What's happening guys? It's Shane here. So, I had some suggestions that I should go ahead and tell people more stories on the channel. So, here we go. I've never done this before. I haven't posted a story time video. So, this will be my first one. Now, a few months ago, I posted a video about the seven ways that you can stop wasting money.  But I did say that you probably shouldn't have more than three total people living in a house. That means you and two other roommates max and this is the story of how I came to that conclusion. This is going to be the story about a nightmare roommate that I had during college that almost caused this channel, yes, the channel you're watching right now, to not exist. Now, I kind of didn't want to tell this story because this dude was so crazy that in the back of my head, I think he's going to see this video and come find me or something like that. Now, I have some friends that watch this channel. They're going to know exactly who I'm talking about when I tell this story. You know who you are. We look back on it. We laugh. But honestly, at the time, it was kind of traumatizing. So, at the time, I was living in Las Vegas. I was going to graduate school and I was actually in my last year of pharmacy school where you go and you do the rotations for a year and then you graduate and you're done. I only had a few rotations left and then I was going to be completely done and each of the rotations was six weeks. I was finishing each one of them and at the time I was living in this house that was basically marketed kind of like an entrepreneur house. I don't know if you guys have ever heard of like the incubator houses that happen in Silicon Valley where a bunch of business people and coders and programmers will basically all move in together in one house when they're trying to do a startup. That's kind of the way it was marketed anyways. It turned out to be that some of the guys in the house didn't do anything involving entrepreneurship. They were just sales guys. But yeah, I heard about it. I thought it was a good idea, especially since I was somebody who was trying to get into the online entrepreneurship side of things. And so I moved in. Everything was great for about the first six months. There were seven total dudes in the house and we all got along really well. The only issues we ever had were once in a while somebody would accidentally eat somebody else's food. I mean, that pretty much always happens when you have roommates. It's not that big of a deal, especially as long as it only happens once in a while. But anyways, about six months in or so, two of the guys move out and two new guys move in. So the first guy that moved in, he was kind of quiet, a little bit weird. I sat down with him for the first time and we were watching like the animal channel and he just had this really weird comment. This was the very first conversation I ever had with him where we were watching, I think it was like lions hunting gazelles or whatever the heck.  Just a super weird comment. He even brought up like Nazis and Hitler or something like World War II. I was just like, whoa, dude, I was really taking it back. It was a horrible first impression. So we're going to call this guy Weird Willy. Okay, so Weird Willy moves in and then a few days later, another guy moves in. He's really cool. He's this really tall guy. You could tell that he played basketball. He said that he even played basketball in college. He was really outgoing, really cool, super easy to talk to. He showed me his Instagram and he used to be like some kind of basketball trainer and he worked for the Warriors. So he had like pictures with Steph Curry and all these different basketball players. So yeah, really cool guy. We're going to go ahead and call him Cool Guy Chad. We're all a little bit disappointed with Weird Willy, but then Cool Guy Chad moved in. So he kind of balanced it out. So anyways, a few weeks go by and we start noticing some weird stuff happening in the house. So before these guys moved in, once in a while, some food would go missing. Not a big deal. Someone ate your hot pocket. Maybe someone like drank one of my Gatorades. Not a big deal at all. But we were having just like tons of food going missing. I'm saying like I would buy one of those, you know, shakes from Costco, you know, the protein shakes that have like the 12 packs or the 16 packs or whatever. I'd come back a few days later and I only drank one of them, but there's only two or three of them left. I mean, what the heck's going on here? Okay, I would buy like two Costco chickens because you know those Costco chickens are pretty good value. And I would eat like half of one of them and then I'd come back and the other ones completely gone. And this wasn't just happening to me. This was happening to like all the dudes in the house. So someone was basically just completely mooching off of everybody else.  We're all a little bit annoyed. But there was one guy in the house, particularly who kind of had a little bit of a temper. He was a bit of a hothead. Cool guy. Don't get me wrong. Like I got along with him. He was a cool guy, but he definitely had a temper. One day he discovered that some of his food went missing. And I think he just like grabbed a salt shaker. There was glass and he just like slammed it against the floor and just glass went everywhere. And he was super pissed off and he was like, okay, we need to have a house meeting. So basically he went, he talked to everybody in the house. And we all agreed like, Hey, this has got to stop. This is not okay.  You know, if you're hungry, ask me, okay, I can probably help you out. I'll probably give you some money, not a big deal. But don't just go stealing all my food, because when I get home at night, I need food to eat. Not cool, man. So after we have that meeting, it gets a little bit better for a while, maybe a week or two. And then it starts happening again. Food's going missing like crazy. And on top of that, now other stuff is starting to go missing too. We were pretty chill about stuff. A lot of the time people would just leave their stuff out in the living room, not a big deal. But stuff that was being left out in the living room is starting to go missing now too. We're talking about video games were going missing, movies. So we had another house meeting, everyone was talking to everyone else. And we all knew that weird Willy was the one that was stealing stuff. I mean, come on, everything was fine. And then weird Willy moves in and all of a sudden stuff starts going missing. Now I learned from some of the other guys that weird Willy was having some money issues. You know, he was going around asking people if they can help him out with rent and he'll pay him back the next month with the landlord. He had to delay some of his rent for the first month. And then he was saying, oh, I'll pay you back here in a couple of weeks. You know, something like that. He was basically having some money issues. So that made us think even more that, okay, weird Willy is definitely the one that's doing it. I mean, it seemed pretty obvious. So things kind of cooled back down a little bit. Again, stuff stopped going missing for a little bit after we talked to everybody. And then the guy who I told you about who's kind of a hothead, he went to visit his family. He was gone from the house for a few days.  