The four big reputation control realities that all brands battle. Hey, if you've got a company, heck, if you're an individual, you've got a reputation, and this video will show you how to protect it. If you don't do this nowadays, if you don't try to protect your reputation brand nowadays, you can get destroyed and you didn't even do anything wrong. So you're gonna wanna watch this video to the very end to find out what you can do, what you should do, and more importantly, what you should not do when you're trying to protect your reputation. Hey, JR Fisher here.  If it's red, click it, turn it gray. Don't forget, turn on all bell notifications so you're notified each and every time we go live or if I upload a video. Now, reputations. What is a reputation? A reputation is nothing more than what other people think of you. I remember being in high school and everybody had a reputation, you know? You had group reputations, you had the bad kids and you had the good kids and I was unfortunately in the bad kid group, which I thought was pretty cool at the time. But the point is after you get separated from these groups here, you have individual reputations and your business has individual reputations. You've gotta learn how to protect it guys. It can get destroyed nowadays with social media. So I wanna walk you through all the steps of what this really means to your business and what you can do to protect yourself. Now, here's a question for you. What does Kim Kardashian, Beyonce, Kate Middleton and Lady Gaga have in common? Well, they have a huge following, but the important thing is they understand social media and since they understand social media, they can control it with their messaging. Now, if you notice, all those people I listed rarely give interviews and they don't give interviews because they wanna control their reputation. They wanna decide what gets put out there in the public, not some other third party. So they've understood how this messaging works and how it can help their brand and also how it can hurt their brand. Now, although none of them can control what millions of fans are gonna post on social media, what they're gonna put on YouTube or Instagram or Facebook or any of those things, what they can do is control their own personal messaging. Now, the question you've gotta ask yourself is what does this mean to you as an individual and of course, your business? Now, just like celebrities, the huge rise of social media has impacted businesses, has impacted individuals and if you don't get a handle on this, if you don't understand this, it can hurt you as a person and it can hurt your business also and we don't want that to happen, so we're gonna fix it in this video. Now, as a business, we are now able to build our brand. We're able to use all these social media areas to get our messaging out and to build a big fan base. That fan base can support our business, they can help us grow our business.  Now, as silly as this may sound, one of the most trusted reviews that people trust when they get online is a four star rating. That's the most trusted, not a five star, a four star. Closely behind that is a four and a half star and just behind that is a five star. So, you don't have to be perfect and I think the public generally when they see a five star rating, they think it could be a little bit suspect. Now, years ago, I worked in the automotive industry and we tried to get reviews from buyers of the cars that we sold and we had 16 different franchises and we never really went for do you like this car because we didn't make the cars. All we did was buy the cars and resell them to the public. But what we did do is we asked the individuals to rate how we dealt with them as an individual. And funny thing is that when we would get some reviews that weren't perfect, that actually helped our overall reputation. It made us seem more realistic. It made it seem more reliable if everybody didn't think we were a five star car dealership. Now, here's the important thing. What you need to do as an individual, as a brand, is you need to encourage people to give realistic reviews of your company. And you also need to point potential customers, current customers, to your reviews and mention, hey, we've got these reviews, you can go here, you can read all about us and send them in the direction of those reviews. And don't be worried if you don't have all perfect reviews. Nobody is perfect, okay? Nobody is perfect. You have to realize that if you have all perfect reviews, and I disbelieve all perfect reviews, I can't count how many times I've been to a restaurant and they had all five star reviews and when I got there, I'm like, no, these people have missed some things. But if I went to a restaurant and they had four stars overall reviews, they had a bunch of five stars, they had some threes, they had a couple ones, I would know that those reviews are probably more accurate and they represented that business better. So don't worry if you don't get all five star reviews. Now, what do you do as a business? What do you do as an individual when you get reviews? The number one thing I'm gonna tell you to do is respond to them. Now, the knee jerk reaction is to only respond to reviews that are bad and say, hey, that's not true or we're gonna help you out or whatever. But you've gotta understand, you've got to respond to reviews that are good also. You've gotta thank those people who put in a good review because let's face it, if they had a good experience with your business and your product and they went through the effort of putting a review in there, they're trying to communicate with you. They're trying to make contact with you. Now, here's the flip side.   Now, most businesses do respond to those but here's the problem. 39% of all the people that gave bad reviews that were surveyed said they expect a response in 60 minutes, 60 minutes. Now, the truth is most businesses large and small wouldn't respond for minimum of five to six hours and you think, well, that's certainly quick enough. It's not quick enough for the respondent, okay? It's not quick enough for the person who filed a complaint against you. That is where the real problem is. You're not battling bad reviews. You're battling how you handle bad reviews. The problem is not the bad review.  Please, please, please don't ignore them.  That's not what happens. I found out over the years in my food company, in the automotive business, when you ignore a problem, it grows and grows and grows to where it's a huge problem and then it may be out of your control. Now, keep in mind if these reviews are posted on your website, if they're posted on your Yelp listing, if they're posted anywhere where the public can see them, the public's also gonna look to see if you responded to them. I know a lot of times I'll be on Yelp and I'll look at restaurants and the restaurants that respond to everybody's comment, whether it be good or bad, I'm more likely to go to that restaurant. If I go to a Yelp review and I find that there's a whole bunch of bad reviews and the restaurant never responded to them, I know they're really not in touch with their customers. I know they really probably just don't care. Now, maybe they do care but they're scared to respond but it comes across to me like they just don't care and that's what customers are gonna think about you and your brand. According to a book called Talk Triggers, 19% of all purchases are made by word of mouth contact. So something somebody else said about your company, something somebody heard about your company are gonna determine if they buy from you or not and 90% of purchases are influenced by influencers, people who have a following. So it's super important that you're responsive to this and that you stay on top of it. Now, outside of your reviewed channels, people go to different websites and they will review you. It is incumbent upon you to figure out what those websites are, what those review sites are. Recently, I just got a new doctor and I went to health grades and I looked at doctor's ratings. I would look at somebody on my plan that I could go to that was covered which in Texas is pretty bad but anyhow, I would go to my plan and then I would try to find them on health grades and see what people said about them there and that determined which doctor I was gonna pick. That never happened when you were younger. That was all word of mouth. When I was a kid, growing up in the 60s and 70s, there was nothing like that but it's there now and you've gotta realize that your customers are using these sites. So now you have to take charge of this. You gotta wrap your arms around this and you gotta get into those sites and you got to respond to these people out there that are reviewing your company. Now there are review sites out there like Meltwater and Sprinkler and they actually monitor all these sites and they can help you respond to all these reviews that you're getting at your business. You can also use many tools that are AI enabled and they will help you monitor what your reputation is online, what reviews you're getting online. And I highly suggest you run a search, you find some of those and figure out what's appropriate for your company. I could do a whole list here but they may not match what you're selling. If I tell you about health grades that has to do with doctors. If you're selling lawn mowers, that site wouldn't matter to you. So you've got to figure out what sites are out there and then look at some of these tools that can help you monitor them. How you handle these reviews online will greatly affect the sales of your business and that can affect it in a negative way but it can also affect it in a very positive way too. It's just a little bit of effort and you can get somebody in your company to do it. You could have a VA do it or you could do it yourself if you want to be a little bit more hands on. I hope this video helped you out. I hope it lets you understand that you got to take charge of your reputation. You remember that girl in school that had the bad reputation or that guy in school that had the bad reputation, everybody knew about it and it was a small community of people. It's a huge community of people now and you don't want that bad reputation at all, right? You just don't, okay? And you don't want to be a perfect person either. Nobody likes a perfect person. So don't shoot for all five store reviews, embrace the good and the bad, stay in touch with your customers, let them know you care by being in touch with them, by contacting, by responding to anything they post about you online. Thanks so much for watching this video. I hope it's helped you out and your business out and if you got value out of this, do me a favor, hit that subscribe button down there, turn it from red to gray and don't forget to ring the bell. Turn on all bell notifications so you're notified each and every single time I go live or I upload a video. I also have a free course below. It's a $97 course. You can get it absolutely free. All you got to do is opt in and grab it. It's really simple. You don't even need a credit card. Thanks so much for watching this video. Give me a thumbs up if you don't mind and I'll see you in the next video. Hey, thanks for watching my video. Don't forget to subscribe to my channel and click that little bell right there so you can be notified every time I do a new video. Also click on one of those videos there. Keep watching on my channel.


Bemidji State University and Northwest Technical College could receive over $26 million in funding through a state bonding bill. Governor Mark Dayton made the recommendation in the 2016 bonding bill that did not pass, but was included again in the 2017 DREP. Melmeyer has more. The colleges have been working with the state school system to have their most pertinent projects included in the bill. For the university, that means a nearly $19 million complete overhaul of the Hag Sauer Hall. New facilities that have the kind of disability access that we require, that have the kind of learning technology that our students expect and deserve to have. The Downsize Center would have a 1.5 story lecture hall in eight more traditional classrooms of various sizes that could be easily converted to meet classroom needs. If we get the money, we could get the work completed by fall of 2019. NDC and BSU President Faith Hensrud was not available for comment. She did release a statement affirming that the proposal would fund much-need improvements at both institutions including the Hag Sauer Hall project. For other buildings, including the AC Clark Library would be significantly renovated to house the programs moving out of the Hag Sauer Hall. Northwest Technical College would receive $1.5 million for updated doors and locks and a new air handler. 360 for higher ed, 26 million of that is for BSU and NDC. So that's a pretty big chunk here in Bemidji. Since this is just in the proposal stage, no construction plans have been immediately put forward. In Bemidji, I'm Mal Meyer, Lakeland News. And other area projects in the bill include renovations to Itasca State Park, Red Lake Schools facility projects, a Mississippi River Pedestrian Bridge and Grand Rapids, and a fish hatchery in Brainerd. If you've enjoyed this segment of Lakeland News, please consider making a tax-deductible contribution to Lakeland Public Television.


