Hello, everyone, and welcome. My name is Melissa Armo. Today, I thought I would do a motivational lecture on how to get and stay motivated as a trader, if this is what you do. If you'd like more information, you can email me at info at thestockswish.com or melissa at thestockswish.com. And feel free to follow me on YouTube, Facebook, Twitter, and LinkedIn. So let's talk about the stock market. If you've been thinking about trading or for trading right now, I will tell you that the stock market is something that is accessible to everyone from any walk of life to trading and make money. So based on that, why doesn't everyone train then successfully? Well, one reason is that they are not motivated. Or they may begin to trade, start the process, and then fail to stay motivated to follow it through to achieve the success that they originally desired. So it's one of these things where motivation takes work. In any career and anything you want to do and particularly trading as well. Motivation just takes work. Today's the good example. Today there was nothing that met my criteria to trade. So I keep myself motivated personally for what? The next day, tomorrow. Having a day that you don't do anything, there's nothing wrong with that. But you have to stay up. You have to stay positive. You have to stay motivated. There wasn't anything today that met my criteria to do. And in fact, if I had jumped the gun today on something I might have lost. So when you're trading, you have to be very careful and very focused. So I didn't lose any money today, didn't make any money today. I did the right thing. I stayed focused. Motivation really does take work though, particularly on days like today where you have to be disciplined, following your system. And I have my own system, which is called the Golden Gap. But any job that you do, you're going to have days where things don't go right or maybe the time seems to drag and you've got to get work done. You have deadlines, things you've got to do. You've got to keep yourself upbeat. Now let's go over what motivation really means. It's the actor instance of motivating, providing with a reason to act in a certain way. The state or condition to be motivated, something that motivates inducement incentive. So obviously what's the incentive to trade? The incentive to trade, to day trade, specifically Monday through Friday, which is what I do and have the trading room for, is the motivation for that, the incentive for that is to make money. And I like to do the quick moves in stocks. The fast, fast moves that can come in in the morning period. So think about this. Who or what gets you motivated to trade? Might be friends, maybe you have traders that are friends. People are encouraging you. Maybe your family. That's terrific, that's great. My family has always been supportive of me. Maybe a teacher, maybe someone like me. I'm a mentor, teacher to people. Maybe a book, a book that you read can help be motivational to you as well about trading. And experience, the market itself, just seeing the market, seeing the stock, seeing charts how they move. Money obviously is a huge motivator. And number one, yourself. You yourself can help yourself be motivated because why? You either want to trade for a living, want to make more money at your job, want to have extra money coming in, or you want to work the hours of a trader, which are very small, very short compared to most careers. So you can help to motivate yourself to move forward to be successful. And this isn't just on a day like today when you have to be disciplined, but coming into the end of the calendar year 2017, I think it's extremely important to set up your goals for 2018. Because a lot of people that have been thinking about trading all for the last year of 2017 who haven't done it and have put it off or haven't been serious about it now is the time to start to think to do it because if you begin now, you'll be able to move forward for the entire year of 2018 to be successful. Putting yourself in the right placement in the frame of mind with the knowledge, the information, and like I said, the motivation to do it, to have a solid good year of 2018 really, really helps. So it's important to think about why you're doing this. Keep yourself motivated. What are your goals? What are your goals for 2018? And how can you motivate yourself to achieve those goals of success, all right? So think about it, how do you get motivated? You can use whatever resources you can and there are a lot available to you. I mean, tons and tons for free on the internet as well. A lot of resources to motivate yourself to trade each day and every week. And also having a good support system is key. And I offer the support system to the people that have done my Golden Gap course in the live trading room. A training room that has a positive influence on you can get you motivated and keep you motivated. And that is what I do for my students. Also having dreams can be incredibly motivational. And this is what I do for myself. I have a lot of big dreams and they motivate me to continue on my path of success, to continue to become more successful as I'm doing. Also friends and family can be a great motivation for you as well. And I use this too. My friends, my family, they're very supportive of me. The people in your life and your surroundings really have a lot to do with getting you motivated and keeping you motivated. And you gotta think about this. Before 2018, it is best to just do a clean sweep of all the negative people and influences in your life if you have any. And most people do. People that don't support you becoming a trader or learning how to trade. You've really gotta set it up that you can have the incredibly successful trading year in 2018. If you're trading now and you're losing money in the market, you gotta fix that and turn it around. If you're not trading at all and you want to begin trading, where do you start? How do you prep yourself and get yourself in the best position that you can be successful for the entire year of 2018? And I always say, don't wait until the last minute. Don't wait until January one. You gotta start thinking about this now. Today is November 14th, the sooner the better. And actually around the time of the holidays here next week, Thanksgiving is a really good time to be thinking about all of these things. So how do you stay motivated? So you get yourself there, how do you keep it going? Cause you gotta keep it going too. Well, really the same things that got you motivated in the beginning can keep you motivated throughout. Why did you ever want to trade in the first place? What was the reason? Shorter hours, change careers, you love charts, the opportunity to make a limited income. I mean, what was the original reason that you ever started to trade? Think about that. You wanted to get rich, you weren't making enough money your job, that were working you seven days a week. Remember, the market's only open money through Friday. When you need motivation, you have to look at the bigger picture. And this, again, keeps you going. And go back to the original reason, the very, very beginning. And when I go back to that for myself, which was a long time ago now, like 2008, summer of 2008. For me, I really wanted to change careers. I was working way too many hours. And I also really wanted to have a career where I had unlimited potential of income. And with training, the more size I take, the more money I make in the exact same trades. And so that's how I've increased my size a year every year. And I'm gonna continue to do that into the future. So making money trading is really about the bigger picture. There's roughly about 200 some trading days in a year, give or take holidays.  But you've got to keep yourself motivated and look at it as the whole year. What are you doing? You chunk it out every day when you trade. I said to the room today, we're gonna get one really good one this week, one really big one this week. Could be tomorrow. I keep myself motivated every day, actually, even looking to see what are the earnings for tonight? What are the earnings tomorrow? I do that all the time. But for me and my students, really being in the stocks will show live trading room really helps people stay motivated, helps people stay motivated, helps people get motivated. And if you're interested in a trial for the room this week before my next course, you can obviously reach out to me and email me. I really do my best to try to help people stay focus, focus, focus. And you got to do it because trading is just one of these jobs where you don't get paid if you show up. You only get paid if you do the right actions. And so some days you got to be patient. You just got to be patient. Today was really good, very patient, kept everybody out of trouble today, including myself, did all the right things, waiting for tomorrow, waiting for the good one. It's going to come. There could even be a good one tonight.  