Last class, we discussed factors for ground settlement. So, in this section, soft soil characteristics one factor, then shape and size and depth, then type and thickness sorry type and stiffness, stiffness of strut, then method of exervation and of course, last part is your time. Now, if you look at this, these are the factors I have discussed in the last class. What are the factors affected in the ground settlement? Because ground settlement is your prerequisite criteria as the existing structures are there. So, it should not happen that because of ground settlement, there will be any settlement in the existing structures. So, it depends upon your soft soil characteristics, but that means as I said earlier, it is either in soft soil or may be a firm soil or hard soil shape, size and depth of your exervation, how, what is your shape, what is the size and how, what is your depth of your exervation, accordingly the ground settlement also increase or decrease and type and stiffness of strut and methods of exervation and time. Now, if you come back to there are certain case studies in the Kolkata soil, if you look at this case studies in the Kolkata soil, this is settlement, settlement delta and this is your spacing and this start with 0, 1, 2, 3, 4, may be 6. If you look at this experimental investigation before starting of Kolkata metro rail, Kolkata metro rail is your best example of underground exervation or breast exervation. In this case this example means there are experimental studies particularly Kolkata metro rail means beyond a spacing, beyond a spacing if you look at here the diagram is slightly wrong. Beyond spacing, spacing greater than 4 meter, if this is my spacing it is in terms of meter and settlement delta in terms of m m beyond spacing 4 meter, the settlement increases rapidly. There is no such criteria means ground settlement there is no such criteria as I said shape, size and depth, type and stiffness of your strut, type and stiffness of your strut. If you look at here the spacing of the strut for Kolkata metro, Kolkata soil if it is increased more than 4 meter, if you look at the initially the settlement range up to 4 meter it will be negligible. It is kind of a negligible beyond 4 meter of your spacing of the strut, the settlement increases very rapidly, very rapidly this is an experimental investigation particularly Kolkata metro rail that means in this case they have considered your spacing up to 4 meter that means they have taken up spacing 3 to 4 meter is recommended, the spacing between 3 to 4 meter has been recommended as an optimum spacing. As I said stiffness of the strut how what is the spacing should be there. So, that what should be your spacing if you look at here these are the struts, these are all your struts it will hold this particularly wall in vertical position that means how rigid the strut it depends upon what is your spacing, what is your spacing between the struts. Now particularly Kolkata metro they found that from experimental investigation if the spacing has been kept between 3 to 4 meter then there is a less chance of lateral movement of your wall. These are all case studies may be it may vary from this is only for Kolkata soil Kolkata metro for Delhi metro this will be a different case study.  If you look at the time profile for Kolkata metro this is time in days final settlement by initial settlement 30, 60, 90, then 120, 1.2, 1.4 it goes up to say 2.0 if you see look at this time in days particularly settlement it should be the construction should finish within the 30 days of time. This is based on your case study of Kolkata metro if the construction finish within the 30 days of time that means settlement less settlement will be encounter means which settlement I am talking about ground settlement will be encounter everything should finish within the 30 days of time beyond this the settlement will be more. It may possible for Kolkata soil it is 30 days it may possible that for Delhi metro it may be 40, 45 days it is varying from time to time before doing this kind of structures particularly breast excavation. These are the parameter important parameters you have to study first then you are based on this important parameter study then your recommendation will go then your design will follow. Then it may possible that sometimes what happen there are during construction as I am I am going both 2 and 4 means top bottom and back like this time has gone then now method of excavation method of construction during the construction it may possible that there might be weak joints while construction care should be taken this joint should be leak proof the joint should not be like it is it is leaking it should be leak proof. So because of this weak joints what is happen there will be a leakage of water. So by leakage of water once there is a leakage of water will start what will happen the enter part will be it will drag down that means if there is a water flowing in this joint there is a leakage. So that means it apply pressure to this wall once it apply pressure to this wall that means it will moving out moving out away from this your field. So there will be a ground settlement. Now if you look at that at the station if I go once you are starting particularly at the station these are all called these are called joints this is called steel lagging if I take this diaphragm wall what will happen at station particularly when you start at the starting point at the station you need more weight you need more weight at the starting point that means at the station because how the construction work will start you need the more weight. So to prevent that more weight you need to have your joints it should be water proof. So there is a chance there is a chance that at the beginning at the beginning they may be at the station point there will be a leakage it will start once there will be a leakage will start at the station point suppose this is your station point once there is a leakage will start what will happen because of leakage this will try to push this wall away from the field once wall has been pushed away from the field by means of water pressure there will be a ground settlement. Then come to next part this is all about your breast excavation in particularly clay now breast excavation in sand or breast caught one phenomenon is called piping in if you are doing a breast excavation particularly a sandy soil one phenomenon is called piping what do you mean by piping in piping hydraulic gradient critical hydraulic gradient critical hydraulic gradient critical hydraulic gradient under which under which particularly effective stress in sand is equal to zero effective stress in sand is equal to zero that means effective stress is equal to sigma minus u is your pore water pressure sigma is your over bottom or vertical stress. So with this sigma minus u over water pressure effective stress in sand is equal to zero how it comes particularly in case how the piping will occur. So you start doing your flow net from flow net what will happen how the drainage will occur the drainage generally excavation drainage will start from here to here. So if I increase if I increase this particularly drainage path this is your initial excavation of your diaphragm wall with this this is your flow net if I increase the drainage path that means if I increase the drainage path suppose initially the drainage is going flow is going from here to here if I increase the drainage path like this then what will happen the critical hydraulic gradient particularly effective stress will not be zero. So in that case what supposed to be done there will be at the bottom you put some strut so that it will be close form and this will act as a cut of wall that means by increasing this drainage path the hydraulic gradient will decrease critical hydraulic gradient will decrease that means it will be safe what will happen particularly in this there if you look at there are two exceptions I put this wall up to this side. So after suppose this is my requirement of this vertical excavation beyond this vertical excavation you extend this wall up to depth some of the depth. So what will happen instead of instead of the flow instead of the flow is going if you look at here the flow is going like this look at the drainage path look at the drainage path or maybe look at the flow pattern here your flow is moving from here to here it is directly touching your cutting wall cutting wall now what will happen I am increasing the drainage path from here how it is moving it is going around the periphery periphery and at the bottom