This is stock number 11216. We are here at Summit Automotive in Fond du Lac, Wisconsin. You're new and used Jeep and Jeep Wrangler headquarters. Today we are checking out this super clean 2017 Jeep Wrangler Rubicon 2-door. This vehicle has the award-winning 3.6 liter Pentastar V6 motor. It has been fully safe and inspected by our service shop. It has a fresh oil and filter change. All the fluids have been checked and topped off and this Jeep is 100% ready to go. Black clear coat is the color we shoot all of our videos in 1080p 60 frames per second. So if you have HD capabilities on your computer tablet or smartphone device turn them on right now because it is definitely your best way to check out the quality and condition of the vehicle before seeing it in person. And if you want to check out all the photos on this Jeep in the upper right hand part of your screen is a link to our website. Click that and check us out. There comes with the painted and polished aluminum 17-inch rims. BF Goodrich all-terrain TA LT285 70R 17 tires and these tires are very new. I'd say 80 to 90% of the tread left on them. Frame and underbody is very nice and clean. Front fender is in nice shape. No major dents, dings or scuffs on that. This one does have the LED headlamps. Front bumper no major dents or dings on that and it does come with factory fog lights. The grille is in really nice shape and I didn't see any dents or dings on the hood. Passengers side front fender is in nice shape as well. No major scuffs or scrapes on there. And the passenger side rim no scuffs or scrapes on there either. As we go down this side of the vehicle take note of how clean the paint is and reflective. How clean the body is. No dents or dings. We take these HD videos so if you are far away or even if you're close by and just cannot make the trip down but you're still interested in purchasing the vehicle you can see the vehicle, hear the vehicle and have confidence in what you're looking at before you even get here. So that when you do get here there's absolutely no surprises. And that's why we offer the Summit Auto Fastpass option in the upper right hand part of your screen. A link right to our website to this vehicle where you can apply for financing, get pre-approved, see a payment quote, even appraise a trade all from the comfort of your own home. So when you get here all you have to do is drive the vehicle, love it. You'll be all set to go. Back rims in great shape and the back tires have just as much tread as the front tires. It does come with the Mopar chrome step bars and you can see just how clean that frame and underbody is very little to no corrosion. Door hinges look really good as well. You always have to check those for corrosion on the ringlers. People take them off sometimes paint chips but those look really good. This one does have a towing package, receiver hitch and four pin wiring. Matching spare tire it does have a backup camera on here and that is a brand new tire so you can see just how much tread is left on the new tire compared to the tires that are on it. Very very good tread on these tires. Back storage area is very nice and clean. These seats do fold down and up for extra storage and you can remove them by pulling this bar down and then they'll roll right out of there. You get the floor mat back here and then there is storage underneath here and you have places for your door hinges and roof hinges back here as well. Very nice and clean to get this back down you just kind of put it down like so make sure it's latched and then pull this back rest up and then that locks it in place. These hard top pieces come off with three bolts on each side two on the top for a total of eight and then you got two quick disconnects for your electrical and windshield washer fluid. Back gates in pretty nice shape and coming around this side of the vehicle just as clean as that passenger side. No dents or dings on the rear quarter and for full disclosure this back rim is in excellent shape as well and the hard top I didn't see any major imperfections on there looks really good all the way above. Driver side doors in pretty nice shape and it does come with heated power mirrors.  There are no rips, there are no tears on those seats. You get the Rubicon stitched into the backrest, driver seat height adjuster and factory all other floor mats in the front. Back seats are in really nice condition no rips or tears back there. Smells very clean inside this vehicle and you do get power locks and power locks. This one has the sway bar and axle lock that's really what makes a sway bar disconnect and axle lock that's what makes a Rubicon a Rubicon and as we hop inside the vehicle here you can see that this one has 43,078 miles. I'm gonna grab the keys here so we can start it up and take a look under the hood. You see you do have your compass and temperature display steering wheels in really nice shape. I didn't see any major rips or tears on it cruise controls on the right information center controls on the left this one does have a pioneer receiver this is an AVH 1550 NEX radio on here this is also where your backup camera shows up. You can see that works really nicely and it is an AM FM radio. Down here are your climate controls, your heated seat buttons and stability control, six speed manual transmission, 4x4 shifter on the floor and you do get that factory all-weather format on the passenger side and the passenger side seat is in excellent shape as well no rips or tears on there. Once again smells very clean I don't think this vehicle's ever been smoked in.  Dash is in really nice shape as well and we'll start it up and take a quick look under the hood. Starts right up. I would personally like to thank you for checking out the video today and hopefully from this HD video you will have been able to tell just how clean this Jeep is all the way around inside and out there are those LED headlamps. Under the hood we have the award-winning 3.6 liter Pentastar V6 motor and Jinbei is very clean, runs very smooth. Once again this vehicle has been fully safety inspected by our service shop as a professional in filter change and is 100% ready to go. LED lights are really nice, really bright, compare those to the halogen fog lamps there and once again this vehicle is 100% ready to go. I personally like to thank you for checking out the video today and hopefully you got a good idea of this Wrangler and to see more pictures of this Wrangler or one of our other 450 new and used cars, trucks, SCVs, minivans, Wranglers, you name it. We got to go to our website www.summitauto.com full pictures and descriptions of every single vehicle from two locations all at summitauto.com and if you'd like to check out more HD videos you can go to youtube.com slash summitauto. Remember to like, subscribe, and share on this video and all the videos that you see there. In fact in a second you will see a link to subscribe to our YouTube channel on your left. Link to more Jeep Wrangler videos like this one on your right if you have not been on our website on the bottom link to this vehicle on our website. Click those, check us out. We really look forward to helping with this super clean 2017 Jeep Wrangler Rubicon in black clear coat with the hard top and six speed manual transmission. Thanks again for checking out the video.


Hey guys, what is up? Welcome to my channel. So for today's video, I am going to be doing a makeup haul for you guys. And it's just a collection of things that I've picked up throughout the last month. So they're kind of from random places. A good mixture of drugstore and high-end, Sephora and hotel, all that good stuff. So if you want to see what I've purchased, then just keep watching. First of all, good morning. I've been loving these daily posts in the morning. I sit with my coffee and I answer you guys's comments. And it's not real-time posting, but I do film it the day before. So everything just feels like real-time and I am loving it. I've made a lot of statements about this, but yes, I do understand now is not the time that everybody is shopping. Completely understand, you know. It's up to you whether you decide that this is a time for you to shop or not. You know, I think we're all responsible for our own money. And for the most part, I definitely has stepped back with shopping. There's not as much releases anyways. And I'm not trying to make boredom purchases, though in this video I did fail some of these were boredom purchases, but definitely I've slowed down on my shopping. So these are things from before the quarantine, things before I knew what this was going to happen. But you know, a couple of things that I picked up during these sales. Also boredom shopping anyways. I have things from the drugstore, from Sephora, some are luxury from Nordstrom, some PR. So random stuff. Let's just get into it. I want to start off with the Indie brand purchase that I made. You guys know I feel very strongly right now about supporting smaller brands or Indie brands at this current moment in time because your money goes a lot further as far as helping somebody out, helping a company out, smaller business, all that good stuff. So I did purchase some more shadows from Terra Moons. If you're interested at all, I did a swatch video where I just watched pretty Indie eye shadows that I had and it was so fun. You guys really seemed to love it and I honestly loved doing that video. So I definitely plan on doing more. But actually, about a month ago, I had made a pre-order from Terra Moons on their Vivid's collection because the shades just looked beautiful. Okay, actually, I don't even think it was their Vivid's collection. I can't remember, but I will put it on the screen right here what the collection was called. But I wanted to share them with you because look how beautiful these shadows are. So the collection are these bottom six shades right here. And if you missed my spiel about Indie brands, I have learned that they have some of the best formulas in the business way better than any huge brand can recreate. And as you can see from the swatches, like these are absolutely stunning. I haven't yet put these on my eyes, but truly, I cannot wait. These are such a bright, beautiful kind of duochrome shades. Such a good formula. Terra Moons makes some amazing original formulas. And so I'm very excited to play with those colors. Now's the time to shop Indie, guys. I am full in. I have jumped in. I have drank the Kool-Aid. I see what you guys are talking about with Indie brands. Obsessed. This is a couple of trips to Sephora that I made. I went to Philly a few weeks ago before everything happened and I picked up three things. I picked up a couple of the new concealers. They're new-ish at this point. They're not very new, but everybody's been talking about them. And you guys have asked me a lot about them and I felt like I wasn't a true makeup reviewer. I did not purchase these two foundations to try out. So we have the Hourglass Vanish Concealer and then the Dior Forever Skin Correct. I got the Hourglass and the shade Fawn. This is the perfect shade. I love this shade. And then 2N for Dior, which again, I really like the shade as well. I could go a touch lighter, I think, with this one, but for the most part, I like pretty skin-toned concealers anyways. I don't care too much about brightening. So I'm very happy with the shades that I picked up.  