Good evening and welcome to episode 343 of the Private Property Podcast. I'm your host, Uzaman Dongwa Khumalo. Welcome to the Friday edition of the Private Property Podcast. If you're joining us for the first time, welcome to it. You've chosen a Friday and a very exciting topic to join us for the first time. Welcome to the family. We're here every single weekday at 7pm talking all things property. We love helping you along your property journey and catering to all of your property needs. Remember to also go on to www.privateproperty.co.za, certainly to get a sense of some of the property needs that we cater to because you'll see we cater to all of them. Whether you're looking to buy, build, sell or of course looking for some advice, that is your one-stop shop for all things property. And to our regular viewers at home, welcome back. It's a Friday, so I'm back on your screens. And of course, I love, love, love hearing from you. Whether you're watching this on Instagram or Facebook or YouTube, do show us some love down here below, the green hearts. And of course, the mark this evening's registered. I want to see who is live, who is watching. And of course, who's excitedly waiting to see who the potential lucky winner of our daily cash prize is. And of course, if you want to send a chance of walking away with the 500 grand cash prize that will give away every single day on the show, all you have to do is to, of course, enter the competition, send a comment to the post, to the pinned post on our Facebook page. And you send a chance of walking away with the cash and also watch us live. And all you have to do is if we call your name live, then you want to drop us a text down here below before the end of the show. And you get to walk away with that cash prize. It's that easy to walk away with some cash right here on private property. And something else that's very easy, of course, is the whole host of different shows that you're able to tune into every single weekdays at 8 p.m. It's a Friday, so you can look to the home shoppers show that Chad brings to your screens every Friday and Mondays. So if you're in the market for a property or looking to see how exquisite properties look like in the interior, that is a show that you want to tune into. And if it's Tuesdays and Thursdays, Baalino Gop brings you the farming podcast and all things agriculture and Wednesday's SD classin brings the first time home buyers show for you on Wednesdays. And of course, this is myself every single weekday at 8 at 7 p.m. I am on your screens always having a conversation with a property expert who helps us make better property decisions. And that's exactly what we're going to be doing this evening. So do make sure you follow us across our social media platforms, private property, from your LinkedIn, your Facebook, your Instagram, Twitter, your YouTube, as well as on TikTok. You can follow myself as I'm doing an underscore on Instagram as well as on Twitter.  We're looking at tax on rental income. And the one disclaimer I always say is firstly, I'm not particularly great at tax. I didn't study anything remotely close to understanding the accounting side and filling your tax returns. And I often berate tertiary institutions for taking us through a whole degree when you can even go up to master's level with the majority of degrees. And never be taught how to do your taxes. And I always say, well, if you don't teach me how to do these things, how are you expecting us to file our taxes? And I think it's probably one of those things that needs to be taught sometime in school, if anything, at a high school level. Because I think not everybody is going to go to the university, the college route, and the reality is some people even leave great man, they find work and going to have to contend with some other tax-related thing. So I've had to always get professionals to help me in this regard. And I think that's one of the things that already from the battle, say to everybody at home, who has rental property is don't do it yourself. That's the note we're going to start this evening's conversation on. But to help us get a bit of sense on our tax on rental income, I'm joined this evening by Vessel Robertson, who's a director at Irinstein from the Marva Attainees. Good evening, Vessel. And thank you so much for joining us on the show. Good evening, Zama. Thanks for having me.  I am not particularly great at taxes.  I remember when I started working, there was actually I think a two-year period when I didn't file my taxes. The first time I filed my taxes, it was on the last day and it was because my mother said, I haven't seen you talk about doing this. Why haven't you done it? And then the two years after that, I didn't because I thought, well, I mean, I see the deduction on my payslip. I didn't really see why we have to file our taxes. And I admit this because I think it's one of those things that many people probably also think when you don't have additional incomes in the early years, you're just like, okay, yeah, I see it. It's there. So why must we still continue to file for our taxes? But of course, we're looking at tax on rental income because this is a particular kind of case. I think first at a high level, when we look at how taxes, even tax on rental income is viewed, what are some of the basics and fundamentals that viewers at home need to understand about tax on rental income? Osama, I think you firstly hit the nail on the head. As they always say, there's two certainties in life and that's debt and taxes. So one would have thought that we would get a better education as far as taxes concerned in our lifetime. But I suppose it's sometimes, I don't know how the logic works behind the education curriculum, but let's leave that for people more intelligent than myself. But as you correctly pointed out, rental income is a form of taxable income from Saas perspective. And they obviously, they want their slice of the cake in as far as that's concerned. So I mean, when an individual rents out a property and he receives a rental income from that, that income would be subject to income tax. Now, I mean, residential accommodation can include an array of properties that's your holiday homes, your traditional bed and breakfasts, your guest house, even if you let out a room or a garden flat from your primary residence, that's also a rental income or similar dwellings to that extent. So from Saas perspective, if a third party pays you money for that, that is income in your books. So over and above, if you're a salary earner and you do these rental income as a side business, obviously your employer will already deduct the necessary pay as you earn and that obligations or tax obligations towards Saas. But once you do your annual tax returns, you would need to include this rental income to ensure that the books are all square at the end of the financial year. You know, Visel, we actually mentioned the other types of, I'll say rental properties that we sometimes have that I know people probably don't think to declare that as income and we'll get to that a little bit later on. You know, when you have, for example, your garden cottage or a room and I've seen different ways people