David, first of all, how does it feel to be in this position again? Very proud. Again I don't want to repeat myself from 18 months ago but I'm a very proud man to be asked by the board and the chairman and the owner to take the team. Mae'n gweld, mae'n gweithio, mae'n gweithio, fel pawb wedi bod ni dywedau i ôl i'i amferio'r ystyried o'r hanfer. C*** bwysig, gan gychydig, yn gallu i brifoedd i'r van i'r ystyried o'r hanferio. Mae'r gweithio, efallai efallai ei bod wedi bod ni. Mae'n gweithio'r gweithio, mae'n gweithio yw'r bod ni. Mae'r gwybodaeth yma yn symud ym mhobl. Mae'n fyw iddyn nhw'n i'ch gael y gweithio, a'u eifyd i'ch gael ei ddeudio. Mae'n gweithio ond mae'n gweithio. Mae'n gweithio i ddod i fynd i mi fydd. Oferol, gydwch chi'n gweithio i'r dyfodol a dda'r ddau? A bod yna'n fawr yn iawn i'n gael bwysig. Oherwydd yw'r fawr yn iawn i'w gael. Mae'r ystyried i gael ymlaen i'w ymwneud newydd am ddeithas gwaith a awdurdodol. Mae hi'n fawr yn y pysylltu'n gweithio. Ond yn gwaith yn fawr gwbl, mae'n fawr yn fawr i gael gwaith, mae hwnnw'n eFunadau Llywodraeth fydd yn dyl �ffredig. Rhaid i'r cyfnod i'r cyfnod i'r cyfnod i wneud o'r pryddoedd yma yn y Manadiriawch, yw'r cyfnod? Rydyn ni'n gwneud yn ystafell y dyfodol, o'ch cyfnod i'r cyfnod i'r rhai ar y peth? Yn mynd i'n rhaid i'n ffyrdd. Llywodraeth wedi ffrwng i'r teimlo yn ysgolwyd. 여러분, we spoke everything Evernton from how many games to individual players to plans short-term, long-term, we spoke about everything. My terrified with the chairman but it's not a difficult decision at all to stand as Evern manager if you're in Evertonian and makes you very proud. So take it then, you still want this job full-time with regard to that what has the chairman said to you? Ie ddweud i mi rxivog, a wnaeth eich lleol am AM HATH-ÂTH 18-e. Fy llunio nhw'n hynny'n hyn ar y byd. Roedd y bydd ymlaen mewn ffordd o fawr a ddweud fel y ffans. Mae'r gweithio'r hoffa o'r ysgol yw'r heif er mwyn. Mae ni mwyn ffwrdd arall. Y bwrdd yn y ffwrdd yn ei ddweud hynny. Mae'r ffairhad yn y ffordd yn y ffordd. Mae'r bobl yn ffordd yn y ffordd gyda'r unig mewn hyd yn gobeithio'n meddwl i'r gweithio. Cyfnodol gweld a dywi'n syniad y byddiau iawn. a dyma'r hyn syniad, cyfnodol yn adeiladau. O fod mae'n gwneud efallai asaith yn ysgrifennu'r ysgol. Rydyn ni'n sesio'n cael ei latern am fyddion hyn ei wneud ei wneud ystod i'ch bwysig i'n bwysig hofnig! Dwi'n gweithio peth sydd gennym amddangos yn ôl, Ond yn fawr, yn cymaint, y clywed i'r cymorth, ac rydyn ni'n amser o'r hunain. Rwy'n gael a'r rhan o'r ymlaen. Ond rydyn ni'n gael, rydyn ni'n gael ein gweld, mae'r ymlaen i'r ymlaen. mae'r ymlaen i'n gael. Rydyn ni'n gael i'r ymlaen i'r ymlaen, wedi'n cael eu gweld i'r ymlaen i ddechrau, Dyna'r gwasanaeth ymwneud gyda'r gweithio cyflwyno'r blaenau ac mae'n gobeithio gweithio'r gweithio'r trofi. Yn cael ei ffordd roedd y gallw'r lleif yn dangos iawn gyda'r gweithio'r cyflwyno'r blaenau, sy'n ymwneud o'r ffordd o'r bloedd. Dyna'r gweithio'n gweithio'n gobl amser, oherwydd. Rwy'n meddwl, rydyn ni'n ddweud hynny. Ysgol yn gweithio, mae'n gweithio'r gwaith. Rwy'n meddwl, yn ffrifatwyr, ystod y ffyrdd yn ffyrdd. Mae'r ffrifatwyr yn mynd yn ffyrdd. A bod yn fyddwyr ar y cyfraffol yn ffrifatwyr. Yn gwybod ymddor i'r gwaith ym oed, gwrs, ydych chi'n fyddo'r hynny'n meddwl? Mae'r gwaith i'r cyfraffol yn ffyrdd. Mae'n gwaith i'r gwybod, a yn fyw i'r gwaith i'r gwaith i gyd. I did, I don't really want to divulge what I said because that's between myself and the players. We went out this morning at 11 o'clock and we had a great session. The spirit was great within 5-10 minutes of the ball rolling. The players were fine, they were buzzing and I felt it was a really good session, very similar to last time when we took the team, the players reacted straight away. We've done a little bit of work this morning for the game tomorrow. a we'll travel down to London this afternoon. So, yeah, I felt it went really well this morning. I've obviously seen you a number of times at goodness and park, you've seen the home fixtures at the very least. What do you feel then has been the root of the problem this season? Well, we'll all have our opinions and we'll all look at individuals or formations. The bottom line is we haven't won enough games. Performances have been okay for spells. I don't think there's been a lack of effort. I think the commitment to the cause has been there. We just haven't won enough games and it's very, very simple. It's a collective thing. I hear a lot of people talking about a lot of different things about what the problem is. The problem is the team hasn't won enough games and we have to burn the responsibility together, not down to individuals leaving, individuals not coming in. It's a team game and we burden that together. Obviously, a lot of people point to a number of players coming in this summer, not necessarily hitting the ground running and you see the likes of Sigerson, Class and Ramirez's names that I mentioned. Why do you think it hasn't quite happened for that group of players who have come in this summer? I think it's always difficult when new players come into a team that's struggling. Now, the team hasn't been playing particularly well and we haven't won enough games as this club would expect. For any new player, that's always tough. A new player would obviously ideally want to come into a team and a squad that is performing and winning games because it's a lot easier and your confidence is high. I think confidence looks low on certain individuals but like I said, I don't want to pinpoint any individuals. I don't want to pick anybody out to say, well, you're not playing well or he's not playing well. It's a team thing and as a team we haven't performed as well as we should do and not won enough games. How long then, given that you spoke to the chairman yesterday, you had to really formulate any kind of game plan for this game against Chelsea? Well, from that last night, I got the staffing and we started talking about it yesterday afternoon, yesterday evening and we were in early this morning and put something together and we've spent an hour and a half on the pitch this morning as well. We'll continue to talk this afternoon and while we're in London tomorrow but I've got a good idea of the team and how I want to play and the way the Evans fans will respond to the way we want to play. You're not getting much time between games either when you think about it, are you? Obviously Leicester at the weekend and then it's Lyon again, Europe League, Watford then and it's an international break? No, I think that has to be said but what time we do have to have is we have to have quality time, we have to be fully prepared we probably have to work a lot harder as a staff off the pitch now because of the fact that the games are coming thick and fast we haven't got as much time on the training ground as we would want but the players will take on all the information we give them and we have to try and keep it as simplistic as we can in between games because they are coming thick and fast. Have you been given a set number of games as you understand? I haven't, the chairman just asked me to take it he's going to talk to me every day, every week we'll discuss it all the time there's been no points total or number of matches I've just been honoured to ask to take the team so hopefully there's a run of games hopefully there's a run of games and like I said results and performances will probably dictate that if you look at the competition that you face for this role certainly the names that are being mentioned in the bookies odds at the moment what do you make of the competition that you're facing and does the club need a change of direction in so much as the last two times they've gone down the foreign manager route is it time to go back to a British manager? The club needs a winning manager that's very simple yes there's some very good foreign coaches in the Premier League a lot of very good British coaches, British managers around as well so whoever gets the honour of having this role has to win so we want a winning manager and we want a manager who knows the club and more importantly we'll win for this club and win trophies because that's what we need Just to check who's working with you, John April and Joe Royal? Yes John, Joe will probably join us as well Duncan is with us I managed to bring in Alan Kelly, a goalkeeping coach last night he did great and he got the last flight over from Ireland and I interrupted a family holiday so I apologise to his family but he's with us this morning so I'll know Alan from my Preston days and he's a great goalkeeping coach so Alan's joined us as well On the under 23s tonight? Well I'm not taking that Frani Jeffers is taking that tonight so he's been working with us all season Frani will take that along with a couple of other coaches as well from the academy In terms of the players you've got available obviously Gay suspended from the weekend but Schneidlin injured still, McCarthy a possibility? No James and Morgan both trained this morning and they're both available to play Ross Barkley, what does the changing manager do for his future and where's he at in his battle to regain fitness? Well I spoke to him this morning, spoke to him yesterday so I'm in the gym he was working really hard he's coming along nicely from my opinion of Ross's I would love him to stay I would absolutely love him to stay he's