And what else do you need? Besides being patient, focused, disciplined, positive, motivated. Well, I think it has any courage. I think it takes courage to train and to go after your dreams. I definitely think it takes courage to go after your dreams. I did it with trading. I'm doing it now with television. It takes a lot of courage to do this. I've got a lot of courage myself. Some people need help with that. You can get the courage you need. It's deep down inside you. It's not from outside you, it's from inside you. Again, think about the reason, the reason you originally wanted to trade. Think about your dreams, what are they? Put them in perspective as well. And that's how you'll end up being patient and give yourself a break sometimes, you know? Maybe you're not where you wanna be right now in 2017 and for November, maybe this year to work out for you with your trading the way you wanted it to. But 2018, you got plenty of time to make it happen.  It really takes courage to trade every day. It takes courage to risk your own money in the market. It takes courage to learn something new, like a brand new class, learning a new system, a new strategy, like gaps, which is what I teach you to have to come learn from me if you wanna trade with me in the room. And not only that, it takes courage to get up and trade the next day when you lost the day before or when you didn't do anything the day before. But you must do this while you're learning. And you have to have amnesia sometimes about things that happened in the past and people really struggle with that with who are on the path of trading. And let me explain what I mean. Amnesia means a loss of a large block of interrelated memories, complete or partial loss of memory cause of a brain injury shock. Nah, I don't want anyone to go into brain injury or shock. But the problem is that people that have taken trading classes in the past or lost money in the market in the past, they do kind of go into this mental shock from all the memories of things that happened in the past. And then they get stuck. And they get stuck, stuck, stuck, stuck, stuck. And they don't move forward. And so then they never really get anywhere with anything. And they're either trading losing money or they've stopped trading, but they still think about it, come to webinars, look up stuff online, wanna do it, but they never really let go of the things that happened in the past. And then it keeps them stuck. Cause if you're not moving forward, guess what? You're stuck. Because life's moving forward. My goodness, look at it. It's almost 2018. So you gotta have amnesia about the things that happened in the past, whether they were trade losses or classes you took in the past where you lost money, you didn't get anything out of them. Somebody told me the other night that they spent $25,000 for a course and they didn't learn anything from it. I said, oh yeah, yeah, that's too bad. But guess what? You learned something from that. You learned from that experience and you've gotta take that and let it go. And I say have amnesia. The only way that I can get up the next day and go into the market, if I have a bad day in the past, which I've had bad days in the past, I mean, if I go back all the way from 2008, how do I get to this point today? You have to move forward. If you don't move forward, how do you ever get any better? How do you ever make more money? Proceed, get better, become successful. You gotta let the things that happened in the past go. Everybody is at a different place in their life. The only way to move forward is to have amnesia, particularly with trades in the market or classes that you paid for that you didn't get anything out of. You gotta let it go. It's one of these things where you've got to be so, so focused on the goal. The original goal, which was for you to be successful as a trader, a day trader, if you want to be, or an options trader, long-term trader investor, if that's your goal, that's what you really want to do. You have to stay focused on it. And so you've got to be strong. You got to have an inner strength. You got to keep yourself motivated like I just talked about.  It's not anyone's fault. What do you do when things don't work right? When the trade, for example, is it your fault? No, sometimes things don't set up like today. The gap didn't set up right. It's nobody's fault. It's not the stock's fault, it's not the market's fault. I didn't lose any money in it. The room didn't either. We just didn't do it. It's no one's fault. It's just trading. It's just about the fact that the mathematical odd sometimes set up to have plays fail or not set up at all. And that's why you have to learn a strategic way to play them. I'm talking about stocks here, okay? So that if a trader you take fails, for example, you only lose a little and that's why you stop. And then if they work out, you make a lot. And obviously that is your goal ultimately anyways. So don't give up on the market if you don't get a good play every day. And don't give up on the market if one trade doesn't work every once in a while. You still should have way more positive trades than negative trades. And if you dump in your system, your using isn't working. My system, my strategy, the golden gap system has about an 80% win ratio. So out of every 10 trades, eight or positive two could be losers or days like today where we don't do anything. But that's actually a very good percentage, high odds. And that's what I'm looking for every day. High odds. There are things that work today. There were stocks that dropped that could have been shorted but they didn't set up that I saw them ahead of time in the pre-market and didn't have high odds of working. Trading and making money trading is about playing the odds correctly in your favor. And that's how you're gonna win and be successful. And you gotta get that. Not only do you have to get it, you have to understand that that that's really what trading is in the market. And if you do that over the course of a month, a week and a year, guess what? You will make money by staying on track with your game plan. And that is what you want to do. So what do you do when some trades don't work right? You just, you take the loss. You can either stop for the day and wait till the next day. What do you do when they do work right? Well, that's very, very easy. You celebrate pie yourself in the back, keep the money from the market, you make your goal for the day, stop. Okay? But it's very important not to get lazy. Every day I'm so focused. I've been on a great run here. Really most of 2017, the year has been good. It's been strong. And in the last few weeks, I've really been so focused even too. Every day I gotta be. There's no, tomorrow I gotta be focused again. Today I was very focused. Tomorrow I gotta be very focused. Every day I gotta get up and be very, very focused. I can never be complacent with my discipline. All right? I have to be focused every day. But it is a great time of the year to learn a new trading strategy if you have one that doesn't work or you're losing or if you don't have a trading strategy at all and you're thinking about getting started trading, it's a good time to do it. You will be able to ramp up and be ready and prepped and to just go right into 2018 and be successful. And particularly if you want to join the live training with me after the class. Like I said, I'm calling the trades live in the room and it's a good support system. So now is the time to get ready for 2018. But I want you to keep in mind that you really gotta be disciplined between now and the end of the year. There will be days where the markets slow over the holidays and you just gotta wait for the good ones. Although I think this is a good rule of thumb for always with trading. You must wait for the good ones. And that is why the rating system I do is so great. It's why it's what keeps me under control. And also you've got to stay motivated. If you don't, you will miss the good ones. And if you give up and walk away then you're not gonna make any money at all. So you can't get caught up in the negativity. And there's a lot of negative people out there about trading the market. And they will never be successful. You've got to have a successful strategy, a mentor that's on your side to support you to stay motivated and positive as well. You gotta do it for yourself too. And you have to understand what trading is and how to be successful with it. And if you've had a hard time in the past, the best thing I can say to you is to have amnesia, forget about mistakes you've made in the past and just keep the faith. If you wanna move forward and be successful, doing nothing is not gonna get you there. Now I'm just showing this, this was a trade from last week but it was a great trade but it's an exact great example where we could get something like this tomorrow. So the fact that there was nothing today, there could be a trip tomorrow, a trip Thursday, a trip Friday. So that's why you wait. Actually, this was the morning move in the trip. Then there was an afternoon play in the trip right here and it fell. And there was a couple different plays in this but the second trade in this, the afternoon trade entry was a short at 3182. Exit of the target, 31, it actually went further. Profit you could have made in this 2,460 bucks. Buying power and needed for this specific trade at this price point in trip with the share quantity was 95,460. So I usually tell people 100 grand in buying power, okay, that's an account with margin, usually will allow you to take a decent size position. So not that you have to have that but pretty decent size positions in most of the stocks that we trade upon in the room. And a prop account, it'd be 10 to one leverage, you would only need 9,546.   