Good day, fellow investors. I'm here again today with Yao Kai Yang and today we're going to discuss a very very interesting Chinese stock. One stock that I have been covering for already six months now and that Yao Kai has been buying lately because the stock price dropped. It's Beijing capital airport, so it's the airport in the capital of China. They are building a new one, but that's a very interesting story and that's the reason why the stock price dropped. But Charlie Munger is invested in a Chinese airport because he says it's simply an airport. They are building a new one, but that will be it and so you have the mode.  People will fly more and more as the years pass, so it's practically a great business. But we have to see now, okay, is it great value? What is the return we can expect and where will this lead us in the future? Let me just show you what has been going on lately. So as you can see here, the price in American dollars declined approximately 50% over the last year, year and a half from its peak. But over the last three years, if you look at the bottoms, it's still close to where it was bottomed in 2017 and during that crisis at the beginning of 2016. So from a low perspective, it's on its lows, but you can see when there is positivity, when there is improvements, it can really explode. So a very interesting stock from a business perspective, but also from a trading perspective for all the traders. Out there, when we look at revenues, they have been constantly increasing over the last 10 years. There have been some investments. They had some debt. They have repaid debt, so it's practically closely to a debt-free company, profitable company, but there have been two issues that happened during the year that really affected the stock price. And Yao Kai will tell you more about those issues. Yeah, so the first thing that happened was CACC. I think the Chinese Civil Engineering Board or something. These guys used to... So there used to be a fee attached to the ticket that used to be paid to the airports through a mechanism called the Civil Aviation Fund or something. And earlier that last year, they decided for the publicly traded airports, they would no longer get that fee. So that could like 25% of the aviation revenue from Beijing airports going forward, like starting at the end of November 2018. Starting 19 is when that's going to take effect. And the second thing that happened was they announced that the new airport... The move to the new airport will begin by the end of 2019 and they will move China Eastern and China Southern flights all to the new airport. And those two account for about 40% of the passengers in Beijing capital airports. So 40% of that is going to the new airport, which is called Daxing. And yeah, so that's the two things that really hammered down the stock. And it was trading basically at book just a few days ago. So if we look now at how analysts changed their perspective on this and what hammered the stock price, we here have a chart from DBS bank estimations. And you can see how the number of flights, expected number of flights, declines from 1,750 in 2019 to 1,150 in 2021 when all the re-education is finished. And only from then on it increases again to 1,400. So let's say we have one, two, three, four years of declining number of flights, which would really hammer or an article revenue and none out of an article revenue a little bit less because that's shopping and things like that. So with revenues going down so significantly, also the estimations for earnings changed. And in the model that I have built for myself a few months ago when I started the coverage of this stock, I estimated, okay, first we have a decline in revenues, but then I didn't estimate that so many new airlines, so many airlines will switch so quickly. But that's how things go in China. But now we have to add that hit to the estimation and another hit. And then we get to, okay, we can calculate what are the future cash flows. Usually 40% of that is paid out in dividends, which is okay. So you can expect the dividend yield from now what we are. 3% that should go up to 4, 4.8% then decline as the number of airlines decline.  And then in the long term 5% and then it should grow at the steady rate of 4-5% as the industry grows. In any case, a very conservative target price or entry price for me expecting a 15% business return on this one was $0.68. And if I would be happy with a 10% return, I would buy this at $0.9, which is still above the current price. But here I include a 30% currency drop, a devaluation in China. I include a recession in China on top of all what has been going on, which is unlikely to happen. But I'm still always targeting, okay, what's my margin of safety? Watch my return without risk. And I want it to be at 15%. So that's something that really skews my perception. But this is, let's say, the worst case scenario. And Yokei will now talk about things that might improve this scenario and also that might be different from what other analysts are expecting. So a couple of things is even though 40% of the passengers might get relocated to Da Xun, the ones that are staying, so Air China and Hainan Air, are the ones that are operating the international flights from Beijing capital airport. If you look at China Southern and China Eastern, yeah, they are 40% of the passengers, but most of their flights are shorter whole, a couple hours, and very few are international. With international passengers, first you charge them bigger fees. Secondly, they are generally better off and they spend more money in the airport. The airport business works that you don't just take rent from the stores. You also take a revenue cut. So as the revenue of these stores increase, they actually get higher revenue from these stores as well. And the next two things I want to talk about is one is the distance. So the old airport is generally more desirable. The thing is like 30 kilometers away from Tiananmen Square, which is the heart of the center, the dead center of Beijing. It's designed that way in a sense. So the new one is 60 kilometers away. So that makes a huge difference. If you want to travel, and you had a choice, you probably would prefer the old airport. So that's one thing. The second thing is this is a bargain even in a comparative basis, even in China. So some of the other established airports are selling at about 10 to 25 PE, quite a bit above book. And the new airport that's built has an investment of 80 billion yuan, Chinese yuan. And this old one has an enterprise value when I bought it of 27 billion Hong Kong dollars, which is cheaper than Chinese yuan. So that translates to probably something like 24 billion Chinese yuan. And they have the same design capacity. And the old airport is also closer to the city center. And so comparatively, I'm getting a pretty big discount. I'm getting like more than 50% discount for something that's arguably better. And I like that as well. And in the end, I also have some irrational likes for airports. I somehow just like airports. That's more emotional than analytical. But what we can say is, okay, Beijing airport is an airport there. It will be used for the next 50 years for sure. And one very important thing with Chinese stocks, especially these kind of local monopolies, this is no concession. If you look at toll roads, railways, there is always a concession expires in 10 years or 20 years. And then ciao ragazzi. But this one, it has practically constantly its business and doesn't have to worry about any concessions. And it shows. It shows. For these guys, what they do is they just pay down debt and pay dividend. And for some of the toll roads, they started buying random stuff like some goals into real estate development, which is a favorite for all the Chinese companies to diversify into. And then they also buy some, what you call these things, securities companies, brokerages. So they would buy some brokerage firms as well. So it shows. Because of the concession expiring, there is a pressure on capital allocation for these toll roads. But there isn't for these airports. The airports are fairly focused on their main business. And that should lead to more dividends in the future. What do you say about the news coming out in July when Beijing Capital Airport paid 678 million dollars to purchase GTC property? So there is a bit of a self-dealing because the so that's a risk you have to keep in mind. And this company is owned by the parent company, which is the Beijing Capital Group or something. So the parent company also owns the new airport. So it is possible there will be some self-dealing in there. And that's something you have to keep in mind. In China, it's going to happen. But generally, they don't do it too excessively. Mainly, like in China, they're just saying that you should have some eating manners.  There is a limit to that. But it is a thing you have to keep in mind. It will happen from time to time. But don't expect. Because when we think about it, the investment cycle is over. I think they have some capex for 2019. Yeah, they don't have much. And then they are done. So they could practically pay out 80% of the dividends. And that would lead the dividend yield in five to 10 years to be 10%. But do you think they will pay a 10% dividend? Or they will invest 5% perhaps in the new airport through a capex sale? It is possible. So always keep in mind it is possible. I can see that possibility. It's not a non-zero possibility. But still, then we still should think, OK, it's still investing in the same. The new airport is a chip. So it's OK. Yeah, so they're still investing in the new airport, still the same industry. The industry that has a moat in Beijing because there will not be a further airport. I mean, even if there is, it basically means that there is a capacity constraint. Because this thing has been under a capacity constraint for like three, four years. It was designed for something like 80 something million passengers per year. It was running at 100 for the past five years or something. And it kind of makes sense because if you look at, you know, you could compare Beijing to New York, both in terms of population or the importance in commerce. New York has three airports are both made, all three of them are practically maxed out. And it carries something like 300, 270 million passengers per year, something like that. I'm pulling a number out of memory. Beijing airport at the moment does 100. And then it doesn't have to serve just itself. There are two other cities that will rely on Beijing for the Long Hall International flights. And that is Tianjin and Shi Jiazhuang. So those are fairly sizable cities. So you have a very similar situation to the tri-state area. You know, the New York airport doesn't just serve New York. It serves also, you know, some of the Connecticut people and then also the New Jersey people. So you have that going on there. So even if they build a third airport, I won't be too worried about it. But that will take decades. They first have to finish the first one, the second one, and then finish it, which will take seven years for all the runways. So in the capacity, the traffic is expected to constantly grow as air flight develops inland and offshore for all the countries and everything. So we are now, let's summarize a little bit. We are talking about a good durable competitive advantage investment that I don't think you can lose money. And I think Charlie Munger says when he bought an airport in China, I think he bought Shanghai airport. Oh, that's the crown jewel. Okay. So he bought that one and he says it had no debt. You cannot lose with debt. So that's the first rule of investing. And you get the dividend now of what? 3%, 4%? Two percent, because that thing sells at his cost, probably much lower. The Shanghai airport is trading at 25 PE, I think. It goes at three something, I think. But this one, the Beijing capital airport has a dividend yield off? Three something. Three, three something. It might decline if rather decline a little bit, but then it should again pick up in the future. So you can expect a recurring stream of dividends for the very, very long term. And very unlikely that it goes bust in any case. So and there is always, they are deploying half of that capital again into some new investments like what they bought recently that should allow for higher profits and things like that. So you can't practically go wrong with this investment from this perspective.  