My friend called me yesterday after watching the budget speech and he said that you'd better stop cribbing now You've been talking about Increasing government spending you've been writing about it and finally the government has decided to spend more look at the fiscal deficit You've always been saying increase the fiscal deficit The government is increasing the fiscal deficit to almost 7% of GDP and last year it was almost 10% of GDP You'd better keep quiet now and I thought to myself and I said that yes, sir. He's right Better look at the budget papers and see where all is this spending increasing and let me tell you I realized That what I'd watched in the budget speech at what my friend had watched and what all of you have watched is essentially a magic show because what we saw in front of us was an illusion an Illusion which made us believe that the government is spending more in reality The spending is hardly anything and probably even lower than what we've seen in previous years I'm going to prove it to you. So stay tuned keep watching The reason I spoke about a magic show is because I have always been fascinated with magic shows And I love the way in which through a sleight of hand and through various conjuring ticks Magicians make us believe something which really doesn't happen out there and the budget speech was a bit like that And even the budget papers if you look at it on the face of it are a bit like that You really have to look with a you know a magnifying glass With a fine tooth comb to go through it and you'll be able to discover what the spending really is So let's take the broad numbers here and I'm going to round these off so that you can understand them the Every year a budget estimate is made right that the government is going to spend this much this year And by the end of the year a first cut accounting is done that okay We either didn't spend this much or we spent a little more and this is called a revised estimate And then the next year when we get it The third year's budget you see what is called actual which is the final accounting done Now we know that the revised estimate tells us that the government has ended up spending more than four lakh crores than what it had estimated at the beginning of Beginning of 2020 it spent more than four lakh crore which is about 13 percent extra. This rarely happens Usually what happens is that maybe the spending is off by a percent half a percent Never by 13 percent and it's being said that this is because the government gave a huge stimulus last year because of COVID-19 and when you look at it this 4.1 odd lakh crore which has been spent Additional amount which has been spent last year out of that about three lakh crore has gone to only one particular thing and that is food subsidy food subsidy is three lakh crore and You think that okay, that's pretty good. That means a lot of people were giving additional free food. Yes, that's true A lot of people got extra free free food. Yeah, this year we know that was done. That is one of the big Stimulus packages or big support packages that the government announced. However, there is one more thing out there in this three lakh crore Which is a bit of a sleight of hand and oddly this comes from the transparency so-called transparency The finance minister has included did in this budget now. I'll tell you why that's I'm saying that every year Finance minister since at least the last 10 years have been Understating the food subsidy that they actually The government incurs. How does the food subsidy take place? most of it goes through the food corporation of India which buys crops at minimum support price from farmers and then it distributes it to Russian shops at lower rates at very cheap subsidized rates And of course, there's a cost of also holding buffer stocks all these costs if you take into account The cost of buying crops and cost of selling. There's a loss. There's an implicit subsidy that Food corporation is giving which is A large chunk of the total food subsidy of the government In the last 10 years the food subsidy that has been Given to fci which has been released to fci is only 75 percent Of the total food subsidy that as fci has incurred the cost that it has incurred Now rest of it it was told you have to borrow why have finance ministers repeat successively successive finance ministers done it it's simply because It helps them show a lower fiscal deficit. I'll give you one example last year Which is in the budget of 2020 the finance minister announced that the food subsidy To fci the amount that will give to fci will be about 78,000 crore and the total food subsidy will be about 1,15,000 crore right But it knew that the actual subsidy will probably be much much higher without covid Because the previous year already fci's food subsidy bill was about 1.4 lakh crore and it was being given only 78,000 crore the next year Every year fci's subsidy bill goes up by about 10 and a half percent on an average So you can safely say at the very minimum Its actual food subsidy bill would have been 1.5 lakh crore if not more And what was the government giving it half of that 50 percent of that now that is a bit of a Jugglery accounting jugglery which this year this finance minister has got rid of So the finance minister has said that from now Fci will no longer be taking loans it will get full budgetary support The interesting thing is that that is exactly what happened last year Last year's revised budget tells us exactly that As i'm saying the real food subsidy bill would have been about 1.5 lakh crore even if there had been no covid covid has increased that food subsidy bill i would say by about 50,000 odd crores right and it would have gone to about 2 lakh crore Another 1.5 lakh crore was spent by the government was given to fci to get rid of old dues So this has not gone into the economy as current spending. It is just old dues of fci Which were pending which has been given to fci so that it can pay back the loans It has taken from the national small saving scheme So straight away out of this 4.1 lakh crore again I'm reminding you 4.1 lakh crore additional spending Has supposedly taken place this year out of that remove the 1.5 lakh crore straight away Why because that 1.5 lakh crore was going to go Was for previous dues of fci so we are left with approximately 2.6 lakh crore again As i said if i have to compare like to like then i should actually increase The the budget estimate by about 70,000 crore for simple reason Because that was the actual food subsidy bill that was going to take place Which was not going to be paid Now here's the point when i compare those remove that 70,000 crore what are you left with 1.9 lakh crore right Let's go a little ahead and we now have something interesting to look at which is the fertilizer Subsidy the government's fertilizer subsidy bill has also gone up compared to its estimate by more Than 60,000 crore right about 63 or 1000 crore out of that 50,000 crore is reported to have Been paid as previous dues to fertilizer companies these were spent last year they're Just being paid off this year so effectively again no new spending there just a 13 crore So remove that 50,000 crore again what do you have what you have left is Approximately about 1.4 1.5 lakh crore of actual increased spending in the covid year which is A measly 0.7 percent of GDP just a very minor amount has been paid And extra amount has been paid and by the way most of it a large chunk of it one third of it Went to manrega because as you know migrant workers were going back home and they needed Work there was huge unemployment and something had to be done so manrega outlay was increased Sharply so at least 50,000 crores out of that amount went to manrega another big chunk went For increased transport where special trains were run for migrant workers to go home and to move Things so that was another big cost that was incurred by the government approximately again About 48,000 crore or so so here's the key thing to look at essentially there was no stimulus To the economy no stimulus to demand except for a slight increase in food subsidy not Significant increase in food subsidy and paying off previous dues that is last year's Detail let's look at what is being done next year all right again food subsidy to To both fci and the other Distribution systems that we have in which come under the food subsidy act the food security Act they are going to get an additional 1.25 lakh crore this year out of the extra 4.4 lakh crore that is being spent keep that in mind 4.1 lakh crore was supposedly spent yes Last year additional 4.4 lakh crore is going to be spent extra compared to last year's estimates Not actual expenditure in terms of actual expenditure the just 30,000 crore is being Added keep that in mind right so here's the thing out of the 4.4 lakh crore that is going To be spent additional going to be spent next year 1.25 lakh crore straight away is the Additional food subsidy bill and again as I'm saying if I have to do like to like comparison I have to remember that I have to add 70 to 80,000 crore to previous year's budget estimate Because that was the real subsidy food subsidy bill it's only now that the food subsidy bill Is fully being put on the budget so a like to like comparison is an increase of not more Than 50,000 crore so not even that is not 1.25 lakh crore however let me just take it as that Even here a part of it is likely to be more dues being paid to FCI so some of it might not be Actual spending then comes a huge increase in interest payment about 1 lakh crore additional Interest has been paid because the government had to borrow last year even though its Spending didn't go up sharply it had very little revenue taxes fell sharply so it's borrowing Increased and that means additional 1 lakh crore of interest payment right take that these two The addition on food subsidy and the addition on interest payment take care of half the Additional spending that the government is doing half the additional spending is going away Just in that that is an interesting thing to look at a one-time expenditure of 35,000 crore That is being done on the coronavirus vaccine hopefully it's one time one doesn't know whether The government will have to keep spending that every year and it has to be an annual Vaccine we don't know but still it is it has to be treated as a one-time counter measure It's really not building health infrastructure in that sense so therefore take that into Put that into the picture just 62 62% is taken care of Nearly 62% of the total additional spending is taken care of in just three things one is The accounting change in food subsidy not real change in food subsidy keep in mind Accounting change in food subsidy which is making it look like there's additional spending Interest payment because you have to borrow more and a one-time cost of vaccine that takes Care of 60% the remaining 40% which is again less than 1% 0.8 to 1% of GDP additional Spending that we've taken seeing before pre-covid days. I'm not even comparing it to COVID pre-covid Versus now that additional spending is just about a percent in fact less than a percent of GDP That is going to be spent on gel g1 mission which is safe drinking water a little bit on roads which is NH AI and roadworks some of our it is being spent on building a new Kind of an instant financial institution which is a development finance institution and some As a credit line to msme businessman that is all that is essentially the spend new Spending that you're getting which is less than 1% of GDP That is not going to do anything that is simply not going to help revive the economy And if you believe it is going to then you're Deluding yourself if the Modi government believes that the finance minister believes That this is going to help revive the economy then it is actually trapped in its own illusion in The Maya Jaal it has created the truth is that this was a magic show there's been no significant Increase in spending if at all spending has actually reduced on most heads. That's the show For today keep watching news click do like our channel like this video comment on it and do subscribe to our channel as well


So after many many patches that we have had I actually don't believe this still works. What we have here is basically an easy way to get yourself infinite obels which results in you being able to farm aspects as well as get easy, legendaries, gold and XP. Before we go any further guys, this video is sponsored by MitchCactus.com. If you guys are looking to get ahead in Diablo 4, MitchCactus is a great legit online service that can assist you in many many different ways, whether you need all your Lilith statues collected, a full campaign completion, how to get into a certain power level or quick access to a world tier 4, MitchCactus has you covered with over 7000 trust pilot reviews back in this service. This website is linked down below, used called DPJ for 5% off. Okay so this is a farm I posted a while back, way before any of these nerfy patches came into play. And well I decided to test this a game because previously it was the quickest way to get certain aspects I was looking for, for that in-game gear. So how this works for those that do not know is by abusing a method in finding an infinite event farm, an event which 9 times out of 10 is always here and at the same time is so so easy and fast to complete, it rewards you XP, a chest which obviously has that loot as well as those obels. So come to this waypoint on the map guys and make your way down here. Once you are here simply complete this event, once you have simply collect that loot and then fast travel back to that town. Upon you arriving back at town guys you simply re-enter that teleporter and travel back, again 9 times out of 10 there will be another event waiting for you to take part in and you can simply repeat this farm until you are maxed out on obels which is what you want to be doing here, you can then go sell that loot that you've also collected at the same time, from the chest and those enemies that you will be killing and then guys visit that gambler and spend those obels. To farm specific aspects you obviously want to purchase, specific items you know those aspects drop on, in doing this you will eventually see the aspects you have been chasing. This is a method I have used to rack up those aspects and keep many many spares within my stash for when I do eventually get to that better and gain, yeah. So you guys take advantage of this amazing farm which I gained is still in the game for you to abuse. On that note guys, the ended video has arrived, a short but sweet one today, if you enjoyed it leaving a like really helps add to the like what you see and want to see more be sure to subscribe and hopefully guys I will see you on that next one.


