he research aspect we I think if you were here for the for our panel there's a lot that we don't know from how many people were actually going to service how many women are and girls are at risk we don't know how many girls have been back to their countries and come back that we haven't been able to identify what are best practices we don't have all the evidence about some of these best practices so research is a very big element that actually may be the first thing that we need to do so that we can tailor all of our interventions based on that research community based collaboration everything has to be anchored in the community of migrants and immigrants and refugees and the women themselves who are affected or potentially their daughters and then finally advocacy within our professional organizations we belong to many professional organizations so making sure that our organizations stand up for women's rights against sexual violence and specifically address FGM and what the organization policies are related to FGM when we can learn about it a lot from the UK and from Canada but I think we're just beginning to hold our own professional organizations accountable that's a brief way I love it Angela thank you I'd like to thank the education group I think we're a group of six or seven that worked on this and I'll be very brief we have four top blind recommendations the first one is for the US department of education to develop and disseminate FGM educational and training materials to schools universities the diaspora community groups healthcare professionals like she just pointed out police and others upon request number two that the US department of state funds educators to develop programs that engage the diaspora communities and help train young leaders both boys and girls to speak up against the practice of FGMC third and educational toolkit to be distributed developed and distributed to every school district throughout the United States and I'm happy to say that I was appointed to that committee pardon me to work on developing that educational toolkit and we are just at the finishing stage of it and we hope to officially launch the toolkit approximately sometime in January of 2017 lastly to develop an app an application for FGMC that works great for young people because all the young people even if they're in the remotest village of Africa they all have cell phones and they know how to use apps and I think that will be a great way to communicate FGM and educate people throughout the world thank you I immigrated to the United States 24 years ago I was able to escape FGM being initiated into the secret society in Sierra Leone in 1992 the mechanism that we have today in the immigration department didn't exist it was extremely difficult it was surrounded by secrecy so I'm especially very happy to be part to be the one to tell you about the immigration recommendations for the FGM summit which of course focuses on prevention number one is the increased distribution of information about FGM FGC through existing channels of immigration so of course the most important part is to break the secrecy and also to inform communities and the population at risk about that immigration in the United States can offer to anyone who has come here like myself 24 years ago and can apply for asylum we also have a recommendation for increased distribution of information for refugees from the countries where high prevalence rates occur and of course it has to be culturally sensitive and situationally appropriate the most important part is that we intend to reach all members of each family meaning that when we are handing out the information we do not only want to give the information to the head of the family who in most cases when they come to the immigration borders just give the passports and all the documentations for the whole family but we want to make sure that each member of the family including the women and including the children and all the children that we have handed out prior to their coming to the U.S. number three very important engage with U.S. located embassies and consulates all over the U.S. of countries having high FGM prevalence to raise awareness and send information to their nation nationals this is really important because this is a very effective way to reach the community in a very structured way and number four which is also very important is increase the U.S. government and civil society activities to educate so again is education education education from all angles and raise awareness through outreach events and of course the importance of using people who already have trust in relationships with the community who have long-standing activities such as activists of course people who are trained and if anyone else decides to come and speak from the different immigration departments then they will be welcomed because of the trust in relationships that already exist and also because the importance of the benefits that will be presented during the community meetings so in my case I work mostly with African communities in Los Angeles and while I was sitting here I received a text saying that on Tuesday at UCLA there was going to be meeting on African immigrants issues so it's extremely specific and it's very important because I'm going to have a platform to go and explain and let them know what we all discussed today so that's it for now thank you. I get to read the recommendations from the activists and before I start doing that I just want all of you to clap for me. Without you we wouldn't be sitting here. The four key recommendations and I want everyone to understand that all of you your voices are reflected in these recommendations from the girl generation to the Sehio, Maria and your team to the big sisters I know a lot of you have heard of the big sisters and maybe you're confused as to what exactly are the big sisters the big sisters are and the reason why we decided to start the big sister movement is for years people have been narrating our own stories and we haven't been able to do that and a lot of people are working for our interests but they don't understand our communities and they don't live in our communities and we appreciate what everyone does but we also know that we are the answers to what's needed in our communities and we are the only way change can happen but we know that one person can't do it alone we need each other, we need that sisterhood even if it's not about resources but it's about if I have an issue who do I reach out to in the middle of the night if something is wrong I can call Dumtela I can call Ifrah, I can call Gift I can call Salimatu, I can call Lucy Ann, I can call Lisa in my team you've heard a lot about Jaha today the success that I have is not because of me it's because of my team I think I'm the most useless person on our team I do a lot of the talking and a lot of the ranting but they do the work every single day I wake up and say this is what I want and a lot of times I'm not the one that's doing that work it's them right there and across the room they pulled off today and if I sit here and take credit for what happened today it's not because of us and not just our team but the Equality Now team and our network and our donors and I want all of us here to leave here knowing that this wasn't my thing it was all of you and I can't thank you guys enough and I know I've driven all of you crazy and some of you stopped talking to me in the last few days because of how stressful it has been trust me half of my team wasn't talking to me but you've heard of one of them which was Maria she's the most smartest person that was behind the law in the Gambia after meeting Christian in Kenya but I'm gonna go on the recommendation because if I start talking about my team I won't stop the recommendations that came from the grassroots um activists is we want donors to trust grassroots activists to make the appropriate decision in terms of program structure and funding flexibility in their communities we want everyone to start looking at FGM not as a stand alone issue but a part of violence against girls and women that cannot be solved unless it's integrated with other issues it's linked with such as child marriage by going into communities that's part of that but we also want people in this room especially the advocates one thing that kept coming out is model replicacy if you know of another advocate that has done work in their community that has been successful you don't have to start scratch let's get rid of our egos let's start calling one another and asking each other how did you do it when we pushed for the law in Gambia people don't realize this but the idea came from Kenya it came from Christian and the DPP that's how we accomplished what we did she told us to test our laws and Maria spent all day in her office to try to figure out how we can test our laws in the Gambia she went back to the Gambia and worked on that and eventually we didn't have to test our laws because our government heard us and even I have that issue sometimes where pride keeps us from reaching out to the other person and saying how can I learn from what you did before we leave here we have a reception if you've heard from someone today that inspired you that moved you that you want to learn from it's not about egos no one knows it all ask them how they did it ask them to share their reports ask them to share what they did so that you can do the same thing in your community at the end of the day where we come from and our goal is the same and our vision is the same and what we are trying to accomplish is the same and together we can do it we can't do it alone and the last point is making sure that the movement is sustainable we can talk about ending SGM but if it's not sustainable it's not going to