today and we didn't even know until five minutes ago we are literally we just made dinner we just grilled up some fire chicken we got potatoes we got some cheesy corn and then Mariah saw that one of you guys posted on Instagram about Snapp's birthday so thank you Marvel Squad thank you for keeping up with our lives enough to know when our cat's birthday is it's Sunday right now but I feel like we should celebrate Snapp's birthday give him gifts tomorrow because we did forget about you buddy I'm sorry look at Scar oh by the way they're doing awesome this is a little update now you can see they're still a little unsure but we got you a brother for your birthday let's just say that we got you an early birthday gift and it was your brother he's so cute look how big he is bro he's three do you remember when we first got him and he was like three months I'm gonna be sick I'm literally gonna throw up this dude's already three years old like that makes me like so sad but happy oh my gosh snap stop growing they grew up so fast guys look at him he doesn't even know you don't even know it's your birthday but it is we're gonna give you extra food tomorrow okay we're gonna give you extra gifts and love and we'll play with you a lot right what is good mama squad welcome back to our channel as you could see this little dude is just playing around he finally found some like springs and stuff and he actually has been loving them like dude's been running around playing in shoes and yeah it's the next day but little dude's been doing great with the two cats stores in here right now and snaps over here but they're just been like actually playing and getting along playing and getting along I don't make you guys were like oh you guys didn't introduce them the right way but we really did we did a lot better than we used to like we used to just throw them in there together which honestly in my opinion I feel like it's good to kind of let them like stick each other out and bite it out yeah that's the only way they're gonna kind of like get to know each other and I feel like with scar we you know we put the gate up we shut the door every night so like they're not alone we're always monitoring them yeah a lot of the stuff behind the scenes you guys actually don't get to see but every night we've been shutting the door and making distance for them and so he can have like a good night's sleep we like we said had a gate in there we paid attention the whole time and honestly snap only made contact with like fighting wise twice I think once on video and then the other time was just them like playing around and stuff but but the thing is when snap hits him he doesn't actually use his claws yeah yeah it's like it's like a yeah and like he actually it's so funny it was when he was mad I was laying on the ground and I put my head up to him he never does this but he was like mad at me that was like in his face yeah he smacked my head he was like I felt what scar felt and it really didn't hurt and we made sure scar was okay like he's perfectly fine yeah he's been doing so well and I'm so happy because today marks one full week tonight tonight we'll mark one full week that scars been here we brought him home Monday of last week and right now we're filming this on Monday so by tonight would be a whole full seven days that scars been here and in the matter of seven days he's already used to both of our cats both our cats love him now and he's been roaming the house he doesn't know that room yeah he's only been here he hasn't gone to kitchen or in those back rooms over there oh yeah so we're gonna be setting one of those up as well because so and that's what little robot needs so we're letting him use a normal little box first with like non-clumping litter so there's a lot that goes into it but trust me we're doing it the right way and we broke him in like perfectly I feel like we're becoming professionals honestly we should just start our own adoption agency at this point we know everything like we know what to do when they get sick we don't do like their behavior like I don't know where except Loki I couldn't do that because if we were fostering cats or having them I wouldn't want to get rid of them so I couldn't get rid of I couldn't get rid of them because you spend their first like weeks of their life with them and you fall in love with them and then someone takes them away yeah scar scar come here I need your help right now come here okay good all right so I know y'all didn't click in this video to watch us talk about cats all day long but as you see by today's title I'm gonna be giving Mariah some of the worst news she's ever heard in her life and do y'all want to know what that news is this is gonna be crazy so I'm basically gonna be telling Mariah that this little guy right here the breeder that we bought him from now mind the fact this is Mariah's dream cat as you saw by our other videos like she has been always wanting a mancun her entire life like her entire cat life she's always been wanting a little baby mancun black smoke just like this one alright so listen up I'm going to be telling Mariah that the breeder called me and she wants to take scar back she wants us to fly him back out to Texas or she'll fly to pick him up but I'm gonna basically be telling Mariah that we have to give up our brand-new cat back to the breeder and I know you guys might be wondering will you bought it this and that she might say well we own him so now I'm giving him back but what I'm gonna also tell Mariah is this is not up for negotiation part of the contract the breeder told me even if we buy this cat she is allowed to take him back at any time that she wants and that day is going to be today oh my gosh what am I getting myself into you know I got to get this girl back she just pushed up her girls for me in the other video if you did not watch that make sure to go check that out after this video she's trying to get me in my feels well guess what I'm gonna get her in her feels I am done with the team Mariah stuff team built you already know has been smashing smashing these videos lately so without further ado stay tuned I'm the ghost of the camera I'm gonna tell Mariah that we have to give up our brand-new Maine Coon kitten and she's coming to pick him up today that's what I'm gonna say she's coming to pick him up today and there's nothing she can do about it oh my god I hope this girl doesn't cry I'm gonna probably freak out I might have to break character halfway through but I stay strong I gotta stay strong for you guys so without further ado make sure to get this video a thumbs up and scar guess what you're going home you're going back to the original mommy this is so bad I already feel terrible but you know what I'm just gonna rip it off like a mandate let's go let's get it right now stay tuned hashtag team bill in the comments and most of all enjoy the video guys I hope you don't kill me I really hope she doesn't start yelling at me alright so I can't get Mariah out of the kitchen and I don't want her to be suspicious that I'm like playing bring on her so I'm just gonna set up the camera and tell her that I'm documenting this that we just got some horrible news and I'm gonna play along with it so I'm not gonna hide the camera but I'm gonna make it seem like I have terrible news just got a phone call from the breeder and I'm documenting it right now because they're like this is some BS babe I need to talk to you that was his breeder that just called said bad news what I want to document it because this is like serious scars breeder okay yes this is serious let me set up the camera can you just tell me make me anxious what he spit it out please I don't know how to tell you please does he have a type of disease I don't want to tell you but no we did not get scammed I feel like we were getting scammed yeah his breeder literally just called me and she said that she misses scar she wishes she never sold them she was contemplating back and forth and this and that and she loves that we've been taking care of them for the past week but she said she wants them back like we really signed an agreement and I paid the money do you read the contract did you read what it said no she just she just the contract literally says with 30 days the breeder has the right to take back any animal sold throughout that set it and she says she literally is bought a book of flight here to come pick them up she's not so what do we do she's not taking him she says she right this is either do I that's wrong why would she I know it's bullshit sweet lady I did not expect her to do that she's only on the warrant the on the content she literally said one year she said she said that sometimes they do this and it was part of the contract she's so she'll refund us she'll refund us no and she'll pay us back for the food that we bought I did but she literally was just like I'm sorry you have to come up with a way do you want to come out here or do I know we need to figure out something to do because this is like we've had him for a week I'm sick to my stomach right now I don't believe you are you serious yes she said we have to give him up or she's gonna come and take him I'm not flying there and she'll refund it well what do you want to give her my address because she's not taking him because it's part of all the way there if you don't if you if you disobey a contract there's like consequences I know this BS that's why I don't know what to do I don't know what to do that's why I'm filming right now because like this is bullshit and we have to talk about it where you going Mariah come on come here we need to figure this out are you crying babe I'm here right we have to she said if we don't then she's gonna she's gonna take legal action and she could sue us so he's after yes so he's not ours anymore you have to give him up he's not ours anymore you know it's okay we'll find another one no I don't have trust issues no I know what to say I'm like speechless like that's my baby can't call him scar anymore cuz she doesn't even want scar okay well that's mine he's my cat I'm keeping him I don't I'm just I want I didn't want to be the bad guy bear news but can we talk about it he just jumped up the counter Mariah come on put him down he's not yours anymore put him down Mariah this off-camera now put him down stop calling him scar he's not your baby you should have read the contract before