Just reviewing the new-ish concealers that I've tried out. So these two will be in that video and I don't know. This concealer right now, I'm not too big of a fan of. I think it looks kind of cakey underneath my eyes. And I am liking the Dior Skin Correct, but it is a very, very light coverage I found. So none of these are knocking my socks off if I'm being honest, but I still am continuing to play with them, really get my opinions on them. So I was very excited to try both of these. So I did pick those up. The other thing from Sephora that I picked up when I was in Philly, it was just on sale. It was the last one. It was calling my name and this is just a palette that I happened not to have. So for 50% off, I picked up the Natasha Denona Diamond and blush in Citrus. I have Daria and I never got the chance to pick up Citrus because I felt like it worked better on more medium skin tones. But for 50% off, like I really do enjoy the formulas in here. I haven't dug into this one yet. I've been, I just don't want to touch it. It looks so pretty. I'm very excited to dig into this one. It has some very beautiful colors. I'm just excited to complete my collection with these though. I do think they're probably discontinuing this, but I'm such a Natasha Denona stand that I don't even care. I need to own this before it goes. So I'm very excited about this. I really love these blush palettes. And even though these are expensive, even at full price, they're really great for the value just because of the amount of product that you get. So for 50% off, that value gets even better. So I'm very excited that I purchased this. Last three things from Sephora. Now these are things that I definitely purchased out of complete boredom. I purchased these last week. I was bored. I gave in. First thing that I got was the Tatcha, the liquid silk canvas. I'm going to be honest. I do not know why I purchased this. It was just completely an impulse buy. I remember not being moved by the Tatcha, just the original silk canvas primer. This was an arm and a leg. This is $52. So for me to just kind of have this as an irrational purchase, why? Um, so I'm very excited to try it out. I have not yet tried it out. And I do want to retry the original silk canvas primer because I feel like I could probably use it now. My pores need a little bit of filling in, I've noticed. And so I've been using the Elf one and I actually really, really like that. So I want to step it up with Tatcha. So I did purchase this to give it a try, but I don't know. $52 is a lot just to give it a try. So this better work because I purchased it and I'm not going to return it. And then I also picked up the new Giorgio Armani luminous silk concealer. I got mine in the shade 4.5, which is a pretty good match as well. Today is my first day wearing this concealer. I was very excited because I love the luminous silk foundation. This is a very, very glowy concealer. Again, I'm not getting much coverage from it, but I don't think it's anything, bit of a corrector can't fix. As far as the texture and consistency goes and how it's laying on my skin, I actually really am liking this so far. I just don't think it has that much coverage, but this one's not bad at all. I still think I like my power fabric concealer better than I like this, but I'm not disappointed with this so far. I've only been wearing it for an hour though. So my concealer video is building up. I just want a few more days to try this concealer and then kind of compare my last couple of concealers, like one eye and one eye, and then I'll have like a full video going over all of those concealers. And then the last thing that I purchased from Sephora was the ABH lash brag volumizing mascara. I've heard many good things about this mascara. I got the baby because I don't need to be purchasing a full-size mascara. I love my Pat McGrath fetish eyes and my Essence lash princess. Those are my Holy Grail mascaras, but I'm always down to try a new one. So I got a little baby.  I want to say in a couple weeks, I would definitely be trying this out. And I love that even though it's a new mascara, it came in a mini size. I love when they do that. Usually they wait till the product's been out for a while to release a little travel size. So I'm still happy that they did that from the beginning for people like me who like to purchase the babies. Okay, so another purchase that I didn't need to make. I let you guys know on my community tab about the Nordstrom sale where they were having 25% off of beauty. Everything on the website really, beauty specifically, was what I linked you guys to. Which by the way, if you do want to keep up to date with sales that I think you guys might be interested in or products that are just releasing that I think you guys would be interested in. On my community tab, I do always post a link there. It is an affiliated link, but I mean you don't have to click it if you don't want to, that's fine. But if you are interested on getting that type of information instantly. If you turn my notification bell on, you will get notified of like every time I post a sale or something on the community tab. So I don't know, I know a lot of my subscribers already do it, but in case you didn't know and you don't want to miss out on the next time you can get luxury beauty for 25% off. I'm just, I'm just saying. Anyways, so I was resisting that sale. Saks, Neemans, all of those places also had sales. But I'm a Nordies girl most of the time and I wasn't gonna buy anything from the sale. I caved though, 25% off, it's such a good deal.  I've kind of been obsessing over them lately, her and Tom Ford. So I got one that I didn't have and you guys were asking me a lot about this quad. So I picked it up and this is the Queen of Glow and I have to say it is very, very pretty. It's not necessarily unique, but what is from Charlotte Tilbury, you know? This particular quad from what I can tell seems to be very medium to deep skin girl friendly. I tested it on my mom who has a medium complexion. I just think this is a good one if you aren't fair and you're looking for a good Charlotte Tilbury option. So I've been eyeing this palette. I finally caved it. I'm happy I waited because I got it on 25% off. But I finally got the Dominique Cosmetics Latte II, the original latte palette. One of my all time favorite palettes as far as every day goes and this kind of looks the same, but I needed to have it. It is such a pretty palette. The colors are so beautiful. I haven't gotten the chance to use it yet, but I love her neutral tones. I think she does a great job picking out her neutral shades and her palettes in general. I really do enjoy. It's not a brand that I pick up every palette from, you know? But if the palette does intrigue me or if the product does intrigue me, I will pick it up. So I have been eyeing this palette for a long time. So I'm happy that I finally got to pick it up. I also have had some fun at the drugstore. I picked up just a few things that I saw Ulta that kind of caught my eye. I've been wanting to try this so bad. This is the Thrive Cosmetics liquid lash extensions mascara. I've never seen this in person. I was so excited to see it at my Ulta. Obviously this was weeks ago because Ulta has been closed. I think it's Kathleen Lights that always talks about this mascara, but I've seen things about this mascara everywhere and I'm always down to try a new mascara to see if it's the next best thing in my collection. I haven't opened it yet. I don't want to, but it's supposed to be like one of those tubing mascaras, which I've also never tried. So I'm ecstatic to try this. This may be the next mascara that I open when my benefit roller lash runs out. Very, very excited to give this one a go. I also just picked up a regular ELF 16 hour camo concealer. The reason being, you guys always ask me about this concealer and my thoughts on it, and I do have it. I think it's pretty dry, but the color that I have is just so light on me that I feel like I really can't give it a fair chance. So I bought a color that is darker, so I'm going to mix them and see if I can really get a true opinion on the concealer. I'm sure it's still drying, but I think I will like it better if it was not so white on me. So I got the shade medium beige, and this seems to be a much better color from the tube. It does look like it's going to be dark, but that's okay because I can mix it with my light shade. So I'm excited to give this concealer a fair chance. Now, this isn't a new concealer, but I will update you in my concealer video about how this works for me now that I have it in a better shade that's going to work for me. And then I also do have the dewy version as well that will be featured in that concealer video. And I've been wanting to try these. I've never tried these from ColourPop, so I just picked up two colors that randomly at my Ulta, whatever they had available, because the stock in ColourPop and my local Ulta is horrible, but I've always wanted to try their sticks. So I got a blush stick in the shade 258. That looks really beautiful. I like that color. This is like a pink color with a little bit of peachy orange undertones to it. So we'll have to give that one a go. And then I got a highlight stick, which normally I'm not a big fan of cream highlighters. I'm a powder girl all the way, but this is in the shade Earth. So we will have to give this one a go as well just to be fair and to give the formula a good try, but they both look very pretty. I think I did a good job picking the colors. So if I like these, I definitely plan on picking up more of these because I love owning ColourPop, but I haven't tried these formulas yet, so I was very, very curious. I also have heard endless good things about this palette. I don't believe in drugstore eyeshadows. All of the experiences that I've had with drugstore eyeshadow palettes have just been subpar honestly. I've heard a lot of good things about this Maybelline Newt of New York palette and I'm not gonna lie, it's really, really pretty. I haven't used it yet on my eyes, but I have high hopes for it because the reaction to this palette seems to be very good and I am always looking to confirm good drugstore products for you guys, even though I'm a majority luxury channel. I love when drugstore makeup works. I really, really do. So this looks very pretty. I really like the colors. It looks great for everybody truly, just these beautiful, neutral tones and looking at them in the pan, they're looking good because I feel like drugstore