Bank of Industry Loans. Are they worth it? Time to make some hashtag good trouble. Back in April of this year, I shared a rant regarding my experience of applying for the Bank of Industry's Creatives Loan. This got the attention of CBN and BOI. But, lo and behold, one year later we are still no further along on this matter, and so I would like to talk about it. The fact that these loans even exist is a fantastic step in the right direction. SMEs are what keep this country afloat, and the federal government should be doing more to support. Statistically, it has been shown that women are a low risk for loans as we pay them back. The creative industry, thanks to Lollywood, has established itself as viable by its own blood, sweat and tears, and so it was about time it got some long overdue support. Then COVID lockdown showed the urgent need to depend less on importation and invest in self-sustainability in agriculture. Over the past few years, CBN and BOI have strategically put a focus on SMEs in regards to access to low-interest loans and funding, particularly in areas such as women-owned business, creative industries and agriculture. Now this all sounds great on paper, right? Finally, entrepreneurs and small business can get access to much needed support and funds. But, have you ever ordered something from the internet then when it came, it arrives and looks nothing like what you ordered?  Well, it's the same situation here. What they say about the loan sounds great, but reality is a whole different ball game. Personally, in our process, we have met some very sweet people in BOI and I agree there should be requirements and parameters that must be met. However, there are many hidden and unnecessary hurdles throughout the process, such as the system is antiquated. To apply for loans, you often have to use BOIs accredited intermediaries who are still working as per the 20th century and struggling with technology. Therefore, you are paying someone else to be able to apply for the loan, but you end up doing the work anyway. The issue of collateral. Most times, ability to access a loan depends on your ability to put up collateral because the bank is unable or unwilling to back loans. Look, I'm clearly not a banker or a finance person, but doesn't that defeat the purpose of being a bank? The process is also often robotic. A check of marks rather than thinking and reasoning when looking at individual applications and circumstance. This highlights a lack of reasoning and critical thinking in the process. Time factor. It takes literally forever to go through this process. How many businesses can survive the one year I've been going through this? Think of all the amazing entrepreneurs, products, ventures that were lost, the dreams and hopes of hard working young people that were dashed as a result. Now, don't get me wrong, there are people and companies that have been able to access these loans, but they are few and far between. And with the law of probability, there is always an exception to every rule. So what hope is there for small business, for entrepreneurs in accessing loans here in Nigeria? Is it even worth trying, or are we just wasting our time? Is there hope, or like everything else in this country, do we go the road alone? I think you literally took, you put the light on one major issue that all the general conversations I'm talking about. So exactly, let me pick it. You both have been going around, I was talking about conversations. Let me give you one specific problem. And it's hard rendering, it's just hard to read this, to hear this. And I can imagine the millions of people who want to do business and are facing hurdles and obstacles like this. I personally thought that I used to run from business and entrepreneurship. I just used to think to myself that those people was having a hard time. They had a steel stone, they must be really hard-hearted. And I do hope that, I mean, one year after your rent and this coming up again, maybe this time around, something will come out of this. But then, looking at it again, technology, anti-crater systems, and I've just decided. I was just like, why in this day and age, in the 21st century, where the way fintech is growing and we're having to deal with the hurdles being things like technology and the hurdles having intermediaries and middlemen. And with the fact that I see a lot of advertising, all things that BOI puts out there. Packaging. I was like, really? This is sad. But then maybe we will be able to change this by having this crucial conversation. Well, the laws are made for men and not meant for the law. I love that. Whatever policy is being made, laws or policy, in this case, policy, BOI, CBN, it should be done to help lift up Nigerians out of the shackles of poverty or under development. So whatever it is, the government and stakeholders should fasten the processes to enhance entrepreneurial development. Let me give you an example because it is so people through this process, the amount of messages I received, DMs from young people in their 20s who have a vision and there's one lady in particular who contacted me and I wept for her. She started a chicken farm, right? She put in $30 million of her own money. It's walking, but she needs to build. She's applied for $10 million BOI loan and it's a problem. She's like me where she's like 8 months, 10 months later and still nothing. She's shown that it's a viable business, but she needs to build capacity. Why is it taking so long? Why is nobody getting back to her? In the meantime, she's just trying to make it work. And this is a business that will help local community.  It's not about just collecting BOI's money and winning. The capacity is there. She just needs assistance and help. This country, you put your own money into business. Meanwhile, that's not the way it's meant to work. Yes, you put a little bit, but you don't 100% fund a new business. You get support from government, you get support from funds. But unfortunately here, you put your savings into your business. So yes, government has put them there. They will go through the process. Some haven't taken their time. In normal government institutions, of course, I haven't been to BOI. I'm not speaking to BOI, I'm speaking to government, the structures that we are used to. There's a structure where someone travels and every document on the desk remains on the desk till BOI comes back. And the truth is, while all that is going on there, I'm very sure there are people in the BOI who are not happy with the system, who will do anything. But they cannot speak too much because once you do that, then you're seeing to have interest in the loan that that client is coming from. Okay, so I can speak to that directly. Collateral. Okay, so we put up the first collateral and a weird reason was given. I won't go into that, but we have a sound on the case who has responded to them. In the meantime, while this was going, I put a second collateral. I put a second collateral in the meantime. Sent the pictures, sent the things. It's an incomplete structure on a land. Sent it in. Took almost one month for them to respond and say, sorry, they don't take incomplete buildings or land. What's up, my dear? Shouldn't you know that going in? Shouldn't that be on the frequently asked questions or things that you should know even before, when you're up in the stage of first even filling form and applying. These are the requirements for collateral.  But the reasoning was given, maybe for a couple of weeks, one of the team was sick. So you see, so you see back to what I'm saying. Why would you even put that in the email to me? Back to what I'm saying. So that's true. He's just a beautiful one. Exactly. I think that Joyce would have a look on her face. She's here already. Go on, Joyce. I'll take it back from any tons. Advocacy about, will you also fail? Don't fail yourself. So, dear team member at Bank of Industry or any other Nigerian institution where you are, that the system is failing around you, will you also fail? Think about life after life for those of us who do believe in it. You will be asked what you did with your time on earth and you will give account for it. So your colleague has gone on a break because she's ill, he's ill and you could take up the job and deliver, but you say it's not my job. God will ask you what you did. If you won't do it for the client, do it for your destiny, for goodness sake, do it for your own destiny. Add to empathy. Add to... Yes, we will enjoy it. We all say that right now. We all know that right now. Your case is that you're processing the loan, you haven't got it yet. Now, on another credible station like Plus TV, someone was interviewing, and we're talking about this issue of loan, and the person said he knows somebody. I think the person is a thought leader like Joyce and said he knows somebody who he mentored through the process, did all the documentation and everything. The person actually got the loan approved, but months down the line, the loan has not been dispensed. Oh, man! Somebody else has gone for the loan using that guy's document. Now, and that's where Joyce, it really ties into what Joyce is saying, because at the end of the day, the other guy at the top knows that somebody has applied, but it is not going to that person. Now you're entering kickback territory. So, I mean, there are so many complications that we throw it back at the top, but the people in the system, our brothers and sisters, they need to end this, unfortunately. Let's try to be stronger institutions, stronger than individuals. Somebody in Bank of Windows 3 will be like that. Why can't the Bank of Windows 3 do their job? Well, with that, there's a lot of... There's a lot of pause for thought. And I'm sorry to end in such a depressing way, but join us again next week on another edition of The Advocate. The advocacy continues on our social media platforms on Facebook plus TV Africa. Hashtag The Advocate NG to catch up with previous broadcasts, go to plustvafrica.com forward slash The Advocate NG. Don't forget to subscribe to our YouTube channel Plus TV Africa. Join us next week. Same time on this station. Let's keep advocating for a better society. Let's do it. Let's do it. Come on, everybody. Let's do it.


I think functional programming changes the way you have to think and reason around your programs. It allows you to write short, compact code and that in turn translates to a maintainability and increased productivity. I think many studies show that no matter what programming language you use, it usually takes more or less the same amount of time if you write a line of Java as it does to write a line of Erlang or Haskell, but your Haskell and Erlang programs you tend to be a fraction of the size of what your programs in other kind of imperative and object-oriented programming languages tend to be. And so you know as soon as you've got a higher productivity you also have easier maintainability because there's much less code to maintain.


