So that's great so welcome everyone I'd like to call the October 3rd meeting of the Town of Arlington Redevelopment Board to order. We'll start with a roll call for all of our board members and members of the Department of Planning and Community Development who are with us this evening starting with Kim Lau, Gene Benson, Steve Tentakalus and Steve Robilac. Good evening Madam Chair and I'm Rachel Zenberry and from the Department of Planning and Community Development we have Director Claire Ricker and Assistant Director back in your role from Acting Director Kelly Lineva. Thank you for all of your support in the interim and welcome Claire. We're thrilled to have you tonight for your first Redevelopment Board meeting. Thank you so much. Let's see so we will first let everybody joining us tonight know that this is being reported by ACMI and we'll move directly into our first agenda item which is the public hearing for docket number 371280 Broadway and I will turn it over to Claire as I understand that they have requested a continuance to a future date. Okay great so it looks like they've requested a continuance to Monday November 7th and my understanding is that they are looking to continue to refine their application together with the Department. That's correct. Okay great any questions from the board? Gene we're gonna get a new application so we don't have to read the current one. Okay any other questions on the board? Alright is there a motion to continue the the hearing for docket number 3712 to Monday November 7th 2022 as requested. So motion and second. Great we'll take a roll call vote starting with Kim. Yes. Gene. Yes. Melissa. Yeah. Steve. Yes. And I'm the yes as well. So we will hear docket 3712 on Monday November 7th. We'll now move to the second agenda item which is the affordable housing trust action plan and we have members of the affordable housing trust who are here with us this evening who will present the plan so thank you so much for joining us. We're thrilled to have you here. Great. How do you guys do this when you have slides? Well this is our first time. We're trying a new thing. Yes. Fabulous. So is that the same slide deck that we have it's a different slide deck. Then what was it? It's an abbreviated slide deck. Okay. Why don't we flip? We don't have. Alright. Let's do this. You're fine. This is much the best way for you to get into this conversation. Thank you so much for that. I'm going to go meetings with us fully in this work with us. Rachel thank you for facilitating our collaboration. I know these guys are catching up on the loop to some extent but we're going to go through the very high level to try to see the discussion. Great. I think I have an hour. I'm going to try to do this in 10 minutes. It's a lot of content so slow me down, speed me up, whatever. Sounds perfect. Thank you.  I want to specifically follow up, have a blind amount because I just did ordinary jumping in after Jenny left. Honestly, she's amazing. We have a lot of support from our colleagues and other bodies in town. It's rare we have a meeting with only one trustee here. We've had multiple trustee here. I think we're tired from our meetings. We have a meeting with affordable housing professionals that live in islands last week but it doesn't show up. We have robust capacity. This was our timeline. We did a lot of preparation in the spring. We did some of the engagement process. We started the survey which I recommend you take a look at. We have a lot in the process in the back of the plan. It has really interesting information about the support for affordable housing but also the support for additional housing which is related to a broader range of possibilities. We were particularly inclusive and I think Steve made a promise out of our meeting but we tried really hard to improve the people who might benefit from affordable housing and might not to be participate in the process. We found that to be the right thing to do, to be different, but what we did to require much deeper and more determined engagement and investment. We hope that we'll have partners that work with us in the future. And then in the beginning of September we published the draft plan that we're going to go through. We're going to see the commentary, the feedback form as well as emails to our email address. Thank you. And our goal is to get this plan to be selected for approval, hopefully with a lot of broad support from the community. We're revising it starting today. Our commentary just closed. The email address is still open. We'll take comments when they come in. But we're revising and expect to present it to the sub-board before the end of the month. There are three particular strategies we're going to go through but we also set some value principles for the action plan. There's eight of them and I don't want to spend too much time on them because most of them are non-controversial. One would probably pull out the most would be number two for the area, which is that for a lot of desire to help those with the greatest needs, which has been strongly carried over to the sort of perspective of the community, but also to advance solutions for a wide range of housing needs because there is pain all up and down the scale. The market as we know is driving a lot of street housing. There's a real strong desire. We heard almost across the board for income diversity, full range of income diversity. Our mission is only certain income levels. We'll talk about that if you'd like to. That is much more simply how we're targeting the neediest people. But I think that feedback suggests that the community is looking forward to talking about it. So this just summarizes the plan and I think they did the diagram. There are three strategies and each one has eight, five year goals. We really wanted to be very clear about what we're trying to accomplish, what we're trying to measure against, but everything that we're trying to do cannot be accomplishable. We have very little money at this point, but we have no profit. So influence is our greatest tool right now. We do have some resources there, some are available to us, and we're hopeless in this issue right now, but as you'll see, the third strategy is to build a financial circle and trust so that we can get on the basis of this one long-term strategy. I'm going to spend the most time with this board on creating more affordable housing, but I think it's most relevant for your career. The first strategy is about how we preserve and modernize our existing housing, which is important in a way that's relevant. Quickly though, we have about 1,200 units of affordable housing at various ages, some of them mean modernization and reinvestment, some are brand new, but we need to immediately build financial fiscal plans to be able to preserve them for our community. There's a lot of information in the plan about is that enough? Is it not enough? Why is it not enough? I'm not going to go into that today, but if you're interested in that, we'll talk about that. So it's really a planning strategy. We need to know what that housing looks like, what its physical needs will be, what use restrictions are on it, and when will they expire so that we can move them when they're expiring. We need to plan for their physical needs so they don't pop up and surprise us and lay claim to resources that we have a plan for. More importantly, if we plan for those needs, we can be proactive and identify third party resources because limiting our limited time resources is critical to them. So two different planning tasks. First, an inventory of the units that we have, that's what comprehensively we have, and kind of think that DPCD is hardly done with that. Second, it is how we study stuff. And this is made most relevant to your permit, which is identifying opportunities to modernize those properties before happening. And then the last piece of this during the package would be to create a proactive, affordable housing preservation plan for the time. Again, we have no power specifically to do any of this in the collaboration along the way in terms of this, which is why we have egotized that collaboration in the process. Strategy two is the one I'll spend most time on, and it starts with this fundamental... Can I ask you a question about the previous one? The preservation plan, does that include the Ellington Housing Authority as well as privately owned units? Yeah, thanks for asking that question. The housing we have, with all the requirements, and the majority of it is owned by the Housing Authority, and it is our intent that they would be included in that. If they are not, if they don't ever want to make a call on resources that they can be self-sustaining, then that's less problematic. I think that housing authority properties, particularly in the state, subsidized ones are a particularly challenging thing to take, particularly when you're from here. But with creativity, I think that we can help them work with capacity to actually leverage state resources in the background, and so on, and so on, which I'm able to talk about what might be possible. She's an Ireland's resident, so I volunteered her time to work with him. And one of the things we like to do is ask you what the requirements are for that to the housing authority. Thank you. The other two major owners just have had to fill this out, because of course that has a compression quality, and it would require 115 units. And then the owner of Filbert Village, which is a project-based section of public development that has got a number of board units. So the subsidy that we will put a number on it, which is a pair listening to speakers, no number, first of all, no one can give you a number that says this is how much across the society has affordable housing. There's just too many areas. But we did it anyway, because we showed people need to understand the matter. But it's all in the, you know, these actual teams to append this to a number that says this is for rental housing, but I'm sure it's not actually just talking to people. We're all familiar with the cost of housing in the town. So four to five hundred thousand dollars has just happened. There are a lot of local desire for this community, but it requires a decision. We monitorize the subsidy of four hundred and five hundred. So it's a lot. I agree with you. I think it's low. I think it's a great deal. But did you guys think of that in terms of units? The reason I say that is right now we have a community where it's six units and above you have to pay 15%. So that means the rest of that has to be of support when you develop it for the units. So I'm just saying, whether a study or something, I know what I used to develop, but it allows people to get back. Is it three units? Four units? Is it two units? You know, I know it's not one-to-one. It's not one-to-one. It seems like three-to-four. It's a great question. Imagine what your brain is going with it in terms of what more can you do for your brain. It's a really hard number to... I realize that. We probably shouldn't put it on the paper, but I just don't think the public understands that this is a math problem that doesn't work and we can't make this money magically appear. We don't want affordable