Hi guys. Welcome back to the Independent Investor Channel. We're going to jump into the Vanguard sector specialty ETF portfolio. I know this is a touch exploratory.  I do that already. Okay. And this is a cool way of coupling the technology of M1 finance with each of the 11 sectors, right? I think if you invest in the S&P 500 and the whole thing goes up, right, you make money. When the S&P 500 goes down, you'll lose money. I think that this is just a different hybrid way of seeking individualized tailored exposure to each of the sectors. So there is a possibility of having the S&P actually digress on us, but having certain pocket sectors perform. And with this strategy, this allows you to capture some of that performance rather than just put all of your eggs into the 510 companies that make up the S&P 500. And it's an interesting way as well to be able to invest in all 11 sectors and do so with as little as $25, $50 every couple of weeks, whatever it is that you choose, and allow that money to be portfolio redistributed across all the sectors, right? If you had to just invest in the S&P 500 on a traditional broker, you'd be stuck having to put $360 per share at minimum to buy a whole share of, let's say, VOO. M1 Finance takes all that out of the equation and allows you to go ahead and invest in partial contributions to each of the sectors. It divides your money up automatically.  With that, we'll jump into the account and conduct the review. Hi guys, welcome into the Vanguard Sector Specialty ETF portfolio. This is one of the most proud projects that I've rolled out, a little bit exploratory in nature for you guys that have been following me for a long time. I do chronicle this portfolio fairly frequently on the channel. I think there's a lot of people that come in and they catch this for the first time and it's of interest. And for the folks that are returning subscribers to the message, it proves or it serves to be an update to the portfolio, tracking progress. It's interesting enough to see how these sector specialty ETFs perform as a basket all in one portfolio. So for you guys that don't know, this is comprised of all 11 sectors, okay? Technology, industrial healthcare, materials, energy down the line, okay? It's got them all. This is a taxable brokerage account. With M1 Finance, it is completely passive. I've had this portfolio since March 5th of 2019, so just a little over two years of having this portfolio. For a beginning investor, this can mean an awful lot. And I want to bring your focus to a couple of things, okay? If you were looking to invest now, get started in the market. You don't know anything about what the investing opportunity brings. This portfolio, the way that I've built it requires zero energy, zero. Once it's done, I fund this up every couple weeks and I let it go. I have not touched this portfolio for two years. There's no buying and selling in this portfolio per se. The only buying that I do is on a dollar cost average basis every couple weeks. Now I've had a few people come to the channel and give me a little bit of grief about some fund ups here that they noticed on the chart. Absolutely. The great thing about passive investing is that you can monitor the market and when the market is actually down, you can use that as an opportunity to put a little bit more than your dollar cost average schedule would demand every couple weeks. In other words, if you've got a $500 bill or $1,000 bill sitting aside and you see that the market is dipped a little bit more aggressively, you can use that to buy the market. So it's almost as if you're using your account as a barometer of the stock market and when it does go down, you do what most people do and that's panic. Do what's contrary to common thought of panicking yourself out of the stock market and in fact, use that as a buying opportunity. That's point number one. Point number two is this top-end gains here are $4,000. This is serious money for a relatively small portfolio. Approaching $15,000, I started this with a couple grand and it has performed absolutely incredible. It has performed better than I expected it to perform. This was again somewhat experimental in nature and I'll explain that when I get to the bottom end of the portfolio. But for a lot of new investors seeking exposure to the market, a lot of people have come to the channel and of course they want to have problems with the way that I invest my own money, which I find ironic. I really do. Why don't you just invest in the total stock market Ryan and just not do this? Well, I do that. I do invest in the VTI in another capacity, in another account, in my total comprehensive portfolio. This is just what works in this particular hybrid method of seeking out passive exposure in a brokerage account. This is what I do. Well, why don't you just own the S&P 500 Ryan? I do. I do own the S&P 500 in my Roth IRA in a much larger position that is in the Roth. This is not tax protected dollars. Since I already own those avenues or own those assets in other places, this just made good sense to me to really drive home and really embrace the idea of passive diversified assets in a little bit more of a hybrid structure. It's performed well. It's performed well for a couple different reasons. The DCA schedule I've already mentioned. The market has been conducive, so I've got some capital gains here. That's great. But I think the funding and the way that M1 Finance puts new dollars to work in underperforming sectors really cannot be overstated in this portfolio. In other words, when energy was underperforming for those many, many years and months leading up to owning this portfolio and then owning energy into that downturn, new funds were flowing in there constantly with the technology of M1 Finance. No other broker allows you to do that. No other brokerage does portfolio redistribution of funds. I think that really needs to be earmarked as an incredible benefit to M1. I'll quickly mention here the $285 of dividends rendered here in passive income is also not to be understated. Multiple aspects of positive flags in this portfolio that new investors can look at and say, wow, Ryan's really hitting it on the head here. He's talking about dollar cost averaging, capital gains, positive dividends, positive portfolio redistribution of funds, positive. We're up in all 11 of the slices here. And I might just add we are up handily in all of the slices. Okay, even with the downturn in technology and the rotation, right, that rotation is flowing somewhere into the S&P 500. I have my presumptions that it's going into a multitude of different value avenues like financials, energy specifically, utilities, real estate really it's flowing into a lot of those value names, staples as well. I'm seeing some inflow and I'm benefiting because I own all of them. And I think there's a lot of people out there that try to say, you know what, technology is my favorite, I'm just going to own technology and you forget all the other sectors. I think that's a real mistake. And I think that was part of my strategic angle when I started this portfolio initially is that if I was going to own the sectors individually, I wanted to insist on owning them all within the same portfolio. In other words, I was not going to omit a sector. I wasn't going to do that. And I know there's a lot of schools of thought out there that would say, Ryan, you suck. That's a terrible approach.  And I think some of those underweighted sectors in the S&P 500 are some of the best wealth generating avenues that are in the S&P 500. And I think so many people are stuck chasing the top end stocks in the S&P that they forget that sometimes that that that so called junk in the portfolio can actually render some incredible returns. Case in point, good doesn't remain good all the time. And junk, per se, doesn't always remain junk always. In other words, the performing stocks just don't perform good all the time. And there's going to be companies that you wouldn't normally have invested in as an individual company. But by nature of owning them in this diversified method, some of that wealth can be generated from some of the most deepest pockets of the stock market that don't get attention at all. But those can really lift that with the tide as the stock market does improve over time. So just wanted to highlight some of the gains in here. We're doing quite well. It's progressing well. You could split this up in the slices that I have and name them technology health care financials. I actually built this portfolio before I knew how to do that. So admitting that this portfolio is built the way that it is and it's got the slices, you know, in each of the in each of the actual products itself, it really speaks to how insistent I was upon deploying the strategy. But if you wanted to get cute with it, you could actually name these technology slice health care slice financial slice and so on. And then click into it and see the one individual holding in there. I found that to be after the fact not necessary. This does the job the same. And hope you guys really appreciate this update on the Vanguard specialty ETF portfolio. With that, we'll kick you back and we'll conclude the video. All right, guys. So we've come out of the Vanguard specialty ETF portfolio, just a unique way of seeking exposure to the stock market. Interesting enough, you know, anybody can do this. It takes very little to no effort. If that's of interest to you guys, you might want to subscribe to the channel, identify how many other strategies I roll out like this. I invest in the stock market in a lot of different ways, dividend growth, passive speculation, I kind of try to do it all because I think each individual strategy has its own unique benefit. You leave your comments at the bottom of the video, guys, and share the message with anybody out there that has an interest in stock market investing. Bring them on to the channel. Certainly, we provide a lot of different avenues and strategies to seek out that exposure to the market and start wealth building for yourself. Guys, thank you so much for tuning in to the message and good luck in your investment future.