You know, you don't allow any distractions to affect you during the day. You, that period of from 930 to 10. And that's what I really focus on in the morning. You can be a monk. I say to people, you can be perfect for that 30 minutes. We get in, we get out. And you focus on what you're doing. It's all about clarity. This helps you be successful, helps you make money in the market. So you've got to keep the momentum going. You've got to keep the positivity going. You've got to keep it going into this holiday period, into 2018. And you've got to stick to the program, not deviate from it. This was DKS for this morning. It finally, finally broke very, very late. Outside of the criteria for me to do anything with it, it was a short. Someone mentioned in the room that it was a long, let's go long DKS. And I said, no, you don't, you don't go long. It wasn't long. It really was a short. It just didn't set up to very late. It was very sloppy. And I'm glad we didn't do it, but it was not a long. So you can't deviate from the program itself. One of the qualities you will need also as a professional trader is to persevere. There will be days where today, like for example, you might have a hard time not doing anything. You might want to feel sucked into trading and then lose. That's not going to get you to the top of the mountain and that's not going to get you where you want to be. Focuses, quality picks, quality gaps, quality trades. Ultimately, one of your goals should be not only to be successful, but it should be longevity and consistency in trading, which will help you achieve the success that you want and the money that you want that you're trying to make from the market long-term. Trading is about consistency and longevity. If you want to have longevity, you need to produce consistent results. So you're not going to make it. You can't be losing all the time or how are you going to get anywhere? It'll be funny, your account all the time. You've got to be making money. Like I said, eight out of 10 trades. You have to put in the stops. You can't flip things around like in the DKS if they don't work short. Cause that did work short. It really was a short. It just was outside of the time criteria for me. You've got to be consistent with the way you're looking at your strategy, your system, and I am. And I really, really do not deviate from it at all. And today was a good example of that too, because somebody asked about going in long-TKS. If you want to produce consistent results, you must stick to the plan and stay consistent with your trading strategy, whatever it is. But you've got to have a strategy that works and if you don't, then reach out to me because I have a successful system and strategy. And you have plenty of time to learn my method before 2018 because I'm doing a class this weekend. And it will give you time to ramp up and trade for at least a month before the next calendar year. So, just in closing here, you've got to think about what are you going to do to become successful next year? What are you going to do to set yourself up for success? Have you had setbacks? Are you going to let those go? Are you going to let those setbacks you've had in the past prevent you from being successful in the future? Because if you're going to, then you're going to continue to falter and have even more setbacks. And that isn't what you want. Success means removing the blockages towards success and not allowing setbacks to guide your decisions. They were not present when you made the choice to trade in the first place. When you started out trading, you didn't know what you were getting yourself into. And you weren't unsuccessful. You didn't have setbacks. You began probably very motivated with an optimistic attitude when you started out.  Remember those thoughts, those feelings. Those setbacks that you've had along the way, okay, were not present when you originally started to trade, when you originally motivated yourself to do it. Success does not come without taking a risk of making an effort. Part of the effort means continuing to move forward and to stay positive when you are testing or trading. And there may be days when you are, when there's nothing to do and it doesn't meet your criteria. Cause that's a test, really. If there was no risk involved in trading in life, everyone would be successful. Everyone would be successful in the market and they're not. And actually it's very similar to television. Many, many people want to be on TV. Many, many people will never be successful on television. So you have to be willing to take risks to be successful in life. And you have to have the right mindset and the correct attitude towards that to move forward, to keep going. Here's this guy, this is a great slide. He is going to get the cheese and he's prepared. He says prepared as anyone could possibly be. He has his helmet on, he's going for it. He's fully aware that the trap is there, ready to get him. Ready to stop him from getting the cheese and nick him too. But he's got the helmet on, he's starved. And this cheese here represents the money in the trade and you, trying to get the money and you got to go for it, okay?  So the preparation is important. And I do a lot of preparation in the room in the morning before I trade. Rating the gaps, looking at the numbers, looking at many, many different things. Lots of different picks, narrowing it down. A lot of people just have this dream to trade. They don't know how to make it happen. I have a great program. If you come and do my class with me, it sets out everything for you, the strategy, the entries and then joining the trading room with me where I'm giving the calls and then the emotional support system too. And the motivation. You really can turn your dream of becoming a trader into reality and not just a fantasy. If you are willing to take it serious enough, let go of the things that happened in the past and really be dedicated to do it and set your mindset up that you are gonna be successful because it can be done. Ultimately, trading is about power. The people that are moving the market have the most power in the market and their institutions and that's why I'm looking to go with them. Short stocks that are dropping, buy stocks that are rallying. Market is a very, very powerful source of profit and money. Billions of dollars that are running through it all the time. The power is in the market. It's the power of the gap, which is what I trade. The power of the golden gap system, which is what I teach and do. Power of conviction, which I use every day when I'm making my trading choices. The power of information, which is the reason if you came to me what you'd get, learning in my class, the information which I charge for it, but it's really invaluable because it will teach you how to trade gaps. And then the power of knowledge, which means that you can use what you learn with me to trade for the rest of your life. And then it's the power of you because you've got to be a strong person to set your mind up and say, you know what, I'm not gonna let the things that happened in the past stop me from being successful in the future. I'm not gonna let the things that happened in the past, the losses I had in the market or classes I took where I didn't learn. I think stop me from learning a good system or trading in the future to becoming successful. Going forward towards the end of 2017 and into 2018 as well. When you compare yourself to other people, people that are successful against people that are not successful, it really ultimately comes down to the power of the human spirit and we're all human beings. And we all have spirits too. So the power of the human spirit is the power that is within you and it is up to you to do it. You are the one with the power.  