So guys I am back with another Diablo 4 video and today guys I bring you yet another amazing XP farm for this game. Stay tuned. How's it going guys? My name is DPJ. If you'd like to win the Ultimate Edition version of Diablo 4 make sure you are subbed, drop a like on this video and leave a comment down below. Good luck my beautiful people. Okay guys so farming that XP is a most for us levelers and while today guys I bring you another dungeon which is great for this. Now the dungeon itself is located right here on the map. Let me just go to the world map. It's called the Blind Burrows. You can see where I'm at guys. I'm right by that place there.  It's right here. The Blind Burrows. Now what's great about this guys is is what it says there. The spiders here have acquired a taste for flesh.  Now I've just run the dungeon myself. I mean it's a great dungeon but what I would recommend is doing this in a party of two, three or even four. Solo wise there are definitely better dungeons out there without a shadow of a doubt but in a team wise this is incredible. Let's say for instance one goes off one team goes off to the right one team goes off to the left and the other one goes straight down the middle. The amount of adds the amount of spiders the amount of elites here are amazing. If you're doing it in a team obviously as you know it's shell XP. You know this already. If any you miss any legendary go straight to your stash. You ain't got to worry about that and you can run this whole thing guys. In a team I'd probably say two or three minutes flat out. Two or three minutes. Now if you're doing it solo it's just took me 10 minutes. I timed it myself. It took me 10 minutes. I just grouped up all the adds and absolutely obliterated them. I actually run into the boss. The boss is actually a fun fight. Many spiders are on the way to the boss. Many spiders at the boss. Tons of XP. Great loot. I mean it's a great great farm but like I said it's definitely one better done in a team because it's just one of those. There's a few dungeons in this game that are just the layout of them. It's absolutely crazy. Yes this layout may look different to yours as you know dungeon R&G layouts but it's more or less going to do the same kind of thing. There's always going to be three arenas or three main rooms and there's also going to be that room that path up to the boss. Now there is sometimes as well events in here. These I'll definitely recommend you doing too. Just extra loot. Just extra XP. Immers will take them out. Sometimes players will be a bit slower than others if you're doing this in a team. So some players will be slower than others so you may as well once you've done your side branch off and help them out because it's not just in these rooms guys. It's literally every big space you're seeing here. There's groups and groups of spiders. There's small spiders too which give you surprisingly massive amounts of XP which is wild but yeah they really do. There's also slugs in here.  I don't know what they're called.  But yeah again this room here, all around here, all around there. Just the spiders absolutely everywhere. You're seeing gameplay on screen now of this in the work. So yes this is a great great farm but I would recommend it and I'm going to call actually a team farm. For the solo player yes you can do this but there are definitely better spots in the entire game. Now what's great about this is as well I don't believe it's going to be one of these crazy dungeons we're seeing that um the one I posted earlier today there's like 30 or 40 elites in one small space that's going to get nerfed. There's no two ways about it but I think this dungeon the way it is I think it's kind of perfect. It's perfect for a team. It's perfect for quick XP but I don't think it's OP in regards to XP gains. I think it's just about right so I think this I think they'll leave this alone to be honest. I think it will be a dungeon you'll be able to farm over and I mean the XP gains here although they are great for what we're looking for I don't think they're too over the top. So yes guys again come here in a team it's definitely a team one and go get that XP and go get that loot people. Again World Tier 3, World Tier 4 this is going to be best on but it doesn't matter what World Tier you're on. You're looking for fast XP you're looking for easy loot. It's actually a real easy dungeon too. I mean the spiders don't really hit very hard there's not many things in here that can one-shot you. In fact there's I don't think there's anything in here that will one-shot you if you build semi average. So yes come get that loot guys but yeah a great great dungeon to farm the blind doors located right here on the map. I thought it was that don't know as well how to farm dungeons.  Guys if you enjoyed the video leaving a like really helps i have to try it out let me know down below and hopefully guys i will see you on that next one


What's up everybody Ricky Caruthier. So today I want to talk to you about the very best sales advice that I ever Received. So I got a real estate when I was 20 years old. It was 2002 and I was just very very young I had just gotten out of doing roofing with my father actually I was still roofing with my father because when I got my real estate license. I thought I'm done with that I'm done roofing now. I'm just gonna do real estate. So I quit roofing I Did real estate for 30 days didn't sell anything of course and had to go back to roofing and do real estate part-time So it took me eight months eight long months to make my first sale and as a 20 year old You know eight months is a really long time especially when you really want something I mean think about it eight months as a 20 year old wanting to not be roofing and And and instead to sell real estate for a living it was a dream at that point. It was something that I really There was not a plan B. There was not a second option I was going to make it work But at the same time the pace that I was moving towards that goal at was so slow that almost seemed Impossible me really did I knew that it was gonna happen But it still seems so far away during that eight months I just was like when is this gonna happen? When is this gonna break through? But I knew that I wasn't gonna stop I knew that it was gonna be a lot of hard work and I knew that I was gonna continue to push through until I made It happen. So that's what I did. I continued to push through. So my first broker in Gulf Shores, Alabama You know, I was the kind of guy I was trying to be a sponge I was just trying to learn from anyone that would tell me anything I talked to all the agents at the office asking questions, you know, how do you do this? How do you do that? What to say here? What to do here? How did you do that? You know, some of the agents would come in with really big listings to me back then, you know 350,000 was a big listing and agents would come in with four and five hundred thousand dollar listings and I would ask them, you know How did you get how in the world did you do that? You know, it just seems so crazy to me at the time because I was just pounded away And just nothing was happening for me. So I had to just keep on going keep on trying to figure it out So at some point I realized that I could look up people's phone numbers and start calling people Okay, and I started I turned into a phone call making machine We actually called it phone call festivals Yeah, I actually made the name phone call fest where me and maybe two or three other agents in the office They were also newer We would get together in this room like a boiler room kind of situation and we would just make calls all day Called a phone call fest, you know, it made it sound fun. We'd get in there. We'd make the calls We'd laugh. I remember the first time I used the line Whenever a seller told me that they would never sell that they were just gonna just keep it forever They were gonna die there. I forget what they said but I responded and and I said, okay, you're just gonna keep until the building crumbles and I remember That everybody in that room laughed and laughed and laughed and laughed and we had a lot of good times Back then just laughing cutting up having fun And that's what it's supposed to be like. It's supposed to be fun when we do this but the best advice that ever got Was from my broker because he saw that I was putting in all this work and he saw that I was really trying and I went through these periods of time that I just became very just Not I was just, you know frustrated. I guess you could say I just wasn't you know I wasn't all the way in it. You know, I was just kind of not depressed But I was just feeling down, you know, just just wondering why I can't you know Do all these sales that all these other agents are doing in the office and my broker saw that I was a very hard worker and that I was moving in the right direction and he came to me and He gave me the best advice that I've ever gotten and I still think about it to this day And so he sat me down. We had a long conversation And he was asking me about, you know, what I was doing where I think I was having trouble And you know what what he could do to help me And at some point in the conversation I told him that You know, just everybody's telling me no everybody's telling me no no no no And I'll tell you why I think everyone was telling me no here in a minute, but That's when he looked at me square in the eye and he said, you know what? Ricky and here's the advice. He said no doesn't mean no It means not right now No doesn't mean no it means not right now and it was like a light bulb went off in my head And I was like wait a minute You know all these people that are telling me no aren't necessarily telling me no They're just saying that they're not interested right now in doing anything And so as I started to think back through all my conversations with prospects and how they said no and all this and all that I started to also realize that The reason that they were telling me no or they tried to get off the phone really quickly or or what have you wasn't because They may have not been interested in doing a deal. Heck, they might have been interested in doing a deal right then It was the fact that my inexperience and my lack of communication skills up to that point Didn't put me in a position where I could make them feel comfortable with me and connect with them And communicate that I'm here to help you, you know, what can I do to help you? And so that was the very first step for me Um towards the relationships over transactions mentality that I have now Um that's got me where I am that was that was the first moment where when I realized Um, you know something about relationships now as the story goes on, of course You know my rise and fall happened and the fall was because I was focused more on the deal So I wasn't a hundred percent all in with the people the relationships. What can I do to help you? It was more about, you know, do you want to buy or sell and During that time in the market. It was so easy. You just say, hey, do you want to sell because Your property's worth a hundred more thousand than it was last year And so it was very easy. Everybody wanted to sell so the scripts back then Were totally different and you could get away with it because everybody stood to make 50 100 150 200 000 400 000, you know, so there was so much equity that that that was built up so fast During that period of time that you didn't really have to twist anybody's arm, you know to sell the property to make so much money So that's kind of how I got called into that, you know Transactions closings, you know, let's just do the deal. Do you want to buy? Do you want to sell? And that ended up being the downfall for me because I was so caught up in the deals And I wasn't even paying attention to the fact that there was a real human on the other side that That I could create a relationship with that would turn into Repeat business referrals and referrals of referrals. So when I lost everything and came back, you guys know the story I came back And built my business on people not deals And now i'm to the point where i'm now where I can continuously consistently Do those hundred deals a year as a single agent now when I came back After working on the oil rig and roofing houses losing everything came back in the business