find to not declare those taxes. I want us to look a bit later on in the show about what not to do in circumstances like that, especially now. I think if anybody has been seeing some of the activity, particularly from Saas, is that they are watching and they will collect their money, you know, and you don't want to be on the wrong side of the law where this one is concerned and later on, possibly, you know, pay all kinds of penalties. So that is something that we have to mention because I mean, a number of different kinds of groups on different platforms where, unfortunately, sometimes, landlords share tips that they should not really just circulate things, they should not be circulating. So I see it and I really want to say to my viewers that I do not do that. So then, Vaisal, when we look at, I want us for today's conversation, you know, and I was saying to you this too of a, I want us to concentrate a lot on people who have bought their rental properties in their personal capacities because I think a lot of us, myself included, when we started our property journey and still on the property journey, a lot of our rental properties or certainly the earlier purchases are often in our individual names and so that tax is, I mean, that income essentially adds on to whatever other incomes that we have and typically would be, let's say a nine to five and you work a normal job, perhaps just help us understand that implications of that additional income before we then even look at potential deductions because I know there are different ways where you then file your taxes and the expenses on the rental property. But I think some people at home don't understand that if you are, let's say, you know, a salaried worker and you are, let's say, the annual cost to company is 500,000, if you're then collecting 200,000 worth of rental, you know, in addition, then you're now in that, you know, in the 700K mark. And so sometimes if you even push up your, your tax bracket, just, just help us with that one because I think that, that's so, that's the, that we, we miss in the beginning that sometimes costs us money, unfortunately, especially if you move from the tax bracket, you were at, let's say you were on the slightly higher end of the previous one and now you're on the lower end of the next tax bracket and the potential cost where that could be. Zama, yes, that's it. I think that's an interesting one. And I mean, as you correctly pointed out I think most individuals who tend to, to lean towards property development normally buys their first property in their personal name. That in itself, it's, it's not a, it's not, it's not, it's not a right or wrong question. It's, it's completely fine. And I think it's a natural occurrence. You know, for the simple reason, you might contemplate to register a shelf company to buy your property. But the reality of the fact is, is that that shelf company has got no financial track record or history. You know, when you apply for finance. So in all likelihood, when you apply for finance, the banks will in any event ask who's the directors, who's the shareholders. And if they give you finance in that company, you will in any event have to sign surety. So, you know, whether or not that property is held in your personal name, you're still on the line for as long as you owe the money to the financial institution. I mean, there's various pros and cons. I think, you know, the biggest, the biggest problem actually when it comes to the tax implications, depending between your personal capacity and a company is more applicable almost when you sell the property and you've made a profit on it. Because then you then you move into the realm of capital gains tax. And, you know, the problem unfortunately, so where the property is held in a company or in a trust, the capital gains that is charged is exceptionally higher compared to capital gains in your personal name. Not to even forget about the added benefits that where you speculate with properties, but that property serves as your primary residence at the time you sell that property. There's a threshold where you are exempt from capital gains tax, 1.5 million, if I remember correctly. But I mean, owners needs to be cognizant of the fact that that rental income can potentially push you into the next threshold as far as the tax brackets is concerned. And that's then where we need to distinguish between the importance of tax evasion and tax avoidance. I think that's what we also touched on earlier regarding the questionable advice that was handed out in social media or on various forums.  There you are dodging sales. You are not claiming income you are supposed or not this claiming income or disclosing income you're supposed to do. And I mean, that can cost you much at the end of the line of sales was to get you on their radar. The more legitimate one and which is completely acceptable is, of course, tax avoidance, whereby you use the tax legislation and use, I wouldn't call it loopholes, but use the legislation as it stands to your advantage in order to allow for certain deductions from that rental income. And in that manner, reduce your taxable income to ensure that you stay in the relevant tax bracket to legally minimise your tax which is completely that's an accepted practice across the world. Of course, this evening, I see all the love that we're getting on our Facebook page, especially Petruinda is watching what I'm doing, saying that's my stream. I love everything about accounting. Well, rather you than me, but I, you know, when I finished accounting in high school, I did it as one of my subjects. I was like, Oh, good riddance, good riddance. But unfortunately, I have been countering it in postgrad. And I must say, I'm not, I'm not a big fan of having to do the work. So it's always good, of course, to see people who love it and it is their passion. I always say to people, always have an accountant as one of your friends because they certainly do come in handy. Howard McGatzane is saying the crux of the subject matter being taxation. And of course, this is a big one with property, right? Because you want to have a fundamental understanding of this. We talk a lot about what to do in acquiring a property, the research that you need to do, what you need to budget for, but also need to understand then the implications of having a rental property as much as possible. Because this is one of those things that you need to be on top of. And I like that Vistle even mentioned the difference between tax evasion and avoidance and some of the the deductions that you're able to get. And after the break, we're going to deal with that but just a bit, we're going to be dealing with that. As you can see, I'm getting distracted by some of the great messages that you have sent us and want to give certainly a shout out to so many of you on our Facebook page who are watching Bungalini, Bimabunda, Selanipile, greeting the family there, Sandy Stemmit also tuned in and of course, Justin Bartman is also watching absolutely loving all the comments and the love do keep it coming down here below. I want to find out from you at home, you know, are you on top of your tax matters? You know, sharing really onto the show that I have two years of missing to do my tax returns and luckily, this was very early on in my 20s. So there are no properties in the mix at all. And by the time I had to do my taxes, I'll say the third time was when I now, the fourth time rather was when I now actually had properties and had to file my taxes and my accountant picked up that, wait a minute, what happened those other two years? Because SARS is now asking about those other two years when you didn't do your taxes. And I had to say, look, there was nothing to declare.  