You have the power within yourself to follow a disciplined trading plan, make money in the market and keep yourself motivated during personal setbacks. You can control your destiny by making a choice in your spirit, not to allow anything to stand in the way of your trading success. And it really, truly is up to you. It is about the power of intention. What is your intention for 2018? What do you want to do? Do you wanna be successful? Because if you do, it's time to start getting serious about it right now. Like I said, the sooner, the better. When you have a clear vision, a clear intention and a plan of action in place, you can use the power of intention to assist you in creating the trading results you desire. So you've gotta get clear. Intention only works with complete clarity and focus. Focus on one or two stocks. Focus on one strategy. Focus by being in the stocks with trading room if you want to. You can learn my method and sign up. You must take my class though to become a room member because you've gotta know what you're doing when you trade. And I think it's a very, very important piece of what I teach as well, which is self-empowerment, knowing the information yourself. All of these things will help you get and stay clear and motivated. So again, clarity is extremely important. You can create your own dream world. I love it. This is the Time Warner building. They have the stars out for Christmas. I just love going there at the holiday time. It's gonna be a great 2018. I am ready for it. I'm gonna have a strong close to 2017 and move forward into 2018. Very, very motivated. You know, you can do it. If you want a new life for yourself filled with trading success, the sooner you get started, the better. Have amnesia about the mistakes that you've made in the past or things that you've done in the market, classes you took or losses you had, just let it go. You are never gonna be able to move forward if you don't start getting the right mindset. And it is an important, important part of this. So what do you need? A plan of action. You need a plan of action. What are you gonna do? Where are you gonna start? You need a plan of action in place in order to be successful trading and you need a proven strategy and a system that works in order to make money trading. And you absolutely must follow this plan to achieve success. So I teach a class on my method. It is this weekend, November 18th and 19th. The class of the class is $4,999. If you're interested, email me at Melissa at thestockswitch.com if you wanna sign up. Only two more classes before the end of the year, this one in one in December. It's really gonna be a great 2018. And 2017 has been good. I'm gonna be very, very picky every day between now and the end of the year to close out the year strong. It's important that you know what to do when you trade. It is important to have the right mindset. It is important to stay focused and you can be in the period of time I trade in the morning. Think about the things I said today. If you're interested in more information or have questions, feel free to email me at Melissa at thestockswitch.com. And I hope that this lecture helped a lot of different people. Education really is a gift that you give to yourself because once you have the information that you would learn in my class, you have it forever. And it works. I've had the business now for going on six years and I've turned people into successful traders and that's amazing actually to me. You've gotta believe that you can do it. So the trading room, just to give you a little more information is available for students of the Golden Gap course. I focus on results. I'm very focused on one pick usually in the morning. I usually focus on shorts. If there's no good shorts, I'll look at longs. My goal is to go in every day and take fast trades in the morning between 9.30 and 10 and get the money move and get in and get out. I call the entry stop and the exit as well. The hours for the room are 8.30 to 11 or whenever we're done. It's 3.50 a month for the trading room after the class and it's very, very focused. I'm extremely focused on gaps and I'm really focused on technical analysis in the chart. I'm looking at institutional money. I'm looking at shorting stocks to gap down, buying stocks to gap up, but not every one. I'm focused on quality ones because you can't go long every gap up and you can't short every gap down. So you've really gotta focus, find the good ones. One pick is all you need every day. Some days we did too, but usually one a day is all that you need. Thanks everybody and have a wonderful, happy, healthy and holiday season and have a fantastic, fantastic 2018.


So, what we thought like real time whether the talk to the next part, we thought we will come out with a, we will have, so like this, it is just listening, the audience basically have to, so if they are using, it will be interesting to have a, so audience are giving, no it is the, don't people, audience don't, yes it should be the next part, so this we have done, so the talks, they won't even, the talks get over, and all those things, with the pushnotes, remaining stuff is, we have used, this is completely through Christians gave us yesterday, I'm sorry, no I haven't gone through that part yet.


So my presentation deals with the issue of housing in Addis Ababa. I will cover three main aspects in this presentation. First, I will take you through the current situation of housing in Addis Ababa. And then the focus would be on the grand housing project, which is commonly known in Addis, the condominium housing. Then we look at the lessons learned and then the last bit would be what could be done next. At first, the current situation of housing in Addis Ababa. Well, we have a little bit old statistics taken in 2007, the census. Here it says more than about 40% they live below standard. The majority of the households are tenants and the present the current master plan or the structure plan developed estimates the housing need is about 1.2 million for Addis. Most of the residents of Addis Ababa, they live in informally built housing, commonly known in Addis Ababa housing after the local government that manages this kind of housing. Earlier, you asked whether there is home-based enterprise and most of the Kabeli house, they have home-based enterprise like you can see in the photo here. In this simple room to the right, three by eight, there are so many activists going on, making beverages, bunk beds, keeping goats and then vending like you can see. So, so many activists happen in a very simple unit in Kabeli housing, mainly located in the inner city. In fact, about 70% of the residents of Addis live in informally built such kind of housing. And then we have informally built peripheral settlements like you see in this slide. Well, the 2002 master plan, which is revised in 2013, envisioned most of the core area, the map you see in the Addis map, the core area, the red one was earmarked for renewal and the light rate for upgrading and then the yellow one for expansion or new construction of housing. So the big condominium sites, the vast ones, we have them in the outskirts of Addis Ababa. Based on this intervention map, then we had, you might have seen this already, in the inner city, in the core city, extensive renewal in Lidata, Kazanches and many parts of the city. And then we have upgrading, mostly infrastructure upgrading, without touching the houses because there was, most of our master plans, they envision it ambitiously that they don't want to touch the houses because then they would ask compensation later when it is renewed. So we only have drainage system, roads and pedestrian or public toilets and so on. Then the famous condominium housing, which started in 2005 with a pilot project in 2004. We had a very impressive quantity, in terms of quantity, about more than 250,000 were built. In a scheme known as 1090, 2080 and 460, the 1090 means 10, the people should save 10 percent and 90 percent. They would take it from mortgage from the commercial bank of Ethiopia, 20 saving and 80 percent from loans and then 460, 40 percent saving and 60 percent from loans. The condominium housing in terms of land, it is estimated about 149 hectare per year. It took this kind of land. Well, again, there is a challenge in terms of land for housing. The city is bounded by another region, so it's almost exhausted the land for housing. Then when it comes to the area of IHDP units, the studio, the average area is 25 meters square. One bedroom is 35 meters square, two bedrooms 55 and three bedrooms 65 meters squares. The red one, okay. How was this achieved? There is a huge subsidy estimated from 60 percent up to 80 percent. Well, I have to quickly go. That's one of the expressions of political commitments. There is a really huge subsidy. The positive impacts are the quantity, job creation. It encourages savings, relatively privacy and modern facilities and improved social facilities. But the challenge is the bottom 40 percent of the people, they cannot afford this, even the minimum type of housing. And the lessons learned from this type of housing is one is of targeting of mismatch of the subsidy. So there is a lot of down raiding, mismanagement, slow pace of delivery and many other challenges also. So ultimately, we have realized that the Kaveli housing is the most affordable type of housing. But there is a jump from the Kaveli housing to a condominium housing. So my message is housing should not be, should not only for all, but it should be done by all. That's my simple message of today. And then the ladder, I will jump this one. The housing ladder, the jump from the affordable type of housing, in our case the Kaveli housing and the informal housing. So the next this condominium housing, there is a big jump and people cannot afford that. So my message again is we need to have a ladder of small risers where people can smoothly go from one type of housing to the next type of housing. So simply housing for all and by all. Thank you. For those of you who are not architects in a room, a riser is the space between one step and the next. So some of those steps are impossible. They become too much. Let's move straight on to Belinda and the Singapore example.


