I'm a certified weight loss and nutrition coach and I'm on the WW or the Weight Watchers blue plan It's Saturday, so it's grocery haul day now. I have a massive and when I say massive I mean massive grocery haul for you It's been almost two months since I did my Costco shopping So we are out of a lot of our go-to items and there are some great things on coupon at Costco I need to pick up diesel's medication and of course stock up for Super Bowl Sunday as we are having a few friends over So I have a huge grocery haul for you from Walmart trader Joe's and Costco So if you're excited for this massive grocery haul give this video big huge thumbs up and don't forget if you're new or you're not yet Subscribed to my channel. I'd absolutely be honored to have you just hit the little subscribe button and the bell next to it And you'll be notified whenever I upload its grocery haul day every Saturday, so you definitely don't want to miss out I just launched my meal planner that I am so incredibly excited about a lot of you have ordered it and reached out and said How excited you are as well, so make sure that you pick one up at the introductory price You can find this on my nutrition coaching website I'll make sure I link that down below Definitely get the meal planner Well, it's at the introductory price and you can check out my nutrition coaching as well my 30 and 60 minute one-on-one sessions And of course a must-have is personalized macro and calorie calculation Whether you're on WW or not you have to know where you should be calorie and macro wise so I can definitely figure that for you So check that out down in the description box Also, you'll find links and discount codes to my other favorite things and my Facebook group another community That would love to have you so definitely check out the description box before you go We have a grocery haul to do and it's huge. So let's jump in Welcome to a massive and I mean massive Grocery haul this week was my stock-up week. I went to Walmart Trader Joe's and of course Costco I found some great new finds really really great deals So I'm really excited to share this week's grocery haul with you Keep in mind that a lot of this stuff will last me at least a month a month and a half from Costco And I did pick up some items for Super Bowl Sunday So I'll share those with you guys as well We're doing appetizers and making it pretty simple, but I found some really fun things for the Super Bowl So let's jump in to my massive grocery haul these Archer minis grass-fed beef sticks are currently on sale at Costco for 1199 you get 28 sticks. There's zero sugar four grams of protein per stick and only 50 calories I actually picked these up for Troy. He's really been liking having meat sticks in his lunch And since these were on sale, I thought we would give them a try He also asked for apples and so these organic apple pre slices are really convenient. They're individually packed There's eight packs in the bag here. They are organic, which apples are on the dirty dozen So I definitely like to pick those up organic and they'll be great to throw into his lunch for this next week I need an unsweetened coconut flakes for a recipe And I do like to have these on hand for acai bowls or smoothie bowls or even to top my oatmeal a 24 pack of diet coke for Troy No explanation needed also not shown because it wouldn't fit is a case of Coors light also for Troy Also explanation not needed the 99% extra lean ground turkey was on sale for 358 Which is a really good price It was about a dollar less per pound than the one I normally get which is the simply raised So I ended up picking up two packs Of course, I'll just throw the extra pack in my freezer But I'm completely out of the 99% ground turkey breast for Super Bowl Sunday I picked up this cake. This is so cute It was $7 at Walmart white cake white frosting as you know or may not know my husband doesn't eat chocolate And I wanted him to be able to have some dessert on Super Bowl But it has the cute Super Bowl decorations on it and you can't beat it for $7 50% less sugar craisens. This is also for a meal prep recipe I will be sharing my meal prep and meal plan at the end of the video So stay tuned for that a new flavor of creamer. Look at that new glazed donut. Yes, please It only came in the small one so I had to pick it up to give it a try It's the normal 35 calories or two smart points per tablespoon I've also heard time and time again about these Trader Joe's hash browns They're really easy just to pop in your air fryer And they are a dupe for the McDonald's ones and they are 120 calories per hash brown And they're actually a pretty good size so I picked those up. I also needed dates for a recipe now There is a great date controversy on whether or not you track dates as points. I personally do not I do not track any dried fruit if it does not have added sugar in it as points So I would count these pitted dates as zero points I will put on the screen here what the WW app says though for points So you can track them however works for you fully cooked bacon also for a recipe and then at Costco I picked a big pack up of the organic chicken tenderloins You can't beat the price for fresh chicken at Costco making of Costco if you haven't seen my all things Costco video I'll link it down below for you I go into detail of all of the WW friendly things at Costco and their chicken was one of those items at Walmart I picked up this cracker barrel 48 cracker cut variety pack part of Super Bowl Sunday is a Meat cheese and cracker tray at the request of my husband So this has pepper jack cheddar jack oceago an extra sharp cheddar Pre-cut ready to go definitely makes my life easier big bag of mozzarella string cheese 48 cheese sticks for $11 at Costco can't beat that price I've actually never heard of the polio brand but Troy takes two cheese sticks in his lunch every single day Also for Super Bowl the Italian dry salami rounds This again makes my life easy and these are actually really really good They're not too bad point-wise either and they're a great way to get in some extra protein And also for protein. I love having Canadian bacon Unfortunately, my husband seems to really enjoy it also because he ate most of the other pack I picked up at Costco, which is just fine. So I picked this one up It's less than $10 and there's two big packs of Canadian bacon some sweet baby rays No sugar added original barbecue sauce. We are doing little smokies on Super Bowl as well And I thought we could save calories with the sugar-free sauce. I don't think anybody's going to notice So I picked that up at Walmart also at Walmart the big bottle of synergy kombucha I ordered from imperfect food. So I have quite a few cans of the better boot So I didn't need a whole lot for the week and this bottle is actually three servings or three bottles worse So I went ahead and just picked up the big bottle. It's less than seven dollars at Walmart It is the equivalent of three 16 ounce bottles and that would be nine dollars So it's a couple dollar savings and then for Super Bowl my friend Jamie and I love Moscato So at Costco, I have this Rosada Moscato. This is really delicious and it's nine dollars for the big bottle The Larissa's kitchen original beef jerky was on coupon. This is organic Which makes me really happy and so I picked this up too just in case Troy doesn't like those many sticks I thought he would for sure dig the beef jerky and again, it's a low calorie low point way to get in your protein So highly recommend jerky and meat sticks. Just watch your calories versus protein content Here's the little smokies. The big pack was a much better deal than buying two small packs So I have the beef little smokies. I always have to get the full beef ones So this will be great to throw in the crock pot or on the stove with that sweet baby rays No sugar added barbecue sauce raw sliced almonds for a recipe And I also like to really put these on my salads on my oatmeal bowls Even on smoothie bowls or acai bowls. Again, no surprise to anyone that while I was at Costco I picked up another la terefina spinach artichoke and parmesan dip I've seen a few comments about this being more points So I'm going to put the points on the screen here for what it figures in the calculator versus the scanner Sometimes the scanner isn't accurate So always enter the nutritional information into the calculator to really truly get the most accurate points value So I will put that here on the screen, but we love this dip. We absolutely both of us love it I also just did a thrive order and of course added my favorite sparkling water the orabora thrive does not carry the basil berry So while I was at walmart I went ahead and picked up two cans of the basil berry because I just love orabora waters in general But thrive has all the flavors and is a better price if you're part of the thrive market If you're not I'll make sure to leave thrive down below with 25 off in a free gift when you join They do offer monthly and