he's fine he didn't hurt his leg that's honestly not that big of a job he's honestly jumped off here before it's fine we're being for real actually no I'm pissed now because that's not cool that's not nice at all I have spent so much time training him making the best cat ever I went all the way there to pick him up I went to the whole traumatizing plane I'm not giving him up he's my baby like this is my dream cat I know I know and I don't know what to tell you babe we're gonna have to give him up but we're not then what do we do then what do we do because that's wrong it's so wrong she's the sweetest lady ever I did not expect she said that she said the only way that we're able to keep them if we pay $10,000 you're gonna be $10,000 yes no he's my baby babe you've had it for seven days I don't care I love him enough I would we've already spent a lot of money on him I will already spend that much money you love him that much why didn't you tell me it's a four because I wouldn't be all freaking fueled up right now if you told me I could spend $10,000 to keep him you were you're gonna spend $10,000 $10,000 are you serious yes we're not spending $10,000 we already spent $10,000 on snap and I would spend $10,000 on Thorpe I had to so yes I will spend that much money because he's my baby and I'm not doing it I'm not doing it then bye no my money is your money too and I have the right to say yes to that and I'm going to know that I'm freezing your bank account you can't freeze my bank account it's our money okay well I'm out stop filming right now I'm not even filming I have the camera here because we were supposed to talk about it it's not even I'm talking about it now I'm annoyed you really wouldn't you really wouldn't do that for him do you know there's one other option you can do what they get him to stay what she said you have to admit something what it's on camera you have to admit it on camera I'm in what she doesn't know we do social media she's gonna be watching this that's why I'm filming so before you say so you can either give up our little baby cat because she's gonna come and take him okay you can pay $10,000 what or you can admit that team bill is the best team on this platform no she said that she said I will let you keep them if you admit that team bill is the best team praying team on this platform no if you say team bill is the best team on this platform no I'm not saying that because I say team bill is better than Team Mariah say it say it no because that was evil all right scar no we're not you're going to the pound scar where you at you're going to the pound buddy all right we're getting rid of him babe he's going sorry say it then say it then see those better sit then this is scar this is the other guy this is the other guy in line Marvel Scott did you hear that wait can we get can we get a little repeat on here I love that I'm gonna set that as your ringtone babe babe every time you call me all I'm gonna I I think he's walking just fine baby baby she never called me it was just a joke I'm sorry I'm sorry baby look at you with your little push-up I had to get you back and now every time you call me it's all it's gonna say is team bill is better than Team Mariah team bill better than Team Mariah I'm gonna have to not lose that's gonna be my voice mail now it's not hey I saw you could have reached me team bill is better than Team Mariah it's gonna come in I'm gonna give you the silent treatment for that no babe I'm just kidding though she's not gonna come obviously because I was just joking you can't just not talk to me I talked to you after your pranks come on hi Marvel Squad no that is bull that is bull that is bull we'll be coming back like I said I've been doing easy pranks on him and it's not happening after this one this was evil and not right and you put me in my feels and I'm gonna be giving Bill the silent treatment today you know this is what he gets for that is not fair that is not fair that's not fair I'm not even gonna look at him I'm not gonna look at him I'm not gonna talk to him I'm not gonna touch him I'm not gonna do anything like I I'm literally not gonna do anything you can't resist I'm good I can't resist cuz she's so in love with me give me the ring back where's your ring give me your ring back then you can't even look at your fiance why why would I want to marry someone I look at me so you're gonna wait the rest of our lives you never gonna look at me again 24 hours 25 hours you sure huh oh look at that she broke in like 10 seconds oh hey you got a big head I'm kidding compare to scar because I was just holding baby scar I was kidding it's 100% I'm dead ass like on record because I'm holding him yeah when I was grabbing you guys we're gonna end here because he's something else I hope you enjoyed today's video for my sake because I was in the video not because team bill was in the video because team Araya was in the video and I hope you liked video because I told you to never bring on what my squad I promise you we would never give this little man up like ever he is part of the family now he's also lightening up so much guys because he is a black smoke he's not gonna be an all-black cat he really has a lot of arty grays coming in and filling in he doesn't like to be held yet he's just so tiny it's hard to hold him he just squirms around he's so cute though thank you guys so much for watching this video I hope you enjoyed Mariah's reaction I know it would be super good because not only is it a team bill video but because this is literally her like everything like we love our other cats but Maine Coon like has been rising cat her whole life so it's like completes the family complete the whole yeah and honestly we couldn't be happier with how everyone is like getting along all the cats and stuff so it's like it's literally awesome and just makes the house so lively like everywhere you go every way we go it's like you know some with some cats smiling or doing something but thank you guys so much for watching this video we will see you in the next one but until then peace love you guys


It's a folk art. It is handmade and this is what it looked like on the bottom and I got to tell you when I got this I almost put it to the side because I I Figured it was just a local artist that probably wasn't very well known and it probably wouldn't sell for much But I have definitely learned my lesson. So hey, fellow buddies. Thanks for watching Amazing right all right, let's get started Hey, hello buddies. Thanks for watching all right in this video We are gonna talk about 16 of my big-money bolos items that I bought low and sold high I'm gonna tell you where I got it what it paid for it and what it sold for and One thing that I'm kind of known for is sourcing cheap. So in this video, you're gonna see what I mean and These items sold for 35 dollars or more And if you want to see my bread and butter items, which are even easier to find things You can pick up every single day at the garage sales thrift stores estate sales Check out my bread and butter videos. Those are 35 dollars and less All right, let's get started here with the first item And this is kind of a funny pickup. I was at a thrift store And this guy is humongous Um, I had video footage of me finding him and as you guys probably heard in another video I lost a bunch of footage. So no footage for that But I paid eight dollars for him which is paying up for me. I typically source five dollars or less for my items I like to bundle and buy in bulk But um eight bucks. I went ahead and bought him. He still had his original tag on him It says bright time toys. Nothing I'd ever heard of. I just thought he was cool. Now. I will tell you I really wanted him for my thumbnail and that's why I bought him Part of the reason I bought him and then I lost the footage I thought I was gonna have him for a little while But he ended up selling super super quick and I went back to the same store and they had another one And this was before it sold and I didn't pick it up. So now I'm kind of like, oh, I should have got it But anyway, they must have had somebody donate some new with tag toys So this guy ended up selling for 44 dollars and 85 cents plus shipping The buyer was all in for 80 dollars and 73 cents I am going to give you the all-in price on that guy because 80 dollars for a big stuffed animal is absolutely crazy All right, the next item This is a Barbie sign language toy. It's a Barbie doll. It was from Toys R Us. It was an exclusive from 1999 I saw this and I was like, I had to have it. I did pay up for this. I got it at a garage sale I paid 10 dollars for it and I ended up selling it for the sale price of 69 dollars plus shipping And again, the buyer was all in for 86 20 The next item are these Toys R Us animal alley bunny rabbit plush stuffed animals I put twins in the title because they are identical And somebody messaged me about these if I remember correctly it was an international sale and they sent me a photo Of a bunny that was theirs as a kid And I got to be honest with you. I'm not sure if it was the same bunny that thing was so beat up But she wanted these I believe for her kids. So uh She ended up buying these for a best offer of 85 dollars plus shipping And I got these at a garage sale for 50 cents each So a good thing to do when you have two things that are the same is to put twins in the title A lot of times people that have twins are looking for identical stuffed animals and they will search that keyword The next item is this vintage brown bag curly lion 2001 cookie cutter craft mold Um, I did use the word standing in the title It's made in the usa with its original tag new old stock never used Um, I typically will use this type of tape measure for things It stays open better than like the sewing flimsy ones And um, I like to show the measurements that way I got this out of a thrift store mystery box So my cost of goods was probably a dollar or less And I ended up taking a best offer of 75 dollars on this and the buyer was all in for 95 39 now These brown bag is the brand They do vary this one was big money for some reason some of them are Just bread and butter and some of them go for a lot more. Let me get you a picture of the back I think I have it right here. They will be labeled on the back With what it is all the information you need for your title really and make sure you put the date in the title All