a top talent Everton has done great for him he's done great for Everton but he could be one of the all-time greats here and I would love him to be persuaded by myself, by the chairman by Fahad to stay and sign a contract because we shouldn't be losing the players of his quality he's a top player he's come through our ranks as well I feel very strongly that we should be losing our wrong players Do you get the impression then that he's more open to staying than he was last season? I've not spoken to him about that since I spoke to the chairman yesterday I will be doing it I'll be sitting down with him I'd love him to sit down and have a cup of tea with me and discuss the possibility of signing and staying here because we love him and I know he loves Everton as well so I want everybody to come together and hopefully we can thrash something out with Ross Hi David, Olly Foster from BBC News you said the lads were buzzing and within five minutes they were getting back in the swing of things what has the atmosphere been like around the place when things just haven't been working in the last couple of weeks and months? I couldn't tell you because we were separated from the first team we trained on a different page and they have a separate building now so I couldn't actually tell you quite honestly how the mood has been day to day what I've seen from my own eyes is performances that have been okay we haven't been winning enough but I couldn't actually honestly tell you what it's been like because the first team are on the other side of the building You talked about the performances and you think the commitment has been there as well but obviously it's a question of results do you feel that with those new recruits or £140 million worth over the summer it might have clicked giving another bit more time for Ronan? I'm sure Ronan will tell you that he thoroughly believed that and who knows just because you spend money doesn't give you any desire any desired right to win a football match you've got to win it in the Premier League and you've got to win it by sometimes not playing nice football or not you've got a battle to win every single point in the Premier League so just because you spend an amount of money doesn't give you any guarantees that you're going to play winning football but the demands of this club determine that you have to so even though you spend the money you've got no right to win any game but what we've got to do is get back to winning ways so whatever team we put out be it the big money signs we've got to come together as a team and we've got to start winning some games Are you excited with that group of players when you look at them on paper working with them do you think they've got what it takes to get your heads back above water? Well I certainly enjoyed working with them this morning they were very receptive to what we were doing the quality was there the atmosphere was there that we would want so the first impressions of a new squad certainly there's different plays here when our last took over first impressions were really good this morning A lot of criticism has been in the spending that Romelu wasn't replaced like for like Do you see that's going to be a problem with where your goals are going to come from? I'll go back to the point I made earlier about the team the team has got a chip in with the goals we've got to play in a way that we create more opportunities to give certainly the strikers that I've seen been playing the opportunities to score so the way I want to play I certainly want to create more opportunities than we have been doing and it's not just the strikers responsibilities it's the team's responsibility to get the goals we must emphasise we need to create more A few former players have come in people have worked with Ronald and said he was essentially a fair weather manager and when times get tough he didn't have that ability to pick players up and put a smile back on faces I mean you've come across as an incredibly positive guide you think that's going to be part of your role in these early stages of however long it's managerial stint First of all I think that's a little bit unfair on Ronald Ronald has been a world class footballer and he's a very experienced manager in his achieved levels of success in his managerial career I can only be what I am I will certainly take on what I do with the under 23s into the first team environment because I don't want to be anything that I'm not I've got to give myself the best opportunity to help the players to win a game of football so I certainly won't change my values and what I believe is right when I'm setting up a football team and I'll take on board what I do day in day out with the under 23s into the first team environment Sorry just one more When Farhad gave Ronald the job what was it 16 months ago it kind of inferred that it was because he wanted a star on the touchline somebody of the ilk of a marino a pet just to have that kind of standing to lead this club forward How do you sell yourself because you're not that kind of manager yet are you on the world stage? No my profile is from a managerial point of view is not but you need to win and Farhad, the chairman the board they want to win in manager so I could be anybody if you win you keep job so I certainly want to try and perform and win and help the players to get to the position where we can start winning games again Thank you David I just wanted what do you think you can do with these players that Ronald couldn't do? Well I have a set of values a way of playing that like I just said I want to take into the first team environment I'll keep those to myself and to the players if you don't mind because I think that's the right thing to do Sometimes a change of manager gives a squad a lift gives a set of players a lift sometimes it doesn't but I won't change what I believe in I believe the game should be played in a certain way I believe the Evertonians want to play in a certain way I know that, I've been there, I've done it and I need to use that experience as a player here the expectation level the way an Evertonian wants to see his team playing I'm certainly going to pass all that experience on to the players in the right way Is that going to involve big changes immediately then and are you able to do that if that's the case? Big changes no maybe tweaks here and there and like I said I need to try and spend as much time as I can with the players on the training ground or in meetings just getting my point across and hopefully they take on board that information and produce it in games Okay guys if we can just end the TVs there please thank you


An advocacy group United Nations Positive Livelyhood and Award Centre has urged Nigerians to shun violence and promote peace for the benefit of humanity. The group gave this advice on the sidelines of this year's United Nations Day for Peace with the theme, actions for peace are ambition for the global goals which held in Lagos. Our correspondent Paul George reports. Gathered in this hall are men and women from all walks of life. They are here to promote and induct volunteers while urging Nigerians to embrace peace. In a speech, the Director-General and Chairman, Board of Trustees of UN Polak, Professor Helo Eton, reminded all that the world is in a critical time and everyone must contribute their quota to build the society. Polak, Trishis Street, profound no-gang and social changes make this area of peace a better. Now, let's give it a join. Once said, we can best pay our own debts to the past by building a better future for a new direction. The keynote speaker, Peter Awagua, challenged members to have good relationships with others in order to achieve the set goals. Meanwhile, Lagos Director of UN Polak, Dr. Nzeribi Okegwe, hinted that the organization is a non-governmental organization informing the volunteers that it's not a place to make money. UN Polak action continues to select from professional brothers. Edits in Nigeria trend them as peace builders and conformity with UNESCO, General Assembly, resolution, declaration. It is absolutely important to reject, well, with your neighbors, police men, polo country men, and women in order to achieve food ambition of no-gang. The problem is out there and we know there is this problem. As we expand on this and people will get to know that, yes, there is a lot of work to be done and that is simply the way to do it collectively and individually. One of the newly appointed inductees, a crime and investigative journalist, Mary Fatile, expressed joy for the recognition and award received from the organization as an international peace advocate for UN Polak. To journalists generally is for us to be upright in our work. Most people are not even being paid, but it is not enough for us to sell out our conscience or feel because we have the pain we can bring people down. When we see the truth, we should say the way it is. Thanks to already Nigeria for giving me that opportunity to exhibit my talent, push out enemies. I want to work with the immigration very well, to see that those who trafficked our children have been arrested. To attain global peace, the awardees and the inductees believe all hands must be on deck to achieve a better future. Paul George plus TV News. Hello, hope you enjoyed the news. Please do subscribe to our YouTube channel and don't forget to hit the notification button so you get notified about fresh news updates.