housing. We need to get this money started. I think you should put it on there. It's really important that people realize what that is. It's not, oh, we want affordable housing. It happens. But it's much more than that. It has to do with making a project where people want a private sector to be inclusive of this, to do their part, not only just with the public sector or a non-profit. And also, this is the rental number on the home ownership side. It's actually bigger. Let me show you a little something about how it gets to the ego. These are just a few data points. In the first eight months of this year, the State Department has included about 435 million dollars to other communities and we didn't request it. It's not because the planning department isn't doing the job, it's because the only way to get the money is to have a deal, right? When you have department deals, you have to have developers willing to work here that create highly affordable housing. And we're not generally doing that here. The only force is the housing operation around it and they create about 150,000 factors. And so, we want to create it a higher level and have to make it as totally possible. And this is how we do it. These other communities are given a large sum of money from the State Department of Resources. And here's one where HCA did exactly that on the right, that's the recent project that was brought with us. These numbers are approximately changing during the last year, but the total budget for that project to build it is about 26 million dollars and of that, the time provided is just about a million dollars. For rest, 13% of that is serviced by a mortgage loan, right? That comes from a mortgage loan but rents are not that common to that project. And the rest is state-of-the-art subsidies. So that's what's possible if you design projects that meet that need. That's a good question about, again, what developers are who are seeking all that. Are those typically coming through CDCs or are they coming through private developers? What do we call all? More nonprofits than more nonprofits, but there are some of the most highest capacity developers for larger projects are more nonprofits. But there are also developers of color and emerging developers. There are small developers who are participating as a mentor and a program for developers of color that want to become affordable housing developers. So we want to keep the philosophy that there are more proper developers but each CA should be at the close onto our strategy. And bringing developers to partner with them that they can learn from if they need to, but also just you're participating, you're getting part of the developer fee, you're doing the local work. But you're bringing something that more has to do with project managers on staff that you need to deal with. And I also add, because I apply for actually some of this kind of stuff. They're looking for deals of about 30 units. They really don't want to consider anything much less than that, unless you have services or something special attached. I think I told you about the project that didn't hold that had some subsidy related to subsidy recovery or something like that. They're really looking for the number of units and the magic number is around 30 right now. One more. One more. How much smaller? I was looking at this earlier. You mentioned number 50. Yeah. And unfortunately colleges have that do that. So it's a challenge of us to somehow come up with something where we can get to that number and can get this money. And that's why there's a big zero there. Yeah. That's what? I don't know as long as there's small offers everywhere. And there's no way you can get to that. It's the same 35, okay? Yeah. 30. 24 is more but 35 is fine. But we don't have 35 unit projects. We got to work. And it's very hard to get those size projects.  And it's we need some sort of mass. We don't have that. It's very frustrating. We can't make that easy. But we do have some of our strategies obviously. But if you come up with the results of our survey.  It's a very local, like work that's opposed to anything that's right. Michelle. So on the DHCD award, is there more of a state strategy on how it's rolled out? Because my sense is that the geographic location probably affects that subsidy. That 400 to 500 is that specific to Arlington? Or is that average across the state? So I think further out, you're going to have a different cost basis. That is an average of 15 or so of these developments that Arkins did, she had a detailed information about them. There's a whole bunch of different variables including the ones that are part of the area. So for example, like the construction cost over here, where acquisition costs are higher. But a lot of them are pretty costive. There's a bunch of different factors. Those are not all, none of those are Arlington. But there are two sources of subsidy. That's one. This left side is a federal subsidy. That's pretty much the primary way to get them. There are few examples here and there where you can get creative. And then the second is to get developers to pick from. Everyone seems to want, except when there's an actual development that results in that, in which there's a lot of potential conversations that you guys hear. There's tools here familiar with them and these laws are not purchasing much affordable housing. Three to four minutes here over the last four years because of all the, I don't know what they're saying to you. Yes, four to those one. We do have about four of these that may change the outcomes we're getting from these. It's not so, it's 35 units and one deeply affordable development, which is pretty much what we got in Daven Square. 1365 and 1633. It's a lot more than 65. It's a lot more than 65. It also has 30 units of free, unsubsubsubsub. If the subsidy is a primary challenge, this is a very real way to tackle it. That is true for homeownership as well. That's better. We're in type 40B and we have one post now that would be, I think that's a pretty good one. There's 30 affordable homeownerships and I'm going to tell you that I don't want these subsidies on the left. They do not subsidize homeownership. They move each subsidy from homeownership and take a little of the targeting and use of color. Most states have supported that. Now there's a tiny possibility that it's worth it. So getting developers to pay for affordable homeownership is kind of our only path. We talked to six, seven, eight that we put out. And then last week we met with another 12 affordable professionals that just underscored the same thing from all of them. We're going to speak to our needs to develop a highly affordable housing and its permits. Some funding, the state will offer local commitments. That's a very high amount of money. Four percent of the budget is a good amount. And we'll look at it in a very long way. And then on a clear indication of the community that we're all going to actually work with them. So we've been all of this collaboration and the public engagement is hard to put ourselves in a position to say what we want. Such as it is will come. So these are the actions that we laid out and did to add public and private services for the construction acquisition and conversion. Our consultant should say to the public that what are the potential sites? What are the strategies? How might we do this? We have not laid any sites out. We don't have a specific strategy. We hired somebody to go to a good site where we said there's a series of categories of sites that are promising. They don't be at such a fast pace. We'll look up on that site. We'll look up which will place the working but also housing on the sites looking at industrial and hardware peace development ways to do that as strategies. Number two, predictable programming. This is what I hope we're going to be talking about. What is that one option. The beverage and summerville is something we'll talk conversation about. How would we do it? way to put the law on the out for a particular type of high-deficient housing as a high-deficient percentage of the future. Obviously, the MTA is always coming our way. That cannot have affordability written into it for the right reasons, but we're hopeful that hasn't come into the right other tools and ways that we can come into it. How are we going to afford the developer's TTA to do that? And there may be other ways. But funding would like to put some funds out that incentivize people to do certain things. So, for example, some funding that would fund the creation of affordable accessory components, helping to create the remaining flexibility for that. While we have a couple that are starting to come through the system, which is exciting, we would like to issue a request for qualifications to developers that puts that up and says, hey, we'd like to work with us. Here's what we're trying to do. Here's what we put up on the table. Here's our priorities. What we can see the options. And then, last, just to clarify, that makes a different position as a candidate in our department. How do we get comfortable with a 100-year-old? So, to set this goal, we're going to create a permanent 100, at least 100 affordable homes. This is one pathway to get there. It's why I said I'd like 35-init pin. It's the first 35 units that come from one deeply affordable developer that HDA develops. You can at least, if you'd be about to take a property under the contract, that might actually do this. Another one from another developer of partnership between HDA and HDA that has a property. They want to get it to our business. 