Personal Finance PowerPoint Presentation, Loan Estimate. Get ready to get financially fit by practicing personal finance. Most of this information can be found at Investopedia Loan Estimate, which you can find online. Look up references, resources, continue your research from there. This is by Amy Fontenier, updated February 28, 2022 Loan Estimate. Do you know what purpose a loan estimate serves when you apply for a mortgage? We're thinking about the home purchase process. Usually we can't put all the cash down upfront, need some kind of financing. Obviously the loan comes into play there. Loan estimates come into play in that process. So checking the latest national average mortgage rates can only take you so far when you plan to buy or refinance a home. So you can take a look at the rates. You can do some comparative rates and take a look at what is happening on the market. But of course, when you get down to the actual specifics, you need to take into consideration your particular circumstances. To know what interest rate you might pay in real life, you have to get in touch with a mortgage lender and give them some specifics. So clearly the market conditions will give you some idea. They'll have an impact. But your personal information, of course, will have an impact on the loan as well. When you do, you'll get a loan estimate, an important document showing the key details of the mortgage for which you have applied. You'll want to review your loan estimate carefully before moving forward with the underwriting process to see if you understand the loan and can comfortably afford it. So remember when you're looking into the loan, you're not trying to look at the loan officer and say, give me an idea of my budget here. The loan officer is going to try to determine how much loan you can afford. But just this key point here, you're trying to get as much financing available to you as you can, and then you want to only take the amount of financing that you can afford. You're not dependent on the loan officer to determine how much you can afford. They're trying to do that on their side for the banking side of things, but they're not really doing it for your side of things. Other conditions, market conditions can have an impact on what they think they, you know, what the loan officers are going to do and so on and so forth. Because if they can sell the stuff on the secondary market, for example, they might be willing, as we have seen in the past, to give out loans that they know possibly people cannot afford as long as they can get the loans off of their books and sell it. So what you want is the ability to get the financing and then do your own estimate in terms of what you can afford. What is a loan estimate? A loan estimate is a three-page form that presents home loan information in an easy-to-read format complete with explanations. This standardization not only makes the information easy to digest, it also makes it easy to compare offers among lenders to see which one is offering you the best deal. So you get into the specifics on the loans here. You'll get a loan estimate within three business days of applying for a mortgage unless you don't meet the lender's basic requirements and your application is rejected. So you're going to get the information on it unless, of course, they're saying, hey, we don't offer a loan to you because you've got some bad qualifications or something like that, which is kind of depressing. So if that happens, the lender must give you a written notice within 30 days stating why your application was rejected. And the only fee you may have to pay to get a loan estimate is a credit report fee. So when you receive a loan estimate, it's valid for 10 business days. If you want to accept a loan offer, try to do it within that timeframe. The lender may change the terms and issue a new loan estimate if you take more time to decide. So clearly, you know, in normal kind of negotiation terms, if there's kind of like an offer, there might be a timeframe on an offer and then, you know, you got the counter. You can accept the offer or having a counter offer and so on and so forth. Obviously, if too much time passes, they're going to say, I need, we need to take another account of the current situation at this point in time and do another estimate. So you won't necessarily get a different offer or a worse offer, but things can change when the market conditions and your credit. So clearly, as time passes, they're going to want to do it again. So in fact, mortgage rates can change multiple times within a single day. So the market conditions, even aside from your personal conditions, are going to be changing often. These are things that are not static. Of course, it might take you longer than 10 days to identify a property you want to buy and make an offer and you should take your time with such an important decision. You're not going to basically rush within 10 days to try to buy the house, which could take longer than that to do. So these are two separate components. You can and should get a loan estimate before you find the property you want to buy, especially in a seller's market, wherein buyers often need to act quickly to make a purchase offer. So you'd like to have the money ready. You got the finger on the trigger as they say, not like a gun, like you're not actually shooting someone, but the trigger of the money.  So you want to make sure that if things are tight, obviously the person that's selling wants to find someone who's ready to go. It has the finger on the money trigger so they get the money shot at them faster. You want to have mortgage pre-approval and maybe even pre-underwriting to be confident you could get financing. However, you do need a property address and purchase price to get a loan estimate. What's the solution if you haven't pinned one down yet? So you might be saying, okay, I would like to get this done. But I don't know exactly the property that I'm kind of targeting at this point in time. And if I need a property address, what am I going to do? Provided property address was a similar home and the purchase price for which you want approval. So if you're looking around a certain area and the homes are around whatever, 500,000 or something like that, then you might choose a similar home that's got around that price. And you would expect then if you change the address, hopefully the conditions will be much the same with regards to the loan and the financing. A loan estimate is not an official pre-approval, but it gets you moving in the right direction. The lender can issue a revised loan estimate after you have chosen a property. Reading a loan estimate, page one, the fundamentals, which items appear on a loan estimate, will walk you through it page by page and help you understand each one. So you can basically break down and take a look at what is on the loan estimate. So here's the loan estimate information, the issue date, the applicant's property, the sale price, the loan term, 30 year purpose for the purchase, product fixed rate loan type conventional here as opposed to FHA or VA loan idea and the rate lock. If we're going to lock it or not, and we're saying lock right now, which is probably the good idea in this current environment most of the time that we're recording here. Page one begins with the basic information, the lender's name and address, applicant's name and address, property address and sale price, loan term, loan and purpose, loan ID number, loan estimate date, rate lock information, loan terms. Next is a box with the loan's terms. So we've got the loan amount, the interest rate, the monthly principal and interest payment penalty, and then the balloon payment. If there is any that would be like a more unusual type of loan that has kind of like a balloon payment. So if you're doing the standard, then no on the balloon payment loan amount and whether it can increase after closing interest rate and whether it can increase after closing. So you is the rate locked for, for example, monthly principal and interest payment and whether it can increase after closing prepayment penalty, if any, and if so, how much and when it applies balloon payment, if any. These days, most loans don't have prepayment penalties or balloon payments. So those are kind of, you know, things that are still there from a from a previous time. They could, you know, you could have situations where they could apply but most likely standard loans possibly not. Also, your loan amount is unlikely to increase after closing. These three disclosures relate to features that were more common during the housing bubble of the early to mid 2000s. So that's when a lot of the kind of the craziness happened with the and you can blame you can blame multiple people in terms of the decline that happened after that recession and so on. But it's a good example to just note that when you're getting the financing on the loan, then it's not necessarily the same thing you want to do for your budgeting because part of what the financial institutions were doing was coming up with kind of these more unusual loans were more, you know, fixed flexible rate or adjustable rate loans going on less money down and so on.  It was because they could sell those on the secondary market to to like quasi government entities, right? So so that means that the bank, there could be market conditions where the bank. You can't depend on the bank to determine whether or not you can afford the loan. You would think that they would be in their self interest or it would be in their self interest, not to take on loans that they don't think the lender can afford, because if they take on too much risk, then they're going to lose out because some of the loans are not going to go through and so on and so forth. But if they can offload some of those loans or whenever you have government intervention really messes up the picture and messes up the risk allocation. So again, your goal with the financing is to basically try to get the loan that you can get and your personal budgeting, you still want to do to see if you could afford the loan. Because when they gave these loans out to people that couldn't really afford the loans, that wasn't beneficial. That wasn't helpful. They weren't doing a good thing. That was bad, right? Because so you don't want so you can't depend on the bank to make that decision. In any case, it's also unlikely that your interest rate or monthly principal and interest payments would increase after closing. If you are taking out an adjustable rate mortgage, they may, most people get fixed rate mortgages. So these days, most of the rates are going to be fixed rates. And at this point when the rates are going to go up, the fixed rate is looking more and more like what you typically would want. So we got the projected payments and closing costs at closing. So we got the payment calculations. So years one through seven years eight through 30 principal interest mortgage insurance estimated escrow estimated total monthly payments here. So that could be a key number estimated taxes insurance and assessments. So we have our amounts here this estimate includes property taxes homeowners insurance. They got those two checked off and others in escrow yes closing costs of closing estimated closing costs here and estimated cash to close. So includes $5,672 in loan costs plus $2,382 in other costs and so on. The second page on page the second box on page one goes into more detail about your projected monthly payment. In