it takes that means this drainage path once it has been increased immediately your hydraulic gradient will decrease then this will be safe particularly in case of sand. So this is there are two cases particularly in this case there are two cases and for Kolkata soils generally it is given by Terzaghi and others they have given some certain design charts particularly in sand will see case one and case two case one sand of infinite depth what does it mean this sand is infinite depth that means the depth of the sand will be infinite. So there is no finite below this the sand will be there up to infinite say 50 meter 100 meter there is no finite depth finite depth means 5 10 or 20 meter. So in this case suppose this is my h u total height of excavation and this is the depth below your height of excavation below this this is depth. So particularly this case the design chart has been given it can be used directly there are two cases one is your loose sand other is your dense sand. So factor of safety say 1.5 and 2.0 1.5 2.0 dense sand also factor of safety say 1.5 factor of safety is equal to 2.0. So b by h u what is your b b is your width of your excavation h u is your actual depth of excavation if you remember well earlier I have discussed this is my actual depth of excavation beyond this depth of excavation this dry phagum wall has been extended. So that this increase your drainage path that means so this is your b by h u so this is your 0.5 for different b by h u 0.5 1 2 3 and 4 1.0 2.0 3.0 and this is 4.0 and this is 4.0 so this will be coming 1.2 1.75 1.05 1.7 1.1 1.50 0.85 1.3 for 2 0.9 1.20 0.60 0.9 and 0.8 1.05 0.5 0.75 then 4.00 0.75 1.04 0.5 and 0.7 these values these values your d by h u d by h u means this d is unknown this d is unknown beyond this depth of excavation what should the value of d I should go so that the critical hydraulic gradient will be less or minimum so that this in drainage path will be less than 0.5 0.7 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0 0 0.5 so this d has to be calculated based on this experimental investigation laboratory test terzaghi and others they have proposed this is your design charts for loose sand as well as dense sand taking factor of safety 1.5 two 0.0 and 1.5 and two 0.0 so different value of b by h u suppose if I say b by h u equal to 0.5 that means b value of 0.3 h u of 0.51. So, it is ratio of width to depth ratio of width to depth for particular that ratio of width to depth suppose you are taking a factor of safety suppose you are saying that I will provide a factor of safety of 1.5 then what is the value of d by h u 1.2. So, h u you know so d value will be 1.2 times of h u. So, beyond this it has to be extended. So, that it should not piping effect should not occur in this case. Now, case 2 sand of finite depth case 1 is your sand of infinite depth now case 2 will be your sand of finite depth sand of finite depth means after depth d there is a sand layer after depth d there is a sand layer of h 1 very close to your depth of exhibition that is why it is called sand of finite depth that is why it is called sand of finite depth in this case in this case also they have given certain design charts these design charts are based on your experimental investigations by Terzaghi et al or Terzaghi and others authors Peck also there. So, based on that this design charts has been arrived. So, if I take it b by h u suppose say this part I am writing this part I am writing h 1 by h u h 1 by h u is equal to 1 then here h 1 by h u is equal to 2 then in this case also h 1 by h u is equal to 1 then h 1 by h u is equal to 2 now this is for this is for factor of safety say 1.5 factor of safety this is for factor of safety say 2.0 and these values are like 0.7 0.55 let me write all 0.4 0.35 and 0.35 1.1 0.8 0.65 0.45 0.45 0.8 0.75 0.5 0.5 0.5 1.5 1.1 0.65 0.55 0.55 now these are all values to find it out d by h u other cases if sand of infinite depth in that case there are 2 cases consider 1 case is your for loose sand and another is your dense sand, but sand of finite depth we have not consider in terms of loose or dense it has been put it h 1 by h u h 1 below the depth of exhibition this is the depth of exhibition below this extended depth of your wall and below this at what depth this sand is there up to this sand layer is there h 1 by h u h is your your exhibition depth of exhibition it is 1 or 2 1 or 2. So, based on that there are different value of b by h u then you can find it out once you know this this is given value b is given h u is given once you know the b by h u value then one you can decide what value you are suppose to take h 1 by h u is equal to 1 or h 1 by h h u is equal to why there are 2 value has been given based on these the other factor of safety has to be checked as I have discussed with your piping and other whether it is satisfy with the bottom if any any possibility this other factor of safety has to be checked based on this value suppose with this h 1 by h u is equal to 1 and b by h u is equal to 0.5 with this you are getting d with getting this value of d suppose other factor of safety are not satisfied what you are suppose to do either increase this value of d or if you are not increasing you can take h 1 by h u is equal to 2 then check your other factor of safety that means these are the range where this factor of safety other factor of safety has to be satisfied. So, let us see let us see one one typical example before we will go for a complete example how to solve or complete problem of your breast excavation complete design problem now this is the value of given say b is equal to 10 meter h u is equal to 8 meter and d value is not given d either way either you choose d value of arbitrarily arbitrary value of d or check whether this factor of safety is coming within that range or not or you take that factor of safety find it out your value of d. So, in this case d has been chosen arbitrarily and this is your h h 1 this is a finite sand of finite depth. So, let us say assume d is equal to assume d is equal to 4 meter and how this d has been assume this d has been assume taking into consideration of less than half h u if you start assumption of d then you take the value of d which should be less than half of h u less than equal to if it is 8 meter. So, half of h u less than equal to is your 4 meter. So, d has been assume is equal to 4 meter. So, h 1 h 1 also once d has been assume this h 1 is equal to because this total depth is given. So, h 1 also you take it 7.5 meter. So, h 1 by h u which is equal to 7.5 by 8 approximately it is coming 1. So, from table h 1 by h u is equal to 1 h 1 by h u is equal to 1 with your b by h u b by h u is how much it is coming b is equal to 10 by 8 1.2 or you can extra point the value between 1 and 2 this value extra point and find it out what is the value of factor of safety. So, h 1 by h u is equal to 1 and factor of safety I am taking is equal to 1.5 it is generally normally we take factor of safety of 1.5 then b by h u is equal to 1.25 then from there once it is 1.25 you find it out value of 1 what is the value of 1 what is the value of 2 how much it is increase then for 0.25 how much it is increase then you add it with your 1 1.25 how this this is the way you have to extrapolate this value from this table. So, once you get this so 1.25 factor of safety is equal to 1.5 then d by h u is equal to d by h u which is equal to 0.5 that means d is equal to 4 meter. Now in this case what will happen if you look at here in this case what is there I put arbitrarily value of d is equal to 4 meter means d value should you choose it there is a thumb rule less than equal to half of h u I can take 3 meter I can take 2 meter with the assumed value of d you proceed the calculation and take your factor of safety value of 1.5 with this value of factor of safety 1.5 find the value of d if d is not coming with this value whatever the value d is coming next iteration suppose here I am taking suppose here I am taking the value of d is equal to let us say 2 meter. Now here d value is coming so 2.5 meter that means these 2 are not matching then next iteration d you take 2.5 meter calculate like this you go both the d will be approximately it should be matching whatever assume whatever calculated then this is your value of d once you get the d and draw then afterwards you draw the flow net and check your other factor of safety how it is coming whether it is satisfy or not will solve a complete problem in the next class 2 problems next or next to next class 1 is for cohesive soil other is for sand thanks a lot.