yearly memberships. That's a canned goods also for super bowl I'm going to be making a seven layer dip ww friendly style and I thought that sounds amazing for super bowl So I picked up two cans of sliced black olives I also needed some diced tomatoes for a recipe and then this is a big can of the fat free refried bean I was completely out of time So I picked that up and then of course two cans of no salt added green beans for diesel and lola They get this instead of table scraps every time we have a meal So I picked up two more cans on sale at costco batteries So this was 1399 and we are almost completely out of double a so that's a fan fantastic deal Under the batteries is this big 18 fresh pack of ritz crackers for super bowl And this is the only cracker my husband will eat and as you know He's been on a meat cheese and cracker kick for quite a while And you just can't beat this for less than nine dollars at costco No grocery trip goes without treats for diesel and lola and they got the mother load this time around These shameless pets lobster roll over flavor I buy these off of grove and for a teeny tiny bag It's eight dollars now. I buy them because number one. They're made in the usa. They're all natural They are free from grain corn soy and artificial flavors and they don't have any chicken Which my dogs can't have chicken the lobster one. I really like because it's for skin and coat support So like I said, I pay eight dollars for a tiny bag off of grove This whole huge bag at costco was 11 99 I Gasped when I saw it and immediately added it to my cart So if you have a costco membership, these are fantastic high quality dog treats Also, I did another box of the grain free mint flavored dog treats from trader joes My dogs love these and I like the mint because it does kind of freshen their breath a little bit And then lastly at costco the nature gnaws. I have bought these before they are all beef chews There's 18 of them total in the package You actually get six bully sticks six jerky chews and six tripe twists 1499 so a really good deal for the all beef treats I decided to pick up this organic chunky guacamole packets They're only 90 calories per packet. I'll put the points here on the screen And I love avocados and guacamole, but I find myself not wanting to just make guacamole on a win So I thought that these would come in really handy and would lead me to eat more avocado slash guacamole Which is a really good healthy fat cauliflower gnocchi just to have in the freezer. We're all out And this is one of our very favorite side dishes And then I picked up the joseph's pitas This is for a dinner recipe and two packs of the au lait extreme wellness high fiber wraps Also for a meal prep and a dinner recipe. I've decided I like these better than the mission carb counter There are less points in calories. I just really like the au lait ones I also enjoy the la tortilla factory because they have excellent ingredients But walmart did not have them so I went ahead and did two packs of the au lait lots of cheese mild cheddar and monorail jack. This is for the seven layer dip Organic mozzarella. This is one of my favorite cheeses from trader joe's It is a great dupe for the light mozzarella that apparently is not coming back This is only two points for a quarter of a cup. I will tell you it's a little bit pricey It's five dollars for this bag, but it's really good creamy organic mozzarella cheese So if it's in your budget highly recommend you save about a point and it really is just delicious cheese And then of course no trader joe's trip goes without the light shredded three cheese blend We are completely out.  You guys know, I prefer full fat dairy except for when I'm cooking I don't mind saving the points and calories and using a zero percent Troy asked for special k with strawberries. So I picked him up the big family size box I did the dairy gold squeezy sour cream for the seven layer dip I thought it would be kind of cute to have the squeezy pattern In the dip. So I picked it out a bit walmart organic white corn tortilla chips Of course, we need chips for our seven layer dip and I love that trader joe's has so many great varieties of organic chips I decided for a sweet treat this week. I'd make it simple and get these little mini clio bars and vanilla Walmart is the only place I can find these so whenever I go there I like to stock up on my clio bars a big box of egg whites I get a lot of questions on why I choose to have one whole egg and then egg whites It's because I like to save the calories with going with egg whites But I like the flavor of having one full egg and I get a lot of protein for little calories when I back The one egg up with some egg whites So that's really the reason that I buy them and we were completely completely out of egg whites Troy also asked for grapes for his lunches this next week He must be on his own little health kick because he wanted apples grapes and cucumbers So I picked up some grapes. Unfortunately costco did not have any organic grapes So I probably won't eat these and I'll just make sure I wash them really good for him Also at costco I found this when I was filming my costco video And of course we've eaten most of these so I had to pick another one up If you have a costco check your dairy section Over by the sour creams and butters and see if they carry this good culture So this is the full fat 4 whole milk cottage cheese. There are these cute little individual cups There are four points and 140 calories, but look at this 19 grams of protein So I love them. It's great to throw in a lunch too because they're individual little cups So of course I had to pick up another box I will forever buy this as long as my costco carries it And I also picked up these melatonin sleep gummies from natural these were on sale on coupon And these are for torey mainly he's been having a hard time sleeping And I think once he gets his probiotics like I have mine it makes a huge difference in your sleep But I did decide to go ahead and just pick these up and have them on hand for him One of the appetizers for super bowl are these breaded mozzarella sticks I love trader joes for appetizers. They have such a wide variety So I thought that I could throw these into my air fryer There'll be five to six of us over for super bowl So it'll be perfect. And then I also found these little spezio D pizza spezio de pizza. Anyway, little mini pizzas also thought I could pop those in my air fryer I also saw the brazilian style cheese bread a hello. How good does that sound? So I thought that this would be delicious It says with tapioca flour and parmesan cheese then crispy exterior with chewy cheesy center So we're going to be cheesed out between the cheese bread and the mozzarella sticks But there is going to be a child or two So that'll be perfect for them. Tori loves these lightly breaded fish sticks from trader joes He does not like fish ironically, but he really likes these fish sticks So while I was there, I picked those up and last for super bowl. I decided to get the mini beef tacos They also have the mini chicken tacos But Tori complains we eat so much chicken that I thought that I would just get the beef ones They're the same calories as the chicken and again We'll pop them in our air fryer and they'll be a great appetizer I also restocked a six pack of the organic chicken stock from costco And then for Tori's lunch because he was saying he's over his sweet things I know I couldn't believe it either But I saw these at walmart and thought I could give them a try for him It's a cheese snack mix. It looks kind of like a spin on the chex mix So I picked those up Hopefully he likes them if not they definitely work into my day And then of course I picked up some more yogurts because this is a great way to get in protein And I've been using these as a dessert talk with a little bit of purely elizabeth granola Or the julian bakery and it's been just a really good way to get in protein, but also dessert everything else is produce I didn't need a whole lot because like I said, I just got my imperfect foods box But I did need baby spinach for a recipe a couple of organic granny smith apples a red onion And then I needed some frozen corn and like I mentioned Tori asked for cucumbers So this three pack of organic English cucumbers is six dollars at Costco. So I picked that up for him. So Holy moly that is a grocery haul. So that is everything that I picked up for the week Now I'm going to jump into what you'll see on monday for meal prep And of course what I have on the list for my meal plan Now let's jump into my meal plan and meal prep for the week if you didn't see my video on thursday I launched my meal planner. I love this so much It's absolutely everything that I wanted it to be I spent a lot of time putting this together And I'm so so incredibly excited. I will link my meal planner down below at the special introductory price It is a meal planner good for an entire Year and shipping is free. So definitely