Hi, Tom Stewart here with cleaning business today. I'm with my partner. Let's try her. Hey, Liz. How are you? Who's your partner and who's not part of your shoulder? That's Olivia. Olivia. That's a pretty Olivia.  Is there any more paperwork? I need to fill out What more do I need to be doing to?  What's the acronym for that, Liz? Um I forgot now Families first FF families first our CA FF RCA. What does that stand for? Yeah, families first response Corona virus something a Okay Payton Actually, I think it is CRA yeah Yeah, CRA families first Corona virus response So we're gonna I Guess have time to take questions and talk about about all of that but Before we start I just want to kind of revisit what we did Friday. We had a Real quick. I'm gonna just interrupt real quick Sarah I know that you're asking about the PPP got approved coming in that is what we're going to talk about today Just spend a little bit. So don't worry. We are gonna get to that. Go ahead Tom. Yeah, we're here. We're here all week Oh Friday was one of the at least in my opinion one of the best Facebook lives we've we've done since we've been doing the Corona virus smart business moves We had Sharon grammar who has a company called Benacor they do Biohazard recovery work, which Means they could be cleaning up meth labs. They could be doing up crime scenes. They could be doing anything where there is a Biological risk to The cleaning technician as well as you know other people in the space She shared I Don't say everything. I mean there's a whole lot to learn but she shared a ton of stuff last Friday That anybody who is Interested about doing that type of work should take an hour and listen to to her perspective on it or if you're out there Just thinking about getting a fogger or you know getting some of this equipment and getting out there and Doing some of this type of work. I think it's you you want to listen to what what Sharon has to say She shared things like What the insurance requirements are if you're doing that type of work you need to Basically talk to your insurance company and they have a different scopes code And you're going to be paying a different workers Comparate for doing that type of work than what you would be your your traditional Maid service a much higher rate. Yeah. Oh, yeah, very much higher great She talked about you know all the PPP they need to wear she talked about training She taught us where to get the training and actually the Association that does the training for that that she's used I put a link to their website and our cleaning business today Resources page so we look at that at the end and if you want to know more about them You can you can certainly go there and look at that She told us what she charges for her service and how she charges for her service She told us about how she pays her people. I mean There's a pretty good place to start if you're interested in and doing any of this type of work she was very generous with with with with giving us the real skinny and We asked a question, you know a 2000 square foot home three-bed-two bath How what would you charge to clean that if you know the scope of work was hey We had somebody living here that that has corona virus We want you to make it safe for for other people to go back in and she did some my back of the envelope Nathan was thinking about it and came up with a number. It was over $4,500 Tom I have to I have to clarify though if you remember I asked her is that only for level three? And she said no that would be the price level one two or three Yeah, because that would be she would basically treat it like it was hot at the highest level. Yeah. Yeah and Liz and I after the call were chatting a little bit and you know, we know, you know People that are doing some of that type of work. I mean, we you know, you know It's hard, you know any time you're charging anything in the high hundreds We think that we're charging a lot of money. We're just doing a service, right? and we're kind of You know, it's all we needed there's a reset on the bill rate for that.  She's got all the equipment.  Yeah, that's totally true So people are constantly asking, you know, what's the pricing on this stuff and You know, how do you determine the pricing and Sharon didn't say if she was top-end Dollar or not. She didn't give us that info. We know I mean, she would have told us we just didn't think to ask But I got the impression that she was sort of on the higher end but not the highest and either and I Know when people are talking about I've got a fogger. How much do people charge for this? You know that that's a really a tough tough Question it's a tough question, but tough answer to You know the take the takeaway that I got from that though is part of it is having the equipment but part of it is having the The pedigree the references the training and everything that goes along Yeah, I'm not gonna be able to start advertising that I am can can do this type of work I can fog your house for $4,500. I don't have nobody's gonna hire me But when Sharon says that she's gonna charge $4,500 to clean your house and tells you why people are hiring her so many people that she's So busy she can't do all the work. Right, but so I think it's again Somebody this is somebody else's term not mine But he said that in in this space. We are like the trunk slammers of our space No, we're not getting all of the correct certifications. We don't have all of the correct We just don't have all the stuff and we don't have the knowledge We don't know what we're doing, but we're out there with our foggers and our gloves Or like we're ready We can do it the same as anybody else and yeah You know, I'm sure that to We're the bane of of the professionals Existence in some ways, but I'm sure that in some ways they also look at us like yeah, I'm not really my competition Go ahead with your little fogger. Go do your little thing, but So it's it's tough Up and Sarah. Oh Heather Heather. Yeah, congrats to so Sarah.  I Know it's quite a few people now Sharon we're hearing with us one of her recent clients. You want to Frame up for everybody like the type of client. She's working for and the important work that she's doing It was The utility company in st. Louis hired her they had COVID-19 breakout and It was she's doing everything from like the the power that the trucks that the linemen drive To actually going inside the control room where they're turning all the knobs and levers It got me thinking and we started watching Chernobyl Last night the I don't know if you've seen that remember it. Yeah and We asked her you know, these are nuclear power plants and she didn't answer one way or another I don't know. There's maybe some proprietary stuff there, but I guess you you need to be careful where you're spraying your stuff but anyway she's keeping the lights burning in st. Louis and It's just just Incredible incredible stuff that they're doing out there She mentioned the counter indications So that are so key EPL who don't have any idea are out there using their father's etc. Yes, she totally talked about you know people not knowing what they're doing and going out there One thing that I noticed about Sharon too is She talked a lot about safety, you know, you can tell that it was a really big deal for her that everyone is going to be safe and Nobody is going to have any any kind of There isn't going to be any Any accidents nobody's going to get an infection or get sick or they weren't following the right protocol Yeah, they they wear like three pairs of gloves and To Exutes I mean to me that that was amazing. I've never heard of anybody wearing two type of exes and two pairs of booties So Yeah, shoe covers, sorry Yeah, so she yeah, they're very and also I like how She was talking about how they all go in she doesn't like to split up her people she likes to keep them all in because they work so well together like a real well oiled machine and How you know different people have different jobs and that's what they do every single time they can count on each other so it was It was really interesting to listen to what's Heather say over here. I'm working at educating myself with regards to foggy I'm not doing anything with it till I feel secure. I will market for disinfecting cleaning I have worked on educating myself and team since this all began Yeah, definitely a lot of education needed and a lot of And I guess like an insurance case. She does have what you called the pedigree Tom, you know, she has to train me She spent the money. She's put in the time also and she's not not not just COVID-19, right? She's been cleaning up which she mentioned some meth meth labs and Crime scenes and she's she's been doing a lot of other stuff. So to her this is one more dangerous thing But I got the impression that it wasn't more dangerous in her world because the the protection and the precautions that they take In her world, it's just as dangerous as anything else that she's doing Which I really really liked The way she explained it, you know, there's like three levels of hazard But she approaches every job like it's the highest level So it really doesn't matter when she's getting into her two Tyvek suits with the three pairs of gloves and the respirators and all of that stuff it's game on and You know, it's kind of like Superman putting on his cape.  She wants them to be well again So I I thought that was really interesting too. And and what did she say that they take? Electrolytes. Yeah electrolytes Gives them a little more Just said too Yeah, Heather and me too Heather like she was amazing, right when we actually after we finished the live Tom and I were almost like giddy schoolgirls like oh, she was amazing Like what kind of like gosh This is really a great call and Like he said a lot of it was safety and we were asking about fogging and you know, there's people out there Were like the M95 respirators and she was kind of She wasn't impressed with that in terms of the proper level of protection if you're going to be fogging a disinfectant No And that's another thing. I'm glad you said that um That that was another aspect of it is people are going in with fogging and She's protecting her people not only from the COVID-19 threat But also from the threat of the disinfectant and the chemical that they're using so I think that's maybe an um An under looked at thing people are going in and they think okay Everybody's out of this house and I'm going to fog it and I'm going to make it safe But are you really protecting your people from what they're doing even if this house was empty this building was Has been empty for 14 days and nobody's been in there Maybe the threat is not COVID-19, but the product that you're actually using she um She mentioned a couple of different products and I can't remember what she said about them now One of them she thought wasn't wasn't as good as the other though. She was glad to find that out So even at her stage still learning Oh, sorry. I'm not even kidding up there So I guess bottom line takeaway if you if you missed Friday I mean we do these every day and some of them if you missed it. Hey, you're probably Okay, just watching, you know the next one and you know It's as things change a lot of stuff that we've done in the past There's a worth going back and watching quite frankly because everything we were talking about is completely changed Sharon's Discussion on Friday though is is as well worth the watch if you haven't seen it I would encourage you to have I can do that Yeah, um Do we have uh, I see some some some folks chiming in here. Um, did I see uh, sarah says she's got her PPP money? Yep She's the only one that has said that so far. Actually, she didn't say she had her money She said she's supposed to get it this week. I'm pretty sure Let me go back and look You know, um, I guess that's been been happening We've we've heard from from several people that they're In the process and talking with the bank and have closing set up and Are expecting uh disbursements here sometime in the uh in in the short term um exciting stuff I um Have a friend not in the cleaning business. He uh, Owns an electrical contracting firm up in northern virginia Send me a letter that that that came from his bank and He's gotten approval and he's going to be getting his money later this week and The letter said that, you know, it's optional completely right to him But they highly advise all of their their their clients who are getting these PPP funds to