So someone actually came through the window. Even though he locked his doors, everything was good. They had the audacity to come through his window in order to steal his stuff. This guy was pissed. Okay, we basically had to hold him back from just like getting in a fight with weird Willy. Like he was going after weird Willy. He was like, dude, I'm going to search your room, blah, blah, blah, blah, all this stuff. He was mad.  He's just like, yo, dude, this is not cool. You cannot be stealing stuff like this. He starts going after weird Willy too. I'm honestly surprised that there wasn't a fight because there was a few times where they were really close to just throwing hands. Like they were right next to each other. I can't believe there wasn't a fight, but somehow they didn't get into a fight. So at this point, the guys are talking to the landlord. They're like, Hey man, you got to get this guy out of here.  He's stealing our stuff. This is not cool. And the landlord kind of wants to get rid of him too, just because he's not paying his rent on time. So I should note at this point that there were three guys in the house who worked at this one company and basically they were telemarketers. So they would just cold call people and they would try to sell them time shares really common huge industry in Las Vegas.  So the three guys that worked at this company were cool guy, Chad, hothead, and then a third guy, which I'm going to go ahead and call nice guy. He was this really nice kid. He was from Indiana, small town in Indiana. One of those people that probably doesn't even lock their doors at night, just very trusting and naive, just a really nice guy. So tensions are already pretty bad. And then all of a sudden, we discover that nice guy had a check that was coming in, right? A check that was coming in from the company. And for some reason, the check never got to the house. He called the company up and he asked them, he's like, Hey, what's going on? And they were like, No, the check did get to the house. It got delivered on this day at this time. And he's like, Well, what the heck? It's not here. What's going on? They get off the phone. A little bit later, they call him back and they're like, Hey man, the check did get to your house. And on top of that, it's been cashed. So at this point, we're all just like, Oh, you've got to be kidding me.  But a check really forging a check. Are you kidding me? They are pissed. They go off on weird Willy yet again. And you know, this guy, honestly, at this point, he basically barely even comes out of his room. He just stays in his room all day long because every time he comes out, there's some kind of conflict, they get in some kind of argument. And he knows they're probably going to throw hands if he comes out of his room. So at this point, I barely even see the guy anymore. Now, hothead and cool guy Chad are especially pissed off at weird Willy because, you know, they work at the company too. And they're like, Yo, this is not cool. That could have been my check. Cool guy Chad is like banging on his door. I mean, like, we need to talk. We need to talk. And he's like, I don't want to come out. Well, they call up the bank and apparently there's like a few days where you have to wait before you can see whose name is on the check. So we could actually officially, you know, turn him into the police and get him out of there. And so there's a few days before we can actually get this guy out of there. And most of the people in the house are just like, Oh my God, this is a nightmare. Now keep in mind, I'm in my last few rotations here. And basically, I'm in a doctoral program and it's kind of an accelerated program. I did the fast track. Okay, so I'm basically going from no degree. I never got a degree in undergrad technically because I just did the pre pharmacy route all the way to getting a doctorate.  So there's kind of a lot on the line here. Okay, it's kind of a high pressure situation. I've got to perform well during these last few rotations past the rotations. And then I'm golden, I'm good to go. So one day I walk back into the house and nice guy is standing there looking at his phone. And he's kind of quiet, like usually he's pretty friendly and stuff. He says hi to me, but he's kind of quiet. And I'm just like, Hey, dude, what's up? And he holds out his phone to me. And he shows me a picture of the check. And on the back of the check, a name is signed. And it's cool guy Chad. That's right. It wasn't weird Willy all along. It was cool guy Chad who stole the check. And it was cool guy Chad who was stealing stuff all over the house, all along. So we are all just shocked. Like, we absolutely did not suspect him at all. He was one of the people who was the most pissed off that stuff was going missing. Like he was going after weird Willy when stuff would go missing. Now cool guy Chad, like I said, he was a former basketball player, really big dude. He could probably beat up most of the people in the house, maybe even like two of them at once. But a couple of guys in the house basically talk to him. They confront him. And it's a pretty awkward situation because just the day before they were like best friends. And they're like, Hey man, why is your name on the back of the check? And it says pay to the order of your name. Now at first he denies it until they actually show him a picture of it with his name on it. And then he just like breaks down. He comes up with this whole crybaby story about he couldn't pay the rent. And he had to pay for his daughter. His daughter had some stuff happening. She had like some medical issues or something like that. And he had to pay for them. Now at this point, I'm not fooled.  But to me, you know, hey, you make a mistake one time. Like let's say you needed some money and you saw like a hundred dollar bill on the table and you just grab it. It's kind of like a heat of the moment type of thing. Okay, I can forgive you for that. We all make mistakes. We all make like impulsive decisions, whatever I can forgive you. But think about how calculated you have to be to first of all, go through somebody else's mail, figure out what are the checks and what are the normal pieces of mail. He probably like held it up to the light and he saw that this was a check. And then he opened it, took out the check, put his name on the back said pay to the order of I didn't even know you could even do that. And then he took it to the bank and he cashed it. And then on top of that, he was playing along. I mean, we're talking like an Oscar award winning performance. He was playing along pretending like this other guy was doing it all along. He almost got into a fight with this other dude. That is straight up calculated. That is cold. That is not like a heat of the moment sort of thing. And so that's what I'm thinking in my head. I'm like, no way. I don't believe a word this dude says, but here's where it gets a little bit weird. You thought the story was over? Oh, no, no, no, no, no, no. It's just beginning. He somehow convinces nice guy to not press charges on him. He says, Hey, man, I'll get you the money next month. Just give me a few weeks. I'll get it to you. I'm going to make this up to you. Please don't press charges on me. I need to take care of my daughter, blah, blah, blah, blah, blah. Nice guy falls for it. Now at first, I thought the only reason he was doing it was just to get his money back. He was going to get his money back and then he was going to be like, yo, dude, you got to leave a few weeks roll by. He actually ends up getting his money back. So cool guy Chad, who I guess is not really a cool guy, but I guess I'll keep calling him Chad. He gets him his money back somehow.  