addition to your monthly principal and interest payment, it shows two items that are likely to apply if you're if you're putting down less than 20% your estimated monthly mortgage insurance payment and your estimated monthly escrow payment for homeowners insurance and property taxes. Finally, the third box on page one shows your estimated closing costs and estimated cash to close. Page two will break down these costs in detail. So this is page two itemized mortgage costs. The loan estimates second page itemizes the loans closing costs and shows how much cash you'll need to finalize the loan. So we got the closing costs. We got the origination charges. You got the point to 5% of loan amount the points application fee underwriting fees. So origination charges, the typical payment origination fee is around 1%. It might be higher if you choose to pay points or lower lower your interest rate. So you could have an option to basically pay or choose points. I won't get into that at this point. So the loan underwriting and application fees are included here too. These fees compensate the lender for its efforts to qualify for you for a loan and get you the money so you can buy the home. They also vary by lender and can be a good place to save money. Now we have the B services you cannot shop for. We've got the appraisal fee, the credit report fee, the flood determination fee, the flood monitoring fee, the tax monitoring fee, tax status research fees for example, closing services for which you cannot shop. Many other vendors are involved in making your mortgage happen. Some vendors can choose while for others your lender gets to choose. So in other words, some of these services that we're looking up here, the question is who's going to choose? Who gets to do these services? Is it you or is it going to be the lender? You can see some of these items, the lender is going to want to have good assurance on such as an appraisal for example, and so on the credit report and so on these types of things. You can see why the lender wants to have some bit of control and hire someone that they trust to do those things as opposed to possibly letting the purchaser do them who might have an incentive to do something funny. So those fees, that would be the rationale in my opinion as to why they might be more locked on the vendor side of things. So your lender will order an appraisal to make sure the home is worth what you've offered to pay for it. The credit report tells the lender whether you have a history of repaying the money you borrow. So obviously the credit report, the flood determination and monitoring fees go toward finding out if your property is in an area that's a high risk for flooding or of flooding. If it is, you'll have to buy flood insurance of course because the lender is going to be concerned on the insurance side of things because they don't just like with the fire type of thing, they don't want the home to go down to a flood and then you can't pay back the loan and they can't foreclose because the home is underwater or destroyed. So which is separate from the homeowner's insurance. Homeowner's insurance doesn't cover flooding. So the tax monitoring fee and tax status research fee will go toward making sure you pay your property taxes in full on time every year. Number part C, we got the services you can shop for this. So these are the ones you get to shop for. That'll be fun. So we've got the pest inspection fee, the survey fee, title insurance binder, title lenders, title policy, title settlement, agent, fee, title, title search. So closing services for which you can shop. So we get to go shopping for the, I don't like shopping, but in any case, you'll pay a pest inspection fee to a professional who comes out and examines the home you want to buy for evidence of wood destroying insects such as termites and carpenter ants. Those little pesky bugs. Any significant damage will need to be reported before closing. The survey fee varies the property's boundaries. The survey fee verifies the property's boundaries. The four title fees go towards making sure you can take ownership of the property free and clear of claims by any third party such as previous owners, relatives, relative or a tax authority. So you want to make sure you got a clear title to it. You'll also have to buy a title insurance policy that protects the lender against claims that might arise later that weren't uncovered during the title search. Meaning there's a title search to make sure that no one else owns the property or has a claim to the property. I have a claim to this property and then even after that they could have a claim to it. So you want to make sure they still want to be covered in the event because some of the stuff can be somewhat complicated and so on. So the title company is also often the company that handles your loan closing. So there's a fee for that too. This fee might be listed as an escrow agent or settlement agent. It doesn't matter whether the cost of these closing services differs from one lender to the next. When you're deciding on a lender, they're just estimates and you'll be able to shop around for these providers and decide how much to pay. So some of these obviously they're putting in the numbers here, estimates. Other costs. Taxes and other government fees, recording fees and other taxes, transfer fees. F, prepays, homeowners insurance premiums, six months, mortgage insurance premiums, prepaid interest, property taxes. So taxes and other government fees, any fees or local government charges when a property is transferred and a new deed of ownership is recorded, go here. Prepaid, lenders require homeowners to have their homeowners insurance in place before the loan can close. So there's a charge for that here that will usually cover six or 12 months worth of insurance. You might have a prepay mortgage insurance premiums and property taxes and you'll probably have a charge for prepaid interest. It covers the days you'll have the loan between your closing and the first of the following months when you'll make your first principal and interest payment. So obviously we got some of these kind of payments that are going to take place during this process of the escrow process in the midst of the transaction here. And that's why there could be an issue generally. G, initial escrow payments at close, homeowners insurance. We got the mortgage insurance property taxes. This is so much per month and then we got H, the title owner's total policy. So we have the initial escrow payment at closing if the loan requires you to maintain an escrow account showing on page one of your closing disclosure also called an impound account. Then this section will show how much you have to fund that account to cover future homeowners insurance premiums, mortgage insurance premiums and property taxes. Lenders are allowed to keep a two month cushion in this account. So that's probably what they'll charge you here. Other, remember that lenders title insurance policy you have to buy. It doesn't cover you. It's a good idea to buy an owner's policy as well. And that fee will show up in this section. So now we've got I, total other costs, J, we got the total closing costs. We have a D and I added together lenders credits. We got the calculating cash to close total closing costs, closing costs, finance paid from your loan amount, down payment funds from borrower deposit funds for borrower seller credits adjustments and other credits. This is the estimated cash to close. So the total closing costs. This line sums up all of the above charges. It should match the estimate closing costs from the bottom of page one. If you're getting any lender credit, you'll see those subtracted here calculating cash to close. This section totals up your closing costs and down payment and subtracts any earned earnest money deposits you make. Then we got page three, we got the comparison and more loan characteristics additional information about this loan. We've got the lender got the loan officer email phone number and so on and so forth additional information about this loan. The top of page three says who your loan officer is what their license number is and how to contact them. You might also be interested to know how loan officers are compensated. Here's what else you'll learn on page three compensation. This box provides for numbers you can use to compare one loan estimate with another. They've got the comparisons we got in five years annual percentage rate the APR the total percentages to TIP use this use these measures to compare this loan with other loans. So again we got the in five years 56 582 total you will have paid in principal interest mortgage insurance and loan costs. Now it's nice to get to an actual amortization table. They're trying to give you kind of a quick number that kind of puts these stuff together so you can see it in a quick view. But it'd be nice to break these out will break some of them out like a loan amortization table and stuff in our practice problems.  So this is how much of the principal you will have paid off as opposed to the interest. And then we got the annual percentage rate the APR which is going to be your costs over the loan term expressed as a rate. This is not your interest rate. So it's a little bit different than the interest rate. They're trying to roll everything into basically one rate. And the idea there is that you might be able to compare the APR to other loans even though they're doing kind of different stuff with possibly closing costs and other kind of things. You know if you were to kind of alter different loans then you might try to you can alter different things. Right. You can alter how much how much the closing costs are versus the interest rate and the loan terms and so on. So it would be nice if you could try to wrap that all into one percentage number to do a comparison. It's not perfect but that's that's an idea that's kind of like the idea. So total interest rate of the TIP also just note that the APR is going to be higher than just the interest rate on the loan because of that because they're trying to roll everything into the interest rate. So you got to keep that kind of separate. You're saying OK this is the interest rate I'm using to calculate on the loan that's different than the APR. The APR can be useful so I can do a comparison hopefully comparing apples to apples to other loans even though they might have some other conditions. But that's just one measurement that not the only thing I want to be reliant on. Total interest rate total interest percentage the TIP that total amount of interest that you will pay over the loan term as a percent of your loan amount. So you could take in all the interest that you're going to pay compared to divided by the loan amount. Again another kind of comparative term that you can use to compare loans. This these are just a few things you can use to compare loans you might want to break the loan out again in more detail possibly with an amortization table. Total principal interest mortgage insurance loan costs will have paid after having the loan for five years.  