criteria for what it means to be a good leader at each stage is, one, having a bit of vision, two, being willing to delegate decisions, not just tasks. And what I mean by that is make sure that you're holding your team accountable for the full results so you can move in parallel, not just in sequence. And three, introducing process only at the right time when there's a purpose to it, not just for the sake of it.


The current energy policy faces three main challenges, ensuring reliable and secure supplies of both fossil and non-fossil energy sources, keeping energy prices low for consumers, and maintaining consistency with the Paris Agreement's climate goals. This has led to high prices and producer rents, which presents an opportunity to apply the principle of extended producer responsibility, EPR, to fossil fuels. By implementing EPR through a combination of geologic carbon dioxide storage and nature based solutions, we show that it is possible to achieve net zero emissions at comparable or lower costs than conventional scenarios driven by a global carbon price and subject to constraints on carbon dioxide storage deployment. Additionally, this approach would ensure that the primary beneficiaries of high fossil fuel prices, the fossil fuel industry itself play their part in addressing the climate challenge while reducing the risk of asset stranding. This article was authored by Stuart Jenkins, Marguerite Coogeba, Hugh Helferty, and others.


What's up guys? Mike the coder here today. I am just before I start my live stream. I'm gonna make a brief video on what beginners should but main problem with beginners in competitive programming and from my point of view as a beginner like myself We like to talk a lot about competitive programming instead of actually doing problems like In the past month, I didn't actually solve any problems at all To be honest, like I didn't submit anything. It didn't solve anything So yeah, I haven't really been participating in contests either because of how busy I am but to be fair We like to look up as Beginners we like to look up the secret ingredient in order to try to Improve in competitive programming and what is what do people should do and yada yada yada and what should I focus on and How should I practice so on and so forth and to be fair that it might be a good idea to search that stuff up but at the end of the day the only way to get better is just by practicing and If you just waste your time and just searching of how to become better, you're not gonna improve at all So yeah, at the end of the day, you just have to practice in order to improve So that's what I just have to say about The issue of beginners and like myself because I like to search about how do I become I don't know how to become green How do I become blue? What should I focus on and so on and so forth? But to be fair, I think the only way to get better at solving problem is just to Do more of it just to practice more of it. It's not there's no secret ingredients. No secret way to do it So yeah, you're just gonna have to grind through the problems and you and I have to like a few bad contests for past months prior to it But I think I'm gonna get better. They all come back up It's just that the weird different time zones and stuff like that. But yeah, and I also give up too easily That's my another big issue. But yeah, those are my main issues about being a beginner in competitive program You just have to you just have to practice. There's no other way to do it So you there's no there's no secret ingredient and we we should actually just stop talking about it instead of act And actually solve problems But yeah, I hope you guys enjoy this video rate comps scribe. I'll check you guys later. Peace


Here's Gardner, right side of the box, slides one across the face. Bigovic is filtered! Hogan's tear-second mistake in the week for Asmird Begovic. Walshu, the lovely turn away from his man, and now he threads it through for Dandrumu. He's got Shane along with him. Dandrumu onto his right foot. Brilliant finish! Who scored at St Andrews like Hogan did, and scores now when the Terries needed something. Terries' first-ever-long target of the afternoon is the leveller, with 36 minutes gone. Go on out, Dandrumu. And here's Sanchez, just outside the pale tier. Turns away from Kelly. Challenge came in from Kelly to win the ball, and now Birmingham have committed man-up field, and Dandrumu tries to exploit it. Down this near side, Kelly wants it played on. Dandrumu hurdles the challenge of San Jose. Still going, but Red Shirt's run away from him. Now here's Brooks, the Terries have got a man over. Here it is, it's Adam Smith, takes a touch, dinks it to the back post. Walshu with the header, into the backhand! Walshu's first lead goal, and the best part of three years has come on a crucial time for the Terries. He can't have scored many headers in his career, but on 61 minutes, it's his first Terries lead goal. Two-one. Shadow, every blue shirt, it's worked in a great little ball. The header goal in the air post. It's going to be Dandrumu, he's going to fire this one into a very dangerous area, and Billy got the back post, has turned it in. It's a six-yard box, and Flick inside the far post, and the Terries with 13 minutes left have got themselves back in front again.