in 2008 That's really when I started to Realize what when berger was telling me about that when a prospect tells you know, it doesn't mean no It just means not right now And if you have that mentality when you're talking to your prospects and you realize You know that there's a possibility that this person could do business with you in the future They may want to do business with you in the future. They may love you. They may really like you They may really want to get to know you more to see if there's even a fit to do business in the future They're just not ready right now to do anything When you look at it like that Then so many doors open up when you're making your calls you're going through your business and you're following up And you just you're thinking more about the people and what you could do to help them And and how everything's going to play out long term now I did get a comment on the facebook group. There was a post actually Of a young lady who said, you know, I'm making all these calls I'm spending money on on the dialer and all this and you know I have people that tell me that they want to do something in a couple years But how does that pay my bills right now? And so i'm going to link a video below that I did about closed deals now Okay, so you can go there and watch that but the moral of the story is is that Number one, I don't think this agent has made enough calls to even collect enough data to judge the situation Number one, but number two, you have to understand what i'm saying In terms of okay, there's going to be people that want to do deals later two years down the road next month six months That's going to be a paycheck later on. Okay, that doesn't help us right now. However When we're doing what we're supposed to do and we have faith in the process and we know closings happen every day And we're talking to enough people. We're going to find the people that want to do deals today Don't just think that making the calls is only going to get you Future business it's going to get you right now business as well And now you're building your business for now to pay your bills and the future to build your wealth All at the same time and that ladies and gentlemen Is what my philosophies and my coaching program is all about if you're new to my channel And you're not part of the zero diamond real estate coaching program. It's completely free It's the first completely free real estate coaching program on the face of the planet There's over 20 000 agents enrolled and so many of them are crushing it And they're doing this free of charge and all i'm doing is just advising you on how i've built my business over the last 17 years I'm sharing that with you for nothing And then you guys can take it and go do what you want with it and so many agents so many agents I have an agent in texas who found me in november And he's closed a million a month closed a million a month this year every month Okay, amazing. I have another agent in mississippi first year in real estate For he just finished his first year in real estate closed 106 deals Following my program So there's definitely a lot of success stories. Thank you guys so much For continuing to grind continue to push continuing to message me Right and telling me how it's working for you and questions. I answer every single deal on my instagram So definitely hit me up there. Let me know what in the world I can do for you guys Comment below and let me know what videos you want me to make and we'll see you guys on the next one. Let's go


to the United States. It's been suggested with the lights that it's a little bit warm up here, and I'd suggest that we remove our coats. And now, Mr. President, that we've taken our coats off and we're right down to business. We'd like to welcome you to these deliberations that we've had since this morning here in Hopkins as we're discussing the report of the National Commission on Excellence in Education. Mr. President, we've had a series of sessions this morning. We've had some panel discussions. In addition to Chairman Gardner, we've had three other members of the National Commission on Excellence here with us. And a number of the audience, number of teachers and students weren't here this morning. And so for their benefit and for yours, Mr. President, we'll take a few moments and call on our panel chairman to summarize the report. And I'd like to, at first, Mr. President, call on Dr. Bob Hatterline from the great state of Kansas. He's a immediate past president of the National School Board's Association. And been a board member for a long time. Mr. President, he chaired the panel of local school officials this morning. I'd like for him to summarize for you and for the audience that wasn't here this morning the deliberations of that panel. Thank you, Mr. Secretary. Mr. President, our local panel this morning consisted of one teacher, two superintendents, and three school board members, one a past president of the PTA. The panelist thought that the report had merit and had areas that should be a concern for the entire education community. Some of those recommendations could be addressed in the 83, 84 school year. Why not excellence instead of inadequacy was a theme for one of our panelists? Where does motivation start? Is it a responsibility of the home, the church, the parents? Expectations must be raised for the parents, for the children, teachers, administrators, and the school board and the members of the entire community. But how do we proceed from this point to solve that problem? There was general support for increased graduation requirements with emphasis on core curriculum as outlined in the report's recommendation, but a timely caution to maintain the fine arts in the curriculum. And we realize this will require additional funds. The question, where do we obtain those additional dollars? There was general, but not unanimous agreement on the 11 month teacher contract, recognition that more time on task would be beneficial to our students. Again, the concern, this will be a high cost item. One panelist estimated that the cost of $1 million per day, again the concern, the financing of a longer school term. The merit paid plan was discussed by all panelists. General consensus was it has merit, but large, large problems. A structured, equitable evaluation system is necessary and a major concern of the merit plan. A suggestion to look at a merit paid plan for administrators was a suggestion of one of the panelists. Too much subjectivity was a concern. Problems during negotiation sessions with teachers was a concern by a majority of the panelists. There was an expression that we can come up with a fair evaluation model. Again, the question, where can we find leadership in helping us as we work for a model merit paid plan? The posture of the federal government in education was addressed. There was acknowledgment of the federal support in the areas of Chapter 1, 94-142 and Head Start. There was a suggestion that a nation at risk calls for a national influence on schools in America. One called it a Marshall Plan. Why not a Marshall Plan for education? And as we speak to updating and upgrading the teaching profession and all of its ramifications, why not a GI bill for teachers? Question, if we are a nation at risk and there is a demonstrated crisis, is there a need for greater participation by the federal government for education? Or should the additional finances, if necessary, come from the state and local sources? And finally, a criticism of the report suggesting that we did not recognize the many school districts in this country that are promoting excellence in education? And how can we reward those districts, those administrators and teachers involved in excellent programs? Mr. President, that represents the liberation of the local panel. Now we thank you very much, Bob. And we'll now call on Governor Al Quay, Mr. President, and those that weren't here this morning. Governor Quay chaired a panel of state officials, which included, incidentally, Governor Ted Swindon from Montana and some other state officers, state legislators, a state school board chairman, the state superintendent from North Dakota and some other state officials. And so they looked at the National Commission report from the point of view of the state officials, the governors, the members of state legislatures, and state board members and chief state school officers. So we'll ask Governor Al Quay to give a summary of their deliberations. Thank you, Mr. Secretary and Mr. President and friends. The group, as Secretary Bell indicated, were state representatives and the governor, chief state school officer, president of the state board of education, and Minnesota head of the PTA. And I pointed out to them that this was the group that had the responsibility since about 7% to 8% of the money for elementary and secondary education comes from the federal government and the remainder comes from within the state. So if there's going to be additional amounts of money, it'll have to come primarily from what's within the state. If there is one theme that seemed to me came through not only in the opening comments but also answers to questions is that before a great deal of additional money would be coming from within the state, there'd have to be a demonstration of doing better with what they've got right now. And I asked them the question, how many days a year do you think that the students ought to go to school and it seemed to me that throughout the panel they felt that they ought to use the time they have right now better before we go into additional days. And I found that interesting. Good job. Thank you. I notice the students responding to that, Al. I'd get the hot water with them right away and say that we ought to move to 200 days as soon as we can. The second part, and it runs through, is one, we shouldn't sacrifice the priorities that we have now, that there had to be plenty of lobbying. And there wasn't any specific group that was pointed out. And I assume that all people are interested in education. They have to do a substantial amount of lobbying for additional money from the state in order to secure it. There was one suggestion that you put in one less MX missile in one of the Western states and use that money for education. I don't think you ever heard that before. And I hasten to add then that the federal deficit's Minnesota share was $4.2 billion the same as our whole budget this year for the state. So I didn't know where you were getting the money if you were going to do it out there. But it seemed to come through, however, was the need for the federal government as a catalyst. And I would interpret that to mean just as we have this report, the nation at risk, as a catalyst, that there was the expectation and the hope that the federal government would serve further as a catalyst, bringing the public opinion leaders together in order that we might chart the course in which we're going. And I'd say that was along the line, which we're doing now in these regional meetings. Thank you. Thank you, Governor Quay, for your summary. Emerald Crosby, on my right, Mr. President and members of the audience, is a high school principal in Detroit and a very distinguished high school principal. He was a member of the commission. And I might just say, Mr. President, that this is the second in a series of 11 of these meetings that we want to conduct around the nation at your direction and suggestion. And the audience down there. And I'd like to ask Steve, following on the analogy of passing the baton, I'd like to ask Steve if he would ask you, Mr. President, the first question. Mr. President, you're going to be hearing some specific questions dealing with the commission's report. But as long as I've been selected to ask the first question, I'll open with the very general one. Do you agree with the report of the commission on excellence in education? I have agreed and approved the report in its entirety. I think it is an outstanding thing. I think that the whole country, those who have had an opportunity to read it or a summary of it, it is causing great debate, but also great agreement that most people, I think it has touched a nerve, an American nerve in the whole population. Thank you, Steve. Do you have any follow-up comment? Thank you very much. You mean, Steve, that you've never said