check that out. So let's jump into meal plan and meal prep So this is what it looks like when you go to plan your meals There's a section here called on the menu where you can put your dates and also plan your breakfast lunch dinner snacks Whatever it is that you plan along with the date here in the little circle And then of course the detachable grocery list to take with you to the store It is lined so it makes it very simple to write down all of your groceries and have your list actually look nice And not like chicken scratch. That's important to me. So this is the week of two six through two 12 day is saturday. We're going to do an out to dinner or a pizza night sunday We're going to do pork chops with apples and potatoes sunday is also super bowl So i'll be doing appetizers and things for the party and then make an actual hearty meal for dinner monday I'm doing ground beef quesadillas, and i'm so excited for this recipe Tuesday's a leftover night wednesday I'm doing mexican skillet dinner also excited for this Thursday my husband's been asking for euros. So I found a really good chicken euro recipe I can't wait for this. I love euros, but they're usually really high calorie high point So this one is going to be perfect and then friday I always do a leftover night just because there's always enough leftovers from during the week to have on friday on the back I plan my meal prep. So you'll be seeing all three of these recipes on monday for meal prep first for breakfast I'm making turkey sausage mini frittatas. I love frittatas Lunch is a buffalo chicken wrap. I've been really into buffalo lately for some reason So i'm making a buffalo chicken wrap. I may actually try the wrap Chick-Toc cap We'll have to see how that all plays out and then dessert i'm making a no-bake granola bar Because i've been craving granola bars, and I want a nice clean healthy one So you will see all three of these recipes on monday for meal prep. Thank you for joining me for another grocery haul a massive WWW grocery haul I'm so excited for my recipes this week and for super bowl And i'm glad that I was able to pick up some of the really good deals on coupon at cosco So if you have a cosco in your area, definitely grab what's on coupon. That's some amazing amazing deals Don't forget to order your meal planner. It is linked down below at the special introductory price As well as my nutrition coaching macros and calories and my facebook group We'd love to have you join us over there as well So definitely don't forget about the description box before you go Thank you guys again so much for watching if you enjoyed the video give it a big huge thumbs up And don't forget if you're new welcome welcome or you're not yet subscribed I'd love to have you hit the little subscribe button and of course the bell next to it So you're notified when I upload don't forget saturday is grocery holiday Thank you guys so much again for watching happy saturday. Enjoy your weekend. Enjoy your super bowl And i'll see you in the next one. Bye


Our next speaker is Daniel Ellsberg, perhaps the most famous whistleblower in the history of our country. Daniel was in the Marines. He is the former defense and state departments, Saigon official who revealed, depending on papers, a top secret history of U.S. decision-making in Vietnam to 17 newspapers in 1971, for which he faced a possible 115 years in prison. Daniel is the author of The Doomsday Machine, Confessions of a Nuclear War Planner. Welcome, Daniel. We got Daniel. Hello, can you hear me? Yes. I'm not allowed to unmute themselves, okay. All right, we've heard and we will hear very broad analyses of what has been going on in the Cold War and the new Cold Wars that continue. I want to focus on one that was not salient to me as late as writing my most recent book, The Doomsday Machine, Confessions of a Nuclear War Planner. It was after that, actually, that I think I became aware really of the I and the military industrial complex, the MIC, which I think I've collected for some 60 years or so before that of focus and obsession with our wars, our interventions, our military activities, but above all, with our nuclear threats and our nuclear buildup. Most arms control and disarmament efforts, anti-nuclear efforts and nuclear for that matter focused almost entirely on strategic comments, concepts within the Defense Department, within the military services and within the think tanks, which are, of course, part of this complex. My friend Ray McGovern says it's not just an MIC, you make the military industrial complex that Eisenhower warned us of in 1960 and by the 61. And by the way, the original drafts of that speech, a remarkable speech actually about the unwarranted influence that might come or it actually did exist from this military industrial complex, but it was originally called the MICC, the Military Industrial Congressional Complex. That certainly deserved part of that, but then someone noticed that he was going to deliver this speech in front of Congress and that they might take offense. So the congressional part of that came up, but as Ray McGovern points out, it could be well called MICI-MAC, MICI-MAC, rather military, industrial, congressional, intelligence, media, academic and think tank. At least I was, of course, in a think tank working for the Air Force, in particular the Rand Corporation. And in those days, I would say you could work year after year and you can read all of these books, which I have behind me here, and look at the index and look for the name Boeing or Lockheed or Northrop Grumman or General Dynamics. They're just not there as though they were just tradesmen who were doing the bidding of the strategists in the White House and the Pentagon and the Rand Corporation. Not their influence at all. It was after my book came out a few years ago, couple years ago, that I came across this book, Harry S. Truman and the War Scorer Scare of 1948. And it put me onto a whole new line of analysis and I'll try to summarize the message that came through to me there, which was actually new to me after all these years. During the Second World War, a handful of firms, quite a number, hello, during the Second World War, a majority of our planes were actually built by Ford and GM. And when the war ended very in August and the orders were abruptly canceled for new war planes, Ford and GM went back to building cars very happily who they pent up wartime demand. But other companies like Lockheed and Douglas and Martin, others that had built up from almost nothing before the war from very small to enormous profits and gross, but also profits on investments that were mainly made by the government and supplied on lease in effect to these countries, to these companies who had made enormous profits on their invested capital, which was relatively small. Suddenly, they found that their market had vanished and to some extent they tried to satisfy a civilian need for civilian aircraft or even go into other businesses like building buses or other vehicles. And they couldn't compete commercially with Ford or GM or any of the others who were used to cost benefit analysis and efficiency. They had been built up on cost plus contracts, which essentially paid almost no attention at all to cost and they were not built up to, they were not built to compete in the commercial market. They were all facing going bankrupt, literally bankrupt. The orders, as I say, went from almost one day to the next in August of 1945 from enormous to nothing. And they were desperate, some of them didn't go bankrupt but others were looking, say we have only three alternatives to keep up this cutthroat competition between us or to emerge and some of us, one could have less mouths to feed or something or go bankrupt. And the answer was that they had as during the war had to have orders from executive branch from the military for large numbers of war planes. Well, it was peacetime in a sense. But that wasn't appropriate. What was needed was preparation for war, readiness for war all the time, essentially a permanent war economy. And with this, and they got it, a starting lobbying in early 46 actually. And before that, long, not long after that, pressing Truman to appoint a air power commission to see what the requirements were under Thomas Finletter. Yes, I knew about the Finletter report. I didn't know as a result of lobbying by the aircraft industry, but it did point out that we absolutely had to have a lot of airplanes. The Air Force itself also with its new independence or striving for independence at that point, which it got wanted to emphasize a strategic bombing campaign that they'd carried on in World War II, but against who? They wanted it in part because they wanted a healthy aircraft industry, which would have a large research and development arm that had to be paid for by government. The commercial aviation simply would support that. They needed that so as to be superior, even with a relatively small Air Force to have the latest planes as