Well, it's, I'm getting it at book, right? You're getting an airport at book value. It just the thought of that makes me excited. And am I getting, I'm also getting it at like 60% relative discount to the new airport for something better. So the deal hunting aspect of me also can't resist this. So and there is always the fact if this stabilizes or if earnings or revenues don't drop 40% as expected, but those drop 25%, then we can expect a revaluation and then we can expect this thing to have a similar valuation to the Shanghai airport, which is a 25, which means that the stock price will go from 0.9 now to 2.0 something. Yeah, 2.3, 2.4, yeah. 2.3, so and that's something extremely possible over the next 5 to 10 years surely. As soon as it is priced as an airport in the world, there is always the risk of Chinese regulatory things and things like that. But sooner or later, people forget about it and the stock shoots up like it did a year and a half ago when practically everything that happened was known. Yeah, everybody knew about the new airport. New airport isn't something that came out yesterday. They've been, I mean, you don't take it, it doesn't take a day, right? They started building it, started planning it in like 2002 or something, started building it a couple of years ago, like three years ago. But that's always the myopic market. They always wait for the news to come out before implementing into the models and they call me crazy for always talking about the risks, risks, risks, but let me first add all the risks to my calculation and then sooner or later. And then everything left is upside. Yes. So I still think that maybe with the slowdown, global slowdown or something like that, you can get this cheaper, especially if there is more turmoil in China or things like that. But we are already dealing at such a low that it might happen, but it might not happen. So if somebody wants to enter this in stages, it's definitely a good point to enter like you are. It could be, for the next three years, the stock doesn't go anywhere, but the value of this property will just keep going up. And it will be a perfect period of time to accumulate shares. And there might be other drops, Trump tweets again and Beijing airport drops, and then you can get even cheaper prices. All right. So very interesting story. Very interesting stock for our viewers. So something to watch, learn more about, of course, do your own due diligence as always and then see how that fits your portfolio. Thank you, Yao Kai, for sharing your knowledge. As Wood Munger says, that he has a very young Chinese that speaks Chinese and English, and that's always a great asset when investing in China. I'm a Chinese that speaks English and Chinese, but not sure about very young. No longer very young. Come on, come on. All right. Thank everybody for watching and we'll see each other in next videos. Don't forget to check Yao Kai's YouTube channel. Invest with J.Y. Kai with a lot of videos about such investing gems as is Beijing capital airport that we discussed now. Thank you. See you guys.


Old masters used paints containing mixtures of oils and proteins, but we lack an understanding on how and why proteins were used. Here, the authors use egg yolk in combination with two pigments to evaluate how different repartition of proteinaceous binder can be used to control the flow behavior as well as drying kinetics and chemistry of oil paints. This article was authored by Offaly Vanquitt, Celia Juice, Emilia Bramante, and others.


Good evening. My name is Howard Wooden and I'm here to help coordinate and moderate the South Burlington School District budget presentation. I want to introduce who we have on our panel here tonight. I'll start with the students here because they're right here. My first student here is Cole Patno.  And then this is Arnell Husserevich. Yes, exactly. And I was working on that one for the last five minutes and Arnell is a senior and then we have the we're lucky to have Elizabeth Fitzgerald who's a school board chair here tonight and the business manager Amadee Denton. I said that right, right? I did, thank you. And of course Superintendent David Young who has done this for a while and we know each other pretty well. David, I'm going to turn this presentation over to you, but I do want to remind our viewers that if you would like to call in a question, we do have a way that you can call it in and all you have to do is dial 862-3966. That's 862-3966 and we'd love to get a live question. I'm sure these folks would too. So David, I'll turn it over to you. Great. Thank you Howard and thanks again for Channel 17 hosting us. Again, we have a lot of folks here, but it's obviously important to us and we're going to walk you through our presentation. Each of us will have a few things that we'll share and we do want to leave a little bit of time. Hopefully there'll be a call in and we also have a few questions if there's some time that we can respond to that were kind of our frequently asked questions. So this is our 2020. It's hard to say that. Seems like time is really flying here, but this is our budget information for 2020. I'm going to hope that I can move through this without error messages. But first slide is our recommended budget objectives. And one of the things when we first start out, the school board provides some directions to me and then we formulate kind of our objectives for the year. And what you see here are just a kind of a quick outline of the things that we're considering around building the budget for the future. And the first out of that is just opportunities that we want to make sure that we sustain for the year ahead for our students. We know that opportunities both academic and other kind of co-curricular type events are important. So this budget works to achieve that. Also our continuous improvement plan. These are kind of our plans around how we continue to improve. We look at assessment. We look at professional development. And lastly, also about making sure that students and staff feel safe in places where they teach and learn. So those are, again, quick overview of our objectives of our budget. And I know, David, that you guys have an incredible process, very inclusive process to even come up with these things. So it's kind of amazing to me. Right, right. So next, as a student outcomes, we want to let both Arnell and Cole take the lead on this one. Yeah, so I'm obviously in my senior year now. And I've gone through all 12 years of Chamberlain school to FHTMS, to high school. And so I've really gotten first-hand experience of all the programs and amazing opportunities that our schools offer. And obviously, I've now been able to get accepted into my top choice in college, which is American University in Washington, DC. So I really attribute that to how our school has helped me get to that point. And I always talk about last summer, after junior year, I went to a Vermont boy state in St. John'sbury, Vermont, where we really got to experience kind of a political climate and working with all boys around the state. And I know there was a girl state as well. And that wouldn't have been possible without our guidance department being able to help fund us that and help get us to that point. And that was obviously a turning point for me. And obviously, as I've gone, I always talk about Chamberlain school is where I started. And that was always a place where I always felt really welcome. And I mentioned how it's helped me for college. But there are a lot of opportunities for students that aren't going to college after high school. I know just recently there's a lot of workshops that are Career Development Center posts for students who don't maybe see college as their post high school plan. And so there's always kind of movement around how to help students in any way. And then also I always talk about how there's a lot of dual enrollment with college classes. So we can take classes at UVM and that CCV for free. We get two free vouchers and I know Cole takes that as an advantage. And you can talk about that. Yeah. So as a high school student, you get two vouchers for dual enrollment and you get to take two college courses for free. And then you also have the ability to take early college, which is where you're taking your last year of high school and your first year of college simultaneously. And so I know a lot of our students here at the high school take advantage of that. Our school has a huge spectrum of our after school activities that get funded. And so I myself, I'm the student school board representative. I'm the junior class secretary for student council. I do so much with the drama program both at the middle school and the high school. And when I say the middle school, we have the Career Development Center at our high school where they help you with like getting internships in fields that you might want to go into. And so one of the internships that I've done is I help mentor middle school students with their drama department. And so I like to help them with scene changes and learning their lines and all that kind of stuff. And then I've also done an internship in our school as a teaching assistant because I think I want to go into education. And so I was able to be a teaching assistant in a math class. And so that was a really great opportunity that our school provides. Something that's like a big draw to our school that's like awesome is that we're ranked one of the like best high schools and like best districts in the state. And so like it's just cool to like have that on your back. Like being able to be like, I go to South Burlington. And so it's cool being able to say that. So I'm going to recap briefly what our budget looks like for the 2020 year. We are asking for a 4.15 percent total expense increase. Some of the key contributors to that percentage increase. We have a $1,018,993 benefit and salary contingency increase for the upcoming year. We are currently collectively bargaining for three of our employment groups. We have an 11.8 percent healthcare premium increase. So that's a large part of this. Something that's not really in our control. We have $538,074 an increase in our continuing services. So basically things that we do today, moving to the next year. Agreements for tuitioning students out of the schools in special needs. We have a bond principal payment for the first time on a bond that we started in last school year. Contracts with vendors for preventative maintenance service agreements. And vocational expenses are increasing. And we have a larger number of students attending vocational services. So it's part of that increase. And we have some lease payment obligations that are in that as well. And then we have an additional $717,301 for recommended additions in our budget which we will cover in the next couple of slides. Also one of the parts of our budget is revenue that we get not from taxpayer dollars. And unfortunately in 2020 we're going to see a decrease in that revenue coming into the school district of about $746,154. Some of the key contributors are the very large key contributor to that is Act 85 was the healthcare recapture rule that resulted in a loss over a two-year fiscal year period of $468,000. And so what that means is we spent down some of our fund balance to cover that income that wasn't coming from the state, from the Ed Fund. So our undesignated fund balance is now at a reduction of $386,000 from prior fiscal year. There was a couple of errors in revenue that was projected for 19. That is not going to happen in 20. So that was $190,000 loss. And the larger remaining piece of the reduction is special education revenue is predicted to come in at like 237,000 less than our current 2019. Let's largely do in fact to the way the funding model is changing in the next fiscal year. There are going to be higher thresholds before they reimburse you at a higher percentage. And yeah, so things are changing every evolving in schools and the financial part of that. So I go on and just pause for a second Howard and say that first of all, there's a lot of information going before viewers. Important to note that we have all of this information on our website along with all of the kind of the school board meetings that have happened in the past, but hopefully people who if they wanted to get a little bit deeper and review it, they can go back there. In addition, we also have our budget book that's available both online or if people want it, they can let us know and we will send them a hard copy as well. I want to move on just to talk a little bit about the recommended additions. Again, Amity alluded to those additions just a slide ago. And so we'll just do a quick recap of some of the things that are different that are being added to this 2020 budget. So first thing, Tripoli, which is early essential educations for our youngest learners. We've had a program at both our Orchard and Chamberlain schools, and this addition would bring it into our Rick Markott school, which is over by the city center. So there's some staff being added to that particular area. And again, a big part of Tripoli or all of our early childhood education is really to ensure that there's a solid foundation for our students. Obviously, a solid foundation allows for things to happen positively after that. Because of that and not paying out to some of our providers, there's going to be a reduction because that revenue will stay with us. So that's that second bullet. We're making some changes in the delivery service at the school level. So some pair educators are being reduced and we're adding some additional special educators. Again, wonderful people. We have a good number of pair educators that support our learners, but nonetheless looking at those that are compensated to help do the necessary work that's needed. 