end thank you so actually just a quick I want to do two rows of very quick questions 2017 what needs to happen is each one of these groups going to do to get us closer to ending FGM by 2030 Jeannie you have like quick 30 seconds I think we're going to continue to work that's been undertaken as a group to continue to think creatively about law, law enforcement, child protection all of those as allies and tools to figure out how it can provide clarity around people's rights and to figure out how we can come up with some really concrete and even as I say pilot moments for collaboration I think one of the things that was mentioned in the New York example was the Child Protective Services had there maybe also mentoring the Child Protective Services head in Miami what is it that we can do that we can walk away from these understandings and say okay this here now and then maybe we'll ripple and replicate as we can Mariana number one we want to create a training tool a standardize a training tool that will be like for each sector we're going to target four sectors medical, education, law enforcement and social services but because the goal going to be different so we're going to make each for each sector a specific training tool that's one and number two we're going to come up and that's going to be very soon two pages of like a fact-shift information on FGM that we will distribute to many service providers including pediatricians, doctors nurses and JFK airport I'm so glad you are here and so that people know it is a crime, it is a problem and it is happening in the United States we want to build the group larger so we're going to invite more people and we're going to create kind of communication between service providers so referral going to be easy between service providers in the community you need a service you know where to send people we want to know who speaks which language who's working with which community that will make the work easy Rachel sorry well knowing we have very limited time I would just recommend that everyone pick up our policy brief on the resource table outside we have outlined a lot of our recommendations here it's very pretty if I do say so myself and we have recommendations on global health, education and under equality I would just say we are going to keep fighting on this issue and we are going to be educating all of our new champions to come and working from a foreign policy perspective to make sure that US dollars are going to really targeted interventions that work ready? I think in fact for this summit we brought together a very interesting and collected group of people from all specialties so I think for us the goal would be to maintain the momentum keep working together and maybe create a virtual network where we can exchange ideas, best practices and think about next projects, research and advocacy projects I think people have already stepped up to own some parts of this agenda so I think we are going to move forward with that continue to push for education in the schools until the US Department of Education decides to to include FGM in their curriculum that's the main thing that we are going to push for and we will just continue to develop these relationships and as Jaha said we have to work together we have to collaborate in our plans to do things how we will make it happen before 2030 for the immigration group we plan to concentrate on very intensive education and outreach within the affected communities and for 2017 we are planning on a publicly available national database of resources and of course all this is aimed at prevention and of course education being the key education not mutilation I would say for the activist group it's important that we fill out the form online that has the contact information and your bios chances are let's keep in touch when we leave here let's not leave here and not talk again if we have to create a WhatsApp group wherein we all say in touch let's do that I think that's one of the recommendations that I would make and fate and her team are here and I would say find out more information about that as well before you leave there's a lot of knowledge and a lot of resources in this room and don't leave without doing that if you're interested in learning more about the big sister movement it's just an idea for now but sign up once we have something concrete we will reach out to the sisters in the room and Jerry Campbell I heard you, you want a big brother movement for now be a big sister then we would move to a big brother movement last question, sorry guys that's for the reception, no questions this is a non-question panel except for up here can we end FGM by 2030 absolutely of course, absolutely yes together we can so we have 25 seconds I want to let you know also that these panels really were built on government and civil society collaboration and we, if I wish to have one thing that we want to do is ensure that that goes forward that we work together that we make this happen that all of these sectors, this is the multi-sectoral approach in this room on this panel and I think that what we really want to do I opened up at the beginning of the day and said staying together is a beginning keeping together is progress and working together is success thank you thank you to our donors thank you for being here you blessed us yesterday and I think I'm going to lose my voice after this but it would be a shame to leave without thanking you and we still have one last performance so don't leave if you're interested in dancing so I just I'm going to actually tell you also part of the one of the goals for this was to launch a U.S. network to end FGM please send your information as we also said we've asked everybody who is registered to share your contact details in a small bio please do it we will share it with everybody who has been in attendance and if you want to opt out if you haven't let me know I'm going to assume that you've opted in and I think that the idea here too is we want to stay together because together we can and it's I think we'll just close out because I want to say a huge thank you a huge thank you to Jaha a huge thank you to the Safe Hands for Girls staff a huge thank you to the Equality Now staff to Human Dignity Foundation to Wallace Global Fund to USIP it has just been a group effort of everybody coming together Shelby can I say one thing about Equality Now so Equality Now funds our programs in Atlanta and this morning they renewed our grant for our Atlanta program so Mamha can support the girls from Atlanta who are also in this room Giselle I don't know where you guys are but if you're here your program has been renewed which is very exciting for us so I want you to thank Shelby and give Shelby a hand she has been an amazing partner to me and yeah she has been there so it hasn't been a single journey we have done all of it together and we will continue doing it together until FGM is over yes and one other thing that we heard and I think it was excellent was some of the discussions were provocative and if that said anything to me it means we need to keep doing this we need to do this again and again and have in-depth discussions because we don't know all the answers but we're trying to figure them out we have a reception outside congratulations it's been amazing


Hey guys, we got Kyle here, we'll start off with D-Led. Yeah, Kyle. Get my recorder going here. Yeah, you know, Coach been talking about the Buffalo safeties and matchups and so forth. How do you see the tight end? How do you see the bull, the bulls defense from your vantage point? I also say it's a great defense, you know, the front memory sound, they play, you know, various types of coverages.  OK. And, you know, what would be some of the keys for you all to, you know, get flowing against the number one ranked defense in the league?  Thank you. Michael. Hey, Kyle, how are you? Happy early New Year, man. Same to you. How are you doing? I'm good. So this is more of a future-looking question for you because I know we've talked about various things over the last few weeks. When you look at kind of what next year could look like and what the offseason should be for you. Have you kind of thought about an area where you're like, yeah, this is where I need to kind of figure out or this is something I need to figure out between year one and year two for me? I would say right now I'm worried about this meeting is coming up. I'm not worried about next year. I'm not worried about tomorrow. I'm worried about what's going on today.  