we're still striving to do, of course, with some dogs coming along at the F-35, the biggest boondoggle, which is actually the biggest arms project in history, ultimately perhaps a trillion and a half dollars, happens to be almost clearly a terrible project. Its functions are done better by other planes entirely, but the headline in the New York Times recently was Too Big to Fail, like the commercial firms. Lockheed's F-35. Very recently now, just to bring this right up to date, William Hartung, H-A-R-T-U-N-G of the Center for International Policy has put out a very interesting report called Inside the ICBM Lobby. And let me go back for just a moment to the earlier period. You needed a lot of planes for an industry, the Air Force needed them for an industry that would allow you to have the most superior planes later in the big R&D budget and to have a large share of the military budget and to be independent as an Air Force. The aerospace industry needed the Air Force, a large Air Force that they could sell to, and a Navy as it built up its carrier planes and got more extensive on the strategic mission also, in Polaris, in the missile. So we got an aerospace and missile industry, not only aircraft. This book has really suggested to me that a very large part of the Cold War, not all of it, but a very large part that I've certainly neglected, I would say, for most of my life, until quite recently, is the function of a massive annual subsidy to the aerospace industry, to assure it to be healthy, that it doesn't collapse and get bankrupt. And that has continued every year from, let's say, the late 40s before the Berlin blockade, by the way, even, which contributed its part to the Cold War or Korea, all of these were important turning points. But at the key points, every point there is, the role of the aircraft industry has been very, very important and very neglected. And as I say, you can read many books about this without reading the names of the five that I just mentioned, which are in Hartung's accounts. Hartung, by the way, is one of the very biggest experts on the role of the military industrial complex. And I recommend that you look him up on the web and in the Center for International Policy, many op-eds on this. Unfortunately, he's almost alum in this and the people who work with him at the center. But Raytheon right now is the sole contractor of the, for the new ICBM. And it makes me laugh a little because the reason they're sold is they were competed with Boeing and then Northrop bought away from the Boeing team, the maker of solid fuel rockets and incorporated it, acquired it as an asset in Boeing. So we can't compete now regularly. It's not a fair field. And so it's left to Boeing, which of course has many subcontractors including Lockheed and many of the others. There is no real reason for us to be building and follow on to our current ICBMs, the 400 Minute Man 3 that are in three bases in Montana, Wyoming, North Dakota, except for the needs of the aerospace industry, the profits, the lobbying and its jobs, the upkeep of towns like Minot, North Dakota, which depend on the Minute Man wing near them or other Cheyenne in Wyoming. And Utah, by the way, with a missile service, the ICBM lobby, and I won't go into the details here, is named in the Hartman book. And I think that's very important that we need to focus on that from an arms control point of view, just as in the climate problem, again you can read book after book after book on climate as I have and look in the index for the word exon or Chevron or Ramco or British petroleum. And oddly, you just don't see it there. The media doesn't deal with it, the analysts don't deal with it. In fact, as in the aerospace case, these are the people we are confronting. These are the institutions, the centers of power. It's not just wrong errors in people's minds, it's profits, jobs, donations, revolving door between the aerospace case, especially between the Defense Department, our current Secretary of Defense having come from the board of Raytheon, which he got into having come immediately from the military back and forth. And the Boeing and Raytheon and others lucky to have financed people since then. Another excellent article is by my name Cummings, lock, stock, and two smoking barrels play on the film name, but an extremely good article you can find on the web about Lockheed's efforts to staff the Defense Department with officials from the Lockheed Corporation very effectively and two to get the orders from them. The cost of this for the American people is the preservation of ICBMs that should not exist, which endanger the United States by their existence as vulnerable fixed site missiles that can only survive and attack by getting off the ground before any missiles should arrive. It is that consideration, use them or lose them, that puts the famous 10 minute or so window on the ability of a president to make a decision as to whether or to launch our forces, essentially our ICBMs, which run very quick alert within minutes. They can be flying and if they aren't and an attack is coming, we will lose them. Now a question could be, so what? A war between the US and Russia, if it starts, will lead to a nuclear winter by the firestorms created in cities on both sides and in Europe and in China and elsewhere, which will send hundreds of millions of dollars, 150 million tons perhaps of soot and black smoke into the stratosphere, will not rain out, will go around the world within days and cut out 70% of sunlight for years, to some extent up to 10 years. But human species, most of it doesn't last that long.  Much of the world is ice age conditions during the war, people starve, whether you go first or second. So most of the weapons in our submarines as well, highly accurate weapons, for killing Russian ICBMs also again, like our ICBMs, and the ICBMs, which are vulnerable unlike the sub-launch missiles and ICBMs, each of them is capable of causing nuclear winter. And the ICBMs in particular, that is, they constitute a doomsday machine. And the ICBMs are the hair trigger on that doomsday machine, the ones that compel the president to consider launching on tactical warning within minutes. In short, it would be worth $100 billion or more. What would it take to get rid of them? In other words, to hire people, and you may have to do that in a transition period for the workers to retrain them, hire them not to build ICBMs. That would be worth a lot of money. It wouldn't take as much as actually building them actually does, which would be over the life of the new ICBMs, the 249, pretty precise figure they gave, but $246, $49 billion, a third of it, a quarter of a trillion dollar. So, but a hundred million in the procurement stage first that could be put to urgent needs, obviously of other sorts. Why is this happening? I would say for a little other reason than the effective political influence of these concentrated handful of corporations. So that's the problem. Can we deal with it? That remains to be seen, but it can't be proved yet that we can't. We don't have a record that gives us actual hope in commerce, which has been largely bought by the fossil fuel and the aerospace and such other concentrations of power, president as well, the media which reflect these interests. Can we practically speaking change it? We haven't shown that we can. We have reduced the actual number of warheads on both sides one more than 80% that looks impressive. It has not reduced the risk or the effect of a nuclear war between US and Russia at all. No difference. The ICBMs would make a difference. So I've used up my time here on a relatively narrow subject aspect of the Cold War, but I think one that we have to come to grips with. Thank you so much, Mr. Halsberg. Many of us on this call, I know myself were from Los Angeles, one of the seats of the aerospace industry, euphemism. And recently on PBS, there was a history of aerospace. And I remember seeing there that right after the end of World War II, when peace could have broken out, several of the heads of the aerospace industry, the war industry at that time went to Congress and basically begged them. They said, don't shut us down. Where, what will the LA economy do? And instead of having any sense of creativity or morality, they basically kept it running. So in so much of this way that it's a jobs program. I'm a high school teacher again and so many kids are being funneled into these jobs afterwards. Also, I train as an engineer and many engineers around the country all say it's hard to find a job in something that isn't outside of, in some way, the military industrial complex. I want to say that I saw recently a great webinar, Code Pink webinar, Carly Town did on a transition. So when we talk in the LA area about pollution, we need a just transition out of fossil fuels. We also need a just transition out of the war economy into the peace economy. Let's feminize our economy. But that's a great webinar and I would like to point you all towards that.