Meaning when you're paying the loan off the amount that's going to interest is like rent on the money. It's not paying down the loan balance equity represents the value of the home minus the loan amount assets minus the liability or here is your equity amount. If the value of the home stays the same if we assume that then then the amount that you're paying off the home for is going to increase your equity because it's going to increase the difference between your home value and the loan. Now of course hopefully we think that the value of the home is going to go up as well which would also be a beneficial thing. So once again total principal will have paid after five years or how much equity you will have in your home excluding any increase or decrease in its market value. Annual percentage rate a rate that accounts for the loans interest rate and fees combined total interest percentage a figure that shows how much interest you will pay over the entire loan term as a percentage of how much you're borrowing. For example your total interest percent would be 50% if you paid 50,000 in interest on a 100,000 loan. You might say well that's a huge amount of interest right compared but if you're talking over 30 years right you've got a lot of rent that you're paying on the on the on it on the interest a lot of interest is going to take place there. Other considerations this section tells you six more things about the loan for which you've applied we have the appraisal assumption homeowners insurance late payment refinancing and servicing. The lender may order an appraisal to determine the home's value you'll you'll have to pay for the appraisal and you'll get a copy of it. If you sell or transfer the home to someone else you can take over your loan instead of getting their own. So in other words when you if there's a sale or something like that then the normal processes you've got the seller you've got the buyer and the seller has a loan out on the home and the buyer is going to need to get a loan. And so the buyer gets a loan so they can pay the seller the seller takes the money and then pays down their loan. You might say well is it possible for the buyer you could imagine it being structured so the buyer assumes the seller's loan instead of instead of as part of the as part of the transaction. So you might have an instance such as that or think about that as a factor or a circumstance that could be useful in some home purchasing situations. Usually the answer is no but some government guaranteed mortgages can be assumable. You're required to get homeowners insurance and you can choose the company as long as the lender approves of that company. See our beginner's guide to homeowners insurance if you need help. So if your monthly mortgage payment is late at what point will you have to pay a late fee and how much is the fee. Don't assume you'll be able to refinance this loan later because your free finance and the market might not allow for it. So in other words if you're going in to purchase a home and you're saying hey it doesn't really matter I'm just going to refinance it. I'm just going to update it in a few years and things will be better at that point in time. You got to be really careful of that especially at this at this point in time if you're thinking the interest rates are going to rise. At any point in time of course you would like to not get in this situation where you're going to get caught where you're stuck where you can't do anything where you basically planned that you're going to take some action in the future depending on of course that action depends on everything going well such as home values going up and the and that your income is going to go up and that the market stays good. Those are you know those are assumptions that may not be there. Sometimes we have to you know measure just like everything else we got to measure the risks versus rewards we got to take on some risks sometimes to do what we want to do of course but you want to make sure that that you're considering you know the possibility that things don't always go that way into the risk versus the reward calculation. So the lender you're applied with so the lender you've applied with plans to serve your loan meaning they will be the one to collect your monthly payments. You can manage your escrow account if you have one and send your monthly statements. Conversely they could plan to have another company service your loan after closing the bottom line the consumer Financial Protection Bureau the F the CFPB designed the loan estimate to help you understand any mortgage you apply for whether you're buying a home or refinancing one. So it should be somewhat standardized to that degree which is nice can help you to do some comparisons and possibly have some statistics that will help you break this stuff down a little bit easier. Although I can I still think it would be good to do your own kind of comparisons as well. Obviously work this into your projections and your tax projections your budgeting possibly build an amortization table and take a look at it on a year by year basis get a better understanding of what the APR means versus the interest rate and so on. And because any lender who wants your business is required to give you a loan estimate you can use this form to easily compare offers from different lenders and get a better deal. So clearly if you have a standardized set of formats between multiple lenders that's part of the goal because that helps with comparability from loan to loan so that could be quite nice. You can also make sure you aren't being overcharged for any services and that you understand all the loans costs and features. So clearly if you do your side by side comparison you might be seeing some differences in in the costs versus some other kind of components of the loan. Oftentimes if there weren't as as transparent comparabilities people will take advantage of people by by not having all the information meaning transferring some costs somewhere else possibly have a lower interest rates but higher costs or closing costs and so on and so forth. So the attempt to do things like the APR and have the cost on a form that's come side by side comparable makes it a little bit easier. It's still a little bit hard to compare those kind of differences. You got to drill down on it a bit but at least you can kind of see them spot them quicker and then possibly dive into a little bit more detail in terms of what that actually means with regards to the quality of each loan. So this important form is definitely one to review closely ask your lender questions about anything you don't understand. Clearly lenders are going to be working with this kind of documentation all the time so they're going to hopefully know it inside and out if you have a good lender and so any questions that you can direct to them they're going to be a good resource to get some answers on them I would assume.


What is going on guys? It is Jay with Bitcoin Daily Welcome to our new episode We will be going over the top 10 Bitcoin questions. That's right man. We're gonna be taking care of you guys today if you're new to Bitcoin you to the cryptocurrency scene Today we will answer the top 10 questions that we get all the time in an effort to You know help Spread the awareness. I was eating these chips hold on hold on Some baked chips my bad All right, let's get back to it So it took a little bit up to put this together. So just bear with me. All righty guys So let's just jump right into it Top 10 questions the first one. What is Bitcoin? Bitcoin is a digital currency created in January 2009 following the housing market crash it follows the ideas set out in a white paper by the mysterious and pseudonymous Satoshi Nakamoto Satoshi Nakamoto the identity of the person or persons who created the technology is still a mystery Bitcoin offers the promise of the lower transaction fees than traditional online payment mechanisms and is operated by decentralized authority Unlike the government issue currencies Right. All right. There are no physical Bitcoin. So you can't buy it bitcoins like physically like money Only balance is kept on a public ledger that everyone has transparent access to that along with all the Bitcoin transactions is Verified by a massive amount of computing power Bitcoins are not issued or backed by any banks or government nor are individual bitcoins valuable as a commodity Despite it not being a legal tender Bitcoin charts are high on popularity and Has triggered the launch of hundreds of other virtual currencies collectively referred to as outcoins All right basic enough, right? Hopefully that got you to a better understanding at least to learning what Bitcoin is I'm not gonna go dive super deep into any of these things if you guys are super interested in diving deep into them I do have a course Bitcoin University it's only ten dollars and I go way more into depth on all of these but for this I'm just touching over it. I'm you know only scratching the surface on this just to get you started If you want to dive deeper in then you have that option I'll put up post that link in the description Bitcoin University All right. So what is blockchain guys at its most basic level blockchain is Literally just a chain of blocks but not in the traditional sense of those words when we say the words block and chain in this Context we're actually talking about digital information the block stored in a public database the chain All right blocks on the blockchain are made up of digital pieces of information Specifically they have three parts blocks store information about transactions like the date time and dollar amount block store information about who is participating in the transaction and Block store information that distinguishes them from other blocks much like you and I have names to distance Distinguish us from each other even though some people have the same names each block stores a unique code called a hash That allows us to tell it apart from every other block ain't that some shit? How do I go? How do I get started with Bitcoin? I get this question all the time No worry kids. I am here to rescue you There are several things that every aspiring Bitcoin investor needs a digital wallet personal identification documents a secure connection to the internet a method of payment and an account at a Cryptocurrency exchange are the usual requirements valid methods of payment using this path include bank accounts debit cards and credit cards It is possible to get Bitcoin at specialized ATMs and via peer-to-peer exchanges However, be aware that Bitcoin ATMs were increasingly requiring government issued IDs early in 2020 so This is basically it right here guys Just go over this if you if you didn't understand anything leave questions in the comments and I'll be happy to answer it I just don't want to spend too much time on this Let's let's keep it moving So how do I get started with Bitcoin step one get a Bitcoin wallet? step when it comes to Choosing a Bitcoin wallet you have options there are software and hardware wallets software wallets are mobile applications that connect with your Traditional bank account these wallets allow for quick and easy access to Bitcoin But the drawback is that you put your money in the hands of a third party Step two connect a bank account in order to purchase Bitcoin You need to connect your wallet to a bank account debit card or credit card Are those these payment methods methods all perform the same function exchanging traditional currency for Bitcoin? They each carry their own set of fees. So you have to check on the fees when you're when you're buying Bitcoin Step three join a Bitcoin exchange Bitcoin exchanges are online marketplaces where you can trade Bitcoin for traditional currencies say BTC for USD just like when you go to make a purchase online you have options There's eBay Amazon Etsy and