set up a separate banking account and put those funds into that account and Disperse those funds out of that account for the things that are approved to be used without money If your objective is to try to get as much of that as you can uh forgiven and treated like a A grant and the note went on to say that They don't have a lot of details, but but they have good reason to believe that the documentation process Is going to be onerous is the term that they used very onerous with the irs to have those funds Treated as grant monies so I don't know Exactly what that means, but that's interesting information to have and kind of made me take pause because i'm Thinking well, I can keep up with the money. I just do it in quick books Don't need to go to all that trouble. I'm not recommending What we do at the moment. I don't know enough to say one way or another but that was what one bank was was was recommending to a business owner that I know Well, I would recommend it. I'm nobody I'm just your friend. So as your friend. Yeah, heck. Yeah, get a separate account. Why not? What's it gonna hurt you? Right? Um keeping it separate is just gonna make it easier no matter what If you're really like a CPA yourself and you are on top of your finances You feel confident that you can keep all that stuff straight. Okay, great. Maybe not but everybody else everybody. I know Y'all need a separate account Sarah's got a lot of questions here So she's saying she's confused on what to do now She doesn't know if she can get her february employment february was uh or get up to our february employment february's record High for us for revenue and employment um I'll bridge it to get in this separate account. Good job, Bridget Can I pay my working employees a bonus there? We're gonna deal with all these all it's kind of at once when I read them all real quick Is there a time period I'm using the ppp money? I know we need to be full operation eight weeks But does that mean the money needs to be used within eight weeks? That's a little bit off That's not quite right. We'll we'll clear that up a little bit And sarah, do I just make up a lot of busy work for everyone? Can I put my husband on the payroll? All right, so first let's clear up the the one that denit has on here real quick tom That's okay So denit you have to use your ppp money within It no, sorry Okay, so you're going to get your ppp money and any monies that you use From the time you're funded for the next eight weeks. That's where the eight weeks is coming in those monies will be What's the word tom? forgiven They'll be treated as grants provided you meet all the criteria necessary To qualify for that Yeah, which is why keep the separate account. All right Thing either it's it's it's it's prorated if you hit certain numbers and it's all driven off of Getting back to full employment So in the so that the thing that you're talking about with june 30th That's that's when you have to be fully operational by june 30 Okay Yeah, it's been explained To to me from from course. I think as good as that June 30th date is it's kind of arbitrary. It's it's really for that just that eight week period You need to get back to full employment Okay, so yeah, I have different information Information that I've gotten from my CPA is and I don't know where you've gotten yours. So Again, we have different information So you guys need to do your own research on this right and make sure that you know what what you're what what you're doing So the information I got what I read was that you have to be fully Up to staff by june 30th to be able to get that money all of that money Um Forgiven and if if you're not by june 30, this is just what I heard if you're not fully up to staffing levels by june 30th Then it will be What's the word it turns into Well, it's gonna be prorated. Yeah prorated. Thank you It'll be prorated for however much that you you did get In the money you're in the money's you're talking about being Turned into a grant or the money's you spent During that eight week period for payroll In some of the other allowed operating expenses. Yeah. Yeah, there's a few other things there But only for those things If you don't if you're not You know, if you're not hiring your people back, you're not spending the money. So even if you Get back to a point where you qualify for those monies being turned into the grant It's only the money as you spent. So if you didn't spin very much of it, you still have a chunk of money that's Going to be treated as a loan Right, which is why people want to spend as much of that as they can As long as it's there's some type of value right to somebody Which gets into the question. I think one of the questions here, you know, do I Make up a lot of busy work for everyone That's a Interesting strategy and I don't you know, it's it's a risky strategy If you've got if you're just paying people or not producing any revenue Then if that gets you to the point where you qualify for like a hundred percent grant All of that you don't have to pay back. That's great but This whole onerous process that you might have to go through to prove to the irs that you met their requirements if you Don't meet those requirements because of Who knows what because quite frankly the reason we don't know is The rules haven't clearly been defined yet. Yeah They said two more weeks until those are even defined So we're guessing to some degree Um So if you're wrong and it doesn't turn into a grant Then you spend a whole lot of money that you're going to be expected to pay back that you'd ever really got a lot of value out of So i'm going to another question that sarah had can I put my husband on the payroll? So one of the things that looks pretty clear is that you don't have to have the exact same people You just have to have the same level of of labor so I I don't know there is nothing written right now about whether or not you can put your family on the payroll or if you can Just put any random people on the payroll. I don't know um The way it's written currently is just so um Low level That it doesn't say you can't looks like you could but what if it In two weeks when they have much better parameters There's something along the lines of somebody who would normally be working in this profession or You know somebody who has worked in this field before or has a legitimate I don't know. I just feel I feel like that that again is kind of risky So if you have a high tolerance for risk maybe If you don't maybe not and I think part of These questions you're asking we're all asking I'm asking Liz you're asking If it makes good business sense you really have nothing to lose I mean, there's legally no reason why you can't put your husband on the payroll But now Is that money going to be treated as a grant or not? I don't know I mean, they're not going to lock anybody up for that. You can put anybody you want on payroll You might not be able to have those monies treated as a grant, but You know if your husband is doing something productive, that's great and You know, even if he isn't if he's your husband and those monies are going to your You know your your family benefit in some form or fashion. I guess that's not the end of the world either Yeah So and my husband is on my payroll. So I would feel fine like cranking up his hours a little bit You're not working at your other job. Come on. You're working more here I'm Linda. I have the same understanding that you have Linda Caveso sets Her comment sounds the same as mine And my I have my kids do do various things for me and they're typically on my payroll and You know, I laid them off a month ago and said you're still going to continue to do work for me But you're not going to get paid for it. I'm not sure you should be saying this on my facebook. Is that even legal? I guess it's there your kids It's fine. They can do that Um, that is a good point though. But anyway, um We might start paying them again once our ppp money gets here Yeah, um, I think that since they've been on the payroll before tom and my this is just me, of course I know nothing but I would think that that Would be looked at favorably these are These are employees that have been employees in the past and brought them back. Yes They also happen to be related But you didn't bring them back and give them money just to I'm worried about this idea of Taking advantage of the system There are so much upset from the way things were handled last You know time we had a big bailout and that you know So many people took advantage of the system and large companies and what they did that I think that there might be a little bit more focus there this time. So I'm I'm concerned about that Hey, tom, you see what um how there says over here. They must be employees for 30 days, correct? I haven't heard that. Have you heard that? I haven't I haven't heard that either heather if you have um anything that would show Um, where you heard that where you saw that especially something in writing that came from somebody that'd be awesome If you could share it that'd be super helpful there's there's a lot of a lot of interesting scenarios here because we're gonna have people who Aren't going to be able to come back to work because they've got kids and They don't have school now In most cases a lot of cases. I don't know school open public school open anywhere Not that I've heard of yeah, um most daycares She really wants down. Yeah, if I saw what heather, you know asked and all I can see is your cat um, you know So We're gonna have people who aren't going to be able to come back to work. They're going to be looking for the paid family leave at the ff P Yeah, okay, um so That's to no fault of ours but so Do those hours count towards? You know your your ppp numbers because they really don't work but they can't work because they got to take care of their kids And they're doing the paid family medical leave thing by the way You get you have you pay them for that, but then you get the tax credit. So you get that money back every quarter We did we did ask the question and we got clarification that you can't double dip on that you don't get Ppp dollars for that plus the tax credits How that's just still trying to figure out exactly how all that's going to work and Which is why I think that that is going to be some just nightmarish reporting Yeah, all that stuff's going to be reported But when you when you get down into To to that level then you start trying to figure out Okay, I need to get back to full head count, but I might have You know a material Number of my people who are doing the paid family medical leave act thing To get back to full employment. I've got to replace them and they don't have to be the same people I mean we've seen that multiple places. Yeah, I can hire new people But you know They're starting off day one. So Yeah, how does that work? I did want to reference another question that somebody asked earlier and I think it might have been sarah About bonusing people um, so I know that I I from for my company I've been looking at some ways to potentially like what is the smart way to potentially bonus some people because uh, I I do see that if I'm going to have more people back here working and they You know, I'm kind of competing with unemployment In some ways So I'm looking at how um, I might I might do that And if you look at the weekly pay you're losing Yeah, of course So, but I mean there there's other pieces that they're also going to have jobs, right when They're talking about 30 unemployment potentially and at the at the when this all sort of blows over to The what the beginning stages at least At least those people would still have jobs. So maybe then I'm making quite as much money, but I would I am looking at how I can take advantage of the ppp money at least for those eight weeks And be very clear that this additional money would be for this eight week period And just just deciding how to structure that how how should that bonus Right now what I'm looking at Is a bonus that is on top of some guaranteed pay maybe So if you work Maybe 35 to 40 hours, you'll get bonus this amount of money, you know, maybe $500 if you work You know 25 to 30 hours. You're going to get bonus 300 if you go, you know, something like that That's what I'm looking at currently not not to say anybody else should do that. I haven't decided on that It's like that's just what I'm thinking about right now and Break that out as a separate number. So all your employees