right, let's look at the next item here The next item is this herb Braymeyer signed hand carved wood santa folk art christmas figurine from 1997 um these also came out of a thrift store mystery box and It's a folk art It is handmade and this is what it looked like on the bottom And I gotta tell you when I got this I almost put it to the side because I I figured it was just a local artist that probably wasn't very well known and it probably wouldn't sell for much But I have definitely learned my lesson. So your takeaway from this is if you see items that are hand carved Even if it's not like a super famous artist There will be people that are local to the area that will know that artist and they will be searching for it I have had three by this same gentleman sell And one of them was a local person to my area and I delivered it to their home and I talked to her for a little while And it's funny because I'm like is this the Braymeyer whose um Wife was a teacher and she said yeah, and I had The the teacher my teacher was the wife of this artist and I guess she's the person that actually hand painted these So when I went to drop this off, I got like a whole history lesson on The history of this artist, which is still really cool and for some reason these just sell really good So if you ever see her Braymeyer, definitely pick it up And I ended up selling this one for $44.99 plus shipping And speaking of here is another one I sold by him Also came out of a mystery box And the mystery box that I got was a whole big lot from one person and I just bought it all out And there was tons of Santas. It was just tons and I had a garage sale and I sold so many wood Oh, I look back now and I'm like, what did I sell? They were wood figurines like this and I'm like, oh my goodness I probably should have looked over those better I feel like I kept the stuff that was shipable to the side But there were some really cool big pieces that I sold probably way too cheap Lesson learned that's that's how it works, right? So this one is from 1990 and it sold for a best offer of $42 and again right there signed It's it looks like it's etched in with like one of those things that burn you burn it in So best offer of 42 on that guy and he's a little smaller here. He's only about eight inches The next item I sold are these headbands and these were from my scavenger hunt the Benz 10 scavenger hunt if you put in hashtag Benz 10 Um, it will pull up everybody that participated and what we did was I came up with a scavenger hunt 10 items that my featured members of my this channel had to go into the Goodwill Benz and search for these 10 items and create a video Super fun to see what everybody got a roll squirrel won that competition and She did awesome, but so many others did great too. So definitely go check out those videos lots of bolo finders But these headbands I was just certain when I listed these that these were going to be a posh mark sale It just looked it screamed posh mark and I sold it on ebay I do cross post my items using list perfectly If you'd like to try it, there's a video down in the description that shows you how it works that basically Get your items onto other platforms way quicker than manually doing it If you decide you want to try it, you can use coupon referral code bolo buddies all one word Have a hair and that will get you 30 off your first month. All right. So the headbands There was a lot there were 32 of them here. It's by weight a dollar 79 a pound I'm guessing I had maybe five bucks in this probably And I ended up selling these on a best offer of 38 dollars plus shipping And I did have several people ask me to part it out and I'm like, no, I'm not gonna part it out All right, these clerks came from a garage sale. I paid five dollars for them They were a size 11, which is part of the reason I picked them up Bigger sizes are a little bit harder to find so you can typically ask a little more. That's been my experience I am definitely not a shoe reseller. So that's just kind of How I feel I feel like 11 is a good size And I sold these for 45 dollars and 49 cents and the buyer paid shipping on those The next item I picked up at a garage. So I paid a dollar 50 for these guys And they ended up selling on best offer of 40 dollars and all in for 51 44 These are 1979 insco ceramic golf Or I'm sorry. No gnome elf santa christmas figurines. I don't know where I got golf from but look how cute they are And they're not very big. Uh, here's what the bottoms look like So they've got the little sticker, but they are also stamped And right here is my tape measure So nice little sale right there I enjoy selling christmas items a lot. So you will see those in my videos Now this is another item that I picked up at the goodwill bends and I made a mistake on this one Uh, these are jopes J-o-b-s-t. I think that's how you say it compression thigh high stockings I do recommend picking these up if you see them these sold really quickly And they sold for 43 and 20 cents. Now. Do you guys see the problem? My title says medium and they are a size large. I think what I did was I think that I um forgot to update the title, but I did put in the 2030 mmhg I don't even know what that means. Um I just i'm not sure what happened, but I have medium in Let me see medical compression I don't know why I did not change that to large So they opened a return, which was completely fine. And I said to go ahead and return the item Oh, you know what see m navy maybe medium navy was the color I'm not sure But they opened a return. I told them to go ahead and return the item I was happy to take a return. I would have refunded them Everything plus their shipping because it was my mistake Well, I got a notification that the return was closed because they filed a charge back So I think when they file a charge back ebay releases the funds to me and gives them their money back Don't quote me on that, but i'm pretty sure I I still got the payout because they never sent the item back All right, the next item is this cranium caribou island and you guys have heard me talk about caribou island or caribou A lot. This is caribou island. It is also a bolo. It is made differently. The other one is square This is rounded in it. It's a different format, but stills has the key and very similar features to it Um, but it's got these tokens the key could have parted it out But everything was there. So I went ahead and sold this complete sold this for 49 dollars The buyer was all in for 66 27 and I can't remember where I got that one. I did not write it down guessing I paid probably two or three bucks for it The next item is this vintage sheer swiss dot dress. Um, it's a girl's youth And I put this up for auction. It is swiss dot. Let me show you a close-up of what swiss dot looks like right there It's kind of raised and flocking super super cute I picked this up at a garage sale for a dollar and I sold this on auction and It sold right here for 52 dollars plus shipping The next item I sold is this vintage hawaiian dress. It's a size large red white and blue made in hawai Let me get you a visual of the tag. I know I have it somewhere right here made in hawai um I picked this up at a thrift store and I actually have video footage of me finding this It's on my thumbnail So you guys can go check out that video to see what else I bought that day But this was definitely the highlight of the video I ended up taking a best offer of 50 dollars on this and the buyer was all in for 60 53 All right, these are awesome. This was a super fast sale If you see this brand definitely uh search solds I was at a garage though They wanted 10 dollars for these and I asked them if they um what their best was Because I wasn't really sure because they're slippers how much I could get for them, but they were brand new And they told me they would take five So I went ahead and picked those up and I sure am glad that I did because they sold quickly and I sold those for 70 dollars Plus shipping and they're my size and I thought about keeping them for like 30 seconds Um, does anybody do that and you're like, oh, nope. I'd rather have the money. So they're cute But how often do I wear slippers? All right, the next item here are these max max l xl To high bait bias cassette tape and there's eight of them here and I picked these up at the Goodwill bins And I lost my footage from that haul but I was digging through the bends and nobody else was grabbing these I knew they were a bolo. Rachel Strickland talks about selling these also over on her channel and the vhs blank takes Ah blank tapes definitely go check out Rachel Strickland if you have not already She has an amazing channel and she is a bolo finder And her channel is her name All right, so like I said, I'm digging through the bends. Nobody's even trying to get these You know, I would have thought like two or three people would have been fighting me for these They are such a bolo Ended up taking a best offer of 65 dollars for these the buyer was all in for 8406 And they sold quickly And the last item here is this disney santa jack skellington zero nightmare before christmas ornament If you guys see the jack skellington This this character right here these ornaments are definitely a bolo and you're going to see more of these in future videos I picked up a mystery box from a thrift store and there were Probably six or seven of these in there and I am almost sold out And they go in the 40 to 50 dollar range each and every single one of them This did not even have a box and it sold for 40 dollars and 99 cents Plus shipping now some of them are hallmark. This one is not hallmark and it still sold that high All right, you guys Let me know in the comments. Which item was your favorite bolo lots of fun little stories in that one Uh, I did have oh my internet. I can see am I getting fuzzy? Hopefully it'll fix itself here in a minute I get a little uh alert. Okay. It looks like it's okay now. Um Um So I somebody no it's back. Oh well Somebody left me a comment saying that they prefer that I do not tell you the all-in price and that it's annoying So I have asked you guys for feedback before on if you like the all-in price. Some people like it. Some people don't Um, I tell you the sold price if you prefer. I just say buyer paid shipping Let me know if you prefer the all-in price. Let me know down in the comments Just kind of curious do that again and kind of see what everybody thinks about that All right, you guys there's going to be some videos popping up here and here and a video down below and a subscribe If you're new here, thank you so much for being here. If you've been here a while I appreciate you so much and Thanks for watching