Can I please stay for one more month? And of course, nice guy is the only one who has the authority to get him kicked out because he's the only one that has officially gotten his stuff stolen. Chad is saying that's the only thing he's stolen. The only one he's stolen was the check. The one thing that he got caught for.  Now, of course, I'm totally against it. I'm like, man, I do not want to live with this guy at all.  I really believe him. I feel really bad for him. I'm not going to say anything about it. I'm going to let him stay for an extra month and then he's going to leave. Now, as you can imagine, the opinions were a little bit mixed in the house on this. A lot of people did want him to leave, but at the end of the day, nice guy was the only one who actually had his stuff stolen and, you know, caught the guy for it. And so he was the one who made the decision. Now, at this point, Chad is basically just staying in his room. So I pretty much hardly ever see him. He's staying in his room all the time. And so I'm really busy. I'm working. I'm doing my rotations. I got a lot of stuff going on. And so I kind of just let it slide. I didn't make a big deal out of it.  Then I guess it's okay. I didn't like it, but I had to accept it. I almost never saw the guy, but he knew that I didn't like him. He knew that I was one of the few people in the house that was immune to his BS.  I can sniff out BS in real life too. So whenever I interacted with this guy, it was super awkward. You could tell there was a lot of tension there and he didn't like me and I didn't like him. Now, in my head, I'm thinking, I'm just going to play it cool. You know, I'm not going to talk to him when I see him or if he talks to me, I'm just going to say like one word answers, just going to play it cool, do my own thing. I don't want to get in any kind of fight with this guy or anything like that because if I get in any trouble, I can get kicked out of pharmacy school. Okay. So if I got arrested for getting in a fight or something like that, the school could technically kick me out. They don't even need to wait until I get convicted or anything like that. They can just kick me out for getting arrested. So in the back of my head, I was thinking about that. So I was like, okay, I'm just going to play it cool. I'm going to try to avoid this guy as much as possible. So a little bit of time goes by and I start noticing that whenever this guy comes out of his room, he is just sweating like crazy. Like looks like he's doing some P90X workouts in his room or something. I'm talking like his whole shirt is soaked. He's got like water coming down his face. He's just sweating like crazy. And I'm thinking, okay, maybe this guy is like trying to get his life together, like he's trying to work out or something. He also goes from being kind of quiet, like he wasn't really talking to me to acting like nothing ever happened. So he was being super talkative and wanted to talk to me. In fact, he was even more talkative than before. So I'm just like, what the heck is going on? So the next month comes up, rent due date comes up and he's able to pay the last month's rent. Now we ask him like, hey man, are you going to move out now? And he comes up with another excuse, something like, oh, you know, this one thing came up and that came up and, you know, just one more month, one more month. And then I'll be able to move out and find my own place. Again, I'm not buying it, but the nice guy does. And he's like, hey, man, he hasn't caused any trouble. He hasn't stole anything for an entire month. Nothing really has gone missing. So let's go ahead and just let him stay for one more month.  I can't believe this. I protest about it. I try to get him to leave. Honestly, I'm not even nice about it this time. I was pretty loud about it. I was like, no, dude, we got to get this guy to go. This is getting ridiculous. Like we cannot let this keep happening. Now he overhears this and then later on I come back up into kind of the hallway where all of our bedrooms are, and there's nobody else around except for me. And then he comes out of a door, his bedroom door, and he comes up to me. He's like, Hey, I heard what you said earlier. You got a problem with me. You know, it gets kind of like all up in my face.  So I mean it's justified. Anyways, long story short, I lose the battle. The guy is going to stay another month.  So we get a few weeks into the next month. And I start to notice that there's a ton of people who keep on knocking on the front door and asking for this guy. And I'm just thinking in my head, I'm like, I know he's kind of popular. Like he makes friends really easily. But dang, there's a lot of people that are asking for him. And it seems like he's working out all the time, like he's coming out of his room all the time, just sweating from head to toe, looking like he just did like 12 rounds with a world champion boxer. Okay, he's just like sweating like crazy. And then finally one moment, it dawns on me. I realize it. Okay, I am going to be a pharmacist at this point in just a few months. And I know all about pharmacology. This dude is doing drugs. Like this dude is doing some pretty serious drugs. Now I'm not going to mention it for monetization purposes. But the drug that I think he was doing starts with an M. And it's a pretty serious drug that Walter White might make. Okay. And not only is he doing it, he's selling it as well. He is selling it out of our house. Now at this point, I'm in my very last rotation. Okay. The rotations are six weeks each. And I'm in my very last one. In fact, I think at this point, I'm probably even close to being in my last month of my last rotation in my last year of pharmacy school. Everything's on the line. Okay. If I fail out of this rotation, my last rotation, I have nothing to show for it except a mountain of debt. It dawns on me. I realize that if this guy gets caught selling out of our house with the way the Nevada rules are, I'm probably going to get in trouble for it as well. Now of course, I wouldn't end up getting convicted or anything like that because I wasn't doing anything wrong. But me just getting arrested or anything sketchy happening at all. And I go to a private school. They can kick me out for just about any reason. So at this point, I am freaking out. I'm usually a pretty chill person for the most part. I don't really worry too much about things that I can't control. But this is one of the few times in my life where I was just staying up at night staring at the ceiling. Like I cannot describe how freaked out I was.  He's big. He steals stuff all the time. He wants to fight me and he's doing stuff himself and he's selling it out of our house. Now, Las Vegas is a pretty crazy place in general. I've got a lot of stories from Las Vegas. It is truly like a one of a kind place. I think it attracts a certain type of person, not to say anything bad about the people of Las Vegas. But I just noticed that there are certain types of people that are attracted to that town. People who might be interested in gambling and that sort of thing might also be interested in other weird degenerate activities. That's all I'm going to say. Got a lot of great friends from Las Vegas. A lot of cool people there. But I'm just going to leave it at that. Now, one thing I forgot to mention is we actually ended up doing a background check on this guy. And by the way, the landlord was supposed to and he never did. And we found out this dude is a convicted felon. Not just for drug related stuff, but also for like battery. He got in fights and stuff like that. Like he was a violent criminal. So I've got this dude who is just nuts. He's stealing everybody's stuff.  