15 units from the trust funding programs that I just talked about on the left. Those are going to have less public subspecies. They don't fit into those subsidy boxes at least, so that's why there's fewer. Then the last would be additional units that we might negotiate probably provide funding for from developers that are already building at their 40-day fusionary facility, but added another 5 units. Or, that would get us to 100. We all went into this one at a higher level by now. But we looked at reality in fact that we looked over the last 35 years our average affordable housing ratio. This is three times that. It's realistic. I think it's achievable. And obviously we will best off a lot of other people to do a lot of things. We'd love to meet it in three years, but it's not just pre-eight, but it's permanent because by definition it takes years to write questions. You've been asking for feedback about whether this is too aggressive or not aggressive enough. We've got a lot of pushback, but discussion from the affordable housing professionals about the title of the challenge is we can hand the need to retain parts of the law and constrain ourselves too much. This is not a really funny one back then. It's a way that's moving forward. We have to go outside of the law. We always ask good questions about the RFQ for developers. Is that anticipated to be through the HCA, through the trust, in partnership with the ACA, kind of pushing them to form new relationships? What's the thought on the ownership of the RFQ and how you see that? I honestly haven't thought about that question. I love the idea of having it be a content partner. Maybe not, but you know, be great to it. Great question. Strategy 3. I'm curious what the thinking is in regard to just the current market in regards to the goals you guys talked about with interest rates and slow down production. It definitely is going to make it harder. It'll take that subsidy number up. It's been going on a lot of supply issues. You see that, but it's not happening. So it could potentially stretch this, but the other thing is that there are a lot of resources at the same level right now. Federal and state recovery dollars are coming in, so the same way that we have a little bit of a window of resources that can help us with this plan, but it'll give us a year or two of the best move. That's how it works. There's a little offset, but all those things will make it. Don't think the funds here really affect our moving tickets. So finally, you know, for us to realize that this should be the sustainable source of funding, what we currently, the total pool available for board will pass in this time. And it's not accurate to our long term. One, we're looking for a real estate transfer fee that if not moved to the legislative session, which is closing in this year, it seems like it's very unlikely that it will pass. So that would be reintroduced in the next two-year session. So we're roughly saying let's try to get that passed for this legislative session. At the end of that session, it has to pass. We are one about over a hundred years old housing trust funds, and no community has this yet, because of the legislative changes. There are other ways. This is a product for us. This doesn't have universal support, hopefully. It hasn't been clearly defined yet for the voters, but it had about 60% positive in the survey, which I thought was actually pretty good at a time when we have it in time. We've had local conversations about short-term rental fees and kind of a sales tax fee and potential rental resources for more housing. We'd like to see those rental streams go down. They're not expected to be substantial in this point. I don't know what you can... I know less of our families who like to go to the packet or want to explore whether there are ways to increase. It's probably changed my interest in the product plan, but the scenarios are the same. It's not, basically, that we need to move rather than the voters who vote for the units, but where they don't, they have the option to do payments. Some of that is not entirely possible. But there may be. We're going to fully explore whether there's any way to impose any kind of fees or linkage fees on developers who are living in large-scale families and shooting games in town. There are a lot of big limitations on that. It's super optimistic, but we'd like to see that. And then, you know, the various type of bodies that make investments in global housing and we're going to try to figure out what the process of the panel works together. And we want to explore private-giving strategy. This is very clear. We want to introduce our many, many HDAs in private-giving. If you use anyone, this might have a totally different focus. Sorry. We've gotten some creative ideas from you. So that is the perfect question. I appreciate that. This has been a conversation. Great. I'd like to suggest we pop around back so we can look at ACMI and follow this meeting. We will have a discussion about how we can approach this room. If you use the screen, you can use your screen. Do you have any questions to direct towards you? That would be the easiest. So I think what I'd like to do is just run through the members of the board to see if there are any comments or questions for Karen, starting with Kay. That's a great couple of small questions. You guys look at... One of the things I have is we do inclusionary, and you raise the number so high in order to make that work, the other costs of the other units go much higher. So you're sort of losing that diversity that we're trying to get. So whatever you're building now is really, really expensive units and really, really affordable units and nothing in the middle. I'm not saying that's going to happen everywhere, but I'm saying you could get out of that way and you could go down unintentionally. So I think that's something you sort of mentioned to look at mine a little bit. It's about, I'm not sure what it is but I'm just saying let's look and follow that a little bit. I think the trust would be that there's a need to look at our inclusionary zoning to follow up and figure out how we get the production out of it. What kind of production do we have? I think that's an insightful comment about the cost of the market units to cover the cost of the four units. We also can grow so high that it would be important to have the production up and we should ease it. I believe what we said in the report is that we feel we should look at how to get more of that new virus, a pretty careful study of the market, of the feasibility of various new products. No, no, I think it's something we should look into. And then, the other thing is you guys should look at the land, you know, and say there's not much of it, because there are big, small people. Here's one parcel that people haven't really paid that much attention to. To me, it's gas stations. Right? With the transfer of electric vehicles, that's only a growing market and everybody's pushing for that. There's going to be less and less gas station requirements. So that is a sort of unfound What's that increased kind of suggestion? Land source or zoning source, because right now the gas stations are rezoned in a certain way. Can't put housing there. Is there a way for us to maybe look at that? And say, and there's, I know there's a lot of funding. There's most gas stations at 30 sites. But I believe there's funding where the attachable, the attachable gas bring out, part of that goes into the gas stations. So if we can sort of work all back and talk about that, I see that sort of a frontier that's really sort of reached yet. We should get back to our consultant to take a look at it and think about putting a plan as one of the options to explore. Because a lot of the specific exponential happenings are adopted. I was just thinking, those developers you talked about that about, or any of you self-discussed about that? I haven't heard it. What do you have to say? I've seen it or heard it. I think one of the things I heard from developers was like, it's not that we don't have land, it's just that what the potential for redevelopment of that land is in terms of zoning is maybe not enough to incentivize the change as it's rid of more important laws. No, I try to open down on that side. I've seen these gas issues with parking lots and everything else. And I know a four-storey building there. You should have 35 and 3032. Somewhere right over there. It's right there on the market. Yeah. It's about on the list of the seven stores. So, you might be.  I forgot what that thing was. I agree. It's a wonderful plan and I think there's a big process to put it together to get to where it is. I think it's something that's sorely needed. One of the things, and I forgot if I mentioned it at the second meeting when we had a tree, one of the things that I think would help is if planning and community development as a staff person for political housing development the same way there's a person because it's not really owned by anyone if they have some classroom folks or volunteers and they do great work. So, that was one of my thoughts that one of the ways the town would activate a lot of these strategies is with somebody who's dedicated to make just these sorts of things happen. So, second comment and I also mentioned this one time that I think there's a real balance between our real need to get more affordable housing in town and to retain something that would be commercial and industrial parts of the town because we have very little of those and there's some conflict between those that 1165 on the MSL is an example of that great 40D project in terms of what it's going to produce but it's taking out of the market a piece of industrial which is something that's and I'm not sure how the town is balancing other than to the extent that we can do things in zoning so that those parcels in the commercial and industrial zones don't become real new together. I think that in some ways make it less likely that people will do things in commercial zones but I think it's something that we talk about as a board from time to time that there's an obligation to get more commercial and industrial development also. This is all about affordable housing when it comes to us we have to think about the balance between the two so whether it's affordable housing overlay or other things we do have to so my thought was not the gas stations my thought is the Russell Common helping and we got that inserted into the housing production plan so that we could do something and I think we have to figure out how we're going to do something with a big space how we're going to do with retaining the parking some commercial and lots of residential so we need to do the zone but you know I think that's a big possibility I should just mention when there was the survey for the housing production plan you got to say where do we think we could put some affordable housing in town well some of it was really like crazy parks I also think somebody might have done that just to like push some buttons push some buttons but I actually put it in a couple of places where it's now being developed for businesses all together so I don't think we will look back at those and seeing if we can at least free them in place you did think those into the set of sites that you don't see that list of programs whatever comes next so one of the things you said which I didn't think for a long time is how can we get the developers of the single family homes to kick in to the affordable housing trust fund and I spoke to this very knowledgeable lawyer who you know too and I said couldn't we do something that says if you're building something larger than a starter you need to pay in to the affordable housing trust fund and I was told we really can't do it from the state so it sort of seems to me if that's true we should think about not only a home rule on real estate transfer but a home rule to allow us to do that when they're larger than starter size homes and see if we can sort of get some traction just to start consulting to look at that we just have a linkage home rule petition and I said to the consultants about how to do this I think we need to look at that as a way to get some funding and just to add on to that Jean that was also something that we started to ideate a little bit around when we talked about potential single family and multi family convergence and whether or not there was a linkage potential there as well we'll figure out how to go down that as deep as we can possibly it was easier fair fair and the hundred units I have no idea if that's a stretch or a realistic way I'd say the time was that's where we ended up great thank you Jean I love that do you have any questions or comments I was getting clarification again can you be reminded about the transfer the real estate transit reciprocated just for clarification