Welcome back. So I get on Twitter today and it is just filled with Democrats and the media Losing their minds over an allegedly anti-Semitic hate filled post on true social by Trump and are demanding that Republicans denounce it or they're just proving how fascist they are before we get into this Let me just set something straight.  This is total bullshit No president has done more for Israel than I have somewhat surprisingly However, our wonderful evangelicals are far more appreciative of this than the people of the Jewish faith Especially those living in the US those living in Israel though are a different story Highest approval rating in the world could easily be Prime Minister now Here's the part that's really driving them crazy US Jews have to get their act together and appreciate what they have in Israel before it's too late now Just check out some of these responses on Twitter still waiting on any Republican to condemn Trump's comments There was a time when implicit threats made against Jews would have been unacceptable Apparently no longer despite the fact that anti-Semitic violence is in an all-time high in the US before it's too late Not quite sure why or how anti-Semitism has just gone fucking mainstream this week with former president now Essentially Well, here we are everyone should be speaking out against this man. The only madness. I'm seeing is coming from the media class There's a lot more than that, but you get the idea. It's almost like these people are purposely misconstruing what Trump said Gee, where have we seen that before? We also had people that were Very fine people on both sides. You had people in that group. Excuse me. Excuse me I saw the same pictures as you did and you had people and I'm not talking about the neon Nazis and the white nationalists because they should be condemned totally of course We know this is one of the Democrat state media's favorite games And as usual they are playing their part and we'll get right to that But first give me 30 seconds to tell you about this free coin offer from Noble gold. Hey Did you know that silver prices are low right now? Investors are selling their holdings because of a turn down in demand once fears subside We could see a surge of demand for silver as customers come back Which is why it's a perfect time to get your silver IRA started right now and this month You'll get an incredible free three ounce silver American virtue coin with a qualified IRA of $20,000 or higher call the team now at eight seven seven six four six five three four seven to find out more or visit Noblegoldenvestments.com just remember there is always a risk of loss and past performance is not indicative of future results It's on the thing really quickly on this anti-semitic Screed that Donald Trump went on yesterday a lot of observers saying That I saw yesterday at least conservative saying this was his worst anti-semitic rant yet What makes it anti-semitic? What makes it the worst? What specifically are you all angry about? No one knows and again?  That's that's out and out left. No the thing is Oh, yes, so loud not a single one of you can describe exactly what it is. You're upset about I wanted to start by asking is the president aware of the comments that Donald Trump made yesterday about American Jews Basically saying that they're ungrateful and they better get their act together Appreciate what they have before it's too late Notice that she completely leaves out the context of Israel.  We need to call this out That is unless it's coming from any of the Democrats in the squad former president of the United States Today threatened America's Jews. No, he didn't before it's too late Before what is too late? Too late how because Israel surrounded by people who openly want to wipe them off the map What's actually incredible is that he has been able to get away with this anti-Jewish rhetoric? Maybe somebody can help me out, but I've seen zero evidence of this anti-Jewish rhetoric Okay, let's just carefully go through this heinous post by literally Hitler. No president has done more for Israel than I have I don't know if that's exactly true But he was a big supporter and he did broker a Middle East peace deal with Israel He also moved the US Embassy to Jerusalem Trump's own daughter married a Jewish man then converted herself And then there's the whole zero evidence that Trump hates Jewish people at all They just referenced past lies like that Trump never condemned white supremacists when in reality He did it like 50 times president of the United States in The year of our lord 2020 Refuses to condemn white supremacists When he was asked to condemn white supremacists, he didn't When specifically asked if he would denounce white supremacists that the president dodged it Well, I have to say that it's disappointing that a sitting US president can't outright condemn white supremacy Are you willing tonight to condemn white supremacists and militia groups?  Do you have any words for that? Well, I disavow David Duke endorse me I disavow okay, well, we looked at it and looked at the question. I disavowed David So I disavowed David Duke or weekend long on Facebook on Twitter and obviously it's never enough Just to clear it up this morning Can you naming it make a declarative statement that you did not that the president denounces it racism is evil and Those who cause violence in its name are criminals and thugs Including the KKK neo-nazis white supremacists I spoke out forcefully against hatred bigotry and violence and Strongly condemned the neo-nazis the white supremacists and the KKK in one voice our nation must condemn racism bigotry and white supremacy somewhat surprisingly however our wonderful evangelicals are far more appreciative of this than the people of Jewish faith Well, I think he's just referencing the fact that seven and ten Jewish Americans support Democrats and the Democrats aren't known for supporting Israel And you know that's exactly what he meant because of the next line those living in Israel though are a different story Highest approval rating in the world could easily be prime minister US Jews have to get their act together and appreciate what they have in Israel before it's too late see exactly He's talking about American Jewish support for Israel because Israel is surrounded by countries that openly went to wipe them off The map so the only thing Trump is doing here is promoting support for the Jewish state Of course, it's not a threat But this is yet another operation on behalf of saving democracy by lying and misleading people They're desperate because back in reality. This is how the public is greeting Democrats and the Bidens All right folks, that's all I have to say about that one I hope you enjoyed it hit that like button and make sure to leave a comment to continue the discussion. Thanks a lot


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I'd like to thank Peter Flughel for including me here in the lineup, actually, well after the lineup of speakers that had already been announced, so I appreciate that. What I'm presenting here today is actually the last chapter of my dissertation, which is about this monk, Chinaprabha Sury, and what I try to sort out in that is a little bit of a reception history of how his lineage and how the Shvetambara tradition in general had understood him. And one of the striking things that became apparent to me was that actually the Khartar Gutch, the lineage that he's part of, doesn't seem to pay that much attention to him for quite some time, so I try to sort that out. But remarkably, the Tapa Gutch does take up his story about a century after his death. Okay, so in Professor Nalini Balbir's extremely useful catalog of the gene manuscripts in the British Library, which I had occasion to take full advantage of this week. There's a note following an entry for a manuscript of a rather erudite hymn to the 24 Jinnas composed by Jinnaprabha Sury that attempts to encapsulate who the author was. It says, this Jinnaprabha Sury is the famous author of the Vive de Tirta-Kalpa, and so many other works, who belonged to the Khartar Gutch and lived in the 13th and 14th centuries. It then adds that he was a contemporary of Sultan Mohammed bin Tughluk. Another note following a separate entry in the catalog declares that he was a leading monk of the Khartar Gutch. It might be worth sorting out just how and when Jinnaprabha Sury became the, quote, famous author of the Vive de Tirta-Kalpa and so many other works, as well as when and how he became a leading monk of the Khartar Gutch. As neither of these laudatory statements seem to have been readily apparent to the earliest keepers of Khartar history. In fact, the first major lineage history of the Khartar Gutch, the Yugo Pradhan Acharya Gurbavali, that is, I guess, the garland of teachers being the leading Acharyas of their respective ages, begun by Jinnapala, seems to have had its impetus in actively effacing the sub lineage of which Jinnaprabha Sury was the second Acharya, and which came to be known by the dominant lineage later as the Lago that is the lesser Khartar Gutch, or it's often also called a branch or a shaka of the Khartar Gutch and even one goes so far as to call it a gacha-bheda, eschism. Further, there are no solidly datable texts that mention Jinnaprabha Sury's name for almost a century after his death. Until a 1435 inscription on an image of Parshwinath at a temple near Chittor, mentions that the consecrating monk was part of the Jinnaprabha Sury Anvaya, or his lineage. With such scanty attention paid to Jinnaprabha Sury by his own lineage and in light of an apparent attempt by monks of that dominant line of the Khartar Gutch to write his whole sub lineage out of the annals of the tradition, we should pause to entertain the question of just when and how he became a famous and leading monk of the Khartar Gutch. Now Jinnaprabha Sury is certainly deserving of whatever little fame has attached to his name, sporadic though it has been. He is best known among historians of Jainism and as Professor Balbir's note indicates, it's primarily for being the author of the Vividitirtha