Not, you know, looking into the future, the past or just worried about what's going on here in the present. Yeah, I wasn't sure like at what point in the seasons do you start to kind of like, whether it's even during the season, like, you know, like maybe they know it's like, okay, yeah, I need to maybe work on this or that or if that's all post-season for you. I mean, it's definitely as I think I should, you know, like when I get to that point at the end of the season, that's when I kind of reflect and I'll talk over with my coaches to be right now. I'm not kind of, you know, thinking about the offseason or something for next year. Okay, cool, I appreciate it. Thanks. Josh? Hey, Cal. Was any part of your decision to go to Florida because you were tired of playing cold weather football? Yes. Yes, it actually was. Weather kind of played a role, it played a huge role in where I was going to go to school. I always wanted to play in the SEC, where it's hot year around. And it's, you know, the best brand of football, but I have played in the cold all, you know, every year leading up to college. So this will be the first time I'll be back in some real, real cold weather. I think the last time I played in the cold game was Mizzou, my sophomore year. So it was brilliant. But I think it was like the last time I really got a chance to even see snow or feel that cold. Do you feel like it affects you or is it just one of those things that you'd rather not do, but once it kicks, you know, you don't think about it or is it something you have to mentally make yourself work through during a game? I mean, it's definitely, it's just snow or it's just cold and you're running. Now I would say just, that's what kind of keeps me warm. As long as my feet are fine, I feel like I'm fine. Thank you. Fred? Kyle, yesterday Lee was talking about one of the things he's been so impressed about you is how you essentially have played, you play like every positional offense except for quarterback and running back. How has it been difficult for you to learn the offense and learn, well, not difficult, how have you learned the offense and learned to play the many positions? How, I guess, has it been challenging for you to do that? I would say it kind of started in OTAs, just trying to learn, learn, you know, whatever they asked me to do and just repetition reps with Matt, talking to the OTA guys, finding out different ways to study, whether it be note cards, like slides on the iPad, just going out walking on the field with just Matt, just finding different ways to kind of, you know, learn it best and, you know, so that I know it like, you know, forward and back. Was there certain strategies that worked better than others or were there certain people that helped you? Definitely. Matt, me and Matt used to go out before practice and we'd do like a little mini walkthrough or he'll just talk through it and I just, you know, tell him what I had. Dila, do you have any follow-ups? Yeah, sure. Yeah, Lee was also talking about, you always call him, you know, he can't get the lingo right when you're talking to him. He said you called him green or he said you might call him a boomer. I don't know what a green is, but I know what a boomer is, but what's some of that conversation y'all have that crosses the generational gap? I don't even know what a boomer is. He's pretty hip, don't let him fool you.  He's hip with everything. I mean, I am younger, but you know, we all kind of speak the same. All right, thank you. And is that a painting of you? Yes, yes, yes. The family had it done, kind of. It's nice. Thank you. Thank you. Michael, any follow-ups? Yeah, I'm sorry, there was no fun. Thanks for your look at my background Kyle. I apologize. I want to ask about the snow thing for a follow-up on the snow thing.  Like as a kid, like did you play a game like in like a foot of snow or anything like that ever? Like, was there one of those experiences for you? State game, I see you, I think I had a little snow. Or it just got done snowing. Yeah, I know, I meant even just like in the park, like with friends, like if you ever had like one of those like Sandlock games where you like played in like eight inches of snow, what that was like for you? It was fun, I was young, but I was just back then, then I was slayed. I wouldn't really play. Oh, you would rather get sledding? Yeah, I like going down the hill. I don't play any, man, it's awesome. Thanks. Josh, anything? Yeah, I'm good. Thank you, Kyle. Happy meeting you. Chris? Yeah, just following up on what I asked earlier about the learning the offense thing. Is there in terms of just your, I might have asked you just before, but in terms of your adjustment to the league and learning different situations, were there other people outside of MET, whether it be around the league or people who might be retired or elsewhere that you also leaned on for help? Definitely, I have, and I feel like I'm blessed to have other friends that are in the league.  I mean, cause we're all kind of going through the same thing, trying to learn to play book and camp and all that stuff, just keeping in touch with them, just trying to figure out how they maybe learn or like other tight ends in league, I'll hit up. Who's giving you the best advice? I wouldn't say one single person. I feel like everyone kind of has different grip, you know, influential advice. Thanks. Awesome, thanks you guys.


Yep, it's Friday and that means FNA Friday as always and today we're gonna talk about how an environment can make your animation better To lofty statement better. Well, let me explain. This is going to be a multi-part series kind of like how to take your animation to the next level It's almost the same like an unofficial part 6 But I think an environment is something that people don't really pay attention to enough and I understand like in class You want to give your students just enough so they can learn something new and you push them without getting overwhelmed So you don't have moving cameras. You don't have too many crazy props and also not Complicated backgrounds and things you have to interact with I understand it can be too much It can be overwhelming totally get it now. This is for you who is at a stage where you want that you want more Again, you want to push yourself and kind of see what could I do with a character and why add an environment? So the multiple things I want to talk about one is how the environment is going to affect the character in terms of this could be Weather it's a lot of things about the weather. This is going to be for next week or in two weeks But today I'm going to talk about how your acting choices are going to change depending on the environment meaning and it's a very specific example I'm going to use continuum here and man on the ledge to kind of illustrate that point But the example that I was making class is let's pretend you come home And you're tired and you stick your clothes off when I go to bed and there's a very clear difference And I'll take that same idea you're tired You just want to go to bed, but you're in a hotel and you've never been in that hotel So when I'm home, I just I know where my plugs are I can just kind of come in and then turn on the light like this and then do this like that It's kind of like Robocop when he does the whole maybe even in shoots like this Isn't have to look because it's all targeted and programmed kind of same thing I come home and I know where things are I can just throw my stuff I don't really throw my stuff over there But you mean like you know you're very used to and you kind of have a blind understanding where things are now Take that same idea and you're in a hotel You're the first time in that hotel. I walk in. I don't even know where the light switch is I have to look around and go. Oh, it's over there. Click. Well, where do I put my clothes? Where is that the closet? Oh, that's the closet if your character Let's pretend your assignment is your character is tired comes home home Wherever that is and puts the keys on the table and sits down. How about that just something simple Well, if I come home, I can just throw my keys somewhere throw my shoe somewhere over the couch or somewhere Something funny and then plop down and this could be I mean could be long or fast But there's a specific way of how I'm going to move how long I'm gonna look at something or not look at something Versus a hotel where even though I'm tired I still have to kind of come in but I'm gonna fumble and I might fall over something or trip over something To just to find the light switch and go, okay. Well, where is this?  It's the same action. It's the same objective that your character has I need to sit down because I'm tired But the way you go about it is gonna be different if you are an environment that you're familiar with where you've been and done things Hundred times thousands of times verses and environments that it is brand new you were there for the first time so that whatever you look at You have to find it you have to understand what it is and where it is So when you look at the show continuum where the character is in a hotel for the first time She's from the future as a cop was thrown back into the past. So whatever she does there. It's kind of for the first time She's not really aware of how things work So looking at that she walks towards the bathroom when I'm being very picky because She looks over here now. This is the first time. She's there. She doesn't know that the plug is here But she acts like she's done this maybe a couple times So this could be like the fifth take or something acting wise So she knows what it is maybe the first time she's done it differently or she didn't really quite think through or some something's not important I mean, I'm being super picky here But if your character is somewhere and they don't know where things are so for the first time like in this bathroom I would not do something like this where the character knows exactly where that is But the thing is when she continues, she's in there looks around she's not sure Hmm. Okay, this is how things are in this time period. What is this looks like? So maybe that smells good. So throughout the rest of the episode. She has a lot of things where they're consistent She's never done this before and then in this case, it felt a bit weird where it's a very casually I know where this plug is and speaking of hotel the other example is gonna be from man on a ledge Where we are actually in a hotel. So let's take a look at this character comes in here And he has to look where that plug is and then gives him this and so on and so on It's a longer sequence But I'm gonna spoil this because when I was first watching this and it's kind of specifically after talking to students about this Why would he do this if you are working in a hotel and you walk into those rooms? I don't know how many times you know where that plug is or the switch You would just open and switch on the light like this. You wouldn't really look but you're so uses kind of a routine So I was