Hello and welcome to today's TechSoup webinar. Thank you for joining us. My name is Crystal and I'll be your host. Today's webinar is Making Sense of Financial Literacy, Tech Tools, and Innovative Programs. We have three guests who will share some of what they have done to leverage technology and fun to provide financial literacy information and education to their communities. Before we begin, I have just a few announcements to share. We'll be using the ReadyTalk platform for our meeting today. Please use the chat in the lower left corner to send questions and comments to us and the presenters. We'll be tracking your questions throughout the webinar and we'll answer them at the designated Q&A sections throughout. All of your chat comments will only come to the presenters, but if you have comments or ideas to share, we'll forward them back out to the entire group. You don't need to raise your hand to ask a question. Simply type it into the chat box. 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We have someone from TechSoup live tweeting this event, so please join us in the conversation there. TechSoup connects nonprofits, charities, libraries, and foundations with tech products and services, as well as information so that you can make informed decisions about technology. Over the past 27 years, TechSoup has distributed over 11 million technology donations to over 200,000 nonprofit organizations, libraries, and charities in over 60 countries worldwide. Learn more at TechSoup.org. TechSoup offers programs like QuickBooks and Windows 8 through their product donation program. We also offer 4G mobile broadband devices through Mobile Beacon. For more information about TechSoup products, product donations, or services, please visit us online at TechSoup.org and click on Get Products and Services. You can also subscribe to the TechSoup newsletter to stay up to date on webinars, tech information, and new items available through TechSoup. And TechSoup for Libraries is a project of TechSoup Global created specifically to address the needs, the technology needs of public libraries. TechSoup for Libraries gathers stories from public libraries about how they are utilizing technology and sharing them via webinars, blog posts, and the TechSoup for Libraries monthly newsletter. Find these stories and more at TechSoupforLibraries.org. And with that, we're ready to begin today's webinar making sense of financial literacy, tech tools, and innovative programs. For today's webinar, we're going to focus on some unique ways that libraries like yours can leverage technology to provide financial literacy programs and services without breaking your library's piggy bank. I hope that today's webinar gives you a few ideas that you can apply in your organization. Today we're joined by three guests who will share some of the innovative programs being done in their libraries. Our first two guests join us from South Carolina. Aubrey Carroll is the Information Services Manager at the Florence County Library System and has administered two smart investing at your library grants. He'll tell us some of the very successful programs they've offered to their community including a financial literacy festival. Heather Pelham is the Public Services Library and for the Georgetown County Library and is going to share a few video based projects that have been very successful in engaging their community around financial literacy. Our third guest is Kathleen Kalmas joining us from the New York Public Library where she is a financial resources specialist in the science, industry, and business library. She'll be sharing a set of online training materials for staff on the subject of financial literacy and these materials are freely available on the New York Public Library website. My name is Crystal Schimpf and I'll be your host for today's webinar. Assisting us with the chat we have Becky Wiegandt, Manager of the Webinar Program here at TechSoup. We also have Jenny Meese of the TechSoup for Libraries team who will be on Twitter using the at TechSoup for Libs handle. Just a reminder that if you're on Twitter during the webinar please use the hashtag TS4Libs. Now as you can see we have a lot to cover today and as we were just giving you an overview but we will have time for questions and answers throughout the webinar at a few key points. So please send us your questions into the chat as they arise and we'll address as many as we're able to. If you ask a question and we're not able to answer it during the webinar we will follow up with you later via email. You can also ask a question on Twitter. Just remember to address it at TechSoup for Libs and use that Twitter handle as well, TS4Libs. And just as a reminder if you're just joining us all of the resources we discussed today will be available in the archive of this webinar which you will receive at the end. Now first we'd like to learn a little bit about your experiences. So tell us did your library currently offer any type of financial literacy programs and services? And even if you're not from a library, if you're joining us from a nonprofit or other type of organization you feel free to respond to this poll as well. To respond you just click the radio button and then you want to be sure to also click submit to send that into us. I also invite you to share into the chat if you have any specific types of programs or services you've done that you would like to share with the rest of the group. We invite you to share that there. And I can see that many of you are getting your responses into us. And I can see that we're at a fairly even split but that about half of you have not been currently offering any financial literacy programs or services in your organization. So I would say for those of you who are fairly new to this I hope that this provides you a nice introduction. And for those of you who are perhaps a little bit more experienced you may be able to walk away with some new ideas. I'm going to go ahead and close the poll now since it seems like most of you have responded so you can see the responses there. And I see that some of you maybe aren't sure if you're in a large organization or if you're not sure what qualifies for financial literacy services or programs. I think you'll all, regardless of where you're at, walk away with a few ideas today that you'll be able to take back to your organization. So thanks again for joining us. Now right off the bat I wanted to share a few resources. Many of these we're going to talk about in greater detail throughout the webinar or are going to be mentioned. But these are some great websites that have free information available that you can use in financial literacy programs or to learn more about financial literacy. One in particular that I will call to your attention now is the Intuit Empower site, an educational site created by the makers of QuickBooks. Intuit Empowers features a wide range of materials that can be used by individuals or in group programs. And so like I say, I'll be sure to include the link to that as well as the links to all of these resources in your archive email that you'll receive within one to two business days. I also wanted to let you all know about an excellent resource from the Reference and User Services Association which is a division of the American Library Association. These guidelines for financial literacy education in libraries were recently drafted to help all libraries establish quality financial literacy programs without having to become financial advisors, which I know many of us are concerned about for good reason. So this document includes guidelines and recommendations and also some program ideas and this will be included in the archive as well. So look for that. And so now it's time for me to hand over the virtual mic to Aubrey who's going to tell us about the smart investing programs that they have done at the Florence County Library System. Aubrey? Thank you, Crystal. And I want to take this opportunity to thank TechSoup for the chance to tell our story today. And it's an exciting story that I hope can be replicated at least in parts and it's being replicated all over the country as you will hear from our other speakers today. I'm of course Aubrey Carroll with the Florence County Library System. We are located in the northeast corner of South Carolina and you heard Crystal mention smart investing at your library and we have received a couple of smart investing grants over the past few years. Some of the grantees have chosen to do very targeted programs toward very specific demographic groups. We saw such a huge need in our community, so many people in need of reliable financial information that we decided to take a multi-generational approach and try to reach a lot of the different groups using our library. And of course the goal with the smart investing at your library program which is a partnership between the American Library Association and the Finra Investor Education Foundation is to develop financial literacy and communities using libraries and also to impact behavior and actually have people make better decisions and have a better impact in their lives as a result of getting financial education. A little bit of a project overview with the grant funds we received we expanded our e-book and print collections throughout our sixth location library system. We also conducted two money madness teen lock-ins which I'll tell you a little bit about in just a couple of minutes here. One of the major highlights as Crystal mentioned was our fall festival which is a family financial literacy event. We also had a number of money management workshop series both in our library and in the community and we also had retirement or having rather, retirement planning and investing workshops. And we also have a series of programs for children and teens. We call it our