Kalpa, which is a collection of 63 prokhet and Sanskrit chapters that narrate events pertaining, as the title suggests, to various pilgrimage sites mainly across northern India of the early 14th century. Most specifically, he's centered in Gujarat, Rajasthan and the Greater Delhi area. Including among these chapters, or included among these chapters, are two narratives of his meetings, Sultan Muhammad bin Togluk, which began in 1328 and ended in 1333, likely with the monks' demise at the respectable age of 72. As a result of these meetings, we learn from the text, Jinnaprabha Sury was able to obtain a number of firmans or imperial edicts that secured the first Shwetambra, that first secured Shwetambra pilgrimage sites in Gujarat and then eventually general permission for Bolsh Fetambra and Digambara Jains to move freely throughout the Sultanate realm. He even persuaded the Sultan to return a previously plundered image of Mahavir to the Jain community, which was then installed at the Sultan's expense in a new temple in a quarter in Delhi, which he had himself set aside for some 400 Jain families. Initially in an area called the Sultan-e-Sarai, but then later on, we learn that he moved them to a new quarter called the Batataka-Sarai, which was located actually quite close to the Thousand Pillared Hall, which was Muhammad's palace in Delhi. And that was complete with a new pashrai so that Jinnaprabha Sury could remain in residence there and advise the Sultan on matters pertaining to Indian religious and philosophical matters. Now, in the Vivedhya Tirtha Kulpa's narratives, which I should note have no other Indic or Persian sources that corroborate their claims, other than several indications of actually positive relations between Jains and Muhammad Menthogluq's successor, Firusha, Jinnaprabha Sury clearly indicates that his ability to gain an audience with the Sultan was based on two things. First, his knowledge of Indic, religious, and philosophical traditions, which gained him an invitation to court and then translated into formidable skills and debate from which he emerged victorious time and again. And second, his skills as a poet, which so charmed the Sultan with his, quote, finally wrought verses, that he was able to gain the image of Mahavir and several of the Firmans immediately upon reciting these verses of praise and greeting to the Sultan. And Jinnaprabha Sury is less well known today as a master poet, though his hymns comprise the great majority of his overall ove. Roughly 100 of his hymns are still extant, though he's reputed to have composed over 700 of them, many of which demonstrate his mastery of Sanskrit grammar, lexicography, and prosody. Among these hymns are a Chittar Kavya, or an image poem, two multiple language hymns, one is a six language or Shadbasha Kavya, and the other is an eight language or Ashdabasha Kavya, and numerous others that display his mastery of one or more of these Kavya Alankadas, among which his hymn to the 24 Jinnas referred to at the opening, was a particular favorite of Tapagach commentators. Devavimala in his Hira Sobhagya Mahakavya actually mentions Jinnaprabha's hymn, this particular hymn three times in his glosses of his own work. He also made important contributions to the practice of ritual, composing the first extensive ritual manual in the Kartar Gach, called the Vidhimarga Prabha, or the wellspring of the path of proper conduct, which is actually how the Kartar Gach monks thought of themselves. They were the Vidhimarga, the path of proper conduct. As well as he composed several works on mantra-based rituals, having written manuals on esoteric powers connected to the Suri mantra and other mantras, and he also wrote a number of hymns to the goddess Padmavati, particularly one, lengthy one in Prakrit, and it's this side of his works that all of the later biographers, emphasize as his source of power and authority with the Sultan, much at variance with how Jinnaprabha himself portrays his interactions with him. So with such political and literary accomplishments, this seems as though the Kartar Gach would have only been too enthusiastic to embrace Jinnaprabha Suri. However, as I alluded to earlier, the Kartar Gach lineage histories don't even mention his lineage at all until 1527, and that's the Kartar Gach Suri Parampara Prashasti. And only named Jinnaprabha Suri himself in two works dating to 1618, and then they only very briefly mention him. It would seem the interval between Jinnaprabha's death in 1333, and the first mention of him in a Kartar Patavali calls for an explanation and leaves open the question of why anyone would have cared to include him at all at that late date. The basic answer that I offer here is that his story had been well known to a certain segment of Jains for about two centuries, namely the monks of the rival mendicant order, the Tapagach, whose increasing power and influence in the independent Gujarat Sultanate, and then of course in the Mughal Empire under Emperor Akbar, required them to reassess their self-image as a purist tradition and direct opposition to the Kartar monks, whom they saw throughout much of the 13th and 14th centuries as too closely tied to political power. Their success in supplanting their Kartar rivals is also indicated at a distinct moment in history when the Tapa polemicist Dharmasagra excoriated his fellow monks for speaking too highly of a monk of a heretical lineage, and this is actually the part of my argument that I think needs most help, so if any of you know about the Tapagach history of the 15th and early 16th century, I would appreciate your help. There's only one Kartar lineage text that narrates Jinnaprabha Suri's life, and unfortunately it's undated. Though Phyllis Granov claims that the text was likely produced within a generation of two of Jinnaprabha Suri's death, she gives no real solid evidence for this claim. The text titled the Vridah Charya Prabhandavali, or the Garland of Narratives of the Acharyas of Old, tells the story of Jinnaprabha's selection by his guru, Jena Simhasuri, who is the founder of the so-called Lagu Kartar lineage, and then he retells the story of Jinnaprabha's experience in the Sultan's court, completely reinventing the source of Jinnaprabha's influence, finding the source of his power and his relationship with Padmavati, and in his command of magical powers. It is most probably composed by a monk from the Lagu Shaka, as it traces the succession of Acharyas of the Kartar Gach back to its traditional founder, Vartamanasuri, and it culminates with Jinnaprabha, and gives a highly conciliatory explanation for how the tradition divided under the leadership of Janeshwarasuri II. So it basically says that the Kartar Gach was so successful that Janeshwar decided that it was time to divide up the leadership. So he gave Jinnaprabha, who became the successor to him as far as the major part of the tradition goes, gave him charge of all the Oswal genes, and gave charge of all the Srimal genes to Jinnasimhasuri, so that's their explanation of it. So I begin with it here, not to support an early date for it, but rather to hold its date in question. Its narrative structure and the details it gives for how Jinnaprabha was so successful at court give us a completely new orientation toward the monk that has strong resonances with two solidly dateable 15th century Tapa Gach biographies of him. And I give the basic elements of that narrative here, and these are the elements that carry through all of the biographies. So Jinnasimhasuri is visited by Padmavati and told that he has six months to live. He's then instructed to seek out the son of a Srimal merchant who will be his successor. Once identifying the young boy, he initiates him and he grows up to become Jinnaprabha Suri, who becomes the leader of his order. He then impresses the sultan upon his visit by exercising a demon from his wife where all others had failed. Now a courtier of the sultan, who is now called Mohammed Shah in this text, Jinnaprabha fends off many attempts to outdo his magical powers or to show him up to the sultan all because of warnings from Padmavati who's always looking out for him. These include both Hindu and Muslim contenders. One is named Raghava Cheyena or Raghava Chaitanya who hides the sultan's ring in Jinnaprabha's broom only to have it discovered in the pocket of one of his own disciples. The other is a quote magician of Khorasan who finds that only Jinnaprabha is powerful enough to knock his turban out of the sky from the position it was floating there in the middle of the hallway by using his own Rajohara now with the broom. On another occasion, he's the only courtier who can correctly predict how the sultan will leave the palace, that is by crashing through a wall. And on another occasion, he makes a fig tree follow the sultan and give its cooling shade to him for a full five miles before the sultan finally agrees to let the tree go back to its original place. Finally, Jinnaprabha successfully regains the image of Mahavir by making the image move and speak once it states, quote, may the glorious teachings of the Jinnas be victorious. May the beloved of the king prosper and be happy. May Shah Muhammad reign victorious on earth and may the monk Jinnaprabha Suri be victorious. This is Phyllis Granoff's translation. So impressed with the sultan that he worshiped the image then and there, had a temple built for it and offered two villages to the Jains for its maintenance. Another undated narrative collected in the Puratana Prabhundi Sangraha gives us the same basic elements though with enough variations that it's difficult to say which comes first. Interestingly, it tells the story of how Jinnaprabha, accompanying the sultan on a military campaign, pays a visit to the Tapagach monk Somaprabha Suri near the Gujarati capital of Patton. I quote the significant passage here. The blessed Somaprabha Suri began to praise him saying that it was because of his greatness that the Jain faith was prospering. But Jinnaprabha Suri replied, I have failed to observe the strict life of a monk night and day traipsing after the sultan. I have no independence anymore. You follow the correct behavior of a monk. The true behavior appropriate to a monk is preserved in your monastery. Eventually, Jinnaprabha goes on to lead the sultan on a pilgrimage to Gujarat which so impresses the sultan that he worships the image of Nehmi