Now lemon peels are packed with high amounts of fiber, vitamin C, and provide 9% of the daily vitamin requirements of those and only 1 tablespoon. Additionally, it boasts a small amount of calcium, vitamin A, beta-carotene, folate, potassium, and magnesium. In fact, it has a whopping 10 times, that's 10 times, more vitamins than the actual lemon juice, hasn't it? That's impressive! It also has a compound known as D-limonene. Now this antioxidant gives lemon its characteristic aroma, and may in fact be the little baby that is responsible for a lot of its various health benefits. There is actually a large list of things that lemon peel can be used for, but specifically it's known to be highly effective against osteo and rheumatoid arthritis. Lemon peel is also great for various digestive and immune system problems, helping with a variety of gastrointestinal problems that include indigestion and constipation. It's also helpful for colds, flu, and even scurvy. Errr, there be no vitamin deficiencies here, matey. Errr. That's my hook. Now the bioflavonoids of lemon peels also help by strengthening the capillaries, which makes it a good remedy for high blood pressure, varicose veins, bloodshot eyes, phlebitis, and even hemorrhoids. And this is actually especially true when it's in a T. Now according to research by the University of Arizona, a lemon peel can actually help various types of skin cancer problems. And drinking lemon peel tea either on its own or with a green tea can help reduce the chance of skin cell carcinoma by up to 70%. Nutricianist Catherine Brookings says that some studies indicate that limonene and other flavonoids in lemon rind are directly linked to preventing the formation and spread of cancerous tumors, particularly cancer of the mouth, pharynx, larynx, and stomach. They are also good for acne, cellulite, dental abscesses, depression, diabetes, ear infections, fungus in your nails, gingivitis, heart disease, high cholesterol, obesity, osteoporosis, Parkinson's disease, sore throats, tapeworms, tumors, urinary tract infections. And wrinkles. Woo, that's a lot of stuff. Side effects. Dun dun dun. Now lemon peels have been known to cause the following. Nausea and vomiting, frequent urination, migraines, heartburn and ulcers, teeth erosion, and aggravated canker sores. Another very interesting one is apparently it can cause sunburns. How's it cause sunburns? Here's how. Apparently lemon peels contain various chemicals that when induced to the sun can actually help break down skin cells. So skin cells are on, bam, sun, getting it. Now the main thing to consider as always is moderation. Just never overdo it. Now for instance, lemon peels are high in oxalates, which when they react to calcium will crystallize and help lead to kidney stones. So people suffering from gallbladder problems or kidney stones are actually advised to limit their consumption of foods rich in oxalates. Now the recommended daily limit is only 80 milligrams of oxalates per day. And lemon peel has 25 milligrams of oxalates in a teaspoon. Now that basically means that if you have three teaspoons of it, you're hitting your daily limit. So I don't know who's gonna have three teaspoons of lemon peel a day, but if you're that person, calm down. Chill it out, okay? Just a little bit less and your gallbladder will thank you for it. Alright friends, that is it for today. If you have any questions or comments, please leave them down in the comments down below. Until next time, you guys get on out there and have a wonderful tea day. The tea's gone. Why is the tea always gone?


Welcome to the next big idea, an incredible journey of innovation, passion and game changing ideas. Let's see what this team brings to the table. So what are the ideas? Basically we use a set of filters and we have three MEPs to be sure. First is we have developed our own filters, our own indigenous filters, which is not dependent on the serotypic filtration process, but it is based on absorption process. That filtration name is aqua-clean, where the aqua-clean is based on zeolites and other ionicin reasons, which is the main component of removing the soap particles from the outlet water. Next is the RO system. You have seen a conventional RO system, where there is 75% waste of water and that's little too much. We bring our own designs, our own new patent, infiled patent model, where in this absolutely no waste of water and this 100% outlet of pure fresh water and the water, waste water re-incures and has pressed to pass. And next, to incur a difference, to have an interface between the hardware and the software, hardware and the customer, we incurred our own IoT model. Wherein the aqua-check system checks for four basic sensors, which is of TDS, PH value, diesel, oxygen and turbidity sensors and shows on the interface, live interface app, where whether the water is safe to drink, what's the condition of the water and all, and whether the filter needs to be changed or replaced or not. Come to the cost of the model. Well, when I say effective and cost efficient, it has to be. The prototype which you developed and which we are using under the testing phase cost somewhere around 50,000 rupees and these are the whole breakdown estimation of what the whole particle includes. Come to the maintenance. The maintenance cost is 6100 rupees, where the filter gets changed every six months and this is the whole monthly yearly cost for the product maintenance. So the main thing we require for the product is electricity and water and that's what we are solving here. The water bills which need to be paid by the industries and large MNCs like Vlondi industry and all, and it's a hefty amount which will be showing where the amount costs to. So what is the amount we are saving to and what is the cost of electricity and those renewable, non-enormous sources which we are using. So we have calculated the whole estimation, like where the electricity cost comes per day of 2.5 rupees. Where in the water cost, which is commercial use, we have taken at 31.2 litres of commercial water for per thousand litres, which is given by the Hindu as per the Maharashtra state. So when we calculate the cost of one washing machine which runs for 40 cycles per day for 15 minutes as a running time, the water cost per month given by the industry is 5,616 rupees. Along with the electricity bill comes somewhere to the whole estimation and we are saving a net worth of 46,000 rupees 914 per washing machine of the industry. This is the whole model we are based on. In short, as 31.2 rupees was the cost of per thousand litres, our product gives a cost of 10 rupees per thousand litres. Come to the business model of what AquaSol is based on. Well, we are working on the B2B business to business model wherein we have three types we are focusing on which is manufacturing where we are having our own manufacturing plants. We are having our own service-based ecosystem and we are doing everything on our own. Second is the partnership where we will be tying up with services like AWS and all for providing us with IoT services. And third is the IP rights where on right as us like initial phase we are focused on the IP rights segment wherein we will be giving our patent rights to the already pre-manufactured companies for naming a few like Bosch and LG, which is both in the washing machine segment and the filtration segment. They have their own whole ecosystem of filtration, whole ecosystem manufacturing. They will be manufacturing us and we will be getting loyalty from there for the product. What is the social enterprise of the model? Well, the social enterprise is based on the sixth UN sustainable development goals, which is for water cleanliness and sanitization. We also had a few talks with the companies like startup companies for the CSR funds and which like a big MNCs which will be funding us because we come under sustainability model. And next is the presentation support. Like AWS and IoT, these Microsoft startups as you have, we are a member of Microsoft's community from our college. We are getting the support of free IoT services and web services from AWS and even Microsoft. So in that way, we incurred the company cost to a very less amount. Next is what is the growth and marketing strategy? Well, the government partnerships. Well, so far we are present so where and we also have an offer by IT Madras Incubation Center TBI under the scheme of startup innovation. We can get grants from these companies and all. Next is the ergonomic city wherein we integrate with the existing systems. So our basic aim right now is to like washing dishes which are already available. We want to make the products so compact that these can fit into the outlet of these systems and it becomes as a single unit rather than an extension unit. Next is the communities and environmental officers. Well, if you go to the big changes in the industrial hotis like ITC, STAZ and all, everyone is acquiring environmental officers for their ecosystem where you connect with them. And they are the point of contact for us and for the big hotel MNCs and the laundry sectors. Coming to the target size, well, we are targeting a very niche market and it's a very untouched market right now because there is no proper solution for this thing and no one has ever thought because it simply gets wasted. But caring for the nature, we have thought the laundry sector in India