Dewey Dollar Smart Program. It's named after our library mascot and we actually have these dollars you can see at the bottom of the slide there that children can get the dollars every time they attend a program or read from one of the smart investing books in our collection. They get a dollar and they can return that in rather for a chance to win prizes and that helps create some excitement and fun in our programs. We have many project partners and this is a key particularly if you have limited resources. We of course are a smart investing grantee but there are a lot of resources out there and one of the resources you can use is to leverage what you have in your library with partners in the community. And there's a lot you can do just through the partnerships. Our partners are listed here. We partnered with our South Carolina Department of Human Affairs, our school district, our adult education center, some of the career services groups in our community, our local school of business, AARP. We also have a group, the Benefit Bank of South Carolina which helps low income individuals, helps them realize state and local federal benefits that they may not be aware of. It's actually a nonprofit and they have partnered with us just an example of some of the project partners you can have. Of course as I mentioned the highlight of our program was the Fall Festival. The one we had this past month drew an attendance of 3700. That's families with children. It was a great event. We had a theater group. We had an Emmy Award nominated puppeteer. We had a children's author who wrote a book about saving money called Start Saving Henry. We had piggy bank crafts. Everything had a money theme. The groups we had usually perform to promote reading and literacy in schools and libraries. But we asked them to do something a little different and actually incorporate themes of financial literacy that are age-appropriate for children. They stress things like the value of money, how to save money, the importance of not spending money that you don't have and that sort of thing. We were able to impart an educational message that would actually make it fun. We also had some of our partners on hand that I mentioned in the previous slide. They had table booths in our main library and we were able to provide information for some of our adult patrons, our parents. Another fun component of our program is we actually developed a mascot just for the financial literacy programs. We call him the Money Monster. He's designed to symbolize all the ways that people can waste money. Basically he's designed, he can actually eat dollar bills. He's got a pouch in his mouth rather. We had a naming contest and a local school student, third grader actually named him Maximilian. His full name is Maximilian the Money Monster. Right now you see him in these slide pictures, pictured with adults. He's popular with the kids and we wanted to make him fun, not scary. We had a costume maker make this for us. But he's just as popular with adults as with children. You can see him here in the right hand slide. This is one of our career services groups we do out in the community. We do a financial workshop for people getting training for healthcare careers. It's very popular and helps really kind of drive home the point that financial literacy can be fun. Of course this being TechSoup we'd be remiss without mentioning some technology components and that has been a strong part of our program. We have had webinars not unlike the one you're viewing today for staff and public. We are a sixth library system spread out through the county so sometimes it's not convenient for some of our branch staff to always come to headquarters or come to one location for training. So we try to bring the training to them by using webinar technology. And we've also offered this to the public. If we offer a workshop at our main library for example we can extend that to the libraries and have done that through webinars. And so we might have 40 or 50 people attending at the main library but at our other six branch locations we may have 6 to 12 people attending there and that saves them a drive and makes it a little more accessible to them and has worked fairly well. Also our project partners have conducted webinars. For example the South Carolina Department of Consumer Affairs has done training for our staff on some of the services and resources they have available and they've done that training from our state capitol in Columbia which is two hours away from our library. So technology has played an important part. Of course social media is always useful in promoting these events. And another service we have is that we have consumer scam alerts via email with the South Carolina Department of Consumer Affairs. Our people can sign up for this service for us and we push these out on a monthly basis. We have also had a retirement planning workshop. The first one we had was a couple years ago was a very traditional one and we've developed it over time. The last one we had we did it in our computer lab and we made it much more hands-on. One of the things we did was add a retirement calculator component. Actually we added a lot of calculators. One of the things that really sort of drives home the point of how to plan for your retirement is to have people plug numbers into good reliable calculators. An example of one is one that is put out by our sponsor the Finra Investor Education Foundation. And this is a pretty straightforward retirement calculator. You put in basically your rate of savings, how much savings you have right now when you plan to retire, how much income you're going to need to live at a comfortable level comparable to what you are experiencing now. And then you plug these numbers in and you can see over time on the right-hand side there's a table that develops that tells you year by year what your deposit is and your balance and how long it will take for your money to run out. It literally runs on assumptions like if you're going to live to 85 then you put that in and of course the summary table is to the left. So that's a way for people to see. And that was a really successful component for us in the retirement workshop. People really I think got a lot more involved when they could do these hands-on exercises and really see how these financial decisions can impact their lives. Another highlight we had I mentioned before the teen lock-in. A lock-in for those who are not familiar is basically an after-hours program at the library. And we set a state record by having 189 teens attend and in our 2012 lock-in. And the way we did is we sent flyers to all the schools and we emphasized the fun aspects. You can see the flyer at the top there. We had prizes donated and it was a great event and we had a lot of games. We had game show type activities. A lot of sort of money games made it very fun, a scavenger hunt. And we actually got a lot of points across to the kids about the dangers of credit cards and how interest payments add up and so forth. And it's really important to reach that age group because they're going to be inundated with credit card offers. We've also had senior lunch and learn programs for seniors where we presented information on scams and things that are unscrupulous. Operators are targeting them and that was a very successful program. And it looks like my time is just about up here. So at this point, I'm going to turn it back to our moderator and we will open it up for questions. And I thank you for your time. Great. Thank you, Aubrey. I mean you have so many great programs happening and some really interesting ways to take traditional library programs we might think of and expand them into the area of financial literacy, having a festival, having the teen lock-ins, having workshops and that sort of thing. Now one question that we did have come from the audience is with the Fall Festival in particular, was that a one-day event or was it spread across multiple days? That was a one-day event. Originally when we tried having it in a different form a few years earlier we had tried in the morning at 10 a.m. and we found that most people don't get up that early on a Saturday and so we started it at noon and held it until 4 p.m. and we rotated the acts. Of course we had the theater group and the puppeteer and the children's author and we would stagger those so people could get around to see all of those and we had all sorts of craft activities going on at the front of the library, face painting and balloon sculpting and we had money-oriented crafts and so forth. So it was really a whole festival event and so by spreading it over four hours people could attend. They could have lunch while they were here. They could see all the things that were going on and we found that that was about the right time for us. Great, great.  