Alibaba to say nothing of the millions of private retailers who use these websites to sell their product The same is true for buying Bitcoin Step four place your order. You're now ready to buy Bitcoin for the first time Whoo, it is crucial to keep in mind that although one Bitcoin costs several thousand dollars Bitcoin can be divided up to eight decimal points The smallest unit of Bitcoin is known as a Satoshi Even if the price of a Bitcoin skyrockets, you'll still be able to buy a Satoshi for a tiny fracture of a cent Alternative ways to buy Bitcoin while an exchange like Coinbase remains one of the most popular ways of purchasing Bitcoin in the US It is not the only method below are some additional processes Bitcoin owners utilize again Bitcoin ATMs and peer-to-peer exchanges So if you're outside of the US, these are two that you have to look they're gonna have to look for in order to buy Bitcoin unless you have some a different Company that that you can a different way to buy online I'm in the US. So we have Exchanges like Coinbase Gemini and stuff like that where we can purchase pretty easily with an app What is a Bitcoin wallet? All right, there's a long one. Let me get ready crack my neck in order to conduct transactions on the Bitcoin network Participants need to run a program called a wallet Bitcoin is not technically coins So it only seems right that a Bitcoin wallet will not actually be a wallet Bitcoin balances are maintained using public and private keys Which are long strings of numbers and letters linked through the mathematical encryption algorithm used to create them The public key is a location where transactions are deposited to and withdrawn from this is also the key that appears on the blockchain ledger as a user's digital signature not unlike a username on a social media newsfeed The private key is a password required to buy sell and trade the Bitcoin in a wallet a Private key should be guarded should be a guarded secret and only used to authorize Bitcoin transmissions Some users protect their private keys by encrypting a wallet with a strong password And in some cases by choosing the cold storage option that is Storing the wallet offline so you guys can store your Bitcoin and other out Outcoins offline if that's something that you prefer using a hardware wallet again if you guys want more information on this we have our Bitcoin University course it is only $10 and we go deep into depth in this including which wallets we recommend and all of that How do I send and receive a Bitcoin? Receiving Bitcoin open your Bitcoin com wallet app and select receive so this is this is an example using Bitcoin com wallet app But you can use this the same way on any other app any other wallet Just the terms might be a little bit different Choose which wallet you want to receive Bitcoin to make sure you select a BTC wallet if you are receiving Bitcoin Your chosen wallet will generate an address that lets you receive bitcoins Copy this by tapping the QR code if you're on mobile or by clicking it if you're on desktop Provide this address to the cryptocurrency exchange or persons sending you the Bitcoin Or if you're in person the sender can simply scan your wallet QR code with their device now sending Bitcoin open your Bitcoin wallet and Select send Copy and paste the recipient's wallet address into your own wallet app Or if you're in person select scan QR code and simply scan it with your app Choose which wallet you want to send Bitcoin from make sure you select a BTC wallet if you want to send Bitcoin Enter how much you want to send and select next carefully check that you're happy with the details and then slide to send That's it guys very very simple processes Bitcoin mining I get this all the time What is Bitcoin mining? Bitcoin mining is an is Analogous to the mining of gold, but it's digital form the pro the process involves specialized computers solving Algorithmic equations or hash functions these problems help miners to confirm blocks of transactions held within the network Bitcoin mining provides a reward for miners by paying out in Bitcoin in the in turn The miners confirm transactions on the blockchain Miners introduce new Bitcoin into the network and also secure this the system with transaction Confirmations, they're also rewarded network fees for when they harvest new coin and a time when the last Bitcoin is Found mining will continue Can I make money mining Bitcoin? Yes, and no The days where anyone can make money mining Bitcoin with a desktop computer a GPU card are Unfortunately long gone the total computing or hashing power of the network has risen Exponentially since the introduction of application specific integrated circuits aka asics or Machines designed specifically to solve Bitcoin's mining proof-of-work algorithm and nothing else It is still possible for individual miners to make some money by purchasing their own asic based Equipment, however Most mining takes place in large factory like environments with hundreds of machines in places where energy is cheap such as China and above the Arctic circle and Once your machine is superseded by a newer model a few months after purchase It's ability to complete to compete on the network and thus earning It's and it's thus it's earning potential is greatly diminished along with resell value So guys I for example, I'm in the US. I do not mine. I've never mined and I will probably never mine never mind you get it because It is electricity is way too expensive where I'm from so Bitcoin mining is not profitable. It's not something I'm interested in doing. I've never been interested in doing it So it's definitely not something I do You also need to consider energy costs where you live Bitcoin mining asic machines run very hot consume large amounts of electricity You need to subtract the cost of electricity and calling from the profits you make I get this all the time How do I get free Bitcoin? Everyone wants free Bitcoin, but how do I get it? You can't it's no free. It's no free Bitcoin guys. There's no such thing as free. You cannot get free Bitcoin Stop it Stop it. Stop it. Stop it. But for any of you who believe different Affiliates you can Some stuff out there some a lot of them are pretty sketchy, but you can earn Bitcoin through affiliate marketing So if you want to try that go for it. I've never done it never will and There's sites now sites claiming to still be BTC faucets, which is back in a day. What they used to be faucets that gave away free Bitcoin are Actually something else completely some are actually Gambling sites that just offer a few free Satoshi's to start you off But there is only a minuscule chance you will win enough to reach the withdrawal Minimum without putting in a more BTC of your own Some are actually online freelance platforms that require you to put in work such as entering surveys or Completing other tasks some web websites might also be secretly using your browser for mining an outcoin in a background Exploiting your CPU and giving you just a fraction of what you could have made yourself if you were the one mining it so like I said guys You can't really do it. You can't get free Bitcoin But if you want to try going to this rabbit hole of sketchiness, you're more than welcome to How to trade out coins Step one choose a reputable fiat to crypto exchange because first you need Bitcoin Register and buy Bitcoin Register on an outcoin trade exchange so something like Binance Transfer coins from one exchange to the other so you have to transfer from wherever you bought Bitcoin from to the trade exchange Buy out coins on a chosen out coin exchange So now you just trade your Bitcoin for whatever out coin you want and that's basically it Bitcoin scams We're 15 minutes in Bitcoin scams guys. Oh, hold on Real quick question of the day before we do Bitcoin scams Question of the day. I don't even know if I wrote it down. Oh Here we go. I haven't even got to it yet but I'm gonna ask it and then you guys are gonna keep watching the video and You're going to answer it So question of the day remember guys every video will have a random question about something in the video The question will always be in a random area of the video find the question Then find the answer in the video post your answer in the comments for a chance to win free a free month Membership to our trading room winners will be picked randomly once the video receives so today We're going we're going hard today. We're going 35 35 likes so once this video receives 35 likes we will pick a winner. Good luck Question of the day What's the best strategy when it comes to buying Bitcoin for the first time this answer is in this video? So get the answer from the video post it in the comments and We will pick a winner. Make sure to like the page as well subscribe to the page like the video and Share with your friends. All right back to where we were Bitcoin scams guys hold on Bitcoin scams account management services guys Guys Guys and girls girls too Guys, I know I know it seems easy to just give your money to someone and then they give you back So much more right like you give them a hundred dollars and in 24 hours. They give you a thousand, right? They give you five thousand ten thousand guys So they seem too good to be true If it was that easy, why would why wouldn't they do that just for themselves? Why do they need your money if they can turn a hundred dollars into five thousand dollars? Then why do they need your money? They're obviously King Midas. They can turn anything into gold. Why do they need your money? Guys account management services or BS stop please stop falling for it.  Everything's gonna be fake. Don't ask me Oh, what do you think about the name of this person or the name of this company? They have a website in exchange and they'll have everything's fake Don't ask me that if you have to ask me if it's a scam or not It's a scam. That's my role of thumb if you have to ask it to scam and that's it Cloud minding guys another one same thing as account management services It is BS if they could make that much money with a hundred dollars or whatever it is that they're asking for Then they do not need your money. Why would they need your money guys? It's all common sense guys very very very Basic common sense use just a little bit of it and you'll be fine Binary traders same thing. They're claimed to take your hundred dollars turn it into $10,000 whatever it is. It's all BS guys Too good to be true returns if it sounds too good to be true. It usually is Impersonation giveaway scams if they're saying that they're whoever and you know, they're asking you for one BTC or one Ethereum and they'll send you to a theorem back whatever it is scam Ponzi or pyramid schemes we all remember bit connect. Hey, I can't lie. I invested in bit connect I made a little bit of money, but at the end we lost money. Everybody lost tons of money If it's looks like a Ponzi or pyramid scheme stay away. It is not Anything it has nothing to do with Bitcoin. They're just using Bitcoin for the Ponzi or pyramid scheme Pump and dumps there's so many groups guys that don't even try to charge you to join the group Then they'll pump though.    How to maximize profits on every trade. I'm lying.  Is that you see these these videos are still private because I'm in the future right now These videos haven't gone up yet, but they're scheduled to go up already So by the time this video comes out these videos will be out already So don't worry about it, but all you have to do is go here is now a good time to buy Bitcoin That's all you got to do go to is now a good time to buy Bitcoin I go over exactly the answer to that question and I go over my strategy for buying Bitcoin That's it guys that is it I Did the question of the day already? I Think I did everything here Right. Yep, and that's it guys. So Yeah Thank you for joining you already know if you want to get the if you want to qualify for the free Membership for one month. All you got to do is answer the question of the day Damn, yeah answer the question of the day guys because the number one best way to invest in Bitcoin At any given time was the best time was when it first was made the second best time is today and The best strategy to use to buy Bitcoin is dollar cost averaging since I'm thinking about it right now with the question of days I don't want to make you guys have to watch another video to know what the question of the days So I'm just circling back around But I appreciate you guys Sorry for my rambling If you have any questions any other questions, just leave it in the comments Please subscribe and like the video share it with your friends share it with your family your loved ones your mom your dad Your kids your sons your aunts your neighbors find a stranger out in public and Take his phone Put Bitcoin daily subscribe to me on his and like all my videos Love you guys. Peace