to yourself, if I had a chance to ask him, I would. I think, Mr. President, Steve is as nervous in responding as the chairman is here and presiding over this. He's nervous. Charles Johnson is a superintendent of schools in Illinois. And I talked to Charles earlier, and he has a question that he'd like to ask you, Mr. President. Mr. President, increased salaries for merit pay, incentives for master teachers will cost millions of dollars. The commission has properly noted that excellence does cost. What is your administration prepared to do to assist the states in meeting these costs? Well, first of all, this whole question of cost and education, and I think there's a lot of misunderstanding about it. I recognize it would cost more for this. At the same time, I believe that if such a plan is instituted, then in budgeting, you take care of that. And at the same time, possibly see whether there are other things of much lower priority. I happen to believe in it very much, the idea of merit pay, as Dr. Gardner has said on occasion that teachers grade students ought to be able to grade each other. And how else do you provide an incentive for attracting the best and the brightest into teaching as a profession, unless they can see a future more than just a salary scale that is laid out for the rest of their lives and careers, no matter how good they might be? But then we find a way to do it. There is one thing that I think should I should take advantage of you and call attention to this fact that in the last 20 years, spending on education in this country has gone up 600%. Now, many could say, well, that was because of 20 years of continued inflation. But look at it in constant dollars. In that same period of time, the per pupil cost in education in constant dollars, allowing for inflation, has nearly doubled. And in that same period of time, we know when the problems have arisen that are confronting us. So you have to say, is just purely money an answer, or don't we have to look deeper for some of the answers to the problems we have in education? I know that it can be done, and I know that this comes down to always the view as, well, federal government. The amount of money in education today, incidentally, with regard to the reaction to a previous statement, is that in 1982, the total budget for national defense was $179 billion. It was $215 billion for education. And I don't fault that at all. Education is truly important and is important to our national security as defense. But we can't neglect either one of them. But I think that the whole question of school funding comes down to one of laying out the layers of government. We built the greatest public school system the world has ever seen. And we built it at the local school level. Local, the state, and the federal government. And right now, they've been lined up vertically. And it's local and state, and then on top is the federal government, which only provides 8% of the educational budget, but which has kind of grabbed off about 50% of trying to regulate the schools. Crosby there could show you some startling figures about one of the things that I'm proud of that we've accomplished, how much less paper he has to fill out with regard to federal paperwork and requirements than he did a couple of years ago. He just wants me to cut out the rest of it, Mr. President. But I think that then you work out on this. I said that we were vertical. We ought to be horizontal. We should be looking at what properly belongs for decision at the local level. What is the proper place for the state? And what is the proper place for the federal government? Its interest in education and its responsibility. And look at them in that way and then proportionately to their responsibilities, expect the support of schools to be laid out in that same way. I'm talking too long. I'll quit rambling. Thank you, Mr. President. And I appreciate that question. The next questioner here that wants to ask a question of you, Mr. President, we could all ask a question of him. He's supposed to have the answers. He's head of the Illinois School Problems Commission. He's also a member. He's a state representative in the Illinois legislature. He's made a great contribution, incidentally, in our deliberations here. And he's assistant minority leader in the house in the Illinois legislature. Gene Hoffman on your question, Gene. Thank you, Mr. Secretary. Mr. President, you have endorsed the recommendations in this report. How do you see or how do you perceive the federal government responding to the recommendations in this report? In other words, what role do you see at the federal level for responding to the contents of this report? Well, the federal government, I have some notes here on some of the things, first of all, a meeting of this kind as an example of one of the things. And as Secretary Bell has reminded you, there are going to be a series of these at the regional level around the country. We're doing a number of things at the federal government that have come out of the things in this report by the Commission on Excellence in Education. We are going to, Secretary Bell is going to hold meetings with government officials and governors at the state levels throughout the country. We are also going to have meetings at the private sector to find out what more the private sector can do. And I would like to point out that already, as a result of this report, there is a thing sweeping the country of businesses and neighborhood groups and communities adopting schools for whatever help they can be to the schools, not only maybe in financing some special projects, but also in bringing the outside world into the school, where, for example, business and industry might be able to offer something to the students regarding their own decisions they have to make on what they're going to do with their lives. Any number of things here that we've laid out in this program, and we want to bring it to a national debate for all the people of the country to be familiar with it, and particularly the parents and the teachers. And so all of us are stepping up our efforts in that regard to promote it. I'm very grateful that we have education now up where it's high on the education agenda of this country. It certainly has occupied a great deal of nationwide importance. And we're grateful to you and those in the discussions today, Mr. President, to express their appreciation for the fact that we do have education now as such a high priority. And I know it's because you've participated in events like this one, and we appreciate that. Well, those are the questioner some more. Could I just ask you to do something else? Because I know I left out a half a dozen of the things that we are doing. I know we're promoting legislation having to do with excellence in certain lines of teaching. Could you fill in what I left out? I won't be offended. Well, we have a number of other initiatives we'll be announcing soon a major effort in the area of adult illiteracy. That'll be coming at the latter part of this month. And I discussed that with you earlier. And that will be launched and will be involved to try to help the huge number of adult illiterates we have in this country. And that's highlighted in the report. Another thing we're doing is, as you recall in your State of the Union message, you recommended a block grant for mathematics and science. And that legislation is moving through the Congress. And we'll be able to offer some scholarships under a block grant basis to add further momentum in that direction. We're also examining, Mr. President, the Student Financial Aid Program to see if we can work in as that bill is up for renewal, to see if we can work in some emphasis in the Student Aid Program as we rewrite it where we can encourage more gifted and talented and promising young people to move into teaching so we can increase the supply of teachers. So those are just starters. We're looking at our entire budget and our entire legislation to see what we can do with some of the resources we have and looking at some of the other block grants that we're now getting ready to propose to Congress and see if we can work into some of them, some legislation, to fund these efforts. So we do have quite a number of initiatives like that moving forward. Ted, I wonder if I could interrupt for a second and say to many people who might not understand the significance of calling it a block grant. There's a governor here and a former governor here. And I was a former governor also. And from that vantage point, I think we can tell you that so much of federal spending, grants to states or to local communities, comes so belabored and loaded down with red tape and regulations as to how every dollar that money must be spent that you find out that a great deal of it is wasted in the spending. Our idea of switching to block grants is to give you a block grant and say here, this is for this general idea.  We won't tell you how. Thank you, Mr. President. I'm getting numerous testimonials now on the first block grant that you got passed in the fall of 1981 from superintendents expressing their appreciation for the flexibility that they have in that regard. Now, as I look at my watch, Mr. President, I was told that we could have 30 minutes of your time. And we're almost out of that. We thought turnabout, you'd ought to have an opportunity to ask some of these panelists a question. And if you have any summary comments that you want to make, Mr. President, before you have to leave, we'd appreciate hearing that. Well, I didn't really come to ask them, but I have one right here that I would ask David Gardner about and gets back to one of the first subjects that was here today. That is, can we evaluate teacher performance? Can we do this and pay for outstanding performance? And as to the first part of the question, if you can evaluate it at the college and university level, why is it that some say that it can't be done in the public schools and can it? Mr. President, this issue was discussed at very considerable length by the Commission in the course of its deliberations. We took testimony on this issue. We had commissioned papers on it. And we offered a recommendation in our report, which was intended to foster the development of performance based compensation for teachers. I'm well aware of the arguments that are being advanced against that recommendation. The most prominent of which is that such judgments are difficult to make, give rise to the possibility of arbitrariness on the part of administrators and so forth. But I think it's fair to say that to the commission at least, the most arbitrary assumption one can make is that there are no differences among people, that everyone is equally possessed of the same level of confidence and commitment. That surely is arbitrary. To say that, on the other hand, that it can be done doesn't mean it's easy. But every profession undertakes to do it. But the trades undertake to do it. And it seems to me the profession, the teaching profession itself has the principle of burden of coming forth with a set of recommendations and criterion procedures that will permit that evaluation to occur in ways that are comfortable to the profession and responsive to the basic and genuine talents and competencies of the teachers in the classroom. The surest ways to drive out able teachers is to award the least able as much as those who are the most able. And I think we tend to have that experience more than we would prefer. And the evidence that the commission's received tends to corroborate that. At the higher education level, it's done routinely. We have assistant professors, associate professors, full professors. We have a career ladder. Pure evaluation is undertaken. Judgments are made about the worth of one professor is against another. And compensation flows from those decisions. Does seem to me however difficult it is and however possible it might be for error to creep in. The greatest error is to assume that everyone is equally competent and equally committed when in fact we know they are not. Thank you. Thank you. Now, Mr. President, as I look at my watch, it looks like we've about spent our time. If you have any final comments here or any additional questions you want to raise, I was admonished that we had to be concluding this so you could meet your other commitments. But