Hi everyone, Joe for jaspyscasebreaks.com coming at you with 2019-2020 Panini Mosaic Basketball Sello Pack Break number 62, with a chance to win 10 spots in that noir basketball that's on the site right now. It's pretty cool. You can get a noir spot for a fraction of the price. Big thanks to these folks right here for getting into the action. So as always, we're going to do the pack break first, doing a little remodeling so you can hear some construction noise in the background. All right, and we'll re-randomize these names at the end for the giveaway, but again, break first. Let's roll it, randomize it five and four, nine times for each list, one, two. So after nine, we've got Patrick down to Robert, nine times for the teams, and ninth and final time. Trailblazer's down to the Warriors in this quick little pack break. All right, so there you go. There's the first half of the list. There's the second half of the list. Josh, Palakins, Kevin, Grizzlies, in a Sello Pack Break, you never know. You never know. We have been known to pull some surprises out of these Sello Packs before. All right, so no trade window, let's print, let's rip. We have the pink camo parallel pack right there, too. All right, so there's the list right there, NBA debut, Deandre Hunter. Will to win Anthony Davis and a Carson Edwards rookie. And we'll see what's in this pink camo, this is exclusive to this blaster set. There's Danny Green for my Lakers, Furcon, and Brandon Clark, NBA debut, pink camo. Goes to Kevin and the Grizz. Got a bit of value here. All right, we're going to see some basketball, live basketball soon. Oops, so. Wheels are in motion. All right, we've got New Dice, a blank list. Let's grab all your names from Stephen and down to Josh. And it's going to be the top 10. That's nice. Top 10 after Ramdauer checks my browser. It's good. It's good. There you go. After eight, one, two, three, four, five, six, seven, and eighth and final time. Big thanks to everyone here for getting into the action. I really appreciate it. I think there's another opportunity to get into the noir break if you want to try again. All right, and congrats to the top 10. Josh, Stephen, Josh, Roger, Stephen, Patrick, Josh, Blake, Rob, and Andrew. There you go. Congrats to the top 10 right there. You're in the noir break. I'm Joe for jaskyscasebrakes.com. We'll break that with you next time. Bye-bye.


Bwrth gtwoffsgol o gael iawn, mae gennym ni'n gweithio i ddeallurau amddangosol a ddegwyd drwsgol a'r regin i gyllud eich ddweud ar y Prifysgol Llywodraeth. Mae gennym ni'n gweithio i ddegwyd drwsgol i ddegwyd ar y Prifysgol i ddegwyd drwsgol a'r Le Wir, Feidl Llywodraeth Cymru. Mae gennym ni'n gweithio i ddegwyd drwsgol i gweithio i ddegwyd drwsgol i ddegwyd drwsgol ac mae'n gweithio i ddegwyd drwsgol i'r brwyng, maen nhw, Monica Lennon, to the committee. She attended last week as a substitute and has now been appointed to full member of the committee, so I welcome her to her first meeting in that capacity. Welcome, Monica. Going straight to the agenda item, one is the consolidation of instruments subject to affirmative procedure. The first three instruments that we have before us today are part of a package of instruments on the First Tier Tribunal for Scotland. I wish to bring to the committee's attention that these draft regulations were initially laid on 19 August, but were withdrawn and relayed on 8 September to address drafting errors identified by our legal advisers. The frequency with which instruments were withdrawn, particularly in the latter part of the last session, was of considerable concern to our predecessor committee. I hope that this situation is an isolated incident and it is not reflective of a continuation of a trend from last session. It is simply not satisfactory for instruments laid before the Parliament to be in such a poor condition that they require to be withdrawn. There are now no points to raise on these instruments, which are the draft First Tier Tribunal for Scotland transfer of functions of the homeowner housing panel regulations 2016, the draft First Tier Tribunal for Scotland transfer of functions of the private rented housing panel regulations 2016, the draft First Tier Tribunal for Scotland transfer of functions of the private rented housing committees regulations 2016. Also, no points have been raised by our legal advisers on the remaining affirmative instruments relating to tribunals on our agenda. Those instruments are the draft First Tier Tribunal for Scotland housing and property chamber at Upper Tribunal for Scotland composition regulations 2016, the draft tribunal's offences in relation to proceedings and regulations 2016, the draft First Tier Tribunal for Scotland chambers regulations 2016 and the draft First Tier Tribunal for Scotland transfer of functions of the homeowner housing committees regulations 2016. Furthermore, no points have been raised by our legal advisers on the following instruments. The draft prohibited procedures on protected animals exemptions Scotland amendment regulations 2016, the draft council tax substitution of proportion Scotland order 2016, the draft climate change annual targets Scotland order 2016 and the draft climate change limit on use of carbon units Scotland order 2016. Is the committee content with these instruments? Thank you. Now move to agenda item 2, which is consideration of instruments subject to negative procedure. The first instrument is the Scottish Tribunal's time limits regulations 2016 SSI 2016-231. There is a discrepancy between the provision in regulation 2.4 of the regulations and the provision in rule 29.3 of the upper tribunal for Scotland rules of procedure as contained in the schedule to the upper tribunal rules of procedure regulations 2016 SSI 2016-232. Rule 29.3 of the upper tribunal rules applies where the upper tribunal gives its decision orally at a hearing and does not provide written reasons for its decision. The rule provides that parties seeking written reasons must request those reasons within 14 days of the oral decision. It does not require the request for written reasons to be in writing. Regulation 2.4 of the regulations provides that where a decision of the upper tribunal is given orally at a hearing and a party requests written reasons in writing within 14 days, the relevant date from which the 30-day period for permission to appeal begins to run, is the date on which written reasons were sent. Where written reasons are requested within 14 days but are not so requested in writing, the relevant date is the date of the oral hearing. The Scottish Government's response acknowledges that there is an anomaly between the two sets of provisions in that the upper tribunal rules do not require a request for reasons to be made in writing. The Scottish Government proposes to amend rule 29.3 of the upper tribunal rules by amending regulations to come into force on 1 December 2016 to require requests for written reasons to be in writing. The committee notes the Scottish Government's intention to amend that rule and welcomes that. Does the committee wish to draw the instrument to the Parliament's attention under the general reporting ground? Many thanks. Separately, the committee may wish to note that the interaction between provision in the regulations on the time limit for permission to appeal a first-tier tribunal decision and the period required for any review of that decision will not be cleared until the Scottish Government brings forward rules or procedure for the first-tier tribunal. The committee does not draw that matter to the Parliament's attention in terms of its reporting grounds. However, does the committee wish to indicate to laying authorities that where two instruments cross-refer to one another or otherwise make provision which is dependent on provision to be made in another instrument, it would be extremely helpful to the committee if both instruments could be laid before Parliament at the same time or otherwise made available to the committee? Do we agree to that? The next instrument in our agenda is Council Tax Scotland Amendment No. 2, regulations 2016-253. Our legal advisers consider that the regulations raise a devolution issue as they may relate to matters which are reserved by section F1 of part 2 of schedule 5 to the Scotland Act 1998. The regulations raise a devolution issue for the same reasons as were set out in the legal advisers recommendations on the Council Tax Reduction Scotland Regulations 2012, SSI 2012-303 and the Council Tax Reduction State Pension Credit, Scotland Regulations 2012, SSI 2012-319. It appears to our legal advisers that the regulations further the implementation of the schemes established by the Council Tax Reduction Scotland Regulations 2012 and the Council Tax Reduction State Pension Credit, Scotland Regulations 2012. In particular, that is done in two ways. Firstly, there is an uprating of an amount of child allowance that is used in those principal regulations in the calculation of Council Tax Reduction, which a claimant is entitled to receive. Secondly, further provision for reduction is made in respect of households living in higher-band houses but with a weekly net income below a specified level where the council tax rate for a property is within the tax bands E to H. Those amendments are consistent with the original purpose of the principal regulations. It is recognised that the Scottish Government takes a contrary view. Do members have any comments? In terms of the Scottish Government's position, I would assume that the Scottish Government will have had legal advice to allow them to come to the contrary view that the committee advisers actually have. Yes. I dare say that we have our legal advisers too, and it is not undoing for the Scottish Government legal advice to differ from the legal advice given to this committee. That is one such example. I have to say that it has very often been the case, I think, that it is recorded in our statistics that, in well, something like 75 per cent of the time, the Scottish Government has actually accepted the advice of the legal advisers to this committee, but in this case they have chosen not to. Also, convener, in terms of what you had to say, this is not the first time that this situation has arisen, or in this particular set of regulations either? No. There has been a division in the committee since the regulations were first introduced in either 2012 or 2013. I cannot remember which, but you are absolutely right in what you say. Anyone else get anything that they want to say at this point? So, the question is then, does the committee wish to draw the regulations to the attention of Parliament on reporting grounds F on the basis that they raise a devolution issue? No. Right. In that case, I will put a motion to the committee, and thereafter I would invite you to vote on that motion, as we are not agreed. The proposition is that the committee considers that the regulations raise a devolution issue and should be drawn to the regulations of the Parliament on that basis, are we agreed? Those in favour of that proposition, please raise their hands. Those against? Thank you very much. So, on that basis, the proposition is agreed to, and we will therefore draw the regulations to the attention of the Parliament on reporting grounds F. Thank you very much. Moving on to the next instruments on our agenda, no points have been raised by our legal advisers on upper tribunal for Scotland rules of procedure regulations 2016, SSI 2016 slash 232, the road traffic permitted parking area and special parking area at Highland Council designation order 2016, SSI 2016 slash 245, parking attendance, wearing of uniforms, Highland Council parking unit regulations 2016, SSI 2016 slash 246, the road traffic parking adjudicators, Highland Council regulations 2016, SSI 2016 slash 247 and the Scottish Fire and Rescue Service framework order 2016, SSI 2016 slash 249, further, the water instrument shelfish water protected areas designation Scotland order 2016, SSI 2016, 251. Is the committee content with these instruments? Agenda item 3 is the consideration of instruments not subject to any parliamentary procedure and no points have been raised by our legal advisers on the following instruments, which is the act of CDERN registration appeal court 2016, SSI 2016 slash 241, or on the act of CDERN rules of the court of session 1994 and share of court rules amendment number 3, miscellaneous 2016, SSI 2016 slash 242, or on the act of CDERN fitness assessment tribunal rules 2016, SSI 2016 slash 244, or the land reform Scotland act 2016, commencement number 2 and transitory provisions regulations 2016, SSI 2016 slash 250, C21 clothes brackets. Is the committee content with these instruments? Thank you very much. I'm glad that you are content. That concludes the committee's business for today. I now close this meeting. Thank you all for your attendance.