All right, so should we put our one-on-one prices, you know, one-on-one service prices and package prices on our website because there are some business marketing consultants, coaches who recommend that we don't. And here's my thought on this. It really, there is a mixed camp on this because of course, like, you know, we've mentioned there are people who recommend that we don't do it. And the reason they don't, is because the idea is we want to get people on the phone. We want to get people to be in touch with us, asking us about it, so that now that we're in touch with them, we're more likely to build rapport and be able to sign them up for our services. And I understand that makes sense to that degree. My perspective about it is that as a consumer, myself as a client of other people, I have always appreciated seeing the price right up front because I want to just be able to quickly budget, okay, this person is way too pricey for my budget right now. And I don't even want to be in a conversation where they convince me otherwise.  Maybe it's a little stretch, but it's still reasonable. And I like this person's content or services. And yeah, it's like, then by the time I'm on the phone with that person or in email conversation, I'm not going to get a price, I'm not going to get sicker shock because I already know what the price is. So I'm just asking questions. Oh, hey Evelyn, you're coaching, I'm just wondering, do you work on these issues or that issue, you know whatever. So Evelyn, is that helpful? So basically for me, I, and thank you for Evelyn for asking the question. Like for me, I like this, you know, because it's what I like from a client experience perspective, I therefore do the same thing for others, golden rule kind of thing. Now, the one place where I'm like, okay, I definitely see where people shouldn't put prices. Like in the corporate setting, it can be tacky when your package for one day corporate is $5,000 or $10,000. It can be tacky to put that price on there. And corporate knows that. Corporates like, yeah, we don't really care about the price. Pay us, we can pay you five or 10K, whatever. Like in those cases where the client really doesn't care about the price, maybe you're serving, maybe you're serving high net worth individuals.  Then you don't have to put 30K, you know. So it's only in those cases, but for most of us, we aren't in that market. And so we are serving individual consumers who are not necessarily high net worth families. And so I think it does, I think it is courteous to put the price there. And therefore what we are doing is building rapport, not having to force people to come to a conversation to build rapport, but we're building rapport and authority through our content, through our webinars, through our collaborations, our joint ventures. People come to us and they already are interested in being in conversation with us. And if the price, by the way, and the other good reason to put prices on there is it saves us time, right? Because it's, we get on the phone with someone and they're like, yeah, I love your content, love your service and how much do you charge? Oh, you charge $250 an hour. My God, I had no idea because I was hoping that I could find a coach for $50 an hour. And that's really my top of my, and that conversation, both parties feel badly, right? Because the other party, our potential client has sticker shock, right? And then like, oh my God, someone charges $350 an hour or whatever, we may be justified in charging, right? And we feel badly because not, oh man, one of my true fans or ideal fans can only pay $50 an hour. And yes, you might say, well, once you're on the call with them or in conversation, you can direct them towards a cheaper service that you have, a group program or something. That may be true. But still, I think where we should spend our time is not justifying our price on a call, but where we should spend our time is building rapport and authority in content with collaborations, referral sources with webinars or products or other things. But Evelyn, is that helpful? Do you wanna ask anything else about this? Yes, that's very helpful. I'm just thinking that you put your one hour prizes and like even your package prizes, six sessions, 12 sessions, whatever, is that how you will do it? Yeah, right. Yeah, so I think having some pricing on the page is courteous for and time-saving efficient for everybody. I can see where you might say, here's my hourly pricing. So, okay, you could do it one of two ways and I'm gonna share two ways and see what you think. You can either say, here's my hourly pricing, I charged 250 per hour or whatever the pricing might be these days. However, if you decide you wanna work with me in packages, package of six sessions or 12 sessions or a one-year package, there are discounts for each package and we can discuss what those discounts are. And that makes sense to me because they've already seen what the base price is and then now they realize, okay, I can buy more and get discounts. The other way of doing it is to start with, if you sign up for a package, that you could be discounted up to 175 per session, meaning that that's your lowest possible price per session if someone bought a one-year package with you. You kind of put that price on the website so that it still gives some signal of what your price range is, but it gives people a sense of, oh, 175, I think I can do it. And then once they're on the call with you, then, well, then you have to explain the 175 as if they sign up for a 40-session package with you or something like that. So you could approach it one of two ways and you may actually split test. You may actually create a split test using split testing tools such as Google Optimize, which I talked about in the copywriting course. Like you could create two different sales pages and every visitor who goes to your sales page will automatically be directed randomly to one of these two versions. And you can see therefore how many inquiries you get per page. So that would be an interesting test to do. Thanks, that's very helpful. Thank you. Thanks, Evelyn, for asking.


Take this opportunity and welcome everybody back to the independent investor channel for the Friday night live stream It is 9 o'clock for the fastest 60 minutes on YouTube. My name is Ryan Channel was started about five years ago up in New York City. So I'd like you to do me a favor if you take a few moments and Think about what happened 20 years ago. It's certainly worth acknowledging there The channel will always have a special place In the heart of New York City. No doubt about it I have been there to ground zero. It's it's very sobering experience. I Do recommend that anybody who has the chance to visit absolutely goes and pays respect to what happened that day and Just take a moment this weekend to in your own way Take take a little time to reflect on how precious life is Speaks to somewhat of the element about you know, why we we do what we do on a weekly basis specific to personal finance but I always take a on extra special step and segue the Investing opportunity and the opportunities that exist therein To to acknowledge that it is just a supplement to your life It absolutely is to get this stuff under control help you put some things into perspective Really help to codify the five elements that we're going to talk about tonight This is gonna be super special if your first time to the independent investor channel been doing this for eons and eons I've no script too much script in our life Right. I talked from the heart It's my opportunity to come on for 60 quick minutes and talk personal finance which is indeed my very favorite topic It's a very devote community members all good being one of those a special shout out to her Thank you for making your way on to the show tonight. The world needs more people like this how else can I say it and It's just a pleasure to have the opportunity to bring kind folks Like all good who's number one in the gallery if you can beat all good into the group man Just speaks to the devotion and compassion that I think she resonates with and she understands what I'm trying to do here Quality over quantity. There's no doubt about it. There's absolutes Some fantastic quality people in the group here Second of which Bob Wright is one of those people. It's great to see a Bob and yes, indeedy It is the fastest 60 minutes We will stay on target tonight and while I've got the attention of the would-be patrons That'll kick into the live stream and quickly kick off because I've bored the hell out of you after five minutes of your life There's certainly probably a lot more important things that you could be doing with your life Then listening to me ramble on for 60 minutes about personal finance and budget Which is not everybody's favorite topic. I totally understand But the next week I will be catching Friday night lights I will be watching my favorite high school football team I'll be taking the little fella you guys that don't follow me on Instagram need to kick over Follow the channel on there. I do unique posts on there a little bit more personal nature And I expect you to come into the independent investor channel because you like me, okay? There's a certain avenues of the show now that we do The live stream being one of those I have been rolling out a pretty good amount of promotional content Really amazing how when you start a project like this it evolves to a place where you never thought possible and In some capacities, it's doing just that I think I would have loved if I would have just Been able to come on and talk personal finance and budget and see the channel explode and people resonate with the idea of that The damnable misery of that is I don't think a lot of people really relate with being told what to do And I think in a lot of capacities. I think they should I think a lot of people have barriers to entry with regard to personal finance and I think it really does Prohibit a lot of people from opening themselves up and really listening to a message like mine especially over a condo a conduit that like YouTube which is you know Interesting in and of itself entertaining in many capacities.  