Now we're also getting some questions in about where you access the materials. Arlene is asking about the source that you used for the games and I'm guessing that's the games you used in the Team Lock-in but also if there are any sources you used for the curriculum in your workshop so I'm throwing two questions right at you at the same time but if you can address that would be great. Sure. The games, a lot of resources you can find on the FINRA Investor Education website and the smart investing at your library websites. A number of libraries have done programs and they share those on that website and on those websites. So a lot of the ideas we sort of borrowed, we may have taken directly others we may have been inspired by and then sort of modified them ourselves. But it's a great resource for free information. You don't have to reinvent the wheel. So many great things have been done out there by libraries already, particularly those who are smart investing at your library grantees so I would urge people to check out the smart investing at your library website and also the educational resources at the FINRA Investor Education Foundation website. For the other question, the curriculum for the, I believe it was the retirement planning workshops that was developed in conjunction with the professors that we use. We had instructors from our local university school of business and I had mentioned them as a partner earlier. So we actually developed the program with them and they were very experienced in that area in financial education and investment and money management. And we also used the educational modules from the FINRA Investor Education Foundation and those basically have a curriculum outline. So I think you may be able to Google that or we may be able to provide that as a link at a later point but it's the investor education modules that are part of the smart investing program and I believe they're available through the FINRA Investor Education website. Yes, and we will be sure to include those links. And I think the great message here is that you can provide some really quality programs without having to spend any money on if you have both access to these free resources and also perhaps with some community partners who have a lot of experience can help you create something even beyond what's available for free online. So we will include those resources in the archive of this webinar. And we have had a lot of other questions come in but at this point we're going to move on and hear the next part of our presentation. So for those of you who have asked questions, we'll try to get to them at the end either or in the chat as we go along. So thanks for sending in your questions. But for now I want to hear from Heather who's going to tell us about how they've integrated video productions into their financial literacy programming. Heather? Thank you and hello to everyone on the webinar. Much like Florence County Library System we're on our second smart investing at your library grant and it has really helped us put a focus and emphasis on financial programming. We were a little nervous at first about taking on the challenge because we're like every other small library trying to do 8 million things with 59 cents and a handful of full time staff. But the FINRA grant has been really helpful with not only funding but materials, networking, and guidance. We've also found some great materials and ideas from the Consumer Financial Protection Bureau and that's your Ask CFPB website. You can go on there and find all sorts of good stuff. And later in the talk I'm going to talk about how we've incorporated video into our programming and we paid for most of those supplies with a one year Best Buy Team Technology grant who hears what we've been doing. We offer one hour workshops on everything from how credit works to investing basics and we run the workshops at our four library branches but we also partner with local nonprofits and run the workshops at their locations. We've also tried to be really flexible. For example, in the summer many of our lower income residents get seasonal hotel work in Myrtle Beach and they aren't available to take classes. So we went out to the summer programs where their kids were and taught financial classes for kids. And we have a wonderful roster of instructors from groups like the Small Business Development Center, Cooperative Extension, SC Legal Services. And once you get the ball rolling it gets pretty easy. We've done 74 workshops just in the past 18 months. Four times a year we hold a Train the Trainer workshop for librarians and also for the staff of local nonprofits. And we give attendees an in-depth look at financial topics plus lots of handouts they can share with their clients. And we also let them know about reputable online information sources. And much like Florence we've found that having a Fall Festival of Financial Fitness is a great thing to do. So once a year we hold the Fall Festival and it draws a huge crowd for our small community. And we have booths made by financial experts who offer unbiased information about saving and investing.  Librarians and local service groups run everything for us. So it tends to be relatively cost effective. Our next festival is this Saturday so wish us luck. Now getting into the whole video production and financial fitness. Here in Georgetown County we are huge on history. Many of the homes in our historic district date back to the 1700s and every single surviving plantation claims that George Washington slept there. Huge swaths of property here were snapped up in the 1920s by the Vanderbilt's Baruches and Huntington's. And they hosted presidents and movie stars. Tom Yaqui even bought one of our islands and brought the Boston Red Sox players here to chill out in the off season. So we are super interested in local history. So as part of our financial efforts, we started interviewing residents about their experiences during the Great Depression. And we would travel to the homes of the people we were interviewing if they seemed to be more at ease when they were there. This also encouraged them to dig up any photos and artifacts they might have. And the camera and microphones and lights tended to be a little daunting at the start of an interview. But we would keep the interviews informal and conversational and they'd preach and they'd forget about the equipment. We edit using Adobe Premiere and thanks to the Best Buy grant I mentioned earlier, I even have this cute little editing suite that we carved out of a closet. We recently started a new series of interviews with folks who faced financial hardships other than the Great Depression. And that series is called Up by Their Bootstraps. We burn all our interviews to DVD and have them available for checkout at our library branches. And I know that's a little old school now, but we do have a group of patrons who love coming and checking out the DVDs like they're getting a movie. And we also upload the documentaries to the Georgetown County Libraries channel on YouTube and then we link them back to our website and Facebook. And if you want to watch just one of these interviews, I would check out the Great Depression Women of Georgetown video. It's got quotes from 15 women in just 11 minutes. And if you want to check out a bunch of the interviews, they're all on the Georgetown Memories playlist on our channel on YouTube. I saved my favorite financial video adventure for last. We've shot 14 financial fitness commercials with local kids from all over the county. These play on our local cable channels and they promote the library as the go-to place for financial information. We've shot these commercials at schools, at the library, at summer and after school programs, and we even had a casting call in the newspaper. And boy, do we get a lot of kids to that.  They're just 30 seconds long, so I thought it might be fun if we watched one we did at a local middle school. It's about having plenty of money and being able to buy what we want. The first step is to know how to save and make your money work for you. Georgetown County Library has classes you can teach right at your school. And I urge them to invest for people you can trust. The commercials are a great way to sneak some financial education for kids into the mix. We teach two classes before the kids get to their starring role. Here's how it works. On day one, the kids have a financial fitness class and we do lots of hands-on activities and role-playing in those to keep things fun. And I cover basic concepts like types of bank accounts and how to save, how a credit card works, and what debt is. And it gets kids comfortable talking about financial concepts. And I love teaching classes to kids. They don't have a lot of really difficult questions like what type of annuity they should buy. Then on day two, we come back and do a basic tutorial in video production. This has never been a problem. The kids love hands-on time with cameras and microphones and lighting.  I'm continually amazed at how comfortable kids are with video technology from the minute they pick it up. As part of the class, the kids even practice interviewing each other and they write their own script for the commercials. And then I get to edit it a little bit. And then for a third session, the kids actually get to shoot and star in their own commercial. Due to time constraints, I do the editing at the library. And I should stress it's not that the kids can't edit the commercials. We just don't have enough time to teach that many classes. But once you've got editing basic, it only takes a couple hours to put the spots together. Then when I finish the commercials, we have a big red carpet premiere. And I give all the kids the YouTube link for their spots so they can show it to their parents. And then for months afterwards, we see parents staring the links on Facebook. So it's yet another great way to advertise. One of my favorite parts of the process is seeing which kids, which way the kids want to go with the commercials. So let's watch one more commercial. This one was done by some teams in a rural part of Georgetown County called Carver's Bay. Hi. To get a college. To earn a college degree. To be a math teacher. To be a nurse. To be a veterinarian. To be a psychologist. To be a superstar. To be number one. But my dreams cost money. Georgetown County Library has the books, videos, workshops, computer programs, and personal help. To get me on the right path. I want to do it right. So to sum it up, our library's financial fitness program has plenty of moving parts. Adding a video component took things in a whole new direction for us. We preserved some history. We bolstered our publicity efforts. And we even stayed relevant with the next generation. So what more could we ask for? And I'll send it back to you for questions. Great. Thanks for sharing those. And I know those are just a couple of the videos. But I particularly love the difference in the energy between the middle schoolers and the older high school age kids. And the different message that they brought with it. So I love that variety. And I would encourage all of you listening to this webinar, watching this webinar, to check out their YouTube channel. We'll include the link in the archive. So be sure to check that out and see some of the other ideas that were portrayed in these video PSA commercials. Now, Heather, I just wanted to ask you. I see some questions are coming in right now. But right off the bat, do you have any ideas for other types of media content that you might do in the future around financial literacy? What type of projects might be coming for you in the future? Well, we are right in the middle of our up by their bootstraps interviews. So at the moment, it's keeping me super busy. But we also have some dollar baby commercials coming up.  