And I think that's some of what a lot of us in the early days who start working and you don't have an additional income may sometimes think. I want us to go for a quick break and we'll come back. We'll look at, you know, the difference between tax evasion and avoidance as Vissel has mentioned it. And then of course, what some of the, you know, deductions that you're able to probably factor in or the different ways that are involved when we talk about tax avoidance. Let's go for a quick break and see who the potential winner of our cash prize is this evening. I hope they're watching and can claim their prize. I think it could be such a great way to end off the week and certainly kickstart your weekend. And the lucky winner this evening is Omkulu Nguenya. Omkulu Nguenya. If you are watching us this evening, do make sure that you claim the cash prize that's Omkulu Nguenya. I think the money bag, how much is it sitting at Biala? I think it's, is it sitting at 1,000 rounds? It's sitting at 500 rounds. So that's 500 rounds in the money bag. So Omkulu Nguenya, if you are watching it, do drop us a text down here below and claim that cash prize this evening. And if you want to be just like Omkulu Nguenya, all you have to do is to comment on the pinned post on our Facebook page. And of course, you stand a chance of walking away with that 500 rounds cash every single evening. And if we don't have somebody who claims our money, the money goes into the money bag and the money bag just keeps on growing.  This evening, we are talking about tax on rental income. I'm joined by Vissa Robertson. Who's a director at Edelstein from the Madover Attorneys. And before the break, I was talking about the difference between tax avoidance and, or mentioned rather, you know, that these tax avoidance and tax evasion, and as we know, tax evasion is not legal. I think Vissa, you know, at a high level, let's see what is the difference between the two and let's explore what then the, we'll say the loopholes are the great areas where you're able to use the law or the, you know, the legal parameters to your advantage when we talk about tax avoidance. Zama, I think on a very high level, the simplest example I can think of as far as tax evasion is concerned is to use the simple example of a tenant paying a landlord cash for his monthly rent and the landlord, obviously not banking that money for purposes of avoiding a paper trail or banking records. And as such, you know, it's out of sight, out of mind scenario, you know, I suppose it's very difficult for source to pick up on cash transactions.  And as such, you know, you're not paying source what is due to them. And I think that is a clear cut example as far as tax evasion is concerned. Now, tax avoidance, you know, because that's the legal method, you know, I think source is at least somewhat realistic to say, listen, the income doesn't just fall out of the sky. You needed to incur certain efforts or you needed to incur certain expenses to ensure that you can recover that income. So in order to be just and equitable, we will allow you to deduct those expenses that have been incurred in the production of income in order to reduce the net rental income that you earn, which in turn reduces the net taxable income on which you are taxed at the end of the financial cycle or year. So that's your tax avoidance on a high level. So like I said, specifically for the production of rental income, I think the most important distinguished point of distinguished that we need to make there is that it doesn't relate to improvement to the property, a capital expenditure on the property. So where you improve the asset and you build on an extra garage or you build a swimming pool, that's obviously high capital expenses and can fairly quickly diminish any rental income you received in a financial year. So SARS would say that's not a deductible expense in all likelihood in future that will in any event give you the opportunity to earn a higher rental income because of those improvements on the property. So it's to your advantage in the longer scheme of things. So, but as far as your traditional expenses is concerned, you know, that's all fair play as far as SARS is concerned and that's wide ranging as well. I think if we look at the most simplest expenses on a rental property, your rates in taxes that you pay towards the municipality, that's a deductible expense. If you live in a block of flats and there's a homeowner's association, the levies that you pay towards the body corporate, that's a deductible expense. If you made use of estate agents to advertise the property, to find a suitable tenant, that's a deductible expense. Simultaneously, you need to protect that asset against fire or theft or water damage. So you need insurance. Insurance is a deductible expense. Your garden needs to be maintained, that's a deductible expense. I think one of the most important deductible expenses that people tend to forget is the interest on your bond. On the bond, yeah. 100%. So that's also an expense. That's money you're borrowing from the bank. You're paying them interest on that money and that's a deductible expense. And I mean, that normally equates to a very interesting debate amongst property developers because I think normally most of us was taught you need to fear debt, you need to avoid debt and if you have debt, you need to pay that debt off as quickly as practically possible. But from a practical perspective, considering tax deductibility, that might be your detriment. For the simple argument, if I buy a property cash, so I don't owe the bank any money, that's less expenses that I can deduct on a monthly basis. However, if I have my bond and I've got the interest I'm paying monthly, I can deduct that interest from my taxable income. So theoretically, there's not really an incentive for you to settle your bond sooner than what is necessary in order to maximize the benefit that you can achieve from that deductibility of the bond interest. And going to your questions and comments at home as we're talking tax on rental income with Vessel Robertson who's a director at Edison for the Marlborough Attorneys and the Adams, I am sure you're covered now and they were saying, thank you very much for an informative session. Please show all the advice about tax avoidance. We've certainly, Vessel has given us a really great breakdown of some of those deductible expenses that we should be aware of and also what doesn't constitute a deductible expense because I think a lot of landlords want to upgrade their homes and you'll sometimes get a contractor in who inflates the scope of the work because you think, look, I'll be able to have this as one of my tax deductibles. Unfortunately, it doesn't quite work like that. And we've also got here Rochelle Avidi saying, I'm honored to have a boss like Vessel. I learned a lot from him. Thank you, Vessel. So that's somebody who works with Vessel there at the law firm. And we've got Howard Magazzani here on Facebook saying, your best bet is to only slightly go on shortfall and declare losses. Your rent can be less than the repayments, refinance any property with high surpluses. So that probably speaks to how you structure it, right? And I think it's a... I see Vessel, do you want to come in there with a comment? I can't already see.  