He sleeps 20 feet away from me. This is just it's ridiculous. And then on top of that, one day I come home and actually at the time I had already started this YouTube channel. So I had posted a few videos. They were kind of just random videos. They weren't even all that related to personal finance. I think some of them were some of them weren't they were pretty much just random videos. I just wanted to post stuff online just to get it posted. And I had bought this camera. It was a Sony camera and it was pretty nice. And that's what I was using to record videos. This was like an $800 camera. The lens was a couple hundred dollars. So overall I think I invested like somewhere between a thousand and fifteen hundred dollars in order to get my YouTube channel started up. And I was really excited about starting YouTube. I really wanted to get into it. So I come home one day and my camera's missing. Okay, my camera's just completely gone. Somebody had come into my room at some point. I don't know if they got in through the window. I don't know if they waited until I went to the bathroom for like two minutes and they were somehow able to sneak into my room and grab my camera. I don't know how they did it but my camera went missing. On top of that about a week after that I had an interview. And this was an interview with a company that I was really interested in potentially working with after I graduate. And I come home and I'm getting ready for the interview. And I realized that my suit is missing. The suit that I had bought to do all of my interviews. It was this really nice navy blue suit. And it was perfect for these interviews. And it was just gone. Poof. So I had to scramble at the last moment, go to the mall, get a suit, get fitted for it. And then at the last moment I got a suit in order to be able to go to these interviews. So I told some of the guys in the house that other stuff had gone missing from my room. And I was just like, yo, this is not cool. So basically he stopped stealing from everyone else but he continued to steal from me since I was one of the people in the house that was like, hey man, you need to stop. You need to get this guy out of here. So he kept stealing from me but he stopped stealing from everyone else. Now when I brought this up, I was like, hey guys, this is not cool. I know it's this guy who's doing it. I mean, who else would do it? They were just like, oh, he's going to leave in a week.  He's going to leave. It's not a big deal. And I'm like, yeah, he said that like what twice before and he hasn't done it yet. So another week goes by and you know, he pays his rent and he has another excuse.  And at this point, I'm like, hey man, I am going to go to the landlord and I'm going to make him evict you. Okay.  We need to get rid of this guy. So me and a couple of the other guys in the house tell the landlord about it and he kind of knew half the story, but he didn't know the other half. And when we put it all together, he was like, okay, yeah, we got to get rid of this guy. So we went, he talked to the guy.  Now apparently, I don't know if this is actually true or not. What the landlord told me is there's some rule in the state of Nevada where you have to give them, you know, a certain amount of time before you can evict them. And he said, okay, we're going to give this guy one more month. So I'm just like, oh my God, okay, I'm stuck with this guy for another month. Now after this point, especially because of the fact that I basically went and kind of like stitched on the guy, he was especially aggressive towards me. Like he would call me names whenever he'd see me in the hallway. He tried to get up in my face a few times. And I was honestly pretty freaked out about this guy. Like it's not even about fighting or anything. You know, somebody like this pretty much has nothing to lose. You know, if he wanted to, he could just go in there, stab me, shoot me. He'd go back to jail. He'd probably live a better life in jail than he does outside of it. So I'm freaked out at this point. I'm at the point where I'm spending quite a bit of time at my girlfriend's house. And then also one of my best friends house, I was basically just living over at those two places. I almost never was at my actual house, you know, sleeping in my room, because I just did not want to be around this guy. And I also didn't want to be in the house in case they got busted. Again, I know pretty naive, whatever. A lot of people tell me that I should have, you know, called the cops like way before that. I just didn't really know how to deal with the situation. So luckily my graduation comes. I go ahead. I graduate. It's a huge sigh of relief. I was freaked out that last month. Like I barely slept the entire month, but you know, huge sigh of relief. I graduate. Everything's great. I go back to the house and he's still there. He's only going to be there for about like another, you know, short amount of time. And at this point, I'm moving out and I'm ready to move somewhere else. So I'm in the process of like packing up all my boxes and everything like that. And he sees that I'm moving out. And he is like super friendly all of a sudden. I think he was probably, you know, on something. And he's just like, Hey, man, you're going to get rid of any of that stuff. I'll take some of that stuff. And I'm like, Yeah, you know, I'm not going to really take this or that.  Like, Hey, man, no hard feelings. I just I don't want to ever talk to you again. Hopefully, you know, we never meet again. That would be great. That's what I'm thinking in my head anyways. And so at some point I close my door just because I don't want to have to talk to him anymore. And then a little bit later, he comes across and all of a sudden it's just like completely different. We're talking like he was one person one minute. And then like 30 minutes later, he's a completely different person. He starts banging on my door. He's like, Come out. I want to fight want to fight. You read it on me. You tattletailed on me. Come out blah, blah, blah. Starts banging on my door. And I'm just like, Oh my God, I did not just go through pharmacy school, which was really hard for me anyways. Okay, it was it was super hard for me. I did not just go through all that hard work, all that grinding those endless hours of studying in order to get killed by some dude right after I graduate. You know, I'm trying to enjoy the fruits of my labors, all that hard work I put in.  He's out of control. You know, how long do we have to wait before we can get this guy out of here? The landlord comes over, he talks to him. He's like, if you do that again, we're going to have to call the cops on you and get rid of you. And I'm just like, Okay, you know, I try to get out there as fast as I can. There's a very brief period where I'm not watching some of the boxes. And when I end up moving into my new house, I realized that what do you know, my PlayStation four is missing. So this guy was able to somehow steal my PlayStation four, I guess. After I move out of the house, he starts texting me. He's like, Hey, I'm going to find you, blah, blah, blah, blah. He sends like some text to me. In fact, I'm like, I'm looking at the text right now. I still have them on my phone. Basically, he accuses me of being in his room and like stealing his stuff.  