Alright guys, welcome back. I'm excited to introduce the next speaker. His name is Simon Chakras and he is the co-author of The One Diet. He's also a high-intensity personal trainer, a weight loss coach, and a well-being expert. And I had the pleasure of chatting with him a few minutes ago and can't wait to hear more about his speech. So please help me welcome Simon. Thank you Robbie. Welcome back to this afternoon's session.  It's going to be about stress, nutrition and exercise component as well. We're going to look to get all of those in. If you have any questions and I know the Q&A at the end is quite short today, you can get me on Twitter, put the hashtag T21C and I'll do my best over the next few days to answer any questions you have. So a little bit more about me. As Robbie just said, I'm a personal trainer focusing on the hit approach, high-intensity training, working with people typically 20 minutes once or twice a week. I'm a nutrition consultant and out of that has come the writing of The One Diet which is evolutionarily based approach to nutrition. I assume some of you in the audience are aware of that approach to nutrition at the moment and I'm a well-being evangelist. As you can see, I take my role as that pretty seriously. So why am I here today? What we're going to cover is stress and its effects on the mind and body and nutrition, the benefits of eating well and then the exercise component, fitness and recreation and how to build those into your life. So the overarching approach is how to have a balanced life where you can perform at your best in everything you do in your life. The outcomes I'd like to achieve today is showing you how to improve your ability to cope with stressful situations, how to manage and improve your energy levels and that's through psychological approaches, it's through nutritional approaches and it's through a sensible approach to exercise, how to keep yourself strong and healthy in general and a greater understanding of how to care for yourself as individuals. In our working lives, in fact in all our lives, in our approach to dating, I know this conference is focused on dating as well, we need to be fit for purpose and that means our knowledge and our skill set, the skills that we have to use to get our needs met in this life are really important and what equally is important is if we want to perform optimally using those skills is we need to be fit for purpose in terms of our physical and mental well-being. So it's only when we can perform our best, when we're in the zone, when we have that state of flow that we can actually get the most out of those skill sets we've built up over time. Does anybody here have a problem with selfishness? I know you're on Brooke's spoke this morning. This is all about being selfish, looking after yourself, even if you were to say oh you know I really enjoy helping other people, which is a great thing to do and I'd say give as much of yourself away as you can, but first and foremost look after yourself, be selfish, take care of number one first and then you'll be able to take care of business, you'll be able to take care of everybody else around you. Is everybody clear with what we're going to talk about today? Are there any questions so far or suggestions as to any of those areas you'd like me to particularly focus on? If not I'll carry straight on with the first section which is stress. There are three main causes of stress and distress in our lives and the first one is change. When we have a situation which is causing us to become aware of circumstances that we're not used to that can create a stress response in us. If somebody's not used to approaching women that situation can be stressful. If you lose your job that situation can be stressful and what I would say is have an open mind towards change because change is inevitable in all our lives. It's going to happen and the more open and receptive you are to change the more free flowing and able you'll be able to cope with anything that life throws your way. So for instance if you were to lose your job some people could look at that in a very negative way and get upset about it and get into a state of depression whereas what I would encourage you to do is look at that as an opportunity. It's an advantage for you. You've now been given a whole lot of freedom to take your lives in the direction you want them to go in. A second cause of stress typically is increased demands. When we have greater demands put on us and in the workplace that might be your it's coming up Friday afternoon and you're suddenly told you've got to get this project finished tonight. The client needs it by the end of working day to day. Suddenly the demands on you have dramatically increased and if you're in a state where you've been looking after yourself building up to that you will be able to perform optimally still even under those circumstances. However somebody who's not good at managing their stress or looking after themselves is going to feel that and they will run themselves unfortunately into the ground over time. And the third major cause of stress is decreased resources. Again if we look at the workplace a friend of mine recently is working for a company and he lost his PA. Suddenly he's expected to do all the work that his PA was doing for him in addition to the most important parts of his role. Now that's adding a lot of stress to him and luckily I was able to show him some techniques that enabled him to get through that. Is everybody aware that there is both positive and negative stress? Anybody? Have you heard of both of those? Excellent. Well if we look at stress as a curve stress can be like a really positive thing because when we're put under pressure we start to perform optimally up to this state of you stress which means performing at your best. If we have nothing going on in our lives we're going to be down here we're going to be bored we're going to be tired. When we move up taking appropriate goals on board we're going to have excitement we're going to have fun and we're going to have pleasure in our lives. However if we remain in that state for too long we go over a tipping point and the stress starts to get to us and we're going to at this point here at the top just just past our best and not quite perform as well as we can do. If we keep going which can be a strong tendency for some people I know for myself I can be sitting at the laptop writing and I will just find myself writing and writing and writing and after a while what happens is I suddenly find I'm researching something completely unrelated to the subject that I'm studying and I'll spend maybe an hour lost in that space whereas if I'd have gone okay you know at this point I'm starting to get distracted let's take a break let's take about 10 15 20 minutes and go for a walk get some fresh air meditate take it easy I will come back in 20 minutes time and I will be back probably around about down here ready to ramp back up into this place and I can eke more out of my working day by doing that. Some people unfortunately continue way past this into a state where they've run themselves down into the ground and unable to perform anywhere near optimally in fact they may well be making themselves sick opening themselves up to catching bugs, flus and generally being unwell and not at their best so what I would encourage you to do is to stay in this zone around about here and when you find yourself peeking over there do the kind thing for yourself bring yourself back down to here and ramp back up again manifestations of stress if we have if we're on that far left hand side of the curve as it was and we have insufficient stress our lives are unfortunately going to be filled because the mind abhors a vacuum they're going to be filled with boredom and frustration and lack of stimulation and challenge when we have optimal stress we have that manageable balance and again if we go beyond that onto the far right hand side of that curve we've got distress ill health breakdown and mental crises and overcompensation not a place any of us won't spend too much time some of the symptoms of stress up there I'm sure everybody can relate to at least a few in there the solutions very first solution is awareness it is about catching yourself at that place just before you push yourself too much and go too far and it's a skill that's quite a challenge to develop but the more in tune you are with your body the more you eat well the more you approach exercise from a sensible perspective the more you're aware of your surroundings and how you feel and how you're interacting with others around you will increase your degree of awareness as to your performance and I would say when you become aware of yourself starting to dip take yourself away give yourself some time for yourself and there are many many ways that you can look after yourself and here are some of them physical relaxation so that could be anything gentle whether you want to go to the park and play some frisbee whether you enjoy something very slow very controlled like tai chi whether you do some yoga I would say high intensity training is a little bit different from that because high intensity training is a strong stress to the body what it will do high intensity training we'll talk a little bit more about that later is create a hormonal balance in you over time so long as you don't over train where you'll actually have more energy and more in the muscles to give but maybe find some ways you can physically relax whether it's grabbing the bike going out for a 10 minute bike ride what I do for myself is I really enjoy walking I enjoy the parks around London I'll get out if I have 20 minutes I'll take a 20 minute walk and just observe nature I'll breathe I'll observe people around me and I'll let all thoughts go out of my head relating to work and any areas of my life that may be causing me stress there are times when it's just essential to switch off breathing techniques we'll go on to mental relaxation we'll go on to as well power napping I'll just say a little bit about it because it's the guys taking a nice power nap there on the slide you only need to take five ten minutes to just sit with yourself close your eyes find somewhere you can be at rest at ease in comfort where people aren't going to disturb you maybe even put some headphones on even if there's nothing playing so that people think oh you know he's otherwise engaged right now close your eyes and just take that time a 10 minutes power nap in the mid afternoon for me or a meditation means that I can be as productive in the afternoon as I was in the morning it really does prolong my working efficiency and effectiveness by about two maybe even three hours and it can only be 10 to 20 minutes of rest breathing is absolutely essential and it's one of those things that we're all doing right now however many people especially when they're under a degree of stress are not aware of how their breathing patterns are and what can happen is we begin to do shallow breathing where it's just into the chest so you're only filling about a half of your lungs with the potential oxygen that they could be taking in and when you're doing that you're depriving the brain and the body of oxygen and you're putting yourself physiologically into a stress state by default it's almost like stress is breathing more stress correct breathing provides energy it drives the nervous system is the key to relaxation any form of relaxation breathing is the key I can alleviate high blood pressure and virtually every health condition and human