watching this going It's kind of weird. That's not what I would have done But the spoiler is that he is his dad the kind of pretending and that's just a costume He is actually in here for the first time. So you could argue. Maybe this makes more sense I don't know again. I'm being picky But I wanted to pick out those two examples because that's what I was bringing up in class You're either this pretend you're at home or you're at a hotel one is for the first time one You're very familiar with so when you do have your character and this could be character walks into a kitchen Maybe it's a person that goes to a friend's house or apartment or whatever where one character is very familiar with everything And the other character isn't this could be an interesting contrast of how one character sits down move things picks up things Without looking behind their back, whatever it is while the other person is more careful Maybe more nervous. So this could be an interesting character trait and contrast between two characters and again But what the character knows or doesn't know about the environment is going to change your acting choices So next time you have a character in the room or whatever it is or outside Think about when they grab something my grab this remote for my fan because it's really warm You might hear it is but the way I picked this up and I know where I have to point This is going to be totally different than you know, for instance the the lens cap For this is I'm not if I'm not familiar with the camera or the lens am I going like oh, how them I want to scratch the lens. It's not be totally different. So whatever prop you use Whatever thing you have to turn on or turn off. It's going to be different and think about the timing How is the character picking up the remote? Is it a casual thing or is it kind of for the first time picking like this? So whatever you have the timing the movement the pose It's going to tell the audience if that character is familiar with it It wants to be careful with it or or be more casual Every single frame counts to tell the audience how a character feels how they're aware of the environment or not aware and so on and so On and I think that's a really cool thing to do when you do have your animation And you do want to choose a set was again in some exercises You don't want to set you just want to keep it simple no camera movement just a curtain empty scene I totally understand well Let's say in your class where we are you have the freedom to actually use a set then I would think about that Well, what kind of set is it is the person if for the first time or not again as the classic thing What happened before what's going to happen after maybe this set is familiar But then the character finds something in that environment. That's brand new. I haven't seen this before and again That will change your character choices. You're acting choices and so on and so on and to me that makes the character choices More interesting and again It kind of puts the character in the environment where they're more aware of things and you can play off of the Environment if that kind of makes sense So it doesn't just feel like well Here's my character animation with the character doing whatever to camera and it's kind of like a photoshop background of the set So if you do have a set use it use it to your advantage use it to make more interesting choices for your character and then Influence the character and their acting choices and there's a lot more you can do again with the set in terms of How even it is and just the way the set is built But that's a future FNA and next week I'm going to talk about different aspects of how character can be influenced in terms of Stuff that happens around them the weather the heat all kinds of things So there's a lot more to talk about but I want to talk about this in this first one because it is a big thing Your character whatever choice you have you have to think about why why is this character making this choice? And it's this choice because of some emotional state or is this because of some environment? Imagine a classic horror movie where someone turns on the light and the light doesn't work for the basement And then they have to kind of walk down because they're scared again Totally different if the light is on or not so context and environment really matters So that's it as always if you wash your whole thing till the very end I say the same thing but still it's very valuable minutes and Dozens of minutes of your time in your day So thank you for watching if you like this gift is a like and if you want to get all the notifications as always Subscribe hit the bell button for all the goodies and uploads and notifications and all those things that I say at the end Because I don't want you to miss anything that I upload So thanks for watching and I will see you either next week or whenever you decide to watch one of my clips. Thank you


Hello once again and welcome to the third and final episode of this three-part series on retirement planning. The series is brought to you by the Eastern Caribbean Central Bank, ECCB in collaboration with the National Television Network, NTN. In the first two sessions we had an opportunity to touch on transitioning into retirement, estate planning, maintaining property value, insurance and NIC benefits. In this third and final series episode what we will be doing is attempting to tie everything in together and we will be touching on financial planning, creating growth and protecting your wealth. I am your moderator, Elijah Williams and with me my esteemed panel of guests to my immediate right Mr. Omar Woods-Smith, Business Development Officer for Citizens Investment Services Ltd. We have Mrs. Tecla DeToeville, CEO of Celestial Self-Development Center and Attorney-at-Law and Ms. Trudy O'Glasco, welcome, thank you guys for joining us. We can start with you, Mr. Smith. From a standpoint of financial management, you know, people often time when they get to retirement age start figuring it out in terms of how do they manage their finances, what allocations are made, et cetera, from a budget standpoint, et cetera. As the finance person, how would you advise that one goes about and what, within what timeframe do you think one should start, you know, planning financially for retirement? Right. Thank you, Eli. One of the misconceptions that a lot of people have is that financial planning or financial management are for individuals with wealth and that's not really the case. Once you earn an income, which is most adults, you should be practicing prudent financial planning and prudent financial management. And financial planning and financial management should really tie into your life's goals. And as you move along in each stage of life, there will be different goals that you're trying to attain and you can plan for accordingly. So let's say from the age of 18, between the age of 18 and 25, you're probably trying to achieve a certain level of education. That involves a cost. So you can start planning from there. Beyond that, let's say from 25 to 35, you're probably trying to have some savings, acquire some land, get married, start a family. All these things require financial planning because it's not wise to go into these sort of transitions in life about understanding the implication for your finances and the costs involved.   This is how much I earn. How much do I need to save to meet the down payment, to pay the legal fees, and to deal with any other costs, paying the valuation, paying the bank, what are the costs that I need to cover? Okay, X. I need to save an additional $30,000 in the next five years. How do I go about doing that? And that's the sort of way we have to start thinking. So the same applies to retirement. The same applies to retirement. Now, this plan, planning like that will take you throughout life with the ultimate goal being ready for retirement because at the end of it all, you still have to retire. It's never too late to start planning for retirement. So why do you have immediate goals in front of you? Like I said, it should be attached to goals in front of you. You'd have short-term goals, you have intermediate goals, and you have long-term goals. The long-term goal being that of retirement. It depends on where you are in terms of age. Mrs. DeToeville, oftentimes you find people approach retirement as just another phase of life, not necessarily taking it from the standpoint of, as Mrs. Smith was saying, the financial implications. When they get to that age of retirement, oftentimes when people start giving some serious thought into retirement, from a psychological standpoint, how do you think that affects an individual not being properly prepared to face retirement age? It could have some serious implications. The way I see it is that we should begin to think retirement from the time we start to work. And so it's a question of the mindset, and I think organizations, when they employ people in terms of the orientation, should really begin to condition, to have people begin to think that, yes, I'm beginning a job now, but there is that ultimate goal. And like Omar said, in terms of that long-term thing, so you begin to think about it. And because the better prepared you are mentally, the better you would be able to handle the challenges of the joys that come with retirement. But it's something you have. It's a case of if you have been conditioned, you've been given the information. So organizations can maybe bring in specialists, finance people, people in investment, legal people to come and just give staff the information, give people the knowledge so that they can prepare themselves mentally. So when they get to that place, whether it's by choice, they could say, well, I choose not to work after my retirement. Some