Nath right there. Clearly, the narrative lods Jinnaprabha for his actions of the sultan which brings so much benefit to the Jain community as a whole and stops to reflect on the Tapagach's superior conduct, upholding the correct monastic practices. It's difficult to say whether this is a Tapagach narrative or a Kartergach reflection on their own situation. Though my feeling is that it's the former because it spends so much time detailing the good that can come from a close interaction with political powers. While the Tapagach monks are stuck in a monastery near the merely regional capital of Patan. And I turn now to the two dated Tapagach narratives. One is the 1446 Upadesya Saptati or 70 Instructive Narratives of Soma Dharmagani. The second is the 1464 Panchashati Praboda Prabanda Sambanda or a collection of 500 enlightening narratives by Shubhashila Gani which contains actually some 19 narratives of Jinnaprabha Suri's deeds. While the former text ignores Jinnaprabha Suri's sectarian affiliation Shubhashila fully incorporates Jinnaprabha into the Tapagach making him the student who won Vijayasimha Suri instead of Jinnasimha Suri. So this Jinnah versus Vijay as a way of distinguishing between Karter and Tapagach Acharyas. In one story, Jinnaprabha mentions his affection for Soma Tilakasuri in the context of meeting with the laymen jugats, Simha Shah, in the Southern Sultanate capital at Devgiri. But no reference is made to Jinnaprabha's composition or the gift of hymns. I shall get to in a bit. I translate the story of Shri Jinnaprabha Suri's arrival in Devgiri here. Once, Jinnaprabha Suri walked from town to town and from village to village to praise the gods. As the word is Devan, which can also be used for the Jinnas. He reached Devgiri with Shri Ahmad or otherwise named Sultan Piruji. Or actually most of these move Jinnaprabha's time up a bit and say that he was in Firuja's court. There, the faithful expended great wealth on a festival to celebrate their entry into the city. So that's both the Sultan and the monk. Jinnaprabha Suri, having praised the gods at all the temples, worshipping at the Chaitya houses, went to the house of Jagat Simha Shah. There, the Suri worshipped images made of the finest silver, gold, quartz crystal and cat's eye gem. Then, seeing this Tirtha, that is his house, the monk started shaking his head.  And the teacher said, I worship the gods in all the cities, towns and other places of this world. Worship the Gurus too. This one now becomes the greatest Chaitya house. Moreover, I worship the Tapau monks Shri Somatila Kasuri in the, in Jungaralapura. Now, henceforth, a pair of Tirthas have become the best of all in my mind. Thus, I was shaking my head. By the worship of this Tirtha, the bliss of liberation is attained. Whereof? One, the praise of the Arhats over a thousand lifetimes liberates the soul. Doing it within this lifetime, moreover, is due to the attainment of wisdom. Two, the knower of the Dharma and the performer of the Dharma, even the producer of Dharma, the Guru, speaks the teaching of the meaning of the scriptures on Dharma for all beings. And three, praise to that blessed Guru by whom the eyes of the blind, languishing in the darkness of ignorance, are opened with a pencil of the Calerium of knowledge. Having thus heard this instruction in Dharma and having realized his righteous passion, the honorable Jagat Sima performed extraordinary devotion to Jinnah Prabhupada Surya and gave to him a vital breath in the form of the finest clothes. Each of these three texts demonstrates a general familiarity with the trajectory of Jinnah Prabhupada Surya's life story, his success with the Sultan and accomplishments as an intellectual and theologian. Both Shubhashila Ghani's narrative and the unsigned text seem to coincide with the original texts that I talked about from the Vrindacharya Prabhandavali. Shubhashila substitutes Vijaya Sima Surya in the place of Jinnah Sima Surya, otherwise retaining the narrative that the teacher discovers that he has just six months to live and is thus persuaded by Padmavadi to seek out the child, who will become Jinnah Prabhupada Surya. He understands that the plundered Mahavir image is the impetus for Jinnah Prabhupada Surya's initial encounter with the Sultan, but he changes certain details, such as the original city from which Mahavir's image was taken. Likewise, Soma Dharmagani appears to have been familiar with Jinnah Prabhupada's own Vividitirtakalpa as he details Jinnah Prabhupada's foray into the southern capital of Devagiri, renamed Dalatabad, which Muhammad bin Tughluk had attempted to establish as a southern capital, and to which he had actually sent the monk after his initial meeting with him in 1328. Additionally, all three narratives begin with Jinnah Prabhupada Surya's presence in the Tughluk court as an established fact, whereas in the Tirthakalpa itself, it describes more the effort of getting into the court first. Here it's already established that he's a courtier. Thus they narrate certain experiences that he had at the court that demonstrate his supernatural powers, which had served to solidify his relationship with the Sultan. Rather than discuss the poetic talents that established him at the court, as the Tirthakalpa narratives do, the Tupah story showcased Jinnah Prabhupada Surya's magical powers, his close connection with certain deities and his cleverness at courtly repartee. Most significantly, all three Tupah gutch narratives place Jinnah Prabhupada Surya not in the court as Muhammad bin Tughluk, but of his successor, Firu Shah, who came to power some 18 years after Jinnah Prabhupada's death. This is especially remarkable due to the fact that two of the three narratives also pushed Jinnah Prabhupada's meeting with the Tupah gutch leader back from Soma Tilaka Surya to Soma Prabhupada Surya. I'm not sure exactly why they do this, but there must be some reason. The significance of these narratives is clear in the overall theme within the variations. Each reflects on the ambivalence they feel toward Jinnah Prabhupada Surya, at once praising him for what he accomplished for the faith, showing him as a pious and powerful monk, and yet showing misgivings about his close relationship with the sultans. I can't help but see these dates of these narratives, at least two and possibly all three of which are in the mid 15th century as significant. The Tupah gutch was slowly becoming the dominant order under a new political dispensation, the Gujarat Sultanate, based in the newly established capital of Ahmedabad. Their final success would come in the form of Hira Vijay Sury, whose relationship with Akbar has well known to most Shretambara Jains today, partly because of Deva Vimalas, Hira Saubhagi Mahakkabia. Their need for Jinnah Prabhupada Surya, thus obviated, his expulsion from the ranks of the Tupah gutch, tenuous as it ever was, would come from the polemicist Dharmasagra Upadhyay, who greatly admired Hira Vijay Surya and saw no need to have a competing model of interaction between a Jain monk and a Muslim sovereign. The vehemently anti-Kartara Bhanu Chandragani Charita, or the deeds of Bhanu Chandragani, which is dated to about 1620, gives us a sense that the tenor of the Tapa success against their rivals at that time was nearly complete. Accordingly, the Tapa gutch needs to lay claim to Jinnah Prabhupada Surya's intellectual and political legacy, or the need to do that had so diminished that the polemicist Dharmasagra would excoriate his predecessors, especially Soma Dharma, for associating with this Kartara heretic. As Paul Dundas puts it, Dundas puts it, Jinnah Prabhupada's status as a moral influence upon a Muslim ruler is thus for Dharmasagra far outweighed by his general heretical stance. To conclude, right now it might be worth revisiting that note on Jinnah Prabhupada's hymn to the 24 jinnas with which I opened this essay, as a way of marking a second avenue by which Jinnah Prabhupada was remembered, namely among poets and intellectuals of the Jain tradition, who recopied and continued to comment upon his Kavya hymns. It notes, in Vikram Samvat 1652, which is the year that the commentary was written, is also the year when Hiravijay Sury died. So in fact, the Tapagach connection with Jinnah Prabhupada Surya really appears to begin, or at least has a parallel track, with a note and a commentary on his Siddhantagama stava by one Adigupta. This is more conciliatory and cooperative Tapagha memory of Jinnah Prabhupada that I want to end with here, which evinces an intellectual memory of the monk that crossed lineages and was not subject to the politics of formal biographical or hagiographical writing, but is only traceable in the respect these monks had for him as an accomplished poet. In the opening to the avatruity, the commentator writes, previously the blessed Jinnah Prabhupada Surya daily composed a new hymn before taking any food. He then goes on to state that the Kartharamonk gifted 700 of his own new, lovely and original hymns, which illustrates such techniques of bellette as Yamaka, Shlesha, Chitra, Prazadi, and the like. Two, Lord Samatilika Surya for the purpose of his students' own learning, including the hymn that Adigupta was about to comment upon. He further indicates that Jinnah Prabhupada saw that the Tapa lineage's star was on the rise, blessed by the goddess Padmavati. The story later fed back into Kartharagach lineage histories as the 17th century Patavali mentions, or Kartharapatavali, that is, mentions that Jinnah Prabhupada Surya gave 700 mantras to the Tapa Gach. While the historicity of this exchange cannot be verified, there is a commentary on one of Jinnah Prabhupada Surya's hymns to Mahavira ascribed to A.Somatilika Surya. The hymn is described as a demonstration of figurative languages, or figurative language, Lakshina Prayogamaya, which fits the description of the types of hymns that Jinnah Prabhupada Surya gifted to the Tapa Gach leader. Here, the chronology is correct, and despite the absence of clear dates in these commentaries, we can get a sense of how Jinnah Prabhupada continued to be remembered by this rival order, and how that eventually led to him gaining the status of a, quote, famous monk of the Karthar order. Rather than because of his magnum opus, the memory of Jinnah Prabhupada within the Jain tradition was longest preserved among poets who admired his work. Thank you.


