I very much enjoyed the last few days with you. Listening to that talk gave me some feelings. And I wrote some notes, you know, that are different than I think my originally planned beginning to this talk. Hello. To say that, you know, I'm so I'm feeling just a little bit of overwhelm because the things I'd like to tell you about are they're big in scope and deep in process. And for me, so kind of profoundly important that I feel it's kind of something to be able to introduce them to you. And so I'm going to use just two or three stories, a little introduction at the beginning and then just a couple of stories to try to illustrate some principles and give you a feel for some of the methods. But they're important to me because I believe that any of us who want our work to somehow make a step towards a more equitable and sustainable future for us all, that there's real power in these methods. So participatory. I did a little homework because I know there's been participatory design since the 60s, starting in Scandinavia. What do we mean by that in the world of UX? So what are people talking about when they say participatory design? This is just one article I pulled. There's a lot of them. But here's a quote from that, viewing participants as subject matter experts, involving them in the process of co-creation. We can start to see their needs differently and understand how our solutions can fit into the bigger context of their lives. So it's interesting, their inputs to our process to produce our product. And this is fairly typical. You get methods like a love letter, a breakup letter to the product or the company, lots of making activities, prototyping, role playing, these kinds of things. So there's a whole body of methods that sometimes it gets called co-design, sometimes participatory design. It usually comes in the form of an afternoon or a day workshop at a couple of points in the process. Well, those methods are helpful for some things. I'm glad that we're doing some of this. It is helpful for really listening. There's something that Jared Spool is saying about exposure time and surface area of the organization and how that helps a team deliver products that people like and care about. But it isn't real participation, I'm sorry. You know, the goal of the work, the definition of good, who the work benefits, who it leaves out, the process of creation, the choice of who to listen to, who not to listen to, what people's stories mean. The pool of ideas and concepts, all of those are still on the hand, they're still central in the hands of the sponsoring organizations, sponsoring companies, the team doing the design. Well, since about 2009, I and my colleague, we said, like, you know, can we learn how to start with social questions rather than business or product or technology questions. What tools do we need in our hand? Because design process by itself feels like a kind of a dull knife when you start to look at real social complexity. And this says three quick stories. I couldn't fit three in, there's two stories. And just to illustrate some of the principles that we've come to trust. So the first story is the scale and scope is a group of people in a room for a day. We'll get bigger in scope with the next story. And the setting is a nonprofit in the United States who advocates and educates for, well, people to take better care of animals and hurt them less. And in particular, a division that works with urban wildlife, so deer and coyotes and raccoons in cities. Our initial conversation with them and went something like this. They said, they operate kind of like an ad agency. They put out these campaigns of education and please don't kind of stuff. And they said, you know, we've been doing some metrics and we realize our campaigns aren't working, behavior isn't changing, the numbers aren't going down. And one of our questions was, well, how long since you talked to somebody that's mean to animals? I'm like, oh yeah, you know, you could tell the attitude was like, well, they're bad people. There was a real judgment in their response. We don't talk to them. Okay, let's do this. We arranged for four people to come to the day. One who had a career of being mean to animals in the horse racing industry and since has kind of reformed as an advocate in the other direction. One who overlaps, who collects wild animals in her backyard, which is also not helpful. A city official who gets the call. There's trouble in this neighborhood with coyotes. And someone who takes care of animals who've been on the receiving end of some of these treatments. I'm going to go pretty fast through it just to give you a feel for what it was like to do this kind of work. It's a method called collective story harvest. But first, before the storytellers came, so who's in the room is a vertical and horizontal diversity from this organization. So levels of power and different places along their creative process and their production and measuring process, yeah? And we just say, okay, here's who you're gonna meet. What are your assumptions on sticky notes? What are their motivations? What are their drivers? What pleases them? What are they afraid of? What displaces them? What are the influences? The force is pushing on them. What's going on inside? So they just made, they captured their assumptions. Then we gave them a job. It's a real challenge in a situation like this to get people to move their center of attention outside their judgments and just hear, just listen. So these listening lenses give everybody a job to do. Listen for the key moments in the story, the decision, the point where they could make a decision one way or the other. Listen for anything they say about their inner experience. Listen for who else is there and what the relationship is and what communications are relevant to their story. So here we are listening to the story, busy doing your job, no time for judgment, you gotta capture, yeah? Works great. After the stories, there's some nuance to how this goes. I'm going quickly. But after the stories, we updated our learning. We've made our learning explicit. Which of our assumptions turned out not to be so? What new things did we learn? Where do we want to update the way we described what's going on? So now we have this picture of the group together has made their learning explicit. And then we synthesized the stories into these journey maps where the events are across the top, relationships and communication, inner life, kind of this emotional arc. And you can see that they notice things like it's behind the words there, it goes, a shamed of true nature. So as part of this story, one of the storytellers had talked about when he was 12 years old and he's walking in the fields with his uncle and his cousins. And I don't remember what kind of animal it was. I'll say it was a turkey. And they said, there's a turkey. Shoot it. And the 12 year old shot the turkey and immediately felt regret. Immediately felt bad about that. Our friends at this agency had a moment over that. They go, when he was feeling bad, what was our message to him?  Our message to him was don't do that. We, no wonder, no wonder behavior is not changing. So by the end of this session, they had captured there on the left, this is the, these are the messages we've been sending. We've been persuading, we've been convincing, we've been trying to educate. We've been treating them as a target audience, a hunting metaphor, by the way. But then they generated some new words based on this sense of real connection to these people they just met and liked. Equip, connect, provide, journey, partner, create for, help, inspire, invite, open, care, force, support, ease. They had a transformed design brief. There's some excitement in the room. There's a sense like, oh, we've hit something that matters. Was this participatory? Well, kind of, it was, I would say it was an opening of the door for a group of people in a process that was absolutely not. It was a closed process. No window or door open to the outside world to real life outside their office. And so as a result, they not only have this new, this fresh and design brief, but they have the question, how must our process change so we don't fall into the same pattern again? So this illustrates some principles. These are some things that we use in our office to think about this kind of thing. Take time to convene across differences. Help people suspend presuppositions and judgments. Start by listening. Every time, first step, listen. Attend the conditions we're gardening here. Not make, not being carpenters of solutions. And an explicit goal of the activities of the designing of these sessions is to increase relatedness. Another story. So now the scale is a whole institution, a university. And this, I don't know, it's kind of early, but it's at least a year and I hope it goes out further. And I'll say that such a private university in the deep south of the United States. With the pre-Civil War, its founders were Confederates, making an institution in defense of the values of slavery. Explicitly, it's in the Wikipedia story for this university. And now students and faculty and administration are asking, what's a university of the south in the 21st century? Who do we need to become? We're not equipped, we're administrators and professors. We're not equipped for that kind of, we have no creative process to live into that question. So we've just started to engage with them and they decided that a good practice run would be the easier but still very difficult thing of taking on the dysfunctional social life on campus, which emphasizes heavy drinking. So can we shift that pattern? Is there a question? A couple of, I don't know, terms or principles. We find it very useful. Power always comes up in these things. The Board of Regents, old gentleman, white gentleman. It's useful to say, executive authority, people who have money, who can make decision making, who can set policy, process authority, people who can help us move this thing along. The authority of lived experience, people who live the current situation or the ones that are gonna be living the future situation. They know what it's like to live this situation out. If we think of those as peers in the creative process, three peer authorities, now our conversation changes. Another principle I've already mentioned, think of ourselves as gardeners, not carpentries. This is not a process of deciding what campus life should be like and then executing it, implementing it as though it were a building we could construct. Instead, it's something that has grown out of the current conditions. It's a pattern of behavior and relationship and belief. What, under what conditions, and by the way, there's nuggets of better, already present. Almost always what needs to happen is already happening. It just needs to be fed and grown and garden. Lastly, I'll say that we're starting to work with a notation, we call it a participation strategy. So if we're thinking, taking seriously participatory, well what's our strategy for engaging all the voices, for leveling power, for nurturing the conditions? So these are kind of the big movements and then there's some other ways you can draw bubbles inside these things. So let's talk about the listen part. So E, executive authority, said okay, go. People, we grant people time away from their other duties. We give you space, we give you equipment. We'll pay some people. P, process authority, that's us. And then that's students and faculty and administration and staff. So we did a lot of phone interviews. We had a lot of lunches and dinners. There's about a month's worth of effort in that box. And that helped us design the next thing, which was a big gathering, deliberately convening representative diversity of the campus. And the goal is, there was just a lot of cynicism. This can never change, this can't change. And I don't trust those people. Administration's gonna be there. Let me tell you what they did last time, right? So there's just a lot of that coming into the room. So I'm gonna just quickly show you some of the activities that we did. I don't know if it will make sense as a connected story. I hope it gives you a feel for what happened in these two days. One thing is that people walk into something like that with sort of the ghost of ritual complaint. The stories that we repeat over and over again to each other and to ourselves until we believe them. And those ghosts are present. They come in with everybody. So we did this thing that's called liquid courage. It's mostly people walking around, these people are sitting, but it's walking around completing sentences of complaint. If only they would, they make me. If they would blank, then I could blank. So here's deans, students, new faculty, old faculty, people of color, LGBT, all these kinds of people are in the room complaining. How leveling is that as a student to discover that the faculty member has complaints just like you do. The dean feels powerless for change. So the ghosts are banished. And we're more like one group now. Then we have a session that's about what's going on. Anything as complex as a social situation, more than one truth is legitimate, right? Depending on where you stand, how you look at it. So many people are right, even though they say something different. So let's put these points of view together and make a picture on the wall of what's going on. They never had this before, a map from many points of view of what's going on. Oh, now we're a little more together. What does a good culture feel like? Let's go back in our memory. Get kind of a vivid image of a time when I was part of a thriving group. It was great to be there. I loved the people in the relationship. I look forward to being part of it. Good things came out of it. What are those qualities? Let's start to maybe feel some recognition of what could be. Now something called World Café around a question of what's possible. So this mixes up people. We'll have 20 minutes of conversation, mix up the tables, have the same conversation again with new people. That's sort of, can you read the question? You can't really. But what declaration of possibility can you make that has the power to transform and inspire you? Now here's a table. The chief of police is there, faculty, students, and a dean. And like students thought, if we try to erect a temporary shelter from the sun to just sit out in our chairs and read together or have a picnic, the police will make us take it down. The police goes, why would I do that? So they're just right there talking about these possibilities. And we're just starting to get the conditions for co-creation. 