So yeah, I escaped the situation, didn't get killed. However, because of the fact that he stole my camera, which I was using for my YouTube channel, you know, I was a poor college kid. That was like the only thing I saved up for a long time to buy that camera. Because of the fact that he stole my camera, it delayed me starting this YouTube channel by years. Okay. It was years before I bought another camera where I could start making videos again. So he basically almost caused this YouTube channel to never exist. All right. So yeah, crazy story, um, moral of the story. Most of the time, uh, it was really cool.  So seven total people in the house. We got along really good. And then one bad apple came in and he just ruined everything. I feel really bad for weird, really, because he basically got bullied the whole time. He actually turned out to be an all right guy. But yeah, I don't recommend, even if you're in college, you're trying to save money. I don't recommend living with any more than two other people. Okay. You and two others. So three people total. And the reason for that is because if stuff starts going missing, if crazy stuff happens, it'll be pretty obvious who did it. Whereas if you're living with six other guys, you don't know.  There's no way that you can figure out who did it. There's no accountability. So yeah, you know, saving money by getting roommates, it's a great idea, especially if you're young, but there's some possible downsides to it. And you have to realize that that is a possibility. It can happen sometimes.  But yeah, that's one of my fun Las Vegas stories. There's a lot of great stories from living in Las Vegas. And uh, yeah, just wanted to share that story with you guys. If you haven't done it already, go ahead, smash the living daylights out of the like button for the YouTube algorithm. Hit the subscribe button, ring the notification bell, comment down below any thoughts, comments, criticisms, et cetera that you have on the video. I think this one is going to run a little bit long. Sorry about that. But yeah, I was just trying to tell this full story. I wasn't trying to do the short version. And uh, yeah, before you leave, go ahead and check out my other videos right here. I made them just for you.


Hi, this is your host Sapin Bhartia and we are back with our 2023 predictions and today we have with us once again Satya Sangran, GM of Cloudcasa by Katalogic. Satya, it's great to have you back on the show. Thanks for having me back. Before I ask you to go grab your crystal ball, I would remind our viewers quickly a bit about the company. So tell us about Cloudcasa. Cloudcasa is a Kubernetes dedicated backup as a service. We've always been a product company. We're challenging ourselves to deliver this as a service which again takes more out of the plate of a customer who's already dealing with a lot of complexities in Kubernetes. We're trying to make the backups and disaster recovery and cloud migrations and cloud portability easy for those customers.  And we essentially deliver that as a service for Kubernetes users. You can protect your workloads. You can recover your workloads in respect to whether it's a calamity or whether you're a cyber casualty. We allow you to bring that data set back pretty quickly with us. Let's look at your crystal ball and tell us what predictions you have for 2022. And let's see what predictions you have for 2023. Awesome. My first predictions for 2023 is that there is not going to be a slowdown in digital transformation. Markets notwithstanding. I think we're all wondering whether there is going to be a recession or not. Are we going to enter that territory? Some people think that we're already in that territory and some people we think we are going in and out of the territory. But irrespective of what the markets do, I think when it comes to digital transformation in 2023, I think it's full steam ahead. Because whether you're growing or whether there is a recession and there is a lot of cost pressures, I think Kubernetes and Cloud Native is all about one converting a cost to an OPEX model. And Kubernetes is all about platforming so that you get the most of that model. I think both those models are going to be very resilient. They will continue and they'll be full steam ahead. In fact, just like COVID and pandemic did by accelerating a lot of digital transformation projects, I think you're going to see that you don't let any good crisis go to waste. If 2023 becomes a crisis year for markets, I think technology will evolve to completely utilize that crisis and advance itself going forward. So I think my first prediction is that there's not going to be any slowdown in digital transformation irrespective of what happens to the markets this year. My second prediction for 2023 is that I think backups are going to be the new borders for organization. Look, we're in the middle of a war or some may call it military operation. And there is a lot of uncertainty. But one thing is clear. We are in the middle of a cyber war from an IT industry perspective. Anybody that's got a data of importance, you are under attack irrespective of your nationality, irrespective of your industry. If you have something of importance, cyber crimes are on the rise and you are a target at this point.  And I think the ransomware and malware folks are picking up on that and essentially treating that as the borders. This is the last line of defense that they needed to breach because the minute they breach backups, they leave you extra vulnerable. So you have no other option to go back to if again, your backups are breached. So treat your backups like they are your borders and protect them. Don't treat them as secondary data. Treat them as as your last line of defense that will keep you sleeping at night and protected out all times. So that I think is my second prediction for 2023. People are going to come after your backups are protected. My third prediction is mission learning is not learning for missions. What I mean by that is that there is going to be so much AI ML advancement over the next year. It's going to become ubiquitous. We're already seeing people utilizing GitHub co-pilots to write code. And now the latest sensation, people are asking a chat bot, a chat GPT online to ask it to solve important challenges. One thing is for sure. Yes, it will allow you to get your job done quickly. Use it as an aid, but do not treat it as a substitute for knowing your basics because AI can be very, very effective, but it can also be confidently wrong. So when you start utilizing code generated by machine learning, can you start utilizing solutions suggested by AI and put it in production? It will require a level of resiliency in your IT operations because guess what? If you do not understand what you're putting in production, things are going to break and it is going to take a longer period of time for you to resolve those. So down times are going to be longer. It's going to take you longer to get back to operations because you do not understand what you just applied. So just know that machine learning is we don't learn from that. The good thing is it produces code, but unless you understand whether it's good or bad, we're not yet in a state where you can take that and apply that in production and you can be very confidently wrong several times. So I would say AI and ML are here to stay. It is going to be ubiquitous, but understand how you're leveraging that AI and make sure you have a resilient architecture and infrastructure whenever you are utilizing that AI because you have to be able to trace back and solve problems when something goes wrong. My fourth prediction and this is for the cloud native world and the Kubernetes community we operate in, Kubernetes will get more complex before it gets easier. And what I mean by that, just this last QCAN, Swapnel was there, I was there. We saw 290 sponsors at open source community event. That's a lot of vendors trying to fill gaps in this ecosystem. It is a telling sign that there are plenty of gaps in this ecosystem. We're moving very, very fast and there are gaps that this ecosystem players, a lot of vendors coming in and addressing those gaps. But now you are spoiled for choice.  