0.5 guidance at the high school. We have obviously a good number of guidance counselor. We have some that have been fractional or not quite full time. This brings some of them up to full time. And the main purpose there is that when your counselor isn't there on, you know, a Thursday afternoon, that's hard for or two days a week. That's hard. And so this will increase some of that. And then lastly, is security. Safety officer is actually what we call this position. And this is unfortunate. I mean, these are some of the things that, you know, we wish we didn't have to include. It's a public related safety issue. But nonetheless, the school district is has that we currently have three, this adds another for four. And these are individuals that are typically in our front entry ways of our buildings. We have five buildings. So we'll be figuring out how we will get, you know, all five covered as well. In addition to what David had just finished reading, we have other asks for the budget. And that is an increase or an additional time position in the operation and finance office where I'm working. We've undergone a lot of state initiatives and are continuing to move in those directions. There's going to be a new chart of accounts and a new fiscal software that is being, you know, rolled into our job. So we're trying to do our daily work and learn a new software and build these new. So there's just a really large need. And we've had a few other new softwares from the state level that have just created a lot of extra work. So we're asking for a little part time position in our office to help with those needs going forward even. We are adding for 0.1 to FTE assistant student mentor coordinator, which is a position that we currently have. It's being funded by an outside source. And in order to maintain that position, we are asking for a small $4,000 increase in the budget to just maintain that position. And that person works coordinating mentors with adults in the school, students with adults in the schools. We have a citizen's budget advisory committee. And one of the desires of the committee was because we're spending down our fund balance due to that loss of revenue from the state, they felt it was important that we put a little money in as a contingency in the event something like this happens that we might have a little bit of a cushion. So we are going to add $100,000 for that just as our contingency plan. We do have $134,941 in the budget for facility stewardship and maintenance projects that are planned. They're not our large projects because we have our master planning and visioning program going on right now, which is looking at the needs of the high school and the middle school and where those buildings might be headed. So we're doing what we have to do to keep our buildings safe and secure and operating for our students. And then the other three other schools also have some projects in them. This also includes the lease purchase of two new school buses. Each year, as part of our stewardship plan, we do have a rolling cycle of replacement on school buses as they get past 10 years, we try to replace them. So these two will replace two older buses. So that total additions of what Mr. Yang covered and myself is the $717,301 for additions. So moving right along, this is again, this is a quick, I'm not going to spend a lot of time on here, but this breaks down on the expenditure side. Obviously, you can see the revenue. On the expenditure side, you can see that the larger buckets that add up to the $4.15 increase. There's some obviously pretty significant increases that look on the percent-wise, but when you look at the total dollar amount, $4.15, again, as Amity said, on the expenditure side. I do want to just make sure that, you know, Amity mentioned the budget advisory. The school board really has been great to, you know, look for participation from the community. We welcome folks to come to the school board meetings, and the budget advisory group has been a really good arm that supported the administration and also the board in bringing perspective from the community from where they see it. And that's always, that's been something really, really strong that actually Elizabeth was a strong advocate on that way back a good number of years ago, 14 years ago, Elizabeth has been on the board. So anyway, this is a quick, just a quick pie chart that gives a little bit of, you know, visual on where the budget is spending. Obviously, a big chunk of that is the salaries and benefits. This is our, again, kind of a quick overview of our budget, how that tax rate gets made up. Lower left-hand corner is about our equalized pupils, the number of students that are actually counted, not seated, but students at the high school get a little bit more than the elementary. Top left is our overall expenditure, which you've heard Amity talk about earlier in the slides. The top is our revenues. And again, you've heard Amity talk about that and that reduction. Our yield, which is set by the state and the common level of appraisal set by the state, all those factors go into that property tax. I might add, though, you can't do the up and downs across around those circles and think you're going to get to the percent increase. And we'll show you that in just a quick second here. This actually is a really good process for folks if they want to know more about how education funding is done. It's still kind of complicated to explain, but the math here is, I think, really helpful. So our expenditures of the 51 million is subtracted by our local revenues, which, again, was what Amity went over and told you that there was less. That then equals our ed spending. That's divided by the number of students, what we call equalized students. It's then, that equals what we call our ed spending per equalized pupil. We then divide that by the property tax yield that used to be referred to in the past, our base education amount. It's now called the property yield, again, set by the state. And that equals what we then call our equalized residential property tax rate. That's then divided by how homes are being sold, which is called the common level of appraisal. And for us, it's 93.28%. And that gets us to the tax rate of $1.6026. There's a lot in there. And again, I would refer people back to, you know, look at this presentation. And there's a lot also in the budget book to help folks really understand that and what goes on there. A little bit on our staffing. Our staffing, obviously, and our enrollments from last current year to next year, and our current staffing levels really are unchanged. We may need to move some staff. These are core teachers that are, you know, in the classroom. So again, just making sure that folks are aware our enrollments going up projected a little bit, which is different than most. And our core staffing are staying the same as well. I'm going to just spend a minute looking at some tax rate history, which again is available on the website and I think helps frame things for our community members.  And we are seeing an increase this year, which is still lower than the 2016 rate. But that's largely driven by the factors that Emma and David have gone over in terms of decreasing revenue, but also some strategic investments in some areas that we believe really will benefit our students. Can I just speak to the anomaly in 2019 too that so folks can understand that yield comes from the state and last year at the very end of the legislative session, they raised that yield. So that significantly dropped the tax rate. When we were proposing our budget and sitting at this, you folks were sitting at this table last year, I think the actual tax rate was almost identical to what it is what we're asking for this year. So just to put that in perspective for folks, it's a challenge for us because when we come in these big large swings, you know, it's a tough sell sometimes. And that's why that happened. The state actually gave a one-time funding into the education fund to help bring it to a healthier place. This year we have been told it's a much healthier fund because they've changed how it's funded. It comes from sales tax revenue and lottery revenue and things. So it's a little bit healthier than when we've started in past years. So I just wanted people to understand why the big dip in that tax rate. That's a great description, Amity. Thank you. And as far as looking at one of the questions we often get from community members is the disconnect between the expenditure increase and the tax rate increase. And as Amity mentioned, there's a number of variables that are outside the school district's control. And David went through that complicated formula. But what we wanted to show here is really a multi-year history. And if the average taxpayer will look at this, we looked at five and 10-year averages. And in terms of proposed spending increases, the five-year average is about 3.2 percent, the 10-year average is about 2.2 percent. And that translates into tax rate changes that range from anywhere from negative, you know, 5.98 percent to increases of 3.3, actually the highest was 6 percent. But that in 2020 of what we're asking for is 3.36 percent. So again, I think the process we've gone through is very fiscally prudent and really focuses on what delivers a quality program for our students. This slide looks very complicated, so it's tough to see. But it just overviews the city and the school budgets and the tax rates associated with each of those budgets. And one of the questions that we found was very common was, well, the city's budget is increasing 12 percent, but their tax rate is only 4.79. They have some footnotes as to why that would be, and they have a lot of offsets to their revenue, by revenue, like we have some, but they have a significant amount more. So it only really results in a very small tax increase from their side. From the school side, again, we have that 4.15 percent increase on the total spending. However, the loss of revenue makes our tax rate up a little more than normal, or not normal, but past history. But it makes up a bigger chunk of that 3.7 combined tax rate increase. And the lower half of the chart that you can see online, it just shows a taxpayer's rate from last year versus this year and what they might see as an increase in their tax bill. And then the second column shows the value of the average condo value for South Burlington, and the third column shows the average home site value in South Burlington. So you would see a $178 increase if you had a condo at that $232,000 and a $259 annual increase in tax for a home value at $337,000. And those averages, I think, are important to remember. I mean, that's just what the averages are. And again, people who really, we want not to be deceptive because those could change to be more favorable or less favorable. It's really important. Not $100,000 is to do that assessment based on that. But that concludes Howard, our presentation pretty quickly.  We have a school board that has been steady with us, and we have worked hard, I think, as a community to really, you know, support our students and also be sensitive to the financial burden, which you often hear our school board, particularly as we talk about that delicate balance. Well, perhaps I could ask a question, is that since we didn't have anyone call in with one, and you still can, 8-6-2-3-9-6-6. But for example, if the budget is increasing by 4.15%, how is that the tax rate is increasing by a smaller percentage? I mean, I think people want to know one's higher than the other, and how does that happen? That's a great question. So we've kind of covered it, but again, the property tax base is, the rate is not based upon our total expense budget. That is a variable in it, but it takes that total expense. Then our net revenue of local non-tax payer revenue is reducing that expense budget to give us what's called our net-ed spending per equalized pupil. And from there, the schools are funded through the state education fund, which again, we were talking of that fund is fairly healthy this year, so that yield plays a factor in how the tax rate is calculated. So because the yield is a little higher this year than it was in historically, it brings our tax rate down lower than our budget increase, even though it is, even though we have a loss of local revenue, it still brings the tax rate down, increase down below the actual rate of our budget increase. That's great. Well, I think we're just about out of time, so I want to thank all of you again for showing up this year, and good luck, Arnell. Thank you. That's great news, and Cole, maybe we can see you again next year for this. We really appreciate it. Thank you, David, again. Once again, a great panel and very, very interesting stuff. Congratulations on another good year. Thank you. Appreciate it. And again, folks, tune in to Channel 17 anytime. You can find us online, and you can also find the South Burlington links to South Burlington's budgets there as well. And don't hesitate to contact these folks if you have any questions. Thank you very much.