I'm gonna give you the first pillar right now The first pillar that most people don't want you to know about and when I say most people I say the system I say the financial planning institutions. I will say the pundits I will say the Jim Kramer's of the world although he does do a fairly good job The only one I might add that actually advocates for this as an option But is quick to say that you know statistics show that most people do in fact fail out Self self-directed investing that is the number one pillar. It's the pillar and basis of the independent investor channel It circles around the idea of taking control of your own money I've been with four financial planners in my career, and I know there's a lot of people out there that have been as well I think if you can imagine standing at an oasis and looking out over the desert and having an open landscape Really a blank palette to paint to whatever picture makes sense for you in your financial picture That is what self-directed investing is all about that conversely in the financial planning institution there's so much structure and there's so many rules to abide by and you end up paying for each and every one of those levels of access in that structure and Unfortunately a lot of people do Gravitate toward that way because they think that it is the only way and I think for some people out there It can certainly be better than not investing right seeking out that structure That element of really I don't know squat about investing and I'm okay with that So I want to put my money in the hands of a money professional and have them manage that I've really gone beyond the point of saying that somebody is wrong or right by doing that I just really think that people need to educate themselves up on the Implication of that decision and how costly it can be over the long term and if I've just perked your curiosity okay Then I highly encourage you to go into the compounding calculator Add that 3% Management fee that they do so well in hiding from you or they may in fact Disclose that to you but a lot of people I don't think are trained to understand the impact of that 3% over your money as an overhang or as an anchor Prohibiting those dollars from growing to maximum potential into the future So the idea of self-directed investing really is once it's internalized the correct way is the ability to resonate with the idea of taking control of your own money and Becoming an empowered investor an empowered investor is one that can look at that Open landscape and not just completely go on tilt and and and and lose your lose your craze and think okay I want to be a self-directed investor, but I don't want to Self-assess and I don't want to apply any type of personal rules or personal ground rules or personal barriers or certain rules That makes sense as you evolve as a self-directed investor Okay, it's extremely powerful and the secret that exists therein is The secret of direct connecting yourself to the stock market that the shares of Apple computers That's owned by you as an individual are the very same Apple computer shares that the big hedge funds the big Institutional investors the vanguards of the world the top 10 of the S&P 500 This is not a hybrid version of Apple shares that you as a retail investor hold With your small block of 10 shares of Apple computers Those are very very real shares of a company that gives you exposure on an Individual self-directed investor nature, right? You don't own them through the structure that I talk about and you end up paying for that access to access that I contend you can win yourself with just a little bit of where with all a little bit of education and Mostly a lot of discipline. Okay, so self-directed investing. That's my soap box right there for you guys And it is the number one pillar of the independent investor channel differs from some of the other channels out there that Hopefully do speak along these lines for you guys that are out there that have the 401k programs, you know Those are those are an example of something that a lot of people feel more comfortable with Because they are sponsored by a larger organization and the employer has vetted that and and has forwarded that to you as an employer To you as the employee and I think a lot of people are more comfortable with that because it's kind of a out of sight Out of sight out of mind type of application Whereas self-directed investing really does require you to really keep the opportunity in a box and make some very very simple Strategic decisions. They are simple. You can do it. Okay, and the benefits that exist with self-directed investing are that they are Unarguably the best course of action that you can take if indeed your bottom line goal is Money if you just want to invest and you want to have the peace of mind Then your bottom dollar might be compromised over the long term by giving up that freedom of being a self-directed investor And opting for the the financial planners Program, you're going to see a real divergence in your options as well If you do opt for the planning route the financial planning institution route in that you're going to find that perhaps The lack of choices that you actually do have With that route can actually be somewhat of a turnoff and I think to the educated investor We hail to the educated investor there and we support your decision. We do I For a while there got into a funk of talking about other styles and other Investing recommendations. There's one specifically right now on YouTube. That's just bashing on all the big channels Seems like an interesting guy enough maybe a life of a party type of a guy I'm not really sure how productive that is I'll let you be the judge I really will but I'm off really looking at what other people's programs Bring to bear because I've come to the the determination of this What might be good for somebody else may not be good for me And I think all is fair and love and war for you guys in that what might be good for me Might not be good for you either Okay, now there's certain elements and I try to do it all I just scaled back on my opportunity to pursue Cryptocurrency in the Roth IRA. I just disclosed that in my private. What's that group? It might not be for me. I tried to let it internalize I tried to let it go it made sense to me to do what it is that I was doing and I had the account free Here's the thing it might have worked for me with the free account But I cannot bring myself to recommend that going forward. So I think we're going to go ahead and dissolve away the I trust capital account that I Disclosed to you guys have had it active now for about two or three months or so Ironically, it's the only account that's up. I actually sold Monday night right before the flash crash in Bitcoin Tuesday morning So I was like, look at me. You're lucky. I Don't really want to rely on luck with my application I'd really rather Rely on my ability as a value Investor and sometimes I really have to stay true on my conviction and And and really look to avoid temptation in the marketplace There's some discussion in the thread here talking about buying the dip. I Would like to challenge that sentiment. There is no dip. I think you guys are watching too much TV Okay, markets are at all-time highs. I know the market was down five days straight means nothing Okay, even even the gentleman that's brand a lot of hate through YouTube Admittedly has been a boggle head since 2012. Okay Congratulations, you've just put some dollars to work in the greatest bull market But for us investors that have been around for a while We still remember how volatile the stock market can be and it absolutely can be volatile Now what do what do we do about it? Okay? What we do about it is we set up a well-laid plan for the future Establish those good passive buckets. I know some of you guys are talking about DC yaying this opportunity I DCA the market every month in the tune of a few thousand bucks. I Do 20% of my income right to my investments right away and That's a strategy that will continue no matter what the market is doing in 2021 I've done very little aggressive buying on the market and I've done a whole lot of Remaining with my conviction on the companies that I have bought and owned for multiple years now There hasn't been a whole lot of additional Stock picks per se that have been added to the portfolio outside of some of the very very unique Pockets of value that I see so with that guys this is going to be super special We are going to aim for 60 minutes tonight as I walk through the top five. I've already given you one We've got four more to go the secrets that nobody wants you to know in the investing arena I'm here to kick off over rocks for you Try to seek out that extra special spark for you in your journey towards your Empowerment and your own personal finance journey guys.  So I'm not just sure if it's It's a conscious choice to give away all integrity to to stoop to those levels It really just speaks on how much time you spend paying attention to others And I think that's really the fallacy in the whole deal and I think it's unfortunate. I really do I think unfortunately It it misleads a lot of people Whereas I would say that if you're tuning into my message just to follow blindly what it is that I do You you missed the entire intent of becoming a self-directed investor Self-directed means you're in charge not me you can come in here get some motivation from the channel Absolutely, I deliver on the goods every single week. I do believe in that And I do share my story with you guys and show you the ins and outs of what it means to be a self-directed investor What it means to fluctuate in the market up and down. We had a pretty bad week this week All told Down about six grand total portfolio. I'm surprised. It really felt a lot worse than that When I was going through the week this week Let's jump right in here man and do some portfolio reviews here. This fell back below 100 Really highly on was the anchor here in the portfolio really just Very disappointed in the progress of this trade. It's you know My conviction has never been stronger, but the stock is just not responding and I am I'm I'm pretty disappointed I'm getting a little impatient. You guys need to understand I've owned this company all the way all the way up all the way down sold for a Fairly small $6,000 profit on the way down really it was a salvage maneuver. I hated to do it but I've been accumulating the position here and my bullish conviction has not changed and Right now I it just boggles my mind when we come out of a trade show and the stock the stock drops the way that it does very disheartening to see a company like Heizen, you know ring the bell and You know go up 25% like what is that about and and that's really just speaks to an agreement that I do have with the bogglehead philosophy in buying index funds and I think you'll find that a lot of my Wealth is tied up in passive investments Just like I think for the majority of you guys should be as well We'll talk about that in the second pillar of what nobody wants you to know in investing And that is the very strategy that you select here, but Down week over week. This was very rare that we're down week over week But we were we were down across the board And down about six thousand total portfolio, but here's here's where we are and like I said not a whole lot of additions not a lot of Liquidations were holding strong on these names here Not a whole lot to report here Just kind of a crushing year for me 2021 has just not been good. It's just not been good We've made money and other on other fronts, but the stock portfolio. I've really leaned against it to be a stock investor, I've really just had to Sit back on my haunches Have the conviction that I need to understand the companies that I own which I do fine It's just really disappointing to see the hyper growth really turn on its ear the way that it has and You know some some real ill advised I had the Matterport options, you know, and I went ahead and so bought back the premium Or sold to close that to close out that position Stocks guy rockets 40%, you know over the next couple days and it's like boy I'm maybe it's just um It speaks to how difficult it is in a stock pickers market But it's like man, you know, I know for