Personal Finance Practice Problem using Excel. Buy or rent home decision problem number one, part number one. Get ready to get financially fit by practicing personal finance. Here we are in our Excel worksheet. If you don't have access to the Excel worksheet, that's okay. We'll basically build this from a blank sheet. If you do have access, there's three tabs down below. There's an example tab, a practice tab, and a blank tab. The example tab in essence being an answer key. Let's take a look at it now. We have the information on the left-hand side. We're going to build our tables from it on the right-hand side, comparing the yearly costs if we have renting or if we continue to be renting versus the yearly costs after we have the purchase of a home. You can also kind of modify this calculation to be thinking about, say, your investing in rental property to think about what the rental costs would be, which could be income, for example, versus the costs for the buying of the home. So you can kind of alter your thought process in that way as well. So remember, when you're thinking about the purchasing of the home, you've got the initial purchasing costs of the home, which is going to basically include the down payments and the costs to get the home purchase process done. And then you've got the year-by-year costs that we'll be continuing on once you purchase the home. That's going to be things like the mortgage payments that you're going to be making, the property taxes and so on and so forth. And you can think about those year-by-year costs in comparison to the rental costs. So we'll calculate those items and then we'll also make our amortization tables on the right-hand side. So on the second tab over here, we've got the practice tab. This has some pre-formatted sales. So you can work your problem here with a little less formatting. And we're going to be over here on the blank tab and we'll basically build this from scratch. Although the scratch is a little bit larger than some of our other problems, that's going to be this information on the left-hand side. If you don't have access to this worksheet, then you could start your blank sheet. You could select, I would start by selecting the whole sheet, right-clicking on it, formatting it, and then making it currency. I usually go with the brackets. I remove the dollar sign and I remove the decimals. I'm not going to do it to this worksheet because I already have these formatted here. But that's usually where I would start and then just put your data, just mirroring your data over here on the left-hand side and adjust the formatting as needed, meaning putting percentages here, for example, formatting them as a percent. And then you basically were at the same point here and we can continue on going forward. So we have the information on the left-hand side. Let's just take a quick glance at it. We've got the rental costs, the annual rent. So this would be something that, of course, we would know in practice the insurance that we're going to be paying. The security deposit we have of the $800 and then versus the buying costs. Now, first, we're going to start off by just kind of giving us some of the information like the annual mortgage payments. If you are making a decision as to rent or to purchase, this might be something that you're kind of considering on different, depends on different purchase options. So we're going to kind of give it right here and then we'll make an amortization table to get a little bit more detail on that. So and then we've got the interest portion. So again, this one is another one that you kind of got to think about how you would get that from the amortization table. And it's something that changes from a year to year basis because the amount that you're paying will vary from the principal to interest. Being important because you might have a tax benefit from it. So we're going to assume the number here and we'll dive into the amortization table to get into that in a little bit more detail. Once we touch on it, that's why it's yellow here, by the way, property taxes. We're going to say the 2100. If you hadn't actually made the purchase, then you can kind of estimate what the property taxes will be based on the homes in the area and the tax structure. And then you got the down payment and closing costs are going to be the 37181. The growth in equity. So equity is the difference between the value of the home and the loan on the home. And there's two kind of things that kind of increase the growth in equity. One is your paying down the loan. But when you pay down the loan, it's not the whole amount. It's only the amount that's going to principal and to hopefully the home is going up in value. And that's just due to the market. No matter which of those we're talking about, the difference between the loan amount and the value of the home is not something we have easy access to. However, at any given time, depending on the economic circumstances, unless we sold the home or we got a second like a refinance on it, which sometimes is easy to do. And sometimes it's not. It kind of depends on what the economy is doing. So insurance and then insurance and maintenance. And then we got the estimated annual appreciation. So we're going to think this is going to be the equity going up because of the difference or the pain down to the loan. And we'll talk more about how we get to that number when we get to the amortization table. We're going to give it right here. And then the S that's why it's yellow, by the way. And then the estimated annual appreciation. Again, that's that's us saying the value of the homes going up. Now, we can't really assume that the value of the home could go down the assumption that the homes only go up is not correct. Right. Because we've seen the homes go down usually under normal times, they go up over the long run. But this assumption that homes never go down, you got it, you got to, you know, take on or consider the risks of home going down after tax interest rates. So we'll take that into consideration and use that. And then the tax rate, this we're going to assume is our marginal rate, our highest tax break bracket, which will come into play. Okay, knowing that, let's first think about our rental costs on a year by year basis. So rental costs and costs. And this is going to be like yearly rental costs. We might want to call it. I'm going to make this a header. I'm going to select three cells here going to make that up my standard header thing, which is home tab font group. I changed my my Excel to not being in dark mode. For some reason, it was in dark mode before, which I kind of like because I think it's better on your eyes. But I changed it because some other thing was in dark mode and I didn't want that in dark mode for some reason. And now this is so if that's, that's why in case you're wondering why it's why it's not in dark mode all of a sudden. So in any case, annual rent, the annual rent we said was simply this 9600. That's going to be an easy number to come by if you've got a rental agreement, not too difficult. We'll put that in the outer column here. We've got the insurance once again, pretty straightforward most of the time for us to pick that up. If we have any any renters insurance with that we have to pick up. And then we've got the security, let's say this is the security deposit.  And what I'm going to be considering here are the are the cash flows, meaning what is what am I losing from basically that security deposit on an annual basis. I'm losing the interest that I could have earned on it because I'm looking at basically the yearly costs. In theory, I would get the security deposit back at the end of my rental term. But obviously, you know, one, they probably going to take it anyways. But two, you know, I can't earn interest on it as long as it's being held by the rental company. And that's what I'm kind of losing. So that's the opportunity cost. So we're going to say, OK, security deposit 800. And what are we losing? We're losing the after tax interest rate, meaning when you're talking after tax interest rate, you're looking at the tax rate or the interest that you think you can earn on it. What you can earn on the 800 if you put it into a bank account or possibly in an investment. And then we're trying to account for the fact that we're going to have to pay part of that earnings to, you know, the government. So after tax earnings, we're going to say are the 6% that's what we're coming up with. That's the idea of the after tax earnings. OK, let's make that a percent home tab number group percent to find it underlining it and font group underline it. And then that's going to be our security deposit interest lost calculation. So we lost that interest because it's in the security deposit and I can't earn any money when it's in there. I'm going to indent here, home tab alignment indent and then indent again, indent. And so I said it's a colon. We indented in the subcategory. We brought it into the inner category to show that it's a sub calculation that we double indented. And I'm going to pull that into the outer calculation to say that's the end of the subcategory 800 times the 6%. So $48 there. Let's put an underline under that home tab font group underline line underneath known as the underline underline. Total rental costs. OK, so there we have it. So now we're going to say the sum in this outer column up. I'm just going to sum up the other column equals the SUM of the rental, the insurance and the security deposit interest lost. So we got a cost of on a yearly basis, we're going to say of the 9,948. So that's our yearly costs there. Let's compare that to our yearly kind of costs on the on the homestead side of things. My homestead. I don't know what a stead is, but it's not just a home. It's a homestead, which I assume is like the property around it and stuff. So I'm going to say, we're going to say, see, let's put a paint brushy here and make this a skinny. OK, so now we're going to go to the homestead calculation. And so this is going to be the cost to buy so cost to buy or not to buy or I should say yearly, yearly home cost. Let's call it. I'm going to make this one a little bit wider. I don't have to go as wide as my head or here because I'm going to have some other stuff. I probably will later, but just to note that and maybe I want to hide these cells because I don't need to see this in between my data. So let's go from column C and go to column F and hide that stuff so I can see my data on the left hand side. Hide that stuff. Por favor. And then we're going to say this is going to be the annual annual mortgage payments. Actually, let's do that with an equal sign. And let's do some headers first. You're getting ahead of yourself. I'm going to select this one and two other cells. Let's make that a header.  