eyeshadows, you can look at them and tell that they're drugstore. They just have this weird press and consistency to them. This one doesn't really have that. So, so far, we'll see. We'll see. You know what? Let me feel them. I haven't swatched these yet. Let me... Okay, okay. Let's... I don't know. I don't know, guys. These shimmers seem a little dry. Ooh, oh my gosh. That matte though, just swatched. So smooth. I'm intrigued. And then the last thing that I got from Ulta is from Ardell and I've already mentioned these in my March favorites, but this isn't another style that I wanted to show you. I picked up 424. These ones have a little bit more wispiness to them. They're less thick, but they're more fluffy. I haven't tried this style yet, but I'm very excited. If you're looking for really nice, natural, false lashes that have some fluff to them so they seem a little bit more expensive than they actually are. The Ardell Naked Lashes line is really, really good. I've been enjoying that line. Oh, the last thing from the drugstore that I got was I picked up this Milani lip gloss in the shade Semi Charmed. I just like how big the packaging is. It's really big and round and I got this beautiful mauve-y shade. I haven't tried this yet, but I love glosses, luxury, high-end, affordable. It doesn't matter. I love a good gloss and I just feel like this is gonna be good. I can feel it. Okay, and then the last few things that I want to show you guys are from PR and of course I'm very blessed to sometimes receive PR and I'm very appreciative. So the first one is from Good Molecules and this is the Pineapple Exfoliating Powder. I've been very into skincare recently. I've been really looking into ingredients of products and trying to get a nice routine going for myself. I have commitment issues when it comes to skincare because I do like skincare, but I'm a serial skincare user so I will just try one and then I'll try another one the next day. I don't actually have a set routine. I'm going to see how I can incorporate this. I've been trying to improve my skin. It seems to be working. I've been controlling the products that I've been using on my skin. So this is the Pineapple Exfoliating Powder and it's called an Exfoliating Powder because I don't know if you guys can see that, but it's actually powder on the inside. Ooh, I'm so excited and I just love the bright colors of Good Molecules. The price point of Good Molecules is there. So definitely look into their range. They do have a very nice range. And the last package that I got yesterday, I was so excited about this. So Milani actually sent me PR and I'm very excited about that. They've never sent me PR before. And Milani is one of my favorite drugstore brands. They are by far one of the strongest drugstore brands, in my opinion, as far as quality and packaging goes. They sent me their Ludicrous Lights Collection, which you guys, these look so stunning. So this is Pichella, which I guess is a play on Coachella.  This is Lala Pabluza. I haven't swatched these yet. Let's see. Oh gosh. Oh my gosh. These are gonna be so fun, especially since I'm into these pastel, weird springy makeup vibes right now. Pinkaboo. These are just cool.  But these are Duochrome highlighters. There's three of their lid toppers also in this collection and these all correspond with the highlight colors. So it's three different types of the same shade. And then the last part in that collection are these really neat Duochrome glosses. Oh my gosh. How cool are these? Let me try this pinky purple one. This is the Pinkaroo on my lips. Ooh, these smell super good. I don't know what that smell is, but I like it. Ooh. Do you see that? That's really pretty. And that goes perfectly with my Duochrome eyes. Side note, this is really random, but I barely buy new clothes because I'm a PE teacher. I wear gym clothes every day, but I did make an order off American Eagle. I talked about this in yesterday's video. Everything was 50% off for like a day. And look at this top that I bought. It's so cute. Now, I don't know if the sale's still going on, but I love this shirt. American Eagle. So cute. Feels nice to have some new cute clothes. I'm in a trotting mood today. If you're not shopping right now, I hope maybe you could vicariously lift through this video. If you are shopping right now, I hope maybe I inspired you to look at some new cool things. So that is all I have for today's video. I hope you guys enjoyed it. I hope you found it helpful in one way or another. If you aren't subscribed to my channel yet, I hope guys take the time to do so. I am posting six days a week. I'm trying to make Sunday my break day. Don't hold me to that. Okay, anything can happen, but that is my goal for myself right now. And I will see you guys in the next video. Have a good one. Stay safe. Wash your hands. Stay healthy. Stay at home and make the best of what we have right now. So I will see you guys in the next video. Bye, guys. Have a good one.


In this segment, I'm going to talk about small grain varieties. We're going to talk about barley, derm wheat, and the spring wheat varieties and kind of the what has done well out here in the southwest North Dakota. Our first crop will be barley. As you've been to the tours in the past, there's kind of been a change in that in the malting industry where all is really wanted is two row barleys, and actually this year the only six row barley we have in the trials tradition, kind of a long term chap, still kind of a popular variety for some of the malters, but they actually all the industry, even the you know the domestics are switching over to two rows. As far as what's done well out here in the western part of the state, Indy Genesis is the variety to actually that when we look over as far as three-year averages, Genesis actually has been the variety that actually has the top yield, but with that also has quality. It has really good plump values and also will be the lowest protein, which is what they're looking for in the malting industry is actually lower protein. So this variety kind of has it all. It is adapted well out here, does good yields, but also has good quality to where it actually has good plump values and good protein percents. There has been other entries into this trial. The companies, you know, Bush-Aggre and Limergreen have stuck some other things in here that actually have yielded good out here, but just haven't had that quality, especially with the protein. They're often at least a percent higher in protein than Genesis is. So when I look at a variety that's adapted for out here, Indy Genesis is the one I'm going to recommend for barley. So the next crop we're going to talk about is Derm wheat. We had a couple new releases in 2017, Indy Grano, Indy Rivland out of the Indy SU programs. Indy Grano was released for the North Central Plutter estate because it did well at the Minot location. Rivland is a variety that has done very well out west. Now, both of these varieties are low, cadmium accumulating varieties, which isn't really an industry for the domestics, but is always concerned as far as exporting into Europe. Canada has a variety called strong-filled, which is low cadmium. There's always been some concern. They might lower the amount of cadmium they allow. We have soils sometimes we can have high cadmium accumulation in our Derm. These two are low. Rivland has done well out here in the west. It yields the same as Joppa, but it also has really better, even a little bit better quality than Joppa. So it actually has good induced quality. It actually has good protein. It actually has better scab tolerance than many of the other Derms. So we're still not anywhere the level we are with springweeds. If we get a year like last year where we're having a lot of rainfall at that flowering time, Indy Rivland is still going to be looking at that fungicide application. But if you're looking at switching Derm varieties, Rivland is the one that shines out here west and the one I would look at switching for. Another interesting thing we did see last year at the Dickinson Station, he gets all his protein samples done at the Southwest Green Derm Turnable. And he actually sent in the samples. They just have plot numbers on it. When he went to pick up the results, he commented, well, these three actually had really highest quality. Just looked far better than everything else. And we know last year was kind of crummy as far as quality. And when he looked up what those plot numbers were, those were all the Indy Rivland plots. So it's one last year that for whatever reason actually held its quality the best also when we got in a little tough climate. So just another aspect looking like another reason to recommend Rivland for our region. Okay, the next crop we're going to talk about is our springweight varieties. And this one becomes a little more difficult. We have a lot of new varieties every year. It's not uncommon for me to have 8, 12 new varieties a year. I kind of looked it up. Over the last four years, we've actually had 35 new varieties released for the Northern Plains. So this starts to look a whole lot more like corn and soybeans anymore. There's a lot of information to sift through and look for. So this is actually where you're going to be looking where that information and that guide, that variety guide that we put out every year on springweight that has all the yields from all the locations but also has their disease ratings or quality ratings. And you can look for information on that. I know last year people were looking for falling numbers information or like, is there falling numbers, info on varieties? Yes there is. It's in this publication. We actually do get that quality samples that it is a year behind but they actually are some differences between the varieties, how they naturally respond as far as falling numbers. So anyway, I kind of got the stakes lined out here. Varieties we're going to talk about. I didn't put them in front of the plot because we'd have to do a lot of jogging around to get to them because we have 53 varieties out here this year, somewhere along those lines. So I just kind of wanted to highlight here. The first one I have on there, that LCS trigger, I just put that on there because this is the top yielding variety that we've had up this location. The downside to that, very low protein. It's actually one they released for the eastern part of the state but they discovered actually that it did well out west. And it does yield very well. It just does not have protein. Then kind of this NIST group I have in here, this is kind of those group where it's kind of yield or yield and protein. Shelly is one out of Minnesota medium maturity, has a good disease package, monitors listen as far as a scab. And it's actually been one that's had really good yields, kind of average protein. So maybe a little more on the yield side, a little more average on the protein. LANG, that is actually another one from Minnesota. Another