We have the girl stalk segment, I'll be standing in for Valentine, she's a little bit under the weather so you can help us also send a messages of get well soon messages in that order is reversed, but our topic of conversation will be about knotting, so we will be here. Today is dealing with difficult people in life. This is what we have on our Facebook as well. So you can visit that to be part of it, pattern set. I have very able people with me, very able youths from the Dubai for Karibu Nisan. Thank you. Is Oguda qualified to be called a youth? Oguda? Am I to young? It's like you're to old. Right. Oguda is not a youth. It can be. It can not have to a young. I already love this conversation. Maybe you can start with you Madam Sto. Hey everybody. I am still the Sto. I'm back. And Val, we miss you. You better get yourself better. Yes, and that's great. But I just want to say that I feel like to get well soon as well. And back to you, the second guest youth. Ok my name is Oguda Bradley. I'm here to help us in this Building thing. By the end of this show, we teachers have a work plan. China has un probably difficult for some people.  But it is very difficult for others to have been left of her and others.  You don't know?   So we are going to be helping these haters. It is only difficult for others. Alright… But at the end of this, you are going to be helping the haters to know where they are, if you are a hater or on this side. So that they know that they are haters, I don't know how they can help themselves. All right, haters are very difficult people. They have certain characteristics, Mr. Oguda. And we meet them in different situations. But I'd like us to start by, what are some of the flags that you see and you just know this person is a difficult person or a hater. Okay, for me, the very minute I leave my house and I'm at the gate and my neighbour is like, kwenu elasmu vengu ya red kilasiku. You know, it's not like I wear red dresses every day. But she's always like, I know this is a difficult person. That is a flag for sure. Somebody who just gets into your space, your personal space like that. What are the characteristics of this? How do you just see the person? You see the room from the look. Some of these looking at you are not even smiling. Looking like they are fault finders. But some people don't like to smile. They are fault finders. They are just looking for mistakes. At the end of this, you start looking for anything good. Like somebody going to an orange tree. But instead of seeing the fruits, he's only seeing the thals. Just the thals. I say, ma'imitini, baya tasi lezi pa. How come it has thals? Yet there are also fruits there and it's not even mentioning this. So are you trying to say, Kaisu, as much as we have difficult people, we humans are also not perfect. We have fruits and we have thals. We have not perfect, we are living in a peaceful world. The author, the founder of sin and badness is taking here with us. So how do you expect? It's like staying in the toilet, there are three, not toilet. The three not there are not expecting flies. Yes, flies must be in the latrin. So that is about the sale and the work. There are mistakes. So if you come here to look for mistakes, you must get them. But if you're that kind of person that capitalizes on the mistakes and the faults, you are going to miss the beautiful things that come with life. I'd like to know... Linda, Storm. Storm is a very aggressive name. Let's say in a neighborhood setting. How do you deal with haters in a neighborhood setting? Are you the kind of person that is going to be aggressive back?  Or are you the kind of person that is going to report them to the third party? How do you handle this situation? Well, you know, I'm the Storm, so I bring Storm everywhere. You bring Storm everywhere? If you're in my business, then there's going to be a problem. But then again, I think I am the Storm that Jesus comes. So sometimes I take things easily. You have a lot of wise words and poetry as well. Out of all these ways that you use to deal with this view, which one is always the most effective? The most effective, it's sad but it's the one where I get to be tough and really loud and shout a lot. This is the one that gets the message? Yes. But it doesn't really work for so long. I'm still at it for a while but Keshopia will still be at the same place. At the same place? Yes. So there's no proven effective way of dealing with Kamati Yarocha? I was a neighbor, a Ugandan lady who was a drunkard. So imagine me planning to come to job, sleeping as early as eight so that I wake up at 4, prepare for work. And then at around one, around midnight one, she's back and back whaling, very drunk and putting the volume up there to over 100. So the whole floor is awake and she's whaling and it's like every day. So she was difficult to us. So we decided to be difficult to her too. The whole floor decided to be difficult to her. I love how she resisted our difficulty. We dealt with her difficulty negatively. And I love how she fought back that because when we were fed up, we told her you are not going to continue this way. So if you do this, you will make sure you leave this place and go to another place. So she didn't listen. By the first day she didn't make noise but the second day she came back to her ill character. She came back around now to 2am and started shouting. So we all woke up, we broke the glass, we all took pills, went to the tap, kachota maji tukimoga na niya, nyomba na niya, like the whole night, na fanya tu yo kazi, ya kutukwa nyomba ya, I love what she told us. My neighbors, I know you want me to go and you do this so that I go. I want to go. I'm here. I want to go. She didn't go until the agent and the landlord themselves refused to take her hand and told her you must go, you're giving us a problem, you must go. So I think it's good to resist. You tell people that... It's good to understand. Yes. There was also another choir director of ours who was elected and people were giving him pressure. People knew he would not perform. So people were giving him pressure to resign. So one day he just stood in front of people and said, I'm not resigning any soon. So you better get used to me. I think that works. That always works. Be strong. Be strong for something. Yes. Tell them, Mati, Luta said, if you don't stand for anything, you don't deserve to live. Yes, you should be living for anything. If there's nothing you are willing to die for, then you are not worth living. Wow. There must be something you are willing to die for. This is that girl's talk segment. We are two men and one lady. But you're going to get it inside. She's the queen now. She's our queen. But remember, we have this topic on Facebook as well. Dealing with difficult people and I see your comments already coming in. So keep them coming. We are going to be sampling them in a few right now. But we have these kind of people who always discourage you. Have you seen these kind of people? Have you met these kind of people? You tell them, we next week want to save Manze by the end of the year, if you haven't, I will say, ah, where were you? Where were you? I want to explain to you after job planning, if you haven't, I will always make. I will say, I will always make. Have you interacted with these kind of people? Okay. I think the best thing about life is to never tell anybody anything. Because the moment you tell somebody, I'm going to be saving up money to buy something. They'll be like, don't save up money. You're only earning 100 bob per day. What are you going to do with 100 bob? Will you save 20 bob? What do you 20 bob do? You're not going to save anything. But if you thought to yourself and said, I'm going to save up 20 bob and I'm not going to tell anybody. No one is discouraging you. So why do you have to tell people about things? For me, I just rather keep quiet and do my stuff. And yeah. The best thing to deal with, the best way to deal with people who like to discourage people is just to stay silent. Not telling them anything. There's no way that you can live in this world without being discouraged. Like even your best friend will discourage you. Don't do it. You're still not ready. Who knows when it's the right time in this world to do anything? So discouragement is like oxygen? Yes. Yes, it's all over the air. Alright. But I've never done anything I've achieved in this life. There's no single thing I've done without before being discouraged. Nothing, including education. I came to university through Arame community. So when I was working through inviting people to come to my fundraising, somebody, a primary teacher, just told me, you can't make it the life of the university education is too tough. You can't make it. And again, you'll need a lot of money. Learning generally is the university of Nairobi, my castle land. Used to pay over 80,000 per semester. That is like a term. Where you going to get that kind of money? So two things, the academics is too tough for you. And finances is too tough for you. So I think you should not do what you can't do. And you know what? I finished... You're doing your masters now? Yes. I finished that first degree without help. That means I manage finances. And I scored the best grades. I got the best grades.  Yes. So apart from that... How good you are the top of your class? We should have a standing position for the minister.    So you got a scholarship to do your masters? Yes. I'm doing my masters of scholarship because they pick the best and give scholarship in anticipation that you will be a lecturer. You qualify to be a lecturer. So they prepare you. But how do they do to the... This is after discouragement? Not even one. Several of them. Some people assured me that they are sure. You are going to fail? I'm going to fail financially. I'm also going to fail academically. Yeah. And here I am. Another one. I've started some businesses. People told me... Okay. There's a time I started a school inside my church at our church compound. And one of the elders told me that we've started... We've tried starting several times and it has failed. So if you fear failure, please just don't start it because it's going to fail. That school has done KCP three times. I started it from preschool. And by then I was also a high school student. So I started it at preschool. Now it is the best academy and people in our area as children as small as two, three years, you can hear them playing in English. You speak English. Keep in the village. I was mobilizing people to help me start this and people now should be helping me. People who have money and people who are... That guy was a teacher, a retired teacher. He was telling me playing on my eyes that people have started and it has not succeeded. Why do you think it's going to succeed? It's not going to succeed, stop it. Or if you are going for it, you're going to start it, alone, we don't want to fail.  