understand that that is A special, you know, a special temporary thing that's that's going on and it doesn't get lost and You know, and I would actually not even say that I'm giving it to them I would say that it's money that the government is providing So that so that it doesn't come back on me when I have to take it away, you know, that's the government What Tom? Yeah, I like that the government's not giving me that money anymore Yeah And so being really clear about where it is and listing it on the you know on the On the pay stub of what this money is for and where it came from, you know, all that kind of stuff Here's the here's the good news for that though if Those payroll dollars are going to pay people who are generating revenue or making money for you Even at the end of the process if you find out that you don't qualify 100 The odds of qualifying at some percent that's going to be enough to at least make up for that premium Is going to be yeah, that's what I'm thinking too. It's got to be able to make up for that so Let's see Nina had mentioned something she said only to get the COVID-19 pay and I think I'm not exactly sure what she means by COVID-19 pay But I think she's talking about Actually, I don't know what she's talking about If you could clarify what you mean there Nina, I think you were specifically talking about The employees needing to be working with you for 30 days. Are you talking about for the Federal Unemployment money the 600 dollars maybe I'm not exactly sure what that is maybe clarify that for us We went past it kind of quick and I missed it Um Nina the government gets to audit our businesses Yeah Yeah, that's the goal for a while She says the 30 day number. Yeah, I'm just not sure what you mean by the 30 day number, you know, maybe Type out a little bit more there Um, Sarah says that's what I wanted to do since we still have revenue coming and PPP It seems like I could do that, but I want to make sure Yeah, right now. Unfortunately, Sarah. There's not a For sure option for a lot of this stuff just because everything hasn't hasn't been solidified hasn't even been written yet so uh, all we can do is kind of You know our our best guests and best odds What are the things that are going to help you the most and keeping in mind That if you make a mistake, you have the protection of the masses that tom always says which I really appreciate And they're not expecting that everybody is going to get all of this, right? So you're not going to jail. You're not gonna it's not going to be a terrible thing that's going to happen to Uh, you may end up having to who knows maybe get some give some money back at some interest rate or something but it's not going to be highly punitive because that's exactly what they're trying to get away from And and then don't forget that we do have that extra money That whatever we don't use If if you don't use all that money that money doesn't have to be paid back for two years at one percent Again, you can always give it back whenever you want to you can give it back right after the eight weeks if you want So it it still seems like good Which is really an awesome deal if the government just said hey you want to borrow Two and a half months worth of payroll with a two-year am at one percent interest We'd all just jump on that right? Yeah I haven't read anything about this and I don't know How this is going to be handled two years from now, but two years from now when these notes become due What are they going to I mean? It's like hey, I need to typically banks Well oftentimes give us we'll loan money with Like a balloon payment at the end With the idea that you're going to have to refinance it like most commercial real estate loans or maybe our 20-year am Amidurization so you're paying it off like it's a 20-year note But it it comes due in five years. So basically there's this less payment is really really big But the understanding is that you're not going to have that money So there's going to re refinance it for another five years And what's the government going to do if you don't have the money? It's a question that that we need to think about a little bit because it's not secured by anything You're not personally guaranteeing it by anything.  I can't imagine that they're not Because It just struck me because what are they going to do put you out of business you're going to fire everybody That's the whole point of them doing this to begin with right? Yeah so I mean it just feels like Bottom line is as long as you're going this is my thinking Not you as long as I'm going out there and I'm actually Using the monies in the spirit in which they're being provided I think I'm going to be okay And the spirit that they're being provided is keep people working Keep as many people working as you can and keep keep Business flowing keep money flowing.  I'm going to I'm going to put some thought into it and be a little bit better than that Hey, Tom, maybe you can help me. I'm struggling here with the Nina thing I don't know what she means if I COVID-19 pay. Do you she says To be eligible for the COVID-19 pay you have to work for 30 days You don't know what COVID-19 pay is Nina. There are so many different types of monies going out right now for COVID-19 It's hard to know what you're talking about there. Sorry. I know I'm making you keep writing this over and over again And sarah wants to know if I can wait to start paying out the ppp until I understand it more Or do I need to start using it this week that so here's one piece of good information that I have here So I have good and bad All right, so the bad news is as soon as the money is funded to your account Then you have eight weeks From that day now. I do know somebody that requested That their money not be funded. They were given a week So they asked to have it pushed out one week. I don't know some you could get it pushed out more than that I don't know if all banks will do that, but I do know somebody that got it pushed out one week He said, you know, he wasn't open right now. They have a stay Whatever some some sort of a I'm not sure which type of order he has where he lives, but They can't like he can't work right now And so he asked if the money could get pushed out the week And he was given who's given that week. So If if sarah in your case if you want to try and gain a little bit more time You might ask for that. I know you said your monies were going to be funded on Wednesday Get ahold of them before that. No, you know today or tomorrow. I would think Nina are you asking about She says your pay is two thirds or a hundred percent when you're out of work as an employee depending upon reason Are you talking about? Benefits Yeah, that's the only thing I think of this unemployment benefits Yeah, that's the only thing that I know of that has the two thirds thing is For someone to qualify for unemployment. They have to work for a period of time And I think that varies from state to state And I don't know if it's number of days. I mean that may be one criteria But a certain number of hours I think is is another criteria But I don't think that's and I just got a hard no so Well starling Kirkland says it's under the care act And I'm thinking she means the cares act The employees need to work for your company for 30 days before they qualify for the cares act So maybe that's what Nina's talking about anything under the cares act There's also the covet 19 pay. I thought unemployment was just if they were furloughed, right? All right, so Um, so I've never heard of covet 19 pay and tom hasn't either specifically not nothing with that name Oh, okay. So need is happy. She's like, yes. That's what I'm talking about. She's talking about the cares act All right, and that that act is c a r e s It actually is an acronym even though it doesn't seem like it seems like it's just care Like they care for us, but it actually is c a r e s Um, let's see. Okay. Look how happy Nina is. Yes Somebody knows what I'm talking about Yeah, Rebecca says I was hoping once I heard if I was approved that I could hold signing the papers Until I saw some hope that the economy was returning Doesn't look like it works that way um But uh, give it a shot Rebecca and see Um, I've had two different people told me that the bank gave them up to 10 days to close from when it was approved Nice So they could set A closing date and I know one person actually did that he Set it out 10 days from the day that it was was approved Nice, okay So and I know somebody that pushed it out and then got another seven day push so I don't know ask Can't hurt to ask All right, you know, I don't know if that's standard or different banks do it differently too. I mean, I don't either Yeah, I don't either but absolutely ask ask for everything that that you can You know think to ask for what's the worst that's going to happen Absolutely And don't take no for an answer at the first pass either. Well, how about this? What could we do it another way because a lot of times You know, you can get something more than nothing if you Ask a few different ways Yeah, absolutely All right, so it looks like um We got the the problem of the 600 dollars taking care of the cares act Money so the federal the federal 600 dollars a week for unemployment So, yes for that it sounds like you have to have worked 30 days Interesting So even if you qualify for state unemployment, if you weren't there 30 days, you wouldn't get the extra 600 dollars Well, and can you qualify for unemployment if you haven't worked for 30 days? State unemployment, it depends that varies from state to state on how many hours they worked Oh Probably I mean, it would probably be it would probably be hard to do that. Uh, sure. Yeah Yeah, I don't know of the state that you can do that I haven't heard of one that you can but I haven't talked to people in all the states. So I definitely do not know I've asked I've asked that question more than once once over the years and the answer always comes back to me in terms of hours worked rather than days but it probably Whatever the hours worked are probably would would exceed 30 days. So Yeah, and we have a day we have a day limit here Um, so linda says her bank is okay with holding off the signing. That's excellent Did they give you a time frame linda? How long you can hold off? I'm curious to hear about that. Yeah, also curious if anybody has gotten any eidl funds I've heard one person that has gotten the ideal monies got the $10,000 um advance advance which is supposed to be treated as a Would an advance that you don't have to pay back Yeah, supposed to be right, but they changed the language. So it's a little bit iffy there Initially, it was a grant then they changed it to an advance on the loan That's supposed to turn into one. So Wow, at linda's bank. Um, they told her she didn't have to do it until she needed it. That's amazing That's amazing. Yeah, although I wonder how that's gonna play in So tom with your new information about june 30th. Does that mean It's a non-issue then Well, that was why was the the the ruling Uh, the days were blurred, but that was from last week. That was like thursday, maybe friday at the the latest And that was coming from some people who had been approved. It was going through this whole process. It was like, well, you know They were trying to figure out even they're going to take the money or not and when do I have to pay, you know Yeah What's the criteria and and and one of the things that that the both of them them said was the story was that The gene 30th date was was was kind of arbitrary. It was really about what happens for the eight weeks when from the day they They take the money Yeah so the Susan's asking did that person actually get 10,000? Yes, they did But I also know somebody that did not get the whole 10,000 and I can't remember how much she said she got it was on a um, it was reported on by a county official on a call and that it was um, they got significantly less The number that popped into my head was $1450, but I wouldn't swear to that So it was up to $10,000 But the person I know that did get that the advance was 10. They did get the full 10 brand In the county I feel like something to do with it. Oh, what you mentioned a county official Yeah, so we were on a on a call and The mayor was on the call and there was a whole bunch of different county officials Um on on this call and they were sharing different things about how the different programs work and In the the different counties