Yeah, that was an interesting comment there from the viewer. Look, I think a lot of people wrongfully have the impression that you can just for years on end incur this multiple amounts of expenses and, in such a way, reduce your taxable income. You know, unfortunately, I don't think it's as simple as that. SARS makes use of what they refer to as anti-avoidance measures, specifically for these type of practices as far as rental income is concerned. So, you know, that's an intricate piece of legislation. We definitely don't have enough time to go into detail as far as that's concerned. But on a high level, what SARS would do in those circumstances, if you year on year record losses on your property, you know, SARS would come in and say, listen, I think what's going to happen is we're going to ring fence your losses as far as this property is concerned. You're not going to be allowed to offset it against the remainder of your taxable income. If ever in future, you have a taxable income on that rental property, by all means, set it off against the ring-fenced losses, but you can't have these losses year on year for the lack of a better description, artificially reduce your taxable liability towards SARS. I think that's also, like I said, it's an anti-avoidance measure and on another level, a similar form of tax evasion. We had a great question from Umea Ziboutelesi asking, where do you report landlords transacting in cash with no receipts? You know, we're talking about this. You're mentioning this earlier, that part of how people, landlords in particular evade taxes by using cash with their tenants and obviously not declaring it. So where would somebody go to report a landlord who does this? Some of that's, once again, a difficult question. I think the mere fact that you mustn't put the cart before the horses. The mere fact that a landlord collects the rent from you in cash is not in itself, you know, prima facie proof that he is avoiding tax. For all she knows, he hop skipped and jumped right straight to capital, right after that to deposit that money into his bank account and there's a proper paper trail as far as that's concerned. So I would be careful to make unmerited assumptions as far as that's concerned. But assuming you've got all your ducks in a row and you've got the necessary facts, I mean, normally once you have a rental agreement, it's obviously preferred to have a written rental agreement in place. There's nothing wrong with a verbal agreement, but I would normally advise clients, you know, it's always difficult to dispute a verbal agreement in a court of law. So the written agreement, you know, remains stride as far as I'm concerned. So normally in a written agreement, you would have the information insofar as it relates to the landlord. And if you suspect your landlord of tax evasion, I'm pretty sure your nearest source office would find that information valuable. And I think insofar as you've disclosed it to them, you've complied. Well, there's no legal duty on any individual of South Africa to report the crime, but be it as it may, once you've reported that, I'm sure they will investigate that. I think you would probably be wasting your time going to the closest police station. The police station would say that's a civil or a commercial crime matter. It falls outside their jurisdiction. So I think that would be your best line of approach. Visel, I'm going to ask you something that I've heard a landlord say before and upfront to their defense, I'll assume that they were not doing it to be malicious or to evade tax. And I know it was very early on also in their own property investment journey. And so what this particular landlord had done is they have a normal nine to five job and they had bought, I think it was one or two rental properties at the time. And they obviously have their primary bank account that they transact with on a day to day basis. But then they went and opened another bank account also in their personal capacity with a different financial institution that they wanted to use to collect the rental. They just didn't want to conflate all the rental money with their everyday money. Nothing wrong with that. Come tax season, they submit their tax returns and they had not declared firstly the income from the rental properties. And I think to their surprise, SARS came back saying, hey, but you have this other bank account with this other financial institution, we're seeing it here. And we know that you actually have other properties because we're seeing it here. So it's not, you've got three properties. So what's happening with these other two? Are there incomes? If there are, is it in that other bank account? Just talk us through that because I think sometimes we're then naively so because I can only position it as you're being slightly naive because SARS obviously has access to the number of bank accounts one would have. So if you're naively thinking, SARS won't know that you've got a bank account with financial institution X and Y and potentially collecting the additional income, the other one and not your sort of day to day one, help us understand that one. Because I think, like I said, I'm going to assume they're not trying to evade tax even though I know some other tips to say, just open another bank account, have that money go in there and the bank account you communicate to SARS via this bank account, they're not going to find out that there's another bank account that has these funds. I think let's dispel that because newbies make this error and there's some perhaps because of ignorance but some because they think they can evade tax in that way. Zama, yeah, that's a difficult question for me to answer. I've never been employed within the offices of SARS so in so far, their intricate workings is concerned. I'll be speaking as a complete layman and it will be thumb sucking from my side but I think the reality is what people tend to forget is when we buy properties, records of that get registered with a deed's office. I mean, there's an official public record of you owning a property. You cannot hide the fact that you own an immovable property in the Republic of South Africa. You can do some fancy legal footwork and register it in a company which shares of the company is held by a trust and you're the beneficiary of the trust. That's all good and well, you can put various layers between yourself and the property but there is an official public record as far as that property is concerned and I think it becomes even more problematic where you are the