The call for drastic action to be taken by the federal government to tackle the spate of insecurity has been re-acquired by another set of concerned Nigerians. This time, it is by the Lagos branch of the Nigerian Bar Association during a press conference as part of activities for its annual conference, plus TV Africa's Destiny Momo report. As part of its intervention rolls to some of the challenges facing the nation, the media pally opened up several issues bedeviling the nation. The conversation here is to call on the government to take more proactive steps to curb the rising insecurity across the country. People are no longer sleeping with their two eyes closed in Nigeria and so we must begin to profile solution to the spate of insecurity and we can't stop talking about the issue of corruption. We know where we are today as a nation because of corruption.  We started with other nations like Dubai, most of the Asian nations, we started together. But if you see where they are today and where we are, you know the difference and of course the reason for that is the issue of corruption. Other conversations include the ongoing strike by the Judiciary Staff Union of Nigeria, Jusson and Lessons Lent. We want this matter to be resolved once and for all despite the fact that the government has, governors have made these their promises, oh we will start implementing in May. Jusson is saying until you see that implementation being carried out we are not calling off the strike. It's been painful to lawyers. We don't have any other source of income other than you know lawyer and I'm going to court. You can imagine how many months now we've been idle at home, lawyers' fees are suffering, people are not putting food on their table. Many lawyers have turned to beggars because of the fact that where they practice their law is locked, it's under lock and key. But it is a painful decision we've taken and the MBA leadership has actually thrown their support and you know and way to behind this Jusson strike. For members of the MBA, this year's conference gives an opportunity to provide an enabling ground for the other problems facing the Nigerian judiciary which includes that of financial autonomy. Our conference as FIDER conference and everywhere we go is to bring the missing element that has led to this country nous diving to this point and that missing element is public interest. This year's MBA conference which will bring together members of the executive, the legislature and the judiciary on the round table. Destiny Momo for Plus TV Africa.


What comes to your mind when you think of Kerala? I feel genuine affection for the people of Kerala and you give me a lot of strength in doing my work. The people of Kerala, all of you. We are not ready to accept that you will work, you will risk and then your children will not get a job. Five or ten people are making all the money in this country and the large majority of the people can get nothing. A country that grows fast but is not creating jobs. This is a strange thing. As you see, if you ask youngsters, what do you want to do? Ninety percent of people will say, we want a government job. But a government job is not a production. A government job is distribution. I get a certain amount of resources and I want to have the right to distribute these resources. So what percentage of your foreign revenue comes from the government? For when less, we should say about ten percent. Zero cash flow with zero revenue. Suicide is available. People are jobs, huge jobs. What I can do, I can make a general intervention and raise some of your points. If you've got political access in India, you don't have red tape. In fact, you own the law. Congress itself is a decentralized system. So, we actually cannot concentrate power the way the BJP, even if we want to. You are. In this army thar, naukeri mil jayega, fauji ban jayega. Lekin achanak wo exam cancel karan. Aur aapne 3-4 buddho ke maare mein bola. Aur jo baaki aapne baate boli hai, main defense committee mein bhi hoon, main wo haan raise kar toon. Today, one of the most important things in policy making is environment. I feel that it's very important that we listen to you on many of these aspects, not just environment. One of the reasons this takes place is because the government does not spend enough money on healthcare as it should. How long did they use the new machines for? Without checking with them, without making them use it, they've brought the machine. They are happy to work here, but they are not happy with the wages they are getting. One of the ideas that we had was a scheme where we would give guaranteed income to people. So I think we have to protect the farmer, of course, in agriculture, but we also have to protect him with support systems which are not necessarily in agriculture.


Welcome, traders, to another Tick-Nail Charter with me, Patrick Munley. We want to take a look at the Euro Aussie here on the daily time frame, training in a clearly defined trend channel. We have just seen price pull back to test the midpoint of that channel now, where we've previously found resistance on several occasions. Rejection candle yesterday. I'm looking for a break of the trend line support here and the weekly pivot coming in at 1.25, set short positions, targeting the move down to test the ascending trend line support coming in at 1.5860. Watch for bullish reversal patterns there to reengage on the long side, certainly looking for weekly range resistance 1.6339, and then monthly range resistance in Praha is up to 1.6433. As always, traders, plan the trade, trade the plan, and most importantly, manage your risk. Until next time, thanks very much.


I'm not sure how I miss this, but last month, Marjorie Taylor Greene, my favorite member of Congress, very heavily implied that Guam, which is a U.S. territory, is a foreign country. I'm a regular person, and I wanted to take my regular person, normal, everyday American values, which is we love our country, we believe our hard-earned tax dollars should just go for America, not for, what, China, Russia, the Middle East, Guam. Okay, not super surprising, giving that she is a complete imbecile, however, in response to her seemingly thinking that Guam is a foreign country, members of the U.S. National Guard from Guam decided to extend an olive branch and do something nice, rather than calling her stupid, rather than berating her for being a member of Congress who doesn't know that Guam is a U.S. territory, they actually decided to be nice. They took the high road and they delivered cookies to her office. Now you're seeing video of this on the screen, I don't know that I could play the clip because the audio featured here is likely copyrighted music, but I mean, you get the point, you can see that they're being incredibly polite, talking to her staffers, they're trying to figure out when she's going to be back, and whether or not they'll be able to deliver the cookies to her in person, or if they should just leave them with staffers, they're being cordial, certainly they're not trying to intimidate Marjorie Taylor Greene or her staffers, there's not really anything negative that you can say about this, they're being perfectly pleasant, and they just want to deliver cookies to a member of Congress, so hopefully she is maybe encouraged to educate herself. However, since it is Marjorie Taylor Greene, once she found out about the cookies that they wanted to deliver, she complained to the Pentagon about this. She complained that they were delivering cookies to her, and she was offended by this. As Justin Vallejo of Independent Reports, Marjorie Taylor Greene complained to the Pentagon that the Guam National Guard, quote, ambushed her office as a political tool to intimidate Congress and called for them to be sent home. In a letter to the Secretary of Defense, Lloyd Austin, Miss Greene, said the stunt of the National Guard delivering cookies after she confused Guam for a foreign country was part of a dangerous and troubling trend of the armed forces intimidating civilians, harassing Congress members, and attacking journalists. Guam's congressional delegate, Michael San Nichols, leading more than two dozen National Guard troops to ambush my office unannounced, and subsequently video record my staff without solicitation or consent, Miss Greene said. Now, correct me if I'm wrong, I don't remember her asking for David Hogg's consent when she was following him around, harassing him, and videotaping him. But if National Guard members from Guam try to deliver cookies to your office, that's bad, and she wants them removed. Now, she kind of alluded to the fact that there is a greater presence of National Guard members on the Capitol, but what she is failing to point out here is that that is the direct result of her and Donald Trump inciting an insurrection. They wouldn't be there if you hadn't lied about the election and encouraged those folks to do that. But this, this is the straw that broke the camel's back. The U.S. National Guard has been there intimidating them. I thought that right wingers loved the troops, by the way, and the fact that she got cookies delivered to their office and they filmed it. Terrible.  