around around me And one of the county officials and I can't remember who it was Said that she knew of somebody personally that had gotten EIDL funds, but at a much lower degree and that I thought the number was 1450, but you know, like I said, I wouldn't swear to that number um, but then they started talking about how Not not everybody's getting $10,000 It was initially thought that everybody would be getting that $10,000 Grant but that's not at all how it is And even if you have like 25 30 40 50 employees You still can't guarantee that you'll be getting that $10,000 grant So um because those monies are gone I'm not grant. I'm sorry advance Turning into a grant That we were like to believe that we don't have to pay back Yeah And that we also sort of heard we're going to be mana from heaven that we would all have within three days of having the conversation By thursday, we're gonna have 10 grand every single one of us um I did hear of somebody that also got their stimulus check that makes anybody happy the 1200 dollars um, and her family got 2400 dollars so I mean on the one hand. I'm sad that they don't make over a hundred thousand dollars, but on the other hand. Yeah, I'm glad they got 2400 so Yeah, good for them So I know those monies are for sure coming too But the black priming all right. It's good to hear that somebody's getting it. That's a good sign. Yeah And if you don't have a direct deposit account set up with the irs It's going to be a while longer because they're going to have to mail the check And they said quite a bit longer when we were looking at the calendar remember that one calendar They were talking like 10 weeks so a lot longer and there's a I think turbo tax has like a portal if you can plug in some some direct deposit information the irs is supposed to be coming out with a portal that you can do that too i've seen a couple of different congressmen say that within the left within the next week and that was late last week But I haven't heard Any details about that that if you don't if you want to get your money sooner you can go to an irs website and plug in um a bank account That they can direct deposit them That's good news No, so that people don't have to wait so long. I love that the other the other important date that I saw is April 18 That the federal unemployment money is 600 a week are supposed to begin being just first So that's that's just the end of this week here So that's supposed to be happening That's good Anybody else have anything going on? I'm curious what anybody else is doing anybody's plans for What they're going to have their people doing for those eight weeks if you are Not open and you can't get your money pushed back like linda can lucky linda. We need to go to her bank But if you can't get your money pushed back, what are you going to be doing? How are you going to Be employing your people to do what what will they be doing? I've heard a lot of Of different strategies. I'm just curious if anybody out here in facebook world has any ideas of what they're going to be doing But I think the big thing that most people are talking about is training online training Which is you know, you can't do training in person with the six the six foot rule. That's gonna be a little bit tricky but Especially if you have a stay-at-home order So there's there's um alana who is Also an attorney. She says she's going to hire her family. So sarah. I think that you were asking about hiring your husband Um, maybe maybe talk to alana. She's going to hire her family. So Um, she has less concern about hiring family than some people do for sure Say it again, Tom if there's a problem alana can defend you. Yeah Um, yeah, she's gonna love you for that one, Tom So mary says she knows some people in minnesota. They got their 600 federal money Yay, okay. Good. So if you're in minnesota, you're getting it sooner We're not getting it until the end of the week here in washington Uh, no, let's see denit says no on topic. Can you respond to the two-day presentation? And oh, I'm so sorry and if it'll be recorded and available for employees who will be working at that time So tom, would you like to speak to that the um education on wednesday and thursday a little bit? Yes, it will be recorded and I mean, I guess it lives in Facebook world for forever, I guess, but we're going to Also put it on youtube and make it available that being said, um We we're trying to encourage as many people as as as possible to be on the live version because we will be taking questions and want to be able to Kind of have the same Dynamic as as what we have on these calls. So, you know having a number of people on on on those facebook lives will Make it a richer better product for for for everybody, but yeah, it'll it'll you can go back and catch it later if more important things like Making some money during that time is is is an option. I would certainly Encourage that and it is free And it will be on youtube. Did you tell them about that? Or maybe um put the link tom to the I think a lot of people don't know about the modern cleaning page Yeah, that might be valuable We decided to stream it to two different pages. I guess some of the feedback that we got About streaming it to the cleaning business today page is there's concerns that There's a whole lot of information on the cleaning business today page About you know, hey, this is how you can start and run a profitable cleaning business which is kind of our purpose I guess but Wanted a different place that that all of our employees could could log in or or just go to and visit and and hang out and modern cleaning I guess is a business that we've had for 20 years now, I guess and it's kind of evolved over over the years But we did a lot of work over the years in terms of the science of cleaning and there's a lot of nerdy type blog posts on You know clients of cleaning type stuff, but And there's a store there you can buy some stuff if you want to but there's nothing there that's going to There's nothing there that that anybody would have any concerns about their employees saying it's not going to Motivate anybody to go out and start their own cleaning business Um, let's see. We have a couple of questions here Uh, great. Thank you. We'll do our best. That's you did need if you hire family You need to pay them through payroll correct absolutely Susan that one. I don't have to ask about that one for sure That's a soft fall Yeah, that's an easy one Linda says will you still get a certificate if you watch later versus live? uh, yes we're gonna have a quiz that will be An online quiz that the link will be available after after after the program And really we're going to be doing on honor system We're going to be asking people to to to assert that they participated and watch the entire program and if so, you can go ahead and take the quiz and if you Successfully answered the questions, uh, I'm not even sure how we're going to score. I mean, I know I know how we're going to score it, but I don't know exactly how many questions We're going to be on it. We're still developing all of that if you pass the quiz then you get your certificate completion and I fully expect that Everybody who takes the quiz will pass it There you go that answers your questions and eats Um, yes, happy to answer your questions. Sarah. Do you have any more? Do you feel like we helped you out? um with everything that you needed And then Susan says what is the name of the program and will it be on this group page? Yes, it will be on this group page And is there a name of this program Tom? There is a name I can't remember what it was, but yes, there is a name Susan. It's real catchy Can you tell I'm not remembering a lot of anything at the moment Tom will pull it up for us and And then we'll know Well, bang You'll do this Oh and Tom after you're done with that, you should probably share the cbt link just realized it's already 305 Okay, so here is the modern cleaning facebook page and it's just facebook forward slash modern cleaning um What house cleaning professionals need to know in a covet 19 world? And it's the name of it You guys see my screen, right? Yep Okay, so you click here and explains a little bit what it's about and you know, we're not This certainly isn't comprehensive and doesn't cover everything that a you know a house cleaning professional would need to know in order to be a house cleaning professional So we are assuming that the people who you know are participating in this that their primary job responsibility Is cleaning homes and we also assume they understand the basics of You know safety and cleaning products and tools and equipment because we're not going to be you know We're not going to go all the way back to the beginning We're going to assume that you know, these are people who have experienced cleaning homes every day But we're going to get into You know the specific safety issues and procedural issues and things you need to know issues in order to Responsibly clean homes now that you know, we have to deal with covet 19 We are not going to be getting into all of the work that we were talking about sharing grammar and what his business Her business does if you want to learn that there are other resources for for that Like I said, so that's kind of what it is and what we're doing And when it's going to be wednesday at four o'clock and the second part is going to be thursday at four o'clock and those times are eastern and If you want to I guess that the thinking is you can get it either modern cleaning Facebook forward slash modern cleaning or facebook forward slash cleaning business today And I suspect most of the people on this call are in cleaning business today. That's Perfectly great. You can get it either place for those who said they don't want to send their cleaning technicians their cleaning professionals to cleaning business today then Modern cleaning is an option because we're not Encouraging anybody to run a cleaning business on modern cleaning. We're just talking about nerdy cleaning Stuff that they're not going to want to look at If it's not for this event So we're going to go to cleaning business today Um, this is where you subscribe to get our newsletter And if I go to coronavirus downloads, this is the Secret page that we are dropping all of the resources that we talk about And we added after yesterday's call a link to The association that Sharon is a member of to get special training if you want to Do Bio recovery work clean up meth labs and do COVID-19 cleaning and You know clean up murder scenes and whatnot all right Yay. Okay. Good job Tom and uh Looks like we are pretty much done here today than Tom Yeah, 309 so We'll be we'll be back tomorrow And Wednesday and Thursday rather than starting at five. We're going to start an hour early at four and go for an hour and a half each day so And that's going to be you know, just the the COVID-19 training for for cleaning professionals. So we'll It's almost like a weekend. We'll have to give this discussion a couple of days when we come back Friday. Think of all the stuff that will happen One more real quick thing you guys for anybody that's new to these Facebook lives here Tom showed you the that page on cleaning business today the link of resources go there um and and maybe start at the bottom of the list and and work your way up instead of vice versa because some things changed Since we put things in but I The stuff that's in there is pretty pretty amazing. It's information you definitely want to have if you don't already Alrighty you guys are welcome. Good to see you Mary always good to see you Bridget Talk to y'all later. Thanks for being here guys. We'll see you tomorrow at five. Bye. Bye


Okay, Simon asks, I am an objectivist but I disagree about free will. Could you speak to the idea of free will, not existing but consciousness existing created by the brain as an emergent phenomena? But then why should I talk about it? If you have no free will, it's a meaningless idea that you can have reason without free will. Reason needs to be activated. Something needs to activate free reason. Reason is not automatic. People are not just reasonable. People are not just rational. It's not just an automatic function. Reason and rationality. They need to be turned on. Effort. Effort needs to be exerted in order to get them going. That's the free will. The free will is exerting the effort necessary to reason. It's exerting the effort necessary to focus rather than drift.