owner of multiple properties. Then especially you are on SARS radar. I mean, I'm sure they target specific net worth individuals as far as they feel that that's the most likely possibility of them recovering taxable income and if SARS, I don't believe it would be too difficult for them to do that type of audit or a lifestyle audit and come to the conclusion that you own three, four, five multiple properties yet you are accumulating year on year losses or it's not even reflecting. I see you've got a 95 job. I see you've submitted your payers, you earn all your tax returns for value or financial manager at the work. That's all good and well but there's these two, three other properties. I think SARS will find it strange that you've got two, three other properties and there's no income coming in from that. I mean, I don't think the average person has got the luxury of being in that position to maintain the financial responsibilities yet not having any financial income derived from that. So I think that would be the type of red flags on SARS side and that would also depend on what the audit outcomes would have been in previous years on your tax submission but that's, I would call that an educated guess from my side. I'm yet to see the intricate workings of the SARS office. Yeah, and Viceroy, I think one of the things that I also realized, I only started getting audited by SARS after getting the properties. So prior to that, I think I submitted that once. We missed the two years. The moment I got the properties, then started getting audited and I think the benefit was because I worked with a professional who did the work, it was easy then for me to manage and it's always a clean audit and they're happy with it. So you do also need to understand that the moment property comes in, they will scrutinize what you have submitted and if, as Howard was leading to earlier on or pointing to earlier on, when you want to rather declare a loss, they will audit to actually get a sense of is it in fact a loss or are you thumb sucking? They'll want to see all the proof that you're submitting as far as the calculations that you've also made. So those things are always important to pay in mind. But Viceroy, as we wrap up this evening, any tips for our viewers at home who obviously have rental properties when it comes to handling their tax affairs on the income on their rental properties? I think Zama, in summary, when it comes to property ownership or multiple property ownership, there's an array of factors that needs to be taken into consideration. Obviously, tax is just a small piece of that. There's questions to ask regarding security or how do you protect your assets in the situation of an insolvency or a sequestration or from a state law when you pass away. What is the best structure to hold your assets in to also minimize your tax obligations at date of death and ensure continuation of your assets to the fellow business owners or fellow family members? So you've alluded to it during this entire podcast and I think I agree with you. It's with imperative importance and I always say focus on your strengths and all your weaknesses. It's imperative to get accountants on your side. It's imperative to get legal professionals on your side. I mean, it's always from the accountants and the lawyer side. People are quick to complain about an expensive hourly tariff, but I think that's a small price to pay to sit with such a professional for an hour or two or three and make sure your affairs are in order compared to not doing it and having to pay excessive school fees and having to battle with SARS or other issues at a later stage. You know, it's easier to do things right at the beginning as opposed to having your accountant or lawyer coming in after the fact and play proverbial janitor in trying to clean up the mess that's occurred. That's normally a much more expensive exercise. That's all that's where we're going to leave it at this evening. Thank you so much for joining us on the show. Thank you very much, Zama. And that is Vistle Robertson, who's a director at Edelstein for the Madover Attorneys wrapping up the Friday edition of the Private Property Podcast with myself, Ozama and Dunwoa Kumailo. The team has let me know that Kulungweya unfortunately did not claim that 500 Rens and so we're going to have a roll over and of course 1000 Rens is now in the money bag for Monday evening. That's where we're going to leave it this evening. It has been a pleasure to be with you this week. You can look forward to the Home Shoppers show with Chad at 8 p.m. I'll be back on the screens on Monday at 7 p.m. Hope you're going to have a great weekend and as usual, hope you'll be staying home and staying safe.


They should have trusted me my friends. My name is farmers market today It's been a while since we've done Frederick's Asian kitchen and I realize that we haven't even done an Asian recipe What's up with that? That just shows the whitewashing of myself But I do have some Asian roots and if you've watched my vlogs in the past every time I go home I always eat my mom's dumplings because they're the best thing I've ever tasted they're better than all other Dumplings on the planet. That's biased but like I'm right and it's just like a bonding moment Like it's increased rich Asians. There's the dumpling scene It's the recipe that's been passed down from my parents to me to my cats in the future No children any time soon. Nope. Don't think about it And I thought it'd be nice for me to share it with you because uh, I'm congenial And this is my active community service, but it's not easy to make they require some you know some Yeah Why do you watch me and it's time consuming so you this helps you learn how to respect the process because I think everyone takes Them for granted buying the prepackaged ones is not the same going from scratch. It's the best way though We're gonna do this in two steps We're gonna first make the filling and then we're gonna add seasoning and then we're going to mix it So there's four steps to make the final product You have to first make the filling then you add seasoning and then right after that You have to form them and then if you want to you can store but usually you immediately boil them I prefer boiled dumplings. I don't like the ones that are pan-fried to be honest So the Sun will set by the time we're done things you'll need for step one are chives mushrooms Napa cabbage your choice of meat, which is usually pork shrimp or chicken We're using chicken and shrimp today You also need salt and something to squeeze water out of which I will get to and also like 80,000 bowls You also need a bowl to put your mixture in which I'm gonna put to the side because this Napa cabbage is appearing as white on camera First step is make sure you have clean hands. None of that nasty grimy filthy bacteria Infested phalanges and we're gonna start off with all the chives So I have about one and a half pounds right here. We eyeball it at this point We don't measure this but if you want the exact recipe It's around one and a half pounds and I'm going to do it in portions because you don't want to do this All in one go or else you will never finish it because this