if you like this on point the real estate transfer fee would apply to transfers of real estate there would be a minimum purchase price and wouldn't apply below that we didn't set what that would be specifically we said it would not be above the state-wide and the percentage of your purchase price that would go into the trust as a result of the fee also wasn't separate would be between half a percent and two percent so by way of comparison the state of Boston has a homework position that doesn't begin until you get to $200 it would be very different and I think it's two percent and it would double the amount of affordable housing and the funds they have to deploy which is a lot there are 11 10 or 11 communities that have homework positions and there is state-wide legislation to essentially enable communities to do this without a homework position they are proposed by the community so when this was proposed in time here it was proposed by our local government so one of the personal tasks is to plan paths to go and start talking to the real estate professionals and the community about the fact that what we have is not working together so that's what it would do if it's not a tax that has to be paid on an inward basis it only burdens a whole lot of the rest of it which is part of what I think is kind of feeling about it it's not imposing a burden I'll be the person who's having to pay for real estate taxes until it's like a almost every homeowner around it's a very short-term one so it feels like to some this is the info you're receiving but as far as it is it's very important for the community's quality of retirement but even a little bit of that and who's championing that now at the state level our delegation our representative is Cindy Friedman or anything like that Cindy Friedman and Sean Charlie and Dave Rogers they've all partnered to introduce it and they set it up in the house and there is a statewide coalition advocating for this I'm just going to look it up I care as much as I would I don't have a low-end option for housing for people when it's out of it it's pushing for the state life I guess the last question I was curious more at least on the presentation there was more reference to 40B which I feel is kind of more reactive versus a 40R trying to set the tone and I didn't know in your conversations with the consultants if that's been more looked at as a tool Too much of a dive on 40R but I don't know whether either of you is in a position to talk about it I was at a part I can speak to my experience with 40R we had working in gateway cities of course we did a lot of work to set the table before our developer even comes by so we did a smart growth district which is kind of a short pan for 40R basically once once a city figures out what it does for a city what it does for every community and when I left the city it was $3,000 per unit so we did a 118-meter project and the city was reimbursed on $400,000 for simply permitting permitting the project it also goes hand in hand with a program called 4ES which does direct subsidy related to schools construction of units with more than one bedroom housing developments and things like that cash bonus back to schools related to the impact of any additional kids in the school system there is a lot of care up there for residential development and this is a huge one obviously it can help self-development whatever and certainly offsets any impact related to schools but it's very very effective and it certainly gets different contents I think the policy makers are far more interested in a larger development sorry it is something we could also consider that we can meet the requirements of MTA communities it was large enough and had a capacity for enough so it's like another alternative to meetings it seems to me that if you have a place with your consultant on that piece if you've selected sites because if what you're seeing with regard to the constituency at large is in favor of what you're doing not only there's a small minority of people then you're going to have more success kind of being more proactive in setting the table in these places everything to all the other parts of this thank you for that suggestion it's as appropriate to talk about this we've all collaborated with this plan it's too well let's just follow up on that I do know of one case where we did proactive meetings for the week now in corporation Marlin we did listen we asked for a way for market requirements and that's one of the things to help as far as the plan goes I felt it was comprehensive and realistic there was a very nuts and bolts nature to it this is how you would actually go about doing such a thing it was concrete I like that I appreciated the concrete role of the new incident in five years I think this is achievable the first year that Cambridge is affordable housing overlay was in effect they permitted 250 new affordable units for that program so doing granted Arlington is a different community but I think we can do 105 years regarding the map and the tension between commercial development one of the reasons we have such a small amount of land zone commercial is because back in the 70's this board proposed a new map in which how media adopted effectively eliminated a lot of what were commercial districts at the time there's I think what we do with the commercial districts is going to be but I don't think it's I don't think we should really we need to be constrained by what's on the map now you know expanding that would be it could be beneficial but it's a it's a whole orthogonal combination and yeah thank you for the presentation thank you I just have one question for you and it's something that I'm sure there was a lot of discussion around the last part of the plan was about establishing sustainable funding sources and I just wanted to get your take went through them and talked about how challenging some of those would be and also that there are other housing trusts in similar communities which are well funded but I may have misheard you which are funded I don't know what well funded means so yeah I just you know without the home role petition that we've identified I don't know how long-term sustainable some of those potential options are and I'm just wondering if you could shed some more light on some of that conversation I think it's an important one for this group to do excellent work that's been set out and you know I think your suggestion about having you know a staff member potentially also dedicated to this and the other scene I'm sorry I attributed it to my wrong person I'm sure we're all thinking about this it's just to me that's a huge item to solve and I'm just curious about what some of the discussion on that was it's interesting there wasn't a ton of discussion about the funding part probably because we went for all the other stuff first but I would say there's a few things that have been suggested about that one time meeting member has previously suggested that we actually seek an increase in the CBA percentage that we are imposing to increase the amount of CBA that was coming in but to be a mark we're setting for the housing there are communities that issue bonds to fund a board of housing there are other strategies out there that are still covered this morning that sort of vary in some ways like what are the resources of our community so the obvious ones we put on the change I think we have to get creative whether that's the conversation with a select board or you know whoever that winds up being I think I think it's really important to the free development board right that this group is really it's really important to find funding sources for this group because it's a support board that needs to be done we figured we would make a stop for the next few years soon we talked about so we didn't need to bring them into our housing safe hold but that we do need to go and stop them with the support that we have to this challenge we may be asking this board for letter of support with CBA funding for the next fiscal year continue to try to rely on these resources any other questions no I wasn't really an idea or a question I was just saying I want to congratulate you guys on this same not only wanting to forward the housing but actually putting down kind of three steps and how to do it on different steps where everybody else we've got to focus on forward the housing and help give them the answers I think you guys did a great job doing that and I'm not saying you have all the answers but it's a great step and which way to look at everybody else and that's a lot better than what some other people have done saying but it's they've come all those people that come into this conversation I feel and have better said ideas and cooperating that's good but now we have that and I was amazed at how many people want that did the survey look at a survey wow that's we saw the survey so congratulations thank you so much I really appreciate you taking the time to be with us today great thank you alright so that closes agenda item number two we'll now move to agenda item number three the ARB rules and regulations and probably I believe that you have a draft of changes that have been proposed to the rules and regulations which catches us up and several items which we discussed following annual town meeting special town meeting so would you or Claire what to take us through just stand up here okay great that would be great we have them all on our screen yeah so the draft that you know before you reflect some of the changes that were brought during the ARB's retreat the changes really don't start until age 7 of the draft so just to highlight the addition of potentially requiring an applicant to provide a sketch of compatible model as an alternative to a physical model to add to the future sketch of the good model of the town we also talked about requiring solar energy systems assessment is maybe something that needs to wait because their attorney general is delaying that amendment to the bylaw so it's something that could either be discussed later or we could bring that after December after the attorney general makes the decision and then going on to age 12 just adding in family child care as a use that is eligible for review under religious and educational abuses but the changes that were made during special time those are all on page 22 so there's just a few changes there great thank you Kelly we'll start with Canary I think you had some suggested language modification for the sketch up model requirement yeah on rule 14 number two we'll leave that to Gene to Wood Smith for me let me try this so the sentence would say the board may require an applicant to submit a physical model and you are a digital sketch up I just want to say that if they submit the sketch up model that we would have the ability to use it in our reading yeah and I'm okay with it I just change the word from request to be required I think we need to change the word did you get that and then I would agree with you guys on part of the solar energy system we just table that number eight just till I agree with it but we just table that till you know the same way bylaw is modeled significantly on the water town one this is taking life