activity is improved by effective breathing so if we don't know how to breathe properly or can I can I just get a show of hands as to people who have been aware of their breathing or are aware of their breathing or people who have never given that consideration okay that's great to see quite a few hands going up there and the key to breathing effectively is to breathe down into the belly you're obviously not breathing into the stomach you're breathing down into the deep lungs but what ought to happen when you're breathing correctly if I put my hands here is the stomach expands often what you'll see with people who are in a stress state is they're breathing and when they breathe in the chest goes out but they're not breathing right down here when you breathe correctly the stomach will relax and allow more space for the lungs to take in a greater amount of oxygen doing that alone when you're when you know you've got a presentation to give when you know you're going to approach somebody for the first time doing that kind of breathing for two or three minutes before that you engage in that can be really helpful and really beneficial to allow you to be just in that really relaxed state where your inflow where the best part of your personality is going to shine and come out and you'll just get to enjoy that experience more by doing that okay solution four is one I am a big fan of and it's meditation and it took me till I got into my 30s to really appreciate that meditation was a beneficial thing to be doing before that I kind of had this perspective of it as a really esoteric sitting cross-legged much like this lady is here on a mountain top somewhere becoming some monk type figure meditation is doesn't need to be like that if that approach works for you fantastic go ahead and engage with it what works for me is just simply sitting in a comfortable chair closing my eyes and focusing on my breathing what will happen if you're not used to doing that or you're not used to sitting still is that thoughts will come racing into your head you know I've got to phone my girlfriend later I've got to do that for my boss I've got to get this organized all of those things will attempt to come into your mind space during your meditation if they do that's completely fine allow that to happen but also do not grasp onto them let them go at the same time so if a thought comes into your head let it come in and let it go out without attaching with it without engaging with it whatsoever otherwise you're just spending time daydreaming or thinking still and those two states will ultimately exhaust you what you need to do is just focus on your breathing and when I started off meditating I started off meditating for two minutes at a time and it was awesome but I could sit still for that long at that point because I was so physically active and energetic to keep moving that I found that huge challenge other people might be fine and for the very first time they do it they might sit down close their eyes 20 minutes goes by and they feel at ease and comfortable with doing it so what I would suggest is if you're going to begin to use meditation do it for between two and five minutes to start off with and over a period of days and weeks build it up I have a an approach that I've taken for the last two years which is I meditate for 24 minutes a day one minute for each hour of the day and I'll do it usually mid-afternoon and I'll take a seat focus on my breathing and again when I come out of that statewide I'm ready to go I'm ready to give my afternoon my evening everything that I'm capable of so if there are any people who've been skeptical about meditation in the past there's loads of great research on it and it does a lot for you both physically physiologically and psychologically and mentally it will put you at your best and I'd encourage you if you are a skeptic to go and have a look at some of the research that's been done on meditation I can point you towards some if you're interested in that afterwards and it is one of those things that I have made now a discipline in my life like brushing my teeth like doing my high intensity exercise it's one of those things that is an essential discipline and I wouldn't want to have to live without that another solution to stress we're going to move slightly more on to the psychological approaches to stress now and first of all do you remember the first stressor we said the first condition that causes stress is change for most people and having a positive attitude to change is essential it is the one thing as I think I said earlier that is inevitable in our lives if you're opposed to change you're going to get left behind in fact the only time we don't change in our lives is when we're dead so be prepared for a lot of change in your lives up to that point and fostering a positive attitude to change dealing with circumstances as they arise and learning to know that you are going to be okay you are going to be able to deal with this is really important that moves on to positive thinking which is easier said than done in some ways because we can be caught up in our own subconscious psychological beliefs about ourselves and they may hold us back uh from having a positive attitude at times particularly when we're under stress it's when we're under stress that the worst side of our characters will often come out you know we might get grouchy we might get grumpy we might get aggressive some people get manipulative and it's important if you catch yourself going to that place to keep positive to keep thinking about what you can provide what you can do for yourself and what you can provide other people positive self-talk it is something that is covered in a lot of sort of self-help psychological books and I would encourage people to do it and to give yourself some positive affirmations the thing I would say with positive affirmations is that they can be really dangerous if you don't actually believe in them so just saying to yourself I am fantastic with women if you genuinely don't believe that about yourself is not going to help you because there's going to the mind will see a distance between what you're trying to tell it and reality so in those circumstances what I would do is pick an occasion in your mind where you have been effective at doing something so let's say it's I can approach women on the street and you've had an example where you have done that in your life in the past pick that example and say I can do that so you're visualizing a successful moment that you've previously had in your mind from your past then a positive affirmation will be rooted to reality in your mind and it can be beneficial and that repetition creates that same state that you had at that point in the past I'm not afraid to say that I really believe in mentoring and if you cannot relate to my success the guy who's my mentor was working with somebody who is two years ago was completely unemployed and in the last six months they have won a BAFTA so they went from being unemployed to having a BAFTA award which is a pretty big deal I would encourage all of us at some times need an outside perspective it's really good to be able to be self-motivated self-driven at times we need that outside perspective that will give us okay if I just change this angle a little bit here and move in that direction I can get to that place having a good mentor can be something that really drives your life forward in a new direction but your own mind may not have been able to take it in at least at that time or at this time so that's something I encourage you to look into solution six I'm a really big fan of goal setting for any area of your life that you consider important set goals set your first important priority what is it I'm looking to achieve in this sphere what do I want to have happen and make those goals time-ban now my luckily my co-author with one diet has written a book called change directions which I would encourage you all to read which is a goal setting process that covers goal setting from every single angle the mind doesn't work particularly well when it isn't effectively directed if it doesn't know what it's going for it will just grab what's near what's available what's easy what's convenient if you genuinely want to drive yourself forward you need to set a stretch goal I would say don't make those goals unrealistic to start off with you know saying if you're you know living in a bed sit and saying you know I want to be a millionaire by next year that could be a valid goal but have some structure to that to back that up the direction you're going to take drill down in all your goal settings so you really know what approaches it is where you're going what you want to have happen if you do that the likelihood of that goal coming true for you is far greater and when I first read the manuscript of change directions which was about three years ago I said my goal was I want to write a book and a year and a half later that had happened for me so set a goal for everything important in your life it can seem a bit of a challenge at times to have to sit down go through that process but if it's important enough make it happen time management is another area that can help minimize or allow you to stay in control of your stress and there's just some really simple tips up there make lists I'd be pretty lost about a list I make a list pretty much the last thing before I go to sleep at night and when I get up first thing in the morning I know okay that's number one two three four five other things may come up in the day and I might have to make some phone calls I wasn't expecting to make and it froze it off a little bit but in general I'm moving in the right direction and without that list I wouldn't be as productive as I can be work efficiently and that goes back to that laugh occur we saw earlier make sure you stay in your optimum state of energy and focus and if you find yourself tipping over that you're starting to look at those YouTube vids for too long and you're getting distracted from the work in hand that you're looking to do take yourself away do something that's going to refresh you rather than drain more energy out of you always be decisive if a decision doesn't need to be made say okay it's out of here for now that's not something I need to focus on but in any decision that you do need to take action on make it quick and I'd rather make a hundred mistakes than sit there festering being concerned about a mistake I might potentially make I'd rather clock up those mistakes and move forward in my life and that makes things easier don't be afraid to ask for help you know if you need help part of being strong is being able to open up and ask for that support ask for that help and I find when you do that you are encouraging your you're encouraging people into your life or encouraging energy into your life things that will again lift you up and take you forward utilize dead time just make the most of the time you have available to you if you're going to rest if you're going to take it easy say I'm a I'm setting aside this time to rest now and it's two hours it's three hours it's half an hour whatever it is and stick to that and then come back and get focused on what you're doing again prioritized that goes back with writing lists really focus on what is the first important priority what is most important for me to be doing with my day today what is going to create the greatest change or the greatest move forward in my life take regular breaks I think that you can work for between it depends on the individual