Hi everybody it's Sam at Mixed Up Craft. Thank you for watching my tutorial today. I'm going to be showing you how to make this swing fold card. This was one that I actually made during my Facebook Live and I've been saying that every time I do the Facebook Live I will also do a video on YouTube so that people who don't have Facebook you get to see you know what I've made really. So this is just a really fun card, very very easy to make but it's got a great profile and I think yeah I think they've turned out lovely. So these the idea for this came from a pittress saw on Pinterest by The Craft Spa. So I will link the picture in my blog and I'll share any information in the description box of this video but they're just so just such a clever way. Just a simple way of folding the card but it just gives you a really cool effect. So this is the other one that I've done which I love it's so bright and happy and I've used all of this is using supplies from the Kit 6 or Box 6 from the Papercraft Society. So again I'll show you that in a moment but even this here and I coloured these stamped and coloured in the images so this is all stamped images and this is all die cut and I'm going to be doing this one similar in pink today. So in the kit you get the yellow purple and pink so I thought I might as well do you know one in the pink to show all three of them but again I've used Nuvo Drops here. I did add more after I've done the life and I've got two different coloured pinks there as well and then inside I've just continued the flower there. So I have got dimension on mine because of what I've used but this would fit perfectly into my 6x6 envelope boxes which I'll link up here but I guess if you keep yours quite flat then you could fit that in a standard 6x6 envelope so this is what I'm going to show you how to make. Okay so this is the Box 6 I think Box 7 should be dropping through people's doors any day now if not already has and this was by Card Making Magic by Christina Griffiths and you can see the colours that are throughout this box it's always shown on the envelope itself so I'll just give you a quick flick through so you can see what I've used. So for today's card I'm going for this paper so anybody who's got this kit this is what we're going to be using and then also the card stock I've gone for the pink so you have polka dot on one side and then you have that colour on the other and on those two you can see there's the yellow with the polka dot and then there's the yellow plain and then there is the purple and then I think I used the polka dot I must eat oh yeah on the flowers there as well so you get a lot of card stock lots of papers in this so it's great for making lots of cards and then the dies for the flowers are these ones here so I've used this one and this one for the larger flower and then I die cut two of the larger one of that one and I've also cut this one no it was this one here which I'm just using to decorate the inside and then the leaves after I cut both of those in a green colour. I also used the yellow ribbon here just for the bow on that one there and you get all these flatback pearls which I've used on all of those flowers on the purple one but on today's I've actually used my white blizzard glitter nouveau glitter there and you can see it's still drying but once that dries clear it'll be really really glittery in the centre so just try to do different things throughout and then you've got your stamps there as well which is what I used for the other cards and there's that bars and everything so it's all you know really nice and matches. The toppers for this one are from the topper sheets so I've just pulled out the thank you which was here and then you also get these background ones so I've just set it on the circle there and on the purple one you can see the Easter blessings against the oval and I've just put foam just to give it some dimension there as well so that's what I've used from the kit but you can easily make this with any supplies that you have go through the measurements of this in a moment when we get to it pop all of these bits to one side. Okay so you need to do a bit of scoring so what I've actually done for today's is this was a piece of 12 by 12 and I've just cut it in half so I've got two pieces of 12 by 6 and then for this one along the 12 inch side I've scored at six inches to give me my card blank so that's my six by six card blank and then this piece here along the 12 inch side you want to score at three six and nine. Now if you don't have 12 by 12 card stock and you don't have six by six card blanks you can use the shop brought six by six which aren't really six by six they're more like five or three quarters by five and seven eighths that's the size I did actually use in the Facebook live so I will leave a link to that video so if again you may have Facebook you might not follow me over there you can go to that one because I show you these are all made from that slightly smaller six by six size okay but for this one I'm going to stick with the 12 by 12 so you just scored at three six and nine and then along the six inch side you just want to score a five eighths of an inch but just to the first score line and then at five and three eighths again just to the first score line and basically these pieces here will hide behind my frame okay so that's all of the scoring that you need next we want to do a little bit of die cutting so I've got my card blank here I'm going to open it up and I've got my stitched square dies and I'll tell you the sizes that I'm going to use but I've taken the two largest and it's actually the second largest that I'm going to use to create the aperture so you want to be make sure you die cut on the right hand side because this is going to be the front of the card so it's that this one here that we want to use so I'm just going to grab some of my washi tape and this one here is four and one eighths of an inch squared okay just double check that but I'm sure that was what the measurements were on the live yeah four and one eighth so you want something around that size if you go too big then the measurement that I gave you here you know you this may you may see it in your frame which will make sense when we get to it so you want to try and stick to you know four and one eighth of an inch four inches or maybe three and seven eighths three and three quarters would still work but if you go bigger then you will have to change maybe that measurement there that I've given you so I just want to lay this down okay so I'm kind of happy with that and then I'm going to pop my washi tape down so that it sticks in this middle bit we will reuse these but if you have got a you know a tape even some of the low-tech tapes I find can still rip your card stock but if you do it in this section at least it's not going to damage this and you can always just cut that again so I'm going to run that through my machine and what I would say especially if you're working with a white card stock is just put a sheet of copy paper over the top and I'm only running through this half not running everything or you know the whole rest of the card through it just will reduce the chances of you marking your card so just get that through and then I'll leave it there and then I can just pull it through there so nothing's damaged and you shouldn't have any marks on your card okay I need to do a little bit of die cutting again in a second now we've got our main window and then this piece here I can just carefully and I've got this piece here which is five and three-quarters squared and that's going to sit over the top it's then using my larger of those two and this one here I think was four and a half by four and a half yeah and I'm now I don't need this one I just need to you know use this piece for the minute reuse the washi tote and again you just want to make sure you get a nice even frame around all four sides there that looks about right again you'll use this color card in the center as well the square so I'm just going to add that there and then get that one died up okay so this one now we can stick over here so it is just a decorative piece but I do think you know it does help with the whole of the design but you also got polka dot on this side so I'm actually thinking I quite like yeah I'm going to go for the polka dot so I'm just going to flip that one over but you could also stamp around your frame which I mentioned in the live so you know there's lots of ways to do this if you don't want to have this frame like I've done so I'm just adding my glue all around the frame so now we want to go back to this piece here and you want to fold it so that you have a mountain a mountain and then a valley okay so see there that's the shape that you want and you will have these sections here where you scored you want that to be on the left hand side so I'm just going to burnish those because you do want to make sure they're well creased and then this end part here where you've done the score lines just cut those score lines away up to the first score line okay and then you want to remove that whole middle section so I'm just going to come in with these scissors here and again I'm just removing the score line there just to keep everything nice and neat so that is now what you should have what's then going to happen is these two sections here we're going to pop glue on and you're going to stick them inside your card here and this is why you need them to be hidden behind that frame so if your window here your you know your your aperture is larger than mine these could come into your frame like this so you just might need to trim a few bits or just change it a little bit so now I'm going to add glue to both of these pieces here and then you could fold the whole thing and just lay it inside this card like that right up to the score line and then fold this over and everything will be contained within that six by six card so I'm going to open it up just so I can actually you want it to be right up to the score line there okay so once you've got that all lined up because so it will all you know stay within that six by six card when you open it up this backside here you want to stick down here so I'm just going to add my glue just lay that down right up to the edge again they're both six inches in width so they should marry up perfectly and then you can just close that whole card down and it will all fold perfectly okay so now when we open it you can see we've got that design so now we need to just add our kind of I guess the swing element so with these two pieces here I'm going to have this color in here but obviously it's too big because I want to have I've got white pink white then pink and then white again so you can see here I've got white purple white purple white okay so what I want to do is cut this down and then I'll trim this down slightly so you do trim a little bit away but you know there's very little waste so you want it to be slightly smaller than this window because it does need to swing quite freely if you have it exactly the same size it may catch so the window here is four and one eighth so you could do four by four okay so again that's if you've done the same size as me so just bring it in by one eighth of an inch that will be enough so I'm basically just trimming off the stitch to the detail on this one so now that's four by four and you'll see it can sit in here with a tiny little frame but it will now open really nicely when we stick that down so this piece here I am going to cut two so that's four by four this is going to be three and three quarters squared so I'm going to add some glue to the back of this one pop it on some foam if you want quite a lot of dimension with my flowers and stuff so stick that in there so we've got a nice frame and then you want to add your glue into this section but don't go right up to the edges see where I'm coming in you know quite a bit there so just kind of just roughly in there make sure you get no glue on this section here you can add it to one side of that piece if you want but it's easy to control where you put your glue if you do it this way rather than putting it onto the backside of this and then you just want to sit this over just making sure you get a nice straight the like I said there's a very very small you see a very small white border you can see that border on this side here okay so now we can just decorate it so I've gone like I said I cut all these pieces here and those are nearly dry so I will be a little bit careful with them and I've also got these two pieces here which are going to go inside the card so maybe I'll do them first so these are both two and three quarters by five and three quarters and I'm going to have this one here so I can write my message and then I'm going to have this one here just as a nice decoration so you know there's lots of space on this card to be able to you know stamp and write your message so you may not want to do it here you might want to do more just decoration throughout again just bring in this one here so you can get some inspiration with the flower on that one and then this one I really love you know where I've put the little vase there and then I'm going to write my message on this side so you know like I said lots and lots of scope for this one so I'm going to pop that one in there and just stick this one down that's that done so now I'm going to stick this one down first in the center so I've already put