Good day fellow investors. A question that I often get is how much cash should one have now? Well first cash is the best head you can have because it gives you optionality. It gives you the option to buy, to invest when you want to invest, when you find something that's appropriate to your financial goals and then also to do nothing when there are no such opportunities. So it's very important to have some cash and on the sides and the answer how much cash depends you and your long-term financial goals, your required rates of return to get to your goals. When you put it in the long-term perspective, everything, all decision-making related to investing is much, much easier. Let me give you three examples, some food for thought and then you will have a clearer picture of how much cash should you own. Here we have the SAP 500 Red and the yield on the one-year treasury. You can see how the yield was pretty insignificant up till 2017 when it spiked to the current 1.91%. The yield of 1.91% is already something and as the yield will be going higher from there, stocks will be going lower. Until now the yield wasn't significant, now it becomes significant when compared to stocks. People prefer to invest in one-year treasuries with a 2% yield than in stocks that offer also a 2% dividend yield. So stocks as much more risky will have to deliver a higher return from a higher dividend yield, which means lower stock prices. So we are at a verge of turning point in the markets. With higher yields, those have an effect on asset values the same as gravity. Higher yields, lower asset values. That's it. Short-term movements as we have seen in the chart can be different but in the long-term yields interest rates, asset values up and down. That's it. So when you are investing, you have to see what's your long-term horizon, what is your investing goal? Start from there. In 20 years I want to have half a million. Okay, then you know how much you have to invest now, what is the required investment return on what you are investing and then you can calculate if you will get there. For example, if I have now an amount of 50 000, I add 500 per month with 7.5% interest rate after 20 years, I should be at half a million. However, the dividend on the SAP 500 is 2% and the earnings yield is 4%. So that's much lower than the 7.5% I have used. So one, you have to or find investments that will give you the 7.5% at a low risk or no risk in the long term, which is a little bit more difficult to find in this market or you simply save up cash until there is a day where stocks in general low-risk investments will lead to a 7.5% long-term return. So it's all about your required long-term returns. Just an example, the MSC Emerging Market ETF has a PE ratio of 15.9. However, I just use this as an example that there are better yields out there, but I remain an ETF skeptic and they also exclude loss-making companies from this PE ratio calculation. So just as an example that there are possibilities. Now, if there is possibilities, okay, then you can invest everything you have if you reach that target. However, if you say, okay, I invest only in American stocks, only in the SAP 500, then you can say, okay, the yield is 4%, I need 5%, I need 7%, I need 10%, I don't know. And then you say, as the yield is only 4%, I will invest only 25% of my portfolio in stocks. The rest will be cash or treasuries, which will bring to 2% one-year treasuries. And then also from the monthly contributions, you say, I will invest 25% and 75% I will keep in cash or treasuries with a small yield. And then I say, I wait until I get 7% or 10%, which is what I need to get to my goal somewhere in the long-term. For example, keeping 75% in cash at these valuations from the previous example would still lead to something. After 20 years at the 4% return, the 25% of the portfolio we have in stocks would still lead to $72,869. Now you are saving cash. As I said, the interest rate on one-year yields is close to 2%. And if we continue to reinvest that cash at 2%, after five years, we will have $65,000 in cash. And let's assume that after five years, stock prices drop to a yield of 10%, and then you start investing or you find investments that will give you such a yield and allow you to reinvest, then you invest all your cash 100% when you get to the required yield. And then even if you invest only for 15 years, you will get to the required half million. This saving method would lead you to a portfolio of 470 plus the 72 from what we have invested now, which is more than half a million, and you reach your goals. If you continue to invest in the SAP 500 and the long-term return is 4% annually, which is a very, very positive long-term return at these valuations, you get to 291,000, which is below your rate. So just some food for thought these examples, you can go to Bankrate, you can play with returns, investments, when you have to add more or so, and see how that fits your required returns and your needs, your financial goals. However, keep in mind one thing, cash is an option and is the best hedge. Whatever happens in the market, if you have cash, you have optionality. You have optionality to buy the bargains when they come. And as always in the market, they will always come. First, we have now higher interest rates that will lead to lower asset prices. Higher interest rates will also inevitably lead towards a recession somewhere in the future, which will lower earnings and which will lower again asset prices. So expect somewhere in the future SAP 500 crash of 50, 60, 70%. When that happens, you will have the cash necessary to take advantage of the opportunities. And that's the key to long-term investing. Low risk keeping your risk low, keeping the cash, as much as it is necessary for your long-term goals. So if you have a long-term investment horizon and a long-term investing attitude, you will have a lot of cash now because even if emerging markets are cheaper, when the SAP 500 drops, emerging markets will drop even more, as we have seen in the last two weeks. So opportunities there will be extreme. So keeping cash, taking the SAP 500 as a value benchmark will allow you to take advantages of what will have happened in the future. Further, if really stocks in a few years get to 10-12% returns over the long term, expected returns over the long term, then you have to also be in a position to put the cash in or find other sources to increase your investments. Perhaps you say, okay, then I'm going to save and then I'm going to put 1000, not 500 into stocks when stocks are cheap. Now that stocks are expensive, I will put just 250. So it's all about balancing what you invest per month and your portfolio in relation to your goals and risk rewards. The stock market is extremely risky now because of the high valuation. So it was risky two weeks ago, it was risky two months ago, it was risky two years ago. So don't think that it is risky just because of the turmoil now. Further, Warren Buffett has 100 billion in cash. That's more than 30% of the equity of Berkshire Hathaway. So a lot, a lot of cash, which means that he's really waiting for better opportunities. He has done the same in 2008, late 2008. He bought Burlington, Northern Santa Fe, took advantage now, nine years later, he already got back more dividends than what he paid for the company. So that was a great investment. Further he invested in convertible stocks of Bank of America, Goldman Sachs, whatever, when everything was cheap. He knows that it will happen again and he's simply waiting on 100 billion in cash, which is a huge amount and a huge chunk of his portfolio. Seth Claremont also some numbers say 30-40% of the portfolio in cash. If they have so much cash, you might also think about your cash to asset allocation.  However, if you are about to retire and you need that money in the next few years, I would be 100% in cash or in treasuries with 2% and that's it. Don't risk your retirement on stocks, maybe going up 10-20% more in the next year or two. I will finish with a discussion about hedges, put options. Those might look interesting now that the stock market is going down. But if you take such a strategy, it has to be part of a long term strategy. So think that those who had puts now have been having them for the last 5-6-7 years because it was plausible that the stock market crashes in the whole period coming up to here. So that is extremely costly and that's something you really should know what you're doing. Betting on put options, call options, whatever, just here and there will make you some money here, lose you some money there, but over the long term the return will be negative if it's not part of a long term well sophisticated strategy, which most of retail investors 99% don't have the capacity to do, follow, know what's going on and calculate proper option pricing. So think of the best hedge to be cash. As I said in the last video, gold and defensive stocks are really not a hedge towards a stock market crash and higher interest rates. Those are more a hedge to financial turmoil that is something that might happen or might not happen, so it's always good to have portfolio diversification and rebalance accordingly. Thank you for watching. I hope I have helped a little bit with your cash allocation. I know it's hard to hold cash when you see stocks go up 57% how was the case of Tencent that we discussed yesterday, but it's all about risk reward when you invest and remember main focus is it's all about risk reward in relation to your financial goals. The start of every investment should be your financial well-being, well-creation and financial goal and the risk reward in relation to that. Anything can happen in the stock market, so really be careful with what you want and what you are doing. Don't take too much divergence there. Thank you. See you in the next video.