20 minutes of what if we were 10 times bolder? Generating ideas, what if I had no additional authority or resources but I was just bolder? What could I do? So how comes 30 ideas? 10 of them bubble to the top as crowd favorites. And then an open space that took a good part of the second day. Open space starts with a blank agenda, which is populated then by asking people, what's a topic that you're passionate enough about, you believe in enough that you're willing to host a conversation for whoever comes about that topic and generate a document that suggests what would it take for this conversation to continue after the workshop? So there were quite a number of those. And one of the outcomes of that is like, well, what's worth trying now? So this is just starting to get to action items. The main goal of this remember was to increase relatedness and belief that change is possible. That was the job of these two days. But that belief tied to some possible next steps is helps people not be so cynical. It's something to tie their hopes to and something to engage in, a place for the passion to go. One of the last things we did is we, in the beginning we had this imaginary axis on the floor and we said, okay, here change is absolutely possible. Down there, there's no way it'll change. Stand where you think you want on that axis so people stand scattered along. And I have agency to affect change on this campus. Yes, no, stand where you want. This is people crowding up against the yes wall at the end of the second day. A real weak sort of this kind of physically manifest hope, not hope, like actionable hope, not optimism or pessimism, but hope. So that's another story. It illustrates some of the principles that it offers are that the people who live it now are the people who will live the future. Let's not have them just be inputs to some expert's creative process. Let's have them be the team of the creative process. Let's equip this culture to create for itself. Convene diversity and power and level their voices. They're all humans. Relational outcomes before practical outcomes. Increase relatedness and agency. Skilling, one thing I was thinking during the talk about emotions is that this, it's in a day or two, we can boost people's emotional skilling. It's not that hard. It may be hard to put into practice, but scaling the sense of confidence and confidence that I can create together and that I may not even have to like you in order, or I may not have to like you in order to create with you. Can we get past the idea that we have to all be at peace before we can create? This is a community of people that is not completely yet at peace, but they started to believe they could create together. Garden the conditions for experimentation. Let go of control. This is one of the hardest parts. 10 years, I still have trouble with this. Let go of control. Trust that good things will grow. Be a carpenter, yes, when something is truly ready to be built, not gardeners exclusively. I have no idea where I am for time, but I'm gonna say this, this is something's going on. We talked a little bit about this in the workshop yesterday. There are multiple communities of practice in multiple sectors, working either at the kind of systemic approach level, working at the group and community level, working kind of at the interpersonal and personal level. This stuff is a little scary.  You're gonna meet strong emotion. Who do we need to become in order to stand in that and nurture conditions for creation? It's all kind of starting to come together. It's a very exciting time. And so here are a few resources, and I hope these slides will get into your hands. And I wanna offer one other point. It feels, I think I'm starting to feel it's important to say whenever I'm in a room like this, I don't know you, forgive me if this doesn't need to be said. But I'd say that if nothing else, if none of these things that I've said relate directly to your work, there is an aspect of taking participatory seriously that matters to us all. I think that if we want to create a future where everyone belongs, we want a sustainable and equitable future, and we have this participatory idea, that means it's not only up to the experts, we have to include all of the voices in the work, which means in our organizations and in our teams. It's a very interesting Google search. Google Decolonizing Design. It's a friend in Carnegie Mellon that just did his PhD dissertation, Decolonizing Design. You'll get good hits. Here's a little list from Ann Ditmeyer. There's something going on in the tech industry as well. I imagine you're aware of it. Being a little less monocolor, monoculture, mono voice in our work of creation. So also another reason that it's exciting because this conversation is coming to the foreground. So I feel honored to be working in this age. Well, I'm gonna stop there. This is my contact information. I welcome your emails or your tweets.  That's all I got. Thank you, folks. Thank you.


Ang video na to ay handog ng CDKoffers.com Maram kang mahanap na ibat-ibang uri ng software dito May games, apps, activation codes, or Windows 10 Check out our video on CDKoffers in the video description Mabilis, mura, and, of course, legit dito Madalil ang mag-order, search for the software you need Add to cart, check out, dan ka sa payment options nila Wala pa isang minuto, finished May legit working CDK ka na sa software na pinili mo Kamitin ang aming promo code para mahakahuha pa ng extra 20% discount sa purchase mo Kung naghanap ka ng mura, legit, and original software, check out CDKoffers.com I have supported two monitors for over 12 years now and there is no way I can ever go back to a single monitor It isn't because it looks cool And it's more than that, two monitors has given me more of my life back I can finish things I need to do, not just quicker, but more effectively With that said, does that therefore mean that three monitors are better than two? And is it better for gaming? I'm Rafael from Hardware Sugar and ASUS just lent us three ROG PG-25 9QNR 360Hz monitors to allow us to test that hypothesis After seven weeks of use, here are the top five things to know before getting three monitors and what monitors are best for you Number one, do you have the proper table? As Anton and I were unboxing at admiring these gaming beasts our excitement was short-lived with one problem One of the boxes didn't have a power adapter While ASUS sent us a new one two days later, we didn't want to wait and so I began to install my old 34 inch ultra-wide Samsung monitor and matched it with the two ROG monitors Instantly, I discovered that if I didn't have this insanely lengthy and sturdy table to begin with it would have been impossible or even dangerous to have them on it to begin with In short, you need to have a physical game plan Are you going to use the accompanying monitor stand? If so, then you need to have a strong and lengthy table I have talked in the past about how the popular IKEA linman desk is not the most sturdy of desks and the middle bend is always a risk If however you want to get a linman desk or something like it then I highly recommend placing a support pillar underneath it in the middle My desk is inspired by the linman but instead of being made out of particle board wood scrap the table top is 3.5 inches of pure mahogany and after a close to a year, I don't see any bending whatsoever In fact, I feel so confident at its strength that I even sit on top of it occasionally when I want to reach for something behind my monitor If you are in the market for a new table then consider getting a table with a cable management built in and a table with a thick width in case you want to add a Vesa amount grommet If it is too thin, the mount won't have the support it needs to be mounted Another option is to just keep the table as it is and mount the monitor to the wall Take note that not all monitors are Vesa compatible like my old Samsung so that should be something you should research on in advance Even if you don't intend to mount the monitor at present I still highly recommend you get one that has a Vesa amount for future proofing purposes Gaming can be weird Each of the monitors are non-curved and are 24 inches wide multiplying that by 3 that makes a combined screen service area to be 72 inches This is a lot of screen space but does more space mean better game immersion If you've watched other YouTubers and looked at Instagram shots of users claiming that the best gaming setup involves three or more monitors put together, I warn you that I think that this is overhyped and unnecessarily expensive Playing COD in battlefield with three monitors even if they are the same refresh rate is amazing to look at if you are looking at it from afar So actually a game like this is impractical and nauseating I'm 32 and have been a gamer all my life but more than 15 minutes playing like this on COD and I wanted to throw up The mini map is on one end of the screen and the ammo counter is on the other end I felt like I was piloting a plane and I was playing Commando The bezels also take me out of the experience as it is difficult to align the monitors to the exact same height You would be much better off with a single ultra-wide monitor like the Curved Samsung 49 inch CHG90 as opposed to several smaller monitors Where it does shine however is Microsoft Flight Simulator Flying with these monitors really almost feel like the real thing This is because this game isn't about fast reflexes Of course you could make it that kind of game However instead Flight Simulator is all about the views If you haven't read up on the game yet the highlight is that you fly from any point to any point in the world and the game is able to render an accurate presentation of anywhere you are Looking out at the BGC complex while flying over EDSA just before flying back to Glareta Mall and other landmarks is immensely gratifying and the three monitors really gives me appreciation of being on a plane again without the fear of getting COVID in the process I haven't tried it out with raising simulators for this simple reason that racing games don't interest me and while having three expensive gaming monitors run Flight Simulator is fantastic it hardly justifies the cost especially since Flight Sim is sort of a class all on its own and what I mostly play are FPS, 3rd person adventure games and RTS games All three ROG monitors are identical with a high refresh rate of 360Hz and so simple things like moving your cursor to the left and right all feel like it's just one massive monitor However, ordinary people like myself, just like buying a new monitor to supplement their current ones In my case, my newest monitor is the MSI Optics MAG322 CQR which I use for gaming Originally it was my 60Hz Samsung Ultra Wide That one however has been relegated to being my secondary monitor In short, a lot of people don't buy three or two monitors in one go and so when they pair up a monitor with a lower refresh rate with monitors which have higher refresh rate you will notice a difference in speed instantly the moment you move your cursor and it can be irritating There are two ways a monitor connects to your PC's graphics card Either through the display part which is what you should always use as much as possible or through the HDMI cable The display part will always give you faster refresh rate Even if you have the same model of monitors the one plugged in through a display port will always be faster than that of the one plugged in through an HDMI cable If you are a light gamer or not a gamer at all I believe that 60Hz is perfectly acceptable and you should get monitors with the same refresh rate so that it is less disorienting when you move your cursor from different monitors However, if you are like me and you want to be a little competitive when you game I'm used to having a 165 frame rate monitor as my main and a 60Hz ultrawide as my secondary in spite of the annoying feeling of being throttled down every time I switch between monitors Perfect for