is of 20,000 crores for financial 2023 which is based on the economic times data. And coming to the landomats, we don't have any data for India but in the US it states to 300,000 US dollars. Basically when the landomats have an average turnover of this much, their utility cost which consists of water and the utility cost comes to 70,000 which is like approximately 25%. So you might be confused where our target segment is. We are not targeting the big industrial areas like residential areas and all because it's too hectic to manage and all. We are targeting luxury hotels, resturants, landomats and laundry industries wherein the market is really big. Why yes, why Akosol? Basically Akosol, when I show the pro demonstration will be surprised to know how this thing is working and we want to really keep it a bit of secret because... So can you tell me in a short clip, what is your product? So basically our product is a hardware product. It is a software. It has set of filters which filter the soapy grey water. So filters what? So soapy grey water. So soapy grey water. Wash machine and dishwashers. Okay. Just one, just 30 seconds video which like we cannot bring the hardware over here for demonstration purpose. So that was a bucket which had 30% concentrated detergent dissolved in the water. For first it goes to sediment filter which is completely designed by your own which we have made changes and all are... Then comes the silver carbon filter which we have again. This is RO wherein there is no viscer of water and the water from the RO reverse RO goes back to the inlet because of the pressure difference which we have created and the whole system which we have developed on our own. This is IoT system for monthly system and that is the UV lamp. This is the back end of the app where... This is the back end of the app which shows the... each and every like whole customizer to customizer to which at what rate you want to show the ratings like the readings of the water system. What is the uniqueness of your product? The uniqueness, you might have seen RO. So there is 75% viscer of water. In our RO there is no viscer of water. First, there is no water outlet itself. What are you going to target on an audience? So for example you told that you do some patented technologies with RO, patented technologies with sedimentation and that's a different area of expertise that you needed. And then you say some kind of IoT devices that are being attached towards that and that is a separate expertise that is involving. And then you also talking about involving this with existing solutions like washing machines and compacting your product into a single unit and all those things. Again that is a separate set of expertise. So you are talking about multiple areas where that need to be concentrated and then should be channelized and then it should be converted as a product where even today if you take aqua filters or if you take an RO filter RO filter manufacturing company will be a separate company whereas the IoT devices producing company will be a separate company. All those things will be like a plug and play actions currently.  So I just want to know what is the innovation that you claim is what you tell it as a patented product. First thing. Second question I just want to know is why I need so much of intervention of IoT which I need to know only the quality of the water where you show me some boats and pump and all those things happening. So why I need an IoT device? Eventually if the work is seen that if you are involving what kind of sensors you are involving to ensure that the water quality is being done. And the thing is you have done that your claiming is so perfect. Like you just prove me with some test materials that you have done. So coming to the first question. So basically this product will be attached at the outlet like in hotel chains there is a lot of washing machines and they have a common inlet pipe. Outlet pipe it will be attached over there and that is a future goal to compact it within the washing machine itself. You tell me that there is no waste of water. I am not believing you. Tell me what you have done. I am not going to steal your idea but just give me a glimpse that I can't understand how you are going to do that. So we went to couple of research papers and all. So we saw that why is the water being wasted? The answer is it is not a waste water. It is we are not giving time or basically getting a pressure difference to further letting the water to pass through the filters. So we reverse engineered in a way where the water is again back pushed into the inlet of the RO and water is allowed to you know like we are leaving the waters from dinosaur age. It is reverse engineering which no one has thought. That's why I never you know say this thing because right now this idea is being used by Kent. I went to India switcher tycoon and they have taken me the rights. They asked me to get a patent right now which we are working on and I am selling to Kent right now. Kent has taken over this to be open very open right now. So next thing is you know filters they are based on separation method. So you pass the water the sediments are left but the aqua clean filter is not a sediment filter. It is an absorption filter. There's no absorption filter based as such in India. I would say it's based in US but that is not for soapy water. So we use ion exchange raisins as the soaps are basic in nature. We are using an acid ion exchange raisin to eliminate the soapy nature of the water. Second we have zeolites. So again it is a reverse engineered. I just got your idea. He gave me a good explanation. So my question is when you go for a claim like this. Don't say it is 100% okay. So 100% means zero waste. If you put 40% water also again you do the reverse RO filter. Again it will produce some waste. I have a reason for 100% claim. Not 100% I say 95% claim. But be careful with the stats because it is easily can manipulate me. If you tell me 95% of waste equally then okay I can say I can believe on you. If you say 100% means there is a breakage of thing like you are telling me. We say like 100% outlet with 95% purity. That doesn't sound well. 95% clarity. Because 5% would be remaining in the filter itself which is being sedimented. Why is this so much of IoT I need? What is the purpose of all those things? It is a very simple IoT I would say. So the purpose is just to know what happens. There are lot of water qualities when you use dyes. So we are giving a very large aspect when you use dyes and water. Every dye like cheaper dyes they have a different reaction in water. So just to know what is the turbidity of water like lot of dyes leave color. So as the ecological developed is from the outlet water it goes to the clean water to the underground water. So that it comes again as a fresh water you recycle it at home and use it for drinking purpose. What thing you doing like what you use sensors? You are using sensors. Basically four sensors. One is BH sensor. So because the water is basic nature you need to know whether it is neutralized state or not. Second is turbidity sensor. Whether to see whether the water is still clear. All these sensors are kept in which locate the water. So at the end of the filtration process. Outlet. Yes sir. So when you see. Okay. So to be very clear when this is the UV lamp the pipe of the UV lamp UV is outside the water pipe. There itself we are made holes and we are just this is the TDS sensor which you have the basically incorporated in the pipe itself. So as the water flows the sensor keeps the data and it projects on the IoT or on the screen which is even on the there on the product itself. Why are you making it so complex by using IoT? Just make me clarify. The customer should know the because they won't believe me right when I say the water is clear. Let it go. You need to see some proof. So this is one of the industrial proof I would say using IoT to say whether the water is clear or not. Basically using different sensors and such is just for monitoring the stuff so that the water that you are getting is actually pure. Because we are also saying that after six months will be will be actually changing the filters and all of that so that you can monitor it. Yeah. So you were saying that you are going to focus on luxury hotels, restaurant, laundromats, laundry industry right. But this product that you are talking about focuses on washing machines and your ergonomic city talks about talking to Bosch and you know incorporating a product to other MNC companies washing machines and so on and so forth. So we tried all our hands and all the things to know where the market wants. We got to know what the companies want the RO system incubators like IT Madas and these chemical industries want the aqua clean system which is the absorption filter. So we got to know that two main things which a product has. Now we are planning to go to patent these two right now and sell on these two things rather than making the whole product. This is what we have thought as of now. And right now that's one of the main reasons that we have to approach the LG and Bosch because they are in both of the industries. So they will be much more interested in the whole product than the individual splitting it. Yeah that's a good approach. Go ahead. All the best. And now it's time for judges opinion about the pitch. It was a good one.