It's a long story. But the baby is going to give everybody advice or kids advice on how to save, how to start thinking about the future and being smart with your money. So we're sticking with video for now because we really are having fun with it. And it gets the kids really fired up about learning a little more about financial fitness. That's great. That's great. And it sounds like you've been really able to capitalize on the technology that you have available and some of the Best Buy grants. We actually have another question as far as – let me just restart. Claudia asks, where did the commercials run? They're about 30 seconds long. Did they run on the local TV station or just on the library website? Well, we were extremely fortunate in that we were able to use part of our FINRA grant to pay for some airtime on Time Warner cable and in our area, Southern Coastal cable channels, which basically control everyone's cable. So they are running on Nickelodeon, TNT, STN, CNN, the Weather Channel. And the great thing about these is because they're a good message in a nonprofit organization. They give us a BOGO deal. You buy an ad, you get one free. We found that when we run out of our contract time, they keep running them anyway. So we love that. And we do also run them on our website just now. And then we'll post something on Facebook when it's new too. Great. Great. And I think you mentioned earlier that one of the best sources of views on the YouTube channel was at the parents. So parents are so proud to share. But that's great to hear that you're also using the local media and kind of the lesson there being if you spend a little bit, you actually get quite a bit in return because they might be willing to run the ads longer. So a great tip there. Well, Heather, thank you so much for sharing this. And we will get to some more questions at the end. We'll have one more kind of longer question and answer period at the end. But for now, I'd like to move on and have Kathleen, who is our final speaker, share some of the fantastic training resources that they have available through the New York Public Library to help you and your staff feel confident with the subject of financial literacy. Kathleen? Thank you, Crystal. And thank you, TechSoup. And thank you also, Heather and Aubrey. I've learned so many wonderful things from you, but I have some ideas for you as well. First, I want to tell you I'm Kathleen Kalmas. I am not a librarian. Excuse me. I've had three careers so far, an investment professional, a mom, and working with the NYPL, New York Public Library, to bring financial information to the world. Well, maybe I set my sights a little bit high. But the New York Public Library seemed an excellent place to start this mission, and I must say after 10 years I think we've made some progress. When we started, we identified two primary areas of difficulty. Library patrons, at least in the New York metropolitan area, and I suspect that's true in South Carolina as well, did not expect to find financial information at the library. It's a mindset. And a survey of our librarians confirmed that 88% of the librarians did not believe their patrons ever asked financial questions. Also, the second part of the problem was that library personnel actively discouraged the notion that such questions could be answered. They were not qualified to give medical, financial, or legal advice. Wait a minute. Who said anything about advice? Librarians should not be giving financial advice. But financial information is now readily available to librarians through the Internet, and they can share that information with the public. So with the mantra, information, not advice, we began six or seven years ago to break down those two walls of public mindset and librarian reluctance. The going was slow here at NYPL with 89 branches across three boroughs, and as Heather said, 59 cents, not a lot of spare resources. And then came along, excuse me, the Institute of Museums and Library Services with the offer of a grant to help jumpstart a financial education program for librarians, not just at the New York Public Library, but indeed the world. Perfect. We jumped at the chance and we brought in two professional educators from Rutgers University to help us develop a complete curriculum for librarians to help them share financial information with their patrons. The result is what you see before you, a website called Money Matters Pro. So what exactly is Money Matters Pro? Well, it's an entire curriculum focusing on 11 critical financial elements to help librarians anywhere learn more about financial matters and to make them more comfortable giving the public information, not advice. So what are the 11 program areas? Well, Heather and Aubrey both mentioned some of them. Banking, so critical to us all to really understand everything those bankers say when we walk into the shop there. Credit and debit, a lot of us have difficulty with our credit cards and with our mortgages and things of that nature. Retirement planning, so critical to your future. Investing one and two. You've mentioned FINRA, a wonderful, wonderful place to learn about investing, but we'll help you with that too. Identity theft, who's feeling safe these days? I think it was Staples that was hacked today or yesterday, Ronald. Insurance, always good questions, a lot of different areas. Health insurance, life insurance, all different things. Unfortunately, some of us are living on the financial edge. We can give you some education there as well. Paying for college, there's a lot of people out there. I believe President Obama has complained about his having to pay for college right up until he got into office. Income taxes, taxes, taxes, taxes. There's more that we can all learn about these topics. And while these programs were designed to help librarians, help their patrons, we quickly understood that they helped our library staff as well. So let's take a look inside. Okay, we recommended from the start that our frontline staff take a minimum of the three core classes, banking, credit, and retirement. Okay, and we encourage that they take a few electives as well. Over two years, the Rutgers personnel offered each of these three-hour programs several times at various New York Public Library locations. We continue to offer the programs to our staff on an ongoing basis. So what will you find on this portal? Let's focus for a moment on the retirement program.  And it looks confusing, but really you can download each one one at a time. And you can start with the Leaders Guide, which is a step-by-step guide where we produce the entire three-hour training session. Now I can understand that the thought of a three-hour training session might be a little bit daunting. So you can take it in parts, and let's look at the parts. We have a PowerPoint presentation. We have small group discussions. There's a Jeopardy game. Everybody loves Jeopardy. A comprehensive list of resources. Jessica mentioned that she's going to share some resources at the end of the show, and they're going to be great ones. But let me tell you, we have every good resource known to man someplace on this site. You'll also find for each program a couple, a very useful PDF handout. And in some cases, sometimes we have a short entertaining clip as well. So let's look at the individual pieces. Okay, here we have, oh, and I do suspect by this time some of my colleagues from some smaller library systems are thinking, but who's going to do the teaching? Well, the Leaders Guide will help you through that. And I think you can also work with the material on your own or to learn as a group. And I also, I think Heather mentioned you have some specialists come in to do workshops for your library staff once or twice. This is a perfect curriculum for them to start with. The PowerPoint, well, okay, yes. Any PowerPoint is going to be a certain amount of slides with just words. But there are many slides that allow you to look at an interactive game. In this case, the Longevity Game.  