Okay, well, today I've got a bit of a mission on. The power supply you see before you has a bit of a fault. On the left channel, the negative is shorting with the Earth. I'm going to circuit there on the right channel. It doesn't work like that and it's not supposed to work like that. So today I've got to pull it apart and figure out what's wrong. But before I can do any of that, I have to tidy up this bench because it is a mess. It is a mess from lots of prattling around.  Jacob's led last night as well. Got a little ZVS driver to fix there. Diodes gone on it and even now it's there with that.  We've got a couple of blank components. Okay, so I'm taking the screws out of this thing. What I'm going to do is take it close here. Zoom in. There's a couple of capacitors there, 100 nanofarads and that's what I've been told to look at. This is the image they sent me. I'm going to zoom back out and I'm just going to try and move it a bit closer with the camera. Slide round the large screen. So as you can see there's an electrolytic there on the left and some plastic, some poly, poly, poly, poly, poly, propylene type film, jubbys. Those two there are the ones I've got to check because if they're shorted, if they're short, then there's a possibility that that's what's causing my grounds to negative connection or at least on the one side there. And this is the engineers I told them what was happening with it. They've actually sent me the wrong side. From this we're looking at it at the right hand side because if I'm not wrong, bottom left of that picture is a multi-turned part, which would indicate the voltage control on the right hand side of the supply, where really I want this board, but on the other side. Yeah, yeah. This is the second power supply, the second of these power supplies, the first one which short out when you put it in parallel mode or serial mode, which is no good as I need the 10 amps sometimes. So instead of this one going back, they've just got their engineers on the picture of the capacitors that maybe have failed. And I've got to go in and figure that out. Yeah, so here we are. So this is the mission this afternoon. Let's get in here. I'm going to take this off and pull it forward because these boards are here. The actual back of the board on the photo, on the screen there, is this side because there's the pot and it's quite a big unit because in the back here. And it's actually this side where the earth is connected to the negative and I don't want that. I don't mind having it as an option, but I don't want it. So that's what we're going to do. So I'm going to take the case off and we're going to take a look at the inside. After taking a peek in the back here, I'm actually wrong. The image there is off the correct side. What you've got to do is just position yourself upside down. So the fellow got in here upside down and took the picture and sent it to me. So all we've got to do is undo these screws. It's the same on the other side and I'm pretty much hoping that that's just going to drop forward without too much ado. Well there's the... that's disconnected. You see I can't get down there with a multimeter. Well I think even if I zoom in, you see the capacitors down there, that's where I want to be. I don't think that's what I think you can see them as they're right down the bottom there. So I'm just going to turn this over and do the bottom screw so I can just move the returner's over the whole thing. The best thing while you're staring in the half kilos, I mean look at the size of those. Those transfers, not that you get to see them. Sorry I really don't know that side but you get to see the side there so. And it's down here and I'm going to get to see just inside there in the middle. The whole picture's gone a bit shh go away. So yeah, not the easiest. But then it's definitely not the hardest to get to either. OK well I've turned the unit round. There's one of the capacitors, two of the capacitors there look, the two green ones. That's what we've got to get to. So I'm hoping I can get in here now with the probes and as far as I know there's supposed to be two 100 nanos which I've got plenty of spares if they have gone. One of them's gone. Not too bad for this. The way it's put together. It does say on the advert that it's all SMD which, well maybe they've redefined SMD. But there are some SMD. You know we've got some, and it's pretty modular as well. So if something fails, I don't think that's not too bad. I can just take a part out and see if you can get it swapped out. Nice multi-turn pots. The capacitors, they're then cheap crappy Chinese jobbies aren't they? Maybe I could swap them out for some Rubycons or something. But they are the cheap Chinese ones. But how do I know that if you just look at them? You've got loads of these things, loads. You get like 30 billion of them for £3 if you send it off to China.  But anyway, well I could be wrong. I could be wrong. The vent on the top looks a little bit different to someone. But right, so I'm going to see what else for this. I've got to pull apart to get my probes in there and find out what's going on with those caps. I'm going to use this puppy for measuring. Even though they're really good. And they are, they've actually got hardly any resistance at all these. I can't remember what it is, but it's really low. They're going to be harder for me to get in. Then using some of these ones, because I can take the ends off there and have nice, you know, long db bits to nice prongs to poke in there. So, okay. Right. And the old brimer, which this does work quite well. I like this. It's a nice little bit of kit. So I'm just going to have to try and see if I can do this. I don't think I'm going to be able to do this with one hand. I could normally chop stick it, but because they're, maybe if I swap hands, I'm going to try and do it with my left hand. No, I'm going to have a problem with this. Hang tight. It's not as easy to get to these as what I thought. The top one there, this one thinks it's a resistor of 500 megs. This one down here has a capacitance of 208 nanofarys. These are supposed to be 100 nanofarys each. That's only what these are. So, I've got a funny fear in that these are not very good. But really, I have to take them off the board, unless I can get in there. The way these have been pushed in, that I can't actually get a probe onto there properly, I'm going to see if I can get into the mesh, see if I can. So, well, it looks like the side that's working okay. The two capacitors here, both of them measure 208 nanofarys. They're 100 nanofarys each. And the capacitors here, well, the top one, this one, that measures a short OL on the capacitor. They've got the continuity, just a few irons. Resistance, and the one down at the bottom measures 1.2 millifarys. So, I'm not quite sure how that's been affected by the other one being short. I'm not going to screen on this screen here. That's where we are. C1, C2 is short. C1 is measuring 1.2 millifarys. As far as I know, that's a 390 micro is fine. But, yeah, see what we've got is there's a connection between ground and air for short. Mi continuity, you know. We don't really wish for that. On the other side, you can just pull this back slightly. Now, on this side, this is a presume output 2, board 2. Let's see if the siding over right-hand side is a secondary output. That should all be exactly the same. But, like I say, both of those capacitors there measure to 208 nanofarys. And that side is fine. There's no connection between short, negative, and ground, which is the way I want it, you know, floating, rather than have mains reference air running through the ground, the negative connections. So, I need to write an email now, just sending that back to the engineer, circuit specialists, and see what they say about that. I wonder if they're actually going to compensate me for my time. And, of course, it hasn't finished yet, because we, let's spin round here, if I do, if I am asked, because I've got spare capacitors, I've checked, I've got loads of 100 nanofarys, these film capacitors. If I do have to, look, I'm going to have to unbolt the connections, unscrew all this, and hopefully leave all the wires connected. But I'll have to unbolt from the connector lead terminal. Connectors, so I can then pull this forward to be able to desolder, of course, and replace those capacitors.  These are some chunky old, chunky transformers here. So I'm going to turn this about so it's how it should normally be sat, because I don't like the idea that it's putting a lot of strain on these screws, and on these components. So there we are, about turned. Feel a lot happier with it like that. But as you can see, look, all these will have to be undone. This is one, two. I can't tell what's on the inside of there, but there's three screws.  And as long as that is just it, hopefully then that board will come out, and I can change it. And I think that's what I'm going to probably do now. Actually, I may as well get on and do it, because I've got a funny feeling that they're not going to pick this supply up. They're just going to leave me to fix it. It won't be the first time that's happened with what I bought off eBay. I've got another power supply here, which I have to fix. Another 10 amp board as well. So I'll probably have to do this one as well. But you know, it's really painful when you're going by stuff and you get it at home and you've got to fix it before you can use it as you want to, or if you should be able to. I just noticed down there, I don't know if you can see that, but that's a target. The red wire is all coming out that blue sleeve. That's a target little there. There's some rain wires coming out down there.  I'm not sure what you can see when I put the light over like that because it actually blurs out the picture on the screen, so I can't see anything. Which that probably doesn't help, because I tend to have the brightness dimmed out on the screen. I always take the phone into bed with me so I can watch comedies. I just fall asleep laughing at comedies. So, yeah. I suppose I better start undoing those and pulling that out.