YouTube team keep it clean. What's going on? Welcome to another episode of NFL questions from subs Well, you can ask me any question and we answered in a video just like this If you want to be part of it You can send me an email to team keep it clean at gmail.com or for the team keep it clean patrons You can send it directly on patreon team keep it clean. I love y'all. It's already well as of the recording of this video It's already February 10 this month is it's going by fast man, but anyway, we got some great questions that we've been Hoping for a chance to get to for a really long time now. Let's do it first question came from Samantha She said a engraving first off. Let me start by saying I love your show. Hey, appreciate that I said my kids practically know your theme song And my husband hums it around the house when he thinks I'm not paying attention Hey, it's other we appreciate it. Thank you. She said I thought of a crazy idea and want to know what you think about it I love to see Eric be an enemy come to Baltimore in some way as I think he could take our offense to the next level with Harbaugh's contract ending after next season. Well They did say that he agreed Jameson Hensley when it was Harbaugh's oppressive. He did say that Harbaugh they agreed to a four-year contract extension with him. So it's looking like Yeah, it's a four-year contract extension now again That doesn't necessarily mean that all our Harbaugh safe for sure But to me, I think he's probably safe for sure, but let's see how things go But anyway, she said do you think the cost to a bring in be enemy as an offensive coordinator this year with the expectation of moving him into The head coach position position next year He seems to be getting passed over for head coaching jobs over the past few seasons So maybe this would be a good opportunity for him to learn the organization first before taking in reigns completely Hope this email finds you well and hope you and your family continue to have a blessed 2022 Appreciate it. Um, you know what's funny? She sent this email on January 22nd I'm recording this on February 10th But just like two days ago it came out that Eric B enemies contract with the Kansas City chiefs is expiring So he could either he could stay with the Kansas City chiefs Obviously he could re-up with them or he could move on somewhere else and if he got hired somewhere else Even as an offensive coordinator He could do that because he's a free agent. He's a free agent. So he could go where he wants to so now and when I first saw that I just thought about it. I was like, oh But I just know it's it's not gonna happen But I would I would be down for your idea, but I just Ravens just they they're not gonna do it Next question came from my boy Chris. He said a engraving hope all as well with you and the fam I'm leaving you an article I read and heard from Fox Sports radio host Doug Gottlieb. Oh, I remember him. I Hear he ain't he's not a big fan of Lamar Jackson definitely I forgot he says something like crazy like a year or two ago. I forgot what it was But it was something like whoa, but anyway, he said I just wanted to get your opinion on the statement about why the Ravens should Move on from Lamar Jackson. I'll be blessed and be safe. He said I want you to think this is from Doug Gottlieb He said I want you to think about this for a second We're told there are a couple of reasons why the Niners are going to move on from Jimmy Garoppolo at the end of this year And what are those reasons? He's never healthy and always missing time He has this ability to turn the football over at inopportune times and there seems to be a ceiling Maybe it's the Super Bowl and maybe it's the NFC championship where he didn't actually have to throw the football The Niners are like he can only get us to a point where we can't break that point now Let's take Lamar Jackson Lamar has been better than most than what most anyone would have thought coming out Lamar Jackson last year had a comfort behind winning the playoffs Which was something he had not yet done, but there does appear to be a ceiling for how far he can take you We heard last year. You got to get him more weapons Then this past offseason they went out and got a talented wide receiver who's often hurt and Sammy Watkins They are they also drafted in the first round of why receiving Rashad Bateman And they have another first-round wide receiver in Hollywood Brown in terms of weaponry Mark Andrews is a tremendous pass catching tight And Bateman is a free talent Brown can take the top off of a defense and Watkins Although he wasn't what he was built to coming out as a top-ten pick that dude is a big target with good hands And the guy if he's your third best option, you're pretty good I think Baker's done in Cleveland and I thought the biggest question in the future contracts was going to be with Baker Mayfield But what about Lamar Jackson? He's had better supporting talent on offense than he's ever had Less the running backs. I'll grant you that now the division Pittsburgh is not as good as they've been Cleveland is not particularly good and although Cincinnati is good and they smash ball to more twice in terms of the ASE North It's usually a much better division of what it is this year. This is his worst year throwing the football He's throwing the most interceptions yet.  He's had covert twice, but he's also been hurt twice There seems to be some sort of ceiling with Lamar at least to this point in the playoffs There's some Garoppolo to it Garoppolo went to Super Bowl This cat did not and Garoppolo had a very good defense that year and the Ravens have had a great defense in years past as much as Lamar Has been champion for not having an agent his mom is his agent. That's not always a good thing I wonder what the Ravens future with Lamar Jackson looks like John Harbaugh in the front office by their word seemed to be completely In but wouldn't this be doubling down on a guy who although a complete freak talent and the guy who is by all accounts The lead of their franchise isn't he hurt plus running quarterbacks get hurt more often and eventually they lose that step And now they get hit more often and oh, yeah By the way, you've used all your resources to put a great offense around them and you haven't gotten better output Isn't there that same ceiling that sits there for Jimmy G What the Ravens do with this offseason with Lamar's contract is as interesting as what the Packers do with and Rogers and more interesting Than what the Browns do with Baker Mayfield. All right, so That was a lot what I got from that was that um He said that the Ravens people said Lamar needed more weapons the Ravens went out and got a more weapons And these are the best weapons that Lamar's had in his career And I would agree with that Hollywood Rashad Bateman, you know, he missed the first like five six games Sammy Watkins Though he missed the the next five six games after a shot Bateman came back Hollywood Mark Andrews But the running backs weren't there the running backs not being there were a big part of the offense again People they they give the coaching staff They give the coaching staff credit in a pass when it comes to injuries But when they talk about Lamar Jackson, they don't give him the they don't give him the credit or pass when it comes to injuries It's always different. It's always there and you can always tell Now with the weapons, right? Oh, yeah, the weapons were there. They were there But the offensive line, it wasn't it wasn't Ronnie Stanley injured Tyree Phillips injured Ben Cleveland injured Both believe we got injured for a tiny tiny bit not too too long though Patrick McCarrie injured Offensive line was just beat up They were beat up and when they were out there, they were pretty bad There were a lot of times when Lamar Jackson didn't help the offensive line He would hold on to the ball too long There'd be sometimes when guys would would be open, but he wouldn't get it to him. So it's I See what he's saying, but at the same time, I don't see what he's saying because I don't think he's looking at it Looking at it in super detail. He's looking at it for Sort of face value. He sees he sees everything from afar sort of and he's looking from afar and looking at the numbers Oh, yeah, Lamar through the most interceptions. Hey, look Ravens. They drafted Rashad baby in the first round Hollywood first round Sammy walking former first-round receiver Mark Andrews. He was drafted in what the third round But he's like a first round tight end first round talent for sure So yeah, the weapons were there But then if you look closely and really examine what happened, you're like, oh, yeah What what he's saying it just it don't make that much sense next question came from my guy Kingston He said hey, hope you and the team are doing well I've got a question about if you think we should be aggressive or passive going into the offseason There won't be a lot of cap space unless we sign Lamar and that will determine if we are aggressive or passive So my question is do you think we should go passive or aggressive and try to build a super team like the Rams? I think we should try to build an offensive juggernaut to try to win a Super Bowl and give the city another ring But that's me. What do you think? Oh, I would love for them to be aggressive. I would love it. Love it I know a lot of people have a problem with the Ram style Oh, they gave up now and I would never expect the Ravens to give up all them first round draft picks Ravens would never But I would not mind them being a lot more aggressive. I wouldn't mind that at all I would not be mad if they started making all these trades and really trying to build a super team like that You think I'm gonna be mad at? No, not at all, man And the Rams they they have showed like hey, we're all in now Something with the Rams that I actually literally saw today on February 10th is that while they've had this all-in approach They've been very very healthy for the most part. They've lost a guy or two here there But overall they have been an extremely healthy team So that helps Helps a lot because you if you're going all in on these different guys and these different players and they not staying healthy Oh, then it didn't just it backfires But if you're going all in and they are staying healthy, then that's a good look So with Ravens, yeah, I wouldn't mind an aggressive approach I will be with it all day, but I just I don't see them really doing it now for Ravens, hopefully They can find a balance like right in the middle to where they're not