We got a guest from Miller Park. It's Eric Kratz, who's done a wonderful job this postseason catching for the Brew Crew. Eric, it's Kevin Burkhardt and the rest of our crew. And congratulations on a game six win. And just have to ask, you know, here, David Fries, we were just talking about, it's a home run first batter.  How important for you guys to respond immediately the way you did? I mean, it's important, but, you know, we talked about it that there's obviously going to be urgency in this game. You know, if you say there's not urgency in the game, you're lying.  You know what? We did a lot with two outs in that inning. The crowd kind of fueled us through that. And, you know, while it was quiet after he hit the home run, that's a really good hitter. You know, it was a really good hitter, got a pitch that was out over the plate. You know, you got to tip your cap to him. But I think Aggies at bat was huge. And it just kind of, you know, catapulted us to a couple more runs. Eric, how you doing? Congrats on the win today. Alex Rodriguez here. You've done such a phenomenal job with the staff. I'm interested in your hitting. I've been so impressed with how you play. Little baseball kept us small, and big things are happening. Is that something you're trying to do? Go the other ways? Is that something you're thinking about? Absolutely. You know, nobody's going to, nobody in the Dodger side is going to sit there and make the game plan to make sure Cratch doesn't beat us. You know, they're going to game plan for the other guys. So I really have to do a good job of just not doing too much. Something that, you know, something I heard somebody that had a little bit of playoff experience say, if you do more in the playoffs, you get less. If you do less, you get more. So it's something that I really kind of have taken, taken to heart and, you know, I'm just trying to put the barrel in the ball and, you know, not take, not try to do too much. Everybody wants to hit a homer in that situation. And maybe that'll come, but not because you're trying to do it. OK, what's up, Papa? Big Papi right here, man. How you doing? Congratulations on the win tonight. Very excited, man. Hey, listen, we compete a lot against each other and you are a trooper, man. I love the way you go by the business. How comfortable you feel about your bullpen for tomorrow game? Well, Papi, do you remember that we were actually teammates? We did, of course, you know. It was for two days, Papi. For two days. I didn't play it again. Did that count? For two days. It's OK. It's OK. It counts. It counts. I got my jersey. You got it, man. No, seriously, though, we are really, we're really, really thankful to have these guys. But not one of these guys is the guy that we lean on. And it's something with our bullpen. What Burnsy did tonight, you know, he's still available for tomorrow. So it gives us an opportunity to be confident with every guy. No, we're not throwing a guy out there saying, I don't know, you know, I don't think this guy's going to get the job done. You know, we better have somebody else ready. Everybody has an opportunity to help this team. And we've used everybody. And that's an incredible thing that we can lean on as an entire group. Eric Krax, Frank Thomas here. You've been around the game a long time now.  I've never seen anything like it in my 20, 30 years in Major League Baseball. In the bullpen? No, not as consistent in the bullpen. I caught a couple pretty decent starters. When I was in Philly and me and Frank, actually, we were in a big league camp together a couple of times. So if Frank forgot that, that's OK. I didn't want a single just poppy out there. But no, these guys are doing stuff that is, they make it look simple. But as baseball, as baseball will show you the game isn't simple. And what they're doing is absolutely incredible. Their ability to throw to four quadrants of the strike zone, not just OK, well, this is just our one wipeout pitch. And they're able to attack the different quadrants of the zone, which makes game planning so much easier. Eric, just one last one. We thank you for the time. This is awesome. And just a quick aside, poppy's been working with us for two years. He doesn't know our name. So don't feel bad about that. That's right, Bill. That's right, Bill. It's no problem. It's no problem. Kevin, I've never played with you, Kevin. Or Kyle, whatever poppy's calling you. I thought you were working on the front office when you came to the Red Sox because you worked for two days. Never thought you'd play. That's why. I was there, yeah. If you would have seen me play, you would have been like, hey, you're definitely a front office guy. I thought it was an spy or something. Hey, Eric. Listen, love you, brother. Keep enjoying yourself. Keep playing well. Best of luck in game seven. OK, thanks. Good luck, Eric. Thank you very much, guys.


For the first time, Goff on behalf of Labour has admitted his party got it wrong supporting Peters as he battled claims of dodgy money dealings. I think that that was part of a focus on what Labour was doing that was off theme of what New Zealanders wanted. The man who defended Peters, former Finance Minister Michael Cullen, agreed. There's no question that causes political damage. I've never tripped up, I've never stuffed up, I've done the job, I've done the job, I've done the job, I've done the job, I've done the job, I've done the job.


Hello, everyone. Welcome back to another Premiere Pro tutorial. In this one, I'm going to show you how to do the laser effect, or the eye lasers, or the Superman eyes, or the Superman effect, where you fire off lasers. Let's hit spacebar and see what it looks like. It's very, very subtle, but you'll see it. Bang. There we go.  Well, it's not really a ball, but whatever, it looks like it. Okay, whatever. Let's just start from scratch. I'm going to show you how to do it very, very quickly. Okay, good. Here we go. We've got some footage. Drag and drop it into the timeline. Move forward to the part where you want the laser to start shooting. So, right here, when the dog is looking down, that's where I want it to shoot. So, I'm going to hit Command-K or Ctrl-K if you're on a PC, and we're going to cut it right here. So, this part is just regular, and this is where the laser starts, and then the laser stops right about here. This is a very, very quick effect, only a couple of frames. So, maybe like four frames, six frames at most. I'm going to hit Command-K or Ctrl-K and do another cut here. So, the laser is a very subtle effect, and it's going to apply just to this little snippet here. So, what do we got? We got one, two, three. We got a few frames in there. So, no big deal. So, this is the part where it's going to be applied. The next step, we're going to go to our effects panel over here, and we're going to grab the lightning effect. Be careful not mixing it up with lighting. They're completely different. Drop lightning onto this small section where we're doing that. So, where the effect is going to be applied, and you'll see that there's a little bit of a sparkly lightning in there already. All right, no big deal. Let's just get this rolling. Okay, the next step is we're going to actually change the width to, let's go to 100. Let's really sell the effect. So, we want this to be really thick lightning. And of course, if you want the lightning to be, I don't know, some other color, maybe you want purple lightning, I don't know. There you go. Let's change it. Pink, tinge-ish, whatever. Doesn't matter, but we've changed the width to 100. Now, we're going to go ahead and make a few other changes. Importantly, we're going to reduce the amplitude to zero because this is not a lightning effect. This is a laser effect. If you want it to look like lightning, then don't change these settings. Don't change the amplitude. But if you don't want that and you want lasers, change the amplitude to zero and the branching to zero. That makes it into a straight line, kind of like a Star Wars laser type look. Okay, good. Now, making sure we're on the first frame. So, I'm just going to make sure we're on the first frame of this little snippet here. We're going to go ahead and make some changes to the start and the end point. So, I'm going to click out and then we'll click on the start point. And when I do that, it's going to make me give me an option. So, I'm going to move this piece here. Pardon me, that's the wrong one, 50-50. I'm going to click on this here and you'll see here that I've moved the start point. And if you look at the effect controls panel, you'll see the start point numbers adjusting. I'm going to move it to right here. So, I want the start point to be right above the eye. Okay, because that's where the laser originates. And now, I'm going to go ahead and once I've got that correct, I'm going to click on this toggle animation and that way we're going to now start the animation. So, the next thing is I'm going to click on the end point and we know this is the end point here and I'm going to move it on top of the start point, pretty much on top of it. And the reason why is because when a laser starts firing, it hasn't moved anywhere. It starts in the eye and then it shoots out. So, now I'm going to go ahead and click on the toggle stopwatch. Come on, Curtis, use your friggin' words. And we've got the end point and the start point in the same spot. Now, we're going to move forward one or two frames. Let's go forward two frames and we're going to change the end point. So, you see this? This is if we were shooting it straight down, which we're not. So, I'm going to go ahead and click on end point and then I'm going to start moving it. So, I'm going to move it, well, I don't know, we're going to shoot down in this direction, right? How does that look? Something like that? Okay, good. So, I'm going to start it shooting there and now it's got a animation, two frames in. I'm going to go two frames forward again, one, two. And we're going to shoot it, I'm going to hold down the shift key and we're going to shoot it something like right there, okay? And then if I go another frame or two, two more frames, we're going to shoot it out. We're just going to shoot it right out of there. And I'm going to try and make sure it's straight, but there's a little bit of a wobble in there, but that's okay. It makes it look a little bit more organic. So, now what does this look like? If I go back to the beginning, there's the puppy giving out his kisses. Bam, he fires off his laser. Now that laser fired a little bit too slow for my liking. So, I'm going to go back into this little snippet here. I'm going to go back to the endpoint and I'm just going to go ahead and start moving some of these points closer. So, if you look at this here, I'm just going to go ahead and say, let's go speed this up. We're going to move these to the left a little bit. This way it goes a little faster. I'm going to move this one to the left a little bit and this one to the left. So, now let's see what we got. Bam, we got a firing laser out of the eye. That's how you create it. If you wanted to see that smoke effect that I had there, what you can do is I'll go to Google Chrome or Google your web browser, whatever you're using. I use Chrome, pardon me. And go to pexels.com and select one of these smoke ones. I selected this one. I would download that. I would select it. I'd show it in the finder whenever it's finished downloading. I'm going a little faster than I'd like here. And then once it's finished downloading, I put that in. I drag and drop it on top of where I think the smoke would start. So, let's say right about there after it hits, it hits and then the smoke starts, right? Well, that doesn't look quite right. So, what you need to do is you need to go ahead and change this to screen mode first off. So, there we go. We've added it in. Now, the smoke is coming in a second here. Smoke, boom. The smoke needs to start pretty quickly. I'm going to go ahead and I'm going to adjust it. So, I'm going to go and turn it around so that it would come from where I think the laser would attack where basically where the hit point is. Bang, and now there's where we want it basically coming. So, we'd want to basically move that right here and then we've just got some smoke. Boom, the smoke comes in. Not quite perfectly, but you get the point. That's basically how you go ahead and animate the smoke. I would move it to something like that maybe actually. Let's see what we got here. Boom, smoke comes through just like that. That's how you animate laser eyes guys inside Premiere Pro. Thanks for watching.