Yes, my name is Lucy Sandy and I work with the president's office, regional administration and local government in Tanzania. I'm the assistant director responsible for coordination of economic and productive sectors in the country and I'm also the senior climate change advisor for the DCF project. The mechanism of decentralized climate finance works in three ways. The first way is the CAF approach. This is the climate adaptation fund approach whereby communities are empowered to participate in decision making, in planning, budgeting, implementation and even on oversight. That is the first pillar. The second pillar is the local mechanism which is adopted from UNCDF local program and this emphasizes on the importance of local government authorities having systems that will ensure that money is drawn from different sources and then is being utilized according to the regulations and the systems which are currently working in Tanzania. So it is through the local government development grant where money can be disbursed to local government authorities, implemented and then tracked for performance-based results. So what I can say about this mechanism is that it enables the community to take care of their needs and also the government to meet the expectation of ensuring that they've got communities which are resilient to climate change and this is what I usually refer to as a sandwich. This is where you have the government expectation meeting with the community needs. I can say that this is not easy most of the time because governments have expectations but maybe they are not the same way as the community needs but this particular mechanism because it allows the bottom-up approach, community decide what is important for them as far as climate change resilience is concerned and the government is supporting what the community have decided. So now you'll have really development, really resilience because there's involvement of the community and support of the government. What I can say that this is a new, relatively new phenomena for most people, the community, the local government authorities, so adoption acceptance is a little bit slower but there are changes which we can see on the ground. There are people who have adopted it, have understood it and there are people who are practicing but there are others and particularly on the side of community. They think maybe this is just another project, maybe it's not going to work but what they are seeing now they are being empowered. It is not easy to have communities participating in decision making. Have we're saying what they want to be implemented and how this project is going to benefit them. So the challenge is that it's a new phenomena and many people are learning it now even ourselves. We are learning and the lessons we have from these pilots will inform the next steps which we are going to take. But another challenge which I foresee is that we have people in the community, once they are empowered they become outstanding in the community. So whenever there is another let's say a political election they can be seen as very good or very qualified to stand for those positions. So they leave the community, the adaptation committees and they aspire for political offices. So that has brought us back so we need to recruit new office bearers but also we have changes in the government like people are transferred, people retire, people die. So that also we need to all the time refresh and train a fresh other people. So I think that is one of the challenges again. And another challenge maybe there is too much expectation from the community because we do resilience or vulnerability assessment and they know that they are vulnerable and they need many many many interventions but we don't have resources to cater for all those. So it is kind of they think they will need more and we need more funds I think to be able to to to to cater for their needs. But also we need to build the self-help initiative within themselves. There are many things communities can do without the government. So we want to build that within the same mechanism so that people will show what they can do and then the government will support what the people are doing. And this is what we are doing with the new O&O to improve the mechanism that we work with people's initiative rather than a wish list of what they want to be done. Now we are piloting it in three districts but next year we are going to start communication with further 12 districts. So we'll have a pilot of about 15 districts. The three districts who are working with come from the same agroecological area. The Maasai it is dry land they have similar livelihood enterprises but the 12 districts are diverse. We have communities from the coast, we have communities from the central part of Tanzania, the highlands etc. So we want to take the lessons we have learned from here and upscale to the 12 districts so that we can learn the different diversities of different traditions, cultures, climate and when we come to upscale to the whole country then we'll have lessons which will inform the next step which we are going to take.


I'm Dr. Lauren Tennyson, I am a urogynecologist, female urologist here at Hackensack Meridian Health. Someone would need to seek treatment from a urogynecologist if they are having symptoms of a pelvic organ prolapse which can be a bulge in the vagina, urinary symptoms such as urinary frequency, urgency or if they're leaking urine and they're fed up with those symptoms. They will seek treatment, oftentimes they'll talk to their gynecologist or their primary care physician first and then in turn be referred to me. My personal care philosophy is tailored to each patient. Every patient has different goals in mind and in my field there's a lot of different treatment options for the various conditions that I treat. With the patient we sit down and formalize a treatment plan that's consistent with their goals. I am a urologist by training and urology is a largely male dominated field. Going through that training as not only a woman urologist but being exposed to female urology issues I recognize that there was a huge demand for women to treat women. What I do is very intimate and personal and a lot of women have lived with their conditions for 5, 10, 15 years before seeking treatment because they're embarrassed or think that they have to live like this and so for me it's of utmost importance that they feel maximally comfortable.