a second if I sold 5,000 shares of highly on the stock would go up a hundred percent on Monday and It is somewhat of the deliberation that I go through and it's like man Lucky me you look at a stock chart on this It's just flat lined at the $10 mark here at 850 or so Just what will not move will not move and I don't know if it's the 20% Share float that is being shorted right now. I don't know if it's manipulation. I don't know if it's a big Influences that are keeping the stock down The product works, but for whatever reason they The stock really just is in extreme oversold territory by fundamental and technical means And just to give you some insight there on on really how tricky and what level of risk tolerance is necessary for that level of Aggressive investing I fail to see that Highly on is a concept company. I will not buy into that nor will I deem it A speculative company either. I understand it's pre-revenue But if you're if you're gonna bet that the company's not gonna make revenue into the future I think that takes more imagination than what I have with my bullish thesis to actually look like we're getting in on a Company on the ground floor, but we'll see I think the next six months to 12 months We'll be a telling time frame and we'll just have to see how things transcend too much positive news in 2021 but like a lot of my 2021 positions It's really been a real dog and I still look at the stock market as being close to all-time highs I don't share in the sentiment that we're in some sort of a pullback right now. I just don't I think the markets all-time highs and I think there's lots of lots of downside Potential there do I think it's gonna happen? No, I don't I really don't I'm in agreement with Kyle Passive incomes in the group here and Kyle says that I don't think we'll get that Because me and him and the savvy investors understand that if we did get a dip like that you bet your ass I'd be buying right Right now sitting on about 10% cash anyway 60 60 $70,000 in cash, you know, I always have a pretty good cash buff for probably Much richer of a cash position than any of the thinking heads would agree But or or or deem appropriate for an investor my age. I don't care It's part of the Taylor ability of the self-directed investor program that I do. I'll make it up on the back end. I'm good All right, so next portfolio is rough, too. This is mine Little bit of churn here all the names I want to be in you know This one is anchored by the passive investment in the triple cues as well as some single-stack value and a little bit Pretty good healthy mix of growth But yeah, we've just felt fell on a little bit of bad luck here a little bit with the investing Thesis, I'm not going to panic my way off of the stock market here I'm going to hold true and I'm going to be what I consider to be a really really funny thing an investor You should check into it. It's amazing And here's the m1 portfolio the passive portfolios dipped marginally week over week a little bit here 17 866 these are the sector specialty ETFs that I roll out here. Here's the dividend growth of portfolio Was staring down that 20 backed off about 300 dollars anyway No problem. I'm waiting on this sucker. This thing comes off 10 percent 20 percent. You guys are talking about That's funny. I'll be throwing a $10,000 bill into this account Yeah, but in the meantime, I just continue to dollar cost average this To to kind of fight what's going on here I did increase my contribution from 50 bucks to 100 bucks every couple weeks These are some of the strategic moves that you guys could do as well to kind of combat this and buy into the weakness Now that I do like I'm not going to agree that this is somehow Entering into a bear market or a recession like freak guys This one one freaking week in the market. Um, and it was down pretty handily every single day Uh, yeah a week doesn't make a market. We'll see what happens Then the thrift savings plans come off a touch. Um, the spark line there Again took a little a little bit of um retracement in this portfolio But this is one that I fund pretty heavy. This is up close to a thousand bucks a month very proud of this It's money that I don't need So it flows in here for you guys that have the 401k. This is the 401k equivalent for me As a military member, okay And then the calls really really kind of shifted off of the options right now looking to kind of fortify the portfolio a little bit Take a little bit of risk off the table. I think we are in a risk A deleveraging type of position here In other words, would I be throwing money at this market handover fist? No No, I wouldn't so and that's the thing is when I have people coming on and they're like Bugglehead all the way. That's the only way It's not Anytime anybody comes on to social media and says that their style is the definitive style Um run the other way Because when you come out and you say definitively that something is going to be one way or the other You'll end up being wrong. You will end up being wrong. I don't care how loud I don't care how obnoxious. I don't care how right you think you are. I don't care about your degree I don't care about your profession. I don't care about how smart you profess to be Okay, you will be wrong All right Now that's about 28 years of investing opinion provided for you for your viewing pleasure Okay, like it. Don't like it. I don't care Okay, the market is not one of those places that you can step into and say definitively Here's the right way. Here's what's going on And you know to to the credit and the constructive criticism that's being offered I don't understand on these 250 300 point down days Where some of these youtubers are coming on and they're doing live streams and they're talking about the end of the market And it's like, oh my god, the stock market's down again That sends the wrong message to people It really does and it goes against one of my strategic pillars that we're going to talk about next with strategy And I want to get through this portfolio review here. This is one that I think I'm going to go ahead and absolve away This went through a flash crash on tuesday ten thousand dollars off the value of bitcoin I sold the night before This just doesn't feel right to me. I'm not going to tell you that had any skill at all Maybe a slight inkling of instinct, but I had been wanting to do it for a while You guys can tell me I'm wrong.  That's fine But I may look to to go ahead and dissolve this account away This is just not for me if I become a multimillionaire and I can jump into bitcoin at the right price Perhaps maybe it's something that I'll do down the line But I just cannot see keeping thousands of dollars in cryptocurrency right now. That's just me Okay, and I will probably be removing the eye trust capital Off of the website because if you're not a content creator, it's going to cost you 30 bucks a month I think that's a little bit too rich to Subject your money to that much volatility. I do So a little change in heart there, but I think it's for the better and I think you guys can Appreciate the transparency there so I'll be working on taking that profit Rolling it over. I bought into bitcoin at 30. I sold one is at 52 It's sitting at about 43 45 Before the live stream today.  I'm totally cool with my decision Okay, the last thing I want to do is come on to social media and have people hear the message from me Misconstru it as an opportunity that they think is more rich or lucrative Um, then then what they actually think and then they get involved and it doesn't quite work out Okay, and there's the total portfolio.  Okay, we were at five dollars and 16 cents last week We're down to about 510 right now. I think I can still buy a big mac with that So I think we're all right. Look the real takeaway is to understand that I don't feel any different this week I'm not any more pissed off or happy this week My life didn't change. I worked out more this week Um and did something good for myself I'm I'm still off coffee four weeks straight never felt better never slept better Never felt better. I turned 44 on monday. It was my birthday So the kids took me out to red robin a lot of fun. Man life is good Just brings me back to my point about how sacred life is that's for sure. So be thankful for what you have Um, I yeah, I I get it. There was some volatility this week, but what does that mean in the grand scheme of things? Absolutely nothing. All right second pillar. I want to bring to you guys's attention to strategy Strategy can be split up into two different categories the passive strategy and the active strategy The passive strategy I'm just going to make the decision for most of you guys should be the optimal option to step into the market I've been a passive investor my entire life the bulk of my wealth is in passive investing The irony is a lot of people want to tune into the youtube Channel independent investor channel and they want to hear about my highly on holding And they miss the fact that I've got multiple layers of passive investing underneath of that highly unholding Now make no mistake. That is a an investment of a lifetime. It could be life changing. It could be I don't know Life demoralizing. I don't know. I don't believe in that We will stay true and and make sure that the conviction follows through on the name my point is passive investing first entering into the market buying the broader indexes if that's what you want to do I prefer ETFs You can do it via ETF mutual fund Index funds you can do it in whatever capacity you want But do so passively where you just enter into those assets and you fund them up over time You're buying into the philosophy of compounding interest You're buying into the philosophy that your time has to work Upon itself and that time in the market is better than timing the market Okay, so it doesn't matter what the market's doing week to week. Okay Hate to come on and be the bearer of bad news But this is the truth in investing more people need to talk like this And I would say that more people need to talk like this but I think there needs to be a lot less followership on youtube and a lot more questioning of What people are really trying to sell people on are are they really trying to bring you on? And watch the final half hour of the market close in the red to teach you what to teach you what If you can tell me what good comes out of that man I'll be better for it But I just don't think there's any value especially to the younger investors who see a down 300 day in the market And I'm like that's just another freaking day No problem And really what it comes down to as a self-directed investor is your sacred relationship with the stock market It doesn't matter what meet kevin says. It doesn't matter what jeremy says Doesn't matter what ryan says on the independent investor channel What matters is your own personal conviction and your own personal Acknowledgement to how important it is that your plan your well-laid plan that you established With discipline is going to put you into a better place into the future.  