After some time, after some time when it was speaking, when everybody was attractive until even people don't belong to that church, were coming to the committee members to bring their kids, kids were coming even from the other side of the river, other villages, now they came in to to brag that this is our school and they want to take control of everything when they were discouraging me. Lastly, there are some visitors that I started and we were... you buy some space You see why we can't call him a youth? He has done a lot of this. We try developing that. And some of it tells you that this if you don't have itabamonia itabamonia very soon, so please don't try. So you have a different way of dealing with them? Yes, you prove them. Like Linda said, they must be there. So you prove them wrong. So Linda says, don't tell them what you apply. Yes, kaisu says tell them and prove. They discourage me and I prove them wrong. And I have done a plethora of times. So you can pick your way of dealing with the people who like to discourage you. You either don't tell them what you are planning or you tell them and prove them wrong. Yes. I think an element of surprise is always good. An element of surprise is always good.  Oh, so she is drained to Luminati and all that stuff. So they will be talking about me now. But when they have no idea how I did it because I never got to tell them. But if the youth... Okay, I like the conflicting views but they both work. Because it has worked for you and it has worked for you. All the viewers choose which one they prefer in the past. I like the one. Okay, so then we have this kind of people who will always tell lies about you. Yes.  I call them fools. Those who believe what somebody tells them and they have no experience so they are not from you. So they just carry this burden of hate in their hearts. Imagine you without any evidence. And somebody tells you to miscare and then you go to serve and you do nothing to them. And this also happens with... I'm sorry to say but it happens a lot in school settings with teachers. One teacher tells another teacher that student is a very bad boy or a very bad girl and the other teacher has no experience but maybe you're just bad because of the energy that this other teacher aliproject kuwako then you return bad energy with bad energy. So that's where the problem is. But there are also people that just generally just hate you if they've not heard anything but they...  Such people exist.   Everybody has. No.  I just think or to have a reason for hating somebody. It must be in the way they look. It can't just hate somebody. It's rooted somewhere. Or the problem is you not there. The problem could be my ancestors. I don't know. But you see, they now hate me for the reasons I don't know. I like, I like. So... I think that's hate. It sets me. Who was trying to mix your bloods?   But there are people you should avoid. Somebody told me in a business... That you hate me. Yes. That you hate me. So we should like...  I don't know that he or she hates you.  So by the time you are finding out when you start realizing no wonder he does not talk to me in this type of way. No wonder he is always rude to me. And you are asking, what did they do to this person? But there is a point in KSW's brain that there are people you should just avoid. How do you know these people that you should just avoid? You can know the person who brings people down. If they interact in a situation because he is the only dead here. You know a guy who was in a relationship with somebody. She brought that lady down to zero. Went to another girl. Brought that girl to zero. Number three. And now he is coming to you as number four. And dealing with you when you are dumb, when you are mean. See that person you should avoid. Again in a business situation somebody advised me that if there is a difficult client refer him to the competitor refer to the competitor. You have a shop and then somebody there are people who come to your shop and ask you if there is a problem. You should avoid. You should ask for about 30 minutes if some customer is waiting about 30 minutes and then he says I will go to the shop and ask you to go. I will go to the shop. So do you with that. Can you go to the shop? I will go to the shop. I will go to the shop. That is why I am spicy. That is the best way to deal with it. If there is a girl competing if there is a girl in a gun situation in a storms you can recommend that guy. Alright. Ladies have this challenge more than men. Challenge? Ya. What to ambao. Don't worry. I think it's just natural for women. If another woman looks good very few women would say that they are poor and it's just good from the heart. But you know a girl can be saying that they are poor but then I feel and I feel I can do better that's all women do. Some women, not all women. Don't say hate. Don't say hate. We don't understand. No, we don't understand. We don't have the numbers. We don't understand. Because we have had a lady who is looking good. I thought she would talk to me when something happened. Yes because I have been in a situation where that's how people behave. For men, we are different. They say, how are you? You can go out and copy. And then we will go to the shop. Cuminawa kiweni wadi ngombe kibisa, habia diisak dallongikita na hibu Belishana Akkuuwa. Misha, kwa hibu? Aikata hibu. Analangaka na hibu? Iti diribu. Ya, habia diisak dallongikita na hibu. Ya, kwenia. Hibu renia kwa hibu mwa kadumikita hibu, kwa hibu hibu hibu hibi kama u stoodi No, it's not a main thing No, I'm not saying that you'll be telling me something off about another woman You'll be telling me something off about a man that is your friend Or when your companion like and you'll be like I think Tom is dating wrong people No, that's what you do


20 quite affordable skincare items that you can pick up that works so well for women over 40 is the topic we're going to get into today. Hey girl friends I'm excited to be able to do this video with you today because I've been getting asked so much what my skincare routine is and if I go through that and I'm going to do that for sure. I'm going to put a timestamp right here where you can skip over all of my intro where I go over what I'm wearing for clothing and that kind of thing because lots of people just come here for the skincare they don't care about what I wear so I'm going to put the timestamp right here where you can do that so we always get started with what I'm wearing and I'm excited about this shirt because simply it just makes me feel a little bit chic and a little bit more dressy than I normally do it has the three buttons down the side and a ruching across the tummy which has a tendency to hide your tummy which I like very much and then it has this one shoulder detail which I like too and I don't have to wear another bra I can just wear my regular bra and get away with it without having to wear a strapless which I absolutely love jersey knit material and it's a t-shirt length so this has been so good and it almost feels like it has a little bit of a fall vibe to it and I'm ready for fall because it's been blazing hot here it's been absolutely crazy and I'm also wearing a really pretty little heartlink necklace and that I am just absolutely in love with if I could get this in real gold and afford it I would do it in heartbeat because this is just the cutest little necklace I absolutely love it and then I do have some gold filigree earrings on today that I love so much they have little tassels on the bottom of them so they give a lot of dimension as they move around I just think they're so pretty and as always everything that I'm wearing on my face for makeup all of my nail polish my jewelry the shirt everything will be listed and linked down below and when we talk about links a number will come up right here on the screen as I'm talking about each product and I will number down below in the description box each product from one to however many we get to 20 which is what I said at the beginning we're doing 20 so from one to 20 today we're going to be doing that and when I hold up let's say number three you don't have to worry about what the name of it is or you know writing it down really fast just remember that you like number three go down into this description box and look for number three next to it will be that product with the link and you can go ahead and shop that way people have been really enjoying that it seems to be very easy for everybody all right that's it for the intro let's get into the juiciness of this video first product that I'm going to talk about is the Sarah V makeup removing cleansing balm I'm excited to share this with you because it really does take off all of your makeup it's kind of a solid when you start out and then the warmth of your fingers will make it turn into an oil and then you just you know buff it all over I use it in conjunction with two towels and I have the ones that I used this morning as I was doing this video so yes they look terrible I have two towels that I use this is a reusable pad instead of using the cotton that we have these come out white for me almost every time even though it looks pretty gnarly right there and gross and this same thing with my towel right here I will make sure that I link both of those for you below so that you have those and you can see what I use these make taking off makeup an absolute dream and you will not have anything left when you're done this is all my nighttime routine after that because it is an oil based I will go in with another cleanser and I use the ordinary squelling cleanser and I love this I think that this is such a good cleanser for taking everything else off and if there's any residuals left of your makeup it's going to take the rest of that off it's very lotion like product it's not greasy at all and it leaves your skin feeling squeaky clean and I also use this in the morning as my cleanse after I wake up so that one's