Hi, my name is Bailey Mapples and I'm a Senior Program Manager at TechSoup. Today, I'm going to show you how you can take notes in Zoom using the Asana app, which will sync to your Asana account. Another great thing about this is that you can assign action items in real time while you're in your Zoom meeting. Once the Zoom meeting is done, if you're recording, the transcript and recording will also be in Asana. To access this, you will need to have an Asana account and enable permissions between both apps. You'll also need to add the Asana app to your Zoom account. For more information on how to do this, go ahead and follow the instructions in the description box below. To get started, you'll need to go and select apps in the lower right-hand corner. You'll see all the apps that you've downloaded here, including Asana. From here, you'll be able to take notes for your meeting. You'll be able to assign it to a project. You'll be able to create action items right within your Zoom meeting. You'll be able to assign it to someone and associate a due date. Once you end your Zoom meeting, this will automatically sync with your Asana account. So now that I've ended the Zoom meeting, I'm in my Asana account and you'll see that task and with any notes that I took during the meeting, along with the follow-up items. And that's it!


All right the Oscars Are this Sunday and Part of the tradition of the Oscars is we have the great Legendary movie critic Jeffrey Lyons on with us, and he joins us today on the phone Jeffrey. How you doing? Hi, Michael. I'm looking forward to seeing you and the upcoming season. It's been a very strange couple of days what with Kobe Bryant and Mookie Betts and Kirk Douglas. I'm a friend of my family for 70 years and Now Oscars coming up. It's gonna. It's been an interesting up-and-down emotional time Now I'm hearing a rumor that you are actually gonna be the Red Sox manager. They'll name you the manager the next couple of days Okay, tell me what you think of this guys Don you're here, too. I suppose sure and Peter. Let's let's say the commissioners has suspended out Alex Cora for a year Who's to say he can't come back because everybody loves him I think that's their play. Yeah, I really believe that's their play Wow That'll be something in the meantime Jason Veratek is my new guide to succeed him. I'll be a temporarily All right, let's talk about best picture. Who do you like? I think it's between it's it's between 1917 which I loved and my favorite film of the year once upon a time in Hollywood But I think the the vibe that I get is that it's gonna be 1917. I don't know if you've seen it But I have a facial film. Did you see once upon a time in Hollywood? Yes, I didn't I liked it a lot I take back everything I've ever said about most of Quentin Tarantino's movies I met Sharon Tate in London one time and she appears in the movie as you know in that clip that Margot Robbie watches herself on screen, right? And I was terrified about how the movie might end Do I have to sit through a recreation and as you know, I don't want to give anything away It's the biggest surprise. I've ever seen in the 30,000 movies. I've seen it. It was just but I think the buzz is 1917 I don't think it's gonna a lot of ratings because Everybody's won a lot of almost all the preliminary awards the ones I voted for the critics choice awards Awards and and every other SAG awards. So it's I don't know. There's gonna be much suspense this year I'm just curious about one thing. Sorry Don. So I really enjoyed once upon a time in Hollywood But a lot of people there are many people out there who did who thought it paled to compared to Tarantino's best work You said it was almost the opposite for you. Why did you like it more than? And as I say, I met Sharon Tate and I remember Hollywood being like that back then And if you remember the New York Times had a full-page dissection of how every single little thing in the film looked authentic from the ads for the local news anchor On whom the character of Ted Baxter was was based on the Mary Tyler Moore show and Every little detail was done perfectly and it just took me back to another time And I think that two great performances from these I think Brad Pitt and Leonardo DiCaprio are the bird Lancaster and Kirk Douglas Of our age parallel stars De Niro and Pacino Joan Crawford and Betty Davis I love parallel stars who have similar careers coming up at the same time So I love I loved a lot about it and and I just hope it wins But I'm not sure it will I know we're prisoners of the moment But when I saw it I thought this is Tarantino's best work And this is coming from somebody that loved reservoir dogs love pulp fiction But doesn't it make sense that a guy 25 years later would be better at his craft And it really seems like he came it just all of his experience came together in that one film Yeah, and you know what he said at the critics show I think to you the critics choice of the saga words He said he won he won for best screenplay. So I don't have to thank anybody. I wrote this all by myself No, I'm wondering about one thing so the Irishman is nominated and I know this is maybe it's blast for me I think I think people are saying it's great just because it's Corsese. I watched it I wonder what ended up on the cutting room for nothing Hitchcock said tell it in two hours and it's three hours and 40 minutes or so and I'm not talking about watching it in Netflix I'm talking about being in the theater and If you anything over two hours, I usually expect Egyptian sandals pyramids chariots gladiators Not the wise guys popping each other in the brain again with guns and even though De Niro's mother I believe is Irish-American He has defined his career as an Italian-American actor and he speaks Italian in the movie I never for a second thought he was Irish and I also don't care about Jimmy Hoffa anymore I mean who cares about that it's it's it's 20 years overdue and also Al Pacino's accent is Jimmy Hoffa. It came in Jimmy Hoffa either he got a he became a caricature of himself. This is a horrifying collection of takes all around I loved it. It's phenomenal. Maybe the reason I loved it is because maybe We're different ages. I never really felt like I ever understood or knew the Hoffa story I kind of got caught up in that a little bit more just because I And I thought the Hoffa movie with the Jack Nicholson didn't do it justice at all I thought this one did if you can't win a golden globe of any sort What are your chances of winning an Oscar and I could understand that this might also be prisoner of the moment too But I was talking to the guys. I finally got a sent chance to see the Joker I don't know if I ever remember a performance quite as good as what walking Phoenix gave I was really blown away and I know that was inspired by by two different movies taxi driver and Scorsese's movie Why am I my drop of the ball with Jerry Lewis? Comedy He captivated me. I thought he was I was blown away by the performance Film I didn't like the film cuz I didn't want to spend two hours within the within saying person But I think he's a lot to win the Oscar and it's deservedly So I think it takes somebody who's part crazy to play a crazy person sometimes and cuz he's he's unless he's doing a whole Gig on on on on us he comes across as somebody who's unpredictable and loony and That that whole thing in the the staircase up in the Bronx was brilliant He did it so well and and he's a lock. He's won every he's won every preliminary award I think it's hands down. Do you know Jeffrey that I spent four hours a day with a lunatic? Well, you can decide whether it's Don or Peter. He's talking about me. Yeah, okay now real quick. I Felt the entire season of awards snubbed Adam Sandler and uncut gems can't nominate everybody How about John Lithgow for before? bombshell as As you know the head of Roger as I was Roger Ailes. He was brilliant. You can't nominate everybody Here's my question Banderas was the name that kind of popped up during the award season that at least as a casual fan I wasn't aware that movie was that great was Banderas that great in pain and glory. I look. I'm the biggest fan of Pedro mold of our I speak his dialect of Spanish fluently. I Antonio Manderas is an old friend of mine. I did the first English language One of the first English language interviews with him and I know the towns where he would be a street actor And I like Banderas's work And anything he does just about but I thought all mold of ours movies about women are great This one didn't hold my interest at all and it's got Penelope Cruz And I did a first English language interview for there and and I've stayed in touch with them And I'm connected to them I like to feel that way anyway, and I just didn't get into it. I didn't care about his life I maybe I should have but I wanted to make more movies about women. Nobody does it better So I don't think he has a chance to win though But you can always give somebody an award for their career, but he's not old enough for that That's why John Wayne one late in his life It was for his whole career wasn't necessarily for playing Rooster Cogburn talking with the legendary film critic Jeffrey Lions The Oscars are this Sunday actors in a leading role a Jody and I sat down and watched Judy the other day and Renee Zellweger was just unbelievable. I mean, I would think it's a slam dunk, right? Exactly She's won every award up to this. I I saw Judy Garland live and my dad knew her I never met her but I saw her live and my and my and my dad told me certain characteristics about her and Renee Zellweger Recreated those perfectly. She was marvelous in it. She was born to play the role. Do you just forget forget that it's Judy Garland, you know