In January 2020, St. Lucia's Citizenship by Investment program, the CIP, entered into its fifth year, having first opened for business on 1st January 2016. During this time, the program has been credited by international agencies and watch groups for its value and offerings in the marketplace. And on March 30th, 2021, the annual Human Rights Report by the US Department of State gave a passing grade to St. Lucia. The US government report did not include the island's CIP program, among that of OECS countries that were cited for lack of transparency. Chairman of the CIP board, Ryan DeVoe, says the board and the CIP unit have been resolute in ensuring strong governance, accountability, a focus on very high levels of compliance and due diligence. As a result, St. Lucia continues to demonstrate leadership within the region. And when we have these interactions on security, and I get involved in some of those meetings, Nesta Alfred as well, with the intelligence community, and we do those fairly regularly. And it's an integral part to the integrity of our entire program. And so I think the fact that finally it has been recognized, and so we, because I would say historically, the region was painted with a broad brush. And so the fact that that distinction is being made, I think is recognition of the work and the effort we're putting in to ensure that these programs or the program in St. Lucia is well-run, is transparent, is run with integrity, etc. The CIP chairman says government's decision to introduce the legislation for the establishment of the National Economic Fund fundamentally changed the levels of accountability and transparency. The National Economic Fund is being governed by a board of directors that oversees the receipts, investment and expenditure of the monies raised from CIP. Government has to apply to the board for use of those funds. And that was always in the initial legislation, had not been put in place, it's finally now in place, and that is the mechanism where funds are placed to then be used within our economy. And obviously that's been one of the big, you know, where the CIP fund has gone.  I've learned, you know, through this process that nothing happens as quickly, perhaps as it could in the private sector. But you know, at the end of the day, we have been steadily working on these things and they're all there to ensure again that, you know, the transparency, the integrity of the program is where we want it to be. St. Lucia's Prime Minister, Hon. Alan Chastney, who has responsibility for the CIP, has been lobbying for the creation of an OICS CIP program to better solidify the gains in the sub-region. Mr. Devo says there is great merit and value in that proposal. I think, you know, St. Lucia is a huge proponent of that. And again, when we drive, you know, the integrity and the transparency that we believe we've demonstrated, we've, you know, done here in St. Lucia, we think that's important for the region. We think it's important for sustainability. When you talk about, you know, due diligence and having a common standard, we fully support it. Our own Nesta Alfred is, you know, chair of the regional committee of the CEOs. And so that is an agenda that we definitely support. You know, you've seen recent traction with the ECCB looking to, you know, try and facilitate some of that. For the financial year 2020-2021, March ending, St. Lucia received 415 CIP applications. 285 have been granted thus far. From the Government Information Service, Lisa Joseph reporting.


Wash my hands with soap and water. We also have gloves that I could use in here We're we're thinking about the 4th of July, which is coming up for us And that's a celebration time in America and oftentimes people think of holiday 4th of July Foods and what do you suppose we think of when we think of 4th of July? Are there certain things you think of with our 4th of July? Yeah, actually we do not serve this 4th of July in Nepal But that's right. Last year we came in the square house of downtown and with Pascal and Sarah But I think this year We are going to the stores and they say they are going to take us there Okay, and there are certain foods that we tend to think of oftentimes we think of Barbecuing, you know, we think of burgers and we think of fries and we think of picnics and hot dogs And sometimes, you know, they say as American as apple pie So sometimes you'll hear those kind of things around the 4th of July and that's just part of you know The way America is but today we're going to be doing a couple things We're going to be doing a chicken burger, and I'll be doing that in the other room But we're going to get the fries ready here, and there is a recipe It's actually in the book that you can choose to take today And it's called oven fries because putting them in the oven is a healthier way Not so greasy is putting them in the deep fat fryer like like the way we get them if we go to a fast So I took a sweet potato and this recipe that Megan's gonna she's gonna work with the red potato But I actually peeled the sweet potato because I don't like the peeling left on the sweet potato You can't leave it on. I just prefer it peeled And I think Jean you usually leave the peeling on when she muses a sweet potato it's just a preference you can do either Okay, so this is wash and I peeled mine, and then it says slice into half inch strips Pre-heat the oven to 450 degrees and I just pre-heat the oven And a sweet potato is hard you want we want to be careful and I think Pascal knows that which we want to be careful Because they're they're a hard harder potato than a red potato And Pascal do you have other do you use as you like the sweet potato so yeah, how do you usually eat the sweet potato? I just take all the peels Okay, do you put anything on it once you've got it boiled up and cooked But we don't make this we keep that some kind of pickles So you eat them with a form of pickle, yeah, but but not together Okay, you do not mix together very good, but do you mix vegetables and rice or do you eat them? Okay All right, well the next thing it says I see that you guys are ready to help here in following along with the book or with the directions here it says then to To To you put a half or put a tablespoon of oil into that into the ball And I guess what we can do we can even put the sweet potatoes and I'm just getting these out One tablespoon, okay, then you can pour it on Following the recipe right here And then mix Okay Okay, and then we're going to pour pour them on to half the cookie sheet Okay Okay, that's good that's enough mixing And then and then you can pour them Okay, thank you Okay And you guys all got this brush, I think you The potato so we will just Anybody want to cut the potato So you tend to boil your if you had a regular potato, how would you cook it if you weren't making oven fries? Or do you use potato you don't use potato much? In what Okay There we go, you wanted to start cutting the Mostly white Sometimes they call us meat and potato Most of us need to eat more vegetables Yeah You can use any of your favorite spices or flavors on these the recipe called for paprika So we're doing that today, but if you have another favorite you can use that as a seasoning


Hello everybody, welcome back to another TikTok Cap Cut tutorial. In this one, I'm going to show you how to take a sound or a song from TikTok like I'm logged in it right here and how to bring that over so that you can use it in Cap Cut. Let me show you. Let's just watch the video and listen to the music first. Star shine, the earth says hello. All right, great. It's a cute video, cute sound. I want to bring it over and use it in Cap Cut. What you do is once you've got the, you've watched the video on TikTok like I am here, you'll see at the bottom right here this little record. Click on that and then you've got a few options. One is to use sound, use this sound. You do that if you want to go and make a video just live right now, but if you want to use this in your video editor in Cap Cut specifically, click on add to favorites. Once you do that, you can now log out of this and now log into Cap Cut. So let's find Cap Cut. Here it is. And now watch. I'm going to go create a new project. I'm going to go with videos and let's just go ahead and use here. I got a five second video of some puppy dogs playing. So this is a five second video of my dogs playing, but I want to go and add that sound in. So I'm going to left click on, I'm just going to click on audio here. There it is. And then I'm going to click on sounds and now watch. You're going to see this sound here, original sound. You'll see that it has the down arrow. And that means if I click on that, which I'll do. Good morning, Star Shine. The earth says hello. Presto. Now I can add that audio into one of my videos inside Cap Cut. That's all there is to it guys. Thanks for watching. I got a ton more stuff coming up. Stay tuned.