good too so this could get a little bit confusing as to what the order is of these and everything so what I'll do is after I do the whole entire list of everything and link everything down below it I'll put the routines and you know what I use when so it's a little bit easier for you to remember so both both morning and night I'm going to go in with what I consider spot treatments instead of using a product like the ordinary is our gerylene I love this this is considered botox in a bottle and as many of you know I have gotten botox very recently I feel like this helps extend the life of that but I also feel like there are so many women and me included before I did start getting botox that it just really you know helped those muscles to relax and that's what our gerylene does so I will spot treat with this they have them here across my forehead and around my mouth and so I will use our gerylene twice a day and just use those use it as spot treatment this one is from causedabaha and this is the tranhexamic acid with nice cinnamide now what this does is it helps with hyperpigmentation and it also helps with dark spots redness that kind of thing it's going to be very brightening so again this is spot treatment for me I have a lot of melasma right here around my neck I've developed it very recently I don't know why what's going on but it's very pronounced and it drives me crazy so I'll just use a little bit of this in my hand I'm going to spot treat those areas first and I'm going to spot treat the areas where I have scarring or age spots and then redness right here so that is a spot treatment again not all over your face unless you want to you can definitely use it all over your face if that's something that you like I don't want to forget that the ordinary has recently come out with an eyelash growth serum and I really love this because it doesn't sting like some of my other eyelash serums that I've gotten in the past there's nothing in it that makes you feel like you know you might be putting something weird on your eyelashes it's a great product I feel like between that one and the x slash which I can list below for you too and you can try it if you want to it makes my eyelashes I've been using that one for five years and it makes my eyelashes super to belong but this has been a tremendous boost an enhancement to the thickness of my eyelashes as well and I'm really loving this one I have two different products that are the bifida serum that I do talk about and with galactomiasis in it and I have a whole entire video if you want to learn about those they are tremendous products for softening lines and wrinkles and the texture of your skin and the firmness of your skin and especially the brightness and their super antioxidants I use these morning and night now I am using the benton fermentation essence right now and that's the one that I am using up right now I do prefer the crannous cell bifida serum and that's the second one that I'll talk about you're going to get that same beautiful benefit to your skin and the brightening to your skin I've been using crannous cell for probably a good five years as well and I found the benton one when crannous cells sold out during COVID and this one is every bit is good and I didn't notice that my skin just even skipped a beat so if you can't find crannous cell this is the next best thing to it and I absolutely love the benefits of brightening and firmness and all the great stuff that it does for my face. I also want to talk to you about the eye cream that I use because this is a bifida eye cream same thing it just helps with those dark circles helps soften the fine lines it's such a good treatment and I have been one that has always just felt like just put your skincare up underneath your eyes right just do all of that and you're gonna you know get the same effects that you would if you were using a separate eye cream but this eye cream is so concentrated and it just really helps around my eyes so I use this morning and night as well because it is one of those brightening agents softening firming all of the yummy stuff that bifida does is in here in a concentrated form. Now I'm a huge believer in Trentinoian or Retin A and I think that if you can get a prescription you absolutely need to get a prescription from your doctor and make sure that you do use it according to whatever they direct you to use it as. I use my prescription Retin A maybe once a week maybe twice a week because I'm at the strongest and my skin is a little bit sensitive as I've come into menopause but I don't want to lose the benefits of you know using a really good Retin A or Retin All product so I just came across the ordinaries and I don't know if many of you realize this or not but it really is a good thing to use a vitamin C in conjunction with a Retin All product. They boost each other vitamin A vitamin C and vitamin E they all boost each other. They're really good together. They vitamins work in conjunction in our body so why wouldn't they work you know on our skin the same way. So I decided that I was going to pick up the Grinactive Retinoid 5% in squalane from the ordinary but I knew that I wanted to also have another vitamin C product to go along with it so I picked up the other vitamin C that is also in an oil from the ordinary and this is a Scorbal Tetra Supalmitate Solution 20% in vitamin F. Now this is a very stable form of vitamin C but it's a very mild form of vitamin C so it's a really good one and you can go ahead and mix these two together in some drops and that's what I will show you that I'm doing right here but in order to even boost it further I decided to go ahead and pick up the Gaea Body Care Ageless Facial Treatment 5% Bakucha Oil and I just mixed the three of these together. Now if you haven't heard of Bakucha Oil this is supposed to be a really good alternative for Retin A because it gives you the same benefits of it maybe not as quickly but it does definitely give you the same benefits without any sort of the side effects that Retin A can have. So I put the three of these together and I've been doing this for a couple years now and I absolutely love how smooth and yummy and just absolutely baby but soft. This leaves my skin in the morning. My skin feels so good even when I'm using it at night. I can tell that my skin is just getting so supple and so soft. I love using oils on my skin. Don't be afraid to use these kinds of oils on your skin if you're somebody that is very oily. This will help balance the oil in your skin and really truly this is a great alternative to a prescription Retin A product. I love these. Now lastly at night I usually go in with my Sukuyakasuhara. This is the Urea Cream. This is an extremely thick product. This is hyper moisture. This is super moisture. I mean I slather this around my eyes at night and I wake up and I can still feel the tackiness on my eyes but they also have the ability to have a small property of exfoliating and but it's super duper gentle and because you can do that around your eyes the skin around your eyes can be renewing itself all the time and turning over all the time too. There are very few products we can put around our eyes and you know have them not irritate our eyes but still get the sloughing of the skin there because that skin needs to slough just as much as anywhere else in order for us to have the pretty baby new skin come through. But what I found at the drug store this one is from Usern and I have been absolutely enjoying the heck out of this. This has been so nice. It is so hydrating so it locks in all of my skincare for the night. You know you hear people talk about slugging or putting Vaseline on their skin. I personally don't feel like putting petroleum on your skin is the very best thing that you could do. However lots of people have done it for years and they have the most beautiful skin ever so you do you no matter what. But this is a fabulous alternative to my all-time favorite.  I do want to say that once or twice a week I will go in with the Ordinaries AHA BHA peeling solution. Be very careful with this. Five to ten minutes and you're going to have plenty of time to get this skin off. It's a chemical peel and it's very strong. So if you have very sensitive skin you might want to do a patch test first. But once again this is such a good product for peeling off the old dead skin and helping your complexion look bright and youthful because you get to see that baby skin that's underneath. So once or twice a week more like once a week because my skin's fairly sensitive to that.  This is my absolute favorite daily Glycolic Acid because I can use it every day and it does help to very gently slough off the dead skin and this makes my skin super soft right after I use it. I always notice that. So this is what I use daily and even though my skin is a little bit sensitive through menopause, this works so well for me and yeah I really love this one. The next thing that I do is I go in with another very watery toner. This is from the Good Molecule's Nicinamide Brightening Toner. This has such good ingredients in it and I've been using this one for years. Actually probably not very much in here is very new to you if you've been with me for very long. Formulated with Nicinamide Vitamin C, Arbutin and Licorice Root Extract to brighten and improve the appearance of enlarged pores. Now what I found and you've heard me say this before again is within two weeks I was looking at my face going are my pores diminishing and truly it was this is the only thing that was changed is this product and so I'm a huge proponent of the Good Molecule's line anyway and the ordinary line because I think that they're such affordable skincare that you can build a routine that is so solid and not at a very hefty price. I think that's so important if we're on a fixed income. I think it's important anyway to you know watch what your your pennies and everything like that but if you're somebody that really wants super good skincare not skincare yeah not skincare super good skincare on a budget you're going to love the Good Molecule's line and you're going to love the ordinary line. Right after that I'm going to go in with those spot treatments that we talked about the Tranexamic Acid and the Argyroline then I'm going to go in with the eye cream and then I'm going to go in with the Uriah Lotion from Sukoyakasuhara. This one is actually my moisturizer this is what I've been