And so curation of these options is in itself is going to be, I think a market in this ecosystem. But just know that yes, it will eventually get simple, but this influx of commercial solutions targeting these problems in the open source community is going to make things a bit more complex for you, even if it's in terms of purely selection of those right solutions and putting them in place. So I think Kubernetes is going to get a little more complex over the next year before it will eventually become very, very simple and more accessible to more of the tech community. My fifth prediction is going to be around a very specific technology. It's called Qboard and many of you may not have heard it. Qboard is a project, it's an open source project that essentially allows you to run virtualization workloads inside Kubernetes. So effectively, a lot of people today run Kubernetes on VMs, but think of the vice versa scenario. You can actually run VMs inside Kubernetes. So this is not completely new, but it's definitely up and coming. But with the acquisition of VMware by Broadcom and a lot of the uncertainty surrounding it, and there is now new rumors on what's going to happen to Nutanix. So you have two big players, the number one and number two in this market, both seeing some disruption. And I think this can be a huge boom for this open source ecosystem and open source project, which allows you to create a lot of hyperconverged offerings where VMware or virtualized missions as well as containers can be operated and orchestrated through a single platform. And I think the number one and the number two player in the market are both ripe for disruption through an open source ecosystem. So we're watching that very closely again as a backup provider. We're looking at how we could protect those workloads if people do make that shift. But I think in 2023, it will be the year of CubeWhat's evolution as a mainstream orchestration and virtualization platform. Excellent. Thanks for sharing these predictions. Now, if I ask you what is going to be the focus for CloudCasa in 2023? For 2023, for CloudCasa, it is going to be going all in on the cloud native ecosystem and the Kubernetes ecosystem. As we talked about in our predictions, we expect cloud native or digital transformation to be a key effort for all organizations, whether you're trying to get lean, whether you're trying to grow fast, whether you're trying to cut costs, answers to a lot of these questions is going to be digital transformation. And the digital transformation means you're embracing cloud native technologies and you're re-platforming to make the most of the cloud native technologies. So that acceleration, again, irrespective of what the factors are going to be, is going to be key for CloudCasa to embrace. And that's why, again, we are a backup as a service that is built on the cloud for the cloud with Kubernetes for Kubernetes. We want to embrace that and we want to go full steam ahead with CloudCasa. The second thing is obviously we talked about resilience. It could be for cyber crimes today. It could be for ML generated or AI generated code in future. But one thing is for short, things will break. And whether it was disks and hardware in the past and cyber crime in now or mission learning in future, one thing is for short, something will break. And when something that is breaking, you need to have a resilient architecture to recover from and continue operations. And we're going to make that possible with CloudCasa. And we're going to keep up with the speed at which the ecosystem is evolving. Lots of great things coming up in the world of Kubernetes. There is edge computing coming up quite a bit. There is QBot, which we talked about, a way to run both virtualized missions as well as containers in a single platform. I think at the end of the day, as an insurance provider, my job is to follow the data. I think data is going to go here. And we're going to have solutions ready for our customers to use when they start adopting these modern cutting edge leading solutions. If I ask you, what are the challenges that you see will be there in 2020? I mean, you already talked about a lot of opportunities. We talked about a lot of, you know, bed of roses stuff, but I do feel that you talk about Kubernetes will become more complex before it becomes easy. And you also talk about, you know, despite the whole fear of recession, that there will be growth in the tech industry. So talk a bit about the challenges that you also see maybe there in 2023 for companies like CloudCasa to solve. One of the challenges, and this is an open-source community, right? I think back in the day, people bought from companies like IBM. I think there used to be a saying that if you embraced, you know, if you bought a solution from IBM, you never lose your job, right? And so there was certainly brand value that carried a lot into people's choices, right? I think we're seeing almost the opposite end of the spectrum where companies are now saying, hey, I want complete open-source technology. I want to know what I'm using and how it was created, how is it maintained, and how do I even contribute to solving a problem if I run into a problem, right? So I think the open-source community completely comes with a completely different view into these things. But remember that it is a community solution and you always solve for the majority in the community. And so I think one of the challenges is for any adopter of these things, if you don't fit a mold, you could be left behind. And this is when commercial solutions can certainly pick up that slack. So I think for us, the challenge is, as a commercial vendor, right now the thought process is my default option is open-source. How do we embrace that open-source technology and contribute to it and actually solve problems for the customer? And how do we solve problems around the edge cases that the community doesn't solve for a lot of the minority folks that are in there? How do we solve their problems? I think those are both challenges for us in 2023. We're looking to embrace. How do we better embrace an open-source solution like Valero? And how do we solve real customer challenges while embracing that ecosystem going forward? Satya, once again, thank you so much for taking time out today and share these predictions with me. And of course, I'll have you back again for 2024. But I can also have a scorecard to see how many of your predictions turn out to be true. I didn't say that in the beginning, so there is no pressure on you. But thanks for your time and I look forward to talking to you again soon. Thank you. I look forward to seeing that, Satya. I'm happy 2023 to you as well as your large audience. I think 2023 is going to be great for all of us and look forward to reviewing that at the end of the year with you again.