just they're not passive like oh whoa That guy's a nice free agent. He would be great for our team, but Let's wait till his price comes down And could you know that that's that's Ravens a lot. They say they say right player right price But I think it's more like right player their price because they could be some right players out there But Ravens like yeah, we ain't about to pay all that bread for no outside guy Normally Earl Thomas was an outlier because they they don't never do stuff like that And then with the whole Earl Thomas when they they saw it they just felt it wasn't working out as good as it should have Then they were like, all right, you know what? Yeah, let's get out of this one and Yeah, that's been that now they do resign their own They'll they'll resign their own guys that they drafted a lot of times But as far as outside guys coming in and getting big con it just doesn't really happen like that It's for outside free agents and stuff like that So but I I hope they can find somewhere like again a happy medium The question came from my god Dylan He said I ain't raving the team keeping cleaning her balls as well I was going to email straight after the last game But it took me some time to dwell on the last season as a whole and just so as to see a couple of playoff games So two to three points here to get some light Far on for the Ravens as a whole number one. We need Lamar more than needs us For those saying to not pay Lamar we are all unique in our perspectives and thoughts for the best of the team It's what makes us fans But look at the Jets Broncos Giants Panthers Texans These are all teams and fan bases and positions who would do so much to have a talent on their team like Lamar Whatever your opinion of Lamar is that's fine But no matter the circumstances we hardly get blown out and with Lamar it always feels like we have a chance even with injuries Very true and without him Almost seemed like there was no chance But anyway number two said I've heard talk about us picking up the Georgia defensive tackle with pick 14 from the outset Seems reasonable in his frame and play will suit Baltimore Ravens football. However, and this may seem like a shot I don't want to waste pick 14 on a defensive tackle who plays in a defensive scheme Where wink would have been using his fabricated pressure if we have a scheme where we can change Change to and use a four-man front and allow the likes of Queen behind a defensive line to read and react Something he was doing a fantastic job of in the later end of the season Making contact with ball carries behind a line of scrimmage and away being able to rush from the edge consistently and not drop back Then I'm fine with it and looks like you may get exactly what you wanted He said if we are picking defensive first and for me if wink still would have been a defensive coordinator That would have determined our pick since he isn't Pick the defensive tackle previously mentioned if he's available if wink would have still been our defensive coordinator We should we should trade up to the top 10 and get Kyle Hamilton the safety having a traditional free safety Something that we do not have on our roster Really alongside a returning and hopefully healthy markets Peters would make the back end of our defense much better and hopefully create some more Turnovers and this could be said with McDonald as well. I mean Even though it's not wink anymore in this McDonald. We still don't have a free safety We don't so still something to think about He said back in wink scheme. The secondary was so much more important than a defensive front And for me personally it would get annoying watching these all-out blitzes on every drive Hopefully this wasn't too long in the end, but I spent some time since the end of the season thinking about it And then and you got What you wanted well, hopefully we'll see how Mike McDonald does as a defensive coordinator, but Sounds like it seems like From what he did over at Michigan that Ravens might be on the right track next question came from my guy Sebastian He said considering that Tyron Matthew doesn't sign with the Ravens Do you think we should try for Xavier and Howard again then move markets Peters to safety and use him like every no no no no Not at all markets Peters should not be a safety at all reason being because he's a corner and he's not a corner that's slowing down He's not a corner that can't keep up anymore He's a corner that's still playing good So you need to keep him at corner that is too early for that safety transition if it even happens But anyway, he said as far as offensive coordinator if they would have moved on from Greg Roman or if they would move on from Greg Roman Do you think we need someone like Shanahan Lamar killing the Shanahan type offense? And I personally want to see do when they approach a be used like Deebo Samuel I don't think they'll move on from Roman though, but hey a man can dream Hope you and your family are good Ravens fan from the Philippines. Oh shout out to Manila he Shout out to do Vinay see with do Vinay He don't even got to be used like Deebo Samuel.  No more no more Deebo Samuel do Vinay comparison. I did a lot myself, but no, it's Percy Harvan He should be used like that next questions came from Java He said I know we need to get younger on the defensive line and I agree I read comments from fans who want to get rid of Brandon Williams in which I disagree I don't think Ravens fans realize the impact. He really has on our line. What are your thoughts? No, I think they should move on from Brandon Williams If they bring him back then because the biggest thing is not even Brandon Williams. His impact is his salary versus impact A lot of fans feel like Brandon Williams is just not worth the high priced amount that he has been So that that's that's the biggest thing I think we're Ravens fans But as far as Brandon Williams, I think the Ravens themselves just want to get more athletic up front And they don't want somebody who's only a run stuffer and that's it They're gonna want somebody who's can be a run stuffer, but who can also provide interior pressure That's not Brandon Williams game and not saying that that's a bad thing, but that's just not part of his game That's not why they even brought him in in the first place So I think that they would still move on from him Now he also asks who has a higher ceiling between Malik Harrison and Patrick Queen Well on the Ravens, I would say Patrick Queen because he's the one that is used a million times more Then Malik Harrison. We haven't really gotten to see much of Malik Harrison On the Ravens. So there's a lot of unknowns there. It's not known how quick he could pick up the defense It's not known what his abilities are and the NFL like that because he just simply hasn't been out there like that Now, uh, he is Patrick Queen obviously got the speed. He is a great blitzer Um, but the tackling Malik Harrison got him with tackling by far with physicality Malik Harrison Got him by far as well. Malik Harrison ain't slow now I don't think he's Patrick Queen fast, but he ain't slow So if I had to choose like based off of what we have seen Um, oh probably right now Um, I would say Malik Harrison because because the physicality is already there I think it's very hard to um to teach physicality. It's very hard to teach that like somebody doesn't just wake up one day and say Oh, yeah, I'm about to get rough today. I'm about to be real physical today Like I feel like that's something you got to have it and I'm saying that there's something that you can't learn But since Malik Harrison has it and he's a linebacker like he got that already So if he had an opportunity like Patrick Queen had an opportunity I think he could do a phenomenal job, but I don't really think he's gonna get that opportunity He also said would you rather sign jc jackson or gilmore and free agency? Uh jc jackson all day.  He's obviously one of the best play callers in the league but teams are overlooking him Could it be a race thing or is he waiting on the right time right team? I don't know what I don't know what it is That's a really great question. I I have no clue It could be that teams are overlooking him. It could be like you said He may be waiting for the right opportunity because just because there's an opportunity there It doesn't mean that it's a good opportunity. It doesn't mean that it's a good fit It doesn't mean that it's it's one that you should absolutely take Uh, but I I don't know what it is with eric b enemy. So I I wish I had the answer to that Um, he also asks I don't know if this question was asked or not But what must the ravens do to keep up with the rest of the powerhouse teams in the afc Chiefs bills and even the bingles are going to get better and can easily put up 50 on you. There you go You answered your own question They got to be able to put up points They have to be able to score points not field goal points not just field goal But touchdowns they got to be able to get into the end zone much better Um, and then the last thing he asks is do you think hollywood would resign with with us because of lemar Or do you think that he would leave? He's a player that nobody is talking about whose contract is also almost expired Now eric the constant did say that he's going to pick up the fifth year option But actions speak louder than words. So we're going to see how that goes down. But as far as hollywood, um I uh I think if lemar's there then yeah, he he wouldn't mind staying if if lemar left Um, then I think hollywood would be like And even sometimes I think hollywood might be thinking about it. That's a big decision. Um, obviously he loves the ravens and stuff and loves playing with lemar But he's still got to do business for himself And if he felt like the ravens were the best move for him, okay, cool If he felt like he could do better elsewhere, okay, then he would have to do that Um, but them if they pick up the fifth year option, uh, that gives them some more time that gives him some more time And what they also could do too, uh, is they could try to resign him early Like they could be like, uh, no no fifth year option But let's resign you to a deal that we would like uh under our terms So we'll see what happens with hollywood soon next question came from crystal She said good morning. Since I heard about this whole brian florist thing, which I know was a long time coming Do you think there will be a black head coach for the ravens when john is going? I don't know. I think it's like it's Hard to think about that because Who would be next