medium, early maturity, medium height, has a really good disease package, has good test weight in protein. Probably the yielding will just slightly less than Shelly but it's going to have a little bit higher in protein. Now this LANDing is an interesting one. Actually, it's actually had really good yields. The 2018 is one of our top varieties out here. Average as far as protein, it does have high gluten content. And what's interesting about that one, there's a couple things. One thing, it has a gene in it for longer stay green. So it's one of them as that green mature as it's supposed to hold its green a little longer which hopefully leaves some better green feel. This also has some aluminum tolerance. So when we get up here closer like that New England up at a Dickinson area where we're having some low pH soils, this was one that looks like it hopefully responds a little better when we have those low pH soils that we're having to deal with. Psyrockford, that is a Sogenta agropro variety that's targeted to the west or not here. Good as fall or as full or disease. Okay, as far as scab, good protein. Low less in yield but it does have that good protein value. And then that last one there is LNG, NDSU variety. That's actually been around for a little bit out here but this guy continues to shine out here. Especially when we have a dry year like this one I expect to actually see this perform well again. Even last year you'll see it was above the average. You know year in and year out it's a variety that's got good yield and has good protein to it. So that's what I said, that's kind of my group that's kind of that yield protein. This next group here, this is our high quality weeds. That ND Froberg, that actually is a new release out of the program. Actually it's just a July 2020 release just coming out of that program. What kind of target it actually has a Glenn. What we're looking at this one, it's a high quality variety, light Glenn, but it's going to yield a four to five bushel better than Glenn what I've seen in my trials. It's not going to be at the top end like it is at the trial there but it is going to have good protein, good quality characteristics. I've only had it a couple of years out here so we'll see how that responds. You know over at Long Hall, if you actually are interested in seeing it and it's something bigger than a drill step, I actually have one of my two acre blocks planted to Froberg and I'll have that a sign on that and it'll be off airport road, you can take a look at that come to the center. ND VIP Pro, that's actually a little bit earlier release out of the ND SU program. Also a very high quality wheat, it's probably then it's usually average or slightly bow as far as yield but its name stands for vitreous kernel high protein so once again look at it at a high quality wheat. Maybe it doesn't have that top end yield potential but actually is a consistent performer out here. And then Bowles has actually went out of Minnesota. This consistently is the highest protein variety in the trial. It does not have that yield but it does have really good quality. If I am actually really going for protein that's the variety that's going to bring me the protein. Like I said it is always the top protein. You know I have 50 varieties in this trial and this guy will be at the top. Now these last ones here just some unique characteristics. That to Si Longmere that's actually a new one from Sojenta that is a full solid stem variety. And I know we've had pockets where we're seeing soft fly come up again and this variety actually is performed well out here and when I look over results it's significantly better as far as yield than mott. The last kind of our best variety several years ago released when we hit soft light. That variety has been around 10 years or better. So Longmere I think is one you can look at if you know you're going to have some soft light concerns. And like I said it looks to me like that's kind of our best yielding option as far as a solid stem type variety. And then this last one here actually this SY-611 CL2. That is a Clearfield 2 gene variety. I haven't seen a lot of need for that out of here. This is one where if you're looking at that beyond the on there that gives me some grass control options for those wild oats, for those pox tails those kind of things. It's not something I'm going to use every year. I think it's something I'm going to be targeted where I have fields with a problem. The other thing about this variety actually it has been one of the top form varieties out here as far as yield. Its protein's been slightly bro average. Like I said I see that one just kind of a niche for where people are growing. I think that we're good too. We have some new things that maybe we only have a year on them so far that I want to see how they perform a little better out here. But we'll be looking at it once again I think we probably have about ten new varieties in this trial again this year and we'll see how hopefully things perform. Like I said looking at it's going to be a tough year but we also have to see how these things perform in drought. So hopefully like I said look for that opportunity. Thank you.


Okay, welcome everybody to creating an open-source fraud risk management system in order to close financial inclusion gap I'm Greg McCormick. I'll be the presenter today. I'm a member of the Mojloop Foundation technical governing board and I'm also I work for cyber and systems as a day job as a chief strategic strategic business development officer I Work for cyber and systems of the day job as a chief strategic business development officer What I want to talk to you today is about how to solve financial inclusion how to Take action But I want to talk to you today is about a journey that started years ago With the project called Mojloop. So that's what we see Mojloop Foundation and all over this stuff The idea was to build a central switch and that simple switch would Lower the cost of operations for for therefore ease financial inclusion and doing so and it's very expensive to run national switch It's also a lot of the techniques behind it our old real-time Didn't exist things like that. So we thought about to solve that problem and during that problem We also realized that we needed to solve the problem of fraud So very early on this was decided That there would be a fraud part of this project that really wouldn't be part of this project if Mojloop has Created its own foundation at this point in time and it's off on its own. That's you get some funding and things like that, but But but but how do we how did we go about that? We'll get to that in just a second So so first off, you know, we're all the different ways that we would improve financial inclusion Simplify access and improve the rules for accessing financial inclusion Right now, it's known that some of the FATQ rules the KYC processes that you hear about they're probably a little too stringent For People that don't have documentation if you don't have documentation you don't have an ID Therefore you don't have an identity. There's all I could go on and on about this They've been working on this problem for years with risk-based assessment models Increasing the access by creating more and better programs. So this is through Veterans from the Gates Foundation and and others That are seeking to add systems for financial inclusion throughout the world Reduce the friction of onboarding. So how do we make it easier for somebody to actually join a system? Which is everything from identity to also the process just making it simpler quicker and easier And then how to reduce the friction of using mojo loop the ease of use Because they are one of the areas that we're trying to do with that and in the interoperability So how do we make that switch work with other switches much more easily? So this is some of the problems that we've been trying to solve And more importantly, how do we reduce the cost right when we reduce the cost with open source software? So open source can't solve every problem. Sorry. It can't There are times where we're some good old commercial off the shelf Our resolutions need to be done Um, but the open source cost Costing structure certainly can drive the cost down on the overall solution And therefore something we wanted to let's look at Say and we wanted to remove the fraud costs from the system. So how do we look at that? We're really only just doing that mojo loop itself has been going on often I'm just going to say five years. I think it's been longer than I think it's eight But um, how do we reduce the cost of fraud in the system? And and we do that by obviously making an open source antifraud software, which we're going to talk about But also by making a better mousetrap by making a better system And a better system that is easier to be included in other people's solutions so that it can grab some Get some legs be planted. So, um, we got given the keys if you will and we got told to start from scratch and design from scratch And we were able to do that quite a bit and therefore we've got a very very good engine This is that underneath all this So we like to talk about this on living the life of someone earning less than two dollars a day I don't think I need to really go into an explanation of that but it's not very easy and So you kind of put yourself in the right crew of mind where we're really trying to help people At that end of the spectrum Just frankly join a system and and not to rip off because if they get ripped off if they fall to create a fraud It could be their life savings. They're decade savings. They're you know, it's it's horrible. It's a horrible situation So what is a digital public good? Um, it's something that we Uh, we believe is the key to achieving financial inclusion So there's lots of different fragments systems out there. Those are things we've been working on for quite a while 2007 Um, we eventually got to connected systems or how do we do interoperability between systems in uh, 2018? um But now we're starting to move beyond Just the idea of um, of a payment system being a digital public good or something that provides something That lends itself towards some sort of a payment. We're also seeing that we're we're we can you know stopping fraud stops expenditure We can pulls that out of the system and therefore in turn um You have a lower cost or lower barrier to get in so public good may actually be a lot broader And and yes, obviously public good can be any public good. But what we're talking about here We're talking about financial inclusive type goods and the fraud stuff can be a little bit different to uh to follow So mojo loop like I mentioned it transformed real-time payments. Um lower cost of capital upfront Lower maintenance cost because the effort is shared across many organizations No vendor lock in uh lower cost to acquire With additional functionality and things like that. So These are the same principles