We're zooming into the center of the sculptor void. It's the largest void in the nearby universe. This will take us to a place with as little gravity as we can find. Now imagine that you're in an elevator at the center of this great void. You're not accelerating. You're weightless in an inertial frame. Back to the bottom with velcro boots. You're holding a ball. If you let go, it would float in place. Now imagine that the elevator starts accelerating at a constant velocity. You will now feel a force pulling you down. Let go of the ball again. This time it falls to your feet. No matter where you let go of the ball, it will feel the same force and fall to the bottom of the elevator. In other words, at every point in space inside the elevator, a force is felt. This is a force field. The elevator's acceleration has created a force field inside the elevator. The acceleration of the ball follows Newton's second law of motion, that force equals mass times acceleration. Now turn off the engines to return to an inertial frame. You're not accelerating. It's dark. You turn on a flashlight and watch the light reflect off the far elevator wall. Start the elevator accelerating again at a constant rate. Turn on your flashlight and watch the light beam hit the far wall further down than it did when you were at rest. The light bends down. Now let's take a look at what a person outside the elevator looking in would see when we drop a ball and shine a light. The person outside the elevator is not accelerating. When the person in the elevator lets go of the ball, the person outside the elevator sees that it still hovers in place just as before. He sees that the elevator moved up to hit the ball. There is no force acting on the ball. There is no force field inside the elevator. And when the person in the elevator turns on the flashlight, the person outside the elevator sees the light travel in a straight line as before. He sees that it's the elevator's wall moving up that causes the light to hit it at a lower point. The light does not bend. Who is right? Before Einstein's general theory of relativity, we would have said the inertial observer was correct and the person in the elevator was fooled into thinking he is in a gravitational field. But according to general relativity, they are both right in their own reference frame. General forces have materialized for the person in the elevator due to its accelerated motion. According to general relativity, this gravitational field is as real as one created by the existence of a massive object. To see this, let's compare what the person in the elevator is experiencing and what a person at rest in a gravitational field would experience. We know that Earth's gravity near the surface accelerates objects 9.8 meters per second squared. If we set the acceleration of the elevator to 9.8 meters per second per second, the occupant would experience the weight he feels on Earth and the ball would fall at the same rate as it does on Earth. In fact, the person in the elevator cannot tell the difference between the two situations. Is he out in space, being accelerated by some force, or is he at rest on Earth, being accelerated by Earth's gravity? As far as the laws of physics are concerned, being accelerated and sitting still in a uniform gravitational field are equivalent. This is Einstein's general relativity equivalence principle. It is a generalization of special relativity that holds that the laws of physics were the same for all inertial reference frames. With general relativity, we hold that the laws of physics are the same for all reference frames no matter what their relative motion.


तुधे विवल प्रफार्म दिसेक्षन अप फ्रोग, फ्रोग बिलोंच तुफाईदम कोर देटा अप खलास आमफीभिभिया. फ्रोग बेसिकली आमफीभिभियंच है, क्योंके ये सोयल और वोटर दोनो के अंदर रह सकते है. उसकी सबसे बादी रेजन ये है, क्योंकि लिए थी है... वो स्लायम्ही होती है, वो सोग अपर मुकष गलांथ मो जोद होते है. और इं दो मुऊकस खलांथ के गईटा से ओप अगए डोन और नगी तो मोझष रे टी एह.  Okay students, इस से पहले के हम दिसेक्छन स्थार्ट करें, हम ये देखेंगे के हमें उसकिलिये कों-कोंसा अपरेटेस जाए. सब से पहले फ्रोग की डिसेक्छन जब भी आपने करनी हो, आपको चाए होगा एक बोड. इसे हम केते हैं डिसेक्छन बोड, ये वुटका बना होता है. एक हमें चाए है, फ्रोग, फ्रोग, फ्रेष होना चाए. इसको हम अनस्तीज्या देदेंगे, ताके जब हम डिसेक्छन करें, तो हम इसकी मुवमें को अवाइड कर सकें. इसके बाद हमें चाए है, नीडल, फ्रोग सैप, पेर अप सीज़र, आरोग़ नीडल, एक बाद नीडल कुछ तम पिंस पीच़ाए नेंगी, इसके लिम्स को अटटेज़् करने के लिए बूड के साथ, इसके बाद हम इसकी डिसेक्छन शाच करने से पहले, हम लेएंगे तम पिं, यह इस च्चचचचचचन के लिम्स को, तम्पिन के साथ, तम्पिन औड वुट बोड यूस करने का पैर्पस यह आप, के तम्पिन यसी लिए उ उस बोड के साथ अटाप्छ तो चाइं जाएं. सब से फैले हम यस के हािन्लिम्स को अटाज करेंगे. हम यस तम्पिन बी लागाएंगे, असी तरा हम इसके फाल लिम्स पे भी लगाएंगे अच्छे से उसको एकस्टन कर के ताई सेक्छन से पहले हम औरल कैव्टी अगर फ्रोग की दिखें तो उस में सबसे जो प्रोमिनेंट श्रक्चर हमें नजर आता है बहुत जेंचली करट करेंगे ताई जो उसके एकस्टरनल इंटरनल औरगन्स हैं वो देमेज नाउ तुब आउज दी माउद क्याव्टी हम इसको करट करेंगे उके इसकी किन बहुत जादा स्टिकी है, तो उस लिप्री होती है इसके आप फोर सब की है लें सकते है यसी � locality have a whats in my skin इसित्टना हम बहुतल के फिक लग बहुतनेंगे इसे आपॉट्टिs आप दालगтоб सब व्नुआद शंदब मैं स्पहते रबचा़ख।ं�babababababababababababababababऊश्टिम मोअउंईशापुष्टप 원래 दा अप Osman gör hypothेšास हंँ। प् сним हैंएआाााग। इसकिन मीखषाखतर्द मृूझदर, कराडारी है इसके अपर जिसको हम बलेज से करत करेंगे ये मिंब्रेन है त्फुप मैसंच्रीज जे ये अप सी हैं ये आप सी हैं बलेज मैसंच्रीज है, ये हमम्सन करमेन है that covers internal organs of frog. now we will cut the mason freeze so that we can observe the internal organs. After observing these skeletal muscles we will cut this part of skeletal muscles. This is the heart part that is called sternum. It requires some power to cut it. थो, कि आद में ज़ाग। कम खर्तखराँ, फो से, उबवित से ज़ाग। हाड चुर्क फ्लूग आपके, मुश्ण मेंगर द्हाँग विस् देख्याच वर्तis। अज़ि तो, आप आप प्लगे। छोद आप यहाड़ाग।