multitasking Having three monitors allows me to spend less time doing the things I'm not passionate about but which needs to be done and more time on things that I do care about A lot of which are things On my broadcasts like our regular Pwede Magtanong Show one monitor has OBS on the other on Discord and the other monitor I use to check Youtube and Facebook just to make sure that the feed is showing up as it should I honestly cannot imagine doing this with just a single monitor even on ultrawide Paying bills every month is a pain but it is important to always be well organized I pay the bills for the whole family so that means everyone's cell phone accounts I pay more than 50 to 20 different kinds of bills a month and I have a master spreadsheet which I update the moment I pay a bill So one monitor carries the master spreadsheet while the other is an online banking browser which allows me to pay the bill itself The third monitor is my Viber and WhatsApp window I like sending the family updates about the changes in their respective electric bills the moment I encode For stop trading, I have one monitor showing the historical trades of the company I'm studying Another monitor is an Excel sheet of the companies I'm interested in studying and the prices I want to sell or buy at And the other monitor is usually my Bloomberg account which shows all the current stocks I own and their current value This beats having to minimize windows over and over The software is easy but tedious Setting up the software for the monitor layout is easier than it looks To be honest, what discouraged me from experimenting with more monitors in the past is because I was concerned it was going to be a complicated to install The truth is that it is easy to do but it can be annoying because of how often you sometimes need to make adjustments There are two ways on how to use a multiple monitor setup The first is the surround spanning option which makes all the monitors turn into just a single ultra-wide monitor In this mode, windows will just assume you have just one massive monitor regardless of the bezels So, when you open up programs it will fill up the entire screen This is the mode you want if you want to have the ultra-immersive gaming experience This, however, is not practical for simple things like Microsoft Office surfing the web, and even video editing For video editing, for instance, I have to resize the Vinty Resolve each time and even that with the resize some parts if it gets cut In summary, I have to go to NVIDIA CONTROL panel because I use an RTX card to run surround make sure the monitors are properly aligned which sometimes they aren't and I have to guess which monitor is which because unlike the Windows program for that, there is the occasional problem of windows lowering their refresh rate for some or all of the monitors and I need to manually reset the frames to their maximum Can you imagine doing this every time you want to play a game for just an hour and do it all over again afterwards when you're done? It's maddening! As cool as it looks the game with all three, most of the gaming experience is just cool to look at but not fun Unless, of course, you are playing something like Microsoft Flight Simulator I really wouldn't recommend it The second method is to make each monitor a separate window from the others Instead of a program filling up the screen of all three monitors, it fills up the screen of just one monitor of your choosing This is the setup I prefer because it makes me an effective worker To set this up, you don't even need to use the NVIDIA CONTROL panel You just right-click in Windows, select Display Settings select Identify and rearrange the monitors as you see fit You can arrange the monitors based on how they look like if you want one monitor to be in portrait and the other to in landscape just select it so If you want a monitor above another monitor just drag and drop In conclusion, we always recommend a multiple monitor setup because it gives you your time back to focus on things that you care about Gaming on multiple monitors, however, is expensive and sometimes impractical because it requires several high refresh rate gaming monitors which aren't usually cheap A very powerful graphics card and it also forces you to alter settings In short, if you aren't work from home and still use a single monitor please consider adding more monitors to allow you to do your work faster and better If you're looking for the best gaming experience I recommend investing in a single gaming monitor with a high enough refresh rate and a screen resolution you can afford and thereafter use your old monitors as productivity monitors Stay tuned for our review of the ROG PG-259 QNR and more ergonomic chairs in the near future and you want to give a special shoutout to our top fans Again, thank you so much for all your support and for tuning in to our livestream I see a lot of you Till next time guys


Good day fellow investors. We continue with our review of Benjamin Graham's The Intelligent Investor and today we'll discuss chapter 4 which discusses the allocation between stocks and bonds. It might sound crazy in this environment that we'll be discussing bonds as who touches bonds now but portfolio allocation between stocks and bonds or cash is crucial for long term successful investing. So stick with me but before that I'm really curious to hear in the comments how much bonds or cash or any similar investment savings do you own now. I bet it is a little bit but nevertheless it is a key component of long term investing and we'll discuss that and see what Graham had to say about that in 1972 which is a year that is similar to this year as stocks were relatively high and a big drop happened in 1974 and it took 10 years for stocks to regain that territory. Let's start. The chapter starts with Graham's view on risk and he says here clearly I agree with him which is opposite than what the market is saying that low risk does not equal low return and high risk high return. He says that low risk can equal also high return because a well researched bargain is much less risky than a bond. In many cases there may be less real risk associated with buying a bargain issue offering the chance of a large profit than with a conventional bond purchase yielding about 4.5%. So here Graham tells us that when you do a lot of research when you really know something is discounted and the bargain it has low risk high return high potential return. On the other hand if you buy a bond with a 4.5% coupon if interest rates double then you lose 50% of your money which is very risky especially if it is a long term bond. So Graham agrees with me perhaps I got it from him and Buffett low risk high return investing. And now let's go on the portfolio location with bonds and stocks. Now everybody is saying that in relation to age you should divide you should deduct your age from 100 and that's the percentage you need to have in bonds. Okay that depends on a personal situation but Graham looks it from a different perspective from a market timing perspective where he says when stocks are overvalued you have just 25% in stocks. When stocks are cheap you have 75% in stocks and the rest in bonds. He compares the dividend yield with the yield on the bonds for valuations. The current environment is such that the dividend yield is 1.8% while the treasuries yield depending on the maturity of the bond is from 2% to 3% corporate issues 4% high yield 5.5%. We'll touch later also on high yield. So now you compare those two numbers and you see that bonds are a little bit higher than stocks the earnings yield is a little bit higher with stocks so you might see how are you going to position yourself there depends on your risk reward preferences. If you have a good appetite for risk and you can handle whatever can happen and that's something we're going to discuss today's forum tomorrow that we all think one way of what we can handle when it happens but then 90% of us will act differently and that's why I will make a video on how to prepare yourself psychologically for what can happen so that you can handle it properly and not to do the wrong thing at the wrong point in time. Nevertheless back to Graham he says that when stocks are expensive I think stocks are expensive now 25% of portfolio in stocks. Then in 1972 he was not convinced about his very conservative strategy even if he was spot on right but he was not convinced so he said 50-50 the best strategy and then if stocks go to 55% you sell 111 and then you are always at 50-50 and you change your rebalance in relation to 5% portfolio this balance so that's one way of looking at it. However the key to each strategy when you say okay I'm going to do this or I'm going to have 50-50 or I'm going to a rebalance between expensive and cheap is that you stick to it over the long term because that is more about managing portfolio risk than anything else and when you control the risk you are guaranteed you will reach those returns in the long term. However there is always the basic problem with such a portfolio location if you would have said in 2015 that stocks were expensive which they were historically you would have missed on this. So the SAP 500 is up 25% in the last three years and if you would have held just 25% of your portfolio in stocks you would have missed out a lot and on the other 75% you would have gained probably zero to 1% which is less than inflation as the interest rates were very very low. If an investor can act as a cold-blooded wearer of the odds he would be likely to favor the low 25% stock component at this time with the idea of waiting until the Dow Jones index dividend yield was say two-thirds of the bond yield before he would establish his median 50-50 position between stocks and bonds. So we said stocks are expensive let's now see what are bonds and the main question now with bonds is short term or long term that's always the question with bonds if you buy long term you fix the yield you are sure that you will get your coupons if you go for the short term you never know what will happen next year if interest rates will be higher or lower well as interest rates are still relatively low a little bit higher than they were a year and a half ago I would say that perhaps it's still better to keep short term treasury especially as the yield curve is flat. The yield curve means that the yield between the short term maturities and the long term maturities is not steep like this but is flat which means that there is not a big difference between long term yield and short term yield if interest rates go higher then the long term yield value of the bonds loses a lot of money because people are calculating in a higher yield therefore bonds are too risky now so I would say if you are a defensive investor to whom Graham is dedicating this chapter 25% in bonds and 75% in short term treasury maturities that give now 2.5% which is a good return if you're from Europe I don't know if you're from Europe try to find interest rates are going a little bit up depending what country you are in Europe there can be found some yields that are a little bit higher and safer. Don't look for high yield because that's very very risky you might be attracted by the five six seven percent dividend yield but those high yields are the highest risk of everything because when now it is five percent let's say the high yield when there is trouble that goes to 10 and it went to 22% in 2009 which means that the value of your stock of your bond can half or lose even 70% so it's not worth the five percent yield on the high yield junk bonds is not worth the risk. Here is the treasury yield curve you can see how it moved over the last three years in 2015 it was a little bit steeper with short term maturities yielding practically nothing and now it is much higher as the Fed has been increasing interest rates tomorrow I'll make a video about how the yield curve indicates that there could be a recession and what's going on in the economy based on what the yield curve can tell us. So the current problem is that stocks are overvalued but bonds can be overvalued too the best protection then is short term bonds when you know what you will get and you can always buy in the new yield a little bit later. The key takeaways for today are that it depends also what kind of investor you are defensive investor or an aggressive investor defend we are talking now in this video about the defensive investor so if you're a defensive you don't like risk then a high let's say short term treasury allocation would be proper if you are more aggressive we'll be talking more about that because then everything changes and I really think that we can find good investments even in this environment that will do relatively good over the longer period of time. As always Graham tells us that investing is about the risk reward and not just chasing the highest return all the time being patient even missing out on some gains will lead you to more stability and a certainty that you will reach those financial goals. Thank you for watching looking forward to your comments your cash bond stock allocation and I'll see you tomorrow in the video about the yield curve


How's Thailand gonna have two seven elevens two doors down from each other? It's like Starbucks in America. They're not connected. What's up?