with that we are following with the open source software Lower cost of capital upfront lower maintenance costs, etc. Etc. So it's the exact same thing It's just that we're focusing on the fraud side of things Uh, the mojo loop community itself has grown to um about 1200 participants six continents 47 countries So we're hoping that uh, we'll we'll write on their coattails a little bit And think that we'll have the benefit of being able to do that But we are not restricted to be working with them at all. In fact, we don't want to be seen like that We don't want to be seen as a mojo loop project, which we are not we are a completely independent project Um, we're going to take it more of our wings. Uh, this year. Uh, basically we got the mbp got done this year We're going to create a center of excellence surrounding this and we're going to start defining it more in this year So what is um, what is fraud risk management system? What's the system for doing this in in general? Um, you know going back to the beginning of mojo loop, like I said, it was always envisioned. There would be some sort of anti fraud Uh, the first thing that was commissioned Was something that lovingly became to be called the thieves guy Which basically meant if you did all the instructions in the exact opposite you would probably be probably be a pretty good thief So that was commissioned to explore all the fraud patterns the anti fraud programs for mobile money And things again, but its focus was really only on mobile money and only on certain types of things Uh, but it was a very good starting point a very good guide. We still use the book regularly Um, next a group that was originally run by Deloitte Did studies on fraud typologies that affected central switches Now keep in mind that mojo loop is designed to be a centralized switch or a switch that runs at the government level However, I've been proving in my company that we can do it easy for a lot more things We're doing it with pan african banks and a variety of others and getting some some good benefit out of that So this was originally started by Deloitte And some of us started helping to expand on those typologies And then eventually it became a full fledged project about 18 19 months ago. So why do we start now? I love this phrase It's from urgen stock who's the Interpol secretary general With more than 4.5 billion people online more than half of humanity is at risk of falling victim to cyber crime at any time Requiring a unified and strong response That's why we're doing this now and that's why we're speeding things up And that's why we're hopefully building a very good engine that other people can utilize and can leverage and can Do any of the work with his own So it was code named accio. Um, we gave that that name latin for action Um, but it's really not going to be the name. We haven't decided that there'll be a whole focus Session and an organization that will deal with that process as far as the legality of it Um, but for right now, we still call it accio Um, that will not be the name at some point in time. So It's a newly developed open source transactional monitoring system And the key is progress management system I was talking about that just a minute ago and now i'm talking about a transaction monitoring system All right, so a transactional monitoring system is part of An overall risk mitigation program or service system Um, we're calling it the the whole system that we're trying to do a fraud risk management system But this is specifically talking to transactional monitoring what we can do with it So the goal behind here is to Reduce fraud money laundering the financing of terrorism and the greater financial ecosystem To reduce the cost of fighting all those issues because an awful lot of expense that goes into that Provide systems for those organizations that it could not otherwise afford it ideal I'm on the African continent and ideal on a feels like a daily basis with people that Only are taking their fraud efforts or the anti-fraud efforts to a certain level simply because they just don't have the budget So it's a choice operate or not operate So they have to make that hard decision of yes, we'd love to crank up what we can do We'd love to do that at a higher level. We just can't So hopefully these types of programs will give those legs Back to them and they'll be able to to do to take some action and do some things um, we'll be uh increasing financial inclusion by Reducing the pass through costs of customers due to fraud and fraud mitigation So there is an enormous amount of cost that gets passed through in the fraud programs There's always going to be loss. We can't get rid of loss What we can do is reduce it to an acceptable level So you've got to pass through the cost of the loss You've got to pass through the cost of the system You've got to pass through the cost of all the people running them and everything else And it gets really expensive and then depending on what country you're in or what jurisdiction you're in depending on if they determine if it's fraud or not That fraud might be passed on and the organization itself may be forced to eat that cost In which case it goes back into the system as more cost So there's a lot a lot of stuff that goes on place So so who's this for it's for financial service providers obviously system integrators So people that want to build services around this it's for regulators So a regulator in a small country like same allowing Could put a product like this on a list That could be available to a small insurance company or a small fintech That says hey, I want to be running Something for my anti fraud program, but I just can't afford it. I don't know where to go Hey, check out this. There's a lower cost barrier entry to entry and doing this Let's start here. So that's how the regulators can be involved But on the ISB side One of the things that I'm excited about is the way that we designed this engine Is so that it can be plugged into different points and it can be extended to different points So right now we're focused mainly on payments But we take out what's called the ppa the payment adapter at the front end or or what reads the actions or the activities Replace that with something for insurance and now we've got an insurance system Right now we're not a lot. We don't do a lot with machine learning Mainly because the regulators aren't sure about it It's a black box kind of a solution Yes, you can see what you put into it to run, but you don't necessarily know how I've made the decision So what we've allowed is a path In here so that you could run machine machine learning and then back that up with with an algorithmic type approach or things like that So so An ISB could get really created with this because of the fact that it's an engine So what if you want to make something that was focused on the the fraud around? Identity identity theft or identity fraud. Yeah, synthetic Identities And and part of that process was figuring out You know all all these things were we're coming up and we're coming from IP addresses in the wrong locations and things like that That is that's something that we normally try to To to pull into the picture, right? But if if you have an engine that is reading directly from the cyber tools The cyber tool kit and combining that with the fraud tool kit You're going to have something very powerful So I do think there's a lot of a lot of room to innovate and get creative here So, you know, what are we trying to do in general? We're trying to save the money with open source software We want to tune this and calibrate it. So it's just to your needs Just what you need just what you need to solve that situation so that you don't you know Spend hundreds of thousands of dollars on on a system that you're going to only use 20 percent Um, so basically implement exactly what you need again low cost to acquire low cost implement low cost That's we all know the mantra here and and what we're trying to do is far away. So software So what is this? Um Well, first off Let's talk about the fact that we went with a model called semi attached part of that Deloitte research was On researching models for operation and again, this was focused primarily on On centralized switches So what we wound up choosing what um, because it was more ubiquitous it worked for more More situations for more people is a semi attached model And that is where there's a centralized financial prime risk Every all the payments are going through a hub But all the digital financial service providers or dfs p's Are running a piece of the action on their own because frankly, they're always responsible for Whether they're putting good or bad transactions up into the system Um, so this is called the semi attached model as the model that we follow at the moment The portions in green are the portions that were built out for the mbp One thing I'd like to point out is this is kind of a part of a three-legged stool So you've got your kyc screening and your due diligence that goes up front We leverage that data heavily You've got your nightly screening changes that happen overnight We leverage that as well. We are the transaction moderates. So we're we're The payment transaction We're the transaction to change your value within a system the sub rights or for somebody to access something Uh, a password things like that We're we're that behind the scenes that's that's crawling through the locks and saying that users shouldn't have done this on behalf of that other customer for example So this information could come from from all over the close But the bottom line is is what you've got and you've got customers these institutions the individuals The financial service providers that are servicing them. You've got them And then you've got a switching hub that switching hub in this model is really meant as a central hub or a central environment But it could be any type of switch. It could be Efts a ch etc Um and in that monitoring then we've got basically the monitoring API service that monitors what's going on Data preparation the data preparation is huge and that the data preparation It's all about the data and and being able to make a good decision data preparation is everything from cast forecast pulls forward Pretty aggregate. It's just a lot of different things um Then there's the actual transaction evaluation and then it spits out basically for The transaction and for a typology So you could have multiple typologies that fire per transaction for one or none And then it sends that information into a JSON file which is packaged up So all the information could go into a case management system of each one step to be open source product could be whatever you want Um Could it could be sales force for that path at that point then you would go into analytics investigation mode And you're working back to forth with the body aids. So that's kind of how it fits into the the whole system So Let's talk through