who I did know I know the guy who was her last husband He used to be a matriot D at Arthur Sybil Burton's Disc a tech as they were called back then I used to see him every night and this was the guy who was her fourth husband And it didn't last very long as you know, if you've seen the movie She was born to play the roles. It was she was great in it. And how about the supporting actress? Supporting actress, I think Laura Derns won everything and she's going to be a sweep and it's who she was great All the performances were good. There are a couple of other snubs Gretta Gerwig should have been nominated for best director for little women I am not the intended audience for little women and it is such a sweet movie and it's put a completely new take On the movie which has been made about six or seven times before and I think Brad Pitt's going to win for once upon a time In hollywood, he's overdue. He was great. He exposed a weak side and of his character and the fight with bruce lee is enough That you know when I have to put we take a family picture and I want to put a fake smile on I think of bruce lee being slammed against the car door and I can't stop laughing Is it true that the lee family had a problem with that? Oh, yes, they did and you can't you know the loss at least along this country says you cannot The fame a dead person you can say whatever you want about a dead person, but they didn't defame him I thought they brought back his memory. I thought it was fine It was it was it was funny. I didn't get a chance to see it. I desperately want to but what did you think of tom hanks? And does he have a chance at the supporting role? No, he's got what does he have 12 Oscars or something? It seems he's a male meryl street, but he was fine. I thought he was a lead actually because he's He's the one that was in elderly ads And I thought he was fine and tender and remarkably well cast and he's also related Uh to mr. Rogers. He's a distant relative of his incidentally So, uh, he was born to play that role too, but I think he's not over. He has his oscars. Brad Pitt does not Now before I let you go, I love that netflix exists I just don't think that they should use the little okie dokie on us to put the Irishman in theaters for For a month to get it nominated for an academy award. I don't think that's fair I mean there's netflix and there's not right The good thing is that they bought the paris theater on fed next to the plaza hotel here in new york And it's a magnificent theater movies used to play there for a year And and they're showing that's the rule. I think my I said to my son. Do you think we're gonna have Uh movie theaters 50 years from now will everything be on netflix and amazon and all that's a great time to be an actor There's plenty of work out there He said yes because you can't take a date to the living room to watch something It's a day. It's gonna become more of a date. You sure can No, that's where the date ends peter. Oh, sorry So you're looking forward to this sunday right jeffrey you like this Look at the oscars as the toll booth through which I have to pass to get the baseball So in that sense, I am even though mukibets is gone at least for this year That's right. They could bring him back. They could bring him back. He told he told big poppy He doesn't want to leave I guess the red sox made him an offer and he didn't want to scrape by on 600 000 dollars a week Can you blame him? No, not it's not when you think you could get a million a week What's the difference? How does that extra money make that's how they keep score? Oh for goodness sake. He could have been the next you know just remski almost if he'd stayed out He's not a big guy. Didn't have a great year last year as you guys know. He had a pretty good year But uh, it's it's it's high in bloom is taking a lot of heat But they did they have the smallest stadium they have 35 000 people on the highest prices They have to keep under the salary cap. It's going to be a tough year He should not take the heat though jeffrey because he the marching orders came from john henry Of course and john henry is knows what he's doing And if you there are a couple of down years the yankees have had them too You got to regroup I guess I just just hope i'm wrong and I hope they went on the field and not on paper Good stuff jeffrey. Thank you for joining us. I love this spot. See you guys soon. It's always an honor. Thanks. Thank you so much


Hey, everybody, what's going on? I am Greg Sosman, joined today by Jim Sannis of Fandle, who's back to talk a little NASCAR. His choice, not mine. What's going on, Jim? I mean, it's our first like semi-regular race of the year because it's not a super speedway where there's super high variance, not a road course, where a guy could be leading and run off the track all by himself. So I'm excited for a little bit of normalcy for once this week and excited to get back to some foundational type NASCAR betting for this week. Then let's get into it. Let's start chatting here about the Dixie Vaca 400. And we'll talk about the guy that you want to at least place something on. That's Denny Hamlin, where, to me, just knowing how little I know about it, right? Usually, Denny Hamlin's at plus 500. That just seems too big of a number for Denny Hamlin, who's obviously a very good driver, no matter the track. Why is Denny Hamlin really five to one here? Yeah, usually I am not super inclined to bet a driver whose odds are as short as Hamlin's are for this week because there's a lot of weird stuff that can happen. There is still variance even at the non-superhigh variance track. So five to one, I've got to have a lot of confidence that that driver will be running up front and have a chance to win this race. And I think that with Hamlin, that's all in place for this week. And you look at the number there of five to one, it's there for a good reason. It's because he was tremendous on tracks like this and this exact track last year as well. He won at Homestead, the same track last year, also won in Kansas, and that's a similar track. It is a flatter one and a half mile track. There were six total races on those tracks last year. Hamlin won two of those again, including this one here. He had a top three average running position in both those races. And he also had a fourth place average running position in the second loss Vegas race, which took place during the playoffs. So we saw him three out of the six races on a flatter one and a half mile tracks, running up front, leading laps, contending for wins. I expect the same thing to happen here on Sunday, once again back at Homestead. Now, Hamlin, in the past, when he's run well on these tracks, has had to work his way through the pack. He won a race, I believe in Kansas, it was during the playoffs back in 2019, where he started the middle of the pack and he still led, you know, like 150 laps in that race. This time, that's not a concern. He's starting first. He is on the pole for this race. So it's easy access to laps led, easy access to the front of the pack, no weird strategy necessary to get him there. He's already there. So Hamlin, yeah, it's a shorter number that I usually want to bet for any track, but I think it's justified for this week for Hamlin. My win simulations have him winning the race, right in line with this number. So if you want to get action on one of the favorites for this race, my favorite route is via Hamlin. I think that that number is deserved. It's still potentially maybe a bit undervalued. So if you can find Hamlin at five to one, I'm inclined to take that number. It's interesting, you're on a different side here. I thought seeing Denny Hamlin five to one was actually big. You're pointing out that it's actually really small number and that's not something that you normally want to place a wager on here because it is so short. So we saw it a little bit differently. Obviously you're the expert. I trust you, Denny Hamlin, five to one, something worth considering here, I'm having a reason, over at the Fando Sportsbook. Another driver that you like to win here, Jim, is Ryan Blaney, who's 14 to one to win this thing overall. You explain why you were in on Denny Hamlin. Why Blaney? Yeah, my numbers for my model in NASCAR tend to like Ryan Blaney every time he is in the race. Even when he's not in the race, they'll probably still like him a little bit. But this happens every week. They say I should bet Ryan Blaney. It has not worked out yet. He hasn't really won that often in non-super speedway races last year, won in Talladega, won in 2018 on a road course. So tracks like this, we have not seen Blaney convert on the speed he has had. But the speed has been there. And at some point he's gonna close out one of these races and we're getting him at a discount at 14 to one because he has not been able to close out those far. But we know the speed will be there. Going back to last year, again, there were six races at flatter one and a half mile tracks. In those six races, Ryan Blaney had a top eight average running position every single time. He had a top five average running position in four out of the six races. And one of those was here in Homestead. In that race, he led 70 laps and finished third. Again, Denny Hamlin did win, but Blaney was a contender during that race, ran out front a bunch and could have potentially won that race as well. If you look at 11 total races at the one and a half mile tracks last year expanding beyond just the flatter ones, he had five top fives and nine top 10s. So he was consistently running at the front. If you look at the implied win odds at 14 to one, that's 6.7% but in my simulation, he wins 10.2% of the time. That's actually quite a bit of value for a driver at the top end