Hey everyone, Dylan Schumacher, Citadel Defense, and today I wanted to post a video and post a link below here to my white paper write-up of Citadel Defense's recommended gear. My goal in this project is to have a list of gear that will be particularly helpful for people who are new. Fortunately, we're taking a lot of people into the gun world these days, which is a wonderful, glorious thing, welcome aboard. And as we all know, as we start to get into something, it can be hard to figure out what's good and what's bad and where I should go and what do I need and where do I go, what do I do here? There's no map. And my hope is that this small contribution would be a little bit of a map to help give people some recommended starting points on certain gear items or pistols or rifles or what should you put on your rifle or what should you put on your pistol? What pistols should you buy? Stuff like that. For those of you who've been around a while, this could be helpful for you just to get some different ideas. However, you may or may not find it helpful. Again, I wrote it primarily for people who are new or who are interested in different aspects of things. I do not know everything. I try to be very clear about that. I am on my own journey as I grow as a shooter and as a teacher. And so I put that in the document. For example, I've never looked down the glass of I don't own any, I've never shot any low powered variable optics on rifles. And so as this as I grow and as I learn more, I will update this document. It's going to be a living document and I will put more information in there as I learn more. So it will be in part a repository of my learning and my knowledge. And again, the goal is is that we can all grow better as shooters to head in the right direction and hopefully waste less time and less money. So if you know someone in your life who is new to the whole world and new to shooting and wanting to buy stuff and wanting to get into this, I hope that this list can serve as a place where they can go and get a good starting point with some decent information to start out on their journey. And again, waste less time and waste less money. So with that, I present to you the Citadel Defense Recommended Gear List, it will be a living document. I will post the link in the description below. Until then, do brave deeds and endure.


We released it with a Creative Common license and made it possible for people to share and to remix, to show the movie. My name is Hannah Held and I'm a writer and director. National People was financed by, I took a private bank loan of 10,000 euros to start the shooting. And all the people who worked with the project invested their payment into the project. And this way we managed to shoot two thirds of the movie and later on we found some funding. National People was distributed by file sharing on the Pirate Bay. We released it with a Creative Common license and made it possible for people to share and to remix, to show the movie. And this made it possible for people, after some days we had over 30,000 downloads. And we also put up a PayPal account on the website where people could put in money to help us with the bank loan. And so far we paid or more than half of the bank loan is now paid by those donations. This distribution on the internet resulted in that many people first they translated the subtitles into now 15 different languages and sent it to me so I put it up for sharing. And then they also organized different live screenings around the world, both festivals but also small independent cinemas. And the biggest distribution we have had so far is in Ukraine, in Kiev, where some guy downloaded the movie and showed it to the cinema and they got interested and contacted the distributor. So now it has been, it has had cinema distribution in Kiev and will be shown on Ukrainian television. And many different places around the world the same thing happened where people organized screenings because they wanted to, you know, many people wanted to support this kind of new way of distribution. Well, I think you can, first you can see it in very, very small things. Like one example is when they should put into the Swedish Film Institute, they should put a date of the premiere for the movie. And normally you put the date of the cinema premiere as a date. But I wanted the premiere on the pirate bay the 10th of October. So I wanted a premiere date and they were just, okay, this doesn't work with the system but maybe we have to make a new page or something like that to change so we can put this date as a premiere date. And I don't know if they really did it but just to raise the question about changing the computer system. And I feel that many people in the system is very interested. They ask a lot of questions and many people are very supportive. So yeah, I think it will, at least it will change things.


Hello everyone. I welcome you to this session. In this session, we will discuss the third part of Unit 1, Introduction to Accounting or Financial Accounting of BICOM for Semester. The focus point of our discussion in this session will be on certain terms that are used in accounting. These terms are very frequently used and therefore, it is very important to know the meaning of these terms. So first of all, let us have a discussion on the term capital. Capital generally means the amount that we invest in the business. If you are starting your business, if you invest an amount of rupees, for example, 50,000, then the capital of your business will be rupees 50,000. But the term capital not only indicates the money only that we have invested, it may be some other assets also. For example, if you bring a table and a chair from your house to be used in business, that will also be considered as a capital for the business. So the money that you have invested in your business plus any other assets that you have invested in business. All these together will be termed as capital for the business. So capital will be in the business till the business is closed down. So it will continue till the end of the business. In other words, we can define capital as total assets minus total outside liabilities. The assets including the money that you have invested, any other loan or any credit that you have taken from outside parties, from bank and other non-bank financial institutions, anything that we have taken as loan. After detecting all your liabilities, the residual amount is known as capital. Then another important term used in accounting is asset. Asset means the properties of the business. Assets, these are the resources, these are owned by the business. Resources are used in the business for supporting operations. It may be for production, providing service, etc. So assets, we can classify it as fixed assets and current assets. Fixed assets are used in the business for a very longer period of time. They are purchased with the objective of supporting the operation of the business. A machine that is used in production will be considered as a fixed asset for the business. So that asset will not be sold out for a longer period of time. It will be used in the business. At the end of the business or when the machine is not able to give the required output, then it will be sold out. But it will be for a very longer period of time. May be for 15 years, may be for 20 years. So this is fixed. It will be used permanently in the business. So the examples are land, building, machinery, office furniture, etc. All these will be used for a very longer period of time. So next, current assets. Current assets are those which are converted into cash within an accounting period. So this will easily be converted into cash. It will take the form from one kind asset to another kind asset. Cash is also a kind asset. So it will change the form and therefore it is known as kind assets. For example, a debtor will discuss this particular term debtor. It can be easily converted into cash or you can take another example, raw material. So raw material, when it is processed, it becomes finished product and the finished product will be sold in the