So hello, and I hope that you like this morning that you had a lunch and everything But right now I want to share one great Ideas with you, but I am afraid that for that I will need some app Developer is there please any app developer here? Yeah, I have a good idea do you have some time no No time, okay. I will pay you a money Maybe yeah, it's okay, right? Okay. Okay, so please what is my what is my idea? Yeah, when I am traveling to the office or to the pub or somewhere I saw the people on the streets and they are listening to music They are singing they are dancing they listen to music on the mobile phone And I was thinking hmm if they enjoyed so much what about they will pay for them and they will pay Pay me what do you think they can pay us? So I need to have an app for that for listening to music. What do you think about it? Yes, I think it's a great idea. And how do you want to like have it? Yeah, it should be it should be cool It should be simple It should be very interesting music there Yeah, it should be working everywhere. We have no connection with connection with 5g connection Okay, but it shouldn't be like yeah, what about the features and features and so hey, I am I don't have time Bye-bye you are the expert. I know Please do your work Hello, mr. Peter Yes, I am here here. Yeah, so what's up? I don't know me show you. Oh Nice, it's cool. Yeah Wow, that's a great man. I like it. Yeah, and we have a lot of features like play and stop Wait, wait, wait, wait, wait, wait, wait. Is that anybody who downloaded this app, please? Yeah, come on and please tell us your user experience Hello, I'm mr. Petter. Hello, mr. Petter So what do you think about it's great, right? Yes, it's a massive piece. I believe it's Like I don't have sounds. It's like having a personal DJ who missed the beats Can you see my review even? Oh, don't use it. Oh, I am afraid. I don't have time. Bye-bye I have two buttons and the most useful is the stop button I don't want to listen to songs from medieval times Backpipes, you know, like who wants to listen to that. It's like run the music playing. I can I can stop it That's that's useful. It's I cannot search for the music. I have no suggestions. Like I cannot Oh, by the way, thank you. You saved me $10. Yeah. Oh, yeah Yeah, I spent my money on that. Nice to meet you, Andre. Yeah, I'm Andre. I'm the product owner But they probably brought it something. Yeah product owner. Okay. Yeah. He's the guy who can fix Applications. Yeah, I know him. I had similar reviews on some applications and then while Andre came and fixed everything I think you need him, but you don't want it. Like like why do we want it? Like I beg money for this. No, no, no, like I need to go to work now. No, no, don't worry. Don't worry. I spend two dollars, man Yeah What I believe don't worry They come cool water and water. Okay, Mr. Product something. Well, how can we like what are your purpose here? Have you ever like try to see this from a user perspective? Oh Of course not. Okay. But One second. We can call the guy the big money. Yeah, I like that. Yeah, you have called big money. Yeah, let's Okay Hello, Mr. Petter. Yes. Did you come over? Yes? I guess. I'm here. Yes. Oh, who's that? Hi, Mr. Petter. Big money. Yeah, I'm Andre. Yeah, nice to meet you. I'm the product owner. Product something. Yes, that's it. Yeah What what do you need? I was reading your reviews and things to cheaper. I didn't buy your app. It's your app, right? Yeah, it's my app. Yeah, you didn't buy it. That's pity. I like money Yeah, you're precious, right? Yeah, so yeah, I just read it like have you ever tried to use your own app? Of course not. Oh, yeah, I see. Yeah, I imagine. Okay, so Like you spend a lot of money here, right? Yeah, like four dollars, right? Okay. So gold. That's a gold It is better than check and you know, you shouldn't you just have it. Okay. Yeah, maybe so Can we want to try again? You want to fix it? Fix it, yeah. So you will remove don't use it and you will write it as a best app ever? We will do better. We will make teamwork do that. Okay. I have 10 minutes. We can discuss it. Yeah, I know. Okay So can you explain me the idea the idea it's easy look when I'm traveling to the work I see a people on the streets. Yeah, and they are listening. Why not? I don't judge them They are listening the music, but they have phones in they had and I am saying why then why they don't pay me for the listening Okay, let's do it once. So why you speak less. Can we take some notes? Yeah, please make some notes. Yeah, you mentioned that we're talking about topics and Split your idea into topics. So one more time. You are the user. Are you imagine the app? I should imagine that I am a user With money. Yeah Okay, I can I can yeah So it's about songs songs. Yeah I like some of them. I don't like some of them and I want to have it in my playlist one playlist for Traveling to the disco one playlist for traveling to the job once for divorce and so, you know Different playlists share later on with me. Yeah Music search it's very important playlist music search. Yeah, and then as I said it should be about money So I need to have a different people have different profiles. So I know if they paid me or not users. Yeah Socializing socializing because I want to judge the people by their playlists. That's nice Okay I tell you you didn't understand So, okay, so if I took notes and it's right That's it what you want. It's too much. But in some management our playlists. Yes Money subscription means money, right? Yeah. Yeah Remember the disaster Minutes you made that disaster, right? Okay, okay, so let's do it right and let's start with the most basic function Control I Master likes it, right? So play back control again, I know it's hard but money. Yeah. Yeah, so you are the user How do you see the functions? If I open the app But it is not crashing because yesterday it crashed to the floor with the phone Right users will pay it. Don't worry. Okay. Okay. I want to choose the song I want to hit the button and it and it will play. I will listen to me Okay, so if we start with play it's the user Wait, wait, wait, you use so many papers for that. The company's paying for this Okay, users will pay. Okay. We have a lot of them. So that's it. You open that select a song hit play and Listen to me. Yeah. Nice. What else? Pause. Oh, it's very important. But no, no pause stop because when when I am listening music very often Somebody call me for example or lawyers or my body or something. No, I need to stop the music And I need to answer the call I'm a businessman I'm actually the divorce. Okay. Yeah, fine. So user opens the app pretty much the same and stops. Yeah Yeah, but a lot of paper here, but don't worry. They are paying for that and I have a solution Okay, okay. So the pause you may have a pause, okay? It's if I for example, I'm listening to music Mm-hmm, and I need to pause it because I like it but I want to buy a new Lamborghini and then I can continue You know fine. So yeah, just to I try to do something with these teeth Repeat that play because we have a lot of greens and Fine, so thank you Okay, pause fine. And what else? What comes next next? Sometimes I listening, you know, for example the radio in the car and there is a Justin Bieber just in the I need to hit Next and it is keeping to something more what I like. Okay. Fine. No Justin You don't want to be judge it. Okay fine, but Okay, you're playing does it work? Okay? Yeah When because why how much If I just if I am not For example in the morning if I don't know and I don't play but next it should play the next one from the my playlist And if it's just Bieber next. Yeah. Yeah. Okay. So if we have one next Story another one, and it's a different a little bit different, right? Yes Thank you So Patrick we have all the things for the playback control, right? Yeah, we have but if I ask the developer Can you implement this everything at once? Yeah, but one thing I need Oh Should we prioritize the things because we are doing it in releases. So What do you want first? What should come first? Yeah Repeat because sometimes there is a Dell. She is so lovely. I want to I want to listen it again Repeat again repeat listen. Let me guess again. Yeah, I got I think I got it. Yeah, we explored Okay, but to repeat something should be playing, right? No Yeah, that's