of the odds board. Sure, that's because, you know, my winsons aren't baking in the narrative that Blaney can't finish out races, but he's a year more mature now. He's had more experience. He's in his second year with his new crew chief. I think that all adds up to potentially seeing some progression out of Ryan Blaney late in races. He was contending often last year, but if he takes that next step this year with his new crew chief being in place, I think we could see Blaney start to capitalize in the speed that he has and close things out for a win. So 14 to one, I think we're getting him at a discount because of that narrative that Blaney can't finish out wins. You know, kind of like the Tony Fee now or the Xander Shafley recently at NASCAR. I'd expect that to change in the very near future. So I want to gobble up Ryan Blaney at 14 to one, while I can still get him at double digit odds. Ryan Blaney, always a driver that's around the mix, but can't get past the finish line as the leader. You compare it to Tony Fee now as Xander Shafley in golf. We'll see what Ryan Blaney can do here this week and maybe he could break through. And Jim, you'll just keep pounding this number really until he does cross that finish line as the first driver that does. He's 14 to one here this week. We'll see if he gets the job done. One final driver to talk about, but we're not talking about him to win. You're betting on him to finish in the top 10. That's Matt DiBettadetto. He's plus 230 right now at the Fandal Sports Boat to finish inside the top 10. Why do you believe this is a good number? It's because DiBettadetto proved he was worthy of this number last year. Last year was his first year with Wood Brothers Racing, which is affiliated with Penske Racing teammates to Ryan Blaney, Brad Keselowski and Joey Logano, effectively. And he took advantage of the speed that they gave him on this track type. Again, six total races on this track type. DiBettadetto had three top fives. Those were his only top fives the entire season. So this was his best track type that he had and he converted that into quality runs. Now, sometimes that was because of pit strategy, but in order to win or to finish top three, which he did three separate times, you have to have a fast car. You have to be in position to capitalize on pit strategy and DiBettadetto did exactly that. It's also not as if pit strategy doesn't matter. Like being able to capitalize on that is certainly intriguing. If you better finish top 10, that's definitely a good number. Again, you finished in the top 10, four out of 11 races on one and a half mile tracks last year. That's a 36% rate. His implied odds here are at 30%. So I would actually take the over on 36% for him this year on the one and a half mile tracks. So getting him at 30% here, I think is advantage. Now the obvious counters that DiBettadetto is starting 37. So he has a lot of ground to make up here and that does matter for sure. But it's a long race, 400 miles. It is a trap where passing is relatively easy and we could see some pit strategy come into play for DiBettadetto once again. So really good on this track type, good equipment with Wood Brothers Racing and a guy I think is a bit undervalued in the betting markets in general. Not necessarily a guy I think who has the upside to win this race, but I do think he's very much in play for a top 10, especially if you're gonna give me plus 230 on the odds. Getting DiBettadetto at the highest number I think you have to do it. Plus 230, like you said, it's something you just simply don't wanna ignore. You're actually a track. DiBettadetto could be very, very successful. Just to finish the top 10, if not more, we'll see what he can do this weekend. That's gonna do it for us here at Fandal Hurryup. Jim, we appreciate the time and join the race. Thank you, Greg. I appreciate it. Have a fantastic weekend. Hopefully we can get you in on some NASCAR betting or some DFS here in the very near future. With March Madness coming up and then the Masters. My schedule is a little booked, but we'll see what happens ultimately. Especially tomorrow, where we'll join my time back here and talk about a little NBA DFS. Something I can tell you I'm much more interested in. For Jim Sannis, I am Greg Seltzer. Thanks so much for watching. Enjoy the race and we'll see you back here tomorrow for another edition of the Fandal Hurryup.


Aloha. Thank you for your consideration of the views expressed in this think-tech commentary. No, the United States is not over. Contrary to the views of the depressed, our greatest strength, our greatest vitality is our diversity. Diversity is not just people from far away cultures that are arriving today. It's also people who have arrived before and who are making their way, finding what they and their families have longed for, realizing their destinies, becoming embedded sometimes painfully in our America. People who manage to go to school, even against the odds, who become teachers, scientists, professionals and entrepreneurs, just as they had hoped in their American dream. People who are free to express themselves, to find expertise, to listen and speak up on social and political issues, who run for office and bring clear-eyed altruism to the national conversation, which we need so desperately. It's a new and promising generation. They were pubescent 10 years ago and are now ready to take the mantle of community awareness, people who care about others and have enough guts and vision to go around. We need to appreciate and encourage them. We need to help them. We need to let them have their way to make their greatest contributions. And we must avoid the inexcusable sins of cynicism, racism and bigotry. We must care for them as they care for us, not because of our respective agendas, but because of the highest common values of our democracy and because we will all benefit if we build a kinder, gentler city on the hill for everyone. We must all be free and allow others to be free to live this American dream. From a world of threatening complexity, we must build a world of enlightened mutual respect and thus a much more productive and perfect union. What have you done to build that world today? Thank you for your consideration of the views expressed in this ThinkTech commentary. Aloha.


Today, my brother Mirko flew in from Vancouver, Canada to the Philippines, and if you come join us in the Philippines, you may see exactly this behind me. Our first act was to eat breakfast, and here is the food that we had. I'll follow it with the full day of day one in the Philippines, so you can get an idea of what day one can be for you if you join us to work with freedom here. Take it away! And now we're walking in Eastwood City. Here is Mirko on his first day here in the Philippines, and we are just heading back from the office. I showed him where we work, which is in that building right there on the 10th floor. This is just the area where there's lots of restaurants and shops, and we're just showing him the place. What do you think so far, Mirko? Really hot, but it's nice. The office is really nice. I'm impressed. So this is me, and we're continuing the day one tour of my brother here in the Philippines. Next, my brother will eat Balut for lunch, a unique delicacy to the Philippines, and that was one of the challenges you told us you want to see Mirko do on day one in the Philippines. So that's coming up in the next video. And this whole series is to show you that the Philippines is a beautiful place to live and work, why I chose the Philippines. I am here with my family, my wife, and our three kids, because this is the best place to do a startup. So we can focus on the business, and you can join us, because we are opening up an incubation project where we help other young entrepreneurs become successful by getting rid of all the distractions, the financing, the accounting, the office space, the designers, the developers, everything we provide, all expenses paid, living quarters. And if you missed any of that, click here. This will take you to the full playlist of everything I've presented about the Philippines to help you decide whether you want to apply to join. And if you do, make sure you write everything down into a Google Doc or a Google Sheet that explains exactly why we should pick you, because although we can't pick thousands of people, we can't pick tens of people and eventually hundreds of people to come here. Now you need to stand out, because this is not a vacation, this is work. We're here to build a business. We're here to become the number one MCN in all of YouTube in 1.5 years, and we can do it together by working together, working hard, working smart, and working from the Philippines. Who's with me? This is freedom. And who am I? I am George, founder of Freedom, whoop, Freedom, over here, and MGM, our multi-gaming network. And I hope this video has influenced you in a positive way. What is influence? Well click right here. That'll take you to the video talking about influence and why it's my power word.  What's yours? I'm also the founder of MGM, our multi-gaming network, the MCN for Gamers. Check it out at YouTube.com slash MGM. You've been watching... ...Speechless, what happened to being doctors and teachers, what happened to being your brother's keeper, nowadays kids more worried about...


graphing-based materials have recently emerged as promising alternatives to traditional sorbents for the removal of organic pollutants from water. This paper reviews the synthesis methods used to produce these materials, their adsorptive properties, and their applications in phenol removal from palm oil mill effluent. This article was authored by Kahine Shola Abayomi, Siam Lao, Michael K. Dankwa, and others.