in line? Usually for enough teams It's the coordinators who are next in line when it comes to a head coaching job If the current head coach is fired, it's either the coordinators or somebody or an outside hire Um, so and and it all depends too like if the head coach retires Then it will usually lean more towards One of the coordinators because teams would like to have that Continuity and that consistency when it comes to their coaching stuff like that And right now the coordinator is a greg roman and mike mcdonald um, so I It's it's it's that's such a hard question to ask because it's just We don't know right now We don't we don't know like what would be next in line So much would depend on how john harbaugh left Uh, when and if that time comes like if he retired or if he was fired because I think if he retires then they be like Okay, we stick with they could stick from within but if he got fired then I think they might look for somebody on the outside Next question came from my boy rico. He said ain't great. What's going on? Peace and love to you and the family much success on your channel. Appreciate it rico I was thinking the what if Thought uh, what if the ravens? Oh, you mean what if? Uh, so he said what if the ravens go after michael thomas? Uh in the trade and they trade for him for boykins or any other wide receiver that we are not using I mean Saints could do that since they got some work to do with their cap Watch they end up keeping everybody like they always do because they always got work to do with their cap. But anyway, um I just I wouldn't see them trading receiver for receiver I just I wouldn't see that but hopefully michael thomas is healthy But I wouldn't be mad if they got michael thomas too. So they had michael thomas hollywood and rishad bateman So hollyway, you got your deep threat. Uh, michael thomas. You got your short yardage guy and then rishad bateman You got your intermediate medium That'd be nice and then he got mark andrews and I wouldn't be mad at that And then he said and or the ravens switched marcus peters position to safety since he has an eye for reading cordivate No, no no marcus peters to safety. No And he said and put kasey hayward in his spot That's only if elliott doesn't go which probably won't happen. These are just thoughts. So tell me what you think No marcus peters to safety. No, not at all. Um, he is not a safety. He's a corner Like let let that man start falling over before we keep trying to switch from the state


Human mind, because it wants to fix one thing, it invents too many things. Because one fundamental ingredient is missing, instead of getting to it, it tries to invent so many things. Various types of moralities, various ideas of virtue and sin, all these things have been invented by human mind. Just to fill that one slot, which has not been filled, that is to be in connection with the divine, which is throbbing within us. Because that one thing is missing, we are trying to make it up with so many things. What is virtue, what is sin? If you go about debating, I'm sure each individual have his own sense of what is virtue and what is sin. Of course, according to his convenience, you know? All this is just a circus that the mind is doing, simply because the conscious contact with that which is the basis of who you are has not been established. Because to cover that one lacking, we have invented so many things. On a Sunday morning, in a Sunday school, the Sunday school teacher was very enthusiastic and he wanted the little tiny thoughts were before him to get something that day. So he was talking about virtue and then he said, today as I was coming to the church, I saw two people beating up a donkey very badly. I went and saved this donkey from the beating. What virtue is that? So a little boy in the back row stood up and said, Brotherly love. So your ideas of virtue can always be twisted and turned in so many different ways from generation to generation. Ideas of morality, ideas of virtue and sin are twisting and turning, isn't it? Whichever way it's convenient for today, accordingly we'll twist it. And always there's a debate as to which is virtue and which is sin. From society to society, from generation to generation, from individual to individual. Within the house if there are four people, four people have four different standards of virtue, isn't it so? No? All this is just a cover-up job. To being moralistic means, to be in morality means you are in pretension of spirituality. What should have naturally occurred, you are trying to act it out. If you were a flower that blossomed, fragrance would naturally come.  You spray today, in an hour's time again it's gone. Morality is a big circus. With great difficulty people are being moral, isn't it? No? With great difficulty. And those of them who are successful in being moralistic, those of… those people who are one hundred percent correct in their morals, one thing that's happening with them is nobody wants to be around them. They don't mind being around somebody who is immoral, but they want somebody lively, isn't it? Totally moral and lifeless, nobody wants to be with them. Please see, the more an individual person thinks that he is a good person, I am good, I am good, I am good, nobody wants to be with him. Because this idea of what is morality, what is virtue, what is sin, is essentially coming in comparison with somebody else. How do I come to a conclusion that I am a good man? He is not okay. Yes? Not okay.  Compared to all these people, I am a good man. If I do not make any judgments about any of these people, then there is no basis for me to call myself a good man or a bad man. The more good you think you are, the more you will find nobody is okay. Have you noticed this? People who think they are very good in their eyes, nobody is okay. If nobody is okay, it's not a question of virtue, it is a question of madness. The first sign of psychological disorder is you start thinking nobody is okay. Do you notice? Even medically, the first sign of psychological disorder is you start thinking nobody is okay. Some American author said this, I forget his name.  You also seem to be little queer. So nobody is okay except you. If nobody is okay, it is a clear case of madness. It is not a question of morality or virtue. So virtue is not about practicing a certain morality. The greatest virtue is that you are in tune with life. You have become life. Am I not life? No. You become too much mind. You become too much emotion.  And when I say you become too much mind, the content of your mind is not content of yours.  Just a whole crowd of people sitting inside and doing crazy things. Yes? When such a crowd of people are there, there is no question of consciousness. A crowd cannot be conscious. Only an individual human being can be conscious. If you carry a crowd of people in your head, the chances of you being conscious are super remote. So the whole process, the spiritual process is about shifting from being a mental activity to being a life process.  Let's decide this. Huh?   A very enthusiastic biology teacher saw a very unenthusiastic classroom full of children. So he wanted to do something. So he went, stood on his head in the class on top of the table and he stood there like this on top of his head and children got interested and they were all looking. Then he said, staying on his head, can you see my face is getting all red? They said, yes. Then he got off and then he said, see when I stand on my head, my all the blood moves into my head region and my face gets red. But when I stand on my feet, it does not happen, why? My one little boy stood up and said, because feet ain't empty. If you perceive things wrongly upside down, you can be in deep trouble. I want you to understand life can get poisoned simply because you have a wrong thought or a wrong emotion or a wrong idea or a wrong philosophy for yourself. So how do you know a particular thought is wrong or right? How do you know a particular philosophy is wrong or right? You do not know. The only way to find out whether something is poisonous enough or not is to drink it and see after that we will know, you will not know. Yes, we will know it works, you will not know. So what works and what doesn't work, if you find out like this, it's going to be very expensive. The best thing is to allow the intelligence of the life to function. Not taking input from too many people and too many things.  What do you think? Is it a complete life? Is it a complete life? Yes. Yes.  They think they have to fix you. The moment a child is born, everybody is trying to tell him what is good and what is bad because somewhere they believe essentially all children are born bad or they believe creator has made a mistake and they are going to fix it. You think creator has made a mistake with you? You think creator has made a mistake with you and you need to fix it? No. You just have to become the way he intended, that's all. If you allow this life to function just the way he intended, everything is fine with this.  Just to throb here as life, oh is it enough if I'm just here as life, I may become immoral, I may kill this person, I may rob this person, I may how do harm to this person.  The moment you get hungry you may pounce on the person next to you and start eating him or her. Possible.  If you sit here just as a mind it is very much possible depending upon what kind of content you have taken into your mind, accordingly you may do so many things. But if you sit here and reverberate as just life, the question of harming another life will never occur to you. Nobody has to tell you do not harm, do not do this, do not do that. Only if you are here as a body or as a mind then somebody has to tell you don't pounce on somebody. If you are here as a piece of life, if you throb as life you will see you will not need any morality, you will not need any teaching, you will not any need or just input into you, input into you.  What this life has to do you will anyway do. What it should not do you will anyway not do and if you reverberate as a piece of life you will clearly know that your life is not individual. It is connected with everything in the universe. There is no way you can miss that point.  If your involvement is with the life process, not with the physical process, not with the psychological process. If you are not identified too much with the physical process and the psychological process, if you are simply sitting here as a life process you cannot miss the point that there are no borders for your life process. It is happening from everywhere.