It does not matter at the end of the day. It doesn't matter. Okay A firm is a bad investment. Really it jumped 50 60 percent It jumped another 30 percent on earnings today. Does it make it a bad investment? You know, those are the types of things that I fail to Understand about criticizing other people's programs But buying into the passive program can really help you then you can look to layer on that more active profile Because as a passive investor, I talked to a lot of people who don't understand that they can buy The dividend growth strategy passively This can make a lot of sense for people who want to get a little bit of exposure to some single stock element By exercising that passive strategy and then the active strategy with more of a speculative palette Can go ahead and branch off into that some options. I know all good is really into options I think that's fabulous. Why because it matches with her personality. It keeps her busy. I think it's fabulous What better hobby would you rather get addicted to? I mean, I'm kind of addicted to drinking green tea now But it works. You understand my point. Okay So that's it a pillar number two for those things that people don't really want you to understand Is to give you the acknowledgement or the wherewithal to pick your own strategy It's a piece of cake. Don't make this thing more difficult than it needs to be. It's not that hard It's not that hard starting an account and putting an smp 500 index fund in there And maybe a small cap index split it up 75 25 If you can't do that Okay, I just did it for you but if you're Not paying attention enough to where you don't feel comfortable with with taking that step give yourself some time But that in essence is what you kind of need to do is resonate with The the strategy that you want to deploy once you come up with that strategy The next pillar that people don't really want to Acknowledge that people can determine for themselves is their Own personal tolerance to risk This is huge My tolerance to risk to own a highly honest different in other words I'm not going to be shaken from my position Based on some morons and a yahoo thread you guys if you follow me on in there Most of my smart ass comments are really aimed at the morons in there who just go in there and offer Equally no brained opinions about the stock action every day doesn't freaking matter It does not matter but the the real takeaway is to understand that If the stock goes up on somehow a hero as an investor if the stock goes down I'm somehow a zero in the investment None of those two things are true The very fact is that I've chosen to walk this a little bit more aggressive road To take on the risk to the downside And the potential to the upside and I have the tolerance to deal with it.  You're not going to be able to just set it forget it Okay, and expect that That level of diversification and protection exist on the single stock side of the house because it doesn't Baby, you own a hundred percent of that position Whereas the s and p 500 you own a piece of 500 companies the total stock market index you own 4 000 companies Okay, you are protected by diversification Right, you are Subjecting your money to risk, but let's be real Look at how much of the market would have to fail before that entire etf topples over So you're putting your money into 3784 companies rather than One requires a little bit different risk tolerance and application takes practice Don't think they're teacher going to hit a home run right away. Give yourself a chance That's why stepping into the market responsibly as a passive investor will help give you an idea of When something feels kind of uncomfortable And when you can actually look to take on a little bit more risk in your application, all right The fourth pillar is your time horizon. This is pretty important Once you understand that you have 20 or 30 or even 40 years to invest Well, then that can help allow the other elements To fall in line So if you're 20 years old out there and you're looking at a 20 30 40 year investing time horizon Then that may help You sit back and say, you know what I understand what ryan's talking about. I understand the importance of passive I understand the importance of kind of staying close to the vest, but I'm young Right. Is there anything prohibiting me from starting a little bit more of an aggressive bucket over here? there's not And that time horizon really can help you understand What type of strategy to choose And it can really help you take on maybe a little bit more risk tolerance Right. In other words, if you're asking yourself at 60 70 80 years old to take on a risk tolerance That's not conducive to a time frame that might be shorter than somebody who's 20 years old Then you're just being unfair to yourself Right. So if you can get that alignment of the time horizon I think you'll be better off for it and it can actually help With some of the other decision making capabilities on how you define Your own self-directed investing program and the fifth thing I will mention I've got to all five of my lesson points and I'm very satisfied Then I'm going to jump in and get to some comments because I never get to my lesson never Fifth thing people don't want to acknowledge Make investing yours Make it personalized Make it personalized 10% cash on the side. You go into a financial planner. They're going to want it all You want to invest in single stocks? They're going to discourage you away from it You want to invest in low-cost ETFs index funds? They're going to talk you off of that and they're going to talk you into the mutual funds Why?   I don't care about a yahoo thread All I care about is the sacred nature of that relationship between me My wealth and what the potential is of that wealth for me and my family all the distraction It doesn't matter.  There's 62 people in this message I would give this livestream with the same passion the same intensity The same consistency if there was one or two people in here bob and all good They know I would They know I would But there's 62 people in here right now and they're hearing a message in understanding that it's okay It's okay To relate with the idea of taking charge for yourself.  Okay The only thing that matters in this life is your agenda. I don't care if you make mistakes I don't care if you think you don't know at all I don't care if you think that you have to be an analyst to succeed in the stock market I don't read balance sheets very often. Okay. I don't need to Okay, I've garnered over a half a million dollars of net worth just being a value investor And adhering to a disciplined plan in my application You can do just the same. There's nothing that I do that is extraneously Unique there's nothing that I do that you can't do There's nothing that I do that I don't openly share through the social media experience That's the beauty of it. Now, would it be different if I came on here and said I I lost a half a million dollars But I still believe in my idea probably not Um, I demand results from people If you want to come to the day table with some convictions You need to show me some results and by god dare I say maybe you should show me some results That's been rendered beyond 10 years of investing then come talk to me not within a bull market But through multiple downturns through multiple corrections through multiple Bear markets and the ability to hold true to your program That means something to me you do that to me and you have earned my credibility and hopefully Hopefully we get you to a point where you've earned your own credibility And you can hold your head high knowing that what you do works is this stuff. It does work Thousand different ways to end up in a successfully financial Financially successful situation in your life I just show my very unique way of accessing the market in the capacity that I do Hope you guys appreciate that. All right guys, increase the bottom here. See who's in rebecca's in the house man. Fantastic It's great to see you So many empowered investors Six figure investor absolutely something to be proud of they're out there. They're out there and Wealth is not in the form that you would think that it is. It's not if you looked at me out on the street, man I I typically have my Outlet close on that. I just paid $12 for on discount. I might add And you'd never know the level of wealth that I have why because we as society want to stereotype everything We want to say no no this person over here has a lot of wealth. Therefore We we should follow them as a beacon of hope and light.  All right Click it Click it Click the down like I don't care. It's no big deal I just am happy that youtube gives me the technology to reach out to people Mm-hmm. Yep, I use it and I abuse it for you guys that don't appreciate the promotional videos that I do That really gives me a financial boost to help support some of the other initiatives on the channel But if you do enjoy the content on the live stream A payment to me would be to kick on there and help me support that I don't do that to piss you guys off I do that for the money element because I did this channel for a long long time without any money And I didn't start it for money. I didn't start this for fame and claim I didn't start this to do anything other than to put out a word That I was passionate about and that I knew worked but that small element came to my Into my wheelhouse and I never would have expected That that opportunity would be made possible by what I have online Through basically an online resume on the independent investor channel And people can tune into my video and say damn, you know, this guy does speak from the heart You know, let's segue this into an opportunity and by god You put that type of effing money in front of me. I'm gonna take it. Okay. Yep sell out. Yep. You're a sell out Ryan Yeah, I just beg to differ man. I beg to differ. There's nobody like me Nobody can deliver the live stream like me You're not going to hear another live stream like me a lot of people have said oh everybody says that Bullshit Try to find a live stream like mine You won't You won't it's the only live stream I watch Every now and then I kick over to kyle's and matt's to help them support their project because they're hustling Just the same and while a lot of people are sitting on their haunches Be an ass backward lazy in this life We work with a sense of urgency and that I respect and I would just ask that some level of mutual respect is pushed through The independent investor channel for the multiple ways that i'm pushing through con content Some of the legacy ways of pushing through content. Don't make me a dime Don't make me a dime. So those lucrative elements I would expect that some people the very few who have said hey ryan. Good job. Congrats Would be in order. Do you think I get that all the time?  