true. So maybe the play is a little more priority than a repeat. Just a little bit. I I could agree. Yes, okay Okay, after all the discussion, that's what we have we kind of Skip it the repeat. Yeah, but we have the next so you don't need to deal with just in view Yes, of course people will not judge you and we have placed off and next right? Yeah. Yeah. Yeah, okay in the end We have this But I have something to tell you about we need to do that for the others. It's work Remember the disaster money Okay, okay, we can tie it. We can tie it. Okay, let's do it Okay, we did everything for all the other features and we selected what comes in the first release and the other things are go They go to the product backlog and we listen to the users. We select that and we are releasing stuff That's it. Wait, wait, wait, wait, wait, wait, I see free 3r in the MVP It's will be for free. It's at the beginning. No, it's about addiction. You know something about the addition Yeah, yeah money and socializing creating addiction. Yeah, because they start spreading the word of listening Yeah, that's a good idea Yes, it was so addicted that we start paying and then the money will flow. Yeah. Okay. Slowly. Yeah. Okay. Okay So can I talk to them? Yeah, please talk to them. Bye. No, wait a minute. You will do it, right? Yeah, we will do it That's our work. You need money You are not engineer. You do nothing. What do you think bye bye? You pay me. Okay. Okay, engineer. Are you okay with that? Yes. Thank you. So you don't need me, right? No Great, because now you will deal with him and with customers. No, no, stop, stop. I need you. You need me, are you sure? I don't want to deal with you. So fast. No? Okay, so Oh, yeah. Okay. Thank you. Oh, you want to share? Okay. So I'll pay you Hello, Mr. Big Money. Could you come over and discuss our result? I am here. Yeah. Yes Okay, so here is that scholar again. Why? Okay. Okay. What are the features here? Features? Yeah Yeah, I don't care about the feature. What about the user experience? They started They do they started to be addicted? I don't know. Do we have anybody? Do you remember that guy?  Yeah, we are friends now. Yeah, okay. Okay. I will tell them. Yeah, you can. You can. Why not? Why not? Yo, T-bar. Can you come over? Yeah, I'm on the way. Yeah, thank you. Hello. Hello. Hello. Yeah, I like the new release of the application. Really? Hello, Mr. Great job. Great job. I'm owning this app, you know. Cool, cool. Yeah, thank you. Thank you. I don't know what you do, but it was a great job. Like I think that this this app finally knows me like it suggests the Macarena for our party and we were listening on repeat. Yeah, we loved it. We were dancing. It was such a great pause. Yeah, addiction. Yeah, addiction. They started to be addicted. Yeah, okay. It's the feature of trending music.  I like the feature of trending music. Like I didn't know in such baby shark existence. It's really lovely. Yeah. Yeah.  I was so occupied dealing with him. I'm sorry about that, yeah. I will definitely add it to my playlist library with this hard button because I really love it. Like I will listen to it. Did you play it? Yeah, yeah, of course. I will just play it and go earn some money to spend it on this app. Something. Mr. Big Money. Yeah. Are people getting addicted to your app? Yeah, it's nice. We will very soon release another things and there will be a payment. Finally. Yeah. So do you see that I am not an engineer and maybe you are not engineer? Yeah. Yeah. But you really make this engineer, the software engineer who was working, he finally created my thoughts, which was great. They started understanding you, right? Yeah. I would say that you helped me so you deserve it. Yeah. Thank you. Good job. Good job. Thanks, Mr. Big Money. Bye. Yeah. He's not kidding. No, he's not kidding. It's my money. So Q&A. So do you have any questions? It was a disaster when you just see so No. No questions. No comments. No addiction. Thank you. And the voice was the best. It was the most happy. Okay. That's it. There is no questions. That's great. Thank you. I have a question. So what do you do at random? Please start. I am a product owner. And I don't have any money. What are you doing? The same. We are basically the messages. We are the bridge between the customers, the users, the final users, and we've kind of translated it to the developers, to the development teams, and we try to help to facilitate that. So we don't waste time, we don't waste money, and we implement whatever the users will use or they will take advantage of to improve and help. Okay, Clara. Very often I think the problem at random is that the product owners don't actually have the contact with the customer. Are you experiencing the same issue and do you think that there is a solution? Andrea, we left it for you. This is a nice question. Okay. I heavily engage with my product manager and she is exposing me to the customers because I'm asking and willing to do that. So a very nice guy called Dimitri Paul told me that you can, you have the business you are developing to or you have partnership with, company A, but in company A there are customers or users inside it. So we kind of need to trespass this company and reach to the final users and kind of listen because sometimes they have ideas just like the one we presented and now just do it because our people will love it and in the end that's not what they are expecting or it's not useful. So she's trying to expose me as much as she can, but it's time consuming and it's hard to sometimes go to those people. Yeah, they are understanding the world, like the things that they should put me in front of like, okay, if you need to listen to these people and try to get the things and understand the scenarios, etc. and come back to us. So we're doing some attempts. It's getting there. Yes. Let me see if I got your question. So you are asking it, how do we manage it? He asked us for a feature and we try to understand if that feature belongs to our product to like all the customers versus pleasing a single customer. Is that the question? Fun fact, I'm dealing with that right now. So some customers they are pursuing some or like they are really trying hard to get some features that don't belong to our product. So first your product should have a vision, what our product should do. Otherwise you will create something that you're trying to tackle so many problems and it's like a Frankenstein. Okay, what is this supposed to do? And you need to be focused. It's not so easy, but if you have the statement or my product should do this, like this bottle should carry water and keep things fresh. I would not add like solid things here because if someone asks, no, but if I can't know, you can't. This product doesn't solve this problem. Maybe another one. It's hard, but if you have people on your side and understanding that, it makes things easier. And if you have anything to add. Okay, it's my thing that there's not something to add. It was about to be out to both, I think, what we are trying to do. Yeah, thanks for your question. Sorry, something was passing. That's great. There are some mechanisms to try to try that, but none of them we replace the final user, the end user accessing that. So there are some companies that they just launch a new feature and they just put this like 1% of our customers will have access to that and we see how is the damage. We test internally, of course, we go through the user stories, we understand, okay, this feature is doing that. So it's actually doing what we expected. Because I tried to clarify, the product owner tried to clarify as much as he could and tried to understand the user journey. So there is a lot of work before the final product. Before it reached to the development team, we kind of go there and try to understand, okay, this, this, this, this, and we try to come up with different solutions. It's good to have technical people in those discussions. I called product trio. It's a product owner, a developer lead and someone from UX. So us three together, we kind of speak about it and everyone brings their point of view or oh, I listen to the customers. I know the technical feasibility of that and I kind of try to understand from the user, the final user perspective. So we together have more chances to do something that will please the customer or achieve the goals. But it doesn't prevent some disasters, but we try our best. We have the testing, we understand that we are doing what the user stories are supposed to do. Sorry. And once we, when you, before launching or in the launching phase, we can do some A-B testing, okay, half of the developer, half of the customers will go through the new path, the other half will go through the old path, and we can try to understand what is happening. So there are some, some companies just put one percent of the final users in touch with the new flow or the new feature and they try to collect things. There are beta testers.  