people do that. But it should not be that you get to the point where you have to work because you have not planned sufficiently. It should be that you choose whether you want to continue to work or not. And you can only do that if you plan properly and if you condition yourself in terms of you aware of what it entails, what you would require, what your finances are, where you are in terms of your own financial standing. And so all of this would help have that mindset. So when you get there, it's not something we should wait two years or one year before we retire. Or I'm retiring next week or next one, then the next couple. Let me start doing something. It has to be continuous. It has to be ongoing. And we should prepare ourselves mentally because it does call for some changes. You raise an interesting point in terms of organizations advising employees to be prepared along the lines of retirement. How aware do you think most organizations are in that regard? Because very often we see organizations making investments and increasing awareness for current employees so that they can get the most out of these staff that are still working for them. And we don't often see them place much emphasis on preparing staff for life after the workplace. How sensitized do you think that the organizations are in that regard? I think most well-run HR departments would have a sort of retirement information or in a position to induct their staff in terms of what the expectations are. So maybe some organizations may decide to have a session maybe annual for people who are preparing to retire so that they know exactly what to do, what is expected. But if an organization thinks in terms of developing its people holistically, it's not far-fetched to think that because I'm not going to benefit from you when you retire, I wouldn't share that information with you. For instance, some organizations have pension plans. And with a pension plan, it may be contributory. But again, just to be able to provide people with information on an annual basis, say this is where your pension plan stands, this is where you are at now, this is how much you will get when you're on retirement. And so the people can make informed decisions as to how they live their lives, what they do, what they can afford so that when the time comes, they have something to do. So some people have pension plans and some people don't. And some people have to depend on NIC. And it's not usual for people to say, OK, should I go into NIC to find out how much I'm entitled to when I retire, even if it's 60 or 65. And we have to take responsibility as well in addition to the organizations providing information and maybe exposing people to experts who could give them that information. I think as individuals, we have to take responsibility for our retirement because it is a big change. It is a big step. It can be very demanding. And if we're not prepared for it, we could really be heading, you have lived all your life and you've worked and then you're at a stage where you really can't make ends meet. And that is what is likely to happen. If there isn't that planning, that awareness, that knowledge, that, hey, I'm going to get there and I need to prepare for it. So from an HR standpoint, you think that should be an agenda item. Yeah. Because, I mean, like you said, there are a lot of companies, they have pension plans, but it is something that is more or less of a formality. The sensitization about retirement is a completely different kettle of fish. And so you suggested that, you know, HR departments, especially organizations that have properly structured HR departments should make that as an agenda item. Absolutely. Absolutely. Okay. We'll go to a break. When we get back, we will get Athena Law, the studio Glasgow, involved with the conversation. When the authority of the heads of government of the OECS and its other ministerial councils meet and adopt policies for the organization, they rely on the OECS commission to transform these into action. The OECS commission is the secretariat of the organization, a grouping of officials headed by a director general mandated to implement the decisions of the governments but also empowered to make recommendations on the strategic directions of the organization. The OECS commission organizes needs, prepares budgets, conducts research, undertakes projects, negotiates for and represents the OECS member states. It is organized along several components. There are the commissioners from each member state who along with the director general form the commission that oversees the work programs. There are also technical divisions with specialized units between them, as well as diplomatic missions in Brussels and Geneva. All these complement each other to make the OECS commission the engine of regional integration in the eastern Caribbean, the OECS has a proud past and together we are working towards a brighter future for all our citizens. For more information visit www.oecs.org. And welcome back. And again we are discussing retirement planning in this third and final series. Ms. Glasgow, state planning, that is a big thing. Quite a few St. Lucians will probably not aware of estate planning or probably think it's not for us. What do you say to that? Thank you for having me. Well, a large part of estate planning is just to organize yourself and as my two panelists have indicated earlier, you have to start early. So it's about financial, psychological and then the legal side of it. So for the legal side of it, one of the best ways you can plan your estate is to have a will because if you don't have a will, it means that you're leaving it to others to decide what happens to your estate. So making a will, as my father indicated to me, he made a will when he was 35. Now he didn't have a grandson at the time so I hope he's revised it. But it is something you need to do quite early and my father's now retired for five years. He planned his retirement. He worked for, he was in banking and he worked there for a very long time. In fact, he worked for two banks, retired twice. But that's another story. But the point I'm making is that you must start your planning early. Now the importance of wills really comes in because it gives the person making all the arrangements, in other words, the test data control. You can leave everything, walk in here and leave it to the two cameramen, whoever you like.  So it is important when you're thinking about planning for your retirement that you think along the lines of making a will. Very interesting. The law does not make provisions of people who are outside of your immediate family. Is that the case? No. The law does not, in other words, your family members, I mean the civil code, I'm still for deterrence at this moment, will speak to what happens in terms of if your children, and we did that in our segment in terms of legitimate children, etc. But your immediate family would be the ones, I mean you're married, we're looking at someone who's married and you pass away, then it would go straight immediately to your immediate, your wife and your children in shares. But let's say for example, you're strange from your wife. I deal with a lot of divorces so I can tell you this happens more likely than not. You're strange, you're living with someone else, and this someone else is now your partner and you want this person to inherit. You haven't made a will, it's going to your wife, it's going to your children and you may not be speaking to your children. So you can take control of the situation and not let the courts decide what happens according to the law. If you write to Will and say I want to walk in here and leave everything I own to Mangal, the guy who begs on the streets, or whoever you like. So you take control of what happens to your assets. Speaking of taking control, what are some of these financial instruments that one should consider when planning to get to that stage of retirement? Well, there are a wide array of assets that one can invest in. And again, I mentioned earlier that we have some misconceptions. You believe that certain instruments, certain investment options are for only folks with the means. And that's not the case. We can examine treasury bills, bonds. These are financial products that offer slightly higher return than what you'd get right now in the commercial banks. There's some higher risk, but let me circle back a bit. Again, it all falls into your plan. So let's say you have some money that you want to invest in. You can seek the counsel of an investment advisor. A portfolio can be set up for you. You say, okay, I want some of my money in the short term, short term instruments. Some in the medium term and some in the long term. And in addition to your financial investments, your bonds, your treasury bills, your stocks, there's real estate, which is very common in Senbusha. A lot of us, we invest in land and homes, and there's nothing wrong with that. The return on a home or on a piece of land or in real estate in general tends to be longer and a lot harder to convert to cash. So if you plan in for retirement and you're mindful that at the age of retirement, it's likely that you may need to do some repairs to your home or you may need to go to see a doctor. You may need some cash. So it's good to have some liquid assets and not tie up everything in one kind of asset. So a basket or good portfolio of assets is critical. A key instrument in retirement planning is what's known as a registered retirement account. Because these accounts tend to offer a slightly higher return. And the return is consistent depending on the institution. And there's also a tax benefit. A lot of people don't realize that. $8,000 annually is tax deductible. $8,000 in contributions. So it's a very good vehicle, a very good tool to use in planning for retirement. And a number of institutions, including ours, we offer that product in Senbusha. So when planning for retirement, I mean it's all encompassed. You look in towards the future but you're also helping yourself in the present because you're saving on your tax bill. You have additional cash flow now that allows you to save even more or consume if it needs to be. Mrs. Deterville, we have situations where people may get late mortgages and you have yourself in a scenario where when you get to retirement age your expenses are now exceeding whatever revenues that you generate at that point in time. How does one deal with situations like that? I think a question of being prepared, understanding what exactly you're going into. At retirement, your immediate income is reduced, definitely.  