any comments or any summary that you want to give, I just express on behalf of everyone here, our appreciation for your coming and your participation in this panel. I think this is a panel discussion we'll all remember for quite a while. Well, Ted, I don't know that I contributed to that. You were doing just fine here and all of this. I would like to take advantage of you in a little self-defense here. The word budget or term budget cut has been so widespread and I usually find it applied to me. And the truth of the matter is we haven't cut any budgets. What we've done is reduce the proposed increase in the budgets. But each budget is still bigger than the last one. And for example, I have had students who cost me that we have reduced their ability to get help. Well, for a fellow that worked his own way through school, I understand the problem of students that have to. I must say it wasn't too arduous. I washed dishes in the girl's dormitory. But right now, $5.9 billion was the guaranteed student loan program in 1982. It was $6.6 billion in 83. And we've asked for $7.2 billion in 84. That's a 22% increase in just two years. The proposed federal spending for disadvantaged and handicapped children in public schools is $4.1 billion. And that's the highest level of funding in the history of the program. We have removed, and the thing that I mentioned with regard to Dr. Crosby, we have removed 30 sets of regulations at the state and local level, which, as we figure them out, has reduced by 191,000 person hours of work, the administrative process of filling out those papers. And I'm going to leave that, and I think the best concluding thing, if it hasn't been done here, I'm so proud of this commission and what they have accomplished. And they know and will agree better than anyone else. We didn't ask them what party they belonged to when they were appointed, and I didn't suggest anything to them. I figured they all knew more about the subject than I did, and the result is their program. But this, I thought you might just be interested in hearing a little review of what's happened already. The Florida House has passed the commission's basic curriculum. The Senate in Florida has passed a different bill and they're in conference now working out their differences. The board in Ypsilanti, Michigan has voted to extend the school year. This is directly attributed to years of math, two years of science. The commission recommends, I think, three years. Three years of social studies and two additional years of other college prep courses. The commission recommends two years of foreign language. Governor Charles Robb of Virginia has called on the state board of education to adopt the full slate of recommendations made by the National Commission. In the state of Utah, a new high level organization called HOPE, helping organizations in public education, has announced they will use the commission's report to promote improvements in the Utah schools. And the group is made up of the state PTA, the Utah Education Association, the Utah School Board Association, Society of Superintendents, and the state board of education. In the state of Illinois, high school graduation requirements have recently been increased in a 110 to six vote for which the commission report was cited. Three years English, two years math, two years science, and two years social studies. One year should be American history. Washington State Board of Education unanimously approved a plan to upgrade high school graduation and requirements. It tripled the minimum credits necessary in science from two to six, doubled the minimum in mathematics from three to six, added a year in English. Battle Creek Michigan School Board is reviewing the text of the commission's report to determine implications for school district policies. And as a direct result of the report, Chelmsford, Massachusetts School Board will consider new classes for the gifted which has been dropped in recent years. Probably the most neglected students in our educational system in recent years have been those with special aptitudes and talents. So, and it's just, I just have a feeling that maybe a generation that went through the Great Depression and the Great War, World War II, maybe we thought we ought to make things easier for our children. Maybe we're partly responsible for what has happened. And we've thought that they should enjoy things more than sometimes have to work at things. And in effect, what I'm saying is maybe a lot of us put together has shortchanged those wonderful young people that are sitting up there and God bless them. Let's stop doing that and give them a good running start in that relay race they're going to enter in a few short years. Thank you very much. Thank you very much, Mr. President. We know you have to be on your way. We appreciate very much your participation. Yeah, I got that. Steve, are you on the next one? Okay, okay, thanks. All right. Concerning a new flexibility with respect to our negotiating position talks in Geneva, a lot of people think it's the right medicine at the right time to get these talks going to our favorable agreement with the Soviets. But part of our position requires the Soviets to destroy, do away with nearly two-thirds of their heavy missiles. Do we have any signs in the indication inkling that they'll go for this feature? Well, both sides, according to our proposal, are going to have to do away with some of their weapons. I think what you're referring to is a thing in which we can be very flexible and that is whether there is a sublimit. I doubt very much that there will be much of a problem about the mix of weapons. Our whole aim is a reduction in the number of missiles for both sides to the 5,000 limit and a reduction in the destructive power. This is another place in which they are superior to us. Do you detect a new spirit of compromise in the Kremlin, especially since Ambassador Harriman's trip? Well, either that or before it, the thing to make me hopeful is that the Russians, who so many times just simply say yet to everything, they did in previous meetings propose a lower figure than they presently have. And at least that's a starting point. We're willing to come up from the figure that we had as I indicated yesterday. And so if once the moon and the other green cheese may meet someplace in between. Mr. President, is it possible or is it not probable that you might have a summit meeting with Mr. Andropov between now and stay next summer? I think it's possible. The only thing, there's no reluctance in my part to have one, except that there's a great danger if you have a meeting simply to have a meeting and get acquainted. And then everyone says, what happened in the meeting? And he said, well, we got acquainted. I think we have to have an agenda. And I think it has to be one in which both sides have agreed that they're really going to try to settle some of the issues between us. Okay, July 1st, federal tax cut is scheduled to take effect. In the past week, Speaker O'Neill has been demanding that a ceiling be put, a $700 ceiling be put on the maximum amount that any taxpayer can receive under this cut. He apparently wants to soak the rich of the wealthiest taxpayers more. Are you going to tamper in any way with this tax cut? No, I'll fight the death against that tax cut. And I'd like to point out that this whole thing about whether soak the rich or something else, he had set the figure at $50,000. Under his proposal, a married couple that had a $35,200 income would find that their top bracket now is 33%, it would go to 37% or there, it will be 33% when the tax cut was into effect. At $48,000 or something, the same married couple would find that they go from 38% up to 42% under his proposal. And this isn't up to the $50,000 mark and they're losing money. 72% of all of the tax relief in this coming tax cut on July 1st will go to people below $50,000. Now, when you stop to think that without graduated income tax, the top 10% of earners in this country pay 50% of the total amount of tax. And the top half, the top 50% of earners pay 93% of the total tax. I think it's only fair that a tax cut goes across the board, even Stephen, a same percentage cut for everyone. Your top budget people are warning that the money supply is growing too fast and there's a fear at least among some of them, Stockman and Feldstein, that we could be headed for more inflation. Are you worried about that at this point? Not really, because I think that there's no question the market's been a little frightened by a surge there and probably what makes them worried about that is that in 1980, before we got here, there was a giant surge and that was the one that took us up to 21.5% interest rates and so forth. And then the string was pulled very firmly, 1981, bringing it down. In fact, if that string hadn't been pulled for so long and so hard, we might not have had the depth of recession that we've had, but it is a kind of an uneven thing. It isn't something that you can actually specify and say it's going to grow exactly at this amount of money supply. And a few weeks ago, there was something of a surge. The Fed has immediately moved on that and I don't anticipate that. Sir, speaking of the Fed, will it be Mr. Volcker continuing or might it be Mr. Greenspan? Can you give us any clue? All of that argument, speculation, we haven't even gotten around to making a decision yet. You're well aware that state and local government school districts are, say, they're strapped from money badly these days. Under the recommendations of the commission which you appointed on excellence in education, part of the recommendation is for the federal government, all levels of government to help finance this, are you satisfied that local governments can in fact find the money it's going to take to implement the longer school days and the back to the basics curriculum The commission report also made it plain that just throwing money at it isn't the answer. Right now, the highest tax finance program in the United States is public education, some $215 billion. And incidentally, it has increased over the last 20 years when everyone is so concerned about the decline in education. Funding for education has increased by 600%. And in that same period, allowing for inflation, in constant dollars, we have added $66 billion increase in constant dollars over that same period in the per capita cost for each student. So I don't think that money is the problem but what is necessary is to work out federal, state, and local and what are the proper functions for each to perform in education and then have the responsibility of funding those. Now education is basically a local and state function always has been and always should be. At this moment, the federal government only supplies 8% of the total educational budget. And yet one of the problems has been that over the years, the federal government for that 8% has wanted about 50% of the control of the schools. Sir, the economy is rebounding. There's a business recovery in progress. The Williamsburg Summit appeared to go very well. Your health looks great. You look wonderful. I feel good, thank you. You seem ideally suited to a man who would be up for re-election. Can you give us some idea of what you're thinking is on seeking a second term right now? Well, my thinking basically is that it's far too early for anyone in my position to announce his intentions. And I can tell you why. If I did, and the answer was no, then wouldn't do me any good to ask Congress for anything. I'd be considered a lame duck. And if I said the answer was yes at this point, the media, forgive me, but the media very largely would be tagging everything I did including a tryptamine campus as political in nature. When can we expect to know? I haven't even really decided on that. Mr. President, thank you very much. You may. Thank you. Appreciate it. Especially the other night, if I didn't see it. I missed it, I'm sorry. Well, it was a benefit in Hollywood. My dear friend Jimmy Stewart, they told him that they wanted Jimmy to come on and do something of the benefit and they said, we'll give you four minutes. Jimmy says, it takes me four minutes to say hello to that beautiful man. He is. It's wonderful to see the statue that was dedicated to him in his office. Thank you again. You're very grateful to answer. Thank you.