is a lot of chives and this is when you have to stand up and Do this because you need a lot of pressure to be able to cut through everything fast You have to stand up for this some of you might ask why I don't use a food processor It doesn't do it evenly unless you have a great food processor I wouldn't recommend it and plus it's a good workout. They didn't have food processors back in the day Okay, now you're probably wondering Frederick. This is a lot of chives This is your first batch out of three that you have to make why well We're making like 16 servings with the dumplings and chives can become very small when you cut them Also, we tend to have more vegetables than meat in our dumplings But you can vary your recipe if you tend to like meat more But you want to chop it until it looks a little bit like that the smaller you go even better Also, this is not my ideal choice of cutlery, but it's my favorite one because it looks cool So once that's done, you're gonna put it in the bowl. This is basically going to be our main ingredient So you want to put it first so that you can mix it in better Also, make sure you have an extra tablecloth underneath your chopping board because there's gonna be some fallout. Oh Like that and it will definitely stain your chopping board I had a bunch up the chives as easy as you can so they can get a better slice The end parts are obviously gonna be harder, but you can at least get the beginning done There's a lot of banging and clanging going around here, but it has to sound like you're literally going to break the table That's when you know you're doing it right that step alone took me around 15 minutes to do just because you have to make Sure, there isn't any Long strands if you want to be perfectionist about it, which I have to because my mom is going to judge me when I'm not doing it Right, we're gonna chop up some mushrooms now But you're just gonna chop these around the same size as the other ones so around that size This is going to not only make it feel more greedy when you bite into it But it adds good nutrition because we are all about that in this family You can make these vegan too You can literally take out all the meat and replace it with mushroom or your own choice like tofu too Just make sure it's firm tofu none of that soft tofu Let me know if you hate soft tofu like me and because these are soft here you can just Okay, the third step I think is one of the most time consuming it's all of this So Napa cabbage holds a lot of moisture inside and when you add salt to something that contains a lot of moisture It draws the water out for a dumpling mixture You don't typically want to have too much water content Did I mention make sure you wash everything beforehand because it can make your dumpling explode when you boil it So you want to draw the moisture out by adding salt once you chop it up And the way you do that is by squeezing it with your bare hands a lot of times And then you drain it through a cheese cloth or any other type of cloth So you first want to cut it pretty small not in strands but more in like little cubes And then you want to have an extra bowl handy because you're about to place all of it in And yes, you must chop it so that the bottom part of the Napa cabbage isn't there These are all individual leaves So I literally don't have a bowl big enough for all of my mixture This is what I have I'm going to split each one into two parts And I'm going to add around four teaspoons of salt to each One two three four and then you're going to buckle up Crack everything you can Oh And you're going to literally do this you're going to crunch it together until all the water comes out So let me show you what it looks like before and then This is it after do you see how the volume changed? That's only me doing it for one minute And we're going to switch to the other one because if you let it sit more the more water comes out And you can get it to be even smaller As you can see there's a pool of water now right there all of that Oh Jesus all of that came from the lettuce and you want to get it all out So once you're done with that what you're going to do is get a thin cloth You can use cheese cloth or just a regular table cloth that you know water can go through You're going to place your mixture in also if you got like a paper cut on your hand Don't do this it will hurt because the salt will get into the wound. Oh, that's a phrase Mmm ready. Watch this. Do you see how much water is already leaking? Watch this Hello, isn't that so cool? It's like milking lettuce if you've made almond milk before this is the same way So you want to squeeze this till the point where no water comes out or very little water comes out What I do is tie it together at the top and then push down if you're using cheese cloth I would do double cheese cloth because you'll probably rip it. You have to be pretty aggressive I mean look how much water is in there. Yes. Oh, Jesus. Stop it. You get my point As you can see my hands are getting purple now from how long I've been doing this Okay, I think I'm done with this one when you unravel it It should just form a nice pretty ball. See how perfect it is. You just place it right on it Now you have to do with the other batch This thing is just leaking oozing spilling This bowl is almost filled with water. The good news is if you have an extra bowl You can start using it to help you by pushing down and as you push you can just Do that Okay, I think I've reached the max with this one too. So let's see if it makes a ball. Look at that Plop, they're like big boobs So all the water must be thrown away You don't want to pour it on your plants because there's salt in there. Last step is your meat So it's hard to dice raw meat. I mean it doesn't look like it's diced But basically you want it to look like it's almost a paste and we have around one pound worth of chicken and shrimp Also, the shrimp has water content too I'm gonna first do the chicken and you can obviously do this with one knife But if you're a dual wielder like me This is your favorite part. Here we go. And yes, I said dual wielder It's actually not easy to do it on a table. You want to do this on the floor Why is it easier on the floor because you get more pressure You hear that beat So because this is really hard to cut through you have to do many layers. So you just do this You fold it inwards and then you reach up Oh starting to sweat up in here and my hands are purple So you'll know when it's done when there's basically no resistance and all the tendons have been broken So like this right here that that white film is keeping that Part intact You'll know when it's done when you can do this when nothing clings to each other and it just falls And you know what's so fun? You can just do this Look at that I'm gonna get the shrimp now and place this into the mixture shrimp is easier Just make sure you get ones that don't have any shells on them and heads and you also turn into a paste Just be careful though.  