this scenario We've got a typology background a typology is just that it's just a An ordered structure of how certain things work together Um, so we've got a damu. I'm doing electronic funds transfer fund mobile money going through the payment switch We've got bingo on doing in the ft through the bank We've got chedgy doing a cash deposit through a money remember and so i'm going into that central hub All right The transaction amounts are very similar for each transaction And they're all catching out to two different people. So um, you can see that Within an organization and put together that picture and that becomes Um, a scam. So this is a typology 28. It's overall generalized a scam typology false promotions fish and social engineering things like that Um, but when you have a switch involved you can actually see what's going on more because you've got multiple banks or multiple financial institutions Sending the information upstream So you can see you know, they are getting you know lots of payments for these two people But they're coming from these three people at these bank this bank and these three people at the other bank So that is that's a huge thing. Uh, it's not Done a lot a lot. You know switches are opaque as far as information. That's something that we're trying to change So to continue on with the you know, what is a false promotion? fishing social engineering Let's do the rules breakdown so The the there's all information about the debtor did the debtor make a very large payment Did the debtor make a larger payment than usual? Is the debtor in a vulnerable age category? So someone over say 65 or something like that did the debtor's account activity increase compared to their history? Is this the first time the debtor is paying this particular creditor this particular person? Did the debtor pay the same creditor more than once? So we're looking for repetition or or evolving stuff Um, so this goes to the the transaction Monitor everything goes through there. The topology is evaluated on the creditor's side. We're looking at things Did the creditor receive a large number of similar transactions? Does the creditor receive payments from a large number of different debtors? Was the creditor's account dormant for an extended period of time? In other words, did it go dormant and just came up blind just for this one situation? Do amounts flowing into the creditor's account appear artificially random? All right, something's called Benford's law Does the creditor's outgoing transaction amounts match the sum of incoming amounts? Did the creditor's account activity increase compared to their history, etc, etc I'm not going to waste a lot more time with that, but that's basically a typology that is made of these individual rules So all these individual rules may be used by one or more typologies And in fact, that's exactly what we've got here So one of the things that we were able to do is we created a concept that we call the network map And and it takes to look at the type of transaction and it says For example, if this is not a forex transaction, it's never going to run a forex typology So why run anything for a forex typology? All right, so simple things, you know ruling different things out But then it also takes a look and it says all these right here Require this particular rule. This is Benford's law Do amounts flowing into the creditor's account appear artificially random? All right So basically what that means is that map will tell us that for that particular transaction We need to run that rule once and only once and then that will benefit all these different other typologies And that's some one of the many many ways we get additional tuning and we get additional performance out of the system Okay, so let's move on to typology modeling Uh, there is a lot that goes into this. We're not sure how to share this information yet On the enlist to say if we make it too public the bad guys have Get a hold of it. The bad guys are probably going to get a hold of it anyway So there's lots of conflicting opinions on how to deal with this But for the most part we'll we'll probably it'll be a select group that has to pass some some sort of background check to get access to the typologies There will be a group that continues You know working on typologies and updating them understanding how to use them And then normally when you you're putting something like this in place You would hire someone like like a Deloitte for example And they would go and they say hey you have this type of data Therefore you can determine these type of things and these amount of time frames And then we'd apply the typologies to and all the different rules and stuff like that But there's a lot of information that goes into these different typologies So what is the process flow? This is where I think it's interesting So I mentioned that PPA adapter Um, basically we receive um, you know from the client platform transaction message in this case All this is it's centered around ISO 222 This could be any type of format any type of message That's irrelevant. So it all kicks off with this PPA adapter the what monitoring system There's the apis that are for the transaction monitoring system that understand what's going on And now the message is for data preparation and things like that There's the whole data prep layer that has to go on data prep is continuously going on. We have a series of things that do That data governance And then as well as tracking all the journey and all the manipulation all the adjustments to the data Where the source of it isn't things like that Um, we have the crystal layer which is basically figures out what's the channel route, right? The channel is another concept that's used for tuning We have this concept called multiple channels If you have real-time rules for example that have to run very fast normally people would think of credit card rules Um, we would run those in a separate chain So part of that Transaction analysis would be do I need a real-time check? Do I need a real-time addiction? I guess I do it's only three these three rules These three rules will run in that channel and then later on after that channel's been processed The other rules will catch up and things along those lines We have all the individual rules. They're all again working off of an iso 222 compliant model Um, we then have the aggregator for the transaction And the channel aggregator that goes on so Um, basically we evaluated topology level did the topology have enough stuff to fire Um, what if we ran five technologies for a given circumstance, but none of the five hit their limit But two of them when combined did actually hit their line So we're evaluating through things like that and then we're evaluating at the channel level as well And then we're doing we're again, we're aggregating at the at the actual transaction So did anything fire for the transaction? And then at that point we we export we basically create a series of files that are used for two things Although we say cms the reality is it's if you have a system where we have to send an alert someplace else And then the cms system That would work most ways we see stuff is with cms Which will then fire off failers and stuff like that and start the investigation process Um, all of this basically means that once we get to the channel processor router set up There's a lot of things going in flight and we've got the ability to auto scale scale up and scale down Um to to manage all these different things So, um And the the topology lifecycle is is interesting Basically, you need to develop the individual rules You need to sit back and compose the individual typology um, so one in those rules, um You know go together and how do they go together to make up that typology and deploy the typology Then you have to calibrate the typology So we mentioned age earlier ages in early one for a determination of both age of account Um a scenario like that an account hasn't been has been dormant for 90 days. It suddenly it's activated Maybe you should take a look at that Or if a certain type of a scam Some it's a scam portfolio is suddenly working for someone that's like sale of the age of 65 or 70 But that would need to be calibrated for your particular environment. You could have a younger set of users You could have an older set of users Um, all those calibrations need to occur and that's part of this entire process So the first is we we we build and define the rule Then we compose this into topologies. We deploy those typologies and then Excuse me for the given circumstance For um for a user we would calibrate that for their environment and for their needs And in this case, uh typology 28, which is we abbreviated and call it scams Um has all those rules rule three eight 10 11 16 18 and so on And then everything after the at simple is the version level. Okay From a data model standpoint, we have a robust data model. We Take advantage of a multimodal database. So we do have a graph database and we have a doctrine database In the system. I'm not going to go into too much detail about that Nevertheless, it all works well together and we use an i-fi as far as feeding the system and getting things into and out of the system doing manipulations on auto system things like that Excuse me And I'll just move on with those items So in the stuff that you're probably more interested in talking about is these What is the actual architecture? Um Again our remit and I think I missed that slide here somewhere, but there was supposed to be a remit as far as what it is that we were doing And what I mean by that is is we had a target of being able to process 3000 transactions a second And we had a a target of being able to process a single individual typology within 35 seconds So if there needed to be a real-time stoppage of something In the case of a real-time interdiction that could be done within 35 seconds Now what we've done with all this is beginning a project We actually timed everything out and improved That we could meet make those speeds. In fact, we we tripled the speeds That once we could prove and we went into how do we create a simple to a simple solution That solves a not very simple problem That can be managed pretty well um So basically from there, we we adjusted the parts the pieces and parts as far as what we were using um You know ambassador for examples are a ki gateway whereas we sit within services mesh that link or d so all the security folds up The actio individual services that create those channels that run as those individual tunable channels Run an open fast, which also scales up and scales down Actually vault actually corporate evolved key club, etc We do use caching. We use red as caching and rango db for the persistent data store The elk stack as far as the apm the dashboards and the reports We do have complete telemetry on this entire solution um As I mentioned nifi is is in use for we use it both for the pseudo anonymization