Hey there friends, thanks for checking in today. We're looking at the Bursa BP 9 CC this gun has been around for I would guess five years now and When I first checked it out. I said this thing is cool. It's priced right. It's got a great feel to it It's a Palmer frame striker fired single stack nine millimeter that has a great feel in the magazines carry Eight rounds and I said that's something I really want to check out and it's been Four or five years now, and I never got around to it So I'm super excited to have the BP 9 CC in my hands for review for range time and everything else because it reviews well and the trigger is Very light with an extremely short reset and we're gonna check that out But it is a budget gun 302 dollars is the MSRP Right around 250 we'll get you this BP 9 CC Bursa pistol nine millimeter CC concealed carry. So let's check this out eight round magazines And this gun is unloaded. It does have a magazine disconnect not a big fan of that But this has it but check this out Very light pull. I'm actually gonna get that on the scale Trigger scale and there's your reset. Have you seen a striker fired gun with a with a reset this short right here? I mean that is Short a very fast shooter, but this is what I want to show you Okay, cuz I'm measuring this. Let's make sure it resets. There we go. I am measuring this Sometimes below four pounds. We're just gonna go ahead and pull there and that is right Below four pounds, but let's let's try that again Just to be on the safe side here. I don't want to mislead anybody And there's the exact same position right below four pounds so it has a very light trigger and Once again the reset is right there for the follow-up shots Let's go through some of the features because it's a pretty nice package here We do have a little different type of grip All right, it's got some lines angle cut there not not not aggressive shouldn't rub against your skin at all It does have an ambidextrous magazine release. Okay, which allows a shooter to drop with their trigger finger If they choose most people don't do that, but it is an option for for you We'll go ahead and reset that trigger. It has a three dot sight system smaller dots in the rear Larger in the front. It does have a accessory rail and A loaded chamber there loaded chamber indicator. There it is bar pops up right there Nice looking package. We'll drop it down so the camera will pick it up It does have a memory texturing right there for the weak side thumb. All right, I like those You don't see those too often a lot of CZ's have those don't see Many other brands many other manufacturers making them like that And it also comes with a key so you could disable the gun with a lock there Once again something I'm not a fan of but if you just leave it alone You can't do it any other way that I can figure out. So pretty cool. Let's go ahead and get it on the scale Got a nice look to it very thin I'll bet before we do that. Let's just take a look at the shield the shields doing what I'm gonna bring out today I usually do these comparisons See it's a little bit longer and the grip is a little bit longer But if you put the eight round mag in the shield, you'll see that Measures up pretty even one pound five and one eighth ounces the unloaded weight. We move that to just ounces 21 and eight Go ahead and put a full mag Nine millimeter target loads and now it's weighing in at 24 and three quarters There's your carry around 25 and one quarter. So each nine millimeter round is a half ounce Okay, so if you ever care to do the math on the weight of guns There you go. Let's go ahead and field strip the gun and we'll wrap it up You do have to pull the trigger first because of that magazine disconnect You could then drop the mag and it has a line on the back of the slide and on the frame. We're going to Align those pushed through on the other side. There's not a lot of Pin there's not a lot of pin to push through so you have to Give it a nice nice push through and hope to Get that out there Sometimes I use my my pocket knife, but it looks like we got it there Move that pin then off comes the slide Just like that Here we have a captured recoil spring And a three point three inch barrel. I don't think I mentioned that three point three inch barrel and then there's your slide All right, just like that It's a nifty little gun. I just got to there we go Sometimes you know you have to watch every gun different and sometimes if you if you Don't get the perfect angle with the barrel. It'll get stuck And you just saw that right there. We'll go ahead and put this pin back It'll go halfway. We'll move it in a little bit and then move it back find that sweet spot Align those lines and there we go Put that mag in and just like that.  I'm gonna get this to the range You guys can check it out and see what you think so far I'm pretty impressed. If you like videos like this, please subscribe and share. I always appreciate thumbs up button Thanks for watching and you guys be safe


Aroldis Chapman tested positive for coronavirus. What's the latest there? And what did Aaron Boone have to say about it? Well, Bob, if there is any good news in all of this, Aroldis Chapman told Marley Rivera of ESPN that he's not suffering from many symptoms. Also, his right-hand man and trainer, who's with him all the time, was tested. He tested negative, and they are allowing people inside the homes of players to test them should they come down with COVID-19. So he'll continue to get tested, but luckily, as of now, Aroldis Chapman is not experiencing any major symptoms. As far as Aaron Boone is concerned, I asked him whether or not he was worried about the rest of the players, because Aroldis Chapman was on the field, was in the bullpen about three days ago, and he had this to say earlier today. I feel like we're following all protocols. We have not had any other positive tests. We've adhered to all the contact tracing things, so we feel like we've handled it and are handling it. And again, this is something that even moving forward, a positive test is probably gonna come our way, and it's about doing all the things that hopefully as a whole keep us safe and healthy. But right now, we feel like we're doing a good job in here of managing. We're less than two weeks from opening day. If Chapman isn't a go, would you use Britain as your closer? I mean, look, obviously Britain's been an elite closer in this game for a long time and still a great pitcher, so he naturally could fill that role. It's easy to put him in that, but again, with our team and with our bullpen and our pitchers, we feel confident a lot of guys, but Britt would be a natural guy if Chapman wasn't back at that point. Masahira was out on the field today. Just how encouraged are you by the fact that he was doing some work and exactly what is his schedule going to be moving forward? Again, moving slowly with Masah, just making sure he has been able to play catch a couple of times now. He's responding well to the elevated heart rate stuff where he's on the bike, on the elliptical, doing his arm care work and responding well, but again, anytime we're talking about a concussion, we're making sure we're moving slowly and smartly with Masah, so nothing, no plan in place about when exactly things are gonna happen, but he is at least responding how we hoped. Aaron, I understand you don't wanna get too granular with Chapman, but I just want to confirm it. He spoke to us on Tuesday. Was that the last day he was here? I'm not even sure the last day he was here. It could have been, but again, I don't even wanna go down when tests happen in this and that. We feel like we're in a good spot as far as how we've spotted things and again, with all the contact tracing and things we do internally that we have to here to feel like we're in a pretty good spot here moving forward. It's just now become, this is the way it is in 2020, maybe it's a baseball iron. I mean, you're planning for your season, but now your closer is down with this illness and you're not sure when you're gonna get them back. You're just gonna have to expect these sort of- Yeah, I mean, and it's why we're having, the concert reminders is as much as we can in groups amongst each other to just do all you can. Obviously, this virus does not discriminate. It can get to anyone at any point. So it's obviously just another reminder that we have to be vigilant as far as wearing our masks when possible, the distance, the decisions we're making away from the field to as best we can, stay out of harm's way. Those are all just constant reminders. And by the way, not that anyone has been in here hasn't done that, including Chappie, but it's just important that it can strike at any time. Thank you, Aaron. James Wagner, James, go ahead and unmute. Hey, Aaron, so just to make sure, I think of the protocols, if someone's around him, they have to isolate, have you, is anyone else gonna be also out of this foreseeable future or have to isolate because of this? We have no one out at this point. We have done all our contact tracing and all protocols and where we need to be. Who has another question for Aaron? Meredith, go ahead and unmute. Aaron, how did a Paxton look yesterday to you? Good. Obviously a rainy day, so he wasn't able to do it outside, but we got five ups yesterday. I think we got them up to 66 pitches. I was standing in a lot for him, so he had a menacing hitter and he was looking at, but no, he looked good, another really good step for Paxton. Was there any doubt having the back surgery that he was gonna come back and be okay? I know he had thrown a lot during the shutdown, but did you still almost need to see it with your own eyes? I don't know, because almost immediately when he had the surgery and there was obviously some debate about should he have it, should he not, it seemed like right away he was getting signs that it was the right decision. I think he had some immediate relief and when we had him in spring training and he was starting to build himself up and he actually, even before we had left, was playing catch and playing long toss, everything had gone kind of according to plan and then when he was able to go home, the reports he was giving us and the reports we were getting were all continued to be positive as he continued to take steps, so almost immediately with James, it seemed like the surgery was a good decision for him. Take another from Marley, Marley, go ahead and unmute. Hey, Aaron, Sweeney asked you a little bit while back about how do you prepare every day with just the news he just told us about Chavin and Glad to hear that he's doing all right. Like every day knowing that this could happen, how much of a challenge is it as a manager to deal with that? Yeah, I mean, look, I mean, we've spent a lot of months trying to get to this point and certainly understand what we're getting into when we came here and certainly understand that hopefully on a small level but that we're gonna have to deal with these things along the way. So kind of try to prepare myself for it every day and kind of be prepared to handle any news. We've gotten a lot of news along the way within the organization. If we have had a positive test, you just try and deal with it as best you can, kind of as a family and constantly just reminding one another to make sure we're as best we can, taking smart steps to limit our exposure.