And this game will let you do that. And it's embedded into the PowerPoint slide. So you don't have to go off to some of the resources to find it. It's right there in the slide. And there are also in these PowerPoints a lot of charts and other visuals to help you learn. The small group discussions. Well, here's an example where we have an example with a library patron trying to decide whether they should take Social Security at age 62 or wait to their full retirement age, what is their full retirement age, and lots of other questions. Well, you as a librarian have never met this person before, and so clearly you cannot answer the question. But you can say that, yes, you don't know them well enough to quite answer that question, but you know where the Social Security website is, and you know on that website there are different pages that will help them estimate how much money they will receive at 62, how much money they'll receive if they wait to 66, will they lose some money if they work and accept retirement benefits. All of that can be found, and a librarian who knows how to look at that website can help a person find their way through. Beyond the small group discussions, there are, oh, I need to say, that with the small group discussions, there are questions, and then we do provide the answers as well in case you were unsure. The next part I wanted to look at is our Money Matters Jeopardy game. Each one of these classes has a game attached, I believe there's 20 questions, but there may be some more, and the answer key is also there, and they question you on what you just learned. Take a look at it. I hope you all got the right answer on this one. It's A, in case you weren't sure. And then we do have these small video clips. Again, it's a simple example of a patron coming into a librarian and asking a question, and in the clip, the librarian answers, not with the final answer, but with how the patron... excuse me, but how the patron can... I do have to go out the corner. How the patron can find the answer. Each of these clips also ends with an open-ended question, which leaves more room for discussion between any group that's trying to learn how to do these things. The next page, sorry about that, I don't usually break out coffee, but the next page shows the resources, and we've added to the top of this list the Consumer Financial Protection Bureau, which has recently begun to work with the ILMS to produce information for, especially for libraries. They have a terrific list of resources, and the link here will help you to order brochures for things like My New Money Goal, How to Find the Best Credit Card, Know Your Financial Advisor, and many others. All of these, you can put out at whatever desk is available to you, and we find, we carry them all and many more brochures from both FINRA and from the Consumer Financial Protection Bureau. We find these fly out of our library. Once people see them there, they'll collect five or six brochures that are important to them. And beyond that first listing of the Consumer Financial Protection Bureau, we have, you can only see an example of this on the website, but these are the retirement planning online resources. Again, we have a life expectancy calculator, but there is also, if you go there, there's this choose-to-save.org, which allows you to estimate how much money you need for your retirement or how much money you're going to need to pay a credit card bill or what kind of loan you can afford to buy an auto or several other things. And also, the compound interest calculator, which as a real tool for financial literacy or a beginning tool for financial literacy, understanding how compound interest works for you with your savings and against you when you're in debt is a real key to the better managing your money. So, throughout these resources, you'll find many links to calculators or things like that, but you'll also find resources. You would also find FINRA listed, of course, and many, many, many other financial links that will bring you to the answers to specific questions. Now, we also did understand that in many libraries, in many branch libraries here, and also in many smaller libraries throughout the United States, that Money Matters Pro was... Okay, let me start that again. We understood that when Money Matters Pro was under development that not all personnel would have the time or the opportunity to work through all 11 three-hour programs. That's like getting your master's degree. So, with even a smaller library system, we developed these small e-learning sessions. Each one of these sessions is only a half an hour. You can go to it anytime, and it gives you the basics that you would have gotten in the three-hour program. Okay, you don't know quite as much, but they, along with the resources pages, will give your staff the leg-up they need to share worthwhile financial information with their patrons. So there you have it. That's Money Matters Pro, brought to you by the New York Public Library and the Institute for Museum and Library Services. And, Crystal, I guess you can take it back for any questions. Yes, and thank you, Kathleen, for sharing these really valuable training resources. And you're absolutely right. You said that you've got probably a resource out there that could exist. And that's why I'm so glad I don't have to send a link to a hundred websites. I'm going to send the link to yours and a few of the key other ones that we mentioned. And then I'm going to let all of you go and visit the Money Matters Pro website and have some time to really see what's available there. I mean, between those face-to-face training materials and also the e-learning modules that you have, I think there's just a tremendous amount there that will hopefully help all of your library staff and maybe even yourself come up to speed a little bit. And I have to confess that for some of this I'm just looking forward to reviewing it myself because I think there's just a wealth of great information there. Now, Kathleen, I do have just one question for you. And I'd like to know what has the response been from the staff at New York Public Library with regards to this training? How has it been received? I think it's been quite well received. People continue to come to the training. We continue to offer the classes and they continue to come to it. There is always still some resistance and there is also, of course, a lack of resources, so people are often trying to find the time. We often hear that they'd love to come to this class, but they have to be on a desk. I understand that that's a problem and that's why we do have those half-an-hour online resources. But we do have a good response to it and we've had a lot of people. I unfortunately do not know how many of our library personnel. I think I'm getting, oh, I guess 243 people went through the training, at least the three core classes. So that's pretty good. Great. Yeah, it sounds like a good response so far. And of course now maybe many more people will be taking part in it outside of your library walls, so that's great to hear. So now I actually have a question to open up to all of you, but before I do I just want to invite those of you who are listening in to put any questions that you have in the chat. We'll get to as many as we can today. Let's just go back there. So we still have one more question for all of you here on the call as presenters, and this came in earlier wondering if any libraries are doing one-on-one or book a librarian type services related to financial literacy as opposed to the larger group type events. And Kathleen, I might send this to you first. Is there anything that New York Public Library is doing in terms of a one-on-one appointment for library users? Yes, definitely. We do it, but we don't have librarians do it. We have a partnership with the Financial Planning Association of New York, and we have one-on-one sessions with the FPA personnel. So they are real financial advisors. The FPA does it free, absolutely free. We offer people half an hour sessions. We also have free counseling sessions, which we call Credit Crisis Counselors. Again, that's not librarians. That is professionals who have been trained through the Financial Coaching Corps who come to the library and will offer people free half an hour sessions. They'll get their credit reports for them. We also now have just started to have a Medicare counselor offered by HICAP. And I'm sorry, I can't think of what that's an issue for right now. But it's another organization. Again, when it comes to advice, we don't think librarians should give the advice. We have to bring in other professionals for that, okay? Great, and that sounds like a wonderful use of some community partnerships. So now, Heather, I'll hand this question to you. Is there anything you've been doing at the Georgetown County Library one-on-one services? I would say what we have at this moment is a little more of a situational thing. If someone comes in and has financial questions, our librarians are just much more prepared to show them where the right books are, which books have been vetted by librarians and also by patrons and been found to be beneficial. And also, they're much more comfortable talking about online resources and which ones are reputable. So that's our big thing right now. Great, and Aubrey, what about you in Florence County? Well, pretty much along the lines of what Heather just mentioned, and I'd like to also go back to Kathleen's point is that as librarians, we're not necessarily going to be giving people financial advice, nor should we any more than we would give legal or medical advice. But as librarians, what we have to offer is the ability to point people and direct them to the correct resources and to what their needs are and get them in contact. And that might be print resources, it might be online resources, or in the case of what Kathleen mentioned, it may be connecting them to a qualified financial counselor who is trustworthy and vetted. And so we are also working with our partners. We have a partnership with the Consumer Financial Protection Bureau as our fellow libraries do at Georgetown and as part of that, they do have financial counseling days. You can work with financial counselor organizations to bring people to your community to offer one-on-one counseling. So it's a great program. And so that's the sort of way that we provide those services. Great, wonderful. Well, good advice across the board for librarians and library staff. And also I'm sure for many of the nonprofits out there who might be on this call today. And so thanks for sharing your perspective on that question and also on everything else that