in the layer because we're We're trying to take that risk out of things We're doing it for the entity resolution and a lot of the data transformation the persistence the whole model how it runs through the entire system and then The whole thing runs in a kubernetes stack um And we uh, the cscd is basically run by genkins testing and postman and there's another testing Uh objects that are are nemen only Um, that is about what I've got for you. Um What I am going to go into is this is kind of the end of the presentation um This was kind of interesting because we weren't trying to give you a lot of tech and we weren't trying to you know You have to show you enough tech. Um, we were trying to show you the problem. We were solving So this is the actual slide one of the the early slides they went with modulate which said, you know building an ecosystem that benefits everybody Um, I've taken that and I've added an antifraud ecosystem that benefits everybody still benefits fintech central banks governments versions users um We're in the process of building over the course the next year the open source fraud risk management system center of excellence Um Have no idea what that's going to be called yet. It's going to be an interesting journey as we go through the year And we'll see So thank you very much. Um join us. There's plenty of room to engage You we're looking for adopters. We're looking for people. Um That uh, that that want to be early in that maybe maybe have a Customized need even we're looking for that. We're looking for people that would contribute and we're looking for people that would join the foundation Or excuse me, it won't be a foundation to the center of excellence. So thank you very much. Again. My name is Greg McCormick I'm the modulate foundation technical along the governing board for the technical board and um at sarvin systems. I am the chief strategic business development officer Um, those are my my emails. Um, when it comes to this in particular if you're trying to reach out to me I would use my personal email first Um, we're trying to run this stuff kind of independently Uh, but cyber is a major part of the organization. It's a very powerful supporting sponsor. It's uh, Basically, they ran this project for the past 18 months. So thank you very much


Hi, welcome to the Prosperity Alchemist channel. I'm David Wong and in this video, we're going to share with you how to gain life force, how to be one with the force. That's right. We're going to show you the secrets of how to do that and specifically how to transmute your internal life force into external life force. So if you look at my prosperity pyramid, you see at the bottom we have life force. And then it's the life force is the fuel that helps you to run the engine, which is your mind and body and your spirit. So when you connect your mind and body and your spirit, you start to develop an engine that's able to move you with your vehicle with your success skills to their destination, which is prosperity, but it all starts with life force. So in this video, in this lesson, we're going to go deep dive into how to develop life force and how to turn it into an engine. And we do that by transforming internal life force into external life force. So that's how we convert fuel into motion, just like what an engine does. That's how we're going to do it. In the same way, we're going to transform your life force, which is the fuel, turn it into kinetic energy, which is the engine of your mind and body. So we're going to learn how to create this flow of energy, the flow of energy of internal into external. Another very important thing that you'll learn is how to develop momentum, because without momentum, then it will be very difficult for you to keep the motion and keep the kinetic energy in your life.  If you've experienced that, then you probably know exactly what I'm talking about. So what do you need? You need momentum so that you have enough momentum, like you're going skiing downhill. It's very hard to stop, because once you have momentum, like a snowball, it builds in momentum, right? It gets bigger and bigger, and it gets faster and faster and harder to stop.  So how do you develop that momentum? Well, we're going to talk about two forces. We have the positive forces and the negative forces. How can you build positive forces faster and bigger than your negative forces? Because if you have two forces going against each other, unless one is stronger than the other consistently, it's never going to move. Sometimes to move backwards if the negative is stronger. So let's identify what are some of those positive energies and some of those negative energies that can manipulate the fuel and how much life force you have and how much momentum you'll be able to generate in your life. So what are some things that cause positive internal energy? Let's talk about some of them. How about creativity, dreams, focus, curiosity, habits and rituals, fire, fuel, motivation, inspiration, passion, attraction. There's also integration of your whole self, emotional energy, positive emotions. Those are the internal things that will give you positive energy. There's also negative internal energy. For example, procrastination, fear, failure, fear of success even. There's people who are afraid of success. There are setbacks, those are external, self-doubt, and that's internal depression, anxiety. Those are some emotions that you may feel that are the opposite of having positive internal energy. So what's more important, internal or external? Well, do you know a lot of people that look good and they look strong but internally they may not be happy? Maybe even depressed. Or do you know people who are even physically disabled? They're handicapped, maybe they're missing a leg. But they're very happy and they're very fulfilled. So what is the difference? Isn't the difference is the life force that they have on the inside? So the key to transforming your internal energy into external energy is just to have enough of it. Because if you have enough strong emotions and internal energy, you can't help it but be able to express it externally. The same goes for negative or positive. If you have a lot of depression and anxiety, maybe you have a lot of self-doubt, lack of energy, and fear, then it's going to express itself in your life. It's going to funnel and have abdominal effect up the ladder and you'll never be able to achieve the success and the health and the prosperity that you want. You'll need to be able to focus on how you can gain that life force, how you can gain positive life by replacing and reprogramming your mind, your body, and your spirit. So how do you do that? How do you change that programming? One step you can do is through meditation because we're talking about internal. How do you change the way you think? How do you change the way that you feel? Well, guess what? It goes the other way, too. If you do what's external, it also affects what's internal. So it's like engine, once again. You have internal on one side, you have external on the other side. So if you're having a hard time to get positive feelings and to get positive life force, then why don't you do things on the outside that will cultivate those things? And what are those? You can start to exercise. You can start to laugh. You can start to smile. Think about it. It's been scientifically proven that if you just do the physical act of smiling, even if you don't feel like it, you will create chemicals in your body that make you feel happy. Same thing with exercise. Same thing with laughing. Start doing things externally that make you feel good. Even if you don't feel like it, just pretend. Just act. Just pretend you're happy. Just pretend you're laughing. Just do the physical movement of standing up straight, lifting up your chin. Start saying to yourself positive things like I am happy. I am healthy. I am successful. I am prosperous. And just by saying those things, you increase your vibration. You increase your frequency of your whole body and your mind. So now you create this engine and now you feel good. And when you feel good internally, now you start wanting to do things externally that make you feel even better. So that's the secret is to generate momentum in your life. The secret, the failure and the mistakes of that process is to allow fear and allow doubt and allow depression and anxiety and allow those internal things to be stronger and to focus on them too much and give it power because whatever you focus on, whatever you put your awareness to, that's what's going to give power. That's what you're going to feed.  Stop feeding those negative emotions. Stop feeding those negative thoughts. Start taking action. That's the one main step that keeps people at level two. Level two, mind and body is healthy. But if you don't take action, you're never going to get to level three, which is success. I hope that helps you out. And like I said, come to my webinar. I'm going to show you some technology that I can use that will automatically help you to internally get you those positive emotions, get your mind to vibrate at the frequencies that causes you to just gain life force automatically. It's lazy way, but it works. And today we have so much technology that goes against us that causes depression, causes anxiety to the proven that these electronics are causing a lot of depression and anxiety in a lot of the young kids or even adults. And in order to counteract that, we need some kind of technology that will help us to counteract those negative effects. We're going to show you exactly how those things work and how you can use them. There's even things I can do without technology, like meditation, breathing, and like affirmations that I talked about. I think we need technological boots. There's all that stuff out there, but people are still having a hard time to get that momentum. So I hope you enjoyed this lesson about converting your internal life force into external life force and how to transform your internal energy into external energy and how to use your external actions to create internal energy and also how to avoid being taken over and being affected by negative energy and negative momentum. So I hope you enjoyed this lesson. I'm going to be sharing more in the next lesson. So make sure you subscribe to this channel and you click the notification bell so that you can get all of the latest lessons coming out. And you won't miss a single one. And make sure you share and like. And we'll see you in the next lesson.


Every time we do this it grows. We've had a very good turnout today and you know I had teachers contact me the last time and they was like you know it mean it meant a lot to us that while we were there you know it was very chilly back here and we stood out just to show our support for them and that meant a lot to them and I figured if they can go down there and spend hours down there and hours traveling then we can do this.