Hi, beautiful. Today, Eric is back on the channel. It's been a while. I'm back. I miss you guys. By popular demand, aka nobody asked for Eric to be back. Oh, okay. All right, that is not true. There are many, many people. Thank you all for being concerned with my life. Eric was dying to come back on my channel. A few people thought that I died. No, some people said we had a fight. That wouldn't be totally false. We've had many fights. Not just one. No, there was no fighting. But Eric just hasn't been on my channel because we've been very busy. We've been very busy with X-Mondo. Eric takes care of a lot of the business aspect of X-Mondo. We have a lot of things going on in the creative side. So there's just a lot going on. We're excited to have him back. Thank you. And today, I thought, why don't I ask you guys what we should do today? So I took to Twitter. I asked you guys what you think I should do with Eric. And a lot of you guys said do a perm. A perm?  Like, why don't I do one side? Eric does the other side. And we perm Miss Manny Quinn. Miss Manny Quinn's going back? It's been a while since I've done a perm. Eric's never done one. Never done one. Perming is actually one of the more difficult things you learn in hair school. A lot of people have difficulty with it. So I'm planning on Eric having a lot of difficulty with it. Since he doesn't really have much hair talent. Even though that one time you did Bollyya's. And it did a haircut. And it was terrible. But Miss Manny Quinn loved them both. She was okay with it. But a perm you can't exactly undo. Is that why it's called a perm? It's permanent. Why don't we break out Miss Manny Quinn and teach Eric how to do his first ever perm? So little question for you, Eric. Have you ever tried to roll sushi before? What? Didn't go too well.  You know what I'm really good at rolling up? Air mattresses. You know when you have to like fold them up and roll? Right. I'm really good at getting all the air out. So you're probably gonna be good at doing perm. 100% I'm gonna use my air mattress skills. Let's get it started. Let's do it. This is not Miss Manny Quinn. Okay, Eric. This is not her, Brad. I left her with chunky money pieces. All right. Remember what I pronounced? Bollyya, Bailey, Bailey. Can you take a seat for a second? I need to tell you something. Manny Quinn's gonna try. She passed away. Oh!  Brad! Eric, the other Miss Manny Quinn had her time. This is your new Miss Manny Quinn. I hope you can find a place in your little heart of the new one. Don't follow these directions on how to do a perm yourself, please. Because I'm really going over the basics of perm. Just to see Eric put some perm rods in Miss Manny Quinn's hair and make it curly permanently. This is not a tutorial by any means. I'm kind of gonna be doing a not so great sets just to show Eric how to do it. It's just gonna be a quick, fun thing we do.  Too seriously. We just have fun. It's not a tutorial, okay? It's just a fun thing. All right, Eric. We got some clips. We got some combs. All right, what's step one? We are going to comb her back. To comb her hair all out of her face. Is she more water in her hair? Actually, it's important that she stays nice and moist throughout this process, Eric. We have clarified her hair. So we're ready for the perm rods to go in. And now this process can be tedious. We wanna make sure there's no hooks. Everything is wrapped very perfectly. Typically, I wouldn't exactly do a middle part because however you perm her hair is how it will stay. But today we don't really care. I'm just trying to do half of the head and you're trying to do half of the head.  It just won't be very wearable. So I'm gonna be teaching Eric on my side how to do it and he's gonna replicate it on his side. And we'll see how it turns out compared to mine. I'm excited. I'm gonna take from the high point of her head, the apex, down to the back of her ear and that will be a parting. And then you can put this into a clip. Got it. Okay. That is our section. There's number one. There's A, if you will. Okay. Now your turn. Oh, lay the comb down on the head this way. Uh-huh, uh-huh, uh-huh. And you part like that. So you're like combing while you're parting. Nice. Wow. So now you comb that forward. Okay, well you went a little slanted down the back. Well it's hard to put a straight line in a spherical object. It looks pretty straight to me. All right, well everything looks kind of straight. We're gonna clip this up for time's sake because I don't feel like waiting for you. I'm gonna part the middle. Great. Now you could take that side. This is your side though. Is it? Yeah. Okay, we'll clip it up. Now we start putting the perm rods in. This is the part that gets tricky. Again, you guys, this has been a while for me so don't come for me because I don't do perms on the regular day. Perms are coming back in. They are. They're sort of perm a lot, which was a sort of body wave perm. We didn't use rods, we used like large long tongs to do them so that's what I'm familiar with. And it was very creative patterns we use. You're gonna watch me. Why don't you watch me first? Okay.  Top of my shoulder. We take a little bit of a section out of here, okay? You know, it's pretty thin. Okay. And we're gonna- All the way across. We're gonna make sure the hair is nice and wet. Okay, that's important. This is just so that you can wrap it properly and there's no flyaways. So we're gonna take our end papers and this is what an end paper is, okay? So it's just a little tiny- Piece of paper. You can call it a piece of paper. So you put one on one side. At the bottom. Yes, and the other on the other side, okay? Make a little hair sandwich.  And you gotta go all the way to the ends of the hair or else you'll get hooks on the hair. Okay. Which means you didn't really do it and you gotta hold it there until you get it really tight. So you're like pulling and twisting at the same time. Okay, so then you might see some hairs coming off. You gotta keep wrapping them around. Okay. I usually use a tail comb for this. I don't know why I'm not using one right now. You can wrap it around with a tail comb. Okay. You really want it wrapped around. So you gotta pull her head while you're wrapping it so that when you get to the base, it's super tight and then this gets wrapped around here. Wow, that's a beautiful perm rod.  You definitely made it look very easy. So why don't we have you try and I'll watch. Okay. And then we can kind of move forward faster. So what we're doing is taking a nice straight section. What the F? That's a good one.  It's good, right? Take it bigger. Sorry, I was trying to do it being too perfect. It's my weakness. You're holding it like this and you have this. You gotta go like through it and then you- You come out. You come towards here. You keep your fingers on the top of the comb and you part that stuff down.  Parting is something people had a lot of trouble with in hair school, I remember. And I looked at people like- Yeah, it's hard. It's hard hair. It's like a lot of things going in all different directions. You keep doing the same thing. No, I did it right. No, I'm gonna teach you how to properly part. You're gonna do it. I'm gonna do it. No, put it in your hand. Do what you would do. And let me walk you through with your hands. No, Eric, you have to- I can't. How am I supposed to part it? Don't lift the hair up, please. Oh, okay, and then I go. Yeah? And then I go. And then I come towards you. No, no, no. Hold the F! I thought you meant this! Okay, we're going through. You're through now. So now you move these two fingers down here.  Okay, and then you- No, Eric, see, you have to grab all this stuff on the top of the comb. This one has to go up to the top. See, look it. Now that's a part. Wow! That was good, Brad. I actually learned a lot from that. It was the claw. The claw right above the comb. Let me clip this up. Now, your next step is to water it. It's water. You don't have to shake it. Okay, that's enough. Not in the mic. And we're gonna comb it through. Now you have to make sure it's very precisely combed and everything's looking good before you then put the perm rod in. Okay. Okay, now you have to elevate this section so that it is 90 degrees from the head. And comb it that way. Okay, that'll give her volume. And she wants volume. Okay, now you do the end papers, right? Make this a little bit more narrow at the bottom. That'll help you. And then we also take another paper and we put it on top. Eric, make sure you're elevating it all times. Now, you got your perm rod. You start in the middle. And then we go down. Okay, now you slide down slowly. Slowly. Always keeping your finger on that pressure. It's right there. It's right there. Hold on, I'm nervous. Okay, you're at the bottom. Yeah. Now start rolling with the blunt. Oh, okay. No, keep, all right. It is so tight. Keep tension. No, it is so tent. I know, but you gotta keep your hand on the hair too. Cause sometimes it comes loose. 90 degrees. But that looks good though. You went down though. See how this hair is pulling underneath and this hair is loose? Tighter, tighter. Pull our hair really hard. Brett, I am pulling it so hard. See how this thing right here needs to be in that hook. All right, so we're hooking it right across. Woo! She's got a blunt on her face. This is Eric's. This is mine. That's pretty good. That's really good, Eric. It's your first one. Wow. Why don't we do one at the same time now? Okay. Okay, we got our section out. I'm just gonna take a little bit of the bigger section because I want to be here all day. Oh wait, Brett, look at this, ready? Is that so hard? It's not. It is. Once you get that baby on there, Eric, pull when you're turning. This hair is really good for this because she doesn't have any layering in it. Sometimes people have extremely short layers and you have to work with the layering and it's really annoying. Question, what are the papers for? To keep the ends wrapped in. No, because usually the ends are very straggly so you're trying to contain them. How we doing, buddy? Oh, oh. How we doing? Okay, let's keep moving. Okay. Next time, you need to just make sure you're always pulling at 90 degrees really hard as you twist in. So Brad, I surprised everyone with and ask me anything on my Instagram and there were some questions for you. Top question, well who are you talking to? Who are the boys? No. Yeah. That was the top question in my love life. Yeah. People care. Yeah. Am I dating? Yes, are you dating anyone? Hell no. Why not? Well, there are a few boys, but. You're on them dating platforms. Are you dating anybody, Eric? Am I? Yeah. Brad, I didn't ask that. So, yes. His name's Hunter. He's really cute and really nice. I think I've seen him. I've met him. People be scared. But not you. Numbing. I sleep all at night.  They're like very loose, so they're not keeping the hair very tight in there, but it's fine. We're gonna keep working or going towards the finish line up here. We're gonna have to part this into two because this is too tight. Eric, look at you wrapping a perm. This is so cute. Walk it in. Walk in the talk and wrap in the wrap. Oh my God.  The bend and snap works every time. It is warm in here. Are you spitting? It's real.  Oh, he's pissed. You look shiny too. Did you have any questions for me? Yes, actually, everybody was dying to know. What were they dying to know? Are you a twin? I knew it. That's a complicated question, if you ask me. Uh, yeah. Well, if you, if you, I don't know, there's that other thing. In the thing after that and you know, that other thing from the other day. Yeah, so. There's a lot of moving parts and some of the other twins. Records. And then some twins don't classify as other twins. Maternal, paternal. So, what was the question about? How's your mom? Just kidding. How are you settling into New York City? How am I settling in New York City? That's a great question. So actually, since I've moved to New York City and paid this much for an apartment, I have never spent less time in my apartment ever and left the city more loving it. The question was, am I gonna be here forever? The answer to that probably would be no. Wow. But is, if the question is, how am I liking New York right now? The answer to that is, I really like it. It's been almost a year, right? Yeah, almost a year. Isn't that wild? Give me a minute, I've been here like six. That is wild, bro. Six. That is wild. Imagine living in this city for six years. How do these look? Why do you think I'm going crazier? It all makes sense. It really does. Honestly, now that I know that, it all makes sense. Okay, well, now that we got that out of the way, you know, are there any other questions, concerns? Well, there was one other question. What? Oh my God, wait for me. What? Brad. Oh. Oh, juicy. Yeah. Brad, which one? Pit? Your paternal.  