Look at this compare it to my head. She uses this exclusively for dumplings But what we need to do part two of the mixture We're going to use three eggs olive oil more salt this chicken seasoning It's hard to explain. I'm going to pull up the picture But it's like boolean seasoning basically and it's crack some sesame oil and five spice powder First you want to crack the eggs. So just You can take it. It's really okay. You can also talk Five tablespoons. A little bit. One cup. Five? How much? Okay Okay, one way. Oh, it smells just like a chinese restaurant So I'm going to try to translate that you need one cup of extra virgin olive oil Five teaspoons of salt five teaspoons of the chicken spice and then probably like one teaspoon of five spice Three tablespoons of sesame oil Be careful You want to make sure you get all the things at the bottom like the chives because you have to make sure everything is Incorporated if you're trying to veganize it I would recommend using a egg alternative or a binding agent. You can use tapioca starch You could use ever root powder or wouldn't recommend flour But you definitely want to use oil that is essential might add a little more honestly a little more five spice And a little more oil because it's not It's not binding and I love five spice if you're curious on what's inside it star anise fennel seed cinnamon Clothes and cardamom and this is a chinese brand. They spelled clothes wrong. They spelled loves more oil So the dumpling wrappers we use are shanghai style Usually you only can find them at asian supermarkets or Maybe a whole foods. So my mom told me to add more oil just because it's not It's not wet enough in the sense that it's not thick. You don't want to add water to it You'll know it's done when it's like this and beijing styles is sense My mom is the best rapper out of all of us only I can do it and then my dad can sort of do it And my sister cannot so suck on that and I'm going to show you how she does it because to this day I don't understand it He's getting them the fancy plate for the thumbnail First one always dripple The rapper?  Yeah, okay And then Still don't understand. Let me time lapse my mom because she'll be doing it better Now how much do you usually find one tablespoon two? First middle Okay So you have to make sure you pinch down the sides or else it explodes when you boil it one you know how much I have one she has one two three She's seven the filling you know Okay Yeah My rappers are still too dry So what you can do is just add some water to only one half of the rapper and then when you fold it It'll seal better But you don't want to add it to both sides or else neither of them will stick So one side is wet one side is dry.  This is how my mom does it. She folds it in between Her hands in this crevice And then just closes like that and then magically where it it does that somehow and then you pinch that together Then you do the same side to this you hold it in between and then you pinch and that gives you Sort of Dumpling, let's just compare Which one is my mom's isn't it obvious? How much on my way make All three and how long can you freeze? Oh Okay, if you want to cook it from frozen you must let it thaw first outside just leave it in the refrigerator What oh She's done with her tray. It's also a complicated way to boil. Uh, I can't explain why but you'll just see when we get there What the yeah, we'll take getting better. You can Good Make dumplings Oh, and my mom is able to get the stomach of the dumpling very film We call it the stomach. Now, what if need the dumpling Rapper dry left i'm okay fix hot the towel hot towel Okay, so if you buy the dumpling wrapper and it feels a little crusty on the sides, especially You can microwave it for a little bit or you can use a hot towel to like get it to soften some to dry the little Little bits of that crack. Yeah, correct. Oh if the middle cracks you're ruined Yes Oh Your filling has to be dry or not not have a lot of moisture If Yes Okay So we have finished making everything there's only a little bit left over boil water put some salt now explain this Explained yes So when it's boiling you put water in some water And then when it when it boils again put more water Get 10 minutes. We may have fun. What go shade just Boy soft Okay, so you have to let the water boil first once it starts boiling you put your dumplings in and then you have to immediately add water cold water Cold water and then you have to bring it to a second boil add cold water again Because if you don't it makes the dumplings too soft and it could break. Uh, how do you boil it? Yeah, how much Now you have to put water Oh, okay. Okay. Wow. Let's stop touching it Thank you So typically you can eat this with a sauce that's usually a combination of soy sauce vinegar oil and sugar Okay, you can I like it but we use this vinegar. It's called Chink chink not the middle school bullies calling me chink. Uh, but you use this one Yes, I'm eating. I'm eating. Okay. This is the end of the video If you enjoy this video like leave a comment down below subscribe for more videos every time I have time to post Social medias are right here and my second channel and my pocket channel and my gaming channel And as always I love you guys and everything is less than three. I can't do the sign today. So Peace I know it's good. This is not a mukbang wants me to do this Mmm hot so also hot though. I did well And today's fan art other week goes to astro cat. Thank you so much for your submission. This looks great I love the sunflowers in the background. I love them. I just love the bug head and the colors in general You have a great style. So thank you so much


Hey everybody, welcome back to the average today I'm going to be drawing the slime girls that I drew last time But this time I'm going to do something a bit different and use paper cut out art I've done this a few times on my channel So I haven't done it in ages and I really wanted to try out again And I thought it would be really fun to do and Yeah, I just wanted to draw these girls again and I had this progression idea in my head that One of them the nerdy girl who I think you can tell is probably my favorite character She's getting powers now where she just gets slime coming out of her hands. I know that's a pretty lame Super power but like I said before in the last video I drew of them I think her power will be that she Creates slime somehow but then she sells it because there's such a slime fad going on so she can she becomes quite rich Selling these to her school friends and then eventually in the story. She'll become internet famous with On Instagram and stuff selling her slimes I just thought it'd be fun little idea because you know, it looks like it could be the worst power that you have Slime just coming out of your hands whenever you want But she turns it into a positive and she markets herself to create all these things And I think that would be like a really cool storyline a really weird storyline for sure But yeah something that I would like to read about so I thought I would create a story in that way As for the other two girls, I have no idea what their powers are yet I think it might need to have to do with slime obviously But I think one of them might be able to fly or I don't know I Don't know how that would work with slime just air bubbles of pockets of slime So if anybody has any ideas throw them my