Yonapot Kivarnok, Siastok. Hello ladies and gentlemen and thank you for joining me. It's von Nagyonsep Magyovarysh Keste. Today, I'm in the beautiful Hungarian city of Keste. It's raining. We've come here today to see one of the finest model railways in Europe. Now, I've been here a few times in the past. I did once make a video where we... ...beer music playing. I came here once where we made a video exploring the city centre. So, if you want to see more about the city centre, see inside the church and everything, have a look at the link on screen now. If you come here in the summer, this place is heaving. We're just on the edge of Lake Balaton. We're just up the hill from Lake Balaton. So, this is where all the tourist attractions are. And then down on the ground by Lake Balaton, you've got all of, you know, the water-like attractions.  And then behind the palace is this model railway. I was getting rather wet walking into this model railway, so I thought I'd just get out of the rain for a minute and I've stopped at this creusel cafe for a cappuccino. So, I'm going to enjoy this. Hopefully the rain will stop, but I'm glad I'm going to an indoor attraction. I've just got to walk for a bit more outdoors to get there. I've stopped raining and I'm walking through the grounds of the palace in Keste. Once again, I have made a video of these beautiful gardens before. So, if you'd like to see more of the gardens, please do click the link on screen now. I'm heading off in this direction. There's various museums around the estate of the palace and around Keste. But there seems to be a museum that has something in just about everything. There's a coach museum as in horse and carriage type of coach museum. There's literally all sorts. So, you could easily spend a day if you were to visit Keste. So, I'm going to continue that way. Let's go and find this model railway. So, I've just come across the road from the palace. You can just see the town of the palace. And here we have a miniature railway. Now, we're not going to be going on this today because it isn't running. But as seems to be the running thing with this video, have a look at the link on screen now. I have been on it in the past. What we're going to see in today's video, and we've a bit of a puddle. I've got to go on a bit of a walk around.  Now, it's a hunting museum. So, there's lots of stuffed animals on the first two floors. So, that's not really what we've come here to see today. But the loft of it in true model railway fashion, there's a big model railway. Or should I say there's a few big model railways in the loft of this museum. Let's go in and have a look at them. Well, I don't think we're going to go in there to see the model railways. But maybe we had to have another look at the miniature railway. And I'm getting a bit excited because I've got a really good reason to come back. They've built an extension on the miniature railway. Now, when I last visited that tunnel was there. That's the tunnel stroke shed. And basically, you've got a station there. There's a balloon loop at that end. It went around there to a balloon loop at that end. But now, there's a junction. And it goes to here. And then there's another station. And there appears to be a line going off in that direction. This part of the park wasn't here. Look at that. There's another tunnel. So, it looks like they put another loop in. So, we have to come back in the summer. This is, oh, wow. Look at that. There's a giant deer or stag made of staghorn. That's really impressive. I was not expecting that. And I promise we are going to go and look at the model railways. But I think this is a worthy tangent. Let's go and walk straight for the mouth of this huge stag. That's impressive. And it looks like the miniature railway goes around in those trees. But if they extended the railway, it could be a really massive miniature railway. Anyway, look at this. Wow. I've never seen so many staghorns before. It's a bit of a weird place. But it's also quite an impressive work of art. That is amazing. Look at it. It's huge. Really huge. That's just one antler made of God knows how many hunters antlers. That's another antler. They must be, well, I'm not even going to try and guess how many antlers there are, but a lot of antlers. So I'm going to walk back through there. And now let's go and finally see these model trains we've come to see. We're inside the museum now. I've got my ticket upside down. I have my ticket to have a look at the model railways. As I said, the first two floors is a hunting exhibition. And we can have a look at a little bit if we go past it as a tag. But what we've come to see is the model railway exhibition. So that should be at the top of the stairs, which I'm really looking forward to seeing. So that's all. There's some models already. Nice bit of old tin plate, all the trains there. There's a model of an M61. Saw a few of those at Topolks a few years ago. And these are caught by these big models of Hungarian steam locomotives. So I think they might want to see my ticket. Let's go inside and see these model railways. So now we enter the exhibition and straight away we are at a railway station. Now this is Semenin. This is Austria. So there's three large layouts here. Now this is the smallest of them, but it's still just as impressive. But here comes a Taurus locomotive. So to give you an idea, we've got Austria down this side of the wall. Over here is Germany, a massive, massive layer. It's like some snow up there. And then on the other side over there is Hungary. So what we'll do, we'll have a look at all of the layouts. Now what I thought we'll do, we'll wait for a train here at Semenin and follow it down. Now because we're at the top of the Semenin Pass, have a look in there. You can see a large spiral. So the trains will climb up there. When they get to the bottom, or when they get to the top, that's how they make their way up and down. That's the behind the scenes section. But when the train is climbed up here, they'll come out of these tunnels. So what I'm hoping to do is follow a train down. But suppose you only want the train to come along. One hasn't actually come along yet. So I'm just going to hang around until I wait for the train to come along. So we've just seen a rail jet descending this spiral. And another Semenin Taurus Hall train ascending this spiral. So I'm expecting it to come out of those tunnels any second. And then we'll either follow that one down or another one, whichever one happens to come along next. So here we are. So there's the Taurus train, or Taurus locomotive should I say, a Taurus Hall train with Austrian stock. You can see various other trains in here. There's a plinth rail car. I did do the Semenin Pass a few years ago. I think I remember seeing that plinth rail car. So is it going to go? Yeah, it's stopping. So I think it's probably going to be the next train down. I don't know. There's a couple of other trains up there, roughly on the wrong side. It's all double tracks. So it's not like we've got to wait for a single line. So I've just seen the little light there. It's just gone green. So yeah, and she's off. This is a G-sev Taurus. I'm close enough now to see that. So G-sev is like the Ostro Hungarian Railways number 1074504. I can't take that off of my book because it's a model. She's gone into a tunnel. But if we go here to the other end of the tunnel, we should see her. There she is. We'll follow her all the way down the Semenin Pass. It's not normally that I can just grab it. There's a train going the other way. And there's our train. She's going to go over Impressive Viaduct now. If you think this viaduct's impressive, she's going into a tunnel. She's now going to go over this really impressive viaduct. So let's watch her. There she goes. That's brilliant. And then into the rocks. Just notice there is someone climbing the rocks. It might be hard to see. There she goes over another viaduct. It's basically viaduct tunnel, viaduct tunnel, viaduct tunnel. We've arrived at another station. I know the camera's not picking it out. There's a double-decker train there. So now I'm not sure if... So that one might go. Is the train... I'll train going to stop? I'm not sure yet. I'll train stopping. So let's wait. While we stop, this is something you couldn't really do if you were there. You couldn't normally just look across and see Germany, but we'll have a proper look at Germany in a minute. I think our train's going to go. Should go in a moment. The other one should go as well. I don't necessarily know if all the trains we're seeing on this layout would work over December in parts because I saw like the Vienna Airport train. I don't think that would come up here. I think they're just showing trains you would see in the Vienna area. Still while we wait for our train to go, just let you have a look at the building so you can see the curved sort of barrel roof of what we can see outside of the museum. Our train is still hasn't gone. You know, I can't see the lights for a while because it's behind the building. So hopefully our train will go in a moment. I'm just looking sort of down the path. So this layout stretches down there. I can't see another train ascending, but I've got no doubt our train will go in a moment. It's difficult, isn't it, when you choose to fill the station for quite a long time. That's what we'll do. We'll just have a look past here to see if we can see maybe our train will catch up. Look at this. This is like one of those like a half tunnels to protect the line from the falling rocks. You know, so you make quite an interesting, it's like a cross between a biodeactor tunnel when you look at it from the outside. And I'm looking back at the station. Our train still hasn't gone hard yet. Then it becomes a fault tunnel. I mean, it's just got like a little window there to see the train pass through there. You can also see it's a quite a gradient. Our train still hasn't left. It's quite a gradient going down to hence why there was that spiral. If you can see that little man there, that's actually a photographer. A man, a bit like I am, waiting to see a train cross this viaduct coming out the tunnel. It still hasn't left yet. There's another very impressive viaduct there. Look at that. That's amazing.  