a little bit but between 30 and 40 minutes in one shot you can work really effectively for after that point it would be a good idea to take anything between a five and ten minute break and then start another round another cycle of 20 to 40 minutes of focused work you'll get far more done than sitting there stewing trying to come up with stuff when it's not flowing be prepared delegate I'm a big fan of delegation whenever you've got roles little bits and pieces that you know are not massive priorities to you if you know people around you who can do that or that is their skill set hand that stuff over to them and have a reciprocal arrangement with them so they can hand over stuff that's more in line with what you do when it comes to that learn to multitask as well I mean it's a it's a joke but guys don't multitask but actually most of the guys I know are capable of multitasking have a few things on the go at any one time don't put your all your eggs in one basket we're going to move on now to more behavioral patterns and how to approach interpersonal relationships and this is part of a much bigger course but I'm just going to focus on the positive today rather than run you through the negative stances that some people can take particularly when we're under stress or stress or pressure so the assertive stance which is the stance we're looking to take in our lives in general means as an individual that you're fair and just in your interactions with other people you know you're not looking to get one over on people if somebody's looking to abuse you you put a halt to it very quickly but in dealing with people who are reasonable people always aim to be fair and just negotiate workable solutions with people around you rather than just bashing heads find the common ground and see what you're able to get out of that relationship rather than just cutting it off before maybe you've necessarily extracted all the benefits you could have done from that relationship there are times when you do need to be able to take personal decisions unaided by others and that doesn't take away from the point I made about mentoring earlier what it means is there's a lot of your life when you need to have that ability to make a quick decision and as I said earlier again I'd rather clock up mistakes and learn to be decisive in that process than hope for perfection and put off making decisions obviously avoid being fearful of expressing your personal needs and emotions uh some people can hold that stuff back and what it's going to do is just eat and eat and eat away inside of you until you're going to explode in some manner whether it's physically or psychologically the key thing to do is learn to become comfortable with expressing those feelings those emotions with particularly with the people who are close to you in your life the people who you consider important in your life um if situations stressful situations of conflict do arise learn to remain calm remember that breathing technique focus again in on your breathing stay in that state where you're not going to be the one who flies off the handle you're actually going to be the one who can steer this situation in the direction that you want it to go in um again always that respect for others even in those circumstances and a mindset that that my mental passed on to me which I really have found very beneficial is to never look at yourself as less than anybody else and net so inferior and never look at yourself as superior to anyone else we are all equals we just have different skill sets different abilities network different stages in our lives and our development everybody however is equal and I look at everybody as equal and I find that a very beneficial mindset to carry around taking that assertive stance into negotiation situations again it's that focus it's about learning to act now rather than delaying things and putting them off till tomorrow or getting stuck in a decision making process in your mind where you're just stuck in that loop and it's going around and around again make a decision take an action if you need to roll a dice you know one and three I'm going to do it four to six I'm not going to do it at least that will create forward movement for you stay focused and controlled I'm just going to run through these quickly because a lot of them relate to the previous slide as well be direct and specific when you're talking with people get across the message you want to get across be certain of your facts if you're going to state something as a fact be sure that you're right because you don't really want to end up with egg on your face later on and that would degrade you in terms of in terms of the other persons or the other people's opinion of you be polite courteous be persistent if there are people getting in the way of your goals of what you want to achieve stay focused stay strong and stay persistent in getting your needs met avoid harboring grudges you know if somebody's in your life and they're not working if you're not for me you're against me and if you're against me I don't need you in my life so cut out the dead wood that can be a challenge to do to start off with but really you're by allowing your mind to focus on and have those people in your life they're taking up a space that could be filled with people who could be a lot more beneficial to your life and just holding on to relationships friendships but aren't serving you is actually not going to just keep you in the same place it's going to hold you back and pull you down don't get sidetracked from where you want to go and never grovel or apologize you are who you are if you make mistakes you can admit to those stakes but you don't have to apologize for your behavior in those circumstances here's another tip and it goes back to that superiority thing or inferiority thing is avoid judging both yourself and others and that can be a really challenging thing to do to start off with what you may notice about yourself is when you're observing people or you're meeting people for the first time you might hear a negative statement in your mind about that person unfortunately all judgment and criticism is self-judgment you're judging a part of yourself in that other person that's the way the mind works and if you can avoid that happening if you can retrain your mind well the way I did it start off with about 10 years ago now was that anytime I had a negative impression about somebody I had to come up with two positive statements in my mind immediately after that negative statement to correct it your mind gets pretty bloody tired of doing that if you have to keep doing it it's a great way to retrain your perspective and we'll move on there are some words in language but we either use verbally or in our minds but are really toxic to our progress and they're words that I would encourage you to look to avoid using so don't ought should must but try wish and hope are words that are of no benefit to you whatsoever I can have hope for somebody else because I can't control that it's outside of my control but I never hope for something for myself if I want it to happen I want it to happen and I would do my best to make it happen but I'm not going to hope for it it's like saying I'm going to try high intensity training if you prompt your mind with that suggestion but you're going to try something that's all it's going to do it's going to try and try is a very weak word whereas if you say I am going to do it you're giving your mind a direct instruction the issue of words like don't is the mind doesn't work particularly well with negatives so if you say I don't want that to happen all the mind is really hearing is I want that to happen you're setting yourself up for something that you don't want to have happen to happen we could go into loads more detail about this but for today I just want you to be aware that there are words that you may some of you may or may not be using and cleaning up your language can be of great benefit okay so we're going to move on to the nutritional aspect of the talk now and nutrition relates to stress because when you're feeding your body well and correctly you're providing your body with more energy more usable energy and perhaps even more importantly you're providing it or avoiding providing it with anti-nutrients which are going to slow you down make yourself slipping into that stressful state far more easy to happen the book that I co-authored the one diet comes at nutrition from an evolutionary approach and I assume that some people in here are aware of paleo evolutionary approach to nutrition can I see a show of hands for people who are aware of that approach and people who are currently engaging with that approach as well okay so from about three million years ago to today as a species to about ten thousand years ago which is about 99.6 percent of our development and our DNAs development our diet consisted of meats seafoods fresh fruits and fresh vegetables those really are the foods our bodies are designed to thrive and perform at their optimum on conversely nowadays cheap ingredients are undermining our health the more we've become removed from the food chain and awareness of how food is produced and what food can do for us the more ingredients are slipped into our diets that are of no benefit and no help to us whatsoever and primarily those are rapidly digested carbohydrates grains sugars and sweeteners which are pretty much prevalent in anything that comes pre-boxed in a package that stuff is loaded with cheap ingredients which makes a lot of sense for the manufacturers because they can sell something with a high profit margin unfortunately it's doing us as a society and as individuals even more importantly a disservice and you have an issue which is of greater importance in the states but is creeping into our food here chemically altered sweeteners like high fructose corn syrup which from an evolutionary standpoint we have no experience of our bodies do not know how to handle and they've been in the food chain for just 20 years tiny tiny amount of time this is a quote from Lauren Cordain who wrote one of the probably the first book on paleo nutrition or the first one in in our era at the moment and he says generally in most parts of the world whenever cereal based diets were first adopted as a staple food replacing the primarily animal based diets of hunter-gatherers there was a characteristic reduction in stature an increase in infant mortality a reduction in lifespan span an increased incidence of infectious diseases cereal grains are packed full of anti nutrients things like gluten things that cause our body major dysfunction and in terms of physiological stress they're keeping us in a state of inflammation we're not going to be able to perform at our best if we're taking in a lot of this kind of stuff now some of us may have metabolisms which can deal with this more efficiently than others however you're still not providing your body with the best energy if you're regularly taking on food like that modern fats vegetable vegetable oils are to be avoided that includes margarine fat shortening anything that's been tampered with hydrogenated fats we've been through some ridiculous chemical process to produce that fat is not going to be of any help to your physiology whatsoever so avoid oils made from vegetables grains and seeds there are exceptions unrefined virgin coconut oil and olive oil are acceptable fats i'd rather the coconut oil because it's a saturated fat rather than the olive oil but both are acceptable and aren't going to cause dysfunction to