The fact that she is a member of Congress is an international embarrassment. It's not just embarrassing, as an American, just as a human being. This level of stupidity is, it just, it doesn't bode well for the long-term survival of the human race.  Now, the Guam Delegate responded, his name is Michael Sandnickels, as the article states, he says that the visit was part of a broader tour in which they visited multiple house leaders and he insisted that this wasn't them using the military service, or military members as political props. This wasn't meant to intimidate. They were quite literally trying to be polite to her. It was a gesture in good will.  Maybe you'll learn about us and acknowledge that we're Americans just like you, except she didn't take it that way. Now, some conservatives are trying to defend Marjorie Taylor Greene by saying, you know what, actually she's onto something because U.S. National Guard members, they're supposed to be apolitical, that's a joke, but they're supposed to be apolitical, and by doing this act, delivering cookies to a member of Congress that is inherently political, so she's right to denounce what they did and to call for their removal. But the Delegate to Guam responded in an interview on CNN and he said the most reasonable thing ever. They are critical of you, an elected official, using military service members as they see it as political props. What do you say to that, to that criticism? That criticism is unfounded. We were not at all using military service members for political props. I was taking my guardsman on a tour of the Capitol and we stopped by several members' offices and we delivered some goodies. Cookies should never be considered a political prop and neither should our military, but good will is absolutely something that we wish to extend from Guam to everybody, and my guardsmen wish to extend the same and we're very honored to be able to facilitate that. They were just trying to be nice, but she went straight carrying on them. Unbelievable. Well, I shouldn't say that. It is believable. It's probably the dumbest thing that Marjorie Taylor-Green has done to date, but I don't want to try to rank it because she will definitely try to outdo this in about a week or so. So there's nothing left to be said. Marjorie Taylor-Green is so deluded that she believes bringing cookies to her office is an attempt to intimidate her. How fragile these right-wingers who are supposed to support the troops are.


And I think ultimately what I would want people to take away from this video is and hopefully it's somewhat helpful to anybody who might know somebody like this. This Chinatown family is going viral right now and it is sparking an online discussion. Yeah, I think this clip was pretty relatable. Let's run it. This is Mu Yi Yu. She lives in a single room occupancy or SRO in San Francisco's Chinatown. She shares the tiny room which is about 100 square feet with five others, her husband and four children and has lived there for the past nine years. San Francisco's SROs are typically about 100 square feet with shared toilets and showers on each floor. Long story short, there is a Cantonese family from Guangdong living in San Francisco SRO housing government subsidized. They only make $700 a month. The rent is $500 a month. The dad doesn't really work and people feel bad for the kids because they got four of them. And this is sparking a ton of online discussion and debate. We're going to get into the reactions, our takeaways. So make sure you like, subscribe and turn on your notifications and let's get into it. All right, David, what's the first main comment that we're going to address? OK, the first one was like, how can we help? But then the debate sort of went into like, what does help even look like? Is it just to go fund me? Is it getting legal help for them? Does try to move them up along to get a different SRO? What does help look like? Is it give a man a fish or is it teach a man a fish? Right, like, I guess, for example, if you start a go fund me and you give them a couple thousands of dollars, I think it's going to help definitely in the short term. And also, I guess some people are saying, well, if there's any sort of free legal aid that they could give them to push them up into the process of getting more sectionate housing so they can live in a larger area or or maybe move or something like that. I guess I guess you could help a move. But the truth is that even though they're highlighting this family, they're not the only family going through this right now. There's people in multiple cities across America, obviously everywhere else around the world, but particularly America's going to get the focus because people are going to be like, America's such a rich country. Why does it happen? Yeah. And it is weird to happen in SF, which has a lot of money, but you have to remember California has a very, very high homeless rate. Of course, the second reaction, Andrew, was a little bit more judgmental. Hey, guys, I don't mean to disrespect this family, but why did you have four kids knowing that you don't have any income streams and that you're already on government assistance living in a small place? Yeah. Yeah. I mean, listen, we don't know a lot about the family. Obviously, I just know from the article that was read and the little reel that was sent out. But I mean, it looks like the kids are for the most part, healthy. They had two girls at first and then maybe theory wise, they wanted a boy because, you know, this is like tradition and everything. And then the one boy that they got actually turned into two boys because they were twins. So now it added an extra person to the family.  I'm just saying moving on it or someone said, why not just move to a different city? There are so many new cities around America that even have Asian enclaves or even Chinatowns within them, St. Louis, Arizona, Central California, et cetera, et cetera, et cetera. Exactly. I think from this video and the press that they're getting, hopefully, maybe someone from some type of like placement program and like Arizona or something can help them out or you know, I don't know. I mean, obviously that that comes with some luck as well. But I did speak with a professional financial advisor about this video. I sent it to them. I was like, hey, man, what do you think this family should do? And he was like, you know, it's tough. They're probably on some sort of government assistance right now. If I could and I was that family and I didn't know that much, I would just try to move to a state that has lower cost of living. Yeah. And I do think it actually could be complicated in order because what if San Francisco has really bad like housing assistance, but they have really good medical assistance. So now you're making the family pick between this great doctor that they love, even though they got to live in this 75 square foot box. No, yeah, it's tough. It's tough. Somebody said, let's just have empathy for these people, man.  They could work more or whatever. But let's just have empathy. David, what do you think empathy? I think empathy is a key step. But what do you think that does? Because people are like, well, empathy doesn't put money in their pocket. Empathy doesn't move them out of San Francisco. So so why have empathy? I think that, first of all, it's an internet reaction because a lot of people are just like seeing something that they relate to. Maybe it's in Cantonese. It feels very visceral and like. But I think that empathy is important, but only if it translates into action, right? Because now it's really empathy about a whole system, right? This was just a highlight op ed or personal piece in the media. But that's what the power of media is. Somebody also said, don't judge her. You don't know the details, which is fair. You don't know the details. Guys, there's actually not that many details. I mean, if they have any special needs, kids, they didn't mention that. Or if one of the disability. Yeah, or if one of the husband or mother can't work for some reason. I mean, if the husband can't, because that's what it's more sounds like. We don't fully know the details. Or if there's like a secret, I don't know, gambling issue or something. We don't know the issues. So we're only judging this family off of what we know. And I think ultimately what I will want people to take away from this video is not that we're judging them. We're just talking about all the comments. And hopefully it's somewhat helpful to anybody who might know somebody like this.  