And then this is the end of this layout. The railway curves into a tunnel and it must run along the back wall up there. And then, as I said, it gets to that spiral. Give this train one more chance to come along. If not, I think I'll leave this layout. Oh, I see. Look, it's interesting. Oh, I see. Look, it's pulled in and it's making another train overtake. Another tourist will train. An OBB tourist has overtaken. So we'll follow this one down. Right now, the reason for our train stopping makes sense. So here she goes through the protection. And what we can do, we'll join the little photographer and we can also see the train crossing the viaduct. And now she's going to cross this other impressive viaduct. And she disappears into the tunnel. So that concludes the Austrian layout. What I think we'll do with the German layout. It's so huge. I'm not going to try and follow one train because the video will probably be literally ours. But I thought we'll just have a walk around. We'll have a look at it. I'm walking back to the start so we can see it. That's interesting. Look, on our alert, we've just been looking at various CCTV cameras. You can see behind the scenes the train going around. So what we'll do now, we'll have a look at the German layout. And then we'll have a look at the hunger. So we're back to where we started. But it's become night time. So we'll start our looking at Germany, not even projected the moon onto the ceiling. That's quite impressive. Up there, I understand the big railway station up there is modeled on you. So what we'll have to do now, we'll have to wait for it to get light because I can't show you too much. It all looks good. Everything with the lights. We can't really look at where we're going. So what we'll do, wait for it to become daylight again. And then we'll have a look around Germany in HO scale. Well, good morning. It's daylight again now. So let's look around Germany. Now this end down here, you see there's some snow. We're going to go out of the snow. We're going to see more of the snow at the end. I think it's the Black Forest down there. We're going to go to Nuremberg. I think that is today's Nuremberg station. I've not actually been to Nuremberg. It's not modelled on anywhere in particular. It's just a typical German landscape. So they've got a typical German village in the snow. We'll go past here and suddenly there is no snow and we're perhaps in the spring. You can see there's a typical railway junction here. There's a steam train there. We're going to take steam excursion across. I think that's the River Rail and it works a branch line. There's another train on the other side of the river. You often get that in Germany with certainly on the river Rhine possibly the Neckar in places. You're on a train and you'll see another train on the other side of the river. That steam train did just start to go but it seems to have a bit stalled. That was going to go off up the branch line. We'll perhaps watch some trains on the branch line at some point later on. So as we follow the main line here out the station, here is a monastery. So this is a typical German monastery. It's again not anywhere in particular. But if you travel by train in Germany you will see monasteries a bit like this. And now look here we are basically in the river because that's the bridge there. You can see one of these often see these freight barges in Germany. The branch line comes out that tunnel there. Wines its way around this hill along the next hill and we can just see the station. We'll have a look at that when we get round to there. So we get to this partner here. We have a city. Now I understand there's various buildings from Germany models here. Although they've even got trams. Although I don't think the tram is going anywhere because it's one of those single ended trams. So it looks like the tramway is just for show because it's a terminal. So in real life they'd have to be a loop for the tram to go back again. Maybe eventually they will but the tramway runs along the edge here. This is Berlin. Yeah so I understand this TV tower. The real one is in Berlin now. I don't think it's quite nice to see modeled here. You don't often see it modeled as a zoo. There is a zoo at Beckinscott model village in England in Buckinshire. But you don't often see them in model railways. I suppose because you need a really large model railway to model a zoo. Because they naturally take up a lot of space. You can hear I think someone's been along and I saw a man just jump off the side. And set that steam train up. Yeah and it's now climbing up the branch. There you go. So that's like I suppose in real life it's one of those railways. Not perhaps a full on preserved railway. But a railway that has normal trains, regular trains. And they also run a few steam excursions. That's quite common on German branch lines. The only railway we really do that on in the UK is Fort William Tamale with a Jacobite. But in the middle there's a big roundhouse. I think that's like a railway museum. One of those driving movies there. The camera's not picking it up. They are not playing a movie. There's a load of people sitting there watching Bugs Bunny by the look of it. All round here. So again past the zoo the little tramway runs all along here. All through the town centre or city centre. You just see a station, layers of trains. Is that another steam? That's not a steam excursion. There's a building in this corner here. I recognise. See that gate. There's a steam train going out on this. Stream by one. It's complete with sound. Gate. I understand it is Freiberg. Well I think I recognise it because I have been to Freiberg and Bryce together. I'm going to go around here and watch this steam train. It's always good to see it stopped now. Probably stopped to let another train pass. There's an IC just pulling you now. You see that? Well the tramway continues to run along here. It runs all the way around. So we get to here. I think we've got a fairground here. And then the tramway goes off around. And I can actually just see down there that there's a tram depot. So I'm not sure what happened. The main line seems to split. You've got two main lines and they both cross each other. That's that branch line I said about them. Look there's that steam excursion which we could see earlier. Just going to make my way through here. So we were over there a moment ago. As we come along here we're going back to Winter. It's funny it's been night, day, summer, winter. There goes the local hall train. There's across 245. It's like a diesel track local. There's another local hall train there. Double decker. So there's a lot going on. It's hungry over there. We'll have a look at that when we're finished with Germany. Well here's the computer for running the whole. That's how they run the railway. So it's a bit of a set to a pre-program that they run around. Look at this station here. It's huge. And it seems a lot of them sit here most of the time and then they go off on their journey. So I think that sort of works out fine. We've got two lines that it becomes one to come back. If you know what I mean. And then we go up here, big lorry park there. And then this is the Black Forest. And this is somewhere else I've been. This is Triberg. I've been up there on steam excursion. So I'm hoping we'll see a steam train winding its way around here because you will see steam trains there in real life. Is that an old mine there? It almost feels slightly colder now because we've come into the winter and the Black Forest. Now this is where models sort of have artistic license. You look here, the snow suddenly stops and this is hungry. We'll look at Hungary later on. What I'm going to do, I'm going to make my way over there just so we can see the last bit of Germany and then we'll explore Hungary. So here we are on the other side of the layout of that strange bit where you've got Hungary in the summer and the Black Forest in the winter. There's not a huge amount more of Germany to see around here, but it's got a very complicated railway winding its way down and around. And so I think if the train was to go around here, it disappeared into that tunnel. It would then appear out of this tunnel. And at some point also go around that section there. Yeah, looking at it here, you can see the line winds its way around. It's quite a complicated railway. There's a train just going off up there. I actually find when I go to these places, the models themselves are impressive, but I also find it fascinating to see where they go. Like you see a train disappear into a tunnel and then where you're going to see it next. That's what I found equally as impressive about these sort of places. Now that train we saw a moment ago, oh yeah, it's coming out of the tunnel now. Let's see what happens. So look, it's just coming around the corner now. It's going to disappear into this tunnel here. So will it appear over there maybe? I'm confused. Yeah, it has. Yeah, it's up there. It's just coming down there. So I think now it will pass through the station into that tunnel there and then down through these tunnels and eventually onto that one. Let's just see what happens. Well, it hasn't stopped at the station, so that's a good start. So is it going to come? It's got to come out of this tunnel here. It's the only tunnel I think it can come out. There it is. Yes, it's the same on this. It goes through another tunnel through here and then it should come out over there. I should see it any moment and that will conclude the German part of this video. Yep, there it goes. I feel pleased with myself. I've worked it out. We're now going to go over there and we're going to go to Hungary now. It was a like Budapest Delhi pova. Welcome to Budapest Delhi pova. Not looking as we know it today. This was how it looked until 1941 when it was bombed. So that's the old Budapest Delhi pova. The Tartra Trams like this still pass it. We've got, I think, the next Tartra Tram, a bit like in Germany. I don't think I can actually move. The next one is a Mischkoltz one and that's a Seged Tartra Tram. So you've got the three places that use Tartra Trams in Hungary. The other city where Tram's in Hungary. Debrusen doesn't use Tartra Tram. So that's quite nice. So that's Budapest with today's train. But the old station. You can see the engine shed there. So Delhi pova looks very different. I always think of Budapest Delhi pova. Pova's like a word for big railway station. Vashutalamash means railway station. Budapest Delhi pova is a bit like the London Euston of Budapest. Now I've got a train departing. So I'm going to sort of follow this. But as we sometimes have found out, they don't always go where you expect them to go. I think from looking at it, it will probably come out of this tunnel. The double track tunnel. I think. Yeah, there it is. So that's a push-pull train with an M41. I think those DVTs, they originally work with steam. They're the only DVTs probably in the world I know that DVTs drive in van trailer, but they that work with steam diesel and electric locomotives. There's another one. Another M41 propelled train. So I'm not sure where they're both going to go now. But looking in the fact we've got a single tunnel there and a single tunnel there, I reckon that's a balloon loop so that some trains can return.  