There are certain things that come up at you. We look at, for instance, you may have a car, you may own a car and that car, you figure where it would last, you know, maybe the next 10 years, it may not. So you may find yourself after five years looking to, you know, to purchase a new vehicle. Where is it coming from? You may own your home. I mean, fully paid, I mean, I always believe that, you know, by retirement you should really have paid for your home and if you haven't, the question is where would the monthly installments be coming from. And in addition to that, we know that, you know, as you own a home, that's not at all. We're looking at the possibility of, you know, termite infestation of your roof.   So these things crop up. And so you're in a situation where the expenses are there. Where is that income coming from? So as part of the planning, we need to be aware of these possibilities because your expenses do not reduce when you retire. You know, sometimes if you go, oh, I have a couple pairs of shoes. The shoes drive out, you know. You may just, you know, simple things like that. So you really need to plan your income and maybe sometimes we talk about a passive income, income that you may not necessarily, you can earn without necessarily having to be doing the hard work because again, by then, you know, your capacity to earn may have been reduced. So the planning is really, really critical and to know exactly where that is. So the investments are very important. Hold that thought with you for a break. We'll be back. Pamela, I noticed that you built your retaining wall on my property. You'll have to give me my land back or compensate me for that. My contractor isn't dumb. I trust that he will not build anything on your property. Where is your proof? Let's go to court. This situation does not require you to go to court. Looks like we have to go through mediation here. Mediation is a way people resolve conflicts like this. Someone, a third party, comes to speak to both parties. This person is called the mediator. The mediator is impartial. He or she makes sure that communication between both parties is effective and efficient. So the mediator is a judge? No, the mediator is not a judge. Mediators, unlike judges, do not decide cases or impose settlements. Let me get a mediator to handle this retaining wall and that kitchen. Kitchen? Yes, your kitchen also falls on my land. Let me call the mediator. Welcome back. We're speaking on retirement planning. Before we went to break, you were about to raise a point on... Yes, I told Mrs. Dito we were saying about really being prepared. One of the questions in preparing for retirement, one must ask themselves, how do I want to live? Do I want to maintain the sort of lifestyle I have now? Or am I willing to live at a lower level than I am right now? So it's really key that you spread your retirement investment. One of the things we have to focus on is... Let me see how many sources of income I do have. Okay, I may have a pension from where I worked. I may have an NIC pension. Is that enough? Will that cover my expenses? I encourage people to try not to go into debt as much as possible, close to retirement or at retirement. But the situation may arise, as Mrs. Dito pointed out. You never know. So in that case, you need to have additional sources. In addition to the retirement accounts that I mentioned earlier, you could have an annuity, a life insurance policy that has a payout at the end. There are very investments that one can look at. And as we were discussing earlier, looking at alternative forms of income, turning your home into a rent-part rental property and all these sorts of things. If you were a former teacher, can I still give lessons? Or can I do consultancy on the side? Because even as Mrs. Dito will indicate that you can have a house that's fully paid for, but just the maintenance of that property, you may not be able to... Can't put you in debt. You may not be able to keep up with the maintenance of that. And if you have kids that are grown and have left, you can ask yourself a question. What can I do to allow this asset to start generating some income for me? Because, I mean, there's some schools of thought that a house is not really an asset, unless it's generating income. Because if you were to leave the house, you still have to find somewhere to live. What do you say to valuation of properties, though?  What do you say? I don't speak of the term not being a true commercial banker anymore, but the banks have moved in a different direction. The valuations on houses are market-based. And that's a critical point because a lot of people may believe that their house is valued at X and it's really valued at Z. And it's important to know where you stand with the equity in your home because you may be relying on the possibility of selling your house to cover some unforeseen expense. Right. And you may get a lot less, or you may be forced to take a lot less, so that's critical as well. We need to always be aware of what our assets are valued at. One thing I want to add onto what Amai is saying is in terms of medical insurance. Oh, yes. When you retire, I mean, the likelihood of everything that you didn't have time to suffer from while you were busy and engaged begins to show up. And medical expenses have been known to really flow the best of us. So I think it's an area that people must be cognizant of to continue to maintain their medical insurance where it exists, even past retirement. Because the stories you hear in relation to what medical expenses could do to a family are really horrendous. So it's something we should be very much aware of. We did touch on that in episode two with the NIC, and we also had a member of an insurance company on board. Ms. Glasgow, a couple of questions for you. You spoke to your dad having a will from the age of 35. Does a will have a lifespan? As long as, that's an excellent question, as long as things don't change too dramatically, and then we need to go to our civil code for that.  So if you go from being married and get divorced, or you just get married after, and before you did the will, you've got to go ahead and redo your will because it's negated under our civil code. Okay, so it's valid. Rip it up. It's not worth anything. So the moment you change your marital status, that is a critical point, you must go ahead, go back to your lawyer, hopefully they won't charge you anything as long as everything stays exactly the same. I was about to ask that. Well, I don't charge my, as long as it's literally we're going to re-read the same will, and I'll get a colleague to come in, then we don't charge them anything. If they're changing the causes of their will, that's a different matter. But if we're literally reproducing the will just because their marital status has changed, then we don't charge them anything. And those are existing clients, of course, not to me. That's not a client of mine. So that is very important to know that because you may be comfortable thinking, have a will, but then hang on, two years later you get married. You have to go and do your will again. Okay, so the will doesn't have a timeline. Now you may go from being 35 to older, as in the case of my dad, and acquire more property. We do have a clause in there that captures that. So that if you acquire more property, you can decide what happens to that property.  If I always advise clients to have more than one executor, and lawyers get harpooned into being executors of wills and so on. So if you have a will, make sure you have more than one executor because if your executor passes away, again, you have a difficulty. So you need to go back and do the will and make sure that you have at least two executors who are living and hopefully in the country who can execute your will when the time comes. I don't know if you can quickly respond because we are almost out of time. Okay. But I would like to know, can a will be challenged? Yes, a will. That is a very, a will can be challenged. If your mental capacity is diminished, you have persons who are suffering from dementia, for example. You need to get them examined by a doctor in good time to make sure that the dementia is not so far advanced, for example, that they are capable of making a will. If they are known to be, there's their mental capacity is diminished then the will can be challenged, yes. All right. The time went by so quickly. I want to thank you guys, you know, for joining us. This has been an exciting series. I think you can look forward to the Eastern Caribbean Central Bank of bringing you more financial information in terms of how to, you know, manage your finances. This three-part series was based on retirement planning. Also, you can look out for the Financial Information Month that's in October where there will be lots of information coming out from the Central Bank and their partners concerning financial management. Thank you very much for being with us. Good day.