Good day, fellow investors. Investing in small caps is tricky. There is a lot of volatility, some go down 90%, but if you get the right one, it can make the difference when it comes to your investing life cycle. A good small cap bought at the right time, the right time in history, it makes a huge difference to your portfolio. So in this video, I really want to explain investing in small caps, what are small caps, the definition, their behavior, the risks, the rewards, the small caps index funds and what I see there as a fallacy. And then the best strategy on how to invest in small caps that I have shared and I concur with Peter Lynch, one up on Wall Street, chapter six, he discusses how you can find 10 baggers within small caps, within your circle of competence around your home. So let's start with the video if you prefer reading, this is also a part of my free investment course, the link is in the description below and you can find the full article report in the course. So feel free to enroll in the course, each time there is a new video there, you get an email and then you know, okay, this is where I learn about investing and today we learn about small caps. Before starting, another link in the description below I have recently analyzed the complete small cap sector in the United Kingdom. So the FTSE 250 small cap sector that has stocks from the 316 to the 649 market capitalization level in the United Kingdom. And I have gone through the whole list, the whole 300 securities there and I have looked at interesting investments. You can read that also in a report, no point in doing a video on my notes there who is interested, link in the description below. And I have summarized it to 16 stocks and of those 16 I have analyzed one in that, that was interesting, kind of interesting. And that gave me the idea, okay, let's make a video about how to invest in small caps, what to look for and how to analyze them and what to be very careful when it comes to small caps. So let's start with that, the analysis, the definition and don't forget to read all the reports if you want to dig deeper into this matter. It will give you a great perspective on what's going on in the, let's say sector. So small caps stocks definition, those are defined with a market capitalization between 300 million and 2 billion. Usually it was with a market capitalization between 100 million and 1 billion. However, as the market is growing, also the definition of a small cap is growing and some index funds have market capitalization of 4 billion stocks with market capitalizations of 4 billion considered as small caps. In the future in the next 20 years, there will probably be a small cap up to 10 billion. That's how the market grows and evolves. Apart from the market capitalization, when you look at the small cap environment, you can find anything there. The recent IPO that just got a funding and therefore has a high market capitalization that includes it into an index. Then you have small niche companies or small geographical market companies that simply don't have the scale, the revenue, the ability to grow, but have a little mode in their own environment. Then you have crazy companies that do who knows what they change business models every Friday, but they are still there because a lot of money has been invested in the promises. And the more exuberant the market is, the more you have such promises in the sector. So it is a crazy environment. And the thing is it's really hard to get to the right small cap that makes a difference. Therefore, people tend to invest in small caps index funds or ETFs, but you have to see what is best for you. Let me give you a few examples about small caps investing rewards and risks. If we take a look at Walmart, adjusted for stock splits, the stock went from seven cents to the current $120 in 50 years. 1,000 without even counting dividends would turn into almost 2 million. With dividends, it would probably be more than 10 million. Similarly, if you pick Starbucks at its IPO 25 years ago, you would have turned 1,000 into 178,000 not counting dividends. For example, if you bought Starbucks in 1992 at 44 cents, the current dividend per stock is $1.63. So four times your investment would be what you get just from the dividend. So that's crazy. What can happen if you invest in the right small cap at the right time? However, both Starbucks and Walmart have been also very volatile because of their untested business models when they started. Many failed to grasp that Walmart considered such a great investment long-term, et cetera. The small cap stock fell 75% from 1972 to 1974. And this perfectly explains the risks of investing in small caps. Starbucks also fell 75% in the 2009 crisis. This is simply amazing. Walmart went from 6 cents to 1.6 cents adjusted for splits in just two years. So it would have been a great investment for those that invested in 72, even better in 74, but you had to survive the 75% decline. Similarly, many small cap stocks that were promising a lot in the past fall down but don't rebound like Walmart. A few examples are tailored brands, lumber, liquidators, holdings, and Fiesta restaurant group that are among the most famous. AAPLC, an IPO in the UK that was a really famous IPO for road assistance also is an IPO that really, really went bad. So you have these companies that promise a lot but then it's always untested business models when it comes to small caps. And then my footsie small cap index research show that out of five stocks, four do really, really bad and one does okay or one does great over one cycle. Of that one from five that does great over one cycle, over two cycles, you can again have the same game one out of five does really well. And so you can say if you invest in small caps randomly, nine will lose your money and one will do probably really good. It might be a 10 bagger and even more but that's the risk of investing in small caps and also something that explains their behavior because of the untested business models. Now, if you want to eliminate risk you can always be diversified and invest in an index fund, the small cap index fund or ETF. However, there are two big fallacies that I see there. When I looked at the footsie 250 small cap index, a lot of stocks there were not stocks at all were funds, trust, holdings that charge from the assets they manage they charge a high, high fee. So you invest in something you think, okay there is also a high fee for small caps and then on top of it, there is a hidden fee that these trusts charge on top of the fee you're already paying. So it's, they find funds, they list their fund the closed end fund and just thanks to the market capitalization, they are in the index fund and if you buy the index fund, if you buy the ETF then you are buying their funds and you're practically financing those that make money just out of financial schemes like those investing in the Asia funds or investing in this, investing in old stocks or something like that. If you look at the top list of the footsie 250 small cap you can see that it starts mostly with trusts and funds that all charge a big fee for their existence. If there is added value, I'm not going into that. Then the second thing is if you look at small caps, only a few of them succeed but if you hold an index fund when the small cap passes a certain market capitalization the index fund sells it. The S&P 600 small cap index sells about four billion market capitalization. So if you look at the stock like Amazon then it was a small cap at the beginning in 1997 but it already become a mid cap at 1999. So the index fund would have bought Amazon and then it would have sold it after just a year after a stock price went a bit higher and you would have missed on the next 25 years of its amazing performance. So if you want to hold a small cap basket or index it's practically better that you pick 20, 30, 50 small caps by yourself. The initial fee when you buy might be higher but then you can let it run forever for the next 20, 50 years if you find the right one and if you find the right one stick to it. Don't sell it like many have sold Amazon. However, there is one investment strategy that I agree with Peter Lynch that could be very, very interesting when it comes to small caps and that the strategy that I have applied in the past. It is to focus on what's going around what's going on around your home. You have a life and perhaps you will get one or two ideas per year but you will see, okay that restaurant is doing really, really good and people are loving it. Let me see if there is a stock. Oh, I'm going to this airport and now I'm going to the other airport because the airport is growing. Will there be a stock for that airport? Can be, I don't know, restaurant, coffee shop, shoe brand, whatever and then you can see, okay, this is interesting by just looking at what's going on in the market where you live, maybe you'll get an idea every two years, maybe you'll check that idea once every two years and maybe you will invest in just one of that free ideas that you get over six years but that one idea will give you an excellent advantage over others, over Wall Street because you will have first hand information, you will probably know some of the employees there, what's going on, it's your local area and you know your local area best. This allowed me to invest in 2010 in a little small cap that was a camping site. I saw the stock was going down but the business was still strong, the dividend was 8%, the company was growing at 15%, with huge growth plans, with extremely high returns on invested capital, that is usually the case when you own a camping site like this but the Norwegian fund didn't know what's going on, they were simply selling everything related to that little market where I found this small cap so the stock just went down, down and down and I just kept buying, it was a simple, easy five bagger for me. So follow small caps too and then when you find one that's in your sweet spot then you buy that.  The sector, the market is very volatile that it offers often great small caps at ridiculously low prices. Something that's also very important is timing your small cap investment. Everybody's talking about over performance or under performance relative to large caps but I think that's also a flawed investing approach. What I think is you simply have to look at the fundamentals, follow five, 10, 20 small caps that you understand, learn about them and then give yourself time. If it is the really right investment, whether you invested in Amazon in 1998, 2002, 2006, 2009, 2012, 2015, 2018, you would still have done really, really great. So time your investment in a way that you really take advantage of the long-term trend and of the market sentiment towards small caps because yes, they outperform significantly and sometimes they really underperform at other times. So as the market likes to paint a sector or an asset class with the same brush, it is the time, when it's painting it negative, it is the time to really look because fundamentals is what matters. So the conclusion is very simple. Whether you're investing in small caps, mid caps, large caps, yellow caps or I don't know, stocks in Russia, Brazil, United States, Germany or a gold miner, copper miner, shoe seller, a sock maker, I don't know. It all actually doesn't matter about the sector or the asset class, it matters. What matters is the investment, the management, the mode, the fundamentals, the margin of safety, the cash flow, the growth, the projections, the capability, the competitiveness, the pricing power and all those things that really matter when it comes to investing. So in this video, I wanted to give you an overview of this asset class and then tell you that doesn't really matter if you are a real investor.  But if you really want to learn about investing, then the message is and the reason for the video, don't be afraid to look at small caps. There are real gems there, but understand their behavior and give yourself time to really understand a business over the long term. If you want to learn more about how to invest in businesses, this is part of my free comprehensive stock market investing course. The link is in the description below. So feel free to enroll. There will be more videos about asset classes, accounting, how to analyze stocks, how to learn more about investing, about the correct investing mindset for reaching investment success in the long term. Thank you for watching. Looking forward to your comments. Subscribe also to the YouTube channel and I'll see you in the next video.