You have access to this before other people, you feel special. So we are dealing with emotions as well. All those things, and we kind of get to review because, oh, I mean, special, they are selecting us to reveal this before others. So, oh, yeah, this is, if I can maybe just comment a little. It's always about the beginning where the product owner is telling it to the team what they will do. It's really about to specify very precisely and think about it in this, in this time, how the test should, should look like. If we don't know, we create a spike for that, and then we have a more, more understanding and better results. Then there is a testing process which is standard. So it is tested that it is doing, and also here the product owner can check the, the, the, the requirements are met. And then, yeah, the beta phase and the testing with the partners and so on. Yeah, all those stuff is done. Yes. Yes. Yes. If you want to say no, no, yes. Because, sorry, I, I, I feel it. This is, this is about knowing, I should know my customer, I should know their needs. It's a benefit if I understand the technical stuff. But it is also when I know technical stuff too much and I try to find a solution. I'm not doing my job. I should be there and I, I should have a voice of customers. I, I shouldn't be a, when I, when I want to solve it, I, I collect my team. We have a meeting. I am trying to say what we need and they are providing the solutions. But I really trust them. They have the knowledge. They are the engineers. I am not an engineer, by the way. So, yeah. And we have, we can, yeah, because I was, before I was an engineer for 10 years. I was a solutions architect and I moved it to the product owner role. And sometimes I really want to go there and dictate what is the solution, how it should be. Like, the solution will be this. You will build this way. It's not my job. I, I cannot, I can't touch that. I just need to say what is supposed to do and how it's supposed to behave. They will provide a solution. There was, yeah. My question was, how much do you think the automated behavioral analysis is something like that, basically a replay of the product in the role? It's like, you know, or, yeah, these are things that try to use the behavior of navigation or product. I saw a meme in the internet that, okay, product owners are safe because the customers are people they, they really should know what they should ask about. So, if the, we have those conversations to understand and dig further what the person really means. So in the beginning of the presentation, he had something in his head, but he was not able to translate that. So if he was able to write all the specification, et cetera, in the right way that Eric would understand, and he is sure about what he wants, yes, they can replace us, but I think it's the case. Yep, sorry. I think this person, this person, that you can, oh, there was one. Yeah. So what do you wish you had known before you had become a product owner? Sorry? What do you wish you had known about the work before becoming a product? That would be so fun. Yes, I enjoy what I do. What was the question? What would you like to know before joining this role? Okay. What I wanted to know. I wanted to have a training before. I did my training during my path. There was a lot of trainings, but at the beginning it was towards some processes, product owners, it's not about processes, product owners about communication and about the tooling. This theater maybe was a little, you know, but the way how Andre was asking me, I am calling it a tool. It's very important to know how to properly ask the question, to get the answers. So that's what I wanted to know at the beginning. Yeah. I have a question about product vision. How often it can be adapted or changed or it's like just one? Every time it's needed. No, every time it's needed. Product owner should be in contact with product management. We are. And recently we updated in the beginning of the year. And I think that before the end of the year, we should check if it is still valid. I try to replicate something personal. So your life change, right? So it's the same as the product. Today it makes sense to go this way, but maybe tomorrow something happened and okay, we should start driving in that direction. So in maximum once a year, but you should keep that handy like, okay, this is my product that should carry water, but maybe in one year I can change it or it doesn't make sense or the competitor are doing something different. So the users are asking for something different. I found a different niche. I found a different opportunity and we started talking about it and crafting the vision. It's important to have more people in the room that we discuss different point of views. So when there are some recipes to go through it and it's really nice to exercise. And it's one person here first. In your scene, you have great engineering team represented by Aik because he said, thank you for the task. And here it is, it's delivered. No problem. But what could happen is now I'm not going to touch this because it's working for years. It doesn't make sense. Plus, there is a super corner case I don't want to fix right now because I have to fix it. How do you deal or if you deal with this? We are caring about priorities and there is a section, there is one another person who was hidden. It's a scrum master. I am lucky. I really have one. And if there is this type of things, it's about a matter of evaluation. So how much this corner case is important? Are you releasing a single customer or like replacing a lot of customers? Oh, a lot of customers. Oh, it had once in a while. Just like this. Jupiter crosses Saturn. Oh, it happens. Okay. But how important this is against other things that customers are, it will benefit other people. So it's about there. And how long is in the backlog? Oh, it's here for five years. Probably it's not important. Otherwise, we would have done that before. Is there a nice way how to tackle technical debt or like long term investment or why do you have to start with need some technical preparation? Do you? I have an answer. Oh, cool. I am right now working with the project, which is a very long project, I would say 20 years. And we have a technical debt. And we have also the features which are very important and other stuff. And we started with sprints. And when we started with sprints, we have a one goal to finish everything in the sprint. We should plan in the way that we finish everything. What is in the sprint? If we don't finish what is in the sprint, it is going with technical debt. And I call this type of backlog technical debt because it means we just touch it. And we didn't do that properly. And every time when I have a sprint planning again, I am looking for this very small backlog. And I am and I am asking myself, do we still need it? Or this is out of our scope and we can close it at all. The other technical debt which maybe you are talking about is the old stuff which we didn't do in the past. Okay, if it is important, I have it in the priority. That's my answer. Can I reply or do we have time? You guys have one minute. One minute. I will do my best. So some people have some strategies to deal with that and keep it alive. So maybe dedicating 20% of the sprint or whatever you are doing or like a rotation every time someone is taking a look at some item in the technical backlog. So you can explore that in different ways. But the message is don't let it die. You need to look at that and be friendly. Okay, let's try to handle this and bring engineering to decide what is the most important thing. So it's time to say thank you. It's time to say thank you and goodbye. Thank you.