my foam pads on the back of this one and I've also put foam in between this one on top as well so I'm going to put that one right in the center about there okay and then I'm going to pop these flowers quite close to the top I like them overlapping into the topper and I'm going to do this one and I'm pretty much going to copy how I've decorated this one here and a few little nouveau drops I'm going to use these ones here which are is it party pink I think it was no actually the other one no I want to use this one here which is a lot softer so this one here is bubblegum at blush and I think that will look quite nice with this one so I'm just going to use my hot glue here and first of all stick the flower down and then I can feed in the leaves around it so like I said I've got quite a lot of dimension on this so I can just pop this into my envelope box the leaves I've just kind of shaped them just a little bit like that you can just stress and do all that lot as well if you want but I'm not going to I'm going to keep this one quite um quite a clean looking card so I'm just cutting off the ends there and then just pop a little bit of glue and just start feeding those in there pop that one there the front done and then this one here I'm just going to have maybe they're just coming down there like so that will do and then I'm just going to finish off with a few nouveau drops with a few I always tend to go a bit mad always squeeze it first on a piece of scrap just so you don't get it um you know sometimes it will push out the air and it can ruin your project but I like to do just different sizes keep them quite close around the flowers up and you can see there's so much dimension the thing I like about this is even when you open it it stays flat so you can like decorate all in here even if that's all wet and still drying it's yeah it's quite a fun card so they're really easy to make as well this took no time at all so yeah I'm really pleased with these I think they are beautiful so I hope you've enjoyed this tutorial I hope those of you that watch the Facebook live um you know enjoy this video so now you've got this to go to because the Facebook lives are great but obviously they're much longer so I think I was on for maybe you know two and a half hours whereas when I do the YouTube videos I condense it right down into quick videos for you to use for reference and you can save these into playlists and all that kind of thing that I know you like to do so yeah thank you for watching as always please give me a thumbs up if you've enjoyed today's video and I'll be back again soon with another tutorial see you soon bye


That's what you want, because that, see, for me, that's what inflates home prices is Nick, uh, tell me, like, what, what exactly it is?  Are you also an agent? Yeah, I've been an agent for five and a half years, uh, two up here in North Carolina and then three down there in Florida. Um, but not nothing crazy. It's been like 12 to 20 per year. I'm not, I'm not in it. I'm not in it for the, the 40 or the 80, uh, yearly. So, uh, it's usually two, one to two a month and knock them out. So are you in it more so for the investing side? Is that what you're my, I'm so I oops, my way into real estate as an investor in the Navy, uh, buying a short sale. And I was like, wait a minute, the scales everywhere. And that's all, that's all I've done. So everything I've done has been live in flip.  So I, I, I wholesale all over the country, but I have the only things I've flipped have been houses I've lived in. Got you. Um, so whole selling and flipping. Cool. And you're in North Carolina. I'm in, uh, North Miami, I'm just south of you, um, but I'm in North Carolina. My wife and kids live up here. I make Miami money and we, we have a $1,100 mortgage up here in North Carolina. Life's good. Got you. And how, how long have you been selling? I know you're an agent by 10th year. Okay. Broker associate. Sweet, sweet. And what, what's your, you know, yearly volume? Uh, I think I did 14 million, uh, year before last or last year. And then, uh, you know, this year probably be eight to 10. Again, same kind of method. I'm, I'm pretty independent. I'll do two to three a month, um, you know, average 20, 25 a year. Um, and my, my broker is a hundred percent commission, uh, broker. So I've, you know, with $200 a month out of pocket to work for him. So sounds expensive, pretty profitable. Sounds expensive. I mean, if you do a hundred deals, that's 20 grand, right? No, I'm talking about $200 a month. That's it. You don't pay a transaction fee. Yeah. No transaction fee, no hidden fees, no costs up with EO insurance. I'm $2,700 a month out of pocket. I'm sorry. 20 has 2700 a year out of pocket to sell real estate. What kind of sexual favors or whatever did you do to get that deal? Um, well, I think the, uh, comment, the, the fifth probably be I did at that point, but, um, go ahead. Well, let, let's dive right in here. Um, I saw both of you in the comments of that post I did where I was like, let me talk to a homeowner that agrees with the verdict or whatever. Yeah. Um, and both of you seem pretty, pretty vocal about it. Um, Nick, I'll go back to you. What, what's your stance on the, you know, the current situation with the lawsuit? Yeah. Yeah. So with, with the lawsuit, like the, my, my argument is a legal argument that price fixing has been happening and price fixing doesn't have to be a, Hey, everybody is at whatever 1500 or 25, like price fixing can be a range. And the majority of transactions, like I would have to look it up. But the majority of transactions in the real estate world are in that two to 3% range for, for either side, right? So my argument is just that, Hey, if like, I shouldn't have people that have no clue about the industry coming up to me and saying, Hey, are you going to charge me five or 6% to list my house? Yeah. Right. So that, that is my, my biggest gripe here is that if, if it's not price fixing, then I should be able to charge eight and not have an issue. I should be able to charge one and a half and not have an issue. But I shouldn't have everyday people coming up to me and saying, Hey, you're going to charge me five or 6% for this knowing, Hey, this is, this is the standard or this is what quote, everybody charges. Well, I think, uh, I think you can charge anything you want. You could charge one, you could charge a good charge, anything you want. But I guess the question is, isn't every industry kind of work in a range? I mean, there's a range that roofers charge to roof a house.  Uh, there's a range for just about everything. So how, I guess my question is, how does it differ from any other industry? Because there's, because I can get a different roof. I can get a different countertop. I can get a different car, right? And your car dealers are going to get a different range based on each car. And it's actually a different range. The, the only difference in the real estate world is anything that's two and a half, like anything that's less than two and a half percent probably going to sit on the MLS for however long, right? The, the number was 75% of transactions that were two and a half percent or less didn't never sold on the buy side. Right. So knowing that if I know I have to be as a seller, if I know I have to be at a two, seven, five or three or a three, two, five to get this done, it's essentially forcing me to use an MLS or use something else where I know I'm going to get the, the marketing and everything else that goes into it. I, I don't think, I think it's, I think by 20, I think by 2030, I, I don't think the real estate agent exists anymore. I think, I think we're clicking the same way we, we click and buy floors or the same way we click and buy anything else.  I think, I think we're clicking three or four buttons and it's going to a title company or it's going to your lawyer. What do you think the difference is in 2030 and now, because people can make a couple clicks and sell a property on their own. Right. I think we're still waiting on, I think we're waiting on adoption for the older generation is, is, is what I think.  And I don't, I don't see them adopting the tech as quickly as somebody at my age or, or younger where, Hey, I just want to click three buttons and now this is done and it's over with. I think they're still going to have to talk to somebody because it's the way they've always done business. I think we're, we're fighting a, just a personal side, a personal preference thing versus an actual, I still think there's an industry problem, but I think we're fighting personal preference on the adoption side. What do you think? And, and, you know, I'm not, I don't argue that that could happen. Um, what do you, what do you think the process is, especially for existing homes, even, even new construction, there's problems, right? Right. I just bought, um, five new construction homes and they all have problems. Uh, we actually had to tear up. We had to completely demolish the driveway. They had to bring a, a, um, you know, like, uh, a bobcat or whatever in to, to tear up the driveway because it was, it was messed up and I wasn't, I wasn't going to buy the house. I was like, I'm not, I'm not going to buy that. You know, just sell me another one that you're building right next door. I'm not going to buy that one. Yeah. If you're not going to fix that. And they're like, okay, we'll fix it. So they actually tore it up and report the driveway and did it right on two of the, two of the homes. Okay. Um, you know, there's always stuff, even if it's a brand new home. And when you get into these older existing homes, there's a lot of stuff, right? Right. So how do you think the buyers become protected, um, you know, in those scenarios where real estate agents don't exist, not to say a lawyer couldn't do some kind of liability thing, not to say, I think in those scenarios, there's going to be new insurance, uh, industries, right? New policies that are invented and these, these actually exist in other countries and by the way, the other countries where there's no buyer agent really involved there, there are, it's also a range. It's like two to 3% or one and a half to three, uh, all everything is ranges. Right. I don't, I don't, I don't, I don't get the argument that like it's price-fixing if there's like a range that people are familiar with. But how do you think in that world in 2030 people kind of protect theirself, especially like first time home buyers that know nothing about what they're doing? Sure. I, so I think you're, I think you're right. I think your insurances are going to pop up differently. I think you're still going to have your warranties, right?  You can purchase a warranty right now without an agent, right? But I think you see flat rates if you want to bring somebody else in. If you want somebody that's not a lawyer or a title person and you just want somebody that's real estate expert or whatever we're calling them by that point, I think you bring them in and you give them whatever a flat rate is that they decide based on home value or based on their expertise versus what the home purchase price is worth because the even, even industry wide right now as a six, right? Say, say we get a 6% listing. The assumption is that I'm as good an agent as Ricky, as Joel, as whoever else comes along. And that's, and that's what you're getting paid, right? I'm not paying it on the agent side right now. I'm not paying based on expertise or how good you are at your job. I'm paying based on percentage of home. And there are plenty of agents right now that just fill out paperwork and don't provide a whole bunch of value. And then the transaction happens. So what do you think the responsibility lies on the consumer to actually scout out a good agent because 71% I think of buyers and 85% of sellers went with the very first agent they talked to. They didn't even get a second opinion on one of the largest financial decisions that they're going to make in the next 10 years. Why are people not getting a second opinion or even a third or a fourth or a fifth to make sure that they feel like this is a very competent agent that has high integrity, that has experience that they want? At what point, where is the line drawn on responsibility of the customer to actually, I mean, because let's face it, there are bad agents out there, right? And there's a lot of amazing agents out there, right? And so, you know, just because the consumer doesn't go get a second opinion and chooses to go with the first agent they talked to, which could be a bad agent or a good agent. Let's roll the dice, right? I mean, where's that? Where's the responsibility on their side for that? I think it's all on their side, right? So, and that's where, especially on the lawsuit side of things where they're going after, I have no problem with you going after NAR. I have no problem with you going after NAR. I have a problem with you going after smaller teams. Right? And like the fact that this new one has a bunch of smaller teams that are involved makes zero sense, right? That's on the consumer. Just like, which one? So, I would have to pull it up. There's a newer one that names two or three different smaller teams. Is that one? Is that one in the, where is that one out? Is that the one in Texas? I don't know. I don't know what it's at. Is that the one in Texas, Joel? Is that the one in Texas? I think they just named, they just had another lawsuit. Filed yesterday, maybe the day before. Yeah. So, but we'll bottom line before I go to Joel for a second, then I want to kind of go back and forth. Yeah. As far as the verdict goes, like you, you support the the verdict, like that these, like brokerages basically with NAR conspired to inflate commissions. Yes. Yes. Got you. Yes. So, and then can I kind of go back real quick to the the interviewing agents, right? So, yeah, just like if I got, God forbid I get diagnosed with something from a doctor, like you best believe we're going to two or three other ones. And we're figuring out who, who the best doctor is in the world for these two or three things or whatever it is. Right.  