I'm Dave Vellante of Wikibon.org and this is SiliconANGLE.tv's continuous coverage of Sapphire. We're here in Orlando. Day two, we'll be here tomorrow. This is our third year here, John, and I think we're really getting a good sense of the transformation of SAP, some bold moves by the co-CEOs, the big executives, and their chairman, Hassell Plot, and are really doubling down on new technologies in memory, mobile, social, the cloud. Yeah, Dave, you know, people are trying to figure out what's going on in technology, and you know, whether you're out there gaming and or, you know, looking at Facebook's IPO, which is happening this Thursday at a $96 billion valuation, Mark Zuckerberg's getting worth billions, new billion millionaires being minted all over the place. You look at Twitter and the rise of Twitter, the rise of Xbox and gaming, a new world has arrived, and the consumer market has changed all that. And so we're here on the ground with the Cube, our flagship telecast, Dave, to talk to me. This is our third year, and we're seeing the megatrends, the ones that are going to change work and play. So what's interesting to me here about SAP Sapphire is we kind of tease about this last year is that business is becoming consumer-like. So things we see, trends we see in gaming, multiplayer gaming, trends we see in how people use smartphones for play and for work, trends we see in Twitter are coming on to the enterprise, specifically the role of Apple Computer. Apple Computer has shown the way for companies that they can actually operate a business that way. And you're seeing companies that were once, you know, monolithic, you know, closed doors inside the company, clothes are now opening up, going directly to the consumers. So this is all changing with the power of cloud computing, big data, mobility. And really, we're unpacking that data. So to me, I think that's the aha moment here, is that it's all happening with companies like SAP, EMC, VMware.  You know, and we had Reggie Jackson on earlier, and I was actually struck by his comments. He was here representing Callaway, and he was talking to Bill McDermott about SAP and what it stands for, and the P, he kept coming back to people. And you're hearing a lot about people, a lot about personalization. But did you know the hip thing? You know what I was talking about, the hip move? No, I didn't. Tell me that. So we had to hit Reggie Jackson. So one person asked him about the hip move. When he, so in Game 4, no, in Game 4 of the World Series in 1978 against the Dodgers, man on first and second, Reggie was on first, Lou Pinello was on second. No, Thurman Muntz was on second. Lou Pinello was up and hit a ground, line drive, ground ball. Reggie Jackson had to stop in between first and second, because the ball was going to be caught, and he went on display, and it wasn't caught. And so the guy stepped on second. Shorestop went to second, and he went to the double play with Lou Pinello. Easy double play. Reggie, allegedly claimed, turned his hip into the ball, and it hit him. The ball squibbed into left field, and Lou Pinello not only made first, but the second, Thurman Muntz, and scored. They went on winning the game. Now I do remember that play, and I thought he did it on purpose, but he said he didn't do it on purpose. You remember the Red Sox when Alice Rodriguez did the elbow? Well, yeah, he slapped the ball out of the, that was definitely on purpose. I didn't put it together. Now I remember it, I had to look it up on Wikipedia. But when you think about it, did you see his reaction, Reggie Jackson's reaction? Yeah, he was, wait a minute, I want to talk about that. Obviously, he's had been addressed, hit, he was charged up. Yeah, that was a good segment, and I said a lot of people didn't know he was a great football player, and he basically, I think actually a humble way, but it was genuine, said he could have been a very successful professional football player, and had a great career. But he chose to go to baseball for economic reasons. He needed the money. Dave, I want to ask you kind of an analyst question, because you are covering the big trends. What do you think, and what do you see, and what would you share with the folks out there that are younger, that are in the industry, who are trying, who haven't been through all the experience that we've been through, and the cycles of innovation that we've been through. How do you explain what's going on in today's world to someone who's under the age of between 15 and 30, about what's happening in this culture right now, relative to technology? How would you explain to that person? Well, specifically as it relates to our world, this enterprise, I think that computers used to be something that were used in the back offices for just accounting, and the young people of this world, the gamers, the people who are using devices and iPads, are actually dramatically changing our business. It's amazing, right? It used to be technology value would trickle down into the smaller devices. It's absolutely the reverse now.  Technology is everywhere. It's ubiquitous. It's an embedded part of our lives. You can't do anything without touching technology. And I think that for the young people out there that are looking to participate in that, there's just so many opportunities now. We keep talking about gaming. My eight-year-old wants to be a gamer. He wants to write programs for gaming. I'm really encouraging to go on places like Justin TV. I don't mind when he's playing these video games, because I think he's learning. And I think you've got to dive in. Start building apps, and start learning how to code. Learn HTML5. I mean, I think that's where it's at. You can do great. Check out the lifestyle. I mean, don't you think, we've been talking about this all the time in theCUBE, and the reason why we do this show theCUBE, which you're watching here, folks, is that we want to go to where the stories are. And we want to talk to the people who are making the big trends happen. The mega trends. We go out and cover SAP for three days for 8 hours a day, because we can. And I think what's important is, is that as technology changes, it's a culture. Reggie Jackson here, a baseball hall of famer in his 60s, talking about, I'm going to get on Twitter. I already got my account from Jack Dorsey. It's exciting. You have celebrities in LA, movie stars, all have Twitter accounts. You have all the athletes. You have social media, businesses are the last adopters of this trend.  But this is the future that Schnabe is talking about. The CEO of SAP is talking about an intelligent network. Certainly from a business perspective, they have to talk about that, Dave. But really, what he's talking about and what Bill McDermott and Schnabe and their team are talking about is, building the architecture to consumerize everything in business so that work and play, there is no distinction. Well, I want to get your opinion on that. Well, I think that, I think that- Do you agree? I mean, do you- I think that, I think directionally, what it, what it says to me and underscores that with the ubiquity of these devices, I think we're going to essentially, I'll call it virtualized supply chains. So SAP's got all this, it's touching so many different companies and so many different parts of the company. But they're largely independent and mobile and cloud are going to allow us, and big data and analytics are going to allow us to bring all these components together, these supply chains, and create value that we haven't seen before. I mean, I think it's billions and trillions are going to be made in this next wave, literally. Yeah, good things happen. Facebook, and LinkedIn, Twitter, and LinkedIn, these are in fact just our advice here today, that that's in memory applications. Well, you think about just the concept of spinning a electromechanical disk. It's kind of absurd when you think about the world that we live in. I mean, I will not ever have a spinning disk in my laptop again. Shortly, you won't, because there's no point in it, right? The economics are at the point where, can you imagine having a spinning disk in your iPod? You wouldn't anymore, so unless you're Dave Butler. What do you think about Facebook IPo? The big news is that outside of the United States, the ginormous Facebook IPo is happening. If you're sitting under a rocker playing too much Xbox and video games, you might not know, but Facebook's going to find a player. And there's a couple of golfing on Facebook. I'm very excited about it, John. I mean, I've said that I think it's going to be the third big wave of IPOs. The first being Netscape, the second being Google, and now Facebook. And I think it's going to lift all ships. And I think it's going to check off. I think we are on the verge of a tech boom. We're certainly in a bubble, as you know. You live in California and Palo Alto, the heart of the bubble land. And as you've said many times, it's different this time around. There's actually real business being done. That's the big question I have for Facebook. I mean, I think that I'm excited about it. I think it's going to do very well. I think it will sustain for a long period of time, or at least a reasonable period of time. The big question is, can it generate the cash of a Google? Because Netscape couldn't. We all know what happened to Netscape. But I think that Facebook has the potential to do that. So I'm excited, I think certainly through the end of 2012, it's going to be a big boost for tech and a big boost for tech stocks. I mean, I would be, there's obviously concerns about Europe. But I think that in general, this market wants to go up in the near to mid term. Okay, well you're watching SiliconANGLE.com, SiliconANGLE.tv. Do you want information around what's going on in tech business? In one of them, what's going on in this enterprise area and cloud, mobile or social, the hottest innovation areas in technology. You have to go to SiliconANGLE.com. If you want to get instant tech news, go to the other sites, the TechCrunch, Venture, Big O, all things deep. They have all the news, that's great. When you want to find out what it means, come to SiliconANGLE.com. And certainly if you want to dive into the research, go to wikibon.org. Wikibon.org. It's all free, we published our content for free. All this video's free, we get underwriting for things like this. And SAP and EMC helped us get here. I just want to thank them for that. But we're always custom-covering the next wave of innovation. And I was just showing some of the SAP folks are doing analytics package. And we have a program that uses predictive analytics to predict trends in the tech business, and that allows us to be first and always accurate in our trend predictions. So if you follow SiliconANGLE.com and wikibon.org, you will find out that you will be the most informed and ahead of the curve on key trends. And that's what our promise is to you. And we'll report on all the top stories and we'll make the Q and we'll go where the stories are. If they can't come to us and we can't find them, we'll go where all the actions and all starts at SiliconANGLE.com and our support for tech innovation and we'll hand them to the world that's wikibon.org. Can you talk about what's happening at Wikibon.com? Yeah, we're very proud of the fact that everything we do is made available to our audience for free. You don't have to sign up, but if you do, you get some added benefits. But no need to do that. If you want to publish, you actually have to sign up because we were getting so much spam, John. We had to actually put that filter up. But otherwise, everything's free on the site. And our goal is to help people learn from their peers and facilitate interactions. And that's what we've done here. And as you know, we've had a great partnership. Well, we're in our third season here at Sapphire, our third event. Really, we're operational now for two full years in the queue. We've interviewed over 600 guests in two years, CEOs, entrepreneurs, top leaders, celebrities, baseball stars. We want to extract the signal from the noise. My name's John Furrier. I'm the founder of SiliconANGLE and I'm with Dave Vellante. And we're excited to bring you all the action. Now, we're going to take a quick break and be right back with our next guest and talk more about tech and what's happening at Sapphire. We're only waiting for hospital partner and Jim's job and CEO of SAP. We'll be honest with you.