Hundreds of Palestinians had gathered earlier in the world old cities al-Aqsa Mosque compound. The protestor in support of six militants who broke out of a maximum security Israeli jail this week. Israel's military has launched a manhunt after the six men escaped through a hole in the floor of a prison cell on Monday. With the men still at large, the military arrested some of their relatives in the northern-west bank this week, sparking Palestinian protests and clashes with Israeli troops. Israel's Public Security Minister said on Thursday it would form a commission of inquiry to probe the escape. Hello. Hope you enjoyed the news. Please do subscribe to our YouTube channel and don't forget to hit the notification button so you get notified about fresh news updates.


Granddaughter, the water can hear you. The water has memory. Nebe. Nebe. Wabo. Wabo. Endian. Endian. Nebe, walk in the sleep. Nebe. Water is the life's blood of our mother, the earth. Water is the lifeblood of our own body. To continue to pass on the knowledge that needs to be given unto the other generations. You are the keeper of the water. The change in this life condition that we're in, that great-grandchildren will stand up to, to this truth of what life is about and to live it in such an honorable way, the way ancestors came, came to this earth. Nebe. Each day when the sun rises, no matter how bad the day before might have been, there's a new chance for your hopes and dreams. And I say, thank you for singing the water song. Me squee.


In this presentation, we will take a look at multiple choice questions related to budgeting. We'll go over the questions then we'll practice test taking skills with them. First question, formal statement for future plans expressed in monetary terms. A, projection, B, analysis report, C, what if report, D, budget, E, variance analysis. We'll go through this again and then use the process of elimination. Formal statement of future plans expressed in monetary terms. A, projection, that sounds like a reasonable term. I'll keep that for now. B, analysis report, and it sounds kind of reasonable. I guess I'll keep that for now. C says, what if report, that seems like a fairly strange named report possibly not a very formal report. I'm going to cross that out. D says, budget, that of course is what we're concentrating on here. So we would think that that could very well.


Recent research has shed light on the cellular mechanisms underlying susplatin-induced renal cell death and inflammation, which amplifies kidney injury and dysfunction in vivo, and may lead to more effective prevention of susplatin nephrotoxicity. This article was offered by Ganesan Ramesh, William Brian Reeves, Ronald P. Miller, and others.


The Sultan of Saqutul Mu'amad Sa'ad, a Bubbaqa III, has described those trying to divide Nigeria as satans. He lamented that a few elites were sowing seeds of discord to create animosity amongst Nigerians. The Sultan, who spoke on Monday in Balchi, but during a commissioning of an ultra-modern Hajj camp, urged Nigerians to continue to live in harmony and not allow some few elites to use them as tools for destruction. He also called for urgent actions by concerned authorities to restore the confidence of Nigerians.


Lionel Messi has admitted winning the Copa America with Argentina might have been the determine in factoring winning the Mence Ballondo prize. The Argentine won the award for the seventh time ahead of the rivals like Robert Lewandowski and Karim Benzema. Argentina beat Brazil 1-0 in the Copa America final in Rio de Janeiro with Messi playing a major role at a club level he scored 38 goals and 48 games in his final season with Barcelona and won the Copa del Rey.


to my channel guys it's your girl Coco Styles and on this channel we talk about beauty, fashion, lifestyle and styling. Today I have for you guys a few pieces that I purchased from I think it was the Outnet. I got something from Poshmark and Loomingdale's and I got my jeans back from the Taylor so let me see all three jeans back from the Taylor and I'm gonna show you she can throw my pants all over the place what she did remember the black ones were very big in the front area so what she did was she how can I say this she ended up I mean she she did a pretty good job but I see she made a boogoo on my um on my pants but it doesn't even matter can you guys see this little seam here she brought the pants in because they were baggy they were just slightly big in the front for me um so I'll probably try these off for you guys so you guys can see how these are fitting me now um she also did and these the black ones are the ones where she had to do the most work because the others weren't as big okay so let's sit those there and then the blue ones that had like the slip in the bottom she took those in slightly like very very small in the back and if you guys don't know when they tailor jeans um uh it's right here I don't know if you guys can actually let's see if it's gonna focus oh yeah right here okay so she took that in on both sides and then she did the same with the darker pair fit me slightly different because they were kind of like I don't want to say hi waters but I have a vision for them because they're wide leg um but I'm gonna try these on so you guys can actually see these and you can see these as well see right here she brought it on both sides listen I don't have no big booty guys but um my waist is kind of small and um since I've been working out so oh but she did a thing here too I didn't even notice she did that oh she did okay see I can't even sometimes I don't see she actually put a seam here in the front hmm didn't notice that in the store which makes sense because I didn't think I was like oh they fit good she did that on her own because she probably realized that they were a little bit big in the front um but you can't see it but those are some of the things that I have to do as a tall woman now let me grab my new stuff for you guys and let you guys see the new stuff this stuff out the way so you guys can get a good view all right so I'm probably gonna put on a tank top because I can't put this over so this is a jacket that I got from poshmark it's a vintage plaid jacket now my friend has a poshmark store so I definitely purchased this from her so now here's the thing about this jacket this crap is a size 16 this is my second vintage jacket that I got um and if you guys don't know when you buy things that are vintage the sizing is completely different from what we have now in stores so a 16 sounds insane but let me actually change my shirt let me put on something else so you guys could actually see everything on me so give me a second okay all right guys so I am back with the blazer I'm gonna step back I have on a pair of the um the jeans um these are the wide leg ones I know you guys can't see the bottom of me but it doesn't matter because I showed you guys another video but this is the blazer um so you got okay let me show you guys the sleeves because the sleeves are like the funny part the sleeves are like just hitting me it's not my cup of tea so I'm definitely gonna like roll them up um I'll probably do I don't know these pants are pretty cool with it because they're like wide leg at the bottom um and just keep it like really really simple I want the attention to be on the blazer and not anything else so let me just come closer I took off my other earrings because they're just looking a little strange can you guys see like the the texture and stuff sleeves I'm sorry the um the buttons and you can tell vintage stuff because the buttons are typically like this right so this is that I don't know let me see and as far as listen I'm I'm the girl who will wear whatever I want right as long as I'm comfortable in it um since the jacket is so bold I would definitely probably you know dummy it down with something a little bit more relax as far as color just so I could actually get the pop that I want with this jacket and if I wanted I can just do a sleep pair of boots if I wanted under I can do black I can do I can pull out any color from this and what I'm going to do is I can probably try this boot on really quick so you guys can see it um but then that means I have to turn my camera let me see if I can get a good setup so you guys can see it give me one second right guys I'm gonna actually just grab I wouldn't necessarily style it with dark boots um but since I'm here and I'm in my new closet I'm probably gonna do just the dark boots with this so let's do that so you guys can see that I'm trying not to make this video super long but I just want you guys to see if you do purchase a vintage blazer make sure you are buying the color I mean the size it's gonna seem