using for years as my moisturizer. I put it in my hand and I just put it pat pat it all over my face and it just has worked so well for me love love love this. I think it's just fantastic. Then I'm going to go in with their eye cream and if you have not tried this I have touted this till I'm absolutely blue in the face. I know you guys are so sick of hearing about these three products from them but these have truly saved my dry skin from everything. When you see me on camera and you see that I have a glow I attribute that to these three products because they are so moisturizing and they've helped me through so many times when my skin is sloughing from you know retin A or I've gotten maybe a burn from something or a dog has scratched me or whatever these products are so soothing so moisturizing they've gotten me through so much and the eye cream does the same thing and if you're a mature woman that is always worried about you know her lines and stuff plump those babies up with some really good moisturizer and I really because these are so light and even if you're oily you're gonna I really think love them even though they're hyper moisturizer. Lastly of course I'm definitely not going to leave out sunscreen that's my last thing that I do dermatology is a universal skin tint this is an spf of 46 and this is this has been my ride or die forever for as long as I can remember but this is really moisturizing so it's not going to dry you out but I did find this one this is the botanical 30 it's still high enough in an spf to do you exactly what you need to so if this is a water resistant one for 30 minutes and I wanted to put it in here this is a 100% mineral sunscreen says anti-aging and antioxidant rich and long lasting protection water resistant up to 80 minutes I wanted to put it in here because I've been using it this summer it's a mattifying more mattifying product so if you're somebody that does have that oily skin and you find that any mineral sunscreens that you use they just feel terrible on your skin because they get to feeling like a grease ball believe me I understand that even though I am a dry skin girl a mineral sunscreen can get really greasy but this one doesn't and I really am impressed by how this does on my skin on the days that it has been so humid I'm absolutely loving this one but that was my skincare routine and like I said it just doesn't change that much so I like to bring this to you about every six months so I do appreciate you watching today and if you did enjoy the video please give it a thumbs up please never feel like you have to buy anything that I show here because you probably have a skincare routine already make sure you tell me down in the comment section below what skincare you're using and how effective you feel like it is for you I would love to hear that from you right now we're going to put a ball on the screen a video that will talk about more skincare let's just do that so you guys can go over and see follow through and see if maybe anything has changed in my skincare and if it hasn't you know that they're right or not so let's put that up on the screen I hope that you're all doing really well let's meet back here very soon I love you friends please take care of yourselves see you soon bye bye


What I wanted to show for the MakeCode minute today is a new extension inside MakeCode Arcade that's called the text sprite extension. If you've ever made MakeCode Arcade games, you have probably A, had a lot of fun, B, learned a bunch of things, and C, wondered if there was an easier way to deal with text. Now there's a general use extension called the text sprite extension. Here you can see I have a little banner here that says text sprite, but check it out. I can actually control this thing with my cursor, and I can have it react to things like the position on screen. So when I get to the top of the screen, boom, I have it changing to the word top, and I've added a little icon to the side of it. And then text sprite down at the bottom, you can see it exists in Z space. So I've put it over the background, but under my character here. And the way this works is first of all, you'll head to advanced, go to extensions and add the text sprite extension. And then you can see here I've got some new blocks such as set text sprite to a text sprite type of object with some default text. That's a variable I made. And you can specify the color and if it's on top of a background color, you can do things like set the size of the font, the position on screen, border colors. And then you can treat it like regular sprite. So I can move it with buttons, you can have a collide with things, you can have it stay in screen. Right here in my forever loop, what I'm doing is I'm checking the sprite position of the text sprite. And then I have the text changing when I reach different places on the screen. So that's just a quick example of what you could do. Oh, yeah, one more thing here I've got, if I press the A button, it changes to we have text. And if I hit the B button, text sprite. So really cool, really exciting. This will make a lot of different things inside of your games way easier to do than ever before. So way to go make code team very excited about that. And so that is how you can create text sprites inside of your games and make code arcade. And that is your make code minute.


I tell her then you know stop eating this stop eating everything. God. God. Hi guys today we are going to talk to this pretty woman. What's your name? Yamara. Yamara. So Yamara actually happens to be one of my patrons though but we are going to talk to her about her card today and that was solely a coincidence by the way within the range of this. No, we are going to talk to Yamara's card so I think I'm going to let her talk about it. We'll see what she wants to talk about first and then we'll talk about the not so good stuff too. So tell me what are you doing to all these things Yamara? Well I just want to eat a little healthier and you know give the staff fresh vegetables fresh and that's what I want to do. All right so we have vegetables here. We have cauliflower peppers some black cabbage so that's good. What do you think about the grapes? Are they okay? I think they're okay.  Oh boy. I'll probably eat a much. I don't know. Okay so that's the problem right there's a bit fruits or fruits are okay the problem is when we eat a whole bunch when we don't do the portion size then we have a problem. So the grapes are actually somewhat high with the glycemic index so if you are having grapes I would say keep it to half a cup of grapes. So half a cup of grapes and the reason is they're sweet they will definitely spark your blood sugar if you have more than half a cup because most of the time you're not only eating grapes you may be eating something something else as well and then we have cherries. Again cherries are very healthy too but you know this is another high glycemic index fruit again you need to kind of keep it to maybe half a cup. If you're going to have a fruit I would say either choose the grape or your cherries but when you have a fruit plate then the carbohydrates can really add up. So both grapes and the cherries are high glycemic index. High glycemic index means that it's going to spike your blood sugar high fast. So what is a low glycemic index fruit for example? Like apples? Yeah apples are good. What else? What will be cantaloupe maybe? Cantaloupe? Cantalopes are actually somewhat high in glycemic index but the glycemic load is not that high. So glycemic load is how much carbs do you have let's say in one cup of that fruit. So it is less carb in one cup of fruit with the cantaloupe but it's definitely more carbs with the one cup of grapes. So you also have to consider how much carbs you are getting not only glycemic index right. So it's like you can borrow money you can you can you are looking at the interest when you're buying a house but you also have to pay attention how much money you're borrowing right.  So the berries, berries are probably the best to consider. Do you have any berries here? No.  We're gonna get some apples and I think we have some juices here. So juices are never a good idea because they basically stripe them out of their fiber and when there's no fiber your blood sugar will spike way faster. So whenever whenever you're doing fruit make sure again orange juice here even if they say which pulp or whatever it really doesn't matter it's gonna spike your blood sugar tremendously high. The only time you would use a juice if your blood sugar is really really low let's say your blood sugar is down to 50 then you want to get juice because juice really spikes your sugar fast and you don't want to wait for your blood sugar to come up and your blood sugar is low but other than the low blood sugar situation we never recommend the juice. So we got water here and then we have some cake which is a no no no pastry no bakery these are known as so let me ask you this why pastry is not good for you forget about the carbs what else is bad? Probably the starch. Starch carbs yeah what else? The worst thing is the fat but fat actually is not a bad thing normally right but what is bad is the trance fats so these things have trance fats in them and saturated fats and trance fats are actually worse than the saturated fats so definitely bakery products especially that comes in a package like this there's definitely no no they have all sorts of preservatives xenobiotics that affect your health so but overall I think half half she had some good stuff she had some not so healthy stuff but I think the berries are here now. She got berries because we requested it so we got the berries I think the mom is trying to get more healthy stuff but the daughter obviously not trying so hard so but thank you very much for your time get appreciated thank you. You're welcome I'll see you all right guys thank you for watching we'll see you in the next one and before you go please click on this video next


The drawer algorithm, DA, is a novel meta-heuristic optimization algorithm designed to solve optimization problems. It works by simulating the selection of items from multiple drawers to form an optimal solution. The DA has been shown to be highly efficient in solving optimization problems, outperforming other optimization algorithms in both unimodal and multimodal cases. This article was authored by Eva Trojawska, Muhammad Dagani, and Victor Liva.