Twisted Wire Ranch is our business and we run equine assisted learning program, horse program with Leading Thunderbird Lodge. Leading Thunderbird Lodge is a youth detox center for boys ages 12 to 18 I do believe and they target kids, First Nations kids that are struggling with addiction. They can be, they're Canadian wide so they can come from all the way from Labrador to BC up to the Northern Territories, anything in Canada. 90% of it is a riding program. There's other ELA programs, equine assisted learning programs out there that do mostly ground-based training. We on the first day is all ground-based get to know your horse and then from there on out it's all riding. They are on the backs of those horses basically for those three months as they come. We try to make a relationship with the kids and the horses that kind of reflect each other so there is that mutual ground. Sometimes as the kids progress in their riding we put them on more challenging of a horse and vice versa. If they're struggling with one we maybe kind of back down a little bit and we change horses up so we have quite the spectrum of horses that way that we have at our you know disposal that we can use. The horses they've been doing this for quite a while so when the kids come in the first thing they always do is a meet-and-greet. The horse always turns around and smells that person and they get a feel for who that is and I always encourage the kids to talk to that horse and introduce themselves and it's really kind of silly but at the same time that horse needs to know who you are as well as you need to know who they are and so somebody who's laid back as a horse and you get somebody in here who's just radiating nerves you can see that they pick that up but at the same time they're so comfortable with that that they start to relax and then you'll notice the kids start to take a deep breath and calm down and pet them and just start to absorb that energy off that horse as well that calmness from them. Open a whole new spectrum when you put the youth on a horse. Horses are herd animals they're meant to follow a leader there is a boss so when you're on the ground they're always following that youth wherever they need to be and through their challenges but the minute you take that that leadership roll away from directly in front of them and you put them on top now they have to communicate a little bit differently they have to through body language and just their emotions on just sitting up there and if they're you know nervous that horse can pick up on that and so they have to learn to be able to control their emotions and and express those in a little bit differently when then when they're on the ground. It teaches them how to work as partners. It teaches them how to work with other people and how to not just follow the leader. Not just follow the leader. Makes them take control. We try to hit all aspects so spiritual horses and First Nations have there's a big connection between the two of them as well as doing some physical activity it is very physically demanding riding a horse and then obviously emotionally having a one-on-one connection with that horse and building a relationship and a bond with their partner because they do are challenged and each horse is different so we try to match them up as best we can with something that reflects them we always say as a rider the horse is a reflection of you so we try to have that relationship between the youth as well as the horses. The focus on the correlation between horses and First Nations there's a big entity there that is it goes back like a long time that they've always been connected and youth and horses and animals there's always that relationship that there's people can't put I guess a figure to it they can't it's just an emotional connection that there's you can't explain really the minute they touch those horses and they feel the warmth they feel that the hair and that they know that they're having a connection with that horse there's just no way of I guess explaining that. It's from start to finish over those three months and getting to know those boys and the fact that lots of them have never touched a horse and then watching them deal with struggles and having those breakdowns they have something didn't go right that day and then you see them talk to their horses and then all of a sudden it's like everything's right in the world for them when they get here for those two hours there is a love hearing the success stories that have come out of the lodge not just through the kids in the lodge as well as just our horse program I'll meet them four years from now and they're oh my god Dallas I came to the horse program and I think that's and you know they never go on to necessarily ride horses after here but it's one of those ways of reaching them while they are here and and having that opportunity to be around the horses. To me it's focusing on the whole being so you want to make sure that there's you know physical as well as spiritual and cultural and all those aspects are kind of all broached so that people have a well-rounded opportunity to come out of school and be you know very successful. I just hope that they're able to be successful and if we can approach it's not just mainstream down you know everything's the same so I love that they are broaching new ideas in order to reach these youths and give them more opportunities to get educated and find something that works for them whether you know hands-on work or or academically that type of thing.


Ladies and gentlemen, the President of the United States. Good morning. It's a pleasure and a privilege to join such an accomplished group of producers and achievers. I almost thought about wearing snow clothes here, being in Washington. But you all became presidents of sizable corporations by the time you were 40. That says a lot about your energy, drive and vision. Some of us take a little longer. You are the people most able to lead the coming economic recovery, increase its momentum and bring renewed prosperity to America and the world. By definition, you are risk takers, capitalists and entrepreneurs. Your comparative youth also indicates you're open to new ideas, ready to try new ways of doing things. And that's just the kind of attitude we need to guide America into our next period of economic greatness. Those of you from the Midwest are well aware that the recession has hit hardest in areas dependent on what has been called our bedrock industries, autos, steel, chemicals. At the same time, some of our service industries, such as banking, computers and communications, are not as affected by the slump. They are becoming pillars of our economy. We're stepping into a new economic era and one of the most challenging and exciting decades in our history. High technology is revolutionizing our industries, renewing our economy and promising new hope and opportunity in the years ahead. America is emerging from a painful period of adjustment.  We're also suffering the structural problems of an industrial society transforming into more of a service and information society. Our traditional basic industries are not about to die away. America must never abandon them. They're fundamental to our economic base. But each of us, from corporate president to government official to millions of men and women in the marketplace must recognize what is happening so that we can harness the forces of change to help all of our people. This technology phenomenon is not new, but it is accelerating. Since 1945, service industries have been providing an increasing share of American jobs. Between 1977 and 1980, jobs in computers and data processing increased by 64%. By the year I took office, nearly three-quarters of all Americans worked in the service industries. In 1982, the service and information sector of our economy made up 50% of our total gross national product. For this growth to continue, we must both revitalize our industrial complex and encourage the boom in our service industries. They depend on each other and both have a vital role in tomorrow's free market economy. Our basic industries must move into this new era by using and catering to new technology. Our factories must be retooled and recharged and our systems must integrate high technology whenever possible. If we're to compete internationally, we must, as someone once said, walk forward, not backward into the future. You, the captains of industry and commerce, and we in government, share the responsibility for moving our people and our economies over the threshold. We share an obligation to lift all our people into a new age of prosperity, bringing skills to the untrained and opportunity to those without hope. For as Franklin Roosevelt said, we cannot attain a lasting prosperity in a nation half-boom and half-broke. In the long run, if men and women like you fulfill your visions, economic growth will put our unemployed back to work, revive idle factories, and open the necessary doors of opportunity. As we've seen with the reopening of the Chrysler plants in Fenton, Missouri and the rehiring of a total of 3,200 workers there, the developing recovery is beginning to provide jobs. But, as I've said before, our people continue to hurt. Those of us in government and you in the private sector cannot afford to sit back. We must act. We'll not rest until every American who wants a job can find one. In the short term, I have twice extended the unemployment benefit of workers whose insurance had run out. And I'm asking all federal departments and agencies to study the prospects for speeding up already-budgeted construction to provide jobs sooner than later. But there are other challenges. We must bridge the growing gap between the skills of today's workforce and the future needs of business and industry. That's why last October, I signed the Job Training Partnership Act, which will train more than one million of our citizens every year in skills that local business, civic, municipal and labor leaders say are needed in their communities. Shortly, I will submit to the Congress the Employment Act of 1983 designed to get at the special problems of the long-term unemployed as well as aid young people trying to enter the job market. I'll propose extending unemployment benefits, special incentives to employers who hire the long-term unemployed and support for programs for displaced workers, training and relocation assistance. Our proposal will also include new incentives for summer youth employment to help young people get a start in the job market. In our commitment to ensure that all of our people share tomorrow's opportunities, this administration is also moving to assure legal and economic equity for women. We will also seek extension of the Civil Rights Commission and we will propose measures to contain the skyrocketing costs of health care. Government must get a hammerlock on the budget monster that threatens the road to recovery. I recently sent to the Congress a budget that is fair, prudent