I don't know All right But I do have a level of integrity and I'm very very scrutinizing with the projects that I take on But that is that is an opportunity that I will that I will run to ground. There's no doubt very hungry I enjoy doing it. So why not do it? All right Pay-O-D-T. I like pay-O-D-T penny royalty fantastic I saw what a Kurt Cobain's last interviews this week. It was pretty awesome man Guy was legit. He talks a lot a lot a lot along the lines of what I do about what he sees being Unfortunate in life Really like people most people Disappoint the hell out of me. They do That just because I don't I don't sense that people run quite at the sense of urgency that they need to Life's a gift. You never know if you're going to die tomorrow in 10 years or if you're going to live a long and prosperous life that of which I Wish you all the best in okay, but life is a gift Make it happen right Yeah, I hope so. I don't want you to come to the channel for any other reason than you like me Okay, you can disagree with my investing style. No problem. You can hate me. I don't want you on the channel I want you to come on the channel because you can feel like it after 60 minutes. You can step away and say Okay, well, that was not typical youtube That was not Um, he didn't script that I'm pretty sure I was watching his eyes the whole time And there's there wasn't a whole lot of this going on. There was a whole lot of this Talking right to you Giving the goods telling people what they need to hear I'm gonna cruise up for the last few minutes of the live stream anyway I Try to try to hit some of these military discounted as they would have offered. Sorry It's a cool project. Um, it's not going away. He's talking about the investor group It's a lot of fun I've held off from charging the the group that's in there now because I just have a lot of fun with it But I think it will kind of come to that here shortly Because I do pay for the website myself that comes out of my pocket And I just monitor and see kind of how things roll out I'm I'm very very careful With balancing the value To the cost and whether or not it's worth it to roll those projects out, but I'm very very careful when uh looking at um evaluating the status quo within my business And um, I know there's people in there that really appreciate it and they feel like they're part of a family And they are it's a very very special. What's app group? I I'd really like it man You know, Jamie's my brother from another mother. He's he's a viper in the group He would attest to this we were just having a discussion before I came on live That that's the connection and comms piece that I do provide a lot of value on It's just um one of those funny and fickle things in this life. No nothing's for free And um, I think that the the irony in that is that a lot of people expect a lot of stuff for free Mm-hmm. Mm-hmm. I do my fair share of giving away the goods for free guys. You just got to listen Okay, that's all I ask. That's a prerequisite of coming on the channel very very simple. Okay Decided to dip my toes in the smg very good. There was that discussion adrian going on before the um Before the show tonight very cool. Vo is dominated by big tech. I'd rather choose my stocks. That's a good point, bob It's a good point. Um, I do own a little bit of vu, but I own it in scale Okay, it's one of those things that um, it makes sense from a wife to have as an anchor within the wrought thigh array I don't think there's any better of a flagship product Then vo in representing the smp 500 and I've seen it perform very very well Um, that that's the problem is that when the market decides to take a hiccup these these indexes will they'll suffer stocks go down And um, it it'll be the shining light that I provide on youtube as well to say you're still all right You're still doing fine. You're still exercising.  Um, you're still fine And it's that separation of perspective and not getting emotional about your stocks Jesus why do we keep like digressing and falling back into like habits that we all know Are bad habits to fall back into really are just separate. Don't even look at it.  Okay, find a little discipline for yourself. I don't know.  I don't know But teach yourself a little bit of discipline man. You got to figure it out with this investing opportunity. That's the way I'm a pullback tqqq Yeah, so the cues I own in mine. I really like it. Um, matt really likes the triple leveraged Um, it's it's really it really works for matt really does You know and it just speaks to the different style It really really contributes to the conversation You know matt's got products right off the top of his head just like I do to offer to the group and It's it's really a lot of fun matt. Thanks for offering certainly You know, I'm I'm really not in the pullback camp. I'm really not We'll wait to the market really really comes off. I think it sees below 30 before it sees 40 We've just ran up off of this pandemic low Covid has really really thrown a big monkey wrench into the the stock market stock market does not know how to react And um, it's we're in some interesting times right now I'm going to continue to be long the market. I'm going to continue to fund the market But as far as being aggressive on establishing big positions in in new stuff right here I I'm I'm not I'm good. I'm happy You know, I'm happy with the projects and some of the income streams that are coming in All that stuff goes to cash like I'm not using that to buy outside of my dca schedule Okay, so if you just kind of listen to me, you can understand maybe how I'm taking a little bit more of a defensive posture When it's time to be offensive, I will but I've been in defensive mode most of 2021 You know It's been relatively a fairly poor year and I think a lot of that has to do with the underperformance of my Speculative portfolio will be fine. It is what it is. I'm reporting to you real time in the short term Doesn't matter What I say now where highly on goes into the future or so fi Which I'm very bullish about my long calls on wish Those are going to materialize and they'll they'll be fine Okay Some of the other speculative positions that I've got they'll be fine long term. They're just not good right now What can I say? Truth hurts. I guess I don't know. I don't get hurt by the stock market man. I really don't tom h says Hey, ryan fingers crossed for a bigger dip Maybe what sectors of the market would you be looking to add to here on a further dip? I like healthcare. I like materials. I like industrials on a dip although they've come off fairly heavy But you know, I buy all the sectors at the same time And I think I try to avoid the zigzag game because if you try to pick the right sector to add to Um, I think you end up zigging when the market zags. That's why I own them all I own them all in the capacity that I do in that smaller $20,000 portfolio with M1 finance So I own them all right. So if technology does sell off a little bit and it rotates down to the bottom in materials Maybe even some energy. I mean energy has just been forgotten Just forgotten, you know, and those fund flows will go back in there I've always liked financials. You know, I like them all. I think if there is going to be a rotation It will be in tech I I I hope I'm wrong and some of the individual names that I'm very bullish on salesforce.com Apple google came off today. I mean if you were looking for a dip in google, I guess on a one day that was today Right, um, you know amazon amazon's always a buy. It just it never gives you an opportunity to buy it It just recently did when it hit 32 and nobody talked about it So, you know I to each a zone pick your poison I think facebook is still undervalued here facebook is still a relatively new company You know at just shy of 400 a share. It's undervalued So all kinds of different opportunities You just need to pick your poison whether or not you want to buy the sectors to your point by all the sectors Buy a total market or buy individual stocks out of each of those individual Sectors, I think health care has come off a little bit. It's always been one of my favorites. I like financials. I like materials a lot I like materials a lot and then industrials have already come off a lot and industrials is one of my favorites as well Okay, that's a good question, man. Very cool Wonder how hard it would be to become a financial advisor at this point. I just wouldn't want to there's too much Um, too much of a difference black and white from what I'm trying to advocate for And you know, hey, I'm not on here for entertainment purposes.  I mean most of you guys agree with me on this. I'm preaching to the choir Good grief, but you expect something good to come out of that transaction.  Holy's they have trained that young girl or gal or or guy to sit behind that desk And run you through a corral That's what they have trained them to do. That is the industry So I'd like to think that it's somewhat harder. I I don't know.   That is garbage All right, let's cruise up the the roll here. You got a couple minutes with a ton of people in the group here, man A good support. It was a good robust live stream. I do apologize for my soapboxes I couldn't get a whole heck of a lot in on the group here. It's really nice to see Dave, man Very cool to see Dave Um, I saw him and jerry on a live stream this week I popped in for just a little bit nice to see those projects are blossoming very cool We're all looking to grow our messages in one capacity or another and it's really nice to see the community grow You guys are all vip man You guys are all part of the independent investor community But I really want you to be very very crystal clear on this fact Your involvement in this community is predicated upon the cess that you can garner for yourself Okay, it has nothing to do with the value that you put on what you hear from me and that you can apply And somehow attribute back to me because you heard it here It has nothing to do with that It has everything to do with your ability to separate from what you were predestined to achieve in life And how you've been able to separate from that predestined path and accelerate your path And separate and expand upon that path To personal finance and personal financial freedom for you and your family guys So with that we will be back in two weeks. All right, I'm taking next friday off To take the little fell out of friday night lights wish you guys all the best Please heed my ask of you take a few moments in reflection of 20 years after tragic accident 20 years ago on 9 11, please And you guys be safe be well Appreciate what you have and we'll catch you back on the independent investor channel live stream In two weeks from now guys take it easy. Have a great great weekend


Hi, syntax, as you may know, is the study of sentences and their internal structure. This unit discusses and exemplifies a number of formal concepts and notions necessary for the study of syntax, such as the discussion of sentence types and the use of phrasal and simple syntactic categories. In the main content units, which contain an e-lecture and several microteaching videos, we will look at syntactic categories, we will discuss various sentence types and will compare traditional instructional views towards syntactic form. If you don't know where to start, use the question set in the how to proceed section as default guidance and make use of its hyperlinks. And as always, document your learning progress by ticking off each unit you have mastered. The mastery test is a choice task, which should be easy to manage after content mastery. And our suggestions for in-class activities are all about sentences, clauses, phrases, thus a practical full of data ready for analysis where you can apply your expertise. So all in all, quite a bit, but manageable.