Coach Romano Notre Dame College down here at the National Convention.  Sure First things first Nobody recruits better in division two than Notre Dame College. Appreciate that. Thank you Anthony left. Yeah, right and I thought a lot of people thought right it was gonna fall off a cliff And I know you've probably heard that of course right but you guys are runner-up this past year We wanted the year and you wanted the year after he left actually the year That's correct. The year he left a year before that in other words the beginning of the year We wanted that year so you won two out of the last five. We've won two of the last five I lose track here since 14 since and 16 we won in 14 We were second and 15 In 16 we were second 17 we won last year we won so you guys have been First or second. Yeah, since all last five years since 13 correct That's and then in 2013 the first year we were in we were third. That's incredible. We were never not won a trophy We've won Between first and second. We've had nine national championships for but four trophies Because time for a trophy and we also. Oh, yeah, we know we all be able to go to trophy every year every year That's incredible first. How do you sustain it?  Yeah, so many of the oldest oldest coach here at the convention, right? probably Probably how do you do it? That's a good question. I get up every day and I just try to do the same things I've been doing and try to keep enough energy the energy is the key level because you know as you get older You know as much energy, but I still have a passion for the sport and I still can run the practices to where I want and Show the technique to where I want so that's that's my big thing That's my big thing. Why didn't you fall off a cliff after Anthony after why have you by well in my system? I at the other day It's a really good question the other day I wrote down on a legal pad the number of Assistance I've had in the 12 years. We've had the program and I've had 18 18 different people have been my assistants and yet we still win or come second every year in whatever division We're in because in the NEI we won four times, too We also won the club national tournament It's recruiting and it's a lot of things. It's coaching. It's recruiting. It's just the whole program and how we present it and Very very fortunate. Yeah, you look at you were raised into the first CEO coach and yeah And I think NCA while I mean there were other NCA coaches, but the first high school CEO coach Yeah, Mike Mokovic right Mike Mokovic. That's right. He's your coach. You can you rustle in the greatest high school program? You know obviously player and say that's right You know which we talked about before but to put it on camera, you know when I was in high school We never lost to do me. I never lost to do me We never we never lost and big Mike had the you know a lot of things that I do, you know He was innovative at that time in the 60s.    He's rustled tears in the finals tears Yeah, it's two for two. We second twice. He's got two more years. You got him back. Yeah, you got a lot of guys back We have a we have a guy at every weight. I think and score. It's a national tournament. Can you win? You know, I think we'll be in the mix. I think we'll be in the mix St. Cloud's very good. I think we're in the hunt We have a rogue a team coming back We have seven men on my team who at some point in their career have been all Americans in D2 Seven men including and including that the top one be being Cameron who second twice We have two thirds coming back three thirds coming back who took third we have a good Ivan McClay graduate. He was national champ two years ago and third last year and we have a kid back in him I'm named Campos who's pretty tough kid We have we've we've pulled in My count for maybe five major recruit we pulled in Rodriguez from Ohio State who want to match at the Jose Rodriguez, so he's gonna make it to him. Okay, it's 41 pounder. So here's my question the real question for you and You coach at the Division one level at Penn State and wrestling is dying at the Division one level They're not adding that's for sure you guys are adding and I would like to say an alarming rate for you in Ohio, right? Yeah, Urbano, right? So so looking at teams this year, you know Notre Dame College is a newer program in the last decade Lake Erie College newer program That's tiffin. Yes, so you look at even just Ohio alone and you go nationwide Yes, D2's where it's where it's that enrollment driven is where it's at. You know D3, right? Yeah, why is that why is the future of wrestling maybe potentially in college wrestling D2 and D3? Well, because most of those institutions are smaller schools that are student driven. They want students They need students where in division one schools a huge, you know entities that are in the big 10 They don't need students. They got 40,000 or more students They don't need 30 more people on the campus But at a school like ours where there's only maybe 1200 people you had 30 or 40 students That's huge that that means a lot of money And so that's why that's happening and like you say we've added I think four teams Urbano Lander Davenport a school Wesleyan There's another one in there Kentucky Wesleyan. That's four and there was another one that I'm missing right now There's a ton. Yeah, it's it's amazing to see it's just growing even an AI Yes, you guys transitioned from an AI correct D2 Yes, so that was a kind of a transition when you look at but there's some teams that just stay on AI Yeah, that's right. Cumberland's I want to say a state and I have a good number, too There's probably you know 45 or 50 of those teams, too And so we're probably in the mid 60s or upper 60s before a year or so goes by and you know before it's over We'll probably have as many teams as division one, you know, because that's where they're adding for those reasons And it's a good thing. We just added more qualifiers now we're going to Going to six regions and three at each way class and before it was four regions four in each way class So now we got an 18-man bracket a 16-man bracket Mars lives, but yeah more is better So this is the first year and when we have our breakout meeting here at the convention will be told, you know Who's in our region? Where the site's going to be and etc. etc. So we're moving forward with more qualifiers, which is good. That's very good You know and so and it's a tough division You know not to be underestimated. There's some good kids in division, too. So I'm really good kids in division, too We added four Division one kids this year in our recruiting Zach Kelly came from Bucknell. He was a start of two years Like I mentioned Rodriguez from Ohio State He was in a national tournament one about a way Wade Hodges out of Maryland is on our team now And we picked up a St. Ed's kid who went to Missouri Jared Campbell who's going to be probably a 97 pounder. I'm excited. Yeah. Yeah, Jared Campbell's a monster He came at the beginning of last semester and he's eligible. We just didn't wrestle him because Missouri Was trying to get him big and so he came in real heavy Yeah, and he weighs probably about 270. Oh, wow And he was 220 pounder and then we he actually wrestled in Akron at the 213 weight He actually wrestled Colin Moore, Colin Moore. Okay. He took Colin Moore down once. Yeah I'm gonna be a couple duels this year. Yeah, we're gonna be at the Cleveland State We're gonna be at the matter of fact They'll how intercollegiate which is at Case Western, Ohio State's gonna be there with their whole team From what I understand and we wrestle Lake Erie College in a tournament there, Cleveland State I'll be at that. Do it. Yeah, Lake Erie College. That's always a barn burn. They got a new coach Yeah, he seems like a good man and you know, we added just found out this morning that the University of North Carolina Pembroke has joined our conference in the sport of wrestling as an affiliate So now our conference is getting a little bigger We only have only had three teams in the Mountain East conference that had wrestling teams So now we have four and then Urbana is adding wrestling. That's five. So we have five teams So we're getting close to having a conference before we know I've never been in a conference in in either NAI or D2 never been in the conference. It's always an independent schedule That's why I do so many open meets and then the second semester We do the national duels and then we do have some meets with Ashland Lake Erie and but those are all independent meets There are no conference meets with so we don't the only thing we have to shoot for is the regional championships in the national tournament Yeah, we have more kids coming in for recruiting here. Yeah, good. I'll be watching. Yeah, you got anything else for me No, it's really good I really appreciate all the hard work you've done and you stayed with it and you know the media and the way It's exploded with the sport of wrestling is fantastic. You know way way like just to throw it inside her This is really in my up my funny I got a copy the other day, which I had read in 1966 when I was a senior in high school And it was the front page of the amateur wrestling news in black and white It was the only media outlet in the sport of wrestling in a country the amateur wrestling that was it And you never found out anything until months later after like the world championships You find out a month later who won because no one knew you know unless you were there And so on the front cover was was Gables picture along with three other guys And they had listed the people with the highest winning percentage in the country and my name happened to be in there But Gables at the top and then I saved it and I thought look how far we've come from 1966 when black and white front page of the amateur wrestling news and that was the only thing that you read and it was just like small These are high school guys. They would say that's it That's it I went through every single name of the honorable mention everything and you know see if I recognize any of the names see if they Did anything after high school and some did and some didn't but you know the media is just like everything else exploded Which is help wrestling help wrestling a lot, which I like


The Department of Education, Innovation and Gender Relations during a recent press conference indicated that many factors had to be considered in the closure and subsequent reopening of school. One such factor, according to Minister for Education Honourable Dr. Gil Rigabet, was the overall well-being of students. The minister noted that school remains a safe space for a number of students. One of the issues we struggled with when we were previously forced to close schools and among the issues we've had to consider with respect to reopening of school include one, the nutritional support that many students benefit from while in school, which means that when they are out of school, we cannot guarantee that they are getting the requisite age-appropriate nutritional support. Further, though it is an unsavory topic, for many of our children, school is the only safe space that they know. And our school counsellors, who fall under the leadership of Miss Eugene, along with other stakeholders, have been very keen to ensure that we can bring those students back into schools, which is really, for many of them, a very safe space. Minister Honourable Dr. Rigabet explained that with the acknowledgement that the school feeding programme was inadequately meeting the needs of students, a new school feeding policy has been adopted. Previously, we recognised that the school feeding programme was implemented only at the primary school level. And the question was asked very often, when that child then moves on to secondary school, is there an automatic change in the economic circumstance of his or her family? So over the last two or three years, we have started with a pilot feeding programme in secondary schools and we've been able over time to include more participating schools onto that school feeding programme. I'm elated to say that we are now informed by a scientific, technical school feeding policy, which means that thanks to the partnership of Ministry of Health again, and people like Miss Hunt, for example, we've been able to speak to the nutritional content of that which we share with students in school, we've addressed the issue of sugars as well, artificial sweeteners, and what that means for our students. The Department of Education is also considering the expansion of the school feeding programme so as to include students who due to their parents' change in economic situation due to the COVID-19 pandemic may now require that support. We are grateful for the new school feeding policy, too, that we are mindful of the extended or expanded need, especially given the economic challenges that families now face, many of who would have been displaced by COVID-19 through the loss of their jobs. And so we have to double our efforts to meet children who perhaps previously had no need to be on a school feeding programme, but may very well have to be entertained and catered for, moving forward precisely because of the new economic situation that their parents have found themselves in. Minister for Education, Honourable Dr Gil Rigabet.