What do you think the population of India is like? Is it increasing every year or is it decreasing or is it just stuck somewhere in between neither going up nor down? Let's figure it out. Every population has males and females of different ages. Some of them are young, some are old and some are right in between them. Say we pick out some random numbers for these ages. Say that we have about hundred young people, then some 45 adults and some 13 elderly people. So if you now plot these numbers on a graph against their age groups, so that means the age group will lie on the y-axis and the numbers will lie on the x-axis. If you plot this then you will get something that looks like a pyramid, something like this. We call this an age pyramid. Age pyramid. Now we'll be talking about this age pyramid or it's also called a population pyramid. We'll be talking about this in a bit more detail in some time but it is this age or population pyramid that gives us the necessary information to predict the status of a population, especially the shape of the pyramid. It tells us whether a population is growing or shrinking or whether it's going to stay constant. It also tells us the rates at which people are being born or the rates at which the people are dying, then how long you can expect the members of the population to live and the rate at which the population, the entire population is changing. But how can the shape of anything possibly give us all of this information, possibly tell us so much? I looked up on the internet and found this age pyramid of Nigeria for the year 2020. What kind of shape do you think you see over here? I mean it looks like a pretty neat pyramid to me because we have a really broad base over here and then we have this tapering top right over here but what does it even mean to have a broad base or a tapering top? Okay so we already know which axis has what. The x-axis has all the individual numbers. In this case however these are in percentage and we'll get to this in just a minute why it's percentage and not whole numbers. The y-axis on the other hand has all the age groups going from young to old. There's one more thing going on in this graph and it is this divide right in the middle. Half of it is colored in blue and the remaining half is in pink. This denotes the males and females of the population and these are the percentages of sex ratios. The blue part talks about the percentage of males in the population and the pink part talks about the percentage of females in the population and the reason why we go ahead with percentage is that it makes it easier for us to interpret the data. Think about it. Is 8.4% easier or 17,377,486? Definitely 8.4% because the other number is almost like a phone number. Right at the bottom are the young ones who cannot reproduce or the pre-reproductive ages. Right in the middle there are the adults who can reproduce so they make up the reproductive ages and from ages 45 and up they become the post-reproductive group which involves all of the elderly people or the older people, the grandparents of the population you can say. Now let's go back to our original question. What does a broader base mean? At the base or at the bottom we have the young ones who cannot reproduce so a broader base indicates a large number of young ones. Similarly at the top we have the older age groups and a tapering top means that there is a much lesser number of elderly men and women. So what will the future look like for a present with a lot of younglings and less elderly? The younglings will eventually grow to reproduce and give birth to more babies. The absolutely elder ones they will eventually perish and the people in their middle ages whose numbers are pretty low compared to the numbers of the young population, the younger ones. They will eventually grow old and move closer to death. So that means that more babies will be born and comparatively less people will grow old and die. So this population will eventually increase. This is an increasing population. It will expand. So we can say that Nigeria's population is expanding and this type of an age pyramid we call it the expanding age pyramid. So this is an expanding type of age pyramid. Even this tiny pyramid that we had drawn earlier is an expanding type of an age pyramid because the number of because there are so many more younger people compared to the older people. So that is why this is an expanding age pyramid and generally you will find this trend a lot in the developing nations of Africa like Ghana or Angola and all of these countries. In those countries this is the trend right now. It's an expanding population. Now Nigeria isn't the only country that I looked up when I was reading up about this. This is Italy in the year 2020 and this looks nothing like the other one. That other one was such a pretty pyramid. This I'm not even entirely sure what this shape is supposed to be. But if you look at the base and then at the top then it kind of looks like an urn because the base is not that broad and then it starts to get broad in the middle before it eventually tapers slowly and becomes tiny. A not so broad base indicates that the number of younger ones in the population is much less and a broader middle means that comparatively there's a much higher number of reproducing adults. Now what could this possibly mean? It would mean that in the future there will be fewer people reproducing because these young ones are already very less in number right.  Meanwhile the more the larger number of reproducing adults that we had they would eventually grow old and there will be a higher number of people becoming old and moving closer to death. So that means more number of people will eventually get old and die and less number of people will be born because the number of reproducing adults is already less. So in that way this population will not grow at all. In fact this population will start to shrink or this population is already shrinking or it's declining. So this type of an age pyramid we call this a declining or you can also call it a constrictive age pyramid and it turns out that most industrialized developed countries are facing this kind of a trend or they have this type of a trend like Germany and Japan. Now to be honest I kind of got carried away and ended up looking at the graphs of way too many countries and that's how I came across this one. This is Argentina in the year 2020 the population of Argentina and over here this is unlike anything that we have seen so far the shape here it's kind of like a bell or you can say kind of like a barrel and that's because the number of young ones is almost the same as the number of reproducing adults. That means in the future of this population the number of young ones becoming reproducing adults will be the same as the number of reproducing adults becoming old. So that means the number of individuals who will be giving birth and increase the population basically will be the same as the number of individuals who will end up dying. So we're adding new members to the population but at the same time more members are kind of getting out of the population. So there won't be any kind of change in this population at all. It's like as if this population is constant, stable and that is what this is. This is a stable or a stationary age pyramid. This is a stable or a stationary age pyramid and you will find this trend in both the United States as well as Canada. Both of them have a stable or a stationary age pyramid or a population pyramid. How about we take a look at India now? That's how we started off this video right? We wanted to know what the population of India looks like. So this is what I found. This is the population pyramid or the age pyramid of India in the year 2020. Now what kind of trend can you see over here? At the first glance it seemed like India has a stable population because the age pyramid is shaped like a barrel and the number of young ones, the non reproducing young ones, they are almost quite similar to the number of the reproducing adults. So it made sense to think of this as a stable population. But then I decided to look a little bit closely. Now notice the base right over here. If you notice carefully you will see that the number of young ones is slightly less compared to the number of reproducing adults. There's a slight decrease over here. They're not quite the same. It's not by a lot. The decrease is not by a lot but it's definitely there. It's not like how we saw it in the Argentina graph. So we can say that the Indian population may look like it's stable but chances are that it might start to decline in the near future and that is indicated by this decrease right over here that we just talked about. But all of these predictions are not set in stone. Population size differs from year to year. Nobody saw the COVID pandemic coming and an event like that severely affects the status of a population and not just for people but for any organism out there. Several factors can affect the direction in which a population is headed. Always remember that an age pyramid allows us to predict not confirm.


think tech Hawaii civil engagement lives here boys and girls and children of all ages we are back with the Prince of investment right here live on think tech Hawaii and I'm your host the Prince of investing Prince that's coming to you guys all the way live from a beautiful state of Denver, Colorado and we've been broadcasted out a beautiful state of Hollywood Hawaii but as always don't forget to hit that like subscribe comment and share button and stay tuned for more as always I don't have a time I definitely you guys and girls will have our time so we're going to jump straight into it so on this video as you can see in the description box I'm going to give you at least five topics of five ways of five tips of how to help or create a budget or teacher kids about budgeting the reason why budgeting is so important first I want to talk about an importance the reason why so important is if you can't maintain a budget you can't invest of course we love to invest of course we love to put money in places and things like that but we first have to maintain and understand a simple budget we all know this as an adult if you're not an adult yet you listen to the show yes as you make your money you're going to have bills you're going to have expenses you will have once needs and desires right but with that with that being said in order for you to invest you will have to have some type of budget for example I make $500 I have a pay for a light water gas insurance whatever and then I'm going to what you call it and then I want to put money to the side so I'm in a great one but to say that first pay yourself first before you pay your bills so for a prime example most who say I don't have the money or I can't say because I got too many bills pay by self first I think that was in the richest man in Babylon as well so first let's go down to my handy-dandy list the first thing is set an example one set the example and do it together that the example with your child for prime example say hey like take it with me my son Wesley hey listen I have a clear jar these are my savings this is mom and dad savings Wesley this is your jar for your savings when we get paid they watch me say and then he puts money to his jar so he says so we're doing it together and he's actually getting a chance to see us with a clear jar a clear jar you can see how much money is building and accumulating over time so when he sees mom and dad doing it and maybe coming to it may turn into some type of competition of hey I want I want my jar to be more I want my jar to be bigger or anything like something like that the second thing is why you're doing that while you guys are working together create the budget together sit down and say hey this is what we're going to do this XYZ I'm going to save $2 you're going to save $1 it doesn't have to be your real savings plan but we're kind of setting up something to where they know the importance of a savings plan right so that's the first thing you can do get a clear jar do it together match each other right number two make them work for their money I know we all think about allowance and things like that but for prime example when they you ask them to go outside and say hey I want you to clean the car if you watch the car this weekend I'll give you five bucks if you outside your daily chores not just giving them money just because they're who they are when they do some a little extra you do a little extra hey sweep off the driveway I give you you know a dollar to a driveway Wesley come down to my office clean my office you know I will ask them hey I want you to clean my office how much you gonna charge me you know you say five cent something like that because we don't understand all the way and I take pre-advantage he would say I do it there five cent like deal we got a deal we shake on it he cleans my office I give him these five cents so he sees where this money is coming from he sees that I have to do something I have to do something in order to get this money so sometimes parents love to give allowance if you want to give an allowance great been an allowance but I want you to also think of the concept of you know working for making a work for now he knows I had to do something in order to get this money because we all know we become an adult the money's not going to be handed to you not it is not for some of us I'm not the majority of us and if it is handed to you contact me because I like to have handed to me too all right so let's jump into number three now when we do this we want to show them the cost of stuff when they want things I want them to see the cost of it for prime example firstly he doesn't