I think it's paternal. Yeah, I would say in a limited time that I see him, we have a great time. We have a great time together. We really never see each other. What are you talking about? I'm in constant communication with you and we work together and sometimes we hang out after work. And then we sometimes we watch Netflix together and text the entire time. And then sometimes he'll be watching Love is Blind and I'll be watching Love is Blind and he'll be texting about everything that goes on. So Brad, I've been thinking about getting a perm. Me too. Really? Yeah. Wait, really? Yeah. I thought you just thought it was a bad idea. No, I want one. You can hurt me sick, talk about that every day. No. What? I've selected listening when it comes to you. Selective hearing. Would you have bigger curls or they'd be smaller? How would it exactly work? Well, it depends on what rods you use, what kind of perming solution you use, how long you leave that perming solution in for.  Great. Wait, is this all my section? Yeah, it is. So just the last one you've explained it to? Just for context, you guys, we've already worked an entire day and now we're sitting here perving. So this is not very easy or satisfying and I'm kind of going crazy. I feel pretty satisfied. I have finished my side. Oh, wow. There she is. She's not at the most perfect I've ever done a perm, but that's okay. We're not really going for perfection today. We're just trying to get it done. And Eric is- I'm working away over here. Working away. Show us your sec- Oh, not bad. What happened to the sectioning? Wait, no, no, no, no, no, I'm in the midsection. No, it's actually not that bad. It's not bad? No, it's really not. No. No. All right, let me finish. Hey, let me finish and get back to you on that. Okay. I'm gonna get started on the back. So hopefully we can finish this today and we'll be back to talk in a bit once Eric finishes the front. We've done half the back. Again, this is not my best perm I've ever done in my life. I'm definitely half assing it a little bit. I'm so sorry, guys, but Eric's actually kind of slight. And I'm kind of doing just a decent perm, I guess. Again, it's been a long damn time since I've done a perm, so this is not my thing. Eric, please don't stand in the background. I'm trying to get my perm in. Perm, lock and drop it. Perm, lock and drop it. Perm, lock and drop it. Brad, I have a question. What's the question, Eric? How does a perm work?  The disulfide bonds are broken and then reformed in the shape of a spiral or whatever shape you put the hair on. So in this case, it would be a circle. And then the neutralizer hardens the hair back up into that shape and keeps it that way. That's like me, Brad. I'm like the neutralizer. So while Eric finishes up here, we are gonna be using the Redken Creative Curl today. It's for normal to resistant hair and that's all I know about it.  It's like a wet dog. A wet dog that's wet from eggs. It's exactly what it is. No, you can crack eggs on a wet dog and let it sit there for a day. And then it rolled, you wrapped it up in a towel but it didn't dry it. You just let it marinate in the dog and then just straight up blow dried it. All right, here we go. Let's put it in there. It smells horrendous. All right, so you want to hold, normally you would put cotton around their face or so you don't blind them, but she doesn't have real eyes. Wait, you're serious with the blinding? Yes, it'll blind you. So I'm doing two swipes on each rod for now. We'll go back to each rod. You have to make sure you know which ones you've done and which ones you haven't done. Why, but what happened? If you don't put stuff on it, then it will not curl. What if you put too much? Yeah, you just don't want it because it'll drip all over the place. Okay, so we're going like one or two swipes at each roll. Now I'm going to go back actually and I'm going to really make sure I get it in there. You can kind of mess up the hair a little bit. You're not trying to go on the root either. I'm actually really excited for what this is going to look like. Is it going to be like frizzy permy or is it going to be like? Well, the hope is that we didn't make it frizzy. Okay. If you do it incorrectly, it'll be frizzy. They're going to be like curly girls. It'll be like really nice ringlets. How are we doing over there? Really, really nice. So what happened if you just missed one? It would just, it would be straight. Yes, what do you mean? It would just look like our regular hair. Yeah. The one strand that's like completely straight and the rest is really curly. Of course. It wouldn't be cute. And so we don't have to use all the way into the solution. They usually give you a lot of extra. All right, you did it? Did it. Are you sure? You've got enough on each strand. I don't know. Can you just do a little more? Can you just do a little? Oh no, don't do that. Okay, I'm not doing that. You want to be very precise with this, okay? They're very saturated. Okay. We got that done. We are going to put a bag over her and we're going to let that process for 10 minutes to start and then we're going to check and do our first test curl. Test curl. Okay, well, we just see how it's setting. Great, how do you feel? I feel good. I think she's a little deaf here, but yeah, I think she looks good. Personally, I feel good. Is this the big reveal? And no, it's actually not. She's halfway done. So we're going to actually do a test strand. Look, it's starting to curl and her hair color is starting to fade. Oh, I see it. Look, I see it right over here with hair color. Wait, is that what happens? The hair color fades? Sometimes it comes out a bit. So we'll see that separation we're getting up here. That's good, but see how it's not separating over here? But if this is, that's good. We want more of that. That's what we want over here. This is what we don't want. We're after our backup and we're going to put a little more waving solution on that one I took out. This looks like a horror movie. And we're going to do like 15 more minutes. Plop her back on there and we'll see you guys when this is all done. We're going to rinse it and then we're going to come back and do our neutralizer. That's always a fun step there. Woo, can't wait. Oh my God, why does she look like that? Scary Brad. Luke, let her breathe. You did it. Don't let her in. Don't let her in here. I'm trying. So guys, we actually ended up finishing the process off camera because it was a very annoying process that I totally forgot about. A lot of rinsing, a lot of neutralizing, a lot of rinsing again. And now we're ready to see our end result. Our end result. Let's see if it actually worked. I'm actually kind of nervous that it didn't curl properly because I wasn't that patient. Actually, you know what? I was kind of patient. I'm going to give myself that one. I just want to say my side is still pretty intact. It looks okay, Eric. This one's good. It might have been a little bit difficult for me to rinse that. Oh, yours looks really good. All right, let's take the rods out and hope for the best here. Which is the one? Start at the bottom. Start at the bottom. Oh, it's curly. Oh my God, it's so curly. Oh wow. Oh my God, I'm so happy. That's actually like a really good perm. Also, don't manipulate the curl too much right now. Don't pull on it because it's still kind of setting in place. Brad, I want this in my hair. Wow, I kind of slayed it. I was like actually expecting it not to work that well. Mine looks good too. Ah, she's giving me curly girl. I have a hawk. She kind of looks stunning like I'm not going to lie. Wait, wait, look at yours versus look at mine. Oh, look at mine, you're so nice. I did it correctly. I did too. Oh, and now we get the little mini guy. Mini, right here. Oh, oh, oh. We're just going to run our hands through just slightly just to break it up a little bit and mess up the part a little bit. Just be a little bit more gentle, please. If you make it frizzy right now, it'll set frizzy for the rest of her life. It looks good. You kind of slayed, Eric. Yeah, it looks good. It looks real good. Oh my, wait, Brad, look over here. Look at, wow, look at those. Look at those. I always knew I make good perms. I don't know what's going on with this one, but. I'm sorry. Whose side is that on? Wait, is this yours? No, ma'am. Check the center part. So let me see yours, Eric. I think it looks really good actually. Look it, look, look. That is great curl structure. I'll have to see it dry. I don't know what just happened to the top of mine, but the bottom looks good. We're going to diffuse it with proper curling products and we'll see you guys with the finished results. Eric and I have finished the perm, mostly me, but Eric. I held my own, Brad. We styled it a little bit differently than each other, but it actually looks pretty fierce. It looks pretty good. You want to see it? Oh wow. Oh wow. Oh wow. I want this. I want this. Eric decided to go a little more of a structured style. Beautiful curl structure. I went for more of like a voluminous style. I would rock Eric's side. I think it looks great. How do you think you? I think you did. I think I did pretty good. I think there are some points of improvement, especially around the hooked ends. Oh yeah, there was a few hooks. There are a few hooks here, but I think it came out really good and I'm really happy with my curl structure. Is it fun? It was fun. Isn't it cool that you can just transform hair with like chemicals and it completely structures it and makes it permanently curly? Like how cool is that? Science. But I'm really proud of you. I give this like a solid seven out of 10. Look at that. And I feel like once we actually wash it and kind of break up this like line going on in here, it'll look even better and it'll be very natural and cute and beachy and oof. I'm really obsessed with this wave. I actually think it looks great. I think perms should make a serious comeback and they already kind of are, but I think they should come back even more. And I think everybody should do it as long as you get it done correctly because they kind of go very wrong, but they're so beautiful. I'm obsessed with perms. Like I think it's so fun and it's so cool that you can just change your hair structure like that. We have a little bit of a glow here from our Viper. Yes, we put Viper in and our BDSM bomb. I love this stuff for styling curls. It adds just enough hydration, enough structure, an amazing amount of shine without weighing it down or making it feel stiff or crunchy. So super great for curly hair. And of course, you know what? An amazing oil is always great for curly hair. Let's shake it out. Let's see how what we get out of this thing.  She looks fierce. She looks like she's at the beach right now and she's living. Whoa. Yo. Amazing. Listen, if Eric can do it, anybody can do it. Great job. Great job, bud. Thanks, kiddo. Anyways, so that's all from Eric and I today. Eric, congrats on your first perm. Thank you. You graduate hair school. I'm gonna have to do like a thousand more of those. Don't forget to follow Eric and I on Instagram at BramondoNYC at ericmondo underscore and follow me on TikTok and Twitter at BramondoNYC. You can also shop X-Mondo hair. It's linked below and follow us at X-Mondo hair on Instagram. And that is all for today, guys. Thank you so much for watching. And don't forget to live your extra life and I'll see you next time. Bye. Yay. Hi, beautiful. This is electric grain or moisture cream. Do you have damaged hair like me? Do you have curly hair, not like me? And is it dry? Because guess what? Electric grain is here. Applying a generous amount, your hair is gonna be much more hydrated and easier to work with and it's going to really help boost the shine and integrity of your hair.