Hello everybody, welcome to my channel. It's Eva from Pohemian Crafting here again and today I'm coming to share with you a project inspired by, by somebody, a few days or maybe a week ago, maybe more. I shared a card which you can add to your journals which has that moving, moving part and it looks like envelope, like a closed envelope. Then I have received message from Sue Lawrence and she sent me pictures of her work. Look at that, she stuck two envelopes together and it looks like this when it's closed and like this when it's open. Amazing idea and then I received kind of, you know, same type of project from Michel. So a few of you sent me these pictures and inspired by all of you ladies. I've been thinking if we can extend it somehow it makes like evolution of craft and I came up first with this extension that you can actually add that top envelope to opening. So then we have this moving part and this extension and then I've been thinking a little bit more and now I want to do some, a few things, a little bit different way. But I came up with this and it can be also that bottom part and here we have moving part and also in that underneath and it's not too hard to make it. I hope you will join me today to create it. So this is actually inspired by you and it works all the time since I found this amazing craft family that I am inspired by you all the time and it works for all of us that we see something and then we twist it a little bit and it's like evolution. So what do you need to do? What do you need? What do you need to have to create a project like this? It will be envelopes, different sizes. I've got one small and one little bit bigger, the top one. It was, you know, bigger envelope. I just crop it a little bit to make it smaller to fit it to here to make it a little bit smaller. And I'm using this with window because I would like to have that, you know, point of view, something inside where I can pull out. Then you will need cards for your envelopes which you can fit inside in your envelope. So I have created those two cards. They are two layers of different card stock to make it a little bit stronger and both of them are smaller than my envelopes to fit inside. Then maybe some postmarks, maybe some stamps. I'm gonna use today these post stamps, first class and this one. It's from Inka, Inka, Inka, Inka, Inka, Inka, Inka do. And here you have the postmarks, the name postmarks and also the number of those stamps. I've got them for a long time. So I'm not sure if they are still on the market. Hopefully they are because they are beautiful. Then you will need some string to wrap your envelopes together. Hot glue, it's the good choice to glue that string and also double-sided, foam double-sided tape, it's a good choice to have, you know, to work with to make those layers. So first I forgot to create those opening papers. So I'm gonna just take some paper, something, maybe I can take this one. So to create those openings, you will need some paper to fold, to fold and to create that opening for your envelope. I mean this one or this one. So to create it, just take your envelope, take some paper and fold it in the size of your envelope.  It doesn't matter too much. So I'm using my envelope like my guide and the same I'm gonna do with that bigger one. I'm gonna fold it. This idea, I mean that first idea, was it from me? It was when I was watching Jennifer McGuire Inc. channel and she had there, it was a long time ago, I think two years ago, she created those moving cards for Christmas to wrap like a gift and that was a beautiful card. So that first inspiration was from Jennifer. So from that first Christmas card, we are now in many openings and you can actually do, you know, just a stack of envelopes, big stack of envelopes with all those movable parts and it's not too hard to create it. I'm gonna distress the edges of my papers with my scissors and also with ink to match it all together because my envelopes are t-died. They got that beautiful color. So I'm gonna use t-dye distress ink and I'm gonna distress all these edges on my papers and inside as well, both of them. And first I will start with that bigger. I will start like from bottom and to build up that pile of my envelopes. It will be just two envelopes but you can, you know, you can make it like those Russian dolls, you know, Matryoshka dolls where you can start from the biggest and when you open it, there is smaller and smaller and smaller and you end up with this small one. So you can build up this way, your envelopes. So we're gonna start from that larger one. What I'm gonna do, I already do have the card which I will put inside. So I'm gonna glue my envelope and that process is exactly the same, but I showed you in that video before. So this will be exactly the same. Just glue that envelope, stick all together, then cut a piece of that envelope. I'm gonna cut about one inch from the edge, maybe a little bit more than one inch. I'm gonna put a piece like this, one and a half nearly. I'm gonna glue my card into this small part, slide it in, make sure that it's in the end like this. Then I'm gonna slide my card to this pocket, one inch I guess, about one inch, yeah, like this. I'm gonna take a ruler because I would like to have that, we will punch the hole and I would like to have that hole kind of in the middle, am I still? Yes, and now I'm gonna punch the hole through to all those layers including that card. I'm gonna take my crocodile and punch the hole using that one eight of inch, like this. Now I'm gonna take the twin or the string, I'm gonna put it through to that hole and here on the top I'm gonna make a knot. I can slide it already inside very carefully, oh I hope I didn't glue my envelope somehow wrong, oh come on go inside, go inside, I think I glued that, okay I need to take it off, I think I glued the wrong way my envelope and I'm going back, slide it in, find the hole, put the string through and slide it inside that much better way.  Now I'm gonna take my postmark and I'm gonna glue this postmark here on this shorter piece on that smaller one to make sure it's just glued on that smaller piece, not here on this one because then I will be not able to move it out if I will glue it to both pieces so just on this smaller piece and I'm gonna take those stamps and stamp it a little bit to make it more decorative, I'm terrible with stamps so please do not copy my stamping, you can see that straight away that I took a lot, yeah that can do and here this one I'm gonna take that t-dye distress ink and just very, so I've got my stamping, now I need to finish this this string so to make that stack of envelopes looks like they are wrapped all together you definitely need to use similar or similar same string on all of them to make it look you know like they are all together wrapped with one string so put the string on this last envelope on this bottom envelope, do not glue it to that hole just glue it under that hole make sure it's glued properly so here I will need to put a little bit more glue because it's moving too much and then put one more string this way and it's good to start with this bottom envelope because that next envelope we will just copy where this string going here so when you have wrapped your large envelope take the folded part for your large envelope take double-sided tape or if you don't have foam double-sided tape you can take some chipboards or you know serralli boxes and put I don't know two three glutes together here around that string that movable string this one which is going out and inside so around it not on it but around it and just on this solid piece which is not moving not on that small piece if you have double-sided tape use foam double-sided tape use foam double-sided tape and because we could paper which is exactly same size maybe a little bit bigger than on our envelope we can cover all this all this solid piece take off that backing when you have that backing off try to imagine which way you want to open that envelope if this way or that way and then glue your paper so I want to have that fold here and I want to have that title when I will open my envelope I want to have this title here so I need to glue it this way and glue it to your envelope like this so we have movable part and because we did glue that paper just to that solid piece we have also that opening part and we gonna now use that smaller envelope I'm gonna glue the envelope glue it now I'm going to need a glutinine and I'm gonna put just small piece from the edge of my envelope just really very small piece if you do have that envelope knife it's good time now to use it and open your envelope here I didn't put it properly so I'm not gonna use my envelope uh glutinine again I'm just gonna open that letter how I will probably normally open my letters just flip it off you're gonna check my envelope if this I didn't do it don't play good it's open I'm gonna try my card if my card it's yes it's exactly and I wanted to put there some stamps so I got to hear my beautiful stamps from them holds this writing and I would like to have that writing be seen through to that window so I'm gonna take this and my block stamp and with my block I'm gonna follow the edges of my envelope here and here I'm gonna put the card it's nearly similar oh wish me look I'm terrible with stamping really like literally I'm gonna give it try so I do have my stamping I'm gonna use again distress inks and I'm gonna distress it all around a little bit not too much a little bit of bonus stain I guess just on those edges to make it possible to pull it out from my envelope I'm gonna punch the hole one side of my tag and I'm gonna put their eyelet fix their same string I'm using for wrapping a little bit more this one come on and same string I'm using for wrapping of my envelopes I'm gonna put here to somehow match it all together like this I'm gonna slide it in