and realistic. It includes, first, the strong but necessary medicine of a federal spending freeze. Second, specific measures to control the uncontrollable entitlement programs. Third, $55 billion in defense savings. And fourth, to ensure the reduction and eventual elimination of deficits, a standby tax limited to no more than 1% of the gross national product to start in fiscal 1986. But to start only if Congress has implemented the proposed spending cuts and if the deficit is more than 2.5% of gross national product. At the same time, however, this administration will fight to preserve the third year of the tax break coming to working men and women this July and the tax indexing provision which will protect all Americans from inflationary bracket creep. We must not allow inflation to flare up again because of deficit spending as it has in the past. But let's not lose sight of one vital point. America didn't run up a trillion dollar debt because government didn't tax enough. We're saddled with a trillion dollar debt because government spent too much. I urge you as leaders of the private sector to join us in our campaign to forge a working partnership for recovery between business, labor, education and government. Already, such a partnership is addressing the training needs of American workers. With the help of our task force on private sector initiatives, thousands of working people to the community level have already made the shift from dead-end jobs and low demand skills to the growth areas of high technology and the service economy. There is so much more to be done. Together, we can claim this new world of technology and innovation for America and all of our people. Now, I understand you may have some questions for me. Mr. President, first a question from Fritz Gruppi, who is president of the Gruppi Company. All right, Jack. Mr. President, you indicated in your address to us that we're seeing a trend towards the high-tech and service industries, information society. What role do you see the U.S. playing in heavy industries? Well, there's no question that this doesn't mean or no possibility, that this means that we're going to do away with those industries or see if we can do without them. That would be impossible. They are still a strong base. But this transition we're going through does not so much mean the disappearance of, say, one of the smokestack industries. It means that high technology is moving in even there, recently visiting the automobile company that I mentioned in my remarks. I stood at an assembly line that once used to be lined with workers, but the work was all being done by robots. In other words, we will still have the auto industry and the steel industry and all those things that go with it. We must have them. But they will not require the same number of workers they did before. We have a question from Tiggs Davis, president of Barron Data Systems. By lowering the capital gains tax has increased the formation of new businesses in the United States. What else can be done to really increase that formation and to increase business in the United States and to help compete in the world market? Well, we have already put some things in place. One of them is that very third installment of the income tax that I mentioned. But in our tax program of 1981, we made great changes, as you know, in business tax to make it more possible, faster, right off and so forth for replacing plant and equipment. A number of things of that kind were done to have the same effect that the lowering of the capital gains tax has had, and that is the greater investment. As a matter of fact, government is getting more revenue as a result of the reduction of that tax rate. So we have a number of tax proposals in there that are already in place. We're looking at other things of the same kind. And the improvement that has been made in personal savings, we're in the best situation in that that we've been in since 1976, and that has added billions and tens of billions of dollars to the pool of private capital that is available for investment so that when we can once get at the task of reducing these deficits, which we're going to do, but even with the deficits, there will still be money left for private investors as well as to fund those government deficits. John Darden, President Sands and Company. Mr. President, among rising concerns about the cost of the arms race, how can you justify the large increase in your budget for defense spending for the next several decades? Well, now I know there's been a constant drumbeat about defense spending and as if that's responsible for all our ills, and it makes me able to understand why such a question would come. In the first place, we are spending a lower percentage of the gross national product on defense than has been customary in the past with the exception of just the few years before we came here when there was a real decline in defense spending and a real decline in our ability to protect the freedoms and the people of America. Now, we're not only have we reduced the percentage to about 7% of gross national product, and back in the 50s and 60s, it averaged 9 and 10% of gross national product, but we also are taking a much smaller percentage of the budget as a whole. Defense spending that we've asked for is only 26.7% of the budget. Historically, defense spending has been around 50%, and in the time of John F. Kennedy and his administration, it was about 46%. So we feel that it is necessary to do what we're doing, but the budget that has grown the fastest, that is taking the greatest share, is that of the transfer payments, the so-called entitlement programs where the money is being taken from workers and earners by way of tax and is being distributed. Now, we are going to be very careful and are careful that we preserve what we call the safety net and make sure that those transfers will continue to the people who are truly needy and who must, through no fault of their own, depend on the rest of us. But we have found that those programs had become so loose administratively that there were people that were sometimes better off than those who were being taxed to support them who were receiving those transfer payments. We have done our best to tighten that up. We are making gains in this 84 budget. The Congress will pass it that will remedy the situation with those so-called uncontrollable items, the entitlement programs, these transfer payments. But again, let me point out that the biggest amount of the defense spending is not, as some believe, the investing in great new weapons systems. It is the simple fact that we began paying the military something a little more commensurate with the service that they are rendering to our country. And the result has been, in these two years, a fantastic improvement in the quality and the quantity in our volunteer military. As of two years ago, people were saying it was a failure and that we would have to resort to the draft. Today, we have waiting lines. Today, we have an intelligence level and a number or percentage of high school graduates in the military that is higher than we've ever had before even when we were using the draft. But I don't see how those who are criticizing can justify it that we are spending an inordinate amount on the military. I've given you the figures on that, the percentages and so forth. And I have to say that, and incidentally, I pointed out in my remarks that over the next five years, we ourselves are cutting $55 billion out of our original program. We have already cut some 41 voluntarily, $1 billion out of that. And the Congress has cut some more, which I wish they hadn't, because it did throw us off balance. But we're going to continue to find the efficiencies and the economies wherever we can that will get the best out of every dollar that's being spent in defense. At Stanley, president of Stanley Investment and Management Company. Mr. President, all of us serve as chief executive officers of our companies.  We'd be interested in your personal reflections on the job, how you deal with the decision-making process and the pressures that make a job that make your job as difficult as it really is. Well, we do have a lot in common. And I think maybe one of the things I do that I learned as governor of California is pretty similar to what you as chief executives have to do in your businesses. First of all, I want all the input I can get. Now, I had learned over the years that, or at least was informed that cabinet meetings in government, in Washington, for example, were kind of about once a month ceremonies where the cabinet got together and various cabinet members reported on the doings of their particular agency. Well, I changed that in California and have changed it here. Our cabinet operates as a kind of a board of directors. And if the issue involves one particular agency, that individual just doesn't have the floor all to himself. Everyone is affected. So everyone gets into the debate and the discussion as they would around a board of directors table. Now, the one place where we differ is we don't take a vote. I realize that I have to make the decision. So when I've heard all the pros and cons, and I insist on hearing all views, when I've heard enough to feel that I am sound in the soundly brief, I make the decision. Sometimes I wait a little bit and go back in the office and stew around with it myself for a while. Sometimes I make it right there at the cabinet table. But that I have found is one of the most effective ways to get things done and also to have some confidence that I have had all the input that there is on a particular subject. And as I say, I think to that extent that's pretty much what you yourselves do. I have a staff just as you also do and they're involved in all of this. And I hear their views also. Yes, it is an awesome responsibility. I am grateful for the eight years that I had in California in that position because it probably was the best training that anyone could have for this particular job. Much the same thing on a little different scale. And of course, we didn't have a foreign policy in California. We have that now, but once again the same procedure. National Security Council, State and Defense and all. And this involves other cabinet members also. Treasury and the Commerce Department and all are involved in a great many of the international aspects of this job. So we follow the same process with them. And that's the way it works. Thank you very much, Mr. President. Thank you. Well, thank you and together let me say we're turning America away from past policies of despair and stagnation as we still face tough challenges. But we know they're not insurmountable. Just as our forefathers tamed a wild continent and built unparalleled prosperity with their vision, courage and hard work. So we can claim the promise of tomorrow. If we listen to our hearts, believe in ourselves and pull together, nothing can stand in our way. Thank you all very much and God bless you.