we've addressed so far in this webinar. Unfortunately, we are out of time to answer the questions, but for those of you who've still been sending questions in, we will get back to you via email within the next week or so. So thank you for sending those questions and sorry we didn't get to them right now. But before we get off of the webinar, I'd want to ask you to reflect on what we've just talked about and think, you know, are there any key ideas or tools that you've learned about? What's going to be most helpful for you and what will you do next? Just I invite you to make a brief note on a post-it or a piece of scrap paper nearby so you'll remember it when you have time to come back to this subject or maybe when you get that archive email. I do hope you've learned a few new things and that you'll share this with others. Somebody did ask, are you allowed to share this link to this webinar? And in fact you can. You can get this information out to others and then they'll be able to access the archive as well. It actually would be best if you forward the archive email to them then they might be able to access that as well. So please do share this out with others in your library or your organization. We're just about to end the webinar but I want to ask you to stay on the line until the very end. You'll receive a brief survey where you can tell us about your experience and again that email with the archive materials within one to two business days. We also have some other great webinars coming up in the next month. This Friday we have a webinar on QuickBooks and next week we'll be having one on crowdfunding for nonprofits. Now in November we'll have our next library-specific webinar on tech tools for early literacy to register for any of these webinars. You can visit techsoup.org and browse to the upcoming webinars area of the page. We want to be sure to thank ReadyTalk for being our sponsor today. And remember that if you host webinars or online meetings at your organization ReadyTalk is a tool that can help and you can get more information about this product donation program on the TechSoup website. Thank you all for joining us today. We hope that you'll share your stories with us and thanks to our guest speakers for sharing their expertise and to those who assisted in the chat and on Twitter. Again please stay on the line and we'll see you in the next one. Bye bye.


What is going on guys welcome back to the channel and I appreciate you being here today We are going to go over the recently dropped road map for destiny 2 actual dates people actual dates of Changes being brought to the game this in my opinion is a great great move by bungee something I feel was 100% needed on the path towards Making this game great again, so let's get into it So first up on the road map as you can see it basically tells us for what we've already got with a 1.1.2 Updates, but we'll go through it anyway armor masterworks raid reward improvements Prometheus Lens buff flashpoint milestone fix Lust and found notifications Exhaustics in her oak strikes Mercury challenges on adventures fix clan ingrams from night falls Challenges in quick play this mantle timer for masterwork cores and I call a waypoint fix So that's what we got with the update that dropped yesterday on February 27th. We'll get the 1.1.3 update This is strikes and social night falls scoring and high score tracking. I love this addition in destiny 1 I really did fire team members and destination maps So basically if you bring up your map if you're in a fire team and someone is in a different location to you You'll see exactly where they are on your map So you can fast travel to their location, which is pretty cool PC public text chat Exotic repetition reduction. This is something I feel was needed a while back I am fed up again same exotic four times in a row, but I'm glad to see it's being fixed companion mud shader Interactions that's gonna be cool to play with companion vendor viewing that's gonna be pretty cool to check out too and also nightfall strike unique rewards This I cannot wait to see more of I mean I loved strike exclusive rewards from destiny 1 if they add them into destiny 2 even if it only comes around with Nightfalls here. That's great because I remember destiny 1 you had more chance of getting that specific strike Exclusive loot if that strike was the weekly nightfall So if the Omnigul strike was the weekly nightfall people used to grind that to try and get the grasp of Malak So adding unique strike rewards could be a great great thing Okay, so on March 27th. We'll get the sandbox and crucible update 1.1.4 I honestly wish the sandbox changes came sooner, but it is well It is weapon and ability sandbox changes. Hello strike modifiers. I am banner 66, which is going to be great I am banner at the moment. It's okay And I'm gonna have a video discussing my opinion on that coming pretty soon. So stay tuned for that Weekly crucible playlist including mayhem mayhem was the best thing ever I used to actually came on from about three weeks of destiny 2 just to play mayhem and I didn't regret it It was so so fun. It was amazing. I can't wait for that to return Crucible ammo and gameplay tuning Be good to hear what they're doing there nightfall challenge cards Crucible quitter penalties curious to see what they do there repeat crucible map strike protection That's another thing.  I am banner now I'm getting the same map three or four times in a row can be quite annoying Exotic weapon armor sandbox changes again another thing I can't wait to see what they're going to be doing with there Okay So season three and this will be coming in May a new season of content with the one point two point zero update Eat of world prestige mold seasonal crucible rankings, which we know is a big big thing for many many PvP players I mean, I'm looking forward to it myself I'm not really much of a PvP player but having a rank to chase is a great thing in my opinion Private matches something I believe should have been in the game from the start like a lot of this to be honest Should have been the game from the start, but I'm glad to see it's actually coming vote space increase This is a must for me really is my vote space is full on weapons. I'm not gonna ever use but I'm a hoarder I gotta keep them. I can't delete them. So I need more vote space Just got a way until May to get it multi emote. This I believe is the emote wheel where you can apply one emote to each Of your directions on your d-pad Exotic masterworks that should be pretty cool too to see what happens there seasonal vendor progression That is something I believe we don't think we've heard them speak about in the past so it'd be interesting to see what falls in there and Faction rally improvements. That's pretty cool too and also mud system improvements now We know changes to the mud system and of course system of mods needs changing I mean the raid mods are pretty epic when playing a raid I believe they should drop mods for crucible drop mods for standard PvE I think it would make a big big difference And it's something people will love it then states in small print at the bottom These features are stretch goals that have a chance to slip to a later release which is understandable But at least they're communicating with us now this road map in my opinion this development road map is a great step In the right direction. I mean, let's not lie bungee although had a rough start and I mean there was no excuse Especially on the basis of ending destiny one in a good place destiny two is a poor poor sequel But it seems as though they are making the right decisions going forward whether it's at a pressure seeing how far this game has fellow or not It's definitely what's needed to save the game for sure But yes guys, this is their development road map for destiny to let me know what you think about everything I've covered in today's video down below within that comments section the things that stand out here for me though I definitely nightfall strike unique rewards 6v6 and I am banner her old strike modifiers Definitely the weapon ability sandbox changes private matches for sure Vault space increase and mud system Improvements, but to be honest. I ain't seeing anything on here, which is taking a step back I mean some things are a little slow to arrive, but it's definitely stepping into the right direction But yes guys, I hope you enjoyed the video Thanks as always for stopping by leaving a like really does help me out and hopefully people I will see you on that next one


Well, everybody, welcome back to another Photoshop tutorial. This one is going to show you how to remove color cast, just like this. Here's the original shot. It's got a green color cast, and it's even applied to the skin. And then in the revision, I've taken it off of her. How did I do that? It's very easy to do. Let me show you. Let's delete that copy and start from scratch. First step, select the layer and hit Command-J. So we're creating a copy of it. Now I'm going to right-click on it, and I'm going to convert this to a Smart Object. With that done, we have the Smart Object. We can go to Filter, and we can go to Camera Raw Filter and work with the Camera Raw Filters, obviously. The next step here is to click on the Basic, and then select this Eyedropper tool. When you do that, this is going to be a little weird, because the Eyedropper appears, but what a lot of people don't realize is you can actually do a selection as well. So if I left-click and hold down, I can select this entire photo, and that is not obvious. And when I do that, it has gone ahead and applied the effect. You'll see it's adjusted the temperature, I adjusted the tint, done it automatically.  So what we've done, basically, is we've changed the color cast, and or we've removed the green filter applied to it. Thanks for watching.