our bodies saturated fats i'm just going to pop this up here quickly have been maligned by science by the media for a long time now they are not an issue about 70 percent of my diet is saturated fat 60 to 70 percent is saturated fat then protein and then carbohydrate the brain the most creative organ the thing that separates from the rest of evolution the rest of the animals on the planet is 50 saturated fat our nervous systems cannot function efficiently without saturated fats it's rich in the crucial vitamins ad and k2 which most people now living nowadays do not get enough of and there's no need to supplement with those with the exception of d because we get it from sunlight typically um and most of us don't get enough sunlight particularly in the northern hemisphere in the uk where we are we can only produce vitamin d from the sun uh in about three months of the year if we're lucky with your experience in the british summertime at the moment you'll know you're getting vitamin d and is not the easiest thing uh the guys who live over in california you know you're a lot luckier with that uh just an interesting stat from a bit of research that was produced is that consumers of margarine have twice the incidence of heart disease compared to butter eaters cholesterol again has been maligned by science uh it actually helps boost our immunity to infectious diseases it increases the strength of the intestinal war and it aids in the regulation of blood sugar and systemic inflammation systemic inflammation from a nutritional perspective is probably the greatest stressor on the system from the anti nutrients that we're taking in the in the typically modern diet and the liver produces around about 1200 milligram milligrams of cholesterol every day if we eat more cholesterol in in our food stuffs it will reduce that if we eat less it will increase it so whether you like it or not there is going to be cholesterol floating around your system the whole time and it's a very protective steroid uh some more research that was fascinating as i was writing the book is that older people with high cholesterol levels outlive those with low cholesterol levels in their blood and people with low cholesterol are twice as likely to have a heart attack when compared with people with high cholesterol readings it's kind of a reverse of what many of us have been taught over the years omega six and three of a polyunsaturated fats uh typically we're getting in a lot of omega six and not enough omega three uh six comes from those oils i was mentioning to look to avoid which are the vegetable grain and seed oils oily fish and meat raised on pasture so beef lamb etc raised on pasture provides us with omega three there are some of the problems again that systemic information inflammation blood thickening increased risk of chronic diseases risk of cardiovascular disease all of those are primarily attributable to an excess of omega six we need some omega six in our diet but it needs to be in balance with the omega three uh and the simple way to do that is to eliminate vegetable grain and seed oils artificial and man-made trans fats which are in any prepackaged meals they're always or likely to have those in uh and excess carbohydrates and then if you consume meat pastured or organic eggs and oily fish once or twice a week you're going to be providing your body with uh in all likelihood a decent amount of omega three the one diet do eat protein and fat so that comes from the animal sources primarily which are the meats anything is anything is good in terms of meat but the better it's been raised and reared the more organically it's been raised and reared or at least uh free range the better it is because of the profile of the fats in the meat but if you're on a budget the best options to stick with if you are on a budget and you can't afford organic and free range is to go with beef or lamb because the fats in beef or lamb are not so affected by an unhealthy upbringing of the animal um vegetables and salad fine healthy fats we've talked about in a little bit more detail and healthy snacks um if you're okay with lactose if you're okay with um dairy proteins cheeses are fine whole full fat cream coconut milk absolutely fine fruits in moderation i'd say if you're looking to lose weight hold your fruit consumption down to about one piece of fruit a day if you're happy with your weight that can go up two three pieces a day uh high quality cured meats continental sausages and cold sliced meats are beneficial snacks rather than having to go to that sandwich bar for lunch time you can grab some salami something about nature and uh nuts are okay don't go overboard on them um but it's a quick snack a handful of nuts can be beneficial too and to avoid grains sugars and sweeteners the unhealthy fats any altered fat level product so anything that's semi skimmed anything that's been tampered with to moved away from nature i would say avoid fruit juices veggie sugar water essentially uh junk food is an obvious one uh processed meat where it's been filled out with sugars or carbohydrates needs to be avoided as best you can and high carbohydrate alcoholic drinks alcoholic drinks but work uh uh red white wine and the spirits are far better depending on the mixer you use with the spirits if you can take this information away today and eat like this 80 of the time you're going to put yourself in a really good place um and then allow yourself if you need to that freedom to have the indulgence is on the night out that if you eat right 80 of the time your body in all likelihood so long as you're not dramatically metabolically damaged we'll be able to cope with that intake of food i'm going to skip over this section because we're running out of time but there are three body types you can't change your genetics you can optimize your personal genetics but building on that there are certain traits within our DNA that can be turned up like a volume switch or turned down through correct exercise and nutrition so you can to a degree affect the change i'm going to move really briefly now in the last two or three minutes on to exercise i'm a big proponent of high intensity training i know anthony is as well so i assume a lot of you guys have seen some of videos uh the 21 conventions already put up from Doug McGuff i'd encourage you to read body by science by Doug McGuff as well it's an excellent introduction to high intensity training uh you only need to exercise for 15 minutes once or twice a week to get everything that you can from exercise and a really simple routine would consist of the pull down to the upper back and the arms leg press hips thighs quads hamstrings adductors adductors uh calves we're all getting hit there um chest press chest deltoids triceps row it's a pulling movement through a horizontal plane rather than the pull down which is through vertical plane and one more exercise but i haven't gotten here the overhead press that's essentially the big five routine if you're looking to start off high intensity training that's the routine i'd encourage you to start with uh you're getting the biggest bang for your buck you're covering all the essential muscle groups and by doing a set that lasts between 60 seconds and two minutes and reaching fatigue in that time frame you are doing everything you can to switch on the body's growth processes okay uh i'm not going to go through the benefits now if anybody wants to talk more about high intensity training or twitter me i can get back to you with more information uh recreation is also important in addition to high intensity training so do things you enjoy be aware that every form of exercise has a risk reward ratio uh just be accepting if you're going to do something like skydiving of the dangers uh or if you're going to do marathon running be aware of the impact it's going to have on your joints over time if you're okay with those risks and you enjoy it carry on and do that stuff as well uh exercising the brain uh stimulates this is beyond the physical benefits of exercise it stimulates the creation of new neurons it protects existing neurons promotes learning and memory and reinforces neural connections so beyond the physical uh internally in our brain chemistry exercise has a function as well the outcomes from today's talk um i hope you've learned to improve your ability to cope with stress key point there is awareness how to manage and improve your energy levels key point there is to eat a high fat moderate protein and moderate to low carb diet based on evolutionary principles keep yourself fit with high intensity training first and foremost and then enjoy your recreation time as well and a greater understanding to care for yourself be aware of both your psychology and your physiology to get the most out of your life and some recommended reading stress management by myself and george phillips the one diet or for those who don't need all the science the one diet in a nutshell body by science and the goal setting book i mentioned earlier changed directions uh thank you if you want to get in touch with me there's my details i'll be happy to uh field any questions now you mentioned uh being aware of breathing when you're um kind of working in stress and i've i've kind of noticed that i do sometimes get shallow breathing in a particularly stressful situation but it's very difficult to stay focused on that and continue to to do something else so how do you kind of keep that so it needs to become a pattern ingrained pattern first so what i would encourage you to do is just to take some time um ideally if you know you're going to be going into a stressful situation whilst you're on the tube in your car or you're getting yourself walking to that meeting or whatever is to focus on your breathing and focus on breathing deeply by saturating the system of oxygen even before you've got there it's going to encourage you to um stay relaxed in that environment when it comes about um and by doing that repetitively you're going to be developing that skill of breathing in that way and ultimately will become natural for you to do that even under stressful circumstances so it's like build up that pattern anybody else over here hi uh coming from a paleo uh uh diet for about a year now i've recently seen some evidence that perhaps carbohydrates aren't so bad if they come from the right sources particularly stephan guy in it i don't know if you've heard of him um so what what are your options on that because okay because i've reintroduced you know potatoes and sweet potatoes and have seen some benefits so i was wondering what your opinion yeah so for people who are not metabolically damaged who haven't got metabolic issues with massive amounts of excess weight i think that certain carbohydrates can be uh happily introduced into the diet white rice sweet potatoes even regular white potatoes too um to a degree and they can even make up quite a decent amount of your diet as well they they're very low to non-existent in anti-nutrients um so from that standpoint they're fine for you particularly people who engage in a lot of physical activity they're going to be beneficial because they're providing more energy so i i have no problem and encourage people to use those who are not metabolically damaged who don't have dramatic amounts of weight to lose james um i was going to ask you actually about a controversial topic your ideas on the food reward uh stuff going around the paleo sphere at the moment but instead of um as you kind of touched on the um the more uh sort of recent ideas on reintroducing safe starches and things like that um would you be able to expand more on what you said about with regards to stress um and you said about change being a really big source of stress changing people's lives um could you expand more on um some of the potential kind of physical and health consequences from change in someone's life and what what that could have with regard to someone's health uh yeah anytime that you're um putting an x stress excess stress on the system is going to be damaging either psychologically or physiologically over time uh there was a slide that i took out of today in in uh minimizing this about acute and chronic stress acute stress is something that happens uh in the moment um whether it's physical and we we get a cut to the arm or whether it's psychological or stressful situation we're posed if it's going to last five minutes and the body can recover from those really well what it doesn't recover well from is chronic stress that's ongoing um and that would be if you repeatedly damaged your arm or you were constantly felt under stress and by the way it doesn't matter whether that's real or imagined psychologically both have the same impact on our system um and those that slide that i put out that had all the uh sort of consequences of that uh a sort of physical manifestations of that what we are looking to avoid is being in a chronic chronically stressed state um on an ongoing basis short doses of acute stress can be beneficial for us like high intensity training for example um does that does that answer your question and we're there so thanks for your time and attention guys and enjoy the rest of the conference