Then this is going to be the costs. The costs we're going to say will be let's put a colon there colon. And we'll say this is going to be the annual payments annual payments. I'm going to put that here in column J. And that's going to be the 10,700. Now that's we're going to say is our mortgage payments, which again, we'll do the amortization table so we can kind of see where that is and you might be pulling that from an amortization table. So we could set up an estimate for what we think the amortization table would be, which we would then draw this 10,700 to yearly payments from. And so that we could make it a little bit more comprehensive in that way. We'll take a look at that in a second. Okay, so we got that. We got the property taxes. So we've got the property taxes that we're going to have to pay. So you got to remember you got to pay the property taxes that can be quite significant depending especially if you're in a high property tax area. We got the insurance and maintenance. So we got to take that into consideration when we make the purchase. It's not just the mortgage costs. We got the insurance and maintenance stuff that's going to be in play here. So we're going to make sure we pick that up. So we have that. And obviously, again, maintenance can be quite significant when you're making a purchase versus renting because if you're renting, then you don't have to deal with the maintenance, right? Which is kind of for the most part, at least. And when you're when you're home purchase, then of course, you know, things get old and you got to that could be, you know, significant. So what so and you can get into more depth in terms of how to how to estimate that amount. So then we're going to say this is going to be the after tax interest loss. Let's call this after tax interest lost on down payment payment. Now notice I'm not saying the down payment as basically a yearly cost here because I'm trying to think about what what the costs are on a year by year basis basically after the purchase was made. But what we do want to do on a year by year basis on this year by year kind of comparison is say, well, whatever I had to put down if I had to put this money down, then I'm not earning on it, right? I had to take my money and put it on the down payment. So what I'm losing on a year by year basis is the bit is, you know, the interest that I could earn on that down payment. So I'm going to I'm going to say that let's do that calculation. I'm going to say that we have this if we put this money down the 37181. I'm losing whatever I can earn on it, which we said was our after tax interest rate or our earnings rate, whatever we we want to could be dividends, it could be other types of earnings. That's going to be the 6%. Let's make that a percent. Go into the number group and percentifying it, which isn't a word, but we're going to make it one. We're going to make it a word. We percentified that. So so and then we got the after tax interest lost on the down payment. So we've got then after let's just copy this one and then get rid of the colon at the end and that'll be pulling out to the outer column. So now we should make this I'm going to make this column a little bit wider so I could see it over here so then I can pull this over. So we're going to say this equals then this times that. And so that's the interest we're losing because we had to tie up our money in that down payment on the purchase. So I'm going to select these three. We're going to go to the home tab. We're going to go to the alignment and indent. And then I'm going to go to alignment and indent again. Let's make the cell a little bit wider again so that we see the full payment there. OK. And so then that's going to be our total cost. And I don't really need cost to buy. Let's get rid of this column up top. That's not necessary. That's not necessary.  Maybe I should cost to buy or otherwise no one is like this yearly home cost cost to buy yearly home cost. That's going to be the bottom line. So I'm going to just sum it up on the outside. Sum it up on the outside 16681. So let's put some blue and borders around that if we could making it look nice font group border blue border blue. And then I'll put an underline here font group underline. We might even double underline that one even though that's we're not stopping right there. So these are the actual kind of costs that like these are the you know the key cash flow type of costs that that we would be thinking of. And this is kind of lost lost what you know what we what we couldn't the opportunity costs of putting the down payment in place. So then we can we also have the benefits with regards to the benefits of owning a home. So if for example we've got the equity that could be involved in the home and we could have tax benefits as involved with the home as well. So I'm going to put those into a separate calculation. So I'm going to highlight this. I'm going to go to the go to the paintbrush make another skinny another skinny over here. And so this are going to be the benefits of home purchase benefits of the home purchase. Let's get into that. Let's hide some cells. I don't need this stuff. Let's hide from G to J G to J G J right click and hide it.  And then let's make this our header formatting which is the font group black and white boom boom. OK. So now there's going to be a growth in equity. So we're going to say growth in equity. Now the growth in equity we said was this amount. Now I'm going to I'm going to try to think about the growth in equity in two two different ways. The equity you'll recall is going to be the difference between the the value of the home and the loan cost the amount we owe to the bank, which means our assets are going up when we have that we have more assets as that goes up. But we have to be careful with that one because we it's not a current asset or liquid asset. I can't pay off my debts so easily with the equity on the home. So so I want to be mindful of that because there's two things I want to think about my overall standpoint, my asset standpoint and how much I could sell the home for. It's great that it my equity goes up. But I also need to think about my cash flow just to think make sure I got the cash flow to pay off the bills. And this doesn't really contribute to cash flow unless we were to refinance the home, which might be doable under most normal conditions pretty easily but not really easily. And then under some conditions that won't be that easy to do at all. It just depends on the economic conditions and where there's two components to that difference and one you could think about the loan. So we can kind of assume we can kind of hope that the home doesn't go down at least stays where it's at and hopefully goes up in value. So as we pay off the loan, then the amount that's going to the principal is going to decrease the liability that will increase the equity. And then the other side, hopefully the value of the home goes up based on the market value. That's a speculation though, because we don't really know how much the home is worth until we sell it. And given depends on the conditions that we sell under. If we're under a stressed conditions, we're not going to get the market price of the home because we need the money at that point in time. We're going to be ready. So you got to be a little careful on the non liquid stuff. I'm going to put this in the outer column here. So we'll talk more about where to get that money or that number from. It's a little bit tricky to from year to year if you're talking about the decrease in the equity from the loan. So we'll talk more about that shortly. And so then we got the estimated annual appreciation. So this is the other kind of difference in the equity that we're going to talk about from just the value of the home going up. And it's just an estimate. We can't we cannot guarantee that the home value is going to go up. We're hoping it goes up. But you know, there are times that it goes down and the fact that it goes up doesn't mean that it couldn't just drop, you know, all of a sudden. Right. And then so because we haven't realized the game and you realize the game by actually selling the home, you know, at that point in time. So in the case so we got the tax savings for interest. So we got tax savings for interest. So brackets this this is going to be because we get deduct possibly the mortgage interest portion of the mortgage payments. Now this is another one that you want to be very careful about because you know there's it's more complex than just saying I'm going to multiply the interest times your tax rate. Because if you were not itemizing before, meaning you were taking a standard deduction, then the this the loan is usually what kicks people over from going from standard to itemized deductions. And that difference between the standard and itemized deductions isn't really giving you a tax benefit. It's only given you a tax benefit over and above what the standard deduction was. So you really want to do an actual tax plan on this talk to your tax preparer or get the software and look at what the actual dollar difference is on your tax savings. And you want to also think about it from year to year because the interest will go down as the loan goes down. So it's not like you're going to get the same savings for the whole 30 years plus the law could change as it did fairly significantly a few years ago. And so so you can't really depend on it completely as well to be a deductible thing. So you know calculate it figure it in there.  Don't just think that well I have to buy a home because the government wants me to because they give me a tax benefit for it. That's not the government's not your friend. Don't they don't don't don't think that they're trying to trying to you know you want to buy a home just because of that. So we're going to say a home tab and we're going to go number and put the brackets. So there it is. Let's put an underlying here font group and then underline that. And then this is going to be the tax savings for interest interest interest. Okay let's put this in the in the in the outer column now. This is going to be equal to the 8000 times 28%. Also note this 28% is usually like the marginal rate, meaning we have a progressive tax system. So we have multiple rates that you're taxed at. And usually the next dollar would be the thing you're going to be taxed at meaning your highest tax bracket. That's what the that's what the change is going to be at at that highest tax bracket. But again do the get the software talk to the tax professional get the actual dollar benefit with a projection. And then you want to think about how that's going to change over year to year. Okay stop preaching on the stop just do the problem. So we're going to say alignment indent. Okay and this is going to be then tax savings on property taxes. So we got a similar kind of thing with the property taxes because they're often deductible as a state tax on the federal tax return. So we're going to say property taxes are then that 2100. This is the other thing that often pushes people over to itemizing. That's why people that own a home are typically more likely to be able to itemize. But again there's severe limitations on the on the state taxes, including it being capped at 10,000. So that includes property taxes and your state income taxes. So you might run into that cap as well. And again you got that same kind of thing from the standard to itemize deduction. So run the projection run the software run the software.  It's you know it depends it depends. So we're going to go to the home tab number group percent font group underline and this is going to be tax savings. And we'll double click on this and get rid of the colon. Let's indent and indent alignment indent and then alignment indent and do our multiple multiplication. 2100 times the tax savings of the of the 28%. So then we've got the tax savings of the 588. Okay, and then we're going to calculate the benefits. Benefits of home purchase purchase. Let's put that right here and then we'll sum that up equals the SUM summing it up. And so we've got the 6528 and let's put an underline here we're going to go font group underline. And then I'm going to put some brackets around this brackets and then we're going to do that making it blue. So so of these notice that these two you can't really rely on there's this isn't really cash flow even though you have a tax benefit in terms of your overall asset standpoint. These two if you got them correctly calculated are kind of like cash flow savings that you would have on it. So just be careful on that to you might want to kind of distinguish the items that are going to be cash flow benefits versus other assets like equity in the home benefits. Let's unhide the cells between B and K so BK right click on hide. And so then this is going to be this is going to be the cost less benefits of home purchase. So let's subtract these two out we're going to say this was the cost minus the benefits. So there's the 10153 net. And then if you take into consideration the equity the equity items I'll pull those out those are equals the sum of these two these two which aren't really cash flow items. Then you could say you know like more of the cash flow items are going to be equal to the 10153 minus the three seven. So so actually I would say 10,000 I'm going to add those back in this plus this right so then we've got the 138 53 and then again these two we're hoping the equity is going up but like this one in particular we can't depend on and even so it's not like it's going to it's not going to be a cash flow item right it's going to be another asset kind of item which is why you might want to break it out thusly. Just to indicate that let's make that like that and let's put an underline here font group and underline it. Okay, let's do a spell check as we're going here review check the spelling equity equity that wasn't bad that's all I misspelled. I'm doing better. Okay so like next time what we'll do is we'll create our amortization table and that'll help us to think a little bit deeper on these items and it'll also give you some ideas that you might be thinking of building you know your amortization table which from which you will pull these items in your data set and then go forward with with like these types of calculations on the on the year by year items so we'll talk more about that next time.