हculiar is covers with a layer of kingdom that iscje쳐 as you can see the Bei Cardmium I have caught it with the arrowhead needle and I am pointing the needle over the Cardium of the heart. When we perform dissection we can see the Blood of the Prague अद्याट्री, बद़्ाद, योटी प्रद्यवाद और वगलोबन लेगा, रब बढ़़, और और लगाट्रीच, ये गोगाट्रीच ड़र्द, देखाड़, वागत लागदा, तो आब दोुगान, जो देखा रद, इस देखाच गाट्रीच, बद़्ाद तो आप दोगाट आद is 3-chamber structure that contains 2 aathriya and 1-menthikal. As you can observe that heart is beating, even though we have performed the dissection of the heart. After the observation of heart, we will observe the structure of lungs that are connected to the heart. These are the lungs. As you can see, these lie very close to the heart. Lungs are present in the frog, single-circuit circulatory system present in the frog. All the blood that is collected into the aathriya of the heart enters into the venticles and then it goes into the lungs for exchange of gases. As you know, during respiration, carbon dioxide removes from the body and blood takes oxygen from the lungs so that cells can survive in the presence of oxygen and can take energy in the presence of oxygen. After this, we will observe the structure of liver. Liver consists of 3 loaves. This is the left lobe, this is the right lobe and the middle one is the median lobe. Attached to the liver is gallbladder. Gallbladder helps to secrete the secretions that helps in the digestion of the food in the stomach and small intestine. Apart from the digestion of food, liver also stores glucose in the form of glycogen so that it can be used at the time of high consumption of energy when no food is available for the animal. After doing observation of the heart, lungs and liver, we will do the observation of the organ that is the part of the digestive system of the frog. For this observation, we will first remove some organs so that we can clearly observe the organs that are behind the upper organs on the lower side, that are present on the lower side. To remove the organs, we will first attach the skin with the common pins. We will take common pins, our dissecting tray to put our organs in this tray. We will first take common pin and attach it to the skin. After assembling the skin of the frog, we will remove the liver so that we can easily observe the stomach of the frog. After removing the liver, we will observe the parts of the digestive system. First of all, we can see that there is a large sac-like structure that is called stomach. Stomach is connected to the esophagus. Esophagus is connected to the order cavity. Food enters into the mouth, then comes into the esophagus after entering into the esophagus. It enters into the stomach. Initial digestion of the proteins takes place in the stomach. And this is the heart structure that is the pyloric sphincter of stomach. Stomach leads to the small intestine. All the absorption of the food that is digested completes in the small intestine. This is the small intestine. Attached to this stomach part and this small intestine is the pancreas. Pancreas helps in the digestion of food. Small intestine is the most elongated structure that is present in the digestive system. Small intestine leads to the broad part that is called the large intestine. Large intestine leads to the rectum. Rectum stores the waste of the digestive system and it leads to the opening of the frog that is called kleoka. Kleoka is the opening that not only for the release of digestive waste but it also helps to release the gametes of the frog as well as the waste of excretory system like urine. Along with the small intestine and large intestine, the plane is present. It is not only the part of immune system that helps to fight with the extra bodies that enters into the body and can cause diseases but it also helps in the formation of blood cells. After this plane we can observe irregular shaped dark reddish color curved organs that are called kidneys and along with the kidneys oval shaped structures are present that are called testis and they are two in numbers they help in the reproduction of frog. This heart structure is the vertebral column of the frog that helps to the frog in the movement. Along with the vertebral column as you can observe there and the stomach, mason trees are present and also a very major blood vessels that leads from the heart to all the organs of the frog so that blood can be supplied to all the organs and survival of the frog can be possible. So students, today we have performed frog detection. Dissectioning is the most important thing that we have to do is to take the frog as it is a life frog. Before doing the dissectioning you can apply two methods. You can do the pruning of the frog, you can damage its brain or you can give it chloroform and disable its movement. First we have observed the external parts of the frog. What was present in the external parts, what we have observed, its dorsal surface, its ventral surface, its limbs, its mouth, bulging eyes, external nears. We have observed all this in its external part. After that we have performed its dissection. What we have observed in its first dissection is the blood vessels which were attached to its skin. After that we have observed the thick layer of muscles on its abdomen that is called skeletal muscles. After that we have cut the skeletal muscles and we can see its internal organs. First we have observed the heart. After that we have observed the lungs. After that we have observed the liver. With the liver attached to the gall bladder. All these things help in circulation and digestion. After that we have seen that we can see a certain type of structure which is called stomach. It is connected above with esophagus. Below it is connected with small intestine. Small intestine leads towards a broad part which is called large intestine. Large intestine is used to store all the waste in the rectum and it is used in the rectum. After that we have observed some parts. After that we have observed the pancreas which helps in digestion. Thepline which helps in immunity as well as in the formation of blood cells. After observing all the internal organs what we have to do? We have to remove the pins which are attached to the limbs. We have to take a plastic bag and we have to discard the frog properly. We will remove thumb pins from the limbs that we attached at the start of this dissection. We will take help of force app to accurately remove the pins. We will take a plastic bag to discard the frog. We will just pick the frog. Carefully put it in the plastic bag. We will discard the frog like this and we will put it in the dust bin. Now you have to wash your dissection board and all the operators that you have used in your dissection and clean the table with 70% ethanol.