Hey guys, what's up? It's Andy Elliott. I'm back with some Bad Boy Mad Objection Handling. Here with my boy, Ryan Bryan. What's going on, everybody? Guys, check this out. Obviously, you guys know Ryan. You might have seen previous videos that I put out with him on overcoming objections or role playing. Bottom line is, I got seven good ones for you today, okay? Let's not make it too long. Let's get some paper. Let's get a pen. Let's write it down. Let me go over what I'm gonna go over with you and then I'll have my man right here. Let's see if he breaks and we'll have him overcoming, okay? All right, so number one, it's gonna be objection handling 101. I picked seven. This is gonna be, I was only interested in the car you just sold. How many people say, I was only interested in the car you just sold? On the phone or on the line? Guess what? He's gonna handle it, okay? I'm just wasting my time. I'm not here to buy anything. We hear that all the time, right? Just wasting my time, bull. I'm gonna show you how to handle it. I like the car, but the miles are too high. This means that there's not a switch unit, okay? Guy comes in, maybe he came in to look at that car. Just decides, hey, you know what? I think the miles are too high. I want something a little less on the miles. You don't have a switch unit. How do you close them and get them to take that car? We're gonna teach you how to do it, okay? All right, thanks for the test drive, but I'm just looking. All right, you know, give me your car. Guy's gonna handle that. My bank offers a better rate. This is gonna be one where like, we can't match your rate, okay? Your bank can truly get a better rate. How do we get that customer to pay a higher rate with us? We're gonna give you a war track to use, okay? All right, number six, I don't want to pay 21%. Hey, by the way, that could be, I don't want to pay 15%. Bottom line is someone saying, I don't want to pay a rate that high, okay? Take this, we're gonna use, I don't want to pay 21%, but we're gonna use this, I don't want to pay a rate that high. Next time someone says that, my man's gonna give you the war track for it.  How quick can a salesman go rusty? Sometimes a Wednesday, sometimes like that. You gotta role-play at least 20 minutes every day, okay? All right, and I don't want a car payment, my car's paid off, that's a good one, right?  I'm gonna do something for you before we start. I'm gonna give you my cell phone right here. It's<PHONE_NUMBER>. You see that?<PHONE_NUMBER>, right there. Andy Elliott, you guys can shoot me a text message. Yes, that's my real cell phone, it's right here. You can text me, guess what? Anything you need, I got you.  Reach out to me, I'll help you, okay? With that being said, let's go ahead and hit my man right now with some objections, let's get the ball rolling. Okay, cool, so. Hey guys, it's Andy, I hope you're enjoying the video. If you are, please like and subscribe below. Also, click on the link below, join me in a free strategy session. I'd love to help you set up a game plan to crush it. Let's get back to the video. Hey Ryan, man, look, I'm looking around, dude. Honestly, I was just only interested in the car that you just saw. Yeah, so when we put these cars on the front line, they sell very fast. The car you were actually asking about and had some scratches on the rear door panel, if it was available, I would've told you, it's probably not your shark's pick. But let me ask you this, if I could show your newer vehicle with lower miles that was actually a bit of price range, would that upset you at all? No, that wouldn't upset me. Great, so you're pretty much open. You just want to find something similar and get a great deal, am I right? Yeah, let's try it. Fantastic, I got hundreds just like them. I'll walk through them with you and then the end, it's completely your decision. Is that fair? Hey, good job, dude. Hey, that's a nice war track. It's a good one, baby. That's a nice one. By the way, could we use that same war track on the phone? Yeah, absolutely. On the lot or on the phone? Hey, do me a favor. I want you to do this, okay? Slow down. Okay. War tracks are meant to be tattooed on your heart, am I right? Right.  But most people can't handle objections that way because they really don't know it because they're winging it. Would you do me a favor? Slow it down. Just slow down the war track. I was only interested in the car you just sold. Say it, too. So when we put these cars on the front line, they sell very fast. The car you were calling about or asking about actually had some scratches on the rear door panel. Look, if it was available, I would have told you it's probably not your sharpest pick. But let me ask you this, if I could show your newer vehicle with lower miles that was actually in a better price range, would that upset you at all? And they're always gonna say no. Or they say, yeah, that would upset me. No, they're gonna say no and then you say. Great, so you're pretty much open. You just wanna find something similar and get a great deal, am I right? Right. There you go, that's it. That's how you overcome it. I got two yeses. The sale can't be closed until it's open. Now just reopen their mind. There's a war track that's the power of training. All right, let's move to the next one.  Hey, so Ryan, so let's have walking on the line. Hey, let's say I'm walking out of service. All right, I'm walking out of service, okay? I'm walking out to one of the vehicles and Ryan walks out to me and says, hey, what's up, Andy? I say, hey man, Ryan, I'm just wasting my time, man. I'm not here to buy anything, got my car in service. Yeah, I'd say, look Andy, obviously there's a thousand different things you could be doing other than looking at vehicles today. You being here, checking these vehicles out, lets me know you're not 100% satisfied with the vehicle you drove up in. What is one thing, just one thing you could change about your current vehicle you don't like right now. Now I'd probably that it don't have a sunroof if there was one thing. Great, so if we could find one with the sunroof and actually keep your payment about the same, is that something you would consider today? If same payment? Yeah. Oh, sales opened. See that? Hook em. Guys, I'm wasting time. I'm not here to buy. He says, hey man, I get it totally. I understand, by the way, we always agree first, right? Look, if you don't agree with the customer we don't have anywhere to go. Hey, I understand, totally get it. However, right, however, if you were here, right, there's lots of things that you could be doing. It shows me that you're not 100% satisfied with the vehicle that you drove up in. I mean, it just shows me that you're not because you wouldn't be here if you were. You might be 99% satisfied, but you're not 100%.  I would probably choose the 100% satisfied with by to make the payment and you're making a payment, right? Okay, cool. So I was just saying, right? Let's figure out what it is. If there was one thing you could change about your vehicle that you currently have now what would that one thing be? I'm gonna let him talk. I'm gonna fish out those answers and guess what? I'm gonna create a pain point, push on it and close it. You see that? The cell can't be closed until it's open. You gotta open it, okay? All right, number three guys. And by the way, we're kind of teaching you in between the word track so you fully understand them and then you get the psychology of selling, okay? All right, and you get how powerful word tracks are during objection handling, okay? Hey, I like the car, Ryan.  I'm not sure I wanna take one with that many miles on it. Yeah, I understand how the miles can seem a little bit high, but let me ask you this. I mean, if you drove both vehicles for a three-year period, which one would you end up owing more money on? The one with lower miles or the one with a bit higher miles? Well, probably the one with lower miles because it would cost more money. Yeah, so going with our vehicle today with a little higher mileage, the biggest part of the depreciation cycle, Andy, has already been taken into consideration. So when you look at the bigger picture, Andy, going with our vehicle today with just a little bit higher mileage is definitely the smartest way to go if you're looking to save some big money now and later. That makes sense. See that? Hey, guys, I get it, man. Look, my car's got 80,000 miles on it. Let me ask you this. You said 80,000's too high. What kind of miles would you like it to have? I'm just asking. Well, I'd like it to have 50. Okay, cool. Hey, let's say if we took a 50,000 mile car in the 80,000 mile car, truck, car, whatever they're looking at, right? And you drove them for a three-year period of time, right? In three years, you're gonna trade them both back in, right, whichever one you owned. Which one do you think you'd owe more money on? The one with 80,000 miles? No, because you got a better deal on that today because the biggest part of the depreciation has already been taken into consideration. It would be the one that you bought with 50,000 miles. But guess what? At the end of three years, do they both have 100,000 miles on them? Yes, they do.  