from the water town so you did some flight well the thing is water town is the city of the town of water town so they didn't need the approval of the AG so I don't know why the AG is holding it up so Attorney General doesn't review changes to zoning in cities they only review changes to zoning in towns so they aren't looking into other zoning bylaw because zoning ordinances from cities when they're looking to a food reactor I'm hoping to discuss this not changing it if they are but something different we'll just spend a little more time with it and we'll later once we can say okay so that's all it is this is not the type of term right after we've do you have any suggestions for changes? okay what was that? see any additional? I do have a question for the changes in rule 19A where we're so we're changing it to reasonable regulation of religious non-profit educational family child care and child care facilities I thought the wording was a little strange but it going into different parts of 40A it looks like family child care and child care are actually two defined different things is that correct? yes there are two definitions and it's not a bylaw nothing further on that is this responsive to the AG's whatever which said it's okay but you might want to edit the bylaw or whatever we didn't modify the amendment in our bylaw and whether this is consistent with the terminology so the attorney general's letter was really just about the difference between a large family child care and we don't really draw a distinction in it so it was really just trying to clarify that I don't think it's necessary to clarify the types of family child care that we see so we will not need to take a vote tonight because we'll need to move this public hearing correct? yes okay so just to summarize we will make that change to remove the references to the solar energy system section until that's been approved by the attorney general and then we will make those small words but they changes to number 200 rule 14 yes okay yes of course we did this in the past when you amended your rules and regulations so we do a legal notice and then do we keep the track changes in for that public hearing? I believe that we have in the past so it's just easy for people to see what the track changes are and then we'll just we'll hear public comment we'll vote and the mail so that's my ending if it's okay with the vote we could get this that's good perfect thank you alright let's see so let's now move to agenda item number four which is the 2023 schedule leading to 2023 annual town meeting and Claire or Kelly I'm not sure which one sorry jump on back up there please and thank you and so this follows if we I really appreciate that you put this together I believe last year was the first year that we use this and I think it was really helpful for the many people who came to us and actually worked with us prior to submitting their warrant articles for for town meeting there were several who took advantage of meeting with us for feedback so I appreciate that we have this again if there's anything in here that differs perhaps from the way that we approach this it would be great Kelly if you find out anything that you want to call our attention to I will I can get attached to Nina okay sure absolutely I mean just the only thing I really added was I think in the last version we had sent out last year we didn't have those periods in October and November yet great thank you we didn't have this session in here for October and November on the submission of ideas for zoning mentions that was something that we were going to call to the public board but otherwise the only things that are different here are the dates yep because it reflects 2023 sure and then those potential dates for air becoming meetings and that really is going to depend on the number of zoning amendments that are closed so those really are just the Mondays in March and April kind of leading up to the report to town meeting sounds good I'll see if there's any questions or comments on the board starting with Ken no I like to get up again unusual it's the linear thing that's good Gene I agree I think it's really good I think if you vote it you should get it up on the website great well is that Steve I think it looks good okay is there a motion to approve the redevelopment board review process and schedule for 2023 annual town meeting so much second the vote starting with Ken yes Gene yes Lisa yes Steve yes I mean yes as well thank you so much yeah it would be great if we could get that posted I think that would be great for people that could schedule this up and if they want to schedule a preliminary hearing with the board sounds great thank you so much okay that takes care of agenda item number four agenda item number five is meeting minutes so Kelly okay fabulous and I know I believe Steve you sent comments earlier I'm not sure if those are in I don't think those are in track changes so you may want to just run through those for us Steve if you could and then we'll run through and see if there are any other changes so so there are I had proposed six changes number one is on H1 in the second paragraph in the last sentence I suggested changing local requirements for multi-coms cannot be different to local requirements for the energy efficiency of multi-coms cannot be different okay okay so H1 paragraph three third and fourth sentences this one is a proposal to change the word policy to requirements so that the end of the third beginning of the fourth sentence reads if Arlington meets the stated housing requirements by January 24 2024 to meet the housing requirements 10% of housing and so on can I suggest guidance rather than was that technically what it is guidance it is for both they should be okay okay so page two paragraph number two second sentence currently it's considered changing the second sentence to strategy number two of the housing production plan is to achieve compliance with this so changing is compliant to to achieve compliance yep next page two paragraph two third sentence consider rewarding as Mr. Rebelak said that he would not like to treat this as a top level goal in itself yep page three first paragraph consider rewarding as Mr. Rebelak suggested including the stormwater management requirements in the industrial zone and identify which level of storm event to use in the regulations yep and then finally page three paragraph second sentence consider ending it easier to get funding for a project that is allowed by right adding the word of life that's all I have great thank you Steve Melissa any conditions or corrections nope Dean nope is there a motion to approve the Monday September 12th meeting minutes as amended so motion take a vote starting with yes yes yes so the September 12th meeting minutes have been approved as amended yes yes yes yes oh thank you I missed that let's go back to agenda item number four please yes yeah that's probably not you're right so we'll retake okay let's retake the vote then we'll go back to agenda item number four and and Melissa will just abstain yes yes yes yes I'm staying there we go fabulous thank you very much okay so let's talk about the meeting the 2023 meeting calendar agenda item number four it's part two so we've already approved the actual yep but we will this is a meeting yes um I think let's do that because I think we typically do that we we try and lay out yeah everything from January through June is a separate calendar and I think that would probably be easier than trying to do it in this format that's okay no no worries okay anything else on agenda items one three four five just on yep on the schedule what we need to talk about our own schedule yes for hearings well also for the articles that we want to put in there to change yep yes great right but a schedule for when we're going to the same way there's a schedule for the courses yes I think we should tie that into the 17 right yeah yeah we can do that on the 17 okay so now let's move to agenda item number six which is open public forum so nope okay head shake from our from our attendee this evening so at this point we'll close open forum yes let's go to new business so actually Kelly I think that's something I'd like to add after public forum in the future is a new business section we've been needing to do that recently great thank you so let's go ahead so I recently discovered that Winchester is having a special town meeting in November where they will vote on April so the planning board in Winchester is working on getting a putting together a public forum with people who've done ADD stuff to give a talk and give little talks and answer questions from residents somehow they got a hold of my name so I will likely be participating in their ADD panel that's great I think there are a lot of communities looking at that I know that actually because at Wakefield it's also looking at that's great fantastic any other new business all right seeing none is there a motion to adjourn so a motion I'll second take a vote, can? yes Dean? yes Steve? yes meeting is adjourned


Hi everybody and welcome to today's Barns Takeout. My name is Amy Gillette. I'm a collections researcher. Today we're going to head into room number 16 of the Barnes Foundation and it's a good thing that we're doing this digitally today because we're going to be looking at a very small image in the very edge of the display over here. Here we go. And of course we'll zoom in into the individual picture in just a second but it is a scene from a late medieval manuscript made about the year 1480 by the French royal court painter Jean Bordecau. And before we zoom in I'd like to note that it comes from the same manuscript a book of hours as its neighbor over here as well as we're going to zoom across the rest of the room as well as this scene over here of the assumption of the Virgin Mary into heaven. And on this east wall of room number 16 it is grouped together with a whole bunch of things perhaps maybe especially this 20th century painting by American artist Charles Prendergast as an anchor of things ancient medieval modern not all seem to share a pretty similar formal vocabulary. So let's go on closer to our own particular image. Here we are. So again it is from a late medieval book of hours painted about 1480 by the court painter Jean Bordecau who worked in tour and he was a student of the workshop of the very famous painter also very famous painter Jean Fouquet. Let me show you a picture by Fouquet. This is here we go. Perhaps the strangest and completely magnificent marvelous image of the virgin and child. This is now an antwerp surrounded by these incredibly vibrant seraphim and cherubim that I guess look more or less to me like the balloon animals. I think just a limpid drool like rich details. So this is the workshop out of which he's coming. Let's go back. And the text was written by a scribe in Paris and it also actually seems like the ornament was made also in Paris by a third hand. So what probably was happening was the text was written out in Paris. The ornament added and then the whole was shipped off to tour for Bordecau to paint it and it is from a book of hours which is a prayer book for the lady modeled after the divine office that monks