I don't understand why people aren't interviewing two or three different agents in the area, maybe four and figuring out, Hey, who are the actual best people you know versus, Hey, you were first on the Google machine or you were first on whatever I searched. Okay, cool. So we're going to go with you. Yeah. I think a bunch of that's on the consumer. It's, it's a massive problem. Yeah. Right. And, and, and like that's a big part of, I think what's hurting the whole situation in the public eye is that the consumers are doing a horrible job of vetting the agents that they're working with. Right. Um, and I don't know where that comes from necessarily because like, I don't know what the stats are when you get your house roofed or build a house or, um, you know, pick a landscaper or a dentist. I don't know the numbers, right? The stat on like, do people pick the first, you know, landscape or a painter or dentist that they talk to. Um, but that just seems ridiculous to me how consumers don't get a second opinion. Joel, give me your thoughts on the overall, um, like, lawsuit, the verdict, like what's your stance and perspective? Uh, first of all, I think the, uh, the legal system is based on a concept that you're innocent until proven guilty. And I don't think that this, this industry has been proven guilty of price fixing. Um, it would be almost impossible to prove that they're guilty of price fixing. And because every transaction is different and every seller and every buyer has the right to, to negotiate commissions, every single one of them. Yeah. And, you know, we make recommendations on what commissions could be and we make recommendations on, you know, but I, uh, every listing presentation I've been on, and I'm more on the listing side has been with the, with the sellers to say, you have the right to choose how much you want to pay for commission. I think the problem is, is that a lot of agents don't do that. Right.  I think that the, the, what happened is we forgot that the buyer is the one that provides the money to buy the half. Uh-huh. The buyers provide the money for the commissions, right? Which is kind of part of the problem, right? Because what their argument is, is buyer commissions that they don't get to negotiate and flay at home prices. Well, they do negotiate. The, the buyer's commission is set by the seller. Yeah. Seller has the right to, to negotiate that commission. I, or the one bringing the money that's paying for the house and ultimately deciding the purchase price doesn't get to negotiate their commission. Um, therefore inflating home prices. That's the argument. Mm hmm. That the buyer, that the buyers doesn't get to set the commission. The buyer doesn't get to negotiate the commission that their agent is getting, therefore inflating home prices. You know, there's a home buyer lawsuit. Um, right? So as soon as the sits or Burnett got the verdict came out, then, you know, of course, there was like 10 more lawsuits that were filed the next day. But like one of them was home buyers who said, wait a minute, we're not even the sellers get to negotiate, uh, what our agent's going to get. That's not right. There are agent. Right. So that it kind of brings me to, um, it's like, okay, it sounds like people for, for one thing for me guys, honestly, this is to me, just the biggest money grab in history in the real estate industry. Number one, both arguments are silly in my opinion. Um, but for the buyers, it's like, well, okay. So you want to negotiate your own commission. Okay. But do you want it figured into the price or you want to pay out of your pocket? Right. You know what I mean? Right. Um, it's like, okay, you're wanting to have your cake and eat it too. Do you want it figured into the price and you get to negotiate? Right. Or do you just want to buy the house for what you're willing to pay for the house? It's like that, that's the other part of the argument for me. The buyers negotiate not based on what the commission is. They bait, they, they, they, they negotiate and pay what they're willing to pay without even a commission even being part of their negotiations. So what does it matter? It's figured into what they're, they, you know, they're willing to pay for the house. And now they want to, and so what will happen on the opposite, the contrary is they negotiate what they're willing to pay for the house and then pay a commission on top of that. That's what you want. Because that, see, for me, that's what inflates home prices is if you pay what the price, the retail price, which is what people are going to pay no matter what happens with this retail is going to stay retail. This isn't going to fluctuate home prices. And then you're going to pay another, you're going to pay a commission on top of that. So you're actually paying more for the house than you are right now. Yeah. Right. That's my argument with buyers paying their own fees is that prices aren't going to go down. Sellers aren't going to take 3% less than retail because they're not paying a buyer age of commission. Right. Right. And I think that this will actually increase the cost of housing. Um, at the, at the end of the day, they were paying for it already anyway. Right. Yeah. Right. So if, if they're looking at, because when you're looking at the settlement sheet, right, if you're just looking at it and you're like, Hey, why is this what commission's the one thing they're going to go to? Right. Cause it's the, the quote only thing they think they can negotiate. So if I took that out, we negotiate everything else. The majority of buyers commissions are paid through the loan right now. Yeah. They're not paid through. They're not paid through proceeds of the house. They're not paid through, like they are paid through the, the money at the bottom of the sheet where you're like, what needs to go where to make all this work. Right. So I think that portion of the what needs to go where to make this work. Is I guess unclear for the consumer. We're cool. Okay. Let's just take all that out and you give me whatever a flat 5,000, 10,000, 15,000 outside of this problem is people don't have that money usually to be like, here, Ricky, here's your, here's your 17,000 for this home that you just got this done on. Right. It's inside of, it's all inside of the transaction. So I think everything being inside of the transaction is the issue that is in question here versus if it was just a, Hey, if I, if I went to a local coffee shop and I give them $10 in cash versus $10 in a card, right? I'm going to pay more with the card. So am I going to pay more inside the transaction with the buyer's agent right now, or is that something I'm just going to pay cash? And Hey, here you go. You, you do whatever you need to do inside of there. I understand that that's not exactly how it works, but from a transaction standpoint, if you pulled that out of the actual settlement and you said, Hey, here, here's what I'm charging. I need $10,000. I think that person goes away and they, and the buyer figures it out on their own or they're talking to somebody else. But I don't think anybody's going to come out of pocket to pay a buyer's agent moving forward. Oh, I don't either. Well, I think some people would. Um, we've even had a lot of emails and comments and stuff like that from buyers who are like, I'm happy to pay, you know, my buyer's agent. If that's what it comes down to, I'm never going to do a deal without someone representing me, um, wealthier people, right? People that have the money. And that, and that's another part of the problem too. You, you wipe this out and now you're kind of it's coming. It's kind of like now we're picking on, you know, the lower class, the middle class, that like scrape up to get to the down payment. And now they have to go unrepresented. Right. Um, so that, that's like the puzzle that you got to figure out for the 2030 industry is how do we protect those people? Right? Where, where's the protection going to lie for those people? Go ahead, Joel. Somebody's going to take advantage of that business opportunity in that niche and create a program that, that works for them. I think they already have. There's a lot of startups right now that are happy. If you search around and read some articles, there's a lot of startups that are focused on buyers and, um, you know, um, doing things differently and innovative ways to work with buyers and stuff. So that, that's already happening. There's already startups that work directly with buyers and, you know, help them and, you know, it's like one and a half percent here and, you know, it's cheaper kind of stuff. There'll definitely be some disruptions when it comes to all this. Right.  Uh huh. Right. And so from that side, from the seller side to the buyer side, I can understand the argument that I don't want to pay somebody else's commission. But I also want. Well, it comes back to the have your cake and eat it to kind of deal. Right.  Right. Right. So it's like, well, you know, okay, you take this away, then you don't get this. Right. And so you have to decide, okay, pros and cons. Okay. What side of the fence am I on it? It's almost like a, it's almost like politics. Like it's like you're on the right or left here.  It's like people are on one side of the fence or the other. Do we have, do we see us a time moving forward where dual agent, like I have a dual agency clause everywhere and everybody does it. Do what now? Do we see a time moving forward where dual age, like they would obviously have to change some of it, but where dual agency would be the only thing. Hey, hey, I'm going to take this at whatever percentage and I'm going to sit here. No, there's a lot, there's a lot of states that don't allow dual agency. Right. So number one state by state, see state by state would have to kind of like there would be different rules state by state number one. Sure. And so something massive happened. We're still waiting on the judge to roll, right? Is there going to be an injunction? Are they going to actually change the way we do business with a stamp of a finger until appeals go through, which could take years. Right. That could happen any day. We're waiting to kind of see what what happens. But but with dual agency, it's different for every state. Some states don't allow it. So if something if something happens injunction wise and then certain states that don't allow it may allow it, who knows what will kind of happen there, or like the states that don't allow it, they allow you to work with the buyer as a transaction broker where it's basically arm length. You can't you can't work on their best interest. You're you're you're basically working with them, but not for the right.  Right. And you're trying to get the highest price there. And this is this is the problem, right? You're working for the seller to get them the highest price, but you're not trying. You don't have a fiduciary to the buyers and you're basically tell you can't advise them. So it's like, OK, seller, here's what the buyers are offering. You know, I would do this. OK, counter great. Go back to the buyer and say, here's the counter. What do you want to do? What do you think we should do? Can't tell you can't.  