You never. So for the first time in your life, you get to understand that you can actually beat the negative equity cycle by doing business with me on a highly rated vehicle like this with higher miles, have a lower payment, pay less money for it in the end, not be upside down. Exactly. Man, have you ever won the lottery? You just did. Come on, man. Guys, come on. Life is changing forever. We're changing the automotive industry daily. This right here, this is the lost art of sales. And so many people try to mock, copy, they don't care. Guys, my training program is teaching salespeople how to go make $300,000 to $400,000 a year. You know why? Because I have one motive. It's you. I love you guys. Rock and roll, keep up the training. By the way, hey, if you like the video, write, give me a thumbs up. Thumbs up. Also, if you like my man, Ryan, right here and he's doing a good job, do me a favor. Comment below, let him know how he's doing it by the way. If you love the role play videos, do me a favor. Share it with a friend. Do that for me. It really helps my YouTube algorithm, OK? I would ask that for you guys. Hey, help me, and I'll continue to help you by putting out tons of free content. Like, subscribe, share it with a friend. Rock and roll, guys, I appreciate you, OK? All right, with that being said, thanks for the test drive, OK? But I'm just looking, Ryan. So I literally just got out of this 2018 Toyota Corolla. It's got 30,000 miles. Hey, man, I really like the car. Thanks for the test drive, man. But if you could just give us your car, you know, we're just kind of looking. Yeah. Everybody has to start somewhere. First, you start with looking, then you find something that you like. Guys, once you find something that you like, it's extremely important to find someone who's going to make you an amazing deal. Look, that's me, OK? It's not a matter if you're going to buy, but when you buy. And when you buy is when the deal is right, am I right? Yeah. Exactly. So let me show you a five-minute proposal I guarantee you can't say no to. Follow me inside. This is going to blow you away. There you go. Good job, man. Move through the objection, rock and roll. All right, so this is going to be one right here that all sales people lock up with. OK? Yeah. And by the way, I see managers lock up with it. If someone's getting a better rate at their bank and you can't match it or beat it, it's just they're going to get a better rate. When you give them a draft, there's a good chance that they'll end up buying something else and not ever coming back and bringing your check.  I'm just going to say, you could deliver them in the car all you want. You can't cash that contract. You need a financeable contract, OK? You need to be able to go and say, hey, I get it. You know, our rate's not the best. However, and then handle it with the word track and keep their bank out of it. They might even go to their bank and their bank says, hey, man, I think you're paying a little too much for the car. Hey, I didn't think you got enough for yours and ruin the whole deal. Guys, people say, well, I just sent them to their bank. Oh, really?  Yeah, I'm not interested, OK? Let's close the guy. All right, cool. So, hey, Ryan, listen, man, I love the truck. I'm OK with the price. But my bank, I mean, you said you could get me 599 interest. My bank's going to get me 499. So I just want to go see my banker. They're going to get me a better rate. And then I'll come back and do everything. Yeah, so 99% of my clients, just like you, who have great credit, Andy, don't like to put all their eggs in one basket. Look, it's always beneficial to diversify our loans with different institutions. Guys, we use nationwide lenders that report to all three bureaus in all 50 states. It looks much better on your credit. And the slight difference in payment is nearly nothing, especially for you making great income like you do. OK, good. So do you think I should maybe go to my bank? Or should I stay here? What should I do? You should diversify your loans with different institutions.  Like I said, it looks much better on your credit.  Yeah, because you're going to have stellar credit. Exactly. Which is why people choose to use us versus their own institutions. A lot of these little banks guess what happened? Even they're not in all 50 states. Let me ask you this. So what bank do you use? Oh, ABC Bank. OK, cool. Let me ask you, is ABC Bank in all 50 states? No. Our banks are. I'm just saying at the end of the day, you're going to buy tons of more stuff in your life. Would you agree? Yeah.  Why aren't you an 850? OK, all right. So would you agree you're OK with scouting your credit to a high level? Would it be worth it to pay a little bit more in payment if you knew you could even get your credit greater? Would that be worth it to you? Yeah. Hey, then guess what? Let's pass it on. Let's wrap this deal up. There you go, guys. Move, move, move, move, move. Get through the objection. Get on with the deal. Wrap it up. OK, guys, six and seven. These are great ones. Six is going to be awesome. If you do subprime in your store, if you deal with people with damaged credit, less in perfect credit, bad credit, however you want to call it, this is a great one. OK, all right, Ryan. So, hey, whoa, man. Gosh, Ryan, what is my rate? Ryan goes back, talks to the manager. Maybe it's on the paper. He says, hey, any rate's 21%. Hey, maybe it's 15%. This could be used for anything. Change the rate, use the word track. Ryan, I don't want to pay 21%. Yeah, I understand you don't want to pay 21% handy, but do you know the only way we're going to fix 21% is you signing right here on the dotted line and starting your credit re-establishment program today so that in a year from now, two years from now, you don't ever have to pay a rate like that, ever get in your entire life from today forward. There you go, guys. That's it, man. That's simple. That's it. No, yap, yap, yap. Would you please repeat, hey, Ryan, I don't want to pay a rate that high. Look, Andy, I understand you don't want to pay 21% or that high rate, but look, the only way we're going to fix 21% is you signing on the dotted line right now, starting your credit re-establishment program today so that in a year from now or the next vehicle you buy, you don't ever have to pay a rate like that, ever get in your entire life from today forward. That's it, guys. That's it. You've memorized that. I promise you, 8 out of 10. You'll lock up, you gave him an answer, and then move through it, okay? So with that being said, do you mind if I got you very rates on everything else you bought for the rest of your life when we start today, getting your credit, would that be cool? All right, guys, let's rock and roll. Hey, guys, they just bought a new vehicle. Ring, ring, ring. Guys, move through it. Overcome, move through it. Don't stick to the objection. Don't say, so is that okay? Could we go forward? Can we do that? Is that okay with you? Nah, man, you're the expert. Take the customer through it, okay? Don't stick to the objection. All right, guys, number seven.  By the way, if you like the video and you like everything Ryan has gone through with you, Ryan is an incredible war track coach. Ryan works for me. I've got four or five savages that work for me. They're some of the best coaches in the world. They're my guys. I brought them up from the ground up. They're not trainers. I'm your trainer. They're your coach. These guys are products of my training. I run them every morning for 20, 25 minutes of real play every single day. Before we get into this last objection, I want to give you Ryan's cell phone number. Ryan, what's your cell phone? Seven, six, zero. Seven, six, zero. Seven, zero, five. Seven, zero, five. Six, three, nine, one. Guys, that's my direct personal cell phone number. Guys, look right here. Seven, six, zero. Seven, zero, five. Six, three, nine, one. You guys know my cell. Nine, one, eight, two, one, zero, two, five, four. You want to text Andy Elliott? Right here. If you would like Ryan to work with you on word tracks, maybe helping you overcome certain objections and become great, you're going to do this.  Hey, Ryan, you know, my name is Tom. I want to learn how to overcome objections and be great. Where do I start? He'll tell you. There we go. Okay, all right. Let's rock and roll. Let's give me number seven. Hey, Ryan, man, I really like the 18 Toyota Corolla.  I don't really know if I actually want to have a payment. Okay. Yeah. So would you agree that your car would be worth a little bit more money today and less tomorrow? So you see, the longer you wait, Andy, the less equity you have in a vehicle. Therefore, the less down payment you have towards a new vehicle, in the more time something to go wrong with your current vehicle. And you're probably waiting to get the best deal, am I right? Yeah. If having a low payment is important to you, pulling the trigger right now is exactly what will secure that lower payment. Bam, guys. He said pulling the trigger right now is actually what would secure the lowest payment that you're ever going to have. Doing it now. Because do you think your car would be worth more today or more tomorrow? Obviously more today. And let me ask you a question. Let's say that you didn't trade it today, you didn't have a payment, but you kept the car tomorrow, right? Let's just say something did break and you didn't have to spend $1,000 on it. Let me ask you a question. Do you think your car would become worth $1,000 more? No. You'd potentially find yourself, or you would find yourself spending $1,000 wasting money and your car's worth whatever it's worth as long as it's running. So guess what?  It's not a monthly payment, it's a fixed payment when your car breaks. It's probably an older model, it's paid off. So what that means is not wanting a payment, you're talking about a monthly payment you'd pay to the bank, but we know you do probably have an ownership payment because you have to pay for it when it breaks and it's probably out of warranty, okay? So the fact is you still do have a payment. Okay, you work hard for your money, you put your money in the bank. When the money leaves the bank, that's real money spent. Whether the money leaves the bank to go pay for the car and a service stop or go pay for it with a monthly payment, would you agree it's still a payment either way? Yeah, so if you're gonna be making a payment, would you rather be paying it on an older car or the newer one? Which one? The newer vehicle. Okay, cool, and doing it today, your car's worth the most money? Don't you agree that that put that down towards your down payment since you don't have a payment? Don't you agree today we'd actually secure the lowest payment today, pulling the trigger and doing it now? Yes. Makes sense. Makes sense. Guys, they're all word tracks. I took exactly what he said because I taught him the word track, but also I can do this with other word tracks, okay? Like I said, we have almost 500 objections documented right here in the lion's den on everything you get in the car dealerships, okay? Whether it's outside on the lot, whether it's on the phone, taking phone calls, or there's inside negotiations closing a deal. We cover it from all angles. So guys, number one, I'm grateful for you. I appreciate you. Please like, subscribe, send it to a buddy. Guys, share this videos with all of your friends that sell cars and that are in the car business. If you want us to see us and make more role play videos, closing, let us know what you want to see. We'll give it to you, comment below. Guys, Coach Ryan right here, crush it guys. We're creating the most elite sales people the world has ever seen. Have a great day. See you soon. Hey guys, congratulations on making it to the end of the video. Obviously you're the determined ones and you guys crush it. You're the one percenters. I just want to tell you number one, I appreciate you. And anything you need to reach out to me, if you're struggling with anything, leave a comment in the comment section below. I always answer all my own comments. I'll reach out and help you. Also, don't forget to set up a strategy call with me. It's free. It takes 20 minutes. You can click the link below too and you can join me. I'd love to help you make a game plan to crush it. Hope you guys have a great day.