would celebrate and so images would go along with prayers that people would say at set hours through the day. Let's zoom on in the text for a second what you may be able to see to an extent here in this kind of reddish-purplish color says that you should pray it at the ninth hour and then in Latin the text essentially asks God for several times to lend some aid. And finally the scene that we're looking at is the presentation of the Christ child in the temple of Jerusalem on the 40th day after his birth by the Virgin Mary and his adoptive father Joseph over here who's holding a very big candle. And so this is an episode in the Gospel of Luke and what it says essentially is that the Virgin Mary is obeying Jewish laws where 40 days after birth when she's considered pure she goes into the temple for a purification right and also is supposed to dedicate the firstborn son to God. So that is what she's doing presenting him on an altar as if to God. And it's also prescribed that the new parents would bring a sacrifice of turtle doves in a basket so we see this lady over here holding the basket with doves. And also the Gospel of Luke tells that when the Virgin Mary and Joseph brought the Christ child to the temple the Holy Spirit led this old man Simeon who here appears in the guise of a priest in the temple where the monk back here is even seeming to hold his bishop's mitre recognizes him as the son of God as does actually this woman the one who's holding the basket an old prophetess named Anna who's been waiting something like 80 years in order to be able to see the son of God presented in the temple. And so on one level we see this image here presenting the historical Gospel on the account of the presentation but as you're able to see it's not really taking place in Jerusalem so much as in the space of a church although to be fair in order to kind of make it look ancient it seems that perhaps Bordecaum has made the interior look a bit like the ancient Pantheon in Rome which was by this time a church dedicated to Mary but kind of shows for the French interest in the Italian Renaissance interest in the classical world. But that aside we do have an altar draped with cloth that probably likewise was made in Italy as you'd see often in those days. We have Simeon looking like a priest or a bishop and then again we've got these monks in the background who certainly don't show up in the Gospel account do they but seem perhaps along with the lay person saying these prayers to be celebrating the liturgy in their own kind of realm and we certainly can't read the little book that they've got but perhaps it's got text that mirrors the text below this image and then likewise again we see Joseph here with his big old candle paper. Candlemas the presentation in the liturgical calendar was celebrated as candlemas you'd get your candles blessed for the year and it was a way of celebrating Christ bringing light back into the world and sometimes even this liturgical event would get folded into the blessing of the throats with candles because it's very close to the feast today of Saint Blaise who's a patron of throats. So we have this beautiful scene that's kind of has one foot in the Gospel history another foot in the liturgy both as it's practiced in church or you as a lay person might be in your own home or might be carrying this to church going through the devotion saying the prayers yourself occupying a kind of slice of liturgical time or ritual time and the images themselves are supposed to be a kind of like springboard or incitement into a sort of third layer of time which is mystical not in gospel history not in the liturgical present but celebrating the eternal liturgy in heaven and kind of full immersion with the divine and with that said I'd kind of like to take a sec to think about this beautiful and I think we can even say enchanting marginal ornament that surrounds our picture we've got these finds these tendrils with these gold leaves and buds flowers of different sorts red and blue we've got this I think not terribly intimidating man with the dragon's body a very cute endearing deer down here with bat's wings some of it some of these flowers are occupying these like lozens or triangle shapes others it's just sort of free flowing around in the space and medieval scholars of medieval art have proposed a number of ways to think about marginalia or decoration in the margins in medieval art but there's one scholar who's writing in the year 1942 named Henri Fouquillon that I think had a particularly lovely take on it and so I'm going to read you an excerpt of what he wrote just because I think it's such beautiful writing and so he Fouquillon said that ornament has its own existence um so it's not necessarily marginal to the main event and shapes its own environment to which it imparts a form it will follow the metamorphoses of this form if we'll study not merely its axes and armature but everything else that it may include in its particular framework then we'll see before us an entire universe partitioned off into an infinite infinite variety of blocks of space and the background will sometimes remain generously visible an ornament will be disposed in straight rows or quinquanxes sometimes however the ornament will multiply to prolixity and wholly devour the background in other words what I may call the system of the series a system composed of discontinuous elements sharply outlined strongly rhythmical and defining a stable and symmetrical space that protects them against unforeseen accidents of metamorphosis eventually becomes the system of the labyrinth which by means of mobile sympathies stretches itself out in a realm of glittering movement and color and so I love the thought that ornament itself has its own raison d'etre and defines its own realm that for you as a medieval viewer might be a place in which you can lose yourself in these prayers and really interface more with um with the mystical realm and so we've got a manuscript that kind of posits and divides up slices of time and space and I suppose I'll let you think what that means for you as a viewer to see this now on display in a room in a museum and also filtered into your own screen and so that is it for today's takeout and thank you so much for watching I'm Tom Collins new Bauer family executive director of the Barnes Foundation I hope you enjoyed Barnes takeout subscribe and make sure your post notifications are on to get daily servings of art thanks for watching and for your support of the Barnes Foundation


Hello friends I am Purva and today we will discuss the following question. Find a vector in the direction of vector phi by cap minus j cap plus 2 k cap which has magnitude 8 units. Let us now begin with the solution. Now let us denote phi by cap minus j cap plus 2 k cap by vector a. So we have vector a is equal to phi by cap minus j cap plus 2 k cap. Therefore we have mod of vector a is equal to under root of 5 square plus minus 1 square plus 2 square and this is equal to under root of 25 plus 1 plus 4 and this is equal to root 30. Therefore we have got mod of vector a is equal to root 30. Now the vector with magnitude 8 is vector b is equal to a cap into mod 8 where we have a cap is equal to vector a upon mod of vector a and we mark this as equation 1. Now first we will find a cap. So we have a cap is equal to vector a upon mod of vector a and this is equal to now vector a is equal to 5 i cap minus j cap plus 2 k cap upon mod of vector a is equal to root 30. So we have root 30 and this is equal to 5 upon root 30 i cap minus 1 upon root 30 j cap plus 2 upon root 30 k cap. So we have got a cap is equal to this. Now from equation 1 we have vector b is equal to a cap into mod 8 and we have this is equal to now a cap is equal to 5 upon root 30 i cap minus 1 upon root 30 j cap plus 2 upon root 30 k cap into 8 this is equal to now 5 into 8 is 40. So we have 40 upon root 30 i cap minus 1 into 8 is 8. So 8 upon root 30 j cap plus 2 into 8 is 16. So 16 upon root 30 k cap. Hence a vector in the direction of vector 5 i cap minus j cap plus 2 k cap which has magnitude 8 units is 40 upon root 30 i cap minus 8 upon root 30 j cap plus 16 upon root 30 k cap. This is our answer. Hope you have understood the solution. Bye and take care.


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Building a Reference List with APA Seventh You've done the research, and now you have a lot of high-quality articles, books, and websites to put on your reference list. Now where to begin? We all know reference lists are fussy and take time, but they are very important because they list all the sources you used when writing your paper. A reference list is sometimes called a bibliography, and each item in the list is called a citation. Here are some tips to help you do a great reference list. Use a guide. A citation guide is a set of rules outlining how to properly cite sources in academic writing, offering specific formats for various source types. It ensures consistency and accuracy in citation. You can access a free online APA guide by going to the Citation and Research Hub on the Learning Portal to find links to your college's citation guides. Whenever you're unsure of what to do, you can always refer to your citation guide. Reflect your sources in two places. If something is on your reference list, it should also appear somewhere earlier in your assignment as an in-text citation. An in-text citation is the original author's name in parentheses, usually following a quote, fact, or idea, italics, punctuation, and capitalization. In an APA reference list, the formatting will include a variety of punctuation, quotation marks, and italics. There are specific rules about what does and doesn't get italicized or enclosed in quotations, as well as where all the punctuation goes. This all depends on the type of source you are citing. For example, if you are citing a journal article, only the title of the journal itself will be italicized. Everything else, including the title of the article, will be normal. For a website, the title of the page you are citing is italicized, but the title of the website itself is not. Periods usually denote the end of a section of information, while a comment denotes more information about one piece of information. APA style uses two types of capitalization structures, title case and sentence case. In reference list entries, sentence case is used. In sentence case, capitalize only the first word of the title, proper noun, and words following a colon or m-dash. Title case is used in the body of your paper. In title case, major words are capitalized, and most minor words are lowercase. APA reference list formatting has a lot of detailed differences, depending on the type of source you are citing, where you retrieve the source, and the information you are able to find. Because it can be so particular, it is always important to consult a citation guide. Author slash Authors For a single author, list the last name first, followed by a comma, then the first initial and middle initial if available. For two authors, list by their last names and initials. Separate author names with a comma. Use the ampersand instead of an and. Provide surnames and initials in this way for up to and including 20 authors. When there are two to 20 authors, use an ampersand before the final author's name. When there are 21 or more authors, include the first 19 names, insert an ellipse, but no ampersand, and then add the final author's name. Group authors can include corporations, government agencies, organizations, etc. Here, you can treat the publishing organization the same way you treat the author's name and format the rest of the citation as normal. Be sure to give the full name of the group author in your reference list, although abbreviations may be used in your text. For example, you'd use the Center for Addiction and Mental Health as the author instead of C-A-M-H. When the work does not have an author, move the title of the work to the beginning of the reference and follow with the date of publication. Identifier For online sources, you should include a location to show readers where you found the source. Many scholarly databases use a DOI, Digital Object Identifier. 