Bacterial cellulose, BC, is a type of cellulose produced by certain types of bacteria when grown under suitable conditions. It is characterized by its unique three-dimensional structure, which consists of a dense network of nanoscale fibers. This structure makes it ideal for use in various applications, including paper production, electronics, and tissue engineering. BC nanocomposites are composed of BC and other materials, such as polymers, metals, ceramics, and biomaterials. They can be fabricated using static or agitated methods, depending on the desired end product. Biocompatibility testing is important for developing BC-based materials for medical applications such as bone, skin, and cardiovascular tissue engineering. This article was authored by Omar P. Troncoso, Solín Camos, and Fernando G. Torres.


Hi there. Welcome back to my YouTube channel. This is Daniel Rosal here. I want to record one more video today on the whole subject of mental health. Now, this is a video that I think is really, really important to do, because there are a lot of videos on YouTube about the withdrawal process from selective serotonin reuptake inhibitors, better known as SSRIs, videos about SNRI withdrawal, and some of them say some people have really, really bad experiences to say and get crazy, crazy brain zaps and all these symptoms. Now, the reason I wanted to do this video is because I was on the medication, a SSRI for a period, and I had very, very little in the way of problems coming off the drug. So my attempt here is just to basically say that not everybody goes through a terrible withdrawal. The reason I am pushing myself to put this up on YouTube is because as a general truism in life, but especially on the internet, which is magnified, people are much more likely to share a negative experience, unfortunately, than a positive one. If you have no trouble whatsoever coming off Zoloft, your motivation to do what I am doing right now and record a video to put on YouTube or write a post on Reddit to say that really wasn't so bad, just think about it. You probably got better things to do than to share that you had a fine experience. So there's a lot of people out there who, if you ask your friends, if you happen to know any friends who are open about the fact they've had anxiety, depression, or another mental health problem. Now, I grossly underestimated how many people, even in my smallish social circle, I know who have taken these drugs, and once I found a couple of real people to ask, I got very different perspective than what I found on the internet. Now, the reason I'm saying this is because I just did a video. My mental health journey is one involving ADHD, depression, and it's taken me about 14 months to find a medicine that I'm hopeful, if I can find the bottle, wherever it's gone, I'm hopeful will be the one. But I could have got going with the process four years sooner if I'd taken an SSRI the first time I had the idea that maybe I've got anxiety or something going on and a drug like this could be useful. The reason I took, it took me like breaking point, basically. I had my gallbladder out, started having horrible digestive symptoms, and on top of everything else going on in my life, I just reached kind of the point where you're like, no, I need to get help for this. But if you can avoid getting down to that point, I think it's better and I could have avoided reaching that sort of like mini crisis point, let's say. Has I gone on an SSRI a few years ago? And the reason I didn't, which is what I was about to get into, is I read so many bad things about these drugs on Reddit. I read about brain zaps. They sound like the worst things in the world, your brain's electrocuted or feels like your brain's being electrocuted.  And I'm not devalidating or denying anybody's experience using these drugs. I'm sure there are people who've gone through impossible withdrawals and protracted withdrawals. I'm sure there are people who have developed PSSD and permanent sexual dysfunction as a result of using SSRIs but I'm also sure that there are other people who have not developed PSSD who have not had scary withdrawals. If you want to hear what my withdrawal was like. So I started out with Vivance and we were trying to figure out well, is energy issues you could say coming from ADHD or coming from depression. So I got on Vivance. Most stimulants have made me a bit depressed. So we added on a SSRI. Zoloft took that for seven months. I think approximately, don't quote me on it, in that region. And at some point I decided to come off the drug. I did tell my doctor that that's what he really wanted to do and he was like, it's your body. But it was kind of my decision and it was a bad one. I was convinced at the time that Vivance was the be all and end all. And if I just continued taking it, I would just kind of hammer through any depression and it did not work out like that, unfortunately. But so that's why I came off it. And when it came off, what was it like?  I did not experience it. I'm actually honestly kind of bummed out about that because if I had had one brain zap, I'd at least know there was so much anticipatory anxiety, reading these threads on Reddit about brain zaps and coming off these drugs that honestly, if I had one, I kind of would have been like, ah, so that's what a brain zap feels like.  And yeah, so coming off it, I basically felt a bit blue, depressed for a bit a week or two, nothing crazy, really nothing crazy. It was a difficult time to do the drug withdrawal because I just went on a trip to the US, so not ideal timing at all. I could hardly sleep for a couple of weeks for more than like a few hours. What else did I have? I felt really sick for a few days, like almost like physical nausea. But it really was not that bad. And I guess being actually being on a trip to New York probably actually helped it because they didn't really have time to think so much about my health. I just kind of tried to get through it the best I could. But basically, how bad was my withdrawal on a scale of 1 to 10? 2, potentially 3. It really was not that tough. Now again, I'm not saying that people don't have terrible withdrawals from these drugs. I'm not saying that you might not. There are people who are rabidly against SSRI drugs and I'm going to leave comments open on this video, but just bear that in mind. Some people might leave comments like that. My experience was fine. And here's the last thing I want to say. I would not hesitate for a minute to take one again. If I needed, if I thought that what I'm trying now while butchering isn't going to work and an SSRI would be better, I would start Lexapro or Zoloft or Paxil or Prozac tomorrow. I think they can be life-saving drugs. I'm sure a lot of people owe their lives to these drugs. So that's my thoughts anyway. I just really felt the need to put this on YouTube because just to try and create some balance because there's so much more information coming out there from people who have had really difficult experiences and I just feel it's my obligation almost to share an experience that I would say was really not so bad. Thank you guys for watching this video and wishing everybody good mental health.