kind of strange because the size is so large but it doesn't even matter and I think I should take off these socks hold on y'all hold on let's take off the socks and just throw this on really quick for you guys I got these from but they're so supple who wears what she wants to wear I wanted you guys to see the pants how they how they fit me now these are a 14 I think but like I said she took them in here she took them in the back sometimes you just have to do that so that's the jacket I'm gonna actually just throw on the sweater that I got from the outnet listen the outnet is where is that um sometimes you'll find things that are I don't know you may think they're still pricey but the price is so much lower than the normal price that you do feel like you pick a lot of okay and I'm starting to kick these pants on just for the sake of the video but I would definitely style these with my leather leggings that I have from bcbg or some sort of pair of leather pants oh guys this listen when I saw this sweater I was like in love love and it's an oversized um like I don't even know this material it's a helmet length sweater and let me see what the material is I don't even know let me see I don't even know but it's like really really soft I thought it would say it on here but it doesn't and it's white and black and all over the sweater it says Milano helmet length Paris New York all the fancy places so it's an oversized knit that I am what listen when you find pieces that you love ah just buy them look at this this is like super super super cute this is cute you can tuck the front end if you want it to if you want to wear it like that you could roll your sleeves if you wanted to but this is like extremely cute it's very chill um something that I love if I didn't want to wear these pants and I wanted to wear like I said my leather pants I can dress them down with some moto boots and just some some black leather leggings and like I said the ones that I have are from bcbg I had them for forever I think they were like 300 dollars but they were super long for tall women so what do you guys think about this sweater the sleeves are long so if you are a person who likes you know longer sleeves this is it and here's another way to wear this you can wear off your shoulder you can just wear like really just chill all right um this is plain I don't know I just feel like black will look better at the bottom and guys I would definitely do a pop of red with this what I'm gonna do is I'm actually going to leave the sweater on and I'm going to actually no I'm gonna take the sweater off so it doesn't clash take the sweater off and we're actually going to put the the pants on now the pants that I just purchased they are from um ALC I showed you guys the brown the chocolate brown pair that I have um I just did a video on chalk wearing chocolate color on my skin tone um it's not really something that I normally do at the top if I do something uh oh if I do something that is chocolate I'm definitely wearing a lighter colored shirt um in front of it so all these things okay I'll say this I'm not the girl who buys things and takes the bag it's just not my thing um but this this sweater is it I'm keeping this one I don't buy things and take them back the blazer we can situate that um and then now I'm gonna just try on these for you guys to see I'm gonna come a little closer I do have these in chocolate guys like I said I think the closer I get you won't be able to see the color but it's like um is this bone uh oh so that's sweater I'll tell you now it's gonna get all over you so make sure whatever you wear you're okay with the stuff getting all over you impossibly my hair um this is what color is this I don't know it looks like a bone to me it doesn't even say but I got the one sale for like 167 or 180 or something like that the first pair that I bought I did get a size 10 and the first time I wore them your girl busted out the back I did excuse me but I was all over the place that thing so I got a 12 this time and I'm gonna show you guys how these fit me right now so let's just take this off I'm gonna take off my shoes first um but listen as tall women we need to start buying things that we love right we don't necessarily have to what's the word get what but only the tall girl brands have right oh god let me take off my shoe guys because I didn't put any socks on so this is gonna be I'll be right back all right so these are the pants these are super super stretchy and for whatever reason these feel just as tight as the other one but they slept really really good if you are a tall woman these are friendly and it's like about an inch and a half that you can take down um something like this I can wear with pretty much anything I can throw it on with something the same color um I don't know if you guys know but I love love neutral colors um but like this I wanted to go for a full on a full on outfit with a nice light top I changed my earrings back this actually looks cute together um definitely with a different top but yeah these are the pants I need a would you call that a waste right um but yeah these are these are super cute guys so that's everything that I got it wasn't a lot I'm gonna try on the pants the jeans so you guys can actually see the fit of the two the three wool I had the first blue pair on the other two and how she actually took them in so let me change and get back to you guys all right guys so here are the black pants um she this is what I think happened I think she did the blue pants first and put the pleats in the front because the black pants were bigger she did them different so she actually pleated the front and these which I you can't even really tell but she did these in the pocket which probably I don't know maybe she was thinking she's kind of I'm not gonna say she's learning she's learning how this stuff fits me so but I actually really really like how she did this and if you guys can see back here she took in about three inches um for me this is enough because I who knows my stomach will grow um but she did a really really really good job on these um these pants I'm actually gonna wear with I have like this Zara t-shirt it's over there and it has like a little bit of green it's old but I'm definitely doing let me actually let me see if I can find it where is it oh it's right here I don't know can you guys see this shirt um so it has like a little bit of green in it um this is not an oversized blazer so it doesn't fit me like the sleeves are like really just right there I could get her to take them down but I know I'm gonna roll them up and wear a t-shirt under it something chill um and just kind of you know dang can you guys see everything here and stuff in here can you guys see like the little bit of green I don't know if you guys can see right here it literally matches the jacket so that's how I'm going to wear this as soon as I start going back outside so that's all that I have for you guys I'm not even gonna try on the other pants because this was like the typical Tae In um it was the blue and the black that was very very very difficult um so we shall see the next pair that I actually do take to her guys so if you like videos like this please comment below guys I'm actually going to link the sweater I'm gonna link the sweater the pants might be sold out and what I can do is I can link actually Zara's so these are from Zara these are the pants from Zara guys I think these are sold out as well I do and I wish see the blue pair supposed to be like this but they weren't they weren't like this the black pair but I'm gonna link the sweater and of course the the plaid is this is um from Poshmark um but if I can find something similar I would I would link it it's probably not going to be the same wool material but something similar and then I'll see if I can find if these pants are still in at Bloomingdale's guys those are when if you are 5'9 to about 6'2 because there's still room to take out for you to get them tailored and let the hem out stop that's it guys we're trying to get back into the groove of doing more videos with styling um it's just literally getting into the groove of it and what's more comfortable for me and good for you guys so if you have any suggestions I don't know if you guys mind when you know people in the mirror let me know that can get kind of tired or something but I don't know let me know what you guys think guys if you stay to the end of this video please comment Coco we see you and if you are not following me on Instagram make sure you follow your Instagram at Coco Styles NY and Coco Styles NYC and my style blog Coco Styles NYC and my styling services Coco Styles NY.com and I will catch you guys in the next one guys bye guys