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But this is why we get in trouble guys. You know that? I'm all pissed off right now.  I'm like, I would have made money. I would have made money. Oh, this is what we call hindsight. So we came up this term called HURU. H-U-R-U. It means a hindsight guru. Someone that's always all I could have showed that I knew it, I knew it, I knew it. You know, always talks in the past, but that's the sort of thing that gets us in trouble. When we break a rule, you know, because we got rewarded like today, if I had stuck around, you know, trying to cherry pick the top and made money, you know, I wouldn't have made much. Maybe I'll make 25 cents. But the next time I'm going to lose $2. Just like yesterday, you know, that's the same thing. And so when this thing kind of happens, this is how bad habits form. Bad habits form when you're rewarded for bad actions. Sticking around, trying to cherry pick top, trying to get $7 as a top, and then get rewarded for 20 cents, 25 cents, 50 cents, whatever it may be, right? A very hard hole for 50 cents when it's not kind of like that.  You become the Louis Vuitton bag, not the alligator, right? When you're sticking your toe in there. So you have to be careful about being rewarded. So that's the thing we said yesterday, right? So I want to summarize really quickly, okay? The reason I'm walking around, because I know myself. I know that, man, I'm very, very weak. I have very, it's like, trading is like fun for me. But at the same time, I shouldn't treat it like entertainment. And so my thing is, I'm usually not going to wood always up by 10 o'clock. By 10 am, I'm up. Today I was up like 4 grand by 10 am.   So if I start my process, I'd be happy with $3,000, $4,000 a day every day. And that's a great living. That's a fucking, you know, that's life changing kind of money, right? That you can do realistically in a small account. In a $35,000 account, you can make $2,000 a day very consistently. Very, very consistently following this route. But when you make $2,000, you want $3,000. When you make $4,000, you want $10,000.  And this is how either people go broke, which is 90% of the time, or the few that make it, make it to astronomical levels. Now I look back and I'm like, well, I kind of did for a while, make it to astronomical.  And then that's why people will also trade the guys that make a shitload of money.  And that's a power money thing. Because if you take a look at the politicians, these guys have infinite money. Now they're after power. And power's not good enough.     So those are the things. It could be any type of number you want.  And it's still not good enough for you. There's gonna be keep going. So basically, you have to equate it to a lot of things.   Because you need kind of a reward system.   But at least I feel good when I go out and spend it. So now sitting around, these are just numbers on the screen, guys.  Unless you have something to equate it.   I'm just making it up, right? Whatever it may be, equate it. Otherwise, it's a video game that never ends. And that's why I got burnt out back in the day. I got burnt out because there was a video game that never ended. Just when you thought you killed the final boss, there are like 25 more bosses that come along. And those are not even the final boss, but those are just like the mid-man boss, right? So with that in mind, guys, this is how you grow as a trader, as a human being as well.  I'm telling you right now, it's very hard. How many motherfuckers make it on their own? It's rare. The only reason I made it on my own is because, you know what? I have a lot of money back in the day to keep funding my account. Most people do not privilege enough to keep funding their account $70,000, you know? Some people let them go broke out to $10,000 and never have the opportunity.  And so I was very fortunate and blessed at that same time.   I was maybe 27 years old, you know? Making a lot of money.com as a developer, bought a house, took equity out. Take it back.  But when I was young, I was able to take the risk. And so those risks translated out. But you know what? Not everybody has that opportunity. So we're sitting here with multiple generations of mentors, myself, now Alex and Tosh, those guys are like 24 year old kids. Now how old are you, Alex at 24? And so we've run the full spectrum of life. So the older people, I guess I'm older now can relate to me because I've gone through this stuff. They can't be a gunslinger like Alex. So Alex is now used to be like me back in the day where you have no obligations, no bills, just fending for himself. So what if he loses $50,000? So what?   So those are the things that you keep in mind. A lot of these guys, if you're chasing just empty money, you have to understand that there's a group of people out there that would be loving to be in your position where they make $500 every day comfortably, not even in their job and trading wherever it may be. Right guys?  Complaining, complaining about making $4,000. And pissed off because I saw CAPR tank 50 cents without me. It's just like, dude, it's good and it's bad, as you can tell, I'm very fucking, you know, I'm very excited about trading and shit, but it sets a bad tone. As a mentor of the chat room, I don't want people to be like myself sometimes. And so we have a great group of guys like Alex is on the opposite spectrum.  He's fucking, he nailed it for what? Almost 10 grand a day. A stock that I was, see, this is the thing that's funny. C-R-E-X is a low hanging fruit, but it was a five cent locate.  So I passed it. Whereas Alex said, you know what man? We're sticking to our process.  I made a few grand on C-P-R, but you know what man?  I just happened to be a skilled trader who made money. But when I'm looking back, I'm like, what am I doing? It's like, I avoided the easy setup which we teach the low hanging fruit on C-R-E-X because that was cheap over five cents. He paid, Alex paid four, 8,000 shares, $400.  Seven grand, wherever we made, right? And so like in hindsight, yeah, it's worth it. It's worth it because what? We have to follow what has made us successful guys. Low hanging fruit, the easy setup. The hot chick of the day always, always gets my attention because I am at the point where, you know, this is more for fun than income.  So what does that lead me to? That lead me to telling you guys this, I posted a lot of things yesterday and it's all, everything revolves around gambling guys.  If you treat day trading as an entertainment, as a hobby, as gambling, you will lose. You will lose. Alex does not treat it like that.   You could do whatever you want, but trading should not be entertainment. Trading is like blood sport, guys. You know what blood sport is? Like MMA, back before MMA, no rules hard, no rules barred, right? So like blood sport with that John and Claude Van Dam where people fighting for their lives and that's what it is. Trading is fighting for your lives.    Even though you think you're not, the fact that you're here looking at me means you still have a wifi connection. You have food to eat, you have water to drink. So, you know, so treat it like that. If you really want to be successful at trading, guys, treat it not like entertainment. Treat it like, dude, this is blood sport.  If you want entertainment, do something else. And so I'm trying to grasp that as well, whereas Alex is helping me show that, you know, look at that, man, he trades a fifth of my time and he makes double because I treat it like entertainment sometimes. And so this is, you know, when I see these things about myself, I speak up.  Everybody has flaws, but my point is, look at the extreme side, okay? The extreme side is I think I'm okay trader.  Now it's more like entertainment, which is the problem.   And so guys, trade, I don't know what the successful formula is. It's a balance in the end between how much aggression or risk you put and how much discipline you have. But in the beginning, when you are limited capital, when you're learning, you must learn to be disciplined, to be consistent because you do not have nine lives to lose. Some of you don't even have one life to lose. So keep that in mind guys.   And you, when we teach you all the tools, everybody knows the tools once they learn. It's up to you to fully execute and follow the discipline. Okay, so I'm gonna bring Alex on. I think I rambled enough. I just wanted to tell you guys, you know, this is not gambling, this is not entertainment.   Do not do that guys. Most of you are not in the position to do that. I think I try to do, I try to get you on, Alex, for some reason it's not working.  With that said, what's your PR guys?  I just need to know. Yeah, okay, go live. It says Alex is unable to join. What's going on?  It says Alex is unable to come on. Go live with Alex. Alex is unable to join. So weird, dude. Okay, go live. Okay. Oh man, I feel so good with this haircut. Hey, is it working? Is it working? It's working, brother. I must have been in like a bad Wi-Fi while I was walking. What's up, man? Oh, I feel good, man.  I like the illegal haircut, man. Bro. I've never seen a barber have so much jewelry than Bowser's barber. This guy's wearing a golden Rolex, three gold rings, an iced-out chain. The guy's making a shitload of money giving haircuts. Dude, we had to book three people.  It's like private party, pit and frit. I love it, man, I love it. So let me kind of talk about a couple of things that you mentioned. Number one is, yeah, man.  The reason why I treat it like that as well is because I know what it's like from early stages of my trading career to give back those gains. I know what it's like to make $5,000 and give away 3,000 of it screwing around.  And you say the same thing all the time. You're like, bro, if I just didn't screw around, I would have an extra $2,000 a day. If I had an extra $2,000 a day, I would have an extra half a million dollars a year. So hearing that is the reason why I don't screw around. It's because I know that if we just walk away, we're gonna end up making more money on the year because we're following the rules. Yup, just look, the numbers don't lie, dude. The numbers do not lie. People always laugh about us making consistent three, four, $5,000 a day.  