gonna need a new transmission. Good morning from Tucson. I got the bus back. I drove back here in a day. I know I didn't film that and I know I haven't been filming things, anything except for some of the building. And the reason is I want to condense that and keep it all together so when people can play back if they're interested in this kind of stuff they can get a full dose of it from start to finish. Today guys I am gonna play in the bedroom back there. No one is coming over to play with me but I am playing with some paint brushes and I'm gonna get this back area done now. Painting is pretty easy so I'm not gonna film a lot of this is how you paint because I'm just gonna take a wild assumption that you guys know how to paint. If not there's definitely some how to paint video on YouTube. It's gonna be pretty simple. Prime, paint, tape it off, make sure it doesn't drip. That's it. If you guys remember the bricks of happiness, they gave me their mattress that they cut up and they were using this old Zinus mattress. They were using some of the foam to make cushions with so they gave me part of that to maybe even use for my cushions. If this is too thick I'm gonna have to buy a different kind because I'm gonna do the back you know bottom and back but I mean hopefully I can use it because this stuff is expensive. One other thing I want to mention is that in a previous video I was asking Badger he got this mattress for about $200. I had a separate sponsored mattress before and it was great. The company sent it to me for free and I really enjoyed it and then I slept on badges and I like that one better. Me personally I like a stiffer mattress so like I said I bought this. It's also by Zinus. This is the Walmart version. The 8-inch memory foam just like what Badge has. Now a tricky thing about Walmart is that their online prices are actually lower than their in-store prices and if you connect to their Wi-Fi it will show you the same higher price because they're tricky but if you're on your own Verizon AT&T Virgin Mobile whatever network it will show you a way lower price. So this thing was like 260 bucks and then online it was like 200 bucks or something like that so I ended up saving like a ton of money. And then since I have to buy a new transmission I was looking for ways to save some money so I actually emailed the company and told them I bought their mattress already and if they wanted me to mention it in some of the tour videos and things like that well they could send me one for free so guess what? They'll send me one for free. So I'm gonna take this one back and get the same exact one from the company. They were nice enough to to send me one so just so you know I like this mattress I bought it. I'm taking it back I'm getting a free one. Now some people like to know where their money goes so I just want to let the patrons know that I am gonna be using all that money to buy a new transmission so thank you guys for supporting the channel. I am running a little bit low on money here. Didn't expect this to be needing to be replaced so yeah so that's where it's going so thank you. Also speaking of Patreon I have a couple people people to think I want to thank Tracy Hyatt. I appreciate you very much you're helping me stay on the road and I also appreciate you Anita Howard. Like I said use the bartend this is kind of like a tip jar if you want to throw it in if not no obligation whatsoever. I love you all the same thank you all for watching and I can't wait to get back on the road because we're gonna have some very exciting things coming up. Also I'd love your opinion that solar system I installed with all the Victron units is the top of the line stuff and I don't know what kind of content to make that's helpful to somebody who is watching these videos to see you know products to use what I use we didn't really do too much of an install DIY it was kind of unique and complicated and stuff like that so do you guys think like a review would be good or a test or or something because like I said this is top line stuff here we were using all the power tools off this sometimes two or three power tools at the same time like a table saw a palm sander and an air compressor in the desert and all the guys were blown away they were like how is this handling all the power and I was like I don't know it's supposed to be only 2,000 watts all right let me update you on the transmission situation when I was in Denver I replaced the transmission oil two filters and a gasket and I have an Allison AT 545 so what I've decided to do is to upgrade from the 545 to the 643 and it is a slightly larger transmission I figure if I'm gonna spend the money on a rebuild let's spend a little bit more and get something that hopefully never breaks ever again it also has lock-up torque converter for the mechanics out there you know what that is basically it it's better well it didn't get much accomplished today it was mostly kind of organizing and by the looks of it it didn't look like I did a lot but I was also working maybe scratching your head thinking wait jacks has a job yes it's called an influencer and I post things to my Instagram account for companies and it's basically kind of like advertising so anyways I have a deal over on my Instagram account so if you are curious about what exactly it is and how I make money and stuff like that then you can go check it out because really without partnering with brands it'd be a lot harder to survive on the road so I'm very grateful to these people and you know it's a little jingle and just your jingle if you know if you know what I'm saying


I have a question regarding decisions, taking decision of my life. I mean, so going for a new job or like starting a new business or going for education, what should I consider and what should I think before that to think about that decision, to take that decision? So essentially what you're asking is, what should I invest my life in? But the way you're putting it is, what job should I take, what education should I do? That's not the point. Essentially the important thing is, this is a life.  Hello?  If something is precious, where do you want to invest this life? Into what do you want to invest this precious life?  If this is a precious life, what do you want to invest this life into? If you look at it this way, you will find something truly worthwhile to do. If you think in terms of how to earn a living, how to get this kind of thing, that kind of thing, then you will do something silly that you will regret for the rest of your life. Most people are a regret. That's why they're going around joylessly because they're not doing what they want to do. They're not creating what really matters to them. They're doing something for a living. Earning a living is not a big deal for a human being. Every creature, every worm, insect, bird, animal is earning their living, isn't it so?  But unfortunately, because of ten to twenty generations of poverty in this country, because of external occupations and invasions and stuff, because of that, people have gotten into this mode, how to earn a living, how to earn a living, parents are constantly grilling their children, how will you earn your living?  No, what is it that you're going to create? This precious life, where are you going to invest it? Are you going to invest it in something that's truly worthwhile or are you going to throw it away as a worthless thing? This is the important thing, because what you call as my life is just a certain amount of time and energy, isn't it? Yes. As you sit here, your life is ticking away or no? You're young, you may not be thinking like this, but actually it's ticking away. What is ticking away is not time, what is ticking away is your life. Yes or no? So this energy that you call as my life, how are you going to invest it? Because it's going to… if you're doing something truly worthwhile, it gets over before you know what happened.   You're miserable, twenty-four hours feels like ten years? Have you not noticed this? So only miserable people will have a long life. Joyful people, life goes away like that. As if it's a couple of days, it passes away like that. If you are creating what you really care to create. So one thing that every young person should do is, without the influence of the peers of your own age group, without the influence of your professors and your parents, without the any kind of influence, somewhere you must stay by yourself, at least for two, three days. And look at it, what is it that I want to invest this precious life into? What is it that will be worthwhile today and worthwhile after fifty years for me to invest myself into? You invest your life into that, whatever it is. However small, big, it doesn't matter. If you see that this is something truly worthwhile and you invest your life in that, this will be a life of fulfillment.