Welcome to WTDC17 in Buenos Aires, Argentina, where I'm very pleased to be joining the studio today by Dr. Martha Suarez, who is the head of the Colombian delegation. Dr. Suarez, welcome to the studio. Thank you very much. It's a pleasure for me to be here and to be part of this interview and I'm very glad to participate in the conference. Now, I'd like to start off by talking a little bit about the theme for this conference is ICT for SDGs. In what ways has your country been integrating ICTs in its development agenda? The SDGs are included in our national development plan. And we have also state policy for ICTs. And in that policy we started in 2010. And the first four years, it was the name of this policy is Plan B Digital. And it was created with the main objective of reducing poverty. So that was like how to reduce poverty through ICT. And the second part of the plan from 2014 to 2018, it has been focused on people. So it's Plan B Digital para la gente for people. And what we are doing now is including all the main objectives in our plan. And we have been focusing especially in number one, reducing the poverty. We have been also focusing on education, high-quality education, reducing the gender gap and creating jobs, mainly in the ICT field. And we have been encouraging all those goals through our plan and through investment from the government for those objectives. And what is it to ask you in terms of challenges? What challenges do you face in implementing the UN Sustainable Development Goals? And how do you see ICTs making a difference? The main challenge is to integrate industry, academia, social community and government. And what we have seen now is that it's not only about ICTs, we are just the tool to get to them. And it's not easy to integrate all the stakeholders in this plan. Right now we are creating a change in the ministry. We have created a vice ministry of digital economy. And that vice ministry is integrating health stakeholders, justice stakeholders, education, all of them. So I think that that is the harder part is to have a good conversation with them to show the advantage of technology and to make them part of these development goals. Well, we are convinced that the agenda to 2030 is very ambitious. And we are convinced that if we manage to implement them, there will be a completely different world. And especially for Colombia, we are in a very changing process now. We are changing. We have the peace agreement. We are working on integration and creating one consolidated country. So we are convinced that all of these objectives, not only economic growth, but also regarding environment, water protection, etc., they will improve the quality of life of the people. What about policies and regulatory reforms? What do you think is needed in order to connect the next billion, especially in remote and rural areas? Well, the first is to integrate all the stakeholders, I was saying, because it's not only about connecting them. It's about making that solution sustainable in the time. So in particular, and I'm going to speak from spectrum management. What we have been doing is trying to find how different technologies can complement each other. So we have been increasing the number of connections, broadband connections. Colombia has been very ambitious. In 2010, we had 2.2 million of broadband connections in the country. Now we have more than 28 million. So we passed from 2.2 to 28 million. And that has been a lot of work. But we are convinced that there is not only one technology. We are also working with new systems that are affordable. For example, for rural areas and remote areas, we have approved, in Colombia, the first country in Latin America that has regulation regarding TV wide spaces. So we think that it's very useful for places or cities that have less than 100,000 people. So it's only for those places that are disconnected, but it provides the possibility to have broadband access with affordable price. So that is one of the things that we are working. We are also thinking about spectrum sharing. And in general, what we are trying to do is to create the maximum benefit for society from the spectrum management. And finally, why is this WTDC 17 important to Colombia? What concrete actions would you like to see coming from this conference? Well, we have been very active regarding, first, the strategic view. So we have been working on the declaration of Buenos Aires on the action plan. And we see that there are many points of discussion here. The study questions that have been decided are very important for us. I will just give some examples. We think that PPCR communications for emergency situations is very important, mainly for the Latin American region. Unfortunately, in the last months, we had many different situations that were very hard to face. We are also convinced that broadband connectivity is the first step to achieve all these goals and to include society. We are also supporting actions like, for example, in inclusion, in women inclusion, gender equality, of course. Also, for us, for Colombia, it's very important everything regarding handicapped people. So that's one of the issues we have been working on in this conference. We have been discussing about that. We have also, for example, electromagnetic fields measurement. That's something that the citizens are worried sometimes about, okay, you're connecting everyone, you're deploying infrastructure, but what about health and what we want to give them is like, look, we are controlling everywhere the limits of exposure to the electromagnetic fields and we want to provide certainty to the community that it doesn't affect health but that we have the benefits of connectivity. So there are many, many important points. I would like to point out. And finally, we hear the last couple of days here of the conference. Is there a key message that you would like to convey here to participants? Well, I would like to say that it's been a hard week. I just came for the second part of the week of the conference. But I think that we are defining here like the main structure of the work we will have in the next four years. So I think it's very important what we are doing here. There are many subjects that have been out of the final conclusions. We have been deciding which are the most important ones and I think we have the framework for the next actions. And what is important also now is that all the countries make part of it that we share the best experiences and that we continue with the capacity-building activities of ITUD in order to create a better environment for technology development. Dr. Mathis, thank you very much indeed. Thank you very much.