You tell me what you want to do. I go back to the seller. Go back to the seller and say, here's what the buyers say to that. Here's what I would do. And so that's what it turns into with these non dual agency. And then when you get in a dual agency where you have a fiduciary of both sides. Well, isn't that a sticky situation, right? As a real estate agent, now you just increase your liability 10 times over. Correct. And so now you're in a really weird spot because you're trying to fiduciarily help everyone. So that that gets a little sticky. But no, I don't think a lever gets a place where like one agent handles the whole deal because I think even in a world where buyers have to pay for their own representation, most of them, I don't know, maybe half. Maybe it's not even most. Maybe 50 percent or I don't know what the number will be 20, 30, 40, 50, 60 percent won't pay for their own representation. They'll go straight to the listing agent or whatever, but you'll still have a big group of people who who won't do a deal without out an agent. So I don't think there'll be a world where it's one agent doing the whole deal. Even when you get to your 2030 scenario where agents don't really exist. I think at that point, they're still going to want one person that has that fiduciary duty to make sure everything goes smooth, you know, for them one way or another. And to be honest, like right now you talked about different dealerships and different cars and different because I mean, we we kind of have that in a way with the discount brokerages in the Red Fins and the the different. There's different brokerages that charge different prices. That's what's so funny, too. You've got six percent, which is kind of like the norm, right? Sure. And then Redfin is named in the second suit that the sister Burnett Lawyer filed the day of and Redfin is named in that suit, that second suit when Redfin's commission is like four percent. I want to say it's like. So like how you're kind of OK, it's like price fixing, but the defendants, you've got one charging four percent and then these other traditional ones charging six. Sure. Like I guess are you saying that since they charge four on every single deal that that's price fixing? Maybe so. I don't know what the argument is there. Right. But we get to look, let's stay in the car world for a little bit, right? So I can hop on to pick a website right now and find a car. And I'm going to pay whatever whatever that number is directly. Like there's a sure there's a dealership option. There's a direct from a seller option, right? My I don't have a I don't have somebody I go to to make that. I don't have a third party to go make that conversation happen, right? I go by the car. I don't have somebody I can go after if I got sold. You just click and buy and they do. Right. So and it does. This is not just your car. Van is right. Like I could go meet somebody. I hand them however much money. I now have the car by all right. My owner right. That's all on me. Right. That's all on me as as the buyer. I don't understand why people don't take the same like the same precautions that you would with the car with a home. You you you find that first that first person that first agent you say OK cool let's go. No idea whether the good or their job. But that's my other argument is like does that person need to be there or do I have a free marketplace where I where somebody just has a home up there and hey I could market your home better Ricky. I see that you have it up here as a for sale by owner. I have two or three buyers that I know I could bring is that worth X amount of dollars to you and I negotiate that either outside of it or inside of it. I guess I guess my question is do we know stats on how many people actually buy a by a car by you know from directly from owner. First I don't have I would have to. I would like to look because recently six percent of people did buy their home buy the home directly from the owner people do do that. It's just a really low percentage. I don't know how many people do that with cars. Right. I'm sure it's higher. Sure. It's a lower ticket item. I think the higher the ticket goes. I think the more the the more fear people have of not having some kind of I mean a car if you buy a bad car could cost you you know tens of thousands you buy a bad house it could cost you hundreds of thousands. So I think it's just more risky and that's why you know if fewer people do it at scale. Go ahead Joel. I think there's there's what's going to result here. There's going to be more options for the consumer. They're going to drive more options. They're going to. First of all again I think it's going to be really difficult to to prove collusion and price fixing in this industry even with the kind of the norm like you said Ricky if you know three five six percent the average person thinks that's what the commission rate is. But that's not the reality. The reality is all commissions are negotiable. Every deal is different. I think I don't think it's right to choose what they pay a commission and the buyer's agent and the buyer or the buyer has the right to to you know negotiate that commission if they don't want to pay their buyer's agent the whatever is advertised in the MLS. I think the problem is is that there's agents that don't negotiate. Right. And that's what's muddying up this entire thing is that they don't explain like I have I've negotiated on probably 80 plus percent of the deals I ever did. And I even had buyers throughout my career like back in 2012 and stuff. I had buyers like there was deals where I would make 20 grand and like the buyer as we're negotiating say take five percent stake five thousand less on the buyer agent commission. And I would. Get the deal for five thousand less. So I but I think the problem is not every agent operates like that and they definitely haven't been trained to operate in that manner. We kind of trained as an industry to show your worth and don't take less than six. And like I have like in my coaching program like one of my things is is tell them you're be the tell them you're the cheapest agent out there when they say what your commission is say lower than anybody else's and then that way they come back to you and you can determine OK do I want to take this at four point nine or four point four or five point five or whatever or if somebody's going to do it for three knock yourself out or have fun like I'm not going to take it for three or two point nine or whatever. But the market's going to be the market. I think that I think I think two things that's going to come out of this that are great is is hopefully the public is being educated to some extent on the fact that they can negotiate. You know commissions and the second thing is I think we're going to I think that the end of the day as long as like the DOJ doesn't come out and say you can only take two thousand dollars per deal or some shit then and they actually allow the market to speak. I think that'll be a really good thing. Right. And I think what a lot of the haters out there of agents. I think what they don't realize is that when we get a check for 30 grand we don't get 30 grand as a 10 99.  Right. We pay taxes. We pay business expenses marketing. I mean at the end of the day like what are we netting 1 percent when we take three we're netting like one right. And that's what people don't get. They think oh my god you made 30 grand you literally. And two it's like the faster it sells the matter they are right. You saw you made 30 grand and it's sold in two days. It's like did you want me to. Did you want to sit on the market for 60 days. Right. You want to get your money as fast as possible.  I did such a good job. And now you're pissed. And the one thing that we sit on the market a while then you're then you're pissed. It's like I can't win for losing. Yeah. The one thing they think that we control which we don't is if there is a buyer in the market for their product at that time. Right. Don't control that. Yeah. Well it's also the your I've never had I've never had a client under a certain dollar amount complain about a commission structure because they know they're paying for time and paying for a bunch of stuff that they don't want to do. Right. So that's where if how are you looking at this money. Are you looking at this money is oh man I'm losing X amount of dollars. Are you looking at this money is hey I'll pay I'll pay Ricky. It's a three million dollar house. Ricky here's forty thousand dollars do whatever you need to do. I need this gone. And I don't want to have to deal with it because I have 19 other things that I'm doing. Right. So the the more that we as agents portray that that you're not you're not just paying for me. Right. You're paying for the you're paying for your quality of life while this is listed and to have the least stress inside of a transaction you can have. That's why you pay me. Right. And the more that is actually brought out and said hey here's what I'm actually doing to get this going. And yeah we're glad you got under contract with forty eight hours. But I think the easier it becomes. But I don't know that they're inside of either the buy side or the sell side. That's half happening a lot. Yeah we're just looking at it as a dollar amount versus everything else that's going into it. And the time. I'm going to have to disagree with Nick I think there will be agents in twenty thirty. I think if you look at the travel agency business that you know I can go online now and book everything I need to book for it to. But or I can go to travel agent I'm going to go to Iceland next year. I can go and do all that research do everything by myself. Or I could go hire an agent a travel agent who knows all of those niches and and and ideas and places to visit and pay them a little bit of money to help me schedule. When you compare it there will be agents. But I think that the options that are going to be available to the consumer as a result of this lawsuit are going to be greater options for how commissions are going to be paid. And that and that's a good thing for the consumer. When you compare it to travel agents there's way less travel agents now than there were. And they make a lot less. Yeah. And so making that comparison. Same thing is going to happen to buyer agents. Right. It's it's it's it's what about listing agents as my coffee cup says. Let the adventure begin. What about listing agents. Listing agents again the listing agent in the presentation and how we're going to have to train out the real estate agents is that every transaction is negotiable. Every commission is negotiable. And as the next generation gets older and start ups and technology gets better. It's going to be so easy for a seller to just click click boom and advertise their home. Sure. And I'm just looking for the argument of why people will listen. You know what I think actually I think there'll be more buyers agents than listing agents in two thousand thirty honestly. I think because I think people can list their properties on their own a lot easier in two thousand thirty but the buyers are going to be the ones that need the you know the the help the consultation the the protection and stuff you know what I mean. Well the both sides do. They they really do they really do I mean I don't know now here now here's something that's really messed up. The whole for sell by owners make less thing. Now I've dug deep into that and I found a lot of research and what and what I've come up with is that this number that they make less is kind of it's kind of skewed based on the fact that higher in people use more agents than lower in properties. But then when you compare apples to apples the for sell by owners get about the same with or without an agent. And I I was very disturbed about that because I've always been shown the data where agent where an agent makes you more than as a for sell by owner. And so that was disturbing for me because I felt misled by the entire industry. And then I then I felt I felt manipulated like I was brainwashed to I was programmed to think that agents get people more money in order to say well this is why we're worth it for us to use us. I don't think price is the reason does the value that that that agents have for sellers. I think the value is taking care of taking care of the deal forum right through people backing out of deals and all the other like terms that are negotiated in the contract and kind of knowing when you're dealing with a bad buyer or not. And things of that nature knowledge experience. Right. Yeah. Yeah. Yeah. It's also the when pick your Zilla redfinrealtor.com right initially your your zestimate was could could be within a 40 percent range. Yeah. Right. Of what the home is actually worth. And here recently just looking at comps I've run and then looking at the three or four numbers that across the websites that we're within one or two percent now. I don't have this this giant range of everything. Right. So the comps that doesn't make sense that every the expertise if there was if there was a calculator on one of those websites that the whole industry agreed was hey this was accurate. You only need me for paperwork and a couple of negotiations now on the list side. Right. Because on the list side you draw your circle and you say OK go. Ricky I like the hey there might be more on the buy side depending on how informed that seller is moving forward. Yeah. Yeah. I I want I want to say that I want to say that by 2030 would just have a lot less agents. But very high quality agents. 