Hey everybody it's Sam here, thank you for watching today, so I'm going to be showing you how to make this slim line, it's a screen fold card but I'm calling it a double-sided screen fold card, so I actually made this during a Facebook live and you open it up and you have this screen and I've got this acetate in the middle and then I've got butterflies on both sides because they are a symmetrical butterfly so they work perfectly on both sides and I just think it's come together so nicely. I haven't put anything on the front I actually quite like it as it is I think it's just a really nice decorative card as well so something maybe someone would keep for a while actually you know have it out it was almost like an ornament so I'll probably just keep a nice message on the back and and keep it you know leave it at that. I will be making a slim line box for my channel I'm going to make it as a separate tutorial to fit this in however you can always make your own envelopes and I've got that tutorial up here you can make any size you want so let me show you how to make this card. Okay so I've gone ahead and got everything ready I've got my strips there for the trim around the top and the papers I'm going to be using are from this old first edition pad it's the gardenia and it's the butterflies here still available so I'll see if I can find some links and share those below so you want a piece of eight by eight and a quarter cardstock and this piece along the eight you're just going to score it four now the the height of mine's eight and a quarter because that's the width of the A4 cardstock if you're using letter paper size so yours would be eight and a half then yours is just going to be slightly taller so you can use it you don't need to trim anything off if you don't want to it just means you're going to have a taller card because the slimline cards that do vary around the world there's about three different sizes for a slimline card so along that eight just score it four and then you'll want this piece here which is eight and a quarter by eight and a quarter but yours might be eight and a half by eight and a half you're still no matter what size your score at four and eight so the only difference will be is you're going to either have a quarter of an inch tab like I have or a half inch tab okay so it's those two pieces there now the frame I'm using is from my favorite rectangle die set and it's the card making magic and it's these ones here so I've taken this size is it's three and one eighth by five and three eighths and then the frame that I will go around it is the next size up in those dies you could go the next size up again if you want a thicker frame but I'm at some layers I've done because of the size of this frame so it's three it's just over three and a half by five and about seven eighths of an inch so have a look at the frame sizes you're doing and then really decide on your mats and your layers so for me the mats I'm using are three and three quarters by five and seven eighths and then I've got the pattern paper is three and a half by five and five eighths so I've got three in the pattern two for the front one for the back and then just plain paper for the back and that's where I'm going to write my message so that's all the mats and layers ready and then I also went ahead and I cut all of my frames using that small smaller size and then the larger size and I'll you know show you we're going to use the smaller one to cut the aperture but you just sit your dies together I always put a little bit of washi tape to get a nice even border just kind of tack them together and run it through your die machine for me four times I want two frames on the front and two on the back the other thing that I've changed with this one from the Facebook live is I I added two extra panels to the back but thinking about it I don't think you need to so what I've gone ahead and done is with that larger frame size so whatever your largest frame is your largest die you want to cut some acetate or vellum lots of people have been making this card with vellum after the Facebook live they've been sharing it on mixed up crafters the Facebook group and they're beautiful so you can use vellum as well if you don't have acetate but I've cut that you might have to add a shim but it will cut and that's quite a thin acetate this is all going to come and you know make sense once we start putting it together but that's all the scoring in the sizes now you may want to have a window so you see my two are in the middle two sections you may want to put one in every single panel so it's entirely up to you what's going to happen is this quarter inch tab is going to stick these two together like this okay now you can stick it together now if you want but I'm going to be running this through the die machine so you might might be easy if you do them in two parts if you're going to be die cutting then you're going to need a bigger die cutting machine so obviously the width of this is much larger than your standard however you can cut them with a cutting knife or with a trimmer your aperture if you do especially if you're doing a square or rectangle size so I've got my smallest of the two rectangles because remember that largest one was just so that I could make the frame that's going to go around and you can see where I've added the frame there so it just kind of hides all of the the trim of the acetate so what I'm going to do is first of all is cut this one now I've got this trim here so I want that to sit like it did before and I'm going to be attaching this slightly differently as well so I'm going to have this about here you want to make sure that you've got an even border either side there and then you just want to tack that in place like so and then what I'm going to do so that I can make sure this goes in the same place I'm going to sit it over this one but up to that score line so don't go right up to the top of the card just go up to the score line and then I'm going to just tack that in place there as well I'm going to run that through my die machine now depended on the power of your die machine this die might cut through both of your layers if it doesn't it will leave enough impression for you to be able to cut around with scissors or to lay this die back over and then run it through again so I'm going to go and get this all cut out so those of now all cut out so I'm just folding very carefully over the score line here now the only thing that's going to be different from the Facebook live and if you don't want to see this tab then I would suggest following the Facebook live version but I just think it's much easier doing it this way so what's going to happen is we're going to attach this so actually I need that one to fold that way I think I'm just going to run my red tape along the side of this one so just open it up I'm just going to run my tape on that one just make sure you line them up correctly so you got your top on your bottom so I'm just going to sit that over the top and now that can fold in half and that all folds up and the whole card should fold into that slim line size now the difference with this one and some of you that watch the live is you will very faintly be able to see the join on the back but what I done on the live was I made two extra panels you can probably see the cardstock here so you can actually see a join there anyway I think this is much easier I think a lot of you are going to prefer this way anyway so this is what I've gone for for the YouTube if you do want to check out the Facebook live then I'll link it below so that's all of that done so now I just need to add my acetate so what I've done I thought it would be easier to add the frame to the acetate first and then attach this to the card so I'm going to take all of the red tape off I'm just going to focus on a corner let me do it on here so I can actually see it and you can see it as well you can always trim off any acetate if it's hanging over the edge so I'm just going to lay that all down like so and then I'm just going to run some of my red tape down here and then I'm just going to open this all up and then I'm just going to line it up and pop it over the top and now we've got one of our frames so I'm just going to repeat that on this side okay so I've stuck the front ones down so I'm just now sticking the frame on the back it just finishes it off and tidies it all up and just gives you a really nice effect next I want to make the feet or the base of the screen now you can use any shape you want here again there's been some really lovely really decorative or Nate style ones done but what I did find was easier was to do two at a time if you can if you can't punch through at least it will give you you know show you where the the impression is again it kind of emboss it I want to make sure I've got enough room for my trim to go along there as well and just kind of make sure it's in the middle the idea is is that when it folds flat they all kind of line up so I'm just folding it down where I've just cut those two I've just put a pencil mark so it just gives me a rough guide of how high that one needs to be and again I just want to make sure that I've got it as centered as I can and that punch is just an old one from hobby craft but now when it falls flat you can see I've got them all lined up now I'm going to stick down my patterned paper which is going to line up with my frame so again whatever your frame was is kind of the size that you want your mats and your layers to be so they're going to go there and those two on the back okay so that's now everything's stuck down to the back there already then I'm going to do the trim so what I did in the Facebook live is I took forever to decide what trim I was going to use and then I stuck it all down as a whole piece which looks nice but it does kind of limit you can't pull this apart too much which in this case it's actually fine if you want it to stay in that shape but because it wraps all the way around it does kind of not quite go right into the corner there and if you were to pull this out too far it would start to kind of buckle there to eliminate that and again I think to make it easier how I've done this is I just sell it next to each other and just kept die cutting it to get such a long trim but with this one I think I'm literally going to snip because now I can see exactly where I need to go with it I think it's going to work fine so what I'm actually going to do is just kind of bend that over and I can see exactly where I need to snip that like so and then I'm just going to run a very thin bead of glue you can put some glue onto a media mat or onto the back of your hand and just dab the die over or you could die cut this onto some double-sided sticky sheets but now I'm just going to lay that down and it fits in there perfectly and that way I just think it will you won't have so much bulk when folding it because then I'll start that just kind of well we'll butt it right up but it just means it can fold a bit easier on that join and then what I think I might do actually I'm always trying new ways so hopefully you'll be able to pick up whatever one's best for you but I'm just going to run that glue along there actually anything to make it easier for myself I know roughly where it needs to go there we go that will all dry clear anyway and then I can just snip it that way actually that feels a lot easier to do it that way so again very thin bead of glue again just let that so it will look like it's all one piece because of the way that I'm kind of making sure but it's right up to it and then that little bit of the edge I'm just going to cut away so but now you get that really nice trim and the card just folds it's just the movement in it now it's just much better but if you want to do the one piece like I showed you there you can so I'm going to carry on and stick the rest of those down but also I'm just going to show you one lot of the butterflies because I'll carry on and get those stuck down as well so I'm going to have I think the same orientation so I did like that so the biggest at the bottom these are from an old bright Rosa set which is no longer available unfortunately but I'm going to stick I've already put vellum on the back and I've put some double-sided tape on there as well but I'm going to sit that one just there if you're using acetate I definitely recommend using double-sided tape rather than a glue that one there and then I've got the smaller one is going to go at the top like so and then I will mirror that on the back just flip this one over and just show you actually so you can see the whole process so that one will now go right over the top like so and again that one there and then the smallest one like so and then you can see now they're exactly the same on both sides and just looks really nice so I'm just going to spend a minute like I said finishing that all off okay so that is the finished card really I'm pleased with it definitely prefer the trim this way just gives the card a lot more freedom to move and I just love the back just think it looks really really pretty and there is the other one as well as you can see already just how much that one moves around I mean it slides you know so it works so much better it's easier to fold up whereas this one here is very rigid but still beautiful and when it is like this it looks absolutely stunning so I'm still going to be using it I still love it but I'm adjusting it's good for you to see both of the ways to put it together there so I will link as much of the product that I've used today in the description box below I'll also link the Facebook live video so you can check that one out you can see the difference because this one just slides around everywhere but it does stand up lovely I'll keep them that way yeah so I hope you've enjoyed this screen folder tutorial from me today look out for the gift box it'll be coming very soon like I said that's going to be a separate tutorial check out these tutorials coming up now I'll share the other screen card that I made quite a while ago now if you just want to see a different style and if you haven't subscribed please hit the subscribe button also click the notification bell and that way you'll be notified every time I upload a new tutorial thanks for watching bye