Our next guest is Ricky Karuth, is that pronounced that right? You got it. Awesome. Thank you for joining us. So Ricky is a real estate agent in Gulf Shores, Alabama, which we've been there. I love it there. If you find a beach house there, let me know. I want to get an Airbnb over there. He dropped out of college to start selling real estate at 20 years old. Within three years, Ricky made a million dollars, but lost it all in the real estate crash. After sleeping in his car and reading 100 books, Ricky rebuilt his business, and by 2014 was selling 100 houses a year as a single agent. That's so impressive. He is a prominent real estate coach, mentor, and educator through his free zero to diamond. So that is awesome. Welcome. Ricky. What's happening? Hey, it's a true pleasure. I've been following you for a while and we've really never connected before this, but your content's out there. I've been consuming, love it. And ultimately you're the real deal because you're in the trenches. That's what I always appreciated folks that are in the trenches. Nothing against full-time educators, but there's a certain amount of respect. Selling 100 houses and providing tactical information that works today. That being said, how are you preparing your clients to succeed in this crazy low inventory market? I hate to take it this direction, but you don't really have to prepare clients for stuff. The market kind of prepares, you never know what's going to happen. So how do you prepare somebody for something you don't know what's going to happen? So everybody knows the market's on fire and that there are fewer houses per sale. Everybody's fighting over every listing. If you represent a buyer, chances are they've got to lose a couple houses before they realize how aggressive they really need to be. And too many agents are trying to figure out, well, how do I get my buyers offers accepted? It's easy, offer the highest price. It's not rocket science. So it really comes down to price. When you're representing the seller, again, it's going to come down to price. Sure, you want to look at certain terms. You want to make sure of this and that. There's no red flags. And you don't want to be in the mindset of, oh, well, we can just take this. If it doesn't work out, we'll resell it. You don't know what's going to happen. I mean, the market could turn on a dime tomorrow. You never know. Burn the hand always. Trying to make predictions is a losing battle every single time. Back in 2003 and 2004 when the market was just like this, I thought it was going to last forever. I didn't think it would crash and burn. That's why I eventually lost everything because I was wrong about that. I wasn't preparing for it. So that just goes to show you, you never know what's going to happen. I say, be prepared for the worst. Hope for the best. And let the chips fall. Our job is just to push as hard as we can to help people do what they're trying to do. And whatever comes out the other side is what happens. You can't really, to be honest with you, a lot of people think you can control situations. You have zero control over what that outcome is going to be. The only thing you have control over is, are you doing the best you can do to provide the best service to your client? And that's all that matters. Everything else is kind of secondary. But if you're doing a good job with that, you're naturally going to close more deals than you can handle. And that's really the name of the game. And for buyers, you made a good point. I mean, we know what might probably get a deal done, but if this is their first offer, especially in this market, maybe the first time home buyer, they don't really know what they don't know. And going through that experience of rejection when they completely lose out in a deal, that's humbling. And then it starts to put in perspective what they might need to do for deal number two. And probably through that process, they'll end up planning a house that probably makes more sense for them or even better than the first one. I think one thing is that there's actually a few buyers now than there were a year ago. People know that there's bidding wars. And most people that don't have to buy are literally just stepping back right now, giving it a moment, giving the market a second to breathe, letting this cycle of the market pass. That's one cool thing with the market right now. There are buyers who are out there super motivated buyers. You have to be.  So there's hardly any tire kickers right now. Everybody's super motivated buying and selling. You're super motivated. Let's face it. If you're a seller, there's nothing to buy on the back end. Now you're back in the same position you don't want to be in. So a lot of sellers are sitting on the sidelines as well. Buyers and sellers sitting on the sidelines right now. Tons of buyers and sellers you don't have to sell sitting on the sidelines, which is incredibly interesting to me because what does that equal? It equals pent up demand that is continuing to build, to build, to build. And it's going to get to a point where it explodes. And these sellers who want to sell because the market's on fire, but there's nothing to buy and they don't want to leave money on the table so they want to wait to the very top. They're going to realize it when it levels off and then boom, market's going to get flooded. Everybody's going to figure it out at the same time. Same thing with the buyers. They're going to realize there's a slow down there for a second and all these buyers who wanted to upgrade, they want to. They don't have to. They just want to upgrade their house. They're going to come out the woodworks because there's going to be options. So when this thing does turn around, it's going to be like an earthquake now, like an explosion like we've never seen. And it's because of how long this cycle of the market is. This cycle of the market could last a while. And the longer it lasts, the larger that explosion is going to be at the end of the rainbow. No one really talks about that. Nobody says anything I say anywhere. A lot of the conversation is bubble, bubble is going to crash. It's hard to crash a market when you have 50% to 60% of the inventory gone. I'm not saying that can't happen. The whole bubble crash thing, it depends on who you are.  That's risky. If you're a real estate agent, there's absolutely zero risk in the market right now. If you're a real estate agent succeeding in this market, like your next 10 years look great. Really, really good. Well, there's zero risk. There's zero risk now. There's zero risk later. There was zero risk when pandemic came into play. There was zero risk during 2005 when I got out of the business. I just didn't realize it. I didn't understand how this thing really works.  They never stop. We get paid a commission on a transaction. Transactions happen by the truckloads every single day. As a real estate agent, as a homeowner trying to flip a house that you just overpaid for, yes, scared. As a real estate agent, why are we even talking about a bubble, a crash of this or that? A market correction would be the best thing that ever happened to real estate agents. Imagine how easy it would be if inventory comes down. Demand comes down. Prices come down.  Demand comes down. Prices go down a little bit. Think about, and this is the explosion I'm talking about. Just think about how incredible. It's going to be euphoric for real estate agents. When prices come down or level off, the market gets flooded with inventory, and all of a sudden here comes the buyers as well. There's going to be a window of opportunity. It may only last three months. It may last a month. It may last six months. I don't know how long that window is going to last, but it's going to be a euphoric moment for real estate agents because you're going to have people who really want to buy and really want to sell that have been waiting to do that from last year when this whole thing started to now to whenever this thing ends. Love it. Love it. Hey, Tim, let's go by Quick. But do a quick shout-out to your programs. I know you have so much amazing content that it helps a lot of people, so go ahead and make that plug. Guys, just go to Instagram. The link in the bio says it all. I've got everything there, and I answer every single message on Instagram, so if you want to say hi or ask me a question or I'll do anything I can do to help you guys. I don't have a program. I don't charge anything for anything. Everything's totally free. I've got a course, 90-day action plan, books, events, even my event in Miami that I just announced. Totally free. There's already 500 agents lined up for that. We're going to get 1,000 in the room. So, yeah, whatever I can do to help you guys out there. Ricky Karuth, just look me up. Appreciate it. Thanks, Ricky. Thank you so much. Thank you.