way that'd be cool. We can make the story together creating these characters So talking about the illustration I wanted to do paper cut out art like I have done before and what I've done is I was using a quite Good watercolor paper for the main drawing of the girl that you see here But then I was using the background. I was using some rough Not rough but like cheaper watercolor paper that I got from Tiger and the paper isn't as good But I used it for the background and then I also used it for the two girls Which you will see coming up and then I'll talk about that a little bit more then but enjoy some peel peel porn for now This was really satisfying to do so I guess like it as well I think I was like, oh, I'll have a stripey ball color paper Just so I could do this because I think this is so fun and satisfying when you do this you peel it off It's just perfect crisp line. There's nothing better in the world than the crisp line I have no idea what I'm saying Yeah, so I just wanted to draw these girls again because I think as I'm sitting there all week at work I'm just thinking of all these things that I could be drawing at home And one of them that kept popping into my mind were these three girls and their conundrum of their superpowers Or maybe maybe mundane powers Maybe that's the story because obviously this one gets pretty pretty raw deal with just being able to create slime but she turns it into something and Yeah, maybe maybe it's just her who gets to line, but the other girls You know, they're her friends so they become part of the slime industry So just using a standard scalpel is it good? Is it do you call it a scalpel knife if it's not in reference to like surgery or something? I don't know paper knife somebody tell me and Yeah, just took this and I'm cutting out her because she's gonna be the background's gonna be a layer And then she's gonna be a layer and then she's gonna have slime coming out of her hands And then in the foreground, we will see the two friends who will be like words going on Which was quite fun because I've never really played with having characters in paper art before Just having that perspective on human beings being in the image as well when I first started drawing these two girls I was really struggling. I don't know why I just couldn't get I couldn't get them right And I thought oh no this these are gonna be rubbish Actually, I really like the way that they came out and I really like the way How big I did the line the outline of them overall? I think it really works nicely with the brush pen here I'm using my crumb brush pen Brush pen and I just think it looks super nice the quality is good As I said before I was struggling a bit because this is the cheap Tiger watercolour paper so when I went to paint it it was kind of really toothy But then it wasn't really absorbing the paint very well, so it came out a bit textured But obviously I've said that in the past I don't really mind that but when it came to painting their skin You could it was really obvious that it just looked a bit patchy and stuff So had to do the skin layers a few times then the paper was coming up a bit So it was a bit of a struggle, but in the end I think it worked out I just wish that I had done it on nicer paper to begin with but hey, you live you learn So here's the girl and I'm just trying to arrange everything now and stick everything down to be in the correct position I kind of painted a bit of shadow behind her which in the end turns out to be useless Which you'll see when you see what happens at the end. I Used tracing paper to create the slime I thought it'd be I don't know why I thought it would work better than it did and I used some random blue To pick the stick these down and I think it looks cool It looks it comes out quite nice But I think I could have thought of a more interesting way to show the slime But I think it looks okay. I just wish I could have used maybe More see-through paper or something maybe some plastic sheeting. I don't know But it looks all right I have to I go in later and go over the hands to give it more definition and show that it's slime I think I'm just not very good at slime during slime Which obviously I should get quite good at if I start to draw these girls more often So yeah, I was just going over some details for these two girls and Just going over the skin of The pink hair girl because it just came out really patchy for some reason So I wanted to darken her a bit because it came out much lighter than the color I put down as well So overall, I think it looks they look quite nice the way that they came out So just cutting these girls out and going over them again Just making sure everything's dry before I commit to sticking them down because I don't want an accident I wanted to give her some rosy cheeks So I went in with a Faber-Castell pencil having a lot of fun with using these new watercolors that I bought in Singapore and also Faber-Castell pencils which I got in September for my birthday and I just love them I just whenever I use them I think they just make everything look instantly better had to do a little bit of surgery on the blonde hair girl because The legs were sort of sticking out of the faces of the two girls in the foreground I had to move everything Slightly around but that was okay because I hadn't really committed to anything except for the shadow Which I just decided to paint but you can't really see it the shadow anyway because it's covered up by the girls In the foreground, so it kind of worked out. I just love playing with the different levels that you can get with paper art I just think it's really fun and Interesting thing to do manipulate stuff with your hands. It's definitely definitely takes more time Then just doing one flat illustration, but it's just it's really enjoyable. So I just I want to do more paper I just think it's fun. It just all depends on time So yeah, I just went over and gave the hands a little bit more definition So you can see it through the slime and I like how it does look like it's kind of dripping down and Maybe the girls in the foreground were in an argument and then she's just like hey guys I think we've got a problem and that's kind of the scene in my head. So that's the finished product again Let me know what you think the other two girls powers would be mundane or not I also need names for the characters So if you can think of any names comment down below and maybe I'll pick them But thanks for watching guys, please like and subscribe for more content and I will see you next time Bye


Every time you upgrade you to a different version of you, you're going to have drama. Because the people that prefer the old version of you are going to keep talking to you about stuff you have no interest in anymore. They're going to keep inviting you to things that you don't want to go to anymore because they're still packed upon the old version of you. Oh, what's wrong with you? You used to love this and no awareness that you've changed and moved on and you don't want to be part of that WhatsApp channel anymore. You don't want those conversations anymore. You don't want those energies anymore because you have had the courage to step away from it.