and I'm gonna take postmark and decorate this envelope the way I want so I'm gonna postmark and again some stamps like this and now we're gonna make a position how how you would like to see that on your on your stack of your envelope so I think I would like to see that this way so what I'm gonna do I'm gonna take a string and I'm gonna follow these underneath and these here so if I would like to have that envelope this way I'm gonna take that string and here I'm gonna put a little bit on that envelope just on the end and I have to be careful do not glue that back inside and I'm gonna put this thing here a little bit here like this and then I'm gonna put glue here I'm gonna flip it over this way yes and the string will be here so I'm gonna put glue here underneath just small amount not too much and secure it from here from that opposite side properly because here it will be not seen there will be that opening paper again so that's first string and same way I'm gonna work with that top one here I'm gonna cut piece a little bit longer so I'm gonna make position of that top one top string the way it will be on my envelope I think this way and now I'm gonna wrap this one small hold this end here put that end around the string here so I'm gonna put a little bit of glue right under that wrapped string to hold it on place right here just a little bit now I'm gonna follow this string here on my bottom envelope so this one will be wrapped here flip it over and secure it from the other side be careful when you are working with hot glue do not burn your fingers and same way I'm gonna do it with that with this string just very carefully do not rush with this so here I can see the string on that bottom envelope now I'm gonna just follow the space in there just right here like this so now it's time to use this paper and I would like to have opening again this way so I'm gonna glue it this way on my paper on my envelope here I'm gonna use just normal glue not just because it's leaking on my table right now you can use double sided foam tape here as here as well because of those strings but I actually don't mind too much I'm gonna glue this top to my paper and now we will need to put double sided tape or your serralli boxes on that bottom envelope where is my tape here because of double sided foam tape and again it will be just on that solid piece not on this moving part but just on that solid piece and be careful do not glue anything on this string because that string gets moving up and down so I'm gonna put one piece right here one piece right here because here I hope I do have the envelope yes you can make small marks using pencil you know underneath how far you can go but be very careful do not make that like big marks you don't want to see any unexpected lines on your paper and then just put that glue or not glue I mean foam tape or those chipboard pieces okay here I'm gonna use my scissors and again take off backing from your double sided tape and once you have once you have that backing off take your opening envelope and place it on your position on that position it's good to check your strings if they are on the right position be careful with this do not rush take your time to make it possible and you have nicely wrapped your envelopes with opening here and opening here and pulling up I think I glue it oh yeah I glue it a little bit here with pulling up here and pulling it up here make sure you will never glue this together with that envelope or with this bottom one it did happen to me don't worry it can happen so take your time do not rush and I hope you will enjoy it to make maybe big stack of envelopes so this is my sharing today totally inspired by I'm gonna show you by Sue Laurent Paltny I hope I'm saying that right I'm gonna show you again Sue come on Zoom beautiful amazing gorgeous envelopes and also by Michelle who tagged me on Instagram just bear with me I'm gonna open that again well it's taking time yeah and from Michelle you can find her on Instagram on the name by Bruton I hope I'm saying that right I will put links down below so you can have a look I will put links for Sue Facebook page so you can have a look where they shared their amazing envelopes so this is my sharing for today thank you so so much for all your inspiration it's always totally amazing I'm so happy that we shared this one because we can build up totally crazy and wonderful projects this is my sharing for today I hope you enjoyed thank you so much for spending your time with me take care about yourself and see you next time bye


The Asics Glide Ride launched in August of 2019 and is putting Asics back in the running shoe discussion for runners around the world. For years, many runners wondered, when will Asics catch up with the times, as the pace of innovation from the likes of New Balance, Hoka, Nike and others seemed unstoppable. That wondering ended this past summer with the arrival of the Glide Ride. Asics' thesis behind the Glide Ride is straightforward. The shoe lets you run longer while expending less energy. Is it true? I'll get to my answer in one minute. The Asics Glide Ride is a neutral road running shoe. Stack height is a generous 35mm in the heel and 29mm in the forefoot, giving you that sleek 6mm slope. For the weight, you're looking at 10.3oz in men's size 9 or 9.1oz in women's size 8. Let's just say the weight is not ideal. On the upper, the top of the shoe, Asics chose an engineered mesh approach. The material utilizes a multi-directional weave, which improves the shoe's ventilation and stability. The traditional overlays present in many Asics running shoes, which help secure the upper over the top of the foot, are also found in the Glide Ride design. These overlays reinforce the upper for additional stability as well as maintain the structural integrity of the upper material.  I'll say it now. I predict the 2020 iteration of the Glide Ride will pare down the heel counter, thickness and overlay action in order to reduce some weight in the shoe. Now how about the heart of the shoe, the midsole? The midsole on the Glide Ride falls into the neutral category, but after 120 miles in the shoe, I can confidently say that this midsole is stable and shares characteristics of a stability trainer. As I already mentioned, the Glide Ride midsole uses guide sole technology that strives to minimize lower leg movement, specifically the flexion of the ankle, and increases energy efficiency through a combination of a curved midsole platform, stiff forefoot thanks to an EVA propulsion plate between the midsole and outsole, and a forward rocking alignment. Lastly for the midsole, the Glide Ride center of mass is closer to the heel, speeding up the foot strike swing phase through the gate cycle. This center of mass technology reduces fatigue and your leg muscles, specifically your calves, so the runner can run longer with less effort. Lastly on the midsole, they placed a thin layer of gel in the rear foot just below the heel counter of the shoe to help absorb some of the impact through those long runs. During my Houston Marathon training, the Glide Ride naturally became the go-to shoe that I grabbed for out of my closet for my long runs. 20 miles, 22 miles, it was crazy. It's like I just always wanted to grab for the Glide Ride. I felt stronger and more in control of my legs the last five to six miles during my Marathon training long runs, which I credit, yes, to this new midsole design. Onto that outsole, the bottom of the shoe, where you immediately notice the large decoupled groove, which travels from the heel all the way up to the toe box. This outsole groove helps save some weight on the shoe just a little bit and assists the foot strike transition. For the grip, ASICS uses a carbon injected rubber creating a diamond pattern on the outsole. You'll notice that the entire outsole is covered with this injected rubber, unlike many other shoes on the market that choose to forego rubberized protection specifically in the midfoot area. This move by ASICS lends to my thesis that this shoe is built for the long haul. At least 500 miles of training is my prediction. Now I've only taken it to about 120, but I think you could get at least 500 miles out of the ASICS Glide Ride. And although the ASICS Hi-Aboration rubber completely covers the outsole, that does not mean the landing is hard, unlike some ASICS shoes of the past. Now why did the ASICS Glide Ride sneak into my top three road running shoes of 2019? It's that smooth as butter transition in the gate cycle. I actually had to hold back on my long runs in this shoe. Although the shoe is a little heavy, which I actually prefer for longer training sessions, the rocker shape of the midsole coupled with the outsole lends itself to a faster paced long run trainer. If you prefer a shoe with a little more mobility, or as I like to say that loosey-goosey feel, then the ASICS Glide Ride is not for you. It's definitely got a stabilized feel. And how will I use the Glide Ride moving forward? Middle distance and long run, specifically the 15 to 22 mile range at about 630 to 715 per mile pace. And that is on your screen in kilometers. Now is the Glide Ride worth the $150 price tag? Absolutely. From performance to durability, you definitely will get your money's worth from this ASICS trainer, which is available down below in the description. Now what's my final score for the ASICS Glide Ride? After everything I just shared with you, I'm going with 8.5 out of 10. Amazing, great score. And yes, I cannot wait for the next iteration here in 2020 for this shoe. That's it for today for the ASICS Glide Ride. For some more full reviews of running shoes, check out this playlist right here. And then if you haven't subscribed, make sure you do click on that icon right there. Alright everyone, thanks for being here, thanks for watching. See beauty, work hard, and love each other. See you tomorrow.