And I'm like, OK, well, great. These type of discussions are helpful so that it inspires anybody else who can help and give some advice to other people. Somebody said, this is America. Oh, shame, gosh, the richest country on earth. And we can't even provide housing. And some other people came through and said, yeah, if this family was addicted to drugs, they would have got even got treated better because they would have actually got put into the like a drug program. Oh, wow. So it's almost like we treat the drug users better than a regular family that's not doing drugs. That's a good point where they were saying, like, maybe the kids would get how placed in even a better home if their parents were like on drugs. That's crazy, man. Yeah.  This family might just be poor villages over in China, too. And at least they got free medical and stuff like that. Entirely, entirely possible. Yeah, exactly. And I think I think a question is for like the rich, I guess, particularly Chinese people who live in SF, you know, who are like tech millionaires, billion, like, I guess I'm not. It's not your job to help them out, but also like, what can you do for the city?  I would totally think about summer camps for the kids, like free summer camps that show them other worlds and get them in a high earning careers or just gets them to meet other families and stuff like that. Anyways, what's the last comment? Other people were basically saying, you know, I wish they would have moved to Canada instead. Canada has much better social floor systems. And somebody said, yeah, but this family probably wouldn't even have been able to get into Canada because Canada, because of their high social floor system, they have like much different barriers to entry for families and they wouldn't even want a family like this in the Canadian system, because they would view it as a drag on the economics. Somebody also said, you know, this was very common in Hong Kong in the 1950s, 60s, 70s, 80s even. But, you know, it's just kind of rare to see in America in 2023. Yeah.  It's all over the world. But yeah, I guess this is touching home because it seems very relatable. Like everybody has met, like if you live around the Chinese community or Asian community, you've met a lady like this before. For sure. For sure. I mean, I've met many of my lifetime. I've even had conversations with them. In fact, Andrew, we used to live in a remodel tenement in New York, Andrew, where some of our neighbor's units were not remodeled. And there was like a, I believe they were from Fujian, a family of like seven living in a one bedroom, not a studio, but like a one bed next to us. And yeah, I don't know. It was definitely interesting. Moving on to the takeaways, Andrew, I think ultimately it's true that your parents really do have an impact on how your future turns out statistically speaking, right? Yeah, there is.  It doesn't set your life up forever. You can owe everybody. I mean, this is America land of opportunity. I still believe that 100 percent, where you can still make almost anything of yourself or you can make a lot of yourself here. But yeah, it is tough, man. It definitely like puts you in a hole to be honest. It's kind of like having a good or bad start to your day, right?  But the start of your day is important. Yeah, I mean, I think that's why a lot of people use the term breaking the cycle in America, you know, moving on. And point number two, Andrew, it's true that like not everybody, at least in the first generation, is going to make it out of Chinatown. Whatever Chinatown looks like to you, whether that's an immigrant enclave or like that, I guess what I'm saying is not. You know how there are those stories of like these families that come with like five dollars and then they start Sriracha and they become billionaires. But it's like that those are more probably like less than 10 percent statistically probable. Oh, for sure. For sure. And I would say like, that's why, you know, it's important to expose your kid like all of our friends who grew up from poor families and ended up making being very successful and making a lot of money. I always remember that they told me there was a story that somehow exposed them to some other industry or exposed them to some other options, a family friend, right? A family friend or organization or a co-worker or someone through the church or the temple or the community, someone that they saw and related to and got to talk to that actually made it out of their situation. I think that's very important. So like I'm not saying like, you know, church or temple, those are community spaces. Those are important. Sometimes there's a lot of hidden factors, Andrew, point number three. What do you think about these enclaves building comfortability? But also you could say it could be an impediment because you become complacent because you're so comfortable because you're around everybody else that might even be from the same village that you're from in China. So part of moving and part of the most painful part of moving to a community that's not your own, but some of the pros of it is that you get thrown into the ocean, right? And it's sink or swim. So you got to figure it out and adapt and it forces you to learn English, right? If you're around most of the English speakers, right? And then it forces your family to go through these hard conversations of your kids adapting. Child by fire. Right. Right. But but then if you're in the Chinese community and you can just speak Chinese and still live life, there is a relatively similar to back in back in the old there's just a pro and con guys. I don't know. I think sometimes the trial by fire method, Andrew, it produces higher upside results, but possibly even lower downside results. And that's what somebody was saying in the comment section. They were like, I grew up in a home very similar to me, you and her family. And I turned out OK.  So like you said, upside, downside, somebody said, as long as everybody's emotionally and physically stable and like mentally stable, is this really that bad, though? Like, like, of course, it's not ideal. But like, as long as they're together, it's all good. And it seemed like the dad and I'm not blaming him, but he seemed like way more chill about the situation than the mom did. The mom was really crying and stuff. Yeah, I mean, if you if the article tells you that the man of the house works infrequently, I mean, maybe he's doing other things. Maybe he's the one taking care of the kids, whatever it is. But I guess ideally you want both people working.  I talked to some friends about this, that they come from more of a poor background or low income background.  Guys, they still got a lot of time and a lot of chances. I'm not saying that's any situation you would wish for anybody, but they got a shot. They're in America, they're healthy, they're ready to work.  So so, of course. But yeah, I mean, if anybody out there knows how to help this family or help families like them, I mean, we through the church, we helped our family, helped certain families that maybe weren't in this quite situation, but a similar similar where they needed help. And it's just like, dude, being around meeting other families that come from a similar background that made in America is priceless, man. So that's what they need to do to see the reps, to see the examples. I'm sure they're doing it, but I hope that they're part of a community and I hope they figure it out. But yeah, again, like this is a common story. So you guys let us know in the comments down below what you think. Like what is advice that you could give this family or what are some stories maybe that you have of your own family or a family that you knew that was kind of starting from a similar situation. So hopefully this video was just helpful. Yeah, let us know what you think in the comment section below. Keep it productive until next time. We're the hot boys. We out. Peace.