So we'll be to have a double track mainline running along here. Just down there is a ubiquitous V43 locomotive. Travelled behind quite a few of those. So I wonder which one's going to go and where's it going to go. We're going to follow this through Hungary and see what we can see. Oh, look, it's going back. So that one's going back to Budapest, Delhi, Australia. So I'm not sure if this one, if the other M41 is also going to go back to Budapest or is it going to go beyond Budapest. So maybe the little people who live here, they've left Budapest. They have to come to this station. Although they can't change trains because the line I said is a balloon loop doesn't actually have any connections here. So maybe they've changed to this train and then this train will go further. I wonder if I'll have to wait and see what's going to happen. It's the joys of model railways. You're never quite sure what's going to happen. There's a lot of trains on the Hungarian layout. And I think as I sort of looked at it as I've walked around the German layout, I think, oh, it's going back as well. Okay, so we're going to have to just walk. But because it's HO scale, it's not like it's a long way to walk. I'm going to walk to this station here. Sekesvahiva. Now, the pass from Sekesvahiva on the train many times. A little bit different. It might be a slightly scaled down version, except that's like the front of the station. So all that is a lectern over the back with a freight train. And there's another M41 pulling in. You can still travel behind these in Hungary, but not as much as you're used to. I quite often get the train between Zullo, I guess, and Paige. And from Zullo, Centre-Vance, Paige. Few years ago, it's always an M41. Now, sometimes it's a unit. So rail travel in Hungary, although it's great, there's not as many locomotions trains around as there was. It's an industrial, but this is a steelworks maybe. As you can see down there, there's a fireless steam locomotive. See just there? Fireless steam locomotive. So I'm going to show that to you a bit better. Yeah. So I don't know if that's going to go. I think that's probably just static. We'll follow the main line down here, see what else we can see. It seems to be a lot of movement here. Over in the background, look, there's a motorway under construction. See it's a motorway to about there. And then you can see they've started digging up the roads. Continue along here. Oh, this is the point as we saw earlier. Black Forest in winter, Hungary in summer. So what happens here? So this is Hungary. You can see in a minute, we're going to go over the railway, over that rather outscale bridge. Right now, if I go down here, I'm quite literally swimming in Lake Balaton. I'm in the middle of the lake. If you look all around me, it's Lake Balaton and some computers in the middle of the lake. So we're in Lake Balaton. I've swam in Lake Balaton quite a few times in the summer. Always good fun. And this is what Balaton's like. It has grass beaches. So it's a good place. Over here, look, here, I've swam across now to Keste. And if you think that building there looks familiar, that's because that's the building whose garden we're in. That's the palace at Keste, which we walked through on our way to get to make this video. So it's not quite as close. And the railway station has since been rebuilt. It hasn't got such attractive a building, but this is what Keste is over there. There's more of Hungary. So what we'll do, we'll go up over the bridge and see what else we can see. So we stand up here. It's good when you get on an aeroplane and you fly over Hungary and you can see quite a bit of Hungary. There's that motorway there, which we can see, and it has lava about its ending. Where's this? Ah, Nodzkenitja. This is, now I've passed through Nodzkenitja quite a few times. I did make a video there because there's a bit of a railway museum. There's a few steam locos on display there. Again, Nodzkenitja doesn't quite look like this today. Well, look, there's one of my favorite diesel locos just coming up the hill. We're about to see. It's a class M61. See it just there? I've always enjoyed seeing M61s riding behind them. You see another one in the station there? And there's an M62. They're the big Russian diesels, which I have also traveled behind some of them in the past. There's another one just pulling into the station. And if we go over here, that little M61 we saw, I haven't quite worked out this layout, but we've got track winding its way all up and around there, and it's going to come down here into Zala Luv, into Zala Luv station, I think it's called. So that's M61-11. Is it stopping? Looks like it is. So I'm going to walk on around here, see what else we can find. We're coming to the end of this huge one railway place now. Well, I think I'll do, though. I appreciate we haven't always seen a great deal of the trail, and it's gone dark. And the lights have come on. Okay, well, I can show you hungry in the dark. So, yeah, from... I know you can't hear me, so it's a bit like a voiceover at the moment. From time to time, it does go dark. I'm going to have to go out to finish the video. Look at that. There's the palace all lit up. So from time to time, it does go dark. And we're now at the other end of Lake Balaton. What I was going to say before we descended into darkness was I'm going to make some other videos where I don't talk in, just so you can see the trains, because I appreciate you haven't had a great deal of opportunity to see the trains. Up there, this castle, you can see. That one there lit up. I know you can't see it very well. That's Shemeg Castle. I have been there as well. It's not too far from here. It's just round Lake Balaton a bit. I think what I'm going to have to do is go back out here. Go out here. You can start to see me now. And we're back out in the foyer, where we started our adventure around the model railways. So like I said, I'm going to probably spend the rest of the afternoon here and have a look at the train. So I hope you've enjoyed this video. If you're in Hungary, do come and visit. It's a really good museum, very much worth visiting. So thank you very much for watching. Please do feel free to like, subscribe and comment. And from the Model Railway Museum in Keste. Goodbye.


Hi, welcome to the second episode of APA styles in 60 seconds. So in this episode, I'll be focusing on Citation involving more than one author So if you have two authors, all you have to do is to split them using and can be and D or simple depending on how you use your Citation whether it's other focus or info focus if it's more than that Let's say three to five the first time you use this Citation you have to list every single author followed by the year And the second time onwards you just have to put the first author's name followed by at all For example Ali Abu and Atan the first time you use them You have to list everyone but the second time onwards you just have to put Ali at all If it's more than that, let's say six or more than you have to use at all immediately You need list the first authors followed by at all. That's all for this episode. I hope you are clear about the naming


What's up everybody, Jason here for jasperyscasebreak.com. 21, 22, Kenini, Mosaic, basketball, hobby just sold out. Six spots to have case break pregings, number five. Remember know that common ship, fresh case here, with number five and six. And here we go guys. So we had a little 13 team random. You have a character time as you want that from the team round, everybody else bought it straight up. Thank you to everybody that got in. Congrats. To some of the winners that got free spots in the team random. All right, so again, fresh case and Mosaic here. So it does a six box half case break. So five and six, same case. So how about we do this? One, two, three for the top, four, five, six for the bottom. See what we got here. Here we go. Three, one, two, three for the top. So I'm gonna mark this as six, six, six, six. Six, six and six. We're gonna do the top, the bottom is what we're not doing. Take everything that's marked as six. As you can see, these are not marked, this is the top. Yama-san did the combo. No, these are all big ones. Bust kill. Oh man. And how about a Cade Cunningham straight fire? I say right there for Detroit. Gitch on Tate, Joel and B. And a Corey Kasper auto for Washington going to Cody. This is a six box half case break chat. Six boxes. Davy on Mitchell, Shaquille O'Neal, Chris Boucher, Jalen Green, Rising Stars, Devin Booker. Well, it came from a fresh case. So six over there and then six here. So one box, two, three, four, five, six. Kinda got me a little nervous there for a second, but no, that's six. Well, Murray, all right, next one. Starting five is a nice answer now. So bonus, Claxton, Stairmasters, Jalen Green, Mobley, Bassie, Evan Mobley-Red. Keon Johnson for the Blazers. Blazers is Mike Ostraya. And a Jeremiah Robinson Earl for the Thunder. Okay, C's Nick, tonight at nine. Now about a little Lulu, stained glass. So, of course she's gonna be out. I think I got a little ankle injury yesterday, but of course, still a big time player right there. Very nice. So one stained glass down. It's usually two on average per case. Well, there's some cases that have more, but at least two on average. Giannis Red. 70th anniversary of Moises Moody. The Golden State Warriors, Matt Johnson. So, Braun, Josh Giddy. Red, Swagger, Steph Curry. And a little Car, Anthony Towns, Blue. Tonight at nine. And a little Austin Reeves for the Lakers. Lakers is Matt Johnson as well. Jott Morant, Overdrive. Scotty Barnes. And a Steph Curry straight fire. J. Crawler, Blue, tonight at nine. Swagger, Anthony Edwards. And a Jott Morant stained glass. There we go. That's Memphis Grizzly is going to Shawn Matic. Bronze Wagner Silver. Halfway through now, guys. Three more boxes. Rudy Gaubert for the Utah Jazz. White to 25. Utah Jazz is Shawn Matic. Josh Giddy, True Silver. Stairmasters. And a nice Davion Mitchell for the Sacramento Kings. Kenny with that one. That's the Otto. Chris Middleton for the Bucks. Bucks is Shawn. Stained glass, what is that now? Overdrive. Jommerant. And a Davion Mitchell, their introductions. Get some more boxes. Alright, two more boxes, guys. Mobley Rising Stars. Gary Harris, 75th anniversary. Franz Wagner, Rising Stars. JT Thor. Charlie Horns, Brian Wofford, color. 