really understand how much money is equals to what so number three let him see the cost hey you offered to clean my office for five cents but what you're asking for you were like the ice cream ice cream a couple ice cream cost two dollars you don't have enough money so now he understands the money that I made from sending my dad's office it's not enough to buy ice cream so now he has to ask for more money he understands that hey I have to ask for more money I have to save up to get something or whatever case may be alright so now he knows hey maybe I should ask for two dollars with two dollars I can buy ice cream I mean I asked for three dollars because I can save a dollar and have some ice cream those type of things so I'm teaching him how to negotiate and you know I'm not going to tell him I want to understand that people will take advantage of me so you have to be smart enough to not be taking advantage of and be responsible and be responsible as well so let him see how much it costs don't just say hey well I just buy you this they think money falls out of the sky I wanted to understand hey this how much your work and what labor's off your cost great way to learn about budgeting another thing number four the jars right this is when you place the jars together and what I mean by you place the jars together is a prime example just don't have one jar for safe we all know that's what you can do I had a deep conversation today with some students at Gateway High School thank you for Gateway High School for bringing me in and when we spoke about was if you continue to say right now what is the national high on a savings account it's roughly around about 1.25 according to bankrate.com the last time I checked maybe a little higher maybe a little lower but I'm pretty sure this in that ballpark I know my account is not getting 0.25 on a savings account right so you have to understand well that's that's not the whole picture you just can't say you must do something else with your money first no matter if you're an adult you have some former bills whether it's a phone bill a card note mortgage rent anything you have some former bills so first we when he's earned his money they must understand I was first paid my bills right to when I first pay your bills for first day for yourself or pay your bills either way some people say hey you know I want to get my savings off the top some people say hey pay your bills I want my son to know hey you must pay your bills because if you don't pay your bills it goes on to your credit and if you don't pay you know if your credit is messed up not a fix you get a job or it affects you for business loans get in the house car anything else like that right so bad juju so first you must understand as an adult you must pay bills second you must save some money third you must invest you have to learn to invest because like I was the point I was getting at savings account getting about point two zero or something like that but you got you have to look at them same notion that with the savings account being so low you have to also understand inflation inflation you don't see inflation so people don't think about it right and I told you know you got to think about purchasing power if I was right now here in 2018 to dig a hole in my backyard put a thousand dollars in my backyard let it sit there for 20 years 20 years later how much money would be there a thousand dollars right then let's say 20 years from now and 20 was that 2038 and 2038 I go up to the store go to buy stuff do you think I'm going to be able to buy more or less probably less right the reason why I'm going to be able to buy less it's because of inflation the value of money continues to fall the price of business services continue to go up but the price of services continues to go up up up you know I go over I can't buy the things I used to buy if you take $200 today and you take $200 20 years ago both of went into a grocery store both of money still spend you're going to be to buy less and less and less and you're buying less and less and less due to inflation now what is inflation percentage how fast is inflation move right now they try to maintain the federal reserve they want to maintain the federal inflation between two to three percent something like that last year 2017 I think it was about 2% so when you're looking at inflation moving at that type of rate what people are trying to do they're trying to keep inflation to be modernized people don't think about it because nobody knocks on your door and say hey hey let me have 2% this year because of inflation you can't really see it you know you just go to a store and things cost a little bit more and a little bit more and a little bit more you don't understand why so that's the thing you must understand is with inflation now you must beat it you must match it so you can't just save your money you just can't pay your bills and save and then you're going to get ahead because the current interest rates decided we're in now is not favorable for a saver you're saving 2% but then you're saving and getting 20 25 cent but then also families inflation is coming in take $2 every year you have a negative point 75 right so you can't win that way you must put your money somewhere invested somehow to where you can at least match or beat inflation you know you have you know maybe could be cryptocurrency maybe it could be you know maybe to be cryptocurrency to stop market real estate running out of house and all types of things you can do now the next thing you want to do number five the matching system right you pay out a dollar give the kid a dollar your son your daughter nephew whatever case and do you give my dollars they say hey if you don't spend that dollars you bring me a dollar back next year whatever you got in your savings by the end of the year I'm going to match it by the end of the year if you have $50 and your savings account I'm going to match that $50 it's time to get them in the notion of you guys working together and also getting them prepared for it they go into the employee world and they work somewhere well we have the government matching a lot of us have matching systems but a lot of us don't know how to take advantage of the matching systems we don't know how to take advantage of the matching systems because we don't understand we don't even know what it is we don't know the power of it we don't understand oh every dollar I put in they're going to match but then they're going to invest some people don't know and they don't take advantage of it so by you matching them end of the year whatever you have in that jar I'm going to double it you got a hundred dollars in there I'm going to put a hundred dollars second you're giving them a reward you're giving something to them for them looking forward to it right and you're here and I know some people may say well you just giving them money but what I'm trying to do is mimic what interest is teaching what interest is hey look I'm going to give you 50% or whatever you was able to say whatever you say by the end of year what's in this jar jar will count it if you have a hundred dollars I'm going to give you fifty dollars you have a hundred dollars I want to give you a hundred dollars whatever thing you're doing you want to reward them and say hey this is what is interest calls now you're getting into the next lesson which is very important which is now you're able to teach them the value of compounded interest for example let's say one year they save a hundred dollars you count it out you say the hundred dollars say this is what I'm going to do I'm going to match you with the hundred dollars boom now they have two hundred dollars let's say by the end of next year they was able to say fifty dollars now they have two hundred and fifty dollars now you're going to say hey look last year you had a hundred dollars worth of interest that I'm going to pay you interest on top of again and now they're watching their money grow you know yes we didn't throw money into an account and buy a stock but they don't see it but when they send their money physically grow we're teaching them and we're showing them hey look boom boom boom your money is particularly growing right your money is particularly growing your money is getting growing mom and dad is helping you out you collected interest so it's hey the more money you put in this jar the more money mom and dad put in this jar so when they get older they understand the more money I put into my bank account or the more money I invest the more money that grows aka dividends aka interest aka compounding interest you want to let them see and understand and know the power of compounding interest right and that's the way to do it so let's go let's do a recap the first one set an example and do it together set an example do it with them just don't say hey this is your piggy bank whatever it gets great they have a piggy bank but make it a clear jar so they can see their money growing to mom and dad has one too this is mom and dad saving they see mom and dad saving in their big clear jar that's you know your son daughter niece and nephew whatever the case can be they're doing as well so you set in an example and you're telling them hey five dollars a week or whatever the case can be this is what we put into our jar they're doing it you're doing it together they're building the habit because they say I always saw my mom and dad do it I always did it things like that that's step one number two an allowance flash work some people pay their parents some people pay their kids an allowance so I'm paying them by work once they do that baseline chores let them understand hey she's not going to pay you just for existing you have to do something for your money pay the one in the house so as you pay them hey as you clean the office as you clean our room as you do whatever the case will be I'm going to pay as that person is being paid or as they are being paid you turn around as they're being paid you they can able they can be able to save right they know I had to do something in order to earn this money I just didn't just wake up and boom you just dropped the money my piggy right I had to clean the office in order to get this money right so panning allowance three kind of piggyback all once using the clear jars and having stepped jars not just one big savings jar but let them know in life there's more tool than just saving one you got to pay your bills because you have to pay to live jar number two this is your savings jar number three this is your investing jar because we just went over you just can't save your way to invest you have to set back you have to pay your you have to invest your money some type of way so that's three ways that's number three number four let me know how much stuff costs right now I'm trying to teach Wesley the value of money he doesn't really understand you know how much money whatever cost I say what you want to keep clean my room you want to clean it for five cents he cleans it he doesn't really understand but let him see hey you clean my room for five cents but this ice cream costs two dollars you don't have enough money you have to save up for or you have to make more money you have to maybe clean more things you have to do more things in order to get this let him see the cost of money let him go to renegotiate his contract his verbal contract to see can he negotiate for more money and it lets him see wow five 10 is not that valuable because I can't even get ice cream with it you must understand it now he understand how much things cost and what he had to do to get the money number five match them match them with what they're doing hey maybe it'd be a 10 percent match 50 percent match 20 percent match maybe you match them monthly but you want them to understand the concept of interest when I put money in this jar I get interest for a prime example you may have a matching plan in a 401k uh your bank give you interest on a savings account a cd or a bond or stock page dividends you want to let them know by saving you earn more money you can match them at the end of the year hey in your piggy bank we count all the money you've got 50 dollars boom here's another 50 dollars now you have 100 dollars and when you're teaching them when you're matching them every year like that you're showing them the power of compounded interest in the example we use they say 50 dollars you add in 50 dollars they now have 100 make sure let's say in that same pile they have 110 dollars now they're being matched on 110 because 50 dollars of that is already interest so now they're making money off of the interest to the powerful thing called compounded interest aka my money is making money right so those are the five things the five things set an example uh paying with an allowance of work the three different jars four uh how much stuff costs five match them match them doing it all together and those are five good tips on teaching the kids managing budget now we know how to manage the money now they have a possibility and the opportunity to be able to invest because if you can't manage the money most people don't have the money to invest because they don't they don't know how to manage that for a month so those are five ways to teach your kids how to do it five teaching my hand that's five ways to how to do it but as always i'm going to go ahead and close out the show i want to thank you guys but tune in as always my name is prince dykes every every week biweekly or check me out on the investor show on youtube facebook instagram twitter i heart radio all those type of things follow the investor show once again until the next video podcast cartoon or whatever you see me do crazy around the globe please be safe i'm out and thank you