market against cash. So that raw material is converted into cash. So this kind asset that is the raw material is converted into cash within one accounting period. So this will be termed as current assets. So accounting period generally consists of 12 months. That is the period for which we record the transactions in our books of accounts. For tax purposes in businesses, generally the financial year is considered as accounting period. So that starts from 1st April and ends on 31st March on the next year. So this is the period within which all accounting records will be prepared, tax will be paid and that is known as accounting period. However, for managerial purpose, that accounting period may be subdivided. Suppose we can prepare our accounts for a period of 3 months, for a period of 6 months for managerial purpose. But for tax purposes or for any other legal purposes, it is the accounting period consisting of 12 months. Then liabilities, just opposite to assets. Assets are resources whereas liabilities are debts. Obligations of the business means the business, your business have to pay it, have to return it. If you have taken loan from bank for your business, then you have to return it. That is the liability of the business. That is the obligation that you have to repay, your business have to repay. Again we can classify the liabilities as fixed liabilities and current liabilities. Fixed liabilities which are not required to be paid within one accounting period, that is a long term bank loan. So these are not required to pay within one year. So the loan may be for 5 years, for 7 years etc. for a comparatively longer period of time. Then current liabilities, these are required to be paid within one accounting period. So within the 12 months, the business have to prepare the liabilities. For example, if goods are purchased by your business on credit, you have to pay within 2 months. So that is the current liability that you have to pay within a very short period of time, that is within the accounting period. So these are termed as current liabilities. Then another term that we have already mentioned is debtor. Means the person or entity who will pay money to the business in future on account of a debt. Let us take an example. Suppose goods sold to Mr. X for Rs. 5000 on credit. Means our business has sold goods to a person named as Mr. X and the amount of that sale is Rs. 5000 and this is a credit transaction. Means we are not getting the cash immediately, we will get the cash at a later period in future period. Suppose after 3 months. So now Mr. X is the debtor of our business because that person means the X will pay money to the business, pay money to our business at a future period of time within the accounting period. So debtor is a current assets. When Mr. X will pay that amount Rs. 5000 in our example, it will be converted into cash within the accounting period that we have already discussed. So debtor is a current asset. Cash is also a kind of asset. Debtor is converted into cash. So one kind of asset is converted to another kind of asset in the accounting period that is known as current asset. And debtor the person who is liable to pay to our business. So let us discuss another term, creditor. Creditor means the person or the entity to whom your business is liable to pay money at a future date. Let us take an example. Purchase goods from Mr. X for Rs. 5000 on credit. Means your business has purchased goods from Mr. X. The amount is Rs. 5000. The transaction is a credit transaction. Means you have not paid the cash at a time of purchase but you will pay to Mr. X at a future time. So at a future time means you have to pay it within the accounting period. Suppose within three months we have to pay. So when you purchase goods you get the goods but you have a liability to pay this amount Rs. 5000 to Mr. X. So Mr. X is your creditor. Means Mr. X is the creditor of your business. So your business have to pay Rs. 5000 to Mr. X at a particular date. So again creditor is the current liability means we have to pay it within the accounting period. Another term is prepaid expenses. These expenses are related to future. Means we paid the money, we paid the cash right now but the services or the benefits from that expense will be received in the future. So right now we have paid it and the services against that payment will be received in the future period. For example prepaid insurance. We paid some money in the form of premium and these services will be received in the future. So this is prepaid. Outstanding expenses. Outstanding expenses means expenses incurred in a particular accounting period but not paid in that accounting period. Means the expenses related to a particular accounting period. The expenses incurred but we have not paid the cash to meet the expense. So cash will be paid in some other accounting period in the next accounting period. For example the salary for the month of March will be paid in the month of April. So in the month of March there is the end of one accounting period. In that case the expense of salary that is incurred in the month of March will be treated as outstanding expenses. So that expense will be paid in the next month but for accounting this will be the next accounting period. So similarly we can pay outstanding rent, outstanding salary etc. So in this way we can take another example of outstanding rent. So these are the terms generally used in accounting and we will use these terms in recording our business transactions in various books of accounts. Thank you. Thank you very much.


Fourth dance lesson is an equation. So we love math. Who doesn't love math? You know laughs? There's a book called really hard math for Whatever elementary school students. I'm gonna buy that and torture my grandchildren with it one day Anyway, this is a very simple math equation and its trust is equal to competence times intimacy So if you want the big assignments at work You you need the trust of your boss Well for sure you have to be competent and and we all know that We'll work hard for that to get your education for that and then you know You want those difficult assignments so you can prove yourself, but then there's also intimacy, which is the comfort factor that Other people have when working with you this can be especially challenging for a woman Especially if you're working with men who don't really know how to take you You know, maybe they don't they're uncomfortable working working with women. I remember when I was young Younger before, you know, I'd established my name at the company and I would work in a group usually I was the only woman and Sometimes I would get treated like the daughter Which is a little bit on the patronizing side and then sometimes I would be treated as like the potential date Which is also not the kind of place you want to be So in in men today are afraid of sexual harassment claims So a lot of times they're just not quite so sure and you know when somebody's uncomfortable with you When you're having an interaction and they're just their body language just screams it like oh boy I can't wait to you know get away and they keep their distance So part of human nature is then when somebody is that way Then it makes makes you kind of tense and uncomfortable and fidget so what I try to do in that situation is just Make my body language visibly relax You know and smile and try to be easy to be around Not in a giggly way or a goofy way or a talk too much talk incessantly kind of way But just a little bit more relaxed that helps the other person to relax and Networking is part of developing the symptom as well Here's a trick. I'm not terribly social person. I have decent social skills, but it's not my go-to place Here's a trick when you're going up to somebody and Let's say you're in the workplace and you're at their desk Just look at what's on their desk. Is it a piece of artwork from a child? Is it a picture of their wife? Or is it you know the pets? You make it first make a little tiny personal connection like that And then you can kind of start into the work kind of conversation