1099. Stairmasters, Stuffing Curry. And Albert and Sengun, a little bit of a teaser. Houston Rockets for the Shawn Matic. Scotty Barnes, True Silver. And an Overdrive, Albert and Sengun. Alright, last box, Mojo, guys. So, we did see the two stained glass, but we haven't hit a big Otto yet. So, I mean, if we don't hit it here, that second half would still be pretty solid. And it doesn't mean there can't be any more stained glass, like I said. Most cases have an average of two, but I have seen more. They've seen a break where there was like six or seven in a whole 12 box case. So, it just depends on the case. But having yet hit a gold either. Most of the boxes I did on Instagram for cases that I feel like the Mobley stained glass had a gold and a good rookie Otto. So, maybe there still is another one hiding. So, we don't hit anything crazy here. That second half, of course, probably gets to be pretty strong. Which I'm sure it'll be a team random, but if it hasn't already, I mean, obviously, depending on what does or doesn't get hit here, will decide people will decide, I mean, to potentially buy the team straight up before it gets put into a team random. But look out for potentially tomorrow, same thing, similar team random. But if Nick hasn't done it already, then you can kind of take advantage of that buying the team straight up. Alright, here we go. And Joshua Primo, so. Great player. Obviously, he had a college in, or top draft pick, I should say, but hasn't really panned out, of course, with all that craziness that happened early on. But let's see, maybe we can still get some nice color. Puku, for the Thunder, to 99. It's Harrison Barnes. Those are first gold. That's number to 10, three out of 10. Second winner, Kings Kenny. He's got a Barnes, Prism Silver, Armo's Egg Silver, I should say. Well, we did manage to get a gold here. Just wasn't the craziest player. So like I said, I kind of feel like the second half could be pretty big. I'll do a quick recap on the auto stained glass. But basically guys, gold there. Harrison Barnes with Sacramento Kings. Jamaran, Luka Donchard stained glass. Then Primo Auto, Alpern Sengun, Daviel Mitchell, Austin Reedus, Keon Johnson, Corey Kasper, and little straight fire, Cade Cunningham. So again guys, like I said, the teams are still available to buy straight up. Maybe take some of these bigger teams for a chance to potentially get a big auto. If not, like I said, they'll be put into a team round. Appreciate it guys, jazbyskaysbrades.com.


This first one is called Islands. When the waves come too fast, too hard, too often, filled with nervousness, anxiety, curiosity, wonder, and all else that comes from the unforeseeable ocean, you must ask yourself about the land the water reaches. You must ask yourself, is this my sand? Because it may be true that the shells say otherwise. The waves will always come, no matter the island, no matter the shape, no matter the weather. The beach and island may be shaped by the tide. And the current of the wave will slowly and surely form the rock, but you mustn't let the storm take it. This is called Butterfly Snow. I was traveling through India. And we stopped in Mikliotganj. And I saw a bunch of white butterflies flying over the city up towards the Himalayas. The butterfly snow falls up the mountainside, lined with stacking foundation in vivid color. The fluttering prayer flags complement their little white wings, meandering as graceful spots. Above and through, they move with and as the landscape. And the green mixed with white flies. The sight is all for the eyes, and the silence is all for the ears. Because they do not need sound for beauty, for the silver-soaked souls climb in numbers beyond the eyes as souls waiting to soar. See the white warriors from another life take on this journey from the window. This one's called a quarter Japanese, because that's what I am. I identify with the quarter, and I still don't know about the nickel and seven dimes. The river flows, cut up the sun, it still shines. Even if the river is narrow, the wind still blows in the flat meadow of the sparrows, like little stepping stones. I know I can work on watching the sugioka ripple, and I know love can guide me without light. But my blindness can't help but hit itself. This cannot be helped, makes windows never lived in, shudder, and crack, even if they don't fall flat. Because the book took my lungs, and without my knowledge, it wrote on my back. So I go back and make sure the trace lines don't get drawn in. I see the boats, and apart from it, the car granddad dragged himself in. It mattered that he was the one driving, because road mapped wings clipped. He still thought he was flying with the apricot orchards white dirt tried to cover, so he'd turn in his grave before and after dying. Apparently a quarter is all it takes for the maple syrup to cover the carpet. So I can get a, what are, I can see it, the Japanese.  I guess we'll take whatever we want, and you can call it stolen. Quarters confuse people, because if I'm confused about the quarter, then the whole dollar is in question. And farewell to manzanar equipped to me with shikata ganai, and a narrative that I can't remember. But this phrase and its meaning still echo across me, in phases I cannot predict and do not understand. My mind stumbles and cries as identity flies in and out of 3.14-sided lives. Would it be too much to say you can't eat what has already been cooked as seemingly endless enigma of truths and lies? How do I check in with me when cookie cutters front and lines follow publicity stunts? I never knew how I fit into this pie dish. And now that I've really thought about it a little, it makes more of a lot less sense. This one's called a renunciated renunciation. It's good to humanize the monks. I was up in the Dalai Lama temple watching the monks chant. The renunciation in my mind of being one falls to laughter as I see three Coke Zero cans, numerous dark chocolate fantasy biscuits, and a monk sneaking fruit from his bowl that sits in front of him. Yes, they are people too, not just practitioners to the tea. They're always abstaining until you take a look at the underside of the monk's little tables, until you look for the little treats. Then you might find what you were looking for in the Dalai Lama temple. I always see them as these diehard people that once you start meditating, you never stop. The rest of your life, so. So there's this voice that may have come from my bloodline of the Sugiyokas. It's this voice that always tells me I'm not enough. I refer to this voice as a hungry ghost. And that's the name of this poem. I had a feature, danced with someone new. What more do you want from me? You want me to change my aunt's parenting. You want my friends to stop fighting. You want me to get them to talk about their feelings. You and me leave each other blindsided. And whenever I try to get closer to the edge of the face, I free fall another 20 miles to take some time later from my body to realize the first thing you want to stay when I get off the stage is what's next? I am enough. I'm trying to get an echo from a waterfall. I am enough, not a depth rattle from a deep cave. I am enough. What wasn't I doing when I was doing my best? And you knew from my start what you were doing right under my nose that I never thought of shifting from until sometimes soon back. The audience reacts. The method shocked to intact. What if you didn't run this flame through the candle like a sword? What if I massaged it like a pen and let ink blot and spread and the ship sank but the ocean rose? And that was a good thing. This cannot be helped. Still chants from a diamond passion twice as hard generation, even though Ante Dora was going at it with that list, with those house chores, seven minutes is 70. When you're 70, but when you're a sugioka, the sun isn't down yet. And even if it is, it's not that dark outside. We're chronic fatigue and depression, see sideways and meet each other on the midnight lawn. And they don't know how to see farther than grandfather, than the sidewalk on their side of the street, the other side of the street. They see a world, I'll tell you. They don't want to refund. And don't let me forget to mention that it's crazy how long people will let you take care of them and act like it's normal. And it is crazy how long you cannot take care of yourself. I brought big bags of frozen burritos to Jake's house in middle school again and again. And when you go to Costco, do you think you could get them again? Fifth grade, Casey gave me that paper airplane and I crumpled it without hesitation and trucked it in the trash. I'm here for the fast company. Not enough don't make me think not enough that someone could reach me not enough. Really all I've done for this not enough and you think that's enough? Have you earned it? What have you spent? Think you deserve my two cents.  What are you loved for? What's up for grabs in your store? You know, I wonder if I stole everything anyway. Sometimes I'm trying hard enough to not be enough anymore. And sometimes I'm lying on enough and enough is the floor. This is called radiance. I have a beautiful heart. It is working on coming back to itself. It is working on feeding itself. It is working on acknowledging itself. My heart works so hard for me. For it wants to use itself to its fullest ability. It wants to equate its love in a measurable quality and quantity will do whatever it takes to heal itself and it will take whatever it needs. It will line you in fire without your asking because my heart deserves a radiant lining. I treat yours with radiance.