100% I think we'll have better agents. You know more disclosing more about the process. Right. Making less per transaction but doing way less work than we were. Right. Well I also think you're way more hyper and not that people aren't doing it now. You're good ones. But I think you have a way smaller community and niche that you're in right now versus saying hey I'm your what your South Florida real estate agent and I'll handle anything from whatever Fort Lauderdale all the way down to South Beach. Like no you won't know you will be the the South Beach Waterfront condo agent because that's what you did or you will be the the residential middle of middle of America agent in subdivisions because that's where your expertise is and I think we're going to pay a lot if they're still out there I think you're paying a lot more on the expertise side versus somebody that's just getting you through the transaction doing paperwork. So what are you saying exactly there's going to be as time goes on you're going to have more niche. I think you're going to have better agents that are very specific in what they do. And not that that doesn't exist now but just like your travel agent world has shrunk I don't know what the number is but has shrunk exponentially. I think the real estate agent world shrinks exponentially because all of your part time agents aren't going to be able to show the value that that that other person is that they're competing against if they're competing. I think that I think that this process of listing presentations we have the tiered commission structure where it's like you know you know 3% for this 4% for this 6% for this 7% for that. I was never a big fan of that. I gave everybody the highest quality serve like the highest form of everything I could do. I did it regardless if if they were paying me 4 and a half or 6 and a half. It didn't really matter. I gave them the highest service period. Sure. But in this new world right where there's going to have where they're going to have more options that almost makes a lot of sense like I'm an agent. Like if you just want me to handle the paperwork for you and like make sure you're good and negotiate then it's 3% and I'll just charge you 3% nothing to the buyer right or 2% or whatever. If if you want me to actually advertise and handle showings and everything then it's 4%. You know if you want me to and then I think this I think this tiered like the way that some of these coaches and stuff have laid that out. I think that's going to become more prevalent in the new world and I'm excited about that because it's going to give people options because not everybody's going to want the same thing. This seller is going to be like all I need is somebody to make sure I don't get screwed on the paperwork. Okay great. Two and a half percent done. Right and the next seller is like I don't want to even think about this. I don't want to talk to buyers. I don't want to see anybody. I just need you to handle the full service. Okay. It's you know 5% for that or whatever. Right. I think that's what we're going to kind of get get into. And I hope that I hope that we're living in a world where the seller gets to choose if the buyer agent is paid from the listing from the commission that they negotiate with the seller. I hope that doesn't get outlawed so that it's just the seller's choice to do that or not. Right. If they don't want to fine. Right. But if they do you know hopefully they will be in a world where they can if they want to. Right. Go ahead Joel. Absolutely. Cool. Did you have anything to add to that Joel. No I think that's the that's the whole gist of this lawsuit is that there needs to be more more choices for the consumer. And well I got it man man I have my box and gloves on with you guys. I was thinking this is going to be a lot more heated than this. This has been a very kumbaya type situation. This is this is a conversation Ricky versus the sound bite where your and we're going to say anger than you should be. I think anger than you should be on the post.   I was like here's here's my actual thought in whatever the paragraph that I sent out. But no at the end of the day this is I think if we take it outside of the transaction if we if we take buyer's payment outside of the transaction. I think this whole thing goes away. Right. I also think if we make I think if we make it a clear cut choice. Right. The seller to include it or exclude it. Yeah. Right. And you should be doing that now on the list side. If you're not if you weren't doing that now that's on you as the agent. But like that that was always an option. If that's not how it was presented then I'm all on board with the lawsuit. Well here's the thing that gets me is the seller the plaintiffs were OK paying let's just say five percent. Sure. OK. They're OK paying the five percent regardless of if there's a buyer agent involved or not. Right. So they're going to pay the listing agent five percent. If they represent the buyer or if they brought the buyers a transaction broker or whatever they're OK with their net number paying five percent. And it's like OK you're still just paying five percent. Why is it that just because of buyer agents involved and I'm not getting all the five percent that now you're mad at me and my brokerage. Right. Right. That's my that's the silly side of this for me is that you were happy paying me the whole five percent if I brought the buyer. Why are you unhappy that I use part of the money you just you you agree to pay for me to get the job done to entice you know thousands of agents to help me sell this thing for top dollar. That's the plan. Sure. Sure. Were you my question there is are you bitching to your client that you're losing some of your commission to the buy side now because if that's what steamrolled this if that's what got this whole thing rolling and that's on us as agents if I understand both but like if you said oh man I'm only going to get three percent now because they brought somebody else like that's on you as the agent and that's not something you're whining to your client about. Right. No it's never the money's there to find a buyer whether the agent finds the buyer or the buyer's agent finds the buyer the money's there from the seller to find a buyer. Correct. Out of it you don't have any trans you don't have a transaction. Brick I would like to say that I wish that you were in that courtroom. Absolutely. I was in for this argument for for N.A.R. that we are doing exactly what we should be doing which is providing competitive services we're providing knowledge and information and training and and everything about online on the whole thing. Okay. Thanks.  And I think the whole thing is a scam. Right. I think the whole thing is a money grab. And that's why all the why are all these lawsuits popping up now that there's a verdict. Why weren't they already popping up. Right. It's a scam. Right. And the weird thing is the lawyer is suing somebody for what he's doing while he's suing them. Right. Right. The same thing the owners get two thousand bucks and he gets five hundred million. And now I'm not going to sound like one of the consumers talking about agents because I know he doesn't get five hundred million. He has to pay taxes. He has to pay expenses. Blah, blah, blah. I get it. Maybe he ends up with a cool hundred mil. Okay. Poor him. But my thing is on the on the actual trials scams on the actual issue. I'm kind of in the middle. Right. I'm really in the middle. I'm not really right or left. I'm I actually love I actually would love for this to get to a place where let the market speak, let everyone make their own decisions, let technology and the next generation come up, let everybody make their own decisions on how they want to operate buying or selling, you know, give everybody the all the options available and let them pick what they want to do. I think it'll weed out a lot of agents, which will be a good thing because the ones that are left are going to be the good ones. And I think it'll make the industry stronger overall. I think there'll be more market share per agent because, you know, a lot of them will leave. I think this is great.  So I'm excited about the issue at hand. And I want it to be worked out fairly for everyone, which means transparency and options for everyone.   What's the what's the average gross commission income for an agent in this country? It's like $40,000, right? That's before tax. Fifty five. Fifty five. That's before tax. So you take a third of that. But you have to understand, though, Joel, about that, is that we are manipulated. Right. That's figuring in every agent. And you know, 80% of them don't sell anything. So really the top 20% are really the ones that, you know, OK, multiply fifty five thousand times one point six or whatever. Right. And that's how much, you know, what is that? A hundred mil, right? Because like it's like a hundred.  Now you divide, you divide that by 20% of agents, not a hundred percent. And that, and that dude, this right here is where I start to get disturbed when, when I'm getting told that for sell by owner, sell for less money. When I'm being told that, oh, agents make fifty five thousand. No, they don't. They make a lot more than fifty five thousand. Right. The ones, there's, but there's agents that don't make anything. Right. And then so, so, so, OK, let's do the numbers. Yeah, I'm going to do the numbers real quick. North Carolina was, I forget the numbers, but when you did it all out, it was less than less than one transaction per agent with the number of number of people they had in the industry when I was getting into it. See, OK, let's just say 80 billion, OK, and then 20% of 1.5, let's say, because it's about 1.5 million right now. That's 300,000. OK, that's two hundred and sixty six thousand dollars per agent. Maybe it's, let's just, let's say, let's say 70%. Let's see, that'd be 450,000 agents. That's a hundred and seventy seven, even if you split it in half. Well, let's do this. Let's say 1.6. See, there you go, dude. There you go. If you divide the 80, 80 billion by 1.6, that's 50,000. So that's where they got their number from. They took the entire commission pool, divided it by a total number of agents. That is misleading. That is, that is manipulating, bro, to me, because now you talk to the general public and say, well, we make 55,000. OK, I'm making a million a year and I don't even, I'm not even in the business anymore. You just made 45 on one transaction. There's no way you're making 55. Now, but when you figure in the 80% of agents that don't do anything, OK, right? OK, they do the one or two all year and that's it. They're either going to get out of the business or they're going to become one of the superstars that make an average of 150,000 a year, let's just say, right? So this is where I feel like as agents, we've been taken advantage of in terms of manipulated by the system. I'm starting to feel that way. And for so long, I didn't. I believed all the stats. I believed for sell by undersell for less. I believe all this stuff, right? And now I'm like, wait a minute. Have I been? I've been full, dude. I've been tricked. And so now I'm like, OK, I understand the game now. You know what I mean? Yeah, Ricky, do you think it turns into more on the training side? Is that going to be more at the raising the barrier for entry or is that going to be more on individual brokerages from a let's just call it compliance. Compliance per state per state. OK, I think it'll be. I don't think the bear of entry is going to change, although it could. I don't think that's the problem. I think the problem is disclosure to consumers. Right. And I think on a state level that they're going to have to put in laws that say, you have to show this document right here. And you have to make sure. Which we do in most states. Yes, but this new document is going to actually spell out what they're all their options.  I think the disclosure is going to say that. Hey, your option here is list by owner without an agent. That's your option by law. That is your right to for sell by owner. Here's your next option. You can elect to pay the buyer agent commission or not. Here's the next option. And I think it's going to go down the line where you literally have to go through that document with every client so that they understand everything about it. I think that's really where it lies. And then as the industry changes with technology and new generations, I think that will weed out the part timers. We'll see. I think you're spot on. And we've got an agency disclosure form we already used with the first material contact about buying or selling real estate. That form is required to be signed by the client. I think the problem is agents don't go over it. And it isn't as clear on like, I'm sure it doesn't say, hey, do you know you can sell this by owner and not pay a commission? Right. I think that needs to be stated somewhere in paperwork so that people know. Because part of the argument I hear in the comments is I'm like, well, 90% of people use an agent because they want to, not because they have to. It's by choice. And then people comment, they're like, well, that's because they don't know they can do it on their own. Well, first off, it's like, well, OK, you're going to sell a house for a half a million bucks. You're not even going to Google what are my options. Number one, number two, you're going with the first agent you talk to. So again, a lot of this lies on the consumer responsibility, in my opinion. But I think that's where we as an industry have to step up to edge. We have to realize that we assume consumers know what know a little bit about what they're doing when they don't. Right. I think that's part of the problem. We walk into every appointment with a buyer or seller assuming that they know more than they do. And we just kind of go through the transaction real fast because we're the expert and it's like breathing air to us. It's not even, you know, like we do this in our sleep. So it's like, we don't even realize how much we actually know more than the general public. So we're just breezing through the transaction. But then I think we need to slow it down a little bit, you know, just to make sure that they understand that way. And again, dude, I think we're always going to live in a world where you can't make everybody happy and there's always going to be people no matter what you do that just hate on people and sue people and, you know, say that you did them wrong, even though you've been over backwards. But again, I'm excited about whatever changes come out of this. And I'm looking for opportunities to expand. And I'll be on the front end of whatever wave happens. If we end up with 300,000 total agents in the US by 2030, I'm going to be running 100,000 of them, right? I'm going to be running a team of 100,000 of those, right? So I appreciate you guys coming on and sharing your perspectives. Thank you. Thank you for the opportunity.