Working one hour and you making half a million, two million dollars a year, up at one hour and very low risk. Oh, exactly, it's like what we spoke about. So what I talk about now, because people don't understand, is what my account size is at. Everyone always says you need a million dollar account, a six figure account to make this type of money. But what I do is I use a $35,000 account and every time I get to $50,000, I wire out 15. I started this week at 35,000. I got to 51,000 on Wednesday, wired out the money today and tomorrow I'll be back to 35. So it just goes to show that I'm still repeating the same fact, because like Bao said, if you are not relating it to the real world, if you are not at least trying to attach it to something, you turn into these people that are desensitized from it.   And I'm making fucking.  Exactly, man. I love the fact that you're spending on yourself.  Yeah.  Let me talk about that as well. So I actually, in the morning, in the morning, me, Bao and Tosh, like we share our plans in the morning as tabs. We tell each other what we're looking for. And I was telling Bao that, you know, I'm interested in sorting this stuff. Oh, by the way, these plans are all in your watch list.  Correct, correct. I post the watch list and then we review it all together to make sure that everything is symmetrical and cohesive.  But if one of us is kind of off, it makes us double-think it and look back at it too. So today on CE, on the stock, it was pushing up pre-market towards 470. And I thought to myself, shit, if this breaks $5, it's probably gonna keep going higher. But what ended up happening is, during pre-market, it started to walk down and it went red. When the stock goes red, that triggers something in the mind of longs to start taking profits, right? So that's kind of the first signal that I saw that made me interested in stock. The next thing was it broke through yesterday's support. So now at this point, it is red, people don't care about it, and we have a new stock, CAPR, that is running. So that is taking attention away from the stock that I'm watching. So all of these little things are fitting together that's telling me, all right, while people are watching CAPR, while some people like Bowel don't wanna pay for the locate, that's to my advantage, because there's gonna be less eyeballs, less attention. So if it pops, I'm gonna take advantage of it. And that's basically what I did. I avoided CAPR, like the plague. I purposely did not locate it so that I was not tempted.   It's a waste of money. You pay that at a club, but in trading $400 like that, it goes away. So that's also something that we have to keep in mind as well. But look at all the strategies that you overlap.  So when volume dies, these stocks start to trickle off. Yep. If you look at CAPR, I think when I left the office, it was at like 70 million volume on 11 million share floats, which means that a rotated float seven times in approximately two or three hours. Meanwhile, all of these other stocks are broken. They're red, they're tanking, they're this, they're that. So for us, bro, we're looking for the trades that make us the most amount of money with the least amount of stress, and that is always the low hanging fruit, never the day one place.  And I forgot to talk about the ABCD pattern, and after I talk about that, we can continue. Because this is the main thing.      Oh, that's high side. So the only way that people go, oh, they educate you on Guruism, high side Guru, okay? So I can look back at a play, and go there's A, here's B, but how do you calculate that? So with MIC actually, I don't wanna talk about MIC, but fuck, we don't talk about ABCD. What we do is we tell you the exact line that A is on. Then we tell you the exact line that B is on.  Exactly, exactly. We pre-plan everything, right? So if you look at this morning's watch list, every single trade is planned, the lines are planned, everything is planned, all you have to do is make sure that your plans are similar, or compare your plans, make your watch list in the morning, compare the plan, DM me if you have questions and we work through it together. That's what we do. We always pre-plan everything so that we're never a deer in headlights no matter what happens. Everything is there, we just react.  And sure enough, when that broke, that $6.20, it went ballistic to $7.20. How do we know that? I'm gonna give you the secret. The secret is because of the lines. I was actually channel trading over and over the $6.20 line to the $5.80 line. And so there was a pattern that naturally comes out. And people don't understand it. They go, oh, ABCD? No, dude, it's all in the line. The resistance line was at $6.20.  So there's your A and your B. And the C is the break of the resistance. And so, and it coincided with what?  That's the rule that saves us millions of dollars, man. It took us six figures, seven figures to learn this rule. That was the secret piece that we were missing this entire time that you mentioned yesterday as well. It's about knowing when to stand up and walk away.  So when I make my money, I am petrified and give it back. That's why I walk away. Yup, and it also saves you mental capital.  This is probably the truth, okay? Because I made money on CRX in the morning. I dipped my toe back and gained half of the gains back, right? Right at zombie hour. Now, my mental capital is not recovered.  Yeah, you're pissed. And I'm pissed, I'm scared. So I decided today not to go back to the bully that beat me, whereas Alex didn't get beat up yesterday.   And mental capital is what keeps you going in day trading, guys. You can have the best system in the world, but if you're not confident about that, you will never execute or you will be petrified. And so what I did today for my own sake is to avoid that bully that beat me.  And so by doing that, I made money on different stock. And now my mental capital has been regained. I now trust my system. I can go back tomorrow, not being scared anymore. Yeah, that's it, man. That's why I say to everyone, it's like the reason why I do nail and bail, the reason why I walk away, the reason why I'm so scared and stay so loyal to the zombie rule is because I know that if I am not stressed on Monday, I'm not gonna be stressed on Tuesday. If I'm stressed on Tuesday, it's gonna pour into Wednesday. So the less stress I have, actually yields to more money because I'm more focused and more in the zone. Today, I didn't attack cap R. I didn't even locate it. Tomorrow, you better believe that I'm gonna be all over it with a clear head because I'm not trading on emotion with it today.  So same thing with me. I left, thank God, I left because I actually lied. It went to 720 where it made me. You did a great job walking away, bro. Great job. All I'm losing is FOMO, you know? So what if I, what's a few hundred bucks or $1,000? Exactly, bro, exactly. But if I lost it, they may cripple me for the next day. Exactly. And I hear this a lot from brokers, right? They see great traders, okay? Great traders making money consistently until they take a bad beat. One bad trade kind of broke their account. But more importantly, it's not the money. It's the broke their mind, the broke their confidence. And they were never able to regain. And that's the mental capital like we keep talking about. Because confidence, same thing with NBA players, same thing with major league baseball. They have psychiatrists that treat when you go through slumps. Even the biggest guys like Michael Jordan had a slump that he had to go through. You know what I'm saying? Everybody had this. We all go through it, man. You go through it, I go through it. We all go through it, man. I was going through it before my Tesla trade. I remember a couple of months back, I was doubting everything. That's right, that's right. It's the same thing, man. It's the same thing.   The key is to have a community around you that has been through it before, that understands your struggles, that can help pick you back up again. Yup, yup, and I'm telling you, man, some people do not recover. And that's why we stress all the time about these rules.  Because some people, when you recover mentally, confidence is gone.  And so, all right, man, with that said, we talk about the Tosh, so every Wednesday, guys, this is new. So before we started Wednesday as a new member orientation with Tosh, but then we started opening it up to all you guys. So all you guys can now attend for free, where Tosh will take you through the ins and outs of MIC and actually shows you one of the chat rooms that we were live trading. So we've been live trading the past two times. And I made money last week, Zoom was huge the week before. Yeah, yeah. So yeah, let me kind of give a little bit more on it. So every Wednesday at 2 p.m. market time, we post the new member webinar, the look inside MIC, whatever you wanna call it, at 2 p.m. on our YouTube channel, youtube.com slash myinvestingclub. This is basically your eyes and ears into a day in the life of MIC. Tosh walks you through the website, he walks you through the platform, walks you through some of our trades, walks you through everything, all the perks, benefits, and features. And then at the end of it, we open it up to a Q and A, open to everyone. So this is again, every Wednesday at 2 p.m. Al's gonna be there, I'm gonna be there, Tosh is gonna be there, Joe's gonna be there. So if you have any questions, join that webinar on Wednesday, 3 at 2. And that's it, man, that's it. If you stay, you know, we usually get some sort of surprise bonuses or specials as well, you know? So maybe you'll get a free teacher or something, I don't know, we haven't talked about it yet. Correct, what we do is for the people that stay till the very end, the people that put in the work and watch, we give you guys a special code, which you can then text Tosh, and we'll give you kind of like a specialized bonus or something. Well, we'll kind of work with you to see what you're kind of lacking in your trade and how we could kind of help you guys. Yep, that's good, man. And oh, one more thing, you wanna tease about that DVD is coming up or we call it accelerated, you wanna talk about it? Yeah, so. Or we wait till Tosh's seminar, let's wait till Tosh's webinar. Yeah, we can talk about it at Tosh's seminar, but basically long story short is expect a release hopefully by the end of next week. That's all we can say for now. That's like an early, that's good. Hopefully, hopefully. Yeah, we've been beta testing this with how many people now? It's been working very well. It's been, we've been beta testing it for about a month, a month and a half. So what we do is we like to give early access to the accelerated course to lifetime members to get their feedback to see if it's all cohesive. They've had some really good ideas, really good edits. So we've been kind of working right now to edit it and fix it to be kind of ready for mass release. Awesome, guys. So we'll see you at 2 p.m. market time. It's gonna be on Zoom, on Tosh's Twitter. I will post that as well. And on YouTube. And on our YouTube channel. Free to subscribe, mine, that's the clip on the YouTube channel. All right, guys, thanks, guys. Thanks.