Even if the nutritional manipulation is proven effective in reducing blood-lead levels, a reliance on such an intervention places most of the burden for prevention on those most defected and least responsible for the underlying environmental causes. Nutritional interventions therefore must never substitute for efforts to reduce lead exposure to safer levels. On the other hand, when used as an adjunct, some nutritional changes may prove to have benefits beyond lead toxicity. For example, vitamin C-rich foods may help with a bunch of things. In addition to perhaps influencing lead toxicity, through an effect on absorption of lead, elimination of lead transport within the body tissue binding, or just helping ameliorate some of the damage. But based on what? Well in 1939, a remarkable study was published entitled Vitamin C treatment in lead poisoning, in which 17 lead workers were given 100 mg of vitamin C a day, the amount found in one or two oranges. And with practically all of them, there was a marked gain and vigor, color of skin, cheerfulness, their blood, appetite, and ability to sleep. Now they were chosen because they seemed in pretty bad shape, maybe even had scurvy, so no wonder a little vitamin C helped. But vitamin C is an antioxidant and oxidation is an important mechanism underlying lead toxicity, so it's conceivable that it may have mediated some of the harm. But the vitamin C didn't appear to just reduce the damage from the lead, but reduce the lead itself. This is the amount of lead a painter was peeing out over a month after starting 200 mg of vitamin C a day, a 5-fold drop, suggesting he was absorbing less of the lead into his body. And he was one of three painters they tried it on and evidently all their levels dropped. The researchers concluded that those exposed to lead should be advised to include in their diet plenty of vitamin C-rich food such as tomato, citrus, spinach, turnips, bell peppers, cantaloupe, etc. Now this was just three painters, and they didn't have a control group of painters that didn't take vitamin C, so maybe everyone's lead levels would have dropped regardless for some reason, and it was just a coincidence. You don't know until you put it to the test. That original data was so compelling that it inspired others to try to replicate them. I mean, if it actually worked, they could start handing out grapefruits at the factory door. The earlier study didn't have a good control group, but they weren't going to make that same mistake this time. Half the group got 100 mg of vitamin C a day, not just for a month, but for a year. The other group got nothing, and careful study of the group failed to reveal any effect of vitamin C on the lead concentration in their blood or urine—no difference in their physical condition, no changes in their blood work, and so no reason for recommending the use of vitamin C to minimize effects of lead absorption. Bummer. It looks so promising. Whenever I study a topic, I try to read the research chronologically so as to experience the discoveries as they happened throughout history, but I was so tempted at this point to just jump to a recent review to see what had happened in the intervening 74 years since this was published, but I didn't want to spoil or alert myself. There were in vitro studies, where they like dripped antioxidants on lead-exposed cells, and it seemed to help, and so they jumped on the cantaloupe bandwagon tube, but these were like test tube studies. The first population study was published in 1999, and they did find that those with high vitamin C levels in their blood tended to have lower lead level. Youths with the highest vitamin C levels had a nearly 90% lower prevalence of having elevated blood lead levels compared to those with the lowest C. This was a cross-sectional study, just a snapshot in time, so we don't know if the vitamin C caused a drop in lead. Maybe the lead caused a drop in vitamin C. Lead is a pro-oxidant, so maybe just ate up the vitamin C. And hey, who has higher vitamin C levels? Those who can afford to have higher vitamin C levels, those who eat lots of fruits and vegetables. Maybe the lower vitamin C levels was just a proxy for being poor, and that's the real reason for their higher lead levels. That's a good reason to be eating more fruits and vegetables, and we should be eating more spinach regardless, but it'd be nice to know if it actually helps with lead poisoning or not. To know that, we need to put it to the test. Unfortunately, most of the published interventions are like this. What are the effects of dietary vitamin C supplementation on lead-treated C-cucumbers? Well, that's not very helpful. And there's a surprising number of articles on the effects of C supplementation on mouse testicles. But that's because lead may impair male fertility. Lead workers appear to have a reduced likelihood of fathering children. This may in part be due to oxidative stress. So how about giving an antioxidant like vitamin C and putting it to the testes? No, not rat testes. No, not frog testes. No, not crab testes. I didn't even know crabs had testicles. Here we go. The clinical relevance of vitamin C among lead-exposed infertile men. Human men, which I'll cover next.


Get a mate 40 here so If there's anything good about this show, right if I Have any positive tendencies if I make any Contribution I am adding anything to your life, but at anything to your understanding About what's going on in the world going on inside of you Right. This is only true essentially to the extent That I'm emotionally honest, right? If you're emotionally honest, then when something doesn't make sense Either you don't have the information you need or people are lying to you Doesn't seem to make sense a lot of the arguments don't hold up and so That may just be because many of crypto's biggest boosters are lying to you Hey, San Bankman free just got all sorts of positive press Why did he get positive press? because he was on the left and He presented himself as a person trying to do good things on the Democratic Party and so the left controls dominates the media So he got a ton of good press because he was aligned with the predominant values of The news media So If you looked at San Bankman freed and FD accent thought I don't understand how they're making money. This doesn't make sense Then that's because they were lying to you news media was lying to you So When I hear people tell me, oh, you know, I'm always honest. I'm always upright. I always do the right thing Those people are lying to me obviously, but most important of all they're lying to themselves and so Delight to yourself.  That's because people are lying to you if the Transsexual revolution does not seem to you like a good thing It's because the people who are telling you that it's a good thing are lying to you The World Cup is in Qatar That doesn't make sense That's because people are lying to you right Qatar only achieve the World Cup by bribing people all right So soon as announced that the World Cup would be played in Qatar You immediately started thinking of ten reasons why this is a really bad idea Those people who are telling you it was a good idea were lying to you FIFA was lying to you FIFA was essentially bought off FIFA is incredibly corrupt and That's also how the world works if there are decisions made in your business in your Line of work in your school and your immunity that don't make any sense That's because they're and you're emotionally honest It's because either there's information that you don't know or people are lying to you so Qatar getting the World Cup There's a great example of how much of the world works right by things going on behind the scenes secret deals scalduggery All right, all sorts of things Don't make sense that a bad Soccer in this instance Bad for fans bad for the world Why did this happen? Because a small number of people got bribed So a lot of things happen Because you've got a small number of people very well to Make things happen even if it's bad for the group All right, so the incentives for corporations only exactly the same the incentives for Eating individuals in a corporation the incentives for a group and not the same the individual incentives for people who dominate the group So when you ask who benefits Then that's a great way of opening up how the world works who benefits from this scam Who benefits from Qatar getting the World Cup? Obviously Qatar benefits but The people who made the decision got paid off But they benefited and everyone else gets screwed so there are all sorts of public issues where The general public good has no constituency such as free speech. It's not really much of a pre-speech coalition with a lot of funding so there are all these very Specialized well-funded groups have an interest in restricting speech such as the anti-definition league And they're funded and they're organized and they're highly competent and so The people who are opposing them are not nearly as well funded frequently not as competent and May not even be as strongly motivated So you've got a public good free speech But those people are lined out to protect the public good They don't have the funding they don't have the incentives they don't have the motivation and Very likely don't have the competency to pull things off